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Life and

Homes

What’s not to love about May? It’s the month when everything seems to revive, come alive. May’s the time for sprucing up the lawn, putting the furniture back on the deck, cleaning the garage, tuning up the mower. You have to admit, there’s something especially exhilarating about those those first warm days and comfortable evenings. May is a “we’re not quite there, but we’re headed in the right direction” kind of month.

Buyers and sellers have their eye on the spring market, hoping April’s slight upswing continues and even escalates. With the possible exception of military members, (Tax Credit Extended for Military Members, pg 3), the first-time homebuyer tax credit has ended, leaving us to wonder how the local market will react.

A survey of real estate professionals indicates the majority, 77%, expect housing prices to remain the same - (Is It Time to Buy?, pg 4). Stable market prices and decent interest rates may help keep the real estate marketing moving forward this summer. It’s an opportune time to head out and take a look at what’s on the market.

Oneida County NY, Edition Published By LifeandHomes Publication Franchise RMC D avid P. Lisi Corporate Editor Kim Lisi Kim@dslisi.com

How to Reach Us Press Releases or Letters to the Editor Our e-mail address is Kim@LifeandHomes.com

David P. Lisi , RMC

This issue of LifeandHomes showcases local business services and features Real Estate Marketing Consultant for sale listings from Realtors, Investors, For Sale By Owners, Contractors, 315-865-5845 • David@dslisi.com Manufactured Home Builders, Developers, and Commercial Developers. Browse through the property listings, articles and helpful resources, then visit www.LifeandHomes.com our online, all-inclusive listing service, and use the easy search options to see even more properties.

While May gives us plenty of reasons to celebrate, there are a few days that really stand out. Mother’s Day is May 9th. If you’re fortunate enough to still have her with you, take time to honor your mother. Memorial Day, May 31, is a day set aside to remember those who have died in military service. I’ll be sending out a salute to my friend John that day. We will never forget, buddy. I hope you’ll also remember to pay tribute to our troops on Armed Forces Day, May 15th, the day we have the welcome opportunity to pay special tribute to the men and women of the Armed Forces.

i David P. Lis

Make time to remember, honor and pay tribute. It keeps us all headed in the right direction.

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

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Central New York

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Roger Guerrieri 315-533-7160 Mortgage Originator

Adam Hearty

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315-404-5253 Mortgage Originator

Financial Services, Inc. Licensed Mortgage Banker • NYS Banking Department

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LifeandHomes is published monthly by Lisi Merchant Solutions, Inc. Every effort has been made to ensure that home listings, advertisements and information are free of errors or omissions.

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

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

Copyright © 2010 Lisi Merchant Solutions, Inc.

Backyard

Summer Safety Before summer’s in full swing, make sure your backyard is ready for the season’s get-togethers and activities.

QBE Regional Senior Vice Charles Valinotti recommends:

President

* Do a deck check — Make sure your deck is secured to your home by heavy-duty steel bolts specially designed to secure wooden structures. If your deck is simply nailed or screwed on, it could pull away from the house. Treat and seal the deck if necessary. * Inspect your play area — Your backyard swing set and other playground equipment should have plenty of shock-absorbing materials — such as wood chips or sand — underneath and on the perimeter. Replenish those materials if they look skimpy. * De-clutter — Put away toys, tools and lawn equipment. * Clean before cooking — Before firing it up, give your grill and its grates a good cleaning with soapy water. * Invest in extra protection — Buy a grill pad or splatter mat to place under your grill. These naturally heat-resistant pads made of composite cement or plastic will catch grease that misses the drip pan and help prevent a flare-up. (ARA)

* Organize with boxes and colored markers.

Contact your local Two Men and a Truck moving company to purchase a variety of box sizes before you begin so you can appropriately tag and box both items that stay and those that go along the way. * Think about donating to those in need. If a garage sale isn’t of interest, consider donating to local churches or synagogues, homeless shelters or the Salvation Army.

For more moving advice, visit www.twomenandatruck.com. (ARA)

Is It Time To Buy?

A HomeGain survey conducted in March 2010 shows 77 percent of real estate professionals nationwide think home prices will either stay the same (48 percent) or decrease (29 percent) in the next six months.

Top 10 States Where Real Estate Agents and Brokers Think Home Prices Will Go Down In the Next Six Months: Minnesota (82%) Oregon (65%) Illinois (54%) Utah (50%) Michigan (42%) New Jersey (44%) Nevada (43%) Connecticut (42%) Washington (35%) New York (35%)

Mosquito Season Many regions of the country are experiencing an unusually warm and wet spring – a weather pattern that is likely to foster an earlier and more severe mosquito season, the National Pest Management Association (NPMA) warns.

The NPMA is asking homeowners to take action now to eliminate potential breeding sites for mosquitoes on or around their properties.

NPMA offers these tips to protect homeowners from mosquitoes: • Eliminate sources of stagnant water including birdbaths, “kiddie” pools, swimming pool covers, barrels, and other objects that collect water.

• Add a fountain or drip system to birdbaths and ponds on your property to keep water fresh.

• Keep windows and doors properly screened.

• Be alert when outdoors during dawn and dusk hours, when mosquito activity peaks.

• Avoid wearing loose-fitting clothing, open-toe shoes and sweet-smelling perfumes or colognes when outdoors.

• Plan ahead for spending time outdoors and wear mosquito repellant with DEET. • If you have a mosquito infestation on your property, call a pest professional for additional advice and treatment.

For more information or to find a professional in your area, please visit: www.pestworld.org.(NAPSI)

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L i f e and H o m e s

later in life - not to mention second marriages more often the modern dilemma is whose couch stays and tallying how many flat-screen TVs the couple has between them.

* Try your best to remove emotional attachments simply because it is yours.

Realize that the more you streamline now, the easier your move will be.

Stage Set For Early

■

Because today’s first marriages are occurring

* Go through each house together, and identify which items are duplicates. If you can legitimately use two of something in your new life, such as televisions or stereos, go ahead and keep both.

Sixty-three percent of surveyed agents and brokers indicated that their home buyer clients think homes for sale are overpriced. Seventyseven percent indicated that homeowners think their home is worth more than their agents’ recommended listing price. (www.homegain.com)

May

Tips for Combining Households

The pros at Two Men and a Truck moving company offer couples some advice for combining households:

Proper Landscaping

Reduces Cooling & Heating Costs According to the U.S. Department of Energy, the typical family spends about $1,900 a year on home utility bills. And each year, electricity generated by fossil fuels for a single home puts more carbon dioxide into the air than two cars.

Proper insulation, weather stripping, caulking and using a programmable thermostat will help save money. Trees, shrubs and plants will make a difference, too.

In fact, the government says shading from trees can reduce surrounding air temperatures as much as 9 degrees. That saves you money on your air-conditioning costs. Shrubs placed near the base of your house can lower the wind chill near your home in the winter. Trees and shrubs additionally absorb carbon dioxide and release oxygen into the air.

Things to consider: • Check with your local nursery or cooperative extension service for advice on the best trees for your home and your specific needs. For example, you shouldn’t plant an ash tree in an area that’s under quarantine from a devastating insect called the Emerald Ash Borer.

Central New York

• Deciduous trees, the kind that have full canopies during the hot summer months, should be planted on the east and west sides of your house to help keep it cool in the summer and allow the sun to shine in the windows in the winter.

L i f e and H o m e s

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• The Department of Energy says shading your air-conditioning unit can increase its efficiency by as much as 10 percent.

• Plant trees a minimum of 10 feet from your house to prevent overcrowding or damage to your home from roots.

4

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

newsShorts • Space your trees and shrubs according to what they’ll look like when fully grown, not what they look like now.

“Trees are investments that need protection from destructive insects like beetles and borers,” says Lance Walheim, Bayer Advanced™ Garden Expert and co-author of “Landscaping for Dummies.” “Preventing insect problems can save your trees and save you money in the long run.”

Bayer Advanced Tree & Shrub Protect & Feed kills insects and prevents new infestations for up to a year with just one application. It also contains a slow-release fertilizer to strengthen your tree. Be sure to read and follow all label directions. (Product not registered in Long Island, NY.) Visit BayerAdvanced.com for more tree care information and how-to videos or call (877) BAYERAG. (NAPSI)

period beginning after Dec. 31, 2008, and ending before May 1, 2010.”

Seek professional advise to assure qualification before making a purchase. (Source irs.gov)

Five “Keys” to

Homeownership 1. Obtain a credit report.

2. Establish a budget.

3. Secure a down payment.

4. Understand mortgage options.

5. Get pre-approved.

Tax Credit Extended for Military Members The first-time homebuyer credit, which required homebuyers to buy a home on or before April 30th, hasn’t ended for everyone according to the IRS. They report that, “Members of the military and certain other federal employees serving outside the U.S. have an extra year to buy a principal residence in the U.S. and qualify for the credit.

Thus, an eligible taxpayer must buy, or enter into a binding contract to buy, a principal residence on or before April 30, 2011. If a binding contract is entered into by that date, the taxpayer has until June 30, 2011, to close on the purchase. Members of the uniformed services, members of the Foreign Service and employees of the intelligence community are eligible for this special rule. It applies to any individual (and, if married, the individual’s spouse) who served on qualified official extended duty service outside of the United States for at least 90 days during the

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Homes by Barden & Hayward Builders From $280’s

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May

$111,000 Ilion 5 Shull St - Like Buying New!

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newsShorts

Help for the Remodeling Challenged Thinking of remodeling but don’t know where to start? “Whether you’re an expert do-it-yourselfer or this is your first home improvement project, the Internet can be an excellent resource,” said Danny Lipford, host of the nationally syndicated television show, “Today’s Homeowner with Danny Lipford,” and frequent contributor to “The Early Show” on CBS. “And the tools available on the Web just keep getting better and better - with educational videos, downloadable shopping lists, budget and return-on-investment calculators.”

