LifeandHomes Central NY January 2024

Central NY

Life and

Homes

FREE JANUARY 2024

Residential • Commercial • Multi-Family • Land

Exquisite Living Aristocratic Home & Woodside Guest House Front Cover Featured Listing Pg. 2

Classic Charm Convenient Locations

Thoughtfully Designed

Local Listings

Aerial View

Buy • Rehab • Build - It's Your Year

FREE Area’s #1

Real Estate Guide Making Dreams Come True @ www.LifeandHomes.com

Welcome The Numbers Are In

Table of Contents

The number of first-time home buyers took an encouraging upturn this past year, according to the 2023 Profile of Home Buyers and Sellers report, published by the National Association of Realtors®.

First-time buyers made up 32% of all home buyers, up from last year’s historic low of 26%. That number is still well below the 38% annual average but it seems first-time buyers are increasingly finding the courage to put in an offer.

Household composition in the US continues to shift. Fifty-nine percent of recent buyers were married couples and nine percent were unmarried couples. Fourteen percent of home buyers purchased a multi-generational home, with the most common reasons being to take care of aging parents, to save money, and to accommodate children or relatives over the age of 18 moving back home. The top reason given to sell is to move closer to friends and family. Maybe we've learned a few lessons over the past few years.

Eighty-nine percent of recent home buyers purchased their home through a real estate agent or broker and the same percentage worked with a real estate agent to sell their home. The majority of buyers and sellers still prefer working with an agent who can help them understand and negotiate the real estate market. We're blessed to work with some of the best as you'll see reflected in this issue of LifeandHomes.

Happy 2024 to you and yours.

David P. Lisi, RMC

Real Estate Marketing Consultant

315-865-5845 • Davidplisi7@gmail.com

News ______________Shorts _________________________________________________________________________3__ Applewood 4 Lori Hamlin 4 _Dominion ______________________Homes ________________________________________________________________4__ Diedrich Associates 5 _Cherrywood ______________________________________________________________________________________5__ Jury Duty 6 Susan Duck 6 _Urbanik __________________Paint ____________________________________________________________________6__ InspectCNY 7 Ann McGrath Law 7 Joanne ________________Zennamo _______________________________________________________________________7__ 1st ________Rome _____________Realty __________________________________________________________________8__ _Coldwell ___________________Banker ________________Prime ___________________________________________________9__ _Pondra's __________________Home _______________Hearth __________________________________________________10 _____ RA ________Wilkes ____________________________________________________________________________11 _____ Bruce Graham 12 Lawless Real Estate 12 _Advanced _____________________Home _______________Inspection _______________________________________________12 _____ Pavia ____________________________________________________________________________________13 _____ Caroline Marino 14 Azza ____________Giorgi ________________________________________________________________________14 _____ Susan Alberico 15 Paul __________Sacco __________________________________________________________________________15 _____ Mark Canter 16 Town & City 16 _Emily's _______________Cleaning ____________________________________________________________________16 _____ Deborah Fontes 17 _Green ______________Sage _____________________________________________________________________17 _____ Michelle Thompson 18 Rescue Mission Utica 18 _Grace _____________Williams ____________________Creative __________________________________________________18 _____ _Amish ______________Made _____________Cabinets ________________________________________________________19 _____ Amodio __________________Realty ___________________________________________________________20-21 ____________ Julie ___________& _____Co ____________________________________________________________________22 _____ John Brown __________________________Team __________________________________________________________23 _____ _Jamie ____________Mazuryk ________________________________________________________________24-25 ____________ Great North 26 _Two _________Sisters _______________Events ___________________________________________________________26 _____ Advanced Home Inspection 27 _Sensible __________________Holdings _________________________________________________________________27 _____ _Sterling ________________Real ___________Estate ________________________________________________________28 _____ Bird's Adk RE 29 _South _____________Fork ______________________________________________________________________29 _____ ADK ____________Realty _________________________________________________________________30-31 ____________ MLS ___________Directory _____________________& _____Professionals ________________________________________32-33 ____________ Calvin Lyon 33 Joseph _______________Orr _____________________________________________________________________33 _____ Upstate Premier Mtg 34 PMD _____________Business ___________________Groups ____________________________________________________34 _____ _Products ___________________& _____Service ________________Directory ____________________________________35-36 ____________ _Mike's ______________Floor ____________Store _________________________________________________________37 _____ Ryan ____________Hastings ________________________________________________________________________39 _____ HUNT 40

As Featured On The Front Cover For more information on this Front Cover Featured Listing,

Contact:

John Brown Lic. R.E. Broker

28 Jordan Road, New Hartford NY 13413

7 Bedroom | 5.5 Baths | 5,382 Sq.Ft | 5.5 Acres An exquisite living experience awaits the discerning luxury buyer in New Hartford's most coveted enclave of refined homes. This 5.5 acre Estate setting is a remarkable find, with a home and guest quarters.

315-570-6640

john@johnbrownsells.com john.centralnyhomes.com

Life and

Homes ONEIDA, HERKIMER & MADISON COUNTIES Corporate Office Lisi Merchant Solutions, Inc. PO BOX 18 HOLLAND PATENT, NY 13354

315-865-5845 www.LifeandHomes.com Owner DAVID P. LISI Davidplisi7@gmail.com

Corporate Editor KIM LISI

kim.lisi.79@gmail.com

Advertising Deadline February 2024 Issue

Ad Due January 19, 2024 Senior Account Executive

David Lisi, RMC

Davidplisi7@gmail.com

P: 315-865-5845

Sales Representative

Doug Benson, RMC dbenson@LifeandHomes.com

P: 315-368-5040 (call or text)

Sales Representative

Joseph Krongold,

Lic. Assoc. RE Broker Howard Hanna - Clifton Park

josephkrongold@howardhanna.com

P: 518-867-1299

LifeandHomes™ is published monthly by Lisi Merchant Solutions 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 inquire, directly or indirectly, from using the contents of this site.

Copyright © 2024 Lisi Merchant Solutions, Inc

The John BrownTeam Central New York

(Oneida, Herkimer & Madison Counties)

Capital Region

$130 Billion In Credit Card Interest & Fees

Charged By

CC Companies

of 2022 surpassed $1 trillion for the first time, and annual spending on credit cards increased to $3.2 trillion.

Consumers with revolving balances were charged more in interest and fees than they earned in rewards: In 2022, consumers who carried debt from month to month paid 94 percent of total interest and fees charged but earned just 27 percent of rewards at major credit card companies. (consumerfinance.gov)

A recent Consumer Financial Protection Bureau (CFPB) report on the consumer credit card market reveals that in 2022 credit card companies charged consumers more than $105 billion in interest and more than $25 billion in fees. Total outstanding credit card debt eclipsed $1 trillion for the first time since the CFPB began collecting this data.

Five Things

The report highlights areas of concern, including more consumers carrying balances month to month, with many falling deeper into debt over time, while credit card company profits remained significantly above pre-pandemic levels.

Don't Waste

“Last year, Americans paid $130 billion in interest and fees on their credit cards," said CFPB Director Rohit Chopra. "With credit card debt crossing the trillion dollar mark, we will be working to prevent bait-and-switch tactics when it comes to rewards and to increase refinancing activity so consumers can get lower rates.”

Credit card company profits remain high: Major credit card companies’ profits are now higher than pre-pandemic levels, potentially signaling a lack of competition in a market consistently dominated by the top 10 credit card companies.

Consumers were charged $14.5 billion in late fees, returning to pre-pandemic levels and up from $11.3 billion in 2021: Late fees continued to be the most significant fee assessed to cardholders in both dollar amount and frequency.

Credit card debt reached a record $1 trillion: The CFPB’s data showed credit card debt at the end

Millionaires

Say They Money On Financial planner and author Tom Corley uncovered some interesting facts when he spent five years interviewing 233 millionaires and studying their financial habits.

In an article prepared for CNBC, Croley is quoted as saying, "I was particularly interested in what they spend their money on. But almost everyone told me what contributed more to their wealth was that they stopped wasting money on certain things." Those items include:

pieces that will last longer. In their opinion, spending more initially on quality items is less expensive than constantly replacing cheaply made or trendy items.

3. Major home or car repairs - They prefer to keep their cash ito avoid being nickeled and dimed. “Many of the millionaires told me that given the option, they preferred to spend money on completely replacing things like old roofs, washing machines, dishwashers, refrigerators, furnaces, and even vehicles, rather than putting their hard-earned funds towards expensive repairs,” says Corley.

4. Outdoor tools and equipment - No Saturday morning lawn mowing or snow blowing for this bunch. They have people for that. Hiring out landscaping and other outdoor maintenance activities, they say, buys them more time to rest or relax.

5. Lottery Tickets - The odds of winning a Powerball jackpot — no matter the size — stand near 1 in 292.2 million. Chances of taking home Mega Millions' top prize are even lower, at about 1 in 302.6 million. Your money is best spent elsewhere. Enough said.

Bob Lotich of SeedTime.com, author of Simple Money, Rich Life, reminds us saving money is "the big secret all these millionaires know about being financially successful." Lotich suggests three steps can lead you in the direction of financial freedom.

1. Processed and packaged food - Once they had the financial ability, many of the millionairs Corley interviewed said they stopped buying low quality, processed foods and opted instead for organic, ethically-sourced, high-quality produce and meat.

• Start saving NOW - even if it's only 1%.

• Make it automatic - " The importance of this can not be overstated!, reminds Lotich. " They didn’t depend on their willpower to save. Instead, they made it automatic. So again, TODAY, set up your bank account to automatically save a percentage of your money."

• Shift from addition to multiplication - "They weren’t investing to get rich quickly but instead investing wisely, safely, for the long term."

2. Cheaply made products - They steer away from trendy pieces for both clothing and furniture pieces and invest instead in classic, timeless

Visit SeedTime.com for more practical financial, saving,and investing (sprinkled with fun ) advice. (moneycontrol / cnbc/ seedtime.com)

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Applewood Community & Applewood Heights

Where Affordable Living Takes Shape!

Friendly, Inviting, Manufactured Housing Community

Located in the Town of New Hartford • 21 Applewood Blvd. Clinton, NY 13323

No Tax Bills • NYS Star Rebate • Home Mail Delivery Concrete Pad • Public Roads • Garbage Pick Up

315.793.3040 • www.applewoodcommunity.com • Family Owned & Operated Amy Abdoo

Licensed R.E. Broker PO Box 13 Clinton, NY Phone: 315-794-2653 Email: Blon316@aol.com

www.dominionhomescny.com

Happy New Year!!

