Life and Homes Capital Region by Stephen Lisi

Capital Region Central NY

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January April 2 2010 015

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Welcome Moving Forward

Life and

Is buying or selling a home in your plans or dreams for the coming year? If so, housing projections for 2015 are spelling out some promising news. The Home Buying Institute predicts home values will slowly continue to rise and they expect mortgage rates to hover below 5% for most of the coming year. RealtyTrac suggests we can expect to see a continued decrease in foreclosures and the reduction of distressed inventory will continue to help life and sustain real estate values. We invite you to browse through this issue and visit us online at LifeandHomes.com today and throughout the coming year for the best local real estate offerings, local business services and a wealth of helpful

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real estate related information. Visit LifeandHomes.com for weekly Open House dates and times and new to the market listings. Be sure to contact the Realtors and business owners who work with LifeandHomes™ for answers to your real estate and home related questions. Their expertise

Homes Capital Region, NY Edition

Publication Manager Account Executive Joel Siegfried, RMC 315-796-2258 JoelS@LifeandHomes.com Published By Capital Region LifeandHomes David Lisi, Owner 315-865-5845 David@LifeandHomes.com

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Corporate Office Davi d Lisi , O WNER 315-865-5845 David@LifeandHomes.com

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How To Purchase Your First Home In 2015

newsShorts

rate. Don’t forget to consider the other costs of homeownership, such as taxes, insurance and utilities.

The American dream of homeownership may not be as hard to attain as many people seem to fear. A few intriguing facts and hints can help.

• Identify your housing wish list. Although 46 percent of first-time buyers got a single-family home in the suburbs, you may prefer a condo in an urban environment near public transportation.

The Facts

Regardless of your preferences, identifying and sharing your wish list can help your Realtor focus on the right home for you, scan listings and connect with those who represent sellers to zero in on homes for sale that meet your budget and criteria.

While existing home sales have risen recently, the National Association of Realtors’ annual Profile of Home Buyers and Sellers found that the share of first-time buyers recently fell to its lowest level (33 percent) in nearly three decades. Many first-time buyers experience obstacles on the path to homeownership, including difficulty saving for a down payment and tight credit conditions.

The Hints • Find and work with an expert Realtor who knows the neighborhood. Nothing can replace the local knowledge and real insight that professional Realtors can provide to first-time buyers as they navigate the complex home buying process. According to the Profile of Home Buyers and Sellers, while most home buyers in the past year began their home search online, 90 percent ended up purchasing their home through an agent. Realtors are not only the source of online real estate data, they also use their unparalleled local market knowledge and resources to help close the deal for buyers and sellers. • Meet with a lender to determine how much you can afford. Last year, the median price a first-time buyer spent on a home was $169,000. Chances are, you don’t have that amount of cash lying around. That’s why 95 percent of first-time buyers who bought a home in the past year financed their purchase. Find out what you can afford with a preapproval from a lender. A lender will check your credit history, current debt obligations and other expenses to determine the amount of money you’re qualified to borrow at a specific interest

Keep this advice in mind and you may soon find yourself waking up in the home of your dreams. (NAPSI)

Make 2015 Your Year to Improve Financial Fitness Lose weight, quit smoking, find a new job and get out of debt…does this sound familiar? Millions of Americans will resolve to change their lives in the New Year, but few will stick with their goals. In fact, a recent survey by the National Endowment for Financial Education (NEFE) finds six in 10 people will strive to improve their financial well-being in 2015. Changing your financial habits is a resolution you cannot afford to overlook. It’s time to flex your financial muscle. The experts at the nonprofit National Endowment for Financial Education offer these seven tips to help make your financial resolutions stick: Do it now. Many will wait until they feel the time is right to begin new behaviors. If you wait until after the big party to start watching your diet, or until after that big purchase to start saving money, the ideal time will never present itself. Write down your financial resolutions. The NEFE survey finds setting a budget, making a plan to get out of debt, and boosting retirement savings

