Life and Homes Capital Region New York

Life and and

Capital Region Central NY

Homes

FREE Free

ptember Aprils e2010 2014

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Upgrade Your Space Just Listed Your Local Real Estate Resource Guide

LifeandHomes.com

Life and

Garage Parker

Homes

Hard as I try not to let it happen, as soon as I turn the calendar to September,

Capital Region, NY Edition

thoughts of prepping for winter start crowding my mind. We’ve been

Published By capital region lifeandhomes Gary S Ziele, RMC 518-727-2012 Gary@lifeandhomes.com

tackling a few outdoor projects this summer, trying to get some of the must-do items off the list while the weather (mostly) cooperates. Next on my list is the garage. Nothing crazy. Just a couple trips to the dump, (no

Publication Franchisee, RMC Gary S. Ziele

bulk curbside trash pick up here in the country), and some general cleaning and organizing. You can purchase some great organization systems for

Tammy Monroe Account Executive

your garage at most hardware and home good retail outlets. Heavy duty

518-321-5529 • TammyM@lifeandhomes.com

hooks and holders can help you get much of the clutter off the floor while

THIS WEEKEND‘S

OPEN HOUSES

Is your garage inundated with cans of old paint and cleaner? Mine too.

Don’t throw them in the trash. Bring them to a Hazardous Waste Disposal

518-727-2012

518-321-5529 TammyM@LifeandHomes.com

Advertising Deadline October Issue August 29, 2014

drop off. Check out www.paintcare.org to find the nearest location.

Corporate Office D avid Lisi, O WNER 315-865-5845

My wife read somewhere that only 30% of us actually park our cars in

David@LifeandHomes.com

our garage due to clutter. My job is to make sure we’re one of the few…

Lisi Merchant Solutions, Inc.

the proud… the garage parkers. Happy wife, happy life. What’s sitting in

PO Box 18 Holland Patent, NY 13354

Visit LifeandHomes.com/CR-NY for Open House information, updated every Friday afternoon @ 4:30.

your garage?

Gary Ziele 518-727-2012 • Gary@lifeandhomes.com

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Capital Region

The Most Affordable Way to Promote Your Listings Call 518-727-2012 Marke print /online

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PO Box 12201, Albany, NY 12212

Account Executive tammy monroe

shelves and/or cabinets will help keep items where they are easily accessible.

foras Lowas

$15

LifeandHomes' goal is to increase real estate, and real estate-related, transactions in our local area. We live here. We care.

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Capital Region LifeandHomes™

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315-865-5845 Fax 1-315-865-7418 www.LifeandHomes.com/CR-NY For franchise information call, 315-865-5845 LifeandHomes is published monthly by Lisi Merchant Solutions, Inc. 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 © 2014 Lisi Merchant Solutions, Inc.

Looking for a Franchise?

LifeandHomes™ Franchise is a low cost, home-based, recurring revenue business model.

Our franchise system enables the franchisee to become the Real Estate Marketing Expert in their community.

Contact David Lisi 315.865.5845 LifeandHomes.net david@lifeandhomes.com

Must-Know Mortgage Terms FICO Score: FICO is an abbreviation for Fair Isaac Corporation and refers to a person’s credit score based on credit history. Lenders and credit card companies use the number to decide if the person is likely to pay his or her bills. A credit score is evaluated using information from the three major credit bureaus and is usually between 300 and 850.

“A” Loan or “A” Paper: a credit rating where the FICO score is 660 or above. There have been no late mortgage payments within a 12-month period.

This is the best credit rating to have when entering into a new loan.

“B” Loan or “B” Paper: FICO scores from 620 - 659.

Factors include two 30 day late mortgage payments and two to three 30 day late installment loan payments in the last 12 months. No delinquencies over 60 days are allowed. Should be two to four years since a bankruptcy. Also referred to as Sub - Prime.

“C” Loan or “C” Paper: FICO scores typically from 580 to 619. Factors include three to four 30 day late mortgage payments and four to six 30 day late installment loan payments or two to four 60 day late payments. Should be one to two years since bankruptcy. Also referred to as Sub - Prime.

First Mortgage: the mortgage with first priority if the loan is not paid.

Second Mortgage: an additional mortgage on property. In case of a default the first mortgage must be paid before the second mortgage.

Second loans are more risky for the lender and usually carry a higher interest rate.

Balloon Loan or Mortgage: a mortgage that typically offers low rates for an initial period of time (usually 5, 7, or 10) years; after that time period elapses, the balance is due or is refinanced by the borrower.

Biweekly Payment Mortgage: a mortgage paid twice a month instead of once a month, reducing the amount of interest to be paid on the loan.

Convertible ARM: an adjustable-rate mortgage that provides the borrower the ability to convert to a fixed-rate within a specified time.

Fixed-Rate Mortgage: a mortgage with payments that remain the same throughout the life of the loan because the interest rate and other terms are fixed and do not change.

Graduated Payment Mortgages: mortgages that begin with lower monthly payments that get slowly larger over a period of years, eventually reaching a fixed level and remaining there for the life of the loan. Graduated payment loans may be good if you expect your annual income to increase.

