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Frightful Outside,

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2010

No Exchanges No Returns

Life and

Homes

No need to shop for me, thank you very much. My Christmas presents came early this year. Two grandsons! Parker David Lange made his appearance on October 25th and Night David DeMarché joined the family on November 26th. I love these little guys. Aren’t they cute little buggers?

What more could a man wish for?

Which makes me wonder what you’re wishing for this year. Tools, clothes, iPad, flat screen, vacation tickets, new car? After a year like this one, I suspect many readers may be wishing for “practical” things like enough money to pay the bills, a job, or enough food for the family. I’m honored to sit on the board of the local Rescue Mission where there’s no shortage of folks hoping for clean clothes, a meal or a warm place to sleep. So much to think about…

Oneida County NY, Edition

Published By LISI MERCHANT SOLUTIONS, INC. Publication Franchisee, RMC David P. L isi Corporate Editor Kim L isi Kim@dslisi.com

Night, David, Parker

David P. Lisi, RMC One thing I’ve observed throughout the year. It doesn’t matter whether I’m Real Estate Marketing Consultant sitting in the office of a company president or exchanging conversation 315-865-5845 • David@dslisi.com around a table at the Mission dining room - when it comes down to it, we’re all the same with our wish lists and dreams, good days and not-so-good days. Unlike ill-fitting shirts and too-tight jeans, our days, weeks and years don’t come with a refund or return policy. We each have 24 hours in a day and 365 days in a year.

There isn’t enough cash in the world to buy happiness, peace, or even one more day. We have to purpose to make the most with what we have.

I guess I have a few more wishes after all. I wish that wherever life finds you today, you’d count your blessings. I hope you’ll use whatever you have, little or much, to make a difference for someone less fortunate than you. And most important, I pray you’ll live life to it’s fullest and leave a positive legacy for the generations behind you. Because we each have one life.

No exchanges. No returns.

Merry Christmas and Happy New Year to all!

i David P. Lis

Premier Mortgage Sponsors

How to Reach Us Press Releases or Letters to the Editor Our e-mail address is Kim@LifeandHomes.com (Please do not send attachments)

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

Account Executive DAVID P. LISI 315-865-5845 david@dslisi.com

Premier Mortgage Sponsor Salesperson D avid P. Lisi 865-5845 Regional/National Account Executive: Rob Thrasher 315-941-3452

rob.thrasher@gmail.com

Distribution 315-865-7418

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

315-865-5845 Fax 1-315-865-7418 www.LifeandHomes.com For franchise information call, 315-865-5845 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.

Find, Fix & Forget

Simple Weatherization Tips The weather outside may be frightful, but inside, many homeowners can still enjoy the comfort and coziness of warmth ... if they don't have to worry about cold air drafts and leaks causing the temperature inside to plummet like the climate outside.

Luckily, for many homeowners, problem areas where cold air is sneaking in - and warm air may be escaping - can easily be found, fixed and then forgotten. According to the U.S. Department of Energy), the annual energy bill for a typical single family home is about $2,200. By properly sealing and insulating your home, you can save up to 10 percent on home energy costs. And, you don't need permanent, expensive draft-blocking solutions, such as installing new windows, adding more insulation or replacing old doors with insulated versions, to stay warm and reap the financial rewards.

For leaks under doors and windows, look for a solution that will "hug" the bottom to create an airtight barrier. The Double Draft Seal from Duck brand offers two layers of protection from drafts, sealing underneath doors and windows from both sides, for maximum energy efficiency and thermal protection.

For more information and tips to winterize your home, visit DuckBrand.com/HomeSmart.

Swipe Less

1. The holiday shopping season can be an ideal time to maximize rewards program benefits.

2. Using a credit card at least a few times per year can help keep your credit score in good standing.

3. Purchase protection or extended warranty can provide you with peace of mind on expensive purchases.

4. Debit cards can provide the best of both worlds, with some offering credit card-style rewards programs and the built-in spending limits of cash. (ARA)

Thinking About a

Payday Loan?

A payday loan, which is illegal in many states, is a short term loan of usually $100$500. The interest rates are very high, sometimes 400% or more. Typically. a borrower provides the lender authorization to take the loan amount and fees out of his/her checking account in a week or two, when the borrower is next paid. If the loan is not paid back at the end of the term, the loan is renewed and the consumer is charged more fees and interest. Under the federal Truth in Lending Act, the cost of payday loans must be disclosed in writing.

The total amount financed and the annual percentage rate must be provided in writing before the loan is made.

There are several alternatives to payday loans. Seek a loan from a licensed lender that makes small, unsecured loans. Obtain a loan from a credit union. Get a cash advance from your credit card. Make a pawn loan using a nonessential item as collateral.

Speak with your creditors to see if they can

The prospect of buying a home can seem overwhelming for many who may not be aware of how to begin the process of shopping for a home or even a mortgage. To help consumers navigate this process, the U.S. Department of Housing and Urban Development (HUD) and the National Association of Realtors® (NAR) unveiled three how-to videos to help prospective homeowners: Shopping for Your Home - instructs viewers on assessing how much of a home you can afford, working with a real estate agent and what happens once you find the home you want to buy.

Shopping for Your Loan - helps consumers use the good faith estimate to shop for the best loan, to determine how long an interest rate is available for a particular loan and how to identify key loan terms and costs of a particular loan offer.

Closing the Deal- walks consumers through the actual closing process including how to make sure the loan they were offered closely matches what they encounter at the settlement table. The videos are accessible from both HUD and NAR’s websites as well as from www.youtube.com/HUDchannel. (Realestaterama)

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Don’t miss that Special Home you’ve been looking for.

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L i f e and H o m e s

However, two in five consumers still plan to use their credit card this year. "While it's good to see people are relying less on credit for holiday

Here are four excuses to pull out your plastic this holiday season:

How-To Videos Help Perspective Homebuyers

■

In the aftermath of the Great Recession, one good money habit seems to be sticking around: swiping plastic less. In fact, a recent survey by USAA found more than half of the shoppers don't plan to use a credit card at all this holiday shopping season.

shopping, using a credit card is not always a financial faux pas," says Joseph Montanaro, financial planner for USAA. "But, you have to use them wisely, rather than as a crutch to spend more than you can afford."

provide better payment terms. Seek help from a not-for-profit, licensed credit counseling service. Visit nyconsumer.gov for additional resources and information.

December

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newsShorts

newsShorts

Understanding

Roth IRA Conversions Everyone looks for ways to save money, and to make their money work harder - and longer.

With pensions disappearing and reductions in employer match programs, it is important for Americans to consider financial planning tools that address long-term retirement and tax situations.

One such tool is the Roth IRA. “Starting this year, Americans can, for the first time, convert a regular IRA to a Roth IRA regardless of income level. For many, it is an opportunity to invest money in one of these tax-advantaged retirement savings accounts,” explains Robert Fishbein, vice president and corporate counsel for Prudential Financial. Remember that you do

need to hold the Roth for five years to qualify for tax free treatment, Fishbein says, and if you need to access the funds before those five years and you are not age 59 1/2 or older, then a penalty tax may apply on amounts withdrawn.

Of course, a financial planner is best suited to guide you with decisions regarding your own personal circumstances. (ARA)

Taxpayer Tips If you owe back taxes and are having trouble meeting your tax obligation: • Read your notices from the IRS. Ask about collection alternatives. Contact the Taxpayer

FREE

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Blackberry

MUSIC Alicia Keys Billy Joel Fleetwood Mac James Taylor The Beatles Mariah Carey Amy Grant Bon Jovi Aerosmith Carie Underwood and more of your favorites

Central New York

& TALK

• Save yourself some aggravation and ignore promises from companies that say you are “qualified” or “eligible” for a tax relief program to resolve your tax debt. Only the IRS can make that determination.

The FTC has free materials about dealing with debt and other money management issues at www.ftc.gov/moneymatters. To file a complaint or get free information on consumer issues, visit www.ftc.gov or call, toll-free, 1-877-FTCHELP (1-877-382-4357); TTY: 1-866-653-4261.

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• Home Business Show - Successful entrepreneurs working from home • Home improvements Show - Design and technology that enhances our lives • Home Buying and Selling Show - Tip and tricks for a difficult real estate market • Lifestyles at Home - Birthdays, Holidays and Special Events

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iPhone

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Advocate Service, an independent organization within the IRS that provides free help to people who are experiencing financial difficulties or who need help resolving a problem with the IRS. Call 1-877-777-4778 or visit www.irs. gov/advocate.

Radio & Talk 4

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 .

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Richard Parent Licensed Sales Associate 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

$598,000 Russia

$269,900 Columbia

$259,900

$249,900 Bridgewater

$199,900 Russia

$199,000 Edmeston

$149,900

$89,900 Norway

$89,900

$649,900 Thendara

$450,000

• Tailored to meet your exact needs!

Contact me or visit my website for Exciting Details!

Sauquoit

$250,000 Barneveld

2446 Timian Road - Approx 35 Acres w/ incredible hillside views! 2,152 sq/ft farmhouse, riding trails, horse paddocks, outbuildings, 3 barns, additional acreage available.

$249,900 Bridgewater

7357 Trenton Road - 2 homes for the price of one! Stunning updated Victorian offers a gorgeous kitchen, additional 2 family home, just off Putnam Rd.

2449 Route 8 - Horse & snowmobile riders’ alert! 56 gorgeous acres & hilltop views, 10 stall horse barn, fenced riding areas, 4,200 sq/ft newly constructed home.

3091 Schibley Road - 260 acres of seclusion!

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

540 Doe Rd - Custom 2,900 sq/ft log home, large kitchen w/ center island, upgraded appliances, dramatic vaulted LR, cozy loft, 2 fireplaces, media room & more!

5107 Military Road - Astonishing 2,516 sq/ ft colonial offers surprises throughout, lavish gardens, in ground pool, post card setting!

5089 Military Road - 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.

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

51 Burdick Ave - Stunning kitchen w/ upgraded appliances, Mint 3 BR ranch on 3 + acres, meticulously finished lower level offers 2 cozy family rooms & more!

ET RK

ON CK BA

Waterville

$139,900 West Winfield

7658 Route 20 - Newer built mint ranch!

Oak kitchen, efficient heating, garage, work shop, convenient 1 acre rural setting!

$139,900 Russia

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

MA

$112,500 Little Falls

5100 Military Road - 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.

$102,900 New Hartford

103 Cramer Rd -Warm & cozy nights await in this old world charm 4 BR country homestead.

Original woodwork, hardwood floors elegant DR, views, separate FR & LR, oak kitchen & more!

3532 Oneida Street - Looking for key updates?…stop here! gorgeous kitchen, sun room, new floors, formal dining, private yard, pride of ownership, stunning gardens.

1440 Newport Gray Road - Spectacular view on 30 acres!“As Is”ranch, large 2 level 275’ dairy barn, great property to enjoy all seasons & recreation activities, near Adirondacks.

Commercial Properties

Rome

$85,000 Clark Mills

6629 Seville Drive - Strong curb appeal in this adorable ranch! Updated windows, floors, furnace, siding, roof, Spacious kitchen, open floor plan, private yard, close to park.

$82,500 Herkimer

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

2 Family 25 Acre Premier Lot 7 City Lots 3 Family 6 Acre Parcels 19 Acre Lot 3 Bedroom Village Home 6.7 Acres

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.

Eagle Bay

$350,000 Rome

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

$179,900 Rome

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

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5

L i f e and H o m e s

Clementian Road, East Utica Timian Road, Sauquoit South Street, East Utica South Street, East Utica Bray Road, Sauquoit Fiery Hill Road, Little Falls Monroe Street, Little Falls Furman Mills Rd, Brookfield

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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• $87,000 • $75,000 • $65,000 • $50,000 • $38,000 • $34,900 • $27,000 • $19,900

Rome

December

Other Investment/Land Opportunities

$79,900

223 Dewey Ave - Tastefully updated 2 story, Rome $699,000 gorgeous new maple kitchen & stunning bath, formal dining, new windows, updated Prime commercial property located adjacent to Lowe’s Home Improvement, electric & lighting, convenient area. high traffic area, corner location with strong visibility, many possibilities.

