Fireworks Over The Matanzas in St Augustine Florida - 06/15/12 04:58 PM
Fireworks Over The Matanzas in St Augustine Florida  
Spend the day in the historic downtown St Augustine or spend the day at Vilano Beach catching some waves, getting your tan on and just having some fun. At 6:30 enjoy some music by The All Star Orchestra, then at 9:30, the fireworks begin over the Matanzas! Catch a great view of the fireworks from Vilano Beach or set up along Castillo Drive.
For parking, make sure you get there early. The Historic Parking Facility will be open, charging $10 per entry. Parking in city owned parking lots and on the street … (3 comments)

4th of July Celebration Downtown Jacksonville, Florida - 06/14/12 01:08 PM
4th of July Celebration Downtown Jacksonville, Florida     

 
One of the most awesome firework shows is over the St Johns River in downtown Jacksonville! A perfect location, where you can dock or  anchor a boat and watch the fireworks from the comfort of your boat. Just imagine the view from the river, with the fireworks reflecting off the water and the buildings downtown.
You can plan the day downtown, visiting the Jacksonville Landing, at the shops, food vendors or just get some exercise walking by the St Johns River. 
Then at 9:45pm, the brilliant firework displays begins! For … (0 comments)

12th Annual American Pie 4th of July in Orange Park Florida - 06/13/12 01:41 PM
12th Annual American Pie 4th of July in Orange Park Florida


 
Yes, it's almost that time of the year for BBQ fun and fireworks over the St Johns River for the 12th Annual American Pie 4th of July! The celebration begins at 11am the morning of July 4th. Free rides for the kids, pie baking contest, you can even throw some pies at local education and community leaders. Now that sounds like fun. Take that pie in the face for raising the price of trash pick up in Clay County! :)
As the day continues, so does the … (0 comments)

3 Bedroom Home in the Argyle Area of Jacksonville, FL - 06/12/12 06:02 AM
3 Bedroom Home in the Argyle Area of Jacksonville, FL

7901 Collins Ridge Blvd Jacksonville, FL 32244
Currently listed at $85,000

Low maintenance siding and newer roof

Tasteful colors and beautiful tile in the large family room

Open patio to enjoy the shaded private backyard
 
 
This home has an open floor plan with 3 bedrooms and 2 bathrooms. Over 1400 square feet, with laminate flooring in the bedrooms and tile in the kitchen, family room and both bathrooms. This is very clean and move in ready! Offered at $85,000
… (4 comments)

Neighborhood Of The Week: Glen Haven In The Lake Asbury Area, Green Cove Springs, Fl - 06/11/12 06:27 PM
 Neighborhood Of The Week: Glen Haven Green Cove Springs, Fl
Glen Haven is located in the Lake Asbury area in Green Cove Springs. This neighborhood started around 2000 and was completed around 2006. With close to only 200 homes, you can get to know your neighbors and enjoy that cozy feeling of a small community. There is an association for the Glen Haven ( see contact info below), with fees around $200 a year. (Always call the number below to verify)
Located right next to the Ronne Van Zant Park, it's pretty easy to get your fitness on, let the little … (0 comments)

Market Report May 2012: Lake Asbury Subdivision, Green Cove Springs, Fl - 06/10/12 12:45 PM
Market Report May 2012: Lake Asbury Subdivision, Green Cove Springs, Fl

May 2012- present
 
Available Homes in Lake Asbury

523 Beck Ct Green Cove Springs, Fl 32043                  $189,000
540 Arthur Moore Dr Green Cove Springs, Fl 32043       $240,000
608 Lake Asbury Dr Green Cove Springs, Fl 32043       $239,500
218 Circuit Rider Rd Green Cove Springs, Fl 32043        $339,000 
287 Arthur Moore Dr Green Cove Springs, Fl 32043        $339,000
000 Wesley Rd Green Cove Springs, Fl 32043               $391,536
2794 Henley Rd Green Cove Springs, Fl 32043             … (0 comments)

