Oct 14, 2014 Issue 104

WHAT’S INSIDE:RentaLS | PAGE 8

HoMeS foR SaLe | PAGE 9Hamilton, Stoney Creek,ancaster, Dundas & Glanbrook

LUXURY & WateRfRont | PAGE 3

HoMeS foR SaLe | PAGE 5Grimsby, Lincoln, West Lincoln & niagara

HOME EVALUATION NO COST • NO OBLIGATION905-575-7700 • 905-945-0188

10 Ways to Avoid Buyingthe Wrong HousePAGE 6

Rob GolfiSales Representative

October 14, 2014 - Vol 69b

Purchasing a home is most likely themost expensive purchase you’ll evermake in your life.

And while we’re seeing some recordbreaking low mortgage rates, it’s alwaysin a homeowner’s best interest to paydown their mortgage as fast as possible.

Meridian, Ontario’s largest creditunion, provides the following tips to helphomeowners save thousands of dollars ininterest and take years off their mortgage:

1. Accelerate Your MortgagePayments- When setting up yourmortgage consider an acceleratedweekly or bi-weekly payment sched-ule. Over the course of a 25-yearmortgage those accelerated paymentswill take years off the mortgage andsave you thousands of dollars ininterest.

2. Make a Lump Sum - Most financialinstitutions allow homeowners to

make lump sum payments that aredirectly applied to the outstandingmortgage principle. Meridian’s 20/20repayment program allows home-owners to pay down up to 20% of theoriginal principal balance per yearwithout penalty and can be done atany time in the year without notice.

3. Never lower your payment – Whenit comes time to renew your mort-gage at a renewed rate, don’t lower

your payments. This will help paydown your mortgage sooner especial-ly if you have secured a lower mort-gage rate. In fact, annually increasingyour payments by just $5 can take afull year off your mortgage in theearly years of a 25 year term mort-gage.

To learn more about mortgages visitwww.meridiancu.ca.

Tips for Paying Down your Mortgage Faster

www.GolfiTeam.com

about Rob Golfi

Rob’s career in real estatebegan in october 1997and putting the needs of

his clients first has always beena primary principle. Rob joinedRe/MaX escarpment January1st 1999. as his career grewand with changing times in themarketplace, Rob realized thatthe team concept was the nextstep in order to maintain thesame level of service that hisclients had come to expect.

Hence, “the Golfi team” was formed, comprised of aselect group of individuals who work well together andshare Rob’s team philosophy. In 2003, the teamreceived the prestigious honour of being in the top 100Real estate teams for Re/MaX Canada*. and this sta-tus continues to date*. Rob has received every majoraward available at Re/MaX including the DiamondClub (2010-2012)*, 100% Club (1999-2001)*, PlatinumClub (2002)*, Chairmans Club (2003-2009)*, Hall offame (Inducted in 2003)*, and the Lifetimeachievement award (Inducted in 2006)*, Circle ofLegends (2013).*

Rob’s experience and aggressive negotiating skills arekey in this business. any agent can list your house, butRob’s knowledge and ability to negotiate constructive-ly gives his clients peace of mind in dealing with the sin-gle most important investment in their lives.

Rob has an extensive marketing background thatcompliments his real estate career. He has achieved animpressive visual identity in the market place. Rob alsoprides himself on his ability to stay current with in theindustry and to remain competitive in the marketplace.His hard work and dedication has awarded him thehonour of consistently ranked in the top 5 of nearly2500 sales agents in the Hamilton-Burlington andniagara area since (2003).** Currently (2013)* Rob isranked number 1 in transactions sales ends in theHamilton-Burlington and niagara area.

“Each client is always treated with First Class Service.”

*Based on RE/MAX Ontario Atlantic Canada annual commission criteria

**Based on The Real Estate Association of Hamilton-Burlington total transac-

tions January 1, 2003 – March 31, 2013.

Page 2 The GoLfi TeAM Real Estate Market Watch October 14, 2014

visitwww.Golfiteam.comCheck out our Blog for the latest

information in Real estate

Seniors Real Estate Specialist

is a designation for REALTORS® to address the

needs of home buyers and sellers, age 50-plus.

where the future takes shape

Rob GolfiSales Representative

905-575-7700

If you are buying or selling a home,

contact Rob Golfi today.

We SELL more...

because we DO more!

ROB GOLFISaleS RepReSentative

www.GolfiTeam.com | 905.575.7700 | 1.800.288.9184

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October 14, 2014 The GoLfi TeAM Real Estate Market Watch Page 3

Luxury Homes & Waterfront Properties

GRImsBY $955,000143 Lake Street

FABUlOUs FInD – exclusive listing to the Golfi Team.Beautiful Waterfront lot sitting on 140 x 183 ft. lot onprivate cul-de-sac, build your dream home on the shores oflake Ontario, services include sewers, water and gas to lotline.

$3,814per/mthP&I/O.A.C.

