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Welcome Moving Forward

Life and

Homes

Is buying or selling a home in your plans or dreams for the coming year?

If so, housing projections for 2015 are spelling out some promising news.

The Home Buying Institute predicts home values will slowly continue to rise and they expect mortgage rates to hover below 5% for most of the coming year. RealtyTrac suggests we can expect to see a continued decrease in foreclosures and the reduction of distressed inventory will continue to help life and sustain real estate values.

We invite you to browse through this issue and visit us online at LifeandHomes.com today and throughout the coming year for the best local real estate offerings, local business services and a wealth of helpful real estate related information. Visit LifeandHomes.com for weekly Open House dates and times and new to the market listings. Be sure to contact the Realtors and business owners who work with LifeandHomes™ for answers to your real estate and home related questions. Their expertise and experience can help guide you through the buying, selling, building, investing and maintaining process.

LifeandHomes™ is dedicated to promoting the Southern Tier and assisting those of you who live here or are anticipating moving into the area. My New Year prediction is that you’ll like it here. It’s a positively, wonderful place to call home.

Richard & Toni Granger

607-742-2543 • Toni@lifeandhomes.com

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From $25 to $495 with Special Price Discounts & Bonus Ads Available!

Ten Thousand Copies Delivered Free in over 250 locations. With an ever-growing distribution list and always willing to add your favorite locations, located in all of the areas your customers are so your ads will get read. Distribution is important to us, We’re Not Just Owners, We’re Customers, too. Large pages & great graphics. People stop us on the streets and tell us what a pleasure it is to read our magazines. Very diversified content to attract readers. “Readers” become “Consumers” & that’s what you want when you place an ad!

Van Etten, NY 607-564-7931 / 607-738-4738 We Service Chemung, Schuyler, Tompkins, & Steuben Counties

Buying or selling a home?

If the home you are buying or selling has a septic system, it is important to have it checked before closing. Let us help you put your septic worries to rest.

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LifeandHomes ■ Southern Tier

southern tier, NY Edition

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Toni & Richard Granger

Southern Tier LifeandHomes™

Real Estate Marketing Consultants

452 Milton St. Elmira NY 14904

607-742-2543 • Toni@lifeandhomes.com

607-742-2543

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February Issue January 9, 2015

Corporate Office D avid Li si, O WNER 315-865-5845 David@LifeandHomes.com

Lisi Merchant Solutions, Inc.

ATTN: RADIO STATION OWNERS

PO Box 18 Holland Patent, NY 13354

LifeandHomes™ Radio is looking to broadcast our three-hour daily programing in the Southern Tier area.

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How To Purchase Your First Home In 2015

newsShorts

rate. Don’t forget to consider the other costs of homeownership, such as taxes, insurance and utilities.

The American dream of homeownership may not be as hard to attain as many people seem to fear. A few intriguing facts and hints can help.

• Identify your housing wish list. Although 46 percent of first-time buyers got a single-family home in the suburbs, you may prefer a condo in an urban environment near public transportation.

The Facts

Regardless of your preferences, identifying and sharing your wish list can help your Realtor focus on the right home for you, scan listings and connect with those who represent sellers to zero in on homes for sale that meet your budget and criteria.

While existing home sales have risen recently, the National Association of Realtors’ annual Profile of Home Buyers and Sellers found that the share of first-time buyers recently fell to its lowest level (33 percent) in nearly three decades.

Many first-time buyers experience obstacles on the path to homeownership, including difficulty saving for a down payment and tight credit conditions.

The Hints • Find and work with an expert Realtor who knows the neighborhood. Nothing can replace the local knowledge and real insight that professional Realtors can provide to first-time buyers as they navigate the complex home buying process.

According to the Profile of Home Buyers and Sellers, while most home buyers in the past year began their home search online, 90 percent ended up purchasing their home through an agent. Realtors are not only the source of online real estate data, they also use their unparalleled local market knowledge and resources to help close the deal for buyers and sellers.

• Meet with a lender to determine how much you can afford. Last year, the median price a first-time buyer spent on a home was $169,000.

Chances are, you don’t have that amount of cash lying around. That’s why 95 percent of first-time buyers who bought a home in the past year financed their purchase.

Find out what you can afford with a preapproval from a lender. A lender will check your credit history, current debt obligations and other expenses to determine the amount of money you’re qualified to borrow at a specific interest

Keep this advice in mind and you may soon find yourself waking up in the home of your dreams.

(NAPSI)

Make 2015 Your Year to Improve Financial Fitness Lose weight, quit smoking, find a new job and get out of debt…does this sound familiar? Millions of Americans will resolve to change their lives in the New Year, but few will stick with their goals.

In fact, a recent survey by the National Endowment for Financial Education (NEFE) finds six in 10 people will strive to improve their financial well-being in 2015. Changing your financial habits is a resolution you cannot afford to overlook. It’s time to flex your financial muscle.

The experts at the nonprofit National Endowment for Financial Education offer these seven tips to help make your financial resolutions stick: Do it now. Many will wait until they feel the time is right to begin new behaviors. If you wait until after the big party to start watching your diet, or until after that big purchase to start saving money, the ideal time will never present itself.

Write down your financial resolutions. The NEFE survey finds setting a budget, making a plan to get out of debt, and boosting retirement savings

are the top priorities for Americans in the coming year. Clearly articulate why you think your resolution is a good idea, steps you can take to reach your goal, and what you hope to gain.

Post your list where you will see it each day.

Identify your money morals. Understanding your values and attitudes about money will bring clarity to the decision-making process. NEFE offers various online tools, such as the LifeValues Quiz, which will help you identify your values and make resolutions based on those values.

You can find the LifeValues Quiz at SmartAboutMoney.org.

Recruit a “financial buddy.” Share your resolutions with a trusted family member or friend who can provide support in helping you meet your financial goals. Find someone who will hold you accountable and will set a good example for you to follow.

