Clearwater Beach Real Estate - Clearwater Homes & Condos for Sale

Wells Fargo now owns Baywalk in downtown St Petersburg

Sat, 21 Feb 2009 17:40:08 -0600

We keep seeing the fallout of this economy - thanks for the update from Sharon Simms...

Via Sharon Simms St Pete FL - CRS CIPS CLHMS RSPS (ALVA International, Inc.):

This afternoon Wells Fargo foreclosed on Baywalk retail complex in downtown St. Petersburg. Other developers had expressed interest, but none placed a winning bid today.

Baywalk was a critical part in the redevelopment of St. Petersburg, and hopefully will again be a popular and successful destination. We enjoy Gratzzi's Italian restaurant, which is one of the original tenants. Chico's is another early tenant, as is Muvico. The existing businesses and restaurants will continue operating.

It's expected that Wells Fargo Bank will redevelop and improve the property prior to placing it actively for sale.

Frequently Asked Questions About the $8,000. Federal Tax Credit

Sat, 21 Feb 2009 17:19:15 -0600

This is a great post that answers most the questions people have about the new tax credit.....

Via Debe Maxwell 704.491.3310 Charlotte NC Real Estate (Helen Adams Realty):

Congress Approved the $8,000 Tax Credit For Homebuyers. Here are answers to frequently asked questions.

Frequently Asked Questions About the $8,000. Federal Tax Credit

Q:

A:
How much is the tax credit?

The tax credit would be $8,000 or 10% of the purchase price, whichever is less.

Q:

A:
Who is eligible?

Similar to the $7,500 tax credit included in the Housing and Economic Recovery Act of 2008, the $8,000 tax credit (included in the 2009 economic stimulus plan) is available for the purchase of the primary residence by first-time homebuyers.

Q:

A:
If this is for first-time homebuyers, how do I know if I am eligible for the tax credit?

According to the IRS, any taxpayer who has not owned a home during the 3 years prior to the date of purchase can qualify for the credit.

Q:

A:
Do I have to repay the $8,000.?

No. Unlike the previous $7,500 tax credit, the $8,000. does not have to be repaid UNLESS, the home is sold within three years of purchase; at that time, the credit will be reversed.

Q:

A:
Are there any income limitations on the tax credit?

Yes. The tax credit is strictly for individuals with adjusted gross income of under $75,000 or $150,000 for joint filers.

Now that you're qualified for the Tax Credit, let's go shopping for Charlotte NC homes for sale today!

About the author:

Debe Maxwell is a Charlotte Residential Real Estate Broker, Certified Neighborhood & Relocation Specialist, ABR & e-PRO who can assist you with the purchase and/or sale of real estate in the Charlotte NC Metro Area. If you're relocating to or from any other area of the country, Debe connects you with any member of her team of relocation professionals in your destination or exit city of choice. The destination service is of no cost to you! The Maxwell House Group's quality service guarantee puts this team far ahead of the competition; providing unsurpassed customer service is their #1 priority! Debe Maxwell -- Helen Adams Realty -- 704.491.3310

Copyright© 2009 By Debe Maxwell, All Rights Reserved...**$8,000 Federal Tax Credit FAQ **

Disclaimer: All information provided by this author is strictly an opinion, is not guaranteed, may be based on information collected from several sources, which may or may not be deemed reliable at the time of researching this article and may be time sensitive.

Credit Market Update For The Week - Bond Market Dislocates

Sat, 11 Oct 2008 17:54:24 -0500

Clearwater Florida I know we're all a little dizzy from the Stock Market plunge this week - so are you wondering what caused this to happen?

Here's an excellent article by Matt Heaton on why it happened and what we might see next.

Via Matt Heaton:

Sorry, I didn't get a chance to do updates during the week, things were moving so fast that I barely had the time to keep on top of them myself. Pretty much everybody is fixated on the "crash" in the stock markets with major US indexes plunging about 17% on the week, but equity markets are just a symptom, it's important to look at the cause.

The deterioration in the credit markets on a daily basis was simply stunning, and resulted in a near lock down of both intrabank lending and financial commercial paper markets by the end of the week.