WATERFRONT

sTONeYCReek $1,769,9009 Lochside Drive

One ACre WATerFrOnT esTATe – features luxury4400 sq.ft. custom built bungalow with a private rare beachfrontage and riparian rights, finished top to bottom with in-law suite, 9’ ceilings, 3 tier patio off sun-room, loft to rooftop patio, main floor den, and floor to ceiling windows.shows like a dream!


WATERFRONT

sTONeYCReek $737,00037 Edgewater Drive

FAnTAsTIC lAke VIeW This beautiful Waterfront 4+1bedroom home makes you feel like you are away fromhome! Main floor offers open concept with sliding doors tothe patio. Have your morning coffee on the patio and sitback and enjoy the sound of the water! 2 master bedroomswith ensuites.


WATERFRONT

FORTeRIe $849,9001645 Niagara Parkway

CUsTOM BUIlT HOMe facing the niagara river, fourlarge bedrooms, plus finished attic with roughed in bath fora fifth bedroom. solid oak doors and trim throughout.Unspoiled basement with walkout. new C/A, Furnace ‘01.roof ‘05. Does not disappoint!


WATERFRONT

FORTeRIe $799,9003723 Niagara River Parkway

BreATHTAkInG VIeWs on 2 acres! 4+1 bdrm homefeatures Oak hardwds, main flr master suite, irrigationsprinkler system, aerobic septic bed, backup gas generator,furnace 6yrs, new, roof 3yrs, gardeners greenhouse & anicely landscaped yard! Docking rights available!


WATERFRONT

Docking Rights Available!

GRImsBY $899,9001 11th Street

BIGGer THAn IT lOOks! 2200 sq ft completely rebuiltWaterfront retreat w/180-degree views of lake feat. 3bedrms & 2 baths in a . large master suite w/ensuite, twomain floor bedrms, 3pc powder rm, two-level living area,spacious dining rm, & over sized chefs gourmet kitch. Turnthe key & leave w/this zero maintenance freehold property!


WATERFRONT

www.getreadyforyachetti.com

sTONeYCReek $774,900 63 Edgewater Drive

sTUnnInG VIeW OF THe lAke! This beautifulWaterfront 4+1 bedroom home makes you feel like you areaway from home! Main floor offers open concept withsliding doors to the patio. Have your morning coffee on thepatio and sit back and enjoy the sound of the water! 2 masterbedrooms with ensuites.


WATERFRONT

GRImsBY $1,074,900191 Kemp Road East

3552 sQ. FT. BUnGAlOW on 25.5 acre property. 3+1bedroom home features hardwood & ceramics, crownmoulding, coffered ceiling, solid cherry custom kitchen,granite, marble, 3 car garage w/entrance to mudroom, mainfloor laundry.


25.5 AcREs

GRImsBY $959,900342 Kemp Road West

CUsTOM BUIlT home on 37 acres. Features nanny'squarters or 2 bedroom in-law suite, 2 fireplaces, gourmetkitchen, ceramics, vaulted ceilings, in-ground pool, 3 cargar. Barn w/13 stalls, 4 paddocks & a 60x140 arena. Minutesfrom town!


37 AcREs

hAmILTONeAsT $949,9001089 Beach Boulevard

TrenDY BeACH BlVD – spectacular & luxurious bestdescribes this awesome beauty! executive free holdtownhome on waterfront trail with top quality finishesthrough-out, quartz, marble, porcelain, crown moulding, andoversized terraces, steps away to downtown Burlington &quick access to QeW


WATERFRONT

CARLIsLe $899,90013 Elderberry Lane

Gorgeous backyard w/12x12 cabana w/hydro, custom pool,fenced yard, stamped concrete and private treed setting.Professionally finished basement w/solid oak wet bar,oversized 3 car garage, roof, furn & A/C 2009, CV 2011,Pool Pump 2014.


BURLINGTON $1,799,9996195 Milburough Line

ClAssIC GeOrGIAn COlOnIAl MAnOr withpicturesque tree-lined private driveway. Featuring gleaminghardwood, entertainers kitchen, stunning great room with 14ft ceiling, and custom millwork and trim thru-out. Upstairsyou will find 4 spacious bedrms all featuring their ownensuite, as well as bedroom level laundry.


VOTE LuANA YACHETTIVisit Luana’s website to learn more about Luana’s vision for a better

Ward 10and a

Greater Hamilton!JOHN HICKSONFOR ALDERMAN G R I M S B Y W A R D 4

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Bungalows & Raised Ranches Two Storeys • Semis & Town Homes

How to Sella Home ThatDidn’t SellHAMIlTOn/nIAGArA – If your home has justcome off the market and hasn’t sold, don’t be dis-couraged. The reason your home did not sell mayhave nothing to do with your home or the market.In reality, your home may have been one of themost desirable properties for sale.So Why Didn’t Your Home Sell?

last year almost half of the homes listed for salenever sold at all, and many sellers found that therewas a tremendous amount a homeowner needed tobe educated on to sell their home for top dollar inthe shortest time period.

Don’t risk making the wrong choices and losingboth time and money on your investment. Beforeyou hire a realtor, know the right questions to askto save you time and money.

Industry experts have prepared a free specialreport called “How to Sell a House that Didn’t Sell”which educates you on the issues involved.

