September 1, 2013 Issue 78

WHAT’S INSIDE: What your Home Insurance Won’t Cover PAGE 3

HOMES FOR SALE Grimsby, Lincoln, West Lincoln & Niagara Listings PAGE 5

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

September 3, 2013 - Vol 56a

Rob Golfi Sales Representative

12 Deborah Court Hamilton

HOME EVALUATION NO COST • NO OBLIGATION

905-575-7700 • 905-945-0188

Page 2

The Golfi Team Real Estate Market Watch

About Rob Golfi

S

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

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 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)*. 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 10 of nearly 2,500 sales agents in the Hamilton-Burlington and Niagara areas**, listing with Rob and the Golfi Team is the right choice when choosing someone to represent your best interest. *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.

September 3, 2013

How to take Title on a Purchase Types of Ownership

I

n Ontario (aside from sole ownership) there are four basic ways for two or more individuals to own real estate.

Each person involved in ownership in the transaction should obtain his or her own independent legal advice as to method of ownership and potential liability as an owner.

JOINT TENANTS: Under this type of ownership, each owner owns equally. Joint Tenancy typically means that, should a purchaser become deceased, the remaining purchaser(s) on title will inherit the deceased's interest in the property. Where one of the "joint tenants" dies, the surviving joint tenant(s) usually automatically becomes the owner(s) of the property no matter what a will might state. This is the manner of holding title most commonly used by spouses.

TENANTS IN COMMON: Under this type of ownership each owner’s share can be different (e.g. John owns 90% and Jim owns 10%). Tenancy in Common means that should a purchaser become deceased, that deceased person's interest in the real estate will be transferred according to that person's will or, if no will exists, according to the Law of Ontario (if the real estate is in Ontario).

IN TRUST: A trust situation should be discussed with a lawyer. It generally signifies that the person who is registered on title in the Ontario Land Registry Office is not the true, or beneficial, owner. e.g. 'JOHN SMITH, IN TRUST" It does not usually indicate (but it can) on the face of the document who is, in fact, the real owner (the beneficial owner).

PARTNERSHIP AGREEMENT: If more than one person will be shown on title as owner and, if only one person is providing all (or a substantial portion) of the funds needed for the purchase, you may wish to consider entering into a special partnership agreement to avoid any future misunderstanding with respect to distribution of proceeds upon a resale of the property. Should you wish such an agreement to be prepared for signature when you sign final closing documents, please inform this office. Our fee for such a typical agreement is $50.00.

One of the features of such an agreement is to return to each purchaser whatever cash was originally contributed by each purchaser at the time of completing the transaction as well as any additional contributions made to improving the property during the period of ownership (such as, new roof, finishing basement, remodelling kitchen, new floorings, addition to house, etc.). Other features of the agreement deal with distribution of the balance of proceeds once the property is eventually resold and what happens if one partner wishes to sell and the other partner does not. Each partner should consider obtaining independent legal advice PRIOR TO entering into a partnership agreement.

Stephen H. Shub Professional Corporation, Barrister, Solicitor, Notary, 8 Toronto Area Law Offices Providing Legal Services in ONLY Residential Real Estate, Title Insurance, Wills, Notary Services Email: quote@homelegalcost.com www.homelegalcost.com

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September 3, 2013

The Golfi Team Real Estate Market Watch

Page 3

What your Home Insurance Won’t Cover Sellers are better off disclosing any damage to their home; buyers — talk to the neighbours before you commit.

I

f you’re selling your home and the buyer asks whether you’ve had a fire or there has been other damage to the house, just tell them and avoid trouble later.

In an unusual case revolving around this principle, Zahid Shah, a Brampton man who was sued by the buyers of his home for withholding that information, hoped his insurance company would help him pay to defend the suit.

Shah was planning to rely on a clause in most home insurance policies that says the insurer will pay if a court finds the policyholder must pay damages because of unintentional injury to a person or to the property.

