Napaul January 2015 Real Estate

A Publication of Napaul Publishers, Inc © 2015 All Rights Reserved.

www.addigest.com Vol.20 No. 1, January 2015

FREE TAKE ONEFREE TAKE ONEFREE TAKE ONEFREE TAKE ONEFREE TAKE ONE

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Index ............................................................ 2

Corlew Realty .............................................. 3

Preble Realty LLC ........................................ 4

Preble Realty LLC ........................................ 5

DC Realty ..................................................... 6

K. Ward Realty, LLC ..................................... 7

Glens Falls National Bank and Trust Co ............ 8

Leon H. Barkley Real Estate ....................... 9

Saratoga Mortgage Co. Inc..................... 10

Team Tinkham of Prudential Manor Homes ... 11

Denim & Deeds Real Estate ..................... 12

Heritage Manor Realty ............................. 13

Country Living from Farm Credit East ..... 14

Country Horizon Realty ............................ 15



Michael "Craig" Campbell Realty........... 18



Northeast Satellite ..................................... 21

Participating Member Information .......... 22

Participating Member Information .......... 23

Bryce Real Estate ...................................... 24

2015 BOARD OFFICERSPresident - Leon Barkley

Vice President - Melissa Devine

Secretary - Kendal Baker

Treasurer - Roberta Stone

HoosickHoosickHoosickHoosickHoosick

FallsFallsFallsFallsFalls

IF YOU HAVE A PROPERTY YOU’RE THINKING OF SELLING CALL ME!!!!CORLEW REALTY – 518-638-6473 or e-mail [email protected]

We also show and sell other Real Estate Agencies listings.

email: [email protected]

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StarStarStarStarStart t t t t TTTTThe Nehe Nehe Nehe Nehe New w w w w YYYYYear Ofear Ofear Ofear Ofear Offffff Right Right Right Right Right WWWWWith One ofith One ofith One ofith One ofith One of TTTTThese Homes!hese Homes!hese Homes!hese Homes!hese Homes!

Enjoy this 1800’s CenterHall Colonial with manyupdates including kitchenwith granite countertops &center island seating area orthe breakfast nook . For

entertaining enter the spacious formal dining room with roomto expand into the parlor, or large living room. Master bedroomwith walk-in closet and spacious new master bath withwhirlpool tub and shower. Room for a couple of horses onthis 7.65 acres of land. Minutes to Greenwich or Argyle.

Offered at $269,900

Live in the country butwalking distance toVillage, is thisExceptional 4,494 sq. ft.Custom home on 34acres of land, with pond

and Moses Kill Creek frontage. So many extra features thatyou won’t find in most homes. Cherry fireplace with Cherrymantel and two Cherry corner bookcases as well as Cherrywall of Cherry bookcases in formal living room. Oak peggedflooring, brick flooring and more. 30 minutes to Saratoga,Queensbury or Vermont. Priced at $585,000.

Looking for a home under $100,000,call on these two properties:

3 bed. 2 bath doublewide on 1.03acres of land - $89,900

or3 bed. 2 bath doublewide on 1.3 acreswith garage – needs work - $59,900

VillageLivingThis

Villagehome inSalem

with its 4bedrooms, 2 baths, large village lotfenced in, 2 car garage and a BRANDNEW MAPLE KITCHEN with stove andrefrigerator, is waiting for its newowners. Move in at closing.

Just reduced to $75,000.

CITY LIVING53

Ft. Amherst RdGlens Falls

Stately 1957Colonial Cape

Style home, spacious corner lot,1900 sq.ft. of living space, recreation rooms in fullbasement. Hardwood flooring, ceramic tile,carpet,open floor plan,living room w/BrickFP, formal DR, enclosed screened sunporch w/hot tub. So much to see in thishome, new kitchen with SS appliances,new cabinets, stone countertops.

Offered at $264,900

3 acres of land, open & wooded withwetland border within minutes of HudsonFalls or Hartford. $27,900

10 acres of land – hunting on one side,build on the other side of road – $22,900

4 acres of land – mostly wooded – $22,900

9 acres of land – great hunting or campsite area- $25,000

5 acres of wetlands- duck or geesehunting – $10,000

FARSM...FARMS...FARMS...

128 acres of open fields with some woodsoverlooking the valley of Farms is this Beef/Horse Farm. Among the ten Barns/Outbuildingyou will find a 7 stall Horse Barn with tackroom and outdoor arena, small chicken house,calf barn, hay barn, tractor sheds, heatedgarage or workshop, storage barns, holdingstalls, and more. Live in this unique 1840’sCenter Hall Colonial home with kitchen, familyroom, dining area with stone fireplace, plusspacious formal dining room and first floorbedroom or large office area. The full frontporch has views of the entire property andother farms in the area. Call for your tour ofthis property. Priced at $750,000

70+ acres of mostly open fields withwoods bordering the property minutes fromHudson Falls or Hartford. Enjoy the summertime on the deck watching the birds frombird feeders around the property, as well asthe deer and turkeys wandering in and outof the woods. The spacious DoublewideRanch home is in exceptional condition withits 3 bedrooms, 2 baths, huge kitchen withOak kitchen cabinets, walk-on pantry as wellas a cabinet pantry. So much to see insideand out. Call today!!!! Private country setting.2 separate garages for workshop area orshelter for animals. Offered at $229,000.

64 acres of land including pasture,hayfields and maple sugar grove with a Barnand attached hay storage. Propertycompletely fenced in with fairly new electricfencing, separating pasture and hayfield.Live in the 3 bedroom 2 Bath Modular Ranchhome with gas fireplace, formal dining room,full basement and fully applianced kitchen.Views from deck off l iving room ofneighboring farms and countryside. 20minutes to Queensbury, Greenwich orGranville or Vermont. Priced at $225,000

DC RealtySince197173 Quaker Street, Granville, NY 12832

518-642-1862 -- FAX 518-642-0532E-mail: [email protected]

Web Page: www.dcrealty.net

Daniel Campbell,

Licensed Real Estate Broker, GRI, CBR

Edmund Cucchi,

Licensed Real Estate Salesperson

PERFECT VILLAGE HOME:This home has beenpainstakingly remodeled topto bottom including all newwiring, insulation, plumbing,sheet rock, windows, siding,doors, roofing, heatingsystem etc…Spacious rooms throughoutthis 2 bed room home, den

easily made into 3rd bed room, fully applianced country kitchen, dining,laundry ½ bath combo, corner lot, walk to all location, covered porch,mature plantings, easy to heat… $90,500. REDUCED $79,900

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GREAT PRICED STARTERGranville village 2 bedroom 1 bath home,living room, family room, kitchen with diningarea, laundry room, beautiful hard woodflooring and trim throughout, enclosed wraparound front porch, storage room, huge walk-in attic, easy care vinyl siding, detached 1car garage, inside tlc needed…cheaper thanrent…! $42,000. REDUCED $38,900!

