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Homes
You’ve probably heard the saying; “What you focus on becomes dominant.” That saying crossed my mind as I recently scanned real estate headlines. There were more than the usual amount of discouraging headlines but tucked in between the negatives was some encouraging news; “Local Housing Sales Stronger Than National Sales”, and “4 Weeks of Rising Mortgage Activity”. It sure was nice to see some good news and it made me wonder why more positive reporting isn’t being done.
jefferson-lewis co. NY, Edition Published By LISI MERCHANT SOLUTIONS, INC. Publication Franchisee, RMC David P. L isi
Why not write about the agent who listed and sold a home in just three days? How about asking her to share some of her tips on pricing a house to sell, and the importance of knowing exactly what clients are looking for. Or, how about an article on that young couple down the street who settled for a small apartment for three years so they could save money for a down payment on a house? We could include some wonderful photos of the new home they bought thanks to their foresight and incredibly low mortgage rates. Let’s not forget about the gutsy investor who determined to take back his faltering city David P. Lisi , RMC block. After negotiating some amazing deals on neighboring properties he’s Real Estate Marketing Consultant revitalizing the block house-by-house and generating respectable income. They are all true-life stories that bring much needed hope and encouragement 315-865-5845 • David@dslisi.com in trying times. It does a soul good to focus on the positive, don’t you think? Growing a real estate related business, especially during economically challenging times, has brought us face-to-face with some of the most resilient, remarkable people you’d ever hope to meet. They’re the ones doing the real work of keeping our area moving forward - sometimes simply by shear gut and determination. They’re the face of every Realtor, Investor, For-Sale-By-Owner, Contractor, Manufactured Home Builder, Developer, and community member who continues to invest in the local community. At LifeandHomes and online at LifeandHomes.com, we’re committed to bringing the best of the best together to help with your every real estate need. As you look through this issue and see the wide range of for-sale properties and professional services, I hope you’ll gain a fresh appreciation for this great place we call home and for the gifted people who make it that way. It’s time to focus on the positives.
i David P. Lis
Corporate Editor Kim L isi Kim@dslisi.com
How to Reach Us Press Releases or Letters to the Editor Our e-mail address is Kim@LifeandHomes.com (Please do not send attachments)
Or send to: LifeandHomes Magazine PO Box 18 Holland Patent, NY 13354
Account Executive DAVID P. LISI 315-865-5845 david@dslisi.com
Regional/National Account Executive: Rob Thrasher 315-941-3452
rob.thrasher@gmail.com
Distribution 1.888.260.3343 x2
Media Partners WWTI NEWS CHANNEL 50 myabc.50.com
CYBERVILLAGE
www.CyberVillage.com
Advertising Deadline October Issue September 24, 2010
Corporate Office Lisi Merchant Solutions, Inc. PO Box 18 Holland Patent, NY 13354
315-865-5845 Fax 1-315-865-7418
Northern New York
www.LifeandHomes.com For franchise information call, 315-865-5845 Life and Homes 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.
L i f e and H o m e s
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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 LifeandHomes, Inc.
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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 .
Clock Ticking for
Garage Door Tax Credit
The tax credit eligibility for qualified garage doors will expire on Dec. 31. Now is your last chance to save 30 percent off the price of an energy-saving curb-appeal-inspiring garage door, courtesy of the U.S. government. The savings come from a federal income tax credit, which is more valuable than an equivalent tax deduction, because a tax credit reduces your tax dollar-for-dollar, while a deduction only decreases the amount of income that is taxed. Through the end of this year, the U.S. government is offering up to a $1,500 tax credit for homeowners who buy and install qualifying insulated garage doors. Full details can be found at GarageWowNow.com, a non-commercial home improvement resource dedicated to garage doors and garage door openers. Getting your share of the tax credit A taxpayer may claim a maximum of 30 percent of qualifying home improvement products, and a maximum of $1,500 for qualifying purchases in 2009 and 2010. For example, if you replace two garage doors with two new qualifying insulated doors that cost $1,000 each, you may claim a tax credit of $300 per door, or a total of $600, provided you have not exceeded the $1,500 total over the two years of the tax credit period. (ARA)
Easy Rejuvenation For Summer Weary Grass
3. In early fall, feeding is a simple step, which can be repeated about a month to six weeks later. Feeding grass with a lawn food like Organic Choice Lawn Food will yield great results for minimum effort.
4. Minimum balance fees Your bank may require a minimum balance in your account – charging a fee for slipping below. Side-step this by carefully matching your situation with the account requirements. For instance, look for an account that waives fees for directly depositing your paycheck, or find an account with no minimum balance requirement.
4. Leaves are your lawn’s best friend. Use your lawnmower to “mulch” leaves into dime-sized pieces, then top with winter lawn food.
5. Fine print fees Are you charged a fee for monthly account maintenance? Does that monthly paper bill cost extra? It pays to sweat the small stuff and fully understand what your bank is charging you. (ARA)
5. Keep your mower on the highest setting to encourage root growth deep into the soil to lock out weeds. Keep mowing to summer height until grass stops growing. (ARA)
Home Prices
Bank Fees You Should
Never Pay
If you’re tired of getting nickeled and dimed by your bank, it’s time to switch. “Stopping useless fees forever is a smart way to make your money go further,” says J.J. Montanaro, a certified financial planner with USAA. If you’re paying these five fees, it’s time to look for a bank that doesn’t charge them. 1. Overdraft fees New legislation requires financial institutions to notify customers of their options on overdraft fees. Some banks – like USAA – have eliminated overdraft fees on ATM and debit transactions entirely. 2. ATM fees ATM fees may seem nominal, but they can add up quickly. Take advantage of fee-free, cash-back options offered at grocery or convenience stores when making a purchase, or switch to a bank that reimburses you those fees.
Predicted to Inflate
The housing market continues its effort for recovery under the pressure of the sagging economy. Lawrence Yun, chief economist for the National Association of Realtors reports that home prices will go up by 4 percent in 2010, as home resales will continue on the upswing as the the market tries to recover. He foresees that home resales will reach 5.7 million next year, a rise from a projected 5 million in 2009. According to the AP, “He sees unemployment peaking at 10.5 percent before dropping down to around 9 percent this time next year.” Mortgage rates, in the interim, will average approximately 5.7 percent. (CaymanMama.com)
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L i f e and H o m e s
1. Bare and thin spots provide an opportunity for weeds to get a foot-hold on your lawn. To fill in bare patches in a smaller area, apply
2. Be sure to feed your grass. Use compost, an organic or conventional lawn food – avoid all-purpose fertilizers labeled for gardening on your grass. Always use fertilizers labeled for grass.
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With these simple tips, you can ensure an inviting gathering space for next year.
Scotts EZ Seed, an all-in-one seeding mix, fertilizer and mulch.
3. Check fees Switch to paying bills electronically. This usually fee-free service allows you to pay bills anytime and anywhere without paying for checks.
