Real Estate Guide 4.27.13

Supplement to the Original Valley Pennysaver and the DollarSaver

Produced by Lee Publications • 6113 St. Hwy. 5 • Palatine Bridge, NY 13428 • 518-673-3237 • 800-218-5586 • www.leepub.com

59 W. Main St., Canajoharie www.krutz-properties.com

RESIDENTIAL - COMMERCIAL FARMS - INVESTMENTS - ACREAGE

880: OPEN HOUSE SUNDAY, MAY 5TH 11-1 883: CANAJOHARIE: Cape Cod home w/ 4 PM 39 Nellis Street, NELLISTON: Ranch style bedrooms and 2 baths. New kitchen, hardwood home on a double lot w/ views. 3 bedrooms, modern floors, 18' above ground pool & large back deck. kitchen, 3 season room, finished family room in Almost 1,700 sq. feet. Makes for plenty of room basement & large deck. 2 stall attached garage, . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$109,900 central air & hardwood floors . . .Asking $118,000

978: ORISKANY: COLEMAN MILLS RD Oneida County is the location of this 162 acre parcel.

4 Bedroom home, large kitchen and living room. 2 garage. Outbuilding. Pole Barn with 16 x 24 heated shop. Christmas trees, woods and open fields make up the 162 acres. Part of property is along Sutliff Road and is zoned commercial . . . . . . . . .$675,000

954: Palatine Bridge: Cape Cod home located on a quiet street w/ southern views. 3 bedrooms, dining area, and eat-in kitchen. Full basement and 2 stall detached garage. . . . . . . . . Asking $98,500

953: V/O Canajoharie is this lovely home w/ unique features throughout. Beautiful DR & LR w/ wood floors. Fireplace w/ gas insert. Eat-in kitchen, 4 bedrooms & 2 full baths. 2 bedrooms on first floor. Garage, porch & yard . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Asking $95,000

592: CAROGA - Custom built house on about 4 acres. LR w/ fireplace, dining area, loft and gas stoves. Beautiful location. Not far drive to Canada Lake . . . . . . . . . . . . . . . . . . . . . .Asking $89,000

153: NEW LISTING: 2-story, 4 bedroom home sits on 1.4 acres in Ephratah. Home is charming and well maintained. Features country kitchen, sliding glass door, ceramic tile, & wood floors.

Johnstown School . . . . . . . . . . .Asking $135,000

134: CHERRY VALLEY: Lovely 2-story, 3 bedroom, 2 1/2 bath home. Eat-in kitchen, formal dining room, living room & garage. Beautiful hardwood floors throughout home. Located minutes from Cooperstown . . .Asking $219,900

237: Enjoy your morning coffee from this home's amazing porch! Grand home w/ lots of space & tastefully renovated. Great kitchen, FDR, 4 bedrooms & 2 1/2 baths. V/O Canajoharie . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Asking $149,900

594: Absolutely stunning property! Victorian style home high ceilings, open staircase, hardwood floors, formal living rooms, formal dining rooms & many nooks & crannies. This home is a duplex.

Ideal set-up for the in-laws. Heated garage w/ office. V/O Fort Plain . . . . . . . . . . . . . .$125,000

595: SHARON SPRINGS: Bright, open 1st floor of this house has tile flooring, hardwood floors & an amazing kitchen w/ granite counter tops and great room w/ fireplace. Full bath on 1st & 2nd floor. 5 bedrooms. Landscaped yard w/ gazebo.

1.1 acres . . . . . . . . . . . . . . . . . .Asking $285,000

597: Colonial home w/ private setting and view of the Cherry Valley Mountains. Circular drive leads to this custom built home. 4-5 bedrooms, 3 1/2 baths, sunken FR w/ granite fireplace, gorgeous sunroom overlooking mature landscaping & inground pool. T/O Palatine 5 acres . . . . .$225,000

879: FONDA: Great 2 family or change it back into a 1 family. Currently owner occupied. Total of 3 bedrooms. 2 stall attached garage. Front porch. Nice home! . . . . . . . . . . . . . . . . . . . .$69,900

1006: Horse Farm w/ fantastic 119 acres.