are the top priorities for Americans in the coming year. Clearly articulate why you think your resolution is a good idea, steps you can take to reach your goal, and what you hope to gain. Post your list where you will see it each day. Identify your money morals. Understanding your values and attitudes about money will bring clarity to the decision-making process. NEFE offers various online tools, such as the LifeValues Quiz, which will help you identify your values and make resolutions based on those values. You can find the LifeValues Quiz at SmartAboutMoney.org. Recruit a “financial buddy.” Share your resolutions with a trusted family member or friend who can provide support in helping you meet your financial goals. Find someone who will hold you accountable and will set a good example for you to follow. Vary goal intensity. Give yourself a short-term objective such as paying more than the minimum on one credit card this month. A long-term goal could be setting up – and adding to – the emergency savings account you know you should have but didn’t get around to starting last year. Monitor your progress regularly. If you are trying to reduce debt, make sure you check your balances often. Set aside a couple of hours each week to address your finances. Over time this will become second nature and part of your normal routine. Address conflict logically. If you find yourself breaking a financial goal by reverting to old spending habits, identify what value might be causing you to stray and take the time to ask yourself if the decision is appropriate given your current financial situation. For help with setting goals and getting your finances in order in 2015, visit www.SmartAboutMoney.org. (Family Features) A whopping 89 percent of buyers start their home search online. How your house looks online is the modern equivalent of ‘curb appeal.’ Rent a wideangle lens and good lighting, get rid of your clutter and post at least eight great photos to win the beauty contest. - Barbara Corcoran January

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Choosing Stain Color

newsShorts

When it comes to giving your home natural warmth and beauty, few things compare to wood which is surprisingly flexible when it comes to color.

lightly sand away the top layer in different spots and then protect the piece with a clear finish. See the Minwax Pinterestboard “Distressed Furniture Projects” for more information. (NAPSI)

Whether you’re refinishing your floors or cabinets, restoring a fine piece of furniture or creating a new look distressing an existing piece, wood stain can enhance the beauty of the wood and add to your style. From traditional colors such as walnut or oak, to trendy espresso or weathered gray, you can choose from a variety of wood stains or create your own custom colors by mixing stains. The experts at the MinwaxCompany have tips to help: • Each species of wood accepts stain differently. A dark walnut stain will look different on pine than on cherry. Test the stain on an inconspicuous area of the wood first to see the true color. • Use a pre-stain wood conditioner to prevent streaks and blotches and ensure the wood absorbs the stain evenly. • For beautiful, even color, thoroughly stir—not shake—the can to distribute pigments that may have settled on the bottom. • If you create a custom color, measure each shade carefully and write it down so you can re-create it. • For an antique or distressed look, layer lighter and darker stain colors. Once the stain has dried,

6 Steps For Choosing the Best Remodeling Contractor Considering remodeling? A remodeling project is one of the most invigorating lifestyle changes a homeowner can make. Spare your time, money and sanity by following these steps for choosing the best remodeling contractor: 1. Decide what you want out of your newly remodeled home. Idea centers, such as Houzz or the James Hardie Photo Showcase, can serve as inspiration for kick-starting your remodeling project. 2. Ask for advice. Talk to friends, relatives, neighbors and coworkers about their remodeling experiences. In addition to collecting referrals, ask targeted questions about how those contractors communicated throughout the process and mitigated any setbacks. If you know a building inspector, ask which contractors regularly meet code requirements. 3. Research and contact businesses. Start gathering information on your referrals and local prospects by visiting their websites or making phone calls. Make sure these remodeling contractors have the required licenses, liability insurance and ability to obtain local permits for your project.

For exterior remodeling, the James Hardie Building Products website includes a contractor locator tool homeowners can use to search for reputable contractors. The Better Business Bureau also issues warnings about those that might not be trustworthy. Through your research, select three to five potential contractors. 4. After identifying your top candidates, schedule face-to-face meetings with each to discuss your project. Ask questions and make sure communication is fluid and straight-forward. How many projects does the contractor handle at one time? Are his or her past projects similar in scope to yours? More of these questions can be found at the James Hardie Hire a Pro resource center. If you find a particular meeting goes especially well, ask for references and a bid on your project. 5. Compare bids and references. When contacting references, ask them to rate their satisfaction with the project. Did the contractor meet time and budget requirements? As soon as the bids come in, look at the cost breakdown of labor and building materials. The best contractor is not always the cheapest. Make sure contractors are choosing long-lasting products that will stand the test of time. 6. Choose your contractor and sign a contract. With all of your research on hand, select the best contractor for your project. After confirming with the contractor, draw up a contract that includes a description of the work, products to be used, cost and completion dates and let the project begin. (BPT)

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CMN Real Estate

1510 Central Ave #380 Albany NY 12205

518-456-7140 • www.cmnre.com

Colonie

$644,900

Why go through the hassle of building? It’s already been done for you - JUST MOVE IN! Custom Amedore “Estate Series”home located in the beautiful Parkside Estates Community. This home is centered on the cul-de-sac and only three years old. It is like new construction, without all of the headaches!

Glens Falls

$349,900

Beautiful restoredVictorian Mansion with 5 elegant apartments. Apartment building is located in historic downtown Glens Falls. Great investor property with a very good cash flow. Building has efficient steam heat and a newer furnace. Excellent amenities are included for the tenants -Wi-Fi, Laundry Room, and plenty of parking.