Getting started: The ABC’s of ROI With a project as daunting as remodeling a home, sometimes the most difficult part is just getting started.

The key? Prioritizing. Start your renovation by concentrating on the rooms you use the most and offer the best return on investment (ROI): your kitchen and your bathroom.

According to Remodeling Magazine’s 2010 Cost vs.

Value report, homeowners will recoup the greatest share of their costs by foregoing super-deluxe projects in favor of mid-range kitchen and bath remodels. A mid-range kitchen remodel brings an average 72.1 percent return on investment and a mid-range bathroom project has an average 71 percent cost recovery.

L i f e and H o m e s

■

Central New York

Budget-minded enhancements A “mid-range” kitchen or bath remodel sounds great on paper - but what types of projects does that really entail? Realtor magazine offers a few budgetminded enhancements to consider when remodeling: * Add or replace tile - Purchase low-cost tiles to replace a dated backsplash or add a new one. * Install granite tile instead of a slab - While granite kitchen counters are extremely popular, they can be a $5,000 upgrade. Instead, put in 12-inch granite tiles for as little as $300 in materials. You’ll get the same impact for less. * Freshen up your bathroom. This is a room that can be refreshed with little effort: try simple updates like regrouting tile or reconditioning cabinets. These small upgrades can make a big impact.

Or, if you want to tackle something a little larger nothing makes a style statement like a new bathroom faucet. The new Method bathroom collection from Moen features clean lines, soft curves and a 6

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 .

sophisticated, modern look. And not only does the Method collection look great, but it’s eco-friendly, as well - meeting WaterSense criteria and offering 30 percent water savings, without sacrificing performance.

Planning on the World Wide Web Now that you’ve decided on the projects you’d like to undertake, it’s time to begin the planning process.

Begin by looking at everything from current trends and style options to the nuts and bolts of estimated budgets and time to completion.

In the kitchen Websites like dannylipford.com are a great place to get ideas and support from fellow homeowners.

The site DIYnetwork.com gives visitors an overview of a variety of kitchen projects, with step-by-step instructions, a list of the materials needed and the products their designers recommend. And, there’s a time frame, price range and difficulty level listed for every project, helping you to choose a kitchen remodel that’s doable for you.

In the bath Moen’s website is another great resource and features many design and planning videos to help inspire homeowners. The site even offers an interactive faucet selector tool, which helps you choose the right faucet for your space. Simply answer a few questions about your decorating style, how much you’d like to spend and which finish and features are important to you. Another way to stay up to date in the remodeling world is by signing up for Moen’s At Home eNewsletter, which provides trends and ideas for your home.( ARA)

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New Hartford $439,000

New Hartford $379,000

Little Falls

Masterpiece with over 5,000 square feet of luxury amid 15 acres with dramatic views. Deluxe amenities throughout.

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$239,000

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This 3 bedroom, 2 bath ranch boasts open floor plan, updated kitchen, family room addition and living room with fireplace.

May ■

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L i f e and H o m e s

#1 Coldwell Banker in New York State

PRIME PROPERTIES

Clinton

$559,500

Luxurious new construction with 4 bedrooms, study with fireplace, deluxe kitchen and hardwoods. Fine quality throughout.

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$264,900

Unique updated residential Victorian plus 2 family home! 2,846 sq/ft, 5 spacious BR’s, beautiful open kitchen, 9.6 rural acres.

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Central New York

Clinton

$219,500

Nothing to do but move in. Owner has done it all for you. Check ot the web site at www.128fountainview. com for all the exciting details.

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Little Falls

New Hartford

$264,900

Want no maintenance, upscale features in a home then this is for you! 3 bedrooms plus office with master suite on 1st floor.

List of features is impressive. Come see!

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Clinton

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Seller is offering a $10,000 redecorating allowance. WOW !! What a deal. Over 2,700 SF. Check out the web site www.3338stateroute12b.com You will love it.

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Sauquoit

$349,900

2,152 sq/ft 4 bedroom updated farmhouse, many outbuildings, 78 acres with incredible country hillside views, riding trails.

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Russia

$239,900

Classic 3 BR federal style home set on park like 3.8 acres! open kitchen, loft, sunroom, 4 fire places! large barn & workshop.

Richard Parent Ext. 203

Mohawk

$199,000

Convenient village location with municipal power. Expansion possibilities for 3rd floor master suite. Heated garage w/6 car parking, game room and workshop.

Debbie Roberts Ext. 239

Clinton

$309,900

Amazing ranch with all the updates!

Living room w. gas fireplace, kitchen has stainless appliances, 5 bedrooms 3.5 bath and much more.

Jodie DeCosty Ext. 201

Westmoreland

$239,000

Priced to sell! First floor master suite, spacious kitchen, 2-story entry, cathedral ceilings, hardwood floors on 3.4 acres.

Gaetano Belmonte Ext. 202

Lee

$189,900

3Br, 2Ba home w/many updates & improvements; includes new hardwoods & laminate flooring, updated baths, new dishwasher, range, disposal, new walkway, & new shed.

Jan Cidzik

Ext. 209

Deerfield

Deerfield $229,900 302 Tumbleweed Dr Exceptionally well maintained home.

Opper Kitchen w/island & appliances, formal dining, living, family room w/ stone fp. Spacious bdrms, multi level deck.

Laura Minard Ext. 205

New Hartford

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$220,000

Spacious 4 bdrm 3 bath beautiful home.

Formal living and dining rooms, kitchen with a slider that leads to the deck.

Laundry area located in basement.

Lisa Filetti Ext. 206

Westmoreland

$179,900

Completely renovated; located in a quiet small town with great school district.

Original woodwork and hardwoods throughout. Fireplace in LR, modern kit.

Scott Kelley Ext. 242

4957 Commercial Drive Yorkville NY

Call 768.1680 8

$279,900

Executive Cape on 2 acres. First floor master suite, hardwood floors, fireplace, formal dining room and much more!

Gaetano Belmonte Ext. 202

Home Highlight

■

L i f e and H o m e s

$379,000

Limestone house and barn with sweeping views. Stunning! Hardwood floors, updated bathrooms and open kitchen area.

Gaetano Belmonte Ext. 202

West Winfield

$176,000

Pristine ranch, stunning updated kitchen, dramatic family room, vaulted ceilings, lower level family room, bar & much more.

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Vernon

$149,900

Ready for immediate occupancy! New Septic and water lines and tons of updates in this 3 Bedroom 1,400 SF Ranch. Web site: www.4902stateroute5.com for details.

Kathy White Ext. 215

Rome

$89,900

Adorable cape home on 2+ acres. Many updates. With working fireplce, sunroom, hardwood floors. Interior being painted just bring your furniture and move in.

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Clinton

$174,900

Definitely not a driveby! Updated throughout, offers eat in kitchen, formal living & dining rooms, family rooms, 4 bedrooms, 2.5 Baths.

Jodie DeCosty Ext. 201

Marcy

$149,900

Updated farmhouse on 5 beautiful acres. Featuring 4 bedrooms, loft, country kitchen with woodstove, sunporch with view.

Gaetano Belmonte Ext. 202

Herkimer

$79,900

Not a drive by! Deceivingly spacious 3 bedroom, 2 full bath home. Many updates including oversized baths, flooring, deck, and mostly new windows.

Diana Raymond Ext. 207

Whitesboro

$172,500

Craftsman period home constructed in 1905. Enjoy entertaining in the lower level or amongst the elegant woodwork & hardwoods on main level.

Gloria Rocci Ext. 217

Vienna

$275,000

3,543 Sq Ft. log cabin on 25.81 Acres, w/ five bdrms, 2 baths, a large master suite with an attached sun room and private bath, 3 car detached garage, & deck.

Ryan Kirch Ext. 222

Utica

$69,900

Clinton

$169,900

Charm & character preserved yet updates tastefully done. Eat in Kitchen w/new appliances & counters, formal dining & living, 3BR, 2 baths.

Jodie DeCosty Ext. 201

Utica

$135,000

Charm and character in this surprising 3bd, 2 ba home with open floor plan and new kitchen!

Updated front porch, electrical, plumbing, insulation, paint, and 14 new windows!

Jan Cidzik

Ext. 209

Utica

$62,000

Brand new gleaming hardwoods!

Beautifully maintained home, priced to sell. Must see!

Great income property! Apartments are already occupied. Close to schools. Must see!

Yulanda Robinson

Yulanda Robinson

Ext. 211

Ext. 211

New Hartford

$159,900

Delightful, old-style Colonial in Meticulous shape. Classic design with numerous updates, gleaming hardwoods, working fireplace, updated kitchen with Formal DR. Scott Kelley Ext. 242

Sauquoit

$114,500

Priced to sell! Two cute houses on one lot. Won’t last long make your appointment today.

Lorene Prenderville

Rome

Ext. 213

$61,900

3 bdrm, 1 bath home with Breakfast Area & DR. New kit and bathrm floors. Newer windows, roof, water heater, bath cabinets, & light fixtures. Deck & above ground pool.

