Life and Homes Central New York by Stephen Lisi

Central NY

Life and

Homes

Free March

2011

Make Your an Outdoor Living Room

Deck

Living Large in Small Places

Stylish Local Listings

DIY Smart Home Remodeling Projects Complete Real Estate Listing Directory @ LifeandHomes.com

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At LifeandHomes™ we strive to bring you the best in relevant articles, news, real estate listings, service providers, and advertisers. We want to thank you for your loyal readership of this community magazine. Recently, we had the opportunity to enhance our magazine with new technology. I am sure you have all seen shows like American Idol where you TEXT a number a vote for your favorite contestant or you use a 5-Digit code like 90210 to get the latest scoop on an actor or actress or buy some related merchandise. LifeandHomes™ is now using the same technology to bring your great deals, coupons and valuable information from our advertisers.

Oneida County NY, Edition

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

Kim@LifeandHomes.com

David P. Lisi, RMC

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

On Page 3 you’ll find our “Text Back Directory” listing currently active Keywords used by our advertisers. Or, look through this edition for ads containing our Keyword icon for additional keywords. From your cell phone, text the number 508-315-9967 then the keyword. For example, text “508-315-9967” and the keyword “PIZZA”. What happens next is amazing. In real time you recieve up to 5 coupons to participating pizza resturants in the local area. All you have to do is show the coupon on your phone when you visit that business and start SAVING MONEY!

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

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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.

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Don’t Be

“Fuelish”

With Your Lawn Mower Care

When it comes to getting the most from a lawn mower or other power equipment, using the wrong blend of fuel or skipping off-season maintenance just won’t cut it. The fuel blends and ethanol percentages that may be right for cars—an ethanol concentration greater than 10 percent—are not recommended for power equipment or marine engines. Also, any fuel blend stored in an unused engine may degrade over time and harm small engines. That’s why, experts say, it’s a good idea for consumers to take lawn mowers and other power products to an authorized dealer at the end of each season. “This is a good way to allow a trained professional to properly dispose of unused fuel and ensure the product is ready for next season,” said Mike Rudolph, senior manager, Honda Engines. Consumers can also use fuel stabilizer when not using an engine for more than 30 days. To learn more, visit the Outdoor Power Equipment Institute at www.opei.org. (NAPSI)

Fortunately, you can maximize the living space you have by converting special-use rooms into highly functional rooms that can be used frequently, such as a mudroom, multipurpose living room or an outdoor living space. Don’t forget about those unused nooks and crannies, which can be ideal areas for adding extra storage space. For example, an underutilized alcove can be turned into a customized reach-in closet with a ClosetMaid® do-it-yourself laminate system. An overdecorated small space can look cramped, so cut the clutter. If you can’t get rid of it, hide it by supplementing the furnishings you already own with pieces that double as storage. Built-in seating in the dining room can add much-needed storage while accommodating extra dinner guests. Affordable and stylish options include ClosetMaid Cubeicals®, which come in 2-, 6-, 8- and 9-square designs. They can be placed under the window or used as a side table by the couch and even as a mini entertaining area. Finally, define the areas in your abode and consider furniture that fits the scale of the room. An accessory such as a mirror can become the focal point of a room. It also adds dimension by reflecting natural and artificial light.

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To find out how you can create your own unique storage and organization solutions, visit www. closetmaid.com or call (800) 874-0008. (NAPSI)

Fast-Free and a

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From sky-rise lofts to tiny-size apartments, there are innovative and ingenious ways to get the most out of your space with organizational solutions that beat those small-space blues.

Today, many new homes and apartments are designed smaller with affordability in mind, as Americans cut back on everything from personal spending to the size of their homes. Several recent studies from the American Institute of Architects (AIA) and the National Association of Home Builders (NAHB) indicate that the days of the “McMansion” are over, as consumers look to downsize. In fact, the average size of new single-family homes in America is now about 2,438 square feet and 46 percent of first-time homebuyers purchased homes smaller than 1,500 square feet, according to the NAHB. As homes continue to shrink in size, storage becomes a real challenge.

March

Living Large in Small Spaces

newsShorts

Quick And Easy Steps To Protect Your Gear While the weather can wreak havoc on homes and yards, with the right tools, homeowners can easily and quickly protect and maintain their houses and their gear, even under the worst conditions. The first step is to have the right tools, such as a silicone spray to provide a slick coat of protection for your gear, repel water and inhibit rust. In the garden and yard, you can spray it: • On shovels and garden tools to keep dirt or snow from sticking; • To protect and waterproof lawn ornaments and outdoor wood benches; • On bird feeder poles to keep squirrels and other varmints from climbing up them.

newsShorts National Do Not Call Registry Accepts Cell & Home Phone Numbers The National Do Not Call Registry gives you a choice about whether to receive telemarketing calls at home or on your mobile phone. Most telemarketers should not call your number once it has been on the registry for 31 days. If they do, you can file a complaint at www. donotcall.com. You can register your home or mobile phone for free. Telephone numbers placed on the National Do Not Call Registry will remain on it permanently due to the Do-Not-Call Improvement Act of 2007, which became law in February 2008. You can add your home and/or mobile phone number to the registry two ways: online at www.donotcall.com or by calling 1-888-3821222 from the phone number you wish to verify.

Outside and around the house, it can: • Prevent moisture buildup in outdoor outlets; • Keep doorbells from sticking.

L i f e and H o m e s

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Central New York

Homeowners can also save time hunting down solutions to DIY and home improvement questions with the handy “Solution Finder” search box and HowTo instructional videos at www.liquidwrench.com. They can also get instant product uses on their mobile phones by texting a code provided on the cans. Another helpful resource is the Home 101 section at www.lowes.com, where they can find home upkeep project ideas and tips to help protect their homes inside and out. Liquid Wrench offers six different kinds of penetrants and lubricants. They’re all available nationwide, including in a handy sample sixpack at Lowe’s and other major retailers. Visit www.liquidwrench.com for more information. (NAPSI) 4

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

Living In a

Dust Bowl?

Dust comes from several sources and is difficult to eliminate completely. Increased dust could be a sign that it is time to change a dirty furnace or air conditioner filter or vacuum cleaner bag. Activities that produce dust (such as sanding) can also be a source of an increase. Dust can also be introduced into your home through air leaks in ducts, or air infiltration through leaky doors and windows. To help reduce the amount of dust in your home, take the following steps: Change or clean your furnace and air conditioner filters once a month or according to the filter

manufacturer’s instructions. Temporarily seal the filter in place with metal-back duct tape. Write the date on the tape with a marker so your know when it was last changed. Your clothes dryer should be vented directly to the outside. Inspect the vent duct. Make sure it is attached securely to the dryer. Check that it is clear of obstructions (e.g. lint). Check for holes that leak air. If vent duct is damaged replace it with a metal duct. The vent duct should be cleaned at least once a year. Consider leaving your shoes at the door so you don’t track outside debris-often the largest source of dust -into your house. Sealing air leaks can help to reduce air infiltration that could be a source of dust. Sealing duct air leaks, especially the return duct, can help prevent dust from being circulated throughout your house. (Energystar.gov)

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

315.768.1680 x 203 homes@richardparent.com

FREE Daily Customized Home Searches - Right to Your Inbox! • 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!

Constableville

$598,000 Russia

$269,900 Columbia

$254,900

3091 Schibley Road - 260 acres of seclusion! Meticulously expanded 3,600 sq/ft farm house & barn, great rooms, incredible kitchen, ponds, trails, dog kennel & more.

5107 Military Road - Astonishing 2,516 sq/ ft colonial oﬀers surprises throughout, lavish gardens, in ground pool, post card setting!

373 Beebe Road - Fantastic 4 BR colonial and horse or alpaca farm on 18 acres, spacious living room, 6 stall horse barn, tack room, paddocks, landscaping & gardens.

Sauquoit

$250,000 Barneveld

$249,900 Bridgewater

$239,000 Bridgewater

$199,900 Russia

$189,000 Edmeston

$139,900

West Winfield

$139,900 Waterville

$129,900 Russia

$112,500 Little Falls

$102,900 Marcy

$100,000 Norway

$89,900

2446 Timian Road - Approx 35 Acres w/ incredible hillside views! 2,152 sq/ft farmhouse, riding trails, horse paddocks, outbuildings, 3 barns, additional acreage available.

381 Fairview Circle - Enjoy morning tea in exquisite 4 season sunroom, antique wainscoting, private bedroom balconies, quality kitchen, Spanish tile & beautiful hardwoods.

7357 Trenton Road - 2 homes for the price of one! Stunning updated Victorian oﬀers a gorgeous kitchen, additional 2 family home, just oﬀ Putnam Rd.

7658 Route 20 - Newer built mint ranch! Oak kitchen, eﬃcient heating, garage, work shop, convenient 1 acre rural setting!

2449 Route 8 - Horse & snowmobile riders’ alert! 56 gorgeous acres & hilltop views, 10 stall horse barn, fenced riding areas, 4,200 sq/ft newly constructed home.

5100 Military Road - Fantastic village setting! 1,820 Sq/Ft 3 BR ranch in move in condition, large open kitchen, finished lower level, studio & work shop, 16 X 32 pool.

540 Doe Rd - Custom 2,900 sq/ft log home, large kitchen w/ center island, upgraded appliances, dramatic vaulted LR, cozy loft, 2 fireplaces, media room & more!

103 Cramer Rd -Warm & cozy nights await in this old world charm 4 BR country homestead. Original woodwork, hardwood floors elegant DR, views, separate FR & LR, oak kitchen & more!

5089 Military Road - Classic 3 BR federal style home set on park like 3.8 acres! Open kitchen, loft, sunroom, cherry hardwoods, original features, barn/garage, work shop.

5494 Flanagan Road - A great buy & huge upside potential with TLC on this 3 BR 1,863 sq/ft ranch! Whitesboro schools. Priced to sell!

51 Burdick Ave - Stunning kitchen w/ upgraded appliances, Mint 3 BR ranch on 3 + acres, meticulously finished lower level oﬀers 2 cozy family rooms & more!

1440 Newport Gray Road - Spectacular view on 30 acres!“As Is”ranch, large 2 level 275’ dairy barn, great property to enjoy all seasons & recreation activities, near Adirondacks.

Commercial Properties

New Hartford (Chadwicks) $81,900 Herkimer 3532 Oneida Street - Looking for key updates?…stop here! gorgeous kitchen, sun room, new floors, formal dining, private yard, pride of ownership, stunning gardens.

$79,900 Clark Mills

223 Dewey Ave - Tastefully updated 2 story, gorgeous new maple kitchen & stunning bath, formal dining, new windows, updated electric & lighting, convenient area.

$76,500

76 Millstream Court - Stunning new 1,604 sq/ft ranch! High end upgrades, central air, nice setting, $354 lot rent, mint, Clinton schools.

Other Investment/Land Opportunities

Eagle Bay

$350,000 Rome

$299,900 Rome

$450,000

Building oﬀers many commercial uses, open interior to suit needs, 3,200 sq/ ft main level & oﬃce, large lot, room to expand, plenty of parking.

Residential & commercial property, 4 BR home, Restaurant & Bar, 4 room motel, guest cottages, bar, dining & game room, excellent income potential.

Outstanding location oﬀers high traﬃc & visibility for this 2 pump gas station, room for expansion, well known busy tri corner, solid investment.

$54,900

3,600 sq/ft machine shop shows commercial and residential potential, 2nd floor apartment, close to Erie Blvd & Rt. 365, overhead doors, convenient.

www.RichardParentHomes.com • Ofﬁce: 315-768-1680 x 203

www.Life and Homes .com

L i f e and H o m e s

25 acre Premier Lot 2 Family 7 City Lots 3 Family 6 acre Parcels 19 acre Lot 3 Bedroom Village Home 6.7 acres

$649,900 Thendara

Approx. 40 acre residential 49 home subdivision of partially wooded lots, existing road & homes, home sites oﬀer public water & Rome tax incentives.

