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2010

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Welcome to LifeandHomes™

Life and

Homes

I could hardly believe it was time to turn the calendar to November. Where has the year gone?

Oneida County NY, Edition

The last half of the year has served up a mixed bag of real estate news. CNNMoney reported the possibility of securing a mortgage rate below 5% greatly improved in recent weeks. The foreclosure fiasco got messier with allegations of inaccurate documentation. New home construction sailed to a five-month high in September just as building permits fell to the lowest level in more than a year. Some real estate professionals report a resurgence in business as qualified buyers take advantage of the buyer’s market - others report their bottom line looks more like a flat line. 2010 has been quite the ride so far.

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

We gathered up some great information to help you wrap up the year on a high note. In this issue you’ll find tips on holiday car rental, winterization projects, DIY projects and finances. As always, thanks to local real estate participants, you’ll also find an abundance of residential, commercial and investment properties, along with David P. Lisi , RMC some choice land/lot listings. Low interest rates and and wide range of properties Real Estate Marketing Consultant could make this the ideal time for you to make your move. Don’t see what you’re 315-865-5845 • David@dslisi.com looking for inside? Visit us online at LifeandHomes.com and use the easy-to-use search function to see even more listings.

We sincerely enjoy contributing to the stabilization and growth of the area with our LifeandHomes™ services and hope you’ll do your part to support local businesses by visiting the advertisers who make this publication possible. Give them a call for your real estate and home related needs. Be sure and check out the Home Service Network page, a great resource where you’ll find local businesses and owners who can provide the knowledge and services to help keep your home in tip-top shape.

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

Regional/National Account Executive: Rob T hrasher 315-941-3452

And now that we’ve turned the calendar to November and look forward to Thanksgiving, we can’t pass up this opportunity to thank you, our readers and advertisers, for your overwhelming support. We’re glad to have you as a neighbor and we count you among our many blessings.

i David P. Lis

Premier Mortgage Sponsors

Central New York

Home Shopper to

Home Buyer

L i f e and H o m e s

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with an FHA Loan from Bank of America.

See our ad on page 35 Bank of America Home Loans • Free Pre-Approval •

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December Holiday Issue November 26, 2010

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

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

Renting a Car for Holiday Travel?

Approach the rental counter with confidence knowing whether you really need to get the supplemental insurance offered by the rental car company. Car insurance group Progressive offers these tips to help you make a smart decision.

• Before you leave on your trip, call your agent or insurance company. They’ll give you the details for your policy. Generally, if you have liability and physical damage coverages, there’s a good chance you don’t need to buy the supplemental coverage.

If you review your policy, you might see a coverage called rental reimbursement listed.

Keep in mind that this coverage doesn’t protect you in a rental car; rather, it pays for a rental in case your car needs to be repaired following a claim.

• Check with your credit card company. Some credit cards provide free coverage if you use their card to pay for the rental. This coverage applies in many but not all situations, so be sure to ask for an exact description of what’s covered.

• If you end up choosing to buy insurance from the rental car company, check to see what’s covered. If personal effects aren’t covered, they’ll likely be covered by your homeowners’ or renters’ insurance. You may also want to bring a copy of your insurance declarations page with you as a reference.

If you don’t need supplemental insurance, pass it up and put the money toward your trip.

For more information or to find a local agent near you, visit www.progressiveagent.com. (NAPSI)

If your inspection reveals roof damage, work with professional roof contractors who are bonded, insured and use quality materials.

They can help you prolong the life of your roof and keep you from having to spend money on costly future repairs.

Is Your Roof Ready for

Hardwoods in Unlikely Places

Winter Weather?

Your home’s roof is its first line of defense against rain, snow, cold air and harsh weather in general. And so if you’re smart, experts say, you’ll want to check what kind of shape yours is in twice a year. That means being on the look-out for missing shingles or deteriorated flashing (the metal that seals bends and joints on skylights, chimneys, etc.). More than 90 percent of roof damage occurs in these two areas, and catching it early can be key to preventing bigger problems. Here are more hints that can help: Knowing When To Inspect Check your roof every spring after severe weather and every winter before the worst weather sets in.

• Examine the roof edge for damage from wind, rain or ice dams. The dams occur when water freezes and backs up under the roofing system.

• Inspect for signs of mold, algae and mildew, such as dark spots and discolored shingles.

Inadequate or faulty shingle underlayment can be behind this.

• Look for blistering or peeling paint due to poor attic ventilation.

The no-no’s about using hardwood near a water source are vanishing. And while allowing water to rest on a wooden surface for extended periods will always be a no-no, the American Hardwood Information Center, www.HardwoodInfo.com, finds that more design professionals are saying yes to client requests for the warmth, charm and richness of natural wood no matter where it’s used -- in the bath, the kitchen and even the basement.

Remember, it’s important to always dry splashes immediately. To extend the durability of any work surface, a protective sealer is always wise.

The consensus among design professionals, then, is that you can enjoy the look and durability of natural hardwood no matter where you put it. Be sure to protect the surface against standing water and wear, and use it wisely. For other great hardwood decorating tips, visit the American Hardwood Information Center at www.HardwoodInfo.com. (ARA)

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

Have a PDF sent right to your email. visit www.LifeandHomes.com Click on the magazine www.Life and Homes .com

3

L i f e and H o m e s

Roof Maintenance Leaves, sticks and other debris can cause water to back up and flow under a roof, so clean out your gutters and roof drains regularly. Also, check that all gutters are securely fastened to the house and that downspouts are pointing away from your home.

A free service that helps homeowners find a qualified roofing contractor is available from North America’s largest roofing manufacturer, GAF Materials Corporation. Call (888) LEAKSOS or visit www.gaf.com. (NAPSI)

■

Eddie Murphy’s Englewood, NJ 32-room home is on the market for $12,750.000 - a jaw dropping $15 million discount from the original asking price and the indoor pool, bowling alley and recording studio are included. Uma Thurman is downsizing to a luxury duplex in Granercy.

Her seven bedroom NY City townhouse is up for sale for $14,200,000. Sacha Baron Cohen,

(think Borat), is movin’ on up - getting rid of his modest 2,806 sq. ft. CA home - a steal at $2,900,000. Want to try it before you buy it?

Lease his amenity-rich 3 bedroom, 2.5 bath home for $11,995 a month. Need something a little more spacious with Old World glamour and plenty of updates? You might want to Kate Walsh’s spanish manor in Los Angeles.

The Private Practice star’s home is up for sale.

For a cool $3,743,500 you’ll get nearly 6,000 sq. ft. of living space, a lovely pool and spa and a swanky LA address.

November

Live Like a STAR

newsShorts

Bonus PayIs it Worth It?

In markets where sellers outnumber buyers, many sellers continue to lure buyers to their properties with added bonuses.

Bonuses advertised this week: $2000 toward new kitchen, 2 tons of pellets for wood stove, $1000 in merchandise from antique shop, $1000 toward closing costs and $300 toward driveway plowing, Gift certificate for carpet cleaning rental plus shampoo, or how about a free survey and full tank of fuel oil.

Sellers have been known to offer incentives directly to agents as well. One builder, for example, offered a $5,000 American Express gift card to agents in exchange for a buyer who signed a contract on a Long Island City, N.Y., condominium. The agent who brought in a buyer for a penthouse in a financial district building in New York City was promised a fully paid lease on a BMW for a set period of time The main advantage of incentives? “They often attract attention to one property in a sea of available homes, says Noah Freedman of Bond New York Real Estate. Whether they have that much of an influence on the eventual sale, however, isn’t as clear. “At the end of the day, you can’t make someone buy something because you’re going to get an AmEx card,” Freedman says.

Clean Your House

Central New York

in Half The Time

L i f e and H o m e s

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Most people don’t know how to clean efficiently, in a way that saves time and gets the job done quicker. The pros of the home cleaning business know how to prioritize, organize and lay out a plan of attack that gets the job done not just quickly but thoroughly.

Here are some of Merry Maids’ top techniques and tools for speed-cleaning your house.

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

newsShorts Time-saving tricks * Straighten up the house before the cleaning begins. Clutter slows down your cleaning. * Work from a list. Think logically about where you’re going to start and end, rather than bouncing between rooms and floors of the house. * Use both hands. Finish one step with one hand, and then begin the next with the other. * Don’t scrub. Spray tough spots with cleaner and let it soak while you clean something else.

Time-tested tools * Invest in a 50-foot, heavy-duty extension cord so you plug in the vacuum cleaner only once. * Wear a sturdy canvas carpenter apron that has multiple pockets and can accommodate heavier items.

devices such as lights or thermostats. Homeowners can choose to receive e-mail or text notifications when specific user codes are entered on the lock’s keypad - making it popular with working parents of school age children.

Available at Lowe’s and www.schlage.com, the system offers a secure way to monitor and control access to home anywhere from a computer or internet-capable phone.

Turning the temperature down just one degree can reduce your heating bill by 2 percent to 3 percent. Turning the thermostat down from 72 to 68 can reduce your heating bill by up to 12 percent.

Changing your furnace filter will cost $3 or $4, but can reduce your heating bill between 1 percent and 4 percent.

Join Us Weekly

* Use a tool caddy to keep tools and cleaning solutions within arm’s reach at all times.

Entertaining

For more clever cleaning ideas, go to www. merrymaids.com. (ARA)

about Life and Home

Say Goodbye To Your Keys Have you ever wondered if your child remembered to take their house key with them to school?

Schlage® Link System’s wireless technology makes keys a thing of the past by allowing homeowners to remotely lock/unlock and monitor entry to doors equipped with Schlage’s wireless keypad locks. Remote access can be granted from a computer or Web-enabled mobile phone, including Apple’s iPhone and RIM’s BlackBerry smartphones.

Schlage LiNK wireless deadbolts and locks make it possible to create temporary entry codes for day workers as well as remotely control and monitor various other Z-Wave-enabled

TV Show On Demand Video at www.LifeandHomes.com Click on Video Channel

• Tips and Services • Home Video Tours • Home Improvements • Interesting Family Life • Interviews Hosted by

Jill Hayes

TV & Video Channel

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

• Tailored to meet your exact needs!

