LifeandHomes Central NY May 2024

Is It The Right Time To Buy?

Here we are. Back in what is typically the prime season for buying and selling, The residential real estate market remains competitive and fast-moving. If you're planning to throw your hat in the ring as a buyer, now more than ever you'll need to be informed and prepared - especially in the area of finances.

Owning a home is exciting and likely one of the biggest financial decisions you'll make and it is much more than simply trading a rent payment for a mortgage payment.

Extra costs of owning property vs. renting include insurance, taxes, and, depending on where you're buying, association or condo fees. You also have repair costs and upkeep, and may find you want to make improvements and upgrades.

A bigger space may require new furnishings or appliances. There are things you pay for as a homeowner that may have been included in your rent previously, such as water, trash pickup, and other utilities. The costs add up so knowing how much you can realistically spend on the downpayment and purchase while budgeting for new expenses is crucial.

Homeownership can be rewarding and a good way to build wealth.

To take some pressure off of yourself, keep in mind you don’t have to make a final decision whether now is the right time for you to buy. Consumer Finance experts advise, "At each step of the process, you make a tentative decision based on the information you have available to keep moving forward, wait for a better time, or stop. As you get more precise information about home prices and loan costs, you can continue to reevaluate whether the value you get from buying is worth the price you have to pay."

Before You Buy That New Appliance

When getting ready to buy a new refrigerator, dryer, stove, or washing machine, it’s really helpful to hear from someone who knows these machines inside and out. Salespeople will give you one perspective, but a technician will give you a brand new angle to look at the purchasing process.

The following tips will assist you in keeping When getting ready to buy a new refrigerator, dryer, stove, or washing machine, it’s really helpful to hear from someone who knows these machines inside and out. Salespeople will give you one perspective, but a technician will give you a brand new angle to look at the purchasing process.

Appliance Tech recently released a guide to purchasing a new home appliance from a unique perspective. It's a buyer's checklist that is completely from a professional technician's point of view. If you are in the market to buy a new kitchen or laundry appliance, before you rush to make a purchase, read the Appliance Tech checklist and guide to purchasing a new appliance. (appliancebtechclemsonsc.com/ guide-to-buying-a-new-appliance/)

Through their new appliance purchase guide, Appliance Tech takes you through a two-part checklist that comes from a technical, and common sense perspective. It's aimed at budget-conscious buyers, to help with making every dollar count. However, it can help consumers in every circumstance make a smarter purchasing decision on a new appliance.

This guide covers many things that a salesperson wouldn’t think to tell you, or even have the knowledge to tell you. It's a different perspective coming from a technician who has no appliance to sell you. It's designed to help you make a more informed major appliance purchase, from the viewpoint of a technician with many years of service and repair in the

field. The article begins with the basics first, then proceeds going through the subjects of warranties, repairs, service, and how to save money- they cover all the bases. It is a mustread before purchasing any new appliance for your home.

Appliance Tech in Clemson, S.C. has been providing appliance repair services in Upstate South Carolina communities for over 10 years. To learn more, visit them online at www.appliancetechclemsonsc.com. (PR.com)

Smart Water-Saving Tips & Constant Protection

An estimated 12 percent of the water that supplies U.S. houses is wasted on leaks, spilling more than 775 billion gallons of water each year. Here are some practical steps you can take toward fighting the resource waste and financial burden of plumbing leaks.

•Review the water bill:

A family of four will typically use 12,000 gallons per month. Usage in excess of this amount indicates a likely leak. But keep in mind that water meters can’t detect small leaks, so even a normal water bill may not reveal a problem.

•Inspect toilets:

Warn-out flappers are a primary water waster. Listen for toilets that refill between flushes. Find slow leaks by dropping food coloring in tanks; if the bowl takes color without a flush, there’s a leak.

•Check interior faucets:

Drips from sink and tub faucets, and showerheads are easy to spot, but often ignored. Repair or replace worn parts to curb water-wasting drips.

•Look outside:

Outside hose or irrigation system leaks are often

unnoticed. Check for drips and moist ground during dry weather to find preventable leaks.

•Get smart water control:

A smart water valve, like those offered by FloLogic, detects leaks beginning as small at a half-ounce of water per minute, automatically shuts them off and sends an instant alert providing vital information that you can easily forward information to a plumber, caretaker or emergency contact. With the tap of a smartphone, you can turn your water off and on, change the System mode, adjust the settings and more—whether you’re home or thousands of miles away.

While the primary function is to prevent property damage, it has the added benefit of flagging hidden leaks to save natural resources, reduce water bills and qualify many homeowners for insurance discounts. (FloLogic.com)

Preventing Window Falls

Every year, thousands of young children are killed or injured in falls from windows.

To help prevent these tragedies, take the following actions - especially for windows in bedrooms. Safeguard your windows with window guards or window stops.

•Install window guards to prevent children from falling out of windows. (For windows on the 6th floor and below, install window guards that adults and older children can open easily in case of fire.)

•Install window stops so that windows open no more than 4 inches.

•Never depend on screens to keep children from falling out of windows.

•Whenever possible, open windows from the top -- not the bottom.

