April 2, 2013 - Vol 50
P R E S E N T E D
B Y
WHAT’S INSIDE: It’s a Mortgage War! PAGE 4
Rob Golfi Sales Representative
T H E
G O L F I
Grimsby, Lincoln West Lincoln & Niagara Listings PAGE 5
8 Hale Street, Stoney Creek, ON See page 8 for details.
HOME EVALUATION NO COST • NO OBLIGATION
905-575-7700 • 905-945-0188
T E A M
Hamilton, Stoney Creek, Ancaster, Dundas & Glanbrook Listings PAGE 8
Page 2
WHAT’S ONLINE
The GOLFI TEAM Real Estate Market Watch
About Rob Golfi
April 2, 2013
See what’s on our blog this week! Visit www.golfiteam.com and click on the BLOG tab.
Rob and Sue Golfi
age War! g t r o M a – r a It’s a W
Since the inception of his career in 1997, Rob Golfi has recognized that understanding his clients’ needs is essential to providing excellent service. Married 25 year with four children, Rob understands a family’s wants and needs.
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 HamiltonBurlington and Niagara areas, listing with Rob and the Golfi Team is the right choice when choosing someone to represent your best interest.
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WHAT OUR CLIENTS SAY...
April 2, 2013
The GOLFI TEAM Real Estate Market Watch
“
Dear Sharon,
We appreciate everything you and the team have done for us with the sale of our home at a price we were hoping for. With our home located in Smithville, we knew excellent marketing was essential.
Page 3
Being able to speak with a member of the Golfi Team whenever we called with questions was a real stress reliever!
With our move out of town, your assistance with a referral in our new We were very pleased with the results of area was much appreciated. We will home staging which helped make our certainly refer you to all of our friends home more attractive to potential buyers and family! and a resulting offer within two weeks! Sincerely, Joe & Patty
Thank letting us you so much for sell your h ome - Sh
aron
Outstanding Team. Exceptional Results.
2 Waterdown Waterdown Wa
Dundas Du undas
HAMILTON BURLINGTON & NIAGARA
Hamilton Hamililton
Ancaster Ancaster
Mount Mo ount Hope Ho ope e
Stoney Stoney Creek Creek eek
Grimsby Grimsby
Lincoln Lincoln
Binbrook Bin inbrookk
Niagara Niagaaraa Niaga on onthe the St.St Lake St. Lake Catharines Cath Ca a rines atha
Thorold Thorold
West WestLincoln Lincoln
Pelham Pelham
Niagara Niagara Falls Falls
Welland Welland Wainfleet Wa Wainfleet
Port Port Colborne Colborne
Award Award 100%
1998-2013
Chairman’s
2003-2012
Lifetime
Inducted 2006
RE/MAX TEAM WORLDWIDE
Platinum
2002-2012
How The Golfi Team Did in 2012: ✓ Number Of Homes Sold in 2012: 313 ✓ List Price To Sold Price Ratio: 98% ✓ Average Days On Market: 39
Hall of Fame
Inducted 2003
Award Award Achievement
IN CANADA
Club
Award Award Club
RE/MAX TEAM
Fort FortErie Erie
40 Club
20
Burlington Burlington
Freelton Free eel elton ton
Diamond
Club
2010-2012
Information based on recorded commissions paid between January and December 2012 from the REALTORS® Association of Hamilton-Burlington. Rankings are compiled from figures submitted by regional and local offices.
Rob Golfi
Sales Representative
Sharon Stafford
Sales Representative
Heather Reid
Sales Representative
Hans Marcellissen Sales Representative
Wendy Murray-Nicholson
Sales Representative
Mike McNeil
Sales Representative
Kristina King
Sales Representative
John Hellicar
Sales Representative
Call Today 905-575-7700
Margaret Berlo
Sales Representative
Dan Golfi
Sales Representative
Lynn Page
Sales Representative
Page 4
The GOLFI TEAM Real Estate Market Watch
Is Your Bank’s Mortgage Insurance Plan a good deal???
