Dec. 2, 2012 Issue 61

December 2, 2012 - Vol 46

P R E S E N T E D

B Y

T H E

G O L F I

T E A M

Season’s Greetings from the Golfi Team

Rob Rob Golfi Golfi Sales Sales Representative Representative

HOME EVALUATION NO COST • NO OBLIGATION

905-575-7700 • 905-945-0188

Page 2

The Golfi Team Real Estate Market Watch

About Rob Golfi

S

ince the inception of his career in 1997, Rob Golfi has recognized that understanding his clients’ needs is essential to providing excellent service.

As business grew, Rob assembled the Golfi Team in an effort to maintain the same level of professionalism clients have come to expect. Shortly thereafter in 2003, the team received the prestigious honour of being among the top 100 Real Estate Teams for RE/MAX Canada, and this status continues to date.

Rob’s experience and aggressive negotiating skills have earned him every major honour awarded by RE/MAX, including President’s Club, 100% Club, Platinum Club, Chairman’s Club, Hall of Fame in 2003, the Lifetime Achievement Award in 2006, his SRES® designation in 2009 and the Diamond Club Award in 2010. Having worked with

many of the industry’s professionals over the years, he has the necessary edge to best negotiate the sale of your home.

Any agent can list your house, but Rob’s knowledge, extensive marketing background and dedication gives clients peace of mind when dealing with the single most important investment in their lives. With years of combined experience, the Golfi Team can provide your home with a level of exposure that most agents cannot. Utilizing a team approach also means that they will likely find a purchaser to buy your home sooner, rather than waiting for other agents to approach you with potential buyers.

Ranked in the top 5 of nearly 2,000 sales agents in the Hamilton-Burlington and Niagara areas, listing with Rob and the Golfi Team is the right choice when choosing someone to represent your best interest. -Å

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December 2, 2012

Should I list my house over Christmas?

T

is the season to be jolly...but is it the season to sell property?

One of the most sought after house selling tips is “when is the best time to sell my property?” and when it comes to discussing Christmas, opinions are divided. This is because there are both advantages and disadvantages to selling your property over the holidays.

One major practicality issue is the fact that many people choose the Christmas break to go on vacation. An obvious consequence of this would be a reduction in the number of potential buyers, but don’t overlook the possibility that your real estate agent might be taking some time off too! It is important to ensure that you have all your resources available to you if you plan to sell your house during this period.

The buyers who do continue to scout the market over the holidays may be suspicious of your house-selling motivations, wondering why you are devoting your time to getting rid of the property rather than opting to relax with your family. They might assume that you are in a desperate situation and need to sell your house quickly to relieve yourself of a financial debt or because you have already bought another home. If they believe that you are impatient to sell, buyers are more likely to make offers lower than the asking price with the result of either diminishing your profits or needlessly dragging out negotiations until you are satisfied.

However, others may argue that selling your property during Christmas can actually attract a better price for your house. During the holidays, the number of houses on the market decreases, reducing competition between sellers and increasing competition between buyers.

As buyers bid to secure your home for themselves, they may end up offering far more than you originally asked. People who seek properties during the holiday months are usually fairly serious about

purchasing and it is likely that you will make a quick sale as most buyers would want to have moved in and settled before the new year.

Christmas can also enhance the attractiveness of a property, not only because the first month of summer will provide a bright, sunny setting for your house but also because the festive season can make your home seem even more inviting. You can use this to your advantage by using some simple staging tips to guide your Christmas decorating efforts.

Choose tasteful decorations and use them sparingly. In preparing your home for sale, you have probably removed a lot of clutter and you don’t want to undo all your hard work by replacing it with an excess of decorations. You are aiming to capture the holiday spirit whilst giving the illusion that your home is larger and more spacious than it really is.

As such, try and replace your usual human-sized Christmas tree with something smaller, perhaps a table-top tree which can double as a centrepiece on the sideboard. If you are an avid fan of banners, try opting for a more natural theme by using evergreen garlands instead.

