Upper Keys Real Estate Articles

Upper Keys Florida Condo Forecast 2020

The Upper Keys condo market forecast for 2020 and into next year, 2021, will likely experience a shift from its current conditions. Right now, most of the Upper Keys -- most notably the Key Largo market -- is in an active or an outright sellers’ market. However, real estate professionals and economists alike believe that this will slow to a more balanced market between buyers and sellers by next year. Read on to learn more about the Upper Keys condo market forecast for 2020 and into 2021.

Right now, the Upper Keys condo market is fairly hot. Overall, the market can be tracked best by way of Key Largo, one of the most desirable locations in the island chain. At this time, the median home value in the area, including condo units, stands at $635,849. That represents a 0.8 percent dip from the previous year, which helps to keep real estate prices a bit more in check.

Presently, real estate industry professionals and economists predict that over the course of the next year, home values will fall further, by 3.4 percent. While this isn’t necessarily good news for homeowners, it is for buyers and sellers. This, because it stops the rise of real estate prices for buyers to get into the market. And, for sellers, because they have more buyers actively looking to purchase. (It can also help protect investors from getting into a bubble.)

Currently, the median list price per square foot in the Uppers Keys -- particularly in Key Largo -- stands at $557, which is more than the larger metropolitan area. Also, the median listing price in the area is $899,000. However, the median selling price is approximately $562,500. As for rentals, the median lease rate is about $2,650, which is actually lower than the metro area of $3,200.

Meanwhile, there are too few distressed properties in the Upper Keys area to statistically measure. This, compared to the national average of about 1.1 percent. So, there are very few foreclosures and short sales available on the market or coming onto the market in the short term. Although, the number of homeowners in the Upper Keys underwater on their mortgages stands at 6.3 percent. (Meaning, they owe more on their home loans than their properties are worth.)

Of course, these predictions are predicated on past and current events, which means the market might or might not follow the forecasts.

What to Expect at a Home Closing

What can I expect at a home closing? Well, it depends on your role. (Although there’s not really all that much difference between buyers and sellers.) But, there are some things that aren’t quite the same. Read on to learn more about what to expect at a home closing.

What is a Home Closing, Anyway?

A real estate closing, or settlement, is the process of transferring legal ownership of a property from one party to another. While there are many moving parts, the title agency or attorney will take care of the details. By and large, sellers and buyers are there to sign numerous documents to explicitly consent to the transaction.

When is a Home Closing Scheduled?

Generally, a home closing is scheduled after the seller accepts the buyer’s offer. And, is usually set to occur 30 to 45 days thereafter. During the time, the buyer can have the home inspected and the lender will have an appraisal completed.

The closing itself can take about an hour, though it’s not uncommon for a closing to last an hour and a half or as much as two hours, depending on the circumstances.

What should Buyers NOT Do Before a Home Closing?

If you’re buying a house, your lender will probably warn you not to do certain things before the closing date. (Some lenders will even tell buyers to wait a few days until after settlement day.) Basically, you should not make any large purchases, such as furniture, a vehicle, or other purchase requiring financing.

Also, don’t run up credit card balances (and it’s usually best not to pay down balances because this could be considered “potential debt,”) and don’t open new lines of credit. Don’t change jobs or switch careers, either. And, do not make large bank account withdrawals. Additionally, be sure to pay your bills on time.

Now, let’s get on to what to expect at a home closing or real estate sale settlement. Generally speaking, you as the buyer (or seller) will sign a whole bunch of documents. The title agent or attorney will explain every form and what part it plays in the transaction.

Your lender will distribute the funds that cover the cost of the purchase or the amount of your mortgage loan. And, go over various elements of the transaction -- like property taxes, insurance, escrow, and your new monthly mortgage payment amount, due date, and more.

Investment Advantages of Owning a Vacation Rental in the Upper Keys

The investment advantages of owning a vacation rental in the Upper Keys are quite numerous. There are so many, it’s difficult to list them all. So, we’ll look at the top reasons. Sure, it generates an extra income stream and there’s no question about it. But, there are some other very compelling reasons to own a vacation rental property in the Upper Florida Keys. Read on to learn more.

The investment advantages of owning a vacation rental in the Upper Keys are not only financial but also include some intangible benefits. That’s right, there are more advantages to owning a vacation rental than just dollars and cents. Here are the top reasons why it’s lucrative to own a vacation rental home in the Upper Florida Keys:

  1. It appreciates in value. Real estate has a long and proven history of being a solid, long term investment. And, when it’s in a highly desirable location, it appreciates all the more. It will only gain value in the years to come.
  2. It brings a premium rate. Because it’s in the Upper Keys, where hundreds of thousands to millions travel every year, you’ll be able to charge a premium rental rate. That alone makes it a worthwhile investment.
  3. It can be used as leverage. If in the future you want to expand your real estate portfolio, you can use this property as leverage to acquire other properties.
  4. It creates a passive income. Of course, the main reason most real estate investors get into the market is to make more money. This is one of the best ways to do just that. You’ll create another income stream and to make it as lucrative as possible, you can hire a rental management company to take care of the whole thing so you don’t have to worry about it.
  5. There are several tax benefits. As with just about any real estate investment, you can take advantage of all kinds of tax benefits. These include write-offs for several carry costs. (Which includes property taxes, maintenance, insurance, improvements, repairs, and more.) By the way, if you live in the state of Florida, that income isn’t taxed at the state level.

In addition to all of these advantages, there’s also the fact that it serves as a dedicated getaway. Because it’s a real home away from home, ready for you whenever you need to take a break.

Islamorada Real Estate Forecast 2020

The Islamorada residential real estate forecast for 2020 is one that will most delight buyers but bring a bit of good news to sellers, as well. Known as “The Village of Islands,” located in the Upper Florida Keys, Islamorada is also the Sport Fishing Capital of the World. But, it’s also a great place to call home and for many reasons. So, let’s take a quick look at the residential real estate market in Islamorada for 2020 and beyond.

The Islamorada residential real estate forecast for 2020 will likely continue its previous trend, although more pronounced. At this time, the real estate market in Islamorada is largely considered to be a buyers’ market, with a cool temperature. Meaning, there is a plethora of inventory and few buyers looking for homes for sale.

During the past twelve months, residential home values have dipped by 0.5 percent, bringing the median home value down to $914,600. Real estate experts and economists believe that over the course of the next twelve months residential home values will decline by an additional 2.8 percent. (This will prevent any artificial price hikes, which hurts the market at-large, whether it’s buyers or sellers.)

Right now, the median listing price per square foot stands at $711, which is more than the overall Key West metro area of $532. Meanwhile, the median list price for sale in Islamorada is at $1.2 million, which is in line with other communities in the Upper Keys.

At this time, there’s not much in the way of the distressed properties, which consist of foreclosed homes and short sale residences. Presently, the rate of delinquent mortgages in Islamorada is 1.6 percent, which is a tad higher than the national number of 1.1 percent. Also, the percentage of homeowners underwater stands at 4.7 percent. Because of these last numbers, such properties can influence the prices of non-distressed properties. However, the figures don’t represent enough of a percentage to actually impact nondistressed homes.

The residential real estate market in Islamorada and the Upper Keys at large will experience a substantial shift over the next few months. But, the direction depends almost entirely on the effects of the coronavirus pandemic.

Over the course of the past four years, the home values in Islamorada have risen from approximately $695,000 up to $915,000 but might dip down to around $870,000 in the year 2021.

Buying a Home? Benefits of Using a Real Estate Team

Buying a home? Here are the benefits of using a real estate team to help out. Let’s begin with the fact that there are just way too many people involved. That typically includes the lender, home inspector, appraiser, pest inspector, seller, and more. Just this alone means having to juggle a bunch of different names and responsibilities and keeping them all straight. But, that’s certainly not all. Read on to learn more about the biggest advantages of using a real estate team when buying a home.

Using a real estate team means having more than one person at your disposal. After all, it’s impossible for one individual to be in more than one place at a time. Then, there’s the matter of being present for various appointments. For example, accompanying the home inspector to ask important questions is very helpful in understanding the condition of the property.

Of course, that’s not all by a long shot. You’ll also need someone to be there during the pest inspection and others, like wind mitigation inspection. Then, there’s the matter of the appraisal. Should the appraisal come back with bad news, you’ll need an experienced professional to help you through the situation. It might require what’s known as a rebuttal of value and having a team of real estate professionals is a very valuable resource.

Previewing homes in-person is yet another benefit of working with a real estate team. Because schedules are all over the place, it’s not always possible to preview properties. But, with a team, someone will be available to see it and give his or her opinion as to its pros and cons.

Usually, individuals have certain skill sets and specialties. That’s another advantage of working with a real estate team because you’ll get a lot more experience and different ways of thinking that will benefit you.

Last but not least, using a real estate team means that you’ll bring more potential matches to your search. Since these individuals list properties for sale in different neighborhoods, they’ll have a feel for them and be able to relate important information about said neighborhoods.

