Life and Homes Central New York March 2010 by Stephen Lisi

Central NY

Life and

Homes

Free March

2010

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

Sleek Home Trends

Right Home Right Location

INSIDE

Home Loans

Guide to Local Listings Real Estate

Under Attack pg3 LISTINGS pg7

Mortgage

Local Business

CORNERpg28 DIRECTORY pg30

Spring Ahead

Life and

Homes

March is the month we “spring ahead”. At 2 a.m. on the second Sunday of every March, Congress says we’re supposed to set our clocks forward one hour ahead of standard time.

Oneida County NY, Edition Published By LifeandHomes, INC.

Not everyone embraces change, even when it’s mandated. Hawaii doesn’t follow Daylight Saving Time and neither do the territories of Puerto Rico, Virgin Island, Guam and American Samoa. Arizona and Indiana, on the other hand, straddle the fence. The Navajo Indian Reservation in Arizona DOES observe daylight savings time, the rest of Arizona doesn’t. The Eastern Time Zone section of Indiana doesn’t change their clocks but the rest of the state does.

Publication Franchise RMC D avid P. Lisi Corporate Editor Kim Lisi Kim@dslisi.com

Confused yet? Try figuring out what’s happening in real estate. Today’s news reported promising increases in new housing starts and existing home sales, followed by a story on massive job loss within the construction industry. So, exactly who is building the new houses? I read that a record number of homeowners have opted to invest in home improvement instead of selling. Try comparing that data to The National Association of Home Builder study reporting the remodeling market is continuing to deteriorate. Say what?

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

Based on what’s being reported, I’m not quite sure if the real estate market is springing ahead yet or not. To be honest, I’m not even sure I know exactly what time it is where you live. It’s a good bet, though, that warmer weather and the slow emergence of spring in the Northeast will bring an upswing in the housing marketing. We’re all rooting for it! LifeandHomes supports our community by showcasing local business services and featuring for sale listings from Realtors, Investors, For Sale By Owners, Contractors, Manufactured Home Builders, Developers, and Commercial Developers all in one convenient place. Browse through the property listings, articles and helpful resources, then visit www.LifeandHomes. com and use the easy search options to see even more for sale properties. Go ahead. Embrace the change.

i David P. Lis

Spring ahead

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Central New York

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Adam Hearty

L i f e and H o m e s

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315-404-5253 Mortgage Originator

Anthony Tefel

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

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

315-534-2524 Mortgage Originator

Roger Guerrieri 315-533-7160 Mortgage Originator

Matt Malagese 315-768-1980 x 204 Mortgage Originator

LoWEST

Rates in the Area!

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

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

Pending Legislation May Make Loans

More Expensive If you’re planning on--or just dreaming aboutbuying a house, it may pay to hurry up. Although interest rates are currently low, in the not-toodistant future the costs of financing a home may be so high many consumers simply will not be able to afford it. That could happen if a piece of legislation before the U.S. Senate comes to fruition, warn people familiar with the situation. The financial reform bill “Restoring American Financial Stability Act” includes something called a “risk-retention” provision. This would require all lenders to hold at least 10 percent of the “credit risk” for each loan they originate and ultimately sell off to investors. The idea is that this will prompt lenders to be more diligent in qualifying clients, as it forces them to have exposure to risk in the loans they write. It’s also believed to mean lenders will have to have 10 percent of cash on hand for each and every loan they write. “While I am sure our elected officials have good intentions, the unintended consequences of this legislation would be staggering,” said Scott Stern, chairman of the Community Mortgage Lenders of America, a national group dedicated to increasing competition and consumer choice in the mortgage industry. “In reality, what will happen is a mass closing of small community and regional lenders, who will simply not be able to carry the amount of cash required by the legislation. This is significant, as local lenders write nearly 40 percent of all mortgages.”

You can write your legislators to let them know that you oppose risk retention and limited choice at www.house.gov and www. senate.gov. (NAPSI)

Tame Your Tweets

You shred your mail, and protect your debit card, but did you know tweeting or posting information on FaceBook about your employment status, home foreclosures in your neighborhood, or other potentially sensitive information could impact your personal finances? SmartMoney.com is reporting that lenders are starting to look at social networking sites, especially FaceBook, Twitter, and Linkdin to get information about their customers.

Under New Law On February 22, 2010, Amanda’s Law went into effect throughout the State of New York, requiring that all residences have carbon monoxide alarms installed on every level of a home where there is an area utilized for sleeping. The new legislation was introduced after the tragic story of 16-year-old Amanda Hansen who died from carbon monoxide poisoning while at a sleepover at her friend’s house. Prior to Amanda’s Law, residential dwellings that were constructed or offered for sale after July 30, 2002, had to be updated with a carbon monoxide detector. Amanda’s law effectively removed the construction and sale provisions, and provided that all homes regardless of construction or sale date must be outfitted with a carbon monoxide detector. In addition, any two-family dwelling, dwelling accommodations located in a building owned as a condominium or cooperative in the State, or any multiple dwelling must have an operable carbon monoxide detector. Such structures include, but are not limited to, a tenement, flat house, apartment, duplex, hotel, nursery school, fraternity/sorority, school dormitory, nursing home, or convalescent home. Visit www.dos.state.ny.us/code/ COAlarm.htm for complete rules.

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L i f e and H o m e s

Here’s what you need to know: A company called RapLeaf.com is already providing lenders with data taken from customers’ FaceBook pages. It’s only a matter of time before more of these data scanning companies come on line. So far, RapLeaf insists it’s only providing data for targeted marketing campaigns and that the information is not used to make lending decisions. But it’s anybody’s guess when information you post or tweet starts to affect your credit score. Anything you post on the Internet is public information and there’s nothing illegal about lenders using it however they wish. Now, if a lender denies you a loan based on information taken from your FaceBook page, without disclosing the source, it could violate the Fair Credit Reporting Act. The bottom line is you have to be very careful about what you post or tweet. To their credit, RapLeaf.com does allow consumers to opt out of its database at www.rapleaf.com/ opt_out (Source: Crown.org)

Detectors Required

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Lenders warn the net result could be a smaller pool of lenders, with those who remain forced to charge significantly higher rates to cover the cost of risk retention.

Many lenders, and consumers, are watching this one very closely.

Carbon Monoxide

March

Consider this: If a small community lender writes $100 million in loans, after only five years it will be asked to hold as much as $50 million in cash reserves--impossible for most lenders.

“I have to wonder if the government is familiar with the lending process. Lenders already retain the risk on the loans they write. If they do not meet the investors’ guidelines, the lender must buy that loan back,” Stern said.

