Life and Homes Capital Region

Life and

Capital Region

Homes

FREE august 2016

Residential • Commercial • Multi-Family • Land

Affordable Elegance Honey Stop The Car Sizzling Local Listings

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Local Real Estate Magazine

See This Featured Property on Page 12

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Non-homeowners repaying their student loans on time believe their debt is stymieing their ability to purchase a home and slightly over half of all borrowers say they expect to be delayed from buying by more than five years, according to a Student Loan Debt and Housing Survey by the National Association of Realtors® and SALT®.

Capital Region, NY Edition Account Executive/Owner

David Lisi 315-865-5845

david@lifeandhomes.com

The results also revealed that student debt postponed four in 10 borrowers from moving out of a family member’s household after graduating college.

Would-be sellers among the group are also feeling the pinch. Nearly a third of current homeowners said their student debt is postponing them from selling their home and purchasing a new one. Of those, 7 percent have problems with their credit caused by student loan debt, and 6 percent are underwater because student debt has limited their ability to pay more than the minimum payment on their mortgage.

Fortune Magazine sees it differently. “There isn’t any proof that higher student loan debt is actually causing young people to own homes at lower rates than they did in the past, or that the overall student loan burden is leading to a smaller share of first-time home buyers. These trends could be caused by other factors, such as a cultural shift that has led young adults to delay all sorts of decisions, from buying a home, to marrying and having children.”

Corporate Editor

Kim Lisi

Kim@LifeandHomes.com

David P. Lisi, RMC

Real Estate Marketing Consultant 315-865-5845 • David@lifeandhomes.com

Ting Khumkwa 315-240-0553 ting@lifeandhomes.com

Table of Contents

Advertising Deadline

Magazine Deadlines Page News Shorts Front Cover Feature Home

2 3-4 12-13

House Listing Directory

18

Editorial

19

Ask The Expert Business Directory 20 Despite the challenges, most college grads are “typically better off than 22 those that didn’t pursue higher education, even with the student loan Commercial Section albatross around their white-collared neck,” says Rick Munarriz of USA Today. “The housing industry would be better off if colleges were cheaper or if student debt levels were lower, but the same can be said about purchasing power in general. At the end of the day, debt-saddled or not, the housing industry needs its college graduates.”

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Front Cover Featured Home 60 Jean Place, Guilderland For more information on this Front Cover Featured Home, See Pages 12-13

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September Issue

July 29, 2016 For advertising rates & info, contact David Lisi 315-865-5845 david@lifeandhomes.com Published by Corporate Office D avid Lisi, OW NER 315-865-5845 David@LifeandHomes.com www.LifeandHomes.com/CR-NY

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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.

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Save Money And Energy Here’s a cool idea: If your refrigerator is 15 years old or older, replacing it with a new ENERGY STAR® certified one can save you $260 over the next five years and reduce your carbon footprint.

According to the U.S. Environmental Protection Agency, if all refrigerators 15 years old or older in the United States were replaced with new ENERGY STAR models, Americans would save more than $1 billion in annual energy costs and prevent greenhouse gas emissions equivalent to those from more than 1 million vehicles.

There are an estimated 170 million refrigerators and refrigerator-freezers currently in use in the United States. More than 60 million are over 10 years old, costing consumers $4.4 billion a year in energy. A new ENERGY STAR certified refrigerator uses less energy than two 60-watt lightbulbs and includes energy-saving features that provide performance benefits, such as: • Quieter, high-efficiency compressors that create less heat; • Improved insulation in doors and exterior walls to help food stay cold and muffle noise; • More precise temperature and defrost mechanisms that help the refrigerator operate more efficiently; • Innovative drawer designs and improved temperature controls to keep food fresher, longer.

It can be better for you and the environment to replace your old refrigerator than to hang on to it.

Plus, keeping a second refrigerator in your basement or garage could be costing you $110 every year. Just make sure to properly recycle your old refrigerator to prevent the release of refrigerants and foams that contribute to climate change.

For more savings, certain utilities offer rebates you can apply to the cost of an ENERGY STAR

newsShorts

refrigerator or toward properly recycling your old refrigerator.

For information on rebates and other special manufacturer offers, visit www.energystar.gov/flipyourfridge. (NAPSI)

Turn Your Empty Attic Into New Living Space

When your family outgrows your home’s available space, moving to bigger digs isn’t always the best option.

Maybe you really love your current home. Perhaps you can’t find a bigger home in your price range in the area of your choice. Whatever your reason for staying in place, expanding the home you already have can be a costeffective option when your family needs more room.

Converting an unused attic into usable living area is a reliable, cost-effective way to gain more space in a home. It’s also a good investment; when you add an attic bedroom, you can expect to recoup about 77 percent of the construction cost when you resell the house, according to Remodeling Magazine’s Cost vs. Value Report.

Three time-tested techniques can help you turn an empty attic into the extra space you dream of: 1. Rely on natural light for beauty, visibility and cost savings. Attics don’t usually have many windows, and adding them can be difficult if the ceiling is sloped. Adding dormers - a typical solution - can be costly and time-consuming, and eat up wall space that is often at a premium in attics.

Skylights or roof windows can be a better, more cost-effective way to bring natural light and fresh air into an attic. Installation is faster and cheaper than adding dormers, and they work well on slanted ceilings. Energy Star-qualified, solarpowered, fresh-air skylights like those from Velux America make it easy and affordable to bring natural light and fresh air into an attic space.

Add solar-powered blinds in designer colors and patterns, and the skylight becomes an even more valuable piece of the room’s overall decor. Solarpowered skylights close automatically in case of rain. They, and the blinds, are operated by programmable remote control, making it easy to adjust the amount of sunlight that enters the space.

Both products, plus the installation costs, are eligible for a 30 percent federal tax credit to the homeowner.

Learn more at www.whyskylights.com.

2. Pay close attention to insulation. In any home, the attic is often the hottest spot in the summer and the coldest in the winter. The amount and quality of insulation in the attic directly affects the comfort level in the space - and the overall energy efficiency of your home.

Have an insulation pro evaluate the insulation in your home’s attic before you begin planning your conversion. You may need to add insulation or even replace older, inefficient types - a move well worth the investment since insulation is so important to your home’s overall comfort and energy efficiency. Many insulation pros will recommend spray insulation for attics because it goes easily between existing joists. Plus, it can create a tight air barrier without losing the inches of space required for thick fiberglass batt insulation.

3. Get smart about plumbing. If your attic conversion will incorporate a bathroom, good for you! Bathroom additions return more than 56 percent of your initial investment when you resell, according to the Cost vs. Value Report.

If pipes are already present in your attic, adding a bathroom can be simple. If no plumbing exists, consider cost-effective alternatives that will have less impact on the space, like up-flush plumbing.

Because it fits into the kind of tight spaces that often occur in attics, up-flush plumbing can be an easy, cheaper way to plumb a sink, toilet or shower stall in an attic space.

Converting an unused attic into living area can be a great way to expand your space without moving.

Plus, when you finally are ready to move one day, that attic renovation may end up paying for itself by boosting the sale price of your home. (BPT) August

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www.Life and Homes .com

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Does Your Door Lock Protect Against This Break-In Method?

