Life and Homes Central New York

Central NY

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February

2011

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Happy House Hunting

Life and

Homes

House hunting has come a long way since my bride and I went looking for our first house. It really wasn’t that many years ago, yet there was no online searching and we were limited to trolling through newspapers and strolling down sidewalks looking for “the” house.

We saw some duds to be sure. Most memorable was the house where water from the upstairs shower ran down the basement wall like a waterfall. Best part was the homeowner who acted like that was no big deal. Yikes, and no thanks. After a good dose of reality and plenty of ups and downs, we finally found a place to call home. That humble home sure seemed like a castle to us.

Oneida County NY, Edition

Published By LISI MERCHANT SOLUTIONS, INC. 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

The feeling of awe and excitement we felt when handed the keys to our new home is something we’ve never forgotten. Our goal at LifeandHomes™ is to assist you in your quest toward homeownership so you can experience that same feeling.

House hunting is easier than ever. We’ve loaded up this issue with some prime real estate deals from Realtors, For Sale by Owners, Investors and Developers - along with information on local businesses who can help with your real estate related needs. Be sure to visit us online at www.LifeandHomes.com for additional property information and to see even more local listings.

Central NY is a great place to call home and LifeandHomes™ is the ideal place to find that home. We’d like nothing more than to welcome you to your new home this year.

i David P. Lis

Central New York

Home Shopper to

Home Buyer

L i f e and H o m e s

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with an FHA Loan from Bank of America.

See our ad on page 33 Bank of America Home Loans • Free Pre-Approval •

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Equal Housing Lender • Member FDIC

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 .

Kim@LifeandHomes.com (Please do not send attachments)

Or send to: LifeandHomes Magazine PO Box 18 Holland Patent, NY 13354

Account Executive DAVID P. LISI 315-865-5845 david@dslisi.com

Premier Mortgage Sponsor Salesperson D avid P. Lisi 865-5845 Regional/National Account Executive: Rob Thrasher 315-941-3452

rob.thrasher@gmail.com

Distribution 315-865-7418

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How to Reach Us Press Releases or Letters to the Editor Our e-mail address is

CYBERVILLAGE cybervillage.com

100% Purchase Money Loans

Advertising Deadline

NO Downpayment NO Monthly PMI

www.LifeandHomes.com

Call for Details

See our ad on page 35

Financial Services, Inc. Licensed Mortgage Banker • NYS Banking Department 10 Main Street • Suite 200 2nd Floor Whitesboro, NY • HomesteadFinancial.net

March Issue February 18, 2011

Corporate Office

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

315-865-5845 Fax 1-315-865-7418 For franchise information call, 315-865-5845 LifeandHomes is published monthly by Lisi Merchant Solutions, Inc. Every effort has been made to ensure that home listings, advertisements and information are free of errors or omissions.

The publisher does not guarantee the accuracy of the submitted information to Life and Homes Magazine and assumes no liability.

This information has been compiled from public records and other sources we believe to be reliable, but we make no guarantee with respect to its accuracy or completeness or the absence of restrictions on use and are not responsible for any liability, loss, or risk that subscribers may incur, directly or indirectly, from using the contents of this site.

Copyright © 2011 Lisi Merchant Solutions, Inc.

New Tool for Struggling Homeowners

Fannie Mae recently launched WaysHome, a free, interactive multi-media tool designed to educate homeowners about their options to avoid foreclosure, empower them to make informed decisions and motivate them to take action and seek help in 2011. As part of Fannie Mae's "Know Your Options" initiative to help struggling homeowners, the WaysHome video uses innovative technology to allow homeowners to put themselves in real-life situations, make informed choices and immediately see the outcomes of those actions. WaysHome is available at www.KnowYourOptions.com.

US Gov Pays

7.5 Million

In Rental Assistance U.S. Housing and Urban Development (HUD) and Health and Human Services (HHS) announced a joint partnership between the two agencies to help nearly 1,000 non-elderly Americans with disabilities leave nursing homes or other healthcare facilities to live independently.

This is the first time two federal agencies are offering a combination of rental assistance, health care and other supportive services targeted to this population.

Single Ladies Top

• Frugal habits pay off in the long run—Thirtyfive percent of single female homebuyers in 2010 cited cutting spending on luxury and nonessential items as a sacrifice they made toward saving for their home (NAR Report 2010).

Almost twice as many single women (20 percent) are buying homes than single men (12 percent), according to the National Association of Realtors (NAR). The reason? Because they can.

• Know what you’ll be paying for—If you’re used to renting and having a landlord cover costs of standard yard and home maintenance, you’ll need to anticipate new expenses, such as landscaping and garbage removal. Use a mortgage calculator tool like the one at www.century21.com to calculate your monthly payments. Knowing these costs up front will allow you to set a realistic budget for your first year of homeownership.

The Home Buying Charts

Even in the midst of a challenging economy, women are poised for success. It’s the first time women make up more than 50 percent of the workforce.

Recent research by the U.S. Department of Education’s National Center for Education Statistics showed women earn 58 percent of all college degrees. These members of the workforce are earning significant salaries and want to build their wealth and security through homeownership.

• Talk to an expert—Combine advice from friends and family with that of a trained professional. “Achieving the American dream of homeownership continues to be a worthy goal,” said Rick Davidson, president and CEO, Century 21 Real Estate. “I encourage all potential homebuyers to speak with a qualified real estate professional.”

For more information on Century21 visit www.century21.com. (NAPSI)

A Sign of the Times As recently as the 1970s, it was challenging for a woman to get a mortgage or even a credit card. Now, modern credit companies don’t discriminate against gender and the overall acceptance of women staking their claim as equals among men in the workplace (both in pay and skill) has contributed to a spike in home-buying among today’s single women.

According to Bev Thorne, chief marketing officer for Century 21 Real Estate LLC, these tips will help female home-buyers:

of LifeandHomes

Don’t miss that Special Home you’ve been looking for.

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L i f e and H o m e s

Free Delivery

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• Make a list of what’s important to you—Focus your search on finding a property that will meet your needs today and in the future. Fifty-one percent of single female homebuyers in 2010 said proximity and convenience to their job was most important in terms of location (NAR Report 2010).

Existing-home sales are projected to rise about 8 percent to 5.2 million in 2011 from 4.8 million in 2010, with an additional gain of 4 percent in 2012. The median existing-home price could rise 0.6 percent to $173,700 in 2011 from $172,700 in 2010, which was essentially unchanged from 2009. (Realtor.org)

February

HUD is providing $7.5 million in rental assistance vouchers that will help nearly 1,000 individuals with disabilities rent private apartments.

Public housing authorities in 15 states will administer the rental subsidies and will work with state human service agencies to identify eligible individuals who could benefit from the program. For a local breakdown of the funding, visit HUD.Gov.

newsShorts

New Flood Insurance Option From FEMA There may be good news for residents and business owners in locations recently designated as high-risk flood areas.

Starting in 2011, the Federal Emergency Management Agency’s (FEMA’s) low-cost insurance policy may be available to help them save on flood protection.

Flood risks are dynamic and change over time due to a variety of factors, including changes in the natural landscape, the impacts of land use and development, and the condition of flood control structures such as levees.

Since mandated by Congress in 2003, a multi-year effort has been underway to update the nation’s flood maps to reflect these changes. The new maps are providing more accurate information about where flooding is most likely to occur. As a result, many property owners are finding that their risk has changed and they may now be required to purchase flood insurance. Fortunately, FEMA understands the financial burden this may place on some property owners and is expanding eligibility for its popular lower-cost flood insurance policy.

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Central New York

Beginning January 1, 2011, a new insurance rating option from FEMA’s National Flood Insurance Program (NFIP) allows many property owners who previously didn’t qualify, to take advantage of the low-cost insurance for two years before they are required to pay standard rates.

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newsShorts insurance protection. But we recognize the challenge of additional expenses in the current economy. This new option provides time for residents to adjust to the higher risk level-and continue their flood coverage at a more affordable rate,” said Edward L. Connor, Acting Federal Insurance and Mitigation Administrator.

Policyholders who believe they may qualify should contact their insurance agent for further details. After two years at the reduced PRP rates, policies will increase to standard rates. However, there are other options to reduce cost, including a grandfathering provision, use of elevation ratings and higher deductible policies.

To learn more, visit http://www.floodsmart.gov/ floodsmart/pages/flooding_flood_risks/prp_extension_for_property_owners.jsp or call (800) 427-4661. (NAPSI)

Owning A Home Can Pay Dividends

There are many good reasons to become a homeowner. In addition to the social benefits, the feeling of autonomy and sense of community investment, there are the tax benefits.

One major tax benefit is the mortgage interest deduction (MID). The MID has been part of the federal tax code since 1913 and helps families offset the cost of homeownership.

The program will make Preferred Risk Policies (PRPs), which start at just $129 a year, available for properties that have been newly mapped into high-risk areas due to a flood map revision on or after October 1, 2008.

The ability to deduct the interest paid on a mortgage can translate into significant savings come tax time. For example, a family who bought a home this year with a $200,000, 30year, fixed-rate mortgage, assuming an interest rate of 4.5 percent, could save nearly $3,500 in federal taxes when they file next year.

“Floods are the nation’s most costly and frequent natural disaster and those who are now in the highest risk areas really must have flood

“In today’s market, eight out of 10 home buyers must borrow money to buy a home,” said National Association of Realtors® chief economist,

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 .

Lawrence Yun. “For aspiring homeowners who don’t have hundreds of thousands of dollars in savings to buy a home outright, tax benefits like the mortgage interest deduction help them begin building their future through homeownership.”

Of the taxpayers who itemize deductions, 80 percent utilize this benefit. This is true for people of all income levels. According to the most recent IRS tax return data available, 65 percent of the families who claim this deduction earn less than $100,000 per year.

“People who benefit most from the MID are first-time home buyers and younger homeowners,” said Yun. “These families can use the money they save to build their emergency fund, apply it toward their children’s future education or help them improve the quality of their lives right now. That’s just one of the ways owning a home can pay dividends.”

For more information about the deduction and other tax benefits of owning a home, visit www. houselogic.com.

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Richard Parent Licensed Sales Associate 4957 Commercial Drive Yorkville, NY 13495

315.768.1680 x 203 homes@richardparent.com

FREE Daily Customized Home Searches - Right to Your Inbox!

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Contact me or visit my website for Exciting Details!

Constableville

$598,000 Russia

$269,900 Columbia

$254,900

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

$129,900 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

www.Life and Homes .com

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L i f e and H o m e s

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

February

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 CANASTOTA

6952 Forbes Rd. - 3 bdrm., 4-years-young Contemporary, 2 1/2 baths, 2,200+ sq. ft., 1+ acre, fireplace, hardwoods. $315,000 7345 Willow Acres Rd - 4 bdrms, 2 baths, 2300 sq. ft, many updates. $147,900

CHADWICKS

3281 Oneida St. - 3 bdrms., 1 1/2 baths, 1,500+ sq. ft., hardwoods, Sauquoit Schools. $129,900

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 - 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. - Two family. Separate utilities. $39,900 518-520 Nichols St. - Three Unit! Updated baths. $49,900 1618 Dudley Ave. - 3 bdrm. flats, great income. $33,900 624 Blandina St - JUST lISTeD - Two Unit! Separate Utilities. $64,000 904 Third Ave - Two unit! newer furnace and windows. $41,900 517 Bacon St - JUST lISTeD - Three unit.

Garage! $65,900

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 - land and lakes Development!

