Home in the Country Fall 2013

in the

A Sullivan County

Democrat publication

August, 2013 homecountry

2H HOME IN THE COUNTRY SULLIVAN COUNTY DEMOCRAT AUGUST, 2013

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1. NeversinkTownship

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2. Bethel Township

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3. FallsburgTownship

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5. Lumberland

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2 BR/1 BAAcres: 1.90Sold For: $12,000School Tax: $712Town & County: $412

Built: 1965Listed By: PrudentialPeters Realty

2 BR/1 BAAcres: .4477Sold For: $35,000School Tax: $1,693Town & County: $1,435

Built: 1968Listed By: Myrna GinsbergReal Estate


Built: 1985Listed By: Century 21Country Realty

4 BR/2 BAAcres: 5.3Sold For: $167,000School Tax: $2,843Town & County: $2,506

Built: 2003Listed By: Gibson E.McKean, Inc.


Built: 1965Listed By: Paris RE &Associates

3 BR/1.5 BAAcres: 6.00Sold For: $260,000School Tax: $2,889Town & County: $2,690

Built: 1961Listed By: The RuralConnection

7. CallicoonTownship

Log

2 BR/2 BAAcres: .07Sold For: $85,000School Tax: $2,122Town & County:$1,563Built: 1987

Listed By: Country Homes &Properties

4 BR/3.5 BAAcres: 5.00Sold For: $775,000School Tax: $11,974Town & County: $9,326

Built: 2004Listed By: ChapinSotheby’s Int’l Realty

Recent Home Sales

AUGUST, 2013 SULLIVAN COUNTY DEMOCRAT HOME IN THE COUNTRY 3H

‘Own’ a piece of the DelawareRiver with this riverfront

HOME FEATURES

T his three-bedroom, two-bathhouse presents a rare chance to“own” a piece of the Delaware

River and realize a fisherman’s dream. Itoffers 100 feet of river frontage at theend of a gently sloping lawn, with 11⁄2acres of property.

Get fantastic river views from thekitchen deck and second floor bedroomdeck. Featuring a walkout family roomto a stone patio.

Above the two-car garage is a work-shop space with great possibilities.

Walk to the village from this meticu-lously maintained home and grounds.

Story and photos by Kaitlin Carney

At top: The expanse of lawn leads to both a small feeder brook and the DelawareRiver itself.Above: A view of the house with its walkout basement. The garage is on the right.At right: The walls of the basement room are clad in pine. The arrows and medalsbelong to current owner (with wife Mary) Barry Weinperl, a national indoor andoutdoor archery masters champ.

Address: 39 Lordville Rd., Equinunk, PA

Listing Type: Single family

MLS No.: 13-1589

Bedrooms: 3

Bathrooms: 2

Eating Area: Eat-in kitchen, modern kitchen

House Size: 2,126 square feet

Lot Size: 65,340 square feet (1.5 acres)

Year Built: 1920

Interior Features: Family Room lower level,open floor plan.

Exterior Features: Deck, patio/coverd deck.

Lot Description: Cleared, flat, not in development, riverfront, view.

Lot Financing: Cash conventional

Appliances: Dishwasher, garage opener, gas oven/range, refrigerator, smoke detector,washer/dryer hook up.

Garage: two car, detached.

Cooling: Attic fan, ceiling fan, wall/window AC.

Heating: Liquid propane, oil.

Basement: Daylight, full finished, heated,outside entrance.

Roof: Asphalt/fiberglas.

Water Heater: Electric

Sewer: In ground, on-site.

Water: Spring

Additional Rooms: Workshop.

Exterior: Vinyl.

Floors: Hardwood, tile, wall to wall carpet.

Access Road: Paved, public.

Price: $259,000.

Realtor: John and Mary Fitzgerald, Re/MaxWayne, 1362 Cochecton Turnpike, Tyler Hill,PA. Phone: 570-224-6446.

Additional images on following pages 4 & 5


At right: the upper level of the garage is awell-insulated (but not heated) workshoparea, ripe with possibilities.Below: off the master bedroom is a deck thataffords views of the river beyond.

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California’s Napa Valley or thesun-drenched slopes of theMediterranean spring to mindwhen Joe and Maureen

Darmetko’s home comes into view.But the vine-covered concrete walls

and terra cotta roof enclose a buildingwhich once served as thousands of visi-tors’ first impression of Sullivan County’sCatskills.

