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september April 2010 2014

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Garage Parker

Syracuse NY, Edition

Published By LISI MERCHANT SOLUTIONS, INC.

Hard as I try not to let it happen, as soon as I turn the calendar to August, thoughts of prepping for winter start crowding my mind.

Publication Franchisee, RMC David P. L isi

We’ve been tackling a few outdoor projects this summer, trying

Corporate Editor Kim Lisi

to get some of the must-do items off the list while the weather

Kim@LifeandHomes.com

(mostly) cooperates. Next on my list is the garage. Nothing cra-

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zy. Just a couple trips to the dump, and some general cleaning

PO Box 18 Holland Patent, NY 13354

and organizing. You can purchase some great organization sys-

Account Executive Tina Plevritis

tems for your garage at most hardware and home good retail outlets. Heavy duty hooks and holders can help you get much of

Stephanie Schilling, RMC Tina Plevritis, RMC

the clutter off the floor while shelves and/or cabinets will help 315-527-1315 steph@lifeandhomes.com keep items where they are easily accessible.

315-737-8228 tina@lifeandhomes.com

Stephanie S chillin g 315-527-1315 steph@lifeandhomes.com

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October Issue September 12, 2014

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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.

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 -

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.

L i f e and H o m e s

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.

Join the Conversation: Go to www.facebook.com/ pages/Lifeandhomes-Syracuse to leave your thoughts on this and other articles.

For more safety information, visit ncpc.org www.Life and Homes .com

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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.

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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 Join the Conversation: Go to www.facebook.com/ pages/Lifeandhomes-Syracuse to leave your thoughts on this and other articles.

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)

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$259,900 Manlius

$259,900 East Syracuse

Clay

$154,900 East Syracuse

$242,900 Syracuse

Lysander

$124,900 Onondaga

$224,900 Clay

Canastota

$209,000 Sedgwick

$174,900 Sullivan

Contemporary on 5.5 acres, family rm w/ stone fireplace and soaring ceilings, hardwood flrs, oversized wraparound deck. Very private setting yet close to village of Fayetteville. Two new furnaces & CA. MLS # S308115

Well maintained home, beautiful landscaped yard.

New roof, furnace, CA, interior freshly painted.

Hardwood flrs. Family rm w/brick woodburning frpl.

MLS # S307547

Very attractive village home only 7 years young.

Nice rear yard. Large bedrooms plus 2nd flr den/ office. Large closets for storage. CA. Great location to all village conveniences. MLS # S317659

Gorgeous contemporary on beautiful wooded site with stream. Finished walkout lower level. Master bedroom suite. Gleaming hardwoods, vaulted ceilings.Very special home. MLS # S310913

Exceptional Fremont Meadows home w/contemporary flair. Great cul-de-sac location. Main flr BR/Office/Den. Gorgeous granite kitchen w/stainless appls. All custom window treatments. Excellent location. MLS # S315531

BuxtonWoods home in Marcellus school dist. Beautiful yard w/ privacy. EIK w/maple cabinetry, ceramic flooring, walk-in pantry. Formal DR w/hardwoods. Main flr FR + lower level. CA + whole house generator. MLS # S311193

$164,500 Fayetteville

$179,900 Marcellus

$239,900

$164,900 Fayetteville

$179,900

$239,900 Manlius

$199,900 Cicero

$144,900

$250,000 Syracuse

$190,000 Manlius

$309,900

Distinctly different home on wooded lot in ESM schools.

Cul-de-sac Soaring ceilings, large windows, 3 full baths, flexible floor plan. Contemporary flair. Light & bright breakfast area. MLS # S310101

Peaceful & private setting in this 3 BR and 2 full bath colonial. Completely renovated & updated. Detached 2.5 car garage on over 3/4 acres in ESM school district.

Close to all amenities you need. MLS # S302714

$84,900 Cicero

Well maintained colonial with many updates in kitchen and baths. Low monthly budget amt for utilities. Brick frpl, hardwood flrs, fully fenced yard. Newer appliances.

MLS # S310243

Custom built ranch with“top of the line”finishes. Fully fenced yard.Wrap around deck w/pergola. Cherry kitchen w/large center island & breakfast bar. Granite countertops.

Beautiful fireplace. 33x24 Garage w/ sink. MLS # S313368

Outstanding colonial close to Oneida Lk. New flooring & carpeting in many rms. Nice sized FR with gas frpl and slider to large deck. Nicely landscaped. Kitchen has spacious eating area, breakfast bar & pantry. MLS # S311860

Privacy & conveniences of village living. Deep park-like yard. 2+ acre property. 2 car attached garage plus single car detached. Many updates in kitchen & bathrooms. Hi-E furnace + CA.Whole house generator. MLS # S310125

Lovely colonial inVillage of Marcellus.Tranquil setting w/ deck overlooking beautiful landscaped grounds. Extensive hardwood flrs. Attractive oak kitchen w/pantry. Main flr family rm w/ gas frpl.Very nice quality. MLS # S317958

Brookside colonial w/fully fenced yard. Lovely sun room and deck. Hardwood flrs. Large kitchen w/spacious dining area. Family rm w/woodburning fireplace. One year warranty for buyer. MLS # S313464

Very nice patio style townhouse in The Pastures. Vaulted ceilings. Open floor plan. Master bathroom has large step in shower. CA. Huge basement. Deck overlooks large yard. Close to shopping & Oneida Lk. MLS # S312023

September

Manlius

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Stately brick 3 bedroom colonial. Large EIK, formal dining room, main flr family rm, living rm w/fireplace, hardwood flrs, space for office/den, 2 car garage, water feature and koi pond. MLS # S295617

Oversized cape on approx. 34 acres. Vaulted ceilings & 2nd flr bridge overlooking FR. Large working kitchen with plenty of dining space. 3 full baths. 1st floor master bedroom. 2 tiered deck with gazebo. MLS # S307572

Large brick ranch in Bradford Hills. Open floor plan.

Lower level in-law apt w/kitchenette and full bath.

Refinished hardwood floors. Master bedroom/bath.

Almost half acre lot. MLS # S309209

Special ErieVillage home w/waterfront views. Extensive hardwood flooring. Gated front entry w/brick paver patio.

Deck faces water. Spacious study w/gas frpl and custom built bookshelves. Prime location. MLS # S313819

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L i f e and H o m e s

Lakefront with 3 bedrooms, 2 full baths on South Shore of Oneida Lk. 4 Season front room, located at end of road and over 1/2 acre. Many updates. Private get-away. MLS # S310606

NY State’s Leader in Modular Home Construction.

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www.americanhomes.info www.facebook.com/americanhomescny Syracuse 315-698-1600 Weedsport 315-834-6033 Freeville 607-347-4600 Building lots available in the Liverpool, North Syracuse and Cazenovia School Districts Contact Marc 315-698-1600 x 20 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 .

The Saranac

Ila Allen RE Salesperson 391-3204

Diana Ingraham Milkovic

RE Broker 345-7866

Amy Casper RE Salesperson 427-4338

Jeanne Johnson-Brown RE Salesperson 836-8150

Bobbi Claps RE Salesperson 729-8782

Gary Jones RE Salesperson 561-9126

Joseph Costello RE Salesperson 559-1031

Beatrice Maher Assoc. RE Broker 575-0590

Andrew DiGiacomo Assoc. RE Broker 480-3095

Stephen Murphy RE Salesperson 447-4441

Tracey Graser RE Salesperson 569-7566

Tawny Palmer RE Salesperson 289-7803

Diane Hart RE Salesperson 395-3597

Dawn Perry RE Salesperson 430-0021

Len Rao RE Salesperson 395-1946

Susan Smith RE Salesperson 439-9874

Clay

$138,900

Henderson Waterfront

$549,000

Oswego River

$279,900

Lysander

Williamstown

$249,000

Baldwinsville Schools

$214,900

West Monroe

$199,000

North Syracuse

Manlius

$109,900

Chittenango

$119,900

Salina

$114,900

Hastings

S lovely 4 level split, 3 bedrooms, 2 fireplaces, huge family room. Sought after location. MLS #S313563

Completely remodeled home sits on beautiful scenic Kasoag Lake, could be a bed and breakfast.