5 acres. $29,900

Central New York 6

128 Clinton Rd. - 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

HINCKLEY LAKE

9363 Mallory Rd - JUST lISTeD - 4 bdrms, 2 baths, 2800+ sq ft, Ranch, fireplaces, hardwoods, deck. $249,900 1 Norwood Rd - JUST lISTeD - 3 bdrm, Ranch, 2 baths, updated kitchen, hardwoods, central air, great lot. $144,900 10 Estates - JUST lISTeD - 2 bdrm, Townhouse, 2100+ sq ft, 2½ baths, fireplace, master suite. $279,900

NEWPORT

224 MacArthur Rd. - Waterfront!

4 bdrms., 2 baths, 2,000 sq. ft., open floor plan, fireplace, 19 acres. $269,900

863 Honey Hill Rd. - PRICe ReDUCeD - 3 bdrm. log home, 1,200+ sq. ft., fireplace, 1+ acre. $140,000 3116 School St. - 4 bdrms., 2 baths, 2,500+ sq. ft., deck, newer windows. $79,900

ILION

53 W. River St. - 3 bdrms., updated kitchen, hardwoods, deck. $75,000

SAUQUOIT

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 - 4 bdrms, 2 ½ baths, 2000 sq. ft, hardwoods, master suite, deck. $189,900

ReDUCeD - 3 unit. Many Johnson Road - Private 9+ acres.

Frankfort-Schuyler schools. $16,000 updates. $119,900 41 Louis Rd - land and lakes Development! 11 Prime acres. $44,900 NORTH

8609 Turin Rd. - 3 bdrm. ranch. $84,900

UTICA

617 Cosby Rd. - 3 bdrm. ranch, 2 baths, hardwoods, fireplace. $119,900 417 Elmhurst Rd. - 3 bdrm. Ranch, new roof, windows and siding. $84,900 159 Wilbur St. - 3 bdrms., hardwoods, cherry kitchen, corner lot. $72,900

LITTLE FALLS

57 Woodside Ave. - 4 bdrms., 1 full, 2 half baths, formal dining room, corner lot. $94,900

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 .

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 - 2 bdrm, Ranch, oak kitchen. $69,900

NEW YORK MILLS 3-5 Wetmore St. - PRICe SCHUYLER

LEE

112 Danberry Circle - 3 bdrms., 3 1/2 baths, fireplaces, cathedral ceilings, “3” car garage. $449,900 7 Christopher Circle - 3 bdrms., 2 1/2 baths, 2,100+ sq. ft., fireplace, hardwoods, FLOYD updated kitchen and baths.

8158 River Rd. - 4 bdrms., 2 1/2 baths, 2,300+ sq. ft., Oriskany Schools. $124,900 $199,900 38 Janet Terrace - 4 bdrms., 7733 Starlane Dr. N - JUST lISTeD - 4 bdrms, 1600 sq. ft, new roof, furnace and 3 baths, 2,700 sq. ft., flexible floor plan, newer furnace deck. $104,900 and windows. $199,000 2 Twyndom Terrace - PRICe ReDUCeD -5 FORESTPORT 11821 Woodhull Rd. - Fully established bdrm. ranch, 2 1/2 baths, 2,100+ sq. ft., fireplace, newer roof and windows. $149,900 commercial property. 5,000+ sq. ft., 5+ 98 New Hartford St. - 3 bdrm. ranch, 2 acres. Retail store, plenty of parking, baths, 1,800 sq. ft., fireplace, new kitchen. lodging and a leased barn. $319,000 $154,900 10 Bohling Rd. - Village ranch! 3 bdrms., FRANKFORT 107 Sunflower Circle - 3 bdrm., 7-year-old 2 baths, family room, hardwoods, fenced Colonial, 2 1/2 baths, 2,000 sq. ft., fireplace. yard. $109,900 $239,900

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L i f e and H o m e s

HERKIMER

ORISKANY

6 Wilbur Rd - 2 bdrms, open floor plan, deck. $74,900 Chestnut Dr - Chestnut hills Building lot. $32,400 1434 Graffenburg Rd - JUST lISTeD - 4 bdrm, 2½ baths, 2200 sq ft, Colonial, updated kitchen & roof. $224,900 43 Irving Rd - JUST lISTeD - affordable new hartford home! 1 bdrm, eat-in kitchen. $44,900

2100 Genesee St. - Commercial opportunity. 2,700 sq. ft., renovated 1st floor, new windows. $179,900 2 Arlington Terrace - 3 bdrm. Ranch, 2 baths, hardwoods, finished basement. $109,900 827 Rose Pl. - 2 family! Separate utilities. $79,900

VERONA

5600 E. Main St. - Prime commercial acreage! 2+ acres. Frontage on Rt. 365. $159,000

Rt. 69/Thomas Rd. - Subdivided 12+ acres. $95,000 111 Park Ave - 4 bdrms, 2 baths, 1800+ sq. ft, updated kitchen, new windows, deck. $139,900

WEST TURIN

REMSEN

WEST UTICA

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

ROME

SOUTH UTICA

3091 Schibley Rd. - 260 acres! Remodeled 5 bdrm., 4 baths, 3,600 sq. ft., vaulted ceilings, rolling meadows and ponds, incredible views. $550,000

1223 Butternut St. - 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

7988 Northwood Dr. - 4 bdrms., 3 baths, 2,000+ sq. ft., fireplace, deck, newer roof. YORKVILLE 6 Trinity Ave. - PRICe ReDUCeD! 2 bdrms., $134,900 6343 Pillmore Dr. - 3 bdrm. ranch, 1,200 hardwoods, formal dining. $64,900

Kay Delano Real Estate

Kay Delano Suzanne Fellows Bonnie (Legg) Mahon Broker

Sales Agent

315.868.6514

315.404.7513

Sales Agent “Back in the Valley”

315.867.4879

Railroad St, Poland, NY • 315-826-7070 New Kayuta Lake Subdivision, Remsen

Excellent Opportunity to build your new home or cabin on beautiful Kayuta Lake.

New Roads have been built. All properties have been surveyed and perked. All lots are wooded. Gorgeous views of the lake! $35,000 6 Lake access lots. Ranging from 1-2 acres. All lake access lots will have deeded rights to the lake. A new lake access road has been built.

Docks will be provided. $55,000 Lakefront lot. 45 ft on the water. Largest lot at 2.2 acres. $95,000 2 Lakefront lots. 300-350 ft water frontage. $120,000 Beach, 400 ft lakefront lot. Drilled well.

LITTLE FALLS PROPERTIES $64,000 4.2 Acres, open fields w/ million dollar views. Route 170. Near trails. $57,900 29.4 Acres, 360° views of everywhere!

Excellent spot for your new home. Rt 170. $54,900 High street, dead end, private.

Large 4 bdrm home, parking. Priced to sell! $249,000 Nulls Rd, 4 Bdrm new contemporary on 20+ acres. Custom built, 2 stall attached garage, 1 stall garage in basement, in-law apt. Gorgeous home & property. $39,000 Herkimer Prospect Street, 5 br home, hardwood floors, new windows, roof, water tank and furnace. Currently renting to students from HCC. Large profit number. Excellent investment or affordable home.

$49,900 Poland, 3 BR doublewide, fireplace and shed in excellent condition.

50+ development. $151,000 Newport, cute cabin on 66 acres, wooded, fields, views. Excellent hunting and sledding location. $169,000 Sacandaga Lake, beautiful log cabin, lake access lot with the best views of the lake. Great fishing, boating and sledding. $185,000 East Springfield, 1793 center hall colonial, 4 bedrooms, 5 fireplaces, 3 baths, just gorgeous. Would make a beautiful home or bed-n-breakfast. 10 minutes to Cooperstown and Canadarago Lake.

Call Kay at 315.868.6514 for more details and to schedule a private showing.

Utica

$106,900

6 Unit Apartment Building- Investors Alert!

4 year return Investment property. Very nice units, all rented, building needs nothing but a new owner. Coin operated laundry. 3 Stall garage, plenty of parking. Excellent numbers, $25,000 Profit per year. Call for more details.

Ohio

$109,000

Rt 8 - Gorgeous home on 1.3 acres. 3 Bedrooms, new kitchen, master br on 1st floor, new bath, enclosed front porch, patio.

Full basement, all utilities up to date, needs nothing. Metal roof, vinyl siding & windows.

Very well maintained home. Detached garage. Close to trails. Poland schools.

Stratford

$112,000

Avery Rd - Beautiful country home on 10 acres. 3 Bedroom ranch, enclosed porch, inlaw apt in basement. New roof. Huge 2 story, 2 stall garage, shed. Stream running through property. In the heart of snowmobiling and hunting country. Must sell, make offer.

INNOVATIVE CUSTOM HOMES

Poland

$174,900

Main St - Classic 5 Bedrm Victorian. Originial woodwork, HW floors, FP, French Doors, Built-ins, just a gorgeous historical home.

Front & back porches. 6 Stall garage w/ loft plus 1 stall garage. Family owned for decades, time to sell. Call Bonnie to schedule your showing - 315.867.4879

LAND LISTINGS $24,900 Ohio, 10 Wooded Acres, not logged-needs to be! Private location, close to trails and state land. Owner financing is available. Great spot for your cabin or camper. $25,000 Ohio, 10 Wooded acres. Ready for new home. Close to trails. $37,900 Norway, 16 Acres w/ great views. Stream running through property.

Borders approx. 360 acres of state land on South & East. Great hunting! $59,000 Ohio, 40 Wooded acres. Private, trails & streams. $29,000 New Hartford,1.5 Acres. Valley View Rd. Excellent building location. $10,000 Russia Silverstone Rd, 1.3 Acres, stream. Great spot near 4 lakes & trails.

Cold Brook

$50,000

Main St - TWO HOUSES! MUST SELL! Both must go! Green home is a nice 3 Br Ranch w/ large kitchen & carport. White home is a 3 Br home in need of repair. Garage w/ loft, large yard, creek running behind property. Excellent rental opportunity for the right price!

Walk thru our homes from the comfort of your home at

icustomhomes.com or innovativecustomhomes.com

Top Quality Homes, Built to Your Specifications.

With more than forty years experience in quality residential construction, Innovative Custom Homes offers:

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L i f e and H o m e s

>> Energy Star approved efficiency options.

Money Isn’t All You’re Saving

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>> The area’s best craftspeople and suppliers.

February

>> Hands-on, personal attention to your project.

newsShorts

AAA Offers Ways to Save Money on Gas With the national average price of gasoline on the rise, AAA offers these tips for drivers to save money on fuel: Be gentle on the gas and brake pedals - Instead of making quick starts and sudden stops, go easy on the gas and brake pedals. The U.S. Department of Energy reports aggressive driving can lower a car's fuel economy by up to 33 percent.

Drive the speed limit- Slowing down to observe the speed limit not only can conserve fuel but also avoid a speeding ticket. The U.S. Department of Energy reports that each 5 mph driven over 60 mph is like paying an additional $0.24 per gallon for gas.

Properly inflate tires - Only 17 percent of cars have all four tires properly inflated, yet the U.S. Department of Energy reports that proper tire inflation can improve fuel economy by up to three percent. It's important not only to check tire pressures at least once a month, but also make sure it's done correctly. Check the pressures when the tires are cold and have not been driven on recently. Tires should be inflated to pressure levels recommended by the vehicle manufacturer, NOT the pressure levels stamped on the tire sidewall. The proper pressure levels can be found on a sticker on the driver's side door jamb or in the owner's manual.