YOU MUST SEE This immaculate move inready 3 bed room home on Vermont Border!Great location on quiet dead end villagemaintained road, open floor plan with vaultedceilings in living-kitchen-dining, master bedroom and bath, slider to rear deck and aboveground pool back dropped with birch trees,big room to run yard nicely landscaped,underground utilities, detached one cargarage, fully applianced.

Call for showing! $99,900.

FIXER UPPER. Has a nice layout with hardwood flooring down and pine flooring up,double living room, dining, kitchen, bath andenclosed & covered porch down along with 3bed rooms up, slate and metal roof in goodshape, updated heating system, drilled well,septic. MAKE AN OFFER!

REDUCED $39,000 to $34,000

CONTEMPORARY SALTBOX48 ACRES: Of wooded privacy with pondand babbling brook! Featuring big livingroom with cathedral ceiling along withopen stairway and brick fireplace, oakkitchen with breakfast bar and diningarea, master bed room and full bath downwith two bed rooms and 2nd full bath up,

huge view deck overlooking property with distant Vermont Mountain views,above ground pool and deck, walk out basement, 16x20 barn, ATV- rectrails & established road offering excellent access to back property,lots of wildlife including deer turkeys etc., yearly lease income on smallslate quarry, mins to Vermont. $199,900.

PONDSIDE CHALET: NY-VT Border, fishcanoe on your own private pond with 5 plusacres and mountain views! 3 br chalet inpicturesque country setting, lots glass, openfloor plan, featuring living room with cathedralceiling open to kitchen/oak cabinets, fullyapplianced, loft bed room, rustic family roomin walk out basement, sprawling deck, easyto heat with new boiler, 3 bay garage-workshop, storage shed, great recreationalspot mins to Vermont-Lake George!$179,000. REDUCED $169,000!

HEBRON COUNTRY FARMHOUSE60 private acres with amazing Vermontviews with frontage on both sides of quainttown dirt road! 3 bedroom country homewith exposed beams and stone fire placein living room, large family room additionwith lots of glass, great surroundings w/woodland fields & beautiful yard includingblack walnut trees & gazebo, not mentionBlack Creek teaming with trout just a fewsteps away! Detached 2 car garage, twosmall outbuildings, wildlife paradise!$199,900.

NICE & AFFORDABLEVillage 3 bed room home with fenced villagelot, living room, formal dining, den, big eat inkitchen, open to new addition for laundry-storage room, ¼ bath down, 3 bed rooms andsitting room or fourth bed room and full bathup. Hardwood & tile floors, newer heatingsystem, fully applianced, detached 1 cargarage, $59,900.

GREAT LITTLE COZY: 3bed room home with a lotto offer! Very well keptwith many updates, bigeat kitchen with beautifuloak cabinets, good sizedliving room, spaciousmaster bed room w/walkin closet, remodeledbath w/laundry combo,

small office or computer room, huge 28x32 detached garage withfinished-heated man cave in attic, 24 above ground pool w/deck, paveddrive, two covered porches, big open entertainment deck with hot tub,a must see at $114,900 - REDUCED $109,900.

VIEWS VIEWS VIEWSOf Vermont’s Green Mountains as far as theeye can see. 52 acres, entry road leads you tolarge mountain top meadow, great for campingor building site, abundant wildlife deer turkeyetc..1,190 feet of road frontage on state road,power and telephone along road, Asking$67,700. With owner terms w/25% down balanceof $50,775. Financed over 7 years w/mthpayments of $714.75 including interest of 6%

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[email protected]

Rick Tinkham - 518.892.9427 ~ Pam Tinkham - 518.701.5668 ~ Loraine Robichaud 518.268.8165

Team Tinkham

of Prudential Manor Homes

53 High St.Hoosick Falls, NY 12090

Merging the Best of Both Worlds. Tinkham Real Estate Joins Prudential ManorHomes

641 South St, Hoosick. Sellers have doneit all to ensure you a wonderful home.3bedroom, 2 baths. New roof, water quality/flow test,and even a radon test. Kitchen hasgranite counters, work island, cabinets w/slide outs. Grand 16’X24' solar rm w/floorto ceiling windows. Add on wood boiler & 3zones cuts heating cost.Wrap around frontporch. Patio in the back yard. 2 car garagew/work space. 1 car has partial loft storagearea. Back yard is fenced and tastefullylandscaped. $149,000

Rogers Ave. Hoosick Falls NY. Locatedin one of the most sought afterneighborhoods in the Village, close tostores, restaurants, l ibrary, parks,swimming pool, playground & country club.4 bedrooms 2+ bath ranch. central air, hardwood floors, fireplace, partially finishedbasement, heated sunrm. Newer windows& roof. Landscaped lot. Be in Benningtonor Manchester VT, Albany or Saratoga, NY& Will iamstown MA in less than anhour.$169,000

East Hoosick Rd, Hoosick NY. This homeis in very good condition, meticulouslycared for in every way. Two bedroom twobath manufactured home.Rocking chairfront porch on a flat acre lot. Central air,generator back-up oversized two cargarage with workshop and many moreextras. Conveniently located on a quiet sideroad yet less than two miles to the 279bypass to VT and less than an hour toAlbany or Saratoga, NY. Whether juststarting out or looking for the perfectretirement home, this is it. $94,000

Barton Rd, Buskirk NY. Great countrysetting. 2,560sq ft 4 bedroom 2 bath custommanufactured double-wide home is move inready. Custom kitchen, s/s appl, sunkenlarge family room w/fireplace, master bathw/garden tub and separate shower, centralair, outdoor wood boiler and generator.Outside you have 25+acres with 30X40horse barn w/3 box stalls, tack room, water&electric,2 run-in sheds,60x120 ridingarena,30x40 heated workshop w/16x20&12x36 lean two,12x18 storagebuilding,16x16shed $234,888

Bovie Hill Rd, Hoosick Falls NY. Feelslike a vacation. Spectacular 1800sq ftcustom built contemporary. This cedarsided 3 bedroom 2 bath custom homeoffers views of three states and privacy. Bein Saratoga or Albany, NY Manchester, VTin less than one hour and just minutes toNY RT. 7 RT.22 or RT.67, “you can get therefrom here”. 5.5 acres with an additional 5+acres that boarders the property that couldbe purchased separately.$259,000

Marc Dr, Hoosick Falls NY. Meticulouslykept. Like new. 3 bedroom, 2 1/2 Bath,spacious center Hall Colonial in desirableneighborhood. Just outside the village.Original owner. Plenty of room forentertaining or to spread out. Sliding doorsoff the sunny kitchen, you can enjoy theprivate deck and take in the view. Extraroom in the 2 car garage offers work spaceand storage room. Full dry walk outbasement, leaves room for expanding.Home sweet home. $216,900

