Life and Homes Northern New York

Northern NY FreeAugust 2010 Life and

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How Fast Can You Move?

jefferson-lewis co. nY, editionPublished By

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Life and

Homes

David P. Lisi

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

On The EdgeA buddy of mine just took the plunge. After years of homeownership, he found an “upgrade” house at an incredible deal and signed on the bottom line. The idea of gaining additional square footage and appealing upgrades in a family-friendly location sealed the deal. Now comes the challenging part…selling his current home.

Traditionally, more people buy in the spring and move in June, July and August. That’s really no surprise given the fact that it’s generally easier to move when the kids are out of school and the weather is good. So, do buyers and sellers still “make their move” during the other nine months of the year? You bet they do, and if you’re one of the millions planning to buy or sell this year, it’s in your best interest to make sure you have the competitive edge.

Like my buddy soon found out, once your home goes on the market, it’s fair game for scrutiny by the masses. Get comfortable with the idea that potential buyers will open closet doors, peak behind the shower curtain, poke around the garage and inspect the basement. Do yourself a huge favor and prepare your house for showing by de-cluttering, cleaning, painting, and repairing. Invest in making the house as move-in-ready as possible and you’ll already be miles ahead of the competition. Ask your listing agent to walk through the house with you and explain what you can do to make your house as marketable as possible. A good agent should be happy to make suggestions and even help stage your house for maximum selling impact.

Did you know buyers could use a competitive edge as well? Think about it. There are thousands of properties on the market in varying conditions, locations and price ranges. Sorting through all the property information takes a lot of time and can quickly become overwhelming. Getting pre-qualified for a mortgage should be your first step and will help determine what price range you should be looking in. If you’re working with an agent, they should be scouring the market for you, directing you to appropriate potential properties and assisting you when it comes time to place an offer.

For the ultimate competitive edge, leaf through this issue of LifeandHomes for the latest listings, educational articles and information on professionals who can help with your buying or selling needs. Check out our Home Service Network for local businesses that provide services and supplies every homeowner needs. And remember to log on to www.LifeandHomes.com to see even more residential, commercial, investment, land/lot and multi-family listings. LifeandHomes is pleased to give you the competitive edge.

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2 We bring people and homes together.

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

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visit the Great nYstate fair 12 days, dozens of big-name entertainers, hundreds of rides and attractions, thousands of animals and nearly one million people. It’s all at the great NY State Fair, taking place August 26 - Sept 6th, 2010 in Syracuse, NY. visit nysfair.org for all the exciting details and schedules.

The New Retirement: Keep on WorkingBaby Boomers are continuing to work in retirement. Despite the current economic environment, Boomers are working not just to make ends meet, but rather because they find work physically and mentally energizing. Of those who are still working and have yet to retire, nearly 75 percent plan to do work in some capacity after they officially retire. Many have noted they plan to do so to “ward off boredom and keep busy” or for the “self satisfaction and enjoyment.”

With Social Security no longer a primary source of income for many Baby Boomers, there is a growing trend of delaying retirement. Boomers turning 50 this year plan to retire a median of four years later than 50 year-olds in 1996, at age 67 versus 63 years-old. Additionally, among the younger Boomers, 72 percent plan to work in some fashion during their retirement years. For older Boomers age 64—but not officially retired—74 percent plan to work. Interestingly, however, just under 40 percent of the current Boomer retirees surveyed, including Del Webb residents, said they are actually working now.

“Several decades ago, nearly 80 percent of our residents would be fully retired,” said Blake. “These days many of our Del Webb communities have about 50 percent still engaged in the workforce. They’re either working part-time, starting new businesses or starting a new full-time career. They want

to stay connected. It’s an important part of well-being to stay connected and productive.” The full 2010 Del Webb Baby Boomer Survey findings can be found at www.dwboomersurvey.com.

Top 10 States for Retiree Tax Breaks Forbes Magazine reports states are luring seniors over 65 by offering attractive tax breaks. Seven states - Alaska, Florida, Nevada, South Dako-ta, Texas, Washington and Wyoming - don’t tax personal income at all. New Hampshire and Tennessee tax interest and dividends but not other income.

Taking exemptions, sales tax, local economy and prospects for tax hikes into consideration, tax experts have tagged the following states as offering the best deals for residents over the age of 65.

1. Georgia2. Pennsylvania3. Mississippi4. Illinois5. Michigan

‘right to rent’ Bill To Help Millions Remain HomeRight to Rent would increase the bargaining power and security of homeowners by temporarily changing the rules on foreclosure and allowing homeowners to remain in their homes as renters for a substantial period or time. During this time, homeowners would pay the market rent for the home as determined by an independent assessment.“Right to Rent gives the homeowner security in their home. They will be allowed to stay there for a substantial period of time, allowing their children to stay in their schools and families to prepare for and plan their future moves,” says Dean Baker, co-director of the Center for Economic and Policy Research. “Right to Rent also would make foreclosure much less attractive to investors. This gives

investors more incentive to modify loans on their own, without the involvement of the government.” (Cepr.net)

Google’s $120,483,800 Pac-Man Logo How much do you think the logo of a big-time brand like Google is worth? According to one recent estimate, the number might be around $120,483,800!

Known for their unique rotation of homepage logos, Google decided to spice things up this past May with a seriously entertaining playable Pac-Man logo. Exactly how engaging was this interactive logo? Conservative estimates say that the average time spent on the Google homepage went up by a full 36 seconds! That’s some quality logo exposure right there.

When factoring in other numbers like 503 million daily visitors, 33 million daily hours spent searching, and a modest assumed visitor income of $25/hour, people estimate Google’s Pac-Man logo destroyed 4,819,352 hours of productivity and cost about $120,483,800 in distracted employee salary. No wonder we’re in a recession!

Looking for fun and entertaining ways to put your logo in the spotlight? How about some branded desk puzzles? While not quite worth $120 million in exposure, we think it’s a good start.

