Tag Archives: Westchester Real Estate for Sale

Existing Sales Rise 5.6% In November According to NAR | Mt Kisco Real Estate

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Existing-home sales got back on an upward path in November, resuming a growth trend since bottoming in July, according to the National Association of REALTORS®.  

Existing-home sales, which are completed transactions that include single-family, townhomes, condominiums, and co-ops, rose 5.6 percent to a seasonally adjusted annual rate of 4.68 million in November from 4.43 million in October, but are 27.9 percent below the cyclical peak of 6.49 million in November 2009, which was the initial deadline for the first-time buyer tax credit. 

Lawrence Yun, NAR chief economist, is hopeful for 2011. “Continuing gains in home sales are encouraging, and the positive impact of steady job creation will more than trump some negative impact from a modest rise in mortgage interest rates, which remain historically favorable,” he said. 

Yun added that home buyers are responding to improved affordability conditions. “The relationship recently between mortgage interest rates, home prices and family income has been the most favorable on record for buying a home since we started measuring in 1970,” he said. “Therefore, the market is recovering, and we should trend up to a healthy, sustainable level in 2011.” 

The national median existing-home price for all housing types was $170,600 in November, up 0.4 percent from November 2009. Distressed homes have been a fairly stable market share, accounting for 33 percent of sales in November; they were 34 percent in October and 33 percent in November 2009. 

Foreclosures, which accounted for two-thirds of the distressed sales share, sold at a median discount of 15 percent in November, while short sales were discounted 10 percent in comparison with traditional home sales. 

Inventory Drops
Total housing inventory at the end of November fell 4.0 percent to 3.71 million existing homes available for sale, which represents a 9.5-month supply at the current sales pace, down from a 10.5-month supply in October. 

NAR President Ron Phipps said good buying opportunities will continue. “Traditionally there are far fewer buyers competing for properties at this time of the year, so serious buyers have a lot of opportunities during the winter months,” he said. “Buyers will enjoy favorable affordability conditions into the new year, although mortgage rates are expected to gradually rise as 2011 progresses.” 

According to Freddie Mac, the national average commitment rate for a 30-year, conventional, fixed-rate mortgage rose to 4.30 percent in November from a record low 4.23 percent in October; the rate was 4.88 percent in November 2009. 

“In the short term, mortgage interest rates should hover just above recent record lows, while home prices have generally stabilized following declines from 2007 through 2009,” Yun said. “Although mortgage interest rates have ticked up in recent weeks, overall conditions remain extremely favorable for buyers who can obtain credit.” 

A parallel NAR practitioner survey shows first-time buyers purchased 32 percent of homes in November, the same as in October, but are below a 51 percent share in November 2009 from the surge to beat the initial deadline for the first-time buyer tax credit. 

Investors accounted for 19 percent of transactions in November, also unchanged from October, but are up from 12 percent in November 2009; the balance of sales were to repeat buyers. All-cash sales were at 31 percent in November, up from 29 percent in October and 19 percent a year ago. “The elevated level of all-cash transactions continues to reflect tight credit market conditions,” Yun said. 

Single-Family Homes Sales Jump
Single-family home sales rose 6.7 percent to a seasonally adjusted annual rate of 4.15 million in November from 3.89 million in October, but are 27.3 percent below a surge to a 5.71 million cyclical peak in November 2009. The median existing single-family home price was $171,300 in November, which is 1.2 percent above a year ago. 

Existing condominium and co-op sales declined 1.9 percent to a seasonally adjusted annual rate of 530,000 in November from 540,000 in October, and are 32.2 percent below the 782,000-unit tax credit rush one year ago. The median existing condo price was $165,300 in November, down 5.5 percent from November 2009. “At the current stage of the housing cycle, condos are offering better deals for bargain hunters,” Yun said.