Central New York

Plan errands in advance - Try to combine multiple tasks into one trip. Several short trips starting with a cold engine each time can use twice as much gas as a longer multipurpose trip covering the same distance when the engine is warm. Also, plan the route in advance to drive the fewest miles.

Keep up-to-date on vehicle maintenance Keeping a car running properly helps achieve

Let AAA find lowest gas prices - Drivers equipped with the AAA TripTik Mobile iPhone 8

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

As North America's largest motoring and leisure travel organization, AAA provides more than 52 million members with travel, insurance, financial and automotive-related services. AAA clubs can be visited on the Internet at AAA.com. (PRNewswire)

FREE

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MUSIC Alicia Keys Billy Joel Fleetwood Mac James Taylor The Beatles Mariah Carey Amy Grant Bon Jovi Aerosmith Carie Underwood and more of your favorites

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Keep luggage off the roof - Try to avoid using a car's roof rack to transport luggage or other equipment—especially over long distances on the highway. A loaded roof rack affects the vehicle aerodynamics and creates extra drag that reduces fuel economy.

■

L i f e and H o m e s

application can find the lowest gas prices close to home or on the road. Using AAA TripTik Mobile, the first free app offering frequently updated gas prices, motorists can compare fuel costs at stations near to their location or in a specified area. AAA also provides gas station location and fuel price information at AAA.com with the online TripTik Travel Planner.

maximum fuel economy. Be sure to follow the vehicle manufacturer's recommended maintenance schedule, and do not ignore vehicle warning lights that indicate something is wrong. Warning lights can signal problems that will greatly decrease a car's fuel efficiency. To help motorists find reliable, high-quality vehicle service, AAA has inspected and approved nearly 8,000 auto repair shops across the country. To locate a nearby AAA Approved Auto Repair facility, visit AAA. com/repair.

• Home Business Show - Successful entrepreneurs working from home • Home improvements Show - Design and technology that enhances our lives • Home Buying and Selling Show - Tip and tricks for a difficult real estate market • Lifestyles at Home - Birthdays, Holidays and Special Events

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listen live or log On anytime at www.lifeandhomes.com - Click on Talk Radio

Clinton

$599,500

Newly constructed grand home with 4 bedrooms, study with fireplace, deluxe kitchen, fine quality throughout.

Rome

$249,900

Meticulous and spacious home with spectacular surroundings.

Soaring ceilings, huge family room, beautiful kitchen. Fabulous!

Little Falls

$348,500

Limestone house and barn in 5 acres with gorgeous views.

Beautiful hardwood floors and huge eat in kitchen.

Sauquoit

$219,000

Updated farmhouse with new kitchen. Detached garage, barn and guesthouse with acreage and view.

Beautifully landscaped.

New Hartford

$299,000

Sneak Preview! This handsome townhouse is nearly ready to be built. High efficiency & low maintenance. Call me for details.

Rome

$209,000

Gorgeous new family room addition with fireplace and wall of glass.

Beautifully updated kitchen, hardwoods, sunroom and private yard.

Marcy

$299,000

Marcy

$289,000

Marcy

$289,000

Now under construction! Two-story entry, spacious eat-in kitchen with island, stunning great room and 4 bedrooms.

Under Construction! Fabulous 4 bedroom home with 2-story foyer, hardwoods, fireplace, cherry kitchen, master suite. Choose your colors!

New construction! Excellent floor plan, hardwood floors, granite counters, stainless steel appliances, 4 bedrooms.

Clinton

New Hartford $149,000

New Hartford $127,500

Spacious ranch with 4 bedrooms and 2 full baths. Oversized family room with fireplace and beautiful screened porch.

Cape style home with 4 bedrooms, hardwood floors, newer kitchen cabinets and appliances, den addition and fenced yard.

$184,900

Spacious ranch with hardwood floors, cathedral ceiling, built-in bookcases, gas fireplace in family room, new carpeting.

February ■

www.Life and Homes .com

9

L i f e and H o m e s

#1 Coldwell Banker in New York State Open House

Coldwell Banker Prime Properties welcomes

February 20 • 2pm - 4pm

Cynthia (Cyndi) Koch

New Hartford 221 Fairway Drive

to our staff of full-time agents.

Cross country ski (golf) in your backyard! Lovely L shaped ranch with New

Cyndi can be reached at

York Mills Schools. Many updates! Call

316-3126 (cell) or 768-1680 ext. 214 (office).

Marcy

$389,900

Newly constructed Energy Star home featuring 4 bedrooms and 2.5 baths. Cherry kitchen, hardwood floors and gas fireplace. Located on corner lot with views.

Gaetano Belmonte

Central New York

Barneveld

$249,900

2 homes for the price of one! Stunning 5 BR updated Victorian, 9.6 acres, additional 2 family home, just off Putnam Rd. Richard Parent Ext. 202

$279,900

Little Falls

$234,000

Brick Federal style home featuring 4 bedrooms, 2 full baths and 4 fireplaces. This 3385 sqft. home has been meticulously restored.

Gaetano Belmonte Ext. 202

Lorene Prenderville

Clinton

$262,500

Eat-in kitchen with spacious breakfast bar & new appliances, 4 generous size bedrooms 3.5 baths. Inground pool, new landscaping, updates galore!

Judie DeCosty Ext. 201

Remsen

$219,900

What a stunning setting! Well maintained Cape set on 15 plus beautiful acres.

First floor master, 3 additional bedrooms, 2 full baths.

Jodie DeCosty Ext. 201

Sauquoit

$250,000

35 acres & incredible views! 2,152 sq/ ft 4 bedroom farmhouse, beautiful open kitchen, riding trails, horse paddocks, outbuildings & more.

Richard Parent Ext. 203

Sauquoit

$219,000

Picture perfect! Updated farmhouse with all the character. Newer addition with new kitchen. Beautifully landscaped on 7 acres plus additional lot.

Gaetano Belmonte Ext. 202

Rome

Whitesboro $179,500 130 Westmoreland Move right into this pristine property!

Located on 1.5 acres! Modern kitchen offers wonderful work space and great storage. Family room with fireplace, large master suite w/whirlpool tub.

Debbie Roberts Ext. 239

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 .

$249,900

Deerfield

$199,500

3 bedroom 2.5 bath in mint condition.

Incredible for $199,900.

Laura Minard

4957 Commercial Drive Yorkville NY

Call 768.1680 10

Ext. 213

This spacious home boasts soaring ceilings, large windows, hardwood floors and fireplace. Beautifully landscaped, bordering country club.

Gaetano Belmonte Ext. 202

Featured Home

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L i f e and H o m e s

Ext. 202

Marcy

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

Lorene at 894-1235/868-3330.

Ext. 205

Utica

$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

Waterville

$129,900

Newer built mint ranch! Oak kitchen, efficient 2 zone heating, garage & work shop, convenient 1 acre rural setting.

Richard Parent

Clinton

Ext. 203

$99,900

$184,900

Utica

$129,000

Great 3 car garage goes with this 3 bedroom 1 bath home on corner lot.

Freshly painted interior, updated bath, new carpeting.

Pat Townsend Ext. 218

Clark Mills

$79,900

Three bedrooms & one bath with hardwoods, new furnace, hot water heater and some updates. Nice 2 story home in great school district!!!

Pat Townsend Ext. 218

New Hartford

$179,500

What a beautiful ranch plus an apartment for extra income. Zoning also has perks for small business. A lot of updates…meticulous!

Gloria Rocci Ext. 217

Oriskany

$114,000

Large comfy home with in-law or income apt., 3 bed 1 BA/main flr. and apt. has 1 BR, 1 full 1 half bath. Could be a single family or anything you care to make it.

Laura Minard Ext. 205

Utica

$74,000

Strong curb appeal in this large E. Utica 2 family home, let your rent pay your mortgage! Separate utilities, each unit offers 3 BRs. Call for more details.

Richard Parent Ext. 203

Lee

$160,000

Spacious 3BR/2BA raised ranch. Updates: hardwoods & laminate floors, updated baths, new range & dishwasher. Generous lot w/ in-ground pool & shed!

Laura Minard Ext. 205

New Hartford

$104,900

Reduced! Why wait until spring?

Located off Paris Road; you will enjoy the private park like setting of this 3 bedroom Cape Cod. Lisa Filletti Ext. 206

Bridgewater

$70,000

Cozy, Comfortable & Convenient describes this property. Eat-in kit w/plenty of cupboard space & new linoleum. 2nd flr attic space offers expansion possibilities.

Debbie Roberts Ext. 239

Utica

$154,500

Great property! Could easily be converted back to a single family. Tenant on second floor, $650 per month, leased thru 5/31/11.

Gloria Rocci

Ext. 217

Whitestown

$102,900

Updates & Upgraded 2-3 bedroom ranch. Enlarged master w/walk-in closet.

Bath w/Jacuzzi tub, infrared sauna! Call Pat for a list of upgrades, 272-9434.

Pat Townsend Ext. 218

Utica

$29,000

Handy man special. Needs 1st floor windows, plumbing & heating elements.

1st flr has Rochester type flrs & 2 fireplaces. Being sold as is as seen.

Pat Townsend Ext. 218

February

Move right into this Clinton charmer!

Character throughout, LR, DR, country kitchen, 1st flr laundry, newer bathroom, 3 bdr, sun & side porch. Call for updates.

Jodie DeCosty Ext. 201

Clinton

Spacious 3 bedroom, 2 bath ranch with hardwood floors, gas fireplace in family room in new addition. All new carpeting and light fixtures.

Gaetano Belmonte Ext. 202

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into Your Smartphone: OR Go to our Mobile Platform: m.Coldwellbankerprime.com

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11

L i f e and H o m e s

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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.

Call, Email, or Text Anytime!

New Hartford

$112,900

Seldom available in this sought after neighborhood. Sidewalks with easy access to village parking and amenities. Two enclosed porches.

Linda Peters

New Hartford

$149,900

Wow!! Fabulous space in this over sized split level. 2700 Sq. Ft. of open floor plan. Offers lots of options. Fireplace.

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Associate Broker Cell: 315-527-1252 Email: LindaAPeters@gmail.com Marcy

$164,900

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.

New Hartford

$244,500

Great space in this executive colonial. Dramatic addition! Family rm has skylight, & propane gas fireplace. Wood burning fireplace in living rm.

MLS 1000998 Brockway Rd Frankfort - 3 parcels! 1 Acre!

$24,900

MLS 1100081 Regal Place New Hartford - 2 Parcels! 147 x 135

$54,900

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$120,000

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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

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$5,000

Clinton

$199,900

9551 Mullen Hill Road

7349 Pryor Road

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 #41863

Oneida County - FSBO

Phyllis Goworek • 315-335-2745 FSBO • 0@0.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clark Mills

$129,900

Clinton Real Estate

Barbara Owens • 315-853-4400 Associate Broker • info@barbaraowens.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

$285,000

4705 Clinton Street

8179 Kellogg Street

3 Bedrooms / 1.5 Baths

3 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41986

For more details visit www.LifeandHomes.com Type in Quick Search #41867

Clinton Real Estate

Barbara Owens • 315-853-4400 Associate Broker • info@barbaraowens.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

$439,900

Clinton Real Estate

Barbara Owens • 315-853-4400 Associate Broker • info@barbaraowens.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Constableville

$99,900

76 College Street

3708 Sweeney Road

5 Bedrooms / 2.5 Baths

2 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 #41212

Clinton Real Estate

Barbara Frank • 315-853-4400 Lic. R. E. Broker • info@clintonrealestateny.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

$205,000

Barbara Dunn Realty

Barbara Dunn • 315-337-1677 Broker/Owner • dunrealt@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Constableville

69 Stebbins Drive

$127,000 3706 Sweeney Road / 15 Acres

4 Bedrooms / 2.5 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41611

For more details visit www.LifeandHomes.com Type in Quick Search #41211

Barbara Frank • 315-853-4400

Barbara Dunn • 315-337-1677

Clinton Real Estate

Lic. R. E. Broker • info@clintonrealestateny.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

$169,900

Barbara Dunn Realty Broker/Owner • dunrealt@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Eagle Bay

4 Old Boorne Drive

$1,750,000 Magnificent Mountain Lake House

3 Bedrooms / 2.0 Baths

4 Bedrooms / 3.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42415

For more details visit www.LifeandHomes.com Type in Quick Search #42501

Barbara Frank • 315-853-4400

Rivet Realty • 315-369-6573

Clinton Real Estate

Lic. R. E. Broker • info@clintonrealestateny.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rivet Realty • rivetre@gmail.com.