Contact me or visit my website for Exciting Details!

Barneveld

$249,900 Sauquoit

Russia

$112,500 New Hartford

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

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

$250,000 Bridgewater

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

$89,900 Clark Mills

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

$249,900 Russia

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

$269,900 Russia

$269,900

$199,000 Waterville

$139,900 West Winfield

$139,900

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

$89,900 Norway

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

$598,000 Columbia

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

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

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

$89,900 East Utica

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

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

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

$87,000 Rome

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

$85,000

Strong curb appeal in this adorable ranch!

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

Commercial Properties

Herkimer

$79,900 East Utica

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

$50,000 Little Falls

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

$29,500

Adorable 3 BR village home in a convenient area and priced to sell! Spacious kitchen, new roof, nice yard & more.

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

Eagle Bay

$350,000 Rome

$179,900 Rome

$450,000

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

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

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

$54,900

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

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

www.Life and Homes .com

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L i f e and H o m e s

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

$649,900 Thendara

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

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

$699,000 Rome

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

November

Other Investment/Land Opportunities

Rome

newsShorts

Ten Things To Remember When Buying A House: Buying a home is a stressful time for even the most experienced hands. You’ll hear a lot of advice from neighbors and experts alike during the process. Here’s a list of 10 things you might not have thought of when it comes to purchasing a new home.

L i f e and H o m e s

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Central New York

1. How long are you in for? Life moves fast these days. The world of living in the family home for 40+ years isn’t a reality for everyone anymore… whether work or just the impulse to stay on the go compels you, make sure you have a realistic understanding of how long you will really want to stay in your home. An awareness of this ties into everything, from the cost to the location to the size of a home.

2. Buy within your means - This one would seem self-evident… except that people still tend to get in over their heads. A good template to take a look at is the Federal Housing Administration’s guidelines for affordability. Even if you have a sizeable amount saved up for a deposit and won’t need an FHA loan, their conservative ideas on how much you can afford could still be a big help.

3. Appearances can be deceiving - Homeowners put their best “face” on when their homes are up for sale.

A well-dressed room with a strategically placed flower vase or two can easily distract you from more serious issues at hand. Do the current owners have a really great couch and a 71-inch plasma? Well, you might not. Try to picture the home without all the bells and whistles and see if it still holds up.

4. You’re allowed to ask questions - Many people are so intimidated by the home-buying process that they allow themselves to be led around by more “experienced” hands. Remember, you’re “experienced” at living your own life… you know your needs and wants better than anyone. Do your research beforehand and don’t be afraid to ask the questions that matter to you and your family.

5. Hire your own home inspector - The bank will of course demand a home inspection, but it’s a good idea to hire your own, as well. Rather than just seeing if the home fits into a number on the loan, your own inspection can tell you things you never realized you needed to know about your home. An in-depth knowledge of your home will only help you in the long run.

6. If you’re buying new, check out your builder - Never assume that because someone runs a large business and has built a huge development down the street that they are necessarily professional. You’d be 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 .

amazed at how many builders are able to slip sub-par constructions by. Ask around. Investigate.

7. You’re allowed to be picky - Buying a home isn’t a situation in which you have to be polite at all times. You’re betting your financial future and your well-being for years to come on this purchase.

You’re allowed to nitpick and assert yourself on issues that are important to you.

8. Buy the right homeowner’s insurance - Live in a flood zone? Then why are you covered for earthquakes? Think about the real life scenarios that can take place in your geographical area and get prepared. General coverage purchased just to please the bank isn’t going to cut it.

9. Deal with reality - When assessing your financial picture, be realistic. Take a look at your current fi-

nancial situation… not the one you think you’ll reach in a few years. Don’t do the “I’ll get that promotion in May” routine and cross your fingers.

10. Your needs might not line up with everyone else’s - You hear the same things again and again about home buying - Is it near good schools? What’s the neighborhood like? Don’t assume, however, that these are your needs. Maybe you aren’t planning on having children, maybe you grew up in Manhattan and like noise... Make a decision based on your tastes and way of life and not the standard.

Author Jill Manty originally prepared this article for www.texasrealestateinspections.com based in Houston, Tx. (Goarticles.com)

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Spotlight on our Talk Radio Shows • 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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listen live or log On anytime at www.lifeandhomes.com - Click on Talk Radio

Open Market Listing Service™ Agusta

LifeandHomes.com

$199,000

Camden

$163,000

2063 Route 26

11 Emmons Circle

7 Bedrooms / 5.0 Baths

4 Bedrooms / 2.5 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #42224

Amy La Clair • 315-790-4153

Ryan Kirch • 315-768-1680

New Nest Realty

Broker/Owner • info@newnestrealty.com

Lic. R.E Agent • RyanKirch@cbpp.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Annsville

Coldwell Banker Prime Properties

$295,000

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Camden

$209,900

4097 Wilson Road East

1400 State Route 69

4 Bedrooms / 2.0 Baths

4 Bedrooms / 2.0 Baths

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

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

Coldwell Banker Prime Properties Ryan Kirch • 315-768-1680 Lic. R.E Agent • RyanKirch@cbpp.com

Hunt Real Estate ERA

Jenny Chapin • 315-363-5533 Realtor • jchapin@huntrealestate.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Ava

$5,000

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clark Mills

$129,900

9551 Mullen Hill Road

4705 Clinton Street

215 Acres • $5,000 - $25,000 per acre

3 Bedrooms / 1.5 Baths

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

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

Oneida County - FSBO

Phyllis Goworek • 315-335-2745 Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Blossvale

$219,000

Clinton Real Estate

Barbara Owens • 315-853-4400 Associate Broker • info@barbaraowens.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

$209,900

8448 Yager Rd

69 Stebbins Drive

4 Bedrooms / 2.0 Baths

4 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42206

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

Coldwell Banker Prime Properties Ryan Kirch • 315-768-1680 Lic. R.E Agent • RyanKirch@cbpp.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Bridgewater

Clinton Real Estate

Barbara Frank • 315-853-4400 Lic. R. E. Broker • info@clintonrealestateny.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

$160,000 Oneida County Hobby Farm

Clinton

15 Acres

2 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41923

For more details visit www.LifeandHomes.com Type in Quick Search #41479

Posson Realty LLC

David Posson • 607-316-3758 Broker/Owner • possonrealty@frontiernet.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

$69,900

173 Sanford Ave

Clinton Real Estate

Barbara Frank • 315-853-4400 Lic. R. E. Broker • info@clintonrealestateny.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

November

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

■

1. Call Joel Siegfried

Professional & Courteous Real Estate Services

286 Genesee St Suite 1 Utica, NY 13502 www.Life and Homes .com

315-796-2258 7

L i f e and H o m e s

(He will handle the rest.)

LifeandHomes.com Clinton

Open Market Listing Service™ Constableville

$219,900

3708 Sweeney Road

4 Bedrooms / 2.5 Baths

2 Bedrooms / 1.0 Baths

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

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

Barbara Frank • 315-853-4400

Barbara Dunn • 315-337-1677

Clinton Real Estate

Barbara Dunn Realty

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

Broker/Owner • dunrealt@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

Licensed Mortgage Banker NYS Banking Dept

Deerfield

$729,900

646 Glendale Place

5 Bedrooms / 3.5 Baths

5 Bedrooms / 2.0 Baths

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

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

Barbara Owens • 315-853-4400

Linda Peters • 315-527-1252

Coldwell Banker Faith Properties

Associate Broker • info@barbaraowens.com

Lic R.E Associate Broker • LindaAPeters@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

Licensed Mortgage Banker NYS Banking Dept

Deerfield

$199,900

5721 Smith Hill Rd.

3 Bedrooms / 2.0 Baths

3 Bedrooms / 1.5 Baths

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

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

Barbara Owens • 315-853-4400

Amy Abdoo • 315-794-2653

Dominion Homes

Associate Broker • info@barbaraowens.com

Broker/Owner • blon316@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

Licensed Mortgage Banker NYS Banking Dept

Forestport

$249,000

Lone Pine Drive - Camp

3 Bedrooms / 2.5 Baths

26+ Acres

For more details visit www.LifeandHomes.com Type in Quick Search #41596

For more details visit www.LifeandHomes.com Type in Quick Search #42245

Kathy White • 315-768-1680

John D. Plumley • 315-245-0000

Mad River Realty

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

Lic. R. E. Broker • mart-allen13472@hotmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Licensed Mortgage Banker NYS Banking Dept

Constableville

$127,000 3706 Sweeney Road / 15 Acres

Fort Plain

3 Bedrooms / 1.0 Baths

3 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 #42228

Barbara Dunn • 315-337-1677

Robert Snell • 518-568-7543

$119,000 154 Palatine Church Road

Barbara Dunn Realty

Kinship Properties

Broker/Owner • dunrealt@aol.com

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Central New York

$59,500

3871 Skyline Drive

Coldwell Banker Prime Properties

Licensed Mortgage Banker NYS Banking Dept

Leslie Nicolette

Amy Abdoo

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$163,000

7349 Pryor Road

Clinton Real Estate

L i f e and H o m e s

$124,900

21 Chestnut Street

Clinton Real Estate

Dominion Homes

Lic. R. E. Agent Bruce Ward 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.

I’ve been an agent with Bruce Ward &

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

8

$99,900

3585 Ernst 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 .

Company for over 2 years and especially enjoy helping clients find their perfect home. I’m committed to excellence in customer service and communication, which make transactions flow

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smoothly. I do my best to treat all those I work with as I would want to be treated. Contact me for all your real estate needs.

Phone: 315-985-0212 Web: dnicolette@twcny.rr.com.

New Hartford $1,600,000

New Hartford $439,000

Marcy

$399,500

Westmoreland $239,000

Little Falls

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

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

Newly constructed Energy Star home with fabulous floor plan.

Cherry kitchen with granite counter tops. Many fine upgrades.

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

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

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

Clinton

Utica

New Hartford $127,500

Utica

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

Charming, perfectly maintained stone Cape featuring hardwood floors, eat-in kitchen, central air, full basement, new driveway and gorgeous landscaping.

