Life and Homes Capital Region

Life and

Capital Region

Homes

FREE june 2015

Residential • Commercial • Multi-Family • Land

Outstanding Local Listings

Beautiful

Investments

It’s Time To

Make Your Move See This Featured Home on pg 7

FREE Real Estate Guide @ www.LifeandHomes.com

Welcome Summer Market Looks Healthy Sunshine and warm weather have combined to breathe life into the local and national real estate market, and now that it has started rolling, it’s quickly picking up steam.

Life and

Homes

THIS WEEKEND‘S

OPEN HOUSES

Capital Region, NY Edition

Publication Manager Account Executive Joel Siegfried, RMC 315-796-2258 JoelS@LifeandHomes.com

Days on market, D.O.M., signifies the number of days a property has been actively listed on a multiple listing service before it moves to a pending status or is removed from the market by the owner.

The median age of listings nationwide in April was 10 fewer days than in April last year, Realtor.com reports. Inventory, they say, is moving fast.

“The average DOM is the total days on the market of all the properties for sale in an area divided by the number of listings; this can give a picture of the health of the real estate market in a locality,” says Wisegeek.

You can expect to see a lower local D.O.M. average when the housing market is healthy, inventory is steadily moving and asking prices are realistically set. For sellers, a fast moving market brings hopes of healthy offers received shortly after listing their home. Buyers have a bit more of a challenge in an active market. They have to know what they are looking for and come to the table prepared to make a respectable offer when they’ve seen a listings that meets, or mostly meets, their criteria. In an active market, he who hesitates, generally loses.

Joe Weibel 315-266-6245 JoeW@lifeandhomes.com

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

Table of Contents Magazine Deadlines Page News Shorts

2 3-4

Front Cover Featured Property House Listing Directory Commercial Section Ask The Expert

7 8-9 12-13 15

July Issue June 5, 2015

Corporate Office D avid Li si, OW NER 315-865-5845 David@LifeandHomes.com

www.LifeandHomes.com/CR-NY

Follow Us on Facebook

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Publication Manager • Account Exec.

315.796.2258 • joels@lifeandhomes.com

The Most Affordable Way to Promote Market AllYour Listings Your Listings print /online $15

Advertising Deadline

315-865-5845 Fax 1-315-865-7418

Joel Siegfried,

foras Lowas

Published By Capital Region LifeandHomes David Lisi, Owner 315-865-5845 David@LifeandHomes.com

Lisi Merchant Solutions, Inc. PO Box 18 Holland Patent, NY 13354

Ask your agent for up-to-date information on the local market then work closely with them, whether buying or selling, to make sure you’re prepared to take full advantage of current market trends.

Review the listings in this issue then visit LifeandHomes.com to see what’s happening in our local market. Act now so you can enjoy the summer months in your new home.

Darcy Stone 518-888-4998 Darcy@lifeandhomes.com

Call 315-796-2258

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

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 © 2015 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.

For more information, contact David Lisi 315.865.5845 david@lifeandhomes.com

5 Home-Improvement Projects To Help

Sell Your Home

The real estate market has improved across much of the country, but homeowners thinking about listing their homes this summer need to stay competitive to attract buyers. Buyers are looking for long-term homes, ones they want to stay in for years while raising their children, or settling down and retiring.

To prepare your home for listing – or simply to enjoy it a few years longer – check out these top five home improvement projects you can do yourself to make your home more attractive to buyers: 1. Give the front door a new look – The front door sets the tone for your home’s curb appeal and security, and is the first impression for buyers.

If your door is in good shape, you might just need to give it a refreshing new coat of paint or new hardware. But if it’s seen some wear and tear over the years, consider replacing it with a steel door – one that will show buyers your home is safe.

2. Update the most-used entryway – The garage door is traditionally the most-used door in the home. Replacing this door with an insulated steel door will not only improve the exterior look of your home, but also keep the garage space warmer.

3. Add additional living space – You might not think about adding a deck as the same thing as adding an extra room to the house, but if you’re selling your home during the warmer months, that’s how buyers will see it. They’ll be able to picture themselves enjoying breakfast and picnic dinners outside. To make your deck a good selling feature, consider using ProWood Dura Color, a color-treated wood that retains its color for years.

Realtor.com estimates that homeowners can recoup 87 percent of the investment of adding a deck when they sell.

newsShorts

4. Create a bathroom retreat – As the smallest room in the house, the bathroom tends to cost the least to remodel. If you have a guest or master bath that can use a little help to transform into a relaxing oasis, take the opportunity to replace the flooring, paint the walls and replace the accessories with more modern styles. Faucets, showerheads and even the toilet can all be upgraded with water-saving and stylish designs.

Buyers will take note of a maintenance-free bath, making your home one they’ll remember as move-in ready.