MLS #S312675

Sought after location, charming ranch home, could be home office. MLS #S313935

“A little piece of paradise”. This stunning year round A Frame comes complete with 110 ft private sea wall and boasts a view of Lake Ontario from every room in the house! Outdoor deck the entire length of the house with hot tub off Master. MLS #S311221

Pristine Brick Front Colonial on a Cul De Sac. Brick paver walkway. Charming, full front porch. Open floor plan.

Spacious rooms, lots of hardwood floors. Family room w/ stone looking ceramic floors & gas fireplace. Gourmet cook’s dream kitchen, lots of cabinets. MLS #S307741

Fantastic 2200 sq ft ranch 4.6 Acres 30 x 30 pole barn.

12X16ft (2) story shed. 1 year old kitchen. Central air, water filtration system with reverse osmosis. 1st floor laundry. MLS #S311799

Beautifully remodeled Single Story Home. Newly finished hardwood floors, Corian counter tops and large deck with retractable awning. Bathroom updated with remodeled shower and vanity. New floors in the kitchen and bathroom as well. MLS #S316646

$274,900

Jessica Wiers RE Salesperson 439-9874

Lafayette

$249,900

$99,900

West Monroe

$144,900

$74,900

Hastings

$49,900

$540,000

Spafford

$91,000

WOW! Immaculate colonial on a pristine acre in wonderful location. Extremely well maintained by original owner.This home has been updated in the last 5 years with new architectural roof, high efficiency 2 stage furnace, water heater, and pool filter. MLS #S310738

Great home with two full baths, and a new roof.This home has a front porch and a back porch. It also has a detached 2 car garage with power. Low maintenance home with vinyl siding, and vinyl windows.

MLS#S303224

Come check out this charming home located in Central Square! This 3 bedroom / 2 full bath home is calling your name! Close to schools, Route 81 and local shopping! Bonus room addition, deck and Main level full bath are newer additions. MLS#S315221

Stunning four bedroom, builders own home on wooded private lot. Beautiful open concept kitchen/ dining room/living room with granite counter tops and beautiful crown molding. Deck off of kitchen to beautiful wooded backyard. MLS #S309602

Very well maintained split level with many UPDATES - ENERGY EFFICIENT WINDOWS, Floors, Interior paint, Bathrooms remodeled, new interior doors. Outside privacy with beautiful floral rock garden view and screened in porch. MLS #S307555

Have you ever wanted that unique property to remodel? Well now is your chance! Here is a white steeple country CHURCH with full finished basement and 1 bedroom apartment in the back! Get it now at this great price! MLS #S313850

September

Well cared for and Private 4 bedroom home in the village with a large corner lot. Everything has been done from the driveway to the fresh new carpeting in the bedrooms. All rooms also painted. Large eat-in Kitchen and adjoining dining room/office. MLS #S316333

Over 3000 sq ft all remodeled in the last 3 years.

Not your cookie cutter home, don’t let the exterior deceive you. Four fireplaces, open floor plan, Gourmet kitchen with solid surface counters, cathedral ceilings, fabulous master suite with jacuzzi and water view.

Stacey Washburn RE Salesperson 406-5913

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$49,900

Why rent when you can buy! Don’t want student housing? Maybe this is the place.This little charmer is in excellent condition and sits on a quiet street. Close to everything you need, Green Hills is just down the road.

Very clean and updated. MLS #S311108

Cicero

$79,900

ATTENTION BOATERS, FISHERMAN, KAYAKERS and SNOWMOBILERS! Come check out this charming, well maintained home located on a corner lot on Lakeshore rd. in Cicero. This 2 bedroom possibly 3 bedroom is close to Oneida Lake. MLS #S315594

Clay

$157,500

This move in ready town home is a must see! End unit with large side yard and deck. Inside is recently painted with beautiful hardwoods throughout the downstairs.

Two bedrooms and full baths.The master has a huge walk in closet and whirlpool tub. MLS #S307089

Marcellus

Lots of potential! One of the original structures in the Village of Marcellus. 3 rented apartments upstairs, a pizza shop & a coffee shop downstairs. Tons of unused storage outback could be storage units.

Motivated seller! Make an offer! MLS #S300179

This rural location will give you plenty of peace and quiet but is close to Song Mountain and Otisco Lake.

With the well and septic already in place, it is ready to go. The barn allows plenty of storage room or even horses. No sign on the property. MLS #S316885

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L i f e and H o m e s

Onondaga

Linda Crawford Licensed Real Estate Salesperson

315-420-7197 (C) 315-682-7197 (O)

100 E. Seneca St. Manlius, NY 13104

linda.crawford@huntrealestate.com

Cazenovia

$1,299,900 Manlius

SPECIAL OFFERING…STATELYWATERFRONT SLATE ROOFED COLONIAL w/ONE OF A KIND COTTAGE BOATHOUSE.This waterside cottage is host to beautiful views N,S&W & includes a kitchen, full bath & woodstove. In the 3800 sq. ft. main house enjoy waterfront views from almost every room in the house. Expansive 1 acre lot & 177 ft of lake frontage. MLS#S314878

$895,000 Cazenovia

$489,900

$245,000

One of a kind home gorgeous 6 acre setting w/ private drive and westerly views across the valley. Stunning entry opens to an Umbrecht style stone hearth fireplace, the focal point of the generous sized great room enhanced w/ rich wood molding &soring wood embossed ceiling.

Kitchen is a cooks dream w/granite topped counters. MLS#S306458

Sunsets are the backdrop for this exquisite 19 acre Cazenovia horsefarm.

5 Stall barn, Large Indoor, 3 paddocks outdoor ring and riding trails.

2300sq.ft.modern ranch’s open floor plan lets in lots of natural light.

Granite island in the kitchen and master suite w/ French door to deck all overlooking pastures, riding ring and wooded backdrop MLS# S306119

Manlius

$359,900 Manlius

$309,900 Baldwinsville

Manlius

$214,900 Manlius

$139,900 Dewitt

Absolutely perfect home on private wooded lot w/southern style front porch perfect for sipping lemonade and enjoying the treetop views(two lots across the street included in sale) Inside the house boasts an open floor plan, fireplace, gleaming newly refinished hardwood floors on the 1st floor, granite topped island in the kitchen. MLS#S315533

Fabulous contempory on spacious private lot on cul de sac. Open floor plan w/ catherdral ceilings. Fireplaces in both living room & family room.

Spacious deck off eat in kitchen w/ breakfast bar. Lovely master w/ great master bath. Finished lower level adds another 1000 s/f Exterior needs a little tlc. Price is almost $100,000 under assessed value! MLS#S315965

L i f e and H o m e s

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Syracuse, NY

Fabulous transitional on private 1/2 acre w/expansive deck, wonderful for outdoor entertaining and relaxing. Inside you’ll find an open kitchen with granite counter tops, high end appliances including double wall ovens, and a window seat in the kitchen dining area which opens to a lovely family room. MLS#S317505

Become one w/ nature in this uniquely designed,by owner/ architect Malcolm Clark, California split ranch. Minutes from Town Center, this diamond in the rough is situated on almost two private wooded acres w/open meadow at the base of the property.

MLS#S315536 8

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Whether enjoying dinner on the enclosed front porch in the summer or sipping hot chocolate in the winter by the family room fireplace this home is a house for all seasons.This adorable 3 bedroom 1.5 bath bungalow is located in the heart of Fayetteville across the street from a neighborhood park and a few blocks from village center. MLS#S314518

$79,000

Last of two lots available in F-M schools inWaterfordWoods. Spacious acre and a half lot. Private treed yard. Convenient location...close to schools, shopping,Wegmans and downtown.You choose your own builder!

