Life and Homes Northern New York

FreeMay 2010

Northern NY Life and

HomesHelp For the Remodeling Challenged

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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]

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

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

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

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

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

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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.

visit www.LifeandHomes.comClick on the magazine

Free Deliveryof LifeandHomes

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

QBe Regional senior vice President Charles valinotti recommends:

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

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

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

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

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

Tips for Combining HouseholdsBecause today’s first marriages are occurring

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

LifeandHomes provides Free Access to

High Definition real estate Videos on Demand

Local Homes For Sale

Go to www.LifeandHomes.com

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

email: [email protected]

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June O’BrienLic RE SalespersonColdwell Banker Rimada Realty1063-C Arsenal StreetWatertown, NY 136013313Offi ce: (315)788-4444Cell: (315)778-2508Email: [email protected]

Rimada Realty

Carthage $166,600Kick back and relax with country living on nearly 10 level acres of prime land. Hobby farm completely ready for animals (was used for horses) pastured with approx 6 acres of electric fence (could be more) 40’ x 16’ barn with reinforced wood floor and frost free water line and electricity.

Watertown $125,000Charming city home featuring original woodwork and hardwood fl oors. Combine this with all of the recent updates: high effi ciency furnace-2005, roof-2006, garage roof-2009-garage doors-2009, insulated and wired and freshly painted and this home is sure to please.

MLS# S227349

MLS# S230803

Dexter $298,300Country living at its fi nest in the original Conklin Farmhouse now completely renovated while retaining the warmth and charm of some original features. 28 x 42 - 4 stall horse barn, outdoor riding arena, all on 10 ACRES..

Croghan $169,900CALLING ALL HORSE OWNERS. JERDEN FALLS STABLES is a must see. It features a 60 ̀x 64 ̀indoor riding arena, 6 large box stalls, 7 paddocks, 4 run in sheds, 70 x 120 outdoor rid-ing arena, heated room in barn, 2 story large garden shed. 4 box stalls are 14 ̀x 16 ̀with 2 wired for video/tv camera. 2 stalls are 10 ̀x 12 ̀and divider comes out for foaling.

MLS#S226564

MLS#S230206

Sacketts Harbor $186,000Wonderfully maintained and updated, 3 bedroom, 2 bath home in Sackets Harbor. Large living room with gas fi replace, family room, sunfi lled breakfast room, fi rst fl oor masterbedroom and fi rst fl oor laundry. Large deck over looking beautifully landscaped lot and views of Lake Ontario.

Adams $224,500Enjoy peaceful country living on 4 beautiful acres surounded by perrenial gardens. Spacious, open fl ow-ing fl oor plan w/vaulted ceiling in lr and woodstoves in 2 rooms (Fam rm & Lr) for cozy comfy heating. 4 bedrooms, 2 full baths, offi ce and family room in addition to the lr, dr and kitchen.

MLS# S229478

MLS# S231897

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

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

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

call rob: 315-235-3753

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newsshorts

Military tribute series: drew macewen, former navy

nuke, now owns his own

fi nancial fi rm and espouses the

business philosophy of growing

existing networks while meticu-

lously selecting new customers.

creative entrepreneurism: Laura allen began helping

friends brainstorm to gain

employment after 9/11. The

events spawned her thriving

business, 15 second Pitch.

This Month on Spotlight:

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

nalist, White House Correspondent

and Cnn writer discusses the trials

and tribulations of writing a novel

and getting published.

TALK RADIO

interviewing successful people and revealing their winning strategies.

Join the Conversation

Over 12,000 Listening DownloadsYour business can be featured on our show! Call us at 315-235-3753.

LIVEAND ONDEMAND

Thursday’s at 7:00 pm eT.To Be a Part of the ShowCall in 646.478.4353

Hosted by Rob Thrasher

Listen Live or Log On Anytime at www.LifeandHomes.com - Click on Talk Radio

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

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

according to Remodeling magazine’s 2010 Cost vs. value report, homeowners will recoup the great-est share of their costs by foregoing super-deluxe proj-ects in favor of mid-range kitchen and bath remod-els. a mid-range kitchen remodel brings an average 72.1 percent return on investment and a mid-range bathroom project has an average 71 percent cost re-covery.

