Life and Homes Central New York

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Central NY Life and

HomesHelp For the Remodeling Challenged

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2 We bring people and homes together.

Oneida COunty ny, editiOn

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Life and

HomesHeaded in the Right Direction What’s not to love about may? it’s the month when everything seems to revive, come alive. may’s the time for sprucing up the lawn, putting the furniture back on the deck, cleaning the garage, tuning up the mower. You have to admit, there’s something especially exhilarating about those those first warm days and comfortable evenings. may is a “we’re not quite there, but we’re headed in the right direction” kind of month.

Buyers and sellers have their eye on the spring market, hoping april’s slight upswing continues and even escalates. With the possible exception of military members, (Tax Credit extended for military members, pg 3), the first-time home-buyer tax credit has ended, leaving us to wonder how the local market will react. a survey of real estate professionals indicates the majority, 77%, expect housing prices to remain the same - (is it Time to Buy?, pg 4). stable market prices and decent interest rates may help keep the real estate marketing moving forward this summer. it’s an opportune time to head out and take a look at what’s on the market.

This issue of LifeandHomes showcases local business services and features for sale listings from Realtors, investors, for sale By owners, Contractors, manufactured Home Builders, developers, and Commercial developers. Browse through the property listings, articles and helpful resources, then visit www.LifeandHomes.com our online, all-inclusive listing service, and use the easy search options to see even more properties.

While may gives us plenty of reasons to celebrate, there are a few days that really stand out. mother’s day is may 9th. if you’re fortunate enough to still have her with you, take time to honor your mother. memorial day, may 31, is a day set aside to remember those who have died in military service. i’ll be sending out a salute to my friend John that day. We will never forget, buddy. i hope you’ll also remember to pay tribute to our troops on armed forces day, may 15th, the day we have the welcome opportunity to pay special tribute to the men and women of the armed forces.

make time to remember, honor and pay tribute. it keeps us all headed in the right direction.

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

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BackyardSummer Safety Before summer’s in full swing, make sure your backyard is ready for the season’s get-togethers and activities.

QBe Regional senior vice President Charles valinotti recommends:

* do a deck check — make sure your deck is secured to your home by heavy-duty steel bolts specially designed to secure wooden structures. if your deck is simply nailed or screwed on, it could pull away from the house. Treat and seal the deck if necessary.

* inspect your play area — Your backyard swing set and other playground equipment should have plenty of shock-absorbing materials — such as wood chips or sand — underneath and on the perimeter. Replen-ish those materials if they look skimpy.

* de-clutter — Put away toys, tools and lawn equipment.

* Clean before cooking — Before firing it up, give your grill and its grates a good cleaning with soapy water.

* invest in extra protection — Buy a grill pad or splatter mat to place under your grill. These naturally heat-resistant pads made of composite cement or plastic will catch grease that misses the drip pan and help prevent a flare-up. (aRa)

Tips for Combining HouseholdsBecause today’s first marriages are occurring

later in life - not to mention second marriages - more often the modern dilemma is whose couch stays and tallying how many flat-screen Tvs the couple has between them.

The pros at Two men and a Truck moving company offer couples some advice for combining households:

* Go through each house together, and identify which items are duplicates. if you can legitimately use two of something in your new life, such as televisions or stereos, go ahead and keep both.

* Try your best to remove emotional attachments simply because it is yours. Realize that the more you streamline now, the easier your move will be.

* organize with boxes and colored markers. Contact your local Two men and a Truck moving company to purchase a variety of box sizes before you begin so you can appropriately tag and box both items that stay and those that go along the way.

* Think about donating to those in need. if a garage sale isn’t of interest, consider donating to local churches or synagogues, homeless shelters or the salvation army.

for more moving advice, visit www.twome-nandatruck.com. (aRa)

Is It time To Buy?a HomeGain survey conducted in march 2010 shows 77 percent of real estate profes-sionals nationwide think home prices will either stay the same (48 percent) or decrease (29 percent) in the next six months.

Top 10 states Where Real estate agents and Brokers Think Home Prices Will Go down in the next six months:

minnesota (82%)oregon (65%)illinois (54%)Utah (50%)michigan (42%)new Jersey (44%)nevada (43%)Connecticut (42%)Washington (35%)new York (35%)

sixty-three percent of surveyed agents and brokers indicated that their home buyer clients think homes for sale are overpriced. seventy-seven percent indicated that homeowners think their home is worth more than their agents’ recommended listing price. (www.homegain.com)

Stage Set For Early Mosquito Seasonmany regions of the country are experiencing an unusually warm and wet spring – a weather pattern that is likely to foster an earlier and more severe mosquito season, the national Pest management association (nPma) warns. The nPma is asking homeowners to take action now to eliminate potential breeding sites for mosquitoes on or around their properties.

nPma offers these tips to protect homeowners from mosquitoes:• eliminate sources of stagnant water including birdbaths, “kiddie” pools, swimming pool covers, barrels, and other objects that collect water.• add a fountain or drip system to birdbaths and ponds on your property to keep water fresh.• Keep windows and doors properly screened.• Be alert when outdoors during dawn and dusk hours, when mosquito activity peaks.• avoid wearing loose-fitting clothing, open-toe shoes and sweet-smelling perfumes or colognes when outdoors.• Plan ahead for spending time outdoors and wear mosquito repellant with deeT.• if you have a mosquito infestation on your property, call a pest professional for additional advice and treatment.For more information or to find a professional in your area, please visit: www.pestworld.org.(NAPSI)

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newsShortsProper Landscaping Reduces Cooling & Heating CostsAccording to the U.S. Department of Energy, the typical family spends about $1,900 a year on home utility bills. And each year, electricity generated by fossil fuels for a single home puts more carbon dioxide into the air than two cars.

Proper insulation, weather stripping, caulking and using a programmable thermostat will help save money. Trees, shrubs and plants will make a difference, too.

in fact, the government says shading from trees can reduce surrounding air temperatures as much as 9 degrees. That saves you money on your air-conditioning costs. shrubs placed near the base of your house can lower the wind chill near your home in the winter. Trees and shrubs additionally absorb carbon dioxide and release oxygen into the air.

Things to consider:• Check with your local nursery or cooperative extension service for advice on the best trees for your home and your specific needs. for ex-ample, you shouldn’t plant an ash tree in an area that’s under quarantine from a devastating insect called the emerald ash Borer.

• deciduous trees, the kind that have full cano-pies during the hot summer months, should be planted on the east and west sides of your house to help keep it cool in the summer and allow the sun to shine in the windows in the winter.