Jan Cidzik Ext. 209

May ■

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Owner • vtr2000@earthlink.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Ava

Licensed Mortgage Banker NYS Banking Dept

Chadwicks

$5,000

$190,000

9551 Mullen Hill Road

3590 Oneida Street

Lot for Sale

3 Bedrooms / 2.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #41359

Oneida County - FSBO

Hunt For Homes

Phyllis Goworek • 315-335-2745

Jean Hunt • 315-725-4700

FSBO • 0@0.com

Broker/Owner • JeanHunt1@adelphia.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Ava

Licensed Mortgage Banker NYS Banking Dept

Cleveland

$269,000

$250,000

4969 W Ava Road

308 Drive 30 - North Shore Oneida

2 Bedrooms / 1.0 Baths

4 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41357

For more details visit www.LifeandHomes.com Type in Quick Search #41306

Joe DiMaggio • 315-337-6070

Terry G. Schaal • 315-264-1518

Mark 1 Real Estate

Schaal Real Estate

Broker/Owner • jdimaggio@gurbr.com

Lic. R. E. Representative • schaaltg@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Licensed Mortgage Banker NYS Banking Dept

Ava

$174,900 6945 Stokes Westernville Road

Clinton

3 Bedrooms / 2.0 Baths

3 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41210

For more details visit www.LifeandHomes.com Type in Quick Search #41182

Joel Siegfried • 315-793-7580

Barbara Frank • 315-853-4400

SBG Realty

Clinton Real Estate

Broker/Owner • info@sbg-realty.com

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Camden

$299,000

15 Kellogg Street

Licensed Mortgage Banker NYS Banking Dept

Clinton

$45,000

$149,900

NYS Rt 13

3804 Fountain Street

19+ Acres

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41305

For more details visit www.LifeandHomes.com Type in Quick Search #41180

Terry G. Schaal • 315-264-1518

Barbara Frank • 315-853-4400

Schaal Real Estate

Clinton Real Estate

Lic. R. E. Representative • schaaltg@aol.com

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

In today’s real estate market, you need to work with a company you can trust that has professionals you can rely on. Whether you are buying or selling your primary residence, a second home, or relocating to a new neighborhood, RE/MAX Realty Results can help make your homeownership dreams come true.

RE/MAX Realty Results

Joseph R. Carucci Real Estate

600 French Road New Hartford, NY 13413

Phone: 315-733-0463x227 Cell: 315-723-5584 Email: mclark@prudentialcarucci.com

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

NAHI

Don Archer

NRPP

Call 315-792-9029

Phone: 315-732-2336 Web: www.Remax-RealtyResults.com

http://www.advancedhomeis.com www.Life and Homes .com

11

L i f e and H o m e s

I Have The Key To All Your Real Estate Needs!

Call Me Today...

Realtor

Advanced Home Inspection Service LLC ■

Olga Grandinette

May

Melissa Clark

Licensed Mortgage Banker NYS Banking Dept

LifeandHomes.com Clinton

Your All Inclusive Home Directory

$99,900

3 Bedrooms / 1.0 Baths

6 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41019

For more details visit www.LifeandHomes.com Type in Quick Search #41187

Barbara Owens • 315-853-4400

Realtor • lauraminard@cbpp.com

Licensed Mortgage Banker NYS Banking Dept

Clinton

$269,900

Licensed Mortgage Banker NYS Banking Dept

Constableville

$127,000 3706 Sweeney Road / 15 Acres

6 Bedrooms / 3.0 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33931

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

Barbara Owens • 315-853-4400

Broker/Owner • dunrealt@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

Barbara Dunn Realty

Barbara Dunn • 315-337-1677

Associate Broker • info@barbaraowens.com

$174,900

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Constableville

$99,900

171 Sanford Avenue

3708 Sweeney Road

4 Bedrooms / 2.5 Baths

2 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41205

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

Coldwell Banker Prime Properties Jodie DeCosty • 315-723-8554 Lic RE Associate Broker • jodiedecosty@cbpp.com

Licensed Mortgage Banker NYS Banking Dept

Clinton

Barbara Dunn Realty

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

Low Mortgage Rates • Homestead Financial 315-768-1980

$309,900

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Deerfield

$234,900

116 Homewood Drive

302 Tumbleweed

5 Bedrooms / 3.5 Baths

3 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41327

For more details visit www.LifeandHomes.com Type in Quick Search #41355

Jodie DeCosty • 315-723-8554

Laura Minard • 315-525-1974

Coldwell Banker Prime Properties Lic RE Associate Broker • jodiedecosty@cbpp.com

Licensed Mortgage Banker NYS Banking Dept

Clinton

Coldwell Banker Prime Properties Realtor • lauraminard@cbpp.com

Low Mortgage Rates • Homestead Financial 315-768-1980

$169,900

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Dolgeville

$89,500

1 Utica Street

903 Peckville Road

3 Bedrooms / 2.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33724

For more details visit www.LifeandHomes.com Type in Quick Search #41373

Coldwell Banker Prime Properties Jodie DeCosty • 315-723-8554 Lic RE Associate Broker • jodiedecosty@cbpp.com

Licensed Mortgage Banker NYS Banking Dept

Dorothy Neumann NeuDot Realty

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

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

Phone: 315-527-3542 Email: dneumann@neudotrealty.com We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

United Country Real Estate/HBE Group, Inc. Sharon Baisley • 315-429-9754 Lic. R.E. Broker • hbegroup@twcny.rr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Central New York

Low Mortgage Rates • Homestead Financial 315-768-1980

3667 Harding Road

Clinton Real Estate

■

Coldwell Banker Prime Properties Laura Minard • 315-525-1974

Associate Broker • info@barbaraowens.com

Low Mortgage Rates • Homestead Financial 315-768-1980

L i f e and H o m e s

$179,900

417 Main Street

Clinton Real Estate

12

Coldbrook

3161 Route 12B

New Nest Realty Amy La Clair

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Gaetano’s Clients Enjoy Professional Real Estate Home Staging

Licensed Real Estate Broker Professional & Courteous Real Estate Services

(315)790-4153 visit us on the web @ www.newnestrealty.com Go to SellingCentralNewYork.com or call 768.1680 x202

Your All Inclusive Home Directory Dolgeville

LifeandHomes.com Holland Patent

$99,500

$119,500

80 VanBuren Street,

7957 Elm/Thompson

4 Bedrooms / 1.5 Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41367

For more details visit www.LifeandHomes.com Type in Quick Search #41338

Clemens-Beckley Real Estate

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

Sharron Puglio • (315) 334-1046

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

Lic. R.E Salesperson • SHARRONPUGLIO@YMAIL.COM

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Hamilton

Licensed Mortgage Banker NYS Banking Dept

Kirkland

$33,900

$59,900

1541 River Rd.

4216 Bristol Rd.

2 Bedrooms / 2.0 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41298

For more details visit www.LifeandHomes.com Type in Quick Search #33832

Dominion Homes

Dominion Homes

Amy Abdoo • 315-794-2653

Amy Abdoo • 315-794-2653

Broker/Owner • blon316@aol.com

Broker/Owner • blon316@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Herkimer

Licensed Mortgage Banker NYS Banking Dept

Lee Center

320 South Washington - Commercial

$130,000

$156,700 5345 Lee Center-Taberg Road

Turnkey Business Opportunity

Turnkey Restaurant

For more details visit www.LifeandHomes.com Type in Quick Search #41331

For more details visit www.LifeandHomes.com Type in Quick Search #41326

Accent Brokerage, Inc.

RE/Max All Pro

Becky Smith • 315-868-3098

Tony Abone • 315-339-2222

Broker/Owner • rsmith@accentbrokerage.com

Broker/Owner • proabone@cnymail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Herkimer

$350,000 122 Albany Street - Commercial Retail + 8 Apartments

Licensed Mortgage Banker NYS Banking Dept

ilt

u eB B To

Lenox

$189,900

Tuttle Avenue 3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41330

For more details visit www.LifeandHomes.com Type in Quick Search #41353

Becky Smith • 315-868-3098

Donna Gustin • 315-446-8291-210

Accent Brokerage, Inc.

RealtyUSA

Broker/Owner • rsmith@accentbrokerage.com

Realtor • dgustin@realtyusa.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Licensed Mortgage Banker NYS Banking Dept

Holland Patent

$34,900 8651 Edwards Rd - Land for Sale

Litlle Falls

8 Acres

4 Bedrooms / 3.0 Baths - Drastically Reduced

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

For more details visit www.LifeandHomes.com Type in Quick Search #41322

Joel Siegfried • 315-793-7580

Barbara Wiers • 315-866-3356

SBG Realty

Bruce Ward & Company

Broker/Owner • info@sbg-realty.com

Lic. R. E. Salesperson • bar213clay@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

www.SBG-Realty.com

Barbara Dunn Realty

Prudential Joseph R. Carucci Real Estate

Great Service, Dedication & Integrity!

Call Me Today

286 Genesee St Suite 1 Utica, NY 13502

Office: 315-733-0463 x 212 Cell: 315-725-9152

315-796-2258

Joseph R. Carucci Real Estate

600 French Road New Hartford, NY 13413 Email: sdellerba@prudentialcarucci.com

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

13

L i f e and H o m e s

(He will handle the rest.)

Steve Dellerba

■

1. Call Joel Siegfried

Licensed Mortgage Banker NYS Banking Dept

May

Top 10 things to do whether you are buying or selling:

$240,000

137 Lakeview Dr

LifeandHomes.com Marcy

Your All Inclusive Home Directory

$56,900

$195,000 26 Dockside Drive - Waterfront Condo

2 Bedrooms / 1.0 Baths

2 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41341

For more details visit www.LifeandHomes.com Type in Quick Search #41395

Jill Shafer • 315-334-1046

Debbie Roberts • 315-796-2830

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

Licensed Mortgage Banker NYS Banking Dept

Marcy

$154,900

Licensed Mortgage Banker NYS Banking Dept

New Hartford

$259,000

Mallory Road

3 Bedrooms / 2.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41213

For more details visit www.LifeandHomes.com Type in Quick Search #41234

Stephen Dellerba • 315-725-9152

Steve & Rick Buck • 315-736-0865

Lic. R. E. Agent • sdellerba@prudentialcarucci.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Marcy

$129,000

Buck Construction

Contractor/Developer • stevebuck@buckconstruction.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

$1,600,000

9389 River Rd.

3773 Mohawk Street

3 Bedrooms / 2.5 Baths

4 Bedrooms / 4.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41348

For more details visit www.LifeandHomes.com Type in Quick Search #41369

Rivet Realty • 315-369-6573

Gaetano Belmonte • 315-768-1680

Rivet Realty • rivetre@gmail.com.

