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Welcome
Welcome to the October issue of Central New York LifeandHomes! As the season changes and autumn settles across Central New York, it’s a wonderful time to explore what’s happening in our local real estate market. Whether you’re dreaming of a new home, considering an investment property, searching for commercial space, looking for land to build on, or are in need of real estate related services, we invite you to take a few moments to browse through this month’s publication. Inside, you’ll find a variety of properties and real estate opportunities from professionals who know Central New York and the communities they serve. Our advertisers offer expertise in residential real estate, commercial properties, multifamily investments, land, and the many products and services that support your real estate journey. We encourage you not only to look at the listings, but to take the next step. When a property catches your eye, reach out to the agent or business featured in the advertisement. They can provide additional details, answer your questions, arrange a showing, and help you explore whether an opportunity is right for you. And remember, the professionals who advertise in CNY LifeandHomes are here because they want to serve you. Your calls, inquiries, and visits are what make our local business community strong. Thank you for picking up this issue and supporting the advertisers who make this publication possible. We hope you enjoy discovering the possibilities waiting right here in our own backyard.
Table of Contents Applewood 4 Lori Hamlin 4 _Cal _________Lyons ____________________________________________________________________________4 ___ Diedrich Associates 5 _Cherrywood _____________________________________________________________________________________5 ___ Inspect CNY 6 Joanne Zennamo 6 _Jury __________Duty ___________________________________________________________________________6 ___ 1st Rome Realty 7 _________________________________________________________________________________________ _Pondra's ____________________Home ________________& _____Hearth _________________Realty ___________________________8 ___ Coldwell Banker Prime 9 _________________________________________________________________________________________ _Wilkes ________________Real ____________Estate ______________________________________________________10 ______ John's Clean Outs 11 _________________________________________________________________________________________ _Pavia _____________Real ___________Estate __________________________________________________________12 ______ New Homes Modular 13 _Paul ___________Sacco _______________________________________________________________________13 ______ _John ___________Brown ________________Team ________________________________________________14-15 _____________ Caroline Marino 16 _Azza ____________Giorgi ______________________________________________________________________16 ______ Susan Alberico 17 Mark Canter 17 _Advanced ________________________Home _______________Inspection ___________________________________________17 ______ Bird's Adk RE 18 _Pamela _________________Washbon _________________________________________________________________18 ______ _Lawless __________________RE ________________________________________________________________19 ______ _ADK ____________Realty _______________________________________________________________20-21 _____________ Products & Service Directory 23 Rescue Mission 23 _Benson __________________Farms ________________________________________________________________23 ______ Timm Associates 24
Life and
Homes ONEIDA, HERKIMER & MADISON COUNTIES Corporate Office Lisi Merchant Solutions, Inc. PO BOX 18 HOLLAND PATENT, NY 13354
315-865-5845 www.LifeandHomes.com
Owner DAVID P. LISI Davidplisi7@gmail.com
Corporate Editor KIM LISI
kim.lisi.79@gmail.com
Advertising Deadline November 2026 Issue Ad Copy Due October 23, 2026 Owner/Sr. Account Executive
David Lisi, RMC Davidplisi7@gmail.com
P: 315-865-5845 John 14:6
LifeandHomes™ is published monthly by Lisi Merchant Solutions
Happy reading, and happy house hunting!
David P. Lisi
Owner / Real Estate Marketing Consultant
315-865-5845 • Davidplisi7@gmail.com
This information has been compiled from public records and other sources we believe to be reliable, but we make no guarantee with respect to its accuracy or completeness or the absence of restrictions on use and are not responsible for any liability, loss, or risk that subscribers may inquire, directly or indirectly, from using the contents of this site.
Copyright © 2026 Lisi Merchant Solutions, Inc
As Featured On The Front Cover For more information on this Front Cover Featured Listing, See Page 15 Offered by:
John Brown
Licensed Real Estate Broker/Owner
315-570-6640
10537 Doyle Rd, Oneida
Central New York
(Oneida, Herkimer & Madison Counties)
October Real Estate Shifts Gears October brings an interesting shift to the real estate market. As summer comes to an end and temperatures begin to cool, buyers and sellers often approach the market with a different sense of purpose.
driveways, landscaping, and drainage. Fallen leaves can sometimes reveal areas where to local data rather than relying solely on
water collects or where additional maintenance
national trends.
may be needed.
Whether you're considering buying, selling, or
Experience
simply keeping an eye on property values,
considering a particular community, visit
October can be an important month for planning.
nearby parks, shopping areas, restaurants,
Local
Amenities:
If
you're
schools, and other amenities. Seeing how With careful research, realistic pricing, and an
accessible these locations are during a normal
understanding of local conditions, buyers and
fall day can help you determine whether the
While activity may slow compared with the
sellers can make informed decisions as the real
neighborhood fits your lifestyle.
busy spring and summer months, October can
estate market moves toward the end of the year.
offer unique opportunities for both sides of a
Fall Neighborhoods: For buyers, October can be an attractive time to What Buyers Should explore the market. Some sellers who listed their Look For properties earlier in the year may become more transaction.
motivated as the year draws to a close. This can create opportunities to negotiate on homes that have been on the market for several weeks or months. Buyers may also face less competition than during the peak summer season, depending on the local market. Sellers, meanwhile, can benefit from highlighting the seasonal appeal of their homes. Fall landscaping, warm interior spaces, fireplaces, and well-maintained outdoor areas can help create an inviting atmosphere for prospective buyers. Since buyers shopping in October are often serious about making a purchase, a wellpresented and appropriately priced property can stand out. October is also a good month to evaluate the broader real estate picture. Mortgage rates, inventory levels, home prices, and local employment trends can all influence market conditions. Because real estate markets vary significantly from one community to another, homeowners and buyers should pay attention
October can be an excellent time for homebuyers to explore neighborhoods throughout our local area. While spring and summer are traditionally busy seasons for real estate, visiting a community in the fall can provide buyers with a different perspective - and valuable information about what everyday life may be like in the area. See the Neighborhood in a Different Season:
Think Ahead to Winter: For buyers, October is also a chance to consider winter conditions. Look at road access, sidewalks, driveways, and snow storage areas. If possible, ask current homeowners or your real estate professional about winter maintenance and local services. Most importantly, take your time. A home may look appealing online, but the surrounding neighborhood plays an important role in your long-term experience. Making time to drive or walk through a neighborhood you're considering can help you gather practical information and make a more informed decision about where you want to call home.