George and Francesca Chrysanthis offered to buy the Brampton house from Shah in the spring of 2010. They noticed black marks on a door hinge and were worried there had been a fire. This was important to them because Mrs. Chrysanthis had respiratory difficulties.

They asked their real estate agent to find out. The agent spoke to Shah’s real estate agent and was told there had never been a fire or smoke damage to the home.

The Chrysanthis’s moved in on June 26, 2010. Shortly after, neighbours told them there had been a kitchen fire and

Shah had received a cash settlement to fix the damage. The Chrysanthis’s sued Shah, the real estate agents and the home inspector for their failure to find out about the damage.

Shah asked his home insurance company to defend them, claiming that he had not understood the questions that had been asked by their agent. Since he misunderstood the questions, he argued, he should be covered since he had made a mistake.

The judge disagreed. In a decision dated March 18, 2013, Justice Deena Baltman found that since all of the allegations against Shah were based on fraudulent misrepresentations, they were not covered by the policy. The claims were not only about lying, but that the sellers also actively concealed the fire damage so that it would not be noticed by the buyers, agents and home inspectors.

“There is no plausible way to categorize the claim here as anything other than deceit,” she said.

In other cases, where it is claimed that the seller was careless in making statements about their home and the buyer suffered a loss later, the insurance company was required to defend them.

For example, in the case of Aitken vs. Unifun Assurance, when a seller was careless and failed to properly disclose such things as a leaky roof and basement and bad wiring, the court held that the seller’s insurance policy had to defend the claim based on the damages suffered

When selling your house, it's best to report any incidents, such as kitchen fires, that may have caused damage to your home. by the buyer. mine whether there has been an insurance In the case of Shah and the claim made against a home by a prior Chrysanthis’s a judge will eventually owner, including claims for fire, water decide who pays for the loss. damage or sewage backup.

These cases also illustrate the imporMake sure you get legal advice tance of speaking to the neighbours before deciding to ask your insurance whenever you are interested in buying a company to defend you on a lawsuit. home. Neighbours will often tell you Better still, tell the truth about your propthings that sellers either forget or delibererty and avoid aggravation later. ately refuse to talk about, whether it is major repairs, floods or prior damage.

Mark Weisleder is a Toronto real You can now use services such as estate lawyer. Contact him at Homeverified.ca or Iverify.com to determark@markweisleder.com

FREE HOME EVALUATION

Your home could be worth more than you think!

Call the GOLFI TEAM 905-575-7700 • 905-945-0188

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

Outstanding Team. Exceptional Results Call Today 905-575-7700

Dan Golfi

Sales Representative

Jeff Golfi

Sales Representative

Page 4

The Golfi Team Real Estate Market Watch

September 3, 2013

Italian Ice Cream...A Niagara Falls Tradition

F

or so many reasons, Niagara Falls is the epitome of tourism. Vibrant both day and night, it offers an unrivaled panorama that attracts people from all over the world. Stimulating activities for young and the young at heart will satisfy the thrill seeker, chance taker, people watcher, and the connoisseur.

Just up the street from all that glitters, rattles and rolls, a family owned Niagara Falls tradition that defies all that is typically tourist and goes straight to what every generation calls near and dear to the heart: Ice Cream.

Italian Ice Cream, located at 5488 Victoria Avenue, has become a tradition for many visitors and locals alike. For the past 20 years, owner Andrew Vergalito has been

creating delicious treats in the style and manner his father and mother did when they first opened Italian Ice Cream, in this very same location, in 1978. Pure natural ingredients and made on the premises.

Italian Ice Cream, also known as Gelato, is a healthier choice over regular North American Ice Cream. It offers a more natural base, made with less air - not as whipped as regular ice cream, and is usually made with milk rather than cream making it less fattening. Italian Ice Cream boasts 24 custom flavours, most popular being the nondairy options, water based Gelato. Fruit ice like lemon raspberry, mango and others, positively fat free and delicious. For the extreme

choco‘holic’, there is a ‘Chocolite Ice’ that tastes like an 80% coco chocolate bar, and ‘no dairy’, ...sinful, isn’t it? Over 100 designer flavours have been served over 35 years, new one introduced on a regular basis, you’ll hate to miss a day!

