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2012

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Plan of Attack

Oneida County NY, Edition

Beloved football coach Vince Lombardi had a simple, winning game plan, “Attack, Attack, Attack!” Remembered for the values he exemplified, as well as the excellence his demanded of his players, I happen to think Coach’s no nonsense plan was brilliant. It kept his players focused, motivated, and on track. If you’re planning to buy or sell this year, you may want to embrace Coach Lombard’s method and create your own attack plan.

Published By LISI MERCHANT SOLUTIONS, INC. Publication Franchisee, RMC David P. L isi Corporate Editor Kim L isi

Buying? Clean up any pending credit issues. Seek pre-approval so you know exactly how much home you can afford. A professional can help David P. Lisi, RMC you determine how much money you’ll need for down payment, closing Real Estate Marketing Consultant costs, application fees, inspections, appraisals, etc. Draw up your list of 315-865-5845 • David@lifeandhomes.com requirements then start looking at houses - lots of houses.

Kim@LifeandHomes.com

How to Reach Us Press Releases or Letters to the Editor Our e-mail address is Kim@LifeandHomes.com (Please do not send attachments)

Or send to: LifeandHomes Magazine

Selling? Mentally prepare yourself to let go of emotional attachment to the house. Remove clutter from closets, shelves, counters, the attic and basement. Pack personal photos and keepsakes and store off site. Make major and minor repairs. Clean till the house shines then head outside to check for curb appeal. If you’ve chosen to work with an agent, ask them to be blunt and critique your home as a potential buyer would see it.

The buying and selling process can be filled with emotional highs and lows. If you’re working with an experienced agent, trust them to help keep your focus. Stay on task, work with your “team” and remind yourself often of the ultimate goal. Motivated buyers and sellers do what it takes to close the deal and win the game.

i David P. Lis

PO Box 18 Holland Patent, NY 13354

Account Executive DAVID P. LISI

315-865-5845 david@lifeandhomes.com

Premier Mortgage Sponsor Salesperson D avid P. Lisi 865-5845 Distribution 315-865-7418

Advertising Deadline March Issue February 17, 2012

Corporate Office

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

315-865-5845 Fax 1-315-865-7418

LifeandHomes™

Central New York

Premier Mortgage Sponsors

Financing Dreams & Building Relationships 230 S. James St, Rome • 888.256.3800 • www.beaconfederal.com

See our ad on page 40

Your Area’s Common Sense Lending Team

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L i f e and H o m e s

www.LifeandHomes.com For franchise information call, 315-865-5845

See our ad on page 12 2

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 .

Don’t Try to Predict the Future

ACT NOW

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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 © 2012 Lisi Merchant Solutions, Inc.

Moisture on

Windows?

It is difficult to completely eliminate moisture on windows. Inefficient windows or high moisture with inadequate ventilation can result in condensation, frost, or pools of water on windows and sills.

Moisture in the air condenses when it touches a cold surface. (The same effect causes a glass of ice tea to “sweat” on a hot humid day.) Continued excess moisture can lead to mold, mildew, and deterioration of your windows and sills.

To reduce humidity levels in your home: • Use ventilation fans in kitchens and baths to control moisture.

• Vent clothes dryers directly to the outside.

Make sure the vent is attached securely to the dryer and free of lint. Clean the vent at least once a year.

• If you have single pane windows, especially with metal frames, install storm windows or consider replacing your existing windows with ENERGY STAR labeled windows.

• If you can’t afford to add storm windows or replace your windows now, purchase and install a shrink film or polyethylene sheet, window insulation kit from a home center or hardware store.

• If you have a humidifier, check it regularly for proper operation. It could be adding too much moisture to your indoor air. (Energystar.gov) Join the Conversation: Go to www.facebook.com/ pages/LifeandHomes-CNY to leave your thoughts on this and other articles.

* Never “max out” or exceed the limit on your credit card. Over-the-limit fees can raise your interest rate, make it difficult to paydown your debt, and will reflect negatively on your credit report. * Avoid using your credit card for cash advances.

The fees and interest on such transactions are excessively high. Keep credit card receipts to verify the charges on your statement. Contact your credit card company immediately if there are any errors.

You must dispute the errors within 60 days of the billing statement by sending copies of any documents supporting your claim. You may withhold payment for what is in dispute while it is being investigated. (The creditor must resolve the dispute in 90 days, or within two complete billing cycles, whichever is earlier.) * Eliminate the temptation to open a new card by calling 1-888-5-OPTOUT. This will remove your name from marketing lists and prevent companies from sending you prescreened and pre-approved credit offers. (dos.ny.gov) Join the Conversation: Go to www.facebook.com/ pages/LifeandHomes-CNY to leave your thoughts on this and other articles.

Average Home Loan Amounts Vary With mortgage rates continuing to be near record lows, LendingTree.com, an online lender exchange and personal finance resource, recently released data highlighting the average loan amount on residential real estate purchases for all 50 states and Washington D.C. for the year.

By Nancy Kruschke McKinney Has paper taken over your desk, shelves, table, floor, and maybe even the hallway? Does it seem to multiply over night? Then it's time to trim the F.A.T. Try this simple system: File, Act, Toss- to handle the piles of papers on your desk and watch them begin to disappear.

To use this simple system, pick up each piece of paper and take one of the following steps: File - If the paper needs to be kept for future reference, then file it. File it immediately in the correct folder or place it on the "to be filed" shelf. If you don't already have a special place to put papers "to be filed" (such as a separate shelf or folder), set one up immediately! This is an essential tool in any office or home.

Act - Does the paper require action? Who needs to do it? If you need to do the action and you can handle it in two minutes or less, then do it now. If it will take longer than two minutes, pull out your calendar or "To Do List" and schedule time. If you don't need to handle it, pass it on to the person who does.

Toss - Is it junk mail? Out of date? Does someone else in your workplace keep a copy? Or will you be able to retrieve the information elsewhere if you should need it in the future? If the answer is "Yes" to any or all of these questions, then toss it!

Use the F.A.T. system on a daily basis and you'll notice that suddenly YOU are controlling the papers-the papers aren't controlling you.

Happy Trimming!

Nancy Kruschke, owner of Successful Organizing Solutions (S.O.S.) is an organizing coach, consultant, and speaker.

Nancy can be reached at 608-441-6767 or Nancy@SOSorganize.net or visit www.SOSorganize.net.

Join the Conversation: Go to www.facebook.com/ pages/LifeandHomes-CNY to leave your thoughts on this and other articles. www.Life and Homes .com

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Hawaii, by far, leads the nation with an average home loan amount of $677,299, followed by Washington D.C. at $393,453, New Jersey at $344,240 and New York at $340,124. The states with the lowest average home loan amounts are Mississippi at $137,182 and Nebraska at $137,515. The national average for a home loan is $222,261. (RealEstateRama)

Trim the F.A.T.!!!

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* Only spend what you can afford. Remember that credit is a LOAN — not a gift. Credit card companies make their money when you don’t pay your bill in full at the end of the month. “Borrowing”

money from your credit card company can be more expensive than borrowing from a bank.

February

How To Avoid Credit Card Debt

newsShorts

Pending Home Sales

Continue to Soar

The National Association of Realtors® reports pending home sales continued to gain in November and reached the highest level in 19 months.

The last time the index was higher was in April 2010 when it reached 111.5 as buyers rushed to beat the deadline for the home buyer tax credit.

The data, as reported in the Pending Home Sales Index, reflects contracts but not closings.

Lawrence Yun, NAR chief economist, said the gains may result partially from delayed transactions. “Housing affordability conditions are at a record high and there is a pent-up demand from buyers who’ve been on the sidelines, but contract failures have been running unusually high. Some of the increase in pending home sales appears to be from buyers recommitting after an initial contract ran into problems, often with the mortgage,” he said. (Realtor.org Press Release) Join the Conversation: Go to www.facebook.com/ pages/LifeandHomes-CNY to leave your thoughts on this and other articles.

Did You Know…

A person uses approximately fifty-seven sheets of toilet paper each day.

Central New York

The first commercial microwave oven was called the "1161 Radarange" and was the size of a refrigerator.

Approximately 10.5 gallons of water is used in a dishwasher. Washing the dishes by hand can use up to 20 gallons of water.

L i f e and H o m e s

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Due to the shortages of lead and metals during World War II, toothpaste was packaged in plastic tubes and have been ever since.

Elastic waist clothing was introduced during WWll because the metal used in zippers was badly needed for the war.

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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 .

newsShorts On average, a disposable diaper can hold up to 7 pounds of liquid.

Q-Tip Cotton Swabs were originally called Baby Gays.

The ballpoint pen was first introduced to the US in 1945 in NY's Gimbels Department Store. The whole stock of 10,000 pens sold out the first day for $12.50 each.

The first toilet being flushed in a motion picture was in the movie "Psycho."

The only king without a moustache in a deck of cards is the king of hearts.

The typical lead pencil can draw a line that is thirty five miles long.

New Mortgage Rules

Spawn Scams

Some homeowners who are “under water” with their mortgages can refinance under the new Home Affordable Refinance Program (HARP), but the Better Business Bureau is warning consumers that banks and mortgage companies aren’t the only ones gearing up for the rush of applications.

your lender, a lawyer or a credit counselor, or who asks for payment by cashier’s check or wire transfer. * Never sign over your deed to anyone, or allow yourself to be pressured into signing something you don’t understand. * Be especially careful of look-alike and soundalike websites. * Find out if you qualify here or by calling the Homeowner’s HOPE Hotline at 1-888-995-HOPE (4673) to speak to a HUD-approved housing counselor for free The changes to the HARP program were announced

by President Obama in October to allow homeowners to refinance at lower interest rates, even if their home is currently worth less than their mortgage. The new HARP rules apply to homeowners who are current on their payments and whose loans are backed by either FannieMae or FreddieMac.

Adventures in House Hunting

“Whenever there is a new or updated government program that may be a bit confusing, scammers come out of the woodwork to take advantage of that confusion,” said Katherine Hutt, spokesperson for the Council of Better Business Bureaus. “There are already hundreds of websites claiming to be able to help homeowners through the HARP process, but many of them are rip-offs and scams.”

On Demand Video at www.LifeandHomes.com Click on Video Channel

BBB is warning homeowners to: *Deal directly with your lender first, and never make payments to anyone other than your lender. * Don’t pay upfront fees to anyone who promises to provide counseling, takes care of the paperwork for you, or stops the foreclosure process. * Be wary of anyone who tells you not to contact

TV & Video Channel

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

315.292.8617 (Cell) homes@richardparent.com

Featured New Listing South Utica

• Be the first to know!

• Hot new listings & price updates!

• Tailored to meet your exact needs!

Contact me or visit my website for Exciting Details!

Thendara (Old Forge) $299,900 Chadwicks

$239,900 Leyden (Boonville) $210,000 Brookfield

$199,900 Barneveld

$165,000 West Winfield

$144,900 Mohawk

$123,375 Barneveld

$112,000 West Winfield

$93,900 North Utica

$84,900 Yorkville

$79,500 Otter Lake

230 Spruce Drive - Gorgeous Adirondack year round 3 bedroom Cape, custom kitchen, granite counters, spacious loft & family room, covered porch & private rear deck, much more!

Russia

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.

South Utica

135 Hawthorne Ave - Well kept S. Utica 2 family, updated kitchen & baths, 3 BR’s each apt, new windows, vinyl siding, sep. utilities, excellent rental area.

205 Florence Court - Newer 4 BR 2,352 sq/ft Colonial, key upgrades, gorgeous kitchen, impressive master suite, central air, beautiful hardwoods and much more!

149 Truax Road - Classic 2,400 4 BR sq/ ft colonial, dramatic new kitchen & tons of updates! Minutes from Cooperstown, move in is an understatement!

621 Herkimer Rd - 4 Bedroom 1,970 Sq/ Ft 2 story, in law apartment potential!

Circular driveway from Sunlit Terrace, updated kitchen, fire placed living room.

1718 Thayer Hill Road - Immaculate 2,240 Sq/Ft 3 bedroom colonial, upgraded kitchen, master suite, home office, radiant heat & more

5 Fulmer Street - 4 bedroom village home has been completely remodeled and shows meticulous detail throughout, gorgeous new kitchen & baths are just the start!

5 Trinity Ave -Move right in! Well maintained 4 bedroom 2 story, 1,825 sq/ ft of spacious living, fantastic area & close to shopping

$159,900

1 Regent Court - Beautiful 1,901 sq/ft stone ranch on a quiet Cul-de-sac & rare triple city lot!

Stunning open bright kitchen, well appointed spacious floor plan, formal dining & living rooms, separate family room, private study or 3rd bedroom, cozy radiant wall heat, new furnace, attractive park like yard & landscaping .

FREE Daily Customized Home Searches - Right to Your Inbox!

2234 Vidler Road - Pristine 3 BR quality cedar log home on 2+ acres, amazing views! Custom upgraded kitchen with granite, huge master suite, office & more!

121 Mappa Ave - Historic 3,288 sq/ft village 2 story 2 family, large country kitchen, barn w/ loft, 3 gorgeous village acres.

$182,500

$109,000 Sauquoit

$99,500

751 North Winfield Rd - Well kept 3 Bedroom ranch in rural 1.3 acre setting just outside village! Open kitchen & living room layout, fantastic yard & gardens!

$69,900 Barneveld

14045 State Rt. 28 - Affordable 4 BR camp with lake rights! Convenient location, enjoy the seasons in your own Adirondack getaway.

$199,900 Rome

7357 Trenton Road - Excellent income opportunity in this unique 2 Family with acreage, separate utilities, sold with additional 2,846 sq/ft Victorian home for $239,900.

1752 N. George St. - Exceptional 3 bedroom expanded colonial, gorgeous kitchen, amazing sunroom, private yard, pristine hardwoods, new master bath, central air, key updates.

