April 16, 2013 - Vol 50a
P R E S E N T E D
B Y
T H E
G O L F I
T E A M
WHAT’S INSIDE: Best Dressed Pet Contest PAGE 6
Rob Golfi Sales Representative
Grimsby, Lincoln West Lincoln & Niagara Listings PAGE 4
6 Patricia Court, Smithville, ON See page 4 for details.
HOME EVALUATION NO COST • NO OBLIGATION
905-575-7700 • 905-945-0188
Hamilton, Stoney Creek, Ancaster, Dundas & Glanbrook Listings PAGE 8
Page 2
The Golfi Team Real Estate Market Watch
About Rob Golfi
April 16, 2013
WHAT’S ONLINE See what’s on our blog this week! Visit www.golfiteam.com and click on the BLOG tab.
Rob and Sue Golfi
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.
uver home Toronto, Vanco in March ly p r a h s ll fa s le sa
ALSO:
Take a loo most exp k at the top 10 en can buy in sive homes you New York City
The latest listings in Hamilton, Stoney Creek, Grimsby & Niagara area Read more on www.GolfiTeam.com
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905-575-7700 Crossword Solution
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April 16, 2013
The Golfi Team Real Estate Market Watch
Page 3
WHAT OUR CLIENTS SAY...
“
Dear Rob, From the moment we met with you we were impressed with your professionalism and knowledge. You did a fantastic job! During negotiations, we were glad you were working for us!! You are to be commended for the great team you have working with you — every detail was taken care of. It has been a pleasure dealing with you and we will be recommending you to all of our friends and family.
843 Quee nsdale Ave E.
”
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
Rob Golfi*
April 16, 2013
Grimsby, Lincoln West Lincoln & Niagara
$289,900 GRimSBY 16 Glenwood Street
$227,900 GRimSBY 24 Kenyon Crescent Unit#38
$235,000 BeAmSville 4993 King Street
$379,900 GRimSBY 15 Tamarak Crt
Spacious 3 Level Backsplit in the heart of Grimsby! Features original hardwood floors on bedroom level, updated eat in kitchen, most windows have been replaced, roof approx. ‘06, newer fencing, entry doors and more. Large rear yard with plenty of privacy.
ORIGINAL OWNER - Two BR bungalow condominium in superb condition in quiet neighbourhood features kitch w/patio doors leading to cozy backyard patio, lrg oversized living rm w/berber carpets, main floor ldry & prof. finished basement w/rec room & 3pc bathrm. Quick access to QEW.
Prime location in downtown core. Storefront w/lrg window, front & back entrances can suit 2 businesses or 1 lrg one. Parking spaces in rear & municipal parking lot. New furnace & 2pc bath. 1800 sq.ft. of business space w/GC zoning, + 2 BR apartment on upper lvl. Tenant pays hydro.
IMMACULATE, OUTSTANDING HOME WITH ESCARPMENT VIEWS! Features 2000 sqft. of beauty, spacious kitchen w/patio doors leading to landscaped & private fenced yard, family rm w/hardwd flrs, large sun filled master suite w/walk-in closet and ensuite bath.
$1096.36 per/mth P&i / O.A.C.
$861.89 per/mth P&i / O.A.C.
$888.74 per/mth P&i / O.A.C.
$1436.73 per/mth P&i / O.A.C.
viNelAND $248,900 3927 Durban Lane
Smithville $474,900 6 Patricia Court
BeAmSville $449,900 4024 Bush Crescent
WeSt liNCOlN $374,900 8530 Silver Street
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.
ENTERTAINERS DREAM HOME! Designer kitchen with built-in appliances, granite, walk-in pantry, 5x5' island, built- in china cabinet, master walk-out to encl. hot tub, and 2 tiered deck to 21x42' heated salt water pool. Home is completely finished.
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.
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.
$941.31 per/mth P&i / O.A.C.
$1796.01 per/mth P&i / O.A.C.
$1701.46 per/mth P&i / O.A.C.
$1436.73 per/mth P&i / O.A.C.
