Central NY
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January
2011
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“Experts” Predictions
Life and
Homes
What will the housing market look like in 2011? A (non-exhaustive) review of consumer surveys seems to indicate consumers have a mixed outlook for the coming year.
Oneida County NY, Edition
Published By LISI MERCHANT SOLUTIONS, INC.
A Fannie Mae nationwide survey released in the final quarter of 2010 revealed most Americans believe the housing market has reached bottom, but they are more cautious about owning a home. Nearly half of respondents, (47%), believe home prices will hold steady in 2011, and a respectable seventy percent think it’s a good time to buy a house. Bankrate’s commissioned survey revealed nearly nine out of 10 survey respondents believe that a home is a good investment for the future, yet a full third of Fannie Mae respondents indicated they would be more likely to rent their next home if they were to make a move, even though 69% of renters think it makes more sense to buy a home.
Publication Franchisee, RMC David P. L isi Corporate Editor Kim L isi Kim@dslisi.com
David P. Lisi, RMC
Real Estate Marketing Consultant 315-865-5845 • David@dslisi.com
Doug Duncan, Vice President and Chief Economist, Fannie Mae explains it this way. “Although most Americans believe that home prices have bottomed, they are adopting a much more cautious approach toward buying. Homeowners and renters alike continue to be wary of taking on risk, and they are less confident in the long-term outlook for housing.” National Association of REALTORS® President, Ron Phipps, has his own spin. “The decision to own a home is a very personal one. But over the long term, owning a home is one of the best ways to build long-term wealth, in addition to providing numerous social benefits that include reduced crime rates, improved childhood education, and increased stability. After all, a fixed-rate mortgage might last 15 to 30 years; renting is forever.” So will 2011 be a good year to buy, sell, rent? I can’t predict what’s ahead but I’m confident if anyone can make it through, Central New Yorker’s can. We’re blessed to have a qualified network of real estate participants and community members dedicated to preserving local quality of life. And I have to agree with Mr. Phipps when he says, “We believe that anyone who is able and willing to assume the responsibilities of owning a home should have the opportunity to pursue that dream.”
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February Issue January 21, 2011
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Mortgage Options
for Military
When military heroes return home from the Middle East, they may find a completely changed housing landscape - which could be good news for them. In just the last two years, housing prices have plummeted, making homes more affordable than at any time in the last five decades. Now, mortgage rates have seen historic levels, bringing the American dream of home ownership to many. Making matters better for returning armed service members is the benefit of the Department of Veterans Affairs (VA) loan, a special mortgage program offered exclusively to active and retired military service members as well as to the widows of those who gave their lives in service. “VA loans are a very underused benefit of being in the military,” said Jay Farner, president of Quicken Loans, the nation’s largest online lender. “With housing prices falling so significantly over the last two years, there is a great opportunity to purchase a home at incredibly affordable prices.” VA loans are similar to a conventional mortgage but have some very important flexibility. The program, which can be used to purchase as well as refinance a home, requires no down payment, offers relaxed credit score guidelines and allows loan fees to be rolled into the mortgage. In addition, VA loans do not require mortgage insurance, a potentially costly expense regularly paid by homeowners with less than 20 percent equity in their homes.
Energy Help for Elders
Information that many older adults may greet warmly is just what types of energy assistance might be available to them. To help, the Eldercare Locator offers resources and tips: • To find out about energy assistance programs, contact the Eldercare Locator at (800) 677-1116 or visit www.eldercare.gov and get connected with your local Area Agency on Aging. • Take advantage of special heating assistance funds and no-cutoff eligibility programs from utility providers. • Make sure your home is energy efficient. Information is available from the Environmental Protection Agency’s Energy Star program at www.energystar.gov.
kidney problems or high blood pressure in adults. Dwellings built before the Safe Drinking Water Act amendments of 1986 are especially vulnerable. Lead can sometimes “leach” from pipes in the water service line entering a building or from welds used on pipes in the home. However, there are several things you can do to decrease or eliminate the threat of lead in your drinking water: Tips to Reduce Your Exposure to Lead • Do not consume water that has been sitting in your home’s plumbing system for more than six hours. • Run cold water for 15 to 30 seconds before drinking it. • Use cold water for drinking or cooking. • Never cook or mix infant formula using hot water from the tap. • Use a faucet or filters that can remove lead from drinking water. • Use a professionally installed water filter system on the pipes entering your home as well as under the faucets in your kitchen and bathrooms.
• Get a free, helpful brochure, “Winter Warmth and Safety: Home Energy Tips for Older Adults,” by calling (800) 677-1116.
• Put your filtered water in a safe container— glass or BPA-free plastic.
The Eldercare Locator is a public service of the U.S. Administration on Aging and is administered by the National Association of Area Agencies on Aging. (NAPSI)
• Invest in lead-free, energy-saving plumbing products such as balancing valves and the brass ITT Bell & Gossett ecocirc® water circulating pump that can save a family of four up to 12,000 gallons of water a year.
Drinking Water Get The Lead Out
of LifeandHomes Don’t miss that Special Home you’ve been looking for. Have a PDF sent right to your email. visit www.LifeandHomes.com Click on the magazine www.Life and Homes .com
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L i f e and H o m e s
Extended exposure to lead in drinking water can cause adverse health effects ranging from delayed physical and mental development in children to
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While many people are aware of the dangers of lead in paints and toys, the Environmental Protection Agency (EPA) says potentially toxic lead is most commonly found in a home’s plumbing and water system.
To learn more about how to get the lead out of your drinking water, check out EPA’s Safe Drinking Water Hotline at (800) 426-4791 and website www.epa.gov/safewater/lead/index.html. Explore lead-free and energy-efficient products at www.bellgossett.com. (NAPSI) January
The program has been a moderate success, with the Veterans Affairs office guaranteeing more than 14 million VA loans since the end of World War II. However, this represents only a fraction of those eligible to get the benefit. “There are very few loan options available as flexible as the VA loan. Every veteran should at least investigate before buying or refinancing a home,” Farner added. Several lenders, including Quicken Loans, offer VA loans, and the Veterans Affairs office also offers information on the loan program. (NAPSI)
newsShorts
Be Aware Of
Bed Bugs:
With bed bug infestations on the rise, you may want to learn more about keeping your home free of these invasive insects. Bob Hickman, a pest control professional with BASF, works with key researchers, pest management professionals and the public to better understand and improve bed bug control. Here, he offers some insight. Bed bugs love dark, secluded spaces with a lot of nooks and crannies to hide in. They also need access to humans for their meals. So they do best in places like hotels, hostels, dormitories, camps, apartment buildings and even hospitals, movie theaters and air and rail cabins. Travel creates risk mainly because you are moving from place to place frequently and using spaces that have been visited by many different people from many different places.
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Central New York
How can you tell if there are bed bugs in your room? Most hotels do everything they can to prevent infestation. Taking a few simple steps can lower your risk. When you get to a hotel, check your room for any signs of bed bugs. They could be lurking on the bed itself, in headboards, wall hangings, draperies, furniture or carpets. Check seams and edges carefully for any live bugs, skeletons, eggs or tiny blood stains.
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newsShorts
when you return. Bed bugs do not tolerate heat, and laundering items will reduce the risk that any stowaways get into your home. For more information, visit www.bedbuginstitute.com. (NAPSI)
Taking A Trip?
Secure Your Home First Four to five minutes-that could be the difference between whether or not your return home from your trip is ruined by a burglar. "People don't realize that going on vacation can be an invitation for would-be thieves," says Mike Convery, vice president and chief claim officer at MetLife Auto & Home®. "Or that the average burglary will result in a loss of more than $2,000." In fact, the Insurance Information Institute indicates nine out of 10 break-ins could have been prevented if homeowners had burglar-proofed their properties. The simple act of locking your doors before leaving home can go a long way toward deterring a burglar. According to the U.S. Department of Justice, more than 50 percent of burglars use an unlocked door or window to gain access to a home. How else can you avoid returning to a home that's been ransacked? Read on for some "Do's" and "Don'ts" from the experts:
It’s a good idea to use the metal luggage rack the hotel provides. Bed bugs cannot easily climb metal. If you have more items with you than fit on the rack, keep them in the bathtub or on the bathroom counter, as smoother surfaces also inhibit bed bug climbing. Avoid putting your clothing, luggage or bags on beds, as this is the most likely place bed bugs may hide. If you are very concerned, bring a plastic trash bag and put your whole suitcase and other luggage in it overnight.
DON'T advertise you're away. Arrange to have the lawn mowed, put lights and electronics on variable timers, and - to really complete the illusion - ask a neighbor to park a car in your driveway.
When you get home, leave your luggage in the garage or another place outside your home, so any bugs hidden in your luggage will not get into your house. Wash and dry every item of clothing in hot water and dry them on high heat immediately
DON'T hesitate to rearrange things. Those expensive belongings, including TVs and stereo systems, might as well have a sign on them saying "Take Me" if they're left in plain view from windows and doors.
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 .
DO make would-be thieves feel both exposed and contained. Choose picket or chain-link fencing instead of solid fencing to create a physical barrier that's less easy to hide behind. Keep hedges clipped to around waist level.
DO get an assist from technology. A solar-powered, motion-sensor light - which doesn't require an electrician to install - illuminates your property so that lurking intruders are easier for neighbors and passing patrol cars to spot. DON'T hide keys in "secret places" outside your home. Most burglars know where to look. Better to leave a duplicate with someone you trust. DO invest in a burglar alarm. The most effective ones notify an outside service of trouble, but any kind is a good deterrent. Just make sure there's a friend or family member available to turn it off if it's set off in your absence. One last thing: "In addition to those preventive measures, all homeowners should complete a personal property inventory," says Convery. "That way, if you are burglarized, you'll already have a detailed list of your valuables for the authorities, which can be a difficult task after the fact." You can get a free Personal Property Inventory brochure from MetLife Auto & Home by calling (800) 608-0190. (NAPSI)
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Constableville
$598,000 Russia
$269,900 Columbia
$259,900
3091 Schibley Road - 260 acres of seclusion! Meticulously expanded 3,600 sq/ft farm house & barn, great rooms, incredible kitchen, ponds, trails, dog kennel & more.
5107 Military Road - Astonishing 2,516 sq/ ft colonial offers surprises throughout, lavish gardens, in ground pool, post card setting!
373 Beebe Road - Fantastic 4 BR colonial and horse or alpaca farm on 18 acres, spacious living room, 6 stall horse barn, tack room, paddocks, landscaping & gardens.
Sauquoit
$250,000 Barneveld
$249,900 Bridgewater
$249,900 Bridgewater
$199,900 Russia
$189,000 Edmeston
$149,900
West Winfield
$139,900 Waterville
$134,900 Russia
$112,500 Little Falls
$102,900 Marcy
$100,000 Norway
$89,900
2446 Timian Road - Approx 35 Acres w/ incredible hillside views! 2,152 sq/ft farmhouse, riding trails, horse paddocks, outbuildings, 3 barns, additional acreage available.
381 Fairview Circle - Enjoy morning tea in exquisite 4 season sunroom, antique wainscoting, private bedroom balconies, quality kitchen, Spanish tile & beautiful hardwoods.
7357 Trenton Road - 2 homes for the price of one! Stunning updated Victorian offers a gorgeous kitchen, additional 2 family home, just off Putnam Rd.
7658 Route 20 - Newer built mint ranch! Oak kitchen, efficient heating, garage, work shop, convenient 1 acre rural setting!
2449 Route 8 - Horse & snowmobile riders’ alert! 56 gorgeous acres & hilltop views, 10 stall horse barn, fenced riding areas, 4,200 sq/ft newly constructed home.
5100 Military Road - Fantastic village setting! 1,820 Sq/Ft 3 BR ranch in move in condition, large open kitchen, finished lower level, studio & work shop, 16 X 32 pool.
540 Doe Rd - Custom 2,900 sq/ft log home, large kitchen w/ center island, upgraded appliances, dramatic vaulted LR, cozy loft, 2 fireplaces, media room & more!
103 Cramer Rd -Warm & cozy nights await in this old world charm 4 BR country homestead. Original woodwork, hardwood floors elegant DR, views, separate FR & LR, oak kitchen & more!
5089 Military Road - Classic 3 BR federal style home set on park like 3.8 acres! Open kitchen, loft, sunroom, cherry hardwoods, original features, barn/garage, work shop.
5494 Flanagan Road - A great buy & huge upside potential with TLC on this 3 BR 1,863 sq/ft ranch! Whitesboro schools. Priced to sell!
51 Burdick Ave - Stunning kitchen w/ upgraded appliances, Mint 3 BR ranch on 3 + acres, meticulously finished lower level offers 2 cozy family rooms & more!