10041 Roberts Rd -Short sale! 3 BR Sauquoit ranch, rural setting, open kitchen layout, spacious living room, hardwoods, vinyl siding & newer roof, Sauquoit schools

$59,900 Clark Mills

7357 Trenton Road - Excellent income opportunity in this unique 2 Family, sold with additional 2,846 sq/ft Victorian & acreage, Holland Patent schools.

$44,900

6 Millpond Crossing - 1,792 sq/ft 4 bedroom newer spacious doublewide in popular Millgate Meadows, separate FR, central air, Clinton Schools, Priced to sell!

Commercial Properties

Featured Listing $135,000

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Rome

$699,000 Thendara (Old Forge) $299,000 Rome

Prime commercial high traffic corner property Building offers many commercial uses, wide adjacent to Lowe’s, many possibilities for open interior to suit, 3,200 sq/ft main level, this excellent development sight!

800 sq/ft office, 3 phase electric, overhead doors, large lot, plenty of parking!

$299,900

518 N. James St - Outstanding location offers high traffic & visibility for this 2 pump gas station, 15 X 8 building houses attendant & light retail, solid investment!

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

9 Beverly Place - Strong curb appeal in this spacious 2,771 sq/ft 5 bedroom colonial in sought after S. Utica location! Offers dramatic entrance, large open kitchen w/pantry & formal dining, multiple fire placed living/family rooms, 1st floor laundry, enclosed front porch, lots of room for entertaining, Jones School.

February

South Utica

Don’t Let High Commissions Take a Bite Out of Your Home’s Equity BROOKFIELD

Central New York

1427 Graffenburg Rd-4 bdrms, 2 ½ baths, 1900+ sq. ft, hardwoods, deck. $149,900 9680 Doyle Rd-3 bdrms, 1500+ sq. ft, 2+ acres. FRANKFORT 1905 Tilden Ave -3 bdrm, Sherman hills Ranch, $35,500 321 Bee St- 3 bdrm, Ranch, 7 years young, 2 2 baths, fireplace, hardwoods. $144,900 baths, deck. $94,900 CAMDEN 23 Geraldine Ave-3 bdrm, Ranch, 1 ½ baths , 2521 Miliddy Rd- 4 bdrms, 1 ½ baths, 1600+ sq. 3793 South Side Rd -2 bdrms, hardwoods, great 1800+ sq. ft, fireplaces, decks. $139,900 lot. $84,900 ft, deck, new kitchen, newer roof. $109,900 1 Norwood Rd - 3 bdrm, Ranch, 2 baths, upHERKIMER CANASTOTA dated kitchen, hardwoods, central air, great lot.

502 N. Main St- 4 bdrms, 1 ½ baths, 2100+ sq. ft, 507 W. Lake Ave- 3 bdrms, SunRoom, great lot. $129,900 $52,900 Carriage house, newer roof, furnace and win23 Winmar Cres-3 bdrm, Ranch, 2 baths, firedows. $189,900 place, hardwoods. $99,900 ILION 6 Francis Rd-2/3 bdrm, Ranch, eat-in kitchen, 32 Harriet Ave- 4 bdrms, 3 baths, 2300+ sq. ft, CLARK MILLS hardwoods, vaulted ceilings, finished basement. great lot. $99,900 7 East St-3 bdrms, 1600+ sq. ft, hardwoods, 1440 Ney Ave-3 bdrm, Ranch, newer kitchen, PRICE REDUCED $229,900 updated kitchen, Clinton Schools. $59,900 60 W. Clark St-3 bdrms, 1 ½ baths, hardwoods, bath roof and windows. PRICE REDUCED CLAYVILLE $84,900 2000+ sq. ft, deck. $89,900 9969 Cedar Lake Rd-JUST LISTED 4 bdrms, 1 12 Hillside Pl-JUST LISTED 3 bdrms, refinished 6 Esmerelda Ave-2 bdrm, Ranch, deck, fresh ½ baths, 1700+ sq. ft, 2 acres, country setting. paint and carpet. PRICE REDUCED $59,900 hardwoods, updated kitchen and bath, deck. $164,900 $72,900 NEWPORT CLINTON 3116 School St. - 4 bdrms., 2 baths, 2,500+ sq.

NEW HARTFORD 7106 State Route 5- 3 bdrm, Ranch, 2 baths, 112 Danberry Circle -3 bdrms, 3 ½ baths, 3200 sq. ft., deck, newer windows. $64,900 2200+ sq, ft, fireplaces, many possibilities. ft, open floor plan, deck, views. $449,900 NEW YORK MILLS $119,900 129 Gilbert Rd-JUST LISTED 4 bdrm, Ranch, 3 ½ 17 Royal Brook Lane-3 bdrm, Ranch, 1 ½ baths, DEERFIELD baths, 3400 sq. ft, 1+ acre, “2” fireplaces, hardwoods, central air, newer kitchen, bath and windows.

11370 Bell Hill Rd-3 bdrms, 3 baths, 2300 sq. deck. $389,900 $129,900 ft, 5+ acres, hardwoods. Whitesboro Schools.

101 Jewel Ridge Dr - newer Construction! 4 bdrm, NORTH UTICA $199,900 Colonial, 2 ½ baths, 3300 sq.ft, hardwoods, central 604 Coolidge Rd- 3 bdrms, 1½ baths, hardair, deck. DRASTICALLY REDUCED $329,000 EAST UTICA woods, new roof and electrical. $79,900 603 Pleasant St- 5 bdrms, 1 ½ baths, 1900+ sq. 2896 Graffenburg Rd-JUST LISTED 4 bdrm, Colo- 525 Parklane Dr- 3 bdrm, Ranch, living, Famnial, 2700+ sq.ft, fireplace, hardwoods, new furnace, ft, updated kitchen, hardwoods. $139,900 ily Room additions, newer windows and roof. deck. $229,000 1129 Hilton Ave-4 bdrms, 1 ½ baths, hard$79,900 woods, newer furnace and windows. $109,000 3415 Snowden Hill Rd- 2 bdrms, 2 baths, NORWAY 6+ acres, hardwoods, open floor plan, deck.

1217 Greenview –3 bdrms, hardwoods, desir270 Sulphur Springs Rd-13 years young, 4 $189,900 able location. $107,900 bdrms, 4 baths, 2100 sq. ft, 34+ acres, fireplace, 1902 Rutger St-3 bdrms, hardwoods, open floor 9871 Sessions Rd-3 bdrm, 5 years young, Ranch, 2 baths, 1600+ sq. ft, open floor plan, 1st radiant floor heat, deck. $259,900 plan, newer furnace. $98,900 1615 Conkling Ave-JUST LISTED 3 bdrms, hard- floor laundry. $174,900

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woods, updated kitchen and bath. $54,900

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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 .

Don’t Let High Commissions Take a Bite Out of Your Home’s Equity ORISKANY

SCHUYLER

WHITESBORO

123 Elm St- 3 bdrm, 7 years young, Colonial, 2 ½ baths, 1700 sq. ft, deck, newer windows. $134,900

2099 State Route 5-3 bdrms, 2 ½ baths, 2000 sq. ft, 1st floor laundry, deck. Whitesboro Schools. $159,900

ROME

SHERRILL

307 W. Thomas St-5 bdrms, 3 baths, 3000+ sq. ft, hardwoods, newer electrical and plumbing. $124,900 5974 Lorena Rd- 3 bdrms, 2 baths, 1+ acre, hardwoods, 1st floor laundry, deck. $109,900 1100 Jervis Ave-JUST LISTED 4 bdrms, hardwoods, newer roof and windows, views. $85,900 429 E. Locust St. - 3 bdrm. ranch, updated furnace and roof. $74,900 904 Highland Ave-3 bdrm, Ranch, hardwoods, eat-in kitchen. $69,900 1017 Clinton St - 2 bdrm, Ranch, oak kitchen. $69,900 402 W. Court St-4 bdrms, 1 ½ baths, hardwoods, newer furnace. $59,900 7323 Seifert Rd-2 bdrms, hardwoods, views, great yard. PRICE REDUCED $37,900

326 Sherrill Rd- 3 bdrms, 2 baths, 1700+ sq, ft, 1st floor laundry, great lot. $139,900

112 Ben Bar Circle-3 bdrm, Colonial, 2 ½ baths, 1800+ sq. ft, hardwoods, 1st floor laundry. $244,900 111 Ben Bar Circle-JUST LISTED amber Crossing! 4 bdrm, Colonial, 2 ½ baths, 1800+ sq. ft, deck. $235,500 14 Olena Dr-4 bdrms, 2 baths, 2100 sq. ft, hardwoods, fireplace, deck. $189,900 7 Cheriton Dr- 3 bdrm, Ranch, 2 baths, central air, hardwoods, newer kitchen and windows. $169,900 9 Olena Dr-4 bdrm, Ranch, 1 ½ baths, hardwoods, updated kitchen, deck. $132,900 30 Hughes St-3 bdrms, 2 baths, fireplace, hardwoods newer roof. $109,900 14 Pine St-3 bdrm, 1 ½ baths, 1700 sq. ft, hardwoods, new kitchen and baths. $99,900 40 Beechnut Terr-3 bdrm, Ranch, updated kitchen, newer electrical, roof and siding. $96,900 23 Goodell Ave-3 bdrms, hardwoods, new kitchen, bath, windows and siding. PRICE REDUCED $84,900 55 Ashwood Ave-3 bdrm, Ranch, newer kitchen and windows. PRICE REDUCED $59,900

SAUQUOIT

2200 Douglas Cres-3 bdrm, Colonial, hardwoods, fireplace, newer furnace, roof and windows. PRICE REDUCED $149,900 111 Harter Pl-JUST LISTED 3 bdrms, hardwoods, newer windows, furnace and roof. $84,900 112 Hopson St-JUST LISTED 3 bdrms, hardwoods, Formal Dining, great location. $76,500

VERONA 5600 E. Main St. - Prime commercial acreage!

2+ acres. Frontage on Rt. 365. $125,000

WESTMORELAND 7689 Stone Rd- 3 bdrm, Ranch, 2 baths, deck. $124,900 7371 E. Main St-Two Family! Separate Utilities.

1 acre. $104,900 6483 W. South St-2 bdrms, hardwoods, 1st floor laundry, views. $69,900

WEST UTICA 1007 Downer Ave-3 bdrms, 2 baths, new kitchen and furnace. $48,900

YORKVILLE 21 Bayliss Ave-JUST LISTED 3 bdrms, hardwoods, updated kitchen and bath, new furnace, roof and windows. $114,900

WEST WINFIELD 205 Griffith Rd- 3 bdrm, Ranch, 9 years young, 2 baths, 40+ acres, views. $225,900 570 East Main St - 3 bdrm, Ranch, hardwoods, new windows and roof, updated bath, views. $109,900

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L i f e and H o m e s

February

9439 Jaclyn Ave - 4 bdrm, Colonial, 2 full, 2 half baths, hardwoods, finished basement, decks, views. DRASTICALLY REDUCED $229,000 2678 Holman City Rd-4 bdrms, 2 baths, 2+ acres, 2700+ sq. ft, fireplace, hardwoods. $209,900 3088 Oneida St. - 3 bdrms., 1,900+ sq. ft., 1 acre, updated kitchen, new roof and windows. $164,900 3281 Oneida St - 3 bdrms, 1 ½ baths, 1,500+ sq. ft, hardwoods, 4+ acres, Sauquoit Schools. $114,900

SOUTH UTICA

Century 21 Terra Real Estate 3166 Seneca Turnpike, Canastota, New York 13032

315-697-3400

TERRA REAL ESTATE

Delightful Waterfront

Practically new ranch with expansive yard and lake views. Private setting. Full walkout 1500+/- square foot basement perfect for in-law suite includes 5th bedroom, full bath, kitchenette and family room all leading to a covered patio. $269,000.

C21TerraRE@gmail.com www.Century21TerraRealEstate.com

Move-in Ready

Conveniently located home has 3 bedrooms, walk-up attic and full walk-out basement. Enclosed front porch and deck in back overlooking a partially fenced backyard. Now priced at $74,900.

Wonderful Neighborhood

Immaculate home in great neighborhood. Four bedrooms, 2.5 baths, expansive family room, country kitchen, finished basement, cathedral ceilings, some hardwood floors, ceramic tile and 2 car attached garage. Move-in condition. $187,500.

Updated 2 Family

First floor has 3 bedrooms and second floor has 2 bedrooms. New in past 10 years: siding, windows, 2 electric entrances and 2 gas boilers. Large private back yard. Full basement. Great for owner occupied. $69,900.

New Construction

Spacious 1500 sq ft plans with 3 bedrooms, 2 baths, open floor plan, cathedral ceiling in living room and attached garage or bring your own plans. 5+ acres in a beautiful country setting. $150,000.

Mindy Martin-Robb, 697-3400x21.

Land

VVS Schools

Pleasant, well kept ranch has 3 bedrooms, hardwood floors, updated kitchen, full basement, attached garage, deck, pool and quiet, private fenced rear yard plus 2 story storage barn. $84,900.

Mindy Martin-Robb, 697-3400x21.

Recreation Property

Wonderful 130 mile recreation, hiking, fishing, horseback riding, snowmobile riding trail system.

13,000 acres of state forest adjacent to rear property line. Cabin has well water, septic, kitchen, bath and 4 bedrooms on 5 acres. $89,000.

Community Service Zone

Good commercial location, high traffic, high visibility with 3.5 acres and 360 feet of road frontage. House with 3100+/- sq ft could be converted to nice office or retail/ service use. Large detached barn in good condition.

Parking for 8-10 cars. $249,000.

High Traffic, High Visibility

Great location on Route 5 in the City of Sherrill. Currently leased to a pizzeria in business for 15+/- years. Space available for a second tenant or owner occupation. $69,900.

