Life and Homes Central New York

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Central NY FreeApril 2010 Life and

HomesCentral NY

Seller'sTips

FederalRemodelingTax Credit

Complete Real Estate Listing Directory @ LifeandHomes.com

Memory Making Homes

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2 We bring people and homes together.

Oneida COunty ny, editiOn

Published ByLifeandHomes

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HomesWelcome Home Gridlock in our village means three cars waiting at the stop sign. it's a mayberry kind of town which suits me just fine. There is a catch. every visit to the grocery store, post office or church requires a car. i guess that's what caught my eye when a came across the recent study conducted by the Center for neighborhood Technology. Their research revealed only two in five american communities are affordable to typical households when you factor in the cost of both housing and transportation. (is This House as affordable as You Think, pg 3). it's not a topic we hear a lot about but it's certainly something to take into consideration when crunching numbers and deciding the location of your next home purchase.

speaking of crunching numbers, we have some great ideas on how to save on spring home improvement projects in this issue and online at www.LifendHomes.com. You'll find diY projects and easy cost cuttings tips along with information on how to cash in on the remodeling tax credit which is available through the end of 2010.

Local real estate participants report an increase in market activity within the past few weeks. That's welcome news for any community. if you're putting your home on the market, take time to read this month's feature story, Home inspections Help You sell. Positioning your home to stand out in a crowded market can be as simple and inexpensive as decluttering, cleaning, completing simple renovations and repairs and ridding the lawn of last year's leaves and debris. stack the deck in your favor even further by investing in deal-sealer items like a pre-sale home inspection and professional staging.

LifeandHomes, LifeandHomes.com and our advertising sponsors stand ready to help as you buy or sell your home. it's our way of supporting the communities we live and work in. This issue and our online, all-inclusive listing service showcases local business services and features for sale listings from Realtors, investors, for sale By owners, Contractors, manufactured Home Builders, developers, and Commercial developers all in one convenient place. Browse through the property listings, articles and helpful resources, then visit www.LifeandHomes.com and use the easy search options to see even more for sale properties.

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Don’t miss that Special Home you’ve been looking for.Have a PDF sent right to your email.

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is This House as affordable as You Think? A new analysis by the Center for Neighborhood Technology (CNT) shows that only two in five Ameri-can communities—or 39 percent—are affordable for typical house-holds when their transportation costs are considered along with housing costs.

The Housing + Transportation (H+Tsm) affordability index examines 337 metro areas across the country—encompassing 161,000 neighborhoods and 80 percent of the U.s. population—and provides the only comprehensive snapshot of neighborhood affordability by accounting for combined housing and transportation costs associated with a community.

for most families, transportation is the second largest household expense. The new analysis shows that for many families in “drive ‘til you qualify” zones, savings realized from lower cost housing are eliminated by unexpectedly high transportation costs. Yet, it is difficult for consumers and policymakers to estimate the full costs of a location, including the cost of both housing and of transportation. This lack of information can lead families to unknowingly make housing decisions that cause them to live beyond their means as gas prices rise and commutes grow longer. a community’s average transportation costs can range from 12% of household income in efficient neighborhoods with walkable streets, access to transit, and a wide variety of stores and services to 32% in locations where driving long distances is the only way to reach essential services.

To explore the H+T index or obtain a copy of Penny Wise, Pound fuelish visit: http://htaindex.cnt.org/.

Census Scam AlertHarrisburg Pa mayor Linda Thompson has already been the victim of a census scam. she received and filled out a census form a few weeks ago and didn't realize it was a fake form until her legitimate census form arrived shortly thereafter."You know, i was just eager to be a leader in the city that fills it out and didn't think that the census had said they don't ask for social security numbers and they even asked for my address and where i worked and my job title. so, there you have it -- buyer beware," says Thompson. she is now taking steps to prevent identity theft.

LifeandHomes reminds readers that The Census Bureau does not conduct the census via the internet and does not send out emails. The Census Bureau never asks for your full social security number, Pin numbers, passwords or access information for credit cards banks or financial accounts.

You may verify if a collection activity is legitimate by calling your regional census office regarding mail surveys, or call 301-763-info (4636) for general Census Bureau information

don't Let termites Put The Bite on Your HouseThe national Pest management association (nPma),reports termites cause more than $5 billion in property damage each year across the U.s.and damage from wood-boring insects is typically not covered by homeowners' insurance policies.

The best way to effectively treat an existing termite infestation is through professional pest control, but there are steps homeowners can take to help keep the pests from invading in the first place. for instance, simple things, such as keeping tree branches and shrubbery well trimmed and away from the house, can help.

The experts at the nPma also recommend these tips for controlling termites:

• seal cracks and holes on the outside of the home, including entry points for utilities and pipes.

• Keep basements, attics and crawl spaces well ventilated and dry.

• Repair leaking faucets, water pipes and aC units.

• Repair fasciae, soffits and rotted roof shingles. some termites are drawn to deteriorating wood.

• Replace weather stripping and repair loose mortar around basement foundation and windows.

• store firewood at least 20 feet away from the house and 5 inches off the ground.

• Routinely inspect the foundation of your home for signs of mud tubes (used by termites to reach a food source), cracked or bubbling paint, and wood that sounds hollow when tapped.

• direct water away from your house through properly functioning downspouts, gutters and splash blocks.

• visit www.pestworld.org to find a qualified pest professional for additional advice and treatment if necessary. (naPsi)

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newsShortsno drip SavingsDrip. Drip. Drip. The average American household wastes more than 10,000 gallons each year from easy-to-fix water leaks, adding up to more than one trillion gallons of water lost annually nationwide. Many of these leaks have do-it-yourself fixes that could cost only a few dollars to address.

The U.s. environmental Protection agency's (ePa's) Water-sense program is encouraging homeowners to find and fix leaks to save more than 10 percent on utility bills now and help save water for future generations.

1. Find Leaks: Winter water use can be an indicator of household leaks. if use exceeds 12,000 gallons per month for a family of four, chances are good that you have a leak. Walk around your home with eyes and ears open to find leaks, and don't forget to check pipes. Reveal a silent toilet leak by adding a few drops of food coloring to the tank and wait 15 minutes without flushing. if bowl water changes color, your toilet has a leak. flush afterwards to avoid staining the bowl or tank.

2. Fix Leaks: many times, fixing leaks can be done yourself and doesn't have to cost a thing. Both faucets and showerhead connections can be tightened or sealed. for leaky toilets, the rubber flapper inside the tank is often the culprit. over time, the flapper decays, but replacing it only costs a few dollars. if you don't feel comfortable with these repairs, a licensed contractor can help. irrigation systems and outdoor spigots can also have leaks. a Watersense irrigation partner who is certified in water-efficient irrigation technologies and techniques can ensure your irrigation system works properly.

3. Save Water: dripping faucets can waste more than 3,000 gallons per year, a shower-head leaking 10 drips per minute about 500 gallons per year, and running toilets 200 gallons

or more each day. fixing household leaks not only saves water, but also energy and money on utility bills.

if you need to replace plumbing fixtures, save even more water by replacing them with Watersense-labeled models. Watersense labels toilets, faucets, urinals and--coming soon--showerheads that use at least 20 percent less water and are independently tested and certified to perform as well as or better than standard plumbing fixtures.

for more information and tips about how to save water, visit www.epa.gov/watersense. (naPsi)

federal Remodeling tax CreditThe tax credit for energy efficient replacement

windows and doors, originally introduced in 2009 as part of the american Recovery and Reinvestment act, is set to expire at the end of 2010, making this year the best time for homeowners to replace their windows and upgrade the look and feel of their home.

