Life and Homes Central New York by Stephen Lisi

Central NY

Life and

Homes New Home

No Hassle

Free

September

2010

Add Warmth To Your Home

Plan To Pay Off Your Mortgage Priced Right

Local Listings

Complete Real Estate Listing Directory @ LifeandHomes.com

Fresh Perspective

Life and

Homes

You’ve probably heard the saying; “What you focus on becomes dominant.” That saying crossed my mind as I recently scanned real estate headlines. There were more than the usual amount of discouraging headlines but tucked in between the negatives was some encouraging news; “Local Housing Sales Stronger Than National Sales”, and “4 Weeks of Rising Mortgage Activity”. It sure was nice to see some good news and it made me wonder why more positive reporting isn’t being done. Why not write about the agent who listed and sold a home in just three days? How about asking her to share some of her tips on pricing a house to sell, and the importance of knowing exactly what clients are looking for. Or, how about an article on that young couple down the street who settled for a small apartment for three years so they could save money for a down payment on a house? We could include some wonderful photos of the new home they bought thanks to their foresight and incredibly low mortgage rates. Let’s not forget about the gutsy investor who determined to take back his faltering city block. After negotiating some amazing deals on neighboring properties he’s revitalizing the block house-by-house and generating respectable income. They are all true-life stories that bring much needed hope and encouragement in trying times. It does a soul good to focus on the positive, don’t you think?

Oneida County NY, Edition

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

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

Growing a real estate related business, especially during economically challenging times, has brought us face-to-face with some of the most resilient, remarkable people you’d ever hope to meet. They’re the ones doing the real work of keeping our area moving forward - sometimes simply by shear gut and determination. They’re the face of every Realtor, Investor, For-Sale-By-Owner, Contractor, Manufactured Home Builder, Developer, and community member who continues to invest in the local community. At LifeandHomes and online at LifeandHomes.com, we’re committed to bringing the best of the best together to help with your every real estate need. As you look through this issue and see the wide range of for-sale properties and professional services, I hope you’ll gain a fresh appreciation for this great place we call home and for the gifted people who make it that way. It’s time to focus on the positives.

i David P. Lis

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

(Please do not send attachments)

Or send to: LifeandHomes Magazine PO Box 18 Holland Patent, NY 13354

Account Executive DAVID P. LISI 315-865-5845 david@dslisi.com

Regional/National Account Executive: Rob T hrasher 315-941-3452

rob.thrasher@gmail.com

Distribution 1.888.260.3343 x2

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Advertising Deadline October Issue September 24, 2010

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

315-865-5845 Fax 1-315-865-7418 www.LifeandHomes.com

Central New York

For franchise information call, 315-865-5845

Roger Guerrieri 315-533-7160 Mortgage Originator

Adam Hearty

L i f e and H o m e s

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315-404-5253 Mortgage Originator

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

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 .

Anthony Tefel 315-534-2524 Mortgage Originator

LoWEST

Rates in the Area! 10 Main Street • Suite 200 2nd Floor Whitesboro, NY • HomesteadFinancial.net

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.

Clock Ticking for

Garage Door Tax Credit

The tax credit eligibility for qualified garage doors will expire on Dec. 31. Now is your last chance to save 30 percent off the price of an energy-saving curb-appeal-inspiring garage door, courtesy of the U.S. government. The savings come from a federal income tax credit, which is more valuable than an equivalent tax deduction, because a tax credit reduces your tax dollar-for-dollar, while a deduction only decreases the amount of income that is taxed. Through the end of this year, the U.S. government is offering up to a $1,500 tax credit for homeowners who buy and install qualifying insulated garage doors. Full details can be found at GarageWowNow.com, a non-commercial home improvement resource dedicated to garage doors and garage door openers. Getting your share of the tax credit A taxpayer may claim a maximum of 30 percent of qualifying home improvement products, and a maximum of $1,500 for qualifying purchases in 2009 and 2010. For example, if you replace two garage doors with two new qualifying insulated doors that cost $1,000 each, you may claim a tax credit of $300 per door, or a total of $600, provided you have not exceeded the $1,500 total over the two years of the tax credit period. (ARA)

Easy Rejuvenation For Summer Weary Grass

3. In early fall, feeding is a simple step, which can be repeated about a month to six weeks later. Feeding grass with a lawn food like Organic Choice Lawn Food will yield great results for minimum effort.

4. Minimum balance fees Your bank may require a minimum balance in your account – charging a fee for slipping below. Side-step this by carefully matching your situation with the account requirements. For instance, look for an account that waives fees for directly depositing your paycheck, or find an account with no minimum balance requirement.

4. Leaves are your lawn’s best friend. Use your lawnmower to “mulch” leaves into dime-sized pieces, then top with winter lawn food.

5. Fine print fees Are you charged a fee for monthly account maintenance? Does that monthly paper bill cost extra? It pays to sweat the small stuff and fully understand what your bank is charging you. (ARA)

5. Keep your mower on the highest setting to encourage root growth deep into the soil to lock out weeds. Keep mowing to summer height until grass stops growing. (ARA)

Home Prices

Bank Fees You

Predicted to Inflate

If you’re paying these five fees, it’s time to look for a bank that doesn’t charge them.

The housing market continues its effort for recovery under the pressure of the sagging economy. Lawrence Yun, chief economist for the National Association of Realtors reports that home prices will go up by 4 percent in 2010, as home resales will continue on the upswing as the the market tries to recover. He foresees that home resales will reach 5.7 million next year, a rise from a projected 5 million in 2009. According to the AP, “He sees unemployment peaking at 10.5 percent before dropping down to around 9 percent this time next year.” Mortgage rates, in the interim, will average approximately 5.7 percent. (CaymanMama.com)

1. Overdraft fees New legislation requires financial institutions to notify customers of their options on overdraft fees. Some banks – like USAA – have eliminated overdraft fees on ATM and debit transactions entirely.

Free Delivery

Should

Never Pay

If you’re tired of getting nickeled and dimed by your bank, it’s time to switch. “Stopping useless fees forever is a smart way to make your money go further,” says J.J. Montanaro, a certified financial planner with USAA.

2. ATM fees ATM fees may seem nominal, but they can add up quickly. Take advantage of fee-free, cash-back options offered at grocery or convenience stores when making a purchase, or switch to a bank that reimburses you those fees.

of LifeandHomes

Don’t miss that Special Home you’ve been looking for. Have a PDF sent right to your email. visit www.LifeandHomes.com Click on the magazine www.Life and Homes .com

L i f e and H o m e s

1. Bare and thin spots provide an opportunity for weeds to get a foot-hold on your lawn. To fill in bare patches in a smaller area, apply

2. Be sure to feed your grass. Use compost, an organic or conventional lawn food – avoid all-purpose fertilizers labeled for gardening on your grass. Always use fertilizers labeled for grass.

■

With these simple tips, you can ensure an inviting gathering space for next year.

Scotts EZ Seed, an all-in-one seeding mix, fertilizer and mulch.

3. Check fees Switch to paying bills electronically. This usually fee-free service allows you to pay bills anytime and anywhere without paying for checks.

September

As summer winds down, heat and drought may have left your grass a little tired. Luckily, because of cooler temperatures and an increase in precipitation, fall is the best time for lawn rescue.

newsShorts

Technology Advances Home Improvement Projects Home remodeling projects can become overwhelming to even the most experienced DIYers. By doing the proper research and using these new resources, homeowners will find that technology can make home improvement projects faster, and more painless and precise. Virtual design tools While some homeowners have a natural instinct and vision for how they want their homes to look, others need a little guidance. With seemingly limitless options, a homeowner could come up with literally millions of color and style combinations. The tools to narrow in on the perfect elements are crucial. Lumber Liquidators, the largest specialty retailer of hardwood flooring in the United States, recently created the “Room Designer” on its website for homeowners to view different varieties of floors within a number of different types of rooms and setups. Users can swap out the flooring, change the cabinet and wall colors, save their designed rooms and even e-mail the combination to themselves or friends. The site also allows visitors to view before and after pictures from actual customers in order to get ideas for their own homes. Visit LumberLiquidators.com to begin. (ARA)

Central New York

Laminate Floors-

‘Real’ Wood Alternative

L i f e and H o m e s

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You love the look of natural wood flooring but are afraid to install hardwood because you know the floor will take a beating from the kids, dogs and the heavy day-to-day traffic all too common in modern family life. 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 But you don’t have to sacrifice high style looks for boring sensibility when considering a new flooring option in your home - not if you choose laminate, that is. Today’s best laminates combine the realistic grain and texture of wood with high durability and scratch and indentation resistance that “authentic” wood floors don’t provide, according to Jeff Katz, director - laminate for Tarkett Residential, a leading provider of innovative and sustainable flooring. And not only are today’s laminates available at a fraction of the cost of real wood floors, but they’re right in sync with the latest designs. “There’s always a new decorating trend around the corner,” Katz says. “It’s imperative for manufacturers to respond to market demand, keeping up with the most up-to-date trends to ensure consumers are getting the latest in style and design, as well as technology.” One such line is Tarkett’s Trends laminate, a durable new collection featuring eight of the hottest flooring designs, including Old Worldinspired antique-stained planks and soft, hand scraped wood grains. Colors and styles in this line will continually rotate out with new introductions to give homeowners the newest, most popular looks in flooring, ultimately providing them with the high style of premium wood floors without the fuss. “That’s the beauty of laminate products,” Katz says. “They’re the new normal - great-looking products that deliver great performance at a great value. When shopping for laminate products consumers should look for flooring that is engineered with sturdy inner core board layers - preferably ones that deliver high impact resistance (at least an IC3 rating). This type of rating helps provide excellent indentation resistance, and when combined with highly rated top surface protection (AC3 or better) kids and pets can run and play freely on laminate floors without making a dent or marring up the surface’s good looks. As a result, laminate flooring is so durable versus real wood products that some laminates come with up to a full lifetime warranty. What’s more, creating a laminate flooring transformation in your home is a relatively simple DIY project. Many of today’s new laminate floors

come in easy-to-install planks that simply snap together without the need for messy glue or nails to pound. Laminates can even be used over several types of existing flooring, often eliminating the need for costly sub-floor preparation. For more information, visit www.tarkettna.com. (ARA) Owners will spend more than $1 billion on pet insurance by 2010 to pay for things like root canals, antidepressants & grief counseling for their pets. (IIABA) FASTEST GAME OF OPERATION The fastest time to complete the game of Operation was 21.87 seconds achieved by Maharoof Decibels (India) at the Guinness World Records Pavilion in Global Village, Dubai, UAE, on 28 November 2008.

