Life & Homes Central New York

FreeJuly 2010

Central NY Life and

Homes Sizzling Summer Real Estate Listings

Complete Real Estate Listing Directory @ LifeandHomes.com

Hassle Free Summer Travel

2010 Decorating Trend - Renew Instead of New

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2 We bring people and homes together.

Oneida COunty ny, editiOn

Published ByLISI MERCHANT SOLUTIONS, INC.

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Corporate editorKIM LISI

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Advertising Deadline August Issue

July 23, 2010

Corporate Office Lisi Merchant Solutions, inc.

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Every effort has been made to ensure that home listings, advertisements and

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accuracy of the submitted information to Life and Homes Magazine and assumes no liability.

this information has been compiled from public records and other sources we believe

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from using the contents of this site.Copyright © 2010 Lisi Merchant Solutions, Inc.

David P. Lisi , RMCReal Estate Marketing Consultant315-865-5845 • [email protected]

David P. Lisi

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Mortgage Originator

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

100% Purchase Money Loans NO Downpayment • NO Monthly PMI

Call for Details

Licensed Mortgage Banker • NYS Banking Department

Adam Hearty 315-404-5253

Mortgage Originator

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LOWEST Rates in the Area!

Life and

HomesFor Just A Little More…House hunting can be exciting, frustrating, exhilarating and exhausting. If you’re just beginning the process, prepare yourself to look at many houses before you find “the one”. Beware, though, of the “super-size” it temptation. You know the drill. You order a small (fill in the blank) and the helpful cashier reminds you that for just a few cents more, you can super-size your order.

It’s pretty common for potential buyers to lose focus somewhere in the shopping process. You start out looking for three bedrooms and two baths but once you walk through that corner house with the extra room that could be used as a spare room or den, you’re tempted to spend just a little more to get a little more. Before you know it, instead of looking at houses safely within your target price range, you’re touring homes on the high end of that budget and convincing yourself you “deserve” the extra space.

How do you combat the temptation to over-shop? Make a checklist of the things you’ve decided ahead of time are a “must have” for your future home. This might include a specific number of bed/bath rooms, location, storage space, move in condition and, of course, price point. Make a commitment to stick to your budget and “must have” list, and if you’re using a real estate agent, insist they only show you listings that meet your specific criteria. Find someone who will hold you to your list and listen when they remind you you’re straying outside your boundaries. Saving just a little more generally yields more favorable results than spending just a little more.

LifeandHomes can make your home search easier. This issue features some of the best real estate deals on the market in a wide variety of price ranges. visit www.LifeandHomes.com and use our Open Market Listing ServiceTM to view even more real estate listings including residential, commercial, waterfront, multi-family and land/lot properties. Mortgage rates are holding at record lows and the market is brimming with listings. July is shaping up to be a great month for buyers and sellers. Get your checklist together and start house hunting. You know the drill.

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You can do that with vinyl siding? With the economy making a slow rebound, homeowners continue to look for cost-effective options when building or renovating their home. Natural exterior building materials are often very expensive and require both time and money to maintain. Choosing vinyl and polymeric siding is one way people are saving on building materials. Both siding options, which many considered at one time to be fake-looking or boring, have become one of the most versatile, detailed and eco-friendly home exterior products available on the market today.

Throughout the last few decades, vinyl cladding products have evolved from simple, smooth, non-engineered panels without much detail, to now include hundreds of colors including dark hues, engineered features that drastically improve on-the-wall performance, and computer digitized woodgrains from real wood to create authentic-looking accents and profiles such as shake, shingle and scallops. The ability of manufacturers to create natural-looking products that can be customized for a wide range of home styles means that homeowners in every part of the country can find a style that suits them.

For more information about the attributes of vinyl siding, visit www.plygem.com, and check out www.bsbdesign.com for ideas on personalizing your home with vinyl siding. (ARA)

Colorful Home Decorating IdeasWhen you’re ready for a change, you can have a new home without changing your address. How? With paint. Homeowners looking to change up their decor have found that color trends in home design are deeply rooted in

both “then” and “now.” The idea of decorating using colors that reflect the new and the old takes shape by showcasing classic, calming neutrals with a few energizing standout colors, such as bright pinks and yellows.

The Colors of “Then”--For those looking to incorporate a more classic feel into their homes, neutrals such as deep gray-brown, muted and warm beiges and asphalt gray-blue are choices that work together to create environments that are calm and organic. Together, they allow for a merging of modern and rustic styles. Creamy whites, serene sea foam blue-green, pale butter and deep bronze-golds with metallic finishes provide a similar feeling, but can create a more refined and romantic space.

The Colors of “Now”--Homeowners interested in giving their spaces a more dramatic pop can join the trend toward incorporating bright, vibrant colors into the home. Profound pinks and rusty oranges can be found playing against off-whites and stony grays to create a space that is sensual, eclectic and worldly. Playful yellows in combination with pure white and sleek black pack a punch and are great for the home decorator who isn’t afraid to make a bold statement.

“Frivolous choices are a thing of the past,” says Dee Schlotter, paint color expert at The voice of Color, PPG Pittsburgh Paints. “Today’s color trends have staying power. You renew instead of buying new. You choose sustainable colors with an environmental and economic awareness that’s becoming second nature for us all.”

Whether you want to stick with the classic colors of then, the current colors of now or create your own style, you’ll want a high-quality paint brand that offers a variety of color choices. For example, PPG Pittsburgh Paints has nearly 2,000 colors, unique color palettes and yearly color trends.

To learn more about the latest colors and trends and to find a nearby paint dealer, visit www.voiceofcolor.com. (NAPSI)

HUD Housing For VeteransU.S. Housing and Urban Development (HUD) Secretary Shaun Donovan announced nearly 8,000 homeless veterans will get permanent housing assistance through a HUD rental as-sistance program that connects homeless vet-erans from local veterans Affairs Medical Centers (vAMC) with rental assistance vouch-ers provided by local public housing agen-cies. HUD’s veterans Affairs Supportive Hous-ing Program (HUD-vASH) will provide local public housing agencies with $58.6 million in funding specifically targeted to assist home-less veterans in their area.

For a local breakdown of the rental vouchers, visit hud.gov

REAL ESTATETop performers

Coldwell Banker- Faith

Linda Peters315-527-1252May Sales volume:$803,800

Coldwell Banker- Prime Properties

Jodie deCosty315-723-8554June Sales volume:$504,000

Great Job!

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newsShorts

LifeandHomes provides Free Access to

High Definition real estate Videos on Demand

Local Homes For Sale

Go to www.LifeandHomes.com

click on

“Video Channel”

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

email: [email protected]

LH

tips and Gear To Make Travel More enjoyableGetting the right on-the-go gear is an easy and affordable way to avoid the stress of traveling and can keep everyone entertained. Here are some helpful tips to make your vacation more enjoyable:

• Bring a survival kit--Travel plans don't always go smoothly, so ensure you can keep everyone in good spirits in the unlikely event of a break-down or airport delay. Essentials such as snacks, sunscreen, bottled water, first-aid supplies and a flashlight can help you weather the unexpected. The little extras--coloring books and crayons, a favorite pillow or blanket, DvDs to watch en route and a Kindle loaded with your favorite books (available nationwide at Target)--will keep everyone comfortable and occupied.

• Watch the road--Having maps handy will take the hassle out of any road trip--or even the quick drive across town. A GPS navigation system is a must-have to keep your travels headed in the right direction. Most GPS systems can guide you through unfamiliar areas; suggest an alternative route around rush hour traffic; find the closest hospitals, police stations and fuel stations; and perform an increasing array of infotainment functions. Printing out airport or roadside maps ahead of time lets you preplan your pit stops and make the most of every minute.

• Keep kids entertained--Keep boredom at bay by bringing along entertaining gadgets such as the RCA 10" portable Blu-ray player ($299.99 at Target) or the new big-screen Nintendo DSi XL handheld that will keep kids of all ages amused for hours, on and off the road.

• tune in or out--Take your iPhone or iPod Touch and you can use free apps such as Pan-dora Internet Radio and Shazam to turn your trip into a musical adventure. Just make sure you don't forget an iPhone/iPod car stereo

adapter-they're available for almost any car, whether you have an auxiliary input, AM/FM adapter or a tape deck connection. Also, bring along some headphones for those family mem-bers who prefer to travel to the beat of their own iPod.

