Life and Homes South Charlotte by Stephen Lisi

Life and and

South Charlotte Central NY

Homes

FREE Free

ptember Aprils e2010 2014

R e sB i dr ei n ng t iianl g• p Ce oo mpml ee r cai n ad l • hMoum l tei s- F taomgi e l yt h• e Lr a n d

w w w. L i f e a n d H o m e s . c o m

Must See Local Listings

Welcome To The Neighborhood Your Local Real Estate Guide @ LifeandHomes.com

Welcome

Life and

Homes

Thank you for picking up this premier issue of LifeandHomes™ South Charlotte.

south charlotte, nc Edition

We are happy and excited to showcase our amazing local communities,

Published By LifeandHomes South Charlotte Khale R. Davison, RMC 844-543-3263 khale@lifeandhomes.com

neighborhoods, homes and the lifestyles that make the Greater Charlotte area so wonderful!

South Charlotte LifeandHomes™

In the coming months you will see that we are much more than just another real estate magazine! We are a multi-media real estate AND real estate related

PO Box 4613 Rome, NY 13442

industries marketing company! Our goal, that we strive to attain every day, is

Khale R. Davison Real Estate Marketing Consultant

to increase real estate and real estate related transactions through our innovative

844-543-3263 • Khale@lifeandhomes.com

844-543-3263 Account Executive Karl Sch ultz 315-868-9471

betty smit h

use of a digital/print publication, web site, social media, radio and Internet

704-449-7577

Ann Wa lseman

radio for our advertisers.

315-368-4098

We innovate! In the coming months you will watch us grow in your community bringing you interesting articles regarding lifestyle, health, music, sports and everything that is important to you in the Carolinas. We enjoy working with Realtors, For Sale By Owners, builders, gyms, home service professionals and all the other businesses that make up the communities in the Greater South Charlotte region and we will strive to bring buyers and sellers together in an attempt to support these wonderful local businesses. Additionally, we offer relevant articles, real estate listings, industry related directories and lifestyle advertisers who want to serve and assist you with any needs you may have.

LifeandH mes

Mi che lle E . King ™

Online Radio

Distribution Manager M ich ael Hami lton

ROUtate ProfessiBLE NDTA

Advertising Deadline

Rea

l Es

ls ona

ATTN: RADIO STATION OWNERS LifeandHomes™ Radio is looking to broadcast our three-hour daily programing in the Charlotte area. Interested in hearing more, Contact Khale Davison • 844-543-3263 khale@lifeandhomes.com

Please look for your FREE issue of LifeandHomes™ at many of our fine restaurants, personal care offices, retailers and other area businesses. We also invite you to visit us online at www.lifeandhomes.com for additional real South Charlotte

estate listings, articles and some remarkable deals on properties and services

OPEN HOUSES

Khale Davison

844-543-3263 • Khale@lifeandhomes.com

facebook.com/pages/LifeandhomesCharlotteSouth

We br i n g p e o p l e a n d h o m e s t o g e t h e r .

October Issue September 5, 2014

Corporate Office D avid Lisi, O WNER 315-865-5845

David@LifeandHomes.com Lisi Merchant Solutions, Inc. PO Box 18 Holland Patent, NY 13354

315-865-5845 Fax 1-315-865-7418 www.LifeandHomes.com/Charlotte-South For franchise information call, 315-865-5845 LifeandHomes is published monthly by Lisi Merchant Solutions, Inc. This information has been compiled from public records and other sources we believe to be reliable, but we make no guarantee with respect to its accuracy or completeness or the absence of restrictions on use and are not responsible for any liability, loss, or risk that subscribers may incur, directly or indirectly, from using the contents of this site. Copyright © 2014 Lisi Merchant Solutions, Inc.

LifeandHomes™ Franchise is a low cost, home-based, recurring revenue business model.

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

LifeandHomes' goal is to increase real estate, and real estate-related, transactions in our local area. We live here. We care. 2

980-422-1229

Looking for a Franchise?

Welcome to LifeandHomes™ South Charlotte and all of us here thank you for

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THIS WEEKEND‘S

that we hope will make your life much easier.

your patronage.

