LifeandHomes Feb 2010 by Stephen Lisi

Central NY

Life and

Homes

Free

February

2010

Bringing people and homes together w w w. L i f e a n d H o m e s . c o m

Connecting Buyers & Sellers

Guide to Local Listings

Extend Big Home Little Budget

INSIDE

Ask the

EXPERT pg8

Mortgage

Tax Credit Opens Doors

Real Estate

Local Business

CORNERpg28 LISTINGSpg7 DIRECTORY pg30

We’re Almost There

Life and

Homes

Maybe it’s just me but once the calendar hits February, I start believing we’re on the other side of winter’s worst. We’re almost there, right? Sure it’s optimistic thinking, but it helps me resist the urge to pack it all up and head south. So far, so good. In the Northeast, the real estate market typically begins reviving as the weather breaks. Buyers, sellers, real estate professionals, title companies, builders...you name it, it seems everyone is hoping the anticipated change of seasons will bring a positive shift in the real estate market. Washington is attempting to help by extending the first time home buyer tax credit until April. They also opened the door for current home owners to qualify for a significant tax credit. Couple that with some exceptional deals on local listings and buyers and sellers may find it’s a good time to make a move. Let’s hope that translates to some healthy growth in the local real estate market in the coming months.

Oneida County NY, Edition Published By Life and Homes, INC. Publication Franchise 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

LifeandHomes and LifeandHomes.com is working to support the community by featuring local real estate listings from Realtors, Investors, For Sale By Owners, Contractors, Manufactured Home Builders, Developers, Commercial Developers, and more. We think you’ll enjoy the convenience of finding listings from a variety of resources all in one place. While you’re patiently waiting for the weather to turn and Spring to spring, take a look inside to see what’s on the market and visit www.LifeandHomes.com for an extensive inventory of property listings, articles and helpful resources. Start looking for that new house today. Spring isn’t that far away - we’re almost there.

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315-404-5253 Mortgage Originator

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

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LifeandHomes is published monthly by Lisi Merchant Solutions, Inc. Every effort has been made to ensure that home listings, advertisements and information are free of errors or omissions. The publisher does not guarantee the accuracy of the submitted information to Life and Homes Magazine and assumes no liability. This information has been compiled from public records and other sources we believe to be reliable, but we make no guarantee with respect to its accuracy or completeness or the absence of restrictions on use and are not responsible for any liability, loss, or risk that subscribers may incur, directly or indirectly, from using the contents of this site. Copyright © 2010 Lisi Merchant Solutions, Inc.

Bookmark your

Favorite Road

Planes and trains may have their place in our society, but for the dedicated traveler there’s still nothing like getting in your car and taking a trip along America’s highways. Half the fun of road trips, in the minds of many, is getting home and telling friends and family about the adventure – and the roads they traveled. In the past, drivers’ road stories were largely told by word of mouth to a few people at a time. Now drivers can tell their tales to millions via the Internet. FavoriteRoad.com is a new Web site that features America’s favorite highways and byways. The site encourages you to post your favorite roads and explain why you like them. Simply log on to submit a photo and story of your favorite road. You can then share your road via Facebook and Twitter. Your submission may even win a prize in contest giveaways. By posting on FavoriteRoad.com, you’re doing more than just “telling a good story.” Your testimonials may help encourage lawmakers to push for increased infrastructure spending to keep America driving smoothly and safely for years to come. What’s your favorite road? Log on and tell the world at FavoriteRoad.com. (ARA)

Tax Credit

• Apply the credit on your 2010 return, filed on or before April 15, 2011. • Attach documentation of purchase to your return. Visit www.housingmarketfacts.com for additional details. Consult with a qualified advisor when applying for the Tax Credit.

Easy Improvements To

Attract Buyers

A spare bath is a great investment. Second only to kitchen remodels for recouping resale value, bathroom additions boast a 63.5 percent rate of return, according to Remodeling Magazine’s 20082009 “Cost vs. Value” report. And when an upflushing, macerating toilet – or “up toilet” – is used for the project, its comparatively low installed-cost makes a bathroom addition very affordable. An up toilet can be installed virtually anywhere in the home. That’s because this type of plumbing system operates above the floor, using small-diameter piping to pump waste and water up, not down, and into sewer or septic lines. As a consequence, there is no need for the mess and heavy expense of digging through flooring, especially the concrete variety in the basement. Macerating technology is ideal for adding a bath in tight spots. The simple installation process drives the cost savings. Best of all, this type of home renovation reaps instant rewards, improving the quality of life now and paying dividends later. Learn more about low-cost above-floor bathroom systems by visiting www.saniflo.com or calling toll-free at (800) 571-8191. (ARA)

Current Homeowners Eligible For

Tax Credit

Many current homeowners can now qualify for up to a $6,500 home buyer tax credit. The initial success of the $8,000 first-time home buyer tax credit convinced Washington to expand the program and extend it until April 30, 2010. This extension, however, will be the last.

“The new provisions and modifications make an already enticing real estate market even more attractive and accessible. Interest rates are low and home prices are more affordable now than they have been in decades,” said National Association of Realtors® (NAR) Chief Economist Lawrence Yun. “There’s never been a better time for potential buyers to invest in their future through homeownership.” Many areas are already seeing a rise in home prices and demand, with multiple bids on properties becoming more common. According to the NAR Profile of Home Buyers and Sellers, first-time home buyers became homeowners in record numbers over the past year, comprising 47 percent of all home sales between July 2008 and June 2009. This flood of activity helped shrink housing inventory levels. Reduced inventory is a sign the market is returning to a more balanced state and helps sustain home values. Yun said that while the housing crisis isn’t over, the extended and expanded tax credit is a step in the right direction. “The bottom line is that the housing market is doing much better now than one year ago, and the home purchases using the tax credit should continue to reduce inventory to acceptable levels. The extension is a big win for consumers, but to take advantage of this rare opportunity, would-be buyers need to get the ball rolling and contact a Realtor® who can help them on the path toward owning a home.” For more information about the tax credit, visit www.HouseLogic. com/homebuyertaxcredit. (NAPSI)

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L i f e and H o m e s

advantage of the Extended Home Buyer Tax Credit. Here’s what you have to do to get your benefit: • Close on your home purchase between now and April 30, 2010 or have a binding written contract by April 30, 2010 and close by July 1, 2010. • Decide whether to:

•File and ammended 2009 return, or;

■

You’ve decided to purchase a home and take

before April 15, 2010;

Under the extended home buyer tax credit, current homeowners are eligible as long as they have lived in their present residence for five consecutive years within the past eight. First-time home buyers who haven’t owned a home in the past three years are still eligible for up to an $8,000 tax credit. Singles who make up to $125,000 and married couples who make up to $225,000 can qualify for the full credit. Those who exceed those income limits may qualify for a reduced amount.