St CAthARiNeS $217,900 9B David Street
GRimSBY $399,900 77 Plum Tree Lane
GRimSBY $334,900 40 Viking Drive
viNelAND $279,900 3925 Durban Lane
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.
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.
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.
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
$824.07 per/mth P&i / O.A.C.
$1512.37 per/mth P&i / O.A.C.
$1266.55 per/mth P&i / O.A.C.
$1058.54 per/mth P&i / O.A.C.
NiAGARA-ON-the-lAke $259,900 104 Young Crescent
BeAmSville $429,900 4359 Tamarac Avenue
BeAmSville $779,900 5109 Leonard Crescent
GRimSBY $324,900 5 Hazelwood Avenue
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.
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.
$982.91 per/mth P&i / O.A.C.
$1625.82 per/mth P&i / O.A.C.
$2949.47 per/mth P&i / O.A.C.
$1228.73 per/mth P&i / O.A.C.
St. CAthARiNeS $409,900 8 Westport Avenue
GRimSBY $799,900 2 Shoreline Crescent
GRimSBY $649,900 643 Ridge Road West
GRimSBY $459,900 23 Tunbridge Crescent
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.
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.
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
$1550.18 per/mth P&i / O.A.C.
$3025.11 per/mth P&i / O.A.C.
$2457.83 per/mth P&i / O.A.C.
$1739.28 per/mth P&i / O.A.C.
www.golfiteam.com
April 16, 2013
The Golfi Team Real Estate Market Watch
Page 5
Grimsby, Lincoln West Lincoln & Niagara
Rob Golfi*
SOLD
ONE R E H ANOT
FREE HOME EVALUATION
BeAmSville $599,000 4130 St. George’s Drive
GRimSBY $289,900 41 Hemlock Way
viNelAND $185,000 3933 Durban Lane
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.
Losani freehold! No fees! 3 bedrooms, 2.5 bathrooms. Corner gas fireplace, bamboo flooring, berber carpet, 4 appliances, bed level laundry, ensuite with soaker.
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.
$1096.36 per/mth P&i / O.A.C.
$699.64 per/mth P&i / O.A.C.
$2265.33 per/mth P&i / O.A.C.
NO COST OR OBLIGATION
905-945-0188
When do you have to Vacate a Rental Unit in Ontario?
H
otels typically let you check in by 3 pm and ask you to check out by noon. This gives staff time to make the room ready for the next guest. Do the same sorts of rules apply when a tenant moves out of a rental unit? Will it make a difference if the owner is selling the home to someone who wants to move in on the same day? Here are the answers to those questions. Ontario tenancies are usually for a year, so if yours started on August 1, 2012, then it will end at 11:59 pm on July 31, 2013. However, if the tenant doesn’t give notice, the tenancy will automatically renew as a month-to-month arrangement, meaning the end of any term is the end of any month. If you have a month-to-month arrangement you must give 60 days’ notice before the end of your term. In the
above example, it would be the end of any month. For example, if today is April 8, 2013 and you pay rent on the first of every month, the earliest you can end your tenancy is June 30, 2013. You must leave before midnight on the last day, in this example, on the last day of the month. (If you pay your rent on the 15th of the month, then the end of your term would have been June 14th.) If you’ve bought a home or found another apartment, but can’t get in until July 1st, you may have no choice but to stay in a hotel or with friends overnight on June 30. You’d also have to store your belongings for a night. You have no right to stay until July 1, but if you have a good relationship with your landlord, he’ll probably let you stay until the morning, so long as you’re gone before noon. Remember, the landlord has to make sure that the unit is clean before
the new tenant takes over. It gets even more complicated if you are buying a property with a sitting tenant and you want to move in. If you schedule closing on the same day the tenant is supposed to leave, you may not get possession until late at night. Buyers and sellers should try to schedule the closing date so that it takes into account when the tenant will be leaving, unless separate arrangements can be made with the tenant to leave the unit earlier. This can be done by typically assisting the tenant to find another place to live. Landlords may run into a situation where an existing tenant does not leave on time, or even on the day that they are supposed to. If vacant possession is not given as promised and someone is waiting to move in, then the tenant who has been inconvenienced can sue for any costs incurred in storing their personal
effects and for hotel bills. In Ontario, apartments are not like hotels and tenants cannot be forcibly evicted. Landlords can consider inserting a clause in their lease that says if possession is delayed for any reason, the tenant only receives a rent credit for the days lost. Tenants should make sure to check whether special arrangements need to be made to reserve any elevators for moving purposes, especially in a condominium, which typically only permits moves to take place during specific times and only after timely notice has been given to the condominium management company. By communicating early in the process, both landlords and tenants should be able to end their relationship in a positive manner. Mark Weisleder is a Toronto real estate lawyer. Contact him at mark@markweisleder.com
PINTEREST-ING! Great ideas pinned weekly! www. pinterest.com/robgolfi
Cove Lighting. Cove lighting, installed in a ledge high up on the wall, provides soft, ambient lighting that bounces off the ceiling and adds a touch of glitz to this living room. The lighting was installed on a dimmer, allowing the homeowner to create a mood when entertaining.