It’s a Mortgage War! Below is the average posted rate going back to 1951:
by Gianni Leonetti, Leonetti Consulting hen you go to the bank to get a mortgage, you'll inevitably be asked to take out mortgage insurance. The idea behind mortgage insurance is simply that if something happens to you or your spouse then your loan will be paid off which is good news for your family and fortunately the bank. Most banks act like they are doing you a favor by offering you mortgage insurance through their own group plan, but are they? The truth is that you could probably get a much better deal and at least an equal amount of protection by shopping around for your own private insurance policy. Mortgage insurance is no different than term-life insurance, both policies only last for a specified period of time and pays its benefits if something happens to you or your spouse. The real difference comes down to how much control you'll have over your policy and how much you'll pay for it. If you choose to use the mortgage insurance offered by the bank, you will not be able to customize a policy to fit your needs and you will only have limited control over your policy. For example, through a third party provider, you would be able to choose your own beneficiary, decide how to spend the proceeds if necessary, and cancel the policy at any time. You would not have these options with a lending institution. Additionally, the bank maintains the right to not renew
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your policy and to cancel the policy when you sell the house. If you find your own insurance provider, you can make those decisions yourself. The other major difference is cost. A third party insurance policy's premiums will not go up, so you would pay the same premium today that you'd pay ten or twenty years from now. You won't get that same guarantee from a bank, which can and probably will increase your premiums during the life of the policy. In most cases, you'll probably pay more through a bank anyway. In fact, the policy you take out through your bank will gradually decrease and increase in price as you get older while a plan you select from an outside source will be worth the same amount during the entire policy period. The bottom line is that mortgage insurance is important and should be part of your home buying or refinancing preparations, but that does not mean you need to pay more or let the bank make important decisions for you. Leonetti Consulting will assist you in creating a personal insurance plan utilizing a reputable Canadian insurance provider that will let you stay in control of your policy and will save you money in the long run. Give us a call and experience the difference!! Contact Gianni at 905-690-5052, ext. 251 or email him at gianni@leonetticonsulting.com
PINTEREST-ING!
April 2, 2013
MO threw down its mortgage gauntlet on Friday, with a rock-bottom five-year fixedrate at 2.99% (down from 3.09%), effective immediately. The rate drop is reminiscent of the bank's 2012 attempt to win mortgage seekers during the busy spring real estate season. The move sparked a mortgage price war and prompted admonishments from an angered Finance Minister Jim Flaherty. This time is no different, with Flaherty issuing a harshly worded statement about the expectations of prudent lending by Canada's banking system. The good news is that anyone currently shopping for a mortgage will end up with even lower rates. And that includes me. Of course, there's more to selecting a mortgage than a low rate, but it does prompt the question: how much have rates shifted over the decades? While data on discounted mortgage rates-the posted rates minus discounts offered by banks and A-lenders to good, qualified credit borrowers-is not readily available, the Canadian Mortgage and Housing Corporation collected data on posted mortgage rates going back to 1951. Just to clarify the posted rate is the rate banks offers before discounts. The current posted rate is 5.24%.
B
2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988 1987 1986 1985 1984 1983 1982
4.24% 4.57% 4.82% 5.05% 6.41% 6.36% 5.98% 5.48% 5.80% 5.99% 6.70% 7.18% 8.20% 7.39% 6.90% 7.07% 7.94% 9.22% 9.34% 8.70% 9.52% 11.16% 13.24% 12.05% 11.60% 11.14% 11.22% 12.18% 13.61% 13.29% 17.89%
1981 1980 1979 1978 1977 1976 1975 1974 1973 1972 1971 1970 1969 1968 1967 1966 1965 1964 1963 1962 1961 1960 1959 1958 1957 1956 1955 1954 1953 1952 1951
18.15% 14.32% 11.98% 10.59% 10.36% 11.78% 11.43% 11.24% 9.59% 9.21% 9.43% 10.45% 9.84% 9.06% 8.07% 7.66% 7.02% 6.97% 6.97% 6.97% 7.00% 7.18% 6.98% 6.80% 6.85% 6.23% 5.88% 6.01% 5.97% 5.77% 5.46%
According to Robert McLister, editor of canadianmortgagetrends.ca, the discounted five-year fixed rates were as follows: 2011: 3.49% (posted rate minus 1.8%) 2001: 5.85% (posted rate minus 1%) 1991: 9.19% (posted rate minus 0.65%) 1981: 17.54% (posted rate minus 0.25%) *Thank you to Debra Conner, Housing Information Analyst, CMHC, for supplying the posted rate raw data.