Bond market dislocates

We saw what is referred to as a dislocation in the bond market early this week, and these types of dislocations, historically without fail have lead to stock market crashes. Basically we had money fleeing long term US treasury bonds, causing their price to plummet and thus the yield to increase. This happened at the same time the opposite occurred in short term US treasury bonds as people flocked to safety, and at times in the week even drove the yield on 13 week treasuries negative (yes it is possible).

There is a very strong correlation between equities (stocks) and bonds, as money moves out of stocks it typically moves into bonds and vice versa. So if stock prices are going up, bond prices are going down. We saw this correlation totally destroyed this week, as stocks were crashing, long bond prices were plummeting (yields increasing). This indicates capital (probably foreign capital) fleeing long term US treasuries. Chart below of the ten year treasury yield and second the DOW during the week. Yes, this is VERY bad.

What caused the dislocation?

Simply put it was CAUSED by the $700B bailout and the FED's buying of the commercial paper early this week. The reason is simple supply and demand economics. It was something many people saw coming and I mentioned was one of the reasons I was so adamant the bailout had to be stopped. The bailout means the US Treasury has to issue significantly more long term US Treasuries to fund it at the same time the demand for them is staying essentially flat or possibly even decreasing. Increased supply with flat demand means prices of long term treasuries are going way down and yields (interest rates) are going way up. It's not rocket science. Even though the treasuries have yet to issued the bond market is beginning the process of pricing it in.

The more we try to bail things out the higher we will force long term interest rates, ultimately extending and deepening the real economic pain. If the stock market had not crashed at the same time forcing money into bonds to hide, we would have seen an absolute explosion in long term rates this week.

What does it mean?

As a real estate agent or loan officer the implications will probably scare the you know what out of you. Rates are almost certainly going much higher over the next few months, and I think there is a probability of a 1930's style bond market collapse being triggered. If this type of bond market collapse does occur, we're not talking a 1 or 2% increase in rates, I'm talking at minimum double where they are now and in the space of a year. Yes, I know it that seems improbable, but it's happened before under similar circumstances.

Below is a chart of the 1930's bond market collapse, and we are almost matching the event chain and timing perfectly (we're finishing the flight to quality stage). While i hope history does not repeat, our policy makers seem dead set on following the exact same ill fated path and the bailout may have pushed us across the event horizon.

* Lower bond prices mean higher yield/interest rates.

Credit market indicators

I mentioned above many indicators of stress in the credit markets went through unbelievable deterioration on a daily basis during the week. One of the main ones I watch is the TED spread which is the spread between 3 month treasury yields and 3 month LIBOR rates. The higher it goes the more stress. This is because short term treasury yields drop in times of fear because they are considered the safest place to stash money while LIBOR will increase as banks become more fearful of lending.

The long term average spread is about 30 basis points and anything over 200 basis points is crisis mode. We started the week at 382 basis points and continuously ramped to finish at 464 basis points.

As indicated by TED spread LIBOR rates continued to explode during the week. Overnight LIBOR rates ramped to well over 4% as banks became fearful of lending to each other, until collapsing on Friday due to coordinated central bank action. But 3 month LIBOR continued on it's ramp and is now close to double what is was a couple months ago. LIBOR rates are extremely important because there is over $300T in worldwide debt that is in someway tied to these rates. So they go up, borrowing costs for banks and businesses go way up, and almost every business is reliant on credit to some degree.

From a banking perspective banks often borrow at LIBOR and lend at a rate tied to the the FED's target rate. So the increasing spreads and other effects on the yield curve are absolutely destroying the ability of the banks and other financial institutions ability to make money.

Other significant events

* Iceland's banking and financial system collapses during the week forcing them into official bankruptcy on Friday

* Hungary's bond market collapses

* Japan's main banks began firewalling themselves off from other world banks and refusing to lend

* World equity markets plunged, in most cases worse than US's, with trading suspended indefinitely by several of them including Russia

* G7 meetings going on this weekend and everybody is scrambling for a solution

Stock market stuff

Even though I'm a very active trader myself I generally avoid talking about stock markets on my blog here at ActiveRain. I try to keep it to credit markets that have a direct impact on rates and loan availability and thus the real estate industry. The stock plunge we've seen in the last couple weeks has certainly been pretty devastating, for comparison here's the 2000 dot com crash on a monthly chart vs. our current one.