Play with pattern sculptural surface panels. A sculptural surface like this adds interest to a wet room by creating shadow and light. Team with a frameless shower screen that contains any spray but still allows the wall to remain the hero.
Call Today 905-945-0188
Page 6
The Golfi Team Real Estate Market Watch
April 16, 2013
Best Dressed Pet Does your pet love to dress up? Does Man’s Best Friend also have Man’s Best Wardrobe? Share your photos! Enter your Pet in our Facebook contest and you could win a $250 Gift Card for your favourite pet store or restaurant!
Submit your entries by May 29, 2013 Enter Online:
Enter via Email:
2. Visit www.GolfiContest.com and ‘LIKE’ our page. Follow the instructions to upload your photo.
2. Email it to admin2@golfiteam.com
1. Scan your photo.
3. Include your contact information. Only your Name, Pet Name and City will be shown.
1. Scan your photo.
3. Include your contact information. Only your Name, Pet Name and City will be shown.
* ALL entries will be posted on our Facebook site. Get your family and friends to VOTE for your Best Dressed Pet. THE MOST VOTES WINS A $250 GIFT CERTIFICATE.
www.golfiteam.com
April 16, 2013
The Golfi Team Real Estate Market Watch
Page 7
Municipal Year-to-Date Statistics March 2012 vs March 2013 P R E S E N T E D
B Y
AREA
T H E
G O L F I
T E A M
Based on sales data on all home sales from October 2011 vs October 2012, REALTORS Association of Hamilton-Burlington
YTD Comparison March. 2013 / 2012
Listed YTD
Expired YTD
Sold YTD
Average Selling Price
Average Days on Market
Selling % of List Price
ANCASTER (DISTRICT 42)
2013 2012
236 216
35 39
115 125
$456,576 $462,674
65 58
98% 98%
BURLINGTON (DIST. 30 to 36 & 38)
2013 2012
1035 1088
97 60
639 783
$473,977 $445,834
34 30
98% 99%
DUNDAS (DISTRICT 41)
2013 2012
103 105
5 16
80 97
$376,825 $358,967
53 63
98% 98%
GLANBROOK (DISTRICT 53)
2013 2012
163 139
21 22
86 73
$320,481 $337,184
75 56
98% 98%
GRIMSBY (DISTRICT 54,55)
2013 2012
128 150
17 27
84 96
$359,796 $322,846
54 57
98% 97%
HAMILTON EAST (DIST. 23,24,27,28,29)
2013 2012
249 268
27 36
185 211
$205,123 $194,133
45 54
97% 97%
HAMILTON MTN (DIST. 15,16,17,18,25,26)
2013 2012
529 564
63 77
370 419
$276,699 $260,590
44 48
98% 98%
HAMILTON CTRL (DIST. 13,14,20,21,22)
2013 2012
367 384
70 95
269 272
$171,102 $154,704
50 55
97% 97%
BEAMSVILLE (DISTRICT 981)
2013 2012
69 52
6 13
41 38
$278,591 $277,597
40 49
98% 98%
WEST LINCOLN (DISTRICT 56, 982)
2013 2012
27 32
5 3
13 13
$400,923 $331,431
76 67
97% 98%
SMITHVILLE (DISTRICT 57)
2013 2012
22 25
2 8
12 11
$221,667 $264,082
69 73
96% 98%
STONEY CREEK (DISTRICT 50,51,52)
2013 2012
320 349
44 57
177 245
$324,015 $306,933
47 51
98% 98%
Real Estate Market Moving Toward More Balanced Market
T
he REALTORS® Association of Hamilton-Burlington (RAHB) reported the average sale price for all property types in March was 10.8 per cent higher than same month last year. There were 1170 property sales processed through the RAHB Multiple Listing Service® (MLS®) in the month of March, representing a 14.3 per cent decrease in sales from the same month last year. RAHB also reported a 9.7 per cent decrease in listings compared to the same month last year. “It’s certainly a quieter spring than we’ve had for the last three years,” said RAHB CEO Ross Godsoe. “We are seeing fewer listings and sales than average.” Seasonally adjusted* sales of resi-