For those who missed it, Google has made their Pac-Man logo a permanent feature at http://www.google.com/pacman (blog.epromos.com/)

6. Kentucky7. New York8. South Carolina9. Delaware10. Louisiana(Forbes - June 2010)

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newsshortsReinventing the Back-to-School Season It might seem a little early to be thinking about the back-to-school season, but for consumers, there’s no time like the present to plan for the next.

And the 1,718 online consumers who responded to PriceGrabber.com’s Back to School Shopping Forecast survey have unique ideas on how they plan to prepare, giving retailers little time to prepare themselves.

First off, rather than saving and doing a major spree at the end of the summer, consumers plan to begin their back-to-school shopping early, distributing the cost of their purchase over a longer period of time. In fact, 26% of back-to-school shoppers planned to make purchases before July 2010, 31% plan to begin their shopping in July, and 38% plan to start in August.

So what does this mean in terms of money spent?

According to the survey, shoppers are still planning to spend as much as they did last year despite their varied spending strategy, which according to 49% of the respondents is due to the need to spread out the cost. A resounding 64% indicated they would not be saving money for back-to-school shopping at all, while a measly 19% said they started saving before April 2010 and 17% started between April and July 2010.

“We are not surprised to see this new, optimistic trend of consumer frugality extend to back-to-school shopping,” said Laura Conrad, president of PriceGrabber.com. “Further analysis of the data supports the idea that consumers are trying to absorb back-to-school spending in their monthly budgets by starting their shopping early to distribute their purchases.”

All is not lost for retailers, however. Of those consumers who plan on doing back-to-school shopping this year, 45% plan to spend as much as last year, 41% plan to spend less, and 14% plan to spend more -- not that bad, unless you consider the overstock issues many retailers might have if they planned for a typical back-to-school rush at the end of the summer.

“The data is clear that consumers are still focused on spending the same amount or less on back-to-school purchases this year, even with the expected lift in the recession,” said Barbary Brunner, chief marketing officer at PriceGrabber.com. “However, instead of saving a little bit each month for back-to-school shopping and then making their purchases at once, we are seeing consumers engage in layaway-like behavior by purchasing a few items each month.”

The results of this survey are just one indication that it’s no longer enough to measure consumers’ behaviors based on whether or not they think the economy is doing well or failing. It’s also not so much a matter of whether they plan to spend more or less this year than last.

The newest factor in the equation is how they’re spending, and it appears they aren’t quite sure about any of it until the moment hits. Perhaps the real question is whether or not retail can adapt to the change.

(Source: Retail Merchandiser, 06/24/10)

outhouse Popularity On Rise Sandy Mansmann’s restored 1870s farmstead includes many original outbuildings but, there is one building missing: the outhouse. She has been on a difficult journey to find a replacement to move to her farm in PA’s Nottingham Township.

Oddly, outhouses have become a hot, trendy landscaping decoration - maybe because so few of them have survived and people are longing for nostalgia, Mansmann said. They also make great conversation pieces, she added. Retired antiques dealer Lorys Crisafulli said she knows a guy who wants an outhouse so bad he is willing to pay $500 for one. “All of a sudden, everybody wants one,” Crisafulli said.

The buildings are featured annually in outhouse calendars, and replicas come in all sizes and

shapes, from Christmas ornaments to birdhouses.Preservationists who have old farms believe the outbuildings - including barns and summer kitchens - help to tell the story about how the property was originally used, Mansmann said.

“Placement was very important,” she said. The outhouse needed to be erected away from the spring so as not to contaminate the water sup-ply, and downwind from the kitchen, she said. Not everyone remembers them so fondly. “If you had to go in the night, you had to run through the yard or find a stream,” said Bill Miller, 72. “You’d sit there at night with the door open and see the skunks run by.” “I hated using them at night. Sitting out there alone was scary,” added Crisafulli, 84.

(ObserverReporter - Scott Beveridge)

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garLoCK rEaLTY 9 Washington StreetAlexandria Bay, NY 13607

Offi ce: 315-482-6000GarlockRealty.com

Heuvelton $119,900 177 Mitchell Rd Secluded Blake Lake cottage features 2 bedrooms

and full bath and is being sold completely furnished with all decor, dishes, cookware, etc. 145 feet of front-age and new dock.

Ruth Varley Lic. Assoc. R.E. [email protected] • 315-375-7860

39 Mcewen Rd/PrvtJUST RedUCed. Hidden from the highway, this lot

has 199 ft. of St. Lawrence River frontage, deep water and a level site to build your home or cottage on. The sunsets are spectacular any time of the year.


Morristown $189,000

7257 Bull Rock Point Rd affordable private island ownership is a boat ride

away on Lake Bonaparte. Property features 3 bedroom island cottage and two bedroom baothouse. Close to shore with private parking and mainland dock.


Harrisville $190,000 River DrThis lot is part of a larger parcel and is located at

the east end of the site. enjoy views of the river and the ships close to shore. The entire parcel is for sale. These lots are larger than most in the area.


Massena $20,000

Number Six Rd Pickers looking for a storage barn, look no further

than the Town of alexandria. Building is 8,000 SF on 6.6+ acres.


Redwood $44,000 River DrThis lot is part of a larger parcel and is located at the

west end of the site. The entire parcel is for sale. There is St. Lawrence River access via a nearby NYPa access lot. This site is adjacent to the Wilson Hill Wildlife Management area.


Massena $25,000

WWW.LAKEONTARIOREALTY.COM“No one knows the lake country like US!”

Free Market analysis!Call US today, we can show you aNY property listed with aNY company!

Now is a great time to buy! email or Text!

12396 NYS Rte 12e, Chaumont, NY 13622

(315) 778-8042 • [email protected]

April Marvin Lic. R.E. Salesperson

3 Bed/2 Bath Split Level home on 5.14 acre lot with fi nished basement, eat-in kitchen, vinyl siding and attached garage. In-ground pool also!

Watertown $279,900

Un-imaginable dream piece of property here! one of the last larger lakefront parcels, we are offering for sale 57 acres of land with over 900` of waterfront and around 1200` of total shoreline which includes a little peninsula! The potential here is amazing!

Three Mile Bay $500,000

Beautiful wood lot on Lake ontario build your dream cabin or house.100ft of Waterfront with dock great for fi shing boating or swimming it is located in Sackets Harbor on very private road.