•Keep furniture away from windows, to discourage children from climbing near windows. (cpsc.gov)

two-family home- 1st oor features a spacious one BR unit with LR, DR, kitchen and bath, Upstairs is a 2 BR unit with Kitchen, DR, LR and bath. Separate Utilities. UNDER CONTRACT WITHIN 48 HRS. MOHAWK

ILION $158,500

Well maintained home with spacious kitchen, open dining area and living room, 3 bedrooms, 1 ½ baths, garage all on an over ½ acre lot. JUST DAYS ON MARKET- WE GET IT DONE FOR YOU

village home with 3 bedrooms, 1 ½ baths, large living room, dining room and kitchen. Detached garage, heated workshop and more.

US TO LIST YOUR HOME!!

NORWAY

$39,000

Country home on 0.4 acre lot. Re-hab project with 4 bedrooms, bath, living room, eat-in kitchen, o ce and more. Has vinyl siding, metal roof on half and some new windows.

living room, family room, 3 upstairs bedrooms and a beautiful home o ce. 2 car attached garage and IG pool top it o .

MUTIPLE OFFERS- PENDING IN JUST DAYS!!

HERKIMER $113,900 Classic 4 bedroom village home with beautiful natural woodwork, hardwood oors, garage, private yard and patio. UNDER CONTRACT IN JUST DAYS- PUT US

1ST ROME REALTY

Make an

COMMERCIAL COMMERCIAL

continue making money. Great customer satisfaction always here. MlS# S1519946

Location! Location! Location! Showcasing three PRIME PROPERTIES for one awesome price. Located directly across from McDonalds restaurant and in-between Dunkin Donuts and Pizza Hut! All three properties combined

Erie Blvd W., Rome

Erie Blvd W., Rome

Erie Blvd W., Rome

appointment today to see this tastefully updated cape cod home. Hardwood floors have been beautifully restored, and kitchen updated. Three bedrooms, living room, kitchen/dining combo, central air, inviting backyard, one stall garage. $169,000 • MLS#S1531179

208 Prospect Street, Rome

Beautiful colonial home with four bedrooms and 1.5 Baths. Home has been updated, but the charm remains. Lovely kitchen, spacious dining room, living room with fireplace, gracious entry hall. Outside find a welcoming porch sitting area and two-stall garage. MLS1481251

601 East Garden Street, Rome

1.04 Acres, excellent corner location in a high traffic area with stop light installed at intersection. $395,000

0 Erie Boulevard, Rome

1,800 sq. ft, single story. 30 parking spaces, asphalt roof, electric heat, vinyl flooring. $295,000

6188 St Rt 5, Little Falls

500 N. James, Rome NY

Clinton | $419,000

Sawyer Road - Custom 3 bdrm 2 bath home. LR w/ replace, DR, eat-in kitchen w/new appliances. 1st r bdrm & laundry. Updated roof, windows, garage door & more.

Jodie M. DeCosty** 315-723-8554

| $199,000

Utica | $299,900

Douglas Crescent - South Utica Colonial w/4 bdrms & 1.5 baths, updated kitchen w/SS appliances, hdwd oors, replace, formal DR & ample storage. Convenient location.

G Mellace* 315-725-9186 Utica | $449,900

Emerald Hill Drive - Well-maintained 3 bdrms, 2 bath home in popular neighborhood. Features double sided replace, formal LR & DR, lg eat-in kitchen & private back yard.

KNOXBORO

$189,900

2465 Sayer Huth Rd., - Tastefully renovated, with a unique and functional floor plan. 4 bedrooms, 1.5 baths, 1st floor laundry and a 19x7 bonus room. Madison Schools.

MLS#S1530574

1924 Sunset Ave. - Conveniently located 4 bed,1.5

MLS#S1501219

Land

Westernville $85,000 River Road - 5.44 acres. Minutes from Delta Lake.

MLS# S1494414

Rome $28,000

Humaston Rd - 3 acre parcel. Partial dirt driveway.

MLS#S1499273

WEST WINFIELD

$240,000

476 Pritchard Rd. - 32.98 acres bordering 77 acres of State Land! Hunters paradise! Plus a charming 3BR, 2BA ranch, circa 2001. Mt. Markham schools. This property has limitless potential! . MLS#S1513525

`

ROME $79,900

6851 Stanwix Ave - Oriskany Schools, High Traffic area on Rte 69. 1224 sf, ranch style property w/many options! Office space, Business or make it your Home. Previously a Hair Salon, owner began turning it into a “Single Family Residence” for you to Finish into whatever you want. MLS#S1518675

Building Lot

ONEIDA $55,000

Steuben Pl., - 11.3 acres in Oneida Castle! With 110’ of frontage on Steuben Place, this is the perfect building pad for your new home on a quaint little street. There are 2 parcels, Steuben Place is 3.4acres, adjoined by the other 7.9acre parcel, both running parallel with Rt. 5. There is some designated wetland in the back portion of the property. The depth is about 1,900’ from the road. MLS#S1529839

WESTERNVILLE $85,000

Rome $28,000 Humaston Rd- Private Parcel for home or hunting

MLS#S1499281

Westmoreland $54,999 Rt 233 - .6 acres. B1

Commercial, build w/ rd. frontage.

