LifeandHomes Capital Region NYJuly 2024

Good Neighbors Make Good Fences

Poet Robert Frost is noted for saying good fences make good neighbors. It's safe to assume Mr. Frost had no idea how contentious neighbors could become over that issue. Property disputes involving fences and allegations of encroachment are reportedly among the most heavily litigated types of cases. While fence issues may feel petty in the grand scheme of things, they do affect property rights and that IS important.

If you're planning on installing a fence, hedges, trees, or bushes on your property to create a boundary or division, it would be wise to take a few steps to help avoid creating a fence dispute.

Hire a land surveyor to determine your property lines. Installing a fence even an inch over your line can cause problems. Fence companies usually install a foot inside the line, just to be sure. Obtain a permit, if required, and follow local zoning ordinances dictating fence requirements, such as the height of a fence, how far an owner must set back a fence, the use of prohibited material, the maintenance of a fence, etc. In some places, you won't need a permit to put up a fence but you will need to be aware of any ordinances governing the height and placement of fences and screening

811 is the national call-before-you-dig phone number. Call 811 a few business days before digging to request that the approximate location of buried utilities be marked with paint or flags so that you don’t unintentionally dig into an underground utility line.

No one likes surprises. Before installing, says IndyHomes, have a conversation with neighbors. If property line issues exist, resolve them before installation. No need to show neighbors the design – that’s just inviting trouble. They have to live with your choice unless it lowers property values or is dangerous.

Be a good neighbor when it's time for fence maintenance, repair or replacement.. If a dispute does happen to arise between yourself and a neighbor, work together and do everything in your power to find a peaceful resolution. Remember, good fences make good neighbors and good neighbors make good fences. For more information on this Front Cover Featured Listing, See Page 6

What Goes Into My Total Monthly Mortgage Payment?

Principal + interest + mortgage insurance (if applicable) + escrow (homeowners insurance and tax) =Total monthly payment.

If you live in a condo, co-op, or a neighborhood with a homeowners’ association, you will likely have additional fees that are usually paid separately.

Although your principal and interest payment will generally remain the same as long as you make regular payments on time (unless, for example, you have a balloon loan), your escrow payment can change. For example, if your home increases in value, your property taxes typically increase as well.

When considering a mortgage offer, make sure to look at the total monthly payment listed on the written estimates you receive. Many homebuyers make the mistake of looking at just the principal and interest payment, leading to an unpleasant surprise when they learn their total monthly payment is much higher. You can find your estimated total monthly payment on page 1 of the Loan Estimate, in the “Projected Payments” section.

Many lenders require you to pay your taxes and insurance in advance using an escrow account, but not all do. If there’s no escrow payment listed on your Loan Estimate, these costs won’t be included in your monthly payment to your mortgage lender. Instead, you’ll have to pay property taxes directly to your state or local government and homeowners insurance directly to your insurance company. To make sure you can afford the mortgage, find out what your property tax and homeowners insurance bills will be, and calculate the total monthly payment yourself. Ask your real estate agent where to get this information.

If one lender requires you to pay taxes and insurance into an escrow account, but another doesn’t, compare the offers by looking at the principal and interest payment instead of the total monthly payment. Make sure to calculate the total monthly payment as well so you can be certain you can afford it.

(consumerfinance.gov)

Guide To Purchasing New Appliances

Appliance Tech put together a helpful 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're 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. 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.

As a consumer shopping for a new appliance, make sure you take the right steps before you buy. 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 the 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 is 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 must read before purchasing any new appliance for your home. Find the guide at https:// appliancetechclemsonsc.com/guide-to-buying-anew-appliance/. (pr.com) your local professional service.

(BPT)

Increase Your Water Safety Vigilance

Drowning remains the leading cause of death among children ages 1 to 4 years old.

Parents and caregivers can follow simple steps to keep children safer in and around the water: Never leave a child unattended in or near water, and always designate an adult Water Watcher. This person should not be reading, texting, using a phone or being otherwise distracted. In addition to pools and spas, this warning includes bathtubs, buckets, decorative ponds, and fountains.

•If you own a pool or spa, install layers of protection, including barriers to prevent an unsupervised child from accessing the water. Homes can use door alarms, pool covers, and self-closing, self-latching devices on fence gates and doors that access pools.

•Learn how to perform CPR on children and adults. Many communities offer online CPR training.