Pack away any presents which may be laying around or restrict them to one corner in an attractive arrangement (try using groupings of 3 or 5). Try and keep religious items to a minimum; you want the buyer to visualise themselves living in your home and this can be difficult if they are constantly being bombarded by reminders of your beliefs. Removing religious items will also serve to protect your privacy.

Should you decide that the sale of your house will benefit from being listed over the Christmas period, be sure to follow these simple tips and you will soon be free to enjoy the happy holidays with some extra cash in the bank!

3 6 7

The Solution Fill in the grid above, so that each row of 9 squares, each column of nine and each section of nine (three squares by three) contains the numbers 1 through 9 in any order. There is only one solution for the puzzle and the numbers shown can NOT be changed.

Call the Golfi Team for a FREE Market Evaluation

Your home could be worth more than you think!

905-575-7700

www. GolfiTeam .com

6

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December 2, 2012

The Golfi Team Real Estate Market Watch

Page 3

Facts About the GOLFI TEAM‌ 3 Over $65 Million in Sales Annually** 3 #1 Real Estate Office in Hamilton-Burlington* 3 Amongst the Top Sales Reps in Ontario** 3 Ranked Top 50 Teams in Canada for ** 3 Ranked Top 100 Teams world wide**

1998

Rob Golfi Sales Representative

2003

2003

2006

2010

OVER $460 MILLION IN REAL ESTATE SALES *#1 Brokerage in the Realtors Association of Hamilton Burlington MLS from 1994 to 2010 consecutively. **Year End Standings for 2010, based on residential commissions paid. Rankings are compiled from figures submitted by regional offices.

Rob Golfi

Sales Representative

Sharon Stafford Sales Representative

Kristina King

Sales Representative

Heather Reid

Sales Representative

Vince Lazaruk

Sales Representative

Hans Marcellissen Sales Representative

John Hellicar

Sales Representative

Wendy Murray-Nicholson Sales Representative

Rosemarie Fournier Listing Co-ordinator

Melissa Davidson Office Manager

Together Delivering More...

Call Today 905-575-7700

Mike McNeil

Sales Representative

Page 4

The Golfi Team Real Estate Market Watch

December 2, 2012

When can you walk away from a house deal? deposit, once the offer is accepted by the seller. The buyer cannot just change their mind or they can be sued.

For example, the buyer offers $300,000 for a house which is accepted. The buyer changes his mind and doesn’t pay the deposit and walks away from the deal. The seller resells the property for $275,000. They can still sue the first buyer for the difference, or $25,000.

P

utting your home up for sale can be a tough decision, but once made and the ball is rolling, you may not be able to change your mind. Last week’s column about a $3.3 million home sale that went wrong for the seller prompted several related questions from readers. Here they are: Is there a buyer’s remorse period in Ontario?

If you are buying a new condominium from a builder, you have 10 days to change your mind. You do not need a reason. This does not apply if you buy a new house from a builder and does not apply if you are buying a resale home or condominium. Why condos only? The clause is included in the Condominium Act. Can a buyer sign an offer and then walk away?

The Ontario real estate contract gives a buyer 24 hours to pay the

Can buyers use conditional clauses as escape hatches?

Most real estate contracts are conditional on the buyer being able to get a mortgage and being satisfied with a home inspection. Other conditions include being satisfied with a condominium status certificate when buying a resale condo.

Many buyers think these conditions give them the right to just change their minds. It is not that easy. The case law has demonstrated that buyers must try and satisfy any condition in good faith. This means that you need a legitimate reason why you found the home inspection report or condominium status certificate unsatisfactory.

Who gets the deposit when buyers change their mind?

In most cases, the deposit is held by the seller’s real estate brokerage, in trust. Under the law, when a deal breaks down, the brokerage cannot pay the deposit to

Be sure you fully understand the details before closing a real estate deal.

anyone without either a mutual release or direction signed by both the buyer and the seller, or an order of the court. As such, when deals do not close, if there is no agreement, the deposit can be locked up for a long time, and the buyer will not have access to it to make an offer on another property.

Is there a “legal” way for a buyer to get out of a deal?

It depends. If for example, there was a right on your title for the City to access 20 per cent of your property for any reason, known as an easement, and that was not disclosed to the buyer, they can usually cancel the agreement without penalty.

