Jan. 1, 2010 Issue 7

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January 2010 - Vol 13

P R E S E N T E D

B Y

T H E

G O L F I

T E A M

D L O S R E H T O N A ONE 16 Swayze Crt, smithville Wow!! We really made the right decision listing our home with the Golfi Team. We have been anxious to move to our new home and making the switch to list with you was a very smart choice! Our home is sold, you guys are the best!

Tammy & Michael

just listed

CODE # M318

318 MacIntosh Drive STONEY CREEK

$239,9000

Amazing Space

in this 2000 sq ft freehold end unit. Living room with corner gas fireplace and access to 3 season sunroom. Master suite with its own fireplace, walk-in closet and 3pc ensuite. Formal dining area and dinette off kitchen.

Rob Golfi Sales Representative

Visit www.RobGolfi.com for more details.

Sharon Stafford Sales Representative

Heather Reid Sales Representative

Hans Marcelissen Sales Representative

Wendy Murray-Nicholson* Sales Representative

Karen Hine Media/Marketing Client Relations Rep

Sarah Dallicardillo Administrative Assistant

Sell Your Home with the GOLFI TEAM The GOLFI TEAM is ranked in the Top 100 Re/Max Teams in Canada RE/MAX has over 18,000 Sales Representatives in Canada

Rosemary Fournier Administrative Assistant

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Page 2

The GOLFI TEAM Real Estate Market Watch

About Rob Golfi

S

ince the inception of his career in 1997, Golfi has Rob 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, the Lifetime Achievement Award in 2006 and the SRES® designation in 2009.

Having worked with many of the industry’s professionals

by: Rob Golfi

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, marketing extensive 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

SUDOKU 3 6 1

9

2 5

6 9

3

1

4

4 7

January 2010

7

6

6 4

9

Bump Up Your Credit Score

C

redit score in not just a number obtained through the statistical analysis of your credit report. It is an efficient, reliable, unprejudiced and reasonable underwriting tool that helps the mortgage lender to evaluate your credit worthiness. In other words, it helps them to ascertain the amount of loan that you will be able to pay back in a timely manner. Thus, by improving your score, you can boost up your chances of getting a mortgage home loan at a better rate of interest. Here are a few realistic ways of improving your score.

• Pay your bills before the due date – The payment history in your credit report shouldn’t bear any negative marks because these black points remain on the report for no less than 7 years. For an excellent payment history, pay all your bills before the last date. If you don’t pay the bill for more than 30 days, a negative mark will automatically come up on the report.

• Don’t sit upon your debt load – If you are already bearing a huge debt load on your shoulders, then it is important for you to reduce it without delay. By adding to the load, your debt will simply become unmanageable, and in the long run, it would adversely affect your credit score.

• Maintain your old accounts – The chief benefit of a long credit history is that it increases your credit utilization ratio. Hence, it is essential to maintain your old accounts. At times, it is unusually difficult to manage numerous accounts simultaneously. However, if you are able to do this, your credit score would swell up exorbitantly.

• Avoid using more than 20% of the available credit – By utilizing only 20% of your credit limit, you can increase your score dramatically.

The best way to make this possible is to wind up the debt backload before taking up a new loan. All your efforts to stick to the 20% limit will leave a positive effect on your credit report.

• Keep your credit report spick and span – Inconsistencies and errors on the credit report serve to ruin your credibility as well as your score. Hence, they should not only be detected at the earliest, but should also be rooted out. If you are unable to track down the errors, then you can engage a credit report management company to get the discrepancies removed as quickly as possible.

• Be vigilant while opening new accounts – In a bid to allure customers like you, credit card companies provide countless irresistible offers and discounts.

Instead of grabbing each one of them, do a bit of research to find out the best available option. This is important because each credit enquiry would serve to knock down your score.

Experian, Equifax are two major credit bureaus in the Canada. that have the reputation of calculating the credit score accurately. The first thing that you should do is to get your score calculated. Thereafter, follow the above mentioned tips ardently to improve it. In a short period of time, the positive results will start appearing on your credit report. -

9 6 3 1

2 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.

“You did a great job describing my house in the Real Estate Ads. It sounds so appealing, I’ve decided to keep it!”

www.golfiteam.com

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January 2010

The GOLFI TEAM Real Estate Market Watch

Page 3

Grimsby & Lincoln Rob Golfi* 3.2 acres

just listed

CODE # E61

just listed

CODE # RM2856

CODE # R19

CODE # K3619

GRIMSBY $374,900 Upscale Living!

JORDAN STATION $210,000 3 Bdrm with In-Law Potential

GRIMSBY $689,900 4 Bedroom Custom Built

VINELAND $328,900 4 Bedroom 2-Storey

Large corner lot in upscale neigh-bourhood.

Open concept custom kitchen with expresso cabinetry, walk-in pantry & island breakfast bar and Great room with gas fireplace. Upper level family room, 3 bedrooms & laundry.

Close to schools & shopping!

Super semi in a quiet location Split entry and access to yard from basement is ideal set up for possible in law situation. Eatin kitchen, 3 bedrooms and spacious 4pc bath with skylight. Newer furnace, Central Air and roof.

A love-at-first-sight experience as you enter into this gorgeous 4 bedroom, custom-built beauty, located on 3.2 acres of private landscape. This one-of-a kind home boasts a bright and spacious layout with ample room for storage and a mature or growing family.

Scenic Wine Route location! Stately centre hall plan. 4 bedrooms, 2 fireplaces, formal living room and separate dining room. Updated oak kitchen has built-in appliances. Finished basement has walk-up to back yard.

CODE # ig4550

CODE # D29

BEAMSVILLE $334,900 Fabulous 3 Bedroom

GRIMSBY $314,900 5 Level Side Split

Great layout for this 2000 sq ft 3+1 bedroom beauty! Formal living room, separate dining room, sunken family room and huge eat-in kitchen. Updated C/A, shingles, new carpets and some new doors and windows – Great family neighbourhood!

5 levels of living space! 3+1 bedroom home.

Gleaming Brazilian Cherry and Maple hardwood floors. Custom Touch blinds over ample windows. Master has huge 4pc ensuite with whirlpool tub and walk-in closet. Family room with fireplace.

GRIMSBY

$289,900 Nearby School

1300 sq ft bungalow with 3 bedrooms and room for another in the professionally finished basement. Open concept eat-in kitchen with vaulted ceiling and peninsula breakfast bar.

Beautifully maintained and move in condition.

Walk to schools, parks and lake.

Waterfront

GRIMSBY

$369,900 Open Concept

Fabulous open concept 4 bedroom, better than new with plenty of upgrades! Cherry kitchen has floating island and slider to fenced yard.

Impressive foyer and open staircase has upgraded railings. Master with ensuite and walk-in closet.

CODE # JVl

BEAMSVILLE Farmland

$149,900

Almost 5 acres in the heart of Wine Country.

Formally farmed as a vineyard, great soil for many varieties. Great Value!