MLS#S295367

CNY KEY TEAM

Sarah Collins Cell: (315) 546-4996

Sarah@cnykeyteam.com Lic. Associate R. E. Broker

6849 East Genesee St Fayetteville NY 13066

Prompt • Professional Informed • Attentive

Meghan Dabulewicz Cell: (315) 415-1420

(315) 446-4681

Meghan@cnykeyteam.com Lic. Associate R. E. Broker

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Manlius

$799,900 Fayetteville

Sophistication & Style in this William Walker custom built Estate on 5.7 acres of prime property! Enjoy miles of views & Oneida Lake. 5102 sq ft (Plus an addt 2800 sq ft in the finished lower level) offers 7 bedrooms, 3 full & 2 1/2 baths. MLS #S306425

Oneida Lake Waterfront $419,700 Clay HARRINGTON HOME AVAILABLE FOR IMMEDIATE OCCUPANCY! Ktchn includes white cabinetry, granite counters & breakfast bar, SS appliances & large walk in hidden pantry. Ktchn opens to large dinette area & a beautiful great rm, vaulted ceilings. MLS #S314149

$299,900 Fayetteville

$189,900 Dewitt

$199,900 Oneida Lake Waterfront $289,900

$117,500 Clay

$139,900 Clay

$119,900 Clay

$127,500 Fabius

$159,000 Manlius

$164,900 Salina

$84,900

$104,900 Lafayette

$179,990

Close to schools, highways & shopping w/ no village taxes! HOA of $118 per month covers common area maintenance, snow removal & lawn care!This 1919 sq. ft. one level townhouse offers 2 spacious bedrooms, 2 full baths, 2 car garage, full basement! MLS# S306690

All appliances stay in this 1520 sq. ft. home!

Kitchen includes oak cabinetry, new flooring, new countertop, new sink & kitchen hardware. Upstairs bathroom includes new vanity & floor. Nicely sized family room off of the kitchen. MLS# S316397

Built in 1988 this home offers 1817 sq ft above grade (plus 400 Sq Ft in the finished basement with egress windows & roughed in bath) 5 bedrooms, 2 & 1/2 baths & 2 car garage. This home offers lots of windows and natural light. MLS #S306510

Fantastic & updated split in desirable Pine Gate North community is priced to SELL! This 3 bdrm, 1.5 bath, 2 car garage home includes spacious rooms & updates to allow you to move right in! Wide open ktchn w/oak cabinets. MLS #S312248

Clay

$474,900 Salina

Onondaga

$149,900 Onondaga - New Construction $319,900 Geddes

2014 PARADE OF HOME! Stunning transitional full of charm, detail, & space at the 2014 Parade of Homes!

This Harrington built home will impress you with its delicate arched openings, grand ceilings, gleaming hdwds, & chefs dream kitchen. MLS#S313305

Over $20k in recent improvements in this charming 4/5 bdrm cape cod. Enjoy: new siding & insulation, massive deck, refinished hdwds, updated 200 amp service, & newly insulated four season room complete w/electric heat. MLS#S317655

4 bedrooms, 2 full bath home w/ over 2,000 sq. ft. of living space! Large living room is open to dining area & kitchen w/center island. Sliding door opens to the Redwood Deck overlooking nature at its best. 2 bedrooms and a full bathroom on 1st floor. MLS #S316622

Absolute charmer located on a private cul-de-sac in the desirable Dewittshire community. Enjoy your spring days on the full front porch or overlooking the private backyard, rolling stream, mature trees, & gorgeous outdoor fireplace! 4bdrm, 1.5 baths.MLS #S316386

Fabulously updated split level convenient to shopping and major roadways! Enjoy newly remodeled bathrooms, new furnace & hot water tank, newly installed security system, & fresh paint in this 3 bedroom, 2 bath home. MLS#S317583

This lovely home is nestled in a private country setting and offers mature landscaping, 1661 sq ft, 3 Bedrooms, 1 & 1/2 bath & 4 gar garage on 1 acre in desirable F-M schools!(2 car attached garage & separate outbuilding with 2 car detached heated garage. MLS #S314884

Fish year round from your new front yard.This oversized 73’x 169’prime waterfront lot comes complete with public utilities, 50’dock & views for miles!This well maintained home has a New roof, vinyl siding, freshly painted interior, New H20 tank. MLS #S314112

$174,900

Open concept floor plan offers 3 bdrms, 2½ baths and 1780 sq ft. No homes behind on this oversized level lot that backs to trees! Cathedral ceilings in the Great Room/Dining Room, with all new windows.

MLS#S308727

PRICED BELOW ASSESSMENT!This town house is updated and MOVE IN READY! Conveniently located - Liverpool Schools - 2 Bedrooms - 1.5 baths - 1 car garage - Freshly painted inside & out - New exterior patio - Laminate flooring. MLS# S316760

September ■

Custom Harrington Homes“Captiva Expanded Model” is under construction now with an August 2014 Completion date - 3 bdrms, 2 full baths, 2 car garage and gourmet kitchen.This 1870 sq. ft. ranch sits on a 1/2 acre lot. MLS #S313512

$139,900 Onondaga

Absolute Charmer!You will find that this 4 bdrm, 1.5 bath home is updated & move in ready! Gleaming hdwds, large entertaining spaces, partially finished bsmt , detached 2 car garage (w/loft that would be an ideal mancave/play room) & more! MLS #S317582

Charming country home is updated & priced to sell!

Enjoy the changing seasons from your back deck overlooking just over 1 acre of lush greenery. Inside find an oversized ktchn w/plenty of cabinetry , & an abundance of space. MLS #S317579

Priced to sell! Newer 30 year arch roof installed 2009 w/ transferable warranty (complete tear off), New High Efficiency gas boiler installed 2011, 1000 Gal Steel Septic tank installed(50 year war), NewWoodstove & liner installed 2005, All Appliances stay! MLS #S317901

www.Life and Homes .com

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L i f e and H o m e s

1742 sq ft for only $149,900 on a 1/2 Acre Cul de Sac lot in desirable Marcellus Schools. 3 Bedrooms, 2 full baths, 2 car garage, full walkout basement (partially finished not included in the sq ft). New Front entry & Storm door. MLS #S305804

Syracuse, NY â–

L i f e and H o m e s

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Jamesville

$119,000

Oneida Lake

$499,000

Country living within 5 minutes of city & oh what a beautiful drive with views of western hills. This is an older home with an apartment (in-law, rental) and terrific equity building potential. Offset mortgage with rental income. This once magnificent home has a total of 5 bedrooms, 3 bathrooms, barn/garage, lots of character. MLS#S315562

LOSCOMBE WF model at Harbour Town. Unify your recreational lifestyle with year round HOA maintained home ownership at this wonderful South Shore community. Access some of the greatest fishing and boating in New York while enjoying an easy commute to the city, airport, & major highways. MLS #S315857

Lafayette

Cicero

3 Bed/2.5 Bath • $289,900 • MLS# S315213

• Full HOA Maintenance • Individual Docks • 13 Waterfront/Waterview Units.

Carole A. Dwyer Licensed Real Estate Salesperson

6866 east Genesee st,.

Fayetteville, NY13066

cdwyer@realtyusa.com (C) 315-436-6020

$159,900

A tree house for grown-ups! Picturesque wooded setting nestled on approx. four acres w/nothing but wildlife for neighbors. This gorgeous three bedroom/two bathroom tri-level contemporary is the perfect place to wind down after a hectic day.

Surrounded by undeveloped woods. Inside you can enjoy a two story fireplace. MLS#S307883

$301,700

LOSCOMBE’S enormously popular layout from the 2011 Parade of Homes at Inverness Gardens.

The Bedford features a completely open floor plan with a comfortable entry to both the upstairs and lower level. Standard features include hardwood flooring, gas fireplace, screened rear porch, and first floor laundry. MLS#S286270

Buying or Selling?