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Barbara Dunn Realty February ■

www.Life and Homes .com

13

L i f e and H o m e s

215 N. James Street Rome 315-337-1677 • dunnrealt@aol.com

Selling your home in 2011?

Tips to add value during winter months Major home renovations can be overwhelming, but

planning to sell your home in 2011, take advantage of

there are a few fundamental repairs that can update

the colder winter months to prepare your home for a

your home's appearance and increase its value. If you're

spring sale by focusing on a few key projects:

L i f e and H o m e s

â–

Central New York

Make a first impression.

The entryway is the first up-close encounter a potential homebuyer will have with your home. Manicure your front yard and update or even replace your front door to complement your home's exterior. Select a rich, dark stained wood or bold white door to draw attention to the main entry and add personality to your home. If your door is already in great shape, consider a simple replacement of weak or older-looking hardware that will impress buyers at first sight.

Get cookin' in the kitchen.

Experts agree that a kitchen can significantly impact a home's perceived value. An outdated kitchen can be a deal breaker for many homebuyers. Naturally, then, it's the place you might spend the most amount of time updating. To increase the appeal of your kitchen, consider investing in updated, matching appliances that match the style of your kitchen. Some manufacturers even offer 14

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 .

replacement panels to update the exteriors of older appliances.

Next, if you can't afford to add new cabinetry, change out the hardware so the knobs, drawer pulls and handles match your decor and add a modern flair. Adding technology-driven fixtures, including built-in water filtration systems, garbage disposals and high-tech faucets is another great way to increase the room's appeal. Delta Faucet's Touch2O Technology will impress homebuyers and add a sense of luxury to the room. The technology enables users to turn the faucet on and off with just a touch anywhere on the spout or handle, and is available on a variety of models.

Update and upgrade light fixtures.

Lighting is key. It can drastically change the look and feel of a room, and lighting fixtures are affordable and relatively simple to install on your own. Shop discount stores and home improvement depots to find a statement

piece to add spice to your living room. A beautiful ceiling fan with lighting can serve double-duty to update your family room.

Remember, well-lit and bright rooms appear larger and more open.

Step on it.

Flooring is one of the first things that potential homebuyers notice. Make sure you dust, vacuum and clean so that you show off the flooring to its best advantage. If you have carpet, consider replacing it with wood floors or wood alternatives. If you already have hardwood floors, polish and protect your flooring so that it gleams when potential buyers step into the home.

Whether you're trying to sell your home this winter or simply want to update its look, you don't have to wait until the spring thaws.

When the cold weather drives you inside, take advantage of the time to make attractive upgrades that can increase the appeal and value to your home. (ARA)

Home Renovations Before Selling:

Do or Don't?

Probably the most common questions sellers grapple with before listing their home for sale is: should I or shouldn't I renovate?

For some sellers, remodeling is the key to selling their house, while for other sellers, home renovations before selling are simply a waste of time and money. However, there are a few questions you can think about to determine if home makeovers before selling are ideal for you:

What are the comparables in my area?

The best way to determine whether you should renovate your home is by simply studying the comparables in your neighborhood.

With the help of your real estate agent, evaluate other similar homes that are either currently for sale or even have recently sold.

Most real estate agents will tell you that the value of house renovations before selling will largely be determined by the room you decide to renovate. The two most popular rooms to renovate - and also the two rooms of the home that you're most likely to see a return on your investment - are the bathroom and the kitchen.

Both of these rooms remain a large motivating factor among buyers for purchasing a home, so it only makes sense to concentrate on these rooms. Additional rooms in the home, such as the living room or the bedroom, for example, may not show you as large of a return on your investment as would the master bathroom or the kitchen.

The bottom line, of course, is money when it comes to determining whether or not to take on home makeovers before selling. Even if other homes in the neighborhood possess updated kitchens, your kitchen area renovation should never be finished unless you can be sure you'll see a return on your dollar. For most sellers, it simply doesn't make financial sense to complete a remodel if you won't see a come back on those renovations dollars in the sales price of the home.

Authored by Bo Kauffmann. Interested in more real estate information on buying, selling or investing in houses or condominiums? For more real estate information, visit bokauffmann.com and winnipeghomefinder.com for great advice, lListings, videos and information. (Goarticles.com)

www.Life and Homes .com

15

L i f e and H o m e s

Most sellers would agree that home renovations could be a headache. Therefore, consider the time it would take to complete the renovation and the difficulty from the renovation. If the

Does the cost of the renovation over-shadow what I could sell my home for?

â–

How time-consuming or difficult would a renovation be to complete?

renovation entails gutting a kitchen, for example, how would that impact your household and what length of time wouldn it take to complete?

Remember: all factors must be considered when deciding whether or not to renovate.

February

It might be quite worthwhile to take a stroll through a few homes in your neighborhood that are for sale and study the competition. If the majority of the homes for sale in your neighborhood have updated kitchens, and your home does not, chances are it will be worth the investment to renovate your kitchen so that you can remain competitive in the local market.

What room do I want to renovate?

LifeandHomes.com Eaton

Open Market Listing Service™ Lincoln

5767 Mill St

$33,900

$149,900 7022 South Court Street

3 Bedrooms / 1.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41933

For more details visit www.LifeandHomes.com Type in Quick Search #42498

Amy Abdoo • 315-794-2653

Janet Mautner • 315-363-9191

Dominion Homes

Kay Real Estate

Broker/Owner • blon316@aol.com

Assoc. Broker • kayhomes@dreamscape.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Herkimer

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Little Falls

$55,000

49 Ward St

3 Bedrooms / 1.5 Baths

10 Bedrooms / 4.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42504

For more details visit www.LifeandHomes.com Type in Quick Search #42416

Leslie Nicolette • 315-985-0212

Amy Abdoo • 315-794-2653

Bruce Ward & Company

Dominion Homes

Lic. R.E Salesperson • dnicolette@twcny.rr.com

Broker/Owner • blon316@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Herkimer

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Madison

$58,000

16 E. Lake Rd.

3 Bedrooms / 1.5 Baths

Building Lot - 5+ Acres

For more details visit www.LifeandHomes.com Type in Quick Search #42426

For more details visit www.LifeandHomes.com Type in Quick Search #41900

Leslie Nicolette • 315-985-0212

Amy Abdoo • 315-794-2653

Dominion Homes

Lic. R.E Salesperson • dnicolette@twcny.rr.com

Broker/Owner • blon316@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Ilion

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Marcy

$89,000

161 Second St

$299,900 Buckland Estates - New Construction

Office/ Restaurant

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41760

For more details visit www.LifeandHomes.com Type in Quick Search #41653

Amy Abdoo • 315-794-2653

Buck Construction • 315-736-0865

Dominion Homes

Buck Construction

Broker/Owner • blon316@aol.com

Contractor/Developer • alyssabuck@buckconstruction.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Ilion

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Marcy

$128,900

5740 Carey Road

4 Bedrooms / 2.0 Baths

3 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42065

For more details visit www.LifeandHomes.com Type in Quick Search #42239

Leslie Nicolette • 315-985-0212

Patricia Morreale • 315-793-7580

SBG Realty

Lic. R.E Salesperson • dnicolette@twcny.rr.com

Lic. R. E. Agent • Parispm2@yahoo.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Central New York

Licensed Mortgage Banker NYS Banking Dept

Kay Real Estate Kay Real Estate, established in 1983, has been serving Oneida and surrounding areas for 25 years. Their success can be partly attributed to the community itself by being centrally located between 2 major cities helping to make Oneida an excellent place to reside. Please feel free to contact us to discuss how we can assist you with your real estate needs.

■

$140,000

44 South Fourth Ave

Bruce Ward & Company

L i f e and H o m e s

$18,900

355 King Street

Bruce Ward & Company

126 Main St., Oneida, NY • 315.363.9191 • www.kaysteam.com

16

$19,900

310 Dewey Ave

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 .

Text CNY to 90210 to learn how to get your keyword at 90210 for your billboards and advertising.

Available keywords: CNYNews, CNYHomes, MVHomes, MohawkValley, CNYBuilders, UpstateBuilders and MORE.

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Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Secure Home Inspections 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

PH: 315 859 1778

Well flow/ septic dye/ water purity testing Complete interior, exterior, and grounds inspection

www.Securehomeinspections.com

Be Sure With Secure

Dominick M Tofolo Jr. Cell: 315 542 4622

Open Market Listing Service™ New Hartford

LifeandHomes.com Oneida

$185,000

$299,900

25 South Hills Drive

1855 West Road

3 Bedrooms / 2.0 Baths

5 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42191

For more details visit www.LifeandHomes.com Type in Quick Search #42133

Amy La Clair • 315-790-4153

Sue Rosendale • 315-374-7451

New Nest Realty

Hunt Real Estate ERA

Broker/Owner • info@newnestrealty.com

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

Oneida

$79,500

$178,000

19 New Hartford Street

561 Main Street

3 Bedrooms / 1.0 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42238

For more details visit www.LifeandHomes.com Type in Quick Search #42497

Joel Siegfried • 315-793-7580

Janet Mautner • 315-363-9191

SBG Realty

Kay Real Estate

Broker/Owner • info@sbg-realty.com

Assoc. Broker • kayhomes@dreamscape.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

Old Forge

$1,095,000 Stunning Timberpeg Chalet

Oneida

4 Bedrooms / 2.5 Baths

4 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42503

For more details visit www.LifeandHomes.com Type in Quick Search #42493

Rivet Realty • 315-369-6573

Jayne Wentworth • 315-363-9191

$229,900 129 Willow Meadow Way

Rivet Realty

Kay Real Estate

• rivetre@gmail.com.

Assoc. Broker • kayhomes@dreamscape.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

Oneida

$169,000 4762 State Street - 2 Family

Oneida Castle

4 Bedrooms / 2.0 Baths

5 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42240

For more details visit www.LifeandHomes.com Type in Quick Search #42495

Patricia Morreale • 315-793-7580

Julie Stickels • 315-363-9191

64 Seneca Avenue

SBG Realty

Kay Real Estate

Lic. R. E. Agent • Parispm2@yahoo.com

Assoc. Broker • kayhomes@dreamscape.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Oneida

$214,900

Licensed Mortgage Banker NYS Banking Dept

Oriskany

$134,900

$194,900

414 Oxford St

6387 Reid Lane

3 Bedrooms / 1.0 Baths

5 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41908

For more details visit www.LifeandHomes.com Type in Quick Search #42506

Thelma Chase • 315-363-5464

Jill Shafer • 315-334-1046

Don Kingsley Real Estate

Clemens-Beckley Real Estate

Assoc. Broker • thinkthelma@twcny.rr.com

Lic. R.E Salesperson • JILLEATON2@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

Dominion Homes

Bill Lake has been the leader in building energy efficient custom homes for over 43 years. Call Dave today!