• Capture the moment--Don't miss a moment of the fun--capture it on video so you can share and remember your trip for years to come. With the Flip MinoHD Camcorder, it's easy to film your own videos and upload them directly to Facebook or to your computer. The Flip is a stylishly small, pocket-sized device and it's available for $199.99. (NAPSI)

Countrywide Fined $108 Million

For OverchargesTwo Countrywide mortgage servicing companies will pay $108 million to settle Federal Trade Commission charges that they collected excessive fees from cash-strapped borrowers who were struggling to keep their homes. The $108 million will be used to reimburse overcharged homeowners.

According to the complaint filed by the FTC, Countrywide’s loan-servicing operation de-ceived homeowners who were behind on their mortgage payments into paying inflated fees – fees that could add up to hundreds or even thousands of dollars. When homeowners fell behind on their payments and were in default on their loans, Countrywide ordered property inspections, lawn mowing, and other services meant to protect the lender’s interest in the property, according to the FTC complaint. But rather than simply hire third-party vendors to perform the services, Countrywide created subsidiaries to hire the vendors. The subsidiaries marked up the price of the services charged by the vendors –

often by 100% or more – and Countrywide then charged the homeowners the marked-up fees.

Countrywide earned substantial profits by funneling default-related services through subsidiaries that it created solely to generate revenue.

According to the FTC, under most mortgage contracts, homeowners must pay for necessary default-related services, but mortgage servicers may not mark up the cost to make a profit or charge homeowners for services that are not reasonable or appropriate to protect the mortgage holder’s interest in the property. (FTC)

59% of homeowners with a mortgage would not consider walking away from their home no matter who much their home is ‘underwater”.

- Survey by Trulia and Realtytrac.

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Rome $649,900

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When it comes to your kitchen, details make all the difference. It’s often the most used and best-loved room in the house, so having a room that meets your needs and expresses your personality is key. If your kitchen’s design has been frustrating you by creating clutter and giving your home an out-of-date feel, it’s time to make some changes.

The good news is that, because details carry so much weight, making relatively small adjustments can have a lot of impact without being prohibitively expensive.

One of the simplest changes you can make is changing the hardware on your cabinets, but this little move can completely alter the feel of your room. Whether your cabinets are minimalist, traditional or somewhere in between, you can give them a different spin by changing the finish or style of your cabinet knobs and handles.

Right now, trends are leaning toward softer, muted finishes like oil-rubbed bronze and brushed nickel. The Aspen line from leading decorative hardware maker Top Knobs is available in wide variety of styles, whether you’re looking to change the cabinet hardware in your kitchen, bath or on your closets.

“While it used to be that rubbed bronze was used in rustic, cabin-like settings, it’s now being used in a wider variety of kitchen styles,” says David Tyler of Top Knobs. “When it’s styled in a contemporary way, it completely changes the effect and it can be used in kitchens that range from transitional to modern.”

No matter what kind of decor you have, pay attention to quality. It’s easiest to gauge this if you can feel and see the products in person. While you can go to a show room to test things out, Top Knobs also sends out free samples of its solid, hand-finished metal drawer knobs and handles. You can place a sample order through their website, www.topknobsusa.com, and in a couple of days, you’ll be able to try out new cabinet hardware right at home.

If your cabinets have started to feel dated, it might be time for a complete change. Sleek, modern cabinets with subtle details are growing in popularity, but many homeowners are choosing to combine elements of traditional style with newer developments for a look that is both clean and comfortable.

Cabinet colors are proliferating, giving you more choices. Today, if you want cherry cabinets, you can choose from an array of warm, rich tones instead of only having one option. For those looking for a fresh, light feeling in the kitchen, white cabinets are still the go-to solution.

It’s OK to get a bit more creative with the color of your walls, letting them say something about you. When making paint choices, look to color forecasts. This year, it’s all about tones found in nature, from the bold (coral, turquoise, bright yellow and red) to the soft (blush pink, muted greens and soft browns).

Again, it’s important to see how things will look in your house, so use cabinet and paint samples offered by many retailers. The light in your home could cause the color that won your heart in the store to look totally different.

Perhaps the quickest fix of all, and one that you can make today, is to clear clutter. When too many gadgets crowd your countertops or papers collect on the fridge, the space can feel chaotic. If you need to rearrange the contents of your cabinets to find storage space, make a weekend project out of it.

While you’re doing the re-arranging, look for items that you can do without and set them aside for a yard sale or donation to a charity. The ultimate luxury of having more storage space will mean more than having a gadget you use once a year. When things are all in their right places, you can tackle the next step in reviving the look of your kitchen. (ARA)

newsShorts

Spotlight on a Safer Home Mon thur Friday 3:00 EST with Talk Host Rob ThrasherMost of us have heard about the necessity to soften the water, sometimes pour chemicals into the

water and other things, but did you know that there are other tests you should perform on your well

water every year? According to the NY State Department of Health, you should test for Coliform

every year during the wet seasons. How many of you were not aware of that?

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Simple Fixes That Will Make

Your Kitchen Feel Brand New

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Rome $259,900Meticulous home with soaring ceilings, hardwood fl oors, fi replace, beautiful landscaping. Adjacent to the Rome Country Club.

Sauquoit $239,900Updated farmhouse with new kitchen. Detached garage, barn and guesthouse on 7 beautifully landscaped acres with view.

New Hartford $168,500Spacious ranch with 4 bedrooms and 2 full baths. Oversized family room with fi replace and beautiful screened porch.

New Hartford $187,000Well maintained 3 bedroom 2.5 bath home. Oversized living room and master suite. Finished walk-out basement.

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

Marcy $279,900Fabulous 4 bedroom transitional with 2-story entry, hardwood fl oors, cherry kitchen with granite, master bedroom suite.

New Hartford $529,000Sophisticated 5 bedroom, 3.5 bath home with distinctive architectural elements, open fl oor plan, and home theater.

Utica $99,900Conveniently located 3 bedroom ranch with gorgeous yard and oversized deck. Completely updated interior.

New Hartford $439,000Gorgeous custom built 3 bedrooms, 2.5 bath home. Master bedroom suite, quality kitchen, 3 car garage and much more.

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

New Hartford $379,000Fabulous home with 3,750 sq ft of living space. Open entry, two fi replaces, custom kitchen with granite, 3 car garage.

Clinton $324,000Restored village home. Historic character with modern conveniences. Beautiful master bedroom suite and deluxe kitchen.

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#1 Coldwell Bankerin New York State

Oneida $310,000 This 4 bedroom 2.5 bath home sits on almost 7 acres. Cherry woodmode kit., lge GR, private library & outdoor veranda.Call me for your private showing. Jan Cidzik Ext. 209

Sauquoit $329,9004 bedroom updated farmhouse with retail possibilities! 78 acres, incredible hillside views, riding trails, outbuildings, 3 barns & storefront! Richard Parent Ext. 203

Deerfi eld $369,900Stunning 4 bedroom 2.5 bath home located on 10 acres of prime real estate. Tour this home at: www.5770WalkerRoad.com. Call me today.Gloria Rocci Ext. 217

Ilion $290,000Graceful arches adorn the façade of this distinctive 4BR executive home. Sunken family Rm w/20ft ceilings, wall of windows and 3 full baths. Lisa Filletti Ext. 206

Mohawk $289,900Located on 10.7 private acres. Pole Barn with electric, gas & water. Updated interior with custom window treatments. Call for more details.Debbie Roberts Ext. 239

Clinton $288,500Tucked away on this beautifully land-scaped large lot & priced to sell! 4 BR, 2.5 baths, visit www.43HomesteadRoad.com for more details. Jan Cidzik Ext. 209

Clinton $259,900Magnifi cent view and privacy. 3 BRs, 2.5 baths, gorgeous kitchen with all appl. double garage and more on 2.25 acres. Only 10 years young. Kathy White Ext. 215

Marcy $279,900Buckland Estates - 3 BR/2BA ranch at $279,900 and 4 BR/2.5 bath bedrooms, 2.5 baths priced at $269,900, call for fl oorplans and location. Laura Minard Ext. 205

New Hartford $237,750Ready for you. New kitchen, Fam. Rm. W/fi replace, 4 lge bedrooms, 2.5 baths and more. Visit www.1434graffenburgroad.com for more exciting details. Call today.Kathy White Ext. 215

Rome $259,900This spacious home boasts soaring ceilings, large windows, hardwood fl oors and fi replace. Beautifully land-scaped, bordering country club. Gaetano Belmonte Ext. 202

Clinton $209,000Reduced. This is a beauty with a magnificent view and private. 3 BRs/2 full BAs, all new hard-wood floors & windows. Lots of updates. Website: www.128fountainview.com Kathy White Ext. 215

Frankfort $259,900Meticulous inside and out, enclosed breezeway. Woodmode kitchen cabinets, bedroom on 1st fl r., masonry stone fi replace, awesome landscaping. Gloria Rocci Ext. 217

Colonial Square $199,900Dreaming of owning a new home? That dream can come true. Affordable quality homes available. 2BR 2BA w/radiant fl oor heat. 3BR/2BA @ $219,900. Laura Minard Ext. 205

Cleveland $259,000Reduced. 5 BR, 2.5 bath contemporary log home on 25.8 acres, 3 car detached garage & 3,543 SF of living space.

