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Complete Real Estate Listing Directory @ LifeandHomes.com

Life and

For Just A Little More…

Homes

House hunting can be exciting, frustrating, exhilarating and exhausting. If you’re just beginning the process, prepare yourself to look at many houses before you find “the one”. Beware, though, of the “super-size” it temptation. You know the drill. You order a small (fill in the blank) and the helpful cashier reminds you that for just a few cents more, you can super-size your order.

jefferson-lewis co. NY, Edition Published By LISI MERCHANT SOLUTIONS, INC. Publication Franchisee, RMC David P. L isi

It’s pretty common for potential buyers to lose focus somewhere in the shopping process. You start out looking for three bedrooms and two baths but once you walk through that corner house with the extra room that could be used as a spare room or den, you’re tempted to spend just a little more to get a little more.

Before you know it, instead of looking at houses safely within your target price range, you’re touring homes on the high end of that budget and convincing yourself you “deserve” the extra space.

Corporate Editor Kim L isi Kim@dslisi.com

How to Reach Us

How do you combat the temptation to over-shop? Make a checklist of the things you’ve decided ahead of time are a “must have” for your future home.

This might include a specific number of bed/bath rooms, location, storage space, David P. Lisi , RMC move in condition and, of course, price point. Make a commitment to stick to Real Estate Marketing Consultant 315-865-5845 • David@dslisi.com your budget and “must have” list, and if you’re using a real estate agent, insist they only show you listings that meet your specific criteria. Find someone who will hold you to your list and listen when they remind you you’re straying outside your boundaries. Saving just a little more generally yields more favorable results than spending just a little more.

LifeandHomes can make your home search easier. This issue features some of the best real estate deals on the market in a wide variety of price ranges. Visit www.LifeandHomes.com and use our Open Market Listing ServiceTM to view even more real estate listings including residential, commercial, waterfront, multi-family and land/lot properties.

Mortgage rates are holding at record lows and the market is brimming with listings. July is shaping up to be a great month for buyers and sellers. Get your checklist together and start house hunting. You know the drill.

i David P. Lis

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 Thrasher 315-941-3452

rob.thrasher@gmail.com

Distribution 1.888.260.3343 x2

Media Partners WWTI NEWS CHANNEL 50 myabc.50.com

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Advertising Deadline August Issue July 23 , 2010

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

315-865-5845 Fax 1-315-865-7418

Northern New York

www.LifeandHomes.com For franchise information call, 315-865-5845 Life and Homes 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.

L i f e and H o m e s

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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 LifeandHomes, Inc.

2

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 .

You can do that with

vinyl siding?

With the economy making a slow rebound, homeowners continue to look for cost-effective options when building or renovating their home. Natural exterior building materials are often very expensive and require both time and money to maintain. Choosing vinyl and polymeric siding is one way people are saving on building materials. Both siding options, which many considered at one time to be fake-looking or boring, have become one of the most versatile, detailed and eco-friendly home exterior products available on the market today.

Throughout the last few decades, vinyl cladding products have evolved from simple, smooth, non-engineered panels without much detail, to now include hundreds of colors including dark hues, engineered features that drastically improve on-the-wall performance, and computer digitized woodgrains from real wood to create authentic-looking accents and profiles such as shake, shingle and scallops. The ability of manufacturers to create natural-looking products that can be customized for a wide range of home styles means that homeowners in every part of the country can find a style that suits them.

For more information about the attributes of vinyl siding, visit www.plygem.com, and check out www.bsbdesign.com for ideas on personalizing your home with vinyl siding. (ARA)

U.S. Housing and Urban Development (HUD) Secretary Shaun Donovan announced nearly 8,000 homeless veterans will get permanent housing assistance through a HUD rental assistance program that connects homeless veterans from local Veterans Affairs Medical Centers (VAMC) with rental assistance vouchers provided by local public housing agencies. HUD’s Veterans Affairs Supportive Housing Program (HUD-VASH) will provide local public housing agencies with $58.6 million in funding specifically targeted to assist homeless veterans in their area.

The Colors of “Now”--Homeowners interested in giving their spaces a more dramatic pop can join the trend toward incorporating bright, vibrant colors into the home. Profound pinks and rusty oranges can be found playing against off-whites and stony grays to create a space that is sensual, eclectic and worldly.

Playful yellows in combination with pure white and sleek black pack a punch and are great for the home decorator who isn’t afraid to make a bold statement.

“Frivolous choices are a thing of the past,” says Dee Schlotter, paint color expert at The Voice of Color, PPG Pittsburgh Paints. “Today’s color trends have staying power. You renew instead of buying new. You choose sustainable colors with an environmental and economic awareness that’s becoming second nature for us all.”

For a local breakdown of the rental vouchers, visit hud.gov

REAL ESTATE Top Performers

Nancy D. Storino Real Estate

Nancy D.

Storino-Farney Broker-Owner

315-527-1252

Whether you want to stick with the classic colors of then, the current colors of now or create your own style, you’ll want a high-quality paint brand that offers a variety of color choices. For example, PPG Pittsburgh Paints has nearly 2,000 colors, unique color palettes and yearly color trends.

Century 21 Millenium Realty

Betty Bork

315-404-8242

To learn more about the latest colors and trends and to find a nearby paint dealer, visit www.voiceofcolor.com. (NAPSI)

Great Job! www.Life and Homes .com

3

L i f e and H o m e s

When you’re ready for a change, you can have a new home without changing your address.

How? With paint. Homeowners looking to change up their decor have found that color trends in home design are deeply rooted in

The Colors of “Then”--For those looking to incorporate a more classic feel into their homes, neutrals such as deep gray-brown, muted and warm beiges and asphalt grayblue are choices that work together to create environments that are calm and organic. Together, they allow for a merging of modern and rustic styles. Creamy whites, serene sea foam blue-green, pale butter and deep bronze-golds with metallic finishes provide a similar feeling, but can create a more refined and romantic space.

For Veterans

■

Decorating Ideas

HUD Housing

July

Colorful Home

both “then” and “now.” The idea of decorating using colors that reflect the new and the old takes shape by showcasing classic, calming neutrals with a few energizing standout colors, such as bright pinks and yellows.

Tips And Gear To Make Travel

More Enjoyable Getting the right on-the-go gear is an easy and affordable way to avoid the stress of traveling and can keep everyone entertained. Here are some helpful tips to make your vacation more enjoyable: • Bring a survival kit--Travel plans don't always go smoothly, so ensure you can keep everyone in good spirits in the unlikely event of a breakdown or airport delay. Essentials such as snacks, sunscreen, bottled water, first-aid supplies and a flashlight can help you weather the unexpected.

The little extras--coloring books and crayons, a favorite pillow or blanket, DVDs to watch en route and a Kindle loaded with your favorite books (available nationwide at Target)--will keep everyone comfortable and occupied.

Northern New York

• Watch the road--Having maps handy will take the hassle out of any road trip--or even the quick drive across town. A GPS navigation system is a must-have to keep your travels headed in the right direction. Most GPS systems can guide you through unfamiliar areas; suggest an alternative route around rush hour traffic; find the closest hospitals, police stations and fuel stations; and perform an increasing array of infotainment functions. Printing out airport or roadside maps ahead of time lets you preplan your pit stops and make the most of every minute.