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$74,900 CANASTOTA

540 Ohio City Rd - Tranquil 2-bedroom, 1-bath home country retreat. Private, 2 sheds, interior awaits some TLC. Newer metal roof. Garage w/access door, basement with indoor and outdoor entry points.

118 Getmac Ave - Renovated from the roof to the crucial systems, this 3 bedroom, 1 bath has seamless flow between kitchen and living room. Spacious yard, peaceful, dead-end street, enjoy this peaceful escape.

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HOLLAND PATENT

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$124,900 ILION

7793 Park Ave - Spacious old style home, 3 bedrooms, 2 full baths, possible 4th bedroom in the walk-up attic area. Large, detached garage once used as an auto mechanic shop. Great potential.

CASSVILLE

$189,000

$99,500

161 2nd Ave - Great investment property!

Corner commercial property includes office space ( approx 1000 sq. ft.) and 800 sq. ft. 2-bedroom apartment with stackable washer/dryer. *PRICE REDUCED $104,400

3 bedroom, 1 bath. 1,783 sq. ft., Quiet setting, kitchen w/ eat-in, 1st floor laundry, stone fireplace.

4

LifeandHomes

Central New York

55 E. Main Street,

Mohawk, NY 13407

(315) 866-7702

www.CNYValleyRealty.com

!

D L O S

!

D L O S

Valerie Duncan

315-868-6924

Geri Simonette-Hendrix

315-868-4833

Michael Steele

315-941-0890

Lic. Assoc. RE Broker Lic. Assoc. RE Broker Lic. RE Salesperson

HAPPY NEW YEAR!!

!

D L O S

Clyde Diedrich/ Lic. RE Broker

315-868-4339

!

D L O S

We Appreciate all the Buyers ILION $399,900 SPRUCE LAKE $239,000 and Sellers that entrusted us ILION $134,900 NEWPORT $229,000 A great home on Applewood- featuring main Lakefront home with over 160’ frontage on Spruce Historic Gem- 250 year old 3 bedroom 1 ½ bath Unique country property with 7.7 acres, Spacious . with their Real Estate Needs floor primary BR suite, living room, family room, Lake!! Features 3 BR, a bath, LR, kitchen, Great home with living room, dining room and kitchen, lower level with 3 bedrooms, a bath and open LR 3 upstairs bedrooms and a beautiful home office.

2 car attached garage and IG pool top it off.

MUTIPLE OFFERS- PENDING IN JUST DAYS!!

!

D L O S

ILION

Room, Oversized garage and Pole barn. Swim, kayak, snowmobile from home. CALL US TO LIST YOUR HOME!! ONLY DAYS ON MARKET.

List with US TODAY!

nice yard and private back deck. PENDING IN JUST DR and Kit. Upper level is new addition, 2,250 sq.

DAYS!! LIST WITH US ft. open- unfinished space. Includes 2 car garage and nice pond. LIST YOUR HOME WITH US!

!

D L O S

LAND & LOTS

$158,500

Well maintained home with spacious kitchen, open dining area and living room, 3 bedrooms, 1 ½ baths, garage all on an over ½ acre lot. JUST DAYS ON MARKET- WE GET IT DONE FOR YOU

NORWAY

$46,500

Country home on 0.4 acre lot. Re-hab project with 4 bedrooms, bath, living room, eat-in kitchen, office and more. Has vinyl siding, metal roof on half and some new windows. Flip it by Spring.

OPPPENHEIM- SALE PENDING - $14,500 2.8 Acre level, wooded lot with electric Ideal for your new home. Just $14,500.

MOHAWK- SALE PENDING - $44,000 12 acres- mostly open, great site for new home, recreation right out your back door.

FRANKFORT- SOLD- $69,500 7.8 Acre country lot with driveway, survey, and drilled well. Part open and woods- great views.

SCHUYLER - SOLD - $33,500 38 acres wooded lot, adjoining town park, crossed

by Sterling Creek. Great for hunting, 4 wheeling.

LIST YOUR LAND WITH US TODAY

HERKIMER

$113,900

Classic 4 bedroom village home with beautiful natural woodwork, hardwood floors, garage, private yard and patio. UNDER CONTRACT IN JUST DAYS- PUT US TO WORK FOR YOU!!

ILION- SOLD- $89,900. Affordable village home

with flex design, Spacious kitchen, dining room, den, living room and home office plus 3 bedrooms and a bath. Attached carport, workshop & storage sheds. SOLD ABOVE ASKING PRICE- LIST WITH US

A SUN COMMUNITY

Central New York’s Premier Active 55+ Community

AMENITIES INCLUDE: Clubhouse, Outdoor Pavilion, Fitness Center, Fitness Classes, Social activities and more!

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UE AL V T EA GR

$285,995 Stone Exterior

$282,995 Open Layout

$217,995 Wooded Site

115 Woods Edge Drive, Clinton NY

118 Woods Edge Drive, Clinton NY

7 Dogwood Lane, Clinton NY

This home has white kitchen cabinets with large grey island. 10x17 private deck, attached 22x 24 2 car garage. Laminate flooring installed throughout home except the baths. Large walk in tile shower with built in seat and spectacular stone exterior on the garage!

Our popular Clinton model with french doors that open into flex room that can be office, den or bedroom. Kitchen has stainless steel appliances, white cabinets, large island, tile backsplash and black sink! 24 x 24 2 car attached garage , walk in tile shower plus so much more on a great site.

A rare opportunity this is one that will not be on the market long. Quiet site with private backyard. 22’x22’ 2 car attached garage, wall oven, microwave cabinet and electric cooktop. Washer and dryer are included. This one is priced to sell and currently vacant so tours can be arranged anytime.

3 Bedrooms | 2 Bathrooms | 1,360 Sq. Ft.

3 Bedrooms | 2 Baths | 1,440 Sq. Ft.

3 Bedrooms | 2 Baths | 1,179 Sq. Ft.

1 Cherrywood Circle, Clinton NY | (844) 573-7888 | www.cherrywoodcommunity.com Monday - Friday: 9am-5pm, Saturday: 9am-3pm Or by Appointment | OPEN HOUSE Weds 2-4 & Sats 11-1

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Start your New Year with Palm Trees and Sand NOT Potholes and Snow!

We Take Out Your Trash

Forget Jack Frost..... Call Suzanna Duck and Fly South!

• Pre/Post Move Cleanouts • Debris Removal • Garage/ Basement/Attic/Barn • Recycling

Serving the Mohawk Valley since 1993

Todd Jury

315-853-6468 • 315-794-3865

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LifeandHomes

Central New York

Instant Info 24/7 on ANY Listing Property Scan QR Code with reader for Free Mobile Search Site

Suzanna Duck

Century 21

Suzannafloridarealtor@gmail.com

662 S. Gulfview Blvd. Clearwater FL 33767

(C): (727)580-3988

Coast to Coast

INSPECTCNY - Home Inspections -

Jeff Pilipczuk | Inspectcny LLC NYS License #16-00000-8535

CENTRAL NEW YORK'S MOST EXPERIENCED HOME INSPECTORS.

40 YEARS

315-404-1995

Of Excellence

jeff@inspectcny.com www.inspectcny.com

2919 Snowden Hill Rd.Sauquoit NY 13456-2024 Commercial And Residential Inspections * Radon Testing * Water Tests * Environmental Testing

Real Estate Transactions & Estate Planning.

Law Office of Ann McGrath

Recipient of Coldwell Banker Faith Properties 2022 Top Selling Agent Bronze Award Call me or text me today:

Joanne Zennamo Licensed Associate R.E. Broker

C: (315)868-3226

Ann McGrath, Esq

joanne@centralnewyork.com

8196 Oswego Rd (Route 57) Liverpool, New York 13090

#yourrealtorforlife

Office: 315-299-3441

#makeyourhouseahome

AnnMcGrathEsq@msn.com

#itsallaboutpeople

I don’t just sell houses, I specialize in “homes”

www.AnnMcGrathLaw.com

2811 Genesee St., Utica, NY, 13501

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1 ROME REALTY

Professional Real Estate Consultant

ST

Broker Fred Macchia

315-337-4390

1006 Black River Blvd, Rome, NY 13440

www.1stromerealty.com

Fred Macchia, CCIM Broker/Owner

Fred Macchia Lic. RE Broker/Owner CCIM 315-292-0373

10076 Davis Road, Deerfield

7766 Sandy Circle, Rome NY (Town of Floyd)

Very nice ranch with three bedrooms. Country kitchen with slider to backyard, living room, family room with woodstove. Great location with easy access to Rome, Utica and Oriskany. 1st floor laundry, some new windows and floors. One-Stall Garage, 100 x 159 lot size, Oriskany school district. $169,000 | MLS #S1485777 L CIA ER M OM

Absolutely beautiful home on ten acres with three bedrooms, two full baths, spacious eat-in kitchen, living room with gorgeous stone fireplace, 23 x 24 family room in basement, office, sunroom, first floor laundry, mudroom with pellet stove, and an attached two-stall garage. The exterior boasts an inground swimming pool, finished pool house with lights and a second twostall garage/pole barn. MLS#S1497723

Maria Dailey Lic. R.E. Assoc. Broker

CRB, GRI, ABR

315-338-1917

L CIA ER M OM

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0 Erie Boulevard, Rome

1.04 Acres, excellent corner location in a high traffic area with stop light installed at intersection. $395,000

908-912, 914 Erie Blvd. W., Rome

Prime location for any type of business.

Plenty of parking and great visibility. $429,000 | MLS# S1427127

Jim Cilente Lic. R.E. Assoc. Broker 315-225-3082

6188 St Rt 5, Little Falls

1,800 sq. ft, single story. 30 parking spaces, asphalt roof, electric heat, vinyl flooring. $295,000

500 N. James, Rome NY

The famous Big Daddys sub shop located at 500 n james street. A sixty year successful business. Owners retiring. Included in sale, builging with two upper apartments, business.

601 East Garden Street, Rome

Beautiful colonial home with four bedrooms and 1.5 Baths. Home has been updated, but the charm remains. Lovely kitchen, spacious dining room, living room with fireplace, gracious entry hall. Outside find a welcoming porch sitting area and two-stall garage. MLS1481251

Joann Mooney Lic. R.E. Salesperson 315-886-1094

Lissa Graveline Lic. R.E. Salesperson 315-790-4557 1147 Erie Blvd W., Rome

1149 Erie Blvd W., Rome

1151 Erie Blvd W., Rome

Location! Location! Location! Showcasing three PRIME PROPERTIES for one awesome price. Located directly across from McDonalds restaurant and in-between Dunkin Donuts and Pizza Hut! All three properties combined offer 1.4 acres (with 250’ conbined road frontage), plenty of parking and zoned for any commercial scheme you can think of.