Licensed Mortgage Banker NYS Banking Dept

Mohawk

Coldwell Banker Prime Properties Realtor • Homes@GaetanoBelmonte.com

Low Mortgage Rates • Homestead Financial 315-768-1980

$189,900

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

$264,900

1581 State Route 28

20 Estates Drive

4 Bedrooms / 2.0 Baths

3 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41329

For more details visit www.LifeandHomes.com Type in Quick Search #41354

Becky Smith • 315-868-3098

Laura Minard • 315-525-1974

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

Licensed Mortgage Banker NYS Banking Dept

Mohawk

Coldwell Banker Prime Properties Realtor • lauraminard@cbpp.com

Low Mortgage Rates • Homestead Financial 315-768-1980

$94,500

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

$168,900

38 Church Street

3728 Snowden Hill

3 Bedrooms / 1.0 Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41324

For more details visit www.LifeandHomes.com Type in Quick Search #41360

Leslie Nicolette • 315-985-0212

Jean Hunt • 315-725-4700

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

Central New York

Low Mortgage Rates • Homestead Financial 315-768-1980

6386 Glass Factory Rd

Prudential J.R. Carucci Real Estate

8086 Seneca Tpke Clinton, NY 13323 info@lewisseamlessgutter.com

315-732-9577

■

L i f e and H o m e s

Coldwell Banker Prime Properties Licensed RE Agent • debbie@124roberts.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Services Include: - kitchen-bathroom remodels - trim work and painting - flooring - windows and doors - seamless gutters and covers

No Job Too Small!

14

Morristown

5514 Maynard Pk

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

Laura Minard

Hunt For Homes

Broker/Owner • JeanHunt1@adelphia.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Tracy Winterton

Coldwell Banker Prime Properties

1st Rome Properties

You don’t need to be an expert to buy or sell real-estate! You need an expert working for you. I supply you with the information you need to make informed choices. We can work together to get you and your family what you need in the time you need it. Pick up the phone and interview me for the job of being your Agent!

315-525-1974 Cell Phone Anytime • lauraminard@cbpp.com

My philosophy begins with the belief that clients should be treated as friends and with the highest amount of respect.

High-pressure sales tactics are not part of my philosophy. I help my clients explore their real estate goals then focus my energy on helping them attain those goals. My mission is to offer superb service that is accompanied by exceptional value for all my clients while earning trust and ensuring my client’s happiness.

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

Phone: 315-335-3843 Email: tlwinterton@hotmail.com

H. Palmer Properties, LLC

Investor’s Specials

315.868.8668 • howiepq@yahoo.com

14 Barns Ave , Utica

QSN 41141

• 2 Family • 3 Bedrooms Each • Fully Renovated • Replacement Windows • Vinyl Siding • Fully Rented $1,000 Monthly Income

1013 Hope St , Utica

QSN 41143

$58,000

$58,000

• 3 Family • 2 One Bedroom Units • 1 Three Bedroom Unit • Fully Renovated • Vinyl Siding • Fully Rented $1,250 Monthly Income

1021 Hope St , Utica

QSN 41142

$58,000

• 2 Family • 3 Bedrooms Each • Brick Home • Parking Across the Street • Fully Renovated • Fully Rented $1,000 Monthly Income

1008 Hope St , Utica

$58,000

• 2 Family • 2 Bedrooms Each • Fully Renovated • Fully Rented

QSN 41144

$850 Monthly Income

For more information, go to www.LifeandHomes.com and type in the QSN #.

Package Deal!

All 4 Properties

$232,000 Price Negotiable Gross Monthly Income

$4,100 Properties can be purchased separately.

ROP Permits in City of Utica for all properties.

May ■

www.Life and Homes .com

15

L i f e and H o m e s

Central New York â–

L i f e and H o m e s

16

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

There are 3 words to know to Successfully Buy & Sell Real Estate in Central New York.

John Brown Team

John Brown

Veronica Bunce Coe

Lori Scalise

Marcia Archibald

Cindy Brown-Major

Michelle Gorea Thompson

Cliff Ganey

Cindy Lazzaros

Leading agent in central New York for nearly 2 decades 735-2222 x26 • www.johnbrownsells.com • johnbrownsells@yahoo.com

You Gotta Have Faith.

2306 Genesee Street Utica, New York www.Central New York.com

735-2222

Mohawk Valley’s May

#1 Selling

www.Life and Homes .com

17

L i f e and H o m e s

■

Coldwell Banker For Over 25 Years!

SCAMPONE REAL ESTATE 797-7100

EW

N

G TIN

LIS

$475,000

MLS #1001248

EW

N

G TIN

LIS

$139,900

MLS #1001081

EW

N

G TIN

LIS

$134,900

MLS #1000989

EW

N

G TIN

LIS

$99,900

MLS #1000833

Central New York

G TIN

LIS W

NE

$89,900

Verona- Commercial Lake Front

South East Utica

Open the door to elegance and easy living in this superbly crafted 3 bedroom, brick ranch with a total of 19 +/- acres of land. Over 2500 square feet of 1st floor living space and an additional approximate 1200 square feet finished lower level. Gorgeous oak columns & woodwork.

Open floor plan. Lots of privacy. 44X56 pole barn with heated workshop. Too many qualities & amenities to list. See broker for additional features & complete highlight sheet.

The sea shell waterfront this is fully equipped and turn key! A 100’ wall of huge bay windows gives a unique waterfront view w/spectacular sunsets.

Property includes living quarters w/private kit & bath, outdoor seating on the veranda, a sandy beach, & an overflow parking lot. Conveniently located from Verona Beach State Park, 1.5 miles from the Village of Sylvan Beach and Amusement Park, 3 Oneida Indian Nation owned marinas and 10 miles from the Turning Stone Resort & Casino.

Unique english tudor situated on a private wooded setting. 2760 Sq ft of classic style & outstanding craftsmanship. 4 Bdrm, 2 full baths, 2 ½ bths. Updated kitchen & baths, featuring mosaic tiles & stainless appliances. Open lr/dr, great fr w/ fireplace & beamed ceiling and wet bar. Mstr suite has gas fp. Avanti sound system thruout. Too many ameneties to mention.

$799,900

MLS #200704203

$399,000

MLS #911363

East Utica

Remsen

New Hartford

Updated 3 bdrm, 1 bth ranch in a very desireable east utica location. All new vinyl windows, drive, interior & exterior doors. New bath, freshly painted interior, hardwoods throughout. Updated furnace & electrical. Steel beam construction.

Wonderful, 4 bdrm, 2 ½ bath, year round home on the waters of Black River leading to Kayuta Lake. Full 40’rear deck overlooking water & boat dock. Views from master suite & lr w/ sliders to deck. Easy one level living w/2 additional bedrooms & 1/2 bath up. Fireplace in lr. Fully furnished. A great home.

History combined with charm is what will inspire you to fall in love with this beautiful 1825 home located in the village of new hartford. Over 4,000 sq ft. 5 Bdrm, 2 ½ baths. An exquisite sunroom leads you to a park like yard with gorgeous gardens and an ivy covered rock wall.

$309,000

MLS #912298

$299,000

MLS #1000669

New Hartford

New Hartford

New Hartford

All new interior from floors & walls to ceiling, windows, furnace, kitchen & baths. 3 Bdrm, 2 ½ bath, w/1st flr master, master bath, 1st flr laundry, formal dining overlooks sunken family room, tiled foyer & kitchen, 2 bdrms & playrm/computer rm on 2nd flr. New York Mills schools. Situated on a double lot w/ screened sun porch. All new & incredible buy!

Traditional architecture embraces modern day living in this 4 bdrm, 1 ½ bath brick colonial.

Center hall foyer lends way to large principal rms, formal dining, fp in fr. Hrdwd flring & crisp, clean lines carry throughout. Classic built ins in almost every room boasts character & a rich interior distinguishes a 1st flr study/den. Sunporch embraces comfort & relaxation. 2 Stl grg. W/loft. A must see!

Spacious split level home in popular Benton Hills. 3 Bedrooms, 2 baths.

Fireplaced lr, dr, family room w/entrance to rear yard. Hardwood under lr & dr carpet. Oversized garage. Great cul de sac location.

$219,000

MLS #912805

West Utica- Income Producing Well maintained historical building situated close to State Office Building, Oneida County Court House and retail businesses.

Property has two separate deeds, one designated for office building, one for parking lot included in sale. See broker for additional information.

Frankfort

$119,000

MLS #912402

Move right into this village home in well maintained condition. Lr, dr & 3 bdrms have wood parquet flrs. Oversized fr w/ beautiful fp & hdwd flrs. Large kit open to dr. 1St flr 1/2 bath & laundry. Great sunrm overlooking ingrnd pool. Newer roof & hw tank. Village elec. A real charmer inside & out.

Land & Building Lots

West Utica Newly renovated home offers 3 bedrooms, 2 baths; new roof, siding, windows, doors, interior completely renovated! Located on a double lot.

Laundry on same floor as bedrooms!

A must see.

