Southern Central Tier NY
Life and and
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ptember Aprils e2010 2014
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We would like to thank all of our advertisers for helping us kick off our very
southern tier, NY Edition
first edition of the Southern Tier LifeandHomes™ publication! You have Published By Richard & toni g range r 607-742-2543 452 Milton St, Elmira NY 14904 toni@lifeandhomes.com
been wonderful to work with and we pray that we are building relationships to last for many years!
Thank you, each and every one!
Publication Franchisee, RMC Richa rd & toni g range r
Toni & Richard Granger Now, to take a moment to introduce ourselves to some of you who may not know who we are. We are Richard and Toni Granger. We’ve been married
Southern Tier LifeandHomes™
Real Estate Marketing Consultants
452 Milton St. Elmira NY 14904
607-742-2543 • Toni@lifeandhomes.com
607-742-2543
for 34 wonderful years! And we mean it when we say “wonderful” even though we’ve had some rocky moments, we appreciate them just as much as the good times we’ve enjoyed because they have shaped us into the team that we have become. God has blessed us with a wonderful relationship wherein we have become each other’s best friends. As we approach our retirement years we are starting the Southern Tier LifeandHomes™ franchise, not because we think it will be an easy job, but as another avenue in life that we can share together! For years Real Estate has been in our lives so we are very familiar with the needs of all parties involved in the transaction. Our goal is to bring a service
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into the community while increasing transactions for our advertisers using a
Contact David Lisi 315.865.5845 david@lifeandhomes.com
guide whether it is on line at www.lifeandhomes.com (Southern Tier region), or the print copy which is free to the public and found in hundreds of local
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Visit LifeandHomes.com/Southern-TierNY for Open House information, updated every Friday afternoon @ 4:30.
LifeandHomes' goal is to increase real estate, and real estate-related, transactions in our local area. We live here. We care. 2
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315-865-5845 Fax 1-315-865-7418 www.LifeandHomes.com/Southern-TierNY For franchise information call, 315-865-5845 LifeandHomes is published monthly by Lisi Merchant Solutions, Inc. 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 © 2014 Lisi Merchant Solutions, Inc.
LifeandHomes™ Franchise is a low cost, home-based, recurring revenue business model.
Enjoy the blessings that God gives you daily!
Richard & Toni Granger
October Issue September 5, 2014
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businesses in your community! We only ask that you contact our advertisers
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Our franchise system enables the franchisee to become the Real Estate Marketing Expert in their community. Contact Toni Granger 607-742-2543 LifeandHomes.net toni@lifeandhomes.com
Must-Know Mortgage Terms FICO Score: FICO is an abbreviation for Fair Isaac Corporation and refers to a person’s credit score based on credit history. Lenders and credit card companies use the number to decide if the person is likely to pay his or her bills. A credit score is evaluated using information from the three major credit bureaus and is usually between 300 and 850. “A” Loan or “A” Paper: a credit rating where the FICO score is 660 or above. There have been no late mortgage payments within a 12-month period. This is the best credit rating to have when entering into a new loan. “B” Loan or “B” Paper: FICO scores from 620 - 659. Factors include two 30 day late mortgage payments and two to three 30 day late installment loan payments in the last 12 months. No delinquencies over 60 days are allowed. Should be two to four years since a bankruptcy. Also referred to as Sub - Prime. “C” Loan or “C” Paper: FICO scores typically from 580 to 619. Factors include three to four 30 day late mortgage payments and four to six 30 day late installment loan payments or two to four 60 day late payments. Should be one to two years since bankruptcy. Also referred to as Sub - Prime. First Mortgage: the mortgage with first priority if the loan is not paid. Second Mortgage: an additional mortgage on property. In case of a default the first mortgage must be paid before the second mortgage. Second loans are more risky for the lender and usually carry a higher interest rate.