5. Turn the backyard into a private paradise – Buyers will be visualizing themselves in your backyard when touring your home. Consider adding a beautiful wooden fence to enhance the privacy. It will make the home attractive to families with children and pets, and for couples who aren’t interested in having a conversation with the neighbors every time they go outside. To make your fence an attractive selling feature of the home, consider using ProWood Dura Color fence pickets or pre-built panels that stand up to the sun’s harsh rays and won’t gray out over time. (BPT)

Plan Now For Your Big Move this Summer

The big move. No matter the distance, amount of belongings or number of people, your big move is going to be a big deal. There are ways to plan for your move so the big event doesn’t overwhelm you.

Here are five moving tips from Penske Truck Rental, which has been helping customers complete their big moves for more than 40 years.

1. Less is better – The less you have to move, the easier your move will be on your body and your wallet. It will also be easier to fit everything into your new house. While packing, create three piles.

The first is your “must-go” pile. The second is your “must-sell” pile, which includes anything you haven’t used in the last year, anything you have multiples of and anything you just don’t want any

more. The third is the “must-throw” pile, and it contains anything that can’t be sold at a garage sale or donated. Start creating these piles now, and it will make moving day much easier.

2. Stock up on supplies – Big boxes might seem like a great idea because they can hold so much stuff, but what happens when you try to lift one and carry it down a flight of steps? Stock up on boxes of multiple sizes, but keep in mind that smaller is much easier to carry. Also stock up on foam and bubble wrap to protect your fragile items, a good supply of packing tape and bold markers for labeling boxes. You’ll also want to have moving blankets and hand trucks to make it easier to transport your items.

3. Rent a truck – One trip makes the big move simple, even if you’re just moving across town.

Penske Truck Rental guarantees a truck for every reservation. Most movers find the 12- or 16-foot truck perfect for moving a few large items or the contents of a small condo or apartment. For guidance with larger moves or with your truck selection, visit www.PenskeTruckRental.com.

4. Pack smart - Load the heaviest items on the truck first. When you’ve got a sturdy base of the heaviest items, you can start stacking on top. This is when it’s handy to list a box’s contents on its side. If you have friends and family helping, they’ll know not to set books on top of your china.

5. Safety and security - Trucks are taller, wider, heavier and require more stopping distance than the vehicle you are used to driving. Take extra precaution, especially when the truck is loaded.

Watch out for low-hanging tree branches and building overhangs, and use extra caution when cornering. To protect your belongings, park in well-lit areas and padlock the rear door. To make sure you’ve got everything you need on moving day, create a travel bag for keeping important paperwork, credit cards, identification, a change of clothes, drinks and snacks close at hand.

For a complete list of moving tips, visit www.PenskeTruckRental.com.

As you cross days off on the calendar and the big day approaches, these tips will help you sail through the event with few conflicts. Before you know it, you’ll be settled in your new home. (BPT) June

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Plug Into These Spring Tips For ASmarter Home The days are finally becoming longer and the weather is getting warmer, which means it’s time for spring cleaning, upgrading and refreshing your home.

Consider these tips to get your home ready for a fun, smart and cost-efficient year ahead.

Control your thermostat via smartphone apps.

The weather is finally cooperating, so you may no longer need to leave the heat on all day.

Now, with the touch of a button, it’s possible to control your AC/heat and lighting from a remote location. Save on your energy bills by using Wi-Fi controlled thermostats and switches. Best of all, you won’t come home to a sweltering house!

Sync your home sound systems. Summer is just around the corner, which means outdoor barbecues and parties. With all the options in Bluetooth audio available today, you can eliminate unattractive, bulky speakers. New, smaller and sleek Bluetooth devices are easy to hide, while providing excellent sound. You can also sync up music in every part of your home and control it all via your smartphone.

Add charging stations throughout your home.

Invest in turbo phone chargers that significantly speed up charging time – and you’ll be everyone’s new best friend. Additionally, install USB ports to your electrical outlets. This makes it much easier for everyone to charge smartphones, tablets and other devices without having to plug in to your laptop first.

Power your home with the sun by going solar.

When you’ve completed spring cleaning and upgrading, you’ll want to sit back, relax and enjoy your productive achievements without worrying about how to pay for the electricity behind all of these fun new gadgets. Thankfully, home solar is a growing trend that is going mainstream and an extremely easy option for homeowners to adopt. Sunrun, the largest 4

LifeandHomes ■ Capital Region

newsShorts dedicated residential solar company in the U.S., makes going solar simple by designing, installing, financing and maintaining customers’ solar panels. On average, Sunrun customers save 20 percent on their energy bills and spend those savings on other things they love.

Flaunt your new upgrades. Now it’s time for you to show off everything you’ve invested in, so your friends and family can see what a trendsetter you are. Many will leave your house wondering how to wirelessly sync up every screen and gadget in their own homes, while simultaneously saving money.