Intermediate Term Mortgage: a mortgage loan with a contractual maturity from the time of purchase equal to or less than 20 years.

Lock It Up -

Safe Firearm Storage

According to a study by the RAND Corporation, approximately 1.4 million homes have firearms stored in a way that makes them accessible to the wrong hands – children, at-risk youth, potential thieves, and those who intend to harm themselves or others.

To help you find the best safe storage solution for the firearms in your household, the National Crime Prevention Council suggests some of the most readily-available storage solutions. *A trigger lock can be used to keep someone from being able to pull the trigger. Trigger locks are available in a variety of configurations, from basic key lock options to those that require combinations to open the lock. * The cable lock can be used on most firearms.

The cable is most often placed through the gun barrel, which generally impedes loading and firing. * Storage cases come in various sizes and can be used for both storing and locking up a firearm.

The case can be locked, but the lock must often be purchased separately. *A lock box is like a small safe that allows you to store your firearm safely and securely via key or combination lock or by a digital keypad, to prevent unauthorized access to the firearm. * Gun safes comes in a number of sizes to accommodate long guns and includes spaces for storing handguns as well and have the option of a combination lock or digital keypad to lock it.

L i f e and H o m e s

HECM (Reverse Mortgage): the reverse mortgage is used by senior homeowners age 62 and older to convert the equity in their home into monthly streams of income and/or a line of credit to be repaid when they no longer occupy the home. A lending institution such as a mortgage lender, bank, credit union or savings and loan association funds the FHA insured loan, commonly known as HECM.

Join the Conversation: Go to www.facebook.com/ pages/Lifeandhomes.CapitalRegion to leave your thoughts on this and other articles.

For more safety information, visit ncpc.org www.Life and Homes .com

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Assumable Mortgage: when a home is sold, the seller may be able to transfer the mortgage to the new buyer. This means the mortgage is assumable.

Lenders generally require a credit review of the new borrower and may charge a fee for the assumption. Some mortgages contain a due-on-sale clause, which means that the mortgage may not be transferable to a new buyer. Instead, the lender may make you pay the entire balance that is due when you sell the home. An assumable mortgage can help you attract buyers if you sell your home.

Two Step Mortgage: an adjustable-rate mortgage (ARM) that has one interest rate for the first five to seven years of its term and a different interest rate for the remainder of the term. (HUD.gov)

September

ARM: Adjustable Rate Mortgage; a mortgage loan subject to changes in interest rates; when rates change, ARM monthly payments increase or decrease at intervals determined by the lender; the change in monthly payment amount, however, is usually subject to a cap.

newsShorts

newsShorts

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Ebates and Big Crumbs are free programs that give you up to 25% cash back for purchases that you make online.

(Source: ChristianPF.com)

Only Certain Home Improvements Pay Off The Appraisal Institute (AI) encourages homeowners to exercise good judgment when deciding which home improvement projects to take on, saying that not all renovations enhance property values.

“It’s very important that renovations stay within, but not exceed, community norms,” says AI President Ken P. Wilson. “If they don’t match what’s standard in a community, owners could have difficulty recouping their investment when selling the property.”

According to Remodeling magazine’s most recent Cost vs Value report, some of the projects with the highest expected return on investment are entry door replacement (steel), deck addition (wood), garage door replacement, attic bedroom and minor kitchen remodel. Other renovations with high expected pay-offs include window replacement

Wilson advises homeowners that it may be best to hold off on major renovations if they aren’t sure how long they will be in the home. The longer a homeowner stays in a property, the greater the opportunity for a return on investment, he says.

“And cost does not necessarily equal value.”

For an unbiased analysis of what their home would be worth both before and after an improvement project, a homeowner can work with a professional real estate appraiser – such as a Designated member of the Appraisal Institute – to conduct a feasibility study. During a feasibility study, the appraiser will analyze the homeowner’s property, weigh the cost of rehabilitation and provide an estimate of the property’s value before and after the improvement.

Some green and energy-efficient renovations, such as adding Energy Star appliances and extra insulation, are likely to pay the homeowner back in lowered utility bills relatively quickly. Lower utility costs also are a draw for potential homebuyers. When appraising a home, the appraiser evaluates local supply and demand for green and energy-efficient properties and features.

The Appraisal Institute offers a free, informative brochure titled “Remodeling and Rehabbing” at www.appraisalinstitute.org Join the Conversation: Go to www.facebook.com/ pages/Lifeandhomes.CapitalRegion to leave your thoughts on this and other articles.

August has been dubbed National Curb Appeal Month and it’s dedicated to helping homeowners add value to their home’s exterior. According to real estate experts great curb appeal can add 15-20% of value to a home while poor curb appeal can devalue a home by 10%.

Different curb appeal elements, such as wellmaintained shrubbery, decorative millwork and trim, colorful plants and a appealing front entryway can have a fast, positive impact on home buyers, according to Niki Decker of Fypon.

“If you’re putting your house on the market, curb appeal is critical because it’s the first impression for potential buyers. That’s why exterior replacement projects can offer the biggest bang for your buck,” says Matt Minerd of Simonton Windows. “You can recoup almost 80 percent of your cost when replacing your entry doors or windows.”