MLS# S1496469

Whitestown $21,500 Clark Mills Rd. - 100 x 313 cleared lot.

MLS# #S1406668

Westmoreland $49,000

Humphrey Rd. - 4.60 acres. NYS Thruway visibility.

River Road - 5.44 acres along the beautiful Mohawk River and just minutes from Delta Lake. There are 3 storage barns on the property, 2 metal pole barns in great shape and an older wood barn. MLS# S1494414

Cold Brook $21,000 Route 8 - .37 acres.

Approved for storage, building, eqip. barn.

bath 2 story home in South Utica.Large principle rooms, refinished hardwood floors and freshly painted interior. Corner lot with ample parking and much more.

5111 Jenkins Rd - 2500 sf Cape Cod in Westmoreland, 3BR,

New Office Email: hometownteam@rawilkesrealestate.com New Office

www.realtor.com

$199,900

249,000

Osceola $199,900 1216 Milk Road - Well-built nearly new, year-round cottage on a roomy 5 acre wooded lot. Mini split heating & air conditioning, full dry basement, hickory kitchen w/ all appliances, gravel drive,

Camden

2487 State Route 69 - Spacious double home offers 4 bedrooms & 2 ½ baths. Det. 3 car garage, 2 bedroom rental cottage on a ¾ acre surveyed lot. MLS#S1511594

Osceola $

Driscoll Road- Adirondack 1 ½ Story Lodge on

Acres! Trout pond, adjacent to NYS forever wild state land & right on the C4J groomed snowmobile trail.

Bruce Graham

Estate LLC

2499 KAMM ROAD, OTISCO • $450,000

7 Bedrooms | 2 Full Baths | 3,448 sq. ft.

One of Otisco’s original farmhouses. The house is currently con gured as a two-family with the back addition being the second dwelling. With solid bones and foundation, this property deserves to be restored to the next lucky owner’s vision. Additional acreage is available as a separate land listing. Taxes are computed with no agricultural exemptions, and for the total 83+ acres. Call today for complete listing details.

BULL HILL ROAD, LAFAYETTE • $1,200,000

120 Acres Prime Farm Land

Large tract of prime tillable farm land. Views of Syracuse and beyond. Frontage on Bull Hill and Lafayette Road. Residence on corner of Bull Hill and Lafayette Road is not included in the sale.

KINYON ROAD, OTISCO • $400,000

73+ Acres With Outstanding Views

Large tract of wooded land. Hill top location with outstanding views to the North. Driveway on Kinyon Road goes back to a clearing in the wood lot. Cabin does not convey. Lot is part of larger tract included with residence 2499 Kamm Road. Lot to be subdivided. Taxes stated with out agricultural exemption, and the entire 83+ acres and residence.

For Lease: 8372-8378 Seneca Turnpike, New Hartford 2,600 ± SF retail or office space located in close proximity to major retail corridor. Key tenants include New Hartford Eye Associates, Empire Hearing and Audiology.

For Lease: 5-19 Commons Drive, Cooperstown Former Family Dollar space available 1/1/2024. Cotenancy with Grand Union, Bassett Healthcare, NBT Bank, J&J Liquor, Short Cuts and Jive Café.

For Lease: 8421 Seneca Turnpike, New Hartford

5,749 ± SF available. Crossroads Plaza is situated at the crossroads of Middle Settlement Road and Seneca Turnpike with close proximity to Commercial Drive.

to suit. On-site parking.

For Sale or Lease: 9827 River Road, Utica

The former Chickenlicious was renovated in 2021 & fully equipped. Drive thru window & ample parking. Minutes from SUNY Polytechnic Institute & NYS Thruway.

Calling all Contractors and Investors! This historic Greek-Style home nestled in a fantastic neighborhood boasts 5 bedrooms and 3 bathrooms, located within Oriskany School District. Currently a shell without power, all walls are intact. The potential is endless!

2-unit

736.1555

For

1,500, 1,900 & 7,050 End Cap ± SF Available. Great North Utica location. End-cap visibility from NYS Thruway Exit 31 with 107,000 ± AADT.

For Sale:

For Lease: 1208 Main Street, Sylvan Beach

The former Beachside restaurant is immediately available to lease, it comes fully equipped plus a newly remodeled bar and dining room.

For Sale or Lease: 137

This Old Style, 2-story home features original hardwood floors in your large dining and living room. Second floor you will find 2 possibly 3 cozy bedrooms with a large primary featuring beautiful built in cabinets. Workshop space with the large shed outside.

Carole Iseneker, Lic. Real Estate Salesperson

Laurence J. Socia, Lic. Real Estate Assoc. Broker

For Sale: 2514 Oneida Street Utica – BUSINESS ONLY Ridgewood Market & located in a busy retail plaza available for sale. Business is equipped and operating. Co- tenancy with Maria’s Pasta Shop, Vanity Hair Salon.

For Sale: 1116 Freedom Drive, Oneida

10,560 ± SF flex warehouse building within the Oneida Business Park available for sale. Equipped with one 12’ dock-level door and one 12’ drive-in door. 16’-18 ceilings.