However, there have been other

cases that indicate if there is a problem with a city work order or title problem for which the seller can obtain title insurance to protect the buyer, then the buyer cannot refuse to close. A buyer can also cancel if there has been substantial damage to the property before closing, such as a flood that was not repaired. You can’t refuse to close if the oven is not working.

The better answer in all of these situations is to be very careful and serious before you make any decision to buy a home. Changing your mind later can be very expensive.

Mark Weisleder is a Toronto real estate lawyer. Contact him at mark@markweisleder.com

Performance Mercedes-Benz Dealer of the Year 2012

371 Ontario Street, St. Catharines 905-685-3838 | 1-800-567-1101 performancemercedes.ca

FREE HoME EvaluaTion No Cost or Obligation

Call Rob Golfi Today!

905-575-7700 / 905-945-0188 www.golfiteam.com

Crossword Solution

December 2, 2012

The Golfi Team Real Estate Market Watch

Page 5

Grimsby, Lincoln West Lincoln & Niagara

Rob Golfi*

bEAmsViLLE $459,900 4960 Kennedy Street

bEAmsViLLE $454,900 4024 Bush Crescent

grimsby $449,900 364 Mountain Road

ViNELANd $249,950 3380 Tallman Drive

Everything you wanted in a house and more – 4 bedrooms with professionally finished basement, fenced and landscaped yard, beautiful maple kitchen with breakfast bar and ceramic floors, backsplash, and located in a great family neighborhood.

Outstanding and immaculate! This Hillside Estate home shows beautifully. Featuring maple kitchen with breakfast island and butler’s pantry to dining room. 9 ft ceilings, 8 ft wide sliding doors to fenced and landscaped yard with large 12 x 34 ft deck.

Sprawling 3+2 bdrm home on aprx 1 acre. Eat-in kitchen, open concept LR, formal DR, den, master bdrm w/ensuite & walk-in closet, main flr laundry, & dbl car garage. 2nd kitchen, rec room, 3pc bath. Above ground pool. Many updates.

Fantastic 4+1 bedroom family home features eat-in kitchen, spa bathroom, single attached garage, a large private fenced in backyard, easy highway access and walking distance to amenities. Updates incl: Tankless hot water heater, new flooring, roof aprx. 6yrs new, newer furnace & A/C.

$1836.92 per/mth P&i / O.A.C.

$1816.94 per/mth P&i / O.A.C.

$1796.97 per/mth P&i / O.A.C.

$1247.93 per/mth P&i / O.A.C.

grimsby $319,000 8 Stanley Avenue

bEAmsViLLE $379,900 4495 Frances Crescent

grimsby $319,900 683 Ridge Road West

ViNELANd $649,900 3274 King Street

Fantastic 2+2 bedrm home w/open concept main floor, custom maple kitchen w/breakfast bar, new vinyl windows, flooring, trim & shingles. Master bdrm w/walk-in closet, prof. fin. basement, above ground pool on huge lot.

PRESTIGIOUS 2 STOREY – Only 4 yrs new, features grand foyer, oak stair case, gleaming hardwd flrs in family rm w/showcase fireplace, maple kitch w/breakfast bar island, transom windows on main level, professionally finished basement, beautifully landscaped yard w/fenced yard.

Beautifully decorated 3+1 bedroom bungalow. Updates include granite kitchen counters, newer roof, furnace 07, updated windows, entry doors, and patio door. Large 16 x 28ft. deck off kitchen. Rec room with wood burning fireplace, office area, great room, laundry, and storage.

Spectacular, luxurious & Immaculate best describes this awesome beauty sitting on 1.3 acres on the bench of the escarpment with panoramic views of Lake Ontario surrounded by vineyards and neighbouring ranch, 4 bedrms, 4 car garage, granite, hardwd flrs, + + + shows like a dream.

$1274.14 per/mth P&i / O.A.C.

$1517.38 per/mth P&i / O.A.C.

$1277.73 per/mth P&i / O.A.C.

$2595.81 per/mth P&i / O.A.C.