GRIMSBY $1,499,900 Fabulous Lakefront

GRIMSBY

$649,900

Fabulous waterfront property! Custom built 3000 sq ft home with Lake views every room. Maple hardwood floors, granite counters, master suite with access to back deck, ensuite and walk-in shower. Handicap adaptable!

CODE # K5

GRIMSBY

$214,900

Lakefront!!

Quiet Location

3+1 bedroom in Bal Harbour with gleaming hardwood floors and new broadloom. Great room has wall-to-wall windows and spectacular lake views. Several walkouts to backyard paradise with heated inground pool surrounded by amazing perennial gardens.

Loads of potential and priced to move! New roof 09, refaced kitchen, windows 06. Spacious living room, separate dining room. Fenced yard, large 12 x 24 deck and parking for 6 cars!.

Waterfront

CODE # B227

GRIMSBY

Sought after location, 3 bedroom, 2 storey home with partially finished basement. Spacious master bedroom with beautiful ensuite bath.

Very private and fully fenced yard. Walk to schools and town.

CODE # C33

48 acres

CODE # l143

BEAMSVILLE $269,900 Beamsville Beauty

Waterfront

5 acres

CODE # l70

CODE # E48

SOLD R HE T O N A ONE CODE # A4925

$749,000 Country Living

Custom Colonial on 48 acres! 3 bedrooms with full finished attic. Master has 5pc ensuite with euro shower and spa tub plus cedar lined closet.

3/4" oak plank floors, solid birch kitchen with granite counters and cozy fireplace.

CODE # M10

CODE # l71

$307,900 Desirable Area

GRIMSBY $1,499,900 2 Acre Lakefront

Classic 2 Storey in desirable area at the base of the Niagara escarpment. Features beautifully refinished hardwood floors, spacious living room and dining room, and showcase fireplace in family room. Professionally finished basement with rec-room.

Huge waterfront lot! 3+1 bedroom home with additional self contained in law suite. Open concept great room with cathedral ceilings, gleaming hardwood floors and floor to ceiling-wall to wall windows!

GRIMSBY

42.22 acres

15 acres

CODE # T398

CODE # B543

GRIMSBY $649,900 3 Bedroom Bungalow

ST. CATHARINES $212,900 3 Bedroom Bungalow

FONTHILL $199,900 Mature Neighbourhood

PELHAM $524,900 Tremendous Views

Bungalow with 2 wood burning fireplaces, hardwoods in all 3 bedrooms and living room.

Updates include: windows, alarm system, roof, shingles, furnace and water softener. Second kitchen in basement with cold storage.

Great north end location with in-law suite.

Freshly painted, new countertops, sink and faucet plus some new flooring and original hardwood flrs. Loads of updates. Time to move and enjoy! 1100 Sq. ft. Fully Fenced yard.

Solid 3 bedroom in lovely mature neighbourhood. Plaster construction, beautiful hardwood floors, living room with fireplace and finished rec room. Updated siding, fenced yard and large 75 x 125 lot. Extra deep garage.

15 acres! Peaceful location with spacious principle rooms and convenient layout. New windows, formal living room and separate dining room. Kitchen overlooks family room with fireplace and walkout to patio.

CODE # S8

Call Today 905-945-0188

CODE # B1720

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The GOLFI TEAM Real Estate Market Watch

Fixed Rate, Variable Rate or Both: How to choose the right type of mortgage rate for you. by: Sue Ippolito RBC Mortgage Specialist

W

hether you are acquiring, renewing or refinancing your mortgage, one of the biggest decisions you face as a homeowner is choosing between a fixed or variable mortgage.

A few years ago, it was clear that going with a variable rate mortgage could result in savings. Now, discounts on fixed rate mortgages and the narrowing spread between short-term and long-term interest rates have made the choice less obvious.

Choosing between a fixed or variable rate mortgage is no longer a simple decision. Which is why many people are looking for advice to help them decide which type of mortgage will work best, based on their personal circumstances.

You can choose to go with a stable, less flexible fixed rate mortgage. Or, you may feel more comfortable with the risks and potential rewards of a variable rate mortgage. For the “best of both world”, you might decide on a mortgage that combines both. It really depends on your tolerance for risk, as well as your current goals and life stage you are in.

Here is some information about each option to help you make the right choice.

Variable rate observations: The primary concern clients have with variable rate mortgages is the risk of interest rate fluctuation. History shows that with the exception of a brief period in the early 80’s and early 90’s, interest rates remained generally stable. And a prime (variable) rate mortgage was almost always lower during that time period than a 5- year fixed rate mortgage.

In January of 2001, both the prime rate(variable) and the 5-year fixed rate were the same, at 7.5%. By locking in at

that time, those with a fixed rate mortgage would have missed out on the interest rate savings when the prime rate dropped over the next five years.

Fixed rate observations For a brief period of volatility between 1980 and 1984, the 5-year rae stayed between 5% and 7% between 1951and 2005. These raes continue to be low today. The chart shows how a fixed rate mortgage can have both a positive and negative impact over the long term. When rates moved up., those with rate were protected against fluctuations. When rates moved down however, they did not receive the benefit of lower interest. With a fixed rate mortgage, amortization remains constant despite rat fluctuations.

Choosing both fixed and variable rate Historically, variable rates tend to be lower than 5-year fixed rates. For those who are unsure about their level of risk tolerance for rate fluctuations, choosing “both” allows for the opportunity to take advantage of the lower interest rate of a variable rate mortgage together with the security of a fixed rate mortgage.

COMPARE PAYMENTS – BASED ON $100,000.00 MORTGAGE • 5 YEAR FIXED RATE @ 4.09% = 530.92 • 5 YEAR VARIABLE RATE @ 2.25% = 436.14 Assuming that variable rate remained the same(2.25%) after 5 years based you would have paid 15,774.33 in principle and 10,394.07 in interest.

Principle owing after 5 years would be 84,225.67.

Fixed rate 5 year mortgage at 4.09%(estimate) you would have paid 12,810.75 in principle and 19,044.45 in interest. Principle owing after 5 years 87,189.25.

January 2010

Many Canadian economic experts believe that a mortgage rate that varies with fluctuations in the bank prime rate will offer the greatest advantage when it comes to long-term savings on interest costs.

The reality is, no one can be certain what the future holds. Rather than trying to guess where rates are headed, it’s best to consider your own situation. The life stage you are in, your current goals, your objectives and tolerance to risk all come into play.

The important thing to remember is you are not alone in making a decision.

RBC mobile mortgage specialists are trained to work with you to make the right decision based on your needs and your lifestyle.

For more information on mortgage rate trends, strategies to help, whether your considering purchasing, refinancing, switching to RBC please give me a call.