Troy

$289,900

Unit 9: 1st fl/side 1BR 1 BA $575. 2000 Sq FT Garage/Carriage House $300.00 (discounted for services for owner). Tax estimates based new, lower assessment(Troy reassessment) Unit 3 needs work.Est. for repairs 13-18K(price based on work to be completed). Many updates over the past few years including a new roof and windows.

Schodack

$257,500

Move right in to this beautiful 3 bedroom, 2 1/2 bath home nestled on 1.26 acres in East Greenbush Schools, beautiful kitchen with space for entertaining your guests. in ground heated swimming pool, outside deck for many relaxing evenings under the stars, wood burning fire place for those cool nights, full basement with 9 ft ceilings.

Troy

$184,500

Welcome Home. Lower level is brand new, adding a Family room, Den, half bath and laundry area. Newer Driveway, A/C, roof and furnace. refinished Hardwood floors throughout the Main living level. New insulation in the attic, and added to the walls. resurfaced garage floor and front steps.

Other Listings Albany • 27 Tremont St • $109,900 • MLS#201423358 Cohoes • 74 Columbia St • $104,500 • MLS#201421434 Schenectady • 409 Plymouth Ave • $97,499 • MLS#201413889 Schenectady • 364 Bradford Rd • $79,900 • MLS#201413523 Schenectady • 22 Harvard St • $76,900 • MLS#201414650

Averill Park

$183,900

Move right in to this charming 3 bedroom, 1 bath Ranch located in Averill Park, in Averill Park Schools, near three beautiful lakes, beach access to Crooked Lake, find peace nestled back in your own private, landscaped hideaway, fenced in yard, stainless steel appliances, hardwood floors, Low Taxes.

Rotterdam

$145,000

Large Home on 1.47 cleared Acres. Original woodwork, stained glass windows & hardwood floors give this home a lot of charm. It like a park in your backyard, which includes an above ground pool, horseshoe pit, fireplace and swing set and deck. Possible Short Sale…Process started with the bank.

Troy

$125,000

Move right in to this cozy 2 story, 3-4 bedroom, 1 bath home in Lansingburgh Schools, walking distance to school and public pool, hard wood floors, spacious front porch, back deck for entertaining family and friends, beautiful perennial beds in front and back. storage sheds, fenced yard, new carpet and fresh paint.

Rensselaer

$119,900

Move Right In To This Spacious 3 Bedroom, 2 1/2 Bath 2 Story Home in North Troy, Located In Lansingburgh Schools, Enjoy Many Nights On Your Beautiful Back Deck With Family and Friends or Just Enjoying The Stars, Room For Oﬀ Street Parking In Back, Fenced In Yard, New Siding/2007, New Roof/2009.

Castleton • Rt 9• $70,000 • MLS#201422248 Cohoes • 7 Amity St • $58,500 • MLS#201419024

Over 30 Years of Experience!

Maryellen Blair Licensed Associate Real Estate Broker

Cell: (518)469-6169

Rachel Derikart Licensed Real Estate Salesperson

Cell: (518)542-6070 RDerikart@RealtyUSA.com

20 Aviation Rd Albany, NY 12205

January

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Coldwell Banker Prime Properties

Loudonville Ofﬁce 433 Loudon Rd, Loudonville, NY 12211 Call: 518.427.9000 Web: ColdwellBankerPrime.com The Capital Region’s Foremost Real Estate Authority.

Denise Arnold 640-4401

Albany

$50,500 Amsterdam

123 Spring St. Great investment opportunity. 7 stall garage. In the heart of the student housing. Rent by the month, the semester, the year. Fully Rented, low maintenance, newer roof and garage doors. Bill Kellert 640-4442

$55,000 Rennsselaer

63 Pulaski St. Solid home on a quiet dead end street with stunning panoramic views of Amsterdam. Updated furnace, hot water heater and roof. Spacious rooms and wonderful potential at a very aﬀordable price! Charles Tom Nightingale 640-4420

$59,900 Troy

262 Algonquin Beach Rd. 2.1 acres approved building lot in Algonquin Estates. Cleared field, ready for building. Close to shopping, restaurants, 15 minutes to Albany. Nicholas Testo 640-4404

$115,900 Troy

$142,000

40 117th St. Move right in to this charming 3 bedroom 1 ½ bath home. 3 zone heat, updated electric, private fenced double lot. Chock full of upgrades. Dodie Esposito 640-4452

416 Mohawk Ave. This home’s charm speaks volumes. From the cozy front porch to the private tiered yard, this property is packed w/ style & flair. Black & stainless appliances in the kitchen, hardwood floors throughout, gas fireplace & tons of storage. Christopher Culihan 640-4419