September
As summer winds down, heat and drought may have left your grass a little tired. Luckily, because of cooler temperatures and an increase in precipitation, fall is the best time for lawn rescue.
newsShorts
Technology Advances Home Improvement Projects Home remodeling projects can become overwhelming to even the most experienced DIYers. By doing the proper research and using these new resources, homeowners will find that technology can make home improvement projects faster, and more painless and precise. Virtual design tools While some homeowners have a natural instinct and vision for how they want their homes to look, others need a little guidance. With seemingly limitless options, a homeowner could come up with literally millions of color and style combinations. The tools to narrow in on the perfect elements are crucial. Lumber Liquidators, the largest specialty retailer of hardwood flooring in the United States, recently created the “Room Designer” on its website for homeowners to view different varieties of floors within a number of different types of rooms and setups. Users can swap out the flooring, change the cabinet and wall colors, save their designed rooms and even e-mail the combination to themselves or friends. The site also allows visitors to view before and after pictures from actual customers in order to get ideas for their own homes. Visit LumberLiquidators.com to begin. (ARA) Northern New York
Laminate Floors-
‘Real’ Wood Alternative
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You love the look of natural wood flooring but are afraid to install hardwood because you know the floor will take a beating from the kids, dogs and the heavy day-to-day traffic all too common in modern family life. 4
We br i n g p e o p l e a n d h o m e s t o g e t h e r .
newsShorts But you don’t have to sacrifice high style looks for boring sensibility when considering a new flooring option in your home - not if you choose laminate, that is. Today’s best laminates combine the realistic grain and texture of wood with high durability and scratch and indentation resistance that “authentic” wood floors don’t provide, according to Jeff Katz, director - laminate for Tarkett Residential, a leading provider of innovative and sustainable flooring. And not only are today’s laminates available at a fraction of the cost of real wood floors, but they’re right in sync with the latest designs. “There’s always a new decorating trend around the corner,” Katz says. “It’s imperative for manufacturers to respond to market demand, keeping up with the most up-to-date trends to ensure consumers are getting the latest in style and design, as well as technology.” One such line is Tarkett’s Trends laminate, a durable new collection featuring eight of the hottest flooring designs, including Old Worldinspired antique-stained planks and soft, hand scraped wood grains. Colors and styles in this line will continually rotate out with new introductions to give homeowners the newest, most popular looks in flooring, ultimately providing them with the high style of premium wood floors without the fuss. “That’s the beauty of laminate products,” Katz says. “They’re the new normal - great-looking products that deliver great performance at a great value. When shopping for laminate products consumers should look for flooring that is engineered with sturdy inner core board layers - preferably ones that deliver high impact resistance (at least an IC3 rating). This type of rating helps provide excellent indentation resistance, and when combined with highly rated top surface protection (AC3 or better) kids and pets can run and play freely on laminate floors without making a dent or marring up the surface’s good looks. As a result, laminate flooring is so durable versus real wood products that some laminates come with up to a full lifetime warranty. What’s more, creating a laminate flooring transformation in your home is a relatively simple DIY project. Many of today’s new laminate floors
come in easy-to-install planks that simply snap together without the need for messy glue or nails to pound. Laminates can even be used over several types of existing flooring, often eliminating the need for costly sub-floor preparation. For more information, visit www.tarkettna.com. (ARA) Owners will spend more than $1 billion on pet insurance by 2010 to pay for things like root canals, antidepressants & grief counseling for their pets. (IIABA) FASTEST GAME OF OPERATION The fastest time to complete the game of Operation was 21.87 seconds achieved by Maharoof Decibels (India) at the Guinness World Records Pavilion in Global Village, Dubai, UAE, on 28 November 2008.
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Brite Orange Realty
8440 Willow Street Evans Mills, NY 13637 Tel: 315-629-2200 Cell: 315-380-8784 www.BriteOrange.com briteorangedan@gmail.com
The Time You Spend With Us Will Change Where You Live
philadelphia is a small, friendly village on the Indian River in a very desirable school district. The village provides municipal power at a very reduced rate compared to national electric and gas providers. There are several homes available with varying highlights to each including waterfront property. if you are looking for a home in the fT drum area you need to consider philadelphia and the beautiful homes we currently have on the market. Call for a showing today.
315-380-8784 Dan McIlroy
87 main St philadelphia, nY
$168,000
mLS #S234234
16 antwerp St philadelphia, nY
$180,000
mLS #S238549
Beautiful, recently remodeled georgian Colonial in village. original hardwoods and molding. Treed perimeter creates sense of privacy. gathering on huge screen porch likely a daily activity. Unique butlers entrance in rear of house. Spacious 2 car detached garage. Could potentially qualify for historic site and grants associated with such. Charming Victorian home with many modern updates, hardwood and laminate floors throughout. roof and vinyl windows less than 10 years old. newly renovated kitchen, all appliances, fuel oil furnace and tank less than 3 years old. Wonderful renovated sunroom with all new side sliding vinyl windows, ceiling fan and pellet stove.
34774 US route 11 philadelphia, nY
$179,000
mLS #S240175
31 main St philadelphia, nY
$144,900
mLS #S226521
Beautiful secluded , landscaped retreat on the indian river. Cleared shoreline and dock on deep portion of river. price reduced by aggressive seller. Home also has a rental unit (trailer) next door that currently produces $7200 annually. must see this lot to appreciate.
nice philadelphia village home close to ft . drum and local schools. This 5 bedroom home has a first floor bedroom that could be office with separate entrance and bathroom. formal dining room. four large bedrooms on second floor. all original hardwoods and molding inside. detached garage and cement patio off of the back of the home.
WWW.LAKEONTARIOREALTY.COM “No one knows the lake country like US!” Free Market analysis! Call US today, we can show you aNY property listed with aNY company! Now is a great time to buy! email or Text!
12396 NYS Rte 12e, Chaumont, NY 13622
April Marvin
Lic. R.E. Salesperson
(315) 778-8042 • April@LakeOntarioRealty.com Watertown
3 Bed/2 Bath Split Level home on 5.14 acre lot with finished basement, eat-in kitchen, vinyl siding and attached garage. In-ground pool also!
Un-imaginable dream piece of property here! one of the last larger lakefront parcels, we are offering for sale 57 acres of land with over 900` of waterfront and around 1200` of total shoreline which includes a little peninsula! The potential here is amazing!
Beautiful wood lot on Lake ontario build your dream cabin or house.100ft of Waterfront with dock great for fishing boating or swimming it is located in Sackets Harbor on very private road.
Watertown
$139,900
Beautiful 4 bedroom home in Watertown with finished attic as game room. Fenced yard. Unbelievable privacy in the backyard. open layout and large bedrooms must see today
www.Life and Homes .com
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L i f e and H o m e s
Sacketts Harbor $49,900
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Three Mile Bay $399,000
September
$269,900
newsShorts
Top Ways to Add Warmth to Your Home in the Fall Just as animals use the fall to prepare for winter, now’s the perfect time to transform your home into a cozy nest where your family and friends will love to gather. Ginny Bean, publisher of Ginny’s catalog, suggests the following simple decorating touches to add seasonal warmth. * Put out the welcome mat - literally. Make visitors feel welcome from the moment they step through your door. Decorate your front door with a seasonal accent and an attractive mat. * A crackling fire naturally draws people to it. Rearrange your furniture to create a conversation area around your hearth. If your home doesn’t have a built-in fireplace, there are a number of attractive electric fireplaces on the market that provide warmth with no mess or outside vent. Some even hang right on the wall. * Light the candles. Choose candlesticks in metallics (gold is popular now) or in warm colors. For a unique look when entertaining, Bean suggests making your own votives from apples or gourds with a votive carver.
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Northern New York
* Bring the beauty of outside, in. Add richness to your home by using fall’s palette of warm colors. Select fabrics and accessories in warm shades of browns, reds, oranges and yellows. Increase the feeling of coziness by adding layers - think table runners on top of cloths or rugs over carpets - and texture in the form of nubby throws and pillows scattered throughout the room. * Drape your home in warmth. Now is also the time to replace the summer sheers for more substantial curtains, which can keep out drafts and add color and texture to a room. For added energy savings, check out the variety of thermal window treatments available. 6
We br i n g p e o p l e a n d h o m e s t o g e t h e r .
