Monthly Archives: October 2017


Brand New Rental Listing in Palma del Mar Available NOW… Nestle into paradise by staying in our completely furnished condo located in the beautiful palm tree lined community of Palma del Mar. This unit is available now for short term or long term and has been recently renovated and provides brand new furnishings to welcome you home. The interior features new flooring, paint, stainless steel appliances, solid stone counter tops, and all the furnishings you need for your stay. Just pack your bags and you’ll be living in paradise in no time! Enjoy the community pool, walk by the waterside, or just relax on one of the many beaches nearby. Enjoy some of the island life activities including kayaking, fishing, paddle boarding, dolphin watching, and sightseeing. Plenty of shops, restaurants, and grocery stores nearby with convenient access to the interstate and international airports. Enjoy the Saint Petersburg lifestyle for a month or more!! Sorry, No pets allowed. Call to schedule your showing today!! 727-800-9929

2BR/2BA $3,400/month; $1,400/week 


Gulf Gate Home with Large Yard just listed with more photos and details to follow! Nice recent improvements/upgrades include: New Roof 2014, New Central Air August 2017, New and Mini-Spit System August 2016. Go to the very close-by library and borrow a nice book to curl up and read in the relaxing Florida Room. This home is conveniently located in the fantastic community of Gulf Gate with an easy drive to the Sarasota-Bradenton International Airport. Nearby shopping includes St Armonds Circle and Ellenton Outlet Mall. Take a quick drive or bicycle ride to Siesta Key and enjoy one of the three gorgeous white sand beaches along the Gulf of Mexico. 

2BR/1.5BA $224,990


Only $2,200 per month for this Waterfront Pool Home on Pond in Gated Community which features a Lake, Dock and Fishing Pier! Lovely 4 bedroom home with a study which has a desk, chair and wall units left for your convenience! This home has a very open kitchen which is designed to easily entertain to the formal dining room, breakfast nook, and breakfast bar. The breakfast bar is also convenient to the family room making Game Day extra fun. The kitchen is centrally located to enable casual entertainment in the pool area. Look no further as this fantastic home includes the grounds maintenance and pool care to enable you to relax on your valuable time away from work and the office. Call today as this home is in the Gated Community of The Lakes at Sable Ridge and will be quickly leased.

Appraisal Disappointing? Steps to Take

Appraisal disappointing? You have options, according to the Appraisal Institute.

“Homebuyers and sellers should first understand what an appraisal is and how it’s used,” says Jim Amorin, president and acting CEO of the Appraisal Institute. “Real estate appraisals for mortgage finance applications are prepared for the bank or financial institution so they can better understand the collateral risk in making the loan. This can be confusing, because homebuyers typically pay for the appraisal and receive a copy of it.”

In some cases, the appraisal may not match the contract price—but just because an appraisal comes in below (or above) the listing or contract price doesn’t mean it’s flawed, Amorin says. The agreed-upon contract price may be above market value, for example. In those situations, the buyer and seller often renegotiate the contract at more favorable or balanced terms.


Homebuyers should ask their lender for the qualifications of the appraiser, including whether they are designated by a professional association like the Appraisal Institute, says Amorin. A qualified and competent appraiser knows how to conduct a thorough market analysis and make appropriate adjustments.

Homebuyers also can ask whether the appraiser is directly engaged by the bank or whether the bank utilizes an appraisal management company, and what their procedures are for engaging qualified appraisers.

“The best way for consumers to combat potential problems with appraisals is to ensure the appraiser hired by their lender is highly qualified and competent,” Amorin says. “Consumers have every right to demand the use of a highly qualified appraiser, someone with field experience in their market and knowledge and experience to handle the assignment properly.”


Contrary to incorrect interpretations of appraiser independence requirements, appraisers welcome information that would assist the development of credible assignment results,” says Amorin. If lender policies permit, consumers can accompany appraisers when conducting the property inspection and may provide the appraiser with any information they consider important.

Amorin suggests consumers ask their lender for permission to do so, and confirm the appointment. Consumers should also take note of whether an adequate inspection is performed. Did the appraiser spend enough time at the property to observe important features or improvements or potential problems?

Homebuyers should take advantage of their right to obtain a copy of the appraisal report,” Amorin says. Even though the appraisal is ordered to help assess lender collateral risk, buyers are entitled to a copy of the appraisal report. Federal regulations require lenders to provide property buyers with free copies of appraisal reports no later than three days before the loan closes.


Although appraisal review is best performed by qualified appraisers, consumers should examine the appraisal for potential deficiencies, says Amorin. According to “Appraising the Appraisal: The Art of Appraisal Review,” common errors in appraisals include: misuse of adjustments to comparables; disregarding special financing and concessions; or miscalculation of gross living area (GLA).

Amorin suggests consumers ask themselves:

  • Do adjacent homes add or detract from the value of the subject property?
  • Is the subject property equal to or lower in price than surrounding homes?
  • Does the floor plan have any functional problems?
  • Does the house (particularly the kitchen and bathrooms) require major remodeling to make it comparable with similar homes in the same price range?
  • Is the number of bedrooms and baths in the home comparable to similar homes in the same price range?
  • Did the appraiser perform an adequate inspection?