Trenton

$219,500

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

Clinton

$189,900

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

$169,900

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

$129,900

Sprawling quality ranch with inground pool on 3 lots. 2 car garage, stone fireplace and hardwood floors. Priceless location.

$239,000

Sauquoit

$229,000

$109,000

November ■

www.Life and Homes .com

9

L i f e and H o m e s

#1 Coldwell Banker in New York State

Holland Patent

$284,900

Own this 6 year young ranch set on 10.4 acres! Dramatic LR w/FP, kitchen w/corian counters and fully equipped. Mstr w/private bath, +2 bedrooms & 1 more bath.

Jodie DeCosty Ext. 201

Clinton

$189,900

Spacious ranch with hardwood floors, gas fireplace in family room, built-in bookcases, new carepeting and many more updates.

Gaetano Belmonte Ext. 202

Central New York

Rome

Gaetano Belmonte

Featured Home M

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L i f e and H o m e s

$144,900

Beautiful townhouse in move-in condition.

2 bedroom, 2 bath home with flexible floorplan and plenty of storage.

4•

1 OV

N

M 1A

1

- 1P

Ext. 202

Clinton

$249,000

Magnificent view and privacy. 3 spacious bedrooms, 2.5 baths gorgeous kitchen with all appl. double garage and more on 2.25 acres.www.3871skylinedrive.com Kathy White Ext. 215

Utica

$189,900

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

Laura Minard Ext. 205

Marcy

$139,900

Bright & Spacious Ranch situated on ¾ acre of land. Walk-up attic, Hardwoods throughout under carpeting. A well maintained, one owner property.

Debbie Roberts Ext. 239

Barneveld 7357 Trenton Rd

Remsen

$219,900

What a stunning setting! Well maintained Cape set on 15+ beautiful acres. First floor master, 3 additional bedrooms, 2 full baths.

Jodie DeCosty Ext. 201

Clinton

$169,900

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

Gaetano Belmonte

Westernville

Ext. 202

$139,900

This is a beauty. Move in condition on 2 acres, 2 garages. Close to Delta Lake 3 B/R’s, D/R, F/P, For more information: www.6769stokeswesternvilleroad.com Kathy White Ext. 215

Blossvale

$219,000

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

Ryan Kirch

Boylston

Ext. 222

$159,000

Mostly wooded with trails for riding horses, snowmobiles or 4 wheelers. Close to State land, not far from the Salmon River for boating & fishing. Large barn for livestock & toys.

Pat Townsend Ext. 218

Waterville

$139,900

Newer built mint ranch! Oak kitchen, efficient 2 zone heating, garage & work shop, convenient 1 acre rural setting.

Richard Parent

Ext. 203

St. Lawrence River

New Hartford

Deerfield

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 .

$137,500

Meticulous! 2 Story townhouse...Just move in. Tastefully finished basement; master bath with dressing area; first floor laundry. Priced to sell…show this one!

Gloria Rocci Ext. 217

4957 Commercial Drive Yorkville NY

Call 768.1680 10

$149,000

Spacious ranch in desirable New Hartford neighborhood. Oversized family room, hardwood floors, finished basement, beautiful screened porch.

Gaetano Belmonte Ext. 202

$249,900

2 homes for the price of one! Stunning 5 BR updated Victorian, 9.6 acres, additional 2 family home, just off Putnam Rd. Richard Parent Ext. 203

$195,000

Waterfront condo… penthouse level.

Newly constructed, 2 BR, central air, fireplace, front and rear balconies. Price includes a boat slip & carport.

Debbie Roberts Ext. 239

Camden

$137,500

Charming 2 story on 5 acres! Offers 3 spacious 2nd floor bedrooms, and a 10X12 bedroom/den/office on the 1st floor. Lge kitchen with a morning room/breakfast nook.

Ryan Kirch Ext. 222

North Utica

$90,000

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

Lisa Filletti Ext. 206

Clinton

$40,900

Oriskany

$159,000

3 bedroom ranch with great 3 season room overlooking private yard with mature trees. New driveway.

Gaetano Belmonte

New Hartford

Ext. 202

$89,900

Looking for key updates & 3 BR’s? Stop here! Gorgeous kitchen, vaulted sun room addition, absolutely a move in.

Richard Parent

Rome

Ext. 203

$38,900

Rome

$125,000

Price Reduced. The best 3 B/R, move in cond., newer Kit. & bath close to Delta Lake.

Tons of updates! For more information: www.7100townlineroad.com Kathy White Ext. 215

Columbia

$79,900

Beautiful country views! Lovely 4 BR, 2BA double wide on 5.5 wonderful acres. Approximately 1836 sf of living space; above ground pool and shed.

Lorene Prenderville Ext. 213

Little Fallse

$29,500

Priced to sell! 3 bedroom solidly built, original woodwork, new roof in 2003.

Furnace replaced in 2005.

Adorable 3 BR village home in a convenient area and priced to sell! nice yard, close to shopping and village park.

Gloria Rocci

Debbie Roberts

Richard Parent

Ext. 217

Ext. 239

Ext. 203

$69,900

Jodie DeCosty

Herkimer

Ext. 201

$79,900

Tastefully updated 3 BR 2 bath 2 story home, gorgeous new maple kitchen, updated bath, move right in.

Richard Parent

Clayville

Ext. 203

$24,900

Cozy 2 BR 1 BA cabin in Cedar Lake Club, Clayville. Cabin has new windows and a pellet stove. Taxes, water & cable included in the camp owner fees.

Diana Raymond Ext. 207

New Hartford

$94,500

Immaculate 3 bed/1bath ranch. Updated carpeting, appliances, tankless water heater, vinyl sided with new windows. Affordable in the New Hartford School District.

Scott Kelley Ext. 242

South Utica

$69,900

Reduced. Opportunity knocks! Spacious 3 bedroom, 1 bath home. Large fenced in yard, 2 stall detached garage, sunroom. Call Gloria 868-8686.

Gloria Rocci Ext. 217

Clinton

$18,000

Pristine condition! Unique oversized carport w/privacy lattace. Shed w/electric & work bench. $375 lot rent includes taxes & garbage removal. Park approval required.

Debbie Roberts Ext. 239

November

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

Holland Patent

Cute bungalow offering eat-in kit., LR, 2 BRs, 1st flr laundry, 2 car gar. Included is 1.8 acres. Holland Patent School district.

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www.ColdwellBankerPrime.com

www.Life and Homes .com

11

L i f e and H o m e s

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Russia

$550,000

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

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Linda Peters

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Marcy

$169,900

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

Deck, 2 stall garage with pull down attic.

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Associate Broker Cell: 315-527-1252 Email: LindaAPeters@gmail.com

ER TT BE

Utica

$114,900

Wow!! Priced to sell. Great 3bd ranch. Beautiful kitchen and bath, lots of hardwoods. Full basement with poured walls. You will love this location next to park.

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New Hartford

$99,900

Clean as a whistle. Move right in this meticulous 2bd 1ba ranch. Newer windows, roof, hot water heater and furnace. Central air. Hdwds under carpeting.

Frankfort

$69,500

Great price on this neat, clean remodeled home.

Municipal electric. Nice yard. Garage in disrepair but placement is grandfathered - can be removed.

MLS 1002366 Regal Pl New Hartford - 2 parcels! 147x135

$54,900

MLS 200900105 Ironwood Rd New Hartford - South Woods 127x170

$60,000

MLS 200801479 Higby Rd Frankfort - Part wooded 7.8 acres

$120,000

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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 .

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Kayuta Lake

$329,900

Forestport

Remsen Kayuta Lake

$259,900

South Utica

Coldbrook

$249,900

Foothill of the Adirondacks $129,900

Forestport Immaculate + 3 bedroom, 1½ baths, and half log sided home year round home. Sunroom, deck off master bedroom. Property very tastefully done.

www.Life and Homes .com

13

L i f e and H o m e s

Turnkey Bar/Restaurant with apartment.

Location is the center for snowmobiling, skiing, golf, four wheelers. Approx 20 mins from Old Forge. Great for banquets. Traffic is about 10,000 cars per day.

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OHIO 769 Gray Wilmurt Rd -88 ACRES Immaculate Home, Barn, with beautiful stream. 1 mile of shore line. This home has new sinks, faucets, toilets. New plank floors on 1st floor. New lighting throughout. Garage doors and driveway. New bath 2nd floor. Coal and wood stove secondary heat.

$79,900

Leslie Ave A great two family, three bedroom, formal dining room, three stall garage. Great neighborhood, close to schools, churches, shopping, parkway skiing, skating, tennis all walking distance. Still time for first time home buyers $8,000.00.

November

Woods Rd Immaculate water front year round home. 3 bedrooms, 1 bath, enclosed sunroom, fireplace, garage. Roof is 4 years old, Furnace is 6 years old.

$119,900

Woodhull Rd Three bedroom year around home on water front.

Very well maintained home. Walking distance to churches, restaurants, hiking, snowmobiling, golf, kyaking. The interior has been painted tastefully.

Plenty of closet space. Great worshop.

Trendy Designs for the perfect Children’s Room

Functional, yet fun. Traditional, yet techie. Today’s children’s rooms are stylish, engaging, organized - and as unique as the individuals who sleep, study, play and hang out in them.

Here is what’s “hot” in children’s decor: Stylin’ Debbie Zimmer from the Dow Paint Quality Institute sees polka dot designs and “pink” are once again on the horizon, as well as more and more rooms containing 3-D accents, from butterflies to airplanes, with fun and bright paint colors. For teen spaces, glitz and glamour are back in style, with gold accents making a cameo appearance. Zimmer predicts sophisticated wall “monograms” and paint colors growing in popularity, as are urban, sleek and modern themes appealing to this older audience.

The magic of Disney Disney characters are memorable, loveable Central New York

Funky, functional furniture In a recent “American Chronicle” article, Andy West reported a modernizing of the furniture industry. In lieu of traditional beds, West suggested bunk beds that spread out in different directions to use space and lighting more efficiently.