Total Package $650,000

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Lee $449,000 9383 Capron Road - Beautiful 4 BR, 3 bath Ranch on 2.75 acres. LR w/ gas fireplace, DR, central vac, On-Demand HW, garage w/workshop. Chicken coop & greenhouse.Must See! Jodie M. DeCosty** 315-723-8554

Munnsville $187,500 5275 N Main Street - Completely Updated 3 BR Village home offers Kitchen w/ SS appliances, newer furnace, pellet stove, hdwds, & large private yard. Convenient location.

Richard M. Parent* 315-292-8617

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Rome $389,900 7224 Coleman Mills Road - Beautiful spacious country 5 BR 3 bath home w/pool and hot tub. Central AC, wood fireplace, newer roof, hdwds, Kit w/ SS appliances & ample storage.

Debra C. Roberts ** 315-796-2830

LIS

Waterville $139,900 1859 State Route 315 - Ranch w/3BR, 2.5 bath offers open flr plan, hot tub, gas fireplace and is conveniently located.

Waterville Schools.

Joann Koberstein ** 315-527-5806

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New Hartford $225,000 8586 Seneca Turnpike - Investor Opportunity! Prime New Hartford Location! Building Zoned C2-Retail Business. Ample Parking. Bldg needs renovations, being sold as is.

Michele M. Martinez * 315-982-1918

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Whitesboro $139,900 32 Ellis Avenue - Spacious 3BR Village Home w/ hdwds, lrg kitchen w/ breakfast Utica $170,000 bar, sliding doors to covered deck, 2 storage 2011 Sunset Avenue - Move in condition 3BR, 2Bath home offers a flexible floor plan w/ lg sheds. Double lot w/ vinyl privacy fence.

LR, DR, newer kitchen w/ breakfast bar, 1st flr laundry, office & storage.

315-723-8554 Debra C. Roberts ** 315-796-2830 Jodie M. DeCosty**

Lori Hamlin 315-790-0990

Branch Manager

New Hartford $225,000 10 Bradley Road - New Hartford 3BR 1.5 bath Cape w/ flex flr plan. Eat in kitchen, LR w/ wood stove, DR, FR w/sliding door to spacious yard. Vinyl Sided.Great Location!

Lori Hamlin** 315-790-0900

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Terrence Jones 315-272-5225

Ryan Kirch 315-264-4198

Melissa A. Paquette ** 315-723-5584

Tessa Trevisani 315-534-4152

Raymond Kurtyka 315-520-6749 *

All of our New Hartford Licensed Real Estate Salespersons(*) and Associate Brokers (**) service every town and city in the Upstate Utica Area.

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Pondra Bowen Broker/Owner 315-796-1732

9 College Street Clinton, NY

Bill Welch Associate Broker 315-738-1421

Cal Lyon Michael Teesdale Ernie Sportello Associate Broker Lic. Salesperson Lic. Salesperson 315-527-3723

315-794-7625

Mike Rahn Gregory Sacco ABR Angelo Gaetano Brittany Kitchen Lic. Salesperson Lic. Salesperson Lic. Salesperson Lic. Salesperson

315-525-9561

315-796-6408

315-264-9014

315-664-2001

315-600-7808

Serving Oneida, Madison & Herkimer County Areas

HUD Broker • (315) 853-7251

Happy New Year From Pondra’s Homes & Hearth Realty!

Residential UTICA

$149,900

CLINTON

R DE

$270,000

CLINTON

$259,000

CT RA NT O C

$239,000 CLINTON

ICE

3675 Rt 12b - Circa 1900, picturesque French Colonial in Clinton school district with 5 ACRES! Enter into a grand entrance hall, wide staircase, hardwood and wide plank floors throughout, 2 original fireplaces. Decadent high ceilings and original woodwork.

NE

10 Gilbert Rd. - Whitesboro split level on a large corner lot. 3 bedroom, 2 bath home w/ one brand new bathroom and the other in excellent shape. Oak hardwood Rochester flooring throughout. New kitchen floor. Triple closets in the master bdrm. MLS#S1508644

Residential CLINTON

R DE

$249,000

D AN L E T STA

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NE

3622 Rt 12b - Completely renovated 3BR, 2BA 2 story home in Clinton school district.

Huge fenced-in rear yard, a new deck, new well, 1st floor laundry. Plenty of storage with a detached garage and full basement.

MLS#S1483986

$185,000 WEST WINFIELD ICE

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1924 Sunset Ave. - Conveniently located 4 bed,1.5 bath 2 story home in South Utica.

Large principle rooms, refinished hardwood floors and freshly painted interior. Corner lot with ample parking and much more.

MLS#S1501219

` WHITESBORO

3502 Post St.- Circa 1840 home offering flexible floor plan, ideal for entertaining.

3BR, 1.5BA. well maintained from top to bottom with charm and character.

MLS#S1486024

476 Pritchard Rd. - 32.98 acres bordering 77 acres of State Land! Hunters paradise!

Plus a charming 3BR, 2BA ranch, circa 2001.

Mt. Markham schools. This property has limitless potential! . MLS#S1513525

Building Lot $295,000

UTICA

$125,000

CICERO

$159,000 ONEIDA

CT RA NT O C

$129,500

WESTERNVILLE

R DE

$85,000

CT RA NT O C

UN

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6939 Norton Ave. - Westmoreland Schools, COMPLETELY UPDATED. 2BR, 1BA, 960sf.

A new huge Trex deck with above ground pool and deep yard. LR, DR, full FINISHED basement for extra living space and 2 stall garage . MLS# S1489208

1003 State St. -Income producing property in a growing, dynamic community with Pratt Munson College of Art and Design & Players of Utica community theater next door! 2 UNITS, 3BR/1.5BA & 3BR/1BA. Separate Utilities. MLS#S1514048

101 Roxann Ave - Charming 2BR/2BA, 1,365ft home, conveniently located. 2 car garage, versatile layout. Fully fenced backyard, central air. MLS# S1514174

349 Stone Street - Adorable 4BR, 1,486 River Road - 5.44 acres along the beautiful Mohawk River and just minutes from Delta Lake. sf, 2 story home. Fenced-in yard, private There are 3 storage barns on the property, 2 metal pole barns in great shape and an older wood driveway, room to grow here, Oneida barn. MLS# S1494414 Schools. MLS# S1509126

Land

Westernville $85,000

Rome $28,000

Whitestown $21,500

River Road - 5.44 acres.

Minutes from Delta Lake.

MLS# S1494414

Humaston Rd- Private Parcel for home or hunting MLS#S1499281

Clark Mills Rd. - 100 x 313 cleared lot.

MLS# #S1406668

Rome $28,000

Westmoreland $59,900

Westmoreland $49,000

Humaston Rd - 3 acre parcel.

Partial dirt driveway.

MLS#S1499273

Rt 233 - .6 acres. B1 Commercial, build w/ rd. frontage.

MLS# S1496469

Humphrey Rd. - 4.60 acres.

NYS Thruway visibility.

Visit Us at www.PondrasHomes.com 10

LifeandHomes

Central New York

Cold Brook $21,000 Route 8 - .37 acres.

Approved for storage, building, eqip. barn.

`

Call /Text Our Real Estate Staff:

www.nnymls.com

Yvonne Carle, Associate Broker 315-727-2800 New Office Email: hometownteam@rawilkesrealestate.com Erin LaPlante, Associate Broker 315-264-4117 New Office Website: www.rawilkesrealestate.com Bambi Norman, Broker/Owner 315-225-5181 www.cnyrealtor.com www.realtor.com Lorie Lescenski, Associate Broker 315-225-9238

Time To Buy A New Home For The Holidays!!

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Camden

$239,900

1837 State Route 69- Immaculate 3 bedroom, 1 ½ bath ranch home with so many upgrades, custom Cherry kitchen, coffee bar, propane fireplace, detached 2 car garage with walk up attic storage & cabana party room with a nice deck.

MLS#S1510242

Camden

$199,900

2487 State Route 69 - Spacious double home offers 4 bedrooms & 2 ½ baths. Det. 3 car garage, 2 bedroom rental cottage on a ¾ acre surveyed lot. MLS#S1511594

Camden

$89,900

Blossvale

$324,900

2945 Main Street- Golfer’s delight on the 9th hold of the McConnellsville Golf Course! 4 Bedrooms & 2 baths, so much to offer! MLS#S1476486

Osceola

$199,900

65 Mexico Road - Queen Anne style home offers a large lot, 3 bedrooms & 1 ½ baths. There’s a paved driveway that leads to an oversize 2 car detached garage, bring your ideas to this handyman home that needs a little love! MLS#S1486616

Osceola

$97,500

Osceola

$239,900

Florence

$149,900

Camden

$94,900

1216 Milk Road - Well-built nearly new, year-round cottage on a roomy 5 acre wooded lot. Mini split heating & air conditioning, full dry basement, hickory kitchen w/ all appliances, gravel drive, drilled well, power, plowed road & Verizon Fios. MLS#S1492995

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Osceola

$ 249,000

1360 Driscoll Road- Adirondack 1 ½ Story Lodge on 48.5 Acres! Trout pond, adjacent to NYS forever wild state land & right on the C4J groomed snowmobile trail.

MLS#S1494419

Camden

$239,900

3311 Waldron Road-Cute as can be remodeled ranch home with some really nice outbuildings on 13 mostly wooded acres with a back yard pond! MLS#S1505789

1311 Gregory Road- Nearly 50 acres of woods & a 6-acre pond that’s alive with native fish & wildlife located in a very private setting directly on the groomed C4J snowmobile trail & access to nearly 1,000 acres of forever wild state forest land. MLS#S1481543

1545 Florence Road- Tug Hill Handyman Farm on 40.8 acres, lots of barns & storage buildings, circa 1900 farmhouse needs a lot of love, cash only sale to settle an estate. MLS#S1493828

SOLD

10925 Empeyville Road - A adorable 2 bedroom, 1 bath year-round cabin with so many great features on 14 wooded acres! Located on a maintained road for easy access to the T. C Riders Snowmobile groomed trail system right down the street! Mls#S1507425

Is Our Favorite Four Letter Word!