Sacketts Harbor $49,900

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Increase Your Home’s valueWith Basement waterproofing Your home and the things in it are probably the largest investment you’re ever going to make, and it only makes good sense to take care of them. One of the ways you can protect your basement and your belongings as well as increase the resale value of your home is by basement waterproofing.

If you have any moisture or seepage down there, you know it’s doing damage to your foundation, your floor, anything you have in the basement, and the healthful environment of the whole house. Doing some waterproofing can make a world of difference in the life of your home.

There’s been an over-abundance of rain this year, and many people are struggling with water problems in their basements. If you’re one of these people, the type of problem you have will dictate the kind of waterproofing you need to do. Many water problems can be addressed by digging a pit in your basement floor and putting in a sump pump. A sump pump is generally used if the basement of a home lies below the flood plain or in areas that are prone to flooding. Instead of allowing the water to run into your basement, a sump pump will pump it away from your home. For a lot of people, a sump pump takes care of water problems permanently.

Some basements have problems with water seeping in through pores in the walls. After all, concrete is a porous material. When this happens, you want to paint the entire wall surface with a waterproofing paint. This paint is formulated to plug the holes in the wall so that water cannot seep through them. The downside to waterproofing paint is that water can still get into your foundation walls from the outside where it can do a lot of damage.

Sometimes water problems are so great that there is no simple solution. If a sump pump and paint

won’t eliminate the problems, then you need to take a more serious approach. For example, you may need to have the floor dug up and an auxilliary pumping system built into it. Another costly-but-effective solution can be to have the ground around your home dug away so that the foundation can be waterproofed from the outside. By adding a tiling system you can drain water away from your foundation.

A home with a soggy basement is nothing but more problems waiting to happen. You can end up with structural damage if a foundation wall

weakens and caves in, your resale value will plummet, and as mold and mildew grow in the damp environment, the health of your family can deteriorate. Doing basement waterproofing to correct the problems right away can save you from a world of hurt later on.

Your basement has so much potential - and you can do it yourself. visit betterbasementideas.com for more tips on basement bar ideas and gunite basement repair and learn how you can do more.

(Source:EZinearticles)

By Christopher W Smith

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71 Anthony Street Prime Development Property

For more details visit www.LifeandHomes.comType in Quick Search #33015Front Porch RealtyDeborah Schaefer • 315-836-3578

LIc. R.E. Broker • [email protected]

Home Loan Solutions • Northern FCU • 315-771-4783

Alexandria Bay $750,000

90 Walton Street 3 bedrooms / 2.5 baths

For more details visit www.LifeandHomes.comType in Quick Search #41543Century 21 Millennium RealtyBetty Bork • 315-404-8242

Licensed Associate Broker • [email protected]



14 Anthony Street 2 bedrooms / 1.0 baths





27738 Dablon Point Road 0.81 acres

For more details visit www.LifeandHomes.comType in Quick Search #41044Bowes RealtyAllen Walker • 315-771-8189

Lic. R.E Salesperson • [email protected]


Cape Vincent $110,000

31385 County Rte #4 4 bedrooms / 2.5 baths

For more details visit www.LifeandHomes.comType in Quick Search #41475Bowes RealtyJames Wiley • 315-778-1360

Agent • [email protected]



2332 Humphrey Road 4 bedrooms / 1.5 baths





208 Brown Blvd 3 bedrooms / 1.5 baths

For more details visit www.LifeandHomes.comType in Quick Search #33946Condino Realty NY, LLCJudy A. Condino, GRI • 315-405-8127

Lic. R. E. Broker • [email protected]


Brownville $179,900

273 E James St 3 bedrooms / 1.5 baths

For more details visit www.LifeandHomes.comType in Quick Search #33793Bowes RealtyAllen Walker • 315-771-8189




18466 Cty Rte 189 Riding Stables

For more details visit www.LifeandHomes.comType in Quick Search #41750Coldwell Banker-Rimada RealtyJune E. O'Brien • 315-788-4444



Adams $267,000

19597 Collins Landing -Waterfront 5 bedrooms / 3 full baths/ 2 half baths

For more details visit www.LifeandHomes.comType in Quick Search #41642Bowes RealtyChuck Burlingame • 315-771-3421




Open Market Listing Service™ lifeandHomes.com

Bowes Realty isthe oldest active Real Estate Agency in the Thousand Islands Area.

James WileyLicensed R.E. Assoc. BrokerBowes Realty

Bowes Realty: 315-686-3315Phone: 315-778-1360 Email: [email protected]

Whether buying or selling I would be glad to assist in your real estate needs. Specializing in residential and seasonal properties. Military Relocation Specialist.

June O'BrienLic. R.E. SalespersonColdwell Banker Rimada Realty

Phone: 315-778-2508 Email: [email protected]

Perhaps the most important quality in a real estate salesperson is their ability to listen to and understand what their clients are looking for. There is no point in taking a client through homes they can’t aff ord, areas that are out of their preferred driv-ing distances, or away from schools they want to be a part of. A salesperson is very much a matchmaker. I will listen to what you are looking for and then make the match to the home of your dreams.misty@mistyfl eur.com

Misty AtwoodLic. R.E. Salesperson Front Porch Realty

Phone: 315-777-6543 Web: www.mistyfleur.com

40 ACRES

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lifeandHomes.com Open Market Listing Service™

352 S Real Street 4 bedrooms / 2.5 baths





28043 Stony Point Road 5 bedrooms / 3.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #41606Thousand Islands Realty, LLCMelanie Curley • 315-778-2458

Lic. R.E Broker/Owner • [email protected]



21378 County Route 47 3 bedrooms / 2.0 baths




Carthage $166,600

34116 NYS Rte 3 4 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #41718RE/MAX Empire RealtyDiana Ramirez • 315-222-4962



Carthage $175,800

3708 Sweeney Road 2 bedrooms / 1.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #41546Barbara Dunn RltyBarbara Dunn • 315-337-1677

Broker/Owner • [email protected]


