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ril 27,201359 W. Main St., Canajohariewww.krutz-properties.com

RESIDENTIAL - COMMERCIAL

FARMS - INVESTMENTS - ACREAGE

883: CANAJOHARIE: Cape Cod home w/ 4bedrooms and 2 baths. New kitchen, hardwoodfloors, 18' above ground pool & large back deck.Almost 1,700 sq. feet. Makes for plenty of room . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$109,900

880: OPEN HOUSE SUNDAY, MAY 5TH 11-1

PM 39 Nellis Street, NELLISTON: Ranch stylehome on a double lot w/ views. 3 bedrooms, modernkitchen, 3 season room, finished family room inbasement & large deck. 2 stall attached garage,central air & hardwood floors . . .Asking $118,000

978: ORISKANY: COLEMAN MILLS RD -Oneida County is the location of this 162 acre parcel.4 Bedroom home, large kitchen and living room. 2garage. Outbuilding. Pole Barn with 16 x 24 heatedshop. Christmas trees, woods and open fields makeup the 162 acres. Part of property is along SutliffRoad and is zoned commercial . . . . . . . . .$675,000

954: Palatine Bridge: Cape Cod home located ona quiet street w/ southern views. 3 bedrooms, din-ing area, and eat-in kitchen. Full basement and 2stall detached garage. . . . . . . . . Asking $98,500

153: NEW LISTING: 2-story, 4 bedroom homesits on 1.4 acres in Ephratah. Home is charmingand well maintained. Features country kitchen,sliding glass door, ceramic tile, & wood floors.Johnstown School . . . . . . . . . . .Asking $135,000

134: CHERRY VALLEY: Lovely 2-story, 3 bed-room, 2 1/2 bath home. Eat-in kitchen, formaldining room, living room & garage. Beautifulhardwood floors throughout home. Locatedminutes from Cooperstown . . .Asking $219,900

592: CAROGA - Custom built house on about 4acres. LR w/ fireplace, dining area, loft and gasstoves. Beautiful location. Not far drive to CanadaLake . . . . . . . . . . . . . . . . . . . . . .Asking $89,000

953: V/O Canajoharie is this lovely home w/unique features throughout. Beautiful DR & LRw/ wood floors. Fireplace w/ gas insert. Eat-inkitchen, 4 bedrooms & 2 full baths. 2 bedroomson first floor. Garage, porch & yard . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Asking $95,000

237: Enjoy your morning coffee from this home'samazing porch! Grand home w/ lots of space &tastefully renovated. Great kitchen, FDR, 4 bed-rooms & 2 1/2 baths. V/O Canajoharie . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Asking $149,900

594: Absolutely stunning property! Victorian stylehome high ceilings, open staircase, hardwoodfloors, formal living rooms, formal dining rooms& many nooks & crannies. This home is a duplex.Ideal set-up for the in-laws. Heated garage w/office. V/O Fort Plain . . . . . . . . . . . . . .$125,000

595: SHARON SPRINGS: Bright, open 1st floorof this house has tile flooring, hardwood floors &an amazing kitchen w/ granite counter tops andgreat room w/ fireplace. Full bath on 1st & 2ndfloor. 5 bedrooms. Landscaped yard w/ gazebo.1.1 acres . . . . . . . . . . . . . . . . . .Asking $285,000

597: Colonial home w/ private setting and view ofthe Cherry Valley Mountains. Circular drive leadsto this custom built home. 4-5 bedrooms, 3 1/2baths, sunken FR w/ granite fireplace, gorgeoussunroom overlooking mature landscaping & in-ground pool. T/O Palatine 5 acres . . . . .$225,000

879: FONDA: Great 2 family or changeit back into a 1 family. Currently owneroccupied. Total of 3 bedrooms. 2 stallattached garage. Front porch. Nicehome! . . . . . . . . . . . . . . . . . . . .$69,900

1006: Horse Farm w/ fantastic 119 acres.Main Barn 25x100 w/ 11 stall totally ren-ovated. 4 additional stalls at the rear ofbarn. Heated office, feed room & tackroom. 24x70 garage, 2 10x20 run insheds, machine shed, garden shed &25x50 garage. Remodeled 4 bedroomhome. Canajoharie . . .Asking $475,000