L i f e and H o m e s

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• Keep kids entertained--Keep boredom at bay by bringing along entertaining gadgets such as the RCA 10" portable Blu-ray player ($299.99 at Target) or the new big-screen Nintendo DSi XL handheld that will keep kids of all ages amused for hours, on and off the road.

• Tune in or out--Take your iPhone or iPod Touch and you can use free apps such as Pandora Internet Radio and Shazam to turn your trip into a musical adventure. Just make sure you don't forget an iPhone/iPod car stereo 4

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

newsShorts

adapter-they're available for almost any car, whether you have an auxiliary input, AM/FM adapter or a tape deck connection. Also, bring along some headphones for those family members who prefer to travel to the beat of their own iPod. • Capture the moment--Don't miss a moment of the fun--capture it on video so you can share and remember your trip for years to come. With the Flip MinoHD Camcorder, it's easy to film your own videos and upload them directly to Facebook or to your computer. The Flip is a stylishly small, pocket-sized device and it's available for $199.99. (NAPSI)

Countrywide

often by 100% or more – and Countrywide then charged the homeowners the marked-up fees.

Countrywide earned substantial profits by funneling default-related services through subsidiaries that it created solely to generate revenue.

According to the FTC, under most mortgage contracts, homeowners must pay for necessary default-related services, but mortgage servicers may not mark up the cost to make a profit or charge homeowners for services that are not reasonable or appropriate to protect the mortgage holder’s interest in the property. (FTC) 59% of homeowners with a mortgage would not consider walking away from their home no matter who much their home is ‘underwater”.

- Survey by Trulia and Realtytrac.

Fined $108 Million For Overcharges Two Countrywide mortgage servicing companies will pay $108 million to settle Federal Trade Commission charges that they collected excessive fees from cash-strapped borrowers who were struggling to keep their homes. The $108 million will be used to reimburse overcharged homeowners.

According to the complaint filed by the FTC, Countrywide’s loan-servicing operation deceived homeowners who were behind on their mortgage payments into paying inflated fees – fees that could add up to hundreds or even thousands of dollars. When homeowners fell behind on their payments and were in default on their loans, Countrywide ordered property inspections, lawn mowing, and other services meant to protect the lender’s interest in the property, according to the FTC complaint. But rather than simply hire third-party vendors to perform the services, Countrywide created subsidiaries to hire the vendors. The subsidiaries marked up the price of the services charged by the vendors –

LifeandHomes provides Free Access to

High Definition real estate Videos on Demand

Local Homes For Sale Go to

www.LifeandHomes.com click on

“Video Channel”

LH

To Learn more about Life on Demand videos Contact- V Productions at 315-520-3524 or email: info@dashvproductions.com

QSN#41520 QSN#41521

Wampsville

$199,900

A beautiful mix of old world charm and modern conveniences. Home completely renovated.

Quality craftmanship abounds. Ceramic tiles, floors, kitchen island, cabinets, windows, carpets, baths, garages, septic, water heater and I’m sure I missed a few - all new! Lovely yard. Plenty of space for play and entertaining inside and out.

QSN#41379

“The Key to your front door”

Rome

$59,900

3 bed ranch - could be 4. Has main floor laundry. Nice layout. Convenient location.

Good sized back yard.

Denise Witchley Lic. Real Estate Broker/Owner 337-0841 office 335-6971 cell 337-7973 fax

QSN#41157

QSN#41380

For more information on any of these homes, visit

www.LifeandHomes.com and type in the QSN#

Rome

$57,000

3 bed 2 full bath mobile home.Open floor plan.

Nice and bright. Fireplace in living room; double closets in master suite; ramp; super back deck, central air and private back yard.

Rome

$87,900

4 bed 2 full bath home with tons of space. Good sized rooms. Sliding doors from both the formal dining room and family room downstairs lead to deck and above ground pool. Large back yard.

Convenient location!

Rome

$65,900

Bring your suitcases! Adorable 2 bedroom - bigger than it looks.Well kept, clean. Located on a less-travelled street. Master bed has large walk in closet. Nice sitting room upstairs. Great sun porch facing large back yard.

Owner needs to find and close on suitable housing.

Rome

$149,900

Rome

$174,900

Farm/Land

QSN #33888

Commercial

QSN #33926

Rome (Sale Pending) 2 Family

$29,900

QSN #33755

www.homecomingrealty.net • 734 Erie Blvd. W, Rome, NY 13440 WWW.LAKEONTARIOREALTY.COM “No one knows the lake country like US!” Free Market analysis!

Call US today, we can show you aNY property listed with aNY company!

Now is a great time to buy! email or Text!

12396 NYS Rte 12e, Chaumont, NY 13622

April Marvin

(315) 778-8042 • April@LakeOntarioRealty.com Watertown

$279,900

Three Mile Bay

$500,000

Sacketts Harbor

Lic. R.E. Salesperson

$49,900

July ■

Un-imaginable dream piece of property here! one of the last larger lakefront parcels, we are offering for sale 57 acres of land with over 900` of waterfront and around 1200` of total shoreline which includes a little peninsula! The potential here is amazing!

Beautiful wood lot on Lake ontario build your dream cabin or house.100ft of Waterfront with dock great for fishing boating or swimming it is located in Sackets Harbor on very private road.

www.Life and Homes .com

5

L i f e and H o m e s

3 Bed/2 Bath Split Level home on 5.14 acre lot with finished basement, eat-in kitchen, vinyl siding and attached garage. In-ground pool also!

newsShorts Simple Fixes That Will Make

Your Kitchen Feel Brand New When it comes to your kitchen, details make all the difference. It’s often the most used and best-loved room in the house, so having a room that meets your needs and expresses your personality is key. If your kitchen’s design has been frustrating you by creating clutter and giving your home an out-of-date feel, it’s time to make some changes.

The good news is that, because details carry so much weight, making relatively small adjustments can have a lot of impact without being prohibitively expensive.

One of the simplest changes you can make is changing the hardware on your cabinets, but this little move can completely alter the feel of your room.

Whether your cabinets are minimalist, traditional or somewhere in between, you can give them a different spin by changing the finish or style of your cabinet knobs and handles.

Right now, trends are leaning toward softer, muted finishes like oil-rubbed bronze and brushed nickel.

The Aspen line from leading decorative hardware maker Top Knobs is available in wide variety of styles, whether you’re looking to change the cabinet hardware in your kitchen, bath or on your closets.

“While it used to be that rubbed bronze was used in rustic, cabin-like settings, it’s now being used in a wider variety of kitchen styles,” says David Tyler of Top Knobs. “When it’s styled in a contemporary way, it completely changes the effect and it can be used in kitchens that range from transitional to modern.”

L i f e and H o m e s

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Northern New York

No matter what kind of decor you have, pay attention to quality. It’s easiest to gauge this if you can feel and see the products in person. While you can go to a show room to test things out, Top Knobs also sends out free samples of its solid, hand-finished metal drawer knobs and handles. You can place a sample order through their website, www.topknobsusa.com, and in a couple of days, you’ll be able to try out new cabinet hardware right at home.