704-962-6409

Our franchise system enables the franchisee to become the Real Estate Marketing Expert in their community. Contact David Lisi 315.865.5845 LifeandHomes.net david@lifeandhomes.com

Must-Know Mortgage Terms FICO Score: FICO is an abbreviation for Fair Isaac Corporation and refers to a person’s credit score based on credit history. Lenders and credit card companies use the number to decide if the person is likely to pay his or her bills. A credit score is evaluated using information from the three major credit bureaus and is usually between 300 and 850. “A” Loan or “A” Paper: a credit rating where the FICO score is 660 or above. There have been no late mortgage payments within a 12-month period. This is the best credit rating to have when entering into a new loan. “B” Loan or “B” Paper: FICO scores from 620 - 659. Factors include two 30 day late mortgage payments and two to three 30 day late installment loan payments in the last 12 months. No delinquencies over 60 days are allowed. Should be two to four years since a bankruptcy. Also referred to as Sub - Prime. “C” Loan or “C” Paper: FICO scores typically from 580 to 619. Factors include three to four 30 day late mortgage payments and four to six 30 day late installment loan payments or two to four 60 day late payments. Should be one to two years since bankruptcy. Also referred to as Sub - Prime. First Mortgage: the mortgage with first priority if the loan is not paid. Second Mortgage: an additional mortgage on property. In case of a default the first mortgage must be paid before the second mortgage. Second loans are more risky for the lender and usually carry a higher interest rate.

Balloon Loan or Mortgage: a mortgage that typically offers low rates for an initial period of time (usually 5, 7, or 10) years; after that time period elapses, the balance is due or is refinanced by the borrower. Biweekly Payment Mortgage: a mortgage paid twice a month instead of once a month, reducing the amount of interest to be paid on the loan. Convertible ARM: an adjustable-rate mortgage that provides the borrower the ability to convert to a fixed-rate within a specified time. Fixed-Rate Mortgage: a mortgage with payments that remain the same throughout the life of the loan because the interest rate and other terms are fixed and do not change. Graduated Payment Mortgages: mortgages that begin with lower monthly payments that get slowly larger over a period of years, eventually reaching a fixed level and remaining there for the life of the loan. Graduated payment loans may be good if you expect your annual income to increase.

Intermediate Term Mortgage: a mortgage loan with a contractual maturity from the time of purchase equal to or less than 20 years.

Lock It Up -

Safe Firearm Storage

According to a study by the RAND Corporation, approximately 1.4 million homes have firearms stored in a way that makes them accessible to the wrong hands – children, at-risk youth, potential thieves, and those who intend to harm themselves or others. To help you find the best safe storage solution for the firearms in your household, the National Crime Prevention Council suggests some of the most readily-available storage solutions. *A trigger lock can be used to keep someone from being able to pull the trigger. Trigger locks are available in a variety of configurations, from basic key lock options to those that require combinations to open the lock. * The cable lock can be used on most firearms. The cable is most often placed through the gun barrel, which generally impedes loading and firing. * Storage cases come in various sizes and can be used for both storing and locking up a firearm. The case can be locked, but the lock must often be purchased separately. *A lock box is like a small safe that allows you to store your firearm safely and securely via key or combination lock or by a digital keypad, to prevent unauthorized access to the firearm. * Gun safes comes in a number of sizes to accommodate long guns and includes spaces for storing handguns as well and have the option of a combination lock or digital keypad to lock it.

L i f e and H o m e s

HECM (Reverse Mortgage): the reverse mortgage is used by senior homeowners age 62 and older to convert the equity in their home into monthly streams of income and/or a line of credit to be repaid when they no longer occupy the home. A lending institution such as a mortgage lender, bank, credit union or savings and loan association funds the FHA insured loan, commonly known as HECM.

Join the Conversation: Go to www.facebook.com/ pages/LifeandhomesCharlotteSouth to leave your thoughts on this and other articles.

For more safety information, visit ncpc.org www.Life and Homes .com

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Assumable Mortgage: when a home is sold, the seller may be able to transfer the mortgage to the new buyer. This means the mortgage is assumable.

Lenders generally require a credit review of the new borrower and may charge a fee for the assumption. Some mortgages contain a due-on-sale clause, which means that the mortgage may not be transferable to a new buyer. Instead, the lender may make you pay the entire balance that is due when you sell the home. An assumable mortgage can help you attract buyers if you sell your home.

