Pinellas County Topics

Archives


%VIEW_COUNT% views

Pinellas County

What’s Insurance when buying Pinellas County Waterfront Homes?

Why Can’t you tell me what my Home Insurance will be on Pinellas County Waterfront Homes

Clearwater Beach FL - As your Pinellas County waterfront homes and luxury beach specialist I’m here today answering another question about home insurance when buying Pinellas County waterfront homes.

Question –  How come you can’t tell me what my home insurance will be when I’m buying a  waterfront home in Tampa Bay?

Answer – Because what happens is that they need you to have the elevation certificate done then depending on what  the home’s elevation is (how far above sea level) in conjunction with some other factors as far as if it’s been updated (hint: newer roof or windows definitely helps) along with any wind mitigation discounts then you can get an accurate quote.

Because home insurance here is regulated by FEMA’s insurance rules regulations the insurance company cannot even give us a ballpark quote until they seen the elevation certificate. That’s one of the main reasons that we actually work with our clients to get their surveying elevation certificate done early in the home buying processa. In addtion we can protect you from the unknown with an insurance addendum. I’d be happy to explain more about how this works – however be aware – if you don’t have this kind of protection and the insurance comes in much higher than you’re prepared to pay – you’re stuck. Just one more reason why working with  Pinellas County Waterfront & Luxury specialist like us protects your best interests. I’m happy to tell you more about that but that’s the reason why when you’re looking when from property you really won’t know what your insurances until you do the survey and get the elevation certificate.

What other questions do you have about buying or selling waterfront homes and condos in Pinellas County?? Ask below and we’ll add it to our series of questions and answers – also let us know if this information is helpful for you please.

P.S. If you are thinking of buying or selling a waterfront homes in the Tampa Bay area and value hard work, knowledge and results then please give Jack and I a call at 727-710-8036 to see how we can best help you. We’re committed to delivering Results daily based on Integrity, Knowledge and Experience – helping you buy or sell your luxury or waterfront home in Pinellas County   

jknge Whats Insurance when buying Pinellas County Waterfront Homes?

We’d like to be YOUR Pinellas County Waterfront & Luxury Real Estate team! Call us today…

Warmly,
Cyndee and Jack Haydon, Realtors
Charles Rutenberg Realty
1545 S. Belcher Rd
Clearwater Florida 33764
727-710-8035 (Cyndee’s cell)
727-710-8036 (Jack’s cell)

Check out our other Tampa Bay Waterfront and Beach Client testimonials here > http://www.sandbarstosunsets.com/clients/

CLHMS 125x125 1187628351 9876 Whats Insurance when buying Pinellas County Waterfront Homes? SFR cmyk Whats Insurance when buying Pinellas County Waterfront Homes? bdg premier agent lg Whats Insurance when buying Pinellas County Waterfront Homes?

 Whats Insurance when buying Pinellas County Waterfront Homes?

About Cyndee Haydon

Cyndee Haydon, Future Home Realty - Realtor | Estate Agent specializing in selling Luxury homes and beach condos from Clearwater Beach to St Pete Beach - 26 miles of paradise. (727) 710-8035 Cyndee's Google Profile

Posted by Cyndee Haydon | Currently No Comments »

Guide to Buying Waterfront Homes in Pinellas County & Beaches

Buying Waterfront Homes in Pinellas County – Understanding Seawall Costs & Seawall Inspections

Madeira Beach Florida – If you are looking at waterfront homes in Pinellas County you need to be working with a local Realtor that understands potential issues of buying a waterfront home. Today I wanted to share a video and  kick off our Guide to Buying Waterfront Homes in Pinellas County to help people looking to buy waterfront property here in Tampa Bay especially along our beaches from Clearwater Beach ato St Pete Beach.

Guide to Buying Waterfront Homes in Tampa Bay – Part 1 – Understanding Seawalls

 

We have great Tampa Bay beach neighborhoods for boaters here however many of the waterfront homes along our beach communities were built in the 1950′s and 1960′s and while seawalls may have a life of around 40 years you can still run across many original seawalls when you’re looking at waterfront homes for sale in Madeira Beach, Treasure Island, Redington Beach, Indian Rocks area and Clearwater Beach  / Island Estates area.

There are several ways to maintain or reinforce seawalls from patching, having rip rap, capping or replacing so you’ll want to understand your all your options and also understand what upcoming work is needed if you are looking at buying a waterfront home from Tarpon Springs to Tierra Verde we can help.

