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December 19, 2014 In Cooperation with Mid-Hudson MLS

Hudson Valley

The Women’s Council of Realtors® Dutchess

County Chapter annual holiday gala collecting

Toys for Tots and the installation of officers for

2015 was held at the Grandview on Monday,

December 1, 2014. Live music and entertain-

ment was provided by ‘Out of the Box’ featur-

ing Reggie Ward.

Outgoing co-President Nancy Martinelli was

master of ceremonies. She acknowledged the

work of the 2014 directors, committees, spon-

sors and affiliate members. She was apprecia-

tive to serve as co-president with Melissa Petti-

nella. Ms. Martinelli expressed gratitude for the

number of toys the attendees donated to the

Toys for Tots program underscoring one of the

Women’s Council of Realtors® tenets, the im-

portance of supporting the community.

Women’s Council of Realtors® dignitaries Ter-

ri Crozier, New York State Women’s Council

President and Roseanne Paggiotta Westchester

Empire chapter President attended the event.

Ms. Crozier administered the installation of

the 2015 Governing Board. New board mem-

bers are Helen Gordon, Angela Ingham, Kelly

Campbell and Rita White. Lisa Mannion was

installed as 2015 President.

The event was attended by over 100 real es-

tate industry professionals. Event sponsors in-

cluded Arnoff Moving and Storage, Chase, First

Call Restorations, First Call Home Inspection,

Jay Cantor Esq., Handel & Carlini Attorneys,

HomeBridge Mortgage, Hudson Valley Federal

Credit Union, Mid-Hudson Multiple Listing Ser-

vice LLC, Rhinebeck Bank, Toll Brothers and

Wells Fargo.

2015 Installation of Women’s Council of Realtors® Officers Photo Includes: (L to R) Lisa Mannion,

Helen Gordon,Angela Ingham,Kelly Campbell, Rita White and NY State President Terri Crozier

Women’s Council of Realtors® hosts annual Toys for

Tots toy drive and installation of officers holiday gala

ROYAL RICCI

A real estate company is like a home.The great ones have a strong foundation.Our real estate professionals come with a network of experience and are backed by themost admired and respected name in business, Berkshire Hathaway.

When you are ready to buy, sell, rent or invest, we are here for you... the #1 real estatecompany in the Hudson Valley for 22 consecutive years. Good to know.™

Get to know us at bhhshudsonvalley.com.PK-0000197068

2K FRIDAY, December 19, 2014 poughkeepsiejournal.com

You pull up to a house andyour Realtor opens the frontdoor. They then tell you thatthis house is a foreclosure.Youreyes instantly light up because inyour mind a foreclosure equalsa bargain. But is it? Some timesis it is but keep in mind the say-ing “you get what you pay for.”The former owner didn’t havethe money to pay for theirmortgage so of course theydidn’t have the money to takingcare of the house and make thenecessary repairs that poppedup. Therefore a foreclosure canbe riddled with problems thatyou might have to pay for thoserepairs in the future. Some ofthese homes are in pristinecondition but this is the excep-tion to the rule. Most homeshave deferred maintenanceissues from being neglectedfor a long time. Some hom-eowners are so frustrated withtheir situation, that they take itout on the house. They punchholes in the sheet rock, throwpaint on the carpeting, pull outall the garden beds, etc. Thatis why it is imperative to hirea very qualified home inspec-tor with a foreclosure who willpoint out the repairs requirednow and what might needed inthe future.When I was a Realtor back I

the 1990’s, I was involved withthree banks marketing their

foreclosure listings after a biground of layoffs in our area.The one thing I learned wasyou never knew what youwere going to get until you pullup to the house. Some were inmove in condition while othersneeded TNT instead of TLC.Most were neglected withlawns being three feet highand broken windows. Someof the strange things I encoun-tered was a snake aquariumwith missing snakes. When Isaw this it took less than fivesecond to run out the houseand call the police. The policecame with their guns drawn asthey entered the house. Theycame back out and called theanimal control departmentwho came and removedthree pythons.The next adventure was whenI walked into a home and therewere plates on the table thatstill had food on them and potsand pans on the stove thatwere half full. It appeared thatthe house was locked up fora year. I don’t want to tell youwhat happened when I openedthe refrigerator door. I can stillremember the odor I smelledfrom 30 years ago.

When I approach anotherhome I unlocked the door andopened it to find people sittingon the couch watching TV.Weshocked each other that morn-ing. The people knew they hadbeen evicted from the housebut were staying there until thelast possible minute.

Another time I dr ove intoa high-end neighborhood andpulled up to a beautiful home.

To my surprise they left every-thing behind. The wife left herentire wardrobe behind, includ-ing dresses, shoes, leather coats,fur coats and more shoes.Mostof the bedroom furniture wasleft behind as well as a univer-sal gym in the master bedroomsuite. I did find some informa-tion on the owners in some pa-pers left behind. I made somecall to her co-workers so Icould meet them at the houseto get their belongings butthey never reach out tocontact me.My job was to have all the

items removed from the houseand hire people to repair theproblems. Most of the homeswere not winterized (turn offand drain all the water fromthe house) so pipes burst dur-ing the winter. This caused allsorts of problems like the hardwood floors buckled, water-logged carpets, wet sheet rockwhere it met the floor, etc.The homes sit for months oreven years closed up so therewas always a mold issue. Somehome were beyond repair andwere sold as a “handyman spe-cial.” This meant that it was insuch bad shape, a bank wouldnot write a mortgage on thehouse. This also meant it wasa cash only deal. Contractorswould purchase home, repairit and put it on the market toflip it. I noticed one thing thatwas standard with a foreclo-sure was that the bank thatowned the property wantedto put as little money as pos-sible repairing a house beforeit could be sold to the average