From self-driving cars to Snapchat, digital technology continues to transform almost every aspect of our lives.

While these big-ticket smart items make the headlines, many homeowners are more interested in how smart technology can be used to increase their level of home security.

Today, advanced image sensors, indoor video cameras and DIY security hubs allow the average homeowner to install security systems that are directly linked to the police. Homeowners can also lock doors and check cameras from their phones, regardless of their location.

“No matter how advanced your security system, your home is only protected as much as your weakest link,” says Randy Johnson, a professional locksmith with Lock-Tech in Orange County, California. “Far too often, it’s the weak door lock on the door that thieves use as their entry way into a home.”

Recently, Good Morning America reported on the increase in the use of bump keys to break into homes. Bump keys can be purchased online and fit into just about any door lock. A burglar needs only to hit the head of the inserted key with a hammer or a blunt object.

This causes the pins in the lock to jump, allowing anyone to unlock the door and easily enter your home. Because this entry method is not easily noticeable, many people don’t even know their home was broken into.

The importance of having the right kind of door lock on your home cannot be overstated.

Kwikset SmartKey locks are built with a patented BumpGuard technology that prevents would-be burglars from breaking into your house with a bump key. Available in door knobs, door locks, smart locks, handlesets and more, there’s a Kwikset door lock with SmartKey security to fit virtually every door.

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LifeandHomes ■ Capital Region

newsShorts

While there is no shortage of smart security options for your home, the Kwikset door locks specifically respond to a very real threat.

This technology will be welcome news for moms and dads looking for the best way to protect their family and keep their valuables secure. (BPT)

Catch ‘em Before They Bite Mosquitoes cause more human harm than any other living organism, according to the American Mosquito Control Association. Not only do these buzzing insects induce itchy red bites, but some species are also responsible for the spread of the Zika virus, which has caused concern in South America, the Caribbean and now throughout the United States.

According to the World Health Organization, as many as 4 million people worldwide could be infected before the end of 2016.

“For people concerned about mosquitoesregardless of the health risk-there are several steps you should take to keep these pests out of your yard and away from your family,” says Dr. Stanton E. Cope, director of entomology and regulatory services for Terminix.

Remove sources of standing water Mosquitoes only lay their eggs in standing water, so be mindful of any place where water could pool near your home. Children’s toys, buckets, shovels, plastic covers and old containers can contain standing water and are some of mosquitoes’ favorite places. Other likely spots include water caught in garbage cans, near gutter downspouts and other poorly drained areas.

Preventing mosquitoes starts with habitat reduction.

Change water sources weekly If you have outdoor pet bowls, fountains,

birdbaths, rain barrels or flower pots, be sure to empty or replace the water in them at least once per week to break the mosquito breeding cycle. Keeping these water sources clean will prevent any mosquito larvae from having time to develop.

Protect yourself Wear long-sleeved shirts and pants when possible. When outside use EPA-approved mosquito repellants that contain DEET, picaridin or oil of lemon-eucalyptus. If you are traveling outside the U.S. it is especially important to wear effective insect repellants and protective clothing. Mosquito-borne diseases that may be rare in the U.S. are common in many foreign countries.

Properly maintain your pool Mosquitoes will use any source of water to lay their eggs, even an inground swimming pool if it’s not properly cared for. This offers a large area of water to fill with eggs. Keep up with your pool’s water treatment plan, filters and water circulation to keep the mosquitoes away.

Additionally, plastic kiddie pools also need to be checked for signs of insect activity.

Check screens and entry points At about one-quarter to one-half of an inch in their adult stage, mosquitoes are small enough to fit through almost any entrance of your home. This means they can sneak in unannounced through the tiniest cracks in your home or garage. Check the seals on your doors, windows and porches, and make sure everything is properly screened off for a mosquito-free environment.

Call for backup If the mosquito population in your yard is beyond your control, don’t be afraid to call for help.

Pest management professionals, such as Terminix, are trained to know exactly where mosquitoes are hiding and the best methods to control their population. They’ll target areas around your home to attack these pests at the source.

Don’t let pesky mosquitoes keep you from enjoying the summer months. Follow these steps to decrease mosquitoes and increase your peace of mind.

Queensbury/Glens Falls/Lake George 63 Quaker Rd.,Queensbury, NY 12804

518-798-3636

RealtyUSA.com

Julie A. Snyder

Licensed Real Estate Salesperson Senior Sales Associate (C) 518-260-6732 juliesnyder@realtyusa.com

Working Tirelessly on Behalf of My Clients’ Needs!

12 Shore Acres, Queensbury

$2,795,500

Step back in time and have your family relax, play and create their own memories in the magnificent Shore Acres Estate. The stately, elegant 1845 brick Colonial house, along with the 3 bedroom guest house, is situated on 2.8 acres which butts up to 225’ of idyllic lake frontage on the ‘’Queen of American Lakes’’, Lake George. Play games on your expansive waterfront lawn, or on your private sandy beach. 8 dock slips and a covered crib dock with sundeck await you for water fun. At the end of the day enjoy quiet Sunsets from anywhere on your family compound. MLS# 201505342

51 Grove, Glens Falls

$169,900 143 Coolidge Hill Rd, Diamond Point

18 Sheridan St., Glens Falls

$189,900 1 Pearl St, Hudson Falls

New Price. Beautifully maintained and updated city home with original maple hardwood floors and staircase. Marble tile entry, 3 bedrooms plus a den, screened in back porch, fenced in landscaped yard on a quiet street.

MLS#201609235

10 year young city home With 2 car garage. Lots of windows, A/C, gas fireplace, full basement, storage over garage, and easy maintenance with a small yard. Walking distance to enjoy everything Glens Falls has to offer.

MLS# 201525122

$189,900 New Price. Lovely Hillside Ranch with 3 bedrooms and an office or nursery. Large deck overlooking the beautiful forest setting. Finished walkout basement with wood stove. Low taxes!

MLS# 201608348

3616 Echo Bay Lane, Fort Ann

14 Fort Amherst Road,

$414,900 794 Ridge Road, Queensbury $445,000 55 Holly Drive, Lake George

$372,000

$169,000 55 Blind Rock Rd, Queensbury $259,000 2409 St Rte 28, Johnsburg

$174,000

Beautiful 6 bedroom, 4.5 bath,Dutch Colonial City Home. Wood floors, 3 fireplaces, high ceilings with crown molding, built-ins, Stainless appliances, granite counter tops, master suite, finished basement with media room, large fenced yard with in-ground pool,covered porch, in-ground sprinklers, and shed, 2 car garage. All in a wonderful neighborhood.