Ryan Kirch Ext. 222

Clinton $199,900WOW. 2,756 square feet. 5 BR/2 BA cherry kitchen with granite counters, all new replace-ment windows, two story barn and so much more. Website: www.3338stateroute12b.com Kathy White Ext. 217

4957 Commercial Drive Yorkville NY

Call 768.1680

Holland Patent $299,9008815 Thompson RoadThis 6 year young ranch sits on 10.4 acres! Dramatic LR w/fi replace; kitchen has corian counters and fully equipped, master suite w/private bath, 2 additional bedrooms, and offi ce. Incredible views from the front porch. Call today.Jodie DeCosty Ext. 201

Home Highlight

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The Area’s Premiere Real Estate Search Engine!

New Hartford $179,900Updated spacious Colonial w/large rooms and almost a 1/2 acre of property. New stucco exterior, roof, patio, porch, & insulated windows. Call for more details. Scott Kelley Ext. 242

New Hartford $168,500Spacious ranch boasting oversized family room with fi replace, 4 bedrooms, 2 full baths and hardwood fl oors.

Gaetano Belmonte Ext. 202

New Hartford $156,900Delightful Colonial in meticulous shape. Classic design with numerous updates; gleaming hardwoods, working fi replace, updated kitchen with its own Formal DR.Scott Kelley Ext. 242

New Hartford $187,000Meticulous 2-story center hall home on very desirable street. Featuring 3 bed-rooms, 2.5 baths, oversized livingroom.


Camden $155,0001700 SF contemporary offering 3BR, 2.5 baths, and an attached 2 car garage. Large fi nished walkout bsmt. w/workshop. “Prime location”.Ryan Kirch Ext. 222

West Winfi eld $149,900Enjoy morning tea in exquisite 4 season sunroom, Bruner Mansion antique wain-scoting, private bedroom balconies & Woodmode kitchen. A quality home.Richard Parent Ext. 203

East Utica $89,900Strong curb appeal in this large E. Utica 2 family home, let your rent pay your mortgage! Separate utilities, each unit offers 3 Br’s. Call for more details.Richard Parent Ext. 203

New Hartford $119,900Cute as a button! Updated througout; eat-in kitchen opens to LR. Features 3 BRs, vaulted ceilings, & hardwoods plus much more. Call for details. Jodie DeCosty Ext. 201

Deerfi eld $219,900Extremely well maintained 3 bedroom 2.5 bath home. A must see!

Laura Minard Ext. 205

Holland Patent $117,500Amazing village home with updates galore! Formal LR & DR, updated country kitchen, 1.5 newer baths, offi ce, 1st fl oor laundry, 3 bedrooms.Jodie DeCosty Ext. 201

Deerfi eld $249,5003 BR/2.5 bath contemporary home. Vaulted ceilings, eat-in kitchen, formal dining, 1st fl r Mstr. & laundry area. Whitesboro Schools. Diana Raymond Ext. 207

Clinton $114,900Move right in to this Clinton charmer! Character throughout, LR, DR, country kitchen, 1st fl laundry, newer bathroom, 3 bdr, sun & side porch. Call for updates. Jodie DeCosty Ext. 201

Holland Patent $69,500Charming 2 story with 1.8 acres. Updated kitchen, bath & laundry rooms. 2 roomy bedrooms, 1 bath, and attached 2 stall garage. Betty hurry!Jodie DeCosty Ext. 201

Utica $99,900Updated 3 bedroom ranch with open fl oor plan. Convenient location. Gorgeous yard with oversized deck.


Clinton $69,900Brand new doublewide in Applewood Community/Clinton School District. Bring your things & move right in! Offering 3 bedrooms, 2 full baths.Jodie DeCosty Ext. 201

www.ColdwellBankerPrime.comCall 768.1680

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#1 Selling Coldwell Banker in the Mohawk Valley

Whitesboro $104,900Spacious rooms, . Formal LR, DR, 2 full baths, hot tub, hard wood floors, 4 bedrooms, 2 stair cases, 1st floor laundry, walk-up attic & much more to see.

Utica $54,900Adorable, meticulously maintained 3 BR bungalow. Bright eat-in kit, formal LR & DR. New windows, 1 yr old furnace, hardwood floors, large front porch.

Lots for Sale

MLS# 1000418 15 White Birch, E. Utica $29,900

MLS# 1001882 Mohawk St, New Hartford $49,900

MLS# 912483 Thompson Rd , Holland Patent $19,900

MLS# 912598 Bell Hill Rd, Deerfield $19,900

New Hartford $298,900What a home. Large kit w/ bfast bar, eat-in w/ skylight, spacious fr w/ wet bar, master bedroom w/ attached sun room w/ cathedral ceilings w/ skylights w/ another sliding door leading to wooded deck, newer roof, furnace.

Holland Patent $179,900Move-in condition, sprawling ranch on approx 6.75 Acres, lg eat-in kit w/ new counters, sink, floor, microwave, dishwasher & stove.

Whitesboro $124,000Your quintessential cape cod in a wonderful neighborhood, 3 bedrooms, 1.5 Baths, hardwood floors, covened patio, beautiful back yard. Vinyl siding.Lori D’Onofrio Hamlin

Associate [email protected]

Cell: 315-790-0990Offi ce: 315-735-2222 x41

Fax: 315-735-1727

Thinking of Buying or Selling?Contact Me TodayFor a Full Time Professional Advice & Service

FAITH PROPERTIES 2306 Genesee Street, Utica, New York 735-2222http://lori.centralnewyork.com

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Your All Inclusive Home Directory LifeandHomes.com 2063 Route 26 7 Bedrooms / 5.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41516New Nest RealtyAmyLaClair•315-790-4153

Lic. R. E. Broker • [email protected]

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

Agusta $240,000266 Rider Road 3 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41624Prudential J.R. Carucci Real EstateChristineOssont•315-733-0463

Realtor • [email protected]


Clayville $399,900

9551 Mullen Hill Road 215 Acres, $5,000-$25,000 per acre

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

FSBO


Ava $5,0006/8 Taylor Ave / 41.5 Utica Street Development Opportunity

For more details visit www.LifeandHomes.comType in Quick Search #41608Clinton Real EstateBarbaraFrank•315-853-4400



Clinton $475,000

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 $174,90069 Stebbins Drive 4 Bedrooms / 2.5 Baths




Clinton $219,900

8365 Sand Road 5 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41627Prudential J.R. Carucci Real EstateLenPugh•315-736-4443

• [email protected]


Barneveld $229,000124 Utica Street 5 Bedrooms / 2.5 Baths




Clinton $249,000

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 $350,0003667 Harding Road 6 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #33931Clinton Real EstateBarbaraOwens•315-853-4400

Associate Broker • [email protected]


Clinton $269,900

A Tradition of Customer Service

that lives on in our Prudential Team!

www.prudentialcarucci.com(315) 733-0463

Joseph R. Carucci Real Estate600 French Rd., New Hartford

#1Customer

Service

MidStateContracting

Barry Kotary7710 McKern RdRome, NY

Siding • Decks Windows • Additions

Overhead Doors Fully Insured

FREE Estimates

315.335.8073

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LifeandHomes.com Your All Inclusive Home Directory

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 $92,50010442 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 $279,000

7841 Kellogg 3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41538Coldwell Banker Prime PropertiesJodieDeCosty•315-723-8554

Lic RE Associate Broker • [email protected]


Clinton $114,900302 Tumbleweed 3 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41355Coldwell Banker Prime PropertiesLauraMinard•315-525-1974



Deerfield $219,900

7349 Pryor Rd 3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41371Dominion HomesAmyAbdoo•315-794-2653



Clinton $229,9005293 Charles St. 2 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41476Dick Stanton Real EstateMikeMcNaughton•315-264-3081

Assoc. Broker • [email protected]


Durhamville $44,000

3706 Sweeney Road / 15 Acres 3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41211Barbara Dunn RealtyBarbaraDunn•315-337-1677



Constableville $127,0006659 Higginsville Rd. 4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41486Don Kingsley Real EstateThelmaChase•315-363-5464



Durhamville/ $99,900

3708 Sweeney Road 2 Bedrooms / 1.0 Baths

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



Constableville $99,9006651 Higginsville Rd. 3 Bedrooms / 3.0 Baths




Durhamville/ $154,900

315-796-2258

286 Genesee St Suite 1 Utica, NY 13502

www.sBG-realty.comTop 10 things to do whether you are buying or selling:1. Call Joel Siegfried(He will handle the rest.)