Top 10 things to do whether you are buying or selling: 1. Call Joel Siegfried (He will handle the rest.)

KD Homes Rt 12 Waterville, NY 13480

841-8700

email kdhomes@frontiernet.net web kdhomesny.com

286 Genesee St Suite 1 Utica, NY 13502 www.Life and Homes .com

315-796-2258 17

L i f e and H o m e s

Phone: 315-794-2653 Email: Blon316@aol.com

Bill Lake Homes

A different kind of home built with pride & integrity by professionals.

www.SBG-Realty.com

■

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.

featuring

February

KD Homes

Amy Abdoo

LifeandHomes.com Oriskany Falls

Open Market Listing Service™

$69,000

112 E. Sycamore Street

5+ Acres

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42335

For more details visit www.LifeandHomes.com Type in Quick Search #42507

Amy La Clair • 315-790-4153

Broker/Owner • BCLEMENS@CNYMAIL.COM

Licensed Mortgage Banker NYS Banking Dept

Remsen

$45,000

$249,900

4 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42445

For more details visit www.LifeandHomes.com Type in Quick Search #42508

Coldwell Banker Prime Properties Gaetano Belmonte • 315-768-1680

FSBO • arl@lindsey-family.com

Realtor • Homes@GaetanoBelmonte.com

Licensed Mortgage Banker NYS Banking Dept

Remsen

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

$298,000 10040 Bardwell Mills Road

Rome

3 Bedrooms / 2.0 Baths

2 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42090

For more details visit www.LifeandHomes.com Type in Quick Search #42517

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

$62,000

308 River Road

Don Kingsley Real Estate

Thelma Chase • 315-363-5464 Assoc. Broker • thinkthelma@twcny.rr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

$120,000 6611 Martin Street - Restaurant/Bar

Rome

Fully equipped

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42241

For more details visit www.LifeandHomes.com Type in Quick Search #33899

Clemens-Beckley Real Estate Edward Beer • 315-334-1046 • EBEER@TWCNY.RR.COM

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$154,000

$59,500

534 Mill Brook Road

Oneida County Real Estate Investors We Buy/Sell Houses • 315-264-9235 Investor • phpenterprises@hotmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$64,900

6559 Elmer Hill Road

817 W. Liberty Street

3 Bedrooms / 2.5 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42327

For more details visit www.LifeandHomes.com Type in Quick Search #42522

1St. Rome Realty

Tracy Winterton • 315-335-3843 Lic. R.E Salesperson • tlwinterton@hotmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Central New York

Rome 8103 Pinebrook Lane

Low Mortgage Rates • Homestead Financial 315-768-1980

Advanced Home Inspection Service LLC

15 years experience inspecting homes NYS Licensed/ Certified Inspector NEHA/NRPP Certified Radon Tester

■

Licensed Mortgage Banker NYS Banking Dept

15 Acres

Al Lindsey • 270-977-8555

L i f e and H o m e s

Low Mortgage Rates • Homestead Financial 315-768-1980

Starr Hill - Prime Acreage

Oneida County - FSBO

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

NRPP

Call 315-792-9029

http://www.advancedhomeis.com 18

Clemens-Beckley Real Estate

Barbara Clemens • 315-334-1046

Broker/Owner • info@newnestrealty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Don Archer

$118,500

Valley View Road

New Nest Realty

NAHI

Rome

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 .

Laura Minard Coldwell Banker Prime Properties

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 Phone: 315-768-1680 x 205 Web: lauraminard.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

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

#1 Selling Company in Utica, Rome, and the Mohawk Valley FAITH PROPERTIES

2306 Genesee Street, Utica, New York 723-2270 Visit my Web Site for the easiest home searches: www.centralnewyork.com/jim

Most agents locally only represent Sellers.

Call Me for the Buyer’s Representation You Deserve!!!

Call, e-mail or text anytime.

Jim Lenahan

Utica

$89,900

Whitesboro

$112,000

Come see this vintage 2 Story Home! The charm of yesteryear has been maintained with pocket doors, leaded glass, antique lights, Fireplaced living room, and beautiful hardwood floors! Nice deck off rear, new paint, 1 stall garage. MLS #1002018

Come see this updated 2-3BD 1BA Ranch. Updates include jacuzzi, bath, roof, siding, windows, doors, electric, furnace, central air. Heated inground pool.

Hardwood under carpet. Ready to move into and owner anxious to sell! MLS #1100039

Rome

$77,900

Clayville

$285,000

Associate Broker & Trained Buyers’ Agent jim@centralnewyork.com

Cell: 315-723-2270 Office: 735-2222 Ext 20 Nice 3 BR possible 4 with 1.5 BA. Updates include windows, flooring, sheetrock walls, doors, HE Furnace (92%) & HWTank. 1st fl laundry, formal DR, beautiful oak woodwork & sun porch. Great home, great price!

MLS #1003904

6377 State Route 233, Rome NY • 315-336-7323

Nearly New

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 Luxury Home - Now on Display

New Home - Now on Display

Huge custom ranch, attic with staircase, stainless steel appliances, disposal, 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 kitchen island, ceramic backsplashes, oversize 2 car garage, much more! $99,900

Near New

Newer 3 Bedroom 2 Bath Ranch, Central Air, Open Floor Plan.

Owner Anxious. $59,900 $54,900

Great Floor Plan Spacious 3 Bedroom, 2 Bath Ranch, 1½ Car Garage, Central Air, Large Deck, and All Appliances, Including Washer, Dryer, and Dishwasher. $49,000 www.Life and Homes .com

19

L i f e and H o m e s

New Listing

Very Nice 2 Bedroom 2 Bath Ranch, Dense Woods in Back, Central Air, Deck, All Appliances, New Roof & Water Heater, W/D Negotiable. Come See. $41,900

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U ED

February

Magnificent large ranch, 3 bedroom 2 bath, living room and family room with fireplace, all appliances, great corner lot! $79,000

Historic Landmark of Clay Manor. Beautifully restored Colonial with original floors and woodwork. 3 Porches, an elevator, fountain, 5 fireplaces. On 15 acres of land. Owners are motivated to help you make this your dream home! MLS #1003603

Average Home

Days On Market: Westernville

$124,900

7669 Gifford Hill Rd A surprise around every turn in this larger-than-it looks ranch just ready & raring to go!

Sauquoit

$319,900

9235 Paris Hill Rd living inside, fresh Hip urban loft-style! country air outside

Schuyler

$129,900

www.GetP ackingCN

Y.com

,900 Westmoreland $299

6451 Bartlett Rd accessible model Fantastic wheelchair-lt for incredibly home designed & buidern twist! easy living with a mo

52 Woodberry Rd Absolutely beautiful ove rsized Woodberr Colonial that radiate warmth and charmy from the moment yous ste p through the door.

Central New York

3 0 Days

94

5691 Mapleton Dri Raise the roof, literallyve! This once cute n’ cozy ranch had its cute n’ cozy cape. roof raised & now it’s a

New Hartford $244 ,900

Camd en $1 34,900

23 Fo Charmuinrth Ave this lo e g, warm & in ly village viting characvte rougho r & war victorian offth ut, e mth of days lorns up the g gone.

,900 Sylvan Beach $259

7336 State Rt 13 ent opportunity!

Truly fantastic investmwith additional Ten year young 3-unit ress. rental cottage will imp

Jorda n Guy Operations

FAITH PROPERTIES

The Jay Groah Team

■

L i f e and H o m e s

Our DOM :

Licensed Real Estate Sales Agents

315.735.2222 (office) 315.272.3975 (jay) 315.725.1608 (brandon)

Jay

Listing Co ordinator

20

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

December Stars

Kelli Inserra

2306 Genesee Street Utica, New York 735-2222

www.CentralNewYork.com FAITH PROPERTIES www.Life and Homes .com

21

L i f e and H o m e s

Linda Peters

â–

Jay Groah

February

Congratulations to these Top Selling Agents!

SCAMPONE REAL ESTATE 797-7100

EW

N

G TIN

LIS

South East Utica

$139,500

Nice ranch in popular South East Utica location. LR has marble FP. Semi-finished FR in bsmt w/ ½ bath & walk-out accessibility & lrg windows. Spacious eat-in kitchen & bedrooms. New windows in bedrooms & bath. Hdwd flrs, oversized garage, double lot, cedar closet in 2 bdrm. MLS #1100153

South East Utica

$239,900

Sprawling, renovated 4 bdrm, 3 bath ranch. 3 Fireplaces, hrdwds, new windows, roof, kit & bath. Formal LR w/ FP, FR w/ FP, Formal DR. Mstr bath. Main flr laundry, finished room in basement w/ 3rd FP. Sliders from FR to new deck.

Large yard. Most sought after location! MLS #1100018 R LE

SEL

M

New Hartford Condo $235,000

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

MLS #1000563

D TE IVA OT

R LE

Ilion

SEL

W

NE

N IO CT RU ST N CO

$219,000

$159,000

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!

M

Central New York

MLS #1003277

North Utica

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

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L i f e and H o m e s

124,900

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

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 .

New Hartford

$229,900

Newly constructed 3 bdrm, 2 bath ranch in the Whitetail Meadows development.

Gorgeous brick oven kitchen w/ maple cabinets, LR, DR, breezeway. Completed w/ lawn, driveway, walkway.

Turn key! MLS #1100112 Frankfort

$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

East Utica - Commercial $139,900 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

FOR A COMPLETE INVENTORY OF LISTINGS & UP TO DATE PROPERTY INFO, VISIT...

22

$240,000

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

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

D TE IVA OT

South East Utica

$399,000

Utica - Commercial

$79,900

Well maintained historical building situated close to State Office Building, Oneida County Court House, and retail businesses.

Property has 2 separate deeds, one designated for office building, one for parking lot included in sale.