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

or, if you want to tackle something a little larger - nothing makes a style statement like a new bath-room faucet. The new method bathroom collection

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

Planning on the world wide web now that you’ve decided on the projects you’d like to undertake, it’s time to begin the planning pro-cess. Begin by looking at everything from current trends and style options to the nuts and bolts of es-timated budgets and time to completion.

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

Help for the Remodeling Challenged

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Your All Inclusive Home Directory lifeandHomes.com

27738 Dablon Point Road Waterfront Lot

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

Lic. R.E Salesperson • [email protected]

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

Cape Vincent $110,000

273 E James St 3 bedrooms / 1.5 baths





221 Esselstyne Street 3 bedrooms / 3.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #32949Bowes RealtyJames Wiley • 315-778-1360

Agent • [email protected]



346 James Street 4 bedrooms / 2.0 baths





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 $159,500

17 Chase Mills Rd 4 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #41404Byrns RealtySharon Cook • 315-869-8673

Lic RE Associate Broker • [email protected]


Chase Mills $149,900

2332 Humphrey Road 4 bedrooms / 1.5 baths





32322 State Route 12E 2 bedrooms / 1.0 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

Dablon Point Rd. Lot A Waterfront Lot





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

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

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]

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lifeandHomes.com Your All Inclusive Home Directory

28333 Rogers Road 4 bedrooms / 2.5 baths

For more details visit www.LifeandHomes.comType in Quick Search #41050Christensen Realty USAErnest Scribner • 315-222-3153

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


Evans Mills $294,900

536 West Shore Road 2 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #41401Byrns RealtyLinda L Love • 315-375-4486



Hammond $99,000

14138 South Shoure 5+ Acres

For more details visit www.LifeandHomes.comType in Quick Search #41402Byrns RealtyLarry Boliver • 315-346-6015

Licensed RE Agent • [email protected]


Harrisville $35,900

7257 Bull Rock Point Road 5 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #33410Garlock RealtyRuth Varley • 315-375-7860

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


Harrisville $190,000

265 North Woods Road 3 bedrooms / 2.5 baths

For more details visit www.LifeandHomes.comType in Quick Search #41403Byrns RealtyKeithaLee M Lauson • 315-393-0640



Hermon $350,000

177 Mitchell Road 2 bedrooms / 1.0 baths




Heuvelton $125,900

13623 French Settlement Road 4 bedrooms / 118 Acres

For more details visit www.LifeandHomes.comType in Quick Search #41389Century 21 Millennium RealtyLinda Waring • 315-408-6835

Lic. R.E Agent • [email protected]


Harrisville $499,900

County Rt 123 8 bedrooms / 4.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #41310Lake Ontario RealtyTammy Queior • 315-783-5408



Henderson $499,900

9672 Shady Lane 3 bedrooms / 1.5 baths

For more details visit www.LifeandHomes.comType in Quick Search #41352T.L.C Real Estate, LLCCarol Lehman • 315-376-6278

Lic. R.E Agent • [email protected]


Croghan $285,000

120 Beckwith 3 bedrooms / 1.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #41388Century 21 Millennium RealtyBetty Bork • 315-404-8242

Licensed RE Agent • [email protected]


Gouverneur $74,500

Lisa WatsonLicensed Real Estate SalespersonRimada Realty


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

Allen is a native of Watertown, NY, after four years of military service in the US Coast Guard. A homeowner in Clayton and Cape Vincent for 30 years, he is very familiar with the Lake and St. Lawrence River area. Retired from Niagara Mohawk, Allen works his real estate career full time and is always available to be of service.