NAR

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Gas vs. Wood Burning Fireplaces | Bedford Hills NY Homes

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You plan to build your dream home. You’ve pored through home plan books, picked out the perfect design, found a beautiful lot in a great neighborhood and worked out a deal with a well-regarded builder.A wood-burning fireplace will appease the die-hard traditionalist in any group. After all, who doesn’t love the rustic scent and the popping sound of a home-brewed blaze? The smell and sound of a true fire evoke images – real or imagined – of cozying up in front of a crackling blaze after a particularly challenging snowball fight or a day of building snowmen.

After years of rental apartments and settling for less, you’ve earned this home. You’ve promised yourself some of the amenities you’ve always wanted and, not surprisingly, a few well-placed fireplaces top that list. Your new home will include a fireplace in the family room so that, after a day of sledding, the kids can warm chilled fingers and toes and hang soggy mittens and mufflers up to dry.

A second fireplace in the living room adds an elegant touch to formal gatherings, and in the master suite, yet another fireplace serves as a romantic backdrop. Perhaps even more important than adding some old-time charm and comfort to your new home, a fireplace also answers that nagging question, “Where will we hang the Christmas stockings?”

Before you settle down in front of a warm blaze with a comforting beverage and your favorite novel, you need to make an important decision about whether you want a gas or a wood-burning unit. Today’s marketplace offers new-home builders plenty of choices when it comes to fireplaces, and consumers need to study up before making a choice.

To choose which type of fireplace works best for you, learn the differences between the two and define your priorities.

Even today’s “old-fashioned” wood-burning fireplaces present more choices than those of the past. High-energy models from a number of manufacturers often include insulated fireboxes that keep cold outside air outside and trap warm air that would otherwise escape up the chimney or out the sides.

Many of these models also feature blower systems that redirect heated air from the chimney out into the room.

Because traditional wood-burning fireplaces can emit gases and particles that harm the environment into the air, some communities regulate or even prohibit them.

Heatilator offers an outside air kit system that reduces lost energy by using outside air for combustion.

Another option available with some wood-burning fireplaces is a filter that helps eliminate dust and smoke from inside air.

A gas fireplace, which combines ease of use with the heating ability of a furnace, will appeal to those people who cringe at the idea of prying themselves off the sofa every couple of hours to fetch another round of wood.

At the flick of a switch, you’ll enjoy the warmth of a realistic blaze. A couple more flicks of the switch adjust the flame height and heat output.

In recent years, gas fireplace manufacturers have worked hard to create a blaze that resembles a real fire. Ceramic logs, tall, dancing flames and burning “embers” underneath imitate traditional fires.

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Because gas units do not include a chimney, they also allow the homeowner some versatility when choosing a spot for the new fireplace.

How to Comply with Westchester’s New Well-Water Testing Law | Westchester Real Estate For Sale

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By Edward I. Sumber, Legal Counsel

On May 23, 2007, the County of Westchester adopted Local Law No. 7 of the year 2007 which is entitled “The Private Well-Water Testing Law”. The new Law becomes effective on November 19, 2007. Regulations contemplated by the new Law were published by the County of Westchester on Tuesday, September 18, 2007 and the Law and the Rules and Regulations are posted on the Health Department’s website at http://www.westchestergov.com/health/.

Why Was the New Law Necessary?

The new Law, also referred to as “Laws of Westchester County §707.0 et seq.” is intended to identify properties throughout Westchester County which are served by substandard water supplies so that purchasers of properties and tenants residing in properties served by wells with contaminants, are aware of the circumstances, can remediate and address the issues and so that the Health Department can make available to the public a “general compilation of water test results data arranged or identified by municipality or appropriate geographic area…”. In addition, the Department of Health may establish a public information and education program to assist the public in identifying the potential health affects of consuming contaminated water as well as suggesting water treatment techniques, equipment strategies and identifying funding sources available for treating water from private wells which have failed a water test.

Who Must Comply With the New Law?

There are three aspects to the Private Well-Water Testing Law:

1. §707.03 relates to water testing when a property served by well-water is sold in Westchester County;

2. §707.04 relates to water testing requirements for properties served by well-water which are leased; and

3. §707.05 relates to water testing requirements for new wells.