Vary goal intensity. Give yourself a short-term objective such as paying more than the minimum on one credit card this month. A long-term goal could be setting up – and adding to – the emergency savings account you know you should have but didn’t get around to starting last year.

Monitor your progress regularly. If you are trying to reduce debt, make sure you check your balances often. Set aside a couple of hours each week to address your finances. Over time this will become second nature and part of your normal routine.

Address conflict logically. If you find yourself breaking a financial goal by reverting to old spending habits, identify what value might be causing you to stray and take the time to ask yourself if the decision is appropriate given your current financial situation. For help with setting goals and getting your finances in order in 2015, visit www.SmartAboutMoney.org. (Family Features) A whopping 89 percent of buyers start their home search online. How your house looks online is the modern equivalent of ‘curb appeal.’ Rent a wideangle lens and good lighting, get rid of your clutter and post at least eight great photos to win the beauty contest. - Barbara Corcoran January

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RICHARD WINTERS REAL ESTATE Real Service in Real Estate

607-937-5438 Painted Post, NY

www.realestatebywinters.com

Addison

$67,900 Painted Post

Woodhull

$55,900 Corning

$139,000 Corning

$179,000 Corning

$75,000 Elmira

0 Eddy Rd. - Lighting all new--neg. on furnishings, woodsy setting w/ lake view.Treated deck, plumbing new, wrap around deck--parking area. 15 ft. access w/ dock near A frame.Windows new except picture window. New concrete footings + concrete block pilings. New storage shed. All appliances included. New insulation in attic.

5210 Main St. - Main St. storefront, concrete floor, suspended ceilings, very large rooms, diagonal wood floors in back area. Side 2 car garage w/ brick exterior, double doors, office area. 200 amp electric, heated, insulated, wood floors, 1/2 bath. High ceilings. Great for consignment shop or any business. Crawl basement.

Beaver Dams

370 NYS Rte 414-Large repair garage w/ adjoining office space, masonry building has been a deli & store.

Shop area insulated & has newer furnace. Separate 2 bedroom Ranch home. Cooler could be a paint bay or garage. Recently painted. Blacktop resurfaced. New lighting in store. New roof & new paint on house.

$79,000 Bath

140 Charles St.-One owner 48 years, shared driveway, lots of room, high ceilings, 1 bedroom down & bath and 4 bedrooms up & bath. Upstairs not used for years.

1602 Thurber Rd. - Open floor plan, Original owner, Beamed ceilings, stone FP, large applianced kitchen w/ birch cabinets, dining area, hardwood floors, 3Bed/1.5 Bath, full bsmt, 20x48 barn w/ loft. 2CA Garage.

2517 Fairway Rd. - Room above garage can be large 3rd bdrm or family room. Enclosed porches. Carport.

Shed. New carpet in most rooms. Kitchen cabinets freshly painted. Appliances stay and are AS IS. Stove new. Convenient to Corning & Elmira area. Close to new hospital.

$259,000 Millport

$99,900 Jasper

$115,000 Horseheads

$44,900 Painted Post

7356 County Rte. 89 -Warm & wonderful Contemporary with 3 Bed/3 FB, on 30+ secluded park-like acres on wonderful trout stream.

218 Princeton Ave. - Filled w/ light sun porch w/ skylites, 7 person hot tub, carpeted LR w/ open staircase, applianced kitchen, new ceramic floor, granite countertop, Much to see!

2009 Crescent St. - Basement of church 3 yrs ago new ceiling & door, concrete floor 2 stairways down, nursery room & 2nd dining room. 5 other storage rooms, two 1/2 baths, hot water heater. Upstairs antique bell, boiler. Church vinyl sided, roof new last year. First level pastor’s office w/ carpet/ chapel & alter.

$239,900

487 Sawdey Rd.-Doublewide on 6 ACRES. Needs some 731 Addison Rd.-4 prime commercial acres on Rte 417 TLC. 2 sheds. Oil, gas, mineral, timber rights unknown.This formerly a church, blacktop parking, pole barn & church property is now under auction terms. Pre-sale offers should building. Sold AS IS. Building not of much value. be submitted through www.williamsauction.com/pro.This property is subject to a 5% buyers premium pursuant to the AuctionTerms and conditions (minimums may apply).

$104,900 Campbell

10 Woodland Estates Dr. - Lovely Colonial located just outside the Village of Elmira Heights on the edge of town. Private treed lot is irregular shaped. Living room has new carpet & double sided wood burning fireplace.

Large oak kitchen & semi finished lower level. Blacktop driveway is on neighbors property.

$34,900

3843 SR 417-Large lot & shed. Vinyl sided 2 story, large living room, dining room, kitchen, office or breakfast nook off kitchen, 3 bedrooms. Full bath down. Full basement.

$315,000 Campbell

4121 Curtis Cooper - What a find! Historic family Farmhouse built in 1839. Tended lovingly and updated over the years with recent remodeling to kitchen and baths. Complete with fireplace, formal dining room, curved staircase, hardwood floors and master suite.

Large back addition.

$136,000

4071 Lewis Rd. - Stone wall accents w/ coal stove in carpeted LR, kitchen w/ dishwasher, range & new stainless refrigerator, stackable washer & dryer in 1/2 bath. Upper level 3 bedrooms & full bath. Central vac, equipment shed and 30x40 insulated, heated garage w/ office area & high ceilings.

Whether you are looking to buy or sell in or around the Elmira - Corning area, you have come to the right place!

Elmira

$34,900

654 Walnut St.- Across from Grove Park. Fenced yard. Needs some TLC. Being sold AS IS condition. Office/den could be 4th bedroom.

Painted Post

$108,000 Painted Post

14 Virginia Rd.- Ranch home located on a quiet cul-desac. Fenced yard. Kitchen has new flooring, new gas range & new refrigerator. Carpets need to be replaced.

