Life and Homes Central New York by Stephen Lisi

Central NY

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On The Edge

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A buddy of mine just took the plunge. After years of homeownership, he found an “upgrade” house at an incredible deal and signed on the bottom line. The idea of gaining additional square footage and appealing upgrades in a family-friendly location sealed the deal. Now comes the challenging part…selling his current home.

Oneida County NY, Edition

Published By LISI MERCHANT SOLUTIONS, INC.

Traditionally, more people buy in the spring and move in June, July and August. That’s really no surprise given the fact that it’s generally easier to move when the kids are out of school and the weather is good. So, do buyers and sellers still “make their move” during the other nine months of the year? You bet they do, and if you’re one of the millions planning to buy or sell this year, it’s in your best interest to make sure you have the competitive edge. Like my buddy soon found out, once your home goes on the market, it’s fair game for scrutiny by the masses. Get comfortable with the idea that potential buyers will open closet doors, peak behind the shower curtain, poke around the garage and inspect the basement. Do yourself a huge favor and prepare your house for showing by de-cluttering, cleaning, painting, and repairing. Invest in making the house as move-in-ready as possible and you’ll already be miles ahead of the competition. Ask your listing agent to walk through the house with you and explain what you can do to make your house as marketable as possible. A good agent should be happy to make suggestions and even help stage your house for maximum selling impact.

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David P. Lisi , RMC

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Did you know buyers could use a competitive edge as well? Think about it. There are thousands of properties on the market in varying conditions, locations and price ranges. Sorting through all the property information takes a lot of time and can quickly become overwhelming. Getting pre-qualified for a mortgage should be your first step and will help determine what price range you should be looking in. If you’re working with an agent, they should be scouring the market for you, directing you to appropriate potential properties and assisting you when it comes time to place an offer. For the ultimate competitive edge, leaf through this issue of LifeandHomes for the latest listings, educational articles and information on professionals who can help with your buying or selling needs. Check out our Home Service Network for local businesses that provide services and supplies every homeowner needs. And remember to log on to www.LifeandHomes.com to see even more residential, commercial, investment, land/lot and multi-family listings. LifeandHomes is pleased to give you the competitive edge.

i David P. Lis

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Adam Hearty

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315-404-5253 Mortgage Originator

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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.

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Visit the

Great NY State Fair

12 days, dozens of big-name entertainers, hundreds of rides and attractions, thousands of animals and nearly one million people. It’s all at the great NY State Fair, taking place August 26 - Sept 6th, 2010 in Syracuse, NY. Visit nysfair.org for all the exciting details and schedules.

The New Retirement: Keep on Working Baby Boomers are continuing to work in retirement. Despite the current economic environment, Boomers are working not just to make ends meet, but rather because they find work physically and mentally energizing. Of those who are still working and have yet to retire, nearly 75 percent plan to do work in some capacity after they officially retire. Many have noted they plan to do so to “ward off boredom and keep busy” or for the “self satisfaction and enjoyment.”

Top 10 States for

Retiree Tax Breaks

Forbes Magazine reports states are luring seniors over 65 by offering attractive tax breaks. Seven states - Alaska, Florida, Nevada, South Dakota, Texas, Washington and Wyoming - don’t tax personal income at all. New Hampshire and Tennessee tax interest and dividends but not other income. Taking exemptions, sales tax, local economy and prospects for tax hikes into consideration, tax experts have tagged the following states as offering the best deals for residents over the age of 65. 6. Kentucky 7. New York 1. Georgia 8. South Carolina 2. Pennsylvania 9. Delaware 3. Mississippi 10. Louisiana 4. Illinois (Forbes - June 2010) 5. Michigan

‘Right to Rent’

Bill To Help Millions Remain Home

$120,483,800

Pac-Man Logo How much do you think the logo of a big-time brand like Google is worth? According to one recent estimate, the number might be around $120,483,800! Known for their unique rotation of homepage logos, Google decided to spice things up this past May with a seriously entertaining playable Pac-Man logo. Exactly how engaging was this interactive logo? Conservative estimates say that the average time spent on the Google homepage went up by a full 36 seconds! That’s some quality logo exposure right there. When factoring in other numbers like 503 million daily visitors, 33 million daily hours spent searching, and a modest assumed visitor income of $25/hour, people estimate Google’s Pac-Man logo destroyed 4,819,352 hours of productivity and cost about $120,483,800 in distracted employee salary. No wonder we’re in a recession! Looking for fun and entertaining ways to put your logo in the spotlight? How about some branded desk puzzles? While not quite worth $120 million in exposure, we think it’s a good start. For those who missed it, Google has made their Pac-Man logo a permanent feature at http:// www.google.com/pacman (blog.epromos.com/)

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Right to Rent would increase the bargaining power and security of homeowners by temporarily changing the rules on foreclosure and allowing homeowners to remain in their homes as renters for a substantial period or time. During this time, homeowners would pay the market rent for the home as determined by an independent assessment. “Right to Rent gives the homeowner security in their home. They will be allowed to stay there for a substantial period of time, allowing their children to stay in their schools and families to prepare for and plan their future moves,” says Dean Baker, co-director of the Center for Economic and Policy Research. “Right to Rent also would make foreclosure much less attractive to investors. This gives

Google’s

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“Several decades ago, nearly 80 percent of our residents would be fully retired,” said Blake. “These days many of our Del Webb communities have about 50 percent still engaged in the workforce. They’re either working part-time, starting new businesses or starting a new full-time career. They want

The full 2010 Del Webb Baby Boomer Survey findings can be found at www.dwboomersurvey.com.

August

With Social Security no longer a primary source of income for many Baby Boomers, there is a growing trend of delaying retirement. Boomers turning 50 this year plan to retire a median of four years later than 50 year-olds in 1996, at age 67 versus 63 years-old. Additionally, among the younger Boomers, 72 percent plan to work in some fashion during their retirement years. For older Boomers age 64—but not officially retired—74 percent plan to work. Interestingly, however, just under 40 percent of the current Boomer retirees surveyed, including Del Webb residents, said they are actually working now.

to stay connected. It’s an important part of well-being to stay connected and productive.”

investors more incentive to modify loans on their own, without the involvement of the government.” (Cepr.net)

Reinventing the

Back-to-School Season It might seem a little early to be thinking about next year’s back-to-school season, but for consumers, there’s no time like the present to plan for the next. And the 1,718 online consumers who responded to PriceGrabber.com’s Back to School Shopping Forecast survey have unique ideas on how they plan to prepare, giving retailers little time to prepare themselves. First off, rather than saving and doing a major spree at the end of the summer, consumers plan to begin their back-to-school shopping early, distributing the cost of their purchase over a longer period of time. In fact, 26% of back-toschool shoppers planned to make purchases before July 2010, 31% plan to begin their shopping in July, and 38% plan to start in August. So what does this mean in terms of money spent? According to the survey, shoppers are still planning to spend as much as they did last year despite their varied spending strategy, which according to 49% of the respondents is due to the need to spread out the cost. A resounding 64% indicated they would not be saving money for back-toschool shopping at all, while a measly 19% said they started saving before April 2010 and 17% started between April and July 2010.

Central New York

“We are not surprised to see this new, optimistic trend of consumer frugality extend to back-toschool shopping,” said Laura Conrad, president of PriceGrabber.com. “Further analysis of the data supports the idea that consumers are trying to absorb back-to-school spending in their monthly budgets by starting their shopping early to distribute their purchases.”

L i f e and H o m e s

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All is not lost for retailers, however. Of those consumers who plan on doing back-to-school shopping this year, 45% plan to spend as much as last year, 41% plan to spend less, and 14% plan to spend more -- not that bad, unless you consider the overstock issues many retailers might have if they planned for a typical backto-school rush at the end of the summer. 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 .