Of course, the warm summer months always prove to be the busiest for Italian Ice Cream, however, once you’ve tasted these decadent flavours, they’ll lure you back year round. Relax on the patio while the season permits and enjoy a variety of speciality offerings. Italian Ice Cream is fully licensed, imported drinks are available and speciality coffee’s are even more special!

Expanding their menu to satisfy the desires of it’s cus-

www.golfiteam.com

tomers, they now serve delicious Panini at lunch, expresso, cappuccino, speciality coffee’s, and loose tea’s: herbal, fruit, black & green.

Special event items are available, Gelato cakes custom made, and for those who are hard to buy for: gift certificates are also available.

Open 7 days a week, 8:30am to 11pm.

Only one block from the Casino, visit and try a taste of Italy, delicious Gelato treats.

A tasty Niagara Falls tradition.

Italian Ice Cream 5458 Victoria Ave Niagara Falls, ON L2G 3L2 (905) 356-3866

www.italianicecream.ca

September 3, 2013

The Golfi Team Real Estate Market Watch

Grimsby, Lincoln West Lincoln & Niagara

Rob Golfi*

grimsby

Page 5

$349,900

beamsville

$236,000

grimsby

$289,900

46 Rosedale Street

4991 May Street

43 Hemlock Way

Gorgeous 3 level side split in quiet neighborhood on 68' x 146' ft. lot with a beautiful private backyard retreat. Quick access to QEW and all amenities. Gorgeous original hardwood floors throughout (re-finished 10') Shingles 09'.

Updated 2+1 bedrm family home w/single detached garage, parking for 3 cars, new kitchen (‘11), updated bath w/soaker tub, new ceramic flooring, new carpet upstairs, roof (‘11), updated windows, all new appliances. Gas fireplace in LR, landscaped yard. Centrally located. Easy hwy access, & a walk to shopping.

TRENDY AND STYLISH! This move in ready beautifully decorated 3 bedroom freehold town home features hardwood floors, oak staircase, maple kitchen w/breakfast bar, professionally landscaped & maintenance free yard, great escarpment views, & close to amenities.

$1398 per/mth P&i / O.a.C.

west linCOln

$659,900

$943. per/mth P&i / O.a.C.

smithville

$444,900

$1158 per/mth P&i / O.a.C.

grimsby

$284,900

5050 Canborough Rd

55 Las Road

10 Wentworth Drive Unit 9

Waterfront bungalow with loft! 2.2 acre property with all the bells and whistles. Granite, Jatoba Cherry hardwd, massive interlocking patio with hot tub, open concept layout, main floor office. Stunning views of the Welland River complete this one of a kind offering.

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.

ORIGINAL MODEL HOME - Extremely well taken care of 2 bedrm unit in fabulous condition, features gas fireplace in living rm, crown moulding, new flooring, professionally finished basement with large rec-rm & games area. Very desirable adult community and close to all amenities.

$2,636 per/mth P&i / O.a.C.

$1,777 per/mth P&i / O.a.C.

$1,138 per/mth P&i / O.a.C.

NE O R E H T O N A D L SO st. anns

$539,900

wainfleet

$389,900

linCOln

$291,900

5476 Attema Crescent

40830 Forks Road

4080 Cassandra Drive Unit #21

CUSTOM BUILT HOME –sitting on 1.11 acre lot in prestigious crt, family size kitchen with maple cabinets, granite counters & breakfast bar, gleaming hardwd flrs, showcase fireplace w/overhead space that can hold a 55” flat screen, 9 ft. ceilings, 40 pot lights, & water filtration system.

2.8 acres of country living with pond. Updated 2 storey country charmer. This home has it all, 4 bedroom, 2 full baths, large eatin kitchen, main floor office, laundry and mudroom. Outside features a lovely wrap-around porch and 4 car garage.