$174,900

MLS # 1000641

New Hartford 2 Lots Deeded as One. 90’ Frontage. Public Utilities $12,500.

New Hartford Cleared & manicured building lot. Survey, utilities in front of property. Mature trees. Highly desireable location. $29,500.

New Hartford Higby Hills Estates; 3 lots up to 5 acres. All public utilities. All on Pebble Creek Lane. From $51,500.

EW

N

ICE

PR

$109,900

MLS # 1000700

South East Utica Charming describes this lovely 2 bedroom ranch. Just imaging what you can do with this open floor plan. Main floor laundry. Nice deck overlooking fenced yard.

Sauquoit Emerald Hill Estates $28,500

Sylvan Beach 2.89 Acres on Main St., $145,500.

Whitetail Meadows All public utilities. From $30,000.

Lenox Close to Rt. 13 & Sylvan Beach. $39,000.

Frankfort Rolling hills. All public utilities. From $22,000.

South East Utica Over 2 acres. $59,900.

Sylvan Beach 6 Parcels. $100,000.

Prime New Hartford development land.

45+ Acres. Public water available. $495,000.

L i f e and H o m e s

■

MLS #1000824

Marcy

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

scamponerealestate.com

18

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 .

Your All Inclusive Home Directory New Hartford

LifeandHomes.com

$179,500

Oneida

$93,900

26 Rockport Road

338 Earl Avenue

3 Bedrooms / 2.0 Baths

2 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41361

For more details visit www.LifeandHomes.com Type in Quick Search #41307

Stephen Dellerba • 315-725-9152

Terry G. Schaal • 315-264-1518

Prudential J.R. Carucci Real Estate Lic. R. E. Agent • sdellerba@prudentialcarucci.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Newport

$189,900

Schaal Real Estate

Lic. R. E. Representative • schaaltg@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Otter Lake

$244,000

3069 North St

14000 State Rt 28

4 Bedrooms / 2.0 Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41323

For more details visit www.LifeandHomes.com Type in Quick Search #41332

Marie Scialdone • 315-866-4892

Olga Grandinette • 315-794-1554

Bruce Ward & Company Licensed RE Agent • bward@brucewardusa.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Old Forge

$339,900

Re/Max Realty Results Lic. R.E Salesperson • olga.grand@yahoo.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$189,000

230 Spruce Drive

111 W Thomas - 8 unit

3 Bedrooms / 2.0 Baths

Commercial

For more details visit www.LifeandHomes.com Type in Quick Search #41387

For more details visit www.LifeandHomes.com Type in Quick Search #33843

Barbara Frank • 315-853-4400

Barbara Dunn • 315-337-1677

Clinton Real Estate

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Old Forge

$309,000

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$950,000

144 Old Indian Trail

328 Ridge Street

3 Bedrooms / 2.0 Baths

Commercial Sale or Lease

For more details visit www.LifeandHomes.com Type in Quick Search #41394

For more details visit www.LifeandHomes.com Type in Quick Search #41374

JoAnn Longo Realty

JoAnn Longo • 315-733-5394

Royal Realty

Rob Savoy • 315-337-2229

Lic. R. E. Broker • JoAnnLongoRealtor@gmail.com

Broker/Owner • info@royal1realty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Oneida

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

312 Broad Street

$79,000 7093 Herkimer Ave - Duplex

Office Space for Rent

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41375

For more details visit www.LifeandHomes.com Type in Quick Search #41343

Schaal Real Estate

Terry G. Schaal • 315-264-1518 Lic. R. E. Representative • schaaltg@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Amy Abdoo Dominion Homes

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

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

19

L i f e and H o m e s

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

Lic. R.E Salesperson • bsieffert@gurbr.com

■

www.mohawkhcs.com

Bonnie Sieffert • 315-525-6801 Low Mortgage Rates • Homestead Financial 315-768-1980

May

800-432-8669

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.

1St. Rome Realty

LifeandHomes.com Rome

Your All Inclusive Home Directory Rome

$49,000

8103 Pinebrook Lane

Investment Opportunity

4 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41230

For more details visit www.LifeandHomes.com Type in Quick Search #41370

Denise Witchley • 315-337-0841

Gaetano Belmonte • 315-768-1680

Homecoming Realty

Coldwell Banker Prime Properties

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

Realtor • Homes@GaetanoBelmonte.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

Licensed Mortgage Banker NYS Banking Dept

Rome

$67,000

507 E. Bloomfield St.

3 Bedrooms / 2.0 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41342

For more details visit www.LifeandHomes.com Type in Quick Search #33874

Bonnie Sieffert • 315-525-6801

Amy Abdoo • 315-794-2653

Dominion Homes

Lic. R.E Salesperson • bsieffert@gurbr.com

Broker/Owner • blon316@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

Licensed Mortgage Banker NYS Banking Dept

Rome

$64,000

$217,000

2 Carmel Drive

617 Turin Street

3 Bedrooms / 2.0 Baths

4 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33595

For more details visit www.LifeandHomes.com Type in Quick Search #41358

Tracy Winterton • 315-335-3843

Joe DiMaggio • 315-337-6070

1St. Rome Realty

Mark 1 Real Estate

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

Broker/Owner • jdimaggio@gurbr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Licensed Mortgage Banker NYS Banking Dept

Rome

$175,000 6199 Lorena Road - 2 Homes

Rome - Outside

3 Bedrooms / 1.5 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33616

For more details visit www.LifeandHomes.com Type in Quick Search #41344

Tracy Winterton • 315-335-3843

Maria E. Dailey • 315-336-0433

National M&D Dailey Realty

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

Broker/Owner • dailey.realty@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$44,500

6 Pine Haven Circle

1St. Rome Realty

Licensed Mortgage Banker NYS Banking Dept

Rome

$104,900

$69,000

802 Massena Avenue

219 E Whitesboro

3 Bedrooms / 1.5 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41366

For more details visit www.LifeandHomes.com Type in Quick Search #41345

Assist2Sell Seller’s and Buyer’s 1st Choice!

Joanne Shedd • 315-790-1997

Maria E. Dailey • 315-336-0433

National M&D Dailey Realty

Lic. R.E Salesperson • jshedd@assist2sell.com

Broker/Owner • dailey.realty@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Central New York

Licensed Mortgage Banker NYS Banking Dept

Licensed Mortgage Banker NYS Banking Dept

MidState Contracting Barry Kotary

■

L i f e and H o m e s

$38,000

600 W Thomas Street

1St. Rome Realty

7710 McKern Rd Rome, NY

315.335.8073

Siding • Decks Windows • Additions Overhead Doors Fully Insured FREE Estimates

Joanne Shedd Licensed Sales Person

Assist 2 Sell

Sellers & Buyers 1st Choice!

147 Genesee St New Hartford, NY 13413 Office: 315-735-9244 Fax: 315-735-6941 Mobile: 315-790-1997 Email: jshedd@assist2sell.com Web: www.assist2sell.com

Each Office is Independently Owned & Operated

20

$284,900

104-106 3rd St - 2 unit

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 .

For One Low Fee, You Can Enjoy the Professional Services of a REALTOR to Sell Your Home!

NEW HOMES MODULAR “IT’S SIMPLE”

LAND STEAL 50% OFF

All Remaining Lots To Be Sold At 1/2 Price Beautiful & Affordable Home Sites

FROM 5 ACRES TO 40 ACRES • PRICES FROM $14,900

We can give you better specifications, more upgraded features, and a higher quality home

Special Onsite Financing Available “Buy Now - Build Later” THIS IS THE BEST DEAL AROUND

And we can do all this for less money.

POND VIEW

BRING US YOUR BEST DEAL

Private family community for fun & investment 35 Exceptional homesites set on 235 acres Riding trails, stocked fish ponds, sunset views

- WE WILL BEAT IT! Stick Built Quality Modular Homes

Ph: 315-891-3254

Direct Snowmobile & ATV Trails Out Your Door To The Ridge Runners Clubhouse

Middleville, Herkimer County, NY Ph. (315) 891-3254 Cell (315) 868-2435

Cell: 315-868-2435

QSN#33888

QSN#41380

QSN#33926

Denise Witchley Lic. Real Estate Broker/Owner Rome

$149,900 Rome

$87,900

For sale is an old farmhouse and farm buildings.

All buildings in poor condition.Farm/pasture in past.Age of buildings uncertain.Taxes have not been verified/updated.Acreage is approx.

Buildings could be sold separately. Nice area for hobby farm.Small pond with stream.

4 bed 2 full bath home with tons of space. Good sized rooms. Sliding doors from both the formal dining room and family room downstairs lead to deck and above ground pool. Large back yard.

Convenient location!

QSN#41379

QSN#41157

$58,900 Rome

$67,900

www.LifeandHomes.com and type in the QSN#

QSN#33755

Rome

$29,900

4 Bed/2 Bath Nice 2 Family Home. Spacious.

Good Condition. Large Backyard- to Creek.

Garage and plenty of parking. Nice Investment.

Furnace for downstairs is 2½ years old.

QSN#33858

Rome

$79,900

Very Nice Two Story Home. Downstairs Has Been Remodeled To Include New Kitchen, Bath With Double Sinks, Computer Area & French Doors Leading To Patio Off Kitchen. Large Yard And Plenty Of Parking.

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

www.Life and Homes .com

21

L i f e and H o m e s

Bring your suitcases! Adorable 2 bedroom - bigger than it looks.Well kept, clean. Located on a less-travelled street. Master bed has large walk in closet. Nice sitting room upstairs. Great sun porch facing large back yard.

Owner needs to find and close on suitable housing.

For more information on any of these homes, visit

■

3 bed 2 full bath mobile home.Open floor plan.