Visit www.sunrun.com to learn more about how solar energy upgrades can help you save money on your electric bil l and provide you with cleaner power and a smarter home. (BPT)

Simple Solutions for Bringing the Indoors Out Gone are the days of basic backyards outfitted with plastic furniture and folding lawn chairs. Today’s outdoor spaces have evolved to become true extensions of the home offering all the style, comfort and function of an interior living area.

Following are some simple DIY tips from the experts at Trex for adding interior function and flair to your outdoor oasis: Focus on furnishings - When selecting furniture for your outdoor space, look for durable materials that will withstand the environmental elements. Trade in those flimsy folding chairs for more substantial pieces made of heavy duty frames with soft but durable cushions for optimum comfort.

Maximize function - When designing your outdoor space, define functional areas for different activities just as you would inside your home. Dedicate a space for grilling that affords a safe distance for guests and children from active flames and irritating smoke.

Accompany large chairs with upholstered ottomans to create an inviting atmosphere and increase available seating. Finally, keep your outdoor space organized and eliminate all those pesky trips back and forth into the house with storage components similar to those you’d find indoors. The new Trex Outdoor Storage collection offers a variety of stylish, waterproof options from hidden ice chests and trash bins to integrated cabinets and drawers for storing pillows, yard games and pool equipment.

Illuminate with lighting - According to a recent survey, outdoor lighting ranks as the number one product that consumers want to add to their outdoor living spaces. Fortunately, it’s easier than ever to install lighting thanks to “plug-and-play” components like those in the Trex Outdoor Lighting collection. Available through Amazon.com, consumers can choose from a wide array of lighting options that can be easily installed into a deck, railing or landscape to significantly enhance the atmosphere and safety of any outdoor living space. Or for entertaining, incorporate string lights into the space.

Add the accessories - To make your outdoor space truly feel like a “room” and a seamless extension of your home, incorporate interiorinspired accents such as decorative area rugs, but be sure to follow manufacturer guidelines - as some rugs react with materials like PVC. Other “indoor” accessories to consider include cushions, pillows and throw blankets made of weather-resistant fabrics. Add personality and color with plants, flowers, artwork and whimsical accessories, just as you would inside.

For more inspiration and ideas for bringing the indoors out, visit www.trex.com. (Family Features)

CMN Real Estate

1510 Central Ave #380 Albany NY 12205

518-456-7140 • www.cmnre.com .

Troy

$279,900

Albany

$109,900

Rotterdam

Troy

$120,000

Waterford

$195,000

Cohoes

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.

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.

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.

Great investment opportunity. Rents are low...have not been raised in years. All separate utilities. 4 new boilers.Two new hot water tanks.

$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.

$99,974

Like New. Brand new heating systems including duct work in each unit. New kitchens, new bathrooms (claw foot tubs remain) new carpet & flooring, newer windows, updated electric & brand new appliances. Each unit has a stack-able washer & dryer, microwave/range hood, refrigerator & stove. Large Deck on 2nd floor.

Schodack

$247,000

Rensselaer

North Greenbush

$215,000

Schenectady

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.

You Have NothingTo Do But Move Right InToThis Beautifully Updated 2 Story, 3 Bedroom, 1 1/2 Bath Home In Desirable North Greenbush, Conveniently Located and CloseTo Everything. EnjoyThoseWarm Nights Relaxing On The Back Deck, Many UpdatesTo Be Enjoyed, New Upstairs Bath, New 500 Square Foot Paver PatioWith Fire Pit.

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$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.

$97,499

Quaint home in desirable neighborhood. Newer roof and furnace. Hardwood floors on 1st floor, carpet over hardwood on 2nd floor. Detached 2 car garage. Must be seen to be appreciated.

www.Life and Homes .com

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(877) 528-LAND

NationalLandandFarm.com

2547 State Route 12b, Hamilton, NY 13346

Marketing Rural, Recreational & Agricultural Properties

FULTON COUNTY - 137 ACRES - $135,000 135 wooded ac+/- with Stream, Waterfalls and a cabin. Boarder on the north side is the Nature Conservancy. The property is loaded with excellent big game habitat with a mix of hardwoods Apples and Pine stands. lots of large animal signs as you walk the land.

The cabin is easily accessible by ATV and has plenty of room for a group of hunters and or a family. Heated by a wood stove and has access to a hand dug well for your water.

S ULLIVAN C OUNTY - R IVER PROPERTY

W /H OUSE - $375,000 This Custom Crafted Beaver Mountain 3 bed 2 bath Log Home is located in the Trout Fisherman’s paradise just on the outskirts of Roscoe, NY, with 150+/- feet of frontage on the world class Beaverkill River. This is the perfect home or weekend retreat less than 2 hours from NYC. This home features all the modern amenities and comfort one could hope for. The Beaverkill River, tributaries and surrounding reservoirs support some of the best trout fishing in the east. This property has frontage on the river and connects some of the most productive and historic trout water pools. This property would be hard to duplicate, and is priced to sell quickly.