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“The data is clear that consumers are still focused on spending the same amount or less on backto-school purchases this year, even with the expected lift in the recession,” said Barbary Brunner, chief marketing officer at PriceGrabber.com. “However, instead of saving a little bit each month for back-to-school shopping and then making their purchases at once, we are seeing consumers engage in layaway-like behavior by purchasing a few items each month.” The results of this survey are just one indication that it’s no longer enough to measure consumers’ behaviors based on whether or not they think the economy is doing well or failing. It’s also not so much a matter of whether they plan to spend more or less this year than last. The newest factor in the equation is how they’re spending, and it appears they aren’t quite sure about any of it until the moment hits. Perhaps the real question is whether or not retail can adapt to the change. (Source: Retail Merchandiser, 06/24/10)

Outhouse

shapes, from Christmas ornaments to birdhouses. Preservationists who have old farms believe the outbuildings - including barns and summer kitchens - help to tell the story about how the property was originally used, Mansmann said. “Placement was very important,” she said. The outhouse needed to be erected away from the spring so as not to contaminate the water supply, and downwind from the kitchen, she said. Not everyone remembers them so fondly. “If you had to go in the night, you had to run through the yard or find a stream,” said Bill Miller, 72. “You’d sit there at night with the door open and see the skunks run by.” “I hated using them at night. Sitting out there alone was scary,” added Crisafulli, 84. (ObserverReporter - Scott Beveridge)

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Popularity On Rise Sandy Mansmann’s restored 1870s farmstead includes many original outbuildings but, there is one building missing: the outhouse. She has been on a difficult journey to find a replacement to move to her farm in PA’s Nottingham Township. Oddly, outhouses have become a hot, trendy landscaping decoration - maybe because so few of them have survived and people are longing for nostalgia, Mansmann said. They also make great conversation pieces, she added. Retired antiques dealer Lorys Crisafulli said she knows a guy who wants an outhouse so bad he is willing to pay $500 for one. “All of a sudden, everybody wants one,” Crisafulli said. The buildings are featured annually in outhouse calendars, and replicas come in all sizes and

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Richard Parent • 315-768-1680x203

August

Richard Parent • 315-768-1680x203

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3 Bedrooms /2 Baths

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Increase Your Home’s Value With Basement Waterproofing Your home and the things in it are probably the largest investment you’re ever going to make, and it only makes good sense to take care of them. One of the ways you can protect your basement and your belongings as well as increase the resale value of your home is by basement waterproofing.

won’t eliminate the problems, then you need to take a more serious approach. For example, you may need to have the floor dug up and an auxilliary pumping system built into it. Another costly-but-effective solution can be to have the ground around your home dug away so that the foundation can be waterproofed from the outside. By adding a tiling system you can drain water away from your foundation.

If you have any moisture or seepage down there, you know it’s doing damage to your foundation, your floor, anything you have in the basement, and the healthful environment of the whole house. Doing some waterproofing can make a world of difference in the life of your home.

A home with a soggy basement is nothing but more problems waiting to happen. You can end up with structural damage if a foundation wall

There’s been an over-abundance of rain this year, and many people are struggling with water problems in their basements. If you’re one of these people, the type of problem you have will dictate the kind of waterproofing you need to do. Many water problems can be addressed by digging a pit in your basement floor and putting in a sump pump. A sump pump is generally used if the basement of a home lies below the flood plain or in areas that are prone to flooding. Instead of allowing the water to run into your basement, a sump pump will pump it away from your home. For a lot of people, a sump pump takes care of water problems permanently.

L i f e and H o m e s

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Central New York

Some basements have problems with water seeping in through pores in the walls. After all, concrete is a porous material. When this happens, you want to paint the entire wall surface with a waterproofing paint. This paint is formulated to plug the holes in the wall so that water cannot seep through them. The downside to waterproofing paint is that water can still get into your foundation walls from the outside where it can do a lot of damage. Sometimes water problems are so great that there is no simple solution. If a sump pump and paint 6

By Christopher W Smith

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 .

weakens and caves in, your resale value will plummet, and as mold and mildew grow in the damp environment, the health of your family can deteriorate. Doing basement waterproofing to correct the problems right away can save you from a world of hurt later on. Your basement has so much potential - and you can do it yourself. Visit betterbasementideas.com for more tips on basement bar ideas and gunite basement repair and learn how you can do more. (Source:EZinearticles)

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Frankfort

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Clinton

Rome

Sauquoit

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This 5 bedroom home features a first floor master suite, spacious kitchen, 2 story entry, gas fireplace, hardwood floors and more!

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

$324,000

Restored village home. Historic character with modern conveniences. Beautiful master bedroom suite and deluxe kitchen.

$259,900

Meticulous home with soaring ceilings, hardwood ﬂoors, ﬁreplace, beautiful landscaping. Adjacent to the Rome Country Club.

$239,900

Updated farmhouse with new kitchen. Detached garage, barn and guesthouse on 7 beautifully landscaped acres with view.

$419,000

Marcy

$399,500

$129,900

Vernon

$329,000

Traditional style home with fabulous open ﬂoor plan. 4 bedroom home with updated kitchen, large family room and pool!

Utica

$99,900

Conveniently located 3 bedroom ranch with gorgeous yard and oversized deck. Completely updated interior.

August ■

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#1 Coldwell Banker in New York State Coldwell Banker Prime Properties welcomes

Pat Townsend Russia

to our staff of full-time agents. Pat can be reached at

272-9434 (cell) or 768-1680 ext. 218 (ofﬁce).

Frankfort

$419,000

Pristine contemporary on 3.6 acres. Deluxe high-end kitchen with granite and stainless steel, 2 story, greatroom with ﬁreplace. Gaetano Belmonte Ext. 202

Central New York

Marcy

$269,000

New construction in your Dreams?? Several locations-your lot-ﬁnd a lot for you! 6000 Eureka, W’moreland, only 224,900. Buckland Estates starting at $269,000. Laura Minard Ext. 205

Marcy

Clinton

$249,900

Magnificent view and privacy. 3 BRs, 2.5 baths, gorgeous kitchen with all appl. double garage and more on 2.25 acres. Only 10 years young. Website: www.3871skylinedrive.com and smile. Call today.

Kathy White

Ext. 215

Whitesboro

$375,000

INTOXICATING interior with designer accents. Awesome 4 bedroom 3 bath home; park-like setting. Call Gloria at 868-8686. Gloria Rocci Ext. 217

Remsen

$219,500

Expanded cape on 6 park-like acres on the Cincinnati Creek. Home features living room with cathedral ceiling and ﬁreplace, curved staircase. Gaetano Belmonte Ext. 202

Frankfort

$259,900

Builder is downsizing! Own this custom home with 3200 sq.ft, large private setting. 4BRs, 2.5BAs, 3 car gar. are just some of the features you will enjoy! Laura Minard Ext. 205

Clinton

$214,900

Historic village home with large private yard. This 2830 square foot home features ﬂexible ﬂoorplan and large principal rooms. Gaetano Belmonte Ext. 202

West Turin

Taberg $295,000 4097 Wilson Rd East 4 bedroom, 2 bath open ﬂoorplan, inground pool, 600ft of waterfront on Florence Creek! Ryan Kirch

Ext. 222

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$279,000

Located on 10.7 private acres. Pole Barn with electric, gas & water. Updated interior with custom window treatments. Call for more details. Debbie Roberts Ext. 239

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4957 Commercial Drive Yorkville NY

Call 768.1680 8

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Home Highlight

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L i f e and H o m e s

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Gorgeous Energy Star home with fabulous floor plan, cherry kitchen with granite countertops, hardwood floors and other fine upgrades. Gaetano Belmonte Ext. 202

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Ext. 205

Camden

$209,900

3 BR 2BA ranch on 2.3 acres-Mad river waterfront. Finished basement. Beautiful eat-in kitchen, deck & covered patio! Ryan Kirch

New Hartford

Ext. 222

$139,900

Adorable expanded cape, gleaming hardwood ﬂoors, ﬁreplace, new deck. 2 full updated baths. All this in a great neighborhood. See this one soon it can’t last. Laura Minard Ext. 205

Holland Patent

$109,900

Amazing village home with updates galore! Formal LR & DR, updated country kitchen, 1.5 newer baths, ofﬁce, 1st ﬂoor laundry, 3 bedrooms. Call for updates! Jodie DeCosty Ext. 201

Colonial Square

$189,900

Twin & single family homes starting at $189,900 nearing completion, 3BR/2BA. 2BR/2BA twin special $$, through Aug! Single family loaded, must see to believe! Laura Minard Ext. 205

Rome

$136,500

Beautifully maintained 1,400 + sqft Ranch offers 3BRs, Lge formal DR, updated Oak kit. with all newer appliances. There is more.1/2 mile from Delta Lake & privacy to boot. Kathy White Ext. 215

South Utica

$89,900

Remarkable South Utica house is ready for you! 4 bedrooms, living room, family room, formal dining plus fenced yard. Lisa Filletti

Ext. 206

Marcy

$189,900

A great house at a great price! This 4 BR 3BA home offers lots of room for E-Z entertaining. Lots of updates throughout. Call Gloria at 868-8686 Today! Gloria Rocci Ext. 217

Lee Center

$118,900

New Hartford

$159,500

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

Russia

Ext. 202

$117,500

3 bedroom ranch on 1.7 acres with inlaw or rental, 3 bedroom manufactured home on property. Seller is motivated.