MLS# 201604273

$159,900 61 Sherman Ave, Glens Falls

New Price. Here is your chance to own this Beautiful 1817 home, known as the Griffin House, in the historic area of Hudson Falls. This 4 bedroom 2.5 bath house has tons of charm, with built-ins, wood floors, crown molding, cedar closet, fireplace and more. Perennial gardens, and large yard, completes the picture for this beauty. MLS# 201600132

This Classic city home has been lovingly maintained by the same family for over 47 years. Hardwood floors throughout, French doors, Fireplace, new A/C & furnace, wonderful 3 season porch, 4 bedrooms, sleeping porch, Huge double lot, lots of off-street parking, and 3 blocks from downtown makes it a perfect location. MLS# 201503337

$995,000

DIRECT Lake front 3 bedroom 2 bath home with additional Bunkhouse in beautiful Isom Bay! Direct unobstructed view of the main lake. Full kitchen, cathedral living room with fireplace and screened in porch. Bunkhouse has 1 bedroom, 1 bath and a sitting area. Both share 150’ Lake Frontage and covered crib dock. Enjoy spectacular sunrises over the bay and Pilot Knob Mountain, water views to the north and coveted calm water docking. Excellent rental history. MLS# 201603760

Stunning Park-like setting for this 100+ year old farmhouse. 2 additional building lots, original post and beam barn and detached 2 car insulated garage with office area above. 4 bedrooms, 2.5 baths, built-ins, fireplace, recently updated eat-in kitchen with pantry, living room, family room, and dining room. MLS# 201601055

Lovely private setting for this large 5 bedroom 2.5 bath home. Formal Dining room & Living room, family room with fireplace, A/C, Wood floors under carpet, whole house generator, 2 car garage and large landscaped fenced in yard.

MLS# 201520129

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Fabulous location! Walking distance to Lake George Village yet outside enough to enjoy peace and quiet. This 4 bedroom 3 bath home has a master suite, first floor bedroom, granite, family room, living room, dining room, solarium, loft/office, 2 sided gas fireplace. MLS# 201601118

Motivated Seller! Step bank in time to this historic farmhouse with modern day comforts. Oldest farmhouse in Wevertown has been skillfully remodeled with rustic charm. 3 fireplaces, fantastic kitchen, large gracious front porch all on 4.1 acres.

MLS# 201526170

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Joe Mulone • Lic. R. E. Salesperson 518-813-6514 • jmulone@verizon.net

78 Scotch Bush Road Burnt Hills NY 12027

www.garnetrealtyny.com

Looking For a Dynamic Realtor To Help You Buy or Sell a property?

David E. La Mar Licensed Realtor

C- 518-410-1409

Dlamar5126@aol.com

Yankee Realty Inc. 1719 Central Ave, Suite 101 Albany NY 12205

Great Rates • Dependable Service In House Processing and Underwriting

Bob Kelly

Mortgage Loan Originator SEFCU Mortgage Services NMLS #309847 700 Patroon Creek Blvd. Suite 310 • Albany NY 12206

(518) 783-1234 Ext 8604 • (518) 330-9201 (Cell) bkelly@sefcumortgageservices.com www.sefcumortgageservices.com/robert-kelly

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LifeandHomes ■ Capital Region

DAVALA Karen Davala REAL ESTATE 518-755-2385

Guilderland

15 Seeley Drive - Don't miss out on this 3 bedroom, 2 bath, 1800 sq. ft. home! Updated kitchen with granite counters, stainless appliances. Updated baths, newer roof, family room or man cave with fireplace in lower level. Sliding door brings you to your large fenced in yard with an in ground pool. MLS# 201610146

119 Main Street, Philmont, NY www.davalarealestate.com 17 Summit Street, Claverack

$129,000

Affordable two family home for sale, a few miles outside the City of Hudson. This house is perched on a hill overlooking Summit Lake and the Old Mill. Walking distance to village amenities including restaurants, shops and deli. Close to hiking, park recreation and Hawthorne Valley Farm and Store. Now is the time to purchase an affordable income producing property in this up and coming Village.

9 Martindale Road, Claverack

$199,500

43 Prospect Street, Claverack

$172,000

Albany

Let us help you make your next move.

$219,900

69 Pinewood Ave - Well maintained 2 Family home in great neighborhood.

Large apartments, new roof and many updates. Call today for a showing!

MLS# 201611918

Should I rent or own? How about both! This two family home offers a separate two bedroom cottage and a three bay garage. Plenty of rental income or live here and have income pay expenses. Left side of the house has been recently updated while maintaining the integrity and character of this home. This duplex is ideally located seconds to Summit Lake and The Vanderbilt Inn, the Village of Philmont, minutes from the Taconic State Parkway and Hawthorne Valley Farm.

Village Duplex available for owner occupancy with rental income or as an investment. Each unit has a living room, dining room, and kitchen with three large bedrooms. The side yard has plenty of room for all to enjoy outdoor activities or gardens.

A quick walk will get you to hiking, shopping, parks or Village amenities. This location is sure to please any occupant.

$239,000

Michael Brown

Principal Broker

Kearney Brown Realty

215 Delaware Ave • Delmar, NY 12054 KearneyBrownRealty.com August

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mkbrown111@msn.com cell: (518) 858-1944

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Jack Callery Real Estate

23 Cady Street | Johnstown | New York | 12095 | 518.848.1338 or 518.762.1884

109 Maloney Road, Johnstown

$315,000

This Executive Home is ideal for a growing family, boasting 4 bedrooms, 6.9 Acres of land consisting of a Par3 Golf Hole,Inground Pool,Circular Driveway, 3-Car Garage and Workshop, Trout Stream running through property and rated Class A from the State. Proffesionally Lanscaped land and woods. The Home boasts a brand new kitchen, Formal Living and Dining Rooms, Hot water baseboard heat with an optional Pellet furnace or Oil. Your Choice! Please note: Listing Broker is related to the sellers. This home is less than 30 minutes to Downtown Saratoga. MLS# 201605358

128 Paradise Point Road, Mayfield

Year Round Home sitting directly on the Great Sacandaga Lake with 150 Ft. of Sandy Beach and Fantastic views of the mountains and lake. This Home also boasts 4 bedrooms, 2 full baths Large Kitchen, Open Dining and Living room, Family Room with a stone Fireplace with Panoramic views attatched 2-car garage and 3 bedrooms up with a full bath and a bedroom in the basement .

Call 24 hrs. ahead for easy showings.

MLS# 201606798

Julie Sonner Licensed Real Estate Salesperson Cell: 518-605-0883

480 Balltown Road Schenectady, NY 12303

Office: 518-370-3170

$599,000

3 Church Street Johnstown, NY 12095 P: (518) 762.8001

Colleen Ioele-DeCristofaro Lic. R.E. Salesperson & NYS Certified Appraiser

C: 518-281-4467 • colleend.cmk@gmail.com

Deeded Lake Access Fulton

$60,000

761 West Fulton Rd - Hunters come take a look.

Back borders State Land, includes drilled well, septic, electric, cable and foundation. Ready to be your home away from home, turn it into a year round home or build your dream home. Land only $60,000. MLS# 201420632

Richmondville

$130,000

184 Mountain Crest - This is a great secluded home Sit on the deck and watch the wildlife. House has 3 bedrooms 1 bath. Large 2 car garage, also small barn on the property, additional small cabin with 1 bedroom 1bath and an old camper with an addition for additional guests. MLS# 201606073

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Schenectady

$112,000

Charleston

$203,250

1304 Baker Ave - This 4 bedroom house is in good condition, with a large back yard off street parking.

Sit on your front porch and watch the neighborhood or on your back deck and relax. Ready for you to make it yours, it is Move-In-Ready. Turn it into your dream home. MLS# 201606298

427 Polin Road - Gentleman’s farm, 20+ acres w/ fruit trees, rock gardens, streams & barns, would make a great Organic farm, land is level. House has been cared for & updated, fenced area, barns are ready to bring your larger pets, chicken coop, new garage, new windows. MLS# 201612562

LifeandHomes ■ Capital Region

159 Maplewood Drive, Gloversville

$299,900

Custom Log Home with deeded lake access to Peck’s Lake. Beautiful hardwood floors, cathedral ceilings, seasonal views and year-round enjoyment! Large wrap-around deck, central air, gas stove with brick hearth in livingroom and finished basement. Enjoy a short walk to the lake and enjoy summer evenings on the water. Laundry room on first level, Jacuzzi tub in master bath, large shed for all your toys and so much more! Come take a look at this gem in the Adirondacks!