Please visit www.CouldntSell.com

HAMIlTOn - According toindustry experts, there areover 33 physical problemsthat will come under scrutinyduring a home inspectionwhen your home is for sale.A new report has been pre-pared which identifies theeleven most common ofthese problems, and whatyou should know about thembefore you list your home forsale.

Whether you own an oldhome or a brand new one,there are a number of thingsthat can fall short of require-ments during a home inspec-tion. If not dealt with, any ofthese 11 items could cost youdearly in terms of repair.That’s why it’s critical thatyou read this report beforeyou list your home. If youwait until the building inspec-tor flags these issues for you,

you will almost certainlyexperience costly delays inthe close of your home saleor, worse, turn prospectivebuyers away altogether.

In most cases, you canmake a reasonable pre-inspection yourself if youknow what you’re lookingfor, and knowing what you’relooking for can help you pre-vent little problems fromgrowing into costly and

unmanageable ones.

To help home sellers deal

with this issue before their

homes are listed, a free report

entitled “11 Things You need

to know to Pass Your Home

Inspection” has been com-

piled which explains the

issues involved.

To order your free copy

of this report visit www.

HamiltonInspectionPitfalls.com

27 Quick &Easy Fix Ups toSell Your HomeFast and forTop DollarHAMIlTOn/nIAGArA – Because your

home may well be your largest asset, sell-

ing it is probably one of the most impor-

tant decisions you will make in your life.

And once you have made that decision,

you’ll want to sell your home for the high-

est price in the shortest time possible with-

out compromising your sanity. Before you

place your home on the market, here’s a

way to help you to be as prepared as pos-

sible.

To assist homesellers, a new industry

report has just been released called “27

Valuable Tips That You should know to

Get Your Home sold Fast and for Top

Dollar.” It tackles the important issues you

need to know to make your home compet-

itive in today’s tough, aggressive market-

place.

Through these 27 tips, you will discov-

er how to protect and capitalize on your

most important investment, reduce stress,

be in control of your situation, and make

the most profit possible.

In this report you’ll discover how to

avoid financial disappointment or worse, a

financial disaster when selling your home.

Using a common-sense approach, you get

the straight facts about what can make or

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You owe it to yourself to learn how

these important tips will give you the com-

petitive edge to get your home sold fast

and for the most amount of money.

How to order your free copy of this

report, check us out online at

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11 Critical Home Inspection Traps To Be

Aware Before Listing Your Home For Sale

HAmILTOn EAST

Bungalows/Raised Ranches

Starting at $83,900

36 available

Two Storeys

Starting at $174,900

16 available

Semis & TownHomes


25 available

HAmILTOn mTn



68 available

Two Storeys


109 available

Semis & TownHomes


53 available

HAmILTOn CTR



23 available

Two Storeys

Starting at $96,500

96 available

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STOnEy CRk upR



10 available

Two Storeys


37 available

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23 available

STOnEy CRk LWR



29 available

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52 available

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32 available

GRImSBy



21 available

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44 available

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11 available

LInCOLn



30 available

Two Storeys


40 available

Semis & TownHomes

Starting at $79,900

20 available

Call Today 905-945-0188


www.golfiteam.com

Rob Golfi*

Grimsby, Lincoln West Lincoln & Niagara

smIThVILLe $379,7007 Wade Road

OVersIZeD lOT that can possibly be severed for a cornerbuilding lot or build a garage. Buyer to verify zoningregulations. 4 level side split in a prime location on quietdead end street. 3+2 bedrooms, in-ground pool, walk upfrom basement, large double garage & driveway. Updatedkitchen, windows, hardwood floors, and roof.


BeAmsVILLe $399,900Academy Street

rM2 ZOnInG – ¾ acre land site centrally locateddowntown area, permitted uses apartment dwelling,boarding or lodging dwelling, home for the aged, nursinghome, group home, private home daycare. Call for details onpermitted uses.


BeAmsVILLe $989,900P/L#23 Durham Road

ZOneD lIGHT InDUsTrIAl AnD COMMerCIAl with5.5 acres and 602 feet of frontage on Durham rd.


FORTeRIe $799,9003723 Niagara River Parkway

BreATHTAkInG VIeWs On 2 ACres! 4+1 Br homefeatures Oak hardwds, main flr master suite, irrigationsprinkler system, aerobic septic bed, backup gas generator,furnace 6yrs, roof 3yrs, gardeners greenhouse & a nicelylandscaped yard! Docking rights available!


GRImsBY $959,900342 Kemp Road West

CUsTOM BUIlT home on 37 acres. Features nanny'squarters or 2 bedroom in-law suite, 2 fireplaces, gourmetkitchen, ceramics, vaulted ceilings, in-ground pool, 3 cargar. Barn w/13 stalls, 4 paddocks & a 60x140 arena. Minutesfrom town!


BUiLDiNG LOT

5.5 AcREs 37 AcREs

sT.CAThARINes $252,90015 Lakeside Drive, Unit 39

3 BeDrOOM TOWnHOUse with amazing views of thelake! resort style living. large eat in kitchen, living roomwith corner gas fireplace, updated flooring, freshly painted.In-ground pool, large courtyard, private deck off patiodoors, lower level finished.