Ply Gem, a leader in the building products industry, offers some tips and guidelines to help homeowners make the most of the energy efficient replacement window tax credit.

Homeowners can receive a tax credit worth 30 percent of the purchase price of qualifying energy efficient windows, up to a maximum of $1,500 if purchased and installed by dec. 31, 2010.

To redeem the credit, be sure to save your invoice that shows a breakout of window and installation costs, the national fenestration Rating Council (nfRC) labels from all windows and doors and the manufacturer’s certificate.

energy efficient windows that meet the tax qualifications offer more savings than a one-time federal tax credit. The alliance to save energy says that sealing and insulating your house – including

utilizing energy efficient windows – is a great first step to take when improving your home’s energy efficiency. To learn more, visit www.plygemwin-dows.com or www.recovery.gov. (aRa)

Room for What??? "Room to grow" takes on new meaning with this residential listing.

LifeandHomes provides

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High Definition real estate

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Local Homes For Sale

Go to www.LifeandHomes.com

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To Learn more about Life on Demand videos Contact- V Productions at 315-520-3524 or

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LH

Property information for 7659 Riles Road4 Bdrm 4 bath 4,400 sq./ft. hillside home on 4 plus acres, 7 min. from middleton. master suite with whirlpool and deck. fieldstone fireplace, wraparound porch, storm/wine cellar, spectacular room to grow marijuana, open floor plan, elevator and handicap accessible with in-law suite. 2 1/2 car garage with lower level shop. separate 40' x 60' commercial grade shop with loft, office and 3/4 bath. Perfect for toys or animals. middleton-Cross Plains schools. $675,000

(source - www.lovelylisting.com)

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5219 Rome Taberg Road Investors!...Beaver Creek Golf Club & Residential EstatesFor more details & photos, visitwww.RichardParentHomes.com


Rome $1,495,000

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newsShorts

new Millennium Marketing: mike Bova, founder of madison

County Courier and Publisher

for mP3 Publications shares how

technology and highly effective

marketing tools are fueling rapid

growth of his upstate newspapers.

Survive & thrive: eric Lorri, executive director

& founder freedom Guide

dogs, http://www.freedom-

Guidedogs.org , reveals his

business tips for surviving and

thriving through the recession.

This Month on Spotlight:

Book networking:Therese Jensen-Lacey talks

about book networking and her

inclusion in the new Chicken

soup book, "older & Wiser:

stories of inspiration, Humor,

and Wisdom about Life at a

Certain age"

taLK RADIO

interviewing successful people and revealing their winning strategies.

Join the Conversation

Over 3000 Listening Downloads Last MonthYour business can be featured on our show! Call us at 315-235-3753.

LiVeAND ONdemAnd

Thursday’s at 7:00pm eT.To Be a Part of the ShowCall in 646.478.4353

Co-Hosted by Rob Thrasher& Sal Valente

Listen Live or Log On Anytime at www.LifeandHomes.com - Click on Talk Radio

When you're ready to sell your home in the current market, you need to take every step you can to ensure a timely sale at the price you want. a surplus of homes for sale means that yours needs to stand out in style, amenities and quality to make an impression on potential buyers. The more steps you take to make your house sale-ready, the better results you'll get.

Currently, home sales are at a historic low -- so what do you need to do to buck that trend? Updated decor and proper staging certainly help present your home well, but don't think that cosmetic fixes are all you need. Buyers want to know the home they're considering is safe and sound, and the best way to establish that is to hire a home inspector.

Twenty years ago, it seemed extravagant to hire a home inspector, but today it's standard practice. Buyers will often bring their own inspectors to the table, so you need to start by hiring one yourself. Hiring a professional will give you a realistic perspective on what's going on in the bones of your home.

"in a down market, a pre-sale inspection can make a home stand out," says david Tamny, president of the american society of Home inspectors. "more and more, sellers are obtaining pre-sale inspections to help uncover and address potential issues before the first prospective buyer walks through the door. This simple step allows for better planning and lowers repair costs, adds value to the home, and it could increase the likelihood of an offer."

even if someone in your family is handy, a professional home inspector will be able to point out issues that might go unnoticed by someone who doesn't know the ins and outs of inspecting. Today's buyers are quick to point out flaws uncovered by the home inspectors they bring with them, particularly if the flaws could compromise health or safety.

Buyers can use problems as bargaining chips, causing previously agreed upon prices to be lowered or even the cancellation of a deal. inspections help uncover imperfections that often can be fixed easily and inexpensively, so it's worth it to get your home inspected before you list it.

in addition, a good inspection can raise the likelihood of an offer being placed on your home. Buyers are looking for security. if you can show them

your home has been inspected, they'll feel more comfortable with it. That confidence often equates to more dollars in your pocket when you agree to the sale.

The areas covered in home inspections are: the major systems and components such as the foundation, exterior siding, flashing and trim, the roof, plumbing, electrical and heating and cooling units. in addition, some home inspectors offer additional services including radon testing, energy assessments and pool and spa inspections.

The current housing market requires a proactive approach to selling, and to get the result you want, you have to think about every aspect of your home. Having a home inspection can add value to the property, speed up the negotiation process, increase the likelihood of an offer and, most importantly, help sell your home. ( aRa)

Home inspections Help You Sell

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Marcy $279,900Fabulous 4 bedroom transitional with two-story entry, hardwood fl oors, cherry kitchen with granite, master bedroom suite.

Deerfi eld $255,900Only 4 years old. Features great room with fi replace, oversized master bedroom suite. Excellent location with treed yard.

Deerfi eld $279,900Executive Cape on 2 acres. First fl oor master suite, hardwood fl oors, fi replace, formal dining room and much more!

Whitesboro $129,900This 3 bedroom, 2 bath ranch boasts open fl oor plan, updated kitchen, family room addition and living room with fi replace.

Updated farmhouse on 5 beautiful acres. Featuring 4 bedrooms, loft, country kitchen with woodstove, sun porch with view.

Marcy $149,900 Taberg $118,900Meticulous 3 bedroom, 2 bath ranch. Open fl oor plan, kitchen with island and stainless appliances. Many recent upgrades.

New Hartford $459,700Gorgeous custom built 3 bedroom, 2.5 bath home. Master bedroom suite, quality kitchen, 3 car garage and much more.

Hamilton $1,495,000Boasting 5 bedrooms and 5.5 baths this home features luxuri-ous upgrades. 2.73 acres with sweeping views of the university.

New Hartford $1,600,000Masterpiece with over 5,000 square feet of luxury amid 15 acres with dramatic views. Deluxe amenities throughout.

Clinton $599,500Newly constructed grand home with 4 bedrooms, study with fi re-place, deluxe kitchen. Fine qual-ity throughout.

Clinton $339,000Restored village home. Historic character with modern conveniences. Beautiful master bedroom suite and deluxe kitchen.

Little Falls $379,000Limestone house and barn with sweeping views. Stunning! Hardwood fl oors, updated bath-rooms, and open kitchen area.