As you can plainly see, it’s just more beneficial to work with a team of real estate professionals rather than one. You’ll streamline the process, get key data when needed, and find the right property for you and your family in less time.

When to Use a Real Estate Lawyer for a Closing

When to use a real estate lawyer for a closing? And, why not just go through a title company?  The short answer is that title companies do not have the same expertise or licensing that real estate attorneys do. Although title companies often boast they handle many times more real estate transactions then lawyers do, this misses a bigger point. That is, the fact that real estate transactions are very complex legal matters and should not always be left to non-lawyers to handle. So, let's look at some reasons why using a real estate lawyer for closing is better than a title agency.

When to use a real estate lawyer for a closing comes down to a particular set of circumstances. For instance, when there are legal issues around the deal. (Or, possible legal issues might arise.) However, that's certainly not all. Here are 4 reasons to go through a real estate attorney, rather than a title company:

  1. A real estate attorney works for you. when you close through a title agency, that company is working for someone else and not you. However, a real estate lawyer works for and represents the person who obtained his or her legal services.
  2.  Title companies cannot provide sound legal advice. Only licensed attorneys can provide legal advice and they know the laws that are involved with real property transactions. What a real estate lawyer tells you is based on years of practice and experience, and not just what others have said and heard.
  3. Title agencies are limited in their capacity to deal with special circumstances. Unfortunately, a good number of real estate transactions run into various issues, most of which title agencies are simply not equipped to handle or remedy. In fact, when such issues do arise, an attorney is usually necessary anyway.
  4. The cost is usually comparable, but the peace of mind is even better. Most people mistakenly think that hiring an attorney is very expensive. Although it seems this way, it's really not the truth. In most instances, a real estate lawyer will cost just about the same amount as a title agency but will offer a lot more peace of mind.
  5. A real estate attorney can spot future problems and alert you to them. since only licensed attorneys are able to give legal advice, they are able to tell you about potential issues that may come up in the future and help protect you from them.

As you can see, it is usually better to go through a licensed real estate attorney than with a title agency for your closing because you get so much more for what you put into it. You're not only getting a professional service but peace of mind as well.

Importance of Home Staging To Sell

The importance of home staging to sell cannot be stressed enough. In fact, home staging is one of the best and most proven methods for selling any house in the shortest amount of time and for the most amount of money.

This is due to a number of factors, most of which have to do with buyers' perceptions. A staged home presents better than its not staged counterparts, practically in every way. Read on to learn more about the importance of staging a home to sell.

The importance of staging a property to sell really becomes apparent through the process. Fortunately, there are a number of statistics that have been recorded over the past few decades which demonstrate the power of home staging.

For instance, staged properties are known to sell for up to 13 percent higher than not staged houses. What's more, staged listings sell about half the time of not staged listings. Then, there's the matter of making a positive impression on buyers, which ultimately contributes to the final sales price and timeline.

Here are two more statistics that strongly underscore the importance of home staging and how it helps to sell a house quickly and for as much money as possible:

  1. There are only seconds to make a first impression. Studies show that buyers form an impression of property within just 7 to 10 seconds. Because buyers most often encounter homes online, the listing photos are extremely important. But, even if they come across a house in-person, the same amount of time still applies. This means the better the listing appears online and in-person, the more positive the impression it will make.
  2. Just one out of every ten people can imagine a property other than the way they see it. This isn't a criticism, rather just a fact of life. Only 1 in 10 people can imagine a space in their heads other than the way it's presented, whether it's online or in-person. In other words, humans, although quite creative, largely lack the ability to see the potential past what's in front of them. This backs up the other statistics which real estate professionals rely on, which include depersonalizing properties and staging them as model homes. After all, buyers aren't interested in purchasing someone else's life. Instead, they're interested in buying their own home.

As you can plainly see, it is very important to stage a home in order to sell quickly and for a good price.

Upper Keys Condo Market Forecast 2020

The Upper Keys condo market forecast for 2020 looks to bring a bit of stability to the area. That is to say, it will likely experience a cooling and correction. That’s good news for both buyers and sellers in different ways. For buyers, it means more affordability. For sellers, it means not being stuck in an unrealistic bubble. (Not that there’s an actual real estate bubble in the Upper Keys.) So, let’s take a look at the 2020 condo market in the Upper Florida Keys to know what to expect.

The Upper Keys condo market forecast for 2020 should usher in a more calm and stable real estate market. Which ultimately means advantages to sellers and buyers alike.

Located just off the coast of the mainland Florida peninsula, the Upper Keys are most known as the home of Key Largo. It’s also the home of the John Pennekamp Coral Reef State Park. Situated between the Gulf of Mexico to the west and the Atlantic Ocean to the east, the Upper Keys offer super mild winters, warm and balmy summers, and spectacular spring and fall seasons.

People come to the Upper Keys to relax and unwind, but also to find adventure. If you’re thinking about relocating to the Upper Keys, you need to know what to expect. Here’s a quick look at the Upper Keys condo market forecast for 2020.

Right now, the median home value stands at about $627,000 in the Upper Keys. Home prices rose by approximately 2.9 percent over the course of the previous year. Industry experts and economists alike believe the trend will lessen, with home values forecast to rise by a modest 0.7 percent.

The median list price per square foot in the Upper Keys is around $555, with a median list price of $849,000. However, the median selling price in the area is $588,000.

Also, at this time, about 6.3 percent of homeowners in the Upper Florida Keys are underwater in their mortgages. Meanwhile, the delinquency rate is too small to statistically measure, effectively putting it at zero.

All of this is good news for buyers and sellers in the Upper Keys because it means there is very little instability in the residential real estate market. This paints a welcoming picture for the next twelve months, which could last into 2021 and perhaps, beyond.

Importance of Pricing Your Home Correctly to Sell

The importance of pricing your home correctly to sell can’t be understated. In fact, setting the right asking or listing price is key to selling quickly and for as much money as possible.

It's this very fact that real estate professionals must get across to their selling clients. And, it's often a huge challenge for those real estate pros to get sellers to agree on a fair and reasonable asking or a listing price. This is largely due to inherent bias, as practically every home seller believes their house is worth more than its actual market value.

So, this is your biggest challenge. That is to say, setting an objective and fair listing or asking price. Read on to learn more about the importance of pricing your home correctly to sell.

The importance of pricing your home correctly to sell the first time is extremely critical to getting the results you most want -- to sell your property. However, all too often, home sellers think more in terms of dollars than they do in the practical sense. This leads them to rationalize and wrongly justify pricing their houses incorrectly. Let's take a look at two scenarios that demonstrate the importance of pricing your home correctly to sell.

  1. Asking too much for your property. If you make the crucial error of listing your home above its true market value, people searching in that price range will wonder why it shows up in the searches with higher-priced, more valuable properties. By the same token, setting the listing price above market value will also cause the house to be missed with people in that lower budget range. In other words, the people who do see it will know it's overpriced, and those who don't see it will be the very people you should be trying to target.
  2. Setting a low listing price. It's understandable that some sellers, with very little confidence in their properties, would set their asking price under market value. But, this too, has an adverse effect. Much like setting the price too high, setting the price too low will only serve to undermine your efforts to sell the property. Buyers will wonder what's wrong with the house and simply pass it by. And real estate professionals, looking on behalf of their buying clients, will also pass it over.

As you can see, either pricing your home over market value or under market value will only sabotage your ability to sell the property. So, it's imperative to price it right to sell in the first place.

Upper Keys Luxury Home Forecast 2020

The Upper Keys luxury home forecast for 2020 is already shaping up to be a good year. For approximately the past twenty months, the trend in home values has been on an upward trajectory. And, it looks like this will continue well into the next calendar year. Read on to learn more about the Upper Keys luxury home market forecast for 2020.

The Upper Keys luxury home forecast, by most accounts from industry experts, will be of big benefit to homeowners. However, it will also be advantageous to buyers, as well, since the rate of home value increases is expected not to be as dramatic.

The Upper Florida Keys are some of the most visited destinations in the country. With the Gulf of Mexico to the west of the island chain and the Atlantic Ocean to the east, the archipelago lies in a beautiful location.

Just about an hour away from Miami and not far off the mainland peninsula, the Upper Keys are home to John Pennekamp Coral Reef State Park, Anne’s Beach, and a number of other popular destinations.

Certainly, there’s much to love about the Upper Florida Keys, including its real property performance.

Over the course of the past year, the median home value in the Key Largo area has reached $667,800, rising 7.1 percent over that time. Experts predict home values in the community will continue to rise but at a more moderate rate of 4.8 percent.

At this time, the median list price per square foot stands at $536. This amount is higher than the Key West Metro average of $526 per square foot.

Meanwhile, the median list price in the Key Largo area is now approximately $827,5000. Also, the median selling price is about $512,700. Presently, the median rent price in the area is $3,000 per month, lower than the metro average of $3,500.

Currently, the market conditions in the Upper Keys is near parity, though there is a slight advantage for sellers over buyers. However, with the rate of home values expected to slow a bit, and the overall health of the local residential real estate market, the parity between buyers and sellers should reappear in the coming months.