* Think back to black. A touch of black can add sophistication to your home decor. Use it sparingly though, perhaps in a few picture frames, a ceramic vase or a throw or pillows, because too much black can make the room look dreary. * Continue the theme with decorative accents inspired by nature. Brighten the mantel with a swag of fall flowers and leaves or use artificial flowers to make your own autumn centerpiece. Bean likes to use mums or natural dried grass
in unexpected containers such as baskets, terra cotta pots or chipped china pitchers or bowls. Scatter a few gourds, ceramic pumpkins or a leaf-shaped accent piece throughout the room to complete the look. Ginny’s catalog is dedicated to showcasing fun and unique items for everyday life. The Fall 2010 catalog includes more than 100 pages of products for the home, yard, kitchen and beyond, including housewares, appliances, furniture and accessories. You can also find seasonal recipes, and helpful tips at www.Ginnys.com. To request a catalog or place an order, visit www.Ginnys.com or call (800) 693-0809. (ARA)
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Open Market Listing Service™
LifeandHomes.com
Adams
$267,000 18466 Cty Rte 189 - Riding Stables
Cape Vincent
40 Acres
0.81 Acres
For more details visit www.LifeandHomes.com Type in Quick Search #41750
For more details visit www.LifeandHomes.com Type in Quick Search #41044
June E. O'Brien • 315-788-4444
Allen Walker • 315-771-8189
Coldwell Banker-Rimada Realty Lic. R.E Salesperson • june.obrien@coldwellbanker.com
Home Loan Solutions • Northern FCU • 315-771-4783
Alexandria Bay
$750,000
$110,000 27738 Dablon Point Road
Bowes Realty
Lic. R.E Salesperson • Bowes@twcny.rr.com
Home Loan Solutions • Northern FCU • 315-771-4783
Cape Vincent
$119,900
71 Anthony Street
273 E James St
Prime Development Property
3 Bedrooms / 1.5 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #33015
For more details visit www.LifeandHomes.com Type in Quick Search #33793
Deborah Schaefer • 315-836-3578
Allen Walker • 315-771-8189
Front Porch Realty
LIc. R.E. Broker • debbie@thousandislandhomes.com
Home Loan Solutions • Northern FCU • 315-771-4783
Alexandria Bay
Bowes Realty
Lic. R.E Salesperson • Bowes@twcny.rr.com
Home Loan Solutions • Northern FCU • 315-771-4783
$474,900 19597 Collins Landing -Waterfront
Cape Vincent
5 Bedrooms / 3.5 Baths
4 Bedrooms / 2.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41642
For more details visit www.LifeandHomes.com Type in Quick Search #32976
Chuck Burlingame • 315-771-3421
James Wiley • 315-778-1360
Bowes Realty
Lic. R.E Salesperson • ctbbowesr@yahoo.com
Home Loan Solutions • Northern FCU • 315-771-4783
Alexandria Bay
$89,000
$230,000
346 James Street
Bowes Realty
Agent • jameslwiley@tds.net
Home Loan Solutions • Northern FCU • 315-771-4783
Cape Vincent
$119,500
90 Walton Street
2672 Ponds Shores
3 Bedrooms / 2.5 Baths
2 Bedrooms / 1.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41543
For more details visit www.LifeandHomes.com Type in Quick Search #41879
Betty Bork • 315-404-8242
James Wiley • 315-778-1360
Century 21 Millennium Realty Licensed Associate Broker • bbork@nnymls.com
Agent • jameslwiley@tds.net
Home Loan Solutions • Northern FCU • 315-771-4783
Brownville
Bowes Realty
$169,900
Home Loan Solutions • Northern FCU • 315-771-4783
Cape Vincent
$200,000
208 Brown Blvd
32322 State Route 12E
3 Bedrooms / 1.5 Baths
2 Bedrooms / 1.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #33946
For more details visit www.LifeandHomes.com Type in Quick Search #33531
Judy A. Condino, GRI • 315-405-8127
James Wiley • 315-778-1360
Condino Realty NY, LLC Lic. R. E. Broker • jcondino@twcny.rr.com
Home Loan Solutions • Northern FCU • 315-771-4783
Bowes Realty
Agent • jameslwiley@tds.net
Home Loan Solutions • Northern FCU • 315-771-4783
Lisa Watson
September
Licensed Real Estate Salesperson Rimada Realty
Rimada Realty
1063 C Arsenal Street Watertown, NY 13601 (P) 315-788-4444 (F) 315-788-5235 Phone: 315-286-9682 Email: MLBJS5@hotmail.com
Visit our website anytime www.lakeshorehardwoods.com
266 Manwaring Road, Pulaski, NY 13142 • 315-298-6407 www.Life and Homes .com
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L i f e and H o m e s
We Stock
KILN DRIED cherry, walnut, maple, butternut, ash, oak, exotics and woodworking supplies
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hardwood flooring • stair parts • molding
LifeandHomes.com Cape Vincent
Open Market Listing Service™ Clayton
$158,900
694 South James Street
$375,000 41573 Kehoe Tract Road
3 Bedrooms / 2.0 Baths
1.05 Acres w/ Private Right-of-Way
For more details visit www.LifeandHomes.com Type in Quick Search #41880
For more details visit www.LifeandHomes.com Type in Quick Search #41899
James Wiley • 315-778-1360
Katharine Dickson • 315-783-2104
Bowes Realty
Front Porch Realty
Agent • jameslwiley@tds.net
Licensed R.E. Agent • kdicksonfrontporch@gmail.com
Home Loan Solutions • Northern FCU • 315-771-4783
Carthage
Home Loan Solutions • Northern FCU • 315-771-4783
Constableville
$165,000
21378 County Route 47
3708 Sweeney Road
3 Bedrooms / 2.0 Baths
2 Bedrooms / 1.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41758
For more details visit www.LifeandHomes.com Type in Quick Search #41546
June E. O'Brien • 315-788-4444
Barbara Dunn • 315-337-1677
Coldwell Banker-Rimada Realty
Barbara Dunn Rlty
Lic. R.E Salesperson • june.obrien@coldwellbanker.com
Broker/Owner • dunrealt@aol.com
Home Loan Solutions • Northern FCU • 315-771-4783
Carthage
Home Loan Solutions • Northern FCU • 315-771-4783
Constableville
861 State Street
$153,900
$127,000 3706 Sweeney Road / 15 Acres
3 Bedrooms / 1.5 Baths
3 Bedrooms / 1.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41351
For more details visit www.LifeandHomes.com Type in Quick Search #41545
George Briggs • 315-782-8498
Barbara Dunn • 315-337-1677
Elliott Realty, Inc.
Barbara Dunn Rlty
Lic. R.E Salesperson • georgebriggsrealestate@hotmail.com
Broker/Owner • dunrealt@aol.com
Home Loan Solutions • Northern FCU • 315-771-4783
Chaumont
Home Loan Solutions • Northern FCU • 315-771-4783
Copenhagen
$219,900
10014 NYS RTE 12
3 Bedrooms / 2.0 Baths
4 Bedrooms / 2.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41656
For more details visit www.LifeandHomes.com Type in Quick Search #41541
Amanda Miller • 315-649-3434
Nancy Rome • 315-493-2134
Rome RSA Realty L.L.C.
