Life and Homes Central New York

Central NY

Life and

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October

2010

Your Inside

Guide to CNY Homes

Bold & Beautiful Fall Trends

Versatile Living Spaces Complete Real Estate Listing Directory @ LifeandHomes.com

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Homes

Low interest rates are being credited for luring potential buyers into the housing market. Unprecedented tax incentives and affordable housing seem to be contributing as well. Whether you’re shopping for your first home or are a veteran home buyer, it’s important to go into the game equipped and informed. Start with the basics:

Oneida County NY, Edition

Published By LISI MERCHANT SOLUTIONS, INC.

* Aim to get yourself into the best possible financial position before you begin your home search. If you are looking for a step-by-step process, I highly recommend Dave Ramsey’s book, The Total Money Makeover.

Publication Franchisee, RMC David P. L isi Corporate Editor Kim L isi

* Make it your job to learn about the local market. Understanding pricing, location, school districts, and zoning regulations aide in making an informed decision when it’s time to buy. Now’s a great time to investigate alternative buying options such as foreclosure and short sale properties. Keep it real, though. Foreclosures and short sales require extra time and expertise. Know when to seek professional assistance. * Ask friends, family and neighbors to recommend real estate professionals they have worked with. Do your due diligence and select a qualified professional who knows the market and is willing to listen to your wishes and concerns. You’ll be working closely with them in the coming months, so finding an agent you can relate to personally is key.

Kim@dslisi.com

How to Reach Us Press Releases or Letters to the Editor Our e-mail address is Kim@LifeandHomes.com

David P. Lisi , RMC

Real Estate Marketing Consultant 315-865-5845 • David@dslisi.com

* Make a list of features and preferences that are non-negotiable, then move on to your wish list - the features you’d like but may be willing to compromise on if the right property comes on the market. Choosing the right home, especially in a buyer’s market, can seem overwhelming. Knowing your “must have” features will help narrow your options and save you time.

At LifeandHomes™ we enjoy working with Realtors®, For Sale By Owners, investors, contractors, developers, business owners and community members to promote community and boost the local economy. We make it our job to connect buyers and sellers, professionals and the public - which in turn benefits LifeandHomes readers and our local area. Look inside and online at www.LifeandHomes.com for great deals on properties and professional services along with relevant, informative editorial.

Welcome to LifeandHomes™ and thank you for your patronage.

i David P. Lis

100% Purchase Money Loans NO Downpayment • NO Monthly PMI Call for Details

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Or send to: LifeandHomes Magazine PO Box 18 Holland Patent, NY 13354

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rob.thrasher@gmail.com

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Advertising Deadline November Issue October 22, 2010

Corporate Office Lisi Merchant Solutions, Inc. PO Box 18 Holland Patent, NY 13354

315-865-5845 Fax 1-315-865-7418 www.LifeandHomes.com

Central New York

For franchise information call, 315-865-5845

Adam Hearty

315-533-7160 Mortgage Originator

L i f e and H o m e s

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315-404-5253 Mortgage Originator

Roger Guerrieri

Financial Services, Inc. Licensed Mortgage Banker • NYS Banking Department

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LifeandHomes is published monthly by Lisi Merchant Solutions, Inc. Every effort has been made to ensure that home listings, advertisements and information are free of errors or omissions.

The publisher does not guarantee the accuracy of the submitted information to Life and Homes Magazine and assumes no liability.

This information has been compiled from public records and other sources we believe to be reliable, but we make no guarantee with respect to its accuracy or completeness or the absence of restrictions on use and are not responsible for any liability, loss, or risk that subscribers may incur, directly or indirectly, from using the contents of this site.

Copyright © 2010 Lisi Merchant Solutions, Inc.

Is Your Home Under-Protected?

Just when you think you’re safe, a recent nationwide survey has uncovered that a majority of American homes are dangerously under-protected when it comes to fire and carbon monoxide (CO) poisoning.

Even those equipped with smoke and CO alarms are at risk according to the study, which revealed that two thirds of U.S. households are not in compliance with the national recommendation for the number of smoke alarms set by the National Fire Protection Association (NFPA). Even more alarming is the 90 percent of homes that do not meet the recommendation for number of carbon monoxide detectors, including 40 percent that report having zero working carbon monoxide detectors.

“These statistics confirm what we’ve feared for years - that far too many homes in this country are not as well protected as they should be against the dangers of fire and CO,” says Deborah Hanson, director of external affairs for First Alert, a leader in residential fire and CO detection devices. “What’s more troubling is that many people don’t realize that their families are at risk.”

For those in need of new smoke and CO alarms, a wide variety of innovative products are available with an assortment of features to meet different needs. First Alert products range from combination smoke and CO units to smoke alarms with escape lights, along with basic battery-powered products. These smoke and CO alarms are available at national retailers or for purchase through the First Alert online store at www.firstalertstore.com. (ARA)

Color: Strong saturated tones such as midnight blue, royal purple and deep chartreuse will join autumn’s traditional power hues of rich reds and burnt sienna. Reds are especially dominant, appearing in every shade from fiery orange-reds to deep merlot. These powerful colors are paired with linear and neutral whites, creams and soft grays to provide a highcontrast punch.

Pattern: Fall pattern trends include micro and macro patterns within a single tile, larger-thanlife designs that incorporate multiple tiles, and optical illusions. Drawing on consumers’ continuing interest in the environment, tile makers are presenting entire collections inspired by nature. You can find tiles that mimic the texture of sand dunes, waves, tree bark and even rain.

Texture: Texture lends nuances of shade and tone through the play of light and shadow.

Ceramic tiles have always been a good medium for textures. Digital technology has made it easy for tile makers to apply texture to a ceramic surface. New possibilities have emerged, such as tiles that mimic the look of antique distressed wood and bush-hammered or chiseled stone. (ARA)

Before You Flip That Switch When the temperatures plummet, you shut the windows, flip the air switch to heat and plug any leak you can find in an effort to keep your house warm. But what you’re also doing is sealing the air inside your house.

NADCA has published an internationally recognized standard that specifies requirements for proper cleaning. For more information about HVAC cleaning and to find a certified and knowledgeable contractor, visit www.NADCA.com. (ARA)

Win A Home “Cleanover” You can win a “makeover” for your home by entering the ProMist™ Home CleanOver Contest. Cleaning expert and noted “Oprah” contributor Peter Walsh will visit the grandprize winner to clean and reorganize his or her home. Three monthly winners will get a mini Home CleanOver with a ProMist™ Cleaning Team. From now through January 31, 2011, you may enter by visiting www. homecleanover.com to upload your video and explain why you or someone you know needs a Home CleanOver. (NAPSI)

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While a good tight seal is very important to staying warm and keeping your energy bill in check, it also can really have an impact on indoor air quality.

Heating, ventilation and air conditioning (HVAC) systems can act as a collection source for a variety of contaminants that have the potential to affect health, such as mold, fungi, bacteria and very small particles of dust. The removal of such contaminants from your HVAC system is crucial to improve indoor air quality.

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Home renovation and building go on yearround, but as with any design statement, each season brings new looks and trends. This autumn’s ceramic tile trends share a flair for

boldness and innovation. The ceramic tile experts at Tile of Spain point to the hot trends to watch this fall:

“When you flip that switch on your heater, there is a lot of dust and debris - collected in the coils over the summer months - that either burns into fumes or gushes into the house through your vents,” says Aaron Marshbanks, board member of the National Air Duct Cleaners Association (NADCA).

October

Fall Tile Trends Go Bold & Beautiful

newsShorts

Protect Your Vehicle &

Travel Safely This Winter

your coolant system before winter is very important. Checking the level and concentration of anti-freeze in your vehicle could save you costly engine repair and should be done twice every year. Choose an extended life coolant for ultimate protection, which can be used in nearly any year, make or model vehicle worldwide.

As cooler temperatures arrive, so does the opportunity to prepare your vehicles for winter driving conditions. Although you may not want to think the warm weather is behind you, taking time now to prepare and protect vehicles can save significant time, money and hassle later. A few tips for vehicle winterization and safe travels this season:

Travel prepared: In case something does happen to your vehicle this winter and you’re stranded for an extended period of time, it’s important to keep a few essential items on board. Assemble an emergency kit containing a blanket, gloves, ice scraper, flares, flashlight, jumper cables and basic first aid items. Make sure to also carry a cell phone when you travel, particularly if bad weather is expected. (ARA)

Simple steps to prepare your vehicle for changing weather conditions

Clear vision: Having full view of what’s ahead and behind your vehicle at all times is vital, so be sure to check your windshield wiper blades and washer fluid before winter precipitation hits. For colder climates where you may experience ice or frost, you may want to keep a bottle of de-icing windshield spray handy. Simply spray your icy windshield with the fluid, turn on your vehicle defroster and your windows will clear quickly and easily.

Central New York

Auto armor: Did you know that within 30 days, a small scratch or nick in a vehicle’s paint finish can rust? Add some freezing temperatures and a small problem can quickly escalate to a larger, more expensive one. Luckily, fixing scratches is quick, easy and affordable, thanks to products such as Dupli-Color’s Scratch Fix 2in1 touch-up paint.

Available in thousands of colors to perfectly match your vehicle’s paint, and featuring a patented applicator for precision and control, anyone can achieve professional looking results that will repair and protect your vehicle’s appearance … and help you avoid an ugly problem next spring.

L i f e and H o m e s

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Tired out: One of the most important aspects of winterization is ensuring you have a safe grip on the road. Like the soles of shoes that prevent you from slipping, quality tires help keep your vehicle securely on the road, especially in slippery rain or snow conditions. Checking tire tread and pressure is important to ensure you have optimal traction. If you live in a particularly snow-prone or rural area, you might also consider buying snow tires and/or chains.

Engine protection: Extreme temperatures can cause major issues in a vehicle’s engine, so testing 4

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We br i n g p e o p l e a n d h o m e s t o g e t h e r .

With a few simple steps, you can feel safe and secure for the cooler temperatures ahead. For more information on Dupli-Color products, visit www.duplicolor.com.

“Check Out”

The Kitchen When Shopping For A New Home Although buying a home is the largest investment most people will ever make, the decision doesn’t have to be as daunting as it may seem to many.

There are some simple guidelines that can help you find a home you will be happy with for a very long time. A recent study conducted by Merillat, a leading manufacturer of cabinetry, found that the kitchen is the most influential room when deciding to buy a home, followed by the great room and then the master bedroom.

The kitchen deserves special attention when shopping for a new home and has many aspects not always visible with a quick glance. Follow these two simple guidelines and you’ll be better able to decide if the kitchen is right for you.

Keep A Checklist Ask yourself: • Do I like the layout of the kitchen?

(Keep in mind all the items that will require storage.)

• Does the kitchen feel comfortable when I’m in it?

• Does the kitchen help facilitate interactions with family and friends? (Do the spaces enable you to easily associate with family and friends?) • Is the cabinetry durable and well built? • Does the kitchen have visual impact or a good focal point such as an island, cooking grotto or other unique feature?

(Identify the tasks or storage functions of the island to ensure it will meet your needs.) • Does the kitchen have adequate storage space and built-in features?

(The study found the biggest regret homeowners have after a kitchen remodel is that they didn’t include enough storage features.)

Test-Drive The Kitchen • Open and close the drawers several times to be sure they roll in and out smoothly and quietly.• Open the wall and base cabinets, because you may discover unique storage solutions. • Role-play the necessary steps involved to see if the space is laid out as efficiently as possible. • Examine the thickness of the wood on the drawer fronts and sides, as well as the cabinet doors. • See if the hinges are adjustable to make for a correctly aligned cabinet door. • Check to see that the color of the interior complements the exterior.

Most importantly, when shopping for a new home, take your time and analyze all aspects of the home to ensure it is perfect for you and your family. To learn about kitchen design and storage features, visit Merillat, a leading manufacturer of cabinetry, at www.Merillat.com. (NAPSI)

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Richard Parent Licensed Sales Associate

PRIME PROPERTIES

4957 Commercial Drive Yorkville, NY 13495

315.768.1680 x 203 homes@richardparent.com

FREE Daily Customized Home Searches - Right to Your Inbox!

• Be the first to know!

• Hot new listings & price updates!

Constableville

• Tailored to meet your exact needs!

Contact me or visit my website for Exciting Details!

Barneveld

$264,900 Sauquoit

Russia

$112,500 New Hartford

Unique residential property on 9.6 acres plus 2 family home! Main house offers 2,846 sq/ft, beautiful open kitchen, formal dining, key updates.