FREE Market Evaluation grimsby

$699,900 253 Ridge Rd

ViNELANd $185,000 3933 Durban Lane

Spectacular Stately home sitting on 1.26 acres minutes to downtown Grimsby. Features 3+2 bedrooms, 3 bathrooms, gorgeous, updated, new designer kitchen, all season sunroom, professionally finished basement. Nothing has been spared. A must see.

Get inside to see this lovely home! Generous foyer opens to the comfortable living room. Eat-in kitchen w/sliding doors to large deck. Buyer to be approved by Landlord. Land lease fee $328.84/mth. Estimated taxes $160.37/mth.

Maintenance plan Gold $162/mth or $105/mth.

$2795.51 per/mth P&i / O.A.C.

$738.92 per/mth P&i / O.A.C.

Your home could be worth more than you think!

905-945-0188

WEsT LiNCOLN $639,900 8729 Twenty Road CUSTOM BUILT home backing onto Twenty Mile Creek. Kitchen with granite and large island, hardwood floors, pot lights, living room with cathedral ceilings and stone fireplace, large master bedroom with hotel style ensuite. Thousands of dollars spent on exterior landscaping. This home is truly a dream come true. $2555.86 per/mth P&i / O.A.C.

grimsby $329,900 39 Mountain Street

jOrdAN $547,000 2869 Prince William Street

grimsby $849,900 2 Shoreline Crescent

grimsby $459,900 23 Tunbridge Crescent

LEGAL DUPLEX – In the core of Grimsby! Rare find, this beautifully maintained 2 self-contained: 2 BR & 3 BR units, sitting on 84x106 ft. lot, 2 new furnace & c/air 2006, all updated vinyl windows 2010, new shingles 2001, & a professionally finished basement.

Full of Charm & character – a two-family home with upper floor fully rented, sitting on large lot in in the heart of Jordan Station, features hardwood floors, Cathedral ceilings, includes 3 kitchens and 4 bathrms, quick access to QEW.

LAVISH TOP TO BOTTOM - Elegant home on Lakeside Crescent. The new owner will reap the benefits of this over improved custom reno’d home w/waterfront views. Features entrance w/marble floors, designer kitchen w/oak cabinets, granite counters, stone backsplash, cherry hardwood floors.

9 year old One Floor Beauty. Open concept home features hrdwd, cer & carptd bed. Main flr family room with walkout to fenced in back yard with spacious deck.

Basement is professionally finished with oversized recroom, bathroom, bedrooms & office space

$3394.64 per/mth P&i / O.A.C.

1836.92 per/mth P&i / O.A.C.

1317.67 per/mth P&i / O.A.C.

$2184.81 per/mth P&i / O.A.C.

grimsby $479,900 288 Kemp Rd. W

grimsby $474,900 53 Sumner Crescent

smiTHViLLE $469,900 14 Sarah Crescent

WEsT LiNCOLN $315,900 9407 Silver Street

Unique property zoned for priv. club recreational use; suitable for many types of organizations on priv. 25 acres of land w/mutual picnic area. Banquet/dance hall 2500 sq. ft with 12’ ceilings, FP, full kit facilities, bar area, coat check, bthrms & spacious bsmt for storage.

DYNAMITE DEAL IN GRIMSBY! 5 BR home including laundry rm, all on second flr. Features gorgeous hardwood floors, grand foyer w/oak spiral staircase, maple kitchen cabinets, rich hotel style ensuite bath w/glass enclosed shower, & a professionally finished basement w/9ft ceilings.

Station Meadows Beauty. 2600 sq ft, 4 bdrm. Incl main laundry, soaring ceilings in the main flr family rm, oversized eat-in kitc & w/o to deck & pool-sized yard. Basement fin w/ rec room & additional rms for bedrms or office

Amazing home on 100 x 200ft lot, built in 1953, has an open concept LR/DR w/hrdwd flrs, huge master suite, new HighEff gas furnance/CA, updated bath, entry doors, & water cond.. Bonus rm over the garage.

$1896.83 per/mth P&i / O.A.C.