Heather Bayly 640-4417

Andrea Burr 640-4407

Albany

$162,500 Troy

$173,900 Niskayuna

$179,900 Colonie

$209,900 Albany

$225,000

Latham

$225,900 Troy

$229,000 Albany

$259,900 Albany

$295,000 Ballston Lake

$298,900

11 Oakwood St. Charming 3 bed, 1 ½ bath colonial just oﬀ New Scotland Ave., between St. Peters Hospital & Albany Medical Center. Convenient walk to places of worship. Natural woodwork & hardwoods throughout, beautiful gardens. Denise Arnold 640-4401

8 Fremont La. Well cared for, single owner home, nestled on a quiet side street. Newer kitchen, fenced yard, screened porch, deck, freshly painted, just move right in! Dodie Esposito 640-4452

17 Troy Place Charming spacious Cape Cod 4 bedroom home in the award winning Niskayuna School District awaits the lucky home owner. Large scale family room, private yard perfect for entertaining year round.Walk to all the stores along Union St. Rosemarie Durant 640-4427

4 St. Thomas La. Upgraded split in a great neighborhood with Colonie schools. Recently replaced kitchen cabinets, tiled backsplash, granite counters, tiled floor, hardwood floors, new roof, bedroom windows, and so much more. May Anne Hess 640-4415

181 Lancaster St. Urban sophistication at its finest. Impressive townhome has been updated and improved from top to bottom. New boiler, resurfaced roof, appliances and granite counters. Skylight, office nook and the perfect layout for entertaining too! Andrea Burr 640-4407

Elizabeth Brown-Goyette 640-4431

20 Meadowbrook Rd. Light and bright set the tone for this 3 bed, 1 ½ bath raised ranch. New vinyl windows, corian counters, tumbled marble kitchen backsplash, freshly painted throughout, very private corner lot, North Colonie Schools. Mary Anne Hess 640-4415

16 Michigan Ave. Lovely 4 bedroom 1 ½ bath colonial just minutes from RPI and Samaritan Hospital. Large fenced yard, double lot, upgraded kitchen with stainless appliances and Calif. Closeted pantry, working wood fireplace. Elizabeth C. O’Haire 640-4436

30 Governor Circle Beautiful 2 bedroom and den, 2 bath, high end condo, loaded with upgrades, cherry wood cabinetry, crown molding, ceramic tile, deck, and best of all, live maintenance free. Gregory Tobin 640-4455

9 Woodlawn Ave. Classic Pine HillsVictorian Multi Unit.Wonderful large first floor unit, could be owner occ., Second floor, 2, 1 bedroom units. Off street parking, easy walk to Albany Med. Rents to the university community. Gregory Tobin 640-4455

51 Shadow Wood Way Beautiful well maintained, 4 bedroom 2 ½ bath classic colonial minutes to Global Foundries, walking distance to beautiful nature trails. New Anderson windows, remodeled baths and kitchen, hardwood floors. Dodie Esposito 640-4452

Christopher Culihan 640-4419

Peter Luzinas

Office Manager 640-4409

Maribeth Duclos 640-4412

LifeandHomes ■ Capital Region

Rosemarie Durant 640-4427

Dodie Esposito 640-4452

Jeanne Fitzgerald 640-4422

Christine Glogowski 640-4463

Wayne Glogowski 640-4464

Happy Holidays from Our Houses to Your Home!

Nassau

$299,900 Loudonville

15 Reno Rd. Privacy on over 2 acres, open concept living and everything is completely ready for you to move into. Ceramic tile, hardwood floors stainless appliances, finished walkout lower level, great deck and additional garage and storage shed. Christopher Culihan 640-4419

$304,900 Johnsburg

18 Loudonwood East Dr. Enjoy living in this stand alone home with all the advantages of condo life! Large deck overlooking the pond, swimming in the well maintained complex pool or enjoy a game of tennis on the property’s courts. Christine Richardson 640-4462

$349,900 Niskayuna

40 Birch Mountain Rd. Ready for your own Adirondack retreat? Gorgeous contemporary home in desirable Garnet Hills locale in the heart of the Adirondack Mountains.Year round access, private beach on the 13th lake, 4 bedrooms, 2 ½ baths. Maribeth Duclos 640-4412

Greg Tobin

$349,900

640-4455

1162 Godfrey La. Come inside & relax by the gas fp in the living rm. Beautiful hardwood floors throughout, spacious 5 bedroom-2 full, 2 half baths. Freshly painted-updated bathrooms-granite countertops, stainless steel appliances. Jean Mosher 640-4421