Lic. R.E. Broker • lakeontariorealty@yahoo.com
Lic. R.E. Broker/Owner • nrome@twcny.rr.com
Home Loan Solutions • Northern FCU • 315-771-4783
Home Loan Solutions • Northern FCU • 315-771-4783
Clayton
$246,000 Ledgewood Lane - Building Lot
Dexter
4.09 Acres
5 Bedrooms / 2.5 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41906
For more details visit www.LifeandHomes.com Type in Quick Search #41757
Allen Walker • 315-771-8189
June E. O'Brien • 315-788-4444
Coldwell Banker-Rimada Realty
Lic. R.E Salesperson • Bowes@twcny.rr.com
Lic. R.E Salesperson • june.obrien@coldwellbanker.com
Northern New York
Home Loan Solutions • Northern FCU • 315-771-4783
Home Loan Solutions • Northern FCU • 315-771-4783
Allen Walker
Licensed R.E. Salesperson Bowes Realty
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Allen is a native of Watertown, NY, after four years of military service in the US Coast Guard. A homeowner in Clayton and Cape Vincent for 30 years, he is very familiar with the Lake and St. Lawrence River area. Retired from Niagara Mohawk, Allen works his real estate career full time and is always available to be of service.
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."
Q Log Homes Q Timber Frame Construction Q Fireplaces Q Basements Q Decks Q Custom Kitchens Q Additions
Q General Contracting Q Carpentry Q Plumbing Q Masonry Q Roofing Q Electrical work
START LIVING YOUR DREAM TODAY!
Call Dean Case 315-942-4949 • Cell 315-534-3319 • Fax 315-942-2527
Phone: 315-771-8189 Email: bowes@twcny.rr.com 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 .
$298,300
18700 Evans Road
Bowes Realty
L i f e and H o m e s
$149,900
29411 County Rt 179
Lake Ontario Realty
8
$99,900
Adirondack Builders, Inc. is an independently owned and authorized dealer/builder for Tennesee Log Homes.
We would like to thank everyone for a wonderful year in Real Estate! If you are thinking of listing your home or want to buy please feel free to call us at 315-493-2134, we are full time Realtors and available 7 days a week. Welcome home the 3rd BCT from Afghanistan and the Apache Unit to Fort Drum ROME RSA REALTY LLC
315 493 2134 located at 11006 State Rte 26, Carthage, NY
Rodman
Great Bend
189,000
13115 County Route 156
$154,900 25083 County Route 197
3 Bedrooms / 2 Baths
3 Bedrooms / 1.5 Baths
This home sits on a wonderful lot. approximately 5 acres with two stocked trout ponds. 2 Car detached garage.New wood stove to enjoy in the open living room with vaulted ceilings.Sliding glass doors that lead to a porch that overlooks the ponds and woods! Go to nnymls.com and Type in MLS#S221137
Wonderful 3 bedroom home close to Ft. drum, shopping, and schools. Large living room and dining room. New paint throughout, new boiler system and security system installed. Welcoming front porch. detached 2 car garage. Go to nnymls.com and Type in MLS#S238183
Evans Mills
Redwood
$119,900
$179,000
8737 Factory S
28549 Elm St
3 Bedrooms / 1.5 Baths
4 Bedrooms / 2 Baths
Minutes to Ft. drum!Screened-in porch as you enter that`s great to enjoy the summer months open floor plan. Living room is cozy and opens to a nice dining room that has a comforting gas fireplace.open kitchen/dining area has a nice bar area as well. Go to nnymls.com and Type in MLS#S239977
**1 Year Free Home Warranty Included** Great 4 bedroom 2 full bath home approximately 20 min. to Ft. drum Beautiful kitchen was skillfully created by local amish. Lots of cabinets and counter space. Newer appliances included as well. Go to nnymls.com and Type in MLS#S238760
Watertown
$164,900
919 Academy St 4 Bedrooms / 2 Baths enter through the enclosed porch to a large 4 bedroom, possibly 5 bedroom home. Lots of updates to include a remodeled kitchen and bathroom. Kitchen features all new cabinets, countertops, appliances, and flooring. Mudroom at the back. Go to nnymls.com and Type in MLS#S232230
Carthage 35892 Line School Rd $229,900 MLS S240003
Lisa Watson Lic RE Salesperson
Felts Mills 30139 Burnash ave $110,000 MLS S229758
Watertown 942 Salina St $174,900 MLS S234584
Rimada Realty
Coldwell Banker Military Markets Specialist
1063 C Arsenal Street Watertown, NY 13601 (P) 315-788-4444 (F) 315-788-5235
(P) 315-286-9682 (E) MLBJS5@hotmail.com (W) softmls.com/realtorwatson
Thousand Island Area Property $750,000 • Anthony Street • Alexandria Bay
Prime development property! 240’ St. Lawrence River waterfront with 440’ of dockage. Two acre property with a 24 unit seasonal motel with good repeat business located directly across from fabulous Boldt Castle. There are an additional 3 acres with more waterfront available. What a terrific spot for condos or townhouses, or even a private estate or several single family homes. All utilities are there including public sewer and water. Few parcels of this size and location come available on the river. Listing agent is part owner.
$1,200,000 • 71 Anthony Street • Alexandria Bay
Gorgeous view of Boldt Castle and the main channel from the property with development potential. Includes “boat house studio apartment”, plus 3 motel type rentals, 2 boaters baths, large waterside deck, and two-three bedroom two bath floating houses which can be used year around. There is plenty of good sheltered dockage and the property has access to public sewer and water.
$125,000 • Orleans Ave • Fishers Landing
www.Life and Homes .com
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L i f e and H o m e s
Summer and Winter Get-A-Way! Can’t afford to be on the river? Immaculate mobile with 12 X 12 dining room addition with waterview and free use of the waterfront for swimming and fishing. Custom kitchen new in ‘08, new windows and 3 decks (2 covered). Marinas nearby for dockage. Large landscaped lot and a detached garage plus a storage shed for all you lawn equipment. Well maintained and ready for you to move into; Seasonal or year around. The taxes are cheaper than most mobile home parks.
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42781 NYS Route 12 Alexandria Bay, NY 13607 (315) 836-3578 Office (315) 836-3539 Fax (315) 778-9280 Cell DEBBIE@THOUSANDISLANDHOMES.COM WWW.THOUSANDISLANDHOMES.COM
September
Deborah Schaefer, GRI, CBR LIC. R.E. BROKER/OWNER
“No one knows the lake country like US!”
Free Market Analysis!
Amanda J. Miller Licensed R.E. Broker
315.778.1191
$399,900
dexter Come see this spacious 4-5bed/2.5 bath home boasting 150’ of pristine waterfront! Home has brand new gorgeous wood burning FP, cherry hardwwod, granite countertop, 2 car garage & so much more. call today! Call amanda Lic. R. e. Broker @ 315-778-1191 MLS#S239711
“The Name You Know & Trust in Real estate”
$245,000
$169,000
Historic 6 Bedroom Victorian Three Mile Bay Historic and tastefully renovated 6 bed/3Bth home in the heart of lake country! over 3400SF of living space, many original features, cupola, landscaped gardens, fenced yard, pub water and a carriage house! a must see! Call Gail Miller, Lic. R.e Salesperson 315-767-3084 $245,000 MLS #S237690
$219,900
Beautiful Country Cape Cod Home
Spectacular Waterfront Lakehome!