7840 Oswego Road Liverpool, NY 13090 (315) 622-2111 (office)

Call: Carol A. Jones 569-0032 (C)

September ■

www.Life and Homes .com

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L i f e and H o m e s

Your Success Connection • Available 7 Days a Week • 1st Time Buyer Specialist • New Construction & Resale 8233 Park Ridge Path Liverpool, NY 13090

Deborah (Debbie) Burr Licensed Real Estate Salesperson

Cell/Text: 315-857-7166

www.CNYHomesite.com

Direct: 671-3621

7557 Highbridge Road – Manlius - $224,900 7295 Carriage Pkwy–Liverpool - $159,900 111 Lafayette Ave – Lakeport – $89,900 8202 Royal Scarlet Dr – Radisson - $318,900 7 Eynsford Road – Liverpool - $88,900 Traditional Elegance! From the circular driveway to the picturesque 3.8 acres & private yard. Entertaining sized rooms, vaulted beamed Family room & Living room with fireplaces. Full Attic w/entry stairs. S317419

Hardwood floors in Living, Dining rooms & all bedrooms.

1st. Floor Laundry, Freshly painted interior, new Dishwasher, Hot water tank, Disposal and new flooring in Foyer, Kitchen & Family rooms. Fully fenced yard. S315565

5770 N. Burdick St. – E. Syracuse - $139,900

8790 Radburn Drive – Radisson - $184,900 1979 Esprit Glade – Radisson - $344,900

Beautiful tree lined yard awaits you! Charming home PLUS detached oversized Garage has 2nd. Floor Apt. type guest suite.Two 1st. floor Bedrooms w/ lg. closets & sitting room.

Remodeled Bath, Large Living room. S307872

Great open floor plan w/ Kitchen island w/ample storage & counter space. New Dishwasher, Disposal, Faucet, Sink, Lighting & Countertops. Florida room overlooking private backyard. New gas fireplace insert in Living room. S315325

Year round retreat located on a quiet street with optional yearly HOA that includes using the beach on Oneida Lake, boat launch & your own dock. 1St. floor Bedroom & 1St. Floor laundry,Vaulted Great room. S316816

Former model home with 9’ceilings, hardwoods, Family room w/gas fireplace, Kitchen w/newer stainless appliances overlooking Mourning room.4 Lg. Bedroom, Master Bedroom w/ master Bath w/Jacuzzi. S313651

Transitional home with 4 spacious Bedrooms, 1st. Floor Office, 18 X 15 Bonus room & Hardwood floors. Detailed trim galore with Crown Molding & Shadow Boxes. 2nd. Floor Laundry, Newer Roof, Formal Living room. S315130

This home is in pristine condition! Nice size Living room, efficiently designed eat-in Kitchen with plenty of cabinetry.

Freshly painted interior & exterior, remodeled Bathroom, Driveway has been widened to 2 cars wide. S316879

4111 Route 91 – Jamesville - $229,900

4332 Luna Course – Liverpool - $169,900

Wonderful Ranch home on 1.33 acres w/water view!

Remodeled Maple Kitchen w/granite, tile backsplash, hardwoods thru-out, Master Suite w/whirlpool tub & magnificent views. Finished Basement. S314807

Wonderful Home with front to back Living room, Hardwoods, freshly painted interior, Family room w/fireplace, Formal Dining room. All Bedrooms are generous in size, some newer carpets & 6 panel doors. S311980

Robert (Bob) Kayne

CRS, GRI, ABR Associate Broker

315-671-3618 Office 315-345-2778 Cell Bob@BobKayne.com

8233 Park Ridge Path Liverpool, NY 13090

BAYBERRY – LIVERPOOL

$132,800 KIMBROOK – BALDWINSVILLE $120,000’s

Gleaming hardwoods, many updates throughout. Over 1800 square feet. 3 Bedroom home with 2 car garage and fully fenced yard. Gas heat & central A/C & fireplace. @ $20,000 below assessment. S317680

8233 Park RidgeThisPath New on the market…

3 Bedroom Liverpool, NYnew 13090 Raised Ranch with paint, flooring, carpet & windows provides move in condition living. Large deck, fenced yard & 2 car garage. Call today.

ONEIDA LAKE – SOUTH SHORE $248,900 BAYBERRY – LIVERPOOL

L i f e and H o m e s

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Syracuse, NY

With 3 – 4 Bedrooms, 2 Baths this Contemporary home w/lakefront, granite countertops, sunroom, fenced yard, oversized garage & more. Vacation year round on @ ½ acre & 180 degrees of lake view. S308581

MINT CONDITION – CHATHAM WOODS $194,280 Situated on @ 1 majestic acre this Chatham Woods Colonial is pristine in every way. From the grounds to the full front porch, both inside & out. You won’t be disappointed.

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$131,500

Your Dream home. Oversized family room, new windows & roof. Gleaming hardwoods, vaulted ceiling, screened porch & private backyard. Wow!!!

S316241

EQUITY – BALDWINSVILLE

$124,900

It’s close, but not in the village this Chalet/Ranch home sits on ½ acre with @ 1900sqft. on 1st. floor plus lower level walk-out. 2 fireplaces, dynamic vaulted family room this home have possibility galore. Being sold AS IS. S317247

Elegance!

Discover A Lifestyle of

From the Floors, To The Trim Work, To The Living Space...

Once You Cross The Threshold, You’ll Know That You’ve Found Your New Home!

6912 Shalimar Way, Fayetteville, NY $798,000 MLS #S312930 • Gracious 2 Story foyer with quartz and granite flooring, stately wrought iron staircase and custom crown moldings.

• The sunken living room has cathedral ceilings, large picture windows and a stone floor to ceiling wood burning fireplace.

• The gourmet kitchen is a chef’s dream with cherry cabinetry, granite counters, two dishwashers and a custom built island.

• This home boasts two master suites; one on the first floor and another on the second floor with his and hers closets.

Dawn DiCroce

• The lower level contains a full functioning kitchen, living area, theatre room and work out room that can be used as an in-law suite.

ddicroce@realtyusa.com

• The back yard hosts a variety of pleasures, including: a 40 x 20 heated swimming pool, basketball court, fire pit and a 700 sq. ft. pool house (containing a kitchenette, bedroom, bath and living area.)

Licensed Real Estate Salesperson

(315) 446-8291 x220 (315) 491-0066 (C) Fayetteville Office 6866 East Genesee St. Fayetteville, NY 13066

September ■

www.Life and Homes .com

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L i f e and H o m e s

Century 21 Terra Real Estate 3166 Seneca Turnpike, Canastota, New York 13032

315-697-3400

C21TerraRE@gmail.com www.Century21TerraRealEstate.com

TERRA REAL ESTATE

Exceptional Views

This home has 3500+/- sq. ft. of exceptional finish, 4 BR, 3.5 baths, hardwood floors, slate & ceramic tile, 9 ft. ceilings, open oak structure. Private yard w/ patio and deck. Minutes to S.U. or Upstate yet quiet neighborhood. $414,900.

L CIA ER M OM

Great Location!

Stunning 3 BR located just minutes to Syracuse.

Updated interior w/hardwood floors. Beautifully landscaped, 3/4 acre wooded lot. Large country kitchen. ESM schools. Move-in ready. $145,000.

Dean Shlotzhauer, Sales Assoc., 697-3400x16.

L CIA ER M OM

C

4500+/- sq ft, handicap accessible, 2 ADA bathrooms, large fully equipped kitchen, separate bar lounge area, full dining room w/100+ seating capacity. Parking lot w/40 to 50 on site parking spaces. High traffic, high visibility. $175,000.

This home has 3 BR, 2 full baths, beautiful new kitchen w/new appliances, new flooring, new heat & AC units, new roof, new siding, new windows and 16x16 deck. Double village lot. $139,900.

Dean Shlotzhauer, Sales Assoc., 697-3400x16.

L CIA ER M OM

C

Route 5 Commercial Location

Complete Rebuild

C

Commercial BN Zoning

Great high traffic, high visibility location on NYS Route 5 has 9+/- acres with 700+/- feet road frontage. Building is 4600+/- square foot partially divided, frame structure. $139,000. Additional acreage also available.

Class A Office Space

High traffic, high visibility Rt 5 west of Chittenango Village. Full ADA accessibility w/elevator, ADA baths.