Camden

$85,000

Lot #14 River Road- A great set up with a nice camper under a pole style building & two detached sheds.

There’s underground power, a drilled well & septic system already in place. MLS#S1482056

10619 River Road- Adorable cottage type ranch home on 1.51 acres! Offer 2 bedrooms, living room with propane Empire wall heater, bath with corner shower, eat in kitchen with appliances! MLS#S1513036 G DIN

PEN LE

SA

Florence

$69,900

Lot #6 Lee Road- A simple one room cabin with electricity & a partial bath. There’s an open porch with a great view of the 5 acre wooded lot that’s located on a seasonal private drive with not many close neighbors.

MLS#S1505785

Yvonne Carle

N.Y.S. Lic. Assoc. Broker & Realtor 315.727.2800

N.Y.S. Lic. Assoc. Broker & Realtor 315.264.4117

Call us for Hometown Knowledge & Great Service!

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Parish

Erin LaPlante

$124,900

Lee Center

$239,900

9081 Skinner Road-Immaculate 3 bedroom, 1 bath ranch home with a partially finished poured concrete basement & a 4 car attached garage on a 1 acre fully surveyed private lot! MLS#1503181

Osceola

$29,900

Camden

$59,900

Harvester Mill Road-3.58 acres with 390’ of road frontage with Mill Stream running thru the property, close to Salmon River & Salmon Reservoir with power & phone at the street. MLS#S1497708

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1090 Co. Route #38-Smaller older colonial home with over 12 acres of land & a 3 car detached garage & a 1 car attached garage. MLS#S1503179

Redfield

S

$199,900

694 Barker Road-Old vintage home used as a seasonal hunting camp on 111 acres, adjacent to state forest land along the back boundary for great hunting & privacy!

MLS#S1502685

McConnellsville

$139,900

2841 Main Street- Nearly new 3 bedroom, 2 bath double wide mobile home with inground pool, public water & fish creek frontage too! MLS#S1502812

January

River Road-Village of Camden-2.46-acre lot with Mad River frontage, big enough to subdivide divide & build 2 homes on this property. Public water, sewer, telephone, electric & Spectrum Cable are all available at the street!

MLS#S1500580

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Bruce Graham Real Estate LLC

1587 Dutch Hill Road, PO Box 587 Tully NY 13159

2568 STATE ROUTE 11A ROAD, LAYFAYETTE • $350,000 3 Bedrooms | 3 Baths | 1,830 Sq. Ft. Welcome to 2568 Route 11A! Outdoor lovers dream. Located close to the Apple Festival in beautiful Lafayette. Many recent updates include refreshed laundry room, new entry foyer, painting and flooring. Extra living space with the family room over the garage, and partially finished basement. Professionally landscaped with an in ground pool and hot tub.

Bruce Graham

315-696-5758 Office

ABR, GRI, GREEN, SRES, Broker

www.BruceGrahamRE.com

19 CLINTON STREET, TULLY • $359,000 3 Bedrooms | 2 Baths | 1,621 sq. ft.

Newer 2018 home in turn key condition. Custom built with a spacious kitchen and granite countertops. Open floor plan and layout for any life style. Enclosed porch is added space for 3 season enjoyment. Extra course of block for a high basement ceiling, if you decide to add more living space. Located in the Village of Tully with coffee shops, stores and services close to home. Solar panels convey with the property.

315-415-5561 Cell BGRE@ICloud.Com

1561 OAK HILL ROAD, OTISCO • $379,900 3 Bedrooms | 2 Baths | 2,772 sq. ft.

Golfer’s dream! This move-in condition property adjoins Vesper Hill Golf Course. The open floor plan features a large kitchen/family room combination, generous-sized windows, and views of the golf course. Primary suite with walk-in double shower, walk-in closet, and a balcony with a hot tub! Oversized garage, generator, and panel connection for emergencies.

11254 State Route 12 Barneveld, NY 13309

Robert Lawless (315) 724 -7474

Advanced Home Inspection Service LLC

boblawlessrealestate@gmail.com

Lic. R.E. Broker

28 YEARS EXPERIENCE INSPECTING HOMES 11720 O Brien Rd Forestport

9053 McDonald Road

2.12 ACRES | $60,000

Holland Patent School District | $259,900

Calling all investors for an amazing opportunity. Set on This beautiful property sits on 21 acres in Holland Patent 2.12 acres, enjoy the peace and quiet close to Kayuta School District. The 3-bedroom, 2-bathroom farmhouse Lake and only 30 minutes from both Old Forge and Utica. has endless opportunities. Contact Katarena.

W NETING S I L

W NETING S I L

8571 Edwards Road, Holland Patent 3 BEDROOMS | 2 BATHROOMS | $499,900

Buildable Lot on Edwards Road

8.1 Acres | Holland Patent School District | $59,000

Buy your new home for less than building! This brand new This raw land is ready for you to build your dream home has heated floors, granite countertops, a 60x60 home. Over 8 acres of buildable lot. Electric and High pole barn, in-ground pool with over 8 acres! Holland Speed Internet are Available at the road. Drilled well Patent School District! Contact Katarena Waterman. located on the property. Contact Katarena Waterman.

Katarena Waterman

(315) 335-7110

Sandra Hoyland

(315) 269-3658

hoylandsandy@gmail.com kat.lawlessrealestate@gmail.com Licensed Real Estate Salespersons

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Central New York

Jennifer Hill

(315) 725-1401

jenniferhill.lawlessrealestate@gmail.com

Electronic Reports Emailed Same Day NYS Licensed/Certified Inspector Radon/Water/Well/Septic Testing Providing our clients with an educated inspection of their new home purchase while looking for any minor/major defects.

Don Archer Call 315-792-9029

www.advancedhomeis.com

NEW HARTFORD OFFICE

SPECIALIZING IN COMMERCIAL REAL ESTATE (315) 736.1555 www.paviarealestate.com

Dominic Pavia

John Jweid, Lic. Real Estate Assoc. Broker Brian D. Snow, Lic. Real Estate Assoc. Broker Patrick V. Agen, Lic. Real Estate Assoc. Broker Kevin M. Valenti, Lic. Real Estate Salesperson

President Lic. Real Estate Broker

For Lease: 430 Court Street, Utica

For Lease: 287 Genesee Street, Utica

For Sale: 1155 Mohawk Street, Utica

SYRACUSE OFFICE

5 Oxford Road New Hartford, New York 13413

For Sale: 3859 Oneida Street, New Hartford

151 Northern Concourse, Suite 2 Syracuse, New York 13212 Carole Iseneker, Lic. Real Estate Salesperson Laurence J. Socia, Lic. Real Estate Assoc. Broker

For Sale: 2761 State Route 28, Old Forge

1,619-6,060 ± SF available. In close proximity to The Newly renovated office space within the Genesee- K Music Plaza consists of 10 commercial tenants Building consists of retail/office storefronts along with The 19th Green Motel consists of a 13-unit motel Wynn Hospital, State, County & Municipal office Dakin building is available immediately. On-site including Genesee Nails, Vivid Café and Jackson Hewitt. two 1-bedroom apartments on the upper level. Contact with an additional 3-bedroom apartment, laundry parking in rear of building. buildings. Fully renovated building.

The sale of the Plaza also includes the sale of the U-Haul. broker for P&L. facility and heated swimming pool.

For Lease: 2 Ellinwood Drive, New Hartford

For Lease: 9225 River Road, Marcy

For Lease: 125 Business Park Drive, Utica

For Sale: 2376 Main Street, Clayville

For Lease: 125 Business Park Drive, Utica

Commercial Drive Commons offers this 7,953 ± SF 7,500 ± SF retail space within the Marcy Towne Former wedding venue situated on 35 ± acres for sale. 2,500-15,000 ± SF of office space within the Utica 2,500-15,000 ± SF of office space within the Utica first floor office space in new construction building Center. High traffic and visibility. Ashley Furniture 50 ± surface parking lot. Opportunity for potential Business Park for lease. Located on the first floor of Business Park for lease. Located on the first floor of anchors the center. Space formerly occupied. with co-tenancy with Costello Eye Associates. apartment re-development. Well-maintained property. building. Close proximity to Slocum Dickson. building. Close proximity to Slocum Dickson.

For Lease: 8421 Seneca Turnpike, New Hartford

For Lease: 8360 Seneca Turnpike, New Hartford

For Lease: 6 Rhoads Drive, Utica

For Lease: 350 Leland Ave. N. Utica

For Lease: 1790 Black River Blvd., Rome

2,000-10,500 ± SF available. Crossroads Plaza is situated New re-development within close proximity to major Mohawk Acres Plaza is shadow anchored by Market 1,500, 1,900 & 7,050 End Cap ± SF Available. Great North 2,300-43,000 ± SF Medical/office/flex space located in at the crossroads of Middle Settlement Road and Seneca retail corridor. Located directly across the road from the 32 and located on Rome’s major retail corridor. This Utica location. End-cap visibility from NYS Thruway Exit Utica Business Park. Landlord will sub divide and build to suit. On-site parking.

31 with 107,000 ± AADT. Turnpike with close proximity to Commercial Drive.

Par Technology Park. Co tenancy with ophthalmologist. center is situated within proximity to Griffiss .

Santina “Tina” Pavia Lic. Real Estate Broker

RESIDENTIAL DIVISION 5 Oxford Road New Hartford, New York 13413 (315) 736.1555 • PaviaRealEstate.com

503 Bretts Way, Whitesboro

44 Ironwood Road, New Hartford

Sabrina Arcuri

Lic. Assoc. R.E. Broker

Rosemary Talarico Lic. Assoc. R.E. Broker

Aileen Baile

Lic. R.E. Salesperson

6901 Roberts Road, Clinton

Luke Toukatly Samantha Madderom Amber Platt

Lic. R.E. Salesperson

Lic. R.E. Salesperson

Lic. R.E. Salesperson

10128 Dustin Road, Remsen

Natasha Brutsky Courtney Saxton Lic. R.E. Salesperson

Lic. R.E. Salesperson

87 Washington Drive, New Hartford

5 Bedroom 3.5 Bath home available in Herthum Hills with 4 bedrooms 3.5 baths within 3,400 +/- SF available in 4-bedroom 3 bath home situated on 4.5 +/- acres! Newly renovated 3 Bedroom 2.5 Bath home situated Immaculate 3 Bedroom Ranch located within New attached in-law suite! This home is meticulously kept beautiful South Woods development. Open spacious Escape each day to your own private oasis! This hidden on 2 +/- Acres. Take a look at this beauty! It is located York Mills School District. Located on a corner lot with newer roof, flooring and kitchen, sliding glass door kitchen/dining area and family room with great flow. 1 gem could be yours with its impressive architecture! at the foothills of the Adirondacks. Proximity to Keyuta with a 2 stall attached garage, this adorable house that lead to the beautiful yard with in-ground pool. Extra st floor primary suite, plenty of storage space. Located This home will be sold with lawn and snow removal Lake public boat launch and many snowmobile trails, can be your home! hiking trails, fishing, and boating! wide driveway, Full basement, on-demand water heater. within Hughes Elementary School District. equipment and furnishings. Come take a look!