Built by the New York, Ontario andWestern Railway (O&W) in 1898 toreplace a wooden station that hadburned, this 3,200-square-foot SullivanCounty Mission-style structure spentmore than half a century welcoming railpassengers to “the mountains.”

Sitting above Bloomingburg on theeastern slope of the Shawangunk Ridge,this is indeed where “the mountains”began for many a New York City resident,even if they were continuing on throughthe adjacent High View Tunnel (an engi-neering marvel when it opened in the1870s) up into the Catskills proper. But in1957, the O&W shuddered its last breath,the victim of a changing economy andtransportation methods. Nearby Route

17, “the Quickway,” was in fact on theverge of offering a new high-speed routethrough the area.

The High View Station, once the busyhub of the Village of Bloomingburg, fellinto disuse, save for poultry and pighousing.

Visitors still came – but in the form ofvandals who stole, defaced or otherwisemutilated every last furnishing.

It’s in that state the Darmetkos stum-bled across what was simply advertisedin 1988 as a “handyman’s special.”

“The roof looked like meteors had fall-en through it,” Maureen recalled.

“This was obviously a little more than ahandyman’s special,” Joe added with alaugh.

Joe and Maureen were living in Brook-lyn then. They had no idea of the proper-ty’s history, of its importance to the com-munity, but they did recognize some-thing special – enough to buy it andspend the next decade pouring theirhearts (and wallets) into every inch.

By the time they moved in circa 1998,the Darmetkos hadn’t just restored thestation to its original splendor ... they had

By Dan HustMaureen and Joe Darmetko

(right) turned a derelict train sta-tion (above) into a dazzling home

they’ve enjoyed for the past 15years (top right). Considered the

most beautiful station on the for-mer New York, Ontario and West-ern Railway, the 1898 High View

station has become one of themost stunning private homes in

Sullivan County, NY. The Darmetkostook their mutual love of design –

and their skill in implementing thatdesign – then blended it with orig-

inal aspects of the building (likethe O&W logo, top left) to create a

livable home where history isappropriately honored but alsowhere style and aesthetics are

warmly embraced.

inside a train station

Paradisefound ...

AUGUST, 2013 SULLIVAN COUNTY DEMOCRAT HOME IN THE COUNTRY 9H8H HOME IN THE COUNTRY SULLIVAN COUNTY DEMOCRAT AUGUST, 2013

turned it into one of the most beauti-ful and original homes in the entireregion.

They had accomplished this whileraising a family of three and runningdesign businesses in the city – testa-ment to their mutual love of the place.

Maureen credited Joe, who was “aman on a mission,” while Joe laudedMaureen.

“While I was working [on the house],she was providing me with drawings ...so it was a real tag-team effort,” hesaid.

The result is a home that looks andfeels like the train station it always wasyet is a spectacular and very personalreflection of the Darmetkos’ style andtaste.

“Every inch of this place was a dis-cussion,” affirmed Maureen, who, likeJoe, enjoys the frequent complimentsof how “historically accurate” thehouse appears.

Capturing the station’s character wasa key goal, she admitted, but this istheir home, not a museum.

The wrought iron on the front andback doors, for example, contain theO&W’s logo – but they were designedby Maureen and welded by Joe.

The ballroom – host to elaboratethemed costume parties thrown by the

couple – has a raised ceiling approxi-mating a rotunda, but the station’soriginal waiting room featured nosuch architecture, however fitting itseems.

“Historically accurate would be ablack slate roof,” Maureen noted, “butno, we did red tile.”

That tile clothes the roof so beauti-fully, so naturally, that O&W railfans –steeped in the railroad’s history – havecreated models and painted muralsincorporating the terra cotta insteadof the black slate.

“We’re complimented by it,”affirmed Joe.

But save for the original brick fire-place, most of the home’s interiorreimagines the station far more styl-ishly than its builders ever envisioned.

The former bathrooms are now anexpansive kitchen whose floor is cov-ered in Spanish tile. The loading dockhas been converted to Joe’s workshop,while what was once simple quartersupstairs for the stationmaster are nowoutstandingly unique bedrooms forfamily and friends.

Yet the only major addition to thebuilding is Joe and Maureen’s stun-ning master suite, built above theloading dock. Noticeably differentfrom the earthy tone of the rest of the

The ballroom (top) is perhaps the most spectacular part of the house, fea-turing the station’s original brick fireplace and arched entranceways. Therest of the space is entirely the Darmetkos’ design, from the rotunda-likeceiling to the elegant center column to the stylish furnishings. Just down thehall is this lavatory (left) employing a Turkish birdbath as a sink. An upstairsbedroom’s rounded ceiling (above) evokes the interior of a railroad passen-ger car. Inlaid with wood and brick and surrounded by well-groomed vege-tation, the home’s entrance walk (right) is warm and welcoming.