907: FORDSBUSH ROAD T/O MIN-

DEN: Large country home w/ 6 bed-rooms & 2 baths. Large barn & pond.11.5 acres. Total 2 parcels . . . . . . . . . . . . . . . . . . . . . . . . . . .Asking $199,900

753: Fort Plain. Come take a tour of thishistoric Victorian home; you will feel asif you have stepped into the past.Fireplaces, grand entry, stained glass,original woodwork & more. 4 bedrooms,den, formal dining room & living room . . . . . . . . . . . . . . . . . . .Asking $139,900

131: A Spectacular Tudor w/ scenic viewson 157 rolling acres & some woods (moreland available). Certified organic tillableand & pond. Fine craftsmanship of themarled fireplace. Stained glass transombeamed ceilings, Cherry paneled foyer, den,beautiful staircase & French doors leadinginto the LR & library area. T/O Stark - 20mins. to Cooperstown . . . . . . . . .$560,000

RRREE AA LL EESS TTAATT EE GGUU II DD EESupplement to the Original Valley Pennysaver and the DollarSaver

Produced by Lee Publications • 6113 St. Hwy. 5 • Palatine Bridge, NY 13428 • 518-673-3237 • 800-218-5586 • www.leepub.com

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Microbrewery, Art Studios, Woodshop,Your Dream

100+ yr old former feed mill

Forr salee byy owner$159,000 1122 Kossuth Ave., Utica

Live where you work, currently art studios.

Recently renovated, new boiler, electric plumbing,insulation. Amazing wood interior.

2nd floor Residence; 3br, 2b 3,200 sq. ft. residence 4,000+ sq. ft. first floor, full basement, 3rd floor

storage & attic, 2 loading docks & attached garages.

Contact 315-525-7299 for details

After years of funny financing and few limitations on loans, banks and other lenders have tightened uptheir lending policies. As a result, homeowners considering a home improvement project might need tolook elsewhere to secure financing.

There are no certainties in the real estate markets. Though statistics suggest marked improvement inhome sales over just a few months ago, many homeowners remain weary about selling their home totry to move up to something bigger and better. The National Association of Home Builders says manypeople are choosing to stay put in their homes and remodel or make renovations to transform thehouse into something more comfortable.

While there are many worthwhile home renovation projects, the NAHB recommends projects that bringyour home up to par with the neighbors'. It doesn't pay to transform your home into the most expensiveon the street -- unless you plan to live there for the rest of your life. Real estate experts recommendthat a remodeling investment increases the value of your house by no more than 10 to 15 percentabove the median sales price in your neighborhood.

When it comes time to finance a remodel or renovation, you may not know where to start. Creditrestrictions on home mortgages that have troubled many would-be buyers have also plaguedindividuals looking to finance home improvements. However, homeowners hoping to finance a projectdo have options, and not all of them require stellar credit ratings.

• Borrow against a retirement plan. Many retirement plans, such as a 401(k), allow plan members totake out a portion of the savings to put toward a home loan. This does not mean you are taking moneyout of the account permanently. Rather, you are borrowing against yourself, with repayment necessaryin a certain timeframe. Because these loans often offer very low interest rates, and essentially theinterest is being paid back to you, they might be a good option for men and women who cannot securea traditional loan. However, if you have been laid off, there may be a shorter repayment period. Also, theinterest on these loans is not tax-deductible.

• Borrow against other investments. CDs, bonds or mutual funds can provide the collateral you needand earn you a lower interest rate. Fixed-income investments are more stable options to borrowagainst, as their value won't have a chance to decline.

• Apply for a home equity loan. Many people have heard of a home equity loan, and it is usually thefirst choice when borrowing funds for renovations. Essentially a home equity loan is taking out asecond mortgage on your home to pay for the work you want to have done, which is based on the

equity, or the difference between the home's fair market value and the outstanding balance of all lienson the property. The interest on these loans is tax-deductible, which can make this financing optionquite popular.

