Life and Homes Capital Region

Life and

Capital Region

Homes

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october 2017

Residential • Commercial • Multi-Family • Land

Exquisite Lakefront Living

Featured Home: Pg 13

Homes You’ll Love to Live In

High-Style Local Listings

FREE

Local Real Estate Guide

Find Your New Home at www.LifeandHomes.com

Welcome Life and

Drive Me Home

Homes

Would it surprise you to learn automobiles are predicted to impact the real estate market in the near future?

AVs, (Autonomous Vehicles), equipped with sensors for automated speed, braking, parking and lane changing will most likely become commonplace with the next 5-15 years. Completely driverless cars, however, are expected to have a great impact, not only on how you get around, but on real estate.

Already in testing, these cars will come to you on command via a phone app or some other means, take you where you want, and will most likely be shared with other riders.

Capital Region, NY Edition

Account Executive/Owner Sales Representative

David Lisi 315-865-5845

david@lifeandhomes.com Corporate Editor

David P. Lisi, RMC

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

Since most driverless cars will be shared instead of individually owned, massive parking lots, auto dealerships and gas stations will no longer be needed, freeing up prime real estate for new housing construction and allowing more people to live closer to city centers. Expect zoning changes as land usage is redefined. The shift to on-demand autos should put more money in consumer’s pockets as car loan payments, insurance, fuel and repairs become News Shorts unnecessary. Analysts expect the boost in disposable income will result in an House Listing Directory increase in home ownership and demand for upgraded household amenities. Front Cover Feature Home

Table of Contents

Huge driveways and wide streets for parking will be unnecessary, leading to more new housing per acre. Garage space will be converted to 100% livable space to accommodate growing families and the elderly will be more apt to remodel and stay in their existing home long after losing their driving rights.

Both trends are projected to create a boon for construction/remodeling and household goods companies. “Construction costs should decline,” says Rick Palacious of RealEstateConsultingcom, “as transportation costs plummet for moving building products from manufacturing facilities/warehouses to new home construction sites. Construction timelines should also improve for home builders as the transportation of building products becomes a 24/7 operation handled by AVs.”

Kim Lisi

Advertising Deadline November Issue

3-4 10 13

Adirondack Properties & Land 16-17

September 29, 2017 For advertising rates & info, contact

David Lisi 315-865-5845 david@lifeandhomes.com

Published by Corporate Office

Washington County Section

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David Lisi, Owner 315-865-5845

Fulton/Montgomery Cty Section

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David@LifeandHomes.com www.LifeandHomes.com/CR-NY

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

For franchise information call, 315-865-5845 LifeandHomes is published monthly by Lisi Merchant Solutions, Inc.

The impact driverless cars will have in on local real estate remains to be seen.

In the meantime, we’re left wondering where everyone will store their junk if garages become obsolete. We predict the storage shed businesses may be the real winners.

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Front Cover Featured Home 4700 Amerman Road, Niles For more information on this Front Cover Featured Home, See Page 13 Listed by

Tammy Culligan Licensed Real Estate Salesperson

315-456-9114

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 © 2017 Lisi Merchant Solutions, Inc.

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Tis The Season Am I Responsible for the Leaves From My Tree That Fall in My Neighbor’s Yard?

When leaves fall from your tree and create debris in the yard next door, your neighbor might find it annoying. But, you aren’t legally responsible for that debris in the yard next door. In the interest of good neighbor relations, it would be a good idea to try to limit the problem for your neighbor.

Under the law, falling leaves are considered a natural product of trees and not something for which the owner of the tree can be held liable.

Homeowners, whether they own the tree or simply live next to it, are responsible for the cleanup of natural debris that enters their yard, no matter the source. (Homeguides.sfgate.com)

Get The Feel Of A Remodel For Less Investment Dreaming of a renovation but lacking the time and resources for a full upgrade?

You might be able to refresh your space by focusing your efforts on individual elements that have the most impact.

This growing interior design trend uses a thoughtful approach to renovation by analyzing what should be replaced to achieve the desired aesthetic. At the heart of this movement is the idea that a strong, singular update can change a room dramatically.

That means you can revamp your favorite rooms without investing in a complete remodel. For example, a new chandelier in the entryway might be the statement piece you need to welcome guests in style. Or, rather than ripping out the dining room, explore how a new dining set with table and chairs can change the entire personality of the space.

newsShorts When investing in singular pieces to enhance a room, custom features reign supreme. The Laura Kirar KALLISTA collection from Kohler is a great example. Kirar, an internationally renowned designer, marries the beauty of natural elements with the pureness of line and symmetry in the collection’s bath vanity, mirror and sconces.

Have you grown weary of your tired bathroom design? Mixing and matching various materials lets you make a personal statement in any room.

With the KALLISTA Paletta line you can customize the look by choosing from five different finish combinations. For example, nickel and antique silver blend beautifully together by evoking a stylish design element of warm and cool tones that creates personality and character within the room.

Not only do the mixed finishes add visual impact, but when you pair Paletta brassware with a marble top console table, you create a stunning effect that immediately captures attention no matter how big or small the space. This singular update can revamp a dated master bath or enhance a bland powder room - no massive remodel necessary.

Light is another element that can redefine a space, yet it’s often overlooked when approaching a room refresh. Remember to look at lighting from different perspectives. Analyze natural lighting against installed ambient, task and accent lighting. Note fixtures and consider the impact of updating sconces and shades that are no longer en vogue. It might be just what’s needed in the various spaces throughout your home.

When you take a step back and take stock of your surroundings, do so with a fresh set of eyes and see the possibilities. A complete update may not be necessary. Do your research, focus on singular elements with the most impact, and invest in luxurious features that stand the test of time. With this approach, you can change any room’s setting beautifully without committing to an entire renovation. (BPT)

How Much House Can You Afford?

A prequalification or preapproval letter is a document from a lender stating that the lender is tentatively willing to lend to you, up to a certain loan amount.

This document is based on certain assumptions and it is not a guaranteed loan offer. But, it lets the seller know that you are likely to be able to get financing. Sellers frequently require a prequalification or preapproval letter before accepting your offer on a house.

Ultimately, you’re the only one who can decide how much you can afford to spend on a home.

Lenders preapprove you by looking at your income, assets, debts, and credit record. But your financial life is much more complicated than that. Only you can decide how much you’re comfortable paying upfront and each month — which means only you can decide how much to spend on a home. * If you were preapproved for more than the home price budget you set for yourself, you can use the preapproval letter to shop for homes without changing your target home price. If you’re happy with the amount you planned to spend, stick with your original budget. * If you were preapproved for less than you were planning to spend on a home, talk with the lender.

Ask if there was a particular factor (for example, your income) that limited the preapproval amount. You may need to adjust your home price expectations. * Be upfront with your real estate agent. If you don’t want to see homes above a certain price, say so. Limiting your search is a good way to avoid falling in love with a home that costs more than you want to spend. (consumerfinance.gov)

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How To Safely Recycle Household Batteries Do you have a pile of used household batteries hidden in your junk drawer or in a coffee can in the garage? You know you should be environmentally responsible and recycle them, but you aren’t sure where to start. So the pile grows larger.