buyer. They only did what wasnecessary to get it on the mar-ket and sold.I was at a Realtor event overthe summer and I ran into DonMaher of Berkshire HathawayHome Services Hudson Val-ley Properties and he claimedhe was busy working with abank selling their foreclosures.During our conversation Ifound out that foreclosuresare handled much differentlynow compared to when I didthem in the 90’s. In the 90’s theforeclosures were a local issuedue to layoffs and not a nation-al issue. The first wave camearound 1994 and the industrydidn’t know how to handle thevolume of foreclosures. It wasnew to the banking industry inour area and they used a ban-daid approach to repairing thehouse so they could get themoff of their books as fast as pos-sible. Due to the circumstancesof the “Great Recession”, thehousing crisis was not local is-sue but a national one. Banksnow want to work with thepotential buyers.This is what Don Maher said

on how foreclosures are han-dled these days.

Purchasing a foreclosedhome, or as they are called inthe industry REO (Real EstateOwned) properties, is muchlike buying from a private seller.When a corporate entity ownsa property all they want todo is to get it off their books.They are a financial institutionand not in the business of sell-ing properties. That being said

All real estate advertis-ing herein is subject to theFederal Fair Housing Act, whichmakes it illegal to advertise“any preference, limitation, ordiscrimination because of race,sex, handicap, familial status,or national origin, or intentionto make any such preference,limitation, or discrimination.”We will not knowingly acceptany advertising for real estatewhich is in violation of thelaw. All persons are herebyinformed that all dwellingsadvertised are available on anequal opportunity basis.

FOR ADVERTISINGINFORMATION:

PUBLISHER

BARRY ROTHFELD

[email protected]

845-437-4900

ADVERTISING DIRECTOR

JAN DEWEY

[email protected]

845-437-4975

ADVERTISING MANAGER

JEFF REIS

[email protected]

845-437-4754

ONLINE ADVERTISING

MANAGER

LIONEL JOHNSON

[email protected]

845-437-4832

MARKETING MANAGER

JEAN HARRIS

[email protected]

845-437-4712

Next Issue:Friday, Jan. 16Ad Deadline:Wed., Jan. 7

Paul ArroyMultimedia Real Estate Account [email protected]

845-451-4506 o845-459-7117 c

Buying a Foreclosure:Is It The Bargain You Thought It Was?

by Bill WalshMortgage OriginatorMid Hudson ValleyFederal Credit UnionNMLS# [email protected] cell

continued on page 9

FRIDAY, December 19, 2014 poughkeepsiejournal.com 3K

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SKY BLUE FARM

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details and showcasing supreme craftsmanship throughout. This is understatedelegance at its finest. Themain residence is complemented by a two-story 3,200 sq.ft.

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Kevin BattistoniAssociate Real Estate Brokerm: 914.489.2536 | 0: [email protected]

Brian McGrathAssociate Real Estate Broker

m: 845.721.0940 | 0: [email protected]

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Gorgeous Home Overlooking PondThe Hanover at 106 Cedar Avenue.Spackenkill schools! 3-4 bedroom colonialbuilt by Rieger Homes overlooking CedarPond! Open floor plan includes a formalliving room and dining room, family roomwith fireplace and eat-in kitchen withhardwood floors, island, granite tops &stainless steel GE appliances. Spaciousbedrooms include a master bedroom suitewith large walk-in closet, vaulted ceiling andmaster bath with double vanity. Qualityfeatures include central air, landscaping andwalk-out basement with windows and underslab plumbing for future half bath. Saveevery year on energy costs with this highperformance, energy-efficient home. MLS#335032$399,500

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“Frommy home to your home, I wish you and yoursa very happy holiday and healthy new year!”

Cape Cod minutes from TSP. Sit by the

fireside and read a good book on those

cold wintery days.And then enjoy a great

dinner cooked in your new kitchen. A

nice warm bath would be the finishing

touch in your 6 foot soaking tub.Oh, and

your home has been completely redone

from top to bottom! Priced to sell.MLS#

335061

Completely renovated! | $179,900 | LaGrange

On 1.6 acres in a great commuter

has been updated; BTHs, kitchen,

boiler, hot water heater, roof and new

gutters/leaders, carpeting & vinyl

windows. Sit outside on your porch

in the summer or keep warm by your

pellet stove in the winter. Set nicely

off the road.MLS# 329234

Super Country Cape! | $209,900 | LaGrange

[email protected]

m: 845.518.1905d: 845.244.2185 | o: 845.896.9000WWW.THEDONALDOFDUTCHESS.COM

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FOR All YOUR REAL ESTATE NEEDS

BHHSHUDSONVALLEY.COM

Hyde Park — $235,000Move-In Condition!

Newer three bedroom, two full bath home

built in 2007.Good size kitchen and living

room with a lower family room that has

HomePath property.MLS# 332334

Stormville — $207,000Close to all Commuter Routes!

Raised ranch featuring three bedrooms,

two full baths on 1.03 acres.

Fannie Mae HomePath property. MLS#

333225

T/Poughkeepsie — $249,900Colonial-Style Home!