For many reasons both technical and fundamental I think we are very overdue to a violent snap back rally in this bear market, possibly starting this week, but we probably have a long ways to go still before we put in an ultimate bottom. So be safe...

Negative Equity Fixed for Home Owners with American Home Ownership Resurgence Plan?

Wed, 08 Oct 2008 15:53:25 -0500

Well if you were like me sitting in my house watching the Presidential debates last night you were probably surprised (ok I thought I would fall out of my seat) to hear John McCain drop a bomb...a substantial new program for homeowners. I was sitting there wondering:

How many bailouts can our economy handle?
What are the details of this plan?

I heard New's pundits say the plan would cost $300 Billion dollars (Does anyone else remember when that was considered A LOT like of money?

Is anyone else getting numb and having a hard time keeping up with all the blank checks being written...$700 Billion here, oh I mean $850 Billion after pork...now $300 Billion more ).

Part of me thought, "I've gotta get a money printing machine like the Government has - if only our personal budgets worked that way". Now I'd definitely love to see our Pinellas Real Estate home prices stabilize, however, I seriously worry about the "unintended consequences" when the government start "managing our real estate market". This plan is targeted at home sellers facing foreclosure and those who own homes that are now worth less than they owe, hence the negative equity position. If you're not sure what your neighborhood values are doing - Get today's Pinellas Real Estate Market Report , a FREE service that gives you real time results based on the Pinellas Suncoast MLS today and see graphs and info for YOUR actually Pinellas County neighborhood.

John McCain's proposal for Home Sellers Facing Foreclosure

McCain's says the plan's goal is to keep families in their homes, avoid foreclosures, save failing neighborhoods, stabilize the housing market and attack the roots of our financial crisis. (We'd all like to see the housing market stablized)

Who benefits from new Home Mortgage Plan?

America’s families are bearing a heavy burden from falling housing prices, mortgage delinquencies, foreclosures, and a weak economy. (The assumption is because the had the wrong mortgage)

How will the Home Mortgage Plan work?

For those that cannot make payments, mortgages must be re-structured to put losses on the books and put homeowners in manageable mortgages.
Lenders in these cases must recognize the loss that they’ve already suffered.
The McCain Resurgence Plan would purchase mortgages directly from homeowners and mortgage servicers, and replace them with manageable, fixed-rate home mortgages that will keep families in their homes.
By purchasing the existing, failing home mortgages the McCain resurgence plan will eliminate uncertainty over defaults, support the value of mortgage-backed derivatives and alleviate risks that are freezing financial markets.

Who qualifies for American Home Ownership Resurgence Plan?

The McCain resurgence plan would be available to mortgage holders that:

Live in the home (primary residence only)
Can prove their creditworthiness at the time of the original loan (no falsifications and provided a down payment).

What kind of new mortgage would home owners get?

An FHA-guaranteed fixed-rate mortgage at terms manageable for the homeowner. (I'd love to know what this means in practice not theory)

What will this Home Owner Mortgage Plan Cost Taxpayers?

The direct cost of this plan would be roughly $300 billion because the purchase of mortgages would relieve homeowners of “negative equity” in some homes.
Funds will come from Congress recent financial market stabilization bill;

Their believe is that this plan could be implemented quickly as a result of the authorities provided in the stabilization bill, the recent housing bill, and the U.S. government's conservatorship of Fannie Mae and Freddie Mac. It may be necessary for Congress to raise the overall borrowing limit of FHA loans.

So I'm curious - do you think this plan is a good thing or a bad thing?

Palm Harbor Florida - Wall Springs Park - A Great Place to Spend a Day

Fri, 26 Sep 2008 23:17:13 -0500

Pinellas County Parks, Green Space and Fun Things to Do

Palm Harbor Florida - Recently my family along with some friends took our kids to Wall Springs Park for the day. It's a great place to hike, bike, fish, bird watch, relax and just have a great time. This is one of Pinellas County's best kept secrets just of Alt 19 before you get to Tarpon Springs. It extends out to the coast through the thick mangroves that offer a real look at Natural Florida.