Foreclosures May Top 20 Million

Foreclosures are likely to top 20-million homes in the U.S. if government officials don’t take action to lessen the impact of the foreclosure crisis, according to a report by Housing Predictor. The real estate research firm was the first to forecast the foreclosure epidemic, triggering the worst economic turmoil since the Great Depression. In a recent Housing Predictor survey nearly 1 in 3 mortgage holders say they will walk away from their homes if housing prices continue to fall. The action would leave bankers on the hook for trillions of dollars in unpaid mortgages and send the U.S. economy into a worsening financial crisis, resulting in the highest number of renters in the housing market in decades. Consumers are saving more in light of the economic turmoil and home sales are improving in many especially hard hit areas of the country with the assistance of first time home buyers tax incentive. Foreclosures compose the majority of home and condo sales nationally. Nearly 6-million additional Option Arm adjustable rate mortgages will reset through 2010 and more than three-quarters will not be able to be refinanced under current mortgage guidelines. As a consequence, millions of more homes will go into foreclosure and provide a growing inventory of property at bargain prices. Housing Predictor forecasts local housing markets in all 50 states. Check your market forecast at http:// www.housingpredictor.com (RealEstateRama)

Avoid Common Central New York

Home Improvement

Scams

L i f e and H o m e s

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The Consumer Tool Kit to Home Improvement cautions consumers to be cautious of the following common scams: Driveway Sealant Scam: Deeply discounted driveway services may use inferior products that wear away with a few months or after a few rainfalls. Ask what type of material is used and the method of application then do some research. 4

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

newsShorts Chimney Repair: This scam often begins with a cheap offer for cleaning gutters. Once the gutter work is performed, the contractor claims the chimney is in need of repair and may even go so far as to remove bricks and mortar from your chimney. Another popular scam is when a contractor claims there is a threat of carbon monoxide poisoning if the chimney is not repaired immediately. Always get a second opinion from a reputable contractor. Roofing: Some contractors may use substandard materials and only after your roof leaks, possibly resulting in interior property damage, you realize you have been scammed. You should request that your contract have a hold-back clause where the final payment is withheld until 30 days after the completion of the project. This provides time for the roof work to withstand some weather patterns such as rain, wind, snow or ice.

falls on a weekend or holiday, no late penalty can be assessed if payment is received the next business day. Payments received by 5 p.m. must be credited the same day. Additional Disclosure About Minimum Payments -Your credit card bill must disclose how long it will take to pay off the existing balance, and the total cost in interest fees, if you pay only the minimum amount due each month. Consumers can call the CPB’s toll-free hotline, 1-800-697-1220, to ask questions about the new law and obtain further guidance, or can email their questions to creditcardstory@consumer.state.ny.us. (NYS Consumer Protection Board)

To view the complete Consumer Tool Kit to Home Improvement pamphlet, visit www.nysconsumer. gov/pdf/contractor_ripoffs_2008.pdf

Credit Card Reform Enacted Effective February 2010, many unfair credit card industry practices were outlawed. The new protections are the latest phase of the federal Credit Card Accountability, Responsibility, and Disclosure Act. The most significant reforms include: Limits on Interest Rates Hikes During the First Year -- The interest rate on a new credit card cannot be increased during the first year, unless it’s a variable rate card, the “introductory rate” expires after a minimum of six months, or the cardholder is more than 60 days late in making a minimum payment. Limits On “Penalty” Interest Rate Hikes -- If the interest rate is hiked because you were more than 60 days late in making a minimum payment, the old interest rate must be restored if you make all your payments on time during the first six months after the rate increase. Fairer Payment Allocation -- If your card has more than one interest rate on balances, any amount you pay above the minimum payment must first be applied to the balance with the highest interest rate. Clearer Due Date and Time -- Payments must be due on the same day each month. If the due date

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Other & Investment

New Construction

East Utica

March

Richard Parent • 315-768-1680x203

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10317 State Rte 20

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Top 10 kitchen and bath trends for 2010 newsShorts

Does your kitchen or bathroom look like it’s stuck in a time warp? Then it might be time to update the most-used rooms in your home. For inspiration, look no further than the National Kitchen and Bath Association (NKBA), which recently shared its top 2010 kitchen and bath trends. To compile the findings and determine the latest kitchen and bath trends, the organization surveyed those members who designed a kitchen or bathroom during the last quarter of 2009. According to NKBA, the top 10 trends for 2010 are: 1. Shaker style kitchen design 2. Maple and alder cabinetry finishes 3. Quartz countertops 4. Pull-down/pull-out kitchen faucets 5. Polished chrome finishes 6. Under-counter refrigerator drawers 7. Dishwasher drawers for small loads 8. Marble vanity tops 9. Integrated sink tops, drop-in sinks, vessel sinks and pedestal sinks 10. Bronze and stainless steel finishes In the kitchen

Central New York

Making a big statement throughout the kitchen in 2010 is the addition of functional drawer appliances. One such example, which has been specified by nearly a third of NKBA’s kitchen designers, is modern refrigeration technology. Turning convenience into a luxury, under-counter refrigerated drawers feature adjustable horizontal and vertical dividers to keep frequently used items close at hand. Perfect for the ultimate entertainer, refrigerated drawers are quite roomy, typically tall enough to store a 2-liter bottle and wide enough to hold items such as serving trays and pizza boxes.

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If you’re tired of running the dishwasher when it’s only half-full, consider installing a dishwasher drawer. Because it’s independently operated, you can wash small loads as economically as large ones. Plus, the extra flexibility to run cycles simultaneously with your traditional dishwasher makes clean-up quicker and easier, explaining why nearly a third of designers are incorporating this new trend into kitchens, as well. Another popular element to include in the kitchen in 2010 is a pull-down or pull-out faucet. Utilized by 85 percent of kitchen designers, it’s an easy way to make a design statement at the kitchen sink while 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 .

increasing functionality. The new Arbor pull-down kitchen faucet from Moen seamlessly brings simple sophistication to the kitchen with its transitional styling that complements virtually any decor. It’s available in a chrome finish, which is another 2010 trend to look for in appliances, accents and hardware throughout the entire kitchen. For more information about the Arbor pull-down kitchen faucet from Moen, visit moen.com or call (800) BUY-MOEN (800-289-6636). In the bath Granite is the dominant material chosen for vanities in current remodels - used by seven of every eight designers

- however, in 2010 alternative natural materials, like marble, will continue to grow in popularity. According to NKBA, just under half of bathroom designers utilize marble, as it provides a sophisticated look that’s reminiscent of Roman baths with its regal, refined detail that exudes a sense of luxury. Plus, marble countertops provide a stain-resistant, waterresistant, rugged and durable surface - ideal for childfriendly bathrooms or homes with just one bathroom that see a lot of traffic throughout the day. NKBA also forecasts that integrated sink tops will be a popular choice this year, as you can easily use existing items to achieve this look. By adding a sink into an antique dresser or chest, designers are creating oneof-a-kind vanities for nearly 30 percent of all clients. Polished chrome finishes are another bathroom design trend for 2010. Look to incorporate this chic metal accent into all your hardware by updating the accessories in your bath, as well. You’ll be able to make a big impact with small updates like new towel bars and robe hooks, for a completely coordinated look. (ARA)

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New Hartford $459,700

Vernon

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

Traditional 4 bedroom on 5 acres with updated kitchen and baths, family room addition and new inground pool.