Allen WalkerLicensed R.E. Salesperson Bowes Realty


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Deborah Schaefer, GRI, CBRBroker Owner

42781 NYS Route 12Alexandria Bay, NY 13607

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

[email protected]

$595,000 • Rock Baie Road • Wellesley IslandThousand Island Area Property

Looking for the perfect family compound? The great get-away has much to off er! The main house is year around and has two 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 four bedroom, one bath guest house, and a one or two bedroom studio apartment with a bath over the heated garage. On the large deck overlookingthe 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 waterfront on the Lake of the Isles with dockage too!

$225,000 • Log Hill Road • Alexandria BayPrivate get-away in the woods! This log sided home has three gas fi replaces, decks that put you in the treetops, and a hot tub on the main deck. The walkout basement has a bedroom w/bath that opens out into a mudroom and an attached heated garage. The master bedroom/loft over-looks the great room below. One room is ideal for a home offi ce and there is a possible fourth bedroom above that. There is storage galore in the house and two additional garage/storage buildings outside. One building has a cedar lined loft. Move into your sanctuary in the woods. Only minutes from Alex Bay and the river and 30 min to Ft Drum.

$125,000 • Orleans Ave • Fishers LandingImmaculate mobile with 12 X 12 dining room addition with a view the St. Lawrence River. Custom kitchen new in ‘08, new windows and 3 decks (2 covered). Use of riverfront for fi shing and swimming and you can pull a small boat up on shore. Marinas nearby for dockage. Large lot and a detached garage plus a storage shed for all you lawn equipment. Well maintained and ready for you. The taxes are cheaper than most mobile home parks.

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

35033 Lot 923 Eddy Rd 3 Bedrooms / 2 Baths

Theresa $43,500

Minutes from Ft. drum and local shopping, this wonderful double wide is ready for a new owner to call it home. Private area with great views. Looking from the front porch, enjoy the wilderness - park area and pond area are close by as well.Go to LifeandHomes.com and Type in QSN#41022

919 Academy Street 4 Bedrooms / 2 Baths

Watertown $177,000

Kitchen features all new cabinets, countertops, appliances, and flooring. Mudroom at the back of the house leads to a large, completely fenced backyard. 1st floor bedroom and three nice size bedrooms upstairs.Go to LifeandHomes.com and Type in QSN#41399

13115 County Rt 156 3 Bedrooms / 2 Baths

Watertown $219,000

5 acres w 2 stocked ponds. downstairs features high ceilings, garden window, sliding glass door that leads to screened in porch overlooking pond. New wood stove in LR, Kitchen w large island a sliding glass doors that lead to another porch overlooking pond.Go to LifeandHomes.com and Type in QSN#33792

30139 Burnash Ave3 Bedrooms / 1 Bath

Rutland $124,000

The modern kitchen offers new flooring and plenty of cabinet and counter space. off of the sliding glass door of the living room - there is a screened back porch that looks out into the backyard which offers a nice size yard and partial wooded area.Go to LifeandHomes.com and Type in QSN#41398

45226 Taylor Road5 Bedrooms / 3 Baths

Alexandria Bay $279,000

1 year free home warranty included. Landscaped front and back yards, Huge back deck, firepit. entry and LR have hand scraped wood floors. LR w fireplace. Kitchen has travertine flooring, custom cabinets, stain-less appliances, tiled back splash, large center island.Go to LifeandHomes.com and Type in QSN#41018

17643 Us Rt 11 23 High View Terrance 2 Bedrooms / 2 Baths

Watertown $23,000

Single Wide Home in Northland estates mobile home park - lot rent approximately $360. 1991 Colony Keystone - 70 X 14. 3 storage units and a partial fenced yard area - great for kids or animals.Go to LifeandHomes.com and Type in QSN#41021

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if you saw this before, you need to look again...you will love the improvements including

new carpet, refi nished fl oors, new door and window casings. new coat closet and pantry for

kitchen. first fl oor is 99% complete. Completion of the huge upstairs bath almost completed.

This large 3 bedroom home is located next to the Historical Brown mansion in Brownville,

nY close to Watertown and fort drum. This large home has wonderful natural lighting in

almost every room...great for those dreary winter days. The basement has the potential of at

least two more bedrooms. Call for your appointment!