1440 Newport Gray Road - Spectacular view on 30 acres!“As Is”ranch, large 2 level 275’ dairy barn, great property to enjoy all seasons & recreation activities, near Adirondacks.
Commercial Properties
New Hartford
$84,900 Clark Mills
3532 Oneida Street - Looking for key updates?…stop here! gorgeous kitchen, sun room, new floors, formal dining, private yard, pride of ownership, stunning gardens.
$82,500 Herkimer
76 Millstream Court - Stunning new 1,604 sq/ft ranch! High end upgrades, central air, nice setting, $354 lot rent, mint, Clinton schools.
25 Acre Premier Lot 2 Family 7 City Lots 3 Family 6 Acre Parcels 19 Acre Lot 3 Bedroom Village Home 6.7 Acres
$450,000
Building offers many commercial uses, open interior to suit needs, 3,200 sq/ ft main level & office, large lot, room to expand, plenty of parking.
Eagle Bay
$350,000 Rome
Residential & commercial property, 4 BR home, Restaurant & Bar, 4 room motel, guest cottages, bar, dining & game room, excellent income potential.
$299,900 Rome
Outstanding location offers high traffic & visibility for this 2 pump gas station, room for expansion, well known busy tri corner, solid investment.
$54,900
3,600 sq/ft machine shop shows commercial and residential potential, 2nd floor apartment, close to Erie Blvd & Rt. 365, overhead doors, convenient.
www.RichardParentHomes.com • Office: 315-768-1680 x 203
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Timian Road, Sauquoit Clementian Street, East Utica South Street, East Utica South Street, East Utica Bray Road, Sauquoit Fiery Hill Road, Little Falls Monroe Street, Little Falls Furman Mills Rd, Brookfield
$649,900 Thendara
Approx. 40 acre residential 49 home subdivision of partially wooded lots, existing road & homes, home sites offer public water & Rome tax incentives.
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• $75,000 • $74,000 • $65,000 • $50,000 • $38,000 • $34,900 • $27,000 • $19,900
Rome
January
Other Investment/Land Opportunities
$79,900
223 Dewey Ave - Tastefully updated 2 story, Rome $699,000 gorgeous new maple kitchen & stunning bath, formal dining, new windows, updated Prime commercial property located adjacent to Lowe’s Home Improvement, electric & lighting, convenient area. high traffic area, corner location with strong visibility, many possibilities.
Don’t Let High Commissions Take a Bite Out of Your Home’s Equity BRANTINGHAM LAKE
5219 Lily Pond Rd. - Year-round waterfront, 4 bdrms., 2 baths, 2,000 sq. ft., hardwoods, deck. $339,900
CANASTOTA
HERKIMER
901 Westwood Dr. - 4 bdrms., 2 1/2 baths, 2,900+ sq. ft., open floor plan, newer roof, windows and siding. $194,900 120 Church St. - 2 bdrms., 1,400+ sq. ft. $42,900 Cook Rd - JUST lISTeD - land and lakes Development! 5 acres. $29,900
6952 Forbes Rd. - 3 bdrm., 4-years-young Contemporary, 2 1/2 baths, 2,200+ sq. ft., 1+ acre, fireplace, hardwoods. $315,000 HINCKLEY 7345 Willow Acres Rd - 4 bdrms, 2 baths, LAKE 2300 sq. ft, many updates. $147,900 224 MacArthur Rd. - Waterfront! CHADWICKS 4 bdrms., 2 baths, 3281 Oneida St. - 3 bdrms., 1 1/2 baths, 2,000 sq. ft., open floor plan, fireplace, 1,500+ sq. ft., hardwoods, Sauquoit Schools. $129,900 19 acres. $269,900
CLINTON
Burmaster Rd. - 63 acres. $235,000 1 Elliott Pl. - 4 bdrms., updated 2 1/2 baths, 1,700+ sq. ft., fireplace, newer windows. $194,900 Cleary Rd. - 57+ acres. $185,000 315 Stafford Circle N. - 3 bdrm., 2-year-old Ranch, 2 baths, central air, deck. $174,900
DEERFIELD
7 Beaton Dr - JUST lISTeD - 3 bdrms, 2 baths, 2000 sq. ft. fireplace, updated baths, windows and roof. $164,900
EAST UTICA
711 James St. - 3 bdrms., 2 baths, newer windows and furnace. $89,900 749 Rutger St. - Two units! Great income potential. $67,000 123 Thomas St. - PRICe ReDUCeD - Two family. Separate utilities. $39,900 518-520 Nichols St. - Three Unit! Updated baths. $49,900 1618 Dudley Ave. - 3 bdrm. flats, great income. $34,900 624 Blandina St - JUST lISTeD - Two Unit! Separate Utilities. $64,000 904 Third Ave - JUST lISTeD - Two unit! newer furnace and windows. $41,900
98 New Hartford St. - 3 bdrm. ranch, 2 baths, 1,800 sq. ft., fireplace, new kitchen. $154,900 33 Paris Rd. - Two family! Great income potential. $133,500 10 Bohling Rd. -PRICe ReDUCeD - Village ranch! 3 bdrms., 2 baths, family room,
Central New York
NEWPORT
863 Honey Hill Rd. - 3 bdrm. log home, 1,200+ sq. ft., fireplace, 1+ acre. $149,900 3116 School St. - 4 bdrms., 2 baths, 2,500+ sq. ft., deck, newer windows. $79,900
10 Chestnut St. - 3 bdrms., 2 baths, 1,700+ sq. ft., open floor plan, deck, new roof. $134,900 3-5 Wetmore St. - 3 unit. Many updates. $129,900
ILION
53 W. River St. - 3 bdrms., updated kitchen, hardwoods, deck. $75,000
NORTH UTICA
LEE
8609 Turin Rd. - 3 bdrm. ranch. $84,900
57 Woodside Ave. - 4 bdrms., 1 full, 2 half baths, formal dining room, corner lot. $94,900
617 Cosby Rd. - 3 bdrm. ranch, 2 baths, hardwoods, fireplace. $119,900 417 Elmhurst Rd. PRICe ReDUCeD - 3 bdrm. Ranch, new roof, windows and siding. $84,900 159 Wilbur St. - 3 bdrms., hardwoods, cherry kitchen, corner lot. $72,900
MARCY
ORISKANY
LITTLE FALLS
REMSEN
6017 Military Rd. - 4 bdrms., 2 baths, 2,200 sq. ft., hardwoods, “3” car garage, Poland School District. $244,900 10579 Steuben St. - 4 bdrms., 1 1/2 baths, new kitchen and baths, hardwoods, newer windows, deck. $89,900
NEW HARTFORD
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 .
SAUQUOIT
9235 Paris Hill Rd. - 3 bdrm., 2 bath, 5-yearsyoung Contemporary, 3,300+ sq. ft., 14+ acres. $379,900 3088 Oneida St. - 3 bdrms., 1,900+ sq. ft., 1 acre, updated kitchen, new roof and windows. $164,900 8330 Pleasant View Dr. - 3 bdrm. Ranch, new kitchen and bath, double lot. $112,000 2681 Mohawk St - JUST lISTeD 4 bdrms, 2 ½ baths, 2000 sq. ft, hardwoods, master suite, deck. $189,900 9587 Holman City Rd - JUST lISTeD 2bdrms, 1100+ sq. ft, deck. $69,900
SCHUYLER
Johnson Road - PRICe ReDUCeD - Private 9+ acres. Frankfort-Schuyler schools. $16,000 41 Louis Rd - JUST lISTeD land and lakes Development! 11 Prime acres. $44,900
SOUTH UTICA
2100 Genesee St. - Commercial opportunity. 2,700 sq. ft., renovated 1st floor, new windows. $179,900 2 Arlington Terrace - PRICe ReDUCeD - 3 bdrm. Ranch, 2 baths, hardwoods, finished basement. $109,900 827 Rose Pl. - 2 family! Separate utilities. $79,900
SYLVAN BEACH
9096 Edward Ohara Ave. - 4 bdrms., 1,500 sq. ft., deck, lake rights. $87,000
VERONA
5600 E. Main St. - Prime commercial Rt. 69/Thomas Rd. - Subdi- acreage! 2+ acres. Frontage on Rt. 365. vided 12+ acres. $95,000 $159,000
5478 Woodlawn Pl. - 3 bdrms., central air, hardwoods, updated kitchen, newer windows and furnace. $89,900
112 Danberry Circle - 3 bdrms., 3 1/2 baths, fire8158 River Rd. - 4 bdrms., 2 1/2 baths, places, cathedral ceilings, “3” 2,300+ sq. ft., Oriskany Schools. $124,900 car garage. $449,900 7733 Starlane Dr. N - 4 bdrms, 1600 sq. Jewel Ridge Estates - neW ft, new roof, furnace and deck. $112,900 COnSTRUCTIOn - new hartford’s newest development offering sweeping views, easy FORESTPORT access, and top-notch construction! 4 bed11821 Woodhull Rd. - Fully established room home plans starting at $279,900 7 Christopher Circle - 3 bdrms., 2 1/2 commercial property. 5,000+ sq. ft., 5+ baths, 2,100+ sq. ft., fireplace, hardwoods, acres. Retail store, plenty of parking, updated kitchen and baths. $199,900 lodging and a leased barn. $319,000 38 Janet Terrace - 4 bdrms., 3 baths, 2,700 sq. ft., flexible floor plan, newer FRANKFORT 107 Sunflower Circle - 3 bdrm., 7-year-old furnace and windows. $199,000 Colonial, 2 1/2 baths, 2,000 sq. ft., fireplace. 2 Twyndom Terrace - PRICe ReDUCeD -5 $239,900 bdrm. ranch, 2 1/2 baths, 2,100+ sq. ft., fireplace, newer roof and windows. $149,900
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111 Park Ave - JUST lISTeD - 4 bdrms, 2 baths, 1800+ sq. ft, updated kitchen, new windows, deck. $139,900
NEW YORK MILLS
Floyd
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Oriskany
hardwoods, fenced yard. $109,900 Bogner Brae - 17 prime acres. Ideal for subdivision. $109,900 128 Clinton Rd. - PRICe ReDUCeD -3 bdrm. Ranch, 1 1/2 baths, hardwoods, deck, deep lot. $99,900 1 Larchmont Dr. - 3 bdrm. ranch. Family room, newer furnace. $94,900 1905 Tilden Ave -3 bdrm, Sherman hills Ranch, 2 baths, fireplace, hardwoods. $149,900 6 Wilbur Rd - JUST lISTeD - 2 bdrms, open floor plan, deck. $79,900 Chestnut Dr - JUST lISTeD Chestnut hills Building lot. $32,400
ROME
7988 Northwood Dr. - 4 bdrms., 3 baths, 2,000+ sq. ft., fireplace, deck, newer roof. $134,900 6343 Pillmore Dr. - 3 bdrm. ranch, 1,200 sq. ft., hardwoods. $84,900 429 E. Locust St. - 3 bdrm. ranch, updated furnace and roof. $74,900 130 Victory Dr. - 3 BRs, 1,100+ sq. ft., hardwoods, newer furnace. $59,900 213 E. Whitesboro St. - 5 bdrms., 1 1/2 baths, 1st floor laundry, newer roof and furnace. $46,900 1017 Clinton St - JUST lISTeD 2 bdrm, Ranch, oak kitchen. $69,900
WEST TURIN
3091 Schibley Rd. - 260 acres! Remodeled 5 bdrm., 4 baths, 3,600 sq. ft., vaulted ceilings, rolling meadows and ponds, incredible views. $550,000
WEST UTICA
1223 Butternut St. - PRICe ReDUCeD - 3 bdrms., formal dining, hardwoods, covered porch. $79,000
WHITESBORO
11 Hollywood Dr. - 4 bdrm. Ranch, 2 1/2 baths, 1,500 sq. ft., hardwoods. $154,000 1 Collins Ave. - 3 bdrms., 2,200+ sq. ft., hardwoods, updated kitchen, new furnace with 1 bdrm. in-law apt. $139,900
YORKVILLE
6 Trinity Ave. - PRICe ReDUCeD! 2 bdrms., hardwoods, formal dining. $64,900
NOW UNDER CONSTRUCTION 0 ,00 9 8 $2
0 ,00 9 9 $2
5997 Morris Ave, Marcy
0 ,00 9 8 $2
6001 Morris Ave, Marcy
Move into one of these homes this spring! Enjoy quality construction and a convenient location. Each home offers various amenities such as granite countertops, hardwood flooring, high ceilings, fireplace, stainless
6007 Morris Ave, Marcy
steel appliances, two-story entry, stone accent and much more. These fabulous prices are for the complete package; including land, house, and upgrades. Contact Gaetano today for floor plans, photos and more details.