“Buy land, they’re not making it anymore.” — Commonly attributed to Mark Twain
Fall allows buyers to experience a community as temperatures cool and summer activities wind down. Take a drive through the neighborhood and pay attention to traffic, parking, sidewalks, and overall upkeep. These details can help you better understand the character of an area beyond what you see during a scheduled showing. Evaluate Homes and Properties: October is also a good time to look closely at how properties are maintained. Pay attention to roofs, gutters,
“The best investment on Earth is earth.” — Louis Glickman
“Ninety percent of all millionaires became so through owning real estate.” — Andrew Carnegie, commonly attributed
“A house is made with walls and beams; a home is built with love and dreams.” — Ralph Waldo Emerson, commonly attributed
“Real estate cannot be lost or stolen, nor can it be carried away.” — Franklin D. Roosevelt October
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Applewood Community & Applewood Heights
Where Affordable Living Takes Shape! Friendly, Inviting, Manufactured Housing Community
Located in the Town of New Hartford • 21 Applewood Blvd. Clinton, NY 13323
Fall In Love With Where You Live
No Tax Bills • NYS Star Rebate • Home Mail Delivery Concrete Pad • Public Roads • Garbage Pick Up
315.793.3040 • www.applewoodcommunity.com • Family Owned & Operated
Seasons Change.
What Matters Most Doesn’t. For over 4 decades, my business has been built on trust, communication, and putting my clients first.
Rome $190,000
Ilion $159,000
126 Turin Street 5 Bedrooms | 4 Baths | 3094 Sq. Ft R DE
CT RA NT O C
330 E Main Street 3 Bedroom | 2 Baths | 1639 Sq. Ft. ICE
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Whether you’re buying your first home, making a move, or finding the next place to call home, experience matters.
I’d love the opportunity to work with you.
Lori Hamlin
Herkimer $169,900
111 N Bellinger Street 4 Bedroom | 3 Bath | 1442 Sq. Ft.
New Hartford $189,900 4 Leard Rd 3 Bedrooms | 1 Bath | 872 Sq. Ft.
Calvin Lyon Cell: 315-527-3723 Lic. R. E. Assoc. Broker
clyon@pondrashomes.com
Property Sales and Property Management
LICENSED ASSOCIATE REAL ESTATE BROKER
315.790.0990c | lorihamlin23@gmail.com Lori D. Hamlin - 315.768.1680o | 4848 Commercial Drive, New Hartford NY 13413
Honest • Knowledgeable • Hardworking • Embracing Technology
4
LifeandHomes
Central New York
HOMES & HEARTH REALTY
9 College Street, Clinton, NY 13323 | 315-853-7251
As your local, fulltime real estate professional, I’m dedicated to helping you buy, sell, or relocate. Let’s talk.
55 E. Main Street,
Valerie Duncan
315-868-6924
Geri Simonette-Hendrix
315-868-4833
Michael Steele
315-941-0890
Lic. Assoc. RE Broker
Mohawk, NY 13407
(315) 866-7702
Lic. Assoc. RE Broker
www.CNYValleyRealty.com
Lic. RE Salesperson
Clyde Diedrich/ Lic. RE Broker
315-868-4339
The FALL
CE
W NE
MARKET is still HOT!
FRANKFORT
List with us TODAY!
NEW PRICE- $629,000
Remarkable log home on 4.3 private acres with beautiful panoramic valley views. The architecture blends the timeless beauty of wood with airy spaces full of light- creating a one-of-a-kind interior with unique texture and character. In addition to the 4 bedrooms and 3 baths, the home features an open kitchen and dining area, a full finished lower level with theater room, a recording studio, a vast back patio, an oversized garage and a 1,500 sq. ft. finished pole barn for your work or hobbies. A property that fulfills all your housing desires. Come See it Today
HERKIMER
$99,500
Village Bungalow offering 2 bedrooms, a spacious bath, open living and dining room and a modern kitchen. Plus a full upstairs just waiting to be utilized. LET US SHOW YOU WHAT WE CAN DO!!
PRI
ILION
$95,000
Ilion
$99,500
Middleville
$240,000
Middleville
$270,000
Your home in the Country- offering space, character and potential! Features 4 bedrooms, a bath, living room, dining room, kitchen, and home office. All on a peaceful 2/3 acre lot. A place for your vision to unfold.
Commercial building 3,800 s/ w/ clear span interior. Ready for your next endeavor. Offers 14’ ceilings, a 12’ tall overhead door, updated electric entrance and great visibility, all on 3 acres adjoining the West Canada Creek.
Cozy village home offering three bedrooms, one is on the first floor, a full bath, first floor laundry and an open living - dining area. There is off-street parking for a couple cars and the backyard is private and mostly fenced.
LookingtoGrowyourbusiness?Formermanufacturing building, over 8,000 sq. ft. total with office area, 2 half baths, 7,800 sq ft. working floor space, a break room. 8’, 12’ and 14’ overhead doors, covered loading dock. 400 amp 3 phase electric. Great visibility.
A SUN COMMUNITY
Where Independence Meets Comfort
Save MONEY, LIVE Smarter Central New York’s Premier Active 55+ Community
• Clubhouse & Outdoor Pavilion
• Convenient Location
• Fitness Center & Fitness Classes
• Near Shopping /Entertainment
• Social Activities
• Private 55+ Community
• Private Roads
• And More!!!
1 Cherrywood Circle, Clinton NY | (844) 573-7888 | www.cherrywoodcommunity.com Monday - Friday: 9am-5pm, Evenings and weekends by appointment.
October
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39 College Stree • Suite #3 Clinton, NY 13323
Home.
The American Dream Discover what’s possible in today’s market.