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Grimsby, Lincoln West Lincoln & Niagara
April 2, 2013
The GOLFI TEAM Real Estate Market Watch
Rob Golfi*
Page 5
GRIMSBY $399,900 77 Plum Tree Lane
ST CATHARINES $217,900 9B David Street
GRIMSBY $289,900 41 Hemlock Way
GRIMSBY $334,900 40 Viking Drive
FABULOUS FIND! All brick, 3 bedrm home, features 9 ft ceilings & upper flr family rm w/gas fireplace, gorgeous hardwd flrs, large family-size maple kitchen w/breakfast bar, fenced yard with patterned concrete patio, master bedrm with walk-in closet and ensuite, fin. basement with large rec-rm.
Bi-level semi-detached home only 6 yrs new with open concept kitchen, spacious living/dining room with 5 bedrooms with large windows, 2 large bedrooms on the main floor and bathroom with soaker tub & separate shower, a fully-finished basement with rec-rm.
Losani freehold! No fees! 3 bedrooms, 2.5 bathrooms. Corner gas fireplace, bamboo flooring, berber carpet, 4 appliances, bed level laundry, ensuite with soaker.
LAKESIDE COMMUNITY – 4 Level side split w/open & inviting floor plan, features large eat-in kitchen, cozy family room w/gas fireplace, updated shingles 2010, furnace 2012, updated vinyl windows, updated carpet, ceramics & porcelain tiles, rough-in central vacuum.
VINELAND $279,900 3925 Durban Lane
NIAGARA-ON-THE-LAKE $259,900 104 Young Crescent
BEAMSVILLE $429,900 4359 Tamarac Avenue
BEAMSVILLE $779,900 5109 Leonard Crescent
Stunning home was originally the model home in the gated community of Cherry Hill Estates. Many upgrades. Open concept living room, kitchen and dining room with vaulted ceiling. Hardwood and ceramics on the main level, basement is partially finished with additional bedroom
Beautifully decorated 3 bdrm, townhouse in desirable Niagara on the Green. Main floor offers HW floors, large living room with gas fireplace, open concept kitchen, dining room. Large 2 tiered deck off patio doors. Centrally located w/QEW access, close to Niagara Falls & Niagara College.
QUIET COURT LOCATION – This 4 bedrm 2 storey home has everything you’re looking for, open concept, gorgeous hardwood floors in living/ dining room & family room, gas fireplace, 3 tier patio deck in landscaped back yard, new shingles in 2011, updated vinyl windows, & oversized lot.
9.2 acres on Escarpment bench, surrounded by trees is minutes from town. Secluded 1900 sq.ft. bungalow features stained oak hrdwd flrs, large liv. rm with showcase fireplace. Flr to ceiling sliding doors lead to backyard oasis overlooking Lake Ontario. C/A, vinyl windows & shingles in the last 10 yrs, & oversized 23x23 ft. double garage.
$1512.37 per/mth P&I / O.A.C.
$1058.54 per/mth P&I / O.A.C.
$824.07 per/mth P&I / O.A.C.
$982.91 per/mth P&I / O.A.C.
$1096.36 per/mth P&I / O.A.C.
$1625.82 per/mth P&I / O.A.C.
$1266.55 per/mth P&I / O.A.C.
$2949.47 per/mth P&I / O.A.C.
ONE R E OTH N A D SOL
GRIMSBY $324,900 5 Hazelwood Avenue
WEST LINCOLN $374,900 8530 Silver Street
ST. CATHARINES $409,900 8 Westport Avenue
GRIMSBY $309,900 683 Ridge Road West
RARE FIND! Beautiful 2+1 BR on a 50x207 ft. lot, in family neighbourhood. Updates: roof ‘11, soffits & eaves, patio, gas bbq hook up, 2 baths redone, kitchen, & freshly painted. Fin. basement with new rec room, 3rd bdrm/games room. Laundry, large workshop & detached single garage.
CHARACTER HOME Circa 1865 – Sitting on 1.22 Acres, 4 bedrm, 2 bathrms, over $200,000 in updates, beautiful pine plank flrs, large country size kitchen, updated vinyl windows, newer furnace & C/air, inground pool, 20x32 ft hobby barn + dble car garage 15 min drive to Hamilton.
Prestigious area, walking distance to Port Dalhousie. Impressive open concept layout. Main level has hardwood flooring, living room with a wood burning fireplace, large family room surrounds eat-in kitchen w/plenty of countertops, cabinets, pot drawers & pantry storage. 2 patio doors lead to deck and private backyard.
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.
$1228.73 per/mth P&I / O.A.C.
$1436.73 per/mth P&I / O.A.C.
