Life and Homes Central New York by Stephen Lisi

Central NY

Life and

Homes

Free April

2011

Find Your Perfect Home Local Listings

7 Easy Garage

Organization

Tips

Spring Savings Ideas

Complete Real Estate Listing Directory @ LifeandHomes.com

Welcome!

Life and

Homes

One of my favorite parts of this job is meeting the people who live and work here in Central NY. I honestly think you’d be hard-pressed to find a more diverse, resilient group of people. As a whole, they give back to the local community, promote family values and take pride in a job well done. It’s these folks who keep Central NY moving forward.

Oneida County NY, Edition

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

LifeandHomes™ has always upheld the goal of encouraging positive growth in the local community through our innovative real estate marketing and support. We enjoy working with Realtors®, For Sale By Owners, investors, builders and community members to promote community and boost the local economy. We make it our job to connect David P. Lisi, RMC buyers and sellers, professionals and the public - which in turn benefits Real Estate Marketing Consultant LifeandHomes™ readers as well as our local area. Additionally, we offer 315-865-5845 • David@dslisi.com relevant articles, real estate listings, broker advertisements, industry related directories, online website at www.lifeandhomes.com, and lifestyle advertisers who want to serve you and assist with your real estate related needs. We’re happy for the opportunity to showcase the area we so proudly call home! Look for LifeandHomes™ at many of our fine restaurants, grocery stores, medical offices, family businesses and other retailers. Please share our magazine with your friends and encourage them to go online at www.LifeandHomes.com to view additional real estate listings, read articles of interest to home buyers/sellers, and even listen to our own online radio station which plays contemporary music. Look inside and online at www.LifeandHomes.com for some remarkable deals on properties and professional services. Support local business, get involved and look for ways to make a positive difference. Welcome to LifeandHomes™ and thank you for your patronage.

i David P. Lis

LifeandHomes

Corporate Editor Kim L isi

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Central New York

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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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This information has been compiled from public records and other sources we believe to be reliable, but we make no guarantee with respect to its accuracy or completeness or the absence of restrictions on use and are not responsible for any liability, loss, or risk that subscribers may incur, directly or indirectly, from using the contents of this site. Copyright © 2011 Lisi Merchant Solutions, Inc.

Tips On Making A Do-It-Yourself Move

For a growing number of families, relocating has become a “moving experience.”That’s because whether they’re going across town or across the country, they’re choosing to move themselves. For some, it’s a way to have more control over the process. For others, it can add up to significant savings.To help you take part in this trend, here are some tips from the professionals at an industry-leading company—Penske. • Rent from experts. Renting trucks from knowledgeable professionals can help ensure that your move is smooth and easy. “Moving is one of life’s most stressful moments,” said Don Mikes, vice president of truck rental for Penske. “Our goal is to help guide people through their journey.” • Select smart. A 12 or 16-foot truck can be a very versatile size—excellent for moving everything from a few large items or the contents of a small condo or apartment. • Reserve early. Book your rental truck at least two weeks in advance. • Pack wisely. Load your heaviest items first. Avoid injury by always bending your knees and lifting with your legs. • The right accessories can make a difference. Boxes, bubble wrap, moving blankets and hand trucks are essential to protect your items and make your move more enjoyable.

• Get oriented. Ask the truck rental associate to walk you through the vehicle’s features. It should be a clean and well-maintained vehicle. • Drive green. Use a truck rental company affiliated with EPA’s SmartWay program. A little preparation goes a long way to ensure an easier and safe move. More free moving tips are available at www.PenskeTruckRental.com. (NAPSI)

Make Your Lawn

Something to Share

A lawn is an extension of our living space, a place we can enjoy outdoor activities with family and friends. When pests invade our yards and threaten our comfort and safety, it’s important to take action to control insects and weeds by choosing and using lawn and garden products carefully. Follow these simple instructions for a PEST (plan, execute, stay aware and treat products with care) plan of action for caring for your lawn: Plan - Before taking action on any lawn care project, research potential problems carefully. Execute - Once a plan is in place, proper action can be taken. Remember, however, that lawn care products are not effective unless they are used properly. Stay aware - After the application of pesticides and other pest-management tools, keep track of lawn conditions. Lawns require care beyond the use of pesticides, so it remains important that grass is kept trimmed and watered.

For more information on properly choosing and using pesticides and fertilizers, visit debugthemyths.com or www.pestfacts.org. (ARA)

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Treat products with care - Store all pesticides according to label directions, away from children and pets. Handling pesticide products responsibly protects both lawn and homeowner.

Fast-Free and a

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• Think safety first. Rental trucks are taller, wider, heavier and require more stopping distance than cars. Pick up your truck early. Practice driving. Take precautions when the truck is loaded. Beware of low-hanging branches and overhangs when cornering. Park in well-lit areas and padlock the rear door. Penske Truck Rental has 24/7

emergency roadside assistance and optional protection plans.

April

• Mark it up. Label as you pack. It makes it easier to put the boxes in the right room when unloading.

newsShorts

Avoid Foreclosure

Rescue Scams

6. “Your lender never had the legal authority to make a loan.” Don’t listen to anyone who claims “secret laws” can erase your debt.

• Clean out, throw out: Take time to go through expenses that aren’t really necessary or useful anymore. Consider cutting them and saving that money or applying it toward paying down another debt.

Following a few suggestions can help save many homeowners struggling with mortgages and other debt from seeing things go from bad to worse.

7. “Just sign this now; we’ll fill in the blanks later.” Read and understand everything you sign. Never let anyone else fill out paperwork for you. Don’t let anyone pressure you into signing anything.

• Get organized: Explore how you can simplify your finances by making savings and payments automatic, switching to online statements, and consolidating accounts if appropriate.

You can get free assistance from a housing counselor approved by the U.S. Department of Housing and Urban Development at (888) 9954673 and makinghomeaffordable.gov.

8. “Call (800) Fed-Loan.” Beware of companies that imitate official federal programs. Providers must tell you they are affiliated with the government.

• Check your credit health: Consumers should check their credit once every three months. If you haven't checked your credit report and score lately, obtain yours today at TransUnion.com.

As for people or companies offering mortgage modification assistance or foreclosure relief, Federal Trade Commission rules ban advance fees, require clear disclosures and prohibit false or misleading claims. Experts at the Office of the Comptroller of the Currency suggest you beware of these 10 lines: 1. “Pay us $1,000 and we’ll save your home.” Companies cannot collect fees until you have a written, acceptable offer from your lender and a written description of the key changes to your mortgage. 2. “I guarantee I will save your home—trust me.” Beware of guarantees like this one. Providers must give you realistic evidence for any claim they make.

Central New York

3. “Sign over your home and we’ll let you stay in it.” Signing over the deed gives the recipient the power to evict you, raise your rent or sell your house—and you’ll still have to pay the mortgage.

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4. “Stop paying your mortgage.” Don’t trust anyone who tells you to stop making mortgage payments to your lender or servicer, even if that person promises to do it for you. You could lose your home and hurt your credit rating. 5. “If your lender calls, don’t talk to them.” Providers cannot tell you to stop communicating with your lender or servicer. 4

newsShorts

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 .

9. “File for bankruptcy and keep your home.” Filing for bankruptcy stops foreclosure only temporarily. If you don’t make your mortgage payments, the bankruptcy court will eventually let the lender foreclose. Some scam artists may file bankruptcy in your name, without your knowledge, to temporarily stop foreclosure and give you the impression that he or she has negotiated a new agreement on your behalf.

• Plan today for tomorrow: Make sure to save for the unexpected and future goals. Also, if there is a large purchase on the horizon, save now and pay more upfront later - helping you avoid charging the purchase to a credit card and accruing more interest. (ARA)

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10. “Why haven’t you replied to our offer? Do you want to live on the streets?” High-pressure tactics signal trouble.

Entertaining

You can learn more at helpwithmybank.gov, makinghomeaffordable.gov, consumerfinance.gov, consumeraction.gov and nw.org. (NAPSI)

about Life and Home

Spring Clean Your Finances Spring’s arrival might mean cleaning out the basement, attic, and garage. But while you’re making a clean sweep, you might also want to consider other areas of your life that could use tidying up. National credit bureau TransUnion recommends using the spring cleaning impulse to see what areas of your finances you can clean up and provides the following tips:

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• Tips and Services • Home Video Tours • Home Improvements • Interesting Family Life • Interviews Hosted by

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TV & Video Channel

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

$199,900 Russia

$189,000 Herkimer

$187,500

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.

Sauquoit

$250,000 Barneveld

$249,900 Bridgewater

$239,000 Bridgewater

West Winfield

$139,900 Edmeston

$139,900 Waterville

$127,500 Marcy

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.

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.

51 Burdick Ave - Stunning kitchen w/ 7658 Route 20 - Newer built mint ranch! upgraded appliances, Mint 3 BR ranch on 3 Oak kitchen, eﬃcient heating, garage, + acres, meticulously finished lower level work shop, convenient 1 acre rural setting! oﬀers 2 cozy family rooms & more!

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!

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

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.

$100,000 Norway

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!

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.

901Westwood Drive -Wow! 2,900 sq/ft awaits in this unique 4 BR contemporary, open floor plan, vaulted ceilings, newer windows, roof & vinyl siding, lots of curb appeal, great setting!

$89,900 New Hartford (Chadwicks) $81,900

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.

3532 Oneida Street - Looking for key updates?…stop here! gorgeous kitchen, sun room, new floors, formal dining, private yard, pride of ownership, stunning gardens.

Commercial Properties

Otter Lake

$79,900 Herkimer

14045 Rt. 28 - Looking for an affordable camp with lake rights? Stop here! Offers 4 BR’s, newer bath and roof, convenient location, enjoy the seasons in your own Adirondack getaway!

$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

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

$649,900 Eagle Bay

Thendara

$299,000

Rome

$350,000

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

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.