The burden of compliance with these new sections falls upon a seller of real property upon the sale of the property, the landlord in connection with the leasing of property and the owner of property at the time that a new well is installed.

Requirements upon Sale of Real Property

When a contract of sale for any property served by well-water in Westchester County is signed, the seller must cause a water test to be conducted, which will identify contaminants, constituents, substances, metals, inorganic or organic chemicals (all refered to as “Parameters”) which affect the drinking quality of the water. The seller is required to arrange and pay for the cost of the testing and within ten (10) days of the signing of the formal contract of sale, provide to the purchaser confirmation that the test has been ordered. Within five (5) days after the receipt of the water test results from a certified laboratory, the seller is required to deliver the well-water testing report to the purchaser. The purchaser and seller are required to certify in writing that they have received and reviewed the water-test results. The County Health Department must receive a copy of the test results directly from the certified laboratory.

If the test fails any of the primary parameters (bacteria/total coliform or e-coli, nitrates, arsenic, lead, primary organic contaminants, vinyl chloride or MTBE) the seller will have a choice to a) correct the condition to achieve safe levels of contaminants b) cancel the contract of sale and return the down payment or c) agree in writing to consummate the sale upon terms negotiated between the buyer and the seller.

In addition, the purchaser or seller can test for additional parameters which are not considered “Primary Parameters” and which are referred to in the Regulations as “Secondary Parameters” which affect taste and water quality. Such secondary parameters include pH, iron content, sodium content, chloride content, etc.

Water Testing for Leased Properties

Landlords will be required to test a private well on or before November 19, 2008 and once every five (5) years thereafter. Every new tenant of an apartment in Westchester which is provided with water from a private well is entitled to a copy of the test results whenever a new lease is entered into.

New Wells and Wells Not In Use

Prior to its first use, any new well must be tested and any well which is not in use for a period of five (5) years for drinking purposes must be tested if it is placed into use for a resident or owner.

Who Can Perform the Test?

The test can only be performed by a certified laboratory. The certified laboratory must designate an employee or authorized representative of the certified laboratory to collect

the water sample. The water sample cannot be submitted by the homeowner, by a Realtor or by any other party.

There are highly technical requirements for how the sample is to be obtained including the designation of sampling locations and particular requirements for lead analysis. The format of the report to be provided by the certified laboratory is specified by the Westchester County Department of Health and will include the maximum contaminant levels, guidelines, optimum ranges and other data. The data is required to be reported by the laboratory directly to the Department of Health and to the person who requested the test. Results will not be made available to the public. A list of certified laboratories will be created by the Westchester County Health Department and can be found at the Department’s website at www.westchestergov.com/health.

What is the Estimated Cost of the Testing?

The Questions and Answers promulgated by the Department of Health on September 18, 2007 indicate that the Department believes that the average cost of the well testing will be Four Hundred to Four Hundred Fifty ($400 – $450) Dollars. The seller is required to pay the cost and the Law specifically prohibits an agreement between buyer and seller that the test be waived (§707.09).

What About Contracts Entered Into Prior to November 19, 2007?

The Law provides that it is applicable only to contracts on or after Monday, November 19, 2007. It applies solely to properties which are served by private wells that are providing potable water for drinking purposes (not wells used strictly for watering lawns, etc.). If there was an accepted offer with respect to a property as of November 19, 2007 but formal contracts have not been entered into, the well testing Law will apply. The Law does not allow the seller to pass the costs onto the purchaser. If a test is completed by a seller and the sale is not consummated, the seller can use the test results for a period of one (1) year from the date of the original sample collection although the test for coliform is valid only for six (6) months from the date of the sample collection. In such cases in which a test was already obtained, the seller is required to provide a copy of the test results within ten (10) days of the execution of the subsequent contract.

What are the Penalties for Non-Compliance?