•Learn how to swim and teach your child how to swim.

•Keep children away from pool drains, pipes, and other openings to avoid entrapments.

•Ensure any pool and spa you use has drain covers that comply with federal safety standards. If you do not know, ask your pool service provider about safer drain covers.

(cpsc.gov)

Looking to Sell or Buy A

Sell or Buy A Home?

Colleen Ioele-DeCristofaro

242 Burdick Road - Welcome to this charming 3 bed, 1.5-bath home which o ers over 2400 sq ft of living space and 2 car attached garage. Entertain in style with a spacious bar/rec room, large family room with wood burning replace, ceramic tile mudroom with a sliding door to a walkout stamped concrete patio. Enjoy the tranquil stream running through the property and take a quick walk to the wood- red sauna that can be accessed by the wooden bridge, the perfect hideaway after a long day. Enjoy the 3-season room and step outside to a large deck and spend the summer basking in the above-ground pool. Your perfect retreat awaits! 242burdickroadroad.howardhanna.com Johnstown $349,000

Johnstown $329,500

28 E. Main Street - Historic charm with endless possibilities located in the heart of Johnstown! This recently renovated turn-key restaurant/diner comes fully equipped with a meticulous kitchen, outdoor dining space, full bar, space for live music and a 2nd oor event area for up to 75 people.The main dining area is furnished with a mix of colorful seating & sleek tables, providing guests a place to relax and enjoy their meals. The exterior showcases a wonderfully restored facade keeping with the historic feel of the area. This is the perfect property for enjoying the hustle and bustle of the vibrant downtown atmosphere. 28emainstreet.howardhanna.com

$595,000

L1 Kathy’s Way - Developers, developers, developers....here is a unique opportunity to build on a site that has the infrastructure in place! Kathy’s Way is a 26.2 acre parcel with many possibilities. The paved road and cul-de-sac, maintained by the city of Gloversville has road frontage from beginning to end. The city water, sewer, electrical and gas lines are already in place. Gloversville recently approved new zoning which would allow Single Family homes, Townhomes, Condos and/or Market Rate Apartments. This property is within close proximity to public services, medical o ces, shopping and schools, yet is in a private setting. Come take a look and let’s talk possibilities!

Johnstown

$319,900

291 N. Comrie Avenue- Invest in a prime commercial opportunity on Route 30A business district! This property boasts a prime location with high visibility and ample parking. Currently, it houses two successful businesses, a hair salon and a retail store, one of which is owner-occupied and the other a long-term tenant. Each unit has separate utilities, making this a great opportunity for investors looking for a commercial building . 291ncomrieavenue.howardhanna.com

Gloversville

Lower Home Cooling Bills: Six Tips For Savings This Summer

Consider these six proven tips, provided by YORK® brand of Johnson Controls., to help reduce your cooling bills this summer.

The Energy Information Administration (EIA) estimates that home cooling accounts for 12% of the average household's monthly electric bills. As many homeowners experience higher-than-average utility costs, simple HVAC upgrades and routine maintenance can help reduce cooling expenditures by improving system efficiency. Before setting the thermostat to cool, homeowners should try these cost-saving tips:

•Replace Filters and Clean Vents: HVAC filters help keep dust and debris from being recirculated throughout a home. However, when these filters become too full, they can limit airflow and cause the blower to work harder. Maintaining a filter replacement routine can help improve efficiency and extend the life of the HVAC system. For most systems, the recommendation is to replace the filter every one to three months, but homeowners should follow the frequency indicated by the HVAC system manufacturer. Routinely cleaning the grates of the air vents will also help to maintain efficient airflow.

•Schedule Preventative Maintenance: The Indoor Air Quality Association (IAQA) estimates that routine HVAC maintenance can reduce annual heating and cooling bills by as much as 30%. Routine maintenance involves cleaning and inspecting the evaporator coil, examining the drain pan and condensation line, evaluating blowers and fans, testing system controls and checking refrigerant levels. Establishing a routine of scheduled service prior to the hottest and

coldest times of the year - when HVAC systems are used most - will ensure equipment is in peak working condition and can even help to reduce costly repairs over time.