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SCAMPONEREAL ESTATE

797-7100

FOR A COMPLETE INVENTORY OF LISTINGS & UP TO DATE PROPERTY INFO, VISIT...

scamponerealestate.com

New Hartford

History combined with charm is what will inspire you to fall in love with this beautiful 1825 home located in the village of New Hartford. Over 4,000 sq ft. 5 Bdrm, 2 ½ baths. An exquisite sunroom leads you to a park like yard with gorgeous gardens and an ivy covered rock wall.

$299,000MLS #1000669

NEW LISTING

South East Utica

Charming describes this lovely 2 bedroom ranch. Just imaging what you can do with this open fl oor plan. Main fl oor laundry. Nice deck overlooking fenced yard.

$117,900MLS #1000700

NEW LISTING

South East Utica

3 Bedroom, 2 bath ranch, nearly 1800 sq ft, hardwoods, formal diningroom & livingroom, fplcd fr w/built in wet bar, eat in kitchen, master bath. Sliders from kit & master bedroom to private backyard, hot tub inground pool. Many amenities & updates.

$209,900MLS #1000130

Verona- Commercial Lakefront

The sea shell waterfront this is fully equipped and turn key! A 100’ wall of huge bay windows gives a unique waterfront view w/spectacular sunsets. Property includes living quarters w/private kit & bath, outdoor seating on the veranda, a sandy beach, & an overfl ow parking lot. Conveniently located from Verona Beach State Park, 1.5 miles from the Village of Sylvan Beach and amusement park, 3 Oneida Indian Nation owned marinas and 10 miles from the Turning Stone Resort Casino.

$799,900MLS #200704203

Frankfort

Popular rolling hills townhouse. Fur-nace 3 yrs old. Roof aprx. 5 Yrs old. New windows & newer dishwasher. 1St fl oor carpet 2 yrs old. 2 Bedroom, 1 1/2 bath w/special use room off mas-ter bedroom. These units sell quickly. No association fee!

$72,500MLS #1000528

NEW LISTING

New Hartford

Spacious 4 bdrm, 2 1/2 bath condo. 1St fl r master suite. Loft area overlooking fi replaced family rm. Steps away from the golf course and only minutes from shopping 1st. ‘City close yet country quiet’ in this upscale neighborhood.$259,000

MLS #1000563

NEW LISTING

South Utica

Lots of room here! 4 Bedrooms & 2 full baths. Mostly all newer windows, furnace approx. 7 Yrs old, hwh, refrigerator & washer/dryer approx 2 yrs old. Hardwd fl oors. 1St fl r br could be family room. Needs some cosmetic refreshing. Screened-in front porch is great!

$94,900MLS #1000615

NEW LISTING

Frankfort

4 Bdrm, 2 bth ranch home, completely up-dated, move in condition. Two new, tiled, full baths (one is mstr bth), refnshd hrdwds, roof less than 1 yr, new plmbng, large kit, lg din area, deck w/jaczzi, nice bdrm sizes, theatre/fm rm in fi nished bsmt w/pellet stv. Tastefully put together & wrapped up on 1.6A.

$184,900MLS #912679

New Hartford

Newly constructed 3 bedroom, 2 bath ranch in the Whitetail Meadows development. Gorgeous brick oven kitchen w/maple cabinets, livingroom, diningroom, breezeway. Completed w/lawn, driveway, walkway. Turn key!

$253,000MLS #1000465

NEW CONSTRUCTION

New Hartford Lots in Popular Development

Popular Higby Hills Estates holds three beautiful lots ready for you to build your dream home. One lot is just under an acre, a second is almost 2 acres, and the third is over 5 acres. All public utilities. All on Pebble Creek Lane. From $51,500. $51,500

NEW LISTING

New Hartford

Spacious split level home in popular Benton Hills. 3 Bedrooms, 2 baths. Fireplaced lr, dr, family room w/entrance to rear yard. Hardwood under lr & dr carpet. Oversized garage. Great cul de sac location.

$174,900MLS #1000641

NEW LISTING

East Utica

Smart investment in this remodeled 3 bdrm bungalow. New, fully applianced stainless kitchen, new granite bath. Open archway from kit to large, formal dr. Crisp, clean space w/natural light, hardwoods, high ceilings. Updated: windows, exterior doors, electri-cal, hwh, kitchen insulation, plumbing, maintained & rebuilt furnace.

$89,900

NEW LISTING

South East Utica

Stunning is an understatement! Popular South East Utica area. Completely remodeled, tiled, new windows, c/a., Modifi ed ranch with beautiful layout & abundant principal rms on main level of over 2700 sq ft, 4 bdrm 1 ½ bths. Ad-ditional 1700+ sq ft in-law apt on lower level, remodeled, tiled & sep entrc. Amenities galore; massive rooms, formal dining room, lr w/ skylights, eat in, tiled kit, beautiful yard, inground pool & so much more! Entertain w/class!

$245,900MLS # 200800287

Fourth Lake Year Round Lake Front

Nearly new, fully furnished, 3 bdrm, 2 bth, modifi ed a-frame in the heart of the Adirondacks. Year round home situated on over 300’ of beautiful lakefront. A seaside cobblestone breakwall lines 85 feet of this 4th Lake property. Spacious, glass lined lr w/ gas fp, fully applianced kitchen. 2nd fl r bdrm loft. Rear deck overlooks 4th Lake, full walk out basement to dock, all toys included in sale! An impeccable year round retreat of lakefront luxury.

$1,075,000Offi ce Exclusive

SauquoitEmerald Hill Estates. $28,500.FrankfortRolling hills. All public utilities. From $22,000.Whitetail MeadowsAll public utilities. From $30,000.South East UticaOver 2 acres. $59,900.

Sylvan Beach2.89 Acres on Main St., $145,500Sylvan Beach6 parcels. $100,000.LenoxClose to Rt. 13 & Sylvan Beach. $39,000.Prime New Hartford development land. 45+ Acres. public water available. $495,000.

Land & Building Lots

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Your All Inclusive Home Directory LifeandHomes.com 9551 Mullen Hill Road Lot for Sale or Rent

For more details visit www.LifeandHomes.comType in Quick Search #32673Oneida County - FSBOPhyllisGoworek•315-335-2745

FSBO • [email protected]

Low Mortgage Rates • Homestead Financial 315-768-1980 Licensed Mortgage Banker NYS Banking Dept

Ava $5,000Eastern Adirondack Home and Design Custom Log Homes

For more details visit www.LifeandHomes.comType in Quick Search #32882Eastern Adirondack Home & DesignJohn&DonnaBrand•518-644-2328

Owner • [email protected]


Central New York $0

6945 Stokes Westernville Road 3 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #41210SBG RealtyJoelSiegfried•315-793-7580

Broker/Owner • [email protected]


Ava $174,900Chalet Modular Home Land Not Included

For more details visit www.LifeandHomes.comType in Quick Search #41041K D HomesDavidSullivan•315-725-1434

Lic. R.E Salesperson • [email protected]


Central New York$149,000

9582 Hawkinsville Rd 4 bedrooms / 1.5 baths

For more details visit www.LifeandHomes.comType in Quick Search #33983Town and City Real EstateRealtor,DebbieRaucci•315-735-9850

Licensed R.E. Agent • [email protected]


Boonville $101,915Turn Key Land Not Included

For more details visit www.LifeandHomes.comType in Quick Search #41040K D HomesDavidSullivan•315-725-1434




Adirondack Mt Retreat Canada Lake 6 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #41191United Country Real Estate/HBE Group, Inc.JohnCarlin•315-429-9754

Lic. R.E. Broker • [email protected]


Caroga Lake $795,000Oneida County 3 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #33898R. Kessler & AssociatesRobertKessler•315-525-6204

Owner • [email protected]



Greene County Gentlemans Farm 4 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #33942Posson Realty LLCDavidPosson•607-316-3758



Catskill $350,00015 Kellogg Street 3 bedrooms / 2.5 baths

For more details visit www.LifeandHomes.comType in Quick Search #41182Clinton Real EstateBarbaraFrank•315-853-4400

Lic. R. E. Broker • [email protected]


Clinton $299,000

Barbara Dunn Realty

215 N. James Street Rome315-337-1677 • [email protected]

Working together is Richard’s approach to helping buyers and sellers. Richard provides timely and effective communication while servicing all clients with a high level of full time professional service. Richard has over 30 years of sales, supervisory and national corporate experience and is a member of both Utica & Syracuse MLS systems. While residing in New Hartford with his wife Shirley he provides services throughout central New York. Contact Richard today to help streamline your real estate needs!

