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There’s no way to know every detail about a home before you make an offer but you can stack the deck in your favor by going into the process well-prepared. By walking into a perspective home with a checklist in your hand, you’ll be less likely to be distracted by staging, surface updates and new surroundings.

Predetermine your checklist items by identifying the needs and wants that are specific to you and your family. You can find a host of checklists online or create your own. Here are some basic ideas to get you started:

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* Are there enough outlets in each room? Is the wiring updated? * How old is the furnace and hot water heater? Is there central air?

Interested in hearing more,

* Have the windows been updated? Are they drafty? Are there screens for each window?

Contact David Lisi 315.865.5845 david@lifeandhomes.com

* How many bathrooms are there? Do they have a tub? Shower? * Are there closets in each bedroom? Are they big enough? Does each bedroom have a light? * What appliances are included in the deal? How old are they? Do they work? * Have there been any additions to the original structure? Were they done by a professional?

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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.

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* Do the faucets work and does the water drain? Are there drains in the basement?

Joel Siegfried,

Capital Region, NY Edition

March Issue February 6, 2015

* Will your furniture fit through the door or up the stairs? Will it fit in each room?

These are just a few of the items that should be on your checklist. Make a checklist for each house you see to help you remember the details. Open doors. Ask questions. Take pictures. And once you find the house that ticks off the must-have items on your list, arrange for a home inspection before you seal the deal.

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Real Insights

From Realtors For many people, buying a home is a goal they aspire to achieve and often the most significant financial decision they’ll make in their life. If you’re among them, consider this advice: Given the mass amounts of information, data and tools available, it’s critical to work with a professional who can help you make sense of it all. During the home buying or selling process, it’s wise to follow these tips:

• Work with a local expert. Realtors are the most trusted resources for up-to-date, comprehensive and accurate real estate information when it comes to navigating each step of the complex home buyers process. More than four out of five recent home buyers and sellers used a real estate professional, according to the National Association of Realtors.

• Learn about the area. Looking to move to a new neighborhood? Chances are you’re unfamiliar with some characteristics of the area, such as traffic patterns on busy streets and the best schools within the district. Realtors generally have a finger on the pulse of each market where they do business. They’re responsible for knowing the nuances to consider before buying a home and can leverage that expertise to help you.

• Seek accurate information. Many websites offer to help potential home owners find the perfect house. Some people have even suggested the Internet will eventually make buying a home as easy as buying an airline ticket or a stock certificate. However, some of the information provided on these sites may be inaccurate, creating confusion and frustration.

A Realtor can provide valuable counsel, discuss listings, show you homes in person, negotiate on your behalf and help you stay focused on the emotional and financial issues that are most

newsShorts important. That may be one reason 88 percent of buyers in 2013 used a real estate agent, up from 69 percent in 2001. (NAPSI)

Five Quick Ways To Upgrade Your Home For Resale Whether you’re considering cashing in on your equity, downsizing, trading up, moving for a change of scenery or relocating for better prospects, a few smart investments and improvements can help your home stand out from the competition so you get top dollar.

Even if you’re not planning on moving anytime soon, these strategies can maximize your home’s value and increase its marketability:

• Sprucing up the exterior. If you think you’ll have a few years before you move, work on your landscaping now to give plants time to mature. Look for easy-care perennials such as hostas, which multiply on their own. If you have less time, you can still achieve a quick makeover by power washing paths and siding, painting or upgrading your front door and keeping the lawn watered and weeded.

• Removing eyesores inside. Some minor adjustments can help buyers recognize what’s great about your home. Swap outdated fixtures, remove wallpaper and give everything a deep clean. Replacements don’t have to be top of the line; they just need to eliminate hang-ups for potential buyers.

• Improving the kitchen - to a point. You probably won’t recoup the cost of a full kitchen renovation but smaller projects such as upgrading appliances and painting or refinishing cabinets can modernize the space.

• Refreshing rooms with neutral paint.

This is a time-honored tip for a reason. While seeing your favorite bold hues on the walls makes you happy, potential buyers may not agree. A fresh coat of neutral paint can help them envision their own belongings in the space.