Utica

$138,000

Beautiful and spacious condo. Open ﬂoor plan, one level living. Master bedroom suite. SALE PENDING.

Taberg

$339,900

$134,900

Meticulous 3 bedroom, 2 bath ranch. Open ﬂoor plan, kitchen with island and stainless appliances. Many recent upgrades.

Clinton

$339,000

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

Clinton

$119,900

New carpeting and freshly painted. Many possibilities include residential or commercial use. Great Exposure!

Marcy

$279,900

Fabulous 4 bedroom transitional with two-story entry, hardwood ﬂoors, cherry kitchen with granite, master bedroom suite.

Utica

$99,900

New Interior! Updated 3 bedroom ranch with new kitchen, new bath and family room addition. Gorgeous yard with deck.

Deerfield

$255,900

Only 4 years old. Features great room with ﬁreplace, oversized master bedroom suite. Excellent location with treed yard.

Whitestown

$89,900

3 bedroom home on 2 beautiful acres with mature trees. Freshly painted interior, new carpeting and kitchen ﬂooring.

Marcy

$149,900

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

Utica

$79,900

Excellent South Utica location. Two family home with oversized rooms. Great curb appeal. SALE PENDING

March ■

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South East Utica 2 The Hills Drive

MLS #911363

Unique English Tudor situated on a private wooded setting. 2760 Sq ft of classic style & outstanding craftsmanship. 4 Bedroom, 2 full baths, 2 ½ baths. Updated kitchen & baths, featuring mosaic tiles & stainless appliances. Open livingroom/diningroom, great fr w/ ﬁreplace & beamed ceiling and wet bar. Master suite has gas ﬁreplace. Avanti sound system throughout. Too many ameneties to mention.

New Hartford

Remsen

$399,000

11222 O’Brien Rd

MLS #912298

$253,000

210 Higby Road

Newly constructed 3 bedroom, 2 bath ranch in the Whitetail Meadows development. Gorgeous brick oven kitchen w/maple cabinets, livingroom, diningroom, breezeway. Completed w/lawn, driveway, walkway. Turn key! MLS #912805

Central New York

South East Utica 1005 Garden Road

6775 Fox Road

MLS #1000209

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L i f e and H o m e s

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$129,900

3 Bedroom, 2 bath with interior completely remodeled; new kitchen, baths, tile, carpet, windows, doors & insulation. This house is turn key. Large yard. Holland Patent school district.

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$219,000

Traditional architecture embraces modern day living in this 4 bedroom, 1 ½ bath brick colonial. Center hall foyer lends way to large principal rooms, formal dining, fireplace in fr. Hardwood flooring & crisp, clean lines carry throughout. Classic built ins in almost every room boasts character & a rich interior distinguishes a 1st flr study/den. Sunporch embraces comfort & relaxation. 2 stall garage. W/loft. A must see!

Marcy

$209,900

3 Bedroom, 2 bath ranch, nearly 1800 sq ft, hardwoods, formal diningroom & livingroom, fplcd fr w/built in wet bar, eat in kitchen, master bath. Sliders from kit & master bedroom to private backyard, hot tub inground pool. Many amenities & updates. MLS #1000130

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

New Hartford

Whitetail Meadows

$337,000

Your All Inclusive Home Directory Ava

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$5,000

Central New York $149,000

9551 Mullen Hill Road

Chalet Modular Home

Lot for Rent or Sale

Land not included.

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

For more details visit www.LifeandHomes.com Type in Quick Search #41041

Phyllis Goworek • 315-335-2745

David Sullivan • 315-725-1434

Oneida County - FSBO FSBO • 0@0.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Barneveld

$189,900

K D Homes

Lic. R.E Salesperson • kdhomes@frontiernet.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Central New York $139,000

105 Vanderkamp Ave

Modular Home

Ideal for professional use

Turn Key - Land not included.

For more details visit www.LifeandHomes.com Type in Quick Search #32837

For more details visit www.LifeandHomes.com Type in Quick Search #41040

Anthony Fumarola • 315-732-3456

David Sullivan • 315-725-1434

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Boonville

$107,900

K D Homes

Lic. R.E Salesperson • kdhomes@frontiernet.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

$117,000

9582 Hawkinsville Rd

4 McBride Ave

4 Bedrooms / 1.5 Baths

5 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33983

For more details visit www.LifeandHomes.com Type in Quick Search #32754

Realtor, Debbie Raucci • 315-735-9850

Alexander Sen • 315-797-2400

Town and City Real Estate Licensed R.E. Agent • djraucci@mindspring.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Senshine Real Estate

Broker/Owner • alex@senshinerealestate.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Camelot Homes & Village $89,900

Clinton

New Cape

8161 Kellogg Street

3 Bedrooms / 1.5 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #32343

For more details visit www.LifeandHomes.com Type in Quick Search #41032

Jerry Schweizer • 315-336-7323

Barbara Frank • 315-853-4400

Camelot Homes and Village * • 0@0.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Catskill

$189,000

Clinton Real Estate

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

$350,000 Greene County Gentlemans Farm

Clinton

4 Bedrooms / 2.0 Baths

5 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33942

For more details visit www.LifeandHomes.com Type in Quick Search #41033

David Posson • 607-316-3758

Barbara Frank • 315-853-4400

Posson Realty LLC

Broker/Owner • possonrealty@frontiernet.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

$299,000

124 Utica Street

Clinton Real Estate

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Newly Remodeled VERY AFFORDABLE!

Call 315-794-6533

Lic. Real Estate Broker

335-6971 or 337-0841

www.homecomingrealty.net

734 Erie Blvd. W, Rome, NY 13440

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L i f e and H o m e s

High Traffic

Denise Witchley

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New Hartford/ Clinton

March

700 Sq Ft Commercial Office Space FOR LEASE

Featured Home

Clinton 4074 Cleary Road

$699,900

A Clinton Masterpiece Enjoy the experience & beauty of total privacy on almost 14 acres. This truly unique custom built home has it all. Brazilian hardwoods, vaulted ceilings, mostly granite counter tops, butlers pantry & wine center. 2nd flr. loft overlooking the gracious fireplace. Living Room, 3.5 baths, and much more in over 4,000 square feet of living space.