208 Orchard Street, Frankfort

Looking for your next investment opportunity?!

Look no further, this 2-unit property is ready for its next owner. Conveniently located in the Village of Frankfort on a dead-end street. Come take a look!

120 Pleasant Street, Frankfort

This 2-unit home in Frankfort presents a great investment opportunity for those with a vision for renovation! Nestled in a centrally located neighborhood, the property offers the potential to be transformed into a charming and modern dwelling. 2 separate units provide flexibility.

229 Wildwood Ridge, Frankfort ~RENTAL~

97-99 Prospect Street, S. Utica ~ Rental ~

Sitting on the border of Southeast Utica and Frankfort, 2 Bedroom apartment conveniently located in South come see this townhouse located within the Rollings Utica. Easy access to Genesee St. which take you Hills Development with updated kitched and baths. downtown and strait to the new Wynn Hospital. Also, two bedrooms, 1.5 baths, kitchen, living room & walkable to Market 32, public transportation, and a laundry area. Easy access to NYS Rt. 5 and NYS Thruway. number of eateries.

January

114 Viburnum Lane, New Hartford

5 Bedroom home available within the New Hartford School District! If you are in the market for a beautiful, spacious home, then look no further! This beauty is located within Hughes Elementary School. Immaculate home with a first-floor impressive master suite.

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LifeandHomes

™

Howard Hanna

Wishing You a Very Happy, Healthy, and Prosperous 2024!

Caroline E. Marino

Real Estate Services Formerly Campion-Weeks

141 Genesee St., New Hartford, NY

14

LifeandHomes

Licensed Associate R.E. Broker • Branch Manager Utica / New Hartford Office

C:315-404-7380 • CarolineMarino@HowardHanna.com

Central New York

Howard Hanna

LifeandHomes

™

THANKS A MILLION! One referral might not sound like much, but for a small business like mine,

IT MEANS THE WORLD.

I can’t thank you enough for your continued support

Let My Background Move You Forward!

Susan Schwartz Alberico

Licensed Real Estate Salesperson 141 Genesee St, New Hartford, NY 13413 Email: SAlber7740@aol.com Cell: (315)723-0892

ES CR

5A

7431 Cheese Factory Road, Barneveld • $539,000 • 3 Bedrooms | 4 Baths | 2,353 Sq. Ft. • Totally Renovated 2019-2022

www.howardhanna.com/Agent/Detail/Paul-Sacco/10702677

141 GENESEE STREET Real Estate Services NEW HARTFORD, NY

Winner of Best of the Best 2022 Real Estate Agent

paul f. sacco

Licensed Real Estate Salesperson

315-525-1377 (C) January

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Town & City

G

IN

W NE

T LIS

Real Estate

DESPINA (Debbie) RAUCCI

Lic. R.E. Salesperson

Big or Small - We Sell Them All!

Tony Pavia, Licensed R.E. Broker | 315-735-9850 | apavia8453@aol.com | 3 Arnold Ave, Utica, NY 13501

RESIDENTIAL • COMMERCIAL • LAKEFRONT ICE

PR W

Marcy

$194,900

NE

EAST UTICA $144,900 Conveniently located 4 bedrooms, 2 full baths. Applianced kitchen, finished attic, driveway, fenced yard. Updated.

Asking $149,900.

5846 Park Road- Location! Location! Location! Minutes from Utica, Rome, or Wolfspeed. This 3-Bedroom ranch has hardwood floors, living room with fireplace, large kitchen with a breakfast area, sliders to the covered trek deck and great yard!

CALL MARK TODAY TO GET

YOUR SOLD SIGN !

ICE

PR W

NE

NORTH UTICA $169,900 Updated ranch with full basement. Offering 3 bedrooms, bath, living room, kitchen, dining room and a nice sized yard. Asking $174,900.

Mark S. Canter

Licensed Associate Real Estate Broker

315-794-3452

SOUTH UTICA $129,900 Multi-unit or use as one family. Possible neighborhood commercial. First floor could be office w/ 2nd floor apartment.

Asking $129,900. Call 315-796-1666 For Details.

141 Genesee Street, New Hartford, NY 13413

www.howardhanna.com REAL ESTATE SERVICES

Ready to take on the New Year with a fresh start?

House Cleaning

•Weekly •Bi- Weekly •Monthly • One Time •Spring Cleaning

Commercial Cleaning

•Office Spaces •Small Business Cleaning •Janitorial Services •Apartment Complexes•Floor Care •Corporate Cleaning

Trustworthy Professional Dependable Serving the Utica / Rome area for nearly 20 years

We offer customized cleaning packages that are custom-tailored to meet your needs.

us at 315-822-5743 Happy New Year! Call www.emilyscleaningservice.com 16

LifeandHomes

Central New York

Residential • Multi-Family • Commercial • Investment Mohawk Valley Realty Ventures, LLC L CIA ER M OM

2210 Guilderland Avenue Schenectady $235,000

C

ITS

O TW

6 Lomasney Avenue Schenectady $220,000

UN

Former professional building for sale or lease in Bellevue. Former dental office and lab, building can accommodate two businesses. Main hall with large offices, storage area for supplies, files etc., reception areas, two open rooms, common utility area with sink and counter, two bathrooms and break room. Zoned C1. Suitable for professional, medical, health services, salon, day care, religious, fitness center, retail business.

New Price ! Well maintained two family off Eastern Avenue. Great choice for investor or owner-occupied. Each unit has two bedrooms.

Private driveway and two car garage. Newer hot water tank. Carpet over hardwood floors. First floor has long-term tenant. Start earning income right away! Upstairs unit is vacant.

Swift, Seamless and Successful Sale Call Debbie @ (518) 596-2273 Call Aisha @ (518) 805-9756 www.AgentDebbieSellsSchenectady.com

www.mvrealtyventures.com

4594 Western Turnpike, Altamont, NY 12009

mvrealtyventures@gmail.com

Aisha Khan

Licensed R.E. Salesperson

inta56@yahoo.com

Deborah Fontes Cell 518-596-2273 Licensed Real Estate Broker/Owner mvrealtyventures@gmail.com

Trusted Commercial Lending

Lending Options Include: • Bridge • Commercial Mortgage • Construction • Fix & Flip • Hard Money • Portfolio Rental • SBA Real Estate • Vacation Rental • Asset-Based Loans • Line of Credit • SBA Loans • Unsecured Loans

Deborah Fontes

Licensed R.E. Broker/Owner

Don’t miss out on lucrative investments. Let Green Sage Capital be your trusted source for commercial lending. Take the first step towards financial success and contact us now.

Contact Us Today: Monday- Friday 9 a.m.- 5 p.m.

David Lisi, Consultant Call or Text Cell (315) 269-8469

January

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LifeandHomes

Central New York

Amish-Made Custom Cabinets

Affordable Luxury From Our Country Workshop To Your Kitchen

Love the look of custom cabinetry but disappointed with the work with you to ensure your kitchen, bath, office or other options at local stores? Our Amish craftsmen offer quality, specialty cabinet reflects your tastes, fits your budget, and handcrafted cabinets at prices often lower than factory- exceeds your expectations. made cabinets you’ll find at local big box stores.

With a variety of select wood types, cabinet styles, and finishes Crafted in our family-owned workshop, each cabinet is to choose from, each piece is designed to last a lifetime. Made custom-crafted with skill and expertise passed down to order, our cabinets not only promise superior quality but through the generations. also showcase affordability at its finest.

From the initial design and layout discussions to the custom Check out your options at the big box store then let us show creation and installation phases, our expert craftsmen will you what we can offer!

Serving Central NY, Capital Region & Beyond

Call or Text our rep -315-269-8469

January

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Together with…

Help Spread the Word!

Amodio Realty is looking for heroes to honor in 2024.

MILIT A RY

FIREFIG

HEROES wear many uniforms

PROFESS I O N ALS

RC EMENT

S FIRST RES P O N DER

H T E RS

HEALTH C A RE

LAW ENFO

Amodio Realty gives 25% of earned commission directly to the Hero when we close on the sale and/or purchase of their residential or commercial property.

TEAC H S ER

Stephen J. Amodio - Lic. R.E. Broker/Owner (315) 336-7000 | Joseph M. Orr - Lic. R.E. Sales 20

LifeandHomes

Central New York

er

Stephen J. Amodio

Joseph M. Orr

Lic. R.E. Broker/Owner

Cell: (315) 336-7000

Lic. R.E. Salesperson

StephenAmodio@AmodioRealty.com

Cell: (315) 982-7806

JosephOrr@AmodioRealty.com

Thank you to all the heroes that serve our local communities.

It was an honor to help you achieve your real estate goals in 2023.

TEAC H E R

LAW ENFO

RC EMENT

HEALTH C A RE

MILIT A RY

FIREFIG H T ER

sperson (315) 982-7806 | www.AmodioRealty.com | 6293 Pillmore Drive, Rome, NY 13440

January

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LifeandHomes

Central New York

Hello 2024!

Let’s celebrate the growth & rebirth of our great area!

The John Brown Team is excited to lead the Mohawk Valley into 2024 as the local community experts! Our highly effective real estate strategies will get you where you want to go!

Thank you for your trust &

making us the #1 team in the Mohawk Valley year after year!

Offices in Utica • Rome • Ilion • Sherrill

2811 Genesee Street Utica, NY 13501

The John BrownTeam January

315-570-6640

john@ johnbrownsells.com john.centralnyhomes.com

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NETRUCT

NS

CO

8 Jani Lane, Guilderland • $3,200,000

333 Torquay Boulevard, Guilderland • $2,200,000

Custom four-story home to be built with finishing touches, allowances for each room that can be completed by late Spring. Insulated concrete form wall construction will make this home more efficient than recheck standards.

Amazing views of the escarpment at Thatcher. Landscaped driveway w/ rock as you meander through the circle driveway to more parking, 3 car att. garage.