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Timian Road, Sauquoit Clementian Street, east Utica South Street, east Utica South Street, east Utica Bray Road, Sauquoit Fiery Hill Road, Little Falls Monroe Street, Little Falls Furman Mills Rd, Brookﬁeld

$699,000 Rome

Prime commercial property located adjacent to Lowe’s Home Improvement, high traﬃc area, corner location with strong visibility, many possibilities.

March

• $75,000 • $74,000 • $65,000 • $50,000 • $38,000 • $34,900 • $27,000 • $19,900

Rome

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

6952 Forbes Rd. - 3 bdrm., 4-years-young Contemporary, 2 1/2 baths, 2,200+ sq. ft., 1+ acre, fireplace, hardwoods. $315,000 7345 Willow Acres Rd - 4 bdrms, 2 baths, 2300 sq. ft, many updates. $147,900 7576 Roberts St-4 bdrm, Ranch, 6 years young, 3 baths, 1,800 sq. ft, 1+ acre, finished basement. $244,900

CLINTON 1 Elliott Pl. - 4 bdrms., updated 2 1/2

baths, 1,700+ sq. ft., fireplace, newer windows. $194,900 315 Stafford Circle N. - PRICe ReDUCeD - 3 bdrm., 2-year-old Ranch, 2 baths, central air, deck. $169,900

DEERFIELD

5655 Trenton Rd - JUST lISTeD 3 bdrms, 1 ½ baths, new kitchen, windows, furnace. $124,900

EAST UTICA

711 James St. - 3 bdrms., 2 baths, newer windows and furnace. $89,900 749 Rutger St. - Two units! Great income potential. $67,000 123 Thomas St. - Two family. Separate utilities. $39,900 518-520 Nichols St. - Three Unit! Updated baths. $49,900 1618 Dudley Ave. - 3 bdrm. flats, great income. $33,900 624 Blandina St - JUST lISTeD - Two Unit! Separate Utilities. $64,000 904 Third Ave - PRICe ReDUCeD - Two unit! newer furnace and windows. $35,000 517 Bacon St - JUST lISTeD - Three unit. Garage! $65,900 1618 Harrison Ave - 4 bdrms, 2 baths, 1,600+ sq. ft, hardwoods. 82,900 1139 Hammond Ave-JUST LISTED Two Family! Separate Utilities. Updated Window and Furnace. $89,900

FLOYD

8158 River Rd. - 4 bdrms., 2 1/2 baths, 2,300+ sq. ft., Oriskany Schools. $124,900

Central New York

FORESTPORT

11821 Woodhull Rd. - Fully established commercial property. 5,000+ sq. ft., 5+ acres. Retail store, plenty of parking, lodging and a leased barn. $319,000

FRANKFORT

L i f e and H o m e s

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107 Sunflower Circle - 3 bdrm., 7-year-old Colonial, 2 1/2 baths, 2,000 sq. ft., fireplace. $239,900 227 Third Ave - JUST lISTeD 3 bdrms, 1 ½ baths, 1,400+ sq. ft, newer windows,

deck. $79,900 410 Wheelock Rd - 3 bdrms, 2 baths, 5+ acres, views. $99,900

128 Clinton Rd. - 3 bdrm. Ranch, 1 1/2 baths, hardwoods, deck, deep lot. $99,900 1 Larchmont Dr. - PRICe ReDUCeD - 3 bdrm. ranch. Family room, newer furHERKIMER nace. $89,900 901 Westwood Dr. - 4 bdrms., 2 1/2 baths, 1905 Tilden Ave -3 bdrm, Sherman hills 2,900+ sq. ft., open floor plan, newer roof, Ranch, 2 baths, fireplace, hardwoods. $149,900 windows and siding. $194,900 120 Church St. - 2 bdrms., 1,400+ sq. ft. $42,900 Cook Rd - land and lakes Development! 5 acres. $29,900

HINCKLEY LAKE

224 MacArthur Rd. - Waterfront! 4 bdrms., 2 baths, 2,000 sq. ft., open floor plan, fireplace, 19 acres. $269,900

ILION

53 W. River St. - 3 bdrms., updated kitchen, hardwoods, deck. $75,000 46 Second AveJUST lISTeD 4 bdrms, 1 ½ baths, 1,700+ sq. ft, hardwoods, newer roof and windows. $89,900

NEWPORT

LEE

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

8609Turin Rd. - PRICe ReDUCeD - 3 bdrm. ranch. $79,900

LITTLE FALLS

Shells Bush – JUST lISTeD 3 bdrms, 2 ½ baths, 2400 sq. ft, 2 acres, deck. $219,900

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

NEW HARTFORD

112 Danberry Circle - PRICe ReDUCeD - 3 bdrms., 3 1/2 baths, fireplaces, cathedral ceilings,“3” car garage. $399,900 7 Christopher Circle - PRICe ReDUCeD - 3 bdrms., 2 1/2 baths, 2,100+ sq. ft., fireplace, hardwoods, updated kitchen and baths. $187,900 38 Janet Terrace - 4 bdrms., 3 baths, 2,700 sq. ft., flexible floor plan, newer furnace and windows. $199,000 10 Bohling Rd. - MOTIVaTeD SelleR SaYS MaKe an OFFeR!! Village 3 bdrm, Ranch, 2 baths, hardwoods, fenced yard. $109,900

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 .

10 Estates - JUST lISTeD - 2 bdrm, Townhouse, 2100+ sq ft, 2½ baths, fireplace, master suite. $279,900 1434 Graffenburg Rd - 4 bdrm, Colonial, 2 ½ baths, 2, 200 sq. ft, hardwoods, deck, newer kitchen and roof. $224,900 9363 Mallory Rd - 4 bdrm, Ranch, 2 baths, 2,800+ sq. ft, fireplace, Master Suite, deck. 249,900 6 Westminster Circle -JUST lISTeD 3 bdrms, 2 ½ baths, 2,600+ sq. ft, deck, new baths and windows. $197,900 10 Estates Dr - 2 bdrm, Townhouse, 2 baths, 2,100+ sq. ft, fireplace, Master Suite, finished basement, deck. $279,900 5 Coxe Ave – JUST lISTeD 4 bdrms, 2 baths, 1,500+ sq. ft, Family Room, fireplace. $139,900 26 Paris Rd – JUST lISTeD Village Two Family! Prime location. Parking. laundry. $119,900 121 Colonial Dr - JUST lISTeD 4 bdrm, Ranch, 1 ½ baths, updated kitchen and bath, hardwoods, deck. $135,900 4034 Oneida St-JUST lISTeD 3 bdrms, 2 baths, 1700+ sq. ft, Family Room, fireplace. $139,900

DUCeD - 3 unit. Many updates. $119,900

NORTH UTICA

6 Wilbur Rd - 2 bdrms, open floor plan, deck. $74,900 Chestnut Dr - Chestnut hills Building lot. $32,400 43 Irving Rd - JUST lISTeD - aﬀordable new hartford home! 1 bdrm, eat-in kitchen. $44,900 1 Norwood Rd - JUST lISTeD - 3 bdrm, Ranch, 2 baths, updated kitchen, hardwoods, central air, great lot. $144,900

617 Cosby Rd. - PRICe ReDUCeD - 3 bdrm. ranch, 2 baths, hardwoods, fireplace. $114,900

ORISKANY

REMSEN

6017 Military Rd. - 4 bdrms., 2 baths, 2,200 sq. ft., hardwoods, “3” car garage, Poland School District. $244,900

ROME

7988 Northwood Dr. - 4 bdrms., 3 baths, 2,000+ sq. ft., fireplace, deck, newer roof. $134,900 429 E. Locust St. - 3 bdrm. ranch, updated furnace and roof. $74,900 130 Victory Dr. - 3 BRs, 1,100+ sq. ft., hardwoods, newer furnace. $59,900 1017 Clinton St - 2 bdrm, Ranch, oak kitchen. $69,900 807 Calvert St - JUST lISTeD 3 bdrms, 1 ½ baths, hardwoods, newer furnace. $79,900 102 N. Crescent Dr -J UST lISTeD 3 bdrms, eat-in kitchen, 1st floor laundry, corner lot. $64,900

SAUQUOIT

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. $129,900

SCHUYLER

Johnson Road - Private 9+ acres. Frankfort-Schuyler schools. $16,000 41 Louis Rd - land and lakes Development! 11 Prime acres. $44,900

SOUTH UTICA

2100 Genesee St. - PRICe ReDUCeD - Commercial opportunity. 2,700 sq. ft., renovated 1st floor, new windows. $169,900 2 Arlington Terrace - 3 bdrm. Ranch, 2 baths, hardwoods, finished basement. $109,900 827 Rose Pl. - 2 family! Separate utilities. $79,900

VERONA

5600 E. Main St. - PRICe ReDUCeD - Prime commercial acreage! 2+ acres. Frontage on Rt. 365. $125,000

WEST TURIN

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

WEST UTICA

Rt. 69/Thomas Rd. - MOTIVaTeD SelleR 1223 Butternut St. - 3 bdrms., formal dinSaYS MaKe an OFFeR! Subdivided ing, hardwoods, covered porch. $79,000 12+ acres. Possible Owner Financing. $75,000

YORKVILLE

6 Trinity Ave. - PRICe ReDUCeD! 2 bdrms., hardwoods, formal dining. $64,900

Kay Delano Real Estate

Kay Delano Suzanne Fellows Bonnie (Legg) Mahon Broker

Sales Agent

315.868.6514

315.404.7513

Sales Agent “Back in the Valley”

315.867.4879

Railroad St, Poland, NY • 315-826-7070 New Kayuta Lake Subdivision, Remsen Spring is just around the corner! Excellent opportunity to build your new home or cabin on beautiful kayuta lake. Gorgeous views of the lake! New roads have been built. All properties have been surveyed and perked. $35,000 6 Lake access lots. Ranging from 1-2 acres. All lake access lots will have deeded rights to the lake. A new lake access road has been built. Docks will be provided. $55,000 Lakefront lot. 45 ft on the water. Largest lot at 2.2 acres. $95,000 2 Lakefront lots. 300-350 ft water frontage. $120,000 Beach, 400 ft lakefront lot. Drilled well. Call Kay at 315.868.6514 for more details and to schedule a private showing.

Ohio

$69,000

Just listed! Rte. 365, Ohio. Borders state land across road and next to it and West Canada creek is in the back! Private, no neighbors. Immaculate 3 bedroom, 2 bath home, comes furnished. Nice barn for all the toys! 3 Minutes to Hinkley Lake, near trails, cheap taxes!

Ohio

$Make an Offer!

1.3 acres. 3 bedrooms, new kitchen, master br on 1st floor, new bath, enclosed front porch, patio. Full basement, all utilities up to date, needs nothing. Metal roof, vinyl siding and vinyl windows. Very well maintained home. Detached garage for all the toys completes this home. Located close to trails. Poland schools.

$25,000 TWO HOUSES FOR $25,000!!!!! COLD BROOK EXCELLENT RENTALS OPPORTUNITY. $151,000 Newport, cute cabin on 66 acres, wooded, fields, views. Excellent hunting, and sledding location. $159,000 Sacandaga Lake, beautiful log cabin, lake access lot with the best views on the lake. Great fishing, boating and sledding. $185,000 East Springfield, 1793 center hall colonial, 4 bedrooms, 5 fireplaces, 3 baths. just gorgeous. Would make a beautiful home or bed-n-breakfast. 10 minutes to Cooperstown and Canadarago Lake.

Stratford

$Make an Offer!

Avery Rd - Beautiful country home on 10 acres. 3 br ranch, enclosed porch, in-law apartment in basement. New roof. Huge 2 story, 2 stall garage, shed. Stream running through property. In the heart of snowmobiling and hunting country. Private location.

INNOVATIVE CUSTOM HOMES

$174,900 Poland 5 bedroom victorian with 7 garages! $64,000 42.8 acres, open fields with million dollar views. Route 170. Near trails. $57,900 29.4 acres, 360 degree views of everywhere! Excellent spot for your new home. Route 170. $54,900 High Street, dead end, private, large 4 bedroom home, parking. Priced to sell.