Kathy White Lic. Assoc. R.E. Broker

4957 Commercial Dr Yorkville, NY 13495

315-768-1680

PRIME PROPERTIES

L i f e and H o m e s

â&#x2013;

Central New York

For more information go to www.4074clearyroad.com

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

Your All Inclusive Home Directory Clinton

LifeandHomes.com

$289,900

Floyd

$126,000

3585 Ernst Road

7484 Alvord Rd

4 Bedrooms / 2.5 Baths

2 Bedrooms / 1.5 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #41027

Clinton Real Estate

Clemens-Beckley Real Estate

Barbara Frank • 315-853-4400

Kimberly A. Beckley • 315-334-1046

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

Broker/Owner • KABBHG@AOL.COM

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

$93,000

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Floyd

$132,900

9 Cleveland Place

7761 Magarchie Lane

3 Bedrooms / 2.0 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41020

For more details visit www.LifeandHomes.com Type in Quick Search #41028

Clinton Real Estate

Clemens-Beckley Real Estate

Barbara Owens • 315-853-4400

Wendy Palinski • 315-334-1046

Associate Broker • info@barbaraowens.com

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

$99,900

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Herkimer

$68,500

3161 Route 12B

333 Eureka

3 Bedrooms / 1.0 Baths

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

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

Clinton Real Estate

A.Fumarola /Joyce Realty

Barbara Owens • 315-853-4400

Anthony Fumarola • 315-732-3456

Associate Broker • info@barbaraowens.com

Broker/Owner • anthony.fumarola@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

$179,900

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Holland Patent

$34,900

1 Utica Street

8651 Edwards Rd

3 Bedrooms / 2.0 Baths

Lot for sale

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

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

Coldwell Banker Prime Properties

SBG Realty

Jodie DeCosty • 315-723-8554

Joel Siegfried • 315-793-7580

Realtor • jodiedecosty@cbpp.com

Broker/Owner • info@sbg-realty.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

Coldbrook

Ilion

Coldbrook

260 S Fourth Ave

6 Bedrooms / 2.5 Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41072

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

Coldwell Banker Prime Properties

$114,500

Bruce Ward & Company

Laura Minard • 315-525-1974

Leslie Nicolette • 315-985-0212

Realtor • lauraminard@cbpp.com

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

Carrie Podagrosi A. Fumarola Realty Inc.

March

Joyce Realty

■

800-432-8669

www.uticaromeproperty.com

www.mohawkhcs.com www.Life and Homes .com

L i f e and H o m e s

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

LifeandHomes.com Lakeport

Marcy

100 Harbor Shore Drive

Marcy

4 Bedrooms

3 Bedrooms / 2.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #41074

National M&D Dailey Realty

Maria E. Dailey • 315-336-0433 Broker/Owner • dailey.realty@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Litlle Falls

$84,900

Licensed Mortgage Banker NYS Banking Dept

Marcy

$124,900

3 Bedrooms / 1.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #33927

Dominion Homes

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Little Falls

$69,900

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

$249,900

Johnny Cake Rd.

17 Woodstream Court

Wooded Lot for Sale

5 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33805

For more details visit www.LifeandHomes.com Type in Quick Search #41052

Amy Abdoo • 315-794-2653

Assist2Sell Seller’s & Buyer’s 1st Choice! JoAnne Shedd • 315-790-1997

Dominion Homes Broker/Owner • blon316@aol.com

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Marcy

$25,000

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

$349,900

Trenton Road

New Hartford

0 Bedrooms / 0.0 Baths

3 Bedrooms / 2.5 Baths

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

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

Barbara Dunn • 315-337-1677

Steve & Rick Buck • 315-736-0865

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Marcy

$149,900

Buck Construction

Contractor/Developer • stevebuck@buckconstruction.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

$274,900

6001 Morris Road

20 Estates Drive

4 Bedrooms / 1.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41070

For more details visit www.LifeandHomes.com Type in Quick Search #33778

Gaetano Belmonte • 315-768-1680

Jay Groah • 315-272-3975

Coldwell Banker Prime Properties Realtor • Homes@GaetanoBelmonte.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Central New York

Realtor • lauraminard@cbpp.com

4 Bedrooms / 1.5 Baths

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

Trying to

Reduce Expenses!

Let us Help!

■

Laura Minard • 315-525-1974

Low Mortgage Rates • Homestead Financial 315-768-1980

6181 Morris Rd.

Tony Pavia • 315-735-9850

L i f e and H o m e s

Coldwell Banker Prime Properties

245 Church Street

Town and City Real Estate

No Cost Financial Review.

Call J. E. Siegfried at

315-796-2258 12

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 .

Coldwell Banker Faith Properties Licensed R.E. Agent • jlgroah@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

KD Homes

featuring

Bill Lake Homes

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

Bill Lake has been the leader in building energy efficient custom homes for over 43 years. Call Dave today! KD Homes Rt 12 Waterville, NY 13480

841-8700

email kdhomes@frontiernet.net web kdhomesny.com

Your All Inclusive Home Directory New Hartford

LifeandHomes.com

$254,900

$21,000 9 Lilliana Park View Estates

5 Bedrooms / 2.5 Baths

2 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41029

For more details visit www.LifeandHomes.com Type in Quick Search #41025

Coldwell Banker Faith Properties Jay Groah • 315-272-3975 Licensed R.E. Agent • jlgroah@gmail.com

Licensed Mortgage Banker NYS Banking Dept

New Hartford

Jean Hunt • 315-725-4700

$699,900

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

$239,500

112 Danberry Circle

45 Wadsworth

3 Bedrooms / 3.5 Baths

3 Bedrooms / 2.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #32614

Coldwell Banker Faith Properties Jay Groah • 315-272-3975 Licensed R.E. Agent • jlgroah@gmail.com

Licensed Mortgage Banker NYS Banking Dept

New Hartford

Senshine Real Estate

Alexander Sen • 315-797-2400 Broker/Owner • alex@senshinerealestate.com

Low Mortgage Rates • Homestead Financial 315-768-1980

$172,500

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Ohio

$59,000

105 Paris Road

Rt 8

3 Bedrooms / 2.0 Baths

2 Bedrooms / 1.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #40989

Coldwell Banker Faith Properties John Brown • 315-735-2222 Broker/Owner • johnbrownsells@yahoo.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

$699,900

Dick Stanton Real Estate

Mike McNaughton • 315-264-3081 Assoc. Broker • mike@mcnaughtonhouse.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Oneida

$199,000

4074 Cleary Road

561 Main Street

3 Bedrooms / 3.5 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41067

For more details visit www.LifeandHomes.com Type in Quick Search #41023

Kathy White • 315-723-7741

Donna Gustin • 315-446-8291-210

Coldwell Banker Prime Properties Lic. R. E. Broker • e_realty@verizon.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

RealtyUSA

Realtor • dgustin@realtyusa.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

$32,000 27 Singleton Park View Estates

Central NY

2 Bedrooms / 2.0 Baths

Custom Log Homes

For more details visit www.LifeandHomes.com Type in Quick Search #41024

For more details visit www.LifeandHomes.com Type in Quick Search #32882

Jean Hunt • 315-725-4700

John & Donna Brand • 518-644-2328

Hunt For Homes

Broker/Owner • JeanHunt1@adelphia.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Owner • vtr2000@earthlink.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Barbara Dunn Realty

420 N. Washington St. Rome, NY 13440

315-334-1046

Adirondack Builders, Inc. is an independently owned and authorized dealer/builder for Tennesee Log Homes.