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It’s all about Trust… I value your trust in me above all else.

Buying or Selling a Property is one of the most significant steps you will take along life’s path. It requires welltimed, accurately informed decision making, guided by trustworthy, experienced and resourceful professionals. My reputation has been built on the positive results of guiding clients through this important process with reliable and respectful expertise. Give me a call, email or text – you’ll be glad you did! I work by referral.

The proof of my success is evident by the weekly referrals I get from happy clients who have told others about their great experience. Working by referral is how I prefer to do business, always giving my best and the business follows.

Lisa Wloch

Licensed RE Salesperson, Realtor®

Lisa Wloch is recognized by The National Association of REALTORS®: e-Pro® Certified • Accredited Buyer’s Representative - ABR® Designation Seller Representative Specialist – SRS™Designation

(C) 518-588-1239 call/text lwloch@cmfox.com 2390 Western Avenue, Guilderland, NY 12084 • (O) 518-861-7030 • www.cmfox.com

A few testimonials...

“We chose to have Mark Burlingame and Lisa Wloch market our home in Guilderland, based on recommendations from friends and neighbors. It could not have been a better choice! Mark and Lisa treated us in a professional way from beginning to end. Their team philosophy made us very comfortable, and they were immediately responsive to all our concerns and questions.

Mark’s untimely passing was a real blow to everyone, however, Lisa continued on in the same spirit that they had worked with together, and was able to accomplish the sale of our property, in spite these most difficult circumstances. We think Lisa Wloch is the [agent] Realtor ® of choice to market any property in the Capital District…” - Sincerely, Don and Candy Dries “We will never forget you and Mark and your commitment, dedication and utmost caring and professionalism at all times…You can be sure whenever we have an opportunity, you will be highly recommended by both of us to anyone in the market for a top agent and [agent] Realtor®.”

-Joyce & Kurt Anderson “Jim and I want to thank you for all you have done for us. You certainly are the best Real Estate people we have ever met…” -Betzi & Jim Sheff “Lisa….By the way, thank you so much for all your time you spent with us…Your willingness, knowledge, follow up and diligence on the showings impressed me a great deal. At the same time I was looking...I saw a few other higher end properties from brokers with more of a TV presence and was entirely unimpressed (taking calls, multiple appointments, no attention span, no information, etc.). Rest assured, if anyone asks who I would use, your name would be the first one.” -John Q

August

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Moving YOU Closer To Your Dreams One HOME at a Time!

Serving the Capital Region

Specializing in Residential & Commercial Real Estate Professional, honest and dependable, I’ll provide you and your business the best representation available.

I look forward to working with you and showing you why Racing City Realty is “Your Best Bet for Saratoga Springs Real Estate”

Flora Garrett

Lic. R.E. Associate Broker Racing City Realty

C: 518.588.4003

Email: Flora@RacingCityRealty.com

Marketing Rural, Recreational & Agricultural Properties

(877) 528-LAND • www.NationalLandandFarm.com 2547 State Route 12b, Hamilton, New York 13346 10

LifeandHomes ■ Capital Region

Gated Country Estate minutes from East Greenbush Town For Sale $499,000

• Lovely Victorian home with five bedrooms, three full baths plus a half bath • Over 6 private landscaped acres with Koi ponds and mature foliage • Spectacular view of Albany skyline; In-ground pool and deck

• Large paved area and gated entrance • Fenced in area for pets, trees and ponds for outdoor living.

• Remodeled kitchen, formal dining room and living room with gas fireplace.

• This a “must-see” for anyone looking for luxury in close proximity to downtown Albany or Troy.

Unique Residence with Income Schenectady, New York – For Sale $395,000

• Luxury 2nd floor apartment with porch and 3000+ sf living area and in-law unit. (could also rent for $2,500-3000) • Three apartments on first floor, long term tenants ($1,460, $895, $895)

• Elevator from basement to third floor • Central heat and air • Large parking area & two rentable garages • Rentable storage areas in basement • New furnace, new hot water heater, recently reconditioned roof • Owner financing available

Louise Giuliano CCIM, CIPS, Associate Broker

Mobile:518-470-4877 Home Office: 518-482-6603 2122 Orchard Park Drive Niskayuna, NY 12309 518-952-0665 | www.brokersnetworkrealestate.com

email: amerasia@nycap.rr.com web: www.amerasia.us August

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Front Cover Feature Home

60Jean Place, Guilderland Town of Guilderland | Guilderland School District | List price $627,900 A spectacular custom colonial perfectly situated at the end of a cul-de-sac on a private 1.6 acre landscaped lot in the Town of Guilderland. This home boasts all the best with upgrades galore! With 3,530 square feet of living space you’ll be drawn to the fabulous large gourmet kitchen boasting new high end stainless steel appliances, custom cabinetry, large island, breakfast nook, granite countertops and custom backsplash. This wonderful kitchen opens to the spacious two-story family room that you’ll find perfect for enjoying your family and entertaining, soaring ceilings, large windows, and a gas fireplace with blower are the finishing touches. These rooms flow smoothly across gleaming hardwood floors to the large formal dining room with tray ceiling, twostory foyer, living room, and office/study with French door. Additionally, on the first floor you’ll find a laundry room and full bath.

Upstairs begins with an open balcony overlooking the family room and leads to the grand master suite that you’ll enter through double doors to a spacious room with tray ceiling and sitting area, the perfect place to begin and end your day. The master suite also offers a paddle fan, transom windows, a walk-in closet, and bath with tile shower and jet tub. Three more large bedrooms and full bath complete the second level. Throughout the home are features such as fresh paint, crown molding, chair rail, ceramic tile in the bathrooms, security system, and sound system. A 4 zone heating and cooling system allow you to find your perfect level of comfort. The private landscaped backyard has a beautiful stone patio with retractable awning, and a large shed for storage. There is an oversized garage with additional entrance to the huge basement. This 10 year young home has been meticulously maintained and pride of ownership shows everywhere you turn. With quick and easy access to the NYS Thruway and Route 890, you’ll find this home to be a perfect place. www.60JeanPl.com 12

LifeandHomes ■ Capital Region

Elizabeth Hanley Manager/Associate Real Estate Broker

C: 518-461-6515 bhanley@cmfox.com

2390 Western Ave, Guilderland NY, 12084 518-861-7030 • cmfoxrealestate.com

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Luxury has a new address!