Something as simple as adding color to your front door, shutters and trim can play a major role in creating curb appeal. Other appeal elements you’ll want to consider include: * Making sure all windows are sparkling clean * Cleaning/resurfacing your walkways * Fixing any sagging fences or worn mailboxes * Adding outdoor lighting For more curb appeal tips and information on National Curb appeal month, visit blog.simonton.com (HIT)

Capital Region

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(wood and vinyl), siding replacement (vinyl) and basement remodel.

Stand Out Curb Appeal Tips

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N D O A R C I K D A Real Estate

Linda Marchella Broker /Owner

(518) 623-5030

llc

3912 Main St, Warrensburg, NY 12885

Schroon

$367,500 Horicon Hadley

Warrensburg Waterford

$139,900 Horicon Hoosick

Immaculate unit #12. It’s closest to the lake with a 180 degree view. Custom gourmet kitchen with hardwood cabinets and stainless appliances. The garage was finished as a Family Room or FF Master. A gas fireplace warms you just enough when the days are chilly. A deeded dock will handle a boat up to 22’. Absolutely move-in condition!

Well-kept 4-BR cape on large lot bordered by Potter Brook.

Eat-in kitchen and hardwood floors throughout first floor.

Although no garage there could be one with a set of overhead doors. A newer stand-alone building would be a great summer house. A third tack house could house your hens or goats or become a playhouse for the kids.

(518) 466-5497

$79,900 Warrensburg Waterford

$159,900

$175,000 Warrensburg Waterford

$179,900

Rent with lease option. HW floors throughout. Neat little village home. Enclosed porch and private rear yard. Walk to Main St., church and Stewarts Plenty of storage. Walk-up attic. Home sits behind another. No off-street parking. Great for someone who doesn’t drive.

$120,000 Warrensburg Waterford

Shovel Ready Sub-division. Good investment, there are 7 lots, totaling 26+ acres of wooded property with A.P.A. approved Deer Wood Acres sub-division. Buy one, buy several, or buy them all.

(518) 335-1399

Sales Associate

We Produce Results, Not Regrets!

$25,500 Hudson Falls Village

Residential Lots & Land. Great building lot at the end of town road, already has a drilled well, owner has perc test done and plans to build a home, approved for building on a nice ridge surrounded by evergreen trees. Great buy.

Teresa Whalen

Sales Associate

(800) 936-5225 • (518) 623-5030 ww z .bi w.A e t ta diron dackreales

Cheryl Hayes

Multi Family Home. 2 houses provide four units of income.

Rear house has 3BR FF and efficiency up. Tenants pay heat and electric. Front DW has 2BR and 1 BR. LL pays heat and electric. Units were insulated and updated in 2006.

Energy star riverfront home. Energy Star Home, beautiful contemporary design looking to the Schroon Riverfront from the front deck but house sits on the hill so no flooding danger…Motivated Seller!

Riverfront homestead. Charming historic farmhouse at the site of the former woolen mill. Exactly as it served 3 generations, this wonderful home has large open rooms to host great gatherings. It’s in immaculate condition and ready for new life.

Lots of play room inside & out. Swim, fish or canoe just outside your door. A small barn also serves as a garage or workshop.

September

Knowledge

& Know-How! Multi Family Home. Owner occupied two-family. Many updates. Nice eat-in kitchens with new cabinets in both units. Rocking chair front porch and large back yard. Existing garage needs roof or demolition. Owner left to save rebuilding rights. Great opportunity for 1st time buyer. Live in one and let the other pay your mortgage.

$168,900 Chestertown

Nestled in the pines. Fish, swim & boat on nearbyTripp Lake.

Quietly nestled in the trees, this 4 BR colonial gives easy access to all the surrounding lakes & rivers.The large first floor Family Room/Library would also serve as a FF Master suite.The golf course is right around the corner.Wintertime the warming woodstove is waiting after a day on the slopes at nearby Gore.

$449,000

Enjoy beautiful sunrises from any floor of this unique waterfront home which provides privacy & seclusion, yet easy access.The flexible space currently houses a full floor family room, huge gourmet kitchen w/ great room & home gym(or bunk room)in walkout basement.Minutes from Gore and the surrounding lakes. Acreage includes 2 lots combined.

Providing a superior level of informed, professional real estate services to buyers and sellers in the greater Adirondack area.

www.Life and Homes .com

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L i f e and H o m e s

$129,900 Warrensburg Waterford

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Glens Falls

Loudonville Luxury 8 East Hills Boulevard “Car Lover’s Dream”

• 6 Car Heated Garage • Brick Exterior • Private In-Law Apartment • 5 Bedrooms & Bonus Room • Lavish 1st Floor Master Suite • Exquisite Details Throughout • Resort Yard with Outdoor Kitchen, Bar & Half Bath

Eileen Micheli

Licensed Associate Real Estate Broker

Cell: 518-857-0879

$1,595,000

emicheli@realtyusa.com

RealtyUSA.com 20 Aviation Road Albany, NY 12205 Office: (518) 489-1000

2 East Ridge Road “Live on the Golf Course”

• Meticulous Detail • Fabulous Great Room • Formal Dining Room • First Floor Master Suite • 3 Bedrooms - 3 Baths Upstairs • Large Office • Amazing Lower Level • Patio, Landscaping, Stone Walls Plus 100 Trees for Privacy