Fantastic village setting! Open kitchen layout & formal DR, 16X32 pool, huge rear deck! Minutes from the city yet country living!

Pat Townsend

Richard Parent

Oneida

Ext. 218

$87,500

Very nicely maintained through out. 2 nice sized bedrooms, walk in closet, 1.5 baths, formal dining, fully applianced eat in kitchen. A Beautiful yard. Call Today. Kathy White Ext. 215

Herkimer

Ext. 203

$86,900

Tastefully updated top to bottom! Gorgeous new maple kitchen, beautiful original plank ﬂoors, nice yard, close to everything, move right in! Richard Parent Ext. 203

Rome

$149,900

Beautiful kit w/vaulted wood ceiling, 3BRs (lge mstr) 1.5 updated baths, multi level deck overlooks yard and new inground pool. Jodie DeCosty Ext. 201

New Hartford

$114,900

Cute as a button! Updated througout; eat-in kitchen opens to LR. Features 3 BRs, vaulted ceilings, & hardwoods plus much more. Call for details. Jodie DeCosty Ext. 201

Utica

$73,000

Very nice 2 family. Updated Oak kitchen w/ stainless appliances. 30 yr asphalt roof is 5yrs old, siding 2yrs. Full bath in basement. Pat Townsend Ext. 218

August ■

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

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West Utica - 2 Units

$54,900

South Utica - 2 Units

$79,900

East Utica - 3 Units

Yorkville

$74,900

South Utica

$84,900

New Hartford

Very well maintained 2 family with 3 bedroom each floor. Separate utilities. Newer siding, windows, 1st floor bath and kitchen. 315-525-7600

Bozena Sroczyk

Well maintained 2 Family with 3 bedrooms on the 1st floor and 2 large bedrooms on 2nd floor. Great location, so close to many conveniences. 315-525-7600

$129,900

Commercial 3 story brick building. Current use level 1: Bar/ Restaurant with all equipment, level 2: apt with 3 bedrooms and level 3: apt with 4 bedrooms. 315-525-7600

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

Spacious Bungalow offers 3 bedrooms, 1.5 Baths, nice living room. Formal dining room, hardwood floors, new counter top, & tile. 315-525-7600

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$99,900

Nice 3 bedroom ranch with all appliances. Newer roof, bath and sun room. Convenient location, close to school and shopping. 315-525-7600

Platform Queen Beds Starting at $199.00

Central New York

Milano

L i f e and H o m e s

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4670 Commercial Dr. New Hartford, NY 13413 (315) 768-9000 • Across From K-Mart 1239 Erie Blvd., West Rome, NY 13440 (315) 336-2500 • Across From Lowe’s * FREE Removal of Old Bedding With Purchase of $344 or More

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New Nest Realty

Posson Realty LLC

Amy La Clair • 315-790-4153

David Posson • 607-316-3758

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9551 Mullen Hill Road

3262 Oneida Street

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

3 Bedrooms / 1.5 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #41735

Phyllis Goworek • 315-335-2745

Assist2Sell Seller’s and Buyer’s 1st Choice! Stephen Bartlett • 315-794-4549

Oneida County - FSBO FSBO • 0@0.com

Realtor • sbartlett@assist2sell.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Canastota

Licensed Mortgage Banker NYS Banking Dept

Clinton

2590 State Route 31

$174,900

$475,000 6/8 Taylor Ave / 41.5 Utica Street

Drastically needs to sell

Development Opportunity

For more details visit www.LifeandHomes.com Type in Quick Search #41766

For more details visit www.LifeandHomes.com Type in Quick Search #41608

Dellecese & Longo Realty

Clinton Real Estate

JoAnn Longo • 315-733-5394

Barbara Frank • 315-853-4400

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

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Canastota

Licensed Mortgage Banker NYS Banking Dept

Clinton

5770 Buyea Rd.

$99,000

$179,900 315 Stafford Circle North

6 Bedrooms / 2.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41488

For more details visit www.LifeandHomes.com Type in Quick Search #41739

Thelma Chase • 315-363-5464

Assist2Sell Seller’s and Buyer’s 1st Choice! Stephen Bartlett • 315-794-4549

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

Realtor • sbartlett@assist2sell.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Canastota

Licensed Mortgage Banker NYS Banking Dept

Clinton

$112,000

$62,900

201 2nd Street

3517 NYS Route 12

2 Bedrooms / 1.0 Baths

4 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41727

For more details visit www.LifeandHomes.com Type in Quick Search #41734

Janet Mautner • 315-363-9191

Assist2Sell Seller’s and Buyer’s 1st Choice! Stephen Bartlett • 315-794-4549

Kay Real Estate

Assoc. Broker • kayhomes@dreamscape.com

Realtor • sbartlett@assist2sell.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Stephen Bartlett

Seller’s & Buyer’s 1st Choice!

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

No Job Too Small!

www.Life and Homes .com

L i f e and H o m e s

147 Genesee St, New Hartford, NY 13413 Phone: 315-735-9244 Cell: 315-794-4549 Fax: 315-735-6941 Email: SBartlett@Assist2Sell.com

315-732-9577

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America’s Leading Discount Real Estate Company

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

August

License Salesperson Assist 2 Sell

Licensed Mortgage Banker NYS Banking Dept

LifeandHomes.com Clinton

Open Market Listing Service™ Constableville

137 COVENTRY PLACE

$499,900

$127,000 3706 Sweeney Road / 15 Acres

4 Bedrooms / 2.5 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41705

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

Clinton Real Estate

Barbara Dunn Realty

Barbara Frank • 315-853-4400

Barbara Dunn • 315-337-1677

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

Broker/Owner • dunrealt@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

Licensed Mortgage Banker NYS Banking Dept

Deerfield

$240,000

6166 Smith Hill Road

4 Bedrooms / 2.5 Baths

4 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41034

For more details visit www.LifeandHomes.com Type in Quick Search #41719

Barbara Frank • 315-853-4400

Mohawk Valley 1st Choice Realty-Ilion Joanne Zennamo • 315-868-3226

Clinton Real Estate

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

Associate Broker • zennamo@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

Licensed Mortgage Banker NYS Banking Dept

Dolgeville

$139,900

22 Cline Street

4 Bedrooms / 1.0 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41687

For more details visit www.LifeandHomes.com Type in Quick Search #41729

Barbara Owens • 315-853-4400

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

Associate Broker • info@barbaraowens.com

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

Licensed Mortgage Banker NYS Banking Dept

Durhamville/Verona

$204,900

6659 Higginsville Rd.

3 Bedrooms / 2.0 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41688

For more details visit www.LifeandHomes.com Type in Quick Search #41486

Barbara Owens • 315-853-4400

Thelma Chase • 315-363-5464

Don Kingsley Real Estate

Associate Broker • info@barbaraowens.com

Assoc. Broker • thinkthelma@twcny.rr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Constableville

Licensed Mortgage Banker NYS Banking Dept

Durhamville/Verona $148,900

$99,900

3708 Sweeney Road

6651 Higginsville Rd.

2 Bedrooms / 1.0 Baths

3 Bedrooms / 3.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #41484

Barbara Dunn • 315-337-1677

Thelma Chase • 315-363-5464

Barbara Dunn Realty

Don Kingsley Real Estate

Broker/Owner • dunrealt@aol.com

Assoc. Broker • thinkthelma@twcny.rr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Central New York

Licensed Mortgage Banker NYS Banking Dept

utica

513 Briarcliff Ave

Licensed Mortgage Banker NYS Banking Dept

$135,000

Move right in to this freshly painted 4 bedroom/1.5 bath bi-level in popular North Utica neighborhood. Fireplaced family room, fenced yard, newer roof, furnace and central air. Many updates. Easy to show.

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L i f e and H o m e s

$99,900

128 Fountain View

Clinton Real Estate

John Brown 315-735-2222 12

$89,000

7212 Reservoir Road

Clinton Real Estate

FAITH PROPERTIES

$149,000

3585 Ernst Road

Or go to LifeandHomes.com, type in QSN# 41753

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 .

