March 18, 2014 Issue 90

WHAT’S INSIDE: Now What!

PAGE 5

HOMES FOR SALE Grimsby, Lincoln, West Lincoln & Niagara Listings PAGE 4

HOMES FOR SALE Hamilton, Stoney Creek, Ancaster, Dundas & Glanbrook Listings PAGE 8

March 18, 2014 - Vol 62b

WOW! Did we ever make the right decision in choosing to have Rob Golfi and his Team sell our house – it only took 14 days to sell, even in this tough weather. Rob and his Team were professional, knowledgeable and most importantly results oriented. They negotiated a fair deal for our house.

We recommend the Golfi Team and if you want your home sold fast with great results, don’t look any further. Thank you for all your efforts on our behalf.

Wayne & Virginia 42 Russet Court

Rob Golfi Sales Representative

HOME EVALUATION NO COST • NO OBLIGATION

905-575-7700 • 905-945-0188

42 Russet Court Stoney Creek

Page 2

The Golfi Team Real Estate Market Watch

About Rob Golfi

R

ob’s career in real estate began in October 1997 and putting the needs of his clients first has always been a primary principle.

Rob joined RE/MAX Escarpment January 1st 1999. As his career grew and with changing times in the marketplace, Rob realized that the team concept was the next step in order to maintain the same level of service that his clients had come to expect. Hence, “The Golfi Team” was formed, comprised of a select group of individuals who work well together and share Rob’s team philosophy.

In 2003, the team received the prestigious honour of being in the top 100 Real Estate Teams for RE/MAX Canada*. And this status continues to date*. Rob has received every major award available at RE/MAX including the Diamond Club (2010-2012)*, 100% Club (1999-2001)*, Platinum Club (2002)*, Chairmans Club (2003-2009)*, Hall of Fame (Inducted in 2003)*, and the Lifetime Achievement Award (Inducted in 2006)*, Circle of Legends (2013).* Rob’s experience and aggressive negotiating skills are key in this business. Any agent can list your house, but Rob’s knowledge and ability to negotiate constructively gives his clients peace of mind in dealing with the single most important investment in their lives.

Rob has an extensive marketing background that compliments his real estate career. He has achieved an impressive visual identity in the market place. Rob also prides himself on his ability to stay current with in the industry and to remain competitive in the marketplace. His hard work and dedication has awarded him the honour of consistently ranked in the Top 5 of nearly 2500 sales agents in the Hamilton-Burlington and Niagara Area since (2003).** Currently (2013)* Rob is ranked Number 1 in transactions sales ends in the Hamilton-Burlington and Niagara Area.

“Each client is always treated with First Class Service.” *Based on RE/MAX Ontario Atlantic Canada annual commission criteria **Based on The Real Estate Association of Hamilton-Burlington total transactions January 1, 2003 – March 31, 2013.

What CMHC’s 15% Rate Increase Means

C

anada Mortgage and Housing Corp. is raising its rates by an average 15% on May 1.

Although this is not good news for homebuyers since it will add to the cost of many purchases, the overall impact isn’t disastrous.

If you have less than 20% for a down payment, you must obtain mortgage insurance, either through CMHC or a private insurer such as Genworth Canada or Central Guaranty. The cost is typically added to your mortgage and paid over the 25 year amortized term.

The reason for mortgage insurance is that banks would likely not lend money to people who, for example, only have 5% for a down payment, unless the mortgage is insured.

CMHC essentially guarantees the loan to the bank so that if the borrower defaults and the property is sold at a loss, CMHC pays the difference. CMHC claims that they need to raise the premiums so that they have more cash in case more consumers default in the future.

For example, if you have a 5% down payment today and want to borrow $300,000, the cost of mortgage insurance is 2.75% or $8,250. You do not pay this up front. Instead, it is added on to your mortgage, so you would borrow a total of $308,250. Under the new rules, the rate would increase to 3.15%, or $9,410, so you would borrow of $309,410 to net the same $300,000.

If you took a 5 year mortgage at 3.49% interest today, your monthly payment would rise from $1,537 per month, to $1,543. This

is an increase of $6 per month.

Some say that this could now make a home unaffordable for many first time buyers. I disagree. While no one likes an increase in costs, we are still in a period of historically low interest rates. Compare this to 1990, when interest rates were 12%. The same mortgage would cost you $3,193 per month. In 2008, when the interest rate was 7%, the payment would have been $2,167 per month.