BRANTINGHAM LAKE

Floyd

BRIDGEWATER

FORESTPORT

5219 Lily Pond Rd. - Year-round waterfront, 4 bdrms., 2 baths, 2,000 sq. ft., hardwoods, deck. $339,900

9630 US Rt 20 S - Three unit! Great income potential. $44,900

CANASTOTA

6952 Forbes Rd. - 3 bdrm., 4-years-young Contemporary, 2 1/2 baths, 2,200+ sq. ft., 1+ acre, fireplace, hardwoods. $315,000 7345 Willow Acres Rd-JUST LISTeD 4 bdrms, 2 baths, 2300 sq. ft, many updates. $147,900

CHADWICKS

3281 Oneida St. - 3 bdrms., 1 1/2 baths, 1,500+ sq. ft., hardwoods, Sauquoit Schools. $129,900

8158 River Rd. - 4 bdrms., 2 1/2 baths, 2,300+ sq. ft., Oriskany Schools. $124,900 7733 Starlane Dr. N- JUST LISTeD - 4 bdrms, 1600 sq. ft, new roof, furnace and deck. $112,900

11821 Woodhull Rd. - Fully established commercial property. 5,000+ sq. ft., 5+ acres. Retail store, plenty of parking, lodging and a leased barn. $319,000

FRANKFORT

107 Sunflower Circle - 3 bdrm., 7-year-old Colonial, 2 1/2 baths, 2,000 sq. ft., fireplace. PRICe ReDUCeD $239,900

HERKIMER

CLINTON

901 Westwood Dr. - 4 bdrms., 2 1/2 baths, 2,900+ sq. ft., open floor plan, newer roof, windows and siding. $194,900 120 Church St. - 2 bdrms., 1,400+ sq. ft. $42,900

EAST UTICA

ILION

Burmaster Rd. - 63 acres. $235,000 1 Elliott Pl. - 4 bdrms., updated 2 1/2 baths, 1,700+ sq. ft., fireplace, newer windows. $194,900 HINCKLEY LAKE Cleary Rd. - 57+ acres. $185,000 224 MacArthur Rd. - Waterfront! 4 bdrms., 2 baths, 2,000 sq. ft., open floor plan, fireplace, 19 315 Stafford Circle N. - 3 bdrm., 2-year-old Ranch, 2 baths, central air, deck. $174,900 acres. $269,900

L i f e and H o m e s

â–

Central New York

28 Nob Rd. - 3 bdrm. Ranch, 1 1/2 baths, newer kitchen, deck, newer windows and siding. $169,900 711 James St. - PRICe ReDUCeD - 3 bdrms., 2 baths, newer windows and furnace. $89,900 1706 Oneida St. - 4 bdrms., 1,600+ sq. ft., fireplace, hardwoods. $69,900 749 Rutger St. - Two units! Great income potential. $67,000 123 Thomas St. - PRICe ReDUCeD - Two family. Separate utilities. $39,900 518-520 Nichols St. - Three Unit! Updated baths. $49,900 1618 Dudley Ave. - PRICe ReDUCeD - 3 bdrm. flats, great income. $34,900 624 Blandina St - Two Family! Separate Utilities. $64,000

6

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 .

90 John St. - 3 bdrms., 2 1/2 baths, 2,800+ sq. ft., fireplace, hardwoods, updated kitchen. $99,900 53 W. River St. - 3 bdrms., updated kitchen, hardwoods, deck. $75,000 263 E. Clark St. - 3 bdrms., updated kitchen, hardwoods, newer windows. $54,900

LEE

8609 Turin Rd. - 3 bdrm. ranch. $84,900

LITTLE FALLS

57 Woodside Ave. - 4 bdrms., 1 full, 2 half baths, formal dining room, corner lot. $94,900

MARCY

5478 Woodlawn Pl. - PRICe ReDUCeD - 3 bdrms., central air, hardwoods, updated kitchen, newer windows and furnace. $89,900

NEW HARTFORD

112 Danberry Circle - 3 bdrms., 3 1/2 baths, fireplaces, cathedral ceilings, “3” car garage. $449,900 Jewel Ridge Estates - neW COnSTRUCTIOn - new hartford’s newest development offering sweeping views, easy access, and top-notch construction! 4 bedroom home plans starting at $279,900 7 Christopher Circle - 3 bdrms., 2 1/2 baths, 2,100+ sq. ft., fireplace, hardwoods, updated kitchen and baths. $199,900 38 Janet Terrace - 4 bdrms., 3 baths, 2,700 sq. ft., flexible floor plan, newer furnace and windows. $199,000 2 Twyndom Terrace - 5 bdrm. ranch, 2 1/2 baths, 2,100+ sq. ft., fireplace, newer roof and windows. $179,900 98 New Hartford St. - 3 bdrm. ranch, 2 baths, 1,800 sq. ft., fireplace, new kitchen. $154,900 33 Paris Rd. - Two family! Great income potential. $133,500 10 Bohling Rd. - Village ranch! 3 bdrms., 2 baths, family room, hardwoods, fenced yard. $119,900 Bogner Brae - 17 prime acres. Ideal for subdivision. $109,900 128 Clinton Rd. - 3 bdrm. Ranch, 1 1/2 baths, hardwoods, deck, deep lot. $104,900 1 Larchmont Dr. - 3 bdrm. ranch. Family room, newer furnace. $94,900

SAUQUOIT

9235 Paris Hill Rd. - 3 bdrm., 2 bath, 5-years-young Contemporary, 3,300+ sq. ft., 14+ acres. $379,900 3088 Oneida St. - 3 bdrms., 1,900+ sq. ft., 1 acre, updated kitchen, new roof and windows. $164,900 8330 Pleasant View Dr. - 3 bdrm. Ranch, new kitchen and bath, double lot. $112,000

SCHUYLER

Johnson Road - PRICe ReDUCeD - Private 9+ acres. Frankfort-Schuyler schools. $16,000

SHERRILL

417 Kinsley St. - PRICe ReDUCeD - 3 bdrms., 1 1/2 baths, hardwoods, deck. $78,900

SOUTH UTICA

2100 Genesee St. - Commercial opportunity. 2,700 sq. ft., renovated 1st floor, new windows. $179,900 2 Arlington Terrace - 3 bdrm. Ranch, 2 baths, hardwoods, finished basement. $114,900 827 Rose Pl. - 2 family! Separate utilities. $79,900

SYLVAN BEACH

9096 Edward Ohara Ave. - 4 bdrms., 1,500 sq. ft., deck, lake rights. $87,000

NEWPORT

863 Honey Hill Rd. - 3 bdrm. log home, 1,200+ sq. ft., fireplace, 1+ acre. $149,900 3116 School St. - 4 bdrms., 2 baths, 2,500+ sq. ft., deck, newer windows. $79,900

NEW YORK MILLS

10 Chestnut St. - 3 bdrms., 2 baths, 1,700+ sq. ft., open floor plan, deck, new roof. $134,900 3-5 Wetmore St. - 3 unit. Many updates. $129,900

NORTH UTICA

617 Cosby Rd. - 3 bdrm. ranch, 2 baths, hardwoods, fireplace. $119,900 417 Elmhurst Rd. - 3 bdrm. Ranch, new roof, windows and siding. $89,900 159 Wilbur St. - 3 bdrms., hardwoods, cherry kitchen, corner lot. $72,900

ORISKANY

Rt. 69/Thomas Rd. - Subdivided 12+ acres. $95,000

REMSEN

6017 Military Rd. - 4 bdrms., 2 baths, 2,200 sq. ft., hardwoods, “3” car garage, Poland School District. $244,900 10579 Steuben St. - 4 bdrms., 1 1/2 baths, new kitchen and baths, hardwoods, newer windows, deck. $89,900

ROME

6343 Pillmore Dr. - 3 bdrm. ranch, 1,200 sq. ft., hardwoods. $84,900 429 E. Locust St. - 3 bdrm. ranch, updated furnace and roof. PRICe ReDUCeD $74,900 130 Victory Dr. - 3 BRs, 1,100+ sq. ft., hardwoods, newer furnace. $59,900 213 E. Whitesboro St. - 5 bdrms., 1 1/2 baths, 1st floor laundry, newer roof and furnace. $46,900

5600 E. Main St. - Prime commercial acreage! 2+ acres. Frontage on Rt. 365. $159,000 4908 Stooks Rd. - 3 bdrm. ranch, 1 1/2 baths, 1,600+ sq. ft., 2.5 acres. $129,900

WEST TURIN

3091 Schibley Rd. - 260 acres! Remodeled 5 bdrm., 4 baths, 3,600 sq. ft., vaulted ceilings, rolling meadows and ponds, incredible views. $550,000

WEST UTICA

1223 Butternut St. - 3 bdrms., formal dining, hardwoods, covered porch. $84,900

WHITESBORO

11 Hollywood Dr. - 4 bdrm. Ranch, 2 1/2 baths, 1,500 sq. ft., hardwoods. $154,000 1 Collins Ave. - 3 bdrms., 2,200+ sq. ft., hardwoods, updated kitchen, new furnace with 1 bdrm. in-law apt. $139,900

YORKVILLE

6 Trinity Ave. - PRICe ReDUCeD! 2 bdrms., hardwoods, formal dining. $64,900 2207 McBride Ave. - 2-unit, 3 bdrms. in each, great investment, new roof, furnace. $59,900 2205 McBride Ave. - 2-unit, 3 bdrms. in each, great investment, separate utilities. $64,900 2209 McBride Ave. - 2-unit, 3 bdrms. in each, separate utilities, great investment. $59,900 2211 McBride Ave. - 2-unit, 3 bdrms. in each, separate utilities, great investment. $59,900 2213 McBride Ave. - 2-unit, 3 bdrms. in each, new windows, great investment. $59,900

December

7988 Northwood Dr. - 4 bdrms., 3 baths, 2,000+ sq. ft., fireplace, deck, newer roof. $134,900

VERONA

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7

L i f e and H o m e s

LifeandHomes.com Ava

Open Market Listing Service™

$5,000

$69,900 7113 New Yorker Ave #6 Condo

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

2 Bedrooms / 1.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #42356

Phyllis Goworek • 315-335-2745

Penny Wuest • 315-264-8212

Oneida County - FSBO FSBO • 0@0.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Ava

$199,500

Clinton

$199,900

4 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42330

For more details visit www.LifeandHomes.com Type in Quick Search #41034

Kimberly A. Beckley • 315-334-1046

Barbara Frank • 315-853-4400

Licensed Mortgage Banker NYS Banking Dept

Barneveld

$219,900

Clinton Real Estate

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

$289,900

121 Mappa Ave-2 family

30 Fountain Street

6 Bedrooms / 3.0 Baths

2 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42359

For more details visit www.LifeandHomes.com Type in Quick Search #42295

Bob Lawless • 315-724-7474

Barbara Frank • 315-853-4400

Lawless Real Estate Broker/Owner • 0@0.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Blossvale

$116,900

Clinton Real Estate

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

$205,000

7833 Passer Road

69 Stebbins Drive

3 Bedrooms / 1.5 Baths

4 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42324

For more details visit www.LifeandHomes.com Type in Quick Search #41611

Tony Abone • 315-339-2222

Barbara Frank • 315-853-4400

RE/Max All Pro

Broker/Owner • proabone@cnymail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Canastota

$198,900

Clinton Real Estate

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

$189,900

125 Prospect

3579 Fountain Street

3 Bedrooms / 2.5 Baths

3 Bedrooms / 2.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #42293

Penny Wuest • 315-264-8212

Gaetano Belmonte • 315-768-1680

Hunt Real Estate ERA

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Central New York

Licensed Mortgage Banker NYS Banking Dept

3 Bedrooms / 2.0 Baths

Low Mortgage Rates • Homestead Financial 315-768-1980

Smith Inspection Services, llc Serving Central NY and the Mohawk Valley

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

■

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

Low Mortgage Rates • Homestead Financial 315-768-1980

3585 Ernst Road

Broker/Owner • KABBHG@AOL.COM

L i f e and H o m e s

Hunt Real Estate ERA

6556 Bankert Road

Clemens-Beckley Real Estate

35 Years Commercial Construction Experience 5 Years Home Inspection Experience PO Box 126, Sherrill, NY 13461

Call 315-363-8074 8

Canastota

9551 Mullen Hill Road

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 .

Kay Real Estate 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.

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

Coldwell Banker Prime Properties Realtor • Homes@GaetanoBelmonte.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Jennie Chapin Hunt Real Estate ERA

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: 315-761-5058 Email: jchapin1@twcny.rr.com Web: www.JennieChapin.com

Clinton

$599,500

Newly constructed grand home with 4 bedrooms, study with fireplace, deluxe kitchen, fine quality throughout.

Trenton

$219,500

Beautiful expanded cape on 6 acres bordering the Cincinnati Creek. Great room with fireplace and first floor master suite.

Marcy

$399,500

Newly constructed Energy Star home with fabulous floor plan.

Cherry kitchen with granite counter tops. Many fine upgrades.

Clinton

$189,900

Spacious ranch with hardwood floors, cathedral ceiling, built-in bookcases, gas fireplace in family room, new carpeting.

Westmoreland $239,000

Sauquoit

To be built! Fabulous 4 bedroom home with 2-story foyer, hardwoods, fireplace, cherry kitchen, master suite.

Choose your colors!

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

This 5 bedroom home features a first floor master suite, spacious kitchen, 2 story entry, gas fireplace, hardwood floors and more!

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

Clinton

Oriskany

New Hartford $149,000

New Hartford $127,500

Spacious ranch with 4 bedrooms and 2 full baths. Oversized family room with fireplace and beautiful screened porch.

Cape style home with 4 bedrooms, hardwood floors, newer kitchen cabinets and appliances, den addition and fenced yard.

Marcy

$279,900

$159,999

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

Little Falls

$239,000

$159,000

3 bedroom ranch on large private lot with mature trees. New driveway, great 3 seasons room. Eat-in kitchen with skylights.

$229,000

December ■

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9

L i f e and H o m e s

#1 Coldwell Banker in New York State

Little Falls

$348,500

Landmark limestone house and barn on 5 acres with gorgeous views. Tastefully restored, beautiful hardwood floors.

Gaetano Belmonte

Rome

Ext. 202

$189,900

Picturesque brick home has period style curb appeal. Large room sizes, wood burning fireplace, hardwood floors, 2 updated baths, Stainless appliances. Charming back yard, 3 car garage.

Laura Minard

Central New York

Utica

$154,500

Great property! Could easily be converted back to a single family. Owner on first floor / Tenant on second floor,$650 per month, leased thru 5/31/11.