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L i f e and H o m e s
#1 Coldwell Banker in New York State R DE
ION CT RU ST N CO
R DE
UN
Marcy
$299,000
Utica
$247,000
Great Investment Opportunity! This 3300 square foot property has a cafe, and a lucrative sports bar. Upstairs: 3 BR 1 BA apt. with a LR & DR that is tastefully done.
Gloria Rocci
Westmoreland
Ext. 217
$209,900
This 4 bedroom, 2.5 bath is the perfect family home. New construction, seeing is believing!! Call Laura Minard. Laura Minard
Featured Home
Ext. 205
Marcy
$289,000
St. Lawrence River
$195,000
Waterfront condo...penthouse level. Newly constructed, 2 BR, central air, fireplace, front and rear balconies. Price includes a boat slip & carport. Debbie Roberts Ext. 239
Clinton
ION CT RU ST N CO
UN
Excellent floorplan, spacious home with hardwood floors, living room, family room, 4 bedrooms. Select your colors to customize this home! Gaetano Belmonte Ext. 202
$159,999
Historic village home within walking distance of Village Green, shopping and schools. Flexible floorplan, large principal rooms. Gaetano Belmonte Ext. 202
Deerfield 5802 Graham
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Two-story entry, stunning greatroom with fireplace, deluxe master suite, spacious eat-in kitchen . Select your cabinets and colors now! Gaetano Belmonte Ext. 202
Central New York
ION CT RU ST N CO
Marcy
$289,000
Fabulous 4 bedroom, 2.5 bath home. 2 story foyer, fireplace, deluxe kitchen. Master suite with 2 walk-in closets. Gaetano Belmonte
Clinton
Ext. 202
$189,900
Spacious ranch with hardwood floors, cathedral ceilings, built-in bookcases, gas fireplace in family room, new carpets. Gaetano Belmonte
Yorkville
Ext. 202
$150,000
Commercial Building located in high traffic & visibility area. Onsite parking and 2-stall detached gar. This building can be an office or retail. www.1211champlinave.com
Lisa Filletti
Ext. 206
Marcy
$279,900
Buckland Estates - 3 BR/2BA ranch at $279,900 and 4 BR/2.5 bath Colonial priced at $269,900, call for floorplans and location. Laura Minard Ext. 205
Russia
$189,000
Classic 3 BR federal style home set on park like 3.8 acres! Open kitchen & loft, original features, 4 fireplaces, newer furnace, barn, work shop. Richard Parent Ext. 203
Waterville
$149,900
Mint 3 BR ranch! Custom oak kitchen, private family room, efficient zone heating, huge rear deck, garage & work shop, 1 acre rural setting! Richard Parent Ext. 203
Floyd
Utica
New Hartford
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 .
$149,000
Spacious ranch with 4 bedrooms and 2 full baths. Oversized family room with fireplace. Beautiful screened porch. Gaetano Belmonte
4957 Commercial Drive Yorkville NY
Call 768.1680 8
$189,900
Colonial Square intergenerational community, offering twin and single family homes starting under $200,000. Reduced property taxes. Newest Model is open. Laura Minard Ext. 205
$249,500
Fantastic 2 story contemporary on 2.78 acres. 3 bedrooms & 2.5 baths with a first floor master bedroom. Den on second floor could be modified to a fourth bedroom. Diana Raymond Ext. 207
$269,500
Lovely well maintained home with large rooms for family & friends. Well applianced kitchen w/ quality cabinets & corian counters, hot tub, 4 season room. Gloria Rocci Ext. 217
Ext. 202
Frankfort
$164,500
Beautiful ranch on 6 acres w/pond, 3 BR/2BA, attached oversized double stall garage, country setting. Affordable taxes. Scott Kelley Ext. 242
Marcy
$100,000
A great buy & huge upside potential with TLC on this 3 BR 1,863 sq/ft ranch! Bright kitchen, hardwoods, Whitesboro schools, priced to sell!
Richard Parent
Utica
Ext. 203
$69,900
New roof!! Brand new gleaming hardwoods!! Beautifully maintained home, priced to sell. Must see!! Ext. 211
$135,000
New Hartford
$94,500
Immaculate 3 bed/1bath ranch. Updated carpeting, appliances, tankless water heater, vinyl sided with new windows. Affordable in the New Hartford School District. Scott Kelley Ext. 242
Deerfield
$202,000
Exceptionally well maintained home. Opper Kitchen w/island & appliances, formal dining, living, family room w/stone fireplace. Spacious bedrooms, multi level deck. Laura Minard Ext. 205
Whitesboro
$129,900
3 BR’s, huge living Rm, for. D/R, sun room, Lg. F/R with gas fireplace. Updated kitchen with newer appliances, over 1,500 square feet to call your own. Great location. Kathy White Ext. 215
New Hartford
$84,900
Looking for key updates?.....stop here! Gorgeous kitchen, new windows & furnace, pride of ownership throughout, absolutely a move in! Richard Parent Ext. 203
Utica
$25,000
Reduced to sell Can be packaged with 1123 Dudley & 1128 Neilson. Each floor has 3 bedrm 1 bath. Needs cosmetics only. Pat Townsend
Ext. 218
New Hartford
$127,500
Cape style home with 4 bedrooms, hardwood floors, newer kitchen cabinets and appliances, den addition and fenced yard. Gaetano Belmonte Ext. 202
Utica
$80,000
Convenient location! This 3 bedroom ranch features a full basement, central air, hardwood floors and 1.5 baths, plus a 2 overhead garage. Lisa Filletti Ext. 206
Utica
$25,000
Reduced. Can be packaged with 1101 & 1128 Neilson. Lge 1 family that was converted from a 2 family. Special use room on second floor. Pat Townsend Ext. 218
Utica
$117,000
Spacious Well Kept Home! Brick fireplace in living room, 3 BR’s, hardwoods, 1st flr. laundry. Bsmt. level has kit.,BR, & BA. Great for college kids or in-laws. Double lot. Gloria Rocci Ext. 217
East Utica
$73,000
Strong curb appeal in this spacious E. Utica 2 family home, let your rent pay your mortgage! Separate utilities, 3 Br’s each apt. Richard Parent Ext. 203
North Utica
$129,000
3 BR ranch on corner lot. Freshly painted interior, updated bath, new carpeting. 3 car heated garage with work bench. Pat Townsend Ext. 218
January
Yulanda Robinson
Marcy
Spacious ranch on 3/4 of an acre of land. Walk up attic great for storage or expansion. Hardwoods throughout under carpeting. One owner property. Debbie Roberts Ext. 239
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www.ColdwellBankerPrime.com
into Your Smartphone: OR Go to our Mobile Platform: m.Coldwellbankerprime.com
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L i f e and H o m e s
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#1 Selling Company in the Mohawk Valley 2306 Genesee Street, Utica, New York
FAITH PROPERTIES
315-527-1252
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to Serving Your Real Estate Needs! “Linda is amazing! She made this time that people say is extremely stressful, easy for us!” - Chris & Darlene
Utica
$88,000
Marcy
$164,900
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Ohio
$99,900
Wow! Located in Adirondack Park. Groomed snowmobile trails, x country skiing, 4 wheelers. 6 Acres. Great for horses.
New Hartford
$149,900
Russia
$550,000
Wow!! Fabulous space in this over sized split level. 2700 Sq. Ft. of open floor plan. Offers lots of options. Fireplace. Great deck to private yard. Freshly painted.
Linda Peters
Associate Broker Cell: 315-527-1252 Email: LindaAPeters@gmail.com Popular neighborhood in Marcy, with easy access everywhere. One owner 3 bedroom 2bath ranch. Deck, 2 stall garage with pull down attic. Open floor plan.
Steuben
$295,000
Once in a lifetime. Miles of views. Penn Mt groomed trails. Pasture, barn and access to horse trails. Private 15 acres. More land available. Foothills of Adirondacks
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10
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 .
Open Market Listing Service™ Ava
LifeandHomes.com Clinton
$5,000
$169,900
9551 Mullen Hill Road
4 Old Boorne Drive
215 Acres • $5,000 - $25,000 per Acre
3 Bedrooms / 2.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #32673
For more details visit www.LifeandHomes.com Type in Quick Search #42415
Oneida County - FSBO
Clinton Real Estate
Phyllis Goworek • 315-335-2745
Barbara Frank • 315-853-4400
FSBO • 0@0.com
Lic. R. E. Broker • info@clintonrealestateny.com
Low Mortgage Rates • Homestead Financial 315-768-1980
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Chadwicks
Licensed Mortgage Banker NYS Banking Dept
Clinton
$177,500
$285,000
3590 Oneida Street
8179 Kellogg Street
3 Bedrooms / 2.0 Baths
3 Bedrooms / 2.5 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41359
For more details visit www.LifeandHomes.com Type in Quick Search #41867
Hunt For Homes
Clinton Real Estate
Jean Hunt • 315-725-4700
Barbara Owens • 315-853-4400
Broker/Owner • JeanHunt1@adelphia.net
Associate Broker • info@barbaraowens.com
Low Mortgage Rates • Homestead Financial 315-768-1980
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Clark Mills
Licensed Mortgage Banker NYS Banking Dept
Clinton
$129,900
$729,900
4705 Clinton Street
21 Chestnut Street
3 Bedrooms / 1.5 Baths
5 Bedrooms / 3.5 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41986
For more details visit www.LifeandHomes.com Type in Quick Search #41984
Clinton Real Estate
Clinton Real Estate
Barbara Owens • 315-853-4400
Barbara Owens • 315-853-4400
Associate Broker • info@barbaraowens.com
Associate Broker • info@barbaraowens.com
Low Mortgage Rates • Homestead Financial 315-768-1980
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Clinton
Licensed Mortgage Banker NYS Banking Dept
Clinton
$439,900
$104,900
76 College Street
7841 Kellogg
5 Bedrooms / 2.5 Baths
3 Bedrooms / 1.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #42414
For more details visit www.LifeandHomes.com Type in Quick Search #41538
Clinton Real Estate
Coldwell Banker Prime Properties
Barbara Frank • 315-853-4400
Jodie DeCosty • 315-723-8554
Lic. R. E. Broker • info@clintonrealestateny.com
Lic RE Associate Broker • jodiedecosty@cbpp.com
Low Mortgage Rates • Homestead Financial 315-768-1980
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Clinton
Licensed Mortgage Banker NYS Banking Dept
Constableville
$289,900
$99,900
30 Fountain Street
3708 Sweeney Road
2 Bedrooms / 2.5 Baths
2 Bedrooms / 1.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #42295
For more details visit www.LifeandHomes.com Type in Quick Search #41212
Clinton Real Estate
Barbara Dunn Realty
Barbara Frank • 315-853-4400
Barbara Dunn • 315-337-1677
Lic. R. E. Broker • info@clintonrealestateny.com
Broker/Owner • dunrealt@aol.com
Low Mortgage Rates • Homestead Financial 315-768-1980
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Licensed Mortgage Banker NYS Banking Dept
Laura Minard
Bill Lake has been the leader in building energy efficient custom homes for over 43 years. Call Dave today!
800-432-8669 www.SuperiorPlusEnergy.com
KD Homes Rt 12 Waterville, NY 13480
841-8700
email kdhomes@frontiernet.net web kdhomesny.com www.Life and Homes .com
11
L i f e and H o m e s
Phone: 315-768-1680 x 205 Web: lauraminard.com
Bill Lake Homes
A different kind of home built with pride & integrity by professionals.
■
You don’t need to be an expert to buy or sell real-estate! You need an expert working for you. I supply you with the information you need to make informed choices. We can work together to get you and your family what you need in the time you need it. Pick up the phone and interview me for the job of being your Agent! 315-525-1974 Cell Phone Anytime • lauraminard@cbpp.com
featuring
January
KD Homes
Coldwell Banker Prime Properties
newsShorts
Don't Overlook These Tax Breaks On Your 2010 Return Every year, taxpayers miss out on hundreds or thousands of dollars in tax breaks simply because they don't know the benefits exist. "Figuring out what tax breaks are available, whether you qualify, and what forms you need can be tricky," says Jessi Dolmage of TaxACT, makers of tax preparation software. Dolmage offers some tips for taking advantage of commonly missed deductions and credits: * If you paid for child care in 2010, you may be eligible for the Child and Dependent Care Credit. Day care, pre-kindergarten, before-school and after-school programs and summer day camp for children 13 or younger qualify. The care must have been provided so that you, and your spouse, if filing jointly, could work or look for work (exceptions apply for full-time students and the disabled).