Foster Closet in Atlantic Beach Florida - 06/09/12 03:15 PM
Foster Closet in Atlantic Beach Florida
Foster Closet is a free resource for Northeast Florida's foster parents and relative and non-relative placements to access clothing, children's accessories, toys and children's furniture to help take care of the foster children entrusted to them. They also help foster kids who age out of the system, by giving them furniture, clothes, appliances, from donations made to their organization.
I've seen Tammy (the founder) deliver furniture with other volunteers and help set up a young adult in her new apartment. She was all set with furniture, appliances, groceries and more.  The smile on this young … (0 comments)

Jacksonville Florida Short Sales FAQ:How Do I Hire The Best Short Sale Agent? - 06/09/12 08:09 AM
Jacksonville Florida Short Sales FAQ:How Do I Hire The Best Short Sale Agent?
 This is very important. Not just any agent who lists homes, will be the best short sale agent. Here are some questions to ask:
How many short sales have you closed? You want an agent who has some short sale experience. Every agent had to start at their first short sale, but you don't want to be that first experiment.
How many have you not closed and what were their outcomes? Not every short sale will close. Some sellers may change their mind, do a deed in lieu, … (0 comments)

Market Report: Silver Creek Subdivision, Green Cove Springs, Fl - 06/08/12 01:06 PM
Market Report: Silver Creek Subdivision, Green Cove Springs, Fl

May 2012 to present
 
Available Homes in Silver Creek
2781 CROSS CREEK DR Green Cove Springs, Fl 32043      $90,000
2482 Creekfront DR Green Cove Springs, Fl 32043           $119,900
Lot 149 Silverado CIR Green Cove Springs, Fl 32043        $162,900
2123 GENTLEWINDS DR Green Cove Springs, Fl 32043      $163,900
2313 CREEKFRONT DR  Green Cove Springs, Fl 32043       $169,900
3701 SOUTHBANK CIR Green Cove Springs, Fl 32043        $188,000
2120 GENTLEWINDS DR Green Cove Springs, Fl 32043      $189,900
2536 CREEKFRONT DR Green Cove Springs, Fl 32043         $205,000
2152 GENTLEWINDS DR Green Cove … (0 comments)

Jacksonville Florida Short Sales FAQ: Can My Brother Buy My House, then I rent It From Him? - 06/08/12 05:02 AM
Jacksonville Florida Short Sales FAQ: Can My Brother Buy My House, then I rent It From Him?
While this would seem ideal, be able to stay in your home, rent it from a family member or friend for for a few years, then buy it back for market value. The bank is not going to agree with you on this one. Most banks now require your short sale transaction to be an arms length transaction. Meaning, all parties are not family members, business associates, or share a business interest. That's actually a sentence taken from a Wells Fargo Arms length transaction … (2 comments)

Jacksonville Florida Short Sales FAQ: How Does The Bank Determine What Price They Will Take For My Home? - 06/07/12 01:15 PM
Jacksonville Florida Short Sales FAQ: How Does The Bank Determine What Price They Will Take For My Home?
You are thinking about doing a short sale, and wonder how your lender will determine what price they will take for your Jacksonville home. It has nothing to do with what you owe on your mortgage. That number has no affect on the short sale price. When an offer comes in on your house and your listing agent has submitted the short sale package to your lender, the lender will order an appraisal (from an appraiser) or a BPO (broker's price opinion) done … (0 comments)

Clay County Florida Market Report May 2012 - 06/07/12 12:15 PM
 
Clay County Florida Market Report
May 2012
Single Family homes in: 
· Fleming Island
· Orange Park
· Middleburg
· Green Cove Springs


May 2012              May 2011
Active Listings: 1,233          Active Listings: 1,467
Sold: 147                           Sold: 193
Months Inventory: 8.39       Months Inventory: 7.60
Average Price: 293,678       Average Price:282,749
Nothing earth shattering in May for Clay County. A slight reduction in the inventory over April of this year. No sales in the price range of 650k and up, which brought our average sale price down from last month … (0 comments)