Featured Home

Open Market Listing Service™ Forestport

MP CA

LifeandHomes.com Lee Center

$249,500

4 South Shore Road

$129,000

9121 State Route 26

2 Bedrooms / on White Lake For more details visit www.LifeandHomes.com Type in Quick Search #41721

For more details visit www.LifeandHomes.com Type in Quick Search #41720

Clemens-Beckley Real Estate

Gladys Winterton • 315-334-1046

Wendy Palinski • 315-334-1046

Lic. R.E Salesperson • GLADYSWINTERTON@YAHOO.COM

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Frankfort

$419,000

117 Haddad Drive 4 Bedrooms / 2.5 Baths

Licensed Mortgage Banker NYS Banking Dept

NT RO F KE LA

For more details visit www.LifeandHomes.com Type in Quick Search #41708

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Herkimer

$54,500

Lyme

$500,000

NYS Rte 12E 57 Acres For more details visit www.LifeandHomes.com Type in Quick Search #41565

Lake Ontario Rlty

April Marvin • 315-778-8042 Lic. R. E. Salesperson • lakeontariorealty@yahoo.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Marcy

$179,900

333 Eureka

7217 Fox Road

3 Bedrooms / 1.0 Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33857

For more details visit www.LifeandHomes.com Type in Quick Search #41740

Anthony Fumarola • 315-732-3456

Assist2Sell Seller’s and Buyer’s 1st Choice! Stephen Bartlett • 315-794-4549

A.Fumarola /Joyce Realty Broker/Owner • anthony.fumarola@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Lakeport

$878,000

Realtor • sbartlett@assist2sell.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Marcy

$299,900

100 Harbor Shore Drive

Buckland Estates

6,000 sq ft Townhouse

New Construction

For more details visit www.LifeandHomes.com Type in Quick Search #33879

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

Maria E. Dailey • 315-336-0433

Buck Contruction • 315-736-0865

National M&D Dailey Realty Broker/Owner • dailey.realty@gmail.com

Contractor/Developer • alyssabuck@buckconstruction.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Lee

Buck Construction

$86,500

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Mohawk

$89,000

8654 Willow Dr.

38 Church Street

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41742

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

Tony Abone • 315-339-2222

Leslie Nicolette • 315-985-0212

RE/Max All Pro

Broker/Owner • proabone@cnymail.com

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Smith Inspection Services, llc

PO Box 126, Sherrill, NY 13461

Call 315-363-8074

Licensed Real Estate Broker Professional & Courteous Real Estate Services

(315)790-4153 visit us on the web @ www.newnestrealty.com

Joanne Zennamo

Associate Broker Mohawk Valley 1st Choice Realty

FSBOs, APOs, market analysis, deposits, lawyers, open houses, contracts, closings! Wow! It doesn’t have to be that complicated, I promise. Give me the opportunity to simplify the process for you. Start by calling me today and let’s enjoy the sale or purchase of your home together. Ilion: 315-895-4460 New Hartford: 315-735-4460 Cell: 315-868-3226 www.Life and Homes .com

L i f e and H o m e s

35 Years Commercial Construction Experience 5 Years Home Inspection Experience

Amy La Clair

Licensed Mortgage Banker NYS Banking Dept

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

New Nest Realty

Low Mortgage Rates • Homestead Financial 315-768-1980

August

Serving Central NY and the Mohawk Valley

Bruce Ward & Company

LifeandHomes.com New Hartford

Open Market Listing Service™

$75,900

14 Dixon Road

$109,500 21 Sycamore Drive West

2 Bedrooms / 1.0 Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41648

For more details visit www.LifeandHomes.com Type in Quick Search #41695

A.Fumarola /Joyce Realty

Anthony Fumarola • 315-732-3456 Broker/Owner • anthony.fumarola@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

$349,900

Licensed Mortgage Banker NYS Banking Dept

New York Mills

$129,900

3 Bedrooms / 2.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #41738

Buck Contruction • 315-736-0865

Assist2Sell Seller’s and Buyer’s 1st Choice! Stephen Bartlett • 315-794-4549

Licensed Mortgage Banker NYS Banking Dept

New Hartford

$164,900

Realtor • sbartlett@assist2sell.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Norwich

9915 Roberts

$450,000 Chenango Cty Equine Facility

3 Bedrooms / 1.5 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41748

For more details visit www.LifeandHomes.com Type in Quick Search #41528

Coldwell Banker Faith Properties

Deborah Hapanowicz • 315-723-7210 Lic. R.E Salesperson • dhapanowicz@gurbr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

$159,500

Posson Realty LLC

David Posson • 607-316-3758 Broker/Owner • possonrealty@frontiernet.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Norwich

38 Forest Road

$350,000 Chenango County Dairy Farm

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41710

For more details visit www.LifeandHomes.com Type in Quick Search #41529

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

$159,000

Posson Realty LLC

David Posson • 607-316-3758 Broker/Owner • possonrealty@frontiernet.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Oneida

$67,500

14 Cascade Drive

372 Stone Street

3 Bedrooms / 1.5 Baths

5 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41768

For more details visit www.LifeandHomes.com Type in Quick Search #41728

Dellecese & Longo Realty

JoAnn Longo • 315-733-5394

Assoc. Broker • kayhomes@dreamscape.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Kay Real Estate Kay Real Estate, established in 1983, has been serving Oneida and surrounding areas for 25 years. Their success can be partly attributed to the community itself by being centrally located between 2 major cities helping to make Oneida an excellent place to reside. Please feel free to contact us to discuss how we can assist you with your real estate needs. 126 Main St., Oneida, NY • 315.363.9191 • www.kaysteam.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 .

Kay Real Estate

Janet Mautner • 315-363-9191

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

Central New York

Lic. R.E Salesperson • wirelessone26@yahoo.com

11 Elm Street

Contractor/Developer • alyssabuck@buckconstruction.net

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Mark Enjem • 315-292-3200 Low Mortgage Rates • Homestead Financial 315-768-1980

3 Bedrooms / 2.0 Baths

Low Mortgage Rates • Homestead Financial 315-768-1980

L i f e and H o m e s

Senshine Real Estate

10132 Mallory Rd.

Buck Construction

New Hartford

Barbara Dunn Realty

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clemens-Beckley Real Estate, Inc. 420 N. Washington St. Rome, NY 13440

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

315-334-1046

Kathy White

We Never Stop Moving

Lic. Assoc. R.E. Broker

4957 Commercial Dr Yorkville, NY 13495

Relocating Families for over 23 years!

315-768-1680

Oneida

Clinton

$87,500

$249,000

268 Belmont Avenue

3871 Skyline Drive

What a great family home. Offering 1.5 baths, Din. Area & Din. Rm, Paneled Sun Room. Den, Living Room, Fully appl. kitchen W-breakfast counter. Most windows have been replaced. 2nd floor offers, computer area or office, two good sized bedrooms walk in closet & 1/2 bath. Double lot and very nice yard. For more information: www.268belmontavenue.com

Spectacular views.Home offers an open floor plan,Central Air Conditioning, Gorgeous fully appliance Kitchen with center Island tile flrs in ent. bath & kit. Private deck to enjoy beautiful sunsets with friend and family.Siding is composit with a 50 year warranty. Turn around driveway. There is more. Check out the web site at www.3871skylinedrive.com

Rome

Whitesboro

$136,900

$130,000

7100 Townline Rd

103 Main St

What a great home and so close to Lake Delta,many updates include flooring, most windows, roof, septic, well, beautiful bright updated kitchen with newer appliances. Hardwood and laminate flooring. Freshly painted rooms and more.Large storage building. Super location with privacy. Check out the website: www.7100townineroad.com

What a great income property. Three stores, long time tenants. Two 2nd floor apartments and 1st floor studio. Super location with parking across the street. Parking fee is $75.00 per month for the entire building. Leases, expenses and survey with broker. 6 Units- Price Reduced!

New Hartford

$237,750

1434 Graffenburg Rd Very private setting. Enjoy the privacy on the 61’ deck across the back. Out side fireplace included. All New gorgeous kit/w Appl, New Arch Shingle Roof & Hot water heater 09,some new replacement windows, new french door to deck in 05’,new Elec. Ent 09’ hardwood floors, double garage and more. Check out the website at www.1434graffenburgroad.com

Marcy

OT TL N CA VA

$16,000 Ridgecrest Rd Lot size 140’ X 240’ Perfect location and setting for a A-Frame , Raised Ranch or Split Level. Wooded and sloaping wtih an Adirondack feel. Water, Sewer and Electric available at the Road. Whitesboro School System. Just minutes form North Utica and Route 49.

