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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 »

My Christmas Gift – In loving Memory of Jamie and Lillian Caulk

I met Missy Caulk through Active Rain over 6 years ago and all I can say is to know Missy is to love her. Through her I also met her daughter Christa, an amazingly strong woman in her own right and her husband, Bob Stewart. Even though we live thousands of miles away, social media and the RE.net community has allowed us to become good friends with them.missy and lillian My Christmas Gift   In loving Memory of Jamie and Lillian Caulk

On Christmas Eve, I am also reminded that there is probably no greater love than a parent for their child. I know how much my world changed when we had our two boys, Sean and Alex, and yet I can not begin to fathom what it would be like to have them gone tomorrow, unexpectedly struck down in a car accident or sudden health issues. But this is exactly what happened not once but twice to Missy and her amazing family in the last 2 months.

First, Missy’s 27 year old son, Jamie died in October as a result of a car accident and then her 11 week old grand daughter Lillian (they lovingly called her Lillie Bear) died suddenly as well. Your can read more about it here:

Watch 1 1/2 minute video below  - The Jamie & Lillian Caulk Memorial Project 

Like so many people that care about them, I have cried and grieved and prayed and struggled with how to best be there for them in this time of unimaginable grief. They are all amazing, strong, faithful people and they ask for nothing but I was thrilled when a friend of hers, Carol Grubb, whom I’d met with Missy 3 years ago reached out to tell me about their local plan to dedicate a park bench in a special place in Jamie and Lillie Bear’s honor. She asked if I could help let all of Missy, Christa and Bob’s online friends know about it so they could also be a part of this memorial project. Of course I said yes!

If you’re like me, you may be feeling the same way…WOW, finally something I can do for them to bring them some joy, some peace, some love in action…after all isn’t this the real reason for Christmas and the goal, to do for other and strive to live like it’s Christmas all year long. The cost of getting this memorial bench done has been estimated at around $3,000 which could be as simple as 300 people donating $10 each or the cost of one meal out, or giving up coffee for a week to give a family a special peaceful place to honor and remember their loved ones. My hope is that this makes the Caulk’s family Christmas a little brighter and this is one Christmas gift that I’m thrilled to be able to give a little joy, that’s Christmas to me ;D

Carol shared with me that when the Caulk family members learned of park bench memorial they were so excited and Missy, a mother and grandmother that’s lost so much,  smiled at the thought of having a happy place in their honor. So as we approach Christmas tomorrow and count down to the New Year I would ask you to consider making a donation to the “The Jamie & Lillian Caulk Memorial Fund” to take this from and idea to a reality – I’ve put together a minute and a half video that shares my thoughts about the project and invite you to watch it.

So how can you help?

3 Ways…

  1. Continue to pray for the Caulk family
  2. Help get the word out by sharing this post on Facebook, Active Rain, Twitter to those that know Missy, Christa, Jamie, Bob and all the Caulks or consider doing your own blog post
  3. Make a donation

How to Make a Donation (no gift is too small):

Make checks payable to “The Jamie & Lillian Caulk Memorial Fund”
Mail those checks to:

Carol Grubb
3647 W. Greenook Dr.
Ann Arbor, MI 48301

Or send a Paypal (as a gift so all funds go to them) to cyndeehaydon@gmail.com and put “The Jamie & Lillian Caulk Memorial Fund” in the memo

Along with your donation, Carol has requested each person’s name or names & email addresses because she will be giving the Caulk’s a card from everyone and she also wants to keep you informed of the details of the upcoming picnic / dedication that is being planned for early to mid-May when the bench is ready.

Wishing you and your family a Merry Christmas and a Happy New Year!! If you have any questions don’t hesitate to call me either ;D


 My Christmas Gift   In loving Memory of Jamie and Lillian Caulk

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 4 Comments »

Clearwater Beach Realtor Explains Bank Owned Homes Property Taxes

Clearwater Beach Realtor explains Bank Owned Home Property Taxes

We help a lot of clients with finding great Clearwater beach short sales and bank-owned homes and condos, and one of the things people ask me is how will a short sale or bank-owned property deal where we actually bought a condo, town home or house for under market value… How does that affect  Pinellas Property taxes?