Rogers Ave, Hoosick Falls NY. Mostdesired neighborhood in town. Finishedbasement has spacious foyer, family room,laundry area in a closet, full bath and abedroom. Heated 1 car garage. Upstairs:Large eat in kitchen, living room with sliderthat leads to back deck. Full bath with tileflooring. Master bedroom w/full bath, 2 otherbedrooms. Deep lot, gives for a large backyard. Hot tub off the deck. Large shed. Abeauty of a home, waiting for you. $199,888

Griffin Ave, Hoosick Falls NY. LocationLocation Location Custom built 3 bedroom2 bath 1,775 sq ft ranch over looking theHoosick Falls Country Club/golf course,town pool, skating rink, castle play ground.Just minutes to all the village has to offer.Newly renovated home is move-in ready.Kitchen w/corian countertop, dining area w/patio doors leading to the deck over lookingyour private back yard formal living roomw/stone fireplace, family rm, two baths andthree bedrooms. Lower level workshop andtwo car garage. $174,900

Fairbanks Rd, Hoosick Falls NY Tuckedaway from the road sits this serene property.Relax in the beauty of the panoramic views,that go on for miles. Live comfortably in thismanufacture home. Many updates,including metal roof, wood burning fireplace,vinyl siding, energy star windows, fuel oilheaters, hot water tank and more. Be awayfrom it all, yet only minutes from the village.With 6 acres, there’s many options here.Live in it, rent it, built another house. Manypossibilities. $104,888

(518) 686-4426133 Main St., Hoosick Falls, NY 12090

www.denimdeeds.com

“Simply the Best!!”Call the Denim & Deeds Team today!

90 High Street, Hoosick FallsSo unique! In addition to a 3 bd, 1 ½bath side hall colonial, with hardwoodfloors, plenty of family space and a su-per sized fenced in yard, there’s a sepa-rate 1 bedroom unit over the 2 cargarage…come see the benefits of own-ing this home! $169,000

Aarons Way, Cossayuna LakeLive here for practically free. Put your boat in the lake andswim or ice fish. All this plus 4- 2 bedroom apartments, withseparate entrances, separate driveways, all appliances andthe oldest building is only 7 years old! Live in 1 unit, perfect!Owner financing available. $179,000

4078 Cty. Rt 48, Cossayuna LakeStop looking for a weekend hideaway and buy your dreamcamp! Two bedrooms, bath w/shower, open floor plan, largedeck facing your very level land leading to the lake. 50 feet ofprivate lake front. Just $75,000

143-145 Church Street,Hoosick Falls

Make money, increase your retirementplans or live with less debt. Our 3 unithas 2- one bedroom apartments. And a3 bedroom, 2 story owners unit with for-mal DR and large kitchen. Separate utili-ties, entrances and off street parking. Asteal at just $68,900

Mountain View DriveWe have 2 parcels on Mountain View..one is 5.140 acres for $24,000 and theother is 8.980 acre for $45,000. Comepick out where you would like your hometo be… Views, close to the Village, avery private feeling, yet convenient.

24 Taylor Avenue, BerlinRelocated owners. Start your life herewith 3 bedrooms, 1 ½ baths, lots of liv-ing area & a new roof, Pella windows andupdated mechanicals. If you’re startingout, you will never have to move.. thishome will fit everyone’s’ needs.

Reduced to a low $99,500

Rt 22 Hoosick FallsBusiness knocking on your door! Stopworking for someone else, buy our 2,400sq. ft garage, with office space. Locatedon an acre, with superior state road lo-cation & a 16 year old steel structure w/metal roof. Priced well at $159,900

8 East Street, Hoosick FallsOur spacious 3 bedroom modular has2 full baths, a fireplace in the LR, formaldining, first floor laundry and a full atticfor storage. Ceramic tile, w/w carpet,deck, pool and a view of the mountains!!$149,900

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Mortgages for Country Properties

VACANT LAND/EXCESS ACREAGE/HOBBY FARMSCall Country Living from Farm Credit East Now

See how easily we can help you own your place in the Country

Donna L. PhelanAVP/Mortgage Specialist

800-327-6588

Country Living

www.countryhorizonrealty.net

4 East Main St.,Granville, NY 12832

Office: (518) 642-9030Fax: (518) 642-0615

[email protected]

For a Complete, Up to Date List with Loads of Photos and Information go to our web site at

www.coun t r yho r i zon r ea l t y. ne t

“For all of your real estate needs in New York & Vermont”

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Own your own Island on LakeSt. Catherine - Main house with4 bedrooms, 2 ½ baths, kitchen,fabulous living room w/ fireplace,dining room, huge screenedporch, patio w/ built in grill, bunkhouse, boat house, 2 boatlaunches, garage! Bridge to get

to the island with land on both sides of the bridge thatcomes with this property. Beautiful Views ! You must see

this place to really appreciate all it has to offer. Great water front! $1,400,000.

Lake St. Catherine-Year Round 4 bedroom,2 bath home with 50' of lake front! 1st floor-Modern Kitchen, Great View from Dining Area,Living Room w/ propane stove & bath! 2nd floor-4 Bedrooms, 1 bath! Walk out basement! 3zone-Buderus Boiler-HW baseboard heat! (3rdzone for basement) Lots of updates! Vinylsided! Shingles new in 2011! Water front deck!Dock! Lovely Lake & Mountain Views!$249,900.

Lovely, updated and well kept ranch stylehome on spacious Village Lot! Cherryflooring on main level with exception of tiledbaths and linoleum kitchen and laundry. WoodBurning Fireplace in LR, DR w/ slider leadingout to 12 x 16 screened porch. 3 spaciousbedrooms (1 with custom built office set up-which could be moved to another space) Fullbasement. 24 x 13 FR in basement plus lotsof storage in unfinished part! Paved Driveway.1 car attached garage. Patio! Nice back yard.86 x 175 lot! (per tax map) Insulated customwindow shades! Weil McLain Propane Boilerw/ Amtrol Hot Water Maker! (Additional Zoneif someone ever wanted to winterize thescreened porch) Lots of Storage and closetspace. Poured Concrete. $149,900

Lake Saint Catherine. 2 BR’s with an additionalroom containing the washer and dryer that has spacefor another bed. Enclosed covered porch used fordining area. Open kitchen/LR w/ wood stove. Verycozy and charming furnished camp. Sits across fromthe Marina. Great get away for less money thanmost! The water front still takes you all over the samelake that any other camp on this lake has accessto. Great price.....cute spot! 100 x 100 lot! Assessedfor 164,200! Water from the lake. $147,500