Balloon Loan or Mortgage: a mortgage that typically offers low rates for an initial period of time (usually 5, 7, or 10) years; after that time period elapses, the balance is due or is refinanced by the borrower. Biweekly Payment Mortgage: a mortgage paid twice a month instead of once a month, reducing the amount of interest to be paid on the loan. Convertible ARM: an adjustable-rate mortgage that provides the borrower the ability to convert to a fixed-rate within a specified time. Fixed-Rate Mortgage: a mortgage with payments that remain the same throughout the life of the loan because the interest rate and other terms are fixed and do not change. Graduated Payment Mortgages: mortgages that begin with lower monthly payments that get slowly larger over a period of years, eventually reaching a fixed level and remaining there for the life of the loan. Graduated payment loans may be good if you expect your annual income to increase. HECM (Reverse Mortgage): the reverse mortgage is used by senior homeowners age 62 and older to convert the equity in their home into monthly streams of income and/or a line of credit to be repaid when they no longer occupy the home. A lending institution such as a mortgage lender, bank, credit union or savings and loan association funds the FHA insured loan, commonly known as HECM.
Safe Firearm Storage
According to a study by the RAND Corporation, approximately 1.4 million homes have firearms stored in a way that makes them accessible to the wrong hands – children, at-risk youth, potential thieves, and those who intend to harm themselves or others. To help you find the best safe storage solution for the firearms in your household, the National Crime Prevention Council suggests some of the most readily-available storage solutions. *A trigger lock can be used to keep someone from being able to pull the trigger. Trigger locks are available in a variety of configurations, from basic key lock options to those that require combinations to open the lock. * The cable lock can be used on most firearms. The cable is most often placed through the gun barrel, which generally impedes loading and firing. * Storage cases come in various sizes and can be used for both storing and locking up a firearm. The case can be locked, but the lock must often be purchased separately. *A lock box is like a small safe that allows you to store your firearm safely and securely via key or combination lock or by a digital keypad, to prevent unauthorized access to the firearm. * Gun safes comes in a number of sizes to accommodate long guns and includes spaces for storing handguns as well and have the option of a combination lock or digital keypad to lock it. For more safety information, visit ncpc.org
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Intermediate Term Mortgage: a mortgage loan with a contractual maturity from the time of purchase equal to or less than 20 years.
Lock It Up -
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Assumable Mortgage: when a home is sold, the seller may be able to transfer the mortgage to the new buyer. This means the mortgage is assumable.
Lenders generally require a credit review of the new borrower and may charge a fee for the assumption. Some mortgages contain a due-on-sale clause, which means that the mortgage may not be transferable to a new buyer. Instead, the lender may make you pay the entire balance that is due when you sell the home. An assumable mortgage can help you attract buyers if you sell your home.
Two Step Mortgage: an adjustable-rate mortgage (ARM) that has one interest rate for the first five to seven years of its term and a different interest rate for the remainder of the term. (HUD.gov)
September
ARM: Adjustable Rate Mortgage; a mortgage loan subject to changes in interest rates; when rates change, ARM monthly payments increase or decrease at intervals determined by the lender; the change in monthly payment amount, however, is usually subject to a cap.
newsShorts
newsShorts
Free Money ‘Cause everyone loves FREE stuff: Swagbucks is a free site that offers you a bunch of ways to earn “Swagbucks” which can be redeemed for cash & gift cards. You can earn by answering polls, taking surveys, doing simple tasks online, and even trading in old video games or books. Ebates and Big Crumbs are free programs that give you up to 25% cash back for purchases that you make online. (Source: ChristianPF.com)
Only Certain Home Improvements Pay Off The Appraisal Institute (AI) encourages homeowners to exercise good judgment when deciding which home improvement projects to take on, saying that not all renovations enhance property values. “It’s very important that renovations stay within, but not exceed, community norms,” says AI President Ken P. Wilson. “If they don’t match what’s standard in a community, owners could have difficulty recouping their investment when selling the property.” According to Remodeling magazine’s most recent Cost vs Value report, some of the projects with the highest expected return on investment are entry door replacement (steel), deck addition (wood), garage door replacement, attic bedroom and minor kitchen remodel. Other renovations with high expected pay-offs include window replacement