• Secure a home equity line of credit. A home equity line of credit, or HELOC, is another type ofhome equity loan. Instead of receiving a lump sum to use toward renovations like you would with atraditional home equity loan, a HELOC is sort of a credit card type scenario based on the equity in yourhome. You are given a line of credit, against which you can buy items. This is good for intermittentneeds, when one large sum is not needed. HELOCs have a draw period, during which the borrower canuse the credit, and a repayment period, during which it must be repaid. HELOCs generally have lowermortgage fees at the start and are generally subject to the same tax incentives as regular home equityloans.

• Consider refinancing. Interest rates on mortgages are at historic lows. You may qualify to do acash-out refinance, where you borrow against the value of your home and create an entirely newmortgage at the lower rate. Although you will start your mortgage all over from day 1 and have to payclosing fees, this type of refinancing can be more advantageous to homeowners with significant equityin their homes.

• Apply for a government-sponsored loan. The government may offer programs aimed at helpingindividuals who are underwater on their home loans borrow money to make necessary improvements.While the funding cannot be used to purchase luxury items, such as a swimming pool, it can be usedfor necessities. Residents of the United States can explore FHA 203(k) refinance options and an FHAtitle 1 improvement loan.

• Discuss financing with your contractor. Some contractors may offer financing. Keep in mind thatthe interest rates may be high, and it may be difficult to investigate the security of these types of loans.

Many homeowners also look to credit cards to help finance some home renovation projects, but theyshould be used as a last resort. Credit cards typically come with high interest rates, and while they aregood for some small projects, financing larger projects on a card may land you very deep in debt.Homeowners who choose to stay in their homes and make renovations have a host of options at theirdisposal to finance those projects.

Financing a home improvement project

Many people use their credit cards to finance renovations,but there are better options.

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(MS) -- A dream home means different things to different people. To some, an ideal home sits atop ahill and has enough rooms to accommodate generations upon generations of family members. Toothers, a home small in stature but with views to die for is all a homeowner needs.

While preferences may vary on the home itself, there are a few things buyers of all shapes and sizesprefer when shopping for the home of their dreams.

• Agreeable weather. Vacation home shoppers often prefer year-round warm weather so they knowtheir respite from the cold is never too far away. For example, a locale such as Port St. Lucie, Floridaboasts an average temperature of 73.7* F, providing the ideal getaway to snowbound men and womenstuck in the throes of winter.

• Affordability. A dream home stays a dream for many people because of the misconception that it isbeyond their financial reach. "While a seaside villa in Italy might never be a reality, there are placeswhere it is still affordable to own and maintain a vacation home," says Andrew Nadalin, President ofPace 2000 Inc. Compared to neighboring counties, St. Lucie County and Martin County represent thepiece of South Florida that is still considered affordable. Endowed with the rich quality of life SouthFlorida has to offer, both St. Lucie and Martin counties also offer and affordable cost-of-livingvacationers will appreciate.

• Accessibility of activities. While an escape from the hustle and bustle of everyday life is great, noone wants to escape to a place with nothing to do. When shopping for a place to buy or build yourdream getaway, be sure there's plenty of accessibility to popular activities like boating, fishing, diving,surfing, canoeing, or kayaking.

• Proximity to other hotspots. Even if you're looking for a place to simply unwind, a dream home'sproximity to hotspots or other exotic locales never hurts. Port St. Lucie, for example, offers all avacationer needs to relax and unwind, and it's only 90 miles from the Bahamas by boat and a shortdrive to Miami, Palm Beach and Orlando.

• Proximity to major airports. Unless you plan on living in your vacation home year-round, you'll wantthe home to be somewhere that's close to major airports. This makes it easier to get to your home andflights won't be as expensive.

More information on finding your dream home can be found online at www.pace2000homes.com.