But did you also know that extra precautions are required when storing and recycling them?

Some batteries retain a residual charge even after they can no longer properly power a device.

These batteries may appear dead but they can be a safety risk because their power has not been completely used up. Some batteries can combust or spark, causing a fire or other safety incident.

That’s why it’s important for anyone with used batteries to embrace some simple safety tips when storing them. Call2Recycle, the leading consumer battery recycling program in North America, offers these recommendations for safely protecting your batteries to avoid any issues: 1. Bag each battery in its own clear plastic bag before placing it in a storage container. If a bag isn’t available, you can tape the terminals with these tape types: clear packing, non-conductive electrical and duct. Avoid masking, painter and Scotch tape; opaque bags or any wax products.

Make sure the label is visible.

2. Store the batteries in a cool, dry place. Incidents can occur when batteries (or the devices they power such as a cellphone or tablet) are exposed to inclement or excessively hot weather. Store them in a plastic container; avoid metal or cardboard.

3. Keep an eye out for damaged batteries. If you see a swollen or bulging battery, immediately put it in a non-flammable material such as sand or kitty litter in a cool, dry place. Do not dispose of it in the trash. Contact Call2Recycle, the manufacturer or retailer immediately for instructions, especially if the label says it is Lithium or Lithium-Ion. 4. Drop them off within six months. Call2Recycle recommends storing old batteries no longer than 4

LifeandHomes ■ Capital Region

newsShorts six months. Make sure they are bagged or taped before dropping them off for recycling.

You can drop off rechargeable batteries for free at a Call2Recycle public drop-off site anywhere in the U.S. The online locator can help you find a nearby site; its Recycle on the Way feature helps you add a recycling stop on your errand run. Retailers such as The Home Depot, Lowe’s and Staples also accept them for recycling.

For single-use batteries, you can drop them off at select Call2Recycle participating locations, purchase your own Call2Recycle recycling box or contact your local community recycling center for other options.

All household batteries can be recycled. In particular, metals in rechargeable batteries can be repurposed into other products such as new batteries, stainless steel pans and golf clubs. By dropping them at a Call2Recycle drop-off site, you can be assured that your used batteries will be kept out of the landfill and recycled in the most sustainable way possible.

Start your commitment to safe battery recycling today. For more information, visit www.Call2Recycle.org. (BPT)

Three Important Things To Know

Buying a home is both a gratifying experience and challenging endeavor.

This is especially the case this season.

A healthy U.S. economy and steady job growth are translating to robust demand at a time when housing supply is insufficient in much of the country.

Although the National Association of Realtors® is still anticipating this to be the best year for home sales in a decade, the journey from home search to closing can be a daunting one.

To help, here are three insider tips: • Be ready: It’s a swift-moving housing market right now. Rising home sales amidst inadequate

homebuilding have only exasperated tight supply conditions. Consider this: The inventory for existing homes on the market has declined annually each month for the past two years and homes for sale are typically going under contract in less than a month.

Also, note that inventory is the tightest at lower price ranges. If you’re on the hunt for a home in the affordable price range—around $250,000 to $500,000 in most areas—expect immediate interest from several other buyers. You’ll need to move fast if you see a property you like.

• Rely on a real estate agent: With demand significantly outpacing supply in many areas, it’s common for buyers to be on the receiving end of a losing offer or two before finding their dream home.

That’s why, in today’s competitive market, the use of a Realtor®, a member of the National Association of Realtors®, can be crucial to a successful buying experience. As your trusted partner and negotiator-in-chief, a Realtor® will identify homes in your target area once they hit the market, help you present an attractive offer to the seller’s agent, and negotiate on your behalf to ensure you get your home at a price that works for your budget.

• Buy only what you can comfortably afford: Buying a home has become a little less affordable compared to a year ago because of the continued rise in prices and higher mortgage rates.

If listings are limited in your market, affordability will remain a challenge this year as prospective buyers compete against each other and bid prices upward. This is where the negotiation skills of a Realtor®can prove indispensable. Discuss your target price range and stick to it. The satisfaction of winning a bidding war will end quickly if you find yourself living above your means.

The rewarding experience of buying a home may not be easy, but if you work with a Realtor® and follow these tips, you can be confident knowing that the right home can eventually be yours. For local market information and to find a Realtor®, go to www.realtor.com/GetRealtor.

(NAPSI)

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

162 Sanford St, Glens Falls

$159,000 9 Mannis Place, Queensbury $359,900

Nice City bungalow home on a quiet corner lot.

Large kitchen, hardwood floors, master suite with jacuzzi tub, private yard, and garage.

MLS# 172939

Deceivingly large home with 5 levels! Some bedrooms so big they have couches! Custom kitchen with granite, A/C, wood floors, master suite, walk-in closets, pellet insert in Fireplace, Game room/sun-room, 2 car attached garage, and a 1 car detached garage all on a dead end, private, landscaped backyard with in-ground pool, gazebo, deck and more! Tons of living space for a large family that likes to entertain. MLS# 172842

54 Notre Dame St, Fort Edward $84,000 57 W. Notre Dame St., Glens Falls With some TLC this house could be brought $147,500 back to it’s original beauty with it’s gorgeous woodwork, high ceilings and private backyard, this is a house your family could call home.

Sold-As-Is. MLS# 163199

Charming city home with original woodwork & moldings. Wonderful front porch, 3 bedrooms with 2.5 baths, Fireplace, lovely kitchen with cute breakfast nook. Balcony off one of the bedrooms. Low yard maintenance. MLS# 172307

Working Tirelessly on Behalf of My Clients’ Needs!

33 Country Club Rd, Queensbury $175,000

311 Ridge Street, Glens Falls

254 Ferry Boulevard South Glens Falls $69,900

89-93 Fort Edward Rd, Fort Edward $59,900

$219,900

Updated classic city home with tons of charm.

Sweet home on over 10 private acres! 2-3 bed- New kitchen with granite, updated baths. rooms with enclosed porch. Gives you the pri- Large rooms, formal dining room for holiday vate setting you crave, yet close to everything. meals. Screened-in porch, 2 car garage and a lovely landscaped yard. MLS# 201712013 Motivated Seller. MLS# 201713232

Build your dream home on this 2+ acre lot hid- Beautiful cleared building lot in prime location. den back off the road. Beautiful level, open Ready for your dream home! meadow to build your home where a house MLS# 201709474 once sat. MLS# 171516

#1 Agent in the RealtyUSA

Queensbury/Glens Falls Branch!

(C) 518-260-6732

juliesnyder@realtyusa.com Licensed Real Estate Salesperson 8514 St Rte 9, Schroon Lake

$995,000

No expense was spared on this gorgeous, year-round custom Schroon Lakefront home that was completely rebuilt. With 175’ of Lakefront, this home has an open concept great room with lots of windows to showcase the lake views. Wood floors, stone gas fp, sun-room, gourmet kitchen.

Library could easily be a 1st floor bedroom. A/C, central vac, surround sound, deck, generator, 25’ dock, boathouse, guest house. MLS# 201711868

Senior Sales Associate

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ATTENTION INVESTORS!

