Home and Garden, and Real Estate- February 2, 2019 by repubnews

For the best local real estate listings, go to masslive.com/realestate

Home & Garden F

| SUNDAY, FEBRUARY 2, 2020

& Real Estate

INSIDE

HOUSE OF THE WEEK: A warm and welcoming farmhouse, F6 IN THE GARDEN WITH LEE REICH: Itsy bitsy spider mites can do a lot of damage, F3

ANTIQUES & COLLECTING: ‘Sailor’s valentine,’ F4 PROJECT OF THE WEEK: F5 HOME INSURANCE: What does it cover, how much do you need? F8 WMASS DEEDS, F7

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HOME & GARDEN

THE REPUBLICAN | MASSLIVE.COM

Nothing like copper in cool season baskets Heuchera adds beauty to any landscape

By Norman Winter

Tribune News Service

his winter we are seeing copper in baskets, containers and even landscapes all thanks to new Heuchera varieties. There seems to be nothing that today’s flower breeder can’t do with Heuchera or its common name coral bells.

you may have already guessed, Heucheras are considered the much underappreciated perennial in zones 4 to 9 and Dusty Miller, and they seem to tend to be evergreen in warmer bring out the best in each other. climates. They prefer moist, There are other partners in fertile organic-rich soil that the baskets like Rockin Red drains freely. In the landscape, dianthus and various pansies. we suggest sun to part sun in Your eyes, however, will be the north and part sun to shade glued to the copper and silver in the south. combo and probably thinking As I have been touting my you can’t do that. But you’ll planting in the fall in the South, look back and think by George they become excellent component plants for sunny cool-seayou can. son mixed containers, boxes All Heuchera species are and even the landscape like you native to the United States, including the Heuchera villosa might do for flowering kale, Copper shades of heuchera and silver from Dusty Miller make cabbage or mustard. native in the Southeast from quite a partnership. (JAMES WINTER / TNS) While I am touting the Arkansas to Georgia and north foliage, the plants also produce to New York as well as Heuchera ameritall airy flowers No matter where in pink, coral, red cana, that are used in breedyou live there is or white spikes of ing many of the blossoms that will a season where Limited new cultivars. bring in humTime Free Heuchera will add mingbirds. The These two Motor species alone untold beauty to plants reach 16- to Promotion* 24-inches tall and have led to over your containers Ends 2/29/20 should be spaced 80 varieties. as well as the 15- to 28-inches Southern apart or as recomComfort comlandscape. ing from Terra mended per your Nova and Primo Peachberry variety tag. Ice from Proven Winners both No matter where you live claim shades of peach and/or there is a season where Heuapricot in their description and chera will add untold beauty to this would certainly be truthful. your containers as well as the EXPERIENCE THE SUNESTA DIFFERENCE WITH A FREE, NO-PRESSURE, landscape, I hope you will give In the winter, however, you IN-HOME ESTIMATE OR CALL B00 • SUNESTA, TODAY! them a try. can’t help but think copper. • Motorized retractable awnings & screens • Custom made for your Norman Winter is a horticulWhen I received my shipment home or business • Lifetime Warranty • Fast Installation turist, garden speaker and auof Primo Peachberry Ice last • Over 150 Fabric Patterns & Colors • Superior Quality & Construction thor of “Tough-as-Nails Flowers summer they took my breath away. They performed perfect- for the South” and “Captivating ly through a miserably hot end Combinations: Color and Style to summer. in the Garden.”

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You have to admit there is something about winter copper. Copper is a color we most often associate with fall and the changing of the leaves. But when using it in cool-season baskets and containers, you can let your artistic imagination run wild. The obvious is a fancy foliage pal with blue pansies for a complementary color scheme gone wild. In actuality, pansies and Heuchera of all colors look like they were meant-to-be married together. Copper-colored Heucheras like Southern Comfort and the new Primo Peachberry Ice will excel with the dark-colored Redbor kale and Swiss chard. To be bold, try combining with Lemon Coral sedum or Goldilocks lysimachia, both offering a wonderful partnership of lime. My Color Guru son, James, pushed my comfort zone to the max this year with several baskets and containers at the exclusive shopping complex known as The Landings in Columbus, Ga. Here he combined copper with silver and my first thought was NO. We see it every day in pocket change, but in cool-season foliage? Holy Smokes and Shazam, I can’t take my eyes off them. The silver comes from what

Southern Comfort Heuchera brings riveting color to containers and the landscape. (PHOTO COURTESY OF TERRA NOVA NURSERIES/ TNS)

THE REPUBLICAN | MASSLIVE.COM

HOME & GARDEN

SUNDAY, FEBRUARY 2, 2020 | F3

Lee Reich | In The Garden

Itsy bitsy spider mites can do a lot of damage

pider mites look about as cute as their name — until your plants experience damage from them. Not that you will be able to see these creatures too readily, for the largest of them is about as big as the period at the end of this sentence.

explosion. Dust — worst this time of year, in my house at least — also helps. So right here we have some ways to make mites less of a problem: Decrease the temperature, increase the humidity, dust the leaves. But ye shall know them for off onto the card, and you Clustering their deeds. should be able to see them plants or Perhaps the leaves of one scurrying about as they hit filling their of your houseplants is taking ground zero. saucers with on a bronze coloration. That Red spider mites are a pebbles and coloration might be silvery common species, and if you some water or gray, but it’s sickly, at any rub your finger across the increases rate. Perhaps new leaves on card, squished red spider humidity, as your African violets look mites will leave telltale, does giving painfully distorted as they bright red streaks. plants an unfold. Any of these sympYes, discovery of a mite in- occasional toms could be the handifestation could elicit wails of spritzing with work of some kind of spider “Why me? Why my plants? a mister. mite. Why now?” If mites You can nab the culprit by Well, take some consoseem to be tracking it down with a hand lation in the fact that mite a recurring lens. A magnification of 10X problems are not at all unproblem but common. Mites are not even not too severe, or 15X is sufficiently strong especially finicky about what you can purchase predatofor a good mug shot. Look on the underside of ry mites to gobble up your kinds of plants they attack. a plant leaf, especially near problem mites. Different Conditions inside your the main veins, for tick-like predatory mites vary in their home, my home, everybody’s home are now just creatures having 4 pairs of taste for specific kinds of legs. More obvious than the right for mites. Warm, dry problem mites and in temperature preferences, so it’s cute, little mites themselves air, and lengthening days best to use them in mixtures might be the webbing some can lead to a population of them weave on the leaves. You could also flush out the culprits by holding a white card under a leaf, then giving the leaf a sharp tap. Some mites will drop

Take some consolation in the fact that mite problems are not at all uncommon. Mites are not even especially finicky about what kinds of plants they attack.

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of a few different kinds. Predatory mites and all that dusting and humidifying might keep a mite infestation from getting too out of hand, but more might be needed to get rid of a fullblown mite attack. The first counterattack, then, is to get more heavy handed with water. Move a plant into the shower stall and blast it with a forceful jet of water, especially the undersides of the leaves. If that’s not enough, add some insecticidal soap to the spray. If that’s not enough, you may have to give infested plants a spray of one of the light oils made for this purpose. You can actually kill mites that have burrowed deep into buds, such as cyclamen mites do

on African violets, by immersing the whole plant in hot water, 110 degrees for 15 minutes. Even more severe infestations could require a spray of sulfur, with care, though, because sulfur can damage a plant, leaves a visible residue, and stinks. Always be alert to the possibility of mites spreading from one plant to the next. With its small size, a mite can step off a leaf and expect to be ballooned by the slightest air current over to the next plant. Other mites just drop to the ground and walk over to the next plant. Quarantining a new plant for a month could give you time to see whether it is healthy enough to mingle with your other plants. In a similar vein, an option always worth considering when you have a mite infested plant in hand is to merely discard it. Any gardening questions? Email them to me at garden@ leereich.com and I’ll try answering them directly or in this column. Come visit my garden at leereich.com/blog.

HOME & GARDEN

F4 | SUNDAY, FEBRUARY 2, 2020

THE REPUBLICAN | MASSLIVE.COM

Terry and Kim Kovel | Antiques & Collecting

You’ll love what you hear about this ‘sailor’s valentine’

ou can’t always trust the information in old books and on old websites about antiques, particularly everyday items used in the latter part of the 1800s but not expensive or large enough to be of serious interest to collectors until the 1900s.