If your cabinets have started to feel dated, it might be time for a complete change. Sleek, modern cabinets with subtle details are growing in popularity, but many homeowners are choosing to combine elements of traditional style with newer developments for a look that is both clean and comfortable.

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 .

Cabinet colors are proliferating, giving you more choices. Today, if you want cherry cabinets, you can choose from an array of warm, rich tones instead of only having one option. For those looking for a fresh, light feeling in the kitchen, white cabinets are still the go-to solution.

It’s OK to get a bit more creative with the color of your walls, letting them say something about you.

When making paint choices, look to color forecasts.

This year, it’s all about tones found in nature, from the bold (coral, turquoise, bright yellow and red) to the soft (blush pink, muted greens and soft browns).

Again, it’s important to see how things will look in your house, so use cabinet and paint samples offered by many retailers. The light in your home could cause the color that won your heart in the store to look totally different.

Perhaps the quickest fix of all, and one that you can make today, is to clear clutter. When too many gadgets crowd your countertops or papers collect on the fridge, the space can feel chaotic. If you need to rearrange the contents of your cabinets to find storage space, make a weekend project out of it.

While you’re doing the re-arranging, look for items that you can do without and set them aside for a yard sale or donation to a charity. The ultimate luxury of having more storage space will mean more than having a gadget you use once a year. When things are all in their right places, you can tackle the next step in reviving the look of your kitchen. (ARA)

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

& TALK Spotlight on a Safer Home

Mon thur Friday 3:00 EST with Talk Host Rob Thrasher Most of us have heard about the necessity to soften the water, sometimes pour chemicals into the water and other things, but did you know that there are other tests you should perform on your well water every year? According to the NY State Department of Health, you should test for Coliform every year during the wet seasons. How many of you were not aware of that?

Listen Live or Log On Anytime at www.LifeandHomes.com - Click on Talk Radio

Your All Inclusive Home Directory Alexandria Bay

LifeandHomes.com Cape Vincent

$498,000

19597 Collins Landing

$110,000 27738 Dablon Point Road

5 Bedrooms / 3.5 Baths

81 Acres

For more details visit www.LifeandHomes.com Type in Quick Search #41642

For more details visit www.LifeandHomes.com Type in Quick Search #41044

Chuck Burlingame • 315-771-3421

Allen Walker • 315-771-8189

Bowes Realty

Bowes Realty

Lic. R.E Salesperson • ctbbowesr@yahoo.com

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

Home Loan Solutions • Northern FCU • 315-771-4783

Alexandria Bay

Home Loan Solutions • Northern FCU • 315-771-4783

Cape Vincent

$110,000

$125,900

90 Walton Street

273 E James St

3 Bedrooms / 2.5 Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41543

For more details visit www.LifeandHomes.com Type in Quick Search #33793

Betty Bork • 315-404-8242

Allen Walker • 315-771-8189

Century 21 Millennium Realty

Bowes Realty

Licensed Associate Broker • bbork@nnymls.com

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

Home Loan Solutions • Northern FCU • 315-771-4783

Alexandria Bay

Home Loan Solutions • Northern FCU • 315-771-4783

Cape Vincent

$279,000

$230,000

45226 Taylor Road

346 James Street

5 Bedrooms / 3.0 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41018

For more details visit www.LifeandHomes.com Type in Quick Search #32976

Lisa Watson • 315-286-9682

James Wiley • 315-778-1360

Coldwell Banker-Rimada Realty

Bowes Realty

Lic. R.E Salesperson • MLBJS5@hotmail.com

Agent • jameslwiley@tds.net

Home Loan Solutions • Northern FCU • 315-771-4783

Brownville

Home Loan Solutions • Northern FCU • 315-771-4783

Cape Vincent

$179,900

$399,000

208 Brown Blvd

28043 Stony Point Road

3 Bedrooms / 1.5 Baths

5 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33946

For more details visit www.LifeandHomes.com Type in Quick Search #41606

Judy A. Condino, GRI • 315-405-8127

Melanie Curley • 315-778-2458

Condino Realty NY, LLC

Thousand Islands Realty, LLC

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

Lic. R.E Broker/Owner • melc@gisco.net

Home Loan Solutions • Northern FCU • 315-771-4783

Cape Vincent

Home Loan Solutions • Northern FCU • 315-771-4783

Cape Vincent

$115,000

$849,000

Dablon Point Rd. Lot A

4582 Bach Lane

87 Acres

3 Bedrooms / 3.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41224

For more details visit www.LifeandHomes.com Type in Quick Search #41321

Allen Walker • 315-771-8189

Melanie Curley • 315-778-2458

Bowes Realty

Thousand Islands Realty, LLC

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

Lic. R.E Broker/Owner • melc@gisco.net

Home Loan Solutions • Northern FCU • 315-771-4783

Home Loan Solutions • Northern FCU • 315-771-4783

Lisa Watson

Licensed Real Estate Salesperson Rimada Realty

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

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

START LIVING YOUR DREAM TODAY!

Call Dean Case 315-942-4949 • Cell 315-534-3319 • Fax 315-942-2527

Phone: 315-286-9682 Email: MLBJS5@hotmail.com

Adirondack Builders, Inc. is an independently owned and authorized dealer/builder for Tennesee Log Homes.