$299,900 Rome

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

$54,900

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

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

www.Life and Homes .com

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

$699,000 Rome

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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

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

April

• $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

HINCKLEY LAKE

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

LITTLE FALLS

6952 Forbes Rd. - 3 bdrm., 4-years-young Contemporary, 2 1/2 baths, 2,200+ sq. ft., 1+ acre, fireplace, hardwoods. $315,000 7576 Roberts St-4 bdrm, Ranch, 6 years young, 3 baths, 1,800 sq. ft, 1+ acre, finished basement. $244,900 502 N. Main St-JUST lISTeD - 4 bdrms, 1 ½ baths, 2100+ sq. ft, Carriage house, newer roof, furnace and windows. $189,900

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

DEERFIELD

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

EAST UTICA

711 James St. - PRICe ReDUCeD - 3 bdrms., 2 baths, newer windows and furnace. $84,900 1618 Harrison Ave - 4 bdrms, 2 baths, 1,600+ sq. ft, hardwoods. 82,900 517 Bacon St - Three unit. Garage! $65,900 749 Rutger St. - PRICe ReDUCeD - Two units! Great income potential. $64,900 629 Blandina St - Two Unit! Separate Utilities. $64,000 518-520 Nichols St. - Three Unit! Updated baths. $49,900 123 Thomas St. - Two family. Separate utilities. $39,900 904 Third Ave - Two unit! newer furnace and windows. $35,000

FLOYD

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

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

Central New York

FRANKFORT

410 Wheelock Rd - 3 bdrms, 2 baths, 5+ acres, views. $99,900 227 Third Ave - 3 bdrms, 1 ½ baths, 1,400+ sq. ft, newer windows, deck. $79,900

HERKIMER

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120 Church St. - 2 bdrms., 1,400+ sq. ft. $42,900 Cook Rd - land and lakes Development! 5 acres. $29,900

and baths. $184,900 1905 Tilden Ave -3 bdrm, Sherman hills Ranch, 2 baths, fireplace, hardwoods. $149,900 2 Twyndom Terrace-5 bdrm, Ranch, 2 ½ baths, 2100+ sq. ft, newer roof and windows. $149,900 ILION 46 Second Ave-4 bdrms, 1 ½ baths, 1,700+ 1 Norwood Rd - 3 bdrm, Ranch, 2 sq. ft, hardwoods, newer roof and windows. $89,900 224 MacArthur Rd. - Waterfront! 4 bdrms., 2 baths, 2,000 sq. ft., open floor plan, fireplace, 19 acres. $269,900

1136 Shells Bush Rd – 3 bdrms, 2 ½ baths, 2400 sq. ft, 2 acres, deck. $219,900

NEW HARTFORD

112 Danberry Circle - PRICe ReDUCeD - 3 bdrms., 3 1/2 baths, fireplaces, cathedral ceilings,“3”car garage. $449,900 31 Jordan Rd-JUST lISTeD - 3 bdrm, Colonial, 1 ½ baths, 2100+ sq. ft, fireplace, open floor plan, cherry kitchen, deck, views. $299,900 10 Estates Dr - 2 bdrm, Townhouse, 2100+ sq ft, 2½ baths, fireplace, master suite. $279,900 9363 Mallory Rd - 4 bdrm, Ranch, 2 baths, 2,800+ sq. ft, fireplace, Master Suite, deck. 249,900 1434 Graffenburg Rd - 4 bdrm, Colonial, 2 ½ baths, 2, 200 sq. ft, hardwoods, deck, newer kitchen and roof. $224,900 38 Janet Terrace - 4 bdrms., 3 baths, 2,700 sq. ft., flexible floor plan, newer furnace and windows. $199,000 6 Westminster Circle -3 bdrms, 2 ½ baths, 2,600+ sq. ft, deck, new baths and windows. $197,900 12 Glencrest Blvd-JUST lISTeD - 3 bdrm, Colonial, 2 baths, 2100+ sq. ft, cherry kitchen, deck. $189,900 7 Christopher Circle - PRICe ReDUCeD - 3 bdrms., 2 1/2 baths, 2,100+ sq. ft., fireplace, hardwoods, updated kitchen

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 .

3720 Oxford Rd-JUST lISTeD - 3 bdrm, Ranch, deck, updated bath, newer roof. Sauquoit Schools. $114,900 10 Bohling Rd. - MOTIVaTeD SelleR SaYS MaKe an OFFeR! Village 3 bdrm, Ranch, 2 baths, hardwoods, fenced yard. $109,900 Bogner Brae-JUST lISTeD - 17 Prime acres. Incredible views. Ideal for development. $109,900 128 Clinton Rd. - 3 bdrm. Ranch, 1 1/2 baths, hardwoods, deck, deep lot. $99,900 1 Larchmont Dr. - 3 bdrm. ranch. Family room, newer furnace. $89,900 4315 Middlesettlement Rd-Commercial Property. 2+ acres. $89,900 6 Wilbur Rd - 2 bdrms, open floor plan, deck. $74,900 43 Irving Rd - PRICe ReDUCeD - aﬀordable new hartford home! 1 bdrm, eat-in kitchen. $40,000 Chestnut Dr - Chestnut hills Building lot. $32,400

NEWPORT

863 Honey Hill Rd. - 3 bdrm. log home, 1,200+ sq. ft., fireplace, 1+ acre. $140,000 3116 School St. - PRICe ReDUCeD - 4 bdrms., 2 baths, 2,500+ sq. ft., deck, newer windows. $78,400

NEW YORK MILLS 3-5 Wetmore St. - 3 unit.

Many updates. $119,900

NORTH UTICA

617 Cosby Rd. - 3 bdrm. ranch, 2 baths, hardwoods, fireplace. $114,900 521 Parklane Dr-JUST lISTeD 4 bdrm, Ranch, 1600+ sq. ft, Family Room addition, deck. $109,900

baths, updated kitchen, hardwoods, central air, great lot. $144,900 5 Coxe Ave – PRICe ReDUCeD - 4 bdrms, 2 baths, 1,500+ sq. ft, Family Room, fireplace. $134,900 121 Colonial Dr - PRICe ReDUCeD - 4 bdrm, Ranch, 1 ½ baths, updated kitchen and bath, hardwoods, deck. $131,000 26 Paris Rd – PRICe ReDUCeD - Village Two Family! Prime location. Parking. laundry. $114,900

ORISKANY

ROME

7988 Northwood Dr. - 4 bdrms., 3 baths, 2,000+ sq. ft., fireplace, deck, newer roof. $134,900 807 Calvert St - 3 bdrms, 1 ½ baths, hardwoods, newer furnace. $79,900 429 E. Locust St. - 3 bdrm. ranch, updated furnace and roof. $74,900 1017 Clinton St - 2 bdrm, Ranch, oak kitchen. $69,900 130 Victory Dr. - 3 BRs, 1,100+ sq. ft., hardwoods, newer furnace. $59,900

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 Campbell Rd-JUST lISTeD 4+ acres. Views. $35,900

SCHUYLER

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

SOUTH UTICA

2100 Genesee St. - Commercial opportunity. 2,700 sq. ft., renovated 1st floor, new windows. $169,900 69 Ballantyne Brae-JUST lISTeD 3 bdrms, hardwoods, fireplace, finished basement, deck. $134,900 104 Collier Pl-JUST lISTeD 4 bdrms, hardwoods, eat-in kitchen, Formal Dining. $89,900 827 Rose Pl. - 2 family! Separate utilities. $79,900

VERONA

5600 E. Main St. - 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

1223 Butternut St. - PRICe ReDUCeD - 3 Rt. 69/Thomas Rd. - MOTIVaTeD SelleR SaYS bdrms., formal dining, hardwoods, covered MaKe an OFFeR! Subdivided 12+ acres. Pos- porch. $75,000 sible Owner Financing. $75,000 1006 Kellogg Ave-3 bdrms, 1 ½ baths, new windows. $69,900

REMSEN

6017 Military Rd. - PRICe ReDUCeD - 4 YORKVILLE bdrms., 2 baths, 2,200 sq. ft., hardwoods, 6 Trinity Ave. - 2 bdrms., hardwoods, “3” car garage, Poland School District. formal dining. $64,900 $234,900 2205 McBride Ave-Two Family! Separate Utilities. $64,900

INNOVATIVE CUSTOM HOMES

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

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.

ENERGY STAR Labeled Homes New York State

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>> The area’s best craftspeople and suppliers.

Money Isn’t All You’re Saving

April

>> The latest materials, technologies, and techniques.

newsShorts

Soft Water: Better for Your Home and Wallet Nearly 90 percent of U.S. homes have hard water, according to the United States Geological Survey. So it’s no surprise that water hardness is the most common water problem reported by consumers. Hard water is water that contains higherthan-normal amounts of minerals such as calcium and magnesium. These minerals cause many problems in a home, including deposits in bathtubs and sinks, spots on faucets and fixtures, and buildup that clogs plumbing and shortens the life of appliances.

* Plumbing stays clean. When scale builds up over time, it will cause clogged pipes and reduced water flow. A 2010 WQA study tested showerheads and found they lost 75 percent of their flow rate in less than two years when using hard water. The same build-up that affects the inside of pipes also affects the outside of showerheads, faucets and drains, eventually making them lose their high polish and becoming harder to clean. Different products are available on the market to remove the hardness-causing minerals from water. “Water softeners provide the best protection against the problems hard water creates and keep everyday appliances in tiptop shape for years to come,” says Kovach.

While hard water itself is not a safety issue, it can be an expensive nuisance. “Hard water buildup not only makes appliances and plumbing work harder, shortening their life spans, but it requires them to consume more energy, costing homeowners money,” says Jerry Kovach, vice president of research and development at Kinetico, a leading manufacturer of water treatment products.

Central New York

L i f e and H o m e s

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* Appliance life. Appliances will last longer because soft water prevents the build-up of scale - from mineral deposits - and allows them to operate effectively. Washing machines and dishwashers can wear out nearly 30 times faster when using hard water. 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 .

Homeowners can assess the hardness of their water by getting a thorough water quality evaluation to see if any kind of water softening system is needed. Many local water treatment professionals offer in-home testing for free. To learn more about home water softener systems, visit www.kinetico.com. (ARA)

FREE

RADIO

Soft water, on the other hand, can provide families with benefits they can literally feel and see. Some of those include: * Detergent savings. With soft water, households can use less soap - whether it is laundry detergent, dish soap or shampoo - and they’ll get better cleaning results. In fact, a recent study funded by the Water Quality Association (WQA) found that when hard water is softened, detergent use can be reduced by 50 percent and washing can be carried out in 60-degree cold water instead of 100-degree hot water and achieve the same or better stain removal, yielding whiter clothes.

Kovach recommends looking for water treatment systems that only regenerate when necessary by measuring water usage to indicate it is time to recharge. That means when a homeowner goes on vacation, so does the system.

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Springt Marke ! is Here

Marcy

$389,900

Marcy

$289,000

Newly constructed Energy Star home with fabulous ﬂoor plan. Cherry kitchen with granite countertops. Many ﬁne upgrades.

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

Westmoreland $219,000

Rome

Gorgeous kitchen with granite, high end cabinets and tile ﬂoor. 4 bedroom home on nearly 2 private acres with pond.

Charming 3 bedroom home features great room with gas ﬁreplace, kitchen with cherry cabinets and granite counters.

$209,000

Marcy

$289,000

Rome

$249,900

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

Meticulous and spacious home with spectacular surroundings. Soaring ceilings, huge family room, beautiful kitchen. Fabulous!

Little Falls

New Hartford $199,500

$199,500

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

Beautifully updated home on corner lot. Many recent updates include new hardwood ﬂoors, new kitchen and new bathrooms!

West Edmeston $239,900

Sauquoit

Lovely log home boasting 26 x 26 great room, kitchen with walk in pantry, ﬁnished lower level on 2 landscaped acres.

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

New Hartford $189,000

New Hartford $119,900

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

$219,000

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

April ■

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L i f e and H o m e s

#1 Coldwell Banker in New York State

Congratulations to these Top Producers

Whitesboro

$379,900

Custom Executive home. Stunning setting for this builders own custom home. Recent updates, new kitchen, master bath, carpet, hardwoods. And a whole lot more!

Laura Minard

Central New York

Clay

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L i f e and H o m e s

Ext. 205

$229,000

Clinton

$349,000

Stunning Stone Contemporary on nearly 2 acres. Master suite with gas ﬁreplace. Fenced corner lot with inground pool.

Gaetano Belmonte

Westmoreland

Ext. 202

$219,900

Colonial Square

Gaetano Belmonte

$339,900

New Construction! Single family 3 bedroom, 2 bath, 2 car garage, over the top w/ luxury features. 3 bedroom, 2 bath, 2 car, w/ all the right options $239,900. Laura Minard Ext. 205

Westmoreland

$219,000

3 bedroom Colonial style home with new kitchen, new carpeting, an new windows. Beautiful corner lot with pool.