Ask me about our switch in OFFER. SUE IPPOLITO RBC MORTGAGE SPECIALIST TEL: 905 648-8567 Email: sue.ippolito@rbc.com -

AMORTIZATION CHART Monthly payment per $1,000 Length of Mortgage (Amortization Period) Example $150,000 at 20yr at 3.0%: 150 x 5.54 = $831.00 /month Interest Rate (%) 5 yr

10 yr

15 yr

20 yr

25 yr

30 yr

35 yr

3.00

17.96

9.65

6.90

5.54

4.73

4.21

3.84

3.50

18.18

9.88

7.14

5.79

4.99

4.48

4.12

4.00

18.40

10.11

7.38

6.04

5.26

4.76

4.41

4.50

18.62

10.34

7.63

6.30

5.53

5.04

4.71

5.00

18.85

10.58

7.88

6.57

5.82

5.34

5.01

5.50

19.07

10.82

8.14

6.84

6.10

5.64

5.33

6.00

19.30

11.07

8.40

7.12

6.40

5.95

5.65

6.50

19.53

11.31

8.66

7.41

6.70

6.26

5.98

7.00

19.75

11.56

8.93

7.69

7.00

6.59

6.32

7.50

19.98

11.81

9.21

7.99

7.32

6.91

6.66

8.00

20.21

12.06

9.48

8.28

7.63

7.25

7.01

8.50

20.45

12.32

9.76

8.59

7.95

7.59

7.36

9.00

20.68

12.58

10.05

8.89

8.28

7.93

7.72

9.50

20.91

12.84

10.33

9.20

8.61

8.28

8.08

10.00

21.15

13.10

10.62

9.52

8.94

8.63

8.44

10.50

21.38

13.37

10.92

9.83

9.28

8.98

8.81

11.00

21.62

13.64

11.21

10.16

9.63

9.34

9.18

11.50

21.86

13.91

11.51

10.48

9.97

9.70

9.55

12.00

22.10

14.18

11.82

10.81

10.32

10.06

9.93

Builder’s special – Townhomes sTarTing from The mid $190’s MenusOnly.com is an online restaurant menu guide connecting you with great restaurants in the Hamilton and Burlington areas. Browse through restaurant menus, view pictures of restaurant dining areas, patios, and menu items, and print local restaurant coupons all in one place.

MenusOnly.com – a perfect dining experience starts here.

-Å

Located at the base of Beamsville's escarpment within the heart of Niagara's wine region.

This community offers affordable living in an exclusive new neighourhood by the "Greenbelt".

Nestled in Beamsville's Vineyards of Grandview PRE-REGISTER AND QUALIFY FOR $10,000 IN FREE UPGRADES

Executive Towns: 1300 up to 1621 sq.ft • Single Bungalows: 1400 sq.ft • 2 Storey Singles: 2165 sq.ft and up

Call Rob Golfi

905-945-0188 or 905-575-7700 www.RobGolfi.com

at

Maximum Exposure Sells Your Home Call the Golfi Team to get your Home Sold 905-575-7700 or 905-945-0188 www.golfiteam.com The GOLFI TEAM is ranked in the Top 100 Re/Max Teams in Canada.

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January 2010

The GOLFI TEAM Real Estate Market Watch

Page 5

History Chart Average Selling Price for Detached Homes YEAR

LOWER UPPER STONEY CREEK STONEY CREEK

EAST HAMILTON

WEST HAMILTON

CENTRAL HAMILTON

HAMILTON MOUNTAIN

ANCASTER

DUNDAS

GRIMSBY

SMITHVILLE

LINCOLN

BURLINGTON

1985

$80,942

$79,137

$56,479

$66,183

$42,253

$73,520

$125,745

$91,210

$82,450

$65,870

N/A

$107,325

1990

$194,027

$184,470

$129,776

$168,413

$116,253

$161,153

$266,681

$209,070

$190,117

$146,557

$155,381

$217,824

1995

$157,811

$160,651

$106,711

$141,665

$82,527

$134,705

$211,505

$165,318

$149,230

$124,002

$132,368

$202,473

2000

$184,130

$177,745

$119,461

$151,572

$89,828

$152,677

$252,164

$194,402

$191,177

$164,699

$164,839

$254,074

2005

$263,252

$263,245

$159,859

$228,813

$123,084

$214,749

$372,585

$288,193

$289,975

$220,649

$240,143

$371,100

2006

$279,816

$279,951

$166,363

$238,338

$130,693

$222,765

$385,046

$317,238

$305,964

$233,243

$268,673

$394,798

2007

$289,651

$284,280

$180,614

$257,108

$137,370

$236,621

$427,272

$331,272

$306,477

$253,259

$275,085

$428,599

2008

$310,131

$293,571

$186,031

$267,973

$148,432

$243,239

$431,561

$329,752

$321,451

$246,381

$301,542

$449,261

2009 (YTD)

$298,521

$299,641

$178,956

$279,104

$144,513

$245,988

$439,293

$344,179

$326,034

$256,862

$289,085

$452,434

Stoney Creek & Winona Rob Golfi* Waterfront

just listed

just listed

Waterfront

CODE # M318

CODE # RR35

CODE # E85-9

CODE # M484

STONEY CREEK $239,900 Amazing End Unit!

STONEY CREEK $389,900 4+1 Bedroom

STONEY CREEK $469,900 Waterfront Condo on Marina

STONEY CREEK $429,900 Lakefront Condo End Unit

Amazing space in this 2000 sq ft freehold end unit. Living room with corner gas fireplace and access to 3 season sunroom. Master suite with its own fireplace, walk-in closet and 3pc ensuite.

Formal dining area and dinette off kitchen.

Bright and immaculate. Fresh paint, crown moulding, porcelain tile and Kulm Hardwood. Eat-in kitchen, separate living and dining room. Main floor den and laundry. New shingles (08) and underground sprinkler system.

2 Bedroom fully finished unit with hardwood, ceramic, marble and new berber carpet. Maple cabinetry in kitchen, large master plus luxury 4pc ensuite. Professionally finished basement and so much more!

Luxury end unit condo with maple wash cabinetry, granite counters, tumbled marble backsplash, stainless appliances.

Maple floors, 9 ft. ceilings, 2 ensuites, private patio overlooking lake. 660 ft. of privacy on the water.

Waterfront

SOLD R HE T O N A ONE

1450 sq ft freehold end unit. 3 bedrooms, awesome custom kitchen with granite counter and breakfast bar, dinette with bay window and garden door to yard.

Gleaming Maple floors throughout and oak staircase.

CODE # F7

CODE # D7

CODE # P27

STONEY CREEK $235,900 Freehold End Unit

SOLD R HE T O N A ONE

UPPER STONEY CREEK $579,900 W O W ! Factor

STONEY CREEK $294,900 Backs onto Turtle Sanctuary

Incredible open concept! 3+1 bedroom with upgrades beyond the ordinary! Custom kitchen, fully finished basement, beautifully landscaped, decorated like a magazine centre spread!! All the bells and whistles here, put it on your must see list!

Rare opportunity! Live in or rebuild on this huge lot. Updated plumbing, electrical, roof and more. Backing onto Turtle Pond with view of lake. Shares in neighbourhood lakefront park.

Designated environmentally sensitive area.

eXclusive listing

Waterfront

SOLD R HE T O N A ONE

CODE # SB70

STONEY CREEK $599,900 Lakefront Oasis!