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

L i f e and H o m e s

START LIVING YOUR DREAM TODAY!

Call Dean Case 315-942-4949 • Cell 315-534-3319 • Fax 315-942-2527

Eastern Adirondack Home & Design

■

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

Clemens-Beckley Real Estate, Inc.

Eastern Adirondack Home&Design

March

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...

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

Hunt For Homes

Broker/Owner • JeanHunt1@adelphia.net

Low Mortgage Rates • Homestead Financial 315-768-1980

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

New Hartford

1240 Pleasant Street

LifeandHomes.com

Your All Inclusive Home Directory

Gentlemens Farm $230,000 Southern Herkimer County Farm 58 Acres

ily

am i-F lt

For more details visit www.LifeandHomes.com Type in Quick Search #33945

Posson Realty LLC

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Close to Albany

Barbara Dunn Realty

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

4 Bedrooms / 2.0 Baths For more details visit www.LifeandHomes.com Type in Quick Search #33755

Licensed Mortgage Banker NYS Banking Dept

$34,900

212 Kossuth

Homecoming Realty

Denise Witchley • 315-337-0841 Licensed R.E. Agent • witchleydenisem@hotmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Central NY

Rome

Custom Home

2 Carmel Drive

Modular

3 Bedrooms / 2.0 Baths

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

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

R. Kessler & Associates

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Otsego

$64,000

1St. Rome Realty

Tracy Winterton • 315-335-3843 Lic. R.E Salesperson • tlwinterton@hotmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

$325,000 Otsego County Dairy Farm

Rome

5 Bedrooms

3 Bedrooms / 1.5 Baths

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

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

Posson Realty LLC

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$189,000

$175,000

6199 Lorena Road

1St. Rome Realty

Tracy Winterton • 315-335-3843 Lic. R.E Salesperson • tlwinterton@hotmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$274,500

111 W Thomas - 8 unit

8105 Pine Brook Lane

Centrally Located

3 Bedrooms / 2.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #41026

Barbara Dunn Realty

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Central New York

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

For more details visit www.LifeandHomes.com Type in Quick Search #33944

Broker/Owner • possonrealty@frontiernet.net

Dorothy Neumann NeuDot Realty

Selling FSBO? This year, more than ever, is not the time to go it alone. Buyers have many homes to choose from. A realtor provides maximum exposure, screens prospects, has contacts with attorneys, home inspectors, surveyors, lenders, contractors. We guide you through the maze of contracts, disclosures, marketing, setbacks and myriad of details. More than ever, you need a friend on your side; someone who knows the market, the risks, the ropes. Now an approved HUD broker. You need Neu.Dot Realty.

■

8 - Units

5 Bedrooms / 2.0 Baths

Low Mortgage Rates • Homestead Financial 315-768-1980

L i f e and H o m e s

111 W Thomas - 8 unit

Rome

David Posson • 607-316-3758

Phone: 315-527-3542 Email: dneumann@neudotrealty.com

$189,000

$649,000 Washington County Farm

Posson Realty LLC

l cia er mm Co

Rome

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

Gaetano’s Clients Enjoy Professional Real Estate Home Staging

Go to SellingCentralNewYork.com or call 768.1680 x202

Clemens-Beckley Real Estate Edward Beer • 315-334-1046 • EBEER@TWCNY.RR.COM

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Affordable Quality Homes Stick Built & Modular COMING SOON!

Video Tour

Complete Home Packages Starting at !

oN so g N Mi Co

QSN #33898

oN so g N Mi Co

Deerfield

www.lifeandhomes.com

$149,900

oN so g N Mi Co

Westmoreland

Holland Patent

Taberg

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

In every adversity lies the seeds of equal or greater beneﬁt. Never Give Up!

H. Palmer Properties, LLC

Investor’s Specials

315.868.8668 • howiepq@yahoo.com

14 Barns Ave , Utica

$58,000

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

1021 Hope St , Utica

$58,000

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

Package Deal! All 4 Properties

$232,000 Price Negotiable Gross Monthly Income

$58,000

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

ROP Permits in City of Utica for all properties.

www.Life and Homes .com

L i f e and H o m e s

$850 Monthly Income

$4,100

■

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

1008 Hope St , Utica

March

1013 Hope St , Utica

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

Your custom home is more than just a house. it’s where you dream, retreat, make memories. let Marand custom Homes make your dreams a reality. with over 25 years of experience, we deliver exceptional quality and service for all your custom home and remodeling needs. March

C a l l U s To d a y f o r a F R E E C o n s u l t a t i o n a n d Q u o t e .

■

commercial & residential

Mark Barbato

Owner President , Home Builders Association

6848 Mallory road Holland Patent, nY 13354 (P) 315.797.0806

www.Life and Homes .com

L i f e and H o m e s

Marand Builders & renovators, llc

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 Rome

$114,900

$69,900

5687 Old Oneida Road

817 Roosevelt Ave

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41068

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

Jenny Chapin • 315-363-5533

Melissa Clark • 315-733-0463

ERA Hunt

Prudential J.R. Carucci Real Estate

Realtor • jchapin1@twcny.rr.com

Realtor • mclark@prudentialcarucci.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$179,900

$139,900

6607 Bartlett Road

300 N. Charles St.

Land to build on.

4 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33888

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

Denise Witchley • 315-337-0841

Tony Abone • 315-339-2222

Homecoming Realty

RE/Max All Pro

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

Broker/Owner • proabone@cnymail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$82,900

$49,950

629 Floyd Ave

118 N. Crescent Drive

3 Bedrooms / 1.0 Baths

2 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33858

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

Denise Witchley • 315-337-0841

Tony Abone • 315-339-2222

Homecoming Realty

RE/Max All Pro

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Broker/Owner • proabone@cnymail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

406 W. Oak Street

111 Frederick St

4 Bedrooms / 3.5 Baths

3 Bedrooms / 1.0 Baths

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

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

Maria E. Dailey • 315-336-0433

Tony Abone • 315-339-2222

National M&D Dailey Realty

RE/Max All Pro

Broker/Owner • dailey.realty@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$54,500

Broker/Owner • proabone@cnymail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$55,500

$79,900

534 Mill Brook Road

8411 Dawn Dr.

3 Bedrooms / 1.5 Baths

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

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

We Buy/Sell Houses • 315-264-9235

Tony Abone • 315-339-2222

Oneida County Real Estate Investors

RE/Max All Pro

Investor • phpenterprises@hotmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

315-796-2258

Dominion Homes

Amy is a NYS licensed Real Estate Broker. For the last 6 years she has enjoyed working primarily with marketing foreclosures with several different banks and outsourcers. She resides in Clinton and when not “Helping You Make Our House Your Home”, she spends time with her husband and three boys. Give her a call or email for your Real Estate needs. Phone: 315-794-2653 Email: Blon316@aol.com www.Life and Homes .com