February

Extended

• Apply the credit to your 2009 tax return, filed on or

The

newsShorts

Kitchen of the Future at your fingertips

We turn to technology to make many aspects of our lives easier - from traveling with a GPS to staying connected with loved ones via social networking Web sites. It’s no surprise, then, that our kitchens, the most-used room in the home, are becoming increasingly high tech. A study commissioned by a leading kitchen appliance manufacturer showed that a third of respondents spend three to four hours in the kitchen each day, and 20 percent spend five or more hours. The survey also showed that Americans are embracing technologies in this room, with nearly half of the respondents reporting they want a state-ofthe-art kitchen. Responding to the demand for technology, manufacturers are offering new gadgets and products designed to make kitchen tasks easier, faster and more energy-efficient:

• Touchscreen technology centers stationed in the kitchen allow users to access stored or online recipes and cooking tips. • Energy-efficient pots shorten cooking time and reduce energy usage by as much as 50 percent. • Water-powered garbage disposal units are operated by the water pressure in the kitchen and require zero electricity.

L i f e and H o m e s

■

Central New York

• Automated pantry systems catalog contents and keep track of what ingredients are running low or need to be replenished. “The kitchen is the hub of the home, where we spend significant chunks of time preparing meals and participating in a host of other activities,” says Bob Rodenbeck, senior research and development director at Delta Faucet

Company. “An often-overlooked opportunity to incorporate technology lies in the faucet. On average, a family of four touches it 150 times a day - when cooking, cleaning the home, washing our hands or just getting a drink of water.” Delta’s intuitive, touch-activated kitchen faucet offers increased efficiency and helps save water. The Pilar pull-down kitchen faucet with Touch2O Technology can be turned on or off with a simple touch to the spout or handle. With this technology, you’ll no longer have to use messy hands to operate the faucet, and if your hands are full it’s easier to stop the flow of water in between tasks when it’s not needed. Another innovation that makes Delta pull-down kitchen faucets more convenient and user-friendly is MagnaTite docking, which uses a powerful magnet to keep the pull-down spray wand firmly in place for a cleaner look. Similar in functionality to magnetic closures found on totes and personal electronic cases, the spray head engages with little effort. So what’s next? Rodenbeck said his team is always looking for opportunities to enhance the user experience. Delta recently launched two commercial faucets that use the body’s electrical charge to activate the flow of water. “We’re considering ways to apply this technology to residential fixtures in the kitchen and the bath.” (ARAcontent)

Saving TIPS Saving money may be easier than you imagine. A few simple tips and tools can help you get the most out of your money:

• When you feel the urge to go shopping, first, clean your closets. Separate clothes into piles to keep, donate, or sell on consignment. You may already have what you think you need. At the very least, you’ll have a better idea of what that is. This is especially important if you pay for storage. 4

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LifeandHomes provides Free Access to High Definition real estate Videos on Demand Local Homes For Sale

Go to www.LifeandHomes.com click on

“Life on Demand”

LH To Learn more about Life on Demand videos Contact- V Productions at 315-520-3524 or email: info@dashvproductions.com

5 McDonald’s Menu Flops • Don’t just buy the first thing you see. Compare prices and be alert to quality. Watch for seasonal sales at reliable shops.

• Before you can cut expenses, you have to track them. A budget book such as the “Dome Simplified Home Budget Book” can help. It offers pages on which you can log expenses, plus helpful information and tips to cut costs. • Use a shopping list and stick to it. This can reduce costly impulse buying.

For more information, visit www.domeproducts.com. (NAPSI)

Even the big boys make mistakes reports Jane McGarth of Getstuff. While many introductions to the McDonald’s menu have been successful, there were at least five flops that went down in Mcflames. They include: 5. The Hula Burger - grilled pineapple with cheese on a bun 4. McPizza - made-to-order didn’t impress the fast food crowd 3. Arch Deluxe - a stunning $100 million advertising flop 2. McLean Deluxe - lowfat burger made with seaweed extract 1. McAfrica - mistakenly launched in the midst of Africa’s massive famine (Source:money.howstuffworks.com/5-failed-mcdonaldsmenu-items.htm)

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newsShorts

Income Tax Versus

Property Taxes Like many American’s last February I went and visited my accountant to prepare and file a federal tax return. Many thoughts raced through my mind on how to spend my newly found fortune, new clothes, a welldeserved night out or possibly pay down the credit card.

Although all of them sounded appealing, like many of us I used my tax return to pay my property tax bill. This is a common way for many; use our tax return to pay our property tax. This vicious cycle has been played out every spring since I became a homeowner. It was not until last year that I thought about all of the planning and preparation that went in to my federal taxes only to glance at my property tax bill and write a check without question or a second thought. After utilizing many available tax deductions and credits many may find that the amount of federal taxes paid is less than the amount of their annual property tax.

Central New York

When we examine our local property tax the same concepts apply as federal tax, however we rarely take notice. For example most municipalities allow for tax deductions and credits to offset the amount of property tax due. Many states give you a lower tax rate just for owning the home as your primary residence, being a veteran, or if you are over 65 years of age to name a few.

L i f e and H o m e s

■

While these credits and deductions are important to take note of the more important issue is what your local government has valued your home at. This can often make the most impact to taxpayers. Known as your assessed value, this is what is used to multiply your local tax rates in order to arrive at the amount of property tax you will owe for the year. It is first important to find what your local assessor has for a property description of your home as mistakes often occur. Verify the square footage, the number of bedrooms and other data on your property record card is correct. Most assessors never look at your 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 .

By Ryan Richmond

home, rather employ mass appraisal systems and rely on public record information to assess your homes value. Why are we entrusting our local taxing authority to tell us our homes value? According to the Tax Foundation over 60% of homes in America are over assessed. More than half of us are paying too much property tax. All areas do allow taxpayers to dispute their annual assessment while less than 5% take corrective action. The bottom line is we need to take notice of our own

property taxes just as closely as we do our federal income tax filings. In this current housing market where a 10% reduction in home value could equal $500 in tax savings it is up to each taxpayer to assess their own assessment.

The website http://www.LowTaxRate.com is a free resource for taxpayers to better understand their property tax, tax assessments and offers help to dispute inflated tax assessments. It is important that we all make certain we are paying our fair share of tax. (Source: biggerpockets.com)

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February ■

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L i f e and H o m e s

Information Fair at

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Home Inspection Do I need a Home Inspection? Central New York

What is covered in a Home Inspection?

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Seller

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How will an Appraiser value my home?

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Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Ilion

$119,900

3266 Sheehan Road

260 S Fourth Ave

2 Bedrooms / 1.0 Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33604

For more details visit www.LifeandHomes.com Type in Quick Search #33941

RA Wilkes Real Estate

Bruce Ward & Company

Bambi Norman • 315-245-2263

Leslie Nicolette • 315-985-0212

Broker/Owner • rawilkes@dreamscape.com

Realtor • dnicolette@twcny.rr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Floyd

$234,900

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Kirkland

7373 David Road

$235,000 New Construction Fountain St

3 Bedrooms / 2.5 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33989

For more details visit www.LifeandHomes.com Type in Quick Search #33966

DB Allen Real Estate

Coldwell Banker Faith Properties

David Allen • 315-736-2020

Jay Groah • 315-272-3975

Broker/Owner • ALLENAPP@ROADRUNNER.COM

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Frankfort

$319,000

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Lee Center

$89,900

3851 State Rte 5

5555 Main Street

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33870

For more details visit www.LifeandHomes.com Type in Quick Search #33979

Bruce Ward & Company

Mark 1 Real Estate

Pam Radley • 315-717-7530

Joe DiMaggio • 315-337-6070

Lic. R.E Salesperson • pradley1@twcny.rr.com

Broker/Owner • jdimaggio@gurbr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Smith Inspection Services, llc

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.