L i f e and H o m e s
■
Central New York
The credit amount varies based on filing status and adjusted gross income, but the maximum benefit is 35 percent of expenses for joint filers with an adjusted gross income of $15,000. Eligible expenses are reduced by dependent care benefits provided by your employer that you deduct or exclude from your income. Payment for care cannot be paid to a spouse, a dependent on your return, or to a child who will not be age 19 or older by the end of the year even if he or she is not your dependent; thus, care provider(s) must be identified on your return. * 2010 is the last year to claim the Nonbusiness Energy Credit, worth up to 30 percent of the costs for many energy-efficient home improvements. Up to $1,500 for 2009 and 2010 combined can be claimed, but only for the year during which the improvements were made. Other green improvements like solar hot water property, geothermal heat pumps and wind energy property may qualify for the Residential Energy Efficient Property Credit. * If you travel in order to provide services at charitable events, you may be able to take a miscellaneous deduction. Deductible expenses include transportation costs, out-of-pocket expenses for your car, taxi fares or other costs of transportation between the airport or station, and your hotel, lodging and meals. The trip should include little to no personal recreation or vacation. Be sure to keep receipts and detailed documentation. 12
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 .
* Be rewarded for contributing to your employersponsored retirement plan or an individual retirement arrangement (IRA). The Retirement Savings Contributions Credit is worth up to $1,000 for taxpayers born before Jan. 2, 1992 ($2,000 for joint filers). The non-refundable credit is a percentage of the qualifying contribution amount minus distribution amounts, with the highest rates given to lower incomes. * If you spent money looking for a job in the same field during 2010, you may qualify for a miscellaneous deduction. Employment agency fees, resume printing and postage costs and travel to and from the area (if the travel was primarily to look for a new job) are eligible. You aren't eligible if you're looking for your
first job or there was substantial time between the end of your last job and the time you looked for a new one. "Affordable, do-it-yourself tax software and online solutions make getting all your credits and deductions easy and fast," Dolmage says. "The program walks you through each credit and deduction, and completes the necessary forms. Solutions like TaxACT also guarantee your biggest refund and make getting every credit and deduction you deserve easy." Details about these and other 2010 tax breaks can be found at www.irs.gov. TaxACT Free Federal Edition, available at www.taxact.com, guides you through these tax benefits, and allows you to prepare, print and e-file your federal return free. (ARA)
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Open Market Listing Service™
LifeandHomes.com
Constableville
$127,000 3706 Sweeney Road / 15 Acres
Ilion
3 Bedrooms / 1.0 Baths
Restaurant or Office
For more details visit www.LifeandHomes.com Type in Quick Search #41211
For more details visit www.LifeandHomes.com Type in Quick Search #41760
$89,000 161 Second St - Commercial
Barbara Dunn Realty
Dominion Homes
Barbara Dunn • 315-337-1677
Amy Abdoo • 315-794-2653
Broker/Owner • dunrealt@aol.com
Broker/Owner • blon316@aol.com
Low Mortgage Rates • Homestead Financial 315-768-1980
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Dolgeville
Licensed Mortgage Banker NYS Banking Dept
Ilion
$135,000
$128,900
83 South Main Street
44 South Fourth Ave
4 Bedrooms / 1.0 Baths
Open House • Jan 9 • 1pm - 3pm
For more details visit www.LifeandHomes.com Type in Quick Search #42440
For more details visit www.LifeandHomes.com Type in Quick Search #42065
Bruce Ward & Company
United Country Real Estate/HBE Group, Inc. John Carlin • 315-429-9754
Leslie Nicolette • 315-985-0212
Lic. R.E. Broker • hbegroup@twcny.rr.com
Lic. R.E Salesperson • dnicolette@twcny.rr.com
Low Mortgage Rates • Homestead Financial 315-768-1980
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Eaton
Licensed Mortgage Banker NYS Banking Dept
Ilion
$33,900
$18,900
5767 Mill St
174 Otsego St.
3 Bedrooms / 1.0 Baths
5 Bedrooms / 3.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41933
For more details visit www.LifeandHomes.com Type in Quick Search #41581
Dominion Homes
Dominion Homes
Amy Abdoo • 315-794-2653
Amy Abdoo • 315-794-2653
Broker/Owner • blon316@aol.com
Broker/Owner • blon316@aol.com
Low Mortgage Rates • Homestead Financial 315-768-1980
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Floyd
Licensed Mortgage Banker NYS Banking Dept
Lee
$285,500
$118,500
7615 Oakview Terrace
6319 Meadow Drive
3 Bedrooms / 2.5 Baths
3 Bedrooms / 2.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41868
For more details visit www.LifeandHomes.com Type in Quick Search #42326
Gladys Winterton • 315-334-1046
Tony Abone • 315-339-2222
Clemens-Beckley Real Estate
RE/Max All Pro
Lic. R.E Salesperson • GLADYSWINTERTON@YAHOO.COM
Broker/Owner • proabone@cnymail.com
Low Mortgage Rates • Homestead Financial 315-768-1980
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Herkimer
Licensed Mortgage Banker NYS Banking Dept
Lee
$58,000
$295,000
355 King Street
6420 Emerald Circle N.
3 Bedrooms / 1.5 Baths
4 Bedrooms / 2 Full Baths/ 1 Half Bath
For more details visit www.LifeandHomes.com Type in Quick Search #42426
For more details visit www.LifeandHomes.com Type in Quick Search #42438
Leslie Nicolette • 315-985-0212
Tony Abone • 315-339-2222
Bruce Ward & Company
RE/Max All Pro
Lic. R.E Salesperson • dnicolette@twcny.rr.com
Broker/Owner • proabone@cnymail.com
Low Mortgage Rates • Homestead Financial 315-768-1980
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Licensed Mortgage Banker NYS Banking Dept
Customer Service
A Tradition of Customer Service that lives on in our Prudential Team! www.prudentialcarucci.com
(315) 733-0463
www.Life and Homes .com
13
L i f e and H o m e s
315-334-1046
1
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420 N. Washington St. Rome, NY 13440
Joseph R. Carucci Real Estate 600 French Rd., New Hartford
January
Clemens-Beckley Real Estate, Inc.
LifeandHomes.com Madison
Open Market Listing Service™ New Hartford
$18,900
16 E. Lake Rd.
25 South Hills Drive
Building Lot • 5+ Acres
3 Bedrooms / 2.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41900
For more details visit www.LifeandHomes.com Type in Quick Search #42191
Dominion Homes
New Nest Realty
Amy Abdoo • 315-794-2653
Amy La Clair • 315-790-4153
Broker/Owner • blon316@aol.com
Broker/Owner • info@newnestrealty.com
Low Mortgage Rates • Homestead Financial 315-768-1980
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Licensed Mortgage Banker NYS Banking Dept
Marcy
$299,900 Buckland Estates - New Construction
New Hartford
3 Bedrooms / 2.0 Baths
4 Bedrooms / 2.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41653
For more details visit www.LifeandHomes.com Type in Quick Search #42439
Prudential J.R. Carucci Real Estate
Buck Construction • 315-736-0865
Christine Ossont • 315-733-0463
Contractor/Developer • alyssabuck@buckconstruction.net
Realtor • cossontre@earthlink.net
Low Mortgage Rates • Homestead Financial 315-768-1980
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Montague
Licensed Mortgage Banker NYS Banking Dept
Oneida
$72,000
$299,900
Rector Road - Tug Hill
1855 West Road
2 Bedrooms / 1.0 Baths
5 Bedrooms / 2.5 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #42434
For more details visit www.LifeandHomes.com Type in Quick Search #42133
Nu-Day Realty
Hunt Real Estate ERA
Virginia Lyndaker • 315-376-7915
Sue Rosendale • 315-374-7451
Broker/Owner • nuday@northnet.org
Lic. R. E. Agent • srosendale@huntrealestate.com
Low Mortgage Rates • Homestead Financial 315-768-1980
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
New Hartford
Licensed Mortgage Banker NYS Banking Dept
Oriskany Falls
$244,900
$69,000
52 Woodberry Road
Valley View Road
5 Bedrooms / 2.5 Baths
5+ Acres
For more details visit www.LifeandHomes.com Type in Quick Search #42142
For more details visit www.LifeandHomes.com Type in Quick Search #42335
Coldwell Banker Faith Properties
New Nest Realty
Jay Groah • 315-272-3975
Amy La Clair • 315-790-4153
Licensed R.E. Agent • jlgroah@gmail.com
Broker/Owner • info@newnestrealty.com
Low Mortgage Rates • Homestead Financial 315-768-1980
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
New Hartford
Licensed Mortgage Banker NYS Banking Dept
Remsen
$184,900
$45,000
307 Higby Road
Starr Hill - Prime Acreage
3 Bedrooms / 2.5 Baths
15 Acres
For more details visit www.LifeandHomes.com Type in Quick Search #42017
For more details visit www.LifeandHomes.com Type in Quick Search #42445
NeuDot Realty
Oneida County - FSBO
Dorothy Neumann • 315-527-3542
Al Lindsey • 270-977-8555
Broker/Owner • neu.dot@gmail.com
FSBO • arl@lindsey-family.com
Low Mortgage Rates • Homestead Financial 315-768-1980
Low Mortgage Rates • Homestead Financial 315-768-1980
Central New York
Licensed Mortgage Banker NYS Banking Dept
Licensed Mortgage Banker NYS Banking Dept
Advanced Home Inspection Service LLC
15 years experience inspecting homes NYS Licensed/ Certified Inspector NEHA/NRPP Certified Radon Tester
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L i f e and H o m e s
$127,900
13 Bohling Road
Buck Construction
Well flow/Septic Dye/Water Purity Testing Providing our clients with an educated inspection of their new home purchase while looking for any minor/major defects
Professional & Courteous Real Estate Services
NAHI
Don Archer
NRPP
Call 315-792-9029
http://www.advancedhomeis.com 14
$185,000
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 .
Effective & Affordable Advertising
Print • Online • Radio • TV & Video
315.865.5845
David@LifeandHomes.com
media
“Trust in the Lord with all your Heart.” Prov. 3:5
340 Main Street Oneida, NY 13421
HUNT Real Estate Corp. invites you to celebrate our 100th year in business - Proudly assisting thousands of families with all of their real estate & homeownership needs.
315-363-5533 Ryan Kirch
Licensed R.E. Salesperson Hunt Real Estate ERA
Cell: 315-264-4198 Office: 315-363-5533 Email: ryan.kirch@huntrealestate.com
Rome
$114,300 Camden
This spacious ranch offers a large cherry eat in kitchen and formal dining room, open to a spacious living room with a wood burning fireplace.
$199,900 Vienna
This three bedroom, 2 bath ranch home is move in ready, offers a family friendly layout, large rooms, an eat in kitchen with a breakfast bar, a finished basement with a dance floor!
D XE MI
Camden
$137,500 Rome
Charming 2 story on five acres! Offers 3 spacious second floor bedrooms, and a 10x12 bedroom/ den or office on the first floor. A large eat in center island kitchen w/ breakfast nook.
$77,900 Camden
Home offers beauty and detail you can’t find for the money! The woodwork, colums , original fixtures and hardware will take you back in time, the entry will take your breath away .
6377 State Route 233, Rome NY • 315-336-7323
Nearly New
Magnificent large ranch, 3 bedroom 2 bath, living room and family room with fireplace, all appliances, great corner lot! $79,000
$163,000
Contemporary style home with 3-4 bedrooms, 2.5 bathrooms, first floor laundry, a great kitchen with breakfast bar open to the family room, serving window to the dining area.
Annsville
$269,900 Camden
This 4 bedroom 2 bath home has a lot of extras to offer, with 10 private ares, 650 ft of waterfront on florence creek tree house with electrical service and inground pool!
$139,500
Operate your own business and let the tenants pay for the building, or invest in your future! The first floor is a large office space, set up for a podiatrist.
Gracious Community Living • Meticulously Maintained • Rome Water Secure • Financing Available • No Closing Costs • Westmoreland Schools Open Mon, Tues, Wed, Fri, Sat by appointment New Homes on Display from $72,000!
New Home - Now on Display
This new 3 bedroom 2 bath home has it all - fireplace, all kitchen appliancesenergy star. Located on a pretty high lot. $72,500 Financing Available
New Listing
Very Nice 2 Bedroom 2 Bath Ranch, Dense Woods in Back, Central Air, Deck, All Appliances, New Roof, W/D Negotiable. Come See. $41,900
Great Floor Plan Spacious 3 Bedroom, 2 Bath Ranch, 1½ Car Garage, Central Air, Large Deck, and All Appliances, Including Washer, Dryer, and Dishwasher. $52,000 www.Life and Homes .com
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L i f e and H o m e s
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Near New
Newer 3 Bedroom 2 Bath Ranch, Central Air, Open Floor Plan. Owner Anxious. $59,900 $54,900
January
R
New Listing
E US
20,000 Rome
This corner building lot is located in a quiet neighborhood, close to parks, shopping, library and schools. Located on a designated snowmobile trail.