We Stock

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

266 Manwaring Road, Pulaski, NY 13142 • 315-298-6407 www.Life and Homes .com

7

L i f e and H o m e s

1063 C Arsenal Street Watertown, NY 13601 (P) 315-788-4444 (F) 315-788-5235

hardwood flooring • stair parts • molding

■

Rimada Realty

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

July

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

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

LifeandHomes.com Champion

Your All Inclusive Home Directory

$149,900

10014 NYS RTE 12

3 Bedrooms / 1.0 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41647

For more details visit www.LifeandHomes.com Type in Quick Search #41541

Lisa Watson • 315-286-9682

Nancy Rome • 315-493-2134

Lic. R.E Salesperson • MLBJS5@hotmail.com

Chaumont

Dexter

2 Bedrooms / 1.0 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33485

For more details visit www.LifeandHomes.com Type in Quick Search #41658

James Wiley • 315-778-1360

Doris L. Olin • 315-783-0241

Agent • jameslwiley@tds.net

Chaumont

$74,800

19037 NYS Rt 12F

Coldwell Banker-Rimada Realty Lic. R.E Associate Broker • dolin@gisco.net

Home Loan Solutions • Northern FCU • 315-771-4783

$219,900

Home Loan Solutions • Northern FCU • 315-771-4783

Dexter

$264,900

29411 County Rt 179

25277 Road 152

3 Bedrooms / 2.0 Baths

4 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41656

For more details visit www.LifeandHomes.com Type in Quick Search #41654

Amanda Miller • 315-649-3434

Amanda Miller • 315-649-3434

Lake Ontario Realty

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

Home Loan Solutions • Northern FCU • 315-771-4783

Constableville

$99,900

Lake Ontario Realty

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

Home Loan Solutions • Northern FCU • 315-771-4783

Dexter

$138,900

3708 Sweeney Road

732 Brown

2 Bedrooms / 1.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41546

For more details visit www.LifeandHomes.com Type in Quick Search #41655

Barbara Dunn • 315-337-1677

Amanda Miller • 315-649-3434

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

Home Loan Solutions • Northern FCU • 315-771-4783

Constableville

Lake Ontario Realty

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

Home Loan Solutions • Northern FCU • 315-771-4783

$127,000 3706 Sweeney Road / 15 Acres

Dexter

3 Bedrooms / 1.0 Baths

5 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41545

For more details visit www.LifeandHomes.com Type in Quick Search #41657

Barbara Dunn • 315-337-1677

Amanda Miller • 315-649-3434

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

Home Loan Solutions • Northern FCU • 315-771-4783

Northern New York

Home Loan Solutions • Northern FCU • 315-771-4783

$229,500 6383 Failing Shores Lane

Bowes Realty

Jeff Powell

RE/MAX Empire Realty

I’m a former soldier, born and raised in Watertown. I came to Re\Max Empire Realty after 15 years of restaurant management. I work with troubled teens at Jefferson County Jail & believe in giving back as much as possible. I’m involved in the addiction ministry at my church and my faith is a big part of my life. I enjoy bringing my business experience to the real estate field & find it helps in the process. I look forward to working with you.

■

Rome RSA Realty L.L.C. Lic. R.E. Broker/Owner • nrome@twcny.rr.com

Home Loan Solutions • Northern FCU • 315-771-4783

L i f e and H o m e s

$153,900

35933 Line School Road

Coldwell Banker-Rimada Realty

Phone: 315-777-7836 Email: JeffPowell@remax.net

8

Copenhagen

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 .

Builder land tours Are you a builder, a buyer looking to build or just nosy?

Come take a tour of multiple locations offering over 300 acres in Deerfield, Sauquoit and Hinckley Lake. Meet the owners and maybe your builder!

Builders: Meet your next buyer!

Call any time schedule your tour. Schedule your tour during the work day, after hours or on the weekend.

call rob: 315-235-3753

$189,000

15276 NYS Rt 12E

Lake Ontario Realty

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

Home Loan Solutions • Northern FCU • 315-771-4783

James Wiley Licensed R.E. Assoc. Broker Bowes Realty

Bowes Realty is the oldest active Real Estate Agency in the Thousand Islands Area.

Bowes Realty: 315-686-3315 Phone: 315-778-1360 Email: jameslwiley@tds.net

Watertown

G TIN

LIS W

942 Salina St

NE

Watertown

G TIN

$179,000

LIS W

919 Academy St

NE

5 Bedrooms / 1.5 Baths

4 Bedrooms / 2 Baths

Welcoming semi-wrap around porch to enjoy the summer months. Beautiful 5 bedroom Victorian home.Fantastic U-shaped kitchen with lots of cabinets and counter space. Large open living room with original gleaming hardwood floors, built-ins and pillars.

Go to nnymls.com and Type in MLS#S234584

Watertown

$258,900

16300 US Rte 11 5 Bedrooms / 2 Baths

enter through the enclosed porch to a large 4 bedroom, possibly 5 bedroom home. Lots of updates to include a remodeled kitchen and bathroom. Kitchen features all new cabinets, countertops, appliances, and flooring. Mudroom at the back.

Go to nnymls.com and Type in MLS#S232230

D CE DU E R

open floor plan. Lots of natural light throughout.

Great big kitchen which features oak cabinets, lots of counter space and an island. off of the dining room are sliding glass doors that lead to the back patio and a nice yard.

Go to nnymls.com and Type in MLS#S234050

FT. O

T SE

CLO

UM

DR

Felts Mills

LE

3 Bedrooms / 1 Bath Great ranch knocking on Ft. drum`s back door.

Talk about convenience. Possible 3 bedrooms - finished basement area was used as a third bedroom, but feel free to use it as a kids playroom as well.

Go to nnymls.com and Type in MLS#S229758

5A

CR ES

Rodman

$208,999 13115 County Route 156 3 Bedrooms / 2 Baths This home sits on a wonderful lot. approximately 5 acres with two stocked trout ponds. 2 Car detached garage.New wood stove to enjoy in the open living room with vaulted ceilings.Sliding glass doors that lead to a porch that overlooks the ponds and woods!

Go to nnymls.com and Type in MLS#S221137

$124,000

30139 Burnash Ave

$169,000

SA

ING ND E P

Lisa Watson Lic RE Salesperson

Rutland

$279,900

31055 Percy Chicks Dr 3 Bedrooms / 2 Baths Beautiful ranch situated on a partially wooded lot.

Wonderful open floor plan with a great flow. Large open kitchen with stainless steel appliances and plenty of counter space and cabinets. Large master bedroom large w/ a walk-in closet and a master bath.

Go to nnymls.com and Type in MLS#S233974

Rimada Realty

Coldwell Banker Military Markets Specialist

1063 C Arsenal Street Watertown, NY 13601 (P) 315-788-4444 (F) 315-788-5235

(P) 315-286-9682 (E) MLBJS5@hotmail.com (W) softmls.com/realtorwatson

Thousand Island Area Property $199,000 • Log Hill Road • Alexandria Bay

Privacy in the Woods! This Alex. Bay log sided home has 3 gas fireplaces, decks that put you in the treetops, and a hot tub on the main deck. Wooded paths for walking and skiing make this a perfect get-away. This home offers storage and space galore. It needs some repair, but the seller’s loss is your gain! There is an attached 2 car garage, and two detached storage buildings for all your toys! Three to four bedrooms, and a home office make it perfect for a variety of needs. Nearly nine acres of woods filled with deer, turkey, and more to call your own!

$125,000 • Orleans Ave • Fisher Landing

$24,900 • County Route 15 • LaFargeville

www.Life and Homes .com

9

L i f e and H o m e s

Country Building Lot just a minute from Route 81 (20 minutes to Fort Drum and Watertown; 15 minutes from the St. Lawrence River). Pretty level lot with stream will be a wondeful spot for your new home. Nearly 3 acres give you lots of room for you house and more.

■

42781 NYS Route 12 Alexandria Bay, NY 13607 (315) 836-3578 Office (315) 836-3539 Fax (315) 778-9280 Cell DEBBIE@THOUSANDISLANDHOMES.COM WWW.THOUSANDISLANDHOMES.COM

July

Deborah Schaefer, GRI, CBR Broker Owner

Summer and Winter Get-A-Way! Can’t afford to be on the river? Immaculate mobile with 12 X 12 dining room addition with waterview and free use of the waterfront for swimming and fishing. Custom kitchen new in ‘08, new windows and 3 decks (2 covered). Marinas nearby for dockage. Large landscaped lot and a detached garage plus a storage shed for all you lawn equipment. Well maintained and ready for you to move into; Seasonal or year around. The taxes are cheaper than most mobile home parks.

Featured Home

watertown 16666 Co Rte 156 (Plank Rd)

$298,500

Quality 2004 colonial style home features beautiful custom kitchen with stainless appliances and granite countertops, in floor radiant heat, dining room and front living space has a two-way gas fireplace which divides the rooms.

Additionally, great room was added for extra living space.

Modern color selection throughout, 4 good sized bedrooms and oversized walk-in cedar closet in master suite with whirlpool tub. Finished carpeted basement used for family room and toy room for kids.