Gloria Rocci Ext. 217

$279,900

Utica

$189,900

Colonial Square intergenerational community, offering twin and single family homes starting under $200,000. Reduced property taxes. Newest model is open.

Laura Minard Ext. 205

Edmeston

$149,900

Stunning kitchen w/upgraded appliances, Mint 3 BR ranch on 3 + acres, meticulously finished lower level offers 2 cozy family rooms & more.

Richard Parent Ext. 203

Ilion

$259,900

Fantastic colonial on 18 rural acres, offers 4 Br’s, 2.5 baths, open kitchen, spacious living room, vaulted entrance & more! 6 stall horse barn.

Richard Parent Ext. 203

New Hartford

$169,500

Updated spacious Colonial w/large rooms and almost a 1/2 acre of property.

New stucco exterior, roof, patio, porch, & insulated windows. Call for more details.

Scott Kelley Ext. 242

Rome

$144,900

Beautiful townhouse in move-in condition, 2 bedroom, 2 bath home featuring flexible floorplan, cathedral ceilings and plenty of storage.

Gaetano Belmonte Ext. 202

Clinton

$239,000

Come home for Christmas. This is an Awesome buy. Only 11 yrs. young, 3 B/R’s, 2.5 baths,over 2,100 SF with a magnificent view.

Kathy White Ext. 215

Clinton

$159,999

Historic village home within walking distance to the Village Green, shopping and schools. Large private yard.

Gaetano Belmonte

Western

Ext. 202

$137,500

It’s Christmas! Warm up the holiday’s with this cozy Cape. Over 2 acres. Newer 2 stall two story gar, plus 1 stall gar., tons of updates, 2/3 B/R’s, Fireplace in D/R. Kathy White Ext. 215

Bridgewater

Deerfield 5770 Walker Rd

Whitesboro

Whitesboro

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 .

$129,900

Wrap this up for Christmas! Over 1,500 Square Feet beautifully maintained and updated. Move in condition 3 B/R Ranch Fireplace and more.

Kathy White Ext. 215

4957 Commercial Drive Yorkville NY

Call 768.1680 10

$158,900

Nice split level in a great neighborhood. 4 bedrooms and 2 full baths, spacious living room with fireplace.

Hardwoods under carpets.

Diana Raymond Ext. 207

$349,000

Stunning 4 bedroom 2.5 bath home located on 10 acres of prime real estate. Tour this home at: www.5770WalkerRoad.com.

Call Gloria at 868-8686.

Gloria Rocci Ext. 217

$199,900

Custom 2,900 sq/ft log home, dramatic vaulted LR, cozy loft, 2 fireplaces, media room, private deck & hot tub, 5 acre wooded lot on private road.

Richard Parent Ext. 203

Featured Home

■

L i f e and H o m e s

Ext. 205

Marcy

Buckland Estates - 3 BR/2BA ranch at $279,900 and 4 BR/2.5 bath bedrooms, 2.5 baths priced at $269,900, call for floorplans and location.

Laura Minard Ext. 205

North Utica

$129,000

3 BR ranch on corner lot. Freshly painted interior, updated bath, new carpeting.

Newer 96% efficient furnace/CA, Roof ‘07, front porch ‘10. High ceiling in bsmt.

Pat Townsend Ext. 218

Waterville

$114,000

Nice 2 family in the heart of Waterville, across the street from the Village Green. 1st floor apt. w/ 3 bdrs, 2 full baths. 2nd floor apt.; 2 bedrm 1 bath.

Fenced yard, above ground pool and rear deck.

Pat Townsend

Utica

Ext. 218

$86,400

Located on the corner of Hilton & Albany Street, the lot size is 80x202, large kitchen, DR, & LR, and first floor bedroom.

Ext. 206

$129,000

Clinton

$104,900

Move right in to 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

Clark Mills

$84,900

Three bedrooms & one bath with hardwoods, new furnace, hot water heater and some updates. Nice 2 story home in great school district!!!

Diana Raymond Ext. 207

New Hartford

$128,000

Location, location! 4 bdrs. or 3 plus an office or den w/ 1.5 baths. Spacious interior with hardwoods. Newer roof and a deep, tree lined yard.

Debbie Roberts Ext. 239

Whitestown

$102,900

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

Utica

$67,000

Warm and cozy with alot of updates throughout; oversized 2 stall detached garage; replacement windows.

Gloria Rocci

Ext. 217

New Hartford

$124,900

Kirkland

$119,900

New Hartford 3 bedroom, 2 full bath cape cod with private yard. Additional garage located in walkout basement.

Move right in! 3 bedrooms, 1.5 baths.

Exterior & interior updates! From ceilings to floors & everything in between.

Lisa Filletti

Lisa Filletti

Utica

Ext. 206

$90,000

Everything is done! Move right into this updated ranch in the NY Mills School district.

Hardwoods refinished, modern kitchen & bath. Owner is licensed R. E. broker.

Debbie Roberts Ext. 239

Sauquoit

$63,500

What a great winter project...9635 Pinnacle Rd needs some TLC being sold in as is as seen condition 2,988 sqft of history 3 & 2 bedroom Apts.

Kathy White Ext. 215

Utica

Ext. 206

$87,900

New furnace to keep you worry free! 4 bdrms, eat in kit., DR, LR plus a full attic & bsmt. Fenced yard w/a deck & driveway parking.

Lisa Filletti Ext. 206

Clinton

$38,900

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

Gloria Rocci

December

Lisa Filletti

Whitesboro

Cozy three bedroom with gorgeous new kitchen & updated bath with remote controlled skylights! Central air, vinyl siding, new windows.

Debbie Roberts Ext. 239

Ext. 217

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into Your Smartphone: OR Go to our Mobile Platform: m.Coldwellbankerprime.com

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11

L i f e and H o m e s

The Area’s Premiere Real Estate Search Engine!

Scan This

#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!

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110% Committed

to Serving Your Real Estate Needs!

Wishing you and yours a Happy Holiday Season. Please call anytime with real estate questions. Your referrals are always appreciated!!!

Ohio

$104,900

New Hartford

$119,900

New Hartford

$149,900

Steuben

$295,000

New Hartford

$389,500

Russia

$550,000

Wow! Located in Adirondack Park. Groomed snowmobile trails, x country skiing, 4 wheelers. 6 Acres. Great for horses.

Call, Email, or Text Anytime!

Big price reduction! Sellers are refinishing hardwood floors and painting interior! Lots to like in this classic cape. Sought after neighborhood.

Wow!! Fabulous space in this over sized split level. 2700 Sq. Ft. of open floor plan. Offers lots of options. Fireplace.

Great deck to private yard. Freshly painted.

Linda Peters

Associate Broker Cell: 315-527-1252 Email: LindaAPeters@gmail.com Once in a lifetime. Miles of views. Penn Mt groomed trails. Pasture, barn and access to horse trails. Private 15 acres. More land available. Foothills of Adirondacks

Meticulous!! Private park-like setting on a cul-de-sac.

Executive cape boasting 4000+ sq ft of living space.

New granite counters & ceramic tile in spacious kitchen.

Stunning!! 400’Of waterfront on Hinckley in Adirondack Park. Magazine quality 3bd 1.5Ba log home. Private.

Borders state land. 3 Levels of living.

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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 .

340 Main Street Oneida, NY 13421

HUNT Real Estate Corp. invites you to celebrate our 100th year in business - Proudly assisting thousands of families with all of their real estate & homeownership needs.

315-363-5533 Sue Rosendale

Associate Broker, GRI, CRS Designee Hunt Real Estate ERA

Cell: 315-374-7451 Office: 315-363-5533 x 218 Email: srosendale@huntrealestate.com

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

Oneida

$124,900

Oneida

$65,000

Oneida

$125,000

Verona

$12,500

Very nice ranch with huge newer kitchen, LR, DR, 3 bedrooms (master- 4 closets). MLS# S244543

Corner building lot 1018 sq ft w/ land - walking distance to public park. MLS # S172933

Sherrill

$69,900

Income or in-law this is a great investment! Huge double lot, 2 car garage, 2 sheds MLS # S243761

Verona

$139,900 Oneida

This is a treasure … even lovelier “in person” it’s like coming home to vacation… and loads of room. Huge 3 car garage as well.Wonderful covered front porch and delightful deck out back.

$74,900

Very roomy Colonial with 4 bedrooms and 2 full baths. Plenty of room for relaxed living.

Nice yard, great gardens. Seller is purchasing home warranty for buyer for one year.

Interior has all been done over nicely. Great owner occupied or rental. Very Private. MLS# S244441

Nice flat land ready for your home. Doublewides and singlewides in area. MLS # S241173 For more information on any of these homes, contact Sue Rosendale or go to www.huntrealestate.com and type in the MLS# in the search bar.

Oneida

$329,900 Sherrill

This is a stunning estate consisting of very large home, grounds, & small lake/pond. Exceptional quality and care. This is an ideal, private location close to shopping, churches, schools, parks, etc.

$179,900 Westmoreland

Extensive remodeling after a fire make this one of the most spectacular homes available.

Pictures do not do it justice … truly, you must see it. Beautiful hardwood floors, etc.

$129,900

Very nice family home in Clinton school district. Close to eveything and thruway.

Lovely private yard double decking attached to pool.

December ■

www.Life and Homes .com

13

L i f e and H o m e s

Will this year’s holiday house guests be seeing the same drapes, throw pillows and wall decor they saw in your home last year? Or even the

Easy Decor Upgrades to 'Wow' Holiday Guests If your decor is looking tired - or you’re just plain tired of it - the holiday season is a good time to gift yourself with a few new items that will also refresh your home for guests. It’s easy to make a big decorating impact if you focus on sprucing up areas like windows, furnishings and walls.

Consider these helpful hints:

L i f e and H o m e s

■

Central New York

Windows The cheapest, most high-impact way to make windows look better is to wash them. Seriously.

For the price of a roll of paper towels and some window cleaner - and some elbow grease you can make your windows look great, not to mention brighten the entire room.

Once your windows are sparkling, reward yourself for your hard work with some new window treatments. If the holiday hustle and bustle leaves little time for a run to the home decor store, online resources like SeventhAvenue.com make it fast and easy to shop for curtains.

Whether you opt for traditional or contemporary, replace curtains in rooms where guests are most likely to gather, such as the kitchen, living room or family room. To top off the holiday spirit of your new curtains, replace standard tie-backs with some festive holiday bows.

Furnishings Replacing every stick of worn-looking furniture 14

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 .

in your home’s “public areas” probably isn’t practical for your budget with the expenses of the holiday season looming. But you can refresh the furniture you have with a few simple steps: * Make sure it’s clean. Polish wood surfaces and vacuum upholstery. Dust and dirt will never be a designer statement. * Dress up older pieces with new cushions and pillows in eye-catching colors and patterns. A fresh pop of color can draw the eye away from less attractive surfaces. * If your furniture is just too tired-looking and replacing it is not in the budget, consider concealment. Slip covers and colorful throws are cost-effective ways to refresh older couches, loveseats, dining room chairs, armchairs and even recliners. Choose ones that accentuate your holiday theme, such as “Snowball” slip covers that offer a plush feel and bright colors in a material with a raised, snowball-like pattern.

year before that?

Walls Walls are usually the largest design element in any room, and updating them can completely rewrite the profile of a space.

Painting walls is a low-cost, low-labor way to refresh a room’s atmosphere and set the stage for a whole new look - even if you just put the same furniture back into the freshly painted room. Giving walls a fresh coat of paint is well within the capabilities for most do-it-yourselfers, but if you’ve never painted before or are hesitant to take on the project just before the holidays, there are other ways to liven up your walls.

Changing wall decor can be fast, effective and fun. Sometimes simply moving a wellloved piece of art from one room to another is enough to make you see the piece - and the room - in a new light. Or, if you crave something new without the hassle of in-store shopping during the holiday season, you can find wall decor from framed art and mirrors to wall hangings and tapestries online at websites like SeventhAvenue.com.

The holidays and their hectic pace may make it hard to fight your own fatigue, but you don’t have to face the season - and all your house guests - with tired home decor. A few simple, cost-effective upgrades can make your home bright again this holiday season. (ARA)

Dreaming of a

'Green' Holiday Do you have your decorating, entertaining and gifting plans in place? If you're looking for ideas and inspiration, why not think green this year?

This isn't just about holiday garlands, trees and wreaths. This is the eco-friendly and sustainable kind of green. And keep in mind that going green for the holidays doesn't mean being boring - you can incorporate all the glitz and glam of the season and still help the environment. Here's how:

Eco-friendly fresh face If you're looking to perk up tired rooms before holiday guests arrive, nothing changes the look of a space more dramatically and cost effectively than a fresh coat (and color) of wall paint. Dutch Boy's no-VOC Refresh Interior Latex paint fits the eco-friendly bill without sacrificing quality, an extremely important benefit. It even goes one step further - thanks to its innovative formulation featuring exclusive Arm & Hammer odor-reducing technology, Refresh captures, removes and locks common household airborne odors into the paint's film. Rest assured, it will keep your house smelling fresh throughout the holiday season and beyond.

Sustainable sentiments Americans purchase seven million greeting cards each year. Out of seasonal card sales, which account for half of total sales, 60 percent of these cards are Christmas cards. Imagine the number of trees it takes to produce that many cards each year, not to mention how much waste reaches landfills when the cards get tossed.