West Winfield

$119,000

Cty Hwy 18 - Located in beautiful Unidilla Forks across from the Unidilla River is the classic 3 bedroom victorian with wrap around porch, hardwood floors and tons of charm. Gorgeous yard with 2 story barn and patio for entertaining. Owner anxious, all offers will be considered.

LAND LISTINGS 19,900 Owner financing! Ohio,10 wooded acres, not logged, needs to be! Private location, close to trails and state land. Great spot for your cabin or camper. $37,900 Norway, 16 acres with great views. Stream running through property. Borders approximately 360 acres of state land on the south and east. Great hunting! $59,000 Ohio, 40 wooded acres, private, trails, streams. $29,000 New Hartford, 1.5 acres, Valley View Road, excellent building location. $10,000 Russia, Silverstone Road, 1.3 acres, stream. Great spot near 4 lakes and trails.

Herkimer

$41,000

N. Prospect St. - Income property. College home profiting 20,000 plus a year. Vacant in summer months. Utilities included. 6 Tenants, each paying $2300 per semester. New roof, furnace and hot water tank. Just listed. No sign. Call for aptmt.

Walk thru our homes from the comfort of your home at

icustomhomes.com or innovativecustomhomes.com

Top Quality Homes, Built to Your Speciﬁcations.

With more than forty years experience in quality residential construction, Innovative Custom Homes offers: >> Hands-on, personal attention to your project.

>> Free Design & Plan Service

ENERGY STAR Labeled Homes New York State

Call Robert Gutheinz Today at (315)738-0612 www.Life and Homes .com

L i f e and H o m e s

>> Energy Star approved efficiency options.

Money Isn’t All You’re Saving

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>> The area’s best craftspeople and suppliers.

March

>> The latest materials, technologies, and techniques.

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Cost Effective Ways to Boost Curb Appeal Anyone who's ever bought, sold or even just looked at a house can tell you first impressions matter. A house can be filled to the rafters with luxury touches, but if it lacks curb appeal, few potential buyers will ever step in the door to see what's inside. With real estate sales still sluggish across the country, curb appeal is taking on a new meaning for many homeowners. While an attractive home exterior can still boost potential resale value, homeowners are also looking at curb appeal as a way to enhance the enjoyment of their homes. Giving the exterior of their home a facelift not only makes the house stand out on the street, it also allows homeowners to "move up" without the expense of remodeling or moving.

curb appeal while stretching your budget. Quality materials retain their beauty over time better than cheaper materials. * Illuminate. Light is a powerful accent, and, thanks to the availability of easy-to-install solar lights, you don't need to pay a professional to light your landscape. Solar lights - readily available in home improvement stores - provide decorative illumination to driveways, walkways and gardens. * Introduce shade. Arbors and trellises adorned with flowering vines are not only beautiful in warm months; they're a great way to add areas of shade to your landscape. They can even be used to block the scorching heat from the afternoon sun from parts of your home's interior. Building an arbor or trellis is well within the capabilities of

Fortunately, many curb appeal-enhancing projects can be cost-effective too, yielding significant improvements for a modest investment. "Projects can be inexpensive and simple while adding tremendous value and curb appeal," says Mark Clement, HGTVPro.com how-to expert and host of "MyFixItUpLife."

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* Choose materials that are durable and stylish. Skimping on materials may seem like a great way to save money, but you could end up spending more in the long run if you have to redo a job that was first done with lower quality materials. Purchase the best quality materials you can afford - not only will they look better than cheaper goods, they'll last longer and provide more enjoyment and value. * Dress up the exterior with accents. Adding touches like accents to gables, posts and beams, drain chains in place of downspouts or planter boxes made with beautiful, sustainable materials like Western Red Cedar is a great way to improve 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 .

* Add a splash of color to your landscape with lowmaintenance plantings that require little attention. As an added "green" step, consider plants that require less water, too. Your local home extension office can help you identify what types of plants will grow best in your region. * Think "green." Whenever possible, choose materials that are truly sustainable, like Western Red Cedar. Sustainable materials are ones that have been harvested and/or manufactured through methods designed to reduce their impact on the environment. "Natural, long-lasting materials, like real wood, return beauty, durability and value," Clement says. (ARA)

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If you're looking for low-cost, high-impact ways to create or improve curb appeal, consider these ideas: * Make small improvements that have a big impact. Simple touches like repainting the front door, window trim and shutters, planting flowers, and switching outdated light fixtures can create a whole new look. Plus, these simple improvements have the advantage of being scalable. Instead of re-siding the entire house, you can freshen the facade by tackling smaller portions, such as a porch or garage. Later, if you want to continue the improvement, you can re-side other areas of the facade.

most do-it-yourselfers. For free ideas and plans, visit www.wrcla.org.

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Little Falls

$348,500

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Little Falls

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Historic Brick Federal, built in 1827, featuring 4 bedrooms, 2 full baths, 4 ﬁreplaces. Meticulously and lovingly restored.

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This 4 bedroom, 2.5 bath Colonial style home with attached garage features open ﬂoor plan and private yard.

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March ■

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Marcy

$389,900

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Central New York

Barneveld

$249,900

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

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Gaetano Belmonte

$279,900

Buckland Estates - 3 BR/2BA ranch at $279,900 and 4 BR/2.5 bath Colonial priced at $269,900, call for ﬂoorplans and location. Laura Minard Ext. 205

Little Falls

$234,000

Brick Federal style home featuring 4 bedrooms, 2 full baths and 4 ﬁreplaces. This 3385 sqft. home has been meticulously restored. Gaetano Belmonte Ext. 202

Clinton

Gloria Rocci

$262,500

Eat-in kitchen with spacious breakfast bar & new appliances, 4 generous size bedrooms 3.5 baths. Inground pool, new landscaping, updates galore! Jodie DeCosty Ext. 201

Remsen

$219,900

What a stunning setting! Well maintained Cape set on 15 plus beautiful acres. First ﬂoor master, 3 additional bedrooms, 2 full baths. Jodie DeCosty Ext. 201

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Sauquoit

Richard Parent

$250,000

35 acres & incredible views! 2,152 sq/ ft 4 bedroom farmhouse, beautiful open kitchen, riding trails, horse paddocks, outbuildings & more. Richard Parent Ext. 203

Sauquoit

$219,000

Picture perfect! Updated farmhouse with all the character. Newer addition with new kitchen. Beautifully landscaped on 7 acres plus additional lot. Gaetano Belmonte Ext. 202

Rome

$249,900

This spacious home boasts soaring ceilings, large windows, hardwood ﬂoors and ﬁreplace. Beautifully landscaped, bordering country club. Gaetano Belmonte Ext. 202

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$189,900

Colonial Square intergenerational community, offering twin and single family homes starting under $200,000. Reduced property taxes. Newest Model is open. Laura Minard Ext. 205

Waterville

$129,900

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

Clinton

Ext. 203

$90,000

Move right into this Clinton charmer! Character throughout, LR, DR, country kitchen, 1st ﬂr laundry, newer bathroom, 3 bdr, sun & side porch. Call for updates. Jodie DeCosty Ext. 201

Clinton

$184,900

Spacious 3 bedroom, 2 bath ranch with hardwood floors, gas fireplace in family room in new addition. All new carpeting and light fixtures. Gaetano Belmonte Ext. 202

Utica

$129,000

Great 3 car garage goes with this 3 bedroom 1 bath home on corner lot. Freshly painted interior, updated bath, new carpeting. Pat Townsend Ext. 218

Clark Mills

$79,900

Three bedrooms & one bath with hardwoods, new furnace, hot water heater and some updates. Nice 2 story home in great school district!!! Pat Townsend Ext. 218

New Hartford

$179,500

What a beautiful ranch plus an apartment for extra income. Zoning also has perks for small business. A lot of updates…meticulous! Gloria Rocci Ext. 217

Oriskany

$114,000

Large comfy home with in-law or income apt., 3 bed 1 BA/main ﬂr. and apt. has 1 BR, 1 full 1 half bath. Could be a single family or anything you care to make it. Laura Minard Ext. 205

Utica

$74,000

Strong curb appeal in this large E. Utica 2 family home, let your rent pay your mortgage! Separate utilities, each unit offers 3 BRs. Call for more details. Richard Parent Ext. 203

Lee

$160,000

Spacious 3BR/2BA raised ranch. Updates: hardwoods & laminate ﬂoors, updated baths, new range & dishwasher. Generous lot w/ in-ground pool & shed! Laura Minard Ext. 205

New Hartford

$104,900

Reduced! Why wait until spring? Located off Paris Road; you will enjoy the private park like setting of this 3 bedroom Cape Cod. Lisa Filletti Ext. 206

Bridgewater

$70,000

Cozy, Comfortable & Convenient describes this property. Eat-in kit w/plenty of cupboard space & new linoleum. 2nd ﬂr attic space offers expansion possibilities. Debbie Roberts Ext. 239

Utica

$154,500

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

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Whitestown

$102,900

Updates & Upgraded 2-3 bedroom ranch. Enlarged master w/walk-in closet. Bath w/Jacuzzi tub, infrared sauna! Call Pat for a list of upgrades, 272-9434. Pat Townsend Ext. 218

Utica

$29,000

Handy man special. Needs 1st ﬂoor windows, plumbing & heating elements. 1st flr has Rochester type flrs & 2 fireplaces. Being sold as is as seen. Pat Townsend Ext. 218

March ■

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Phyllis Goworek • 315-335-2745

Jodie DeCosty • 315-723-8554

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$249,900 5612 Log Point Road - Waterfront

Clinton

3 Bedrooms / 1.0 Baths

4 Bedrooms / 3.5 Baths

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For more details visit www.LifeandHomes.com Type in Quick Search #57528

Weichert Realtors Champion Weeks

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Mark Canter • 315-794-3452

Jodie DeCosty • 315-723-8554

Lic. R. E. Agent • mcanter@roadrunner.com

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Low Mortgage Rates • Homestead Financial 315-768-1980

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Clinton

$262,500

123 Homewood Drive

Licensed Mortgage Banker NYS Banking Dept

Constableville

$439,900

$99,900

76 College Street

3708 Sweeney Road

5 Bedrooms / 2.5 Baths

2 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42414

For more details visit www.LifeandHomes.com Type in Quick Search #41212

Clinton Real Estate

Barbara Dunn Realty

Barbara Frank • 315-853-4400

Barbara Dunn • 315-337-1677

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

Broker/Owner • dunrealt@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

Licensed Mortgage Banker NYS Banking Dept

Constableville

11 Toggletown Road

$339,900

$127,000 3706 Sweeney Road / 15 Acres

3 Bedrooms / 2.5 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #51453

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

Barbara Frank • 315-853-4400

Barbara Dunn • 315-337-1677

Clinton Real Estate

Barbara Dunn Realty

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

Broker/Owner • dunrealt@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

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Deerfield

30 Fountain Street

$289,900

$289,900 6761 Crooked Brook Road

2 Bedrooms / 2.5 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42295

For more details visit www.LifeandHomes.com Type in Quick Search #51455

Barbara Frank • 315-853-4400

Art VanVechten • 315-732-3113

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

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â&#x2013;

How to Make Your Deck an Outdoor Living Room Nothing beats relaxing in the shade or entertaining a group of guests on your own private deck. When you take the time to plan your deck for the way you live, the result can be a versatile living space and a value-boosting addition to your home.

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 .

Trent Boozer, publisher of Extreme How-To magazine, notes his readers have made it clear that decks are one of the top projects they love to design and build. The Internet is full of deck plans and planning tools - and with the range of decking products and accessories on the market, every deck can take on a personality of its own, he says. Personalization is what makes the deck an extension of the home, says Rick Preble of Deckorators, the leading deck accessory brand that embraces the concept of deck personalization. "The idea of an outdoor living room has really materialized as people have reattached to their existing homes," says Preble. A costeffective way to add square footage and upgrade your lifestyle without moving is with a deck. With all the deck products and accessories available today, homeowners can customize their outdoor rooms." Deckorators has made the process of mixing and matching different deck accessories and building materials easy with a new, easy-touse online design program: the Deckorators' Deck Visualizer. The online tool is free and provides homeowners a way to visually discover the different design options they like best for personalizing a deck.