#1 Selling Coldwell Banker in the Mohawk Valley FAITH PROPERTIES

2306 Genesee Street, Utica, New York

723-2270

Visit my Web Site for the easiest Mohawk Valley searches: www.Jim.centralnewyork.com

Jim Lenahan is Here to lend a hand to Buyers as an Accredited Buyer’s Agent and Sellers as a Dedicated Seller’s Agent. Call, e-mail or text anytime.

$94,900

Motivated Sellers! Bring offer! Updated kitchen, windows, siding, roof, appliances, H/WTank, garage opener.Well insulated, all appliances stay. Has 2BDRM & FR in basement. Living room has hdwd, and wood frpl.$2000 bonus to buyer at closing. MLS #1000499

Utica

$94,900

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

August

Jim Lenahan

Rome

Associate Broker, GRI Designation

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jim@centralnewyork.com

Clinton

$169,900

Energy eﬃcient home w/new windows, insulation, woodstove & septic/leach field. HDWDs, Master BA w/Jacuzzi tub, 1000 sq ft of finished lower level for extra BR, business,or In-law apt. Nice backyard w/deck, 1st flr laundry, 1 car gar, Clinton Schools. MLS #1002420

Clayville

$299,000

Historic federalist colonial landmark home of clay manor sits on over 13 acres. Features 5 fireplaces, fountain, plank floors, 3 porches, elevator, original doors, woodwork, new carpet, new roof over 4000 ft of living area. MLS #1000040

Oneida Lake

$385,000

On the South Shore of Oneida Lake, you will find this brand new lakefront home! Radiant heat, JennAir SS appliances, granite counters, ceramic tile, walnut flrs, cathedral ceilings, 2 gas frplc, open flr plan, 32x24 2 story gar, double lot. MLS #1001100

www.Life and Homes .com

L i f e and H o m e s

Cell: 315-723-2270 Ofﬁce: 735-2222 Ext 20

Average Home

Days On Market: Yorkville $84,900

New Hartford $8 4,900

Our DOM :

3 0 Days

www.GetP ackingCN 2123 Walcott Ave, ed and loved, Long time family ownhere! there’s much to like

Paris $99,900

12 Gridley Blvd open plan and Start with a fantastic add loads of updates!

Utica $109,9 00

2812 Lovely Milton Pla SuperbRemodeledce S.U Neighb orhood tica Bungalo ! w.

Frankfort $169,900

67,000 Holland Patent $1

Central New York

7939 Steuben St of the 19th century Charm & character dern amenities. blended with the mo

Utica $119,900

2657 Oneida St A wonderful open r plan, and new island kitchen withfloo stainless appliances.

,000 New Hartford $120

404 Hacadam Rd Built with a timeless app of craftsmanship rarely eal and level seen today.

9297 Mallory Rd ily owned Great long-time fam homestead!

Jorda n Guy Operations

Faith Properties The Jay Groah Team

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L i f e and H o m e s

Y.com

87 Oakdale Ave S You’ll love this beautifully home with a new light remodeled and bright kitchen.

Licensed Real Estate Sales Agents

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

Jay

Listing Co ordinator

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

Bra ndon ialist Bu yer Spec

#1 Selling Coldwell Banker in the Mohawk Valley FAITH PROPERTIES

2306 Genesee Street, Utica, New York

735-2222

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

â&#x2013;

Jay Groah

Rick Rodio

www.Life and Homes .com

L i f e and H o m e s

Congratulations to these Two Top Selling Agents!

August

June Stars

SCAMPONE REAL ESTATE 797-7100

G TIN

LIS W

Oriskany

$289,000

Nearly new country cape situated on a partially wooded private lot. 1st ﬂr mst suite, FR w. FP. Great kit w/ brkfst area. Formal dining leads to trex decks & enclosed sunporch. 3 more bedrooms, bath & attic access on 2nd lvl. Finished basement w/ wet bar, 1/2 bth & ofﬁce. ICE

South East Utica

$219,000

$164,900

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. MLS # 1000641

ICE

South East Utica

$131,900

Central New York

$249,900

3 bdrm, 2 bth ranch, nearly 1800 sq ft, hrdwds, formal dr & lr, fplcd fr w/built in wet bar, eat in kit, mstr bth. Sliders from kit & mstr bdrm to private backyard, hot tub ingrnd pool. Many amenities & updates.

ICE

Sylvan Beach

MLS #1002296

New Hartford

$134,900

Immaculate updated, 3 bdrm, 1 bth, year round home. Situated on a double lot with a covered pavilion. Completely renovated in 1995 w/open concept of living room & kitchen. Let your summer fun start here or enjoy all year round. MLS #1001534

Frankfort Condo

Frankfort Townhouse

$109,900

$89,900

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.

$109,900

Totally renovated townhouse in rolling hills. Newer roof, new kitchen, ﬂooring, appliances, windows, insulation, heating & air conditioning. Better than new. Nicely Done. MLS #1001972

G TIN

LIS

MLS #1000824

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 .

$189,000

Don’t miss this spacious ranch w/ incredible views. This home boasts 3 bdrms, 1 1/2 baths and has a new kitchen w/ stainless appliances. Many updates within past 3 yrs include furnace, windows, roof, gutters, 200 amp service, doors, deck, added insulation and a 1/2 bath.

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

New Hartford

This house has been gutted and rebuilt on its interior; cosmetics & mechanics. Large sunken family rm. Tiled foyer, kit & bths. 1st fl master w/bth. Laundry in 1st fl 1/2 bth, 2nd fl has open computer/ play area. Double lot. Screened sunprch. Affordable ownership. Low taxes. A must see. MLS #1002355

West Utica

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G TIN

LIS

$139,900

South Utica

Dont miss this one! New siding, roof, furnace, windows and bath. Updated electrical & plumbing. 3 br, formal dr, large principal rooms. Master br large enough for reading nook or seating area. Fenced backyard. Call today! MLS # 1000853

MLS #1000130

$240,000

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

$199,000

Much sought after one level unit in rolling hills. Totally renovated, new kitchen ﬂooring, appliances, windows, roof, insulation, heating & air conditioning. Better than new! Nicely done. MLS #1001973

$92,900

South East Utica

Newly Constructed 3 bdrm 2 bth ranch in the Whitetail Meadows development. Gorgeous brick oven kitchen w/ maple cabinets, LR, DR, breezeway. Completed w/ lawn, driveway, walkway. Turn key! MLS #1000465

Updated 3 bedroom, 1 bath ranch in a very desirable East Utica location. All new vinyl windows, drive, interior & exterior doors. New bath, freshly painted interior, hardwoods throughout. Updated furnace & electrical. Steel beam construction.

MLS # 1001081

L i f e and H o m e s

New Hartford

South East Utica

Popular SE Utica location offers this 4 bdrm colonial in mint condition. Situated on over 1 acre w/private rear yard. Gorgeous updated kit, fr w/full wall of brick ﬁreplace & hdwds. Generous sized bedrooms. If you are quality conscious, this is the home for you! MLS # 1001373

New Hartford

N TIO UC TR NS O C

New Hartford

$57,500

This 3 bedroom double wide located in Applewood has it all. Enclosed porch, central air, living room w/ ﬁreplace and much more. Lot rent $385 per month. MLS #1002367

LifeandHomes.com

Open Market Listing Service™ Oneida

Rome

$69,900

112 Williams Street

401 W Dominick Street

2 Bedrooms / 1.0 Baths

High Visability Corner Lot

For more details visit www.LifeandHomes.com Type in Quick Search #41724

For more details visit www.LifeandHomes.com Type in Quick Search #41623

Kay Real Estate

National M&D Dailey Realty

Janet Mautner • 315-363-9191

Maria E. Dailey • 315-336-0433

Assoc. Broker • kayhomes@dreamscape.com

Broker/Owner • dailey.realty@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Oneida

Licensed Mortgage Banker NYS Banking Dept

Rome

$79,900

218 Broad Street

$64,900 106 D’Angelo Ave - Commercial

3 Bedrooms / 1.0 Baths

Turn-key

For more details visit www.LifeandHomes.com Type in Quick Search #41726

For more details visit www.LifeandHomes.com Type in Quick Search #41743

Kay Real Estate

RE/Max All Pro

Janet Mautner • 315-363-9191

Tony Abone • 315-339-2222

Assoc. Broker • kayhomes@dreamscape.com

Broker/Owner • proabone@cnymail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Oneida Castle