dential properties were 8.4 per cent lower than the same month last year, with the average sale price up 2.9 per cent for the month. Seasonally adjusted numbers of new listings were 4.2 per cent lower than the same month last year. Actual overall residential sales were 14.7 per cent lower than the previous year at the same time. Residential freehold sales were 13.7 per cent lower than last year; the condominium market saw a decline in sales of 18.5 per cent. The average sale price of freehold properties showed an increase of 10 per cent over the same month last year, while the condominium market saw an increase of 7.5 per cent when compared to the same period last year.
The average sale price is based on the total dollar volume of all residential properties sold. Average sale price information can be useful in establishing long term trends, but should not be used as an indicator that specific properties have increased or decreased in value. The average days on market increased from 40 days to 44 days in the freehold market and decreased from 44 days to 43 for condominiums. “We seem to be moving toward a more balanced market,” noted Godsoe. “That will give buyers a bit more breathing room when they are looking for a home. From what the numbers say, however, buyers won’t be looking at paying less than they would have a year ago -
only a few of our areas are showing average sale prices that have gone down. ” Residential sales were down 13.1 per cent for the first quarter of the year when compared to the same period last year, while listings were down 6.3 per cent; average sale price rose 6.9 per cent for the quarter. Every community in RAHB’s marketing area has their own localized residential market. Please refer to the accompanying chart for residential market activities in select areas of RAHB’s jurisdiction. *Seasonal adjustment removes normal seasonal variations, enabling analysis of monthly changes and fundamental trends in the data.
FREE MARKET EVALuATION Your home could be worth more than you think!
905-575-7700 Call Today 905-575-7700
Page 8
The Golfi Team Real Estate Market Watch
Rob Golfi*
April 16, 2013
Hamilton, Stoney Creek, Ancaster, Dundas & Glanbrook
BuRliNGtON $419,900 5255 Lakeshore Rd. Unit#42
hAmiltON mtN $179,900 71 East 24th Street
StONeY CReek $359,900 7 Loring Crescent
StONeY CReek $329,900 44 Olive Crescent
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.
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.
Desirable Lower Stoney Creek! Close to schools, parks and shopping, This incredible family home is clean and meticulously maintained and landscaped. Spacious rooms with modern decor! Updates include, windows and doors in 2010, roof (50yr shingles) in Oct 2012, A/C in 2010.
Flowing 4 level layout nestled quaintly on a crescent South of King in the Escarpment locale. 3 bedroom upstairs, 1 on 2nd level with separate 3pc bath. Furnace 2013.
$1588.00 per/mth P&i / O.A.C.
$680.36 per/mth P&i / O.A.C.
$1361.09 per/mth P&i / O.A.C.
$1247.64 per/mth P&i / O.A.C.