It seems that every day someone else comes out with a prediction on the future direction of house prices in Canada. For every bank economist who says that we will still see stable growth over the next few years, there are others who predict a soft landing, with perhaps a price correction of 2 to 3%. And then others predict that we are headed for a major price crash of 20% over the next 5 years. All I know is that we have seen a period of steady growth in the Canadian real estate market for the past 14 years, despite many earlier predictions of crashes. Canada remains one of the most stable places in the world to live and raise a family.

For buyers, the main message is that you do not have to rush out and buy a home to beat the May 1, 2014 date when the mortgage insurance rates go up. It is more important to just make sure you can afford the home you are interested in and that you properly inspect any home before you buy it.

Mark Weisleder is a lawyer, author and speaker to the real estate industry. You can contact Mark at mark@markweisleder.com

March 18, 2014

How to Guarantee Your Income for Life

I

f you like the feeling of knowing that your money is well invested and well protected then Segregated Funds with the growth potential of a mutual fund and the security of principal guarantees may be what you need.

What is a Segregated Fund?

A segregated fund is a type of investment fund available through a life insurance company. Companies keep these funds separate (or “segregated”) from the general assets of the company so only investors in the funds have access to their value.

Why purchase a Segregated Fund?

When you invest in a segregated fund contract you combine the growth potential of investment funds with certain guarantees and benefits of a contract with a life insurance company.

Those benefits include: - Guarantees that can help protect your investments - Guaranteed death benefits - Potential creditor protection - The right to designate a beneficiary - Tax and estate planning advantages (no probate) - An option that lets you reset your guarantee How to Obtain a Paycheque for Life You can also guarantee your income for life with the lifetime guarantee benefit option.

Lifetime Income Benefit Option The Lifetime Income Benefit Option helps you manage risks in retirement and protect your savings.

The lifetime income benefit can help you provide predictable, guaranteed income for life, beginning as early as age 50 and the potential for increasing income.

Longevity Risk Retirement planning considers the risk that you or your spouse might outlive your assets. The lifetime income benefit can help provide predictable, guaranteed income, no matter how long you or your spouse lives. Jointlife income can help protect couples from the risk of reduced income when a spouse dies.

Market Return Risk As you plan for retirement you may question what happens if you experience poor market returns early in retirement. Industry experts consider the five years before and the five years after retirement an especially critical phase for your retirement savings.

This 10-year period is often referred to as the retirement risk zone, because short-term losses in the years leading up to retirement have a limited time to recover before you begin to rely on them for income. The shorter the recovery period before and after your retirement date, the greater the negative affect these losses have on your ability to sustain income for life.

The lifetime income benefit helps you get through the retirement risk zone by guaranteeing the starting value on which your lifetime income amount will be based. You can

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increase your income amount through bonuses earned in every year you defer making a withdrawal prior to taking an income.

Take Control of Your Income The lifetime income benefit puts you in control of your retirement savings and income by guaranteeing your income for life. Your income won’t decrease, regardless of how the segregated funds perform, which provides you with the protection against the risks of longevity, inflation and market returns and volatility.

Is it Right for You? The lifetime income benefit is just one component of a well-diversified retirement income portfolio. It’s most appropriate for people getting ready to retire and retirees looking for secure, predictable, guaranteed income. You and your spouse, if applicable must be age 50 and under age 91 to add the lifetime income benefit to a segregated fund policy. By selecting joint-life income, you and your spouse can receive guaranteed income for life.

Guarantee your income for life For years your focus has been to save for retirement. Now you need innovative solutions to help you transition your hard-earned savings into income that will last your lifetime.

The lifetime income benefit option provides predictable, guaranteed income for life, starting as early as age 50, unlike other policies that don’t start distributing income until age 65.

The lifetime income amount is based on your age or the age of the youngest spouse if you select joint-life income.

This makes your eligible for higher income payments as you get older.

Annual Deferral Bonus With the lifetime income benefit, you are eligible to earn a three percent deferral bonus every year until you make a withdrawal. If you don’t need to take an income right away, the deferral bonus can help you grow your lifetime income amount even when markets are down.

Deferral Bonuses Can Add Up You can increase your income amount by bonuses earned in every year you defer making a withdrawal before you start taking an income.

Bonuses increase the lifetime income withdrawal base, which helps determine the lifetime income amount available to you.

For Example If you contribute a premium of $200,000 to your policy and defer income for 10 years, your lifetime income withdrawal base will have a minimum value of $260,000 because of deferral bonuses.

A powerful combination By combining a segregated fund policy with the lifetime income benefit you can have an income for life as well as an investment portfolio to suit your needs.