Send cards printed on recyclable paper with eco-friendly inks instead of traditional cards.

Or better yet, take the plunge and embrace electronic greetings: send your holiday wishes to friends and family via the Internet. While old-school Emily Post-types might not quite approve of this method just yet, your environmentally minded loved ones will thank you - and so will our forests.

Smart gifting

If you decide to completely go green and skip material gifts completely, give one from the heart by making a donation of your time and money in honor of the recipients at their favorite charities where many people can benefit from your generosity.

It's not hard to make even small changes and go green for the holidays. By doing so, you'll be helping the environment and still be able to deck those halls in style. The two no longer are mutually exclusive. It truly is possible to make your holidays both sustainable and spectacular. (ARA)

www.Life and Homes .com

15

L i f e and H o m e s

The option to add an eco-friendly twist to holiday gifts is on its way to becoming limitless.

With so many environmentally friendly products on the market, it's easy to find a gift that's thoughtful, useful and sustainable.

Another option is to make your own gifts knit a scarf, bead a bracelet, bake a batch of goodies, get crafty with found items around your house. If you're not creative, there are plenty of websites where you can buy handmade items from artisans in the United States or even abroad (be sure to look for fair-trade websites, if you buy from overseas, particularly from developing countries).

â–

Forget the old, energy-hogging incandescent indoor and outdoor holiday lights. Think LED instead. Strands made from light-emitting diodes are up to 90 percent more efficient than traditional holiday lighting. According to the Department of Energy, the best white LEDs have been found to have a useful life of

If you do decide to buy gifts at a bricks-andmortar store, why not consider buying local and visit that charming boutique you keep saying you want to check out? Most of the time, these shops carry items from local vendors.

They also tend to offer many handmade and/ or eco-friendly products. Shopping local keeps money in your community and keeps small business owners thriving.

December

Twinkling lights

about 35,000 hours, or four years, of continuous operation. What's even better: You won't face the trauma of an entire strand blowing if one bulb dies. On LEDs, when one light goes out on a string, the others stay lit.

LifeandHomes.com Constableville

Open Market Listing Service™

$99,900

2 Bedrooms / 1.0 Baths

Restaurant/Office Space

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

For more details visit www.LifeandHomes.com Type in Quick Search #41760

Barbara Dunn • 315-337-1677

Amy Abdoo • 315-794-2653

Broker/Owner • dunrealt@aol.com

Licensed Mortgage Banker NYS Banking Dept

Constableville

Licensed Mortgage Banker NYS Banking Dept

Ilion

3 Bedrooms / 1.0 Baths

4 Bedrooms / 2.0 Baths

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

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

Barbara Dunn • 315-337-1677

Leslie Nicolette • 315-985-0212

Broker/Owner • dunrealt@aol.com

Licensed Mortgage Banker NYS Banking Dept

Deerfield

$128,900

44 South Fourth Ave

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

Low Mortgage Rates • Homestead Financial 315-768-1980

$39,900

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Ilion

$18,900

10 River View Lane

174 Otsego St.

3 Bedrooms / 2.0 Baths

5 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42360

For more details visit www.LifeandHomes.com Type in Quick Search #41581

Bob Lawless • 315-724-7474

Amy Abdoo • 315-794-2653

Lawless Real Estate Broker/Owner • 0@0.com

Licensed Mortgage Banker NYS Banking Dept

Eaton

Dominion Homes Broker/Owner • blon316@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

$33,900

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Lee

$123,000

5767 Mill St

6319 Meadow Drive

3 Bedrooms / 1.0 Baths

3 Bedrooms / 2.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #42326

Amy Abdoo • 315-794-2653

Tony Abone • 315-339-2222

Dominion Homes Broker/Owner • blon316@aol.com

Licensed Mortgage Banker NYS Banking Dept

Forestport

RE/Max All Pro

Broker/Owner • proabone@cnymail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

$119,900

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Lee Center

12187 Woodhull Road

$84,900 9174 Sulpher Springs Road

3 Bedrooms / 1.0 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42358

For more details visit www.LifeandHomes.com Type in Quick Search #42087

Bob Lawless • 315-724-7474

Denise Witchley • 315-337-0841

Lawless Real Estate Broker/Owner • 0@0.com

Licensed Mortgage Banker NYS Banking Dept

Barbara Dunn Realty Wishing Everyone a

Merry Christmas and a

Prosperous New Year!

Lawless Real Estate “Your Professional Upstate New York Area Broker”

(315) 724-7474 Robert Lawless Lic. R.E. Broker

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

HomeComing Realty

Licensed R.E. Broker • witchleydenisem@hotmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Central New York

Low Mortgage Rates • Homestead Financial 315-768-1980

$127,000 3706 Sweeney Road / 15 Acres

Barbara Dunn Realty

■

Dominion Homes Broker/Owner • blon316@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

L i f e and H o m e s

$89,000

161 Second St

Barbara Dunn Realty

16

Ilion

3708 Sweeney Road

E-Mail: Kayuta1@frontiernet.net www. LawlessRealestate.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Laura Minard Coldwell Banker Prime Properties

You don’t need to be an expert to buy or sell real-estate! You need an expert working for you. I supply you with the information you need to make informed choices. We can work together to get you and your family what you need in the time you need it. Pick up the phone and interview me for the job of being your Agent!

315-525-1974 Cell Phone Anytime • lauraminard@cbpp.com Phone: 315-768-1680 x 205 Web: lauraminard.com

Open Market Listing Service™ Leonardsville

LifeandHomes.com

$69,900

New Hartford

$185,000

11287 E Center Street

25 South Hills Drive

3 Bedrooms / 2.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42362

For more details visit www.LifeandHomes.com Type in Quick Search #42191

Laura Minard • 315-525-1974

Amy La Clair • 315-790-4153

Coldwell Banker Prime Properties Realtor • lauraminard@cbpp.com

Broker/Owner • info@newnestrealty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Madison

New Nest Realty

$18,900

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

$169,900

16 E. Lake Rd.

26 Rockport Road

5+ Acres

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41900

For more details visit www.LifeandHomes.com Type in Quick Search #41361

Amy Abdoo • 315-794-2653

Stephen Dellerba • 315-725-9152

Dominion Homes Broker/Owner • blon316@aol.com

Prudential J.R. Carucci Real Estate Lic. R. E. Agent • sdellerba@prudentialcarucci.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Marcy

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

$299,900 Buckland Estates - New Construction

New Hartford

3 Bedrooms / 2.0 Baths

3 Bedrooms / 2.5 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #41626

Buck Construction • 315-736-0865

Willinette Cohen • 315-733-0463

Buck Construction

Contractor/Developer • alyssabuck@buckconstruction.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

$169,900

$249,000

10 Woodlawn Village

Prudential J.R. Carucci Real Estate Lic. R. E. Agent • info@prudentialcarucci.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

$239,900

8275 Seneca Turnpike

99 Kay Circle

4 Bedrooms / 2.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42349

For more details visit www.LifeandHomes.com Type in Quick Search #42366

Judy Hinman • 315-768-1680

Carol Scampone • 315-797-7100

Coldwell Banker Faith Properties Agent • jhinman@gurbr.com

Lic. R. E. Broker • ginascampone@yahoo.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

Scampone Realty

$184,900

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Oneida

$218,000

307 Higby Road

108 Cedar Crest

3 Bedrooms / 2.5 Baths

4 Bedrooms / 2.5 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #42355

Dorothy Neumann • 315-527-3542

Penny Wuest • 315-264-8212

NeuDot Realty

Broker/Owner • neu.dot@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Hunt Real Estate ERA

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

December

Clemens-Beckley Real Estate, Inc.

■

Professional & Courteous Real Estate Services

315-334-1046

www.Life and Homes .com

17

L i f e and H o m e s

420 N. Washington St. Rome, NY 13440

LifeandHomes.com Oneida

Open Market Listing Service™

$182,500

122 Paradise Lane

5 Bedrooms / 2.5 Baths

4 Bedrooms / 2 Full Baths/ 2 Half Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42338

For more details visit www.LifeandHomes.com Type in Quick Search #42365

Donna Keene • 315-363-9191 Lic R.E Associate Broker • kayhomes@dreamscape.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Oneida

$219,900

Scampone Realty

Carol Scampone • 315-797-7100 Lic. R. E. Broker • ginascampone@yahoo.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Oriskany Falls

$69,000

108 Morgan Lane

Valley View Road

5 Bedrooms / 2.5 Baths

Historic barn with 5+ acres

For more details visit www.LifeandHomes.com Type in Quick Search #42337

For more details visit www.LifeandHomes.com Type in Quick Search #42335

Kay Real Estate

Janet Mautner • 315-363-9191 Assoc. Broker • kayhomes@dreamscape.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Oneida

$450,000

New Nest Realty

Amy La Clair • 315-790-4153 Broker/Owner • info@newnestrealty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Oriskany Falls

$193,000

170 Skinner Road

2311 Huth Sayer Road

5 Bedrooms / 2.5 Baths

3 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41855

For more details visit www.LifeandHomes.com Type in Quick Search #42212

Kay Real Estate

Janet Mautner • 315-363-9191 Assoc. Broker • kayhomes@dreamscape.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Noyes Real Estate

Judy Noyes • 315-495-5031 Lic. R.E Broker/Owner • judy@noyesre.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Oneida

$424,500 111 Willow Meadow Way

Remsen

6 Bedrooms / 4.5 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41856

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

Kay Real Estate

Jayne Wentworth • 315-363-9191 Assoc. Broker • kayhomes@dreamscape.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Oriskany

$79,900

$298,000 10040 Bardwell Mills Road

A.Fumarola /Joyce Realty

Anthony Fumarola • 315-732-3456 Broker/Owner • anthony.fumarola@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

105 Ceral Lane

$74,900 919 Croton Street - 2 Units

3 Bedrooms / 1.0 Baths

6 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42331

For more details visit www.LifeandHomes.com Type in Quick Search #41907

Clemens-Beckley Real Estate Jill Shafer • 315-334-1046

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Central New York

$269,500

320 Main Street

Kay Real Estate

15 Prime Acres For Sale

HomeComing Realty

Denise Witchley • 315-337-0841 Licensed R.E. Broker • witchleydenisem@hotmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Call (270) 977-8555 or (740) 433-4342

15 scenic acres adjacent to NY State’s Baron Von Steuben Historic Park in Remsen. Build your summer getaway, dream home or hunting camp.

Close to shopping, dining, fishing, boating, skiing, snowshoeing, etc. Property borders a state forest and is within a mile of Wayne National Forest and major interconnected snowmobile trails.

■

L i f e and H o m e s

Oriskany

Nearly 1400’ of road frontage and approx 500’ from the road to the state park bordering the back. Develop in small lots with nice country homes, keep it all in one piece and make it your home or subdivide and sell a portion to make back your investment.

Why would I sell this prime property? Because I relocated and can’t maintain it. This land is as good as you’ll find for the asking price of $45,000. Will subdivide. Make a reasonable offer and own it!

For Sale By Owner

18

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 .

#1 Selling Company in Utica, Rome & Mohawk Valley Cell (315) 790-0990 Office (315) 735-2222 x 41

2306 Genesee Street, Utica, New York

FAITH PROPERTIES

www.centralnewyork.com/Lori “Everything was excellent. Lori kept us informed on progress and updates.”

-Jim C.

Here is what Lori’s Clients are Saying:

“She provided excellent service w/ communication, professionalism. Lori is great to work with!”

-Judy J.

Lori D’Onofrio Hamlin Associate Broker

“I am not a trusting person. Lori Hamlin earned my trust. She was very honest & straight forward about what was going on all the time. She always kept me informed & did what she said she would do. I would highly recommend her to anyone looking for an honest real estate agent. Enough said!”

-Ken Z.

LoriHamlin@roadrunner.com Cell: 315-790-0990

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

Nearly New

“Lori is always right on top of thingsshe is very punctual regarding call backs re: showings. Lori is very patient with consistent effort.”

“This is the second home we listed with Lori. She is a great person. Very reliable and extremely honest and loyal to her clients. Give her a raise- she deserves it!”

-Ron and Cathy J.

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!

New Home - Now on Display

This new 3 bedroom 2 bath home has it all - fireplace, all kitchen appliancesenergy star. Located on a pretty high lot. $72,500 Financing Available

New Listing

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

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. $52,000 www.Life and Homes .com

19

L i f e and H o m e s

New Listing

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U ED

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

-Mike W.

December

Magnificent large ranch, 3 bedroom 2 bath, living room and family room with fireplace, all appliances, great corner lot! $79,000

“Every step of the way was great from sales to closing. Lori Hamlin is truly an asset to your organization.”

-Tom G.

Average Home

Days On Market: Ilion $64,900

94

Sylvan Beach $89, 900

Our DOM :

3 0 Days

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

Utica

$94,900

73 Prospect Street An instant classic, this bea ates the warmth & charm utiful home radiof a bygone era.

Ava

$299,900

Central New York

7280 Lakeview Drive all primary rooms Stunning lake views from front home! in this unique, very cool lake

New Hartf ord $ 244,90 0

Deerfield $134,900

123 Branch Street cape with an Absolutely adorablemake a country interior that would ol! living magazine dro

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

Frankfort

0 Bridgewater$169,90

Totally unique sprawling your own colors and finishes!

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 .