ONE R E OTH N A D SOL WAteRfORD $399,900 Mechanic Street W
hAmiltON mtN $259,900 421 Concession Street
hAmiltON CtR $147,000 120 Duke Street, Unit #601
hAmiltON eASt $799,900 865 Beach Blvd.
Residential development property. 488 ft x Irreg. in central, corner location with easy access, on paved road. Zoning allows 5 single family homes and 25 town houses or 35 townhomes. Sewer and water along Mechanic Street.
Desirable location near Juravinski Hospital. 2 Parking spaces. Basement apartment. Possible 2nd one bedrm apartment on 2nd floor. Current use of main floor is retail space. Good income generator or owner occupied business space. For sale building only. Buyer to verify use.
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!
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.
$1512.37 per/mth P&i / O.A.C.
$982.91 per/mth P&i / O.A.C.
$555.93 per/mth P&i / O.A.C.
SOLD
$3025.11 per/mth P&i / O.A.C.
ONE R E H ANOT
hAmiltON mtN $239,900 230 East 27th Street East
hAmiltON eASt $350,000 867 Beach Blvd.
StONeY CReek $1,000/mO 322 Millen Road
hAmiltON mtN $204,900 843 Queensdale Ave. East
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!
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.
3 Bedroom upper level of Family Home for Lease. Parking for 2 Cars, easy highway access. Tenants to pay 1/2 of heat and hydro. First and Last months rent required, credit check, and references.
FIRST TIME BUYERS ON THE MOUNTAIN! Well kept one floor plan with eat-in kitchen & walkout to side yard/ deck, fully fenced and side drive and a prof. finished rec room w/a gas fireplace. Updates include doors, flooring, shingles, windows & wood burning fireplace in living room.
for lease
$755.99 per/mth P&i / O.A.C.
$1323.65 per/mth P&i / O.A.C.
$907.27 per/mth P&i / O.A.C.
SOLD
ONE R E H ANOT
8 Hale Street
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.
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.
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.
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.
$616.07 per/mth P&i / O.A.C.
$1020.72 per/mth P&i / O.A.C.
$982.91per/mth P&i / O.A.C.
$892.14 per/mth P&i / O.A.C.
hAmiltON CeNtRAl $162,900 67 Kensington Ave. North
hAmiltON
$269,900
StONeY CReek $235,900 15 Spartan Ave.
SOLD
ONE R E H ANOT
GlANBROOk $385,900 1635 Glancaster Rd.
StONeY CReek $174,900 108-150 Gateshead Crescent
StONeY CReek $517,900 177 Silverlace Circle
hAmiltON mtN $692,900 113 Mountain Park Avenue
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.
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.
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.
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.
$1459.42 per/mth P&i / O.A.C.
$661.45 per/mth P&i / O.A.C.
$2068.58 per/mth P&i / O.A.C.
$2620.45 per/mth P&i / O.A.C.
www.golfiteam.com
April 16, 2013
The Golfi Team Real Estate Market Watch
Rob Golfi*
Page 9
Hamilton, Stoney Creek, Ancaster, Dundas & Glanbrook FREE HOME EVALUATION
StONeY CReek $369,900 20 Blue Mountain Drive
hAmiltON mtN $517,900 447 DiCenzo Drive
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.
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.
$1477.44 per/mth P&i / O.A.C.
$2068.58 per/mth P&i / O.A.C.
$1836.92 per/mth P&i / O.A.C.
hAmiltON CtR $269,900 107 Garfield Avenue South
hAmiltON mtN $159,900 36 Poplar Avenue
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!
$678.61 per/mth P&i / O.A.C.
$1078.02 per/mth P&i / O.A.C.
$638.67 per/mth P&i / O.A.C.