Jacksonville Florida Short Sales FAQ: What are the Tax Ramifications of Doing A Short Sale? - 06/07/12 10:38 AM
Jacksonville Florida Short Sales FAQ: What are the Tax Ramifications of Doing A Short Sale?
This one gets alot of home sellers because not only do they have to deal with the ramifications of the short sale itself, but also tax issues. I should point out, that I am not a tax expert, so I won't give you tax advice, but will point you in the right direction. For, one, your CPA is a good person to talk to about the tax ramifications of doing a short sale on your Jacksonville home.
The other place to look is online at the … (0 comments)

St Johns County Florida Real Estate: Market Report May 2012 - 06/06/12 10:34 AM
 
St Johns County Florida Market Report
Single Family homes (attached & detached)
May 2012

Single Family homes in:
St Johns County
·St Augustine
·St Augustine Beach
·Ponte Vedra 
·Ponte Vedra Beach
·Palm Valley
·Nocatee
·Vilano Beach

 
May 2012                        May 2011
Active Listings: 1,697                Active Listings: 2062
Sold: 257                                  Sold: 231
Months Inventory: 6.60            Months Inventory: 8.93
Average Price: 527,193            Average Price: 524,131
Well, looks like St Johns crept up … (0 comments)

Jacksonville Florida Short Sales FAQ: How Long Does It Take The Bank to Foreclose on My Home? - 06/06/12 06:34 AM
Jacksonville Florida Short Sales FAQ: How Long Does It Take The Bank to Foreclose on My Home?
In Florida, we are a judicial state, meaning the lender has to obtain a court order to foreclose and the court supervises the foreclosure process.  The lender can not start the foreclosure process until you are 3 months behind, so you may get notices from your bank telling you they are starting the foreclosure process, when you're only 2 months behind. Just know, they are just trying to collect what is owed to them. They may be starting their process, but they still can't … (0 comments)

Jacksonville Florida Short Sales FAQ: How will my closing costs get paid if I'm doing a Short Sale? - 06/05/12 10:16 AM
 Jacksonville Florida Short Sales FAQ: How will my closing costs get paid if I'm doing a Short Sale?
This is a great question that many sellers in Jacksonville ask me. Typically in a normal sale, the sale price of the home covers all the seller's closing costs. In a short sale, that is not the case, due to the sale price being less, than the mortgage balance. There are also situations where the seller has money to bring to closing to cover the deficiency and then it would not be a short sale and would close like a normal sale.
In … (0 comments)

Jacksonville Florida Real Estate: Market Report May 2012 - 06/05/12 09:53 AM
Jacksonville Florida Market Report
 Single Family homes (attached & detached)
May 2012

May 2012                       May 2011
Active Listings: 4348                Active Listings: 6,014
Sold: 702                               Sold: 662
Months Inventory: 6.19           Months Inventory:  9.08
Average Price:  474,926         Average Price: 521,678
Right now for the month of May, we are looking at a near balanced market! Last month in April, we were at a months inventory of 6.52. This is great news for Jacksonville home owners and the local … (2 comments)

Heart for Homeless in Clay County Florida - 06/04/12 09:56 AM
Heart for Homeless in Clay County Florida is a non profit organization that helps homeless people in Clay and Duval Counties in Florida. They provide support in the form of food, clothing, tents, and other supplies to make it a little easier for them.
Steve White is the gentleman who started this organization.  It began during Lent in April of 2009, when Steve and his wife Angela chose to help the homeless as their mission. Here's an article from jacksonville.com that talks about how Steve started his mission work.
I have to admit that there have been times, I've seen homeless … (0 comments)

Jacksonville Florida Short Sales FAQ: I'm broke, will I have to bring money to closing? - 06/04/12 06:40 AM
Jacksonville Florida Short Sales FAQ: I'm broke, will I have to bring money to closing?
This is a common question I get all the time. This is something that is totally up to your lender and has to do with your hardship. Most lenders require to see some type of financial information from the home owner. Typically, they require a financial worksheet showing what you have coming in as far as income and what you have going out as far as bills. Usually required by your lender is 1 or 2 years tax returns, 2 or 3 months of bank statements … (2 comments)

Jacksonville Florida Farmers Market - 06/03/12 02:14 PM
Jacksonville Florida Farmers Market

Want to get some good food without breaking the bank? Plus, it makes a nice family outing to boot. I recently went to the Jacksonville Farmers Market and bought a bunch of veggies and some fruit. See the pic below:

I spent only $24 in the above picture, which will last us a good two weeks. We eat a bunch of veggies in my house. If I had bought all that at a grocery store, it would have cost me at least double. Probably more.
 