The master suite’s shower (left) is enclosed by glass that itselfencloses willowy branches which provide both beauty and privacy.The second-floor suite also has a balcony offering a sweeping viewof the sumptuous natural surroundings (above). To access this partof the house, the Darmetkos rehabbed the station’s existing stair-well (right), adding wood and iron details which – as guests oftenmistake – appear wholly original. Beyond the lamp is the door tothe master suite, custom-built by Joe and displaying Maureen’sdesign (incorporating the O&W’s famous logo). The cherrywoodkitchen features a fully functional fireplace with a railbed tie andspikes for a mantel, plus slate obtained from the nearby tunnel.

AUGUST, 2013 SULLIVAN COUNTY DEMOCRAT HOME IN THE COUNTRY 9H8H HOME IN THE COUNTRY SULLIVAN COUNTY DEMOCRAT AUGUST, 2013

turned it into one of the most beauti-ful and original homes in the entireregion.

They had accomplished this whileraising a family of three and runningdesign businesses in the city – testa-ment to their mutual love of the place.

Maureen credited Joe, who was “aman on a mission,” while Joe laudedMaureen.

“While I was working [on the house],she was providing me with drawings ...so it was a real tag-team effort,” hesaid.

The result is a home that looks andfeels like the train station it always wasyet is a spectacular and very personalreflection of the Darmetkos’ style andtaste.

“Every inch of this place was a dis-cussion,” affirmed Maureen, who, likeJoe, enjoys the frequent complimentsof how “historically accurate” thehouse appears.

Capturing the station’s character wasa key goal, she admitted, but this istheir home, not a museum.

The wrought iron on the front andback doors, for example, contain theO&W’s logo – but they were designedby Maureen and welded by Joe.

The ballroom – host to elaboratethemed costume parties thrown by the

couple – has a raised ceiling approxi-mating a rotunda, but the station’soriginal waiting room featured nosuch architecture, however fitting itseems.

“Historically accurate would be ablack slate roof,” Maureen noted, “butno, we did red tile.”

That tile clothes the roof so beauti-fully, so naturally, that O&W railfans –steeped in the railroad’s history – havecreated models and painted muralsincorporating the terra cotta insteadof the black slate.

“We’re complimented by it,”affirmed Joe.

But save for the original brick fire-place, most of the home’s interiorreimagines the station far more styl-ishly than its builders ever envisioned.

The former bathrooms are now anexpansive kitchen whose floor is cov-ered in Spanish tile. The loading dockhas been converted to Joe’s workshop,while what was once simple quartersupstairs for the stationmaster are nowoutstandingly unique bedrooms forfamily and friends.

Yet the only major addition to thebuilding is Joe and Maureen’s stun-ning master suite, built above theloading dock. Noticeably differentfrom the earthy tone of the rest of the

The ballroom (top) is perhaps the most spectacular part of the house, fea-turing the station’s original brick fireplace and arched entranceways. Therest of the space is entirely the Darmetkos’ design, from the rotunda-likeceiling to the elegant center column to the stylish furnishings. Just down thehall is this lavatory (left) employing a Turkish birdbath as a sink. An upstairsbedroom’s rounded ceiling (above) evokes the interior of a railroad passen-ger car. Inlaid with wood and brick and surrounded by well-groomed vege-tation, the home’s entrance walk (right) is warm and welcoming.

The master suite’s shower (left) is enclosed by glass that itselfencloses willowy branches which provide both beauty and privacy.The second-floor suite also has a balcony offering a sweeping viewof the sumptuous natural surroundings (above). To access this partof the house, the Darmetkos rehabbed the station’s existing stair-well (right), adding wood and iron details which – as guests oftenmistake – appear wholly original. Beyond the lamp is the door tothe master suite, custom-built by Joe and displaying Maureen’sdesign (incorporating the O&W’s famous logo). The cherrywoodkitchen features a fully functional fireplace with a railbed tie andspikes for a mantel, plus slate obtained from the nearby tunnel.


house, the suite is bright, airy and exceed-ingly elegant, from the chandelier-drapedbathtub to the TV discreetly recessedabove the balcony door.

“We don’t design conventionally,”Maureen acknowledged.

For themselves or for the clients forwhom Darmetko Design is indispensable.