Martha P Chamberlin

Licensed Associate Real Estate Broker

Cell: 518-441-7030

mchamberlin@realtyusa.com

RealtyUSA.com 20 Aviation Road Albany, NY 12205 Office: (518) 489-1000

$1,600,000

GLENS FALLS $139,500 SCHUYLERVILLE $274,999 CHESTERTOWN $517,000 50 Geer St - Sitting on a double city lot, you’ll 11 Schuyler Island Dr - Water views from 22 Tall Pines Rd - With 4 bedrooms and 3 full every window. This two bedroom, two full bath townhome brings nature to your door.

Situated on Schuyler Island with an amazing gourmet kitchen with granite, stainless steel appliances and two decks overlooking the Hudson. An ideal setting minutes from everything! MLS#201401139

baths situated on a very private 4 acres, this conveniently located home can be used as a year round residence or a convenient weekend get away! Private access to the lake via the dam or the use of a shared, sandy beach (with three other properties) with a dedicated dock just steps away. MLS#201402129

L i f e and H o m e s

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Capital Region

never need for space inside or out. Situated on a quiet street in a well maintained neighborhood, this is the perfect home at the perfect price. This well maintained home is ready to move into with newer roof, windows, vinyl siding, hot water heater and furnace. All major items updated!MLS#201332977

Vincent Forbes Licensed Real Estate Salesperson 505 Broadway Saratoga Springs, NY 12866

(212)375-9011 (MOBILE) vforbes@realtyusa.com www.vinforbes.com www.restorationsaratoga.com

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

CHESTERTOWN $219,000 CLIFTON PARK $1,300,000 CLIFTON PARK $249,000 3 Elks Glade - This is a rare opportunity to 117 Dunsbach Rd - Amazing opportunity for 4 Huntwood Dr - New to the market! Lovown a quaint cottage on private Friends Lake!

An amazingly priced home for a year round resident or those looking for a second home. Turn key, fully furnished & ready for you to move in!

A meticulously maintained beach and boat slip are just a few of the high points. Wood burning stove in the living room! MLS#201406777

builders! 29.1 acres with 467’ of frontage!

Opportunity to purchase an additional acre bringing total acreage to over 30 with 520’ of road frontage. Town water and sewer at the road. Zoned residential with minimum 20,000 sq ft lots. Complete engineering report available for review. MLS#201405166

ingly maintained home in Huntwood Estates boasting two stories and a beautifully finished basement. Plenty of room to spread out with a finished family room in the basement and a living room on the first floor. A recently remodeled kitchen makes entertaining a snap.

MLS#201412208

September â–

www.Life and Homes .com

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L i f e and H o m e s

Jhansi R Putta

JP REALTY

88 Hampton St, Delmar, NY 12054

EAC

Licensed Realtor

518-852-4479 jputta@aol.com

4235 River Rd Latham, NY 12110

$337,500

Nice large colonial on quiet street. Gleaming hardwood floors, first floor laundry, finished basement with rec room. 4 BR, 2.5 Baths, large eat-in kitchen, minutes to Albany. Must see! MLS#201415931

HTREE

AC E P

HTREE

SOUTHERN COMMERCIAL LLC

By providing access to both equity and debt markets, we are able to offer struc

8 Antonia Ct,rapidly Troy,changing NY 12182 $257,900 to address markets, create the optimal capital structure, acces

Nice town home culdesac.

First flof oorcomplex master suite and laundry, capital, and on enhance the value transactions.

Selecting debt, equi Finished walkout basement with rec room, bedroom, Full bath, capital can represent mostold. critical and diffi cult component of any real est minutes to hospitals.

Onlythe 9 years Must see!

MLS#201407009 requires seasoned professionals with proven track records of su

Commercial Lending Source BANK QUALITY LOANS - COMPETE WITH THE BANKS! Bank Quality! As low at 4.65% as of this week!

Quality credit deserves quality rates.

Capital Region

We can provide the needed capital to build up a borrower’s commercial property portfolio and help them attain quality credit. We’re here to help our borrower’s reach the top tier of loan programs so they can benefit from our bank quality competitive rates and terms. We offer competitive rates and terms for loans which meet bank quality guidelines.

Loan Amounts: $500,000 to $5,000,000 Property Types: Multifamily 5+ units, Mobile Home Parks, Mixed Use, Office, Retail, Lt Industrial, and Self-Storage

L i f e and H o m e s

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Lending Areas: Nationwide top 120 MSAs except AK, HI, ND, SD Amortization: Up to 30 years *Index: 6-Mo. LIBOR * Margin: MF 3.00% – 4.00% / Other properties 4.00-5.00% Min. Credit Score: Generally 700 (Global cash flow analysis req’d) Rate Caps: 2.00%/1.00%/5.00% lifetime * Personal Recourse: Required * Floor: Initial Rate

5 1 8 - 7 2 7 - 2 0 1 2 O R E M A I L G A RY @ L I F E A N D H O M E S . C O M 8

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Open Market Listing Service™ Albany

LifeandHomes.com For more information on any of these houses, visit www.LifeandHomes.com and type in the QSN#

Albany

$220,000

2105 Central Ave. Commercial QSN #332219

$365,000

5 Tremont Dr. 4 Bedrooms / 2.5 Baths QSN #342916

RE/MAX Park Place Dan Novak

Coldwell Banker Prime Daniela Keegan

Lic. Associate Broker

Lic R.E. Salesperson

518-588-8945

518-852-1879

realestate518@gmail.com

Albany

daniela.keegan@coldwellbankerprime.com

Altamont

$169,900

$198,800 1322 Berne-Altamont Rd.

