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A. Christina Breen-Hale, Agent 3093 West Ridge Road, Rochester, NY 14626

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Do You Really Need Title Insurance? Denninger Report - pg 2

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Property Source • v21.1 • January 4 - 18, 2017

The Denninger Report

By GINI DENNINGER Broker/Owner, Goodman Realty

Do you really need Title Insurance? What to know before you say “no”

You have a new home. One day you come home to find a legal notice that someone is claiming rights to your property. Your property had a proper title search and was sold free and clear of all encumbrances… How can this happen?! Extremely upset (understatement of the year!), you pick up your phone calling the attorney that handled your closing. His first reaction will be “I am glad I encouraged you to buy the Fee Title Insurance Policy!” What are we talking about? Welcome to the world of title insurance. Poorly understood, even seasoned Realtors are willing to admit they are shaky on what title insurance does and why you as a buyer might need it. This form of insurance is not well understood except by those that deal directly with it; that being attorneys, title examiners and others that deal with the behind-the-scenes workings on getting a property to close. This is a topic Realtors will refer (with relish) to attorneys, when asked about it. What is title insurance exactly? Title insurance is insurance that protects the owner and the mortgage holder (if there is one) against defects in title to that property. There are generally two types of policies which buyers should know; owner’s (fee - a legal term dating back to medieval times) and lender’s (mortgagee - aka the bank) title insurance. Lenders require a title insurance policy be purchased at the time of closing to protect their interest in the property, covering only the outstanding loan amount. Many home buyers mistakenly assume this insurance protects them too, when it actually does not! If a claim on the property is made and won, the bank is paid through their policy, but the buyer loses all equity and monies already invested into the property. During the home buying process, it is mandated by law that the buyer be offered the opportunity to buy an owner’s (fee) title insurance policy only if they are obligated to buy the mortgage title insurance. Buyers in this position are supposed to be made aware what these insurances are and what they cover

A Christina Breen-Hale, Agent 3093 West Ridge Road Rochester, NY 14626 Bus: 585-225-8480 Fax: 585-225-6315 achristina@breen-hale.com

during the buying process and at least once will be expected to sign a document attesting to the fact they were informed. Additionally if a buyer buys both the fee and mortgagee insurance at the same time, they will get a discount on the mortgagee insurance! Not all attorneys recommend that buyers purchase Fee Policies and as a result they only quickly cover the details as required by law, leading the buyer to think it is not necessary to buy a policy to protect themselves. In fact, when I was a fledgling real estate sales person, I remember this topic being covered in a class. We were told that in most cases, this is an unnecessary fee for the buyer. But, as I matured into the profession, I see now that I would never buy a property without this insurance because of the low cost and high potential value. Title insurance is unique in that it protects against past events, not future events like your home owners insurance policy does. For example, you take out homeowners insurance to cover possibilities such as (future) fire destroying your home and with it, your investment. Title insurance covers what may have already happened, but that you and others involved with your closing may not be aware of. There is a large gamut of possibilities that could affect your ownership in the property you bought. There may have been a failure to notify all creditors in a prior foreclosure action, gaps in chain of title, forged deeds, wills that were not probated, mortgages that were not discharged and many other legalities which can and do fill legal books! ® James A. Marino, Esq., a Rochester real es-

tate attorney, also noted “in this day and age of identity theft and internet fraud, the claim being made on the property may not even be valid, but a title insurance policy will cover the attorney fees and legal costs of defending such claims.” Further, he stated that “In a large number of cases, it’s the attorney fees and costs that are financially and emotionally destructive rather than the claim itself.” Consider the following example of how valuable title insurance can be. Let’s say an uncle gives a quit-claim deed to his home to a nephew, and the deed is never recorded. Subsequently, the uncle dies without a will and the nephew is not aware of his death. Probate is initiated and the property is disbursed to the presumed hairs. The home is given to the heirs since there was no knowledge of the deed to the nephew. The heirs sell the home and eventually the nephew finds out. He actually has claim to the property that will need to be settled in court. Now is when title insurance comes into play. Let’s say the buyer bought the property with a mortgage and the mortgage company required title insurance, so a mortgagee policy was bought. (Here is where home buyers normally come into trouble.) The buyers did not know or understand that the mortgagee policy covers only the mortgage holder’s losses. Like most buyers, they assume that this policy protects them, but it does NOT. Fortunately the buyers in this story have an attorney that highly recommends they purchase what is known as a Fee Title Insurance Policy. Besides recommending the Fee Title Insurance Policy, the attorney also makes the buyers aware that there is a Fair Market Value Rider available. This is purchased at the same time as the “Fee Title Insurance Policy” and covers home value increases over time. (If you do buy the “Fee Title Insurance Policy” I highly recommend you include a Fair Market Value Rider.) While Fee Title Insurance is mandated by some attorneys, especially when 10% or more is put down on the property, not all attorneys mandate this additional rider. Luckily the buyers in this story buy the additional rider.

“Many home buyers mistakenly assume this insurance protects them too, when it actually does not!”

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Perhaps you currently don’t have the Fee Title Insurance Policy or Fair Market Value Rider. It’s not too late. You can get these insurances as long as you are not currently experiencing a challenge to your ownership of title to a property. If you are unsure, contact your attorney and ask them to review your documents. If you find you are not covered, ask if they will sell it to you through their vendor or give you a recommendation on who to contact to set it up. Lastly, you can look online for title insurance companies, there are quite a few ready to work on your behalf. Be aware you have the right to buy your own title insurance prior to closing, and do not have to procure it through the closing attorney. You might be surprised in the difference in price if you do comparative shopping. Remember, to be fore-warned is to be protected, as long as you take action!

