Ken, Home Buyer in 32955

I am interested in homes in Indian Rocks Beach. How can I find out what the flood and wind insurance will?

Asked by Ken, 32955 Wed Jul 1, 2009

cost on a home on the intercoastal? I am looking at short sale homes approx. 300K to 400K.

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Ken, did you find a home? If so let me know I'm interested on what kind of details you have got. The more I know about current to recent purchases the better I can assist my customers. If you would email me,
0 votes Thank Flag Link Mon Jan 27, 2014
You may wish to see 42 Gulf Blvd #C and # F, Indian Rocks Beach, FL as multiple units on one deed make it very unusual for income and residing in this beach to bay Old Florida condotel complex. I have several units listed. Please call me directly to answer any of your questions and to submit your offers at 727-688-8885 or 1-866-888-4565 thank you! Search and Save anytime at ( This market area information is given in response to question posted, if you are already working with a Realtor please disregard and please have your excellent agent contact me. If you are not working with an agent, I do accept new customers. Thank you.)
0 votes Thank Flag Link Tue Apr 23, 2013
Hi Ken. There are many good insurance agents who can assist you in the area. I use Melanie Koulouvaris, Koulouvaris Insurance Agency, 1495 Indian Rocks Rd, Largo; phone: 727-585-7222. Yes, short sales are sometimes unpredictable and require patience (and more work for the Realtor), however, they allow a degree of flexibility in price that is not always available otherwise. We have successfully negotiated and closed many short sale transactions this year. We use a professional negotiator at a Title Agency. In most all cases, I've found that sellers are relieved and happy to be out from under a financial burden and buyers are pleased with the bargain they got on their new home. Bank owned properties can also be a great bargain, but usually they are priced very low for the sole purpose of attracting multiple bids and it is sometimes difficult to be the winning bidder. Please feel free to call me any time on my cell if I can help in your search.

Darla Schroeder, Realtor, GRI, e-PRO
Century 21 Real Estate Champions
4350 Duhme Rd
Madeira Beach, FL 33708
Cell: 727-541-3743
0 votes Thank Flag Link Thu Jul 2, 2009
Hi Ken,

In an effort to assist people in your stiuation to have access to accurate information, the state of Florida has created a website that posts reliable details relative to insurance rates.

We recommend referring to this site:

Best wishes
0 votes Thank Flag Link Wed Jul 1, 2009
Hi Ken

I have owned waterfront homes since 1994, With that comes the flood insurance certainly and the wind in some instances but not all. Insurance rates are very specific to each individual home. I work with a great agent who will give me quotes for my buyers so we can make informed decisions before making an offer on a home. If you have an address in mind I can get you some quotes. She is a broker so she shops around pricing with multiple companies. There are not as many options anymore but her pricing is always very competative. Short Sales do take a little more patience but they can be accomplished with the right negotiators on your team. Then they are a win-win-win for seller, buyer and lender!

Feel free to give me a call and I can help you get pricing for insurance if you have a property in mind or even as an example,

Patty Neri
-Real Estate Consultant

Web Reference:
0 votes Thank Flag Link Wed Jul 1, 2009

Regarding insurance estimates - I'd just contact any local insurance agent with the address you're interested in & they can quote you on hazard insurance - Citizens will typically be your only option on the water. Flood insurance estimates are a bit dicier. They'll normally want an elevation certificate that you normally would need to get done by a surveyor. Sometimes the current owner may already have that.

The bigger question is why short sales? Most Realtors avoid them like the plague if they can, especially when representing buyers. Unfortunately, they're a fact of life now, but there are a multitude of valid reasons for staying away from them. I'd list them here but my fingers would get numb before I finished typing. I'll be more than happy to talk to you about them if you'd like to call for more information.

Jim Moran
Broker/Associate - Realtor
Prudential Tropical Realty
W 727-799-2227 ext 223
0 votes Thank Flag Link Wed Jul 1, 2009
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