Waterfront w/riparian rights and private dock. A resort in your own backyard ‘Casa Seabreeze’!! Hardwood floors, sunken family room with picture window and view of TO Skyline. Luxury Master suite w/decadent ensuite and private balcony overlooking the Lake.

SOLD R HE T O N A ONE

CODE # g580

CODE # W62

CODE # g216

HAMILTON $289,900 Walk to Waterfront!

STONEY CREEK $699,900 Exclusive Waterfront

STONEY CREEK $199,900 Affordable! Adorable!

Spotless 4 bedroom! Walk to waterfront trail and confederation park! Bright and spacious with family sized kitchen! Huge yard fenced accessible from kitchen and basement. Updates include new shingles (09), furnace & C/Air (06).

Waterfront! Rare find on private lane close to Fifty Point Conservation area.

101ft of waterfront, park like setting and solid 3 bedroom bungalow. Substantial breakwall, well treed mature lot, amazing sunrises and sunsets included!

Beautifully maintained 3 bedrm home ready to move in. Features main floor laundry and main flr family room, all vinyl windows, new c/air, updated kitchen with ceramics, beautiful refinished hardwood floors, all updated copper wiring, new shingles in 2003.

Call 905-575-7700 / 905-945-0188

CODE # KE169

STONEY CREEK $273,900 3+2 Bedroom Walk to the dairy!! Totally renovated top to bottom, this 3+2 bedroom raised ranch is set to sell! Gleaming hardwoods, Lower level perfect set up for in-law with separate entrance and kitchen. Huge lot – don’t hesitate!

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The GOLFI TEAM Real Estate Market Watch

The

January 2010

GOLFI TEAM

Choose Experience the Difference o MORE market share o MORE experience o MORE advertising o MORE leads o MORE exposure o MORE money for clients o MORE brand name awareness o MORE repeat customers o MORE referrals o MORE interaction o MORE support from experienced agents o MORE technology

Home Evaluation No Cost or Obligation

Call Rob Golfi Today!

905-575-7700 / 905-945-0188 not intended to solicit proper ties cur rently listed for sale.

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January 2010

The GOLFI TEAM Real Estate Market Watch

Page 7

Hamilton Wentworth Rob Golfi* just listed

just listed

SOLD R HE T O N A ONE

just listed

just listed

CODE # B748

CODE # SF94

CODE # E212

CODE # W136

HAMILTON BEACH $119,900 Opportunity Knocks

HAMILTON MOUNTAIN $359,900 Great New Home

WEST HAMILTON $289,900 3+1 Bedroom

EAST HAMILTON $125,000 Cozy Starter Home

Amazing location by the Hamilton Recreational waterfront trail! Renovate to make it spectacular or tear down and build your own. Make an offer - vendor is motivated!

“The Harvard” beautiful new home, open concept design with huge great room and spacious kitchen. Features 2nd floor loft area convertible to 4th bedrm, 9' main floor ceilings, 2.5 baths. Great pie shape court lot 50' wide at back. Maple hardwood in great rm. Maple kitchen ceramic flooring.

Fantastic 3+1 BR and room for more!

Ideal student rental or get inside and get creative! Award winning landscaping, wonderful use of property for outdoor enjoyment. Tons of storage space, builtins, very open and spacious interior.

Cozy starter or retirement home with almost everything done inside including newly drywalled and reinsulated, updated kitchen and bath, recent roof, wiring, windows, basement is high and dry, insulated and drywalled.

CODE # B113

CODE # D132

CODE # g271

CODE # C123

EAST HAMILTON $156,000 Super Starter Home

WEST HAMILTON $259,900 Near MacMaster

EAST HAMILTON $159,900 Front Porch Charm!

EAST HAMILTON $189,900 Terrific Location

Lots original charm and practical updates. Eat-in kitchen has been updated and boasts ample cabinetry and bright eating area. Upper level with master with slider to balcony. Private fenced yard.

Appliances included!

Ideal location for Student Rental, walk to Mac and amenities. 5 bedrooms, 2 baths, appliances included. Easy to maintain size lot, single drive and garage. Great investment opportunity!

Updated 2 BR. Renovated kitchen with new cabinetry and granite countertop.

Sunroom with door to terrific deck with gazebo. Fenced yard has huge shed with loft and set up for city gardening.

Clean and spacious one floor brick home.

Gleaming hardwoods, updated bath, shingles and weeping tiles. Eat-in kitchen, newer windows and fenced private yard with patio. Terrific location close to bus routes and amenities.

SOLD R HE ANOT E ON

SOLD R HE ANOT E ON CODE # SC21

CODE # E194

CODE # M350

CODE # W698

HAMILTON CENTRAL $163,900 Attention Investors

HAMILTON CENTRAL $149,900 Great Location!

HAMILTON MOUNTAIN $224,999 Priced to Go!

HAMILTON CENTRAL $319,900 6 Bedrooms & More

Great Location! Near all amenities! 3 bedroom home with garage. Updated furnace (08), shingles (04), most windows, 100 amp service on breakers, copper plumbing, concrete walkway (08), ceramic and laminate flooring. Basement in drywall stage with bathroom and kitchen rough-in.

Affordable 3 bedroom priced to go! Eatin kitchen, spacious living room, hardwood floors. Fenced yard and plenty of parking. Close to schools, shopping and the Linc. Great starter home or investment property.

Newly built 2 storey home. 6 bedrooms and 2 more roughed in downstairs including a roughed in bath. Ideal for large family to move in together for ecomonic reasons. Plenty of parking front and rear. Don’t miss out!

Legal non-conforming duplex or large family home. Terrific for in-law set-up!

Main floor with original trim, hardwood floors and fireplace. Updated plumbing, electrical and furnace. Fenced yard and parking for 2 cars. Check out the neighbourhood and see the potential here!

SOLD R HE T O N A ONE

SOLD R HE T O N A ONE

SOLD R HE T O N A ONE

SOLD R HE T O N A ONE CODE # D7

CODE # B225

CODE # A42

CODE # H199

HAMILTON CENTRAL $152,900 Larger than life!

WEST MOUNTAIN $239,900 Won't Last!

WEST HAMILTON $339,900 Custom Built Beauty

UPPER STONEY CREEK $579,900 W O W ! Factor

Fabulous kitchen with walk-in pantry and ceramic floors. Huge living room with hardwood floors. 3 bedrooms, main bath with whirlpool tub. Many updates and basement with high ceiling. Near Gage Park and Ivor Wynn Stadium!

Wonderful 3 bedroom in great neighbourhood – won’t last! Newer windows, beautiful hardwood floors, spacious living room, eat-in kitchen with large dining area. Fully finished basement, fenced yard.

Custom built 2000 sq ft 3BR! Quality materials throughout.

Gleaming hardwood, cobblestone tiles, granite countertops. Patterned concrete in basement and garage. Huge Master suite with walk-in. Walk to Hess, Locke and downtown.