3 Brantwood Lane in new Hartford!

The attention to detail can be seen the minute you arrive. the impeccably landscaped 2 acres provides you with a huge yard, professional landscaping, 250 year-old red oaks, a babbling brook and even an artist studio! the very best of everything is seen inside with custom cabinetry, marble and wood flooring, top-of-the-line appliances and mechanicals. a room beyond all rooms houses the Endless Pool and Jacuzzi, sauna, built-in bar and massive Pella windows to view the grounds. Arrange a private showing of this

rare find today! proudly offered at $875,000

Jan Cidzik

Coldwell Banker Prime Properties jancidzik@cbpp.com Office Phone: 315-768-1680 Ext. 209

Cellular phone: 315-794-7249

Call me, your Accessibility Advisor, for a FREE, No Obligation consultation “Making Realty Dreams a Reality” If you or a member of your family are disabled, the prospect of buying a home may seem overwhelming. You or your family member may need a house with specific features and properties with accessibility features are hard to find! An Accessibility Advisor knows what to look for based on the unique needs of each client and develops an individualized home buying plan tailored to find properties to help you achieve the dream of homeownership faster than if you went it alone. Selling a home that has accessibility features or can be easily adapted for special needs? Let’s work together to get your home sold!

Rosalie LaRocco

231 Delaware Ave Delmar NY 12054

RealtyUSA.com

14

LifeandHomes ■ Capital Region

Licensed Real Estate Salesperson PEAK Residential Partners Team at RealtyUSA (C) 518-530-7241 RLarocco@RealtyUSA.com

Commitment, Enthusiasm, Results!

BARBARA B FERRO Associate Real Estate Broker

315-391-5600 (C)

6868 E. Genesee Street, Fayetteville, NY 13066

315-373-0440 x 224 (O) barbferro@aol.com 7969 Austrian Pine Cir, Manlius

$435,000

Simply a spectacular house from the gorgeous, treed and landscaped yard to the lovely in-ground pool, and fanciful play yard. You can readily imagine children playing in the playhouse while you relax in the pool or on the deck. When you enter this house, which features every amenity, you will be charmed by its welcoming warmth. You will be impressed with the gourmet kitchen, the cozy family area, the private study and finally the finished basement complete with TV area and chilled wine cellar. Note the gleaming hardwoods, the lovely quartz bathrooms and the fresh. fashionable paint! MLS# S348236

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15

Your Own Private Oasis

1631 COUNTY HIGHWAY 41, ROXBURY

$559, 900

This stunning 14 acre homestead, located in the heart of the Catskill Mountains, is only 15 years old. 2 full baths, jetted Jacuzzi tub, 4 bedrooms, cathedral ceilings throughout, gleaming hardwood floors, radiant heat, beautiful views, chef’s kitchen with custom cabinets and granite throughout!

Fireplace and pellet stove, finished basement with 2 bonus rooms. Not one expense spared on this custom contemporary raised ranch! Come see for yourself.

MLS# 201519821

David E. La Mar Licensed Realtor

C- 518-410-1409 Dlamar5126@aol.com

Yankee Realty Inc.

1719 Central Ave, Suite 101, Albany NY 12205 16

LifeandHomes ■ Capital Region

For Financing Information Contact Bob Kelly Mortgage Loan Originator SEFCU Mortgage Services NMLS #309847 700 Patroon Creek Blvd. Suite 310 Albany NY 12206

(518) 783-1234 Ext 8604 (518) 330-9201 (Cell) bkelly@sefcumortgageservices.com

www.sefcumortgageservices.com/robert-kelly

For the Discriminating Buyer

Home Feautures: Over 2 acres of private landscaped property 3 bay carriage garage 4 bedrooms, 3 full bedroom suites 3.5 bathrooms State of the art sound and security system Soaring cathedral ceilings Architectural tray ceilings, crown molding, beautiful hardwood floors and marble bathrooms Exterior lighting, gated back yard Gourmet chefs kitchen , 6 gas burner stove with infrared and convection ovens Stainless steel appliances with blk granite countertops and custom hardwood cabinetry Full basement finished with photography studio, gym and office and rec room Formal dining room, two sided gas fireplace, immaculate condition....come live in your own sanctuary! Where no detail has been overlooked!

5 ANUSESKY LANE, STILLWATER

$779,000

Perfectly located unique home on over 2 acres of private landscaped property. This home shines in every area, from its winding staircase to its soaring cathedral ceilings. 3 full bedroom suites, including a first floor master with jacuzzi tub and marble floors! A gourmet chefs kitchen with double sided gas fireplace and custom built cabinetry and stainless appliances. The house is in superior condition and awaits its new owner!

For A Virtual Tour, Visit Tinyurl.Com/5Anusesky For Financing Information Contact Bob Kelly

David E. La Mar Licensed Realtor

Mortgage Loan Originator SEFCU Mortgage Services NMLS #309847 700 Patroon Creek Blvd. Suite 310 Albany NY 12206

C- 518-410-1409 Dlamar5126@aol.com

(518) 783-1234 Ext 8604 (518) 330-9201 (Cell) bkelly@sefcumortgageservices.com

Yankee Realty Inc.

1719 Central Ave, Suite 101, Albany NY 12205

www.sefcumortgageservices.com/robert-kelly

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LifeandHomes.com

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

Amsterdam

Open Market Listing Service™ Niskayuna

$123,900

$123,000 1200-104 Hillside Avenue - Condo

30 Young Av

2 Bedrooms / 2.0 Baths

2 Bedrooms / 2.0 Baths

QSN #416492

QSN #431752

RealtyUSA.com Barbara Ippolito

Coldwell Banker Prime Prop.

Sue MacKenzie

Lic. R.E. Assoc. Broker

Lic. R.E. Salesperson

518-852-9362

518-986-1982

bippolito@realtyusa.com

East Greenbush

Sue.Mackenzie@ccbp.com

Schaghticoke

$264,900

23 Park Dr

327 Hudson Av

4 Bedrooms / 2.0 Baths

3 Bedrooms / 1.0 Baths

QSN #428488

QSN #416718

RealtyUSA.com Mary-Agnes Murphy

RealtyUSA.com Linda Grochmal

Lic. R.E. Salesperson

Lic. R.E. Salesperson

518-286-1000

518-489-1000

marymurphy@realtyusa.com

Guilderland

lgrochmal@realtyusa.com

Schenectady

$239,900

15 Seeley Drive

$39,500

1555 4th Ave

3 Bedrooms / 2.0 Baths

3 Bedrooms / 2.5 Baths

QSN #438765

QSN #431753

Kearney Brown Realty Michael Brown

Coldwell Banker Prime Prop.