3 storey 1900 sq.ft. end unit freehold townhome features 9ft. ceilings, 3 great size bedrooms, master with ensuite and walk-in closet, large eat in kitchen, rear yard backs onto park, double car garage and minutes to all amenities. To be built. Taxes are “not set”.

$2,156 per/mth P&i / O.a.C.

beamsville

$369,500

$1,557 per/mth P&i / O.a.C.

grimsby

$649,900

$1166 per/mth P&i / O.a.C.

beamsville

$235,000

2705 Campden Road

511 Main Street West

4993 King Street

One floor family living in serene setting. Home boasts 3+1 bedrooms eat-in kitchen, huge basement rec room with walkout to patio. Large above ground pool & oversized garage. Updated, windows, exterior doors, furnace, roof, pool & cistern.

If quality is important, this house is for you! Custom built home in 2004 sitting on ½ acre features maple kitchen w/granite counters, cove ceilings w/pot lights, Brazilian cherry hardwd flrs, professionally finished basement w/fireplace, oversized dble car garage, concrete drive & back patio.

Prime location in downtown core. Storefront w/large window, front & back entrances. Can suit 2 businesses or 1 large one.

Parking spaces in rear & municipal parking lot. New furnace & 2pc bath. 1500 sq.ft. of business space w/GC zoning plus 2 BR apt on upper level. Tenant pays hydro. All sizes approx.

$1,476 per/mth P&i / O.a.C.

$2,596 per/mth P&i / O.a.C.

Call Today 905-945-0188

$939 per/mth P&i / O.a.C.

Page 6

The Golfi Team Real Estate Market Watch

September 3, 2013

Bridge Financing can Ease Closing Day Stress

B

ridge financing could have saved the day last month when a series of disasters on closing day caused three related real estate deals to fall apart.

When a bank pulled the financing from one buyer at the last minute, it caused all the deals to fall apart because each one was contingent on the previous seller getting the money to close their own sale.

This is what real estate lawyers refer to as a train wreck.

If bridge financing had been

used, it is likely that this could have all been avoided. In a typical bridge situation, the buyer closes their purchase a few days before their sale.

They go to their bank and ask for a loan, to pay for the entire purchase, with the understanding they will repay the loan as soon as their sale closes. The interest is usually prime plus 3 or 4 per cent per day. By closing a few days early, the interest cost is typically $100 to $200.

One of the benefits of closing a few days early is that you can slow-

CRoSSWoRD PuzzlE (Solution on Page 7)

ly move into your new home. I have heard plenty of stories where buyers are moving out and moving in on the same day and while they are packed up at 1 p.m., they cannot get into the new home until after 6 p.m., resulting in additional moving costs, since you typically pay by the hour.

In my client’s situation, we were fortunate to be able to extend their purchase agreement because our seller did not need the money on closing to buy another property.

Still, the sellers could have cancelled the contract and sued for the deposit and any losses that they may have incurred in any resale of the home. In order to extend the closing, my clients had to pay interest on the money owed to the seller during the period of the extension.

They also had to pay extra moving and storage costs because their furniture had already been picked up from their home when they found out that the deals could not close.

You might wonder how a lender can cancel a loan at the last minute.

You would be surprised how often this happens. When a buyer is preapproved for financing, or even given a commitment from a lender on a specific purchase, it is still conditional on the buyer satisfying all

of the lender’s conditions before the closing. This could include providing proof of income, employment letters, as well as proof that they have the entire down payment from their own resources, and are not receiving it from third parties. If there is any suspicion on the part of the lender that their conditions have not been properly satisfied, they have the right to cancel the loan, even at the last minute.

If you are considering selling and buying on the same day, first ask your seller whether they need the money to buy another property.

Ask the same question of the person buying your home. If the answer to either question is yes, consider closing your purchase a few days earlier and obtaining bridge financing so that you do not become involved in your own train wreck.