ARTHUR JENKINS AVE, LENOX, 0.23+/- AC, $10,000.

BLACKMANS CORNER,VERONA, 5+/- AC, $16,000.

BLACKMANS CORNER,VERONA, 31+/- AC, $44,000.

CANAL RD, LENOX, 1+\- AC, $39,900.

ELM ST, ONEIDA, 10.7+/- AC, commercial, $34,900.

I-90 & RT 13, LENOX, 20+/- AC, commercial, $80,000.

LAY RD, MADISON. 1.43+/- AC, single wide mobile lot, $12,900.

OSWEGO RD/ROUTE 13, CAMDEN, 76.8+/- AC, $45,000.

ROCK RD,VERONA, 3+/- AC, $15,000.

RT 5, ONEIDA, 3.7+/- AC, commercial, $78,000.

RT 5, LENOX, 2.6+/- AC, commercial, $78,500.

SEEBER RD, LINCOLN, 2+/- AC, $25,000.

WARNERS RD, LENOX, 26+/- AC, recreational, $39,900.

Denise Witchley Bonnie Sieffert Lic. Real Estate Broker/Owner Lic. Real Estate Agent

Central New York

“The Key to your front door”

L i f e and H o m e s

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Durhamville

$39,900 Rome

$49,900 Rome

335-6971 cell 525-6801 cell 337-0841 office

$43,000 Rome

$74,900 Rome

4165 Senn Rd

535 W. Embargo Street

600 Park Dr

Adorable 2 bedroom mobile home with addition.

Sunroom. Approx 450 sq. ft. Central air, propane fueled generator - just in case! 2 stall detached garage. Lot is aprox 100x200. Nice area.

Downsizing? First home? This could be the one.

Come see!

Adorable starter home! Nice back yard with parking area. Open kitchen. Front porch to living room. Three bedrooms upstairs with a special use room - maybe a bath? Office?

Weights? Additional play? Come see!

3 bedroom cape with 1st floor laundry. Newer 3 bed, 2 bath adorable ranch in convenient windows, vinyl siding. 2 stall detached garage. location. Everything on one floor. Nice layout.

There is an additional kitchenette and full bath Back yard with plenty of parking and covered patio. upstairs. Needs some TLC. Great rental possibility?

Call Bonnie today.

QSN#130313

QSN#42443

311 N. Levitt St.

QSN#130314

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

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

$80,000

6607 Bartlett Rd Wonderful property for the person who likes fixer-uppers. Old farmhouse and farm buildings. Approx. 37 acres. A ‘diamond in the rough’ for sure!

QSN#33888

HUNT Real Estate is home to some of the most elite agents in the Oneida-Utica Marketplace.

730 Lenox Ave, Oneida 13421 363-5533 8380 Seneca Turnpike, New Hartford 507-2275 119 Genesee St, Chittenango 687-6109

HUNTREALESTATE.COM

Oneida 363-5533

Mary Rouse Manager

Richfield Springs

$299,000 Oneida

$270,000 Deerfield

$259,900

Whitestown

$217,500

Wampsville

$159,900

Canastota

$155,000

Camden

Beautiful 4 bdrm Victorian home w impressive original woodwork, many modern updates, 2 car attached garage.

Ryan Kirch, 264-4198

$149,900 Oneida

Wonderful victorian! Beautiful staircase, leaded glass entry,huge LR w/FP, formal dining, butler’s pantry and hardwoods throughout.

Mary Pat Adams, 761-5484

$149,900 Vienna

$144,900

Oneida

$142,900

Utica

$122,000

Whitesboro

$119,500

Oneida

$107,000

Oneida

$105,900 Verona

$99,900

Utica

$96,900

Verona

$89,900

Yorkville

$88,000

Rome

$83,900

$64,900

Florence

$59,900

Oneida

$54,900

Oneida

$49,900

4 bdrm chalet w quiet setting on a private road w 40 acres and 240’lake frontage on Canadarago Lake! Updated kitchen w granite counters!

Amanda Reinfelds, 404-9154

Spectacular Ranch in tip top shape. 2 bdrm, 1.5 bath move in ready home w fenced yard and Trex decking. Many recent updates!

Jackie Haley 430-7173

Manufactured home w stick built addition. 4 bdrm, 2 baths, 2 heated garages w workshop on over an acre w trout creek.

Jeanette Denney, 240-3814

Utica

This is the one you’ve been waiting for!

Meticulous 3 bdrm, 3 bath home w open floor plan, spacious kitchen and finished basement!

Gaetano Belmonte, 794-3941

Nestled in the woods on 28 acres, 4 bdrm, 2 bath home w lg kitchen, wrap around decking, finished basement. A bargain at this price!

Dean Shlotzhauer, 761-9729

Lovely stone cape on double lot. 3 bdrm, 1.5 bath home w new roof, newer furnace conveniently located near casino and thruway.

Anna Collins, 264-1270

$69,900 Whitestown

Quiet location for this 3 bdrm, 1 bath ranch w many recent updates including windows, bath, electric, flooring. Beautifully landscaped.

Jim Lenahan, 723-2270

Secluded 2 bdrm cabin on nearly 2 acres, surrounded by state land, near snowmobile trails. Modern kitchen and bath. Great Get Away!

Ryan Kirch, 264-4198

Immaculate Colonial in great neighborhood.

New SS appliances, spacious LR, formal DR, hardwoods, new furnace, new bath. A MUST SEE! Linda Ebby, 272-6958

Water Access w this Cute 2 bedroom bungalow, in the heart of Sylvan Beach Resort, walk to beach and amusement. Very neat & clean.

Dean Shlotzhauer, 761-9729

Great possibilities! Strong and solid, this home just needs TLC and updating. 4 bdrm, 1 bath home on corner lot.

Sue Rosendale, 374-7451

GSAR

Greater Syracuse Association of REALTORS® www.cnyrealtor.com

www.Life and Homes .com

10 year old 3 bdrm 2 bath Colonial with large fenced yard, 2 car garage and partially finished basement.

Penny Wuest, 264-8212

4 bdrm, 2 bath village home w beautiful Rochester hardwood floors, new windows, new furnace, new hot water tank and a new stockade fence.

Cynthia Koch 316-3126

Loads of character in this classic Colonial.

Gleaming hardwoods, sunfilled rooms, 4 bdrms, 1.5 baths, large 2 stall garage. A must see!

Karen Novak, 723-4538

4 bdrm Colonial w new furnace, newer windows and large fenced back yard. Would make a great starter home!

Anna Collins, 264-1270

Greater Utica Rome Board of REALTORS®

9

L i f e and H o m e s

3 bdrm, 1.5 bath ranch w oversized family room addition w fireplace. New roof, new windows, new gas fireplace, new water heater and more!

Gaetano Belmonte, 794-3941

Wonderful 3 bdrm home on quiet side street.

Large unfinished 2nd floor offers many possibilities for expansion.

Lynn Denby, 762-8797

Expansive home on a quiet st. w multi-level decks, above ground pool, and an IN-LAW APARTMENT w separate entrance, deck,and driveway.

Shari Kimball, 264-9230

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Nice 2 family w oversized, fenced back yard .

Updated roof, windows, insulation & siding.

1 year HOME WARRANTY included!

Lorene Prenderville, 868-3330

Looks & feels like new! 4 bdrm, 2 bath home w updated kitchen, baths, windows & flooring. This home is move-in ready!

Jim Lenahan, 723-2270

February

This home has it all! New roof, windows, doors, new baths, water heater, heating system and plumbing! 3Bdrm, 1.5 bath home w large yard.

Karen Novak, 723-4538

Incredible property w beautifully remodeled 4 bdrm, 3 bath home, spectacular views and great barn. Nothing is missing here!

Lynn Denby, 762-8797

#1 Coldwell Banker in New York State

Congratulations to these Top Producers Forestport

$715,750

Located at the end of the road on White Lake.This camp is situated on a point so there is water view from every room.

Snowmobilers dream, trails all around.

Pat Townsend Ext. 218

Marcy

$239,800

Central New York

Immaculate contemporary, cathedral ceilings, new roof, energy eff. windows, new Brazilian cherry hws on 2nd floor. Stamped concrete entrances & new landscaping.

Debbie Roberts Ext. 239

L i f e and H o m e s

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Rome

$179,000

Quality ranch featuring open floor plan in highly sought after neighborhood.

Cathedral ceilings, sun room, attached garage. This is a must see home!

Laura Minard Ext. 205

Verona

$359,900

Horse Farm w/ 23 acres, 3 bed 2.5 bath updated home 8 Stall Horse post beam barn, fenced & cross fenced. Hay loft holds 2,000 bales hay. Can purchase w/ 14+/- acres.

Laura Minard Ext. 205

Rome

$229,900

An ENERGYSTAR duplex VILLA beyond upgraded & beyond beautiful! A kitchen most cooks dream of. Open floorplaneasy living in one of Rome's newest area's!

Jan Cidzik Ext. 209

Rome

$174,500

Spacious & Updated. Lg. Kitchen w/island, Family Rm w/fireplace, Finished basement has Rec Room, workshop & apartment w/full kitchen living area bed & bath.

Laura Minard Ext. 205

Lee

Phil Russo

$329,900

Custom built home features an Opper Kitchen, 2 fireplaces, open floor plan.

In-ground heated pool, hot tub and large yard with children's playset.

Laura Minard Ext. 205

Brookfield

$199,900

Pristine 3 bedroom quality cedar log home on over 2 acres offers many surprises & amazing views! Custom upgraded kitchen w/ granite, huge master suite.

Richard Parent Ext. 203

Russia

$165,000

Classic 3 BR federal style home set on 3.8 park like acres! Open kitchen, loft sunroom, cherry hardwoods, original features, barn/garage, workshop.

Richard Parent Ext. 203

Jan Cidzik

Thendara

$299,900

Gorgeous Adirondack year round 3 bedroom home boasts an amazing upgraded custom kitchen w/granite counter, dramatic vaulted entrance, stunning pine ceilings.

Richard Parent Ext. 203

Barneveld

$199,900

Stunning updated 5 BR 2,846 sq/ft Victorian on approx 8 acres. Updated kitchen w/ island & stainless appl.

Additional 2 family home available.

Richard Parent Ext. 203

Utica

$159,900

Beautiful stone ranch on a quiet Cul-desac! Stunning open kitchen, well appointed spacious floor plan, cozy radiant heat, new furnace, an excellent move in home!

Richard Parent Ext. 203

Jodie DeCosty

Rome

$249,900

Custom built 3 bedroom, 2.5 bath home on over 5 acres. With over 2500 sq. ft. plus a finished bonus room, this home features a beautiful open floor plan.

Diana Raymond Ext. 207

Utica

$199,000

Charm abounds in this stately brick English Tudor. This home boasts 2 fireplaces, formal dining room, family room, library and more! Offers Encouraged!

Gloria Rocci Ext. 217

Boyleston

$159,000

Come to the country and enjoy this large 5 bedroom, 3 full bath home on 44.29 acres. 34x40 barn has 3 horse stalls. Trials for riding horses, & snowmobiling.

Pat Townsend Ext. 218

4957 Commercial Drive, Yorkville NY Call 768.1680 10

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

The PRIME example in Real Estate!

Boonville

$150,000

True Log Home year round or seasonal this 5 bdrm 2 bath log home will impress you. Open kitchen,dining & living room.

Great trails for snowmobiling.

Pat Townsend Ext. 218

New Hartford

$129,900

Warm & Comfortable! Family room w/ beamed ceiling and gas fireplace. Beautifully maintained. Lovely perennial gardens enhance this property. Offers Encouraged!

Gloria Rocci Ext. 217

Utica

$115,000

3 Bedrm Ranch w/ 3 stall garage on corner lot. Freshly Painted interior, updated bath, new carpeting. Newer 96% efficient furnace/CA, Roof '07, front porch '10.

Pat Townsend Ext. 218

Utica

$79,000

Gloria Rocci

Ext. 217

$149,900

Prospect

$129,900

This 4 bd, 2 bath home has endless possibilities. Lg kitchen w/ pantry, dining, living, & family rooms. Updates incl. windows, insulation, & electical.

Diana Raymond Ext. 207

Utica

$114,500

A nice, well maintained, 4 bedroom, 1.5 bath, home w/ an up to date neutral decor.

This home also has a garage, lg driveway and gardens front and back.

Diana Raymond Ext. 207

Rome

$62,500

Currently turnkey Beauty Salon on main level, can easily convert back into apartment rental. 2nd fl has a beautiful lg 2 bedroom apartment. Has many possibilities.

Jan Cidzik Ext. 209

West Winfield

$144,900

Classic 2400 sq ft Colonial w/4 bedrooms, dramatic new kitchen & tons of updates!

Minutes from Cooperstown. Move in condition is an understatement!

Richard Parent Ext. 203

Rome

$127,500

Well maintained Ranch home w/ 4 bedrooms, 2 full updated baths and half bath in master. Large lot to the rear for added privacy. Home is in move in condition.

Laura Minard Ext. 205

Utica

$109,900

Charm & character throughout. The spacious foyer welcomes you, updated eat-in kitchen, formal dining & living room, 3 bedrooms, 1.5 baths.

Jodie DeCosty Ext. 201

Herkimer

$64,900

3 Unit investment property, well maintained, fully rented with separate utilities. Conveniet location close to amenities.

Debbie Roberts Ext. 239

Utica

$135,000

Spacious 2,771 sq/ft 5 bdrm colonial, large open kitchen w/pantry & formal dining, multiple fire placed living/family rooms, 1st floor laundry.

Richard Parent Ext. 203

Utica

$119,900

Move right into this 5 bedroom, 2 bath 2 Story home. Recent updates include furnace, bathrooms, roof, deck and front porch.