Charming Victorian Home 208 Brown BlvdBrownville, nY 13615

$179,900

judy A. condino, GriLicensed Real estate Broker 1035 B Coffeen street Watertown, new York 13601 www.condinorealty.comCell: 315-408-5968 [email protected]

offi ce: (315) 405-8127

GArLoCK rEALtY 9 Washington StreetAlexandria Bay, NY 13607

Offi ce: 315-486-4944GarlockRealty.com

45981 Wade St This is a solid investment, a one of a kind water-

front property. This year-round home has been totally renovated from top to bottom. The home is finished with quality materials and workmanship,and remains neutral in color ready for your individual taste.

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

Alexandria Bay $650,000 20958 Point Vivian Rd one of the longest, privately owned stretches of river

property on the mainland. This main channel cottage is nestled on 1.17 acres and features 2 BR/1 Ba, open floor plan, original stone fireplace, bunkhouse for guests, 2-stall garage and the most wonderful enclosed front porch.

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

Alexandria $675,000

45322 Duckaway Island Private island with 2 bedroom cottage, stone fire-

place, new septic and plenty of deep water dockage.


Orleans $199,900 21061 Point Vivian Rd Gorgeous grounds & well maintained home located

on private parcel. This waterfront home features 4 BR/2 Ba, modern kitchen, formal dining, fireplace and panoramic main channel views.

Cathy GarlockLic RE [email protected]

Alexandria $799,000

42 Anthony St This home displays ultimate pride of ownership,

There is not a thing left to be done. just bring your fur-nishings and you`re all set. With tastefully painted walls, newly laid carpets, and sun filled rooms, what a delight!


Alexandria $109,900 44812 Co. Rt. 100-A MaJeSTIC RIVeR LoFT oN WeLLeSLeY ISLaNd-

Well maintained main channel river home situated on pri-vate 1.2 acres w/123 ft. of pristine waterfront. Features 3 BR/3 Ba open floor plan, cathedral ceilings, formal dining room, wraparound deck and 2-stall garage w/workshop area.

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

Alexandria $479,000

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call to sell or Buy a Home today!315.681.6914www.aare.biz

Veteran Owned and Operated

in the Heart of the Village of Black river

james conlinBroker/ Owner

315.408.8246

“I want to earn your trust and be YOUR REALTOR for life!”

Residential • Commercial • Waterfront • Property Management

102 S. Main St, Black River, NY 13612 • 315.681.6914

Pinckney $159,9002020 County Route 1943 Bed/ 2 Bath1,680 sq ft

MLS#S230990

Watertown $4,000BurlingtonVacant Lot

MLS#S230427

Carthage $89,9002020 County Route 1944 Bed/ 2 Bath1,980 sq ft

MLS#S230511

Rutland $239,90031120 NYS Rte 33 Bed2,100 sq ft

MLS#S230491

Watertown $1,500,000Factory StCommercial Mixed or Industrial100,024 sq ft

MLS#S232475

Wilna $79,90022216 Boyd Rd2 Bed/ 1 Bath720 sq ft

MLS#S230417

UNDER CONTRACT

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PRIME PROPERTIES

St Lawrence River - 1000 IslandsWaterfront Condos

with Boat Slip

New ConstructionStarting at

$184,000

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

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

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

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

Bowes Realty LLC40219 NYS RT 12Clayton NY 13624P: 315-686-3315F: 315-686-5068

George & Miriam BowesGeorge: 315-771-6543Miriam: 315-771-6542

E- [email protected] - www.BowesRealty.com

Second St., Alexandria $123,500

Lovely home, hardwood fl oors throughout except linoleum in kitchen & baths & Berber carpet on stairway & in master bedrm. Open stair-way, propane fp in living room, separate laundry room could be 4th bedroom. Modern kitchen, glass enclosed front and back porches. Work bench in basement & garage. Chain link fence on part of property provides large exercise area for pets. MLS # S225111