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Richard Parent Licensed Sales Associate

PRIME PROPERTIES

4957 Commercial Drive Yorkville, NY 13495

315.768.1680 x 203 homes@richardparent.com

FREE Daily Customized Home Searches - Right to Your Inbox! • Be the ﬁrst to know! • Hot new listings & price updates!

Constableville

• Tailored to meet your exact needs!

Contact me or visit my website for Exciting Details!

Sauquoit

$250,000 Bridgewater

$249,900 Russia

Russia

$117,500 Little Falls

$104,900 New Hartford

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

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

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

Warm & cozy nights await you in this old world charm 4 BR country homestead. Original woodwork, hardwood floors, elegant dining, views.

$199,000 West Winfield

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

$269,900 Barneveld

$264,900

$168,000 West Winfield

$149,900 Poland

$119,900

$89,900 Rome

$85,000

Pristine ranch offers open floor plan, stunning updated kitchen, formal dining, dramatic family room, vaulted ceilings, natural wood work throughout.

$94,900 Norway

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

$598,000 Columbia

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

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

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

$89,900 East Utica

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

Strong curb appeal in this large E. Utica 2 family home, let your rent pay your mortgage! Separate utilities, units offers 3 Br’s, formal dining, near park.

Unique residential property on 9.6 acres plus 2 family home! Main house offers 2,846 sq/ft, beautiful open kitchen, formal dining, key updates.

Country home on a nice village double lot, stunning new kitchen! 1st floor laundry, beautiful hardwoods, key updates throughout, heated garage.

Strong curb appeal in this adorable ranch! Updated windows, floors, furnace, siding, roof, Spacious kitchen, open floor plan, private yard, close to park.

Commercial Properties

Herkimer

$79,900 East Utica

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

$50,000 Little Falls

Looking for East Utica 3 family in good shape? 1st floor pristine apt. offers 3 BR’s, others apts 1 or 2 BR’s, sep. utilities, laundry, additional lots available.

$32,000

Just some TLC needed to finish this one up and to claim this adorable village home! Strong investment or home ownership opportunity.

25 Acre Premier Lot 7 City Lots 6 Acre Parcels 2 Acre Lots 19 Acre Lot 6.7 Acres 2 Acre Lot

Eagle Bay

$350,000 Rome

$179,900 Rome

$450,000

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

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

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

$54,900

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

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

www.Life and Homes .com

L i f e and H o m e s

Timian Road, Sauquoit South Street, East Utica Bray Road, Sauquoit Coombs Road, Barneveld Fiery Hill Road, Little Falls Furman Mills Rd, Brookﬁeld Hulser Road, Deerﬁeld

$649,900 Thendara

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

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• $75,000 • $65,000 • $38,000 • $35,000 • $34,900 • $19,900 • $19,900

$699,000 Rome

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

September

Other Investment/Land Opportunities

Rome

newsShorts

Top Ways to Add Warmth to Your Home in the Fall Just as animals use the fall to prepare for winter, now’s the perfect time to transform your home into a cozy nest where your family and friends will love to gather. Ginny Bean, publisher of Ginny’s catalog, suggests the following simple decorating touches to add seasonal warmth. * Put out the welcome mat - literally. Make visitors feel welcome from the moment they step through your door. Decorate your front door with a seasonal accent and an attractive mat. * A crackling fire naturally draws people to it. Rearrange your furniture to create a conversation area around your hearth. If your home doesn’t have a built-in fireplace, there are a number of attractive electric fireplaces on the market that provide warmth with no mess or outside vent. Some even hang right on the wall. * Light the candles. Choose candlesticks in metallics (gold is popular now) or in warm colors. For a unique look when entertaining, Bean suggests making your own votives from apples or gourds with a votive carver.

* Continue the theme with decorative accents inspired by nature. Brighten the mantel with a swag of fall flowers and leaves or use artificial flowers to make your own autumn centerpiece. Bean likes to use mums or natural dried grass

L i f e and H o m e s

* Drape your home in warmth. Now is also the time to replace the summer sheers for more substantial curtains, which can keep out drafts and add color and texture to a room. For added energy savings, check out the variety of thermal window treatments available. 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 .

in unexpected containers such as baskets, terra cotta pots or chipped china pitchers or bowls. Scatter a few gourds, ceramic pumpkins or a leaf-shaped accent piece throughout the room to complete the look. Ginny’s catalog is dedicated to showcasing fun and unique items for everyday life. The Fall 2010 catalog includes more than 100 pages of products for the home, yard, kitchen and beyond, including housewares, appliances, furniture and accessories. You can also find seasonal recipes, and helpful tips at www.Ginnys.com. To request a catalog or place an order, visit www.Ginnys.com or call (800) 693-0809. (ARA)

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Central New York

* Bring the beauty of outside, in. Add richness to your home by using fall’s palette of warm colors. Select fabrics and accessories in warm shades of browns, reds, oranges and yellows. Increase the feeling of coziness by adding layers - think table runners on top of cloths or rugs over carpets - and texture in the form of nubby throws and pillows scattered throughout the room.

* Think back to black. A touch of black can add sophistication to your home decor. Use it sparingly though, perhaps in a few picture frames, a ceramic vase or a throw or pillows, because too much black can make the room look dreary.

Radio & Talk

listen live or log On anytime at www.lifeandHomes.com - Click on Talk Radio

Open Market Listing Service™ Agusta

LifeandHomes.com

$199,000

7 Bedrooms / 5.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41516

For more details visit www.LifeandHomes.com Type in Quick Search #41883

Amy La Clair • 315-790-4153

Lic. R.E Agent • RyanKirch@cbpp.com

Licensed Mortgage Banker NYS Banking Dept

Annsville

$295,000

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Canastota

$164,900

4097 Wilson Road East

235 Rosewood Circle

4 Bedrooms / 2.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41882

For more details visit www.LifeandHomes.com Type in Quick Search #41835

Coldwell Banker Prime Properties Ryan Kirch • 315-768-1680 Lic. R.E Agent • RyanKirch@cbpp.com

Hunt Real Estate ERA

Jenny Chapin • 315-363-5533 Realtor • jchapin@huntrealestate.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Ava

$5,000

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Catskill

9551 Mullen Hill Road

$350,000 Greene County Gentlemans Farm

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

4 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 #33942

Oneida County - FSBO

Phyllis Goworek • 315-335-2745 FSBO • 0@0.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Ava

$329,900

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

Central New York $189,900

7280 Lake View Drive

Oneida County

5 Bedrooms / 2.5 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41858

For more details visit www.LifeandHomes.com Type in Quick Search #33898

Prudential J.R. Carucci Real Estate Christine Ossont • 315-733-0463 Realtor • cossont@prudentialcarucci.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Bridgeport

$219,900

R. Kessler & Associates

Robert Kessler • 315-525-6204 Owner • panel@dreamscape.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Cleveland

$113,900

1159 State Rt 31

783 State Route 49

3 Bedrooms / 2.5 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41848

For more details visit www.LifeandHomes.com Type in Quick Search #41846

Penny Wuest • 315-264-8212

Hunt Real Estate ERA

Lic. R.E Associate Broker • penny@pennywuest.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

315-334-1046

Licensed Mortgage Banker NYS Banking Dept

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

420 N. Washington St. Rome, NY 13440

Lic. R.E Associate Broker • penny@pennywuest.com

Low Mortgage Rates • Homestead Financial 315-768-1980

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

Clemens-Beckley Real Estate, Inc.

Hunt Real Estate ERA

September

MidState Contracting

315.335.8073

Coldwell Banker Prime Properties Ryan Kirch • 315-768-1680

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

Low Mortgage Rates • Homestead Financial 315-768-1980

7710 McKern Rd Rome, NY

$199,900

2500 State Route 69

New Nest Realty

Barry Kotary

Camden

2063 Route 26

LifeandHomes.com Clinton

Open Market Listing Service™ Constableville

$174,900

3708 Sweeney Road

3 Bedrooms / 1.5 Baths

2 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41862

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

Barbara Frank • 315-853-4400

Barbara Dunn • 315-337-1677

Clinton Real Estate

Barbara Dunn Realty

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

Broker/Owner • dunrealt@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

Licensed Mortgage Banker NYS Banking Dept

Constableville

12 Martin Drive

$34,900

$127,000 3706 Sweeney Road / 15 Acres

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41865

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

Barbara Frank • 315-853-4400

Barbara Dunn • 315-337-1677

Clinton Real Estate

Barbara Dunn Realty

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

Broker/Owner • dunrealt@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

Licensed Mortgage Banker NYS Banking Dept

Deerfield

$89,900

302 Tumbleweed

3 Bedrooms / 1.0 Baths

3 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41864

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

Barbara Frank • 315-853-4400

Laura Minard • 315-525-1974

Coldwell Banker Prime Properties

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

Realtor • lauraminard@cbpp.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

Licensed Mortgage Banker NYS Banking Dept

Deerfield

$199,900

$149,000

7349 Pryor Road

6166 Smith Hill Road

3 Bedrooms / 2.0 Baths

4 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41863

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

Barbara Owens • 315-853-4400

Joanne Zennamo • 315-868-3226

Clinton Real Estate

Mohawk Valley 1st Choice Realty-Ilion

Associate Broker • info@barbaraowens.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

Durhamville

$285,000

$139,900

8179 Kellogg Street

5909 State Route 46

3 Bedrooms / 2.5 Baths

3 Bedrooms / 2.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #41847

Barbara Owens • 315-853-4400

Penny Wuest • 315-264-8212

Clinton Real Estate

Hunt Real Estate ERA

Associate Broker • info@barbaraowens.com

Lic. R.E Associate Broker • penny@pennywuest.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Central New York

$214,000

140 Utica Road

Clinton Real Estate

Licensed Mortgage Banker NYS Banking Dept

n d o a r c i k d A R l eal Est a n o i t p a e c te T I O C N x U A E

50 Photos & Map www.adkpropertyonline.com

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L i f e and H o m e s

$99,900

146 Utica Road

Satuday, September 25th, 2010 at Noon

Once in a lifetime opportunity don’t miss it! No Buyers Premium • Great Income Earning Potential as Adirondack Lodge or B&B or Simply, Private Retreat. Stunning 21st Century Great Camp on Exceptional 10-acre property with 700ft frontage on secluded lake in Adirondack Park. Replacement Cost $1.8 Million. MLS# S240534 8

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

New Hartford $1,600,000

New Hartford $529,000

New Hartford $439,000

Marcy

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

Sophisticated 5 bedroom, 3.5 bath home with distinctive architectural elements, open ﬂoor plan, and home theater.