CURRENT PRICES Current prices are recorded from antiques shows, flea markets, sales and auctions throughout the United States. Prices vary in different locations because of local economic conditions. Whirligig, red-beaked woodpecker pecking at an apple tree, red, white, green, 19 ¾ x 46 ½ inches, $90. Penny scale, white pedestal, diamonds, black trim, American Scale Mfg. Co., 45 x 25 inches, $280. Match safe, Uncle Sam head, bearded, smoking red pipe, porcelain, screw off top, 2 inches, $470. Bookcase, 2-piece, carved, figural frieze, rosettes, baskets, upper glass panel door, lower case with carved drawer over door, 85 x 35 inches, $1,280. Newcomb College pitcher, tapers, blue flower buds, handle, May Louise Dunn, 7 ¾ x 5 inches, $2,500. Marblehead vase, overlapping stylized moths, gray, Maude Milner, Sarah Tutt, 6 ¾ x 5 inches, $3,125. George Ohr teapot, branches, crimped lid, round finial with crimped edge, glossy brown, 1900, 5 x 8 inches, $4,060. Fulper lamp, single socket, glazed earthenware, leaded slag glass, brown, green, yellow, 15 x 7 inches, $7,500. Bank, political, Benjamin Franklin Butler, bald, thick mustache, greenback frog, yellow waistcoat, 1884, 6 ½ inches, $7,810. Dedham vase, oxblood, experimental, glazed stoneware, Hugh Robertson, 8 ½ x 5 ¾ inches, $11,875.

Each of the eight sides of the octagonal case of this sailor’s valentine is 9 inches long, and the case is 18 inches across. The late-19th-century valentine sold for $3,120, almost double the low estimate.

with stand marked “Guardian Service” with the Guardian emblem. I haven’t been able to find anything about it or its worth. Can you help me?

it. Later, the swords were replaced with two stars on each side of the helmet. Still later, three stars were used on each side. The value is $10 to $25.

Guardian Service cookCan you give me more ware was made by Century information about a doll? SEE ANTIQUES, PAGE F5 Metalcraft Corp., a company A double octagonal frame that started in Chicago in 1933 filled with a design made of and moved to Los Angeles in seashells is still known as a 1938. It closed after the factory “sailor’s valentine.” In the burned down in 1956. 1950s, research said that they The Guardian Service line were made by sailors on long was introduced after the comtrips. They made the frames pany moved to Los Angeles. and collected the shells that Most of the cookware was were artistically placed on a made after 1945, when alumibados to sell in a gift shop. A cotton batten background, in a 1750 source. num was no longer needed for clipping, found when repairing then covered the work with a A recent marine auction military use. piece of glass to hold the shells an antique valentine, menby Eldred’s sold this sailor’s Guardian Service cookware tioned the store. The shells in place. “Love Me” valentine for was sold at home parties. A There were often words: were from the West Indies, the $3,120. There are similar mod- salesperson cooked a meal “Love me,” “Home again,” wood was Spanish cedar or ern ones being made, also in for the guests, and the hostess “Home sweet home,” or “A mahogany, and hide glue was octagonal cases. received gifts for holding the We are a FULL SERVICE HVAC gift from Barbados.” In 1961, a used. party. company since 1977 writer for Antiques Magazine Further research found a The first Guardian logo was a I have a large alumiproved that the valentines mention of the shells and the knight’s helmet facing left with num cone-shaped sieve were made by women in Barwork of the Barbados women two crossed swords behind

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HOME & GARDEN

SUNDAY, FEBRUARY 2, 2020 | F5

Don & Dave Runyan | Project of the Week

‘Portable’ closet means instant storage

T DOESN’T MATTER IF you live in a small apartment, a big house or anything in between— chances are you’ve struggled with the problem of storage space. Wouldn’t it be great if there was a way to add a closet to your home without the expense and inconvenience of a major remodel? If storage is an issue at your house, this do-it-yourself, free-standing linen closet project just might be the perfect solution. The project features three big shelves above and two below, with a drawer in the middle. Designed to fit any budget,

the closet is built from 16 board feet of pine lumber (other species will work), three sheets of matching plywood, a piece of hardboard, some pine molding, glue, fasteners, a few pieces of common hardware and the builder’s finish of choice. Construction is simple enough for beginners. Just cut everything to size and assemble the cabinet using glue and nails. Next, assemble and attach the face frame, add the back, install molding, sand and apply finish. Finally, attach the doors and the install the drawer. The completed linen closet measures 68 inches tall by 29 inches wide by 14 inches

deep. The Linen Closet plan, No. 735, is $9.95 and includes step-by-step instructions with photos, construction drawings, a shopping list and cutting schedule and a toll-free help line for project questions. A package of plans for classic country furniture, No. C90, is $21.95 and includes this project plus a quilt rack and a blanket chest. Please include $4 for postage and handling and allow about two weeks for delivery. To order by mail, clip this article and send it with a check or money order to U-Bild Features, c/o The Republican, 741B Olive Ave.,

Antiques

versions, and they sell from by O’Neill’s family. about $10 to $35. Just before Kallus died in 1982, he assigned his rights CONTINUED FROM PAGE F4 TIP: Remove old staples, to Jesco Inc., which agreed to It’s a kewpie dressed in a continue to use original molds. rubber bands, paper clips, etc., blue dotted romper with from paper objects. They can In 2003, Charisma Brands eyelet trim. It has its origistain the paper. acquired the rights to repronal box that reads “Cameo duce Kewpies. You have one Terry Kovel and Kim Kovel Collectibles” on the front. of these. answer questions sent to the column. By sending a letter with a Can you tell me when it was The Kewpie dolls are vinyl, question and a picture, you give made and its value? come dressed in different full permission for use in the colcostumes, and have a certifiKewpies were the creation cate stating “... this Kewpie(r) umn or any other Kovel forum. of Rose O’Neill (1874-1944), is created from the original Write to Kovels, The Republican, an author, illustrator, poet and molds ...” They do not have the King Features Syndicate, 628 suffragette. They were first pic- heart-shaped decal that disVirginia Drive, Orlando, FL tured in a 1909 issue of Ladies’ tinguishes the original, older 32803. Home Journal. In 1912, a young sculptor named Joseph Kallus collaborated with O’Neill to create the Quality Oil & Kerosene first Kewpie figures. Soon the impish, cupid-like characters Oil & Gas Heating Services were everywhere. The earliest dolls were bisque, made in Germany. They were marked by a heartLOCAL & HONEST shaped label that read “Kewpie” and “Germany,” and the • Furnaces & Boilers • Central A/C feet are stamped “O’Neill.” • Roth Containment Oil Tanks • Ductless Mini Splits Since then, Kewpies have been • Quality Installations • Licensed & Certiﬁed made by many firms, of many materials, and with and withInstallers • Heating System Upgrades out clothing. After O’Neill died in 1944, rights to produce “official” Kewpie dolls were given to www.kaebleoil.biz Up to 26-SEER Kallus and his Cameo Doll Co. 166 1667 67 W 67 WESTOVER ES ESTOVER RD RD., CH C CHICOPEE, MA • 413-593-3337

Vista CA 92083. To order by credit card, call 1-800-8282453. Visit U-Bild on the web at u-bild.com.

Construction is simple enough for beginners. Just cut everything to size and assemble the cabinet using glue and nails. Next, assemble and attach the face frame, add the back, install molding, sand and apply finish. Finally, attach the doors and the install the drawer.

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F6 | SUNDAY, FEBRUARY 2, 2020

HOME & GARDEN

THE REPUBLICAN | MASSLIVE.COM

HOUSE OF THE WEEK

A warm and welcoming farmhouse

odern, warm, and welcoming, this farmhouse design feels fresh and contemporary. Mixed exterior siding and a cute front porch deliver stylish curb appeal, while an open floor plan creates a spacious interior. The extra-large mudroom/ laundry room just off the twocar garage keeps things clean and organized. Tucked away on the first floor, the master suite enjoys dual sinks, a soaking tub, modern shower, and a walk-in closet.

Check out the handy office/den on the main level. Upstairs, three additional bedrooms, two baths, and a library/den reside. To build this home, you can order a complete set of construction documents by calling toll-free 866-228-0193 or by visiting eplans.com/col lection/house-of-the-week. Enter the design number to locate the plan and view more images and details. At eplans.com/collection/ house-of-the-week, you can view previously featured plans, browse other specialty collections, or use our search filters to help you find exactly what you want from more than 28,000 home designs. Most plans can be customized to suit your lifestyle.

Clean lines and lots of windows give this home modern curb appeal.

Mixed exterior siding and a cute front porch deliver stylish curb appeal, while an open floor plan creates a spacious interior.

DETAILS Design Number: 23-2691 Bedrooms: 4 Baths: 3½

Square Footage: 3,164 Dimensions: 70’ x 54’ Framing: 2 x 6

THE REPUBLICAN | MASSLIVE.COM

Deeds AGAWAM Donald A. Rivest and Dawn J. Rivest to Michael A. Mandella and Donnarenee C. Mandella, 108 Oak Lane, $261,000. Steven W. Sosnowich to Ahmet Kupuc, 283 Rowley St., $260,000.

AMHERST Janice A. Shumway, Paul C. Shumway, trustee, Steven A. Shumway, trustee, Richard L. Shumway Revocable Trust and Paul C. Shumway, attorney-in-fact, to Historic Renovations & Rental Properties LTD, 67 North Whitney St., $590,000.