Chairs, desks and drawers that incorporate geometric shapes and swirls of wood in intriguing ways are also good

■

L i f e and H o m e s

and - let’s face it - simply magical. Which is why Murals Your Way, the world’s largest manufacturer of wallpaper murals, is adding 30 Disney murals to its catalog of more than 5,000 existing images. “Whether it’s Winnie the Pooh or Mickey Mouse and Friends for a nursery, or Disney Princess, Disney Fairies, Toy Story 3 or Cars for a young child’s room or playroom, these Disney favorites will bring a smile to any child’s face,” explains Todd Imholte, president of www.MuralsYourWay.com.

Licensed from Disney, these wall murals are easy to install, can be custom made to fit any wall from 4 feet by 6 feet and up, and can even be personalized with your child’s name.

They even have a new repositionable wall fabric that can be easily removed should your child outgrow a character.

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 .

ideas. CR International has capitalized on the trend of using graphics in bedroom furnishings by introducing Graphics, a new addition to their CR Kids & Beyond family of furniture that feature interchangeable panels with bold and striking black graphics.

Lighting that lasts While parents continue to embrace childfriendly themes, today’s smart shoppers are looking at complementary accents that offer practicality and longevity, according to Jeff Dross, senior product manager for Kichler Lighting. Instead of a themed lamp, parents might opt for a functional swing-arm floor lamp in a neutral finish that can respond to different lighting needs as the child grows.

Positioned for diaper changes for babies, the lamp can later be used for homework and reading as the child matures.

The right touch Linda Navara of LMR Designs, LLC recommends soft, fluffy textures for small children’s rooms, and comfortable, eco-friendly versions are perfect for the older child. Mary Lou Kalmus of Designing Edge also sees organic cotton rugs making an impact for the ecologically conscious.

A higher (environmental) consciousness Incorporating eco-friendly furniture and accessories in kids’ rooms is essential, adds M. Grace Sielaff, of M. Grace Designs, Inc. She suggests eco-functional and affordable solid wood furniture made from refurbished, recycled and Forest Stewardship Councilcertified products, with nontoxic paints to minimize harmful volatile organic compounds

(VOCs). Options include a fun Surfin Kids planet-friendly bed from Ecotots, or 100 percent certified organic cotton sateen elephant crib bedding from Urban Hues.

Color their world When it comes to color, the bottom line is to have fun with it - within your own personal comfort zone, of course. The palette this year is a vivid spectrum from persimmon, goldenrod and pumpkin for girls, as spotted by Kalmus, to the pastel blues, pinks, greens as whites suggested by Kenneth Ludwig, of Kenneth Ludwig Home Furnishings. Sielaff also notes sage green, magenta, turquoise, purple and yellow as being especially popular.

A place for everything ... and everything in its place As kids acquire more and more stuff, keeping their room clutter-free becomes even more critical. Desk organizers, closet organizers, lockers and iPod docking stations all help children keep their clothes, accessories, toys or electronics off the floor and in easily accessible places. If space is an issue, Navara suggests dual-purpose furniture, such as a storage ottoman or an armoire, while West recommends a bed with a pull-out trundle and storage drawers beneath.

Just enough for the city Urban decor is hot, according to a “How To, Tips and Advice” posting by Stefan on homedit.com. Walls painted with a cooling hue of light blue or light pink set the stage, with animals, flowers or other images painted on them in white to add sophistication.

Abstract paintings that respect the dominant color of the room are a nice modernistic touch. Navara also envisions the emergence of black and white with pops of color.

What to Expect

People who buy a house for the first time are often taken aback at how hectic things could get towards closing. There’s really a lot of things to figure out, and sometimes people skip the final walkthru or go through it perfunctorily.

Let’s say that you looked through Rockwall homes for sale and have bought one that you like. Once the seller accepted your offer, you get the house inspected and move towards the closing phase. Some people think that the home inspection makes the final walk through kind of redundant and unnecessary.

The home inspection does reveal a lot of things that home owners should know about the house that they are buying, but the thing is that there are many things that could happen between the day that you got the house inspected and the day that you occupy the house. This is especially true if you are buying a house that was still occupied by the seller when it got inspected. Skipping on the final walkthrough or not really paying attention to it is not exactly a wise thing to do. You’ll need to take the walkthrough seriously so you can spot things that need to be repaired.

It would be great if you have a list ready of the things you should check during the walkthrough. Here are a few suggestions of things you shouldn’t forget to look at:

4. Repairs promised - Some sellers may have promised to have some items repaired before you move in. Now is the time to check whether they kept their promise or not. As part of the purchase contract, you shouldn’t be obliged to move forward with the sale unless the agreed upon conditions are met.

5. Doors and windows - Check the hinges, glasses, knobs, locks, and the likes. Make note of things that you need to replace when you move in so that you won’t be stuck with a house that has a broken door knob on your moving in date. If possible, replace them before you move in so as not to add to the moving day hassles.

The point of the walkthrough is to make sure the house is in the condition you agreed to buy it in. If anything’s changed in that, it’s your right to know. Exercise that right because it’s to protect your interest as a home buyer.

Source: Articleblast.com. Author Eddie Hill can help you find your dream home. Browse through Rockwall homes for sale online at www.shoprockwallhomes.com. Get professional assistance while accessing a comprehensive Rockwall real estate listings at www.shoprockwallhomes.com. www.Life and Homes .com

15

L i f e and H o m e s

2. HVAC Systems - While you were looking through Rockwall homes for sale, you probably looked at the HVAC systems as one of the primary things you needed to check. However, some

3. Walls and Floors - If the home used to be occupied and the seller just recently moved out as the turnover date was nearing, you should check the walls and floors if anything was damaged during the move out or if anything was not noticed while the house was still occupied.

■

1. Appliances - If the Rockwall real estate that you bought included free appliances with the deal, you should check all of them if they’re all still working. Things like the garbage disposal system, washing machine, microwave, and the likes could have been working a few days ago but aren’t working during the time when you’re set for the final walk through.

people don’t check this during the final walkthrough anymore because they’re confident they’re working. Since these are major systems in the house, it would be better if you checked this during the walkthrough.

November

Girls (and boys) just want to have fun Beanbag chairs. Retro or dorm wall art. Knick knacks. Ribbons that swag to the edges of the room. Shapes that are colorful and glow in the dark. Nets that hold decorative fish. Edgy desk lamps with built-in organizers. For bedroom accessories, the sky’s the limit in terms of color, shape and style. Have fun as you create a unique, special space that your child will be proud to call his or her own. (ARA)

The Final Walkthrough

LifeandHomes.com Frankfort

Open Market Listing Service™ Ilion

$69,500

45 South Fifth Ave

2 Bedrooms / 1.0 Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42246

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

Linda Peters • 315-527-1252

Jay Groah • 315-272-3975

Coldwell Banker Faith Properties

Coldwell Banker Faith Properties

Lic R.E Associate Broker • LindaAPeters@gmail.com

Licensed R.E. Agent • jlgroah@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Gloversville

Licensed Mortgage Banker NYS Banking Dept

$86,000

N TIO C AU

24 West Eighth Ave 3 Bedrooms / 1.5 Baths

Amy Abdoo • 315-794-2653

Dominion Homes Broker/Owner • blon316@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Licensed Mortgage Banker NYS Banking Dept

Gloversville

$189,900 482 Extension W Fulton St

Lee Center

4 Bedrooms / 3.0 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42226

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

Debbie Sicilia • 518-495-5770

Denise Witchley • 315-337-0841

$89,900 9174 Sulpher Springs Road

Kinship Properties

HomeComing Realty

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

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Ilion

Licensed Mortgage Banker NYS Banking Dept

Lee Center

$89,000

27 Family Circle

Restaurant/Office Space

4 Bedrooms / 2.5 Baths

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

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

Amy Abdoo • 315-794-2653

Tony Abone • 315-339-2222

RE/Max All Pro

Broker/Owner • blon316@aol.com

Broker/Owner • proabone@cnymail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Ilion

Licensed Mortgage Banker NYS Banking Dept

Lenox

$134,900

3262 State Rt 31

Open House 11/7 - 1-3pm

3 Bedrooms / 2.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #42215

Leslie Nicolette • 315-985-0212

Sue Rosendale • 315-374-7451

Hunt Real Estate ERA

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

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Central New York

$185,000

44 South Fourth Ave

Bruce Ward & Company

Secure Home Inspections 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

■

$229,900

161 Second St

Dominion Homes

L i f e and H o m e s

5 Bedrooms / 3.0 Baths

Debbie Sicilia • 518-495-5770 Low Mortgage Rates • Homestead Financial 315-768-1980

PH: 315 859 1778

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

www.Securehomeinspections.com

Be Sure With Secure

16

$18,900

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

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

Cell: 315 542 4622

Ilion

For more details visit www.LifeandHomes.com Type in Quick Search #42227

Kinship Properties

Dominick M Tofolo Jr.

$119,900

106 First Ave

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

Licensed Mortgage Banker NYS Banking Dept

Barbara Wickham Owens Associate Broker, GRI

Clinton Real Estate I am proud to provide real estate services for Central NY, especially Clinton, Kirkland, New Hartford, Whitesboro, Waterville and surrounding areas. As a full service broker, I have the knowledge and expertise to help you achieve all your real estate goals.

Contact me today to learn why I Lead Real Estate Locally.

Office - (315) 853-4400 Cell - (315) 725-3836 Waterville Office - (315) 725-1434 Email: Info@Clintonrealestateny.com Web: www.Clintonrealestateny.com

Open Market Listing Service™

LifeandHomes.com

Madison

$499,900 Madison County Free Stall Operation

New Hartford

7 Bedrooms / 2.0 Baths

4 Bedrooms / 2.5 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #42225

David Posson • 607-316-3758

John Brown • 315-735-2222

Posson Realty LLC

Broker/Owner • possonrealty@frontiernet.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Marcy

$579,900

22 Stonebridge Road

Coldwell Banker Faith Properties Broker/Owner • johnbrownsells@yahoo.com

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 #42017

Buck Construction • 315-736-0865

Dorothy Neumann • 315-527-3542

Buck Construction

Contractor/Developer • alyssabuck@buckconstruction.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Marcy

$140,000

$199,900

307 Higby Road

NeuDot Realty

Broker/Owner • neu.dot@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

$185,000

5740 Carey Road

25 South Hills Drive

3 Bedrooms / 3.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42239

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

Patricia Morreale • 315-793-7580

Amy La Clair • 315-790-4153

SBG Realty

Lic. R. E. Agent • Parispm2@yahoo.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Morrisville

$131,000

New Nest Realty

Broker/Owner • info@newnestrealty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

$79,500

4935 Goff Road

19 New Hartford Street

5 Bedrooms / 2.5 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42237

For more details visit www.LifeandHomes.com Type in Quick Search #42238

Kim Perry • 315-723-6340

Joel Siegfried • 315-793-7580

Buyer’s Realty Group

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

Broker/Owner • info@sbg-realty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

SBG Realty

$244,900

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

$959,900

52 Woodberry Road

2A King Fisher Lane

5 Bedrooms / 2.5 Baths

3 Bedrooms / 2.5 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #41911

Jay Groah • 315-272-3975

Alexander Sen • 315-797-2400

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

15 Prime Acres For Sale

Senshine Real Estate

Broker/Owner • alex@senshinerealestate.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

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

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.