Wilson advises homeowners that it may be best to hold off on major renovations if they aren’t sure how long they will be in the home. The longer a homeowner stays in a property, the greater the opportunity for a return on investment, he says. “And cost does not necessarily equal value.” For an unbiased analysis of what their home would be worth both before and after an improvement project, a homeowner can work with a professional real estate appraiser – such as a Designated member of the Appraisal Institute – to conduct a feasibility study. During a feasibility study, the appraiser will analyze the homeowner’s property, weigh the cost of rehabilitation and provide an estimate of the property’s value before and after the improvement. Some green and energy-efficient renovations, such as adding Energy Star appliances and extra insulation, are likely to pay the homeowner back in lowered utility bills relatively quickly. Lower utility costs also are a draw for potential homebuyers. When appraising a home, the appraiser evaluates local supply and demand for green and energy-efficient properties and features. The Appraisal Institute offers a free, informative brochure titled “Remodeling and Rehabbing” at www.appraisalinstitute.org
August has been dubbed National Curb Appeal Month and it’s dedicated to helping homeowners add value to their home’s exterior. According to real estate experts great curb appeal can add 15-20% of value to a home while poor curb appeal can devalue a home by 10%. Different curb appeal elements, such as wellmaintained shrubbery, decorative millwork and trim, colorful plants and a appealing front entryway can have a fast, positive impact on home buyers, according to Niki Decker of Fypon. “If you’re putting your house on the market, curb appeal is critical because it’s the first impression for potential buyers. That’s why exterior replacement projects can offer the biggest bang for your buck,” says Matt Minerd of Simonton Windows. “You can recoup almost 80 percent of your cost when replacing your entry doors or windows.” Something as simple as adding color to your front door, shutters and trim can play a major role in creating curb appeal. Other appeal elements you’ll want to consider include: * Making sure all windows are sparkling clean * Cleaning/resurfacing your walkways * Fixing any sagging fences or worn mailboxes * Adding outdoor lighting For more curb appeal tips and information on National Curb appeal month, visit blog.simonton.com (HIT)
Southern Tier
PROGRAM SCHEDULE LifeandHomes Round Table 6am-9am
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(wood and vinyl), siding replacement (vinyl) and basement remodel.
Stand Out Curb Appeal Tips
NETWORK
The Wealth Report 3pm-3:30pm The Dirt Doctor 4pm-5pm
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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 .
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Join the conversation of hope People who care, combatting teen suicide and self-injury! Join us in the fight!
iMatter Spaghetti Dinner Fundraiser • 4 – 7 pm The American Legion • 71 Old Ithaca Road • Horseheads The 4th Tuesday of Every Month
imatterfest.com • info@imatterfest.com • We Will Not Lose Hope
Absolute Splendor located on the Buff!
4570 Vine Road Penn Yan, NY 14527
Only $370,900 September
This contemporary home consists of 9± usable acres and rests approximately five miles south of Penn Yan on the Keuka Lake Bluff. Entirely surrounded by woods & vineyards, the property is incredibly private and almost hidden from the main road. This five bedroom home is in the middle of Finger lake country, Near Keuka Lake State Park and the Finger Lakes Wine Trail!! This home also boasts a beautiful stone fireplace with open cathedral ceilings throughout. Great for entertaining and enjoying the Sunrise over Keuka Lake. Enjoy the large atrium style dining room or just relax.
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Licensed Real Estate Salesperson
607-215-5214
www.Life and Homes .com
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John J. Hooper
realty UsA / Horseheads Office 2783 Westinghouse rd Horseheads, NY 14845 Office (607)739-1444
What Makes Twin Tier Mortgage Different? 1. It’s Easy, It’s Fast, It’s Free!
www.TwinTierMortgage.com Application Approval in 1 Day!
2. We do the shopping for you!
“Why spend days applying with multiple banks when we do that for you?”
108 Lake St, Elmira, NY 14901
607.732.7433 1.800.393.2404
3. No Lender Fees
“You never pay any lender fees with us… That’s right…NO feeas!
4. We Nurture!
“If you don’t have the qualifying FICO score today, we have the technology to get you there tomorrow”
5. 24/7 Service
L i f e and H o m e s
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Southern Tier
“Bet the other loan officer won’t be available evenings and weekends!”
Put the Power of a Mortgage Broker to work for you! 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 .