Term or Permanent Insurance??!! Which one is Best Suited for You? by Gianni Leonetti, Leonetti Consulting
W
hen shopping for life insurance you face the same decision you must make when you're in the market for a new car: lease or buy? Those aren’t the words used for insurance, of course, but the concepts of term and permanent life insurance are similar to leasing and buying. Term insurance is like leasing a car. You purchase death benefits for a specified period—usually 5, 10 or 20 years. When the period is over, it’s like turning in the leased car. The deal is done and you walk away. Permanent insurance, on the other hand, is like buying the car you plan to drive forever. Permanent insurance stays in force as long as you live. It will pay a death benefit, and it accumulates a cash value, too. The two kinds of life insurance are appropriate for different situations. Term insurance is designed for those who are interested solely in a death benefit; for example, a young father who wants insurance so that his child will be able to afford college if Dad is not around to pay the bills. There is no cash value to this kind of insurance, so often the premiums are lower than they are for permanent insurance. But as the insured gets older, the premiums increase. Permanent insurance combines a death benefit with a cash value, or savings component, which grows tax-deferred. Many policyholders borrow from the cash value to pay for things such as a college education, or convert their cash value into a retirement fund. Because of the savings component, permanent life insurance may cost more than term life, especially at the beginning. But the
premium remains fixed for the life of the policy. Many people are familiar with the saying "buy term and invest the difference," which suggests going for the lower premiums and taking care of the savings component on your own rather than counting on the insurance policy for investment growth. With recent high returns in the stock market, many investments are growing faster than cash values. Various types of permanent insurance plans, however, do give the insured the option of deciding how the savings is invested. While term insurance often starts out cheaper, permanent life offers several advantages over a term policy, financial experts say. Because premiums don’t escalate, a permanent policy is more likely to be held until death and actually pay a death benefit than is a term policy, which can get quite expensive as the insured ages. And the death benefit will pass to beneficiaries tax-free. There’s a tax advantage to permanent life, because cash values will grow at a taxdeferred rate. With no cash value, there’s no tax advantage to term life. Besides, the "invest the difference" component of that adage is often ignored. If you go with cheaper term insurance, you should make a commitment to a regular savings and investment program. Contact Leonetti Consulting at 905-690-5052 or visit our website at www.leonetticonsulting.com so we can help you determine which is best suited for you.
GOLFI
hAmiltON eASt $169,900 117 Fairfield Avenue
NO COST OR OBLIGATION
905-575-7700
hAmiltON CtR $289,900 673 King St. East 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. $1157.91 per/mth P&i / O.A.C.
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
Call Today 905-575-7700
SAVE 10%
when you mention this ad & book for 2013!
Page 10
The Golfi Team Real Estate Market Watch
April 16, 2013
Marketplace 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 16, 2013
The Golfi Team Real Estate Market Watch
Page 11
Canadian Homeowners don’t think they’ll be Mortgage-Free until Age 57
T
he average Canadian homeowner doesn’t think they’ll be mortgage-free until they’re 57 — two years longer than what they expected last year, a survey by CIBC suggests. The survey also found that half of those surveyed said other debt, from credit cards to lines of credit, have increased and impeded their ability to pay off their mortgage more quickly. “Our view would be that Canadians are taking a look at their broader finances and are working to pay down other debts first to reduce their interest costs,” said Colette Delaney, executive vice-president of mortgage, lending, insurance and deposit products at CIBC in an email. “Those with a growing amount of non-mortgage debt are less likely to be taking extra steps to pay down their mortgage, and this can lead to a longer payback period.” Of those who said they have taken on additional debt since buying a
home, only 11 per cent were able to make an extra payment on their mortgage last year. Meanwhile, 19 per cent of those who have not added to their debt loads since buying a home were able to make lump sum payments. The report released Friday also found those in British Columbia expected to be the oldest at 59 when they have paid off their mortgage, followed by those in Manitoba and Saskatchewan at 58. Elsewhere, the average expected age was 57 years old. Delaney said that the longer someone has to hold a mortgage may mean the less savings they have for retirement. “Being mortgage free sooner can help accelerate retirement savings, but carrying a mortgage into your late 50s can have the opposite effect and make it more challenging to reach your long term savings goals,” said Delaney.
Rob Golfi Sales Representative
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.
MORTGAGE ME TODAY powered by
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