Fantastic village setting! 1,820 Sq/Ft 3 BR ranch in move in condition, large open kitchen, finished lower level, studio & work shop, 16 X 32 pool.

$250,000 Bridgewater

Approx 35 Acres with incredible hillside views! 2,152 sq/ft farmhouse, riding trails, horse paddocks, outbuildings, 3 barns, additional acreage available.

$89,900 Clark Mills

Looking for key updates?.....stop here! gorgeous kitchen, sun room, new floors, formal dining, private yard, pride of ownership, stunning gardens.

$249,900 Russia

Horse & snowmobile riders’ alert! 56 gorgeous acres & hilltop views, 10 stall horse barn, fenced riding areas, 4,200 sq/ft newly constructed home.

$269,900 Russia

$269,900

$199,000 Waterville

$149,900 West Winfield

$139,900

Classic 3 BR federal style home set on park like 3.8 acres! Open kitchen, loft, sunroom, cherry hardwoods, original features, barn/garage, work shop.

$89,900 Norway

Stunning new 1,604 sq/ft ranch! High end upgrades, central air, nice setting, $354 lot rent, mint, Clinton schools.

$598,000 Columbia

260 acres of seclusion! Meticulously expanded 3,600 sq/ft farm house & barn, great rooms, incredible kitchen, ponds, trails, dog kennel & more.

Fantastic 4 BR colonial and horse or alpaca farm on 18 acres, spacious living room, 6 stall horse barn, tack room, paddocks, landscaping & gardens.

Newer built mint ranch! Oak kitchen, efficient heating, garage, work shop, convenient 1 acre rural setting!

$89,900 East Utica

Spectacular view on 30 acres! “As Is” ranch, large 2 level 275’ dairy barn, great property to enjoy all seasons & recreation activities, near Adirondacks.

Astonishing 2,516 sq/ft colonial offers surprises throughout, lavish gardens, in ground pool, post card setting!

Enjoy morning tea in exquisite 4 season sunroom, antique wainscoting, private bedroom balconies, quality kitchen, Spanish tile & beautiful hardwoods.

$87,000 Rome

Strong curb appeal in this large E. Utica 2 family home, let your rent pay your mortgage! Separate utilities, units offers 3 Br’s, formal dining, near park.

$85,000

Strong curb appeal in this adorable ranch!

Updated windows, floors, furnace, siding, roof, Spacious kitchen, open floor plan, private yard, close to park.

Commercial Properties

Herkimer

$79,900 East Utica

Tastefully updated 2 story, gorgeous new maple kitchen & stunning bath, formal dining, new windows, updated electric & lighting, convenient area.

$50,000 Little Falls

Looking for East Utica 3 family in good shape? 1st floor pristine apt. offers 3 BR’s, others apts 1 or 2 BR’s, sep. utilities, laundry, additional lots available.

$32,000

Just some TLC needed to finish this one up and to claim this adorable village home!

Strong investment or home ownership opportunity.

25 Acre Premier Lot 7 City Lots 6 Acre Parcels 2 Acre Lots 19 Acre Lot 6.7 Acres 2 Acre Lot

Eagle Bay

$350,000 Rome

$179,900 Rome

$450,000

Building offers many commercial uses, open interior to suit needs, 3,200 sq/ ft main level & office, large lot, room to expand, plenty of parking.

Residential & commercial property, 4 BR home, Restaurant & Bar, 4 room motel, guest cottages, bar, dining & game room, excellent income potential.

Outstanding location offers high traffic & visibility for this 2 pump gas station, room for expansion, well known busy tri corner, solid investment.

$54,900

3,600 sq/ft machine shop shows commercial and residential potential, 2nd floor apartment, close to Erie Blvd & Rt. 365, overhead doors, convenient.

www.RichardParentHomes.com • Office: 315-768-1680 x 203

www.Life and Homes .com

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Timian Road, Sauquoit South Street, East Utica Bray Road, Sauquoit Coombs Road, Barneveld Fiery Hill Road, Little Falls Furman Mills Rd, Brookfield Hulser Road, Deerfield

$649,900 Thendara

Approx. 40 acre residential 49 home subdivision of partially wooded lots, existing road & homes, home sites offer public water & Rome tax incentives.

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• $75,000 • $65,000 • $38,000 • $35,000 • $34,900 • $19,900 • $19,900

$699,000 Rome

Prime commercial property located adjacent to Lowe’s Home Improvement, high traffic area, corner location with strong visibility, many possibilities.

October

Other Investment/Land Opportunities

Rome

newsShorts

Should I Use a Realtor If I Am in Foreclosure?

When a property owner is trying to avoid foreclosure, there are many options available. Some of them may work and others may just be a waste of time in a given situation. The person facing foreclosure needs to look at the circumstances and the availability of various options. One option that makes a lot of sense is to list the home with a realtor.

There are few things to realize when listing a home in foreclosure with a realtor. The amount of time available to list and market the house is crucial to making it work. If the house is in foreclosure and going to auction in a week, listing with a realtor may not be a hopeful option. But if the foreclosure process has just begun, listing with a realtor may be the way to go.

The first step to take is to call the lender and communicate your intentions. Contrary to popular belief, most lenders do not actually want to foreclose on a home. It is costly and time-consuming. Because of this, if the borrower is willing to work with the lender and keep the lines of communication open, a lender will generally work the borrower.

Central New York

Ask for a mortgage forbearance and list the house with a competent realtor as soon as you decide this is what you want to do. A forbearance means that the lender is giving a short time to bring the mortgage current before proceeding with the foreclosure. Usually the time period will be around 60 days, but some lenders will give more or less time.

Listing with a realtor is best for someone with a small amount of equity in the home. In fact, the more equity there is in the home, the more likely that an offer will be made on the home that is sufficient enough to accept. An ideal situation would entail enough equity to cover the amount of any liens against the property and closing costs.

Be sure to ask the realtor for an adjusted DOM for the home that is in foreclosure. An adjusted DOM will give you an idea of how long it will take to the sell the home and at what price it should be listed given the unique qualities the home has.

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We br i n g p e o p l e a n d h o m e s t o g e t h e r .

To get started, look for a realtor who has experience in the business and who has a good track record for selling homes without the listed properties spending too many days on the market.

Most realtors will charge a commission fee of about six percent. Nevertheless, the benefits definitely outweigh the expense here. Get the best realtor available who is willing to work with you. It is better to sell the home than to end up with nothing...

Source: http://www.bestmanagementarticles.com Author Ameen Kamadia helps Texas homeowners face the difficulties of foreclosure.

That’s why he has created an informational site that lists all the options homeowners have. Get an unbiased, educated opinion about How To Stop Foreclosure at http://www.foreclosure-stoppers.net

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Realtors have many tools at their fingertips and a good realtor can give a property owner a realistic idea of how feasible it is to sell the home before it is foreclosed upon. A realtor will have access to the average number of days on the market (DOM) it takes for a home to sell in a particular neighborhood.

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L i f e and H o m e s

For example, if most homes similar to your property are being sold in 45 days at the price of $120,000, then that gives a starting point for what the house should be listed at and how long it will take to sell. Adjusting for differences in the property is crucial because a major problem or major renovations can affect these calculations.

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Open Market Listing Service™ Agusta

LifeandHomes.com Camden

$199,000

$145,900

2063 Route 26

1093 Hillsboro Road

7 Bedrooms / 5.0 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41516

For more details visit www.LifeandHomes.com Type in Quick Search #42113

Amy La Clair • 315-790-4153

Ryan Kirch • 315-768-1680

New Nest Realty

Coldwell Banker Prime Properties

Lic. R. E. Broker • info@newnestrealty.com

Lic. R.E Agent • RyanKirch@cbpp.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Annsville

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Camden

$295,000

$199,900

4097 Wilson Road East

2500 State Route 69

4 Bedrooms / 2.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41882

For more details visit www.LifeandHomes.com Type in Quick Search #41883

Coldwell Banker Prime Properties

Coldwell Banker Prime Properties

Ryan Kirch • 315-768-1680

Ryan Kirch • 315-768-1680

Lic. R.E Agent • RyanKirch@cbpp.com

Lic. R.E Agent • RyanKirch@cbpp.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Ava

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Camden

$5,000

$269,900

9551 Mullen Hill Road

12460 Redfield

215 Acres $5,000-$25,000 per acre

4 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #32673

For more details visit www.LifeandHomes.com Type in Quick Search #42018

Oneida County - FSBO

Hunt Real Estate ERA

Phyllis Goworek • 315-335-2745

Jenny Chapin • 315-363-5533

FSBO • 0@0.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Realtor • jchapin@huntrealestate.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Ava

$139,900 6769 Stokes-Westernville Road

Camden

3 Bedrooms / 1.0 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41799

For more details visit www.LifeandHomes.com Type in Quick Search #41836

Coldwell Banker Prime Properties

Hunt Real Estate ERA

Kathy White • 315-768-1680

Jenny Chapin • 315-363-5533

Lic. R. E. Broker • kathy.white@coldwellbankerprime.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Ava

$209,900

1400 State Route 69

Realtor • jchapin@huntrealestate.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Canastota

$309,000

$198,900

7280 Lake View Drive

125 Prospect

5 Bedrooms / 2.5 Baths

3 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41858

For more details visit www.LifeandHomes.com Type in Quick Search #41849

Prudential J.R. Carucci Real Estate

Hunt Real Estate ERA

Christine Ossont • 315-733-0463

Penny Wuest • 315-264-8212

Realtor • cossontre@earthlink.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Jan Cidzik

Sue Rosendale

Associate Broker, GRI, CRS Designee Hunt Real Estate ERA

Licensed Mortgage Banker NYS Banking Dept

Secure Home Inspections

4957 Commercial Drive, Yorkville, NY 13495

340 Main Street, Oneida, NY 13421 • 315-363-5533 x 218

Office: (315) 768-1680 Cell: (315) 794-7249

Cell: (315) 374-7451 Email: srosendale@huntrealestate.com

PH: 315 859 1778

Well flow/ septic dye/ water purity testing Complete interior, exterior, and grounds inspection

www.Securehomeinspections.com

Be Sure With Secure

Dominick M Tofolo Jr. Cell: 315 542 4622

www.Life and Homes .com

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L i f e and H o m e s

pRIME pROpERTIES

My success is all because I am committed to you and your needs as a buyer/seller.

I look forward to assisting you in a successful real estate experience.

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Pre-purchase Residential Inspections Helping the perspective home buyer with a quality home inspection 40 years experience in the building industry - 12 years experience inspecting homes in New York State Lic# 16000003057 certified Inspector

• Over 15 Years of Experience • Residential and Commercial Properties • Full Time Real Estate Professional

October

Licensed R.E. Salesperson Coldwell Banker Prime Properties

Lic. R.E Associate Broker • penny@pennywuest.com

Low Mortgage Rates • Homestead Financial 315-768-1980

LifeandHomes.com

Open Market Listing Service™

Cape Vincent

$110,000 27738 Dablon Point Road - 0.81 acres

Clinton

Building Lot

4 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42083

For more details visit www.LifeandHomes.com Type in Quick Search #41705

Allen Walker • 315-771-8189

Barbara Frank • 315-853-4400

Bowes Realty

Lic. R.E Salesperson • Bowes@twcny.rr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clark Mills

$129,900

$69,900

2 Bedrooms / 1.0 Baths For more details visit www.LifeandHomes.com Type in Quick Search #41479

Barbara Owens • 315-853-4400

Barbara Frank • 315-853-4400

Clayton

Clinton Real Estate

Lic. R. E. Broker • info@clintonrealestateny.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

$246,000 Ledgewood Lane - Building Lot

Clinton

4+ Acres

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42084

For more details visit www.LifeandHomes.com Type in Quick Search #41863

Allen Walker • 315-771-8189

Barbara Owens • 315-853-4400

Bowes Realty

Lic. R.E Salesperson • Bowes@twcny.rr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

$199,900

7349 Pryor Road

Clinton Real Estate

Associate Broker • info@barbaraowens.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

$475,000 6/8 Taylor Ave / 41.5 Utica Street

Clinton

Prime Development Area

5 Bedrooms / 3.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41608

For more details visit www.LifeandHomes.com Type in Quick Search #41984

Barbara Frank • 315-853-4400

Barbara Owens • 315-853-4400

Clinton Real Estate

Lic. R. E. Broker • info@clintonrealestateny.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

$729,900

21 Chestnut Street

Clinton Real Estate

Associate Broker • info@barbaraowens.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

$179,900 315 Stafford Circle North

Clinton

3 Bedrooms / 2.0 Baths

5 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41739

For more details visit www.LifeandHomes.com Type in Quick Search #41845

Assist2Sell Seller’s and Buyer’s 1st Choice!