Richard ParentColdwell Banker Prime Properties

Phone: 315-768-1680 Web: RichardParentHomes.com

I live in Vernon w/ my husband.

I’m an aggressive, honest and

hardworking Agent. I love my

job and love working with people.

My greatest pleasure is the smiles I get when I find their dream home.

Call me today with a free market analysis of your homes worth.

Judy HinmanColdwell Banker Faith Properties

Phone: 315-794-8305 Email: [email protected]

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Your custom home is more than just a house. it’s

where you dream, retreat, make memories. let

Marand custom Homes make your dreams a reality.

with over 25 years of experience, we deliver

exceptional quality and service for all your custom

home and remodeling needs.

C a l l U s t o d a y f o r a F R e e C o n s u l t a t i o n a n d Q u o t e .

Marand Builders & renovators, llccommercial & residential

Mark BarbatoOwner

President , Home Builders Association

6848 Mallory roadHolland Patent, nY 13354

(P) 315.797.0806

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Your All Inclusive Home Directory LifeandHomes.com 3804 Fountain Street 3 bedrooms / 1.0 baths




Clinton $149,900128 Fountain View 3 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #41227Coldwell Banker Prime PropertiesKathyWhite•315-723-7741



Clinton $234,500

28 Kirkland Avenue 3 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #41111Clinton Real EstateBarbaraOwens•315-853-4400

Associate Broker • [email protected]


Clinton $147,5003338 State Route 12-B 4 bedrooms / 1.5 baths




Clinton $209,000

3161 Route 12B 3 bedrooms / 1.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #41019Clinton Real EstateBarbaraOwens•315-853-4400

Associate Broker • [email protected]


Clinton $99,900131 Homewood Drive 3 bedrooms / 1.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #41163Don Kingsley Real EstateThelmaChase•315-363-5464

Assoc. Broker • [email protected]


Clinton $117,900

1 Utica Street 3 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #33724Coldwell Banker Prime PropertiesJodieDeCosty•315-723-8554

Lic RE Associate Broker • [email protected]


Clinton $169,900417 Main Street 6 bedrooms / 2.5 baths

For more details visit www.LifeandHomes.comType in Quick Search #41187Coldwell Banker Prime PropertiesLauraMinard•315-525-1974

Realtor • [email protected]


Coldbrook $179,900

171 Sanford Avenue 4 bedrooms / 2.5 baths




Clinton $174,9003708 Sweeney Road 2 bedrooms / 1.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #41212Barbara Dunn RealtyBarbaraDunn•315-337-1677



Constableville $99,900

I Have The Key To All Your Real Estate Needs!Call Me Today...

Melissa ClarkRealtor

Phone: 315-733-0463x227 Cell: 315-723-5584 Email: [email protected]

600 French RoadNew Hartford, NY 13413

Joseph R. Carucci Real Estate

New ListiNg

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LifeandHomes.com Your All Inclusive Home Directory

3706 Sweeney Road / 15 Acres 3 bedrooms / 1.0 baths




Constableville $127,000Southern Herkimer County Farm 58 Acres




Herkimer $230,000

10442 Doyle Road 4 bedrooms / 2.5 baths

For more details visit www.LifeandHomes.comType in Quick Search #41153Coldwell Banker Prime PropertiesGaetanoBelmonte•315-768-1680



Deerfield $279,0008651 Edwards Rd 0 bedrooms / 0.0 baths




Holland Patent $34,900

110 Keri Lane 3 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #41154Coldwell Banker Prime PropertiesGaetanoBelmonte•315-768-1680



Deerfield $255,9007210 Glass Factory Rd 5 bedrooms / 2.5 baths

For more details visit www.LifeandHomes.comType in Quick Search #41232Coldwell Banker Faith PropertiesJayGroah•315-272-3975



Holland Patent $419,900

6878 Airport Road 4 bedrooms / 2.0 baths




Hamilton $149,9008058 Limberlost Road 3 bedrooms / 1.5 baths




Kirkland $135,000

333 Eureka 3 bedrooms / 1.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #33857A.Fumarola /Joyce RealtyAnthonyFumarola•315-732-3456



Herkimer $68,500100 Harbor Shore Drive 4 bedrooms / 0.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #33879National M&D Dailey RealtyMariaE.Dailey•315-336-0433



Lakeport

Assist 2 SellSeller’s & Buyer’s 1st Choice.

America’s Leading Discount Real Estate Company

I can save sellers thousands! I call it

“Full Service with $avings!”

Joanne SheddLicensed Sales AgentAssist 2 Sell


Selling FSBO?This year, more than ever, is not the time to go it alone. Buyers have many homes to choose from. A realtor provides maximum exposure, screens prospects, has contacts with attorneys, home inspectors, surveyors, lenders, contractors. We guide you through the maze of contracts, disclosures, marketing, setbacks and myriad of details. More than ever, you need a friend on your side; someone who knows the market, the risks, the ropes. Now an approved HUD broker. You need Neu.Dot Realty.

Dorothy NeumannNeuDot Realty


Smith Inspection Services, llc

call 315-363-8074

Serving Central NY and the Mohawk Valley

Pre-Listing & Buyer InspectionsSeptic System Inspections & Dye Tests

Water Purity & Quality Tests

35 Years Commercial Construction Experience5 Years Home Inspection Experience

PO Box 126, Sherrill, NY 13461

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Your All Inclusive Home Directory LifeandHomes.com 9321 State Rt. 26N 3 bedrooms / 1.5 baths

For more details visit www.LifeandHomes.comType in Quick Search #33878RE/Max All ProTonyAbone•315-339-2222



Lee Center $159,9006386 Glass Factory Road 3 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #41213Prudential J.R. Carucci Real EstateStephenDellerba•315-725-9152

Lic. R. E. Agent • [email protected]


Marcy $154,900

Kyser Lake Camp 4 bedrooms / 1.0 baths




Litlle Falls $165,00071 Walnut Street 5 Units

For more details visit www.LifeandHomes.comType in Quick Search #41201Bruce Ward & CompanyAnnaDuffy•315-717-3957



Mohawk $192,500

Johnny Cake Rd. 0 bedrooms / 0.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #33805Dominion HomesAmyAbdoo•315-794-2653



Little Falls $66,9009 Morris Circle 3 bedrooms / 1.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #41194Assist2Sell Seller’s and Buyer’s 1st Choice!JoanneShedd•315-790-1997



New Hartford $143,000

10380 Duck Harbor Road 2 bedrooms / 1.0 baths




Lyme $199,900Mallory Road 3 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #41234Buck ConstructionSteve&RickBuck•315-736-0865

Contractor/Developer • [email protected]



6181 Morris Rd. 3 bedrooms / 1.0 baths




Marcy $124,900112 Danberry Circle 3 bedrooms / 3.5 baths





Carrie PodagrosiA. Fumarola Realty Inc.

www.uticaromeproperty.com

Joyce Realty

46 Genesee StreetNew Hartford, NY 13413Office: 315-732-3456Cell: 315-723-3021Fax: 315-735-9057

www.mohawkhcs.com

800-432-8669

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Call Dean Case 315-942-4949 • Cell 315-534-3319 • Fax 315-942-2527

Several log home plans are available, with many different log styles to choose from. We offer 3 species of wood and optional roof systems. The possibilities are endless...