29 Church StreetCanajoharie,

NY 13317

“Your UpstateNew YorkRealtor”

GLOVERSVILLEE - 5 BR, 1.5 baths, eat in Kitchen, LR, DR, 2-car garage on largecity lot. Across from Nathan Litauer Hospital. Close to shopping and Churches.Listing JS2097 ........................................................................Askingg $82,500

Townn off Perthh - 3 BR, 2 bath, open concept LR, DR, and kitchen, dbl. widehome on 1.4 acres with above ground pool. Listing JS2098 Askingg $124,500

10888 Lakevieww Ave.,, Schenectadyy -- Move-in condition. Great 3 BR home inquiet neighborhood. LR w/wood fireplace, formal DR, HW flooring, kitchen withall new appliances and walk-in pantry, backyard has a large deck and garage.Listing JS2099 ......................................................................Askingg $105,000

66 ACREE COUNTYY HOMEE NEARR THEE VILLAGE!! 168 River Rd., Ft. Plain.................................................................................................. Askingg $149,900

Greatt Locationn andd Neighborrhoodd - 51 Waddell Ave., Ft. Plain - Cozy 3 BRhome in great neighborhood......................................................Onlyy $89,500

Townn off Glenn - Camp or seasonal home in great location with views of theAdirondack Mountains and the Mohawk Valley. Newer log home features loftedBR, propane fired stove, HW Heater and Lights. All the comforts of home yetquiet and private location. With a few changes this could be a year round home..................................................................................................Onlyy $69,900

Spaciouss COUNTRYY HOMEE w/ 2 ACRES! Very Energy Efficient means LowHeating Cost. 1100 Carlisle Rd., Canajoharie ......................Askingg $159,900

Updated 33 BRR homee w/ spacious Kitchen, East Main St., Fonda........................................................................................................................Onlyy $59,900

Things to look for whenshopping for your dream home

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Buying a home is arguably one of the largest purchases a personwill make. It can also be one of the most stressful. Individuals takequite a financial leap when buying a home. Even after carefulconsideration of funds and budgeting, it's easy to becomeoverextended. A home warranty can take some of the bite out ofunexpected expenses.

Although home buyers are urged to hire an inspector and check aproperty and structure from top to bottom before signing on thedotted line, a home inspector cannot foresee everything that maycrop up after a person moves into a home.

"When my home inspector reviewed the property he found onlyminor things that needed attention," says Jeannine in New Jersey."After I moved in, we shortly learned that the crawl space hadflooding issues that would require a lot of money to fix properly."

Home warranties can be a smart investment that take some of thefinancial pressure off of new homeowners. They can also benegotiated into the sale terms of the home so that the seller isresponsible for providing the warranty to the new buyer.

Home warranties do not negate the need for homeowner'sinsurance, but they can add protection against large monetary pay-outs to repair many items around the house. Policies may differ asto specific coverage, but most home warranties will cover majorsystems of the home, such as heating/cooling, plumbing, electrical,as well as certain appliances.

To decide if a warranty is the right investment, home buyers shouldconsider the following:

• Home warranties are only as good as the company backing them.Careful investigation into the trustworthiness of the warrantycompany and its track record should be completed.

• Read the fine print of the warranty. Learn what exclusions exist,which may not make the warranty practical.

• Keep in mind that the warranty company reserves the right todetermine if a repair or replacement is adequate in a claimsituation.

• In general, warranty companies work with their own set ofcontractors. This means a homeowner may not be able to hire hisor her own preferred contractors to do work.

• There may be a deductible or a fee charged prior to having atechnician assess a repair situation.

• The warranty company may require inspection of the house to besure items are in good working order before offering a plan.

• If a warranty is offered through a home seller, there may be nonegotiation on the coverage or company used.

Home buyers should keep in mind that there are many unforseenexpenses that can arise when purchasing a new home. Havingsome additional protection, such as a home warranty, could meansaving money on out-of-pocket repairs.