Diana Hadlock

Cell: 315-783-1293 Office: 315-788-4444

RIMADA REALTY

For more information go to www.rimada.com and type in MLS # S229142

BOwES REALTY, LLC

Bowes Realty LLC

Allen Walker

40219 NYs rT 12 Clayton NY 13624 p: 315-686-3315 f: 315-686-5068

NYS Rte 342, Calcium

315-771-8189 e- Bowes@twcny.rr.com W - www.Bowesrealty.com

$79,000

Dablon Point Rd, Cape Vincent

$115,000

3 bed/1 bath single-wide home with eat-in kitchen. Barn in

Beautiful .87 acre lot for sale in Jefferson County. Located

backyard for storage.

in the town of Cape Vincent. Water frontage 102’, depth

mLs # s226383

375’. electric and telephone already on site. Lot includes a

Northern New York

year round road. mLs # 226465

East James, Cape Vincent

$125,900

Dablon Point Rd, Cape Vincent $110,000 Desirable .81 acre lot for sale in Jefferson County. Located

opener, wood screens/storms-some. eat-in kitchen. Attached

in the town of Cape Vincent. Water frontage 107’, depth

garage. Corner Lot.

343’. electric and telephone already on site. Lot includes a

mLs # s226441

year round road. mLs # 226471

L i f e and H o m e s

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3 bedrooms/1.5 baths. Cable tv available, garage door

NYS. Rte 180, Clayton

$124,900

Very well maintained county home with 5.1 acres of land.

Nearly new metal roofs on house and all out buildings.

Large yard,with woods with mature trees.5 minutes to a public boat launch,Bridge to Canada,and NYs rte.81.House is in move in condition.Wide lot with 760 feet of road frontage.14 x 32 in ground pool,plus two garages,one 24 x24,the other 18 x 24. mLs# s234038

10

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 .

Lots for Sale 10 acre lot: 4+ acre lot: 5+ acre lot: 5+ acre lot:

macomb settlement rd.

1 off rte 11 1 macomb settement rD. 1 macomb settlement rd.

Chaumont Watertown Three mile Bay Three mile Bay

$19,900 $24,900 $10,500 $10,500t

July â–

www.Life and Homes .com

11

L i f e and H o m e s

MLS# S234927

$169,900 MLS# S234122 Carthage Just Wait till you see inside-Shows Beautifully in Mint turn key condition. Open , Bright sunny interior and open staircase with new wall to wall carpet.Eat in kitchen with Hickory cabinetry and center island.

Original gleaming hardwood floors, access to large private deck over looks a 2nd private woodsey lot takes up middle of the entire block. Large gorgeous, private, master bedroom 21 x 13 with dual access bath. Recent roof, heat system 1st floor bedroom-family room plus separate office. Taxes are before Star and VA exemptions.

MLS# S235255

Nancy “D” Real Estate Clayton

$498,000

One owner custom built to perfection. Colorado Style home w/3 levels of finished living space. Gorgeous wood random cut hardwood flooring. Arts & crafts shaker-mission style,1/4 saun oak cabinetry, ceramic tile flooring & counters, unique pasta counter faucet near stove, 9x28 covered porch, 9x16 encl back porch.

MLS# S235073

MLS# S235378

Nancy D. Storino Lic. Real Estate Broker/Owner 788-7171 office 782-4604 fax nancyd@nancyd.com For more information on any of these homes, visit

www.nancyd.com Watertown

$261,900

Mint Conditon + ready occupany located on quiet U-Shaped Street close to Hospital and all schools .

This L-Shaped Ranch w/4 Bedrooms and 2 full Baths features: Large formal living room w/ charming built in lighted bar. Formal dining room w/ slider doors to very private sundeck and custom Sunsetter awning.

Evans Mills

$177,700

Indiana River area 5 Bedroom 1 1/2 Bath Ranch -Just Listed features: gorgeous all new oak kitchen with stainless steel appliances and tiled floors. Gleaming, laminated flooring in dining room with slider doors to large private sundeck. Updated bath with granite topped vanity.

Watertown

$169,500

and type in the MLS#

Picture Perfect 3 Bedroom Colonial. Just listed-one block to Park on lovely quiet street.Traditional Colonial w/center staircase + large formal living room and dining room. Ideal sunroom pefect for TV room and office or guest room. Large oak applianced eat in kitchen w/ new cooktop.

www.nancyd.com • 417 Arsenal St, Watertown, NY 13601 “No one knows the lake country like US!”

Free Market Analysis!

Amanda J. Miller Licensed R.E. Broker

315.778.1191

$138,900

SPaCIoUS VILLaGe HoMe Come view this1700 SF 3 bed/2 bath home w/ formal dining rm, den, living rm w/ pocket doors, sunporch, mudroom, original moldings. Gorgeous huge old trees. Paved driveway and barn/garage!

MLS # S235116

“The Name You Know & Trust in Real estate”

$189,000

$1,300,000

Northern New York

SPaCIoUS 5 BedRooM HoUSe! STUNNING INTeRIoR! Beautiful renovated 2700 SF+ on 5 acres of land! This unique home offers 5 bed/2 full bath, formal dining room, lg remodeled kitchen w/ giant bar, fireplace, woodstove, wood floors.

2 bedrooms on 1st floor, full bath, office/den, laundry room. enormous attic that could be finished off! one car garage/shed.

MLS # S235262

$264,900

dexter aBSoLUTeLY CHaRMING YR CoTTaGe You must see this 4 bed/3 bath home that boasts an open layout, fireplace, wood ceilings, large deck with hot tub, dock, lots of outdoor storage, tons of mature landscaping, and breathtaking views of Guffin Bay! MLS # S235564

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L i f e and H o m e s

dexter

dexter

Three Mile Bay HISToRIC oFFeRING HaRdSCRaBBLe PoINT one of the largest and finest parcels of undeveloped lakefront to ever come across the open market! Fabulous duck hunting & boasts incredible 3300’ of pristine shoreline on 101 mostly wooded acres! old family camp sleeps 20 with no electricity. Wildlife abundant and privacy unmatched.

MLS # S235920

$219,900

Chaumont NeW CaPe Cod WITH SPaCe GaLoRe Come see this stunning Cape Cod on 1.89 acres overlooking a beautiful pond, double living room setup, built-ins, fireplace, open kitchen, full basement w/ walkout & additional 1000SF unfinished attic! a must see!