As you can clearly see, the Upper Keys luxury residential real estate market is a very stable one and one that offers a lot of opportunity for savvy buyers.

Florida Keys Schools

Florida Keys schools include those administered by Monroe County, as well as several private institutions. (There are also charter schools in the Florida Keys, as well.)

Florida Keys schools are some of the best in the Sunshine State, at large. In fact, it’s one area in Florida where there’s a smaller teacher to student ratio. (At this time, the average student to teacher ratio in the Monroe County School District is an impressive 15:1, meaning fifteen students to one teacher.)

Now, the Florida Keys, which everyone knows is a chain of islands meandering from the southern tip of the peninsula, are made up of three sections. Running in between the Gulf of Mexico to the west and the Atlantic Ocean to the right, the Florida Keys are comprised of the Upper Keys, the Middle Keys, and the Lower Keys.

Each of these areas -- the Upper Keys, the Middle Keys, and the Lower Keys -- is home to several islands. Therefore, populations vary greatly from one island or key to another.

There are more than thirty schools throughout the Florida Keys, which include elementary schools, middle schools, high schools, and colleges and universities.

For instance, the Upper Keys are home to about ten or more schools, including St. Justin Martyr Preschool, Key Largo School (grades kindergarten through 8th grade), Coral Shore High School, Island Christian School, Plantation Key School, Treasure Village Montessori, and more.

The Middle Keys have about six schools, including Marathon High School, Marathon Middle School, and Stanley Switlik Elementary (K-grade 5).

The Lower Keys have the most schools in the Florida Keys, including one on Big Pine Key and one on Summerland Key. Key West boasts the most schools in the island archipelago, with a community college, a university, and several primary schools. These include, but are not limited to Gerald Adams Elementary, Grace Lutheran School, Hodges University, Horace O’Bryant School, May Sands Montessori School, Mary Immaculate High School, Poinciana Elementary, and Sigsbee Charter School.

Additionally, there are over twenty licensed daycare centers throughout the Florida Keys in Monroe County.

If you are planning to relocate to the Florida Keys, it’s best to learn as much about the area as possible. Although similar, there are distinct differences between the Upper Keys, the Middle Keys, and the Lower Keys. Also, identify your most wanted communities in order to look into the local public and private school options available in order to make the best choice.

Things to Do in Islamorada

Things to do in Islamorada range greatly in experience from mild to wild. That’s right, you read it correctly. There is much to see and do in and around Islamorada. So, let’s get straight to it. Read on to learn more about the best things to do in Islamorada.

Things to do in Islamorada are so varied, it’s hard to know where to start. The good news is, you can choose your level of excitement and/or relaxation.

Known as the “Village of Islands,” Islamorada is actually a collection of small keys. Formally incorporated in 1997, Islamorada is also known as the sportfishing capital of the world. But, don’t worry, if you’re not an avid angler, there’s still a whole lot to see and do. Here are the top things to do in Islamorada and beyond:

  1.  Go to the parks. Three natural destinations are at the top of the list: Lignumvitae Key Botanical State Park, Library Beach Park, Founders Park, and Windley Key Fossil Reef Geological State Park. What’s great about this is that each one has its own distinct experiences. In other words, these parks must be seen in person to be fully appreciated.
  2.  Explore far and wide. The parks aren’t the only getaway within this tropical getaway, there’s also a number of trails to follow at your own leisure. Plus, you can also explore shipwrecks and get up close to nature.
  3. Seek entertainment. There are few places like the Theater of the Sea. Here, guests see and learn all about dolphins and sea lions. In fact, it is also a historic location and definitely worthwhile to visit.
  4. Travel back in time. There are two venues where you can explore history: the Florida Keys History of Diving Museum and the Florida Keys History and Discovery Center. Each location offers a lot of history and interesting facts and figures about the Keys.
  5. Enjoy the water (in more ways than one). Of course, Islamorada is the sportfishing capital of the world. So, take advantage and hop on a charter. Or, try out a sailing trip. You can also scuba, snorkel, or just sunbathe.

Other activities in Islamorada include biking, hiking, paddleboarding, sightseeing, nightlife, dining, shopping, and a whole lot more.

The very best is waiting here for you to discover and enjoy in Islamorada. Just one visit and you’ll experience one of the best times of your life

Florida Keys Arts and Culture

Florida Keys arts and culture. The perfect combination of living in a tropical paradise and experiencing the best mankind has to offer. Of course, when people think about the Florida Keys, they typically think about sand, surf, sunshine, sailing, fishing, sunrises, and sunsets. But, there’s far more to the Florida Keys than just outdoor recreation. So, let’s take a look at Florida Keys' arts and culture.

Florida Keys' arts and culture are most definitely different than just about anywhere else on the planet. Even in like climates, there just aren’t any truly similar experiences like what you’ll find in Florida Keys arts and culture.

An island archipelago running from the southern tip of the mainland Florida peninsula between the Atlantic Ocean and the Gulf of Mexico, the Keys offer a unique lifestyle from Key Largo in the north, down to Key West in the south.

Now, let’s get into what to expect from Florida Keys arts and culture:

  1. Nature. We’ll begin with something a bit out of the ordinary but still relevant. The Florida Keys are awash with the wildlife of all shapes and sizes. And, you can encounter several different species at the Crane Point Museum and Nature Center in Marathon. Or, take a day to visit the Audubon House and Tropical Gardens in Key West.
  2.  History. The Florida Keys boast a very interesting history. (Like the fact Marathon is named after a joke by railroad workers who kidded about the project being a marathon-like undertaking.) Shipwrecks, ghosts, and much more are part of the Florida Keys history.
  3.  Museums. Speaking of history, you can see it for yourself in the Keys History and Discovery Center in Islamorada. There’s also more to learn at the Florida Keys History of Diving Museum. Of course, perhaps the most famous is the famous Hemingway Home and Museum.
  4.  Music. If you prefer a more formal experience, there are two choices: the South Florida Symphony and the Florida Keys Community Concert Band. But, there are plenty of places to experience live music in the Florida Keys with all the bars and other venues.
  5. Festivals. Two of the biggest events in the Florida Keys are the Pigeon Key Art Festival and Key West Craft Show. However, there are others, depending on when you visit and where you stay.

As you can see, there’s plenty to experience when it comes to Florida Keys arts and culture. Come live it for yourself!

Florida Keys Health Information

Whether you’re visiting or relocating to the Florida Keys, there’s some information you really should know about beforehand. Even taking an extended weekend trip to the Florida Keys might result in a situation where you need some type of professional health care. So, read on to learn more about the Florida Keys health information and what you need to know.

Florida Keys' health information begins with a few stats. There are, at present, approximately four hospitals in the Florida Keys. Additionally, there are about eight health care clinics. And, there are some other facilities which offer immediate care.

What’s more, there are a number of pharmacies in the Florida Keys and private doctors’ offices. (The Florida Keys also have a few assisted living facilities and nursing homes, along with a few skilled nursing facilities.)

Hospitals in the Florida Keys include, but are not limited to: the Lower Keys Medical Center in Key West, Mariners Hospital in Tavernier, Fishermen's Community Hospital in Marathon, The Medical Center at Ocean Reef in Key Largo, and the Homestead Hospital in Homestead. Additionally, the Baptist Children's’ Hospital is located in Miami, and the Kindred Hospital of South Florida is located in Hollywood, as well as another facility in Fort Lauderdale.

Besides health care facilities, there is also plenty of information about health care and healthy living, in general.

When you visit or relocate to the Florida Keys, you’ll need to take certain precautions to avoid certain situations. For instance, sunscreen is a must during any time of the year when being outside. Also, you’ll need a good pair of sunglasses to protect your eyes from the bright rays, glare off the water, and shine from the white sands.

Since the Florida Keys are in a subtropical climate, you can take advantage of the wonderful weather to stay healthy. At almost every day of the year, you can sail, swim, snorkel, boat, hike, bike, golf, play tennis, basketball, volleyball, and more.

Better yet, because of the super mild winters, you won’t have to worry about problems that come with snow and ice.

It’s also a good idea to test for food allergies before coming to the Florida Keys. Particularly for little ones, who haven’t yet had seafood. Also, for other allergies, such as pollen and more environmental allergens.

To learn more about health care information in the Florida Keys, visit the official Monroe County website at http://monroe.floridahealth.gov/

Florida Keys Arts and Culture

Florida Keys arts and culture. A phrase that inspires people and bites individuals with the travel bug. In fact, there’s much to discover and love about Florida Keys arts and culture and it’s all here and waiting to enjoy. So, let’s take a look at Florida Keys' arts and culture and what you can expect.