• The department of energy says shading your air-conditioning unit can increase its efficiency by as much as 10 percent.

• Plant trees a minimum of 10 feet from your house to prevent overcrowding or damage to your home from roots.

• space your trees and shrubs according to what they’ll look like when fully grown, not what they look like now.

“Trees are investments that need protection from destructive insects like beetles and bor-ers,” says Lance Walheim, Bayer advanced™ Garden expert and co-author of “Landscaping for dummies.” “Preventing insect problems can save your trees and save you money in the long run.”

Bayer advanced Tree & shrub Protect & feed kills insects and prevents new infestations for up to a year with just one application. it also contains a slow-release fertilizer to strengthen your tree. Be sure to read and follow all label directions. (Product not registered in Long is-land, nY.) visit Bayeradvanced.com for more tree care information and how-to videos or call (877) BaYeRaG. (naPsi)

Tax Credit Extended for military membersThe first-time homebuyer credit, which required homebuyers to buy a home on or before april 30th, hasn’t ended for everyone according to the iRs.

They report that, “members of the military and certain other federal employees serving outside the U.s. have an extra year to buy a principal residence in the U.s. and qualify for the credit. Thus, an eligible taxpayer must buy, or enter into a binding contract to buy, a principal residence on or before april 30, 2011. if a binding contract is entered into by that date, the taxpayer has until June 30, 2011, to close on the purchase. members of the uniformed services, members of the foreign service and employees of the intelligence community are eligible for this special rule. it applies to any individual (and, if married, the individual’s spouse) who served on qualified official extended duty service outside of the United states for at least 90 days during the

period beginning after dec. 31, 2008, and ending before may 1, 2010.”

seek professional advise to assure qualification before making a purchase. (source irs.gov)

five “Keys” to Homeownership 1. obtain a credit report. 2. establish a budget. 3. secure a down payment. 4. Understand mortgage options.5. Get pre-approved.

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newsShorts

Military tribute Series: drew macewen, former navy

nuke, now owns his own

fi nancial fi rm and espouses the

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Creative entrepreneurism: Laura allen began helping

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This Month on Spotlight:

Writing & Getting Published:John dedakis, award-winning jour-

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Thinking of remodeling but don’t know where to start? “Whether you’re an expert do-it-yourselfer or this is your first home improvement project, the internet can be an excellent resource,” said danny Lipford, host of the nationally syndicated television show, “Today’s Homeowner with danny Lipford,” and frequent contributor to “The early show” on CBs. “and the tools available on the Web just keep getting better and better - with educational videos, downloadable shopping lists, budget and return-on-in-vestment calculators.”

Getting started: the aBC’s of ROi With a project as daunting as remodeling a home, sometimes the most difficult part is just getting started. The key? Prioritizing. start your renovation by concentrating on the rooms you use the most and offer the best return on investment (Roi): your kitchen and your bathroom.

according to Remodeling magazine’s 2010 Cost vs. value report, homeowners will recoup the greatest share of their costs by foregoing super-deluxe projects in favor of mid-range kitchen and bath remodels. a mid-range kitchen remodel brings an average 72.1 percent return on investment and a mid-range bath-room project has an average 71 percent cost recovery.

Budget-minded enhancements a “mid-range” kitchen or bath remodel sounds great on paper - but what types of projects does that really entail? Realtor magazine offers a few budget-minded enhancements to consider when remodeling: * add or replace tile - Purchase low-cost tiles to replace a dated backsplash or add a new one. * install granite tile instead of a slab - While granite kitchen counters are extremely popular, they can be a $5,000 upgrade. instead, put in 12-inch granite tiles for as little as $300 in materials. You’ll get the same impact for less. * freshen up your bathroom. This is a room that can be refreshed with little effort: try simple updates like regrouting tile or reconditioning cabinets. These small upgrades can make a big impact.

or, if you want to tackle something a little larger - nothing makes a style statement like a new bath-room faucet. The new method bathroom collection from moen features clean lines, soft curves and a

sophisticated, modern look. and not only does the method collection look great, but it’s eco-friendly, as well - meeting Watersense criteria and offering 30 percent water savings, without sacrificing performance.

Planning on the World Wide Web now that you’ve decided on the projects you’d like to undertake, it’s time to begin the planning process. Begin by looking at everything from current trends and style options to the nuts and bolts of estimated budgets and time to completion.

In the kitchen Websites like dannylipford.com are a great place to get ideas and support from fellow homeowners. The site diYnetwork.com gives visitors an overview of a variety of kitchen projects, with step-by-step instructions, a list of the materials needed and the products their designers recommend. and, there’s a time frame, price range and difficulty level listed for every project, helping you to choose a kitchen re-model that’s doable for you. In the bath moen’s website is another great resource and fea-tures many design and planning videos to help in-spire homeowners. The site even offers an interac-tive faucet selector tool, which helps you choose the right faucet for your space. simply answer a few questions about your decorating style, how much you’d like to spend and which finish and features are important to you. another way to stay up to date in the remodeling world is by signing up for moen’s at Home enewsletter, which provides trends and ideas for your home.( aRa)

Help for the Remodeling Challenged

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Rome $284,900Meticulous home with soaring ceilings, hardwood fl oors, fi replace, beautiful landscaping. Adjacent to the Rome Country Club.

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.

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

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

Deerfi eld $239,000 Rome $163,500Sprawling 4 bedroom , 2 bath ranch with hardwood fl oors, beautifully updated kitchen and living room with fi replace.

Little Falls $379,000Limestone house and barn with sweeping views. Stunning! Hard-wood fl oors, updated bathrooms and open kitchen area.

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.

Vernon $329,000Spacious 4 bedroom home with open fl oor plan. Large family room and oversized master suite, living room with fi replace.

