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Port Charlotte : Real Estate Advice

  • All506
  • Local Info25
  • Home Buying209
  • Home Selling12
  • Market Conditions39

Activity 231
Wed Apr 6, 2011
Kevin Olson, Jessica Laude answered:
FHA Homepath is a program that can be great, especially for first time buyers. The biggest benefit is that there is no PMI on the loan. There is also no need for an appraisal. Getting (I believe) 3.5% paid in closing costs is a norm, and you can get a little creative in coming up with a down payment. The downside to this is that there are not many homepath homes to choose from. Many buyers will simply wait for a homepath home to come onto the market instead of looking at anything else. There is typically (not always from what I've seen) a 15 day owner occupant only period when the home is first listed. This means investors cannot make an offer, and betters the chances for an owner occupant to get into the home. Also, from what I've seen and heard, when an offer is made they will only consider 1 offer at a time. Agents are not always honest on this, or maybe they just don't know, but that's a nice thing to have in reducing stress when making an offer. Not every lender can do homepath financing, and you always want to ask for a fee schedule up front to make sure you are not overcharged just because they can do the financing. Hopefully this sheds some light on the matter for you.

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Wed Mar 23, 2011
Genevieve Ramachandran answered:
We are hoping Florida Power and Light will build the Solar Power Plant soon, in the Babcock Ranch Area in South Punta Gorda.
That is scheduled to power a city in Babcock Ranch, making it an ALL Solar Powered City. When all this will happen is anyone's guess right now.

Genevieve Ramachandran
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Wed Mar 23, 2011
Andrea Mills answered:
Are you looking for a mobile home park? 55+?
0 votes 1 answer Share Flag
Wed Mar 23, 2011
Genevieve Ramachandran answered:
Both. It is hard to tell the difference sometimes. People are seeing the value and rather than wait a few years or closer to their retirement age to buy a property are buying now while the prices are still low. Showed a whole bunch of property over the wek and put in an offer. Did a little bit more research on properties that sold in that particular area over the past year and you know what I found? properties were sold at very close to asking price and some even over asking price. That is very exciting. Change is happening.
Real Estate is local. Every area is different.

Call me if you want details.

Good Luck!

Genevieve Ramachandran

Thomas Ryan Associates, Inc
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Mon Feb 7, 2011
Phil Rotondo answered:
Sarasota county............
0 votes 6 answers Share Flag
Tue Jan 15, 2013
William True answered:
I'd get estimates from several reputable insurance agents and compare apples to apples.
0 votes 11 answers Share Flag
Thu Dec 8, 2011
Dan Tabit answered:
State laws vary, and I'm not licensed in FL, so it could be different, but in most places I'm aware of Agents are required to disclose any material defects inherent in a property. I would suspect a failed septic would fall under this category. Did you receive any sort of disclosure regarding the home? In some cases, like bank owned homes they may be exempt from completing a disclosure form since they never lived in the house, but I still believe an agent would be required to disclose this as a material fact if they knew.
What does your agent say? If you can prove the listing agent had prior knowledge and didn't reveal this to you prior to writing your offer it may be worth discussing the matter with them and their broker. Your agent should be the one to start this process.
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0 votes 15 answers Share Flag
Mon Jan 30, 2017
Jeffrey Runyan answered:
Hello Doris, I don't know what you consider low, but I know of one with 235.00 monthly fees that include water, sewer, trash, pool, outside maintainance and insurance. Very nice and quiet place. Would love to help you find a place. Jeff Runyan Remax Palm Realty 941-979-2843 ... more
0 votes 8 answers Share Flag
Tue Feb 8, 2011
Lauren Schmidt answered:
Hi Doris,
I have a couple of listings in River Haven Mobile Home Community located in beautiful Punta Gorda. This community has salt water access as well as many other amenities. River Haven is a resident owned park, 55 or over. You must buy a minimum of 5 shares and can purchass up to 10, each share is $1000. The maintinence fee is based on the number of shares you own. You receive $7.50 off the fee for each share you own. Example 5 shares = $187. 10 shares= $150. If you have any other questions I will gladly help you in your search.
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Mon Apr 18, 2011
Julie Laten answered:
There are no additional fees associated with foreclosures unless the home has been foreclosed on and the owner did not pay the taxes. This can play out one of two ways. 1 The new property owner (bank or government) will pay those taxes for you or you will need to pay those upon closing. Typically those are paid for you. Also, if the homestead exemption has expired you may pay a higher tax rate for the first year but will get that money refunded when you pay your taxes the following year. When you close on your new home you will be required to buy title insurance (this is true with any house) which will protect you from any title encumberance.