U ED
Large 3 Bedroom, 2 Bath Ranch. Central Air, Backs Up to Woods, Fireplace, Large Deck. $40,000
$265,000
Scenic paradise, enjoy natural light and views of nature from every room. This 3,543 square ft. Log mansion on 25.81 Acres is an amazing buy!
Average Home
Days On Market: Yorkville $149,900
2353 Douglas Ave Welcome home to this beautiful raised ranch in an always-popular neighborhood on a private dead-end street! a
,900 Westmoreland $299
6451 Bartlett Rd accessible model Fantastic wheelchair-lt for incredibly home designed & buidern twist! easy living with a mo
Sylvan Beach $89, 900
Central New York
7334 Lakeshore Drive Nice open floor pla n with great outdoor living, a lakeview dec k, new roof, water heater, huge fireplace.
$94,900
3 0 Days
www.GetP ackingCN
Y.com
73 Prospect Street An instant classic, this bea ates the warmth & charm utiful home radiof a bygone era.
New Hartf ord $ 244,90 0
0 Bridgewater$169,90
9706 US Highway 20 custom chalet priAbsolutely delightful 14 acre outdoor vately situated on a this home! love ’ll You d! oun playgr
Floyd $65,000
7404 Camroden rd e w/ lrg bedrooms, 3Bd 1ba, 2 story homlot and more! newer windows, acre
52 W Absoluoodberry rd colonialtely beautiful ov that rad iates wersized woodb armth a e nd charrry m!
South Utica $89,900
2011 Sunset Ave remodeled 3 bed Absolutely stunningst-See interior! 2 ba bungalow! Mu
Jorda n Guy Operations
FAITH PROPERTIES
The Jay Groah Team
â–
L i f e and H o m e s
Utica
94
Our DOM :
Licensed Real Estate Sales Agents
315.735.2222 (office) 315.272.3975 (jay) 315.725.1608 (brandon)
Jay
Listing Co ordinator
16
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 .
Bra ndon ialist Bu yer Spec
Coldwell Banker Faith Properties
November Stars
2306 Genesee Street Utica, New York 735-2222
www.CentralNewYork.com FAITH PROPERTIES www.Life and Homes .com
17
L i f e and H o m e s
Jay Groah
â–
Bozena Sroczyk Linda Peters
January
Congratulations to these Top Selling Agents!
SCAMPONE REAL ESTATE 797-7100
WE WISH YOU A PROSPEROUS & HEALTHY 2011
LET US OPEN A NEW DOOR FOR YOU THIS YEAR G TIN
LIS W
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West Utica
$87,500
Totally renovated 5 bedroom, 2 full bath home. First floor laundry, new vinyl windows, GFA furnace. Ready for a new owner. Shows well. Additional adjacent lot included 39x102. New plumbing and wiring. MLS #1004051 ICE
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N IO CT RU ST N CO
Oriskany
New Hartford
$249,000
$239,900
Newly Constructed 3 bdrm 2 bth ranch in the Whitetail Meadows development. Gorgeous brick oven kitchen w/ maple cabinets, LR, DR, breezeway. Completed w/ lawn, driveway, walkway. Turn key! MLS #1000465 $164,900
This 3 Bedroom, 2 Bath ranch has the best of both worlds.; country living, yet just one mile from the Parkway. Many recent updates from the kitchen to the family room. Giant bonus room could be used as 4th bedroom. Frankfort schools. MLS #1003816
South East Utica
$129,900
Updated and maintained property, both inside and out. New driveway, landscaping, fencing, windows & bath. Hardwoods throughout & freshly painted 3 bdrm, 1 1/2 bath in very desireable East Utica location. Updated furnace & electrical. Well built steel beam construction. Very comfortable living! MLS #1003579
$399,000
Unique English Tudor situated on a private wooded setting. 2760 sq ft of classic style & outstanding craftsmanship. 4 bdrm, 2 full baths, 2 half baths. Updated kitchen & baths, featuring mosaic tiles & stainless appliances. Open LR/DR, great FR w/ FP & beamed ceiling & wet bar. Mstr suite has gas FP. Avanti sound system throughout. Too many amenities to mention. MLS #911363
South East Utica
Nearly new Country Cape situated on a partially wooded private lot. 1st flr mstr suite, FR w/ FP. Great kit w. brkfst area. Formal ining leads to Trex Decks & enclosed sunporch. 3 more bdrms, bath & attic access on 2nd lvl Finished basement w/ wet bar, ½ bath & office. MLS #1002513
Frankfort
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$240,000
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L i f e and H o m e s
South East Utica
$239,900
Whitesboro
Spacious 4 bdrm, 2 1/2 bath condo. Flr master suite. Loft area overlooking fireplaced family rm. Steps away from the golf course and only minutes from shopping 1st. ‘City close yet country quiet’ in this upscale neighborhood.
Just move in to this immaculate home! Newer windows, roof & siding. New landscaping, new doors, gleaming hrdwds, freshly painted. Possible building lot to the right of property. MLS #1003562
Ilion
$159,000
East Utica - Commercial $139,900
Over 4200 sq ft of living area in this historical home built in 1864 by the Remington Brothers. Currently set up as a 2 fam, can be 1 fam. Would make a great B&B. Beautiful grounds bordered by Steelcrk on the E. side. Floor plan can work for so many different needs. Hdwd flrs, sunrooms, spacious, must see! MLS #1003277
Fully equipped turn key tavern currently operating as Salutes, formerly Lasseks Tavern. Completely renovated w/ 2 yr old 20x20 addition, open air kitchen, cathedral ceilings, knotty pine interior w/ skylites. Just needs a new owner.
MLS #1003199
North Utica
North Utica
124,900
Warm sunprch, bright, lrg fr w/frplc, dry bar & built-ins, frml dr, new fully apl kit w/crmc tile. New 1/2 bth, furnace, hwh, ‘enhanced’ hrdwds thruout. Leo kline updted full bth w/transfrbl wrnty. New 2tier deck. House sits on 3 lots, fenced, backs to woods for privacy. New lndscpng. Nice property!
MLS #1003525
scamponerealestate.com
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 .
Stunning contemporary 4 bdrm, 2 bath colonial w/all the extras! Sunken lr w/built in entertainment center & tongue & groove handcrafted beamed cathedral style ceiling. Custom kithen w/10’ granite 2 tiered island. Gleaming hdwds. Too many features to mention in this superb home w/archtectural drama! Situated on a double lot! A must see! MLS #1003563
New Hartford Condo $235,000
FOR A COMPLETE INVENTORY OF LISTINGS & UP TO DATE PROPERTY INFO, VISIT...
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$324,900
Spawling, Renovated 4 bedrm, 3 bath ranch. 3 Fireplaces, Hrdwds, New Windows, Roof, Kitchen & Bath. Formal LR w/ FP, formal DR. Master bath. Main floor laundry, finished room in basement w/ 3rd fireplace. Sliders from FR to new deck. Large yard. Most sought after locations!
MLS #1000563
R LE SEL
Frankfort
Popular area. Completely Remodeled, C/A., Modified ranch with beautiful layout & abundant principal rms on main level. Over 2700 sq ft, 4 bdrm, 1 1/2 bths, 1700 sq ft in-law apt on lower level, sep entrc. Amenities galore, massive rooms, formal dining, beautiful yard, inground pool & so much more! MLS #200800287
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Central New York
South East Utica
$219,000
$114,900
Unique 2 bedrm, 1 bath ranch in great area. Has many updates; kit, vaulted LR w/ FP, vaulted DR, Vaulted master bedrm. Beautiful hardwoods throughout & ceramic in kit. Newer windows, CA, fenced yard, large shed, 1½ stall garage & lge front deck makes this a wonderful turn key home MLS #1003218
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Open Market Listing Service™
LifeandHomes.com
Remsen
$298,000 10040 Bardwell Mills Road
Rome
3 Bedrooms / 2.0 Baths
4 Bedrooms / 3.5 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #42090
For more details visit www.LifeandHomes.com Type in Quick Search #33770
Anthony Fumarola • 315-732-3456
Maria E. Dailey • 315-336-0433
A.Fumarola /Joyce Realty Broker/Owner • anthony.fumarola@gmail.com
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Rome
$154,000
National M&D Dailey Realty Broker/Owner • dailey.realty@gmail.com
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Rome
$59,500
534 Mill Brook Road
3 Bedrooms / 2.5 Baths
3 Bedrooms / 1.5 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #42327
For more details visit www.LifeandHomes.com Type in Quick Search #33899
Tracy Winterton • 315-335-3843
We Buy/Sell Houses • 315-264-9235
Lic. R.E Salesperson • tlwinterton@hotmail.com
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Rome
$62,900
Oneida County Real Estate Investors Investor • phpenterprises@hotmail.com
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Rome
$106,000
531 Dealing St
8388 Turin Road
2 Bedrooms / 1.0 Baths
1 Bedrooms / 4.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #42419
For more details visit www.LifeandHomes.com Type in Quick Search #42325
A.Fumarola /Joyce Realty
Anthony Fumarola • 315-732-3456 Broker/Owner • anthony.fumarola@gmail.com
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Rome
$266,900
RE/Max All Pro
Tony Abone • 315-339-2222 Broker/Owner • proabone@cnymail.com
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Rome
$109,900
8105 Pine Brook Lane
211 E Linden Street
3 Bedrooms / 2.0 Baths
3 Bedrooms / 1.5 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41026
For more details visit www.LifeandHomes.com Type in Quick Search #41169
Clemens-Beckley Real Estate Edward Beer • 315-334-1046 • EBEER@TWCNY.RR.COM
RE/Max All Pro
Tony Abone • 315-339-2222 Broker/Owner • proabone@cnymail.com
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Rome
$79,900 6794 Rt 233 Westmoreland Road
Schuyler
2 Bedrooms / 1.0 Baths
1 Bedrooms / 1.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #42437
For more details visit www.LifeandHomes.com Type in Quick Search #42418
Hunt For Homes
Jean Hunt • 315-725-4700
Be Sure With Secure
Amy is a NYS licensed Real Estate Broker. For the last 6 years she has enjoyed working primarily with marketing foreclosures with several different banks and outsourcers. She resides in Clinton and when not “Helping You Make Our House Your Home”, she spends time with her husband and three boys. Give her a call or email for your Real Estate needs. Phone: 315-794-2653 Email: Blon316@aol.com
Barbara Dunn Realty Wishing Everyone a
Healthy, Happy and
Prosperous New Year! 215 N. James Street Rome • 315-337-1677 dunnrealt@aol.com • BWDunnRealt@utube.com www.Life and Homes .com
19
L i f e and H o m e s
www.Securehomeinspections.com
Dominion Homes
Licensed Mortgage Banker NYS Banking Dept
■
PH: 315 859 1778
Well flow/ septic dye/ water purity testing Complete interior, exterior, and grounds inspection
Amy Abdoo
Low Mortgage Rates • Homestead Financial 315-768-1980
January
Pre-purchase Residential Inspections Helping the perspective home buyer with a quality home inspection 40 years experience in the building industry - 12 years experience inspecting homes in New York State Lic# 16000003057 certified Inspector
A.Fumarola /Joyce Realty Broker/Owner • anthony.fumarola@gmail.com
Licensed Mortgage Banker NYS Banking Dept
Secure Home Inspections
$52,500 3443 Route 5 (Herkimer Rd)
Anthony Fumarola • 315-732-3456
Broker/Owner • JeanHunt1@adelphia.net
Low Mortgage Rates • Homestead Financial 315-768-1980
Cell: 315 542 4622
406 W. Oak Street
6559 Elmer Hill Road
1St. Rome Realty
Dominick M Tofolo Jr.