September â–
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LifeandHomes.com
For more information on any of these houses, visit www.LifeandHomes.com and type in the QSN#
Open Market Listing Service™
Alpine
$199,000 2663 Cool Lea Camp Road
Montour Falls
2 Bedrooms / 2.0 Baths
3 Bedrooms / 2.0 Baths
QSN #346531
$154,900
4416 Drew Road QSN #346532
Signature Properties Diane M. Thatcher
KellerWilliams Realty SouthernTier & Finger Lakes
Diane G. Klugo
Lic RE Salesperson
Lic RE Salesperson
607-765-0525
607-483-5052
Diane@SignaturePropertiesRE.com
Burdett
dklugo1@kw.com
Painted Post
$449,000
3903 North Falls Road
$106,000
3 Lac Lane
3 Bedrooms / 2.0 Baths
3 Bedrooms / 1.0 Baths
QSN #346533
QSN #346526
Richard Winters Real Estate Bonnie L. Winters
KellerWilliams Realty SouthernTier & Finger Lakes
Diane G. Klugo Lic RE Salesperson
Lic.R.E. Broker
607-483-5052
607-937-5438
dklugo1@kw.com
Corning
rwintersre@stny.rr.com
Painted Post
$157,900
11947 St Rte 352
$137,900
117 Keefe Blvd
5 Bedrooms / 3.0 Baths QSN #342826
2 Bedrooms / 2.5 Baths QSN #346527
LifeandHomes.com Toni Granger
Richard Winters Real Estate Bonnie L. Winters
Presentor
Lic.R.E. Broker
607-731-8298
607-937-5438
Toni@LifeandHomes.com
Corning
rwintersre@stny.rr.com
Pine City
$97,500
71 Norman Street
8 Rolling Acres Road
3 Bedrooms / 1.0 Baths
3 Bedrooms / 1.0 Baths
QSN #346528
QSN #346529
Richard Winters Real Estate Bonnie L. Winters
Elmira
Lic.R.E. Broker
Lic RE Salesperson
607-765-0525
Diane@SignaturePropertiesRE.com
Alpine
$154,900
$199,000 2663 Cool Lea Camp Road
74 Scott Avenue 4 Bedrooms / 2.0 Baths
2 Bedrooms / 2.0 Baths
QSN #346530
QSN #346531
Signature Properties Diane M. Thatcher
Southern Tier
J&M
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Power Washing Painting & Window Cleaning Jerome Shope (607) 426-8711 jmpowerwashing@ymail.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 .
Signature Properties Diane M. Thatcher
Lic RE Salesperson
Lic RE Salesperson
607-765-0525
607-765-0525
Diane@SignaturePropertiesRE.com
L i f e and H o m e s
Signature Properties Diane M. Thatcher
607-937-5438
rwintersre@stny.rr.com
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$99,000
Diane@SignaturePropertiesRE.com
Mary Rose McDonald Licensed RE Salesperson Specializing in
Negotiations for MY Buyers & Sellers!
(C) 607-731-7036 Elmira Office
215 West Church St Elmira, NY 14901 (O) 607-733-2700
Katherine Peterson Sales Associate
(C) 607-329-5460
HATFIELD Real Estate 607-795-1443 www.HATFIELDRE.com 452 Milton St, Elmira NY 14904 Always an agent on call! Call Today!
Hardwood Flooring Trends The recovering U.S. housing market has led to increased demand for certain luxury items, including hardwood flooring. Exciting trends are influencing the marketplace and for today’s consumers, there are more hardwood flooring options than ever before. “Savvy consumers want variety and flexibility in their flooring choices,” says Linda Jovanovich of the American Hardwood Information Center. “With American hardwood species running the gamut of color and because hardwood is a product that can adapt to many different decorating styles and decors, hardwood provides a degree of diversity, as well as long-term value, that cannot be matched by other flooring materials.” From the trend-watchers at independent market research firm, Market Insights Torcivia, and the National Wood Flooring Association, look at what’s trending now.
A touch of the creative * Using multiple wood species is very popular, typically using one species in the main field of the room, then introducing other contrasting species incorporated as a border or other subtle design elements in the room. * Mixed media incorporates hardwood with other flooring options like stone, tile, carpet or even metal. This approach often helps to define different seating or functional areas within a large, open space.
Associate Broker
607-795-1443 www.HATFIELDRE.com 452 Milton St, Elmira NY 14904 Always an agent on call! Call Today!
* Distressed flooring - hand-scraping the boards will achieve an antiqued look while, at the same time, hiding small imperfections that can appear in flooring over time, like small scratches or dents.-This distressed effect can also be achieved in the factory.