The Park is also located along the Pinellas Trail. I took quite a few pictures to give you a sneek peak at this special place - however there's nothing like seeing it in person. Pinellas County acquired Wall Springs in 1988 with the initial purchase of 63 acres which included the Spring and surrounding area - Here's an up-close look at Wall Springs Park.

Wall Springs Park - Quite a Local History

In 1927 the Wall family sold it to the Davis family that changed the name from Wall Springs to Health Springs - where they marketed and extolled the health benefits of these waters. Mr. Harry Davis also spread the myth that Spanish explorer Ponce De Leon discovered this spring.

Mr. Davis eventually sold the property to the Cullen family of Palm Harbor in 1949. The Cullen family changed the name back to Wall Springs and operated it as a commercial recreational facility. They added many amenities like horseshoes, volleyball, hiking paths, picnic shelters and more.

Back in the 1950's this Spring was the site of a freshwater beach where tourists enjoyed lounging and bathing in these pristine waters.

Eventually in 1966 the Cullen family closed the facility due to high insurance premiums and liabilities. which left the door open for Pinellas County to acquire Wall Springs in 1988.

August 20, 2005 the park was officially opened to the public through the use of Penny for Pinellas taxes - after developing fishing piers, observation decks, playground and restrooms for visitors to enjoy this piece of Pinellas Paradise.

If you are looking for information on buying Pinellas County Real Estate give me a call at (727) 710-8035 - It's a great place to live with lots of green space and great things to do.

Going to NAR in Orlando - Get Great Rate $29.99 while it lasts - See you there!

Thu, 25 Sep 2008 20:14:06 -0500

Hey to all my Active Rain blogging friends wanted to share a great deal on an Orlando hotel. This is where Katrina Madewell and I will be staying. Don't wait cause they put this special up then once a certain number are booked they stop offering it.

This hotel is offering an amazing rate of $29.99 / night and it includes

Located in the Lake Buena Vista resort area, just minutes from the attractions, this Inn boasts 23 acres of well maintained grounds, two swimming pools, the Boardwalk Buffet Restaurant for casual dining, the Comfort Zone Lounge for evening cocktails and the Lite Bite, a mini-convenience store for snack foods. A fun filled Playground for the kids, Video Arcade Game Room and a handy Gift Shop.

We have 640 spacious rooms within four high-rise buildings. Rooms have two double beds or one king bed, with private bath, remote controlled color/cable TV with in-room movies, FREE local calls, FREE in-room personal safes, refrigerators, microwaves, coffee makers, hairdryers, and radio alarm clocks. Also available are the Family Fun Suites equipped for a family of five, with microwave, refrigerator, coffee maker, hairdryer and a separate kids area with their own TV and VCR.

You'll get the following:

Semi Suite accommodations, including a microwave, refrigerator, coffeemaker
FREE shuttle service to Walt Disney World, SeaWorld and Universal Orlando
$25 in food and beverage coupons
FREE parking
3 miles from Convention Center.

Comfort Inn Lake Buena Vista
8442 Palm Parkway, Lake Buena Vista, FL 32836
phone: 800-999-7300

Here's a map and chart of all attractions located nearby http://www.comfortinnorlando.com/Location.htm

So what are you waiting for...Click the link below for this deal or call direct and ask for TRAVELZOO deal!

http://hotels.travelzoo.com/orlando-hotels/466735 (If it says sold out - just call on phone and ask for special - that's how I got it last week)

BOOK YOUR RESERVATIONS ON-LINE by entering your travel dates in the calendar or CALL US DIRECT to speak with a Booking agent toll free @ 800-999-7300 and ask for the Fabulous Fall. http://comfortinnorlando.com/tzoo

Hope this makes the trip more affordable for some of you (more money for drinks) :)

So will you be going to Orlando for NAR - let me know - We're going just to play with the people in our Computer - can't wait for the Active Rain meet-up!!

Big View = Big Windows = Big Problems

Fri, 12 Sep 2008 10:27:34 -0500

This article was written by a good California Realtor friend of mine and I thought my readers would enjoy it because it made me think of the oceanfront views people want when buying Clearwater Beach real estate.