Third bedroom is being used as a laundry room. There are laundry hookups in the basement also. Lower level is semi finished.

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5042 Meads Creek Rd.- Roof needs replacing, no floor coverings, garage 2 car but door not on. House needs a lot of work. Floors underlayment.

LifeandHomes â– Southern Tier

You can have the comfort of knowing that you are working with the most qualified 296 W Third St.- Lovely family home w/ hardwood 654 Walnut St.- Across from Grove Park. Fenced yard. professional who is dedicated to you and will floors, 4 bedrooms, 2 full baths both on first floor, most Needs some TLC. Being sold AS IS condition. Office/den always be looking out for your best interests new replacement windows, newer furnace, kitchen w/ could be 4th bedroom. and striving to make the real estate process range, refrigerator & plant window, large southside lot as comfortable and pleasant as possible. close to McKinney Park. Could add garage off alley. 15 insulation in attic.

$25,000 Corning

$89,000 Elmira

$34,900

BEAVER DAMS

$139,900

8 Hill Road - Horseheads School District!!!! Don’t miss out on this beautifully updated home. New kitchen , hdwd flooring,furnace, HW heater, blown insulation, wiring & service and new deck. All updated and new!! Pellet stove /cost $920 to heat last winter. Peaceful road with no through traffic. This home is centrally located 10-15 minutes to either Watkins, Horseheads or Corning. MLS#R237539A

HORSEHEADS

$137,400

324 Marshall Street - Location!!! Well kept 4 bedroom home with fenced in yard. Two bedrooms upstairs plus a bonus room for fun!!!

This home is waiting for you to just move in and enjoy. Garage also features an attached workshop great for any hobby. 12 x 20 Shed.

See for yourself before it’s gone! MLS#R238248A

realty uSa / Horseheads Office 2783 Westinghouse rd Horseheads, ny 14845 Office (607)739-1444

BIG FLATS

$79,900

73 Winters Road - Great location for this two bedroom cottage.

John J. Hooper

This home has 648 sq ft unfinished second floor with the possibility of two more bedrooms. Updated large enclosed porch off the back with a nice back yard and a garden shed. Great starter home!

MLS#R238543A

Licensed Real Estate Salesperson

607-215-5214

johnj.hooper3rd@gmail.com

Join the conversation of hope People who care, combatting teen suicide and self-injury! Join us in the fight!

Come support iMatter at their December 23rd & January 27th Dinners.

Carolers for your enjoyment on Dec 23

imatterfest.com • info@imatterfest.com

We Will Not Lose Hope

Bring your business card, pay for your meal, drop your card in the bucket!

Someone will win a free half page ad in Southern Tier LifeandHomes™ !

iMatter Spaghetti Dinner Fundraiser • 4 – 7 pm The American Legion • 71 Old Ithaca Road • Horseheads

January

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Spring Creek

Apartments 607-765-0342

150 Old Ithaca Rd, Horseheads

$875/mo

2 Bedrooms/1 Full Bath, Private Deck, Storage Shed, Includes: Stove, Refrigerator, Dishwasher, Microwave, Laundry Hook Ups (and laundromat on premises), Parking, Snow Removal, Lawn Care, All units professionally cleaned and painted before moving in.Tenants are responsible for Electric, Water, Telephone & Cable.

Your Go-To Agent for Hammondsport & Keuka Lake!

Flora Haff-Cranmer, Licensed Salesperson/Realtor 607-329-9386 fcranmer@stny.rr.com • www.KeukaRE.com

BATH

$89,500 AVOCA

6 Geneva St. - Charming 2 Story early 1900’s Village Home w/3000+ sq ft!

Enjoy this home as a single family w/56 bedrooms & 2 baths, spacious & open concept, or rent out 2nd floor to pay part/0r all of your mortgage.

$59,000

61069 State Route 415 - Retail Building in excellent shape @ 36’ x 60’ in Heart of Wallace Hamlet on well traveled State Route 415. Large front display room, with 3 additional rooms for multiple businesses, to rent out, or expand your own business.

My GOAL is Simple as a Real Estate Agent – It is to SATISFY my CUSTOMERS!

BATH

$99,000 CAMERON MILLS $128,000 BATH

113 Maple Heights - Awesome Location - Close to schools & I-86. This one has great curb appeal with siding and brick exterior, large covered porch, patio w/ built in grill & fire pit, and detached 2 car garage. 3 BD 1½ Baths on the main floor.

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6368 Yost Rd. - Country Living - large farmhouse home, pole barn, 2 story dairy/ hay barn & pond sitting on 5 acres (taken from larger parcel). Relax on the front porch!

Large eat-in kitchen, living room, mud room, full bath w/laundry on main floor.

LifeandHomes ■ Southern Tier

$159,000 BATH

13 Hillview Drive - Beautiful 3-4 BD, 2+1/2 Bath Large Ranch Home in desired Village Neighborhood with addition that will Steal Your Heart! Currently this addition is a Master Suite (4th BD) w/cozy family room, full bath, & laundry.

$165,000 BATH

7257 Wildflower Way - Amazing Home in a 55+ Community!! Everything you would ever want. Top of the line updates: hardwood flooring, oak kitchen, breakfast bar, SS appliances, ceramic tile, quartz counters. Large DR.

$142,000

6673 Daffodil Drive - Beautiful Ranch Style Home in a 55+ Adult Community.

Surrounded by beautiful homes similar in size/values. For your lot rent enjoy the Community Center, grounds, snow removal & yard mowing, garbage pick up.

Cardamone Home Builders 607-765-9735

11 Woodland Way, Ithaca NY 14850 $440,000

Townhouses Available Immediately! Private Gated Community, Overlooking a 2 Acre Pond, Lansing School District, 2500 sq ft with Walkout Basement, 3 Bedrooms, 2 1/2 baths, Master Bedroom on the First Floor! Second Floor loft. Public Water & Sewer, Cable, Internet, Gas & Electric Available.