John J. Hooper
The National Wood Flooring Association also reports that flooring manufacturers are introducing new lines geared to satisfy the emerging trends toward gray stains and finishes - ranging from very subtle to very dark - and metallic finishes. Metallic finishes incorporate softly shimmering metallic accents by embedding the metallic materials into the hardwood. The result is a pronounced grain that shimmers softly in contrast to the rest of the wood. As the U.S. economy continues to recover, more and more consumers will enhance their living spaces with flooring, cabinetry and other luxury items made from American Hardwoods, the ultimate in value, versatility and style. Browse the photo gallery of the American Hardwood Information Center at www.HardwoodInfo.com for inspiration. (BPT)
Licensed RE Salesperson
Michelle Burns
The One to Get it Done!
(C) 607-795-6673
(C) 607-215-5214 Horseheads Office
2783 Westinghouse Rd Horseheads, NY 14845 (O) 607-739-1444
Associate Broker
HATFIELD Real Estate 607-795-1443 www.HATFIELDRE.com 452 Milton St, Elmira NY 14904 Always an agent on call! Call Today!
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HATFIELD Real Estate
* Buyers are moving away from the traditional 2 1/4 inches strip floor to wider plank flooring, 3 inches and wider. Random width planks are also popular. This creates a very casual look, while utilizing more of the raw materials during the manufacturing process.
Stains and finishes
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(C) 607-738-3353
* Consumer preferences are gravitating toward darker species, like walnut, over the more traditional, medium-colored white and red oak. In many cases, however, existing oak floors are being refinished and stained to achieve this look without replacing the floor.
September
Jane Bubacz
* Installing wood floors, in a non-linear format, is increasingly popular as well. Custom parquet patterns can achieve this look but even traditional linear floors can accomplish the same goal by installing the linear pattern on a curve.
HATFIELD Real Estate
Thinking about selling?
607-795-1443
HATFIELD Real Estate
Always an agent on call! Call Today!
Stop in or call for more details!
www.HATFIELDRE.com 452 Milton St, Elmira NY 14904
Elmira
List your home with and we will charge
$500 less at closing!
$39,900 Elmira 415 Partridge Street Wow, talk about affordable! Makes a great rental or a great starter home! Fenced in back yard, freshly painted interior and exterior, new roof on garage, too! You’ll enjoy the floor plan of this home! It’s great for entertaining! The location is convenient for bus routes, schools and parks, shopping, employment, and dining! Get it while you can! At this price it won’t last long!
Elmira
$59,900 Elmira 89 Cleveland Ave Here is a home that offers a new owner a ton of creative options! A large home with good sized rooms, and versatility! There are more rooms than what are mentioned, but you as the new owner can decide how to use them and what to call them! Priced well below the assessment to get it sold fast! You’ll love the deep lot, the quiet location, and the affordable price!
Lowman
$49,900 Elmira
Southern Tier
858 Roberts Hollow Rd, Lot 72 This is a fabulous Double-Wide home located in a quiet park, in a rural setting! Close to I86 for easy commuting to Waverly, Horseheads, Ithaca, and Elmira! Absolutely the most beautiful Double Wide I’ve personally ever seen! Come see it for yourself!
Elmira
407 Fairway Ave Beautiful 2-3 bedroom, VERY well maintained home. New vinyl siding and windows (all but 2),new family room addition and deck in 2013, new water heater and furnace installed as well. Electric was updated to 200 amps at the same time. Make an appointment to see this gorgeous home and you will fall in love! All the hard work and attention to details has been done!!!
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$78,900 Wellsburg
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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 .
$74,900 532 Decker Ave Very large home with a wonderful floor plan, large rooms, nice quiet location and good sized lot! Great buy! Nice first time Buyer home, or fantastic Rental! The Seller is currently using it as rental for a family member who is extremely cooperative! Great storage in the basement too!
$64,900 1723 W Church WOW! Priced way below the assessment to move it fast! Great investment property or a nice starter home! Why rent when you could own this fine Cape Cod for much less than rent would be?! You’ll love the location, and all of the activities that the community has going on all year! This is a must see home!
$64,900 1064 College SELLING AS-IS WITH NO WARRANTIES IMPLIED OR EXPRESSED! Priced below assessment for a quick sale! Newer roof, boiler, copper ceiling in dining room, knotty pine kitchen, and more is what you will find in this huge brick home! Many possibilities with the floor plan, great for offices (check with zoning), great for the large family that needs space for everyone and everything!