You don’t need to be an expert to buy or sell real-estate! You

need an expert working for you. I supply you with the information you need to make informed choices. We can work together to get you and your family what you need in the time you need it. Pick up the phone and interview me for the job of being your Agent! 315-525-1974 Cell Phone Anytime • [email protected]

Laura MinardColdwell Banker Prime Properties

Phone: 315-768-1680 x 205 Web: lauraminard.com

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

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Your All Inclusive Home Directory LifeandHomes.com 7683 McCormick Rd. 5 Bedrooms / 2.0 Baths




Hamilton $160,000100 Harbor Shore Drive 6,000 Sq Ft Townhouse

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



Lakeport

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 $54,500Buckland Estates New Construction

For more details visit www.LifeandHomes.comType in Quick Search #41653Buck ConstructionBuckContruction•315-736-0865

Contractor/Developer • [email protected]


Marcy $299,900

8651 Edwards Rd - Land for Sale 8 Acres




Holland Patent $29,9006386 Glass Factory Rd 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 $151,900

8801 Thompson 2 Bedrooms / 1.0 Baths




Holland Patent $69,90038 Church Street 3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41324Bruce Ward & CompanyLeslieNicolette•315-985-0212

Lic. R.E Salesperson • [email protected]


Mohawk $94,500

4216 Bristol Rd. 3 Bedrooms / 1.0 Baths




Kirkland $59,90014 Dixon Road 2 Bedrooms / 1.0 Baths




New Hartford $79,000

Kay Real Estate, established in 1983, has been serving Oneida and surrounding areas for 25 years. Their success can be partly attributed to the community itself by being centrally located between 2 major cities helping to make Oneida an excellent place to reside. Please feel free to contact us to discuss how we can assist you with your real estate needs.

126 Main St., Oneida, NY • 315.363.9191 • www.kaysteam.com

Kay Real Estate8086 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!

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10132 Mallory Rd. 3 Bedrooms / 2.0 Baths




New Hartford $349,90010 Woodlawn Village 3 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41626Prudential J.R. Carucci Real EstateWillinetteCohen•315-733-0463




26 South Hills Drive 4 Bedrooms / 3.0 Baths




New Hartford $255,00014 Colonial Drive 3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #33822RE/Max All ProTonyAbone•315-339-2222




24 Deerpath Drive 5 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41634Kay Real EstateJayneWentworth•315-363-9191



New Hartford $249,900Chenango County Dairy Farm 4 Bedrooms / 2.0 Baths




Norwich $350,000

3 Slaytonbush Lane 3 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41625Prudential J.R. Carucci Real EstateEdwardJeckel•315-733-0463

Lic R.E Associate Broker • [email protected]


New Hartford $295,900Chenango Cty Equine Facility 4 Bedrooms / 2.0 Baths




Norwich $450,000

26 Rockport Road 3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41361Prudential J.R. Carucci Real EstateStephenDellerba•315-725-9152

Lic. R. E. Agent • [email protected]


New Hartford $179,500217 Sands Street 3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41638Kay Real EstateChrisRosbrook•315-363-9191



Oneida $154,900

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

Phone: 315-527-3542 Email: [email protected]

Barbara Dunn Realty

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

Professional Affordable &

Done on Time.We don’t only inspect, we educate you about your new home and give you

Peace of Mind.

NYS License#: 16000019454

Brian Dornburgh

315-865-6793814-512-2275

[email protected]

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Kathy White Lic.Assoc.R.E.Broker

4957CommercialDrYorkville,NY13495

315-768-1680

We Never Stop MovingRelocating Families for over 23 years!

4074 Cleary RoadClinton $699,900

A Clinton Masterpiece Enjoy the experience & beauty of total privacy on almost 14 acres. This truly unique custom built home has it all. Brazilian hardwoods, vaulted ceilings, mostly granite counter tops, butlers pantry & wine center. 2nd flr. loft overlooking the gracious fireplace Living Rm 3.5 baths & more in over 4,000 square feet of living space. For complete information, visit www.4074clearyroad.com

1434 Graffenburg RoadNew Hartford $237,750

Absolutely a beautiful ready to move in Colonial. All new kitchen and appliances. Warm and inviting family room with wood burning fireplace, Formal dining room, huge living room, some replacement windows, new french door to a private 61’ deck which houses a out side wood stove for cozy nights under the stars. Check out the web site at www.1434graffenburgroad.com

3338 State Route 12BClinton $199,000

Beautifully remolded Victorian home with tons of updates offering 2,752 Square feet of living space. 4 or 5 Bedrooms, 2 full baths, Library, Fireplace, gorgeous hardwood floors, Beautiful formal living room Formal D/R, a gorgeous cherry kitchen with granite counters and all new appliances, main floor laundry. Check out the web site www.3338stateroute12b.com

3871 Skyline DriveClinton $259,000

This home is only 10 years young and offers space, light and a magnificent view on 2.25 acres. Located near Hamilton College this home features include 2.5 baths, 3 spacious bedrooms,a gorgeous kitchen with a center island, solid surface counter tops and all appliances. Plenty of storage and pantry space in the hall. Check out the web site at www.3871skylinedrive.com

128 Fountain ViewClinton $209,000

This beautifully maintained home is ready for immediate occupancy and offers 3 bedrooms and 2 baths, Open living room with a red brick fireplace and a beautiful view, formal dining room. All appliances are included plus a walk out basemement. Hardwood floors in all the bed-rooms. Tiled floors in baths, entrance and kitchen. Check out the web site at www.128fountainview.com

Ridgecrest Rd Lot size 140’ X 240’Marcy $18,000

Perfect location and setting for a A-Frame , Raised Ranch or Split Level. Wooded and sloaping wtih an Adirondack feel. Water, Sewer and Electric available at the Road. Whitesboro School System. Just minutes form North Utica and Route 49.

VAcANt Lot

Holland Patent

Formoreinformationgotowww.coldwellbankerprime.comandtypeinMLS#1001843

Jodie DeCosty Lic.Assoc.R.E.Broker

4957CommercialDrYorkville,NY13495

315-768-1680

Whybuildwhenyoucanownthis6yearyoungranch

seton10.4Acres!Dramaticlivingroomwithfireplace,

kitchenhascoriancountersandfullyequipped,master

suitewithprivatebath,2additionalbedrooms&fullbath,

office,1stfllaundry.Frontporchforyourenjoymentof

theincredibleview!

Featured Home8815 Thompson Road $299,900

PRIME PROPERTIES

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The Jay Groah TeamLicensed Real Estate Sales Agents

315.735.2222 (office)315.272.3975 (jay)315.725.1608 (brandon)

Average Home Days On Market: 94

812 Herkimer Road, Historic Three-Family on a beautiful

1.8 acre park-like yard.

N.Utica $154,900

8140 Glenwood Dr Fantastic neighborhood for this raised ranch. Central air, an acre lot.

Floyd $139,900

5502 Maynard Park,Beautifully Renovated 2,000 s.f. 4 bed 2.5 bath home!

Marcy $119,900

2812 Milton Pl,Lovely Remodeled S.Utica Bungalow. Superb Neighborhood!

S. Utica $109,900

703 Lee StreetBeautiful remodeled ranch! Gorgeous

new kitchen and bath. Must-See.

Rome $79,900

999 Fountain Street, KirklandWhat a value! 1800 s.f. 3 bed 2 ba

new construction ranch in Clinton!

Kirkland $229,900

12 Gridley Blvd New from top to Bottom! Great ranch with

huge 2 stall garage and beautiful corner lot.

Sauquoit $99,900

8824 Parker Hollow Road

Incredible 200-year old Greek Revival

home on 5 acres.

Barneveld $229,900

Our DOM:

30 Days

www.GetPackingCNY.com

JayListing Coordinator

BrandonBuyer Specialist

JordanOperations Guy

Faith Properties

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Congratulations to theseTwo Top Selling Agents!

2306 Genesee Street, Utica, New York 735-2222Visit www.CentralNewYork.com for the best local searches!FAITH PROPERTIES

Jay Groah Kelli Inserra

May Stars

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SCAMPONEREAL ESTATE

797-7100

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

s c a m p o n e r e a l e s t a t e . c o m

South East Utica

Popular SE Utica location offers this 4 bdrm colonial in mint condition. Situ-ated on over 1 acre w/private rear yard. Gorgeous updated kit, fr w/full wall of brick fi replace & hdwds. Generous sized bedrooms. If you are quality conscious, this is the home for you!