Phil Russo Ext. 212

Whitesboro

$109,000

Great 4 bedroom, 1.5 bath split level home w/ hardwood floors & newly remodeled living room. Fenced yard & 2 tiered deck leading to above ground pool.

Pat Townsend Ext. 218

Clinton

$59,900

Pride of ownership throughout this 3 bedroom, 1Ω bath doublewide home on private land! Completely updated and ready to move in. Clinton Schools Diana Raymond Ext. 207

Waterville

$133,500

Incredible turn-key investment opportunity, great cash flow, plenty of parking with a 4-car garage on a double lot. A village home with a great tenant base.

Scott Kelley Ext. 242

Utica

$115,000

Well built 3 bedroom, 1.5 bath ranch on a beautifully landscaped lot. Large bedrooms and a fun man-cave in basement. Newer roof, furnace & central air!

Jan Cidzik Ext. 209

Whitesboro

$89,500

Updated, well maintained 3 bedroom home w/ 2 baths. Original woodwork, hardwoods, formal dining, cozy breakfast area w/ skylights. Heated sunroom.

Debbie Roberts Ext. 239

Westmoreland

$34,900

A great opportunity for new construction.

Gas & electric at road.Well and septic required. Property has been surveyed and is marked. Steam in rear of property.

Debbie Roberts Ext. 239

February

Affordable & Adorable! E-Z living on one floor. Attic expansion for 3rd bedroom, electrical in place. Large corner lot.

Bridgewater

Custom chalet privately situated on a 14.5 acre parcel! Spotless interior, custom appliances, new windows and flooring.

Large deck overlooks a beautiful pond.

Debbie Roberts Ext. 239

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www.ColdwellBankerPrime.com

www.Life and Homes .com

11

L i f e and H o m e s

The Area’s Premiere Real Estate Search Engine!

Introducing Your Area’s Common Sense Lending Team At Commonfund Mortgage

Trudy Hurd

Joe Sovare

(315) 764-0291

(315) 430-4778

Senior Loan Officer NMLS #623939

Sales Manager NMLS #128782

Trudy Hurd has over 25 years of mortgage lending experience in the Utica area and is known by past customers and real estate agents as being the best in her field. As New York State Licensed Mortgage Originators, Trudy and Joe will guide you toward homeownership using years of mortgage knowledge and expertise to find the right loan program to fit your financial needs and goals.

• 0% Down Payment USDA Program • FHA 3.5% Down Payment • FHA 203k Rehabilitation Program • Conventional Minimum 3% Down Payment Central New York

Call Trudy 764-0291 or Joe 430-4778 today and join the hundreds of homeowners who call Commonfund Mortgage ‘Their Common Sense Lender for Life”.

Pre-qualify online at www.commonfundmtg.com

L i f e and H o m e s

■

Commonfund Mortgage Corp 717 Erie Boulevard West, Syracuse, NY 13204

(315) 422-2325 or (800) 724-7748 NMLS # 53923

Licensed Mortgage Banker- N.Y.S. Banking Dept.- Equal Housing Lender

12

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

February â–

www.Life and Homes .com

13

L i f e and H o m e s

Mark Canter + Weichert Realtors, Campion Weeks = SOLD

Campion-Weeks

Whitesboro

$99,900

Utica

$69,900

Ranch - MLS#1200213

2 Family - MLS#1103402

Whitesboro

$79,900

Marcy

$335,000

Whitesboro

$114,900

Rome

$64,900

4 Bedroom - MLS#1103959

3 Family - MLS#1100548

Ranch - MLS#1103012

4 Family - MLS#1002174

Whitesboro

Ranch - wMLS#1200219

New Hartford

Mark Canter Top Producer

$189,900

$99,900

MLS# 1200072

Whitestown MLS# 1103125

$84,500

Call Mark 315-794-3452 Mark Canter 141 Genesee St., New Hartford www.campionweeks.com

+ Weichert Realtors, Campion Weeks = SOLD

Caroline Marino 315-404-7380

Representing both Buyers and Sellers. Experienced.

Campion-Weeks

Call Caroline 315-404-7380 Central New York

List with me and you too could have your home listed as SOLD!!!

Corey Court

Marcy NY - $529,000

$96,900

Marcy NY - $324,900

Marcy - $258,900

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L i f e and H o m e s

French Country Manor

New York Mills, NY

This 4 bedroom 2 -1/2 bath Stone front contemporary offers 1st floor owners suite, Fully applianced kitchen with breakfast area . Bright and cheery sun room, Formal dining room, Great room with stone fireplace and vaulted ceiling. Enjoy the Finished lower level Family room with additional Bedroom and Office and walk out to lower deck and yard. Attached garage. All on quiet cul de sac. MLS# 1103797

Relocating owner anxious for offers!

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 .

New York Mills, NY $111,900

Oriskany, NY $234,900

Open Market Listing Service™ Augusta

LifeandHomes.com Herkimer

$150,000

2063 Route 26

906 Ridgewood Road

7 Bedrooms / 5.0 Baths

4 Bedrooms / 4.0 Baths

Amy La Clair • 315-790-4153

Kathy White • 315-723-7741

New Nest Realty

Coldwell Banker Faith Properties

Broker/Owner • info@newnestrealty.com

Lic. Real Estate. Broker • kathy@centralnewyork.com

Visit www.LifeandHomes.com Type in Quick Search #41516

Visit www.LifeandHomes.com Type in Quick Search #126733

Ava

Ilion

$5,000

21 Bellevue Ave

Farm land for sale or rent

4 Bedrooms / 2.0 Baths

Phyllis Goworek • 315-335-2745

Leslie Nicolette • 315-985-0212

Bruce Ward & Company

FSBO • 0@0.com

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

Visit www.LifeandHomes.com Type in Quick Search #32673

Visit www.LifeandHomes.com Type in Quick Search #115186

Boonville

$750,000 662 Acre Oneida County Farm

Ilion

3 Bedrooms / 2.5 Baths

2 Bedrooms / 1.0 Baths

David Posson • 607-316-3758

Kathy White • 315-723-7741

Coldwell Banker Faith Properties

Broker/Owner • possonrealty@frontiernet.net

Lic. Real Estate. Broker • kathy@centralnewyork.com

Visit www.LifeandHomes.com Type in Quick Search #115342

Clayville

Visit www.LifeandHomes.com Type in Quick Search #164423

Morrisville

$39,900

2359 Oneida Street

4935 Goff Road

4 Bedrooms / 2.0 Baths

3 Bedrooms / 2.5 Baths

Dorothy Neumann • 315-527-3542

Kim Perry • 315-723-6340

NeuDot Realty

$131,000

Buyer’s Realty Group

Broker/Owner • neu.dot@gmail.com

Lic. R. E. Salesperson • k.perry9767@gmail.com

Visit www.LifeandHomes.com Type in Quick Search #156553

Dolgeville

$47,000

72 Spruce Street

Posson Realty LLC

Visit www.LifeandHomes.com Type in Quick Search #120769

Woodgate

86 North Helmer Avenue

$89,000

$59,900 Scotch Pines Dr - Building Lots

3 Bedrooms / 1.0 Baths

2 5 acre lots

United Country Real Estate/HBE Group, Inc. Lenore A. Gabriel • 315-429-3351

Rivet Realty

Beth F. Roberts • 315-796-1934

Visit www.LifeandHomes.com Type in Quick Search #165611

Visit www.LifeandHomes.com Type in Quick Search #115195

Lic. R. E. Broker • LGabriel@twcny.rr.com

NRPP

Call 315-792-9029

http://www.advancedhomeis.com

featuring

Barbara Dunn Realty

Bill Lake Homes

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

KD Homes is now offering Doublewides and Singlewides.

Come see our two new models at our sales lot on Rt. 12 in Waterville. Special pricing: $54,900; 28X48, 3 br, 2 bath ranch. Models open daily.

KD Homes

Rt 12 Waterville, NY 13480 Mon - Sat 10am-6pm 841-8700 email kdhomes@frontiernet.net • web kdhomesny.com

215 N. James Street Rome 315-337-1677 • dunnrealt@aol.com www.Life and Homes .com

15

L i f e and H o m e s

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

KD Homes

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

Lic R.E Assoc. Broker • bfroberts@frontier.com

February

Advanced Home Inspection Service LLC

Don Archer

$149,900

9551 Mullen Hill Road Oneida County - FSBO

NAHI

$349,000

Fixing Your Credit is Doable If you find yourself with less-than-good credit, you are not alone. Business Insider, an online business news website, reports that one in 50 households owes more than $20,000 in credit card debt. Coinciding with this alarming figure, the site further states that more than 2 million Americans look to credit counselors each year to avoid bankruptcy.

Before your finances fall into the bankruptcy category, you can take steps to help turn your bad credit around. Just ask James Cheslek, dean of academic affairs at Brown Mackie College Albuquerque. Cheslek is a retired corporate and trial law attorney who helps college students with bad credit get back on track.

"If you want to be successful, it is important to not let credit card debt get out of control," Cheslek says. "Many people get frustrated because their credit is not up to par. They don't realize how easy it is to fix. It may take some time, but it is doable."

Step one: Request a free copy of your credit report.

Every American is entitled to a free copy of their credit report under the Fair Credit Reporting Act (FCRA). Each of the three reporting agencies Equifax, Experian, and TransUnion - is required to provide it once every 12 months, if you ask for it. To order your free copy, visit annualcreditreport.com, or call (877) 322-8228.

Central New York

Step two: Read your credit report carefully for inaccuracies.

newport

Step three: Dispute inaccuracies.

The FCRA further states that a reporting agency must correct any inaccuracies on your report. To dispute an item, notify the reporting agency of the inaccurate information. "They must investigate by forwarding your information to the company that provided the disputed item," says Cheslek.

"When any information proves incorrect, the FCRA calls for all three reporting agencies to remove it from your credit report."

Step four: Request verification of debt.

The Fair Debt Collection Practices Act (FDCPA) gives consumers rights against debt collectors.

"Here's the deal," Cheslek continues. "Debt collectors buy old debt for pennies on the dollar.

They call and tell you they are collecting on behalf of another company. However, the company that originated the debt has written it off and retired the file."

$260,000

7389 West Street Unique property, includes 3 buildings. Home features 3 BRs, 2 full baths, applianced kitchen with dining area, family room, full basement, wheelchair accessible. Office building, former radio station, includes work area, two offices, kitchen area & bath. Large building, 2,300 sq. ft., features large meeting room, commercial kitchen, two half baths, storage area, utility room.

Property is situated on 11.30 acres. Parking, landscaped, portion of the land in the Village of Newport. Buildings are in excellent condition. Zoning information available. MLS# 1103786

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L i f e and H o m e s

"Spend some time figuring out what all the symbols mean. Learn what's good and what's bad," Cheslek says. "Reporting companies get information from creditors. They simply take the information and add it to your report."

Gokey Real Estate • 60 Utica Street, Clinton NY • Dottie Gokey, Broker 315-853-3767 * 315-725-4570

16

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

This may be the best kept secret in America. The FDCPA entitles you to write to the original company and ask for verification of the debt.

They have 30 days to complete the process.

Usually, they can't find the file or verify the amount," says Cheslek . "You may need to send follow-up letter to the credit reporting agencies to say, 'Take this off.'"

Step five: Once your credit is fixed, keep it fixed.

Cheslek offers the following rules of thumb to follow in the interest of keeping a good credit score: * Pay bills on time. Late payments add fees to the balance owed. * Change the payment due date if the current one is inconvenient. * Pay more than the minimum due, even if just a little. * Do not skip any payments. Skipped payments lead to bad credit. * Do not close old accounts. Creditors look at how long you've had credit. * Keep one account with no balance. * Do not apply for loans you don't need. Every loan request shows on your credit report for two years; a denial becomes a negative mark.

Featured Property

2112 Sunset Ave Utica, NY 13502

(P) 797.2400

Alex Sen Broker

Ed Kasperovich Sales Agent

Mark Enjem Sales Agent

Jon Grimaldi Sales Agent

(C) 725.7167

(C) 534.3484

(C) 292.3200

(C) 796.2827

“True Service with Savings” Utica 600 Culver Avenue 2100 sqft of prime commercial space for lease $1,750. Two bays available, easy parking, heating and cooling equipment installed, security system etc. Call Gennady Sen 315-725-1773 or Alex 315-725-7167 MLS#1101034

New Hartford

$127,900

Clinton

$79,500

Whitestown

3597 State Route 12 Nice ranch, needs work.

2216 Caroline St Renovated ranch.

MLS#1103489 Alex Sen

MLS#1100839 Ed Kasperovich

Utica

Utica

$119,900

Utica

$64,900

Utica

$79,900

901 Shaw St Nice house that has been remodeled.

MLS#1103083 Ed Kasperovich

143 Pleasant st Renovated, on the Parkway.

Clinton

Utica

MLS#1103834 Ed Kasperovich

Utica

$86,900

2 Kellogg Ave 4 units, new furnaces, updated, fully rented.

MLS#1102437 Alex Sen

February

61 Chestnut Hills Nice town house with garage, updates, nice!!!

MLS#200900376 Alex Sen

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MLS#1100700 Ed Kasperovich

$59,900ea

$69,900

509 Mandeville St Nice investment- two family on double city lot.

MLS#1103887 Ed Kasperovich

S. Utica

$109,900

101 Richardson Ave Nice duplex.

4 McBride Ave Redone 2 family.

MLS#912169 Alex Sen

MLS#1103830 Alex Sen

$119,900

$139,900

107 Hotel Street Endless possibilities in an up and coming strip downtown.

MLS#1100245 Mark Enjem

www.Life and Homes .com

Schuyler

$285,000

2511 Route 5 Amazing farm-land opportunity!

MLS#1103496 Mark Enjem

17

L i f e and H o m e s

514-516 Millgate 2 units each.