Spacious 3-4 BR Village home on largelot. Large MB on 1st floor! Kitchen, FormalDR, LR, Den or 4th Bedroom and full bath.2nd floor 2 BR’s. Replacement windows.Pellet stove included. 2 car detachedgarage. Close to schools. 2 back decksplus front porch. Open Stairway. Reduced-$99,999

2 Bedroom, 1 1/2bath home on quietstreet. LR, DR,Kitchen & Laundry on1st floor! 2 BR’s up. 1car garage that couldeasily be turned backinto 2 car.. Large Metal

Storage Shed included in sale. $86,900

In 1928 the LabateFamily movedinto this house.Jennie was the lastone to live here until2014. The house ismuch as it was .Furnace , hot waterheater and oil tanks

are recent updates. Nice spot on a back street.Convenient to walk to things. Large area in backwhere the garden used to be! Priced to sell “as is”so that a buyer could make the improvements theymay want and still have a home at a reasonableprice. $42,500

Lovely, updated and well kept ranchstyle home on spacious Village Lot! Cherryflooring on main level with exception of tiledbaths, l inoleum kitchen & laundry.Fireplace in LR. Dining Room w/ sliderleading out to 12' x 16' screened porch. 3spacious bedrooms (1 with custom builtoffice set up-which could be moved toanother space) Full basement. PavedDriveway. 1 car attached garage. patio area!$149,900

Neat as a Pin- Lovely well kept VillageVictorian with several windows containingstained glass! 3 BR’s, full bath and roomwith water that might make a nice laundryroom or craft room up. 1st floor -eat inkitchen, DR, Double Living Room (could useone as a 1st floor BR) foyer, full bath w/whirlpool tub and 2 porches ! Open StairwayPaved Driveway! 2 car det. garage! Vinylsiding makes for ease in care of exterior!Paved Driveway! $116,900.

Hartford, NY-PhenomenalViews fromthis home

andproperty.

3 BR, 2 bath home built in 1977 has anupdated roof, newer family room leading todeck. The land, plantings and Views arelovely! The house needs some updating andis priced accordingly. Great setting, lots ofspace and you can decorate to your owntaste. Air conditioner in FR & LR. $169,900.

www.countryhorizonrealty.net “Personalized, Professional Service”


Office: (518) 642-9030Fax: (518) 642-0615

[email protected]




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Rebecca J. DittmeierLicensed NY, VT Broker

[email protected]

Linda RossLicensed NYS RealEstate [email protected]

Nancy GreeneLicensed NYS

Associate BrokerVermont Broker

[email protected]

Joshua ThomasLicensed NYS RealEstate Salesperson

[email protected]

Lovely, WellKept, Private and

Spacious-4 bedroom, 2 ½bath Colonial on5.69 acres with

beautiful views of the Vermont mountains! Main level-Kitchen, Formal DR, LR , Family Room, and ½ bath.2nd floor, 4 bedrooms & 2 baths. MB is 13’x 20’ withwalk in closet and private bath. Full basement.Attached 2 car garage ! Central Air Conditioning! OHAheat. $229,900.

BreathtakingSunsets, &Beautiful

Mountain Views from so manyplaces in thisspacious , open ,well decorated 3-4

Bedroom , 3 bath home built in 2005! Many special features! Slate counters with eatat island & stainless steel appliances! Lots of Glass. Gas Fireplace in LR, DiningArea, Den leading to deck! Covered Side Porch! Private MB with shower & jet tub &2 walk-in closets! Partially finished space over garage for another BR w/ bath orother room. Finished basement walk out to ground level. Family Room with gas stoveplus 2 other rooms and bath! Lovely open stairway! 1st floor laundry! Cable & HighSpeed Internet! Nice Open Lot! 30’ x 40’ Barn with Electric and Water! Dog Kennel!2 car + attached garage! A lovely property! $319,900.

9 Hole Golf Course-This property is beingoffered for sale as a 9 hole Golf Course asit has been for the past several years. Theland was split between 2 different ownersapprox 1 1/2 years ago and they havedecided to work together to sell this for itsbest use – the existing golf course. Lots ofpotential for this property. The Club House

needs a little bit of TLC. There is not a sprinkler system inthe ground but they have used a large tank to care for the greens and it has workedfine. If you or someone you know might be interested in this please contact us formore details. 20.71 acres(as per tax map) Lovely Pond. Nice parking area. $189,000.

Village Home- Close to VT border-4-5- bedroom,3 bath home on Large Village Lot. Large LR w/ woodfloors and Fireplace. Formal DR, Eat in Kitchen, MudRoom & Laundry. Reading or computer Nook, 1st floorbedroom & full bath! Huge MB has private bath & walkin closet. Many updates have been made to this house.128’ x 218’ (per tax map) lot! A lot of house for the$$. $119,900.

Granville off Cty Rt 23-3 bedroom , 2 bathraised ranch onbeautiful country lotwith nice views &plenty of space for agarden. You could evenhave 2 horses if youchoose to do so! Main/

upper level offers open and airy feel between the LivingRoom, Dining Room & Kitchen. The skylight over thestairs gives nice light and showcases the stairway.Lower level with a family room, full bath, bedroom,laundry and 2 car heated garage makes the homefeel more spacious. Set well off the road. $164,500.

Wells, VT- 2 BR home with detached 2 car garage.3.73 acres Deck, handicap ramp. Full basement!Beautiful lot with 396 feet along the Wells Brook &318 feet along Route 30 (per survey)- no Zoning in Wells.Comcast Cable and High Speed Internet available atthe road. Generator! Storage Shed! Grape Vines! BerryBushes! $114,900

Condo- Shared Lake Access on Lake St. Catherine-Shared 39 +- Acres with hiking trails- Pool-Wells VT- EndUnit 2 bedroom, 1 bath ! Current monthly fees are 227.00per month which includes use of pool, shared lake front,snow plowing, lawn care, trash removal, water and sewer.Asking $78,900

Granville Village- Tremendous potential for all thisspace. Super Expensive Sprinkler System in thisbuilding on all 3 levels! Current use is a recreationalcenter for Youth. Finished 2nd floor great for manysmall offices or little stores Main level and basementhuge areas with lots of potential. Dj lighting stays,pool tables, coolers,! Parking on street and publicparking lots on each end of the street 8556 Square ft

estimate not counting 5360 sq ft in basement. Asking $89,900

Hampton- Old Fashioned Country Home with updates ~Updated windows, furnace, roof, siding and more! 1 car Barn/garage. 1 bedroom down. 2 rooms up walk through one toget to the other Country Kitchen open to dining area. LRleading to enclosed front porch. Back room great forworkshop.. Asking $59,900

Nice 2 bedroom ranch withattached 1 car garage on a doublelot (part open and part wooded) inGranville Village headed towardVT. Newer furnace and windows.$89,900




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Summit Lake- Beautiful spot on SummitLake.3 BR,1 Bath House being sold furnishedwith the exception of the TV, some personalitems & knick knacks. Screened Porch. Deck!Built in 1990 by these owners as a 3 seasoncamp. Also includes Woodstove, Shed, Dock,Raft, Paddle Boat & Canoe. $172,500

Mettowee River Frontage-Charming andAffordable -2 bedroom, 1 bath home with anopen floor plan on 1st level. Beautifullylandscaped lot. Look at our website for morephotos! $69,900.