Gorgeous custom built 3 bedrooms, 2.5 bath home. Master bedroom suite, quality kitchen, 3 car garage and much more.

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

Fabulous home with 3,750 sq ft of living space. Open entry, two ﬁreplaces, custom kitchen with granite, 3 car garage.

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

Rome

Westmoreland $239,000

Sauquoit

Trenton

New Hartford $159,500

Oriskany

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

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

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

Conveniently located 3 bedroom ranch on over 1 acre featuring a bright, spacious sunroom.

$259,900

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

$229,000

$399,500

$219,500

Beautiful expanded cape on 6 acres bordering the Cincinnati Creek. Great room with fireplace and first floor master suite.

New Hartford $379,000

Vernon

$329,000

$159,000

September ■

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L i f e and H o m e s

#1 Coldwell Banker in New York State

Rome

$359,000

Upgraded and beyond beautiful! Open ﬂr plan, unbelievable kitchen and baths, 1st ﬂr mstr. w/dbl-sided frpl, 4brs/3bths, 2 laundry rooms, unique Florida room, in-law suite. Jan Cidzik Ext. 209

Sauquoit

$250,000

Approx 35 Acres with incredible sweeping hillside views! 2,152 sq/ft 4 bedroom farmhouse, riding trails, outbuildings, 3 barns plus more! Richard Parent Ext. 203

Central New York

Colonial Square

$350,000

Little Falls

$239,000

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

Camden

$163,000

Twin & single family homes starting at $189,900 nearing completion, 3BR/2BA. Single Family Loaded- Must see to believe!

Great house in a great neighborhood, new roof July 2010, 3/4 bedrooms, 2.5 baths, walkout basement!

Laura Minard

Ryan Kirch

Ext. 205

Ext. 222

Little Falls

$348,500

Limestone house and barn on 5 acres with gorgeous views. Beautiful hardwood ﬂoors and large eat in kitchen. Gaetano Belmonte

Sauquoit

Ext. 202

$229,000

Columbia

$269,900

Fantastic colonial and horse or alpaca farm on 18 acres in a rural setting! 4 Br’s, 2 ½ baths, open kitchen, 6 stall horse barn & , wonderful landscaping! Richard Parent Ext. 203

Camden

$199,900

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

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

Gaetano Belmonte

Ryan Kirch

Utica

Ext. 202

$154,500

New Listing. Whitesboro schools! Great 2-family residence owner occupied plus income ($650 per month). 3 stall detached garage. Call Gloria at 868-8686. Gloria Rocci Ext. 217

Oriskany

Ext. 222

$149,900

4 BR/1.5 BA meticulously cared for property; updated kitchen, living room w/ﬁreplace, formal dining, family room, and ofﬁce. Call me for more details. Jodie DeCosty Ext. 201

Marcy

Marcy 6605 Buckland

Clinton

Camden

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 .

$145,900

Charming 2 story on five acres! Offers 3 spacious 2nd fl bedrms, and a 10X12 bedrm/ den or office on the 1st floor. Large kitchen with a morning room/breakfast nook. Ryan Kirch Ext. 222

4957 Commercial Drive Yorkville NY

Call 768.1680 10

$199,500

Historic village home within walking distance of Village Green and schools. Flexible ﬂoorplan with large principle rooms, large private yard. Gaetano Belmonte Ext. 202

$399,500

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

$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

Home Highlight

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L i f e and H o m e s

$189,900

Eagle Bay

Residential & commercial property, 4 BR home, Restaurant & Bar, 4 room motel, 4 guest cottages, Popular bar w/dining & game room, close to 4th lake! Richard Parent Ext. 203

Ava

$146,500

This is a beauty. Move in condition on 2 acres, 2 garages. Close to Delta Lake, 3 bedrooms, formal dining, ﬁreplace. Details: www.6769stokeswesternvilleroad.com Kathy White Ext. 215

Annsville

$124,500

Country ranch - 3BR,1.5 Baths, spacious rooms. 2 car detached garage, in-ground pool, 2 acres, beautiful setting! Ryan Kirch

Rome

Ext. 222

$85,000

$130,000

Kathy White

Utica

Ext. 215

$119,900

Completely renovated inside from top to bottom, 3 bedrooms, 2 baths, formal dining, new roof, furnace, central air, insulated windows and much more. Scott Kelley Ext. 242

Oriskany

$84,000

New roof, updated bath, freshly painted kitchen & exterior trim all 7/10. Great 3-4 bedroom 1 bath cozy cape Full dry basement with high ceiling, fenced rear yard, corner lot. Pat Townsend Ext. 218

New Hartford

$130,000

Looking for a private yard? The lot size is 113x198 with a park like setting. This Cape features 3 bedrooms & 2 full baths. Lisa Filletti Ext. 206

Ilion

$95,000

Impressive 3 BR/1.5 BA built in 1920. Open floor plan features hardwood floors, foyer staircase, and the original refinished oak front door w/more to see. Lisa Filletti Ext. 206

South Utica

$77,500

New Listing. Opportunity knocks! Spacious 3 bedroom, 1 bath home. Large fenced in yard, 2 stall detached garage, sunroom. Call Gloria 868-8686. Gloria Rocci Ext. 217

Rome

$129,900

The best 3 bedroom, move in condition, newer kitchen & bath, close to Delta Lake , tons of updates. www.7100townlineroad.com for more. Kathy White Ext. 215

New Hartford

$94,900

Looking for key updates?.....stop here! gorgeous kitchen, formal dining, new windows & furnace, private yard, pride of ownership, stunning gardens!

Richard Parent

Ext. 203

Leonardsville

$74,500

Lovingly cared for family home, with hardwood ﬂoors, ﬁreplace, extremely large living room, country kitchen. Formal dining currently used as 4th bedroom. Laura Minard Ext. 205

New Hartford

$127,500

Conveniently located 4 bedroom Cape. Hardwood ﬂoors, newer kitchen cabinets and appliances, a new den additon and fenced yard. Gaetano Belmonte Ext. 202

Oneida

$87,500

Awesome large 2 bedroom with many updates. Double lot and more, so much for so little. www.268belmontavenue. com for more details. Kathy White Ext. 217

Utica

$62,900

Great value! Formal living & dining rooms, ofﬁce, spacious eat-in kitchen with appliances, 3 generous sized bedrooms, full bathroom. Yard has matured landscaping! Jodie DeCosty Ext. 201

September

Perfect home at a perfect price! Enjoy 3 bedrooms, open ﬂoor plan, large kitchen, new bath, enclosed rear patio, private yard. Richard Parent Ext. 203

Clinton

Awesome 4 or 5 bedroom, 2 new baths, new main ﬂoor laundry. Tons of updates. Call Kathy 723-7741

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L i f e and H o m e s

The Area’s Premiere Real Estate Search Engine!

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

FAITH PROPERTIES

315-525-7600

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

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

Bozena Sroczyk

Yorkville

$74,900

Russia

$56,900

New Hartford

$99,900

Utica

$189,900

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

Country living! Double wide w/2bdrm. on 100x200 land w/many updates: windows, siding, roof & 2 stall garage. Den could be used as a 3rd bedroom, minutes from Hinckley. 315-525-7600

Utica

$139,900

Move-in condition! 4BDRM 1.5BA Colonial in popular North Utica. Updated kitchen with appliances, hw, freshly painted. Nice Sun Room and large fenced in backyard. 315-525-7600

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

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

Immaculate, move-in condition! 3BDRM 2.5BA Raised Ranch, with newer kitchen, bath, appliances, Anderson windows, siding, doors, hw, central air. 315-525-7600

South Utica - 2 Units

$69,900

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

Platform Queen Beds Starting at $199.00

Futon Frame Starting at

Central New York

Milano

Back to School 4670 Commercial Dr. New Hartford, NY 13413 (315) 768-9000 • Across From K-Mart

■

L i f e and H o m e s

Bordeaux

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

Mattress Sale

Offer Valid Through Sept 30, 2010

$99

$100 off

Any Premium Mattress Limit 1 Per Customer. Discount Premium Mattress Sets Start at $599. Cannot be used in conjunction with any other offers or discounts.

FREE Delivery • FREE Removal • FREE Setup

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 .

Open Market Listing Service™ Durhamville/Verona $148,900 6651 Higginsville Rd.

LifeandHomes.com g din l i u

3 Bedrooms / 3.0 Baths For more details visit www.LifeandHomes.com Type in Quick Search #41484

Don Kingsley Real Estate

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Lot

Holland Patent

$29,900 8651 Edwards Rd - Land for Sale 8.1 acres For more details visit www.LifeandHomes.com Type in Quick Search #33613

SBG Realty

Joel Siegfried • 315-793-7580 Broker/Owner • info@sbg-realty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Durhamville/Verona $99,900

Ilion

6659 Higginsville Rd.

161 Second St

4 Bedrooms / 2.0 Baths

Restaurant/Office

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

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

Don Kingsley Real Estate

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Floyd

$105,900

$99,900

Dominion Homes

Amy Abdoo • 315-794-2653 Broker/Owner • blon316@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Lee

$129,900

7757 Sandy Circle

6436 Wagner Drive

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41866

For more details visit www.LifeandHomes.com Type in Quick Search #41877

Clemens-Beckley Real Estate

Gladys Winterton • 315-334-1046 Lic. R.E Salesperson • GLADYSWINTERTON@YAHOO.COM

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Floyd

$295,500

RE/Max All Pro

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Litlle Falls

$85,000

7615 Oakview Terrace

36 Petrie Street - 2 units

3 Bedrooms / 2.5 Baths

5 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41868

For more details visit www.LifeandHomes.com Type in Quick Search #41894

Gladys Winterton • 315-334-1046

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

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Frankfort

$99,900

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Little Falls

$14,900

1102 Center Road

67 Moreland St

4 Bedrooms / 1.0 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41869

For more details visit www.LifeandHomes.com Type in Quick Search #41820

Barbara Owens • 315-853-4400

Amy Abdoo • 315-794-2653

Clinton Real Estate

Associate Broker • info@barbaraowens.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Dominion Homes Broker/Owner • blon316@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Penny Wuest

315-363-5533

Cell: (315) 264-8212 Email: penny.wuest@ERA.com

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

340 Main Street Oneida, NY 13421

NYS License#: 16000019454

■

HONESTY AND INTEGRITY • Your Full Time Professional Real Estate Consultant • Member of Syracuse and Utica MLS • Multi-Million Producer

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

September

Associate Broker, GRI, CRS Designee Hunt Real Estate ERA

LifeandHomes.com Marcy

$299,900 Buckland Estates - New Construction

New Hartford

3 Bedrooms / 2 Baths

3 Bedrooms / 2.0 Baths

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

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

Buck Construction

Buck Contruction • 315-736-0865 Contractor/Developer • alyssabuck@buckconstruction.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Marcy

Licensed Mortgage Banker NYS Banking Dept

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

Marcy

$179,900

3069 North St

Bruce Ward & Company

Marie Scialdone • 315-866-4892 Licensed RE Agent • bward@brucewardusa.com

$148,900

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Norwich

6386 Glass Factory Rd

$350,000 Chenango County Dairy Farm

3 Bedrooms / 2.0 Baths

4 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 #41529

Prudential J.R. Carucci Real Estate Stephen Dellerba • 315-725-9152 Lic. R. E. Agent • sdellerba@prudentialcarucci.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Mohawk

$89,000

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

Norwich

38 Church Street

$450,000 Chenango Cty Equine Facility

3 Bedrooms / 1.0 Baths

4 Bedrooms / 2.0 Baths

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

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

Bruce Ward & Company

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Mohawk

$149,900

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

$144,900

5 Fulmer Street

414 Oxford St

4 Bedrooms / 2.0 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41859

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

Prudential J.R. Carucci Real Estate Joan Abend • 315-733-0463

Lic R.E Associate Broker • JABEND@PRUDENTIALCARUCCI.COM

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Central New York

Contractor/Developer • alyssabuck@buckconstruction.net

4 Bedrooms / 2.0 Baths

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...