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So, having lived in this home for ten years, they are stunned to learn that the nephew had a legitimate claim on the property. A court battle ensues, costing thousands in attorney fees, but the buyers are covered due to having bought both forms of title insurance. Unfortunately for them, the court decides that indeed, the nephew did own the home and that it was improperly sold. The nephew, suddenly having a nostalgic bent towards his uncle, decides he absolutely MUST live in the home and the buyers now must leave. The buyers mortgage company is paid the moneys they were insured for. And because the buyers bought the Fee Title Insurance Policy, they are also covered and paid the money they put down on the property. Since they bought the Fair Market Value Rider too, they are also covered for their equity in the property. Had they not bought the Fee Title Insurance Policy, they would have lost their down payment and closing costs. Having bought the Fair Market Value Rider, the buyers capitalize on the large increase in value over the ten years they lived in the property. Keep in mind that Fair Market Value Riders only cover increases in value due to market increases (inflation), and not improvements to the property, so the cost of any improvements can not be recouped. Overall, the buyers financial damage is kept to a minimum and they are able to recoup quickly.

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Property Source • v21.1 • January 4 - 18, 2017

Home Improvement

Indoor Air Pollution control, ventilate, clean

According to the Asthma and Allergy Foundation of America, about one in every five adults and children suffer from allergies, including allergic asthma. Many health groups have recommended three simple strategies for effectively reducing indoor air pollution.

your energy bills isn’t necessarily better for indoor air quality. Opening windows may help circulate air in the home, but remember to close them during high allergy seasons, where pollen could enter your home.

3. Clean the indoor air. An indoor air cleaner may significantly reduce the level of pollutants in a home. Before purchasing an air cleaner, know the square footage of the room you want to treat. You’ll want to select an air

1. Control the source of the pollution. Remember to clean regularly, including changing sheets and vacuuming once or more per week. Wipe down all surfaces with an appropriate cleaning solution and discard clutter as often as possible. Consider replacing old shower curtains, floor mats and anything on which mold is likely to appear. Control dust mites by replace old carpeting in favor of bare floors with washable throw rugs and keeping pillows, mattresses and box springs in zippered allergen impermeable or plastic covers. 2. Adequately ventilate your home. Today’s homes are built more energy efficient to hold air inside avoiding heat loss in the winter and heat gain in the summer. Of course, what’s better for

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cleaner that’s large enough for the room you’re treating. Also, consider air filtering efficiency. You’ll want an air cleaner that’s proven to deliver filtered air. Lastly, check for Look for the CADR seal on the product packaging. The seal shows how well an air cleaner reduces pollutants such as tobacco smoke, pollen and dust and also lists the unit’s recommended room size. From air cleaner to air cleaner, compare the CADR numbers. First look at suggested room size. Then refer to the dust, tobacco smoke and pollen CADR numbers. The higher the numbers, the faster the unit filters the air. If from one unit to the other ratings are the same, their air filtering performance is similar. You can then weigh the importance of product features to find an air cleaner that fits your needs.

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To help put things in perspective, here in late winter and spring, this is a sure sign are what we consider to be the top five of a nest inside as well. The winged stage signs of a carpenter ant problem that emerges close to the nest site. needs fixing: 3) Accumulation of sawdust. If you find this below a window, at the 1) Ants in cold weather. This is a sure sign of a nest somewhere in basement sill, near water problems, the heated space of the house. They are carpenter ants likely left it. not active outside in cold weather. 4) Scratching noises in the wall. This often occurs in May and June, and is 2) Winged carpenter ants inside. If more that five or six are found, especially a mass of ants at work nearby!

Property Source • v21.1 • January 4 - 18, 2017

Carpenter Ants

5) Ants in the spring. This is the common experience and may be nothing more than foraging ants from outdoors. But it may be more. Even foragers are looking for a new home! Carpenter ants are most active at night, and their nest is hidden. One of these signs may be all you get as a tip off to a larger problem.

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Rochester $44,500

Colonial Sq Ft: 1853 – BD: 3 – BA Full: 1 – BA Half: 1 Schools:Rochester Text PC95217TO:VIDEOS

Cape Cod Sq Ft: 1072 – BD: 3 – BA Full: 1 – BA Half: 0 Schools:Greece TEXT:PC00457 TO:VIDEOS

Ranch Sq Ft: 528 – BD: 1 – BA Full: 1 – BA Half: 0 Schools:Rochester TEXT:PC89577 TO:VIDEOS

c 748-6771

23 Olde Prestwick Way OPEN SUNDAY 1/8 FROM 2-4PM

c 748-6771

Catherine Bianchi Lic Assoc. R.E. Broker

R1017207 Your LUCKY Day! Now showing 539 Eastbrooke!

Catherine Bianchi Lic Assoc. R.E. Broker

R1010198

c 748-6771

Brighton $104,900

Chili $114,900

Ranch Sq Ft: 4000 – BD: 3 – BA Full: 2 – BA Half: 2 Schools:Fairport Text PC44458 to VIDEOS

Condos Sq Ft: 953 – BD: 2 – BA Full: 1 – BA Half: 0 Schools:Brighton Text PC03047TO: VIDEOS

Cape Cod Sq Ft: 1465 – BD: 4 – BA Full: 1 – BA Half: 0 Schools:Gates-Chili Text PC88897TO: VIDEOS

Lic Assoc. R.E. Broker

o 248-1064

c 703-9993

Eileen Goldman Lic R.E. Salesperson

THINKING OF BUYING?

Kevin Fitzpatrick Lic R.E. Salesperson

R318580

PRICE REDUCED

Pittsford $289,900

Desirable East Ave Manor Close to Pittsford Vlg, 2620sf,4BR,2.5BA. Loaded w/Upgrades, 3.5c Gar, Circ Drive, Parklike Bkyd w/Pool, Pittsford Schls, 3FP’s,Refin & New Hrdwds+MORE! TEXT:PC62447 TO:VIDEOS Colonial Brian McDonnell Lic R.E. Salesperson

AFTER

SUCCESS FORMULA FOR UPDATING TO SELL, MY TEAM OF CONTRACTORS WILL MAKE YOUR

c 750-8182

GRAR Sales Master Platinum Nothnagle Platinum Award

Looking to buy? You can now s text to receive a video tour o Nothnagle home on your smart while you’re standing right in fro

when buying or selling your home:

1. Call Ro Naomi (She’ll take care of the other 9!) Serving Monroe and Wayne Counties

www.ronaomihomes.com rnaomi@nothnagle.com facebook.com/ronaomihomes

RECEIVE A PERSONALIZED PLAN WITHIN YOUR BUDGET

C: 585.503.9032 O: 585.389.4088 sververs@nothnagle.com

Introducing:

TOP 10 THINGS TO DO

Call today to

Licensed Associate RE Broker

Look for our new Text To Video signs popping up everywhere!