“Of all things,” explained Joe, “if you canmake where you live a place you enjoy ...that makes life special.”

It could be yours . . .Eager to find new challenges and new

possibilities, Joe and Maureen have putthis fabulous home on the market.

Listed at $979,000, find all the details atwww.realtor.com.

What could otherwise be a drab equipment shed is instead ahandsome complement to the Darmetkos’ home (above). Thisview from their second-floor balcony also illustrates their love ofthe art of landscaping, seamlessly incorporating natural and man-made elements. The interior is no less well-designed, most espe-cially the master suite’s bedroom (left) and bath (far left). Fromthe artwork to the trim to the wallpaper made of actual tree bark,this space is truly their own. Hidden behind the painting (a collab-oration of Joe & Maureen) are his-&-hers walk-in closets. And thebathtub’s expansive view is of the backyard, ensuring privacy.Creativity extends into the four other upstairs bedrooms (below),one of which features this loudspeaker repurposed as a lamp.

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Energy-efficient building is top ofmind these days, but is it beingmeasured wrong? According to theU.S. Department of Energy, the typ-

ical American family spends at least$2,000 per year on home utility bills, with50-70 percent of the energy used to heatand cool their homes.

Inadequate insulation and air leakageare the leading causes of energy waste,with an average 2,500 square-foot homehaving more than a half mile of cracksand crevices. This equates to up to 30 per-cent or more of a home’s heating andcooling costs, according to theDepartment of Energy.

Most states have adopted building coderequirements for R-values in an effort toreduce energy consumption, under theassumption that building with materials

that have high R-values will result in heat(or cooled air) that will be lost at a slowerrate (like using an insulated coffee mug ora cooler). R-value is a measure of insula-tion’s ability to resist heat travelingthrough it; the higher the R-value the bet-ter the thermal performance of the insu-lation.

Problem is, R-values don’t take airexchange into account, or assembly andinstallation effects such as thermalbridges, thermal mass and moisture con-tent, which all have a significant impacton thermal properties.

“It’s like measuring car safety by thestrength of the seat belt and ignoring theshatterproof glass, strengthened steel sidepanels, anti-lock brakes and air bags,”explains Charles Petersheim, founder ofEcoTech Spray Foam.

In fact, it is widely understood thatmanaging air exchange, not just thermalresistance, is where the biggest energysavings can be found.

The time has come to update how a

building’s energy use and loss is meas-ured; the R-value of insulation in a wall isinsufficient in determining the wall’s ther-mal performance. Effective elimination ofair infiltration has a much greater effectthan simply assessing thermal resistanceof a type of insulation.

The primary goal in achieving energyefficiency should be sealing the buildingenvelope. The lower the rate of airexchange, the better the overall insulationof a building, especially when one consid-ers that the leaked air is replaced by out-side air. Not only is the conditioned airlost, but it is replaced with air at the sametemperature and humidity as outside air,making systems work harder to maintaina constant temperature inside.

EPA Energy Star classification permits abuilding to have up to four air exchanges

per hour; spray foam insulationperforms even better, with two orfewer air exchanges per hour, butfiberglass results in eight airexchanges per hour, double theEPA standard.

“Construction doesn’t makemany large forward strides,”explained Petersheim. “We basi-cally build the same way we havefor the last 75 years. Pex plumbingpipes are a good recent exampleof construction material progress,outperforming copper piping innearly every way. Spray foam insu-lation is another example, with a

rapidly expanding eight percent marketshare.”

Spray foam insulation can be catego-rized as closed cell and open cell. Closedcell is dense, rigid foam with a small,compact cell structure. It is filled with gasthat makes the insulation value as high aspossible. Open cell is foam with tiny cellsthat are not completely closed, giving it asponge-like appearance. It has an R-valueof approximately R-6 per inch, comparedto blown fiberglass, which typically has anR-value of R-2 to R-4 per inch. Butremember the R-value doesn’t tell thewhole story.

Petersheim continued, “While this tech-nological breakthrough is widely acceptedas being up to four times more effectivethan traditional fiberglass batt insulation,New York State Code relies exclusively onR-value measurements. This slows theconservation effort and costs the con-sumer money.”

Real-world performance tests show ahouse insulated with spray foam is typi-

Are we measuring green wrong? R-values may be costing you money

The skinny (figures)on home insulation

Contributed photo

Foam insulation achieves much better efficiency thantraditional batt or blown fiberglass.