• Focusing on energy efficiency. The right energy-smart upgrades can assure buyers they’re seeing an efficient home where utility bills can be minimized. Adding insulation to the attic and walls can make a dramatic improvement in many homes. Consider the windows as well. Adding a heat-rejecting window film such as 3M Sun Control Window Film can reduce cooling costs and typically does not change the windows’ appearance. Since the window film can reject up to 99 percent of UV rays, it can protect the investment you made in your hardwood floors, rugs, window treatments, furniture and artwork. For further facts, visit www.3M.com/homeimprovement. (NAPSI)

Device or Vice?

One in four Americans report they get stressed out when they’re away from their email or phone for longer than 30 minutes, according to a survey conducted by GMI and commissioned

by Crucial.com. And 84 percent of male respondents admitted to checking a mobile device while driving, in a theater, at a funeral or at a child’s recital.

Balance your use of technology by establishing personal tech-life policies. How about limiting technology at the table, after 9 p.m., or while your children complete their homework. Or, require children’s cell phones to be left in the kitchen overnight - no middle of the night bedroom usage. Maybe you and your partner agree to shut off technology for an hour before bed to give attention to one another.

Make a strict policy that texting and driving is an unacceptable practice - then stick to it. Life balance expert Mary LoVerde says by limiting technology, other ideas will come into clearer focus; “The sky will not fall if we log off for an hour. If we’re lucky we’ll have reconnected with our humanness in a meaningful way.” (BPT) February

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Choosing Wood Stain Color When it comes to giving your home natural warmth and beauty, few things compare to wood—and wood is surprisingly flexible when it comes to color. 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.

newsShorts

• For an antique or distressed look, layer lighter and darker stain colors. Once the stain has dried, 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)

Discover The Design Potential of the ‘5th Wall’ Many homeowners don’t consider ceilings part of their interior design, and it shows. Most are expanses of bland white paint. But savvy do-it-yourselfers are converting these blank canvases into interesting and functional design elements that can accent a room’s decor, create a cozier space or disguise problems commonly found on this fifth wall.

Updating a ceiling is one of the easiest and budgetfriendly ways to freshen a space. Dana Vento, DIY expert and popular home renovation blogger, recommends tackling a ceiling project that can be quickly and easily finished over the weekend.

Warm up with wood. There’s a reason wood flooring is so popular - it tends to warm up a room and add character. The same goes for ceilings.

Real or engineered wood panels can extend your sense of style in any room. That’s because they come in a wide range of tones, textures and patterns to suit any decorating style, from rustic to mid-century modern to sleek contemporary.

Go beyond plain vanilla. For those who want to add a splash of color, the ceiling holds special allure. Painting the ceiling the same color as the walls (or one shade lighter) can make a small room feel larger. A bright color, say yellow or pink, could enliven a child’s room, while a sky blue ceiling creates a more soothing ambiance. Black ceilings have their own design advantages, dramatically defining a dining area in an open floor plan, for instance, or enhancing the enveloping atmosphere of a home theater.

Love the look of metals? Add some character and shimmer to your ceiling. Consider today’s pressed metal ceiling tiles. They’re far easier to install than their antique ancestors, and the light-bouncing properties of copper, brass and lacquered steel can help raise the ceiling visually in any room.

Hide the popcorn. Even confident DIY-ers don’t relish the idea of scrapping popcorn ceilings to remove the material and then deal with the messy cleanup. But now there’s an easier and more attractive fix, Vento says. “We took the plunge and installed an Armstrong Woodhaven plank ceiling, which can be applied directly over the popcorn,” she says. Like wood, Woodhaven planks come in different finishes, and can also be painted.

Vento recommends homeowners start thinking about their ceiling by exploring websites for ideas. A good place for inspiration is armstrong.com/residential-ceilings/ceiling-inspiration which has hundreds of examples including some interesting before and after photos. (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!

Troy

$279,900

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

$247,000

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.

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.

Other Listings Schenectady • 409 Plymouth Ave • $97,499 • MLS#201413889 Schenectady • 364 Bradford Rd • $79,900 • MLS#201413523 Schenectady • 22 Harvard St • $76,900 • MLS#201414650 Castleton • Rt 9• $70,000 • MLS#201422248 Cohoes • 7 Amity St • $58,500 • MLS#201419024

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.