BEFORE

HOME AND WALLET SPARKLE!

Susan Ververs

c 748-6771

Text-To-Vi

OR if you are Selling

BY USING OUR PROVEN

Lic Assoc. R.E. Broker

o 582-8414

AT NOTHNAGLE REALTORS, WE HAVE A NETWORK OF RESOURCES TO HELP YOU FIND YOUR DREAM HOME

YOUR HOME BEFORE YOU GO!

Catherine Bianchi

28 Lynda Ln, Motivated Seller and Great Value OPEN SUNDAY 1/8 FROM 1-3PM

Perinton $394,900

Marcia Glenn

Enter the MLS# at PropertySourceOnline.com

Lic R.E. Salesperson

Cape Cod Sq Ft: 1834 – BD: 3 – BA Full: 2 – BA Half: 0 Schools:West Irondequoit TEXT:PC00867TO:VIDEOS

Lic Assoc. R.E. Broker

c 303-8550

John Magere

Irondequoit $129,900

Catherine Bianchi

R1012478

R1012156 119 Collingwood Dr, Beautiful Classic Colonial OPEN SUNDAY 1/8 FROM 2:30-4:00PM

R1005820 34 Cedar Ln, Enjoy one floor Comfortable living! OPEN SUNDAY 1/8 FROM 1-3PM

Make the Right Move!

C: 585.748.0174

Multi-Million Dollar Producer • Lic. Assoc. RE Broker • 425 Titus Ave • Roch, NY 14617

Whether you’re using a tablet or smartphone, our responsive web design will adjust to optimal viewing and navigation in order to give you the best possible experience when searching for your new home. It’s mobile friendly with all of the functionality of our desktop version.

CALL A NOTHNAGLE AGENT TODAY OR 899-MOVE.

Try it today! www.Nothnagle.com

Ogden $124,900

Lic Assoc. R.E. Broker

o 352-8532

201 Genesee St R1010708 OPEN SUNDAY 1/15 FROM 11:30-1:30PM

c 278-7354

o 352-8532

Daniel Covert Lic Assoc. R.E. Broker

274 William Street R1010820 OPEN SUNDAY 1/15 FROM 2-4PM

Beautiful Old Style 3BR, 1.5 BA Home: Country style kit, heated Florida rm, 1st flr master; tile throughout. Fairly new wrap around porch, 2c gar! Roof - ‘06, Boiler & H2O - ‘14.TEXT:PC89137 TO:VIDEOS 2 Story

Lic R.E. Salesperson

Perinton $159,900

Greece $84,900

Condos Sq Ft: 1215 – BD: 2 – BA Full: 1 – BA Half: 1 Schools:Fairport Text PC27117 to VIDEOS

Ranch Sq Ft: 1146 – BD: 2 – BA Full: 1 – BA Half: 0 Schools:Greece Text PC2314&TO:VIDEOS

c 721-7076

Nina Malatesta Lic R.E. Salesperson

R1017220

R1017690 218 English Rd, Why Rent When You Can Own!? OPEN SUNDAY 1/8 FROM 2:30-4:00PM

69 Hickory Manor Dr OPEN SUNDAY 1/8 FROM 1-3PM

c 721-7076

Nina Malatesta Lic R.E. Salesperson

R1017877

180 Evelyn St., Expect to be Impressed! OPEN SUNDAY 1/8 FROM 1-3PM

Geneva $94,900

Gates $124,900

Gates $98,900

Colonial Sq Ft: 1368 – BD: 3 – BA Full: 1 – BA Half: 0 Schools:Geneva

Ranch Sq Ft: 1100 – BD: 3 – BA Full: 1 – BA Half: 1 Schools:Spencerport Text PC03107TO:VIDEOS

Ranch Sq Ft: 1314 – BD: 3 – BA Full: 1 – BA Half: 0 Schools:Gates-Chili Text PC03527TO: VIDEOS

c 278-7354

Julia Monoski Lic R.E. Salesperson

Can You Say Moolah?

R311681

r o s p !

51 Eaglesfield/Townhouse Living OPEN SUNDAY 1/8 FROM 1-3PM

Fml DR, Living And FR’s Newer Carpet Thru-Out, Nice Backyard, New Furn’13, 1c Att Gar. Annual HOA Allows Access To Walking Paths, Tennis & Basketball Courts. TEXT:PC16057 TO:VIDEOS Split Level

Geneva $109,900

Julia Monoski

R1015973

Henrietta $114,900

Over 1700sf on beautiful 1/2 acre country lot! NEW: Hi Eff furnace, Septic, Driveway, Carpet thru-out!! Freshly painted, Lg BRs, eat-in kit, Nice encl porch, Oversized 2.5c gar.TEXT:PC15337 TO:VIDEOS Split Level Daniel Covert

Nice 3BR Split - Quiet Dead-End Street

R1007612

Pamela Dickson Lic. Assoc. R.E. Broker

c 309-2765

Pamela Dickson Lic. Assoc. R.E. Broker

Rochester $45,000

Formal dining room, living room and large kitchen. 1 car garage. TEXT:PC96707 to VIDEOS Colonial Sq Ft: 1561 – BD: 3 – BA Full: 1 – BA Half: 1 Schools:

Split Level Sq Ft: 2159 – BD: 4 – BA Full: 2 – BA Half: 0 Schools:Spencerport Text PC04257TO:VIDEOS Michael Brown Lic Assoc. R.E. Broker

c 309-2765

c 737-9470 Nice 3BR, 1.5BA Colonial

R1013865

Gates $139,000

CASH COW OFFERS OPPORTUNITY & FLEXIBILITY - RENTS FOR THE ENTIRE PLAZA OVER $4,000. ASKER SUPERMARKET IS ON A 5 YR LEASE GOOD THROUGH APRIL 30, 2020 WITH RENEWAL OPTION. TEXT:PC55557 TO:VIDEOS

Lic Assoc. R.E. Broker

Very nice split level home.