■

Buck Contruction • 315-736-0865 Low Mortgage Rates • Homestead Financial 315-768-1980

For more details visit www.LifeandHomes.com Type in Quick Search #41891

Licensed R.E. Agent • jim@centralnewyork.com

L i f e and H o m e s

Buck Construction

3 Bedrooms / 2.0 Baths

Low Mortgage Rates • Homestead Financial 315-768-1980

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.

10132 Mallory Rd.

Newport

Jim Lenahan • 315-723-2270

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

$349,900

$174,900 6327 Glass Factory Road

Coldwell Banker Faith Properties

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

Open Market Listing Service™

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

Don Kingsley Real Estate

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Elizabeth Miller

Century 21 Gentry Realty Lyons Falls

Lic R.E. Broker

117 Main Street, Boonville, NY 13309 315-942-4408 (ofﬁce) www.century21gentryrealty.com

White Lake

$369,000

$375,000

3699 Davis Bridge

Waterfront

This isn`t your average ranch. Waterfront on the Black River, tucked away on 48.6 ac, waterfront privacy like this is hard to find. Custom built 3 bedroom, 2 bath; home has 2 living rooms & 2 fireplaces, vaulted tongue & groove pine ceilings and windows all around for water viewing. Master bedroom suite w/ double sinks and closets, closets, closets.

Enjoy the beauty of this pristine Adirondack Lake. Two bedroms with expansion space. Bath and half. Kitchen greatroom and deck on water level. Boat house, storage building, Pontoon boat. all funrnishings. More. $375,000 CENTURY21Gentry Realty. Boonville. (315)942-4408.

Forestport

Stittville

$95,000

$133,000

114 Deer Run

9020 Mill St

This property has lake rights to Kayuta lake and has private dock area . there is an association fee of $200 / year for maintenance of shared well, and dock and beach access. The roads are maintained by the town.

This is a great location with two homes on one parcel. It is currently rented. Great income property. Or Rent one and live in other.Large back yard with country charm. New furnaces in both homes and both homes have been well maintained.

Forestport

$159,500

11859 Dutch Hill Road Single Family Residential Property, 1 total bath(s) Attic: Finished, Scuttle Access, Basement: Partial County: Oneida, Siding: Wood, Driveway: Stone/ Gravel, Floors: Vinyl - Some, Wall To Wall, Garage: Detached, Heat: Forced Air, Stove, Oil, Wood Kitchen: Country Kitchen, Secondary Road, Sewer: Septic Style: Farmhouse, Water: Well

■ 5 acres w/ cabin, Annsville $44,000 ■ 10 acres Harvey Bridge Ohio, NY $25,000 ■ 3.69 acres Montague year & on Trail $16,000 ■ 53 acres Golden road Boonville Power $55,000 ■ .26 acres Building lot waterfront in Brantingham $89,900

BENN REALTY Visit our ofﬁce site on the web @ www.bennrealty.com KAYUTA LAKE

$395,000

Relax and enjoy all the amenities and opportunities of the Kayuta Lake area, on your own private peninsula with large shady lawn area for your games, & over 400’ of lake frontage w/ sandy beach. Large 3 bedroom, 2 bath, main house with a smaller, 2 bedroom guest cottage. Cottage needs some tlc. MLS #1001993

KAYUTA LAKE

5584 Lake Shore Drive Kayuta Lake, REMSEN, NY H. EDWARD BENN, BROKER “HERB” BENN - Sales person

(315) 831-5061

POLAND

$375,000

Beautiful home on expansive, professionally landscaped 8.4 acre property w/ 405’ frontage on the west canada stream. Great kayaking/tubing right from your dock. 12 Kw auto-start standby generator. 2 Story barn has 2 rv drive-through oh doors. Expansion attic could provide 2 more bedrooms & bath. Mls #1001426

$139,000

MLS #1001300

KAYUTA LAKE

$285,000

Large 5 bedroom cottage on a picturesque waterfront lot, with a fantastic view overlooking the islands. 100’ Sandy beach. This is a true turn key sale. Just bring your toothbrush! Fully furnished, right down to the dishes and linens. Year round access. MLS #1001600

September

Immaculate 2 bedroom, year round home, in like new condition nestled into a 5+ acre wooded setting. Full poured wall basement w/ bilco door to yard. Hiefﬁciency gas furnace. Full width, deep, covered porch. Very secluded setting.

■

$215,000

Nearly new, quality built custom home by dean case. Extra high icf basement walls to accommodate finished rooms in the basement. High efficiency boiler with 3 zone in-floor radiant heating, including basement. Private secluded setting w/ woods lined yard area, offering good visual barrier from road.

NORTH LAKE

$325,000

Enjoy the seclusion, solitude, and ambience of a pristine,wilderness lake, deep in the heart of the beautiful Adirondacks. The 3br cottage is nestled into a very heavily wooded, 1.4 acre site. W/ 289 prime lakefront. Solar power w/ generator back-up. MLS #1002621

MLS #1002141

www.Life and Homes .com

L i f e and H o m e s

REMSEN

LifeandHomes.com Oneida

Open Market Listing Service™ Rome

612 Deerfield Drive

$309,900

$74,900 919 Croton Street - 2 Units

4 Bedrooms / 2.5 Baths

6 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41832

For more details visit www.LifeandHomes.com Type in Quick Search #41907

Hunt Real Estate ERA

HomeComing Realty

Jenny Chapin • 315-363-5533

Denise Witchley • 315-337-0841

Realtor • jchapin@huntrealestate.com

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Oneida

S ME O 2H

$310,000 1013 Evergreen Valley Drive 4 Bedrooms / 2.5 Baths For more details visit www.LifeandHomes.com Type in Quick Search #41857

Tracy Winterton • 315-335-3843

Assoc. Broker • kayhomes@dreamscape.com

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$450,000

$115,000

170 Skinner Road

6763 Butts Road

5 Bedrooms /2 Full Baths/2 Half Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41855

For more details visit www.LifeandHomes.com Type in Quick Search #41870

Janet Mautner • 315-363-9191

Edward Beer • 315-334-1046

Kay Real Estate

Clemens-Beckley Real Estate

Assoc. Broker • kayhomes@dreamscape.com

• EBEER@TWCNY.RR.COM

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Oneida

$424,500 111 Willow Meadow Way

Rome

6 Bedrooms / 4.5 Baths

5 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41856

For more details visit www.LifeandHomes.com Type in Quick Search #41890

Jayne Wentworth • 315-363-9191

Jim Lenahan • 315-723-2270

Coldwell Banker Faith Properties

Assoc. Broker • kayhomes@dreamscape.com

Licensed R.E. Agent • jim@centralnewyork.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Oriskany

$94,900

8127 Buena Vista Drive

Kay Real Estate

Licensed Mortgage Banker NYS Banking Dept

Rome

$156,900

$259,900

6177 Airport Rd.

8103 Pinebrook Lane

5 Bedrooms / 3.0 Baths

4 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41819

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

Amy Abdoo • 315-794-2653

Gaetano Belmonte • 315-768-1680

Dominion Homes

Coldwell Banker Prime Properties

Broker/Owner • blon316@aol.com

Realtor • Homes@GaetanoBelmonte.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Central New York

Licensed Mortgage Banker NYS Banking Dept

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

For the Most Up to Date Information

■

L i f e and H o m e s

3 Bedrooms / 1.5 Baths

1St. Rome Realty

Janet Mautner • 315-363-9191

www.prudentialcarucci.com

800-432-8669 www.SuperiorPlusEnergy.com

$149,000 6199 Lorena Road - 2 Homes on Lot For more details visit www.LifeandHomes.com Type in Quick Search #33616

Kay Real Estate

Oneida

Rome

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 .

Or On Any Smart Phone

m.prudentialcarucci.com

(315) 733-0463

New Nest Realty Amy La Clair

Licensed Real Estate Broker Professional & Courteous Real Estate Services

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

Open Market Listing Service™ Rome

LifeandHomes.com Rome

$92,500

$199,000

204 Dale Road

7918 Lauther Road

3 Bedrooms / 1.0 Baths

4 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41885

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

Amy Mellace • 315-356-0800

Tony Abone • 315-339-2222

Esquire Real Estate

RE/Max All Pro

Lic. R.E Agent • Amellac@twcny.rr.com

Broker/Owner • proabone@cnymail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

Licensed Mortgage Banker NYS Banking Dept

Rome

$62,900

$74,500

531 Dealing Street

719 West Liberty

2 Bedrooms / 1.0 Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41157

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

Denise Witchley • 315-337-0841

Tony Abone • 315-339-2222

HomeComing Realty

RE/Max All Pro

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

Broker/Owner • proabone@cnymail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

Licensed Mortgage Banker NYS Banking Dept

Rome

$84,900

$65,900

6005 Old Oneida Road

6150 Muck Road

3 Bedrooms / 1.0 Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41831

For more details visit www.LifeandHomes.com Type in Quick Search #41878

Hunt Real Estate ERA

RE/Max All Pro

Jenny Chapin • 315-363-5533

Tony Abone • 315-339-2222

Realtor • jchapin@huntrealestate.com

Broker/Owner • proabone@cnymail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

Licensed Mortgage Banker NYS Banking Dept

Rome

$59,500

$88,500

534 Mill Brook Road

1911 N. Madison St.

3 Bedrooms / 1.5 Baths

2 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 #41823

Oneida County Real Estate Investors

Royal Realty

We Buy/Sell Houses • 315-264-9235

Holly Osterhoudt • 315-337-2229

Investor • phpenterprises@hotmail.com

Lic. R.E Salesperson • Holly@royal1realty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

Licensed Mortgage Banker NYS Banking Dept

Rome

509 North Madison

$83,000

$120,000 237 Rverview Parkway N.