Main Barn 25x100 w/ 11 stall totally renovated. 4 additional stalls at the rear of barn. Heated office, feed room & tack room. 24x70 garage, 2 10x20 run in sheds, machine shed, garden shed & 25x50 garage. Remodeled 4 bedroom home. Canajoharie . . .Asking $475,000

907: FORDSBUSH ROAD T/O MINDEN: Large country home w/ 6 bedrooms & 2 baths. Large barn & pond.

11.5 acres. Total 2 parcels . . . . . . . . . . . . . . . . . . . . . . . . . . .Asking $199,900

753: Fort Plain. Come take a tour of this historic Victorian home; you will feel as if you have stepped into the past.

Fireplaces, grand entry, stained glass, original woodwork & more. 4 bedrooms, den, formal dining room & living room . . . . . . . . . . . . . . . . . . .Asking $139,900

131: A Spectacular Tudor w/ scenic views on 157 rolling acres & some woods (more land available). Certified organic tillable and & pond. Fine craftsmanship of the marled fireplace. Stained glass transom beamed ceilings, Cherry paneled foyer, den, beautiful staircase & French doors leading into the LR & library area. T/O Stark - 20 mins. to Cooperstown . . . . . . . . .$560,000

Page 1 • REAL ESTATE GUIDE • April 27, 2013

R E A L E S TAT E G U I D E

April 27, 2013 • REAL ESTATE GUIDE • Page 2

Financing a home improvement project After years of funny financing and few limitations on loans, banks and other lenders have tightened up their lending policies. As a result, homeowners considering a home improvement project might need to look elsewhere to secure financing.

equity, or the difference between the home's fair market value and the outstanding balance of all liens on the property. The interest on these loans is tax-deductible, which can make this financing option quite popular.

There are no certainties in the real estate markets. Though statistics suggest marked improvement in home sales over just a few months ago, many homeowners remain weary about selling their home to try to move up to something bigger and better. The National Association of Home Builders says many people are choosing to stay put in their homes and remodel or make renovations to transform the house into something more comfortable.

• Secure a home equity line of credit. A home equity line of credit, or HELOC, is another type of home equity loan. Instead of receiving a lump sum to use toward renovations like you would with a traditional home equity loan, a HELOC is sort of a credit card type scenario based on the equity in your home. You are given a line of credit, against which you can buy items. This is good for intermittent needs, when one large sum is not needed. HELOCs have a draw period, during which the borrower can use the credit, and a repayment period, during which it must be repaid. HELOCs generally have lower mortgage fees at the start and are generally subject to the same tax incentives as regular home equity loans.

While there are many worthwhile home renovation projects, the NAHB recommends projects that bring your home up to par with the neighbors'. It doesn't pay to transform your home into the most expensive on the street -- unless you plan to live there for the rest of your life. Real estate experts recommend that a remodeling investment increases the value of your house by no more than 10 to 15 percent above the median sales price in your neighborhood.

When it comes time to finance a remodel or renovation, you may not know where to start. Credit restrictions on home mortgages that have troubled many would-be buyers have also plagued individuals looking to finance home improvements. However, homeowners hoping to finance a project do have options, and not all of them require stellar credit ratings.

• Borrow against a retirement plan. Many retirement plans, such as a 401(k), allow plan members to take out a portion of the savings to put toward a home loan. This does not mean you are taking money out of the account permanently. Rather, you are borrowing against yourself, with repayment necessary in a certain timeframe. Because these loans often offer very low interest rates, and essentially the interest is being paid back to you, they might be a good option for men and women who cannot secure a traditional loan. However, if you have been laid off, there may be a shorter repayment period. Also, the interest on these loans is not tax-deductible.

• Borrow against other investments. CDs, bonds or mutual funds can provide the collateral you need and earn you a lower interest rate. Fixed-income investments are more stable options to borrow against, as their value won't have a chance to decline.