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LifeandHomes ■ Capital Region

DELAWARE COUNTY - 128 ACRES - $157,500 Over 3000 feet of road frontage and stream frontage. property borders New York State Land. Flat on the bottom with plateau and vistas from above. Property has ATV trails through out. Excellent hunting and hiking, very rural area. Close to world class trout fishing.

So This Is A Modular?

Other Models Available Each time we welcome visitors to our model homes, folks are amazed to find that our model home is also a modular home. In choosing a new home, it is important to select the highest quality modular home, but most important to select the right builder to complete your new home!

Quality, quality, quality is what you should expect, and highest quality is what we offer to all our home buyers. From the delivery to the finished product, strength and quality is what is most important to us at Bradley Park Builders and our Westchester Modular Homes.

When you plan a fine meal, you purchase the best fresh ingredients from the market and proudly offer your fine finished dinner to your family and friends. With Bradley Park Builders, your new home is carefully finished as if we were building for our own family and would live there. From the strong plywood framing (not particle, chipboard or foam sheathing), your new home will be one you will be proud to show and happy to live in. The total framing package is outstanding!

Using the best components, Merrilat Kitchens, Owens Corning Roofing, Certanteed Siding, Carrier Hvac, Delta, Jacuzzi, Rinnai, here is a home built to last! Select your own flooring, finished on site!

Bradley Park Builders have been in business for over 30 years with the inception of Bradley Park Neighborhood, (a 43 lot subdivision),

and we have been an authorized builder with Westchester Modular Homes over 19 years. We have 50 years of building and remodeling experience, both “stick building” and now modular homes. Our specialized experience consists of real estate sales, planning and zoning, land use.

From starter homes to mansions, your home is most important to us. We offer many, many written references, with many of our new home contracts coming in from referrals of previous customers.

Whether you are looking for a “turn key” home with everything finished from excavation to Certificate of Occupancy completely done, or “builder assist” whereby you do some of the finishing work, i.e. color painting, flooring etc. you can be assured of the best built home available delivered from Westchester Modular Homes, and professionally finished by Bradley Park Builders.

Special designs – no problem, we have only built one standard plan; all others have been custom designs.

From time to time, we also offer incentive programs whereby some of the most popular items can be obtained absolutely free. See for yourself the type of home that fits your needs especially built for you!

Colonial Model Home 1 Summers End, W. Sand Lake. For Sale Now!

Bradley Park Builders, LLC We Serve All Rensseleaer And Northern Columbia And Greene Counties!

Call For Appointment Or Open House Times: 518-674-3047 – 466-2339 www.bradleyparkbuilders.com or email us at bradleyparksub2@aol.com

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7

LifeandHomes.com

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

Altamont

Open Market Listing Service™ Brunswick

$407,500

12 Sunset Drive

$178,900

29 Clinton Av

4 Bedrooms / 2.5 Baths

3 Bedrooms / 1.0 Baths

QSN #376776

QSN #376389

Miranda Real Estate Group Inc. Christina Center

David W. Heer Realty Paul Bouchard

Lic R.E. Salesperson

Realtor

518-573-5635

518-272-4500

ccentermrg@gmail.com

Brunswick

brh@nycap.rr.com

Colonie

$319,900

365 Sweetmilk Creek Rd

$644,900

16 Arborgate Ct

4 Bedrooms / 3.0 Baths

4 Bedrooms / 3.0 Baths

QSN #368552

QSN #355698

David W. Heer Realty David Heer

CMN Real Estate Brent Tague

Realtor

Licensed Real Estate Broker

518-272-4500

518-456-7140

dianeheer@heerrealty.com

Brunswick

Brent@cmnre.com

Glens Falls

$239,900

235 Grange Rd

$349,900

176 Ridge St

3 Bedrooms / 1.0 Baths

Multi Unit Property

QSN #368550

QSN #359005

David W. Heer Realty David Heer

CMN Real Estate Brent Tague

Realtor

Licensed Real Estate Broker

518-272-4500

518-456-7140

dianeheer@heerrealty.com

Brunswick

Brent@cmnre.com

Hudson

$395,000

49 Norman La

$199,900

117 Green St

3 Bedrooms / 3.0 Baths

3 Bedrooms / 1.5 Baths

QSN #375790

QSN #376775

David W. Heer Realty Dean Heer

Davala Real Estate Karen Davala

Realtor

Licensed Real Estate Broker

518-272-4500

518-755-2385

dianeheer@heerrealty.com

Brunswick

karenrealestate@yahoo.com

Marcy

$329,900

$69,900

9 Bleakley Av

Route 291

4 Bedrooms / 4.0 Baths

Close to Nano-Tech

QSN #372582

QSN #376778

David W. Heer Realty John Mainello Realtor

Realtor

518-272-4500

315-792-8043

dianeheer@heerrealty.com

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

Royal-Rose Realty Nicholas J. Cieslewitz Nick@royal-rose.com

THIS WEEKEND‘S

OPEN HOUSES

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

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.