LifeandHomes.com Norwich

$175,000 34 Acre Chenango Cty Farm

Rome

4 Bedrooms / 1.0 Baths

4 Bedrooms / 2.0 Baths

David Posson • 607-316-3758

David Posson • 607-316-3758

Posson Realty LLC

Broker/Owner • possonrealty@frontiernet.net

Posson Realty LLC

Broker/Owner • possonrealty@frontiernet.net

Visit www.LifeandHomes.com Type in Quick Search #115341

Rome

$34,900 406-408 St Aloysius - 2 unit

Rome

6 Bedrooms / 2.0 Baths

3 Bedrooms / 2.0 Baths

Dorothy Neumann • 315-527-3542

Tony Abone • 315-339-2222

Broker/Owner • neu.dot@gmail.com

$125,000

6144 Muck Road RE/Max All Pro

Broker/Owner • proabone@cnymail.com

Visit www.LifeandHomes.com Type in Quick Search #147635

Visit www.LifeandHomes.com Type in Quick Search #165613

Rome

$49,900 612-614 N Washington - 2 Family

Woodgate

6 Bedrooms / 2.0 Baths

Developer financing available

Dorothy Neumann • 315-527-3542

Beth F. Roberts • 315-796-1934

NeuDot Realty

Broker/Owner • neu.dot@gmail.com

$59,900 Scotch Pines Dr - Building Lots Rivet Realty

Lic R.E Assoc. Broker • bfroberts@frontier.com

Visit www.LifeandHomes.com Type in Quick Search #129577

Visit www.LifeandHomes.com Type in Quick Search #115195

Rome

$65,000 7561 Oriskany Road (Route 69)

Rome

3 Bedrooms / 1.0 Baths

5 Bedrooms / 2.0 Baths

Barbara Dunn • 315-337-1677

Tony Abone • 315-339-2222

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

Visit www.LifeandHomes.com Type in Quick Search #79973

Rome

$94,900

702 W Dominick Street RE/Max All Pro

Broker/Owner • proabone@cnymail.com

Visit www.LifeandHomes.com Type in Quick Search #165614

$49,900

Rome

$165,000

535 W. Embargo Street

7449 Seifert Road

3 Bedrooms / 1.0 Baths

3 Bedrooms / 2.5 Baths

Denise Witchley • 315-337-0841

Tony Abone • 315-339-2222

HomeComing Realty

Licensed R.E. Broker • witchleydenisem@hotmail.com

Visit www.LifeandHomes.com Type in Quick Search #42443

Central New York

$199,000

40 Acre Farm

Visit www.LifeandHomes.com Type in Quick Search #115344

NeuDot Realty

Interior Design by

Uniquely Yours Linda E Fake

RE/Max All Pro

Broker/Owner • proabone@cnymail.com

Visit www.LifeandHomes.com Type in Quick Search #165612

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L i f e and H o m e s

Open Market Listing Service™

315-868-6611 www.uyinteriors.com 18

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For More Information on our Products & Services, Please Call

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#1 Selling Company in Utica, Rome & Mohawk Valley Lori D’Onofrio Hamlin Associate Broker

2306 Genesee Street, Utica, New York

FAITH PROPERTIES

www.centralnewyork.com/Lori

LoriHamlin@roadrunner.com Cell: 315-790-0990 Office: 315-735-2222 x 41

LOCATION & SQUARE FOOTAGE ARE 80% OF THE PURCHASE PRICE

Utica

Utica

$89,900

Whitesboro

$59,900

An adorable 4bd cape features a formal living room, dining room, hardwood floors, above ground pool, hot tub on wood deck, updated kitchen and bath.

Property is on three city lots. MLS #1103696

$139,900

Gorgeous & updated 2bd 2ba condo. New kit w/ walk-in lg pantry, new carpet, windows, baths, walk-in closet in mstr suite, gar #8 w/new opener, extra storage building. MLS # 1200059

Cute & spacious 3bd home with formal DR, most replaced windows, large deck overlooking deep yard, and 1 stall detached garage. Owner financing available w good down payment. MLS #1103022

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

Utica

$79,900

Richfield Springs

New Hartford

$34,900

New Hartford

Move-in condition 4bd home features living room, dining room, 1st floor family room, hardwood floors, newer furnace, windows, & 10 years old roof.

Nice neighborhood. MLS # 1103529

Great view, wonderful building lot. Homes surrounding property, New Hartford schools, public water, sewers & gas available. Survey done. MLS #1100523

$123,000

Gorgeous Greek revival 4bd 1.5Ba colonial on .5 acres. Features diversified floor plan, large eat-in kitchen living room with pellet stove, newer windows, above ground pool. MLS #1200034

$99,999

Vacant land in New Hartford. 6.5 acres located between Merritt and Rt. 12B. Zoned medium density residential. MLS #1103175

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!

ED

C DU

RE

Make An Offer - Large 3 bedroom 2 bath ranch, all appliances, including washer/dryer. Handicap access, oversize 2 car garage, central air, deck, more $79,900

New Listing - Beautiful 3 bedroom, 2 bath ranch on nicely wooded lot, new fireplace, jacuzzi, 2 window a/c, washer/dryer, shed, more! $44,900

New Listing- Newer 3 bedroom 2 bath ranch, central air, open floor plan, remote ceiling fan. Was $59,900. Now $48,900

Owner Anxious - Spacious 3 bedroom, 2 bath ranch with 1½ car garage, central air, large deck, all appliances including washer/dryer/dishwasher, more. $49,000

New Listing - Very comfortable and affordable.

2 bedroom, 2 bath ranch, backs up to woods, central air, washer/dryer, freezer, much more. $32,500

New Listing - Nice 3 bedroom 2 bath ranch, central air, range, fridge, dishwasher, deck, 2 storage sheds.

Great price! $35,000

New Ranch Home - Fabulous 3 bedroom 2 bath ranch, wood burning fireplace, ultra kitchen, all walkin closets, more. $72,500

February

Charming - Immaculate 2 bedroom 2 bath. All appliances including washer/dryer, oversize 1 car garage, new furnace, new windows $49,900

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www.Life and Homes .com

19

L i f e and H o m e s

Karen Basile

Serving the Mohawk Valley Since 1976

Janet Kipper Agnes Knox Bill Gamett Mary Taylor

732-3113

Jon Purdy Dan Lazarek Dick Nikodem

2617 Genesee Street Utica, NY 13501 www.century21.com

Robert Spencer Kathy Maine

Art VanVechten Broker/Owner

Century 21 Agents. Smarter. Bolder. Faster.

New Hartford • $299,000

Holland Patent • $144,900

Beautiful 3754 square foot Colonial features 5 bedrooms, office or in law suite, custom kitchen with island, full basement and 2 car garage. Inground pool with deck & patio, fenced landscaped yard. MLS: 1102043

Circa 1840 Village Square home! Updated Oppers kitchen with breakfast room, Franklin gas stove, sunroom, formal dining room with gas fireplace, plank floors and deck out to private backyard! MLS: 1103593

Rome • $84,900

Completely remodeled home in stellar condition!

Gleaming hardwoods, new roof, siding, kitchen, baths, heating and outdoor living areas! Flexible living space, convenient to downtown Rome!

MLS: 1200162

Yorkville • $87,500 Character and charm of this homes shows with woodwork, French doors, large foyer and front porch! 3 bedrooms, ample closets, full dry basement and garage. Whitesboro School District. MLS: 1103944

Oriskany • $84,900

Older home with some updates having been made, windows, carpeting, deck out to fenced backyard. Convenient village location, walking distance to parks, Schools, Churches & Cafes.

MLS: 1103796

MLS: 1100300 - 2028 Tilden Ave, MLS: 1103318 - 45 Columbia St, MLS: 1003123 - 7833 Passer Road, MLS: 1103773 - 1206 North James , New Hartford $425,000 Mohawk $269,900 Rome $119,900 Rome $114,900 MLS: 1101604 - 7688 St Hwy 28, MLS: 1102879 - 8137 Old Floyd Rd, MLS: 1102452 - 628 Cosby Rd, MLS: 1103852 - 8 Andes Ave, Canadarago Lake $495,000 Floyd $159,900 N. Utica $119,900 West Utica MLS: 1103369 - 777 Mucky Run Rd, MLS: 1102800 - 5316 Old Oneida Rd, MLS: 1102251 - 11729 Route 365, MLS: 1000722 - 5645 Ottman Rd, Frankfort $369,000 Verona $129,900 Hinckley Lake $129,900 Vernon $130,000

MLS#S254184

Lowville

$34,900

Good things do come in small packages. This is one of them! This well maintained cottage has so much to enjoy. Great for a get away cottage, enjoy campfires in a peaceful wooded setting. It would also be an ideal hunting camp.

Boonville

Central New York

$56,900

Multi purpose building, down stairs was formerly used as commercial the second floor is a completely remodeled with a 2 bdrm. , 1bath,laundry, living room. This home could be a 2 family or you could live upstairs and run a business down.

MLS#S265379

MLS#S265534

Boonville

$105,000

Nice Cape Cod home just outside the village of Boonville. There are 3 bdrms, 2 baths, large first floor laundry, with attached garage. Large deep yard with a fire pit, deck, and an electric dog fence. Great neighborhood with the conveniences of the village close by. Boonville electric.

MLS#S265094

MLS#S260352

Liz Miller Lic R.E. Broker 315-942-4408 office

info@Century21Gentry Realty.com Phyllis Chase Elizabeth Clair Claire O’Rourke Jeanine Lloyd Melinda Rocker For more information on any of these homes, visit

www.century21gentryrealty.com and type in the MLS#

Constableville

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L i f e and H o m e s

MLS#S265331

$69,900

This a very tidy cottage in a great location near the snowmobile trail. It has a kitchen, full bath and living room which is also used for extra sleeping space. The upstairs is open and set up with cots. Has a garage for storage and sits on a nice wooded lot.

Westernville

$164,900

Lovely 3 bedroom, 2 1/2 bath ranch with attached garage is set on 17 acres with 6 stall horse barn and 24x28 pole barn. House sits back from the road and features a custom gazebo in the front yard.

Forestport

$299,000

House was build in 1872 with the plans by architect H. Hudson Holly of New York City.

Original plans are in the cabinet in living room.

Home has an entry way, living room with marble fireplace and built in cabinets.

Now Hiring

Real Estate Professionals to enhance busy Boonville Office

www.century21gentryrealty.com • 117 Main Street Boonville, NY 13309 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 .

Clemens-Beckley Real Estate, Inc. Rome

$92,000

Utica

$88,900

New Listing: Move right into this immaculate home and just enjoy! Very different floor plan, 4 bedrooms, nice kitchen, full basement, central air. MLS #1200170

Rome

$415,000

New Listing: Executive Home! State of the art kitchen with granite counters, beautiful sunroom and family room. 3 great bedrooms. MLS #1200092

Edward Beer ~ Jill Shafer ~ John McMahon ~ Wendy Palinski ~ Sharron Puglio Karen Scuderi ~ Diane Dainotto ~ Gladys Winterton ~ Julie Sestito

Rome

$284,900

Executive 4 bedroom, 2 1/2 bath Colonial. Large entry foyer w/ walk in closet, formal dining, living room, family room w/ custom woodwork. MLS #1102695

Rome

$79,500

4 bedroom, 2 bath vinyl sided cape-updated kitchen & baths, new roof, furnace, central air & windows.

Also has a great heated sunroom. MLS #1101119

February

New Listing: This is a wonderful 3 bedroom, one and half bath home. Huge dining room, laundry on first floor and finished attic area. MLS #1200181

420 N. Washington Street ~ Rome, N.Y. 13440 ~ 315-334-1046 Barbara Clemens & Kim Beckley – Broker/Owners

$55,000

Reduced: Your just a phone call away from owning your own home. This 3 bedroom ranch is affordable and has newer windows, large private yard. MLS #1103363

Rome

$79,900

New Listing: This property has Great Potential as a restaurant, store front, offices and more! It was the “Hollywood”restaurant! MLS #1200214

Rome

$92,000

Neat & clean ranch on large corner lot. HW floors throughout, living room w/ fireplace, nice eat-in kitchen.

Large family room & den in bsmt. MLS #1103471

Rome

$149,000

Absolutely charming with many hardwood floors, a cozy and comfy living area that says Welcome Home.

Family room on the back. MLS #1101944

Address

Price

1103481

8143 Pennystreet,Rome

$118,900

1103293

908 McKinley Ave, Rome

$119,500

1103382

11499 State Route 26, Ava

$89,900

1102926

6306 Evergreen Drive, Lee

$122,900

www.Life and Homes .com

21

L i f e and H o m e s

Rome

MLS #

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Other Great Homes for Sale

SCAMPONE REAL ESTATE 797-7100

New Hartford

$305,000

$225,000

Beautiful turn key home in great neighborhood. Many new updates.

3 Bdrms, 2 1/2 bths, fireplaced family rm, att 2 stall garage, large lot.

MLS #1103948

North Utica

Oriskany

New Hartford

$149,900

$144,500

$129,900

Gorgeous turn key 3 bdrm, 2 ½ bth ranch w/many updates. Partially finished bsmnt w/fr & workshop.

Meticulous.

MLS #1103884

Tastefully decorated & updated 5 bdrm, 1 ½ bth colonial. Zoned res/ comm; w/ beauty shop att. Circular drive, large deck & yard. New windows on 1st level. Meticulous!

MLS #1200055

Ranch on over 1 acre, set back, giving it a private country setting.

Two separate garages, applianced kit, nice hardwoods.

MLS #1103788

Trenton

North Utica

New Hartford

$124,900

$112,000

$108,000

3 Bdrm, 2 bth manufactured home on 6 acres w/pond. New kitchen, open dining area & living room with fireplace.

MLS #1200114

Great location! Raised ranch w/3 bdr, 1 1/2 bath. Finished family room w/corner fireplace. Deep, private yard.