R1018928

Rochester $260,000

Michael Brown

c 737-9470

Property Source • v21.1 • January 4 - 18, 2017

Bigger than it Looks!!

R1009888

Michael Brown Lic Assoc. R.E. Broker

c 309-2765

3 Bedroom Split For Rent!

R1019035

ideo

send a of a tphone ont of it!

FOR MORE INFORMATION, CALL A NOTHNAGLE AGENT TODAY OR 899-MOVE.

www.nothnagle.com

Greece $1,600/mo

Split Level, 1.5 baths. Nice kitchen, living room, formal dining room and family room. 1 car garage. TEXT: PC04347 TO:VIDEOS

Michael Brown Lic Assoc. R.E. Broker

c 309-2765

Robert Kraft Lic RE Salesperson

o: 585.389.4085 c: 585.749.1139

33 South Main St Pittsford, NY 14534

Enter the MLS# at PropertySourceOnline.com

make 2016 a great year. May you and yours enjoy a happy and healty new year!

CALL A NOTHNAGLE AGENT TODAY OR 899-MOVE.

Property Source • v21.1 • January 4 - 18, 2017

Try it today! www.Nothnagle.com

Here’s Looking Forward to a Spectacular 2017 from

Lic. Real Estate Salesperson

2055 Empire Blvd Webster, NY 14580

David C. Malta

R319038

GREECE - $224,900

OGDEN - $153,900

R1003787

SPENCERPORT - $149,900

(O) 352-8529 (C) 734-3362

585-217-1914 o: 585-347-1820

TEXT: PC14787 TO: VIDEOS

mary@nothnagle.com R316915

I ND

85 S. Union Street, Spencerport, NY 14559

OGDEN - $234,900

TEXT: PC142777 TO: VIDEOS

MICHAEL NOCE

85 S. Union Street • Spencerport, NY 14559 Cell: 585.233.8135 | michaelnoce@nothnagle.com | Fax: 585.352.6974 www.MichaelNoce.com

Happy New Year! .COM

G lennA dvantage DISTINCTIVE HOMES

To our customers and friends, we extend our warmest wishes for a wonderful 2017. O: 585.248.1064 GlennAdvantage@Nothnagle.com GlennAdvantageTeam.com

TEXT: PC142777 TO: VIDEOS R1010935

Lic. Associate R.E. Broker, CBR, GRI, REALTOR® “A Tradition of Sound Advice”

Enter the MLS# at PropertySourceOnline.com

R311347

Lic. Assoc. RE Broker

Happy New Year!

Mary Lobene

I ND

SPENCERPORT - $94,900

TEXT: PC13657 TO: VIDEOS R1011400

TEXT: PC142777 TO: VIDEOS

I ND

GREECE - $156,900

TEXT: PC89707 TO: VIDEOS

Anne Siconolfi Lic Associate RE Broker

585-208-7319 cell asiconolﬁ@nothnagle.com

1797 Penﬁeld Rd, Penﬁeld, NY 14526

Best Wishes for a Happy & Healty New Year!

BUY WITH CONFIDENCE. If you don’t like it, We’ll buy it back!* Guaranteed Beautifully cared for 3 Bedroom Cape

R1003123

Vinyl Sided 3/2 Bedroom Double

R316978

Vinyl sided 3 bedroom, 2 full bath Cape

R1017312

Rochester $69,900

Rochester $55,000

Cape Cod Sq Ft: 1778 – BD: 3 – BA Full: 2 – BA Half: 0 Schools:Greece Text PC77657TO:VIDEOS

Cape Cod Sq Ft: 1152 – BD: 3 – BA Full: 1 – BA Half: 0 Schools:Rochester Text PC78677TO:VIDEOS.

Multi-Family Sq Ft: 2466 – BD: 0 – BA Full: 0 – BA Half: 0 Schools:Rochester Text PC69987TO:VIDEOS

Cape Cod Sq Ft: 1054 – BD: 3 – BA Full: 2 – BA Half: 0 Schools:Rochester Text PC03177TO:VIDEOS

Lic Assoc. R.E. Broker

o 461-6320 Nice 2 bdrm Ranch. Eat-in kitchen

R1015566

Linda Wilson Lic Assoc. R.E. Broker

o 461-6320 Vinyl sided, 3 bedroom, 2 full bath Colonial

R1014488

Linda Wilson Lic Assoc. R.E. Broker

o 461-6320 3 Unit, Fully Occupied

R313686

o 461-6320

Linda Wilson Lic Assoc. R.E. Broker

3 Bedroom,1 Bath, 2 car det Gararge

R1017316

Rochester $45,000

Rochester $44,900

Rochester $35,000

Ranch Sq Ft: 1073 – BD: 2 – BA Full: 1 – BA Half: 0 Schools:Rochester Text PC01577TO:VIDEOS

Colonial Sq Ft: 1443 – BD: 3 – BA Full: 2 – BA Half: 0 Schools:Rochester Text PC00367TO:VIDEOS

Multi-Family Sq Ft: 1960 – BD: 0 – BA Full: 0 – BA Half: 0 Schools:Rochester Text PC57907TO: VIDEOS

2 Story Sq Ft: 1344 – BD: 3 – BA Full: 1 – BA Half: 0 Schools:Rochester Text PC03187TO:VIDEOS

Linda Wilson Lic Assoc. R.E. Broker

o 461-6320

R1018935 2/3 bdrm Cape. Living Room, Eat-in Kitchen

o 461-6320

Linda Wilson Lic Assoc. R.E. Broker

Rochester $25,000

Cape Cod Sq Ft: 903 – BD: 2 – BA Full: 1 – BA Half: 0 Schools:Rochester Text PC04278 to VIDEOS

Cape Cod Sq Ft: 1841 – BD: 4 – BA Full: 1 – BA Half: 0 Schools:Rochester Text PC69167TO:VIDEOS

o 461-6320

Linda Wilson Lic Assoc. R.E. Broker

o 461-6320

Linda Wilson Lic Assoc. R.E. Broker

4 Bedroom Cape, Eat-In Kitchen With Pantry

R316382

Rochester $30,000

Lic Assoc. R.E. Broker

*Certain restrictions apply. Prior sales excluded.