Sue MacKenzie

Lic. R.E. Broker

Lic. R.E. Salesperson

518-858-1944

518-986-1982

mkbrown111@msn.com

Johnstown

Sue.Mackenzie@ccbp.com

Schenectady

$315,000

109 Maloney Road

$112,000

1304 Baker Av

4 Bedrooms / 1.5 Baths

4 Bedrooms / 1.0 Baths

QSN #438767

QSN #423985

Jack Callery Real Estate Jack Callery

RealtyUSA.com Julie Sonner

Lic. R.E. Broker

Lic. R.E. Salesperson

518-848-1338

518-370-3170

jackcallery23@yahoo.com

Mayfield

jsonner@realtyusa.com

Troy

$375,000

132 Progress Heights Rd

4 Bedrooms / 2.0 Baths

QSN #418555

QSN #432727

Garnet Realty Joseph Mulone Lic. R.E. Salesperson

518-286-1000

jmulone@verizon.net

1760 Union St, Niskayuna, NY 12309

518.861.7030

Susan “Sue” MacKenzie Licensed Real Estate Salesperson, GRI, CRS

Carmella

sue.mackenzie@coldwellbankerprime.com

Associate Broker

REAL ESTATE AGENT SINCE 1969

Carmella@carmellarichards.com

LifeandHomes ■ Capital Region

marymurphy@realtyusa.com

12 Century Hill Latham NY, 12110

518.370.2100

Crisafulli Richards (C) 518.928.6486

RealtyUSA.com Mary-Agnes Murphy Lic. R.E. Salesperson

518-813-6514

18

$190,000

1604 Park Blvd

4 Bedrooms / 4.0 Baths

518-986-1982

$149,900

RealtyUSA Greenbush Office

600 N Greenbush Rd, Rensselaer, NY 12144

Mary-Agnes Murphy Licensed Real Estate Salesperson Debbie Bucher-Wager Real Estate Team

Cell: 518-369-6180 Office: 518-286-1000

marymurphy@realtyusa.com Looking for One-Stop Shopping? Let me be YOUR liaison to all those involved in a real estate transaction. From our initial meeting the closing, I will work tireless to get the job done.

Easy Ways to Make a Bold Impression in Your Home Small, inexpensive weekend painting project can transform your space and brighten your outlook.

According to a Nielsen and SherwinWilliams survey, 72 percent of homeowners believe there is a positive emotional impact that results from painting a space.

Whether your project is big or small, John Gidding of HGTV’s “Curb Appeal”, “Dream Home” and Fox’s “Home Free” has five tips to liven up your space and make a bold impression: Decide on your style - It doesn’t take much time or money to make a sophisticated, bold impression in your home. Paint is an easy and affordable way to define what makes you unique and personalize your space on any budget.

Find color inspiration everywhere - A colormatching app from Sherwin Williams called the ColorSnap Visualizer is a great way to help you bring color into your home in big or small ways. While traveling, snap a photo of something that inspires you and match the colors to Sherwin-Williams colors. Or simply upload a favorite photo and click on one of the colors from the image to match it.

Make one change at a time - Simple changes make a big impact. Spend a few hours on a Saturday painting a front door. Small changes like this will make you feel a sense of accomplishment.

Think outside the box and do something unexpected - Go ahead and flip the room upside down. Change the color of your ceiling.

Paint the frame or even the face of a mirror.

Create an ombre or chevron design on an accent

wall. The opportunities are endless with paint and color. The more imaginative you get - the better, bigger, bolder impression you will make.

Change your perspective - Have something in your space that you can’t change? Rather than hide it, own it. Put it on display. Small changes to something quirky will give your space character and instantly entertain your guests as they walk into the room.

For more tips on how to quickly and easily make a statement upgrade to your home, go to swpaintingweek.com.

National Painting Week survey, conducted by Nielsen on behalf of Sherwin-Williams, was a national survey of homeowners. (BPT)

Barbara J. Ippolito Licensed Associate Real Estate Broker

Cell: 518.852.9362 Office: 518.489.1000 bippolito@realtyusa.com

www.barbaraippolito.realtyusa.com

20 Aviation Road Albany, NY 12205

615 St Hwy 29A, Mayfield $285,000

Beautiful 9 yr old 2 story custom Northern Country Log Home in excellent condition on 1.48 acres w/1745 sq.ft. of living space and open living concept. Home has 3 BR, 2BA and numerous amenities-Vaulted ceilings w/skylights, custom kitchen, quartz counters, marble floor: gorgeous stone Quadro fireplace, lovely hardwood floors. Full BMT w/office has outside access and lots of space to be finished. Great covered porch & back deck for entertaining. 2 car garage. Low heat costs. Short drive to Mayfield Beach. MLS# 201608420

30 Young Ave, Amsterdam $123,900

NEW PRICE! Well maintained 2BR, 1.5 BA 1855 sq. ft. ranch home on large corner lot w/2 car garage. Lots of natural light & good layout. Can easily be converted to a 3 BR, 2 BA. USDA Eligible. Relocated sellers looking for all reasonable offers.

MLS# 201602440

1914 Baker Ave, Utica • 83,000 New Price! Great South Utica home features charming details throughout. Dining room, living room with fireplace, hardwoods.

4 bedrooms, brand new 2nd floor carpeting, insulated windows.

You’ll appreciate the new fencing, 2 stall detached garage and off street parking. Conveniently located near shops, Parkway Recreational activities & much more. Priced to Sell!

31 Pearl Street, Gloversville

Coming On The Market. Call for listing details.

Betty Abel-Jellencich

Lic. R.E. Salesperson • 315-527-9093

9 College St. Clinton, NY • 853-7251 • PondrasHomes.com

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19

LifeandHomes Business Directory

Looking for Answers to Your Home Related Questions?

Search no further! Consider Your Local Business Expert!

Advertise

Insurance

LIFEANDHOMES™ 315-865-5845 to advertise your business in this space and

MARYANN O’BRIEN Your Local Farmers agent Currently Offers savings 518-280-1396 Member since 02/15

be a part of the Capital Region’s ever growing Business Directory, give us a call and join the LifeandHomes™ community!

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

MESSIER’S AUCTION SERVICES Do you have personal or real property you need to 315.225.3565 315.447.6440 sell? You can rely on us for all of your auction needs.

Member since 01/15

Liability for you and your business.

Pools ATLANTIC POOLS a family owned & operated business w/ 30 518-279-1785

Member since 02/15

VSI LLC serving the Capital District since 1993. NYs Licensed Home Inspector, Lic # 16000005522; NYs Certified Pest Inspector #t5685318; NYs

years experience in the swimming pool industry.

We provide pool installation, renovation, service, or repair & also offer pool care & spa services.

Land NATIONAL LAND & FARM 1-877-528-LaND Looking for Rural, Recreational, or agricultural

Certified Codes Officer

Lifetime warranty,Outdoor & Indoor systems,Veterinarian approved. capitaldistrictdogguard.com

Call Messier’s auction services, a professional

Home Inspection 518-371-7944

Member since 04/16

Member since 07/15

auction company,where the auction action is to your satisfaction. messiersauction.com

Member since 01/15

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

DOG GUARD OF THE CAPITAL DISTRICT safe,effective,affordable out-of-sight fencing.

518-767-3647

Condo, Mobile Homes, Recreational Vehicles

Auction Service

Member since 12/15

Pet Care

Properties? Check out our network of Real Estate Brokers specializing in Land and Farm sales.