MLS #1103234

Large lot with wooded yard and less than a mile to the mall. This 3 bedroom has tons of storage and great location.

MLS #1200177

Herkimer

Frankfort

North Utica

$84,900

$83,900

$74,900

3 Bdrm, 2 story, nice neighborhood.

Large kit & lr. Newer 2 stall garage.

Insulation, hw tank & some windows updated. Vent pipe in lr for pellet stove. Front porch, rear deck.

MLS #1103854

Carefree living at its best, 3 bedroom condo with private patio. Great neighborhood, no maintenance fees. A must see!

MLS #1103560

Well maintained north utica ranch.

Generously sized master bedroom, large backyard with fencing and patio area. All appliances stay.

MLS #1100805

North Utica

East Utica

South Utica

$69,900

$69,900

IN-LAW APARTMENT - Two unit converted to single family 1st flr in law apt w/lr, dr, bath & kit. 4 Yr old roof. Newer windows. Updated kitchens & baths. Shows well.

MLS #1103215

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L i f e and H o m e s

$199,900

Exceptional townhome with many updates. Granite counters. Stainless appliances. Lower level fr w/fp.

Vaulted ceilings. Lg main level deck & lower covered patio. Large bdrms.

Truly a delight. MLS #1103828

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

scamponerealestate.com 22

Whitestown

Spacious 4/5 bdrm colonial on private, wooded fenced lot in prestigous South Woods. Inground pool. Kit w/center island open to fr w/fp. 3222 Sq ft.

MLS #1200069

With a little TLC, this can be a nice bungalow. Open lr/dr area, 2 bedroom & bath on 1st level. Large bedroom on 2nd level.

MLS #1200116

Central New York

New Hartford

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 .

$58,000

S. Utica 3 bcrm bungalow. Updated kit, newer windows, lg mstr bdrm.

Attic w/expansion possibilities.

MLS #1103244

The Price Is Right –

Your Best House Selling Strategy You've decluttered the garage and repainted the kitchen, bathroom and hallways. You took your realtor's advice about improving your house's curb appeal, and the lawn has never looked better. Yet your house still has a "For Sale" sign in front, and potential clients aren't clamoring to see the inside. What's the problem?

Probably the most common problem shared by many sellers in today's real estate market is an inflated price. It's easy to make the mistake of zealously setting an idealistic price. You know exactly what money you've spent as well as the many hours of weekend "sweat equity" over the years....but clinging to that less than practical figure can cost you in the long run.

What's the best way to set a fair price? Savvy buyers have a comparable market analysis (CMA) conducted on the house (or houses) they are most interested in. As a seller, you should do

the same so that you're prepared to negotiate. A good realtor can walk you through this step.

Another strategy is to know your competition is there an open house that's sounds similar to yours in the MLS? Check it out! Is that seller asking more or less than you? After visiting, you may discover that the other guy's floor plan doesn't compare favorably to yours. Or that family has incredible storage space that may be a huge draw for many clients.

What if I go too low? Talk to your real estate agent, but in many cases, a price that's a little lower than your competition can be a terrific strategy. More than once, I've seen such a situation generate a bidding contest that brought the price up above the original asking price.

If the price is fair, shouldn't I expect to get the asking price? The answer to that one is: it depends. In today's market, many buyers are

Of all the potential pitfalls of selling a home, pricing the house fairly is by far the most common one - and the one issue many clients are reluctant to discuss. Yet the right price can make the difference of selling now or much, much later.

If you're looking to sell your home in the Chapel Hill/Durham area, contact Crazy Viv Olkin at http://www.crazyvivhomes. com. She's the REALTOR who can help you say "The price is right!" and sell your home sooner instead of later.

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L i f e and H o m e s

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SNOW MAINTENANCE COMMERCIAL & RESIDENTIAL • SNOW PLOWING • SHOVELING WALKS / ROOFS • SALT & SANDING • SNOW REMOVAL & HAULING

February

RADON…

quick to make an offer that's lower than what you're asking. Don't be intimidated by a back and forth discussion, and take your time to consider your options. If you notice "For Sale" signs around town with "Price Reduced" toppers on them, you may be in the middle of a rapidly declining market, and prices may need to be reset. A good realtor can advise you of your best plan in the current situation.

LifeandHomes.com Sylvan Beach

Open Market Listing Service™ Vernon

503 16th Ave

$69,000

$28,000 Cooper Street - Building Lot

$10,000 down - no payments for 1 year

3+ acre lot

Steve Ruscitto • 315-761-7277

Amy La Clair • 315-790-4153

Oneida County Real Estate Investors

New Nest Realty

Investor • steve@cnyres-q.com

Broker/Owner • info@newnestrealty.com

Visit www.LifeandHomes.com Type in Quick Search #32685

Visit www.LifeandHomes.com Type in Quick Search #42052

Utica

$119,000 29-35 Devereaux St - Commercial

Vernon

Drive-thru bankl

2 Bedrooms / 2.5 Baths

Maria E. Dailey • 315-336-0433

Amy La Clair • 315-790-4153

$289,900

4140 Churton Road

National M&D Dailey Realty

New Nest Realty

Broker/Owner • dailey.realty@gmail.com

Broker/Owner • info@newnestrealty.com

Visit www.LifeandHomes.com Type in Quick Search #42213

Visit www.LifeandHomes.com Type in Quick Search #42155

Utica

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

Waterville

6 Bedrooms / 2.0 Baths

5 Bedrooms / 2.5 Baths

Rick Andrew • 315-534-0555

Kathy White • 315-723-7741

$237,900

2043 Hanover Road

Oneida County - FSBO

Coldwell Banker Faith Properties

FSBO • rickjandrew@gmail.com

Lic. Real Estate. Broker • kathy@centralnewyork.com

Visit www.LifeandHomes.com Type in Quick Search #42343

Visit www.LifeandHomes.com Type in Quick Search #164418

Smith Inspection Services, LLC Serving Central NY and the Mohawk Valley

Pre-Listing & Buyer Inspections Septic System Inspections & Dye Tests Water Purity & Quality Tests Radon Testing & Mitigation Services

Providing propane for your Home, Business, and Farm for over 70 Years.

5859 State Route 31, Verona, nY 13478

Ph: 800-437-4856

website: Ferrellgas.com email: DouglasMuha@Ferrellgas.com

35 Years Commercial Construction Experience 8 Years Home Inspection Experience

Central New York

Call 315-363-8074 SPECIALIZING IN

Estate Sales & Moving Sales

Your “Home Town”Buyer with Over 35 Years Experience

L i f e and H o m e s

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• Full Line Antique Shop • Large Inventory of Vintage Jewelry

www.eagleriver-realty.com

“Always Buying” Appraisals - House Sales

Participating with Cabela’s Trophy Properties www.CabelasTrophyProperties.com

315-794-1094

52 Oriskany Blvd. Whitesboro ( Next to Kinney Drugs)

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 .

315-824-8989

The Potting Shed

Antiques

24

2547 State Route 12B, Hamilton, NY 13346

Suzanne Fellows Sales Agent

315.404.7513

Kay Delano Real Estate Railroad St, Poland, NY • 315-826-7070

Herkimer

$88,500

Come take a look at this beautiful home. This Cape Cod style home has a lot of curb appeal.

Home is vinyl sided with vinyl windows and a 10 year old shingled roof. On the first floor is a nice eat in kitchen, living room, 2 bedrooms and bath. The second floor has a bedroom and a large room that could be just about anything. It has tons of light, high ceilings and a lot of space.

Ohio

$69,900

Come take a look at this L-shaped ranch with attached garage. Needs some TLC but it a nice home at a great price. Large kitchen, huge living room, 3 bedrooms and 2 baths. Full basement. Newer roof. Close to trails and West Canada Creek. All on just under an acre of land. Property is estate, all offers considered.

Coldbrook

$56,900

New to the market. 31.4 Beautiful wooded acres, trails, and a lovely stream flowing through the property. Excellent hunting, 4 wheeling and sledding location. Very desirable location.

$79,900 / 43 Acres or Take it all $229,900 / 129 acres

Very desirable property in West Canada school district. Located on Steuben Road, Newport. We are offering 3, 43 acre lots.

Come take your pick or buy them all for a beautiful 129 acre piece. All 3 43 acre lots will be surveyed, all have fields and woods.

Broker

$27,000 $105,000 $47,500 $17,900 $23,900 $18,900 $19,000 $64,900 $37,900

Bonnie (Legg) Mahon Sales Agent “Back in the Valley”

315.868.6514

$74,000

REDUCED TO SELL- Looking for a home you can just move into? Three bedrooms and two full baths. Nice galley kitchen, formal dining room, cozy living room, bath and laundry room on the first floor. Bedrooms and another full bath on second floor. New roof, vinyl siding.

Detached garage with workshop area.

Listings

Poland

Kay Delano

315.867.4879

Poland

$109,900

Exceptional 3 bedroom home on quiet village street. Features original wood beam ceilings and hardwood floors throughout. Formal living and dining room. Family room with fireplace. Updated kitchen and baths. Three large bedrooms with oversized closets. Bonus loft area on second floor.

3.4 Acres on Lake Gay, Russia, both sides of the road, wooded lot, make offer Cty Rte 119, Ephratah, 50 wooded acres, roads, power, borders state land Bull Hill road, Ohio, 40 acres, wooded trails, make offer Grant Road, Russia 10 wooded acres, borders trails, 5 min to Hinkley Lake Hurricane Road, Norway, 12 acres, field and woods Black Creek road, Russia, 10 acres, wooded, min to trails, state land and Hinkley Lake Conway Road, Ohio, 9 plus acres, wooded, needs logging, near trails Rte 170, Little Falls, 42 open acres, views Hurricane Road, Norway, 16 acres, open fields, stream, borders state land

COMMERCIAL LENDING CONSULTANTS ASSISTING WITH: • Construction Financing • Permanent Financing • Hospitals • Hotels • Retirement Centers

L O N G - T E R M F I N A N C I N G F O R C O M M E R C I A L P R O P E RT I E S

• Multi-Family Units • Resorts

We help companies find financing at or lower rates than what is available in the marketplace. We provide

• Shopping Centers

construction, renovation and refinancing.

• Student Housing

consulting services for commercial properties regarding issues of finance, development, acquisition,

3 1 5 . 8 6 5 . 7 4 1 8 O R E M A I L D AV I D @ L I F E A N D H O M E S . C O M

LifeandHomes.com West Winfield

Open Market Listing Service™ Westmoreland

$169,900

6345 Lowell Road

4 Bedrooms / 2.0 Baths

2 Bedrooms / 1.0 Baths

Dick Fabozzi • 315-822-5351

Amy La Clair • 315-790-4153

Fabozzi Realty

New Nest Realty

Lic RE Broker/Owner • RFabozzi@earthlink.net

Broker/Owner • info@newnestrealty.com

Visit www.LifeandHomes.com Type in Quick Search #121090

West Winfield

Visit www.LifeandHomes.com Type in Quick Search #150082

Wochester

$225,000

54 Acres w 2 Houses

5 Bedrooms / 2.0 Baths

6 Bedrooms / 3.5 Baths

United Country Real Estate/HBE Group, Inc. Sharon Baisley • 315-429-9754

Posson Realty LLC

David Posson • 607-316-3758

Visit www.LifeandHomes.com Type in Quick Search #73463

Visit www.LifeandHomes.com Type in Quick Search #115343

Westernville

Broker/Owner • possonrealty@frontiernet.net

Woodgate

$56,500

9207 Main Street

$59,900 Scotch Pines Dr - Building Lots

4 Bedrooms / 1.0 Baths

Private 5 acre lot

Tony Abone • 315-339-2222

Beth F. Roberts • 315-796-1934

RE/Max All Pro

Rivet Realty

Broker/Owner • proabone@cnymail.com

Lic R.E Assoc. Broker • bfroberts@frontier.com

Visit www.LifeandHomes.com Type in Quick Search #155480

Dorothy Neumann NeuDot Realty

Visit www.LifeandHomes.com Type in Quick Search #115195

Leisure Village Homes Manufactured Housing 4225 St Rt 69 Taberg, NY

New Modular Ranch, 9/12 roof w/ unfinished upstairs.

Phone: 315-527-3542 Email: dneumann@neudotrealty.com

Lvihomes.com • 337-0666

Central New York

Selling FSBO? This year, more than ever, is not the time to go it alone. Buyers have many homes to choose from.

A realtor provides maximum exposure, screens prospects, has contacts with attorneys, home inspectors, surveyors, lenders, contractors. We guide you through the maze of contracts, disclosures, marketing, setbacks and myriad of details. More than ever, you need a friend on your side; someone who knows the market, the risks, the ropes. Now an approved HUD broker. You need Neu.Dot Realty.

Many New Models Arriving!

Personalized Service Custom floor plans

Financing Available

Real Estate Law

Buy

Homes

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L i f e and H o m e s

$250,000

235 Cole Hill Road,

Lic. R.E. Broker • hbegroup@twcny.rr.com

No Payments for

One Year

No Realtor Commission or Fees

Steve Ruscitto

Real Estate Services 315-761-7277

www.RealEstateServicesCNY.com

26

$133,900

223 Bassett Road

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 .

Real estate conveyances, Landlord/ tenant law - Residential leases Evictions.

Gerald J. Pasqualetti, Esq. 312 N. James Street Rome, New York 13440

Ph.: 315-271-3841 Fax: 315-336-3701

email: pasqualettilaw@gmail.com

BRANJEN REALTY

8469 Seneca Turnpike New Hartford

797-7777

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

131 Westminster Place, South Utica

Located near Jones Elementary School. Larger than it looks. 3 Bedrooms. 1 & 1/2 baths. Hardwood floors. Living room with Fireplace.

Updated kitchen with appliances and new 1 and 1/2 baths. Large deck. New Roof and windows. $139,900

Short Sale Experts

BRANJEN REALTY HOLDINGS, LLC specializes in the sale of

Are you looking to sell your home but the mortgage is higher than the value?