$1550.18 per/mth P&I / O.A.C.
$1172.00 per/mth P&I / O.A.C.
GRIMSBY $799,900 2 Shoreline Crescent
GRIMSBY $649,900 643 Ridge Road West
VINELAND $254,900 3927 Durban Lane
GRIMSBY $459,900 23 Tunbridge Crescent
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.
Country living at its best! 1.3 acres and features beautifulhardwd flrs, oak staircase, professionally finished basement,master bedrm with large ensuite, double garage with directaccess to basement, updated vinyl windows, furnace 2010,shingles 2006, 9000 gal cistern under garage.
This beautiful home is in the gated community of Cherry Hill Estates. Open concept bungalow features hardwood &ceramics on main floor, oak staircase, California shutters, garden doors to large deck & a sunny main floor den.
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
$3025.11 per/mth P&I / O.A.C.
SOLD
ONE R E H ANOT
$2457.83 per/mth P&I / O.A.C.
$964.00 per/mth P&I / O.A.C.
$1739.28 per/mth P&I / O.A.C.
WEST LINCOLN $399,900 5798 Sixteen Road
BEAMSVILLE $599,000 4130 St. George’s Drive
BEAMSVILLE $454,900 4024 Bush Crescent
VINELAND $185,000 3933 Durban Lane
19th CENTURY CHARM -sitting on 1.11 acres, great rm addition w/cathedral ceilings & gas fireplace, remodelled kitch, Original pinewood & oak floors, 40x40 work shop w/800 sq.ft. mezzanine, newer shingles ‘10 & new furnace, & mostly updated vinyl windows.
New Hampton Model home! 3000 sq.ft. of pure luxury, loaded w/upgrades. Open concept w/hardwood, ceramic & porcelain flrs. Kitchen w/granite counters, glass backsplash & island. DR boasts coffered ceilings & wainscoting. Master bdrm w/double walk in closets & spa bathroom.
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.
Get inside to see this lovely home in the gated community of Cherry Hill Estates.! Generous foyer opens to the comfortable living room. Eat-in kitchen w/sliding doors to large deck.
$1512.37 per/mth P&I / O.A.C.
$2265.33 per/mth P&I / O.A.C.
$1720.37 per/mth P&I / O.A.C.
Call Today 905-945-0188
$699.64 per/mth P&I / O.A.C.
Page 6
The GOLFI TEAM Real Estate Market Watch
April 2, 2013
Congratulations Winners! Congratula tions
Victoria from Ham Richards-Saund ers, ilton, Age 4
a Kowch, n n A s n o ti Congratula n, Age 5 from Hamilto
Thank you to all the young artists who participated in our 2013 Easter Colouring Contest! Thank you to your friends and family who took the time to vote for you!
We look forward to receiving your entry next year!
iran Chinjer, Congratulations Jask , Age 12 from Stoney Creek
www.golfiteam.com
April 2, 2013
The GOLFI TEAM Real Estate Market Watch
6TH ANNUAL NIAGARA HOME & GARDEN SHOW
Page 7
Why we need a Danish housing ‘Lemon Law’ hat we need in Ontario to protect resale home buyers from hidden defects is a lemon law like the one they have in Denmark. Reader Anthony Caruso, living in Aalborg, reminded me that the Danes have a type of insurance — split equally between buyer and seller — that protects against unforeseen defects discovered after closing. The policy costs between $1,200 and $3,000, depending on the age of the home, and is dependant on a home inspection. It will last for up to 10 years. The seller must not have done anything to deliberately cover up a defect or they may be held responsible later. The insurer will then pay for hidden defects as they occur, as well as the costs of suing a seller who may have committed a fraudulent act in covering up any defects. If Ontario had a similar process, I have no doubt it would result in sellers being more honest about the condition
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The Niagara Home & Garden Show is returning to Grimsby
Friday April 12 4pm to 8pm & Saturday April 13 9am to 4pm
of their properties — and buyers, in turn, being more satisfied and protected. But it won’t be easy. Kevin Hamilton of Moncton-based Lux Residential Warranty Program Inc. has offered a CMHC-approved new home warranty plan for Atlantic Canada for the past eight years. They are now finalizing a warranty plan that will soon be available for resale home buyers in Atlantic Canada and Ontario. Their website lists all the things that could go wrong with your home after closing. There is also a detailed exclusion clause as to what will not be covered, including anything containing asbestos, flashing eaves, sewage backups or where there has been improper ongoing maintenance. The maximum liability for any claim under this policy is $500 to $2,500, depending on the problem; the average premium will be about $385. Most buyers who find serious issues after closing need to spend much more than this. Still, this is a step in the right
Peach King Centre 162 Livingston Ave., Grimsby
Parking & Admission are Free!