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LifeandHomes ■ Capital Region

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

2547 State Route 12b Hamilton, New York 13346

Open Market Listing Service™ Niskayuna

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

Schenectady

$445,900

49 Gala Pl

$117,900

1543 Van Cortland St

4 Bedrooms / 1.0 Baths

4 Bedrooms / 2.0 Baths

QSN #362924

QSN #362921

Realty USA Rachel Derikart

Realty USA Rachel Derikart

Lic R.E. Salesperson

Lic R.E. Salesperson

518-542-6070

518-542-6070

rderikart@realtyusa.com

North Greenbush

rderikart@realtyusa.com

Troy

$210,000

33 Reichard La

$192,000

2 Hyland Cir

3 Bedrooms / 2.0 Baths

2 Bedrooms / 2.0 Baths

QSN #367619

QSN #371958

CMN Real Estate Karen Ublacker

David W. Heer Realty Catherine Nealon

Realtor

Realtor

518-456-7140

518-272-4500

kublacker19@hotmail.com

North Greenbush

dianeheer@heerrealty.com

Troy

$339,900

8 Crimson Circle

$174,900

9 Patricia Dr

3 Bedrooms / 2.5 Baths

3 Bedrooms / 2.0 Baths

QSN #362922

QSN #375371

Realty USA Rachel Derikart

David W. Heer Realty John Mainello

Lic R.E. Salesperson

Realtor

518-542-6070

518-272-4500

rderikart@realtyusa.com

North Greenbush

dianeheer@heerrealty.com

Troy

$405,900

57 Crimson Circle

$248,500

53 Bellview Rd

4 Bedrooms / 3.0 Baths

4 Bedrooms / 3.0 Baths

QSN #362923

QSN #373805

Realty USA Rachel Derikart

David W. Heer Realty Robert Goldey

Lic R.E. Salesperson

Realtor

518-542-6070

518-272-4500

rderikart@realtyusa.com

Schaghticoke

dianeheer@heerrealty.com

Whitesboro

$399,000

$284,900

1 Brielle Dr

4 Kurts Kourt

4 Bedrooms / 3.0 Baths

4 Bedrooms / 2.5 Baths

QSN #368555

David W. Heer Realty Kevin O’Brien Realtor

518-272-4500

dianeheer@heerrealty.com

FREE Magazine QSN #376777

Coldwell Banker Faith Properties Judy Hinman Realtor

315-735-1727

judy.hinman@yahoo.com

Life and

Homes

™

Call today and ask about our competitive rates and discounts.

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.

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8 Ways First-Time Homebuyers Can

Make Themselves Mortgage-Ready It’s rare to get something right the very first time you try it, but when it comes to buying your first home, a lack of knowledge and experience can lead to costly mistakes. One in four first-time homebuyers say they are completely unfamiliar with the mortgage financing process, according to a report by the Consumer Financial Protection Bureau. Even among those with an understanding of the overall process, the report found that many first time homebuyers still had significant knowledge gaps in important areas such as available mortgage rates, closing costs, down-payment requirements and income required to qualify for a loan.

“Not having all the information available could lead to consumers paying a higher interest rate or failing to secure an affordable mortgage for the home they want,” says Eric Hamilton, President of Vanderbilt Mortgage and Finance. “While most first-time homebuyers understand the importance of their credit report score in securing a mortgage, it’s important they arm themselves with comprehensive knowledge. Fortunately, there’s plenty of useful information out there for borrowers who want to do their homework before diving into the loan process.”

Vanderbilt Mortgage offers eight tips for first-time homebuyers: 1. Adjust your budget. A mortgage payment can increase your monthly housing expenses, so prepare by calculating what that amount will be and begin saving that same amount every month so you can get used to the budget change in advance. Use a free online payment calculator to help you predict your payment and understand your current debt-to-income ratio.

2. Plan for a down payment. Nearly all home loans will require you to put some money down as a down payment. Some home loans may require as much as 20 percent of the purchase cost as a down payment, although some Federal Housing Administration loans may require less.

Decide on the amount you think you’ll need and create a savings plan to help you reach that goal.

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LifeandHomes ■ Capital Region

3. Consider the location and type of home you want to buy. Many factors influence the cost of a home, including its location, size, style and more. A larger home in a high-income area will generally cost more, and property taxes will be higher on a bigger, newer, well-located home.

Many first-time homebuyers find manufactured or mobile homes are a good option. Knowing the estimated cost of the type of home you want to purchase can help you better manage your budget.

4. Stay on top of your credit. Lenders will consider your credit score and report history when determining your mortgage eligibility and the interest rate they may offer you. Make sure to review your credit report in advance. You can download a free credit report once a year from all three major bureaus at www.annualcreditreport.com. If you’re planning to apply for a mortgage, it’s a good idea to review your report more frequently and to consider paying to obtain your credit score from at least one major bureau. If your report contains errors, work with the credit bureaus to have them corrected before you apply for a mortgage.