Adirondack Builders, Inc. is an independently owned and authorized dealer/builder for Tennesee Log Homes.

Q Log HomesQ Timber Frame ConstructionQ FireplacesQ BasementsQ DecksQ Custom KitchensQ Additions

Q General ContractingQ CarpentryQ PlumbingQ MasonryQ RoofingQ Electrical work

"Our goal is to provide you with a no pressure, turn-key home building experience -

log or stick built."

START LIVING YOUR DREAM TODAY! Call J. E. Siegfried at 315-796-2258

SBG Realty and I would like to thank everyone for a great 2009From Jan. 1 to April 30 all listings with me will be reduced commissions. $1995 or 4% if sold by another broker.

MidStateContracting

Barry Kotary7710 McKern RdRome, NY

Siding • Decks Windows • Additions

Overhead Doors Fully Insured

FREE Estimates

315.335.8073

Rt 8 2 bedrooms / 1.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #40989Dick Stanton Real EstateMikeMcNaughton•315-264-3081



Ohio $59,000220 Ridge Road Commercial




Rome $275,000

313 Loucks St 2 bedrooms / 1.0 baths




Oneida $99,500104-106 3rd St - 2 unit 3 bedroom each

For more details visit www.LifeandHomes.comType in Quick Search #41230Homecoming RealtyDeniseWitchley•315-337-0841



Rome $49,000

Otsego County Dairy Farm 5 bedrooms / 0.0 baths




Otsego $325,0006199 Lorena Road 3 bedrooms / 1.5 baths

For more details visit www.LifeandHomes.comType in Quick Search #336161St. Rome RealtyTracyWinterton•315-335-3843



Rome $175,000

12 Gridley Blvd 2 bedrooms / 1.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #33984Town and City Real EstateTonyPavia•315-735-9850

Lic. R.E. Salesperson • [email protected]


Paris $69,9002 Carmel Drive 3 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #335951St. Rome RealtyTracyWinterton•315-335-3843



Rome $64,000

111 W Thomas - 8 unit Commercial




Rome $189,0005600 Golly Road 5 bedrooms / 2.0 baths




Rome $125,000

waterfroNt

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CoMiNg sooN!

Affordable Quality HomesComplete Home Packages Starting at $149,900Stick Built & Modular

R. kessler& ASSOCIATES

Robert Kessler

Holland Patent, NYP. 315.525.6204F. 917.534.6024E. [email protected]

R. Kessler and Associates has been building and renovating homes throughout the Northeast for over 25 years. Our Passion is complete satisfaction and Quality for all of our customers. Quality is the only way we build! Thank you to all of our new customers, their business, and the kind recommendations they’ve given.

Don’t rush your new home for the tax credit. We will give you the credit either way!

COMING SOON!

VideoTour

www.lifeandhomes.comQSN #33898 Home Builder , Site De velopment, Project M anagement

We all fall down. Its the getting back up that really counts.

Keep the Faith!

CoMiNg sooN!

CoMiNg sooN!

Westmoreland HollandPatentWestmorelandDeerfield

CoMiNg sooN!

14 Barns Ave , Utica $58,000

• 2 Family• 3 Bedrooms Each• Fully Renovated• Replacement Windows• Vinyl Siding• Fully Rented

$1,000 Monthly IncomeQSN 41141

QSN 41143

1021 Hope St , Utica $58,000

• 2 Family• 3 Bedrooms Each• Brick Home• Parking Across the Street• Fully Renovated• Fully Rented

$1,000 Monthly Income

1013 Hope St , Utica $58,000

• 3 Family• 2 One Bedroom Units• 1 Three Bedroom Unit• Fully Renovated• Vinyl Siding• Fully Rented

$1,250 Monthly Income

1008 Hope St , Utica $58,000

• 2 Family• 2 Bedrooms Each• Fully Renovated• Fully Rented

$850 Monthly Income

H. Palmer Properties, LLC315.868.8668 • [email protected]

Package Deal!All 4 Properties

$232,000Price Negotiable

Gross Monthly Income

$4,100

Investor’s Specials

Properties can be purchased separately.

ROP Permits in City of Uticafor all properties.

QSN 41142

QSN 41144

For more information, go to www.LifeandHomes.com and type in the QSN #.

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735-2222 x26 • www.johnbrownsells.com • [email protected]

Leading agent in central new York

for nearlY 2 decades

there are 3 words to know to Successfully Buy & Sell

real estate in central new York.John Brown Team

John Brown Veronica Bunce Coe Lori Scalise Marcia Archibald Cindy Brown-Major Cliff Ganey Cindy LazzarosMichelle Gorea Thompson

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Your All Inclusive Home Directory LifeandHomes.com

Gaetano’s Clients Enjoy Professional

Real EstateHome Staging

Go to SellingCentralNewYork.com or call 768.1680 x202

8086 Seneca Tpke Clinton, NY [email protected]

315-732-9577

Services Include:- kitchen-bathroom remodels- trim work and painting- flooring- windows and doors- seamless gutters and covers

No Job Too Small!

507 E. Bloomfield St. 3 bedrooms / 1.0 baths




Rome $38,000Creekside Colonial 3 bedrooms / 2.0 baths




Salisbury Center $79,500

406 W. Oak Street 4 bedrooms / 3.5 baths




Rome $09509 Pinnacle Road 4 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #41199Hunt For HomesJeanHunt•315-725-4700



Sauquoit $139,900

534 Mill Brook Road 3 bedrooms / 1.5 baths

For more details visit www.LifeandHomes.comType in Quick Search #33899Oneida County Real Estate InvestorsWeBuy/SellHouses•315-264-9235

Investor • [email protected]


Rome $55,5003233 Mohawk Street 3 bedrooms / 1.5 baths




Sauquoit $129,900

611-613 Chatham St. 3 bedrooms / 2.0 baths




Rome $149,9008541 State Route 365 3 bedrooms / 2.0 baths




Stittville $144,900

211 E Linden Street 3 bedrooms / 1.5 baths




Rome $119,500Recreational Home/Camp 4 bedrooms / 1.5 baths




Stratford $124,900

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1314 Vienna Rd Rent to Own

For more details visit www.LifeandHomes.comType in Quick Search #32684Oneida County Real Estate InvestorsSteveRuscitto•315-762-4488



Sylvan Beach $67,000706 Nichols St. 6 bedrooms / 2.0 baths




Utica $13,900

503 16th Ave Rent to Own

For more details visit www.LifeandHomes.comType in Quick Search #32685Oneida County Real Estate InvestorsSteveRuscitto•315-762-4488



Sylvan Beach $69,000717 Plant Street / 2 unit 0 bedrooms / 0.0 baths




Utica $59,900

6459 County Highway 18 3 bedrooms / 2.0 baths




Unadilla Forks $149,90015 Hampden Place - 2 family 6 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #32737The Nehemiah FundTonyMyers•315-525-6291



Utica $74,900

1203 Francis St - Multi Family 6 bedrooms / 4.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #32832A.Fumarola /Joyce RealtyAnthonyFumarola•315-732-3456



Utica $74,5003 Sherman Place 4 bedrooms / 2.0 baths




Utica $59,900

914 Mildred 4 bedrooms / 2 baths / 2 half baths




Utica $124,900North Utica 3 bedrooms / 2.0 baths




Utica $319,900

Amy is a NYS licensed Real Estate Broker. For the last 6 years she has enjoyed working primarily with marketing foreclosures with several different banks and outsourcers. She resides in Clinton and when not “Helping You Make Our House Your Home”, she spends time with her husband and three boys. Give her a call or email for your Real Estate needs.

