Local brokerage serving Franklin, Clinton and St. Lawrence CountiesCall (315) 250-4735
MGM Realty Group
Home Seller's Playbook

How to Sell Your North Country Home for Top Dollar

An introduction to pricing, preparation, marketing, and closing.

Selling a home is part marketing, part negotiation, part logistics. The pages that follow walk through every stage in plain language, with the numbers and timelines that apply to North Country, New York.

This guide introduces common steps in selling a home in St. Lawrence County, Franklin County. Ask MGM Realty Group LLC about current conditions and a plan for your property.

Chapter 1

Decide Whether (and When) to Sell

Your timeline drives every other decision in this guide.

The strongest buyer activity in our service area runs from late April through September — when roads are clear, properties show at their best, and buyers who want to be settled before winter are actively searching. That said, well-priced homes sell in every season; inventory is tight.

If your property has waterfront, a camp character, or strong seasonal appeal, listing in spring (April–June) captures buyers who want to enjoy the summer. If it is a four-season family home in a village, the season matters less than your price and presentation.

  • Check current SLCMLS days-on-market information for the property and relevant local listings.
  • Best showing-to-offer conversion: priced within 2% of the CMA midpoint.
  • Listings that take a price reduction take ~30 more days to close.
Chapter 2

Price It Right the First Time

The single biggest predictor of net proceeds.

We build a Comparative Market Analysis (CMA) using the last 90 days of sold comparable homes within a one-mile radius of yours, then adjust for square footage, condition, lot size, acreage, and out-buildings. The CMA gives us a target list price and a defendable floor.

Price too high and the home sits, accumulates days-on-market, and ultimately closes below what it would have if priced correctly from day one. The first 14 days are the most-active showing window of your entire listing — there is no second chance to make a first impression.

Chapter 3

Prepare the Home

Buyers form an opinion in the first 8 seconds.

Curb appeal, smell, and clutter are the three levers that move that opinion the most. Your goal is a clean, neutral canvas where buyers can imagine their own life. Spending $500 on small fixes routinely returns $5,000 at the offer table.

  • Remove ~30% of the contents of every closet and the garage.
  • Take down personal photos and political / religious items.
  • Touch up paint at door frames, baseboards, and high-traffic walls.
  • Pressure-wash the driveway, walkways, and siding.
  • Mow, edge, and refresh mulch beds.
  • Open every window 10 minutes before a showing; bake nothing scented.
  • Replace burnt-out bulbs; switch to bright, warm white throughout.
  • Service the furnace and post the receipt on the equipment.
Chapter 4

Required NY Seller Disclosures

What you legally have to tell buyers in New York.

New York Real Property Law §462 requires sellers of one-to-four family homes to deliver a completed Property Condition Disclosure Statement (PCDS) before the buyer signs a binding contract. The PCDS asks 56 questions about the home's condition. Sellers who do not deliver it must credit the buyer $500 at closing.

Federal law adds a Lead-Based Paint Disclosure for any home built before 1978. You must disclose any known lead-paint hazards, provide any reports, supply the EPA pamphlet, and allow the buyer a 10-day inspection window.

Chapter 5

Choose Your Listing Strategy

Listing term, agency type, and compensation — all tailored to your goals.

Every seller's situation is different — and your listing strategy should reflect that. At the listing appointment we will review your options in plain language, provide a written net-sheet so you can see exactly what you will walk away with, and help you choose the structure that makes the most sense for your timeline and priorities.

The key decisions below affect your buyer pool, your marketing investment, and your net proceeds. There is no one-size-fits-all answer — we will advise you based on current market conditions in your specific area.

Listing decision Why it matters
Buyer-broker compensation What you offer to the buyer's agent, if anything — disclosed in your contract and affects buyer pool
Listing term length Longer terms = more marketing runway; shorter = lower commitment
Exclusive vs. open listing Exclusive lets your agent invest fully in marketing
Chapter 6

Professional Marketing

Every listing we represent gets the full package — at no extra cost.

  • Professional HDR photography (35–50 images)
  • Drone aerials for properties with land or water frontage
  • Floor plan and room dimensions
  • Northern Adirondack MLS syndication to Zillow, Realtor.com, Redfin, Trulia, Homes.com
  • Dedicated single-property page on our website
  • Targeted social media campaign (Facebook + Instagram, geo-fenced)
  • Email blast to our buyer database and partner agent network
  • Open houses scheduled within the first 14 days
  • "Just listed" postcards to the surrounding neighborhood
Chapter 7

Showings & Feedback

How we keep the buyer pipeline moving.

We coordinate every showing through the MLS showing service. You receive a text the moment a request comes in and can confirm with one tap. Within 24 hours of every showing we collect written feedback from the buyer's agent and forward it to you.