Rob Golfi Sales Representative
The professionals in home décor, landscaping, gardenning and much more will be available all weekend to answer your questions.
905-575-7700 Seniors Real Estate Specialist is a designation for REALTORS® to address the needs of home buyers and sellers, age 50-plus. If you are buying or selling a home, contact Rob Golfi today.
Come on out and meet the Golfi Team – we’d love to see you! For more information please contact us directly.
905-575-7700
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direction and Hamilton says they hope to increase these coverages as they learn more. The lemon law column prompted a lot of mail from unhappy buyers, tradespeople, home inspectors and insurers. They all agree the current system does not work and buyers need much better education and protection when buying a resale home. Doug McAllister, an electrician from Sudbury, commented that if he performs shoddy work, he will be held responsible. He figures he is probably more qualified than most home inspectors and says it is not right that anyone can put out a home inspector sign after taking courses for two weeks. I think the government should get things going with regulations or a challenge to the home-inspection industry to develop continuing educational standards and avenues for consumer complaint. Insurers can help by developing products that protect resale homebuyers. In the interim, I encourage every resale homebuyer to include a clause in any contract that the seller represents and warrants that during their ownership they never experienced any water penetration, and if they have, to provide details of any repair work done. If the seller refuses to sign, then ask for a more detailed inspection by a basement water or mould specialist, or adjust the price of your offer. Mark Weisleder is a lawyer, author and speaker to the real estate industry. Email mark@markweisleder.com
Crossword Solution
Page 8
Hamilton, Stoney Creek, Ancaster, Dundas & Glanbrook The GOLFI TEAM Real Estate Market Watch
Rob Golfi*
April 2, 2013
HAMILTON CENTRAL $162,900 67 Kensington Ave. North
HAMILTON EAST $799,900 865 Beach Blvd.
HAMILTON MTN $199,900 843 Queensdale Ave. East
HAMILTON EAST $259,900 3 Sandlyn Court
2-1/2 storey, 4 bedroom, 3 full bathrooms, all brick home in great location, close to buses and schools and shopping. Bring your paint brush and tool belt and make this great find your own! Ask us about mortgage home improvement program.
Gorgeous property backing onto the beach & Lake Ontario! Incredible views! Renovate or build your dream home here! Or sever the lot and build 2 new homes.
FIRST TIME BUYERS ON THE MOUNTAIN. Very well kept one floor plan with pro finished rec room w/gas fireplace. Eat in Kitchen w/ walkout to side yard/deck , fully fenced and side drive. Updated doors, flooring, shingles, windows & wood burning fireplace in livingroom.
LOCATION & VALUE! Fantastic side-split with lots of parking, shows very nice, quick possession available, close to shopping and schools. Generous sized rec room w/electric fireplace and 2 piece bath. Huge storage area in lower level, built in shelf`s in bedroom and new patio door 2013.
HAMILTON EAST $350,000 867 Beach Blvd.
STONEY CREEK $235,900 15 Spartan Ave.
HAMILTON MTN $239,900 230 East 27th Street East
HAMILTON MTN $199,900 71 East 24th Street
WATERFRONT LOT 42.50X149.00 ft.! Build your dream home in trendy Beach Blvd backing onto the Waterfront Trail, fully serviced vacant lot with sewers, water & gas to lot line.
CLEAN BRIGHT AND BEAUTIFUL – 4 lvl back split in fantastic condition features bright kitchen with oak cabinets, gorgeous hardwd flrs, pot lighting, family rm with walk out to patio & fenced yard, new vinyl windows, shingles 7 yrs new, quick access to QEW.
Near schools buses and shopping! Charming 1.5 storey home close to all amenities features 3+1 full bedrooms, great dining area off of kitchen with patio door leading to yard, part. fin. basement, mostly vinyl windows, freshly painted, detached single garage. Ideal for the new buyer!
Fantastic opportunity for a young family to live on the Mountain for $199,900 in a 3 bedroom, 2 bathroom home. Updates include: most windows, front door (’10), some updated wiring, main roof, siding (’06) and insulation. All appliances included!!! Rear Parking.