Stephen Bartlett • 315-794-4549

Kathy White • 315-768-1680

Realtor • sbartlett@assist2sell.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Central New York

Clinton

For more details visit www.LifeandHomes.com Type in Quick Search #41986

Licensed Mortgage Banker NYS Banking Dept

Joanne Shedd Assist 2 Sell

For One Low Fee, You Can Enjoy the Professional Services of a REALTOR to Sell Your Home!

Each Office is Independently Owned & Operated

We br i n g p e o p l e a n d h o m e s t o g e t h e r .

$109,900 4933 Westmoreland Road

Coldwell Banker Prime Properties Lic. R. E. Broker • kathy.white@coldwellbankerprime.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Ryan Kirch

Mary Pat Adams, GRI

pRIME pROpERTIES

Buying or Selling?

Call Mary Pat Today!

Licensed R.E. Salesperson Coldwell Banker Prime

Licensed Sales Person

■

Licensed Mortgage Banker NYS Banking Dept

3 Bedrooms / 1.5 Baths

Low Mortgage Rates • Homestead Financial 315-768-1980

L i f e and H o m e s

Lic. R. E. Broker • info@clintonrealestateny.com

Low Mortgage Rates • Homestead Financial 315-768-1980

173 Sanford Ave

Associate Broker • info@barbaraowens.com

8

Clinton Real Estate

4705 Clinton Street

Clinton Real Estate

Sellers & Buyers 1st Choice!

147 Genesee St New Hartford, NY 13413 Office: 315-735-9244 Fax: 315-735-6941 Mobile: 315-790-1997 Email: jshedd@assist2sell.com Web: www.assist2sell.com

$404,250

137 COVENTRY PLACE

4957 Commercial Drive Yorkville, NY13495

Office: 315-768-1680 Cell: 315-264-4198 Email: ryan.kirch@coldwellbankerprime.com

Licensed Associate Broker Hunt Real Estate ERA

340 Main Street Oneida, NY 13421

315-363-5533x218 Cell: 315-761-5484 Email: mpadams@huntrealestate.com

New Hartford $1,600,000

New Hartford $529,000

New Hartford $439,000

Marcy

Masterpiece with over 5,000 square feet of luxury amid 15 acres with dramatic views. Deluxe amenities throughout.

Sophisticated 5 bedroom, 3.5 bath home with distinctive architectural elements, open floor plan, and home theater.

Gorgeous custom built 3 bedrooms, 2.5 bath home. Master bedroom suite, quality kitchen, 3 car garage and much more.

Newly constructed Energy Star home with fabulous floor plan.

Cherry kitchen with granite counter tops. Many fine upgrades.

Meticulous 3300 sq ft home with gorgeous setting on Cedar Lake Golf Course with views of Cedar Lake. Fully remodeled.

Traditional style home with fabulous open floor plan. 4 bedroom home with updated kitchen, large family room and pool!

Rome

Little Falls

Sauquoit

Clinton

Marcy

Whitesboro

$249,900

Meticulous home with soaring ceilings, hardwood floors, fireplace, beautiful landscaping. Adjacent to the Rome Country Club.

$239,000

Historic Brick Federal, built in 1827, featuring 4 bedrooms, 2 full baths, 4 fireplaces. Meticulously and lovingly restored.

$229,000

Updated farmhouse with new kitchen. Detached garage, barn and guesthouse on 7 beautifully landscaped acres with view.

$399,500

$181,000

Historic village home within walking distance of Village Green, shopping and schools. Flexible floorplan, large principal rooms.

Clayville

$329,000

$149,000

Updated farmhouse on 5 beautiful acres featuring four bedrooms, loft, country kitchen, hardwood and plank floors.

Vernon

$329,000

$134,900

Beautifully updated 3 bedroom ranch, new kitchen with granite and new bath. Hardwood floors throughout. Large back yard.

October ■

www.Life and Homes .com

9

L i f e and H o m e s

#1 Coldwell Banker in New York State m

- 4P •2 7 T1

oC

Whitesboro

$169,900

Diana Raymond

Gaetano Belmonte

New Hartford

Oriskany

Central New York

$329,000

Gorgeous home on Cedar Lake Golf Course with views of Cedar Lake. Over 3300 sq.ft. of meticulous living space.

Ext. 207

$265,000

Beautiful kitchen w/upgraded appliances, formal LR & DR, office, 1st flr laundry, 2.5 baths, 4 spacious bdrs. Roof, central air, windows, walls & ceilings new.

Jodie DeCosty Ext. 201

$159,000

3 bedroom ranch with beautiful private yard and mature trees. Great 3 season room, large kitchen.

Gaetano Belmonte

Ext. 202

Blossvale

Ext. 202

$249,900

Fantastic 4 bedroom 2 bath ranch; walkout basement, 2+car attached garage, plus additional detached garage.

Ryan Kirch

Ext. 222

Waterville

$149,900

Newer quality mint 3 BR ranch! Custom oak kitchen, efficient 2 zone heating, huge rear deck, garage & work shop, convenient 1 acre rural setting!

Richard Parent Ext. 203

Whitesboro

$299,000

Reduced! Intoxicating! Newly constructed interior w/designer accents. Granite cherry hardwoods, stainless appliances, steam shower, etc. Call Gloria 868-8686!

Gloria Rocci Ext. 217

McConnelsville

$219,000

Fantastic home on golf course, 3 bedroom, 2.5 baths, 2 family rooms, living room w/gas fireplace, 2 car attached garage, formal gardens.

Ken Armstrong Ext. 240

Westmoreland

$135,000

New price! Reduced 10%. Lovely log home, 4 bedroom, 2 bath, country kitchen, living room, open floor plan.

Conveniently located.

Ken Armstrong Ext. 240

Russia

$269,900

Astonishing 2,516 sq/ft colonial offers surprises throughout, lavish gardens, post card setting!

Richard Parent

Utica

Ext. 203

$189,900

Colonial Square intergenerational community, offering twin and single family homes starting under $200,000. Reduced property taxes. Newest Model opens Oct. 3rd.

Laura Minard Ext. 205

Rome

$145,000

Beautiful kit w/vaulted wood ceiling, 3BRs (lge mstr) 1.5 updated baths, multi level deck overlooks yard and new above ground pool.

Jodie DeCosty Ext. 201

Marcy

New Hartford $229,900 1434 Graffenburg Rd Absolutely a beautiful home in a very private setting. Enjoy the privacy on the 61’ deck across the back. Out side fireplace included.

Kathy White Ext. 215

Frankfort

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

$164,500

Beautiful ranch on 6 acres w/pond, 3 bed/2 bath, attached oversized double stall garage, country setting.

Affordable taxes.

Scott Kelley Ext. 242

Ava

$139,900

This is a beauty. Move in condition on 2 acres, 2 garages. Close to Delta Lake, 3 bedrooms, formal dining, fireplace. Details: www.6769stokeswesternvilleroad.com Kathy White Ext. 215

4957 Commercial Drive Yorkville NY

Call 768.1680 10

$269,000

Buckland Estates custom homes starting at $269,000. Affordable new construction/6000 Eureka Road, W’Moreland, 4BR 2.5 BA home. $224,900 Laura Minard Ext. 205

Featured Home

■

L i f e and H o m e s

Clayville

17 Fairlane - Split level in a great neighborhood. 4 Bedrooms and 2 Full Baths.

Spacious living room with fireplace.

New Hartford

$134,900

Adorable expanded cape, gleaming hardwood floors, fireplace, new deck. 2 full updated baths. All this in a great neighborhood. See this one soon it can’t last.

Jodie DeCosty Ext. 201

Whitestown

$105,900

Updated & Upgraded 2-3 bedroom ranch.

Enlarged Master w/walkin closet. Bath w/ Jacuzzi Tub, infrared Sauna! Call Pat for a list of upgrades, 272-9434.

Pat Townsend Ext. 218

Clark Mills

$79,900

$128,900

New York Mills

$103,900

WONDERFUL BUY! 2 houses for the price of 1on one lot. NY Mills Schools.

Owner occupant-extended family or investor. Call Lorene 894/1235/868-3330 Lorene Prenderville Ext. 213

Utica

$77,500

Yellow brick 1 or 2 family home in S.Utica: near bus line, stores, bank, theatre, hospital and college. 3 bedrooms, 2.5 baths.

Lorene Prenderville Ext. 213

Clinton

$109,900

Awesome 4 or 5 bedroom 2 new baths, new main floor laundry. Tons of updates Call Kathy 723-7741 Kathy White

New Hartford

Ext. 215

$90,000

Convenient location! This 3 bedroom ranch features a full basement, central air, hardwood floors & 1.5 baths, plus a overhead garage.

Lisa Filletti Ext. 206

South Utica

$74,500

New Listing. Opportunity knocks! Spacious 3 bedroom, 1 bath home. Large fenced in yard, 2 stall detached garage, sunroom.

Call Gloria 868-8686.

Gloria Rocci

Ext. 217

Westmoreland

$107,000

Renovated top to bottom, move in ready - 4 bedrooms, 1 bath, bonus room in basement, open kitchen, great new price.

Ken Armstrong Ext. 240

Lee

$175,000

3BR, 2BA home w/many updates & improvements; includes new hardwoods & laminate flooring, updated baths, new dishwasher, range, disposal, new walkway, & new shed.

Jan Cidzik

Utica

Ext. 209

$49,900

Lots of character throughout, could easily be converted to a single family.

Motivated seller - separate utilities… lots of updates. Show this one!

Gloria Rocci Ext. 217

Clinton

$109,900

Move right into this Clinton charmer!

Character throughout, LR, DR, country kitchen, 1st fl laundry, newer bathroom, 3 bdr, sun & side porch. Call for updates.

Jodie DeCosty Ext. 201

Utica

$85,000

South Utica 3 bedroom bungalow; living room, formal dining room, kitchen, new bath plus more.

Lisa Filletti

Clinton

Ext. 206

$44,900

Meticulous…move in condition in Applewood. All appliances included plus shed. $385 lot rent.

Gloria Rocci

Ext. 217

October

Stunning new (2008) 1,604 sq/ft ranch!

High end upgrades include roof pitch, appliances, insulated skirting, central air, composite decking, plus more!

Richard Parent Ext. 203

New Hartford

Charming L-shaped updated ranch beautiful deep yard / decks / picture windows overlooking Twin Ponds Golf Course. Phone # 894-1235/868-3330 Lorene Prenderville Ext. 213

■

www.ColdwellBankerPrime.com

www.Life and Homes .com

11

L i f e and H o m e s

The Area’s Premiere Real Estate Search Engine!

#1 Selling Company in the Mohawk Valley 2306 Genesee Street, Utica, New York

315-527-1252

Visit www.CentralNewYork.com/Linda for the best local searches!

FAITH PROPERTIES

110% Committed

to Serving Your Real Estate Needs!

“Linda is amazing! She made this time that people say is extremely stressful, easy for us!”

- Chris & Darlene

Marcy

$174,900

Popular neighborhood in Marcy, with easy access everywhere. One owner 3 bedroom 2bath ranch.

Deck, 2 stall garage with pull down attic.

Call, Email, or Text Anytime!

West Canada Schools

$219,900

Bridgewater

$149,900

$364,900

Deerfield

$124,900

Reduced!! Seller says sell. Private & quiet on 5 acres.

4 1/2 Yr old ranch. Well designed floor plan. Mstr bath, walk-in closets in each bdrm.

Linda Peters

Wow!! Newly remodeled. Stunning hobby or horse farm. Country getaway. 18+ Acres. Small barn with 3 stalls. Pastures, pond.

es CR

Associate Broker Cell: 315-527-1252 Email: LindaP1000@hotmail.com

oN NT

-

A 5.9

CLI

Newport

$239,900

Meticulous colonial on acre lot surrounded by countryside across from West Canada Creek.

1/4 mi. from public fishing access.

Clinton

Lots of potential!! Unique opportunity awaits.

Income producing property. Fam owned for 2 centuries. Updated for today’s lifestyle.

Great space in this 2 story home in Whitesboro School district. 5 bdrm 2 bth energy efficient home. $222/mo utility cost.