Two Step Mortgage: an adjustable-rate mortgage (ARM) that has one interest rate for the first five to seven years of its term and a different interest rate for the remainder of the term. (HUD.gov)

September

ARM: Adjustable Rate Mortgage; a mortgage loan subject to changes in interest rates; when rates change, ARM monthly payments increase or decrease at intervals determined by the lender; the change in monthly payment amount, however, is usually subject to a cap.

newsShorts

Free Money ‘Cause everyone loves FREE stuff: Swagbucks is a free site that offers you a bunch of ways to earn “Swagbucks” which can be redeemed for cash & gift cards. You can earn by answering polls, taking surveys, doing simple tasks online, and even trading in old video games or books. Ebates and Big Crumbs are free programs that give you up to 25% cash back for purchases that you make online. (Source: ChristianPF.com)

Only Certain Home Improvements Pay Off The Appraisal Institute (AI) encourages homeowners to exercise good judgment when deciding which home improvement projects to take on, saying that not all renovations enhance property values. “It’s very important that renovations stay within, but not exceed, community norms,” says AI President Ken P. Wilson. “If they don’t match what’s standard in a community, owners could have difficulty recouping their investment when selling the property.” According to Remodeling magazine’s most recent Cost vs Value report, some of the projects with the highest expected return on investment are entry door replacement (steel), deck addition (wood), garage door replacement, attic bedroom and minor kitchen remodel. Other renovations with high expected pay-offs include window replacement

Wilson advises homeowners that it may be best to hold off on major renovations if they aren’t sure how long they will be in the home. The longer a homeowner stays in a property, the greater the opportunity for a return on investment, he says. “And cost does not necessarily equal value.” For an unbiased analysis of what their home would be worth both before and after an improvement project, a homeowner can work with a professional real estate appraiser – such as a Designated member of the Appraisal Institute – to conduct a feasibility study. During a feasibility study, the appraiser will analyze the homeowner’s property, weigh the cost of rehabilitation and provide an estimate of the property’s value before and after the improvement. Some green and energy-efficient renovations, such as adding Energy Star appliances and extra insulation, are likely to pay the homeowner back in lowered utility bills relatively quickly. Lower utility costs also are a draw for potential homebuyers. When appraising a home, the appraiser evaluates local supply and demand for green and energy-efficient properties and features. The Appraisal Institute offers a free, informative brochure titled “Remodeling and Rehabbing” at www.appraisalinstitute.org Join the Conversation: Go to www.facebook.com/ pages/LifeandhomesCharlotteSouth to leave your thoughts on this and other articles.

August has been dubbed National Curb Appeal Month and it’s dedicated to helping homeowners add value to their home’s exterior. According to real estate experts great curb appeal can add 15-20% of value to a home while poor curb appeal can devalue a home by 10%. Different curb appeal elements, such as wellmaintained shrubbery, decorative millwork and trim, colorful plants and a appealing front entryway can have a fast, positive impact on home buyers, according to Niki Decker of Fypon. “If you’re putting your house on the market, curb appeal is critical because it’s the first impression for potential buyers. That’s why exterior replacement projects can offer the biggest bang for your buck,” says Matt Minerd of Simonton Windows. “You can recoup almost 80 percent of your cost when replacing your entry doors or windows.” Something as simple as adding color to your front door, shutters and trim can play a major role in creating curb appeal. Other appeal elements you’ll want to consider include: * Making sure all windows are sparkling clean * Cleaning/resurfacing your walkways * Fixing any sagging fences or worn mailboxes * Adding outdoor lighting For more curb appeal tips and information on National Curb appeal month, visit blog.simonton.com (HIT)

South Charlotte

PROGRAM SCHEDULE LifeandHomes Round Table 6am-9am

Radio

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(wood and vinyl), siding replacement (vinyl) and basement remodel.

Stand Out Curb Appeal Tips

NETWORK

The Wealth Report 3pm-3:30pm The Dirt Doctor 4pm-5pm

Go to LifeandHomes.com and click on Radio Network to join in! 4

We br i n g p e o p l e a n d h o m e s t o g e t h e r .

Join the conversation with

Real Estate Experts

hosted by Tom Coyne Monday - Friday • 6am-9am OR Download the episodes! LifeandHomes.com click on the Radio tab

LifeandH mes

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™

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Susan Williams Fresh Beginnings Realty

15129 Stonegreen Ln. Huntersville, NC 28078

$509,900

Susan Williams

REALTOR®, North Carolina Broker/Owner, South Carolina License

freshbeginningsrealty@gmail.com • 704-948-7030

www.Life and Homes .com

L i f e and H o m e s

A Premier Real Estate Agent!