Incredible open concept! 3+1 bedroom with upgrades beyond the ordinary! Custom kitchen, fully finished basement, beautifully landscaped, decorated like a magazine centre spread!! All the bells and whistles here, put it on your must see list!

Call Today 905-575-7700

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Page 8

The GOLFI TEAM Real Estate Market Watch

How to Waterproof your Basement by: Joe Keca Home Improvement Group

M

ost homes are sitting on a treasure trove of useful space: the basement. However, many basements in older homes are damp or leaky, and make unsuitable choices for a new rec room or bedroom. Before you can start any basement remodeling project, you have to keep the water out.

• Evaluate the perimeter of your house. You should ensure that the ground next to your foundation slopes away from the foundation, not towards it. Backfilled dirt around the foundation will typically settle lower than the surrounding dirt causing the ground to sink in and slope towards your house. If necessary, add dirt up against the foundation to create at least a 2" per foot (that is, a drop of 2" for each foot you move away) slope against the foundation.Make sure that the top of the dirt is at least six inches below the sill plate so that there is no ground contact which may cause certain building materials to rot in the future.

• Check your gutters and downspouts.

Your roof collects a large amount of rainwater and channels it right to the edge of the roof. If this rainwater is deposited on the ground right next to your foundation, you'll have problems.

Make sure your gutters are clean, and make sure your downspouts are discharging their water at least 5 feet away from your foundation.

• Watch out for shrubs and other plants that are too close to your foundation.

Rotted roots can create a path for surface water to flow down to your foundation. You should keep plantings at least 12" away from the foundation, and on a slight slope to direct water away from your foundation.

• Try to waterproof your walls with a product such as Drylok or Xypex if you have minor, intermittent leaks. Drylok is a waterproofer not a water sealer. It expands as

it dries to become part of the wall. Xypex is more like applying a waterproof concrete on the surface that will bond with it. Because Xypex relies on the presence of moisture to form its water proof structure. If a Xypex application does have small areas of water leakage they will seal themselves as they cycle through moisture. Xypex is also 2-4 times as expensive as Drylok.

• Repair defects in poured concrete walls such as cracks and the places where pipes and form tie rods go all the way through the concrete. If you see a crack in a concrete wall it goes all the way thru the wall to the outside and is a potential source of water. For cracks that will not experience any thermal or structural movement, DRYLOK Fast Plug is very effective in sealing cracks in the masonry. Do it yourself kits of epoxy and polyurethane systems are available, but are less reliable.

January 2010

and draws the water out of the sump, discharging it outside the house, 10 or more feet from the foundation. Installing a sump requires a moderate degree of skill and experience, since you will be jackhammering or otherwise creating a hole in the concrete floor of your basement, excavating a hole, placing a liner in the hole, wiring the sump pump itself, and plumbing an outlet from the pump to the outdoors.

• Try a French drain (or perimeter drain) for serious water issues. A French drain consists of a continuous system of piping, running beneath the floor of the basement and along the entire perimeter of the basement.

Installing a French drain is similar to installing a sump, but requires cutting and removing an approximately 12" wide strip of basement floor along the entire perimeter of the basement, digging a 12" deep trench, filling it with coarse gravel surrounding the drain pipe, then re-pouring a concrete floor to cover it all up • Waterproof From the Outside. Have an installer inject Hydroclay around the outside of your foundation. Hydroclay is a waterproofing version of Benonite Clay, known for it's ability to absorb large amounts of water.

Usually pumped from the outside, the clay fills in voids and follows the pathways water uses to get inside your foundation permanently sealing the basement. This is the same product used to waterproof tunnels, manholes, dumps, backyard ponds, elevator pits, etc..

• The construction of a new house is the time to properly seal the house for life. The old standby of plastic wrap and Styrofoam sheeting to protect does work. But it is almost always destroyed during the back-filling of the foundation, causing it to leak. This way of sealing NO LONGER meets building codes in most cities. The makers of DRYLOK suggest coating the exterior of the foundation with DRYLOK Masonry Waterproofer. Remember the waterproofer is only as good and as sound as the surface. Protect the surface with a wrap before backfilling to protect from rocks and equipment.

• Regardless of what type of water protection you try to use, FOLLOW THE DIRECTIONS. Common misapplications of Xypex come from not following the directions, or more specifically, contractors being too cheap to do the job correctly. Xypex is at least a two stage system, with the second applications using a thinner, cheaper coating of different composition.

• Many contractors are trying to offset the cost of Xypex VS Drylok by only applying the FINISHING coats.

• When installing a sump pump, be sure to refer to local plumbing codes. Most installations will require a one-way valve to prevent water from coming into the sump through the outlet.

• Before beginning a serious basement remodeling project, observe your basement carefully during heavy rainstorms. If you can last a year of weather without any water leaks, you're probably going to be OK in the future (so long as you keep those gutters clean and take care of your foundation!).

• Battery backup sump pumps are available. These are great for sumps that have a steady flow of water into them since you'll know you have a backup if/when the power goes out or the main pump breaks.

Tips

• Note that salt & lime deposits form on concrete blocks as water leaks through them (white staining). This MUST be completely removed before any blocker is used. This is the most common reason why the sealing fails. This is generally done by dousing the wall with muriatic acid and scrubbing. Follow this by rinsing the area very liberally with a water hose, then vacuum it off the floor. This will normally take several applications. You will see the muriatic acid react with the deposits on the wall.

Installed sump • Consider installing a sump. This is essentially a hole in your basement floor which contains a pump. When the water level in the sump rises too high, a pump kicks on

Joe Keca is a specialist in complete building and interior renovations with the Home Improvement Group. He can be reached -Å at 905-309-5555.

Land Transfer Tax Calculation For Residential Transaction in Ontario Examples (Price-Tax)

Rob Golfi, SRES

®

Rob is a Seniors Real Estate Specialist (SRES®) according to the Seniors Real Estate Specialist Council of the NATIONAL ASSOCIATION OF REALTORS®.

Of the 56,000 Real Estate Agents in Ontario, there are only about 100 with the SRES® designation and all were required to successfully complete a comprehensive course in understanding the needs, considerations, and goals of the real estate buyers and sellers aged 50 and older. Rob specializes in helping seniors that are looking for a lifestyle change, whether it be downsizing to a condominium, a smaller house, an apartment or even assisted living.

Rob’s consultation process covers everything from selling your home, finding a new home, disposing of furniture, staging and cleaning as well as assisting in the move. Rob’s goal is to handle everything and ensure that the transition goes as smooth and pleasant as possible for everyone.

Contact Rob today at 905-575-7700.