Coeymans

$489,000 Coeymans

104 Main Street - Fully occupied 10 Unit with outstanding cash flow. All tenants pay separate electric and 3 pay their own heat. Can be bundled with 83 Main St (6 Unit).

Albany

$135,000 Watervliet

1200 Broadway - Affordable 2 family home in convenient Albany location. Well maintained, fenced in yard, deck and off street parking. Let your tenant pay the mortgage! Call Linda Priest today @518-256-0507 for a showing.

$289,000

83 Main Street - Fully occupied 6 Family with separate utilities for each unit. Very solid building. $45,600 rental income annually. Can be bundled with 104 Main Street (10 Unit).

$99,900

1328 4th Ave - Own for less than renting! Great starter home, low taxes and new boiler. Call Linda Priest @518-256-0507 today for a showing.

Call Today for your FREE

Home Buyer’s or Home Seller’s Guide!

518-858-1944

Michael Brown

Principal Broker

215 Delaware Ave • Delmar, NY 12054 518-482-5000 • KearneyBrownRealty.com

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

73 Thorndale Rd. Slingerlands, New York

Custom spacious brick & stone Executive Ranch. Great Room. Beamed Cathedral Ceiling. Wet Bar. Wood Burning F/P & adjacent grill. Bluestone walled patio a delightful setting to entertain. 3471 s/f. Steel Beam Construction can not be duplicated at this price. 1+ acre lot. Bethlehem Schools. Great neighborhood and location. $458,900

Carmella Richards

Denise Crisafulli

Licensed Associate Real Estate Broker

Licensed Real Estate Salesperson

(C) 518.928.6486

(C) 518.339.6170

Carmella@CarmellaRichards.com denisecrisafulli25@gmail.com

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LifeandHomes.com

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

Coeymans

$289,000

83 Main Street - 6 Unit

Open Market Listing Service™ Manheim

$180,000

122 Granny Hill Rd

Investment Opportunity

3 Bedrooms / 1.5 Baths

QSN #498527

QSN #488431

Kearney Brown Realty Michael Brown

ADK Realty MaryEllen Charles

Lic. R.E. Broker

Lic. R.E. Broker

518-858-1944

518-725-2357

mkbrown111@msn.com

Glens Falls

$159,000

162 Sanford St

mel@adksrealty.com

Milton

$329,000

724 Burgoyne Av

3 Bedrooms / 2.0 Baths

4 Bedrooms / 2.0 Baths

QSN #503785

QSN #500695

RealtyUSA.com Julie Snyder

RealtyUSA.com Richard Timberlake

Lic. R.E. Salesperson

Lic. R. E. Salesperson

518-260-6732

518-584-0743

juliesnyder@realtyusa.com

Glenville

$153,000

222 S Ten Broeck St

rtimberlake@realtyusa.com

Niskayuna

$329,000

2130 Primrose Lane

3 Bedrooms / 1.0 Baths

4 Bedrooms / 2.0 Baths

QSN #496485

QSN #500597

Garnet Realty Joseph Mulone Lic. R.E. Salesperson

Lic. R.E. Assoc. Broker

518-813-6514

518-320-8008

jmulone@verizon.net

Hartford

$188,000

45 Hartford Main Street

RealtyUSA.com Brian Brosen brian@thecapitalteam.com

Old Forge

$895,000

2730 Rt 28

3 Bedrooms / 2.5 Baths

Biz Opp with Living Quarters

QSN #505766

QSN #505767

Coldwell Banker Prime Glens Falls Brenda St. Louis

Bird’s Adirondack Real Estate Richard Bird

Lic. R.E. Salesperson

Lic. R.E. Broker

518-260-6909

315-369-2136

brenda.stlouis@coldwellbankerprime.com

Johnstown

$210,000

231 State Highway 334

adklands@frontiernet.net

Schenectady

$147,500

1218 Sumner Av

3 Bedrooms / 2.0 Baths

2 Bedrooms / 1.5 Baths

QSN #502877

QSN #496490

RealtyUSA.com Brian Brosen

Veronica W Lynch LLC Marcia Quick

Lic. R.E. Assoc. Broker

Lic. R.E. Broker

518-320-8008

518-229-5453

brian@thecapitalteam.com

mquick@veronicawlynch.com

THIS WEEKEND‘S OPEN HOUSES LifeandHomes.com/CR-NY - Open House Info updated every Friday @ 4:30 10

LifeandHomes ■ Capital Region

Superior Built Masulo Guilderland Home 307 Millingstone Way, Altamont • $949,900

Superior built Masulo home is situated on beautiful 2.24 acres. It is loaded with custom features including Zarrillo designed kitchen and bar/game room, office, laundry room. Sunroom overlooks the stunning yard. Master suite has custom closet and master bath has steam shower and hot air bathtub. Bathrooms have radiant floor heat. Two car detached garage has private guest suite above. Heated inground salt water pool has waterfall and meticulously maintained landscaping. The list goes on and on! www.307millingstoneway.com

AMANDA HARRINGTON Lic. R.E. Salesperson C 518-441-1711 • mharrington@cmfox.com

Representing Buyers and Sellers Named as a Top 100 Agent in the Capital Region’s Business Review, Winner of the Women’s Council of Realtors Award nine consecutive times.

2390 Western Avenue, Guilderland, NY 12084

518.861.7030

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Schenectady

$174,900 Niskayuna School Rental $1,900

1035 Lexington Ave - Meticulous city cottage with new granite kitchen, updated baths and 3+ bedrooms. Within walking distance to restaurants, shopping, schools and park. Formal dining room and living room with fireplace, hardwood floors throughout. Fenced in yard with garage.

Schenectady

1828 Union Street - Wonderful family home within walking distance to restaurants, shopping and bus line. Living room with fireplace, formal dining room, first floor bedroom. Large deck with private yard extending to Eastern Parkway with extra parking. 4-5 bedrooms and 2.5 baths with an efficiency apartment in basement.

$129,500 Schenectady

742 Crane Street - Opportunity awaits the smart entrepreneur to own a business and have rental income from 2 very nice apartments.

Entire building has been brought up to code with all new electrical, exits signs and separate entrances. The business space is ready to make your own with new sheetrock and new recessed lighting.

Please contact Marie Krauser, 518-312-9914

$147,500

1218 Sumner Ave - Delight in home ownership in this sweet completely restored cape. Situated on a quiet residential street, close to schools & shopping. Offers 2 upstairs bdrms & a family room on 1st floor. Formal living rm w/ wood burning fireplace, dining rm, & country kitchen. All refinished hdwd floors & newly painted interior. Att. 1 car garage w/ large fenced in yard, outside deck & screened in area. Newly sealed driveway!