Contact me today! Joanne Zennamo Licensed Associate R.E. Broker
Serving the Mohawk Valley since 1993
C: (315)868-3226 O: (315) 796-0500
315-853-6468 • 315-794-3865
NYS Continuing Education Instructor Certified Buyer Specialist
Joannez@listwithjrz.com
6
LifeandHomes
• Pre/Post Move Cleanouts • Debris Removal • Garage/ Basement/Attic/Barn • Recycling
Central New York
Todd Jury
October
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Pondra Bowen Broker/Owner 315-796-1732
9 College Street Clinton, NY
HUD Broker • (315) 853-7251
Bill Welch Associate Broker 315-738-1421
Michael Teesdale Ernie Sportello Cal Lyon Associate Broker Lic. Salesperson Lic. Salesperson 315-794-7625
315-527-3723
315-525-9561
Mike Rahn Gregory Sacco ABR Angelo Gaetano Brittany Kitchen Lic. Salesperson Lic. Salesperson Lic. Salesperson Lic. Salesperson 315-796-6408
315-264-9014
315-664-2001
315-600-7808
Serving Oneida, Madison & Herkimer County Areas
Residential EATON
W
NE
$180,000
$129,900 WESTMORELAND
ROME
G TIN LIS
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NE
$549,000
WESTMORELAND
G TIN LIS
MUNNSVILLE
R DE
$106,500
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3263 Westland Drive - New beginnings with this framed barndominium awaiting your own interior design. Private setting on 1.08 acres close to Leland pond.2 outbuildings w/ utilities stay in the tiny cottage while completing your dream home. MLS# s1706125
900 West Bloomfield Street - Great potential with this solid 3br,1 bath ranch. This home needs a hug and a hammer and your vision to make it your dream home. Great option for a rehab loan. MLS#s1710521
6657 Fairway Dr. - Unique 30 acre Property! 4 BR, 1BA Farmhouse, 4 stall garage w/ office- Natural Gas Heat, Insulated flooring and spray foam insulation. Shop Floor is heated, steel roof, 5 yr old Boiler. 30x50 Pole Barn approximately 10 yrs old. MLS#S1704492
6050 Shed Road - Well Maintained 2 Family Ranch in Westmoreland Schools. Each Side has 2 Bdrms/1 Bath & could be converted to a Single Family. 2 Great Tenants make this an Income property, or Live in 1 Side & have the other Tenant help with the Bills. MLS#S1699830
5290 State Route 46 - 3BR, 2BA village home offers character, charm, and potential. Beautiful hardwood floors, quality kitchen cabinetry, Corian countertops, & warm tongue-and-groove pine accents throughout. 3 level deck overlooking the park. MLS#S1685107
ROME
ILION
ROME
EDMENSTON
CLINTON
$159,000
$159,000 ICE
$190,000
$189,900
PR W
N 3U
NE
NE
906 Jervis Avenue - Very Large (2340 square feet) Colonial in A Great area of Rome. Large 2-Story Garage, and a Oversized Lot. Needs lots of TLC ! Taxes include Water, Garbage, and Sewer. MLS#S1685067
330 E Main St - Updated 3 BR, 1.5 BA home, Features new roof, flooring & paint, updated kitchen w/ new appliances, formal DR, stained-glass details & pocket doors. Deep lot w/ wooded backyard & easy access to Herkimer, Utica & NYS Thruway. MLS#S1683148
126 Turin St - INVESTMENT OPPORTUNITY! Build or grow your portfolio w/ this fully occupied 3-unit property! Features two 2 BR units & one 1 BR unit, separate meters, garage & leases in place. Potential to separate utilities & increase cash flow. MLS#S1649573
15 Burdick Ave - Well-maintained ranch-style home, easy one-level living on a beautiful double lot. 2BR, 1BA, first-floor laundry, multiple heat options, deck with remote retractable awning. 2 oversized garages. MLS# S1676951
HERKIMER
NEW HARTFORD
WESTMORELAND
SHERBURNE
$169,900
ICE
EW
N
$189,900
EW
N
111 North Bellinger Street - Spacious4-bedroom, 2.5 bath village home, character and versatile floor plan. Fabulous 3rd level 4th bedroom with a den. Relax on the wonderful front porch. A must-see home with an affordable price tag. MLS#S1692660
PR
4 Leard Rd - Well-cared-for, move-in-ready 3-BR, 1-BA home. This one-level home offers a spacious living room and formal dining room. Fantastic rear covered porch, the roof is brand new, the back yard is fully fenced, plus an attached garage. MLS# S1693304
Rt 233 - Great opportunity to bring your Company/ Business to a high-traffic area w/ great visibility. This almost 2 acre, cleared parcel borders both St Rte 233 & NYS Thruway ! It is surrounded by Apex Medical Center, Stewarts, & Dollar General & directly off of Exit 32.
NT AU AR T ES
22 Classic St. - Excellent ppportunity for the energetic/ motivated person. “Turn Key” Tavern/Restaurant in high profile area. This is the “ Only Show in Town “, with only the local Legion for competition. Full kitchen, everything stays! Handicap restroom. MLS#S1566124
Land $42,250
Rome 3 Acres • $28,000
WESTMORELAND ING US T
E AG ER AC
Humaston Rd - Private Parcel for home or hunting. MLS#S149a9281
HO MEN W OP
NE EVEL D
Steuben Place - 11.3 acres in Oneida Castle. 110’ frontage on Steuben Place, perfect for new home. 2 parcels, Steuben Place 3.4 acres, adjoined by 7.9 acre parcel, both parallel with Rt. 5. Some designated wetland in the back . MLS#S1529839
Whitestown water/gas avail. $21,500
Clark Mills Road - 100 x 313 cleared lot. MLS# #S1665686
Seymour Lane- All building lots include a survey and perc test. Public H2o and electric at the road. Excavation avail at discounted rate. •1.05 acre lot, $45,000. •1.04 acre lot $45,000 •2 acre lot (approx.) $75,000corner lot. MLS# S1608915, S1608914, S1608302
Norway $17,000
Rte 8,- Buildable lot, room for well and leachless septic system. 1.05 acres MLS#S1699528
Visit Us at www.PondrasHomes.com www.centralnewyorkhomes.com
LifeandHomes
Central New York
$219,000
R
R/
BA
Building Lot ONEIDA
$199,000
ICE
PR
$479,900 ICE
IT
PR W
8
$269,000
129 Utica Road - Unique property offering residential comfort & business potential. 3-bedroom, 2-bath home. Versatile lower-level w/ separate entrance ideal for home business, professional office, studio, or additional living space. MLS#S1682063
Proudly serving Upstate NY with over 100 years of combined experience! Your Local, FamilyOwned & Operated, Real Estate Hub!