Here’s a video where I step you through this exact scenario and the transcription is included here:

 If I Pay Less Aren’t  My Taxes Lower?

How does that translate? I want to show you an example today. Hopefully understand that while you may get a great deal on the purchase price, your property taxes will be balanced with every other kind of comparable property regardless of the price you paid for your bank owned home. The property assessor is funding our schools, our county, our work, and is looking to determine their sales comp and just market value to assess a property.

So let’s take a look at this property. This is a 3000 square foot townhome on the water in St. Pete Beach. This was a  bank-owned townhome on the water and it sold for $522,000 in May of this year. Okay. So May of this year, they paid $522,000. Now the property tax bills come out, and you look, here in the property appraiser’s site, and it talks about sales comps or comparisons. And there they look at other properties to determine what they think or what they’re going to base that value on.

Now I want to give you a look at what those numbers look like because when you look here, there’s all kinds of homes, townhomes, condos on the water in St. Pete Beach, but you can see they range everywhere from 950 square feet, 920 square feet all the way up to 2800, and here’s one 3070 sq ft. Again, when they aggregate all that, their just market value and the way they come across is $708,523 for this property, which is a difference of over $180,000 from what they paid for it .

Now, once they have that number they typically take @ 85% of that to come up with their just market value, and that’s the number that your taxes are calculated using… The millage gets multiplied by it to come up with your tax number. Now, one other variable that can come into play is if it is your primary residence and you’re homesteaded, you actually get about $50,000 off of the just market value. So instead of being the $602,000, it would be closer to $552,000. Now, one of the things here is because it was a bank owned home, it was not homesteaded in this year. So for this person, this year it only qualifies for the State of Florida 10%, non-homesteaded cap. We’re hoping we’ll see that drop to 5% they are working on an ammendment to do this, but that’s what it is right now.

So again, the millage… Here’s the millage number 18.2940, which, if you want to think about it, that’s about 1.82%, 1.83% of the just market value, so in this case it’s the $602,245. So the taxes, again for this year, paid in arrears, are $11,740.47. One of the things that is good news to see is… Again, this was waterfront new construction. So you can see how up until 2009, the taxes were just based on the land when the developer has to fund a project until it was titled and stuff and completed. He didn’t… It didn’t change. Again, in 2010, they were assessed just market at was much lower however that was before some other properties that sold, and the market was worse in 2010. In 2011, again, looking at the year in review, they assessed it at $602,000 (Off their sales comp number of $708,532). So the good news is that he paid $522,000 for the property and again, it was a bank-owned waterfont home in St Pete Beach and it appears to be a good deal based on… Based on what we’re seeing here.

So that’s a little bit about how the property taxes work. If you have questions, feel free to give me a call. Cyndee Haydon, at 727-710-8035. I’d be happy to help you. Again, we specialize in both helping buyers and sellers of short sale… I mean, of all properties but, obviously in this market, there’s still a lot of short sales, bank-owned and other distressed properties, and, again, you may have questions and we’re happy to help.

So I hope you found that helpful and, again, that’s a little bit about not understanding when you have your Pinellas County Property taxes, whether you get a good deal or not, the property taxes are going to go off the value. So again, important for people to understand and one of the reasons we often tell people if they gave you a property, sometimes you couldn’t afford to maintain the costs and upkeep. So hopefully you found that helpful and, again, feel free to visit our website, www.sandbarstosunsets.com, serving all of our 26 miles of beautiful beaches here on the Gulf Coast from Clearwater Beach to St. Pete Beach FL

And remember if you are looking to buy or sell in the St Pete – Clearwater Beach Area, 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 Beach Realtor Explains Bank Owned Homes Property Taxesclearwater home search now button Clearwater Beach Realtor Explains Bank Owned Homes Property Taxes

And if you’re looking for a Clearwater Beach Realtor we’d like you to know that 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 Beach Realtor Explains Bank Owned Homes Property Taxes

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 Beach Realtor Explains Bank Owned Homes Property Taxes

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 Real Estate Round Up for Spring

 Well today is the first day of summer and thought we’d look back over the last few weeks of spring at some of the interesting articles we’ve been able to bring from some of the best Realtors around the country.