Marcia Quick SELLING FINE HOMES SINCE 1954 1016 N Country Club Dr • Niskayuna NY 12309 18 Jay Street • Schenectady NY 12305

Janet Knopp

Capital Region Preferred Properties, LLC

Lic. R.E. Broker

Albany Area - 518-522-1536 Central NY - 315-888-1REO crpreferredproperties@gmail.com

Fabius

$284,900

Auburn

$59,900

1038 Shackham Road - Contemporary home in a private setting on 24 acres, finished walk out basement, wood flooring, great room, balcony, fireplace and so much more Close to Ski area's Everything you could wish for is here.

22 Nelson Street - Large family home with in law apartment within walking distance to local shops and services. FreddieMac Homesteps Property open to owner occupant offers only to 9/27/17, open to all offers 09/28/2017 or later..”Seller will not complete any repairs to the subject property, either lender or buyer requested. The property is sold in as is condition.”

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Cohoes

$125,000

56 Park Ave - Solid 2 family with off street parking and 2 car garage, sep. utilities, w/d hookup for each unit, newer gas boiler, wood flooring, updated baths on dbl lot.

Esperance

$35,000

2634 Creek Road - Great starter home on 1 semi private acre w/barn. Interior has an open floor plan and is ready to finish as you desire. Exterior has new siding and replacement windows. Property is being sold “as is.”

LifeandHomes ■ Capital Region

Broker/Owner Office 518-393-1100 Cell 518-229-5453 mquick@veronicawlynch.com

383 Delaware Ave, Delmar NY crpreferredproperties.com

A full service Real Estate Brokerage specializing in distressed properties in Central New York and the Capital Region of New York.

Berne

$49,900

280 Rock Road - Farmhouse with a nice mountain view from front deck, L shaped kitchen, 1st floor laundry, 2 car detached garage in a peaceful setting. House sits on .2 ac . with additional separate 1.7ac parcel (1836 Rock Rd) being sold together only.

Osceola

$24,900

Montezuma

$44,900

Schenectady

$18,000

Castleton

$34,950

1312 Mary Street - Adorable F Homesteps home in need of TLC. Would make a great 1st or 2nd home 2BR/1BA dining room, living room with entertainment area. Sold “as is.”

426 Hulett Street - Large 2 family near the corner of Grant St. Good investment opportunity.

8260 Mentz Church Road - Privacy on a large lot but close to major route for easy commute with a little TLC this will be a great home again. 4th bedroom is set up as a home office This is a FreddieMac Homesteps property.

50 North Main St - Great opportunity for the imaginative 3 family with large rooms, off street parking and easy commute to Capital District. Rents are estimated based on current market.

Of course this property needs some attention due to neglect, waiting for new owner to make it great again.

Front Cover Featured Home 5110 W. Genesee St Camillus, NY 13031

315-487-0040

Tammy Culligan

Lic. R.E. Salesperson

C: 315-456-9114

tammyculligan@howardhanna.com

Front Cover Feature Home

4700 Amerman Road, Niles

A wonderful and private estate on 10 acres with 295’ of Skaneateles lakefront. The main home was built in 1993 and has the original mid-century cottage on premises. This home was made for entertaining. Beautiful wall of windows with Lake views abound. The deck is an extension of the living space with plenty of room to relax and enjoy the Lake. The master suite is on main floor in addition to the great room and a home office. Lovely finished lower level too. The cottage adds additional space for guests. The permanent dock allows for swimming, boating and enjoying the water.

MLS# S1057462 $1,950,000

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Tips To Prepare Your Budget Before Buying A Home It’s virtually impossible to know what size home you can afford if you aren’t fully aware of how much money you are earning and how much you are spending each month.

Start with your income: How much do you bring home after taxes and retirement plan contributions? Next, look at your expenses: What are your necessary expenses? How much are you paying each month toward your debt?

What additional expenses do you have that wouldn’t be deemed “necessary?” How much money do you have left (if any)?

This will help you see how much breathing room is in your current budget, what expenses might be on the chopping block and the space you have for additional home and mortgage expenses when buying a home.

Consider the potential costs of being a homeowner Property taxes: The amount you pay will depend on the area in which you are purchasing a home. This amount can be subject to annual adjustment by the municipality or local taxing authority.

Homeowners insurance: Lenders will require you to provide proof of coverage before closing.

The amount you pay will depend on your level of coverage, your property and the location.

Insurance costs can increase from time to time.

Private mortgage insurance (PMI) or mortgage insurance premiums (MIP): If your down payment is less than 20 percent on a conventional mortgage, your lender will require you to carry private mortgage insurance. If you have an FHA loan, you’ll be 14

LifeandHomes ■ Capital Region

required to pay mortgage insurance premiums throughout the life of the loan.

Home ownership assistance: A company like Unison Home Ownership Investors can strengthen your down payment overnight and eliminate the need for private mortgage insurance (see Unison HomeBuyer program at Unison. com). Using this method will typically save you between 15 and 20 percent per month on your mortgage payment, but you could owe a portion of the appreciation on the home when you sell.

Homeowners association fees: Not all homes have a homeowners association to pay into.

Purchasing a home with HOA-covered amenities could cost, on average, an additional $200$400 per month.

Maintenance fees: The costs that would normally fall to a landlord, like fixing broken plumbing or a heater on the fritz, will now fall on your shoulders.

Some suggest saving one percent of your home’s value annually for maintenance.

Utility costs: Unless your rent has included the cost of utilities, this is probably already an expense you’re used to. However, if you’re moving into a bigger home with less energy efficient appliances, you should be prepared to see an uptick.

Start living like a homeowner If you want to avoid experiencing sticker shock after your home purchase is complete, start living like a homeowner now.

Consider your current rental or home-ownership costs and compare them to the costs for a home in your target price point. Can your current budget handle the difference? Are you still able to pay for your necessities plus shore up your financial future through short- and long-term savings? Or do you find yourself feeling desperate by the end of the month?

Not only will this allow you to get used to the change before the stakes are higher, but it can also help you save more money to put toward unexpected costs for your future home purchase.

Determine where to make adjustments Does living like a homeowner make you a little wary for what’s next? Now is the perfect time to create space in your budget by cutting back expenses and paying down debt.

Now that you know where your money is going, determine the unnecessary leaks. Maybe your monthly food bill is exorbitantly high. Or maybe your subscription services have gotten out of hand. If your priority is purchasing a home - and being financially comfortable in that home work to cut expenses that are contradictory to that goal.

Next, tackle your debt. There are two big benefits to beefing up your debt repayments now: You can lower your monthly obligation and improve your chances of getting approved for a loan. It’s a win-win. (BPT)

Our new indoor warehouse area is starting to fill up!

COME SEE ALL THE NEW SLABS!

2053 Central Avenue • Colonie 518-456-6500 • esstone.com

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LifeandHomesAdirondack ™

Properties & Land

Adirondack Splendor!

70 Acres borders State Forest & Trout Stream!! $195,000

PECK LAKE! $340,000

Year Round waterfront home. 3BR/2BA , Fireplaced living rm, Formal dining, Laundry main floor. Full walk out basement 2 car garage, IMMACULATE! Pontoon Boat available too!

This wonderful Colonial home has been modernized through the years yet remains classic! Beautiful wood floors, 2 generous BRs, 3 smaller BR’s, 2 full baths. A Stone fireplace is the focal point in the living room. Lots to enjoy inside and out. An inground pool if you’re not up to travelling to one of the nearby lakes!! Come see this Gem!