L i f e and H o m e s

Call J. E. Siegfried at

Amy Abdoo

■

$65 for most filers

Licensed Mortgage Banker NYS Banking Dept

March

TAX TIME AGAIN

Broker/Owner • proabone@cnymail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

LifeandHomes.com Sauquoit

Your All Inclusive Home Directory Utica

$499,500

Sauquoit Valley

1400 Seymour Ave

3 Bedrooms / 1.0 Baths

5 Bedrooms / 2.0 Baths

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

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

Walt Pratt • 832-651-5427

Dorothy Neumann • 315-527-3542

Oneida County - FSBO

NeuDot Realty

FSBO • rob@cybervillage.com

Broker/Owner • neu.dot@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Sylvan Beach

Licensed Mortgage Banker NYS Banking Dept

Utica

$67,000

1314 Vienna Rd

$44,900 1616 Brinkerhoff Ave - 2 unit

Rent to own

6 Bedrooms / 2.0 Baths

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

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

Steve Ruscitto • 315-762-4488

Joel Siegfried • 315-793-7580

Oneida County Real Estate Investors

SBG Realty

Investor • steve@cnyres-q.com

Broker/Owner • info@sbg-realty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Sylvan Beach

Licensed Mortgage Banker NYS Banking Dept

Utica

$69,000

717 Plant Street / 2 unit

Rent to own

0 Bedrooms / 0.0 Baths

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

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

SBG Realty

Steve Ruscitto • 315-762-4488

Joel Siegfried • 315-793-7580

Investor • steve@cnyres-q.com

Broker/Owner • info@sbg-realty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Taberg

$134,900

23 Matt Drive

Licensed Mortgage Banker NYS Banking Dept

ily am F i t ul

3 Bedrooms / 2.0 Baths For more details visit www.LifeandHomes.com Type in Quick Search #41071

4 Bedrooms / 2.0 Baths

Investor • tonymyers@verizon.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

8597 Ranney Rd.

$92,900

$74,900 15 Hampden Place - 2 family

3 Bedrooms / 2.0 Baths

6 Bedrooms / 2.0 Baths

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

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

Dominion Homes

The Nehemiah Fund

Amy Abdoo • 315-794-2653

Tony Myers • 315-525-6291

Broker/Owner • blon316@aol.com

Investor • tonymyers@verizon.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Central New York

3 Sherman Place

Tony Myers • 315-525-6291

Realtor • Homes@GaetanoBelmonte.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Richard Parent 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 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

Business Opportunities

Coldwell Banker Prime Properties

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$59,900

The Nehemiah Fund

Gaetano Belmonte • 315-768-1680

Taberg

Utica

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

Coldwell Banker Prime Properties

L i f e and H o m e s

$59,900

503 16th Ave

Oneida County Real Estate Investors

$34,900

from

Real People.

Do you seek to leverage your existing business or personal network to boost, or create, revenue? Maybe you want to start a new business, but you’re inundated by bogus biz opp spams and scam. come see the cyberVillage list of business opportunities and we will help you cut through the maze. --> learn more here: http://Business.cyberVillage.com Disclaimer: All business includes some risk. Nothing is ever guaranteed in business. Please consult with an attorney before starting a business.

Your All Inclusive Home Directory Utica

Commercial Listings

$115,000

Utica

1120 Hoover

Colonial Square

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41047

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

John Doti • 315-732-3456

Steve & Rick Buck • 315-736-0865

A.Fumarola /Joyce Realty Lic. R.E Salesperson • Jdoti@gurbr.com

Contractor/Developer • stevebuck@buckconstruction.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

Buck Construction

$109,900

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

$144,900

427 Burmont Drive

144 Proctor Blvd

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33811

For more details visit www.LifeandHomes.com Type in Quick Search #41030

Marie Scialdone • 315-866-2002

Jay Groah • 315-272-3975

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

$239,900

Coldwell Banker Faith Properties Licensed R.E. Agent • jlgroah@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

$399,000

North Utica

2 The Hills Drive

3 Bedrooms / 2.0 Baths

4 Bedrooms / 2.5 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #40995

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

Utica

$319,900

Scampone Realty

Carol Scampone • 315-797-7100 Lic. R. E. Broker • ginascampone@yahoo.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

North Utica

$64,900 905 Springate Street - 2 units

3 Bedrooms / 2.0 Baths

6 Bedrooms / 2.0 Baths

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

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

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

Utica

$209,900

The Nehemiah Fund

Tony Myers • 315-525-6291 Investor • tonymyers@verizon.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Verona

North Utica

$439,000 5311 State Rt 46 Commercial

2 Bedrooms / 2.0 Baths

4 Lucrative businesses in one

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

For more details visit www.LifeandHomes.com Type in Quick Search #41069

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

Smith Inspection Services, llc

Lic. R.E Salesperson • gpatane@realtyusa.com

Licensed Mortgage Banker NYS Banking Dept

MidState Contracting Barry Kotary

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

Call 315-363-8074

VISIT WWW.LIFECOACHINGSEMINARY.COM/2 OR CALL KRISTEN @ 407-580-0850

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

315.335.8073 www.Life and Homes .com

L i f e and H o m e s

7710 McKern Rd Rome, NY

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

GET PAID WELL TO SHOW OTHERS HOW TO WALK IN GOD’S WAY! GET YOUR FIRST TWO WEEKS OF TRAINING FOR FREE!

Georgia Patane • 315-446-8291 Low Mortgage Rates • Homestead Financial 315-768-1980

March

Serving Central NY and the Mohawk Valley

MAKE GREAT MONEY AS A LIFE COACH!

RealtyUSA

LifeandHomes.com Westmoreland

Your All Inclusive Home Directory

$219,900

$157,000

Eureka Road

55 Main Street

4 Bedrooms / 2.0 Baths

3 Bedrooms / 1.5 Baths

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

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

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

Westmoreland

$89,000

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

Cape Vincent

$145,000

6714 Dix Rd.

324 East Joseph Street

2 Bedrooms / 1.0 Baths

3 Bedrooms / 2.5 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #33932

Dick Stanton Real Estate

Mike McNaughton • 315-264-3081 Assoc. Broker • mike@mcnaughtonhouse.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Westmoreland

$45,000

5230 St. Rt 233

Bowes Realty

James Wiley • 315-778-1360 Agent • jameslwiley@tds.net

Home Loan Solutions • Northern FCU • 315-771-4783

Dexter

$113,000

19073 State Rt 12f

3 Bedrooms / 1.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33867

For more details visit www.LifeandHomes.com Type in Quick Search #41063

Dominion Homes

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Westmoreland

Coldwell Banker-Rimada Realty Frank Roberts • 315-788-6176 Lic. R.E Salesperson • frobert2@twcny.rr.com

Home Loan Solutions • Northern FCU • 315-771-4783

$225,000 6062 Lower Lawrence St.