48 Church Street, Canajoharie, NY 13317518-673-3677 • richardeulerrealty.com

Minden 3BR, 4 AC$179,000

ST HWY 80Open House Sat. 4/27 @ 2PM

Canajoharie 4BR, Pool$229,000

Palatine Captivating 3BR$195,000

Fultonville 4BR$79,900

Oppenheim 5BR, 8 AC$205,000

Canajoharie 3BR, 24 AC$169,900

Palatine 2BR, Fireplace$119,900

Stately Cobleskill Victorian$224,999

Canajoharie 4BR, Craftsman$105,000

Sprakers 3BR, Fireplace$199,900

Palatine 4BR, 2 Bath$85,000

Learn the basics of home warranties

A home warranty can help protect a buyer’snew investment and offer peace of mind.

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Though the housing market might not be booming, there are stillbuyers out there looking for a place to call their own. Somepotential sellers might prefer a patient approach to selling theirhomes, choosing to do so when the market rebounds and homesregain some of their lost value. Other sellers might not have achoice and must make due with selling in a lackluster market.

Regardless of which category you're in, there are easy ways toboost your home's value. Making minor changes to a home can addto your asking price, whether you're putting your home on themarket this week or waiting for the market to rebound. Thefollowing tasks might not take much effort, but they pay dividends.

• Work on the yard. An appealing lawn is still a great way to catcha prospective buyer's eye. When a home boasts a lush lawn andwell-manicured trees, it's hard to ignore that For Sale sign outfront. If landscaping has proven an Achilles' heel in the past, makean effort to take better care of your property in the months ahead. Itdoesn't take long for even the most neglected lawn to reboundfrom disrepair. By the time you feel confident to put that for sale

sign out front, you might just be putting it up in a lush lawn nobuyer can resist.

• Upgrade appliances. Prospective buyers won't be thrilled if theywalk into a home and see outdated appliances. Some might evenfeel older appliances indicate a homeowner who cared little aboutappearances and might begin to wonder if there are any additionalareas that might have been neglected around the house. Stainlesssteel appliances in the kitchen and even new fixtures in thebathroom are aesthetically appealing and tend to excite buyers.Homeowners who aren't immediately putting their property up forsale can gradually upgrade their appliances to lessen some of thefinancial toll such purchases take.

• Replace the carpet. A clean carpet might make a world ofdifference to a home's inhabitants, but a new carpet will be moreappealing to prospective buyers. Choose a neutral-toned carpetthat will boast a more universal appeal.

• Paint the home. A fresh coat of paint or new siding is always

attractive to prospective buyers. If your home hasn't had a newcoat of paint in awhile that might make buyers feel the home ismusty or old. Many buyers judge a book by its cover, and sellerswant their home's exterior to be as attractive as possible.Homeowners can also paint rooms inside the home to give it afresh and welcoming feel.

• Clean up around the house. A cluttered house will almostcertainly repel buyers. Buyers want a home that's roomy and wellkept, but clutter creates the opposite impression. Organize theclosets to make them appear more roomy and clean up any areasthat have become cluttered -- consider temporarily renting astorage unit to house excess stuff from closets. Basements or utilityclosets might be handy for storage, but they should be open andclean before hosting an open house. The less clutter a home has,the more spacious it will appear and the more money sellers canlikely demand for the home.

Visit Us: www.mohawk-realty.com

MOHAWK Towne & Country RealtySue Leavitt, Licensed Real Estate Broker

Corner Rte. 5 & McKinley Rd., Palatine Bridge, New York • 518-673-5482

Amanda Haig, Sales Assoc. . . . . . . . . . . . .518-673-3235Pete Manikas, Sales Assoc. . . . . . . . . . . . .518-673-5482

Joann Christman, Assoc. Broker . . . . . . . . . .518-256-4911

Connie Dingman, Sales Assoc. . . . . . . . . . . .518-673-2026Nancy Dornburgh, Assoc. Broker . . . . . . . . . .518-993-2335Joan Galusha, Assoc. Broker . . . . . . . . . . . . .518-332-9707

Palatinee Farmhouse4 Bedroom; Granite Gas Fireplace, wide

plank floors; updated, new windows,new roof, lots of storage areas, a Barn

& various Fruit Trees.It's only $110,000.

22 AAccrreePPiiccttuurreessqquuee RRaanncchhGlass enclosed Sunroom,

3 Bedroom mfg. home, 2 full Baths,Living, Dining, & Family rooms,

Large Kitchen, C/A, generator B/U,

handicapped ramp. Low taxes.$110,500.