January

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Beth DeCaro

Licensed Real Estate Sales Agent 203 Colonial Drive Suite 102 Horseheads, NY 14845 (O)(607)795-2900

(C)(607) 592-8690 bethdecaro@kw.com bethdecaro.kwrealty.com

Millport

$144,900 Elmira

1590 Lawrence Johnson Road - CHARMING LOG STYLE HOME! This is a 3 bedroom 1.5 bathroom home situated on an acre lot.

Updated kitchen with hardwood flooring, new counters and a separate dining area. Full walk out basement not included in the SF with plenty of storage. You will enjoy the nice covered front porch in the evenings looking out into the field with all of the beautiful colors Autumn has to offer.

$18,000 Corning

417 Partridge St - Contractor’s Special!!! The majority of this unit has already been gutted. New plumbing was installed recently.

Screened in porch upstairs. This unit has a stove, bathroom vanity and a sink that will stay with the sale. Buy this house and fix it up to rent or flip it!

$179,000 Erin

770 Marsh Road - Privacy and acreage is what you will get when you call this place home. The long gravel driveway up to the house is the reason that you will be surrounded by the calming sounds of nature. This 3 bedroom 2 bath home is situated on 66+ acres. The top floor has a beautiful coal stove in the living room, hardwood floors that shine and an open floor plan. The lower level has a family room, area for another stove, 3rd bedroom, kitchen and laundry unit. The garage is large enough to house 2 vehicles and still have space for a workshop.

ELMIRA HEIGHTS

$65,000

445 Marsh - This home is a rare find! Built in 1883 as a school house! The teacher’s desk used to sit where the refrigerator and stove are. The wood stove in the Family Room is an old potbelly stove, Wisdom Oak model and it is still currently being used to heat the whole home. This home features 2 bedroom 1 bath. A new septic was put in and the plumbing was re-done in 2002.

There is so much charm in this old school house you will have to come see it for yourself!

$77,000

Looking for that older style 4 bedroom, 1.5 bath with spacious room & woodwork? 2nd floor MBR has a private porch.

Possible 1st floor bedroom. Front & side porches. Newer furnace with central A/C, newer 200 amp 220 volt circuit breaker electric. Walk-up attic partially floored. Basement with Bilco type exit door. Fenced rear yard. 2 car garage w/opener & electric, paved driveway. Siding type not know. This is a gem in the rough. Sale priced below assessment & this should not

Realty USA - Horseheads

2783 Westinghouse Road Horseheads, NY 14845

Office: (607) 739-1444

Elliott R. Blauvelt Jr.

last long. Square footage per Appleminer.

Elliott ‘The REALTOR®’

Broker/Licensed R.E. Assoc.

MILLPORT

$88,650

1 Yr Home Warranty incl for Buyer. 5 bedroom house with detached 2 car garage that sets adjacent to State Land on the North and Catherine Creek on the West for your fishing pleasure. Some updates done-just needs your personal touches-pleasant family home with great rear family friendly yard. Public water installed. School Bus stops directly across the street. 2 covered porches.

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LifeandHomes ■ Southern Tier

HORSEHEADS

$92,000

Wonderful Village 4 BR w/1 on the FF, 2 full baths, great woodwork, mostly hardwood floors, lg eat-in kitchen w/lg window w/seat overlooking rear yard, 1st floor laundry off 1st floor full bath, large LR or formal DR & smaller LR w/wooden arch way w/pillars, lg mast BR w/dbl wide closet, 2nd BR w/walk in closet w/vanity (could be nursery), stg rm w/entry to walk up attic, rear entry mud rm , ft enclosed porch, detached 2 car.

Cell/Text: (607) 301-0069 Office: (607) 739-6488 Ext 211

EBlauvelt@realtyusa.com

Millennials:

How To Make Your

Home Ownership Dreams a Reality Owning a home is part of the American Dream, yet though requirements are relaxing, only three out of five standards on income, credit and debt are making it borrowers get approved. tougher to buy a home than it was 10 years ago. Even

While stricter standards make it tougher for young families to qualify for a mortgage, millennials said they understand why these standards exist and think the tougher requirements won’t stand in their way of buying a home, according to a new survey commissioned by loanDepot.

In fact, millennials today are serious about doing what’s required to get a mortgage. The research surveyed 1,000 millennials who don’t own a home and found 35 percent plan to buy within five years. What’s more, millenials are taking steps now to turn their dreams into a reality by getting their credit in order, paying down debt and saving for a down payment.

“Income is a key to opening the doors of homeownership for millennials, and they’re more than committed to it; they’re actively planning for it,” says Anthony Hsieh, chairman and chief executive officer, loanDepot LLC. “Our improving economy is making it practical for millennials who want to own their own homes in a few short years to get ready now. Their strong desire to become homeowners, coupled with the commitment of getting their finances in order, suggests a renewal in first-time buyer demand may be possible if we sustain necessary economic and market conditions.”

With their prospects improving as the economy picks up, millennials are forming households faster and making more money compared to a few years ago. One in three millennials said an increase of 15 percent or less in income will be enough to turn them into homebuyers, a significant proposition for the economy.

Because mortgage lenders use debt-to-income to evaluate a borrowers’ ability to repay a loan, student debt is a growing burden on millennials interested in financing a home. Unlike medical debt, student debt carries an equal weight to credit card debt. Nearly half of those surveyed said it’s unfair to weigh both types of debt equally.

As for the tougher requirements to getting a mortgage, millennials do think the tougher standards guard against risky loans and will help prevent another mortgage crisis. More than half say making it easier to get a mortgage will result in more foreclosures.