MLS # 225461

(P) 315-649-3434 (F) 315-649-3436 12396 NYS Rte. 12E, Chaumont, NY 13622 • WWW.LAKEONTARIOREALTY.COM 12

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

Your All Inclusive Home Directory Fineview

LifeandHomes.com Lisbon

$82,500

$279,000

42905 Co. Route 100

47 Sparrowhawk

3 Bedrooms / 1.0 Baths

2 Bedrooms / 1 Full Bath/2 Half Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33933

For more details visit www.LifeandHomes.com Type in Quick Search #41643

Deborah Schaefer • 315-836-3578

Carol Adler • 315-778-4457

Front Porch Realty

Century 21 Millennium Realty

LIc. R.E. Broker • debbie@thousandislandhomes.com

Lic. R.E Salesperson • gcadler@northnet.org

Home Loan Solutions • Northern FCU • 315-771-4783

Gouverneur

Home Loan Solutions • Northern FCU • 315-771-4783

Lyme

$86,700

$15,000

181 Grove Street

CO. Rt. 57

3 Bedrooms / 1.0 Baths

200 x 220 Lot

For more details visit www.LifeandHomes.com Type in Quick Search #41544

For more details visit www.LifeandHomes.com Type in Quick Search #33151

Betty Bork • 315-404-8242

James Wiley • 315-778-1360

Century 21 Millennium Realty

Bowes Realty

Licensed Associate Broker • bbork@nnymls.com

Agent • jameslwiley@tds.net

Home Loan Solutions • Northern FCU • 315-771-4783

Gouverneur

$74,500

120 Beckwith 3 Bedrooms / 1.0 Baths

Home Loan Solutions • Northern FCU • 315-771-4783

T ON R F KE LA

Lyme

$500,000

NYS Rt 12E 57 Acres

For more details visit www.LifeandHomes.com Type in Quick Search #41388

For more details visit www.LifeandHomes.com Type in Quick Search #41564

Betty Bork • 315-404-8242

April Marvin • 315-778-8042

Century 21 Millennium Realty

Lake Ontario Realty

Licensed Associate Broker • bbork@nnymls.com

Lic. R. E. Salesperson • april@lakeontariorealty.com

Home Loan Solutions • Northern FCU • 315-771-4783

Harrisville

Home Loan Solutions • Northern FCU • 315-771-4783

Morristown

$35,900

$174,000

14138 South Shoure

461 A River Road East

5.4 Acres

4 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41402

For more details visit www.LifeandHomes.com Type in Quick Search #41644

Larry Boliver • 315-346-6015

Carol Adler • 315-778-4457

Byrns Realty

Century 21 Millennium Realty

Licensed RE Agent • lyboliver@frontiernet.net

Lic. R.E Salesperson • gcadler@northnet.org

Home Loan Solutions • Northern FCU • 315-771-4783

Hermon

Home Loan Solutions • Northern FCU • 315-771-4783

Morristown

$350,000

$195,000

265 North Woods Road

26 Dockside Drive - Waterfront Condo

3 Bedrooms / 2.5 Baths

2 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41403

For more details visit www.LifeandHomes.com Type in Quick Search #41397

KeithaLee M Lauson • 315-393-0640

Debra Roberts • 315-796-2830

Byrns Realty

Coldwell Prime Properties

Lic RE Associate Broker • grealty@twcny.rr.com

Lic RE Associate Broker • debra.roberts@coldwellbankerprime.com

Home Loan Solutions • Northern FCU • 315-771-4783

Jenn's Property Management

Home Loan Solutions • Northern FCU • 315-771-4783

Attention Homeowners July

Year Round Management Services

■

I Can Handle it All, From Move In to Move Out Credit Checks, Tenant Issues, Emergencies 24 Hour Maintenance Available 10 Years Experience Dependable

315-649-2709 • jennpropmgmt@gmail.com

www.Life and Homes .com

13

L i f e and H o m e s

Contact Jenn

LifeandHomes.com

Your All Inclusive Home Directory

Norwich

$350,000 Chenango County Dairy Farm

Rutland

4 Bedrooms / 2.0 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41534

For more details visit www.LifeandHomes.com Type in Quick Search #41398

David Posson • 607-316-3758

Lisa Watson • 315-286-9682

Posson Realty

Coldwell Banker-Rimada Realty

Broker/Owner • possonrealty@frontiernet.net

Lic. R.E Salesperson • MLBJS5@hotmail.com

Home Loan Solutions • Northern FCU • 315-771-4783

Home Loan Solutions • Northern FCU • 315-771-4783

Catskill

$350,000 Greene County Gentlemans Farm

Syracuse

4 Bedrooms / 2.0 Baths

Post & Beam

For more details visit www.LifeandHomes.com Type in Quick Search #41532

For more details visit www.LifeandHomes.com Type in Quick Search #33356

David Posson • 607-316-3758

Al Roy • 315-458-4256

Custom Home Masterpieces, Inc.

Broker/Owner • possonrealty@frontiernet.net

0 • alroy@twcny.rr.com

Home Loan Solutions • Northern FCU • 315-771-4783

Norwich

$450,000 Chenango Cty Equine Facility 4 Bedrooms / 2.0 Baths

Home Loan Solutions • Northern FCU • 315-771-4783

S RE C 5A

31529 Boat Launch Road Moon Lake Frontage

David Posson • 607-316-3758

Katharine Dickson • 315-783-2104

Pamelia

Front Porch Realty

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

Home Loan Solutions • Northern FCU • 315-771-4783

$279,000

Home Loan Solutions • Northern FCU • 315-771-4783

Theresa

$43,500

25030 Co. Rte. 53

35033 Lot 923 Eddy Rd

3 Bedrooms / 2.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41518

For more details visit www.LifeandHomes.com Type in Quick Search #41022

April Marvin • 315-778-8042

Lisa Watson • 315-286-9682

Lake Ontario Realty

Lic. R. E. Salesperson • april@lakeontariorealty.com

Rensselaer Falls

Coldwell Banker-Rimada Realty Lic. R.E Salesperson • MLBJS5@hotmail.com

Home Loan Solutions • Northern FCU • 315-771-4783

$38,900

Home Loan Solutions • Northern FCU • 315-771-4783

Theresa

$48,000

311 Todd Road

306 Mill Street

3 Bedrooms / 1.0 Baths

2 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41203

For more details visit www.LifeandHomes.com Type in Quick Search #41165

Linda L Love • 315-375-4486

Deborah Schaefer • 315-836-3578

Byrns Realty

Lic RE Associate Broker • linda@byrnsrealty.com

Allen Walker

Doris Olin

Licensed R.E. Salesperson Bowes Realty

Lic. R.E. Associate Broker Coldwell Banker Rimada Realty

Allen is a native of Watertown, NY, after four years of military service in the US Coast Guard. A homeowner in Clayton and Cape Vincent for 30 years, he is very familiar with the Lake and St. Lawrence River area.

Retired from Niagara Mohawk, Allen works his real estate career full time and is always available to be of service.

A Watertown native having been born and raised here. My real estate career started upon graduation from high school first, a work field of doing Abstracts of Title, I had my own tax business for over 20 years & did accounting for several businesses in the area. Raising 4 children with my husband & now enjoying our 9 grand-children. We have been summer residents of Wellesley Island since the 60’s. We also owned our own business there. In 1985 I started selling Real Estate again & have been a top listing & selling agent with Coldwell Banker Rimada Realty since that time.

Phone: 315-771-8189 Email: bowes@twcny.rr.com

Phone: 315-783-8241 Email: dolin@gisco.net

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 .

Front Porch Realty

LIc. R.E. Broker • debbie@thousandislandhomes.com

Home Loan Solutions • Northern FCU • 315-771-4783

Northern New York

$49,000

For more details visit www.LifeandHomes.com Type in Quick Search #41383

Broker/Owner • possonrealty@frontiernet.net

■

Theresa

For more details visit www.LifeandHomes.com Type in Quick Search #41533

Posson Realty

L i f e and H o m e s

$0

Custom Built Homes

Posson Realty

14

$124,000

30139 Burnash Ave w

Home Loan Solutions • Northern FCU • 315-771-4783

We would like to thank everyone for a wonderful year in Real Estate!