For more information, please contact Jim Powell, Financial Security Advisor with Freedom 55 Financial, London Life and Quadrus Investment Services. Jim.powell@f55f.com

Page 4

The Golfi Team Real Estate Market Watch

March 18, 2014

Grimsby, Lincoln West Lincoln & Niagara

Rob Golfi*

WATERFRONT

GRImsBy

$309,900

5.5 ACRES

GRImsBy

$885,000

BeAmsvILLe

$489,900

12 Vintners Lane

143 Lake Street

4460 Lincoln Road

RARE FIND. Elegant freehold adult lifestyle 2 bedroom bungalow in upscale area with fabulous views of the Escarpment. Features main floor laundry, gorgeous hardwood floors, large kitchen, open floor plan, ensuite bath off of master bedroom, no condo fees, 3 pc rough-in-bath in unspoiled basement. Shows like a dream!

FABULOUS FIND – Exclusive listing to the Golfi Team.

Beautiful Waterfront lot sitting on 140 x 183 ft. lot on private culde-sac, build your dream home on the shores of lake Ontario, services include sewers, water and gas to lot line.

DUPLEX ON 5 ACRES – 5 bedrm home with with separate gas and hydro meters connected to sewers, features large barn, fantastic sandy soil, near urban area, shingles and furnace 2004, fantastic income potential.

$3,535 per/mth P&I / O.A.C.

$1,238 per/mth P&I / O.A.C.

West LINCOLN

$284,900

GRImsBy

$449,900

$1957 per/mth P&I / O.A.C.

GRImsBy

$399,900

1786 Victoria Ave.

13 Redwood Drive

225 Hysert Road

Lovely treed property. Home complete with 4 bedrooms, 2 full baths, vaulted ceiling in family room, main floor master bed and office. Walk-out from basement and separate garage.

Remarkable 1950 sq.ft. 3 bedrm quality built Reimer home w/unique design, cathedral beamed ceilings, open concept & more. Updates incl: roof 2012, bathrms, granite kitchen floor, entry doors, drywall, panel, pot lighting, flooring, built in closets, interior doors, garage door, decks & more.

GET OUT OF TOWN! 4 bedroom home sitting on 1.36 acres of quietness, features hardwood floors, updated bathrooms, updated fascia, eaves and siding, freshly painted, clean neat and tidy, 30x17 ft. barn/work shop, and 3500 gal cistern. Close to town but far enough to enjoy country living.

$1138 per/mth P&I / O.A.C.

BINBROOK

$449,900

$1797 per/mth P&I / O.A.C.

GRImsBy

$209,900

$1597 per/mth P&I / O.A.C.

GRImsBy

$549,900

260 Binbrook Road

#23, 130 Livingston Avenue

34 Baker Rd. S.

Half acre country lot backing onto greenspace. Features 3 bedroom, 4 level side split. Attached double car garage, hardwood floors, cozy family room with large windows, private back yard with beautiful farm views. Quick access to all amenities.

AFFORDABLE & ADORABLE – Cute 3+1 bedroom townhouse end unit. Walking distance to downtown. Many upgrades in complex including windows, shingles (2012), furnace (2011) & central air.

Sprawling 3+1 bedroom, 1-1/2 storey home with main floor master bedroom. Sitting on large lot in fantastic neighbourhood.

Beautiful hardwood floors, showcase fireplace in family room.

Partially finished basement, fenced yard. Available for immediate occupancy.

$1797 per/mth P&I / O.A.C.

GRImsBy

$324,900

$838 per/mth P&I / O.A.C.

JORdAN

$549,900

$2,196 per/mth P&I / O.A.C.

GRImsBy

$349,900

541 Winston Rd., Unit #56

3662 Glen Rd.

5 Pleasant Grove Terrace

WATERFRONT VIEW – Freehold 3 bedrm end unit in fantastic condition, features 1400 sq.ft. of luxury w/unobstructed view of lake, beautiful hardwd & Berber carpet flooring, stylish kitchen w/quartz counter top and glass back splash, quick access to QEW, $71.89/mo. road fee.

RARE FIND! Sprawling bungalow sitting on half acre ravine lot.

3+1 BR, large finished basement, landscaped yard w/treed ravine backdrop, great family home w/large addition to the rear, custom oak finishes w/large dining & Florida room overlooking the backyard. These kind of properties rarely come up for sale!

Impressive 4 level brick backsplit in great escarpment neighbourhood, features 3 bedrooms, 2 full bathrooms, large family room with gas fireplace, shingles and furnace replaced in 2009 and fenced yard. All levels finished. Just move right into this very clean and well maintained home!