$245,000

9999 Brockway Rdranch to be built! Pick

9706 US Highway 20 custom chalet priAbsolutely delightful 14 acre outdoor vately situated on a this home! love ’ll You d! oun playgr

Jorda n Guy

â–

L i f e and H o m e s

Y.com

7334 Lakeshore Drive Nice open floor pla n with great outdoor living, a lakeview dec k, new roof, water heater, huge fireplace.

Bra ndon ialist Bu yer Spec

Coldwell Banker Faith Properties

October Stars

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

Keith Schuderer

â–

Jay Groah

December

Congratulations to these Top Selling Agents!

SCAMPONE REAL ESTATE 797-7100

EW

N

ICE

PR W

D TE IVA OT

South East Utica

$239,900

Spawling, Renovated 4 bedrm, 3 bath ranch. 3 Fireplaces, Hrdwds, New Windows, Roof, Kitchen & Bath.

Formal LR w/ FP, formal DR. Master bath. Main floor laundry, finished room in basement w/ 3rd fireplace.

Sliders from FR to new deck. Large yard. Most sought after locations!

R LE

SEL

M

New Hartford Condo $235,000

Spacious 4 bdrm, 2 1/2 bath condo. Flr master suite. Loft area overlooking fireplaced family rm. Steps away from the golf course and only minutes from shopping 1st. ‘City close yet country quiet’ in this upscale neighborhood.

MLS #1000563

Frankfort

$324,900

Stunning contemporary 4 bdrm, 2 bath colonial w/all the extras! Sunken lr w/built in entertainment center & tongue & groove handcrafted beamed cathedral style ceiling. Custom kithen w/10’ granite 2 tiered island. Gleaming hdwds. Too many features to mention in this superb home w/archtectural drama! Situated on a double lot! A must see! MLS #1003563

W

Central New York

NE

N IO CT RU ST N CO

New Hartford

$239,900

EW

N

D TE IVA OT

M

G TIN

LIS

Frankfort

$164,900 EW

N

This 3 Bedroom, 2 Bath ranch has the best of both worlds.; country living, yet just one mile from the Parkway.

Many recent updates from the kitchen to the family room. Giant bonus room could be used as 4th bedroom.

Frankfort schools. MLS #1003816 R LE

SEL

Ilion

$159,000

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

Oriskany

ICE

PR

D TE IVA OT

R LE

SEL

M

$269,500

$159,000

South East Utica

East Utica - Commercial $139,900

North Utica

North Utica

Warm sunprch, bright, lrg fr w/frplc, dry bar & built-ins, frml dr, new fully apl kit w/crmc tile. New 1/2 bth, furnace, hwh, ‘enhanced’ hrdwds thruout. Leo kline updted full bth w/transfrbl wrnty.

New 2tier deck. House sits on 3 lots, fenced, backs to woods for privacy.

New lndscpng. Nice property!

MLS #1003525

scamponerealestate.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 .

$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

South East Utica

124,900

$119,900

Spacious & renovated, this 3 bdrm 2 ½ bath home sits on a double lot and offers 1st flr mster w/bth, tiled foyer, new kit, all new bths, 1/2 bth w/laun on main level, dining area overlooks large, sunken family rm. 2nd full bth up w/2 bdrms & common area. New furnace, wndws. Exterior just painted as well. Low taxes! MLS #1003586

MLS #1003199

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

22

New Hartford

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

$129,900

$219,000

Just move in to this immaculate home! Newer windows, roof & siding. New landscaping, new doors, gleaming hrdwds, freshly painted. Possible building lot to the right of property.

MLS #1003562

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

South East Utica

Whitesboro

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

Updated and maintained property, both inside and out. New driveway, landscaping, fencing, windows & bath. Hardwoods throughout & freshly painted 3 bdrm, 1 1/2 bath in very desireable East Utica location.

Updated furnace & electrical. Well built steel beam construction. Very comfortable living! MLS #1003579

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L i f e and H o m e s

NE

G TIN

LIS

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.

$114,900

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

340 Main Street Oneida, NY 13421

HUNT Real Estate Corp. invites you to celebrate our 100th year in business - Proudly assisting thousands of families with all of their real estate & homeownership needs.

315-363-5533 Ryan Kirch

Licensed R.E. Salesperson Hunt Real Estate ERA

Cell: 315-264-4198 Office: 315-363-5533 Email: ryan.kirch@huntrealestate.com

Camden

$137,500 Blossvale

Charming 2 story on five acres! Offers 3 spacious second floor bedrooms, and a 10x12 bedroom/ den or office on the first floor. A large eat in center island kitchen w/ breakfast nook.

219,000 Camden

Country living in a convenient location.The 1st floor offers 3 generous size bedrooms, and full bath.There is a spacious living room with a large picture window, an eat in kitchen w/ center island.

Rome

$114,300 Camden

$199,900 Vienna

$265,000

Annsville

$295,000 Camden

20,000 Rome

$139,500

This spacious ranch offers a large cherry eat in kitchen and formal dining room, open to a spacious living room with a wood burning fireplace.

$163,000

Contemporary style home with 3-4 bedrooms, 2.5 bathrooms, first floor laundry, a great kitchen with breakfast bar open to the family room, serving window to the dining area.

This 4 bedroom 2 bath home has a lot of extras to offer, with 10 private ares, 650 ft of waterfront on florence creek tree house with electrical service and inground pool!

This three bedroom, 2 bath ranch home is move in ready, offers a family friendly layout, large rooms, an eat in kitchen with a breakfast bar, a finished basement with a dance floor!

This corner building lot is located in a quiet neighborhood, close to parks, shopping, library and schools. Located on a designated snowmobile trail.

Scenic paradise, enjoy natural light and views of nature from every room. This 3,543 square ft. Log mansion on 25.81 Acres is an amazing buy!

Operate your own business and let the tenants pay for the building, or invest in your future!

The first floor is a large oďŹƒce space, set up for a podiatrist.

Baklava

Specialty Shop LH

December

just heavenly delight. Only $19.95. for Local Delivery or Pickup

315.534.4332 www.Life and Homes .com

23

L i f e and H o m e s

Call Tina to place your order

â–

This made-to-order treat is sure to sweeten up your day.

Made with fresh ingredients from an old Greek Family Recipe, each Baklava is made to order so there are no preservatives. This dessert is hand made with Filo Dough, Real Butter, Imported Greek Honey, Cinnamon and Walnuts- no partially hydrogenated oils, no high fructose corn syrup -

How to Keep Your Credit Safe:

Check it Often & Dispute Errors Checking your credit report regularly can help you avoid the pitfalls of bad financial decision making that can negatively impact your credit score. Knowing where you stand can also help you find inaccuracies in your credit report and correct them before they have long lasting effects on your credit-worthiness.

L i f e and H o m e s

■

Central New York

Under the Fair and Accurate Transactions (FACT) Act, you can request a free credit report annually from each of the three major credit reporting agencies - Equifax, Experian and TransUnion. If you want to check your report more often, that’s a good idea, but there are fees for additional reports or credit monitoring products.

The things you’ll find on the report are: your personal information, your credit history, a record of inquiries made by other parties and public records (like liens or bankruptcies).

Looking over the report carefully is important - any inaccuracies could have a significant impact on your credit.

24

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 .

While no other credit reporting system in the world compares to the U.S. credit reporting system, it is possible that, as in any complex data system, inaccurate or incomplete information may occur in your credit report.

If you find an inaccuracy or any incomplete information on your report, you have a number of options for disputing it - online is the quickest, but you can also initiate a dispute by mail or phone. Credit accounts, bankruptcies, collections, liens, judgments, inquiries and personal identification information can all be disputed. But how do you file a dispute?

Start by notifying a credit reporting agency like Equifax, who can do the work for you.

They will quickly take action to investigate the matter with the creditor that provided the information. The creditor investigates the dispute and then responds to Equifax with their findings, including any necessary changes.

Within a month of your dispute request, or 45 days if your dispute is based upon your

free annual disclosure report, either Equifax or CSC Credit Services (depending on who owns your credit file) will notify you of the results of its dispute investigation and provide you with a credit file reflecting the results of the investigation at no charge.

Examine your credit file carefully to make sure the inaccuracies have been corrected or removed. If the information you disputed has been re-verified, it will remain in your credit file, but you can request that it be shown as disputed and you can add a statement of explanation to your file. If you dispute online with Equifax, you can check the status of your dispute on the company’s website and receive e-mail updates.

Insurers, landlords, and loan providers can all view your credit file to gauge whether to do business with you. By checking your credit report regularly, you’re a step ahead of the game. Having a credit reporting agency help with any disputes will make it easier to keep your report in good shape. For more information, go to www.equifax.com. (ARA)

Don’t Let Your Holidays Become

an Opportunity for Criminals

For many of us, the holidays are a mixture of fun and frantic shopping, joyful times and a hectic pace. Criminals, however, see the holiday season as full of opportunities - the perfect time to take advantage of seasonal chaos.

“With everything going on, the holiday season is no time to let your guard down when it comes to home security,” says Jim Boots of Protection 1 (www.protection1.com), the largest privately owned security company in the U.S. “Criminals know that our holiday habits can leave our homes, belongings and personal information vulnerable. It’s important to be vigilant throughout the year, and especially during the holidays. According to the FBI, there’s a burglary every 14 seconds in the U.S. And, with homes and cars filled with new gifts and gadgets, the holidays are an especially lucrative time for thieves.”

Fortunately, by taking some simple precautions, you protect your home, purchases and identity from predators this holiday season.

Secure your home “Burglars know many people travel during the holidays, and many more will leave brandnew, valuable merchandise in their homes when they’re out,” Boots says. “A criminal is more likely to target a home that looks vulnerable. The best thing homeowners can do to protect their homes is to make it clear to burglars that their house won’t be an easy mark.”

Reduce the risk of burglary by: * Putting inside and outside lights on a timer to make your home look occupied while you’re away. * Keeping bushes, trees and decorations from obscuring the view of your front door from the road.

* Suspending newspaper and mail delivery if you’ll be away for several days.

just in case you’re away from the house, asleep or unable to respond.

* Arranging for snow removal in case of a fresh snowfall while you’re away.

Stay safe when you’re out Thieves know our holiday shopping habits and can make us vulnerable to theft while we’re out and about. From breaking into cars to “shoulder surfing” for credit card information and PIN numbers, criminals take every opportunity to brighten the holidays for themselves. When holiday shopping, keep these safety tips in mind:

Consider installing a cost-effective home security system, provided by a trusted company such as Protection 1, that allows you to control everything remotely from a mobile or Web-based system such as a smart phone or laptop. A home without a security system is two to three times more likely to be burglarized, according to a study

by Temple University. With Protection 1’s eSecure service you can check on, arm or disarm your home security system remotely, communicate with the system via text message, and even place sensors on specific areas inside your home that you want to protect such as jewelry boxes, TVs or even the gifts under the Christmas tree. The service also provides portable surveillance cameras that you can place in your home, or take with you to monitor the inside of your hotel room while you’re out.

While you’re keeping bad guys out, don’t overlook fire safety as well. Christmas Eve and Christmas Day are the top days for home candle fires, according to the U.S. Fire Administration.

Christmas trees account for 200 fires annually, resulting in six deaths, 25 injuries and more than $6 million in property damage, the administration’s statistics show. Remember, never leave candles burning and don’t overload electrical sockets with decorative lights. However, should there be an accident a monitored system from Protection 1 automatically dispatches the fire department

* Never leave shopping bags, wrapped gifts or other valuables visible inside the car. Always place them in the trunk. Thieves are more likely to break into a vehicle if they can see the loot in it. * Carry only the credit card you need and one piece of ID when shopping. Leave your Social Security card at home or in a secure place. * Be aware of who might be looking over your shoulder as you type a PIN number. * Never allow a store clerk to take your credit card out of your sight. * Enroll in an identity theft protection service like LifeLock, which monitors your credit and can alert you if a piece of your personal information is used incorrectly in an application for credit or services.

“By taking some precautions, homeowners and shoppers can ensure the holidays stay bright for themselves and their families - and not for criminals,” Boots says. (ARA)

LifeandHomes.com Rome

Open Market Listing Service™

$154,000

3 Bedrooms / 2.5 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42327

For more details visit www.LifeandHomes.com Type in Quick Search #42088

Tracy Winterton • 315-335-3843

Denise Witchley • 315-337-0841

Lic. R.E Salesperson • tlwinterton@hotmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$109,900

Licensed R.E. Broker • witchleydenisem@hotmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$310,000

406 W. Oak Street

3 Bedrooms / 1.0 Baths

4 Bedrooms / 3.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42352

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

Jim Lenahan • 315-723-2270

Maria E. Dailey • 315-336-0433

Licensed R.E. Agent • jim@centralnewyork.com

Licensed Mortgage Banker NYS Banking Dept

Rome

National M&D Dailey Realty Broker/Owner • dailey.realty@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

$77,900

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$59,500

742 Camp Street

534 Mill Brook Road

3 Bedrooms / 1.5 Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42350

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

Jim Lenahan • 315-723-2270

We Buy/Sell Houses • 315-264-9235

Coldwell Banker Faith Properties Licensed R.E. Agent • jim@centralnewyork.com

Licensed Mortgage Banker NYS Banking Dept

Rome

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

Low Mortgage Rates • Homestead Financial 315-768-1980

$144,900

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$99,900

8346 Forest Lane

1200 Floyd Ave

2 Bedrooms / 2.0 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42204

For more details visit www.LifeandHomes.com Type in Quick Search #42221

Gaetano Belmonte • 315-768-1680

Tony Abone • 315-339-2222

Coldwell Banker Prime Properties Realtor • Homes@GaetanoBelmonte.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$57,000

RE/Max All Pro

Broker/Owner • proabone@cnymail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$106,000

110 Abbe Blvd

8388 Turin Road

3 Bedrooms / 2.0 Baths

1 Bedrooms / 4.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41379

For more details visit www.LifeandHomes.com Type in Quick Search #42325

Denise Witchley • 315-337-0841

Tony Abone • 315-339-2222

HomeComing Realty

Licensed R.E. Broker • witchleydenisem@hotmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Central New York

HomeComing Realty

6327 Karlen Road

Coldwell Banker Faith Properties

Jodie DeCosty Lic. Assoc. R.E. Broker

Rejoice in the spirit of Christmas which is Peace, the miracle of Christmas which is Hope, and the heart of Christmas which is Love.