“Most lenders have appraisal appeal procedures, known as ‘Reconsiderations of Value,’” says Amorin. “If you’re aware of recent, comparable sales information or items that may not have been available or considered by the appraiser, provide those to the lender. If problems were found with the first appraisal, you can and should obtain a second appraisal.”

Source: Appraisal Institute

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Home in Paradise Awaits…

Beautiful townhome right in the heart of Tierra Verde! This location is Tierra Verde at it’s finest. Such a great spot to fish, boat and relax. Super close to Fort Desoto beach for some fun and sun in the sand. 15 minutes to Downtown St Pete and easy access to the interstate. This community is a very active one. It offers a heated pool and Jacuzzi, fitness center, tennis courts and fishing pier. The inside of this home features 3 bedrooms and 3 full baths with lots of natural sunlight flowing in…High ceilings and skylights in many of the rooms! Walk-in closet in master suite. Large garage for parking and all storage needs. Updated A/C unit. This home is ready to be yours! Great opportunity for investment property, or full time residence. Call to see today! 727-800-9929

Tierra Verde and Maximo Moorings Open House

Join us this weekend for our open houses in Tierra Verde and the Maximo Moorings Community!


This is truly “A MUST SEE HOME”… This entertainer’s delight is a beautiful and open Floridian Pool Home with the overall living area at nearly 2,700 square feet! Open the oversize sliding glass doors and bring the outside in and the inside out with the view of the screened pool and gorgeous wooded area as a backdrop. Listen to the water fountain as you relax on the covered lanai or on the private upper balcony located off the loft with a scenic view of the pool and gorgeous trees. There is plenty of storage in this current and spacious kitchen which features custom cabinets, including an oversize island and a slide-in range top making an excellent cooking pattern and space for the experienced chef. Check out the upper deck located just off of the huge loft and enjoy view of the pool, lawn, and nature in the wooded area behind the home. This Beautiful Pool Home is in the Gated Spring Hill Community of Haverhill! The home is located in the back of the community away from traffic.     Please call Theresa Lynn Collins for more information… 813-918-9913

6020 SHORE BLVD S, #1004, GULFPORT, FL 33707

Available NOW! Magnificent Water Views from this wonderful condominium! It is Time to Get Away to this 55+ community where there are many social activities available! Enjoy an exclusive beautiful open water view from this tenth floor furnished condo with luxury appointments on a daily basis. The elegant kitchen is updated with maple cabinets and granite counter tops. The community boasts 5 Heated Pools, Clubhouse, Auditorium, Billiards Room, Library, Card Room, Shuffleboard, Tennis, Exercise Room and Saunas. This condo comes with assigned covered parking space. Minutes to Downtown St. Petersburg, the beaches, easy access to I-275 Tampa, Clearwater, and Sarasota. 

2 Bedrooms, 2 Bathrooms, $2,000/month    55+ Community with Amenities!!


Price Adjustment!! Now  $534,900

Waterfront,Elevator, Large Boat Slip, Boat Lift, Access to the Gulf of Mexico and Tampa Bay, Garage for your Cars and Toys!!! Waterfront Townhome with private dock, boat lift and elevator! This home features a well appointed chef’s kitchen with updated flooring, high end stainless steel appliances (double stove, high impact GE microwave, GE lower drawer refrigerator) ,and high quality cabinetry with plenty of storage (soft close cabinets with a 3 tier lazy susan) Enjoy two private balconies off the living room and master bedroom overlooking the sparkling waters. The elevator conveniently reaches the third floor bringing you into the master bedroom overlooking the boat slip. The master has dual sink vanity, two closets, and updated shower. With the split bedroom floor plan, the third bedroom is located away from the master with a nook/office space with built in desk off the hall. The over sized two car garage allows space for all your storage needs – store you bikes, kayaks, and more. Take advantage of the beautiful island and explore Tampa Bay and Ft. Desoto Park just down the bayway. This home has so much to offer including dining, shops, marinas, and stores right across the street. Community has tennis courts, and swimming pool. This is the perfect place to entertain your guests in paradise! Easy access to interstate, international airports, groceries, and more. Call to schedule your private showing today! 2014 HVAC. New electrical panel.

Call 727-800-9929 For More Details!


Large Pool home in Gated GOLF COURSE community with Lawn Care, Pool Care and Pest Control Included! This spacious Pool home offers 4 Bedrooms, 3 Baths, a large Family Room, separate Living and Dining Rooms, an Office, and a huge Media Room! New tile and carpeting have just been installed.The Island Kitchen has lots of cabinets, a pantry, an eat-in area overlooking the pool, and a breakfast bar. The Master Bedroom is roomy enough for a king sized bed and has a large Bathroom with soaking tub, separate shower, and double sinks, and there is a huge walk in closet. The pool/spa and over-sized lanai is screened and private and there is even a pool bath! Located just off Collier Parkway in beautiful Plantation Palms, this home is close to everything you need in Land O’ Lakes. $2,595/ month. 4BR/3BA