Nice and bright. Fireplace in living room; double closets in master suite; ramp; super back deck, central air and private back yard.

$174,900

Think! This beautiful building houses an adorable upstairs apartment plus beautiful retail space - currently home to a gift boutique. A greenhouse for additional space, plus a warehouse in the rear. Lots and lots of updates have been made. Possibilities galore! Think of what you can do.

May

Rome

Rome

337-0841 office 335-6971 cell 337-7973 fax

LifeandHomes.com Rome

Your All Inclusive Home Directory Sherrill

$59,500

100 W. Seneca St.

3 Bedrooms / 1.5 Baths

Commercial

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

For more details visit www.LifeandHomes.com Type in Quick Search #41304

We Buy/Sell Houses • 315-264-9235

Terry G. Schaal • 315-264-1518

Oneida County Real Estate Investors

Schaal Real Estate

Investor • phpenterprises@hotmail.com

Lic. R. E. Representative • schaaltg@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$163,500

8346 Forest Lane 2 Bedrooms / 2.0 Baths

Licensed Mortgage Banker NYS Banking Dept

wn O o tt Ren

Steve Ruscitto • 315-762-4488

Licensed Mortgage Banker NYS Banking Dept

Rome

$149,900

Oneida County Real Estate Investors Investor • steve@cnyres-q.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

$124,900

611-613 Chatham St.

914 Mildred- 2 family

3 Bedrooms / 2.0 Baths

4 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41170

For more details visit www.LifeandHomes.com Type in Quick Search #41193

Tony Abone • 315-339-2222

Assist2Sell Seller’s and Buyer’s 1st Choice!

Joanne Shedd • 315-790-1997

RE/Max All Pro

Broker/Owner • proabone@cnymail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$119,500

Lic. R.E Salesperson • jshedd@assist2sell.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

$37,500

211 E Linden Street

1603 Dudley Ave

3 Bedrooms / 1.5 Baths

6 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41169

For more details visit www.LifeandHomes.com Type in Quick Search #41245

Tony Abone • 315-339-2222

Amy Abdoo • 315-794-2653

RE/Max All Pro

Broker/Owner • proabone@cnymail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Sauquoit

$125,000

Dominion Homes Broker/Owner • blon316@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

$63,500

3233 Mohawk Street

702 Jefferson - 2 Unit

3 Bedrooms / 1.5 Baths

5 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41198

For more details visit www.LifeandHomes.com Type in Quick Search #41406

Jean Hunt • 315-725-4700

Stephen Dellerba • 315-725-9152

Hunt For Homes

Broker/Owner • JeanHunt1@adelphia.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Central New York

2 Bedrooms / 1.0 Baths

Tony Abone • 315-339-2222 Low Mortgage Rates • Homestead Financial 315-768-1980

Richard Parent Coldwell Banker Prime Properties

Working together is Richard’s approach to helping buyers and sellers. Richard provides timely and effective communication while servicing all clients with a high level of full time professional service. Richard has over 30 years of sales, supervisory and national corporate experience and is a member of both Utica & Syracuse MLS systems. While residing in New Hartford with his wife Shirley he provides services throughout central New York. Contact Richard today to help streamline your real estate needs!

■

$67,000

1314 Vienna Rd For more details visit www.LifeandHomes.com Type in Quick Search #32684

Broker/Owner • proabone@cnymail.com

L i f e and H o m e s

Sylvan Beach

For more details visit www.LifeandHomes.com Type in Quick Search #41325

RE/Max All Pro

Phone: 315-768-1680 Web: RichardParentHomes.com

22

$159,900

534 Mill Brook Road

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

Builder Land tours Are you a builder, a buyer looking to build or just nosy?

Come take a tour of multiple locations offering over 300 acres in deerfield, sauquoit and Hinckley Lake. meet the owners and maybe your builder!

Builders: meet your next buyer!

Call any time schedule your tour. schedule your tour during the work day, after hours or on the weekend.

Call Rob: 315-235-3753

Prudential J.R. Carucci Real Estate Lic. R. E. Agent • sdellerba@prudentialcarucci.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

KD Homes

featuring

Bill Lake Homes

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

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

KD Homes Rt 12 Waterville, NY 13480

841-8700

email kdhomes@frontiernet.net web kdhomesny.com

14000 State Route 28 Otter Lake, NY

$244,000

Mission Style, year round home with water rights. Home offers newer, spacious kitchen, formal dining room, hardwood floors, lg field stone fireplace, leaded glass windows, 3 bedrooms, and 1.5 baths. All natural woodwork, gorgeous open stairway. 400 ft frontage.

So much more!

Open House • Wednesday May 12th • 2PM to 4PM

Olga Grandinette RE/MAX Realty Results

In today's real estate market, you need to work with a company you can trust that has professionals you can rely on. Whether you are buying or selling your primary residence, a second home, or relocating to a new neighborhood, RE/MAX Realty Results can help make your homeownership dreams come true.

Focusing on excellent customer service has inspired our company to build an effective combination of results oriented professionals, superior technology and high ethical standards - all working to provide our clients with the most positive real estate experience possible.

6325 Moot Road Oneida, NY

$389,000

Are you are looking for “peaceful, private” country living with 23+ acres and a Bass stocked pond? Large barn with loft. Home offers 5 bedrooms, 3 baths, 2 fireplaces.

Including large in-law apartment. Many updates, hardwood floors, insulated windows, newer kitchen. Relax and enjoy the magnificent views on the large front porch or the great deck with pool. Take a look, you will fall in love.

Open House • Saturday May 8th • 1PM to 3PM

PRIME PROPERTIES St Lawrence River - 1000 Islands Waterfront Condos with Boat Slip

Each 1100 sq ft unit features 2 bedrooms, heat, central air, fully applianced kitchen, washer & dryer, fireplace, carport, and boat slip.

Only 9 Units Remaining! Dockside Resorts, Morristown, NY Conveniently Located between Alexandria Bay & Ogdensburg, NY

See more photos at www.26docksidedrive.com

www.Life and Homes .com

Debbie Roberts

315.796.2830 23

L i f e and H o m e s

$184,000

■

Starting at

May

New Construction

Ground-Middle-Penthouse Levels still available, All with Waterfront Views!

You Gotta Have Faith.

L i f e and H o m e s

â–

Central New York

Each Office is Independently Owned and Operated

2306 Genesee Street Utica, New York www.Central New York.com

24

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

735-2222

Anthony Vaccarelli Audrey Johnson

Cindy Lazzaro

JC Pantola

Barb Roberts

Jenny Carabin

Jim Lenahan

Ben Tringo

Bitsy Maye-Rattler Bozena Sroczyk

Susan Martorell

John Brown

Cindy Major

Jonathon Smoulcey Judy Hinman

Cliff Ganey

Deborah Hapanowicz

Keith Schuderer

Bert McCumber

Derby Family

Kelli Inserra

Diane Lockwood

Linda Peters

Henri Abiyaghi

Lori Hamlin

Ismail Yildirim

Lori Scalise

Jay Groah

Michelle Faga

Marcia Archibald Pauline Nicoterra

Veronica Coe

Rick Rodio

Rosemarie Costello

May â–

www.Life and Homes .com

25

L i f e and H o m e s

735-8515

Campion-Weeks

Adeline Griffiths Alice Donnelly

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

Anne Hameline Anthony Desarro

Azza Diorgi Brett Lojewski

New Hartford

$549,900

Picturesque view from this fabulous contemporary. Great room, cathedral ceilings, gourmet kitchen, DR, 1st floor master. 3.5 baths, sunroom, 3 car garage.

MLS#101154 www.Campionweeks.com 735-8515

Old Forge

$499,000

Lovely year round contemporary home. 3 BR, 2 baths, cathedral ceiling, stone FP, 133 ft. sandy beach front.

MLS#803024 www.Campionweeks.com 735-8515

Southeast Utica

$399,900

Spectacular contemporary w/ 4 bedrooms, 2.5 baths, DR, FR, Granite, marble, maple cabinetry, inground pool, office. ‘A Must-See Home.”

MLS#101115 www.Campionweeks.com 735-8515

Southeast Utica

$299,900

Gorgeous Dutch colonial with a beautiful cherry kit, solarian breakfast area, DR, FR, study, 5 BRs, 3.5 baths. 3 car garage, Inground pool.

MLS#912864 www.Campionweeks.com 735-8515

Carla Dochterman Carol Chiarello

Carole Owen Caroline Marino

Brantingham Lake

$289,900

Waterfront, year round home on the lake.

Great views, 2 bedrms, many updates. 1 Bedroom guest cottage. 2 car garage.

MLS#913245 www.Campionweeks.com 735-8515

Sauquoit

$279,900

Beautiful 5 BD, 2.5 Bath colonial in Emerald Hill Estates. DR, FR, finished lower level.

Double gar.

MLS#100711 www.Campionweeks.com 735-8515

Frankfort

$239,000

Stunning 3 BD, 2 bath home with woodmode kitchen, DR, FR, gorgeous view. In-law apt.

MLS#101020 www.Campionweeks.com

735-8515

Southeast Utica

$235,000

Classic and spacious 4 bedrm, 2.5 bath colonial in quiet cul-de-sac. DR, updated kitchen, covered patio. Double garage. Fenced, private yard.

MLS#101139 www.Campionweeks.com 735-8515

Dave Malozzi Kim Johnson

Linda Cavalier Linda Kuzniar

Marcy

$258,500

Gorgeous 4-5 bedrm, 3 bath transitional cape.

DR, FR, att double gar. 1st floor mstr suite. Central air. Only 4 yrs young. Approx 2600 sq/ft.