MLS #1000833

D TE IVA OT

M

SEL

Open Market Listing Service™ Rome

LifeandHomes.com

$145,000

Sherrill

$159,900

7982 Winfield Circle

222 West Hamilton Ave

4 Bedrooms / 3.0 Baths

3 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42520

For more details visit www.LifeandHomes.com Type in Quick Search #42494

RE/Max All Pro

Tony Abone • 315-339-2222

Jayne Wentworth • 315-363-9191

Broker/Owner • proabone@cnymail.com

Assoc. Broker • kayhomes@dreamscape.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

Kay Real Estate

$73,900

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Sylvan Beach

$67,000

1103 Laurel Street

1314 Vienna Rd

3 Bedrooms / 1.0 Baths

2 Bedrooms / 1.0 Baths - Seller Financing

For more details visit www.LifeandHomes.com Type in Quick Search #42521

For more details visit www.LifeandHomes.com Type in Quick Search #32684

RE/Max All Pro

Tony Abone • 315-339-2222

Steve Ruscitto • 315-762-4488

Broker/Owner • proabone@cnymail.com

Investor • steve@cnyres-q.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

Oneida County Real Estate Investors

$83,900

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Sylvan Beach

$69,000

1504 Bedford Streeet

503 16th Ave

3 Bedrooms / 1.0 Baths

3 Bedrooms / 1.0 Baths - Seller Financing

For more details visit www.LifeandHomes.com Type in Quick Search #42519

For more details visit www.LifeandHomes.com Type in Quick Search #32685

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

Sauquoit

$219,000

Oneida County Real Estate Investors Steve Ruscitto • 315-762-4488 Investor • steve@cnyres-q.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

$119,750

3043 Mohawk Street

29-35 Devereaux Street

3 Bedrooms / 2.0 Baths

Drive-thru Bank

For more details visit www.LifeandHomes.com Type in Quick Search #42203

For more details visit www.LifeandHomes.com Type in Quick Search #42213

Coldwell Banker Prime Properties Gaetano Belmonte • 315-768-1680 Realtor • Homes@GaetanoBelmonte.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Sherrill

$169,900

National M&D Dailey Realty

Maria E. Dailey • 315-336-0433 Broker/Owner • dailey.realty@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

$68,000

304 W Hamilton Ave

613 James Street - 3 Unit

3 Bedrooms / 1.5 Baths

Excellent Income Opportunity

For more details visit www.LifeandHomes.com Type in Quick Search #42444

For more details visit www.LifeandHomes.com Type in Quick Search #42488

Hunt Real Estate ERA

Sue Rosendale • 315-374-7451 Lic. R. E. Agent • srosendale@huntrealestate.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Buyer’s Realty Group

Kim Perry • 315-723-6340 Lic. R. E. Salesperson • k.perry9767@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Smith Inspection Services, llc

www.SuperiorPlusEnergy.com

35 Years Commercial Construction Experience 5 Years Home Inspection Experience PO Box 126, Sherrill, NY 13461

Call 315-363-8074 www.Life and Homes .com

23

L i f e and H o m e s

800-432-8669

■

Pre-Listing & Buyer Inspections Septic System Inspections & Dye Tests Water Purity & Quality Tests

February

Serving Central NY and the Mohawk Valley

LifeandHomes.com Utica

$71,900 1635-1637 Holland Ave - 2 Family

Vernon

6 Bedrooms / 2.0 Baths

2 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42343

For more details visit www.LifeandHomes.com Type in Quick Search #42155

Rick Andrew • 315-534-0555

Amy La Clair • 315-790-4153

Oneida County - FSBO

Broker/Owner • info@newnestrealty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

$299,900

4140 Churton Road

New Nest Realty

FSBO • rickjandrew@gmail.com

$399,000

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Vernon

$169,000

1007 Parkway East

6 Black Ave East

4 Bedrooms / 3.5 Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42510

For more details visit www.LifeandHomes.com Type in Quick Search #41694

Lori Dinardo-Emmerich • 315-732-3456

Amy La Clair • 315-790-4153

A.Fumarola /Joyce Realty Lic. R. E. Salesperson • Dinardolori@yahoo.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Vernon

$28,000

New Nest Realty

Broker/Owner • info@newnestrealty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Vernon

Cooper Street

$149,900 4966 State Route 26 Rome Rd

3+ Acres

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42052

For more details visit www.LifeandHomes.com Type in Quick Search #41934

Amy La Clair • 315-790-4153

Amy La Clair • 315-790-4153

New Nest Realty

New Nest Realty

Broker/Owner • info@newnestrealty.com

Broker/Owner • info@newnestrealty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Vernon

$399,900

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Verona

$129,900

50 Seneca Avenue

6137 Happy Valley Road

7 Bedrooms / 7.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42505

For more details visit www.LifeandHomes.com Type in Quick Search #42441

Sue Rosendale • 315-374-7451

Sue Rosendale • 315-374-7451

Hunt Real Estate ERA

Hunt Real Estate ERA

Lic. R. E. Agent • srosendale@huntrealestate.com

Lic. R. E. Agent • srosendale@huntrealestate.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

Vernon

$190,000 3799 Kenwood & Peterboro Int

Whitestown

3 Bedrooms / 2.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42496

For more details visit www.LifeandHomes.com Type in Quick Search #41935

Julie Stickels • 315-363-9191

Amy La Clair • 315-790-4153

Kay Real Estate

Broker/Owner • info@newnestrealty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Central New York

$85,000 5122 Westmoreland Road

New Nest Realty

Assoc. Broker • kayhomes@dreamscape.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Realtor & Certified Home Stager

■

L i f e and H o m e s

Open Market Listing Service™

Cindy K. Lazzaro 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 24

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 .

QSN#42443

QSN#42087

QSN#42417

“The Key to your front door”

Rome

$54,900

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

Denise Witchley Lic. Real Estate Broker/Owner 337-0841 office 335-6971 cell 337-7973 fax For more information on any of these homes, visit

www.LifeandHomes.com Rome

$57,000

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?

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

and type in the QSN#

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!

www.homecomingrealty.net • 734 Erie Blvd. W, Rome, NY 13440

L i f e and H o m e s

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Central New York

Home Security Trends: Mobile Command, Smart Integration, Video Monitoring

Homeowners who installed early home security systems

offered keypads that looked as complicated as an airplane

often wound up thinking they would have been better

cockpit, and did nothing for you if the homeowner forgot

off simply installing sturdy locks on their doors and calling

to set the alarm before leaving the house.

it a day. The technology was labor-intensive to install,

26

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 .

Fast forward to 2011, and today's technology has helped make home security systems easier to use, more effective and flexible to fit our modern, mobile lifestyles. And statistics indicate homeowners have ample reason to consider installing a security system. Nearly 1.4 million homes were burglarized in 2009, accounting for 72 percent of total burglaries, according to FBI statistics. The average loss per burglary was more than $2,000, and that figure doesn't take into account the emotional trauma of having your home invaded and possessions taken.

"Considering the average loss from burglary and house fires, monitored security systems have always been a worthwhile investment," says Jonathan Klinger, vice president of marketing for Honeywell Security. "Now the option to add remote system control and video look-in from Web browsers and Smartphones, enable everyone to play a more active role in the protection of their home and family."

of home security systems, today's technology makes it possible to use the system to keep track of and care for the loved ones still inside your home. For example, Total Connect by Honeywell allows you to view the inside of your home from virtually any Internet-enabled device, using up to six wireless cameras that can tilt, pan and provide nearly a nearly 360-degree view.

Have a latchkey kid? Total Connect not only monitors when the front door opens, it can show you video of who's coming in. You can set the system to e-mail you a video clip of your child coming in the front door - so you have visual confirmation that she's home safe. Caring for aging parents from afar?

Equip their home with a security system and you can look in on them from time to time and see how they are. Or, place a sensor on the medicine cabinet and you can set the system to send you an alert in case your parents forget to take their medication - and don't open the medicine cabinet.

If you're considering purchasing a home security system, it's helpful to know trends in terms of available technology and how others are using it to protect their homes and families:

Mobile Command Use of handheld mobile devices has boomed in America over the past few years. People use smart phones, laptops and a variety of wireless devices to keep in touch with friends and family, communicate regarding business matters, monitor world events, track weather and even plan a route home from work when there's an accident along the usual course.

Home security is on track with this highly mobile lifestyle. Products like Honeywell's Total Connect allow us to keep in touch with what's going on in our home no matter how far away from it we are. Apps for the iPhone, iPad, BlackBerry and Android smartphones make it possible to access real-time video of your home's interior, monitor system components and completely control the system from anywhere.

Total Connect integrates with existing Honeywell security systems. Or you can use it as a standalone video system if you don't have or need a security system. (ARA)

Smart Integration

February

Once, homeowners used separate systems to manage security and fire detection. Modern systems, however, integrate these functions.

What's more, many security systems now integrate easily into home automation systems, which means that homeowners can control multiple elements in their homes in addition to ensuring the home is safe. They can arm their security systems and turn on the lights, control the thermostat and open garage doors - all remotely - through one integrated system.

â–

In the early days of home security, the focus was on keeping the bad guys out of your home. While that's still an important function

www.Life and Homes .com

27

L i f e and H o m e s

More Than Keeping Bad Guys Out

Before You Kick Off Your Shoes: Moving In Tips and Strategies

Congratulations! Your new home is a sanctuary, but before you kick off your shoes and put your feet up, there are some things that you need to get started on the right foot.

1. Call the Utility Companies: Call the gas, water, electric, cable, telephone, garbage services, and other appropriate companies to help life in your new home function seamlessly.

2. Label Your Circuitry: Find your main circuit breaker, and if it’s not already, label each one.

3. Change Your Address: Call up the regular mailers, magazine companies and credit card companies to alert them that you have moved.

You can change your address online at the post office website.

4. Home Warranty Insurance: Protect your investment. Home warranty insurance can help you down the road if your central heating or your dishwasher breaks and can wind up

saving you a lot of money on maintenance issues.

5. Insulation Station: Check your attic to see if there’s at least 6 inches of insulation or you could wind up spending more money on heating and cooling than you ought to.

6. Install a Thermostat: A programmable thermostat anables your home temperature to fluctuate when you are at work or sleeping in order to save money. When you want the home to be a certain temperature, you program it for a specific time.

7. Lower Your Water Temperature: Set your water heater to 120 degrees since it is the most energy efficient.

8. Maintenance: Walk around your home with a checklist to see that your appliances are functional and what they will need to remain that way. For example, if you have central heating and cooling, make sure that weeds and debris don’t build up around it, since they can ultimately

Oneida

By Mark Etinger. www.anchorhomeprotection.com is a home warranty insurance company providing a range of home warranty plans and services to suit your home’s needs. (Goarticles.com)

315-733-5394

New Location 3985 Oneida St, New Hartford, NY 13413

$78,900

Frankfort

$79,900

Utica

$85,000

Nicely maintained house with some renovations. Good starter house for family - offers 3 bedrooms, 2 full baths.

Priced to sell. Call Juan Martinez - (315)733-5394.

MLS # 1004064

Lovely home for 1st time homebuyer! Offers 3 brs, 1 bath, newer kitchen w/white tile floor, above ground pool, large deck, large fenced yard and new storage shed. Call Joann Longo - (315)733-5394. MLS # 1000671

Good starter house w/3 br, lr, dr, remodeled kitch on 1st fl and 1 br apt on 2nd fl. Let rent help w/mortgage. 1 Yr old roof, 2 yr old furnace, 1 new hot water heater. Utilities are Ilion electric - inexpensive heat cost. Call Juan Martinez - (315)733-5394. MLS # 1002731

This is zoned multi property has a large garage currently used for business - can be a warehouse or storage. 3 Apts - one apt over the garage. Good income producer and possible use for a small business. Call Joann Longo - (315)733-5394. MLS # 1004068

Utica

Utica

Utica

Utica

L i f e and H o m e s

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Central New York

$48,900

If you take all these steps you will be on your way to living in a greener, more cost efficient home. You won’t see issues down the line and you will live more comfortably and proudly.

Licensed RE Brokers & Appraisers

Robert B. Dellecese & Joann Longo Realty

Utica

cause malfunctions. Other appliances that need maintenance include: * Garbage Disposal: Clean it by grinding ice cubes and running water. Run water while it’s in use and for a few seconds after it’s off. * Dishwasher: The water filters at the bottom need to be replaced regularly. Use the appropriate amount of detergent. * Refrigerator: Clean the shelves of your fridge every 3 months and keep it at 37 degrees Fahrenheit.

$55,000

Nice starter house - live in and let rent help w/mortgage.

Good investment offering 3 bedrooms in each apt, lr, dr, kitchen, 2 car garage, separate utilities. Close to schools.

Call Juan Martinez - (315)733-5394. MLS#1002840

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$55,000

Nice 2 family w/3 br & bath. Great income producing property or live in and let rent pay mortgage. Some renovation done in 2008. Nice hardwoods, 2 car garage. Call Joann Longo (315)733-5394. MLS # 1003210

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 .