Amy AbdooDominion Homes


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Floyd $84,9003 Bed/1 Bath Very Nice 2 Story Home. Downstairs has been remodeled to include new Kitchen, new Bath w/ Double Sinks, a Computer area and French Doors Leading to a Patio off the Kitchen. Large Yard. Plenty of Parking.

Rome $179,900For sale is an old farmhouse and farm buildings. All buildings in poor condition.Farm/pasture in past.Age of buildings uncertain.Taxes have not been verifi ed/updated.Acreage is approx. Buildings could be sold separately. Nice area for hobby farm.Small pond with stream.

Rome $67,900Bring your suitcases! Adorable 2 bedroom - bigger than it looks. Well kept, clean. Located on a less-travelled street. Master bed has large walk in closet. Nice sitting room upstairs. Great sun porch facing large back yard. Owner needs to find and close on suitable housing.

Rome $54,900Your new home awaits...Take advantage of the home buyers credit before end of april with this wonderful home that has many updates; new carpet, floors, paint, doors. Nice sized rooms with large closets. Main floor laundry. Large kitchen. Nice and bright! Welcome

Rome $34,9004 Bed/2 Bath Nice 2 Family Home. Spacious. Good Condition. Large Backyard- to Creek. Garage and plenty of parking. Nice Investment. Furnace for downstairs is 2½ years old.

Rome $179,900Think! This beautiful building houses an adorable up-stairs apartment plus beautiful retail space - currently home to a gift boutique. A greenhouse for additional space, plus a warehouse in the rear. Lots and lots of updates have been made. Possibilities galore! Think of what you can do.

Denise WitchleyLic. Real Estate Broker/Owner

337-0841 offi ce335-6971 cell337-7973 fax

For more information on any of these homes, visit

www.LifeandHomes.com and type in the QSN#

QSN#33858

QSN#33888

QSN#41157

QSN#41156

QSN#33755

QSN#33926

www.homecomingrealty.net • 734 Erie Blvd. W, Rome, NY 13440

Whitesboro $99,900Versatile village home o� ers 4 bedrooms, 2 baths, Large foyer w/natural woodwork, many updates, very well maintained. Lends itself to an in-law or 2 family. Has 2 kitchens & can be switched back to separate utilities. MLS #1000056 Call 736-8000

Floyd $188,500Out in the country you’ll � nd this immaculately cared for & updated Raised Ranch on over 1 acre. 3 or 4 bedrooms, Din Rm, Fam. Rm., Sun rm. Appliances, 2 stall attached & 4 Stall Detached Garages. Convenient to Utica-Rome- Gri� ss MLS# 913225 Call 736-8000

Whitesboro $285,000Springs coming! Get ready to enjoy your summer fun in this me-ticulously cared for Colonial Home on a private Cul-de-sac location. Like new 4 bedrooms 2.5 Baths, Family rooom w/ Fireplace. Up-dated throughout. Granite countertops, 16’ x 16’ Three Season Sun room. MLS# 1000082 Dan Lazarek (315) 542-4338

Yorkville $69,900Bungalow home with an expanded 2nd level 2 bdrm apartment 1st � oor features 3 bdrms. Great for in-law or 2 family. Great price in the Whitesboro School District. MLS# 913363 Call 736-8000

Whitesboro $159,900Just Listed! Completely Updated Spacious 3 Bedroom Ranch W/ Open Floor Plan. Features a New Kitchen, Formal Dining Room, New Bath, Hardwood Floors, Beautiful Family/Sun room Which Leads To Deck & Private Yard. New Bonus Family Room in Lower Level. 2 Stall Garage. Last Home on a Dead End Street. Take a Look at § is HOT NEW LISTING Before it’s Gone! MLS# 1000828 Bob Spencer 601-0170 O� ce 736-8000

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KD Homes featuring

Bill Lake Homes A different kind of home built with pride & integrity by professionals.

Bill Lake has been the leader in building energy effi cient custom homes for over 43 years. Call Dave today!

KD Homes Rt 12 Waterville, NY 13480

841-8700 email [email protected]

web kdhomesny.com

HARDwOOD FLOORING • STAIR pARTS • MOLDING

266 Manwaring Road, pulaski, NY 13142 • 315-298-6407

We StockKILN DRIED

cherry, walnut, maple, butternut, ash, oak, exotics and woodworking supplies

Visit our website anytimewww.lakeshorehardwoods.com

North Utica 3 bedrooms / 2.0 baths




Utica $239,900132 Pazdur Blvd 3 bedrooms / 2.0 baths




Westmoreland $34,900

905 Springate Street - 2 units 6 bedrooms / 2.0 baths




Utica $62,9006062 Lower Lawrence St. 3 bedrooms / 2.0 baths




Westmoreland $225,000

4902 State Route 5 3 bedrooms / 1.0 baths




Vernon $149,90018 Symphony Place 4 bedrooms / 2.5 baths




Whitesboro $368,000

5613 Rt 31 3 bedrooms / 2.0 baths




Verona $87,90055 Main Street 3 bedrooms / 1.5 baths

For more details visit www.LifeandHomes.comType in Quick Search #33894Royal RealtyRobSavoy•315-337-2229



Whitesboro $157,000

7436 St Rt 13 2 bedrooms / 0.5 baths




Vienna $64,900141 Whitesboro Street 5 bedrooms / 1.5 baths

For more details visit www.LifeandHomes.comType in Quick Search #41225NeuDot RealtyDorothyNeumann•315-527-3542



Yorkville $89,900

MuLti-faMiLy

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Otsego County Dairy Farm - 150 m/l acres. Good 2 story 49 stall barn. 45x45 shop & machinery building, 45x45 young stock barn. 2 upright silos w/good un-loaders. Nice 2 story 5 bedroom home set up for two families. 2 small ponds. Very quiet road, beautiful views, nice location. Farm borders nice large state forest. Owner is retiring. Asking $325,000.

Otsego County $325,000

Catskill, NY. Minutes to I87. 100 miles from NYC. 60+/- acre Gentleman’s Farm. Outstanding views of the Catskill Mountains. Great for vegetable growing. 2 large pole barns. Good 2 story 4 bdrm 2 bth Brick Cape style home. Trout stream. Good fi shing & hunting. This is a great place to raise beef or horses, make hay & grow vegetables. Fair offers are being considered! Reduced to sell from $400,000 to $350,000.