Largefivebedroom,twoandahalf bathwith

updated hall and master baths. 2-car garage

with access from kitchen. Formal living

room and family room both with fireplaces

MaeHomePath property.MLS# 333354

PK-0000197072


one half bath colonial home to complete thiscommunity. Nestled directly at the foot ofMt. Beacon with amazing views across theHudson. Plans are in hand to build acustomized home with other plans available

find for the homeowner looking for hikingprivileges right outside their backdoor.Wake to the most amazing views ever!MLS#326822

Michele RiosASSOCIATE REAL ESTATE BROKERm: 845.242.5762 | o: [email protected]

WWW.MICHELERIOS.BHHSHUDSONVALLEY.COM

BEACON | $389,900 | CUL-DE-SAC!

years old and an amazing piece of history.

perfection. All is replaced, renovated and

property is parklike and the interior has the

into dining area with 9’ sliding glass door toside deck is perfect for entertaining. A mustsee! MLS#330205

BEACON | $379,900 | COLONIAL!

imagination. Would be perfect for a Bedand Breakfast or is perfect for the largefamily. With the amazing river views thisis a true gem. Multiple levels of livingspace. MLS#332223

BEACON | $379,900 | BEAUTIFUL RIVERVIEWS!

Totally updated and immaculate threebedroom, two and a half bath townhomewith mountain views, new roof (2014),freshly painted, newer windows, central air,vinyl privacy fence (2013), hardwoodinstalled (2014) and newer carpet inbedrooms. Great home ready to be moved

roadways or into town.MLS#334527

BEACON | $219, 900 | MINT CONDITION!

892 MAIN STREET | FISHKILL, NY 12524

Direct: 845.905.8755Email: [email protected]

Mobile: 845.505.6740WM

LaGrange | $311,000 | Huge Price Reduction!

Owners relocated,must sell! $4,000 seller concession toward closing costs and homewarranty! 4 bedroom, 2.5 bath, formal living room, formal dining room and family

of cabinets. Screened-in porch overlooking IGP with newer liner, full basement andattached 2-car garage. MLS#334386

WWW.MARYANNWILLIAMS.BHHSHUDSONVALLEY.COM

T/Poughkeepsie | $229,900 |ALot of Bang for Your Buck!

cabinets and counter tops and large windows overlooking a private, 2-tiered backyard.

Located in the Spackenkill area so your commute will be a breeze! MLS# 331970

PK-0000197073


Reliable,Loyal,

Trustworthy!Hyewon “Kim” Grundy, ABR

Real Estate Salesperson — Fluent in Korean

w w w. k i m g r u n d y . b h h s h u d s o n v a l l e y . c o m

d: 845.244.2180 | m: 845.527.4283 | f: [email protected] | 892 Main Street, Fishkill, NY 12524

Affordable Starter Home | $209,000 | C/Poughkeepsie3 bedrooms, 1.5 bath, bright living room with fireplace, hardwood floor throughout, central airconditioner, spacious basement, lots of storage space, oversized 2-car garage, close to everything;train station, hospitals, shops, restaurants and schools. MLS#331251

Spacious Colonial | $249,000 | T/Poughkeepsie4 bedroom, 2.5 bath in Arlington Heights, (previously Maple Knolls). Many Updates, spaciouseat-in kitchen, hardwood floor, entire house freshly painted, new patio,master bedroomw/walk-in closet & master bath, laundry upstairs, fenced backyard, HOA includes water/sewer, lawnservice, snow removal, garbage pickup, tennis, basketball courts & playground. Close to shops,restaurants, hospital & train station. MLS#329308

FOR EXCELLENT SERVICE BACKED BY 28 YEARS OFAWARD -W INN ING EXPER I ENCE !

situated on 5.75 wooded acres w/fabulous, hugebackyard. Open floor plan, spacious rooms, cook’sdelight kitchen,finishedbasement&HDWD.Easycommuter location.Don’t miss!MLS# 331374

(Office)(Mobile) 914.474.2523 | 845.905.8798

EvelynWeissASSOCIATE REAL ESTATE BROKERGRI, ABR

1100 Route 55, Suite 201, LaGrangeville, NY 12540 | evelynweiss.bhhshudsonvalley.com

[email protected]

$525,000 · LaGrangeGorgeous Home!

Glamorous open floor plan, 4BR, 3.5BTH,including main floor master suite w/huge WIC.Soaring ceilings, oak floors, 3-car garage & IGP.

-kill cul-de-sac.MLS# 326381

$659,000 · T/PoughkeepsieExceptional Custom Contemporary!

EvEEEEEEWarmest Wishes!

TRUST & CONFIDENCETHANK YOU FOR YOUR CONTINUED

Laura Cantor, ABR,SFR,SRESAssociate Real Estate Brokerm: 845.546.9000 | o: 845.244.2154e: [email protected] Main Street, Fishkill, NY 12524

Whether you are buying or selling real estate, I willgo the extra mile to give you the best possible experience.I love my job and my performance reflects that.

Past Performance is a Guaranteeof Future Success.Put me on your team & togetherwe will make it a winning team.

It’s a sign ofconfidence.

willerience.

Guarantee

It’s a sign ofconfidence.

SPECIALIZING IN ALL ASPECTS OF RESIDENTIALREAL ESTATE INCLUDING SHORT SALES.

PK-0000197074


m: 914.475.1300 | d: 845.244.2121e: [email protected]

Real Estate SalespersonDiane Shumway

EXPERIENCEMAKESDIFFERENCE.THE

$229,900 | T/Poughkeepsie | Super 3-Level Split!Situated on cul-de-sac but close to shopping,schools, trains. Loads of updates including largenew kitchen, baths, windows, central air, hardwoodfloors, blacktop drive. Huge deck overlooks aboveground pool and manicured yard. Don’t miss thisgreat home at a great price! MLS# 329957

$374,500 | Beacon | 2-Story Townhome!Great Southern Dutchess location. 3 bedroom, 2.5baths, FPL, spacious rooms, hardwood, oversizedmaster bedroom with his and hers WICs and more!Easy commute via I-84 and mins. from train stationsmakes this a commuter’s dream. Steps to clubhouse,workout room, pool and tennis. MLS# 330840

www.dianeshumway.bhhshudsonvalley.com | Office: 845.896.9000

#1 Name in Real Estate bhhshudsonvalley. c o m

YouWant A CareerThat Takes You Places.