If you have student debt and want to buy your first home, here are a few ideas and tips to help you prepare:

* Lower your debt-to-income ratio (DTI). DTI is your total monthly income as compared to your total monthly debt payments. Most lenders will only lend to you if your DTI is at or below 43 percent. So to lower it, try to increase your income by pursuing a promotion or raise, finding a higher-paying job or taking on part-time work.

Decrease your required monthly debt payments by refinancing or consolidating student loans and paying down any credit card balances. * Get your credit score in order. Analyze your credit report before you start the home buying process. Dispute incorrect derogatory information and ensure all three credit-reporting bureaus list all of your positive information. Pay all your bills on time, reduce credit card balances to 30 percent of the credit limit or lower, and don’t open new credit cards if you already have a few. * Save for a down payment. Make a budget for each month before it starts, with a plan for spending and saving, and stick to it. Stash away extra money from bonuses, overtime or financial gifts on your birthday or holidays. Find a roommate to help pay your rent or move into a less-expensive rental. Do freelance or contract work on the side. Sell unneeded stuff on Craigslist. (BPT) January

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YOUR NEXT INSPECTION EXPIRES 06/30/2015

PRE-SALE INSPECTIONS • BUYER'S HOME INSPECTIONS • WATER & SEPTIC EVALUATIONS • RADON • PEST • MOLD

BEFORE YOU INVEST…INVESTIGATE! HOME INSPECTIONS

STARTING AT $300 FULLY INSURED NY LICENSE #16000059439

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LifeandHomes ■ Southern Tier

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607-425-1306

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Check out our weekly ads: avonman.biz

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www.HATFIELDRE.com

452 Milton St, Elmira NY 14904

Horseheads

HATFIELD Real Estate

Always an agent on call! Call Today!

$105,900 Elmira 20 Thomas Rd A farmette with great perks! Great solid home with open floor plan, Views, Garage w.extras, Peace & Quiet! BRAND NEW FURNACE! New windows & pellet stove insert, new well pump too!

Nothing to do but move in and make it your own! Convenience of being minutes away from Ithaca, Corning, Watkins, Horseheads, Elmira & Waverly!

You even have cell service there!

Corning

$65,900 955 Bridgman Move Right In! New kitchen, furnace, windows, flooring, third bedroom, paved drive, freshly painted walls, clean as a whistle! Basement is Clean & Dry! Updated bathroom! Great enclosed front porch for daily enjoyment and fireplace for cozy nights! New covered back deck with privacy allowances! Perfect for those down sizing or at any stage!

$157,900 Elmira

$99,900

11947 St Rte 352 Wow, What a home! It’s huge! Newer kitchen, Freshly painted, Newer carpets, 2 gas fire places, Huge living rooms on both floors, 3 full baths, laundry on both floors, Huge yard, great area, Huge master bedroom with skylight & walk-in closet, High efficiency furnace less than 5 yrs old, Whole house attic fan, Huge 3 season room and so much more!

459 Maple Ave Beautiful Victorian home built by Colonel Robinson. Grand foyer w/ fireplace and open staircase,spacious rooms w/ high ceilings. Newer kitchen w/ breakfast nook, large bedrooms and closets,hard wood floors, fireplace in master bedroom w/porch. New furnace with central air in 2006, roof done in 2005. House has some new windows.

Cayuta

Elmira

$114,900

$59,900

6164 Morrell Road This mobile isn’t new, it’s better than new!

Gutted and rebuilt, freshly painted, clean as a whistle and ready for you! Open floor plan makes it great for entertaining or for the family that shares life daily!

127Willys St What a find! Located in a quiet neighborhood, has a wonderful double lot giving the occupants a large yard on both sides of the home! Open floor plan allowing the occupants to communicate, bond and live together!

Corning

Addison

$87,000

$118,000

292 W William This 2 story home has had all of the important updates completed and now it’s up to the new family to do the cosmetics and make it their own. The homeowner is allowing $1000 for new flooring.

60 Front What a transformation of this home! Much larger than it appears, this SPACIOUS, 4 bdrm, 2 full bath home has been completely remodeled w/ a modern kitchen w/ glass tile back splash,huge pantry rm,island w/ seating.

Elmira

Elmira

$79,500

1157 Gordon Circle This home has been well cared for, she’s good and solid too! Located in a convenient area and in Elmira Heights School District! Quiet circle with minimal traffic. First floor bedroom, could be a dining room if wanted.

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607-795-1443

LifeandHomes ■ Southern Tier

$65,900

407 Phoenix Ave What a great solid home! New roof, furnace, and A/C! Formal Dining Room, Office on first floor could be another bedroom with half bath if needed! Basement is dry! Nice sized lot with a garage. Great home for the money.

34 Retirement Drive Horseheads, NY 14845 (607) 739-0521 retirementestates@aol.com

Homes open for viewing Mon - Thurs 10AM - 2PM or call for appointment.

346 Easy Street - 3 bed, 3 bath w/ living room, dining room, family room. 1 car garage & workshop. Listed at $147,500

119 Rockingchair Road - 4 bed, 3 bath, finished walk out basement, decks, 2 car garage, more. Reduced to $274,000

27 Retirement Drive – A 3 bed, 2 bath, 1 car garage. Kitchen w/ breakfast nook. Living, dining areas. Covered porch. Needs TLC. A bargain at $85,000

127 Rocking Chair Road- 3 bed, 3 bath, living room, dining room, family room. 1 car garage, covered porch. Listed at $149,000

35 Retirement Drive – 3 bed, 2 bath, Large living room, eat-in kitchen, carport, front porch. Asking $134,000

329 Easy Street – 2 bed, 2 bath, large kitchen, living & dining rooms, sunroom, 1 car garage. Asking $80,000

206 Leisure Lane – 2 bed, 2 bath, large living 252 Leisure Lane - 2 bed, 1 den, 2 baths, room & eat-in kitchen, enclosed porch, 1 car 1 car garage. Eat-in kitchen and dining. Front garage. Priced at $124,000 porch & sun room. Reduced to $140,000

22 Retirement Drive – 3 bed, 2 baths.

Kitchen w breakfast nook. Living room & dining rom. Covered front porch and 1 car garage. Reduced to $139,900

72 Retirement Drive – 3 bed, 2 bath, 1 car garage. Front patio.

Large living room and an eat-in kitchen. Reduced to $79,500

25 Retirement Drive – 3 bed, 2 bath, living & dining areas. Kitchen w/ island. Carport w/ storage room. Asking $142,000

123 Rockingchair Road – 3 bed, 39 Retirement Drive – 3 bed, 2 3 bath, 1 car garage & carport. bath with carport, storage room.