$1896.83 per/mth P&i / O.A.C.

$1876.86 per/mth P&i / O.A.C.

$1277.73 per/mth P&i / O.A.C.

Call Today 905-945-0188

Page 6

The Golfi Team Real Estate Market Watch

December 2, 2012

Showcase Homes

sTONEy CrEEk

$549,900

39 Sasha Court TRENDY AND STYLISH! This move-in-ready, 6 years new, 2 storey, 4 bedroom home boasts open main floor with maple kitchen, granite counters, porcelain tiles and breakfast bar, hardwood floors throughout with oak staircase. Two storey family room with show case stone fireplace, surround sound and speakers throughout, rich hotel-style bathroom with large dream come true walk in closet, smart wire cat-5. 9 ft. ceilings in basement with oversized windows.

Fully landscaped with coloured concrete drive. Shows like a dream!

Call Rob Golfi today at 905-945-0188 for a private viewing.

bEAmsViLLE

$459,900

4960 Kennedy Street EVERYTHING YOU WANTED IN A HOUSE AND MORE! 7 years new, this 4 bedroom home is in immaculate condition and features a professionally finished basement with walk out and extra-large windows, fenced and landscaped yard, 9 ft. ceilings, large country-size kitchen with maple cabinets, breakfast bar, ceramic floors and backsplash. This property is located in a great family neighbourhood. Don’t miss out!

Call Rob Golfi today at 905-575-7700 for a private viewing.

www.golfiteam.com

December 2, 2012

The Golfi Team Real Estate Market Watch

Page 7

Matrimonial home, or not? A $500,000 question

A

matrimonial home is recognized as a very special asset by the law in Ontario. That means that if the home is sold, it will usually be divided equally between the married couple, regardless who paid for it. Even if only the husband or the wife is on title to the property, it will take both of them to agree in writing to sell it.

In 1993, David Debora bought a cottage in Oro township, near Barrie as an investment. It was a 10,000 square foot cottage on 5 and a half acres of lakefront property. He bought it through his company of which he was the only shareholder.

A year later, in 1994, he married Miriam Debora. They had been living together for seven years and had a child together in 1989.

The couple separated in 1995 and started fighting over property rights and support. They did not sign a marriage contract when they married and the cottage which was worth $840,000 at the time of their marriage was worth $1 million at the time of separation.

If the cottage was an investment property, then Miriam could have claimed up to 50 per cent of the gain in value of the cottage during their marriage, or 50 per cent of $160,000, which was $80,000.

However, if the cottage was a matrimonial home, then Miriam could claim up to 50 per cent of the entire $1 million value or $500,000.

It was clear from court documents that the couple used the cottage year round.

In a decision dated September 5,

2006, the Ontario Court of Appeal confirmed that even though the property was owned by a company, since David controlled the company, he in fact owned the cottage. As a result, Miriam was able to collect $500,000, since the property was used as a matrimonial home at the time they separated.

If David had wanted to protect himself, he should have asked Miriam to sign a marriage contract before they married. In it, she could have agreed not to make a claim on the cottage, or limit any claim to the increased value after the marriage.

A couple can have more than one home considered as a matrimonial home, as long as they use it with their family during the year. So if you have a home in the city, a summer home and a chalet for skiing, all three can be considered matrimonial homes and the same rules apply to each property.

However, let’s say you bought a home and then got married. On the date you got married, the house was worth $300,000. You lived in it for five years as your matrimonial home, but then you bought a second house that you moved into together.

The first house is now used as a rental. It is still in your name.

While you will own the second home together as a matrimonial home, the first house will no longer be considered a matrimonial home.

Therefore, if you later split, you will still be able to get credit for the full $300,000 that your house was worth on the date of the marriage, and you will only have to split the gain with your spouse.

When it comes to selling a house after the parties have separated, similar rules apply. Even if the house is registered in only the wife’s name, the husband will have to give permission to the sale, even if he moved out a long time ago, if at the time of separation it was their matrimonial home and they are still not divorced or have not signed a separation agreement.

These rules do not apply if you are not married. If you are living in a common-law relationship and only one person is on title, then that

is the only person who needs to sign to sell the home. You must get your name on title to protect your interest in any property if you are not married.