Part 2 of our guide with video covers -  Buying Pinellas County Waterfront homes – How Seawall Inspection Saved Buyer $10,000+  I discuss the importance of finding out the condition of a home’s existing seawall as well as the current costs for seawall  maintenance, repair or replacement when buying a Pinellas County home on the water. I also share how buy knowing the right questions to ask and the right experts to use we saved our clients over  $10,000 on buying a  Madeira Beach waterfront home this month but more importantly we helped them avoid serious impending structural damage since the seawall needed immediate attention unknown to the seller.  If you have questions about seawalls or buying waterfront homes in Pinellas County but them in the comments below or email me at Cyndee at Sandbarstosunsets.com.

If you are thinking of buying or selling a waterfront homes in the Tampa Bay area and value hard work, knowledge and results then please give Jack and I a call at 727-710-8036 to see how we can best help you.

We are passionate about being your Pinellas County beaches and waterfront property advocate. We’re committed to delivering Results daily based on Integrity, Knowledge and Experience – helping you buy or sell your waterfront home in Pinellas County   

jknge Guide to Buying Waterfront Homes in Pinellas County & Beaches

We’d like to be YOUR Clearwater Beach Real Estate Team! Call us today…

Warmly,
Cyndee and Jack Haydon, Realtors
Charles Rutenberg Realty
1545 S. Belcher Rd
Clearwater Florida 33764
727-710-8035 (Cyndee’s cell)
727-710-8036 (Jack’s cell)

Check out our other Tampa Bay Waterfront and Beach Client testimonials here > http://www.sandbarstosunsets.com/clients/

CLHMS 125x125 1187628351 9876 Guide to Buying Waterfront Homes in Pinellas County & Beaches SFR cmyk Guide to Buying Waterfront Homes in Pinellas County & Beaches bdg premier agent lg Guide to Buying Waterfront Homes in Pinellas County & Beaches

 Guide to Buying Waterfront Homes in Pinellas County & Beaches

About Cyndee Haydon

Cyndee Haydon, Future Home Realty - Realtor | Estate Agent specializing in selling Luxury homes and beach condos from Clearwater Beach to St Pete Beach - 26 miles of paradise. (727) 710-8035 Cyndee's Google Profile

Posted by Cyndee Haydon | Currently 3 Comments »

Buying Pinellas County Waterfront homes – Seawall Inspection saved $10,000+

Guide to Buying Pinellas County Waterfront Homes – Part 2 Seawalls Cost

Maderia Beach Florida - We always recommend a seawall inspection when looking at Pinellas County waterfront homes. Did you know that a seawall repair or replacement could be the biggest expense you could be facing? If you’re like most of our clients buying on the Pinellas County waterfront – this is not something you want to find out “after” you buy your waterfront property.

We’ve seen Pinellas County waterfront homes put on the market to sell because they can’t afford the needed seawall repair – don’t unknowingly buy someone else’s problem. If this the first time you’ve bought a waterfront home then you may not realize that it’s not something the typical home inspector or home inspection covers and the average Pinellas County real estate agent many not even realize that it needs to be inspected and who’s qualified to do it.

Since we specialize only in Pinellas County waterfront homes and beach condos we help our clients everyday by knowing the right questions to ask and the right people to get you the answers you need BEFORE you buy your new home. We understand you need the best resources like seawall inspectors and seawall engineers who can thoroughly evaluate the existing seawall and then give you a technical analysis of what’s needed along with 8-10 reputable local companies that can make the needed repairs so you can shop to have the work done while accurately comparing apples to apples.

How Hiring Pinellas County Waterfront Beach Real Estate Agents saved buyer over $10,000

Just this month we helped our clients buy a Maderia Beach Fl waterfront home that was beautiful – This home was updated with lovely curb appeal including pavers in front, tropical pool setting with pavers in back, a newer dock and seawall that had been well maintained – sounds great right?? Well when we had the seawall inspection the inspector determined that the wall was actually moving out and needed to be replaced in 4-6 months. Holy Moly 4-6 months is like “needs to be done yesterday!!”  Any quess what the cost of a seawall was for a typical Pinellas County waterfront home is? Most lots are @ 75ft o the intercoastal which would be about $12,000-$25,000 depending on what’s needed. Well luckily it was determined that they could use the existing seawall and it could be capped however the buyer’s were looking at @$10,000 immediate repair and expense (this lot was a little smaller than normal so the costs were a little less) however if we’d missed that and things deteriorated it could have easily cost double and triple those amounts.