Greece $98,900

Linda Wilson

FOR MORE INFORMATION, CALL A NOTHNAGLE AGENT TODAY OR 899-MOVE.

Property Source • v21.1 • January 4 - 18, 2017

Vinyl sided, 3 bedroom, 2 full bath Cape Cod

R1001845

A Howard Hanna exclusive program.

Linda Wilson Lic Assoc. R.E. Broker

o 461-6320

Thank you

for a wonderful year as we look forward to a spectacular 2017! Proficient in speaking

Spanish

Proficiente en hablar

Español

Susan Marciano Licensed Real Estate Salesperson C: 585.500.9019

smarciano@nothnagle.com Nothnagle Realtors, Hilton Office, 49 Railroad Ave, Hilton, NY 14468

❄

Lynn Marie Persi Lic. RE Salesperson

lpersi@rochester.rr.com

o: 585-352-8562 c: 585-766-0162

85 South Union Street Spencerport, NY 14559

Wishing everyone a happy and healthy New Year! Lee Eichas

Lic RE Salesperson GRAR Sale Master, Nothnagle Platinum Agent

585-455-7414 cell 585-349-6027

leichas@nothnagle.com

Serving ALL of Monroe County and beyond!

Enter the MLS# at PropertySourceOnline.com

Happy New Year

Property Source • v21.1 • January 4 - 18, 2017

t he Providing Enhanced Services to your Customers!

V RTUAL R E A L

E S T A T E

S H O P

DO WHAT YOU DO BEST... AND LET VIRTUAL REAL ESTATE SHOP DO THE REST!

HOT

lis t

Your Perfect Partner in Real Estate.

In Real Estate, a picture is worth $1,000 or more!

My Commitment Makes the Difference!

Grace Wang

Professional Photography

Lic. Associate RE Broker | REALTOR ®

2016 Sales Master Award Winner

MLS input

698-2028 Direct (585) 766-7825 Cell

(585)

Client Communications Contract Processing

Call us today for a personalized quote!

585-734-9923

VirtualRealEstateShop.com

gwang@nothnagle.com

Real Estate Agents are hired to sell homes, NOT TAKE PHOTOS. Let us show and help you get top dollar for your clients!

L ESTAT

CA LO

L PRO

Warmest Wishes for 2017

Happy 2017! Call or Text Me! Let’s Find You a New Home for the New Year.

It’s a Julie Thing Julie Pangrazio

Lic RE Salesperson, ABR, GRI, MRP, SRS, REALTOR Sales Master Gold Awarded 11/19/2016

585-346-8233 cell 585-469-8880

office

JPangrazio@Nothnagle.com

Enter the MLS# at PropertySourceOnline.com

Geneseo Office - 81 Main Street Geneseo, NY 14454

& thanks to my clients for a successful 2016!

Noemi Williams Lic RE Salesperson 585-734-4706 cell 585-368-7135

1081 Long Pond Rd, Ste 100 Rochester, NY 14626

Looking forward to a wonderful 2017 THANK YOU for your trust and referrals

SANDRA MALUTA Lic Associate R.E. Broker C: (585) 752-0921 smaluta@nothnagle.com

1081 Long Pond Rd, Ste 100, Roch, NY 14626

Start the New Year with a bang! Buy a home! Interest rates are great!

Nancy

Vesling SRES: Senior Real Estate Specialist Lic. Assoc. RE Broker, SRES

C: 585-738-6536

nvesling@nothnagle.com

33 S Main St Pittsford, NY 14534

Celebrate the NEW YEAR! Climb on Maureen’s Express into 2017 and Beyond !

To all my customers and clients. Many of you have known me for most of my career. Some of your children have even been my customers. Now it is time to thank you for all your allegiance and referrals. For 33 years I have served the Rochester Area. You have contributed in a big way. Please fill your holidays with family and friends. Finally, I always have time for you, your referrals or even a cup of coffee or tea. Just call me!!

M AU R E E N L T O O M B S “Experience Integrity & Success” Licensed Real Estate Associate Broker

Connect Direct 585-259-5287 www.maureentoombs.com

t he

HOT

list

Webster $239,000

A Stunning Entr w/Pillars Invites You Into A Slate Covered Foyer. Oversized LR,Hrdwds thruout, Fml DR,Granite Kit, FR w/FP facade, 4 BR’s,Mstr w/ BA,Neutral Colors,Priv Deck Overlooks Wooded Lot+MORE

Realty Group Spring is Here, Inventory is Low Cindy “B” Call TracyRosato L. Knight

c 330-9905

Joan Kulikowski Lic R.E. Salesperson

Welcome to 40 Rialto St: 3BR,1.5 bath Split

R1017099

forLicensed your free market analysis Associate R.E. Broker

o (585) 756.7418

Lic. R. E. Salesperson Call/Text: 585-755-2482 Email: tracyk@kw.com

TeamCindyB.com

Rochester $47,500

Protecting buyers & sellers for 29 years. Call me today for GREAT representation!

Split Level Sq Ft: 1841 – BD: 3 – BA Full: 1 – BA Half: 1 Schools:Rochester

2000 Winton Rd S, Bldg 1, Suite 201, Rochester, N.Y. Each office is independently owned and operated.

Lic Assoc. R.E. Broker

KNIGHT & day!

L ESTAT EA E

AL ESTATE

CA LO

L PRO

Lic. R. E. Salesperson Call/Text: 585-755-2482 Email: tracyk@kw.com

CAL PRO O L

2000 Winton Road, Rd S, Bldg 1, C, Suite 201, Rochester, N.Y. Each 550 Latona Bldg. Rochester NY 14626. Eachoffice office isisindependently independentlyowned owned and and operated. operated.