Florida Keys' arts and culture are quite unique. There’s really no place else in the world that’s really like the Florida Keys. A sub-tropical island archipelago off the south-eastern coast of the country, lying between the Atlantic Ocean and the Gulf of Mexico, the Florida Keys have so much to offer. Sure, there’s the weather, which is simply wonderful. But, there’s also more to the chain of islands. Here’s what you need to know about Florida Keys arts and culture:

  1. Festivals. The Pigeon Key Art Festival and Key West Craft Show are just two of several must-see events. You’ll find festivals during various times of the year and these gatherings are something wonderful to experience. Of course, most are for adults but there are events that are family-oriented and kid-friendly. However, the majority of festivals in the Florida Keys are wild and a whole lot of fun.
  2. Museums. Perhaps the most well known is the Hemingway Home and Museum. There’s also the Keys History and Discovery Center in Islamorada, along with the Florida Keys History of Diving Museum. But, this certainly isn’t an exhaustive list. Against such a tropical backdrop, these museums are a fantastic way to spend a day or two or even more.
  3. History. Okay, so most people don’t associate the Florida Keys with history. But, that doesn’t mean there are rich and interesting stories to tell. For instance, there are a number of shipwrecks around the islands to explore. There are also other ways to learn about the history of the island chain.
  4. Nature. Since the Florida Keys are primarily known for their outdoor recreation and more, nature is one of the biggest draws. You can also visit the Crane Point Museum and Nature Center in Marathon and the Audubon House and Tropical Gardens in Key West are just two ways to experience the best the Keys have to offer.
  5. Music. Again, the Keys have plenty for visitors and locals alike to enjoy. The South Florida Symphony and the Florida Keys Community Concert Band are two of the best.

Lastly, there’s the Marathon Community Theater and Key West Theater, which feature live performances.

Upper Keys Luxury Home Forecast 2019

The Upper Keys luxury home forecast for 2019 is shaping up to be a good one. Thus far, the luxury real estate market and other resales in the Upper Florida Keys have seen dip inactivity. However, this isn’t unusual in a destination location.

Located just off the coast of the Florida peninsula and including Key Largo, Elliot Key, Old Rhodes Key, and North Key Largo, the Upper Keys are one of the best places to own real estate. So, let’s take a look at the Upper Keys luxury real estate forecast for 2019.

Right now, the Upper Florida Keys home forecast looks steady and strong. At this time, the median house value in Key Largo, in particular, stands at just over $631,000.

Over the course of the past year, home values have risen in the Upper Keys and Key Largo by a good 3.5 percent. Industry experts predict home values in the Upper Florida Keys will continue to climb by approximately 2.3 percent throughout the year.

The median list price per square foot in Key Largo currently comes in at $595. This represents a higher number than the median square price for the entire Key West Metro average of $520.

At this point in time, the median list price for homes for sale in the Upper Keys is just less than the median list price for homes in Key Largo, which comes in at $898,500. However, the median sales price on the same island, Key Largo, is $599,400, while the median sales price in the Upper Keys at large is lower.

Right now, the median rent price in Key Largo specifically is $2,800, which is below the rent rate for the Key West Metro area of $3,500.

Also, the balance between sellers and buyers is off. At this time, the Upper Florida Keys residential real estate market favors buyers far more than sellers. This means there is more available inventory for sale than buyers. Although, this scenario won’t remain for long.

On the other side of the equation, sellers have an advantage thanks to one statistic. The current rate of mortgage delinquency is statistically non-existent. By comparison, the countrywide number is 1.1 percent. This helps sellers because there are very few to no distressed properties to compete with and drive down prices.

As you can see, the Upper Keys luxury home forecast is one that shows big promise in the not too distant future.

Advice for New Real Estate Investors

Advice for new real estate investors is essential to success. After all, you need to go into the venture with the most information possible. The more you know, the better it will serve you, no question about it.

Real estate investing can provide a huge return on investment. And, you will make mistakes, there’s just no way around it. But, by being proactive, you’ll have a distinct advantage over those who jump in with both feet, totally unprepared.

That’s why you need some solid advice if you are a new real estate investor. Here are some key points to know about before you get into real estate investing:

  1. Realize this is a business. “Don’t let emotions take over.” You’ll hear this advice about any type of investing. And, it’s particularly true with real estate because it’s something that’s tangible. You can see and touch it and it has context with the neighborhood around it. Stocks don’t provide this and so it’s much easier to get emotional about real estate.
  2. Find an experienced agent. Having an experienced agent on your side will prove a huge benefit. You’ll have someone who has been through the process several times before and that’s a fantastic resource.
  3. Team up with a mortgage broker. Yes, you’ll also need to team up with a mortgage broker. This is the person who will provide you with various financing options and this will help you make a better decision.
  4. Know where to look for properties. While you might have an idea or two where you’d like to buy, don’t ignore other neighborhoods to your detriment. (By the way, this is where working with an experienced real estate professional comes into play.)
  5. Speak with other real estate investors. Don’t think you’re better off keeping to yourself -- it’s just not true. It’s far more advantageous to be in the loop, catch as much feedback as possible, and have peers to bounce ideas off.
  6. Understand the real costs of investing. There are three rules to buying and rehabbing properties: it will cost more than you estimate, take longer than you think, and you’re not an exception. The costs are real and substantial. So, run all the numbers to understand what’s really at stake.
  7. Keep researching and learning along the way. Just like with anything else, you need to keep learning throughout your journey for your own benefit.

Islamorada Florida Resorts

Islamorada Florida resorts are some of the best things about visiting the Keys. It’s true. People not only come to Islamorada to enjoy the sunshine and slow-paced tropical lifestyle, but they also visit to take in the weather and a whole lot more.

Islamorada Florida resorts provide great escapes from the day to day drudgeries of life. And, there are few places to find all Islamorada has to offer. Known as the sportfishing capital of the world, Islamorada is actually a collection of islands.

What few people know is there are not many sandy beaches here in Islamorada. Sure, you’ll find white sand elsewhere, but it’s largely absent here. However, that doesn’t mean you can’t find some of the finest the Upper Florida Keys has to offer.

So, let’s take a look at some of the top Islamorada Florida resorts and what you can expect when visiting the Keys:

  1. Cheeca Lodge and Spa. This getaway first opened in 1946 and lays claim to being one of the original luxury properties. It covers an impressive 27 acres with plenty of gorgeous scenery. There are over two hundred rooms and a five hundred plus foot pier. Stay here to enjoy views of the ocean, the well-manicured grounds, or a peaceful lagoon.
  2. Pelican Cove Resort and Marina. This resort was refreshed with a renovation back in 2014 and offers just over sixty rooms. There are private balconies here, along with mini-refrigerators, in the rooms and it’s a great place to explore the outdoors.
  3. Amara Cay Resort. This resort also received a makeover renovation, which was completed in 2015, transforming it immensely. The rooms are modern and it’s best known for its location. Built right on the water, this is the place to stay to enjoy sailing, diving, snorkeling, canoeing, kayaking, paddleboarding, and more.
  4. Chesapeake Beach Resort. This is the place to stay for those seeking a more family-oriented experience. It includes sixty-five guest rooms and is close to the Windley Key Fossil Reef Geological State Park and other destinations.
  5. La Siesta Resort and Marina. This resort is tucked away, out of sight from the Overseas Highway. Its seclusion makes it ideal for those really wanting to get away and enjoy a private beach. Hang out in a hammock and enjoy the scenery.

Of course, there are certainly more options here in Islamorada. So, take the time to come down and check out the Florida Keys.

Islamorada Beaches

Islamorada beaches offer some of the best natural experiences in the Florida Keys. Located in the Upper Florida Keys, south of Key Largo and north of the Middle Keys, Islamorada translates into “purple island.”

It’s actually a collection of multiple islands colloquially known as the “Village of Islands.” And, it’s home to some of the most delightful beaches in the Upper Keys, off the coast of the main peninsula. (Plantation, Lower Matecombe, Indian, and the two Lignumvitae Key islands.) So, let’s take a look at the beaches of Islamorada and just beyond.

Islamorada, which is widely known as the Sports Fishing Capital of the World, has much to offer. Scuba diving, snorkeling, sailing, hiking, biking, and more all await. Then, there are the beautiful Islamorada beaches. Now, something that comes as a bit of surprise to many first-time visitors to the Keys is there’s not really all that much beach. However, there are some great beaches in Islamorada, like the following:

  1. Anne’s Beach. This is a shallow-water, Atlantic-side beach, with depths only up to the knees, at least, in from the channel to the shore. At low tide, there’s more beach to enjoy. But, it’s also equipped with a boardwalk, pavilions, and picnic tables, along with benches. This is also a pet-friendly beach, complete with restrooms, for visitors’ convenience.
  2. Long Key State Park. Also an Atlantic-side beach, Long Key State Park is a great place to kayak or canoe, snorkel, or paddleboard. It’s a bit rocky in places, which means water shoes are highly suggested. Like Anne’s Beach, it’s mostly shallow here and the water is generally calm.
  3. Founders Park Public Beach. This is a wonderful destination for families with kids. Here, you’ll not only find a beach to enjoy but plenty of other outdoor activities. For instance, there’s a huge swimming pool which shows movies at night. Plus, there are baseball and softball diamonds, along with basketball and tennis courts. What’s more, there’s a skateboard park here. Founders Park Public Beach is on the Gulf of Mexico and boasts barbecue spots, restrooms, as well as showers.
  4. Library Beach. Although not particularly large, this is one the locals pretty much keep to themselves. It too is equipped with a barbecue area, picnic benches, and a playground and restrooms. But, exercise caution because it contains strong currents during tide changes, with a rocky bottom.