CE
W
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PRI
Frankfort | $160,000 2810 Southside Road - -Spacious 4-bedroom, 2-bath raised ranch on over an acre in Frankfort, offering 2,400 sq. ft. and plenty of potential to update and make it your own. Melissa A. Paquette** 315-723-5584 G TIN
CE
W
NE
PRI
Marcy | $324,500 6447 Glass Factory Road - Spacious 2,000+ sq/ft 4BR, 2.5-bath Marcy Ranch on 2.97 private acres, LR w/ wood-burning fireplace, deck, & 2-car garage. Motivated Seller! Diana P. Raymond* 315-725-4239
W
NE
Ohio | $339,900 998 State Route 365 - Private Adirondack 3/4BR Ranch on 4.29 wooded acres! Relax, explore & enjoy 200+ feet of West Canada Creek frontage. Cabin w/ endless potential. Melissa A. Paquette** 315-723-5584
PRI
Utica | $199,900 402 Richmond Road - Well-maintained North Utica 3 BR Ranch offering easy one-level living, spacious family rm, large backyard, newer metal roof, & solar panels. Must See! Jodie M. DeCosty** 315-723-8554
CE
W
NE
W
NE
LIS
Utica | $230,000 715 Chestnut Street - 4-unit property: 4- 1 BR, 1-bath apartments, long-term tenants, & many updates: New windows, porches & HW tank, Dbl lot, heat & water included/rent. Merima Smajic* 315-272-3730
G TIN
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NE
Vienna | $185,000 2883 Main Street - Welcoming 3 BRs, 2.5 Bath Home w/ roomy interior, Kit w/ Pantry, 1st flr Laundry, 2 porches, deck & Det-garage all on a deep lot bordering Fish Creek. Debra C. Roberts** 315-796-2830
LIS
Westmoreland | $145,000 5720 State Route 233 - Charming, updated Cape Cod with spacious rooms, 2 full baths, & a private backyard. Great location with an attached garage and welcoming front porch. Amy Mellace* 315-725-9186
LIS
Utica | $389,000 703 Court Street - 4-Unit Investment Property w/ (4) 2-BR apartments, separate utilities, many updates, rear parking. Prime location near Wynn Hospital & Downtown Utica. Merima Smajic* 315-272-3730
G TIN
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Rome | $75,900 108 E Embargo Street - Two-family w/ 3BRs each unit offers spacious layouts, off-street parking, & a convenient location—ideal for an owner-occupant or investor. Sold AS IS. Amy Mellace* 315-725-9186
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Westmoreland | $474,900 5201 Creaser Road - Beautiful 3BRS, 2 Bath Colonial Farmhouse features a wraparound porch, Det 4-car garage/workshop, 55 acres & possible private airstrip. A rare find! Lori D. Hamlin** 315-790-0990
October
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`
Call /Text Our Real Estate Staff Email: Lets.Talk.Real.Estate.315@gmail.com
www.Homes.com
www.realtor.com
Erin LaPlante Broker/Owner 315-264-4117
www.WilkesCNY.com
Yvonne Carle Associate Broker 315-727-2800
Bambi Norman Associate Broker 315-225-5181
Say YES today- Move in before the HOLIDAYS G DIN
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PRI W
NE
Blossvale
$279,000
Camden
$95,000
1834 St Rt 69 - 2-story bungalow on almost a full acre. Updated bathroom, 3 bedrooms, screened in back porch. Needs a little TLC. Priced to sell. MLS#S1688787
Camden
Florence
$215,000
Lot 17, 23 Lee Road - Tug Hill Camp on 11.95 acres with all the amenities of home powered by a generator, on the T.C. Riders Snow. MLS#S1675862
$259,900
Camden
$399,900
Camden
$479,900
$255,000
Camden
$129,900
Ava
$469,900
1251 Metott Road- Country Farmhouse on 78.3 acres. Several barns, outbuildings & pastures for all of your livestock, equipment & toys. Spacious 3 bedrooms, 1.5 baths. MLS#S1680883
$649,900
10203 & 10195 Taberg Florence Road - Tug Hill Farm with two houses & 4 barns on 49.3 acres. Beautiful pastures & a pond. Borders 500 acres of Cobb Brook State Forest. MLS#S1685273
Taberg
4571 Yorkland Road - Toss the electric bill in the trash! This one owner home on 10.25 acres is completely solar dependent. You’ll be amazed at the simplicity of the system. 2 bedrooms, 1 bath of easy, country living. Enjoy nature on 1 of 2 screened in porches. MLS#S1674697
9636 Steam Mill Road - 23.9 acre buildable lot. 220 amp service and 110’ drilled well already on-site. One room log cabin with walking trails throughout this beautiful country lot. MLS#S1674521
$389,900
Blossvale
East Ava Rd, Lot 3 - 67.4 Acres of mostly open fields, over 2000’ of River Frontage and a 40’x80’ Pole Barn. Boonville Electric & direct snowmobile trail access. MLS#S1665540
PEN LE
NE
5 Emmons Circle - This turnkey home offers 4 bedrooms, 3 bathrooms, and a beautiful inground pool. Have the convenience of the village but the perks of a quiet, friendly cul-de-sac neighborhood. MLS# S1711367
10983 River Road - Mad River Retreat, 4 bedroom, 2 bath immaculate 2300 sq ft log cabin home on 19.4 acres with over 2000 feet of river frontage. New kitchen with all new appliances, 3 porches and multiple outbuildings. MLS#S1678318
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Camden
PRI
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PRI
Camden
W NE
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43 River Road - PVillage water & sewer without the village taxes! This charming ranch home has 3 bedrooms, 1 bath and attached 2-stall garage all on 1 acre. MLS#S1706385
CE
W NE
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PEN LE
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8484 Mill Pond Way - 2-story colonial home on half an acre with 1976 sq ft of great living space. 5 bedrooms, 2 full baths, modern kitchen with center island. Public water and many updates. MLS#S1683111
G DIN
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PEN LE
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$369,900
8239 Kimball Road - Spacious ranch home with 2760 sq ft, 2-stall garage, on 1.15 acres. 3 bedrooms, 1 bath, large family room, dining room, kitchen, mud room and full basement. Country Living! MLS#S1703595
Ava
$419,900
East Ava Rd, Lot 2 - 70.6 acres of 90% open fields, 10% woods. Ideal country homestead setting with scenic views atop the gently rolling hills. Boonville Electric available. MLS#S1665586
Camden
$479,900
3325 Waldron Road- Beautiful 3 bedroom, 2 bath ranch home with 42.5 acres. This home offers a lot, but the outside is where it’s at. Beautiful property, multiple outbuildings, spring fed bass pond, inground pool with pool house. MLS#S1699096
Florence
$17,900
Hayes Road-3.3 acres of Tug Hill Paradise with 400’ of Road frontage! Located on a town-maintained road and nearby State land & Salmon Reservoir just a 15-minute drive away for fishing & boating. MLS#S1631392 CE