New Construction! Beautiful stick built family home. 4 bedroom, 2.5 bath. Still time to pick the ﬂooring!

This 4 bedroom home features gorgeous kitchen and hardwood ﬂoors, on nearly 2 landscaped acres.

Gaetano Belmonte

Laura Minard

Gaetano Belmonte

Ext. 202

Ext. 205

Ext. 202

Marcy

Debbie Roberts

$329,900

Brookfield

Custom cedar log home, featuring kitchen with granite, walk in pantry, ﬁnished lower level. Open ﬂoor plan.

Laura Minard

Gaetano Belmonte

Rome

Ext. 205

$209,000

Charming 3 bedroom home. Greatroom with gas ﬁreplace. Kitchen with cherry cabinets and granite counter tops. Private yard. Gaetano Belmonte Ext. 202

Brookfield

Ext. 202

$209,000

Spacious 4 bedroom farmhouse, fantastic kitchen with granite countertops, copper patina ﬁnished cabinets. New pine tongue & groove ﬂoors, on over 3 acres. Pat Townsend Ext. 218

4957 Commercial Drive Yorkville NY

into Your Smartphone:

Call 768.1680

Go to our Mobile Platform: m.Coldwellbankerprime.com

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$239,900

New Construction! Stunning Ranch style home. 3 bedroom, 2 bath, 1800 sq/ft. exceptional features.

Scan This

New Hartford

$199,500

Very well maintained 3 bedroom home on landscaped lot. New kitchen, bathrooms, windows, and doors. Gaetano Belmonte

Rome

Ext. 202

$139,000

New Price! Gorgeous Colonial in Oriskany School district. Kitchen w/vaulted ceiling, formal LR & DR, ofﬁce/sunroom, 3 bedrooms, 1.5 baths, walkout basement. Jodie DeCosty Ext. 201

Yorkville

$99,000

A TRUE VALUE! 3 bedroom Cape, galley kitchen with appliances, replacement windows, vinyl siding, hw ﬂoors, breezeway with attached garage. Large fenced yard! Gloria Rocci Ext. 217

St. Lawrence River

$195,000

Waterfront Condo! Last ground level unit. New construction, walk out patio, 32' boat slip in the private marina. Magniﬁcent views of the St. Lawrence River. Debbie Roberts Ext. 239

Kirkland

$127,500

CHARMING! 3 bedroom, 1 1/2 baths home completley renovated on inside, enclosed sun porch, deep yard, carport. Don't miss out! Gloria Rocci Ext. 217

Clayville

$94,900

Remarkable Cape Cod with all the updates! Newer kitchen & full bath, formal living & dining rooms, 1st ﬂoor master, plus 2 more bedrooms. Sauquoit Schools! Jodie DeCosty Ext. 201

New Hartford

$194,000

Spacious 4 bedroom Colonial with open living area, formal dining room, 2 car garage, large back yard with deck. Gaetano Belmonte Ext. 202

New York Mills

$126,500

GREAT! 2 bedroom ranch with a semi ﬁnished basement. Lots of updates, kitchen w/ appliances, hw ﬂoors, family room, inground pool, fenced in yard. Call now! Gloria Rocci Ext. 217

Clinton

$83,488

Clinton Schools! Meticulous/newer double wide in Applewood Community. Incredible kitchen, spacious living room. 3 bedrooms, 2.5 baths, laundry. Stunning master suite. Jodie DeCosty Ext. 201

New Hartford

$149,900

Many updates thru out. Beamed ceiling with gas ﬁreplace in family room. Beautifully maintained inside and out. Lovely perennial gardens enhance this property! Gloria Rocci Ext. 217

New Hartford

$124,900

Updated 3 bed, 1.5 bath ranch, beautiful deep yard, decks, picture windows over looking Twin Ponds Golf Course. Lorene Prenderville Ext. 213

New Hartford

$81,900

Updates galore in pristine Chadwicks 2 story! Gorgeous kitchen, sun room, new windows & furnace, convenient location, absolutely a move in. Richard Parent Ext. 203

North Utica

$140,000

OPPORTUNITY KNOCKS! Well maintained Ranch with an apartment income of $650 a month. WHITESBORO SCHOOLS! 3 stall detached garage. Price reduction of $12,000. Gloria Rocci Ext. 217

Whitestown

$99,000

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

Clark Mills

$40,000

Millgate Meadows - New roof, central air, lge kitchen w/ walk in pantry & center work island. 3 bdrm, 2 full baths and a wonderful 3 season sunroom! Debbie Roberts Ext. 218

April ■

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www.Life and Homes .com

L i f e and H o m e s

The Area’s Premiere Real Estate Search Engine!

#1 Selling Company in the Mohawk Valley 2306 Genesee Street, Utica, New York

315-527-1252

Visit www.CentralNewYork.com/Linda for the best local searches!

FAITH PROPERTIES

110% Committed

to Serving Your Real Estate Needs! “Linda is amazing! She made this time that people say is extremely stressful, easy for us!” - Chris & Darlene

New Hartford

$149,900

Utica

$137,500

Deerfield

Wow!! Fabulous space in this over sized split level. 2700 Sq. Ft. of open floor plan. Offers lots of options. Fireplace. Great deck to private yard. Freshly painted.

Call, Email, or Text Anytime!

$88,000

Wow! Remodeled!! Up to 5 bedrooms, 2 baths, new windows, siding, kitchen, finished attic & basement. Don’t miss this. Move-in home.

New Hartford

$112,900

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

Linda Peters

Associate Broker Cell: 315-527-1252 Email: LindaAPeters@gmail.com Meticulous from top to bottom. Newer roof, furnace, hot water heater and electrical entrance. Lots of new windows. Newly refinished hardwood floors.

$174,900

Wonderful colonial. Well maintained. New windows. New buderus boiler. Great kitchen. Gas fireplace. Gleaming hardwoods.

Frankfort

$18,900

3 Parcels. One acre surveyed lots. Your choice or combine them for your dream home. Package price for 2 or more. Needs well and septic.

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LifeandHomes.com Brantingham

9551 Mullen Hill Road

$5,000

$89,900 Lily Pond Road - Building Lot

215 Acres - $5,000 - $25,000 per acre

Water access to Brantingham Lake

For more details visit www.LifeandHomes.com Type in Quick Search #32673

For more details visit www.LifeandHomes.com Type in Quick Search #67458

Oneida County - FSBO

Century 21 Gentry Realty

Phyllis Goworek • 315-335-2745

Elizabeth Miller • 315-796-3910

FSBO • 0@0.com

Broker/Owner • liz.miller@century21.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Boonville

Licensed Mortgage Banker NYS Banking Dept

Canastota

$230,000

$79,900

8558 Jackson Hill Road

503 North Main Street

4 Bedrooms / 2.0 Baths

2 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #67457

For more details visit www.LifeandHomes.com Type in Quick Search #67454

Century 21 Gentry Realty

Noyes Real Estate

Elizabeth Miller • 315-796-3910

Judy Noyes • 315-495-5031

Broker/Owner • liz.miller@century21.com

Lic. R.E Broker/Owner • judy@noyesre.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Brantingham

$339,000 Brantingham Restaurant & Guest House

Clayville

30+ Acres

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #67496

For more details visit www.LifeandHomes.com Type in Quick Search #67467

Guillaume Realty

Marian Guillaume • 315-865-5257 Broker/Owner • pinetreema@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

$94,900

2104 Oneida Street

TEXt:

67467 508-315-9967

Coldwell Banker Prime Properties Jodie DeCosty • 315-723-8554

Lic RE Associate Broker • jodie.decosty@coldwellbankerprime.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

*Free or Reduced Cost Energy Audits *Up to 90% of homeowners will receive a free energy audit

Kalex Energy Company will perform a comprehensive home assessment. April

10% rebates and 3.99%APR ﬁnancing available

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*e.g. 4 person household below $62,448

www.Life and Homes .com

L i f e and H o m e s

*50% Subsidy up to $5000 available for income-eligible households,

#1 Selling Company in the Mohawk Valley 2306 Genesee Street, Utica, New York

315-525-7600

Visit www.CentralNewYork.com/Bozena for the best local searches!

FAITH PROPERTIES

Thinking of Buying or Selling? Contact Me Today For a Full Time Professional Advice & Service

Yorkville

$69,900

Utica

$74,900

Utica

$74,900

Utica

$79,900

Utica

$82,900

New Hartford

$86,900

Spacious bungalow offers 3 bedrooms, 1.5 Bath (could be full), nice living room. Formal dining room, hardwood floors, kitchen with all appliances.

Bozena Sroczyk

Move in condition! 3Bd 1.5Ba 2-story home completely renovated in and out. Newer kitchen with granite counter top, newer baths, floors, ceilings, & windows.

Nice & cozy 3BD Ranch with full basement, hardwood floors, 1 car attached garage, and nice backyard. Great location! Property is being sold as is.

Associate Broker sroczykb@yahoo.com Cell: 315-525-7600 Fax: 315-735-1727

Mark Canter + Weichert Realtors, Campion Weeks = SOLD Move in condition! Spacious 3BD Bungalow with many updates! New Stucco, windows, walls, ceilings, hw floors, kitchen w/ Amish cabinets, and fully insulated.

Very well maintained 4BD Bungalow with many updates throughout! Newer roof, windows,a stucco, kitchen, bath, walls, ceiling, and deck.

Caroline Marino Campion-Weeks

315-404-7380

Representing both Buyers and Sellers Experienced

With every listing and sale, I am making Central New York

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Nice 3 bedroom Ranch with all appliances. Newer roof, bath and sun room. Convenient location, close to school and shopping. Great fenced in yard.

Quick & Easy

Garage Organization Tips 1. Hanging Racks - Getting racks that you can hang from the rafters of your garage works great for a variety of items. This garage organization solution works especially well for bikes. It keeps them from taking away valuable floor space while still keeping them easily accessible. 2. Hooks - Long handled items that have a hole in the end work well to hang on hooks. If you use tarps or any sort of cover for your car or grill, hanging these things on hooks in the garage when they are not in use works very well. 3. Pegboards - Pegboards are the most flexible and inexpensive garage organization tools that there is. You can easily change how your garage is organized just by changing where you put your pegboard holders. When you do get it organized exactly the way you want, take a picture of it and hang the picture up next to the holders. Do this for every section of the garage that has pegboard holders. It

Dorothy Neumann NeuDot Realty

5. Keep sharp and dangerous items off the floor - Making sure things like rakes and hoes get put in their proper place is important for safety. When these items end up on the floor, you can have an unpleasant surprise if you are not watching where you are walking. Always put back items in their proper place that are potentially dangerous. 6. Secure hazardous items - This is another one of those garage organization tips that has to do with safety, always an important topic when you are dealing with garage storage. Anything that is toxic to humans or animals

www.RealEstateServicesCNY.com We can help you

Need more help getting that garage organized? Get more simple garage organization tips (including help so that you can finally actually park your car in the garage) at: www.yourhomeisorganized.com/GarageOrganization.htm (ArticlesFactory.com)

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

Steve Ruscitto

TEXT:

rescny 508-315-9967

Real Estate Services 315-761-7277

286 Genesee St Suite 1 TEXT: SBG Utica, NY 13502 315-796-2258 508-315-9967 www.Life and Homes .com

L i f e and H o m e s

• Sell your house fast • Buy your new home • Stop foreclosure

7. Wall Tool Holders - These work well for weed trimmers, shovels, rakes, garden equipment and brooms. Having a wall tool holder not only helps keep these items organized but it also means that they stay off the floor.