Wood floors though most of this 2 bedroom,1 bath home! 1st floor updated kitchen, newbath with claw foot tub & laundry area, diningarea and living room. Backyard area withstorage shed. Windows are insulated glass.$54,900.

[email protected]

Office: (518) 642-9030Fax: (518) 642-0615

LAND FOR SALE10 Acres-Warren Rd, Hartford- $30,000Commercial-Main St., Granville Double Lot w/ foundation- $37,50028.7 Acres-South of Granville on Route 22-$39,900Cty Route 23- 7 acre Building Lot-Western Views- $39,9003,000 +- feet along Mettowee River 54 +- Acres- $149,900283.6 acres- 80 +- tillable-most balance wooded-fabulous views-$499,000


GranvilleCountry Home

2-3 BR, 2 bath(depending on howyou set it up) 3acres,huge fenced

in area for garden. Backs up to Rail Trail!Looking to share a home withsomeone....this could work too. Kitchenset ups on both levels! $89,900

2008 this house was gutted and almostcompletely rebuilt. Shell is ready forfinishing. Siding , Roof, Windows, are in.Tub & Shower units are there. No plumbing,wiring, or interior finishing. yet. Ready to befinished by the new buyer. Intention was tomake 2 large bedrooms up with full bath andLR, DR, Kitchen, Laundry & Bath down.$44,900.

Absolutely Lovely Landscaped Lawn -madeup of 2 lots-(2 deeds) that this well kept 4 BR,1 1/2 bath home sits on. Foyer w/ unique carvedwoodwork and beautiful open stairway , LR w/wood burning FP, Formal DR w/ dental molding,spacious kitchen, 1/2 bath , deck & side porch-1st Floor. 2nd Floor- 4 BR’s, 1 full bath plusstairs to insulated and floored Attic. Wood floorsexcept kitchen & baths. Back deck w/ gashookup for grill. Gas Dryer. Being on the lawnyou would think you were out in the country.Red Slate Roof. 1 car barn/garage.

$139,900. REDUCED TO $129,900!

Wells, VT- Lovely 4 bedroom, 3 1/2 bath homeon 8.73 acres ! Sets way back from the road!Privacy! Wood Floors! Fireplace! Main floor-Breezeway, Great Room with eating area andkitchen, Formal DR, LR & 1/2 bath! Upper level-4 BR’s 2 baths! Basement- partially finishedwith bath & family room with sink & cupboards!Pool! Huge Covered Porch! 2 car attachedgarage! Close to Lake St. Catherine! Space foranimals! Many recent updates inside. Sellersare having new architectural shingles installed,and work done to porch! $275,000.

Hebron, NY-Views, Views,Views! You willlove this beautifulwell built capesitting on 10 +/-

acres at the top of a hill with awesome views!Features 2 bedrooms (with an unfinished roomthat could be a 3rd bedroom) 2 bathrooms,laundry room, wood floors, vaulted ceiling andwoodstove in the living room, 2 car garageand much more. $199,000.

Aiken Road-Fixer Upper-This house needslots of renovation. It is not an FHA, USDAproperty unless doing a 203K or the USDAversion of that. Land is nice and is on bothsides of the road. Mini farm with lots of animalsand space for animals. House is being livedin currently. Could make a very charminghome. $72,500.

Granville Village- With new business’sopening in the area it is an exciting time. Weare happy to be able to offer this newlyrenovated and updated property for sale. It iscurrently run as the Riverside Pub but also hasgreat potential for many things! Sitting highabove the Mettowee River it offers views! PublicParking plus Street Parking! Adjacent to 2 newbusiness’s ~ Edward’s Market and Edward’sLiquor Warehouse. Asking $99,900

Michael “Craig” Campbell RealtyMichael “Craig” Campbell RealtyMichael “Craig” Campbell RealtyMichael “Craig” Campbell RealtyMichael “Craig” Campbell Realty104 Quaker St, Granville, NY 12832

Licensed New York & Vermont Real Estate Brokerwww.michael-craig-campbell-realty.com

The Agency Where YOU’RE #1 • 518-642-2274

Michael C. Campbell, Licensed Real Estate Broker N.Y & VTSandra E. Campbell, Licensed Real Estate Salesperson N.YJulie Taylor, Licensed Associate Broker N.YCrystal A. Crossman, Licensed Real Estate Salesperson N.Y

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4 Acres Surround This Affordable Country Ranch. Onlyminutes to nearby Whitehall, NY or Fair Haven, VT. 2 fullbaths, large living room with cathedral ceiling. Deck, 2 car,oversized garage. Beautiful landscape, lawn, garden space.Bargain Priced at just $105,000.

Hartford. 48 acres. Super views!Long interior drive. 500’ town rd.front. Super home/camp site. Deer,turkeys, hunting. $48,800

Fort Edward. 100 acres. Long rd.front. Cultivated meadows, woods,stream. Wonderful views. Drilledwell, lots of wildlife. $129,900.

Fort Edward. 79 acres. Massivebarn, long rd. front. Super views,fenced pastures, fertile hay fields.Power. $169,000

10.5+/- Acres surround this circa1840, 8 room farmhouse. Meadow-land pond, woods. Needs completerehab. $69,900.

Only $59,000 live in one, rent theother. 2 family, room for a 3rd apart-ment. Many updates. OFF STREETPARKING. VERY AFFORDABLE!