Constableville $99,900

3706 Sweeney Road / 15 Acres 3 bedrooms / 1.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #41545Barbara Dunn RltyBarbara Dunn • 315-337-1677



Constableville $127,000

861 State Street 3 bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.comType in Quick Search #41351Elliott Realty, Inc.George Briggs • 315-782-8498



Carthage $153,900

29411 County Rt 179 3 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #41656Lake Ontario RealtyAmanda Miller • 315-649-3434

Lic. R.E. Broker • [email protected]


Chaumont $219,900

346 James Street 4 bedrooms / 2.0 baths





436 Centre 3 bedrooms / 1.0 baths





clayton $246,000Ledgewood Lane - 4.09 Acre Lot for SaleExceptional 4.09 acre wooded water front building lot on main channel of the St.Lawrence River,over looking grindstone,Hickory,and Wolfe Islands.117 feet of shore line,suitable for large or small boats.Watch the ships go by,from your own private spot. MLS # S236726

Featured Property

For more information call Allen Walker at 315-771-8189

10 ACRES

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Deborah Schaefer, GRI, CBRLIC. R.E. BROKER/OWNER

42781 NYS Route 12Alexandria Bay, NY 13607

(315) 836-3578 Offi ce(315) 836-3539 Fax(315) 778-9280 Cell

[email protected]

WWW.THOUSANDISLANDHOMES.COM

Thousand Island Area Property

$595,000 • Rock Baie Road • Wellesley IslandLooking for the perfect family compound? The great get-away has much to off er! The main house is year around and has 2 bedrooms and features an open fl oor plan. The kitchen-living area is a great room that has a tongue and groove cedar ceiling with recessed lighting and skylights. There is plenty of room for guests in the 4 bedroom, 1 bath guest house, and a 1 bedroom apartment with a bath over the heated garage. On the large deck overlooking the Lake of the Isles is the “lakehouse,” an enclosed three season space with a gas fi replace and air conditioning. All this on 114’ of water-front on the Lake of the Isles with dockage too!

$98,500 • County Route 1 • Alexandria BayPrivacy for Nature Lovers! Over 350’ of waterfront with a dock on Cranberry Creek with access to the St. Lawrence River. Great spot for fi sherman or kayakers with over six acres! Year around manufactured home in nice condition with plenty of room to build a garage or boat storage building. This is a great property at a great price and includes a billboard on Route 12 that brings $2000/year income.

$750,000 • Anthony Street • Alexandria BayPrime development property! 240’ St. Lawrence River waterfront with 440’ of dockage. Two acre property with a 24 unit seasonal motel with good repeat business located directly across from fabulous Boldt Castle. There are an additional 3 acres with more waterfront available. What a terrifi c spot for condos or townhouses, or even a private estate or several single fam-ily homes. All utilities are there including public sewer and water. Few parcels of this size and location come available on the river. Listing agent is part owner.

Lisa Watson Lic RE SalespersonColdwell Banker Military Markets Specialist(P) 315-286-9682(E) [email protected](W) softmls.com/realtorwatson

Rimada Realty1063 C Arsenal Street

Watertown, NY 13601(P) 315-788-4444(F) 315-788-5235

942 Salina St5 Bedrooms / 1.5 Baths

Watertown $174,900

Welcoming semi-wrap around porch to enjoy the summer months. Beautiful 5 bedroom Victorian home.Fantastic U-shaped kitchen with lots of cabinets and counter space. Large open living room with original gleaming hardwood floors, built-ins and pillars.Go to nnymls.com and Type in MLS#S234584

25083 County Route 1973 Bedrooms / 1.5 Baths

Great Bend $154,900

Wonderful 3 bedroom home close to Ft. drum, shopping, and schools. Large living room and dining room. New paint throughout, new boiler system and security system installed. Welcoming front porch. detached 2 car garage.Go to nnymls.com and Type in MLS#S238183

919 Academy St4 Bedrooms / 2 Baths

Watertown $169,000

enter through the enclosed porch to a large 4 bed-room, possibly 5 bedroom home. Lots of updates to include a remodeled kitchen and bathroom. Kitchen features all new cabinets, countertops, appliances, and flooring. Mudroom at the back.Go to nnymls.com and Type in MLS#S232230

23958 NYS Route 3423 Bedrooms / 1 Bath

Watertown $119,900

Great 3 Bedroom Ranch Home! Updated kitchen offers lots of room for an eat in kitchen and lots of cabinet and counter space. Newer appliances are included. Kitchen leads into a great size dining room with original hard wood floors.Go to nnymls.com and Type in MLS#S237872

30139 Burnash Ave3 Bedrooms / 1 Bath

Felts Mills $119,900

Great ranch knocking on Ft. drum`s back door. Talk about convenience. Possible 3 bedrooms - finished basement area was used as a third bedroom, but feel free to use it as a kids playroom as well.Go to nnymls.com and Type in MLS#S229758

5.63 ACRES

CLoSE to Ft. D

RUm

28549 Elm St4 Bedrooms / 2 Baths

Redwood $179,000

**1 Year Free Home Warranty Included** Great 4 bedroom 2 full bath home approximately 20 min. to Ft. drum Beautiful kitchen was skillfully created by lo-cal amish. Lots of cabinets and counter space. Newer appliances included as well.Go to nnymls.com and Type in MLS#S238760

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Alexandria Bay

For more information go to www.nnymls.com and type in MLS # S226560

Charles Burlingame Lic. R. E. Salesperson

Cell: 315-771-3421Office: 315-686-3315

Price reduced! Fantastically built, one owner mainland year-round home on shipping channel. Protected deep water dockage with nice swimming area. Both the dock and wraparound deck on the home are redwood & cedar. Custom kitchen cabinets & Corian counter-tops. Built in oven and triple stainless steel sink. Large great room, sliders to deck and river views. All large bedrooms with lighted closets & tons of storage space. Marble windowsills, ceiling fans in each room. Walkout basement has area where you can store small boat, jet ski and fish cleaning sink. 4 zone heat with electric backup in each room. Great natural light and views of the river in each room.