-Å

$55,000 - $275 $65,000 - $375 $75,000 - $475 $85,000 - $575 $95,000 - $675 $100,000-$725 $110,000-$825 $120,000-$925 $130,000-$1025 $140,000 - $1125 $150,000 - $1225 $160,000 - $1325 $170,000 - $1425 $180,000 - $1525 $190,000 - $1625 $200,000 - $1725 $210,000 - $1825 $220,000 - $1925 $230,000 - $2025 $240,000 - $2125 $250,000 - $2225 $260,000 - $2375 $270,000 - $2525 $280,000 - $2675

$290,000 - $2825 $300,000 - $2975 $325,000 - $3350 $350,000 - $3725 $400,000 - $4475 $425,000 - $4975 $450,000 - $5475 $500,000 - $6475 $525,000 - $6975 $550,000 - $7475 $600,000 - $8475 $650,000 - $9475 $700,000 - $10,475 $725,000 - $10,975 $750,000 - $11,475 $800,000 - $12,475 $825,000 - $12,975 $850,000 - $13,475 $900,000 - $14,475 $925,000 - $14,975 $950,000 - $15,475 $975,000 - $15,975 $1,000,000 - $16,475

The information contained on this page is for estimation purposes only and applies to the sale of Ontario Residential properties only. Your actual Ontario Land Transfer Tax should be independently calculated and verified. The real estate board nor any of its advertisers shall ave any liability for the accuracy of the information contained on this page.

www.golfiteam.com

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January 2010

The GOLFI TEAM Real Estate Market Watch

Legal Lessons: Volume III

MarketWa tch-Dog MarketWatch-Dog Each issue, The Golfi Team will showcase a ‘marketwatch-dog’; a family companion from one of our current listings.

Meet...‘Dolly’

This issue's MarketWatch-Dog is in fact not from one of our new listings as our most recent vendors seemed to be cat people. Dolly was introduced to our marketwatch-dog reporter during a photo-shoot at a farm.

This beautiful girl is a Great Pyrenees, a breed known for its natural instinct to protect and Dolly takes her job very seriously. She was adopted by her family to guard the livestock at the family farm and she has been doing an excellent job, keeping watch over the population of goats – 130 and ever growing, as well as roosters & hens, a donkey plus a very fun and enterprising family of four. Watching Dolly herd her wards is truly majestic, her gentle yet commanding presence keeps her flock safe & secure from coyotes and other predators, a common threat in rural areas.

Her owners are thrilled with Dolly at their farm and say she is amazing with the goats and demonstrates genuine trust & affection to the family as well, just a real sweetie. Her kind & gentle expression won them over when they adopted her a year ago – love at first sight – and her work ethics have proven to be superb, however, a short while ago Dolly did take a night off from her post and ‘took her love to town’, her owners tell us she will soon have her own family of puppies to protect as well.

Dolly keeps a close watch over the herd. Her hard work plus the fact she is so darn photogenic, we feel she is truly worthy of being showcased as the Marketwatch-dog.

look for our next MarketWatch-dog in the next issue of Market Watch!

The golfi team supports SPCA’s of Ontario.

Page 9

by: Jim Cimba Barrister and Solicitor

C

ome April 15, 2010 I will enter my 30th year of practicing law. One of the many things I have learned is that the law, sometimes, is just too serious; thus, this month I submit to you — a few laughable legal lessons: (1) Have you seen the recent new bulletin?

“Bus load of lawyers abducted”. Message from kidnappers . . . “unless you meet our demands, we will release one hostage a day”!

(2) And the Good Lord said: “Let there be Satan, so people do not blame everything

on me”. And the Lord continued: “And let there be lawyers, so people do not blame everything on Satan”.

— George Burns Best wishes for a Happy, Healthy and Prosperous 2010.

I invite you to contact me personally at: Cimba & Associates Barristers and Solicitors 25 Main Street West, Suite 1615, Hamilton, Ontario L8P 1H1 Phone: 905-522-1382 ext. 223 jcimba@on.aibn.com

Outdoor Activities this Winter

I

n addition to the traditional holiday activities, families may be looking for some fun physical activities that the entire family can participate in. The leisure team at Canadian Tire has put together the following suggestions to help keep the whole family entertained during this holiday season.

• Bundle the kids up with mitts and scarves and head to the closest hill to enjoy an afternoon of sledding. Sledding is a perfect outdoor activity for all ages that is both fun and physical.

• Canadian Tire has a variety of winter fun equipment, including snow tubes and snow racers.

Younger kids will enjoy snow tubes, while older kids may want to try the snow scooter, great for the big neighbourhood hills

Selling your Home?

Home Evaluations No Cost or Obligation

Call Rob Golfi today 905-945-0188 or 905-575-7700 NOT INTENDED TO SOLICIT PROPERTIES CURRENTLY LISTED FOR SALE.

Call 905-575-7700 / 905-945-0188

• Take your entire family to your favourite local skating rink, for an afternoon of ice skating.

• Ensure little ones have proper safety gear, such as a helmet, elbow and knee pads.

• Bring a thermos of hot chocolate and some holiday baking as a treat during breaks off the ice.

• Snow shoeing is a fun and affordable activity that can be done virtually anywhere outdoors - at a neighbourhood park trail or at the cottage.

• There are different types of snow shoes available for kids and adults, if you are a beginner, look for a recreational shoe that is meant for gentle and moderate walks.

• Keep your snow shoes in the trunk of your car so that you and your family are ready at a -Å moment’s notice. www.newscanada.com

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Page 10

The GOLFI TEAM Real Estate Market Watch

Family Income Splitting

Home Staging What's New for 2010

(Part 2 of 2) by: Paul Jespers Investment Advisor RBC Dominion Securities

by: Sheri Gamble, Details Event Coordination Inc. January is somewhat traditionally a slower time for selling real estate.

Therefore you need to ensure your house is in tip-top shape and staged properly before it hits the market.

What’s new for 2010?

Designer experts are telling us that slate and charcoal gray will be the hot new neutrals, taking over from the browns and beiges that had been so popular in previous years. Cool gray can be paired with almost any color for a winning combination.

Other popular colour choices for 2010 will be yellow and orange. Yellows and oranges are great colour options for décor such as throw pillows, artwork, bedding and kitchen accents. Stagers like to use bright colours in the winter months to add inside warmth and sunshine to offset our otherwise long, dreary Canadian winter.

Another trend for 2010 will be the continued use of using faux metallics in the décor scheme. This can be done quite inexpensively with a few accent pieces.

Pairing soft gray walls for example with silver lamps and throw pillows in the bedroom creates an elegant yet affordable look.

Most anyone can make a house look fabulous if they have money to bring a lot of new things into the home. But, the challenge for home stagers is to tackle decorating and space challenges by working with what the homeowners already own. It's all about refining and refurbishing.

Stagers can give your home that 2010 "designer" look by • Attractively arranging your furniture so that it really works • Positioning your lighting correctly for functionality and mood • Showcasing your art effectively • Skillfully displaying your accessories • Bringing in high impact décor pieces where necessary The demand for staging is being fueled by lifestyle TV shows, do-ityourself decorating books and magazines.

Staging will revolutionize the way real estate is sold in 2010!

When buyers go through a house, they're looking for ways to chip away at the asking price to see how low they can go for the offer. Staging makes sure there's nothing to chip away at. Home stagers take care of all the little things and stage the home to ensure the property is looking it’s very best, resulting in the most money in your pocket!