Jeff points out some things people don't think about. While that western sunset is beautiful it's important to know that there are some other things to plan for!

The additional cost for most Clearwater Beach condos and homes is that you need to plan to protect those views with hurricane panels or storm protection of some kind. It's obvious at this time of year with all the hurricane activity we're seeing.

Florida actually has a law that will now require all high risk properties to be protected to get insurance by 2011. I have a local expert planning to share more with us in the near future so stay tuned for more on that topic.

In the mean time - this is a great start when planning to buy your Clearwater beach property. (Feel free to Search all Clearwater beach condos for sale now)

Via Jeff Dowler ~ Carlsbad Real Estate:

Many buyers in the San Diego area are hoping for big views when purchasing a home.

Nothing wrong with that...and there are lots of great views to enjoy here in paradise. The ocean or San Diego Bay, the mountains, panorama, city lights, golf courses and lagoons are some of the things that folks want to look at outside big windows in their homes. And will pay for that opportunity.

There's a price for that.

Two prices, in fact.

One, view homes generally cost more. You can't easily put a price tag on it, but typically comparable homes with views versus those without will enjoy a bigger price tag. How much depends on the view and what someone is willing to pay. Ocean views seem to be the priciest, and the closer you are to that beautiful blue sea the more costly. Could be a few hundred thousand dollars or more for a terrific ocean view versus none. Ocean frontage view can add millions.

Coupled with this is a desire for big windows. After all, a great view doesn't do you much good if you can't enjoy it through expansive glass, which in turn adds more interior light and a feeling of spaciousness. Homes with views are often built with large windows for this reason, or owners remodel to bring as much of the view indoors as possible, to meld the indoors and outdoors in true Southern California fashion. Understandably, floor to ceiling windows and glass doors are popular with those who have dramatic views. Some sliding doors can even disappear into the wall to truly bring that great view right into the house.

The second price, however, for some view homes is the sun. And, more accurately, sun damage. This is especially true of our western-facing homes which have, as one would hope, fabulous sunset views over the ocean. Easterly facing homes, however, can get some pretty intense sunlight, too.

The impact of the sun on these homes can be dramatic:

increased heat in the afternoons, thus driving up the costs of cooling

significant bright light which can require the use of some short of curtains or shades in order to enjoy the space in the afternoons (which negate the view);

harmful UV rays which can discolor, and damage, flooring, carpet, furniture and artwork.

Technology has improved significantly in recent years with respect to glass, with options that allow one to reduce the glare, heat and sun damage. Curtains and shades have been available for ages, but new systems allow for motorized systems (shades, screens and drapes) that can respond to the amount of light itself (for both interior and exterior installation). Solar screens these days can block a large percentage of the ultraviolet rays and the glare but allow outstanding visibility of the scenery.

On the horizon? Manufactured glass (solar glass) that can generate electricity and still allow a significant portion of light through.

Some of these observations about large windows and sun might be rather obvious, and one would hope that folks who are buying these views might give it some thought, and prepare themselves to spend the money to protect their furnishings and art work, and deal with the heat and light issues they will inherit. I suspect many do not give it much consideration, or even think about it. They should.

And there is, of course, the opposite perspective -

if you have fabulous views out through huge windows, don't the folks outside have equally good views in?

My daughter shared a terrific article with me from the Wall Street Journal on this subject, which I just now read after writing this. I invite you to take a look. There are some valid points about big windows to consider. And a bit of humor. Quite frankly, though, I find it hard to feel sorry for the poor grad student in the $1.5 million dollar apartment whose $20K sofas were damaged by the sun, among other things resulting from her fab views. Not too bright (pun intended).

Views can be wonderful, but they come with a cost. Think about it.

Burning Down the House

Thu, 11 Sep 2008 00:21:58 -0500

Local Tampa Mortgage expert, Dave Presnell shares his thoughts on the recent takeover of Fannie Mae and Freddie Mac. It's still too early to know what the fall out will be but I have no doubt it's going to be significant and probably be like unpleasant medicine to swallow when we finally have to address the issues.

I am letting buyers interested in Clearwater Real Estate - now is the time to get serious. Rates dropped on this news and rules stayed the same in the short term - many believe next year both will be less attractive and we already have some of the best prices we've seen in years.