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

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

Serving Central NY and the Mohawk Valley

■

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

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

February

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...

LifeandHomes.com Litlle Falls

Your All Inclusive Home Directory N Utica

$19,900

North Utica

5 Bedrooms / 2.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33916

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

Dominion Homes

Buck Construction

Amy Abdoo • 315-794-2653

Steve & Rick Buck • 315-736-0865

Broker/Owner • blon316@aol.com

Contractor/Developer • stevebuck@buckconstruction.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Litlle Falls

Licensed Mortgage Banker NYS Banking Dept

New Hartford

$84,900

New Hartford

4 Bedrooms / 1.5 Baths

3 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33986

For more details visit www.LifeandHomes.com Type in Quick Search #33998

Buck Construction

Tony Pavia • 315-735-9850

Steve & Rick Buck • 315-736-0865

Lic. R.E. Salesperson • apavia8453@aol.com

Contractor/Developer • stevebuck@buckconstruction.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Marcy

Licensed Mortgage Banker NYS Banking Dept

New Hartford

$25,000

112 Danberry Circle

0 Bedrooms / 0.0 Baths

3 Bedrooms / 3.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33844

For more details visit www.LifeandHomes.com Type in Quick Search #33965

Coldwell Banker Faith Properties

Barbara Dunn • 315-337-1677

Jay Groah • 315-272-3975

Broker/Owner • dunrealt@aol.com

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Mexico

Licensed Mortgage Banker NYS Banking Dept

New Hartford

$39,500

105 Paris Road

2 Bedrooms / 1.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33875

For more details visit www.LifeandHomes.com Type in Quick Search #33923

Gene Kranz • 315-454-0045

John Brown • 315-735-2222

Coldwell Banker Faith Properties

Broker/Owner • gkranz@twcny.rr.com

Broker/Owner • johnbrownsells@yahoo.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Morrisville

Licensed Mortgage Banker NYS Banking Dept

North Utica

$62,500

$209,900

Roher Road

North Utica

0 Bedrooms / 0.0 Baths

2 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33928

For more details visit www.LifeandHomes.com Type in Quick Search #33997

Thelma Chase • 315-363-5464

Steve & Rick Buck • 315-736-0865

Don Kingsley Real Estate

Buck Construction

Assoc. Broker • thinkthelma@twcny.rr.com

Contractor/Developer • stevebuck@buckconstruction.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Central New York

$177,500

235 Kenyon Rd

American Real Estate Company of CNY

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.

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$699,900

Trenton Road

Barbara Dunn Realty

L i f e and H o m e s

$349,900

245 Church Street

Town and City Real Estate

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

$319,900

59 Burwell St.

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

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

315-732-9577 Services Include: - kitchen-bathroom remodels - trim work and painting - flooring - windows and doors - seamless gutters and covers

No Job Too Small!

Richard Parent Coldwell Banker Prime Properties

Working together is Richard’s approach to helping buyers and sellers. Richard provides timely and effective communication while servicing all clients with a high level of full time professional service. Richard has over 30 years of sales, supervisory and national corporate experience and is a member of both Utica & Syracuse MLS systems. While residing in New Hartford with his wife Shirley he provides services throughout central New York. Contact Richard today to help streamline your real estate needs! Phone: 315-768-1680 Web: RichardParentHomes.com

Your All Inclusive Home Directory North Utica

LifeandHomes.com Poland

$239,900

1887 Newport Road

3 Bedrooms / 2.0 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33999

For more details visit www.LifeandHomes.com Type in Quick Search #33573

Buck Construction

Coldwell Banker Faith Properties

Steve & Rick Buck • 315-736-0865

Judy Hinman • 315-794-8305

Contractor/Developer • stevebuck@buckconstruction.net

Agent • jhinman@gurbr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Oneida

Licensed Mortgage Banker NYS Banking Dept

Remsen

$104,900

9065 Dole Rd.

2 Bedrooms / 1.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33938

For more details visit www.LifeandHomes.com Type in Quick Search #32915

Dominion Homes

Thelma Chase • 315-363-5464

Amy Abdoo • 315-794-2653

Assoc. Broker • thinkthelma@twcny.rr.com

Broker/Owner • blon316@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Oneida Castle

Licensed Mortgage Banker NYS Banking Dept

Rome

$167,900

$189,000

East 7th Street

111 W Thomas

3 Bedrooms / 1.5 Baths

0 Bedrooms / 0.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33929

For more details visit www.LifeandHomes.com Type in Quick Search #32649

Don Kingsley Real Estate

Barbara Dunn Realty

Thelma Chase • 315-363-5464

Barbara Dunn • 315-337-1677

Assoc. Broker • thinkthelma@twcny.rr.com

Broker/Owner • dunrealt@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Otsego

$325,000 Otsego County Dairy Farm

Rome

0 Bedrooms / 0.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33943

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

David Posson • 607-316-3758

Tracy Winterton • 315-335-3843

1St. Rome Realty

Broker/Owner • possonrealty@frontiernet.net

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Parish

$64,000

2 Carmel Drive

Posson Realty LLC

Licensed Mortgage Banker NYS Banking Dept

Rome

$78,900

$220,000

12 Gridley Blvd

6199 Lorena Road

2 Bedrooms / 1.0 Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33984

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

Tony Pavia • 315-735-9850

Tracy Winterton • 315-335-3843

Town and City Real Estate

1St. Rome Realty

Lic. R.E. Salesperson • apavia8453@aol.com

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

MidState Contracting Barry Kotary

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

315.335.8073

New Hartford/ Clinton

High Traffic Newly Remodeled VERY AFFORDABLE!

Call 315-794-6533 www.Life and Homes .com

L i f e and H o m e s

7710 McKern Rd Rome, NY

700 Sq Ft Commercial Office Space FOR LEASE

■

$65 for most filers

Licensed Mortgage Banker NYS Banking Dept

February

TAX TIME AGAIN 315-796-2258

$42,500

313 Loucks St

Don Kingsley Real Estate

Call J. E. Siegfried at

$59,500

North Utica

LifeandHomes.com Rome

$295,000

Your All Inclusive Home Directory Rome

$245,000

1323 Craig Street

167 Hilson Drive (Lee)

4 Bedrooms / 2.5 Baths

3 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33940

For more details visit www.LifeandHomes.com Type in Quick Search #33980

Barbara Clemens • 315-334-1046

Joe DiMaggio • 315-337-6070

Clemens-Beckley Real Estate Broker/Owner • BCLEMENS@CNYMAIL.COM

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$285,000

Mark 1 Real Estate Broker/Owner • jdimaggio@gurbr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

1101 N. George Street

406 W. Oak Street

7 Bedrooms / 3.5 Baths

4 Bedrooms / 3.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #32308

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

John McMahon • 315-334-1046

Maria E. Dailey • 315-336-0433

Clemens-Beckley Real Estate Lic. R.E Salesperson • JMCMAHO8@TWCNY.RR.COM

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$249,900

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$69,900

5948 Fairway

817 Roosevelt Ave

4 Bedrooms / 2.5 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33954

For more details visit www.LifeandHomes.com Type in Quick Search #33977

Wendy Palinski • 315-334-1046

Melissa Clark • 315-733-0463

Clemens-Beckley Real Estate Lic. R.E Salesperson • WKPALINSKI@AOL.COM

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Prudential J.R. Carucci Real Estate Realtor • mclark@prudentialcarucci.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Modular Construction

Alternative

L i f e and H o m e s

■

Central New York

Seminar

seminar for home buyers looking for new construction that thought they

February 27 from 12:00-2:00 North Utica Hampton Inn

could only afford a modular home.