Columbus Day Sale Queen Pillowtop Mattress

Twin Mattress Starting at

Starting at

$199

$59

Sets Only $119

Central New York

Sets Only $299

was $1099

Now $599

Sets Only $119 Compared to Simmons World Class Queen Mattress @ $1599

FREE

4670 Commercial Dr. New Hartford, NY 13413 (315) 768-9000 • Across From K-Mart

■

L i f e and H o m e s

Premium Pocketed Coil Queen Mattress Set

1239 Erie Blvd., West Rome, NY 13440 (315) 336-2500 • Across From Lowe’s * FREE Removal of Old Bedding With Purchase of $344 or More

Premium Set of Sheets (600 Thread Count) Valued up to

Offer Valid Through Oct. 31, 2010

$99

On sets of $499 & up.

Excluding prior sales.

Cannot be used in conjunction with any other offers or discounts.

FREE Delivery • FREE Removal • FREE Setup

12

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

Open Market Listing Service™ Clinton

LifeandHomes.com Deerfield

$179,900

$165,000

49 Utica Street

5721 Smith Hill Rd.

3 Bedrooms / 2.0 Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42120

For more details visit www.LifeandHomes.com Type in Quick Search #41949

Gokey Real Estate

Dominion Homes

Anthony Zimecki • 315-733-2323

Amy Abdoo • 315-794-2653

Lic. R. E. Agent • azimecki@gurbr.com

Broker/Owner • blon316@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Constableville

Licensed Mortgage Banker NYS Banking Dept

Dolgeville

$99,900

$62,500

3708 Sweeney Road

18 Lamberson Street,

2 Bedrooms / 1.0 Baths

4 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41212

For more details visit www.LifeandHomes.com Type in Quick Search #42108

Barbara Dunn • 315-337-1677

United Country Real Estate/HBE Group, Inc. Sharon Baisley • 315-429-9754

Barbara Dunn Realty Broker/Owner • dunrealt@aol.com

Lic. R.E. Broker • hbegroup@twcny.rr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Licensed Mortgage Banker NYS Banking Dept

Constableville

$127,000 3706 Sweeney Road / 15 Acres

Eaton

3 Bedrooms / 1.0 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41211

For more details visit www.LifeandHomes.com Type in Quick Search #41933

Barbara Dunn Realty

Dominion Homes

Barbara Dunn • 315-337-1677

Amy Abdoo • 315-794-2653

Broker/Owner • dunrealt@aol.com

Broker/Owner • blon316@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Deerfield

$37,900

5767 Mill St

Licensed Mortgage Banker NYS Banking Dept

Forestport

$219,000

$329,900

6904 Crooked Brook

1011 Sand Street

4 Bedrooms / 2.5 Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42085

For more details visit www.LifeandHomes.com Type in Quick Search #42121

John Brown • 315-735-2222

Dorothy Gokey • 315-853-3767

Coldwell Banker Faith Properties

Gokey Real Estate

Broker/Owner • johnbrownsells@yahoo.com

Broker/Owner • dgokey@gurbr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Deerfield

Licensed Mortgage Banker NYS Banking Dept

Frankfort

$124,900

$249,900

646 Glendale Place

107 Sunflower Circle

5 Bedrooms / 2.0 Baths

3 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42138

For more details visit www.LifeandHomes.com Type in Quick Search #42075

Linda Peters • 315-527-1252

Assist2Sell Seller’s and Buyer’s 1st Choice!

Joanne Shedd • 315-790-1997

Coldwell Banker Faith Properties Lic R.E Associate Broker • LindaP1000@hotmail.com

Lic. R.E Salesperson • jshedd@assist2sell.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Gokey Real Estate Broker

Office. 315.853.3767 Cell.

315.724.4570

35 Years Commercial Construction Experience 5 Years Home Inspection Experience

Selling FSBO? This year, more than ever, is not the time to go it alone. Buyers have many homes to choose from.

A realtor provides maximum exposure, screens prospects, has contacts with attorneys, home inspectors, surveyors, lenders, contractors. We guide you through the maze of contracts, disclosures, marketing, setbacks and myriad of details. More than ever, you need a friend on your side; someone who knows the market, the risks, the ropes. Now an approved HUD broker. You need Neu.Dot Realty.

PO Box 126, Sherrill, NY 13461

Call 315-363-8074

Phone: 315-527-3542 Email: dneumann@neudotrealty.com www.Life and Homes .com

13

L i f e and H o m e s

Clinton NY 13323

Pre-Listing & Buyer Inspections Septic System Inspections & Dye Tests Water Purity & Quality Tests

NeuDot Realty

■

60 Utica St

Serving Central NY and the Mohawk Valley

Dorothy Neumann October

Dottie Gokey

Smith Inspection Services, llc

Licensed Mortgage Banker NYS Banking Dept

LifeandHomes.com Herkimer

Open Market Listing Service™ Lee Center

$82,900

123 Laurel Avenue

27 Family Circle

2 Bedrooms / 1.0 Baths

4 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42076

For more details visit www.LifeandHomes.com Type in Quick Search #42062

RE/Max All Pro

Assist2Sell Seller’s and Buyer’s 1st Choice!

Joanne Shedd • 315-790-1997

Tony Abone • 315-339-2222

Lic. R.E Salesperson • jshedd@assist2sell.com

Broker/Owner • proabone@cnymail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Ilion

Licensed Mortgage Banker NYS Banking Dept

Lenox

$68,000

319 Otsego Street

$139,900 3199 New Boston Street

4 Bedrooms / 1.0 Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42081

For more details visit www.LifeandHomes.com Type in Quick Search #42118

Bruce Ward & Company

Hunt Real Estate ERA

Carol Collins • 315-822-5621

Penny Wuest • 315-264-8212

Lic. R.E Salesperson • rlc5621@windstream.net

Lic. R.E Associate Broker • penny@pennywuest.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Ilion

Licensed Mortgage Banker NYS Banking Dept

Lenox

$134,900

8998 Lake Road

4 Bedrooms / 2.0 Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42065

For more details visit www.LifeandHomes.com Type in Quick Search #41994

Kay Real Estate

Leslie Nicolette • 315-985-0212

Julie Stickels • 315-363-9191

Lic. R.E Salesperson • dnicolette@twcny.rr.com

Assoc. Broker • kayhomes@dreamscape.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Ilion

Licensed Mortgage Banker NYS Banking Dept

Litlle Falls

$119,900

$69,500

45 South Fifth Ave

340 West Monroe Street

3 Bedrooms / 1.5 Baths

2 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42141

For more details visit www.LifeandHomes.com Type in Quick Search #42109

Jay Groah • 315-272-3975

United Country Real Estate/HBE Group, Inc. Sharon Baisley • 315-429-9754

Coldwell Banker Faith Properties Licensed R.E. Agent • jlgroah@gmail.com

Lic. R.E. Broker • hbegroup@twcny.rr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Lee

Licensed Mortgage Banker NYS Banking Dept

Little Falls

$449,000

$10,900

8656 Emerald Circle

67 Moreland St

5 Bedrooms / 3.5 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42080

For more details visit www.LifeandHomes.com Type in Quick Search #41820

Clemens-Beckley Real Estate

Dominion Homes

Barbara Clemens • 315-334-1046

Amy Abdoo • 315-794-2653

Broker/Owner • BCLEMENS@CNYMAIL.COM

Broker/Owner • blon316@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Central New York

Licensed Mortgage Banker NYS Banking Dept

Licensed Mortgage Banker NYS Banking Dept

Several log home plans are available, with many different log styles to choose from.

We offer 3 species of wood and optional roof systems. The possibilities are endless...

■

L i f e and H o m e s

$94,900

44 South Fourth Ave

Bruce Ward & Company

"Our goal is to provide you with a no pressure, turn-key home building experience log or stick built."

Q Log Homes Q Timber Frame Construction Q Fireplaces Q Basements Q Decks Q Custom Kitchens Q Additions

Q General Contracting Q Carpentry Q Plumbing Q Masonry Q Roofing Q Electrical work

START LIVING YOUR DREAM TODAY!

Call Dean Case 315-942-4949 • Cell 315-534-3319 • Fax 315-942-2527 Adirondack Builders, Inc. is an independently owned and authorized dealer/builder for Tennesee Log Homes.

14

$229,900

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

October â–

www.Life and Homes .com

15

L i f e and H o m e s

LifeandHomes.com Madison

$499,900 Madison County Free Stall Operation

New Hartford

7 Bedrooms / 2.0 Baths - 180 Acres

4 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42139

For more details visit www.LifeandHomes.com Type in Quick Search #42082

David Posson • 607-316-3758

Carol Collins • 315-822-5621

Posson Realty LLC

Broker/Owner • possonrealty@frontiernet.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Marcy

3 Bedrooms / 2.0 Baths For more details visit www.LifeandHomes.com Type in Quick Search #41234

Buck Contruction • 315-736-0865

Buck Contruction • 315-736-0865

Marcy

$189,000

$349,900

10132 Mallory Rd.

Buck Construction

Contractor/Developer • alyssabuck@buckconstruction.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

$249,900

6047 Cavanaugh Road

52 Woodberry Road

3 Bedrooms / 2.5 Baths

5 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42140

For more details visit www.LifeandHomes.com Type in Quick Search #42142

Alexander Sen • 315-797-2400

Jay Groah • 315-272-3975

Senshine Real Estate

Broker/Owner • alex@senshinerealestate.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Mohawk

$89,000

Coldwell Banker Faith Properties Licensed R.E. Agent • jlgroah@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

$289,000

38 Church Street

10 Galway Road

3 Bedrooms / 1.0 Baths

4 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41324

For more details visit www.LifeandHomes.com Type in Quick Search #42096

Leslie Nicolette • 315-985-0212

Janice L. Cidzik • 315-768-1680 x 209

Bruce Ward & Company Lic. R.E Salesperson • dnicolette@twcny.rr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Morrisville

$58,000

Coldwell Banker Prime Properties Realtor • JANCIDZIK@CBPP.COM

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

$199,900

Roher Road

307 Higby Road

12.5 Acres

3 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33928

For more details visit www.LifeandHomes.com Type in Quick Search #42017

Thelma Chase • 315-363-5464

Dorothy Neumann • 315-527-3542

Don Kingsley Real Estate Assoc. Broker • thinkthelma@twcny.rr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Central New York

Licensed Mortgage Banker NYS Banking Dept

For more details visit www.LifeandHomes.com Type in Quick Search #41653

Licensed Mortgage Banker NYS Banking Dept

www.SBG-Realty.com Top 10 things to do whether you are buying or selling: 1. Call Joel Siegfried

■

Lic. R.E Salesperson • rlc5621@windstream.net

Low Mortgage Rates • Homestead Financial 315-768-1980

3 Bedrooms / 2.0 Baths

Low Mortgage Rates • Homestead Financial 315-768-1980

L i f e and H o m e s

Bruce Ward & Company

New Hartford

Contractor/Developer • alyssabuck@buckconstruction.net

(He will handle the rest.)

16

$265,900

28 Woodstream Court

$299,900 Buckland Estates - New Construction

Buck Construction

286 Genesee St Suite 1 Utica, NY 13502

Open Market Listing Service™

315-796-2258

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

NeuDot Realty

Broker/Owner • neu.dot@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Open Market Listing Service™ New York Mills

LifeandHomes.com Oneida

$134,900

$329,900

10 Chestnut Street

1855 West Road

3 Bedrooms / 2.0 Baths

5 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42092

For more details visit www.LifeandHomes.com Type in Quick Search #42133

Assist2Sell Seller’s and Buyer’s 1st Choice!