Large living room, eat-in kitchen. Eat-in kitchen & large living area.

Reduced to $99,000 Reduced to $93,000 January

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Signature Properties

Superior Real Estate Services

FEATURED LISTING

506 S Main Street Horseheads, NY 14845

Horseheads

Lisa M. Lilley

Licensed Real Estate Broker Associate

607-731-3067- Cell

607-796-9817 x.104 - Office

llilley79@hotmail.com

Elmira

$62,000 Veteran

Construction in Progress

$68,000 Elmira Heights

Rt 13 - 24.5 acres in a great location & setting. Great 309 Franklin St. - Easy to rent 2-unit in convenient piece of property to build your dream house or a Southside location. This 2-unit is located within perfect piece of hunting land. walking distance to school & stores. Seperate utilities, Brand New Furnace!!! Owner pays water/sewer. Large 3 bedrooms. Good income potential.

$94,900 Big Flats

202W Ninth Street - Cute, charming & exceptionally maintained. Neat as a Pin! New carpet throughout, freshly painted. Beautiful brick exterior. Sizable back yard, nice covered front porch to enjoy. 2 bedrooms and full bath on first floor, 2 bedrooms and half bath on second floor. Full useable basement. Oversized 2-car garage with upstairs storage.

$539,900

Lot 10 Fox Ridge Lane - Fantastic new construction

by Cornell Building & Development. Wonderful floor plan w/many extras. First floor great room & den w/ stone fireplace, laundry room, living & dining rooms.

Beautiful custom kitchen boasts granite countertops, s/s appliances & climate-controlled wine cellar. Hwd, ceramic & wall-to-wall carpeted floors. Wonderful master suite w/custom tiled shower & built-in coffee/ wet bar. Walkout basement offers 1500SF, could be finished to incl home theater. 3-car garage, 3 acres w/ wonderful views.

Horseheads

$157,900 Elmira Heights

2359 Rt 352 -Wonderful completely remodeled Ranch in Horseheads School District. One floor living incl formal living room, spacious family room, first floor laundry, two full baths. Beautiful new eat-in kitchen boasts lovely ceramic tile floor & S/S appliances. Lovely new light fixtures. Master bedroom w/full bath, large double closet.

$895/mo

3542B Kentucky Ave - A MUST SEE! New construction, 2-unit Ranch style living with 2 bedrooms 1 bath. Open floor plan. Large kitchen with high-end appliances (all stainless steel) with an overhead microwave-hood and dishwasher. Double closet in master, plush carpet throughout, laundry hook ups, covered front porch.

$695/mo

268 W Eleventh Street- Ranch style living with everything on one floor, located in quiet Heights neighborhood. Separate driveway and laundry hookup. *Listing Agent related to owner.

Theresa Marie Butler Licensed R.E. Salesperson (C)607-742-1385 tmbutler@kw.com

203 Colonial Drive Suite 102 Horseheads, NY 14845 (O)607-795-2900

Montour Falls $197,500

219 N Genesee Street -This historic home has space and serenity in a village setting. Quietly tucked in the hillside is this brick lined home hiding an in ground pool, pool house, and rolling landscaping surrounded by wrought iron fencing. This home boasts a large country kitchen with a butler’s pantry, an enormous master suite with a walk in closet/office, oversized living room with a wood burning fireplace, and lots of storage!

Don’t miss this hidden gem in the Finger Lakes!

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Elmira

$155,000 Rock Stream

408 Fairway Avenue -A beautiful home on Elmira’s Southside! This house is in perfect, walk in condition and includes much of the furniture!

Every aspect of this house has been updated including bathrooms, kitchen, carpet/flooring, landscaping, and more! With 5 bedrooms, there is plenty of room to create an office, rec area, or hobby rooms. Sit and relax in front of the fireplace with built in shelving and a large mantel, or enjoy the deck outside with the biggest lot on the street that includes a sculpted garden. This house has it all!

LifeandHomes ■ Southern Tier

$629,000 Watkins Glen $154,900 Watkins Glen $260,000

524 Rock Stream Road - One of a kind home with a highly motivated seller! Luxury living at its finest! This spacious 1929 colonial has all the detailed amenities in the heart of the Finger Lakes! Boasting of pewter/brass/copper original fixtures, red oak hardwood floors, slate roof (with extra slate to last), copper framed windows, 2000 sqft Carriage House, grass tennis court, large gazebo, detached 4 car garage, and lots of ‘extras’. This estate had been run as a B&B in the past, but could be a family home, winery, restaurant, or European Style Guest House.

339 Howard Avenue - Catch a view of Seneca Lake from the living room & porch! This home was completely redone to include hard wood floors, carpet, sheet rock, granite counters & dura stone tile in the bathroom, and new plumbing for the towns sewer. Relax in the living room while looking at the lake, or take a step down to the sunken great room and grab a drink from the bar in front of the fireplace. There is a bright feel to this home inside with apple & pear trees, grape vines, flowers and herbs outside. Sit in the screened in porch to have the best of both!