Homeowners who want to build or who are renovating an existing deck will find new trends for 2011. One material making its move onto decks is stone.

"Stone or simulated stone on a deck has become possible with new products, and it's another example of interior design trends and the mixing of various elements making their way to outdoor living areas," Preble says. Experts agree that putting the time into planning your deck up front and knowing what your product options are is the best way to ensure you end up with a space your family will embrace as a true outdoor living room. (ARA)

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Michael Beaudry, executive vice president of NADRA, says consumers are definitely hungry for deck design ideas and information on new products. NADRA offers resources to help consumers with deck and rail design and deck safety. The organization's website also provides access to more than 1,750 different building products companies.

â&#x2013;

"This deck design program is fun for homeowners to use and is a great tool for deck planning," says Preble. "We work with hundreds of deck builders, and they appreciate having this when working with clients. It allows

The North American Deck and Railing Association website (nadra.org) is another good place for consumers to start when gathering information for a deck build. The organization has a large gallery of photographs of decks that have received national awards for design or construction.

Deckorators cast stone Postcovers, which install over rail posts, are one new product in high demand. The postcovers provide the same look and feel as natural stone columns, but are designed to install over basic wood posts. Postcovers are hand-painted to look like cobblestone, fieldstone or stacked stone. The simulated product costs far less than real masonry work and makes it possible for doit-yourselfers or contractors to add simulated stone columns to a deck.

March

The Deck Visualizer allows the user to set the virtual deck environment to a lake or backyard view and then change the deck accessories for limitless combinations. Users can select the color or grain of composite or wood decking, select the style of metal or even glass balusters, add baluster infill centerpieces, change railing colors, and add post caps, lighting options and even stone.

both consumers and deck builders to visualize different options and choose deck products prior to constructing a deck."

LifeandHomes.com Forestport

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$64,900

9600 Podunk Road

1 Bedroom / 5 Plus Acres

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #51469

For more details visit www.LifeandHomes.com Type in Quick Search #57519

Elizabeth Miller • 315-796-3910

Century 21 Gentry Realty

Broker/Owner • liz.miller@century21.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Frankfort

Licensed Mortgage Banker NYS Banking Dept

Marcy

$164,900

6605 Buckland Dr

3 Bedrooms / 2.0 Baths

4 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #57540

For more details visit www.LifeandHomes.com Type in Quick Search #51442

Carol Scampone • 315-797-7100

Gaetano Belmonte • 315-768-1680

Coldwell Banker Prime Properties

Lic. R. E. Broker • ginascampone@yahoo.com

Realtor • Homes@GaetanoBelmonte.com

Low Mortgage Rates • Homestead Financial 315-768-1980

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Herkimer

Licensed Mortgage Banker NYS Banking Dept

Marcy

$58,000

5740 Carey Road

3 Bedrooms / 1.5 Baths

3 Bedrooms / 3.0 Baths

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

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

Patricia Morreale • 315-793-7580

5740 508-315-9967

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Herkimer

SBG Realty

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Leslie Nicolette • 315-985-0212

Lic. R. E. Agent • Parispm2@yahoo.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Middleville

$55,000

310 Dewey Ave

$14,500 Herkimer County - Building Lots

3 Bedrooms / 1.5 Baths

5 to 40 Acres

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

For more details visit www.LifeandHomes.com Type in Quick Search #57533

Leslie Nicolette • 315-985-0212

Tom Koehler • 315-891-3254

Bruce Ward & Company

Tom Koehler Real Estate

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

Owner • newhomesmodular@yahoo.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Ilion

Licensed Mortgage Banker NYS Banking Dept

Middleville

$128,900

Mini Country Estate

4 Bedrooms / 2.0 Baths

Investment Property

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

For more details visit www.LifeandHomes.com Type in Quick Search #57536

Leslie Nicolette • 315-985-0212

Tom Koehler • 315-891-3254

Tom Koehler Real Estate

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

Owner • newhomesmodular@yahoo.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Central New York

Licensed Mortgage Banker NYS Banking Dept

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Middleville

$189,900 Herkimer County - Pond View Estates

Newport

3 Bedrooms / 2.5 Baths

Cabin on 63 Acres

For more details visit www.LifeandHomes.com Type in Quick Search #57532

For more details visit www.LifeandHomes.com Type in Quick Search #57537

Tom Koehler • 315-891-3254

Kay Delano • 315-826-7070

Tom Koehler Real Estate

Kay Delano Real Estate

Owner • newhomesmodular@yahoo.com

Broker/Owner • kayd3659@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

Licensed Mortgage Banker NYS Banking Dept

Oneida

28 Tennyson Road

$275,000

$149,900 4762 State Street - 2 Family

4 Bedrooms / 3.5 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #57526

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

Accent Brokerage, Inc.

Tricia Ondrako • 315-219-5990 Lic. R. E. Agent • tondrako@accentbrokerage.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

TEXt:

4762 508-315-9967

$244,900

Lic. R. E. Agent • Parispm2@yahoo.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Oneida

$299,900

1855 West Road 5 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42142

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

Jay Groah • 315-272-3975

Sue Rosendale • 315-374-7451

Licensed Mortgage Banker NYS Banking Dept

New Hartford

Hunt Real Estate ERA

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

Low Mortgage Rates • Homestead Financial 315-768-1980

$174,900

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Oriskany

$194,900

307 Higby Road

6387 Reid Lane

3 Bedrooms / 2.5 Baths

5 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42017

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

Dorothy Neumann • 315-527-3542

Jill Shafer • 315-334-1046

NeuDot Realty

Broker/Owner • neu.dot@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

$79,500

Clemens-Beckley Real Estate Lic. R.E Salesperson • JILLEATON2@HOTMAIL.COM

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Oriskany Falls

$69,000

19 New Hartford Street

Valley View Road

3 Bedrooms / 1.0 Baths

Historic Barn with 5 Acres

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

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

Joel Siegfried • 315-793-7580

Amy La Clair • 315-790-4153

SBG Realty

Broker/Owner • info@sbg-realty.com

Licensed Mortgage Banker NYS Banking Dept

Barbara Dunn Realty 117 MAIN ST BOONVILLE, NY 13309 315-942-4408 WWW.CENTURY21GENTRYREALTY.COM

SELLING MILES OF THE LOCAL MARKET ONE YARD AT A TIME.

Let a Professional Challenge Your Assessment! 215 N. James Street Rome 315-337-1677 • dunnrealt@aol.com

www.Life and Homes .com

L i f e and H o m e s

Certified NY State Appraiser and over 30 years experience in Real Estate in Oneida and Herkimer Counties.

■

Contact Allen Appraisal

315-736-2020

Low Mortgage Rates • Homestead Financial 315-768-1980

March

Are your real estate taxes too high?

New Nest Realty

Broker/Owner • info@newnestrealty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Call David Allen

Patricia Morreale • 315-793-7580

5 Bedrooms / 2.5 Baths

Licensed R.E. Agent • jlgroah@gmail.com

307 508-315-9967

SBG Realty

52 Woodberry Road

Coldwell Banker Faith Properties

TEXt:

$151,000

244 North Gage Road

LifeandHomes.com Poland

Open Market Listing Service™ Rome

$174,900

8875 Route 28

1308 Bedford St

4 Bedrooms / 1.5 Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #57538

For more details visit www.LifeandHomes.com Type in Quick Search #51441

Kay Delano Real Estate

Coldwell Banker Prime Properties

Kay Delano • 315-826-7070

Gaetano Belmonte • 315-768-1680

Broker/Owner • kayd3659@aol.com

Realtor • Homes@GaetanoBelmonte.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Remsen

TEXt:

Star 508-315-9967

Licensed Mortgage Banker NYS Banking Dept

Rome

$45,000

$62,000

Starr Hill - Prime Acreage

308 River Road

15 Acres

2 Bedrooms / 2.0 Baths

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

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

Oneida County - FSBO

Don Kingsley Real Estate

Al Lindsey • 270-977-8555

Thelma Chase • 315-363-5464

FSBO • arl@lindsey-family.com

Assoc. Broker • thinkthelma@twcny.rr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

Licensed Mortgage Banker NYS Banking Dept

Rome

$154,000

$54,900

6559 Elmer Hill Road

535 W. Embargo Street

3 Bedrooms / 2.5 Baths

3 Bedrooms / 1.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #42443

1St. Rome Realty

HomeComing Realty

Tracy Winterton • 315-335-3843

Denise Witchley • 315-337-0841

Lic. R.E Salesperson • tlwinterton@hotmail.com

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

Licensed Mortgage Banker NYS Banking Dept

Rome

$249,900

$92,500

1308 N Madison Street

1400 Franklyn Street

4 Bedrooms / 2.5 Baths

2 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #57525

For more details visit www.LifeandHomes.com Type in Quick Search #51465

Accent Brokerage, Inc.

RE/Max All Pro

Becky Smith • 315-868-3098

Tony Abone • 315-339-2222

Broker/Owner • rsmith@accentbrokerage.com

Broker/Owner • proabone@cnymail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

Licensed Mortgage Banker NYS Banking Dept

Rome

$139,900

$76,500

6855 OBrien Road

313 Maple Street

3 Bedrooms / 1.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #51459

For more details visit www.LifeandHomes.com Type in Quick Search #51467

Clemens-Beckley Real Estate

RE/Max All Pro

Jill Shafer • 315-334-1046

Tony Abone • 315-339-2222

Lic. R.E Salesperson • JILLEATON2@HOTMAIL.COM

Broker/Owner • proabone@cnymail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Central New York

Licensed Mortgage Banker NYS Banking Dept

KD Homes

featuring

Bill Lake Homes

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

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

■

L i f e and H o m e s

$209,000

KD Homes Rt 12 Waterville, NY 13480

841-8700

email kdhomes@frontiernet.net web kdhomesny.com

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

TEXt: Professional & Courteous Real Estate Services

NEST 508-315-9967

340 Main Street Oneida, NY 13421

HUNT Real Estate Corp. invites you to celebrate our 100th year in business - Proudly assisting thousands of families with all of their real estate & homeownership needs.

315-363-5533 I have now joined the Hunt Real Estate, ERA Team! With the vast array of services Hunt has to offer to its agents and customers I can provide you the best possible support for all your real estate needs!

Clayville

$285,000 Whitesboro

Historic landmark of Clay Manor. Beautifully restored colonial with original floors and woodwork. 3 Porches, an elevator, fountain, 5 fireplaces, on 15 acres of land.

Call, e-mail, or text me anytime. Member of Utica/Rome & Syracuse MLS

$109,000 Rome

Come see this updated 2-3bd 1ba ranch. Ideal for starter home or for downsizing. Many updates. Heated inground pool. Hardwood under carpet. Ready to move into and owner anxious to sell!

$77,900

Nice 3 br possible 4 with 1.5 Ba. Updates include windows, flooring, sheetrock walls, doors, he furnace (92%) & hw tank. 1St fl laundry, formal dr, beautiful oak woodwork & sun porch.

Jim Lenahan

Associate Broker & Trained Buyer’s Agent

Email: jim.lenahan@huntrealestate.com Cell: 315-723-2270 Office: 315-363-5533 ext 207

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

Nearly New

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

Utica

$139,900 Yorkville

On the parkway/w view of val bias ski area!Tons of updates/renovations with new granite kitchen, baths, doors, electric, lights, walls, insulation, 2tier deck, vinyl fence.

Gracious Community Living • Meticulously Maintained • Rome Water Secure • Financing Available • No Closing Costs • Westmoreland Schools Open Mon, Tues, Wed, Fri, Sat by appointment New Homes on Display from $72,000!