All utilities including HVAC in place. Finished to tenant needs. Large paved parking area, easy access w/front and rear entrance.

Stately Colonial

Beautiful 4 BR, new stainless kitchen, formal dining, family room, living room w/fireplace, den, mudroom, 1/2 bath downstairs & newer full bath upstairs. Hardwood & ceramic flooring. $139,900.

Dean Shlotzhauer, Sales Assoc., 697-3400x16.

Take a Look!

This 3 BR on almost half an acre has a kitchen w/ breakfast bar & walk-in pantry, formal dining, living room, office, 1st floor laundry, enclosed front porch, open back porch & deck. $99,900.

Mindy Martin-Robb, Sales Assoc., 697-3400x21.

Land

L CIA ER M OM

C

Great Business Opportunity

Well established nursery offers immediate cash flow, 25+ years in this high traffic, highly visible location. Turn key operation, fully equipped, on 2.32+/- acres. Buildings, equipment, business and land for $290,000.

ARTHUR JENKINS AVE, LENOX, 0.23+/- AC, $10,000.

NELSON RD, LENOX, 2+/- AC, $30,000.

NELSON RD, LENOX, 5.8+/- AC, commercial, $46,000.

ONEIDAVALLEY RD, LENOX, 2+/- AC, $17,500.

RAVINE ST, LENOX, 0.20+/- AC, $15,000.

RT 5, LENOX, 1.7+/- AC, commercial, $65,000.

RT 5, SULLIVAN, 5.4+/- AC, commercial, $100,000.

SEEBER RD, LINCOLN, 2+/- AC, $25,000.

SEEBER RD, LINCOLN, 1.3+/- AC, $9,950.

WARNERS RD, LENOX, 26+/- AC, recreational, $35,900.

WARNERS RD, LENOX, 8.8+/- AC, $9,500.

KAY Real Estate, Inc. 126 MAIN STREET, ONEIDA, NY 13421 www.kayrealestate.com 363-9191

VERNON

KENWOOD

3,000 square foot Contemporary Ranch overlooking the 8th hole of thee Oneida Community Golf Course. Mennonite kitchen, 4 bedrooms with baths, 3 fireplaces, inground pool, 3 car garage and on .86 acre. $375,000 Julie Stickels 363-9191 or 762-3434 (C)

ONEIDA CASTLE

Brick Mansion in a highly visible location. 5,400 square feet with 6 bedrooms, 6 baths, well appointed kitchen, gorgeous woodwork and floors. Perfect for a Bed and Breakfast. $299,500 Julie Stickels 363-9191 or 761-3434 (C)

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Syracuse, NY

Spectacular horse property! Veterinary Clinic with indoor arena, 32.60 acres plus a 32’x 60’ horse barn. Matted stalls, heated auto water bowls, varying size paddocks, horse equicizer.

A custom built Ranch too! $499,999 Janet Mautner 363-9191 or 762-8683 (C)

ONEIDA

Charming 3,100 s/f Colonial. 3 large bedrooms plus 1st floor master suite. Spacious remodeled maple kitchen with 2 way fireplace, formal dining room, living room, den, 2 car attached garage, RV hook-up, generator and on 1.10 acre. $289,900 JayneWentworth 363-9191 or 264-1456 (C)

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SHERRILL

Salt Box style home with 3 spacious bedrooms, living room with gas fireplace, kitchen with cherry cabinets and granite counters, maple floors throughout 1st floor, sun room - heated year round, 1 ¾ baths, 2 car attached garage. Park like setting with patio, fish pond, water fall and private yard. $279,900 Julie Stickels 363-9191 or 762-3434 (C)

ONEIDA

2,800 square foot two story Colonial offers 4 bedrooms, 2 ¾ baths, newer kitchen with cherry cabinetry and appliances, family room with fireplace, living room with fireplace, dining room, rec room and 3 car garage. On .96 acre. $219,900 JayneWentworth 363-9191 or 264-1456 (C)

Commitment, Consistency, Confidence Minoa

$99,900

Great opportunity to buy in Cantebury Woods, for this price. Make this house your home with a little TLC. Large, flat, fenced in rear yard. Sliders leading to deck & yard. Lower level finished.

Finished lower level space has 1/2 bath. Space can be used as family room or 4th bedroom, or office Stay cool this season w/ central air. Home is vinyl sided. Priced below assessed value.

MLS #S315595

Debbie Reagan Licensed Associate Real Estate Broker

email: reagansell@aol.com (C) 315-427-1011 (O) 449-6733 6849 E Genesee St, Fayetteville NY 13066

Call Debbie Reagan, an award winning agent, with 25+ years of experience serving Central New York families. Whether you are looking to buy a home which can be exciting OR thinking of selling your home which involves more than putting a sign on your lawn, let Debbie Reagan help you thru the process and get your transaction to closing.

Lysander

$239,900

Magnificent, manicured, mature landscaping welcomes you to this well cared for, original owner home. Hardwood floors through out 1st. fl. Granite counter tops add to the spacious eat-in kitchen. Dining room off kitchen leads to bright & light living room. MLS #s313015

What’s Your Dream?

Eric Pedrotti • Licensed Real Estate Salesperson

315.744.SOLD • PedrottiE@Yahoo.com • www.EricPedrotti.com

Featured New Listing

$129,900 Geddes

Geddes

$124,900 Onondaga

This well maintained ranch features 3 large bedrooms & 1 bathroom. Several upgrades including the kitchen, newer windows and newer roof.The eat-in kitchen and formal dining room are great for entertaining. MLS #s311045

$114,900 Onondaga

This well maintained ranch features 3 bedrooms and 1.5 Bathrooms. There is over 1,200 sqft of enjoyable space including the large living room and formal dining area - great for entertaining! MLS #S313805

$179,900

This well maintained brick ranch features 3 large bedrooms and 2 bathrooms. There is over 1,600 sqft of enjoyable space, including the large living room and dining room combination. MLS #S313155

September

Geddes

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$144,900

Move Right in this Well Maintained Split Level. This Home Features 3 Bedrooms, 2.5 Bathrooms, Master Suite, Large Eat-In Kitchen, Living Room with wood burning Fireplace and Family room on the lower level. The Living Room overlooks a large deck in the back yard sitting on a large private lot. The lower level Family Room could also be used as a bedroom. This Home has many updates including a Newer Roof, Newer Flooring throughout the Kitchen and Family Room, Newer Carpeting upstairs, and Newer Driveway. Minutes from Downtown Syracuse and Destiny USA. Solvay Schools, Solvay Electric! MLS #S315286

Move Right in thisWell Maintained Lakeland Colonial.

This Home Features 2 Bedrooms, 1.5 Bathrooms, Large Eat-In Kitchen, Living Room w/Wood Burning Fireplace & Family Room. Home has many updates. MLS #s316211

$19,900 Onondaga

This 100 x 185 wooded lot is ready to build! All utilities are available and looking for a new owner to call it home!

MLS #s310335

Move Right in thisWell Maintained Colonial.This Home Features 4 Bedrooms, 2.5 Bathrooms, Master Suite, Large Eat-In Kitchen & Formal Dining, Family Room w/wood burning Fireplace &Formal Living room. MLS# S314071

www.Life and Homes .com

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L i f e and H o m e s

23 Regatta Row, Geddes

Serving Radisson Community for 25+ 315.427.9415 (F) 315.675.9269 www.oneidalakerealty.net

Shawn Salsman

1531 State Route 49 Constantia, NY 13044 315-623-2112 (F) 315-623-2113

Licensed Real Estate Salesperson

315-371-5166 (C) 315-363-5533 (O)

730 Lenox Ave Oneida, NY 13421 shawn.salsman@huntrealestate.com

For All Your Real Estate Needs!

“Kat” Kathleen E. Neracker Licensed Real Estate Broker/Owner

315-427-9415 kat135@twcny.rr.com

Nikki Henry

Licensed Real Estate Salesperson

315-559-0421 nikkihenryrealtor@gmail.com Serving: Oswego, Onondaga, Madison & Oneida Counties

www.oneidalakerealty.net

What is YOUR Home Worth?