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

4. Shelves - The best way to use shelves in your garage is for storing containers and smaller items. Make sure whatever shelving you install will be able to handle the weight load of what you are going to put on it.

should be kept in a secure area that small children and pets cannot reach. Things like paint, weed killers, bug sprays and gas all belong in this category. If you have pets that go in the garage and they can climb, this means putting these items in high cabinets that you can close. If you have children, it is always a good idea to let them know at a young age what is and is not dangerous in the garage.

April

Selling FSBO? This year, more than ever, is not the time to go it alone. Buyers have many homes to choose from. A realtor provides maximum exposure, screens prospects, has contacts with attorneys, home inspectors, surveyors, lenders, contractors. We guide you through the maze of contracts, disclosures, marketing, setbacks and myriad of details. More than ever, you need a friend on your side; someone who knows the market, the risks, the ropes. Now an approved HUD broker. You need Neu.Dot Realty.

works best to do this for each section of the pegboard rather than taking a picture of the entire thing.

LifeandHomes.com Clinton

$339,900

$127,000 3706 Sweeney Road / 15 Acres

5 Bedrooms / 2.5 Baths

3 Bedrooms / 1.0 Baths

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

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

Barbara Frank • 315-853-4400

Barbara Dunn • 315-337-1677

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

$199,900

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Dolgeville 83 South Main Street

4 Bedrooms / 2.5 Baths

4 Bedrooms / 1.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #42440

Barbara Frank • 315-853-4400

United Country Real Estate/HBE Group, Inc John Carlin • 315-429-9754

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

$279,900

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Eaton 6328 Pecks Road

3 Bedrooms / 2.5 Baths

3 Bedrooms / 2.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #67453

Barbara Owens • 315-853-4400

Amber Marie Powell • 315-363-2710

Associate Broker • info@barbaraowens.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

$247,500

Noyes Real Estate

Lic. R.E Salesperson • amber@noyesre.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Eaton

$119,900

123 Homewood Drive

4244 State Route 46

4 Bedrooms / 3.5 Baths

3 Bedrooms / 1.5 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #67456

Jodie DeCosty • 315-723-8554

Judy Noyes • 315-495-5031

Coldwell Banker Prime Properties Lic RE Associate Broker • jodie.decosty@coldwellbankerprime.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Constableville

$99,900

Noyes Real Estate

Lic. R.E Broker/Owner • judy@noyesre.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Herkimer

$53,000

3708 Sweeney Road

310 Dewey Ave

2 Bedrooms / 1.0 Baths

3 Bedrooms / 1.5 Baths

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

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

Barbara Dunn • 315-337-1677

Leslie Nicolette • 315-985-0212

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

117 MAIN ST BOONVILLE, NY 13309 315-942-4408

Bruce Ward & Company Lic. R.E Salesperson • dnicolette@twcny.rr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Online Defensive Driving Course • Save 10% Mandatory Auto Insurance Premium Reduction for 3 Years. • NYS DMV Approved • No Final Exams! • Convenient - Save Time!

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$134,900

8179 Kellogg Street

Clinton Real Estate

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

www.CavalierInsuranceAgency.com

$48.95 16

$135,000

69 Stebbins Drive

Clinton Real Estate

Central New York

Constableville

76 College Street

Clinton Real Estate

L i f e and H o m e s

Open Market Listing Service™

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 .

$38.95 with Promo Code nyicav10

Open Market Listing Service™ Herkimer

LifeandHomes.com Middleville

355 King Street

$49,900

$14,500 Herkimer County - Building Lots

3 Bedrooms / 1.5 Baths

On-site Financing Available

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

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

Holland Patent

$29,900 8651 Edwards Rd - Land for Sale

Middleville

8+ acres

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33613

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

Joel Siegfried • 315-793-7580

Tom Koehler • 315-891-3254

SBG Realty

TEXt:

Tom Koehler Real Estate

Broker/Owner • info@sbg-realty.com

33613 508-315-9967

Owner • newhomesmodular@yahoo.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Ilion

$79,900 161 Second St - Commercial

Ilion

Office/Restaurant 1800+ sq ft

4 Bedrooms / 2 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #67543

Dominion Homes Broker/Owner • blon316@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Ilion

Bruce Ward & Company

Leslie Nicolette • 315-985-0212 Lic. R.E Salesperson • dnicolette@twcny.rr.com

67543 508-315-9967

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

$118,900

2 Kensington Court

4 Bedrooms / 2.0 Baths

3 Bedrooms / 2.5 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #67090

Leslie Nicolette • 315-985-0212

Gaetano Belmonte • 315-768-1680

Coldwell Banker Prime Properties

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

Realtor • Homes@GaetanoBelmonte.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Little Falls

Licensed Mortgage Banker NYS Banking Dept

New Hartford

$13,900

$189,000

49 Ward St - Multi Family

16 Fawncrest Blvd

10 Bedrooms / 4.0 Baths

4 Bedrooms / 2.5 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #67091

Amy Abdoo • 315-794-2653

Gaetano Belmonte • 315-768-1680

Dominion Homes

Coldwell Banker Prime Properties

Broker/Owner • blon316@aol.com

Realtor • Homes@GaetanoBelmonte.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

KD Homes

$199,500

44 South Fourth Ave

Bruce Ward & Company

42065 508-315-9967

$109,000

61 Second Street

TEXt:

Amy Abdoo • 315-794-2653

TEXt:

$369,900

Mini Country Estate

featuring

841-8700

email kdhomes@frontiernet.net web kdhomesny.com

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

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

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

TEXT:

Jerry 508-315-9967

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

email: pasqualettilaw@gmail.com

www.Life and Homes .com

L i f e and H o m e s

KD Homes Rt 12 Waterville, NY 13480

Amy is a NYS licensed Real Estate Broker. For the last 6 years she has enjoyed working primarily with marketing foreclosures with several different banks and outsourcers. She resides in Clinton and when not “Helping You Make Our House Your Home”, she spends time with her husband and three boys. Give her a call or email for your Real Estate needs.

Real Estate Law

■

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

Dominion Homes

April

Bill Lake Homes

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

Amy Abdoo

Licensed Mortgage Banker NYS Banking Dept

LifeandHomes.com New Hartford

Open Market Listing Service™ Oneida

$174,900

307 Higby Road

1855 West Road

3 Bedrooms / 2.5 Baths

5 Bedrooms / 2.5 Baths

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

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

NeuDot Realty

Hunt Real Estate ERA

Dorothy Neumann • 315-527-3542

Sue Rosendale • 315-374-7451

Broker/Owner • neu.dot@gmail.com

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

Licensed Mortgage Banker NYS Banking Dept

Oneida

$185,000

25 South Hills Drive

$139,900 1320 Genesee Street - Rt 5

3 Bedrooms / 2.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #42210

New Nest Realty

TEXt:

Noyes Real Estate

Amy La Clair • 315-790-4153

Amber Marie Powell • 315-363-2710

Broker/Owner • info@newnestrealty.com

42191 508-315-9967

Lic. R.E Salesperson • amber@noyesre.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

Licensed Mortgage Banker NYS Banking Dept

Oriskany

$75,000

7970 Postal Road

3 Bedrooms / 1.0 Baths

3 Bedrooms / 1.5 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #67463

RE/Max All Pro

Joel Siegfried • 315-793-7580

Tony Abone • 315-339-2222

Broker/Owner • info@sbg-realty.com

42238 508-315-9967

Broker/Owner • proabone@cnymail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Oneida

$149,900 4762 State Street - 2 Family

Oriskany Falls

4 Bedrooms / 2.0 Baths

Historic barn + 5 acres

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

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

TEXt:

Patricia Morreale • 315-793-7580 Lic. R. E. Agent • Parispm2@yahoo.com

42240 508-315-9967

42335 508-315-9967

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Oneida

Central New York

$45,000

5 Acres

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

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

TEXt:

42445 508-315-9967

Licensed Mortgage Banker NYS Banking Dept

Barbara Wickham Owens

Sweet Satisfactions Life is Delicious

■

Licensed Mortgage Banker NYS Banking Dept

3 Bedrooms / 1.0 Baths

Low Mortgage Rates • Homestead Financial 315-768-1980

L i f e and H o m e s

Broker/Owner • info@newnestrealty.com

Starr Hill - Prime Acreage

Assoc. Broker • thinkthelma@twcny.rr.com

Steph & Rach

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

Amy La Clair • 315-790-4153 Low Mortgage Rates • Homestead Financial 315-768-1980

Remsen

$134,900

Thelma Chase • 315-363-5464

sweet 508-315-9967

New Nest Realty

414 Oxford St

Don Kingsley Real Estate

TEXT:

$69,000

Valley View Road - Land

SBG Realty

TEXt:

$69,900

19 New Hartford Street

SBG Realty

TEXt:

$299,900

www.SweetSatisfactions.com

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

Associate Broker, GRI

Clinton Real Estate I am proud to provide real estate services for Central NY, especially Clinton, Kirkland, New Hartford, Whitesboro, Waterville and surrounding areas. As a full service broker, I have the knowledge and expertise to help you achieve all your real estate goals. Contact me today to learn why I Lead Real Estate Locally.

Oneida County - FSBO

Al Lindsey • 270-977-8555 FSBO • arl@lindsey-family.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

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

Pre-Listing & Buyer Inspections Septic System Inspections & Dye Tests Water Purity & Quality Tests Office - (315) 853-4400 Cell - (315) 725-3836 Waterville Office - (315) 725-1434 Email: Info@Clintonrealestateny.com Web: www.Clintonrealestateny.com

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

Call 315-363-8074

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

2306 Genesee Street, Utica, New York

www.centralnewyork.com/Lori

FAITH PROPERTIES

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

Here is what Lori’s Clients are Saying: Utica

$899,900

Classic & elegant georgian brick Sherman Hills estate. Total restoration, update & expansion in the last two decades. Formal & informal space flows gracefully through this rare oﬀering. MLS # 1001551

Utica

$99,900

Beautiful roomy bungalow, large entry hall, living and dining room. Eat-in kitchen. Newer replacement windows. Walk up attic with 3rd and possibly 4th bedroom and storage.MLS # 1003325

Herkimer

$89,900

Investors delight, 4 family with great income, oversize rooms with many closets. Over looking the park. MLS # 1100228

“This is the second home we listed with Lori. She is a great person. Very reliable and extremely honest and loyal to her clients. Give her a raise- she deserves it!” -Ron and Cathy J.

“She provided excellent service w/ communication, professionalism. Lori is great to work with!” -Judy J. New Hartford

$39,500

Great view, wonderful building lot. Homes surrounding property, new hartford schools, public water, sewers & gas available. Survey done. Taxes are approx. MLS # 1100523

Utica

$29,900

Electric, gas, water in the road. Driveway-stone. Great building lot, partially wooded! The best of both worlds, country setting yet close to city. MLS # 1000418

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

“Everything was excellent. Lori kept us informed on progress and updates.” -Jim C.