$1298 per/mth P&I / O.A.C.

$2,196 per/mth P&I / O.A.C.

www. GolfiTeam .com

$1398 per/mth P&I / O.A.C.

March 18, 2014

The Golfi Team Real Estate Market Watch

Page 5

Grimsby, Lincoln West Lincoln & Niagara

Rob Golfi* POSSIBLE SEVERANCE

smIthvILLe

48 ACRES

$448,000

JORdAN vILLAGe

$799,900

GRImsBy

$519,900

7 Wade Road

3792 Main Street

334 Mud Street West

Oversized lot that can possibly be severed for a corner building lot or build a garage. Buyer to verify zoning regulations. 4 level side split in a prime location on quiet dead end street. 3+2 bedrooms, in-ground pool, walk up from basement, double garage, & large driveway. Updated kitchen, windows, hardwood floors, and roof.

INCREDIBLE! Two and a half storey, four bedroom, all brick home, built in early 1920’s in historic Jordan Village. Features coffered ceilings, leaded glass windows, hardwood floors. Zoned residential/commercial. Sitting on large 86 x 165 foot lot.

48 ACRE HOBBY FARM - minutes to town & QEW, features 2 storey with 3 bedrooms and 2.5 baths, hardwood floors on main level, spacious family room with wood burning fireplace, main floor laundry, partially finished basement, 26x48 ft. out-building with hydro, & 5 acres of bush.

$3,195 per/mth P&I / O.A.C.

$1,789 per/mth P&I / O.A.C.

$2077 per/mth P&I / O.A.C.

FREE Home Evaluation smIthvILLe

$410,000

GRImsBy

$379,900

55 Las Road

73 Palmer Road

Large 2750 sq.ft. 4 bedroom family home located on a quiet street in the prestigious Station Meadows. Features include hardwood flooring on both levels, large dining room, eat in kitchen, family room w/gas fireplace, unfinished basement, main floor laundry, formal living room, & much more.

Outstanding and immaculate bungalow in fantastic Lakeside neighbourhood, features gorgeous hardwd flrs throughout, trendy eat-in kitchen open to family room w/showcase gas fireplace, ensuite bath in master bedroom, main floor laundry and sliding doors leading to private, professionally landscaped yard.

$1,638 per/mth P&I / O.A.C.

Get your home sold Fast!

$1,438 per/mth P&I / O.A.C.

905.945.0188

Now What!

Y

ou’ve found the perfect new home for your family but there are some real problems with the house. The previous owners smoked cigarettes in the home, or had pets that left a bad smell, or worse, had cats that didn’t use the litter box, or left strong cooking odours behind.

Or perhaps even worse than all of those issues, mould was found in the home when you were doing the home inspection.

Or, you are about to put your home on the market. Your Realtor is telling you that unless you clean up some of these issues, you will lose between 10%-20% of the property’s value and it will take much longer to sell. What do you do?

Up until now your options were very

limited and there was very little possibility of a permanent solution.

Recently, David Puddy from BioSweep Canada, came into my office and explained to me what BioSweep can do to help out in these situations. They have an environmentally ‘green’ treatment process that completely eradicates surface and air quality contamination. So any organic odour that is in a home can be removed through BioSweep’s treatment. The treatment can take as little as 6-10 hours and is completely environmentally safe. You don’t need to remove the contents of the home or typically do a whole lot of preparation work, depending on the severity of the issue.

David first came across BioSweep when he was a Realtor and had a listing

that had many issues. The home had been heavily smoked in for over 10 years, had cats that had been allowed to run loose, and unfortunately, the owner had passed away in the home. It had a very major odour problem and sold for well below market value.

The new owner planned to go in and remove all of the drywall, replace the ceilings and some of the flooring, and expected to have to replace all of the insulation as well. It would have taken him months of working every evening and weekend, and cost him tens of thousands of dollars in materials alone. David introduced him to BioSweep’s services and as he had nothing to lose, the owner decided to give it a try.

While the owner was at work one day, BioSweep went in and treated the house for 7 hours. The owner came home about 5:30 and found, in his words, that the house was ‘completely neutral’. He did not need to do any of the planned renovations. All he had to do was wash the surfaces with TSP, put a good primer on the walls, and paint! Now, over a year later, none of the original odours have returned and the owners saved close to $30,000 worth of repairs and got to enjoy their new home, instead of spending months making it liveable.