Licensed Mortgage Banker NYS Banking Dept

Rome

$78,000

6199 Lorena Road

3 Bedrooms / 1.0 Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41487

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

1St. Rome Realty

Thelma Chase • 315-363-5464

Tracy Winterton • 315-335-3843

Assoc. Broker • thinkthelma@twcny.rr.com

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Other

Licensed Mortgage Banker NYS Banking Dept

Rome

$279,000

2 Carmel Drive

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41539

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

1St. Rome Realty

April Marvin • 315-778-8042

Tracy Winterton • 315-335-3843

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

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Richfield Springs

Licensed Mortgage Banker NYS Banking Dept

Rome

$235,500

$357,000

1287 Cty. Hwy. 25,

406 W. Oak Street

6 Bedrooms / 2.0 Baths

4 Bedrooms / 3.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41756

For more details visit www.LifeandHomes.com Type in Quick Search #33770

National M&D Dailey Realty

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

Maria E. Dailey • 315-336-0433

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

Broker/Owner • dailey.realty@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

NYS License#: 16000019454

Brian Dornburgh 315-865-6793 814-512-2275

bdornburgh@twcny.rr.com

Professional Affordable

■

Done on Time. We don’t only inspect, we educate you about your new home and give you

Peace of Mind.

www.Life and Homes .com

L i f e and H o m e s

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

Licensed Mortgage Banker NYS Banking Dept

August

MidState Contracting

315.335.8073

$54,000

25030 Co. Rte. 53

Lake Ontario Rlty

7710 McKern Rd Rome, NY

$175,000

3826 Prospect St.

Don Kingsley Real Estate

Barry Kotary

$135,000

LifeandHomes.com Rome

Open Market Listing Service™ Stockbridge

$59,500

534 Mill Brook Road

5936 Streeter Road

3 Bedrooms / 1.5 Baths

3 Bedrooms / 1.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #41765

We Buy/Sell Houses • 315-264-9235

JoAnn Longo • 315-733-5394

Oneida County Real Estate Investors

Dellecese & Longo Realty

Investor • phpenterprises@hotmail.com

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

Licensed Mortgage Banker NYS Banking Dept

Sylvan Beach

$82,900

304 Glen Road North

$78,000 306 & 308 20th Avenue - Duplex

3 Bedrooms / 1.5 Baths

side-by-side

For more details visit www.LifeandHomes.com Type in Quick Search #41741

For more details visit www.LifeandHomes.com Type in Quick Search #41725

Tony Abone • 315-339-2222

Janet Mautner • 315-363-9191

RE/Max All Pro

Kay Real Estate

Broker/Owner • proabone@cnymail.com

Assoc. Broker • kayhomes@dreamscape.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

Licensed Mortgage Banker NYS Banking Dept

Sylvan Beach

$209,900

503 16th Ave

4 Bedrooms / 2.5 Baths

Seller Financing

For more details visit www.LifeandHomes.com Type in Quick Search #41744

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

Tony Abone • 315-339-2222

Steve Ruscitto • 315-762-4488

Oneida County Real Estate Investors

Broker/Owner • proabone@cnymail.com

Investor • steve@cnyres-q.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Sauquoit

$112,000 9330 Pleasant View Drive

Sylvan Beach

3 Bedrooms / 1.0 Baths

Seller Financing

For more details visit www.LifeandHomes.com Type in Quick Search #41736

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

Assist2Sell Seller’s and Buyer’s 1st Choice! Stephen Bartlett • 315-794-4549

Steve Ruscitto • 315-762-4488

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Schuyler

Licensed Mortgage Banker NYS Banking Dept

Utica

$39,900

1120 Schuyler

Level Lot w/ Views

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41732

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

NeuDot Realty

Dorothy Neumann • 315-527-3542

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

Broker/Owner • neu.dot@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Central New York

Licensed Mortgage Banker NYS Banking Dept

featuring

Bill Lake Homes

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

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

Several log home plans are available, with many different log styles to choose from. We offer 3 species of wood and optional roof systems. The possibilities are endless...

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

■

$24,900

Bush Road

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

L i f e and H o m e s

$67,000

1314 Vienna Rd

Realtor • sbartlett@assist2sell.com

$69,000

7918 Lauther Road

RE/Max All Pro

KD Homes

$114,900

"Our goal is to provide you with a no pressure, turn-key home building experience log or stick built."

Q Log Homes Q Timber Frame Construction Q Fireplaces Q Basements Q Decks Q Custom Kitchens Q Additions

Q General Contracting Q Carpentry Q Plumbing Q Masonry Q Roofing Q Electrical work

START LIVING YOUR DREAM TODAY!

Call Dean Case 315-942-4949 • Cell 315-534-3319 • Fax 315-942-2527 Adirondack Builders, Inc. is an independently owned and authorized dealer/builder for Tennesee Log Homes.

Advanced Home Inspection Service LLC 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

http://www.advancedhomeis.com

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

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

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

Ph: 315-891-3254

MLS#1002397

QSN#41521

QSN#41520 “The Key to your front door”

Wampsville

$189,900

Rome

$74,900

Old World Charm with modern coveniences. 4 bed, 2 full bath home completely renovated. Oneida Schools.

Spacious 2 family with 2 car garage. Additional lot. Great opportunity to live in one and rent the other.

QSN#41379

QSN#41380

Rome

$59,900

3 bed ranch - could be 4. Has main floor laundry. Nice layout. Convenient location. Good sized back yard.

Denise Witchley Lic. Real Estate Broker/Owner 337-0841 oﬃce 335-6971 cell 337-7973 fax

QSN#41157 For more information on any of these homes, visit

www.LifeandHomes.com and type in the QSN#

$87,900

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!

Rome

$65,900

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.

Rome

Farm/Land

Investment Rome

2 family 3 beds each, garage

$149,900 QSN #33888

$49,000

QSN #41230

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

www.Life and Homes .com

L i f e and H o m e s

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.

Rome

■

$57,000

August

Rome

LifeandHomes.com Utica

Open Market Listing Service™ Utica

$74,900

North Utica

6 Bedrooms / 2.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41573

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

Dorothy Neumann • 315-527-3542

Buck Contruction • 315-736-0865

NeuDot Realty

Buck Construction

Broker/Owner • neu.dot@gmail.com

Contractor/Developer • alyssabuck@buckconstruction.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

$29,900 1400 Seymour Ave - 2 units

Utica

5 Bedrooms / 2.0 Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33982

For more details visit www.LifeandHomes.com Type in Quick Search #41767

Dorothy Neumann • 315-527-3542

JoAnn Longo • 315-733-5394

Dellecese & Longo Realty

Broker/Owner • neu.dot@gmail.com

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

Licensed Mortgage Banker NYS Banking Dept

Utica

$59,900

$105,000

3 Sherman Place

44 Faxton Street

4 Bedrooms / 2.0 Baths

5 Bedrooms / 2.1 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #41764

Tony Myers • 315-525-6291

JoAnn Longo • 315-733-5394

The Nehemiah Fund

Dellecese & Longo Realty

Investor • tonymyers@verizon.net

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

$74,900 15 Hampden Place - 2 family

Utica

6 Bedrooms / 2.0 Baths

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

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

Tony Myers • 315-525-6291

$62,900 905 Springate Street - 2 units

The Nehemiah Fund

Investor • tonymyers@verizon.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

Licensed Mortgage Banker NYS Banking Dept

Vernon

$129,900

$154,900

630 Utica Road

4588 Verona Street

3 Bedrooms / 1.5 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41737

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

Assist2Sell Seller’s and Buyer’s 1st Choice! Stephen Bartlett • 315-794-4549

Amy La Clair • 315-790-4153

New Nest Realty

Realtor • sbartlett@assist2sell.com

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

■

Central New York

Licensed Mortgage Banker NYS Banking Dept

L i f e and H o m e s

$120,000

928 Arthur Street

NeuDot Realty

800-432-8669 www.SuperiorPlusEnergy.com

$319,900

29-31 Leslie - 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 .