$40,900

Property has been a good investment. Offers two apts w/ one having 3 br & 1 apt w/2 brs. Lr, kitchen, 2 car garage, 6 yr old roof & 1 new furnace & hot water heater. Call Joann Longo - (315)733-5394. MLS#1001336

$49,900

This 3 unit property is a great investment with a 7 room flat on the 2nd floor, 2 br apt and a 1 br. All utilities are separate. It has 2 new oil furnaces in 2008. There is room to park 10 cars. Call Nancy Inserra - (315)733-5394. MLS#1000242

Joseph R. Carucci Real Estate 600 French Rd., New Hartford

(315) 733-0463

7 FOREST RIDGE DR., ROME

47 WOODBERRY RD., NEW HARTFORD

To Be Constructed! Beautiful One Level Living with this Alexandria Floor Plan. 3 Bedrooms, 2.5 Baths, Formal Living and Dining Rms, Kitchen & 2 Car Attached Garage. 2,000 sq/ft. Can be built on one of 4 lots.

Call (315) 733-0463

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

$258,800

$239,900

MLS#1100024

MLS#1003402

7 FOREST RIDGE DR., ROME

36 WOODBERRY RD., NEW HARTFORD

To Be Constructed! Beautiful One Level Living w/ this Braddock Floor Plan. 3 Bedrooms, 2 Baths, Great Rm w/ Fireplace, Formal Dining Rm, Kitchen & Breakfast Area & 2 Car Attached Garage. 1,840 sq/ ft. Can be built on one of 4 lots.

Call (315) 733-0463.

Pretty 4 BR, 2.5 Bath Woodberry Hills Colonial. Lrg LR, Formal DR, Kitchen w/ extra large eating area, Family Rm w/ fireplace & bookshelves. Backs up to ravine, private yard. Covered front porch.

$238,500

$215,000

Chris Ossont, Assoc. Broker

MLS#1100104

ext. 104 MLS#1004073

217 RAMBLEWOOD DR., DEERFIELD

259 HIGBY RD., 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. Whitesboro Schools.

Chris Ossont, Assoc. Broker ext. 104

Treasured Landmark! Preserved warmth & charm of yesteryear. Lg LR w/ architectural details + firepl.+ bookshelves.DR/FR w/ firepl. Sunrm. Hdwd + plank flrs. Expansion walk-in attic. Patio. Great yard & location!

Chris Ossont, Assoc. Broker ext. 104

$214,900

$179,000

MLS#1001269

MLS#913158

26 ROCKPORT RD., NEW HARTFORD

6 BEVERLY PL., S. UTICA

Spacious, well maintained townhouse in Oxford Heights on Cul-de-sac. 3 Bedrooms, 2 Baths, plenty of storage / walk-in closets. Newer Kitchen, Furnace, Roof. Central Air. 2 Stall Garage. ext. 212

Traditional Colonial w/ Grand Entrance Hall.

Beautiful Oak Kit. w/ ample cabinets. DR & Kit. combined make great space to entertain. Firepl. LR opens to Sun Porch. 3 BRs, 1.5 updated baths. Some new windows. Covered deck. Immaculate & totally redecorated. Call 733-0463

MLS#911417

MLS#1003633

Stephen Dellerba

$169,900

$159,000

6386 GLASS FACTORY RD., MARCY

4620 FRENCH RD., CLINTON

Excellent move-in condition 3 BR, 2 Bath Ranch w/ updated Kitchen. Sliders off Dining Area lead to deck overlooking lrg private yard. Large LR w/ bow window & fireplace. Finished FR in Bsmt w/ pellet stove.

Hdwds under carpets. Many updates. Great house!

Stephen Dellerba ext. 212

A charming private & totally updated residence. 4 or 5 Bedrooms, 2 Baths, Large Sunny Kitchen, Hand Painted Dining Rm, Living Rm w/ large windows.

Enormous Detached Garage. New roof, septic, water filter softener.

Joan Abend, Assoc. Broker ext. 216

$145,000

$139,000

MLS#1100047

MLS#1100051

13 BOHLING RD., NEW HARTFORD

2808 LEIBEL PL., S. UTICA

Village of New Hartford, 4 BR, 2 Bath Ranch w/ finished basement rooms. Spacious Kitchen-Dining Area. LR-Hdwds. Bsmt w/ BR, Full bath, FR & Laundry. Deep garage. Large Patio. Private fenced yard. Great convenient location.

Chris Ossont, Assoc. Broker ext. 104

Popular Quiet Location! Nice Clean 2 Bedroom Ranch with updated furnace & replacement windows. Attached garage. Great for those just beginning or downsizing.

$127,900

$124,900

Call 733-0463

MLS#1002763

MLS#1100088

$109,000

$63,900

Joan Abend, Assoc. Broker

MLS#1100145

ext. 216 MLS#1003834

152 COUNTRY RD., SCHUYLER Located in a 55+ park, this home features a 6x12 pop out, which gives it a large living room. The range/oven and the furnace are only 1 year old.

Eugene Primarolo

$15,900

www.prudentialcarucci.com

ext. 128 MLS#1002434

www.Life and Homes .com

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L i f e and H o m e s

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.

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6403 MALLORY RD., MARCY

Well maintained 3 Bedroom, 1.5 Bath Cape in a great convenient South Utica location. This home features a new kitchen with stainless appliances, refinished hardwood floors throughout and a new privacy fence. 1 car detached garage.

Eugene Primarolo ext. 128

February

416 FRENCH ROAD, S. UTICA

#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

â–

Central New York

FAITH PROPERTIES

30

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

Cli 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

February â–

www.Life and Homes .com

31

L i f e and H o m e s

735-8515

Campion-Weeks New Hartford

$349,000

Fabulous, custom 4 bd, 3.5 bath home. Approx 3,000 s/f, finished basement, FR,DR, loft, great kit, att double gar, inground pool.

MLS#1004000 www.Campionweeks.com 735-8515

Frankfort

$259,900

Fabulous 3-4 bd, 2 bath ranch. Gourmet kit., FR, double garage. Super in-law apt in lower level.

MLS#110119 www.Campionweeks.com 735-8515

Whitesboro

$189,900

Spacious home with an abundance of storage.

Beautifully maintained, newer roof, siding and carpet. Lower level would be perfect for in-law apt.

MLS#1003879 www.Campionweeks.com 735-8515

New York Mills

$119,900

Central New York

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

$79,900

New Hartford

$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

Whitesboro

$189,500

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

Yorkville

$149,900

Great 5 bedroom ranch with 2.5 baths, DR, FR, 2 car attached garage. NY Mills schools.

MLS#1003926 www.Campionweeks.com

East Utica

735-8515

$117,500

Wonderful 3bd, 1.5 bath ranch. Updated bath, HW floors, attached garage.

MLS#1003333 www.Campionweeks.com

Whitesboro

735-8515

$77,400

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

Whitestown

$169,900

Spacious, 2700 s/f 3 bedroom ranch. 2.2 acres, 1.5 baths, bonus rooms, FR, DR, 3 stall 25x50 garage.

MLS#1002202 www.Campionweeks.com 735-8515

New Hartford

$159,900

Recently updated 4 bd, 2 bath cape. New carpet, newer roof and vinyl siding. Oversize 2 car garage. Sunroom.

MLS#1004080 www.Campionweeks.com 735-8515

Yorkville

$99,900

Great 2 family w/ many updates. 2 bds in each apartment. Separate utilities. 2 car garage.

Carport. Whitesboro schools.

MLS#1003693 www.Campionweeks.com 735-8515

East Utica

$74,900

Immaculate, updated 3 bd ranch. New kitchen, bathroom, roof. Vinyl siding, garage.

Great 4 bd, 2 bath bungalow. DR, 4 car garage, deep lot. Updates.

MLS#1003108 www.Campionweeks.com

MLS#1003283 www.Campionweeks.com

735-8515

735-8515

Whitestown

Mark Canter

Susan Alberico

Caroline Marino

Sam Vedete

Vera Sadallah

Adeline Griffiths

Alice Donnelly

Anne Cesare

Anne Hameline

Anthony Desarro

Brett Lojewski

$284,500

To be constructed. 3 bd, 2.5 bath colonial in Trail’s Crossing. Your plans or ours. Expandable flr plan. $5000 credit to buyer for closing.

MLS#110012 www.Campionweeks.com 735-8515

Whitesboro

$157,500

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

East Utica

$87,000

Fully equipped beauty shop plus 2 apts. 3 booth rentals, separate utilities, vinyl sided, 2 car garage. Could be barber shop.

MLS#912863 www.Campionweeks.com 735-8515

New Hartford

Dave Malozzi

Kim Johnson

Linda Cavalier

Linda Kuzniar

Luis Montero

Marilyn Valvo

$109,000

Vinyl sided 3 bedrm, 1.5 bath cape in popular area. Enclosed patio, DR. Needs a little TLC. Attached garage.

MLS#1000409 www.Campionweeks.com 735-8515

Rome

Carla Dochterman Chris Shephard

$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

MaryBeth Roberts Michael Grassi

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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Spacious, vinyl sided 3 bedroom ranch.

Sunroom, large kitchen, oversize garage.

Many updates.

MLS#1001730 www.Campionweeks.com 735-8515

141 Genesee St., New Hartford www.campionweeks.com Voted Top Residential Real Estate Company

Azza Giorgi

Foresport

$39,900

Great for snowmobiling or hunting. 2 Bd mobile home.

MLS#1003257 www.Campionweeks.com

32

735-8515

Utica

$39,900

Rutger historic district hme with 3 bedrooms, FR, DR, updates, home warranty.

MLS#1003652 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

West Utica

$64,900

Nice 3 bd bungalow freshly painted. Applianced kitchen, DR, second flr master suite. Updates.

Vinyl sided, garage.

MLS#1003939 www.Campionweeks.com 735-8515

East Utica

$55,000

Affordable 2 family with 3 bds down, 2 bds up. Updated kitchens, baths, roof and siding.

Neat & clean.

MLS#1004057 www.Campionweeks.com 735-8515

February â–

www.Life and Homes .com

33

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

Dolgeville

Oppenheim

$109,000

St. Johnsville

$40,000

Large spacious rooms, large open 4 stall carport with single garage and workshop. Above ground pool with large deck. Nice size yard, carriage house cabinetry in kitchen.

Call Debbie Sicilia 518-495-5770

St. Johnsville

$77,100

Ft. Plain

$59,900

Nice countryside property, neighbors are great, quiet, private property. Great land to gradually build a home on. Mobile well taken care of with nice lawn on a corner lot.

Call Debbie Sicilia 518-495-5770

$142,300

Beautiful 3 bedroom remodeled home located within walking distance to Dolgeville School. This home comes with a fully insulated and heated oversized garage measuring 28x32 with automatic garage opener. Oak kitchen with island has upgraded appliances that will be included with home. The ambience of the gas fireplace furnishes heat and warmth throughout. Call Heidi Mouyos 315-717-7269

A nice single family home, on a dead end street.

This home has 3 bedrooms, a large bathroom with a jacuzzi tub, walk in closet or office, large living room and eat in kitchen. Large yard & concrete driveway.

Call Bob Snell 518-321-9897

Nice single family home, just outside the Village of Fort Plain. This home offers a nice kitchen with an island, family room with a stone fireplace, large living room, 3 bedrooms, 2 full baths and a laundry room. The master bedroom has its own bathroom with a large bathtub. Call Bob Snell 518-321-9897

From our family to yours we wish you a Merry Christmas and Happy New Year.

Sweet Satisfactions

Central New York

We’re two cousins who grew up with a family that loves food.