“Every step of the way was great from sales to closing. Lori Hamlin is truly an asset to your organization.” -Tom G.

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 Listing

Large newer 3 bedroom 2 bath ranch, central air, all appliances including washer, dryer, dishwasher, new furnace, more $49,900

New Luxury Home - Now on Display

Huge custom ranch, attic with staircase, stainless steel appliances, disposal, 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

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

April

U ED

Kay Real Estate Kenwood

Central New York

$339,000

Oneida

$229,900

Oneida

$214,900

Built in 2003, this 2,167 square foot custom Ranch offers 3 bedrooms, 2 full baths, open ﬂoor plan, hardwood ﬂoors, 2 car attached garage, full dry basement, central air.

Family oriented 5 bedroom Colonial boasts private rear yard, 2 car attached garage with walk-up attic, full basement, central air, cedar siding, crown moldings, rear deck and 1st ﬂoor laundry.

MLS#S236319 Janet Mautner, Broker

MLS#S248353 Janet Mautner, Broker

MLS#S249075 Jayne Wentworth, Broker

MLS#S243158 Janet Mautner, Broker

$182,500

Oneida

$178,000

Canastota

$154,900

5 bedroom Colonial boasting 2 1/2 baths, living, dining and family rooms, den, oak kitchen with appliances, hardwood ﬂoors, natural woodwork, pocket doors, 26’ x 35’ two story garage. Well maintained. MLS#S228684 Donna Keene, Associate Broker

Charming Dutch Colonial featuring natural woodwork and hardwood ﬂoors throughout, 4 bedrooms, 2 full baths, updated cherry kitchen with appliances, inground pool and a wine cellar. MLS# S245362 Janet Mautner, Broker

Built in 1989, this young 3 bedroom 2 1/2 bath Ranch can be yours! Living room with ﬁreplace, eat-in kitchen with appliances, family room plus 1,100 additional ﬁnished sq. ft. in basement.

Oneida

Oneida Castle

Oneida

$149,000

Family oriented home nestled on a large lot close to schools. Living and family rooms, kitchen with cherry cabinets and appliances, 2 full baths, 2 1/2 car garage, established gardens, walking distance to everything. MLS#S249302 Janet Mautner, Broker

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Bernhard’s Bay

House and Cottage nestled on 2.69 acres. 225 feet of waterfront. Main house has 2,400 square feet, hardwood ﬂoors, meticulously maintained. Manicured grounds.

Oneida

L i f e and H o m e s

$450,000

3,700 sq. ft. Neo Classical Villa. Custom kitchen, hardwood ﬂoors, 3 ﬁreplaces, garage and inground pool. Nestled on the 18th green of Oneida Community Golf Course.

$139,900

Charming Cape with gleaming hardwood ﬂoors and natural woodwork, living room, dining room, Woodmode kitchen with appliances, 1 1/2 baths, 3 bedrooms, central air, 2 car detached garage with screened in porch. MLS#S248953 Katie Falkenmeyer, Salesperson

MLS#S247524 Katie Falkenmeyer, Salesperson

$127,900

Brick Ranch with open ﬂoor plan, Woodmode cabinetry, living room with ﬁreplace, formal dining, lower level family room, 4 bedrooms, 2 1/2 baths, central air, attached garage and large side yard with patio.

MLS#S248793 Jayne Wentworth, Broker

Sherrill

$154,000

Oneida Castle

Sherrill

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 .

$149,900

Mint condition 3 bedroom 2 bath Ranch in Sherrill boasts hardwood ﬂoors throughout, living room open to informal dining, kitchen with Corian counters and new appliances, garage, ﬁnished basement and central air. MLS#S248800 Janet Mautner, Broker

Spacious rooms and well decorated, this Sherrill home features 4 bedrooms, 2 baths, living and family rooms, large lot, detached garage and seller will credit buyer $4,000 towards a new roof.

Wampsville

Canastota

$113,900

Lovely Ranch on a quiet cul-de-sac, spacious fenced yard, 3 bedrooms, full bath, recently reﬁnished hardwood ﬂoors, freshly painted interior, oak kitchen with appliances, living and dining rooms. MLS#S249083 Julie Stickels, Broker

MLS#S243807 Jayne Wentworth, Broker

$114,500

Well maintained 2 or 3 bedroom Ranch, new furnace and new central air, living room open to dining, fully applianced kitchen, full basement, breezeway in garage, nestled on a large lot. Look -n- Love. MLS#S249113 Janet Mautner, Broker

126 Main St., O neida, NY • 315.363.9191 • w w w. k ay s te a m . co m 20

$214,900

Two story Craftsman style home boasting 3,200 square feet, 5 bedrooms, living room and family room both with ﬁreplaces, Woodmode kitchen with granite counters, natural woodwork and hardwood ﬂoors throughout. MLS#S246127 Julie Stickels, Broker

April â&#x2013;

www.Life and Homes .com

L i f e and H o m e s

SCAMPONE REAL ESTATE 797-7100

G TIN

LIS

Whitesboro

$218,900

Impecable 4 bdrm, 2 ½ bath colonial on cul-de-sac. Tastefully updated from windows to baths. Formal lr & dr. Skylights & sliders open up a beautiful brkfst area. Finished room in basement. Needs nothing but a new owner. Must see pics at scamponerealestate.com.

South East Utica

$239,900

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

Frankfort

G TIN

LIS

D TE IVA OT

R LE

SEL

East Utica - Commercial $139,900

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

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

MLS #1003199

North Utica

New Hartford

119,900

Central New York

$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

N IO CT RU ST N CO

MLS #1000563

West Utica

$115,000

$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

$139,500

$92,500

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 #1100264

ME HO ILE OB

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 .

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

South East Utica

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

$224,900

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

MLS #1100244

L IA RC ME OM

New Hartford

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!

MLS #1003525

■

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.

$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

New Hartford Condo $235,000

$164,900

West Utica

South East Utica

$189,900

Delightful, totally remodeled year round home situatd on a double lot and only steps to the water. New windows, bath, kitchen, hrdws thruout & excellent craftsmanship. Light & bright, front & rear decks. Bonus room garage perfect for parties. Appealing open ﬂoor plan, spacious. Just move right in.

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!

L i f e and H o m e s

Sylvan Beach

Clinton

$38,000

This 3 bedroom is ready for you! You can’t miss with upgraded carpet, covered porch & carport priced to move. Park approval needed. Newer appliances, wooden blinds. Washer & dryer stay. MLS #1100643

D TE IVA OT

SEL

Open Market Listing Service™

LifeandHomes.com

Rome

$29,500 610 W. Liberty - Multi Family

Rome

4 Bedrooms / 2.0 Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #57986

For more details visit www.LifeandHomes.com Type in Quick Search #67460

1105 Madison Street

Dominion Homes

Clemens-Beckley Real Estate

Amy Abdoo • 315-794-2653

Wendy Palinski • 315-334-1046

Broker/Owner • blon316@aol.com

Lic. R.E Salesperson • WKPALINSKI@AOL.COM

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

TEXt:

Licensed Mortgage Banker NYS Banking Dept

Rome

$154,000

$119,900

6559 Elmer Hill Road

7100 Townline Road

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 #67418

1St. Rome Realty

Coldwell Banker Faith Properties

Tracy Winterton • 315-335-3843

42327 508-315-9967

$107,900

Kathy White • 315-723-7741

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

Lic. R. E. Broker • e_realty@verizon.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

Licensed Mortgage Banker NYS Banking Dept

Rome

$249,900

$62,000

1308 N Madison Street

308 River Road

4 Bedrooms / 2.5 Baths

Open House April 17, 11-2 p.m.

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

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

Accent Brokerage, Inc.

Don Kingsley Real Estate

Becky Smith • 315-868-3098

Thelma Chase • 315-363-5464

Broker/Owner • rsmith@accentbrokerage.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

$174,900

$59,500

8323 Greenview Drive

728 Calvert Street

4 Bedrooms / 2.5 Baths

2 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #67459

For more details visit www.LifeandHomes.com Type in Quick Search #67462

Clemens-Beckley Real Estate

RE/Max All Pro

Gladys Winterton • 315-334-1046

Tony Abone • 315-339-2222

Lic. R.E Salesperson • GLADYSWINTERTON@YAHOO.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

$76,000

$34,500

1312 Schuyler Street

506 W. Park Street

3 Bedrooms / 2.0 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #67461

For more details visit www.LifeandHomes.com Type in Quick Search #67464

Clemens-Beckley Real Estate

RE/Max All Pro

Karen Scuderi • 315-334-1046

Tony Abone • 315-339-2222

Lic. R. E. Agent • k_SCUDERI@YAHOO.COM

Broker/Owner • proabone@cnymail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

www.SuperiorPlusEnergy.com

NAHI

Don Archer

NRPP

Call 315-792-9029

http://www.advancedhomeis.com

the finest and most durable Radon Reduction Systems available. Problem So ive Home lutio ovat ns Inn

P.M. CARABIN CERTIFIED EXPERTS EST 1995

315-534-1277

TEXT: RaDON NEHA #105678RMT phillipcarabin@yahoo.com 508-315-9967 www.Life and Homes .com

L i f e and H o m e s

800-432-8669

Well ﬂow/Septic Dye/Water Purity Testing Providing our clients with an educated inspection of their new home purchase while looking for any minor/major defects

GONE! Design and installation of

■

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

RADON… April

Advanced Home Inspection Service LLC

LifeandHomes.com Rome

Open Market Listing Service™ Utica

7811 Turin Road

$105,000

$40,000 1209 Walnut Street - 2 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 #67468

Tony Abone • 315-339-2222

Kelly Jackson • 315-219-5990

RE/Max All Pro

Accent Brokerage, Inc.

Broker/Owner • proabone@cnymail.com

Lic. R. E. Agent • kjackson@accentbrokerage.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Russia

$126,000 217 State Rt. 8 - Commercial

Utica

Pole Barn & Land

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #67469

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

$24,900 1120 Schuyler - Multi Family

United Country Real Estate/HBE Group, Inc. Shelley Hatch • 315-796-5329

TEXt:

Lic. R. E. Agent • shatchuc@yahoo.com

41646 508-315-9967

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

2 Homes on 1 Parcel

6 Bedrooms / 2.0 Baths

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

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

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

TEXt:

42343 508-315-9967

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Munnsville

Oneida County - FSBO

Rick Andrew • 315-534-0555 FSBO • rickjandrew@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Vernon

5550 West Rd

$1,400

$28,000 Cooper Street - Building Lot

1400-1600/mth Business/Resident combo

3.65 acres

For more details visit www.LifeandHomes.com Type in Quick Search #67455

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

Amber Marie Powell • 315-363-2710

Amy La Clair • 315-790-4153

Noyes Real Estate

New Nest Realty

Lic. R.E Salesperson • amber@noyesre.com

Broker/Owner • info@newnestrealty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

$119,750 29-35 Devereaux St - Commercial

Vernon

Drive thru bank w parking

7 Bedrooms / 7.0 Baths

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

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

Maria E. Dailey • 315-336-0433

Sue Rosendale • 315-374-7451

Hunt Real Estate ERA

Broker/Owner • dailey.realty@gmail.com

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

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 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 .