$305,000
LifeandHomes.com Sherrill
Open Market Listing Service™
$179,900
3 Bedrooms / 1.5 Baths
2 Bedrooms / 1.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #42444
For more details visit www.LifeandHomes.com Type in Quick Search #32684
Sue Rosendale • 315-374-7451
Steve Ruscitto • 315-762-4488
Lic. R. E. Agent • srosendale@huntrealestate.com
Licensed Mortgage Banker NYS Banking Dept
Stanwix
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Sylvan Beach
Salon - Income Potential
3 Bedrooms / 1.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #42079
For more details visit www.LifeandHomes.com Type in Quick Search #32685
Jill Shafer • 315-334-1046
Steve Ruscitto • 315-762-4488
Lic. R.E Salesperson • JILLEATON2@HOTMAIL.COM
$69,000
503 16th Ave Seller Financing
Oneida County Real Estate Investors Investor • steve@cnyres-q.com
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Steuben
$295,000 10403 North Steuben Road
Turin
3 Bedrooms / 2.0 Baths
2 Bedrooms / 2.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #42449
For more details visit www.LifeandHomes.com Type in Quick Search #42436
Linda Peters • 315-527-1252
Virginia Lyndaker • 315-376-7915
Coldwell Banker Faith Properties Lic R.E Associate Broker • LindaAPeters@gmail.com
Licensed Mortgage Banker NYS Banking Dept
Steuben
$75,000 4004 MacKey Road - Tug Hill
Nu-Day Realty
Broker/Owner • nuday@northnet.org
Low Mortgage Rates • Homestead Financial 315-768-1980
$219,900
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Utica
$119,750
10108 Starr Hill Road
29-35 Devereaux Street
4 Bedrooms / 2.0 Baths
Drive-thru Bank
For more details visit www.LifeandHomes.com Type in Quick Search #42347
For more details visit www.LifeandHomes.com Type in Quick Search #42213
Jodie DeCosty • 315-723-8554
Maria E. Dailey • 315-336-0433
Coldwell Banker Prime Properties Lic RE Associate Broker • jodiedecosty@cbpp.com
Licensed Mortgage Banker NYS Banking Dept
Stratford
National M&D Dailey Realty Broker/Owner • dailey.realty@gmail.com
Low Mortgage Rates • Homestead Financial 315-768-1980
$235,000
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Utica
167 Avery Road
$78,000 1601 Brinkerhoff Ave - 2 Unit
4 Bedrooms / 1.0 Baths
8 Bedrooms / 2.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #42450
For more details visit www.LifeandHomes.com Type in Quick Search #42442
Debbie Sicilia • 518-495-5770
Kim Perry • 315-723-6340
Kinship Properties
Lic. R.E Salesperson • debnjoe@frontiernet.net
Licensed Mortgage Banker NYS Banking Dept
Dorothy Neumann NeuDot Realty
Selling FSBO? This year, more than ever, is not the time to go it alone. Buyers have many homes to choose from. A realtor provides maximum exposure, screens prospects, has contacts with attorneys, home inspectors, surveyors, lenders, contractors. We guide you through the maze of contracts, disclosures, marketing, setbacks and myriad of details. More than ever, you need a friend on your side; someone who knows the market, the risks, the ropes. Now an approved HUD broker. You need Neu.Dot Realty.
PUBLIC NOTICE ONEIDA & MADISON COUNTY NY We publish a FREE Water Quality Report. To use this free public resource, visit the website.
http://Safer-Homes.CyberVillage.com Or Google: Safer Homes CyberVillage
Phone: 315-527-3542 Email: dneumann@neudotrealty.com 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 .
Buyer’s Realty Group
Lic. R. E. Salesperson • k.perry9767@gmail.com
Low Mortgage Rates • Homestead Financial 315-768-1980
Central New York
Oneida County Real Estate Investors
$98,000 6851 Rome Oriskany Rd - Commercial
Clemens-Beckley Real Estate
■
Seller Financing
Investor • steve@cnyres-q.com
Low Mortgage Rates • Homestead Financial 315-768-1980
L i f e and H o m e s
$67,000
1314 Vienna Rd
Hunt Real Estate ERA
20
Sylvan Beach
304 W Hamilton Ave
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Open Market Listing Service™
LifeandHomes.com
Utica
$24,900 1120 Schuyler - Multi Family
Utica
4 Bedrooms / 2.0 Baths
2 Bedrooms / 2.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41646
For more details visit www.LifeandHomes.com Type in Quick Search #41842
$15,900
152 Country Road
NeuDot Realty
Prudential J.R. Carucci Real Estate
Dorothy Neumann • 315-527-3542
Gene Primarolo • 315-723-8462
Broker/Owner • neu.dot@gmail.com
Lic. R.E Salesperson • genop67@hotmail.com
Low Mortgage Rates • Homestead Financial 315-768-1980
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Licensed Mortgage Banker NYS Banking Dept
Utica
$74,900 1635-1637 Holland Ave - 2 Family
Vernon
6 Bedrooms / 2.0 Baths
3+ Acres
For more details visit www.LifeandHomes.com Type in Quick Search #42343
For more details visit www.LifeandHomes.com Type in Quick Search #42052
Cooper Street
Oneida County - FSBO
New Nest Realty
Rick Andrew • 315-534-0555
Amy La Clair • 315-790-4153
FSBO • rickjandrew@gmail.com
Broker/Owner • info@newnestrealty.com
Low Mortgage Rates • Homestead Financial 315-768-1980
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Utica
$28,000
Licensed Mortgage Banker NYS Banking Dept
Vernon
$209,900
$169,000
North Utica
6 Black Ave East
2 Bedrooms / 2.0 Baths
3 Bedrooms / 1.5 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #33997
For more details visit www.LifeandHomes.com Type in Quick Search #41694
Buck Construction
New Nest Realty
Buck Construction • 315-736-0865
Amy La Clair • 315-790-4153
Contractor/Developer • alyssabuck@buckconstruction.net
Broker/Owner • info@newnestrealty.com
Low Mortgage Rates • Homestead Financial 315-768-1980
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
QSN#42443
Licensed Mortgage Banker NYS Banking Dept
QSN#42087
QSN#42417
“The Key to your front door”
Rome
$59,900
Rome
$39,900
535 W.Embargo St 3 Bedroom, 2 story home. Adorable starter. Large kitchen. Front porch and covered patio in back yard. Area for parking. Special use room - additional bath? office? exercise room? You decide...but you have to call first!
8680 Gore Rd 3 bedroom 2 bath single wide mobile home located on just less than 1 acre. Nice country setting. Master bed and bath. Cash only sale, please.
QSN#41379
QSN#42088
Lee Center
$84,900
9174 Sulphur Springs Rd Welcome home to this adorable 3 bedroom cape cod in the Town of Lee. Nice and bright floor plan. Well cared for. Super yard! One stall garage. Full basement. Owner wants offers!
QSN#33888
$57,000
Rome
$87,900
7879 W. Thomas St Owner built 3 bedroom, 1 full bath ranch with plenty of potential. 2 stall attached garage, full basement and large yard. Convenient location. 2 porch areas. Hardwood floors. Kitchen is nice size. Bright family room. Owner wants offers!
Rome
$125,000
6607 Bartlett Rd Approx 34 acres is home to this farmhouse and outbuildings. All buildings need TLC. Nice area. Westmoreland school district. Time to roll up your sleeves and get serious!
For more information on any of these homes, visit
www.LifeandHomes.com and type in the QSN#
www.homecomingrealty.net • 734 Erie Blvd. W, Rome, NY 13440
www.Life and Homes .com
21
L i f e and H o m e s
110 Abbe Blvd. 3 bedroom, 2 full bath doublewide is waiting for you! Master suite, fireplace, central air, centrally located, move in condition, open floor plan and a super back deck - need I say more?
337-0841 office 335-6971 cell 337-7973 fax
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Rome
January
Denise Witchley Lic. Real Estate Broker/Owner
LifeandHomes.com
Open Market Listing Service™
Vernon
$149,900 4966 State Route 26 Rome Rd
Westmoreland
3 Bedrooms / 1.5 Baths
4 Bedrooms / 3.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41934
For more details visit www.LifeandHomes.com Type in Quick Search #42170
Amy La Clair • 315-790-4153
Buck Construction • 315-736-0865
New Nest Realty
Broker/Owner • info@newnestrealty.com
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Vernon
$299,900
Westmoreland
$129,900
4 Bedrooms / 1.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #42155
For more details visit www.LifeandHomes.com Type in Quick Search #42134
Amy La Clair • 315-790-4153
Sue Rosendale • 315-374-7451
Licensed Mortgage Banker NYS Banking Dept
Verona
$139,900
Hunt Real Estate ERA
Lic. R. E. Agent • srosendale@huntrealestate.com
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Whitesboro
$147,900
6137 Happy Valley Road
55 Main St
3 Bedrooms / 2.0 Baths
3 Bedrooms / 1.5 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #42441
For more details visit www.LifeandHomes.com Type in Quick Search #41953
Sue Rosendale • 315-374-7451
Rob Savoy • 315-337-2229
Hunt Real Estate ERA
Lic. R. E. Agent • srosendale@huntrealestate.com
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Waterville
$127,000
Royal Realty
Broker/Owner • info@royal1realty.com
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Whitestown
141 Osborne
$145,500 6973 Rome Oriskany Road
3 Bedrooms / 2.0 Baths
3 Bedrooms / 2.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #42100
For more details visit www.LifeandHomes.com Type in Quick Search #42345
Douglas Lemery • 315-841-8834
Jodie DeCosty • 315-723-8554
Lemery Realty
Lic. R. E. Salesperson • lemeryrealty@frontiernet.net
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Coldwell Banker Prime Properties Lic RE Associate Broker • jodiedecosty@cbpp.com
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Watson
$65,000 Buck Point Road #4 - Beaver Lake
Whitestown
3 Bedrooms / 1.0 Baths
3 Bedrooms / 2.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #42432
For more details visit www.LifeandHomes.com Type in Quick Search #41935
Virginia Lyndaker • 315-376-7915
Amy La Clair • 315-790-4153
Nu-Day Realty
Broker/Owner • nuday@northnet.org
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Central New York
Licensed Mortgage Banker NYS Banking Dept
2 Bedrooms / 2.5 Baths
Low Mortgage Rates • Homestead Financial 315-768-1980
Smith Inspection Services, llc Serving Central NY and the Mohawk Valley
Jodie DeCosty Lic. Assoc. R.E. Broker
Pre-Listing & Buyer Inspections Septic System Inspections & Dye Tests Water Purity & Quality Tests
■
Contractor/Developer • alyssabuck@buckconstruction.net
Low Mortgage Rates • Homestead Financial 315-768-1980
7547 State Route 5
Broker/Owner • info@newnestrealty.com
L i f e and H o m e s
Buck Construction
4140 Churton Road
New Nest Realty
35 Years Commercial Construction Experience 5 Years Home Inspection Experience PO Box 126, Sherrill, NY 13461
Call 315-363-8074 22
$239,900
6000 Eureka Rd.
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 .
4957 Commercial Drive Yorkville NY 13495 www.ColdwellBankerPrime.com/jodie.decosty Cell: 315-723-8554 Email: jodie.decosty@coldwellbankerprime.com
$85,000 5122 Westmoreland Road
New Nest Realty
Broker/Owner • info@newnestrealty.com
Low Mortgage Rates • Homestead Financial 315-768-1980
Licensed Mortgage Banker NYS Banking Dept
Joseph R. Carucci Real Estate 600 French Rd., New Hartford
(315) 733-0463
1 COMPTON RD., NEW HARTFORD
24 FOXCROFT ROAD, NEW HARTFORD
Beautiful Expanded Cape in one of New Hartford’s Prime Locations on a Private 1 Acre landscaped lot. Lrg LR, DR, 5 BRs (1st flr Mstr/Bath) & 4 Full Baths. Exquisite Hdwds, Library, Steam shower, Wine Cellar, Replacement windows. Great home, Must See! Joan Abend, Assoc. Broker ext. 216
Special 5 Bedroom Woodberry Hills Colonial with many beautiful rooms and flexible room use. Light, bright, quality updates! Huge Master Suite with extraordinary Master Bath. Over 4,000 sq/ft of living space in such a convenient location! Chris Ossont, Assoc. Broker ext. 104
$354,000
$349,900
MLS#1000553
MLS#1002276
10 WOODLAND VILLAGE, NEW HARTFORD
47 WOODBERRY RD., NEW HARTFORD
Stunning 3 BR, 2.5 Bath, 2,200 sq/ft Home! Totally Renovated Kit. & Baths. Kit w/ Quartz Countertops, Maple Cabinets & New Appliances opens to fireplaced FR w/ bookshelves. Lrg Mstr BR overlooks vaulted LR. Cul-de-sac lot. Bsmt Rec Rm. C/A. Many Updates! Willinette Cohen ext. 218
Picturesque Woodberry Hills Colonial w/ 4 BRs, 2 Full Baths, 2 Half Baths. Spacious Foyer, Lrg Kit. w/ eating area, Lrg LR & FR w/ bookshelves. 2 fireplaces. Mud Rm, 1st flr Laundry. Fin Bsmt Rec Rm. Patio, Basketball Ct. Private rear yard backs to woods. Chris Ossont, Assoc. Broker ext. 104
$249,000
$239,900
MLS#1001919
MLS#1003402
117 CLARION DR., WHITESBORO
219 HIGBY RD., NEW HARTFORD
Outstanding Whitesboro Colonial w/ 4 BRs, 2.5 Baths & mostly hdwds. Lrg LR, FR w/ fieplace, Formal DR, Heated Sunrm, Finished Bsmt w/ Rec Rm & office. Many updates. Double deep 255 ft yard. Professionally landscaped w/ perennials. Chris Ossont, Assoc. Broker ext. 104
New Hartford Colonial with 4 Bedrooms, 2.5 Baths. Sauna. Tastefully updated w/ superb décor! Beautiful Stone Exterior. 2 Car Attached Garage. Great Convenient Neighborhood & Location!