BELCHERTOWN Devin Griffiths and Rachel Griffiths to David J. Manura, 3 Oakwood Drive, $256,000. David M. Moran to David M. Moran and Kristina M. Moran, 433 State St., $100. Paige Leigh Montague and Joseph Dylan Geary to Scott D. Surner and Valerie A. Miller, 129 Wilson Road, $300,000. Henry Martin and Henry R. Martin Jr., to Robert M. Servant and Angela P. Servant, Amherst Road, $52,500. J.N. Duquette & Son Construction Inc., to Beverly E. Iuliano and Conrad J. Iuliano, 37 Magnolia Lane, $425,000. Erin C. Hebert to Lisa Desroches, 268 North Liberty St., $225,000.

BRIMFIELD David M. Lamberto and Anthony T. Maffeo to Hariklia Ververidis Crisafulli, trustee, Arthur A. Crisafulli, trustee, and Hertans Realty Trust, trustee of, Mill Lane Road, $1,000,000. Robert Zepf and Jennifer Zepf to Shaun D. Comee and Rachel Antonette Berg, 63 Marsh Hill Road, $569,000.

HOME & GARDEN

Anna Zmich to Michelle D. Gonzalez, 200 Lambert Terrace, Unit 21, $180,000. David P. Sackett, representative, and Kristin E. Sackett, estate, to Eagle Home Buyers LLC, 22 Woodbridge Road Unit 6228D, $80,000. Edward J. Chapdelaine, representative, Christine C. Coulter, representative, and Kathleen M. Chapdelaine, estate, to Alliance Real Estate Solutions LLC, 292 Frontenac St., $155,000. Frank Royland III, and Shentel Royland to Sherryl J. Sparks and Sherryl Sparks, 40 Emmet St., $160,000. Karen L. Pagella to Stephanie Fahey, 1480 Pendleton Ave., Unit 6219D, $139,000. Khanh H. Dao and Uyen Phan to Dung Xuan Nguyen, 505 Grattan St., $280,000.

Herzig 2015 Irrevocable Trust, Karen R. Herzig, Trustee of South Deerfield to Rosemary Stetson and Neil D. Stetson, 295 Main Road, $199,900.

CONWAY Margo H. Mallary Estate, Martine Anne Mallary, executor and individually, Michelle Lynn Jurika, Martin Dion Mallary and Michael Leigh Mallary to Robert Llamas, 33 Main Street, $45,000.

CUMMINGTON John K. Heon to Craig H. Garnett and Claudia A. Waite, 194 Berkshire Trail and Goshen Road, $225,000.

EAST LONGMEADOW

Leclerc Holdings LLC, to Liza A. Tuttle and Ashley M. Ziemba, 71 Roosevelt Ave., $210,000.

Coyote Realty LLC, to Steven L. Graham, trustee, and Depot Nominee Realty Trust, trustee of, 64 Maple St., $1,100,000.

Michael Page and Laurie Anne Page to Jeffrey Rudert, 48 Ward St., $105,000.

Susan M. Granfield to Yevgeniy Deykin and Katharine Reyes, 73 Gerrard Ave., $277,500.

Mina Al Bayati to Dillon Natle, 5-7 Stone Ave., $305,000.

Susan M. Hearne and David Keene to Aaron M. Porchelli and Elizabeth M. Porchelli, 64 Hanward Hill, $220,000.

Paul L. Leclerc and Mark D. Leclerc to Mark D. Leclerc, 12-14 Chester St., $88,100. Ronald Cloutier Jr., and Mitsuko Cloutier to Anthony Evborokhai and Mary Evborokhai, 44-46 Linden St., $256,400. Susan Gelinas, representative, and John M. Thompson, estate, to Dominic Kirchner, trustee, and Anouk Realty Trust, trustee of, 49 Joy St., $85,000. Theresa Erikson, representative, Denise Roy, estate, and Denise G. Roy, estate, to Steven J. Drapeau, 69 Ashgrove St., $173,000. William D. Sullivan, Karen M. Broughan and Tricia A. Stallman to John Occhialini, 33 Factory St., $93,000.

COLRAIN

Emily D. Souza and Steven M. Tomlinson to Jonah Vaclavicek and Rebecca Howard, 242 Amherst St., $218,000.

HEATH

GREENFIELD Lorusso Investment Trust, Carmelina Lorusso, individually and trustee, Wendy Robinson, 64 Grove Street, $119,000. William Yenner to Chapman Street Properties LLC, 85-91 School Street, $525,000.

Jeffery J. Murdock and Marcelene L. Murdock to Branch View Farm LLC, West Branch Road, $10,500.

HOLYOKE Carrie-Ann Gaynor to Justin Conlon, 3 Jeane Drive, $219,000. Darren O’Reilly and Kelly O’Reilly to Julia A. Santiago, 51 Longwood Ave., $205,000.

Cecilia Moran to Michele L. Deveney, 23 Cedar Glen Circle, Unit A23 Greenfield Town Homes Condominium, $161,000.

Michael W. Lapalme and Ann Marie Lapalme to Anthony Junior Bermudez and Brendalee Bermudez, 179-181 Pearl St., $238,000. Rogelio Roman and Aleja Deleon to Ashley Galvez, 87 North East St., $72,000. Susan Goodchild, Heather G. Grove and Shirley I. Copeland

HAMPDEN Bonnie Leaning and Bonnie L.

SEE DEEDS, PAGE F8

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Fumi Realty Inc., to David Clark, 262 Wilbraham Road, $205,000. Custom Homes Development Group LLC, to Jacqueline C. Owens and Grover T. Owens, 17 Maple Grove Road, $299,900.

Christopher A. Therien to Killeen M. Stempel and Michael C. Stempel, 13 Wisdom Place, $135,000.

William Thomas Raleigh to Steven Robert Weiner, 51 Thompson St., $264,000.

Doten to Richard D. Ring III, and Vanessa Ring, 34 Spring House Road, $263,000.

MORTGAGE GUIDE

Deutsche Bank National Trust Co., trustee, Long Beach Mortage Loan Trust and Select Portfolio Servicing In, attorney-in-fact, to Selcuk Alagoz, 141 Ireland St., $29,900.

Andrew J. Pirog to Richard P. Stolpinski and Amber C. Boyle, 32 York St., $192,000.

Lawrence A. Laprade & Rita R. Laprade Irrevocable Trust to Jennifer M. Millard and Nathaniel J. Millard, 286 Loudville Road, $295,000.

GRANBY

CHESTERFIELD

CHICOPEE

SUNDAY, FEBRUARY 2, 2020 | F7

LEGEND: The rate and annual percentage rate (APR) are effective as of the publication date. The APR may increase after consummation and may vary. Payments do not include amounts for taxes and insurance. The fees set forth for each advertisement above may be charged to open the plan (A) Mortgage Banker, (B) Mortgage Broker, (C) Bank, (D) S&L, (E) Credit Union, (BA) indicates Licensed Mortgage Banker, NYS Banking Dept., (BR) indicates Registered Mortgage Broker, NYS Banking Dept., (loans arranged through third parties). “Call for Rates” means actual rates were not available at press time. All rates are quoted on a minimum FICO score of 740. Conventional loans are based on loan amounts of $165,000. Jumbo loans are based on loan amounts of $424,100. Points quoted include discount and/or origination. Lock Days: 30-60. Annual percentage rates (APRs) are based on fully indexed rates for adjustable rate mortgages (ARMs). The APR on your specific loan may differ from the sample used. Fees reflect charges relative to the APR. If your down payment is less than 20% of the home’s value, you will be subject to private mortgage insurance, or PMI. FHA mortgages include both UFMIP and MIP fees based on loan amount of $165,000 with 5% down payment. VA mortgages include funding fees based on loan amount of $165,000 with 5% down payment. The Republican does not guarantee the accuracy of the information appearing above or the availability of rates and fees in this table. All rates, fees and other information are subject to change without notice. The Republican does not own any financial institutions. Some or all of the companies appearing in this table pay a fee to appear in this table. If you are seeking a mortgage in excess of $424,100, recent legislation may enable lenders in certain locations to provide rates that are different from those shown in the table above. Sample Repayment Terms-ex. 360 monthly payments of $5.29 per $1,000 borrowed ex. 180 monthly payments of $7.56 per $1,000 borrowed. We recommend that you contact your lender directly to determine what rates may be available to you. To access the NMLS Consumer Access website, please visit www.nmlsconsumeraccess.org. To appear in this table, or report any inaccuracies call 413-788-1050.