Featured Home19597 Collins Landing $474,900

RIMADA REALTYBoWES

rEaLTY, LLC

Historic 6 Bedroom VictorianThree Mile BayHistoric and tastefully renovated 6 bed/3Bth home in the heart of lake country! over 3400SF of living space, many original features, cupola, landscaped gardens, fenced yard, pub water and a carriage house! a must see!Call Gail Miller, Lic. R.e Salesperson 315-767-3084 $245,000 MLS #S237690

$245,000

5 acre Country Building LotsClaytonVery affordable nearly level 5+ acre lots on Hart Road in Clayton. Mostly cleared & ready for your dream home! Call today! Fabulous price! Some restrictions, please call for details.Call amanda Lic. R. e. Broker @ 315-778-1191 MLS#S224594

$11,500

Country RanchLa Fargeville/Clayton area3 bed/1.5 bath home on 1.85 acres. open fl oor plan w/galley kitchen, hardwood fl oors, lg patio, storage shed, beautifully landscaped w/fl ower gardens. Many updates include new roof, bathroom, pergo fl oors & much more!Call amanda Lic. R. e. Broker @ 315-778-1191 MLS #S232875

$129,900

Charming Montonna Shores Cottage!Three Mile Bay2Bed/2bath cozy cottage recently updated w/hickory cabi-nets, knotty pine, new carpet, siding,roof, decks,shed and more! Limestone seawall, gorgeous area and rare 80X280 lot w/ no road between! Call amanda Lic. R. e. Broker @ 315-778-1191 MLS# S238269

$169,000

Charming VictorianSackets Harbor - Charming Victorian village home just a few blocks from downtown Sackets! 1700 SF 3bed/1bath home that has been tastefully renovated, boasting original hardwood floors, gorgeous bath w/spa tub, custom tile spacious country kitchen w/walk-in pantry, lg. mud/laundry rm, heated 2 story garage. Call amanda Lic. R. e. Broker @ 315-778-1191 MLS#S230191

$189,000

Amanda J. MillerLicensed R.E. Broker

315.778.1191

“The Name You Know & Trust in Real estate”

“No one knows the lake country like US!”Free Market Analysis!

(P) 315-649-3434 (F) 315-649-343612396 NYS Rte. 12E, Chaumont, NY 13622 • WWW.LAKEONTARIOREALTY.COM

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$169,900 • Mls #s238353522,d-1 weldon drive, watertown

Two bedroom, two bath townhome, Living room has gas Fireplace and lots of windows and skylight. First fl oor also consists of dining area, additional room. Full bath and laundry room are also on fi rst fl oor.Second fl oor has master suite with full bath and nice size closet, 2nd bedroom and large loft area. Also unique storage area that can be accessed from garage. Two stall attached garage has many built ins. Also central air. Listed below tax assessment. Call Don Rickett, Lic. R.E. Agent - 775-6622.

$169,900 • Mls #s223108208 Brown Blvd, Brownville

WOW! If you saw it before, take another look! This large 3 bedroom home located next to the Historical Brown Mansion is now completed. Downstairs, it has new fl ooring in the entryway, refi nished hardwood fl oors and new carpet in the hall and dining room. Also has new closet and wonderful kitchen pantry. All windows have new casings and molding. If you need more than 3 bedrooms, the basement has the potential for 2 or 3 more.Call Judy Condino, Lic. R.E. Broker 408-5968.

$24,900 • Mls #s237448county route 59, dexter

Looking for a beautiful building site for your new home? This could be the perfect spot. Only 15 minutes from Watertown and Fort Drum. Lot consists of 6.2 acres with public water. Electric lines are at the road. If you love wildlife and beautiful sunsets, this is the place for you. All it needs is YOU!!!!

Call Judy Condino, Lic. R.E. Broker 408-5968.

$9,900 • Mls #s23848928/29 starbuck Avenue, watertown

Nice,fl at building lot located in the city of Watertown across from the New York Air Brake.• 104’ x 118’• Listed Below Assessment

Call Judy Condino, Lic. R.E. Broker 408-5968.

$179,900judy A. condino, GriLicensed Real Estate Broker 1035 B Coffeen Street Watertown, NY 13601 www.condinorealty.comCell: 315-408-5968 [email protected]

(315) 405-8127

watertown

For more information go to www.nnymls.com and type in MLS # S229926

sandra d. delong Licensed R.E. Salesperson

1063-C Arsenal StreetWatertown, NY 136013313

Cell: 315-783-2007Office: 315-788-4444

Email: [email protected]

Seller Will Pay Buyer’s Closing Costs!!! Completely

Renovated From Top to Bottom, New Roof, New Windows,

New Plumbing, New Electrical, New Carpet, New vinyl

Flooring, New Kitchen with All Stainless Steel Appliances,

New Bathrooms, New Light Fixtures Throughout, New Blinds.

Home Warranty Included & Home Inspection Has Been Done

& is on Counter. Includes Lot Next Door 50x181. Don’t Miss

Out! Make Your Appointment Today!

130 Highland Ave $139,500

RIMADA REALTY

Featured Home

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15276 NYS Rt 12E 5 bedrooms / 2.0 baths




Dexter $189,000

120 Beckwith 3 bedrooms / 1.0 baths




Gouverneur $74,500

47 Sparrowhawk 2 bedrooms / 1.5 baths

For more details visit www.LifeandHomes.comType in Quick Search #41643Century 21 Millennium RealtyCarol Adler • 315-778-4457



Lisbon $279,000

461 A River Road East 4 bedrooms / 1.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #41644Century 21 Millennium RealtyCarol Adler • 315-778-4457



Morristown $174,000

Greene County Gentlemans Farm 4 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #41532Posson RealtyDavid Posson • 607-316-3758



Catskill $350,000

Chenango County Dairy Farm 4 bedrooms / 2.0 baths




Norwich $350,000

NYS Rt 12E Lakefront w/ 57 acres

For more details visit www.LifeandHomes.comType in Quick Search #41564Lake Ontario RealtyApril Marvin • 315-778-8042

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


Lyme $500,000

26 Dockside Drive - Waterfront Condo 2 bedrooms / 1.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #41397Coldwell Prime PropertiesDebra Roberts • 315-796-2830