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

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PRIME PROPERTIES

#1 Coldwell Bankerin New York State

Sauquoit $349,900 2,152 sq/ft 4 bedroom updated farmhouse, many outbuildings, 78 acres with incredible country hillside views, riding trails. Richard Parent Ext. 203

Clinton $559,500Luxurious new construction with 4 bedrooms, study with fi replace, deluxe kitchen and hardwoods. Fine quality throughout. Gaetano Belmonte Ext. 202

Little Falls $379,000Limestone house and barn with sweeping views. Stunning! Hard-wood fl oors, updated bathrooms and open kitchen area. Gaetano Belmonte Ext. 202

Clinton $309,900Amazing ranch with all the updates! Living room w. gas fi replace, kitchen has stainless appliances, 5 bed-rooms 3.5 bath and much more. Jodie DeCosty Ext. 201

Deerfi eld $279,900Executive Cape on 2 acres. First fl oor master suite, hardwood fl oors, fi replace, formal dining room and much more! Gaetano Belmonte Ext. 202

Barneveld $264,900Unique updated residential Victorian plus 2 family home! 2,846 sq/ft, 5 spacious BR’s, beautiful open kitchen, 9.6 rural acres. Richard Parent Ext. 203

Clinton $219,500Nothing to do but move in. Owner has done it all for you. Check ot the web site at www.128fountainview.com for all the exciting details. Kathy White Ext. 215

New Hartford $264,900Want no maintenance, upscale features in a home then this is for you! 3 bedrooms plus offi ce with master suite on 1st fl oor. List of features is impressive. Come see! Laura Minard Ext. 205

Clinton $209,000Seller is offering a $10,000 redecorating allowance. WOW !! What a deal. Over 2,700 SF. Check out the web site www.3338stateroute12b.com You will love it. Kathy White Ext. 215

Russia $239,900Classic 3 BR federal style home set on park like 3.8 acres! open kitchen, loft, sunroom, 4 fi re places! large barn & workshop. Richard Parent Ext. 203

Mohawk $199,000Convenient village location with municipal power. Expansion possibilities for 3rd fl oor master suite. Heated garage w/6 car parking, game room and workshop. Debbie Roberts Ext. 239

Westmoreland $239,000Priced to sell! First fl oor master suite, spacious kitchen, 2-story entry, cathedral ceilings, hardwood fl oors on 3.4 acres. Gaetano Belmonte Ext. 202

Lee $189,9003Br, 2Ba home w/many updates & improvements; includes new hardwoods & laminate fl ooring, updated baths, new dishwasher, range, disposal, new walkway, & new shed. Jan Cidzik Ext. 209

New Hartford $220,000Spacious 4 bdrm 3 bath beautiful home. Formal living and dining rooms, kitchen with a slider that leads to the deck. Laundry area located in basement.Lisa Filetti Ext. 206

Westmoreland $179,900Completely renovated; located in a quiet small town with great school district. Original woodwork and hardwoods throughout. Fireplace in LR, modern kit. Scott Kelley Ext. 242

4957 Commercial Drive Yorkville NY

Call 768.1680

Deerfi eld $229,900302 Tumbleweed DrExceptionally well maintained home. Opper Kitchen w/island & appliances, formal dining, living, family room w/stone fp. Spacious bdrms, multi level deck.Laura Minard Ext. 205

Home Highlight

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The Area’s Premiere Real Estate Search Engine!

West Winfi eld $176,000Pristine ranch, stunning updated kitchen, dramatic family room, vaulted ceilings, lower level family room, bar & much more. Richard Parent Ext. 203

Clinton $174,900Defi nitely not a driveby! Updated throughout, offers eat in kitchen, formal living & dining rooms, family rooms, 4 bedrooms, 2.5 Baths. Jodie DeCosty Ext. 201

Whitesboro $172,500Craftsman period home constructed in 1905. Enjoy entertaining in the lower level or amongst the elegant woodwork & hardwoods on main level.Gloria Rocci Ext. 217

Clinton $169,900Charm & character preserved yet updates tastefully done. Eat in Kitchen w/new appliances & counters, formal dining & living, 3BR, 2 baths.Jodie DeCosty Ext. 201

New Hartford $159,900Delightful, old-style Colonial in Meticulous shape. Classic design with numerous updates, gleaming hardwoods, working fi replace, updated kitchen with Formal DR. Scott Kelley Ext. 242

Vernon $149,900Ready for immediate occupancy! New Septic and water lines and tons of updates in this 3 Bedroom 1,400 SF Ranch. Web site: www.4902stateroute5.com for details. Kathy White Ext. 215

Rome $89,900Adorable cape home on 2+ acres. Many updates. With working fi replce, sunroom, hardwood fl oors. Interior being painted just bring your furniture and move in.Laura Minard Ext. 205

Marcy $149,900Updated farmhouse on 5 beautiful acres. Featuring 4 bedrooms, loft, country kitchen with woodstove, sun-porch with view. Gaetano Belmonte Ext. 202

Herkimer $79,900Not a drive by! Deceivingly spacious 3 bedroom, 2 full bath home. Many up-dates including oversized baths, fl ooring, deck, and mostly new windows. Diana Raymond Ext. 207

Vienna $275,0003,543 Sq Ft. log cabin on 25.81 Acres, w/ fi ve bdrms, 2 baths, a large master suite with an attached sun room and private bath, 3 car detached garage, & deck.Ryan Kirch Ext. 222

Utica $69,900Brand new gleaming hardwoods! Beautifully maintained home, priced to sell. Must see!

Yulanda Robinson Ext. 211

Utica $135,000Charm and character in this surprising 3bd, 2 ba home with open fl oor plan and new kitchen! Updated front porch, electrical, plumbing, insulation, paint, and 14 new windows! Jan Cidzik Ext. 209

Utica $62,000Great income property! Apartments are already occupied. Close to schools. Must see!

Yulanda Robinson Ext. 211

Sauquoit $114,500Priced to sell! Two cute houses on one lot. Won’t last long make your appointment today.

Lorene Prenderville Ext. 213

Rome $61,9003 bdrm, 1 bath home with Breakfast Area & DR. New kit and bathrm fl oors. Newer win-dows, roof, water heater, bath cabinets, & light fi xtures. Deck & above ground pool. Jan Cidzik Ext. 209

www.ColdwellBankerPrime.comCall 768.1680

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R. Kessler & Associates

Homes Under Construction, Please Stop By & Visit

Home Builder, Site Development, & Project Management

R. kessler& ASSOCIATES

Robert Kessler

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

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Your All Inclusive Home Directory LifeandHomes.com

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

Melissa ClarkRealtor

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

600 French RoadNew Hartford, NY 13413

Joseph R. Carucci Real Estate

7146 Beaver Trail 2 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41340Clemens-Beckley Real EstateWendyPalinski•315-334-1046

Lic. R.E Salesperson • [email protected]

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

Alder Creek $179,900Eastern Adirondack Home and Design Custom Log Homes

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

Owner • [email protected]


Central New York

9551 Mullen Hill Road Lot for Sale

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

FSBO • [email protected]


Ava $5,0003590 Oneida Street 3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41359Hunt For HomesJeanHunt•315-725-4700

Broker/Owner • [email protected]


Chadwicks $190,000

4969 W Ava Road 2 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41357Mark 1 Real EstateJoeDiMaggio•315-337-6070



Ava $269,000308 Drive 30 - North Shore Oneida 4 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41306Schaal Real EstateTerryG.Schaal•315-264-1518

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


Cleveland $250,000

6945 Stokes Westernville Road 3 Bedrooms / 2.0 Baths

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



Ava $174,90015 Kellogg Street 3 Bedrooms / 2.5 Baths

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

Lic. R. E. Broker • [email protected]


Clinton $299,000

NYS Rt 13 19+ Acres




Camden $45,0003804 Fountain Street 3 Bedrooms / 1.0 Baths




Clinton $149,900

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

In today’s real estate market, you need to work with a company you can trust that has professionals you can rely on. Whether you are buying or selling your primary residence, a second home, or relocating to a new neighborhood, RE/MAX Realty Results can help make your homeownership dreams come true.