Charming Montonna Shores Cottage! Three Mile Bay 2Bed/2bath cozy cottage recently updated w/hickory cabinets, knotty pine, new carpet, siding,roof, decks,shed and more! Limestone seawall, gorgeous area and rare 80X280 lot w/ no road between! Call amanda Lic. R. e. Broker @ 315-778-1191 MLS# S238269
$185,000
Copenhagen- 2000 SF 3Bed/2.5Bath home is as charming as can be and has an awesome 3 car garage, beautiful hardwood floors, vaulted ceilings, a wonderful kitchen w/ breakfast bar, absolutely beautiful! The Home sits on a nicely landscaped lot with beautiful shade trees to enjoy a summer day. Call today! Call amanda Lic. R. e. Broker @ 315-778-1191 MLS #S238705
Charming Victorian Sackets Harbor - Charming Victorian village home just a few blocks from downtown Sackets! 1700 SF 3bed/1bath home that has been tastefully renovated, boasting original hardwood floors, gorgeous bath w/spa tub, custom tile spacious country kitchen w/walk-in pantry, lg. mud/laundry rm, heated 2 story garage. Call amanda Lic. R. e. Broker @ 315-778-1191 MLS#S230191
(P) 315-649-3434 (F) 315-649-3436 12396 NYS Rte. 12E, Chaumont, NY 13622 • WWW.LAKEONTARIOREALTY.COM
Alexandria Bay
19597 Collins Landing 5 Bedrooms/5 Baths
Featured Home $474,900
Charles Burlingame Lic. R. E. Salesperson
Cell: 315-771-3421 Office: 315-686-3315
L i f e and H o m e s
For more information go to www.nnymls.com and type in MLS # S226560 10
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 .
BoWES rEaLTY, LLC
RIMADA REALTY
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Northern New York
Price redUced! Fantastically built, one owner mainland year-round home on shipping channel. Protected deep water dockage with good swimming area. Both the dock and wraparound deck on the home are redwood & cedar. Custom kitchen cabinets & Corian countertops. Built in oven and triple stainless steel sink. Large great room, sliders to deck and river views. All large bedrooms with lighted closets & lots of storage space. Marble windowsills, ceiling fans in each room. Walkout basement has area where you can store small boat, jet ski and fish cleaning sink. 4 zone heat with electric backup in each room. Great natural light, river views in each room.
2400 Sunset Ave Utica, NY 13502
(P) 797.2400
Built by:
New Hartford 2A King Fisher Lane Truly a masterpiece built with the finest materials and impeccable craftsmanship. extremely energy efficient. Unlike any other home of its kind, a must see! MLS#1002067
Alexander Sen
www.Life and Homes .com
11
L i f e and H o m e s
Senshine Real Estate LLC (C) 725.7167
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Licensed Real Estate Broker
$959,900 September
Brought to market by:
• Situated on 1.7 Acres • 2,700 Sq ft ranch style home • 2,900 Sf ft lower level with walk out • 1,200 Bonus space 2nd flr. • Radiant heating • Oversized 2 stall garage heated, finished, 12ft cedar doors • Veranda, cedar decks, • 2 Fireplaces • Integrated audio/visual system • Oversized master bath
$179,900 (315) 405-8127 judy A. condino, Gri
Licensed Real Estate Broker 1035 B Coffeen Street Watertown, NY 13601 www.condinorealty.com Cell: 315-408-5968 jcondino@twcny.rr.com
$139,900 • Mls #s240058
$169,900 • Mls #s238353
17707 co. rte 65, watertown
522, d-1 weldon drive, watertown
• 4 Bedroom, 2 full bath • Large eat-in kitchen • Sunken LR w/ wood fireplace, central vac • 2.10 acres Call Judy Condino, Lic. R.E. Broker 315-408-5968
Northern New York
T AC TR N O IN C
• 2 Bedroom, 2 full bath, Townhome • LR w/ gas fireplace • First floor laundry • Second floor loft & storage area • Two stall garage w/ many built-ins • Central air Call Donald Rickett, Lic. R. E. Agent 315-775-6622 T AC TR N O IN C
ET RK
MA N
O CK
BA
$174,900 - Mls # s239509 522, B-1 weldon drive, watertown
$24,900 - Mls #s237448 county route 59, dexter
CT RA T N CO
L i f e and H o m e s
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IN
$169,900 - Mls # s223108 208 Brown Blvd, Brownville
$9,900 - Mls # s238489 28/29 starbuck Avenue, watertown 12
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 .
$150,000 - Mls # s227065 22765 Us route 11, watertown
Open Market Listing Service™
LifeandHomes.com
Forestport
$75,500 2433 Little Beaver Lake Road W
Harrisville
2 Bedrooms / 1.0 Baths
3 Bedrooms / 1.5 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #33481
For more details visit www.LifeandHomes.com Type in Quick Search #41851
Elizabeth Miller • 315-796-3910
Nancy Rome • 315-493-2134
Century 21 Gentry Realty
Rome RSA Realty L.L.C.
Agent • liz.miller@century21.com
Lic. R.E. Broker/Owner • nrome@twcny.rr.com
Home Loan Solutions • Northern FCU • 315-771-4783
Forestport
$59,900
186 Osborne Rd
Home Loan Solutions • Northern FCU • 315-771-4783
Lisbon
$74,900
$279,000
7051 Walnut Road
47 Sparrowhawk
3 Bedrooms / 2.0 Baths
2 Bedrooms / 1.5 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #33068
For more details visit www.LifeandHomes.com Type in Quick Search #41643
Phyllis Chase • 315-942-3361
Carol Adler • 315-778-4457
Century 21 Gentry Realty
Century 21 Millennium Realty
Agent • phyllis.chase@century21.com
Lic. R.E Salesperson • gcadler@northnet.org
Home Loan Solutions • Northern FCU • 315-771-4783
Gouverneur
Home Loan Solutions • Northern FCU • 315-771-4783
Lyme
120 Beckwith
$74,500
$169,000 27127 Montonna Shores Rd North
3 Bedrooms / 1.0 Baths
3 Bedrooms / 2.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41388
For more details visit www.LifeandHomes.com Type in Quick Search #41715
Betty Bork • 315-404-8242
Amanda Miller • 315-649-3434
Century 21 Millennium Realty
Lake Ontario Realty
Licensed Associate Broker • bbork@nnymls.com
Lic. R.E. Broker • lakeontariorealty@yahoo.com
Home Loan Solutions • Northern FCU • 315-771-4783
Gouverneur
Home Loan Solutions • Northern FCU • 315-771-4783
Morristown
181 Grove Street
$86,700
$195,000 26 Dockside Drive - Waterfront Condo
3 Bedrooms / 1.0 Baths
2 Bedrooms / 1.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41544
For more details visit www.LifeandHomes.com Type in Quick Search #41397
Betty Bork • 315-404-8242
Debra Roberts • 315-796-2830
Century 21 Millennium Realty
Coldwell Banker Prime Properties
Licensed Associate Broker • bbork@nnymls.com
Lic RE Associate Broker • debra.roberts@coldwellbankerprime.com
Home Loan Solutions • Northern FCU • 315-771-4783
Harrisville
Home Loan Solutions • Northern FCU • 315-771-4783
Copenhagen
$35,900
$159,900
14138 South Shoure
2020 County Route 194
Building Lot- 5.4 Acres
3 Bedrooms / 2.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41402
For more details visit www.LifeandHomes.com Type in Quick Search #41405