Log Hill Rd, Alexandria $325,000Lovely log home with 10 acs expertly built and includes ceramic tile, carpeted fl oors, majestic 2 story brick fi replace, cathedral ceiling, open stairway to 2nd. fl oor, large rooms, beautiful kitchen with Jenn-air range, grill and central air. Master bedroom has att. full bath with whirlpool tub and shower. There’s a large back deck, steel pole barn, storage shed plus a circular drive. Minutes to the St. Lawrence River, Alex Bay and bridge to Canada.MLS # S225672

James St, Clayton $134,900Completely updated Clayton village home has large back deck with hot tub. Four nice sized bedrooms, 1 1/2 new baths, modern kitchen, formal dining rm., large living rm., close to stores, school and churches. Located in resort village on the St. Lawrence River, easy drive to Ft. Drum or Watertown.MLS# S226171

Fulton St, Antwerp $75,500

Large 4 bedroom home with large living room and wrap around glass enclosed porch. Located on quiet neighbor-hood street in Jeff erson County.MLS# S229427

Hilltop Lane, Clayton $108,500

Landscaped doublewide has a nice water view of the St. Lawrence River Main Channel and is located on a quiet road just off the Clayton-Alex Bay Rd. It has a large back deck with awning, propane fi replace, formal dining rm, living rm with built in book cases, family rm, large bedrooms, and it comes furnished. Cable is available too.MLS # S225711

Ridge Road., LaFargeville $295,000Hobby farm of 317 acs on dead end road consists of a nice doublewide home with a 10x32 back deck,pole barn, horse barn, underground utilities, a spring fed pond,sugar bush, two beaver ponds,a hunting camp, 80,000 White Pine trees. Also includes a separate parcel of underwater rights to part of the Chaumont River from Depauville going up river for approx. a mile. Rights extend to the high water mark and is useful for trapping or fi shing. MLS# S226239

BowEsrEALtY, LLC

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8648 Lotts Point Rd 2 bedrooms / 1.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #41311Lake Ontario RealtyAmanda Miller • 315-639-6180

Lic. R.E. Broker • [email protected]


Lyme $159,000

39 McEwen Rd 199 Feet of Water Frontage




Morristown $200,000

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



Morristown $195,000

10123 S.H. 37 5 bedrooms / 3.5 baths

For more details visit www.LifeandHomes.comType in Quick Search #41400Byrns RealtyLinda L Love • 315-375-4486



Ogdensburg $419,000

Custom Built Homes Post & Beam

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

0 • [email protected]


Syracuse

31529 Boat Launch Road 5+ Acres

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

27585 Depot - 2 Unit 6 bedrooms / 2.5 baths

For more details visit www.LifeandHomes.comType in Quick Search #41051Rome RSA Realty L.L.C.Nancy Rome • 315-493-2134

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


Natural Bridge $68,400

30139 Burnash Ave 3 bedrooms / 1.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #41398Coldwell Banker-Rimada RealtyLisa Watson • 315-286-9682



Rutland $124,000

Elm Ridge Road 79+ Acres

For more details visit www.LifeandHomes.comType in Quick Search #41214Elliott Realty, Inc.Anthony Pisarski • 315-783-6917

Lic R.E Associate Broker • [email protected]


Le Ray $399,000

77 Blackstone Bay Rd Waterfront 8 Acre Parcel

For more details visit www.LifeandHomes.comType in Quick Search #41085Century 21 Millennium RealtyCarol Adler • 315-786-6666



Morristown $295,000

Your All Inclusive Home Directory 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

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lifeandHomes.com Your All Inclusive Home Directory

6921 Failing Shores 2 bedrooms / 1.0 baths




Three Mile Bay $119,000

928 Riggs Ave 3 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #41391Coldwell Banker-Rimada RealtyDoris L. Olin • 315-783-0241

Lic. R.E Associate Broker • [email protected]


Watertown $49,800

1029 Gill Street 3 bedrooms / 1.5 baths

For more details visit www.LifeandHomes.comType in Quick Search #41390Coldwell Banker-Rimada RealtyDoris L. Olin • 315-783-0241

Lic. R.E Associate Broker • [email protected]