FORTeRIe $849,9001645 Niagara Parkway

CUsTOM BUIlT HOMe facing the niagara river, fourlarge bedrooms, plus finished attic with roughed in bath fora fifth bedroom. solid oak doors and trim throughout.Unspoiled basement with walkout. new C/A, Furnace ‘01.roof ‘05. Does not disappoint!


WATERFRONT

PeLhAm $699,900571 Poth Street

5 ACre PrOPerTY w/ large 4 bedrm home & barn w/stalls. Home feat liv/rm, dinrm, eat-in maple kitchen, mainflr master suite & fin bsemnt. Outdoor feat large pond, barnw/ 5 stalls, run in shed, 2 paddocks & exercise ring


GRImsBY $479,900180 Main Street West

2 sTOreY WITH In-lAW. 4+2 bedrm, 3 full baths, 2 halfbaths, new kitchen, furnace & a/c, roof & back deck. Mainfloor home office, den & separate dining rm. In-law hasseparate entrance & driveway.


GRImsBY $899,9001 11th Street

BIGGer THAn IT lOOks! 2200 sq ft completely rebuiltWaterfront retreat w/180-degree views of lake feat. 3bedrms & 2 baths in a . large master suite w/ensuite, twomain floor bedrms, 3pc powder rm, two-level living area,spacious dining rm, & over sized chefs gourmet kitch. Turnthe key & leave w/this zero maintenance freehold property!


WATERFRONT

WATERFRONT

Docking Rights Available!

WAINFLeeT $389,90040830 Forks Road

2.8 ACres OF COUnTrY lIVInG with pond. Updated 2storey country charmer. This home has it all, 4 bedroom, 2full baths, large eat-in kitchen, main floor office, laundryand mudroom. Outside features a lovely wrap-around porchand 4 car garage.


2.8 AcREs

BeAmsVILLe $159,9002 Meadowood Lane

BUIlDInG lOT rAre FInD - Fantastic opportunity tobuild your dream home on this 50 & 57 x 108 ft lots!, sewerand water to lot line. Buyer pays town, regional charges andpark dedication plus building permit, 2 lots available.subject to severance in progress. HsT may be applicable.

$639per/mthP&I/O.A.C.

5 AcREs

BeAmsVILLe $184,9004553 Ontario Street

2 BeDrM BUnGAlOW located within walking distanceto downtown, shopping, great schools, & easy highwayaccess. Amazing investment opportunity in the heart ofBeamsville w/some updates including roof ‘06, furnace, hotwater tank replaced approx. 5 yrs ago, garage roof ‘07


BeAmsVILLe $99,9004946 Maple Avenue

VACAnT COMMerCIAl lOT 40x140 ft. located walkingdistance to downtown Beamsville and QeW. services are onthe road. Call rob Golfi today at 905-945-0188 for a privateviewing. Thank you for visiting my website and I lookforward to hearing from you


GRImsBY $1,074,900191 Kemp Road East

3552 sQ. FT. BUnGAlOW on 25.5 acre property. 3+1bedroom home features hardwood & ceramics, crownmoulding, coffered ceiling, solid cherry custom kitchen,granite, marble, 3 car garage w/entrance to mudroom, mainfloor laundry.


GRImsBY $955,000143 Lake Street

FABUlOUs FInD – exclusive listing to the Golfi Team.Beautiful Waterfront lot sitting on 140 x 183 ft. lot onprivate cul-de-sac, build your dream home on the shores oflake Ontario, services include sewers, water and gas to lotline.


WATERFRONT

VAcANT cOmmERciAL LOT

25.5 AcREs

GRImsBY $279,9009 Lakeview Avenue

Great location offering detached 2 bedroom bungalow withdetached single car garage. This home offers finishedbasement, separate dining room, large living room, greatlandscaped yard with deck and gazebos. rental furnace andA/C 2013, will be paid out on closing by seller. roof 2013.


GRImsBY $243,90091 Livingston Avenue, Unit #1

end unit townhouse features family room w/ gas fireplace &sliding doors to balcony, oversized kitchen, generous sizebedrooms, freshly painted. recent updates incl. kitchen w/backsplash, new flooring in the kitchen, dining room &bedroom level.


VINeLAND $399,7003869 Victoria Avenue

Turn of the century home w/ beautiful trim, crown mould,rich hardwoods, French doors, character front porch.Granite kitchen counter, added on fmily room w/ kitchenette& office. Carriage house perfect for the live/workenvironment


hAmILTONmTN $269,900367 East 28th Street

GOInG, GOInG, GOne!! lovely pocket of well-kepthomes, walk to schools and shopping. Oak kitchen w/granitecounters, updated windows, doors, shingles, large garagew/hydro perfect for a man cave. Private backyard oasisw/patio & landscaping. side entrance to basement and longdriveway.


Call Today 905-575-7700


10 ways to avoid buying the wrong houseThe most common mistake home buyers make is that they buy with theirheart instead of their head.