•Cover Windows: The Department of Energy (DOE) estimates that as much as 76% of the sunlight that hits a standard, double-pane window will transfer as heat into the home. Window coverings of nearly any nature will help to reduce solar heat gains, especially when installed in south-facing rooms or homes with little to no exterior shade. But for the greatest energy reduction, homeowners should opt for insulated cellular shades certified by the Attachments Energy Rating Council (AERC). These specially designed shades incorporate an interior layer of insulation and can reduce solar heat that enters through the windows by as much as 60%.

• Inspect and Seal Ductwork: EnergyStar estimates that as much as 20% of HVAC efficiency is lost to poorly connected or damaged ductwork. An HVAC technician can inspect the ductwork throughout a home and evaluate the system's air supply and return balance. Airflow imbalances could be a sign of damage, loose seals or even that the ductwork isn't sized correctly. Ductwork located within basements, attics or crawl spaces can also be a point of efficiency loss if the ductwork isn't properly insulated.

•Update the Thermostat: The U.S. Department of Energy (DOE) estimates that the average homeowner could reduce their annual

heating and cooling bills by as much as 10% by using a programmable thermostat to reduce HVAC demands overnight or while away from the home. Some smart thermostats incorporate geo-fencing features to further reduce energy use by detecting homeowners' proximity to the house and adjusting the temperature based on home and away settings. Some thermostats can even alert homeowners to potential system issues and provide the option to grant their HVAC contractor with remote service access.

•Utilize Inflation Reduction Act Savings: With higher-efficiency HVAC equipment from YORK®, homeowners can reduce their heating and cooling costs by as much as 50% compared to low-efficiency systems, helping homeowners see a reduction in their energy bills while lowering their environmental impact. The Inflation Reduction Act (IRA) has made the transition to high-efficiency systems, including heat pumps, even more affordable by offering tax rebates up to $2,000 dependent on household income. IRA incentives can also be combined with local and manufacturers rebates to further increase cost-savings. Since heat pumps are powered by electricity and operate by transferring heat rather than producing it, heat pumps can reduce site energy use by as much as two-thirds when compared to conventional, fuel-powered heating systems.

For more information on rebates, visit YORK. com. (BPT)

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.

ROAD, OTISCO

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.

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!

106 Kenmore Rd, Old Forge “WILDWOOD “- Imagine The Posibilities $3,200,000

“Wildwood”, a spectacular 4 season home perfectly positioned for sweeping lake and mountain views. With 5.5 acres of prime waterfront and over 400 feet of shoreline, this meticulously kept and custom-built compound a ords tasteful Adirondack living and perfect ow.

The open oor plan still a ords privacy on its expansive three levels, and main level. Stylish 2-bedroom, 2-bathroom guest house remarkably well equipped and beautifully executed. Stone replaces. terraces, decks, lawns, serene porch, boathouse, two-stall garage, this one checks all the boxes!

Contact John Brown to schedule your private showing of this impressive property.

130 Paris Rd, New Hartford

This expansive mansion sprawls over 5.8 acres with 5200 square feet of luxurious amenities. Meticulously updated elegance while honoring its rich history, this home offers unparalleled entertainment amidst mature, lush landscapes and private gardens. Enjoy the in-ground heated pool, hot tub and flower gardens, lawns perfect for shuffleboard, pickleball and lawn games.

Inside, nd 4 bedrooms with the potential for a 5th, including a lavish and over-sized primary ensuite with soaking tub, raised ceilings and sauna.

The attached 3-stall garage accommodates 5-6 vehicles, complemented by an additional 3-stall detached garage. Come live the lifestyle! Contact

Listing Agents: Vincent Scalise & John Brown

Sharon Baisley

Lic. R.E. Broker 315-429-9754

sbaisley@hbegroup.com United Country Real Estate / HBE

844-626-8773

Offering Licensing and Continuing Education for Real Estate Brokers, Agents, Appraisers, Accessors. Mortgage courses available. Online and classroom course options. ProCareerCenter.com

Providing high-performance spray foam insulation to create energy efficient homes. Reliable service and attention to detail. Call for your free estimate. 518-993-2600

Pools/Spas

SWIM SPAS & POOLS

518-993-5151 Member Since 02/18

Real Estate

STERLING REAL ESTATE GROUP

518-688-2211

Water Systems

One piece fiberglass pools, 28 models to choose from. Quick installation, easy to clean, built in steps and seats, no seams. Available in white or colors. Glimmerglassspas.com

Creative Commercial Financing

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% nancing when the business owner occupies 51% of the subject property:

Your nancial journey starts here - take control today