Hope this helps,
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0 votes 11 answers Share Flag
Wed Sep 25, 2013
Dallas Texas answered:
Your credit is pulled when you apply for a loan THEN right before closing. Why a home buyer SHOULD never apply for credit OR purchase anything till you have closed and keys in your hand

Lynn911 Dallas Realtor & Consultant, Loan Officer, Credit Repair Advisor
The Michael Group - Dallas Business Journal Top Ranked Realtors
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0 votes 10 answers Share Flag
Wed Mar 23, 2011
Sandra Rubinstein answered:
When I moved to Florida from upstate NY and purchased my home, I was fortunate enough to hire the folks @ Amberg Insurance Co. It was only later I found out they consistantly are voted and rated # 1 in all of Charlotte County. Here is ther link:

In terms of health insurance, all the major carriers are down here including HUMANA that the Sam's and Walmart Stores are carrying. As you know, health insurance can be tricky, based on your needs and past Medical History. Hopefully, some of the "bumps" might be straightened out with the implementation of the first segment of Obama-care, in terms of "pre-existing conditions".

Hope you find this helpful. If you would lik my personal agent Name and Number please feel free to contact me @ 941-268-8918.
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Fri Jan 14, 2011
Alan May answered:
Will this do?,27955,28010,28028,28060,28220&sugexp=ldymls&xhr=t&q=port+charlotte&cp=11&um=1&ie=UTF-8&hq=&hnear=Port+Charlotte,+FL&gl=us&ei=8G8uTZuJOsHq4gb0pomYCw&sa=X&oi=geocode_result&ct=image&resnum=1&sqi=2&ved=0CCEQ8gEwAA ... more
0 votes 7 answers Share Flag
Fri Jan 14, 2011
Anna M Brocco answered:
Keep in mind that commissions are always negotiable, there are no set standards as it would go against Federal Laws-- therefore interview a few agents from different realty offices, and choose the one you like best, and the one who has the most to offer--choose your agent with care. ... more
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Tue Jan 4, 2011
Egret Group - Doug Losey answered:
It looks like your question did not come over.... Please try again so I can help you.

941 525 6750
0 votes 3 answers Share Flag
Wed Jan 5, 2011
Genevieve Ramachandran answered:
Sat Dec 11, 2010
Tammy Hayes answered:
North Port and Port Charlotte are close to each other in proximity. Port Charlotte has hospitals, restaurants and a mall. North Port is growing and adding new businesses every day.

It is a good idea to research areas/communities that are of interest to you. Determine what things are important such as schools, proximity to shopping, restaurants, and local activities. Drive through the communities to get a feel for what they are like. Do you want to live in a deed restricted community or a regular residential community? Are you looking for a condo, townhouse, or a single family home?

I would be happy to send you some information or answer specific questions.

Tammy Hayes, Sandals Realty,
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0 votes 1 answer Share Flag
Fri Dec 28, 2012
TERRIE HOYLE answered:
The water properties can vary depending on sq. ft. (size) if there are 2 lots etc., pool?, condition and any updates/upgrades. A good one with a pool and garage, storm protection, dock and maybe a boat lift could be worth approx. $150,000 on the high end in today's market. There's a short sale that is pending right now without a pool and has 160 ft. of water frontage, a one car carport, 1741 sq. ft. under air, 4 bedrooms and 2 baths, old style Terrazo floors (many like those in good condition) and built in 1959 (Block Construction) at $130,000.
Are you looking for a waterfront home? call, me; I know the waters, depths, canals and can find you the best buy for your specific needs. Now's the best time! Are you a boater?
Bill Hoyle
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0 votes 3 answers Share Flag
Tue Oct 5, 2010
Anna M Brocco answered:
In order to determine a fair offer, you need to be aware of recently closed similar properties in the immediate area, review the data, factor in any extensive repairs, and make a determination--keep in mind there are no set standards as to how much below list price one should offer--do stay within your means--what is your agent advising.....also keep in mind that if a property is priced on target or slightly below today's market, multiple offers may occur. ... more
0 votes 13 answers Share Flag
Thu May 24, 2012
Tammy Hayes answered:
Southwest Florida International Airport is the closest airport to Port Charlotte, FL.

Tammy Hayes, Realtor
Sandals Realty, Punta Gorda, FL
0 votes 2 answers Share Flag
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