Buying and selling on the same day is normally a stressful experience even if it all works out, but by taking extra precaution, you can avoid unwelcome surprises later, provided that everyone is properly prepared in advance.

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

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www.golfiteam.com

The Golfi Team Real Estate Market Watch

Why Don’t Women have Enough Life Insurance????

by Gianni Leonetti, Leonetti Consulting Traditionally, life insurance companies solicited men as the main breadwinners in a family to ensure, that they had adequate life insurance coverage.

Now, times have changed, but the statistics on women show that great percentage of American and Canadian women carry no life insurance. And those that do have a policy, carry about half as much coverage as men do.

Most modern Canadian households are dual-income households. If you were married, especially if you have children, would your husband be able to afford the family style of living if you were to pass away? The loss of either parent would have extremely serious implications. Parents depend on each other in all sorts of ways that go beyond earning an income and paying the bills. In many cases, the surviving parent would have to leave their full-time job in order to care for the kids. Or if they choose to continue to work, the extra childcare needed would become very expensive.

If you are single, who would assume the burden of paying for your final costs if you were to pass away?

This may fall to your parents, who are also likely to be living on a fixed income. Many single women, especially those with children, may be on a tight budget and feel they can't afford life insurance. However, they may be surprised to know that a 30

year old healthy woman can purchase a $250,000 10-year term life insurance policy for $12.00 a month.

If you are a healthy 50 year old, that does not mean it is too late to buy affordable life insurance; your cost for the same policy as above would only be about $30.00 a month. If you have children, it is especially important to make sure they will be taken care of if anything were to happen to you.

Studies show that nearly six out of ten women in Canada are living on their own by the time they are 85. In addition, women generally outlive men by an average of six years. If you have adequate life insurance coverage, dependents will be able to continue their lives and standard of living.

That way they only have to deal with the grief of your passing, instead of any financial burdens incurred by it.

Women need life insurance protection to ensure that whoever survives them will be provided with available capital. Term life insurance has always been one of the most costeffective ways for both men and women to protect their loved ones.

Compare term life or permanent insurance rates today and see how affordable peace of mind can really be.

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

September 3, 2013

Page 7

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Page 8

The Golfi Team Real Estate Market Watch

Rob Golfi*

September 3, 2013

Hamilton, Stoney Creek, Ancaster, Dundas & Glanbrook

hamiltOn east

$219,900

stOney Creek

$289,900

stOney Creek

$214,900

2588 King Street East

18 Lynwood Drive

2-618 Barton Street

SHOWS 10+! UPDATED ONE FLOOR PLAN! Huge driveway, great location minutes from Red Hill and Eastgate Mall. Updates include aluminum roof, kitchen, bathroom, windows, flooring & plumbing. Private backyard oasis overlooking ravine. On ground pool w/stamped concrete patio.

All brick Raised ranch in desirable neighborhood ready for your finishing touches, sitting on large lot, features open and inviting floor plan with fully finished basement new plywood & shingles 2008, new vinyl windows 2008, new furnace & C/air 2010, new c/vac system.

Clean & bright home! Beautiful neutral decor, hardwood & ceramics throughout, basement fully finished with bath & mini kitch with plenty of storage, master suite w/walk in closet & 3 pc ensuite, updated vinyl windows & shingles, new furnace & C/air, Quick access to QEW.

$878 per/mth P&i / O.a.C.

hamiltOn mtn

$419,900

$1158 per/mth P&i / O.a.C.

bUrlingtOn

$949,000

$858 per/mth P&i / O.a.C.

hamiltOn Ctr

$139,900

12 Deborah Court

470 Patricia Drive

213 Rebecca Street

NICEST COURT IN HAMILTON! Immaculate 3 years old, 9 foot ceilings, asphalt driveway, fencing, landscaping, central air, hardwood and ceramics on main level, bedroom level laundry, balcony off bedroom , huge backyard, double drive and garage, cold room and energy star certified.