Stanislaus St., New York Mills ~Multi-Unit~

Welcome to this well-maintained 2-family home, perfect for investors or owner-occupants. The property boasts two separate units, each with its own entrance. One 3-bedroom and one 1-bedroom apartments. Walk-out basement with potential for a 3 rd unit

Location, location, location! Village rental available for immediate occupancy. 2 plus bedrooms, living room, kitchen, deck. Walking distance to the Village Green.

Dominic Pavia President Lic. Real Estate Broker

Sabrina Arcuri

Rosemary Talarico

For Sale: 104 Lenox Avenue, Oneida Building offers 8,200 ± of retail/showroom space, 245 ± SF of office & 8,000 ± SF of warehouse space. 2 overhead ground level doors. For

Mary Street, Frankfort

located within the Frankfort Business Park. Co-tenancy with Forever Meadow

5S.

Aileen Baile Lic. R.E. Salesperson Luke Toukatly

Salesperson

Santina “Tina” Pavia Lic. Real Estate Broker

For Sale: 1707 Oriskany Street, Utica Multi-tenant investment opportunity anchored by the Fitness Mill with an additional pad site for upside. Located on highly visible and highly travelled Oriskany St.

For Lease: 6 Rhoads Drive, Utica

2,300-43,000 ± SF Medical/office/flex space located in Utica Business Park. Landlord will sub divide and build

2761 State Route 28, Old Forge 19th Green Motel is located within the Village of Old Forge, NY, and consists of a 13-unit motel with an additional 3-bedroom apartment, laundry facility.

Lease: 350 Leland Ave. N. Utica

For Sale: 1692 Bennett St & 1675 Hager St, Utica

The historic Finger Bullet offers a full bar & fully equipped with. On- site parking and located adjacent to Faxton Hospital and Donovan Stadium at Murnane Field.

Genesee Street, Oneida

Located on a busy retail corridor is the Choice Car Wash. Available immediately, recently had equipment updates and fully operational.broker for P&L.

Samantha Madderom Lic. R.E. Salesperson

Valley Road, Oriskany

2425 Main St., Clayville

103 Hampton Road, Frankfort

26-30

6

19 Williams St. Clinton ~RENTAL~

Amber Platt

120 Pleasant St. , Frankfort ~Multi-Family~ This

Brutsky

Courtney Saxton Lic.

5 Bedroom 3.5 Bathroom with in-ground pool home located within the Frankfort Schuyler School District with close proximity to E. Utica. This home is everything you could ask for!

6 Genesee Court • Unit #6, Utica, NY

This 1914 condominium/townhouse boasts a stunning gated courtyard with a central fountain, surrounded by lush perennial plants and flowers. Each unit features charming awnings over open front porches, adding to the character of the cobblestone courtyard.

Assigned parking spaces are available at a low cost, making convenience a priority. Discover this shared secret that offers a peaceful retreat from the bustling city.

$149,900

This remodeled unit features a new kitchen with granite countertops and beautiful appliances, seamlessly opening to the dining room. With 1260 sq. ft. of living space, including three bedrooms and a stunning lower level family room with a cozy fireplace, every corner is utilized efficiently.

Don’t miss out on this unique opportunity to own a piece of history in a truly special location! MLS#S1529890

SAlber7740@aol.com

(315)723-0892

Front

Award-winning New Hartford School District! Quiet re nement and gracious living form a perfect marriage in this architect-designed 1936 Verne Swan brick and cedar home nestled on nearly 2 acres, a ording discrete and stunningly landscaped grounds overlooking the Mohawk Valley in Fredrick Olmstead’s premier area enclave. Welcomed by a large circular drive, the magical entry sets the tone for the comfortable, charming elegance found in this 4200 square foot, 4 bedroom, 4 bath light- lled space.

There are surprises at every turn; an expansive replaced living room, intimate wood-paneled replaced library/music room, oversized dining

room, and a primary en suite with tons of closet space and built-ins. You’ll nd ample attractive and classic baths, a cedar sauna, and a chef’s kitchen too, with a beautiful breakfast area including radiant in- oor heat and luminous original Rochester Oak hardwood oors throughout most of the home.

Every angle presents a view; a quiet garden patio, a terrace for watching nature, amenities that will not disappoint, plenty of storage, parking, and excellent mechanicals.

Real Estate Rebate Program Honors Local Heroes

BY RICHARD BARRETT Aug. 2018

Amodio Realty Inc., located in the Town of Lee, wanted to show its appreciation to the military, law enforcement, firefighters, first responders, health care professionals, and teachers for their service to country and community, but wanted to do it in a way that went beyond mere words.

So the small family real estate agency, staffed by Stephen Amodio (Broker/Owner), his wife Betsy (President/Owner), and their daughter, Lucciana, decided to do something extraordinary with their business after learning about Heroes Home Advantage and a courageous woman named Michele Ladd, its founder.

Stephen Amodio, a former Marine whose own family includes many community heroes, heard about Ladd’s noble mission of honoring hometown heroes by offering discounts and rebates on real estate services, and he wanted to get on board. He did his due diligence first, spending nine months researching and speaking with other realtors nationwide who were already participating.