Victorian Manor

Albany

$109,900

Gorgeous new Kitchen with Kraftmaid Cabinets, Hardwood floors through out original woodwork and french doors make this a charming and inviting home.

A full basement and full walk up attic for an abundance of storage space. The attic has potential to easily add living space to the home.

Cohoes

$104,500

$250,000

Gentleman’s Farm

1870 Victorian Manor. Refurbished 4,000 sq ft Victorian home w/matching

Buy on a beautiful set of buildings. Drastically reduced from $399,000 to $250,000

$149,900

Dairy Farm

Oneida County Gentleman’s Farm located on a very quiet road. Mins South of Utica NY. Good three story home. Modern 2 story barn w/hay loft, box stalls for beef or horses. 2 other out buildings for additional storage and shop. All on 12+ acres. Nice retirement property or place to raise a family. Place to have a few beef cows or horses. Close to schools shopping & hospitals.

Asking $149,900. Sellers are motivated.

$539,000

Madison County Showplace Gentleman’s Farm. Big Acreage. Quiet Setting. 200+ acres, 70 tillable good well drained loem soils. Balance pasture & woods.

Good 2 story 4 bdrm home. In-ground pool. 32x40 Heated shop. Additional machinery storage. Nice little 2 story 50 stall barn, drive in mow. Additional pole barn for storage & young stock. Quiet road, nice views.

Good location. Close to schools, shopping, hospitals & airport. Reduced from $559,000 to $539,000.

Carriage Barn, Studio Barn & Storage Bldg. 40x80 Pole barn on 3 1/2 acres. Great

Gentleman’s Farm

Castleton • 1878 Brookview Rd • Rental $875 • MLS# 201420950

Like New.. Brand new heating systems including duct work in each unit. New kitchens, new bathrooms (claw foot tubs remain) new carpet and flooring, newer windows, updated electric and brand new appliances. Each unit has a stack-able washer and dryer, microwave/ range hood, refrigerator and stove.

$225,000

Priced Reduced, Make an Offer! 2380 Nice Madison County Dairy Farm with gorgeous setting. Completely remodeled 3 bdrm Farm house. New 30x60 insulated heated shop with high ceilings. Nice 2 story 40 stall barn with enclosed manure room. Ready to milk or would work excellent for horses or beef. All on 46 acres. All usable with some woods. Nice pond stocked with fish. Mins from Brookfield Equine Center with 300 miles of trails. Great farm. Milk cows or raise horses. Owners reduced to $225,000.

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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.

Dodie Esposito 640-4452

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 Grafton

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

$89,900 Schenectady

00 Madonna Lake Road 29.52 bucolic acres of untapped natural beauty. Own a piece of wooded splendor complete w/ your own pond!Tranquilty & serenity to subdivide or enjoy yourself. Located in Grafton, 25 minutes from downtown Albany.

Christopher Culihan 640-4419

$64,000 Troy

1342 Dewitt Street This 2 bedroom doll house has been repainted, re-carpeted, newer boiler, hot water tank, roof, siding, 1st floor replacement windows and has a kitchen that combines original charm and modern conveniences. Christopher Culihan 640-4419

$115,900

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

Jeanne Fitzgerald 640-4422

Bill Kellert 640-4442

Albany

$159,000 Albany

$159,900 Troy

$173,900 Niskayuna

$179,900 Colonie

$209,900

Albany

$225,000 Latham

$223 ,900 Troy

$229,000 Ballston Lake

$298,900 Loudonville

$329,900

51 Ten Broeck Street Historic townhome in the wonderfulTen BroeckTriangle, complete w/ natural brick exterior, 2 original intact fireplace mantles, beautiful hardwood floors, easterly views of the Hudson River off the huge 24x14 ft deck. 3 bedrooms & 2 ½ baths.