$3025.11 per/mth P&I / O.A.C.
$616.07 per/mth P&I / O.A.C.
$1323.65 per/mth P&I / O.A.C.
GLANBROOK $385,900 1635 Glancaster Rd. Renovated country bungalow on 75x576 ft. lot minutes to the city, custom maple kitchen with granite, Brazilian flooring, 20x20” tiles, new windows, shingles (’06). If you love the country & want to feel like you are living in a new home than this place is for you. $1459.42 per/mth P&I / O.A.C.
SOLD
ONE R E H ANOT
$892.14 per/mth P&I / O.A.C.
HAMILTON
$269,900
$755.99 per/mth P&I / O.A.C.
$907.27 per/mth P&I / O.A.C.
$982.91per/mth P&I / O.A.C.
$755.99 per/mth P&I / O.A.C.
ONE R E OTH N A D SOL
8 Hale Street
HAMILTON MTN $299,900 723 Templemead Drive
BURLINGTON $409,900 2413 Emerson Drive
BEAUTIFUL FREEHOLD. Was the Model home. Upgraded trim, crown mouldings, pot lights, hardwood, granite counters, oak stairs throughout, balcony off kitchen, fully fenced yard and island in kitchen w/dishwasher. Shows great, quick poss. available. Great location. Close to HWY.
CHARM WITH A CAPITAL “SEE”! 2 storey home with fully finished basement in fantastic condition, hardwood and new carpeting on stair case and upper level, large kitchen, separate dining room, most windows updated 2011, shingles 6 years new, fenced yard, and close to all amenities.
Bronte Woods linked home in The Orchards. Open concept main level features an eat-in kitch, spacious foyer, & hardwd flooring, lrg master w/ensuite bathrm & walk-in closet, fully fenced yard & stone patio area w/access to garage. Close to all amenities, schools, & parks.
$1020.72 per/mth P&I / O.A.C.
$1237.79 per/mth P&I / O.A.C.
$1550.18 per/mth P&I / O.A.C.
STONEY CREEK $549,900 39 Sasha Court
STONEY CREEK $174,900 108-150 Gateshead Crescent
HAMILTON CTR $147,000 120 Duke Street, Unit #601
HAMILTON MTN $692,900 113 Mountain Park Avenue
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.
CHARMING END UNIT – In Gateshead townhouse community! Immaculate home features updated kitchen with granite counters, prof. finished basement with 2 pc bath, enclosed patio, freshly painted, many updates done recently from condo corp, plenty of visitor parking.
Spacious 2 bedroom, 1.5 bathroom condo close to the go station, university and hospital. Building amenities: Indoor salt water pool, fitness room, hot tub, sauna, party room, underground parking for owners & visitors!
SPECTACULAR VIEWS! Custom rebuild, large foyer, rich hardwood, gourmet kitchen w/granite island & S/S appl. 4 bedrms, two 6 piece baths, covered deck w/ view of city, Toronto & Lake. Great rm & dining rm both w/limestone FP. Balcony off Master Bedrm. Short walk to Juravinski hospital.
$2196.39 per/mth P&I / O.A.C.
$661.45 per/mth P&I / O.A.C.
$2620.45 per/mth P&I / O.A.C.
$555.93 per/mth P&I / O.A.C.
SOLD
ONE R E H ANOT
BURLINGTON $429,900 5255 Lakeshore Rd. Unit#42
STONEY CREEK $274,900 356 Celtic Drive
STONEY CREEK $517,900 177 Silverlace Circle
HAMILTON CTR $94,900 2607-150 Charlton Avenue East
Charming 2 storey townhouse "NEWPORT Village", just steps from the Lake, parks & shopping. Features updated kitchen, hardwd flrs, crown moulding throughout, spacious priv. rear patio (20 x 11'). Master BR w/ensuite bath & walkin closet, finished basement. Furnace & A/C updated Nov ’09.
NEAR SCHOOLS, BUS & SHOPPING! 3 bedroom home in a desirable neighbourhood, features sunken family rm with cathedral ceiling & gas fireplace, professionally finished basement w/gas fireplace, master bedrm w/ensuite & walkin closet, new furnace & c/air 2011, new shingles 2007.
BEAUTY, WARMTH & VALUE – All brick, w/top quality finishes, maple kitchen cabinets w/granite counters & breakfast bar, hardwd flrs, fin. basement great for in-law, master bedrm suite w/additional rm - great for dressing rm, den, TV rm or nursery, & grand foyer w/spiral maple staircase.