SPORTSMAN!!! HUNTERS! $199,000

Keyser Lake! $180,000

Beautiful New Construction 3BR/1.5BA fully insulated!

Docks, decks to enjoy summers on this motor-friendly PRIVATE LAKE!! All furnishings can stay so you can move right in!! Just north of Little Falls. This lake is a gem.

96Ft Deep at the Dam, Bald Eagles, Fishing and snowmobiling in winter!

Extremely Private 161 Acres and a 4BR/1BA Year round get away! Much Larger than appears!! Gated drive, trails thru the acreage. Furnishings all stay so you can use it right away!

Check the Web for LOTS AND LAND! www.ADKSrealty.com

BIRD’S

Adirondack Real Estate

Own A Piece of The Adirondacks

2730 Route 28, Old Forge, NY 13420

315-369-2136

Check all the listings at: www.birdsadkrealestate.com

Just Listed

Third Lake

Business Opp W/ Living Quarters Old Forge $895,000

Raquette Lake

$475,000

Long Lake

$59,000

3rd Lake Ranch

$795,000

Big Moose

Raquette Lake

$695,000

Old Forge

$559,000

Raquette Lake

$139,000

Marine Dealership - 2730 Rt 28 - Business Opportunity with spacious living quarters. Old Forge Marine dealership & garage includes 2 offices, 50’X 100’store and garage on 180ft of road frontage on Rt 28. Garage has 3 overhead doors in back and 1 in front.

$235,000

3 story 8 bedroom lodge on 8.5 wooded acre lot. Features stream running into a private cement pond, large barn & att garage. Main house has large kitchen, dining room, living room with stone fireplace & family room. 2nd floor has 6 bedrooms & 2 baths. 3rd flr has 2 bdrms & bath.

16

3 bedroom seasonal home with loft on104’road access lakefront. Large living room / dining/ kitchen with 2 bathrooms on 1st floor. 1/2 drive in basement. National Grid power, well & septic sysem.

3 bedroom home on 7 ac lot with 370’of lakefront. Features large living room with fireplace, dining room with fireplace, kitchen, bath, & loft.

Also includes guest cabin. Boat access for added privacy & electric power & phone service.

LifeandHomes ■ Capital Region

6.2 AC wooded lot with small shed. Town water & under ground power.

Possible owner financing.

Private wooded Lakefront lot. 200’lakefront lot on 2nd lake. With 4 acres there’s plenty of room for your dream home. A must see!!

Tuttle Rd., Old Forge -Year around 4 bedroom ranch home, eat in kitchen beautiful fireplace with boathouse on 100’of lakefront. Features sun porch & walk out basement facing 3rd lake. Great for summer and winter sports!

Woods Point - 2 Acre wooded Lakefront lot located on Raquette Lake! If you’re looking to get away from it all, this is the lot for you! Boat access only plot located on 150 ft of Lakefront! Don’t wait any longer for your own private retreat spot at the mouth of the Marion River!

LifeandHomesAdirondack ™

Properties & Land

Premier Lakefront Property

Alternative to high Lake George property prices! New development featuring premier 5.49 acre lakefront lot on Great Sacandaga Lake near Sinclair Point.

Build your lakefront dream home on this approx. 215’ lake frontage corner lot with sandy beach and west-facing views with water/dock rights. Gently sloped to lake, cleared & partially wooded. APA & Town approved for building, septic & well marked on survey. Subject to conditions of HOA approved by NY AG. List Price $299,000. Other lots available in development, with lake access. Call or visit our website for additional information.

283 Bunker Hill Road, Mayfield NY 12117

518-265-2952 • www.adirondackestatesrealty.com Mario J. Papa Kathleen A. Ratajczak Lic. R.E. Broker Lic. R.E. Salesperson

3044 State Route 28 (Main Street) Old Forge, NY 13420

Welcome Home

(315) 369-6910

www.herron-realty.com herronrealty@gmail.com

#160807 YEAR ROUND

#160801 4TH LAKE

#159699 CHARM & CHARACTER

#159497 ADIRONDACK PARK HOME

#157270 DEEDED LAKE RIGHTS

3 Bedrooms | 2 Baths | $139,000 YEAR ROUND WHITE LAKE HOME - Lake Rights to beaches and boat launch a short walk away. 3 Bedroom, 2 full bath ranch with many updates including new well, septic tank, and bathroom. Home has hardwood floors, attached garage, and is being sold furnished.

3 Bedrooms | 1 Bath | $240,000 IT DOES NOT GET MUCH BETTER THAN EAGLE BAY PARK - a view of 4th Lake & only 250’to the beach.You can enjoy year round living, a beautiful kitchen, spacious living/dining area, enclosed porch, deck & spectacular location all in1 nice package. Being sold turn-key.

3 Bedrooms | 1 Bath | $144,900 3 BR BUNGALOW - Located close to Old Forge waterfront, offers charm and character with enclosed porch and stone fireplace. Great investment/rental potential - currently tenant occupied.

2 Bedrooms | 1 Bath | $237,900 LOCATED WITHIN ADIRONDACK PARK - year round custom built high efficiency 2+ BR home boarders NYS land and the outlet to Upper Chase Lake. A true 4 season recreational paradise on 3+ acres. C abin has many high end finishes including hardwood, granite, stainless steel.

1 Bedrooms | 1 Bath | $149,900 ADIRONDACK LOG CABIN – large covered porch. Deeded lake rights to Hollywood Hills Beach & easy access to snowmobile trails. Open floor plan, 1 bedroom plus loft, full bath. Plenty of parking for boats and snowmobile trailers. 17KW automatic propane standby generator.

#159969 HOME ON PRIVATE POND

#160655 4TH LAKE CAMP

#160434 BEAUTIFUL 4TH LAKE HOME

#160386 RAMBLER’S LODGE

#160464 SECLUDED TURN-KEY HOME

2 Bedrooms | 1 Bath | $279,000 MULTI USE PROPERTY – with 15.4 acres, 1344 square foot store, year round house and 40’x 60’barn. Sitting on a private pond the home offers liv/din/kit with brick fireplace, 2 bedrooms and full bath. Town approval will be required for any business venture.

3 Bedrooms | 2 Baths | $249,000 RELAX ON THE DOCK – Fourth Lake or collect $750/week in rent.

This 3 bedroom camp has 2 updated bathrooms. Most furnishings will be left, washer/dryer, range, refrigerator, freezer, and microwave. An overhead balcony provides an overlook off of the master bedroom.

4 Bedrooms | 3 Baths | 160’ Water | $875,000 BEAUTIFUL 4TH LAKE HOME – Whether enjoying the breath taking views from the large deck on top of the boat house or curled by the stone FP serenity radiates. Open LR/DR/Kitchen area offers nice space for entertaining w/sunroom overlooking 4th Lake.