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Highly desirable & inviting family home on quiet cul-de-sac. Quality Construction with extra large custom eat-in kitchen, granite counter tops, plantation shutters throughout, wainscoating, decorator crown molding, security with 3 cameras and intercom. 2 gas ﬁreplaces. Upgraded master suite. Beautifully landscaped country garden with gazebo, brick pavers, fountain. Must see to appreciate!

September

9821 Adison Gray Lane | Charlotte, NC 28270

Avoid the Money Pit! Call AHI Residential & Commerical Inspections, Inc. The relationship with an inspector is one-to-one. Experience is essential, but so are less tangible qualities such as trust,

rapport—and the desire to do what is necessary to ensure that customers have the support they need to make informed decisions.

AHI Residential

Cotilion Ln, Charlotte, NC 28210

Commercial Inspections, Inc

David Johnson Owner

(866)356-2363 David@ahi-nc.net

www.ahi-nc.net

NC/SC licensed #2565/RBI 2584 • Licensed Certified Applicator CA029616 • SC Pest Control Operator License B0003129 • ASHI Certified Inspector, ACI # 248853 • NEHA Certified Radon Provider NRPP ID# 104477RT • ESA Certified Mold Inspector & Assessor • Residential/Commercial inspections

Charlotte

$1,140,000

14309 Ballantyne Country Club Drive Exquisite Ballantyne CC Estate located on Hole 3 with Beautiful Waterfront view. 4 bedrooms, 6.5 baths and Mud Room area. Gourmet Kitchen, spacious Master, 2 Rec Rooms, 3 Fireplaces. Porte-cochere, Covered Patio off Great Room, & Grilling Deck. Spectacular Backyard for Entertaining!! Pool House with Granite bar, Kitchen, Full bath, & TV rec area. Heated Pebble Tech pool & spa. Heavily landscaped yard. Looking for a Home for Enter-

South Charlotte

taining Family and Friends? This Is The One!!

Metro Realty

L i f e and H o m e s

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7300 Carmel Executive Park Dr Ste 200 , Charlotte, NC 28226

Nelson Grassi

Licensed Real Estate Broker

(704) 965-4483 ReMax.com

We br i n g p e o p l e a n d h o m e s t o g e t h e r .

“And Now For Something Completely Different”

LifeandHomes™ Launches the

LifeandHomes™ Radio Program So, let me tell you a little about me. I’ve been working in radio and tv for the last twenty years or so, and I’ve never seen anything quite like this. I feel safe saying you probably won’t find anything else like it on the dial. What I’m referring to is the LifeandHomes™ Magazine radio program, which launched on July 28th. LifeandHomes™ has programmed the LifeandHomes™ Radio Network on internet radio for a few years now, and it’s provided very useful and entertaining programming along the lines of investing, home maintenance and gardening.

So, what makes the LifeandHomes™ Radio Program different?

The team behind LifeandHomes™ Magazine is incredibly proud of this new product and we can’t wait to bring it to you at LifeandHomes.com!

Well, a few things actually. First, LifeandHomes™ will welcome veteran broadcaster Tom Coyne to host this new three hour program that will center around the one thing in your life that ties all others together…you’re home. Second, it will be broadcast on online at LifeandHomes. com. The show will feature a huge variety of guests talking about anything related to lifestyle, family, recreation, gardening, and of course, your home.

Al Williams, Production Manager LifeandHomes™ Radio Network

LifeandH mes

™

Online Radio Rea

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NANTZ LAW Proactive Counsel. Meaningful Results. Real Estate Closings