Lic RE Associate Broker • [email protected]


Morristown $195,000

18700 Evans Road 5 bedrooms / 2.5 baths




Dexter $298,300

181 Grove Street 3 bedrooms / 1.0 baths




Gouverneur $86,700

Open Market Listing Service™ lifeandHomes.com

jenn's Property ManagementYear Round Management ServicesI Can Handle it All, From Move In to Move OutCredit Checks, Tenant Issues, Emergencies 24 Hour Maintenance Available10 Years ExperienceDependable

Contact Jenn315-649-2709 • [email protected]

Attention Homeowners

10 ACRES

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25030 Co. Rte. 53 3 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #41518Lake Ontario RealtyApril Marvin • 315-778-8042

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


Pamelia $279,000

316 Dodge Avenue 3 bedrooms / 1.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #41749Century 21 Millennium RealtyKathy Cook • 315-629-5770

Lic. R.E Agent • [email protected]


Sackets Harbor $188,000

112 East Washington St. 3 bedrooms / 1.0 baths




Sackets Harbor $189,000

31529 Boat Launch Road Waterfront Lot

For more details visit www.LifeandHomes.comType in Quick Search #41383Front Porch RealtyKatharine Dickson • 315-783-2104

Licensed R.E. Agent • [email protected]


Theresa $49,000

642 & 644 Bronson St 7 bedrooms / 3.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #33784Front Porch RealtyKatharine Dickson • 315-783-2104

Licensed R.E. Agent • [email protected]


Watertown $125,000

13115 County Rt 156 3 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #41769Coldwell Banker-Rimada RealtyLisa Watson • 315-286-9682



Watertown $208,999

Custom Built HomesPost & Beam

For more details visit www.LifeandHomes.comType in Quick Search #33356Custom Home Masterpieces, Inc.Al Roy • 315-458-4256

0 • [email protected]


Syracuse

28863 Crystal Lake Rd 21 Acres

For more details visit www.LifeandHomes.comType in Quick Search #41460Thousand Islands Realty, LLCMelanie Curley • 315-778-2458

Lic. R.E Broker/Owner • [email protected]


Theresa $825,000

Chenango Cty Equine Facility 4 bedrooms / 2.0 baths




Norwich $450,000

30139 Burnash Ave 3 bedrooms / 1.0 baths




Rutland $119,900

We would like to thank everyone for a wonderful year in Real Estate!

If you are thinking of listing your home or want to buy please feel free to call us at 315-493-2134, we are full time Realtors

and available 7 days a week.

Welcome home the 3rd BCT from Afghanistan and the Apache Unit to Fort Drum

ROME RSA REALTY LLC315 493 2134

located at 11006 State Rte 26, Carthage, NY

Lisa WatsonLicensed Real Estate SalespersonRimada Realty

Phone: 315-286-9682 Email: [email protected]

Rimada Realty1063 C Arsenal StreetWatertown, NY 13601(P) 315-788-4444(F) 315-788-5235

HardWood fLooring • STair parTS • moLding

266 manwaring road, pulaski, nY 13142 • 315-298-6407

We StockKiLn driEd

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

Visit our website anytimewww.lakeshorehardwoods.com

InComE PRoPERty

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Betty BorkAssociate Broker

404-8242 [email protected]

For more information on any of these homes, visit

www.c21nny.com and type in the MLS#

www.c21nny • 1256 Arsenal Street Watertown, NY 13601

MILLENNIUM REALTY

A name that everyone has come to trust!

Gouverneur $86,700Newly remodeled home for sale. Wonderful layout. 3 bedrooms, 1 full bath, full basement with work area, storage sheds in backyard. Nice sized yard. Call for your appointment today!

MLS#S232963

Gouverneur $74,500Beautiful Cape Cod that has many features. The kitchen has many cupboards and is eat-in. Very nice dining room, larger living room. Master bedroom on main floor. Two bedrooms upstairs. Bathroom downstairs. Partial cellar is under garage. Very large back yard.

MLS#S229213

Alexandria Bay $89,000Wow! Motivated seller, just reduced price! Now being sold way under assessed value. Wonderful village home for sale being sold as is. 3 Bedrooms, library, living room,laundry room, 2.5 baths, lots of closet space, 2 stall garage with extra rooms above.

MLS#S233392

Watertown $120,500This is a wonderful investment opportunity. Being sold as is. Live in one and rent the other 2 and let them pay the mortgage. Nice sized yard. Call for your appointment today!

MLS#S235643

Carthage $149,000Wow! What a wonderful home on Black River. You have 455` of waterfront. This home features 3 bedrooms, an extra room that could be a nursery or an offi ce. Laundry room on main fl oor. For the very hot days, an above ground pool.

MLS#238399

Watertown $93,000Very nice 2 Unit for sale with large yard. Being sold as is. Has a horse barn in back for lots of storage. This is a nice income property, live in one and let the other pay your mortgage. Call for your appointment today!

MLS#S235520

Watertown $36,500MLS S234153

Three Mile Bay $18,000MLS S238356

garLoCK rEaLTY 9 Washington StreetAlexandria Bay, NY 13607

Offi ce: 315-482-6000GarlockRealty.com

44383 Reynolds Rd. Neat clean well built ranch style home, freshly

painted, new carpet throughout with efficient monitor heat. Close to alex Bay and convenient to I81 & Ft. drum. Located on a level lot in a quiet neighborhood.

Jennifer Hebert Lic RE Associate [email protected] • 315-396-2065

Alexandria Bay $119,000 44780 Co. Rt. 100ASit on your deck & watch the ships go by and the 1000

Islands Bridge light up at night. This prime riverfront loca-tion features 3 BR/1 Ba cottage, 214 ̀of WF, 1.8 acres w/mature trees & much privacy, deep water dockage and much more. Property is large enough to be subdivided.