5 Bedrooms / 2.0 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41628

For more details visit www.LifeandHomes.com Type in Quick Search #41822

Prudential J.R. Carucci Real Estate

Royal Realty

Joan Abend • 315-733-0463

Holly Osterhoudt • 315-337-2229

Lic R.E Associate Broker • JABEND@PRUDENTIALCARUCCI.COM

Lic. R.E Salesperson • Holly@royal1realty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Mark Enjem

Carrie Podagrosi A. Fumarola Realty Inc.

Joyce Realty

315-797-2400 Cell: 315-292-3200 Email: enjemrealtor@yahoo.com

www.uticaromeproperty.com

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 www.Life and Homes .com

L i f e and H o m e s

46 Genesee Street New Hartford, NY 13413 Office: 315-732-3456 Cell: 315-723-3021 Fax: 315-735-9057

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

■

Whether Buying or Selling, I can assist you with all of your real estate needs.

Advanced Home Inspection Service LLC

September

Licensed R.E. Salesperson Senshine Real Estate

Licensed Mortgage Banker NYS Banking Dept

LifeandHomes.com Salisbury

Open Market Listing Service™ Sylvan Beach

$55,000

661 Military Road

1314 Vienna Rd

3 Bedrooms / 1.0 Baths

Seller Financing

For more details visit www.LifeandHomes.com Type in Quick Search #41631

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

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

Oneida County Real Estate Investors Steve Ruscitto • 315-762-4488

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

Investor • steve@cnyres-q.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Sherrill

Licensed Mortgage Banker NYS Banking Dept

Theresa

$234,900

41736 Clear Lake Road

4 Bedrooms / 2.5 Baths

2 Bedrooms / 2.0 Baths - Waterfront Access

For more details visit www.LifeandHomes.com Type in Quick Search #41833

For more details visit www.LifeandHomes.com Type in Quick Search #41895

Jenny Chapin • 315-363-5533

Jocelyn Merritt • 315-482-8670

Garlock Realty

Realtor • jchapin@huntrealestate.com

Lic. R.E. Assoc. Broker • jocelyn_merritt@yahoo.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Sherrill

Licensed Mortgage Banker NYS Banking Dept

Trenton

$119,900

9138 Plank Road

4 Bedrooms / 1.5 Baths

4 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41834

For more details visit www.LifeandHomes.com Type in Quick Search #41913

Coldwell Banker Prime Properties

Jenny Chapin • 315-363-5533

Gaetano Belmonte • 315-768-1680

Realtor • jchapin@huntrealestate.com

Realtor • Homes@GaetanoBelmonte.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Sherrill

Licensed Mortgage Banker NYS Banking Dept

Utica

$294,500

24 Jason Street -3 Units

4 Bedrooms / 3.5 Baths

9 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41482

For more details visit www.LifeandHomes.com Type in Quick Search #41888

Buyer’s Realty Group

Janet Mautner • 315-363-9191

Kim Perry • 315-723-6340

Assoc. Broker • kayhomes@dreamscape.com

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Sylvan Beach

Licensed Mortgage Banker NYS Banking Dept

Utica

$69,000

29-31 Leslie - 2 Unit

Seller Financing

6 Bedrooms / 2.0 Baths

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

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

NeuDot Realty

Steve Ruscitto • 315-762-4488

Dorothy Neumann • 315-527-3542

Investor • steve@cnyres-q.com

Broker/Owner • neu.dot@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Central New York

Licensed Mortgage Banker NYS Banking Dept

L i f e and H o m e s

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Commercial Storefront For Rent N. James St., Rome

1,000 sq. ft. Shelving, Registers, Counters: Turnkey

$700

Patty (315) 337-6406 M-F 9 to 5 18

$74,900

503 16th Ave

Oneida County Real Estate Investors

$800

$79,000

4731 Marble Road

Kay Real Estate

750 sq. ft.

$219,500

409 Betsinger Road

Hunt Real Estate ERA

Corner Lot

$142,500

505 Betsinger Road

Hunt Real Estate ERA

N. James St., Rome

$67,000

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

Joseph R. Carucci Real Estate 600 French Rd., New Hartford “Let Me Take the Stress Out of Buying/Selling a House.” Gene Primarolo

315.763.0463 Office 315.723.8462 Cell genop67@hotmail.com

(315) 733-0463

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

Kathy White Lic. Assoc. R.E. Broker

4957 Commercial Dr Yorkville, NY 13495

We Never Stop Moving

315-768-1680

Relocating Families for over 23 years!

Adirondack Waterfront $249,000

Rome

495 Brady Beach Road

7100 Townline Rd

Quiet peaceful setting offering 4 Bedrooms with updated kitchen, New bath,roof, windows, well pump and large great room, all new treated deck. Huge party building with fireplace. Also included, appliances, some furniture , two sheds and Dock. Super location only 45 minutes from Utica or Rome.

You could walk to the lake. How wonderful is that plus this Ranch is in move in condition with attention taken to every detail. Updates include: Kitchen, D/R, flooring, roof, siding, electric, septic, new well pump, freshly painted and more. Check out the web www.7100townlineroad.com and see for yourself. Call today.

New Hartford

Ava

$237,750

$129,900

$146,500 6769 Stokes-Westernville Road

1434 Graffenburg Rd Outstanding private location in sought after New Hartford Schools. This home offers 4 B/R’s, 2.5 baths, For. D/R, Family Rm with fireplace, Formal L/R, All new kitchen with appliances. Great Price call today Check out the web www.1434graffenburgroad.com

What a doll house. You will feel right at home as soon as you walk in. Breezeway, Updated kitchen with appl. formal D/R with Fireplace, 2 or 3 bedrooms, vinyl siding, New double detached garage plus a single attached. Nice dry basement with tons of storage deck on 2 acres. Close to Delta Lake and Woods Valley Skiing. Check out the web www.6769stokes-westernvilleroad.com or Call today.

Oneida

Clinton

$87,500

$130,000 4933 Westmoreland Road

268 Belmont Avenue Very well maintained 2 B/R two story on a double lot offering lg. kitchen with all appliances and breakfast counter, for/ D/R, office, for. L/R, 1.5 updated baths, sun Room, garage, vinyl siding and more. Ready for immediate occupancy. Call today check out the web www.268belmontavenue.com

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

Gracious Community Living • Meticulously Maintained • Rome Water Secure • Financing Available • No Closing Costs • Westmoreland Schools Open Mon, Tues, Wed, Fri, Sat by appointment More Available - Come in for a List!

Our Best Buy - Reduced!

Just Remodeled 3 Bedroom 2 Bath Ranch, Central Air, Carport Storage Shed, New Carpet $35,900 $32,900

New Listing

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

iCE

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

Great Floor Plan Spacious 3 Bedroom, 2 Bath Ranch, 1½ Car Garage, Central Air, Large Deck, and All Appliances, Including Washer, Dryer, and Dishwasher. $54,900 www.Life and Homes .com

L i f e and H o m e s

New Listing Large 3 Bedroom, 2 Bath Ranch. Central Air, Backs Up to Woods, Fireplace, Large Deck. $40,000

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d HE AS l S

September

4 Bedroom - Reduced! Large New 4 Bedroom 2 Bath Ranch. New Range and Refrigerator, on Cul-De-Sac, Large Deck and Storage Shed $58,900 $54,900

What a great home. So much for so little. 4 or 5 Bedrooms, Huge D/R refinished hardwood floors, large fully appliance kitchen, new 1st flr. Lund.with W & D, all new carpeting, L/R with Fireplace. two new full baths, most windows replaced and central Air. New vinyl siding and roof the list goes on. Call Kathy Today as this will not last.

Average Home

Days On Market: 9,900 New Hartford $7

Lee

$124,900

Our DOM :

3 0 Days

www.GetP ackingCN 87 OAKDALE AVE S ully remodeled You’ll love this beautift and bright kitchen. home with a new ligh

Yorkville $154,900

2353 Douglas Ave this beautiful raised Welcome home to -popular neighborranch in an always d-end street! a hood on a private dea

Frankfort $380,000

Central New York

d 9999 Brockway Roaftsm an cape to be Simply smashing cratastic floor plan! built! Absolutely fan

New Hartf ord $ 249,90 0

52 W Absoluoodberry rd colonialtely beautiful ov that rad iates wersized woodb armth a e nd charrry m!

Ava $259,900

7101 State Route Outstanding outdoo294 an’s paradise priced well below reprsm lacement cost!

Paris $99,900

Floyd $67,000

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

7404 Camroden rde in Holland Patent Great 2-story hom school district.

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

8632 Willow Drive You’ll love this utterly imm Wonderful, quiet street aculate ranch! .

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 2306 Genesee Street, Utica, New York

FAITH PROPERTIES

735-2222

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

â&#x2013;

Linda Peters

Keith Schuderer

www.Life and Homes .com

L i f e and H o m e s

Congratulations to these Two Top Selling Agents!

September

July Stars

SCAMPONE REAL ESTATE 797-7100

G TIN

LIS W

$169,000

South East Utica

ICE

New Hartford

$249,900

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 South East Utica

$189,000

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

L i f e and H o m e s

Well maintained historical building situated close to state ofﬁce building, Oneida County Court House & retail businesses. Property has 2 separate deeds, 1 designated for of-

ﬁce building, 1 for parking lot included in sale. See broker for additional information. MLS # 1000833

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Central New York

IC OR IST

$79,900

New Hartford

G LIN EL

/DW NT

O FR RE STO

New Hartford

$159,000

West Utica

$92,900 W

ICE

CO G-

TIN LIS

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 .