409 Delaware Ave. 6 Bedrooms / 2.0 Baths

4 Bedrooms / 2.0 Baths

QSN #332741

QSN #344047

CCS Realty Group Patrick Seeberger

Miranda Real Estate Group Inc. Christina Center

Lic. R.E. Broker

Lic R.E. Salesperson

518-573-2943

518-573-5635

pat@ccsrealtygroupllc.com

Albany

ccentermrg@gmail.com

Altamont

$207,000

30 Pinehurst Ave.

$362,800

203 Witter Rd.

3 Bedrooms / 1.5 Baths

3 Bedrooms / 2.0 Baths

QSN #345859

QSN #344048

Brokers Network Louise Giuliano

Miranda Real Estate Group Inc. Christina Center

Lic. Associate Broker

Lic R.E. Salesperson

518-470-4877

518-573-5635

amerasia@nycap.rr.com

Albany

ccentermrg@gmail.com

Altamont

$149,900

352 State St., Unit 2A

$579,800

1160 Berne Altamont Rd.

2 Bedrooms / 1.5 Baths

6 Bedrooms / 10.0 Baths

QSN #341160

QSN #343816

Donna Neary-Hart

Miranda Real Estate Group Inc. Christina Center

Lic R.E. Salesperson

Lic R.E. Salesperson

Capital Tech Real Estate Group LLC

518-339-4733

518-573-5635

dnearyhart@nycap.rr.com

Albany

ccentermrg@gmail.com

Altamont

$219,900

135 Albany Shaker Rd. 3 Bedrooms / 1.5 Baths QSN #343438

4 Bedrooms / 1.5 Baths QSN #342099

Clancy Real Estate Kevin Clancy

RE/MAX Park Place Dan Novak

Lic RE Broker/Owner

Lic. Associate Broker

518-861-7016

518-588-8945

Kevin@ClancyRealEstate.com

realestate518@gmail.com

Patrick Seeberger Licensed Real Estate Broker/Owner

List with me for a Free Home Staging Consultation, home staging is one of the most effective tools you can use to sell your home for top dollar!

pat@ccsrealtygroupllc.com

daniela.keegan@coldwellbankerprime.com 1801 Western Ave Albany, NY 12203

www.TironiOne.com

Where a handshake still counts!

Brian T. Neary Licensed Real Estate Salesperson

27 Dormie Ave Mechanicville, NY 12118 (C)

518-573-4287 (O)518-664-5848

FHdogman@gmail.com

Rates as low as 3.5%

CCS

Realty Group 36 Blue Jay Way Rexford, NY 12148

www.Life and Homes .com

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L i f e and H o m e s

Licensed Real Estate Salesperson Accredited Staging Professional®

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(518) 573-2943

September

Daniela Keegan 518-852-1879

$184,900

4861 Western Turnpike

WORKING WITH AN INDEPENDENT AGENT The average insurance policy is several pages long. It’s full

of legal language that can state coverage on one page, only to

take it back three pages later. Insurance is an excellent way to manage financial risk, but it’s also a significant investment.

So many coverage details need explaining to the average buyer.

That’s why it’s so important to work with an independent insurance agent.

You may not realize it, but a variety of people can sell you

a policy, and you are not always their sole concern. Captive

Independent agents:

• Provide personalized face-to-face service; • Offer a choice of insurance products from different companies;

• Give objective advice, because we are not employed by any one insurance company; • Shop around for the best coverage, at the best price;

• Can access specialized coverages for unique needs; • Are thoroughly trained to help consumers make complex insurance decisions; • Can make sure claims get settled quickly and fairly; and

• Live in your community and support local efforts.

agents can only sell you coverage from a single company,

even if another insurer has a better policy for your situation.

Internet and 800-numbers don’t even offer agent services;

you’re on your own to sort through their policies and try to

select the one that’s right for you. Then, if you have a claim, it’s just you against the company.

Only an independent agent offers the choice and service that

ensures you get the coverage you need at a price you can afford.