The Department of Health has the ability under the Law to impose heavy fines upon a non-compliant landlord or a seller of real property. Under §707.12, a seller, purchaser or lessor who violates the new Law is subject to a civil penalty not to exceed One Thousand ($1,000) Dollars. In addition, when a contaminated well is not remediated or a test is not provided by a seller to a purchaser or by a landlord to a tenant as required

by the new Law, the County can impose a fine of One Thousand ($1,000) Dollars per day for failure to provide potable water until the condition is corrected or remediated. In addition, any violation resulting from the failure of an owner or landlord to remediate a known condition within one (1) month of the initial violation date is subject to a penalty not to exceed Ten Thousand ($10,000) Dollars for each violation.

What Rights Do Tenants Have?

In the event that a landlord fails to provide potable water to a rented property, the tenant is granted the right under §707.06 to remediate the condition and obtain subsequent tests of the water and to offset the cost of any remediation and subsequent water tests against the rent payable under the lease.

What is the Role of the Realtor?

When originally drafted, the Law imposed upon Realtors and other state licensees an obligation to provide information and assure compliance with the new Law. Through the work of the Westchester County Board of Realtors, the County deleted the sections placing this obligation on State licensees.

Notwithstanding the deletion from the Law of the obligations of Realtors, the self-interest of Realtors to ensure that the transactions which they work to bring about are consummated will necessitate informing sellers and providing information about the new Law and how to bring about compliance.

The Westchester County Department of Health’s website should be accessed by every Realtor to download a copy of the new Private Well-Water Testing Law, the Regulations issued by the Commissioner of Health which are effective on the effective date of the Law (November 19, 2007), as well as the Frequently Asked Questions (“FAQs”) and Answers which are also available on the website. The FAQs are broken into fifteen (15) questions under “Applicability and General Requirements”, nine (9) questions under “Collection and Analysis of Samples” and eleven (11) questions under “Interpreting Test Results & Subsequent Actions”.

A review of these FAQs, the Law and the Regulations reveals that this Law is not simple and will no doubt cause compliance difficulties for some sellers and landlords as well as some unanticipated costs. The Department of Health has also issued a “Summary of Private Well-Water Testing Law” which includes a contact E-mail address for Ms. Nancy Birnbaum (neb1@westchestergov.com) to answer technical questions regarding the electronic transmission of data to the County

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Fair Housing Rules and Regulations in Westchester NY | Westchester NY Real Estate

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Westchester Putnam Association of REALTORS®, Inc.
60 South Broadway, White Plains, NY 10601
914.681.0833

INFORMATION ABOUT FAIR HOUSING IN REAL ESTATE TO WESTCHESTER HOMEBUYERS, RENTERS, SELLERS, AND APARTMENT OWNERS:

The Westchester Putnam Association of REALTORS, Inc., of which I am a member, has asked its member REALTORS to distribute this memo to everyone with whom they do business. The purpose is to promote better understanding of current fair housing laws and the ethical obligations of REALTORS.

Discrimination in the sale or rental of residential property based on race, color, religion, sex, national origin, age, familial and marital status, or disability is prohibited by one or more provisions of federal and state law. In addition, Westchester County and some individual communities have local fair housing laws to supplement the federal and state laws. An abstract of key federal, state, and county laws is printed on the reverse side of this memo.

Real estate agents are subject to these laws. If the real estate agent is also a REALTOR member of the Board of REALTORS, he or she is subject to the additional standard of total nondiscrimination that is a part of the REALTOR Code of Ethics. Violation of the Code leads to

disciplinary action against the REALTOR in addition to the penalties under applicable laws.

But real estate agents and REALTORS are not alone in being subject to the fair housing laws.

IT IS IMPORTANT FOR REAL ESTATE BUYERS AND SELLERS TO KNOW THAT THEY, TOO, ARE SUBJECT TO MOST PROVISIONS OF THE FEDERAL, STATE, OR LOCAL FAIR HOUSING LAWS WHETHER OR NOT A REAL ESTATE AGENT OR REALTOR IS INVOLVED IN THE TRANSACTION. IN PARTICULAR, RACIAL DISCRIMINATION BY ANYONE IN THE SALE OR RENTAL OF HOUSING IS A VIOLATION OF FEDERAL LAW. Although the sale or rental of real property is a private act, it is subject to fair housing laws. Ordinary buyers and sellers, “testers,” and regulatory agencies can and do take legal action against parties who do not deal on an equal opportunity basis. We hope this information clarifies our mutual responsibilities in fair housing. Thank you for your attention.