There you have it, the best beaches in Islamorada to visit and enjoy.

Condo Investment Strategy

A sound condo investment strategy is something that’s definitely needed when entering the real estate market. Condos are particularly attractive to real estate property investors for a number of reasons.

First, condos often exist in high demand areas. (This is actually the entire reason for condos in the first place. With multiple owners, the cost is a lot less than single-family homes.) Second, condos usually offer maintenance and more upkeep. Third, condos cost less to maintain but still enjoy equity gains.

A good condo investment strategy not only takes the above into consideration but other factors, as well. For example, condo communities typically enjoy a few to several amenities. These can include a swimming pool, a gym, a tennis court, a golf course, a clubhouse, beach access, and more. The great thing is, the owners don’t have to keep these up. Instead, the condo association does the work.

A solid condo investment strategy means looking for the right unit in the right community. So, let’s take a look at some key factors you need to focus on for the best condo investment strategy:

  1. Age. This works two ways -- not only the age of the community and buildings themselves. But also, the age restrictions. Both are important to know upfront in order to make the right selection.
  2. Common areas. One of the best things about owning a condo is it’s essentially owning a house without yard work. Although the association takes care of common areas, such as the parking, pool, and more, it’s equally important to know how the residents treat these areas.
  3. Safety and security. Of course, safety and security are very important for a plethora of reasons. So, be sure to learn about the community’s safety and security in order to avoid risky or bad situations.
  4. Quality of life. This means the overall “mood” of the community’s residents. In other words, it’s very crucial to buy into a community where there’s a lot of camaraderies. Obviously, you don’t want to buy a unit in a condo building that’s full of busybodies and crabby personalities.
  5. Parking. Yes, parking. Since it’s not a single-family residence with a dedicated driveway, parking is a huge deal. While this might not seem like much of a concern, it’s huge when it comes to daily routines.

Overall, do your research and look into the specifics before buying any real estate. Take your time and you’ll be able to put together a good condo investment strategy.

Using Outdoor Lighting to Help Sell Your Home

Exterior lights

Landscape lighting options generally embrace one among two prevalent trends. The first method is by using floodlighting and landscape lights to cast subtle lighting upon your landscaping or perhaps your home's architectural design. The second option includes wall fixtures and lampposts, that provide light while setting up a more noticeable contribution in your outdoor dÈcor. While bronze lighting fixtures have historically been the favorite outdoor lights of preference, cast aluminum light fixtures recently become trendy. Cast aluminum's fabulous style options and rust-resistant finishes are drawing customers to them.

Outdoor lighting can certainly make your outdoor area more usable inside the evenings. Adding a good, warm light could make your yard or patio look cozy. It may enhance the appearance of any landscaping you currently have in your yard and highlight certain plants or designs. But it may also provide a nice light that you can enjoy when you are outside, making it easier that will help you and savor your outdoor space after the sunsets.

Outdoor lighting is actually vital that you gardening design as well as home security. Low voltage exterior lights are subtle but bright enough to light pathways as well as other main parts of the landscape. Many low voltage outdoor lights just use 4 watts of power, which will save the householder funds on the utility bill, but these can be as bright because of the homeowner's wishes.

Landscape Lighting

The advantages of an attractive landscape should not be disputed: it can make your house lovelier plus more valuable on the market. Landscape lighting installation can enhance that landscape even more from the negative effects of shadows, up and spot-lighting. But what many homeowners don't realize is the fact enhancements like these not simply look pretty - they're beneficial to the home, too. Furthermore, Landscape lighting installation boosts the advantage of existing landscape designs without hurting your wallet.

Solar Powered Exterior Lights

3. You need to know that proper light placement is quite vital for yourself to be able to achieve that effect that you desire to achieve inside your garden. There are a few individuals who will only end up being disappointed using the placement of lighting inside their yard as a consequence of electrical concerns nonetheless. We will no longer have the desire to handle types of issues because of Solar Powered Landscape Lighting which will illuminate our place without those group of wiring which makes the whole thing looks chaotic great thing.

When looking for Solar Powered Landscape Lighting, there are a few contemplations to create. First, take into account the brand mainly because not all solar lights are equally made from all. Should you go for something cheap, you could possibly realize that you will be acquiring an inferior one even though this is incorrect all the time. What you must do is to research the brands as well as the models before purchasing any. Furthermore, check exactly how the lights will function during the single day's charge ahead of the procurement. This is certainly to discover how long it is possible to anticipate the lights to shine all through the full night. In fact, you intend to beautify your house with these lights not merely for an hour but also for the whole evening.

Advantages of Deep Boating

When it comes to deep boating, one should most definitely keep in mind Venetian Shores, a lively subdivision in Islamorada, located in the Upper Florida Keys. With a helpful 4 foot draft, Venetian Shores is where a boat-lovers dream comes true. But, why is this so? And, what are the biggest benefits of deep boating when it comes to waterfront property?

For those unfamiliar, deep boating is in relation to the haul and draft of a water vessel. For example, a large sailboat might have a haul which requires a depth of at least 4 feet to operate safely. Of course, there are also powerboats and yachts which require a given depth to operate safely.

If you are an owner of such a water vessel, you’ve no doubt invested a substantial amount of time and money into the craft. Which means you need a property that is up to par to function on a level that accommodates deep boating.

In other words, you cannot purchase (or own) property on the water that’s shallow. Simply put, you could not sail or drive up to the property because the water depth is not deep enough. Additionally, the water depth must not drop below a given level when the tide is out.


Of course, large vessels also require space in more ways than one. There must be ample room to maneuver and make turns, coming in and out.

Then, there’s the ability to dock vessels of different sizes. Small boats have the ability to dock almost anywhere. But, larger crafts must have a sizeable room.

Living in Venetian Shores

Venetian Shores is a vibrant subdivision in Islamorada in the beautiful Florida Keys. And, there are several advantages to buying a home here. It’s not just the gorgeous weather but that’s certainly one of the biggest draws (if not the largest single reason people choose to call this community home).

Here in Venetian Shores, you’ll find all sorts of things to do and see. It’s an ideal place to live, simply due to the incredible location.

Venetian Shores

If you’ve ever considered moving to the Florida Keys or simply want to own property on an island, Venetian Shores should most definitely be on your must-see list. And, here’s a few compelling reasons to buy a home in Venetian Shores:

  • Wonderful weather. Okay, so we’ve can’t overlook or miss the opportunity to revisit the weather. Here, it’s downright delightful in the fall and spring. Plus, the winters are extraordinarily mild. Enjoy the warm, balmy but beautiful summer months, too.
  • No state income tax. Another great thing about living in the Sunshine State is there is no state income tax. So, you keep more of what you work so hard to earn.
  • High property appreciation. Since land is at a premium in the Florida Keys and it’s one of the most desirable places to live in the country, property appreciation is very strong.

Plenty of outdoor recreation. Of course, there’s much to see and do, day in and day out. Because of the weather, you’ll have ample opportunity to enjoy the subtropical island lifestyle.

Things to Do in Key Largo 

There are many things to do in Key Largo. Plus, a whole lot to experience and plenty of sightseeing, as well. Located in the Upper Keys about an hour from Miami, Key Largo is known for its tropical climate, gentle breezes, and warm, gorgeous waters. Of course, many people come here for the island experience and to get away from the cold. But, it is much more than a warm environment. Key Largo has a lot to see and do and it’s not possible to take it all in on one single trip.

Things to do in Key Largo include sunsets, sunrises, fishing, boating, snorkeling, scuba, and sightseeing. However, this doesn’t even scratch the surface. So, let’s take a look at more things to do in Key Largo:

  • Some experiences are worth slowing down and taking time out. That’s particularly true in the case of kayaking. Take a charter to see Key Largo in a whole different light. Get up close to marine life and much more. Kayaking is a great way to get in touch with nature while relaxing all the while.
  • Snorkel Charters. To go a bit further, hop out of the kayak and get right into the water. Snorkel about to discover even more than you can on the surface. Emerge into an entirely different and wonderful world.
  • Of course, there’s always the thrill of the big catch. You can join a charter and go out on the water to test your angling skill. Here, you’ll experience more than just a day out. This is an opportunity to see dolphins in the wild, as well as many more marine species.
  • Scuba diving. The Florida Keys are well-known for the treasure trove which lies right below the waves and into the deep. Here, shipwrecks are found all over, along with beautiful coral reefs. Plus, you’ll swim among the creatures large and small.
  • John Pennekamp Coral Reef State Park. Speaking of coral, there’s plenty of it here. But, you don’t have to snorkel or scuba to see it in-person. Instead, take a glass-bottom boat and see it all.
  • Dolphin Plus Bayside. For those who want to learn more about some of the most adorable, smartest, and beloved marine mammals, this is the place to go. Learn about these wonderful creatures and get up close.