New Luxury Home - Now on Display

New Home - Now on Display

Huge custom ranch, attic with staircase, stainless steel appliances, disposal, This new 3 bedroom 2 bath home has it all - fireplace, all kitchen appliancesenergy star. Located on a pretty high lot. $72,500 Financing Available kitchen island, ceramic backsplashes, oversize 2 car garage, much more! $99,900

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

L i f e and H o m e s

Near New

Newer 3 Bedroom 2 Bath Ranch, Central Air, Open Floor Plan. Owner Anxious. $59,900 $54,900

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New Listing

March

U ED

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

$109,900

The best starter home in the area or for down -sizing.This one is ready to go. Updated kitchen, bath, windows, ext. Doors, fresh paint, fenced yard, fireplace and hardwood floors.

Average Home

Days On Market: Westernville

$124,900

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

Remsen

$93,000

5 11725 State Rt 36am . 2 Bdrm, 1 Outdoorsman drerious views of ba ranch with glo Hinckley Lake.

Utica

$89,900

www.GetP ackingCN

Y.com

Deerfield $134,900

123 Branch Street cape with an Absolutely adorablemake a country interior that would ol! living magazine dro

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

Central New York

3 0 Days

1446 Fincke Ave Welcome home to this wo bright remodeled 3bd ran nderfully light & ch. Great floor plan & loads of updates.

New Hartford $244 ,900

New Hartf ord $ 159,90 0

14 Cas cade Dr Welcom ive 1.5Ba r e home to th borhoodanch situate is spacious d 3 on a be autiful,inpa wonderfubld neighrivate lo t.

Sauquoit

$299,900

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

Jorda n Guy Operations

FAITH PROPERTIES

The Jay Groah Team

â&#x2013;

L i f e and H o m e s

Our DOM :

Licensed Real Estate Sales Agents

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

Jay

Listing Co ordinator

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

Bra ndon ialist Bu yer Spec

Kathy White

Top Selling Realtor has moved!

Contact Kathy White at Email: Kathy@centralnewyork.com Phone: (315) 723-7741

www.Life and Homes .com

L i f e and H o m e s

FAITH PROPERTIES

â&#x2013;

Kathyâ&#x20AC;&#x2122;s knowledge, integrity and hard work is sure to make your real estate experience, whether as a Seller or a Buyer, a very successful and enjoyable one.

March

Coldwell Banker Faith Properties is proud to welcome Kathy White into our office.

SCAMPONE REAL ESTATE 797-7100

South East Utica

$399,000

Unique English Tudor situated on a private wooded setting. 2760 sq ft of classic style & outstanding craftsmanship. 4 bdrm, 2 full baths, 2 half baths. Updated kitchen & baths, featuring mosaic tiles & stainless appliances. Open LR/DR, great FR w/ FP & beamed ceiling & wet bar. Mstr suite has gas FP. Avanti sound system throughout. Too many amenities to mention. MLS #911363

D TE IVA OT

R LE

SEL

New Hartford Condo $235,000

Spacious 4 bdrm, 2 1/2 bath condo. Flr master suite. Loft area overlooking ﬁreplaced family rm. Steps away from the golf course and only minutes from shopping 1st. ‘City close yet country quiet’ in this upscale neighborhood.

N IO CT RU ST N CO

MLS #1000563

Frankfort

$164,900

$115,000

Central New York

Fully equipped turn key tavern currently operating as Salutes, formerly Lasseks Tavern. Completely renovated w/ 2 yr old 20x20 addition, open air kitchen, cathedral ceilings, knotty pine interior w/ skylites. Just needs a new owner.

L i f e and H o m e s

■

MLS #1003199

Sprawling, renovated 4 bdrm, 3 bath ranch. 3 Fireplaces, hrdwds, new windows, roof, kit & bath. Formal LR w/ FP, FR w/ FP, Formal DR. Mstr bath. Main ﬂr laundry, ﬁnished room in basement w/ 3rd FP. Sliders from FR to new deck. Large yard. Most sought after location! MLS #1100018

New Hartford

Whitesboro

$224,900

Just move in to this immaculate home! Newer windows, roof & siding. New landscaping, new doors, gleaming hrdwds, freshly painted. Possible building lot to the right of property. MLS #1003562

South East Utica

North Utica

$139,500

MLS #1003525

$92,500

West Utica

$39,000

Commercial building once housed alarm co on 1st flr. 2nd & 3rd floor apts need some work. This listing includes 1027 Columbia St & 604 Saratoga St., 1 Fam w/3bdr 1 bth. Property being sold as is. Lot size, age & sq ftg info as per assessors office. See broker for survey of all properties included. MLS #1100376 & 1100377

scamponerealestate.com

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

$87,500

Totally renovated 5 bedroom, 2 full bath home. First ﬂoor laundry, new vinyl windows, GFA furnace. Ready for a new owner. Shows well. Additional adjacent lot included 39x102. New plumbing and wiring. MLS #1004051

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

124,900

Warm sunprch, bright, lrg fr w/frplc, dry bar & built-ins, frml dr, new fully apl kit w/crmc tile. New 1/2 bth, furnace, hwh, ‘enhanced’ hrdwds thruout. Leo kline updted full bth w/transfrbl wrnty. New 2tier deck. House sits on 3 lots, fenced, backs to woods for privacy. New lndscpng. Nice property!

MLS #1100264

L IA RC ME OM

$219,000

Newly constructed 3 bdrm, 2 bath ranch in the Whitetail Meadows development. Gorgeous brick oven kitchen w/ maple cabinets, LR, DR, breezeway. Completed w/ lawn, driveway, walkway. Turn key! MLS #1100112

You’ll appreciate the care that went into this neat & tidy home. Currently a 2 bdr w/dr, was a 3 bdr. Very open & updated & sparkling clean. A delightful home you can move into and enjoy from the very ﬁrst minute!

MLS #1100244

$239,900

Popular area. Completely Remodeled, C/A., Modiﬁed ranch with beautiful layout & abundant principal rms on main level. Over 2700 sq ft, 4 bdrm, 1 1/2 bths, 1700 sq ft in-law apt on lower level, sep entrc. Amenities galore, massive rooms, formal dining, beautiful yard, inground pool & so much more! MLS #200800287

South East Utica

Four bedroom colonial on dead end street. TLC plus a few minor repairs is all that is needed here. Hardwood ﬂoors. Covered front porch. Nice yard. Excellent potential! East Utica - Commercial $139,900

South East Utica

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

This 3 Bedroom, 2 Bath ranch has the best of both worlds.; country living, yet just one mile from the Parkway. Many recent updates from the kitchen to the family room. Giant bonus room could be used as 4th bedroom. Frankfort schools. MLS #1003816

New Hartford

$240,000

D TE IVA OT

SEL

Open Market Listing Service™ Rome

LifeandHomes.com Utica

$105,000

7811 Turin Road

$24,900 1120 Schuyler - Multi Family

4 Bedrooms / 2.5 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #51466

For more details visit www.LifeandHomes.com Type in Quick Search #41646

RE/Max All Pro

Broker/Owner • proabone@cnymail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

NeuDot Realty

TEXt:

Tony Abone • 315-339-2222

Dorothy Neumann • 315-527-3542 Broker/Owner • neu.dot@gmail.com

1120 508-315-9967

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

$69,900

719 West Liberty

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

3 Bedrooms / 1.5 Baths

6 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41876

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

RE/Max All Pro

Tony Abone • 315-339-2222 Broker/Owner • proabone@cnymail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Sherrill

Oneida County - FSBO

TEXt:

Rick Andrew • 315-534-0555

Holland 508-315-9967

FSBO • rickjandrew@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

$169,900

1007 Parkway East

3 Bedrooms / 1.5 Baths

4 Bedrooms / 3.5 Baths

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

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

Hunt Real Estate ERA

A.Fumarola /Joyce Realty

Sue Rosendale • 315-374-7451

Lori Dinardo-Emmerich • 315-732-3456

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

Lic. R. E. Salesperson • Dinardolori@yahoo.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Stittville

Licensed Mortgage Banker NYS Banking Dept

Utica

$133,000

$99,900

9020 Mill Street

433 Briarcliff Avenue

2 Homes on one parcel

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #51470

For more details visit www.LifeandHomes.com Type in Quick Search #51456

Century 21 Gentry Realty

Century 21 - A Yankee Trader

Elizabeth Miller • 315-796-3910

Richard Nikodem • 315-732-3113

Broker/Owner • liz.miller@century21.com

Lic. R. E. Salesperson • RNIKODEM@ROADRUNNER.COM

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

Licensed Mortgage Banker NYS Banking Dept

Utica

$119,750

$92,500

29-35 Devereaux Street

1821 Lansing Street

Bank with Drive-thru

2 Bedrooms / 1.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #57539

National M&D Dailey Realty

Scampone Realty

Maria E. Dailey • 315-336-0433

Carol Scampone • 315-797-7100

Broker/Owner • dailey.realty@gmail.com

Lic. R. E. Broker • ginascampone@yahoo.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Secure Home Inspections

www.SweetSatisfactions.com

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

PH: 315 859 1778

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

www.Securehomeinspections.com

Be Sure With Secure

Dominick M Tofolo Jr. Cell: 315 542 4622

We can help you • Sell your house fast • Buy your own home • Stop foreclosure

Steve Ruscitto

TEXT: rescny 508-315-9967 www.Life and Homes .com

Real Estate Services 315-761-7277 23

L i f e and H o m e s

Steph & Rach

www.RealEstateServicesCNY.com

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Pre-purchase Residential Inspections Helping the perspective home buyer with a quality home inspection 40 years experience in the building industry - 12 years experience inspecting homes in New York State Lic# 16000003057 certified Inspector

Life is Delicious Stephanie - 315-941-2533 Rachel - 315-525-2994

Licensed Mortgage Banker NYS Banking Dept

March

Sweet Satisfactions

TEXT: sweet 508-315-9967

$399,000

304 W Hamilton Ave

LifeandHomes.com

Open Market Listing Service™

Vernon

$28,000 Cooper Street - Building Lot

Vernon

3 + Acre wooded lot

3 Bedrooms / 1.5 Baths

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

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

Amy La Clair • 315-790-4153

$149,900 4966 State Route 26 Rome Rd

New Nest Realty

Broker/Owner • info@newnestrealty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Vernon

Licensed Mortgage Banker NYS Banking Dept

Western

18 Front Street

$89,900

$159,900 10478 Webster Hill Road

4 Bedrooms / 2.0 Baths

5 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #57517

For more details visit www.LifeandHomes.com Type in Quick Search #57527

Sue Rosendale • 315-374-7451

Becky Smith • 315-868-3098

Hunt Real Estate ERA

Accent Brokerage, Inc.

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

Broker/Owner • rsmith@accentbrokerage.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Vernon

Licensed Mortgage Banker NYS Banking Dept

Westernville

$399,900

7660 Gifford Hill Rd

7 Bedrooms / 7.0 Baths

3 Bedrooms / 1.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #41503

Sue Rosendale • 315-374-7451

Kimberly A. Beckley • 315-334-1046

Hunt Real Estate ERA

Clemens-Beckley Real Estate

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

Broker/Owner • KABBHG@AOL.COM

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Vernon

TEXt:

4140 508-315-9967

Licensed Mortgage Banker NYS Banking Dept

Whitesboro

$289,900

10 First Street

2 Bedrooms / 2.5 Baths

3 Bedrooms / 2.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #57529

Amy La Clair • 315-790-4153

John Doti • 315-732-3456

New Nest Realty

A.Fumarola /Joyce Realty

Broker/Owner • info@newnestrealty.com

Lic. R. E. Agent • jdoti@gurbr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Whitestown

$169,000

6 Black Ave East

$139,900 6973 Rome Oriskany Road

3 Bedrooms / 1.5 Baths

3 Bedrooms / 2.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #42345

Amy La Clair • 315-790-4153

Jodie DeCosty • 315-723-8554

New Nest Realty

Coldwell Banker Prime Properties

Broker/Owner • info@newnestrealty.com

Lic RE Associate Broker • jodiedecosty@cbpp.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Central New York

Licensed Mortgage Banker NYS Banking Dept

Real Estate Law

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

■

L i f e and H o m e s

$114,900

4140 Churton Road

Vernon

Gerald J. Pasqualetti, Esq. PO Box 1030 Rome, New York 13442

TEXT:

Jerry 508-315-9967

$81,900

50 Seneca Avenue

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 .