Olga GrandinetteRE/MAX Realty Results

Phone: 315-732-2336 Web: www.Remax-RealtyResults.com

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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 $99,900417 Main Street 6 Bedrooms / 2.5 Baths

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

Realtor • [email protected]


Coldbrook $179,900

3667 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 $269,9003706 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 $127,000

171 Sanford Avenue 4 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41205Coldwell Banker Prime PropertiesJodieDeCosty•315-723-8554

Lic RE Associate Broker • [email protected]


Clinton $174,9003708 Sweeney Road 2 Bedrooms / 1.0 Baths




Constableville $99,900

116 Homewood Drive 5 Bedrooms / 3.5 Baths




Clinton $309,900302 Tumbleweed 3 Bedrooms / 2.5 Baths




Deerfield $234,900

1 Utica Street 3 Bedrooms / 2.0 Baths




Clinton $169,900903 Peckville Road 3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41373United Country Real Estate/HBE Group, Inc.SharonBaisley•315-429-9754

Lic. R.E. Broker • [email protected]


Dolgeville $89,500

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]

Amy La ClairLicensed Real Estate Broker

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

Professional & Courteous Real Estate Services

New Nest Realty Gaetano’s Clients Enjoy Professional

Real EstateHome Staging

Go to SellingCentralNewYork.com or call 768.1680 x202

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Your All Inclusive Home Directory LifeandHomes.com 80 VanBuren Street, 4 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41367United Country Real Estate/HBE Group, Inc.SharonBaisley•315-429-9754

Lic. R.E. Broker • [email protected]


Dolgeville $99,5007957 Elm/Thompson 3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41338Clemens-Beckley Real EstateSharronPuglio•(315)334-1046



Holland Patent $119,500

1541 River Rd. 2 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41298Dominion HomesAmyAbdoo•315-794-2653



Hamilton $33,9004216 Bristol Rd. 3 Bedrooms / 1.0 Baths




Kirkland $59,900

320 South Washington - Commercial Turnkey Business Opportunity

For more details visit www.LifeandHomes.comType in Quick Search #41331Accent Brokerage, Inc.BeckySmith•315-868-3098



Herkimer $130,0005345 Lee Center-Taberg Road Turnkey Restaurant

For more details visit www.LifeandHomes.comType in Quick Search #41326RE/Max All ProTonyAbone•315-339-2222



Lee Center $156,700

122 Albany Street - Commercial Retail + 8 Apartments




Herkimer $350,000Tuttle Avenue 3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41353RealtyUSADonnaGustin•315-446-8291-210



Lenox $189,900

8651 Edwards Rd - Land for Sale 8 Acres




Holland Patent $34,900137 Lakeview Dr 4 Bedrooms / 3.0 Baths - Drastically Reduced

For more details visit www.LifeandHomes.comType in Quick Search #41322Bruce Ward & CompanyBarbaraWiers•315-866-3356

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


Litlle Falls $240,000

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.)

Great Service, Dedication &

Integrity!Call Me Today

Steve DellerbaPrudential Joseph R. Carucci Real Estate

600 French Road New Hartford, NY 13413Email: [email protected]

Office: 315-733-0463 x 212 Cell: 315-725-9152 Joseph R. Carucci Real Estate

Barbara Dunn Realty

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

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My philosophy begins with the belief that clients should be treated as friends and with the highest amount of respect. High-pressure sales tactics are not part of my philosophy. I help my clients explore their real estate goals then focus my energy on helping them attain those goals. My mission is to offer superb service that is accompanied by exceptional value for all my clients while earning trust and ensuring my client’s happiness.

Tracy Winterton1st Rome Properties



5514 Maynard Pk 2 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41341Clemens-Beckley Real EstateJillShafer•315-334-1046



Marcy $56,90026 Dockside Drive - Waterfront Condo 2 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41395Coldwell Banker Prime PropertiesDebbieRoberts•315-796-2830

Licensed RE Agent • [email protected]


Morristown $195,000

6386 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 $154,900Mallory Road 3 Bedrooms / 2.0 Baths

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

Contractor/Developer • [email protected]


New Hartford $259,000

9389 River Rd. 3 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41348Rivet RealtyRivetRealty•315-369-6573

• [email protected].


Marcy $129,0003773 Mohawk Street 4 Bedrooms / 4.5 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41369Coldwell Banker Prime PropertiesGaetanoBelmonte•315-768-1680



New Hartford $1,600,000

1581 State Route 28 4 Bedrooms / 2.0 Baths




Mohawk $189,90020 Estates Drive 3 Bedrooms / 2.5 Baths





38 Church Street 3 Bedrooms / 1.0 Baths

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



Mohawk $94,5003728 Snowden Hill 3 Bedrooms / 1.5 Baths





8086 Seneca Tpke Clinton, NY [email protected]

315-732-9577

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

No Job Too Small!

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

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14 Barns Ave , Utica $58,000

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

$1,000 Monthly IncomeQSN 41141

QSN 41143

1021 Hope St , Utica $58,000

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

$1,000 Monthly Income

1013 Hope St , Utica $58,000

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

$1,250 Monthly Income

1008 Hope St , Utica $58,000

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

$850 Monthly Income

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

Package Deal!All 4 Properties

$232,000Price Negotiable

Gross Monthly Income

$4,100

Investor’s Specials

Properties can be purchased separately.

ROP Permits in City of Uticafor all properties.

QSN 41142

QSN 41144

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

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

LEading agEnt in central new York

for nearlY 2 decades

there are 3 words to know to Successfully Buy & Sell

real estate in central new York.John Brown Team

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

You Gotta Have Faith.

Mohawk Valley’s#1 Selling

Coldwell Banker For Over 25 Years!