• Consider refinancing. Interest rates on mortgages are at historic lows. You may qualify to do a cash-out refinance, where you borrow against the value of your home and create an entirely new mortgage at the lower rate. Although you will start your mortgage all over from day 1 and have to pay closing fees, this type of refinancing can be more advantageous to homeowners with significant equity in their homes.

• Apply for a government-sponsored loan. The government may offer programs aimed at helping individuals who are underwater on their home loans borrow money to make necessary improvements.

While the funding cannot be used to purchase luxury items, such as a swimming pool, it can be used for necessities. Residents of the United States can explore FHA 203(k) refinance options and an FHA title 1 improvement loan.

• Discuss financing with your contractor. Some contractors may offer financing. Keep in mind that the interest rates may be high, and it may be difficult to investigate the security of these types of loans.

Many homeowners also look to credit cards to help finance some home renovation projects, but they should be used as a last resort. Credit cards typically come with high interest rates, and while they are good for some small projects, financing larger projects on a card may land you very deep in debt.

Homeowners who choose to stay in their homes and make renovations have a host of options at their disposal to finance those projects.

• Apply for a home equity loan. Many people have heard of a home equity loan, and it is usually the first choice when borrowing funds for renovations. Essentially a home equity loan is taking out a second mortgage on your home to pay for the work you want to have done, which is based on the

Microbrewery, Art Studios, Woodshop, Your Dream 100+ yr old former feed mill

Forr sale e by y owner $159,000 1122 Kossuth Ave., Utica Live where you work, currently art studios.

Recently renovated, new boiler, electric plumbing, insulation. Amazing wood interior.

2nd floor Residence; 3br, 2b 3,200 sq. ft. residence 4,000+ sq. ft. first floor, full basement, 3rd floor storage & attic, 2 loading docks & attached garages.

Contact 315-525-7299 for details

Many people use their credit cards to finance renovations, but there are better options.

(MS) -- A dream home means different things to different people. To some, an ideal home sits atop a hill and has enough rooms to accommodate generations upon generations of family members. To others, a home small in stature but with views to die for is all a homeowner needs.

• Proximity to major airports. Unless you plan on living in your vacation home year-round, you'll want the home to be somewhere that's close to major airports. This makes it easier to get to your home and flights won't be as expensive.

While preferences may vary on the home itself, there are a few things buyers of all shapes and sizes prefer when shopping for the home of their dreams.

More information on finding your dream home can be found online at www.pace2000homes.com.

• Agreeable weather. Vacation home shoppers often prefer year-round warm weather so they know their respite from the cold is never too far away. For example, a locale such as Port St. Lucie, Florida boasts an average temperature of 73.7* F, providing the ideal getaway to snowbound men and women stuck in the throes of winter.

• Affordability. A dream home stays a dream for many people because of the misconception that it is beyond their financial reach. "While a seaside villa in Italy might never be a reality, there are places where it is still affordable to own and maintain a vacation home," says Andrew Nadalin, President of Pace 2000 Inc. Compared to neighboring counties, St. Lucie County and Martin County represent the piece of South Florida that is still considered affordable. Endowed with the rich quality of life South Florida has to offer, both St. Lucie and Martin counties also offer and affordable cost-of-living vacationers will appreciate.

• Accessibility of activities. While an escape from the hustle and bustle of everyday life is great, no one wants to escape to a place with nothing to do. When shopping for a place to buy or build your dream getaway, be sure there's plenty of accessibility to popular activities like boating, fishing, diving, surfing, canoeing, or kayaking.

• Proximity to other hotspots. Even if you're looking for a place to simply unwind, a dream home's proximity to hotspots or other exotic locales never hurts. Port St. Lucie, for example, offers all a vacationer needs to relax and unwind, and it's only 90 miles from the Bahamas by boat and a short drive to Miami, Palm Beach and Orlando.

GLOVERSVILLE E - 5 BR, 1.5 baths, eat in Kitchen, LR, DR, 2-car garage on large city lot. Across from Nathan Litauer Hospital. Close to shopping and Churches.