10 Bedrooms | 6.5 Baths | 130’ Water | $945,000 RAMBLER’S LODGE – is a wonderful 4th Lake lodge offering an atmosphere dating back to grander times along Fulton Chain of Lakes. Lodge has 4 bdrms/2.5 baths, add’l cottages & boathouse provide 6 bdrms/4 baths. Excellent rental history.

4 Bedrooms | 3 Baths | 350’ Water | $695,000 SECLUDED TURN-KEY HOME – On Eagle Creek w/350’of waterfront offers you privacy while providing quick access to 4th Lake.

Kitchen & DR with beautiful stone FP open to large LR overlooking the water. Plenty of room for you and your guests!

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LifeandHomes Washington ™ W

County Properties & Land

Brenda St. Louis

Coldwell Banker Prime Properties www.ColdwellBankerPrime.com 518-932-0302 Office

Lic. R.E. Salesperson

518-260-6909

brenda.stlouis@coldwellbankerprime.com

Making Real Estate REAL Easy!

$188,000 - Hartford

$194,900 - Hartford

Historic village home, remodeled but kept a lot of original features. Kit. cabinets & appliances, large pantry, rustic wood ceiling. Double LR’s w/fireplaces, DR w/original light fixture. Master bdrm & bath main floor. 2 BR’s with FP upstairs. New bathroom & laundry room on 2nd floor. Area for a playroom or storage.

Large front porch w/trex decking. Deck off dining room w/ trex. 1.54 Separate entrance for possible in-law apt. or small home business. New roof, windows, doors, furnace & hot water heater.

Ranch Home with four bedrooms two baths. Totally just repainted on exterior.

Full basement with bar and pool table.

On 10 acres. 40X28 garage with three bays and 14 x 12 shed. Blacktop driveway and very private. Lots of wildlife. A must see!

LAND FOR SALE

$166,900 - Hebron

Just Reduced $119,000 - Argyle

Country home, private setting. Four bedrooms, two baths, large country kitchen, newer appliances. 20 x 16 screen porch with a bar. Living room with the sunroom. Three car garage.

Many updates! Large baker-friendly kitchen. Three bedrooms, two baths. Wood stove in the living room & central air. Newly constructed deck all ready for your hot tub.

LifeandHomes Farms

$55,000 - Hartford

$20,500 - Hartford: UNDER CONTRACT 1.9 acres with a drilled well on Main road .

Great hillside lot with awesome views and amazing sunsets!

Needs TLC but very livable. Has been rented the last 10+ year. On a main road. Will make a great antique or craft shop. Nice private back yard with a large garage (barn).

$22,500 - Granville: Endless possibilities.

On Main Road, commercial or residential.

for Sale

245 Posson Road, Norwich, NY 13815 www.PossonRealty.net

David C. Posson • Lic.R.E. Broker • 607-316-3758 – David cell Kara L. Posson-Reed • Lic.Assoc. Broker • 607-316-6597 – Kara cell 2732 - Herkimer County Gentleman’s Beef Farm 2751 - Otsego County Dairy Farm 120 Beautiful acres. 50 acres tillable. 35 acres in pasture.

Balance woods. Two new barns 40x60 concrete floor w/feed alley for beef. Power and water. 30x60 open front. Building for hay and machinery storage. Very nice remodeled 4 bdrm 2 story home with a large new addition, family room, and stone fireplace. This is a really, really nice home. Great setting close to markets. Great place to live and farm. Raise beef, make hay, run a few horses.

Reasonably priced for all that it offers. Asking $399,900.

2736 - Madison County Farm

240 acres,120+ acres tillable, good corn and alfalfa ground. 50 acres of pasture with year round stream.

Older 2 story barn plus 40x80 pole barn with a 32x40 insulated woodworking shop insulated. Good 2 story 5 bdrm home. Lots of road frontage. Could be sub-divided. Just mins from the beautiful Cazenovia area. Also not far from Cortland and Syracuse. Equipment and Ag related businesses all close by. Reduced from $450,000 to $399,000

2758 – Cortland County

122 acres by survey Dairy/Gentleman’s Farm. 80 acres tillable w/ good soils that could certify organic. Balance mostly high tensile pasture, some woods. Nice little 2 story 40 stall barn w/ a drive in mow. Set up for milking. Nice remodeled 2 story 6 bdrm home with 2 bth. Awesome location & beautiful setting. Mins from I81 Cortland. Syracuse, Binghamton all within minutes. Asking $425,000

18

LifeandHomes ■ Capital Region

43 acres with close to 400 additional acres tillable to rent and rent reasonable. Good 36x220.working 80 stall single story tie stall barn. Also a side addition 30x30 used for calf pens..2 inch pipeline, 1500 gallon bulk tank, 6 milking units with Boumatic take offs. New 50x72 loose housing barn. Three sided 40x80 machinery building for equipment storage. 32x40 shop barn with concrete floor and power. Good partially remodeled story and half farm house with 4 bdrms. Farm located on a quiet road. Just mins from Cooperstown. Would make a nice place to milk a dairy of cows or raise beef, horses. Stored feeds on hand for spring closing. Asking $265,000 bare. Cows and equipment available.

2486 - Beautiful Otsego County Gentleman’s Farm

Exceptional Land and Buildings. 75 Beautiful acres bordering the Unadilla River. Good 24x42 Shop Building for storing equipment. Stock barn, storage barn.

Both of these buildings are in excellent shape. Very nice 2 story Log home with a full basement. Driveway over 600 ft long to a very quiet road. Spectacular setting. Awesome location. Mins from schools, shopping and hospitals. Mins from local Ag infrastructure and businesses. Asking $299,000.

LifeandHomes

™F

Fulton/Montgomery Properties & Land Junell Pasquarelli • NYS Licensed Real Estate Broker

Junell Realty, LLC • 161 Honeywell Corners Rd. • Broadalbin NY 12025 "Because Your s" www.JunellRealty.com • 518-588-5141 atter Move M

Carol G. Paciolla • NYS Licensed Real Estate Associate Broker • (C) 518-332-3279 Daniel Ruggeri • NYS Licensed Real Estate Sales Person • (C) 518-229-8657 Local, Honest & Dependable. Call Today For ALL Your Real Estate Needs NEW LISTING $259,000 184 Burley Rd, Town of Glen

NEW LISTING $129,900 223 Church St, Town of Charleston

ONLY $69,900 2430 Hickory Hill Rd, Fonda

ONLY $15,000 993 River Rd, Ft. Plain

NEW LISTING $139,900 2 St. John St, Amsterdam

NEW LISTING $ 129,900 465 North Green Rd, Charleston

REDUCED $280,000 552 State Highway 161, Town of Florida

WELCOME TO THE TEAM

REDUCED $315,000 530 Sager Rd, Town of Florida

This 4 BDRM, 2.5 bath home is only 11 yrs old. Over 2,400 Sq. Ft. of living space, situated on 6.1+/- acres in a nice country setting with a 3 car carport (just add doors for a 3 car garage).

This is basically a SHELL for someone to rehab & make their own or flip it. It is on 1.8+/Acres, 3 BDRMS, 2 full baths & nice country setting. Home has no heating system. Annual taxes $1,175.