Frankfort Townhouse

$89,900

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

$39,900

600 Ft of store front plus a rear apt, 1 bdrm, 1½ bath 1st ﬂr laundry, makes this a nice opportunity for income producing investment or live in home business. Updated electric, 2 zone hwh, 4 yr old rubber roof. Solid structure MLS # 1000891

$126,900

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

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

$195,000

Traditional Architecture embraces modern day living in this 4 bedrm, 1½ bath Brick Colonial. Center hall foyer lends way yo 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 stall garage w/ loft. A must see! MLS #912805

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 # 1001081

Utica

$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

South Utica

$131,900

$289,000

Nearly new Country Cape situated on a partially wooded private lot. 1st ﬂr mstr suite, FR w/ FP. Great kit w. brkfst area. Formal ining leads to Trex Decks & enclosed sunporch. 3 more bdrms, bath & attic access on 2nd lvl Finished basement w/ wet bar, ½ bath & ofﬁce. MLS #1002513

MLS # 1000641

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.

L CIA ER MM CO

Oriskany

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 #1000130

South East Utica

$399,000

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

South East Utica cape with all the amenities. 4 bdrm, 2 bath. Completely Updated within the past 10 years. Lge inground heated pool. 2nd ﬂr master w/ balcony& FP. Stainless steel kitchen w/ granite countertops. LR w/ FP, formal dining. A must see home. MLS# 1002597

N IO CT RU ST N CO

South East Utica

East Utica

$39,900

Possibilities are endless w/ thos great concrete block building. Can be a great detail shop, storage for bikes, boats, cars or many other uses. Building has heat, electric, good roof, all at a low price! Don’t wait, come & see it now! MLS #1002549

Open Market Listing Service™ Utica

LifeandHomes.com

$24,900

Utica

$18,900

1120 Schuyler

142 Country Road

4 Bedrooms / 2.0 Baths

2 Bedrooms / 1.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #41843

NeuDot Realty

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

Prudential J.R. Carucci Real Estate Gene Primarolo • 315-723-8462 Lic. R.E Salesperson • genop67@hotmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

$135,000 1147 Tilden Ave - 2 Family

Utica

6 Bedrooms / 3.0 Baths

2 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41861

For more details visit www.LifeandHomes.com Type in Quick Search #41842

Prudential J.R. Carucci Real Estate Gene Primarolo • 315-723-8462 Lic. R.E Salesperson • genop67@hotmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

$104,900

$17,500

152 Country Road

Prudential J.R. Carucci Real Estate Gene Primarolo • 315-723-8462 Lic. R.E Salesperson • genop67@hotmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

$14,500

203 Meeker Ave

150 Country Road

3 Bedrooms / 1.0 Baths

2 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41871

For more details visit www.LifeandHomes.com Type in Quick Search #41841

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

Marcy

$189,900

Prudential J.R. Carucci Real Estate Gene Primarolo • 315-723-8462 Lic. R.E Salesperson • genop67@hotmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Vernon

$197,900

North Utica

3799 Kenwood Avenue

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41915

For more details visit www.LifeandHomes.com Type in Quick Search #32864

Buck Construction

Buck Contruction • 315-736-0865 Contractor/Developer • alyssabuck@buckconstruction.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

$94,900

Kay Real Estate

Julie Stickels • 315-363-9191 Assoc. Broker • kayhomes@dreamscape.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Vernon

$172,000

2303 Sunset Avenue

6 Black Ave East

4 Bedrooms / 2.0 Baths

It’s Bigger Than it Looks!

For more details visit www.LifeandHomes.com Type in Quick Search #41892

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

Coldwell Banker Faith Properties Jim Lenahan • 315-723-2270 Licensed R.E. Agent • jim@centralnewyork.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Ryan Kirch

Ofﬁce: 315-768-1680 Cell: 315-264-4198 Email: ryan.kirch@coldwellbankerprime.com

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

L i f e and H o m e s

4957 Commercial Drive Yorkville, NY13495

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

■

pRIME pROpERTIES

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

September

Licensed R.E. Salesperson Coldwell Banker Prime

New Nest Realty

LifeandHomes.com Vernon

Open Market Listing Service™

$154,900

4 Bedrooms / 2.0 Baths

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

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

Amy La Clair • 315-790-4153

Carrie Podagrosi • 315-723-3021

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Verona

$184,900

Agent • cpodagrosi@yahoo.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Westmoreland

$129,000

5116 Tudman Rd.

4 Bedrooms / 1.5 Baths

3 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41793

For more details visit www.LifeandHomes.com Type in Quick Search #41577

Mike McNaughton • 315-264-3081

Amy Abdoo • 315-794-2653

Assoc. Broker • mike@mcnaughtonhouse.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Vienna

$259,000

Dominion Homes Broker/Owner • blon316@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Westmoreland

$170,000

8306 Maple Flats Road

5860 Bartlett Road

5 Bedrooms / 2.5 Baths

4 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41884

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

Ryan Kirch • 315-768-1680

Amy La Clair • 315-790-4153

Coldwell Banker Prime Properties Lic. R.E Agent • RyanKirch@cbpp.com

Licensed Mortgage Banker NYS Banking Dept

Wampsvile

New Nest Realty

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

Westmoreland

$89,900

128 Genesee St

6622 Rt 5

4 Bedrooms / 2.0 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41521

For more details visit www.LifeandHomes.com Type in Quick Search #41860

Denise Witchley • 315-337-0841

Willinette Cohen • 315-733-0463

HomeComing Realty

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Waterville

$119,900

Prudential J.R. Carucci Real Estate • info@prudentialcarucci.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Whitesboro

$359,900

247 Sanger Ave

18 Symphony Place

3 Bedrooms / 1.0 Baths

4 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41830

For more details visit www.LifeandHomes.com Type in Quick Search #41183

Deborah Lemery • 315-841-8834

Laura Minard • 315-525-1974

Lemery Realty

Broker/Owner • LEMERYREALTY@FRONTIERNET.NET

Low Mortgage Rates • Homestead Financial 315-768-1980

Central New York

Licensed Mortgage Banker NYS Banking Dept

Dorothy Neumann NeuDot Realty

hardwood flooring • stair parts • molding

■

A.Fumarola /Joyce Realty

5191 Old Oneida Rd

Dick Stanton Real Estate

L i f e and H o m e s

$129,900

4157 Mud Lake Road

New Nest Realty

We Stock

KILN DRIED cherry, walnut, maple, butternut, ash, oak, exotics and woodworking supplies Visit our website anytime www.lakeshorehardwoods.com

266 Manwaring Road, Pulaski, NY 13142 • 315-298-6407

West Leyden

4588 Verona Street

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 .

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

Coldwell Banker Prime Properties Realtor • lauraminard@cbpp.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

STEAL NEW HOMES LAND 50% OFF MODULAR “IT’S SIMPLE” We can give you better specifications, more upgraded features, and a higher quality home

And we can do all this for less money.

BRING US YOUR BEST DEAL - WE WILL BEAT IT! Stick Built Quality Modular Homes

Ph: 315-891-3254 NewHomesModular@yahoo.com

QSN#41521

Colonial New Construction

All Remaining Lots To Be Sold At 1/2 Price

Beautiful & Affordable Home Sites FROM 5 ACRES TO 40 ACRES • PRICES FROM $14,900 Special Onsite Financing Available “Buy Now - Build Later” THIS IS THE BEST DEAL AROUND

Home Features: 3 or 4 bedrooms 2 ½ baths full basement 2 car garage under

POND VIEW

Open Floor Plan • Upgraded Kitchen Breakfast Nook Formal Dining Room Oversized Master Suite Master Bath with Whirlpool Tub Rear Sundeck • Great Views Great Schools • Easy Commute Low Taxes • Snowmobile & ATV Friendly

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

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

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

Located at Pond View Estates on 5 Beautiful Acres Priced at $189,900 315-891-3254 • Middleville, New York

QSN#41520

QSN#41907

“The Key to your front door”

Wampsville

$189,900

Rome

$74,900

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

919 Croton St. 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

105 N. Crescent. This home has many possibilities - 3/4 bedroom ranch depending upon your needs. Cute layout. Nice sized back yard - not too much, not too little. Nice neighborhood. Is that an apple pie baking in the oven? Call today!

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#

Rome

$57,000

110 Abbe Blvd. Move in yesterday. This 3 bedroom, 2 full bath double wide has a wonderful open floor plan. Fireplace, central air, master suite, super back deck, appliances. Minutes from Rome, Westmoreland. Well maintained park. Call today!

Rome

$84,900

6788 S. James St. 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

$62,900

531 Dealing St. - Much bigger than it looks, this adorable 2 bedroom home offers a sitting room upstairs and sun room downstairs. Large and private back yard. Detached garage. Perfect for your new home. Investors, take note, too - could be a great rental! Located on a less-traveled street.

Rome

6607 Bartlett Rd. Farm/Land

Investment Rome

104-106 3rd st. 2 family 3 beds each, garage

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

$149,900 QSN #33888

$49,000 QSN #41230

newsShorts Ten Tips on How to be a

Good Neighbor & Avoid Lawsuits

Treating your neighbor as you would like to be treated is wisdom that is thousands of years old. And it may be more important than ever in today’s litigious society where a growing number of Americans nearly 80 percent - live side-by-side in urban and suburban areas, in many cases separated only by a wall. Between sharing driveways and fences to sharing the beautiful, or not-so-beautiful, sights and sounds of a neighborhood, conflict is bound to happen from time to time when people live next to one another. Excessive noise, pets off their leashes, unmaintained lawns, trespassing, an illegal home business - these represent just some of the most common complaints that can come up between neighbors. When complaints go unresolved, frustration turns into phone calls to the local police or into a lawsuit. Here are 10 tips from Findlaw.com, a leading online source of legal information, on how to avoid earning the scorn of your neighbors and being the subject of a lawsuit. 1. Get to know your neighbors. Make time to get to know your neighbors. Learning the basics of why they choose to live in your neighborhood, what they desire in a great neighborhood, what they do for a living, what they enjoy doing for fun, and even the names of their kids can pay dividends in avoiding conflicts down the road.

Central New York

2. Start a neighborhood watch group. Join or form a neighborhood group to watch for unusual or illegal activity in your neighborhood, and to facilitate common ground among your neighbors. Currently, about 200,000 official neighborhood watch programs are registered throughout the United States. To see if your neighborhood has a watch group, or to register a new group, visit www.usaonwatch.org.