Property Preservation LIFEANDHOMES™ REHAB Debris removal, winterizations, rekeying/lock 315-865-5845 Member since 04/12

www.NationalLandandFarm.com

replacement,lawncare,boarding and securing, janitorial services, and repair and remodeling.

If you would like to be listed here, Please call 315-865-5845

Linda Y. Grochmal Licensed Real Estate Salesperson

C: 518.727.3965 O: 518.489.1000 LGrochmal@RealtyUSA.com

Messier’s Auction Services Stephanie Messier -

2015 NYS Womens Auctioneer Champion, Lic. Real Estate Salesperson, Licensed FFL Firearms Dealer, Certified Estate Specialist, Members of the NAA & NYSAA

3 professional Auctioneers, with a proven marketing strategy!

We are the right professional team for the job specializing in; Residential & Commercial Properties | Business Liquidations Farm Equipment | On-Site and Consignment Auctions Antiques & Collectibles | Firearms

Call Vick today for a FREE consultation with NO obligation!

20 Aviation Road Albany, NY 12205

315.225.3565

www.messiersauction.com

Barbara J. Ippolito

100 OFF

$

With Coupon. Not Valid with other offers or Prior Sales. Expires 6/15/16*

Together, We keep your dog Happy, Healthy, & Safe!

A NEW

INSTALL

• Lifetime Warranty • Outdoor Systems • Indoor Systems • Veterinarian Approved • Made in the USA

518-767-DOGS(3647) • capitaldistrictdogguard.com

David E. La Mar

Licensed Associate Real Estate Broker

Cell: 518.852.9362

Office: 518.489.1000 bippolito@realtyusa.com

www.barbaraippolito.realtyusa.com

Licensed Realtor

C- 518-410-1409 20 Aviation Road Albany, NY 12205

20

LifeandHomes ■ Capital Region

(877) 528-LAND

2547 State Route 12b Hamilton, New York 13346

Dlamar5126@aol.com

Yankee Realty Inc.

1719 Central Ave, Suite 101 Albany NY 12205

$449,900 IN tOWN tREasuRE. Elegant proportions, architectural details, nooks and crannies abound in this Circa 1926 English Estate.

North Utica

Four Bedrooms, 3.5 Baths, Master Bath has Walk in shower with multiple body jets, Formal Living and Dining rooms, applianced Chef’s Kitchen with spacious Butler’s Pantry and an oversized Breakfast area. Magnificent Family Room with oversized windows that bring the outside in.

Nearly five private acres with beautiful flower gardens, stone terraces, specimen trees, manicured

Whitesboro

South Utica

lawns and an In-ground Pool.

PEACE PRIVACY AND TRANQUILITY • $124,900 One owner Custom Built home in a very private setting. Wonderful floor plan with Formal Living and Dining rooms, Eat-in-Kitchen ,three Bedrooms, first floor Master Bedroom, 1.5 Baths, Sun room, Hardwood floors throughout, great expansion possibilities. Newer mechanicals. INCREDIBLE SETTING.

PICTURE PERFECT • $119,900 Light filled well maintained Cape in a convenient location.Formal Living and Dining rooms, hearth warmed Family Room, fully applianced Eat-in-Kitchen, first floor Laundry, three Bedrooms, beautiful Hardwoods throughout, Enclosed Porch. A great place to call home.

Joseph Scarafile

Margaret Graniero Sales Associate

Licensed Real Estate Broker GRI/Owner email: grandenvironments@gmail.com

23 Oxford Road, New Hartford

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LifeandHomes

™

Dominic Pavia

Commercial Section

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 Sale or Lease: 300 Oriskany Street

66,372 +/- SF building available, situated on 1.9 +/- acre lot.

High traffic & visibility, possible redevelopment site. Located adjacent to Utica Memorial Aud.

For Lease: 184 North Genesee St., Utica

1,450 +/- SF retail space available. New construction, Co-tenancy with Subway. Price Reduced.

For Sale or Lease: 4555 Route 233 Westmoreland

5,700 +/- SF building available situated on 8.5 +/- acres.

Apartment on 2nd floor. Former banquet hall. Currently being used as indoor flea market.

For Lease: 50 Auert Ave., N. Utica

3,587 +/- SF former bank branch building in front of busy N.Utica Shopping Center.Co-tenant with Price Chopper, Dollar Tree, Rite Aid, Berkshire Bank and many more quality tenants.

For Sale: 5642 Horatio Street, Utica

14,576 +/- SF building available situated on 2.44 +/- acres.

Warehouse/garage 6 overhead doors & mechanics pit.

High traffic.

For Sale: 154 E Main Street, Frankfort

3,220 +/- SF Restaurant/Bar with large banquet & dining rooms. Large kitchen & hood. Full basement and additional parking lot.

22

For Sale or Lease: 5140 Commercial Dr. Yorkville

23,757 +/- SF building available with high ceilings. Indoor pit, gas radiant heat plus hanging gas fired units in warehouse. Rubber roof in-stalled 2001.

For Sale or Lease: 39 Kellogg Rd, Washington Mills

4,200 +/- SF building situated on 9.2 +/- acres. Possible redevelopment site. Surrounding tenants-Walgreens, Dunkin Donuts, Hannaford & Rite Aid.

For Sale or Lease: 601 State Street, Utica, NY

6,000 +/- SF flex use building on busy corner 1.4 +/- acre site.

Current dental lab building adaptable for a variety of uses.

For Lease: 34 Chenango Ave., Clinton

2,000 - 4,000 +/- SF office or retail space available. Cotenancy with Dollar General. Close proximity to the Village Green & Hamilton College.

For Sale: 8403 Turin Road, Rome

1,260 +/- SF retail location on busy corner. Formerly operated as a repair center. 2- auto lifts large overhead doors. Available immediately.

For Sale: 506 Nichols Street, Utica

11,003 +/- SF building available with high ceilings and freight elevator. Office, showroom and parts room. On-site parking, looking for immediate sale.

LifeandHomes ■ Capital Region

Patrick V. Agen

For Sale: 1641 Genesee Street, Utica

2,512 +/- SF building available. Situated on 1.3 acre. Corner location with traffic light. High visibility and high traffic.

For Sale or Lease: 600 Oriskany Blvd., Yorkville

9,650 +/- lube and repair shop with and addition 2,600 +/- self service car wash. Situated on 2.5 +/- acres for redevelopment possibilities. High traffic & visibility.

For Sale: 909 Court Street, Utica

1,422 +/- SF retail location located in the Brewery District and adjacent to the Boiler-maker Road Race Finish Line. Situated on two parcels with on-site parking & drive thru window.

For Sale or Lease: 2256 Broad Street, Frankfort

9,568 +/- SF building available. Currently occupied by Marcy Excavating. Office space has been recently updated and the roofing is new. Loading dock leads to a storage area.

For Lease: 133 Oriskany Blvd. Whitesboro

2,200 +/- SF available in busy neighborhood shopping center.

Co-tenancy with national tenants. Landlord offering incentives with long term lease.