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

www.Life and Homes .com

17

L i f e and H o m e s

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.

LifeandHomes.com Oneida

Open Market Listing Service™ Oneida

$275,000

703 Stone Street

1855 West Road

Business Opportunity

5 Bedrooms / 2.5 Baths

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

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

Hunt Real Estate ERA

Hunt Real Estate ERA

Sue Rosendale • 315-374-7451

Sue Rosendale • 315-374-7451

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

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Oneida

Licensed Mortgage Banker NYS Banking Dept

Oneida

$67,500

372 Stone Street

$147,900 1320 Genesee Street - Rt 5

5 Bedrooms / 2.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41728

For more details visit www.LifeandHomes.com Type in Quick Search #42210

Kay Real Estate

Noyes Real Estate

Janet Mautner • 315-363-9191

Amber Marie Powell • 315-363-2710

Assoc. Broker • kayhomes@dreamscape.com

Lic. R.E Salesperson • amber@noyesre.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

Oneida

$169,000 4762 State Street - 2 Family

Oneida Castle

4 Bedrooms / 2.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42240

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

Hunt Real Estate ERA

Patricia Morreale • 315-793-7580

Mary Pat Adams • 315-761-5484

Lic. R. E. Agent • Parispm2@yahoo.com

Lic Assoc Broker • mpadams@huntrealestate.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Oneida

Licensed Mortgage Banker NYS Banking Dept

Oriskany

612 Deerfield Drive

$299,900

$134,000 603 Utica Street - 4 Units

4 Bedrooms / 2.5 Baths

7 Bedrooms / 4.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #42233

Hunt Real Estate ERA

Hunt For Homes

Jenny Chapin • 315-363-5533

Jean Hunt • 315-725-4700

Realtor • jchapin@huntrealestate.com

Broker/Owner • JeanHunt1@adelphia.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Oneida

Licensed Mortgage Banker NYS Banking Dept

Oriskany

$74,900

402 Ridge Road

4 Bedrooms / 2.0 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42214

For more details visit www.LifeandHomes.com Type in Quick Search #42220

RE/Max All Pro

Sue Rosendale • 315-374-7451

Tony Abone • 315-339-2222

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

Broker/Owner • proabone@cnymail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Central New York

$123,500

422 Stone

Hunt Real Estate ERA

Kathy White

Kay Real Estate

Licensed Associate R.E. Broker Coldwell Banker Prime Properties

■

L i f e and H o m e s

$109,900

84 Seneca Ave

SBG Realty

Wishing you & your family a

We Never Stop Moving Relocating Families for over 23 years!

4957 Commercial Drive, Yorkville, NY 13495 • Office: (315) 768-1680 x 215

18

$329,900

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

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

Licensed Mortgage Banker NYS Banking Dept

Joanne Shedd Licensed Sales Person

Assist 2 Sell

Sellers & Buyers 1st Choice!

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

Each Office is Independently Owned & Operated

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

AFFORDABLE WINDOWS • Save $$$ on air conditioning and heating • Eliminate those old hard-to-clean hard-to-open windows • Integrity, Quality, Professional, Insured • Windows & Doors • Kick out the energy hogs!

CLJobson 20 YEARS!

783-8864

CUSTOM BUILDERS

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

Nearly New

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. $54,900 www.Life and Homes .com

19

L i f e and H o m e s

New Listing

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

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ICE

PR

D HE AS L S

November

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

WATERTOWN, NY mclark42@aol.com

Average Home

Days On Market: Ava

$299,900

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

Yorkville $144,900

2353 Douglas Ave Welcome home to this beautiful raised ranch in an always-popular neighborhood on a private dead-end street! a

Ilion $64,900

Central New York

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

New Hartf ord $ 244,90 0

www.GetP ackingCN

Y.com

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

Utica

$94,900

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

3 0 Days

Sylvan Beach $89, 900

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

Ava

Clinton $79,900

Outstanding outdoorsman below replacement cost!

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 .

$259,900

7101 State Route 29s4paradise priced well

3901 New Street a 1837- great Clinton cottage, circ a desirable opportunity to live inleve l price! community @ entry

Jorda n Guy

â–

L i f e and H o m e s

94

Our DOM :

Bra ndon ialist Bu yer Spec

Coldwell Banker Faith Properties

September Stars

Patti Palumbo

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

Linda Peters

â–

Rick Rodio

November

Congratulations to these Three Top Selling Agents!

SCAMPONE REAL ESTATE 797-7100

Frankfort

G TIN

LIS W

NE

$324,900

G TIN

LIS W

NE

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

EW

N

G TIN

LIS

D TE IVA OT

North Utica

124,900

South East 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!

R LE

SEL

M

Stunning is an understatement!

Popular se utica area. Completely remodeled, tiled, new windows, c/a.

Modified ranch;beautiful lay out, abundant principal rms, skylights.

Additional 17oo+ sq ft in-law apt on lower level, remodeled, tiled sep entrc.

Amenities galore! Entertain w/class!

MLS #1003525

MLS #200800287

New Hartford Condo $235,000

New Hartford

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.

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

MLS #1000563

D TE IVA OT

$240,000

R LE

Ilion

SEL

Whitesboro

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

$195,000

South East Utica

$159,000

East Utica - Commercial $139,900 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.

Central New York

MLS #1003277

South East Utica

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

$129,900

D TE IVA OT

M

R LE SEL

New Hartford

MLS #1003199

$126,900

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

EW

N

ICE

PR

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

scamponerealestate.com

22

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 .

$159,000

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

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!

M

$226,900

North Utica

$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

Open Market Listing Service™ Oriskany Falls

LifeandHomes.com Rome

$99,900

6011 Rogers Road

6763 Butts Road

3 Bedrooms / 2.0 Baths

3 Bedrooms / 1.5 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #41870

Hunt Real Estate ERA

Clemens-Beckley Real Estate

Mary Pat Adams • 315-761-5484

Edward Beer • 315-334-1046

Lic Assoc Broker • mpadams@huntrealestate.com

• EBEER@TWCNY.RR.COM

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Oriskany Falls

Licensed Mortgage Banker NYS Banking Dept

Rome

$193,000

1608 Carroll Street

3 Bedrooms / 2.5 Baths

4 Bedrooms / 1.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #42242

Clemens-Beckley Real Estate

Judy Noyes • 315-495-5031

John McMahon • 315-334-1046

Lic. R.E Broker/Owner • judy@noyesre.com

Lic. R.E Salesperson • JMCMAHO8@TWCNY.RR.COM

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

Licensed Mortgage Banker NYS Banking Dept

Rome

$135,000

$144,900

6611 Martin Street

8346 Forest Lane

Restaurant/Bar

2 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42241

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

Clemens-Beckley Real Estate

Coldwell Banker Prime Properties

Edward Beer • 315-334-1046

Gaetano Belmonte • 315-768-1680

• EBEER@TWCNY.RR.COM

Realtor • Homes@GaetanoBelmonte.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

Licensed Mortgage Banker NYS Banking Dept

Rome

$11,000

$125,000

Old Oneida Road - Lot

7100 Townline Road

Used for organic farming

3 Bedrooms / 1.0 Baths

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

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

Hunt Real Estate ERA

Coldwell Banker Prime Properties

Mary Pat Adams • 315-761-5484

Kathy White • 315-768-1680

Lic Assoc Broker • mpadams@huntrealestate.com

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

Rome

$74,900 919 Croton Street - 2 Units

Rome

6 Bedrooms / 2.0 Baths

5 Bedrooms / 3.5 Baths

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

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

Gokey Real Estate

Denise Witchley • 315-337-0841

Dorothy Gokey • 315-853-3767

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

Broker/Owner • dgokey@gurbr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

bdornburgh@twcny.rr.com

Done on Time.

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

Blueprint Realty &

Development Corporation 337 Bleecker Street, Utica, NY 13501

315-732-3263

Mary Pat Adams, CRS,GRI Licensed Associate Broker Hunt Real Estate ERA

Buying or Selling?

Call Mary Pat Today!

Member of Greater Utica Rome MLS & Syracuse MLS

340 Main Street Oneida, NY 13421

315-363-5533x218 Cell: 315-761-5484 Email: mpadams@huntrealestate.com www.Life and Homes .com

23

L i f e and H o m e s

&

Announcing

■

Professional Affordable

Licensed Mortgage Banker NYS Banking Dept

November

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

$349,900

811 Beech Street

HomeComing Realty

Peace of Mind.

$114,000

2311 Huth Sayer Road

Noyes Real Estate

NYS License#: 16000019454

$115,000

‘Tis the Season for

Home Efficiency

As the cold weather and holidays approach, homeowners are preparing to spend more time indoors. Winter utility bills can get expensive, and in an economic climate as biting as the frost, consumers are watching every penny. From insulation, to appliances, to faucets, these upcoming months are an opportune time for homeowners to make their homes more efficient, reducing costs and the family’s carbon footprint.

Aside from the more obvious advice, such as unplugging electronics when not in use to avoid phantom draws, many long-term solutions will help you save energy and water every day without any added effort.