The Connors Agency “Insurance since 1955”

40 North Central Avenue, PO Box 71, Mechanicville, NY 12118 Phone: (518) 664-7307 • Toll-Free: (800) 246-8731 info@connorsgroup.com

Greg Connors

Connors-Howard Realty, Inc. 40 North Central Avenue, Mechanicville, NY 12118

Capital Region

Phone: (518) 664-5804 Toll-Free: (800) 246-8731 info@connorsgroup.com

L i f e and H o m e s

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325 Park Ave., Mechanicville, NY 12118

Business, Office Plus/Retail, Office, Mixed Use. Former Superfund site; building is masonry (brick,block) with new roofind structure and front entranceway of vinyl/frame construction. Built on concrete slab; currently vancant (shell inside). Public water and sewer. Sub-slab ventilation system installed; building occupancy permitted by DEC. No digging restrictions. Excellent location for professional office or start up business. Great value. No long or short term lease considered. Sale only. MLS# 201031277

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

200 Saratoga Avenue, Mechanicville, NY 12118 Great investment opportunity. Brick exterior and slate roof, well maintained. Additional building lot may be sub-divided for additional income opportunities. 1st floor currently vacant and ready for immediate occupancy. 1st floor furnace and hot water tank new in 2011. Separate utilities for each unit. Some interior cosmetic upgrades needed. Great for first time investor. MLS# 201403820

the connors group

Open Market Listing Service™ Clifton Park

LifeandHomes.com For more information on any of these houses, visit www.LifeandHomes.com and type in the QSN#

Guilderland

$249,000

4 Huntwood Dr.

$239,800

1153 Meadowdale Rd.

3 Bedrooms / 1.0 Baths

4 Bedrooms / 1.5 Baths

QSN #345445

QSN #336956

Realty USA Vincent Forbes

Miranda Real Estate Group Inc. Christina Center

Lic. RE Salesperson

Lic R.E. Salesperson

212-375-9011

518-573-5635

vforbes@realtyusa.com

Clifton Park

ccentermrg@gmail.com

Loudonville

$279,900

$459,000 14 Loudon Heights North

92 Werner Rd. 3 Bedrooms / 2.5 Baths QSN #340850

5 Bedrooms / 4.1 Baths QSN #340649

Tironi One Realty Brian T. Neary

Realty USA Martha P. Chamberlin

Lic R.E. Salesperson

Lic. R.E. Broker

518-573-4287

518-441-7030

FHdogman@gmail.com

Cohoes

mchamberlin123@gmail.com

Loudonville

$157,500

4 Ziemke Farm Lane

$1,600,000

2 East Ridge Rd.

3 Bedrooms / 1.1 Baths

4 Bedrooms / 4.2 Baths

QSN #340854

QSN #344050

Realty USA Rachel Derikart

Realty USA Martha P. Chamberlin

Lic R.E. Salesperson

Lic. R.E. Broker

518-542-6070

518-441-7030

rderikart@realtyusa.com

Colonie

mchamberlin123@gmail.com

Loudonville

$1,100

1719 Central Avenue

11 Fairview Rd.

Commercial QSN #338214

$548,900

4 Bedrooms / 4.0 Baths QSN #340650

Brokers Network Louise Giuliano

Realty USA Martha P. Chamberlin

Lic. Associate Broker

Lic. R.E. Broker

518-470-4877

518-441-7030

amerasia@nycap.rr.com

Glens Falls

mchamberlin123@gmail.com

Malta

$139,500

50 Geer Street

$147,900

83 Wake Robin Rd.

5 Bedrooms / 1.1 Baths

2 Bedrooms / 1.5 Baths

QSN #345440

QSN #345618

Realty USA Vincent Forbes Lic. RE Salesperson

Lic. R.E. Broker

212-375-9011

518-573-2943

vforbes@realtyusa.com

Licensed Real Estate Agent

(518) 545-5984 dnearyhart@nycap.rr.com

donnanearyhart.com

• Gutters & Leaf Guards Installed • 24 Hour Snow/Ice Emergency Service • Will Cut for Do-It-Yourselfers • Commercial/Residential • Existing Gutters Repaired & Cleaned • Soffit & Fascia Repairs • Drywell & Drains Installed • Open Year Round • Guaranteed • Installation Within 10 Business Days

5&6” Gutters • FULLY INSURED

Owner: Scott Tynon

Serving Saratoga, Warren & Washington Counties

SCOTT ENTERPRISES FREE

ESTIMATES!

518-745-4356 Entering Our 15th Year!

Louise Giuliano

CCIM, Licensed Associate Real Estate Broker Director of Commercial, Investment & International Real Estate

2122 Orchard Park Drive Niskayuna, NY 12309

Office: 518-952-0665 Mobile:518-470-4877 email: amerasia@nycap.rr.com www.Life and Homes .com

11

L i f e and H o m e s

Donna Neary-Hart

QUEENSBURY SEAMLESS GUTTERS, LLC

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I can help guide you through all aspects of the sale and purchase of a home from beginning to end, helping you avoid the stumbling blocks that can arise through the process.

pat@ccsrealtygroupllc.com

September

Capital Tech Real Estate Group LLC 35 Mountain Way Troy, NY 12182

CCS Realty Group Patrick Seeberger

HOGWASH CLEANING SERVICES 24 BIRCHWOOD AVE. HUDSON FALLS, NY, 12839

518-791-5811

www.hogwashcleaners.com andrew@hogwashcleaners.com Free Estimates • Free Demos SOFT WASHING • ROOF CLEANING • LANDSCAPING • WINDOW CLEANING • SNOW REMOVAL

If you are looking for the perfect company to perform those exterior

cleaning services in Upstate NY, you won’t find a company with a better track record than Hogwash Cleaning Solutions. We make your life easy by providing you with cost saving benefits for your exterior soft washing or lawn and landscape projects. We have a friendly staff, years of experience, commercial grade equipment and the knowledge to get the job done right the first time. We service the entire Tri-state

area (Clifton Park, Saratoga, Lake George).