Nick Testo 640-4404

Loudonville

$385,000 Latham

45 Cheshire Way Carriage home in popular East Hills, oﬀers bright open floor plan, high ceilings, hardwood floors, fabulous screened porch, private lot. Fresh and ready to go! Fabulous value! Andrea Burr 640-4407

$399,900 Loudonville

9 Shereen La. Picture perfect home with gourmet kitchen, possible 1st floor in law suite, 1st or 2nd floor masters, stone patio, magnificent landscaping, in ground heated pool, new furnace, security system, Southgate Elementary school. Jeanne Fitzgerald 640-4422

$410,000 Niskayuna

6 Guilder Ct. Just reduced, move right in to this stunning custom built home on a private cul-de-sac, in the exclusive East Hills community. Sumptuous 1st floor master suite, glorious year round sun room, stunning perennial gardens, large rooms. Maribeth Duclos 640-4412

$469,900 Latham

48 Empire Dr. Gorgeous 3 yr. young Marini built home with open floor plan, spacious kitchen with Cherry cabinets and stainless appliances, hardwood floors custom built enclosed porch with marine grade hardwood floors, 2nd flr. laundry. Eileen Heim 640-4440

$485,500

169 Old Niskayuna Rd. On the Loudonville Latham border, custom colonial offers 5 bedrooms, 2 full and 2 ½ baths. Open floor plan, 2 story foyer, 3 season room with gas fireplace, patio with hot tub, just minutes from the airport,Wolf Road, Rt. 9. Mary Anne Hess 640-4415

Matt Rucinski 640-4430

Christine Richardson Troy

$549,900 Loudonville

10 Westover Rd., The Warren House… a unique opportunity to own one of historicTroy’s most renowned estate homes. Known for its unique architecture, it has withstood the test of time.Warm gracious, with a stunning layout, 6 bedrooms, 4 baths. Maribeth Duclos 640-4412

$599,900 Loudonville

8 Proctor Ct. Fabulous spacious home on 1.6 acres on a quiet cul de sac in the heart of Loudonville. Gleaming hardwoods, unique floor plan, stunning two story den, finished basement, walk out to patio. This home is chock full. Jeanne Fitzgerald 640-4422

$775,000 Menands

33 Burton La. Take a page from“Country Living”as you step inside this elegant custom built home.3900 sq. ft. of hardwood floors, beautiful moldings charm and style throughout. Stunning open floor plan, charming sun room, front and rear porches. Jeanne Fitzgerald 640-4422

$950,000 Loudonville

9 Sage Estates Remarkable custom mansion located in the Capital Region’s only gated community, The Sage Estates, with views of the Berkshire Mts. Oﬀers over 2 acres of lush tranquility and over 6000 feet of living space. Brian Marsh 640-4453

$1,395,000

640-4462

6 Stoneridge Dr. Breathtaking says it all. Custom contemporary in prestigious East Hills. Open floor plan, soaring spaces, gorgeous hardwoods, radiant heat, state of the art lighting, designer kitchen and a view from every floor of the home. Andrea Burr 640-4407