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

4. Maintain your property. Think about the way your property affects your neighbors and imagine the view from their side of the street or fence. Many neighborhood associations and cities maintain covenants or have regulations about property maintenance, according to Findlaw.com. Not adhering to these standards can get you in hot water with more than just your neighbors. 5. Respect property lines. Check all local community laws before landscaping, adding a fence or tree, or launching a remodeling project, such as adding onto your home. If you’re building or landscaping near the property line, make sure you’re in compliance with local codes. If you share a property line, such as a shared driveway, work closely with your neighbor to find solutions that work for both of you. If necessary, consult a lawyer to draft an agreement on how to handle present and future actions with shared property. 6. Fences. Fences make for good neighbors, but make sure that before you build one, you follow local codes regulating the height, location, material used and appearance of a fence. A neighbor can only remove another’s fence if it poses a danger to those who interact with it. If it is a property-line fence, neighbors have equal share in the future of the fence and must agree in remodeling it. This also means that both neighbors are responsible for maintenance of the fence and need to split all costs for the preservation. 7. Trees. The tree owner is responsible for the maintenance of the tree and any damage if the tree

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

falls on a neighbor’s lawn or house. If a thunderstorm or other natural disaster forces a tree to cause damage, then the tree owner is no longer responsible. Neighbors are able to trim others’ tree branches; however, if they harm the tree, they could be sued for up to $2,500. 8. Keep pets in control. Pets are free to roam on their owner’s property if they have a fence set up, but if the animals escape and cause damage, it is the pet owner’s full responsibility. Most neighborhoods and parks have leash laws and require owners to clean up after their pets. Pet owners will also be responsible if their pet bites or harms another person. If a neighbor has too many pets, then they could be violating a zoning, health code or noise ordinance. 9. Don’t be a noisy neighbor. Loud noises aren’t only a nuisance, but also a potential health hazard. Exposure to sounds of 115 decibels for 15 minutes a day can cause hearing loss, according to the League of the Hard of Hearing. As a reference, a noisy restaurant is about 80 decibels and live rock music is 130 decibels. Almost every community prohibits excessive, unnecessary, and unreasonable noise (including excessive dog barking), and the police enforce these laws. Most noise ordinances designate “quiet hours” within their community. 10. Seek mediation. Filing a lawsuit should always be the last resort. Before you get there, speak with your neighbor about the problem. If it’s an issue that affects many neighbors, team up for more support. If that doesn’t work, seek mediation, which many cities and neighborhood councils now offer. Mediation can help neighbors address a problem and still preserve long-term relationships with your neighbor. If a legal issue arises between you and your neighbor, check Findlaw.com to learn about the law, to find more information on how to handle certain situations, and to find a lawyer in your area. (ARA)

Barbara Dunn Realty

L i f e and H o m e s

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315-732-9577

3. Courtesy call. Open communication is an important part of home ownership, and can help prevent future problems with your neighbors. They are more likely to be supportive with your projects if they know what’s going on ahead of time. If you are planning a major landscape or remodeling project, let your neighbor know in advance. And if you’re going to have a party that could create some unexpected noise, don’t just tell your neighbors about it, invite them.

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

No Job Too Small!

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 .

Area’s Commercial Leader www.prudentialcarucci.com

(315) 733-0463

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

H A R D W O O D ,

C E R A M I C

T I L E ,

We are dedicated to satisfying you every step of the way.

C A R P E T I N G ,

V I N Y L ,

L A M I N A T E

A R E A

R U G S

Enjem's Flooring America is more than just a flooring specialty store. We are experts trained in flooring sales and design and will help you find the perfect floor for the way you live. As part of America's leading flooring retail group, our 500-store nationwide buying power

guarantees you low prices on thousands of carpet types and other flooring options backed by the most solid warranties in the floor covering industry.

2010 Oriskany Street W, Utica, NY 13502 (315) 235-1165 • www.enjems.com

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

FAITH PROPERTIES

315-527-1252

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

110% Committed

to Serving Your Real Estate Needs!

Call, Email, or Text Anytime!

R tE Et

New Hartford

$389,500

Meticulous!! Private park-like setting on a cul-de-sac. Executive cape boasting 4000+ sq ft of living space. New granite counters & ceramic tile in spacious kitchen.

Linda Peters

Barneveld

$359,900

Frankfort

$199,900

$239,900

New Hartford

$174,900

Smashing, dramatic contemporary. Set among our area’s most beautiful estates in Trenton Falls neighborhood. Fabulous outdoor space.

Stunning setting. Wonderful floor plan in this 2000+ square feet colonial. Sauquoit schools. 6.76 Acres. Nice deck. Geo-thermal heating & cooling.

September

“Linda is amazing! She made this time that people say is extremely stressful, easy for us!” - Chris & Darlene

R tE Et

Clinton

$374,900

Lots of potential!! Unique oportunity awaits. Income producing property. Fam owned for 2 centuries. Updated for today’s lifestyle.

Newport

Meticulous colonial on acre lot surrounded by countryside across from West Canada Creek. 1/4 mi. from public fishing access.

Meticulous!! 3-4 Bedrooms. You will love this home and neighborhood. Split unit a/c. Large cedar closet. 16X16 deck with natural gas grill.

www.Life and Homes .com

L i f e and H o m e s

Associate Broker Cell: 315-527-1252 Email: LindaP1000@hotmail.com

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ER tt BE

Central New York â&#x2013;

L i f e and H o m e s

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

2400 Sunset Ave Utica, NY 13502

(P) 797.2400

Alex Sen Broker

Ed Kasperovich Sales Agent

Mark Enjem Sales Agent

“True Service with Savings”

Utica

$259,000

5 Russet Bush Lane Spacious contemporary, a must see. MLS#1001896 ALEX SEN

Whitesboro

Utica

$199,900

2400 Sunset Ave Absolutely one of a kind magnificent home in a private setting. Inground pool, patio, private yard, cherry kitchen.Many updates yet character is preserved. MLS#1001896 ALEX SEN

$189,000

6047 Cavanaugh Rd Nice floor plan on this newer home, super clean and efficient. 1st floor master with full bath, plenty of closets, bonus room over a large finished garage, lenox fully modilating high efficiency furnace with central air and whole house air purification and humidifier system. A must see! MLS#1001896 ALEX SEN

New Hartford

$959,900

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 ALEX SEN

September ■

10 Clyne Place Nice, hardwood floors. Move in ready! MLS#1001476 ED KASPEROVICH

$59,900

Utica

$59,900

811 Watson Place Well kept South-West Utica home, great yard, hardwoods. MLS#10012323 ALEX SEN

www.Life and Homes .com

L i f e and H o m e s

Whitesboro

#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

September August â&#x2013; â&#x2013;

www.Life and Homes .com

L L ii ff ee and and H H oo m m ee ss

735-8515

Campion-Weeks 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

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

Southeast Utica

$399,000

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

Marcy

$229,900

Beautiful & spacious brick ranch on 6+ acres. 4 bedrooms, ﬁreplace, new windows & doors. FR, DR, in-law apt, double gar. MLS#100532 www.Campionweeks.com 735-8515

Sauquoit

Azza Diorgi

Mark Canter

Susan Alberico

Caroline Marino

Sam Vedete

Vera Sadallah

Adeline Griffiths

Alice Donnelly

$239,900

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

Anne Hameline Anthony Desarro

735-8515

Brett Lojewski Carla Dochterman

Clinton

$279,900

Magniﬁcent 5 bd, 3.5 bath ranch, 3 bds 1st ﬂoor. FR, DR, 2 car att garage, plus 1 car. Gorgeous in-ground pool, sunroom. MLS#102653 www.Campionweeks.com 735-8515

Prospect

$149,900

Attractive 4 bedrm, 1.5 bath village home. FR, dining rm, modern kit, lge garage. Pretty yard backs up to park. Holland Patent schools. MLS#912774 www.Campionweeks.com 735-8515

Whitesboro

$164,900

Central New York

Impeccable 3 bd, 2 bath split level in Herthum Heights. FR, DR, new windows, att garage. Lovely, private yard. MLS#1002550 www.Campionweeks.com 735-8515

South Utica

$97,500

$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

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

South Utica

$115,000

New Hartford

$164,900

Charming 3 bd, 1.5 bath cape. DR, FR, ﬁreplace, newer kitchen & bath. Attached garage. Gorgeous deep yard. MLS#1002644 www.Campionweeks.com 735-8515

Whitesboro

$169,500

Immaculate 3 bedrm, 2 bath ranch. Fireplace, HW ﬂoors, updated roof, furnace & carpet. 2 car garage. MLS#1001835 www.Campionweeks.com 735-8515

East Utica

$119,900

New Hartford

$165,900

Attractive 4 bd, 2 bath cape in great neighborhood. Large lot, attached garage, sunroom. MLS#1002671 www.Campionweeks.com 735-8515

Whitesboro

$94,900

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

Neat & clean 4 bedrm cape. Large kitchen, appliances, new deck & roof. Attached garage.

Updated 3 bedrm colonial. Modern kitchen, DR, 1.5 baths. Fenced yard, garage.

MLS#101030 www.Campionweeks.com

MLS#1001848 www.Campionweeks.com

MLS#102426 www.Campionweeks.com

New Hartford

735-8515

$129,900

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

Chadwicks

735-8515

$129,900

Raised ranch w/ in-law apt or use as a 2 family. 3 bedrooms in each apt. Separate utilities, 2 car garage. Sauquoit schools. MLS#912942 www.Campionweeks.com 735-8515

East Utica

Carole Owen

Dave Malozzi

Kim Johnson

Linda Cavalier

Linda Kuzniar

Luis Montero

Marilyn Valvo

$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

South Utica

Carol Chiarello

MaryBeth Roberts Michael Grassi

735-8515

$89,900

Exceptional, family owned 2 family. 2 bds, dr in each apt. Many updates, vinyl siding, separate utilities, appliances. 2 car garage. MLS#102214 www.Campionweeks.com 735-8515

Pat LoGuidice

Paul Durrigan

Rosemary Nicotera

Ruth Fanelli

Sabrina Arcuri

Tom Conte

Tom Mazzotta

Wade Evans

Jerry Orsaeo

Jonathan Smoulcey

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Very well maintained 2 family. 2 bds down, 3 bds up, separate utilities. Many updates, new windows, 2 car garage. MLS#102626 www.Campionweeks.com 735-8515

Southeast Utica

West Winfield

$74,900

Great 3 bd, 1.5 bath home. Newer roof, windows. DR, FR, interior updates, lge barn. Vinyl siding. MLS#1002416 www.Campionweeks.com 735-8515

Rome

$69,900

Great 4 unit building, well maintained. Separate utilities, lge lot, 2 car garage. Store front. MLS#102174 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 .