Ph.: 315-271-3841 Fax: 315-337-6220

email: pasqualettilaw@gmail.com

Sue Rosendale

Associate Broker, GRI, CRS Designee Hunt Real Estate ERA

• Over 15 Years of Experience • Residential and Commercial Properties • Full Time Real Estate Professional My success is all because I am committed to you and your needs as a buyer/seller. I look forward to assisting you in a successful real estate experience. 340 Main Street, Oneida, NY 13421 • 315-363-5533 x 218 Cell: (315) 374-7451 Email: srosendale@huntrealestate.com

Denise Witchley Lic. Real Estate Broker/Owner

“The Key to your front door” Rome

$54,900

337-0841 office 335-6971 cell Rome

535 W. Embargo Street

7879 Thomas Street

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!

Owner built 3 bedroom, 1 full bath ranch with plenty of potential. 2 stall attached garage, full basement and large yard. Convenient location. 2 porch areas. Hardwood floors. Kitchen is nice size. Bright family room.

QSN#42443

Rome

$57,000

QSN#42088

Lee Center

key 508-315-9967

$84,900

110 Abbe Blvd

9174 Sulpher Springs Road

3 bedroom, 2 full bath doublewide is waiting for you! Master suite, fireplace, central air, centrally located, move in condition, open floor plan and a super back deck - need I say more? Call today!

Welcome home to this adorable 3 bedroom cape cod in the Town of Lee. Nice and bright floor plan. Well cared for. Super yard! One stall garage. Full basement. Call Denise at 315-335-6971 for complete listing details.

QSN#41379

TEXT:

$87,900

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

QSN#42087

Economy & Housing Market

Drive Smaller, Smarter Home-Remodeling Projects

Things may be looking up, but the economy remains sluggish. That reality, coupled with tight lending and home resale uncertainty, is driving consumers to prioritize home improvements based not just on immediate need, but also on potential appeal to future buyers. For the most part, it is best to make useful improvements that will appeal to a wide range of buyers down the road, say experts. Proceeding cautiously, homeowners are therefore thinking twice before undertaking major projects. When they do decide to remodel, they are sticking with smaller, tried-and-true improvements like adding a bathroom. Bathroom additions are a wise renovation option, according to Remodeling magazine's 20092010 Cost vs. Value Report. An added bath can be expected to recoup just less than 60 percent of its cost at resale.

L i f e and H o m e s

â&#x2013;

Central New York

Cost-effective solution Fortunately, creating a new bath need not be costly - especially in spaces that lack belowfloor drainage; that is, where a bathroom does not currently exist, such as a basement, an attic, a garage or even a bedroom closet. In these situations, many plumbers recommend installing macerating, above-floor plumbing. "With a macerating, or up-flush, toilet, there is no need to break up the floor to install drainage lines," says Al Warren, a licensed plumbing contractor for more than 30 years and owner of Warren Brothers Mechanical Contractors in Stafford Springs, Conn. Warren uses Saniflo brand macerating plumbing systems. "This technology," he continues, "makes it possible 26

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

to inexpensively install a brand new bathroom in any room in the house, including the basement." Up-flush technology isn't new, having been invented a half-century ago, but its application is growing rapidly. These systems pump waste and water from toilets and sinks upward through small-diameter piping that transfers the waste to the sewer or septic tank. Unlike sewage ejectors, up-flush systems evacuate waste immediately through this piping, rather than storing it in a holding tank. William and Jane Sprague from Annapolis, Md., wanted a bathroom in their basement family room, but they didn't want the high cost and expense of digging up the concrete floor to create drainage. In addition, space for the proposed bathroom was limited. Up flush plumbing saved the Spragues money and simplified their half-bath remodeling project. "We've had a lot of compliments" on the new bathroom, says Jane Sprague. "It's very small, but I love it. It's worked out perfect for us."

Multi-generational households Bathroom additions remain extremely popular, and with the increase in extended-family households, what could be more important to personal convenience and privacy than adding a bathroom? Recent U.S. Census data showed that a record 49 million Americans now live in multi-generational households. That rising trend will likely impact future buying needs, so

savvy homeowners are making strategic improvements now. When it comes to bath additions, Saniflo up-flush systems can help. "Time and again, clients ask me for advice and guidance to update their bathrooms without breaking the bank," says April Bettinger, owner of Nip Tuck Remodeling in Woodinville, Wash. "They are happy to have recommendations for products that will hold up well, provide a useful life and look nice at the same time," she says.

Appealing to future buyers Here are some additional tips for making the most of your bathroom-remodeling investment, whether you are creating a new space or upgrading an existing one: * Choose neutral colors that make decorating easy. * Install a pedestal sink and a recessed medicine cabinet to reduce crowding in small baths. * Install grab bars in the shower and around the tub. Position them so that small children as well as adults can easily reach them. * Choose child-friendly rounded edges for vanity tops. Learn more about low-cost above-floor bathroom systems by visiting www.saniflo.com or calling (800) 571-8191. (ARA)

There Are Still

Great Reasons To Buy A Home In spite of the economic climate that most of the country is dealing with today, there are still a lot of good reasons to buy a home. Regardless to the state of the economy, the prospect

Currently the market is saturated with houses for sale making it a buyers market. Price tags on many have decreased considerably over the last several years. If you buy now, you will likely find a great deal on the house of your dreams. If you choose to negotiate you might find you can get a better deal.

Not everyone realizes this, but you can deduct the interest that you are paying on your mortgage from your income taxes. The tax breaks that you will probably get as a homeowner usually greatly outweigh the taxes you will pay as a renter.

This is only a few of the reasons to buy a home right now if you can. Eventually the economy will stabilize again and some of these opportunities will be gone. Home ownership can be a very rewarding experience. If you can afford to realize the dream right now, then you should. By Elaine Daniel - to begin looking for Pickering homes, select a real estate agent that you feel you would be most comfortable visiting and who can help you find proper houses for sale in Pickering - visit www.corinneandmichael.com. (EzineArticles.com) www.Life and Homes .com

L i f e and H o m e s

Many times it is difficult to find rental properties. If you are looking to rent housing in some of the small towns, it can be nearly impossible to find a place. By owning your own property

Right now, there are thousands, even millions of properties to select from. This list continues to grow as banks look to eliminate properties that are in their possession due to foreclosure or because they simply did not sell.

â&#x2013;

Another, and perhaps one of the biggest benefits is that once you buy the house, it is yours. You can paint it or remodel it in any fashion that you please. If you want to remove walls and add another bathroom, you can. Any remodeling you do that increases the value of the property will benefit you. When you rent, even if the landlord will allow you to paint or do some minor remodeling, it will be of benefit to them when you move out.

you can be rest assured that you will have a permanent place to live, without the threat of being asked to move.

March

Interest rates are also historically low. As recent as 2 years ago they were at 6%. You might think that it would be beneficial to wait and see if these rates drop even lower, however by waiting you are taking the chance that they will instead rise. If this happens you will miss out on this opportunity that could be a once in a lifetime opportunity. By buying now you can enjoy the benefit of low rates and if they drop more, you can probably refinance your mortgage loan and be able to still get the lower rates.

of owning their own home is still a dream come true for many people. With the equity that you can build in your home, this is also a long term investment in your future.

Mark Canter + Weichert Realtors, Campion Weeks = SOLD Campion-Weeks Mark Canter Top Producer

Utica

$62,500

Whitesboro $79,900

New York Mills $187,000

Utica

$59,900

Whitesboro $157,500

Brantingham $249,900

MLS #1003535

MLS #1003939

MLS #1002966

MLS #1001730

MLS #1002608

Call Mark 315-794-3452

MLS #1100011

1000604, Glass Factory Rd, Marcy, 2.4 acres - 34,500 1002174, W. Dominick St, Rome, 4 units - 64,900 1100009, 1001 Parkway East, Utica - 5 BR, 3.5 Baths - 259,900

141 Genesee St., New Hartford www.campionweeks.com

Hunt for Homes, LLC Central New York

Sauquoit Schools

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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 .

23 Oxford Road New Hartford NY 13413

(315) 223-4868

Oriskany Schools

Exciting! Unique, one-of-a-kind converted barn with beautiful perennials on a private acre lot. With a 2700 sft open concept interior, the two story living room overlooks a wrap around rear deck, 1st floor master suite and two addtional bedrooms and bath. Full, walk-out basement has two additional overhead doors for incredible storage options! MLS# 1001011 Call for appt. Jean Hunt 223-4868

Jean Hunt

$177,500

This wonderful starter home is absolutely the most charming home for the price! Starting with the fireplaced living room, the updates include an oak, eat-in kitchen and bath, a 1st floor laundry room and bedroom plus an office/den. Second floor features a large bedroom. Attached garage, patio and spacious lot make this a steal for the money!!! MLS #1003808 Donâ&#x20AC;&#x2122;t wait, call Jean Hunt 223-4868 for appt.

$79,900

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

(315) 733-0463

266 RIDER RD., CEDARVILLE

8392 ROUTE 28, BARNEVELD

Magniﬁcent Contemporary, Custom Built, located on the 3rd fairway of Cedar Lake Golf Course. Home has 3 BRs, 3 Full Baths & 1 half bath. Main ﬂoor Mstr BR w/ big Mstr Bath that includes Jacuzzi & skylight. Kit is oak w/ island & wet bar overlooks LR. Chris Ossont, Assoc. Broker ext. 104

Enchanting, Unique, Tastefully Renovated Carriage House. Historic Warmth. Luxury Size w/ nearly 3500 sq/ft. 5 BRs, 3.5 Baths, 2 Car Garage & 2 Acres! Beautiful wood ﬂoors & wall accents. Spacious open LR & FR, Eat-in Kit, Formal DR, Sun Rm, Private Yard. Chris Ossont, Assoc. Broker ext. 104

$399,900

$294,900

MLS#1001742

MLS#1100258

2 ROCKPORT RD., NEW HARTFORD

7 FOREST RIDGE DR., ROME

Luxurious 2yr old upscale Condo boasts a lrg open flr plan, hdwd flrs, beautiful decor & view. 1st flr BR Suite w/ walk in closet & bath, Great Rm-high ceilings& fireplace, stainless steel kit., lrg windows, dbl gar., 3 walk-in closets, storage & deck. Joan Abend, Assoc. Broker ext. 216

To Be Constructed! Beautiful Colonial with this Bayﬁeld Floor Plan. 4 Bedrooms, 2.5 Baths, Formal Living Rm and Dining Rm, Family Rm w/ ﬁreplace, Kitchen & 2 Car Attached Garage. 2,400 sq/ft. Can be built on one of 4 lots. Call (315) 733-0463.