$224,000MLS #1001373

Sylvan Beach

Immaculate updated, 3 bdrm, 1 bth, year round home. Situated on a double lot with a covered pavilion. Completely renovated in 1995 w/open concept of living room & kitchen. Let your summer fun start here or enjoy all year round.

$154,900MLS #1001534

New Hartford

All new interior from fl oors & walls to ceiling, windows, furnace, kitchen & baths. 3 bdrm, 2.5 bath, w/ 1st fl oor master, master bath, 1st fl laundry, formal dining overlooks sunken family room, tiled foyer & kitchen, 2 bdrms & playrm/computer rm on 2nd fl oor. New York Mills schools. Situated on a double lot w/ screened sun porch. All new & incredible buy!

$134,900MLS #1000989

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 bedrooms, 2.5 baths. An exquisite sunroom leads you to a park like yard with gorgeous gardens and an ivy covered rock wall.

$299,000MLS #1000669

Frankfort

Contemporary styled home located on cul-de-sac in rolling hills, features 3 br, 2 1/2 bths. Master suite on 1st fl r. Balcony overlooking fr & dr. Front end eat in kit. Oversized 2 stall garage. Great covered porch in rear. Good value, great location.

$184,500MLS #1001414

South Utica

Affordable South Utica colonial with newer roof, recently painted stucco exterior. Large walk-in closet for 2nd fl oor bedroom. Spacious LR&DR, Hardwoods under carpet. 1st fl oor laundry & 1/2 bath. Large entry w/ closet. Convenient location.

$59,900MLS #1001626

South East Utica

Pride of ownership shows thru on this won-derful 4/5 br cape. Meticulously maintained w/beautiful gardens w/in the fenced yard. Great fam rm w/pellet stove, lr, dr & 1 1/2 bths. Hdwds under 1st fl r carpet. Radiant heat on 1st fl r. A home you’ll be proud to call your own in this sought after location.

$159,000MLS #1001409

East Utica

Updated 3 bedroom, 1 bath ranch in a very desirable East Utica location. All new vinyl windows, drive, interior & exterior doors. New bath, freshly painted interior, hardwoods throughout. Updated furnace & electrical. Steel beam construction.

$139,900MLS # 1001081

Utica

Well maintained historical building situated close to state offi ce building, Oneida County court house and retail businesses. Property has 2 separate deeds, one designated for offi ce building, one for parking lot included in sale. See broker for additional information.$94,500

MLS #1000833

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. $164,900

MLS # 1000641

Verona Beach

Premium 100’ waterfront lot on South Shore w/ spectacular sunset views! Build your dream summer retreat or your year round lakefront condo or home. Perfectly located; 1.5 miles to the hustle of Sylvan Beach and 10 miles to the Turningstone Resort Casino. Here you can have it all!

$349,000

NEW LISTING Frankfort

Totally renovated townhouse in rolling hills. Newer roof, new kitchen, fl ooring, appliances, windows, insulation, heating & air conditioning. Better than new. Nicely Done.

$109,900

NEW LISTING

New Hartford

Traditional architecture embraces modern day living in this 4 bdrm, 1 ½ bath brick colonial. Center hall foyer lends way to large principal rms, formal dining, fp in fr. Hrdwd fl ring & crisp, clean lines carry throughout. Classic built ins in almost every room boasts character & a rich interior distinguishes a 1st fl r study/den. Sunporch embraces comfort & relaxation. 2 Stl grg. W/loft. A must see!

$205,000MLS #912805

Frankfort

Much sought after one level unit in rolling hills. Totally renovated, new kitchen fl ooring, appliances, windows, roof, insulation, heating & air conditioning. Better than new! Nicely done.

$109,900

NEW LISTING

New Hartford

Newly constructed 3 bdrm, 2 bath ranch in the whitetail meadows development. Gorgeous brick oven kitchen w/maple cabinets, lr, dr, breezeway. Completed w/lawn, driveway, walkway. Turn key!

$249,900MLS #1000465

NEW PRICE

NEW PRICE

MLS #1001710

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Your All Inclusive Home Directory LifeandHomes.com 1064 Palmer Drive 2 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41636Kay Real EstateJanetMautner•315-363-9191



Oneida - Outside $116,9006199 Lorena Road Owner will sell seperately. Call agent for details.

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



Rome $175,000

362 Cleveland Ave 3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41637Kay Real EstateJanetMautner•315-363-9191



Oneida - Inside $112,5008103 Pinebrook Lane 4 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41370Coldwell Banker Prime PropertiesGaetanoBelmonte•315-768-1680



Rome $259,900

25030 Co. Rte. 53 3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41539Lake Ontario RltyAprilMarvin•315-778-8042

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


Watertown $279,000507 E. Bloomfield St. 3 Bedrooms / 1.0 Baths




Rome $29,900

401 W Dominick Street 0 Bedrooms / 0.0 Baths




Rome $135,000406 W. Oak Street 4 Bedrooms / 3.5 Baths




Rome $387,000

220 Ridge Street Commercial




Rome $275,000534 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 $59,900

Area’s Commercial Leader

www.prudentialcarucci.com(315) 733-0463

Joseph R. Carucci Real Estate600 French Rd., New Hartford

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 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!

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1009 Seneca Street 3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41629Prudential J.R. Carucci Real EstateDebbieSantaCroce•315-797-1724



Rome $79,900661 Military Road 3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41631United Country Real Estate/HBE Group, Inc.SharonBaisley•315-429-9754

Lic. R.E. Broker • [email protected]


Salisbury $59,500

509 North Madison 5 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41628Prudential J.R. Carucci Real EstateJoanAbend•315-733-0463

Lic R.E Associate Broker • [email protected]


Rome $83,0001314 Vienna Rd Financing Available

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



Sylvan Beach $67,000

1009 Sherman Avenue 3 Bedrooms / 1.0 Baths




Rome $104,500503 16th Ave Financing Available

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



Sylvan Beach $69,000

111 E Sycamore Street 4 Bedrooms / 2.0 Baths




Rome $106,90029-31 Leslie - 2 Unit 6 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41573NeuDot RealtyDorothyNeumann•315-527-3542



Utica $74,900

554 Irondale Road 3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41632United Country Real Estate/HBE Group, Inc.SharonBaisley•315-429-9754

Lic. R.E. Broker • [email protected]


Salisbury $169,9001120 Schuyler 4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41646NeuDot RealtyDorothyNeumann•315-527-3542



Utica $24,900

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

Advanced Home Inspection Service LLC

15 years experience inspecting homesNYS Licensed/ Certifi ed Inspector

NEHA/NRPP Certifi ed Radon TesterWell fl ow/Septic Dye/Water Purity Testing

Providing our clients with an educated inspection of their new home purchase while looking for any

minor/major defects

NAHI Don Archer NRPPCall 315-792-9029

http://www.advancedhomeis.com www.SuperiorPlusEnergy.com

800-432-8669

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Beautiful & Affordable Home SitesFROM 5 ACRES TO 40 ACRES • PRICES FROM $14,900

POND VIEWPrivate family community for fun & investment

35 Exceptional homesites set on 235 acresRiding trails, stocked fi sh ponds, sunset views

Direct Snowmobile & ATV TrailsOut Your Door To The Ridge Runners Clubhouse

Middleville, Herkimer County, NY Ph. (315) 891-3254

BRING US YOUR BEST DEAL

- WE WILL BEAT IT! -

“IT’S SIMPLE”We can give you be� er speci� cations, more

upgraded features, and a higher quality home And we can do all this for less money.

Stick Built QualityModular Homes

Ph: 315-891-3254

LAND STEAL50% OFF

All Remaining Lots To Be Sold At 1/2 Price

NEW HOMES MODULAR

Special Onsite Financing Available“Buy Now - Build Later”

THIS IS THE BEST DEAL AROUND

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#

Rome $57,0003 bed 2 full bath mobile home.Open fl oor plan. Nice and bright. Fireplace in living room; double closets in master suite; ramp; super back deck, central air and private back yard.

QSN#41379

Rome $149,900Farm/Land QSN #33888

Rome $59,9003 bed ranch - could be 4. Has main fl oor laundry. Nice layout. Convenient location. Good sized back yard.

Rome $87,9004 bed 2 full bath home with tons of space. Good sized rooms. Sliding doors from both the formal dining room and family room downstairs lead to deck and above ground pool. Large back yard. Convenient location!