Don’t fall into the olive green and harvest gold trap of the ‘70’s! Let the home stage experts assist you while you get the jump-start for 2010!

Sheri Gamble and Gwen Kennedy are Home Stagers and Event Planners with Details Event Coordination. They can be reached at 905.632.2602 or via email at sheri@detailseventco.com or gwen@detailseventco.com. Visit their website at www.detailseventco.com. -Å

January 2010

Last month, I showed the benefits of a prescribed-rate loan between spouses.

Important factors to keep in mind Ensure that the borrowing spouse has sufficient cash available to pay the interest on the loan. The borrowing spouse must also be able to pay the interest to you each year. If the required interest payments are not made, the attribution rules will apply, and you, the higher income lender, will have to report all the investment income. Not only will attribution apply for the year the loan payment is missed, it will also apply for all subsequent years, regardless of whether or not the payment is subsequently made up.

Once you formally establish a prescribed-rate loan, the rate applies for the life of the loan even if prescribed rates subsequently rise or decline. There is no maximum amount restriction on these loans. You can create the loan for any length of time, and a simple demand loan is sufficient to lock in the prescribed rate.

Attribution rules – If you gift: • to your spouse - any future investment income and capital gain/loss will be taxable in your hands.

• to your minor child - any interest and dividends earned will be attributed back to you and taxed in your hands.

Capital gains, however, are taxed in your child’s hands.

• to your adult child – any future income will not be attributed to you, the gifting parent. Any capital gains or losses accrued at the time the gift is

made will be recognized on your tax return for the year in which you made the gift.

Example: Cash gift to adult child to fund education Ed has a 19-year-old daughter, Sandy, at university. He uses the investment income on $300,000 ($15,000) to help her fund her education expenses.

However, he pays tax on this amount at his marginal rate of about 45%. The remaining $8,250 covers most of her educational costs. Upon graduation, Ed plans to give $200,000 to his daughter to buy a condo with the help of Rob Golfi.

If Ed were to gift $200,000 to Sandy today, the family’s tax bill could be lowered significantly. Sandy could invest this amount to earn $10,000. With her basic personal tax exemption as well as her tuition credits, Sandy may not pay any tax on the income earned. Ed now has $100,000 invested earning $5,000; after paying 45% tax, he will have $2,700 left – a family increase of $4,450.

Prior to implementing this strategy, consult with your investment/tax advisor to assess its appropriateness, as well as to ensure that your loan agreement contains all of the necessary criteria to satisfy CRA. You can reach Paul Jespers, Investment Advisor at: 100 King Street West, Suite 1500 Hamilton, Ph: 905-546-5840 paul.jespers@rbc.com -Å www.PaulJespers.com

2009 Proves Real Estate is a Great Investment (January 6, 2009– Hamilton, Ontario) The Greater HamiltonBurlington area resale market reported a total of 779 units sold in December, indicating an increase of 70 per cent over the same month last year, but only 18 per cent higher than December 2007.

The total unit sales for 2009 are being reported at 5.8 per cent higher than 2008, while new units listed are 6.8 per cent lower for the year-to-date, according to Multiple Listing Service® (MLS®) statistics released by the REALTORS® Association of Hamilton-Burlington (RAHB).

“December 2009 was the best December RAHB has seen, rounding out the best fourth quarter in area history.” said Joe Ferrante, RAHB President.

“December is traditionally the slowest month of the year, but that was not the case in 2009.”

Residential properties sold during December totalled 733 which included 568 freehold properties and 165 condominiums.

Commercial sales for December, including industrial, farm, vacant land and business, totalled 46 units.

The average price of freehold residential properties sold in the month of December was $298,641, an increase of 13 per cent over the same month last year, and a decrease of 10.2 per cent over last month. The average price for all freehold residential properties sold in 2009 was 2.2 per cent higher than 2008.

In the condominium market the average price of condominiums in December was $241,574, an increase of 26.3 per cent over December 2008, and an increase of 5.3 per cent over last month.

The average price for all condominium properties sold in 2009 was 4 per cent higher than 2008. The average sale price

reflects the dollar volume of residential sales divided by the number of total residential units sold.

December’s total residential average sales price increased 14.6 per cent over the same month in 2008, and the average price for the year to date increased 2.6 per cent over 2008.

The total number of units listed for sale during December was 826, which is 51 per cent more than were listed in the same period in 2008.

“The Greater Hamilton-Burlington and the surrounding housing market performed reasonably well in 2009, outperforming most other markets in Ontario,” added Ferrante. “ Unit sales reflect “all property types” including residential, condominiums, commercial property, farmland and sale of businesses.

Established in 1921, the REALTORS® Association of Hamilton-Burlington (RAHB) represents more than 2,400 real estate brokers and sales representatives from Hamilton, Burlington, and surrounding areas. Members of the association may use the REALTOR® trademark, which identifies them as real estate professionals who subscribe to a strict code of ethics. The association operates the local Multiple Listing Service® (MLS®) and provides ongoing professional education courses for its members. In addition, RAHB is an active participant in the Home Ownership Affordability Partnership (HOAP) and holds an annual auction in support of local charities.

Advertisements of local MLS® property listings and information about the services provided by a REALTOR® can be found at www.REALTOR.ca. More information about RAHB is available at www.rahb.ca.

-Å

The GOLFI TEAM is ranked in the Top 100 Re/Max Teams in Canada.

RE/MAX has over 18,000 Sales Representatives in Canada

www.golfiteam.com

Rob Golfi

Sharon Stafford

Sales Representative

Sales Representative

Heather Reid Sales Representative

Hans Marcelissen Sales Representative

Wendy MurrayNicholson Sales Representative

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January 2010

The GOLFI TEAM Real Estate Market Watch

Page 11

Waterfront and Luxury Rob Golfi* Waterfront

Waterfront

3.2 acres

CODE # l71

GRIMSBY $1,499,900 2 Acre Lakefront Huge waterfront lot! 3+1 bedroom home with additional self contained in law suite. Open concept great room with cathedral ceilings, gleaming hardwood floors and floor to ceiling-wall to wall windows!

Waterfront

SOLD R HE T O N A ONE

A love-at-first-sight experience as you enter into this gorgeous 4 bedroom, custom-built beauty, located on 3.2 acres of private landscape. This one-of-a kind home boasts a bright and spacious layout with ample room for storage and a mature or growing family.

STONEY CREEK $294,900 Backs onto Turtle Sanctuary Unique area, designated ‘environmentally sensitive’. Shares in Neighbourhood Lakefront park and backing onto Turtle pond, this property is truly one-of-a-kind.

Updated plumbing, electrical, roof and more. Huge lot – come see the possibilities!

Waterfront

CODE # M484

$649,900 Waterfront!!

$429,900 STONEY CREEK Lakefront Condo End Unit

3+1 bedroom in Bal Harbour with gleaming hardwood floors and new broadloom. Great room has wall-to-wall windows and spectacular lake views. Several walkouts to backyard paradise with heated inground pool surrounded by amazing perennial gardens.