2306 Genesee StreetUtica, New Yorkwww.Central New York.com 735-2222

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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

MarcyOpen the door to elegance and easy living in this superbly crafted 3 bedroom, brick ranch with a total of 19 +/- acres of land. Over 2500 square feet of 1st fl oor living space and an additional approximate 1200 square feet fi nished lower level. Gorgeous oak columns & woodwork. Open fl oor plan. Lots of privacy. 44X56 pole barn with heated workshop. Too many qualities & amenities to list. See broker for additional features & complete highlight sheet.

$475,000MLS #1001248

NEW LISTING

East Utica

Updated 3 bdrm, 1 bth ranch in a very desireable 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

NEW LISTING

West Utica

Newly renovated home offers 3 bedrooms, 2 baths; new roof, siding, windows, doors, interior completely renovated! Located on a double lot. Laundry on same fl oor as bedrooms! A must see.

$89,900MLS #1000824

West Utica- Income Producing

Well maintained historical building situated close to State Offi ce Building, Oneida County Court House and retail businesses. Property has two separate deeds, one designated for offi ce building, one for parking lot included in sale. See broker for additional information.

$99,900MLS #1000833

New Hartford

All new interior from fl oors & walls to ceiling, windows, furnace, kitchen & baths. 3 Bdrm, 2 ½ bath, w/1st fl r master, master bath, 1st fl r laundry, formal dining overlooks sunken family room, tiled foyer & kitchen, 2 bdrms & playrm/computer rm on 2nd fl r. New York Mills schools. Situated on a double lot w/screened sun porch. All new & incredible buy!

$134,900MLS #1000989

NEW LISTING

NEW LISTING

NEW LISTING

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

$799,900MLS #200704203

Remsen

Wonderful, 4 bdrm, 2 ½ bath, year round home on the waters of Black River leading to Kayuta Lake. Full 40’rear deck overlooking water & boat dock. Views from master suite & lr w/sliders to deck. Easy one level living w/2 additional bedrooms & 1/2 bath up. Fireplace in lr. Fully furnished. A great home.$309,000

MLS #912298

Frankfort

Move right into this village home in well maintained condition. Lr, dr & 3 bdrms have wood parquet fl rs. Oversized fr w/beautiful fp & hdwd fl rs. Large kit open to dr. 1St fl r 1/2 bath & laundry. Great sunrm overlooking ingrnd pool. Newer roof & hw tank. Village elec. A real charmer inside & out.

$119,000MLS #912402

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!

$219,000MLS #912805

South East Utica

Unique english tudor situated on a private wooded setting. 2760 Sq ft of classic style & outstanding craftsmanship. 4 Bdrm, 2 full baths, 2 ½ bths. Updated kitchen & baths, featuring mosaic tiles & stainless appliances. Open lr/dr, great fr w/ fi replace & beamed ceiling and wet bar. Mstr suite has gas fp. Avanti sound system thruout. Too many ameneties to mention.

$399,000MLS #911363

New Hartford

History combined with charm is what will inspire you to fall in love with this beautiful 1825 home located in the village of new hartford. Over 4,000 sq ft. 5 Bdrm, 2 ½ baths. An exquisite sunroom leads you to a park like yard with gorgeous gardens and an ivy covered rock wall. $299,000

South East Utica

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

$109,900MLS # 1000700

New Hartford

Spacious split level home in popular Benton Hills. 3 Bedrooms, 2 baths. Fireplaced lr, dr, family room w/entrance to rear yard. Hardwood under lr & dr carpet. Oversized garage. Great cul de sac location. $174,900

MLS # 1000641

New Hartford2 Lots Deeded as One. 90’ Frontage. Public Utilities $12,500.

New HartfordCleared & manicured building lot. Survey, utilities in front of property. Mature trees. Highly desireable location. $29,500.

New HartfordHigby Hills Estates; 3 lots up to 5 acres. All public utilities. All on Pebble Creek Lane. From $51,500.

SauquoitEmerald Hill Estates $28,500FrankfortRolling hills. All public utilities. From $22,000.

Whitetail MeadowsAll public utilities. From $30,000.

South East UticaOver 2 acres. $59,900.

Sylvan Beach2.89 Acres on Main St., $145,500.

Sylvan Beach6 Parcels. $100,000.

LenoxClose to Rt. 13 & Sylvan Beach. $39,000.

Prime New Hartford development land. 45+ Acres. Public water available. $495,000.

MLS #1000669

Land & Building Lots

NEW PRICE

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Your All Inclusive Home Directory LifeandHomes.com 26 Rockport Road 3 Bedrooms / 2.0 Baths




New Hartford $179,500338 Earl Avenue 2 Bedrooms / 1.5 Baths




Oneida $93,900

3069 North St 4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41323Bruce Ward & CompanyMarieScialdone•315-866-4892

Licensed RE Agent • [email protected]


Newport $189,90014000 State Rt 28 3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41332Re/Max Realty ResultsOlgaGrandinette•315-794-1554



Otter Lake $244,000

230 Spruce Drive 3 Bedrooms / 2.0 Baths




Old Forge $339,900111 W Thomas - 8 unit Commercial




Rome $189,000

144 Old Indian Trail 3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41394JoAnn Longo RealtyJoAnnLongo•315-733-5394



Old Forge $309,000328 Ridge Street Commercial Sale or Lease

For more details visit www.LifeandHomes.comType in Quick Search #41374Royal RealtyRobSavoy•315-337-2229



Rome $950,000

312 Broad Street Office Space for Rent




Oneida7093 Herkimer Ave - Duplex 4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #413431St. Rome RealtyBonnieSieffert•315-525-6801



Rome $79,000

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

Amy AbdooDominion Homes


800-432-8669

Smith Inspection Services, llc

call 315-363-8074

Serving Central NY and the Mohawk Valley

Pre-Listing & Buyer InspectionsSeptic System Inspections & Dye Tests

Water Purity & Quality Tests

35 Years Commercial Construction Experience5 Years Home Inspection Experience

PO Box 126, Sherrill, NY 13461

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104-106 3rd St - 2 unit Investment Opportunity

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

Licensed R.E. Agent • [email protected]


Rome $49,0008103 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 $284,900

600 W Thomas Street 3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #413421St. Rome RealtyBonnieSieffert•315-525-6801