Arl ington I Beacon I East Fishk i l l I Fishk i l l I LaGrange I Pawling I Rhinebeck

Rik BresciaFishkill | Beacon | 845.494.4088

Steven DomberLaGrange | Rhinebeck | 845.223.0747

Brian McGrathPawling | 845.855.8500

Diane ZaniEast Fishkill | Arlington | 914.489.2492

For a Confidential Interview

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Elizabeth“Betty”Maddock

m: 914.489.2964o: 845.223.0632

throughout. You will love the Open flow from the entry to the DR, to designer EIKthat offers a center island overlooking the FR w/FPL & SGD to over size deck

& views that you will always want to wake up to. At the end of day relax on the porch& enjoy the views. Mins to TSP. MLS#333366

ASSOCIATE REALESTATE BROKER

perfect landscaping. 2-story entry w/decorative wrought iron spindles, elegant LR opensinto DR, EIK w/upgraded cabinets & appliances w/center island, step down to FRw/FPL & rear staircase.Upper-level offers MBR w/WIC & spa-style BTH plus 3 largeBRs & BTH.MLS#329446

[email protected] | WWW.BETTYMADDOCK.BHHSHUDSONVALLEY.COM

2537 RTE 52, SUITE 1HOPEWELL JCT, NY 12533

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Beekman · $459,000 · Move Right In!

Beekman · $539,000 · WelcomeHome! Stunning!

d: 845.244.2158 m: 914.715.0070e: [email protected]

yvettemorzillo.bhhshudsonvalley.com

I create positive experiences for my clients and pride

myself on my ability to consummate and facilitate

transactions. With extraordinary customer service and

over 20 years of sales, management and marketing

experience, letmehelpyouwhetheryouare looking to

buy or sell a home.

Yvette MorzilloREAL ESTATE SALESPERSON

Working Hard to Welcome You Home!

Fishkill Office: 892 Main Street | Fishkill, NY 12524

Happy Holidays!

PK-0000197076


Frances ChiuABR, CRS, GRI, PMN, SRES, SFR, CNE,Associate Broker, RE/MAX Hall of Fame,Women’s Council President 2012,Dutchess Chapter

““YourYour Realtor for Life”Realtor for Life”Sold 714 homes since 1984Sold 714 homes since 1984

Direct: (845) 229-2613Direct: (845) 229-2613Office: 845-462-8990 Ext 702Office: 845-462-8990 Ext 702www.franceschiu.remaxagent.com

email: [email protected]

RE/MAX Realty Center1820 New Hackensack Rd #5Poughkeepsie, NY 12603PK

-0000196968

108 DIDDELL RD. WAPPINGERS FALLS, $225,000

SOLD

28 PEACOCK LANE, POK, $199,888

SOLD

15 QUAKER HILL DRIVE, HYDE PARK $209,888

SOLD

6 POTTER BEND, HYDE PARK, $229,888

SOLD

SOLD

135 ROOSEVELT RD, HYDE PARK $235,900

SOLD

28 SHAKER, HYDE PARK $239,888

SOLD

2 CURRY LANE, HYDE PARK $400,000

SOLD

162 BART, LAGRANGE $240,000

55 LIBERTY DR, HYDE PARK $85,000

SOLD

12 DORLAND, POK $129,888

SOLD

84 FAIRVIEW, POK $80,000

SOLD80 GRETNA RD, P/VALLEY $274,119

SOLD

54 WOODLAWN, POK $120,000

SOLD

30 PATRICIA LN,WOODSTOCK $289,500

SOLD

153 PINEBROOK ESTS, HYDE PARK $229,000

SOLD

33 BEECHWOOD AVE, POK $189,000

SOLD

Circa 1800 centerhall colonial w/charm & characterof yesteryear. Many original trim & woodwork. Arch ingreat room, solid wood doors, wide pine board floors,9’ high ceilings. Fireplace w/pellet stove insert + 4fireplace mantels. Large country kitchen w/gardenwindow. 1 Acre-level backyard. Commuter’s dream tometro north rr. Route 9. #325082

2408 ROUTE 9D, W/FALLS $218,500Move in ready for this 3 level split with 3 BRs,1.5 Baths. Freshly painted throughout, sparklingoak hardwood floors. Large FamRm for familyentertainment. New gas furnace installed 2009,new garage door & opener. Large level backyard forthe kids to play. Great central location, Town water,sewer, gas heat. Come & take a look! #332900

44 ROBIN RD, POK $184,888

IN CONTRACT

149 PINEBROOK DRIVE, HYDE PARK $219,888

NEW LISTING

Move in ready for this sought after Pinebrook Estates. 2BRS, 2.5 BTHS- two level townhome w/ open floor plan,full basement. Freshly painted interiors, hardwood floorson both levels, c-tile flooring in kitchen & baths. Master BRw/Jacuzzi bath & separate shower stall. Gas fired hot airheat & hot water. Backyard w/fruit trees overlooking largeyard & private wooded area. Low HOA fees. #334963