REALTOR® is a registered mark which identifies a professional in real estate who subscribes to a strict Code of Ethics as a member of the NATIONAL ASSOCIATION OF REALTORS®. SUMMARY OF IMPORTANT FAIR HOUSING LAWS

EXCERPTED FROM PUBLICATIONS OF THE NATIONAL ASSOCIATION OF REALTORS AND FROM A

WESTCHESTER REALTOR’S GUIDE TO FAIR HOUSING AND EQUAL OPPORTUNITY REAL ESTATE

The 1866 CIVIL RIGHTS ACT provided that:

“All citizens of the United States shall have the same rights, in every State and Territory, as is enjoyed by white citizens thereof to inherit, purchase, lease, sell, hold and convey real and personal property.”

On June 17, 1968, in the case of JONES v. MAYER, the United States Supreme Court held that the 1866 law prohibits “all racial discrimination, private as well as public, in the sale or rental of property.”

Thus, any individual, who feels he or she has been discriminated against, can immediately file a suit in Federal Court. The court can stop the sale of a house, or rental of an apartment, to someone else

or award damages and court costs.

The 1968 Supreme Court decision further held that the 1866 Act protects all individuals against the following:

1. Denial that housing is available for inspection, sale, or rent when it is really available.

2. Discrimination in the terms or conditions of sale or rental lease.

1968 FAIR HOUSING LAW

Title VIII of the Civil Rights Act of 1968 (the Federal Fair Housing Law), declared it a national policy to provide fair housing throughout the United States. This law and subsequent amendment makes discrimination based on race, color, religion, sex, or national origin illegal in connection with the sale or rental of most housing and any vacant land offered for residential construction or use. The Fair

Housing Law provides protection against the following acts, if they are based on race, color, religion, sex or national origin:

1. Refusal to sell or rent, to deal or negotiate with any person.

2. Denial of a loan or creation of different terms or conditions for home loans by commercial lenders, such as banks, savings and loan associations or insurance companies.

3. Discrimination, by advertising that housing is available only to persons of a certain race, color, religion, sex or national origin.

4. “Blockbusting” for profit i.e. persuading owners to sell or rent housing by telling them that minority groups are moving into the neighborhood.

5. Denial to anyone of the use of, or participation in, any real estate services such as brokers’ organizations, multiple listing services, or other facilities related to the selling or renting of housing.

NEW YORK STATE LAW

New York law prohibits discrimination in the sale, rental or lease of housing accommodations on the bases of race, color, creed, national origin, sex, disability, age or marital status by the owner, lessee, sublessee, or managing agent of housing accommodations or by real estate brokers and salepersons.

The law also prohibits discrimination in:

1. The terms, conditions or privileges of the sale, rental or lease or in the furnishing of facilities or services in connection with any housing accommodation;

2. The printing or circulating of any statement or publication or the use of any form of application or publication for the purchase, rental or lease of a housing accommodation.

There are certain limited exceptions to New York State’s Human Rights Law: (1) the rental of one and two family dwellings where the owners or their families reside in such dwellings, (2) the rental of

rooms in housing accommodations by owners or occupants where such persons or their families actually reside in such accommodations or (3) the rental of all rooms in a housing accommodation to persons of the same sex.

FAIR HOUSING AMENDMENTS ACT OF 1988

This Act strengthened the enforcement of the 1968 Fair Housing Law. It also provided substantial additional protection for disabled persons seeking housing, and limited restrictions on purchasers or

renters on account of familial status or age. Sellers or landlords who would decline to sell or rent to persons on account of handicap or familial status are advised to consult an attorney beforehand.