$219,900
$218,900
217 RAMBLEWOOD DR., DEERFIELD
ext. 104 MLS#1000658
26 SOUTH HILLS DR., NEW HARTFORD
Large 4 Bedroom Ramblewood Estates Colonial. Open, Bright, Huge Kit.-Eating Area-Family Rm + Fireplace. Lrg LR. Formal DR. Rec Rm. Den/Study. Boiler 5 yrs old. Roof-5 yrs. Sunrm. Covered Porch. Private fenced yard. Great neighborhood. W’boro Schools. Chris Ossont, Assoc. Broker ext. 104
$214,900
Chris Ossont, Assoc. Broker
MLS#1003489
Spacious Ranch with spectacular views, 4 Bedrooms, 2 with bath on suite, 3 1/2 total baths, Liv Rm & Family Rm w/ fireplace. Very flexible floor plan, 2 car attached, 1 car detached. Call 733-0463
$209,000
MLS#1001269
MLS#1002847
34 MEADOWBROOK DR., NEW HARTFORD
96 HARTFORD TERR., NEW HARTFORD
Inviting Ranch with Covered Front Porch, Living Rm w/ firepl., Dining Rm, 2 Bdrms + sm Br/Den on 1st flr, 2 addtl. BRs on lower level. Lrg Family Rm. 2 Stairways. Lrg Garage. Porch. Large Covered Deck.
Pretty 2 or 3 BR, 1.5 Bath Cape in a wonderful New Hartford Village location. Lrg LR w/ hdwds & fireplace. Formal DR. Newer Oak Kitchen. Large Family Rm addition leads to deck. One car attached garage. Chris Ossont, Assoc. Broker ext. 104
Chris Ossont, Assoc. Broker
$169,900
ext. 104
$144,900
MLS#200900573
MLS#1004038
8169 CIDER STREET, ORISKANY
10 FOERY DR. #106, S. UTICA
Excellent 3 BR Ranch in a very good location. Replacement windows throughout. New Kitchen. A beautiful home on a nice lot 115 x 181.
Enjoy a 1 BR Mstr Suite Ranch Condo located in a Historical Utica Landmark. 1.5 Baths. Upscale Contemporary & Meticulous! Move-in Condition, Completely Updated. Cen/Air. Security System. Garage. Must See! Stephen Dellerba ext. 212
Len Pugh, Assoc. Broker
$124,900
ext. 203
$124,900
MLS#1003455
MLS#1003886
Superb Location! Private lot. One floor Ranch Style Home. Approx. 1,000 sq/ft. New Beautiful Bath. New partial roof over garage & 3rd BR. Price reflects home needing TLC. Possibilities for investment property.
Willinette Cohen
Joan Abend, Assoc. Broker
ext. 218
$63,900
MLS#1002334
ext. 216 MLS#1003834
142 COUNTRY RD., SCHUYLER Well cared for mobile home with 2 Bedrooms. Cathedral ceilings and fresh paint. New furnace and hot water tank. This is located in Strawberry Hills Park, a 55+ park. Eugene Primarolo
$16,900
www.prudentialcarucci.com
ext. 128 MLS#1002724
www.Life and Homes .com
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L i f e and H o m e s
$74,900
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6403 MALLORY RD., MARCY
Nice 3 Bedroom Country Home with attached 2 car garage, hardwood floors, replacement windows and a 30 x 40 heater pole barn for the hobbyist or a small business.
January
6622 ROUTE 5, WESTMORELAND
#1 Selling Company in Utica, Rome, and the Mohawk Valley 2306 Genesee Street, Utica, New York
Visit www.CentralNewYork.com for the best local searches!
L i f e and H o m e s
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Central New York
FAITH PROPERTIES
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735-2222
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 .
Sandra Walser
Cindy Lazzaro
JC Pantola
Audrey Johnson
Jenny Carabin
Barb Roberts
Jim Lenahan
Ben Tringo
Bitsy Maye-Rattler Bozena Sroczyk
Susan Martorell
John Brown
Patti Palumbo
Cindy Major
Judy Hinman
Cliff Ganey
Deborah Hapanowicz
Keith Schuderer
Bert McCumber
Derby Family
Kelli Inserra
Diane Lockwood
Linda Peters
Henri Abiyaghi
Lori Hamlin
Ismail Yildirim
Lori Scalise
Jay Groah
Michelle Faga
Marcia Archibald Pauline Nicoterra
Veronica Coe
Rick Rodio
Susan Bradley
Rosemarie Costello Brandon Borowiec
735-8515
Campion-Weeks New Hartford
$349,000
Fabulous, custom 4 bd, 3.5 bath home. Approx 300 s/f, finished basement, FR,DR, loft, great kit, att double gar, inground pool. MLS#1004000 www.Campionweeks.com 735-8515
141 Genesee St., New Hartford www.campionweeks.com Voted Top Residential Real Estate Company
Southeast Utica
$259,900
Gorgeous Dutch Colonial with beautiful cherry kit, solarian breakfast area, DR, FR, study, 5 BRs, 3.5 baths. 3 car gar. Inground pool. MLS#912864 www.Campionweeks.com 735-8515
Sauquoit
$214,900
Well appointed 4 BR, 2.5 bath colonial. Applianced kitchen, DR, FR, HW floors, 2 car garage. MLS#1002191 www.Campionweeks.com 735-8515
New Hartford
Azza Diorgi
Mark Canter
Susan Alberico
Caroline Marino
Sam Vedete
Vera Sadallah
Adeline Griffiths
Alice Donnelly
$219,000
Gracious 4/5 BD split level on quiet cul-desac. FR, DR, 2 full & 2 half baths, 2 car garage. Woodmode kitchen, newer baths. MLS#1002641 www.Campionweeks.com 735-8515
Anne Hameline Anthony Desarro
Brett Lojewski Carla Dochterman
Whitesboro
$279,900
Exceptional, 5 yr old 4 bedroom, 2.5 bath colonial. Stunning kitchen, DR, FR, office. Large deck, double garage. MLS#1003256 www.Campionweeks.com 735-8515
Whitesboro
$159,900
Gorgeous village home. 3 BDs, 1.5 baths, FR, DA. Totally redone. Pool, lge 2 car garage w/ party room & hot tub above. MLS#1002608 www.Campionweeks.com 735-8515
Central New York
Yorkville
$149,900
New Hartford
$234,000
Beautifully maintained 3 BD, 2 bath ranch. DR, FR, 2 car att garage. New roof. Wooded yard. MLS#1003996 www.Campionweeks.com
Yorkville
735-8515
$197,500
Fabulous 1900 s/f ranch with patio overlooking golf course. 3 BDs, 3 baths, FR, DR, attached garage. MLS#1002966 www.Campionweeks.com 735-8515
South Utica
$92,500
Great 5 bedroom ranch with 2.5 baths, DR, FR, 2 car attached garage. NY Mills schools.
Updated 3 bd colonial. Modern kitchen, DR, 1.5 baths. Fenced yard. Garage.
MLS#1003926 www.Campionweeks.com
MLS#1002426 www.Campionweeks.com
South Utica
735-8515
$88,000
Nice 2 story with newer roof & furnace. Formal DR, 1st floor laundry, fenced yard.
735-8515
$79,900
Spacious, vinyl sided 3 bedroom ranch. Sunroom, large kitchen, oversize garage. Many updates. MLS#1001730 www.Campionweeks.com 735-8515
$194,500
Great home with spacious master suite. 3 bedrms, 2.5 baths, DR, fireplace, 2 car att garage. Park-like yard. MLS#1002195 www.Campionweeks.com 735-8515
New Hartford
$149,900
Easy to maintain a 3 bd, 2.5 bath townhouse. FR, freshly painted, all appliances. Garage. Possible owner financing. MLS#1003538 www.Campionweeks.com 735-8515
New York Mills
$119,900
Immaculate, 1 owner 3 BD ranch. Sunroom, attached garage. New carpets, HW floors, full basement. Freshly painted interior. MLS#1003060 www.Campionweeks.com 735-8515
Whitesboro
$69,900
Nicely priced 3 bd village home. DR, den, sunporch. Garage. MLS#1003941 www.Campionweeks.com
735-8515
Barneveld
$149,900
4 bd, 2 bath raised ranch in cul-de-sac. Many updates including kit & baths. New roof, generous back yard. 2 car gar. Owner looking for offers. MLS#1002209 www.Campionweeks.com 735-8515
Rome
$129,900
Immaculate 3 bedroom, 2 bath ranch. Dining area, finished basement. Attached garage. MLS#1003737 www.Campionweeks.com
New Hartford
Carole Owen
Dave Malozzi
Kim Johnson
Linda Cavalier
Linda Kuzniar
Luis Montero
Marilyn Valvo
$148,500
Wonderful, spacious 3 bedroom, 2 bath brick ranch. Updates, FR, attached garage. Westmoreland schools. MLS#1003582 www.Campionweeks.com 735-8515
Whitesboro
Carol Chiarello
MaryBeth Roberts Michael Grassi
735-8515
$89,900
Wonderful farm house with approx 3200 s/f of living space. FR, DR, in-law apt. 4/5 bedrms, 2 baths. 2 car garage. Price Drastically Reduced! MLS#912433 www.Campionweeks.com 735-8515
Pat LoGuidice
Paul Durrigan
Rosemary Nicotera
Ruth Fanelli
Sabrina Arcuri
Tom Conte
Tom Mazzotta
Wade Evans
Jerry Orsaeo
Jonathan Smoulcey
L i f e and H o m e s
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MLS#1001143 www.Campionweeks.com
Whitesboro
735-8515
Whitesboro
East Utica
$62,900
Well maintained 3 family w/ separate utilities. Some updates, parking. Excellent investment. MLS#1001795 www.Campionweeks.com
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735-8515
West Utica
$69,900
East Utica
$65,900
Well maintained 3 bedroom, 1.5 bath home. Large kitchen, DR, Home Warranty.
Spacious, vinyl sided 4 BD, 2 bath home. Updated kit, baths, roof & some windows.
MLS#1002035 www.Campionweeks.com
MLS#1002722 www.Campionweeks.com
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 .
735-8515
735-8515
West Utica
$64,500
Nice 4 BD, 2 bath home. Large LR, DR. Updated windows, siding, roof etc. 2 car garage. MLS#1003535 www.Campionweeks.com
735-8515
January â–
www.Life and Homes .com
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L i f e and H o m e s
MVLS#41784
Kinship Properties Two Locations to Serve You! St. Johnsville, N.Y. 518-568-2776 315-429-9750 NEW! Dolgeville, N.Y. www.KinshipProperties.com
FEATURED PROPERTY
Salisbury
Stratford
$235,000
Fort Plain
Ephratah
$109,900
St. Johnsville
Beautiful acreage (83.5 acres) with 2 streams & 2 ponds, quad trails, barn, Christmas trees, apple tree, 2 stall attached garage. Land goes back to state land, great for hunters, snowmobilers, horse farm. Call Debbie Sicilia 518-495-5770
$185,000
A beautiful single family home in a country setting w/ 3 acres of land, fenced in play area for children and a great view of the valley. Plenty of room, an open floor plan, 2 full baths, skylights and a finished basement. Call Bob Snell 518-321-9897
$495,000
A SNOWMOBILER AND NATURE LOVER’S PARADISE! Previously known as Pine Ridge Ski Area. This magnificent 3bdrm and 1 bath log cabin is located on 200 picturesque acres. Spacious land features open cross country and snowmobile trails that run throughout property and have adjoining trails that you could ride forever. Call Heidi Mouyos 315-717-7269
A beautiful farmhouse, renovated from top to bottom. This home is a Horse Lovers Dream, with 1.8 acres, 595’road frontage, a 2 stall garage with workshop & loft, great hunting, snowmobile/4- wheeler trails close by Call Debbie Sicilia 518-495-5770
$89,900
A beautiful single family home in a nice residential neighborhood. This home offers 3 bedrooms, a large kitchen, an open living room, lots of natural woodwork, replacement windows throughout, a 4-year- old furnace and central air. Call Bob Snell 518-321-9897
From our family to yours we wish youRealtor a Merry Christmas anded Happy New Year. & Certifi Home Stager Cindy K. Lazzaro
Central New York
John Brown’s Team Coldwell Banker Faith Properties 2306 Genesee Street Utica, NY 13502 CK.Lazzaro@gmail.com 315-735-2222x30 Office • 585-317-1056 Cell
Oneida
414 Oxford St.
$134,900
3-4 bedroom home with 2 baths, lovely home recently remodeled within
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Feature Home
last 2-3 years. A great family home with fully fenced back yard that has a great patio, new decking and more. Laundry on first floor. Nice quiet neighborhood
28
Thelma Chase
within walking distance to everything. this says WELCOME HOME like no other!