L i f e and H o m e s

■

Central New York

“Homeowners are very aware of their responsibility to use less water and energy each month, both for environmental and cost-saving reasons,” says Paul Patton, senior product development manager at Delta Faucet Company. “But as the weather gets colder, few are willing to give up their long, hot showers.”

Patton adds that while changing habits and behaviors is worthwhile, homeowners should also consider products that are engineered to offer comparable experiences with built-in efficiencies.

Here are five easy home improvement tips to help make your home more comfortable and efficient this winter: Replace your windows: Energy-efficient windows can save families a lot of money in the long run and although replacing them can be a significant investment, fall is the perfect time to replace old windows before the freezing temperatures blow through. Some replacement windows can be built to meet or exceed Energy 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 .

Star standards in all climate zones, making your home more comfortable and efficient.

Install ceiling fans: You might think that ceiling fans are only for the summer months but in the winter, a ceiling fan can push heat down from your ceilings, circulating warmer air around the room. Your heating system won’t have to work as hard, cutting heating costs.

Install a water-saving showerhead that doesn’t sacrifice the experience: Warming up in a hot shower on a cold morning doesn’t have to feel like a guilty pleasure. Delta Faucet offers water-efficient H2Okinetic Technology (R) that blankets the body in a warm spray while using up to 36 percent less water than the industry standard of 2.5 gallons per minute.

The technology manages droplet size, velocity, spray pattern and thermal dynamics, which ultimately covers the bather in larger water droplets that retain their heat longer. More than 50 percent of Delta bath suites feature showerheads and handshowers that meet the latest specification introduced by the U.S. Environmental Protection Agency’s WaterSense (R) program.

Dodge the draft: Check for drafts and potential air leakages around doors and windows, in the attic and basement, and throughout the home. To locate drafts, aim a fan at the cracks

outside of doors and windows. On the inside, have someone hold a lit candle. If it flickers, you have a draft that you’ll need to treat by sealing with caulk, spray foam or weather stripping. Or have a professional conduct an air leakage test using diagnostic equipment.

They can make specific recommendations to improve the energy efficiency of your home.

Install a water-efficient faucet: Often we let our faucets run longer than needed, wasting water and running up our monthly utility bills. The Linden (TM) pull-out kitchen faucet can help reduce the amount of water homeowners use in the kitchen with a water-saving default flow rate of 1.5 gallons per minute.

For bigger tasks such as filling a pot, a simple toggle on the wand will increase the flow to a high-performance setting.

Remember, this year as the temperature falls, so too can your monthly utility bills. Many federal, state and municipal incentives will reimburse you for making your home greener saving you green as well. Check out the Department of Energy website for more information on tax credits for which you might be eligible. Taking on a few easy DIY projects around the house could mean significant savings in return.

(ARA)

Protect Yourself

on the Road this Winter

Cold-weather driving definitely presents its challenges.

Aside from the chance of getting stuck or stranded in less-than-ideal weather, there’s also an increased risk of accidents when roads aren’t in optimal condition.

In fact, 24 percent of accidents are weatherrelated, according to the Federal Highway Administration. The best way to avoid a weather-related accident is to refrain from driving when conditions aren’t ideal. But since that’s not always possible, you should take steps to protect yourself and your vehicle before the weather turns bad.

The National Highway Transportation Safety Administration recommends taking the following actions before winter hits: * Get your car serviced to see if you have any major issues that could leave you stranded in bad weather. * Make sure your battery has enough power to start your car in cold weather. * Make sure you have the proper amount of coolant to avoid freezing and consult your owner’s manual to see if you should change the coolant/water ratios. * Fill up on wiper fluid and inspect your windshield wipers. * Check tires for cracks and worn tread. Make sure your tire pressure is at recommended levels as colder air can cause them to deflate.

* Stock your vehicle with emergency items like a shovel, sand, blankets and jumper cables.

These preparations can also help protect your vehicle from winter wear: * If you drive a truck, spray-on truck bedliners, such as those offered by LINE-X, can help protect your truck bed from rust and other negative effects of road salt and extreme temperature changes. LINE-X Protective Coatings has also been used to protect many of the nation’s bridges from corrosion, as well as the walls of the Pentagon against blast mitigation, so it has the reputation for standing up to the elements year round. More information can be found at www.LineX.com. * Wax your car before winter hits. While you might think of waxing as more of a cosmetic treatment, it can also protect your car’s paint from road salt and scratching caused by extra sand on other debris on the road. * Wash your car frequently in the winter to remove rust-causing agents. Pay special attention

to the undercarriage of your vehicle and the wheel wells, as these are often the first areas to rust.

Now that you have all the information to prepare your car for the winter, be sure to drive carefully and pay attention to other drivers - not everyone is as well-prepared for winter driving as you are. (ARA)

Replacing an incandescent light bulb with a compact fluorescent can save $20 to $40 over the life of the bulb.

Turning down the water heater and covering it with a blanket can reduce your utility bill by up to 10-percent.

LifeandHomes.com Rome

Open Market Listing Service™

$89,900

$77,900

106 Riverview Parkway N

3 Bedrooms / 1.0 Baths

3 Bedrooms / 1.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #42222

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

Rome

$319,000

RE/Max All Pro

Broker/Owner • proabone@cnymail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$99,900

406 W. Oak Street

1200 Floyd Ave

4 Bedrooms / 3.5 Baths

4 Bedrooms / 2.0 Baths

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

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

Maria E. Dailey • 315-336-0433

Tony Abone • 315-339-2222

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$59,500

RE/Max All Pro

Broker/Owner • proabone@cnymail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$84,500

534 Mill Brook Road

1911 N. Madison St.

3 Bedrooms / 1.5 Baths

2 Bedrooms / 1.0 Baths

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

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

We Buy/Sell Houses • 315-264-9235

Holly Osterhoudt • 315-337-2229

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$122,500

Royal Realty

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Salisbury

$79,000

100 Maple Street

148 McClure Road

5 Bedrooms / 2.5 Baths

2 Bedrooms / 1.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #42236

RE/Max All Pro

Tony Abone • 315-339-2222 Broker/Owner • proabone@cnymail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$113,000

United Country Real Estate/HBE Group, Inc. Sharon Baisley • 315-429-9754 Lic. R.E. Broker • hbegroup@twcny.rr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Salisbury

$159,900

7755 Turin Road

554 Irondale Road

4 Bedrooms / 1.5 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42223

For more details visit www.LifeandHomes.com Type in Quick Search #41632

RE/Max All Pro

Tony Abone • 315-339-2222 Broker/Owner • proabone@cnymail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Central New York

Licensed Mortgage Banker NYS Banking Dept

Ryan Kirch

Licensed R.E. Salesperson Coldwell Banker Prime

United Country Real Estate/HBE Group, Inc. Sharon Baisley • 315-429-9754 Lic. R.E. Broker • hbegroup@twcny.rr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Sue Rosendale

Associate Broker, GRI, CRS Designee Hunt Real Estate ERA

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

■

L i f e and H o m e s

Rome

7879 Thomas Street

4957 Commercial Drive Yorkville, NY13495

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

26

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 .

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.

340 Main Street, Oneida, NY 13421 • 315-363-5533 x 218 Cell: (315) 374-7451 Email: srosendale@huntrealestate.com

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 # 1001326

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

MLS # 1002313

MLS # 1002100

MLS # 1003620

MLS # 1003613

Augusta

$102,500 New Hartford

$75,000 Camden

$238,000

Utica

$69,900 Vienna

Kayuta Lake

$199,900 Oneida

$58,500 Canastota

$129,900

Oneida

$67,500

A panaramic view and a nearby golf course too. Great investment opportunity - 4 - one Hardwood floors span this ranch home on 1.05 bedroom apartments. Tenants pay heat/ Acres just down the road from Barker Brook Golf electricity.

Course. Seller is providing a home warranty.

Waterfront cottage on beautiful Kayuta Lake w/ A great chance for home ownership. The living 50 ft of lawn bordering the water. MLS# 1001927 room is surprisingly spacious! MLS # 1003429

QSN#41521

Stunning Italianate circa 1860 offers many original features including stained glass, pocket doors, window seats, grand entry foyer, glass front built-in bookcases, and more!

Newly sided colonial with lge family room - opens to covered deck & spacious yard. MLS # 1002971

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

MLS # 1003405

$113,900 Oneida

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.

$218,000

Beautiful home with formal dr, lr,den, 2.5 Attached garage, 8 course basement, hardwoods, carpet, masterbed/bath and much more.

With a little tlc and your own personal touch this is a great house for the money. MLS # 1002037

QSN#42087

QSN#41907

“The Key to your front door”

Wampsville

$189,900

Rome

$74,900

128 Genesee St. Old World Charm with modern conveniences.

4 bed, 2 full bath home completely renovated.

Oneida Schools.

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

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

QSN#41379

QSN#42088

Lee Center

$89,900

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

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

November

www.LifeandHomes.com and type in the QSN#

$57,000

Rome

$89,900

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

2 porch areas. Hardwood floors. Kitchen is nice size. Bright family room. Owner wants offers!

Rome

$149,900

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

Investment Rome

104-106 3rd st.

2 family 3 beds each, garage

$49,000 QSN #41230

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? Call today and get that turkey ready for your first Thanksgiving in your new home!

■

Rome

LifeandHomes.com Sauquoit

Open Market Listing Service™ Utica

3043 Mohawk Street

$229,000

$48,400 712 Roberts Street - 2 Unit

3 Bedrooms / 2.0 Baths

7 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42203

For more details visit www.LifeandHomes.com Type in Quick Search #42198

Gaetano Belmonte • 315-768-1680

Ricardo Mauro • 315-793-8807

Coldwell Banker Prime Properties

Blueprint Realty & Development Corp.

Realtor • Homes@GaetanoBelmonte.com

Lic. R.E Salesperson • Rick@rjmauro.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

St. Johnsville

Licensed Mortgage Banker NYS Banking Dept

Utica

20 Hough Street

$89,900

$154,900 6325 Trenton Road - 2 Units

3 Bedrooms / 1.0 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42229

For more details visit www.LifeandHomes.com Type in Quick Search #42197

Robert Snell • 518-568-7543

Ricardo Mauro • 315-793-8807

Kinship Properties

Blueprint Realty & Development Corp.