HOME & GARDEN

F8 | SUNDAY, FEBRUARY 2, 2020

A primer on home insurance What does it cover and how much do you need? By Michele Lerner

Special To The Washington Post

Homeowner’s insurance is an essential protection for a major financial investment: your home. Lenders require homeowner’s insurance to protect their interest in your home. But insurance policies vary, and sometimes homeowners and buyers find it difficult to understand what’s covered, when to file a claim and how homeowner’s insurance differs from a home warranty. We asked Justin Fox, broker and owner of Re/Max Professionals in Cottage Grove, Minnestoa, to share information he provides home buyers about property insurance.

policy. There are specific policies or endorsements that can be added to your policy to cover a home that is under construction, which can address more specific risks related to a work zone. Hiring a reputable contractor that is licensed and insured can help protect you from risks during and following construction projects.

Q. What wouldn’t homeowner’s insurance cover?

A. Most homeowner’s

insurance covers personal liabilities beyond just those occurring at the property; however, those liabilities are limited and specific to each policy.

Homeowner’s policies will be either a “named peril” policy, which only cover losses due to events specifically listed, or a “special peril” policy, which covers any loss unless the cause is specifically excluded.

is located in an area that’s not prone to earthquakes, is it worth paying the extra premium to cover an earthquake?

Q. How does homeowner’s insurance differ from a home warranty?

Generally, home warranties cover losses and expenses on mechanical components of your home due to age, such as furnace failures, while homeowner’s insurance covers loss and expenses due to events, such as hail, fire, wind and the like. Some homeowner’s insurance carriers do have an optional endorsement for equipment breakdown, but that’s the exception, not the rule.

Q. How do you evaluate

how much coverage you need for personal belongings? A. That’s a tough one. To What is homeowner’s remain competitive with preinsurance? mium rates, many carriers have reduced this coverage Homeowner’s insurance to Actual Cash Value. ACV is is made up of coverages that the depreciated value of your may help pay to repair or repersonal belongings. place your home and belongFor example, if a TV has ings if they are damaged by a useful life of 10 years and certain perils, such as fire or costs $1,000 new, a complete loss at year nine would theft. It may also help cover only get you approximately costs if you accidentally damage another person’s property $100 toward the purchase or if a visitor is injured at your of a replacement. If this is home. unacceptable, you’ll want to Homeowner’s policies will be sure to get “replacement What does homeown- be either a “named peril” cost” coverage. er’s insurance cover? policy, which only cover lossGenerally speaking, coveres due to events specifically age for personal belongings Every carrier and policy listed, or a “special peril” will automatically be 50% has specific inclusions and policy, which covers any loss of your dwelling coverage exclusions. Therefore, you unless the cause is specifical- amount, with some exceply excluded. tions. should consult your carrier Generally, damage or loss An example of an exclusion or agent to learn more about caused by war, neglect, water in this coverage limit is cash; your specific policy. Most policies specifically damage, earthquake, power most policies will only cover exclude coverage for damreplacement of destroyed failure, nuclear hazard, inage or losses due to bad tentional damage by the pol- cash up to $200. icyholder and governmental repair workmanship, faulty Take an inventory of your action are always excluded. construction materials and personal belongings regularly You can get coverage for defective maintenance. and make sure that if you In most cases, damage to just about any risk; howevwere to have to purchase each your home or to one of your er, you’ll need to weigh the item brand new that your neighbor’s homes caused by premium cost versus the coverage would be sufficient. a contractor is not covered likelihood of a loss. Don’t forget your clothing by a homeowner’s insurance For example, if your home and furniture.

Q. A.

THE REPUBLICAN | MASSLIVE.COM

Deeds CONTINUED FROM PAGE F7 to Kathryn M. Zweir, 30 Lindor Heights, $225,000.

HUNTINGTON Catherine Rude-Sena, trustee, Mary G. Rude Nominee Trust and James K. Rude, trustee, to Terry A. Voudren and Donald F. Voudren, 18 Pond Brook Road, $287,500. Scott C. Andrews to Roman Radkovets, 14 East Main St., $255,000.

LONGMEADOW Maziar Hashemi and Fereshteh Mehmandoost to Bruce I. Herzberg and Judith T. Herzberg, 19 Brittany Road, $460,000.

LUDLOW Acacio M. Ferreira to Derek J. Gomes, 436 Poole St., $285,000. Brian M. Liberty to Alena I. Sas, 102 Longview Circle, $307,000. Eric R. Pollander to Michael D. Armando and Yvonne Armando, 483 Chapin St., $232,000. Paul F. Lebel to Brian M. Liberty, 783 Lyon St., $258,500.

MONSON Ian M. Haskins and Juliana Haskins to Lawrence Joseph Scaglione IV, and Chelsea Marie Dumas Scaglione, 63 Moulton Hill Road, $274,000.

MONTAGUE Tetty Gorfine to Anthony Somers and Tracey Somers, 146-148 Old Sunderland Road, $562,500.

NORTHAMPTON Mark S. Bonde and Noreen A. Bonde to Melody A. Foti, trustee, and Melody A. Foti Trust, 53 Rick Drive, $281,000. Lynne D. Wallace, Nicole M. Pagliaro and Nicole Pagliaro to Jordan Chanler-Berat, 110 Cardinal Way, $530,000. Joy B. Berman to Amanda S. Dembowski and John-Alexander Weston, 560 Elm St., $305,000. Beverly G. Park and Sheila Derensis to Tyler J. Bladyka and Keturah Hammond, 116 North Main St., $280,000. Spencer C. Bridgman and James E. Bridgman, power-of-attorney, to Laura Ross, 25 Spruce Hill Ave., $280,000.

Thomas J. Parent, William J. Parent, Richard M. Parent, Mary A. Parent, Jayme A. Parent Talbot and Jayme A. Parent to Brian Jeffrey Van Koten and Jillian Zoe Decoursey, 60 Clark Ave., and School Street, $305,250. Deborah A. Armstrong and Deborah A. Connelly to Loom Properties LLC, 76 Sandy Hill Road, $185,000. Thomas J. Munska Jr., to David J. Munska, trustee, Camilla J. Munska, trustee, Munska Family Trust, James K. Munska, trustee, Barbara A. Munska, trustee, James J. Munska & Barbara A. Munska Revocable Trust, David J. Munska, attorney-in-fact, and Thomas J. Munska, attorney-in-fact, 46 Woodbine Ave., $100,300. Saul N. Kuhr and Karen S. Kuhr to Chocorua Realty Investments LLC, 49 Ridge View Road, $80,000. Alex Vilkhovoy, trustee, and AJ Capital Realty Trust to Arthur P. Dunphy and Lisa Dunphy, 48 Austin Circle, $211,000.

NORTHFIELD Eugene Lemon and Diane Mero to Craig R. Carlson, Gulf Road, $60,000.

ORANGE Julie A. Pistorino to Nathan John Rennick and Katelyn Jean Fletcher, 49 Meadow Lane, $224,000.

PALMER Ann M. Banas, representative, and Claire M. West, estate, to Dylan Allen, 1040 Overlook Drive, $180,000. Arthur L. Giard and Sandra J. Giard to Andrew J. Collins, 22 Beverly St., $215,000. Brenda L. Brouillette, representative, and Virginia A. Brouillette, estate, to Dominic Kirchner II, trustee, and Grosz Realty Trust, trustee of, 110 Longview St., $85,500. John T. Meehan to Sean E. McCaughey, 77 Flynt St., $215,000. Jonathan C. Bly, Rachael F. Bly, Rachel F. Bly and Rachel F. Wickman to Steven M. Tomlinson, 2 Glenn St., $185,000.

RUSSELL Deborah J. Brodie to Robert Michael Williams, 20 Park St., $183,500.

SOUTH HADLEY SEE DEEDS, PAGE F9

THE REPUBLICAN | MASSLIVE.COM

Deeds

HOME & GARDEN

Rosen to Maritsa Rivera-Diaz, 136 Commission, Eastern Avenue, Shawmut St., $155,000. $17,000.

CONTINUED FROM PAGE F8

Declyn F. LLC, to Nash Stanton, 33 Shady Brook Lane, $173,000.

John E. Duda, Catherine A. Allen, Christine A. Phillips and Thomas A. Duda to Kelly O’Reilly and Darren O’Reilly, 26 Lawn St., $240,000.

U S A Housing & Urban Development to Tao Tran, 750 Wilbraham Pierre A. Boursiquot to Luis A. Road, $170,100. Ruiz and Jaditsy Besares, 98-100 Monmouth St., $207,000. Hugh K. Martin Jr., to Michael J.

Wesley N. O’Rourke and Wesley N. Rork to Ryan J. Olszewski and Maya Lapping Rivera, 15 Berwyn St., $225,000. Rebecca O. Mello, Rebecca O. Goulet and Nathaniel L. Mello to Jason D. Bourque and Kimberly Bourque, 20 Susan Ave., $235,000. Michael J. Bakos IV, and Michelle A. Bakos to Nathaniel L. Mello and Rebecca O. Mello, 91 Ridge Road, $355,000.

Desimone and Shirley R. Desimone, 2401 Wilbraham Road, $225,000.

Hurst & Crane Investments LLC, to Nereida Laboy, 155 Marsden St., $191,000.