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

Andrea Burr 640-4407

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

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

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

558 Albany Shaker Road Charming Farmhouse, totally renovated, 4 bedroom, 2 ½ baths, tons of charm. Fabulous hardwood floors, Jacuzzi tub in master, above ground pool and huge deck in yard. Walking distance to The Crossings. 640-4409

Christopher Culihan 640-4419

Peter Luzinas

Office Manager 640-4409

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Elizabeth Brown-Goyette 640-4431

LifeandHomes ■ Capital Region

Eileen Heim 640-4440

Karyn Long 640-4460

Brian Marsh 640-4453

Justin Luzinas 640-4405

Heather Bayly 640-4417

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.

Albany

$339,000 Niskayuna

188 North Pearl Street Unique development opportunity amidst the downtownTheater Arts District. Zoned C# this vacant land is perfect mixed use locale for commercial and residential. 17,459 sq. ft., 145 feet of North Pearl Street frontage.

Greg Tobin 640-4455

$339,900 Johnsburg

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

$349,900 Loudonville

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

$374,900 Loudonville

2 Cheshire Way Meticulous East Hills carriage home. Open concept living, great room w/ cathedral ceiling, 1st floor master suite w/ his & hers walk in closets, 2 bedrooms & full bath on 2nd floor, professionally finished walk out basement. Dodie Esposito 640-4452

$379,000

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

Maribeth Duclos 640-4412

Mary Anne Hess 640-4415

Loudonville

$410,000 Loudonville

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

$430,000 Latham

7 Schuyler Hills Road The best value in Loudonville! Gorgeous brick home boasts hardwood floors, 3 new bathrooms, new lighting, A/C, roof, and so much more! Ideal in-law set up. This is a must see!! The owners want it sold! Eileen Heim 640-4440

$485,000 Menands

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

$549,000 Troy

8 Park Drive Available for lease or purchase, 3,600 sq. ft. 5 bedroom colonial with media room, finished basement with kitchen, hardwood floors and huge private yard complete with patio and gas grill. Available immediately. Jeanne Fitzgerald 640-4422

$549,900

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

Charles Tom Nightingale 640-4420

Guilderland

$599,000 Loudonville

423 Ridge Hill Road This superior condition home, in Haven Hills w/ 5 bedrooms, study w/ built ins, formal living & dining room, large deck across the rear of the house, is available for short or long term rental. Possibility of owning this stunning home! Jeanne Fitzgerald 640-4422

Betsy C. O’Haire 640-4436

$775,000 Menands

33 Burton La. Available for sale or lease! 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

Christine Richardson 640-4462

$895,000 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

Matt Rucinski 640-4430

Greg Tobin 640-4455

$1,200,000 Loudonville

301 Loudon Road Stunning English Regency home on the 2nd green of Wolfert’s Roost Country Club in the heart of old Loudonville.

Situated on over 1 acre of meticulously manicured gardens, this one of a kind home is a classic of taste. Christine Richardson 640-4462