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

Lic. R.E Salesperson • Rick@rjmauro.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

$69,000

503 16th Ave

$24,900 1120 Schuyler - Multi Family

Seller Financing

4 Bedrooms / 2.0 Baths

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

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

Steve Ruscitto • 315-762-4488

Dorothy Neumann • 315-527-3542

Oneida County Real Estate Investors

NeuDot Realty

Investor • steve@cnyres-q.com

Broker/Owner • neu.dot@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

29-31 Leslie - 2 Unit

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 #41573

Steve Ruscitto • 315-762-4488

Dorothy Neumann • 315-527-3542

Oneida County Real Estate Investors

NeuDot Realty

Investor • steve@cnyres-q.com

Broker/Owner • neu.dot@gmail.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

Utica

$135,000

North Utica

Drive thru Bank

3 Bedrooms / 2.0 Baths

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

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

Maria E. Dailey • 315-336-0433

Buck Construction • 315-736-0865

Buck Construction

Broker/Owner • dailey.realty@gmail.com

Contractor/Developer • alyssabuck@buckconstruction.net

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

L i f e and H o m e s

$319,900

29-35 Devereaux Street

National M&D Dailey Realty

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

Licensed Mortgage Banker NYS Banking Dept

Jennie Chapin

Dorothy Neumann

Clinton Real Estate

NeuDot Realty

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.

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.

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

28

$74,900

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

2112 Sunset Ave Utica, NY 13502

(P) 797.2400

Alex Sen Broker

Ed Kasperovich Sales Agent

Mark Enjem Sales Agent

(C) 725.7167

(C) 534.3484

(C) 292.3200

“True Service with Savings”

New Hartford

$409,000

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

MLS#1002360 ALEX SEN

$959,900

1 Dartmoor Lane A 3 bedroom, two fire place, with pool and hot tub, colonial on secluded 1.82 acres of flowing gardens and woods, 1 mile from the Village of New Hartford. Unique, and rare property setting.

MLS#1003457 ALEX SEN

Utica

$259,000

Utica

November

New Hartford

$189,900

2400 Sunset Ave Absolutely one of a kind magnificent home in a private setting.

Inground pool, patio, private yard, cherry kitchen.Many updates yet character is preserved.

MLS#912024 ALEX SEN

www.Life and Homes .com

29

L i f e and H o m e s

MLS#1001896 ALEX SEN

■

5 Russet Bush Lane A super spacious/private contemporary.

#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

November â–

www.Life and Homes .com

31

L i f e and H o m e s

735-8515

Campion-Weeks Southeast Utica

$399,000

Spectacular contemporary w/ 4 bedrooms, 2.5 baths. DR, FR. Granite, marble, maple cabinetry, inground pool, office. ‘ A Must See Home.’

MLS#1001115 www.Campionweeks.com 735-8515

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

New Hartford

$279,900

Gorgeous stone front colonial in a 1.3 acre private setting. New kitchen, 3 bds, 3 baths, FR, DR, sunroom. Double garage.

MLS#1003576 www.Campionweeks.com 735-8515

Marcy

$220,000

Beautiful & spacious brick ranch on 6+ acres.

4 bedrooms, fireplace, new windows & doors.

FR, DR, in-law apt, double garage.

MLS#1000532 www.Campionweeks.com 735-8515

Sauquoit

Azza Diorgi

Mark Canter

Susan Alberico

Caroline Marino

Sam Vedete

Vera Sadallah

Adeline Griffiths

Alice Donnelly

$219,900

Well appointed 4 BR, 2.5 bath colonial.

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

MLS#1002191 www.Campionweeks.com 735-8515

Anne Hameline Anthony Desarro

Brett Lojewski Carla Dochterman

Clinton

$279,900

Magnificent 5 bd, 3.5 bath ranch. 3 bd’s 1st flr.

FR, DR, 2 car att gar, plus 1 car gar. Gorgeous inground pool, sunroom.

MLS#1002653 www.Campionweeks.com 735-8515

Whitesboro

$194,500

Great home with spacious master suite. 3 bedrms, 2.5 baths, DR, fireplace, 2 car att garage. Park-like yard.

MLS#1002195 www.Campionweeks.com 735-8515

New Hartford

$169,900

Central New York

Immaculate & attractive 3 bd, 2.5 bath ranch.

Large kitchen, dining area, finished basement. Double car garage. Inground pool.

MLS#1003353 www.Campionweeks.com 735-8515

Frankfort

$129,900

$279,900

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

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

MLS#1003256 www.Campionweeks.com 735-8515

New Hartford

$154,900

Charming 3 bd, 1.5 bath cape. DR, FR, fireplace, newer kitchen & bath. Attached garage.

Gorgeous deep yard.

MLS#1002644 www.Campionweeks.com 735-8515

North Utica

$157,000

Charming center hall colonial. 4 bds, DR, FR, appliances. Full bath + 2 half baths. Insulated windows, sunporch.

MLS#1003356 www.Campionweeks.com

New Hartford

735-8515

$119,900

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

East Utica

$174,500

Exceptional all stone 4 bd ranch. Updated kitchen, FR, sunroom, 2.5 baths, garage.

Double lot.

MLS#1003574 www.Campionweeks.com 735-8515

New Hartford

$159,900

Attractive 4 bd, 2 bath cape in great neighborhood. Large lot, attached garage. Sunroom.

MLS#1002671 www.Campionweeks.com

New Hartford

735-8515

$149,900

Easy to maintain a 3 bd, 2.5 bath townhouse.

FR, freshly painted, all appliances. Garage.

Possible owner financing.

MLS#1003538 www.Campionweeks.com 735-8515

South Utica

$109,900

Nice 3 bedrm story home in popular Ridgewood. DR, fireplace, garage. Freshly painted interior.

MLS#1001030 www.Campionweeks.com 735-8515

New Hartford

$149,900

Ranch style condo w/ open concept. Dining area, 2 bedrms, 2 baths. Vaulted ceiling, treed yard. Full basement, att. garage.

MLS#1000235 www.Campionweeks.com 735-8515

New Hartford

$134,900

Charming 3 bd, 1.5 bath 2 story in the village.

DR, Large kitchen, FR, attached garage. Many new windows, vinyl siding.

MLS#1003335 www.Campionweeks.com 735-8515

South Utica

Carole Owen

Dave Malozzi

Kim Johnson

Linda Cavalier

Linda Kuzniar

Luis Montero

Marilyn Valvo

$149,900

Wonderful 3 bd, 2.5 bath split on quiet culde-sac. FR, DR, double garage. An excellent buy. Motivated seller.

MLS#1003198 www.Campionweeks.com 735-8515

New Hartford

Carol Chiarello

$92,500

MaryBeth Roberts Michael Grassi

Pat LoGuidice

Paul Durrigan

Rosemary Nicotera

Ruth Fanelli

Sabrina Arcuri

Tom Conte

Tom Mazzotta

Wade Evans

Jerry Orsaeo

Jonathan Smoulcey

Updated 3 bd colonial. Modern kitchen, DR, 1.5 baths. Fenced yard. Garage.

MLS#1002426 www.Campionweeks.com

735-8515

L i f e and H o m e s

■

Exceptional, updated 3 bd ranch at the edge of Southeast Utica. Frankfort schools, 2 car garage, FR, pool, 2 decks.

MLS#1003415 www.Campionweeks.com 735-8515

Whitesboro

South Utica

$92,500

Very well maintained 2 family. 2 bds down, 3 bds up, separate utilities. Many updates, new windows, 2 car garage.

MLS#1002626 www.Campionweeks.com 735-8515

32

East Utica

$117,500

Wonderful 3 bd, 1.5 bath ranch. Updated bath, HW floors, attached garage.

MLS#1003333 www.Campionweeks.com

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

735-8515

Marcy

$129,900

Great opportunity to live in or run a business.

Lge 4 bd home w/ two 1 bd apts. Lge lot, zoned commercial.

MLS#1003578 www.Campionweeks.com 735-8515

Rome

$69,900

Great 4 unit bldg, well maintained. Separate utilities, lge lot, 2 car garage. Store front.

MLS#1002174 www.Campionweeks.com

735-8515

MVLS#41784

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

Gloversville

$189,900

Gloversville

$86,000

Fort Plain

$119,000

St. Johnsville

$89,900

Lovely Split level ranch with in-law apartment.

Nice deck overlooking the back yard. Kids clubhouse, Amish built 12x12 shed, and 14x8 shed for storage. Lots of room to add a garage.

Call Debbie Sicilia 518-495-5770

Great home in a nice neighborhood. Large open rooms with hardwood flooring. Woodwork could be stripped, huge open kitchen with eat in area.

Call Debbie Sicilia 518-495-5770

Buying or selling your home?

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

$250.00 off closing fee.

A beautiful Cape home, in a country setting, with an outstanding view of the valley. This home offers 2 or 3 bedrooms, a heated sun room, a working kitchen, a water treatment system, fire place and 2 full bathrooms. Call Bob Snell 518-321-9897

A beautiful single family home in a nice residential neighborhood. This home offers 3 bedrooms, a large kitchen, a beautiful open living room, lots of natural woodwork, and replacement windows throughout. Call Bob Snell 518-321-9897

November â–

www.Life and Homes .com

33

L i f e and H o m e s

LifeandHomes.com Utica

Open Market Listing Service™ Vernon

$209,900

4140 Churton Road

2 Bedrooms / 2.0 Baths

2 Bedrooms / 2.5 Baths

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

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

Buck Construction • 315-736-0865

Amy La Clair • 315-790-4153

Buck Construction

New Nest Realty

Contractor/Developer • alyssabuck@buckconstruction.net

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

$114,900

6 Black Ave East

3 Bedrooms / 1.0 Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42247

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

Linda Peters • 315-527-1252

Amy La Clair • 315-790-4153

New Nest Realty

Lic R.E Associate Broker • LindaAPeters@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

Vernon

Licensed Mortgage Banker NYS Banking Dept

Verona

$28,000

0 Irish Ridge Rd

3+ Acre Lot

Flat Lot

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

For more details visit www.LifeandHomes.com Type in Quick Search #42216

Amy La Clair • 315-790-4153

Sue Rosendale • 315-374-7451

Hunt Real Estate ERA

Broker/Owner • info@newnestrealty.com

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Vernon

Licensed Mortgage Banker NYS Banking Dept

Verona

$99,900

$15,000

6 Judson Drive

5553 Town Line Road

3 Bedrooms / 1.0 Baths

Building Lot

For more details visit www.LifeandHomes.com Type in Quick Search #42218

For more details visit www.LifeandHomes.com Type in Quick Search #42055

Julie Stickels • 315-363-9191

Amy La Clair • 315-790-4153

Kay Real Estate

New Nest Realty

Assoc. Broker • kayhomes@dreamscape.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

Licensed Mortgage Banker NYS Banking Dept

Vernon

$149,900 4966 State Route 26 Rome Rd

Verona

3 Bedrooms / 1.5 Baths

3 Bedrooms / 2.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #42217

Amy La Clair • 315-790-4153

Julie Stickels • 315-363-9191

Kay Real Estate

Broker/Owner • info@newnestrealty.com

Assoc. Broker • kayhomes@dreamscape.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Licensed Mortgage Banker NYS Banking Dept

Happy Thanksgiving from

■

Clemens-Beckley Real Estate, Inc. 420 N. Washington St. Rome, NY 13440

315-334-1046

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 .