Onota Rental LLC, to Francis Forson and Josephine A. Forson, 33-35 Nathaniel St., $205,000.

Richard C. Hervieux Jr., to Yaritza Paula, 61 Denver St., $144,000. Springfield City to Alex Owusu, 305 Rosewell St., $97,650. Springfield City to Eis Quinones, Hayden Avenue, $267.

Jeffrey C. Allard and Jeffrey Allard Springfield City to Springfield to Give Them Sanctuary Inc., 123 Water & Sewer Commission, Buckingham St., $100. Eastern Avenue, $30,000. Juan Santana to Jonathen Neris Springfield City to Springfield and Genesis Rosario-Neris, 89 Water & Sewer Commission, Corona St., $197,000. King Street, $55,000. K & S Holdings LLC, to Charles

Steven P. Gaudette, Carrie A.

SUNDAY, FEBRUARY 2, 2020 | F9

estate, Alberta May Bernardo, estate, and Alberta May Walsh, estate, to Stephanie A. Mattraw and Damian P. Johnston, Beaver Road, $20,000.

WEST SPRINGFIELD Elizabeth A. McCarthy, representative, and Joanne Ellen McCarthy, estate, to Rachel M. Brochu, 102 Poplar Ave., $231,500. Marshia G. Regnier, representative, Marshia Regnier, representative, and John A. Regnier, estate, to Robinson Urena and Wanda Baez, 24 Cottage St., $226,000. Martha A. Brodeur to Casey J. Gomes and Gianna Dalia Gomes, 57 Upper Beverly Hills, $235,000. Peoples United Bank to 33 Westfield LLC, 33 Westfield St.,

SOUTHWICK Dawn M. Leborgne and Matthew R. Leborgne to Richard J. Odell, 93 Berkshire Ave., $249,000.

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Hasmukh L. Gogri and Raksha H. Gogri to Dawn Leborgne and Matthew Leborgne, 3 Robin Road, $347,000. Jaan Development Corp., to Dale N. Guerrette and Lilia A. Guerrette, 12 Noble Steed Crossing, $100,000. Paul H. Whalley and Bonnie Ann Whalley to Becket Academy Inc., 124 Hillside Rd, $370,000.

SPRINGFIELD Adeleke Thomas and Ehimwema Thomas to Floyd Cameron, 18-20 Dresden St., $215,000. Andrew A. Crespo and Daniel A. Crespo to Martha A. Brodeur, 49 Venture Drive, $162,000. Annette M. Pellegrino to Joseph A. Pellegrino Jr., 73 Atwater Road, $462,000. ARJ Enterprises LLC, to Erika Berrouard, 38 Walsh St., $160,000. Bretta Construction LLC, to Huiming Huang, 236 Prentice St., $269,900. Claire Thibodeau to Tiffany Marie Jessup, 46 Harkness Ave., $182,500. Cornelius W. Phillips to Relax Realty LLC, 41 Marble St., $67,250. Craig M. Johnson to Scott Thrower and Jessica Thrower, 242 Plumtree Road, $165,000. Daniel P. Rosen and Michelle

Leslie Curtin to William M. Cottengim Sr., and Laurina M. Cottengim, 419 Southwick Road, Unit E19, $199,500. Us Bank, trustee,and RMAC Trust Series 2016-CTT, trustee of, to Tighe R. Dudeck, 3 Hanover St., $122,000. William J. Brown and Deborah Brown to Andrew J. Pirog and Andrew Pirog, 100 Honey Pot Road, $289,900. William M. Cottengim Sr., William M. Cottengim and Laurina M. Cottengim to Eddie Neal and Zoila Neal, 62 Pineridge Drive, $344,900. WNG Holdings LLC, to Little Parking Lot LLC, 44 School St., $72,500. WNG Holdings LLC, to Saloomey Construction Inc., 44 School St, $72,500.

WESTHAMPTON John P. Omasta to Northampton City Conservation, Westhampton Road, $24,000.

WILBRAHAM

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Shirley Pace to Gary Egli and Kathy Egli, Ferrin Drive, $99,000. William H. Baildon and Amy E. Baildon to Steven Buzzell and Cecilia Buzzell, 110 South Longyard Rd, $344,000.

Klein, 316 Paper Mill Road, $236,000.

413.538.9500 / toll free 877.888.1388 Member FDIC / Member DIF

bankatpeoples.com/mortgage

Bogues, 128-130 Kensington Ave., $255,000. Laura M. Murphy to Benjamin E. Jenne, 223 Emerson St., $184,000.

Gaudette and Carrie A. Gramarossa to Binh T. Le, 1521 Parker St., $155,000.

William R. Pacheco and Rebecca Pacheco to U S Bank, trustee, Lin Li, Corey Fisher and Mulberry and Truman 2016 SC6 Title House Condominium Association Trust, trustee of, 115 Carroll St., to Mulberry House Condominium $148,000. Association, 101 Mulberry St., Willie B. Cuffie to Cynthia L. Unit G-2, $29,000. Curtis, 27-29 Waterford Circle,

$670,000. Sharon A. Fortini, Susan M. Paul and Judith R. Noret to Maddison Mayberry and Samuel Allen, 23 Ridgeview Road, $231,000. U S Bank, trustee, and RMAC Trust Series 2016-CTT, trustee of, to Asmir Katica, 83 Lathrop St., $90,000. Wayne M. Hansen and Lynn M. Hansen to Khalid Dhahir and Sarah Hnfsh, 30 Hillside Ave., $187,000.

Alliance Real Estate Solutions LLC, to Victor W. Bouchard Jr., and Judith L. Inhof, 70 Eddy St., $185,000.

$220,000.

Lockwood Global LLC, to LW Self Storage LLC, Main Street, $635,000.

Gerard Fauteux and Louisette Fauteux to Ronald W. Gresty Jr., WESTFIELD and Rhiannon J. Gresty, 10 WoodAnne M. Jutt, estate, and land Heights, $30,000. Simonne L. Coderre, representaGuy C. Lucia Jr., Guy Lucia Jr., tive, to Mark Hardy and Laura E. and Cheryl B. Lucia to Brenda Hardy, 47 Bates Road, $296,000. L. Dessert, 8 Reed Hill Road,

Matthew Katz to CMJT Management LLC, 1795 Main St., #108, $35,000. Michael Quiros and Beryeline Couvertier to Yao Agbemordzi, 165-167 Laconia St., $245,000. Michele B. Marantz and Steven M. Marantz to Megan A. Hopper, 77 Yorktown Drive, $168,000. Neighborhood Collaborative LLC, to Springfield Water & Sewer

WALES

$150,000.

WARE David A. Park to Nathan A. Park, 9 Hillside Terrace, $241,000. James W. Gelinas, personal representative, Alberta Bernardo,

U S A Housing & Urban Development to Sarah H. Underwood, 100 Riverside Drive, $145,000. Kathy M. Meyer and Ronald T. Lucassen to Vinodkumar Patel and Alpa Patel, 39 Rachael Terrace, $430,000. Lawrence R. Gosselin to Konrad

Robert S. Duffy and Anita L. Duffy to James W. Drummey and Molly Drummey, 17 Hickory Hill Drive, $360,000. Scott A. Fearn and Scott A. Fern to Anita Duffy, 100 Burleigh Road, $285,000.

WILLIAMSBURG James H. Johnson and Carolyn B. Johnson to Ambarish S. Walvekar and Jane L. Edmonstone, 62 South St., $339,000.

HOME & GARDEN

F10 | SUNDAY, FEBRUARY 2, 2020

THE REPUBLICAN | MASSLIVE.COM

3BIG MYTHS % 40 off

Offer ends Dec 31

WINDOW REPLACEMENT

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Myth #2: “Window replacement is difficult.”

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All real estate advertising in this newspaper is subject to the Federal Fair Housing Amendments Act and Massachusetts Labor and Industries Law, which make it illegal to advertise any preference, limitations or discrimination based on race, color, religion, sex, national origin, handicap, familial status, sexual orientation which shall not include persons whose sexual orientation involves minor children as the sex object, genetic information, ancestry, children, marital status, or public assistance recipiency, or an intention to make any such preference, limitation or discrimination. Familial status includes children under the age of 18 living with parents or legal custodians, pregnant women and people securing custody of children under 18. This newspaper will not knowingly accept any advertising for real estate which is in violation of the law. To report discrimination, call the Office of Fair Housing and Equal Opportunity of the U.S. Department of Housing and Urban Development (HUD) at 1800-669-9777. The HUD TTY telephone number for the hearing impaired is 212-708-1455. Acreage & Lots

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THE REPUBLICAN | MASSLIVE.COM

SUNDAY, FEBRUARY 2, 2020 | F11

Auctions

Best local auctions in print and online at masslive.com

Live Onsite & Webcast PUBLIC AUCTION

PUBLIC AUCTION

TUESDAY, FEBRUARY 11TH at 11:00 A.M.