Custom new build approx. 3000 sq.ft. Features 9ft. ceilings on main floor, coffered ceilings, crown molding, hardwood staircase & flooring, designer bathrooms & kitch, 4 large bedrooms all w/ensuite baths & walk-in closets.

Cute and Cozy Doll House! – This 2 bedrm bungalow located near the downtown core, features new windows 2011, new furnace 2011, shingles 2000, private fenced back yard, located near busses and shopping.

$3790 per/mth P&i / O.a.C.

$558 per/mth P&i / O.a.C.

$1677 per/mth P&i / O.a.C.

hamiltOn mtn

$280,000

hamiltOn west

$129,900

hamiltOn east

$169,900

610 Upper Ottawa Street

304-482 James Street North

117 Fairfield Avenue

3 bedroom bungalow on East Mountain, updates include roof (’09), furnace (’09), windows (“08), A/C (’10). 2 bedroom in-law suite with separate entrance (2012).

Affordable Condo in heart of Trendy James St N. Well maintained with 2 large bedrooms, hardwood floors, ceramics in kitchen and bath, in-suite laundry. Private balcony backing onto quiet backyard. Condo Fee includes: water, ex. Maint, insur and parking.

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.

$1118 per/mth P&i / O.a.C.

hamiltOn east

$139,900

$519 per/mth P&i / O.a.C.

anCaster

$514,900

95 Hope Avenue

34 Norma Crescent

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.

Fabulous 2 storey in fantastic location, features gorgeous hardwd in family rm w/wood FP & wet bar, main flr den, upgraded trim on main lvl, new carpeting & under-pad, freshly painted, patterned concrete drive & patio, new shingles ‘09, unspoiled basement w/good ceiling height & access to garage.

$559 per/mth P&i / O.a.C.

$2057 per/mth P&i / O.a.C.

$679 per/mth P&i / O.a.C.

hamiltOn mtn

$169,900

92 East 32nd Street Larger than it looks! 2 bed bungalow perfect for first time buyer or retiree. Updates include: new bathroom, updated kitchen, new shingles, insulation, landscaping, new electrical, water line and plumbing all done in 2010. Nice neutral décor throughout.

Everything is done just move in!

www.golfiteam.com

$679 per/mth P&i / O.a.C.

September 3, 2013

Rob Golfi*

The Golfi Team Real Estate Market Watch

Page 9

Hamilton, Stoney Creek, Ancaster, Dundas & Glanbrook

stOney Creek

$389,900

hamiltOn Ctr

$154,900

hamiltOn Ctr

$239,900

80 Waterford Crescent

19 Edgar Street

216 Burlington Street East

Beautiful fully finished Freehold End unit in desirable NewPort Yacht club area. Bright eat in kitch w/granite counters & s/s appliances. Furnace & C/Air ’10. Hardwd flrs & trendy neutral décor throughout. Lrg 21 x22 deck w/premium lot perfect for entertaining. Nothing to do but move in!

Renovated two storey, ready to move in! Three bedroom, all with laminate floor, no carpet in the house. Beautiful new kitchen with new appliances included. Two new bathrooms, upgraded insulation, vinyl windows, interior weeping tile done. Walk to new Center mall and schools.

Newly built in 2010, 1500sq.ft. 3 bedrm home ready for immediate possession!

Features beautiful plush carpet, ceramics floors, freshly painted, family size kitchen, large family rm w/large bright windows, ensuite bath in master bedrm, walking distance to bayfront park, & quick access to QEW.

$1557 per/mth P&i / O.a.C.

hamiltOn mtn

$309,900

$958 per/mth P&i / O.a.C.

$619 per/mth P&i / O.a.C.

stOney Creek

$274,900

hamiltOn mtn

$279,900

58 Robson Crescent

53 Marina Point Crescent

146 East 23rd Street

IN-LAW SET-UP! All brick raised ranch, oak kitchen, double concrete drive, rear patio for entertaining, walking distance to schools, easy access to the LINC. Freshly painted, nice view of green space, mostly hardwood and ceramics. Lower level great for in-law or teenagers.