Of course, there’s also Dagny Johnson Key Largo Hammock Botanical State Park and Botanic Gardens at Kona Kai

Beachfront Condos = great vacation rentals plus higher profits 

"There’s nothing like the beach. The surf and white sand impart such a soul serving view and make sunrise and sunset even more spectacular. Though many people in the market to buy a home would love to be right on the water, they regard it as too expensive and something of a daydream.

Living on a beachfront isn’t something that’s obtainable for people with modest budgets, even those that have a lot more purchasing power generally don’t entertain the notion they would be able to afford beach living.

However, it’s really not that expensive to live in a beachfront property. You just have to be willing to think a little bit outside the box. When most people think about beachfront property, their imaginations conjure up grand images of big homes, standing widely over white sand. Though these properties certainly do exist, they are not the only ones available, giving you more options.

Investments Advantages of Beachfront Condos

If you really want to live on the beach, there’s really no reason you can’t fulfill your dream. Condos are a way to realize your longstanding dream. What’s more, you can have it all and make a wonderful investment in your future and here are the reasons why that’s true:

Beachfront property is finite. You know that beachfront land is at a premium because there’s only a finite amount of it. That parcel, practically no matter its size, is going to substantially increase in value as time goes by and won’t suffer from market fluctuations nearly as much as landlocked properties.

You get a lot more for less. The cost of a condo purchase will be substantially less than a single-family residence on the beach. You will pay a much smaller price and enjoy rapid appreciation, along with a strong asset allocation, when you buy a beachfront condo.

It has strong income potential. If you purchase a beachfront condo, you are ensuring a nearly unceasing occupation by renters. This is a situation in which you can decide on what works best for you. Rent it seasonally and live in it when you want.

The maintenance will be minimal. In a single-family home, you are responsible for the expense of maintaining the entire property. That’s not an expense you’ll have to incur to the extent of a single-family residence, which is substantial

The bottom line is, when you purchase a beachfront condo, you are making a strong investment in your future, along with having the many amenities of security, simple maintenance, and a heft appreciation rate.

Where You Live is How You Live!

Many people have heard the phrase "you are what you eat" and have taken it to heart. What you put in your body becomes your body. The same can be said about your surroundings. Where you live is how you live. Put simply, people are a product of their environment, which is why most people living in larger cities, almost always have higher stress levels.
The effects of higher stress.
Research has documented that high levels of stress definitely increase the risk of heart disease and strokes among other illnesses. In addition, increased stress is also counterproductive when it comes to getting things done, as high-stress levels take away precious energy. Alternatively, living a life where stress levels are less, has been linked to lower blood pressure and a more general sense of well-being.
The conclusion is, that if you live in an area that has lower levels of stress, it can, in turn, lead to a better quality of life. So, for those who are looking for a change of pace, moving to an area where stress levels will decrease is always a good decision.
For example, those who live in areas such as Florida beach towns will almost always enjoy lower stress levels. The sound of the ocean, the feeling of the sand between your toes and sunny days are life's natural mood enhancers and will, in fact, change the way you view the world and your life.
As a decision, moving to the beaches of Florida could be the best thing you've ever done for yourself. Consider that you may owe it to yourself and your family to seriously consider this as a life-changing option. The beaches of Florida are some of the most beautiful in the world, and making your new home in the Upper Keys can be a wonderful way to decrease your stress levels.
Picture yourself sitting on a hammock, sipping a drink, and looking out towards the ocean. The years of hard work, don't you owe yourself something?

Importance of Pricing your home right, to sell

In today's market, selling your home for its maximum value can be difficult. There's a fine line between setting a high price that provides you with a few bargaining rooms and one that scares off potential buyers. Clearly, a competitively priced home will attract more buyers, but will unavoidably lessen your final profit. Therefore you have to think cautiously about the bottom line beforehand, that's, how far you're willing to lower your asking price once a bid is received. There are several ways to assist you have set your price more efficiently on the market, the first of which is to study comparable homes in your area.

Unless of course, you live in a very sparsely inhabited area, you must think about your area to be any houses within a half-mile radius. By doing your homework on local sales, you'll capable of getting a better idea of the real market value of your home. You first need to differentiate between previous sales and active listings, as active listings that were available on the market for an important amount of time haven't sold for a reason. Most of the time, this reason is that they're overpriced. To get an even better indicator, you should find records of pending sales as these are more current than lately completed sales which might, in fact, have been agreed on months before and are likely to be out-of-sync with the market.

Another mistake people make is overpricing because they feel they have the advantage of time and may wait around for the offer closest to the required price. This tactic will only succeed in an appreciating market, while in a stable or declining market, buyers will steer clear of playing the waiting game themselves. Again, keeping an eye on market movements will enable you to make quick adjustments to the asking price to take account of market trends. Doing so might earn yourself a valuable head start on competing homes in your area. Lastly, you'll need to be capable to see your property critically in the eyes of a buyer. Even though you can have lived there and come to love it as your home, you must see all of the possible negatives and either invest money in improving them if possible or take them into account and adjust your asking price accordingly.

Guide On How To Get Affordable Home Insurance Rates

Make any insurance company aware of your home security system when looking for quotes. A security system for your home that is monitored remotely can lower your insurance premiums significantly.

Get a decent alarm to reduce your homeowner's insurance premiums. This reduces the chances of someone breaking into your home. Your insurer will stop considering your house as a risky and decrease the price of your insurance. Remember to send your company proof of your new security.

There are many things that can unexpectedly cause damage to a home. You need to purchase a fire insurance policy that protects your investment from the fire caused by arson, wildfire, arson, storms, cars, and earthquakes. Look at your policy, and don't be afraid to ask questions to ensure that you are completely protected from fire.

You should install extra smoke alarms in your house. Insurance companies offer better premiums if you have smoke alarms installed in your home. Adding carbon monoxide and smoke detectors can convince your home owner's insurance that your house is not as risky.

You can lower your homeowner's insurance premiums by putting in a home security or alarm system. These systems are usually not expensive to install and will provide you with a feeling of safety while you are away or at home.

Safety is key when it comes to insurance. Having burglar alarms, burglar alarms and fire extinguishers on your property, and fire detectors on the property can lower your premiums. It may also save your life, so it's a good idea to get these things and learn all you can about them.

Purchasing a home owner's insurance does not need to be a horrifying experience. Using the tips above can ensure you're covered. You can turn possible tragedies into just inconveniences. Many terrific coverage choices, agents, and insurers exist, and you now have the tools you need to identify them.

Tips Regarding Real Estate Investing

This article can get you started. Continue perusing this article for some useful facts and ideas.

Find like-minded people that are in this business and learn things from them. There are many people interested in real estate. There are many groups who feel the same way. If you can't find one nearby, check the Internet for investor forums. Get out there and learn from your peers.

Dedicate a set quantity of your time to learning what you need to know as well as running your business. You must budget your time wisely if you want to make more money over the long haul. Ditch poker night or another guilty pleasure so you go to in order to become a better investor.

Stick with niches you are comfortable with. You will find more success by focusing on your market niche. No matter if you flip home or have properties with cheap down payments, keeping with what you know will really help you succeed.

Location is definitely the most important aspect of prime importance when it comes to real estate investment. Property condition and other issues can be fixed. Properties that are located in rapidly depreciating locales will rarely be a wise investment. Know what you are doing and make sure to research the area where you live.

This will help you get moving on the right foot. There is nothing worse than paying out of the mortgage payment from your own pocket because a renter is behind.

Look at the neighborhood before buying a property. Neighborhoods that are desirable will have a lot of value at all times, while a depressed neighborhood could bring you very low returns. The location will always be essential when assessing a property's value.

It may even be illegal to dig before checking for lines, and you definitely don't want to cause any damages.

Don't get real estate in bad neighborhoods. Know all there is to know about the location of your prospective property before you buy it. Do your homework in advance. A good deal on a beautiful house may mean that it's in a bad area. It can be hard to sell and this type of home could be vandalized easily.

This article has shown you that when you have good information, the understanding of real estate is not really that hard. It pays to acquire the most knowledge possible in order to be truly conversant on real estate investment topics. Anyone can learn to do succeed in property investments, and with these tips, you should have no trouble getting started.

Understanding Home Mortgages

{Buying a new home can be fun if you do not get overly stressed during the approval process.|If you do not get overly stressed during the approval process, buying a new home can be fun.} There are a number of requirements that must be met, and this article is loaded with information to inform you of the essential tips you need to know. Continue reading to learn some great tips to use to get yourself through the mortgage process.