Discover a masterpiece of luxury living in the heart of Guilderland, where opulence & elegance converge in this Italian-inspired villa. Nestled w/in the prestigious Bentwood Estates neighborhood. Gourmet kitchen, Sub-Zero appliances, a Miele coffee maker, a pizza oven, a six-burner cooktop, a pot filler, & full-size wine fridge. Four spacious bdrms & five full and two half baths.

307 Main Street, Johnsburg • $2,200,000

261 Windy Hill Road, Princetown • $575,000

Opportunity awaits with this thriving, fully operational, 31-room hotel with log/post and beam, stone fireplace bar, & full kitchen. Banquet room can host up to 150+ event space. The lower level can accommodate guests w/ a full gym, sauna in locker rooms, & craft/meeting room. Full laundry facilities. Inground pool, hot tub, & ample parking. Bookings through the end of the year.

Plan on being amazed in this modern farmhouse. Room for everyone to gather with a lite filled eating nook off kitchen, fireplace in living room w/ tile, master bedroom with spa inspired bathroom you will need to see. Walk out basement for extra entertaining and lots of storage. The barn outside has a lift with possible purchase and another addition 16x16 garden shed.

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3355 Route 67, Greenville • $385,000

Come see this amazing ranch with breath taking views of the Catskills. This move in ready has hardwood floors, a wood burning fireplace and central air. Updates include a back pressure treated wood deck, screened in porch and new garage door. Home was recently painted as well. Walk in to the the cozy living room with big bay window situated on 2.66 acres of flat land.

Jamie Mazuryk Lic. R.E. Salesperson

Cell: 518-929-4475

jmazuryk@cmfox.com 24

LifeandHomes

Central New York

G TIN S I L

181 NY-9H, Hudson • $370,000

Well appointed ranch with hardwood floors under carpets, it is an ideal floor plan. Updates listed in PCDS. Views of the Catskills from the kitchen sink will wow anyone. 2 car semi attached garage with breezeway to side entrance also w/ screen doors for in the spring and summer months. Home was converted from oil heat to electric baseboard over 20 years ago.

Serving the Entire Capital Region 2390 Western Ave, Guilderland, NY 12084 Office: 518-861-7030 • www.cmfox.com

4920 Western Turnpike, Guilderland • $199,000

ES CR

A 8+

This pristine 8.53-acre parcel of land is a canvas of endless possibilities. With its sprawling expanse of natural beauty, this property offers the perfect backdrop for your dreams to flourish.

Whether you envision a private estate, a harmonious retreat, or a visionary development, this land is your blank slate, waiting to be shaped into the masterpiece of your choosing.

828 Burdeck Street, Rotterdam • $915,000 • Lease - Main Building $2,500

OPCOMM

PO ERC RT IAL UN ITY

Discover the perfect commercial property that includes a separate warehouse ( with garage door) space and separate office space, which each can be used for different purposes.

With an expansive 3,320 square foot office building and an additional warehouse space, this location offers ample room for workshops, storage, vehicle fleets, and more.

2301 Western Avenue, Guilderland • LEASE $1000 • 3,968 Sq. Ft.

SE EA L L IA RC ME M CO

Whole building or individual office spaces available, immediate occ, triple net included in rent, negotiable. Ample parking, main street, lots of traffic, able to advertise on Western. High ceilings, exposed beams, great location, call LA today. Upstairs has 2 bathrooms, conference room, downstairs has kitchen and another bathroom.

Jamie Mazuryk Lic. R.E. Salesperson

Cell: 518-929-4475

jmazuryk@cmfox.com

Serving the Entire Capital Region 2390 Western Ave, Guilderland, NY 12084 Office: 518-861-7030 • www.cmfox.com January

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LIGHTING SOLUTIONS FOR BUSINESS AND RESIDENTIAL Lighting solutions include warm to white and multi-color LED lighting for Business Signs, Architectural, Landscape, Pathway, Deck, Pool Lighting and more!

State of the art LED lighting technology cuts your traditional lighting costs by 75%.

Great North Lighting Inc.

Get a Business or Residential lighting quote today!

315-709-2774 • mtm267@gmail.com Great North Lighting

Two Sisters Events

EVENT PLANNING, CONSULTING & DECORATING WITH LIZ AND BRIDGET GRADUATIONS BIRTHDAY PARTIES BABY & BRIDAL SHOWERS HOLIDAY PARTIES

Our love for meaningful details and decor helps create the kind of memorable event hosts and guests remember and cherish for years. We’ll help you plan the event of your dreams and then execute the details, leaving you free to enjoy your guests.

(607) 434 -3732

COMPANY EVENTS ANNIVERSARY PARTIES THEMED CONFERENCES RETIREMENT PARTIES

CURATING CUSTOM EVENTS THAT REFLECT OUR CUSTOMERS THROUGHOUT CENTRAL NY INCLUDING ALBANY, UTICA, AND ROME. 26

LifeandHomes

Central New York

Advanced Home Inspection Service LLC

28 YEARS EXPERIENCE INSPECTING HOMES • Electronic Reports Emailed Same Day • NYS Licensed/Certified Inspector • Radon/Water/Well/Septic Testing Providing our clients with an educated inspection of their new home purchase while looking for any minor/major defects.

Don Archer

Call 315-792-9029

www.advancedhomeis.com

Facing These Common Problems?

• Inheritance Property?

• Behind on Payments?

Retirement?

• Job Relocation?

• Facing Foreclosure?

• Divorce?

• Mold or Fire Damage? •

• Bankruptcy?

We buy houses and pay fair prices.

No need to make repairs. We handle it all!

FA S T • C O N V E N I E N T • FA I R

Sensible Property Holdings, LLC

Call or Text: 315-269-8469

January

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LifeandHomes

™

Adirondack Living

BIRD’S

Adirondack Real Estate 2730 Route 28, Old Forge, NY 13420

315-369-2136

“Own A Piece of The Adirondacks!”

Check all the listings at: www.birdsadkrealestate.com ES CR

ES CR

4A 48

A 5+

Old Forge

Business Opp W/ Living Quarters

$225,000 Old Forge

5.3 private acre lot with cleared space for your new home and new driveway. Power and phone hook up are there. Fly in and out in the shared private airport.

$895,000 Old Forge

Marine Dealership - 2730 Rt 28 - Business Opportunity w/ spacious living quarters.

Old Forge Marine dealership & garage includes 2 offices, 50’ X 100’ store & garage on 180’ of road frontage on Rt 28.

$895,000 Cortland

Old Moosehead Hotel- This Former Hotel (The Moosehead) was a lively part of Old Forge in it’s hay day. Boasting over 16 thousand square feet, it can be turned back into a hotel or converted to much-needed apartments for local residents.

$439,000 Old Forge

Lewis County - 484 acre wooded lot with beaver pond. Can be logged and/ or subdivided into 6 - 80 ac. lots.

6.5 ACRES - CITY OF ROME

$139,000

Camping Resort- Year Round Trailer 2 bedrooms and 1 bath, Private back deck and storage shed for enough room for 2 snowmobiles. Another shed in the back. Close to everything including snowmobile trailsEnchanted Forest!

VACATION

RENTAL

Land development at the corner of Liberty ASKING and Gifford Road. Suitable for condos or townhouses. $200,000 Water, sewer, gas. Close to shopping. Variance required.

Life and

Homes

Central NY

Residen

tial • Co

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i-Family

FREE

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SOUTH FORK ENTERPRISES, LLC FRANK 315-271-4490 OR 315-525-8279

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Adirondack Living

Southern Adirondacks

Properties Are My Speciality!

Adirondack Lake Homes, Land & Business!

You’re not just buying an Adirondack property you’re buying a lifestyle.

As a Southern Adirondack specialist, I’ll use my professional expertise and lifelong knowledge of the area to ensure you get the best possible deal.

Choose the #1 Real Estate Office in Caroga Lake.

Call today!

Office: 518-835-ADKS (2357) or Cell: 518-705-5616

518-835-ADKS (2357) www.ADKSrealty.com Email: mel@adksrealty.com 2144 State Hwy. 10, Caroga Lake, NY 12032

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MaryEllen Charles, NYS Licensed RE Broker/Owner Cell: 518-705-5616

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Adirondack Living

Gateway to the Adirondacks! We’re a Sportsman’s Paradise!

Gateway to the Adirondacks! We’re a Sportsman’s Paradise!

SALE PENDING

$249,900 Town of Stratford. 107 Acres!! Borders East Canada Creek!

Beautiful 107 acres of woods, pond and river with 4 Wheeler/snowmobile trails for your own private escape! The land borders the East Canada Creek with State land across the river. Private gated drive leads to the log sided cottage; 2BR/1BA with decks all overlooking a pond and the woods. Enjoy homesteading and Off the Grid living! It is a superb piece of property

NEW! Deeded W.Caroga Lake Beach rights! $225,000

Steps to the lake from this darling 2BR/1BA 3 season cottage Many updates done make this move-in ready! Sunsets forever!

Lake Edward! $157,800 $69,900- E. Caroga Lake Access APA approved surveyed building site plan done on this 12+ Acre lot overlooking no gas motor Lake Edward! Acreage E. Caroga Lake Access via ECLAssoc. Beach ($80/yr) well and is sited across from your private lakefront! State land nearby, super quiet lake with Great fishing! Town of Bleecker, NY. septic in place. Build here or use as base to get on the lake!

SOLD

REDUCED

Adirondack Off the grid getaway! $112,000

Peaceful location borders trout stream, across road is state land, 4x4, snowmobile trails!

All set up for Off Grid living!! Phone and Internet available!

Wooded 10+ Acres Town of Bleecker

Northville Schools! $39,900

SOLD

3.3 Acres Wooded Land Stratford!

Electric, phone at the town maintained road, State Land nearby.

REDUCED

Two for One! This is a Unique Property! $200,000 • Live, work and play here! Artists, musicians, the perfect art gallery, studio, antique shop, doctors or law office, adult or childcare facility or make a private club!

So many updates! Enjoy the spacious private residence. Once the Methodist Episcopal Church and Parsonage, the home has 3BR/1.5BA, bamboo, pine floors, blown-in insulation, new windows, updated baths new oil tank, and more! Freshly painted inside and out! The Church has also been restored, interior has been revamped, freshly painted, new roof, insulated, 2 restrooms. Handicap accessible. Zoned Commercial & 1 Family Residence. .75 acres, big back deck overlooks the level spacious yard. Plenty of parking. Enjoy life in the Adirondacks! Thousands of acres of State land with trails, lakes, 4x4 trails.