2400 Sunset Ave Utica, NY 13502

(P) 797.2400

Built by:

New Hartford 2A King Fisher Lane Truly a masterpiece built with the finest materials and impeccable craftsmanship. Extremely energy efﬁcient. Unlike any other home of its kind, a must see! MLS#1002067

Alexander Sen

www.Life and Homes .com

L i f e and H o m e s

Senshine Real Estate LLC (C) 725.7167

■

Licensed Real Estate Broker

$949,900

August

Brought to market by:

• Situated on 1.7 Acres • 2,700 Sq ft ranch style home • 2,900 Sf ft lower level with walk out • 1,200 Bonus space 2nd flr. • Radiant heating • Oversized 2 stall garage heated, finished, 12ft cedar doors • Veranda, cedar decks, • 2 Fireplaces • Integrated audio/visual system • Oversized master bath

#1 Selling Coldwell Banker in 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

Cindy Lazzaro

Anthony Vaccarelli Audrey Johnson

JC Pantola

Jenny Carabin

Barb Roberts

Jim Lenahan

Ben Tringo

Susan Martorell

Bitsy Maye-Rattler Bozena Sroczyk

John Brown

Patti Palumbo

Cindy Major

Judy Hinman

Cliff Ganey

Keith Schuderer

Deborah Hapanowicz

Bert McCumber

Derby Family

Kelli Inserra

Linda Peters

Diane Lockwood

Henri Abiyaghi

Lori Hamlin

Lori Scalise

Ismail Yildirim

Jay Groah

Marcia Archibald Pauline Nicoterra

Michelle Faga

Rick Rodio

Veronica Coe

Susan Bradley

Rosemarie Costello Brandon Borowiec

August â&#x2013;

www.Life and Homes .com

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

$499,900

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

New Hartford

$439,900

Magniﬁcent 4 bedrm, 2.5 bath, colonial. FR, DR. Applianced, gourmet kit. 4 season sunroom overlooking park-like yard. Double garage. MLS#102129 www.Campionweeks.com 735-8515

West Frankfort

$234,900

West Frankfort stunning 3 bd, 2 bath home withwoodmode kit DR, FR, gorgeous view. Inlaw apt, 2 car garage. MLS#101020 www.Campionweeks.com 735-8515

New Hartford

$219,900

Meticulous 4 bedrm, 2.5 bath colonial on a lovely country lot. DR, FR, 2 car garage. Updates. Excellent buy! MLS#101479 www.Campionweeks.com 735-8515

Carla Dochterman Carol Chiarello

Carole Owen Caroline Marino

East Utica

$149,900

Immaculate 3 bedroom ranch, with FR addition. Updated kit, sunroom, patio, attached garage. New furnace w/ AC. MLS#1002354 www.Campionweeks.com 735-8515

Sauquoit

$239,900

Well appointed 4 BR, 2.5 bath colonial. Applianced kit, DR, FR, HW ﬂrs, 2 car garage. MLS#1002191 www.Campionweeks.com

735-8515

Remsen

$217,500

Beautifully maintained 4 bedrm, 2 bath year round home with access to private beach, dock and Kayuta Lake. Loft bedrm, lge storage shed. MLS#912160 www.Campionweeks.com 735-8515

Southeast Utica

$275,000

Gorgeous Dutch colonial with beautiful cherry kit, solarian breakfast area, DR, FR, study, 5 BRs, 3.5 baths. 3 car gar. Inground pool. MLS#912864 www.Campionweeks.com 735-8515

Dave Malozzi Kim Johnson

Linda Cavalier Linda Kuzniar

Brantingham Lake

$289,900

Waterfront, year around home on the lake. Great views, 2 bedrms, many updates. 1 bedrm guest cottage. 2 car garage. MLS#913245 www.Campionweeks.com 735-8515

New Hartford

$159,900

Ranch style condo w/ open concept. Dining area, 2 bedrooms, 2 baths, vaulted ceiling, treed yard. Full basement, attached garage. MLS#1000235 www.Campionweeks.com 735-8515

New Hartford

$150,000

Zoned planned hwy bus district. 215 ft frontage, 1.5 acres. Includes 3 bedrm house. MLS#101901 www.Campionweeks.com

735-8515

Frankfort

$125,000

Hunters paradise! 68 acres, 5 ponds, apple trees. 2 bedrm camp. Trout stream borders property. MLS#102036 www.Campionweeks.com 735-8515

Luis Montero Marilyn Valvo

Mark Canter MaryBeth Roberts

Whitesboro

$199,500

Great home with spacious mstr suite. 3 bedrms, 2.5 baths, DR, ﬁreplace, 2 car att gar. Park like yard. MLS#102195 www.Campionweeks.com 735-8515

Barneveld

$149,900

Wonderful 4 bd, 2 bath raised ranch in cul-de-sac. Many updates including kit & baths. New roof, generous back yard. 2 car gar. Owner looking for offers.

MLS#1002209 www.Campionweeks.com

735-8515

Whitesboro

$159,000

Tuck away in the Woods contemporary. 2 bds possible 3rd. Charming with ﬁne details. 2 car gar. Not visible from the street. MLS#102342 www.Campionweeks.com 735-8515

South Utica

$179,900

Michael Grassi Pat LoGuidice

Charming stone French Normandy colonial. 4 bedrms, eat-in kit. DR w/ leaded glass windows. 3.5 baths, 2 car att gar. Tale a step back in time. MLS#911533 www.Campionweeks.com 735-8515

Central New York

Paul Durrigan Rosemary Nicotera

Ruth Fanelli Sabrina Arcuri

New Hartford

$129,900

$119,900

Vinyl sided 3 bedrm, 1.5 bath cape in popular area. Enclosed patio, DR. Needs a little TLC. Attached garage. MLS#1000409 www.Campionweeks.com 735-8515

New Hartford

$129,900

Super 3 bedrm cape. 1st ﬂr bedrm, DR, 1.5 baths, updated kit. Attached garage. MLS#101994 www.Campionweeks.com

735-8515

Rome

$139,900

Beautifully remodeled 3 bedrm/2 bth home. HW ﬂrs. Master BR, new furnace, electric, windows, siding, & plumbing. DR, den, wrap around porch, 5 yr old roof.

MLS#102144 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

■

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

East Utica

Remsen

$110,000

Nicely remodeled 3 bd ranch walking distance to Hinckley Reservoir. Deck, pool, gar. Year round home. MLS#102340 www.Campionweeks.com 735-8515

West Utica

$68,900

Cute 2 bedrm bungalow with expansion attic. Updated bath, vinyl siding. HW ﬂrs, fenced yard, gar. MLS#1001746 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 .

East Utica

$69,900

Yorkville

735-8515

Affordable 3 bedrm, 2 bath bungalow. Family rm, vinyl siding, 2 car garage. Whitesboro schools. MLS#912061 www.Campionweeks.com 735-8515

Well maintained 3 family w/ separate utilities. Some updates, parking. Excellent investment. MLS#101795 www.Campionweeks.com

$68,900

Open Market Listing Service™ Vernon

LifeandHomes.com

$175,000

West Leyden

$139,900

6 Black Ave East

4157 Mud Lake Rd

3 Bedrooms / 1.5 Baths

4 Bedrooms / 2.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #41649

Amy La Clair • 315-790-4153

Anthony Fumarola • 315-732-3456

New Nest Realty

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

Broker/Owner • anthony.fumarola@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Verona

A.Fumarola /Joyce Realty

$124,900

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

West Leyden

$139,900

5345 Brown Road

4157 Mud Lake Road

4 Bedrooms / 1.5 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41723

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

Diane Dainotto • 315-334-1046

Carrie Podagrosi • 315-723-3021

Clemens-Beckley Real Estate Lic. R.E Salesperson • DDLAKEHOUSE@YAHOO.COM

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Waterville

$79,900

A.Fumarola /Joyce Realty Agent • cpodagrosi@yahoo.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Westmoreland

$170,000

414 Putnam Avenue

5860 Bartlett Road

3 Bedrooms / 2.0 Baths

4 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41686

For more details visit www.LifeandHomes.com Type in Quick Search #41517

Barbara Owens • 315-853-4400

Amy La Clair • 315-790-4153

Clinton Real Estate

Associate Broker • info@barbaraowens.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Nest Realty

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

August ■

www.Life and Homes .com

L i f e and H o m e s

LOT OWNERS

HOMEOWNERS

1,000’s of Your Neighbors

We Remodel Too!

have built homes from L&A Builders for the past 50 years

discover why

Hey, call us 738-9458

Lou or Larry have been building these homes

• Garages • Decks • Additions • Kitchens • Baths • Sunrooms

for the past 50 years. If you’re a 1st time

$159,900.00 On Your Lot

Home Buyer or Home Owner up-sizing or down-sizing, turn to us for help in building

3 Bedrooms, 2 baths Full Basement, 2 Car Garage (stone optional). Not Included- Water Well Sewer, Finished Landscaping and Interior Painting

the right home at a Better Price.