Betsy C. O’Haire 640-4436

Eileen Heim 640-4440

Mary Anne Hess 640-4415

Bill Kellert 640-4442

Karyn Long 640-4460

Justin Luzinas 640-4405

Jean Mosher Charles Tom Nightingale

Brian Marsh

640-4421

640-4453

January

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640-4420

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LifeandHomes.com

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

Albany

Open Market Listing Service™ Cohoes

$109,900

27 Tremont St

$104,500

74 Columbia St

3 Bedrooms / 1.0 Baths QSN #354374

2 Bedrooms / 2.0 Baths QSN #354375

CMN Real Estate Brent Tague

Licensed Real Estate Broker

518-456-7140

Brent@cmnre.com

Albany

Brent@cmnre.com

Colonie

$699,000

26 Tanner Circle

$644,900

16 Arborgate Ct

4 Bedrooms / 4.5 Baths

4 Bedrooms / 3.0 Baths

QSN #354316

QSN #355698

Miranda Real Estate Group Inc. Ernest Small

CMN Real Estate Brent Tague

Licensed Real Estate Salesperson

Licensed Real Estate Broker

518-281-5151

518-456-7140

esmall6752@gmail.com

Altamont

Brent@cmnre.com

Greenport

$229,900

22 Whipple Way

$174,000

40 Green Acres Rd

4 Bedrooms / 2.0 Baths

3 Bedrooms / 3.0 Baths

QSN #347830

QSN #355701

Miranda Real Estate Group Inc. Christina Center

Davala Real Estate Karen Davala

Lic R.E. Salesperson

Licensed Real Estate Broker

518-573-5635

518-755-2385

ccentermrg@gmail.com

Austerlitz

karenrealestate@yahoo.com

Hudson

$915,000

1896 County Route 9

816 Columbia St

5 Bedrooms / 4.0 Baths QSN #355699

$153,000

2 Bedrooms / 2.0 Baths QSN #355700

Davala Real Estate Karen Davala Licensed Real Estate Broker

518-755-2385

karenrealestate@yahoo.com

Charlton

karenrealestate@yahoo.com

Malta

$185,000

758 Swaggertown Rd

$140,000

73 Pepperbush Place

2 Bedrooms / 1.5 Baths

2 Bedrooms / 2.0 Baths

QSN #354310

QSN #332739

Realty USA Rachel Derikart

CCS Realty Group Patrick Seeberger

Lic R.E. Salesperson

Lic. R.E. Broker

518-542-6070

518-573-2943

rderikart@realtyusa.com

pat@ccsrealtygroupllc.com

THIS WEEKEND‘S

OPEN HOUSES

V.S.I. LLC Visual Structural Inspections Serving the Capital District since 1993

Protect your biggest investment with a Home Inspection

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

(877) 528-LAND

2547 State Route 12b Hamilton, New York 13346 10

LifeandHomes ■ Capital Region

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

LifeandHomes.com/CR-NY - Open House Info updated every Friday @ 4:30

Associations: President of Local Chapter of NACHI • Member of NYSBOC

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

Open Market Listing Service™ Niskayuna

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

Schodack

$248,000

23 Cheshire Place

$279,900

1725 South Old Post Rd.

4 Bedrooms / 2.1 Baths

4 Bedrooms / 3.0 Baths

QSN #344473

QSN #332740

Realty USA Rachel Derikart

CCS Realty Group Patrick Seeberger

Lic R.E. Salesperson

Lic. R.E. Broker

518-542-6070

518-573-2943

rderikart@realtyusa.com

Schenectady

pat@ccsrealtygroupllc.com

Stephentown

$79,900

364 Bradford Rd

$790,000

House on 306 Acres

2 Bedrooms / 1.0 Baths QSN #354377

5 Bedrooms / 2.0 Baths QSN #355748

CMN Real Estate Brent Tague Licensed Real Estate Broker

Eagle River Realty Kevin Jaquay Licensed Real Estate Broker

518-456-7140

315-247-4200

Brent@cmnre.com

Schenectady

kevin@eagleriver-realty.com

Troy

$76,900

22 Harvard St

$119,900

541 9th Ave

3 Bedrooms / 1.0 Baths QSN #354378

3 Bedrooms / 2.5 Baths QSN #354373

CMN Real Estate Brent Tague

Licensed Real Estate Broker

518-456-7140

Brent@cmnre.com

Schenectady

Brent@cmnre.com

Troy

$97,499

409 Plymouth Ave

352 Marshland Ct

3 Bedrooms / 1.0 Baths QSN #354376

4 Bedrooms / 1.5 Baths QSN #354309

CMN Real Estate Brent Tague Licensed Real Estate Broker

518-542-6070

Brent@cmnre.com

Loudonville

Rt 9

13.88 acres QSN #354380

rderikart@realtyusa.com

Westfield

$70,000

10 acres QSN #355747

CMN Real Estate Brent Tague

Licensed Real Estate Broker

Eagle River Realty Kevin Jaquay Licensed Real Estate Broker

518-456-7140

315-247-4200

Brent@cmnre.com

301 LoUDon RD, LoUDonViLLe

$39,900

Borders State Forest

$1,200,000

Featured Property

Realty USA Rachel Derikart Lic R.E. Salesperson

518-456-7140

Schodack

$199,900

kevin@eagleriver-realty.com

$1,200,000

Circular driveway welcomes one to this English Country home on the 2nd green of wolferts Roost Country Club. Situated on over 1 acre of meticulously cared for gardens. Classic millwork leaded glass windows add to the charm of this “One of a kind home.” third floor has bedroom & bath for Au Pair or older child. walkout basement has 2nd family room. north Colonie Schools-loudonville Elm. MlS#201419871 loudonville Office 433 loudon Rd, loudonville, nY 12211 Call: 518.427.9000 web: ColdwellBankerPrime.com

Jeanne Fitzgerald, Lic. R.E. Salesperson 518-423-8145

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PAY FOR POWER NOT PANELS Gary Ziele, Field Energy Consultant SolarCity • 6 Vatrano Road • Albany, NY 12205 Phone 518.727.2012 • Email gziele@solarcity.com

You simply pay for your solar power, just like your utility bill, only lower.