Ilion

Own-4-Less

In most cases you can buy one of our homes and pay less than you would for rent in a comparable 407 W. Embargo

Call us we might be able to help!

797-7777

Rome

home. In many cases

financing can be arranged with as little as $950 down and a competitive fixed rate.

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www.BRANJEN.com

www.Life and Homes .com

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L i f e and H o m e s

Huge home with 4 bedroom home with 2 baths.Many updates including kitchen, baths, electric, windows, flooring, heating...call for details.

February

Purchase this new renovated 3+ bedroom 1 1/2bath home on a double lot for as little as $3,000 down and $725 per month Priced to sell at $74,900

renovated homes at reasonable prices.

Serving Oneida, Madison & Herkimer County Areas

9 College Street Clinton, NY 853-7251 Pondra Bowen-Kitchen

HUD Broker

Visit Us at www.PondrasHomes.com

Broker/Owner

Land Listings

Oriskany Falls

Augusta - Skyline Dr. 2 Acres. $25,000 Clinton - Roberts Rd. 10 acres, Clinton Schools, Breathtaking views! $52,000 Deansboro - Skyline Dr. 5.93 acres with well. $29,900 New Hartford - Chapman Rd. 1+/- acre. $21,900 Paris - Timian Rd. 200x216. $15,000 Westmoreland - Lowell Rd. 2.71 acres. $25,000 Westmoreland - Rt 26. 1.70 acres. $9,900 Westmoreland/Kirkland - 120+/- acres, B-1 zones, ideal for development, entries on Rt 5, Rt 233, and French Rd. $625,000.

Rt 5, Kirkland 59,500. High visibility property. 550 ft road frontage. Approximately 1 acre. Gas & electric available at the road. Owner will consider trade. 3 wells on property.

Central New York

Yorkville

Clinton

$59,900

Canastota

$74,900

$139,000

Skyline Dr -Beautiful building lot with view! 2 barns and well. Waterville Schools. Located just outside the village. MLS# 1003649

9102 Wilson Cove Rd -3 BR, 2 bath redone doublewide on a 360x100 lot. There are lake rights on Oneida Lake and a boat launch with this property. MLS #1002280

242 Main St - Stately 2 story Village home on 136x132 lot next to park. Currently set up with spacious 2 BR 2nd fl apt, 1st level ideal for apt conversion or business, Property was originally single family 4 BR home. Newer boiler, central air 1st fl only. Fireplaced room in basement. Handicapped accessible. MLS # 1103294

Marcy

Clinton

Deansboro

$199,000

$59,900

$110,000

7654 Rt 5 - Commercial opportunity in the Town of Kirkland. 1,800 sq ft building, ample parking, newer furnace and high visibility. Formerly used as woodworker shop with great display area.

MLS #1200086

9520 Maynard Dr - 5 BR, 2 bath ranch in great location, stone front with covered side patio.

Completely finished walk out basement inc 3 BR, 1 bath, FR and kitchen w/ fireplace perfect for in law apt. No wasted space in this home! 2 car attached garage. MLS #1200206

7654 Rt 5 - Commercial opportunity in the Town of Kirkland. 1,800 sq ft building, ample parking, newer furnace and high visibility. Formerly used as woodworker shop with great display area. MLS #1200086

2747 Rt 12B- The Deansboro Hotel is looking for a new owner! Town landmark is for sale offering an operating bar and full dining room great for parties.

5 rented rooms and 2 apts, a 1 & 2 BR. Great income along with oversized 3 car det. garage.

MLS #1101448

Vernon

Westmoreland

Deansboro

Clinton

Lee

$155,000

$165,000

$130,000

$129,900

$82,500

5571 Rt 5 - Opportunity awaits! This Rt 5 location is hot, you have Utica Rome Speedway next door, Vernon Downs 1 mile up and the Turning Stone close by. This building lends itself to a variety of business ventures. Currently bar/restaurant. Great space. Many updates. MLS #1101200

7471 Rt 5 - Commercial corner opportunity, high traffic count and visibility, corner of Rt 5 and Rt 233, close to Thruway exit 32. Retail first floor, 4 car rear garage space and 2 second floor rented apts. Endless possibilities. MLS # 1103214

6841 West Hill Rd - Circa 1824 Historical Dean Homestead now available for new history to be made! This grand home is currently used as a 3 family- fully occupied. Beautiful features throughout.

5 fireplaces. 200x200 lot. Beehive oven in garage.

MLS #1101459

3853 Fountain St- 3 bedroom, 1 bath ranch just outside the village offering a new full bath, carpet and paint. 2 car detached garage. MLS # 1102852

6354 Milles Dr -Charming 3 BR, 1 bath ranch in Delta Lake Estates. Efficeint home to heat, GHWBB, updated kitchen and bath, insulated windows, attached garage with attic access. Fenced rear yard.

Ready for new owners! MLS #1103716

Remsen

Sangerfield

Utica

Westmoreland

Whitesboro

$89,900

$174,900

1092 Rt 12- Stunning 3-4 BR, 2 bath home totally renovated on 10 peaceful acres with oversized 2 car garage/shop and 36x31 barn and attached machine shed. This home is a horsemans delight.

Waterville Schools. MLS # 1102552

$55,900

1418 Sunset Ave- Very clean and well kept home/ investment property in West Utica. 3 BR, 1.5 bath, LR, formal DR, FR and 2 stall garage.

Furnace and hot water heater are 3 years old.

MLS # 910612

$145,000

5090 Eureka Rd- Stunning split level offering 3-4 bedrooms, 2 baths, fireplaced LR & FR, inviting patio and deck overlooking above ground pool & lg private yard. Public water and gas. Westmoreland Schools and convenient location near thruway.

MLS # 1102850

SEE OPEN HOUSES AT: www.UTICAROMEREALTOR.com OR www.CNYREALTOR.com 28

Oriskany Falls

915 Inman Pl -Two unit income property with 3 BR, LR, DR and kitchen in each apt w/ separate utilities (except water) Laundry hook up in basement. Off street parking for 4 vehicles. Whitesboro Schools. MLS #1200197

10586 Steuben St- Charming village home offering 4 BR, 1.5 bath, 1st fl laundry, fireplaced DR and new spacious kitchen w/ granite counters, oak cabinets and more. Full basement and attic.

MLS # 1102550

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L i f e and H o m e s

$64,900

$39,900

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 .

$84,900

200 Wood Rd- Totally renovated 3 bedroom, 1 bath home with extra lot. Perfect for starter home or for downsize. Sunset Manor. New flooring and painted throughout. MLS #1103707

Don’t Try to Predict the Future

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Rates are still the lowest in 50 years! Don’t let your bank put your future on hold.

Get fast, same day service with Syracuse Securities.

February

rguerrieri@ssimortgage.com NMLS ID #53832

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The Area’s #1 Independent Mortgage Banker

www.Life and Homes .com

29

L i f e and H o m e s

www.ssimortgage.com Corporate Office 1010 James St. Syracuse NY13203 315-424-0218 or 800-448-3200 NMLS ID #134875

Roger Guerrieri Cell: 315-338-3055

#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

Audrey Johnson

Cindy Lazzaro

JC Pantola

Barb Roberts

Jenny Carabin

Ben Tringo

John Brown

Bitsy Maye-Rattler Bozena Sroczyk

Patti Palumbo

Judy Hinman

Cindy Major

Cliff Ganey

Keith Schuderer

Tricia Ondrako

Deborah Hapanowicz

Kelli Inserra

Ted Derby

Diane Lockwood

Henri Abiyaghi

Linda Peters

Lori Hamlin

Lori Scalise

Ismail Yildirim

Jay Groah

Marcia Archibald Pauline Nicoterra

Michelle Thompson

Rick Rodio

Veronica Coe

Jake Thurston

Kathy White

Lisa Filletti

Adeline Van Dyke

Shawn Balio

February ■

www.Life and Homes .com

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L i f e and H o m e s

735-8515

Campion-Weeks New Hartford

$339,900

Fabulous 4 BD, 3.5 bath colonial in South Woods. Solarium breakfast rm, FR, DR, finished basement.

MLS#1100735 www.Campionweeks.com 735-8515

Poland

$229,000

Picturesque country setting overlooking West Canada Creek. 3 BD, 2 bath contemporary on 2.8 acres. Great rm, garage, 4 years young.

MLS#1103822 www.Campionweeks.com 735-8515

Marcy

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

$374,000

3 BD, 3 BA colonial. Fabulous kit, DR, 4 season sunroom. FR. Double gar. Outstanding yard w/ inground pool, decks, fireplaced poolhouse.

MLS#1103739 www.Campionweeks.com 735-8515

Clinton

Azza Giorgi

$299,900

Exceptional 4 BD, 3 bath colonial on 39 acres. 3 car garage. FR, dining area. 8 years young. Vernon Center mailing address.

MLS#1200025 www.Campionweeks.com 735-8515

New Hartford

$275,000

Charming early home on 4.6 acres, 4 BDs, 2.5 baths, FR, DR, 2 car garage, bar, guest cottage.

MLS#1100471 www.Campionweeks.com

New Hartford

735-8515

$143,999

Beautiful 3 BD cape w/ loads of updates.

Fireplace, DR, attached garage. Great neighborhood.

MLS#1103729 www.Campionweeks.com 735-8515

Marcy

Susan Alberico

Sam Vedete

Vera Sadallah

Adeline Griffiths

Alice Donnelly

Anne Cesare

Ellen Campion

Anthony Desarro

Brett Lojewski

$185,000

Beautiful stone cape. 4 BDs, 2 baths, DR, attached garage. Many updates.

MLS#1103799 www.Campionweeks.com

Mark Canter

$258,900

Stone front contemporary w/ 4/5 bedrooms, 2.5 baths, great room, DR, appliances, FR, double garage.

MLS#1103797 www.Campionweeks.com 735-8515

Whitesboro

Caroline Marino

735-8515

Carla Dochterman Chris Shephard

South Utica

$159,900

Charming, updated brick colonial. 3 BDs, 2.5 baths, FR, DR, inground pool. Newer roof & furnace. 2 car garage.

MLS#1200053 www.Campionweeks.com 735-8515

Whitesboro

$135,000

Central New York

‘Like New’ updated ranch. Newer roof, siding, furnace, deck, kit. Attached garage. 2 BDs, could be 3. Great yard.

MLS#1103094 www.Campionweeks.com 735-8515

Whitesboro

$79,900

South Utica

$99,500

Just move in and enjoy this 3 BD ranch.

Attached garage, covered patio, new roof & furnace.

MLS#1200208 www.Campionweeks.com 735-8515

South Utica

$127,500

Immaculate 3 BD bungalow in popular neighborhood, DR, hardwoods, 2 car garage.

MLS#1103639 www.Campionweeks.com

East Utica

735-8515

$89,900

Nice 5 BD, 2 bath home in the village. Large lot, vinyl siding, large kitchen, DR.

Vinyl sided, updated 4 BD, 2 bath home. DR, garage.

MLS#1103959 www.Campionweeks.com

MLS#1200142 www.Campionweeks.com

735-8515

$134,900

Whitesboro

$94,900

Carefree living townhouse. 2 BDs, 2.5 baths, fireplace, garage. FR, wooded backdrop.

Well maintained cape. 3 BDs, hardwood floors, applianced kitchen. Attached garage.

MLS#1101551 www.Campionweeks.com

MLS#1102199 www.Campionweeks.com

New Hartford

735-8515

$127,500

Exceptional, updated 2 BD ranch. Gorgeous cherry kitchen, lower level FR, attached garage. Shed.

MLS#1103726 www.Campionweeks.com 735-8515

Rome

$87,000

East Utica

Rome

$119,900

Luis Montero

Linda Kuzniar

Michael Grassi

Marilyn Valvo

Paul Durrigan

Pat LoGuidice

Ruth Fanelli

Rosemary Nicotera

Sabrina Arcuri

Tom Mazzotta

735-8515

$69,900

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

Great 4 unit building, well maintained. Separate utilities, large lot, 2 car garage. Store front.

West Utica

East Utica

MLS#1002174 www.Campionweeks.com

Kim Johnson

735-8515

Updated, vinyl sided 2 family. 2 BDs down, 3 BDs up. 2 car garage. Separate utilities.

MLS#1103970 www.Campionweeks.com

Linda Cavalier

735-8515

L i f e and H o m e s

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735-8515

New Hartford

Leonardsville

$85,000

Spacious 2 story on 7.6 acres. 4 BDs, newer roof & furnace. Double garage. Mt. Markham schools.

MLS#1101813 www.Campionweeks.com

32

735-8515

West Utica

$69,900

Spacious, vinyl sided 2 family. Near Faxton Hospital & collage. Separate utilities. 2 BDs each apartment.

MLS#1103402 www.Campionweeks.com 735-8515

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 .

$77,500

Immaculate 3 BD bungalow. Newer roof, kitchen, bath, windows. Garage.

MLS#1103515 www.Campionweeks.com

735-8515

$54,900

Nice 2 family for live-in or investment. 6 rooms and bath on each floor. Newer windows, updated kitchen and baths.

MLS#1002145 www.Campionweeks.com 735-8515

Jerry Orsaeo

Tips for a Secure Home & Peace of Mind Homeowners often worry about keeping their homes safe and secure for their families. And it’s no wonder: nearly 70 percent of home break-ins are in the form of kick-ins to a door, according to the U. S. Department of Justice.

You have many easy and affordable options for ensuring a safer home, and ultimately, greater peace of mind. Here’s a home security checklist to get you started.

alarm modes, which can be set to alert you to different types of activity at the door - when it’s been open and closed, when it’s been tampered with and when there’s been a forced entry.