WEDNESDAY, FEBRUARY 12TH at 11:00 A.M.

THURSDAY, FEBRUARY 6TH AT 10:00 A.M.

MORTGAGEE’S SALE OF REAL ESTATE

• SPRINGFIELD • ★ GREAT INVESTMENT PROPERTY ★ 2 - STORY

• CHESTERFIELD • 6 ROOM / 3 BEDROOM 2-STORY

TWO FAMILY STYLE HOME

SPLIT LEVEL STYLE HOME

(2) MORTGAGEE’S SALES OF REAL ESTATE & SECURED PARTY SALE OF PERSONAL PROPERTY

AUTOMOTIVE PARTS STORE • NATIONAL BRAND AUTO PARTS INVENTORY • • FORKLIFT • TRAILERS • • (200) SECTIONS STEEL SHELVING • TOOLS • • SUPPORT & OFFICE EQUIPMENT • TO BE SOLD ON THE PREMISES AND BY LIVE INTERNET BIDDING

• REAL ESTATE • • COMMERCIAL BUILDINGS • LAND • CHICOPEE AUTOMOTIVE WAREHOUSE, INC. AND/OR PERRY’S AUTO PARTS & EQUIPMENT CO., INC. TO BE SOLD ON THE PREMISES AT EACH LOCATION

365-367 CHICOPEE ST. CHICOPEE, MA

363 CHICOPEE ST. CHICOPEE, MA

SEND FOR DESCRIPTIVE PICTURED BROCHURE OR VISIT OUR WEBSITE AT WWW.POSNIK.COM SALE PER ORDER OF MORTGAGEE & SECURED PARTY EDWARD V. SABELLA, ESQ. AND L. ALEXANDRA HOGAN, ESQ. OF THE FIRM OF SABELLA HOGAN, P.C., 1350 MAIN STREET, SPRINGFIELD, MA

ATTORNEYS FOR MORTGAGEE & SECURED PARTY TERMS OF SALE REAL ESTATE: $15,000.00 INITIAL DEPOSIT PER PARCEL BY BANK, CASHIER’S OR CERTIFIED CHECK 5% BUYERS PREMIUM APPLIES DEPOSITS TO BE INCREASED TO 10% OF PURCHASE PRICE WITHIN 5 BUSINESS DAYS. PERSONAL PROPERTY: ENTIRETY: $10,000.00 DEPOSIT CASH OR CERTIFIED CHECK INDIVIDUAL LOTS: 25% DEPOSIT CASH OR CERTIFIED CHECK 10% BUYERS PREMIUM APPLIES ON ALL ONSITE PURCHASES 13% BUYERS PREMIUM APPLIES ON ALL ONLINE PURCHASES OTHER TERMS TO BE ANNOUNCED AT TIME OF SALE INSPECTIONS: SATURDAY, JANUARY 25TH – 10:00 A.M. TO 2:00 P.M. WEDNESDAY, FEBRUARY 5TH – 10:00 A.M. TO 4:00 P.M. & MORNING OF SALE – 8:00 A.M. TO 10:00 A.M. ★SNOW DATE: FRIDAY, FEBRUARY 7TH – CHECK WITH AUCTIONEER’S OFFICE

Aaron Posnik AUCTIONEERS•APPRAISERS

West Springﬁeld, MA • Philadelphia, PA 413-733-5238 • 610-853-6655 MA Auc. Lic #161 • PA Auc. Lic. #AY000241L www.posnik.com • E-Mail:info@posnik.com

PUBLIC AUCTION

WITH

IN-LAW APARTMENT “CLOSE PROXIMITY TO ALL AMENITIES”

87 Garﬁeld Street

• RANDOLPH • 8 ROOM / 3 BEDROOM 2-STORY

COLONIAL STYLE HOME

To be Sold on the Premises

Sale Per Order of Mortgagee Attorney Adam D. Lewis Of the Firm of O’Connell, Attmore & Morris, LLC

1500 Main Street, Springﬁeld, MA Attorney for Mortgagee

To be Sold on the Premises

Features: • 2-Story Colonial Style Home • ±1 ½ Acres of Land • • Total of (8) Rooms w/ (3) Bedrooms & (1 ½) Baths • • ± 1,978 S/F of Area • Oil Forced Air Heat • • Central Air Conditioning • Full Basement • Deck • Vinyl Siding • Public Water & Sewer • ★ Paved Parking for ± 2 Vehicles ★ Sale Per Order of Mortgagee Attorney Keith K. Fuller Of the Firm of Keith K. Fuller 5300 Bigelow Commons, Enﬁeld, CT Attorney for Mortgagee

Terms of Sale: $5,000.00 Deposit Cash or Certiﬁed Funds. 5% Buyer’s Premium Applies. Other Terms to be Announced at Time of Sale.

Aaron Posnik AUCTIONEERS•APPRAISERS

West Springﬁeld, MA • Philadelphia, PA 413-733-5238 • 610-853-6655 MA Auc. Lic #161 • PA Auc. Lic. #AY000241L www.posnik.com • E-Mail:info@posnik.com

Terms of Sale: $5,000.00 Deposit Cash or Certiﬁed Funds. 5% Buyer’s Premium Applies. Other Terms to be Announced at Time of Sale.

To be Sold on the Premises

Features: • 2-Story Split Level Style Home • ± 2 ½ Acres of Land • • Total of (6) Rooms w/ (3) Bedrooms & (1) Bath • • ±1,380 S/F of Gross Living Area Above Grade • • Partially Finished Basement w/ (2) Rooms & (1) Bath • • Oil Hot Water Baseboard Heat • Fireplace • Vinyl Siding • Rear Covered Deck • Vinyl & Carpeted Floors • • Outside Entry/Exit • Private Well & Septic • ★ (6) Car Driveway ★ Sale Per Order of Mortgagee Attorney Joseph J. Lange Lyon & Fitzpatrick, LLP 14 Bobala Road, Holyoke, MA Attorney for Mortgagee

Of the Firm of

Terms of Sale: $5,000.00 Deposit Cash or Certiﬁed Funds. 5% Buyer’s Premium Applies. Other Terms to be Announced at Time of Sale.

Aaron Posnik

AUCTIONEERS•APPRAISERS

West Springﬁeld, MA • Philadelphia, PA 413-733-5238 • 610-853-6655

MA Auc. Lic #161 • PA Auc. Lic. #AY000241L

www.posnik.com • E-Mail:info@posnik.com

PUBLIC AUCTION THURSDAY, FEBRUARY 13TH at 11:00 A.M. MORTGAGEE’S SALE OF REAL ESTATE

• SPRINGFIELD •

★ INVESTMENT PROPERTY ★ 2-STORY

7-UNIT APARTMENT BUILDING “CLOSE PROXIMITY TO ROUTE 91” 3 Sumner Avenue SPRINGFIELD, MA

±1 ½ ACRES OF LAND 34 Cross Street RANDOLPH, MA

SPRINGFIELD, MA

Features: • 2-Story Two Family Style Home • ± 5,500 of Land • • 1ST Floor: (3) Bedrooms, Living Room, Dining Room, Kitchen & (1) Bath • • 2nd Floor: (5) Bedrooms, Living Room, Dining Room, Kitchen & (2) Baths • • Attic: In-Law Apartment • ± 3,384 S/F of Total Living Area • • Oil Warm Air Heat • Full Basement • Zoned: R2-Residential • Public Water & Sewer •

FRIDAY, FEBRUARY 14TH at 1:00 P.M. MORTGAGEE’S SALE OF REAL ESTATE

± 2 ½ ACRES 11 Bryant Street CHESTERFIELD, MA

To be Sold on the Premises Features:

Sale Per Order of Mortgagee Attorney James R. Byrne 100 Pearl Street 17th Floor, Hartford, CT Attorney for Mortgagee

FRIDAY, FEBRUARY 21ST at 11:00 A.M. MORTGAGEE’S SALE OF REAL ESTATE

• CHESTER •

5 ROOM / 1 BEDROOM 1 ¼ STORY

COTTAGE STYLE HOME WITH

TWO CAR DETACHED GARAGE “CLOSE PROXIMITY TO ALL AMENITIES” 14 Melvin Road (f/k/a 61 Round Hill Road) CHESTER, MA

All real estate advertising in this newspaper is subject to the Federal Fair Housing Amendments Act and Massachusetts Labor and Industries Law, which make it illegal to advertise any preference, limitations or discrimination based on race, color, religion, sex, national origin, handicap, familial status, sexual orientation which shall not include persons whose sexual orientation involves minor children as the sex object, genetic information, ancestry, children, marital status, or public assistance recipiency, or an intention to make any such preference, limitation or discrimination. Familial status includes children under the age of 18 living with parents or legal custodians, pregnant women and people securing custody of children under 18. This newspaper will not knowingly accept any advertising for real estate which is in violation of the law. To report discrimination, call the Office of Fair Housing and Equal Opportunity of the U.S. Department of Housing and Urban Development (HUD) at 1-800-6699777. The HUD TTY telephone number for the hearing impaired is 212-708-1455. Apartments/Condos, Unfurnished

0-1-2 BEDROOM AGAWAM FREE HEAT & UTILS No pets. 413-786-6323 16 Acres, 3BR, att. gar., fin. bsmnt., fenced yard, back deck, 1st, last, sec. $1500 Call 413-777-5895

Business/ Commercial Property

A1 SPACE AVAILABLE 500-8000sf Lt Manuf Whse, Office, Art space. Indian Orch Mills 543-3321

To be Sold on the Premises

• 2-Story 7-Unit Apartment Building • ±1/4 Acre of Land • • Total of (5) One Bedroom & (2) Studio Apartments • • Each Unit has (1) Full Bathroom • • ± 2,942 S/F of Gross Building Area • Gas Fired Hot Water Heat • • Full Foundation • Wood Clapboard Siding • • Hardwood & Tile Floors • • Public Water & Sewer • Zoned: Residence C • ★ Paved Parking for ± 10 Vehicles ★ Of the ﬁrm of Updike, Kelly & Spellacy, P.C.