This result is typical and is fully guaranteed to the clients satisfaction.

The treatment process is called Advanced Photocatalytic Oxidation and it is a 5 step unparalleled process. It is an

Call Today 905-945-0188

environmentally friendly and safe system Other benefits for people using BioSweep’s services would be 1) Families that have members that have allergies or sensitivity to mould. Some clients have them come in once a year to make sure that the home is safe for their children with ‘environmental’ challenges.

2) They can also go into a new home and remove the ‘new home’ smell that is caused by VOC's in the carpeting, wood glue, and varnishes that may cause problems for family members.

3) Eradication of mould in attics, bathrooms, basements, etc. - the source of the problem must be solved so that it doesn’t re-occur 4) Clean up of grow houses and meth labs including the procurement of final air quality tests to satisfy health standards Now it’s nice to know that now there is a great option, whether you want to sell your property for the highest possible value, or if you have found the perfect home for your family that has ‘odour’ issues.

You can contact David Puddy at BioSweep Canada by calling the Golfi Team office or directly at dpuddy@biosweep.ca or 1-888-426-0147 x 41 or visit the website at www.biosweep.ca

Page 6

The Golfi Team Real Estate Market Watch

March 18, 2014

Municipal Year-to-Date Statistics February 2013 vs February 2014 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 February 2013 vs February 2014, REALTORS® Association of Hamilton-Burlington

YTD Comparison Feb 2014 / 2013

Listed YTD

Expired YTD

Sold YTD

Average Selling Price

Average Days on Market

Selling % of List Price

ANCASTER (DISTRICT 42)

2014 2013

67 69

9 18

41 41

$494,611 $437,105

63 71

98% 98%

BURLINGTON (DIST. 30 to 36 & 38)

2014 2013

278 308

23 34

199 216

$481,705 $452,647

31 37

99% 98%

DUNDAS (DISTRICT 41)

2014 2013

26 37

2 1

18 30

$351,722 $402,803

32 37

99% 99%

GLANBROOK (DISTRICT 53)

2014 2013

56 46

12 4

31 25

$356,192 $323,698

61 47

98% 98%

GRIMSBY (DISTRICT 54,55)

2014 2013

43 39

6 5

26 21

$375,573 $409,524

47 75

98% 97%

HAMILTON EAST (DIST. 23,24,27,28,29)

2014 2013

68 59

7 9

52 59

$213,144 $201,923

39 51

97% 96%

HAMILTON WEST (DIST. 10, 11, 12)

2014 2013

67 64

5 2

56 42

$333,067 $318,782

39 35

99% 98%

HAMILTON MTN (DIST. 15,16,17,18,25,26)

2014 2013

144 160

16 23

110 131

$308,591 $276,947

37 50

99% 97%

HAMILTON CTRL (DIST. 13,14,20,21,22)

2014 2013

79 117

11 24

72 83

$188,338 $170,285

52 46

98% 97%

BEAMSVILLE (DISTRICT 981)

2014 2013

16 14

5 3

17 12

$340,566 $263,483

54 41

98% 97%

WEST LINCOLN (DISTRICT 56, 982)

2014 2013

7 11

4 0

3 2

$333,500 $286,500

27 174

97% 93%

SMITHVILLE (DISTRICT 57)

2014 2013

11 6

0 1

7 3

$258,071 $243,000

75 32

96% 98%

STONEY CREEK (DISTRICT 50,51,52)

2014 2013

104 91

11 6

61 68

$351,812 $326,372

45 51

98% 98%

Keep Your Emotions in Check when Negotiating

Y

ou’ve found the house of your dreams and now you’re madly in love and just got to have it.

Or perhaps you’re selling your home and an offer comes in so ridiculously low that you’re not only angry but insulted.

Here’s a piece of advice that may be difficult to follow: Don’t let your emotions get the best of you. Easier said than done, right? When we are talking about negotiating a deal on the biggest purchase or sale of your life, keeping your emotions in check can be nearly impossible.

And that’s one big reason why the world still needs professional realtors. Their experience in the arena of negotiations is tested just about every day.

Look at a real estate agent as the punching bag that takes all the blows when negotiating on a property. As the buyer, let’s say you you’ve found the lay-

out and location of your dreams but you have nothing but contempt for the way the home is decorated. Your agent is the best person to deliver that message and hopefully negotiate you a price reduction.

He or she will do so as diplomatically as they’ve done many times before.

Left up to you and the seller, there is plenty of room for negotiations to run afoul. Imagine trying to negotiate a price cut on someone’s home because you hate the paint colour and 1970’s décor. How do you argue your point tactfully and forcefully without insulting their taste?