2400 State Route 414 - Ice Cream Parlor located perfectly between Watkins Glen International, the village of Watkins Glen, next to a Go-Kart Track and miniature golf course, and at the top of a highly traveled hill for commuters heading to Corning or Horseheads. Parlor has additional space for expanding if you want to sell more than ice cream. Building has a new 624 Sq Ft lunch room and a 256 sq. ft. deck. All fixtures, furnishings and inventory included. Owner has a permit for a 10 room motel with the plans for future investment opportunities.

R E A LT Y, I n c . www.sevenvalleyrealty.com • Serving New York State & Northern PA

ANNOUNCING OUR NEW CORNING OFFICE! 145 CONHOCTON ST., CORNING, NY 14830

Residential • Multi-family • Land • Rentals • New Construction • Commercial Seven Valley Realty, Inc has been in business for over 20 years and has developed into a statewide company. Although we have had agents servicing the Southern Tier region for almost 10 years, we have decided to take the next step and open our Corning, NY office so we can further accommodate our clients and customers.

Our goal is to provide “Hometown agents with regional resources”

Steve Terwilliger Principal Broker

Daniel Knaisch (C) 607-542-6155

Patricia Opper (C) 607-742-3168

Christopher Morton (C) 607-857-0911

Erica Willis (C) 585-851-2905

Jennifer Whitehead (C) 607-346-5021

Jessica Cunningham (C) 716-597-6544

Ed & Sandy Frey (C) 607-382-4135 (C) 607-382-2466

Callie Brewster (C) 607-382-2146

Laura Mattarell Regional Manager (C) 607-727-6316

145 Conhocton St., Corning, NY 14830

607.973.2077

“Hometown agents with regional resources”

Getat closing $500 Back when you sell your home with us!

Ask Your Sales Agent for Details. Exp. 5/31/15 January

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Horseheads

$240,000

129 Ridge Rd

MLS#1401249

Always dreamed of owning your own business? Retiring but still want to be active? Here’s the perfect opportunity with a well established business, all set up and ready to run as an Ice cream Shoppe, but could easily be turned into a diner as well!

Draw traffic in from all directions: Close to industry, schools, businesses, and the lakes! Keep it open all year, or become “snow birds” and just have it open during the warm months!

Signature Properties Superior Real Estate Services 506 S Main Street Horseheads, NY 14845

Cindy Cox, Licensed R.E. Salesperson 607-738-9228-Cell

607-739-0355-Home | 796-9817-Office VM 176

cindyiva@aol.com

Cindy Cox

Matt Cox Rental Properties offers professionally managed apartments.

“Come home to peace of mind” Large & luxurious, spacious duplexes with a unique blend of comfort & functionality, open floor plans offering 2 bedroom, 2 & 1 baths, private entrances, rear decks or patio’s, 1 car garage, 1000 - 1135 sq ft of living space.

These units are aesthetically appointed and conveniently located in Horseheads.

Our brand new apartments at 181 Old Ithaca Road will be ready to lease

Matt Cox Rental Properties January 01, 2015. For your private showing!

PO BOX 313 Horseheads

607-739-0355 or 607-738-9228

cindyiva@aol.com www.MattCoxCustomHomeBuilder.com 16

LifeandHomes ■ Southern Tier

Featured Property

203 Colonial Drive Suite 102 Horseheads, NY 14845 (O)607-795-2900

Vivian D. Schamel

Licensed RE Associate Broker (C)607-351-6933 vickischamel@kw.com

Theresa Marie Butler Licensed R.E. Salesperson (C)607-742-1385 tmbutler@kw.com

Watkins Glen

$1,395,000

1 Lakeview Avenue -Bed & Breakfast located in the historical Village of Watkins Glen. This 21 room, 15 Guest Room Victorian is beautifully restored with 2 bedrooms in a private Carriage House. Price includes the Real Estate Business and Furniture. Home overviews the Village of Watkins Glen and Seneca Lake, a popular tourist destination. This B&B offers guests quality accommodations, multiple sitting areas,a spacious gazebo, and panorama views of Seneca Lake in a quiet setting. The Finger Lakes Region is the Gateway to New York Award Winning Wineries and Attractions. Close proximity to Rochester, Corning, Ithaca.

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6 Design Trends To Heighten Your Home’s Style In 2015 As the new year kicks off, it’s the premier time to refresh and refocus on certain aspects of your life … and the home is no exception. Say goodbye to lackluster interiors as renowned interior designer and DIY television personality, Taniya Nayak, has forecasted the top trends for 2015 that will be sure to enhance and revive any home.

Deep, rich hues Be bold with shadowy and opulent tones; there are many ways to infuse a rich color scheme into your space. “Don’t be intimidated by dark hues,” says Nayak. “Incorporate shades from the same color family throughout a room with a coordinating accent wall, rug and decorative pieces - such as pillows and blankets. This creates a bold, yet harmonizing visual.”

“The concept of a ‘pop’ of color is blown up in 2015,” adds Nayak. “We’re seeing deep, rich hues adorning walls, lavishly upholstered furniture pieces, window treatments and area rugs. This year, we like to say ‘go bold or go home.’”

When painting with deep colors, imperfections are more visible than with lighter shades. To ensure your painting project is flawless, use FrogTape brand painter’s tape to achieve sharp paint lines. The tape is treated with patented PaintBlock Technology, which prevents paint bleed, leaving you with an impressive, crisp edge.

Gallery walls Create a room that’s uniquely yours by making a gallery wall with items of your choice. Display an array of mirrors, framed family photos, sketches or even postcards - the key is to be creative and be yourself!

“2015 is all about you,” Nayak explains. “Hanging a variety of frames or objects in a well thought-out cluster on the wall provides the perfect place to 18

LifeandHomes ■ Southern Tier

showcase pieces that are important and meaningful. When people walk into your home, they’ll know exactly what you love.”