W NE
Camden
$314,900
2428 St Rt 69 - This beautifully maintained Cape Cod home offers warmth and character. 4 bedrooms, 3 baths with a full basement, attached 2 car garage and detached 24’x46’ pole barn. MLS# S1711006
Sylvan Beach Area
$89,900
State Route #13 & McClanathan Ave-Great Corner Parcel-Two lots for the price of one! Just over the village line from Sylvan Beach. Public utilities available with a choice of which street to place your driveway! MLS#S1597599
Camden
$975,000
2076 Hillside Drive - Hilltop Horse Farm on 63.9 acres! Fabulous home with 3 finished floors. Huge horse barn with stalls & an indoor riding arena that’s 68’ x 136’ with fencing & pastures. So much to see here on this not thru traffic road. MLS#S1591767
Westdale
$219,900
Lot # 16 Westdale Road-Spacious seasonal 1200 sq. ft. cabin on over 6 partially wooded acres! Unique look out above the 2nd floor that is a shooting, reading or coffee nook & the entire cabin has excellent craftsmanship. MLS#S1611517
CE
W NE
Camden
$429,900
2304 Hillsboro Rd - Beautiful 4,500 sq ft home with 3 bedrooms and 3 baths. Love to entertain? This home sits on 5 acres, has a dream kitchen and a large 40-foot living room for all your guests. MLS# S1710777
10
LifeandHomes
Camden
$19,000
17 Voorhees Ave - .25 acre Village lot with public water, public sewer, power, internet available at the street. MLS#S1666049
Central New York
Amboy
PRI
Camden
$134,900
Lot #19, Lee Road - Turnkey, Off-Grid, Seasonal Cabin with 20 acres on a seasonal road. Located on the T.C. Riders Snowmobile Trail System and amongst 1000’s of acres of the 46 Corners State Forests. MLS#S1697795
LD SO
PRI
$439,900
1840 County Route 17 - Beautifully renovated 3 bedroom, 3 bath country retreat on nearly 8 scenic acres. Rustic charm with modern comfort. The barn has 3 box stalls, tack room & hayloft, two paddocks with fenced pastures. MLS#S1703711
Camden
$269,900
52 Elm St - This home is located in the village with a neighborhood setting. Offering a double lot yard, 4 bedrooms, 2 baths, and a perfect screened in porch for your morning coffee. MLS# S1709234
Ellisberg
$54,900
9697 Clark Road- Nearly new 2-year-old cabin that needs to be completed but has a great start & wellconstructed, near the “Look Out” & one of the Lake Ontario State Parks for Flat water canoeing & kayaking just across from Montario Point Road. MLS#S1626824
October
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NEW HARTFORD OFFICE
5 Oxford Road New Hartford, New York 13413
Dominic Pavia President
Lic. Real Estate Broker
SYRACUSE OFFICE
(315) 736.1555
151 Northern Concourse, Suite 2 Syracuse, New York 13212
(315) 736.1555 • www.PaviaRealEstate.com
SPECIALIZING IN COMMERCIAL REAL ESTATE
Brian D. Snow
John Jweid
Lic. Assoc. R.E. Broker
Lic. Assoc. R.E. Broker
Patrick V. Agen
Lic. Assoc. R.E. Broker
Carole Iseneker
Lic. Assoc. R.E. Broker
Kevin M. Valenti
Lic. Assoc. R.E. Broker
Joya Valenti
Lic. Assoc. R.E. Broker
Christopher Flynn
Lic. Assoc. R.E. Broker
TWO TEAMS FOR ALL YOUR REAL ESTATE NEEDS NEW HARTFORD OFFICE
5 Oxford Road New Hartford, New York 13413
Santina “Tina” Pavia
Lic. Real Estate Broker
(315) 736.1555
SYRACUSE OFFICE
151 Northern Concourse, Suite 2 Syracuse, New York 13212
RESIDENTIAL DIVISION
Sabrina Arcuri
Rosemary Talarico
Aileen Baile
Lic. Assoc. R.E. Broker Lic. Assoc. R.E. Broker Lic. R.E. Salesperson
12
LifeandHomes
Central New York
Luke Toukatly
Lic. R.E. Salesperson
Samantha Madderom Lic. R.E. Salesperson
Amber Platt
Lic. R.E. Salesperson
Natasha Brutsky
Joya Valenti
Lic. R.E. Salesperson Lic. Assoc. R.E. Broker
Julia Cusworth Mickey (Mevludin) Heljic
Lic. R.E. Salesperson
Lic. R.E. Salesperson
New Homes Modular Co
Phone 315-891-3254
Middleville - 2 Building Lots - 6+ Acres & 5+ Acres - From $59,900
LARGE CUSTOM RANCH HOME • Master Suite • 3 Bedrooms/ 2 Baths • Oversized Kitchen • Pantry • Laundry • Dining Room • Great Room
Delivered & Set On Your Foundation $205,000
VACATION RANCH HOME
• 2 Bedroom / 2 Bath • Kitchen • Dining Room • Living Room • Mud Room • Laundry
Delivered & Set On Your Foundation $154,900
It’s Simple, We Beat All Our Competitor’s Prices
“Best Homes at the Best Prices” • A Higher Quality Home • More Upgraded Features • Better Specifications
We can give you better specifications, more upgraded features, a higher quality home and we can do it all for less money
“Stick Built Modular Homes” Bring Us Your Best Deal We Will Beat It Special Prices! 3BR 2BA Upgraded Ranch $159,900 • Small 2BR 1BA Ranch $125,900 LY MI
-FA LTI
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2645 Dunham Road, Utica
$349,000
6 Bedrooms | 3 Baths | 2,380 Sq. Ft.
233 1st Avenue, Frankfort
$229,000
4 Bedrooms | 1.5 Baths | 1,520 Sq. Ft.
5579 Valley Road, Whitesboro
$215,000
4 Bedrooms | 2 Baths | 1,792 Sq. Ft.
O ND
CO
$550,000
7355 McAdam Road, Deansboro 6 Bedrooms | 5 Baths | 3,768 Sq. Ft.
$240,000
10 Foery Drive, Unit 402, Utica 2 Bedrooms| 2 Baths | 1554 Sq. Ft.
$285,000
514 Higby Road, New Hartford 2 Bedrooms | 2 Baths | 1,384 Sq. Ft.
October
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LifeandHomes
Central New York
LifeandHomes
™
Front Cover Featured Home
4,000 Sq. Ft. of Perfection!
10537 Doyle Rd, Oneida
$1,100,000
5 Bedroom | 3.1 Baths | 4000+ Sq. Ft. Beautiful Deer Run subdivision is an exclusive enclave with no through traffic located just minutes out of the city! Spectacular 5+/- year-old transitional showplace with over 4000 square feet of perfection! With high style design, light flooded rooms and a feeling of endless space, you’ll fall in love with a home that stands out! Voluminous fireplaced great room ties everything together with a show stopping kitchen and an extra large island and dream pantry. First floor primary suite with lavish, en suite bath. All four bedrooms are spacious with California closet system. Lower level family entertainment area has to be seen!!! Home theater, additional kitchen, gym, bedroom and full bath, this space has unlimited possibilities! A three car garage, beautiful lawn with playground and lots of room.
Contact John Brown at 315-570-6640 to schedule your private viewing. 315-570-6640
Offices in Utica • Rome • Ilion
2811 Genesee Street Utica, NY 13501
October
john@ johnbrownsells.com johnbrownsells.com w w w.L ifeandH om es .com
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LifeandHomes
™
Howard Hanna
FA L L I S A
GREAT TIME to Sell!
Thinking about listing your home? The market doesn’t stop after summer — and serious buyers are still looking.