Associate Broker
Wonderful Family Home Just For You! 4 Bedrooms! Great Location! Call Today!
Don Kingsley Real Estate 315-363-5464 thinkthelma@twcny.rr.com
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 .
mortgageCorner
How To Identify
Mortgage Fraud Activities Mortgage fraud is a word describing a broad variety of criminal activities with the intention to misrepresent or omit data on a mortgage loan application to obtain a loan or a huge loan amount. In the courts, it’s prosecuted as wire fraud, mail fraud, bank fraud and money laundering with up to thirty years imprisonment. Because of the increasing fraud in the past few years, some states have also started to enact their own penalties for this crime. Here are some examples of a mortgage fraud: Undisclosed kickbacks like putting up a deal with a seller to give you cash or a check across the table to get brand new roof and also the lender isn’t aware of it because it’s not disclosed on the purchase contract; addendum or the estimate closing statement, then it is considered as a mortgage fraud. If a borrower without a down payment borrows a down payment from the seller in exchange of giving a seller a silent second mortgage, which is not recorded and hidden from the mortgage lender.
Some dishonest borrowers without an earnest cash deposit can state in the contract that the deposit was paid outside of escrow. Lying on your real estate loan application, even tiny items could constitute a fraud. Nevertheless, many borrowers a hedge a little here and there usually because they do not know better or perhaps even worse, since the real estate professional suggested the idea. If a real estate person approaches you and ask you to be a part of a mortgage fraud scheme, and if you suspect any mortgage fraud, be sure to report it to authorities immediately. Remember that if a deal that sounds too good to be true is possibly a scam.
Furthermore, bear in mind that a mortgage fraud is a prosecutable crime and is against the law. If you have the suspicion that you are being asked to be a part of it or urged to break the law, inform a reputable real estate attorney or the licensing authority in your state before you move forward with your plans. Mortgage fraud is a growing crime rate that’s threatening to hurt land owners, businesses and also the economy as well. Protect your home and its equity and avoid falling victim to fraudulent activities by identifying and knowing the signs of mortgage fraud. Be sure to know how to report fraud to your state or the federal authorities so that they can stop scam artists from preying on innocent people.
Article by Molly Friess Real Estate, Prudential Jack White R.E. (Article provided by Uberarticles)
100% Purchase Money Loans NO Downpayment • NO Monthly PMI Call for Details
Falsifying employment earnings by inflating their income above and beyond the W-2. In other words, intentionally making false entries on income received each month.
Financial Services, Inc. 315-404-5253 Mortgage Originator
Licensed Mortgage Banker • NYS Banking Department
LoWEST
Rates in the Area! 10 Main Street • Suite 200 2nd Floor Whitesboro, NY • HomesteadFinancial.net www.Life and Homes .com
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L i f e and H o m e s
Adam Hearty
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If you have two purchases and send the false contract with the higher value sales to the mortgage lender with the hope of acquiring a better appraisal.
January
Down payment gifts you have to repay. Both parties, the recipient and giver commit loan fraud if the gift is to be repaid since gifts can’t be repaid.
Home Service network
Exclusive Members That Have Shown Exceptional Customer Service
The Missing Pieces to a Hassle-Free Home Heating
Builders ADIRONDACK BUILDERS 315-942-4949 Log Homes, Basements, Custom Kitchens, Member Since 08/09
Additions, Carpentry. General Contracting. Electrical Work. Log Homes, Basements, Custom Kitchens, Additions, Carpentry. General Contracting. Electrical Work.
MOHAWK HOME COMFORT SERVICES 800-432-8669 Heating Oil, Kerosene, Diesel, Gasoline & Member Since 09/07
Member Since 09/07
tion System on the Market.
Energy ENERGY & INSULATION SOLUTIONS 315-285-5074 Serving all of the North Country. From the Member Since 04/10
takes” to ensure that you are thrilled with your new system and energy efficiency.
Home Inspection HOME PRO HOME INSPECTIONS Professional & curteous service -certified & 315-768-6823 315-723-2258 insured. Inspections for buyers & sellers include: Member Since 11/07
Excavating BCS EXCAVATING 315-841-3573 Deansboro • Servicing CNY. Bobcat and mini Member Since 03/06
excavator, Septic, Sewer,Trenching, Posthole Drilling, Demolition
Fireplaces & Stoves THE HEARTH SHOP @ UNIV. BLDG SUPPLY 315-337-3340 CNY’s Source for Warmth! Fireplaces, stoves, 315-732-2350 inserts,logssets - biofuels, gas, pellet or wood. Also Member Since02/08
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TRU-LINE LANE & FLOOR 315-735-5299 High quality dust free floor refinishing. Genera-
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mantles, custom stone work, custom hearths. Free estimates.
Flooring tions of high tech methods, knowledge and hard working values provides a stress free experience.
Furniture IRONWOOD FURNITURE 315-853-7300 Serving CNY. Quality Amish Solid Wood Furniture
30
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Modular Homes NEW HOMES MODULAR CO 315-891-3254 Serving CNY. “The Best Homes at the Best Prices.” Member Since 06/07
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SMITH INSPECTION SERVICES, LLC Serving CNY and the Mohawk Valley. Pre-listing 315-363-8074
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Log Homes
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SHIRE INSPECTION SERVICES, INC Performing quality inspections at a reasonable 315-420-2832 Member Since 01/09
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Insulation
Overhead Doors OVERHEAD DOOR CO. OF UTICA, INC 315-768-7886 Over 50 years combined door experience Member Since 05/10
Stone & Landscaping Products MADDEN CONCRETE & MASONRY SUPPLY 315-724-8111 Retaining Walls, Patios, Mulch & Stone, Fire Pits Member Since 03/08
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with fully trained service tech’s. We offer 24 hr emergency service 7 days a week. Residential or commercial.
& Places, Masonry Tools, Decorative Stone. Call Today For All Your Landscaping Needs.
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Kitchen & Baths EMPIRE BATH & KITCHEN, INC. 315-733-0408 Empire is a locally owned company featuring Member Since 04/08
a complete kitchen & bath showroom. Our cabinet lines include: Omega, Plain N’ Fancy and Armstrong. Let our design team help you with your next project.
TREEN’S POOLS 315-717-6499 Sales • Service • Repairs • Installation • Quality & Member Since 04/09
Dependable Service for 20 Years.
Waterproofing WILCOX BASEMENT SYSTEMS, INC 315-896-3979 Serving All of CNY. Basement & Crawlspace Member Since 03/07
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Laura Minard
4957 Commercial Drive Yorkville NY
768.1680 Ext. 205 525-1974 Cell
New Year New Home New Construction Buckland Estates from $269,900 3 Bed, 2 Bath Ranch $299,900 Under Construction Westmoreland 4 Bed, 2.5 Bath $209,900 affordable
PRICE CHANGE Deerfield $202,900 3 bed 2.5 bath 2 car. Perfect move in condition! Great home for the holidays with quick closing available. Check out this price!
3/4 bedroom 1 bath $44,900 Original, natural woodwork & hardwood floors. Well cared for family home. Monthly payment less than rent!
Colonial Square from $189,900 3 Bed, 2 Bath, 2 Car on full basement! Twin Home ready now! New Year in your New Home! 2 Bed, 2 Bath, 1 Car- Radiant Floor Heat - Twin Home! 3 Bed, 2 Bath, 2 Car Detached Home full of luxury features. Must see if you want amazing!
Colonial Square Nearly Complete!
Buckland Estates Colonial Square
Colonial Square Newest Model Open!
Under Construction!
Colonial Square Single Family!
For more information on these and other homes in the area go to www.LauraMinard.com or email lauraminard@cbpp.com
Serving the Mohawk Valley Since 1976
732-3113 2617 Genesee Street
Utica, NY 13501 www.century21.com
Mulholland Rd • Vienna • $349,999
Maxwell Rd • Kirkland • $350,000
MLS 1001246 - 613 N Madison Street, Rome $129,900 MLS: 1003088 - 454 Tamarack Street, North Utica $124,900 MLS 1003494 - 9614 Morgan Road, Clayville $108,900
Round Barn Rd • Holland Patent • $109,500
2007 Manufactured home is 28x68 and features 3 bedrooms, 2 baths, wood burning fireplace and is on 6.33 acres in a nice country setting. Holland Patent school district and convenient to Utica, Rome or Marcy! MLS: 1003555
MlS: 1003309 - 38 Cove Road, Lee MLS 1000722 - 5645 Ottman $19,900 Road, Vernon $155,000 MLS: 200701540 - Paris Road, New 1MLS 910952- 5302 Brown Road, Hartford $79,900 Verona $495,000 MLS 200702937 - Ives Road, Marcy 1MLS 1002673 - 1315 Oswego $25,000 Street, West Utica $44,900
Briarcliff Ave • North Utica • $99,900 Ranch home in extra nice condition! Updated kitchen and bathroom, three bedrooms, one bath,expanded living area, eat in kitchen,maintenence free exterior, storage shed and manicured yard! Utica school district. MLS: 1003179
MLS: 1003611 - Doyle Road, Deerfield $30,000 MLS: 1003126 - Doyle Road, Brookfield $19,500 MLS: 1003692 - McGraw Road, Schuyler $160,000
www.Life and Homes .com
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MLS: 200801201 - 825 Albro Road - Hamilton $189,500 MLS 1002567 - 3300 Route 20 & 46, Bouckville $167,500 MLS: 1002415 - 521 Doe Road, Bridgewater $189,500
Crooked Brook Rd • Deerfield • $289,900
This home features a geo thermal forced air heating system with central air. Kitchen with island, oak cabinets, silestone counters & ge appliances. Stone fireplace burns wood, jacuzzi in master bath. Attached 3 car garage, chain link fenced yard on 11.6 Acres in Whitesboro school district MLS: 1000366
Broker/Owner
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Owner’s been here over 60 years, house needs cosmetic updating 38x40 post & beam barn built 1840 40x80 steel barn mature yard quiet rural setting 100+ acres tillable some heavy woodlots open meadows views spectacular property is suited to subdivide large parcels for upscale homes in country setting MLS: 1002395
Art VanVechten
January
New construction 2006. Quality workmanship and tastefully done. Oak kitchen, Amana appliances, cathedral foyer, 16x20 deck and 24x30 heated a/c garage with 9 doors. Large seeded lawn area and comfortable set back from street for privacy. Convenient to Utica/ Rome, Syracuse Oneida Lake. MLS: 200702688
Jon Purdy Bill Gamett Dick Nikodem Mary Taylor Kathy Maine Tiffany Accattato
Laura Minard
Licensed Real Estate Salesperson
Twin Home Prices from $189,900
315-768-1680 Ext 205 OfďŹ ce 315-525-1974 Cell Lauraminard@cbpp.com
www.ColonialSquareTwinHomes.com
$299,900
Come to an
Open Ho use Call L aura for S howing
Buckland Estates
Competitive Pricing North Utica
QSN#33997
Central New York
2 bedroom, 2 bath town home with granite countertops, central air-conditioning, and a 12x12 back deck, with the other half of the town home still available for sale in which the home buyer can upgrade to their personal preference and satisfaction.
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$209,900
Marcy
BUCKLAND ESTATES
Westmoreland North Utica
$299,900
Brand new beautiful one story home with a full basement, stone entry, hardwood floors, two stall garage, whirlpool tub, gourmet kitchen, spray foam insulation, and energy star windows.
QSN#42170
New Construction in desirable Westmoreland location. 4 bedroom, 3 baths, 2300 sq ft, attached 2 car garage.
To See the Progress of the Homes Pictured Above, Log On to www.LifeandHomes.com and type in the QSN#.
105 Main Street Whitesboro, NY 32
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 .
$239,900
Marcy
NEW CONSTRUCTION
$319,900
North Utica
NEW CONSTRUCTION
$219,900
315.736.0865
stevebuck@buckconstruction.net