Refreshments Served

homes at the same cost of a modular.

Steven G. Buck Buck Construction 105 Main St. Whitesboro, NY 13492

Buck Construction will be hosting a

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 .

Buck is now offering custom

built

For reservations to attend the seminar please call 315-736-0865. Seminar will be held at the Hampton Inn in North Utica.

Affordable Quality Homes Starting at $149,900

Stick Built & Modular COMING SOON!

Video Tour

www.lifeandhomes.com

QSN #33898

H o m e B u i l d e r , S i t e D e v e l o p m e n t, P r o j e c t M a n a g e m e n t

R. kessler

R. Kessler and Associates has been building and renovating homes throughout the Northeast for over 25 years. Our Passion is complete satisfaction and Quality for all of our customers. Quality is the only way we build! Thank you to all of our new customers, their business, and the kind recommendations they’ve given.

& ASSOCIATES

Call Robert today for this month’s special!

Robert Kessler Holland Patent, NY P. 315.525.6204 F. 917.534.6024 E. panel@dreamscape.com

We all need to believe more in ourselves and know that our worth is more than what we possess. Don’t sell yourself short. God Loves You.

Featured Home

Ilion 260 S. Fourth Ave

$119,900

Beautiful 3 bedroom 1 1/2 bath ranch in Barringer Road School district. Gleaming hardwood floors throughout, new roof in 2008, and freshly painted interior. This house is great for families with it’s fenced yard, above ground pool, and finished family room in basement. The basement also has a workshop area, bright large laundry room, and storage area. Extras included are water softener, all appliances, and a brand new water heater in November 09. There is also central air and a 2 car attached garage. The price has recently been adjusted for a quick sale. Don’t wait. Mark your calendar for the open house.

Open House Sunday, February 7

1-3pm

315-866-2002

For more information go to www.LifeandHomes.com and type in QSN#33941

www.Life and Homes .com

L i f e and H o m e s

315-985-0212

broker

■

Bruce Ward & Co

agent

February

Leslie Nicolette

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 .

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

John Brown Team

John Brown

Veronica Bunce Coe

Lori Scalise

Marcia Archibald

Cindy Brown-Major

Michelle Gorea Thompson

Cliff Ganey

Cindy Lazzaros

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

ABR Accredited Buyer Representative The Benchmark of Excellence in Buyer Representation Jim Lenahan

F I N A L LY !

Call the

Specially Trained buyer’s agents. Call the ABRs.

February

Jim Lenahan

■

723.2270

Cindy Major 269.7357

www.Life and Homes .com

L i f e and H o m e s

Did you know that anyone with a Real Estate License can represent buyers? But out of hundreds of local agents, there are only a few that have been specially trained to do a great job of it.

Cindy Major

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 .

Your All Inclusive Home Directory Rome

LifeandHomes.com

$54,500

Sauquoit

$499,500

111 Frederick St

Sauquoit Valley

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33935

For more details visit www.LifeandHomes.com Type in Quick Search #33887

Tony Abone • 315-339-2222

Walt Pratt • 832-651-5427

RE/Max All Pro

Broker/Owner • proabone@cnymail.com

FSBO • rob@cybervillage.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

Oneida County - FSBO

$79,900

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Stittville

$199,900

8411 Dawn Dr.

9048 State Rt 365

3 Bedrooms / 1.5 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33937

For more details visit www.LifeandHomes.com Type in Quick Search #32851

Tony Abone • 315-339-2222

Bambi Norman • 315-245-2263

RE/Max All Pro

Broker/Owner • proabone@cnymail.com

Broker/Owner • rawilkes@dreamscape.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

RA Wilkes Real Estate

$139,900

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Taberg

$92,900

300 N. Charles St.

8597 Ranney Rd.

4 Bedrooms / 2.5 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33936

For more details visit www.LifeandHomes.com Type in Quick Search #33628

Tony Abone • 315-339-2222

Amy Abdoo • 315-794-2653

RE/Max All Pro

Broker/Owner • proabone@cnymail.com

Broker/Owner • blon316@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

Dominion Homes

$49,950

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Taberg

118 N. Crescent Dr.

4225 State Route 69

2 Bedrooms / 1.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33934

For more details visit www.LifeandHomes.com Type in Quick Search #32479

Tony Abone • 315-339-2222

Ted Learned • 315-337-0666

RE/Max All Pro

Broker/Owner • proabone@cnymail.com

Sales Manager • lvihomes@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

Leisure Village Inc.

$69,500

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

$8,900

945 West Thomas St

1204 Hart St.

3 Bedrooms / 1.5 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33985

For more details visit www.LifeandHomes.com Type in Quick Search #33553

Tony Pavia • 315-735-9850

Amy Abdoo • 315-794-2653

Town and City Real Estate Lic. R.E. Salesperson • apavia8453@aol.com

Dominion Homes Broker/Owner • blon316@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Barbara Dunn Realty

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Leslie Nicolette February

Bruce Ward, Lic RE Agent

I’ve been an agent with Bruce Ward & Company for over 2 years and especially

■

enjoy helping clients find their perfect customer service and communication, which make transactions flow

800-432-8669 www.mohawkhcs.com

smoothly. I do my best to treat all those I work with as I would want to be treated. Contact me for all your real estate needs.

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

Phone: 315-985-0212 Web: dnicolette@twcny.rr.com. www.Life and Homes .com

L i f e and H o m e s

home. I’m committed to excellence in

LifeandHomes.com Utica

$34,900

$139,900

20 Springate Street

5 Bedrooms / 2.0 Baths

6 Bedrooms / 3.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #33740

Dorothy Neumann • 315-527-3542

Tony Myers • 315-525-6291

Broker/Owner • neu.dot@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

$44,900

The Nehemiah Fund Investor • tonymyers@verizon.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica (North)

1616 Brinkerhoff Ave

Colonial Square

6 Bedrooms / 2.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33993

For more details visit www.LifeandHomes.com Type in Quick Search #33626

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

Utica

$59,900

Buck Construction

Steve & Rick Buck • 315-736-0865 Contractor/Developer • stevebuck@buckconstruction.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Waterville

$159,900

717 Plant Street

1484 Bogan Rd

0 Bedrooms / 0.0 Baths

3 Bedrooms / 2.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #33744

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

Utica

$109,000

K D Homes

David Sullivan • 315-725-1434 Lic. R.E Salesperson • kdhomes@frontiernet.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

West Winfield

$289,000

1422 Miranda Dr.

235 Cole Hill Road

2 Bedrooms / 1.0 Baths

5 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33976

For more details visit www.LifeandHomes.com Type in Quick Search #33816

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

Utica

$14,900

United Country Real Estate/HBE Group, Inc. Sharon Baisley • 315-867-3909 Broker/Owner • hbegroup@twcny.rr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Westmoreland

$219,900

Varick Street

Eureka Road

5 Bedrooms / 2.0 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33813

For more details visit www.LifeandHomes.com Type in Quick Search #34000

Oneida County - FSBO

Bonnie Bennett • 732-5793 FSBO • 0@0.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

Utica

1400 Seymour Ave

NeuDot Realty

Your All Inclusive Home Directory

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 .