Larry Boliver • 315-346-6015
James Conlin • (315) 681-6914
Byrns Realty
All American Real Estate
Licensed RE Agent • lyboliver@frontiernet.net
Lic RE Broker/Owner • James_Conlin1@hotmail.com
Home Loan Solutions • Northern FCU • 315-771-4783
Attention Homeowners
Year Round Management Services
■
I Can Handle it All, From Move In to Move Out Credit Checks, Tenant Issues, Emergencies 24 Hour Maintenance Available 10 Years Experience Dependable
315-649-2709 • jennpropmgmt@gmail.com www.Life and Homes .com
13
L i f e and H o m e s
Contact Jenn
September
Jenn's Property Management
Home Loan Solutions • Northern FCU • 315-771-4783
LifeandHomes.com
Open Market Listing Service™
Chenango Cty
$450,000 Chenango Cty Equine Facility
Sackets Harbor
4 Bedrooms / 2.0 Baths
3 Bedrooms / 1.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41533
For more details visit www.LifeandHomes.com Type in Quick Search #41749
David Posson • 607-316-3758
Kathy Cook • 315-629-5770
Posson Realty
Broker/Owner • possonrealty@frontiernet.net
Home Loan Solutions • Northern FCU • 315-771-4783
Chenango Cty
4 Bedrooms / 2.0 Baths
Post & Beam
For more details visit www.LifeandHomes.com Type in Quick Search #41534
For more details visit www.LifeandHomes.com Type in Quick Search #33356
David Posson • 607-316-3758
Al Roy • 315-458-4256
Home Loan Solutions • Northern FCU • 315-771-4783
Greene County
Custom Home Masterpieces, Inc. 0 • alroy@twcny.rr.com
Home Loan Solutions • Northern FCU • 315-771-4783
Theresa
4 Bedrooms / 2.0 Baths
2 Bedrooms / 2.0 Baths - Waterfront Access
For more details visit www.LifeandHomes.com Type in Quick Search #41532
For more details visit www.LifeandHomes.com Type in Quick Search #33529
David Posson • 607-316-3758
Jocelyn Merritt • 315-482-8670
Broker/Owner • possonrealty@frontiernet.net
Home Loan Solutions • Northern FCU • 315-771-4783
Pamelia
$269,000
$142,500
41763 Clear Lake Road
Garlock Realty
Lic. R.E Salesperson • jocelyn_merritt@yahoo.com
Home Loan Solutions • Northern FCU • 315-771-4783
Three Mile Bay
$119,000
25030 Co. Rte. 53
6921 Failing Shores
3 Bedrooms / 2.0 Baths
2 Bedrooms / 1.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41518
For more details visit www.LifeandHomes.com Type in Quick Search #33183
April Marvin • 315-778-8042
James Wiley • 315-778-1360
Lake Ontario Realty
Lic. R. E. Salesperson • april@lakeontariorealty.com
Home Loan Solutions • Northern FCU • 315-771-4783
Rutland
$110,000
Bowes Realty
Agent • jameslwiley@tds.net
Home Loan Solutions • Northern FCU • 315-771-4783
Three Mile Bay
30139 Burnash Ave
$379,000 28467 BayView Drive - Lakefront
3 Bedrooms / 1.0 Baths
3 Bedrooms / 2.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41398
For more details visit www.LifeandHomes.com Type in Quick Search #33915
Lisa Watson • 315-286-9682
Amanda Miller • 315-649-3434
Coldwell Banker-Rimada Realty Lic. R.E Salesperson • MLBJS5@hotmail.com
Home Loan Solutions • Northern FCU • 315-771-4783
Northern New York
Custom Built Homes
$350,000 Greene County Gentlemans Farm
Posson Realty
Doris Olin
Lic. R.E. Associate Broker Coldwell Banker Rimada Realty
A Watertown native having been born and raised here. My real estate career started upon graduation from high school first, a work field of doing Abstracts of Title, I had my own tax business for over 20 years & did accounting for several businesses in the area. Raising 4 children with my husband & now enjoying our 9 grand-children. We have been summer residents of Wellesley Island since the 60’s. We also owned our own business there. In 1985 I started selling Real Estate again & have been a top listing & selling agent with Coldwell Banker Rimada Realty since that time.
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Lic. R.E Agent • maycie5770@aol.com
Home Loan Solutions • Northern FCU • 315-771-4783
Syracuse
Broker/Owner • possonrealty@frontiernet.net
L i f e and H o m e s
Century 21 Millennium Realty
$350,000 Chenango County Dairy Farm
Posson Realty
Phone: 315-783-8241 Email: dolin@gisco.net
14
$188,000
316 Dodge Avenue w
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 .
Lake Ontario Realty
Lic. R.E. Broker • lakeontariorealty@yahoo.com
Home Loan Solutions • Northern FCU • 315-771-4783
June O'Brien
James Wiley
Lic. R.E. Salesperson Coldwell Banker Rimada Realty
Licensed R.E. Assoc. Broker Bowes Realty
Whether buying or selling I would be glad to assist in your real estate needs. Specializing in residential and seasonal properties. Military Relocation Specialist.
Bowes Realty is the oldest active Real Estate Agency in the Thousand Islands Area.
Phone: 315-778-2508 Email: june.obrien@coldwellbanker.com
Bowes Realty: 315-686-3315 Phone: 315-778-1360 Email: jameslwiley@tds.net
MLS#S235520
MLS#S229213
MLS#S232963
MILLENNIUM REALTY Watertown
Gouverneur
$93,000
$74,500
Beautiful Cape Cod that has many features.The kitchen has many cupboards and is eat-in.Very nice dining room, larger living room. Master bedroom on main floor.Two bedrooms upstairs. Bathroom downstairs. Partial cellar is under garage.Very large back yard.
Very nice 2 Unit for sale with large yard. Being sold as is. Has a horse barn in back for lots of storage. This is a nice income property, live in one and let the other pay your mortgage. Call for your appointment today!
MLS#S233392
Gouverneur
A name that everyone has come to trust!
$86,700
Newly remodeled home for sale. Wonderful layout. 3 bedrooms, 1 full bath, full basement with work area, storage sheds in backyard. Nice sized yard. Call for your appointment today!
Betty Bork Associate Broker 404-8242 cell
MLS#S239142
MLS#S239909
bbork@nnymls.com For more information on any of these homes, visit
www.c21nny.com and type in the MLS# Alexandria Bay
$89,000
Philadelphia
Wow! Motivated seller, just reduced price! Now being sold way under assessed value. Wonderful village home for sale being sold as is. 3 Bedrooms, library, living room,laundry room, 2.5 baths, lots of closet space, 2 stall garage with extra rooms above.
$237,500
Attractive ranch home 10 miles from Fort Drums main gate. Great 30X40 garage capable of holding up to 4 cars. Also includes a large 16X18 storage shed. Kitchen is fully applianced. Living room has a beautiful cobblestone fireplace. 2 large bedrooms have w/w carpeting.
Oswegatchie
$210,000
If an Auto Repair Shop is what you are looking for, then I found it for you. Just grab your hand tools and get busy.This repair shop will come with some equipment. This has 2 bays one with having an auto lift. This sits on 3.90 acres of land. Let your imagination run wild!