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cally four times more energy efficient thanone with fiberglass batt insulation. Datashows that four inches of spray foam caninsulate as well, or better than ten inchesof fiberglass batt. In a spray foam applica-tion the first inch of foam achieves 85 per-cent energy efficiency, providing a com-plete air seal. Two inches of foam increasesthat efficiency to 95.4 percent, and so onas illustrated below:

• 4” of foam = 97.7 percent• 5” of foam = 98.1 percent• 6” of foam = 98.4 percentThe law of diminishing returns and

common sense show that more than fourto six inches of foam is overkill. However,current building codes, based exclusivelyon R-values, instead of actual energy effi-

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• R-42 in ceilings – requires 11” of foam• R-21 in walls – requires 6” of foam• R-30 in basement ceiling – requires 7.5”

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http://www.leafguardinc.com

Jerry Kracke10 Ryan Rd.

North Branch, N.Y. 12766The only One-Piece seamless debris-shedding

gutter on the market today.CLGU-088438

CLGU-104084

“A Lifetime of Enjoyment”

CPOO-113868

D.J.M. Landscape Materials845-295-6984

• Grinnell . . . Authorized Dealer• Unilock . . . Authorized Dealer• Straw Hay & Sod• Landscape Fabric• Stone Facing• Stone Works . . . (Owens Corning cultured stone)• Field Stone • Blue Stone . . . cut to size• Gravel . . . all types/sizes• Bags . . . peat moss/organic soil/soil

• Decorative Stones• Colored Mulches• Stone Dust• Top Soil . . . screened/unscreened• Sand . . . All types

(Beach . . . White/Tan)• Mason & Concrete• Retaining Wall Blocks• Pavers

We Deliver/Pick Up By Bulk & Save • Credit Cards AcceptedOWNERS TONY & JOHN www.djmdealers.com

DJMD-117504

DJM

G-126831

Yard Tractors, Chainsaws, Lawn Mowers, Zero TurnsIn Stock and Ready

JOHN H. ESCHENBERG INC.Dennis, Raymond, Danny, Cathy

Sales and Service®

3965 Rt. 17B, Callicoon, N.Y. 12723Gift Certificates Always Available!

845-887-5350

ES

CH

-128273

ZAHL-126572

A. ALPORT & SON INC

Serving your PLUMBING & HEATINGneeds for over 70 YEARS

Plumbing • Heating • Pump Supplies5337 Route 42, South Fallsburg, NY

845-434-7500(Mon.-Fri. 7 am - 5 pm)

COME VISIT OUR NEW KOHLER SHOWROOM

ALP

O-128049

Preferred Homes & PropertiesServing all of Sullivan County when buying or selling a quality home or property.

DIANE S. DEUTSCHLicensed Real Estate Broker3995 State Route 52 • Youngsville, NY 12791

Phone: (845) 482-4300 • Fax: (845) 482-4433E-mail: [email protected]: www.preferredhomes.net

WONDERFUL VIEWSfrom this charm-ing 1890’s farm-house. New reno-vations, openfloor plan, newlypainted interior &exterior, partialnew roof. Rockingchair porch, wide

COMFORTABLE YEAR ROUND2BR/2BA ranchin lake commu-nity. New roof,refrigerator,w/d, LR w/WS,large familyroom & 3 sea-son enclosedporch adds even more usuable space. Great

i 2 d i

RELAX in this beautifullyrenovated 2BR/1.5BA cot-tage. Great open floor planw/fabulous flow. Enjoy spa-cious, bright & airyfamily/dining room w/ glassdoors to lovely deck w/views of Lake. Updated kitchen w/island, granite counters,etc. Close to Swinging Bridge Lake, swim, boat, fish, BethelWoods, racino/racetrack, restaurants, shopping & more. Justbring your toothbrush & relax! Only $159,900

CUTE AS A BUTTONFARMHOUSE completelyrenovated w/HW floors,tinned ceiling in EIK, newroof, gutters, siding, boiler,cast iron radiators, insulatedwindows, Insulation. Large level partially fencedback yard great for kids/pets. Also available forRent. Move in. Priced to sell. $99,900

PREF-126808


CLOSE-OUT SALE!CLOSE-OUT SALE!LOCALLY OWNED AND OPERATED

Hours: M-F: 9:30 AM - 7:00 PM Sat: 9:30 AM - 6:00 PM Sun: 11:00 AM - 4:00 PM

25 Sullivan Avenue Liberty, NY 12754

Phone: 845.292.7580

Storewide Clearance Sale

Huge Closeouts Discountinued Appliance and Snowblower Sale 50 - 75% Off

SEHS

-128

684

50%

OFF

KENMORE ELITE®

NOW THRU SUNDAY, SEPTEMBER 8TH, 2013 Unless otherwise noted.