Big,, RoomyCanjoo 44 Bedroom

Has hardwood floors, Wood Stove,Eat-in Kitchen, Pantry, 1 1/2 Baths,

Family Room, & 2 Story Garage w/areafor game room, Hey, it doesn't get

much better, except to hear "Your Offer" on $69,900.

Reducedd too $164,500Large Family?

Ft. Plain 4 bedroom Raised Ranch; 2 1/2 Baths, hardwood floors,

Sunlit Rooms, Kitchen- Breakfast-Family combo room with Fireplace;

Rec Room, 2 car Garage.

Ft.. PlainCapee Stylee Ranch

Charming. 3 Bedrooms, CountryPine Kitchen & Bath, Living roomhas gas Fireplace, new carpeting;

C/A, basement workshop,LARGE lot; attached Garage.

Onlyy $89,900.

AA Homee withh aView.... OFFERS?

Nelliston 3 Bedroom located up thehill away from the main stream of

hub-bub. Eat-in Kitchen with all thetoys, Living & Dining rooms,

attached 2-car garage. & a POOL! $109,000.

Ft.. Plainn RanchCountry views on oversized lot -

end of the Hill; 3 Bedrooms, Living Room with Fireplace;

Dining, Kitchen, Full Bath, Office;Radiant Heat, Oak Pegged Floors;

attached Garage Onlyy $94,500.

AA Whitee Pinee Kitchenn &Fireplace

Make this Canajoharie home one of thecutest on the block! 3 Bedrooms,

beautiful woodwork, "nooks & crannies", new Bath,

hardwood floors, fenced yard, andGarage. $79,500.

Nellistonn Brickk ColonialOriginal detailing, high ceilings, 90"

windows, 5 Bedrooms, Eat-in Kitchen,Sunroom w/Views of the Mohawk River.

Colorful plantings on deep yard plusGarage. $129,900.

New"Spring"" Listing

4 Bedroom Ft. Plain Ranch on largecorner lot, complete w/ fireplace, hardwood floors, Open Kitchen,

step-down Dining, NEW Bedroom &Bath, lots of storage, attached

Garage. $96,500.

EEdd Pierpont

Gott UU Covered

GotUCoveredHomeInspections.com

•• HOMEE INSPECTIONSS •

NY Lic. #16000022349NACHI #05122792

104 Reed StreetCanajoharie, NY 13317

(518) 332-6294Fax (518) 673-3667

epierpont@ny.nachi.org

www.judithannrealty.comjudy@judithannrealty.com

CELL: 518-424-5621

Judith A. PhetteplaceLicensed Real Estate Broker

316 MOHAWK DR.TRIBES HILL, NY 12177

HOME: (518) 829-7813OFFICE: (518) 829-7250

FAX: (518) 829-5119

Easy ways to boost home value

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Nowadays, homeowners looking to sell their homes know it's notas easy to do so as it might have been a few years ago. Astruggling economy has made it difficult for many homeowners tosell their homes for a price they're comfortable with.

But the sagging economy is not the only thing can make it difficultto sell a home. In fact, a host of other things, some obvious butsome not so obvious, can hurt a home's value as well.

• Location: A home's location is arguably its best or worst sellingpoint. A home in a great location won't be as difficult to sell as ahome in a bad neighborhood. But location goes beyond aneighborhood's reputation, especially in recent years. Homeownerswho live in a neighborhood or development with many foreclosures

might find those foreclosed properties are hurting their own home'svalue. Lots of foreclosures could negatively affect a neighborhood'sreputation, which might make a home within that neighborhoodless attractive to prospective buyers.

• Appearance: A home's appearance is another obvious variablethat might affect its resale value. Homeowners might want theirhome to reflect their own individuality, but that's not going to helpwhen the time comes to sell the home. If the exterior paint is out ofthe ordinary, then it might be wise to choose a more traditional orconservative color before erecting the "For Sale" sign out front. Thesame goes for a home's interior. If the interior design is especiallyunique, a more traditional interior decor might help the home sellfaster.