Watertown MLS S224480 Oswegatchie MLS S239136 Cape Vincent MLS S239287 Three Mile Bay MLS S238356 Watertown MLS S234153
$25,000 $189,000 $39,000 $18,000 $36,500
www.c21nny • 1256 Arsenal Street Watertown, NY 13601
BENN REALTY Visit our office site on the web @ www.bennrealty.com KaYUTa LaKe
$395,000
Relax and enjoy all the amenities and opportunities of the Kayuta Lake area, on your own private peninsula with large shady lawn area for your games, & over 400’ of lake frontage w/ sandy beach. Large 3 bedroom, 2 bath, main house with a smaller, 2 bedroom guest cottage. Cottage needs some tlc. MLS #1001993
KaYUTa LaKe
5584 Lake Shore drive Kayuta Lake, rEmSEn, nY H. EdWard BEnn, BroKEr “HErB” BEnn - Sales person
(315) 831-5061
PoLaNd
$375,000
Beautiful home on expansive, professionally landscaped 8.4 acre property w/ 405’ frontage on the west canada stream. Great kayaking/tubing right from your dock. 12 Kw auto-start standby generator. 2 Story barn has 2 rv drive-through oh doors. expansion attic could provide 2 more bedrooms & bath. Mls #1001426
$139,000
MLS #1001300
KaYUTa LaKe
$285,000
Large 5 bedroom cottage on a picturesque waterfront lot, with a fantastic view overlooking the islands. 100’ Sandy beach. This is a true turn key sale. Just bring your toothbrush! Fully furnished, right down to the dishes and linens. Year round access. MLS #1001600
September
Immaculate 2 bedroom, year round home, in like new condition nestled into a 5+ acre wooded setting. Full poured wall basement w/ bilco door to yard. Hiefficiency gas furnace. Full width, deep, covered porch. Very secluded setting.
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$215,000
Nearly new, quality built custom home by dean case. extra high icf basement walls to accommodate finished rooms in the basement. High efficiency boiler with 3 zone in-floor radiant heating, including basement. Private secluded setting w/ woods lined yard area, offering good visual barrier from road.
NoRTH LaKe
$325,000
enjoy the seclusion, solitude, and ambience of a pristine,wilderness lake, deep in the heart of the beautiful adirondacks. The 3br cottage is nestled into a very heavily wooded, 1.4 acre site. W/ 289 prime lakefront. Solar power w/ generator back-up. MLS #1002621
MLS #1002141
www.Life and Homes .com
15
L i f e and H o m e s
ReMSeN
LifeandHomes.com Watertown
Open Market Listing Service™
$99,500
Plus Single Family
3 Bedrooms / 2.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41382
For more details visit www.LifeandHomes.com Type in Quick Search #41769
Katharine Dickson • 315-783-2104
Lisa Watson • 315-286-9682
Licensed R.E. Agent • kdicksonfrontporch@gmail.com
Home Loan Solutions • Northern FCU • 315-771-4783
Watertown
$189,800
Lic. R.E Salesperson • MLBJS5@hotmail.com
Home Loan Solutions • Northern FCU • 315-771-4783
Watertown
$2,580,000
324 Keyes Ave
4 Bedrooms / 2.0 Baths
6 Bedrooms / 4.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41896
For more details visit www.LifeandHomes.com Type in Quick Search #41850
Doris L. Olin • 315-783-0241
Nancy Rome • 315-493-2134
Lic. R.E Associate Broker • dolin@gisco.net
Home Loan Solutions • Northern FCU • 315-771-4783
Watertown
$177,500
Rome RSA Realty L.L.C. Lic. R.E. Broker/Owner • nrome@twcny.rr.com
Home Loan Solutions • Northern FCU • 315-771-4783
Watertown
$139,900
143 Bishop Street
620 Lillian Street
3 Bedrooms / 1.5 Baths
4 Bedrooms / 3.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41852
For more details visit www.LifeandHomes.com Type in Quick Search #41754
June E. O'Brien • 315-788-4444
Nancy Rome • 315-493-2134
Coldwell Banker-Rimada Realty Lic. R.E Salesperson • june.obrien@coldwellbanker.com
Home Loan Solutions • Northern FCU • 315-771-4783
Watertown
$164,900
Rome RSA Realty L.L.C. Lic. R.E. Broker/Owner • nrome@twcny.rr.com
Home Loan Solutions • Northern FCU • 315-771-4783
Wellesley Island
$599,000
919 Academy Street
18723 Rock Baie Road
4 Bedrooms / 2.0 Baths
8 Bedrooms
For more details visit www.LifeandHomes.com Type in Quick Search #41399
For more details visit www.LifeandHomes.com Type in Quick Search #33461
Lisa Watson • 315-286-9682
Deborah Schaefer • 315-836-3578
Coldwell Banker-Rimada Realty Lic. R.E Salesperson • MLBJS5@hotmail.com
Home Loan Solutions • Northern FCU • 315-771-4783
Watertown
$174,900
Front Porch Realty
LIc. R.E. Broker • debbie@thousandislandhomes.com
Home Loan Solutions • Northern FCU • 315-771-4783
Wellesley Island
$82,500
942 Salina Street
42905 Co. Route 100
5 Bedrooms / 1.5 Baths
3 Bedrooms / 1.0 Baths
For more details visit www.LifeandHomes.com Type in Quick Search #41684
For more details visit www.LifeandHomes.com Type in Quick Search #33933
Lisa Watson • 315-286-9682
Deborah Schaefer • 315-836-3578
Coldwell Banker-Rimada Realty Lic. R.E Salesperson • MLBJS5@hotmail.com
Home Loan Solutions • Northern FCU • 315-771-4783
Northern New York
Coldwell Banker-Rimada Realty
1016 Sherman Street
Coldwell Banker-Rimada Realty
Barbara Dunn Realty
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L i f e and H o m e s
$189,000
13115 County Rt 156 w
Front Porch Realty
215 N. James Street Rome 315-337-1677 • dunnrealt@aol.com 16
Watertown
Bronson Street - 2 Family
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 .
Jocelyn Merritt
Licensed Real Estate Associate Broker Garlock Realty
I was a summer resident of the Lake of the Isles until my husband and I moved to Alexandria Bay in 2001. Finding homes on the river for my friends was a hobby of mine. The river has been my playground since I was a kid. I pursued my real estate license one year and qualified and passed my Broker's course the next. I affiliated with Garlock Realty as they were always my river realtor of choice. If you can't find what you are looking for. call me. If you can describe it... I can locate it! Phone: 315-482-8670 Email: jocelyn_merritt@yahoo.com
Front Porch Realty
LIc. R.E. Broker • debbie@thousandislandhomes.com
Home Loan Solutions • Northern FCU • 315-771-4783
Misty Atwood Lic. R.E. Salesperson Front Porch Realty
Perhaps the most important quality in a real estate salesperson is their ability to listen to and understand what their clients are looking for. There is no point in taking a client through homes they can’t afford, areas that are out of their preferred driving distances, or away from schools they want to be a part of. A salesperson is very much a matchmaker. I will listen to what you are looking for and then make the match to the home of your dreams.misty@mistyfleur.com Phone: 315-777-6543 Web: www.mistyfleur.com
FinancialPlanning After the Recession: Threats & Opportunities for Entrepreneurs Unfortunately few operating businesses are immune to the effects of the recent credit crunch. As the threat of inflation continues and prices rise, oftentimes available credit doesn’t. Small business owners are left to restock inventories with less liquidity. This effect can quickly snowball and cause serious liquidity and credit problems. Keeping lines of credit open and maintaining an additional cash buffer may ease the pressure a bit. Business owners can also look for loans from less traditional sources. A permanent life insurance policy, for
Gary Sunada
example, provides death benefit protection, but can build equity in the form of cash value you can borrow against should you need to. Opportunity: Retirement Contribution Tax Deductions Many business owners are so certain they will be able to fund their retirement through the sale of their business that they don’t bother to make any other retirement plans. The reality is, a sale might not be easy and there are attractive opportunities for current tax deductions through qualified retirement plans. Traditional plans remain popular and include IRA’s, 401(k)s, SEP’s, and SIMPLEs. They allow employers to take a tax deduction on contributions. Other IRSapproved plans are increasing in popularity such as the 412(e)(3) plan. This plan may allow certain small business owners to make potentially higher initial tax deductible contributions. You should consult your tax or legal advisor prior to establishing a qualified retirement plan. Opportunity: Increased Unemployment Results in Larger Employee Pool For employers looking to bring on new employees, the down economy may actually benefit their business. Increased unemployment has flooded the employee pool with more highly qualified candidates than ever before. Employers shouldn’t overlook potential candidates because of the stigma of having been laid off. The job market presents the opportunity for small business owners to attract and retain big business talent at small business costs. It may also be wise to hire commission-based employees, often known as “pay for performance.” Employers will find an increasing number of qualified individuals that may have never considered commission-based compensation before, willing to give it a try. This educational third-party article is being provided as a courtesy by Gary Sunada, Financial Services Professional, New York Life Insurance Company. For additional Information on the topic discussed, please contact Gary at 315.738.2612. Neither New York Life, nor its agents, provides tax, legal, or accounting advice. Please consult with your professional adviser for tax, legal, or accounting advice.