PUBLIC AUCTION

Real estate for rent

Terms of Sale: $10,000.00 Deposit Cash or Certiﬁed Funds. 5% Buyer’s Premium Applies. Other Terms to be Announced at Time of Sale.

Aaron Posnik AUCTIONEERS•APPRAISERS

West Springﬁeld, MA • Philadelphia, PA 413-733-5238 • 610-853-6655

Features: • 1 ¼ Story Cottage Style Home • • Total of (5) Rooms w/ (1) Bedroom & (1) Bath • • ±1,149 S/F of Gross Living Area • Partial Basement • • Wood Shingle Exterior • Porch/Deck • Private Well & Septic • ★ Two Car Detached Garage ★ Sale Per Order of Mortgagee Attorney Gregory M. Schmidt Of the Firm of Doherty, Wallace, Pillsbury & Murphy, P.C. One Monarch Place, Springﬁeld, MA Attorney for Mortgagee

Terms of Sale: $5,000.00 Deposit Cash or Certiﬁed Funds. 5% Buyer’s Premium Applies. Other Terms to be Announced at Time of Sale.

Aaron Posnik AUCTIONEERS•APPRAISERS

West Springﬁeld, MA • Philadelphia, PA 413-733-5238 • 610-853-6655 MA Auc. Lic #161 • PA Auc. Lic. #AY000241L www.posnik.com • E-Mail:info@posnik.com

Rooms Without Board

AFFORDABLE Furnished room $80/wkly. Close to 391 & 91CHICOPEE. Call 538-8860 BELAIR INN - EFFIC WEEKLY RATES stove, 60 channel TV, phone, cable, Rte. 5, West Spfld. 413-781-7825

Animals Birds Cats Dogs Exotic Animals Feed Fish Horses Livestock Pet Services Pet Shows Pet Supplies Pets - Lost & Found Pets Wanted

Cats

3 Tiger Kittens, 2 months old, Fluffy, 1 grey, to good home. Adoption fee $100. 413-356-4064

PLAYFUL KITTEN Male - 2 mths old. Asking $60.00. Call 413-883-5181

Dogs

2 MALE PUG PUPPIES Black/Fawn $1,000/each Call (413)309-9253

AKC GOLDEN RETRIEVERS puppies (8) $2,000 w/papers $1500 without papers. Call 413-221-9818

AKC REG CHOC LABRADOR RETRIEVERS $1850; (2) M/F. Call (607)237-7342

AKC YORKIES Standard Female $1000 Standard Male $900 Ready for Xmas Call (413)883-2592

Beautiful German Shepherd pup (14 wks), female, AKC Reg. $1200 Text (413) 426-1868

CHAMPION GERMAN SHEPHERD puppies for sale, $2500: (4) Ready for Christmas (413)726-4709

CHIHUAHUA Boston Terrier mixed pups, shots/ wormed Male/Female $350ea. (413)354-0886

ENGLISH BULL DOG PUPPY, up dates shots, dewormed, Vet cert. 1 yrs genetics health guarantee. $1900; (413)579-7186

GERMAN SHEPHERD pups, 5M & 3F. (8) Black/Tan & Sables, AKC paperwork, shots, wormed, written Hip & Health guarantee. parents on premises. Raised in country setting. $1100. Call 978-249-3724

German Shepherd pups, champion Czeck bloodlines, 3M, 2F, $800 (413) 218-2321

GOLDEN RETRIEVER (2/F) puppies, Breeding Love for more than 30 yrs. Ready Now! 1/20/20 $1500. 413-367-2405 pm

MA Auc. Lic #161 • PA Auc. Lic. #AY000241L www.posnik.com • E-Mail:info@posnik.com

GOLDEN RETRIEVERS Male, Female, (4) asking $800; READY NOW. Call 413-627-6386

THE REPUBLICAN | MASSLIVE.COM

F12 | SUNDAY, FEBRUARY 2, 2020

Auctions

Best local auctions in print and online at masslive.com MORTGAGEE’S SALE OF REAL ESTATE AT PUBLIC AUCTION

CALL THE PROS

Tuesday, February 4, 2020 1:00 PM-SPRINGFIELD 91 Dunmoreland Street sgl fam, 1,432 sf liv area, 0.14 ac lot, 6 rm, 3 bdrm, 1 bth, fpl Hampden: Bk 14833, Pg 170

Professional Service Directory in Print and Online

2:00 PM-MONSON 19 Flynt Avenue

Place your service ad 24/7. Call (413) 788-1234 or go to: www.MassLive.com

sgl fam, 1,462 sf liv area, 0.25 ac lot, 7 rm, 3 bdrm, 1 bth Hampden: Bk 14663, Pg 132

3:00 PM-SPRINGFIELD 52 Stockman Street a/k/a 52-54 Stockman St 2 fam, 2,246 sf liv area, 0.11 ac lot, 10 rm, 4 bdrm, 2 bth, Hampden: Bk 16382, Pg 225

Friday, February 7, 2020

Ceiling/Drywall

CRANE

11:00 AM-WESTFIELD 5 Northridge Road sgl fam, 1,632 sf liv area, 0.34 ac lot, 7 rm, 3 bdrm, 2 bth, fpl Hampden: Bk 20946, Pg 298

12:00 PM-HUNTINGTON 29 Russell Road multi-unit, 3,410 sf liv area, 0.32 ac lot, 10 rm, 4 bdrm, 3 bth Hampshire: Bk 8465, Pg 337

Ceilings & Walls Restoration Specialist! Veneer plaster systems All drywall finishes. Stucco repair Family owned and operated since 1960 Call Don (413)949-1269

3:00 PM-WEST SPRINGFIELD

Masonry/Concrete

Trash Removal

ABC Masonry & Basement Waterproofing STOP ALL WATER LEAKAGE Brick, block, stone, stucco, concrete, chimneys, foundations, hatchways, New & repair. Basement windows, sump pumps, and damp proofing. Lic 120263 569-1611 or 413-374-5377

AAA Call - We Haul We Take it all junk & trash removal, appl. demo, closings, attics, bsmt. V/MC/CK. Free est. Ins. 10% Discount w/AD

Articles for Sale

WE LOADED IT ALL CALL 1-413-531-1936

1608 Memorial Avenue, Unit #1608 (The Wentworth Estates Condominium) condo, 759 sf liv area, 2 bdrm, 1 bth Hampden: Bk 17674, Pg 19

TERMS: $5,000 cash or certiﬁed check at the time and place of the sale. The balance to be paid within thirty (30) days at the law ofﬁces of Korde & Associates, P.C. 900 Chelmsford Street, Suite 3102, Lowell, MA 01851, Attorney for the Mortgagee. Auctioneer makes no representation as to the accuracy of the information contained herein.

BAY STATE AUCTION CO, INC. NORTH CHELMSFORD (978) 251-1150 www.baystateauction.com MAAU#: 2624, 2959, 3039, 2573, 2828, 116, 2526, 2484, 3246, 2919

AUCTIONEERS • APPRAISERS

PAUL E. SAPERSTEIN CO., INC.