Licensed Mortgage Banker NYS Banking Dept

Effective & Affordable Advertising

Print • Online • Radio • TV & Video

315.865.5845

$399,900

50 Seneca Avenue

National M&D Dailey Realty

Central New York

Licensed Mortgage Banker NYS Banking Dept

Utica

Broker/Owner • liz.miller@century21.com

■

Broker/Owner • neu.dot@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

$133,000 9020 Mill Street - 2 Homes

Elizabeth Miller • 315-796-3910

L i f e and H o m e s

Dorothy Neumann • 315-527-3542

Stittville

Century 21 Gentry Realty

NeuDot Realty

David@LifeandHomes.com

media

“Trust in the Lord with all your Heart.” Prov. 3:5

Getting Organized Can

Save You Money Is your life so disorganized that it’s costing you money?

If you’re like all too many Americans, you’re spending so much time rummaging around for lost or misplaced items-wasting a combined 9 million hours a day—that you’re probably too frazzled to even contemplate that question. That’s a real shame. Because it turns out it’s not just stuff like car keys and medicine we’re mislaying. According to Harris Interactive, 23 percent of adults admit to paying their bills late because they’ve lost them in what we’ll call The Great Abyss.

• Baskets are your new best friend. Everyone in your house should have his or her own decorative one to hold loose items. “It’s an instant declutterer,” says Pollack.

And you know what happens when you don’t pay your bills on time, right? You incur late fees— and, in the case of bank credit cards, for example, also open yourself to sky-high annual interest rates.

• No one should be without a “home management” binder. Well, okay, you can probably do without it if you’re paying someone $100,000 a year just to keep track of your family’s schedule, emergency contact numbers and all the rest of life’s minutiae that contribute to high stress levels. But for the rest of us, Pollack advises separating each section with Avery NoteTabs (www.avery.com) that have the advantage of being writable, highlightable, stickable and removable.

“People have to realize that being disorganized has real-life consequences,” says organizational expert Jill Pollack, who’s been featured everywhere from WE’s “Bridezillas” to FoxNews.com. Time you organized your life? Read on for some expert tips:

• Your second-best friend is your coding system. Alphabetizing your files—yes, you’ll need files— is apparently so yesterday. The “more intuitive” way to go? Colors. You know, green for financial documents, red for health matters, and so on.

• Stay on top of your bills. Not only do current bills rate a file folder all their own—color code it neon green, if you like—but you need to make a habit of going through it once or twice a week to remit payment. • Clear your desk. If your home’s cluttered, odds are so is your office. Make a point to clear it before you leave at night so you can start fresh in the morning. Pollack has three final words of advice for pack rats who insist on keeping every last tax return (seven years normally suffices), every last paycheck (toss once you’ve gotten your W-2 form) and every last credit card statement (shred immediately, after checking for accuracy, since they’re a prime source of identity theft). Those words? “Purge, purge, purge.” (NAPSI)

Denise Witchley Lic. Real Estate Broker/Owner

“The Key to your front door” Rome

$54,900

337-0841 office 335-6971 cell Lee Center

535 W. Embargo Street

9174 Sulphur Springs Road

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!

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#42087

QSN#42443

Rome

$57,000

Rome

key 508-315-9967

$125,000

110 Abbe Blvd

6607 Bartlett Rd

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!

Old farmhouse and farm buildings. Needs a lot of TLC. Approx 37 acres. Nice area. Mostly pasture. Needs someone with a vision, patience, a deep wallet and the rewards will be many!

QSN#41379

TEXT:

$84,900

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#33888

LifeandHomes.com Vernon

$89,900

4 Bedrooms / 2.0 Baths

3 Bedrooms / 1.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #58022

Sue Rosendale • 315-374-7451

Thelma Chase • 315-363-5464

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Vernon

$289,900

67364 508-315-9967

Don Kingsley Real Estate Assoc. Broker • thinkthelma@twcny.rr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Western

4140 Churton Road

$159,900 10478 Webster Hill Road

2 Bedrooms / 2.5 Baths

5 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 #57527

Amy La Clair • 315-790-4153

Becky Smith • 315-868-3098

New Nest Realty

Broker/Owner • info@newnestrealty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Vernon

TEXt:

$69,900

124 Genesee St.

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

42155 508-315-9967

Wampsville

18 Front Street

Hunt Real Estate ERA

TEXt:

Open Market Listing Service™

$234,900

Accent Brokerage, Inc. Broker/Owner • rsmith@accentbrokerage.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Westmoreland

$129,900

4387 Sholtz Road

6091 Eureka Road

4 Bedrooms / 2.0 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #67364

For more details visit www.LifeandHomes.com Type in Quick Search #67360

Amy La Clair • 315-790-4153

Barbara Frank • 315-853-4400

New Nest Realty

Broker/Owner • info@newnestrealty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Vernon Center

Clinton Real Estate

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

$224,900 5952 Central Corners Road

Westmoreland

3 Bedrooms / 3.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #67367

For more details visit www.LifeandHomes.com Type in Quick Search #67366

Barbara Owens • 315-853-4400

Clinton Real Estate

Associate Broker • info@barbaraowens.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

$179,900

5090 Eureka Road

Clinton Real Estate

Associate Broker • info@barbaraowens.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Verona

$15,000 5553 Town Line Road - Lot

Whitestown

septic & well

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42055

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

Broker/Owner • info@newnestrealty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Central New York

Licensed Mortgage Banker NYS Banking Dept

$139,900 6973 Rome Oriskany Road

Coldwell Banker Prime Properties Lic RE Associate Broker • jodie.decosty@coldwellbankerprime.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

L i f e and H o m e s

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Barbara Dunn Realty

TEXt: Professional & Courteous Real Estate Services

NEST 508-315-9967

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 .

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

BRANJEN REALTY

8469 Seneca Turnpike New Hartford

797-7777

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

5112 Lowell Rd, Westmoreland

$189,900

Completely rebuilt. This house was gutted down to the studs and almost everything is new. Features 4 bedrooms and 3 full baths & extra family room Lots of room to spread out in this home! 2 Stall garage, 5 acres of land with small stream. Too many updates to list. VVS Schools and minuets to Rome or Utica. See our photos on line at www.BRANJEN.com Priced for fast sale at $189,900!

New Hartford $144,900

9600 Chapman Rd - Move right into this renovated 3 bedroom Raised ranch in the desirable Hughes Elementary School District. 100% Financing Available !!!!

Westmoreland $119,900

5116 Tudman Rd. - 4 Bed 3 bath Manufactured home built on one acre lot in 2004. Priced to sell!

5116 Lowell Rd, Westmoreland

$149,900

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

New Hartford $134,900 24 Merritt Place - Completely renovated 3 bedroom home. 100% Financing Available !!!!

Lee $109,900

8609 Turin Rd - 3 bedroom updated ranch with private yard. Priced to sell!

New Hartford $139,900

14 Bradley Rd - 4 Bedroom colonial currently being renovated in the desirable Hughes Elementary School District

April ■

www.BRANJEN.com

www.Life and Homes .com

L i f e and H o m e s

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

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

Utica

$62,500

Whitesboro $364,900

New York Mills $187,000

Utica

$59,900

Whitesboro $154,900

Brantingham $249,900

MLS #1003535

MLS #1003939

MLS #1002966

MLS #1100568

MLS #1002608

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

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

Hunt for Homes, LLC Sauquoit Schools Central New York

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

Oriskany Schools

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 Don’t wait, call Jean Hunt 223-4868 for appt.

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L i f e and H o m e s

$177,500

$79,900

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

Jean Hunt

23 Oxford Road New Hartford NY 13413

(315) 223-4868

What’s A Buyer Broker? It’s the best thing that’s ever happened to buyers of real estate! View homes and get all relevant information on the properties in order to make the best deal for yourself! Take advantage of my 30 yrs. of experience in negotiating. Get the best price and terms for your new home and it won’t cost you a dime! Call me for further details

JEAN HUNT Office: 223-4868 Cell: 725-4700

2112 Sunset Ave Utica, NY 13502

(P) 797.2400

Alex Sen Broker

Ed Kasperovich Sales Agent

Mark Enjem Sales Agent

“True Service with Savings”

Utica

$84,900

Whitesboro

$59,900

Whitesboro

$69,000

Utica

134 Lynch Ave

10 Clyne Place

41 Tracey St

1321 Maple St

Alex Sen

MLS#1001476 Ed Kasperovich

MLS#1100494 Alex Sen

MLS#1100551 Alex Sen

Move in ready, pristine South Utica home. Updated heating system, electrical, water heater, hardwood floors, deck, loft attic room for expansion, shows well. MLS#1002829

Frankfort

$159,000

Renovated Whitesboro home, hardwood floors, move in ready!

Ilion

$62,900

Nice Whitesboro home, enclosed porches, insulated, 3 bedrooms plus an office. Great value for the area.

Utica

$74,900

A very unique, spacious 4 bedroom home, with an in law apartment, beautiful hardwood floors, molding, etc.

Frankfort

3143 State Route 5

135 John St

1215 Oswego St

403 Palmer St

MLS#1100308 Alex Sen

MLS#1003931 Alex Sen

MLS#1100032 Ed Kasperovich

MLS#1002852 Ed Kasperovich

A newer spacious colonial in a private setting, motivated seller, priced to sell!!!

$229,500

Little Falls

MLS#1003892 Alex Sen

MLS#1003458 Alex Sen

Turn key truck repair shop, on 1.38 acres,many possibilities for commercial use, construction, contracting, etc.

$169,000

Great commercial location for development. Former Pizza Hut, currently being used as a ATV dealership. Great traffic and visibility, large parking lot.

Utica

$149,900

Utica

107 Hotel

1004 Cornelia St

MLS#1000530 Mark Enjem

MLS#911448 Alex Sen

Large warehouse with 4 floors on one side and 3 floors on the other. Features a large parking area, a loading dock for easy access and a freight elevator with a 1,500lb. load capacity.

$64,900

Over 5000 sq ft building downtown, first flr would make a great office or apartment. Nice woodwork and floors, fire place, second flr is open space gymnasium with locker rooms & showers.

www.Life and Homes .com

L i f e and H o m e s

273 West Main St

Spacious 3-unit in frankfort, great income property!

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2396 Broad St

Nicely renovated two-family with 3 bedroom flats.

$98,900

April

Frankfort

A well maintained duplex with many updates including new furnace, fully rented.

$79,900

#1 Selling Company in Utica, Rome, and the Mohawk Valley 2306 Genesee Street, Utica, New York

Visit www.CentralNewYork.com for the best local searches!