How would you feel if you found that out after you bought your new home? Or worse yet, you didn’t find out and 4-6 month from now you start getting settlement cracks in your pool and home – WOW talk about a huge expensive problem then!!

The good news is because we are Pinellas County Waterfront Beach real estate agents specializing in “the bluest backyards” everyday- our clients got the right inspections done with the best engineers and we were even able to negotitate to have the seller pay for the new seawall so not only did we save them $10,000 but we saved them a whole lot of headaches and potentially huge expenses in the near future.

So if you are thinking of buying or selling a waterfront home in Pinellas County – give Jack or I a call and let us put our local knowledge and expertise to work for you and stay tuned for more in our series Guide to buying Waterfront Homes in Pinellas County

 

If you are thinking of buying or selling a waterfront homes in the Tampa Bay area and value hard work, knowledge and results then please give Jack and I a call at 727-710-8036 to see how we can best help you.

jknge Buying Pinellas County Waterfront homes   Seawall Inspection saved $10,000+

We’d like to be YOUR Waterfront Beach Real Estate Team! Call us today…

Warmly,
Cyndee and Jack Haydon, Realtors
Charles Rutenberg Realty
1545 S. Belcher Rd
Clearwater Florida 33764
727-710-8035 (Cyndee’s cell)
727-710-8036 (Jack’s cell)

Check out our other Tampa Bay Waterfront and Beach Client testimonials here > http://www.sandbarstosunsets.com/clients/

CLHMS 125x125 1187628351 9876 Buying Pinellas County Waterfront homes   Seawall Inspection saved $10,000+ SFR cmyk Buying Pinellas County Waterfront homes   Seawall Inspection saved $10,000+ bdg premier agent lg Buying Pinellas County Waterfront homes   Seawall Inspection saved $10,000+

 

 Buying Pinellas County Waterfront homes   Seawall Inspection saved $10,000+

About Cyndee Haydon

Cyndee Haydon, Future Home Realty - Realtor | Estate Agent specializing in selling Luxury homes and beach condos from Clearwater Beach to St Pete Beach - 26 miles of paradise. (727) 710-8035 Cyndee's Google Profile

Posted by Cyndee Haydon | Currently No Comments »

Clearwater Florida Homes – 10 Things You Need for Homestead Exemption

Clearwater Florida – Just wanted to remind everyone who purchased Clearwater Florida homes or changed your status’s last year (i.e if you purchased a new primary residence in 2011) then you have until March 1st to apply for Florida’s Homestead Exemption. This exemptions saves the typical Clearwater home owner $500 to $800 however most people are excited that it caps how much taxes can rise in a given year.

I was showing a Clearwater Beach condo for sale at Mandalay Beach Club last week and because units at the Sandpearl Residences had sold for over $2 million last year this condo saw it’s “just market value” (the amout the Pinellas County Property Appraiser calculates your property taxes) go up 30% – YIKES!!!

For those that bought Clearwater Florida homes – you can apply for the exemption (1)online or (2) at any of the Pinellas County Offices.

homesteadexemptioninfo2.002 001 300x225 Clearwater Florida Homes   10 Things You Need for Homestead Exemption

homesteadexemptioninfo3.003 001 300x225 Clearwater Florida Homes   10 Things You Need for Homestead Exemption

10 Things you Need for Homestead Exemption

This is a list of items the Pinellas County Property Appraiser will want you to have when you appl:

  1. driver’s license number and expiration date,
  2. place of birth,
  3. where you lived prior to here,
  4. date you became a resident,
  5. date you purchased the property,
  6. social security number,
  7. are you employed and location,
  8. phone contact info and permission to gather information like phone or utility records to show you live here,
  9. also asked if you own or lease a vehicle
  10. The address you used on your last federal income tax return

And remember if you are looking to buy or sell  Clearwater Florida homes or condos, Jack and I welcome the opportunity to discuss the market with you and your particular situation. Just give us a call for the most up today information that’s happening in the Beach real estate markets along our 26 miles of beaches.