The most common mistake homebuyers make is that they buywith their heart instead of their

head. This often means they pay morethan they should or are disappointedwhen they uncover defects in the homeor find out the neighbourhood isn’tquite what they thought.

1. Visit the neighbourhood on foot.Take a walk through the neighbour-

hood and talk to people. Drive by at7:30 in the morning to see how manyschool buses are picking up children.You can also tell how long it may takeyou to commute to work during rushhour. By speaking to people, you cannot only get a sense of the friendlinessof the community, but also as towhether there are any surprises that noone is going to advertise, a local haunt-ed house, vandalism, former growhouses, or the neighbour from hell.

2. Go to City HallVisit your local building department

and find out if any new developmentsare planned. new development mayincrease property values but alsoincrease traffic. Check to see how manyowners have applied for minor vari-ances, to either build homes or addi-tions that are larger than the by-law per-mits. This gives an indication of thefuture direction of this neighbourhood.

3. Find the right real estate agentstart by asking family and friends.

look for signs in the area that interestyou, especially “sold” signs. This is agood indication that the agent has thearea’s pulse and knows what a homeshould sell for. They should also likelybe aware of any problems, such assewage backups, termites or vandalism;

things that may only be known bylocals. Also check the website of anyagents that you may interview. Do theyoffer tips and explain what servicesthey provide? Do they offer informa-tion about the neighbourhood includingparks, religious institutions, demo-graphics and schools? Ask about theirsuccess rate with bidding wars and dothey know how to approach sellers whorefuse to pay commission?

4. How much can you afford?When it comes to mortgages, it is

not enough to know in advance howmuch you can safely borrow based onyour income. Buyers should also real-ize that the lender will do an appraisaland if the lender believes you paidmore than the house is worth, they willnot give you the full amount of the loanthat you expect. so, be very carefulabout stretching yourself to the limitwhen you make an offer on any home.

5. Title insurance is a mustTitle insurance can be arranged

through your lawyer. You will be pro-tected against unpaid taxes or waterbills by the seller, as well as problemsthat are not known at closing. Thisincludes problems where part of thehome or swimming pool is in fact onyour neighbour’s property. However, itis a mistake to believe that title insur-ance will protect you against every-thing. For example, title insurance willnot compensate you if you thought yourlot was 50 feet and a later surveyshowed that it was only 48 feet.

6. Why a survey is importantA survey will reveal all boundary

issues in advance, which will ensurethat you do not have problems after

closing, especially if you plan on mak-ing additions or other improvements.

7. Choose a home inspector carefullyThe home inspection is a critical part

of the process, so do your research.Make sure the company is registeredbefore retaining them. The OntarioAssociation of Home Inspectors is aself-regulating body that defines quali-fications for home inspectors, andgrants the designation rHI, orregistered Home Inspector, to quali-fied practitioners in Ontario. Mostinspection firms have a limitation ofliability clause, which states that if theymiss something that costs you money,they are not responsible. Ask the com-pany if they have ever been sued by abuyer.

8. Ask the seller hard questionsAsk the sellers if they have had base-

ment flooding problems, or mould orroof leaks, even if the leaks have beenrepaired. Watch how they answer. Mostsellers will now refuse to sign propertydisclosure statements, but they arerequired to respond truthfully to thesequestions if you ask them directly. Ifthe seller refuses to answer or acts sus-piciously, then you need to discuss thiswith your home inspector and your realestate agent and either adjust your pur-chase offer or walk away.

9. Basement apartments must belegal

If the home contains a basementapartment and the income is importantto you, make sure that it legally com-plies with zoning and the fire code by-laws. If it doesn’t, then all it takes isone complaint from a neighbour andyou may be forced to spend thousands

of dollars to make it comply after youbuy.

10. Check about your insurancepremium early

Find an insurance agent right awayand if possible, check what it will costto obtain insurance as soon as you signyour agreement and before you waiveany conditions. An insurance agent cancheck the history of claims in theneighbourhood and can let you knowabout claims for sewage back-ups orvandalism. This is important informa-tion that any buyer should have beforedeciding to waive their conditions andcomplete the deal.

If you follow these simple steps andbuy with your head instead of yourheart, chances are you’ll get the houseyou want at a price you can afford, withno unwanted surprises later.

Mark Weisleder is a lawyer, authorand speaker to the real estate industry.

Crossword Solution

www.GolfiTeam.com

Crossword puzzle

Across1 puccini opera (2,6)5 Wicked and inhuman

person (4)9 Concerned with right and

wrong (5)10 Twice as many (3-4)11 pattern maker on ice (6,6)13 Hooligan with a covered head?