QSN#41380

Wampsville $199,900A beautiful mix of old world charm and modern conveniences. Home completely renovated. Quality craftmanship abounds. Ceramic tiles, fl oors, kitchen island, cabinets, windows, carpets, baths, garages, septic, water heater and I’m sure I missed a few - all new! Lovely yard. Plenty of space for play and entertaining inside and out.

QSN#41521

QSN#41520

Rome (Sale Pending) $29,9002 Family QSN #33755

Rome $65,900Bring 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.

QSN#41157

Rome $174,900Commercial QSN #33926

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

“The Key to your front door”

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Coldwell Banker Faith Properties 2306 Genesee St. Utica, NY 13502

Deborah HapanowiczLic. R.E. Associate Broker

[email protected]

Interested in Buying or Selling? Give me a call.

Utica $94,900Wonderful condition, 4 bedrooms,

2 baths, hardwoods upstairs and down, spacious dining room, fi replaced living room, 2 car detached garage. Must see! MLS # 1001836

Whitesboro $119,900Desirable location for this 3

bedroom, 1.5 Bath ranch! Hardwood fl oors, 2 year old roof, new furnace in 2008. Attached garage. very large yard.MLS # 1000889

New Hartford $104,900Adorable 2 large bedroom ranch,

hardwoods, new windows, furnace.

Quiet, popular neighborhood in

New Hartford school district. MLS # 10001930

717 Plant Street / 2 unit 6 Bedrooms / 2.0 Baths




Utica $52,0001602 Sherman Drive 4 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41442Prudential J.R. Carucci Real EstateJosephColacicco•315-733-0463



Utica $229,900

3 Sherman Place 4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #32157The Nehemiah FundTonyMyers•315-525-6291



Utica $59,90010 Foery Drive Unit #309 2 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41441Prudential J.R. Carucci Real EstateJosephColacicco•315-733-0463



Utica $115,000

15 Hampden Place - 2 family 6 Bedrooms / 2.0 Baths




Utica $74,9001800 Holland Ave 4 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41633Senshine Real EstateMarkEnjem•315-292-3200



Utica $109,500

429 Larchmont Ave 4 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41365Assist2Sell Seller’s and Buyer’s 1st Choice!JoanneShedd•315-790-1997



Utica $145,000905 Springate Street - 2 units 6 Bedrooms / 2.0 Baths




Utica $62,900

North Utica 3 Bedrooms / 2.0 Baths




Utica $319,9003426 Burns 4 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41660Coldwell Banker Faith PropertiesJudyHinman•315-794-8305

Agent • [email protected]


Vernon $399,000

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Alex SenBroker

(C) 725.7167

Ed Kasperovich Sales Agent (C) 534.3484

Mark EnjemSales Agent (C) 292.3200

“True Service with Savings”

2400 Sunset Ave Utica, NY 13502 (P) 797.2400

Frankfort $119,000842 Center Rd.Home with 15 acres

MLS#1000986ALEX SEN

Utica $104,9001800 Holland AveLandmark, one of a kind estate with 8 bed-rooms, 7 full & 3 half baths. Artist room, library, FR, DR, 3 acres. MLS#1000530MARK ENJEM

New Hartford $229,00045 Wadsworth Lane3 bdrm,2 baths, central air, pool, nice.

MLS#911053ALEX SEN

Clinton $198,0003561 State Route 12A nice 4 bedroom, 2 bath home on 4 acres with a 3 story renovated barn.New siding, has a new kitchen, nice fl oors.Clinton schools! MLS#1000284ALEX SEN

Cedar Lake $129,000Litchfi eldWelcoming renovated year round home, deck, security system, back up generator, garage.MLS#1001946ALEX SEN

Whitesboro $64,90010 Clyne PlaceNice, move in ready.

MLS#1001476ED KASPEROVICH

Utica $60,0001575 West StA great home, many updates.


Yorkville $125,9002216 Caroline St.A great brick cape, many updates


Utica $89,9001637 Sunset AveGreat investment/cash fl ow property, 5 units fully rented.MLS#913120 - MultiFamilyALEX SEN

Utica $119,9001807 Crouse StNicely redone on a double lot


Utica $109,9001541 St. Vincent St.2 Buildings fully rented total of 6 units. Many up-dates, plenty of parking. A great income property.MLS#200900350 - Multi-FamilyALEX SEN

Utica $94,9001223 South StA nice home, renovated interior, new kitchen, bonus kitchen on the second fl oor, oversized two-car garage. MLS#913407ED KASPEROVICH

Utica $315,0005 Russet Bush LaneSpacious contemporary, a must seeMLS#1001896ALEX SEN

Rome 69,900518 W Dominick St4 unit with store front, renovated

MLS#200800008 - Multi-FamilyALEX SEN

Clinton $119,0004 McBride Ave Nice two family, new roof, renovated 1st fl r.

MLS#913167 - Multi-familyALEX SEN

Utica $79,900414 Ontario stA great two-family with a large detached garage

MLS#1001887 - Multi-familyED KASPEROVICH

Utica $72,9001328 Mary St2 family with updates and large garage

MLS#911508 - Multi-familyALEX SEN

Utica $59,9001004 Cornelia St5,100sq ft downtown

MLS#911448 - CommercialALEX SEN

Utica $84,9001616 Bleecker StTurn-key two family with plenty of parking. First fl oor totally renovated.MLS#913333ED KASPEROVICH

Yorkville $49,9002205 Whitesboro StVillage lot with a large garage, great for work-shop or storage, new electrical entrance.MLS#912214ED KASPEROVICH

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#1 Selling Coldwell Banker in the Mohawk Valley 2306 Genesee Street, Utica, New York 735-2222Visit www.CentralNewYork.com for the best local searches!FAITH PROPERTIES

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Anthony VaccarelliSandra Walser 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 Patti Palumbo 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 $279,900Beautiful 5 bedroom, 2.5 bath colonial. FR, DR, 2 car garage. Finished basement. Emerald Hill Estates location. Great view.MLS#1000711www.Campionweeks.com 735-8515

New Hartford $1,300,000Landmark, one of a kind estate with 8 bedrooms, 7 full & 3 half baths. Artist room, library, FR, DR, 3 acres.MLS#1001442www.Campionweeks.com 735-8515

New Hartford $539,900Picturesque view from this fabulous contemporary. Great room, cathedral ceilings, gourmet kitchen, DR, 1st fl oor master. 3.5 baths, sunroom, 3 car garage.MLS#101154www.Campionweeks.com 735-8515

Marcy $229,900Beautiful & spacious brick ranch on 6+ acres. 4 bedrooms, fi replace, new windows & doors. FR, DR, in-law apt, double garage.MLS#100532www.Campionweeks.com 735-8515

New Hartford $169,900Stylish & elegant 2 bedrm, 2.5 bath condo in Sherman Oaks. DR, FR, garage. Completely renovated.MLS#101432www.Campionweeks.com 735-8515

Whitesboro $179,900Wonderful 4 bedrm colonial. FR, DR, fi replace, deck, large yard. 2 car garage.

MLS#1001686www.Campionweeks.com 735-8515

Frankfort $199,900Large country ranch w/ 3 bedrooms, 2 baths on 2.5 acres. DR, oversize 2 car garage. Sauquoit schools.MLS#1001720www.Campionweeks.com 735-8515

New Hartford $159,900Ranch 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

New Hartford $169,000Well maintained 3 bedrm townhouse in Oxford Heights. Dining area, 2.5 baths. Updated roof, appliances, fl ooring. Nice deck. Att gar.MLS#100636www.Campionweeks.com 735-8515

Westmoreland $175,000Open fl oor plan we love! 4 bedroom, 2 bath log home. DR, well-built. Park like setting.


New Hartford $178,900Unique property offering 3 bd, 1.5 bath ranch on 1.6 acre setting. Att. garage plus lge 2 car garage w/ 800 sq ft in-law apt. Inground pool, updates.MLS#100709www.Campionweeks.com 735-8515

Whitesboro $175,000Immaculate 3 bedroom, 2 bath ranch. Fire-place, HW fl oors, updated roof, furnace & carpet. 2 car garage.MLS#1001835www.Campionweeks.com 735-8515

Whitesboro $197,000Spacious 3 bedroom, 2 bath cape. Custom kitchen, FR, enclosed breezeway, attached ga-rage. 2200 s/fMLS#1001846www.Campionweeks.com 735-8515

East Utica $119,900Vinyl sided 3 bedroom, 1.5 bath cape in popular area. Enclosed patio, DR. Needs a little TLC. Attached garage. MLS#1000409www.Campionweeks.com 735-8515

South Utica $122,900Updated, immaculate 3 bedroom home in desireable neighborhood. DR, 2 car garage. Oversize, park-like, fenced yard. MLS#1000810www.Campionweeks.com 735-8515

West Utica $69,900Wonderful 4 bedroom bungalow. Gleaming hardwood fl oors, DR, 2 car garage. Vinyl siding.