Rome $67,000507 E. Bloomfield St. 3 Bedrooms / 1.0 Baths




Rome $38,000

2 Carmel Drive 3 Bedrooms / 2.0 Baths

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



Rome $64,000617 Turin Street 4 Bedrooms / 3.0 Baths




Rome $217,000

6199 Lorena Road - 2 Homes3 Bedrooms / 1.5 Baths

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



Rome $175,0006 Pine Haven Circle 3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41344National M&D Dailey RealtyMariaE.Dailey•315-336-0433



Rome - Outside $44,500

802 Massena Avenue 3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41366Assist2Sell Seller’s and Buyer’s 1st Choice!JoanneShedd•315-790-1997



Rome $104,900219 E Whitesboro 4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41345National M&D Dailey RealtyMariaE.Dailey•315-336-0433



Rome $69,000

MidStateContracting

Barry Kotary7710 McKern RdRome, NY

Siding • Decks Windows • Additions

Overhead Doors Fully Insured

FREE Estimates

315.335.8073

Sellers & Buyers 1st Choice!147 Genesee StNew Hartford, NY 13413Office: 315-735-9244Fax: 315-735-6941Mobile: 315-790-1997Email: [email protected]: www.assist2sell.comEach Office is Independently Owned & Operated

For One Low Fee,You Can Enjoy the

Professional Services of a REALTOR to Sell Your Home!

Joanne SheddLicensed Sales PersonAssist 2 Sell

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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 Cell (315) 868-2435

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 Cell: 315-868-2435

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

Rome $58,9003 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.

Rome $149,900For sale is an old farmhouse and farm buildings. All buildings in poor condition.Farm/pasture in past.Age of buildings uncertain.Taxes have not been verifi ed/updated.Acreage is approx. Buildings could be sold separately. Nice area for hobby farm.Small pond with stream.

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

Rome $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!

Rome $29,9004 Bed/2 Bath Nice 2 Family Home. Spacious. Good Condition. Large Backyard- to Creek. Garage and plenty of parking. Nice Investment. Furnace for downstairs is 2½ years old.

Rome $79,900Very Nice Two Story Home. Downstairs Has Been Remodeled To Include New Kitchen, Bath With Double Sinks, Computer Area & French Doors Leading To Patio Off Kitchen. Large Yard And Plenty Of Parking.

Rome $174,900Think! This beautiful building houses an adorable up-stairs apartment plus beautiful retail space - currently home to a gift boutique. A greenhouse for additional space, plus a warehouse in the rear. Lots and lots of updates have been made. Possibilities galore! Think of what you can do.

Denise WitchleyLic. Real Estate Broker/Owner

337-0841 offi ce335-6971 cell337-7973 faxFor more information on any of these homes, visit

www.LifeandHomes.com and type in the QSN#

QSN#41379

QSN#33888

QSN#41157

QSN#41380

QSN#33755 QSN#33858

QSN#33926

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

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KD Homes featuring

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

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

KD Homes Rt 12 Waterville, NY 13480

841-8700 email [email protected]

web kdhomesny.com

534 Mill Brook Road 3 Bedrooms / 1.5 Baths

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

Investor • [email protected]


Rome $59,500100 W. Seneca St. Commercial




Sherrill $159,900

8346 Forest Lane 2 Bedrooms / 2.0 Baths




Rome $163,5001314 Vienna Rd 2 Bedrooms / 1.0 Baths

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



Sylvan Beach $67,000

611-613 Chatham St. 3 Bedrooms / 2.0 Baths




Rome $149,900914 Mildred- 2 family 4 Bedrooms / 2.5 Baths




Utica $124,900

211 E Linden Street 3 Bedrooms / 1.5 Baths




Rome $119,5001603 Dudley Ave 6 Bedrooms / 2.5 Baths




Utica $37,500

3233 Mohawk Street 3 Bedrooms / 1.5 Baths




Sauquoit $125,000702 Jefferson - 2 Unit 5 Bedrooms / 2.0 Baths




Utica $63,500

Builder Land toursAre you a builder, a buyer looking to build or just nosy?

Come take a tour of multiple locations offering over 300 acres in deerfi eld, sauquoit and Hinckley Lake. meet the owners and maybe your builder! Builders: meet your next buyer!

Call any time schedule your tour. schedule your tour during the work day, after hours or on the weekend.

Call Rob: 315-235-3753

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

Richard ParentColdwell Banker Prime Properties

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

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Olga GrandinetteRE/MAX Realty Results

In today's real estate market, you need to work with a company you can trust that has professionals you can rely on. Whether you are buying or selling your primary residence, a second home, or relocating to a new neighborhood, RE/MAX Realty Results can help make your homeowner-ship dreams come true. Focusing on excellent customer service has inspired our company to build an effective combination of results oriented professionals, superior technology and high ethical standards - all working to provide our clients with the most positive real estate experience possible.

14000 State Route 28Otter Lake, NY

6325 Moot RoadOneida, NY$244,000 $389,000

Mission Style, year round home with water rights. Home offers newer, spacious kitchen, formal dining room, hardwood fl oors, lg fi eld stone fi replace, leaded glass windows, 3 bedrooms, and 1.5 baths. All natural woodwork, gorgeous open stairway. 400 ft frontage. So much more!

Open House • Wednesday May 12th • 2PM to 4PM

Are you are looking for “peaceful, private” country living with 23+ acres and a Bass stocked pond? Large barn with loft. Home offers 5 bedrooms, 3 baths, 2 fi replaces. Including large in-law apartment. Many updates, hard-wood fl oors, insulated windows, newer kitchen. Relax and enjoy the magnifi cent views on the large front porch or the great deck with pool. Take a look, you will fall in love.

Open House • Saturday May 8th • 1PM to 3PM

PRIME PROPERTIES

St Lawrence River - 1000 IslandsWaterfront Condos

with Boat Slip

New ConstructionStarting at

$184,000

Ground-Middle-Penthouse Levels still available, All with Waterfront Views!

Each 1100 sq ft unit features 2 bedrooms, heat, central air, fully applianced kitchen, washer & dryer, fi replace, carport, and boat slip.