GRANVILLE: 7.26 ACRES, DEKALB RD. MEADOWS, STREAM, WOODS, VIEWS, OWNER FINANCING .......................................................... $24,900GRANVILLE: 9.3 ACRES, CROSS RD. HARDWOOD FOREST, WILDLIFE ...... $24,000HARTFORD: 1.97 ACRES, RT. 40. SUPER VIEWS, DRILLED WELL ................ $24,500GRANVILLE: 2.4 ACRES, GILLESPIE POND. CANOE, FISH ........................... $24,900HEBRON: 1 +/- ACRE. WARNIC RD. 24’X42’ CONCRETE PAD, WELL, SEPTIC .............................................................................................. $25,900HEBRON: 2.8 ACRES. DRILLED WELL, BARN, SEPTIC, CONCRETE PAD ... $17,900HEBRON: 28.7 ACRES. BLOSSOM RD. NEAR VT BORDER, GREAT HUNTING, STONE WALL FENCES. MATURE FORESTLAND, POWER, PASTURES ........................................................................................ $49,900HEBRON: 35.9 ACRES. BOGTOWN RD. DEER, TURKEYS, LONG FRONTAGE ON BLACK CREEK/TROUT STREAM. POWER, PASTURE. MATURE WOODS ............................................................................................ $59,900

ATTENTION WATER LOVERS, INVESTORS! 4,000’ waterfront on the east shore of South Bay, LakeChamplain. 276 incredible acres. (not in the Adirondack Park.) 4,800’ road front, massive meadows,pastures, incredible views, forest, abundant wildlife. 40’x115’± livestock barn, outbuildings. 4 BR ranch,fireplace. Farm, hunt, boating, fishing, snowmobiling. $775,000.

Affordable, only $65,000! 4 bed-rooms, 2 baths, large enclosed porch,nice yard, patio, 2 car detached ga-rage.

3 br., 1 3/4 baths. 1994 modular.Full concrete basement. 2.5 coun-try acres. Large yard, huge porch.Only $115,000

Country cape. 4 br. kit., din. rm.,spacious liv. rm., 1 1/2 baths, 2car gar., barn, great yard. Moti-vated seller. Make offer $95,000

Country Ranch. 3 bedroom, oakkitchen, dining room combo, livingroom w/FP, 1½ baths, 2 decks, gar-den shed, nice yard. $88,000.

INVESTMENT OPPORTUNITY! These 3 properties, adjacent to each other, are within yards of Big LotsDepartment Store, the Cumberland Farms Store, Tractor Supply, and numerous businesses. They’re at 81Quaker St. (St. Rt. 149) house & lot, 60’x200+/- @$155,000 Granville, NY. 83 Quaker St., house & lot (60’x200’+/- @$185,000 & 85 Quaker St., house & lot 60’x190’+/- @$150,000. They’re zoned for a variety of com-mercial/retail uses. They’re in a high traffic/huge visibility location!!!

Owners Retiring. Cones PointStore & 18 Hole Miniature GolfCourse. Selling beer, wine, food,Lotto, etc. 3 acres with access toLake St. Catherine. Equipment in-cluded. $150,000.

Attention Hunters, Nature Lovers. 25 acres, trails, mixed forest, deer,small game. 2 sleeping lofts, bath & kitchen areas. Large living room,pine walls & floors, covered porch, electric & wood heat. Drilled well, noseptic. $65,000.

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views to the heavens, plus a delux master bath with steam shower, jet tub and tile floors. There are 2 1/2 upscale baths, aseperate laundry room, full walk out basement, wood or propane heat, 2 car garage, and a great workshop/wood shed.Surrounding the home are 16.44 inspirational acres, boasting a large meadow, manicured lawns, perennial gardens, woods,and views, views views. Situated on the end of a long driveway is your dream come true. $299,000. CHECK OUR WEB

King of the mountain, a magnificent 2,400 +/- sq. ft. masterpiece awaits the most discerning of buyers! Craftsmanship aboundsthroughout the interior of this elegantly appointed contemporary. It’s spectacular!!! You’ll be amazed by the endless amenities,including a fabulous center hall, intricately appointed open staircase, an extraordinary glass enclosed living room w/ shimmeringboard floors, a phenominal kitchen, and equally impressive dining room. There are 3-4 BR. including a sprawling master BR with

Custom Country Ranch Built in 2012. It’s loaded with special features! Fully applianced kitchen with granite counters, tile floors & hickorycabinets. Formal dining room & living room with hickory board floors. 3 bedrooms, master with custom bath. Huge 3 car garage with second level,ideal for home office, etc. 2 baths. Full basement with radiant heat & roughed in 3rd bath & drive in garage space. Detached 1 car garage (5 totalgarage spaces.) 1.5± landscaped acres. Only $234,000.

Two For The Price of One! You’ll get the house, and 2.84± acre lot, plus the adjoining 92’x166’± building lot, approximately 3.19 totalacres (separate deeds.) Recent improvements, new vinyl siding, 8 new windows, new central air, new furnace, new in-ground poolliner, new carpet. 3 bedroom, 1½ baths, fully applianced kitchen, hardwood floors, 2 finished basement rooms/family room with bar,32’x16’ in-ground pool. Minutes to Glens Falls, Lake George & Vermont Border! A Must See Property $188,000.

Michael C. Campbell,Licensed Real Estate Broker N.Y & VT

Sandra E. Campbell,Licensed Real Estate Salesperson N.Y

Julie Taylor,Licensed Associate Broker N.Y

Crystal A. Crossman, Licensed Real Estate Salesperson N.Y

2 Family Easily Converted to 1. Separate utilities. New furnace, new kitchen,new bath, replacement windows, new drywall, fully insulated, sparkling Georgiapine floors, French doors. Open staircase, ornate ceilings. garage, nice yard.Good income. Tenants pay heat/electric. Owner/Broker. $79,900.

Quality Abounds throughout this extraordinary contemporary! 2,300± sq. ft. plus a fabulous finished basementfamily room. Fully applianced oak kitchen, large sprawling living room with pine trimmed cathedral ceilings, bal-cony, year round sunroom, 3 bedroom, master with private bath/jet tub, skylights. 2.5 baths, board & tile floors,wood, oil or propane heat. 2 car garage, 3 decks, fantastic views. 5.93 acres with rights to Gillespie Pond. $224,000.

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Michael “Craig” Campbell RealtyMichael “Craig” Campbell RealtyMichael “Craig” Campbell RealtyMichael “Craig” Campbell RealtyMichael “Craig” Campbell Realty

104 Quaker St, Granville, NY 12832Licensed New York and

Vermont Real Estate Brokerwww.michael-craig-campbell-realty.com

The Agency Where YOU’RE #1

518-642-2274

Affordable at just $104,500. Top end, 1800± sq. ft. 4 bdrm. ranch.Huge liv. rm. with fplc/cathedral ceiling, deluxe applianced kit. withcenter island. Central Air Large master bedroom with private bath/jettub, walk in closet. Handicap ramp/deck. Great garden shed, nice yard.

Kingsbury, Minutes to Glens Falls. 1+ acre landscaped lot, groomedlawns, perennials, great views, blacktop drive. 3 bedroom, eat inkitchen, finished basement family room, with brick hearth. Screenedporch, with hot tub. Deck. Many dates. Great Value Buy! $154,000.

Circa 1929 Country Cape, featuring period moldings, French doors, sparklinghardwood floors, an inviting brick fireplace, kitchen with unique breakfastnook, dining room, 4 BR, 2 full baths, sun room, 1 & 2 car garages, lawn,meadow. $125,000. On the snowmobile trail system.

