Health, Happiness & Homes : Kate Despins

Health, Happiness & Homes : Kate Despins Health, Happiness, and Homes is a page where dreams come true!! I am a full time agent! Thank you for your understanding.
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Due to COVID restrictions, all home buyers/renters should be pre-qualified, wear a mask, and sign a COVID form prior to viewing any property.

People: “So what exactly does a real estate agent do?”Me:Well, sometimes I convince a homeowner to spend an entire weeke...
06/07/2026

People:

“So what exactly does a real estate agent do?”

Me:

Well, sometimes I convince a homeowner to spend an entire weekend cleaning their house for people they have never met and probably won’t ever meet.

Then I bring complete strangers into that house.

Those strangers proceed to open closets, inspect cabinets, stare at the furnace, peek in the attic, flush toilets, judge the basement, and determine whether your home is worth $300,000 or if they should offer $250,000 because they don’t like the wallpaper in the half bath.

Then they leave and say things like:

“I loved the house, but the mailbox felt too close to the road.”

“The kitchen was perfect, but I got a weird vibe from the tree in the backyard.”

“The house checked every box, but I don’t think my cat would like the neighborhood.”

Once we find the perfect stranger who actually decides they love the house enough to spend a lot of money on it, we all get pretty happy!

A week or so later, another stranger shows up and tells us all what’s wrong with the house.

Then another stranger shows up and tells us what the house is REALLY worth.

Meanwhile, the attorneys start emailing each other in a language nobody understands but it’s a win, because we are in the communication chain.

Somewhere in the middle of all that, I answer 396 text messages, 76 emails, 121 phone calls, explain the same thing six different ways, find paperwork from 1987, track down a septic tank nobody knew existed, and try to figure out why the tax records say one thing, the survey says another, and the seller swears it’s something else entirely.

I spend a surprising amount of time discussing mold, wells, septic systems, squirrels, bats, property lines, water heaters, missing permits, mysterious pipes, abandoned oil tanks, and why nobody should panic until we know if there’s actually something to panic about.

I juggle buyers, sellers, deadlines, and insanity.

My phone, my walking take with me anywhere and everywhere hub of my existence is a permanent extension of my hands.

I answer every question, explain as we go, and connect buyers with reputable lenders, inspectors, and attorneys.

I routinely drive across three counties to unlock doors for people who may never actually buy a property.

And despite all of this…

I ABSOLUTELY LOVE IT!!! 😍

Because every once in a while, after months of chaos, stress, negotiations, inspections, repairs, appraisals, title issues, lender conditions, and a minor emotional breakdown from at least one person involved…

Someone gets the keys.

Someone gets the check.

And me? I get to do it all over again tomorrow.

Honestly, I don’t sell houses.

I professionally manage other people’s life decisions while carrying a giant keyring and pretending I know what day it is. 😂🏡🔑

Kate Despins
Health, Happiness & Homes
Coldwell Banker Sexton
16 College Street, Clinton NY
315-796-4732 (call or text anytime)
315-853-3535 (office)

06/05/2026

It was almost exactly a year ago that I met this amazing lady!!! And TODAY she is smiling ear to ear as she accepts her keys to her new home!! I could not be happier for her! This home screams family, which has been her priority since the day we met!! Her fur baby is going to love the yard, her grandchildren will love the pool, and she will be able to keep a closer watch on her mom. It’s everything she needs, and I hope and pray she has MANY years of happiness!! Congratulations my friend!! ❤️

Kate Despins
Coldwell Banker Sexton
16 College Street, Clinton
315-796-4732 (call or text anytime)
315-853-3535 (office number)

New on the Market
06/02/2026

New on the Market

Hey peeps!!! For those who say “I don’t want to pay lot rent”……but are paying $1,500+ for rent, and possibly sharing wal...
06/02/2026

Hey peeps!!! For those who say “I don’t want to pay lot rent”……but are paying $1,500+ for rent, and possibly sharing walls/floors/ceilings…….have you looked close at the math? One of the lenders I use created the attached breakdown as an example/estimate. Actual numbers may be slightly different - but if it’s worth finding out ….give him a call!!

I have TWO amazing homes for sale!!

BOTH are 3 bedrooms and 2 bathrooms

One on route 5 (Whitesboro School - for sale but also rentable at $1645/month) and one in Millgate Meadows (Clinton School)

I have links to both below!!! 👇 Thanks ☺️

Kate Despins
Coldwell Banker Sexton
16 College Street, Clinton
315-796-4732 (call or text anytime)
315-853-3535 (office)

New on the Market
06/01/2026

New on the Market

Congratulations to this amazing family on the purchase of their new home!!!!  It’s crazy how much can happen in just a f...
05/31/2026

Congratulations to this amazing family on the purchase of their new home!!!!

It’s crazy how much can happen in just a few months!! 😊

A relocation. A new house. And a baby on the way!! It’s a whole new world!!

So excited for them!!! And so honored to help them through it!! Congratulations!!!!

New on the Market
05/30/2026

New on the Market

New on the Market
05/29/2026

New on the Market

New on the Market
05/28/2026

New on the Market

What do you know - or want to know - about manufactured homes?  😁These two are ready to go!!! Financing is different - b...
05/28/2026

What do you know - or want to know - about manufactured homes? 😁

These two are ready to go!!!

Financing is different - but yes - you CAN finance these! Ask me for approved lenders such as MHD, Priority Funding, 21st Mortgage, and Approved Credit Services!

If a home is a 1995 or newer they will have a title, just like a car.

They should always have a data plate and a HUD sticker.

The HUD sticker is outside.

The data plate is inside. It is a paper with a map of the US on it. It can be found under the kitchen sink, in the primary bedroom closet, near the electric panel, or basically anywhere else a “paper” can stick…but these are the common places.

The seller should have a bill of sale if it’s had a previous owner.

Sales tax may be required if the home is brand new, but not if it’s used.

When you buy a manufactured home in a Manufactured Home Park, you actually own the house, and you “rent” the land. It’s called lot rent.

Most of the time you are not responsible for the taxes, however, as a homeowner, you do qualify for STAR (School Tax Relief) which is anywhere from 1-3 months worth of your lot rent (as an estimate). Not bad!!

Yes, you’ll have rules and regulations to follow, to make sure the overall community is
respectful of each other.

Yes, you have to apply and qualify to live in the community.

Yes, pets are usually allowed, but there might be limitations. (Less limitations than many apartments)

No, you don’t have to share any walls/floors/ceilings! It’s ALL YOURS! You can even paint the walls!!

If you feel like your rent is too high and you aren’t building any equity, a manufactured home might be a great steppingstone!

If you’re looking for one floor living, a manufactured home might be a great purchase for you!

Check out these two!! They are move in ready!!

School districts for these two are Clinton (Millgate Meadows in Clark Mills) and Whitesboro (Green Acres, just outside of North Utica)

Any other questions??

Call me - or your agent - and check them out!!

Kate Despins
Coldwell Banker Sexton
16 College St, Clinton
315-796-4732 (call or text anytime)
315-853-3535 (office)

Address

16 College Street
Kirkland, NY
13323

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