Tel: 617-227-6553 • www.pesco.com • MA Lic 295

Dogs

LABRADOR German shepherd hybrid pups, 8wks; shots, $500/ea. Male/ Female (3) (413)752-4209

5 drawer dresser wood, great cond., $76.00 413-569-1830

Olde English Bulldog Pups 8wks dewormed shots many colors. Reg. ioeba, 1 m/f , $850. 413-258-3417

8’ snowplow blade for farm tractor, made to mount on bucket of tractor. $249.00 413-569-1830

Rottweiler Puppies 2, ready NOW, $1,000 each. Call 413-589-0314 SIBERIAN HUSKIES FOR SALE - 3 Males First shots and dewormed, 650each. call 802-895-2784

Mortgagee’s Sale of Real Estate at Public Auction

WESTFIELD MORTGAGEE’S SALE OF REAL ESTATE AT PUBLIC AUCTION

Monday, February 3, 2020 at 11:00 am Springfield - Ranch • 9 Glenwood Street • 5,632 Sf Lot • 924 Sf Gr Living Area • Rms, 2 Bdrms, 1 Bath TERMS: $10,000.00 cash or certified check at the time and place of the sale. The balance to be paid within thirty (30) days at the law offices of Attorney for the Mortgagee. Mortgage Ref, Book 20050, Page 361 Hampden Registry, dated 10/3/13. Auctioneer makes no representations as to the accuracy of the information contained herein

Auctioneer CHELMSFORD (978) 250-1540

Mass License #711 • jumppcompany.com

2 Parcels of Land / 2 Bldgs 2% Co-Brokerage Offered 4 & 6 KING STREET, WESTFIELD, MA WED, FEB 12, 2020 AT 11AM 4% Buyers Premium. Abutting parcels of land totaling 13,995+/sf of land. 4 King Street: 3,300+/-sf of land improved by a 2+ story 1,383+/-sf single family home believed to have 6 rooms, 2 bedrooms & 1 bath w/ unfinished basement & porch. 6 King Street: 10,695+/sf of land improved by a 2,705+/-sf brick building currently used as a church w/ central a/c. Terms of sale: A deposit of $15,000 by cash, certified or bank check will be required at the time & place of sale & balance in 30 days. 4% Buyer’s Premium All other terms announced at sale. Neither Auctioneer nor Mortgagee nor Attorney makes any representations as to the accuracy of the information contained herein. James C. Fox, Esq, Ruberto, Israel & Weiner, P.C, Boston, MA, Attorney for Mortgagee

RECEIVER’S SALE OF REAL ESTATE AT PUBLIC AUCTION On the premises

2:00 P.M. ON FEBRUARY 5, 2020 at

SATURDAY AFTERNOON ESTATE AUCTION February 8, 2020 1:00 P.M. Preview begins at 11:00 A.M. Royal Doulton toby mugs, Cameras, Country Store, Sterling Silver, Gold, Silver and Costume Jewelry, Quality Glass & China, and more. Please visit WWW.BIFFWAY.COM on Tuesday Evening for an extensive photo gallery. BIFF-WAY AUCTIONS, INC. 485 Amherst Road (Route 9) Belchertown, Ma. 413-256--3500 Lic. 2301 No Buyer’s Premium

71 YALE STREET SPRINGFIELD, MA Western Div. Housing Court, Docket No. 15-CV-902 _____________________________________________ TERMS: $5,000.00 deposit to be paid at the time of sale by certified or bank check. Balance paid within 10 days of Housing Court approval of the sale. Sale and buyer subject to Housing Court approval. Sale subject to 5% Buyer’s Premium. Additional terms to be announced at sales. CHRISTOPHER C. JOHNSON, Esquire, Attorney for Receiver 776 Westfield St., West Springfield, MA 01089 Telephone: 413 732-8356

DAVID W. YOUNG, AUCTIONEER MA License No. 477

A Indian cooking class gift certificate for $45 2 hr class plus meal. Call 413-543-1138.

A Vegetarialn cousinne (Vegan) Indian cooking class $59. 543-1138 ww w.malaindiancooking class.com

Exotic Animals

SUGAR GLIDER Baby yearling, (1) $50. 413-259-5351

Merchandise Antiques/Collectibles Appliances Articles for Rent Articles For Sale Audio Building Materials Cameras Camping Equipment Clothing Coins and Stamps Construction Equipment Do-In-Yourself Materials Electronics/Compuiters Fitness Equipment Flea Markets Forklifts and Equipment Fuel Furniture, Etc. Good Things To Eat Hot Ticket Items Jewelry Lawn & Garden Lawnmower & Snowblower Machinery & Tools Med. Equipment Sales/Wanted Miscellaneous Musical Instruments Office Equipment Pools, Spas & Accessories Professional Equipment Restaurant Equipment Seasonal Snowmobiles Sports Television Tickets Video Vintage Clothing Wanted to Buy Wood-Burning Stoves

Wood changing table & drawers, great cond. $76.00. Call 413-569-1830 Lawnmowers & Snowblowers

5HP Briggs & Stratton push mower, 20’’ cut, $72.00 Call 413-569-1830 7 1/2 FT snowplow blade, no frame or hydraulics, just blade. $224.00. Call 413-569-1830 AIRENS SNOWBLOWER 9. 25HP. Tecumseh enginee, 27in clearning width, elec starter, $350; (413)737-8909

Ariens Snowblower 7HP for parts $99.00 Call 413-569-1830 Ariens Snowblower 7HP for parts or fix. $89.00 Call 413-569-1830

BASEBALL, Football Basketball & Hockey cards, 1950’s-present, 50 to 90% off, selling boxes for $5.00. BUYING ALL SPORTS CARDS, ESPECIALLY WANTED CARDS OR ITEMS FROM 1900 TO 1960. RETIRED KOREAN WAR VET 413-596-5783

C13 Zeppelin Stamp $100 Got stamps? Call Ron 413-896-3324 Stamps wanted

Christmas tree 7’ beautiful 3pc sec. balsam, must see! Some lights & ornam. $75./bo 594-7775

Dining Room table & 4 chairs. $40.00. Call 413-734-8315 9-4pm.

FOLDAWAY POOL TABLE ASKING $100; NEW IN BOX

(413)737-7306

Last minute gift - 3 hour Mala Indian Cooking class (Chicken Pikka Masala) $69. for 1 or $109. for 2. 413-885-7272

Craftsman 9HP Snowblower, runs but needs work. $224.00 Call 413-569-1830 Husqvarna 5HP Snowblower, runs but needs work. $249.00 Call 413-569-1830 Husqvarna Riding Tractor, no mowing deck, runs but needs work $99.00 Call 413-569-1830 Snapper Walk behind Rototiller, 4.5 HP, runs but needs work. $89.00 Call 413-569-1830 TORO ELECTRIC SNOW SHOVEL Paid $120; asking $75 used once. (413)289-9020 Machinery & Tools

DELTA MEDI LATHE variable speed, with stand $500 Call 413-532-8618 Med. Equip Sales/Wanted

OUTLANDER Series scooter & chair lift attaches to trailer hitch, good cond $550/BO.; Call Earl (413)265-3212 lve msg. Musical Instruments

OAK KITCHEN TABLE 2 Extra Leaves 38" X 58" Brand new Cond. $40/ Best Offer. (413) 583-3740

LOWREY ADVENTURER ORGAN, Bench, headphones, & many song books included, paid $1540, sell $500; negotiable Excel cond. Call (413)237-0435

POWERMATE 6250 WATTS GENERATOR $800; INCLUDES KIT Call (413)733-1613

PIANO: 1999 YAMAHA Professional Upright excellent condition Photos available $2,500 del. (413)544-4477

Appliances

Whirlpool gas stove, 4 burner, self cleaner, beige, $165.00. Call 786-4423

Sporting Goods

ATOMIC Ti Skiis with bindings, 121cm. $75; Call 413-533-7307

Wanted To Buy

WANTED FREON R12. We pay CA$H. R12 R500 R11. Convenient. Certified professionals. 312-697-1976 Refrigerantfinders.com/ad

Auctions Auctions

AARON POSNIK & CO. INC. Indust & Comm. Auctions 31 Capital Dr. W. Spfld. 733-5238 www.posnik.com

DouglasAuctioneers.com

ESTATES-ANTIQUES 413-665-2877 MORTGAGEES’ REAL ESTATE AUCTIONS TO BE SOLD ON THEIR RESPECTIVE PREMISES

MONDAY FEB. 10, 2020 12:00 PM - WESTFIELD, MA 22 A MONTGOMERY ROAD, UNIT 6, MURMONT HEIGHTS CONDOMINIUM DEPOSIT $5,000 TERMS OF SALES: DEPOSITS IN THE AMOUNTS SPECIFIED ABOVE ARE TO BE PAID BY THE PURCHASER(S) AT THE TIME AND PLACE OF EACH SALE BY CERTIFIED OR BANK CHECK. ALL BALANCES DUE ARE TO BE PAID WITHIN 30 DAYS OF EACH INDIVIDUAL SALE. OTHER TERMS, IF ANY, TO BE ANNOUNCED AT EACH SALE. CALL OUR AUCTION SCHEDULE LINE AT (617) 964-1282 FOR A LIST OF THE CURRENT DAY’S AUCTIONS AND VISIT OUR WEBSITE www.commonwealth auction.com FOR CONTINUOUSLY UPDATED SCHEDULING INFORMATION AND ADDITIONAL SCHEDULING INFORMATION COMMONWEALTH AUCTION ASSOCIATES, INC. (617) 964-0005 MA LIC 2235