$20,000 926 Hoffman Hollow Rd (Lot 215) Here is a 3 bed/2 full bath, handicap accessible home ready to fit your needs! Master bath & bedroom are all set up to make your life with challenges a whole lot less challenging! Easy access from Waverly, Elmira, Ithaca too! Only minutes to I86, close to a Park & Ride for carpooling, CTRANS Tioga Run is here too!. You’ll enjoy the ride home through every season with the picturesque views of the hills, fields, and the Chemung River!
HATFIELD Real Estate
Thinking about selling?
607-795-1443
HATFIELD Real Estate
Always an agent on call! Call Today!
Stop in or call for more details!
www.HATFIELDRE.com 452 Milton St, Elmira NY 14904
Elmira
List your home with and we will charge
$500 less at closing!
$95,900 Elmira 430 Broadway Five Units, Fully occupied, parking in rear, money maker! It’s a must see, easy to keep rented, large eat in kitchens in two apartments. Owner wants it sold! Brings in $1800/mo! Get ready to make money!
Elmira
607 W Water St Two units, fully occupied with good clean tenants happy to have large apartments that look nice! SELLER IS MOTIVATED! Separate utilities, huge storage building in back (could be an additional rental space), easy to keep rented, too! This is a must see property if you are looking for money making homes!
$67,900 Elmira 306-308 Sly St COMMERCIAL Property with 5 rented units, bringing in $2325 monthly! Five Units in One Building = Easy to collect rents, easy to make it pay for itself, and only one lawn to maintain! MOTIVATED SELLER! Priced low, long distance seller is trying to liquidate his properties! Get it while you can! Selling As-Is
Pine City
$47,900
$55,000 355 W Gray Street FULLY OCCUPIED, SEPARATE UTILITIES, VERY GOOD INVESTMENT! Outside is impressive and it turns a good profit even with low rents! Make it yours and make some money now and in the future! Currently bringing in $1275, separate utilities too!
$164,900 Corning
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260 E Pulteney Street Beautiful home located on a dead end street. Historic barn which will provide for all your storage needs. Numerous updates have been done, including updated elec service, blown in insulation added, new windows to 1st floor and basement(except 1st floor bedroom),new carpets in LR & upstairs BR, fresh paint. Stainless steel appliances.
September
876 Hittown Rd Huge rooms, abundant wild life, a pond, enormous garage, outer patio big enough for a family reunion, great room inside with a beautiful stone fire place, & 5 bedrooms all on the 2nd floor! Sure, she will need someone handy to bring her back to a state of beauty but there’s a lot to work with! There’s even a 2 story barn, pasture fields, a shed that would make a great pool cabana or play house.
$117,000
HATFIELD Real Estate
Thinking about selling?
607-795-1443
HATFIELD Real Estate
Always an agent on call! Call Today!
Stop in or call for more details!
www.HATFIELDRE.com 452 Milton St, Elmira NY 14904
Horseheads
List your home with and we will charge
$500 less at closing!
$105,900 Elmira 120 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, well pump too! Convenience of being minutes away from Ithaca, Corning, Watkins, Horseheads, Elmira & Waverly! Relax on the open deck while BBQing your dinner or entertaining guests!
Corning
955 Bridgman Move Right In! New kitchen, furnace, windows, flooring, third bedroom, paved drive, covered back deck, freshly painted inside and out, clean as a whistle! Basement is Clean & Dry! Great enclosed front porch for daily enjoyment and fireplace for cozy nights! You’ll enjoy the natural woodwork and built-ins! Within walking distance to Arnot Hosp. Schools, Bus Route, Shopping & Dining!
$157,900 Elmira 11947 St Rte 352 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 & more! Need an in-law suite? Add a kitchenette and you have one!
Southern Tier
Pine City
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$109,900 459 Maple Ave Beautiful victorian home, on the national register of historic places, 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, hardwood floors, fireplace in master bedroom w/porch. New furnace With central air in 2006, roof done in 2005. House has some new windows.
$117,900 Land 1001 Furman You will love living here! Large rooms, nice sized yard at the end of a quiet street, 3 season room, finish-able basement, many rooms freshly painted, easy location to get to everywhere! Just a few cosmetic changes and this home could be all you! There are hardwood floors under carpet but the condition is unknown. It’s virtually a blank slate! Selling as - is.