Cathy Garlock Lic RE [email protected] • 315-486-4944

Wellesley Island $525,000

55 High St Nicely remodeled home in village of alex Bay. 3

BR home w/mother-in-law apartment. open kitchen/living area w/fireplace, glassed porch, roomy second floor. Metered attached apartment currently rented for $400 a month. Property includes 2 storage buildings.Jennifer Hebert Lic RE Associate Broker

[email protected] • 315-396-2065


560 Indian Point RoadGorgeous 3 BR/2 Ba river home nestled on 6.2 acre

private parcel w/mature trees and 2,320 ft. of waterfront. open floor plan, custom kitchen, granite countertops, hardwood floors, gas fireplace, wraparound decks & screened-in porch. Bunkhouse for guests. Covered boat slip.


Hammond $735,000

18576 East View Dr. Well maintained year-round river home in the

1000 Islands. This property features open floor plan, cathedral ceiling, stone fireplace, hardwood floors and the most wonderful 3-season room.



107 Church St Prime corner commercial building lot right in the

heart of alex Bay. Great visibility from main artery at Rt. 12 caution light leading to the village. Public utilities available.

Jennifer Hebert Lic RE Associate [email protected] • 315-396-2065


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942 Salina Street 5 bedrooms / 1.5 baths




Watertown $149,900

724 Gilbert 3 bedrooms / 1.0 baths




Watertown $150,000

620 Lillian Street 4 bedrooms / 3.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #41754Rome RSA Realty L.L.C.Nancy Rome • 315-493-2134

Lic. R.E. Broker/Owner • [email protected]


Watertown $139,900

18723 Rock Baie Road 8 bedrooms





23711 Staie Rd 1 bedrooms / 1.0 baths




Wilna $69,000

10014 NYS RTE 12 4 bedrooms/2 baths

For more details visit www.LifeandHomes.comType in Quick Search #41541Rome R.S.A. Realty L.L.C.Nancy Rome • 315-493-2134



Copenhagen $149,900

170 Bowers Ave. w4 bedrooms / 1.5 baths




Watertown $84,900

41 Champion 4 bedrooms / 2.0 baths




West Carthage $149,800

919 Academy Street 4 bedrooms / 2.0 baths




Watertown $169,000

16300 Us Rte 11 5 bedrooms / 2.0 baths




Watertown $249,900

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

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

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

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

Q General ContractingQ CarpentryQ PlumbingQ MasonryQ RoofingQ Electrical work

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

log or stick built."

STarT LiVing YoUr drEam TodaY!

Barbara Dunn Realty

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

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In our volatile financial world, it seems like there are no safe havens. The stock market continues to fluctuate. Plummeting real estate values in certain markets have yet to recover. Add to this, the difficulty with getting loans in a credit-strapped lending environment. So, where’s the worried consumer to go for financial stability? Consider permanent, cash value whole life insurance.

flexibility and GuaranteesIf you know anything about life insurance, it’s probably the fact that it pays a guaranteed death benefit to your heirs that is generally free of federal income taxes.1 And, that’s an incredibly important function and most likely why you are considering life insurance. But cash value whole life insurance also offers substantial benefits available to you while you’re living.

One living benefit of whole life is the easy access it provides to your cash value, generally federal income-tax-free, through policy loans. Need money to pay for an emergency home repair, reduce a credit card debt or cover a shortfall in college tuition? If you want to borrow, you can. Unlike a conventional bank loan, there’s no lengthy approval process, and you can’t be turned down. There are also no credit checks or penalties for repaying money too quickly. In fact, there’s no payment schedule on the loan at all.2 The longer you own a whole life insurance policy, the more cash value it will accumulate. As long as you pay your premiums — which are guaranteed never to increase — you’ll have permanent protection and your cash value will grow on a tax-deferred basis. In addition, your policy is eligible for non-guaranteed, income-tax-free dividends which can help grow your cash value more quickly.

Upgrading term to Permanent cash Value life If you have term life insurance, which only pays a death benefit for a fixed period of time, it is easy to convert your policy to cash value whole life. Your New York Life insurance agent can show you how. Then you, too, can take advantage of the many benefits and stability that whole life insurance can bring to you and your loved ones.

This educational third-party article is being provided as a courtesy by Gary Sunada, Financial Services Professional, New York Life Insurance Company. For additional information on the information or topic(s) discussed, please contact him at 315.738.2612

1All guarantees are based on the claims paying ability of the issuer.2If you do not repay a loan, the cash value and death benefit of your policy will be reduced. Loans can cause a policy to lapse and may have tax consequences.

what to do with rollover fundsAt some point, many people with retirement or employer-sponsored investment accounts will find themselves faced with the decision of what to do with rollover funds.

Read MoRe (Read Complete Article at: www.LifeandHomes.com/nny. Click on Financial Planning tab at

top of page.

don't rely soley on 'Uncle sam's' Help during retirementYou can't watch television or read a newspaper without being reminded of the uncertain times we're in.

Read MoRe (Read Complete Article at: www.LifeandHomes.com/nny. Click on Financial Planning tab at

top of page.

FinancialPlanning

“Bank” on Whole Life for Your Financial Needs – Right NowGary Sunada

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Northern NY’s largest independent appliance

dealer. Guaranteed low prices on top name

kitchen and laundry appliances. Package

pricing. Open 7 days a week.

315-782-0333 Member Since 03/06

AppliancesWATERTOWN APPLIANCE

Serving Jefferson, Lewis and St Lawrence

counties. FHA approved. Over 35 years expe-

rience. Call today.

315-782-4030 Member Since 04/08

AppraisalDAS APPRAISAL SERVICE

Serving Jefferson, Lewis and St Lawrence

counties, Banks, Attorneys Divorces, Property

Tax Grievance, FHA Approved.

315-482-9358Member Since 04/08

THOUSAND ISLANDS APPRAISALS

Quality Appraisals at a fair price! Call today

for a fast and friendly service.

315-482-9076Member Since 08/08

APPRAISAL USA

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

Carpentry, plumbing, electrical, decks, garages,

boat houses, remodel cottage openings closings.

24/7 on call service.

315-686-3083Member Since 04/08

ContractingBACH & CO

Serving NNY. For more information visit www.

battlefi eldhome.com or www.sacketsmeadows.

com

315-646-2220 Member Since 09/08

Custom Home BuilderBATTLEFIELD COMMONS/ SACKETS MEADOWS

Residential, commercial, and industrial. Free

estimates, new installations and upgrades.