Clearwater Beach Real Estate

 Clearwater Florida Homes   10 Things You Need for Homestead Exemptionclearwater home search now button Clearwater Florida Homes   10 Things You Need for Homestead Exemption

We are passionate about being your real estate advocate. We’re committed to delivering Results daily based on Integrity, Knowledge & Experience – helping you buy or sell your Beach condos in Clearwater Beach to St Pete Beach.

jknge Clearwater Florida Homes   10 Things You Need for Homestead Exemption

We’d like to be YOUR Clearwater Beach Real Estate Team!
Call Cyndee @ 727-710-8035 or Jack @ 727-710-8036

Warmly,
Cyndee and Jack Haydon, Realtors
Charles Rutenberg Realty
1545 S. Belcher Rd
Clearwater Florida 33764
727-710-8035 (Cyndee’s cell)
727-710-8036 (Jack’s cell)

 Clearwater Florida Homes   10 Things You Need for Homestead Exemption

About Cyndee Haydon

Cyndee Haydon, Future Home Realty - Realtor | Estate Agent specializing in selling Luxury homes and beach condos from Clearwater Beach to St Pete Beach - 26 miles of paradise. (727) 710-8035 Cyndee's Google Profile

Posted by Cyndee Haydon | Currently 21 Comments »

Clearwater Real Estate News – Stimulus Package offers First Time Home Buyers reasons to Buy Now

Clearwater Real Estate News – Understanding the Stimulus Package

home shopping c 1234454277 Clearwater Real Estate News   Stimulus Package offers First Time Home Buyers reasons to Buy NowClearwater Florida – Well the stimuus package is almost a reality with Congress reaching agreement on a $789 billion stimulus package for Americans and the President expected to sign it into law, the clock may be ticking for this year’s Clearwater home buyers and homeowners.  So what does this mean to you….

The final package contains two  benefits related to housing and effecting Clearwater Real Estate.

Clearwater Home Buyers Good News

The first provision is fairly well-known. It gives first-time home buyers in Clearwater an $8,000 tax credit provided they purchase a home between January 1, 2009 and August 31, 2009.

The good news is this is a true tax credit.

To reduce misuse and abuse, however, the $8,000 credit is contingent on home buyers holding property for at least 3 years. If the home is sold in fewer than 3 years, the tax credit must be repaid to the government. It’s also worth noting that the date range applies closings and not sales agreements.

To qualify for this if you are buying a home the closing must occur within these 8 months to be eligible.

Clearwater Home Owners that Go Green – get Green Back

A second noteworthy feature in the package is that the stimulus package gives existing those with Clearwater homes  incentive to “green” their homes. With available tax credits for energy-efficient windows and doors, furnaces and insulation, homeowners can claim larger tax deductions based on home improvement, up to $1,500.

But, just because the government provides housing-related tax benefits doesn’t mean you should just act on them blindly. Tax liability is a highly individual item and you may be ineligible for any number of reasons. Be sure to discuss your plans with a qualified accountant before committing to a plan.

Thinking of Buying or Selling a house in Clearwater Florida – We can help

clearwater beach florida best city beach Clearwater Real Estate News   Stimulus Package offers First Time Home Buyers reasons to Buy NowIf you have been thinking about buying or selling a home in the Clearwater St Petersburg Tampa area…

Contact us for a FREE quote and to find out your Tampa Mortgage options and you can search all Tampa St Petersburg and Clearwater homes for sale right now..

search2 Clearwater Real Estate News   Stimulus Package offers First Time Home Buyers reasons to Buy Now value2 Clearwater Real Estate News   Stimulus Package offers First Time Home Buyers reasons to Buy Now

Call Us Today at (727) 710-8036 to hear more about how we can help you!

Copyright © 2009 Jack and Cyndee Haydon, Clearwater REALTORS and your Clearwater Real Estate Consultants specializing in Clearwater St Petersburg Tampa Real Estate and may not be copied, reproduced, distributed, transmitted, displayed or published.

 Clearwater Real Estate News   Stimulus Package offers First Time Home Buyers reasons to Buy Now

 Clearwater Real Estate News   Stimulus Package offers First Time Home Buyers reasons to Buy Now

About Cyndee Haydon

Cyndee Haydon, Future Home Realty - Realtor | Estate Agent specializing in selling Luxury homes and beach condos from Clearwater Beach to St Pete Beach - 26 miles of paradise. (727) 710-8035 Cyndee's Google Profile

Posted by Cyndee Haydon | Currently 6 Comments »

« Previous Entries