How do you tell them their sense of style stinks?

While some argue that direct negotiations between buyer and seller are best without the guidance of a realtor, there are simply far too many things that can go wrong especially when emotions are at

play.

We’ve all agreed, then, that emotions can put you in a veritable roller coaster of ups, downs and in-betweens. And while life would probably not be worth living without them, it’s important to learn to keep your emotions in check while buying and selling a house. Here’s how: Glom on early – Be aware of your feelings and thoughts before they get away from you. Don’t let your emotions overwhelm you so that you do and say things you’ll regret or more importantly that will sour the deal.

Bring on the sunshine – If you go into talks feeling low or negative this will likely colour the mood. Getting the other party to concede when you’ve said something negative or offensive can be especially difficult. Being positive generates more honey. It’s a simple fact of life.

As the boy scouts say, be prepared – This helps you focus. Try to zero in on what stresses you out and come up with a plan to avoid feeling that way.

Be honest – When you lie or fudge things your world becomes complicated and fuzzy, making negotiations more difficult and stressful. That’s something no one needs.

Distance Yourself – Try to picture your role in the negotiations as a third party might. So pretend you’re looking at yourself instead of getting swept away in the moment. This allows you to be more objective and clear headed in your negotiations and that’s always a good thing.

Crossword Solution

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www.GolfiTeam.com Call Today 905-575-7700

March 18, 2014

The Golfi Team Real Estate Market Watch

Page 7

Rob Golfi

Visit www.GolfiTeam.com Check out our Blog for the latest information in Real Estate

Crossword Puzzle (Solution on Page 6)

Sales Representative

905-575-7700 Seniors Real Estate Specialist is a designation for REALTORSÂŽ to address the needs of home buyers and sellers, age 50-plus. If you are buying or selling a home, contact Rob Golfi today.

SUDOKU 8

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Formal discussion (6) Cowardly (7) Same here! (2,3) Prospect (7) Short uniform coat (5) Spread (anag) (6) Troubled (9) Mathematical proposition (7) Apparel (7) Landed property (6) Summon by sign (6) Scottish (or Irish) twerp (5) Ransack (5)

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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.

Page 8

The Golfi Team Real Estate Market Watch

Rob Golfi*

March 18, 2014

Hamilton, Stoney Creek Ancaster, Dundas & Glanbrook DUPLEX

hAmILtON eAst

$449,900

hAmILtON CtR

$179,900

stONey CReeK

$209,900

327 Webster Road

29 Gertrude St.

151 Gateshead Cr.

IMMACULATE best describes this awesome 4+1 bedrm, 2200 sq.ft., all brick home on premium lot. Hardwood floors mostly throughout, kitchen with granite counters and breakfast bar, oak staircase, finished basement with bedroom and full bathroom.

DUPLEX – GOOD RENTAL PROPERTY! No maintenance required on this beautifully renovated & updated 4 bedroom home.

Updated from top to bottom in 2011 including shingles, windows, wiring, plumbing, kitchen & baths. Large fully fenced yard and fantastic income!

OPEN CONCEPT SHOWS 10++! Huge updated eat-in kitchen, patio doors w/California shutters leading to backyard oasis.

Gorgeous updated 4 piece bath, new furnace and Central air in 2010. Rec room and big bedroom or playroom in lower level.

Carpet on stairs only!

$1797 per/mth P&I / O.A.C.

stONey CReeK

$329,900

$719 per/mth P&I / O.A.C.

hAmILtON eAst

$149,900

$838 per/mth P&I / O.A.C.

hAmILtON West

$479,900

18 Dartmouth Gate

32 Allan Ave.

72 Sanders Blvd.

Beautifully finished freehold townhome with a desirable layout.

Former model home includes upgraded kitchen, granite, oak staircase, decorative stone wall and much more. Large master suite on its own private level includes oversized walk in closet & beautiful ensuite. Shows beautifully! Must be seen!

FINDERS KEEPERS LOSERS WEEPERS! Move into this updated bungalow in East Hamilton close to all amenities.

Shingles, flooring, bathroom & kitchen have all been updated (2012). Fenced in yard with large 19’ x 13’ deck.

Walking distance to McMaster! 7 Good sized bedrms, 2 bathrms, lrg eat in kitch, separate side entrance to in-law suite. Home currently rented til May 2014 for $3,095/month, tenants willing to stay. Updates include new furnace & A/C units 2010, wired smoke alarms.