MLS#912704 www.Campionweeks.com 735-8515

New Hartford

$178,900

Unique property offering 3 bd, 1.5 bath ranch on 1.6 acre setting. Att. gar plus lge 2 story gar w/ 3 bd in-law apt. Inground pool, many updates.

MLS#100709 www.Campionweeks.com 735-8515

South Utica

$185,000

Traditional, center hall colonial. Pottery Barn decor! 4 br, DR, 2.5 baths, updated kitchen & baths. 1st fl laundry. Dbl gar. Lower level FR. MLS#100844 www.Campionweeks.com 735-8515

Frankfort

$158,000

Attractive 4 bedrm, 3 bath home in a private setting, yet convenient location. FR, fireplace, 2 car garage.

MLS#1000871 www.Campionweeks.com 735-8515

Luis Montero Marilyn Valvo

Mark Canter MaryBeth Roberts

South Utica

$179,900

Charming stone French Normandy colonial. 4+ bedrms, eat-in kit., DR w/ leaded glass windows.

3.5 baths, 2 car att. gar. Take a Step Back in Time.

MLS#911533 www.Campionweeks.com 735-8515

North Utica

$144,500

Exceptional, exquisite 4 bedroom, 2 bath home.

Totally remodeled with new addition to rear, offering DR and master bedroom suite.

MLS#912265 www.Campionweeks.com 735-8515

South Utica

$124,900

Updated immaculate 3 bedrm home in desireable neighborhood. DR, 2 car garage.

Oversize, park-like, fenced yard.

MLS#100810 www.Campionweeks.com 735-8515

New Hartford

$119,900

Michael Grassi Pat LoGuidice

Attractive 3 bedroom ranch. FR w/ fireplace, hardwoods, updated boiler, attached garage.

Large corner lot.

MLS#100933 www.Campionweeks.com 735-8515

Central New York

Paul Durrigan Rosemary Nicotera

Ruth Fanelli Sabrina Arcuri

South Utica

$122,900

$114,900

Contemporary chalet style home w/ open floor plan. Beautiful, custom kitchen, dining area, 2 bedrooms, huge wrap around deck.

MLS#101085 www.Campionweeks.com 735-8515

South Utica

$92,000

Nice, 2 story with newer roof & furnace. Formal DR, 1st floor laundry. Fenced yard.

MLS#101143 www.Campionweeks.com

735-8515

New Hartford

$138,000

Wonderful farm house with approx 3200 s/f of living. FR, DR, in-law apt. 4/5 bedrms, 2 baths.

2 car garage.

MLS#912433 www.Campionweeks.com 735-8515

Sam Vedete

Susan Alberico

Tom Conte

Tom Mazzotta

Vera Sadallah

Wade Evans

L i f e and H o m e s

■

Nice 3 bedroom, 2 story home in popular Ridgewood. DR, fireplace, garage. Freshly painted interior.

MLS#101030 www.Campionweeks.com 735-8515

Whitestown

Deerfield

$109,000

Wonderful ranch with 3 large bedrooms, 1.5 baths, fireplace, eat-in kitchen, att garage. Decks overlooks private yard.

MLS#912729 www.Campionweeks.com 735-8515

26

Chadwicks

$129,900

Raised ranch with in-law apt or use as a 2 family.

3 bedrooms in each apt. Separate utlities, 2 car garage. Sauquoit schools.

MLS#912942 www.Campionweeks.com 735-8515

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

West Utica

$75,900

South Utica

735-8515

Attractive 3 bedroom bungalow in popular neighborhood. DR, vinyl siding, 2 car garage.

Expansion attic.

MLS#101116 www.Campionweeks.com 735-8515

Wonderful 4 bedroom bungalow. Gleaming hardwood floors, DR, 2 car garage. Vinyl siding.

MLS#101105 www.Campionweeks.com

$89,900

Your All Inclusive Home Directory Utica

LifeandHomes.com Utica

$52,000

$39,500

717 Plant Street / 2 unit

642 Tracy

6 Bedrooms / 2.0 Baths

5 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33992

For more details visit www.LifeandHomes.com Type in Quick Search #41393

Joel Siegfried • 315-793-7580

JoAnn Longo • 315-733-5394

SBG Realty

JoAnn Longo Realty

Broker/Owner • info@sbg-realty.com

Lic. R. E. Broker • JoAnnLongoRealtor@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Licensed Mortgage Banker NYS Banking Dept

Utica

$74,900 15 Hampden Place - 2 family

Utica

6 Bedrooms / 2.0 Baths

5 Bedrooms / 3.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #32737

For more details visit www.LifeandHomes.com Type in Quick Search #41392

Tony Myers • 315-525-6291

JoAnn Longo • 315-733-5394

20 Springate Street

The Nehemiah Fund

JoAnn Longo Realty

Investor • tonymyers@verizon.net

Lic. R. E. Broker • JoAnnLongoRealtor@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

$129,000

Licensed Mortgage Banker NYS Banking Dept

Utica

$59,900

3 Sherman Place

$62,900 905 Springate Street - 2 units

4 Bedrooms / 2.0 Baths

6 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #32157

For more details visit www.LifeandHomes.com Type in Quick Search #32023

The Nehemiah Fund

The Nehemiah Fund

Tony Myers • 315-525-6291

Tony Myers • 315-525-6291

Investor • tonymyers@verizon.net

Investor • tonymyers@verizon.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

Licensed Mortgage Banker NYS Banking Dept

Vernon

$145,000

$154,900

429 Larchmont Ave

4588 Verona Street

4 Bedrooms / 1.5 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41365

For more details visit www.LifeandHomes.com Type in Quick Search #41385

Assist2Sell Seller’s and Buyer’s 1st Choice!

Joanne Shedd • 315-790-1997

New Nest Realty

Amy La Clair • 315-790-4153

Lic. R.E Salesperson • jshedd@assist2sell.com

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

Licensed Mortgage Banker NYS Banking Dept

West Leyden

$319,900

$139,900

North Utica

4157 Mud Lake Road

3 Bedrooms / 2.0 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #34001

For more details visit www.LifeandHomes.com Type in Quick Search #41364

Buck Construction

A.Fumarola /Joyce Realty

Steve & Rick Buck • 315-736-0865

Carrie Podagrosi • 315-723-3021

Contractor/Developer • stevebuck@buckconstruction.net

Agent • cpodagrosi@yahoo.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Licensed Mortgage Banker NYS Banking Dept

Unreserved Real Estate & Contents Auction Sat., May 22, 9 AM

www.678-2000.com

the Swancott Mansion!

www.Life and Homes .com

27

L i f e and H o m e s

2052 Lamson Rd. Phoenix, NY 13135

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Real Estate Auction Co., Inc.

18,000+/-sq. ft. Three story Brick mansion (circa 1854) with 12 Bdrms., 4 full & 5 half baths on 1 acre! Tarvia parking for 20 cars! 3 Bdrms. (or 4 counting living room) & 2 full & 2 half baths on 1st floor, 8 Bdrms. plus 2 full & 2 half baths on 2nd floor. 3rd floor w/huge open library room, half bath & access to attic storage & utilities. full basement w/brick & stone foundation & multiple storage rooms. Call for details or check our website for more information. dir: from Genesee st. to Hopper st. to Rutger Park open House: sat. may 8 & 15, 9-12 noon $2.00 admission charge to be donated to Rescue mission!

May

4 Rutger Park Utica, nY 13501

LifeandHomes.com Western

Your All Inclusive Home Directory Whitestown

$135,000

8188 Buck Hill Road

8 Sprucedale Ave

2 Bedrooms / 1.0 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41356

For more details visit www.LifeandHomes.com Type in Quick Search #41339

Mark 1 Real Estate

Clemens-Beckley Real Estate

Joe DiMaggio • 315-337-6070

Jill Shafer • 315-334-1046

Broker/Owner • jdimaggio@gurbr.com

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Whitesboro

Licensed Mortgage Banker NYS Banking Dept

Woodgate

$139,000

Scotch Pines Drive

3 Bedrooms / 2.0 Baths

3 Building Lots

For more details visit www.LifeandHomes.com Type in Quick Search #41363

For more details visit www.LifeandHomes.com Type in Quick Search #41350

Rivet Realty

Lynn Calcagnino • 315-732-3456

Rivet Realty • 315-369-6573

Lic. R.E Salesperson • LYNNCALC7@AOL.COM

• rivetre@gmail.com.

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Whitesboro

Licensed Mortgage Banker NYS Banking Dept

Yorkville

$157,000

141 Whitesboro Street

3 Bedrooms / 1.5 Baths

5 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33894

For more details visit www.LifeandHomes.com Type in Quick Search #41225

NeuDot Realty

Rob Savoy • 315-337-2229

Dorothy Neumann • 315-527-3542

Broker/Owner • info@royal1realty.com

Broker/Owner • neu.dot@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Central New York

Licensed Mortgage Banker NYS Banking Dept

Whitesboro

$159,900

Just Listed! Completely Updated Spacious 3 Bedroom Ranch W/ Open Floor Plan. Features a New Kitchen, Formal Dining Room, New Bath, Hardwood Floors, Beautiful Family/Sun room Which Leads To Deck & Private Yard. New Bonus Family Room in Lower Level. 2 Stall Garage. Last Home on a Dead End Street. Take a Look at This HOT NEW LISTING Before it’s Gone!

MLS# 1000828 Bob Spencer 601-0170 Office 736-8000

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$89,900

55 Main Street

Royal Realty

L i f e and H o m e s

$59,900

208 Main Street

A.Fumarola /Joyce Realty

28

$127,900

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 .