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$74,900
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 .
0 CURTIS STREET ELMIRA, NY 14904 2 lots for the price of 1! $12,000 113 W THIRD ST ELMIRA, NY 14901 High Visibility, commercially zoned, $13,900 371 W WATER STREET ELMIRA, NY 14905 Need a parking lot? $8,250 913 LAKE ST ELMIRA, NY 14901 Expand, expand! $1,500 0 BENNETT STREET ELMIRA, NY 14904 Increase the value of your home! $2,500
B o w e r s & A s s o c i at e s I n s u r a n c e Offering Comprehensive Coverage & Competitive Pricing for all Lines of Insurance: •
Business Insurance Packages for Contractors & Small Business Owners
• Personal Home • Auto
• Umbrella
• Recreational Vehicles
OVER
Locally owned & operated since 1998! Robert & Alicia Bowers
607-962-6596
31 Jennings Street, Corning bowersandassocins@hotmail.com
Your small business is our big business!
151 Horton Nichols, NY 13812 $392,000 An absolutely beautiful home with stunning views overlooking the pond and horse farm. This is everything the nature lover could ask for and more. The location is private and is yet convenient to shopping and Interstate 86. This beautifully manicured home and horse farm is also just 5 miles to the Tioga Downs Racino. Enjoy the excitement of the track with friends and then either come home to peace and tranquility or invite them over to enjoy the outdoor fireplace with patio and large yard. This is the perfect place to escape and entertain. Priced right with over 23 acres of land included!
September ■
Licensed Real Estate Broker
Advantage
2898 Westinghouse Rd. Ste. 528 Horseheads, NY 14845
(607) 358-7313
Start your home search at REMAX.com!
www.Life and Homes .com
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L i f e and H o m e s
Jonathan Lerche
Laurel Management Karen Johnson Broker/Owner
22 North Main St, Spencer, NY 14883 Cell (607)738-7064
laurelprops@gmail.com
Erin
$84,900
Van Etten
$175,000
Waverly
$137,500
$144,900
Waverly
$64,900
Spencer
$149,000
$75,000
Van Etten
$149,000
Lockwood
$110,000
1240 Breesport Road - Charming, clean, well maintained two story farmhouse with eat-in kitchen, spacious yard, first floor laundry, mudroom. Seller has owned as a rental home for many years and is now anxious to sell and enjoy retirement. New furnace installed 12/13, new septic tank 7/14.
Spencer
Southern Tier
345 Owl Creek Road - This wonderful country home tucked away in a private setting, all on 6.7 acres of land, is convenient to Ithaca, Waverly & Sayre! It has large rooms, first floor master with bath, large living with fireplace, dining room, and country kitchen with cherry cabinets. Two large upstairs bedrooms offer plenty of space for a growing family. The barn also offers many possibilities. Included is a separate lot across the road with its own well.
Watkins Glen
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3467 County Road 28- Country setting with 1.6 acres, beautiful property, just minutes from the village of Watkins Glen, near the lake, wineries, near hiking. Many of the updates have been started for you.
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108 Main Street- This home has room for a growing family, and lots of charm. First floor rooms and second floor bedrooms open onto large private covered porch. Great country kitchen with stainless steel appliances, formal dining room, living room, and family room. First floor bedroom with bath. Fully insulated, new windows, pellet & wood stoves. Attached heated and insulated garage has room for two cars and workshop.
59 RT 34- Great starter home or for rental income. Private yard, garage with storage loft. Barn behind house. House has nice woodwork and enclosed porch across front of house. You can own this home for less than the cost of rent.
9 Clark Ave. - This home has been totally redone from top to bottom and is like a new home! Great new kitchen with cathedral ceiling, wonderful wood floors, new carpet, fresh paint, new furnace, new siding, windows and insulation. Plenty of room for a growing family and only a few hundred feet from elementary school with playground and ball fields. Fabulous oversized garage has room for several cars and a lot more! Quiet street in lovely village, part of active SVE community.
57 Rt 34 - Great as a starter home or for a growing family. Has abundant woodwork, nicely updated kitchen and newer appliances, all new energy efficient furnace and hot water heating system and is well insulated. Lovely fenced in private patio area on side of house with great garden pond. Large garage out back with plenty of room for a workshop. The best thing this property offers is the wonderful private acreage out back. You have to walk out there to appreciate the beauty and privacy!