3208 W. Genesee St, Syracuse, NY 13219

315.488.2926

Call for a FREE Market Analysis!

Freunscht

COMMERCIAL | RESIDENTIAL C: 315-415-7286 O: 315-687-6109 x 220 robert.freunscht@huntrealestate.com

L i f e and H o m e s

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Syracuse, NY

www.bobfreunscht.com

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Gregory (Greg) Ramin Cell/Text (315) 345-8159 Direct: (315) 671-3635 gregramin1@gmail.com www.gregramin.cbprime.com

8233 Park Ridge Path Liverpool, NY 13090

FREE STAGING CONSULTATION WITH EVERY LISTING

Vicky P. Speno Licensed Real Estate Salesperson Certified Buyer Representative

Hunt Real Estate ERA

Licensed Associate Real Estate Broker

www.vickyspeno.com

vicky.speno@huntrealestate.com /vickyspenosyracuserealestateagent

315-345-8846

106 S. Main Street N. Syracuse, NY 13212 www.syracuserealtygroup.com

Licensed Associate Real Estate Broker

A Realtor who’s involved and cares about the Community he lives in and shows it!

Names you can trust for Outstanding Real Estate Service.

TERRY BRADLEY

315.559.4872

Bob

It’s a great time to buy your first home or a bigger home for your family!

Lic Real Estate Salesperson

Mary Seidel

Oswego County’s #1 Real Estate Agent

Lic. Associate Broker, GRI, SRES, CBR

315-592-1471

(315) 440-1547

maryseidel@syracuserealtygroup.com www.buyorsellsyracusehomes.com

teribeckwith@aol.com

Teri L. Beckwith

Open Market Listing Service™ Annsville

LifeandHomes.com

For more information on any of these houses, visit www.LifeandHomes.com and type in the QSN#

$519,000

114 Grissino Ln

Canastota

$119,900

132 Roosevelt Ave

Commercial/ 38+ Acres

2 Bedrooms / 2.0 Baths

QSN #345194

QSN #336672

Hunt Real Estate ERA Shawn Salsman

Hunt Real Estate ERA Robert A. Freunscht

Lic. R.E. Salesperson

Lic. R.E. Salesperson

315-371-5166

315-415-7286

shawn.salsman@huntrealestate.com

Bridgeport

rfreunscht@aol.com

$128,500

Cato

$249,900

7606 Cameron Dr - Oneida Lake Access

11866 Bradt Road

3 Bedrooms / 2.0 Baths

5 Bedrooms / 3.0 Baths

QSN #345627

QSN #346463

Oneida Lake Realty "Kat" Kathleen E. Neracker

Berkshire Hathaway CNY Ann Warner

Licensed R.E. Broker

Lic. R.E. Assoc. Broker

315-427-9415

315-559-9600

kat135@twcny.rr.com

Camillus

annw1@twcny.rr.com

$155,900

305 Mansfield Dr

Chittenango

$129,900

141 Hawthorne Way

3 Bedrooms / 1.5 Baths/ Spotless

3 Bedrooms / 1.5 Baths

QSN #347137

QSN #343576

FSBO www.seesale.com/camillus

8305000@gmail.com

Hunt Real Estate ERA Robert A. Freunscht Lic. R.E. Salesperson

315-415-7286

rfreunscht@aol.com

Camillus

$214,900

3 Autumn Ln

Clay

$214,900

3683 Junco Trl

4 Bedrooms / 2.5 Baths

4 Bedrooms / 3.0 Baths

QSN #340174

QSN #334186

Hunt Real Estate ERA Vicky P Speno

Excel, REALTORS Diana M Ingraham

Lic. R.E. Salesperson

Licensed Assoc. R.E. Broker

315-345-8846

315-458-8121

vicky.speno@huntrealestate.com

homes@twcny.rr.com

Canastota

$299,000 3466 Hillcrest Ln- Built-In Pool "Salt"

Clay

4 Bedrooms / 3.0 Baths

4 Bedrooms / 2.5 Baths

QSN #343555

QSN #346969

Oneida Lake Realty "Kat" Kathleen E. Neracker

$192,900

4941 Peppermill Ln Exit Eagan Real Estate Andy Stadelmann

Licensed R.E. Broker

Lic. R.E. Salesperson

315-427-9415

315-807-4596

kat135@twcny.rr.com

andyhomes4sale@gmail.com

Licensed Associate Real Estate Broker

243-7305 Cell 446-8291 x 219 Work Eve@RealtyUSA.com

www.Life and Homes .com

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7198 Broadfield Rd Two acres, yet close to everything!

J-D Schools, 4 bedroom, 2.5 baths, cherry kitchen, hardwoods, large family room, fireplace, 1st floor office.

September

6866 Genesee Street, Fayetteville, NY 13066

Manlius-Dewitt $229,500

LifeandHomes.com

Open Market Listing Service™

For more information on any of these houses, visit www.LifeandHomes.com and type in the QSN#

Cleveland

$225,000 17 Forest Dr - Oneida Lake

Hannibal

3 Bedrooms / 2.0 Baths / 100' Lakefront

4 Bedrooms / 2.0 Baths

QSN #340156

QSN #347134

Oneida Lake Realty "Kat" Kathleen E. Neracker

Century 21 Leah's Signature Teri Beckwith

Licensed R.E. Broker

Lic. R.E. Salesperson

315-427-9415

315-592-1471

kat135@twcny.rr.com

Constantia

teribeckwith@aol.com

Lakeport

$249,900 1889 Hill St - Oneida Lake Waterfront

$169,900

4 Sunset Bay Rd - Oneida Lake Waterfront

2 Bedrooms / 2.0 Baths / Totally Remodeled

3 Bed / 1 Bath / Garage / Hottub / Fireplace

QSN #344804

QSN #346247

Oneida Lake Realty "Kat" Kathleen E. Neracker

Oneida Lake Realty "Kat" Kathleen E. Neracker

Licensed R.E. Broker

Licensed R.E. Broker

315-427-9415

315-427-9415

kat135@twcny.rr.com

kat135@twcny.rr.com

Cleveland

$99,900 70 State Route 49 - Village Home

Lysander

3 Bed / 1 Bath / Garage & Storage / Guest House

5 Bedrooms / 2.0 Baths

$339,900 15 Elizabeth Street - Baldwinsville

QSN #338651

QSN #340265 Coldwell Banker Prime Properties Liverpool

Oneida Lake Realty "Kat" Kathleen E. Neracker

Gregory Ramin Lic. R.E. Salesperson

Licensed R.E. Broker

315-345-8159

315-427-9415

gregramin@gmail.com

kat135@twcny.rr.com

Dewitt

Lysander

$259,900

6207 The Hamlet - Condo QSN #346261

4 Bedrooms / 3.5 Baths QSN #347132 Coldwell Banker Prime Properties Liverpool

Hunt Real Estate ERA Vicky P Speno

Gregory Ramin Lic. R.E. Salesperson

Lic. R.E. Salesperson

315-345-8159

315-345-8846

gregramin@gmail.com

vicky.speno@huntrealestate.com

Florence

$259,900 10686 Taberg Florence Rd

Lysander

4 Bedrooms / 2.0 Baths / 84 Acre Farm

4 Bedrooms / 2.5 Baths

QSN #341838

QSN #347133 Coldwell Banker Prime Properties Liverpool

Noyes Real Estate Judith Noyes

Gregory Ramin Lic. R.E. Salesperson

315-345-8159

315-430-0260

gregramin@gmail.com

judy@noyesre.com

Syracuse, NY

Featured Listing 392 Mildred Ave, Syracuse

$95,000

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This charming 4 bedroom 1 1/2 bath Cape Cod with enclosed porch on second floor, has hardwood floors, updated kitchen, fireplace and 1 1/2 car garage with large front porch.

MLS#S309126

TERRY BRADLEY Licensed Associate Real Estate Broker

315.559.4872 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 .