You know we talk about Clearwater Real Estate being local however I hope you found it as interesting as I did, to get the different perspectives of real estate from different leading Realtors from different areas. So today we’d like to do the Clearwater Real Estate Round Up – as we got glimpses from experts around the country.  

P4160532 300x225 Clearwater Real Estate Round Up for Spring

We had Paul Henry, who specializes in selling Indianapolis homes come and kick off our series by sharing about their waterfront real estate market and what your money can buy in their area. If you missed that article check it out at

Then we had Gene Riede who specializes in Sacramento real estate review some of the issues facing buyers of condos both in Clearwater and in Sacramento CA. We’ve definitely seen a lot more of our Clearwater beach condos not qualifying for financing at all and reminds us why cash is still king in our real estate market.  Check out her tips in:            

Next we had Roberta Murphy who sells luxury Carlsbad homes talk about buying your next home or condo with an awareness on what Baby boomers want and need. This is a topic near and dear to our hearts because Jack and I helped start the Senior Helpline for the Pinellas / Pasco Area Agency on Aging in the early 1990s.  Whether it effects you or a family member she offered great insights here:      

Kristal Kraft who is and expert in Denver Relocation shared what to think about when buying here in Clearwater and decorating because what works in Denver Colorado or Indianapolis may not fit your needs or lifestyle here. Don’t miss her tips on decorating when relocating.     

Now someone I always enjoy hearing from and hope you did too is Dave Smith, who is part of a husband and wife team like us handling Tucson real estate. Of course Arizona is another place that doesn’t get much rain like Clearwater. We know all to much about water restrictions and how hard it is to have grass much less grow other things. For humor and insight read Dave’s article:     

And Finally we had Ines Hegedus-Garcia share three common questions you need to consider when buying a Clearwater Beach condo or a Miami Beach vacation home.  They were definitely a must read for our client’s considering buying a second home in Florida.

Thank you to all these real estate experts for taking time to share with us. It was a pleasure to have them as guest bloggers and hope to bring you more insights from the best real estate experts around the country and around the state of Florida.

And remember if you are looking to buy or sell in the Clearwater Beach area, Jack and I would love to help you. Just give us a call for the most up to date info on what’s happening with the Clearwater Beach real estate market.

Clearwater Beach Real Estate

clearwater home search now button Clearwater Real Estate Round Up for Spring

And if you’re looking for a Clearwater Beach Realtor we’d like you to know that we are passionate about being your real estate advocate. We’re committed to delivering Results daily based on Integrity, Knowledge & Experience – helping you find the perfect Clearwater Beach condos for sale.

jknge Clearwater Real Estate Round Up for Spring

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

Clearwater Beach Real Estate
1545 S. Belcher Rd
Clearwater Florida 33764
727-710-8035 (Cyndee’s cell)
727-710-8036 (Jack’s cell)

 Clearwater Real Estate Round Up for Spring

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 8 Comments »

Indianapolis Homes for Sale | Guide to Waterfront Homes

Today we kick off a new series where each Tuesday we will be having Top Realtors from around the country sharing thoughts about real estate and their local markets. This week we are pleased to have Paula Henry, a top Indianapolis Realtor who also sells Indianapolis homes on the water. Many of our clients come from Indiana and Illinois to buy their Clearwater beach house, aka “their piece of paradise”. Today I think  you’ll see that they also have some beautiful waterfront homes in Indiana as well- who knew?  I learned some new things myself, so while we love sharing about living in Clearwater Florida We hope you’ll enjoy this opportunity to learn more about  waterfront Indianapolis homes for sale from their local expert……    

 Indianapolis Homes for Sale | Guide to Waterfront Homes   

Read the rest of this entry »

 Indianapolis Homes for Sale | Guide to 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 8 Comments »

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