125 Owl Creek Road - If you like privacy then this lovely bungalow nestled in the woods, and overlooks a pond, sitting on ten acres is for you! Large kitchen & living area, covered porch and Florida room allow you to enjoy the outdoors no matter what the weather. If it’s cold make a fire in the fireplace! Self-venting propane heater provides the main source of heat for the home with electric as a backup. Owner owns additional acreage that he is willing to offer for sale.
301 Edgecomb Hill Road -If you have been looking for a beautiful country haven then come check this property out! This home sits on a wonderful tree lined lot with covered porch overlooking a great pond. Included are several storage buildings including a pole barn/garage with shelving all around and a nice camper. Home has spacious living area, mudroom. Convenient to Waverly/Sayre, Elmira and Ithaca.
Park Your Mobile Homes here!
To Advertise YOUR Mobile Home in this space, call Southern Tier LifeandHomes™ at 608-742-2543 or email STLandH@yahoo.com
926 Hoffman Hollow Rd, Lot 215 Lowman NY
ONLY $20,000
Handicap accessible, Master bed and bath all set up for your needs! Ramp under cover to keep you out of the weather when loading and unloading from vehicles, covered front porch and back porch. Cathedral Ceilings, Open floor plan, quiet, well-kept park, close to I86, Park and Ride, scenic views! 1996 14x67 3 beds/2full baths. Available Now! Call Toni Granger • Hatfield Real Estate • 607-795-1443 • 452 Milton St, Elmira NY 14904
858 Robert Hollow Rd, Lot 72 Welssburg, NY
ONLY $49,000
What a beautiful double wide! So well taken care of that you’ll think everything is brand new! Huge rooms, Cathedral ceilings, Open Floor Plan, Kitchen, Dining, Living room with wood fire place, Family room, Laundry room, Huge Master Suite & Bath, Two other very good sized bedrooms and full bath for them! Must See! Call Toni Granger • Hatfield Real Estate • 607-795-1443 • 452 Milton St, Elmira NY 14904
Lifeandhomes.com $85,000
$124,900
$129,000
$50,000
County Rd 2, Hector
County Rd 10, Alpine
Satterly Hill Rd, Burdett
Shorewood Dr., Hammondsport Texas Hollow, Burdett 4 Bedroom, 1.5 Bathroom, 800 Sq. Ft., 10’ Lakefront (Waneta) Level Lakefront, Removable Dock
3 Bedroom, 1 Bathroom 1054 Sq. Ft., 8.23 Acres Secluded Wooded Property
State Route 14, Rock Stream
$179,900
$279,900
$349,000
$250,000
$249,000
$192,000
County Road 4, Burdett
State Route 14, Rock Stream
State Rte 227, Trumansburg
County Road 7, Burdett
Drew Road, Montour Falls
Caywood Shores Road, Lodi
1 Bedroom, 1 Bathroom Bungalow on 1.05 Acres Near the National Forest!
3 Bedroom, 1.5 Bathroom, 1629 Sq. Ft.,1.6 Acres, 2 Story Potential Apartment House.
$325,000
7 Bedroom, 6 Bathroom, 3428 Sq. Ft., 3.4 Acres, Current Bed & Breakfast
September
2736 Sq. Ft., 1.99 Acres, Warehouse with 2 Barns, Delivery Door & Security System.
$119,900
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Wine Trail Bed & Breakfast 5 Bedrooms, Bathrooms 3+ Acres with Lake Views!
10 Unit Mobile Home Site 87.89 Acres, Electric Installed, Telephone Available
New Construction Home with Panoramic Views. 6 Acres. 2 Bedrooms, 3 Bathrooms
2 Bedroom, 2 Bathroom, 2494 Sq. Ft., 17 Acres Attached 2 Car Garage
www.Life and Homes .com
2 Bedroom, 1 Bathroom, 672 Sq. Ft., 40’ Lakefront (Seneca), Lake Access Steps & Dock
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L i f e and H o m e s
3 Bedroom, 2 Bathroom, 1560 Sq. Ft., 11.83 Acres, Attached 2 Car Garage
Southern Tier â–
L i f e and H o m e s
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