© 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. SolarCity Corporation will repair or replace broken warranted components. AZ ROC 243771/ROC 245450/ROC277498, CA LIC#888104, CO EC8041, CT HIC 0632778/ ELC 0125305, DC #410514000080/ECC902585, DE 2011120386/T1-6032, HI CT-29770, MA HIC 168572/EL-1136MR, MD MHIC 128948/11805, NV NV20121135172/ EC 0078646, NJ NJHIC#13VH06160600/34EB01732700, OR CB180498/C562, PA HICPA077343, TX TECL27006, WA SOLARC*91901/SOLARC*905P7.

Little to no upfront costs. We take care of everything: • Guaranteed system performance • Service and maintenance at no extra cost • Dedicated customer care

Marketing Rural, Recreational & Agricultural Properties

(877) 528-LAND • www.NationalLandandFarm.com 2547 State Route 12b, Hamilton, New York 13346 12

LifeandHomes ■ Capital Region

Contact Joel Siegfried • 315-796-2258 • JoelS@LifeandHomes.com

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Sauquoit

Featured Property

$379,900

9541 emerald Hill

MlS#1403482

Custom built 6 bedroom home, sun filled kitchen, family room with open area design is fabulous with 10 foot ceilings, crown moldings, stainless appliances & granite counters. finished lower level with 1,000 s/f, 2 bedrooms, kitchen, living room, bath & washer/dryer hookup. Easily an in-law apartment/ home-based business. In floor radiant heat in master bath, sun room, garage & basement.

26 College St, Clinton, nY 13323

Barbara Frank,

Lic. R.E. Salesperson,

315-725-4411(C) • 315.853.4400 (o)

Barbara frank

Trying to sell your house? If you don’t see it in this issue of LifeandHomes™ you’re missing an opportunity to sell your house quicker and more effectively! Talk with your realtor today and request that your house be highlighted in next month’s issue!

Thinking about selling your house? Look through this issue and choose from some of the best Professional Realtors in the Capital Region area who are actively advertising in this publication. Be sure to tell them you found them in the LifeandHomes™ Magazine!

Creative and Effective Advertising $

for as little as a month

Contact Joel Siegfried 315-796-2258 JoelS@LifeandHomes.com

We bring people and homes together. 14

LifeandHomes ■ Capital Region

www.LifeandHomes.com

ask the expert Energy SOLAR CITY 518-727-2012 Member Since 01/15

Finance SBG, INC 315-793-7850 Member Since 01/15

Looking for Answers to Your Home Related Questions? Search no further! Consider Your Local Business Expert! Pay for Power, not Panels. Little to no upfront costs. We take care of everything: Guaranteed system performance, Service and maintenance at no extra cost, Dedicated customer care

SIEGFRIED FIRE EXTINGUISHER SALES AND SERVICE Let us handle all your on-site need from Inspec315-796-2258

Member Since 01/15

Member Since 01/14

Monitoring like LifeLock, to our credit restoration services.We can get your credit back in shape

VSI LLC

Serving the Capital District since 1993. nyS Licensed Home Inspector, Lic # 16000005522; nyS Certified Pest Inspector #T5685318; nyS Certified Codes Officer

AC E P

HTREE

SOUTHERN COMMERCIAL LLC

Liability for you and your business.

JOEL E SIEGFRIED Life, Health, annuities; Including Long Term Care, 315-796-2258 Member Since 01/15

Home Inspection

Member Since 01/15

JOHN C DELBUONO Personal and Commercial Lines; auto, Home, 315-732-3900

Talk to us for all your credit needs, From Credit

and working for you.

REE A C H T518-371-7944

Safety

Insurance

Medical Supplements, Medicare advantage, Prescription Drug Coverage

tion and Service of your Fire Extinguishers to Emergency Lights.

Storage Buildings DOUBLE-O BUILDERS, LLC High Quality Storage Buildings made with 518-673-1073 Member Since 04/14

Lancaster Cty. craftsmanship, using only the ﬁnest materials for strength, durability, quality and

both equity and debt markets, we are able to offer struc Property Preservation By providing access toAdvertise attention to detail.

to address rapidly changing markets, create the optimal capital structure, acces and enhance the value of complex transactions. Selecting debt, equi LIFEANDHOMES™ To advertise your business in this space and be 315-796-2258 rekeying/lock replacement,capital lawncare, can represent the most critical and difﬁcult component of any real est a part of the Capital region’s ever growing ask boarding and securing, janitorial requires seasoned professionals with proven track records of su

LIFEANDHOMES™ REHAB capital, Debris removal, winterizations, 315-865-5845 Member Since 04/12

The Expert network, give us a call and join the

services, and repair and remodeling.

LifeandHomes™ community!