$599 per/mth P&I / O.A.C.

$1318 per/mth P&I / O.A.C.

$1917 per/mth P&I / O.A.C.

WATERFRONT

stONey CReeK

$589,900

hAmILtON mtN

$299,900

hAmILtON CtR

$179,900

90 Seabreeze Cres.

373 Mohawk Rd. W.

184 McAnulty Blvd.

WATERFRONT RETREAT 1900 sq.ft, 1-1/2 storey home with beautiful lake views. Features 4 bedrooms, 2-1/2 baths, vaulted ceilings, oak spiral staircase, professionally landscape yards. Call for a private viewing today!

3+1 BR w/full in-law set up mins to Mohawk College. Main flr completely re-done, new stylish kitch, sparkling 4pc bath & hardwds throughout. Dble car garage w/hydro & wood stove, fenced yard w/in ground pool. Basement features separate entrance. 1 BR in-law w/kitch & living rm. Does not disappoint!

CONVENIENT LOCATION! One floor plan located behind Centre mall, huge lot, paved parking for 10-13 cars. Three nice sheds with hydro and phone. East highway access and walk to the new super Centre mall. Fully fenced yard, updated windows, furnace, Central air and shingles.

$2233 per/mth P&I / O.A.C.

$1198 per/mth P&I / O.A.C.

$681 per/mth P&I / O.A.C.

3 ACRES

hAmILtON mtN

$259,900

stONey CReeK

$549,900

hAmILtON eAst

$249,900

2 Tanager Court

124 Second Road East

146 Glencarry Ave.

BIRDLAND LOCATION ROCKS !! One storey corner lot w/large fenced in backyard, Hardwood floors, huge eat in kitch, and big 4 car driveway! Side door entrance to basement, with 3pc bath makes for a potential in-law suite. New windows ‘06, new shingles, and garden shed w/new roof ’06.

Just under 3 acres 4+1 bedroom, 2 storey home. Reno’d 7 years ago to include an open concept main floor w/ large dining room for entertaining. Upstairs feat large bedrooms & 2 full baths. In-law w/separate entrance. 3 car heated garage (woodstove) for all the toys.

FABULOUS FIND - Outstanding & immaculate move in ready 2+1 bedroom bungalow in Glenview area features all new flooring, beautiful oak kitchen cabinets, updated bathrooms, professionally finished basement, detached 1.5 car garage, great location with easy access to Link, shopping, buses, schools.

$1038 per/mth P&I / O.A.C.

$2081 per/mth P&I / O.A.C.

www. GolfiTeam .com

$998 per/mth P&I / O.A.C.

March 18, 2014

The Golfi Team Real Estate Market Watch

Page 9

Hamilton, Stoney Creek Ancaster, Dundas & Glanbrook

Rob Golfi* WATERFRONT

hAmILtON eAst

$615,500

stONey CReeK

$399,900

hAmILtON eAst

$307,900

207 Beach Blvd.

723 Ridge Road

9 Grafton Ave.

LAKESIDE LIVING AT IT`S FINEST! Beautiful 3 bedroom, 2 full-bath home with gorgeous lake view. Features 1 bedroom apt in basement with outside entrance. Big dbl car garage with workshop and a 17x17 carport in the rear. Home is nicely renovated with huge windows on Lakeside and amazing eat-in kitchen.

BEAUTIFUL ESCAPRMENT VIEWS! Prime location on Ridge Road, close to all amenities. This property has a home suitable for renting or building your dream home. Buyer to satisfy themselves with building permits & costs.

BEACH LIFE AWAITS, LOCATION ROCKS!! Gorgeous 4 bedroom, 2 bath home with charming updated kitchen, furnace, C/A, windows, deck, insulation in attic, shingles and front door.

Recent landscaping and shed in the backyard oasis. House shows 10++. Move in and enjoy Lake Ontario & walking trails.

$2458 per/mth P&I / O.A.C.

stONey CReeK

$559,900

$1597 per/mth P&I / O.A.C.

hAmILtON eAst

$117,900

$1230 per/mth P&I / O.A.C.

hAmILtON mtN

$209,900

43 Islandview Way

95 Hope Avenue

130 East 23rd St.

Prestigious Lakepointe location, steps to Fifty Point Conservation & Marina. This 4 BR home has loads of updates including baths, frt door, hardwd flrs, refinished hardwd, ldry rm, ceramics, marble tiling, exposed aggregate driveway, steps & walkway, new concrete dog run, new landscaping & more.