Buck Construction

Steve & Rick Buck • 315-736-0865 Contractor/Developer • stevebuck@buckconstruction.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Your All Inclusive Home Directory Westmoreland

Commercial Listings

$92,000

Rome

$189,000

6714 Dix Rd.

111 W Thomas

2 Bedrooms / 1.0 Baths

0 Bedrooms / 0.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33918

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

Mike McNaughton • 315-264-3081

Barbara Dunn • 315-337-1677

Dick Stanton Real Estate Assoc. Broker • mike@mcnaughtonhouse.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

$275,000 6042 Lower Lawrence St

Rome

5 Bedrooms / 2.0 Baths

0 Bedrooms / 0.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33644

For more details visit www.LifeandHomes.com Type in Quick Search #33926

Joseph A. Mellace Esq. • 315-356-0800

Denise Witchley • 315-337-0841

Westmoreland

Esquire Real Estate Broker/Owner • AMELLAC@twcny.rr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Whitesboro

$114,900

$179,900

217 N George St

Homecoming Realty

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Marcy

$79,000

263 Main Street

Church Road N

4 Bedrooms / 1.0 Baths

0 Bedrooms / 0.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33855

For more details visit www.LifeandHomes.com Type in Quick Search #33845

Coldwell Banker Faith Properties Jay Groah • 315-272-3975

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

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Whitesboro

Barbara Dunn Realty

$285,000

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Herkimer

$49,000

11 Jonathan Court

Bar/Tavern

4 Bedrooms / 2.5 Baths

0 Bedrooms / 0.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33994

For more details visit www.LifeandHomes.com Type in Quick Search #32584

Mid NY Homes.com

Dan Lazarek • 315-542-4338 Lic. R. E. Broker • midnyhomes@live.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Whitesboro

$157,000

Accent Brokerage, Inc.

Becky Smith • 315-868-3098 Broker/Owner • rsmith@accentbrokerage.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Sylvan Beach

$688,000

55 Main Street

HollyRock Sylvan Beach

3 Bedrooms / 1.0 Baths

0 Bedrooms / 0.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #33764

Royal Realty

Rob Savoy • 315-337-2229 Broker/Owner • info@royal1realty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Accent Brokerage, Inc.

Becky Smith • 315-868-3098 Broker/Owner • rsmith@accentbrokerage.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Trying to

February

Reduce Expenses!

■

Let us Help!

Call J. E. Siegfried at

315-796-2258

www.Life and Homes .com

L i f e and H o m e s

No Cost Financial Review.

Keeping your wood floor’s

natural shine

Wood floors are a beloved part of a home, and are also a great investment that can boost your home’s value by up to $10,000, according to the Hardwood Information Center. The wood care experts who make Murphy Oil Soap have some advice on how to keep your floors looking shiny and beautiful. * The first key to maintaining your wood floors is to know what type of finish you have. Most wood floors installed after the 1960s are finished with polyurethane, which hardens into layers of solid plastic sheets on the surface of the wood.

L i f e and H o m e s

■

Central New York

To find out, scratch the surface of the wood with a coin in an inconspicuous area. If the finish flakes off,

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 .

a finish like varnish or shellac was probably used. If you think you have wax floors, apply a few drops of water and wait 10 minutes. If white spots appear under the droplets, then your floor has a wax finish. A polyurethane finish will not flake after being scratched with a coin, and white spots will not appear after exposure to water droplets. * A finish with a dull and lifeless appearance can usually be revived with a good cleaning to remove accumulated dirt. For polyurethane-finished floors, use a cleaner like Murphy Oil Soap for cleaning. To give

your floors the best shine, make sure you follow diluting directions properly when using the concentrated version of Murphy Oil Soap. * Other ways to help preserve your wood floor shine include regularly sweeping and vacuuming your floors weekly; placing area rugs in high traffic locations; using floor protector pads or soft felt on the bottoms of furniture legs; setting a humidifier or dehumidifier to maintain a level of 30 to 50 percent humidity in the home; and protecting your floors from direct sunlight. (ARA)

Utica

FOR SALE

Rome

FOR SALE

2201 Erie Street

301 Mill Street

Commercial corner w/3,700 +/- sf mixed use w/ paved parking, 2 OH doors, all public utilities, 3 phase, motivated seller.

52,000 +/- SF industrial building available, plenty of office space, full shipping & receiving entrance.

Pyramid Brokerage Company Matt Pryputniewicz • 315.736.0856x2307

Pyramid Brokerage Company 315.736.0856

Utica

For Lease

502 Court Street

Utica Herkimer

For sale or lease

Route 28

1,000 – 25,000 +/- SF office space, will build to suit, elevator & 2 parking lots, maintenance staff on premises.

8,500 +/- SF truck parts business on 69 +/- acres of land, great development/business opportunity.

Pyramid Brokerage Company Rick Brower • 315.736.0856x2304 Anthony Hathaway • 315.736.856x2305

Pyramid Brokerage Company Anthony Hathaway • 315.736.0856 x2305

Utica

Trenton

1210,1214,1220 Bleecker Street Custom Body Shop, 8,664 +/- SF with 4 BR apt., turnkey operation, all equipment included, 2 paved lots

For Sale Or Lease 8119 State Route 12 65,000 +/- flex space, single story building on 7.6 +/- acres, building includes office space

Pyramid Brokerage Company Matt Pryputniewicz • 315.736.0856x2307 Tony Hathaway • 315.736.0856x2305

Pyramid Brokerage Company Joe Summa • 315.736.0856 x2303 Anthony Hathaway • 315.736.0856 x2305

Herkimer

Utica

For sale or Lease

Route 28 11,500 +/- SF showroom/office/warehouse building, 14’ ceilings, 2.1 +/- acres, 3 phase power.

Pyramid Brokerage Company Anthony Hathaway • 315.736.0856 x2305

New Hartford

For Lease

3805 Oneida Street

Pyramid Brokerage Company Mike Conley • 315.736.0856 x2315

New Hartford 140 Clinton Road Unique 17,000 +/- SF building situated on 3.5 +/- acres, outstanding opportunity for medical/professional office.

Rick Brower • 315.736.0856 x2304 Anthony Hathaway • 315.736.856x2305

Vernon

$1,800,000

Route 49 Plaza

10 Ward Street

Retail/Office space available, up to 4,800 +/- SF

20-22 Foot clear height at eves with nine (9) truck docks and one (1) at grade overhead door. Easy Access to NYS Thruway and St Rte 5.