Stephen Bartlett • 315-794-4549

Sue Rosendale • 315-374-7451

Hunt Real Estate ERA

Realtor • sbartlett@assist2sell.com

Lic. R. E. Agent • srosendale@huntrealestate.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Oneida

Licensed Mortgage Banker NYS Banking Dept

Oriskany

703 Stone Street - Business Opportunity

$275,000

$210,000 6387 Reid Lane w/ In-Law Apt

Family Entertainment Center

6 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42136

For more details visit www.LifeandHomes.com Type in Quick Search #42097

Sue Rosendale • 315-374-7451

Judy Hinman • 315-768-1680

Hunt Real Estate ERA

Coldwell Banker Faith Properties

Lic. R. E. Agent • srosendale@huntrealestate.com

Agent • jhinman@gurbr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Oneida

Licensed Mortgage Banker NYS Banking Dept

Oriskany Falls

$144,900

$99,900

414 Oxford St

6011 Rogers Road

3 Bedrooms / 1.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41908

For more details visit www.LifeandHomes.com Type in Quick Search #42067

Thelma Chase • 315-363-5464

Mary Pat Adams • 315-761-5484

Don Kingsley Real Estate

Hunt Real Estate ERA

Assoc. Broker • thinkthelma@twcny.rr.com

Lic R.E Associate Broker • mpadams@huntealestate.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Oneida

Licensed Mortgage Banker NYS Banking Dept

Remsen

$309,900

612 Deerfield Drive

$328,000 10040 Bardwell Mills Road

4 Bedrooms / 2.5 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41832

For more details visit www.LifeandHomes.com Type in Quick Search #42090

Jenny Chapin • 315-363-5533

Anthony Fumarola • 315-732-3456

Hunt Real Estate ERA

A.Fumarola /Joyce Realty

Realtor • jchapin@huntrealestate.com

Broker/Owner • anthony.fumarola@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Oneida

Licensed Mortgage Banker NYS Banking Dept

Rome

$209,900

$129,500

1735 Middle Road

401 W Dominick Street

4 Bedrooms / 2.0 Baths

High Traffic Corner Lot

For more details visit www.LifeandHomes.com Type in Quick Search #42135

For more details visit www.LifeandHomes.com Type in Quick Search #41623

Sue Rosendale • 315-374-7451

Maria E. Dailey • 315-336-0433

Hunt Real Estate ERA

National M&D Dailey Realty

Lic. R. E. Agent • srosendale@huntrealestate.com

Broker/Owner • dailey.realty@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Licensed Mortgage Banker NYS Banking Dept

bdornburgh@twcny.rr.com

www.SuperiorPlusEnergy.com

Done on Time.

We don’t only inspect, we educate you about your new home and give you

Peace of Mind.

Licensed Real Estate Broker Professional & Courteous Real Estate Services

(315)790-4153 visit us on the web @ www.newnestrealty.com www.Life and Homes .com

17

L i f e and H o m e s

&

Amy La Clair

■

Professional Affordable

800-432-8669

New Nest Realty

October

NYS License#: 16000019454

Brian Dornburgh 315-865-6793 814-512-2275

LifeandHomes.com

Open Market Listing Service™

Rome

$64,900 106 D’Angelo Ave - Commercial

Rome

Tavern

4 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41743

For more details visit www.LifeandHomes.com Type in Quick Search #42078

RE/Max All Pro

Tony Abone • 315-339-2222

$11,000

$259,900

4 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42066

For more details visit www.LifeandHomes.com Type in Quick Search #41370

Lic R.E Associate Broker • mpadams@huntealestate.com

Licensed Mortgage Banker NYS Banking Dept

Rome

$14,900

Coldwell Banker Prime Properties Gaetano Belmonte • 315-768-1680 Realtor • Homes@GaetanoBelmonte.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$359,000

503 E. Dominick St

7774 Gifford Road

7 Bedrooms / 2.0 Baths

5 Bedrooms / 3.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41950

For more details visit www.LifeandHomes.com Type in Quick Search #42095

Dominion Homes

Amy Abdoo • 315-794-2653

Realtor • JANCIDZIK@CBPP.COM

Licensed Mortgage Banker NYS Banking Dept

Rome

Coldwell Banker Prime Properties

Janice L. Cidzik • 315-768-1680 x 209

Broker/Owner • blon316@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

$149,000

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$219,900

6199 Lorena Road

167 Northwood Circle

3 Bedrooms / 1.5 Baths

4 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33616

For more details visit www.LifeandHomes.com Type in Quick Search #42094

1St. Rome Realty

Tracy Winterton • 315-335-3843 Lic. R.E Salesperson • tlwinterton@hotmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$109,900

Coldwell Banker Prime Properties

Janice L. Cidzik • 315-768-1680 x 209 Realtor • JANCIDZIK@CBPP.COM

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$129,900

7811 Turin Road

7100 Townline Road

4 Bedrooms / 2.5 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42091

For more details visit www.LifeandHomes.com Type in Quick Search #41746

Assist2Sell Seller’s and Buyer’s 1st Choice!

Stephen Bartlett • 315-794-4549 Realtor • sbartlett@assist2sell.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Central New York

Rome 8103 Pinebrook Lane

Low Mortgage Rates • Homestead Financial 315-768-1980

Clemens-Beckley Real Estate, Inc.

Barbara Dunn Realty

■

L i f e and H o m e s

Licensed Mortgage Banker NYS Banking Dept

Used for Organic Farming

Mary Pat Adams • 315-761-5484

420 N. Washington St. Rome, NY 13440

315-334-1046

18

Low Mortgage Rates • Homestead Financial 315-768-1980

Old Oneida Road - Lot

Hunt Real Estate ERA

2

Clemens-Beckley Real Estate Broker/Owner • KABBHG@AOL.COM

Licensed Mortgage Banker NYS Banking Dept

s me o H

1728 N George Street

Kimberly A. Beckley • 315-334-1046

Broker/Owner • proabone@cnymail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Rome

$184,500

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

215 N. James Street Rome 315-337-1677 • dunnrealt@aol.com

Coldwell Banker Prime Properties Kathy White • 315-768-1680

Lic. R. E. Broker • kathy.white@coldwellbankerprime.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

#1 Selling Coldwell Banker in the Mohawk Valley 2306 Genesee Street, Utica, New York

FAITH PROPERTIES

723-2270

Visit my Web Site for the easiest Mohawk Valley searches: www.Jim.centralnewyork.com

Jim Lenahan is Here to lend a hand to Buyers as an Accredited Buyer’s Agent and Sellers as a Dedicated Seller’s Agent.

Call, e-mail or text anytime.

Jim Lenahan

Utica

$94,900

Whitesboro

$114,900

Come see this vintage 2 Story Home! The charm of yesteryear has been maintained with pocket doors, leaded glass, antique lights, Fireplaced living room, and beautiful hardwood floors! Nice deck off rear, new paint, 1 stall garage. MLS #1002018

Carefree 3bdrm 1ba ranch with most of the updates done! Come see the new east european style bath w/ jacuzzi tub and sit-down shower! 16X32 Heated in-ground oval pool. Updated roof, siding, windows, furnace, central air, doors, & electric. MLS #1002779

Rome

$91,900

Clayville

$289,000

Associate Broker, GRI Designation jim@centralnewyork.com

Cell: 315-723-2270 Office: 735-2222 Ext 20 Marcy

$169,900

Come live in the country on this 3bdrm 2ba ranch on 1.6 Acres and enjoy the view. Hardwood floors, stone fireplace and public utilities, completely updated with new master suite, new kitchen, windows, furnace, doors, electric, and new garage door. MLS #1002774

6377 State Route 233, Rome NY • 315-336-7323

4 Bedroom - Reduced!

Large New 4 Bedroom 2 Bath Ranch. New Range and Refrigerator, on Cul-De-Sac, Large Deck and Storage Shed $58,900 $54,900

Motivated Sellers! Bring offer! Updated kitchen, windows, siding, roof, appliances, H/WTank, garage opener.Well insulated, all appliances stay. Has 2BDRM & FR in basement. Living room has hdwd, and wood frpl.$2000 bonus to buyer at closing. MLS #1000499

Gracious Community Living • Meticulously Maintained • Rome Water Secure • Financing Available • No Closing Costs • Westmoreland Schools Open Mon, Tues, Wed, Fri, Sat by appointment New Homes on Display from $72,000!

Our Best Buy - Reduced!

Just Remodeled 3 Bedroom 2 Bath Ranch, Central Air, Carport Storage Shed, New Carpet $35,900 $32,900

New Listing

Near New

Newer 3 Bedroom 2 Bath Ranch, Central Air, Open Floor Plan.

Owner Anxious. $59,900 $54,900

Great Floor Plan Spacious 3 Bedroom, 2 Bath Ranch, 1½ Car Garage, Central Air, Large Deck, and All Appliances, Including Washer, Dryer, and Dishwasher. $54,900 www.Life and Homes .com

19

L i f e and H o m e s

New Listing

■

ICe

D He As L s

October

Very Nice 2 Bedroom 2 Bath Ranch, Dense Woods in Back, Central Air, Deck, All Appliances, New Roof, W/D Negotiable. Come See. $41,900

PR

Large 3 Bedroom, 2 Bath Ranch. Central Air, Backs Up to Woods, Fireplace, Large Deck. $40,000

Historic federalist colonial landmark home of clay manor sits on over 13 acres. Features 5 fireplaces, fountain, plank floors, 3 porches, elevator, original doors, woodwork, new carpet, new roof over 4000 ft of living area. MLS #1000040

Average Home

Days On Market: Ava

$299,900

7280 Lakeview Drive all primary rooms Stunning lake views from front home! lake l coo y ver ue, uniq this in

Holland Patent $1 55,000

7939 Steuben Street Imagine the charm & character of the 19th century blended w/ mo dern amenities.

Ilion

$119,900

45 South 5th Ave

Central New York

ly stunning 3 br 1.5 Welcome home to this simp ul Ilion neighborhood!

Ba renovation in a wonderf

3 0 Days

94

New Hartf ord $ 249,90 0

www.GetP ackingCN

Y.com

52 W Absoluoodberry rd colonialtely beautiful ov that rad iates wersized woodb armth a e nd charrry m!

Yorkville $149,900

2353 Douglas Ave this beautiful raised Welcome home to -popular neighborranch in an always d-end street! a hood on a private dea

Lee

Ilion $64,900

Clinton $79,900

54 Fourth Street home! Totally Not a cookie-cutter ge property. unique, very cool villa

3901 New Street a 1837- great Clinton cottage, circ a desirable opportunity to live inleve l price! ry ent @ nity mu com

Operations

FAITH pROpERTIES

The Jay Groah Team Licensed Real Estate Sales Agents

315.735.2222 (office) 315.272.3975 (jay) 315.725.1608 (brandon)

Jay

Listing Co ordinator

20

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

$119,900

8632 Willow Drive You’ll love this utterly imm aculate ranch!

Wonderful, quiet street .

Jorda n Guy

â–

L i f e and H o m e s

Our DOM :

Bra ndon ialist Bu yer Spec

Coldwell Banker Faith Properties

August Stars

Keith Schuderer

2306 Genesee Street Utica, New York 735-2222

www.CentralNewYork.com FAITH PROPERTIES www.Life and Homes .com

21

L i f e and H o m e s

Jay Groah

â–

Linda Peters

October

Congratulations to these Three Top Selling Agents!

SCAMPONE REAL ESTATE 797-7100

EW

N

EW

N

G TIN

LIS

Ilion

$169,500

Over 4200 sq ft of living area in this historical home built in 1864 by the Remington Brothers. Currently set up as a 2 fam, can be 1 fam. Would make a great B&B. Beautiful grounds bordered by Steelcrk on the E. side. Floor plan can work for so many different needs. Hdwd flrs, sunrooms, spacious, must see! MLS #1003277

East Utica - 2 Unit

EW

N

G TIN

LIS

$75,000

South East Utica

$189,000

Central New York

N

G TIN

LIS

$399,000

W

NE

N TIO UC TR S ON

C

New Hartford

$239,900

$118,000

Unique 2 bedrm, 1 bath ranch in great area. Has many updates; kit, vaulted LR w/ FP, vaulted DR, Vaulted master bedrm. Beautiful hardwoods throughout & ceramic in kit. Newer windows, CA, fenced yard, large shed, 1½ stall garage & lge front deck makes this a wonderful turn key home MLS #1003218

Oriskany

$275,000

Nearly new Country Cape situated on a partially wooded private lot. 1st flr mstr suite, FR w/ FP. Great kit w. brkfst area. Formal ining leads to Trex Decks & enclosed sunporch. 3 more bdrms, bath & attic access on 2nd lvl Finished basement w/ wet bar, ½ bath & office. MLS #1002513

New Hartford

$195,000

Newly Constructed 3 bdrm 2 bth ranch in the Whitetail Meadows development.

Gorgeous brick oven kitchen w/ maple cabinets, LR, DR, breezeway. Completed w/ lawn, driveway, walkway.