$274,900

$245,600

MLS#1100389

MLS#1100101

47 WOODBERRY RD., NEW HARTFORD

117 CLARION DR., WHITESBORO

Picturesque Woodberry Hills Colonial w/ 4 BRs, 2 Full Baths, 2 Half Baths. Spacious Foyer, Lrg Kit. w/ eating area, Lrg LR & FR w/ bookshelves. 2 ﬁreplaces. Mud Rm, 1st ﬂr Laundry. Fin Bsmt Rec Rm. Patio, Basketball Ct. Private rear yard backs to woods. Chris Ossont, Assoc. Broker ext. 104

Outstanding Whitesboro Colonial w/ 4 BRs, 2.5 Baths & mostly hdwds. Lrg LR, FR w/ ﬁeplace, Formal DR, Heated Sunrm, Finished Bsmt w/ Rec Rm & ofﬁce. Many updates. Double deep 255 ft yard. Professionally landscaped w/ perennials. Chris Ossont, Assoc. Broker ext. 104

$239,900

$219,900

MLS#1003402

MLS#1003489

36 WOODBERRY RD., NEW HARTFORD

22 DEERPATH DR., NEW HARTFORD

Pretty 4 BR, 2.5 Bath Woodberry Hills Colonial. Lrg LR, Formal DR, Kitchen w/ extra large eating area, Family Rm w/ ﬁreplace & bookshelves. Backs up to ravine, private yard. Covered front porch. ext. 104

New Price! Traditional 4 BR, 2.5 Bath Colonial in Higby Woodlands. Light, bright & neutral. Spacious LR, Formal DR, Nice eat-in Kitchen w/ new countertops. Fireplaced FR w/ bookshelves. Main ﬂoor laundry. New Boiler-2009. Covered porch & private yard. Chris Ossont, Assoc. Broker ext. 104

MLS#1004073

MLS#1003334

Chris Ossont, Assoc. Broker

$215,000

$199,900

259 HIGBY RD., NEW HARTFORD

34 MEADOWBROOK DR., NEW HARTFORD

Treasured Landmark! Preserved warmth & charm of yesteryear. Lg LR w/ architectural details + firepl.+ bookshelves.DR/FR w/ firepl. Sunrm. Hdwd + plank flrs. Expansion walk-in attic. Patio. Great yard & location! Chris Ossont, Assoc. Broker ext. 104

Inviting Ranch with Covered Front Porch, Living Rm w/ ﬁrepl., Dining Rm, 2 Bdrms + sm Br/Den on 1st ﬂr, 2 addtl. BRs on lower level. Lrg Family Rm. 2 Stairways. Lrg Garage. Porch. Large Covered Deck.

$179,000

$169,900

Chris Ossont, Assoc. Broker

MLS#913158

6 BEVERLY PL., S. UTICA

96 HARTFORD TERR., NEW HARTFORD

Traditional Colonial w/ Grand Entrance Hall. Beautiful Oak Kit. w/ ample cabinets. DR & Kit. combined make great space to entertain. Firepl. LR opens to Sun Porch. 3 BRs, 1.5 updated baths. Some new windows. Covered deck. Immaculate & totally redecorated. Call 315-733-0463

Pretty 2 or 3 BR, 1.5 Bath Cape in a wonderful New Hartford Village location. Lrg LR w/ hdwds & ﬁreplace. Formal DR. Newer Oak Kitchen. Large Family Rm addition leads to deck. One car attached garage. Chris Ossont, Assoc. Broker ext. 104

$159,000

$144,900

MLS#1003633

ext. 104 MLS#200900573

MLS#1004038

Enjoy a 1 BR Mstr Suite Ranch Condo located in a Historical Utica Landmark. 1.5 Baths. Upscale Contemporary & Meticulous! Move-in Condition, Completely Updated. Cen/Air. Security System. Garage. Must See! Stephen Dellerba ext. 212

Len Pugh, Assoc. Broker

ext. 203

$124,900

MLS#1003455

MLS#1003886

416 FRENCH ROAD, S. UTICA Well maintained 3 Bedroom, 1.5 Bath Cape in a great convenient South Utica location. This home features a new kitchen with stainless appliances, reﬁnished hardwood ﬂoors throughout and a new privacy fence. 1 car detached garage. Eugene Primarolo ext. 128

$109,000

www.prudentialcarucci.com

MLS#1100145

www.Life and Homes .com

L i f e and H o m e s

$124,900

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10 FOERY DR. #106, S. UTICA

Excellent 3 BR Ranch in a very good location. Replacement windows throughout. New Kitchen. A beautiful home on a nice lot 115 x 181.

March

8169 CIDER STREET, ORISKANY

#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!

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Central New York

FAITH PROPERTIES

735-2222

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

Sandra Walser

Cindy Lazzaro

Audrey Johnson

JC Pantola

Barb Roberts

Jenny Carabin

Ben Tringo

Susan Martorell

Bitsy Maye-Rattler Bozena Sroczyk

John Brown

Patti Palumbo

Cindy Major

Judy Hinman

CliďŹ&#x20AC; Ganey

Keith Schuderer

Deborah Hapanowicz

Bert McCumber

Derby Family

Kelli Inserra

Diane Lockwood

Linda Peters

Lori Hamlin

Henri Abiyaghi

Lori Scalise

Ismail Yildirim

Jay Groah

Marcia Archibald Pauline Nicoterra

Michelle Thompson Veronica Coe

Rick Rodio

Kathy White

Rosemarie Costello Brandon Borowiec

March â&#x2013;

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735-8515

Campion-Weeks New Hartford

$349,000

Fabulous, custom 4 bd, 3.5 bath home. Approx 3,000 s/f, ﬁnished basement, FR,DR, loft, great kit, att double gar, inground pool. MLS#1004000 www.Campionweeks.com 735-8515

New Hartford

$149,900

Easy to maintain 3 BD, 2.5 bath townhouse. FR, freshly painted, all appliances. Garage. Possible owner ﬁnancing. MLS#1003538 www.Campionweeks.com 735-8515

Whitestown

$169,900

Spacious, 2700 s/f 3 bedroom ranch. 2.2 acres, 1.5 baths, bonus rms. FR, DR, 3 stall 25x50 garage. MLS#1002202 www.Campionweeks.com

Central New York

Whitesboro

735-8515

$112,900

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

Sauquoit

$214,900

Well appointed 4 BR, 2.5 bath colonial. Applianced kitchen, DR, FR, HW ﬂoors, 2 car garage. MLS#1002191 www.Campionweeks.com 735-8515

Rome

$148,500

Sam Vedete

Vera Sadallah

Adeline Griffiths

Alice Donnelly

Anne Cesare

Anne Hameline

Anthony Desarro

Brett Lojewski

$259,000

Great contemporary w/ 3bds, 2 baths, FR, DR, Plus 2 bd, 2 bath separate in-law or income apt. 3 car garage. MLS#1003696 www.Campionweeks.com 735-8515

Whitesboro

$189,900

MLS#1003582 www.Campionweeks.com

MLS#1003792 www.Campionweeks.com

MLS#1003879 www.Campionweeks.com

Barneveld

735-8515

$149,900

Wonderful 4 BD, 2 bath raised ranch in cul-de-sac. Many updates including kitchen & baths. New roof, generous backyard. 2 car garage. MLS#1002209 www.Campionweeks.com 735-8515

North Utica

$89,900

MLS#1100301 www.Campionweeks.com

New York Mills

735-8515

$119,900

Immaculate, 1 owner 3 BD ranch. Sunroom, att garage. New carpets, HW ﬂoors, full basement. Freshly painted interior.

MLS#1003060 www.Campionweeks.com

735-8515

Yorkville

735-8515

$187,000

Fabulous 1900 s/f ranch with patio overlooking golf course. 3 BDs, 3 baths, FR, DR, attached garage. MLS#1002966 www.Campionweeks.com 735-8515

Clark Mills

$114,900

Rare ﬁnd! Immaculate duplex w/ 3BDs on each side. Freshly painted, double lot. Updated. Garage. sm barn. Clinton schools. MLS#1100450 www.Campionweeks.com 735-8515

North Utica

$79,900

Attractive 2 BD cape with expension attic. Updated kitchen, central air, new roof. Garage, private yard. MLS#1003885 www.Campionweeks.com 735-8515

North Utica

735-8515

$89,900

Updated 3 BD colonial. Modern kitchen, DR, 1.5 baths. Fenced yard. Garage. MLS#1002426 www.Campionweeks.com

West Utica

Dave Malozzi

Kim Johnson

Linda Cavalier

Linda Kuzniar

Luis Montero

Marilyn Valvo

$149,900

Charming center hall colonial. 4 BDs, DR, FR, appliances. Full bath + 2 half baths. Insulated windows, sunporch. MLS#1003356 www.Campionweeks.com 735-8515

South Utica

Carla Dochterman Chris Shephard

MaryBeth Roberts Michael Grassi

735-8515

$67,900

Pat LoGuidice

Paul Durrigan

Rosemary Nicotera

Ruth Fanelli

Sabrina Arcuri

Tom Conte

Tom Mazzotta

Wade Evans

Jerry Orsaeo

Jonathan Smoulcey

Well maintained 3 bedroom, 1.5 bath home. Lge kitchen, DR, Home warranty. MLS#1002035 www.Campionweeks.com

735-8515

L i f e and H o m e s

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Ideal 2 story ofﬁce building w/ apt upstairs. Parking, full basement & attic. Genesee St location. MLS#1003015 www.Campionweeks.com 735-8515

$149,900

Caroline Marino

Immaculate 4/5 BD split w/ FR, DR, 2 full baths, double garage. Newer roof, siding, carpet.

MLS#1100262 www.Campionweeks.com

$129,000

South Utica

Deerfield

Susan Alberico

Totally remodeled raised ranch w/ 4 Bds, FR, new baths, attached garage. Hardwood ﬂoors.

Immaculate 3 BD cape with master BD on 2nd ﬂoor. Open ﬂoor plan. Woodstove, vinyl siding.

South Utica

$269,900

Exceptional, 5 yr old 4 bedroom, 2.5 bath colonial. Stunning kitchen, DR, FR, ofﬁce. Large deck, double garage. MLS#1003256 www.Campionweeks.com 735-8515

Mark Canter

Wonderful, spacious 3 BD, 2 bath brick ranch. Updates, FR, attached garage.

Wonderful 3 BD ranch totally updated. Gorgeous kitchen, attached garage. Vinyl siding. 735-8515

Whitesboro

Azza Giorgi

Rome

$59,500

Neat & clean 2 family w/ 3 BDs down, 2 BDs up. Separate utilities, vinyl siding. Double lot. MLS#1002665 www.Campionweeks.com

735-8515

Ilion

$62,400

Utica

$61,900

Yorkville

735-8515

Why pay rent? Very well maintained 3 BD home. DR, garage. New roof & some windows. Whitesboro schools. MLS#1100382 www.Campionweeks.com 735-8515

Vinyl sided 3 unit bldg. New furnace, some new windows.

5 Unit apt house. Two 2 BD apts, three 1 BD apts. Fully occupied, bldg mgr on site. Vinyl siding.

MLS#1003080 www.Campionweeks.com

MLS#1100335 www.Campionweeks.com

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

735-8515

$59,900

Tom Koehler Real Estate Mini Country Estate /

Brand New Modular Ranch

315-891-3254

Brand New Modular Colonial

Land Steal - 50% off!

Building Lots Investment Property

$389,900

Herkimer County - Modern 2 story house features 2 great rooms, master bedroom suite, luxury bath w/ jacuzzi, plus 4 car heated garage plus a hot tub plus a camp cabin, plus 10 Large building lots, plus a stocked ﬁsh pond. Snowmobile & ATV trails. All this at a bargain basement price of $389,900. Herkimer County, NY 315-891-3254.

Any Location

$57,995

New York Upstate, Brand New Modular Ranch - 3 bedrooms, 2 baths. Delivered and set on your foundation. Free appliance package included. $57,995. Any location. Interested call 315-891-3254.

Any Location

$93,895

New York Upstate, Brand New Modular Colonial. 3 bedrooms, 2½ baths. 1900 s/f. Delivered and set on your foundation. Free SS appliance package included. $93,895 Any Location. Interested call 315-891-3254.

$14,900

Land Steal 50% off. Herkimer County - all remaining building lots to be sold at half price! From 5 acres to 40 acres. Prices from $14,900, Special onsite ﬁnancing available. THIS IS THE BEST DEAL AROUND! Private family community for fun and investment. 35 Exceptional homesites set on 235 acres. Riding trails, stocked ﬁsh ponds, sunset views. Direct snowmobile & ATV trails. Out your door to Ridge Runners Clubhouse. Interested call 315-891-3254.

New Homes Modular Co. “The Best Homes at the Best Prices”

315-891-3254

340 Main Street Oneida, NY 13421

HUNT Real Estate Corp. invites you to celebrate our 100th year in business - Proudly assisting thousands of families with all of their real estate & homeownership needs.