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. 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 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

315-796-2258 OR EMAIL JOELS@LIFEANDHOMES.COM

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EMPIRE HOMES

AND COMMERCIAL 10 East State Street Dolgeville NY 13329

Office: (315) 429-9404

Heidi Mouyos

Debbie Marshall

Lic. R.E. Broker/Owner Lic. R.E. Salesperson

Web: empirehomesandcommercial.com Email: info@empirehomesandcommercial.com

Grant Moore

Lic. R.E. Salesperson

New York! We Love It! We Live It! We Sell It!

19 South Main Street, Dolgeville $599,000 Turn key opportunity being offered for SALE OR LEASE. This 6000 sq. ft. profitable restaurant and sports bar also includes 4 hotel rooms and 2 apartments. EXCEPTIONAL BUSINESS!

2114 State Route 29, Salisbury $399,000 Well established convenience store with gas station. Property has 1.3 acres of open lot for any expansion or showcase of merchandise. Building has been fully remodeled and provides many services that are additional income.

5 River Street, Nelliston $110,000 3800 s/f commercial building with 4+ income unit potential. First floor commercial space with 1500 s/f and parking has great window frontage exposure for any business. Separate road entrance to large garage in rear with 700 s/f available.

67 Flint Avenue, Little Falls $205,000 This commercial building offers 3 levels of income potential; including a main level established space with a restaurant and ice cream parlor, 2 upstairs apartments that are presently occupied and a loft apartment that is ready to be finished your way.

457 Piseco Road, Stratford $210,000 Charming custom built home situated on over 9 acres. This chalet offers two levels of views that feel like they seamlessly enter your living area with it’s custom designed cabinetry in kitchen, loft, voluminous high vaulted ceilings.

128 Forest Avenue, Caroga Lake $59,000 Property offers 3 parcels situated on large corner lot. Potential to build additional camp. The existing cozy camp has 2 bedrooms, living room with fireplace and beautiful restored pot belly stove, kitchen, & deck. Lake access to West Caroga Lake.

731 Dairy Hill Road, Salisbury $89,000 IMMACULATE! FURNISHED! 35 ACRES! A MUST SEE! Privately set 3 bedroom manf. home at the tops for design inside and surrounded by 35 acres of woodland with private road trails for the hunting enthusiast and open pasture views for upgrades.

4 Millers Grove Road, Dolgeville $124,900 Cozy ranch home with country location and convenience of being near village with all its amenities. This 3 bedroom home features efficient heating systems, new laminate flooring throughout, open floor plan for kitchen & dining room.

349-351 West Main Street, Little Falls $49,000 Great Investment Property! This two family home features updated vinyl siding, vinyl windows, and flooring. Both units include refrigerator, stove, and separate utilities. An opportunity for you to live on one side and rent the other.

247 Irondale Rd., Salisbury Center $109,000 Outdoor lovers, snowmobilers, come & get it, main trail passes right through property. What a beautiful spot this comfortable bungalow shares with a 40x30 pole barn, single stall garage & storage shed. All sitting on 7.5 acres w/ 750ft of road frontage.

127 State Route 29 A, Salisbury Center $59,900 CAN YOU BELIEVE THIS ??? Store, café, fully equipped needs a little freshening up and you can be up and running. Store has been at this location for over 60yrs. Closed 5/31/2013. Great location for its current set up all the locals miss it.

Schulenberg Rd., Oppenheim $59,900 NOW $59,900 THIS IS A HUGE PRICE DROP!! less than $1000 per acre YOU can own it. Over 60 acres!!! did you say over 60 acres? Yep I did. Deer hunters, snowmobilers, outdoor enthusiasts, nature lovers, here is a great opportunity!

725 & 815 Shells Bush Road, Herkimer $750,000 Large dairy/crop farm w/ 300 acres & 2 homes. Potential to be organic w/ 2800’ of road frontage for additional expansion in building. Land consists of tillable silt loam soil, pastures, & wooded. The milk house & barn have a holding area for 80+ cows.

Jacksonburg Road, Little Falls $34,900 2.93 Acre 3 parcels with w 2 drilled wells, 4 septic systems and electric on site. Currently set up as lot rental for four mobile homes set up here. Homes privately owned & not part of sale. Current income of $210.00 per lot w/ month - month lease in place.

1051 St Rte 29A, Salisbury $109,900 Living is easy in this well-maintained, 3 Bedroom ranch on one acre. Oversize garage. 1 convenient level for retirees, A potential playroom in the basement allows a neat main level for those with a family! Country living and recreation.

148 McClure Rd., Salisbury $89,000 Well built starter home on 2+ tranquil acres. Great location close to snowmobile trails and Adirondack lakes. Efficient heating w/integrated water heater supplemented by cozy woodstove. Includes lot across the road w/ garage and storage sheds.

LifeandHomes ■ Capital Region