WESTCHESTER COUNTY HUMAN RIGHTS COMMISSION

In 1999 the Westchester County Board of Legislators passed a County Human Rights law and created a Human Rights Commission to enforce compliance and promote equal and fair opportunity in Westchester County. In addition to the protected

classes addressed in Federal and State law, the Westchester law also prohibits discrimination by owners and real estate agents based upon an individual’s alienage or citizenship status, or their

sexual orientation.

History of Mortgage Rates in North Salem NY | North Salem NY Real Estate

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We keep hearing that mortgage rates are the lowest in recorded history and it is true. Presently, the 30-year fixed rate on Zillow Mortgage Marketplace is 4.16 percent, the 15-year fixed is 3.56 percent and the 5/1 ARM is 3.03 percent.

Take a look at the history of the average 30-year fixed mortgage rate each year since 1972, when Freddie Mac started keeping track:

1972 – 7.38
1973 – 8.04
1974 – 9.19
1975 – 9.05
1976 – 8.87
1977 – 8.85
1978 – 9.64
1979 – 11.20
1980 – 13.74
1981 – 16.63
1982 – 16.04
1983 – 13.24
1984 – 13.88
1985 – 12.43
1986 – 10.19
1987 – 10.21
1988 – 10.34
1989 – 10.32
1990 – 10.13
1991 – 9.25
1992 – 8.39
1993 – 7.31
1994 – 8.38
1995 – 7.93
1996 – 7.81
1997 – 7.6
1998 – 6.94
1999 – 7.44
2000 – 8.05
2001 – 6.97
2002 – 6.54
2003 – 5.83
2004 – 5.84
2005 – 5.87
2006 – 6.41
2007 – 6.34
2008 – 6.03
2009 – 5.04

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Costs of Owning A Home with air conditioning In Pound Ridge NY | Pound Ridge Real Estate

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Hidden Costs Of Owning A Home in Pound Ridge, NY

Owning a home in Pound Ridge, NY is no different than anywhere else. The reality is, home ownership is not just about budgeting to cover your monthly mortgage payments and property tax, you also have a responsibility to care for your property- which means maintaining the foundation, structure and inner workings of your house, but also being prepared to pay for UNEXPECTED REPAIRS! Obviously this is easier said than done when money is tight, and you’re not a contractor or have your own live in handyman. Needless to say, whether you’ve owned your home for twenty years, or you’re considering becoming a homeowner for the first time, there are some absolutes that you should know how to fix yourself, budget for, and pay forward, to avoid catastrophic repairs & major surprise expenses!

Repairs to Fix IMMEDIATELY!

1. Don’t Ignore Electrical Inconveniences

Any electrical problem should be taken care of immediately to avoid potential blowouts or worse, A FIRE!

a) Dead Outlets: A sudden non functioning outlet (that does not go out from a blown fuse) could indicate a more serious problem such as a loose wire that could spark and cause serious damage. Get these problems checked out and repaired by a qualified electrician as soon as possible!
b) Dead Light Switch: A non functioning light switch (that does not go out from a blown fuse), could also mean something is shorting out inside the walls.
c) Excessive Static on TV or Radio: These malfunctions could indicate the house is not properly grounded (not safe)- which can cause even more serious problems down the line.
d) Strange Noise from a Major Appliance: Any electrical appliance (oven, stove, refrigerator) that starts humming should be repaired immediately!
e) Frayed Wires: Any frayed wires (exposed or not) should not be used and replaced immediately!

2. Deal with ALL Leaks

a) Ceiling Leaks & Water Damage: If you see water dripping from your ceiling, or if you see any discoloration due to water damage, you may have a small problem that is about to get much worse! Water takes the path of least least resistance, so just because you see discoloration in one spot, it does not mean that that is where the leak has originated. If there is a spot on your ceiling that gets wet more than once, or you see actual water dripping down, find the leak & get it repaired at once!
b) Pipes & Plumbing: A continually running toilet, a dripping sink, a leaky pipe under the sink, or any drips you hear in the wall, all should be repaired to avoid further damage, flooding and MOLD!