Caroline E. Marino
Licensed Associate R.E. Broker • Branch Manager Utica / New Hartford Office
C:315-404-7380 • CarolineMarino@HowardHanna.com
141 Genesee St., New Hartford, NY
Real Estate
On Point & On Purpose Focused Strategy. Thoughtful Guidance. Results That Reflect Your Vision. Whether Buying or Selling, I’m Here to Make Your Next Move Seamless, Successful, and Aligned With What Matters Most To YOU.
www.AzzaGiorgi.HowardHanna.com
2025 National Sales Excellence Award RealTrends Verified 2026
141 Genesee Street, New Hartford, NY 13413 16
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Central New York
LifeandHomes
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Howard Hanna
NO TRICKS,
e h t t s u J s s e r d d A Right Whether you’re buying, selling, or simply wondering what your home is worth, I’m here to help make your next move a little less scary.
Whether Buying or Selling…
er t p a h c t x e n Let ’s find your Susan Schwartz Alberico
“Let My Background Move You Forward!”
LE
SA
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Licensed Real Estate Salesperson 141 Genesee St, New Hartford, NY 13413 Email: SAlber7740@aol.com Cell: (315)723-0892
Advanced Home Inspection Service LLC
ICE
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29 YEARS EXPERIENCE INSPECTING HOMES Utica - 5 Lower Woods Road S.
$429,900 Whitesboro - 150 Main Street
$254,900
3 Bedroom | 3 Baths | 2,487 Sq. Ft.
4 Bedrooms | 3 Baths | 2,180 Sq. Ft.
Beautiful New Hartford home. Open concept with updated kitchen, Quartz counters, family room with gas fireplace, first floor master suite, 2 stall garage.
Circa 1890s home, beautifully renovated throughout. Hardwood floors, first floor bedroom or office with full new bath, fully applianced kitchen. All major upgrades done.
CALL MARK TODAY TO GET
YOUR SOLD SIGN!
Mark S. Canter
Licensed Associate Real Estate Broker
315-794-3452 141 Genesee Street, New Hartford, NY 13413
www.howardhanna.com
Don Archer Call 315-792-9029
www.advancedhomeis.com October
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Bird’s Marine and SALES • SERVICE • STORAGE BIRD’S Bird’s Adirondack Real Estate 2730 Route 28, Old Forge, NY 13420 • birdsadkrealestate.com
“Own A Piece of The Adirondacks!”
PARTY BARGES AND BOATS OUTBOARD MOTORS
Parts, Props & Tubes
adklands@frontiernet.net * birdsmarine.com
VENTURE
TRAILERS INC
• Venture Boat Trailers • EZ Dock dock systems We are specialists in the Raquette Lake and Old Forge community. If you are looking to buy or sell a home in our area, you’ve come to the right place! Knowing our unique community is an important aspect when choosing someone to work with, and we will deliver you results! Let us give you the guidance and support that is needed throughout your entire buying or selling experience. Call 315-369-2136 today.
Call today for complete listing details. 315-369-2136
Howard Hanna Real Estate Services 102 W. Seneca St. Ste.110, Manlius 59 Albany St, Cazenovia
est
ng ons sition uine
BIRD’S MARINE Rt. 28, Raquette Lake, NY 315-354-4441
Rt. 28, Old Forge, NY 315-369-2136
Serving the Adirondacks for over 80 years
Pamela "Pam" Washbon Realtor ®
Guiding Central NY through life's biggest moves.
Helping seniors, empty nesters, growing families, new parents, military relocations & first-time buyers through every transition with personalized marketing and genuine support.
Let’s plan your next chapter together.
Call or Text: 315-256-8417 E-mail: PamelaWashbon@howardhanna.com 18
LifeandHomes
Central New York
Robert Lawless www.LawlessRealEstate.com 11254 State Route 12, Boonville, NY
Real Estate Broker
O: (315) 724 -7474
Katarena LaFave
Jennifer Hill
Sandra Hoyland
C: (315) 335-7110
C: (315) 725-1401
C: (315) 269-3658
RE Associate Broker
10123 Starr Hill Road, Remsen $200,000 Tucked in the foothills of the Adirondack Mountains in upstate New York, this one truly captures the serenity of the heart, offering simple, comfortable living in a 720 ft² total open-concept ranch, set approximately 300 feet back from the road on 5.62 acres with apple trees, blueberry bushes, and a quiet countryside feel. The home features an attached garage and two additional pole barns for storage or projects: Pole Barn One (24’ x 32’) and Pole Barn Two (20’x 28’), making it truly a place everyone dreams of when they think “home.
Listed by Lisa Anken
9173 Fraser Road, Steuben • $639,000
149 Bearview Drive, Remsen • $460,000
RE Salesperson
RE Salesperson
Lisa Anken
Chad Burdick II
C: (315) 794-6520
C: (315) 749-6230
RE Salesperson
RE Salesperson
110279 Old St. Rte. 12, Remsen • $389,900
200 Bearview Drive, Remsen • $659,000
6 Bedrooms | 3 Bathrooms | 29 Acres Listed by Katarena LaFave
2 Bedrooms | 2 Bathrooms | Brand NEW Cabin Listed by Katarena LaFave
This spacious 2 story home offers endless possibilities for relaxation, recreation and even a hobby farm, with its classic barn ready for your animals or projects. The interior features a large living room & spacious kitchen complete with new appliances. Recent updates include Barn Stabilization & X-Bracing, Generator, Newer Furnaces and more. Remsen School District.
A beautifully furnished, new cabin nestled at the end of a private cul-de-sac in the foothills of the Adirondacks. Whether you’re looking for a year-round residence, a seasonal getaway, or an income-producing vacation rental, this exceptional property offers the perfect blend of comfort, privacy, and recreation. Located just minutes from Hinckley Reservoir and the Hinckley Boat Launch.
11224 Countryman Rd, Remsen • $199,900
8246 Edwards Road, Floyd • $390,000
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5 Bedrooms | 2 Bathrooms | 18.87 Acres Listed by Lisa Anken
2 Bedrooms | 2 Bathrooms | Established Airbnb Cabin Listed by Katarena LaFave
3 Bedrooms | 2 Bathrooms | 1.86 Acres Listed by Robert Lawless
5 Bedrooms | 2.5 Bathrooms | 4.8 Acres Listed by Katarena LaFave
This exceptional property offers the perfect blend of privacy and accessibility, featuring a pool, a pond, 18.87 acres, & an immense 32’x 80’ garage, with 14-foot garage doors, radiant floor heat, overhead hot water heating, & electric provides endless possibilities. T his spacious Cape Cod is nestled in the beloved Holland Patent school district & the serene setting of Steuben Valley yet minutes from local amenities.