Turn key! MLS #1000465

Traditional Architecture embraces modern day living in this 4 bedrm, 1½ bath Brick Colonial. Center hall foyer lends way yo large principal rms, formal dining, FP in FR. Hrdwd flring & crisp, clean lines carry throughout. Classic built-ins in almost every room boasts character & a rich interior distinguishes a 1st flr study/den. Sunporch embraces comfort & relaxation. 2 stall garage w/ loft. A must see! MLS #912805

South East Utica

South East Utica

$159,000

$129,900

South East Utica cape with all the amenities. 4 bdrm, 2 bath. Completely Updated within the past 10 years. Lge inground heated pool. 2nd flr master w/ balcony& FP. Stainless steel kitchen w/ granite countertops. LR w/ FP, formal dining. A must see home.

MLS# 1002597

Updated 3 bedroom, 1 bath ranch in a very desirable East Utica location.

All new vinyl windows, drive, interior & exterior doors. New bath, freshly painted interior, hardwoods throughout. Updated furnace & electrical. Steel beam construction.

New Hartford

Frankfort Townhouse

$89,900

New Hartford-Mobile Home $49,900

Totally renovated townhouse in rolling hills. Newer roof, new kitchen, flooring, appliances, windows, insulation, heating & air conditioning. Better than new. Nicely Done. MLS #1001972

This 3 bedrm double wide located in Applewood has it all. Enclosed porch, central air, living room w/ fireplace and much more. Lot rent $385 per month. MLS # 1002367

$126,900

This house has been gutted and rebuilt on its interior; cosmetics & mechanics. Large sunken family rm. Tiled foyer, kit & bths. 1st fl master w/bth. Laundry in 1st fl 1/2 bth, 2nd fl has open computer/ play area. Double lot. Screened sunprch. Affordable ownership. Low taxes. A must see. MLS #1002355

FOR A COMPLETE INVENTORY OF LISTINGS & UP TO DATE PROPERTY INFO, VISIT...

scamponerealestate.com

22

North Utica

3 bdrm, 2 bth ranch, nearly 1800 sq ft, hrdwds, formal dr & lr, fplcd fr w/built in wet bar, eat in kit, mstr bth. Sliders from kit & mstr bdrm to private backyard, hot tub ingrnd pool.

Many amenities & updates.

MLS #1000130

■

EW

Unique English Tudor situated on a private wooded setting. 2760 sq ft of classic style & outstanding craftsmanship.

4 bdrm, 2 full baths, 2 half baths. Updated kitchen & baths, featuring mosaic tiles & stainless appliances. Open LR/DR, great FR w/ FP & beamed ceiling & wet bar.

Mstr suite has gas FP. Avanti sound system throughout. Too many amenities to mention. MLS #911363

$240,000

Popular area. Completely Remodeled, C/A., Modified ranch with beautiful layout & abundant principal rms on main level. Over 2700 sq ft, 4 bdrm, 1 1/2 bths, 1700 sq ft in-law apt on lower level, sep entrc. Amenities galore, massive rooms, formal dining, beautiful yard, inground pool & so much more! MLS #200800287

Fully equipped turn key tavern currently operating as Salutes, formerly Lasseks Tavern. Completely renovated w/ 2 yr old 20x20 addition, open air kitchen, cathedral ceilings, knotty pine interior w/ skylites. Just needs a new owner.

South East Utica

Two unit, 3 bedroom flats upper/lower. Spacious principal rooms. All hardwood flooring.

Deep yard.

South East Utica

East Utica - Commercial $139,900

MLS #1003199

MLS #1003200

L i f e and H o m e s

W

NE

ICE PR

G TIN

LIS

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

MLS # 1001081

Open Market Listing Service™ Rome

LifeandHomes.com Rome

$349,900

$88,500

811 Beech Street

1911 N. Madison St.

5 Bedrooms / 3.5 Baths

2 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42122

For more details visit www.LifeandHomes.com Type in Quick Search #41823

Gokey Real Estate

Royal Realty

Dorothy Gokey • 315-853-3767

Holly Osterhoudt • 315-337-2229

Broker/Owner • dgokey@gurbr.com

Lic. R.E Salesperson • Holly@royal1realty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

Licensed Mortgage Banker NYS Banking Dept

Rome

$344,000

$48,000

406 W. Oak Street

1012 W Thomas

4 Bedrooms / 3.5 Baths

4 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33770

For more details visit www.LifeandHomes.com Type in Quick Search #41952

National M&D Dailey Realty

Royal Realty

Maria E. Dailey • 315-336-0433

Rob Savoy • 315-337-2229

Broker/Owner • dailey.realty@gmail.com

Broker/Owner • info@royal1realty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

Licensed Mortgage Banker NYS Banking Dept

Sauquoit

$59,500

$179,900

534 Mill Brook Road

2691 Mohawk Street

3 Bedrooms / 1.5 Baths

4 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33899

For more details visit www.LifeandHomes.com Type in Quick Search #42077

We Buy/Sell Houses • 315-264-9235

Assist2Sell Seller’s and Buyer’s 1st Choice!

Joanne Shedd • 315-790-1997

Oneida County Real Estate Investors Investor • phpenterprises@hotmail.com

Lic. R.E Salesperson • jshedd@assist2sell.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

Licensed Mortgage Banker NYS Banking Dept

Sherrill

$64,500

$125,900

706 W Bloomfield St

146 Elmwood Place

2 Bedrooms / 1.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42063

For more details visit www.LifeandHomes.com Type in Quick Search #41991

RE/Max All Pro

Kay Real Estate

Tony Abone • 315-339-2222

Julie Stickels • 315-363-9191

Broker/Owner • proabone@cnymail.com

Assoc. Broker • kayhomes@dreamscape.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

Licensed Mortgage Banker NYS Banking Dept

Stanwix

$122,500

$98,000

100 Maple Street

6851 Rome Oriskany Rd - Commercial

5 Bedrooms / 2 Full Baths/2 Half Baths

Turn-key Salon

For more details visit www.LifeandHomes.com Type in Quick Search #42061

For more details visit www.LifeandHomes.com Type in Quick Search #42079

RE/Max All Pro

Clemens-Beckley Real Estate

Tony Abone • 315-339-2222

Jill Shafer • 315-334-1046

Broker/Owner • proabone@cnymail.com

Lic. R.E Salesperson • JILLEATON2@HOTMAIL.COM

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Licensed Mortgage Banker NYS Banking Dept

Kathy White

315.269.5844

Dep endable • Fast

ns ure d•

Call for a FREE Quote!

I le • b Prof a essional • Afford

pRIME pROpERTIES We Never Stop Moving Relocating Families for over 23 years!

4957 Commercial Drive, Yorkville, NY 13495 • Office: (315) 768-1680 www.Life and Homes .com

23

L i f e and H o m e s

Right Painter!

Homeowners • Commercial jobs House Flippers • Contractors • Landlords Hire by the day, week, or job No job is too small!

■

Exper ienced

Wewith FittheYou

October

Licensed Associate R.E. Broker Coldwell Banker Prime Properties

e Paint,We’ll A y th pp u ly uB

it!

Yo

Painter’s Network

LifeandHomes.com Sylvan Beach

Open Market Listing Service™ Utica

$69,000

North Utica

Seller Financing

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #32685

For more details visit www.LifeandHomes.com Type in Quick Search #34001

Steve Ruscitto • 315-762-4488

Buck Contruction • 315-736-0865

Oneida County Real Estate Investors

Buck Construction

Investor • steve@cnyres-q.com

Contractor/Developer • alyssabuck@buckconstruction.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Sylvan Beach

Licensed Mortgage Banker NYS Banking Dept

Vernon

$67,000

84 Seneca Ave

Seller Financing

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #32684

For more details visit www.LifeandHomes.com Type in Quick Search #42068

Steve Ruscitto • 315-762-4488

Mary Pat Adams • 315-761-5484

Hunt Real Estate ERA

Investor • steve@cnyres-q.com

Lic R.E Associate Broker • mpadams@huntealestate.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Trenton

Licensed Mortgage Banker NYS Banking Dept

Vernon

$219,500

5323 State Rt 46

4 Bedrooms / 2.5 Baths

2 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41913

For more details visit www.LifeandHomes.com Type in Quick Search #42119

Gaetano Belmonte • 315-768-1680

Penny Wuest • 315-264-8212

Hunt Real Estate ERA

Realtor • Homes@GaetanoBelmonte.com

Lic. R.E Associate Broker • penny@pennywuest.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

Licensed Mortgage Banker NYS Banking Dept

Vernon

$74,900

4588 Verona Street

6 Bedrooms / 2.0 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41573

For more details visit www.LifeandHomes.com Type in Quick Search #41385

Dorothy Neumann • 315-527-3542

Amy La Clair • 315-790-4153

New Nest Realty

Broker/Owner • neu.dot@gmail.com

Lic. R. E. Broker • info@newnestrealty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Licensed Mortgage Banker NYS Banking Dept

Utica

$24,900 1120 Schuyler - Multi Family

Vernon

4 Bedrooms / 2.0 Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41646

For more details visit www.LifeandHomes.com Type in Quick Search #41934

Dorothy Neumann • 315-527-3542

Amy La Clair • 315-790-4153

$157,000 4966 State Route 26 Rome Rd

NeuDot Realty

New Nest Realty

Broker/Owner • neu.dot@gmail.com

Lic. R. E. Broker • info@newnestrealty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Central New York

$137,000

29-31 Leslie - 2 Unit

NeuDot Realty

Penny Wuest

Associate Broker, GRI, CRS Designee Hunt Real Estate ERA

HONESTY AND INTEGRITY • Your Full Time Professional Real Estate Consultant • Member of Syracuse and Utica MLS • Multi-Million Producer

■

$52,000

9138 Plank Road

Coldwell Banker Prime Properties

L i f e and H o m e s

$109,900

1314 Vienna Rd

Oneida County Real Estate Investors

340 Main Street Oneida, NY 13421

315-363-5533

Cell: (315) 264-8212 Email: penny.wuest@ERA.com

24

$319,900

503 16th Ave

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

Licensed Mortgage Banker NYS Banking Dept

Advanced Home Inspection Service LLC 15 years experience inspecting homes NYS Licensed/ Certified Inspector NEHA/NRPP Certified Radon Tester Well flow/Septic Dye/Water Purity Testing Providing our clients with an educated inspection of their new home purchase while looking for any minor/major defects

NAHI

Don Archer

Stephen Bartlett License Salesperson Assist 2 Sell

Seller’s & Buyer’s 1st Choice!

America’s Leading Discount Real Estate Company

NRPP

Call 315-792-9029

http://www.advancedhomeis.com

147 Genesee St, New Hartford, NY 13413 Phone: 315-735-9244 Cell: 315-794-4549 Fax: 315-735-6941 Email: SBartlett@Assist2Sell.com

STEAL NEW HOMES LAND 50% OFF MODULAR “IT’S SIMPLE” We can give you better specifications, more upgraded features, and a higher quality home

And we can do all this for less money.

BRING US YOUR BEST DEAL - WE WILL BEAT IT! Stick Built Quality Modular Homes Ph: 315-891-3254

QSN#41521

Colonial New Construction

All Remaining Lots To Be Sold At 1/2 Price

Beautiful & Affordable Home Sites FROM 5 ACRES TO 40 ACRES • PRICES FROM $14,900 Special Onsite Financing Available “Buy Now - Build Later” THIS IS THE BEST DEAL AROUND

Home Features: 3 or 4 bedrooms 2 ½ baths full basement 2 car garage under

POND VIEW

Open Floor Plan • Upgraded Kitchen Breakfast Nook Formal Dining Room Oversized Master Suite Master Bath with Whirlpool Tub Rear Sundeck • Great Views Great Schools • Easy Commute Low Taxes • Snowmobile & ATV Friendly

Private family community for fun & investment 35 Exceptional homesites set on 235 acres Riding trails, stocked fish ponds, sunset views

Direct Snowmobile & ATV Trails Out Your Door To The Ridge Runners Clubhouse

Middleville, Herkimer County, NY Ph. (315) 891-3254

Located at Pond View Estates on 5 Beautiful Acres Priced at $189,900 315-891-3254 • Middleville, New York

QSN#42087

QSN#41907

“The Key to your front door”

Wampsville

$189,900

Rome

$74,900

128 Genesee St. Old World Charm with modern conveniences.

4 bed, 2 full bath home completely renovated.

Oneida Schools.

919 Croton St. Spacious 2 family home in a great neighborhood.

2 car garage. Nice apartments. Perfect to live in one and rent the other. Additional side lot included in sale!