Amodio Realty, Inc. joined the Heroes Home Advantage program in January of 2017 and is currently working with about a half dozen heroes. He has closed on several properties already, but explained that it’s not about being pressured to obtain listings, move properties and meet sales quotas. It’s about giving back. He discovered through census tract records that in the tri-county area he exclusively serves, these categories of community heroes when combined comprise 50% of their total population.

As of Januray 2024, Amodio Realty, Inc. now serves 8 counties: Oneida, Herkimer, Madison, Jefferson, Lewis, Oswego, St. Lawrence and Hamilton!

“We can never repay our heroes for their service, but we can honor them with a small token of our appreciation,” Amodio said. “We are looking for opportunities to honor local community heroes. That is our goal.”

Amodio Realty gives 25% of earned commission directly to the hero, (up to $5000 per transaction), when we close on the sale and/or purchase of their residential or commercial property.

“It’s a small gesture in comparison to the their daily sacrifices and service to our community and country,” he said.

He also works closely with a comprehensive, likeminded network of community partners who offer additional rebates and discounts on their related products and services. The savings to heroes when

all is said and done can be thousands of dollars. As word of mouth about the program spreads, Amodio envisions adding a half-dozen sales staff and expanding his cadre of committed community business partners even further. He graciously welcomes those who respect the program’s mission and embrace its spirit of honoring community heroes for their contributions.

“We’re hungry for more hero partners,” he said. “The door is wide open to virtually any business, but we discourage people from using the program to leverage their business and not follow through on their promises.” There are no fees involved, no catches, and no restrictions on how Amodio’s rebate can be used. The program is open to all qualified active, retired and volunteer heroes, both buyers and sellers, including first-time home buyers.

Amodio can’t hide his enthusiasm for the program and the people it serves.

“We’re enjoying doing this,” he admitted. “We always get a great reception.”

Heroes Home Advantage has representation in 40 states. For more information, visit AmodioRealty.com or HeroesHomeAdvantage.com

Article written by Richard Barrett

Editor, Accent Magazine Reprinted and edited with permission Special Thanks to Jason Gulla with Gulla Graphics

Experience Country Living With Grand Views

1626 Burrell Road, Saint Johnsville

Bedroom |

This country ranch home, in very good condition, features a mudroom, 4 bedrooms, 3 bathrooms, and a dry finished basement for family enjoyment or an office. Cedar-lined closet 5x8. Ample space for the whole family and guests.

The home is wrapped on two sides by a huge covered porch for barbequing and entertaining with amazing valley views. The garage features 1, 344 sq. ft. of workspace including a workbench, LED lighting, 6-bay car storage with three overhead doors, and a whole house Generac generator system that runs the entire property during power outages.

Cell: 518-774-5105

Email: SuzzetteML@yahoo.com

33 acres of rolling farmland, meadows, and plenty of garden space. A creek meanders through the wooded area and offers large and small game hunting in your own back yard. The property has 3,600 ft. of road frontage.

Suzzette Logan Real Estate LLC

Amish-Made Custom Cabinets

Affordable

Luxury From Our Country Workshop To Your Kitchen

Love the look of custom cabinetry but disappointed with the options at local stores? Our Amish craftsmen offer quality, handcrafted cabinets at prices often lower than factorymade cabinets you’ll find at local big box stores.

Crafted in our family-owned workshop, each cabinet is custom-crafted with skill and expertise passed down through the generations.

From the initial design and layout discussions to the custom creation and installation phases, our expert craftsmen will

work with you to ensure your kitchen, bath, office or other specialty cabinet reflects your tastes, fits your budget, and exceeds your expectations.

With a variety of select wood types, cabinet styles, and finishes to choose from, each piece is designed to last a lifetime. Made to order, our cabinets not only promise superior quality but also showcase affordability at its finest.

Check out your options at the big box store then let us show you what we can offer!

you’re

Monday - Friday: 9 a.m. - 5:30 p.m. | Saturday: 9 a.m. - 1:00 p.m. (After hours and weekends by appointment)

the market for a new Dump, Utility, Cargo,

Landscaping, or Equipment Trailer in Central New York, Taylor’s Trailers LLC is here to hook you up!

Trailers & More Sheds & More

•Equipment Trailers

•Enclosed Cargo Trailers

•Dump Trailers

•Utility Trailers

•Utility, Boat and Kayak/Canoe Trailers

• Playhouses

• Chicken Coops

• Own Your Dream Shed

Stop in and take a look. We’ll help you find your dream shed.

Rediscover the joy of cycling Stop by and check out our selection. We stock over a dozen bikes and they come with FREE assembly and $100 OFF Manufacturers List Price.

Two Sisters Events

EVENT PLANNING, CONSULTING & DECORATING WITH LIZ AND BRIDGET

GRADUATIONS

BIRTHDAY PARTIES

BABY & BRIDAL SHOWERS

HOLIDAY PARTIES

CURATING

Our love for meaningful details and decor helps create the kind of memorable event hosts and guests remember and cherish for years. We’ll help you plan the event of your dreams and then execute the details, leaving you free to enjoy your guests.

(607) 434 -3732

Creative Commercial Financing

COMPANY EVENTS

ANNIVERSARY PARTIES

THEMED CONFERENCES

RETIREMENT PARTIES

Contact us to learn about high LTV (up to 100%) nancing for commercial purchase and re nance projects.