Cozy 1 BR condo w/escarp.views. Updates incl. toilet & soaker tub & all flooring. Amenities incl. indoor salt-water pool, games rm, exercise rm, ldry facility w/14 washers & dryers (updated w/swipe card payment equipment), steam sauna & party rm. Underground parking avail. $40/mth.
$1625.82 per/mth P&I / O.A.C.
$1039.63 per/mth P&I / O.A.C.
$2068.58 per/mth P&I / O.A.C.
www.golfiteam.com
$379.05 per/mth P&I / O.A.C.
April 2, 2013
Hamilton, Stoney Creek, Ancaster, Dundas & Glanbrook The GOLFI TEAM Real Estate Market Watch
Rob Golfi*
SOLD
Page 9
ONE R E H ANOT
STONEY CREEK $369,900 20 Blue Mountain Drive
HAMILTON MTN $517,900 447 DiCenzo Drive
STONEY CREEK $379,900 167 Montreal Circle
STONEY CREEK $459,900 20 Spartan Court
JUST AMAZING! Prev. model home, features stylish kitch w/granitecounters,HWflrs,oakplankstairswithwroughtiron spindles, showcase fireplace w/built-in TV screen, master bedrm w/ensuite, speaker system through-out, underground sprinkler system, & a professionally finished basement.
TRENDY, STYLISH & LUXURIOUS! Maple kit. cabinets, island & granite counters, HW flrs, oak staircase w/wrght iron spindles, family rm w/showcase fireplace, 6” baseboards, crown moulding, 62 pot lights, surr. sound system, energy star windows, & finished basement w/custom cabinet bar.
MORE THAN YOU’D EXPECT – This all brick home with open & inviting flr plan, features maple kitch w/breakfast island, beautiful hardwd flrs through-out, oak staircase, coffered 9 ft. ceilings w/pot lights, California shutters, insulated garage, 3 pc rough-in in basement.
TUCKED AWAY ON QUIET CUL-DE-SAC! 2-storey home backing onto forestry w/complete privacy, features incredible open floor plan, lrg family rm w/showcase gas fireplace, hardwd flrs on main level, master bedrm w/luxury ensuite & walk in closet, fenced yard, & main flr laundry.
HAMILTON EAST $169,900 117 Fairfield Avenue
HAMILTON CTR $269,900 107 Garfield Avenue South
HAMILTON MTN $159,900 36 Poplar Avenue
HAMILTON CTR $289,900 673 King St. East
BUNGALOW WITH FAMILY ROOM ADDITION. Two good sized bedrooms w/a large family room, lots of parking, updated windows, shingles, furnace, C/A, kitchen & wiring. Needs TLC in decorating & cleaning. Great Value. Close to highway access & shopping.
USED AS A TWO FAMILY! 1 bedroom on main floor, porch & laundry room, $850/mth w/1yr lease from Oct 2012. 2nd/3rd floor two bedrm w/ensuite, granite, gas FP, ldry room $875/mth(vacant). New H/E boiler (gas on equal bill $106/mth). Steel roof, windows & doors 2008.
LOCATION, LOCATION! Walk to Juravinski, steps to mountain brow and 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!
LOCATION LOCATION! This incredibly maintained 2200 sq.ft. corner property with commercial frontage and 2 add’tl apts features fantastic income, close to Cathedral high school, new roof 4yrs new, 14 ft ceilings, hardwd flrs, full basement with newer wiring & parking space in the back.
$1477.44 per/mth P&I / O.A.C.
$678.61 per/mth P&I / O.A.C.
$2068.58 per/mth P&I / O.A.C.
$1436.73 per/mth P&I / O.A.C.
$1836.92 per/mth P&I / O.A.C.
FREE MARKET EVALUATION $1078.02 per/mth P&I / O.A.C.
$638.67 per/mth P&I / O.A.C.
$1157.91 per/mth P&I / O.A.C.
Your home could be worth more than you think!
905-575-7700
GOLFI
Concrete & Drain Ltd. Specializing in all types of concrete work:
• Exposed, stamped & sandblast • Basement floor, garage floor, porch, steps, walkways & patios • Concrete removal & repairs • Installation of inside drains • Custom design for residential & commercial • Fully insured, fully licensed Call for a FREE estimate today
905-662-4022
www.golficoncreteandrain.com SAVE 10%
when you mention this ad & book for 2013!