Luxury end unit condo with maple wash cabinetry, granite counters, tumbled marble backsplash, stainless appliances.

Maple floors, 9 ft. ceilings, 2 ensuites, private patio overlooking lake. 660 ft. of privacy on the water.

SOLD R HE T O N A ONE

GRIMSBY

GRIMSBY

Waterfront

in-laW

SOLD R HE T O N A ONE

CODE # B45

CODE # l95

$679,900 Custom Design

STONEY CREEK $525,900 350' Deep Lot

CODE # F7

Waterfront

CODE # C33

CODE # R19

GRIMSBY $689,900 4 Bedroom Custom Built

just listed

Exquisite custom home nestled into the escarpment. 3 bedrooms plus in-law suite loaded with quality finishes and decorated with artistic flair. Master suite with 5pc ensuite, 2 walk-in closets and garden doors to back deck – paradise!

Remarkable 2000sqft with amazing views with riparian rights. Features spacious family room with gas fireplace, 3 full size bdrms including den on upper floor underground sprinkler system, full shoreline protection, quick access to QEW.

Waterfront condo

15 acres

Selling your Home?

Home Evaluations No Cost or Obligation Call Rob

Golfi today

905-945-0188 or 905-575-7700 NOT INTENDED TO SOLICIT PROPERTIES CURRENTLY LISTED FOR SALE.

SOLD R HE ANOT E ON

CODE # W62

CODE # B1720

CODE # E85-9

STONEY CREEK $699,900 Exclusive Waterfront

PELHAM $524,900 Tremendous Views

STONEY CREEK $469,900 Waterfront Condo on Marina

STONEY CREEK $579,900 W O W ! Factor

Waterfront! Rare find on private lane close to Fifty Point Conservation area.

101ft of waterfront, park like setting and solid 3 bedroom bungalow. Substantial breakwall, well treed mature lot, amazing sunrises and sunsets included!

15 acres! Peaceful location with spacious principle rooms and convenient layout.

New windows, formal living room and separate dining room. Kitchen overlooks family room with fireplace and walkout to patio.

2 Bedroom fully finished unit with hardwood, ceramic, marble and new berber carpet. Maple cabinetry in kitchen, large master plus luxury 4pc ensuite. Professionally finished basement and so much more!

Incredible open concept! 3+1 bedroom with upgrades beyond the ordinary!

Custom kitchen, fully finished basement, beautifully landscaped, decorated like a magazine centre spread!! All the bells and whistles here, put it on your must see list!

Waterfront

Waterfront

48 acres

SOLD R HE T O N A ONE CODE # SB70

CODE # l6

CODE # D7

CODE # B227

CODE # l143

STONEY CREEK $599,900 Lakefront Oasis!

STONEY CREEK $649,900 Entertainer’s Dream

GRIMSBY $1,499,900 Fabulous Lakefront

Waterfront with riparian rights and private dock. A resort in your own backyard ‘Casa Seabreeze’!! Hardwood floors, sunken family room with picture window and view of TO Skyline. Luxury Master suite with decadent ensuite and private balcony overlooking the Lake.

Soaring ceilings! Marple hardwoods, stained glass, custom kitchen open to bar/meeting area. Master bedroom with ensuite and balcony. Ultimate yard with putting green, hot tub, patio and more!

Close to lake, park and marina.

Fabulous waterfront property! Custom built 3000 sq ft home with Lake views every room. Maple hardwood floors, granite counters, master suite with access to back deck, ensuite and walk-in shower. Handicap adaptable!

Call 905-575-7700 / 905-945-0188

GRIMSBY

$749,000 Country Living

Custom Colonial on 48 acres!

3 bedrooms with full finished attic.

Master has 5pc ensuite with euro shower and spa tub plus cedar lined closet. 3/4" Oak plank floors, solid birch kitchen with granite counters and cozy fireplace.

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Page 12

The GOLFI TEAM Real Estate Market Watch

January 2010

FeatureHome

Rob Golfi*

3.2 acres

CODE # R19

I

t’s a love-at-first-sight experience as you enter into this gorgeous 4 bedroom, custom-built beauty on 3.2 acres with prestige of a Ridge Road address. This one-of-a kind home boasts a bright and spacious layout, each room with its own function and personality but with a décor that invites seamless flow from room to room.

Top notch upgrades throughout, the main floor alone includes 9 ft. ceilings, 6 in. baseboards, gleaming maple hardwood, bull nose beading, powder room with vessel sink and granite countertops throughout (with exception of only the main level laundry room).

Fine dine or entertain within the comfort of your own home, as there is plenty of space to do so between the large eat-in kitchen, separate dining room, spacious living room and open concept family room. Upon entry thru the gracious leaded glass door plus transom and side lites designed in abstract similar to Frank Lloyd Wright in style, convenient den or home office is off the main

hall separated by double French doors. A glorious living room boasts gleaming and deeply stained hardwood floors, gas fireplace and plenty of windows with both a north and east exposure. Easy transition to the formal dining room — big enough for formal dinner parties yet the styling of this home accentuates the potential of casual comfort as well. The ambience of the room enhanced by the huge bowed window that brightens and accentuates the overall charm.

Spice things up in this ideal gourmet kitchen that includes ceramic tile, tall cabinets in a rich dark stain with unique hardware to compliment your stainless appliances and a granite breakfast bar. Another bowed window affords plenty of light with a southern exposure and a convenient garden door to access the back yard, ideal for the BBQ and outdoor living. The family room, adjacent to the kitchen, is again a light-filled room with an oversized slider to the yard that fills the room with daylight making it extra cozy and

comfortable. A gorgeous staircase to the upper level with wrought iron spindles and oak handrail lead to a most welcoming master bedroom. This personal retreat has a 5pc, spa-worthy, ensuite including a walk-in glass tile shower plus a lovely soaker tub with jets, ideal for unwinding after a long day.

Other features of this spectacular home include a Carrier infinity furnace and air unit, HVAC system, CVAC with Boss 550 CAN, main level wired with speakers and separate volume controls, chainless garage door openers and plenty of large 400 series Anderson windows throughout that allow for natural light to shine each and every day!

Don’t miss out on this exceptional home, it’s sure to impress!

Call Rob Golfi today at 905-575-7700 for a private viewing or visit my website at www.robgolfi.com Thank you for viewing my listing.

19 Ridge Road, Grimsby Price:

$689,900

Taxes:

$6,647.68 (2009)

Lot Size:

278' x 501'

House Size:

2,680 sq ft

Re/Max Escarpment Realty Inc., Brokerage Independently Owned and Operated

The GOLFI TEAM is ranked in the Top 100 Re/Max Teams in Canada.

RE/MAX has over 18,000 Sales Representatives in Canada

www.golfiteam.com

Rob Golfi

Sharon Stafford

Heather Reid

Hans Marcelissen

Sales Representative

Sales Representative

Sales Representative

Sales Representative

Wendy MurrayNicholson Sales Representative