$163,500

2283 Connell Terrace

Lic. R.E. Broker

L i f e and H o m e s

$315,000

7852 Dewitt Drive

3 Bedrooms / 3.0 Baths

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$169,900

218 Co Rt 36

3208 W. Genesee St, Syracuse, NY 13219

315.488.2926

Open Market Listing Service™

LifeandHomes.com

For more information on any of these houses, visit www.LifeandHomes.com and type in the QSN#

Lysander

$294,900 Lot #74 Collington Pointe

Rome

4 Bedrooms / 2.5 Baths

Multi Family - 2 Units

$39,000

408 W Willett St

QSN #331551 Coldwell Banker Prime Properties Liverpool

QSN #345978

Gregory Ramin

Hunt Real Estate ERA Shawn Salsman

Lic. R.E. Salesperson

Lic. R.E. Salesperson

315-345-8159

315-371-5166

gregramin@gmail.com

Manlius

shawn.salsman@huntrealestate.com

Rome

$67,400

210 S Burdick St

$99,500

5122 Taberg Rd

3 Bedrooms / 1.0 Baths

6 Bedrooms / 2.0 Baths / 5+ Acres

QSN #341567

QSN #345192

Hunt Real Estate ERA Geneiva Radomski

Hunt Real Estate ERA Shawn Salsman

Lic. R.E. Salesperson

Lic. R.E. Salesperson

315-751-9535

315-371-5166

geneiva.radomski@huntrealestate.com

Munnsville

shawn.salsman@huntrealestate.com

Sterling

$449,900

6323 Lynch Rd

$239,900

14351 Woods Rd

3-4 Bedrooms / 2.5 Baths / Barn / 4 Garages

2 Bedrooms / 2.5 Baths / 2 Acres

QSN #342495

QSN #347135

Noyes Real Estate Judith Noyes

Century 21 Leah's Signature Teri Beckwith

Lic. R.E. Broker

Lic. R.E. Salesperson

315-430-0260

315-592-1471

judy@noyesre.com

Oneida

teribeckwith@aol.com

Sterling

$159,900

1140 Glenwood Ave

$265,000

886 Old Stae Rd

5 Bedrooms / 2.5 Baths

3 Bedrooms / 2.5 Baths / Plus 6 Acres

QSN #339960

QSN #347136

Hunt Real Estate ERA Robert A. Freunscht

Century 21 Leah's Signature Teri Beckwith

Lic. R.E. Salesperson

Lic. R.E. Salesperson

315-415-7286

315-592-1471

rfreunscht@aol.com

Onondaga

teribeckwith@aol.com

Syracuse

$239,900

4423 Belleflower Cir

$169,999

325 Wendell Terr

3 Bedrooms / 2.0 Baths

4 Bedrooms / 2.5 Baths

QSN #344372

QSN #344706

Hunt Real Estate ERA Vicky P Speno

Syracuse Realty Group Mary Seidel

Lic. R.E. Salesperson

Lic. Assoc.R.E. Broker

315-345-8846

315-440-1547

vicky.speno@huntrealestate.com

maryseidel@syracuserealtygroup.com

Your Family Deserves The Best Margaret Karim CRS

September

Call today for a FREE Market Analysis

,

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Licensed Real Estate Salesperson

(C) 315.345.1018 (O) 315.682.7197 x 292

(H) 315.637.3622

Manlius

$349,900 Syracuse

Gorgeous classic vintage colonial in park-like setting. Features a spacious main floor with spa type bath. Many original wood floors, beams and details from the 1830’s. Take note of charming step ups and step downs between many rooms.

MLS #s311545

$89,900 Cicero

Charming brick ranch in East Syracuse Minoa School district. 600 additional square feet with full bath and bedroom in walkout basement level.

Oversized 1.5 car detached garage. Gleaming hardwoods, newly painted, and ready to move into. MLS #s315491

$429,900 Manlius

Gorgeous ,spacious,home with everything from granite to an out door hot tub is in this newly listed home,with finished basemet and a private lot. MLS #s312303

www.Life and Homes .com

$196,900

Newly renovated 3 bedroom condo, marble counters & appliances to the Pot Filler. New carpets throughout, finished basement & more amenities.

This is a very special &delightful home. Hardwood floors refinished, inside and outside painted, ceramic bathroom floor. MLS #s302250

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L i f e and H o m e s

Personal Website: www.syrhomes.com email: margaret.karim@huntrealestate.com

LifeandHomes™

Support Local

P.O. Box 351 • LaFayette, New York 13084

Water Pumps Water Treatment Bladder Tanks Flow Testing

Business

Chlorination Purity Testing Septic Dye Testing Storage Systems

Free Water Analysis

Call CNY Water Warehouse and save an average of 20-40%!

Call Dave Garlock

315.677.5141 or 315.430.4630

www.LifeandHomes.com

“Join our family of satisfied customers”

DAVID WAGNER, ARCHITECT Commercial & Residential

Homeowner is 100% involved from start to finish.

Why buy someone else’s dream home when you can build your own?

Tile installation requires meticulous and accurate work.

One misplaced or off centered tile will ruin an entire project.

David M. Wagner, R.A., A.I.A.

Protect yourself from faulty tile work!

4812 Lyons Rd. Ext. Marcellus, NY 13108

Fully Insured including Liability & Worker’s Compensation Insurance.

www.tilesdoneright.com

(315) 673-3912

dm-wagner@twcny.rr.com

Great Brook Solar

Real Estate

410 NE Canal Street Canastota, NY 13032

of South New Berlin

Capturing

FREE Energy

BETH A. LOCKHART

for

35 Years

Attorney

Solar & Geothermal are great investments!

(315) 422-3029

Incentive Money & Income Tax Credits are available.

Call to arrange a FREE site evaluation & system estimate!

www.bennetlockhart.com attorney advertising

607-847-6366

Read more about us in the “Ask the Expert” Directory.

For all your real estate needs!

www.greatbrooksolar.com

Syracuse, NY

Commercial Lending Source BANK QUALITY LOANS - COMPETE WITH THE BANKS!

L i f e and H o m e s

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Bank Quality! As low as 4.65% as of this week!

Quality credit deserves quality rates.

Loan Amounts: $500,000 to $5,000,000 Property Types: Multifamily 5+ units, Mobile Home Parks, Mixed Use, Office, Retail, Lt Industrial, and Self-Storage Lending Areas: Nationwide top 120 MSAs except AK, HI, ND, SD Amortization: Up to 30 years *Index: 6-Mo. LIBOR * Margin: MF 3.00% – 4.00% / Other properties 4.00-5.00% Min. Credit Score: Generally 700 (Global cash flow analysis req’d) Rate Caps: 2.00%/1.00%/5.00% lifetime * Personal Recourse: Required * Floor: Initial Rate

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AC E P

HTREE

SOUTHERN COMMERCIAL LLC

315-737-8228 OR EMAIL TINA@LIFEANDHOMES.COM

ask the expert Looking for Answers to Your Home Related Questions?

Search no further! Consider Your Local Business Expert!

Architects

DAVID M. WAGNER, ARCHITECT Love the location, but not the house? We 315-673-3912

FERRELLGAS 800-437-4856

member since 03/14

member since 12/11

can help. New construction, additions, renovations and preservation. Your residential and Commercial Architects.

Dm-WAGNer@tWCNY.rr.COm

Cleaning GREEN CLEANING TECHNOLOGIES, LLC GCt professionals both perform services and sell 315-214-5559 member since 03/12

DIY safescience® products (including steam systems) for air and surface allergens, mold, mildew, all odors, pet, flea and bed bug problems. www.GCtec.biz • www.safesciencetV.com

Custom Home Builder Known for unparalleled customer service, innovative designs, quality construction, affordable prices, and desirable communities in prime locations, ryan Homes is among the top five new homebuilders in the nation.

member since 01/14

ABSOLUTE HOME INSPECTION Your full service home inspection company 315-673-1755 member since 12/11

member since 06/12

member since 04/14

No mess, includes all prep work: sweeping, edging, cleaning driveway. treatment for oil and gas stains. HousAJ56@gmail.com

Energy

decorating using what you already own and delivering impressive results on a reasonable budget. simplydesignedspaces@gmail.com

a complete kitchen & bath showroom. Our cabinet lines include: Omega, plain N’ Fancy and Armstrong. Let our design team help you with your next project.