(6)14 Innumerable (6)17 mechanism increasing an

engine’s power — broughtracer (anag) (12)

20 Sunken source of fuel (3,4)21 under — Welsh town (5)22 Sauce — Irish county (4)23 Forceful — pronounced (8)

Down1 Shapeless mass (4)2 Tortilla folded round a filling (7)3 Trip-inducing substance (12)4 Talk indistinctly in a low voice

— a German mother (6)6 Thin mortar for filling cracks (5)7 place promising great wealth

(2,6)8 Spanner (6,6)12 Online space where people can

meet and talk (4,4)15 Vague (7)16 Hebrew “ciao” (6)18 Call to arms — series of

strokes (5)19 Sweet (abbr) (4)

The Solution

6 2 8 9 73 5 4

9 3 8 7 4 25 6 1

5 7 4 2 1 96 3 8

3 8 9 1 2 57 4 6

1 2 6 5 8 34 7 9

7 4 5 3 6 89 1 2

4 6 3 9 7 12 8 5

2 5 1 6 3 48 9 7

8 9 7 4 5 61 2 3

SUDOKUSUDOKU

612897 354

938742 561

574219 638

389125 746

126583 479

745368 912

463971 285

251634 89

897456 123

7

1

Fill in the grid above, so that

each row of 9 squares, each

column of nine and each

section of nine (three squares by

three) contains the numbers

1 through 9 in any order. There

is only one solution for the

puzzle and the numbers shown

can nOT be changed.

(Solution on Page 6)


New Monthly Record Set

The reAlTOrs® Association ofHamilton-Burlington (rAHB)reported 1286 property sales

processed through the rAHB Multiplelisting service® (Mls®) system inseptember. This represents a seven percent increase in sales compared toseptember of last year.

There were 2017 properties listed inseptember, an increase of 2.3 per centover the same month last year. end-of-month listing inventory was 10.3 per centlower than last year at the same time.

“sales were the highest we’ve seen forthe month of september, ever,” saidrAHB President Tim Mattioli. “Thestrong market seen through the summer iscontinuing into the fall.”

seasonally adjusted* sales of residen-tial properties were less than one per centhigher than the same month last year,with the average sale price up 5.3 percent for the month. seasonally adjustednumbers of new listings were 1.7 per centlower than the same month last year.

Actual overall residential sales were6.7 per cent higher than the previous yearat the same time. residential freeholdsales were four per cent higher than lastyear while sales in the condominiummarket saw an increase of 19.9 per cent.

“The condominium market in particu-lar saw a big jump in sales,” saidMattioli. “With new listings at about thesame level as last year and sales being

almost 20 per cent higher than last year,there were considerably fewer condo list-ings in inventory at the end of themonth.”

The average price of freehold proper-ties showed an increase of 4.8 per centcompared to the same month last year;the average sale price in the condomini-um market increased 17 per cent whencompared to the same period last year.

The average sale price is based on thetotal dollar volume of all properties soldin the rAHB market area. Average saleprice information can be useful in estab-lishing long term trends, but should not beused as an indicator that specific proper-ties have increased or decreased in value.

The average days on the marketdecreased from 44 to 38 days in the free-hold market and increased from 42 to 44days in the condominium market whencompared to the same month last year.

Year to date, listings are 1.9 per centhigher than the same January-to-september period a year ago. sales are6.4 per cent higher and the average saleprice is 5.5 per cent higher for the period.

every community in rAHB’s marketarea has its own localized residential market.

*seasonal adjustment removes normal sea-sonal variations, enabling analysis of monthlychanges and fundamental trends in the data.

MARKET ACTIVITY in SelectedRAHB Areas – September 2014

Number of Sales Average Sale PriceAreas 2013 2014 2013 2014

Hamilton West 56 39 $307,072 $362,397

Hamilton east 74 80 $212,232 $226,990

Hamilton Centre 83 101 $187,408 $204,191

Hamilton Mountain 153 162 $284,599 $309,621

Burlington 256 257 $501,650 $521,194

Ancaster 49 65 $555,506 $514,454

Dundas 36 31 $395,644 $424,990

Flamborough 26 24 $520,481 $526,904

Waterdown 33 27 $454,085 $486,630

stoney Creek 84 90 $329,695 $353,877

Grimsby 39 40 $373,503 $363,323

Glanbrook 38 39 $345,967 $377,732

Dunnville (61) 5 5 $183,850 $169,340

Caledonia 16 13 $287,044 $290,954

lincoln 19 33 $286,924 $314,648

West lincoln 8 6 $379,625 $315,692

smithville 3 7 $290,333 $318,143

Note: Numbers of sales represents sales reported on properties listed on the Multiple Listing Service(MLS®) of the REALTORS® Association of Hamilton-Burlington. Average sale price is calculated bydividing the total dollar volume of sales (not shown) by the number of sales in that month.

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RENTALS

hAmILTON $1,400/mTh328 Woodward Avenue

UPDATeD 3 Br BUnGAlOW! Open concept kitchlooking into lr & master Br at the back of house. 2 parkingspots avail. Close to bus stop, access to the red Hill &QeW. Available for immed. possession. Credit Check,references & letter of employment req’d. Tenant to havecontents & liability insurance.

hAmILTON $4,400/mTh1083 Beach Boulevard

TrenDY BeACH BlVD – spectacular & luxurious bestdescribes this awesome beauty! executive free holdtownhome on waterfront trail with top quality finishesthrough-out, quartz, marble, porcelain, crown moulding, andoversized terraces, steps away to downtown Burlington &quick access to QeW. Tenant to have contents and liabilityinsurance.