Watertown $139,800

255 Paddock Street 3 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #41215Elliott Realty, Inc.Anthony Pisarski • 315-783-6917

Lic R.E Associate Broker • [email protected]


Watertown $269,900

41 Champion 4 bedrooms / 2.0 baths




West Carthage $149,800

23711 Staie Rd 1 bedrooms / 1.0 baths




Wilna $74,900

919 Academy Street w4 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #41399Coldwell Banker-Rimada RealtyLisa Watson • 315-286-9682



Watertown $177,000

348 S Hamilton 3 bedrooms / 1.0 baths




Watertown $139,900

109 High Street 4 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.comType in Quick Search #41309Lake Ontario RealtyAmanda Miller • 315-639-6180

Lic. R.E. Broker • [email protected]


Theresa $129,900

Bronson Street 2 Family + Single Family

For more details visit www.LifeandHomes.comType in Quick Search #41382Front Porch RealtyKatharine Dickson • 315-783-2104

Licensed R.E. Agent • [email protected]


Watertown $125,000

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]

I consider this region an excellent place to reside and would love to share with you my enthusiasm for the many neighborhoods that encompass it. I pride myself on provid-ing unparalleled service and look forward to developing a long-term relationship with you. I am also an AccreditedStaging Professional TM able to advise you on preparingyour home to sell quickly and for top dollar.

Ruth VarleyLicensed Associate Real EstateGarlock Realty Broker


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Sylvia De VitaLic R.E. Salesperson

315-778-7381www.sylvia.exitmorerealestate.comsdevita@exitmore.com

Are you looking to BUY or SELL your home?

Log onto www.sylvia.exitmorerealestate.comto view properties in our area

Evans Mills $32,000 Lot for Sale2 Beautiful Spacious lots near Fort Drum. These are Lots 1 & 2 in a series of 5. This lot is on a paved road with Ft. Drum across the street. Quiet and secluded. 5+ Acres.

Lot for SalePerfect building lot minutes to Fort Drum off of Route 11. Electric already in place! Zoned for commercial or residential. This property is a must see 5+ acres!

Evans Mills $45,000

4 Bedrooms/2BathsVacant!!! Ready for a new family. Many recent upgrades! New carpet and fl ooring with updated kitchen and bathrooms, appliances included. Huge laundry room with washer and dryer. Within walking distance to downtown and minutes to Fort Drum. This house is bigger than it looks!! The eat-in kitchen leads to the back porch. Three nice size bedrooms. 2 car gargage with one side used as a heated WORKSHOP!

Watertown $140,000

3 Bedrooms/2 BathsBeautiful home tucked away in a wooded 1.74 acre lot near Fort Drum,Watertown and the Thousand Island Region. Master bedroom has a walk-in closet and its own full bath. The open kitchen features ceramic tile that leads to the dining area and has access to the huge 2 stall attached garage. The front full length covered porch is perfect for entertaining!

Theresa $232,000

S.H. 37 , Ogdensburg $419,000

3-5 bedroom, 3 1/2 bath custom built home on the St. Lawrence River. The home sits on approximately 2 acre lot w/200 ft. water frontage. Main level includes kitchen w/eating area, family room w/fi replace, formal dining room, 1/2 bath, laundry room, master bedroom w/jacuzzi, and 3 car garage.Upper level has 2 bedrooms, full bath, and spacious bonus room over garage. QSN #41400

North Woods Road, Hermon $350,000

ATTENTION NATURE LOVERS! This is the most UNIQUE home you`ll ever fi nd. This solar home is a ONE OF A KIND! The design and construction is unequaled. The windows are all triple pane and the views are magnifi cent. The coun-ter tops and some fl oors are uniquely designed concrete. The staircase as well as this entire home is constructed from local trees. QSN #41403

Chase Mills Rd, Chase Mills $149,900

GREAT LOCATION, this house has 520`of river frontage on the Grasse River and 5 acres of private wooded land. Sim-ply take a short walk through the woods to the river and sit in the screened in gazebo and enjoy the view or go down the stairway to fi sh, swim or kayak. At night have friends over for a campfi re by the river. QSN#41404