$1,395,000

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

Nick Testo

Denise Arnold

640-4404

640-4401

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Rosemarie Durant 640-4427

Jean Mosher 640-4421

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

Altamont

Open Market Listing Service™ Colonie

$225,000

22 Whipple Way

$1,200,000

301 Loudon Rd

4 Bedrooms / 2.0 Baths

5 Bedrooms / 4.5 Baths

QSN #347830

QSN #354381

Miranda Real Estate Group Inc. Christina Center

Coldwell Banker Prime Properties Jeanne Fitzgerald

Lic R.E. Salesperson

Licensed Real Estate Salesperson

518-573-5635

518-423-8145

ccentermrg@gmail.com

Austerlitz

jfitzgerald@cbpp.com

Colonie

$915,000

1896 County Route 9 5 Bedrooms / 4.0 Baths QSN #355699

$144,900

27 Corthell St 2 Bedrooms / 1.5 Baths QSN #357245

Davala Real Estate Karen Davala

Field Realty Shane Mahar

Licensed Real Estate Broker

Licensed Real Estate Salesperson

518-755-2385

518-281-5336

karenrealestate@yahoo.com

Charlton

shane@fieldrealty.com

Ghent

$185,000

758 Swaggertown Rd

$895,000

226 Old Post Rd

2 Bedrooms / 1.5 Baths

4 Bedrooms / 2.0 Baths

QSN #354310

QSN #357249

Realty USA Rachel Derikart

Davala Real Estate Karen Davala

Lic R.E. Salesperson

Licensed Real Estate Broker

518-542-6070

518-755-2385

rderikart@realtyusa.com

Clifton Park

karenrealestate@yahoo.com

Greenport

$358,898

25 Aster Dr

$120,000

227 Joslen Blvd

4 Bedrooms / 2.5 Baths

3 Bedrooms / 2.0 Baths

QSN #357247

QSN #354317

CCS Realty Group Patrick Seeberger

Prudential Manor Homes Melania Darling

Lic. R.E. Broker

Licensed Real Estate Salesperson

518-573-2943

518-755-4849

pat@ccsrealtygroupllc.com

Colonie

mdarling@prudentialmanor.com

Kinderhook

$644,900

16 Arborgate Ct 4 Bedrooms / 3.0 Baths QSN #355698

4 Bedrooms / 3.0 Baths QSN #354319

CMN Real Estate Brent Tague Licensed Real Estate Broker

518-758-0911

Brent@cmnre.com

Office Space Available

Are you paying too much? Bring us your current lease and let us help!

Call!!! Chances Are A Custom Lease Will Save You $$$ 10

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Prudential Manor Homes Karen Sheffer Licensed Real Estate Salesperson

518-456-7140

11 Furnace Street Oriskany NY 13424

$229,540

177 Cortland Dr

ksheffer@prudentialmanor.com

Monthly Lease Includes: • Internet • Electricity • Heat/AC • Private Parking • Snow Plowing

• Security/Fire System • Breakroom • Conference Room • Cleaning of Offices

Perfect for any business looking for a quiet, beautiful setting!

• Can be modified to suit tenant • 5600 square feet plus usable space • Monthly Office rents start at $200 • Storage (additional monthly charge)

To Arrange a Walk-Thru Appointment, Please Call Ed or Dick at

315-527-5661 • 315-736-3225 • ckcofcny.com

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

$70,000

Rt 9

4 Bedrooms / 2.1 Baths

13.88 acres

QSN #344473

QSN #354380

Realty USA Rachel Derikart

CMN Real Estate Brent Tague

Lic R.E. Salesperson

Licensed Real Estate Broker

518-542-6070

518-456-7140

rderikart@realtyusa.com

Brent@cmnre.com

Old Forge

$924,500 177 South Shore Acres Rd

Stephentown

6 Bedrooms / 3.0 Baths

House on 306 acres

QSN #357338

QSN #355748

$790,000

306 Acres

Rivet Realty MaryAnn Lum Nelson

Eagle River Realty Kevin Jaquay

Associate Broker

Licensed Real Estate Broker

315-369-6573

315-247-4200

RivetRE@gmail.com

Old Forge

kevin@eagleriver-realty.com

Troy

$980,000

116 Cohasset Point Rd

$199,900

352 Marshland Ct

6 Bedrooms / 3.0 Baths

4 Bedrooms / 1.5 Baths

QSN #357339

QSN #354309

Rivet Realty MaryAnn Lum Nelson Associate Broker

Lic R.E. Salesperson

315-369-6573

518-542-6070

RivetRE@gmail.com

Schenectady

rderikart@realtyusa.com

Valatie

$97,499

409 Plymouth Ave

$114,900

3632 Mechanic St

3 Bedrooms / 1.0 Baths QSN #354376

Realty USA Rachel Derikart

3 Bedrooms / 1.0 Baths QSN #354318

CMN Real Estate Brent Tague Licensed Real Estate Broker

Prudential Manor Homes Karen Sheffer Licensed Real Estate Salesperson

518-456-7140

518-758-0911

Brent@cmnre.com

Schenectady

ksheffer@prudentialmanor.com

Westfield

$76,900

$39,900

22 Harvard St

Boarders State Forest

3 Bedrooms / 1.0 Baths

10 Acres

QSN #354378

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

kevin@eagleriver-realty.com

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

Call today and ask about our competitive rates and discounts.