A BEAUTIFUL 3 BDRM, 2.5 BATH COUNTRY HOME situated on 9.9+/- acres w/large 2 car garage & full dry basement.

Located close to Exit 27 on NYS Thruway for an easy commute.

Gorgeous setting, post & beam style home, huge 1st floor master suite.

This is a 4 BDRM, 2 full bath doublewide situated on 5.4 +/- acres w/2 car garage & shed. Master Bathroom is new & beautiful w/grey ceramic tile. New carpet, some new windows, new countertops & backsplash.

This is a 3 BDRM home w/hardwood floors, full walk up attic that you can finish off for more living space, 2 car garage, small yard, public water is an option.

Could be a great investment or flip for you.

This is one SUPER CUTE 3 BDRM, 2 full bath ranch w/2 car garage & finished basement situated on a corner lot on the Southside of Amsterdam. A must see!

We have a very nice 8 Year Young Doublewide on 17.10+/acres. Home offers open concept, 1,792 sq. ft. of living space, 3 BDRMS, 2 Full Baths & private country setting.

Andrea Brooks

ONE UNIQUE & GORGEOUS 4 BDRM, 2.5 BATH COUNTRY STYLE HOME on 2.8+/- acres w/ large 3 car garage & carport/rv port. Cathedral & vaulted ceilings, nice view, stunning living room, large master suite on 1st floor & SO MUCH GARAGE SPACE!!!

NYS Licensed Real Estate Salesperson (C) 518-366-6818 Andrea.Brooks@yahoo.com

REDUCED $244,000 281 South Line Rd, Galway

NEW PRICE $185,000 489 County Highway 107, Johnstown

NEW LISTING $89,000 31.30+/- acres - Horning Rd, Town of Palatine

NEW CAMP LISTING $59,900 130 Scott Rd, Caroga Lake

ONLY $115,000 463 Locust Ave, Amsterdam

REDUCED $50,000 6 E. Liberty St., St. Johnsville

PRICE REDUCED $55,000 5 East Liberty St, St. Johnsville

Commercial ONLY $29,000 27 Hancock St, Ft. Plain

Vacant Land $22,500 - Mary St. Tribes Hill

HUGE 2+ CAR GARAGE w/Bonus Room above. Spacious 3 BDRM home w/a finished basement, hot tub, wood stove, low taxes at only $3,090 per year with NO exemptions & 1.02+/- acres.

Cute 2 BDRM Camp that fits 5 beds, seller is looking to sell fully furnished including a heavy duty wood stove & enjoy E. Caroga Lake Association Beach Rights for about $70.00 per year.

This building has a great brick exterior, fenced yard & furnace that’s only 2-3 yrs. old.

With a little paint & refinished hardwood floors, this could be a cute 3 bdrm, 1.5 bath home w/ 1st floor laundry. Cheaper than renting!

THIS IS A VERY NICE HOME WITH TON’S OF CHARACTER. 4 BDRMS, 1.5 baths, 8.8+/- acres, a HUGE COUNTY STYLE KITCHEN, a nice deck outback to relax on, over 2,700 sq. ft. of living space, newer furnace, added insulation & annual taxes $3,365.

Build your dream home here!

Total 31.30+/- acres, Motivated Seller says MAKE AN OFFER! Across from 357 Horning Rd, Palatine Bridge.

Great MOVE-IN-CONDITION, super spacious 3 BDRM, 1.5 bath home with nice back yard, 1st floor laundry, large shed & hardwood floors under the carpets. Motivated Seller.

This former car wash could be a nice investment for someone.

Property needs some work to be operational again. Lot is surveyed 102’ x 92’. Lot, Building & Remaining Equipment is being Sold “AS IS”.

This is a cute 3 BDRM, 1.5 bath home with a 1 car garage, nice large fenced yard, kitchen & dining room have stone flooring, 1st floor laundry & annual taxes are only $2,436.

Bldg. lot 200 x 150 with drilled well already on the property.

$24,000 - Getman Rd. Town of Mohawk Bldg. lot - 2+/- acres

$7,000 - Burdick Rd, Town of Johnstown Bldg. lot 0.69+/- acres

$64,900 - Town of Johnstown/Gloversville 95+/- acres

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Behind every successful man there is a woman.

Behind the Area’s Top Realtor are

8 incredible women!

The John Brown Team No One Has Sold More Homes in the Mohawk Valley Than John & His Team.

NO Gimmicks - GREAT Results

www.johnbrownsells.com

Utica 315-735-2222x6641 • Ilion 315-574-2260 • Rome 315-356-5760 20

LifeandHomes ■ Capital Region

House, Barns

and B&B

Business

Opportunity

on 100 Scenic Acres

937 Allen Lake Road, Springfield

Nestled just 11 miles North of Cooperstown, in picturesque Springfield, this spacious 5 bedroom, 3 full bath Colonial provides country peace and privacy with easy access to all the modern amenities for shopping, dining, sports and the arts in scenic downtown Cooperstown.

Designed from plans from the Old Sturbridge Village, this charming. 2800 sq. ft. cedar clapboard-sided home welcomes you with it’s warmth, comfort and stunning views of peaceful land and ponds. Imagine starting you mornings looking over the grounds from the comfort of your 35x10 enclosed sunporch. There are two fireplaces, a formal living room and a large den, plus a formal dining room and casual dining area; ideal memory making spaces for when family and friends gather.

Included in the package are two horse barns with up to 10 stalls for boarding and breeding. The spacious upper loft of the barn could easily be used for hosting family parties, weddings or extra storage.

This homestead is unique in that it is already set up for a Bed-& Breakfast business opportunity. Draw clients from Cooperstown Dreams Park or nearby Glimmer Glass Opera House. With 2 stocked ponds and abundant fields and woods, you could easily market the B&B as an ideal hunting and fishing destination.

This home provides all the comforts to make it a place you never want to leave and even so more when entertaining.

Large enough to have some “me “ time, but small enough to easily maintain. The affordable taxes are an added bonus.

$749,000

Tired of the city and ready to make your home in a safe and tranquil location? This property is a Must See. Give us a call and we’ll gladly give you a tour. Buyers Protected.

Asking $749,000 for the House, Barns, & 100 acres.

Lou Brookman

For Sale By Owner

315-858-3903 lfbrookman@aol.com October

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21

LifeandHomes Business Directory

Looking for Answers to Your Home Related Questions?

Search no further! Consider Your Local Business Expert!

Auction Service

Insurance

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 12/15

MARYANN O’BRIEN Your Local Farmers Agent currently offers Savings 518-280-1396 Member Since 02/15

call Messier’s Auction Services, a professional auction company,where the auction action is to your satisfaction. messiersauction.com

Estate Sales

Pet Care

For: Auto, Home, Life, collectable Auto, business, renter, boat, Personal Watercraft, Motorcycle,

miles. www.reutilizecny.com

Home Inspection 518-371-7944 Member Since 01/15

certified codes officer

or repair & also offer pool care & spa services.