Cute one floor plan, and same owners for 24 years!! Front concrete drive, nice fenced in backyard w/sliding doors from kitchen, new windows and doors. Great location, close to new Centre Mall and parks.

PRIME MOUNTAIN LOCATION! Updated bungalow w/detached garage & two car parking features kitchen w/walk out to private fenced yard, big front porch, corner lot w/ parking off of Queensdale & a good size rec room. Many updates done over the years including shingles in 2011. Shows nice!

$2,196 per/mth P&I / O.A.C.

stONey CReeK

$471 per/mth P&I / O.A.C.

$639,900

1489 / #8 Hwy 1 2

Outstanding & immaculate custom built 1760 sq.ft. all brick bungalow sitting on one acre with 3 car garage, featuring beautiful hardwood through-out, stylish kitchen with granite counter tops, main floor laundry, partially finished basement with 3pc bath & rough in for kitchen. $2,556 per/mth P&I / O.A.C.

WATERFRONT

stONey CReeK

$1,769,900

9 Lochside Drive ONE ACRE WATERFRONT ESTATE – Features Luxury 4400 sq.ft. custom built bungalow with a private rare beach frontage and riparian rights, finished top to bottom with in-law suite, 9’ ceilings, 3 tier patio off sun-room, loft to roof top patio, main floor den, and floor to ceiling windows. Shows like a dream! $7,069 per/mth P&I / O.A.C.

Call Today 905-575-7700

$838 per/mth P&I / O.A.C.

Page 10

The Golfi Team Real Estate Market Watch

March 18, 2014

Marketplace Clutter Removal & Organizing

Senior Downsizing

We Guide You Through The Entire Process

WE GUIDE YOU THROUGH THE ENTIRE PROCESS

Pamela Culp Blanchard Cell: 905-971-9568 www.beclutterfree.ca

Pamela Culp Blanchard Cell: 905-971-9568 www.seniordownsizing.ca

Real estate Lawyer

Paul Lewis settimi

Barrister, Solicitor and Notary Public

Jacqueline Paradisi

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

HOME STAGING

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

paul.settimi@cogeco.net

Male & Female age 45 non-smoker $250,000 each.

Comparison to Bank Mortgage Life Insurance.

Life insurance brokers for over 20 life insurance companies.

905-928-9870

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.

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Imagine having nothing to eat.

Over the last 2 years, the Golfi Team proudly helped raise over 5680 lbs of food for local food bank.

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Buying a home through us?

Please donate to your local food bank – it’s the neighbourly thing to do.

provides “Peace of Mind�

www. GolfiTeam .com

BUY OR SELL A HOME WITH IN 2014 TO WIN ONE OF TWO PRIZES

WIN!

*Vehicle ma *Vehicle mayy not be eexactly xactly as sho wn. shown.

A one year lease on a 2014 KIA SOUL* or a $5,000 TRAVEL VOUCHER** to a destination of your CHOICE!

**Trip **T rip includes $5,000 budget and eexcludes xcludes all tax taxes es

SOUL Courtesy Kia of Hamilton

To enter contest go to

www.GOLFI GOLFICONTEST CONTEST.com/ .com/KiaofHamilton KiaofHamilton

664 FFennell ennell Ave. Ave. E., H Hamilton, amilton, Ontario L8V 1V1 Grimsby: Hamilton: 905.575.7700 | Grimsb y: 905.945.0188 Toll Free: T oll Fr ee: 1.800.288.9184 | Fax: 905.575.1962

Kia of Hamilton 1885 Upper James St., Hamilton Ontario L9B 1K8 Dealership: 905.547.7726 | Sales: 1.877.432.7294

www.robgolfi.com

www.kiaofhamilton.com

*Some retrictions apply. See contest rules at ww www.golficontest.com/kiaofhamilton w.golficontest.com/kiaofhamilton for details.

Executive

From

HST included

$274,900

Freehold Towns in Beamsville FINAL PHASE

• Our standards are most bulders’ Upgrades Towns with Stylish Towns with Stylish • Luxury Ensuites 9 ft. ceilings & double car garages, backing onto a pond and greenspace! • Spacious 1,880 sq ft • Designer Kitchens

QEW

EXIT

64

SOUTH SERVICE RD.

CASANDRA DRIVE SALES OFFICE

GREEN SPACE

DON’T MISS THE SAVINGS! REGISTER ON-LINE www.homesbycambridge.ca

SITE HOURS: Tues, Thurs 1-5pm Sat-Sun, 1-5pm Friday by appointment

905-945-0188

QEW