70 TAFT AVE, POUGHKEEPSIE $210,000Beautiful classic cape on 1.01 Acre in Pok! 4 BRS, 1.5 Baths, firstfloor with 9’ ceilings w/crown molding. Sun lit LR w/brick fireplace &woodstove hookup. Beautifully refinished oak hardwood floors. FamRmor office off LR with separate entrance and new deck. New flooring inkitchen and bath. Formal DR for dinner entertaining.Walk-out basementto spacious yard for family entertainment. Town Water/ Sewer, new oiltank. Minutes to Shopping Center and Stop & Shop. #331611

a bank will only list a property witha Real Estate agent and even moreto the point, a REO agent like myself.Banks do not know one market areafrom another and they rely on a verydetailed BPO (brokers price opinion).Much like a CMA (competitive mar-ket analysis) an agent would do for aprivate seller, the BPO delves a littledeeper into the areas in which the as-set is located. Things like employmentconditions, general market conditions,percent of renters vs owners in aneighborhood, how many homes inthe neighborhood are REO or evenboarded up, range of values in thearea. All these factor into a decisionon pricing the home. The BPO alsotakes into consideration every prop-erty condition. When I first arrive ata property I have to assess and pho-tograph anything and everything that

gives the bank information regardingthe asset. Roof, windows. Siding, me-chanicals, walls, floors and anythingthat can be visually assessed. Valuesare adjusted accordingly and I give myprice opinion both in “as is” and “asrepaired” condition. Immediately af-ter my BPO,a bank appraiser is sent tothe house for a 2nd opinion. Both re-ports are reviewed and a price pointis set by the bank. The bank knowswhat is wrong with the property andthe cost to repair it. The bottom lineis that the bank knows what they haveand it’s worth. Buyers coming in to“low ball” the house will soon know

that the bank is not as desperate tosell as some people think.

Financing companies require thehouse to be in livable condition to se-cure a mortgage. FHA loans are verypicky with the homes condition. Theycan’t have cracked windows, peelingpaint, rips in the carpet or holes in thewalls. These must be repaired beforeclosing. If a house is being marketedin “as is” condition, a FHA 203K loanmight be necessary. They will put themoney needed to repair the houseinto the mortgage so there will bemoney to repair the house after theclosing. They themselves can be com-plicated since you have to get contrac-tors estimates before the loan closesand money is released as the work isfinished. Conventional mortgage, de-pending on the lending institution,willallow some work to be finished afterthe home closes. Money to make the

repairs is kept in an “escrow account”and the money is released after therepairs are complete. Of course withcash you can strait out purchase theproperty no matter it’s condition. Iwill say cash is not a pressure point toreduce the price further. All closingsend with the seller getting cash or theequivalent (mortgage).As with any Real Estate purchase theold adage of“caveat emptor” or buyerbeware is common but it’s even moreimportant with buying a foreclosure.Although there are deals to be found,bank foreclosures are priced for theircondition and the market they are lo-cated in.We here in the Hudson Val-ley do have some things in our favor,employment locally is doing well anddue to our relatively short commuteto Westchester and NYC, our localReal Estate market is growing.

Don MaherAssociate BrokerBerkshire HathawayHome ServicesHudson Valley Properties845-518-1905 celldmaherbhhshudsonvalley.com

Buying a Foreclosure: Is It The Bargain You Thought It Was?continued from page 2


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REALTORS RAISE $4,000 FOR DUTCHESS OUTREACHThe Dutchess County Associ-

ation of Realtors (DCAR) host-ed its annual holiday fundraiserand luncheon on November13, 2014 at the Grandview inPoughkeepsie New York. Theevent raised over $4,000 incash and several boxes of foodproducts for Dutchess Out-reach. The event’s major spon-sors were Arnoff Moving andStorage, EverBank, Hudson Val-ley Federal Credit Union, Mid-Hudson Multiple Listing Service,R&C Cleaning, Rhinebeck Bankand Robin Home Inspection.The Realtors contributed vari-ous baskets, products and ser-vices that were raffled off toraise cash. In addition, there wasa live auction of some higher

value items as well. The com-mittee chair of DCAR coordi-nating the fundraiser is DessieHenion.Dutchess Outreach, estab-

lished in 1974, has helped thou-

sands of men, women and chil-dren with little or no income inobtaining basic needs.DutchessOutreach provides food, cloth-ing and assists in housing forthose in need. Brian Riddell, its

Executive Director addressedthe Realtors and affiliatesthanking them for their effortand the contribution they makeat this event and throughoutthe year.

Left photo: Dutchess Outreach executive director, Brian Riddell thanks Realtors® for

their donations. Right photo: Food collected by Realtors® for Dutchess Outreach.

ROYA

LRICCI


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(BPT) - You know that moving into a new home

can be one of life’s biggest stressors - the pack-

ing, the paperwork, the unpacking and of course

finding the nearest coffee shop.Making your new

house feel like your home can help alleviate some

of this stress and provide a safe-haven for some

much needed relaxation.

“Everyone has a different sense of what home

is,” says Elizabeth Lindmier of The Art Institute

of Colorado. So while the same aesthetic won’t

work for everyone, she offers her top five tips to

start you in the right direction.

1. Texture and textiles - Instead of having a

bunch of hard surfaces, cozy up your home with

something soft or textured.This could be a blan-

ket, curtains or area rugs. These items will also

provide some acoustical value so noises aren’t

echoing in an empty space.

2. Comfort - Have some place in your home

where you can relax, recharge and feel at ease.

“Make a space where you would like to spend

time,” Lindmier says.

3.Color - A monochromatic scheme with pops

of colors can bring you into a place where you

feel comfortable and happy. “Do your research

on color theory before painting any space,” says

Lindmier. “Different colors can spark different

moods, emotions and even behavior. Discover

what you’d like a given space to accomplish, and

use colors as a tool to create such environment.”