Patterns in feedback are how we know whether to adjust price, staging, or marketing. After 7–10 showings without an offer, we sit down with you to discuss what the market is telling us.

  • Plan to be out of the house for every showing — buyers will not speak openly with the owner present.
  • Lights on, blinds open, soft music low.
  • Pets crated or off-site.
  • Counters cleared; bathrooms recently cleaned.
  • In winter, walkways and driveways shoveled and salted.
Chapter 8

Receiving & Negotiating Offers

Price is one of seven negotiable terms.

When an offer comes in, we present it with a written recommendation: accept, counter, or reject. We review the buyer's financing letter, evaluate the contingencies, and confirm proof of earnest funds.

In a multiple-offer situation we set a deadline for highest-and-best, then summarize every offer side-by-side in a single page so you can compare apples to apples.

  • Closing date and possession terms
  • Contingencies (financing, inspection, appraisal, sale-of-current-home)
  • Earnest money amount and timing
  • Personal-property inclusions and exclusions
  • Buyer concessions (closing-cost credits, repair credits)
  • Lender type (cash > conventional > FHA/VA/USDA in speed/certainty)
Chapter 9

Contract to Close

The 45–60 days from accepted offer to handing over keys.

In New York, the accepted offer is non-binding until both attorneys complete contract review. Your attorney converts the offer into a binding contract — typically within 3–5 business days. From binding contract to closing usually runs 45–60 days for a financed buyer and 14–30 days for a cash buyer.

Milestone Typical timing
Attorney review & binding contract Day 3–5
Inspection Day 7–10
Repair negotiation Day 12–17
Appraisal Day 14–28
Loan commitment / clear-to-close Day 35–50
Final walkthrough Within 24 hours of closing
Closing & deed transfer Day 45–60
Chapter 10

Estimated Seller Costs in NY

Plan for total seller costs of approximately 7%–9% of sale price.

Line item Typical amount
Brokerage commission Negotiated at listing
NY State transfer tax $4 per $1,000 of sale price (0.4%)
Seller attorney $750–$1,500
Title clearance / payoff fees $300–$500
Recording fees ~$250
Optional buyer concessions Negotiated case-by-case
Chapter 11

Closing Day

Sign, hand over the keys, and wire the proceeds.

Closing happens at the buyer's attorney's office or remotely. You sign the deed, the transfer documents, and the closing statement. Funds wire into your account within 24 hours.

  • Photo ID for every seller on title
  • Garage remotes, mailbox keys, alarm codes
  • Manuals and warranties for systems and appliances
  • Utility-account info for the buyer's transfer
  • Keys for every exterior door
  • Final water-meter reading scheduled with the municipality
Chapter 12

After You Sell

What happens in the days and months after closing.

Cancel your homeowner's insurance the day after closing — your attorney will provide a copy of the recorded deed for proof. File for any prorated property-tax refunds with the municipality.

If you are buying again, ask us about a leaseback or a same-day double closing. We coordinate dozens of these every year and can structure them so you never have to move twice.

At-a-Glance

The 60-Day Seller Timeline

From listing-agreement signature to closing-day wire.

  1. Day 0 — Listing agreement signed
    Photos scheduled; staging recommendations.
  2. Day 5–7 — Live on MLS
    Syndicates to Zillow, Realtor.com, Redfin, Trulia.
  3. Day 7–14 — Peak showing window
    Open house scheduled; first offers expected.
  4. Day 14–21 — Offer accepted
    Attorney review begins immediately.
  5. Day 17–25 — Binding contract
    Earnest money in escrow.
  6. Day 25–35 — Inspection & repair negotiation
    Buyer's lender orders appraisal.
  7. Day 50–60 — Closing
    Sign, wire proceeds, hand over keys.

Frequently Asked Questions

How long does it take to sell a home in North Country NY?

Review current SLCMLS listing activity and verified comparable sales with your agent. Pricing, condition, financing and the specific property affect timing; a regional estimate is not a guarantee.

What is my home worth?

Home values depend on location, size, condition, and recent comparable sales. We provide free, no-obligation Comparative Market Analyses based on actual MLS data — not automated estimates. Call (315) 250-4735 or visit /equity-report.

How is agent compensation handled?

Compensation is fully negotiable and not set by law. At the listing appointment we will walk through your options in plain language, with a written net-sheet for each, so you can make an informed decision. Everything is itemized in the listing agreement before you sign.

What disclosures do I have to make as a NY seller?

New York requires a Property Condition Disclosure Statement (PCDS) — 56 questions about the home's condition — before the buyer signs a binding contract; failure to deliver costs you a $500 credit at closing. Federal law adds a Lead-Based Paint Disclosure for any home built before 1978.

Should I do repairs and updates before listing?

High-ROI prep: paint, deep clean, declutter, light landscaping, fix obvious safety items. Skip kitchen/bath remodels right before listing — they rarely pay back. We walk every listing and tell you exactly what to do (and what not to).