Start early in preparing yourself for a home loan application. Your finances must be under control when you are house hunting. You should have a healthy savings account and any debt that you have must be manageable. {If you are not in good financial shape when you apply for a mortgage, you will likely be turned down.|You will likely be turned down if you are not in good financial shape when you apply for a mortgage.}

{If you're thinking of estimating your monthly payments for mortgage, you need to see about getting yourself pre-approved for loans.|You need to see about getting yourself pre-approved for loans if you're thinking of estimating your monthly payments for the mortgage.} Shop around to see how much you are eligible for so you can determine your price range. After you do this, it will be simple to determine monthly payments.

{Reduce or get rid of your debt before starting to apply for mortgage loans. Before starting to apply for mortgage loans, reduce or get rid of your debt. When your consumer debt is low, you will qualify for a higher mortgage loan. If you are carrying too much debt, lenders may just turn you away. Lenders may just turn you away if you are carrying too much debt. Carrying debt could cost you a bunch of money via increased mortgage rates.

You will most likely have to pay a down payment when it comes to your mortgage. Some banks used to allow no down payments, but now they typically require it. Now they typically require it, even though some banks used to allow no down payments. Find out information on the down payment requirements in advance of submitting any loan application.

Your mortgage loan is at risk of rejection if they are major changes to your finances. If they are major changes to your finances, your mortgage loan is at risk of rejection. Make sure you have stable employment before applying for a mortgage. Before applying for a mortgage, make sure you have stable employment. Avoid changing jobs until the lender has approved your loan because they have based their decision on your current employment situation.

Define your terms before you apply for the mortgage, not only will this help show your lender you are equipped to handle the mortgage, but also for your own budget. Also for your own budget, even though define your terms before you apply for the mortgage, not only will this help show your lender you are equipped to handle the mortgage This means that you should set an upper limit for what you're willing to pay every month. No matter how much you love the home, if it makes you unable to keep up with your bills, you will wind up in trouble. If it makes you unable to keep up with your bills, you will wind up in trouble, no matter how much you love the home.

Many people have to get a mortgage in order to own a home.|In order to own a home, many people have to get a mortgage. A lot of the stress comes from a lack of understanding. Once you understand you will know what you will need to get approved. Use the tips located above to ensure you have the knowledge to complete a home mortgage.

Why It's Important for Homeowners to Get Involved in Their Community

When you’re ready to buy a home, most experienced real estate professionals to make it a good investment, it’s got to be in a great location. So, the old adage of “location, location, location” isn’t a myth. But what it really means is buyers should choose a home that’s easy to sell. Now, that doesn’t make sense at first but it does become quite clear when you think it over for a moment.

Why It's Important for Homeowners to Get Involved in Their Community

It’s important to buy a home in a good community and not just for safety. It’s about living in a connected neighborhood. And, that means a more enjoyable life but also, better home appreciation.

Before you dismiss this notion, consider this -- would you rather live in a neighborhood without a sense of community or one with connectivity? The reason it's’ important is that the more involved people are, the more stock, time, and effort they’ll put into the community.

When neighbors are connected, they’re more apt to take care of more than just their own house. They pay attention to details about the neighborhood. And, they do more to make their neighborhood the best it can be for their own benefit. After all, it’s in their best interest.

Here’s another thought experiment -- homeowners associations. Now, this might conjure negative associations but the entire reason behind HOAs is sound. That is to say, HOAs exist to keep a community looking its best. Your neighbor can’t devalue your home by letting their house fall into a state of disrepair.

However, this community involvement goes further than just your own block. It extends to the actual surrounding community. And, by being involved, you’ll contribute a little more to make it a better place to call home.

So, why is it important for homeowners to get involved with their community? Well, it’s all about making a better place to call home. Here are a few suggestions for how homeowners can get involved with their community:

● Volunteer. A local church, school, civic center, and others always need volunteers. Give your time and you’ll feel rewarded and a sense of making a difference in your community.
● Be an ambassador. Whether you’re in the neighborhood, out and about, or traveling, you can act as an ambassador or evangelist for your community, speaking about its great attributes.
Stay involved. When you see a problem, don’t assume it’s already been reported. For instance, street lights that go out are a hazard. So, report things like this and stay involved with what’s going

Have a Great Vacation in Islamorada

Islamorada is located in the Upper Florida Keys, right below Key Largo (which is just south of Miami). Islamorada is greatly known as the world’s fishing capital, but that certainly isn’t the only reason to vacation here. Every year, thousands upon thousands of people come to vacation in the Florida Keys, and those who visit Islamorada are among the most fortunate.

Islamorada Florida Vacation

If you’re considering going on a tropical island vacation, look no further than Islamorada. Not only is the fish world-class, invigorating, and a lot of fun, it’s a lifelong memory. And, there’s more to do than feel the thrill of the big catch. Here are some more reasons to book an Islamorada Florida vacation:

● You can explore freely. Whether you visit Indian Key Historic State Park or go to Long Key State Park, you’ll find the absolute best in Florida nature. There are plenty of hiking trails and mangroves to discover.
● Dive those incredible wrecks. For the more adventurous, there’s always scuba and it doesn’t get any more incredible than diving shipwrecks.
● See a dolphin show. Go to Theater of the Sea and watch dolphins do amazing things. You’ll also see sea lions and even stingrays up close.
● Check out the live entertainment. There’s plenty to experience in Founders Park, with concerts scheduled practically all the time.
● Go back in time. Islamorada boasts a very rich history and there are plenty of venues to transport you back in time to learn about this special place.

Of course, you can always a picnic, or kayak, bike, or just watch a captivating sunset.

Why Home Warranty Insurance is Importantly

Home warranty insurance is important for buyers and sellers of the residential real estate because it offers peace of mind. When you buy or sell a property, having home warranty insurance is a big-time benefit.

Why Home Warranty Insurance is Important

Home warranty insurance is important because it offers some key advantages and makes it well worth the small cost. And, if it’s used, then it becomes more financially worthwhile.

Typically, home warranty insurance covers the major systems, such as electrical, plumbing, HVAC, and major appliances. But these aren’t the only reasons home warranty insurance is important, there are others, as well:

● Peace of mind for buyers. Let’s face it, when you buy a home, you’ll open your wallet time and time again. Even before you are ready to buy, you’ll have to save for a down payment, earnest money deposit, inspections, closing costs, and more. With home warranty insurance, you won’t get hit with a big expense at a time when you’ve already spent a lot.
● An attractive feature for sellers. If you’re a seller, offering home warranty insurance is a great way to set your property apart from the competition. After all, buyers are more apt to find it attractive than homes without such coverage.
● A wonderful way to get coverage. If the home isn’t new construction (which generally come with warranties and guarantees), home warranty insurance is the best way to get crucial coverage. And, most policies don’t charge more for older homes.

When it comes to buying or selling, home warranty insurance is a very welcome benefit. For help Buying or Selling Islamorada Real Estate please contact me

How to Find The Property Lines on Your Land

As a landowner, one of the best ways to avoid neighborly disputes is by knowing the location of your property lines.

Property or boundary lines are in fact the points that define where the land of one owner ends and the property that is neighboring begins. Boundary lines are used by a property owner to determine where that is legally able to place things such as driveways, pole barns, fences, outbuildings, or anything else. Erecting a structure that is partially on or directly on another person's property can lead to unpleasant situations and lawsuits with neighbors.

1. Check Your Deed

The legal description of your property is found in the deeds, basically, this is, in other words, the measurements and boundaries of your property. The property descriptions, for most people, can be quite difficult to interpret, so it may not be something you find helpful, However, there are times in which the legal descriptions measurements and landmarks which you are able to interpret. If this is the case, a measure based on the landmarks found in the descriptions of the property lines.

With a stake or other marker, mark each corner, Measure from one stake to the next all around the property to guarantee that the measured lines coincide with the deed. By physically measuring the boundaries you will be able to determine visually where the lines are and therefore avoid encroachment on your neighbor's land. However, be warned: an old description may have relied on where a tree which no longer exists was located or a creek which has gone dry.

2. Look Online for the Assessor´s Office in your Municipality's Official Website

There are assessors who offer mapping tools online for all of the real estate in their area, You can use these maps to find your property's boundary lines as well as to determine the location of nearby landmarks, for example, the last line of your street. These landmarks can then be used as fixed points to measure from. Using a measuring wheel or tape measure, measure the distance from every one of the landmarks all the way to your property as displayed on the maps.

3. What If There is No Copy?

If you do not have your own copy, and you cannot find anything online, you can pay the county recorder's office or the assessor´s office a visit. When you purchased your property, you probably read a plat map, this shoed property measurements, and lines. If you do not have it amongst your paperwork, you can check the local surveyor´s or clerk´s office. Ask about any maps that are available for public viewing which should include your neighborhood as well as your street. You may even find some of these maps online, another shower will be microfiche copies or hard copies. If shared property lines are shown on maps of neighboring properties, they can be valuable.