4. Lighting - There should be aesthetically pleas-

ing lighting. Look at the difference between

warm and cool lighting colors to decide what

helps achieve the look you want. Also consider

task, ambient and accent lighting for your space.

“Lighting plays a key role in any home,” Lindmier

says. “Through lighting design you can highlight

design and architectural features, create lighting

which is more useful to the human eye, and work

with natural light while keeping energy use to a

minimum.”

5.Clutter/stuff - “Less is more,but make it more

meaningful,” says Lindmier.Get rid of your clutter.

When sitting in your space, make sure you can

look around and adore the things you see.

“Mies van der Rohe’s old adage,‘less is more,’ cer-

tainly holds true here,” says Jackie Barry, Interior

Design instructor at The Art Institute of Hous-

ton - North.“Select significant pieces of furniture

and art to move.You don’t need to have or show

everything you have all in one room.”

Barry also advises incorporating a concept called

biophilic design, which recognizes the inherent

need of humans to interact and affiliate with

nature to achieve and maintain optimum health

and well-being.“Bring the outside in;don’t neglect

good views to the outside, accentuate them,” she

says. “Let your garden and landscaping work for

you on the inside. Connecting with nature can

also have a calming and a comforting effect.”

For more information about The Art Institutes,

visit artinstitutes.edu.

Expert tips to make your new house feel like home


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SERVING THE HUDSON VALLEY, NEW YORK AREA:Dutchess, Putnam, Westchester, Orange, Rockland, Sullivan, Ulster and Columbia Counties

www.C21AllianceGroup.com

WAPPINGERS:845.297.47001136 Route 9 #U-1,

Wappingers Falls, NY 12590

Renate PoggeLicensed Associate Broker

Elaine ThomasLicensed Associate Broker

PK-0000197156

OFFICE: (845)297-4700CELL: (845)803-2290EMAIL: [email protected]

LAGRANGEBEAUTIFUL STONE 4 BEDROOM CAPE SITUATEDON 1.1 PARKLIKE ACRES.MLS# 331126 $225,000

TOWN OF POUGHKEEPSIEIMMACULATE 3 BEDROOM, 2 BATH RANCH WITHINGROUND POOL AND CENTRAL AIR ON LOVELY .82 ACRE.MLS# 328234 $189,900

BEEKMANBEAUTIFUL 3 BEDROOM COLONIAL IN DALTONFARMS WITH OPEN FLOOR PLAN.MLS# 335147 $309,900

WAPPINGERPERFECT SET-UP FOR MOTHER/DAUGHTER. 4 BEDROOM, 2BATH SPACIOUS RANCH.MLS# 331776 $249,000F ISHKILL

Pristine model-like end unit with garage allows extra natural sunlight throughout.Large open floor plan to living room and dining room. Options include: hardwoodfloors, gourmet kitchen with granite countertops, stainless steel appliances. Hugemaster suite with master bath. Den perfect for overnight guest. Private spaciousbalcony overlooks large pond and great mountain views. This 55+ community hasall amenities: elevator, pool, clubhouse, gym and walk to shops, restaurants, movies,medical Center. Minutes to Metro North train and Hudson river.

MLS# 333651 $335,000

DIRECT: (845)590-6450FAX: (845)297-8718EMAIL: [email protected]

WWW.C21DUTCHESSHOMES.COM

“Top Service with the Personal Touch”“Service Is My Trademark”

LAGRANGE:845.485.2700476 Lauer Rd.

Poughkeepsie, NY 12603

New homebuyers checklist to ID costly repairs(BPT) - When you’re about to buy a house, it’s easy

to get excited about its great location, spacious floor

plan or beautifully decorated interior. Yet the old say-

ing, “beauty’s only skin deep” can apply to any home,

especially if you’re considering an older, previously

owned property. Before signing on the dotted line,

use this checklist to help avoid some potentially costly

surprises and anticipate repairs or upgrades that may

be needed.

Start at the top: the roof

Ask when the current roof was installed. Is it the origi-

nal roof, or has it been replaced, repaired, or covered

over with new shingles in certain spots? Are there

known leaks,and if so,where are they? Have any of the

leaks caused damage to the attic or interior? Also look

at the chimney to see if it’s properly sealed around the

edges and whether the gutters need repair.

Windows and doors

Next, take a look at the windows to see if there is any

condensation between the glass panes. If so, it could

mean window replacements are in order. Once you

get inside the house and close the front door, see if

any light is coming through between the edge of the

door opening and the wall. This gap is an indicator

that the door may need to be replaced since air can

escape through it and cause higher energy bills.

Lighting and electrical

Throughout the interior rooms, many homes are

“staged” to appeal to buyers with attractive lighting

that shows off the space to its best advantage. You

may love the way the lamps look in the bedroom, of-

fice or kitchen, but more importantly, check out how

many electrical outlets there are and whether they

are in convenient locations.Also,make sure you check

to see if the lamps are masking the fact that there are

no ceiling fixtures in each room.Will you need to rig

up extension cords or invest in electrical work in or-

der to support all the lamps, ceiling fixtures, appliances

and electronics you wish to use?

Get to the bottom of furnace efficiency

At the basement level, be sure to check out the heat-

ing system. If the current furnace is more than 10

years old, it may be operating at a much lower level of

efficiency than the latest manufacturing standards re-

quire, resulting in higher energy costs.Newer models,

such as Trane’s XC95m gas furnace, for example, can

operate at nearly 20 percent higher efficiency than

the government minimum standard, for the ultimate

in energy efficiency. A qualified Trane dealer can ad-

vise you on the best solution for any home.