■

L i f e and H o m e s

$87,900

7879 Thomas Street

1St. Rome Realty

4957 Commercial Drive Yorkville NY 13495 www.ColdwellBankerPrime.com/jodie.decosty Cell: 315-723-8554 Email: jodie.decosty@coldwellbankerprime.com

26

Rome

6559 Elmer Hill Road

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 .

“Today in the town of David a Savior has been born to you: he is Christ the Lord.”

Luke 2:11

RE/Max All Pro

Broker/Owner • proabone@cnymail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Robert B. Dellecese

Joann Longo Licensed RE Brokers & Appraisers

Robert B. Dellecese & Joann Longo Realty

Utica

$52,000

Great investment- 3 unit apartment building. 3 Stoves & refrigerators. Laundry available in each apartment. Quiet neighborhood, close to schools. MLS # 912418

Utica

315-733-5394

New Location 3985 Oneida St, New Hartford, NY 13413

$52,000

Nice 2 family. Great income property or use one flat for yourself and let the second one pay the bills. Great starter for new investor or someone looking for first home.

MLS # 1001592

Utica

$124,900

Oneida

$78,900

This spectacular colonial home is waiting for a family to move in. Offering 5 bedrooms, 3 full baths and 1/2 bath.

Gleaming hardwoods thruout. MLS # 1000245

Lovely home for 1st time homebuyer! Offers 3 brs, 1 bath, newer kitchen w/white tile floor, above ground pool, large deck, large fenced yard and new storage shed. MLS # 1000671

Herkimer

Ohio

Land Listings

Utica $150,000 Prime exclusive Sherman Hills Property. Total privacy. Currently is landscaped with beautiful trees, grass and woods.MLS#1002877

Old Forge

$299,000

Great yr round cedar cape w/3 br 2 full baths - natl.Wood kitchen cabinets -lg treed lot-close to mccauley mt. Great ski area - hiking boating snowmobiling - 2nd fl can be made into 2 more br bath. 16 X 38 2 level deck in back. Dbl pane thermal windows. MLS#1001050

New Hartford $25,900 Build your dream home in Prestigious Sherman Hills. Great location at the corner of Tilden Ave and Wadsworth Rd. MLS#1001038 Chadwicks $39,000 This 9.3 acres is a great location in theTown of Paris to build your dream house. Zoned residential. (Also in Agricultural District.) MLS#913048

MLS#1003874

$40,000

5 Acre lot located in an area of breath taking panoramic view of the Mohawk Valley. Build your dream house here!

MLS#913039

$105,000

Outdoor lovers paradise.This acreage features much wildlife & has rough logging roads throughout 97 forested acres in the Adirondack Park in one of N.Y State’s most rural areas suitable for snowmobiling & hunting. MLS#200803354

QSN#42087

QSN#41907

“The Key to your front door”

Rome

$65,000

Rome

$74,900

535 W.Embargo St 3 Bedroom, 2 story home. Adorable starter.

Large kitchen. Front porch and covered patio in back yard. Area for parking. Special use room - additional bath? office? exercise room? You decide...but you have to call first!

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

$84,900

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. Owner wants offers!

and a

Blessed New Year

$57,000

Rome

$87,900

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. Owner wants offers!

Rome

$125,000

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!

For more information on any of these homes, visit

www.LifeandHomes.com and type in the QSN#

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

www.Life and Homes .com

27

L i f e and H o m e s

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?

337-0841 office 335-6971 cell 337-7973 fax

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Rome

December

Denise Witchley Lic. Real Estate Broker/Owner

LifeandHomes.com Salisbury

Open Market Listing Service™ Sylvan Beach

$225,000

503 16th Ave

3 Bedrooms / 2.0 Baths

3 Bedrooms / 1.0 Baths - Seller Financing

For more details visit www.LifeandHomes.com Type in Quick Search #42361

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

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

Steve Ruscitto • 315-762-4488

Oneida County Real Estate Investors

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

Investor • steve@cnyres-q.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Sherrill

Licensed Mortgage Banker NYS Banking Dept

Utica

$150,900

29-35 Devereaux Street

4 Bedrooms / 2.0 Baths

Drive-Thru Bank

For more details visit www.LifeandHomes.com Type in Quick Search #42339

For more details visit www.LifeandHomes.com Type in Quick Search #42213

Jayne Wentworth • 315-363-9191

Maria E. Dailey • 315-336-0433

National M&D Dailey Realty

Assoc. Broker • kayhomes@dreamscape.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

Stanwix

Licensed Mortgage Banker NYS Banking Dept

Utica

$109,900

917 Churchill - 4 Units

5 Bedrooms / 2.0 Baths

4 Bedrooms / 4.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42364

For more details visit www.LifeandHomes.com Type in Quick Search #42348

Gene Primarolo • 315-723-8462

Anthony Fumarola • 315-732-3456

A.Fumarola /Joyce Realty

Lic. R.E Salesperson • genop67@hotmail.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

Steuben

Licensed Mortgage Banker NYS Banking Dept

Utica

$219,900

24 Jason Street -3 Units

4 Bedrooms / 2.0 Baths

9 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42347

For more details visit www.LifeandHomes.com Type in Quick Search #41888

Jodie DeCosty • 315-723-8554

Kim Perry • 315-723-6340

Buyer’s Realty Group

Lic RE Associate Broker • jodiedecosty@cbpp.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

Sylvan Beach

Licensed Mortgage Banker NYS Banking Dept

Utica

$67,000

1314 Vienna Rd

$79,900 26-28 Leslie Ave - 2 Family

2 Bedrooms / 1.0 Baths - Seller Financing

6 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 #42357

Steve Ruscitto • 315-762-4488

Bob Lawless • 315-724-7474

Oneida County Real Estate Investors

Lawless Real Estate

Investor • steve@cnyres-q.com

Broker/Owner • 0@0.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

Advanced Home Inspection Service LLC

PUBLIC NOTICE ONEIDA & MADISON COUNTY NY

15 years experience inspecting homes NYS Licensed/ Certified Inspector NEHA/NRPP Certified Radon Tester

■

L i f e and H o m e s

$78,000

10108 Starr Hill Road

Coldwell Banker Prime Properties

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

NRPP

Call 315-792-9029

http://www.advancedhomeis.com 28

$34,900

6846 Liberty Street

Prudential J.R. Carucci Real Estate

Don Archer

$124,500

232 East Hamilton Ave

Kay Real Estate

NAHI

$69,000

2394 State Rte 29

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 .

We publish a FREE Water Quality Report.

To use this free public resource, visit the website.

800-432-8669 www.SuperiorPlusEnergy.com

http://Safer-Homes.CyberVillage.com Or Google: Safer Homes CyberVillage

Joseph R. Carucci Real Estate 600 French Rd., New Hartford

(315) 733-0463

24 FOXCROFT ROAD, NEW HARTFORD

10 WOODLAND VILLAGE, NEW HARTFORD

Special 5 Bedroom Woodberry Hills Colonial with many beautiful rooms and flexible room use. Light, bright, quality updates! Huge Master Suite with extraordinary Master Bath. Over 4,000 sq/ft of living space in such a convenient location!

Chris Ossont, Assoc. Broker ext. 104

Stunning 3 BR, 2.5 Bath, 2,200 sq/ft Home! Totally Renovated Kit. & Baths. Kit w/ Quartz Countertops, Maple Cabinets & New Appliances opens to fireplaced FR w/ bookshelves. Lrg Mstr BR overlooks vaulted LR. Cul-de-sac lot. Bsmt Rec Rm. C/A. Many Updates!

Willinette Cohen ext. 218

$349,900

$249,000

MLS#1002276

MLS#1001919

47 WOODBERRY RD., NEW HARTFORD

219 HIGBY RD., NEW HARTFORD

Picturesque Woodberry Hills Colonial w/ 4 BRs, 2 Full Baths, 2 Half Baths. Spacious Foyer, Lrg Kit. w/ eating area, Lrg LR & FR w/ bookshelves. 2 fireplaces.

Mud Rm, 1st flr Laundry. Fin Bsmt Rec Rm. Patio, Basketball Ct. Private rear yard backs to woods.

Chris Ossont, Assoc. Broker ext. 104

New Hartford Colonial with 4 Bedrooms, 2.5 Baths. Sauna. Tastefully updated w/ superb décor!

Beautiful Stone Exterior. 2 Car Attached Garage.

Great Convenient Neighborhood & Location!

$239,900

$218,900

Chris Ossont, Assoc. Broker

MLS#1003402

ext. 104 MLS#1000658

26 SOUTH HILLS DR., NEW HARTFORD

22 DEERPATH DR., NEW HARTFORD

Spacious Ranch with spectacular views, 4 Bedrooms, 2 with bath on suite, 3 1/2 total baths, Liv Rm & Family Rm w/ fireplace. Very flexible floor plan, 2 car attached, 1 car detached.

New Price! Traditional 4 BR, 2.5 Bath Colonial in Higby Woodlands. Light, bright & neutral. Spacious LR, Formal DR, Nice eat-in Kitchen w/ new countertops.

Fireplaced FR w/ bookshelves. Main floor laundry.

New Boiler-2009. Covered porch & private yard.

Chris Ossont, Assoc. Broker ext. 104

Call 733-0463

$215,000

$209,500

MLS#1002847

MLS#1003334

259 HIGBY RD., NEW HARTFORD

26 ROCKPORT RD., NEW HARTFORD

Treasured Landmark! Preserved warmth & charm of yesteryear. Lg LR w/ architectural details + firepl.+ bookshelves.DR/FR w/ firepl. Sunrm. Hdwd + plank flrs. Expansion walk-in attic. Patio. Great yard & location!

Chris Ossont, Assoc. Broker ext. 104

Spacious, well maintained townhouse in Oxford Heights on Cul-de-sac. 3 Bedrooms, 2 Baths, plenty of storage / walk-in closets. Newer Kitchen, Furnace, Roof. Central Air. 2 Stall Garage.

$179,000

$169,900

Stephen Dellerba

MLS#913158

ext. 212 MLS#911417

6 BEVERLY PL., SOUTH UTICA

5 FULMER ST., MOHAWK

Traditional Colonial w/ Grand Entrance Hall. Beautiful Oak Kit. w/ ample cabinets. DR & Kit. combined make great space to entertain. Firepl. LR opens to Sun Porch. 3 BRs, 1.5 updated baths. Some new windows.

Covered deck. Immaculate & totally redecorated.

Call 315-733-0463.

Beautifully redone throughout. Move into this 4 BR, 2 Bath Cape w/ fine features that include: refinished hdwds, new fixtures, baths, stainless steel-wood & Corian kitchen, state of art Lenox heat, low cost electric, patio & oversized garage w/ office.

Joan Abend, Assoc. Broker ext. 216

$159,000

$149,900

MLS#1003633

MLS#1002244

8169 CIDER STREET, ORISKANY

13 BOHLING RD., NEW HARTFORD

2 Excellent 3 BR Ranch in a very good location.

Replacement windows throughout. New Kitchen. A beautiful home on a nice lot 115 x 181.

Village of New Hartford, 4 BR, 2 Bath Ranch w/ finished basement rooms. Spacious Kitchen-Dining Area. LR-Hdwds. Bsmt w/ BR, Full bath, FR & Laundry. Deep garage. Large Patio. Private fenced yard. Great convenient location.

Chris Ossont, Assoc. Broker ext. 104

Len Pugh, Assoc. Broker

$127,900

ext. 203

$127,900

MLS#1003455

MLS#1002763

$109,900

$74,900

Willinette Cohen

MLS#912572

ext. 218 MLS#1002334

6403 MALLORY RD., MARCY Superb Location! Private lot. One floor Ranch Style Home. Approx. 1,000 sq/ft. New Beautiful Bath. New partial roof over garage & 3rd BR. Price reflects home needing TLC. Possibilities for investment property.

Joan Abend, Assoc. Broker

$69,000

www.prudentialcarucci.com

ext. 216 MLS#1003834

www.Life and Homes .com

29

L i f e and H o m e s

New Price! Nice 3 Bedroom Country Home with attached 2 car garage, hardwood floors, replacement windows and a 30 x 40 heater pole barn for the hobbyist or a small business.

■

6622 ROUTE 5, WESTMORELAND

Spacious 5 Bedroom, 2 Bath Home. Hardwood Floors, LR w/ Pellet Stove & large yard w/ horseshoe pits & Bocce Court. Newer Furnace, hot water tank & roof. Septic is less than 5 years old. Public water.