Catskill $350,000

Washington County Farm. 383 acre dairy farm situated on a very quiet road with beautiful views of the Adirondack Mountains. 230 acres tillable all in hay. 120 acres of woods. Balance pasture. Good 95 stall Dairy barn ready to milk. Machinery Building, 3rd barn for hay storage. Very nice 5 bedroom home. Year round stream. Awesome hunting. Close to Lake George. Easy to get to from Albany. Mins from I87. Asking $649,000 additional land available for purchase.

Washington County $649,900

Southern Herkimer County NY. Gentleman’s Farm. 58 acres. Very nice 2 story 4 bdrm home. Well kept & maintained. In ground swimming pool. 2 car garage. Good 2 story 36x70 barn. Room for 25 head of cattle. Drive in mow. Hold appox. 5,000 bales of hay. Very nice year round stream. Decent fencing for beef or horses. Great Hunting. Great place for a road side stand. Close to all! Asking $230,000.

Herkimer $230,000

6377 State Route 233, Rome NY • 315-336-7323

Gracious Community Living • Meticulously Maintained • Rome Water Secure • Financing Available • No Closing Costs • Westmoreland Schools

Open Mon, Tues, Wed, Fri, Sat by appointmentMore Available - Come in for a List!

4 BedroomLarge New 4 Bedroom 2 Bath Ranch. New Range and Refrigerator,

Great for Kids, on Cul-De-Sac, Large Deck and Storage Shed $58,900

Beautiful RanchOwner Transferred. Pristine 3 Bedroom 2 Bath Ranch, Central Air, New Windows,

1½ Car Garage, Large Deck, Some Harwood Floors, Jacuzzi. Reduced- Must Sell! $48,900

On Cul-De-SacVery Nice 3 Bedroom 2 Bath Ranch on Cul-De-Sac. Fireplace,

Oversized Insulated Garage New Roof, New Carpet, New Windows $49,900

Our Best BuyJust Remodeled 3 Bedroom 2 Bath Ranch, Central Air, Carport

Storage Shed, New Carpet $35,900

Great Floor PlanSpacious 3 Bedroom, 2 Bath Ranch, 1½ Car Garage, Central Air, Large Deck,

and All Appliances, Including Washer, Dryer, and Dishwasher. $54,900

Near NewNewer 3 Bedroom 2 Bath Ranch, Central Air, Open Floor Plan.

Owner Anxious. $59,900

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You Gotta Have Faith.2306 Genesee StreetUtica, New Yorkwww.Central New York.comEach Office is Independently Owned and Operated

735-2222

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Anthony Vaccarelli Audrey Johnson Barb Roberts Ben Tringo Bitsy Maye-Rattler Bozena Sroczyk Cindy Major Cliff Ganey Deborah Hapanowicz Derby Family Diane Lockwood Henri Abiyaghi Ismail Yildirim Jay Groah Michelle Faga Veronica Coe

Susan MartorellJC PantolaCindy Lazzaro Jenny Carabin Jim Lenahan John Brown Jonathon Smoulcey Judy Hinman Keith Schuderer Kelli Inserra Linda Peters Lori Hamlin Lori Scalise Marcia Archibald Pauline Nicoterra Rick Rodio Rosemarie CostelloBert McCumber

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Adeline Gri� ths

Anne Hameline

Azza Diorgi

Carla Dochterman

Carole Owen

Dave Malozzi

Linda Cavalier

Luis Montero

Mark Canter

Michael Grassi

Paul Durrigan

Ruth Fanelli

Sam Vedete

Tom Conte

Vera Sadallah

Alice Donnelly

Anthony Desarro

Brett Lojewski

Carol Chiarello

Caroline Marino

Kim Johnson

Linda Kuzniar

Marilyn Valvo

MaryBeth Roberts

Pat LoGuidice

Rosemary Nicotera

Sabrina Arcuri

Susan Alberico

Tom Mazzotta

Wade Evans

Campion-Weeks

735-8515141 Genesee St., New Hartford

www.campionweeks.comVoted Top Residential Real Estate Compnay

Sauquoit $284,900Beautiful 5 bd, 2.5 bath colonial in Emerald Hill Estates. DR, FR, fi nished lower level. Double Garage.MLS#1000711www.Campionweeks.com 735-8515

Old Forge $529,000Lovely year round contemporary home. 3BR, 2 baths, cathedral ceiling, stone FP. 133 ft sandy beach front.MLS#803024www.Campionweeks.com 735-8515

Rome $350,000Exceptional opportunity to own this “One of a Kind” 5 bedrm brick colonial. FR, DR, library, 3 full and 2 half baths. Maids quarters. 3 car carriage house w/ apt. Inground pool.MLS#912768www.Campionweeks.com 735-8515

Marcy $229,900Beautiful & spacious brick ranch on 6+ acres. Fireplace, new windows & doors. FR, DR, in-law apt, double garage. MLS#1000532www.Campionweeks.com 735-8515

Whitesboro $299,900Wonderful 4 bd colonial w/ a contemporary fl air. Fr, master suite, 2.5 baths. Applianced kit. Double garage.MLS#1000624www.Campionweeks.com 735-8515

Brantingham Lake $309,900Waterfront, year around home on the lake. Great views, 2 bedrms, many updates. 1 bedrm guest cottage. 2 car garage.MLS#913245www.Campionweeks.com 735-8515

New Hartford $175,000Well maintained 3 bedrm townhouse in Ox-ford Heights. Dining area, 2.5 baths. Updated roof, appliances, fl ooring. Nice deck, att gar.MLS#1000636www.Campionweeks.com 735-8515

New Hartford $249,000Transitional, professional offi ce. Currently a law offi ce. Excellent village location. Rentals on 2nd fl oor. Waiting room, reception, conference room.MLS#911696www.Campionweeks.com 735-8515

Westmoreland $189,000Open fl oor plan we love! 4 Bedroom, 2 bath log home. DR, well built. Park-like setting.

MLS#1000228www.Campionweeks.com 735-8515

Floyd $169,900Wonderful contemporary in a private setting. 3 Bedrms, 2.5 baths. New kit & baths. DR, 2 car garage. Holland Patent schools. MLS#912281www.Campionweeks.com 735-8515

Prospect $149,900Attractive 4 bedrm, 1.5 bath village home. Family rm, dining rm, modern kit, large garage. Pretty yard backs up to park. Holland Patent schools.MLS#912774www.Campionweeks.com 735-8515

New Hartford $169,900Ranch style condo w/ open concept. Dining area, 2 bedrooms, 2 baths. Vaulted ceiling, treed yard. Full basement, attached garage.MLS#1000235www.Campionweeks.com 735-8515

East Utica $129,000Vinyl sided 3 bedrm, 1.5 bath cape in popular area. Enclosed patio, DR. Needs a little TLC. Attached garage.MLS#1000409www.Campionweeks.com 735-8515

Yorkville $164,900Generous size 3 bedrm, 2 bath ranch. DR, fi re-place, sunroom overlooks great yard. FR in lower level, 2 car att garage.MLS#912853www.Campionweeks.com 735-8515

Sauquoit $144,900Lovely remodeled ranch with dramatic fl air. New, state of the art kit, stainless appliances, stone fi re-place, 4 bedrms, 1.5 baths. Double gar. MLS#913299www.Campionweeks.com 735-8515