3. Maintain Your Heating & Cooling System (HVAC):

a) If you have central heating and air conditioning, have your system professionally maintained at least once a year to prolong the life and efficiency of your system. Have your filters & coils cleaned or replaced, and have your duct work swept. Heating and air conditioning repair and optimization is one solution that can benefit both the tenants and your wallet by improving the efficiency of the system and also decreasing energy consumption. You can check right here on JC’s Heating and Air systems provide ventilation as well as warming and cooling assistance. They are the best solution for dealing with the need for circulation and removal of contaminants and foul odors. This is just as important in an office where many people are sharing the same environment, as it is in large warehouses where the fumes and chemicals can be an unpleasant experience. When properly maintained, these systems offer comfortable environments in any sort of structure. Typically, a professional heating and air contractor will install a complete central system to service the entire building. This is great because with professional installation there is a far greater reliability and efficiency. The drawback is that when they are very large and complex they are difficult to maintain on one’s own. Instead they require a professional to come in and flush the ductwork and service the heat pump and cooling system. Fortunately, many contractors are available to provide continued maintenance after they have installed their products and so it is easy to set up a scheduled maintenance plan. For your commercial enterprise you are saving yourself and your tenants money by retaining this type of work. You will be able to reduce the energy bills that are paid every month because the heating and air unit does not have to work as hard to go through clogged ducts or overcome dirty coils. It is also saving money by eliminating the need for constant repair. It is a simple fact that a clean unit is an efficient unit and that means less calls to the service technicians and more trouble free operation.

b) If you have radiator heat, have the system flushed at least every other year to remove excess build up and air pockets that can decrease the efficiency of the system (not to mention causing that haunting banging sound).

c) Clean the filters of your window unit air conditioner once a month in the summer, and hose the coils at the beginning of each summer. Calling a company for air conditioning repair will save time and get you the professional help you need to make sure you get the best air conditioning service.

4. Mind Your Roof: Replace any missing shingles on your roof, and have any cracks or areas where water is pooling repaired before damage spreads or weakens that spot further. Roofing calculator helps to measure correctly and determine how much roofing material you need for your project.

5. Cracks in Your Foundation:You know what they say about relationships, well it holds true in your house as well! Make sure that any cracks in your foundation are sealed immediately to avoid water damage, mold or potential pest problems.

6. Seal Your Windows: Keep heat or cool air from escaping, avoid leaks and unwanted pests by keeping your windows properly sealed. Replace any old dried out caulking around the inside and outside of each window!

7. Keep Your Gutters Clean: Have your gutters completely cleaned 1-2 times each year to prevent clogs and avoid improper drainage. If the water backs up, it can seep under roof shingles, or the siding of your house and cause it to pull away. Visit GutterAdvantage-PA.com for professional service to clean and repair your gutters.

8. Seal Your Deck: Sealing your wood deck every two to three years is essential not only for looks, but it will prolong the life of the wood as well. If you do not reseal often enough, the wood will rot and the deck will need to be replaced- ouch!

9. Sweep Your Chimney: If you have a working fireplace, and use it often, it is important to have your chimney cap checked and your chimney swept once a year by a schoorsteenvegen. If an animal, debris or build up from use accumulates, it contribute to cracking the inside of the chimney- not to mention causing a major FIRE!

We’ve all heard the phrase little things mean a lot and nowhere is that more true than in the roller-coaster world of home ownership. While owning your own home is of course the proverbial American Dream, letting seemingly small things go can turn it into a nightmare. Spending money on small repairs now, can mean HUGE savings down the line. So the next time that roof starts to leak, know that it could turn into much more than just a drop in the bucket if you don’t fix it now!

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Owning a home in Pound Ridge, NY is no different than anywhere else

Robert Paul is a real estate agent with Prudential Holmes and Kennedy in Bedford, New York. I specialize in new homes, luxury homes, and first time home buyers, in Bedford, Armonk, Chappaqua, Pound Ridge, Lewisboro and North Salem. Give me call at 914-325-5758 for all your real estate needs.

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