KITCHEN DESIGN CENTER serving CNY. Check out our winning combination 315-724-7049

Generations of high tech methods, knowledge and hard working values provides a stress free experience.

member since 12/11

Roofing LAKESIDE ROOFING - HOME OF KANGAROOF Why pay top dollar for a new roof 866-277-4090 member since 11/11

hauling.“Green or White” Call the Wrights!

when all you may need is a simple repair? lakesideroofingllc.com

Stonework SOLID ROCK STONE BUILDERS stone walls, retaining walls, stone pillars, fire315-281-4681 member since 05/14

Tiling

places, stone walkways, patios and much more!

With our competitive prices, why settle for bricks or pavers? Free estimates!

RICHARD FOLEY - PROFESSIONAL TILE INSTALLATION Homeowner is 100% involved from start to finish.

315-416-2800 member since 03/14

of Kitchen Design Center & Custom stair & millwork.

We handle Yorktowne & Kraftmaid Cabinetry

WRIGHT’S LAWN CARE 315-334-2087 snow plowing • shoveling walks/roofs • salt/ 315-337-8997 sanding • 24 hour availablility • snow removal &

most often necessary to obtain legal representation to assist with all the legal nuances involved. www.bennetlockhart.com

Fully Insured including Liability and Worker’s Compensation Insurance. www.tilesdoneright.com

Water Treatment Systems WATER WAREHOUSE, LLC Water treatment systems, 315-677-5141 member since 06/13

storage systems, septic dye testing, water testing, flow testing, state certified well pump installations and repairs, free water analysis.

“Join our family of satisfied customers”

www.Life and Homes .com

21

L i f e and H o m e s

member since 05/10

Landscaping: brick pavers, Install mulch & stone, pressure Washing Houses and Decks, Window Cleaning. Free estImAtes | seniors 15% Discount. chuckclark2014@gmail.com

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TRU-LINE LANE & FLOOR 315-735-5299 High quality dust free floor refinishing.

member since 02/14

member since 04/14

Lawn Care

Flooring

CC CONTRACTING painting: interior, exterior, decks, outer trim.

315-744-7491

Andrew Killian Owner

EMPIRE BATH & KITCHEN, INC. 315-733-0408 empire is a locally owned company featuring

member since 07/08

Painting & Landscaping

September

renewable energy systems since 1978 throughout all of Central NY: solar electric, solar thermal space heating and domestic hot water, and geothermal ground source heating and cooling. Free site evaluations and estimates. www.greatbrooksolar.com/contact-us/

or snowblower on site. On site repairs.

BENNETT LOCKHART REAL ESTATE When entering into a real estate transaction, it is 315-422-3029

Kitchen & Baths

GREAT BROOK SOLAR 607-847-6366 Installing custom designed & competitively priced member since 10/12

Home Inspections, pre-Inspections, radon test, and much more! www.mytotalhomeinspection.com

SIMPLY DESIGNED SPACES redo, refresh, redesign! An alternative to 315-272-3120

member since 04/08

member since 08/13

Real Estate Law

Interior Design

Driveway Sealing

CNY MOBILE LAWN & SNOW REPAIR, INC. I come to your home and repair your lawnmower 315-303-0020

serving all of Central New York. tom@absolutehomeinspection.com www.absolutehomeinspection.com

TOTAL HOME INSPECTION 315-698-teAm “We inspect it like we were buying it”

member since 12/11

BRUSH-IT DRIVEWAY SEALING seal master Coal tar sealing - “the No spray Way” 315-335-9911

For more than 70 years, people all across America have relied on Ferrellgas for their home, business, and agricultural propane needs.

Home Inspection

RYAN HOMES ryanHomes.com

Lawn Mower Repair

Heating

the Valente Group LLC.

Wealth management

518-431-9880

Salvatore T.Valente III, RFC® president/C.e.O

What is a fee only Fina ncia l Pla nner a nd Why Should I ca re?

Answer:

Your Fiduciary: As a registered Investment Advisor Firm, it is required of us to always act as our clients fiduciary. this means always putting our clients best interests first. this is in contrast to that of a broker/Dealer relationship, as broker/Dealers are only required to make “suitable” recommendations versus always being required to make recommendations that are in your best interest.

Transparent: registered Investment Advisor Firms are required to always fully disclose all fees and potential conflicts of interest to you, the client. Our clients know exactly how much they pay for our services in a clearly spelled out written agreement – again in stark contrast to traditional broker/Dealer representative requirements on transparancy.

Fee Only: As a registered Investment Advisor Firm, we are compensated from fully disclosed fees, and accept no commissions or any other forms of third party compensation, thus eliminating any conflicts of interest. Again, as a registered Investment Advisor Firm, we are always required to act in your best interest, and we can think of no better way than by refusing commissions and third party incentives for recommendations we make that create conflicts of interest.

In addition to all of the above, we are:

Syracuse, NY

Independent – We work for our clients, rather than representing a specific bank, investment or insurance company. We have no sales quotas, contests and accept no compensation from third parties, therefore we can offer our clients many, many more investment options at a much lower cost.

L i f e and H o m e s

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Are you ready to experience the fee-only difference?

We are never paid commissions or referral fees, We do not sell products (Loaded mutual Funds or ”other products”).

You pay for our objective, unbiased advice and expertise, which aligns your goals with our goals – to grow your wealth.

518-431-9880

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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 .

September â–

www.Life and Homes .com

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L i f e and H o m e s

CNY KEY TEAM Prompt • Professional Informed • Attentive

6849 East Genesee St Fayetteville NY 13066

www.cnykeyteam.com

Meghan Dabulewicz

Sarah Collins

(315) 446-4681

Cell: (315) 546-4996 Sarah@cnykeyteam.com Lic. Associate R. E. Broker

Serving CNY for over 25 years

Cell: (315) 415-1420 Meghan@cnykeyteam.com Lic. Associate R. E. Broker

HARRINGTON HOMES - YOUR BUILDER FOR LIFE - IMMEDIATE OCCUPANCY AVAILABLE!

Oneida Lake - Waterfront $419,700 Onondaga

HARRINGTON HOME AVAILABLE FOR IMMEDIATE OCCUPANCY! Waterfront 2100s/f Lakeside home offers stunning views and boatslip! 3 BDRMs + loft, 3 full baths, 1st floor owners suite with spa-like bath & chef’s dream kitchen!MLS #S314149

$319,900 Fayetteville

Custom Harrington Homes“Captiva Expanded Model.”

Quick closing possible.This 1870 sq. ft. ranch offers 3 Bedrooms, 2 full baths, 1st floor laundry, 2 car garage & full basement! Hdwds, fireplace, granite kitchen & ss appl. Sits on a ½ acre lot. MLS #S313512

$299,900 Fayetteville

HOA of $118 per month covers common area maintenance, snow removal & lawn care!This 1919 sq. ft. one level townhouse offers 2 spacious bedrooms, 2 full baths, 2nd story loft, cherry kitchen w/ granite & SS appl, 2 car garage, full basement! MLS# S306690

$284,900 Clay

Under Construction to be completed by 11/1/14.

1440 s/f, 3 Bedrooms, 2 Full Baths, 2 car garage, 1st floor laundry & full basement. Low maintenance & One level living at its best! $118 HOA fee includes snow removal & Lawn Care! MLS# S315307

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Syracuse, NY

For More Information: HarringtonHomesCNY.com

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$474,900

Harrington Homes 2014 Parade House offers 3071 Sq Ft, 5 Bedrooms, 3 full baths & Oversized 3 car side loading garage w/2nd staircase to the basement! Gorgeous stone details, landscaping, paver walkway & patio. MLS #S313512