Assess the Perimeter

“An alarmed lock provides an added layer of security that many homeowners’ are looking for and can put their minds at ease,” says Chris DeSchamp, Schlage portfolio leader, electronic security.

Walk around your yard at different times of the day to judge lighting and shadows. Think about how family members enter and exit the home from different doorways. Do you have sufficient exterior lighting to ensure that they can enter your home, can see and can be seen?

Install better lighting near every entrance. Take a look at your landscaping from an intruder’s point of view. Plant some thorny or prickly shrubbery below the windows and next to entrances so there’s no place for someone to hide in waiting.

Add an Alarmed Lock

Safeguard the Windows

By making these easy steps to upgrade your home’s security, you’ll not only gain more protection for your family, but you’ll also gain the best security of all - total peace of mind. For more home security ideas, visit www.schlage.com.

(ARA)

Make sure all your sliding glass and patio doors have at least one of the following to prevent

www.Life and Homes .com

33

L i f e and H o m e s

Enhance Security of Glass & Wooden Doors

With today’s technologies, it’s easier and more affordable than ever to monitor and control your home’s security even if you’re not home.

For example, the Schlage LiNK System lets you use any computer connected to the Internet or Web-enabled cell phone to turn lights on and off, check the status of the door, grant entry into the home, open and close blinds, and many more functions.

■

Make sure your windows are also set up for security. Install quality window locks that keep windows in a closed position, to avoid giving criminals an open invitation to enter. Manufacturers offer a variety of options to safeguard different types of windows including double-hung and casement windows.

Monitor Home Security While You’re Away

February

Most alarm systems trigger after a door has already been opened. However, if you don’t have an alarm system, an alarmed lock is a great alternative, and will allow you to instantly hear what’s happening at your door. For example, Schlage, a leader in home security, offers a first-of-its-kind Keyed Entry With Built-In Alarm. It’s an alarmed lock with the added safeguard of a sensor alarm that lets you know when it is being tampered with. It has three

The battery-operated units, which can be seen at www.alarm.schlage.com, costs around $99 and are easy to install and are available at select The Home Depot stores, homedepot.com, lowes.com, amazon.com and build.com.

them from being opened: a track lock, a hinged door bar, an insertion pin lock or a metal or wood dowel inserted into the track that allows it to be opened only when you wish. It’s also a good idea to equip each wooden door with a wide-angle eye viewer so you can identify who may be at the door before opening it.

We Pay Top Dollar for GOLD, SILVER, Coins, Jewelry and Much More

Cash Being Paid

Rings, Necklaces, Bracelets, Earrings, Watches, Silverware, Comic Books, Stamps, Military Items, Sports Cards, Old Coins, Proof Sets, Mint Sets, & Most Collectibles, Estate S ales - Partial or Entire Estate

A Buyer of

We Pay Top Dollar

GOLD, SILVER,

GOLD and SILVER COINS & JEWELRY

315-280-0435

1121 Glenwood Ave. Oneida, NY 13421

L i f e and H o m e s

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Central New York

No Collection too BIG or SMALL!

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 .

10K,14k,18k, 21k, 22k, 24k Dental Gold Sterling Silver & Platinum

Located just past Glenwood Plaza across from Fairview Ave www.ABuyerofGoldandSilver.com

Look for the “GOLDEN”Yellow Building

Coldwell Banker Faith Properties

December 2011 Stars Congratulations to these four Top Selling Agents!

Linda Peters

JC Pantola

Barb Roberts Jake Thurston

2306 Genesee Street Utica, New York 735-2222

www.CentralNewYork.com

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Happy, Healthy and Prosperous New Year to my clients and friends.

Make 2012 the year you buy the home of your dreams.

Vera Sadallah 794-4467

Your experienced. attentive. agent.

Campion-Weeks

1 4 1 G e n e s e e S t . N e w H a r t f o r d • w w w. c a m p i o n w e e k s . c o m

Jean Hunt

23 Oxford Road New Hartford NY 13413

Marcy

for Homes, LLC

$240,000

(315) 223-4868 Listings on www.uticaromerealtor.com

Clinton Schools

This amazing home offers warm hardwoods, bright rooms, two master suites, LR and FAM RM, 3.5 baths, updated décor, fenced yard w/pool, deck , 2 car garage and a view of the city lights. MLS# 1200041 Don’t wait—call!!! Jean 725-4700 Central New York

Whitesboro

Looking for a MOVE-IN ranch style home on quiet street? Totally new INTERIOR—kitchen w/appl., bath, sheetrock, flooring, and EXTERIOR—roof, siding, driveway. Reasonable taxes and utilities. MLS# 1200210 Call Jean @725-4700

North Utica

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L i f e and H o m e s

$109,000

Drastic price reduction on this “next to new” 2 Bedrm, 2010 model single wide with extras, including 50 ft porch, bay window, skylight, leaded glass. Don’t wait—it’s a deal! MLS# 1103452 Call for appt. Jean Hunt 725-4700

North Utica

$83,900 Spacious 3 BR ranch w/att garage and updates galore: Kitchen, Bath, windows, roof, siding, flooring.

Hurry, great value---realistic price!MLS#1200247 Call Jean 725-4700

$114,900 Just bring your furniture and call it HOME! With all the latest colors and style, this beautifully updated and maintained 2/3 BR ranch home offers full bsmt, garage, backyard, patio and appealing neighborhood.

MLS#1103518 Call for appt. Jean Hunt 725-4700

36

$34,500

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 .

The “Local” Hunt Realtor For 30 Years

LifeandHomes™

Open House

Rentals & Open Houses

Info at LifeandHomes.com Daily Updates

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

Affordable Country Living

Sylvan Beach

Rental: $525 p/mth

Windsor Mews • Appliances • Carpeting • Dishwasher Conveniently located on (2 bdrm) • 24 hour VIP bus lines emergency maintenance 417 N. Levitt St reet • Swimming pool Rome • 336–1628 • Playground 1 & 2 BEDROOM APARTMENTS

• Controlled access • Intercoms • Beautiful landscaping • Laundries in each building • Garages • Special pet policies • Picnic area

Landscaped pool area complete with lounge chairs, tables, umbrellas.

Mapledale Community in Barneveld • Come View Our Model Home

• Lot Size 50’ x 100’

• Call About Used Homes for Sale • Municipal Water • Lots Available for Pre-Owned, Park- Approved Homes • 10 min from Utica & 15 min from Rome

1314 Vienna Rd 2 Bedrooms / 1.0 Baths

• Septic • Garbage • Green waste pick-up • Snow Plowing

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

Oneida County Real Estate Investors Steve Ruscitto • 315-761-7277 Investor • steve@cnyres-q.com

Call Scott Kelley • 292.8784

Current opportunities exist in Central NY to earn 9%+ Tired of the low interest rates you earn on your CD’s or Bonds?

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www.Life and Homes .com

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L i f e and H o m e s

For more information contact Tony at capdevelopmentgroup@gmail.com or call 315-525-6291

ask the expert Questions? LIVE CHAT with a Local Business Expert!

Go to www.LifeandHomes.com, select your category and click on Live Chat.

Energy Member Since 04/11

of homeowners will receive a free energy audit.

Comprehensive home assessment.

Environmental INDOOR ENVIRONMENTAL RESTORATION, LLC 315-982-1372 Serving Central NY. IER offers homeowners Member Since 06/11

and home-sellers an inexpensive service that eliminates problem odors at the source: from pets, mildew, smoking and more. Risk free product trials.

Estate Sales THE POTTING SHED ANTIQUES Specializing in estate & moving sales. Full line 315-794-1094 Member Since 12/11

antiques shop. Large inventory of vintage jewelry.

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

Flooring

mantles, custom stone work, custom hearths.

Free estimates.

TRU-LINE LANE & FLOOR 315-735-5299 High quality dust free floor refinishing.

Member Since 05/10

Heating

Generations of high tech methods, knowledge and hard working values provides a stress free experience.

SUPERIOR PLUS ENERGY SERVICES 800-432-8669 Heating Oil, Kerosene, Diesel, Gasoline &

Central New York

Member Since 09/07

FERRELLGAS 800-437-4856

■

L i f e and H o m e s

Heating Equip. Propane in Oneida County. www.SuperiorPlusEnergy.com

COUNTRY SUBURBAN HEATING & AIR CONDITIONING 315-735-5300 Country Suburban will do “Whatever it Member Since 09/07

Member Since 12/11

Log Homes

Home Inspection

KALEX ENERGY COMPANY 315-733-2220 Free or reduced cost energy audits - up to 90%

HOME PRO HOME INSPECTIONS Professional & curteous service -certified & 315-768-6823 315-723-2258 insured. Inspections for buyers & sellers include: Member Since 11/07

Member Since 05/10

price, I pride myself in providing a comprehensive, independent evaluation of your home!

UNIQUELY YOURS 315-868-6611 Good design is not expensive. No 315-429-3911 matter what the budget constraints Member Since 12/11

OVERHEAD DOOR CO. OF UTICA, INC 315-768-7886 Over 50 years combined door experience Member Since 05/10

MOHAWK VALLEY PAINTING Servicing all your interior/exterior 315-404-9323 Member Since11/11

Linda Fake

Owner may be, Uniquely Yours has the ability to create a solution that functions as well as looks beautiful, at any price point.

PM CARABIN 315-534-1277 Member Since 04/11

hauling.“Green or White” Call the Wrights!

Stump Removal BIG EARL’S STUMP REMOVAL We offer FREE estimates and are fully insured 315-363-5217 for both commercial & residential properties. It’s time to get rid of that unsightly stump.

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

a complete kitchen & bath showroom. Our cabinet lines include: Omega, Plain N’ Fancy and Armstrong. Let our design team help you with your next project.

KITCHEN DESIGN CENTER Serving CNY. Check out our winning combina315-724-7049 Member Since 07/08

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 .

Andrew Deno Owner

tion of Kitchen Design Center & Custom Stair & Millwork.We handle Yorktowne & Kraftmaid Cabinetry

Radon...Gone! Since 1995 P.M. Carabin has been eliminating problems in homes and businesses across Central NY. Problems like Radon gas, a radioactive gas proven to cause lung cancer. It is estimated that, on average, 52% of buildings in our area have an elevated Radon level. The EPA recommends levels of 4.0 pci/l be addressed through certified remediation.

Most real estate home inspections now require radon testing. So, put our 100% success rate to work for you.

Roofing LAKESIDE ROOFING - HOME OF KANGAROOF Why pay top dollar for a new roof 866-277-4090 Member Since 11/11

when all you may need is a simple repair? lakesideroofingllc.com

Swimming Pools TREEN’S POOLS 315-717-6499 Sales • Service • Repairs • Installation • Quality & Member Since 04/09

Dependable Service for 20 Years.

Waterproofing WILCOX BASEMENT SYSTEMS, INC 315-896-3979 Serving All of CNY. Basement & Crawlspace Member Since 03/07

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painting needs. Fully Insured/Lead Certified. Free Estimates. mohawkvalleypainting.com

Radon

WRIGHT’S LAWN CARE 315-334-2087 Snow plowing • shoveling walks/roofs • salt/ 315-337-8997 sanding • 24 hour availablility • snow removal &

Member Since 11/11

with fully trained service tech’s. We offer 24 hr emergency service 7 days a week.

Residential or commercial.

Painting

Lawn Care

Member Since 12/11

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

Overhead Doors

Interior Design

takes” to ensure that you are thrilled with your new system and energy efficiency.

For more than 70 years, people all across America have relied on Ferrellgas for their home, business, and agricultural propane needs.

& 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

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

structural, mechanical, plumbing, radon, & water.

SMITH INSPECTION SERVICES, LLC Serving CNY and the Mohawk Valley. Pre-listing 315-363-8074 Member Since 07/08

live ChaT

Waterproof Solutions. Foundation Repair. www.wilcoxbasement.com

Laura Minard

4957 Commercial Drive Yorkville NY

768.1680 Ext. 205 525-1974 Cell

New Construction Colonial Square Twin Homes starting at 219,900 Single family starting at 250,000

Featured Homes

Rome, This is a lot of home for only $127,500 with 4 Bedroom 2.5 Bath 2 car garage large lot. Lots of updates move in ready. Don’t miss this one. www.7799GiffordRd.com

Privacy in the heart of the city comes with this 4 bedroom 3 bath home. Long list of updates.

Guest apartment in Basement. This home has space for everyone. You have to see it sneak a peek at www.1210JervisAve.com

Buckland Estates from $279,900

SOLD

Price Reduced. In Rome.3 bedrooms, 2 baths Cathedral ceilings. Very Open Floor plan, with Cherry Kitchen, Den, Central AC, Hot Water Heat. This home is just waiting for you to move in! Lease possible. www.7987WinfieldCircle.com

Model home in Buckland Estates.

Come check out this model home @ www.6664BucklandDr.com

Price Reduced on this Custom Built home in Delta Lake Estates. Lee tax’s are just one more reason you want to see this home.

For more about this home. www.8633EmeraldCirS.com

Beginning Construction on Next Model!

Own Horses, You know you want to see this 23+/- Acre, Turn Key Horse property. Updated 3 bedroom 2.5 bath home with wrap around porch. 8 stall barn is remarkable with Run in across back to paddock areas, free standing run ins in pastures. This is luxury for you & your Horses. You know you have to see this one! Property fenced & cross fenced. www.3909fostercornersrd.com

For more information on these and other homes in the area go to www.LauraMinard.com or email lauraminard@cbpp.com

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February

Enjem's Flooring America is more than just a flooring specialty store.

We are experts trained in flooring sales and design and will help you find the perfect floor for the way you live.

• Wood, Ceramic, Laminate & Vinyl No-Wax Floors

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• Area Rugs • Carpet & Vinyl Remnants 2010 Oriskany Street W, Utica, NY 13502 (315) 733-0421 • www.enjems.com

• And More!

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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 .