Let’s make it a year to remember!

nsemal@rochester.rr.com nancysemal.com

c 507-3468

Colleen Bracci

TO YOU AND YOURS! JEFFREY & LISA WEST Licensed Real Estate Salespersons

370-9540 cell • 758-8326 office

Lic Assoc RE Broker

CAL PRO LO

Colonial Sq Ft: 2055 – BD: 4 – BA Full: 2 – BA Half: 1 Schools:Greece

HAPPY NEW YEAR

Nancy Semal R

Greece $214,900

Lic Assoc. R.E. Broker

Happy New Year! Office: 585-279-8128 Cell: 585-329-6013

Lots of space and a wonderful Neighborhood

R1019032

Working hard for you both

c 760-4926

Christina Smith-Dell

Tracy L. Knight

L ESTAT EA E

Property Source • v21.1 • January 4 - 18, 2017

It’s not WHO you know in Real Estate, It’s WHAT they know in Real Estate...

R1010487 790 Hightower Way - For The “Perfectionist” In You! OPEN SUNDAY 1/8 FROM 1-3 PM

JeffandLisaWest.com 2171 Monroe Ave Rochester NY 14618

550 Latona Rd, Bldg C Rochester, NY 14626

Each office independently owned and operated

Happy New Year!

-Catherine

Your 1000 Islands Girl

Let me put my 28 years of real estate experience to work for you!

CALL ME!

www.JackieBaker.com Jacqueline Baker, Lic. RE Salesperson

2171 Monroe Ave, Roch, NY 14618 • 279-8122

CATHERINE WYBLE

Lic. Associate Real Estate Broker

Cell/Text (585) 506-6289 Catherine@WybleRealEstate.com WybleRealEstate.com • 1000IslandsGirl.com

550 Latona Rd, Bldg C, Ste 201 Rochester, NY 14626

Enter the MLS# at PropertySourceOnline.com

Going above and beyond is just what Jackie does. Because we knew Jackie was personally involved in every step of the transaction, we never worried about the details. It’s obvious that real estate is more than just a job for Jackie... helping people seems to be her passion.

Wishing You a Bright and Prosperous New Year!

Discover Real Estate | BHHSDiscover.com Spencerport (585) 352-4896 | Pittsford (585) 381-7322

Property Source • v21.1 • January 4 - 18, 2017

Discover Real Estate Corning!

R297731

New Chili Office (585) 247-8250

R1015666

Corning $324,900

Lic Assoc. R.E. Broker

R1006849

o 352-4896 New Listing!

Webster $329,000

Unique opportunity awaits here. This 6 bedroom two and a half bathrooms oversize spacious home is ready for you. Features hardwood floors throughout. Beautiful backyard for entertainment. Lois McCarthy Lic R.E. Salesperson

R1015487

o 381-7322 New Listing!

300amp elec. 6 bdr, 6.5 ba, Wrap around observation deck. Ornate gardens with fruiting trees, a park like setting. Accessible features such as 1st flr master, no step entrys, & an elevator. Onnalee Youngman Lic R.E. Salesperson

R1018856

R1008978

o 352-4896 New Listing!

Rochester $74,900

3 beds/1 bath with its original hardwood floors, doors and molding throughout.Potential finished attic & basement. 2007 Complete tear off Roof, Hot Water Tank and Furnace installed.

Veronica Anthony Lic R.E. Salesperson

Enter the MLS# at PropertySourceOnline.com

R1018019

o 352-4896 New Listing!

Lashay Harris Lic R.E. Salesperson

R1017836

R292958

o 381-7322 City of Rochester!

Onnalee Youngman Lic R.E. Salesperson

R0000292

o 352-4896

Lic R.E. Salesperson

Check it out!

David Merica Lic R.E. Salesperson

R1007616

o 352-4896 New Listing!

Ogden $249,900

3 BEDROOM COLONIAL ON 9.8 ACRES FEATURES UPDATED KITCHEN, UPDATED BATHROOMS, FORMAL DINING ROOM, BEAUTIFUL MASTER SUITE W/ WALK IN CLOSET AND JACUZZI TUB, LARGE GREAT ROOM WITH WOOD BURNING FIREPLACE

Lic R.E. Salesperson

R321446

o 381-7322 City Living!

o 381-7322

Kenneth Dauphinee Lic R.E. Salesperson

R292104

o 381-7322

Timothy Spooner Lic R.E. Salesperson

New Listing!

R1009023

Margaret Altieri Lic. R.E. Salesperson

R1017175

R270650

o 352-4896 Reduced!

Rochester $52,000

Formal DR & Bonus room (enclosed heated front porch w/electrical outlet). New (2014) tear-off roof. New (2014) 40-gal hot water heater bought by seller for future use. New (2015) furnace Opal Bailey Lic Assoc R.E. Broker

R321452

o 352-4896 City Living!

Rochester $42,900 Original woodwork, hardwood floors. 1.5 baths, 1 large enclosed front porch, 3 car garage, 2nd floor porch, french doors.

Jeannine Meilman Lic R.E. Salesperson

o 381-7322

o 352-4896 New Listing!

Bath $107,000

This home has been remodeled from top to bottom. 1 car garage with additional storage in back. Finished 3 season porch. Electrical upgraded to 220 AMP, New H2O tank, furnace 2006. Onnalee Youngman Lic R.E. Salesperson

R321634

o 381-7322 City Living!

Rochester $58,000

Cozy 4 bedroom, 1 full bathroom, Cape Cod style home with 2 floors. Kitchen has ceramic tile throughout. Living room has a door leading to an enclosed porch. Completely fenced-in large backyard.

Tenant occupied. Spacious home. Includes 33x25 barn and detached garage. Great investment opportunity.

Lic R.E. Broker

A-Frame Chalet

Log sided home on 19.2 acres of open fields & woods. Master bed suite on 1st floor w/ full bath & walk in shower. Beautiful kit w/ cupboards. Large walk-out base is partially finished

Rochester $63,900

Dennis Levandowski

o 352-4896

Grove $215,000

Old charm w/ modern conveniences & style. Updates include new baths, all the hardwood floors have been refinished, new roof, new furnace, ducts & new AC, new plumbing, water supply line, & paint. 2 Story

2 bedrooms, 2 and a half bath home in the city of Rochester.