QSN#41379

QSN#42088

Lee Center

$89,900

9174 Sulphur Springs Rd Welcome home to this adorable 3 bedroom cape cod in the Town of Lee. Nice and bright floor plan. Well cared for. Super yard! One stall garage. Full basement

Denise Witchley Lic. Real Estate Broker/Owner 337-0841 office 335-6971 cell 337-7973 fax For more information on any of these homes, visit

www.LifeandHomes.com and type in the QSN#

Rome

$57,000

110 Abbe Blvd.

3 bedroom, 2 full bath doublewide is waiting for you!

Master suite, fireplace, central air, centrally located, move in condition, open floor plan and a super back deck - need I say more? Call today and get that turkey ready for your first Thanksgiving in your new home!

Rome

$89,900

7879 W. Thomas St Owner built 3 bedroom, 1 full bath ranch with plenty of potential. 2 stall attached garage, full basement and large yard. Convenient location.

2 porch areas. Hardwood floors. Kitchen is nice size. Bright family room.

Rome

$149,900

6607 Bartlett Rd Approx 34 acres is home to this farmhouse and outbuildings. All buildings need TLC. Nice area. Westmoreland school district. Time to roll up your sleeves and get serious!

Investment Rome

104-106 3rd st.

2 family 3 beds each, garage

www.homecomingrealty.net • 734 Erie Blvd. W, Rome, NY 13440

$49,000 QSN #41230

How To Create

newsShorts

Versatile Living Spaces With the active and bustling lifestyle families lead, it is no surprise that they frequently change the way they interact with, and in, their living spaces. Different stages of life call for different living spaces. Most homes are not equipped to offer this versatility. Outfitted with traditional swinging doors that squander space, standardwidth doorways offer limited accessibility and restrictive living areas.

According to a survey on homeowner and home buyer priorities, the ideal home readily adapts to a family’s changing room space requirements.

For example, the addition, growth and departure of children or elderly relatives create significant demand for flexible floor plans. To make the most of your home, adding new door solutions like Johnson Hardware’s ingenious Multi-Pass Pocket Door Hardware can help you optimize existing square footage.

Central New York

A home that is able to evolve with ever-changing families has functionality at the forefront of its design.

Johnson’s Multi-Pass Pocket Door application

L i f e and H o m e s

■

Amy Abdoo

Make high traffic areas of your home more accessible with a large entryway that won’t inhibit wheelchairs, walkers or foot traffic.

Whether it’s a play room for the kids or living quarters for an elderly relative, a pocket door’s bottom track can be recessed in the floor for easy navigation through the entryway.

With standard Multi-Pass Pocket Door Hardware, you can create up to 12 foot wide doorways, or wider openings with longer custom tracks. Reveal large open areas when the pocket doors slide back inside the wall. Now you have an expansive space for guests to socialize and mingle, an area perfect for family game night or a safe, open area for children to play.

Dominion Homes

Kay Real Estate

Amy is a NYS licensed Real Estate Broker. For the last 6 years she has enjoyed working primarily with marketing foreclosures with several different banks and outsourcers. She resides in Clinton and when not “Helping You Make Our House Your Home”, she spends time with her husband and three boys. Give her a call or email for your Real Estate needs.

Kay Real Estate, established in 1983, has been serving Oneida and surrounding areas for 25 years. Their success can be partly attributed to the community itself by being centrally located between 2 major cities helping to make Oneida an excellent place to reside. Please feel free to contact us to discuss how we can assist you with your real estate needs.

Phone: 315-794-2653 Email: Blon316@aol.com

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enables up to three 300-pound doors to glide effortlessly into the inside of the wall. Since pocket doors do not swing open or closed, you can reclaim floor space consumed by traditional hinged doors.

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

126 Main St., Oneida, NY • 315.363.9191 • www.kaysteam.com

Pull the doors shut and the large space quickly transforms into two cozy and more private settings. Sliding the doors closed allows you to easily create an intimate home theater to watch the latest movie or a comfy, peaceful nook to catch up on your reading. Multi-Pass Pocket Doors give you a level of versatility that standard doors and entryways cannot mimic.

To ensure safe, jump-proof operation, choose hardware that is manufactured and tested to exceed ANSI standards and backed with a lifetime guarantee.

If your home needs some updates to accommodate your family’s lifestyle, it’s easier than ever to make relatively small changes that will have a big impact. For more information, contact Johnson Hardware at 2100 Sterling Ave., Elkhart, Ind. 46516; call (800) 837-5664 or visit www.johnsonhardware.com. (ARA) -

Jennie Chapin Clinton Real Estate

I am a residential real estate broker and have consistently been a Top Producer in production. I have a Certified Residential Specialists designation which only 5% of agents have acquired. I base my business on integrity, trust, confidentiality and high ethical standards.

Phone: 315-853-4400 Email: jchapin1@twcny.rr.com

MVLS#41784

Kinship Properties Oppenheim

Two Locations to Serve You! St. Johnsville, N.Y. 518-568-2776 315-429-9750 NEW! Dolgeville, N.Y. www.KinshipProperties.com

$189,000

Lovely farm in country setting. Scenic pastures with several outbuildings as well as a full cattle/hay barn.

Two hayfields, wood and fenced in for animals.

Call Debbie Sicilia 518-495-5770.

St. Johnsville

$39,000

This very nice 3 Bedroom home includes: a new furnace, new hot water heater, stove, refrigerator, washer & dryer, a cozy back & front porch, and a small fenced in yard. Asking price is: $39,000 Unfurnished or $45,000 With furnishings. Call Debbie Sicilia 518-495-5770.

MVLS#41593

MVLS#41682

Buying or selling your home?

The NEW! Branch Of�ice in Dolgeville will showcase your home to potential buyers with 2 open houses in 1st 3 months and

$250.00 off closing fee.

St. Johnsville

$99,000

A very nice raised ranch in a desirable neighborhood.

This home offers 3 bedrooms, 2 full baths, large living roomanddiningroom.Italsohasafamilyroominthe basement with a partial kitchen in it.With a littleTLC this couldbeabeautifulhome.CallRobertSnell 518-321-9897

Manheim

$449,000

Beautiful older home that has been restored while keeping original look with modern amenities, including heat, electric, kitchen, windows and bathrooms. Lots of open land, great for horses & other animals. Call Nancy De Fabritis 1-845-546-0187

October â–

www.Life and Homes .com

27

L i f e and H o m e s

LifeandHomes.com Vernon

Open Market Listing Service™ Westmoreland

$172,000

7547 State Route 5

3 Bedrooms / 1.5 Baths

4 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41694

For more details visit www.LifeandHomes.com Type in Quick Search #42134

Amy La Clair • 315-790-4153

Sue Rosendale • 315-374-7451

New Nest Realty

Hunt Real Estate ERA

Lic. R. E. Broker • info@newnestrealty.com

Lic. R. E. Agent • srosendale@huntrealestate.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Verona

Licensed Mortgage Banker NYS Banking Dept

Whitesboro

$174,900

1 Collins Avenue

4 Bedrooms / 1.5 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41793

For more details visit www.LifeandHomes.com Type in Quick Search #42093

Mike McNaughton • 315-264-3081

Assist2Sell Seller’s and Buyer’s 1st Choice!

Stephen Bartlett • 315-794-4549

Assoc. Broker • mike@mcnaughtonhouse.com

Realtor • sbartlett@assist2sell.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Verona

Licensed Mortgage Banker NYS Banking Dept

Whitesboro

$82,500

10 Dexter Street

3 Bedrooms / 2.0 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41996

For more details visit www.LifeandHomes.com Type in Quick Search #42098

Janet Mautner • 315-363-9191

Kim Perry • 315-723-6340

Buyer’s Realty Group

Assoc. Broker • kayhomes@dreamscape.com

Lic. R. E. Salesperson • k.perry9767@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Verona

Licensed Mortgage Banker NYS Banking Dept

Whitesboro

$87,900

$147,900

5740 Merry Street

55 Main St

2 Bedrooms / 1.0 Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41995

For more details visit www.LifeandHomes.com Type in Quick Search #41953

Janet Mautner • 315-363-9191

Rob Savoy • 315-337-2229

Kay Real Estate

Royal Realty

Assoc. Broker • kayhomes@dreamscape.com

Broker/Owner • info@royal1realty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Waterville

Licensed Mortgage Banker NYS Banking Dept

Whitestown

$127,000

141 Osborne

$85,000 5122 Westmoreland Road

3 Bedrooms / 2.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42100

For more details visit www.LifeandHomes.com Type in Quick Search #41935

Douglas Lemery • 315-841-8834

Amy La Clair • 315-790-4153

Lemery Realty

New Nest Realty

Lic. R. E. Salesperson • lemeryrealty@frontiernet.net

Lic. R. E. Broker • info@newnestrealty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Central New York

$114,900

6 North Sconondoa St

Kay Real Estate

Licensed Mortgage Banker NYS Banking Dept

8086 Seneca Tpke Clinton, NY 13323 info@lewisseamlessgutter.com

315-732-9577

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L i f e and H o m e s

$139,900

5191 Old Oneida Rd

Dick Stanton Real Estate

Services Include: - kitchen-bathroom remodels - trim work and painting - flooring - windows and doors - seamless gutters and covers

No Job Too Small!

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$129,900

6 Black Ave East

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

hardwood flooring • stair parts • molding

We Stock

KILN DRIED cherry, walnut, maple, butternut, ash, oak, exotics and woodworking supplies Visit our website anytime www.lakeshorehardwoods.com

266 Manwaring Road, Pulaski, NY 13142 • 315-298-6407

Commercial Storefront For Rent N. James St., Rome Corner Lot 750 sq. ft.

$800

N. James St., Rome

1,000 sq. ft.

Shelving, Registers, Counters: Turnkey

$700

Patty (315) 337-6406 M-F 9 to 5

2400 Sunset Ave Utica, NY 13502

(P) 797.2400

Alex Sen Broker

Ed Kasperovich Sales Agent

Mark Enjem Sales Agent

(C) 725.7167

(C) 534.3484

(C) 292.3200

“True Service with Savings” e om H eD UR T A Fe

e om H eD UR T A Fe

New Hartford

$959,900

2A King Fisher Lane Truly a masterpiece built with the finest materials and impeccable craftsmanship. Extremely energy efficient. Unlike any other home of its kind, a must see! MLS#1002360 ALEX SEN

Marcy

$189,000

6047 Cavanaugh Rd Nice floor plan on this newer home, super clean and efficient. 1st floor master with full bath, plenty of closets, bonus room over a large finished garage, lenox fully modilating high efficiency furnace with central air and whole house air purification and humidifier system. A must see!

MLS#1001896 ALEX SEN

10 Clyne Place, Whitesboro

1128 Ontario St, Utica

5 Russet Bush Lane, Utica

$54,900

$89,000

$259,000

Hardwood Floors, move in ready!

A super spacious, private contemporary.

MLS#1001476 EDVARD KASPEROVICH

Great single story home, lge lot, newer kit, detached 2 car garage.

MLS#1002809 ALEX SEN

811 Watson Place, Utica

134 Lynch Ave, Utica

4 McBride, Clinton

$59,900

$89,500

$119,000

Well kept South-West Utica home, great yard, hardwoods.

MLS#10012323 ALEX SEN

Move-in ready, pristine home. Many updates, shows well.

MLS#1002829 ALEX SEN

A decent 2 family in the village of Clinton.

1575 West St, Utica

2216 Caroline St, Yorkville

403 Palmer St, Frankfort

$60,000

$125,900

$98,900

A great home! Many updates

A great brick cape! Many updates.

Spacious 3 unit in Frankfort.

Great income property.

MLS#1001135 EDVARD KASPEROVICH

MLS#912212 EDVARD KASPEROVICH

MLS#1002852 EDVARD KASPEROVICH

1223 South St, Utica

2400 Sunset St, Utica

1007 Belle Ave, Utica

$84,900

$189,900

$119,900

Renovated interior, new kitchen, bonus kitchen on the second floor, oversized two-car garage.

MLS#913407 EDVARD KASPEROVICH

One of a kind home in private setting. Inground pool, patio, private yard, cherry kitchen.

MLS#912024 ALEX SEN

Nice 3 Unit. Many Updates.

MLS#913167 ALEX SEN

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L i f e and H o m e s

MLS#1002295 EDVARD KASPEROVICH www.Life and Homes .com

October

MLS#1001896 ALEX SEN

#1 Selling Coldwell Banker in the Mohawk Valley 2306 Genesee Street, Utica, New York

Visit www.CentralNewYork.com for the best local searches!