•

Commercial Real Estate

•

Leasing & Development

•

Business & Corporate Law

•

Business Litigation

•

Probate Wills And Estates

September

•

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Charleston

803-327-6200

843-608-0111

1236 Ebenezer Avenue, Suite 210 Rock Hill, South Carolina 29732

164 Market Street, Suite 180 Charleston, South Carolina 29401

www.cjnlaw.com

www.Life and Homes .com

L i f e and H o m e s

Rock Hill

LifeandHomes.com

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

Charlotte

$169,000

1911 Woodberry Road 3 Bedrooms / 2.0 Baths QSN #337320

Open Market Listing Service™ Charlotte

$1,140,000 14309 Ballantyne Country Club Dr 4 Bedrooms / 5.0 Baths

ALLEN TATE Jonathan Roberts

QSN #338216

McGary and Associates Nelson Grassi

LIC. REAL ESTATE AGENT

LIC. R. E. AGENT

704-589-8585

704-965-4483

Jonathan.Roberts@allentate.com

Charlotte

$340,000

10220 Brief Road 3 Bedrooms / 3.5 Baths

homewnelson@aol.com

Charlotte

$500,000 9016 Arrington Manor Place 4 Bedrooms / 4.0 Baths

QSN #346132

ALLEN TATE Liz Teifer

QSN #346624

McGary and Associates Nelson Grassi

REALTOR/BROKER

LIC. R. E. AGENT

704-572-0878

704-965-4483

Liz.Teifer@allentate.com

Charlotte

$300,000

10240 Ridgemore Dr

homewnelson@aol.com

Charlotte

$159,900

9032 St Croix Lane

3 Bedrooms / 2.0 Baths

2 Bedrooms / 2.0 Baths

QSN #337323

QSN #338215

Dane Warren Real Estate Louise Elizabeth Metcalfe

McGary and Associates Nelson Grassi

LIC. R. E. AGENT

704-602-0400

704-965-4483

lemetcalfe@gmail.com

Charlotte

$509,900

9821 Adison Gray Lane

homewnelson@aol.com

Charlotte

$489,900 17606 Meadow Bottom Rd

4 Bedrooms / 3.0 Baths

4 Bedrooms / 2.0 Baths

QSN #338417

QSN #337321

Fresh Beginnings Realty Susan Diane Williams

REMAX Todd Lynch

LIC. R. E. AGENT

LIC. R.E. BROKER

704-948-7030

704-451-0336

freshbeginningsrealty@gmail.com

Charlotte

$175,000

14309 San Paolo Lane

tlynch1@carolina.rr.com

Elmira

$109,000

459 Maple Ave

3 Bedrooms / 2.0 Baths

4 Bedrooms / 1.0 Baths

QSN #346535

QSN #346631

Golden Properties Realty Elaine P. Eschert

HATFIELD Real Estate Toni Granger

Broker In Charge

LIC. R.E. BROKER

704-651-9946

607-795-1443

elaine@goldenproperties.com

SellsThemAll@yahoo.com

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South Charlotte

THIS WEEKEND‘S OPEN HOUSES LifeandHomes.com/Charlotte-South - Open House Info updated every Friday @ 4:30 8

We br i n g p e o p l e a n d h o m e s t o g e t h e r .