AFORDABLE ADORABLE – Freehold townhome 4yrs new on quiet cul-de-sac, features open & inviting floor plan w/9ft ceiling, bedrm level ldry, lrg master bedrm w/ensuite bath, rich ceramic flrs, & quick access to QEW, $82.00/mth road fee.

Beautifully finished 2 storey home in a convenient location. New kitch, baths, flooring, electrical, & plumbing all done in '13. Updated A/C & furnace. Long side drive w/new asphalt ('13) & shed. Park like yard w/rear deck perfect for entertaining. Everything is done, get in before it is too late!

$1238 per/mth P&i / O.a.C.

$1,098 per/mth P&i / O.a.C.

$1,118 per/mth P&i / O.a.C.

hamiltOn Ctr

$124,900

anCaster

$589,900

stOney Creek

$349,900

214 McAnulty Blvd.

26 Field Road

40 Edgewater Drive

Updated bungalow, cheaper than rent!!! Two bedrooms, w/separate dining room, good sized kitchen, covered front and rear porch, private backyard and loads of street parking, Apply for front yard driveway and add value!!

Picturesque 6.26 Acres, 4 BR family home features an in-ground pool, Quonset building, separate log cabin in the woods, Gazebo, deck, 2 fireplaces, 4 baths, kitch w/vaulted ceilings, dble car garage, new furnace & carpeting, freshly painted, refinished hardwd flrs boarders the Rail trail & more.

NEWPORT YACHT CLUB – 2,200 sq.ft. freehold townhome w/a fantastic open floor plan, features beautiful sparkling refaced kitchen, professionally finished basement w/spare bedrm, tiled 20x20 court yard deck off of spacious family room w/fireplace, walk to marina, parks & lake. Quick access to QEW.

$499 per/mth P&i / O.a.C.

$2,356 per/mth P&i / O.a.C.

$1,398 per/mth P&i / O.a.C.

stOney Creek

$439,900

24 Drayton Court Court location, pie shaped lot on quiet cul-del-sac. Features stunning courtyard front entrance to porch, solid oak kitchen with Corian counter tops, showcase stone fireplace in family room, gorgeous hardwd floors, professionally finished basement, & mostly updated vinyl windows. $1,757 per/mth P&i / O.a.C.

stOney Creek

$389,900

binbrOOk

$384,900

68 Mountain Avenue North

92 Windwood Drive

WHAT A DOLL HOUSE. Beautifully kept home in the heart of Old Stoney Creek, this cozy 4 bedroom home features in-law set up with separate entrance, many updates include shingles 2012, furnace 2008, updated vinyl windows, beautiful wrap around porch, 25x22 dbl garage/workshop.

Amazing space in this fabulous 2100 sq.ft. home, features open main floor plan, formal dining rm, showcase gas fireplace in family rm, family size kitch w/patio doors leading to party size deck & fenced in yard, master bedrm w/walk in closet & ensuite w/relaxing roman tub, & finished basement.

$1,557 per/mth P&i / O.a.C.

$1,537 per/mth P&i / O.a.C.

Call Today 905-945-0188

Page 10

The Golfi Team Real Estate Market Watch

September 3, 2013

Marketplace Senior Downsizing WE GUIDE YOU THROUGH THE ENTIRE PROCESS Pamela Culp Blanchard Cell: 905-971-9568 www.seniordownsizing.ca

Clutter Removal & Organizing WE GUIDE YOU THROUGH THE ENTIRE PROCESS Pamela Culp Blanchard Cell: 905-971-9568 www.beclutterfree.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

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

WINNER

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

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Executive Freehold Towns 60 - 90ngs

si o l C

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Stylish 2-Storey 1,700-1,900 sq.ft. Towns with 9 ft. ceilings & double car garages, backing onto a 5-acre community park!

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Stadelbauer Dr.

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18

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South Service Rd.

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