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Port Saint Joe : Real Estate Advice

  • All38
  • Local Info2
  • Home Buying13
  • Home Selling1
  • Market Conditions4

Activity 23
Wed Apr 20, 2016
Jim.belew answered:
An X flood zone means you are not required to have flood insurance if you have a mortgage. Of course, if you pay cash, your are not required to have flood insurance either. My question to you is why would you live near the beach and not have flood insurance? It is expensive, but so is losing your investment. Flood insurance will be less expensive if you are in an X zone, but if your reason for wanting an X zone property is to avoid having flood insurance, then what difference does it make? FEMA is simply flood insurance provided by the government versus a private insurer. It is less expensive to have FEMA, but eligibility has more to do with location rather than zoning. ... more
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Sat Apr 2, 2016
Connie.whonsetler asked:
Thu Jan 22, 2015
Annette Lawrence answered:
The answer to your question depends on the method being used to sell the home, how many lenders are involved, the servicing company, the trustee if any, and how long it has been on the market at the published price. ... more
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Thu Jan 22, 2015
Annette Lawrence answered:
If the house is not in a flood zone, piers will not decrease your insurance premium.
Florida is the nations #1 location for home insurance rates that double that of the #2 state. Home insurance rates in Florida is a BIG deal. The average home insurance premium for the entire state is $2,014 annually.

Now. be advised, EVERYTHING matters regarding what you will pay for home insurance including the contents of your CLUE report (it's like your FICO score but used by insurance companies, who ALSO use your FICO score)

If the home is located with a big water view of the Gulf of Mexico, the piers will need to elevate the home above Base Flood Elevation (about 17 feet in Pinellas County) Further more the ground level must be specially constructed to allow surge water to pass through, otherwise you have a really tall house boat.

The real advantage to being on piers and not in a flood place is the easy of making house modifications.

Florida real estate professionals have done this so many times we can make a list of the features that could reduce your insurance rate. That list will be longer than a Staples receipt.

Best of success,
Annette Lawrence, Broker/Associate
Palm Harbor, FL
... more
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Sat Jun 14, 2014
Kathe Jones answered:
The cost of the home can vary due to location in Gulf County and the building requirements for that area. For example: If property on the gulf, must be built on pilings, have roof clips, etc I hope this helps! ... more
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Sun Mar 16, 2014
Julia Cunningham answered:
BREAKING NEWS - Flood Insurance Bill passes US Senate

The United States Senate has just passed The Homeowner Flood Insurance Affordability Act by a vote of 72-22. This is the bill the US House passed on March 4. This is incredible news for Florida Realtors and property owners. The bill will now be sent directly to President Obama for his signature!

NAR Issue Brief: Flood Insurance Side by Side Comparison can be viewed at:
... more
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Thu Jan 16, 2014
Julia Cunningham answered:
Can you share with me what property you are referring to? Thanks!
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Thu Jan 16, 2014
Julia Cunningham answered:
There are plenty of homes within walking distance to the beach in St. Joe Beach and surrounding areas. What is your criteria?
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Mon May 27, 2013
Bill Reid answered:
Fri May 3, 2013
Kim Glass answered:
Hi marge352751,

Not really sure what you're asking here. Please add some more details so we can help get your questions answered.

-Kim, Community Manager
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Fri Jan 25, 2013
mommadee24 asked:
Mon Jul 9, 2012
Libia G. Taylor answered:
I am not sure which one is 206 Windmark Way??? I searched for this address and it does not shown a property SOLD or for sale in this addresss since 2009.
Where did you see this information? ... more
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Fri Oct 14, 2011
Paula Kroll answered:

I don't know whether you have purchased another property by now, but Gary Smith is still the owner of record in the Gulf County tax appraisers website. According to our MLS, the listing on this home expired on 8/24/2009. According to the FL. Realtor Association foreclosures here take an average of 745 days. If this is still in preforclosure the time should be about to end.

I would read the legal notices in the Port St. Joe Star to find the county auction date. If it does not go back on the market again after forclosure, that would be how the bank would liquidate the property.

You may contact me at 850-370-6295.
... more
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Fri Oct 14, 2011
Paula Kroll answered:

I know that it has been a long time since you asked this. There is not a single answer since the lots are owned by individuals. They have their own reasons for not developing them,most commonly due to financial hardship. The lots are worth a fraction of what was originally paid for them. It has not made financial sense to build upon them now. Borrowing for construction is difficult if there is negative equity in the land. ... more
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Thu Jun 23, 2011
NonRealtor answered:
Hi Sandee,
Wait another year to buy, prices are declining....oops, yep, you already know. That will be nice, a paid off house. Congratulations. Good Luck
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Mon Apr 25, 2011
Bill Reid answered:

we would love to show you the house, but which house are you looking at?
0 votes 1 answer Share Flag
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