Only 9 Units Remaining! Dockside Resorts, Morristown, NYConveniently Located between Alexandria Bay & Ogdensburg, NY

See more photos at www.26docksidedrive.com Debbie Roberts315.796.2830

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

735-2222

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

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

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Adeline Gri� ths

Anne Hameline

Azza Diorgi

Carla Dochterman

Carole Owen

Dave Malozzi

Linda Cavalier

Luis Montero

Mark Canter

Michael Grassi

Paul Durrigan

Ruth Fanelli

Sam Vedete

Tom Conte

Vera Sadallah

Alice Donnelly

Anthony Desarro

Brett Lojewski

Carol Chiarello

Caroline Marino

Kim Johnson

Linda Kuzniar

Marilyn Valvo

MaryBeth Roberts

Pat LoGuidice

Rosemary Nicotera

Sabrina Arcuri

Susan Alberico

Tom Mazzotta

Wade Evans

Campion-Weeks

735-8515141 Genesee St., New Hartford

www.campionweeks.comVoted Top Residential Real Estate Compnay

Southeast Utica $299,900Gorgeous Dutch colonial with a beautiful cherry kit, solarian breakfast area, DR, FR, study, 5 BRs, 3.5 baths. 3 car garage, Inground pool.MLS#912864www.Campionweeks.com 735-8515

New Hartford $549,900Picturesque 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

Old Forge $499,000Lovely year round contemporary home. 3 BR, 2 baths, cathedral ceiling, stone FP, 133 ft. sandy beach front.MLS#803024www.Campionweeks.com 735-8515

Brantingham Lake $289,900Waterfront, year round home on the lake. Great views, 2 bedrms, many updates. 1 Bedroom guest cottage. 2 car garage. MLS#913245www.Campionweeks.com 735-8515

Sauquoit $279,900Beautiful 5 BD, 2.5 Bath colonial in Emerald Hill Estates. DR, FR, fi nished lower level. Double gar.MLS#100711www.Campionweeks.com 735-8515

Southeast Utica $399,900Spectacular contemporary w/ 4 bedrooms, 2.5 baths, DR, FR, Granite, marble, maple cabinetry, inground pool, offi ce. ‘A Must-See Home.”MLS#101115www.Campionweeks.com 735-8515

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

Frankfort $239,000Stunning 3 BD, 2 bath home with woodmode kitchen, DR, FR, gorgeous view. In-law apt.

MLS#101020www.Campionweeks.com 735-8515

Southeast Utica $235,000Classic and spacious 4 bedrm, 2.5 bath colonial in quiet cul-de-sac. DR, updated kitchen, covered patio. Double garage. Fenced, private yard.MLS#101139www.Campionweeks.com 735-8515

South Utica $185,000Traditional, center hall colonial. Pottery Barn decor! 4 br, DR, 2.5 baths, updated kitchen & baths. 1st fl laundry. Dbl gar. Lower level FR.MLS#100844www.Campionweeks.com 735-8515

Frankfort $158,000Attractive 4 bedrm, 3 bath home in a private setting, yet convenient location. FR, fi replace, 2 car garage.MLS#1000871www.Campionweeks.com 735-8515

Marcy $258,500Gorgeous 4-5 bedrm, 3 bath transitional cape. DR, FR, att double gar. 1st fl oor mstr suite. Central air. Only 4 yrs young. Approx 2600 sq/ft.MLS#912704www.Campionweeks.com 735-8515

New Hartford $119,900Attractive 3 bedroom ranch. FR w/ fi replace, hardwoods, updated boiler, attached garage. Large corner lot.MLS#100933www.Campionweeks.com 735-8515

South Utica $179,900Charming stone French Normandy colonial. 4+ bedrms, eat-in kit., DR w/ leaded glass windows. 3.5 baths, 2 car att. gar. Take a Step Back in Time.MLS#911533www.Campionweeks.com 735-8515

North Utica $144,500Exceptional, exquisite 4 bedroom, 2 bath home. Totally remodeled with new addition to rear, offering DR and master bedroom suite. MLS#912265www.Campionweeks.com 735-8515

South Utica $122,900Nice 3 bedroom, 2 story home in popular Ridgewood. DR, fi replace, garage. Freshly painted interior. MLS#101030www.Campionweeks.com 735-8515

Whitestown $114,900Contemporary chalet style home w/ open fl oor plan. Beautiful, custom kitchen, dining area, 2 bedrooms, huge wrap around deck. MLS#101085www.Campionweeks.com 735-8515

South Utica $124,900Updated immaculate 3 bedrm home in desireable neighborhood. DR, 2 car garage. Oversize, park-like, fenced yard. MLS#100810www.Campionweeks.com 735-8515

Chadwicks $129,900Raised ranch with in-law apt or use as a 2 family. 3 bedrooms in each apt. Separate utlities, 2 car garage. Sauquoit schools.MLS#912942www.Campionweeks.com 735-8515

South Utica $92,000Nice, 2 story with newer roof & furnace. Formal DR, 1st fl oor laundry. Fenced yard.


New Hartford $138,000Wonderful farm house with approx 3200 s/f of living. FR, DR, in-law apt. 4/5 bedrms, 2 baths. 2 car garage. MLS#912433www.Campionweeks.com 735-8515

West Utica $75,900Wonderful 4 bedroom bungalow. Gleaming hardwood fl oors, DR, 2 car garage. Vinyl siding.


South Utica $89,900Attractive 3 bedroom bungalow in popular neighborhood. DR, vinyl siding, 2 car garage. Expansion attic. MLS#101116www.Campionweeks.com 735-8515

Deerfi eld $109,000Wonderful ranch with 3 large bedrooms, 1.5 baths, fi replace, eat-in kitchen, att garage. Decks overlooks private yard.MLS#912729www.Campionweeks.com 735-8515

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717 Plant Street / 2 unit 6 Bedrooms / 2.0 Baths




Utica $52,000642 Tracy 5 Bedrooms / 2.0 Baths




Utica $39,500

15 Hampden Place - 2 family 6 Bedrooms / 2.0 Baths

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



Utica $74,90020 Springate Street 5 Bedrooms / 3.5 Baths




Utica $129,000

3 Sherman Place 4 Bedrooms / 2.0 Baths




Utica $59,900905 Springate Street - 2 units 6 Bedrooms / 2.0 Baths




Utica $62,900

429 Larchmont Ave 4 Bedrooms / 1.5 Baths




Utica $145,0004588 Verona Street 4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41385New Nest RealtyAmyLaClair•315-790-4153



Vernon $154,900

North Utica 3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #34001Buck ConstructionSteve&RickBuck•315-736-0865

Contractor/Developer • [email protected]


Utica $319,9004157 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

Your All Inclusive Home Directory LifeandHomes.com

4 Rutger Park Utica, nY 1350118,000+/-sq. ft. Three story Brick mansion (circa 1854) with 12 Bdrms., 4 full & 5 half baths on 1 acre! Tarvia parking for 20 cars! 3 Bdrms. (or 4 counting living room) & 2 full & 2 half baths on 1st fl oor, 8 Bdrms. plus 2 full & 2 half baths on 2nd fl oor. 3rd fl oor w/huge open library room, half bath & access to attic storage & utilities. full basement w/brick & stone foundation & multiple storage rooms. Call for details or check our website for more information.

dir: from Genesee st. to Hopper st. to Rutger Parkopen House: sat. may 8 & 15, 9-12 noon$2.00 admission charge to be donated to Rescue mission!