Phone: 738-9458 or 723-0823 Mailing Address: Box 4625 Utica, NY 13504 Email: labuildersutica@gmail.com

Over 50 Years of Quality Custom Homes, Dependability, & Fair Prices

Phone: 738-9458 or 723-0823 Mailing Address: Box 4625 Utica, NY 13504 Email: labuildersutica@gmail.com

Buyers Realty Group Inc.

131 Parker Street Sherrill, NY13461 (P/F) 800-686-2059

Central New York

Jodie-Lynn Patla

Kim Perry

Broker

Sales Associate

790-0143

723-6340

Developing Relationships With Buyers & Sellers Alike

1601 Brickerhoﬀ St

1210 Capital St

724 Oswego St

613 James St

24 Jason St

519 Deerwood Rd

Utica $79,000 Each unit has sun room/porch/ special use area and washer/ dryer hookups available. MLS # 1002491 Utica - 3 Units $69,000 Close to shopping, schools, & area attractions. Front porches and back upper deck need some work. MLS # 1002487

■

L i f e and H o m e s

Over 50 Years of Quality Custom Homes, Dependability, & Fair Prices

Utica - 2 Units $39,000 Excellent Investment Opportunity MLS # 1002493

Utica - 3 Units $79,000 3 Unit money maker - Each unit has balcony area, washer and dryer hookups, hardwood ﬂoors, spacious rooms. MLS # 1002474

CNY Real Estate Search.com

Syracuse & Utica MLS Listings in One Location 28

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

Utica - 2 Family $69,000 Investment Opportunity MLS # 1002490

Utica $128,500 Nicely updated, well cared for home. All appliances only 2 years old. Carpets 2 yrs old. Pool completely updated in 2009. MLS # 1001719

mortgageCorner

Looking For The Best Mortgage? Obtain All Cost Information Shopping around for a home loan or mortgage will help you get the best financing deal. A mortgage— whether it’s a home purchase, a refinancing, or a home equity loan—is a product, just like a car, so the price and terms may be negotiable. You’ll want to compare all the costs involved in obtaining a mortgage. Shopping, comparing, and negotiating may save you thousands of dollars. Be sure to get information about mortgages from several lenders or brokers. Know how much of a down payment you can afford, and find out all the costs involved in the loan. Knowing just the amount of the monthly payment or the interest rate is not enough. Ask for information about the same loan amount, loan term, and type of loan so that you can compare the information. The following information is important to get from each lender and broker: Rates • Ask each lender and broker for a list of its current mortgage interest rates and whether the rates being quoted are the lowest for that day or week. • Ask whether the rate is fixed or adjustable. Keep in mind that when interest rates for adjustable-rate mortgages go up, generally so do the monthly payments. • If the rate quoted is for an adjustable-rate mortgage, ask how your rate and loan payment will vary, including whether your loan payment will be reduced when rates go down. • Ask about the loan’s annual percentage rate (APR). The APR takes into account not only the interest rate but also points, broker fees, and certain other credit charges that you may be required to pay, expressed as a yearly rate.

• Ask what each fee includes. Several items may be lumped into one fee. • Ask for an explanation of any fee you do not understand. Some common fees associated with a home loan closing are listed on the Mortgage Shopping Worksheet.

Down Payments and Private Mortgage Insurance Some lenders require 20 percent of the home’s purchase price as a down payment. However, many lenders now offer loans that require less than 20 percent down—sometimes as little as 5 percent on conventional loans. If a 20 percent down payment is not made, lenders usually require the homebuyer to purchase private mortgage insurance (PMI) to protect the lender

in case the homebuyer fails to pay. When governmentassisted programs such as FHA (Federal Housing Administration), VA (Veterans Administration), or Rural Development Services are available, the down payment requirements may be substantially smaller. • Ask about the lender’s requirements for a down payment, including what you need to do to verify that funds for your down payment are available. • Ask your lender about special programs it may offer.

If PMI is required for your loan • Ask what the total cost of the insurance will be. • Ask how much your monthly payment will be when the PMI premium is included. • (FTC.gov) (The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them. To file a complaint or get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357

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

L i f e and H o m e s

315-404-5253 Mortgage Originator

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Fees A home loan often involves many fees, such as loan origination or underwriting fees, broker fees, and settlement (or closing costs). Every lender or broker should be able to give you an estimate of its fees.

Many of these fees are negotiable. Some fees are paid when you apply for a loan (such as application and appraisal fees), and others are paid at closing. In some cases, you can borrow the money needed to pay these fees, but doing so will increase your loan amount and total costs. “No cost” loans are sometimes available, but they usually involve higher rates.

August

Points Points are fees paid to the lender or broker for the loan and are often linked to the interest rate; usually the more points you pay, the lower the rate. • Check your local newspaper for information about rates and points currently being offered. • Ask for points to be quoted to you as a dollar amount—rather than just as the number of points—so that you will know how much you will actually have to pay.

by: Timothy McFarlin

Home Service network

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Laura Minard

4957 Commercial Drive Yorkville NY

768.1680 Ext. 205 525-1974 Cell

PRIME PROPERTIES

Featured Homes 4 Allen, New Hartford

Symphony Place, Whitesboro

302 Tumbleweed, Deerfield

Expanded Cape style home. Quiet, well established neighborhood. Private backyard. Hardwood ﬂoors. Fireplace, new deck, 2 updated baths. This home is just adorable. Move in condition. Don’t wait! Call now! $139,900

Does your family deserve the best? This is builder’s own custom built home. Over 3200 sq ft of living, 3 car garage, private setting on end of cul de sac. Time for them to downsize! Make this your family’s opportunity to own this masterpiece!

Pristine colonial home, 3 bedroom, 2.5 bath. Outstanding features throughout. Immaculate landscaping, multi-level deck, ﬁreplace. Great family neighborhood. You can’t ask for more in a home. At $214,000 this is the bargain you’ve been waiting for! $214,000

New Construction! Many Locations to Choose From!

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

Herkimer County

$179,000

$199,900

$230,000

$550,000

480 acre farm 180 acres tillable. Balance woods and pasture. Good 2 story 4 bdrm home w/2 car garage. Very cheap inexpensive power. Farm has a beautiful year round stream. Several ponds. Excellent hunting & ﬁshing. Close to 300 miles of snowmobiling & ATV trails. This would make a wonderful farm to raise beef, horses, make hay. Lots of road frontage. A great investment property. Close to the Adirondack Mountains. Not far from Route 90 Thruway. Easy to get to.

www.Life and Homes .com

L i f e and H o m e s

Southern Herkimer County Gentleman’s Farm w/58 acres & Beautiful home. Very nice 2 story 4 bdrm home. Well kept & maintained. Good 2 story 36x70 barn. Room for 25 head of cattle. Farm has a very nice year round stream. Decent fencing for beef. Lots of deer & turkey. This would make an excellent farm to run beef or horses. Great place for a road side stand. 20 mins from shopping & several hospitals. 5 mins to schools.

Oneida County

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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. Close to I90, shopping, hospitals close by. Not far to the Adirondack Mountains.

Herkimer County

August

Near Little Falls, NY. 35 acres of beautiful land with a large 3 story 10 bedroom Victorian Home. This beautiful home is a well maintained home with some remodeling done, but most of the original woodwork is still intact. Large rooms, high ceilings would make a beautiful Bed n Breakfast situated on a quiet road. Overlooking Adirondack Park. Mins from I90 Thruway. Unbelievable hunting, ﬁshing, hiking, skiing, and snowmobiling trails all within minutes drive. Within an hour of Albany International Airport.

Herkimer County

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

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Come to an

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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

Marcy

BUCKLAND ESTATES

Westmoreland North Utica

$299,900

Brand new beautiful one story home with a full basement, stone entry, hardwood floors, two stall garage, whirlpool tub, gourmet kitchen, spray foam insulation, and energy star windows.

QSN#41645

New Construction in desirable Westmoreland location. 4 bedroom, 3 baths, 2300 sq ft, attached 2 car garage.

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