West Shore Road, Hammond $99,000

Exceptional ranch home on Pleasant Lake. Completely renovated, new carpet and painted throughout. Open fl oor plan. Knotty pine cathedral ceilings. Four sets of french doors lead to huge deck, views of lake and sunsets. Master BR w jacuzzi, full bath. QSN #41401

South Shoure, Harrisville $35,900

Located just a few hundred feet from your own personal deck is 5.4 acres priced to sell. This property has a great spot already cleared to build your dream home or summer cottage, and there is a well on the property. The road is plowed in the winter for year round access. QSN #41402

Byrns RealtyBradley J. BurnsLic. Real Estate Broker/Owner315-287-1789 Gouverneur Offi ce315-393-0640 Ogdensburg Offi ce315-322-4524 Waddington Offi ce315-493-7653 Carthage Offi ce315-848-2323 Star Lake Offi ce

Five offi ces now serving the entire North Country. New offi ces in Waddington and Ogdensburg!

www.ByrnsRealty.com

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

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

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

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

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

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

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

Author William Gold has done extensive research on mortgage refinance no closing cost and no cost mortgage refinance. www.approveall.com(Source: bestmanagementarticles.com )

no closing cost Mortgage refinance Attractive But DangerousBy William Gold

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Replace lost income to pay off debts, final expenses and protect the life-style for the people you love in the event of the unexpected

You've just lost someone close to you, and it's a difficult, stressful time. You're grieving, yet there's so much to do: funeral arrangements to make, family to care for. and as painful as it may seem, there is also urgent busi-ness concerning your finances. Here's a checklist, by no means complete, to help you get started:

• Contact your loved one's places of employment. find out whether he or she was covered by employee group insurance. You should also ask about any pension benefits, accrued vacation or sick pay, and credit union accounts.• Contact any unions and service or professional organizations your loved one belonged to. You might be eligible for benefits through these groups.• Gather your loved one's bills. some loans and service contracts are covered by credit life insurance that pays off the balance in the event of a customer's death.

security for Your futureif you've been left a significant inheritance, you face further decisions for the long term. some people choose to use a small part of the money to pay debts, or buy something they might not otherwise be able to afford.Keep in mind, though, that your loved one probably intended to provide security for your future as well. after your loss, other family members may be even more dependent on you. You may decide to use your inheritance to provide security for them, just as it was provided for you.Life insurance can play an important role. a single premium policy can guarantee* your heirs a financial legacy that's generally free from federal income tax. Life insurance can also offer living benefits, like the option of borrowing against a policy's value.**

Life can change swiftly and unpredictably, so it's always wise to have your affairs in order. The best time to make arrangements for tomorrow is today. This educational third-party article is being provided as a courtesy by Gary sunada, financial services Professional, new York Life insurance Company. To learn more about the information or topics discussed, please contact him at 315.738.2612.

* Guarantees backed by the claims-paying ability of the issuer. ** a policy’s cash value may be accessed via policy loans and/or partial surrenders. Policy loans accrue interest at the current rate. Loans and partial surrenders reduce the death benefit and cash value. Policy loans and withdrawals may be subject to regular income tax and may carry a 10% iRs penalty tax if the policyowner is not yet 59½.

what life expectancy Means to retirement PlanningThe toughest question to answer when planning for retirement is, How long will i need the

money? The truth is: no one knows for sure. if you have heard of life expectancy estimates

but are not quite sure what they represent and what that means for your future, read on.Read MoRe (Read Complete Article at: www.LifeandHomes.com/nny. Click on Financial Planning tab at

top of page.

designing a safer, smarter retirement strategy You worked hard, saved your money, secured a company pension, built up a 401(k), and

invested well. in short, you made all the right choices in planning for retirement. But that

was then, this is now.Read MoRe (Read Complete Article at: www.LifeandHomes.com/nny. Click on Financial Planning tab at

top of page.

FinancialPlanning

After a Loss: Managing a Loved One’s Affairs and Your InheritanceGary 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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Life and Homes Northern New York

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