Bold patterns in neutral colors Although neutrals provide a calm palette, it’s possible to infuse bold statements into these rooms, as well, with the use of patterns. Revitalize your room with a geometric rug in an earth tone, and also add window treatments with a daring floral design in a complementary, yet understated, color. When mixing prints, pair structured, linear patterns with organic ones for a look that’s polished, and not too “matchy.”

“This is a beautiful way to add drama and what appears to be ‘texture’ to a space,” adds Nayak.

60s mod The retro panache of mid-century modern decor will perk up rooms with its soft, sculptural lines, woven upholstery and bright accessories in geometric shapes. Search for vintage furniture pieces like rounded chairs and button-cushion couches with short, tapered legs to add a sense of authenticity.

“We are going retro mod - way back to the 60s where design was about curvy forms, vibrant colors and eccentric patterns,” Nayak says. “Be prepared to leave your design fears at the door and go full throttle with the bright and loud elements found in the mod movement. “

Organic elements This year, mount antlers above your mantel; or create centerpieces with shells, metallic leaves or branches for a rustic vibe. With these earthy components juxtaposed against woodsy furniture and ivory tones, you’ll create an impressive, outdoorsy aesthetic.

“It’s easy to bring nature and organic structures into your home,” Nayak assures. “Leave linear styles out of the equation. Instead, think of free flowing shapes, colors found in nature and the peaceful serenity associated with the outdoors.

The goal is to evoke the same emotional responses throughout your home.”

Copper “Each year we see a particular metal rise to the top of every designer’s list; and this year, it’s all about copper,” Nayak says.

Copper is a captivating metallic that adds a modern edge to even the simplest scheme. Small pieces make a big statement, so subtly pepper in copper pieces to your decor, like light fixtures, planters or table settings. Display copper cookware in your kitchen - it’s a great way to add a touch of glamour without being gaudy.

2015 is full of impressive design trends. Use Nayak’s expertise, and this year, your home will serve as a canvas for self-expression, creativity and style. (BPT)

Complete Women’s Health Care Caring Professionals Providing Care for Women • Normal & High Risk Obstetrics • Nurse Midwife • Menopause Center • Gynecology

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**PRENATAL CHIROPRACTIC CARE NOW AVAILABLE (BY APPOINTMENT) BRUCE A SUROSKY, M.D., F.A.C.O.G. KARYN F. NICKERSON, C.N.M., N.P. HELEN LAWSON, C.N.M.

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www.TwinTierWomensHealthTeam.com | www.TTWHT.com

1005 Walnut St, Elmira, NY | 607.734.3968

Trying to sell your house?

If you don’t see it in this issue of LifeandHomes™ you’re missing an opportunity to sell your house quicker and more effectively!

Talk with your realtor today and request that your house be highlighted in next month’s issue!

Thinking about selling your house?

Look through this issue and choose from some of the best Professional Realtors in the Southern Tier area who are actively advertising in this publication.

Be sure to tell them you found them in the LifeandHomes™ Magazine!

Creative and Effective Advertising $

25

for as little as a month

Contact Eryn Nickerson 607-742-0428 Eryn@LifeandHomes.com

www.LifeandHomes.com

We bring people and homes together.

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LifeandHomes â– Southern Tier

Corning

40 PYREX STREET

$198,000

City of Corning location, easy walking distance to Corning Inc. Headquarters, parks schools & Historic District. Enjoy lovely back yard & all this community has to offer.

MLS# R238134A

Painted Post 176 FOREST DRIVE

Corning

223 WALL STREET

$128,500

Remodeled, renovatd, refreshed & ready describes this family sized Tri-level. Amazing opportunity! Outside offers new siding, new windows, fenced yard, newer blacktop & the incredible inside awaits your inspection.

MLS#R238606U

$275,000

Outstanding Victorian with incredible original woodwork! A vestibule with dutch door, open stairway, pocket doors, stained glass, 2 fireplaces with gas inserts, wrap around porch, upstairs balcony off library. Newer roof. Fenced yard. Basement is brick, stone & concrete. Simply Amazing!

MLS# R236518A

Realty USA - Corning 71 Denison Parkway West Corning, NY 14830 Office: (607) 936-4663 x. 131

Nancy C. Dubendorfer Broker/Licensed R.E. Assoc.

(C) 607-769-0488

Mickey Masker

Results that move you!

Licensed Real Estate Agent Keller Williams Southern Tier & Finger Lakes 203 Colonial Drive, Suite 102 Horseheads NY 14845

cell:607-215-1943

office:607-795-2926 mickeymasker@kw.com

Elmira

$68,900 Elmira

718 Kinyon - This home on Elmira’s Southside is filled with charm. Start with maintenance free, a new roof and tilt in windows in 2007. New trex decking on front and back porches.

First floor laundry and what is currently used as a bedroom, but has been used for many things in the past, including a den,play room for the kids. Underneath the carpet is hardwood floors that have been protected (covered) for years. Formal dining room, upstairs there is a full bathroom along with 3 good sized bedrooms and a cedar lined closet. Central Air Conditioning just makes this house even more comfortable. DO NOT MISS!

$64,900 Elmira

905 Spruce -This darling 3 bedroom home just may be worth looking at. New windows and roof are just a couple of the updates. New kitchen and bath a couple more. Bath in the jacuzzi while looking up through the skylight at the stars. First floor laundry is another plus. A very private backyard is perfect for barbecue with friends and family.

$114,000

120 Grandview - This cape cod style home is in a very quaint, tree-lined neighborhood in the Town of Elmira. A charming family room with a working fireplace greets you as you enter. With a little elbow grease, the hardwood floors can be shining once again. Enjoy the privacy the backyard offers while sitting on the deck drinking your morning coffee while the dogs play. Just a few blocks to the Town Hall where there are ball fields, playgrounds, tennis courts and a community swimming pool. This affordable home is the perfect home for the growing family. Not sure this will last very long!

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LifeandHomes â– Southern Tier