! s m u Vacu Air Purifiers

Including Central Vacuum Systems

Uprights

Capital Region

Canisters

Repairs • Supplies •Sales All Makes & Models

SAME AS CASH (For Qualified Customers)

Since 1924, the name Electrolux has been synonymous with the best floorcare in homes throughout North America. When it was introduced, its unique design became the standard of excellence overnight. Now we are Aerus and we continue that tradition of quality in our healthy home products.

FREE Vacuum Service Check $39 Value All Makes & Models Including Central Vac Systems. FREE Pickup & Delivery.

No Cash Value. Expires 9/30/2014

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L i f e and H o m e s

12 Months No Interest

1770 Central Ave Village Square 797 Glenn St Colonie, NY 12205 Queensbury, NY 12804

(518) 608-5670

(518) 792-3196

Come and see LIVE DEMOS of the Guardian & Laundry Pro at The New York State Fair!

August 21 - September 1 • NYS Fairgrounds • Syracuse, NY 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 .

CASH FOR CLUNKERS Up to $500 Trade In Allowance Visit Store for Details

No Cash Value. Expires 9/30/2014

Open Market Listing Service™ Malta

LifeandHomes.com For more information on any of these houses, visit www.LifeandHomes.com and type in the QSN#

$142,900

75 Pepperbush Place

Moreau

$449,900

11 Macory Way

2 Bedrooms / 2.0 Baths

3 Bedrooms / 2.5 Baths

QSN #332739

QSN #340145

CCS Realty Group Patrick Seeberger

Realty USA Scott Varley

Lic. R.E. Broker

Lic. Associate Broker

518-573-2943

518-583-SCOT

pat@ccsrealtygroupllc.com

Mechanicville

svarley@realtyusa.com

$174,900

420 Park Ave.

Niskayuna

$293,500

1725 Union St.

5 Bedrooms / 2.5 Baths QSN #340851

Commercial

Tironi One Realty Brian T. Neary

QSN #338061

Brokers Network Louise Giuliano

Lic R.E. Salesperson

Lic. Associate Broker

518-573-4287

518-470-4877

FHdogman@gmail.com

Mechanicville

$229,900

25 Dormie Ave.

amerasia@nycap.rr.com

Niskayuna

$265,000

23 Cheshire Place

3 Bedrooms / 2.0 Baths QSN #343869

4 Bedrooms / 2.1 Baths

Tironi One Realty Brian T. Neary

QSN #344473

Realty USA Rachel Derikart

Lic R.E. Salesperson

Lic R.E. Salesperson

518-573-4287

518-542-6070

FHdogman@gmail.com

Menands

$990,000

7 Edgewood Cir.

rderikart@realtyusa.com

Niskayuna

$339,900

10 Reilly Way

5 Bedrooms / 5.1 Baths

3 Bedrooms / 2.0 Baths

QSN #344051

QSN #329440

Realty USA Martha P. Chamberlin

Realty USA Rachel Derikart

Lic. R.E. Broker

Lic R.E. Salesperson

518-441-7030

518-542-6070

mchamberlin123@gmail.com

Menands

rderikart@realtyusa.com

$1,950,000

2 Edgewood Cirle

Pittstown

4 Bedrooms / 6.0 Baths

Land or Lot

QSN #337135

QSN #340852

Realty USA Martha P. Chamberlin Lic. R.E. Broker

518-573-4287

mchamberlin123@gmail.com

FHdogman@gmail.com

Protect your biggest investment with a Home Inspection

NYS License Home Inspector Lic# 16000005522 • NYS Certified Pest Inspector #T5685318 NYS Certified Home Inspector Instructor • Instructor & Owner of Clifton Park Home Inspection Training Center (Affiliated with Askus) • NYS Certified Code Officer Associations: President of Local Chapter of NACHI • Member of NYSBOC

With my home inspections you will receive a good professional inspection.

Associate Broker/ Seller Listing Agent

(518) 588-8945

REALESTATE518@gmail.com The most money you can get, as quickly as you can get it, with the fewest problems possible.

RE/MAX Park Place 1795 Route 9, Clifton Park, NY 12065 (518) 383-8300

Serving Guilderland & Beyond. www.Life and Homes .com

13

L i f e and H o m e s

20 Aviation Rd Albany, NY 12205

158 Woodin Rd, Clifton Park, NY 12065 (518)371-7944 • Fax: (518)348-0878 NYS License# 16000005522

Daniel Novak

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Cell: (518)542-6070

Serving the Capital District since 1993

Dan the Man with the Home Sale Plan

September

The Maryellen Blair Team

V.S.I. LLC Visual Structural Inspections

RDerikart@RealtyUSA.com

Tironi One Realty Brian T. Neary Lic R.E. Salesperson

518-441-7030

Rachel Derikart Licensed Real Estate Salesperson

$72,000

21 Aiken Lane

Elegant l y e t S t r o Condominiums s e R Imagine your elegant condominium tucked into this quaint community.