• Programs for the purchase or re nance of real estate.

• Programs for purchase of businesses with or without real estate.

• Working capital can be added to the loan for improvements, building etc.

• Each project is di erent so call us to see what we can structure for you.

There are three ways a business can qualify for 100% financing when the business owner occupies 51% of the subject property:

Contact Us Today: Monday- Friday 9 a.m.- 5 p.m.

David Lisi, Consultant Call or Text Cell (315) 269-8469

This waterfront home, tucked away on over 2 acres of privacy with trees and ferns, features 220’ of lakefront. This lovingly maintained log cabin with exposed beams is a 2-bedroom, 1 bath house on a year-round maintained road.

The kitchen has solid Cherry countertops and stainless steel appliances. Enjoy the 1st floor dining room, living room with wood stove, and main bedroom. Upstairs you’ll find a 2nd bedroom in the loft area.

The full basement with washer and dryer included has a egress access via Bilco doors to the outside. There are 3 convenient

heat sources - woodstove, electric baseboard & a forced air propane system, electric and propane hot water, a water softener, and whole house water filtration.

You’ll find plenty of room for your toys in the detached, 2-stall garage with heat, air conditioning, and enclosed storage for up to 4 snowmobiles. Also included is a spacious 10’x16’ storage shed with an attached woodshed with electricity.

Appliances stay. Private association plows the road and driveway. Road maintenance fees apply. This waterfront retreat is Shown By Appointment Only!

O:(315) 831-8778 C:(315) 525-1080

Waterfront Family Compound Located on Hinckley Reservoir!

BEING OFFERED FOR SALE for the first time in almost a hundred years is this beautiful WATER FRONT FAMILY COMPOUND LOCATED ON HINCKLEY RESERVOIR.

160 NYS 365, Remsen • $679,900

Approx.150 ft of road frontage and approx. 900 ft deep with over 3 acres. Only 30 miles North of Utica - within the Adirondack Park. This property contains 3 camps. Camp 1: The Big Camp that sleeps over 15, 4 bedrooms 2 and a half baths, a large family room with a vaulted ceiling exposing pole timbers for rafters and a big, beautiful field stone fireplace. Camp 2 : A second story camp with a field stone fireplace, 3 beds, one full bath, eat in kitchen with a granite top bar, appliances with stove and refrigerator. Camp 3: This camp also has 3 beds, 1 bath, full kitchen open to living room. Tongue and Groove Pine throughout. Beautiful water access featuring a short staircase to get down to the docks where you can keep your boat tied up. Must See! Please call for an appointment.

Secluded Waterfront Wilderness Retreat Awaits You!

Rt 19, Plainfield • $149,900 • 60 +/- Acres

Embrace the tranquility of nature on approximately 60 acres of pristine land in the picturesque Otsego County, Town of Plainfield. This is an extraordinary opportunity to own your very own slice of paradise. Tucked away at the end of a dead-end road, this property offers unparalleled privacy. With a mix of wooded areas and open fields, this old farm ground boasts a diverse landscape, ideal for outdoor enthusiasts and nature lovers alike. Enjoy stunning views of the surrounding hills from the central open area, elevated at 1500 feet, before gently sloping down to the tranquil stream bed. Abundant signs of deer and turkeys make this land a haven for wildlife enthusiasts and hunters. A meandering stream flows around the entire back of the property.

Camp in the Town of Forestport on the Black River!

Bellingertown Rd, Forestport • $134,900 • 6.10 Acres

Located on the edge of the Adirondack Park in a private gated area, this property offers a unique opportunity to own a piece of tranquility. Beautiful 200’ frontage along the Black River. It features a fairly new off-the-grid cabin, wired with solar panels and power inverter. The 12’x 30’cabin includes a screened-in porch and second floor, and is insulated and wired with a full bathroom. Does not have septic or water hookups. Kitchen is unfinished, but has plumbing and kerosene refrigerator. Needs flooring and walls finished and most materials are on-site for completing. 6 acres of land for privacy and exploration with a 12’x 14’ fairly new storage shed. Staircase leads to the serene Black River calm section where you can enjoy swimming, kayaking, and canoeing right from your doorstep.

Embrace Your Adirondack Oasis with Exclusive Hinckley Reservoir Access on 4 Acres!

643 NYS 365, Remsen • $499,000

Welcome to your slice of paradise in this stunning 4 bedroom, 3 1/2 bathroom 2,699 sq ft home. The house has a metal roof, vinyl siding with cedar wood accents. Enjoy beautifully raised perennial flower beds with soaker hoses, a 162’ driven well, and a 1,000-gallon concrete septic system. There is a pond featuring electric access. The cellar features Bilco steel doors, a backup generator, a propane stove, and a pantry unit, offering an ideal space for all your storage needs. The living room boasts a pine ceiling and a fieldstone fireplace, creating a warm and cozy atmosphere. Kitchen has Jenn Air electric range, large bay windows with ceramic floor, and a Nutone radio with an intercom system for convenience. Your en suite bedroom has a heat-re-circulating fireplace and a skylight.