Listing JS2097 ........................................................................Askingg $82,500

Town n off Glen n - Camp or seasonal home in great location with views of the Adirondack Mountains and the Mohawk Valley. Newer log home features lofted BR, propane fired stove, HW Heater and Lights. All the comforts of home yet quiet and private location. With a few changes this could be a year round home ..................................................................................................Onlyy $69,900

n off Perth h - 3 BR, 2 bath, open concept LR, DR, and kitchen, dbl. wide Town home on 1.4 acres with above ground pool. Listing JS2098 Askingg $124,500

Greatt Location n and d Neighborrhood d - 51 Waddell Ave., Ft. Plain - Cozy 3 BR home in great neighborhood......................................................Onlyy $89,500

1088 8 Lakeview w Ave.,, Schenectadyy - Move-in condition. Great 3 BR home in quiet neighborhood. LR w/wood fireplace, formal DR, HW flooring, kitchen with all new appliances and walk-in pantry, backyard has a large deck and garage.

Listing JS2099 ......................................................................Askingg $105,000

6 ACRE E COUNTY Y HOME E NEAR R THE E VILLAGE!! 168 River Rd., Ft. Plain........ .......................................................................................... Askingg $149,900

“Your Upstate New York Realtor” 29 Church Street Canajoharie, NY 13317 Spaciouss COUNTRY Y HOME E w/ 2 ACRES! Very Energy Efficient means Low Heating Cost. 1100 Carlisle Rd., Canajoharie ......................Askingg $159,900

R homee w/ spacious Kitchen, East Main St., Fonda......................

Updated 3 BR ..................................................................................................Onlyy $59,900

Page 3 • REAL ESTATE GUIDE • April 27, 2013

Things to look for when shopping for your dream home

April 27, 2013 • REAL ESTATE GUIDE • Page 4

Learn the basics of home warranties Buying a home is arguably one of the largest purchases a person will make. It can also be one of the most stressful. Individuals take quite a financial leap when buying a home. Even after careful consideration of funds and budgeting, it's easy to become overextended. A home warranty can take some of the bite out of unexpected expenses.

• Home warranties are only as good as the company backing them.

Careful investigation into the trustworthiness of the warranty company and its track record should be completed.

Although home buyers are urged to hire an inspector and check a property and structure from top to bottom before signing on the dotted line, a home inspector cannot foresee everything that may crop up after a person moves into a home.

• Keep in mind that the warranty company reserves the right to determine if a repair or replacement is adequate in a claim situation.

"When my home inspector reviewed the property he found only minor things that needed attention," says Jeannine in New Jersey.

"After I moved in, we shortly learned that the crawl space had flooding issues that would require a lot of money to fix properly."

Home warranties can be a smart investment that take some of the financial pressure off of new homeowners. They can also be negotiated into the sale terms of the home so that the seller is responsible for providing the warranty to the new buyer.

Home warranties do not negate the need for homeowner's insurance, but they can add protection against large monetary payouts to repair many items around the house. Policies may differ as to specific coverage, but most home warranties will cover major systems of the home, such as heating/cooling, plumbing, electrical, as well as certain appliances.

To decide if a warranty is the right investment, home buyers should consider the following:

• Read the fine print of the warranty. Learn what exclusions exist, which may not make the warranty practical.

• In general, warranty companies work with their own set of contractors. This means a homeowner may not be able to hire his or her own preferred contractors to do work.

• There may be a deductible or a fee charged prior to having a technician assess a repair situation.

• The warranty company may require inspection of the house to be sure items are in good working order before offering a plan.

• If a warranty is offered through a home seller, there may be no negotiation on the coverage or company used.

Home buyers should keep in mind that there are many unforseen expenses that can arise when purchasing a new home. Having some additional protection, such as a home warranty, could mean saving money on out-of-pocket repairs.

A home warranty can help protect a buyer’s new investment and offer peace of mind.