FOR LEAsEFOR LEAsE

sTONeYCReek $1,850/mTh33 Montreal Circle

Beautiful home on corner lot w/views of lake Ontario! 4Brs, 3.5 baths, fully finished basement, gas FP in living rm,oak staircase & seconds from QeW. Credit Check,references & letter of employment req’d. Tenant to havecontents & liability insurance.

FOR LEAsE

sTONeYCReek $1,900/mTh43 Riviera Ridge

FOr leAse! large 1.5 storey home finished top to bottom.Main floor bdrm w/ensuite, updated kitch, vaulted ceilings& gas fireplce in living rm. Fully finished bsmnt, fencedyard w/lrg deck w/retractable awning. seconds from QeW.Credit Check, references & letter of employment required.Tenant to have contents & liability insurance.

FOR LEAsE

GRImsBY $2,200/mTh7 Vanderburgh Lane

OPen COnCePT fully upgraded two storey home. l a r g eeat-in kitchen w/island, 3 large bedrooms. Walking distanceto elementary schools and quick access to QeW. CreditCheck, references & letter of employment required. Tenantto have contents and liability insurance.

FOR LEAsE

VINeLAND $1,450/mTh3905 Old Orchard Way

BeAUTIFUl seMI-DeTACHeD 3 BeDrOOM raisedranch in quiet neighbourhood. Quick access to QeW. singlecar garage with inside entry and sunroom. recentlyrenovated basement. First and last months rent required.Credit check, references and letter of employment. Tenant tohave contents and liability insurance.

FLAmBOROUGh $1,675/mTh40 Woodhill Road

nICelY renOVATeD. Updated kitchen with quartzcounter top, hardwood floors, main floor laundry andbathroom, beautiful yard and hot tub. Big house, bigproperty. All new appliances. Minutes to Dundas. 1-4 yearlease, rental app, credit check and notice of assessmentneeded.

LEAsED

GRImsBY $1,300/mThBranthaven Homes

BrAnD neW TOWnHOUse, end unit by Branthavenhomes in Grimsby. 1400 a month, utilities inclusive.looking for a mature person/couple.

LEAsEDLEAsED

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Hamilton, Stoney CreekAncaster, Dundas & Glanbrook

sTONeYCReek $399,900723 Ridge Road

BeAUTIFUl esCArPMenT VIeWs! Prime location onridge road, close to all amenities. This property has a homesuitable for renting or building your dream home. Buyer tosatisfy themselves with building permits & costs.


hAmILTONeAsT $949,9001087 Beach Boulevard

TrenDY BeACH BlVD – spectacular & luxurious bestdescribes this awesome beauty! executive free holdtownhome on waterfront trail with top quality finishesthrough-out, quartz, marble, porcelain, crown moulding, andoversized terraces, steps away to downtown Burlington &quick access to QeW


WATERFRONT

hAmILTON $284,90078 Lorraine Drive

GreAT MOUnTAIn lOCATIOn! This 3 bedrm, 2 bathrmbungalow is great for potential rental income. Interlockdriveway and walkway w/great landscaping, fully finishedbasement w/side entrance including gas fireplace, full eat inkitch connecting to fabulous 4 season sun rm & hardwd flrsthroughout.


BRANTFORD $129,900342 Dalhousie Street

location rocks!! short bus ride to Wilfrid laurier Campus.Convenient location for Tenants. Both units occupied onmonth to month. side parking and huge backyard. $475 +hydro/water upstairs and $650 + hydro/water downstairs.seller pays gas and water heater rental.


sTONeYCReek $699,90028 South Meadow Crescent

lAVIsH FrOM TOP TO BOTTOM! Custom built, eleganthome boasts pride of ownership throughout. This 2 storeyhome sits on 54x145 ft lot and features family size kitchenw/granite counters & butler pantry, showcase fireplace infamily rm. stamped concrete drive & patio w/oversized dblgarage.


hAmILTON $299,900113 Munn Street

lOCATIOn rOCks!! sit on your deck and watch yourkids in the park, amazing value in this large home. loads ofupdates! Updates include windows, kitchen, shingles 2013,and beautiful exterior stucco. large bedrooms in upperlevel, double drive with big garage and walk-out fromkitchen to deck and yard.


sTONeYCReek $217,000618 Barton Street, Unit #3

CleAn & BrIGHT TOWnHOUse in great location! newcarpet throughout, neutral décor, eat-in kitchen, masterbedroom with walk-in closet and 3 pc ensuite, and finishedbasement. Updated windows and shingles and quick accessto highway.


hAmILTON $269,900367 East 28th Street

GOInG, GOInG, GOne!! lovely pocket of well-kepthomes, walk to schools and shopping. Oak kitchen w/granitecounters, updated windows, doors, shingles, large garagew/hydro perfect for a man cave. Private backyard oasisw/patio & landscaping. side entrance to basement and longdriveway.