A distinctive cabin retreat offering the perfect blend of rustic charm, modern comfort, and recreational convenience. The inviting interior provides a warm and comfortable setting for relaxing after a day spent enjoying the outdoors. Located just down the road from the Hinckley Public Boat Launch. This property offers an excellent opportunity for those seeking a vacation getaway, second home, or investment property.
Escape to this charming camp in the foothills of the Adirondacks near Kayuta Lake. The property offers a spacious loft, open living and kitchen area with plenty of room for family and guests. An expansive deck provides the perfect setting for relaxing. Additional features include a drilled well, electric baseboard heat, and a septic system installed in 2019.
This property offers a functional open-concept layout with a seamless flow between the kitchen and living area, creating an inviting space for everyday living and entertaining. Designed for year-round comfort, the home features both a wood stove and a pellet stove as supplemental heat sources, a 2-car garage, a large barn, and an additional storage shed. Holland Patent Schools.
11338 Rt 12, Boonville • $299,900
171 Ash Creek Road, Ohio • $424,900
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11539 State Route 28, Forestport $695,000
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4 Bedrooms | 1 Bathroom | 10.79 Acres Barn 40x65 | Garage 26x39
Commercial Opportunity | 5 Acres Listed by Katarena LaFave & Robert Lawless
2 Bedrooms | 1 Bathroom | 29.80 Acres | Large Polebarn Listed by Katarena LaFave
Dreaming of owning your own Christmas tree farm or searching for highvisibility commercial space along one of the region’s busiest corridors? This rare 5-acre property on St. Rte. 12 offers endless potential & unmatched exposure, w/ thousands of cars passing by every single day.Tree farm is fully fenced in w/ 663 trees. Owners are willing to remove trees. Ideal location for seasonal retail, agricultural ventures, a contractor shop, or your next business expansion.
Whether you’re searching for a year-round residence, recreational retreat, or hunting camp, this property offers the perfect blend of comfort and outdoor adventure. A spacious pole barn provides ample storage for equipment, recreational vehicles, and outdoor gear. Enjoy the warmth and character of a true log home, complete with select log furniture included in the sale. Walkout basement, Poland Schools.
225 Lite Road, Forestport • $189,000
13 Glendale Avenue, Whitesboro • $349,900
This striking Colonial-style property offers the space, outbuildings, and flexibility that are increasingly hard to find. A detached two-stall garage offers abundant storage and workspace, along with a substantial barn ready to support a variety of uses subject to local regulations and buyer verification. The expansive acreage creates opportunities for recreation, equipment storage, hobby pursuits, or simply enjoying additional outdoor space.
Listed by Robert Lawless
9248 Main Street, Westernville • $239,900
We have buyers looking for a home like yours!
23.02 Acres | 30x40 Polebarn | Electric & Septic Listed by Katarena LaFave
3 Bedrooms | 2.5 Bathrooms | New Hartford Schools Listed by Lisa Atken
3 Bedrooms | 2 Baths | 1560 Sq. Ft. Listed by Lisa Atken
Located inside the Adirondack Park on a year-round maintained road, this land offers the rare blend of true seclusion with everyday convenience. Existing ATV and snowmobile trails wind throughout the acreage. At the center of the property stands a 30’ x 40’ garage with metal roof and three thoughtfully designed access points. Trailer hookups give you flexibility for seasonal or year round use.
Fabulous Cape Cod in the New Hartford School district. It’s superiorly centrally located & close to everything, yet it still manages to feel unbelievably secluded. The first floor consists of the primary bedroom with a large walkin closet, convenient first floor laundry, a small office along with a stunning open-concept living room. Incredible 600-square-foot private back deck, 6-person hot tub, awesome bar/shed area.
Beautifully updated home in the heart ofWesternville. If you’ve been searching for the timeless charm of an older home without the worry of major repairs, this is the one you’ve been waiting for. Extensively renovated, this home features a new septic system, new roof, new windows, new flooring, and a new furnace, along with numerous additional improvements that provide peace of mind while preserving its original character and warmth.
October
List with Lawless
Your Local Experts! w w w.L ifeandH om es .com
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LifeandHomes
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Fulton/Montgomery
Southern Adirondacks
Properties Are My Speciality! Adirondack Lake Homes, Land & Business! You’re not just buying an Adirondack property you’re buying a lifestyle. As a Southern Adirondack specialist, I’ll use my professional expertise and lifelong knowledge of the area to ensure you get the best possible deal.
Choose the #1 Real Estate Office in Caroga Lake. Call today! Office: 518-835-ADKS (2357) or Cell: 518-705-5616
518-835-ADKS (2357) www.ADKSrealty.com Email: mel@adksrealty.com 2144 State Hwy. 10, Caroga Lake, NY 12032
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MaryEllen Charles, NYS Licensed RE Broker/Owner Cell: 518-705-5616
LifeandHomes
™
Fulton/Montgomery
Gateway to the Adirondacks! We’re a Sportsman’s Paradise! Gateway to the Adirondacks! We’re a Sportsman’s Paradise! Featured Property
STEWART’S LANDING ACREAGE & HOME
11+ acres of Woods and WATERFRONT! Beautiful 3BR/2BA Chalet, Open Loft for extra living space. Soaring ceiling in great room! Wrap around deck! Enjoy your Adirondack Escape overlooking the waterfront! Full high poured walk-out bvasement. Oversized 2 Car Garage with finished space above. Borders STATE LAND! $739,900
REDUCED
Deeded Access to West Caroga Lake!
Exceptional Custom Designed New Home! 3BR/2BA. Custom designer kitchen, 9 ft ceilings in Great Room! Pantry, solid maple flooring, 2 laundry rooms, Full basement, attached high-clearance heated garage. Too many FINE FEATURES TO LIST $430,000.
NEW! Spacious Year-Round Home In Caroga Lake!
3 BR/2BA, many updates, big deck with peeks of E. Caroga Lake. Huge garage with extra room above. Walk to deeded lake access. $375,000
REDUCED
FALL SPECIAL!!
On a dead end road, surrounded by forest 2 Bedrooms, open living & dining room. Join the East Caroga Association to Get on the lakes! $139,000
3 BR, 1 Full bath w/tub! 2 living rooms! Year-round use from this home! Walk to deeded access! $235,500
REDUCED
LAND!
REDUCED
NEW!
REDUCED
W. Caroga lake access from this cute home! 2BR/1BA with lots of open space inside and out! Beautiful fireplaced living room!
44.5 Acres Stratford – APA OK to build! Town Road, phone, internet at the road. $125,000
Glamping! All set up to GET AWAY!
Adirondack Log Home on 19.5 Private Acres
Handcrafted Scandinavian scribe-style log home on 19,5 acres of Adirondack forest. Built with native white pine logs cut on-site, featuring a stone foundation, open kitchen, and dining area, fireplace with wood stove insert, 2+ bedrooms, 2 full baths, and two garages. Enjoy privacy, rustic elegance, and serene forest views. Perfect for year-round living or a peaceful retreat. $389,000
Coming Soon!!