Unreserved Real Estate & Contents Auction Sat., May 22, 9 AM

the Swancott Mansion!

Real Estate Auction Co., Inc.

2052 Lamson Rd.Phoenix, NY 13135

www.678-2000.com

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8188 Buck Hill Road 2 Bedrooms / 1.0 Baths




Western $135,0008 Sprucedale Ave 3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41339Clemens-Beckley Real EstateJillShafer•315-334-1046



Whitestown $127,900

208 Main Street 3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41363A.Fumarola /Joyce RealtyLynnCalcagnino•315-732-3456



Whitesboro $139,000Scotch Pines Drive 3 Building Lots

For more details visit www.LifeandHomes.comType in Quick Search #41350Rivet RealtyRivetRealty•315-369-6573

• [email protected].


Woodgate $59,900

55 Main Street 3 Bedrooms / 1.5 Baths

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



Whitesboro $157,000141 Whitesboro Street 5 Bedrooms / 1.5 Baths

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



Yorkville $89,900

Whitesboro $285,000Springs coming! Get ready to enjoy your summer fun in this meticulously cared for Colonial Home on a private Cul-de-sac location. Like new 4 bedrooms 2.5 Baths, Family room w/ Fireplace. Updated throughout. Granite

countertops, 16’ x 16’ � ree Season Sun room. MLS# 1000082 Dan Lazarek (315) 542-4338

Whitesboro $159,900Just Listed! Completely Updated Spacious 3 Bedroom Ranch W/ Open Floor Plan. Features a New Kitchen, Formal Dining Room, New Bath, Hardwood Floors, Beautiful Family/Sun room Which Leads To Deck &

Private Yard. New Bonus Family Room in Lower Level. 2 Stall Garage. Last Home on a Dead End Street. Take a Look at � is HOT NEW LISTING Before it’s Gone!

MLS# 1000828 Bob Spencer 601-0170 O¢ ce 736-8000

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mortgageCorner

When you come to a decision that you want to refinance your loan, usually there are many fees you have to pay. Closing costs are at times very hard to afford and can be avoided, but there is a down side - Interest will go up. There are ways to get a no fee mortgage refinance.

Why would anyone do that? if you want to flip your house (buy a house with a relatively low interest rate, hold it for a short period of time and re-sell it), or if you simply don’t think you would still own this house in 5 years or so - it might be valuable for you.

no closing cost can be attractive but also dangerous; mortgage refinance without closing cost can help you avoid fees like title insurance, escrow charges, recording fees, appraisal costs, broker fees and more, but you will still have to pay insurance, interest, and all applicable taxes.

online there are different websites that have a kind of calculator that can help you find out whether mortgage refinance with no closing costs is a smart choice, or if you break even or lose any money taking this mortgage over other. The calculators do this by finding out how much you would pay with the mortgage refinance with no closing cost every month for the length of the loan and contrast it to the cost of getting a loan with closing fees plus the closing fee itself. at this point it subtracts one from the other and comes up with an amount of months that is called your break even point.

if you think you’ll still own the house after this period of time - taking a no closing cost mortgage doesn’t pay off. at that point it is better for you to pay the closing costs and save money later on, than doing what you think is saving you money but actually will bring you losses in the future.

if you do the math you realize that if you’re keeping the house for 5 years or less it is worth getting a no-closing-cost. if you keep it for a longer period than that, you lose the advan tages of the refinancing with no closing costs, and actually start losing money.

When looking for a loan, check all types of mortgages available and find the one that fits you the best. make sure you check the interest rate, whether it’s a fixed or variable rate, if it has closing fees and what those fees are.

Author William Gold has done extensive research on mortgage refinance no closing cost and no cost mortgage refinance. www.approveall.com

(Source: bestmanagementarticles.com )

no Closing Cost Mortgage Refinance Attractive But DangerousBy William Gold

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!

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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.mohawkhcs.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

on the corner of rt. 8 & 20 mins from Utica.

custom cabinetry, flooring, & Molding for all your

needs.

315-822-0010Member 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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Dairy Farm - 150 m/l acres. 50 acres tillable 60 acres pasture 40 +/- in woods. Good 2 story 49 stall barn with drive in mow, patz barn cleaner, 2” pipeline 1000 gallon bulk tank. 45x45 shop and machinery building, a 45x45 young stock barn. 11 free stalls and pens. 2 upright silos w/good un-loaders. Nice 2 story 5 bedroom home set up for two families. 2 small ponds. Very quiet road, beautiful views, nice location. Borders large state forest. Close to Oneonta and I88 from Binghamton. Owner is retiring.

Otsego County $325,000

Hobby Farm just 10 miles south of Utica, NY. Close to hospitals and shopping, yet this farm is situated in the country. 12 +/- acres in pasture and tillable acres. All on one side of a very quiet road. Good 3 bedroom 2 bath home in very nice condition. Good 2 story barn with stalls and pens for horses and beef cattle, hogs or sheep. 2 other buildings used for machinery storage and shop repairs. This is a nice little farm for the hobbyist with a great location with everything one would need. Quiet and peaceful living.

Utica $140,000

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 stor-age. 2 story barn, has been used for additional storage. r. Close to I90, shopping, hospitals close by. Not far to the Adirondack Mountains.

Herkimer County $199,900

210 acre free stall operation located in Madison County. 140 acres of very good tillable land. 280 stalls total. Fairly new double 10 rapid exit parlor. Large concrete pad for feed storage. Good 2 story 5 bed-room home with 2 baths. Several custom operators in the area for harvesting and planting feed. This farm is turnkey, ready to milk.

Madison County $539,000

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

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

www.ColonialSquareTwinHomes.com

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

315-525-1974 [email protected]

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

ceilings, stone masonry, energy star windows,

formal dining room, granite countertops, and 80%

reduced property taxes.

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.

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

walk-out basement, stone entry, hardwood floors, three

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 QSN#33998 QSN#33999 QSN# 34001

New CoNStruCtioN

North Utica New Hartford North UticaNorth UticaNorth Utica North Utica

North Utica

$319,900

$219,900

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

Come to anOpen HouseCall Laura for Showing

We won’t be undersold.

We will beat any price!

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