With all the benefits of resort style

G U I L D E R L A N D

living, you’ll find downsizing can become upscale living.

14 Bavarian Way, Guilderland

These elegant two bedroom condominiums feature: • Super Low Taxes • Low HOA • Maintenance Free for Active Adults 55+ • Resort Style Club House featuring inground pool, exercise room, theater & more

STARTING AT

Capital Region

$279,900

L i f e and H o m e s

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For amenities, floor plans and details, visit www.MillHollow.info

Call Lisa Osher for Tour 518-495-9095 (C) model Home Hours tuesday & thursday 2-6, sunday 1-4 Rt 20 Western Ave to French's Mill Road, 1st Left on Bavarian Way A B U C K C O N S T R U C T I O N A F F I L I AT E

14

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

Open Market Listing Service™ Queensburry

LifeandHomes.com For more information on any of these houses, visit www.LifeandHomes.com and type in the QSN#

Schodack

$350,000

20 Main Street Commercial QSN #338640

$289,900

1725 South Old Post Rd. 4 Bedrooms / 3.0 Baths QSN #332740

Brokers Network Louise Giuliano

CCS Realty Group Patrick Seeberger

Lic. Associate Broker

Lic. R.E. Broker

518-470-4877

518-573-2943

amerasia@nycap.rr.com

Rotterdam

pat@ccsrealtygroupllc.com

Troy

$75,900

322 East Campbell Rd.

$149,900

13 Heyden Road

3 Bedrooms / 1.0 Baths

2 Bedrooms / 1.0 Baths

QSN #332215

QSN #340853

RE/MAX Park Place Dan Novak

Realty USA Rachel Derikart

Lic. Associate Broker

Lic R.E. Salesperson

518-588-8945

518-542-6070

realestate518@gmail.com

Saratoga Springs

rderikart@realtyusa.com

Albany

$1,000,000

7 Joshua Road

$89,900

102.5 Ontario St.

4 Bedrooms / 3.1 Baths

2 Bedrooms / 2.0 Baths

QSN #340146

QSN #326692

Realty USA Scott Varley

Capital Tech Real Estate Group LLC

Donna Neary-Hart

Lic. Associate Broker

Lic R.E. Salesperson

518-583-SCOT

518-339-4733

svarley@realtyusa.com

Schenectady

dnearyhart@nycap.rr.com

Watervliet

$135,000

1837 Van Vranken Ave.

15 14th St.

Commercial QSN #338060

3 Bedrooms / 2.0 Baths QSN #341159

Brokers Network Louise Giuliano

Capital Tech Real Estate Group LLC

Donna Neary-Hart

Lic. Associate Broker

Lic R.E. Salesperson

518-470-4877

518-339-4733

amerasia@nycap.rr.com

dnearyhart@nycap.rr.com

Schenectady

$10 Sheridan Plaza - 1338 Gerling St.

Glens Falls

Commercial

Multi Family

QSN #338639

$149,900

QSN #346128

Brokers Network Louise Giuliano

Capital Tech Real Estate Group LLC Linda Marcella

Lic. Associate Broker

Lic RE Owner/ Broker

518-470-4877

518-623-5030

amerasia@nycap.rr.com

linda@adirondackrealestate.biz

$579,800

Extraordinary Historic Stone Colonial on 2.6 Acres in Altamont

Featured Property

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Journey up the drive to see this gorgeous 5,000 sq. ft. stone colonial situated atop 2.6 private acres surrounded by a serene nature setting, yet only a 30 minute drive to Albany. This generous sized home with six bedrooms, seven full and three partial baths, is still able to maintain that cozy feel and charm. Recent updates and extensive renovations allow this gorgeous house to provide modern amenities while maintaining its’ historic charm. Curl up by the fire, take a dip in the inground pool or sip your tea while sitting on the front porch, or one of two verandas overlooking the Helderbergs, Berkshires & Green Mts. Low Taxes! Award winning Guilderland schools. This home has it all!

Christy Center Licensed Salesperson

518-573-5635 ccentermrg@gmail.com www.Life and Homes .com

15

L i f e and H o m e s

WWW.1160BERNEALTAMONTRD.NET | MLS# 201412908

September

1160 Berne-Altamont Rd., Altamont, NY

$129,900

37 New St.

PAY FOR

POWER NOT

Gary Ziele

Field Energy Consultant 6 Vatrano Road • Albany, NY 12205

Phone 518.727.2012

Email gziele@solarcity.com

L i f e and H o m e s

■

Capital Region

© 2014 SolarCity Corporation. All rights reserved. A solar power system is customized for your home, so pricing and savings vary based on location, system size, government rebates and local utility rates. Savings on your total electricity costs is not guaranteed. Financing terms vary by location and are not available in all areas. $0 due upon contract signing. No security deposit required. A 3 kW system starts at $25ñ$100 per month with an annual increase of 02.9% each year for 20 years, on approved credit.

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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 .

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