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: 5521 Route 28, Eagle Bay

4,262 +/- SF building available. Currently occupied as The Inn at Eagle Bay. Fully equipped restaurant Bar Room. 600 +/- SF detached garage included. $239,000

For Sale: 421 Main Street, Sylvan Beach

5,700 +/- SF building available. Located in the resort Village of Sylvan Beach. The building was remodeled in2009 offering a turn-key restaurant opportunity. Price Reduced.

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: 165-169 W. Main Street, Ilion

8,664 +/- SF building available for immediate occupancy.

Medium size showroom and large parking lot. Large loft for storage. Village of Ilion offers Municipal power.

For Lease: 316 E. State Street, Herkimer EFK Plaza

2,000+/- SF retail space available with great visibility & High traffic.

For Sale: 172 Black River Blvd., Rome

1,200 +/- free standing building available. Convenient location, close to Griffiss Business Park & major retail. Full basement, available immediately.

Helping First-Time Home Buyers Move From ‘I Can’t’ to ‘I Can’ Finally! Many consumers now find themselves in a great position financially to become a first-time homeowner. There’s a small problem though for some locations around the country - the booming real estate market is resulting in rising home prices and increased competition for the most desirable properties.

The S&P/Case-Shiller national home-price index recently estimated that 2016 prices are within four percent of the peak in 2006. In some areas, low inventories around the country are making the situation even more challenging.

These conditions are introducing first-time buyers to common challenges and frustrations while searching for their dream home. “Don’t get discouraged,” says Travis Peace, executive director of mortgage at USAA Bank. “Buying a home requires some fortitude and the process intimidates many -not just those doing it for the first time.” As a result, Peace says it’s easy to concentrate too much on home buying “can’ts” rather than “can-dos,” and he offers this advice on how to overcome some common barriers.

“I Can’t” No. 1: I can’t figure out the home-buying process.

Peace notes that it’s essential to do research and to be equipped with basic information, but also be willing to ask for help when needed. For example, an experienced real estate agent can keep a buyer apprised of everything from area sales trends to the latest changes in state and federal laws that could impact a mortgage application.

“This is where experienced, licensed professionals can help,” Peace says. “Real estate agents can be an advocate for the buyer throughout the entire process.”

In addition, free tools like USAA’s Real Estate Rewards Network can connect buyers with an agent and even provide rewards based on the sale price of the home.

“I Can’t” No. 2: I can’t find the perfect home for my family.

Finding the perfect home may not be realistic, but shoppers can find the right home. Personal situations will dictate buyers’ ability to wait for a home in a particular neighborhood or design style to come on the market, but not everything has to be left to chance.

Peace says the key is to set realistic expectations and not fixate on negatives that can be changed.

“Whether it’s the number of bedrooms or distance to work or school, it’s alright to have some non-negotiables. However, buyers should be willing to be flexible on things that can be relatively easy to change, like paint colors or landscaping.”

“I Can’t” No. 3: I can’t afford a 20 percent down payment.

Putting 20 percent down on a home has become more of a guideline than a rule. Today, not being able to put 20 percent down does not mean buying a home is out of reach. Peace notes that depending on a buyer’s financial situation, there may be a responsible way to get into your new home without putting 20 percent down.

Government-sponsored loan programs from the Federal Housing Authority, Fannie Mae and Freddie Mac provide loan options that require down payments as low as three percent. Veterans Affairs (VA) loans don’t require any down payment.

While those programs are often great options for consumers who qualify, Peace notes that buyers should keep an eye on their potential total monthly payment.

“Some of these loans include fees and private mortgage insurance (PMI) that could significantly impact your overall cost,” Peace says.

Even private lenders are offering more competitive loan options. For example, USAA Bank’s Conventional 97 loan allows borrowers to acquire a mortgage with only three percent down and the bank pays the PMI costs.

Scott McEniry, a USAA member, recently moved into his new home with the help of the Conventional 97 loan. “It felt like a lifeline had been thrown to me as suddenly a house purchase was within reach again,” McEniry says.

Whether a house-hunting novice or seasoned expert, Peace underscores that being informed, getting the right help and having a healthy dose of determination are the best ways to turn a dream home into a reality. (BPT)

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Brian Brosen & Reginald Monroe

Licensed Associate Real Estate Brokers

Proudly Serving the Community for 12 Years Gifford Hollow Rd, Berne

7 Old English Rd, New Scotand

2190 State Rt 67, Galway

119 Bears Den Road, Summit

3000 Rosendale Road, Niskayuna

1653 State Rt 43, Stephentown

Spectacular 48.5 acres of land situated next to the NYS Partridge Run state forest land. This land, made up of 2 parcels being sold together, has 1800 feet of road frontage and has 3 small, stocked ponds. The land has amazing views of the surrounding Helderberg mountains and features ample cleared, as well as plenty of wooded territory. Could be subdivided. Survey on file with broker. $145,000

They don’t make them like this anymore. Early 1800’s built farmhouse on 55.43 acres in Galway school district. Home has wide plank floors(living rm is old carriage house), hand hewn beams, and oozes charm not found today. Owner has beautifully maintained this home ( 200 amp elec, 1st floor bath updated, newer windows, septic/chimney regularly serviced). 1st floor bedroom/1st floor laundry, spacious 2nd floor master bedroom. Property has patio, great barn/outbuildings, circular drive and lots of frontage. $339,900 Impeccable 2626sf executive style California ranch situated on park like 1.5 acre lot with loads of privacy. Home has stunning kitchen w/ granite counter tops, maple cabinetry that overlooks family room w/ recessed lighting and brick fireplace.

Living room with vaulted ceiling massive stone fireplace w/ sliders to massive 2 tier deck overlooking park like setting. Fantastic 4 season sun room, master br /w sliders out to rear deck, enclosed Japanese garden area off master, 2 car garage, huge walkout basement. $349.900

24

LifeandHomes ■ Capital Region

Immaculate and truly impressive home with over 5500sf of living space, on a beautiful, landscaped near acre lot in Voorheesville schools. Stunning high end details throughout include hickory flooring, red oak flooring, FDR w/ tray ceilings, family room w/gas FP/built ins. Open kitchen w/ subzero/ hw floors/wine fridge/cook top. Master suite w/ study, 1st floor office, and amazing nanny/in law suite. Huge finished basement space, 20 kw generator, in ground sprinkler/ built in display cases, surround sound. $700,000 Spectacular year round waterfront home nestled on 83 feet of shoreline on Bear Gulch Pond. Owners have taken great care to remake this once seasonal home a place to be enjoyed all four seasons. They have remodeled the kitchen, installed new septic, upgraded the bathroom and improved plumbing lines for ease of maintenance. Breathtaking views across the pond from your large deck, new stone patio, or the 2 docks. Owners have extensive landscaping in place, fire pit on the waterfront, motor boats allowed. $170,000 Stunning & beautiful 1829 built farmhouse situated on 1.6 acres in the Averill Park school district.

This nearly 3400sf home has separate wing, perfect for in law set up. The home has wide plank floors, hand hewn beams, 2 large brick fireplaces, lrg family room ( 13x28), country kitchen with expanded built in pantry storage. Home has great updates include central vac, recessed lighting, newer vinyl windows and new pine floors. Rec room in basement,6 zones for heat. Restored 1700’s Shaker Barn, stone walls $359,900