Rustic year round get-away!
East Caroga Lake access! Plenty of privacy on a large lot.
NEW WELL! Darling 2BR/1BA Fully Furnished! Walk to Deeded access on East Caroga Lake, Everything stays so you can come enjoy Caroga Lake! $152,000
2 RV’s with Solar and Generator. Stratford! 4x4’s snowmobiles All OK! Your own private Camp ground! $58,000
REDUCED
In the Avenues
Year round living! 2BR/1BA, laundry room! Open living, dining and kitchen, Short walk to deeded beach on East Caroga Lake. Now $239,900
Gloversville! South End of town!
Great area! Nice 3BR 1 Bath, lots of new! Roof, windows, bathroom, kitchen, hardwood floors. Now $165,000
WANT TO SELL? CALL MEL!
New Listings Coming! Check the Website www.adksrealty.com 518-835-2357
October
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Replacement Cost vs. Market Value: What Homeowners Need to Understand
What your home is worth and what it costs to rebuild it can be two very different numbers. Homeowners may be surprised when the amount of insurance on their home doesn't match its current market value. Mercury Insurance says the reason is simple: homeowners insurance generally focuses on what it could cost to rebuild the home, not what someone might pay to buy it. "Market value and replacement cost measure two very different things," says Adam Bakonis, Director of Property Product Management at Mercury Insurance. "Market value reflects what a buyer may be willing to pay for a home and the land it sits on. Replacement cost focuses on what it could take to rebuild the physical structure after a covered loss. Those numbers aren't expected to move together." What Is Market Value? Market value is the estimated amount a home could sell for under current real estate conditions. It can be influenced by factors that have little or nothing to do with the cost of rebuilding the house, including: • Location and neighborhood desirability • School districts • Lot size and land value • Local housing supply and demand • Interest rates and broader economic conditions • Proximity to jobs, transportation, shopping and other amenities In a competitive housing market, those factors can push a home's selling price well above its estimated reconstruction cost. In other markets, rebuilding the home could cost more than its current market value. What Is Replacement Cost? Replacement cost is an estimate of what it would take to rebuild a home using materials of similar kind and quality at current prices. Unlike market value, the calculation does not include the value of the land. Instead, rebuilding costs can be affected by factors such as: • Current construction labor rates • Lumber, roofing, concrete and other material costs • The home's size, design and construction type • Interior finishes and built-in features • Debris removal and site preparation 22
LifeandHomes
Central New York
• Local building codes and permitting requirements • Demand for contractors and materials, especially following a major disaster "Homeowners sometimes see their dwelling coverage and compare it with an online real estate estimate or a recent appraisal," Bakonis says. "That can create confusion because they're comparing two numbers designed to answer completely different questions. One estimates what the property may sell for. The other helps estimate what it may cost to put the home back together." Why Rebuilding Can Cost More Than You Think Rebuilding a home after a major loss is different from building dozens of homes as part of a new development. A contractor may have to demolish damaged portions of the structure, remove debris, work within an existing lot and meet current building requirements. Costs can also increase after a widespread disaster. When many homes in the same area need repairs or reconstruction at once, demand for contractors, skilled labor and building materials can rise. Changes to building codes can add another layer. A home built decades ago may have to be reconstructed to meet today's requirements, which can affect the overall cost of rebuilding. "Coverage options such as Additional Replacement Cost and Ordinance or Law can help homeowners prepare for rebuilding expenses that may go beyond their standard dwelling coverage," says Bakonis. "Additional Replacement Cost can provide extra protection when rebuilding costs exceed the dwelling limit, while Ordinance or Law coverage can help with costs associated with meeting current building codes and requirements." Why Your Coverage Amount Can Change Even If You Haven't Remodeled Homeowners may also notice that their dwelling coverage changes from one policy term to another even when they haven't made major improvements. Construction costs change over time. Labor, materials and other rebuilding expenses can increase independently of the home's real estate value. Insurers
may adjust estimated replacement costs periodically to help account for those changes. But these automatic adjustments cannot account for everything. That makes reviewing a homeowners policy important, particularly after significant improvements. "If you remodel a kitchen, add square footage, finish previously unfinished space or make another substantial improvement, let your insurance agent know," Bakonis says. "Your insurer can't account for changes it doesn't know about. A quick conversation can help make sure the information being used to estimate your rebuilding cost better reflects the home you actually have today." What Homeowners Should Review Homeowners don't need to become construction-cost experts, but they should periodically review their policy and the basic information used to describe their home. Check that the insurer has accurate information about the home's square footage, construction type and major features. Tell your agent about significant renovations, additions or upgrades, and ask questions if the dwelling coverage amount is unclear. Homeowners know their homes better than anyone else. An insurer's replacement cost estimate is an important starting point, but it may not capture every feature, finish or rebuilding consideration. If homeowners believe they need more coverage, they should ask their agent whether increasing the dwelling limit or adding available coverage options is appropriate for their home. Most importantly, don't assume a home's sale price is the amount it should be insured for. "Your home is both a piece of real estate and a physical structure, but insurance and the real estate market look at it through different lenses," says Bakonis. "Understanding that distinction can make your homeowners policy much easier to understand and help you have a more productive conversation with your agent about your coverage." For information about these and other topics related to home value, visit the Mercury Insurance Resource Center. ( prnewswire.com)
LifeandHomes
™
Product & Service Directory
Advanced Home Inspection Service LLC
Renovating Too Expensive? Ask about our custom-built modular home options. Manufactured homes available for the budget-conscious. Call Dave or Cindy for more info.
315•841•8700
Call 315-792-9029
379 Stafford Ave Waterville NY
kdhomesny.com
www.advancedhomeis.com
• Pre/Post Move Cleanouts • Debris Removal • Garage/ Basement/Attic/Barn • Recycling
Celebrating over 100 Years
510 Bleecker Street, Utica NY 13501 (315) 733-0455 • Fax (315) 733-4301
Serving the Mohawk Valley since 1993
www.CalliLaw.com
Todd Jury
315-853-6468 • 315-794-3865
William S. Calli, Jr.
In the Old Forge/Inlet Area, Call: (315) 369-2267
Your gift in any amount could mean someone’s
new beginning.
All mums are grown here at the farm!
Mum 8” 4/$28 or $8 Benson’s Farm & Garden 8400 Clark Mills Rd, Whitesboro
315-520-8395
Give Generously uticamission.org
www.facebook.com/bensonsfarmandgarden Monday - Friday 9 to 6 | Saturday 9 to 5 | Sunday 9 to 4 only 9/13 to 10/11
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