If you are not sure who has to sign for the sale of your home, always get legal advice first so that all proper parties sign your agreement. It will save a lot of stress later.

Mark Weisleder is a Toronto real estate lawyer. Contact him at mark@markweisleder.com

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Page 8

The Golfi Team Real Estate Market Watch

December 2, 2012

CARE TO COMPARE

BunGaloWS

AVERAGE SELLING PRICE

$512,000

BURLINGTON

3

GRIMSBY 5

LINCOLN 7

SMITHVILLE

$354,000 $222,500

ANCASTER

$302,600

1

$328,000

$244,500

$346,000

$378,000

$506,000

Average Selling Price of Homes in each Area: 2

GLANBROOK 4

HAMILTON 6

STONEY CREEK 8

WEST LINCOLN

www.golfiteam.com

December 2, 2012

Rob Golfi*

The Golfi Team Real Estate Market Watch

Page 9

Hamilton, Stoney Creek, Ancaster, Dundas & Glanbrook

TOO NEW FOR PIC HAmiLTON EAsT $189,900 161 Glennie Ave

sTONEy CrEEk $549,900 39 Sasha Court

sTONEy CrEEk $350,000 39 Kilbourn Avenue

HAmiLTON WEsT $149,900 1966 Main Street W., Unit #103

5 BEDROOMS AND LOCATION ROCKS! Quiet court, walk to school & shopping. Big renovated eat-in kitchen (appl. included) with walkout to huge deck and pool. 200 amp, updated windows, doors, siding, furnace and A/C, bathroom and foundation waterproofed from the outside.

TRENDY AND STYLISH! This move in ready 6 yrs. new, 2 storey, 4 bedroom home boasts maple kitchen with granite counters & breakfast bar, 9ft ceilings, hardwood floors, show case fireplace in family room, fully landscaped with coloured concrete drive. Shows like a dream.

OUTSTANDING IMMACULATE HOME! Completely redone top to bottom gorgeous new kitchen w/granite counters & tumble marble backsplash, updated bathrooms, new trim, pot lights, new gleaming hardwood floors, updated vinyl windows, fin. basement w/new Berber carpet.

Well maintained condo overlooking peaceful gardens & picnic area, features 3 large sunny bedrms, spacious living/dining room, in-suite storage plus locker, saltwater pool, sauna, tennis courts, great underground parking space & easy HWY 403/Linc access & McMaster.

$758.49 per/mth P&i / O.A.C.

$2196.39 per/mth P&i / O.A.C.

$1397.96 per/mth P&i / O.A.C.

$598.72 per/mth P&i / O.A.C.

HAmiLTON WEsT $434,900 39 Melbourne Street

HAmiLTON CTr $174,900 11 Greenaway Ave

HAmiLTON mTN $339,900 95 Rolston Drive

HAmiLTON mTN $449,900 84 Onyx Drive

West Hamilton Gem! Steps from Locke St., walking distance to schools. Shingles, soffit, facia, windows, furnace, A/C, wiring/panel, plumbing, prof. brick restore on entire house, flring, kitch, baths - 2012. Open concept kitch w/granite counter tops. 9 ft. ceilings w/California knock down.

Beautiful all brick 2.5 storey single family home. Features 5 bedrooms & lots of possibilities! Newer hardwd flrs, updated kitch & baths, clean & fresh décor, nothing to do but move in! Includes single garage w/lots of parking & close to public transit.

SCENIC VIEW! Fabulous home w/lots of extras, roll up shutters on some windows and sliding doors, huge family room with walkout, dining area walkout to balcony, irrigation system, dbl garage, loads of closet space & storage.

Updates: kitchen, windows, shingles, furnace/CA & more.

Incredible 2600 sq.ft. 2-storey, 4 bedroom home with gorgeous hardwood floors, maple kitchen with granite counter tops and breakfast island. Spa-like ensuite off master bedroom and large walk-in closet. Fantastic size dining room with showcase fireplace in family room.

$1796.97 per/mth P&i / O.A.C.