We love to bake and create delicious designs that put a smile on your face.

Have a special occasion, party or wedding coming up?

Give us a call...

Life is Delicious

L i f e and H o m e s

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Steph & Rach

A Sweet Valentine’s Gift!

www.SweetSatisfactions.com

For orders or info email: sweetsatisfactions.order@gmail.com 34

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 .

Stephanie - 315-941-2533 Rachel - 315-525-2994

mortgageCorner

Should You Sell Your House to Pay Off Debt?

“Help!” you are crying. “My debt load is weighting me down so much! Should we sell our house to get out of debt?”

Although I appreciate your willingness to sacrifice in order to dump debt, selling your house may not be the best way. Ask yourself the following question: Why am I in debt?

You need to identify the source of your debt before you can properly attack it. Is the debt a result of poor money management or because your house is too big for your budget?

Hint: if your mortgage payments are less than 30% of your take home pay, you have money management problems. On the other hand, if your mortgage payments are above 40%, you probably have too much house. Depending on how you answered, here are some tips: Money management problems Selling your house to pay off debt is treating the symptom instead of the illness. Reality is that you can afford to keep your house if you learn to manage your money. Whether you eventually sell your house or not, you need to: Make a budget. You will never be able to manage your money without a budget. No exceptions. Write down all of your take home pay and all of your expenses.

Agree with your spouse. Now track them and adjust them each month until you are confident that you are in control of your money.

Get rid of other debt. If car payments are dragging you down, get rid of your car. Give up eating out, vacations, satellite TV, and look for other ways to cut expenses until the debt is gone. Consider taking on a second job. It won’t be easy, but the best way to deal with your mess is to clean it up.

are living on a tight budget, you don’t see any big pay raises on the horizon, and you are unable to make progress on your debt – or save for an emergency fund or invest for retirement – your house is controlling your life. You would probably be better off with less house.

“I know I have money management problems, but I have so much debt that it will take me years to get rid of it. I would love to sell my house and take care of the debt immediately.”

I applaud your enthusiasm. My concern, however, is that you may be taking a shortcut to learning money management.

“I know I have too much house, but I am recently divorced and I want the kids to maintain the stability of living in the same house. Finances are extremely tight because we used to make the mortgage payments on two salaries and now I am making them on my own. Any thoughts?”

I realize this is a delicate time for you and your children.

However, staying in a house you can’t afford is not in your best interests or theirs. Children are much more resilient than we give them credit for. Moving to a smaller house with less stress will usually be best for both the kids and for you. Explain to them (age appropriately) what is going on and my hunch is that they will do fine.

“We fall in money management problem camp, but we hate our house. Shouldn’t we go ahead and sell it?”

Sure. But now the motive changes. You are selling because you hate the house, not because of your debt. I think you should sell, pay off debt, and rent while you are saving up down payment for another house. Of course continue working on the source of your problem: money management. Otherwise, whether you rent or buy again, that debt will reappear.

“We know we have too much house, but we love our house. Is there a way we can keep it?”

I hate to see people sell their houses. It is an extreme move, especially if you love your house. But if you

Selling your house to pay off debt, while admirable, can be a way of masking a money management problem. You need to clearly identify whether your debt is because of poor money management or too much house before you make your decision. The more clarity you have about the source of your debt, the better decision you will make.

Joe Plemon, a retired engineer, financial counselor and blogger, lives in Southern Illinois with Janice, his wife of 39 years. Joe likes online Scrabble, St Louis Cardinal baseball, blues music, power naps, high school football, short term mission trips and Sunday family dinners. You can read more from Joe at PersonalFinancebytheBook.com. (Christianpf.com)

100% Purchase Money Loans NO Downpayment • NO Monthly PMI Call for Details

February

Adam Hearty LoWEST

Rates in the Area!

Licensed Mortgage Banker • NYS Banking Department

Financial Services, Inc. 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

315-404-5253 Mortgage Originator

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Too much house People with too much house often manage their money quite well and live very frugally just to make their monthly mortgage payments. Is this you? Does your house payment feel like an anchor trying to pull you under? Are you unable to make progress on your debt reduction because your house payment controls your life? If so, you probably need to sell your house. This being said, you should not blame your debt on your house payment; you still need to manage your money and make the same sacrifices (get rid of car, no eating out, no vacations, etc) in order to eat away at that debt while you are marketing your house.

Special considerations While the above analysis should give you the guidelines for whether to sell your house, I realize the decision is not a black and white issue. Some special considerations are:

BRANJEN REALTY

8469 Seneca Turnpike New Hartford

HOLDINGS, LLC Renovated Home s a t R e a s o n a b l e P r i c e s

5112 Lowell Rd, Westmoreland

$199,900

Completely rebuilt. This house was gutted down to the studs and almost everything is new. Features 4 bedrooms and 3 full baths & extra family room Lots of room to spread out in this home! 2 Stall garage, 5 acres of land with small stream and the possibility of a pond. Too many updates to list. VVS Schools and minuets to Rome or Utica.

See our photos on line at www.BRANJEN.com Priced for fast sale at $199,900!

Central New York

245 Church St. Little Falls

$79,900

$159,900

Completely rebuilt farm house on 3 acres. We took this one down to the suds and started over. Huge Kitchen, beautiful hardwood floors, first floor laundry, 3 Bedrooms and 1.5 baths. Master has oversized closet. VVS Schools. This is a must see. 100% financing available for qualified first-time buyer !!!!

24 Merritt Pl New Hartford

$134,900

Completely updated 3 bedroom home with great floor plan. Many Many updates. 100% financing available to qualified first time buyer! This will sell before the snow melts. Be the first to see it. Priced right $134,900.

L i f e and H o m e s

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4 Bedroom 1.5 bath, great 2 bedroom suite for kids space. Oversized garage for 3 cars!! FINANCE with just $500 down and approx pmt of $845/m. Brand new kitchen, hardwoods, first floor laundry.

5116 Lowell Rd, Westmoreland

797-7777

Lease Option financing available - Have you been turned down for a conventional mortgage? If so we may be able to help. We have a lease option program which will allow you to start building equity in a home. Call for details!

www.BRANJEN.com 36

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LifeandHomes

Rentals

Apartments to Rent, Rent-to-Own Homes, Lease options, Seller financing, Commercial Leased properties and Lots for rent.

Apartment for RENT Myers Management

525-6291

New 1BR appt in the Village of Whitesboro at Schoolhouse Appts available March 1st, 181 Main St, includes heat, electric, water, trash, appliances, onsite parking, onsite laundry.

1 bedroom - includes all utilities $550/mo • 1600 Sunset Ave, 1st fl

Call Dan 269-7034

2 Bedroom - includes heat and water. $600/mo • 1629 Sunset Ave

2 Apartments!

Advertise

Your Rental Space HERE

Effectively & Affordably!

315.865.5845

David@LifeandHomes.com

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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

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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

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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

Central New York

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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

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Member Since 05/10

ence Building Log Homes Throughout New York State Including the Adirondack Mountains.

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Member Since 06/07

We will not be undersold. “Stickbuilt Quality” Modular Homes.

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Member Since 07/08

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CEDAR HOMES OF DISTINCTION 315-824-1571 We have our own Crew with over 25 Years Experi-

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SMITH INSPECTION SERVICES, LLC Serving CNY and the Mohawk Valley. Pre-listing 315-363-8074

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& Buyer inspections, Septic Systems, Inspections & Dye Tests,Water Purity.The Only Local NYS DOH ELAP Certified Continuous Monitor Radon Testing Lab in Oneida County.

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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Kitchen & Baths EMPIRE BATH & KITCHEN, INC. 315-733-0408 Empire is a locally owned company featuring Member Since 04/08

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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

Colonial Square Nearly Complete!

Featured Homes $114,900 North Street Move in ready 3 Bedroom, with 1 Bedroom 1.5 Bath income or In law apartment. Lg. Fenced yard

New Construction Buckland Estates from $269,900

3/4 bedroom 1 bath $37,500 Original, natural woodwork & hardwood floors. Well cared for family home. Why pay rent???

3 Bed, 2 Bath Ranch $299,900 Upgrades Galore! Ready by March.

Colonial Square from $189,900

3 Bed, 2 Bath, 2 Car on full basement!

Twin Home ready now!

2 Bed, 2 Bath, 1 Car- Radiant Floor Heat Twin Home!

3 Bed, 2 Bath, 2 Car Detached Home full of luxury features.

Deerfield $199,500 3 bed 2.5 bath 2 car. Perfect move in condition!

Mr & Ms Picky live here, making this an exceptionally well cared for home. Check out this price!

Westmoreland 4 Bed 2.5 Bath 219,900 Ready Now!

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

825 Albro Rd • Hamilton • $189,500

Crooked Brook Rd • Deerfield • $289,900

3300 Rt 20&46 • Bouckville • $167,500

The Cobblestone Store built in 1844 was a harness shop, tavern, hotel and store. Now a multi-dealer antique shop Just 1 mile west of Bouckville corner Rt 20&46. Includes 2 rental apartments.

MLS: 1002567

521 Doe Rd • Bridgewater • $189,500

Beautiful log home in Covered Bredge Estates. 3 bedrooms, 2 baths, 3 stone fireplaces! Hardwood floors, Corian counters, island & upscale appliances, side & rear porches, hot tub & 5+ acres.

MLS: 1002415

Broker/Owner

220 W Main St • Frankfort • $138,500 Gracious updated village home, front porch for rocking chairs, 3 bedrooms, large brick fireplace, kitchen with morning room, deep yard with deck overlooking inground pool & conservation area.

MLS: 1100055

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MLS: 200702688 - 2002 Mulholland Rd, MLS: 1003088 - 454 Tamarack St, MlS: 1003179 - 433 Briarcliff Ave, MLS: 1000722 - 5645 Ottman Road, MLS: 1003126 - Doyle Road, Vienna $349,999 North Utica $99,900 Vernon $155,000 Brookfield $19,500 North Utica $124,900 MLS: 1002673 - 1315 Oswego Street, MLS: 1003692 - McGraw Road, MLS: 1100035 - 9077 Cemetery Rd, MLS: 1003555 - 9606 Round Barn Rd MLS: 200701540 - Paris Road, New Hartford $79,900 West Utica $44,900 Schuyler $160,000 Steuben $102,900 Holland Patent $109,500 MLS: 1003611 - Doyle Road, MLS: 200702937 - Ives Road, MLS: 1001246 - 613 N Madison St MLS: 1003494 - 9614 Morgan Road, Deerfield $30,000 Rome $129,900 Marcy $25,000 Clayville $108,900

www.Life and Homes .com

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L i f e and H o m e s

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

Art VanVechten

February

Beautiful 2 story home, new addition makes 3154 square feet. 4 bedrooms, 2 baths, sunroom, hardwoods under carpets, attached garage, barn and on 3 acres (25 more available) private rural setting!

MLS: 200801201

Jon Purdy Bill Gamett Dick Nikodem Mary Taylor Kathy Maine Tiffany Accattato

LONG-TERM FINANCING FOR COMMERCIAL PROPERTIES We help companies find financing at or lower rates than what is available in the marketplace. We provide consulting services for commercial properties regarding issues of finance, development, acquisition, construction, renovation and refinancing.

Central New York

E X P E R I E N C E YO U

OV E R

2 5 Y E A R S

I N T H E

I N D U S T RY

COMMERCIAL LENDING CONSULTANTS ASSISTING WITH:

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E X P E C T, W I T H

• Construction Financing

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• Hospitals

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