hAmILTON $279,90051 Callie Road

PrIMe MOUnTAIn lOCATIOn, 10++! Windows anddoors main floor 2013, high efficiency furnace, kitchencabinets upgraded, granite counter, freshly painted,refinished hardwood 2014. Bathroom updated. nice lotw/detached garage. side entrance for in-law potential. Quickclose available.



hAmILTON $199,900113 Cameron Avenue North

PrIMe HAMIlTOn eAsT lOCATIOn!!Hamilton`s newest hot location, used as two family, somerecent updates furnace/C/A 2012, shingles, baths 2006. rearthree car parking with easy access from street. Twobedrooms on main floor & one bedroom with living room(vacant) were getting 750.00/month w/utilities included.


sTONeYCReek $198,900511 #8 Highway, Unit #208

GOrGeOUs 2 bedrm terrace condo in prime stoney Creekneighbourhood. The balcony can be accessed from bothmain floor & master bedroom. Hardwood floors in livingroom, bedroom level laundry, eat-in kitchen, well located ina small 21 unit complex. Close to Hwy access, bus, school,parks and all amenities. All appliances included.


sTONeYCReek $479,90035 Chianti Crescent

3 BeDrOOM, 2 sTOreY HOMe. Open concept livingwith hardwood and granite floors, vaulted ceiling, crownmoulding. Basement with games room, wet bar and 4 pcbathroom. Patterned concrete, gazebo w/ fireplace &covered patio.


hAmILTON $269,900187 Sanford Avenue North

GreAT InVesTMenT OPPOrTUnITY! Currently set upas a 3 unit home. Updates include furnace, water heater, androof (2011). Potential rental income: Basement unit $750,Main unit $950, Upper unit $1200.


sTONeYCReek $474,900180 Montreal Circle

4 bedrm multi-level home complete with hardwood &ceramics, vaulted ceilings, marble & Corian countertops,upgraded kitchen with loads of cupboards, and completelyfinished basement w/extra full bathrm. Double car garage,backing onto ravine. Get your clients inside.


BURLINGTON $1,799,9996195 Milburough Line

ClAssIC GeOrGIAn COlOnIAl MAnOr withpicturesque tree-lined private driveway. Featuring gleaminghardwd, entertainers kitchen, stunning great room with 14 ftceiling, and custom millwork and trim thru-out. Upstairsyou will find 4 spacious bedrms all featuring their ownensuite, as well as bedroom level laundry.


CARLIsLe $899,90013 Elderberry Lane

Gorgeous backyard w/12x12 cabana w/hydro, custom pool,fenced yard, stamped concrete and private treed setting.Professionally finished basement w/solid oak wet bar,oversized 3 car garage, roof, furn & A/C 2009, CV 2011,Pool Pump 2014.


hAmILTONmTN $369,90052 Courtland Avenue

Gorgeous one flr in desirable location on the Mountain! 3+2Brs, 3 full baths, beautiful lr & Dr w/French doors. roof2014, Furnace 2008, Deck 2011, Alarm system, ingroundsprinkler system, main floor ldry rm. Fully finishedbasement w/2 lrg Brs, potential for in-law suite w/sep. sideentrance!


hAmILTONWesT $479,90025 Cline Avenue North

Beautiful 3+1 bedroom home in Westdale! Customkitch/granite counters/refinished hardwood floors,landscaped yard, interlocking patio. Furnace, C/A & HWTin 2010, updated plumbing stack, sewer line relined, sprayfoam insulated in back rm crawl space, completely re-wiredto code 2010, new roof 2013.


BURLINGTON $609,9003191 Renton Road

FAnTAsTIC neIGHBOUrHOOD! Updated 3 Br homein Headon Forest area! Open concept lr/family rm, eat-inkitch, master w/ensuite & walk in closet. Priv. fenced inyard w/new patio. Upgrades: new hardwd & tilingthroughout, new windows, new furnace, new C/A, newwater heater. roof replaced in 2009.


sTONeYCReek $449,90045 Bellagio Avenue

3 bedrm 1 year old home with a ton of builder’s upgrades.stunning kitchen, engineered hardwd & upgraded ceramics.loft area features a bright skylight. Home is across frompark & close to shopping, schools & highway access


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MarketplaceMarketplace

Pamela Culp Blanchard Cell: 905-971-9568 www.seniordownsizing.ca

Senior Downsizing

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HOME STAGING

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Grimsby Branch155 Main St. E. | 905-945-2930

Beamsville Branch4520 Ontario St. | 905-563-0822

Vineland Branch3370 King St. | 905-562-7373

Ancaster Branch1100 Wilson Street West | 905-304-6838

Centre on Barton Branch1187 Barton Street East | 905-547-6202

Rymal Road Branch2176 Rymal Road East | 905-692-3597

Hamilton Commercial & Small Business Banking Centre2 King Street West | 905-528-6391

Binbrook Marketplace Branch2537 Regional Road 56 | 905-692-8359

Jackson Square Branch2 King Street West | 905-528-6391

Stoney Creek Branch(Opening Fall 2014)259 Queenston Road

Documents

Oct 14, 2014 Issue 104