Know what you can’t see: indoor air quality

One thing you can’t see is the quality of the home’s

indoor air. Nearly 72 trillion particles enter a home

every day,making the air inside up to five times more

polluted than the air outside.Adding a Trane CleanEf-

fects Air Cleaner to the heating and cooling system

can remove 99.98 percent of airborne particles in-

cluding dust, pollen, pet hair and dander, dust mites,

mildew, lint, fungus, most tobacco smoke, cooking

grease, and even bacteria from the filtered air - so

everyone in your new home can breathe easier.


Melissa PettinellaLicensed Associate R.E. Broker

Cell: 845.629.0922Century 21 Alliance Realty Group1136 Rte 9Wappingers Falls,NY 12590

135 North River Dr $349,900LOCATION LOCATION – Own a piece ofBEACON.Built in 2012 this bright 3 bedroomtownhome offers central air, hardwood floors,master bedroom with walk-in closet, eleganttiled master bath with double sinks. Livingroom with fireplace, slider to deck, Kitchenwith stainless appliances, large 2 car garage.Unfinished basement can be a great familyroom.This townhome has natural gas,water/sewer.A private communityw/ a clubhouse, pool & tennis courts.Nestled between Cold Spring &Beacon! Minutes to train and majorhighways.MLS# 333035

DUTCHESS COUNTY CHAPTERWe are a network of successful REALTORS®, empowering women toexercise their potential as entrepreneurs and industry leaders.

Ridgemont Dr $749,900Beautiful Homestead model on over 2 flat park likeacres.Nice open floor plan.Huge family room withbeautiful 2 story stone fireplace.Gourmet kitchenwith granite, island and breakfast niche.Large sun-room.Oversized living and dining rooms.1st flooroffice.Huge MBR suite with sitting room and 2 walkin closets.Luxurious master bathroom with Jacuzzitub and stand up shower.3 Large bedrooms andopen loft.Finished walkout basement with kitchen,full bath,2 rooms and SGD to patio.Possible mother/daughter.MLS# 332456

8 Clark St $235,000One can’t help but love the fabulous curb appealof this 3-bedroom home located on a quiet street.Lots of charm! Features include a traditionalliving room with built-in bookcases, fireplace,woodfloors, classic dining room, inviting new kitchenwith all new appliances dishwasher, gas range andrefrigerator. Enclosed three season patio leadsout to level fenced back yard.Walkingdistance to Mid Hudson RegionalHospital ofWestchester (St. FrancisHospital) and Marist College,Close toMetro North and Route 9.Possible rentw/option. MLS# 333174

Gioconda Ruggerio (914) 475-1094Real Estate Salesperson

Houlihan Lawrence Real Estate Center1989 Route 52, East Fishkill, NY 12533. 845-227-4400

Cell: (914) 582-2438

PK-0000196963

Lisa MannionLicensed Associate R.E. Broker

Houlihan Lawrence Real Estate Center1989 Route 52, East Fishkill, NY

12533.

Cell: (914) 582-2438

234OsborneHill Rd $245,000Great spacious renovated ranch, includeskitchen with granite counter tops, stainlesssteel appliances,bathroom with newceramic tiles,new shower and sink,beautifularched doorways,fireplace in living roomto enjoy cozy evenings, close to I-84 andtransportation. A must see.MLS# 333555

UnionVale $489,000Be wowed by the 70 mile views this 4 BR,3.5 bath brick faced colonial has to offer.Hdwdfloors, stone FP, ceramic tile floors and 3 cargarage are sure to please.Quiet cul-de-sac forprivacy.Arlington schools.MLS# 329433

1 Fox Run $359,000You will be delighted with this impressiveColonial home on over an acre of beautifulproperty.This home features 3 bedrooms andBonus room,with 3 baths, sunroom and hugefamily room.Plenty of storage and extraspace with lots of conveniences.Many updatesinclude roof, siding, kitchen, flooring and moreall within the last few years.You will not be disappointed bythis home.Come see it today!MLS# 334128

Angela InghamReal Estate SalespersonCell: 845-416-3845Berkshire Hathaway HomeServicesHudsonValley Properties892 Main Street, Fishkill NY 12524

RitaWhiteLicensed Associate R.E. BrokerCell: 914-456-7297KellerWilliams Realty Partners2 OldTomahawk Street,YorktownHeights, NY 10598

Nancy MartinelliCell: 914-474-6657Licensed Associate R.E. Broker

Century 21 Alliance Realty Group914.474-66571136 Route 9,Wappingers Falls,NY 12590

MikeDeckerCertified Mortgage Planning Specialist, FHA & 203K Rehab Loan ExpertFairway Mortgage845 590 MIKE

November ’14

November ’13

Change

Current ClosedSales

148

132

12.1%

CurrentAverageSold Price

$299,347

$309,524

-3.3%

Current MedianSold Price

$247,462

$254,500

-2.8%

Available Listings1st of Month

2066

1933

6.9%

Purchase Offers1st of Month

198

188

5.3%

Average DaysonMarket

138

122

13.1%

Y-T-DMedianSold Price

$246,997

$247,250

-0.1%

Y-T-DAverageSold Price

$296,134

$304,257

-2.7%

Stats provided bySandyTamboneExecutiveOfficer

November 2014 Sales Statistics

November ’14 - $475,887,179November ’13 - $490,462,718

Change -3.0%

Year-to-Date SalesDollar Volume


CENTURY 21 Serino RealtyPhone: 845.229.1400

Hablo Espanol

Serino RealtyWhen Experience & PersonalAttention Matter .. CallSue Serino

NYS Lic. Real Estate Broker

PK-0000197064

TOTALLY RENOVATED $229,000Bright, spacious updated home in great neighborhood. Largecape, 1800 sq ft in the village featuring 4 bedroom, 2 fullbathrooms which were newly renovated. Brand new kitchen,new appliances, central air, refinished hardwood floors, freshlypainted, new roof, new garage door ½ of the basement hasceramic tile. V/Hyde ParkMLS# 334900