$698.58 per/mth P&i / O.A.C.

$1354.02 per/mth P&i / O.A.C.

$1796.97 per/mth P&i / O.A.C.

HAmiLTON WEsT $329,900 163 Caroline Street South First time on the market, ever!!! Very unique layout featuring an updated kitchen, boiler, roof, wiring, flooring, electrical panel, windows, doors, bathroom, main floor laundry & beautiful den/sun room with updated skylights overlooking private yard!! Bonus double width driveway. $1317.67 per/mth P&i / O.A.C.

HAmiLTON EAsT $219,900 542 Corbett Street Very large raised ranch with high ceilings in the finished basement. 2 full bathrooms and in-law potential! Attached garage with inside entry and new 10x12 shed built in 2012.

3 bedrooms with hardwood floors. Updated roof, furnace & C/A.

Call the Golfi Team for a FREE Market Evaluation Your home could be worth more than you think!

905-575-7700

HAmiLTON mTN $164,900 36 Poplar Avenue LOCATION, LOCATION! Walk to Juravinski, steps to mountain brow & shopping. Loads of character and perfect for a young couple! This property features beamed ceilings, private back yard, front and back porch, updated 100 amp panel, and kitchen. Great rental location! Don’t miss out! $658.64 per/mth P&i / O.A.C.

SOLD

ONE R E H ANOT

HAmiLTON CTr $149,900 29 Holly Avenue WOW! Nothing to do but move in! 2 bedroom bungalow with clean and fresh décor and updated kitchen and bathrooms. Furnace, shingles, wiring, drywall and insulation all done in 08. Big private back yard and right across from a quiet park. $598.72 per/mth P&i / O.A.C.

$918.25 per/mth P&i / O.A.C.

sTONEy CrEEk mTN $385,000 21 Summerfield Avenue

HAmiLTON CTr $164,900 35 Stirton Street

sTONEy CrEEk $349,900 1364 Highway #8

HAmiLTON EAsT $359,900 90 Strawberry Drive

Great Stoney Creek mountain location! 3+1 bedrooms w/spacious rooms, master with ensuite and walk-in closet, updated hardwood flooring in living & dining room, and eatin kitchen with oak cabinets. Beautifully landscaped lot with 15 x 29 in-ground pool and large deck great for entertaining.

UPDATES GALORE! SHOWS 10++ with loads of room for a big family. New kitchen & bathrooms. Owner is downsizing, house is very clean. 3rd floor can be play area or family room or 2 more bedrooms. Private rear yard with a fabulous deck, and a big front porch. Appliances included.

CHARMING BUNGALOW TAKES YOU BY SURPRISE – this 2100 sq.ft. home sitting on park like setting country lot 85x187 ft. backing onto wooded green space, features gorgeous oak kitchen cabinets w/granite counters tops, beautiful hardwood floors, and close to all amenities.

RAVINE LOT! Beautiful all brick 4+2 bedrm w/3.5 baths features walk-up from basement with in-law potential, main flr ldry, main flr family rm w/fireplace, eat-in kitchen, separate dining room. New furnace/central air & carpet in basement. Great location, a walk to shopping & park.

$1537.75 per/mth P&i / O.A.C.

$658.64 per/mth P&i / O.A.C.

$1397.56 per/mth P&i / O.A.C.

$1497.41 per/mth P&i / O.A.C.

Call Today 905-575-7700

Page 10

The Golfi Team Real Estate Market Watch

November 15, 2012

Marketplace real Estate Lawyer

Tree Inspection - Disease Diagnosis Ornamental & Shade Tree Pruning Tree Surgery & Cabling Tree & Stump Removal Tree & Shrub Fertilization

Paul Lewis settimi

Skid Steer Services Available Attachments Available Backhoe Post Hole Auger Tree Spade

Jeff Green Certified Arborist

Barrister, Solicitor and Notary Public 8 Main Street East, Suite 303 Hamilton, Ontario L8N 1E8 Bus: 905-527-0808 Fax: 905-527-0774