SOLD

SOLD

SOLD

Wishing You A

Happy 2024!

WANT TO SELL? CALL MEL!

New Listings Coming! Check the Website www.adksrealty.com 518-835-2357

January

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Marketing Listing Service

MARKETING LISTING SERVICE

MLS BROKER/AGENT DIRECTORY

Our Newest Listings

Lic. R.E. Assoc Broker

Kuyahoora Luxury Lodge & Resort

superdd527@aol.com

315-741-2202

David Drapalski 315-868-3233

Bruce Ward & Company, Inc.

guestservice@kuyahooraresort.com

Amy Abdoo

Janet L. Giacovelli

Elise LaGrange

315-794-2653

315-404-7108

315-369-5440

Lic. R. E. Broker

Lic. R.E. Salesperson

BLON316@AOL.com

janetgiacovelli@howardhanna.com

Dominion Homes Real Estate Brokerage

Howard Hanna Utica/New Hartford

Vacation Rentals Lic. R.E. Broker

elise@adkhearthside.com

ADK Hearthside Realty

Pamela Allen

Azza Giorgi

Robert Lawless

315-717-7530

315- 534-2709

(315) 724-7474

Lic. Assoc. RE Broker

Lic. R.E. Salesperson pfallen0314@gmail.com

azzagiorgi@gmail.com

Bruce Ward & Company, Inc.

Howard Hanna CNY Inc Utica/New Hartford Office, NY

Lic. R.E. Broker

boblawlessrealestate@gmail.com

Lawless Real Estate

Katie Babcock

Christopher Greene

Fred Macchia

315-269-3003

315-225-6037

315-292-0373

Lic. R.E. Salesperson

Lic. R. E. Salesperson

kbabcocksells@gmail.com

cgreenesells@gmail.com

Miner Realty & Property Management

Virkler Real Estate

Lic. R. E. Broker

fmccim@hotmail.com

1st Rome Realty

Sharon Baisley

Gina Hartman

Bill Macri

315-429-9754

315-717-5249

315-360-1920

Lic. R.E. Broker

Licensed R.E. Salesperson ginahartman55@yahoo.com

sbaisley@hbegroup.com

Bruce Ward & Co, Inc.

United Country Real Estate/ HBE Group Inc.

Lic. Associate R. E. Broker bill.joemacrirealty@gmail.com

Joe Macri Realty

Karen Basile

Ryan Hastings

John Macri

315-351-6401

315-219-3116

315-866-2521

Lic. R. E. Salesperson

Lic. R.E. Broker

kbasile11@yahoo.com

ryan@centralnewyork.com

Tree Light Realty

Coldwell Banker Faith Properties

Lic. R. E. Salesperson jmacri40@yahoo.com

Joe Macri Realty

Chris Buck

Patricia Kelly

Mike Miner Team

(315) 617-3300

315-717-2421

315-271-5145

Lic. R.E. Salesperson

Luxury Apartment Complex

NY Licensed R. E. Broker

rentals@thedeltaapartments.com

bward@brucewardusa.com

John “JACK” Carlin

Thomas F. Koehler

Donna Morris

315-429-3395

315-891-3254 Koehler RE/ New Homes Modular

315-534-3987

Bruce Ward & Company, Inc.

The Delta Apartments

Lic. R. E. Broker/Modular Home Dealer

Lic. R. E. Broker

unitedcountry@hbegroup.com

United Country Real Estate/HBE Group Inc. Clyde Diedrich

Joseph I. Krongold

Lic. R.E. Broker

Lic. Associate R. E. Broker CIREC, CBR, SRES, PSA, C2EX

315-868-4339

518-867-1299

rcentur3@twcny.rr.com

Diedrich Associates Valley Realty

josephkrongold@howardhanna.com

Howard Hanna - Clifton Park

MLS Premier Advertising & Marketing Service For as low as 32

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admin@miner-realty.com

Miner Realty & Property Management LLC Licensed R.E. Salesperson donnamorris@howardhanna.com

Howard Hanna CNY Inc. Utica/New Hartford Office

Monica Munford Lic. R.E. Salesperson

315-822-6666

pmumford@twcny.rr.com

Bruce Ward & Company, Inc.

If you would like to be added to the LifeandHomes MLS Directory, contact

David Lisi 315-865-5845 davidplisi7@gmail.com

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Marketing Listing Service

MLS BROKER/AGENT DIRECTORY

MARKETING LISTING SERVICE

Robert Paul

Alex Sen

Ciro “Jerry”Vitiello

315-717-3527

315-725-7167

315-868-9666

NY Licensed R.E. Broker

Lic. R.E. Salesperson

NY Licensed Assoc. R.E. Broker

asensre@gmail.com

rpaul07@yahoo.com

Bruce Ward & Company, Inc.

jerry@jerrysellscnyrealestate.com

Coldwell Banker Faith Properties

Senshine Real Estate LLC

Art Pratt

Joel Siegfried

K Bruce Ward

315-366-3600

315-796-2258

315-796-4425

Lic. R. E. Broker

GRI, Lic. R.E. Broker

Lic. R.E. Broker

joelsiegfried@gmail.com

PrattRealty@ArtPratt.com

bward@brucewardusa.com

SBG, Inc.

Pratt Realty

Matthew Pryputniewicz

Michelle Gorea Thompson

Denise Witchley

315-794-3260

315-335-6971

NY Licensed R.E. Salesperson/ Commercial Director

Lic. R. E. Salesperson

mattrealty@msn.com

315-794-3305

Bruce Ward & Company, Inc. Lic. R.E. Broker

saratogaunion@aol.com

witchleydenisem@hotmail.com

Berkshire Hathaway CNY Realty

Coldwell Banker Faith Properties - John BrownTream

HomeComing Realty

Paul Sacco

Carol Spisak

James F Woodrick

(315) 525-1377

315-269-6933

315-866-0258

Howard Hanna Utica/ New Hartford

Bruce Ward & Company, Inc.

Lic. RE Salesperson

Lic. R.E. Salesperson

paulsacco1013@gmail.com

carol1320@aol.com

Lic. Associate R. E. Broker jwoodric@twcny.rr.com

Bruce Ward & Company, Inc.

Buy & Sell With Ease

Ask about our rebates for military, law enforcement, firefighters, healthcare, emergency personnel & teachers.

Calvin Lyon Lic. R. E. Assoc. Broker

Property Sales and Property Management

Joseph M. Orr

Cell: 315-527-3723

Lic. R.E. Salesperson Cell: (315) 982-7806

clyon@pondrashomes.com

JosephOrr@AmodioRealty.com

Together with…

6293 Pillmore Drive, Rome, NY 13440 www.AmodioRealty.com

HOMES & HEARTH REALTY 9 College Street, Clinton, NY 13323 | 315-853-7251 January

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ww

Mortgage

Home Ownership Made Easy! Pre-Approvals 24/7 Your LOCAL Expert Loan Officer Fastest Closings In Town

From Application to Closing Let Upstate Premier Mortgage • Recommend the loan that fits your personal, financial goals • Educate you about your loan choices • Personally guide your through the loan process Offering a Wide Range of Financing Products • FHA, VA and Conventional & Rehab • USDA Financing with No Money Down • Loans for First Time Home Buyers • Residential 1-4 Unit Properties • Manufactured Home Financing

100% Financing Available Through USDA & VA Low Credit Score Financing Available

Ask about a One-Time Close Construction-to Permanant Loan

• Credit scores down to a 580

Blake Abele NMLS# 556647 Senior Loan Officer 315-800-2396 babele@up-mortgage.com UPSTATE PREMIER MORTGAGE NMLS # 1018489 66 Genesee Street New Hartford, NY 13413

I Strive for 45 Day Closings

Registered Mortgage Broker of New York Mortgages Arranged Through Third Parties

Need More Options Than Just Traditional Real Estate Lenders?

Working with PMD Business Private Lending Commercial Funding Group can give you access to just that!

Specializing in Secondary Mortgage Note Markets, Tertiary Markets, Real Estate Industry, Energy Industry, Capital Markets, and Private Lending Commercial Funding Markets.

www.PMDBusinessGroups.com

PMD Business Business Groups Groups PMD PMD Business Inc.

Contact: PMD Business Inc. | pmdbusinessgroups@yahoo.com PMD Business Inc. 716 7th North Street Liverpool, NY 13088

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315-802-2776

LifeandHomes Product & Service Directory

Looking for Answers to Your Home Related Questions?

Search no further! Consider Your Local Business Expert!

Contracting

Apartment Services GREEN PEA REAL ESTATE (315) 351-2988 Flat Fee Apartment Leasing Includes tenant apMember Since 12/21

SF SERVICES GENERAL CONTRACTING 315-985-5249 General Contracting. Handyman services,

Plumbing, Electrical, Painting, Sheet Rocking, Estate Cleanouts. 30+ Years Experience. Low Rates & Fully Insured. Call Dean 315-985-5249.

plication screening, apartment showings, rent & dep collection. Move-In/Move-Out Statement, plus* 90-Day Landlord/Tenant Support & Retention Guarantee. Call for Details. GreenPeaRealEstate.com

Cleaning/Cleanout Service

Antiques/Estates THE POTTING SHED ANTIQUES 315-736-5214 Estate & house sales, appraisals, coins, vintage jew-

elry, antiques, glass, china, furniture, Americana, art, lighting and more. thepottingshedantiques.com

Cabinets CABINET AMERICA 315-733-6261 Kitchen cabinets and Stone countertops. Excep-

Flooring

JURY DUTY Pre/Post Move Cleanouts * Debris Removal * 315-853-6468 Garage/Basement/Attic/Barn * Recycling Member Since 09/16

MIKE’S FLOOR STORE 315-733-3697 Carpet • Hardwood • Ceramic Tile Member Since 09/12

• Laminate • Linoleum • Vinyl Tile mikesfloorstore@gmail.com

Mike SanFilippo Owner

Garage Doors NORTHERN GARAGE DOOR SERVICES COMPANY, INC. 315-831-8624 or Garage door Installation, Repair, Service C: 315-368-7712 Professional, Dependable, Courteous Service.

Joe Griswold, Owner

Farm & Garden BENSON'S FARM AND GARDEN 315-520-8395 located in Whitesboro, NY has been a family run Member Since 12/21

tional quality and great prices. Fast estimates.