L i f e and H o m e s

â–

Central New York

FAITH PROPERTIES

30

735-2222

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

Sandra Walser

Cindy Lazzaro

JC Pantola

Audrey Johnson

Jenny Carabin

Barb Roberts

Jim Lenahan

Ben Tringo

Bitsy Maye-Rattler Bozena Sroczyk

Susan Martorell

John Brown

Patti Palumbo

Cindy Major

Judy Hinman

Cliff Ganey

Deborah Hapanowicz

Keith Schuderer

Bert McCumber

Derby Family

Kelli Inserra

Diane Lockwood

Linda Peters

Henri Abiyaghi

Lori Hamlin

Ismail Yildirim

Lori Scalise

Jay Groah

Michelle Faga

Marcia Archibald Pauline Nicoterra

Veronica Coe

Rick Rodio

Susan Bradley

Rosemarie Costello Brandon Borowiec

October â–

www.Life and Homes .com

31

L i f e and H o m e s

735-8515

Campion-Weeks New Hartford

$995,000

Landmark, one of a kind estate with 8 bedrms, 7 full & 3 half baths. Artist rm, library, FR, DR, 3 acres.

MLS#101442 www.Campionweeks.com 735-8515

141 Genesee St., New Hartford www.campionweeks.com Voted Top Residential Real Estate Company

Brantingham Lake

$289,900

Waterfront, Year around home on the lake. Great views, 2 bedrms, many updates. 1 bedrm guest cottage. 2 car garage.

MLS#913245 www.Campionweeks.com 735-8515

Canastota

$239,900

Beautiful 5 bedrm, 3.5 bath log home on 5 acres. DR, FR, apporox 2500 s/f. 2 car garage.

Very private setting.

MLS#1002309 www.Campionweeks.com 735-8515

New Hartford

Azza Diorgi

Mark Canter

Susan Alberico

Caroline Marino

Sam Vedete

Vera Sadallah

Adeline Griffiths

Alice Donnelly

$259,900

Gracious 4/5 BD split level on quiet cul-de-sac.

FR, DR, 2 full & 2 half baths, 2 car garage. Woodmode kitchen. Newer baths.

MLS#1002641 www.Campionweeks.com 735-8515

Anne Hameline Anthony Desarro

Brett Lojewski Carla Dochterman

New Hartford

$239,900

Spacious 4 bedrm, 2.5 bath colonial in super neighborhood. FR, DR, finished basement. 2 car attached garage.

MLS#1002853 www.Campionweeks.com 735-8515

Frankfort

$189,900

Large country ranch w/ 3 bedrooms, 2 baths on 2.5 acres. DR, oversize 2 car garage.

Sauquoit schools.

MLS#1001720 www.Campionweeks.com 735-8515

North Utica

$109,900

Central New York

Immaculate 3 bd, 1.5 bath home with Pottery Barn decor. Updated kitchen & baths, den, 2 car garage.

MLS#1002906 www.Campionweeks.com 735-8515

East Utica

$119,900

$279,900

Exceptional, 5 yr old 4 bd, 2.5 bath colonial.

Stunning kitchen, DR, FR, office. Large deck, double garage.

MLS#1003256 www.Campionweeks.com 735-8515

Whitestown

$189,900

Spacious, 2700 s/f 3 bedrm ranch. 2.2 acres, 1.5 baths, bonus rms, FR, DR, 3 stall 25 x 50 garage.

MLS#1002202 www.Campionweeks.com

New York Mills

735-8515

$129,900

Immaculate, 1 owner 3 bd ranch. Sunroom, attached garage. Newer carpets, HW floors, full basement. Freshly painted interior.

MLS#1003060 www.Campionweeks.com

Rome

735-8515

$134,900

Beautifully remodeled 3 bedrm, 2 bath home.

Gleaming HW floors. Master BR, new furnace, electric, windows, siding & plumbing. DR, den.

MLS#1002144 www.Campionweeks.com 735-8515

Deerfield

$159,900

Attractive & spacious 3 bd, 1.5 bath ranch.

Large kitchen w/ dining area, patio, att. 2 car garage. Lower level FR, & workshop.

MLS#1003067 www.Campionweeks.com 735-8515

Whitesboro

$159,900

Gorgeous village home. 3 bds, 1.5 baths, FR, DA. Totally redone. Pool, large 2 car garage w/ party rm & hot tub above.

MLS#1002608 www.Campionweeks.com 735-8515

East Utica

$119,900

Vinyl sided 3 bedrm, 1.5 bath cape in popular area. Enclosed patio, DR. Needs a little TLC. Attached garage.

MLS#100409 www.Campionweeks.com 735-8515

South Utica

$88,000

South Utica

$169,900

Charming stone French Normandy colonial. 4+ bedrooms, eat-in kitchen, DR w/ leaded glass windows. 3.5 baths, 2 car attached garage.

MLS#911533 www.Campionweeks.com 735-8515

Yorkville

$109,300

Immaculate 3 bedrm cape. DR, eat-in kitchen, garage. Many updates. Home Warranty.

MLS#1001424 www.Campionweeks.com

Whitesboro

Dave Malozzi

Kim Johnson

Linda Cavalier

Linda Kuzniar

Luis Montero

Marilyn Valvo

MaryBeth Roberts Michael Grassi

735-8515

$84,900

Nice 2 story with newer roof & furnace. Formal DR, 1st floor laundry. Fenced yard.

Spacious, vinyl sided 3 bedrm ranch. Sunroom, lge kitchen., oversized garage. Many updates.

MLS#1001143 www.Campionweeks.com

MLS#1001730 www.Campionweeks.com

735-8515

Carole Owen

$197,500

Fabulous 1900 s/f ranch with patio overlooking golf course. 3 bds, 3 baths, FR, DR, attached garage.

MLS#1002966 www.Campionweeks.com 735-8515

Ilion

Carol Chiarello

735-8515

Pat LoGuidice

Paul Durrigan

Rosemary Nicotera

Ruth Fanelli

Sabrina Arcuri

Tom Conte

Tom Mazzotta

Wade Evans

Jerry Orsaeo

Jonathan Smoulcey

L i f e and H o m e s

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Fabulous 2 bedroom (could be 3) cape.

Updated kitchen, DR, FR, enclosed sunroom.

Attached garage. Great yard.

MLS#1002091 www.Campionweeks.com 735-8515

Whitesboro

Floyd

$79,500

Country home on 1 acre. 4 bds, large kitchen, FR, small stream on property. Freshly painted interior. Holland Patent schools.

MLS#1003035 www.Campionweeks.com 735-8515

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West Utica

$69,900

Well maintained 3 bedroom, 1.5 bath home. Large kitchen, DR, Home Warranty.

MLS#1002035 www.Campionweeks.com

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

735-8515

East Utica

$64,900

Nice 2 family for live-in or investment. 6 rms and bath on each floor. Newer windows, updated kitchen and baths.

MLS#1002145 www.Campionweeks.com 735-8515

Yorkville

$197,500

Fabulous 1900 s/f ranch with patio overlooking golf course. 3 bds, 3 baths, FR, DR, attached garage.

MLS#1002966 www.Campionweeks.com

735-8515

Sweet Satisfactions Were two cousins who grew up with a family that loves food.

We love to bake and create delicious designs that put a smile on your face.

Have a special occasion, party or wedding coming up?

Give us a call...

Life is Delicious Steph & Rach

www.SweetSatisfactions.com

StephanieLisi - 315-941-2533 RachelLange - 315-525-2994

Featured Home

Rome

Route 69

$144,000

2 Bedrooms (3rd & 4th unfinished upstairs) / 2 Baths • Full Cellar • 1920 square feet • Attached 2 Stall Garage • Forced Air Oil Brand New • 2.5 Acres • 200 feet road frontage

Superior Homes October

of Central New York, Inc

4850 Route 69, Rome, NY 13440

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www.Life and Homes .com

33

L i f e and H o m e s

For more information call 315-336-3911 or 315-336-3031

Central New York â–

L i f e and H o m e s

34

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

Fall Yard Cleanup

by: Ellen Ball

It’s that time of year when we begin cleaning up our yards and preparing for the upcoming winter. The areas that most commonly need attention are trees and shrubs, the lawn, and vegetable or flower gardens.

Trees and shrubs often need to be trimmed back in the fall, though this will vary, depending on the type of plant. If you’re unsure when to trim your trees or bushes, consult a gardening book or online resource. If your trees are taller than 10 or 15 feet, it’s best not to take the risk of doing the job yourself. Look for a qualified arborist who can do the work for you, and be sure to check out some references before hiring anyone to do the work.

This can also be a good time to remove any old or dying trees, as well.

Rake up all the fallen leaves and any other debris from your lawn. There are many types of leaf bagging devices on the market today that can make this job easier, such as leaf bag holders or special tarps designed to collect leaves and other debris while you are raking. Once all the leaves are removed, it’s important to do one final mowing at the end of the year. A fall lawn application is also a good idea. Visit your local garden center or nursery for a recommendation of what type of product to use.

The last area that will require some fall attention is your garden and planting areas. Your work here will vary depending on what types of plants you’re working with. In the case of annuals, especially annual vegetable plants, it’s best to remove the plants entirely at the end of the growing season. Some vegetables like tomatoes and potatoes, if left to rot in the cool fall weather, can transmit fungal diseases into the soil. Once annual plants are removed, now is a good time to till the soil and add any fertilizers such as organic matter or other soil amendments. Finish the area off by adding a thick layer of mulch.

If the planting area in question is full of perennial plants, it’s best to leave the plants alone and let them die back naturally during the winter months. plant, too.

by a yard, lawn, and garden that will look better than ever next spring.

For free shipping on all lawn cleanup products, visit Home Products ‘N’ More at www.homeproductsnmore.com.

www.Life and Homes .com

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L i f e and H o m e s

difficult. With the basic steps we’ve outlined above, you will be rewarded

■

Fall yard cleanup does require some work on your part, but nothing too

October

It is a good idea to apply a thick layer of mulch around the base of each

Central New York â–

L i f e and H o m e s

36

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

mortgageCorner

Can My Loan Modification Request Be Denied If I Don’t Make Enough Money?

A loan modification allows a borrower to make lower monthly mortgage payments by agreeing to a modification of original loan terms. The idea of a loan modification is to allow homeowners struggling to make their payments every month an opportunity to catch up on their loan and recover from their hardship.

Since a loan modification is typically used to help homeowners who don’t make enough money to cover their mortgage payments every month, many wonder why can you get turned down for a loan modification if you don’t make enough money. The answer to the question is simple: because the lender only modifies loans when they think they can still make a profit.

Lenders are only willing to modify a loan so far and are only willing to lower a monthly payment by so much. If the borrower doesn’t make enough money to make monthly payments at the lowest amount the lender is willing to modify to, then in most cases the borrower is just plain out of luck. If the borrower can’t satisfy the requirements to make a lower monthly payment, the lender sees no point in modifying a loan when foreclosure remains a very real possibility for the borrower.

client. This will allow the borrower to cut down on the amount of time that is wasted waiting for a decision that is likely to be negative.

A borrower’s best bet would be to hire an experienced foreclosure attorney who can review a person’s entire financial history and current financial standing in order to gain an accurate estimate of a person’s likelihood for modification approval. Even though the borrower may be more than deserving of a modification, the attorney could provide a unique third person perspective and offer insight based on their experience with certain lenders. If the attorney feels that the borrower would have a hard time gaining a loan modification from their lender, the attorney could immediately consider alternatives to loan modification that may better suit their

Even though a lender may not be likely to modify a loan if the borrower makes too much money, the attorney may still be able to convince the lender that a modification would be in the best interest of both parties through negotiation.

This type of negotiation is delicate in that certain pieces of evidence and information will have to be submitted to the lender for review. If the borrower attempts to act as their own negotiator, they may leave out a vital piece of information and ruin their chances for a modification at all.

(Source: ArticelBlast)

Author Timothy McFarlin is a real estate and foreclosure attorney in Irvine, CA. For more information about Loan Modification visit McFarlinlaw.com/blog

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What does all this mean to the borrower? It means that if they make too little money they lower their chances of being approved for a modification because the lender doesn’t think that the borrower will be able to keep up with payments no matter how the loan is modified.

It also means that if the borrower makes too much money they can also be denied a modification on the grounds that they should have no trouble making payments. Unfortunately for many borrowers, there is no scale or grid that lenders make public that explains the amount a borrower

must make in relation to the amount of their monthly payments in order to be approved for a loan modification.

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