$10-$12 psf

Pyramid Brokerage Company Mike Conley • 315.736.0856 x2315 Matt Pryputniewicz • 315.736.0856 x2307

Pyramid Brokerage Company Mark Mojave • 315.735.0856x2306 Anthony Hathaway • 315.736.856x2305 www.Life and Homes .com

L i f e and H o m e s

For Lease

Pyramid Brokerage Company Anthony Hathaway • 315.736.0856 x2305

■

Marcy

17,820 +/- SF downtown office/retail building, beautifully renovated office space plus store front.

February

Up to 4,500 +/- SF multi-use space available in small retail plaza, good traffic flow, parking available.

For Sale or Lease 171 Genesee Street

You Gotta Have Faith. Each Office is Independently Owned and Operated

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

Herkimer

$50,000

89 Oakdale Ave S

3 Bedrooms/1.25 Baths

3 Bedrooms/ 1 bath

Coldwell Banker Faith

Utica

MLS #1000009

$52,000

3 Bedrooms/1 Bath

4 Bedrooms/ 1 Bath

Coldwell Banker Faith

Spacious 4 bedroom bungalow in desirable York Heights. Hardwoods, appliances included. Newer furnace and hot water tank. $1500 To buyer towards new windows. For more details and pictures visit www.uticaromerealtor.com MLS #913079

$54,900

Schuyler

525 Tilden Ave

5707 Mapleton Ave

6 Bedrooms/ 2 Baths/ 2 Units

5 Bedrooms/2 Baths

Nice 2 family with 3 bedrooms each floor. Separate utilities. New one side of the roof,newer vinyl replacement windows, front porch and more. Great investment! For more details and pictures visit www.uticaromerealtor.com

Coldwell Banker Faith

Located on the border of Herkimer County off Herkimer rd. Needs some TLC. 2 Bedrooms down and 3 up with 1 tandem. Some hardwoods. For more details and pictures visit www.uticaromerealtor.com MLS #913126

$59,900

Clark Mills

1202 Churchill Ave

9 Prospect St

3 Bedrooms/ 2 Baths/ 2 Units

3 Bedrooms/ 1 Bath

What a buy! Immaculate well maintained home. 2 Family, Sunporch, fenced yard, 2 car tandem garage. Some hardwoods, super price!!! For more details and pictures visit www.uticaromerealtor.com

Coldwell Banker Faith

Great home w/ hardwood floors, nice woodwork, updated kitchen, gas furnace and h/w heater. For more details and pictures visit www.uticaromerealtor.com MLS #913390

$64,900

Frankfort

126 Richardson Ave

309 Litchfield Street

3 Bedrooms/1.5 Baths

3 Bedrooms/2 Baths/2 Units

Priced to sell! New electric,roof-including plywood (6/09),hot water tank, new furnace(1/08), new appliances. Furnace is vented outside. Nice deck and privacy fence. For more details and pictures visit www.uticaromerealtor.com

Coldwell Banker Faith

Hard to find, well maintained 2 family. Long term tenants, separate utilities, lots of replacement windows. For more details and pictures visit www.uticaromerealtor.com MLS #1000019

$64,900

Utica

1102 Addison St

1249 Kossuth Ave

3 Bedrooms/ 1.5 Baths

3 Bedrooms/1.5 Baths

Updated kitchen with island. Most new windows w/ warranty, original crown moulding, deck, garage, interior recently painted! For more details and pictures visit www.uticaromerealtor.com

Coldwell Banker Faith MLS #1000150

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 .

$82,900

Coldwell Banker Faith

MLS #911608

Utica

$89,900

Coldwell Banker Faith

MLS #913171

Utica

$79,900

Coldwell Banker Faith

MLS #912646

Utica

$74,900

Coldwell Banker Faith

MLS #1000120

Central New York

Utica 1416 Fincke Ave

Oversized 1.5 Stall attached garage, a great attached workshop, gas hot water heat, large bath. Hardwood under carpeting. Nice fenced yard with covered patio. For more details and pictures visit www.uticaromerealtor.com

â&#x2013;

Affordable 3 bedroom ranch, extra large lot, covered patio. 1 1/2 stall garage, new roof and storm doors. Some replacement windows. For more details and pictures visit www.uticaromerealtor.com

1104 Mathews Ave

Utica

$69,900

Coldwell Banker Faith

MLS #1000120

L i f e and H o m e s

New Hartford

310 Moore Ave Updates include vinyl siding, windows, front roof, new garage, furnace, water heater, flooring, lighting, paint and more!!! For more details and pictures visit www.uticaromerealtor.com

735-2222

$105,000

Well maintained 3 bedroom ranch. Hardwoods, finished basement, wonderful deep yard. An easy price for this location. For more details and pictures visit www.uticaromerealtor.com

Coldwell Banker Faith MLS #913183

Ted Derby

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

Cindy Major

Jonathon Smoulcey Judy Hinman

Deansboro

Cliff Ganey

Keith Schuderer

Deborah Hapanowicz

Bert McCumber

Derby Family

Kelli Inserra

$109,900

Linda Peters

Diane Lockwood

Lori Hamlin

Henri Abiyaghi

Lori Scalise

Ismail Yildirim

Jay Groah

Michelle Faga

Marcia Archibald Pauline Nicoterra

Rick Rodio

Forestport

2705 State Route B

State Route 28

3 Bedrooms/1½ Bath

3 Bedrooms/ 2 Baths

Live in the country w/the charm & character of the past. Includes mahogony wood trim,pocket doors,hdwd floors,walk-up attic,dry basement. For more details and pictures visit www.uticaromerealtor.com

Camp or year round home (modular) mastersuite with plenty of closet space. Appliances included GE profile stainless. Lake rights and snowmobile trails. For more details and pictures visit www.uticaromerealtor.com

$119,900

New Hartford

2292 State Route 12

105 Paris Road

3 Bedrooms/1 Baths

3 Bedrooms/2 Baths

Easy price on this 3 bedroom ranch. Hardwoods. Hot water heat, 2 car garage. Newer roof and vinyl siding. Great lot! For more details and pictures visit www.uticaromerealtor.com

Coldwell Banker Faith

$177,500

Situated on a professionally landscaped lot close to village amenities. Charming home with remodeled kitchen, appliances and remodeled baths. For more details and pictures visit www.uticaromerealtor.com

Coldwell Banker Faith

MLS #913078

MLS #1000141

$169,900

Camden

352 Main Street

3075 Schultz Road

11 Bedrooms/ 4 Baths/4 Units

3 Bedrooms/ 2½ Baths

Very well maintained, 4 unit plus storefront or barbershop with half bath, separate utilities, appliances included. Large apartments, Great income producer! For more details and pictures visit www.uticaromerealtor.com

Coldwell Banker Faith

$249,500

45 Peaceful country acres is a must see.Amazing country views & direct access to snowmobile trails.New kit,master suite w/new bath,great rm w/fireplace. For more details and pictures visit www.uticaromerealtor.com