Breathtaking, 2 State Views. Numerous updates abound. 2-3bedrooms, 1½ baths, hardwood floors, glass enclosed porch, familyroom, central air, emergency back up generator system, fencedyard, garage. Reasonable at just $119,000.

“Hidden Meadow Farm,” 2 Homes for the Price of 1. You’ll discover a luxurious 2,380± sq. ft. log home master-piece. It’s top of the line, plus a beautiful 4 bedroom, circa 1880 eyebrow Colonial, a gambrel roof livestock/hay barn,numerous outbuildings, fantastic views, privacy, and 74 glorious acres. Hidden away off the beaten path, is

the farm’s name sake, a stunning “Hidden Meadow,” beneath a canopy of towering hardwood and fragrant evergreen trees. Itlooks like it should be on the cover of a famous story book. Deer, wild turkeys, and smaller woodland creatures frequent thismajestic farm. There is a pond and sensational views, overlooking the nearby Adirondack Mountains. The log home is loadedwith amenities. You’ll love the golden pine trimmed cathedral ceilings, the rugged log walls, and shimmering board floors.

Equally impressive is the beautiful red brick fireplace. There are 4 bedrooms, including amassive loft, able to accommodate numerous guests, 2 baths, custom hickory kitchen,formal dining room, a huge screened back yard porch, a rocking chair front porch, full base-ment, and 2 car garage. This is not your average log home. $595,000.

166.6 additional acres can be purchased for $334,000.

Best Value Buy, Cheaper Than Rent? A lovely country ranchfor only $87,500 - Motivated Seller! Family room with brick fire-place, slate floor, pine walls, 2 bedroom, 1.5 baths, eat in kitchen,finished basement office/den. Must see. Make An Offer!!

Wells, VT, Priced Right @ $169,000. Frontage on Mill Brook, mead-ows, groomed lawns, super views, 3 bedroom, 2½ baths, dining room,hardwood floors, huge deck, private, enormous 3 car garage. Wildlife,minutes to lakes, skiing, golf, Manchester, Rutland, and Granville, NY.

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NORNORNORNORNORTHEAST SATHEAST SATHEAST SATHEAST SATHEAST SATELLITE SALESTELLITE SALESTELLITE SALESTELLITE SALESTELLITE SALES

518-695-5309 • 518-695-4337http://northeastsatellitesales.com

KELLER WILLIAMS REALTY935 New Loudon Rd., Latham, NY 12110518-871-9935 --FAX: 866-931-5525www.BetheSellsLuxury.kwrealty.com Elizabeth Reynolds .......................................................... 222-3097

MARKERS OCTAGON REALTY8 River St., Hoosick Falls, NY 12090518-686-4200 -- FAX 686-5140E-Mail: [email protected]: Kendal Baker ................................................................... 686-4200 Marilyn K. Douglas .......................................................... 686-9707

NEW ENGLAND LAKESIDE REALTY, INC.25 QUaker St., Granville, NY 12832518-642-3220 - E-Mail: [email protected] M. Andrus ................................................................. 488-2060

PREBLE REALTY LLC4601 State Rte. 22, P.O. Box 550, Salem, NY 12865518-854-7888E-Mail: [email protected]: Christine Preble ........................................... 854-7888 Kristen Preble .............................................................. 854-7888 John Huntington .................................................... 518-854-7888 e-mail: [email protected]

COUNTRY PROPERTIES REAL ESTATE1 Second St., Cambridge, NY 12816518--677-3396 -- FAX 518-677-2659www.countrypropertiesre.comE-Mail:[email protected]: Judy Short, GRI, CBR ................................... 677-3396 e-mail: [email protected] Matthew Johnson ......................................................... 677-3635 e-mail: [email protected]

MICHAEL "CRAIG" CAMPBELL REALTY104 Quaker St., Granville, NY 12832518-642-2274 or 642-0590 -- FAX 518-642-1097www.MICHAEL-CRAIG-CAMPBELL-REALTY.COMREALTORS: Michael Craig Campbell, CBR ...................... 642-2274 Sandra Campbell, CBR ................................................... 642-2274 Julie Taylor ...................................................................... 642-2274 Crystal A. Crossman ....................................................... 642-2995 e-mail: [email protected]

D.C. REALTY73 Quaker St., Granville, NY 12832518-642-1862 -- FAX 642-0532E-Mail: [email protected] • Webpg: www.dcrealty.netREALTORS: Daniel Campbell, GRI, CBR .......................... 642-1862 Edmund Cucchi ............................................................ 361-0108

DEMARSH REAL ESTATE61 Elm St., Glens Falls, NY 12801518-793-4370--FAX 798-1979email:[email protected]: Tina Demarsh ........................................ 518-793-4370

DENIM & DEEDS REAL ESTATE133 Main St., Hoosick Falls, NY 12090518-686-4426 -- FAX 686-1755REALTORS: Gale E. Leva ................................................ 686-4426 Russell C. Bravata ................................................ 518-368-9514 Susan Lewsey ............................................................. 258-5818 e-mail:[email protected] Dianne Martelle-Longe ................................................. 479-9296 e-mail:[email protected] Donna Clifford .............................................................. 285-9972 e-mail:[email protected] Gail Marro ..................................................................... 369-7808 e-mail:[email protected] Vicki Gardner ................................................................ 495-5796 e-mail: [email protected]

ADIRONDACK COUNTRY HOMES REALTY, LLC462 Glen St., Glens Falls, NY 12801518-761-7900 FAX 518-761-25041098 US Rt.9, PO Box 488, Schroon Lake, NY 12870518-532-7900 FAX 518-532-9970E-Mail: [email protected]: Darleen March ............................................. 761-7900 John E. Gokey ............................................................... 532-9323

ALL- AMERICAN PROPERTIES.COM447 Glen St.., Glens Falls, NY 12801518-798-8555 • E-Mail: [email protected]: all-americanproperties.comREALTORS: Ted Wilson ................................................... 744-9945 Kim Bullard ....................................................................... 744-3555 Sherrill Hazelton ............................................................... 683-1716 Mary Van Leuven .............................................................. 796-5292 Tamara Sutphin ................................................................ 796-2211 Susan Kassal ................................................................... 222-0102 Kevin Enright ............................................................. 954-649-3878 Judith Tennant .................................................................. 744-4828 Bonnisue Neil ................................................................... 744-4824 Shelley Englert ......................................................... 518-812-5510 Janet L. M. DiManno ........................................................ 796-9710 Candice Seiler .................................................................. 222-2902 Jeffrey Spence .................................................................. 644-9000 James Stockwell ............................................................................ Martin Lacatena ............................................................... 860-7487 Bill Burke .......................................................................... 307-1170 Jill Brady .......................................................................... 932-8077 Richard Kline .................................................................... 744-6701 Krystle Sweetser .............................................................. 288-8046