Possible in-law apartment.

Eugene Primarolo ext. 128

December

6846 LIBERTY ST., STANWIX

#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

December â–

www.Life and Homes .com

31

L i f e and H o m e s

735-8515

Campion-Weeks Sauquoit

$214,900

Well appointed 4 BR, 2.5 bath colonial.

Applianced kitchen, DR, FR, HW floors, 2 car garage.

MLS#1002191 www.Campionweeks.com 735-8515

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

New Hartford

$219,000

Gracious 4/5 BD split level on quiet cul-desac. FR, DR, 2 full & 2 half baths, 2 car garage.

Woodmode kitchen, newer baths.

MLS#1002641 www.Campionweeks.com 735-8515

Deerfield

$259,000

Great contemporary 2/ 3 BDs, 2 baths, FR, DR, Plus 2BD, 2 bath separate in-law or income apt. 3 car garge.

MLS#1003696 www.Campionweeks.com 735-8515

Whitesboro

Azza Diorgi

Mark Canter

Susan Alberico

Caroline Marino

Sam Vedete

Vera Sadallah

Adeline Griffiths

Alice Donnelly

$159,900

Gorgeous village home. 3 BDs, 1.5 baths, FR, DA. Totally redone. Pool, lge 2 car garage w/ party room & hot tub above.

MLS#1002608 www.Campionweeks.com 735-8515

Anne Hameline Anthony Desarro

Brett Lojewski Carla Dochterman

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

East Utica

$109,000

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

Yorkville

Central New York

MLS#1003737 www.Campionweeks.com

735-8515

to one and all!

South Utica

$88,000

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

MLS#1001143 www.Campionweeks.com

735-8515

Floyd

New Hartford

$89,900

Wonderful farm house with approx 3200 s/f of living space. FR, DR, in-law apt. 4/5 bedrms, 2 baths. 2 car garage.

MLS#912433 www.Campionweeks.com 735-8515

Remsen

$119,900

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

MLS#1003060 www.Campionweeks.com 735-8515

$75,900

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

East Utica

Carole Owen

Dave Malozzi

Kim Johnson

Linda Cavalier

Linda Kuzniar

Luis Montero

Marilyn Valvo

$102,000

Nicely remodeled 3 BD ranch walking distance to Hinckley Reservoir. Deck, pool, garage. Year round home.

MLS#1002340 www.Campionweeks.com 735-8515

New York Mills

Carol Chiarello

$74,900

MaryBeth Roberts Michael Grassi

Pat LoGuidice

Paul Durrigan

Rosemary Nicotera

Ruth Fanelli

Sabrina Arcuri

Tom Conte

Tom Mazzotta

Wade Evans

Jerry Orsaeo

Jonathan Smoulcey

Great 4 BD, 2 bath bungalow. DR, 4 car garage, deep lot. Updates.

MLS#1003283 www.Campionweeks.com

735-8515

L i f e and H o m e s

■

Fully equipped beauty shop plus 2 apts.

3 booth rentals, separate utilities, vinyl sided, 2 car garage. Could be barber shop.

MLS#912863 www.Campionweeks.com 735-8515

$129,900

Immaculate 3 BD, 2 bath ranch. Dining area, finished basement. Attached garage.

of the Season

$129,000

$87,000

Whitesboro

Warmest Greetings

Ideal 2 story office building w/ apartment upstairs. Parking, full bsement & attic. Genesee St. location.

MLS#1003015 www.Campionweeks.com 735-8515

Rome

$119,900

Great 2 family w/ many updates. 2 BDs in each apt. Separate utilities. 2 car garage, carport. Whitesboro schools.

MLS#1003693 www.Campionweeks.com 735-8515

Bridgewater

$86,000

Charming 3 BD ranch on an acre lot with beautiful views. Garage, patio.

MLS#1003627 www.Campionweeks.com 735-8515

32

East Utica

$60,900

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

MLS#1002145 www.Campionweeks.com 735-8515

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 .

Forestport

$39,900

Great for snowmobiling or hunting. 2 BD mobile home.

MLS#1003257 www.Campionweeks.com

735-8515

West Utica

$44,900

Affordable 3 BD bungalow. Expansion attic, DR, garage. Fenced yard, vinyl siding.

MLS#1003398 www.Campionweeks.com

735-8515

MVLS#41784

Kinship Properties Fonda

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

$74,900

A very nice, well kept Ranch Style, double wide, in a quiet country setting, but only 3 miles from the Village of Fonda. This home offers 3 bedrooms, 2 full baths, a beautiful eat in kitchen and a large living room.

Call Bob Snell 518-321-9897

Salisbury

$224,900

Beautiful Victorian Style home with extensive woodworking throughout, hardwood floors, radiant heat in kitchen. 4 Bedrooms, 2 Baths.

21 acres, property connects to Marsh Road.

Call Linda Babick 315-429-3052

FEATURED PROPERTY

Dolgeville

$142,300

Beautiful 3 bedroom remodeled home located within walking distance to Dolgeville School. Fully insulated and heated 2 stall garage measuring 28x32 with automatic garage opener. Oak kitchen with island has upgraded appliances included with home. MOVE IN CONDITION! Call Heidi Mouyos 315-717-7269

St. Johnsville

$149,000

This lovely remodeled single family home is breathtaking when walking into the spacious entrance.

Everything new from the furnace to the wiring and vinyl siding with Timbertech decking on the front porch. Call Debbie Sicilia 518-495-5770

St. Johnsville

$77,000

The perfect spot for the auto repair enthusiast! This 2 or 3 bedroom home sits on a large lot, with an 20’x50’auto shop, that is equipped with 100 amp electric and a furnace for heat.

Call Bob Snell 518-321-9897

From our family to yours we wish you a Merry Christmas and Happy New Year.

340 Main Street Oneida, NY 13421

HUNT Real Estate Corp. invites you to celebrate our 100th year in business - Proudly assisting thousands of families with all of their real estate & homeownership needs.

315-363-5533 Shari Kimball

Penny Wuest

Associate Broker, Hunt Real Estate ERA

Associate Broker, GRI, CRS Designee Hunt Real Estate ERA

Cell: 315-264-9230 Email: shari.kimball@huntrealestate.com Web: www.ShariKimball.com MLS # 1003429

Cell: (315) 264-8212 Email: penny@pennywuest.com Web: www.PennyWuest.com

MLS # 1002743

MLS # 1002971

MLS # 1003620

MLS # 1003613

MLS # 1003717

December

$259,900 Canastota

Augusta

$102,500 Camden

$238,000 New Hartford

Beautiful chalet style 2-3 bedroom home on 5.12 Acres with a stunning view. Bright and sunny with an open floor plan, loft area, large family room on the ground level, & wrap-around deck .

A panoramic view & nearby golf course too. Hdwd Stunning Italianate circa 1860 offers many original flrs span ranch home on 1+ Acres. MLS# 1001326 features including stained glass. MLS # 1002100

$129,900

Utica

$64,900 Vienna

$75,000

Oneida

$218,000 Canastota

Newly sided colonial with large family room that opens to the covered deck overlooking the spacious yard. Many updates have enhanced this lovely home.

Great investment opportunity - 4 - one bedroom apts.Tenants pay heat/electricity. MLS # 1002313

Great property for first time home buyers or empty nesters. Roof is in good condition, newer furnace and hot water tank. Hardwoods under carpet.

$113,900 Canastota

Private retreat - beautiful yard with partial wooded lot and trails. Large kitchen and counter space,good size bedrooms, and first floor laundry. Dont hesitate call today.

$198,900

Beautiful up-dated dutch colonial in move in condition. New kitchen with marble counter top, stainless steel appliances, bamboo flooring.

$69,900

Beautiful home with formal DR, LR,den,2.5 This particular condo is located in the back and Att. garage, 8course basement,MLS #1003405 has a large walk-in closet. MLS #1003748

www.Life and Homes .com

33

L i f e and H o m e s

$55,000 Oneida

A great chance for home ownership.The living room is surprisingly spacious with pine floors and a breakfast bar. Many updates include a new roof, newer windows and furnace, updated bathroom.

■

Oneida

LifeandHomes.com

Open Market Listing Service™

Utica

$24,900 1120 Schuyler - Multi Family

Utica

4 Bedrooms / 2.0 Baths

3 Bedrooms / 1.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #42363

Dorothy Neumann • 315-527-3542

Laura Minard • 315-525-1974

NeuDot Realty

Coldwell Banker Prime Properties

Broker/Owner • neu.dot@gmail.com

Realtor • lauraminard@cbpp.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

$74,900 1635-1637 Holland Ave - 2 Family

Vernon

6 Bedrooms / 2.0 Baths

3+ Acres

For more details visit www.LifeandHomes.com Type in Quick Search #42343

For more details visit www.LifeandHomes.com Type in Quick Search #42052

Rick Andrew • 315-534-0555

Amy La Clair • 315-790-4153

New Nest Realty

FSBO • rickjandrew@gmail.com

Broker/Owner • 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

Utica

Licensed Mortgage Banker NYS Banking Dept

Vernon

$209,900

$139,900

North Utica

4 Black Ave

2 Bedrooms / 2.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33997

For more details visit www.LifeandHomes.com Type in Quick Search #42342

Buck Construction • 315-736-0865

Julie Stickels • 315-363-9191

Buck Construction

Kay Real Estate

Contractor/Developer • alyssabuck@buckconstruction.net

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

Utica

Licensed Mortgage Banker NYS Banking Dept

Vernon

$319,900

$197,900

North Utica

3799 Kenwood Avenue

3 Bedrooms / 2.0 Baths

3 Bedrooms / 2.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #32864

Buck Construction • 315-736-0865

Julie Stickels • 315-363-9191

Buck Construction

Kay Real Estate

Contractor/Developer • alyssabuck@buckconstruction.net

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

Utica

Licensed Mortgage Banker NYS Banking Dept

Vernon

$49,900

$149,900

60 Emerson Avenue

4018 Houck Road

3 Bedrooms / 1.0 Baths

3 Bedrooms / 2.1 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42346

For more details visit www.LifeandHomes.com Type in Quick Search #42341

Jodie DeCosty • 315-723-8554

Katie Falkenmeyer • 315-363-9191

Coldwell Banker Prime Properties

Kay Real Estate

Lic RE Associate Broker • jodiedecosty@cbpp.com

Lic. R. E. Salesperson • kayhomes@dreamscape.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

Secure Home Inspections

Jim Lenahan Associate Broker, GRI Designation

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

Jim Lenahan is here to “lend-a-hand” to Buyers as an Accredited Buyer’s Agent, and Sellers as a Dedicated Seller’s Agent.

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L i f e and H o m e s

$28,000

Cooper Street

Oneida County - FSBO

Call, e-mail or text anytime.

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 .

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. FAITH PROPERTIES

Cell: 315-723-2270 Email: jim@centralnewyork.com

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$44,500

125 Thomas Street

Cell: 315 542 4622

December â–

www.Life and Homes .com

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L i f e and H o m e s

LifeandHomes.com Vernon

Open Market Listing Service™

$169,000

3 Bedrooms / 1.5 Baths

3 Bedrooms / 2.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #42351

Amy La Clair • 315-790-4153

Anthony Fumarola • 315-732-3456

Broker/Owner • info@newnestrealty.com

Licensed Mortgage Banker NYS Banking Dept

Vernon

$299,900

Licensed Mortgage Banker NYS Banking Dept

Westmoreland

$209,900

6000 Eureka Road

2 Bedrooms / 2.5 Baths

4 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42155

For more details visit www.LifeandHomes.com Type in Quick Search #41645

Amy La Clair • 315-790-4153

Laura Minard • 315-525-1974

Broker/Owner • info@newnestrealty.com

Coldwell Banker Prime Properties Realtor • lauraminard@cbpp.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Vernon

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

$149,900 4966 State Route 26 Rome Rd

Whitesboro

3 Bedrooms / 1.5 Baths

2 Bedrooms / 1.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #42353

Amy La Clair • 315-790-4153

Jim Lenahan • 315-723-2270

New Nest Realty

Broker/Owner • info@newnestrealty.com

Licensed Mortgage Banker NYS Banking Dept

Verona

$114,900

115 Hardcastle Ave

Coldwell Banker Faith Properties Licensed R.E. Agent • jim@centralnewyork.com

Low Mortgage Rates • Homestead Financial 315-768-1980

$149,900

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Whitestown

5708 Youngs Road

$145,500 6973 Rome Oriskany Road

3 Bedrooms / 2.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42340

For more details visit www.LifeandHomes.com Type in Quick Search #42345

Janet Mautner • 315-363-9191

Jodie DeCosty • 315-723-8554

Kay Real Estate

Assoc. Broker • kayhomes@dreamscape.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Vienna

$97,000

Coldwell Banker Prime Properties Lic RE Associate Broker • jodiedecosty@cbpp.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Whitestown

7834 Lewis Road

$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 #42328

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

Wendy Palinski • 315-334-1046

Amy La Clair • 315-790-4153

Clemens-Beckley Real Estate Lic. R.E Salesperson • WKPALINSKI@AOL.COM

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Central New York

Low Mortgage Rates • Homestead Financial 315-768-1980

4140 Churton Road

New Nest Realty

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A.Fumarola /Joyce Realty Broker/Owner • anthony.fumarola@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

L i f e and H o m e s

$49,900

6415 Carter Road

New Nest Realty

36

Westmoreland

6 Black Ave East

Dorothy Neumann

Amy Abdoo

NeuDot Realty

Dominion Homes

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.