Protect your biggest investment with a Home Inspection

(877) 528-LAND

2547 State Route 12b Hamilton, New York 13346

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

Your Local Farmers Agent Currently Offers Savings For:

• Auto • Home • Life • Collectable Auto • Business • Renter • Boat • Personal Watercraft • Motorcycle • Condo • Mobile Homes • Recreational Vehicles WE ARE INSURANCE. WE ARE FARMERS.

518-280-1396 • mobrien1@farmersagent.com www.farmersagent.com/mobrien1 635 Plank Rd, Clifton Park, NY 12065

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

February

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www.Life and Homes .com

11

Caroga Lake

$199,000

Featured Property

South Shore Road, Caroga Lake

Deb Sicilia, Licensed R.E. Salesperson

• lovely secluded 3 or 4 bedroom home • newly remodeled new furnace/water heater/electrical • garage and heated pole barn • walking distance to lake & marina • Listed for $199,000

Kinship Properties, Inc.

54 East Main Street, St. Johnsville NY 13452

(O) 518-568-2100 (C) 518-495-5770

kinshipproperties@frontiernet.net

House Hunting? Relax.

We’ll Deliver Your Dream Home.

Life and

Homes

™

LifeandHomes™ Property Search www.LifeandHomes.com

- Tell us what type of local property you’re looking for: location, price range, # bed/bath, etc.

- You’ll receive an email when a property matching your search criteria comes on the market and updates.

- Automatically connect with over 125 local real estate participants.

TV & Video

Magazine

Online

Mobile

Social

Call Joel at 315.796.2258 or email JoelS@lifeandhomes.com to participate.

Rachel Derikart Licensed Real Estate Salesperson

Life and

Homes

™

The Maryellen Blair Team

Cell: (518)542-6070

RDerikart@RealtyUSA.com Let us help you make your next move.

Karen Davala | 518-755-2385 119 Main Street, Philmont, NY www.davalarealestate.com

12

LifeandHomes ■ Capital Region

20 Aviation Rd Albany, NY 12205 Sign up for your FREE Magazine Subscription at

LifeandHomes.com | Click on FREE MAGAZINE tab

F Ma

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

February

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www.Life and Homes .com

13

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 $

15

for as little as a month

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

We bring people and homes together.

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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?

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Insurance

Pay for Power, not Panels. Little to no upfront costs. We take care of everything: Guaranteed system performance, Service and maintenance

Credit Monitoring like LifeLock, to our credit restoration services.We can get your credit back in shape and working for you.

Home Inspection

REE A C H T518-371-7944 VSI LLC

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MARYANN O’BRIAN your Local Farmers agent Currently Offers Savings 518-280-1396

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at no extra cost, Dedicated customer care

Talk to us for all your credit repair needs, From

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

AC E P

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Land

For: auto, Home, Life, Collectable auto, business, renter, boat, Personal Watercraft, Motorcycle, Condo, Mobile Homes, recreational Vehicles

JOHN C DELBUONO Personal and Commercial Lines; auto, Home, 315-732-3900 Member Since 01/15

Properties? Check out our network of real estate brokers Specializing in Land and Farm Sales. www.NationalLandandFarm.com

Property Preservation

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

Liability for you and your business.

rekeying/lock replacement,lawncare, boarding and securing, janitorial

By providing access to both equity and and debt markets, we are able to offer struc services, repair and remodeling. to address rapidly changing markets, create the optimal capital structure, acces Safety JOEL E SIEGFRIED capital, and enhance the value complex transactions.

Selecting debt, equi SIEGFRIED FIREof EXTINGUISHER SALES AND SERVICE Life, Health, annuities; Including Long Term Care, 315-796-2258 capital can represent315-796-2258 the most critical and diffi component Let us handle all yourcult on-site need from Inspec-of any real est Member Since 01/15 Medical Supplements, Medicare advantage, Member Since 01/14 tion and Service ofwith your Fireproven extinguishers to records of su requires seasoned professionals track Prescription Drug Coverage emergency Lights.

If you would like to be listed here, Please call 315-796-2258

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

February

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www.Life and Homes .com

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LifeandHomes ■ Capital Region