315-363-5533 Ryan Kirch

Licensed R.E. Salesperson Hunt Real Estate ERA

Cell: 315-264-4198 Office: 315-363-5533 Email: ryan.kirch@huntrealestate.com

North Bay

$449,000

Rome

Annsville

$269,900

Camden

Modern and well maintained marina offering one 4 bedroom 2 bath cabin, two 3 bedroom 1.5 Bath cabins , and a studio apartment . $3,725 potential per week every summer + store & marina!

$114,300

Camden

$137,500

20,000

Florence

$24,900

This spacious ranch oﬀers a large cherry eat in kitchen and formal dining room, open to a spacious living room with a wood burning fireplace.

Charming 2 story on five acres! Offers 3 spacious second floor bedrooms, and a 10x12 bedroom/ den or office on the first floor. A large eat in center island kitchen w/ breakfast nook.

March ■

$159,000

Contemporary style home in a very desirable neighborhood, oﬀering 3 bedrooms and 2.5 Baths, an attached 2 car garage, partially finished walkout basement, and front porch.

Camden

$199,900

This three bedroom, 2 bath ranch home is move in ready, offers a family friendly layout, large rooms, an eat in kitchen with a breakfast bar, a finished basement with a dance floor!

This 4 bedroom 2 bath home has a lot of extras to offer, with 10 private ares, 650 ft of waterfront on Florence Creek, tree house with electrical service, and an in-ground pool, with deck and patio.

This corner building lot is located in a quiet neighborhood, close to parks, shopping, library and schools. Located on a designated snowmobile trail.

Beautiful land in Florence with a scenic view including Wick Wire Hill in the skyline. Located minutes to snowmobile trails and state land! This property has a 57’drilled well.

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L i f e and H o m e s

Camden

MVLS#41784

Kinship Properties Two Locations to Serve You! St. Johnsville, N.Y. 518-568-2776 315-429-9750 NEW! Dolgeville, N.Y. www.KinshipProperties.com

FEATURED PROPERTY

St. Johnsville

Ephratah

$285,000

St. Johnsville

$230,000

Dolgeville

$135,000

St. Johnsville

$69,000

Single24x60 mobile home built into a stick double wide home with enclosed porch on front and back. Commercial 40x100, metal building with 4000 sq ft of retail space. Call Debbie Sicilia 518-495-5770

Victorian style country farmhouse with 4 bedrooms, salon, front porch, walk up attic with scenic pond and a nice backyard. It has a 40x40 fabricated welding and heavy equipment shop with built up clients as well as a well established salon service in the home. Call Debbie Sicilia 518-495-5770

$40,000

A nice single family home, on a dead end street. This home has 3 bedrooms, a large bathroom with a jacuzzi tub, walk in closet or oﬃce, large living room and a eat in kitchen. I also has a large yard and concrete driveway. Would make a great starter home, priced to sell at $45,000. Taxes estimated! Call Bob Snell 518-321-9897

Beautiful 3 bedroom remodeled home located within walking distance to Dolgeville School. This home comes with a fully insulated and heated oversized garage measuring 28x32 with automatic garage opener. Call Heidi Mouyos 315-717-7269

The sellers have started the remodeling process! This 3 or 4 bedroom home, in a nice residential neighborhood, has been gutted to the studs, with a new electrical entrance, wiring and some drywall installed. Finish the remodeling to suit your taste! Call Bob Snell 518-321-9897

From our family to yours we wish you a Merry Christmas andLicensed HappyRENew Year. Brokers & Appraisers

Robert B. Dellecese & Joann Longo Realty

315-733-5394

L i f e and H o m e s

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Central New York

New Location 3985 Oneida St, New Hartford, NY 13413

Utica

$49,900

4 Bedroom Apt: $600 Rent; 2 Bedroom Apt: $400 Rent; 1 Bedroom Apt: $350 Rent This 3 unit property is a great investment with a 7 room flat on the 2nd floor, 2 br apt and a 1 br. All utilities are separate. It has 2 new oil furnaces in 2008. There is room to park 10 cars! LOOKING FOR OFFERS! MLS # 1000242

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 .

Utica

$29,900 & $49,900

Above can be purchased as a package with 120 Elmwood. Needs some TLC Great investment- 3 unit apartment building. 3 Stoves & refrigerators. Laundry available in each apartment. Quiet neighborhood, close to schools. MLS # 912418 (pictured) $49,900 2 Units - Some remodeling has been done. All new fixtures, newer kitchen, hardwood floors, some carpet. Great house for 1st time buyers! MLS # 912396 $29,900

Utica

$124,900

This spectacular colonial home is waiting for a family to move in. Oﬀering 5 bedrooms, 3 full baths and 1/2 bath. 3 Fireplaces. Gleaming hardwoods thruout. Possible in law apt. Furnace is 5 years old. 2 Chandeliers in l/r & d/r are negotiable. Owner looking for reasonable oﬀers. MLS # 1000245

mortgageCorner

What is a Discount Point & How Will It Affect My Mortgage Rate? When it comes to getting a low interest rate for a mortgage loan, the best way to get the lowest rate is to buy down the rate. The buying of discount points to lower the rate can save you money over the long term of the loan, but it is important to know whether a discount point will help you save money. What Is a Discount Point? First, discount point or a buy down is the term referring to the cost of reducing the interest rate. Usually a discount point is a percentage of the loan amount. One discount point refers to one percent of the loan amount. For example, if you are applying for a $200,000 home loan, then one discount point would cost $2,000. A discount point can reduce your rate on average by .125% to .375%. The cost of reducing the loan rate can change from day to day when mortgage rates are updated.

month is a savings for you. So as long as you keep the mortgage past the breakeven point, then it is a good idea to purchase a discount point. Another reason to add a discount point is when the seller is paying for your closing cost. This is a way to get a lower home loan rate and not have to pay for the charge yourself. With today’s market, several sellers are paying for buyers closing cost. Of course, there are limits to what the seller can pay.

Premium Pricing A discount point helps lower the rate, but a few people would rather take premium pricing and

For more information on discount points or premium pricing, contact a mortgage advisor. David White is a Sr. Mortgage Consultant who specializes in home loans (www.txhomeloanteam.com). He has over 12 years experience and he helps his clients with their Dallas home loans - www.txhomeloanteam.com/dallashomeloans. (Source: uberarticles.com)

100% Purchase Money Loans NO Downpayment • NO Monthly PMI

So, when should you consider adding a discount point to your mortgage? The best way to figure out the advantages of discount points is to consider how much the cost will be and what the savings will be over the lifetime of the loan. Each point you pay will reduce your loan rate and also lower your monthly house payment, but each point will also increase your closing cost.

Call for Details

Licensed Mortgage Banker • NYS Banking Department

LoWEST

Rates in the Area!

10 Main Street • Suite 200 2nd Floor Whitesboro, NY HomesteadFinancial.net

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L i f e and H o m e s

TEXt: Hearty 508-315-9967

315-404-5253 Mortgage Originator

■

Adam Hearty

March

Financial Services, Inc.

The Break Even Point The breakeven point is when the cost of the discount point and the monthly savings evens out. For example, if you pay $2000 in points to reduce your rate and save an extra $50 per month, it would take 40 months to recover the cost of the discount point. Any payment beyond the 40th

reduce closing cost. Premium pricing will reduce the closing cost by a percent of the mortgage and by doing so, raise the rate of the mortgage. Again, it is important to know where the breakeven point is. For premium pricing, the idea is to keep the loan only for a short period and have the loan refinanced or paid off before the breakeven point.

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LifeandHomes

Rentals

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

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

Sylvan Beach

TEXT: DaN 508-315-9967

Call Dan 269-7034

Rent To Own

1314 Vienna Rd 2 Bedrooms / 1.0 Baths - Seller Financing For more details visit www.LifeandHomes.com Type in Quick Search #32684

TEXt: 1314 508-315-9967

Oneida County Real Estate Investors

2 Apartments for RENT

Steve Ruscitto • 315-762-4488

Myers Management

Investor • steve@cnyres-q.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Sylvan Beach

525-6291

Rent To Own

503 16th Ave

1 bedroom -

2 Bedroom -

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

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

3 Bedrooms / 1.0 Baths - Seller Financing For more details visit www.LifeandHomes.com Type in Quick Search #32685

TEXt: 503 508-315-9967

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

Low Mortgage Rates • Homestead Financial 315-768-1980

TEXt: Tony 508-315-9967

Licensed Mortgage Banker NYS Banking Dept

March ■

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exclusive Members That Have Shown exceptional Customer Service

The Missing Pieces to a Hassle-Free Home Heating

Builders ADIRONDACK BUILDERS 315-942-4949 Log Homes, Basements, Custom kitchens, Member Since 08/09

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Laura Minard

4957 Commercial Drive Yorkville NY

768.1680 Ext. 205 525-1974 Cell

Colonial Square Nearly Complete!

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

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Symphony Place Whitesboro. Remodeling is complete; builder’s personal home is now ready to show. This amazing custom built home offers only the best quality construction & features. Brick/stone/stucco exterior has over 3200 sq feet of upscale living space. 4 Bedrooms 2.5 baths 3 car garage, new kitchen with Granite and stainless appliances, New master bath radiant ﬂoor heat, whirlpool tub & title shower, new top of the line carpet in hall & Bedrooms. Hardwood ﬂoors study, formal dinning, Kitchen, all this and a Large Private lot on the end of a cul-de-sac. Come take a look I’m sure you will be impressed.

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

Serving the Mohawk Valley Since 1976

732-3113 2617 Genesee Street

Utica, NY 13501 www.century21.com

2028 Tilden Ave • New Hartford • $499,000

825 Albro Rd • Hamilton • $189,500

220 W Main St • Frankfort • $138,500 Gracious updated village home, front porch for rocking chairs, 3 bedrooms, large brick fireplace, kitchen with morning room, deep yard with deck overlooking inground pool & conservation area. MLS: 1100055

9077 Cemetery Rd • Steuben • $102,900

Well maintained 10 year old manufactured home with 1848 square feet, big master with soaker tub, 2 car heated garage, storage shed, Holland Patent Schools and quiet country setting with views! MLS: 1100035

Broker/Owner

1257 Mummery St • E. Utica • $73,500

Cape style home with 3 bedrooms, den , freshly painted interior, newer furnace & entry doors. Sun room overlooks deep rear yard, storage shed on quiet street in an area of nice homes! MLS: 1100362

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Beautiful 2 story home, new addition makes 3154 square feet. 4 bedrooms, 2 baths, sunroom, hardwoods under carpets, attached garage, barn and on 3 acres (25 more available) private rural setting! MLS: 200801201

Art VanVechten

March

Gorgeous Colonial boasts 5 bedrooms, 2 ½ baths, top of the line cherry kitchen with stone cultured counters, family room has gas fireplace, master bath with hot tub & 3 car garage 178x400 lot. MLS: 1100300

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

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MLS: 200702688 - 2002 Mulholland Rd, MLS: 1002415 - 521 Doe Rd, MlS: 1003179 - 433 Briarcliﬀ Ave, MLS: 200702937 - Ives Road MLS: 1003611 - Doyle Road, Vienna $349,999 North Utica $99,900 Bridgewater $189,500 Marcy $25,000 Deerfield $30,000 MLS: 1000722 - 5645 Ottman Road, MLS: 1003126 - Doyle Road, MLS:1100346 - 1680 Seymour Ave, MLS: 1000366 - 6761 Crooked Brook Rd, MLS: 1001246 - 613 N Madison St Vernon $155,000 Brookfield $19,500 E. Utica $45,900 Deerfield $289,900 Rome $120,000 MLS: 1002673 - 1315 Oswego Street, MLS: 1003692 - McGraw Road, MLS: 200701540 - Paris Road, MLS: 1002567 - 3300 Rt 20&46 MLS: 1003494 - 9614 Morgan Road, West Utica $44,900 Schuyler $160,000 Bouckville $167,500 New Hartford $79,900 Clayville $108,900

Central New York â&#x2013;

L i f e and H o m e s

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