Call Today 905-575-7700
Marketplace
Page 10
The GOLFI TEAM Real Estate Market Watch
April 2, 2013
Real Estate Lawyer
Paul Lewis Settimi
Barrister, Solicitor and Notary Public
Competitive Pricing & Free Estimates
GATEWAY YARD MAINTENANCE
289-273-2951
gateway.yard@gmail.com
PROUDLY SERVING GRIMSBY AND SURROUNDING AREAS
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
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
Hamilton: 905-573-8776 Grimsby: 905-945-5540 www.harveymoving.com david@harveymoving.com
Margaret Whorwood Agent Lic. No. M11000188
Mortgage Planner fala português
Clutter Removal & Organizing WE GUIDE YOU THROUGH THE ENTIRE PROCESS Pamela Culp Blanchard Cell: 905-971-9568 www.beclutterfree.ca
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 1-877-955-9663 • 905-304-3380 • hamilton@mrsandless.com
HOME STAGING Tree Inspection - Disease Diagnosis Ornamental & Shade Tree Pruning Tree Surgery & Cabling Tree & Stump Removal Tree & Shrub Fertilization
Senior Downsizing
Skid Steer Services Available Attachments Available Backhoe Post Hole Auger Tree Spade
Jeff Green Certified Arborist
Bus: 905-957-5818 Cell: 905-516-0640
WE GUIDE YOU THROUGH THE ENTIRE PROCESS Pamela Culp Blanchard Cell: 905-971-9568 www.seniordownsizing.ca
www.golfiteam.com
April 2, 2013
The GOLFI TEAM Real Estate Market Watch
Page 11
Curb Appeal – Make a great First Impression! and knocker, clean all windows, get a new doormat, clean the garage, hang hoses, take down Christmas lights and most importantly -- improve the landscaping. Mike (MJ) Gatenby of GATEWAY YARD MAINTENANCE has been serving the "The Gateway to Niagara" (the Niagara Region) beautifying yards for many types of customers - busy families, seniors and local businesses to name a few. GATEWAY YARD MAINTENANCE specializes in : Mike (MJ) Gatenby, Gateway Yard Maintenance ow that spring is here and now that frost is no longer a threat, improving the curb appeal of your property is on the minds of most people. Every good real estate agent will tell you to paint the front door if needed, polish the door handle
N
GATEWAY YARD MAINTENANCE “just ask and we might do it.” We care for your property like it is our own and we ensure the job is done properly and to your standards. Estimates are always free and pricing is affordable.
For great curb appeal with friendly professional service at an affordable price, call Mike at Gateway Yard Maintenance, 289-273-2951, gateway.yard@gmail.comAlso find us on FACEBOOK or Linked In.
• • • • •
Spring clean ups Grass cutting/maintenance Leaf blowing Gutter cleaning Weeding, edging and maintenance of garden beds • Pruning trees/bushes • Fall clean-ups and general rubbish removal. Our friendly and professional service is something we are very proud. At
FREE Market Evaluation
MORTGAGE ME TODAY
Your home could be worth more than you think!
905-575-7700
CROSSWORD PUZZLE (Solution on Page 7)
powered by
We listen. We understand. We make it work. • Helping with Mortgages, Loans, Debt Consolidation, Refinance and Renewal • Supporting everyone including low income, challenged credit, new immigrants, non-residents and self-employed.
Danny Benjamin Mortgage Agent
• Supporting in English and Assyrian languages.
Lic #: M13000431
SUDOKU Tel: 289-808-4102 Email: danny.benjamin@migroup.ca Web: www.MortgageMeToday.com
5 1
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The Solution
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Call Today 905-945-0188
7 1 8 2 5
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.
Executive Freehold Towns Y A D 0 9 G N I S O CL
e l l i v s m a Be 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
18
South Service Rd.
King St.
Mountain St.
South Service Rd.
QEW
Ontario St.
QEW
246,900
Starting at
$
6 UNITS LEFT!
Cassandra Dr. Hillside Dr.
Sales Office Hours: Tues & Thurs 1-5pm, Sat & Sun 1-4pm Monday, Wednesday & Friday by appointment
NOW N! OPE
Pre-register now for Phase 2 Brownstones! Visit www.homesbycambridge.ca
www.GolfiTeam.com | 905-945-0188