Rome

$68,000

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

735-8515

East Utica

$65,900

Spacious, vinyl sided 4 bd, 2 bath home. Updated kitchen, baths roof & some windows. MLS#1002722 www.Campionweeks.com

735-8515

September â&#x2013;

www.Life and Homes .com

L i f e and H o m e s

2707 Genesee Street, Utica, NY phone: (315) 732-2336 www.remax-realtyresults.com

Olga Grandinette

Sales Agent Olga.grand@yahoo.com

Each Ofﬁce Independently Owned and Operated

1020 Tabor Place Yorkville, NY

1224 Oswego St Utica, NY

1321 Ash Street Utica, NY

$53,500

$52,500

$57,900

Cozy 3 bdrm bungalo with full attic for expansion. Hardwoods, large fenced yard and 2 great enclosed porches.

Cute 3 bedroom bungalow, applianced kitchen, formal dining room, hardwood ﬂoors.

Wonderful 3 bedroom bungalo, new vinyl siding, insulated windows, hardwood ﬂoors, new appliances, full attic for expansion, 2 stall garage, deep lot, nice yard. Great buy!

14000 State Route 28 Otter Lake, NY

189 Shells Bush Road Herkimer, NY

6325 Moot Rd Oneida, NY

$244,000

$179,000

$375,000

A magniﬁcent mission style year round home in otter lake area with water rights. Spacious new kitchen, formal dining rm, great living room with massive stone ﬁreplace.

Cuntry cape, 1 plus acres, 3 bedrooms, 2 baths, hardwoods, formail dining rm, family room, breezeway, 2 decks, ﬁnished basement, hot water baseboard heat with wood burner.

Secluded 23 acres w/bass stocked pond. Magniﬁcent view from the 2 large porches and deck w/pool. Country home offering 5 bdrm, 3 baths, 2 ﬁreplaces.

LOT OWNERS 1,000’s of Your Neighbors

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

discover why Central New York

for the past 50 years. If you’re a 1st time down-sizing, turn to us for help in building

L i f e and H o m e s

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the right home at a Better Price.

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

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 .

$189,900

Lot #110 Birchwood Lane, Whitesboro

Lou or Larry have been building these homes Home Buyer or Home Owner up-sizing or

WE WILL BUILD ON YOUR LOT OR SELECT ONE OF OURS

$159,900.00 On Your Lot 3 Bedrooms, 2 baths Full Basement, 2 Car Garage (stone optional). Not Included- Water Well Sewer, Finished Landscaping and Interior Painting

To Be Built - 1500 SF - 3 Bedroom Ranch, 2 Baths, Full Basement, 2 Car Garage (Stone Optional), Lot in Whitesboro’s Elegant “Hart’s View Terrace” Included. All Details Negotiable.

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

mortgageCorner

Plan to Pay Off Your Mortgage When buying a home or refinancing, the plan for many people was to get a mortgage with the lowest payment without considering principal reduction, and maybe use their home like an ATM machine to withdraw cash. Lessons from the real estate market may give homeowners a different perspective on managing personal finances. Today, a financially practical approach to mortgage borrowing is to consider keeping a home as a long term place to live, while planning for a specific time to have the mortgage paid off. Borrowers usually take the path of low payment over a plan to eventually be mortgage free. The idea of owning a home free and clear of any mortgage may be a foreign concept to many, but it’s only a matter of time, maybe 15 years or less. For example, a 15 year fixed rate mortgage can provide a realistic goal of being mortgage free, while saving thousands of dollars on interest payments, instead of a 30 year mortgage. Consider that a $200,000 loan with a 15 year mortgage could save as much as $120,000 over the life of the loan when compared to a 30 year mortgage term.

Another debating point about not paying off a mortgage has been the tax deduction benefit. In order to get an accurate picture of the tax benefit, compare the standard deduction allowed to itemized deductions with mortgage interest. If you paid $20,000 in mortgage interest for the year and received a $2,000 net tax write off, is that a good reason to prolong your mortgage?

The goal of living without a mortgage is attainable. If you can afford a 15 year mortgage, you set a timetable to one day enjoy the benefits owning your home free and clear. You also have the option of shaving a few years off the term by paying a little extra towards the principal balance each month. 15 year mortgage rates, by the way, are usually lower than 30 year rates.

Some benefits of a 15 year mortgage include:

Written by Rick Smith: Mortgage loan information at www.crhome.com and www.ditech.com, and new homes in San Diego at www.brookfieldsd.com. (Source: Biggerpockets.com)

• Provides a fixed term strategy to eliminate your monthly mortgage expense. • Incorporates the retirement of your mortgage into your overall retirement plan. • Long term investment that guarantees a rate of return by reducing your debt. • A future with less financial stress and the security of really owning your home. • Saving a large amount of interest expense on a 15 year term instead of 30 years.

In Japan, health officials check the waistlines of citizens over 40, and those considered too fat must undergo diet counseling. Failure to slim down can lead to fines. New Zealand bars people it deems too heavy from immigrating to the country.

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

Roger Guerrieri 315-533-7160 Mortgage Originator

Adam Hearty

Licensed Mortgage Banker • NYS Banking Department

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

Financial Services, Inc.

Anthony Tefel

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315-404-5253 Mortgage Originator

September

There is an ongoing debate about the pros and cons of paying off a mortgage. Behind the argument for not paying off your mortgage is the reasoning that you could invest the extra money and earn a higher return, while keeping your money more liquid. That may have been a good reason in the past, but the rate of return on investing now is more questionable, compared to the fact that every dollar paid to reduce a mortgage balance provides a guaranteed return equal to the interest rate on the mortgage.

by: Rick Smith

Hibernate in

Style & Comfort

OK, so humans don’t really hibernate, but when those bone-chilling northern winds arrive and snow starts to pile up against the door, we all tend to prefer the climate-controlled comfort of our own homes. And like all creatures, great and small, who endure the hardships of winter, we must prepare. Making a few home improvements can make your “nest” a little more habitable this winter. Winterizing If you consider your home to be a living, breathing thing, then its heating, ventilation and air conditioning (HVAC) system is its lungs and the ductwork its arteries. As you schedule checkups to keep your family healthy, do the same for your home’s heating system. An HVAC professional can perform a routine maintenance checkup to ensure all components of your HVAC system are operating properly and safely, and advise you on ways to improve energy efficiency. To locate an independent American Standard Heating & Air Conditioning dealer near you, visit www.americanstandardair.com.

Central New York

Here are some other suggested household checkups to cross off your list before winter arrives:

Olga Grandinette RE/MAX Realty Results

L i f e and H o m e s

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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.

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

* Check the ducts for leaks and inspect the fireplace and repair as necessary * Inspect windows and pipes for leaks * Properly insulate the attic * Remove dirt and clutter from gutters and replace gutters if they are damaged * Check smoke detectors and carbon monoxide detectors to ensure they are working properly Improving your home before cool air sets in As you winterize your home, it may become more apparent and more realistic to improve and replace rather than service and maintain. That old furnace may be costing you extra cash, and the cost of fuel never goes down in the winter. Also, have you considered the air quality in a home sealed up tight for the winter? Here are a few things you should consider improving to ensure a cleaner, healthier and more comfortable home environment: * Consider adding a heat pump to your HVAC system. A heat pump does the job of an air conditioner and a furnace. But unlike a furnace, it doesn’t burn fuel to create heat. It uses electricity and works with your indoor furnace or air handler to keep your home warm in the winter, cool in the summer, and comfortable all year round. American Standard Heating & Air Conditioning’s Heritage(R) 20 Communicating Heat Pump is an economical option for homes with gas and electricity available.

* A whole-home air filtration system may be what the doctor ordered ... literally. A tightened up home can be a haven for dust, dander, bacteria and the flu. An air filtration system can remove up to 99 percent of allergens from a home’s filtered air. It’ll keep you breathing easier and healthier. * Add a programmable thermostat - it can help you save time and money. * Add a dehumidifier. Keeping a good balance between too dry and too moist is difficult in the winter but houses with too much moisture can harbor bacteria and germs, and not to mention damage woodwork like window frames and doors. So, as your home creaks and settles into its winter routine you should be safe, warm and comfortable having enjoyed your preparations and improvements. (ARA) Double your closet space for just a few dollars by hanging a second rod below the existing rod. Buy a double hang closet rod or use a standard rod that easily attaches to the wall with screws. Companies distributed 315 billion grocery coupons worth $400 billion across the country in 2009, but less than 1 percent of these coupons were redeemed.

Amy Abdoo Dominion Homes

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

September â&#x2013;

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Exclusive Members That Have Shown Exceptional Customer Service

The Missing Pieces to a Hassle-Free Home Heating

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

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 Oneida County. Member Since 09/07

Member Since 09/07

tion System on the Market.

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

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

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

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

Central New York

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

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

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

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

Member Since 05/10

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

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

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

Adirondacks to Lake Ontario.We come to you!

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Member Since 09/07

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

structural, mechanical, plumbing, radon, & water.

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

Member Since 05/10

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

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THE HEARTH SHOP @ UNIV. BLDG SUPPLY 315-337-3340 Easy Track Closet Systems - Estimates, Design, 315-732-2350 Installation.The More Economical, Easy InstallaMember Since 02/08

Member Since 07/08

www.SuperiorPlusEnergy.com

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

Closets

KITCHEN DESIGN CENTER Serving CNY. Check out our winning combina315-724-7049

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

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

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

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

Insulation

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

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

ENVIRONMENTAL CONTRACTING 315-269-7900 Serving CNY. Specializing in Spray-On-Foam. Fully Member Since 09/07

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

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

Insured. Energy Saving Beneﬁts. Free Estimates

Swimming Pools

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

Group Discount • Accident Forgiveness • New Car Replacement • 24 Hour Claims Assistance

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

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.

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

Dependable Service for 20 Years.

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

Waterproof Solutions. Foundation Repair. www.wilcoxbasement.com

Laura Minard

4957 Commercial Drive Yorkville NY

768.1680 Ext. 205 525-1974 Cell

PRIME PROPERTIES

Featured Homes 11287 E. Center Street, Leonardsville

Symphony Place, Whitesboro

302 Tumbleweed, Deerfield

Charming Village Home. Large family homestead. This home has been in the family for years. Lovingly cared for with hardwood floors, fireplace, extremely large living room, country kitchen. Formal dining currently used as bedroom 4. Partial finished room behind kitchen could be additional Family room, bath or ? Large lot. $74,500

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!

www.coldwellbankerprime.com/gloria.rocci

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.

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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

September

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

undersold.

We will beat

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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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$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 40

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

Marcy

QSN# 41915

$189,900

North Utica

NEW CONSTRUCTION

$219,900

315.736.0865

stevebuck@buckconstruction.net