48 Church Street, Canajoharie, NY 13317 518-673-3677 • richardeulerrealty.com

Minden 3BR, 4 AC $179,000

ST HWY 80 Open House Sat. 4/27 @ 2PM

Canajoharie 4BR, Pool $229,000

Palatine Captivating 3BR $195,000

Fultonville 4BR $79,900

Oppenheim 5BR, 8 AC $205,000

Canajoharie 3BR, 24 AC $169,900

Palatine 2BR, Fireplace $119,900

Stately Cobleskill Victorian $224,999

Canajoharie 4BR, Craftsman $105,000

Sprakers 3BR, Fireplace $199,900

Palatine 4BR, 2 Bath $85,000

sign out front, you might just be putting it up in a lush lawn no buyer can resist.

Though the housing market might not be booming, there are still buyers out there looking for a place to call their own. Some potential sellers might prefer a patient approach to selling their homes, choosing to do so when the market rebounds and homes regain some of their lost value. Other sellers might not have a choice and must make due with selling in a lackluster market.

Regardless of which category you're in, there are easy ways to boost your home's value. Making minor changes to a home can add to your asking price, whether you're putting your home on the market this week or waiting for the market to rebound. The following tasks might not take much effort, but they pay dividends.

• Work on the yard. An appealing lawn is still a great way to catch a prospective buyer's eye. When a home boasts a lush lawn and well-manicured trees, it's hard to ignore that For Sale sign out front. If landscaping has proven an Achilles' heel in the past, make an effort to take better care of your property in the months ahead. It doesn't take long for even the most neglected lawn to rebound from disrepair. By the time you feel confident to put that for sale

• Upgrade appliances. Prospective buyers won't be thrilled if they walk into a home and see outdated appliances. Some might even feel older appliances indicate a homeowner who cared little about appearances and might begin to wonder if there are any additional areas that might have been neglected around the house. Stainless steel appliances in the kitchen and even new fixtures in the bathroom are aesthetically appealing and tend to excite buyers.

Homeowners who aren't immediately putting their property up for sale can gradually upgrade their appliances to lessen some of the financial toll such purchases take.

• Replace the carpet. A clean carpet might make a world of difference to a home's inhabitants, but a new carpet will be more appealing to prospective buyers. Choose a neutral-toned carpet that will boast a more universal appeal.

attractive to prospective buyers. If your home hasn't had a new coat of paint in awhile that might make buyers feel the home is musty or old. Many buyers judge a book by its cover, and sellers want their home's exterior to be as attractive as possible.

Homeowners can also paint rooms inside the home to give it a fresh and welcoming feel.

• Clean up around the house. A cluttered house will almost certainly repel buyers. Buyers want a home that's roomy and well kept, but clutter creates the opposite impression. Organize the closets to make them appear more roomy and clean up any areas that have become cluttered -- consider temporarily renting a storage unit to house excess stuff from closets. Basements or utility closets might be handy for storage, but they should be open and clean before hosting an open house. The less clutter a home has, the more spacious it will appear and the more money sellers can likely demand for the home.

• Paint the home. A fresh coat of paint or new siding is always

www.judithannrealty.com judy@judithannrealty.com CELL: 518-424-5621

Ed Pierpont

104 Reed Street Canajoharie, NY 13317

Judith A. Phetteplace Licensed Real Estate Broker 316 MOHAWK DR. TRIBES HILL, NY 12177

NY Lic. #16000022349 NACHI #05122792

Gott U Covered

HOME: (518) 829-7813 OFFICE: (518) 829-7250 FAX: (518) 829-5119

• HOME E INSPECTIONS S•

(518) 332-6294 Fax (518) 673-3667 epierpont@ny.nachi.org

GotUCoveredHomeInspections.com

MOHAWK Towne & Country Realty Sue Leavitt, Licensed Real Estate Broker Corner Rte. 5 & McKinley Rd., Palatine Bridge, New York • 518-673-5482

2 Acre Picturesque Ranch Big,, Roomy Reduced d to o $164,500 Glass enclosed Sunroom, 3 Bedroom mfg. home, 2 full Baths, Large Family?