L i f e and H o m e s

â&#x2013;

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

Audrey Johnson

Cindy Lazzaro

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

Tricia Ondrako

Ted Derby

Diane Lockwood

Kelli Inserra

Linda Peters

Henri Abiyaghi

Ismail Yildirim

Lori Hamlin

Lori Scalise

Jay Groah

Michelle Thompson

Marcia Archibald Pauline Nicoterra

Veronica Coe

Rick Rodio

Kathy White

Adeline Van Dyke

Rosemarie Costello Brandon Borowiec

April â&#x2013;

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L i f e and H o m e s

735-8515

Campion-Weeks Waterfront

$429,900

Fabulous Adirondack home. 474 ft waterfront. 3 BDs, 2.5 baths. 3700 s/f. Vaulted ceilings. Boating on Kayuta Lake, snowmobiling trails. 7.8 acres. MLS#1100462 www.Campionweeks.com 735-8515

New Hartford

$219,000

Gracious 4/5 BD split level on quiet culde-sac. FR, DR, 2 full & 2 half baths. 2 car garage. Woodmode kitchen, newer baths. MLS#1002641 www.Campionweeks.com 735-8515

South Utica

New Hartford

$325,000

Charming early home on 4.6 acres. 4 Bds, 2.5 baths, FR, DR. 2 Car garage. Barn. Guest cottage. MLS#1100471 www.Campionweeks.com 735-8515

Deerfield

$249,000

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

Yorkville

$149,900

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

Great 5 BD ranch w/ 2.5 baths, DR, FR, 2 car attached garage. NY Mills schools.

MLS#1003792 www.Campionweeks.com

MLS#1003926 www.Campionweeks.com

Whitestown

Central New York

$149,900

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

735-8515

$109,900

Whitesboro

735-8515

$124,900

Vernon Center

$334,900

Outstanding 6 yr old colonial on 39 acres. Clinton schools. 5 Bds, 3 baths, FR, DR, 3 car garage. Very private setting. MLS#1100532 www.Campionweeks.com 735-8515

Southeast Utica

$259,900

Gorgeous Dutch Colonial with beautiful cherry kitchen, solarian breakfast area, Dr, FR, study, 5 BRs, 3.5 baths. 3 car garage. Inground pool.

MLS#1100009 www.Campionweeks.com

New Hartford

735-8515

$157,900

Recently updated 4 BD, 2 bath cape. New carpet, newer roof and vinyl siding. Oversize 2 car garage. Sunroom. MLS#1004080 www.Campionweeks.com 735-8515

East Utica

$117,500

Attractive, well maintained 3 BD ranch. Large kitchen, new bath, full basement. 2 car garage.

Completely remodeled 4 family. Seperate utilities, vinyl siding.

Wonderful 3 BD, 1.5 bath ranch. Updated bath, hardwood ﬂoors, attached garage.

MLS#1100511 www.Campionweeks.com

MLS#1100552 www.Campionweeks.com

MLS#1003333 www.Campionweeks.com

Yorkville

735-8515

$99,900

$112,900

Whitesboro

735-8515

$77,400

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

Immaculate, updated 3 BD ranch. New kitchen, bathroom, roof. Vinyl siding. Garage.

MLS#1100262 www.Campionweeks.com

MLS#1003108 www.Campionweeks.com

735-8515

Mark Canter

Susan Alberico

Caroline Marino

Sam Vedete

Vera Sadallah

Adeline Griffiths

Alice Donnelly

Anne Cesare

Anne Hameline

Anthony Desarro

Brett Lojewski

$364,900

Wonderful Herthum Hills 5 BD, 3 bath colonial. Fabulous kitchen, DR, FR, 3 car garage. MLS#1100568 www.Campionweeks.com

Whitesboro

735-8515

$154,900

Gorgeous village home. 3 BDs, 1.5 baths, FR, DR. Totally redone. Pool, lge 2 car garage w/ party rm & hot tub above. MLS#1002608 www.Campionweeks.com 735-8515

North Utica

Rome

Kim Johnson

Linda Cavalier

Linda Kuzniar

Luis Montero

Marilyn Valvo

735-8515

$136,000

Wonderful, spacious 3 BD, 2 bath brick ranch. Updates, FR, attached garage. Westmoreland schools. MLS#1003582 www.Campionweeks.com 735-8515

Herkimer

Dave Malozzi

$99,500

Stunning 2 BD, 2 bath cape. Private master suite on 2nd ﬂoor. Vinyl siding. MLS#1100481 www.Campionweeks.com

Carla Dochterman Chris Shephard

$69,900

Much character & charm in this super 2 BD, 1.5 bath home. Updated kitchen, original woodwork. Garage. MLS#1100452 www.Campionweeks.com 735-8515

MaryBeth Roberts Michael Grassi

Pat LoGuidice

Paul Durrigan

Rosemary Nicotera

Ruth Fanelli

Sabrina Arcuri

Tom Conte

Tom Mazzotta

Wade Evans

Jerry Orsaeo

Jonathan Smoulcey

L i f e and H o m e s

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Great 2 family w/ many updates. 2 BDs in each apt. Separate utilities. 2 car garage, carport. Whitesboro schools. MLS#1003693 www.Campionweeks.com 735-8515

Whitesboro

735-8515

Whitesboro

Azza Giorgi

South Utica

$69,900

Lovingly updated 4 BD, 2 bath home with large workshop or garage. DR. Must see interior. MLS#1100454 www.Campionweeks.com

735-8515

New Hartford

$86,900

West Utica

$62,500

Well maintained 3 BD ranch. Updates, vinyl siding, enclosed porch. Attached garage.

Nice 4 BD, 2 bath home. Lge LR, DR. Updated windows, siding, roof, etc. 2 car garage.

MLS#1100550 www.Campionweeks.com

MLS#1003535 www.Campionweeks.com

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

735-8515

West Utica

$44,900

Great 4 BD 2 story w/ spacious rooms. DR, newer vinyl siding. Garage. Near the park. MLS#1100303 www.Campionweeks.com

735-8515

Tom Koehler Real Estate Mini Country Estate / Brand New Modular Ranch Investment Property $369,900 Any Location $57,995

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 9 Extra Large building lots, plus a stocked ﬁsh pond. Snowmobile & ATV trails, great for horses. All this at a bargain basement price of $369,900. Interested call 315-891-3254.

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. Middleville, NY: 5 acre, premium building lot, large stocked pond, snowmobile/ATV trails, private community, $24,900 on site financing. Interested call 315-891-3254 Old Forge Ranch Home: 5 bedrooms, finished basement. Seller financing. $229,000. Interested call 315-891-3254 Old Forge: 2.2 Acre building lot approved for 2 homes. Lake Rights. $69,900 Interested call 315-891-3254

315-891-3254 Brand New Modular Colonial Any Location $93,895

Land Steal - 50% off! Building Lots $14,900

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.

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”

Quality Stick Built Modular Homes

315-891-3254

Herkimer County, NY: New construction, colonial, 3 bdrm, 2½ bath. 1900sq/ft, 5 acres, $189,900 Interested call 315-891-3254

Mark Canter Call Azza 315-794-3452 Campion Weeks = SOLD + Weichert 141 Genesee St., NewRealtors, Hartford Fairfield, NY: Building lots, 50% off, on-site ﬁnancing. Interested call 315-891-3254

www.campionweeks.com

Buying Or Selling?

Campion-Weeks Kayuta Lake

Experience Exceptional Service! Call Azza Giorgi @ 315-534-2709

$429,900

$325,000

MLS #1100471 Charming early home w/ a picturesque setting on 4.6 Acres. Spacious rooms w/ ample storage. Numerous updates. Hdwds, circular driveway beautiful landscaping. Barn, guest cottage and other out bldgs. Enjoy a peaceful setting w/ convenience of todays world.

April

MLS #1100462 Fabulous Adirondack home overlooking 474’ of waterfront. 5 Years old w/3700 s/f of living space situated on 7+ acres of privacy. Boating to Kayuta Lake & snowmobile trails @ your door. Docking sys. to hold 2/24’ boats & 2 watercrafts. Open concept design. Lr w/10’ windows, spectacular views.

New Hartford

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$189,500

MLS #1002195 Spacious cape in desirable herthum heights.Oversized master suite. Lr, dr w/ fp,hardwood ﬂrs. Newer kit., Windows and bath. Nice yard overlooking neighborhood park.New driveway 2010, new central air 2010, new hw tank 2010. Hardwood ﬂrs. Under carpet in lr/dr.

www.Life and Homes .com

L i f e and H o m e s

Whitesboro

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

$69,900

St. Johnsville

$78,500

Ft. Plain

$169,000

St. Johnsville

$40,000

Great home for first starter. Lovely neighborhood, close to park and walking distance to Main Street. House has been done over from top to bottom. Oﬀ street parking with one stall garage. Call Debbie Sicilia 518-495-5770

Ranch style home in a nice neighborhood. Open kitchen/ dining room with 3 bedrooms. Hardwood flooring with carpeting in bedrooms. Close to school, and store. Above ground pool, 2 stall garage needs some work. Call Debbie Sicilia 518-495-5770

$59,800

This 3 bedroom and 2 bath ranch style doublewide would be a great first home for the growing family.The large living room includes a gas fireplace,kitchen has an island and eat in breakfast area.The sliding glass doors from the dining area lead to a new deck that is handicapp accessible. Call Heidi Mouyos 315-717-7269

A very nice Ranch style home, in the country but just a few minutes from the Village of St. Johnsville. This property has two large lots, a detached two stall garage and a very large Quonset Hut/Barn. Call Bob Snell 518-321-9897

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. Also has a large yard and concrete driveway. 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

Central New York

Utica

New Location 3985 Oneida St, New Hartford, NY 13413

$75,000

Utica

$50,000

This house was converted from a 2 family + store front to a one family home. Oﬀers 6 bedrooms, 2 full baths & 2 1/2 baths. Some hardwoods, tile, 2 large walk in closets, 2 newer furnaces, newer roof, new garage door w/opener. Great house for a large family. MLS # 1100601

Great income property in West Utica. Newly painted exterior. Interior is very well maintained, and both apt’s are rented. MLS # 1100542

Utica

$95,000

Nicely maintained house in popular N. Utica neighborhood. Oﬀers 3 BRs, 2 baths, full basement partially finished w/party room. Some hardwoods, vinyl, & w/w carpet. Great starter house for family. Elementary school close by. New electric service March 2011. MLS # 1100677

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L i f e and H o m e s

315-733-5394

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 .

$124,900

This spectacular Colonial Home is waiting for a family to move in. Oﬀering 5 bedrooms, 3 full baths and 1/2 bath. 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

Finding the Right Mortgage and Lender Choosing a home and applying for a mortgage in this market can seem a daunting task, especially with all of today’s options and constantly changing news on rates, rules and credit. We’ll help you get started with the basicsinformation and terms you’ll need to know as you enter the home buying (or refinancing) market. Of Interest Of course, one of your first concerns is the interest rate you’ll get on your loan. How are rates determined? They fluctuate based on a variety of factors, including inflation, the pace of economic growth, and Federal Reserve policy. Inflation tends to have the largest influence; modest inflation generally leads to lower interest rates, while rising inflation normally causes interest rates to rise. The Federal Reserve, our nation’s central bank, implements policies designed to keep inflation and interest rates relatively low and stable. In addition to interest rates, you should consider closing costs, and the kind of lender with which you want to work.

Details, Details There are many details to consider. What size mortgage can you handle on your income?

To cut through the confusion, choose a friendly, helpful lender with your best interests in mind (preferably one that has a loan officer in the branch to whom you can speak). Do your homework upfront: visit their website to get all the information you can, and if they have online calculators, try them out to get ballpark figures. Write your questions down beforehand, and be prepared to take your time to get all of them answered. Buying a home is a big step emotionally and financially. If you work with a reputable and helpful lender, it will be a rewarding experience as well. Copyright. Used with Permission. Article provided by First Source Federal Credit Union. 315-735-8571. Visit www.fsource.org.

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

Financial Services, Inc.