Over 50 years experience. By appointment only. cabinetamerica.net

greenhouse since 1977. We serve the Utica-Rome area offering a wide selection of annuals, vegetables, perennials, and hanging baskets as well as everything you need to build and maintain your pond.

Northern Garage Door Services Company, Inc. Garage door Installation, garage door Repair, garage door Service Professional, Dependable, Courteous Service

Home Inspection ADVANCED HOME INSPECTION SERVICE, LLC 27 years experience. NYS Licensed/Certified 315-792-9029 Member Since 04/13

Inspector. NEHA/NRPP Certified Radon Inspector.

Electronic Inspection Report Emailed Same Day. www.advancedhomeis.com

Central NY's #1 Choice for Home Inspection Services Home Inspections For Buyers and Sellers, Radon Testing, Septic System Dye Testing and Well Water Flow/Well Water Quality Testing.

Not Just A Home Inspection, A Home Education.

Joe Griswold, Owner | Remsen, NY Office: (315)831-8624 Cell: (315)368-7712

Law Office of Ann McGrath

Ann McGrath, Esq 8196 Oswego Rd (Route 57) Liverpool, New York 13090

Office: 315-299-3441 AnnMcGrathEsq@msn.com

www.AnnMcGrathLaw.com

Real Estate Transactions & Estate Planning.

Proudly Serving Rome, Utica, Whitesboro, New Hartford, Clinton and All Surrounding Central New York and Mohawk Valley Areas Since 2015

Patrick Rightmier 315-794-1565

NYS Lic #16000066870 NACHI# 15072212

www.sqhi1.com

Come Visit KD Homes Today

Advanced Home Inspection Service LLC

28 YEARS EXPERIENCE INSPECTING HOMES Electronic Reports Emailed Same Day NYS Licensed/Certified Inspector Radon/Water/Well/Septic Testing

Providing our clients with an educated inspection of their new home purchase while looking for any minor/major defects.

Don Archer

Call 315-792-9029

www.advancedhomeis.com

35 Year Experience • Excellent Quality Competitive Prices • Design Your Home 12 Waterville, NY 13480 A true MonRt- Sat 9am-5pm (315) 841-8700 custom email kdhomes@frontiernet.net Featuring Bill Lake web kdhomesny.com builder Modular Homes

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Product & Service Directory

LifeandHomes Product & Service Directory

Looking for Answers to Your Home Related Questions?

Search no further! Consider Your Local Business Expert!

Home Inspection Cont.

SUPERIOR QUALITY HOME INSPECTIONS Home Inspections for Buyers & Sellers. Radon 315-794-1565

testing, septic system dye testing & well water flow/well water quality testing. Patrick Rightmier. NYS Lic 16000066870. www.sqhi1.com

Mortgages

Insurance PROTECT NY INSURANCE AGENCY 315-795-4900 Homeowners, Automobile, Business,

Landlord Insurance. Jordan Roorda, Principal Agent. www.ProtectNY.com

Member Since 11/13

MLS CNY LIFEANDHOMES MLS 315-865-5845 Serving the Oneida, Herkimer & Madison

counties, we have a simplified and centralized database of area listings to help you promote your new listings and buyer needs to cooperating agents and brokers, plus off-market, solds and historic info.

Featuring Bill Lake Homes. A different kind of home built with pride & integrity by professionals. www. kdhomesny.com

• Linoleum • Vinyl Tile

Todd Jury

315-853-6468 • 315-794-3865

LOCAL INFO

ESTATE & HOUSE SALES • APPRAISALS • ALWAYS BUYING

RENTAL

THE POTTING SHED ANTIQUES

COINS • JEWELRY • ANTIQUES Thurs & Fri 10-5, Sat 10-4 Closed Sunday - Wednesday www.thepottingshedantiques.com

315-736-5214 Dan & Nancy Hartman, 52 Oriskany Blvd, Whitesboro (Next to Kinney’s)

LifeandHomes

Member Since 07/15

airless sprayers, power washers, edgers.

1420 Oriskany St. Utica

Wells/Water Conditioning/Pumps AMBER WATER PROS 315-484-5959 For over 53 years …We've helped customers Member Since 12/21

with superior services, including well drilling, pump installation, water conditioning and more. Water Emergency? Call or Text us 24/7.

Serving the Mohawk Valley since 1993

3 Main Street, Whitesboro, NY 13492 EMAIL: mikesfloorstore@gmail.com

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Blake Abele Licensed Loan Originator

• Pre/Post Move Cleanouts • Debris Removal • Garage/ Basement/Attic/Barn • Recycling

315-733-3697 • Carpet • Laminate • Hardwood • Ceramic Tile

its doors in August 2013, with the concept of providing exceptional customer service. NMLS # 556647

URBANIK’S PAINT CO. Largest selection of paint and wallcovering in 315-724-5129 Central NY. Rentals: floor sanders, polishers, 315-336-0400

Modular Homes KD HOMES 315-841-8700

Member Since 12/21

Painting

REAL ESTATE INSPECTIONS, LLC Comprehensive Residential Inspections, Real Estate 315-868-8287

Inspections, Septic Dye Tests, Radon Testing , Water Flow Testing, Water quality testing. Al zennamo. www.alshomeinspections.com

UPSTATE PREMIER MORTGAGE Upstate Premier Mortgage opened 315-792-8021

Central New York

Life and

Homes

Central NY

Residen

tial • Co

mmercia

l • Mult

i-Family

FREE

JANUARY 2024

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isiteHoLimevi&ng Exqucra Charm Classic ations Aristo tic House venient Loc e Guest 2 Woodsid red Listing Pg. t Cover Featu Fron

Aerial View

Con

ly Designed

Thoughtful

Local Listings FREE #1 Area’s

Real Estate r Year Guide • Build - It's You om Buy • Rehab Dreams Come True @ www.LifeandHomes.c

Call David at 315-865-5845 or email Davidplisi7@gmail.com to participate.

Making

Photo Credit: Wellborn Forest Cabinetry

Kitchen Cabinets & Stone Countertops Exceptional Quality • Great Price • Fast Estimates Cabinet America is a veteran-owned family business. Visit our website at www.cabinetamerica.net

315-733-6261

2150 Oriskany Street, West Utica

By Appointment Only

A Mazza Company / Over 50 Years Experience

Don’t see YOUR Product or Service info in this issue?

Contact David Lisi 315-865-5845 Davidplisi7@gmail.com www.LifeandHomes.com

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Product & Service Directory

Why Pay More, Come To MIKE’S FLOOR STORE! Residential and Commercial Flooring

C A R P E T • H A R D W O O D • C E R A M I C T I L E • L A M I N AT E • L I N O L E U M • V I N Y L T I L E

Registered distributors of Tarkett, Mohawk Flooring, Shaw Industries Inc. Carpet, Southwind, and Fusion.

Transform Your Property - Add Charm & Value

Our flooring design and remodeling services can help you choose the appropriate products

So You Get The Most From Your Budget.

• Consultation • Professional Measurements • Expert Installation • Responsible Cleanups We offer expert multi-surface installations for various applications, including Bathrooms, Kitchens (including backsplashes), Basements, and Staircases.

Locally owned & operated. 35 years experience. Satisfaction Guaranteed.

• Expert Design & Remodeling Advice • Locally Owned/Operated For Over 35 Years • High Quality Products at Discount Prices

315-733-3697 • 3 Main Street, Whitesboro, NY 13492 • mikesfloorstore@gmail.com

January

Michael SanFlippo Owner

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37

Mortgage Questions

Answered

Understanding the difference between

my principal and interest payment and my total monthly payment The difference between your principal and interest payment and your total monthly payment is that your total monthly payment usually includes additional costs like homeowners insurance, taxes, and possibly mortgage insurance.

The principal and interest payment on a mortgage is probably the main component of your monthly mortgage payment. The principal is the amount you borrowed and have to pay back, and interest is what the lender charges for lending you the money.

For most borrowers, the total monthly payment you send to your mortgage company includes other things, such as homeowners insurance and taxes that may be held in an escrow account. If you have an escrow account, you pay a set amount with every mortgage payment for these expenses. Your mortgage company typically holds the money in the escrow account until those insurance and tax bills are due, and then pays them on your behalf. If your loan requires other types of insurance like private mortgage insurance, these premiums may also be included in your total mortgage payment as well.

If your loan doesn’t include an escrow account, you will have to plan to pay these large expenses yourself. Be sure you budget for these extra costs and stay current on your taxes and insurance payments. If you fail to pay your property taxes, your state or local government may impose fines and penalties or place a tax lien on your home.

You could also face foreclosure.

Even if your lender does not require an 38

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Central New York

escrow account, consider requesting one voluntarily. An escrow account makes it easier to budget for your large propertyrelated bills by paying small amounts with each mortgage payment. That way you don’t have to scramble to pay a large property tax bill or insurance premium when it comes due.

What goes into my total monthly mortgage payment?

Here’s how it works: Principal + interest + mortgage insurance (if applicable) + escrow (homeowners insurance and tax) = total monthly payment.

If you live in a condo, co-op, or a neighborhood with a homeowners’ association, you will likely have additional fees that are usually paid separately.

Although your principal and interest payment will generally remain the same as long as you make regular payments on time (unless, for example, you have a balloon loan), your escrow payment can change. For example, if your home increases in value, your property taxes typically increase as well.

When considering a mortgage offer, make sure to look at the total monthly payment listed on the written estimates you receive.

Many homebuyers make the mistake of looking at just the principal and interest payment, leading to an unpleasant surprise when they learn their total monthly payment is much higher.

Many lenders require you to pay your taxes and insurance in advance using an escrow account, but not all do. If there’s no escrow payment listed on your Loan Estimate, these costs won’t be included in your monthly payment to your mortgage lender.

Instead, you’ll have to pay property taxes directly to your state or local government and homeowners insurance directly to your insurance company. To make sure you can afford the mortgage, find out what your property tax and homeowners insurance bills will be, and calculate the total monthly payment yourself. Ask your real estate agent where to get this information.

If one lender requires you to pay taxes and insurance into an escrow account, but another doesn’t, compare the offers by looking at the principal and interest payment instead of the total monthly payment. Make sure to calculate the total monthly payment as well so you can be certain you can afford it. (consumerfinance.gov)

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Commercial

Work With

The Agent Who Knows

Real Estate Investing!

Versatile • Experienced • Innovative

Ryan Hastings Lic. R.E. Salesperson

C: (315) 219-3116

ryan@centralnewyork.com 131 Sherrill Road, Sherrill, NY13461• 143 W. Dominick Street, Rome NY 13440

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