LEON H. BARKLEY, LLC1 East Main St., Cambridge, NY 12816E-Mail: [email protected] - www.barkleyrealestate.comREALTOR: Leon H. Barkley .............................................. 677-3806 Melanie Casey ........................................................ 518-321-7194 e-mail: [email protected] Penny Spiezio ............................................................... 321-9767 e-mail: [email protected] Patricia Schaeffer ........................................................ 638-6862 e-mail: [email protected] Jerill Thomas .................................................................. 753-4336 e-mail: [email protected] Chris Cavaliere .............................................................. 859-0725 e-mail: [email protected] Alison Barney ....................................................... 518-677-3806 e-mail: [email protected] Dorothy Yurschak ................................................... 518-269-9006

BRYCE REAL ESTATE, INC.9 Duncan Lane, Troy, NY 12180518-271-7630--FAX 272-1616 • e-mail:[email protected]: Wallace Bryce .............................................. 271-7630

COLDWELL BANKER PRIME PROPERTIES178 Glen Street., Glens Falls, NY 12801518-222-6368 E-Mail: [email protected] William L. Lavery .................................................. 518-222-6368

CORLEW REALTY2243 Coach Rd., Argyle, NY 12809518-638-6473 -- FAX 518-638-6473E-Mail: [email protected]: Sandra Corlew, CBR, GRI .......................... 638-6473

COUNTRY HORIZON REALTY4 East Main St., Granville, NY 12832518-642-9030 -- FAX 518-642-0615www.countryhorizonrealty.netREALTORS: Rebecca Dittmeier, CBR, NY/VT Broker ..... 518-642-9030 Nancy Greene .......................................................... 518-744-1017 e-mail: [email protected] Linda Ross ............................................................... 518-361-5872 e-mail: [email protected] Joshua Thomas ........................................................ 518-642-9030 e-mail: [email protected]

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MEMBERSHIP ROSTER 2015

HERITAGE MANOR REALTY209 County Route 28, Hebron, NY 12832518-642-3664E-Mail: [email protected]: Robert Tressler

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If You Would Like More Information On Advertising In This Magazine, Please call Napaul Publishers, Inc. at

518-747-9535, Fax: 747-9529 or E-MAIL: [email protected]

K. WARD REALTY, LLC6 West Main Street, P.O. Box 453, Cambridge, NY 12816518-677-8650 -- FAX 677-3002E-Mail: [email protected]: Kathleen Ward .............................................. 225-7863 Monique D'Aiuto ............................................................. 677-8650 e-mail: [email protected] Denise Alaniz ................................................................. 225-8811 Nancy D. Whitcomb ....................................................... 225-3374 Michael Raffel ................................................................ 677-0232

PRUDENTIAL MANOR HOMES53 High Street, Hoosick Falls518-892-9427REALTORS: Rick Tinkham ............................................... 892-9427 Pamela Tinkham ............................................................. 701-5668 e-mail: [email protected] Loraine Robichaud ...................................................... 268-8165 e-mail: [email protected]

VAN AERNEM REALTY & ASSOCIATES77 Main St., Hudson Falls, NY 12839518-747-5685webpg: www.vanaernemrealestate.comREALTORS: Thomas Van Aernem .................................. 747-5685 e-mail: [email protected] Denison .................................................................... 747-5685 e-mail:[email protected] Howard Denison .......................................................... 747-5685 e-mail: [email protected] Merrill Sabo ................................................................... 747-5685

GLENS FALLS NATIONAL BANK & TRUST COCarla Johnson8646 State Rt. 22, Granville, NY 12832518-642-2930 • FAX 518-642-3194e-mail: [email protected]

COUNTRY LIVING from Farm Credit East2668 St. Rt. 7, Suite 36, Cobleskill, NY 12043518-296-8113 x 1722 - 1-800-327-6588 - FAX 518-296-8185Donna Phelan E-Mail: [email protected] Web: www.countrylivingloans.com

SARATOGA MORTGAGE CO., INC.Robert Kurtz - President345 Bay Road, Suite 201, Queensbury, NY 12804E-Mail: [email protected] • FAX 518-683-7022

2015 WASHINGTON COUNTY BOARD AFFILIATE MEMBERS

PAUL T. WANDERER REALTY Argyle Prof. Center, 39 Main St., Argyle, NY 12809518-638-9000 -- FAX 638-9001E-Mail: [email protected]: Paul T. Wanderer

EMPOWER MORTGAGE, LLC11 Computer Dr. West, Suite 214, Albany, NY 12205e-mail: [email protected]: 518-459-3239 • FAX 518-348-8500

Certified Mold SolutionsScott W. Renzi302 Waters Rd., East Greenbush, NY 12061518-330-2268e-mail: [email protected]

USDA OFFERS “NO DOWN PAYMENT” OPTIONS FOR RURAL NEW YORK HOME BUYERS –A USDA offi-cial announced that funds are available to help rural residents of New York buy or repair single family homes. “Expandingand preserving homeownership is a major part of the foundation for a stronger, more prosperous rural New York,” saidScott Collins, USDA Rural Development New York Acting State Director. “There is tremendous potential for New Yorkand these funds will contribute towards building safe communities that people can call home.” Funding is availablethrough two Rural Development housing programs; the Home Repair program and the Guaranteed and Direct Loan pro-gram. The Guaranteed Loan program assists lenders extend mortgages with affordable terms to low and moderate in-come homebuyers. Rural Development guarantees the loan, thereby reducing the lender’s risk and enabling them toprovide financing at more favorable rates and terms to families wishing to purchase a home. Guaranteed loans can bemade on either a new or existing home for up to one-hundred percent of the appraised value. Under the Direct loanprogram, applicants apply directly to USDA for loan assistance. No down payment is required and applicants may beeligible for payment assistance, which subsidizes the interest portion of the mortgage, lowering the overall monthlypayment. The Home Repair program offers very-low income homeowners loans and grants to make general home repairsor modifications, which may improve or modernize a home. The interest rate on these loans is one percent and themaximum term is 20 years. Applicants may obtain multiple loans, with a maximum outstanding loan amount at a giventime of $20,000. Grants are available to very-low income homeowners age 62 or older who cannot afford a loan. Grantsare limited to a lifetime assistance of $7,500 and must be used to remove health and safety hazards or make a home morehandicap accessible. These programs have been very successful by providing decent, safe, and sanitary housing in ruralNew York. For more information on these programs and how to apply, please contact our Greenwich office at (518) 692-9940 Ext. 4 or visit click here to find out more about USDA’s housing programs.

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