Coldwell Banker Faith

MLS #913320

New Hartford

$179,500

MLS #913137

MLS #913277

New York Mills

Rosemarie Costello

Coldwell Banker Faith

Paris

Veronica Coe

MLS #913272

$159,900

Trenton

$399,900

188 Valley View Road

1 Fish Hatchery Road

4 Bedrooms/ 2 Baths

5 Bedrooms/3 Baths/2 Half Baths

Beautiful setting w/ extra deep yard for this stone & vinyl cape w/ inground pool, hardwoods, att garage, updated windows, furnace/central air and more. For more details and pictures visit www.uticaromerealtor.com

Coldwell Banker Faith

Coldwell Banker Faith MLS #911370

MLS #910419

Marcy

With over 4000 sq ft of finished space and its own private lake/pond set privately for discreet living. Wonderful open rambling floorplan For more details and pictures visit www.uticaromerealtor.com

$175,000

Barneveld

5740 Carey Road

$499,000 10843 North Gage Road

3 Bedrooms/ 3 Baths

4 Bedrooms/3 Baths/2 Half Baths

Coldwell Banker Faith

MLS #910986

MLS #1000010

46 River Street 4 Bedrooms/2.5 Baths Classic charm w/an in-law apt. Potential for a bed&breakfast on 3rd flr. Many updates include: new kit,granite counter tops, dbl staircase! For more details and pictures visit www.uticaromerealtor.com

Coldwell Banker Faith MLS #913341

Newport

$649,000

8447 State Route 28 4 Bedrooms/2.5 Baths Fabulous bezak built cedar home with drama, privacy and incredible setting with sandy beaches. Additional 2 bdrm home(camp) For more details and pictures visit www.uticaromerealtor.com

Coldwell Banker Faith MLS #912301

www.Life and Homes .com

L i f e and H o m e s

$178,500

■

Richfield Springs

Fabulous custom built transitional home with all the extras. 2nd fr in bsmt w/fp wet bar. Great floor plan. In ground pool and 30x50 Barn. For more details and pictures visit www.uticaromerealtor.com

February

Custom built home. Ground level has 6 stall deep heated garage w/ elevator. Full bath, office, kitchenette area and in floor radient heat For more details and pictures visit www.uticaromerealtor.com

6733 State Route 233, Rome NY • 315-336-7323

4 Bedroom

Our Best Buy

On Cul-De-Sac

Large New 4 Bedroom 2 Bath Ranch. New Range and Refrigerator, Great for Kids, on Cul-De-Sac, Large Deck and Storage Shed $59,900

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

Very Nice 3 Bedroom 2 Bath Ranch on Cul-De-Sac. Fireplace, Oversized Insulated Garage New Roof, New Carpet, New Windows $53,900

Beautiful Ranch

Near New

Nice & Comfortable

Owner Transferred. Pristine 3 Bedroom 2 Bath Ranch, Central Air, New Windows, 1½ Car Garage, Large Deck, Some Harwood Floors, Jacuzzi. Reduced- Must Sell! $48,900

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

Large 3 Bedroom 2 Bath Ranch, Woods in Rear, Central Air, 1½ Car Garage, All Appliances, Including Dishwasher, Washer & Dryer, Fireplace, More. Must See! $54,900

Central New York

Otsego County

■

L i f e and H o m e s

$325,000

Otsego County Dairy Farm - 150 m/l acres. Good 2 story 49 stall barn. 45x45 shop & machinery building, 45x45 young stock barn. 2 upright silos w/good un-loaders. Nice 2 story 5 bedroom home set up for two families. 2 small ponds. Very quiet road, beautiful views, nice location. Farm borders nice large state forest. Owner is retiring. Asking $325,000.

Gracious Community Living • Meticulously Maintained • Rome Water • Secure • Financing Available • No Closing Costs Open Mon, Tues, Wed, Fri, & Sat WESTMORELAND SCHOOLS

Catskill

$350,000

Catskill, NY. Minutes to I87. 100 miles from NYC. 60+/- acre Gentleman’s Farm. Outstanding views of the Catskill Mountains. Great for vegetable growing. 2 large pole barns. Good 2 story 4 bdrm 2 bth Brick Cape style home. Trout stream. Good fishing & hunting. This is a great place to raise beef or horses, make hay & grow vegetables. Fair offers are being considered! Reduced to sell from $400,000 to $350,000.

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 .

Washington County

$649,900

Washington County Farm. 383 acre dairy farm situated on a very quiet road with beautiful views of the Adirondack Mountains. 230 acres tillable all in hay. 120 acres of woods. Balance pasture. Good 95 stall Dairy barn ready to milk. Machinery Building, 3rd barn for hay storage. Very nice 5 bedroom home. Year round stream. Awesome hunting. Close to Lake George. Easy to get to from Albany. Mins from I87. Asking $649,000 additional land available for purchase.

Herkimer

$230,000

Southern Herkimer County NY. Gentleman’s Farm. 58 acres. Very nice 2 story 4 bdrm home. Well kept & maintained. In ground swimming pool. 2 car garage. Good 2 story 36x70 barn. Room for 25 head of cattle. Drive in mow. Hold appox. 5,000 bales of hay. Very nice year round stream. Decent fencing for beef or horses. Great Hunting. Great place for a road side stand. Close to all! Asking $230,000.

mortgageCorner Mortgage Pre-Approval Worth More Than Being Pre-Qualified

By Elizabeth Dennis

The words look and sound the same, but being pre-qualified and pre-approved for a home loan are different things. Let us take a look at their differences and how they compare to a full loan approval. Pre-Qualified The process of getting pre-qualified for a home loan is quite easy. You can do so in person at a local bank or mortgage lender or better yet, on the phone or via the internet. The service is usually free of charge. The lender will ask you for very basic personal and financial information. Be prepared to provide your: - address and how long you have lived there - total income - total debts - current assets - overview of your credit standing The lender will use this information to estimate what you will likely be able to borrow. This is an “educated guess” and is simply used to ballpark the price range for your new home. While this information is very important to you in terms of budgeting for your home, it may or may not impress the seller if you are hoping to use it as bargaining tool. The sellers are aware that the mortgage lender is not committed to providing you a home loan as a result of running these numbers for you. The seller will want more. Additionally, because the lender did not verify your accounts or debts and in most cases did not pull your credit report, the pre-qualification letter will be chock full of disclaimers. The pre-qualification statement will be subject to: - a formal mortgage application - verification of employment - verification of assets - overview of debts - credit rating and score - additional underwriting guidelines

of the property so they can be sure they are not lending you more money than the house is worth. Additionally, if there is a significant amount of time between your pre-approval and when you find your home, the lender will want to make sure there are no changes in your employment status, financial situation, or credit worthiness. When you are ready to close on the loan, the lender will re-verify your information. Your mortgage loan will be fully approved when the appraisal is complete, the title search is done, your information is re-verified and a credit-check is re-run.