Carthage

3 Bedrooms / 2.0 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41031

National M&D Dailey Realty

Maria E. Dailey • 315-336-0433 Broker/Owner • dailey.realty@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Whitesboro

For more details visit www.LifeandHomes.com Type in Quick Search #41066

Christensen Realty USA

Ernest Scriber • 315-222-3153 Lic. R. E. Salesperson • escribner@realtyusa.com

Home Loan Solutions • Northern FCU • 315-771-4783

$79,500

48 Dolly Road

5 Bedrooms / 2.5 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41073

Coldwell Banker Prime Properties Laura Minard • 315-525-1974 Realtor • lauraminard@cbpp.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Central New York

$145,000

19830 Eddy Road

Heuvelton

Whitesboro

For more details visit www.LifeandHomes.com Type in Quick Search #33988

Byrns Realty

Bradley Byrns • 315-287-1789 Lic RE Broker/Owner • brad@byrnsrealty.com

Home Loan Solutions • Northern FCU • 315-771-4783

SBG Realty and I would like to thank everyone for a great 2009 From Jan. 1 to April 30 all listings with me will be reduced commissions.

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L i f e and H o m e s

Whitesboro

$1995 or 4% if sold by another broker.

Call J. E. Siegfried at

315-796-2258 22

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 .

hardwood flooring • stair parts • molding

We Stock

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

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

Otsego County

$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.

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.

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

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.

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

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

March ■

Near New

Nice & Comfortable

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

www.Life and Homes .com

L i f e and H o m e s

Beautiful Ranch 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

You Gotta Have Faith.

L i f e and H o m e s

â&#x2013;

Central New York

Each Office is Independently Owned and Operated

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

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

735-2222

Anthony Vaccarelli Audrey Johnson

Cindy Lazzaro

JC Pantola

Barb Roberts

Jenny Carabin

Jim Lenahan

Ben Tringo

Bitsy Maye-Rattler Bozena Sroczyk

Susan Martorell

John Brown

Cindy Major

Jonathon Smoulcey Judy Hinman

Cliff Ganey

Deborah Hapanowicz

Keith Schuderer

Bert McCumber

Derby Family

Kelli Inserra

Diane Lockwood

Linda Peters

Henri Abiyaghi

Lori Hamlin

Ismail Yildirim

Lori Scalise

Jay Groah

Michelle Faga

Marcia Archibald Pauline Nicoterra

Veronica Coe

Rick Rodio

Rosemarie Costello

March â&#x2013;

www.Life and Homes .com

L i f e and H o m e s

735-8515

Campion-Weeks

Adeline Griffiths Alice Donnelly

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

Anne Hameline Anthony Desarro

Azza Diorgi Brett Lojewski

Whitesboro

$169,900

Well maintained 3/4 bedroom raised ranch. DR, lge FR, 2.5 Baths, double gar. Sunroom, inground pool, Many Updates. MLS#100134 www.Campionweeks.com 735-8515

New Hartford

$169,900

Charming & immaculate 3 bedroom stone colonial. Lge family rm overlooking backyard. DR, 1.5 Baths, 2 Fireplaces. Att garage. MLS#100136 www.Campionweeks.com 735-8515

Westmoreland

$189,000

Open ﬂoor plan we love! 4 bedrm, 2 Bath log home. DR, well built. Park-like setting. MLS#100228 www.Campionweeks.com

735-8515

New Hartford

$169,900

Ranch style condo w/ open concept. Dining area, 2 bdrms, 2 baths. Vaulted ceiling, treed yard, full basement. Att Garage. MLS#100235 www.Campionweeks.com 735-8515

Carla Dochterman Carol Chiarello

Carole Owen Caroline Marino

New Hartford

$750,000

Exceptional, custom designed contemporary. 4/5 bedrms, 4 baths. Vast open spaces, lofted 2nd & 3rd ﬂrs. Att. gar. Wraparound deck, acre lot. MLS#100335 www.Campionweeks.com 735-8515

East Utica

$119,900

Attractive 4 BD, 1.5 Bath colonial. Natural woodwork, ﬁreplace, many updates. Garage. MLS#100394 www.Campionweeks.com 735-8515

Barneveld

$159,900

Wonderful 4 BD, 2 Bath raised ranch in cul-de-sac. Many updates including kit & baths. New roof, generous backyard. 2 car gar. Owner looking for offers. MLS#801596 www.Campionweeks.com 735-8515

New Hartford

$249,000

Transistional, professional office. Currently a law office. Excellent village location. Rentals on 2nd flr. Waiting rm, reception, conference room. MLS#911696 www.Campionweeks.com 735-8515

Dave Malozzi Kim Johnson

Linda Cavalier Linda Kuzniar

Yorkville

$84,500

Quaint & neat 3 bedroom home. DR, sunroom, updated applianced kitchen. 2 car garage. Double lot. 2 BRs down, 1 BR up. Vinyl siding, most new windows . MLS#911716 www.Campionweeks.com 735-8515

Boonville

$105,900

Beautiful, charming village home, 4 bedrms, 1.5 baths, den, DR, great yard. Garage. Wonderful detail throughout. MLS#911869 www.Campionweeks.com 735-8515

North Utica

$96,900

Nice, vinyl sided 3 bedroom ranch. New windows, updated kitchen, covered deck. Attached garage. Lower level family room. MLS#100500 www.Campionweeks.com 735-8515

Yorkville

$73,900

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

Luis Montero Marilyn Valvo

Mark Canter MaryBeth Roberts

North Utica

$152,500

Exceptional, exquisite 4 bedrm, 2 bath home. Totally remodeled with new addition to the rear, offering DR and mstr bedrm suite. MLS#912265 www.Campionweeks.com 735-8515

Floyd

$169,900

Wonderful contemporary in a private setting. 3 bedrm, 2.5 baths. New kitchen & baths. DR 2 car gar. Holland Patent schools. MLS#912281 www.Campionweeks.com 735-8515

New Hartford

$149,000

Wonderful farm house with approx 3200 s/f of living. FR, DR, in-law apt. 4/5 bedrms, 2 baths, 2 car garage. MLS#912433 www.Campionweeks.com 735-8515

Utica

$35,000

Michael Grassi Pat LoGuidice

Two family investment property. 6 rms and bath in each apt. Separate utilities. Extra side lot. MLS#912535 www.Campionweeks.com 735-8515

Central New York

Paul Durrigan Rosemary Nicotera

Ruth Fanelli Sabrina Arcuri

Frankfort

$134,500

$274,500

Gorgeous 4-5 bedrm, 3 bath transitional cape. DR, FR, att double gar. 1st ﬂr mstr suite. Central air. Only 4 yrs young. Approx 2600 s/f MLS#912704 www.Campionweeks.com 735-8515

Deerfield

$112,000

Wonderful ranch with 3 lge bedrms, 1.5 baths, Fireplace, eat-in kit, att garage. Deck overlooks private yard. MLS#912729 www.Campionweeks.com 735-8515

Rome

$350,000

Exceptional opportunity to own this “One of a Kind” 5 bdrm brick colonial. FR, DR, library, 3 full and 2 half baths. Maids quarters. 3 car carriage house w/ apt. Inground pool.