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Licensed Mortgage Banker • NYS Banking Department

Adam Hearty TEXt: Hearty 508-315-9967

315-404-5253 Mortgage Originator

LoWEST

Rates in the Area!

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

www.Life and Homes .com

L i f e and H o m e s

The higher your credit score the better, but remember this is not the only measure used.

ARMed and Ready? The primary mortgage categories are fixed rate mortgages and adjustable rate mortgages (ARMs). A fixed rate mortgage locks you into a fixed payment every month, on a regular schedule, until the principal (cost of the home) and interest are fully paid. The most popular terms of payment are 30 and 15 years. An adjustable rate mortgage offers a lower initial interest rate, but with a trade-off: the rate can change periodically, usually in relation to an index, and the monthly payment will go up or down accordingly. Rising interest rates could lead to higher monthly payments in the future. If your income is likely to increase in the future or if you only plan on being in the home for three to five years, an ARM can be an attractive choice.

Should you pay discount points in exchange for a lower interest rate? How much money (if any) do you need to put down at closing? Will you save money with a shorter term mortgage? What taxes, fees and insurance are required? And so many more.

April

What’s the Score? A credit score is one of the primary pieces of information used to evaluate your application. Financial institutions have only recently begun to use credit scoring to assist with their mortgage loan decisions. Credit scores are based on information collected by credit bureaus and information reported each month by your creditors about the balances you owe and the timing of your payments. Some of the things that affect your credit score include: your payment history, outstanding obligations, the length of time you’ve had outstanding credit, the types of credit you use, and the number of inquiries made about your credit history in the recent past.

Many lenders make decisions based purely on “the numbers” -your credit score, income, assets and liabilities - while others will take into account your personal situation as well.

Central New York â&#x2013;

L i f e and H o m e s

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 .

LifeandHomes

Rentals & Open Houses

Heated Storage Space

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

Sylvan Beach

90.00 for 10x10 or .90/sf for up to 2200 sf on level one • 75/month for lower level heated space for 10x10 • 40/month for 5x7. Whitesboro

Call Dan 269-7034

Apartments for RENT

Rent

Myers Management

525-6291

TEXt: 32685 508-315-9967 503 16th Ave

1, 2 or 3 bedroom apartments - Utica Area

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

TEXt:

Oneida County Real Estate Investors

Tony 508-315-9967

Steve Ruscitto • 315-761-7277 Investor • steve@cnyres-q.com

Sylvan Beach

some utilities included starting at $500/month

Lots for Rent

Rent To Own

TEXt: 32684 508-315-9967 1314 Vienna Rd 2 Bedrooms / 1.0 Baths - Seller Financing For more details visit www.LifeandHomes.com Type in Quick Search #32684

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

Rome

$62,000

April ■

2 Bedrooms / 2.0 Baths - Seller Financing For more details visit www.LifeandHomes.com Type in Quick Search #42517

Don Kingsley Real Estate

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

TEXt: Lot 508-315-9967

www.Life and Homes .com

L i f e and H o m e s

308 River Road - Open House April 17, 11-2 p.m.

Home Service network

exclusive Members That Have Shown exceptional Customer Service

The Missing Pieces to a Hassle-Free Home Heating

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

additions, Carpentry. General Contracting. electrical Work. Log Homes, Basements, Custom kitchens, additions, Carpentry. General Contracting. electrical Work.

Closets THE HEARTH SHOP @ UNIV. BLDG SUPPLY 315-337-3340 easy Track Closet Systems - estimates, Design, 315-732-2350 Installation.The More economical, easy InstallaMember Since 02/08

Member Since 04/11

of homeowners will receive a free energy audit. Comprehensive home assessment.

Excavating BCS EXCAVATING 315-841-3573 Deansboro • Servicing CNY. Bobcat and mini Member Since 03/06

THE HEARTH SHOP @ UNIV. BLDG SUPPLY 315-337-3340 CNY’s Source for Warmth! Fireplaces, stoves, 315-732-2350 inserts,logssets - biofuels, gas, pellet or wood. also Member Since02/08

mantles, custom stone work, custom hearths. Free estimates.

Flooring

Member Since 09/07

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

Furniture

Member Since 11/07

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at affordable Prices. See our great selection of Tables, Chairs, Hutches, Bookcases, Bedrooms, and much, much more. www.IronwoodCNY.com

Member Since 07/08

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

SHIRE INSPECTION SERVICES, INC Performing quality inspections at a reasonable 315-420-2832 Member Since 01/09

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

Insulation

TEXT: Shire To: 508-315-9967

ENVIRONMENTAL CONTRACTING 315-269-7900 Serving CNY. Specializing in Spray-On-Foam. Fully Insured. energy Saving Beneﬁts. Free estimates

Insurance LIBERTY MUTUAL 315-732-6000 I’ve helped people save hundreds of dollars and I’d x53538 like to help you too. Multi Policy Discount • Special Member Since 09/10

Group Discount • accident Forgiveness • New Car Replacement • 24 Hour Claims assistance

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

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

structural, mechanical, plumbing, radon, & water.

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

IRONWOOD FURNITURE 315-853-7300 Serving CNY. Quality amish Solid Wood Furniture

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

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

Member Since 09/07

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

Central New York

COUNTRY SUBURBAN HEATING & AIR CONDITIONING 315-735-5300 Country Suburban will do “Whatever it

excavator, Septic, Sewer,Trenching, Posthole Drilling, Demolition

Fireplaces & Stoves

Member Since 09/07

Heating equip. Propane in Oneida County. www.SuperiorPlusenergy.com

Home Inspection

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

L i f e and H o m e s

Member Since 09/07

tion System on the Market.

Energy

Member Since 05/10

MOHAWK HOME COMFORT SERVICES 800-432-8669 Heating Oil, kerosene, Diesel, Gasoline &

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

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

tion of kitchen Design Center & Custom Stair & Millwork.We handle Yorktowne & kraftmaid Cabinetry

Log Homes

CEDAR HOMES OF DISTINCTION 315-824-1571 We have our own Crew with over 25 Years experiMember Since 05/10

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

Modular Homes NEW HOMES MODULAR CO 315-891-3254 Serving CNY. “The Best Homes at the Best Prices.” Member Since 06/07

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

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

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

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

Design & installation of the ﬁnest and most durable Radon Reduction Systems available. NeHa #105678RMT

TEXT: Radon To: 508-315-9967

Stone & Landscaping Products MADDEN CONCRETE & MASONRY SUPPLY 315-724-8111 Retaining Walls, Patios, Mulch & Stone, Fire Pits Member Since 03/08

& Places, Masonry Tools, Decorative Stone. Call Today For all Your Landscaping Needs.

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

Dependable Service for 20 Years.

TEXT: Treen To: 508-315-9967

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

Waterproof Solutions. Foundation Repair. www.wilcoxbasement.com

Laura Minard

4957 Commercial Drive Yorkville NY

768.1680 Ext. 205 525-1974 Cell

Featured Homes

Colonial Square Nearly Complete!

$104,900 North Street - REDUCED! Move in ready 3 bedroom home with Super size family room with ﬁreplace, formal dining room, 1st ﬂoor laundry, deck, fenced yard, 3 car garage Plus a 1bedroom 1.5 bath apartment. Use as in-law or rental. Or turn it all into one big home.

Spring is Here!

Time to get that new home you have been dreaming about! Many ﬂoor plans to choose from or we can design the perfect home for you.

New Construction Buckland Estates from $269,900

Several locations available or I can find the perfect lot for you.

Colonial Square from $199,900

Been house hunting lately? Do you keep saying ‘If I could have the kitchen from this one, the bath from this one and move it all over here?’ Build it and you can have it all!

Nearly Complete 3 Bed, 2 Bath Ranch Upgrades galore $329,900 3 Bed, 2 Bath, 2 Car on full basement! Twin Home ready now! 2 Bed, 2 Bath, 1 Car- Radiant Floor Heat Twin Home! 3 Bed, 2 Bath, 2 Car Detached Home full of luxury features.

Newest Model Open!

Colonial Square

Why settle for a less than perfect home when you can have one perfectly designed for you? Have the floor plan you dream of. Make it a reality now. Call for the time and location of this week’s open houses!

Symphony Place Whitesboro. You have admired this home and now it can be yours! This custom home & setting is picture perfect. Exceptional quality built home with the recent upgrades, this home only needs your furniture to be your next home. If you demand it all then take a look! 3200 square feet, 4 bedroom, 2.5 baths, 3 car garage, new custom kitchen, hardwoods, carpet and the most amazing Master Bath. Total gas & electric average under $220/ month.

Buckland Estates

Ready Now!

Colonial Square

Westmoreland Available Now!

Ready Now!

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

190 Main St • Whitesboro • $269,000

521 Doe Rd • Bridgewater • $189,500

Privacy,comfort and convenience all in one beautiful log home on 5.2 Acres in Covered Bridge Estates. 4 Fp and woodstove, Corian Countertop, breakfast island, new hot tub, all hardwood floors, fp in master bedroom. New 2 car + garage added late 2010. MLS: 1002415

220 W Main St • Frankfort • $132,500 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

MlS: 1003179 - 433 Briarcliﬀ Ave, MLS: 200702937 - Ives Road MLS: 1100362 - 1257 Mummery St, North Utica $99,900 East Utica $73,500 Marcy $25,000 MLS: 1000722 - 5645 Ottman Road, MLS: 1003611 - Doyle Road, MLS:1100346 - 1680 Seymour Ave, Vernon $155,000 Deerfield $30,000 E. Utica $45,900 MLS: 1002673 - 1315 Oswego Street, MLS: 1003126 - Doyle Road, MLS: 200701540 - Paris Road, Brookfield $19,500 West Utica $44,900 New Hartford $79,900

www.Life and Homes .com

L i f e and H o m e s

MLS: 1100300 - 2028 Tilden Ave MLS: 1100035 - 9077 Cemetery Rd, New Hartford $499,000 Steuben $102,900 MLS: 200702688 - 2002 Mulholland Rd, MLS: 1001246 - 613 N Madison St Vienna $349,999 Rome $120,000 MLS: 200801201 - 825 Albro Rd MLS: 1003494 - 9614 Morgan Road, Hamilton $189,500 Clayville $108,900

RT 20 & 46 • Bouckville • $167,500

The Cobblestone Store was built in 1844 as a harness and wagon shop. It later became a tavern, then the Pinewoods Hotel, and then a grocery store. In 1987 it became a multi-dealer antique shop located in Pine Woods 1 mile west of Bouckville at the corners of rt 20&46. Also includes 2 rental apartments. MLS: 1002567

Broker/Owner

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6761 Crooked Brook Rd • Deerfield • $289,900 This home features a geo thermal forced air heating system with central air. Kitchen with island, oak cabinets, silestone counters & GE appliances. Stone fireplace burns wood master with jacuzzi in master bath. Attached 3 car garage, chain link fenced yard on 11.6 acres in Whitesboro school district. MLS: 1000366

Art VanVechten

April

Beautifully updated & meticulous colonial home. 2 Apts. Upstairs comes fully furnished; produced great income as corporate housing. 1st floor studio apt. Large flat with oversized bright rooms, fireplace, professionally designed architectural brick accents throughout. This is a must see! MLS: 1100647

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

Central New York â&#x2013;

L i f e and H o m e s

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 .