Upon approval you will receive a formal pre-approval letter. This will be a written commitment from your lender which your sellers will be thrilled to see. Be aware however, it is not free of conditions, yet. When the lender pre-approved you, it was only for the amount of money which you can afford for the purchase of your home. Remember, you have not yet found that home. When you do, the lender will insist on an appraisal

Author Elizabeth Dennis is an editor and writer for Newbuyer.com. NewBuyer selects and reviews auto and home buying resources to help buyers make confident, well-informed purchasing decisions. Newbuyer has recently launched its own collection of original home buying articles. (EzineArticles.com)

Home Mortgage Seminar Wednesday, February 17th @ 7 p.m. Are you interested in learning more about your mortgage options? Fixed Rate, Adjustable Rate, State Agency Homebuyer Programs, Refinance Options, Mortgage Rates. This free, seminar is the ideal opportunity to learn about mortgage financing possibilities, eligibility requirements, and ask your own questions. Everyone is welcome! Brokers send your agents, Agents bring your buyers. Buyers educate yourself and make informed choices! February

FREE! No Obligation!

In-Depth Homebuyers Seminar Buyers & Realtors Welcome

■

February 17th at 7pm, 10 Main St in Whitesboro Call Homestead Financial at 315-768-1980 to reserve your seat.

Financial Services, Inc.

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

Licensed Mortgage Banker • NYS Banking Department

www.Life and Homes .com

L i f e and H o m e s

Pre-Approved A mortgage pre-approval takes the pre-qualification process a few steps further. A pre-approval will impress a seller and will give you even more confidence regarding your home buying budget. And as a bonus, getting financing out of the way will let you focus on picking the right home in the right neighborhood (the fun part of home buying). A pre-approval requires a formal application process. Be prepared to provide: - pay stubs for last 30 days - two years tax returns and W-2’s or business tax returns - proof of other income

- proof of other assets (stocks, pension funds) - three months of bank records for all accounts - source of your down payment - contact information for employers for the last 2 years - contact information for landlords for the last 2 years - current debt information: account numbers, payment amounts, balances, etc.

buyer'sCorner

Selling Buying Your Home?

A Home?

• You don’t have to let the bank foreclose on your home! • You don’t have to let them ruin your credit! • You don’t have to suffer one more day with the stress of how to fix the situation.

Get Answers and an

If the bank turned you down and you’ve all but given up your dream of home ownership, I would like to help. Imagine yourself in this home and call today! See if our unique strategy can get you qualified for home ownership when others say no!

Call Your Specialist Today! 315.761.7277 or 315.264.9235

Action Plan! w

Pre-foreclosure Service

Central New York Investors Association Meeting

Attention Investors: Receive Weekly Foreclosure List

Tuesday, January 19th, 6-8 p.m. All Phaze Building - Homestead Office 10 Main Street / Suite 20 2nd Floor Front Entrance Whitesboro, NY $10 fee for public and non-active members Contact Jerry at 315-264-9235 or jerry@cnyia. org for additional information

L i f e and H o m e s

■

Central New York

Only $38 per month membership (no longterm contracts - cancel at anytime)

Call (315) 865-5845 or Email david@dslisi.com Street Name Loquer Street Roberts Road Bristol Road Susquehannah Street Elm Street Watson Place Eastwood Ave Slusser Ave Oxford Road 28

City/Town Rome Clinton Kirkland Remsen Utica Utica Utica New Hartford New Hartford

Amount of Mortgage $47,700 $193,743 $99,666 $95,665 $44,500 $49,939 $86,150 $94,500 $92,000

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 .

Mortgage Start Date 08/06/07 05/04/05 06/24/05 03/21/06 12/07/04 02/26/03 01/23/08 09/22/06 06/19/02

Abstract & Titles Services

Serving Oneida County with Quality, Price and Fast Turn Times. Sean Hagarty Utica Systems Inc 315.601.1403 uticasystems@gmail.com

Expert Tips From Local Professionals

Get Ready for Spring with Indoor Remodeling Projects By Kathryn Reilly

Attention homeowners! It’s now February and the worst of winter is behind us. Spring is coming and it’s a prime time to jump-start your home improvement to do list. By getting started now you can get momentum to accomplish all your home improvement tasks. There’s snow on the ground and frost in the air but plenty you can do inside the warm house. High on many homeowners to do lists are upgrades to the kitchen. In the kitchen you may want to finally fix that leaky faucet or tear down the faded wallpaper. Get some new cabinets, refinish the old ones or add some accessories like new hardware or no-slam doorstops. One way to update the look of the entire kitchen without doing much physical labor is to invest in some new appliances. Not only will these save you money but add a little extra gleam as well. The bathroom, considered by many as the most important room in the home, is a great room to update in winter. A quick and easy way to remodel this room is by hiring a professional contractor to install an acrylic bathliner system. During an acrylic bathliner renovation a trained technician will install a new tub and wall system over your old existing bathtub and walls without disturbing plumbing, flooring or walls. The result is a low-cost innovation without the mess and a new bathroom in as little as two days. Acrylic bathliner systems also give you the option to convert your tub into a shower

and add accessibility accessories like folding shower seats and grab bars. Checking to be sure that your home is as energy efficient as possible is a great project for winter months. Become aware of existing problems such as condensation and uncomfortable or drafty rooms. Take care of your heating systems by wrapping your hot water heater in an insulating jacket and scheduling a tune-up for your heat pump, furnace or boiler. Install ceiling fans (and use them in winter!) as they will circulate air and promote heating efficiency. Perhaps the most effective step you can take is to get an energy audit to address efficiency problems. This audit is an inspection and analysis of energy flow that evaluates relationships between the various systems in the home. If properly addressed the results will lead to improved air quality, more stable temperatures and decreased energy bills.

My family business, New York Sash of Whitesboro, are experts in the handyman and home improvements and can help you with your home remodeling projects. Visit HYPERLINK “http://www.newyorksash.com” www.newyorksash.com or call (315) 624-7344 for more information. Kathryn Reilly is a Production and Marketing Assistant for the television show CNY’s Open House. Contact her at kreilly@newyorksash.com.

Color-coded keys make opening locks a breeze. Just put a dab of the same color paint or the same color adhesive dots on corresponding keys and locks. At a glance, you will be able to find the one you are looking for, no matter how many keys you have on your ring

You can also get ready for spring with smaller but necessary home maintenance that often gets overlooked. Upgrade your light fixtures with new LED efficient bulbs. Check your chimney and smoke alarms and test the batteries. Take a look at your gutters and downspouts to determine if any updates are needed before the snow starts melting and they are put to full use. No matter what you choose, there’s plenty to do inside the home to keep you busy. Before you know it, spring will be here and the real work will begin!

February ■

www.Life and Homes .com

L i f e and H o m e s

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 .

It doesn’t get any better

Visit or Call 315-865-7418 • lms1960.globalmobile1.com

February ■

www.Life and Homes .com

L i f e and H o m e s

Laura Minard

Licensed Real Estate Salesperson

Twin Home Prices from $189,900

Under Construction

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

Video Tour

www.lifeandhomes.com QSN #34001

Under Construction

L i f e and H o m e s

â&#x2013;

Central New York

North Utica

New Hartford

North North Utica Utica

Westmoreland

QSN#33997

QSN#33998

QSN#33999

QSN#34000

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.

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

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

4 bedroom, 2 bath ranch with spray foam installation, hardwood flooring, granite countertops.

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105 Main Street Whitesboro, NY 32

315.736.0865

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 .

315.736.0865