"Bank" on Whole Life for Your Financial Needs - Right Now
Read More
(Read Complete Article at: www.LifeandHomes.com/nny. Click on Financial Planning tab at
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September
In our volatile financial world, it seems like there are no safe havens. The stock market continues to fluctuate. Plummeting real estate values in certain markets have yet to recover. So, where’s the worried consumer to go for financial stability?
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At some point, many people with retirement or employer-sponsored investment accounts will find themselves faced with the decision of what to do with rollover funds. Read More
(Read Complete Article at: www.LifeandHomes.com/nny. Click on Financial Planning tab at
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What to Do with Rollover Funds
Home service network
Exclusive Members That Have Shown Exceptional Customer Service
The Missing Pieces to a Hassle-Free Home Appliances WATERTOWN APPLIANCE 315-782-0333 Northern NY’s largest independent appliance Member Since 03/06
dealer. Guaranteed low prices on top name kitchen and laundry appliances. Package pricing. Open 7 days a week.
Appraisal DAS APPRAISAL SERVICE 315-782-4030 Serving Jefferson, Lewis and St Lawrence Member Since 04/08
counties. FHA approved. Over 35 years experience. Call today.
THOUSAND ISLANDS APPRAISALS Serving Jefferson, Lewis and St Lawrence 315-482-9358 Member Since 04/08
counties, Banks, Attorneys Divorces, Property Tax Grievance, FHA Approved.
Electrical Contractors CA ELECTRIC 315-788-0324 Member Since 04/08
Residential, commercial, and industrial. Free estimates, new installations and upgrades. Generator systems, licensed and insured, emergency service. Authorized guardian generator sales and service.
Energy
WWTI NEWS WATCH 50 315-785-8850 Station:WWTI-ABC 50 Member Since 09/09
Website: www.myabc.50.com
Insurance
ENERGY & INSULATION SOLUTIONS 315-285-5074 Serving all of the North Country. From the
ASSOCIATED INSURANCE 315-387-5321 Specializing in home, auto, business, life, boats,
Member Since 04/10
Member Since 04/08
Adirondacks to Lake Ontario.We come to you!
ALL STATE 315-779-1990
Excavating BACH & CO 315-686-3083 Member Since 04/08
Excavation, site work, septic systems, complete manufactured home set-up, shorewells, docks, sand and gravel delivery.
Member Since 08/08
cycles, RV, and snowmobiles.
Meeting all of your insurance needs. Call today for information and questions.
Interior Design TASTE OF DESIGN 315-654-2007 From small residential touchups to full scale
APPRAISAL USA Quality Appraisals at a fair price! Call today 315-482-9076 Member Since 08/08
TV Station
Member Since 08/08
for a fast and friendly service.
commercial makeovers, call today or visit us on the web at www.designwithgoodtaste.com
Heating & Central Air Closets THE HEARTH SHOP @ UNIV. BLDG SUPPLY 315-337-3340 Easy Track Closet Systems - Estimates, Design, 315-732-2350 Installation.The More Economical, Easy InstallaMember Since 02/08
Northern New York
BACH & CO 315-686-3083
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Carpentry, plumbing, electrical, decks, garages, boat houses, remodel cottage openings closings. 24/7 on call service.
Custom Home Builder BATTLEFIELD COMMONS/ SACKETS MEADOWS 315-646-2220 Serving NNY. For more information visit www. Member Since 09/08
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Member Since 03/07
Gas, oil, propane, boilers, water heaters, fireplaces, central air conditioners.
Manufactured Homes WALKER’S MANUFACTURED HOUSING 315-788-1243 Serving NNY. Specializing in modular homes, Member Since 04/08
tion System on the Market.
Contracting Member Since 04/08
COMBS HEATING & AIR CONDITIONING 315-782-8067 Serving NNY.We service and repair all brands-
battlefieldhome.com or www.sacketsmeadows. 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 .
Home Inspection LAKE ONTARIO HOME INSPECTION Buy with confidence! Call or email Tim today for 315-783-0207 Member Since 08/08
your home inspection needs. tbion@twcny.rr.com
CLAYTON HOME INSPECTION Serving the Tri-County area. Complete home 315-783-2432 Member Since 08/08
inspections • radon testing • water testing • lead testing.
manufactured homes, land/home financing packages, transportation of individual homes, awning sales and much more.
Mortgages NORTHERN FEDERAL CREDIT UNION 315-771-4783 Serving the home lending needs in Jefferson, Member Since 09/09
Lewis, & southern St. Lawrence counties. An Equal Housing Lender NCUA
Pest Control ACE WILDLIFE SOLUTIONS 315-391-5682 All of Central & Northern NY. Prevent bats from Member Since 06/08
returning. Guaranteed DEC Licensed & Insured. 24 Hour Emergency service www.acewildlifesolutions.com
3958 Port Street Pulaski NY 13142
1-800-697-1860 315-298-2212
1st Carriage House Realty, Inc.
www.1stcarriagehouserealty.com
Just Reduced: Parish Colonial with 5 bedrooms, 2 bath. All season room with sliders to deck with hot tub. Motivated sellers.
$85,000
Pulaski Village: Three bedrooms 2 1/2 baths. Home wired for generator. Quiet village street and within walking distance to Pulaski Elementary School.
Three bedroom home in the Village of Pulaski. Nice hardwood floors. 1st floor bedroom,bath and laundry room.
$74,900
$165,900
Just Listed: Totally remodeled home with five bedrooms 2 baths. In-law apt with two bedrooms, 1 bath , kitchen and living room with deck. Bonus room over garage.
Two family home in Village of Sandy Creek. Each unit has two bedrooms,1bath and laundry hookups. Each has private backyard. Both in excellent condition.
$134,900
$110,000
new Listing!
$339,900
1240 Harris drive Watertown, nY
• 5 bedroom, 2 1/2 baths, 2,911 sq ft home located on quiet cul-de-sac. • 750’ family room with access to yard and inground kidney shaped pool. • 4 fireplaces located in LR, Great Room, Family room and Master Suite. • Great room with vaulted ceilings and spiral staircase to loft, Formal Living Room & Dining Room. • Fantastic Woodmode Kitchen with black granite counters and customized breakfast nook. • Golden Oak Hardwood floors • Relatively new furnaces with central air • $339,900
3 dAYs!
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Office: (315) 405-8127 mLS # S240407
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Licensed Real Estate Broker 1035 B Coffeen Street Watertown, New York 13601 www.condinorealty.com Cell: 315-408-5968 jcondino@twcny.rr.com
sold in just
September
judy A. condino, Gri
Priced right:
Northern New York â–
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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 .