Stone

modular industry, with over 1,200 homes built. www.PeacefulLivingHomes.com

EMPIRE STATE STONE 518-456-6500 Providing capital District customers with the Member Since 10/17

finest granite, quartz and natural stone products available. www.esstone.com

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

Tell your Realtor you want your house advertised in

LifeandHomes™ The Area’s #1 Local Real Estate Publication

Contact David Lisi | 315-865-5845 David@LifeandHomes.com www.LifeandHomes.com

We bring people and homes together.™ LifeandHomes ■ Capital Region

Member Since 07/15

www.NationalLandandFarm.com

Don’t see YOUR For Sale Listing in this issue?

22

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

brokers Specializing in Land and Farm Sales.

Modular Homes Member Since 10/17

Serving the capital District since 1993. NYS Licensed Home Inspector, Lic # 16000005522; NYS certified Pest Inspector #t5685318; NYS

narian approved. capitaldistrictdogguard.com

years experience in the swimming pool industry.

We provide pool installation, renovation, service,

PEACEFUL LIVING HOME SALES over 35 Years of experience in the custom 518.883.7673

VSI LLC

Lifetime warranty,outdoor & Indoor systems,Veteri-

Pools

Land

ing one item or entire estates. Visit our store for used furniture, artwork, collectibles, antiques, home decor, tools & more. travel radius 250

Member Since 04/16

condo, Mobile Homes, recreational Vehicles

NATIONAL LAND & FARM RE-UTILIZE CNY ESTATE LIQUIDATIONS & CLEAN OUT SERVICE 1-877-528-LAND Looking for rural, recreational, or Agricultural 315-292-2076/ Jonathon D. Smoulcey - Providing cNY area Member Since 02/15 Properties? check out our network of real estate estate liquidations and clean out services. buy315-797-3788 Member Since 06/16

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

518-767-3647

ADIRONDACK BUILDERS INC. Start Living Your Dream Today

Call Dean Case 315-534-3319 AdirondackBuildr@aol.com AdirondackBuildersInc.com

Our goal is to provide you with a no pressure, turnkey home building experience - log or stick built.

We specialize in Log Homes, Timber Frame Construction, Fireplaces, Basements, Decks, Custom Kitchens, Additions, & General Contracting, including Carpentry, Plumbing, Masonry, Roofing, & Electrical work.

Need a Commercial Loan?

Agape Commercial Lending Solutions could be the answer. *Nationwide *Interest Only * Recourse and Non-Recourse Loan Programs

• Fixed Rate Financing on Income Producing Properties • $250k - $15M • 1-3 Year Term • Typical 9-14% Interest Rate • LTAV - up to 75% • DSCR - 1.05% Minimum • Fast Funding

Property Types

• Multi-Family • Office • Bulk Industrial • Retail • Self-Storage • Other asset classes considered on a case-by-case basis

AGAPE COMMERCIAL LENDING SOLUTIONS Please Call Rich Nurge - 860-306-4065 Terms & Conditions Subject to Change

Waterfront Building Lot

Build Your Waterfront

Dream Home Imagine living in a waterfront home on gorgeous Delta Lake. Take advantage of this rare opportunity to build in a highly sought after location. The mostly level parcel has been cleared and is ready for you to build to your specs. Zoned recreational, the parcel features 8 +/- acres on scenic lakefront and can be sub-divided into 5 lots or more, if desired. Reasonably priced and just waiting for your touch.

6642 Stokes-Westernville, Ava. Call now before this one is sold.

Price Negotiable. Possible Owner Financing.

South Fork Enterprises, LLC

Frank - 315-271-4490

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23

The Capital Team at Howard Hanna

Brian Brosen & Reginald Monroe

Licensed Associate Real Estate Brokers

Proudly Serving the Community for 13 Years Brian Brosen

Reginald Monroe

David Skoney

Linda Pazienza

Jacob Gordon

Ryan Szablewski

Brian@TheCapitalTeam.com

Reggie@TheCapitalTeam.com

DSkoney@realtyusa.com

Linda@TheCapitalTeam.com

Jacob@TheCapitalTeam.com

Ryan@TheCapitalTeam.com

Lic. Assoc. R.E. Broker (518) 669-2633

Lic. Assoc. R.E. Broker (518) 669-8330

Lic. R.E. Salesperson (518) 892-4251

Lic. R.E. Salesperson (518) 779-7400

Lic. R.E. Salesperson (518) 369-4912

Shannon Muth Lic. R.E. Salesperson (518) 937-0930

Katelyn Wilder Lic. R.E. Salesperson (518) 378-9912

Shannon@TheCapitalTeam.com Katelyn@TheCapitalTeam.com

2130 Primrose Lane, Niskayuna - $329,000

231 State Highway 334 Johnstown - $210,000

14 Warren Avenue, Albany - $167,000

Altamont - $79,900

Shined up and spacious colonial ( 2316sf) situated on a quiet cul-de-sac in a super convenient location in the Niskayuna school district. The home has been freshly painted throughout, features spectacular refinished hard wood floors, gas fire place in the family room and finished basement space for even more room to enjoy this home. Central air, 1st floor laundry, over sized 2 car garage with freshly resurfaced/painted floor and 2nd floor master with walk in closet. Nice back deck overlooking private yard.

Spacious home in super convenient Campus area neighborhood, close to shopping, SUNY Albany/SUNY Poly, highways and much more. This home features hardwood floors, a fantastic screened porch overlooking beautiful back yard space with covered patio area. Good sized kitchen with plenty of counter space/cabinets, and bedrooms with hardwood floors and built in storage systems. Central air, roof is less than 10 yrs old, half bath on lower level, well maintained. Contingent upon owners finding home of choice.

687 Slate Hill Rd, Sharon Springs - $359,900

Seeking room for everyone? This 4 bedroom, 3 bath home with over 3000sf sits on 80 acres, nestled quietly only minutes from the village of Sharon Springs. This superb family retreat offers a great wrap around porch, back deck, in ground heated pool with great views. The home has an amazing updated kitchen w/ granite counter tops, under cabinet lighting, new SS appliances. There is a great 1st floor laundry room, living room with wood burning fireplace, new hardwood floors and formal dining room.

24

Lic. R.E. Salesperson (518) 496-3429

LifeandHomes ■ Capital Region

Fantastic stick built modular on a near acre lot (.96) that backs up to sweeping views of farm land. This 18 yr old home features an nice open floor plan, living room with pellet stove, spacious kitchen, and over 2000sf of living space. Home has full basement, built ins, a great 3 car garage and roof only 5 years old.

Master bedroom suite with jetted tub,Central Air, off street parking for 10 or more, skylights, formal dining room, vinyl tilt in windows and lots of natural light.

Fantastic 5.79 acre parcel with some nice views. The owner has done all of the prep work, including paved driveway, approved subdivision plans, perc test complete, engineering reports, site approvals and utilities already in underground. Schalmont school district.

Thinking About Buying?

Sit down with one of our trusted agents and become educated on the home buying process.

Become empowered before entering this extremely competitive home buying market.

We have agents covering a vast territory in Upstate NY.

Considering A Career In Real Estate?

Contact us today for a confidential interview and learn the costs, the process and what is truly involved in a possible career change.