MLS#912768 www.Campionweeks.com

735-8515

Sam Vedete

Susan Alberico

Tom Conte

Tom Mazzotta

Vera Sadallah

Wade Evans

L i f e and H o m e s

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Looking for a peaceful setting? Come see this 3 bedrm, 2.5 bath ranch. Fireplace, 2 car garage. 16 yrs young MLS#912599 www.Campionweeks.com 735-8515

Marcy

Prospect

$149,900

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

New Hartford

$179,900

Wonderful. 1 owner 3 bdrm, 2.5 bath home. FR, DR, sunroom, double gar. Magniﬁcent inground pool. Possible 4th bdrm. MLS#912811 www.Campionweeks.com 735-8515

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

Southeast Utica

$299,900

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

Sauquoit

$146,900

Lovely remodeled ranch with dramatic ﬂair. New, state of the art kit. stainless appliances, stone ﬁreplace, 4 bdrms, 1.5 baths. Double gar MLS#913299 www.Campionweeks.com 735-8515

32 main street whitesboro, nY 13492

Whitesboro $103,900

Yorkville

$69,900

Versatile village home offers 3 bedrooms, 2 baths, Large foyer w/natural woodwork, many updates, very well maintained. Lends itself to an in-law or 2 family. Has 2 kitchens & can be switched back to separate utilities. MLS #1000056 Call 736-8000

Bungalow home with an expanded 2nd level 2 bdrm apartment 1st floor features 3 bdrms. Great for in-law or 2 family. Great price in the Whitesboro School District. MLS# 913363 Call 736-8000

Marcy Land $24,900

Floyd

Get Building ! 1.8 acre lot with 128’ frontage. Public utilities available at road. Whitesboro Schools. Possible owner financing for qualified buyers! MLS# 1000059 Call 736-8000

Out in the country you’ll find this immaculately cared for & updated raised ranch on over 1 acre. 3 or 4 bedrooms, Din Rm, Fam Rm, Sun Rm. Appliances, 2 stall attached & 4 Stall Detached Garages. Convenient to Utica-RomeGriffiss MLS# 913225 Call 736-8000

West Utica

$49,900

Large 2 family on a double lot. Each apartment features 3 bedrooms, living, dining, Family rooms & kitchen. Separate utilities. Great Location convenient to colleges & hospitals. MLS # 10000122 Call 736-8000

East Utica

$39,900

3 Bedroom Bungalow, Living & Formal dining rooms. Finished Attic Great for a family game room. 3 Car Carport. MLS# 1000090 Call 736-8000

$188,500

March

$16,500

For the cost of a used Volkswagen you can buy this wonderfully maintained 2 bedroom, 2 Bath Mobile home in the Milgate Meadows Park. Park approval required. Cheap Living! MLS#912825 Call 736-8000

Whitesboro

$285,000

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

www.Life and Homes .com

L i f e and H o m e s

Just Listed! Expanded Cape features 5 bedrooms, New Kitchen, Formal Dining rm., Hardwood floors, Garage. Great Village location w/ Views. Call 736-8000

Kirkland

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New Hartford $142,500

mortgageCorner

Too Much House?

By Dave Ramsey

First, let me tell you that mortgage debt is the only kind of debt I don’t yell about. I don’t borrow money - ever. But, I know most people won’t do the “100% Down Plan” when it comes to buying a home. So what are your options? For those of you who are in debt (which is most of you), let me tell you what Sharon and I did. Nearly 20 years ago my wife, Sharon, and I hit the financial bottom because of our debt. We did an unpopular thing to help turn things around. After years of marriage and owning hundreds of pieces of real estate, we became renters. Normal mindset is that you should buy and not rent but remember normal is broke. All these years later, I can see that that was probably THE best sacrifice we made. We were able to pay off our debts and save money for a house.

L i f e and H o m e s

■

Central New York

Although that’s the smartest and safest route, if your heart is set on buying a home you can still do it wisely. But if you can’t pay cash for a house in full, how do you figure how much house is too much? Take some time to sit down and do the math. Your mortgage payment should not be more than 25% of your take-home pay and you should get a 15-year or less fixed-rate mortgage. Notice I said a 15-year mortgage, not 30. Don’t be tempted by the smaller monthly payments of a 30-year mortgage. The truth is 30-year mortgages are for people who enjoy being in debt so much they want to extend it for 15 more years and pay thousands of dollars more in interest for the privilege! Now, you can probably qualify for a much larger loan than what 25% of your take-home pay would give you. But it’s really not wise to spend more on a house because then you will 28

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

be what I call “house poor.” Too much of your income would be going out in payments, and it will put a strain on the rest of your budget so you wouldn’t be saving and paying cash for furniture, cars and education.

Dave Ramsey is a personal money management expert, an extremely popular national radio personality and best-selling author of The Total Money Makeover. Dave is changing the face of America by helping people get out of debt and build wealth. Ramsey exemplifies his life’s work of teaching others how to be financially responsible, so they can acquire enough wealth to take care of loved ones, live prosperously into old age, and give generously to others. Read more of what Dave has to say about real estate at www.daveramsey.com (EZinearticles.com)

The point is your house payments shouldn’t take over your budget. Don’t let your mortgage payments cause you major stress every month for years and years to come. Your dream home needs to be just that, a dream. You don’t want it turning into a financial nightmare.

A “smart home” is a home equipped with structured home wiring packages that control the home’s systems via networked technologies. Fewer than 2 percent of homeowners build a custom home; most buy an older home or select from a home builder’s menu.

Home Mortgage Seminar Wednesday, March 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!

FREE! No Obligation!

In-Depth Homebuyers Seminar Buyers & Realtors Welcome

March 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

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

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

Call (315) 865-5845 or Email david@dslisi.com 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 www.Life and Homes .com

L i f e and H o m e s

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

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

March

Street Name Loquer Street Roberts Road Bristol Road Susquehannah Street Elm Street Watson Place Eastwood Ave Slusser Ave Oxford Road

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 .

March ■

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

www.Life and Homes .com

L i f e and H o m e s

It doesn’t get any better

Laura Minard

Licensed Real Estate Salesperson

Twin Home Prices from $189,900

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

Video Tour

Under Construction

www.lifeandhomes.com QSN #34001

stevebuck@buckconstruction.net

Under Construction North Utica

QSN#33997

Central New York

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

â&#x2013;

L i f e and H o m e s

$209,900

New Hartford

QSN#33998

$249,900

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.

North North Utica Utica

QSN#33999

$239,900

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

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

105 Main Street Whitesboro, NY 32

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

315.736.0865

Westmoreland

QSN#34000

$219,900

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

315.736.0865

stevebuck@buckconstruction.net