LABOR DAYSAVINGS

Take ItHome Today*

LowPayments

Flexible Payment Schedule

See an associate for how Leasing can work for you.*Mattresses may not be taken home same day.NOCREDIT

REQUIREDLEASE IT

WHY NOTLEASE IT?

HOTCLOSEOUT PRICES

Offer good thru 9/7/13. Fitness equipment requires some assembly.

$38988CLOSEOUT

Proform® CrossWalk 397 treadmill 00624843 Was 599.99 While quantities last.

SAVE $210

SAVE $40

$3999SALE

Craftsman 26-pc.wrench set 00946935/6

$1999SALE

Craftsman Evolv™

impact sockets 00916886/7

yourchoiceSAVE $20

SAVE $50

$4999SALE

GearWrench® 20-pc. ratcheting wrench set Standardand Metric sizes 00935720

$27999SALE

Kenmore® 4-burner stainless steel gas grill with side burner 07116142‡‡

SAVE $70$34999Grandview®

7-pc. patio set 07112203 Umbrella and base sold separately.

SAVE $250

all grills & patio setsAdvertised savings range from 5%-30%.

‡‡Gas tank sold separately. Grills require some assembly.

SAVE $80

$18999SALE

BBQ Pro™ 4-burnergas grill with stainless steel lid 07123676‡‡

30%OFF

UPTO

Advertised savings range from 5%-50%.select tools50%

OFF

$39988CLOSEOUT

NordicTrack® GX 4.5 recumbent cycle 00621983 Was 599.99 While quantities last.

SAVE $200

• WALL OVENS• COOKTOPS

• SLIDE IN RANGES

ORDER MILLIONSOF ITEMS FROMOUR IN-STORE

KIOSK

FREESHIPPING TOYOUR DOOR

Don’t see it?We can order it!


DERI-126

512

MANZA FAMILY FARMDelivery Available • Planting can be arranged

845-692-4364 • Direct Nursery Line: 845-866-1379730 STATE RT 211 • MONTGOMERY Quickway Exit 120E towards Montgomery on left or Rt. 17K to Rt. 211, Montgomery 4 miles on right

OPEN 7 DAYS 8AM - 5PMwww.manzafamilyfarm.net

NurseryWell Stocked!

New ItemsArriving Daily!

HUGEVariety of Fruit &Flowering Trees

& Shrubs

LARGE SELECTIONOF PERENNIALS,

GRASSES, GROUNDCOVERS AND VINES

Thousandsof

FloweringTrees

& Shrubs

MaplesJapanese Red MapleOaks • White Birch

& other assortedshade trees!

25% OFF SELECTED GROUPS OF SHURBS25% OFF SELECTED GROUPS OF SHRUBS

15 Acres of Top Quality Trees and Shrubs

Saturday, August 31st, 9am

HUGE TREE andSHRUB AUCTION

FEATURING:Hundreds of Freshly Dug Flowering Treesin Bloom, and Many Varieties and Sizes of

Freshly Dug Evergreen Trees,Assorted Shade and Ornamental Trees,

Flowering, and Evergreen Shrubsand Much, Much More!

HUGESelection of

EVERGREENTREES2-10 ft Trees

Blue Spruce • Norway SpruceWhite Spruce • White Pine

Canadian HemlockConcolor & Douglas FirGreen Giant Arborvitae

Emerald Green Arborvitae& other assortedevergreen trees!

25% OFFSelected Groups

of Trees & Shrubs

Largest Selectionof Deer ResistantTrees & Shrubs

MANF-128641

Quickway Exit 120E on 211E towards Montgomery onleft or Rt. 17K to Rt. 211, Montgomery 4 miles on right.

730 RT 211 • MontgomeryOPEN 7 DAYS 8AM - 5PMwww.manzafamilyfarm.net

MANF-128647

WE OFFER COMPLETE

INSURANCE PROGRAMS

MAGE-12828467 East Broadway, Monticello, NY

Merrell Bencowww.mbagency.com

796-1500

Lawrence Miller associateswww.lbmillerinsurance.com

292-2100

Business Coverage

• Liability, Fire, Crime, Marine

• Worker’s Compensation

• Package Policies

• Business Automobile

• Boats

• Automobile

• Homeowners

• Umbrella Policy

• Valuable Property

Personal Coverage

Documents

Home in the Country Fall 2013