4. Hire a Surveyor

Last but not least, hiring a professional is the most surefire way in which you can determine legal property lines. The surveyor is able to measure as well as map your property and generally will also mare the corners of your property with stakes Being present when the surveyor arrives to measure your property is always recommended. The costs of a survey always vary depending on where you are located, the size of your lot, as well as other variables. Not only should the surveyor be licensed within your state, but they should also carry professional liability insurance, this will cover you if for any reason the surveyor makes some sort of mistake in the survey. For help buying or selling Islamorada Real Estate please contact me

Things to Do in Islamorada

Although only 20 miles in length and amazingly a small and narrow as 150 wide in some locations, Islamorada is actually a chain of islands in the Florida Keys which formally incorporated in late 1997. But, it’s home to much to see and do, aside from its well-known beaches, fishing, scuba diving, snorkeling, sailing, sunsets, and much more. Here are just some of the things to do in Islamorada:

  1. Visit the parks. Lignumvitae Key Botanical State Park, Library Beach Park, Founders Park, and Windley Key Fossil Reef Geological State Park are all located in Islamorada. And, each has something unique and fun to offer visitors. So, when you go to Islamorada, take some time to smell the proverbial roses and enjoy these wonderful natural beauties.
  2. Explore your heart’s content. Islamorada is not only home to some great parks, but it’s also home to shipwrecks and mangroves. You’ll find these intriguing to say the least. There are also a number of trails to explore in and around Islamorada.
  3. Be entertained. See a dolphin show or take in a live show. Visit the Theater of the Sea to enjoy the antics of dolphins and sea lions. This is also a historic location, being the second oldest marine mammal facility on the entire globe.
  4. Go back in time. Florida Keys History of Diving Museum and the Florida Keys History and Discovery Center are great places to time travel. You’ll learn much about the history of the Florida Keys and diving while having fun all the while.
  5. Picnic, sunbathe, and stroll about. Anne’s Beach and Islamorada Library Beach are great places to soak in the sun, stroll down a boardwalk, and have a bite to eat. Take a quick dip while you’re there and enjoy the wonderful water

Why A Condo can be a Great Choice For Retirees

A condo is a good living option for retired people who still want an active lifestyle. While a retiree can live in an apartment complex he or she desires, certain buildings attract certain demographics. For example, young people tend to flock to condos in the middle of the city. Those who want to mix with other retirees should select a condo retirement community.

It is important to be aware that these communities are not assisted living homes. The people who live in retirement condos tend to be older adults who are capable of looking after themselves. As these people are still active, they want to keep busy with activities and social events.

There is a wide variety of low-rise and high rise condos available to retirees. Most retired people take the purchase or rental of a new property as an opportunity to downsize. There is no point in taking care of a large family home when retirees do not need that much space.

There are many benefits that come with living in a retirement condo. Some of these are listed below.

- Retirees will have more time for activities as they will no longer have to deal with maintenance issues.

- Residents will get to know their neighbors and become close friends.

- The building will organize activities, outings, and social events for residents. This is a great way to get to know other residents.

- Most retirement condos have excellent facilities such as a tennis court, swimming pool, and gym.

Another core benefit of condo living is increased security. Many apartments will have keypad access. This means that strangers will not be able to get into the building.

The average condo has very low crime rates. This is due to their outstanding security features and the fact that residents keep an eye out for unusual behavior.

New buyers and renters should ensure that they know exactly what they are getting into when they sign a condo contract. The best way to do this is to research properties and keep an eye out for the following issues.

- The condition of the building and the apartment.
- Homeowners association fees.
- Budget reserves.
- The quality and frequency of condo activities.

Overall, living in a retirement condo can be a lot of fun. The last thing active seniors want to do is sit in an apartment all alone. Retirement condos prevent this from happening by planning numerous social activities for residents. As the building is taken care of by the homeowners association, residents can spend their time participating in activities or using the condo's facilities. Most residents find that condo life improves both their mood and their health.

Tips And Tricks About Real Estate Investing

Real estate is a great and stable way to invest money. There are many different factors to consider when investing in the real estate market. The following information is going to help you navigate your way through the real estate investments.

Do your research before real estate investment. Look at between 50 and 100 properties in a location you desire, and keep a spreadsheet full of notes. You need to be looking at how much you'll make in rent, rental potential, and desirability of location. This will allow you to weed out great deals instead of ones that are bad.

Dedicate some of the time to learning about and making real estate investments. You must budget your time wisely if you want to make more money over the long haul. Ditch the poker night or another guilty pleasure so you go to in order to become a better investor.

The location is of real estate investing. Property conditions and other factors are usually subject to change. Properties that are located in rapidly depreciating locales will almost always result in a bad investment. Know what you are doing and make sure to research the area where you're buying property.

Get to know other people who invest in real estate. It's important to reach out to others and get advice from those more experienced than you. It pays to have contacts who know a lot about real estate investor friends. You can find plenty of investors online. Join a few forums and make an effort to meet some of the users.

Be sure to choose regions that have good reputations and were lots of people to want to live. This is important because it could give you the most amount of resale when you make your purchase. Try looking for properties that can easily be maintained.

Stay away from purchasing real estate in areas that are deemed unsavory. Know the location of your prospective property before you buy it. Do your homework in advance. A good deal on a nice house may mean it is in a bad place. It can be hard to sell and this type of home could be vandalized easily.

This will minimize risk since you'll already have a good feeling for the neighborhood already. You don't have to worry about what's happening in the neighborhood as much since you'll be close to it. You will have better control of this investment if you live nearby.

Investing is an excellent way to make good use of your money. Real estate values tend to rise throughout the years. The information located above will help you be successful.

Staging Ideas For Getting Your Home Sold

Sometimes people place their homes on the market and they are baffled when it seems like no one is interested. While you may have a great home, there are several things that may make it seem less than wonderful. The article below will give you several ideas on how to make small adjustments that will greater your chances of making a sale.

Remove any and all clutter from your home. This may be hard if you have lived somewhere a long time and you have a ton of stuff, but it is necessary. There are two huge things that happen when people see clutter. Either they assume you are as messy when it comes to the care of the home or they think space is smaller because they cannot see it so well.

Make sure that the entrance to your home is very inviting. Most people can walk into a home and know if it is a place they can imagine themselves living in. Adding a small table with a vase of flowers can go a long way. It can make a plain house seem like a much more inviting space.

If you have a very old carpeting, you should get rid of it. While laying new carpet in a house you plan on selling may sound like no fun, it will give people a better impression of it. If you don't want to do that, consider pulling up the carpet and getting the floor underneath in decent shape.

Never have a closet crammed with your things if you want to sell your home. Storage space is a big seller, so you want to show it off as much as you can. Buy several organizers if you need a way to keep things on order. If things are still packed tightly, you should consider putting some of your items in storage.

You should try to make your home look as large as possible, so have any large furniture pieces removed before you show off your home. Many people have a hard time trying to envision their furniture in a space. You want them to see more empty areas than space taken over by your large furniture.

In conclusion, you must do everything you can to make your home more appealing to buyers. Keep in mind that your house is not the only option, but it can be the best one. For help selling Islamorada Real Estate please contact me.

Advantages of Owning a Second Vacation Home

Owning a second vacation home is the dream of millions of Americans. Not only does it encapsulate the idea of being able to escape on a whim, but it’s also a sound and great investment vehicle. Now, those are two compelling reasons to purchase another property.

What to Consider When Purchasing a Second Vacation Home

Okay, so you want to buy another property to escape to periodically. And you probably have a good idea of which type of property you want, the size, and the amenities. You’ve scoped out a few different locations and you’re ready to get serious.

But you don’t want to make the mistake of purchasing a property that’s going to fall short of its expectations. So, here’s a couple of things you ought to consider:

Think like a tourist. When you purchase a vacation property, think about location in more ways than one. Nearby the beach is good, but so is nearby shopping, dining, and entertainment, especially if you’re going to rent your home.

Research the area thoroughly. Home values are climbing once again. But the crash wreaked havoc on some communities and they’ve undergone a change which makes them less attractive.

Benefits of Buying a Second Vacation Home

Once you’ve honed in on a particular property, jitters might set in. But here’s what you should remember, there are several advantages which await:

• Long-term cash flow. Rental income can be a substantial, and long-term benefit of owning a second vacation home. It can help you to amortize the mortgage and keep the home clean and in livable condition.

• Tax benefits. The interest you pay on your mortgage, maintenance and upkeep, home insurance, utilities, property taxes, depreciation, necessary supplies, and miscellaneous expenses can all be deducted come tax time.

• Familiarity. When you own a second vacation home, you’re returning homecoming and going. Knowing the area and the characteristics of the residence are a great comfort.

• Retirement. Owning a vacation property also gives you a kind of head start on retirement. It’s also a place where you can retreat to when winter comes to your primary residence.

• Memory making. Having a place to gather with family and friends where you can make all kinds of fond memories and forge a long-lasting bond.

When you own a second vacation home, you’re making an investment in your health, financially, physically, and mentally. A vacation home not only can bring in additional income and has to tax benefits, but it can also be the source of immeasurable relaxation, the place to make lifelong memories, and an inspiration for the future.