20 Main Street West Grimsby, Ontario L3M 1R4 Bus: 289-235-7500 Fax: 905-527-0774

paul.settimi@cogeco.net

Bus: 905-957-5818 Cell: 905-516-0640

FREE IN HOME CONSULTATION

905-309-0909 Truly Beautiful • Blinds • Drapery • Shutters

TAKE THE STRESS OUT OF MOVING! David Ryback Regional Sales Manager

www.budgetblinds.com/Grimsby State Farm Providing Insurance and Financial Services ®

Canadian Head Offices: Aurora, Ontario

Craig Budd Ins Agcy Ltd Craig Budd, Agent 4289 Hixon Street Beamsville, ON L0R 1B7 Bus: 905-563-3453 Toll Free: 866-252-0035

P045151CN 4/04

Hamilton: 905-573-8776 Grimsby: 905-945-5540 www.harveymoving.com david@harveymoving.com

Margaret Whorwood Agent Lic. No. M11000188

Mortgage Planner fala português 651 Fennell Avenue East Hamilton, ON L8V 1T9 T 905.574.9200 x 218 C 905.523.9893 F 905.574.2920 E margaret.whorwood@mtgarc.ca www.mtgarc.ca/margaretwhorwood

Hardwood Floor Refinishing Jacqueline Paradisi The Quick, No-Sanding Solution for Beautiful Hardwood Floors

www.MrSandless.com

HOME STAGING

1-877-955-9663 • 905-304-3380 • hamilton@mrsandless.com

Brochures • Flyers • Booklets • Catalogues • Posters • Cards • Calendars

t: 905.573.2502

32 Keefer Court, Hamilton ON L8E 4V4 tf: 1.800.265.0134 e: info@aulwardgraphics.com

www.golfiteam.com

www.aulwardgraphics.com

December 2, 2012

The Golfi Team Real Estate Market Watch

Crossword Puzzle

Page 11

(Solution on Page 4)

Across

Down

1 7 8 10 11 13 15 17 18 21 22

1 2 3 4 5 6 9 12 14 16 19 20

Ethiopian capital (5,5) Levy on cars etc (4,3) Loose-fitting shirt or cloak (5) Destiny (4) Side playing at their own ground (4,4) Process of arrival (6) Seafood item (6) Envious emotion (8) Contract (a muscle) (4) Digger for gold or coal, say (5) Thick soft porous cake — attractive person (7) 23 Clumsy person — heavy shoe (10)

Separate(d) (5) Shorter signals in the Morse code (4) Church bell-ringer or grave-digger (6) Flatter (6,2) Barmy (7) Bottleneck on wheels (7,3) Intricacy (10) (Of gossip) in circulation (8) Face cloth (7) Hitchcock classic (6) Person shunned socially (5) Evidence of pregnancy — knock (into) (4)

Advertise Here For information on advertising in the market Watch, contact

Rose Magro

email: rosaliemagro@yahoo.ca cell: 905-745-0122

289-969-6532

RECEIVE A STAINLESS STEEL UNDER MOUNT SINK & A FREE UPGRADED EDGE! *Minimum of 40 square feet, no cash value, 1 gift certificate per household.

Must present this post card at time of ordering.

Contract must be signed before January 31, 2013, in order to redeem certificate.

Some restrictions may apply.

RICE !

P T S BE ANTEED GUAR

VISIT OUR SHOWROOM TO MEET WITH A MEMBER OF OUR FRIENDLY AND KNOWLEDGEABLE SALES TEAM

Call Today 905-945-0188

Executive Freehold Towns

e l l i v s m a e B Stylish 2-Storey 1,460 sq. ft. Towns with 9 ft. ceilings, nestled within a brand new community park!

Stadelbauer Dr.

King St.

Connor Dr. Sales Office

South Service Rd.

King St.

Mountain St.

South Service Rd.

QEW

Ontario St.

QEW

15 Units from

6 UNITS LEFT!

246,900

$

Cassandra Dr. Hillside Dr.

Sales Office Hours: Tues & Thurs 1-5pm, Sat & Sun 1-5pm Monday, Wednesday & Friday by appointment

www.GolfiTeam.com | 905-945-0188