Boonville $105,900Beautiful,charming village home. 4 bedrms, 1.5 baths, den DR, great yard. Garage. Wonderful detail throughout. MLS#911869www.Campionweeks.com 735-8515

Remsen $125,000Spacious 4 bedrm, 2.5 bath colonial on 4 acres. DR, FR, sunroom. Great view from front porch. 2 car att garage. Being sold As-Is. MLS#912568www.Campionweeks.com 735-8515

East Utica $124,900Neat & clean 4 bedrm cape. Lge kit w/ appli-ances, new deck& roof. Att. garage, double lot. MLS#1000667www.Campionweeks.com 735-8515

Schuyler $61,000Immaculate, newer 3 bedrm, 2 bath double wide. Den or 4th BR, central air, deck. Appli-ances. Located in park just over city line.MLS#1000396www.Campionweeks.com 735-8515

Whitesboro $119,900Great 3/4 bedrm home with original woodwork & hardwood fl oors. DR, updated kitchen & bath. 2 car garage. Large lot.MLS#913095www.Campionweeks.com 735-8515

East Utica $74,900Nice 3 bedrm apt income property. One 2 bedrm apt, two 1 bedrm apts. Separate utilities, vinyl siding. MLS#1000225www.Campionweeks.com 735-8515

New Hartford $64,000Formerly a church & meeting hall. Approx 3000 sq ft on main level. Zoned for 1 or 2 family home. MLS#1000497www.Campionweeks.com 735-8515

Chadwicks $58,000Nice 2 bedrm home in Sauquoit school district. Att garage, full basement. Convenient location. MLS#913327www.Campionweeks.com 735-8515

Yorkville $79,900Quaint & neat 3 bedrm home. DR, sunroom, updated appli-anced kitchen. 2 car garage. Double lot. 2 BRs down, 1 BR up. Vinyl siding, most new windows.MLS#911716www.Campionweeks.com 735-8515

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mortgageCorner

When looking to remortgage, your aim is to switch to a deal that is more beneficial to you and saves you money/increases flexibility etc, whether this be sticking with your present lender or changing to another.

What are the Benefits Of Remortgaging?Remortgaging is a chance to switch from an inadequate mortgage and take full advantage of current products available such as fixed rate, tracker or discount mortgages which can offer you more competitive rates. Choosing the right deal for you is just as important when remortgaging as it was the very first time. Consideration should be given on your prediction of future interest rates, your own risk assessment, your income and the balance of the loan outstanding. You will also need to weigh up your monetary needs and present circumstance.

adverse Credit Remortgages also enables you to cut loose from a dissatisfactory lender as there is nothing to say you should stay with the same one.

doing either of these things when remortgaging may considerably reduce your monthly out goings. This is just one benefit of deciding to remortgage.

say for example you have a loan of 100,000 and are paying a rate of 7.5% interest; you then switch to another lender which has a rate of just 7% interest. This would mean you would be saving 31 each month, that's nearly 400 per annum.

sometimes money tied up in the house could be put to better use else where. for an amount larger than what is needed to repay your original mortgage, remortgaging can release some of this equity to put towards investing in a new business venture or maybe even another property.

How Long Will the Process take?The process of remortgaging tends to be faster than that of a normal mortgage (but slower than adverse credit loans) as in this case you're not buying a property. The whole process without considering individual circumstances should take on average six weeks.

the Cost Of a Remortgageas with your original mortgage, a survey to confirm the value of your property will need to be done as the first one will no longer be valid. add onto this solicitor fees and administrative costs, however these will be lower than mortgaging for the first time and depending on your lender, they may be

able to recommend certain people in association with them that could lower your costs.

There maybe early repayment charges on your existing mortgage. This is when there is a penalty if you redeem the mortgage within a fixed period of time after commencing. for example, this could be additional pay of three to six months or a percentage of the loan amount.

When looking at the cost of a remortgage you also have to look at the possible longer term benefits of the process and the money you could save.

Quick action Planif still indecisive on whether remortgaging could work for you, run through the following points:

Communicate with your existing lender and ask for a redemption statement. This indicates any penalties you will be charged in the event of remortgaging. it also states the amount still left to pay on your current mortgage. When looking at a remortgage deal be sure to look at all the small print and ask the lender to clearly show what your potential repayments would be. it

is always useful to ask for something in writing to use as a reference.

add up all costs payable with any new lender i.e., the arrangement and administrative fees. Legal fees should also be added on, these will vary depending on where you go and the value of your property.

armed with these facts and figures you should then weigh up whether remortgaging will benefit you and whether the long term savings will outweigh the immediate costs of remortgaging.

James Copper enjoys writing on all aspects of finance. He works for any Loans who specialise in the adverse Credit Remortgage and adverse Credit mortgages. source: 1starticles.info

everything you need to Know about a RemortgageBy James Copper

Roger Guerrieri 315-533-7160

Mortgage Originator

Financial Services, Inc.10 Main Street • Suite 200 2nd Floor Whitesboro, NY • HomesteadFinancial.net

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Within three days of receiving your

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provide a “Truth in Lending disclosure

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a very important retirement rule has changed in 2010. in the past, only persons with adjusted gross income below $100,000 could open a Roth iRa. However, in 2010, that income cap went away. and, as an additional incentive to consider a Roth iRa, the income taxes required for convert-ing an existing Traditional iRa or employer Plan (401(k), 403(b), etc) to a Roth iRa can be spread out over 2011 and 2012. no taxes would be due in 2010.

The Roth iRa differs from the Traditional iRa. With the Roth, monies grow tax-deferred and withdrawals are not subject to income taxes. You can contribute to a Roth iRa after age 70 ½ if you have earned income. There is no required minimum distribution (although beneficiaries will be subject to a minimum distri-bution). Contributions to a Roth iRa are not tax-deductible.

There are a number of factors to consider when deciding whether to convert to a Roth iRa: time frame until retire-ment, income taxes, benefits and investment options, to name a few. as with all key financial decisions which may impact your retirement, seeking advice from a qualified pro-fessional is advised.

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• great networking tool • list of Tenants evicted for the past 2 yrs provided to landlords • we are a growing group of landlords that care about our properties and how we are portrayed in the media, come join us and make your voice heard • no landlord is to small we have people with 1 duplex and up, the power is in the numbers

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contact us 725-9298 (John)868-8668 (Howard)

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to See the Progress of the Homes Pictured above, Log On to www.LifeandHomes.com and type in the QSn#.

1 0 5 M a i n S t r e e t w h i t e s b o r o , N Y

www.colonialsquareTwinHomes.com

Laura MinardLicensed Real Estate Salesperson315-768-1680 Ext 205 Office

315-525-1974 [email protected]

3 bedroom, 2 bath home with hardwood floors, designer series gas fireplace, vaulted

ceilings, stone masonry, energy star windows,

formal dining room, granite countertops, and 80%

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2 bedroom, 2 bath town home with granite countertops,

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still available for sale in which the home buyer can upgrade to their personal preference

and satisfaction.

3 bedroom, 2 ½ bath two story colonial with a full,

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insulation, and energy star windows.

Twin Home Prices from $189,900

[email protected]

Under Construction

QSN#33997 QSN#33998 QSN#33999 QSN# 34001

New CoNStruCtioN

North Utica New Hartford North UticaNorth UticaNorth Utica North Utica

North Utica

$319,900

$219,900

$239,900$349,900$209,900

Come to anOpen HouseCall Laura for Showing

Documents

Life and Homes Central New York