East Utica $124,900Neat & clean 4 bedroom cape. Large kitchen, appliances, new deck & roof. Attached garage.


Ilion $115,900Immaculate 3 bedrm cape. DR, eat-in kit. Gar. Many updates. Home Warranty.


Whitesboro $89,900Spacious, vinyl sided 3 bedroom ranch. Sunroom, large kitchen, oversized garage. Many updates.


Whitesboro $74,900Cute, vinyl sided cape with front & back decks, 3 bedrooms, sunroom, garage. Freshly painted interior.MLS#1001623www.Campionweeks.com 735-8515

Blossvale $89,900Split level needing some TLC. 2 acres, large 3 car garage to rear. Some updating. Camden schools. MLS#1001736www.Campionweeks.com 735-8515

New York Mills $69,900Neat & clean, vinyl sided cape. Dining area, 1.5 baths. 1st fl oor laundry room.


East Utica $49,900Affordable & spacious 3 bedroom 2 story. Dining room. Being sold as-is.


East Utica $64,900Nice 3 apartment income property. One 3 bedroom apartment, two 1 bedroom apartments. Separate utilities, vinyl siding.MLS#1000225www.Campionweeks.com 735-8515

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Your All Inclusive Home Directory LifeandHomes.com 9 Black Ave, East 3 Bedrooms / 2.5 Baths




Vernon $160,0004157 Mud Lake Rd 4 Bedrooms / 2.0 Baths




West Leyden $139,900

4588 Verona Street 4 Bedrooms / 2.0 Baths




Vernon $154,9004157 Mud Lake Road 4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41364A.Fumarola /Joyce RealtyCarriePodagrosi•315-723-3021

Agent • [email protected]


West Leyden $139,900

5939 Cooper Street 3 Bedrooms / 1.0 Baths




Vernon $120,0006000 Eureka Road 4 Bedrooms / 3.0 Baths




Westmoreland $224,900

5612 Rt 31 3 Bedrooms / 2.0 Baths




Verona $89,5005860 Bartlett Road 4 Bedrooms / 3.0 Baths




Westmoreland $170,000

6047 Route 46 3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41635Kay Real EstateJayneWentworth•315-363-9191



Verona $149,50018 Symphony Place 4 Bedrooms / 2.5 Baths




Whitesboro $359,900

Amy La ClairLicensed Real Estate Broker

(315)790-4153visit us on the web @ www.newnestrealty.com

Professional & Courteous Real Estate Services

New Nest Realty

24.5 Acres

New coNstructioN

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Lot owners homeowners

3 Bedrooms, 2 bathsFull Basement, 2 Car Garage

(stone optional).Not Included- Water Well

Sewer, Finished Landscapingand Interior Painting

$159,900.00 On Your Lot

We Remodel Too!

Hey, call us738-9458

Or Let Us Design Your New “Dream Home.” Whitesboro’s Elegant “Hart’s ViEW tErracE”

Still has 4 Choice Suites Available(1) 3+ Acre Parcel • (1) 5+ Acre Parcel • (2) 1/3 Acre Lots

• Garages • Decks• Additions

• Kitchens • Baths• Sunrooms

Phone: 738-9458 or 723-0823 Mailing Address: Box 4625 Utica, NY 13504Email: [email protected]

Over 50 Years of Quality Custom Homes, Dependability, & Fair Prices

L&A BuiLders


Each Offi ce is Independently Owned and OperatedFAITH PROPERTIES

2306 Genesee Street, Utica, New York 315-525-7600Visit www.CentralNewYork.com/Bozena for the best local searches!

South Utica $84,900Move in Condition! 2 story w/ 4BDRMS, 2 full baths w/ jacuzzi tub. Appliances included. Many Updates! 315-525-7600

Utica - 2 Units $69,900Very well maintained 2 family with 3 bedroom each fl oor. Separate utilities. Newer siding, windows, 1st fl oor bath and kitchen. 315-525-7600

New Hartford $104,900Nice 3 bedroom ranch with all appliances. Newer roof, bath and sun room. Convenient location, close to school and shopping. 315-525-7600

Yorkville $79,900Spacious Bungalow offers 3 bedrooms, 1.5 Baths, nice living room. Formal dining room, hardwood floors, new counter top, & tile. 315-525-7600

Utica - 2 Units $84,900Well maintained 2 Family with 3 bedrooms on the 1st floor and 2 large bedrooms on 2nd floor. Great location, so close to many conveniences. 315-525-7600

Utica - 3 Units $139,900Commercial 3 story brick building. Current use level 1: Bar/Restaurant with all equipment, level 2: apt with 3 bed-rooms and level 3: apt with 4 bedrooms. 315-525-7600

Bozena SroczykAssociate Broker

[email protected]: 315-525-7600Fax: 315-735-1727

Thinking of Buying or Selling?Contact Me TodayFor a Full Time ProfessionalAdvice & Service

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mortgageCorner

The real estate industry is confusing enough without all of the jargon that gets thrown around. Borrowers who don’t understand the meaning of this jargon can find themselves paying a hefty price for their lack of understanding. Two terms that are often confused are “loan modification” and “mortgage refinance”. These two terms describe two different practices that ultimately accomplish the same desired effect, a lower monthly payment for the borrower.

Home loan modifications modify the terms of an original mortgage contract, but in most cases maintain the amount of time that remains on the contract. For example, home loan modifications approved 10 years into a 30 year loan will continue to have 20 years remaining on the loan. Home loan modifications reduce monthly payments, in most cases, by reducing the amount of interest the lender collects from the time of modification approval to the time of the expiration of the contract. Home loan modifications do not generally add time to a loan, which is good for borrowers who want to stay on track with their original 30 year plan.

Mortgage refinancing, on the other hand, takes the amount that remains on one loan and extends it to a full 30 year loan, starting the clock all over again for the borrower. While it is true that mortgage refinancing will lower payments, borrowers must ask themselves “at what cost”. If a borrower doesn’t care about the length of their loan, only the amount of their monthly payment, then a refinance may be the best option.

In general, it is best not to add time to a loan if it can be avoided. The reason to avoid adding time to a loan is simple; the borrower simply has no way of telling the future and has no way

of knowing how financially secure they will be in another 30 years. Keeping the length of a loan down shortens the amount of time that the borrower has to look into the future. For many, it is far easier to predict how financially secure they will be in 10 years rather than 30. A person who plans on retiring after their home is paid off would risk having to spend their retirement check on their mortgage if the mortgage is refinanced to another 30 year term rather than modified to a lower interest rate.

No matter which option the borrower chooses, it is important for them to remember that a lower monthly payment is not a blank check issued by their lenders. A lower monthly payment often means that saving for the future becomes easier. If a monthly payment is lowered, the borrower is urged to put away as much of their monthly savings as they can into savings accounts

and low risk investment options. This will ensure that the borrower has a bit of a cushion should financial trouble arise again in the future. If a borrower is able to pay off their mortgage without having to dig into their financial cushion, they can treat the funds as an additional source of retirement income.

Author Timothy G.McFarlin is an Attorney at McFarlin & Geurts with expertise in a variety of practice areas includ-ing real estate law, debt reorganization, bankruptcy, busi-ness litigation, and consumer law and mortgage litigation. (www.mcfarlinlaw.com)(Source: ArticleBlast)

Modify or Refinance?

Roger Guerrieri 315-533-7160

Mortgage Originator

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

100% Purchase Money Loans NO Downpayment • NO Monthly PMI

Call for Details

Licensed Mortgage Banker • NYS Banking Department

Adam Hearty 315-404-5253

Mortgage Originator

Anthony Tefel 315-534-2524

Mortgage Originator

LOWEST Rates in the Area!

by: Timothy McFarlin

The worst housing markets forecast by Housing Predictor in 2010 are projected to do better than what was first forecast at the beginning of the year, according to the latest update of the worst 25 markets.- www.housingpredictor.com

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Log Homes, Basements, Custom Kitchens,

Additions, Carpentry. General Contracting.

Electrical Work. Log Homes, Basements, Cus-

tom Kitchens, Additions, Carpentry. General

Contracting. Electrical Work.

315-942-4949 Member Since 08/09

BuildersADIRONDACK BUILDERS

Easy Track Closet Systems - Estimates, Design,

Installation. The More Economical, Easy Installa-

tion System on the Market.

315-337-3340315-732-2350 Member Since 02/08

ClosetsTHE HEARTH SHOP @ UNIV. BLDG SUPPLY

Serving all of the North Country. From the

Adirondacks to Lake Ontario. We come to you!