5. Keep current on monthly bills. While it’s important to save toward a down payment, don’t let monthly bills slide. Paying your bills on time every month can help increase your credit score, and a good payment history is something lenders look for when reviewing your credit report. Use online tools like email reminders and automatic payment options to help ensure you never miss or make a late payment.

6. Work on your debt. If you have delinquent balances, bring them up to date as quickly as possible. If you carry a lot of revolving credit card debt, you may want to work to reduce it by paying more than the monthly minimum payment.

While it helps to have a report that shows no late payments, the most important thing is to not have any delinquent balances before you apply for a mortgage.

7. Plan for escrow. In addition to the amount you will need each month toward repaying your mortgage, you’ll need escrow - an amount added to and collected with each monthly mortgage payment that is applied toward annual homeowners’ insurance premiums and/or taxes. Estimating taxes and total insurance costs can help you better understand how much your escrow will be each month, and you’ll be able to budget more accurately as you prepare for home ownership.

Don’t forget that this amount may adjust every twelve months if your insurance premium or taxes change for the next year.

8. Take advantage of educational resources.

From lenders’ websites to government agencies, it’s easy to find plenty of information online.

Check out resources like the Consumer Financial Protection Bureau, the U.S. Department of Housing and Urban Development (HUD) and the Federal Housing Administration. (BPT)

176 Acre 7200 s/f Luxury Estate with Equestrian Facilities for

SEALED BID AUCTION BIDS DUE ON OR BEFORE JUNE 12, 2015

Open house for Agents and Pre-qualified buyers Sunday May 31, 2015 Noon to 1:30PM. Buyers and Agents can call 315-876-2262 to register.

Upstate Country Estate | 6650 Fox Road Marcy, NY 13403

A one-of-a-kind, expansive 176 acre multi-building property loaded with unique amenities. Features a beautifully appointed 7,200 square foot 5 bedroom home, with plentiful natural light, large open rooms, and a huge central kitchen with custom cabinets, granite countertops, and dual kitchen islands. High end 4 stall equestrian barn with post and board wood fenced pastures, an outdoor sand riding ring, and trails. 30x56 foot insulated pole barn with front and rear overhead doors, lean to, and wood stove. Ideally positioned country living near the NYS Thruway--just one hour from Syracuse, and 1.5hrs from Albany.

Unique features: in home 9 seat tiered movie theater, 15 camera security system with mobile and internet access, heated salt water pool, invisible dog fence inside and out, automatic full back-up natural gas powered generator, drive out basement, 1.25 acre pond fully stocked with bass and sunfish, outdoor wash bay for large equipment, driveway alarm, and much more!

Starting Bid Price $1.00 | Buy It Now/List Price $1,400,000.00

How to Bid: Call Representative Below and/or visit UpstateCountryEstate.com to download bidding packet.

Michael R. Franklin

Licensed Real Estate Broker

1406 North State Street Syracuse, NY 13208 (o) 315.876.2262 www.FranklinRuttan.com www.UpstateMansion.com

Deborah Hapanowicz

Licensed Associate RE Broker

2306 Genesee Street Utica, New York 13502 (O) 315-735-2222 315-723-7210

DeborahHapanowicz@Gmail.com June

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www.Life and Homes .com

11

LifeandHomes

™

12133 NYS Rt 28, Woodgate

Commercial Section $499,900

Fully furnished log home with Master Suite, 2 bedrooms and 2 full baths PLUS 2 Successful businesses on premises.

Situated on 26 Acres of woodlands!

Adirondack Hearthside Realty, LLC

Elise LaGrange, Lic. R.E. Salesperson 315-369-5440 • adkrentals@yahoo.com

Office Space Available 11 Furnace Street Oriskany NY 13424

FIRST 3 MONTHS RENT FREE! ACHTREE Please call for details.

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

48 1st St $195,000

629 3rd Ave $279,900

Great investment opportunity. Rents are low...have not been raised in years.

All separate utilities. 4 new boilers. Two new hot water tanks.

CMN Real Estate 1510 Central Ave #380 Albany NY 12205

518-456-7140

www.cmnre.com

Monthly Lease Includes:

9 Unit: Many updates over the past few years including a new roof and windows (2010) Hardwired smoke detectors, sprinkler system, updated kitchens and baths in some units.

2000 S/F Garage/Carriage House

CMN Real Estate 1510 Central Ave #380 Albany NY 12205

518-456-7140

www.cmnre.com

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

• Internet • Security/Fire System • Electricity • Breakroom • Can be modified to suit tenant • Heat/AC • Conference Room • 5600 square feet plus usable space • Private Parking • Cleaning of Offices • Monthly Office rents start at $200 • Snow ByPlowing providing access to both equity• Storage and debt(additional markets,monthly we are charge) able to offer struc

to address rapidly changing markets, create the optimal capital structure, acces capital, and enhance the value of complex transactions. Selecting debt, equi To Arrange a Walk-Thru Appointment, capital can represent the most critical and diffi Please Call Ed or Dick at cult component of any real est requires seasoned professionals with proven track records of su

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

Commercial Lending Source BANK QUALITY LOANS - COMPETE WITH THE BANKS! 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.