$99,900

7044 Lock Road

New Nest Realty

Central New York

$12,500

Cooper Street

New Nest Realty

L i f e and H o m e s

$169,000

1400 Woodbury Drive

Coldwell Banker Faith Properties

34

$299,900

North Utica

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

Give thanks to the LORD, for He is good; His love endures forever.

Ps 106:1

NAHI

Don Archer

NRPP

Call 315-792-9029

http://www.advancedhomeis.com

November â–

www.Life and Homes .com

35

L i f e and H o m e s

LifeandHomes.com Vienna

Open Market Listing Service™

$265,000

5 Bedrooms / 2.5 Baths

4 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41884

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

Ryan Kirch • 315-768-1680

Sue Rosendale • 315-374-7451

Hunt Real Estate ERA

Lic. R.E Agent • RyanKirch@cbpp.com

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Wampsvile

$189,900

Whitesboro

4 Bedrooms / 2.0 Baths

Multi-use Business Property

For more details visit www.LifeandHomes.com Type in Quick Search #41521

For more details visit www.LifeandHomes.com Type in Quick Search #42199

Denise Witchley • 315-337-0841

Ricardo Mauro • 315-793-8807

Blueprint Realty & Development Corp.

Lic. R.E Salesperson • Rick@rjmauro.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Waterville

$127,000

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Whitesboro

$105,000

141 Osborne

12 Powell Ave - 2 Units

3 Bedrooms / 2.0 Baths

6 Bedrooms / 2.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #42234

Douglas Lemery • 315-841-8834

Jean Hunt • 315-725-4700

Lemery Realty

Hunt For Homes

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

Broker/Owner • JeanHunt1@adelphia.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Western

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

$139,900 6769 Stokes-Westernville Road

Whitesboro

3 Bedrooms / 1.0 Baths

3 Bedrooms / 1.5 Baths

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

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

Kathy White • 315-768-1680

Rob Savoy • 315-337-2229

Coldwell Banker Prime Properties

55 Main St

Broker/Owner • info@royal1realty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Westmoreland

$147,900

Royal Realty

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

$121,500

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Whitestown

5116 Tudman Rd.

$85,000 5122 Westmoreland Road

3 Bedrooms / 3.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41577

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

Amy Abdoo • 315-794-2653

Amy La Clair • 315-790-4153

Dominion Homes

New Nest Realty

Broker/Owner • blon316@aol.com

Broker/Owner • info@newnestrealty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Central New York

Licensed Mortgage Banker NYS Banking Dept

$750,000 16 Main Street - Commercial

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

Barbara Dunn Realty

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

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

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L i f e and H o m e s

Low Mortgage Rates • Homestead Financial 315-768-1980

128 Genesee St

HomeComing Realty

35 Years Commercial Construction Experience 5 Years Home Inspection Experience

215 N. James Street Rome 315-337-1677 • dunnrealt@aol.com 36

$129,900

7547 State Route 5

Coldwell Banker Prime Properties

N TIO C AU

Westmoreland

8306 Maple Flats 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 .

PO Box 126, Sherrill, NY 13461

Call 315-363-8074

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

mortgageCorner

Time to Think About

Your Annual Mortgage Taxes

by Mike Lesmeister, CRMS, CMPS

Whether you have refinanced your existing home loan or taken a second mortgage, your lender should send you a Form 1098 each year which indicates the amount of mortgage interest you’ve paid during the year.

In most cases, that amount is tax-deductible on your Federal income tax return. You will need to file a Schedule A in order to itemize your deductions to claim this benefit, but the savings are worth the extra work for most taxpayers.

You should also receive an annual escrow statement indicating how much of your mortgage payments were used to cover expenses like homeowner’s insurance and real estate taxes.

If this doesn’t land in your mailbox in a timely manner, call your lender and ask for this information.

It is important to keep your eye out for your escrow statement because property taxes are also deductible, and in Texas particularly, this represents another powerful tax break. If you pay your taxes on your own, you might do a quick review of your likely income for the next year. If your income will be substantially higher one year vs. the next, you might want to load up on deductions and pay your property taxes in the calendar year in which your income will be higher to maximize the value of the deduction.

If you took out a new mortgage in 2010, one of the most important tools you can provide to your tax professional is your HUD-1 Settlement Statement. This document will give your tax preparer all the information they need to maximize your deductions, so keep it in a safe place.

For more specific details on any of the tax saving ideas discussed here, visit the IRS web site at www.IRS.gov.

Author Mike Lesmeister, CRMS, CMPS, is a licensed mortgage broker and a managing director with Home Loan Specialists, Inc. a Houston-area mortgage lender specializing in low rate mortgage refinancing in The Woodlands, Spring, Tomball, Conroe, and Houston, Texas. (GoArticles.com)

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

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

37

L i f e and H o m e s

Adam Hearty

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Points paid on a purchase money mortgage are typically deductible in the year which your home was acquired if the property is your primary residence and your mortgage is less than $1

Though not widely known, mortgage insurance premiums may also be tax deductible whether premiums are paid to FHA or private mortgage insurance companies. You can also deduct mortgage insurance on a refinance of acquisition debt. VA Funding Fees are deductible in the year in which they are paid, while FHA and private mortgage up-front mortgage insurance premiums are typically deductible over 7 years

or the life of the loan. There are a number of restrictions, so borrowers should consult their tax advisor for specific details.

November

If you have a second mortgage on your property, such as a home equity loan or a home equity line of credit , much of the interest paid on those loans is deductible. Every dollar used to finance home improvement projects up to $100,000 reduces your taxable income dollar for dollar.

million. If you refinanced this year, your points can also be deductible, though usually over the life of the mortgage rather than in a single year. For example, a borrower with a 15-year mortgage loan would be able to deduct 1/15th of the paid points every year, until the loan is paid off or refinanced. This prorated deduction also applies to points paid to acquire a vacation home.

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

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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.

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Dependable Service for 20 Years.

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Laura Minard

4957 Commercial Drive Yorkville NY

768.1680 Ext. 205 525-1974 Cell

Just carving out the time to Thank You for your business, friendship, & support.

Wishing you & yours a bountiful Thanksgiving!

3 bedroom 1.5 bath $74,900 Huge Yard- Room to Expand.

Fireplace, Hardwood Floors!

3/4 bedroom 1 bath $44,900 Private lot just off the parkway.

Closing cost offer.

Deerfield $209,900 3 bed 2.5 bath 2 car.

Perfect move in condition! Great home for the holidays with quick closing available

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

New Construction! Many Locations to Choose From!

Colonial Square

Buckland Estates from $269,900 Westmoreland 4 Bed 2.5 Bath $209,900 - Affordable!

Be in your new home for the holidays!

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!

Come Tour Our Newest Model!

www.coldwellbankerprime.com/gloria.rocci

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

Madison County

$499,900

$290,000

$160,000

$152,000

Close to I81 Close to Cortland and Syracuse.

15 acres. Very quiet road surrounded by State Forest. Nice 3 bedroom Ranch Home. Big living room with a beautiful fireplace. Large 2 car garage with side addition for 4wheelers and snowmobiles. Buildings all set on the end of a 500ft drive. This is a quiet and private property. Phenomenal deer hunting. Great location close to the Finger Lakes, ski areas, hospitals, shopping, airports.

www.Life and Homes .com

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L i f e and H o m e s

Hobby Farm located just south of Utica NY. 15 m/l acres situated on a quiet road with a gorgeous view! Good 2 story Dairy Barn. Would work well for horses, beef, and plenty of hay storage. Good 2 story 3 bedroom farm house.

One car garage. Farm has a good location close to shopping hospitals and schools. A quiet setting. Very nice place to live. Would be a nice place to raise a family, run a few horses or beef.

Soils are very conducive to growing vegetables.

Cortland County

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Gentleman’s Farm near Norwich, NY. Certified Organic. 70 acres total. 20 acres in woods, 15 acres in fields, balance pasture. Pasture with year round stream. Good 2 story barn with drive in mow. 47 ties. Nice barn in good shape. Second barn for storage and young stock. Good 2 story 4 bdrm Colonial home. Farm has 2 wells, excellent water. This is a nice little farm to raise beef or horses. Quiet road. Hospitals, schools, and shopping close by. Asking $290,000 with mineral rights. Owner is looking for an offer.

Bridgewater

November

New Listing - Madison County Free Stall – 180 acres Beautiful Land. Large 2 story home, 7 bedrooms, 2 baths. Also 2 bedroom mobile home for hired help. Good Modern 6 row Penn State Center Feed Barn, 120 stalls, alley scrapers, 35,000 gallon manure tank. Good 2 story barn has been revamped with a double 8 parallel parlor. Large holding area, 4 large maternity pens w/lockups, 16x60 bedding pack. 3 nice concrete bunker silos, Good drilled well. Reasonable taxes $5500. Feeds, cattle, machinery available.

Chenango County

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