 
 
 
 Look at those apples … (0 comments)

Jacksonville Florida Short Sales FAQ: How will a Short Sale Affect My Credit? - 06/03/12 06:40 AM
Jacksonville Florida Short Sales FAQ: How will a Short Sale Affect My Credit?
Most sellers want to know this questions, because eventually, they would like to own a home again. Some sellers, worry about their security clearance. In Jacksonville, we are a military town, so that question comes up alot. With short sales it seems there's no easy answer and when there is one, it changes.
So let's talk about the process of doing a short sale. Usually you have a hardship that is interfering with the ability to pay your mortgage, or you have to move for whatever reason. Some … (2 comments)

Dad's Auto Shop in Green Cove Springs Florida - 06/02/12 10:28 AM
Dad's Auto Shop in Green Cove Springs Florida
 
I love the mom and pop places the best, and was lucky enough to be referred to Dad's Auto Shop. I got an oil change for a great price. While I was there, had a chance to chit chat with the owners, Mike and Jill Shalley. Good people!
Last week, I had to have some front end repairs done. Yeah me! :( I stopped to get an estimate from one shop, then went over to Dad's Auto Shop. Not only was the estimate less at Dad's, Mike also was very thorough on … (0 comments)

Jacksonville Florida Short Sales FAQ: Will the Bank Come After Me for the Difference? - 06/02/12 05:33 AM
Jacksonville Florida Short Sales FAQ: Will the Bank Come After Me for the Difference?
This is a huge concern for sellers, wanting to sell their Jacksonville Florida home. After going through the short sale process, and finally making it to closing, will I have to deal with this later down the road? The answer lies in the short sale approval letter. If you see the following(may not be the exact words):
The investor of your loan agrees not to pursue a deficiency judgment for any unpaid amounts on the loan after tender of the net sale proceeds in accordance with this … (2 comments)

Green Cove Springs Florida Short Sale Success Story - 06/01/12 07:20 AM
Green Cove Springs Florida Short Sale Success Story

 
The property: This was single family home in Green Cove Springs, Florida with 4 bedrooms, 2 bathrooms, 1518 square feet. Fenced yard, on a cul de sac, great shape, very clean. 
 
Hardship: Military relocation
 
Short Sale Scenerio: One lien holder, AHMSI. We were assigned a negotiator from the beginning, who was awesome to work with. He responded promptly to emails, would give us time frames, but always beat those time frames. This took 68 days for final approval, but would have been well under 60 days, had it … (0 comments)

Jacksonville Florida Short Sales FAQ: How long will a short sale take? - 06/01/12 06:39 AM
Jacksonville Florida Short Sales FAQ: How long will a short sale take?
This is a question that does not have just one sweet little answer. Well, actually it kinda of does, the answer is, it depends on your lender. It also depends on whether this is the 1st offer or 2nd offer. The first offer will usually take longer, since the BPO (broker's price opinion) has to be completed, and the financial picture of the seller is first revealed to the lender. If you have had another offer before, the BPO has been done, the financial information turned in and the … (0 comments)

 
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Pam Graham- Jacksonville, Clay & St Johns Counties

Jacksonville, FL

More about me…

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Address: 1857 Wells Rd #215, Orange Park, FL, 32073

Office Phone: (904) 269-0524

Cell Phone: (904) 910-3516

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Author Bio: Pam Graham is a transplant to Jacksonville area, origanally from the Northern Va area. Pam Graham has been in the real estate business since 2002 and has helped hundreds of sellers and buyers achieve their real estate dreams



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