Lic R.E. Salesperson

4 large bedrooms, 3.5 baths, fireplaced family room private wooded back yard. Beautiful hardwood floors through out the 1st floor,the finished walk-out base man cave with fireplace. 5 private acres.

Manchester $168,500

Rochester $42,900

Jeannine Meilman

New Listing!

R1009570

Why Rent When you can Own, 3 Bedroom 2 Bath House located on a quiet street. New Roof (2015) and Garage too ,Deck newly Stained, Newly painted Wall and Finished Basement. Priced to sell!!

Lic R.E. Salesperson

o 352-4896

Cheryl & Al Honan

Rochester $55,000

Timothy Key

New Listing!

R1014150

First floor features large living room and dining room. Large kitchen. Full bathroom, a laundry room and a large room. There are 3 bedrooms on the second floor and another full bath.

Ranch style home, 2 bedrooms, 1 bathroom, Eat-in kit, living room, 813 square feet of living space. House has a large fenced in back yard. Base has a large laundry room w/ plenty of storage space.

Lic R.E. Salesperson

o 381-7322

o 352-4896

Carol Ann Williams

New Listing!

Hamlin $389,900

LOCATED right on the CORNER OF ROUTE 96 and ROUTE 21. Immediate area coverage: Canandaigua Lake, Bristol, Farmington, Victor, Pittsford, Clifton Springs, Phelps, Geneva, Palmyra, Macedon.

Avon $64,900

Rochester $44,900

Jorge Rodriguez

New Listing!

Brand New Roof! New lighting fixtures and updated bathrooms will be complete before closing. Seller is able to negotiate and will remedy cosmetic repairs required.

This recently updated property is ready for a tenant or would be a great opportunity for the first time buyer. Listed along with 5 other properties as the Urban Investment Package.

Lic R.E. Salesperson

o 381-7322

Irondequoit $170,000

Rochester $55,000

Lashay Harris

New Listing!

R1011352

Manchester $650,000

This is the Urban Investment Package which includes: 5 single residence & 1 two-family. 5 Separate lease agreements, including one recently renovated. All units have agreements except 206 Depew Street

If you love all this you will love this 1883 Queen Anne Victorian YES beautiful wrap around porch. All updates done. Just move in. One of the most comfortable elegant homes you will ever own.

Lic R.E. Salesperson

o 381-7322

New Listing!

R1015406

Rochester $250,000

Phelps $179,000

Carol Ann Williams

Buffalo!

Clarence $850,000

Beautiful log home on 22 acres. 3 bedrms, 2.5 baths, 2 car gar. Home has a front and back porch & walk out deck off 2nd floor master bedrm. Walkout basement is 13 courses and heated & features lrg gar Augustine Zaso

HappytoNew Year! Good know.™

Jorge Rodriguez Lic R.E. Salesperson

R1017954

o 352-4896 New Listing!

Rochester $50,000

Great investment property that is apart of the Urban Investment package that includes 5 other properties. This property is close to the airport, U of R, Genesee Valley Park and minutes from downtown.

Lashay Harris Lic R.E. Salesperson

R1002752

o 381-7322 New Listing!

Rochester $39,200

Can easily be converted back to duplex. Great home for “flipper” or Investor. Home in need of repair, but great possibilities. PROPERTY INCLUDES VACANT LOT ON 32 Jefferson Court (lot in back of house) 2 Story Sq Ft: 2427 – BD: 5 – BA Full: 2 – BA Half: 0 Rhonda Sweet Lic. R.E. Salesperson

o 352-4896

Joyce Johnston

RE/MAX Plus

Helping you find your way home.

Jacquelyn Cannan Lic. Assoc. R.E. Broker

Plus

11+ Acres of woods + LAKE Ontario Waterfront

R1009510

Nate Pope

Christina Feck

Listing Coordinator Lic. R.E. Salesperson Lic. R.E. Salesperson

2171 Monroe Avenue, Rochester, NY 14618

Backing To Arrowhead

R1004372

TheCannanTeam.com o:279-8040 Each office independently owned and operated.

Wonderful Layout in this 4BR 2.5BA Col

R1009482

Webster $375,000

Pittsford $325,000

Land Sq Ft: 0 – BD: 0 – BA Full: 0 – BA Half: 0 Schools:Webster

Colonial Sq Ft: 3056 – BD: 5 – BA Full: 4 – BA Half: 0 Schools:Pittsford

Colonial Sq Ft: 2653 – BD: 4 – BA Full: 2 – BA Half: 1 Schools:Pittsford

Jacquelyn Cannan Lic Assoc. R.E. Broker

o 279-8040 Wonderful history filled home-Park Ave.

R1017315

Jacquelyn Cannan Lic Assoc. R.E. Broker

Lic Assoc. R.E. Broker

o 279-8040 Now this feels like home! Ranch House!

R1018429

Lic Assoc. R.E. Broker

Greece $129,900 Ranch Sq Ft: 1920 – BD: 4 – BA Full: 2 – BA Half: 0 Schools:Greece

Lic Assoc. R.E. Broker

o 279-8040

Nice 2BR Duplex with new carpeting

R1018909

Pittsford $1,175/mo

All redone inside. Gleaming hrdwds! 4 BRs - 2 on each level w/updated BAs! Some newer windows. Frplced LR. Office/den. Eat-in kit. Formal DR. Full bsmt & 2c gar. Deck & private yard! Immed poss Jacquelyn Cannan

o 279-8040

Jacquelyn Cannan

Rental Sq Ft: 1082 – BD: 2 – BA Full: 1 – BA Half: 0 Schools:Pittsford Jacquelyn Cannan Lic Assoc. R.E. Broker

Happy 2017!

o 279-8040

Enter the MLS# at PropertySourceOnline.com

o 279-8040

Deal of the century!