Open Market Listing Service™ Horseheads

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

South Corning

$105,900

120 Thomas Rd

$157,900

11947 St Rte 352

3 Bedrooms / 1.0 Baths

5 Bedrooms / 3.0 Baths

QSN #346629

QSN #346630

HATFIELD Real Estate Toni Granger

LIC. R.E. BROKER

607-795-1443

SellsThemAll@yahoo.com

Matthews

SellsThemAll@yahoo.com

Troutman

$349,900

1000 Woodkirk Ln

$449,900

191 Streamwood Rd

5 Bedrooms / 3.0 Baths

4 Bedrooms / 4.0 Baths

QSN #337319

QSN #337322

ALLEN TATE Jonathan Roberts

REMAX Todd Lynch

LIC. REAL ESTATE AGENT

LIC. R.E. BROKER

704-589-8585

704-451-0336

Jonathan.Roberts@allentate.com

Matthews

tlynch1@carolina.rr.com

Waxhaw

$429,000

$694,000 8712 Kentucky Derby Drive

1006 Elsmore Drive 4 Bedrooms / 3.5 Baths

4 Bedrooms / 3.5 Baths

QSN #346534

QSN #343005

Golden Properties Realty Elaine P. Eschert

Bon Maison Properties Inc Mariana Smith

Broker In Charge

LIC. REAL ESTATE AGENT

704-651-9946

704-219-6283

elaine@goldenproperties.com

Pine City

mariana_smith@hotmail.com

Charlotte

$164,500

876 Hittown Rd

$159,900

9032 St Croix Lane

5 Bedrooms / 2.0 Baths

2 Bedrooms / 2.0 Baths

QSN #346628

QSN #338215

HATFIELD Real Estate Toni Granger

McGary and Associates Nelson Grassi

LIC. R.E. BROKER

LIC. R. E. AGENT

607-795-1443

704-965-4483

SellsThemAll@yahoo.com

Pine City

homewnelson@aol.com

Charlotte

$117,900

1001 Furman

$509,900

9821 Adison Gray Lane

3 Bedrooms / 1.0 Baths

4 Bedrooms / 3.0 Baths

QSN #346632

QSN #338417

HATFIELD Real Estate Toni Granger

Fresh Beginnings Realty Susan Diane Williams

LIC. R.E. BROKER

LIC. R. E. AGENT

607-795-1443

704-948-7030

SellsThemAll@yahoo.com

freshbeginningsrealty@gmail.com

September

House Hunting? Relax. ™

LifeandHomes™ Property Search www.LifeandHomes.com

- Tell us what type of local property you’re looking for: location, price range, # bed/bath, etc. - You’ll receive an email when a property matching your search criteria comes on the market and updates. - Automatically connect with over 125 local real estate participants. TV & Video

Magazine

Online

Mobile

Social

Call Khale at 844-543-3263 or email khale@lifeandhomes.com to participate.

www.Life and Homes .com

L i f e and H o m e s

Homes

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We’ll Deliver Your Dream Home. Life and

HATFIELD Real Estate

Thinking about selling?

607-795-1443

HATFIELD Real Estate

Always an agent on call! Call Today!

Stop in or call for more details!

www.HATFIELDRE.com 452 Milton St, Elmira NY 14904

Elmira

List your home with and we will charge

$500 less at closing!

$39,900 Elmira 415 Partridge Street Wow, talk about aﬀordable! Makes a great rental or a great starter home! Fenced in back yard, freshly painted interior and exterior, new roof on garage, too! You’ll enjoy the floor plan of this home! It’s great for entertaining! The location is convenient for bus routes, schools and parks, shopping, employment, and dining! Get it while you can! At this price it won’t last long!

Elmira

$59,900 Elmira 89 Cleveland Ave Here is a home that oﬀers a new owner a ton of creative options! A large home with good sized rooms, and versatility! There are more rooms than what are mentioned, but you as the new owner can decide how to use them and what to call them! Priced well below the assessment to get it sold fast! You’ll love the deep lot, the quiet location, and the aﬀordable price!

Lowman

$49,900 Elmira

South Charlotte

858 Roberts Hollow Rd, Lot 72 This is a fabulous Double-Wide home located in a quiet park, in a rural setting! Close to I86 for easy commuting to Waverly, Horseheads, Ithaca, and Elmira! Absolutely the most beautiful Double Wide I’ve personally ever seen! Come see it for yourself!

Elmira

407 Fairway Ave Beautiful 2-3 bedroom, VERY well maintained home. New vinyl siding and windows (all but 2),new family room addition and deck in 2013, new water heater and furnace installed as well. Electric was updated to 200 amps at the same time. Make an appointment to see this gorgeous home and you will fall in love! All the hard work and attention to details has been done!!!

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$78,900 Wellsburg

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

$74,900 532 Decker Ave Very large home with a wonderful floor plan, large rooms, nice quiet location and good sized lot! Great buy! Nice first time Buyer home, or fantastic Rental! The Seller is currently using it as rental for a family member who is extremely cooperative! Great storage in the basement too!

$64,900 1723 W Church WOW! Priced way below the assessment to move it fast! Great investment property or a nice starter home! Why rent when you could own this fine Cape Cod for much less than rent would be?! You’ll love the location, and all of the activities that the community has going on all year! This is a must see home!

$64,900 1064 College SELLING AS-IS WITH NO WARRANTIES IMPLIED OR EXPRESSED! Priced below assessment for a quick sale! Newer roof, boiler, copper ceiling in dining room, knotty pine kitchen, and more is what you will find in this huge brick home! Many possibilities with the floor plan, great for oﬃces (check with zoning), great for the large family that needs space for everyone and everything!

$20,000 926 Hoffman Hollow Rd (Lot 215) Here is a 3 bed/2 full bath, handicap accessible home ready to fit your needs! Master bath & bedroom are all set up to make your life with challenges a whole lot less challenging! Easy access from Waverly, Elmira, Ithaca too! Only minutes to I86, close to a Park & Ride for carpooling, CTRANS Tioga Run is here too!. You’ll enjoy the ride home through every season with the picturesque views of the hills, fields, and the Chemung River!

free market

analysis

SOLD SOLD

Residential Commercial Buyers Sellers

September

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Karl.schultz@rinehartrealty

Karl.schultz www.Life and Homes .com

L i f e and H o m e s

315-868-9471

requires seasoned professionals with proven track records of su

AC E P

HTREE

SOUTHERN COMMERCIAL LLC

Commercial Lending Source BANK QUALITY LOANS - COMPETE WITH THE BANKS! Bank Quality! As low at 4.65% as of this week!

