How long they last depends on a number of factors, especially the type of roof. Generally, shingle roofs will last 15 - 20 years, depending on the grade of shingle. That being said, many insurance companies will charge you more once the roof is more than 15 years of age.
Depending on when specifically the roof was replaced in 2002, you may want to have a Wind Mitigation inspection done on the roof as it could potentially result in some discounts on your insurance rate.
Ask your FL insurance agent for additional information.... more
Would not count on travel times based on sites such as mapquest as there are often accidents on the major commuter routes that slow down travel times, sometimes significantly.
Looking in the Palmetto area means a daily commute to St. Pete over the Sunshine Skyway Bridge. Are you afraid of heights? If so, that may not be one of your best options.
You may find yourself on the Tampa side for work, which would make a Ruskin, Palmetto, Plant City or Brandon area living option more likely.
Would suggest visiting the area to get a feel for what areas appeal to you, then look into employment nearer to those selected areas.
Are you planning to get financing to pay for your home? If that is the case, talk to a local mortgage broker or lender first as you may have to wait awhile before you have sufficient work history to qualify for financing.... more
Lennar has probably the best builders incentives for Ruskin. Currently they are paying nearly all closing costs which can equate up to $11,000, using their preferred lender.
You can also take a FHA / VA loan with them on that.... more
Hey there and your question is a good one and to help you with accurate data the price of a market is not determined at all by agents rather it is what buyers are willing to pay and what sellers are wiling to sell for.
A property is priced by recent sales in the area, the similar square footage of property, condition of the property, inspections and appraisal of the property. Then the financial factors of what the sellers need to get from the sale, what they owe on the property. In addition, if the property is distressed and becomes a bank owned property - the bank then controls or dictates what the price will be. Also liens and judgments on distressed properties are factored in and buyers often get stuck with paying them unless the bank has priced the property to absorb the liens. The there are short sales where multiple offers come in from buyers and the bank may or may not approve. These are just a few factors affecting what homes are priced at and the market is what the buyers of the market are willing to pay. In addition Sun City is a very unique area with a high rate of turnover of properties due to relocation of the owners, downsizing and so forth. There is no "agent low ball" conspiracy going on here in Sun City and in a handful of offices are here and in fact the market is showing a nice recovery after a depressed market. Most recent news reports and price reports show the market has gone up 14%. See this most recent article in fact at http://www.bizjournals.com/southflorida/blog/morning-edition/2013/09/south-florida-housing-prices-rise.html... more
See below... 20% of the residents may be under 55... the community may have already reached that percentage and may not allow you buy or rent...
Federal Register 24 CFR Part 100; section 760.24-760.37 (4a), Florida Statutes
For a community to be considered "housing for older persons" as a 55+ community, the housing must be intended and operated for occupancy by persons 55 years of age or older and meet the following requirements:
1.At least 80% of the occupied units are occupied by at least one person 55 years of age or older.
2.The facility or community publishes and adheres to policies and procedures that demonstrate its intent to in fact be a provider of housing for older persons.
3.The facility or community complies with rules established by the U.S. Department of Housing and Urban Development (HUD) for verification of occupancy.... more
The amount of time it will take to sell will depend on a number of factors, One of the first steps to take is to choose a Realtor who can show you what the sales have been in the past 3-6 months in Sun City that are either in your neighborhood or most closely resemble the characteristics of your condo to assist you in pricing it to market conditions. There are a number of other considerations that would then follow. Looking at single family homes can be a concurrent process to establish neighborhoods, your criteria, etc. to fine tune the search. I worked with a client who was selling their primary home out of state, we found a home about 2 weeks before in Sun City and the timing was exceptional.
If I can answer any more questions, please feel free to contact me at 813-784-6085 or firstname.lastname@example.org. My office is about 15 minutes away.... more
There are still homes available in Ruskin and Sun City Center for $140,000 and also vacant lots available in affordable ranges but building for $140,000 or under would probably be challenging and you need to talk to a building contractor to get a better feel for those costs. There are still loan programs for 10-20% down depending on the property and your qualifications but for a construction loan you would have to contact a qualified lender. I have lived in Ruskin since 1985 and would be happy to help you find your dream home.
Keller Williams South Shore
Phil Fowlerâ€™s answer
Phil Fowler, Agent, Apollo Beach, FL
I sold a home to my son in Hawks Point nearly two years ago. They absolutley love it!! At that time Lennar had not bought up the vacant lots and started building. The community gets together and does cook outs. I visit my son and his family often and have gotten to meet their neighbors.
If you are not working with a Realtor and would be interested in taking a tour or meeting some of the residents, please don't hesitate to call me.
Home Express Realty Inc
I agree with the comments made by Dan of WA. Many agents will claim to be experts in all types of areas but those that have closed the deals and stayed steadfast throughout the difficult process of the short sale purchases are the agents you want on your side. Asking how often an agent works that area is also important. Tampa Bay area is vast and the communitees in Ruskin and Apollo Beach are very different from say South Tampa or Westchase.
Have a list of questions and speak with a few agents in the Ruskin and Apollo Beach area before making your choice. It is important to find someone who you will work well with, due to the process being lengthy and difficult at times.