• Full Document Commercial Loans from $100,000 - $5,000,000 • 30 Yr Amortization with up to 10 Yr Fixed • LTVs up to 75% on most commercial Property Types (1st Liens only) *Select states and programs only

We work with A-D Credit, Other Programs Available.

For more information, please contact:

Joel Siegfried • 315-796-2258 • jsiegfried35@gmail.com 12

LifeandHomes ■ Capital Region

Are You Looking to

Sell Investment Properties?

We are always looking for Buyers!

5298 Terry Road, Syracuse $695,000 (fully leased office/retail building, 10 year leases)

612-614 West Seneca Tpk,Syracuse $199,900 (4 unit fully occupied)

3208 West Genesee St, Syracuse $995,000 (fully leased office/retail building, 15 year leases)

Delta Lake Property 6642 Stokes-Westernville Road, Ava, nY - 4 bedroom, 2 baths, garage. Situated on 8+ acres. Can sub-divide into 5 building lots. Also zoned recreational. 475’ Lakefront. $575,000 6.5 Acres - City of Rome Commercial Property Land development at the corner of Liberty & Gifford Road. Suitable for condos and townhouses.Water, sewer and gas. Close to shopping.

Variance required. $195,000 FIRM.

Allied Real Estate Investment Network

Joel Siegfried

315-793-7580

315-796-2258

Licensed R.E. Broker

286 Genesee Street utica nY 13502 Properties Brokered Through SBG Inc.

Brokers Protected

jSiegfried35@gmail.com June

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www.Life and Homes .com

13

BIRD’S

Adirondack Real Estate 2730 Route 28, Old Forge, NY 13420

315-369-2136

Check all the listings at: www.birdsadkrealestate.com

tuttle Rd.,old Forge

$849,000

year around 4 bedroom ranch home with boathouse on 100’ of lakefront. features sun porch & walk out basement facing 3rd lake. appliances - basement - dining Room - family Room fireplace - Hardwood floors -deck / patio - view -boat house included - Workshop.

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.

14

LifeandHomes ■ Capital Region

www.LifeandHomes.com

ask the expert Looking for Answers to Your Home Related Questions?

Search no further! Consider Your Local Business Expert!

Auction Service BROZTEK’S 315-678-2542 315-678-2000 Member Since 04/15

Home Inspection

VSI LLC Auctioneering experience you can count on

518-371-7944

Serving the Capital District since 1993. nYS

with a name you can trust. www.broztek.com

Member Since 01/15

Licensed Home Inspector, Lic # 16000005522; nYS Certified Pest Inspector #T5685318; nYS

Member Since 01/15

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

Member Since 01/15

Insurance MARYANN O’BRIEN Your Local Farmers Agent Currently Offers Savings 518-280-1396

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

Member Since 02/15

at no extra cost, Dedicated customer care

Land NATIONAL LAND & FARM 1-877-528-LAnD Looking for Rural, Recreational, or Agricultural Member Since 02/15

For: Auto, Home, Life, Collectable Auto, Business, Renter, Boat, Personal Watercraft, Motorcycle,

Talk to us for all your credit repair needs, From Credit Monitoring like LifeLock, to our credit restoration services.We can get your credit back

Member Since 01/15

Liability for you and your business.

Properties? Check out our network of Real estate Brokers Specializing in Land and Farm Sales. www.nationalLandandFarm.com

Property Preservation

Condo, Mobile Homes, Recreational Vehicles

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

Medical Supplements, Medicare Advantage, Prescription Drug Coverage

Certified Codes Officer

Energy SOLAR CITY 518-727-2012

JOEL E SIEGFRIED Life, Health, Annuities; Including Long Term Care, 315-796-2258

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

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

176 Acrein7200 s/f Luxury Estate with Equestrian Facilities for Sealed Bid Auction 12, 2015 shape and working for you. services, and repairJune and remodeling.

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

Little Falls

$450,000 Beaver Lake Watson

Tibbitts Road -historic circa 1870 farm on 30.7 Acres completely renovated. Original woodwork, 18 rms, 4 br, 3 new baths. Gourmet kitchen large bluestone patio, creek frontage private, picturesque setting. Totally renovated home was built for Dr. William Tibbitts in 1870, who became a local politician & social figure in Herkimer County. NowadagaCreekFarm.com

Wolfe Road - Rustic Adirondack Great camp built by the family that founded the National Cash Register company. Main lodge with majestic fireplace and four bedrooms. 1250’ of water frontage on peninsula. Boat house with two bedroom apartment right on water.

Beach house with kitchen and one bedroom.