Glossary

Glossary of Terms

PCDS
New York's Property Condition Disclosure Statement — 56 yes/no questions about the home's condition that sellers must give buyers before contract; failure to deliver costs you a $500 credit at closing.
Comparative Market Analysis (CMA)
A pricing analysis that uses recent sold, pending, and active comparable properties to recommend a list price. Free from any reputable agent.
Days on market (DOM)
How long a listing has been actively for sale. Use the listing's SLCMLS-reported value and current local activity rather than a fixed regional estimate.
Net sheet
A line-item estimate of what you'll walk away with at closing: sale price minus mortgage payoff, transfer tax, broker compensation, and closing costs. Should be on every offer.
Concessions
Money the seller agrees to credit the buyer at closing — most often to cover repairs or buyer closing costs. Program caps and permitted uses vary; confirm current lender and loan-program rules.
Title insurance
Lender's title policy protects the bank; an owner's title policy (optional but recommended) protects the buyer. Sellers typically pay for the owner's policy in NY.
Mortgage payoff
The total amount needed to fully satisfy your existing mortgage at closing — principal balance + interest accrued + any payoff fees. Order this 30 days before closing.

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Or download immediately — direct PDF link.

Let's get started.

Ready to talk numbers? Call Elisabeth Rowe at (315) 250-4735 or email admin@mgmrealtyny.com for a no-obligation home valuation. We will pull your CMA, walk the property, and give you an honest opinion of value — no pressure to list.

MGM Realty Group LLC sells homes across St. Lawrence County, Franklin County. Thank you for considering us.

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Required Disclosures & Compliance

Compliance & Legal Notices

Equal Housing Opportunity

MGM Realty Group LLC fully supports the principles of the federal Fair Housing Act and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex, familial status, disability, sexual orientation, gender identity, military status, age, or source of income. New York State law and federal Fair Housing law prohibit housing discrimination. Read the full NYS Department of State Fair Housing Notice at https://dos.ny.gov/system/files/documents/2025/03/nys-housing-and-anti-discrimination-notice_02.2025.pdf.

HUD Fair Housing →NY Fair Housing Notice →

NY Standard Operating Procedures

MGM Realty Group LLC prospective homebuyer information, including identification, buyer agreements, and mortgage pre-approval requirements, is available at /standard-operating-procedures Contact the brokerage for its current approved procedures.

NY SOP rule →

NY Agency Disclosure

New York State law requires real estate licensees to provide a written Agency Disclosure Form For Buyer and Seller at first substantive contact. The form explains four possible relationships: seller's agent (works for the seller), buyer's agent (works for the buyer), dual agent (works for both with informed written consent), and dual agent with designated sales agents (each side has their own designated agent within the same brokerage). Your MGM Realty Group agent will present this form before any substantive discussion of your transaction.

NY Agency Disclosure form →

Commission Negotiability

Real estate broker commissions are negotiable and are not set by law. Whether and how much compensation, if any, to offer to a buyer's broker is at the seller's discretion. MGM Realty Group LLC will discuss commission options at your listing appointment and explain the impact of each on your bottom line.

NY Property Condition Disclosure

New York Real Property Law §462 requires sellers of one-to-four family residential properties to deliver a completed Property Condition Disclosure Statement (PCDS) before the buyer signs a binding contract. Ask your attorney about current disclosure requirements and any exemptions that apply to your transaction. MGM Realty Group LLC will walk through the PCDS with you at the listing appointment.

NY PCDS form →

Lead-Based Paint Disclosure (pre-1978)

Federal law (42 U.S.C. §4852d) requires that the seller of any residential property built before 1978 disclose the presence of any known lead-based paint and lead-based paint hazards, provide any available reports, give the EPA pamphlet "Protect Your Family From Lead in Your Home," and allow a 10-day inspection window for buyers. Many North Country homes pre-date 1978; ask your agent about lead-paint inspection options.

EPA Lead Disclosure →

Accessibility

MGM Realty Group LLC is committed to digital accessibility. If you need this guide in an alternative format, encounter an accessibility issue, or need assistance with our website, please call (315) 250-4735 or contact us through the website. See our full Accessibility Statement at /accessibility

Our Accessibility Statement →WCAG 2.1 →

Informational Use Only

This guide is provided for informational purposes only and does not constitute legal, tax, or financial advice. Real estate transactions are subject to changing laws, lender requirements, and individual circumstances. Consult your attorney, lender, tax advisor, and MGM Realty Group LLC agent before making any decision based on the information in this guide.

MGM Realty Group LLC · Licensed NYS Real Estate Broker · 4 Randall Drive, Massena, NY 13662 · (315) 250-4735 · Equal Housing Opportunity. Information believed accurate but not warranted.

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