Licensed Mortgage Banker NYS Banking Dept

Whitesboro

$285,000

Springs coming! Get ready to enjoy your summer fun in this meticulously cared for Colonial Home on a private Cul-de-sac location. Like new 4 bedrooms 2.5 Baths, Family room w/ Fireplace. Updated throughout. Granite countertops, 16’ x 16’ Three Season Sun room. MLS# 1000082 Dan Lazarek (315) 542-4338

mortgageCorner

No Closing Cost Mortgage Refinance Attractive But Dangerous When you come to a decision that you want to refinance your loan, usually there are many fees you have to pay.

Closing costs are at times very hard to afford and can be avoided, but there is a down side - Interest will go up. There are ways to get a no fee mortgage refinance.

Why would anyone do that? If you want to flip your house (buy a house with a relatively low interest rate, hold it for a short period of time and re-sell it), or If you simply don’t think you would still own this house in 5 years or so - it might be valuable for you.

No closing cost can be attractive but also dangerous; Mortgage refinance without closing cost can help you avoid fees like title insurance, escrow charges, recording fees, appraisal costs, broker fees and more, but you will still have to pay insurance, interest, and all applicable taxes.

When looking for a loan, check all types of mortgages available and find the one that fits you the best.

Make sure you check the interest rate, whether it’s a fixed or variable rate, if it has closing fees and what those fees are.

Author William Gold has done extensive research on mortgage refinance no closing cost and no cost mortgage refinance. www.approveall.com (Source: bestmanagementarticles.com )

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

Roger Guerrieri 315-533-7160 Mortgage Originator

Adam Hearty

Financial Services, Inc. Licensed Mortgage Banker • NYS Banking Department

Anthony Tefel 315-534-2524 Mortgage Originator

LoWEST

Rates in the Area!

10 Main Street • Suite 200 2nd Floor Whitesboro, NY • HomesteadFinancial.net www.Life and Homes .com

29

L i f e and H o m e s

315-404-5253 Mortgage Originator

■

If you think you’ll still own the house after this period of time - taking a no closing cost mortgage doesn’t pay off. At that point it is better for you to pay the closing costs and save money later on, than doing what you think is saving you money but actually will bring you losses in the future.

If you do the math you realize that if you’re keeping the house for 5 years or less it is worth getting a no-closing-cost.

If you keep it for a longer period than that, you lose the advan tages of the refinancing with no closing costs, and actually start losing money.

May

Online there are different websites that have a kind of calculator that can help you find out whether mortgage refinance with no closing costs is a smart choice, or if you break even or lose any money taking this mortgage over other.

The calculators do this by finding out how much you would pay with the mortgage refinance with no closing cost every month for the length of the loan and contrast it to the cost of getting a loan with closing fees plus the closing fee itself.

At this point it subtracts one from the other and comes up with an amount of months that is called your break even point.

By William Gold

Home Service network

exclusive Members that Have shown exceptional customer service

The Missing Pieces to a Hassle-Free Home Heating

Builders ADIRONDACK BUILDERS 315-942-4949 log Homes, Basements, custom kitchens, Member since 08/09

additions, carpentry. General contracting. electrical work. log Homes, Basements, custom kitchens, additions, carpentry. General contracting. electrical work.

MOHAWK HOME COMFORT SERVICES 800-432-8669 Heating oil, kerosene, diesel, Gasoline & 800-765-6511 Heating equip. Propane in Madison/oneida 800-692-2525 Member since 09/07

Member since 09/07

THE HEARTH SHOP @ UNIV. BLDG SUPPLY 315-337-3340 easy track closet systems - estimates, design, 315-732-2350 installation.the More economical, easy installation system on the Market.

Home Inspection Member since 11/07

ENERGY & INSULATION SOLUTIONS 315-285-5074 serving all of the north country. from the Member since 04/10

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

HOME PRO HOME INSPECTIONS on the corner of rt. 8 & 20 mins from Utica.

315-822-0010

Energy

custom cabinetry, flooring, & Molding for all your needs.

Member since 07/08

Excavating BCS EXCAVATING 315-841-3573 deansboro • servicing cnY. Bobcat and mini Member since 03/06

excavator, septic, sewer,trenching, Posthole drilling, demolition

& Buyer inspections, septic systems, inspections & dye tests,water Purity.the only local nYs doH elaP certified continuous Monitor radon testing lab in oneida county.

Member since 01/09

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

THE HEARTH SHOP @ UNIV. BLDG SUPPLY 315-337-3340 cnY’s source for warmth! fireplaces, stoves, 315-732-2350 inserts,logssets - biofuels, gas, pellet or wood. also Member since02/08

Central New York

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

Member since 09/07

Member since 06/07

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

IRONWOOD FURNITURE 315-853-7300 serving cnY. Quality amish solid wood furniture at affordable Prices. see our great selection of tables, chairs, Hutches, Bookcases, Bedrooms, and much, much more. www.ironwoodcnY.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 .

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.

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.

insured. energy saving Benefits. free estimates

Waterproofing Kitchen & Baths

WILCOX BASEMENT SYSTEMS, INC 315-896-3979 serving all of cnY. Basement & crawlspace Member since 03/07

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

Furniture

30

NEW HOMES MODULAR CO 315-891-3254 serving cnY. “the Best Homes at the Best Prices.”

ENVIRONMENTAL CONTRACTING 315-269-7900 serving cnY. specializing in spray-on-foam. fully

Flooring

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L i f e and H o m e s

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

Insulation

ence Building log Homes throughout new York state including the adirondack Mountains.

Modular Homes

SHIRE INSPECTION SERVICES, INC Performing quality inspections at a reasonable 315-420-2832

Fireplaces & Stoves

Member since 09/07

Member since 05/10

adirondacks to lake ontario.we come to you!

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

Member since 05/10

CEDAR HOMES OF DISTINCTION 315-824-1571 we have our own crew with over 25 Years experi-

counties. www.mohawkhcs.com

COUNTRY SUBURBAN HEATING & AIR CONDITIONING 315-735-5300 country suburban will do “whatever it

Closets

Member since 02/08

Log Homes

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

waterproof solutions. foundation repair. www.wilcoxbasement.com

Well Drilling AW KINCAID INC 315-697-7720 well drilling & water systems. established 1916.

Member since 10/07

well drilling- rotary & cable tool.water Pumps serviced & installed. certified by national Ground water assoc.

Otsego County

$325,000

$140,000

$199,900

$539,000

210 acre free stall operation located in Madison County. 140 acres of very good tillable land. 280 stalls total. Fairly new double 10 rapid exit parlor. Large concrete pad for feed storage. Good 2 story 5 bedroom home with 2 baths. Several custom operators in the area for harvesting and planting feed. This farm is turnkey, ready to milk.

www.Life and Homes .com

31

L i f e and H o m e s

Herkimer County Hobby Farm. 100+/- acres 25 acres in pasture and fields. Balance woods and large beaver ponds.. Awesome white tail deer & turkey hunting. Good 2 story 5 bdrm Colonial Brick home in good condition. Large rooms high ceilings. Good spacious home. Good 40x80 pole barn for horses or beef, machine and hay storage. 2 story barn, has been used for additional storage. r. Close to I90, shopping, hospitals close by. Not far to the Adirondack Mountains.

Madison County

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Hobby Farm just 10 miles south of Utica, NY. Close to hospitals and shopping, yet this farm is situated in the country. 12 +/- acres in pasture and tillable acres. All on one side of a very quiet road. Good 3 bedroom 2 bath home in very nice condition. Good 2 story barn with stalls and pens for horses and beef cattle, hogs or sheep. 2 other buildings used for machinery storage and shop repairs. This is a nice little farm for the hobbyist with a great location with everything one would need. Quiet and peaceful living.

Herkimer County

May

Dairy Farm - 150 m/l acres. 50 acres tillable 60 acres pasture 40 +/- in woods. Good 2 story 49 stall barn with drive in mow, patz barn cleaner, 2” pipeline 1000 gallon bulk tank. 45x45 shop and machinery building, a 45x45 young stock barn. 11 free stalls and pens. 2 upright silos w/ good un-loaders. Nice 2 story 5 bedroom home set up for two families. 2 small ponds. Very quiet road, beautiful views, nice location. Borders large state forest. Close to Oneonta and I88 from Binghamton. Owner is retiring.

Utica

Laura Minard

Licensed Real Estate Salesperson

315-768-1680 Ext 205 Office 315-525-1974 Cell Lauraminard@cbpp.com www.ColonialSquareTwinHomes.com

Twin Home Prices from $189,900

We won’t be

undersold.

We will beat

any price!

Come to an

Open Ho use Call L aura for S howing

Competitive Pricing North Utica

QSN#33997

Central New York

2 bedroom, 2 bath town home with granite countertops, central air-conditioning, and a 12x12 back deck, with the other half of the town home still available for sale in which the home buyer can upgrade to their personal preference and satisfaction.

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L i f e and H o m e s

$209,900

New Hartford

QSN#33998

$349,900

3 bedroom, 2 ½ bath two story colonial with a full, walk-out basement, stone entry, hardwood floors, three stall garage, whirlpool tub, gourmet kitchen, spray foam insulation, and energy star windows.

North North Utica Utica

QSN#33999

3 bedroom, 2 bath home with hardwood floors, designer series gas fireplace, vaulted ceilings, stone masonry, energy star windows, formal dining room, granite countertops, and 80% reduced property taxes.

To See the Progress of the Homes Pictured Above, Log On to www.LifeandHomes.com and type in the QSN#.

105 Main Street Whitesboro, NY 32

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

$239,900

North Utica

QSN# 34001

$319,900

North Utica

New Construction

$219,900

315.736.0865

stevebuck@buckconstruction.net