Beach area.

St. Johnsville

$795,000 Cooperstown

Mill Road - 1830s stone mill with magnificent waterfalls turned luxury home or B&B. Grounds with trails around creek and falls like a state park. BeekmanBrothersMill.com

1406 North State Street Syracuse, NY 13208 www.FranklinRuttan.com www.UpstateMansions.com

$925,000 Marcy

Keys Road, Middlefield - Nestled in the hills above Cooperstown this 7200 s/f contemporary cedar built home stands 2.5 stories high w/walls of glass, 100 s/f. of hardwood, floor to ceiling fireplace, dream kitchen w/ culinary island, granite, Jenn Air appliances, amazing 17 seat state of art theater, game room & more. CooperstownEstate.com

$1.4 M

Fox Road - 176 acre, 7200 s/f luxury estate w/ equestrian facilities, loaded w/ unique amenities. Features a beautifully appointed 7,200 s/f 6 bedroom home, w/ plenty of natural light, large open rooms, & a huge central kitchen w/ custom cabinets, granite countertops, & dual kitchen islands. UpstateCountryEstate.com Sealed Bid Auction. Bids due on or before 6/12.

Michael R. Franklin Licensed Real Estate Broker (o) 315.876.2262 June

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www.Life and Homes .com

15

160 Acre Hobby Farm $250,000

Gentleman’s Farm

Southern Otsego County. 160 acre Hobby Farm. 40 acres in good hay meadows. 60 acres of good pasture w/year round pond. Balance in nice clean woods. Older 2 story 4 bdrm farm house in good to fair condition.

30x50 pole barn and small run in shed. An excellent farm to run beef or horses & make hay. Close to I88.

Easy to get to. Short drive to shopping and hospitals, yet in the country. Spectacular views, very nice setting. $250,000 or best offer. ** Could be bought with less land.

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 $144,900. Sellers are motivated.

Victorian Manor

Gentleman’s Farm

$250,000

Buy on a beautiful set of buildings. Drastically reduced from $399,000 to $269,000

Specializing in Commercial Real Estate Sales, Leasing, Consulting, Development & Management 5 Oxford Rd., New Hartford • (315) 736.1555 PaviaRealEstate.com • Licensed in NY and PA

For Lease: 106 Memorial Parkway, Utica

6,000 +/- office space available. Co-tenancy with Utica School District. Owner will build to suit. On-site parking.

For Sale: 2310 Genesee Street, Utica

2,587 +/- SF office building available in prestigious South Utica location. High traffic & visibility. Parking in rear with one stall attached garage.

For Lease: 8195 Seneca Turnpike, New Hartford

3,066 +/- SF Former Landmark Restaurant & Bar– Marc’s Seneca Inn. Turn-Key Restaurant, great location, draw from Clinton, Whitestown & New Hartford.

16

For Lease: 706 Erie Blvd. W

900 +/- SF office/retail spave available. Co-tenancy with Enterprise Rental Car. Highly visible corner location.

For Sale: 2199 Bleecker Street, Utica

1,562 +/- SF commercial building available. Recently renovated.

Across from the Masonic Care Community. Open floor plan with excellent office opportunities.

For Sale: 1122 Kossuth Ave., Utica

13,272 +/- SF building available. 1st floor office with 2 loading docks & 3 overhead doors. 2nd floor 3-bedroom apt. and 3rd floor open space.

LifeandHomes ■ Capital Region

$529,000

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. Asking $529,000.

1870 Victorian Manor. Refurbished 4,000 sq ft Victorian home w/matching Carriage Barn, Studio Barn & Storage Bldg. 40x80 Pole barn on 3 1/2 acres. Great

Dominic Pavia

$144,900

Patrick V. Agen

For Sale: 7391 Cider Street, Westmoreland

7,200+/- SF warehouse available. Three 14’x 14’overhead doors.

High ceilings, close to NYS Thruway Exit 32. Room to expand.

For Sale: 7 Hopper Street, Utica

6,231 +/- SF building with high architectural ceilings & molding with some hardwoods. Office space on each floor, library & conference room. Parking in rear. Asking price $129,900.

For Lease: 1705 Burrstone Road, New Hartford

3,792 +/- SF retail/office space available. Close to Slocum Dickson, Utica College, St. Luke’s Hospital & Utica/New Hartford Business Park.

Brian Snow

John Jweid

For Sale: 12970 NYS Route 12, Boonville

6,580 +/- SF class“A”office building situated o 4 +/- acres. Can easily be converted to Medical Office. Great location to serve the Boonville rural community.

For Sale: 2312 Genesee Street, Utica

2,800 +/- SF building available. First floor office space, 2nd floor has two-1 bedroom apartments. Situated on double lot. Parking lot in rear.

For Lease: 9559 River Road, Marcy

4,480 +/- SF warehouse building. 3 phase electric, oil separator 2 overhead doors, 16’ceilings, gas radiant heat.