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.

Phone: 315-527-3542 Email: dneumann@neudotrealty.com

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

New Nest Realty

Broker/Owner • info@newnestrealty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

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 (He will handle the rest.)

286 Genesee St Suite 1 Utica, NY 13502

315-796-2258

mortgageCorner

Mortgage Loan Tips Finding the right mortgage loan when purchasing a house can be very hard and frustrating. Especially, if it is your first time of taking a loan.

Buying a house and taking a mortgage loan on the house is a big step for you since it involves a lot of risk. You probably don’t know what to do or where to go. Do not allow other people take advantage of you ignorance. Take the time to learn everything there is to know about mortgage loans. Here are some mortgage loan tips to guide you on what to do.

The very first step you need to take is to shop around for lending companies offering mortgage loans. You can do research in the internet or personally talk to people who are experts in the field. Check out not only three but more than six lending companies and get estimates or quotes from each company to be able to compare. Then as you get to know each company inquire about their interest rates both in fixed and adjustable, fees and services being offered.

With all the needed information at hand you can now compare one company to another.

Then it would be easier for you to decide.

By Lindsey Jenkins

advance payments for your loans. The company will obligate you to pay the lending company six months worth of interest that you just paid in advance. So in the long run you still had to pay the interest even if you have made advance payment of the loan.

Quicksand loans should be avoided at all cost.

This kind of loans contain combinations of short-term, high up front fees, high rates, balloon payments, exorbitant late fees and prepayment penalties. All these could swallow all your equity and ruin your financial position.

Review everything and in details before you sign any contract. You should know what every paragraph is saying. Go for lending institutions that offers the best deal and one you are most comfortable with.

Are you looking for more information regarding mortgage loan tips? Visit www.hostingwww.com today. (EzineArticles.com)

NO Downpayment • NO Monthly PMI Call for Details

December

Financial Services, Inc. 315-404-5253 Mortgage Originator

Licensed Mortgage Banker • NYS Banking Department

LoWEST

Rates in the Area!

10 Main Street • Suite 200 2nd Floor Whitesboro, NY • HomesteadFinancial.net www.Life and Homes .com

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L i f e and H o m e s

Adam Hearty

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Be wary of prepayment penalties. Prepayment penalties are incurred when you make

You should have an idea on what mortgage plan will work best for you. What interest rate will be sustained by your current income? Take the time to study the advantages and disadvantages of the different mortgage loan types. Educating yourself will be an advantage for you. All these mortgage loan tips will hopefully help you make sound decision that will work best for your situation.

100% Purchase Money Loans

Never allow a company to encourage you to commit fraud by claiming that the loan is intended for business use when in fact it is for personal, family or household use. A loan that is based in wrong information will never get far nor prosper.

Get to know and understand everything about the loan you are taking. You have to know why you are paying it and know the different fees you are paying for.Every detail of the loan should be familiar to you and understood by you.

Find out what is your credit report and check for any errors in the report. A good rating on credit report helps in the early approval of your loan.

Home Service network

Exclusive Members That Have Shown Exceptional Customer Service

The Missing Pieces to a Hassle-Free Home Heating

Builders ADIRONDACK BUILDERS 315-942-4949 Log Homes, Basements, Custom Kitchens, Member Since 08/09

Additions, Carpentry. General Contracting.

Electrical Work. Log Homes, Basements, Custom Kitchens, Additions, Carpentry. General Contracting. Electrical Work.

MOHAWK HOME COMFORT SERVICES 800-432-8669 Heating Oil, Kerosene, Diesel, Gasoline & Member Since 09/07

Member Since 09/07

tion System on the Market.

Energy ENERGY & INSULATION SOLUTIONS 315-285-5074 Serving all of the North Country. From the Member Since 04/10

takes” to ensure that you are thrilled with your new system and energy efficiency.

Home Inspection HOME PRO HOME INSPECTIONS Professional & curteous service -certified & 315-768-6823 315-723-2258 insured. Inspections for buyers & sellers include: Member Since 11/07

Excavating BCS EXCAVATING 315-841-3573 Deansboro • Servicing CNY. Bobcat and mini Member Since 03/06

excavator, Septic, Sewer,Trenching, Posthole Drilling, Demolition

Fireplaces & Stoves THE HEARTH SHOP @ UNIV. BLDG SUPPLY 315-337-3340 CNY’s Source for Warmth! Fireplaces, stoves, 315-732-2350 inserts,logssets - biofuels, gas, pellet or wood. Also Member Since02/08

Central New York

TRU-LINE LANE & FLOOR 315-735-5299 High quality dust free floor refinishing. Genera-

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L i f e and H o m e s

mantles, custom stone work, custom hearths.

Free estimates.

Flooring tions of high tech methods, knowledge and hard working values provides a stress free experience.

Furniture IRONWOOD FURNITURE 315-853-7300 Serving CNY. Quality Amish Solid Wood Furniture

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Member Since 05/10

ence Building Log Homes Throughout New York State Including the Adirondack Mountains.

Modular Homes NEW HOMES MODULAR CO 315-891-3254 Serving CNY. “The Best Homes at the Best Prices.”

Member Since 06/07

We will not be undersold. “Stickbuilt Quality” Modular Homes.

Adirondacks to Lake Ontario.We come to you!

Member Since 07/08

Member Since 09/07

CEDAR HOMES OF DISTINCTION 315-824-1571 We have our own Crew with over 25 Years Experi-

structural, mechanical, plumbing, radon, & water.

SMITH INSPECTION SERVICES, LLC Serving CNY and the Mohawk Valley. Pre-listing 315-363-8074

Member Since 05/10

tion of Kitchen Design Center & Custom Stair & Millwork.We handle Yorktowne & Kraftmaid Cabinetry

Log Homes

THE HEARTH SHOP @ UNIV. BLDG SUPPLY 315-337-3340 Easy Track Closet Systems - Estimates, Design, 315-732-2350 Installation.The More Economical, Easy InstallaMember Since 02/08

Member Since 07/08

Heating Equip. Propane in Oneida County. www.SuperiorPlusEnergy.com

COUNTRY SUBURBAN HEATING & AIR CONDITIONING 315-735-5300 Country Suburban will do “Whatever it

Closets

KITCHEN DESIGN CENTER Serving CNY. Check out our winning combina315-724-7049

at Affordable Prices. See our great selection of Tables, Chairs, Hutches, Bookcases, Bedrooms, and much, much more. www.IronwoodCNY.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 .

& Buyer inspections, Septic Systems, Inspections & Dye Tests,Water Purity.The Only Local NYS DOH ELAP Certified Continuous Monitor Radon Testing Lab in Oneida County.

SHIRE INSPECTION SERVICES, INC Performing quality inspections at a reasonable 315-420-2832 Member Since 01/09

price, I pride myself in providing a comprehensive, independent evaluation of your home!

Insulation

Overhead Doors OVERHEAD DOOR CO. OF UTICA, INC 315-768-7886 Over 50 years combined door experience Member Since 05/10

Stone & Landscaping Products MADDEN CONCRETE & MASONRY SUPPLY 315-724-8111 Retaining Walls, Patios, Mulch & Stone, Fire Pits Member Since 03/08

ENVIRONMENTAL CONTRACTING 315-269-7900 Serving CNY. Specializing in Spray-On-Foam. Fully Member Since 09/07

with fully trained service tech’s. We offer 24 hr emergency service 7 days a week.

Residential or commercial.

& Places, Masonry Tools, Decorative Stone. Call Today For All Your Landscaping Needs.

Insured. Energy Saving Benefits. Free Estimates

Swimming Pools

Insurance LIBERTY MUTUAL 315-732-6000 I’ve helped people save hundreds of dollars and I’d x53538 like to help you too. Multi Policy Discount • Special Member Since 09/10

Group Discount • Accident Forgiveness • New Car Replacement • 24 Hour Claims Assistance

Kitchen & Baths EMPIRE BATH & KITCHEN, INC. 315-733-0408 Empire is a locally owned company featuring Member Since 04/08

a complete kitchen & bath showroom. Our cabinet lines include: Omega, Plain N’ Fancy and Armstrong. Let our design team help you with your next project.

TREEN’S POOLS 315-717-6499 Sales • Service • Repairs • Installation • Quality & Member Since 04/09

Dependable Service for 20 Years.

Waterproofing WILCOX BASEMENT SYSTEMS, INC 315-896-3979 Serving All of CNY. Basement & Crawlspace Member Since 03/07

Waterproof Solutions. Foundation Repair. www.wilcoxbasement.com

Laura Minard

4957 Commercial Drive Yorkville NY

768.1680 Ext. 205 525-1974 Cell

Have a Joyous Holiday!

Make 2011 the Year for Your New Home

3/4 bedroom 1 bath $44,900

Private lot just off the parkway.

Buckland Estates from $269,900 Closing cost offer.

3 Bed, 2 Bath Ranch $299,900 Under Construction Westmoreland 4 Bed, 2.5 Bath $209,900

PRICE CHANGE! 3 bedroom 1.5 bath $69,900 Huge Yard- Room to Expand.

Fireplace, Hardwood Floors!

PRICE CHANGE Deerfield $202,900 3 bed 2.5 bath 2 car. Perfect move in condition! Great home for the holidays with quick closing available

Colonial Square from $189,900 3 Bed, 2 Bath, 2 Car on full basement! Twin Home ready now!

2 Bed, 2 Bath, 1 Car- Radiant Floor Heat - Twin Home!

3 Bed, 2 Bath, 2 Car Detached Home full of luxury features.

Must see if you want amazing!

New Construction! Many Locations to Choose From!

Colonial Square Come Tour Our Newest Model!

3/4 bedroom 1 bath $44,900 Original, natural woodwork & hardwood floors. Well cared for family home. Monthly payment less than rent!

Buckland Estates

Under Construction!

For more information on these and other homes in the area go to www.LauraMinard.com or email lauraminard@cbpp.com

Serving the Mohawk Valley Since 1976

732-3113 2617 Genesee Street

Utica, NY 13501 www.century21.com

Jon Purdy Bill Gamett Dick Nikodem Mary Taylor Kathy Maine

Art VanVechten Broker/Owner

Century 21 A Yankee Trader Welcomes Tiffany Accattato

Tiffany was born in Utica, NY. After leaving the area in 1997 living in Tampa, FL and Cary, NC she returned in 2009 with her husband and 3 children to make the Mohawk Valley home again. So, her roots are strong in the community and she readily shares her enthusiasm of the areas revitalization efforts to newcomers.

Hobbies: Health & fitness, Cooking, Music, Reading books & blogs, shopping, decorating, and entertaining.

Tiffany’s enthusiasm and commitment to excellence has been the cornerstone to her successes. She prides herself in making the buying and selling process a pleasant experience for her clients. If you are looking to hire a professional, call TIFFANY. She is a knowledgeable real estate professional and always ready to help!

www.Life and Homes .com

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L i f e and H o m e s

Tiffany relocated her real estate career and experience to the Mohawk Valley affiliating with Century 21 A Yankee Trader specializing in residential home sales, short sales, home staging, creative marketing and 1st time home buyers. She has vast internet marketing experience being the owner/web designer of CNY’s Premier Relocation Guide, REDISCOVERCNY.com

Interests: Social Media Marketing and Networking, Learning new things, Creative Entrepreneurship, Search Engine Optimization, Business Blogging and Technology.

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(315) 732-3113

Prior to real estate Tiffany earned her Associates in Arts and Sciences degree in Human Services at MVCC and spent 16 years working with persons with developmental disabilities and the elderly. She has an everlasting commitment to assist adults on the autism spectrum.

December

Tiffany Accattato

Tiffany provides exceptional service and brings integrity to each real estate transaction. As a real estate professional licensed in NY, FL and NC she has completed countless hours of advanced studies in real estate law, real estate procedures, sales, and marketing.

Laura Minard

Licensed Real Estate Salesperson

Twin Home Prices from $189,900

315-768-1680 Ext 205 OfďŹ ce 315-525-1974 Cell Lauraminard@cbpp.com

www.ColonialSquareTwinHomes.com

$299,900

Come to an

Open Ho use Call L aura for S howing

Buckland Estates

Competitive Pricing North Utica

QSN#33997

Central New York

2 bedroom, 2 bath town home with granite countertops, central air-conditioning, and a 12x12 back deck, with the other half of the town home still available for sale in which the home buyer can upgrade to their personal preference and satisfaction.

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L i f e and H o m e s

$209,900

Marcy

BUCKLAND ESTATES

Westmoreland North Utica

$299,900

Brand new beautiful one story home with a full basement, stone entry, hardwood floors, two stall garage, whirlpool tub, gourmet kitchen, spray foam insulation, and energy star windows.

QSN#41645

New Construction in desirable Westmoreland location. 4 bedroom, 3 baths, 2300 sq ft, attached 2 car garage.

To See the Progress of the Homes Pictured Above, Log On to www.LifeandHomes.com and type in the QSN#.

105 Main Street Whitesboro, NY 40

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 .

$239,900

Marcy

NEW CONSTRUCTION

$319,900

North Utica

NEW CONSTRUCTION

$219,900

315.736.0865

stevebuck@buckconstruction.net