7.30 Acres Off Grid Waterfront on Spruce Creek!

Rt 29, Lot 5, Salisbury Center • $75,000

Escape to your very own piece of nature’s masterpiece! This 7.2-acre waterfront property on Spruce Creek, located in the charming Town of Salisbury Center, offers a unique blend of tranquility and adventure. Here’s your chance to own a slice of heaven surrounded by stunning woodlands and fields. Enjoy the soothing sounds of Spruce Creek right at your doorstep. Reach your private retreat through a scenic 2-mile right of way, ensuring privacy and exclusivity. Embrace a sustainable lifestyle with this completely off-grid property. Imagine the freedom of crafting your own selfsustaining haven. Revel in the beauty of diverse woodlands and open fields, providing the perfect backdrop for your dream home or getaway retreat. Design and build your dream home or cabin.

2 Bedroom House on 10 Acres with two Barns and Lake Rights!

111 Black Cherry Lane, Cold Brook • $349,900

An equestrian’s dream. This two bedroom house with two barns is located on 10 acres with riding arenas and pastures for your horses to roam. On hot days take a dip in the above ground pool or head over to Hinckley Reservoir, which you’ll have access to on a private beach. The two level deck leading to the pool is perfect for entertaining. Enjoy preparing meals in the Eat-in Kitchen. Laundry is located in the Basement, which has extra high ceilings. Pellet stove and a propane furnace that is approximately 2 years old for heating. Whole house generator stays. Pool as is, needs new liner. Low yearly association fees. ATV and Snowmobile trails very close by. Located in the Poland Central School District.

East Stoner Lake!

Year round fun from this lake front 3 Bedroom Cabin! Lots of Adirondack charm on a quieter Adirondack lake!

2 PHOTOS STONE FRONT AND INTERIOR With open beams.

COMING SOON!

Lots of Updates make this Move in Ready! Town of Meco! Big Lot! Call for information!

NEW

COMING SOON!

West Caroga Lake Front! $425,000 Lake views abound from in this wonderful 3 Season lake house! Steps from the lake and short walk to summer concerts! 4 bedrooms, 1.5 bath. 1 Car garage. Nicely updated kitchen, laundry room, big open living room with fireplace. Fabulous wrap around porch for endless lake views and sunsets forever! Furnishings can be included! Call for details!

NEW

well. Septic w/ leach. Cleared and ready to build. CALL!

Bleecker!

72 Acres, Borders State land! BIG country farm house and Barn! 2Car garage, Pond, wooded forest land. Lots of room to expand the house!

East Caroga Lake Access!

Darling 3 Season get away! Walk to Deeded access Or apply to join the East Caroga Association Beach Club!

2 Photos of Front of brown camp and Lake front.

SALE PENDING

NEW Listing! $150,000- E. Caroga Lake Deeded Access “In the Avenues” 2 Lots, Very Private, Beautiful woodwork, open oor plan, 2BR/1BA.

Amy Abdoo

Lic. R. E. Broker 315-794-2653 BLON316@AOL.com

Dominion Homes Real Estate Brokerage

Pamela Allen Lic. R.E. Salesperson 315-717-7530 pfallen0314@gmail.com

Bruce Ward & Company, Inc.

Katie Babcock

Lic. R.E. Salesperson 315-269-3003 kbabcocksells@gmail.com

Miner Realty & Property Management

Sharon Baisley

Lic. R.E. Broker 315-429-9754 sbaisley@hbegroup.com

United Country Real Estate/ HBE Group Inc.

Karen Basile

Lic. R.E. Broker 315-351-6401

kbasile11@yahoo.com

Tree Light Realty

Chris Buck Luxury Apartment Complex (315) 617-3300 rentals@thedeltaapartments.com

The Delta Apartments

John “JACK” Carlin

Lic. R. E. Broker 315-429-3395

unitedcountry@hbegroup.com

United Country Real Estate/HBE Group Inc.

Clyde Diedrich

Lic. R.E. Broker 315-868-4339 rcentur3@twcny.rr.com

Diedrich Associates Valley Realty

David Drapalski

Lic. R.E. Assoc Broker 315-868-3233 superdd527@aol.com

Bruce Ward & Company, Inc.

Janet L. Giacovelli

Lic. R.E. Salesperson 315-404-7108 janetgiacovelli@howardhanna.com

Howard Hanna Utica/New Hartford

Azza Giorgi Lic. Assoc. RE Broker 315- 534-2709 azzagiorgi@gmail.com

Howard Hanna CNY IncUtica/New Hartford Office, NY

Christopher Greene

Lic. R. E. Salesperson 315-225-6037 cgreenesells@gmail.com Virkler Real Estate

Gina Hartman

Licensed R.E. Salesperson 315-717-5249 ginahartman55@yahoo.com

Bruce Ward & Co, Inc.

Ryan Hastings

Lic. R. E. Salesperson 315-219-3116

ryan@centralnewyork.com

Coldwell Banker Faith Properties

Patricia Kelly

Lic. R.E. Salesperson 315-717-2421

bward@brucewardusa.com

Bruce Ward & Company, Inc.