If you are thinking of listing your home or want to buy please feel free to call us at 315-493-2134, we are full time Realtors and available 7 days a week.

Welcome home the 3rd BCT from Afghanistan and the Apache Unit to Fort Drum ROME RSA REALTY LLC

315 493 2134 located at 11006 State Rte 26, Carthage, NY

MLS#S232963

MLS#S229213

MLS#S233392

MILLENNIUM REALTY Gouverneur

$86,700

Newly remodeled home for sale. Wonderful layout. 3 bedrooms, 1 full bath, full basement with work area, storage sheds in backyard.

Nice sized yard. Call for your appointment today!

Gouverneur

$74,500

Beautiful Cape Cod that has many features.The kitchen has many cupboards and is eat-in.Very nice dining room, larger living room. Master bedroom on main floor.Two bedrooms upstairs. Bathroom downstairs.

Partial cellar is under garage.Very large back yard.

MLS#S235520

Alexandria Bay

A name that everyone has come to trust!

$89,000

Wow! Motivated seller, just reduced price! Now being sold way under assessed value. Wonderful village home for sale being sold as is. 3 Bedrooms, library, living room,laundry room, 2.5 baths, lots of closet space, 2 stall garage with extra rooms above.

MLS#235632

Betty Bork Associate Broker 404-8242 cell

MLS#S235643

bbork@nnymls.com

For more information on any of these homes, visit

Watertown

$93,000

Very nice 2 Unit for sale with large yard. Being sold as is. Has a horse barn in back for lots of storage. This is a nice income property, live in one and let the other pay your mortgage. Call for your appointment today!

Watertown

$93,000

Come take a look at this nice 2 Unit multi. Being sold as is. You can live in one and have the other pay for your mortgage. Nice sized yard. Call for your appointment today!

Watertown

$120,500

This is a wonderful investment opportunity.

Being sold as is. Live in one and rent the other 2 and let them pay the mortgage. Nice sized yard.

Call for your appointment today!

www.c21nny.com and type in the MLS#

www.c21nny • 1256 Arsenal Street Watertown, NY 13601

Byrns Realty

Five offices now serving the entire North Country.

New offices in Waddington and Ogdensburg!

Bradley J. Burns

Lic. Real Estate Broker/Owner

315-287-1789 Gouverneur office 315-393-0640 ogdensburg office 315-322-4524 Waddington office 315-493-7653 Carthage office 315-848-2323 star Lake office Hammond

Morristown

$118,000

exceptional neat 3 bedroom,2 bath ranch waterfront home,located on scenic Black Lake. Home features a master bedroom suite w/walk-in closets and master bath. The kitchen opens up to a screened in porch which overlooks the lake. Home has central air cond. and comes with all appliances. A new roof, bath, porch, and master bedroom added in 2007. mLs #24181

Heuvelton

$121,500

$49,500

Nice hobby farm with 19.4 acres in town of macomb. The home features 4 bedrooms, 2 baths, Dining room, large living room,kitchen, hot tub and laundry room,plus an office work area with lots of shelving.The garage is 32 X 46 which is insulated and heated , a 26 X 28 cow barn with water piped to both buildings. The acreage is all newly fenced in and a new septic system installed. mLs #23778

Nice older home with beautiful original varnished woodwork. The home features an eat in kitchen, formal diningroom, living room,downstairs bedroom. There is a beautiful varnished wood staircase which lead up to large hallway with 3 bedrooms. There is also a stained glass window in the stairwell. The attached garage makes this home complete. mLs #23795

Rensselaer Falls

Lisbon

$38,900

Hermon Potsdam Chase Mills Harrisville Brasher Falls

www.Life and Homes .com

$350,000 $179,900 $275,000 $35,900 $129,900

15

L i f e and H o m e s

265 North Woods Rd 7065 US HWY 11 252 Tiernan Ridge Rd 14138 So. Shore 797 CR 53

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MLS#23478 MLS#23804 MLS#24204 MLS#22950 MLS#24242

July

WoW! WHAT A VIeW AND 172` of WATerfroNT! Located in red mills at Loafers Lane on the point is this cottage with “T” style dock for parking your boat and those of your friends and relatives. You`ll have an incredible view from this living room as there is a huge picture window overlooking the water. mLs #23934

Affordable country home with large 2 acre lot! This three bedroom home is perfect for those looking to move to the country and not break the bank! The home was built in 1993 and has insulated windows, new siding, and a large front porch. The home is quite economical to heat according to seller and the wood stove is a nice feature to save even more on heating costs! mLs #23797

www.ByrnsRealty.com

$140,000

LifeandHomes.com Watertown

Your All Inclusive Home Directory Watertown

$304,800

20309 Ct Rt 63 w

4 Bedrooms / 2.5 Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41659

For more details visit www.LifeandHomes.com Type in Quick Search #41639

Doris L. Olin • 315-783-0241

Virginia Frattali • 315-755-2095

Coldwell Banker-Rimada Realty

RE/MAX Empire Realty

Lic. R.E Associate Broker • dolin@gisco.net

Lic. R.E Salesperson • 0@0.com

Home Loan Solutions • Northern FCU • 315-771-4783

Watertown

Home Loan Solutions • Northern FCU • 315-771-4783

Watertown

$169,900

$84,900

919 Academy Street

170 Bowers Ave.

4 Bedrooms / 2.0 Baths

4 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41399

For more details visit www.LifeandHomes.com Type in Quick Search #41542

Lisa Watson • 315-286-9682

Nancy Rome • 315-493-2134

Coldwell Banker-Rimada Realty

Rome RSA Realty L.L.C.

Lic. R.E Salesperson • MLBJS5@hotmail.com

Lic. R.E. Broker/Owner • nrome@twcny.rr.com

Home Loan Solutions • Northern FCU • 315-771-4783

Watertown

Home Loan Solutions • Northern FCU • 315-771-4783

Watertown

$136,900

$239,000

238 Seymour Street

25782 Liberty Avenue

3 Bedrooms / 1.0 Baths

3 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41540

For more details visit www.LifeandHomes.com Type in Quick Search #37494

Barbara McKeever • 315-783-2995

Melanie Curley • 315-778-2458

Hopkins Homes GMAC Real Estate

Thousand Islands Realty, LLC

Lic. R.E. Salesperson • bmckeever1@hotmail.com

Lic. R.E Broker/Owner • melc@gisco.net

Home Loan Solutions • Northern FCU • 315-771-4783

Watertown

Home Loan Solutions • Northern FCU • 315-771-4783

$184,900

851 Myrtle Avenue

Lake

3 Bedrooms / 1.5 Baths

of

Isles

Wellesley Island

$595,000

18723 Rock Baie Road 114' of Waterfront

For more details visit www.LifeandHomes.com Type in Quick Search #41640

For more details visit www.LifeandHomes.com Type in Quick Search #33461

Mark Converse • 315-783-9113

Deborah Schaefer • 315-836-3578

RE/MAX Empire Realty Lic. R.E Salesperson • markcon80@yahoo.com

Home Loan Solutions • Northern FCU • 315-771-4783

Watertown

$149,900

Front Porch Realty

LIc. R.E. Broker • debbie@thousandislandhomes.com

Home Loan Solutions • Northern FCU • 315-771-4783

Wilna

$74,900

621 Lillian Street

23711 Staie Rd

4 Bedrooms / 2.0 Baths

1 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41641

For more details visit www.LifeandHomes.com Type in Quick Search #41302

Stephanie Converse • 315-778-7317

Nancy Rome • 315-493-2134

RE/MAX Empire Realty Lic. R.E. Salesperson • sjconverse@yahoo.com

Home Loan Solutions • Northern FCU • 315-771-4783

Northern New York

$279,000

24217 NYS Rt 37

Rome RSA Realty L.L.C. Lic. R.E. Broker/Owner • nrome@twcny.rr.com

Home Loan Solutions • Northern FCU • 315-771-4783

Betty Bork

L i f e and H o m e s

■

Associate Broker

MILLENNIUM REALTY A name that everyone has come to trust!