• Size and style: Another thing to consider when selling a home isits size and style. A home that stands out on the block might be anattention-grabber, but that's not always attractive to prospectivebuyers. For instance, a colonial sitting in the middle of a street filledwith contemporary homes will stand out, but likely for all the wrongreasons. It will likely appear dated and out of place, which issomething buyers might not want. In addition, if the home isconsiderably larger or smaller than the surrounding homes, thenthis could hurt its value.

• Non-conformity: In many ways, conformity is not considered anadmirable trait. But when selling a home, conformity could makethe difference between a home selling quickly or remaining on themarket for months if not years. When shopping for a home, buyersoften shop in certain neighborhoods and towns and might seemany different homes within a given ZIP code. Homeowners withhomes that don't conform to others in the area might find it difficultto sell their homes. For instance, homeowners trying to sell a twobedroom home in a neighborhood filled with three bedroom homesmight notice their home's value is not as high as that ofsurrounding homes, regardless of the neighborhood or how similarthe home's exterior is to surrounding homes.

• Age: Older homes might have character and a sense of nostalgia,but appraisers take age into consideration when determining ahome's value. And buyers tend to lean toward newer homes for anumber of reasons, not the least of which is the feeling that newerhomes have far more modern amenities than older homes.When it comes to a home's value, there are a host of things thatcould ultimately increase or decrease that value in the eyes ofprospective buyers.

Res: 518-829-5163Cell: 518-424-9752

www.judithannrealty.comE-mail: joelle@judithannrealty.com

Joelle L. Phetteplace-BluvasAssociate Broker

316 MOHAWK DR.TRIBES HILL, NY 12177

OFFICE: (518) 829-7250FAX: (518) 829-5119

Julie SonnerLicensed Real Estate Salesperson

Cell: 518.605.0883Office: 518.370.3170 ext. 406

Fax: 518.370.5797Email: JSonner@RealtyUSA.com

480 Balltown Road, Schenectady, NY 12304

Lana RuggieroLicensed Real Estate Broker

11 Forest St.P.O. Box 1285

Gloversville, NY 12078

Cell (518) 470-4738 • Fax 518-773-3805

mruggier@nycap.rr.comwww.ruggierorealtyllc.comSpecializing In Residential Sales and

First Time Home Buyers.

Carol G. PaciollaLicensed Associate Real Estate Broker

160 Market Street Amsterdam, NY 12010

Office: 518-843-1885, ext. 234Fax: 518-843-2459Cell: 518-332-3279E-mail: carolpaciolla@hotmail.com

Claudia CrawfordLicensed Associate BrokerServing Montgomery, Fulton& Saratoga Counties

4720 State Highway 30Amsterdam, NY 12010Cell 518-866-1317Office 518-843-4343Fax 518-843-4321Crawford.Claudia34@gmail.comwww.MVRELLC.com

Local Guide to the

Adirondacks

518-725-ADKS (2357)www.ADKSrealty.com

MaryEllen Charles, NYS Licensed RE Broker/Owner101 Washington Square, Caroga Lake, NY 12032

EnergyExpertise

Experience

We Also Specialize in Property Management

Kathleen M. MussiLicensed Real Estate Broker/Owner

A&M PROSPECT PROPERTIES LTD.FULL SE RVICE REAL ESTATE

217 N. Main Street • Gloversville, NY 12078

Tel 518-773-8457Fax 518-773-9734Cell 631-875-8646

Factors that might hurt a home's value

Selling a home isn't always so easy.

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RREE AA LL EESS TTAATT EE GGUU II DD EE

SERVING HOMES IN THE FOLLOWING COUNTIES:� Albany � Fulton � Herkimer

� Montgomery � Oneida � Otsego� Saratoga � Schenectady � Schoharie

For More Information Call John Snyder 518-673-0129Distributed in Albany, Fulton, Herkimer,

Montgomery, Oneida, Saratoga,Schenectady and Schoharie Counties

June 1, 2013 IssueDeadline Wednesday, May 29, 2013

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