315-285-5074Member Since 04/10

EnergyENERGY & INSULATION SOLUTIONS

Deansboro • Servicing CNY. Bobcat and mini

excavator, Septic, Sewer, Trenching, Posthole Drill-

ing, Demolition

315-841-3573 Member Since 03/06

ExcavatingBCS EXCAVATING

CNY’s Source for Warmth! Fireplaces, stoves,

inserts,logssets - biofuels, gas, pellet or wood. Also

mantles, custom stone work, custom hearths.

Free estimates.

315-337-3340315-732-2350 Member Since02/08

Fireplaces & StovesTHE HEARTH SHOP @ UNIV. BLDG SUPPLY

High quality dust free fl oor refi nishing. Genera-

tions of high tech methods, knowledge and hard

working values provides a stress free experience.

315-735-5299Member Since 05/10

FlooringTRU-LINE LANE & FLOOR

Serving CNY. Quality Amish Solid Wood Furniture

at Affordable Prices. See our great selection of

Tables, Chairs, Hutches, Bookcases, Bedrooms,

and much, much more. www.IronwoodCNY.com

315-853-7300 Member Since 09/07

FurnitureIRONWOOD FURNITURE

Heating Oil, Kerosene, Diesel, Gasoline &

Heating Equip. Propane in Madison/Oneida

Counties. www.SuperiorPlusEnergy.com

800-432-8669800-765-6511800-692-2525Member Since 09/07

HeatingMOHAWK HOME COMFORT SERVICES

Country Suburban will do “Whatever it

takes” to ensure that you are thrilled with

your new system and energy effi ciency.

315-735-5300Member Since 09/07

COUNTRY SUBURBAN HEATING & AIR CONDITIONING

Professional & curteous service -certifi ed &

insured. Inspections for buyers & sellers include:

structural, mechanical, plumbing, radon, & water.

315-768-6823315-723-2258Member Since 11/07

Home InspectionHOME PRO HOME INSPECTIONS

Serving CNY and the Mohawk Valley. Pre-listing

& Buyer inspections, Septic Systems, Inspections

& Dye Tests, Water Purity. The Only Local NYS DOH

ELAP Certified Continuous Monitor Radon Testing

Lab in Oneida County.

315-363-8074Member Since 07/08

SMITH INSPECTION SERVICES, LLC

Performing quality inspections at a reasonable

price, I pride myself in providing a comprehen-

sive, independent evaluation of your home!

315-420-2832Member Since 01/09

SHIRE INSPECTION SERVICES, INC

Serving CNY. Specializing in Spray-On-Foam. Fully

Insured. Energy Saving Benefi ts. Free Estimates

315-269-7900Member Since 09/07

InsulationENVIRONMENTAL CONTRACTING

Empire is a locally owned company featuring

a complete kitchen & bath showroom. Our

cabinet lines include: Omega, Plain N’ Fancy and

Armstrong. Let our design team help you with

your next project.

315-733-0408Member Since 04/08

Kitchen & BathsEMPIRE BATH & KITCHEN, INC.

Serving CNY. Check out our winning combina-

tion of Kitchen Design Center & Custom Stair

& Millwork. We handle Yorktowne & Kraftmaid

Cabinetry

315-724-7049Member Since 07/08

KITCHEN DESIGN CENTER

We have our own Crew with over 25 Years Experi-

ence Building Log Homes Throughout New York

State Including the Adirondack Mountains.

315-824-1571Member Since 05/10

Log HomesCEDAR HOMES OF DISTINCTION

Serving CNY. “The Best Homes at the Best Prices.”

We will not be undersold. “Stickbuilt Quality”

Modular Homes.

315-891-3254Member Since 06/07

Modular HomesNEW HOMES MODULAR CO

Over 50 years combined door experience

with fully trained service tech’s. We offer

24 hr emergency service 7 days a week.

Residential or commercial.

315-768-7886Member Since 05/10

Overhead DoorsOVERHEAD DOOR CO. OF UTICA, INC

Retaining Walls, Patios, Mulch & Stone, Fire Pits

& Places, Masonry Tools, Decorative Stone. Call

Today For All Your Landscaping Needs.

315-724-8111Member Since 03/08

Stone & Landscaping ProductsMADDEN CONCRETE & MASONRY SUPPLY

Sales • Service • Repairs • Installation • Quality &

Dependable Service for 20 Years.

315-717-6499Member Since 04/09

Swimming PoolsTREEN’S POOLS

Serving All of CNY. Basement & Crawlspace

Waterproof Solutions. Foundation Repair.

www.wilcoxbasement.com

315-896-3979Member Since 03/07

Waterproofi ngWILCOX BASEMENT SYSTEMS, INC

Well Drilling & Water Systems. Established 1916.

Well Drilling- Rotary & Cable Tool. Water Pumps -

Serviced & Installed. Certifi ed by National Ground

Water Assoc.

315-697-7720Member Since 10/07

Well DrillingAW KINCAID INC

The Missing Pieces to a Hassle-Free Home

Home Service network Exclusive Members That Have Shown Exceptional Customer Service

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Near Little Falls, NY. 35 acres of beautiful land with a large 3 story 10 bedroom Victorian Home. This beautiful home is a well maintained home with some remodeling done, but most of the original woodwork is still intact. Large rooms, high ceilings would make a beautiful Bed n Breakfast situated on a quiet road. Overlook-ing Adirondack Park. Mins from I90 Thruway. Unbelievable hunting, fi shing, hiking, skiing, and snowmobiling trails all within minutes drive. Within an hour of Albany International Airport.

Herkimer County $179,000

Herkimer County Hobby Farm. 100+/- acres 25 acres in pasture and fi elds. Balance woods and large beaver ponds. Awesome white tail deer & turkey hunting. Good 2 story 5 bdrm Colonial Brick home in good condition. Large rooms high ceilings. Good spacious home. Good 40x80 pole barn for horses or beef, machine and hay storage. 2 story barn, has been used for additional storage. Close to I90, shopping, hospitals close by. Not far to the Adirondack Mountains.


Southern Herkimer County Gentleman’s Farm w/58 acres & Beautiful home. Very nice 2 story 4 bdrm home. Well kept & maintained. Good 2 story 36x70 barn. Room for 25 head of cattle. Farm has a very nice year round stream. Decent fencing for beef. Lots of deer & turkey. This would make an excellent farm to run beef or horses. Great place for a road side stand. 20 mins from shopping & several hospitals. 5 mins to schools.


480 acre farm 180 acres tillable. Balance woods and pasture. Good 2 story 4 bdrm home w/2 car garage. Very cheap inexpensive power. Farm has a beautiful year round stream. Several ponds. Excellent hunting & fi shing. Close to 300 miles of snowmobiling & ATV trails. This would make a wonderful farm to raise beef, horses, make hay. Lots of road frontage. A great investment property. Close to the Adirondack Mountains. Not far from Route 90 Thruway. Easy to get to.

Oneida County $550,000

PRIME PROPERTIES

Frankfort $259,900

2672 Albany RoadQUALITY prevails throughout this wonderful 4 bedroom home…an open fl oorplan makes for easy entertaining. Meticulous landscaping & attention to details offset this property. Call me at 868-8686. MLS # 1001440

Deerfi eld $369,900

5770 Walker RoadPRICELESS! Secluded on 10 acres of lavish landscaping, this luxurious home is one of a kind...too many amenities to mention. Call me for details at 868-8686. MLS # 1001441

#1 Coldwell Bankerin New York State

4957 Commercial Drive Yorkville NY

www.coldwellbankerprime.com/gloria.rocci

768.1680 Ext. 217868-8686 Cell

Gloria Rocci

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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]

New Construction in desirable Westmoreland

location. 4 bedroom, 3 baths, 2300 sq ft, attached 2 car

garage.

2 bedroom, 2 bath town home with granite countertops,

central air-conditioning, and a 12x12 back deck, with the other half of the town home

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

and satisfaction.

Brand new beautiful one story home with a full

basement, stone entry, hardwood floors, two stall

garage, whirlpool tub, gourmet kitchen, spray foam

insulation, and energy star windows.

Twin Home Prices from $189,900

[email protected]

Competitive Pricing

QSN#33997 BucklaNd EStatES QSN#41645 QSN# 34001

NEw coNStructioN

North Utica Marcy North UticaNorth UticaWestmoreland North Utica

North Utica

$319,900

$219,900

$239,900$299,900$209,900

Come to anOpen HouseCall Laura for Showing

We won’t be undersold.

We will beat any price!

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Life & Homes Central New York