Thomas F. Koehler

Lic. R. E. Broker/Modular Home Dealer 315-891-3254

Koehler RE/ New Homes Modular

Joseph I. Krongold

Lic. Associate R. E. Broker CIREC, CBR, SRES, PSA, C2EX 518-867-1299

josephkrongold@howardhanna.com

Howard Hanna - Clifton Park

Kuyahoora Luxury Lodge & Resort

Lic. R.E. Broker 315-741-2202

guestservice@kuyahooraresort.com

Vacation Rentals

Elise LaGrange

Lic. R.E. Broker 315-369-5440

elise@adkhearthside.com

ADK Hearthside Realty

Robert Lawless

Lic. R.E. Broker (315) 724-7474

boblawlessrealestate@gmail.com

Lawless Real Estate

Fred Macchia

Lic. R. E. Broker 315-292-0373

fmccim@hotmail.com 1st Rome Realty

Bill Macri Lic. Associate R. E. Broker 315-360-1920 bill.joemacrirealty@gmail.com

Joe Macri Realty

John Macri Lic. R. E. Salesperson 315-866-2521

jmacri40@yahoo.com

Joe Macri Realty

Mike Miner Team NY Licensed R. E. Broker 315-271-5145

admin@miner-realty.com

Miner Realty & Property Management LLC

Donna Morris

Licensed R.E. Salesperson 315-534-3987

donnamorris@howardhanna.com

Howard Hanna CNY Inc. Utica/New Hartford Office

Monica Munford

Lic. R.E. Salesperson 315-822-6666

pmumford@twcny.rr.com

Bruce Ward & Company, Inc.

as

as $40 per member monthly

& Company, Inc.

Art Pratt GRI, Lic. R.E. Broker 315-366-3600

PrattRealty@ArtPratt.com

Pratt Realty

Matthew Pryputniewicz NY Licensed R.E. Salesperson/ Commercial Director 315-794-3305

mattrealty@msn.com

Berkshire Hathaway CNY Realty

Paul Sacco

Lic. RE Salesperson (315) 525-1377

paulsacco1013@gmail.com

Howard Hanna Utica/ New Hartford

Alex Sen NY Licensed R.E. Broker 315-725-7167 asensre@gmail.com

Senshine Real Estate LLC

Apartment Services

(315) 351-2988

Flat Fee Apartment Leasing Includes tenant application screening, apartment showings, rent & dep collection. Move-In/Move-Out Statement, plus* 90-Day Landlord/Tenant Support & Retention Guarantee. Call for Details. GreenPeaRealEstate.com

Antiques/Estates

315-736-5214

Estate & house sales, appraisals, coins, vintage jewelry, antiques, glass, china, furniture, Americana, art, lighting and more. thepottingshedantiques.com

Cabinets

CABINET AMERICA

315-733-6261

Kitchen cabinets and Stone countertops. Exceptional quality and great prices. Fast estimates. Over 50 years experience. By appointment only. cabinetamerica.net

Contracting. Handyman services, Plumbing, Electrical, Painting, Sheet Rocking, Estate Cleanouts. 30+ Years Experience. Low Rates & Fully Insured. Call Dean 315-985-5249.

Cleaning/Cleanout Service

JURY DUTY

Farm & Garden

BENSON'S FARM AND GARDEN

315-520-8395

located in Whitesboro, NY has been a family run greenhouse since 1977. We serve the Utica-Rome area offering a wide selection of annuals, vegetables, perennials, and hanging baskets as well as everything you need to build and maintain your pond.

SUPERIOR QUALITY HOME INSPECTIONS

315-794-1565

Home Inspections for Buyers & Sellers. Radon testing, septic system dye testing & well water flow/well water quality testing. Patrick Rightmier. NYS Lic 16000066870. www.sqhi1.com

315-868-8287 REAL ESTATE INSPECTIONS, LLC

Comprehensive Residential Inspections, Real Estate Inspections, Septic Dye Tests, Radon Testing , Water Flow Testing, Water quality testing. Al zennamo. www.alshomeinspections.com

Modular Homes

KD HOMES

315-841-8700

Member Since 11/13

Featuring Bill Lake Homes. A different kind of home built with pride & integrity by professionals. www. kdhomesny.com

Insurance

PROTECT NY INSURANCE AGENCY

315-795-4900

Homeowners, Automobile, Business, Landlord Insurance. Jordan Roorda, Principal Agent. www.ProtectNY.com

MLS

LIFEANDHOMES MLS

Serving the Oneida, Herkimer & Madison counties, we have a simplified and centralized database of area listings to help you promote your new listings and buyer needs to cooperating agents and brokers, plus off-market, solds and historic info.

Upstate Premier Mortgage opened its doors in August 2013, with the concept of providing exceptional customer service. NMLS # 556647

Painting

URBANIK’S PAINT CO.

315-724-5129

315-336-0400

Since 07/15

Largest selection of paint and wallcovering in Central NY. Rentals: floor sanders, polishers, airless sprayers, power washers, edgers. 1420 Oriskany St. Utica

Wells/Water Conditioning/Pumps

AMBER WATER PROS

315-484-5959

For over 53 years …We've helped customers with superior services, including well drilling, pump installation, water conditioning and more. Water Emergency? Call or Text us 24/7.