Canjo o 4 Bedroom Palatinee Farmhouse Has hardwood floors, Wood Stove, Ft. Plain 4 bedroom Raised Ranch; Living, Dining, & Family rooms, 4 Bedroom; Granite Gas Fireplace, wide Eat-in Kitchen, Pantry, 1 1/2 Baths, Large Kitchen, C/A, 2 1/2 Baths, hardwood floors, plank floors; updated, new windows, Family Room, & 2 Story Garage w/area Sunlit Rooms, Kitchen- Breakfastgenerator B/U, new roof, lots of storage areas, a Barn for game room, Hey, it doesn't get handicapped ramp. Low taxes.

Family combo room with Fireplace; & various Fruit Trees. much better, except to hear $110,500.

Rec Room, 2 car Garage.

It's only $110,000.

"Your Offer" on $69,900.

A Homee with ha View.... OFFERS? Nelliston 3 Bedroom located up the hill away from the main stream of hub-bub. Eat-in Kitchen with all the toys, Living & Dining rooms, attached 2-car garage. & a POOL! $109,000.

Ft.. Plain n Ranch Country views on oversized lot end of the Hill; 3 Bedrooms, Living Room with Fireplace; Dining, Kitchen, Full Bath, Office; Radiant Heat, Oak Pegged Floors; attached Garage Onlyy $94,500.

A Whitee Pinee Kitchen n& Fireplace

Ft.. Plain Capee Stylee Ranch Charming. 3 Bedrooms, Country Pine Kitchen & Bath, Living room has gas Fireplace, new carpeting; C/A, basement workshop, LARGE lot; attached Garage.

Onlyy $89,900.

New "Spring"" Listing

Make this Canajoharie home one of the 4 Bedroom Ft. Plain Ranch on large Nelliston n Brick k Colonial corner lot, complete w/ fireplace, cutest on the block! 3 Bedrooms, Original detailing, high ceilings, 90" hardwood floors, Open Kitchen, beautiful woodwork, windows, 5 Bedrooms, Eat-in Kitchen, step-down Dining, NEW Bedroom & Sunroom w/Views of the Mohawk River. "nooks & crannies", new Bath, Bath, lots of storage, attached hardwood floors, fenced yard, and Colorful plantings on deep yard plus Garage. $79,500.

Garage. $96,500.

Garage. $129,900.

Amanda Haig, Sales Assoc. . . . . . . . . . . . .518-673-3235 Pete Manikas, Sales Assoc. . . . . . . . . . . . .518-673-5482 Joann Christman, Assoc. Broker . . . . . . . . . .518-256-4911

Connie Dingman, Sales Assoc. . . . . . . . . . . .518-673-2026 Nancy Dornburgh, Assoc. Broker . . . . . . . . . .518-993-2335 Joan Galusha, Assoc. Broker . . . . . . . . . . . . .518-332-9707

Visit Us: www.mohawk-realty.com

Page 5 • REAL ESTATE GUIDE • April 27, 2013

Easy ways to boost home value

April 27, 2013 • REAL ESTATE GUIDE • Page 6

Factors that might hurt a home's value Nowadays, homeowners looking to sell their homes know it's not as easy to do so as it might have been a few years ago. A struggling economy has made it difficult for many homeowners to sell their homes for a price they're comfortable with.

might find those foreclosed properties are hurting their own home's value. Lots of foreclosures could negatively affect a neighborhood's reputation, which might make a home within that neighborhood less attractive to prospective buyers.

But the sagging economy is not the only thing can make it difficult to sell a home. In fact, a host of other things, some obvious but some not so obvious, can hurt a home's value as well.

• Appearance: A home's appearance is another obvious variable that might affect its resale value. Homeowners might want their home to reflect their own individuality, but that's not going to help when the time comes to sell the home. If the exterior paint is out of the ordinary, then it might be wise to choose a more traditional or conservative color before erecting the "For Sale" sign out front. The same goes for a home's interior. If the interior design is especially unique, a more traditional interior decor might help the home sell faster.