CONTEMPORARY RAISED RANCH $230,000Beautiful contemporary style raised ranch with open floor plan.Home is inmove in conditionwithmany updates. Recently painted,hardwood floor installed in sunroom, new appliances, generatorhookup installed and more, vaulted ceilings and skylights, greatfamily room w/fireplace and sliders to patio/backyard. City water,city sewer. Wappingers FallsMLS# 331304

BRICK RANCH $257,000Custom brick ranch situated on over 1 acre on cul-de-sac.

Home features foyer, living room w/fireplace, formal dining

room, EI Kitchen, 3 bedroom, den, 2 baths, 2 car garage all

on one level. Central Air, hardwood floors T/Poughkeepsie

MLS# 333381

NEW LISTING $249,900Location – beautiful 3 bedroom home close to all amenities

and commuter routes. Spacious kitchen and dining area which

opens up to a beautiful 4 season room, includes central air.

Backyard has a park like setting with A/G pool and deck. T/

Wappingers FallsMLS# 330971

GREAT BUY $149,900What a deal….nice raised ranch with lots of potential….sold as

is but for anyone handy this is a great buy….4 bedroom, 2 full

baths in a family neighborhood close to stores and restaurants

in the historic village of Hyde ParkMLS# 334508

SPACKENKILL $219,900This bilevel home features 3 bedrooms, a double entry masterbath, large front to back family room, updated kitchen withtons of cabinets, kitchen opens to a huge deck, fenced inback yard, refinished hardwood floors, freshly painted, newersiding, windows, roof, furnace & hot water heater, new garagedoor and opener. Great neighborhood on a quieter street. T/Poughkeepsie,NY.MLS# 330347

ONE LEVEL LIVING $239,900Well constructed country ranch with updated roof, siding,

ledgerock fireplace in living room. This home has been well

taken care of. You won’t be disappointed – close to all major

roads, trains, etc. T/Wappingers Falls, NYMLS# 334200

ARLINGTON SCHOOLS $242,900Freshly painted and well maintained 4 bedroom, 2 bath home,just 7 min drive from the TSP. Entertain in the beautiful greatroom with vaulted ceiling and double deck to backyard. EIKwith oak cabinets, hardwoods throughout main level and nicelylandscaped yard, 2.5 car garage. T/Poughkeepsie.MLS# 333161

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PK-0000196985

EXIT RealtyConnectionsof Wappingers Falls

In conjunction with

EXIT Elite RealtyGroup

of Clifton Park

Have a 100% proven

track record of relocating

Hudson Valley Residents

to the Clifton Park area

Including those relocating

to Global Foundries

EXIT REALTY CONNECTIONS2790 W Main St

Wappingers Falls, NY 12590

Monica Whitney, Broker/Owner

845-518-7589

www.monica.exitrealtyconnections.commonica@exitrealtyconnections.com

One of our numerous relocation clients sold thisbeautiful home in Dutchess County

And bought this charming home inSaratoga County

We also service Westchester, Putnam, Rockland andOrange Counties

Let theEXIT experts help make yourtransition a smooth one, contact us today!Season’s Greetings


9B Hudson Harbour DrivePoughkeepsie, NY 12601

(845) 473-2226hudsonharbourapthomes.com

Spacious 1 Bedroom Lofts & 1, 2 Bedroom1.5 Bath Townhouses Available

Step out of the ordinary and into the Town of

Poughkeepsie’s one-of-a-kind luxury rental

community. Hudson Harbour is nestled in a lush

green valley and convenient to shopping, dining,

popular entertainment as well as the Spackenkill

school district. Our community features premier

amenities at an affordable price.

Hudson Harbour offers eight elegant and spacious

floor plans including lofts and townhomes

designed to compliment your individual lifestyle.

Imagine a magnificent home with designer features

like cathedral ceilings, sky lights, breakfast bars,

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Enjoy the peace and quiet of your own home or a

nice barbeque outside with friends and neighbors.

• Updated Kitchens & Baths

• Washer & Dryer

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• Water, Sewer, Trash, Heat, HotWater INCLUDED!*

• Spackenkill Central School District

• On-site Amenities

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• We are a Pet FriendlyCommunity

• 24 hour EmergencyMaintenance

• Managed by professional andexperienced staff

• 20' Cathedral Ceilings*

$150.00 Security DepositSpecial for Qualified Applicants*On Select Units Only

PK-0000196827


CENTURY 21 Alliance Groupis proud to announce ournew location at 476 Lauer

Road in LaGrange

The #1 CENTURY 21

Broker in the

Mid Hudson Valley

845-297-4700 |www.c21alliancegroup.com | 845-485-2700PK-0000196962

Alliance Realty Group

FROMOUR FAMILY TO YOUR FAMILY

Happy Holidays!

Serving Dutchess, Ulster, Orange, Westchester, and Putnam Counties.

SMARTER, BOLDER, FASTER!

Rt 55 & Lauer Rd (Next to Mobil)

Lauer R

dDr. Fink Rd

Freedom Plains Rd

LaGrangeTownCenter

TaconicStateParkway

Rt 55

Rt 55

Rt 55

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