R1018824

Pittsford $1,800/mo

Ranch Sq Ft: 1337 – BD: 3 – BA Full: 1 – BA Half: 0 Schools:East Irondequoit

Lic Assoc. R.E. Broker

o 279-8040 Walk to Village and School!

R0000437

Irondequoit $124,900

Jacquelyn Cannan

Lic Assoc. R.E. Broker

4BR 1.5BA Col. on 1 acre lot! Hardwd flrs. Formal dining, Living rm w/frplc. Finished bsmt with frplc. 2 car gar. Original owner-well cared for! Colonial Sq Ft: 1564 – BD: 4 – BA Full: 1 – BA Half: 1 Jacquelyn Cannan

o 279-8040

Jacquelyn Cannan

Gates $130,000

2 Story Sq Ft: 2828 – BD: 6 – BA Full: 2 – BA Half: 1 Schools:Rochester Jacquelyn Cannan

New listing!

R1018946

Rochester $199,900

o 279-8040

Property Source • v21.1 • January 4 - 18, 2017

THE CANNAN TEAM

R1008891

Sam Morreale Lic R.E. Salesperson

R320862

Sam Morreale Lic R.E. Salesperson

R1017038

Sam Morreale Lic R.E. Salesperson

UNBELIEVEABLE 12.88 acre Parcel!

R1015377

3BR,1.5BA, Center Split

R1015171 4BR,1.5BA Colonial/Very Nice Condition!

R1013813

AWESOME MONEYMAKER!! 4 units all rented!

Penfield $299,900

Greece $159,900

Irondequoit $142,500

Rochester $120,000

Commercial Sq Ft: 3200 – BD: 0 – BA Full: 0 – BA Half: 0

Split Level Sq Ft: 1738 – BD: 3 – BA Full: 1 – BA Half: 1 Schools:Greece

Colonial Sq Ft: 1971 – BD: 4 – BA Full: 1 – BA Half: 1 Schools:West Irondequoit

Multi-Family Sq Ft: 5760 – BD: 0 – BA Full: 0 – BA Half: 0 Schools:Rochester

c 451-0140 SIMPLY PUT:This 3BR Col Is BREATHTAKING!

Sam Morreale Lic R.E. Salesperson

R1010625

c 451-0140 3/4BR, 1.5BA, Split Level

Sam Morreale Lic R.E. Salesperson

R1016989

c 451-0140 Spacious 3 Bedroom Ranch

Sam Morreale Lic R.E. Salesperson

R1015774

c 451-0140 Affordable MAPLEWOOD Home!

Greece $94,900

Irondequoit $89,900

Irondequoit $84,900

Rochester $52,900

Colonial Sq Ft: 1306 – BD: 3 – BA Full: 1 – BA Half: 0 Schools:Greece

Split Level Sq Ft: 1379 – BD: 4 – BA Full: 1 – BA Half: 1 Schools:East Irondequoit

Ranch Sq Ft: 921 – BD: 3 – BA Full: 1 – BA Half: 1 Schools:East Irondequoit

Colonial Sq Ft: 1676 – BD: 3 – BA Full: 1 – BA Half: 0 Schools:Rochester

c 451-0140 Nice updated Maplewood Double!

Sam Morreale Lic R.E. Salesperson

R1017654

c 451-0140 4BR Colonial is TURN KEY!

Sam Morreale Lic R.E. Salesperson

R1014867

c 451-0140 This 4BR colonial has 3 FULL BATHS!

Sam Morreale Lic R.E. Salesperson

R1016736

c 451-0140 Desirable side by side double on a corner lot!

Rochester $46,500

Rochester $39,900

Greece $162,500

Rochester $69,900

Multi-Family Sq Ft: 1371 – BD: 0 – BA Full: 0 – BA Half: 0 Schools:Rochester

Colonial Sq Ft: 1829 – BD: 4 – BA Full: 1 – BA Half: 0 Schools:Rochester

Colonial Sq Ft: 2176 – BD: 4 – BA Full: 3 – BA Half: 0 Schools:Hilton

Multi-Family Sq Ft: 2450 – BD: 0 – BA Full: 0 – BA Half: 0 Schools:Rochester

c 451-0140

Sam Morreale Lic R.E. Salesperson

c 451-0140

Dean Muller Lic R.E. Salesperson

c 489-9687

Dean Muller Lic R.E. Salesperson

c 489-9687

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389 Park Avenue Rochester, NY 14607

Floorplan View 585-244-4444

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John “Ted” Sweeney PaulettePaulette Petix Petix John “Ted” Sweeney Melissa Powers Melissa DougPowers Vandetta

Mortgage Consultant, Mortgage Consultant, Mortgage Consultant, Mortgage Consultant, Mortgage Consultant, Mortgage Consultant, Mortgage Consultant, Mortgage Consultant, Mortgage Consultant, NMLS #1223784 NMLS #1413349 NMLS NMLS #1413349 NMLS #22919NMLS #22919 NMLS #1223784 #589984 NMLS NMLS #57865#57865 c: 585-737-9273 c: 585-208-3036c: 585-455-3307 c: 585-455-3307c: 585-771-0138 c: 585-771-0138 c: 585-737-9273 c: 585-208-3036 c: 585-233-8439 o: 585-473-LOAN o: 585-473-LOAN o: ext. o: 585-473-LOAN o: 585-473-LOAN ext. 104 ext.o:110 585-473-LOAN ext. 111 o: 585-473-LOAN ext. 101 ext. 101 o: 585-473-LOAN o: 585-473-LOAN ext. 104 585-473-LOAN 110 ext. ext. 111 107 ppetix@banasmortgage.com jtsweeney@banasmortgage.com mpowers@banasmortgage.commpowers@banasmortgage.com dvandetta@banasmortgage.com sdipiano@banasmortgage.com sdipiano@banasmortgage.com ppetix@banasmortgage.com jtsweeney@banasmortgage.com Licensed Mortgage Broker NYS Department ofof Financial Services. arranged through third party providers. NMLS #1197462 Registered Mortgage Broker NYS Department Financial Services.Loans Loans arranged through third party providers. NMLS #1197462