• Location: A home's location is arguably its best or worst selling point. A home in a great location won't be as difficult to sell as a home in a bad neighborhood. But location goes beyond a neighborhood's reputation, especially in recent years. Homeowners who live in a neighborhood or development with many foreclosures

• Size and style: Another thing to consider when selling a home is its size and style. A home that stands out on the block might be an attention-grabber, but that's not always attractive to prospective buyers. For instance, a colonial sitting in the middle of a street filled with contemporary homes will stand out, but likely for all the wrong reasons. It will likely appear dated and out of place, which is something buyers might not want. In addition, if the home is considerably larger or smaller than the surrounding homes, then this could hurt its value.

• Non-conformity: In many ways, conformity is not considered an admirable trait. But when selling a home, conformity could make the difference between a home selling quickly or remaining on the market for months if not years. When shopping for a home, buyers often shop in certain neighborhoods and towns and might see many different homes within a given ZIP code. Homeowners with homes that don't conform to others in the area might find it difficult to sell their homes. For instance, homeowners trying to sell a two bedroom home in a neighborhood filled with three bedroom homes might notice their home's value is not as high as that of surrounding homes, regardless of the neighborhood or how similar the home's exterior is to surrounding homes.

• Age: Older homes might have character and a sense of nostalgia, but appraisers take age into consideration when determining a home's value. And buyers tend to lean toward newer homes for a number of reasons, not the least of which is the feeling that newer homes have far more modern amenities than older homes.

When it comes to a home's value, there are a host of things that could ultimately increase or decrease that value in the eyes of prospective buyers.

Kathleen M. Mussi Licensed Real Estate Broker/Owner

A&M PROSPECT PROPERTIES LTD. FULL SE RVICE R EAL E STAT E

217 N. Main Street • Gloversville, NY 12078

Tel 518-773-8457 Fax 518-773-9734 Cell 631-875-8646 We Also Specialize in Property Management

Local Guide to the Adirondacks

Energy Expertise Experience 518-725-ADKS (2357)

www.ADKSrealty.com MaryEllen Charles, NYS Licensed RE Broker/Owner 101 Washington Square, Caroga Lake, NY 12032

Selling a home isn't always so easy.

Claudia Crawford Licensed Associate Broker

Lana Ruggiero

Serving Montgomery, Fulton & Saratoga Counties

Licensed Real Estate Broker

4720 State Highway 30 Amsterdam, NY 12010 Cell 518-866-1317 Office 518-843-4343 Fax 518-843-4321 Crawford.Claudia34@gmail.com www.MVRELLC.com

11 Forest St. P.O. Box 1285

Carol G. Paciolla

Office: 518-843-1885, ext. 234

Licensed Associate Real Estate Broker Fax: 518-843-2459

Cell: 518-332-3279 E-mail: carolpaciolla@hotmail.com Specializing In Residential Sales and First Time Home Buyers.

160 Market Street Amsterdam, NY 12010

Res: 518-829-5163 Cell: 518-424-9752 www.judithannrealty.com E-mail: joelle@judithannrealty.com

Joelle L. Phetteplace-Bluvas Associate Broker 316 MOHAWK DR. TRIBES HILL, NY 12177

OFFICE: (518) 829-7250 FAX: (518) 829-5119

Gloversville, NY 12078

Cell (518) 470-4738 • Fax 518-773-3805

mruggier@nycap.rr.com www.ruggierorealtyllc.com Julie Sonner Licensed Real Estate Salesperson

Cell: 518.605.0883 Office: 518.370.3170 ext. 406 Fax: 518.370.5797 Email: JSonner@RealtyUSA.com 480 Balltown Road, Schenectady, NY 12304

June 1, 2013 Issue Deadline Wednesday, May 29, 2013

SERVING HOMES IN THE FOLLOWING COUNTIES: c Albany c Fulton c Herkimer c Montgomery c Oneida c Otsego c Saratoga c Schenectady c Schoharie

For More Information Call John Snyder 518-673-0129 Distributed in Albany, Fulton, Herkimer, Montgomery, Oneida, Saratoga, Schenectady and Schoharie Counties

Page 7 • REAL ESTATE GUIDE • April 27, 2013

RE A L ES TAT E GU I D E

April 27, 2013 • REAL ESTATE GUIDE • Page 8