Generator systems, licensed and insured,

emergency service. Authorized guardian

generator sales and service.

315-788-0324 Member Since 04/08

Electrical ContractorsCA ELECTRIC

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

Excavation, site work, septic systems, complete

manufactured home set-up, shorewells, docks,

sand and gravel delivery.

315-686-3083 Member Since 04/08

ExcavatingBACH & CO

Serving NNY. We service and repair all brands-

Gas, oil, propane, boilers, water heaters, fi replaces,

central air conditioners.

315-782-8067 Member Since 03/07

Heating & Central AirCOMBS HEATING & AIR CONDITIONING

Buy with confi dence! Call or email Tim today for

your home inspection needs.

[email protected]

315-783-0207Member Since 08/08

Home InspectionLAKE ONTARIO HOME INSPECTION

Serving the Tri-County area. Complete home

inspections • radon testing • water testing • lead

testing.

315-783-2432Member Since 08/08

CLAYTON HOME INSPECTION

Station: WWTI-ABC 50

Website: www.myabc.50.com

315-785-8850Member Since 09/09

TV StationWWTI NEWS WATCH 50

Specializing in home, auto, business, life, boats,

cycles, RV, and snowmobiles.

315-387-5321Member Since 04/08

InsuranceASSOCIATED INSURANCE

Meeting all of your insurance needs. Call today

for information and questions.

315-779-1990Member Since 08/08

ALL STATE

From small residential touchups to full scale

commercial makeovers, call today or visit us on

the web at www.designwithgoodtaste.com

315-654-2007Member Since 08/08

Interior DesignTASTE OF DESIGN

Serving NNY. Specializing in modular homes,

manufactured homes, land/home financing pack-

ages, transportation of individual homes, awning

sales and much more.

315-788-1243Member Since 04/08

Manufactured HomesWALKER’S MANUFACTURED HOUSING

Serving the home lending needs in Jefferson,

Lewis, & southern St. Lawrence counties. An Equal

Housing Lender NCUA

315-771-4783Member Since 09/09

MortgagesNORTHERN FEDERAL CREDIT UNION

All of Central & Northern NY. Prevent bats from

returning. Guaranteed DEC Licensed & Insured.

24 Hour Emergency service

www.acewildlifesolutions.com

315-391-5682Member Since 06/08

Pest ControlACE WILDLIFE SOLUTIONS

The Missing Pieces to a Hassle-Free Home

Home service network Exclusive Members That Have Shown Exceptional Customer Service

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James Wiley

Lic. R.E. Assoc. [email protected]

(P) 315-778-1360

Bowes Realty LLC40219 NYS RT 12Clayton NY 13624P: 315-686-3315www.BowesRealty.com

BoWESrEaLTY, LLC

346 James Street4 Bedrooms / 2 Baths


This home was originally know as “Twin Gables” being built in 1860 and has been extremely well maintained. The original woodwork has been kept in tact with its pocket doors and gable style windows. The kitchen is large with plenty of cubboard space and work area.

32322 State Route 12E2 Bedrooms / 1 Bath


River breezes with a great channel view. The large living room/family room extends across the front of the residence. (24x18) The property has a paved driveway to the garage and a large rear deck (14x14) and an additional (15x22).

2332 Humphrey Road4 Bedrooms / 1.5 Baths


This property is located on the Lakeside of Mud Bay. The residence consists of an 1860 well maintained farm style home with a 30 X 35 boat house on its 709’ of waterfront. See: jameslwiley-waterfrontproperty.webs.com

352 S Real Street4 Bedrooms / 2.5 Baths


2300 sq. ft. village home. 4 or 5 bedrooms, 2.5 baths. Wood heat or oil fired boiler baseboard heat. Large kitchen, dining room and living room. attached two stall garage w workshop.

31385 County Rte #44 Bedrooms / 2.5 Baths


Victorian style home in excellent condition. Built in 1898 and recently updated. Hardwood floors, original woodwork. Two car detached garage. New kitchen, windows, roof and septic. Municipal water.

221 Esselstyne Street3 Bedrooms / 3 Baths


Unique village home with living area on the 1st floor but rooms in the 10 ̀deep basement are unfinished. This residence is an 8 sided home with an straight-a-way entrance into a large living room surrounded by a dining room, kitchen, 3 bedrooms and 3 baths. See: capevincenthome.com

1074 East Broadway2 Bedrooms / 1 Bath


1984 14x70 mobil home w attached porch. Guest cottage and entertainment building. Two village parcels on corner lot. Unlimited views of the Saint Lawrence.

28341 Stony Point Road3 Bedrooms / 1 Bath


Grand old stone home that needs a complete renovation. 76 acres total, 10 + acre wood lot, RoW to Bay. Two large open fields, and 1100’ road front. Fisherman and hunters paradise.

6921 Failing Shores2 Bedrooms / 1 Bath

Point Peninsula $119,000

Two bedroom cottage at the end of a seasonal road with small harbor on Chaumont Bay, some work has been done with more fishing work to be completed. open beam ceiling, ceiling fans, laminated floors, new windows. Water taken from Lake and also from well.

2672 Ponds Shores2 Bedrooms / 1 Baths


Very neat, well maintained 14 X 60 mobile home in an area of well kept seasonal homes. Cement waterfront patio/deck and boat launch ramp. Pond Shores is across from Fox and Grenadier Islands. It is on a seasonal road and has a detached garage.

6383 Failing Shores2 Bedrooms / 1 Bath

Point Peninsula $229,500

Very nice two bedroom residence with plenty of wa-terfront on Chaumont Bay. The property is at the end of Failing Shores Lane. Very private area with 255’ of waterfront, a cement boat launch and a 100’ seasonal dock and a 8x12 front deck.

CO. Rt. 57Lot Size 200 x 220

Lyme $15,000

Nice private location for your residence. Two miles from Long Point State Park and Boat Launch. Near Point Peninsula Village with its marina. area is good for hunting and fishing.

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Documents

Life and Homes Northern New York