Quality credit deserves quality rates. We can provide the needed capital to build up a borrower’s commercial property portfolio and help them attain quality credit. We’re here to help our borrower’s reach the top tier of loan programs so they can benefit from our bank quality competitive rates and terms. We offer competitive rates and terms for loans which meet bank quality guidelines. Loan Amounts: $500,000 to $5,000,000 Property Types: Multifamily 5+ units, Mobile Home Parks, Mixed Use, Office, Retail, Lt Industrial, and Self-Storage Lending Areas: Nationwide top 120 MSAs except AK, HI, ND, SD Amortization: Up to 30 years *Index: 6-Mo. LIBOR * Margin: MF 3.00% – 4.00% / Other properties 4.00-5.00% Min. Credit Score: Generally 700 (Global cash flow analysis req’d) Rate Caps: 2.00%/1.00%/5.00% lifetime * Personal Recourse: Required * Floor: Initial Rate

844-543-3263 OR EMAIL KHALE@LIFEANDHOMES.COM

Waterfront Building Lots

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 lot has been cleared and is ready for you to build to your specs. Zoned recreational, the lot features a total of 9.5 acres on 475’ of South Charlotte

scenic lakefront and can be sub-divided into 5 lots or more, if desired. Reasonably priced and just waiting for your touch.

L i f e and H o m e s

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

South Fork Enterprises, LLC

Frank - 315-271-4490 12

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ask the expert Looking for Answers to Your Home Related Questions? Search no further! Consider Your Local Business Expert! Cabinets PINETREE LUMBER & WOODWORKING Custom woodworking, furniture, molding, 315-404-6398 member since 10/13

custom cabinets

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MIKE’S FLOOR STORE Carpet • Hardwood • Ceramic tile 315-733-3697 member since 09/12

• Laminate • Linoleum • Vinyl tile mikesﬂoorstore@gmail.com

AMERIGAS 315-831-2121 member since 10/13 mike sanFilippo Owner

Energy GREAT BROOK SOLAR 607-847-6366 Installing custom designed & competitively priced member since 10/12

renewable energy systems since 1978 throughout Central NY: solar electric, solar thermal space heating & domestic hot water, & geothermal ground source heating and cooling. Free site evaluations & estimates. www. greatbrooksolar.com

Home Inspection

ENJEMS FLOORING Wood, Ceramic, Laminate & Vinyl • No-Wax 315-733-0421 member since 06/14

AmeriGas is the nation’s largest propane company, serving over 2 million residential, commercial, industrial, agricultural and motor fuel propane customers from over 1200 locations in all 50 states.

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AHI RESIDENTIAL & COMMERCIAL INSPECTION, INC ensuring that customers have the support 866-356-2363 member since 09/14

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Call Khale • 844-543-3263 September

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PAY FOR

POWER NOT

Gary Ziele

Field Energy Consultant 6 Vatrano Road • Albany, NY 12205

Phone 518.727.2012

Email gziele@solarcity.com

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South Charlotte

© 2014 SolarCity Corporation. All rights reserved. A solar power system is customized for your home, so pricing and savings vary based on location, system size, government rebates and local utility rates. Savings on your total electricity costs is not guaranteed. Financing terms vary by location and are not available in all areas. $0 due upon contract signing. No security deposit required. A 3 kW system starts at $25ñ$100 per month with an annual increase of 02.9% each year for 20 years, on approved credit. SolarCity Corporation will repair or replace broken warranted components. AZ ROC 243771/ROC 245450/ROC277498, CA LIC#888104, CO EC8041, CT HIC 0632778/ ELC 0125305, DC #410514000080/ECC902585, DE 2011120386/T1-6032, HI CT-29770, MA HIC 168572/EL-1136MR, MD MHIC 128948/11805, NV NV20121135172/ EC 0078646, NJ NJHIC#13VH06160600/34EB01732700, OR CB180498/C562, PA HICPA077343, TX TECL27006, WA SOLARC*91901/SOLARC*905P7.

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You simply pay for your solar power, just like your utility bill, only lower. Little to no upfront costs. We take care of everything: • Guaranteed system performance • Service and maintenance at no extra cost • Dedicated customer care