1256 Arsenal Street Watertown, NY 13601 Cell: 315-404-8242 Email: bbork@nnymls.com

16

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 .

“Buy with confidence”

Timothy L. Biondolillo Professional Home Inspector

383 Broadway Ave. West, Watertown, NY 13601 315.783.0207 email: tbion@twcny.rr.com NYS Lic# 16000000597

FinancialPlanning

What To Do with Rollover Funds At some point, many people with retirement or employer-sponsored investment accounts will find themselves faced with the decision of what to do with rollover funds. This can happen when you change jobs and cash out a 401(k), or when you retire. In either case, it is important to think through your options. Ideally, it’s best to choose a strategy that meets your retirement needs, minimizes the impact of taxes and avoids penalties.

Gary Sunada

Please note this is a general overview, and tax laws can be tricky, so be sure to talk to an accountant and/or tax attorney before making any financial decision.

Roll It Over One possible option is to directly roll your entire distribution into a new Individual Retirement Account (IRA) or an employer-sponsored 401(k).

Either one would allow you to continue to defer taxes and allow you to continue building your retirement savings for the future.

Leave It Where It Is You may want to keep funds in your employer’s plan until you reach the plan’s retirement age, if that is an option. This may be ideal if you want to take advantage of certain investment options or managed money services available in your existing plan. Your funds will remain tax-deferred and can later be moved to a new employer’s qualified plan or an IRA. Take the Taxable Distribution Depending on your situation, you may choose to withdraw the funds from your 401(k). Although you will have immediate access to your savings, there are a few things to consider when taking a lump-sum distribution.

First, your money will no longer have the potential to grow tax-deferred and it will be subject to state and federal taxes. Additionally, if you are under age 59½, a 10% IRS penalty may apply.

This educational third-party article is being provided as a courtesy by Gary Sunada, New York Life Insurance Company. For additional information on the information or topic discussed, please contact him at 315.738.2612.

Neither New York Life, nor its agents, provides tax, legal, or accounting advice. Please consult with your professional adviser for tax, legal, or accounting advice.

Don't Rely Soley on 'Uncle Sam's' Help During Retirement

You can't watch television or read a newspaper without being reminded of the uncertain times we're in.

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Replace lost income to pay off debts, final expenses and protect the lifestyle for the people you love in the event of the unexpected.

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After a Loss: Managing a Loved One’s Affairs and Your Inheritance

Home service network

Exclusive Members That Have Shown Exceptional Customer Service

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BOwES REALTY, LLC

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Northern New York

Cape Vincent

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$230,000

James Wiley Lic. R.E. Assoc. Broker jameslwiley@tds.net (P) 315-778-1360

Cape Vincent

$219,500

346 James Street

32322 State Route 12E

4 Bedrooms / 2 Baths

2 Bedrooms / 1 Bath

This home was originally know as “Twin Gables” being built in 1860 and has been extremely well maintained.

The original woodwork has been kept in tact with its pocket doors and gable style windows. The kitchen is large with plenty of cubboard space and work area.

River breezes with a great channel view. The large living room/family room extends across the front of the residence. (24x18) The property has a paved driveway to the garage and a large rear deck (14x14) and an additional (15x22).

Cape Vincent

Cape Vincent

$725,000

$159,900

2332 Humphrey Road

352 S Real Street

4 Bedrooms / 1.5 Baths

4 Bedrooms / 2.5 Baths

This property is located on the Lakeside of Mud Bay. The residence consists of an 1860 well maintained farm style home with a 30 X 35 boat house on its 709’ of waterfront.

See: jameslwiley-waterfrontproperty.webs.com

2300 sq. ft. village home. 4 or 5 bedrooms, 2.5 baths.

Wood heat or oil fired boiler baseboard heat. Large kitchen, dining room and living room. attached two stall garage w workshop.

Cape Vincent

Cape Vincent

$182,500

$199,900

31385 County Rte #4

221 Esselstyne Street

4 Bedrooms / 2.5 Baths

3 Bedrooms / 3 Baths

Victorian style home in excellent condition. Built in 1898 and recently updated. Hardwood floors, original woodwork. Two car detached garage. New kitchen, windows, roof and septic. Municipal water.

Unique village home with living area on the 1st floor but rooms in the 10` deep basement are unfinished.

This residence is an 8 sided home with an straight-away entrance into a large living room surrounded by a dining room, kitchen, 3 bedrooms and 3 baths.

See: capevincenthome.com

Cape Vincent

Cape Vincent

$149,900

$149,500

1074 East Broadway

28341 Stony Point Road

2 Bedrooms / 1 Bath

3 Bedrooms / 1 Bath

1984 14x70 mobil home w attached porch. Guest cottage and entertainment building. Two village parcels on corner lot. Unlimited views of the Saint Lawrence.

Grand old stone home that needs a complete renovation. 76 acres total, 10 + acre wood lot, RoW to Bay. Two large open fields, and 1100’ road front.

Fisherman and hunters paradise.

Point Peninsula

Cape Vincent

$119,000

$129,500

6921 Failing Shores

2672 Ponds Shores

2 Bedrooms / 1 Bath

2 Bedrooms / 1 Baths

Two bedroom cottage at the end of a seasonal road with small harbor on Chaumont Bay, some work has been done with more fishing work to be completed. open beam ceiling, ceiling fans, laminated floors, new windows. Water taken from Lake and also from well.

Very neat, well maintained 14 X 60 mobile home in an area of well kept seasonal homes. Cement waterfront patio/deck and boat launch ramp. Pond Shores is across from Fox and Grenadier Islands. It is on a seasonal road and has a detached garage.

Point Peninsula

Lyme

$229,500

$15,000

6383 Failing Shores

CO. Rt. 57

2 Bedrooms / 1 Bath

Lot Size 200 x 220

Very nice two bedroom residence with plenty of waterfront on Chaumont Bay. The property is at the end of Failing Shores Lane. Very private area with 255’ of waterfront, a cement boat launch and a 100’ seasonal dock and a 8x12 front deck.

Nice private location for your residence. Two miles from Long Point State Park and Boat Launch. Near Point Peninsula Village with its marina. area is good for hunting and fishing.

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 .