If you'd like to discuss buying property further just give me a call at (727) 710-8035 or if you have Tampa Bay mortgage questions I highly recommend you give Dave at his office number 813-514-4993 or his cell phone number 813-690-0591

Via Dave Presnell:

Consider this:

Your neighbor, a heavy smoker, falls asleep while holding a lit cigarette and his house catches fire. He smells the smoke, realizes his life and property are in danger and calls the fire department. You hear the commotion outside, walk down your driveway and learn what's going on.

Do you get angry at the fire department for responding to an obvious crisis caused completely by your neighbor's carelessness? Do you insist that the firefighters leave immediately and let your neighbor's home burn to the ground? Do you insist the tobacco company that made the cigarettes, the truck driver who delivered them to the convenience store where your neighbor bought the cigarettes, or the clerk there who took his money come put out the fire instead?

No, of course not. You may be upset with your neighbor for his carelessness, but you realize that allowing his house to burn puts yours at risk from burning embers. Doing nothing could well lead to your own home burning down, too.

Metaphorically speaking, thousands of U.S. taxpayers are enraged today that the federal government is stepping in to put their neighbor's house fire out.

Over the weekend, the government announced that it is placing Fannie Mae and Freddie Mack into receivership- in effect, taking them over. Already TV news commentators are fanning angry taxpayer's flames by saying it will ultimately cost them untold billions and billions of dollars. Taxpayers are angry, they say, because they will have to bear the cost of other people's greed and poor decision making that led to the housing and credit slump we currently are experiencing.

While they may rightfully be enraged about the causes of the current problems, to vent their anger at the government for this and other recent actions makes about as much sense as yelling at the fire department for responding to a fire. Ultimately, doing nothing will cost taxpayers far more than "putting out the fire" will. I understand their frustration at having to foot the bill (hey, I'm a taxpayer, too!). However, I also understand how the market works. Without some assurance to investors in these securities that they will get paid, interest rates will rise, mortgage financing will become harder and harder to obtain, and the housing market will continue to languish. Home values would drop or stagnate for an even longer period of time which ultimately could cost taxpayers more. Most people don't see that though because the talking heads on TV will play up the fact that taxpayers are footing the bill for (fill in the blank- buyers, realtors, mortgage lenders, whomever your favorite villain du jour is) greed and bad decision making.

This fire was caused by poor decision making on the part of a lot of people- buyers, realtors, mortgage lenders, investment houses and investors on Wall Street, just to name a few. Just as with a house fire, the first and immediate action is to put the fire out. Then investigate the cause and take corrective (and preventative) action. Don't tell the fire department to pack up and leave.

Clearwater Auto Accident Attorneys | Simple Tips Can Change your Life after Car Crash

Thu, 11 Sep 2008 00:10:51 -0500

Clearwater Auto Accident - Motorcycle Crash - Now What do you Do?

Clearwater FLorida - One of the great parts about living in Pinellas County and the Clearwater area for 18 years is you really get to know a lot of business people and service providers in both a personal and professional way. I have personally unfortunately been in more than one Clearwater car accident in the last few years (none my fault in case you were wondering) and unfortunately there are lots of things I didn't know until I was (1) injured in an auto accident and (2) hand bad auto accident care and advice! However whether you're in a car crash, truck accident or suffer from a motorcycle injury - you need this info because I can tell you that if you or a loved one is in injured in one of these kinds of traffic accidents it's not overreacting in my humble opinion to contact a caring, experienced Clearwater Auto Accident Attorney to be YOUR advocate!! Like most crisis - it's always helpful if you've done your research and have a plan BEFORE you have to ask, "Who's the best Pinellas County Auto Injury Attorney?" when you're still in shock!

Clearwater Resident Thankful for Helpful Personal Injury Lawyer

I have found that St Peterburg - Clearwater personal injury attorney David Neville, who has been helping people injured, often through no fault of their own, in Pinellas County for years makes a bad experience have the best possible outcome. In my experience, he does a great job and really cares about each client and their family (which is first and foremost for us). I was actually in a Clearwater car accident a few years ago and David was my attorney and when friends and neighbors I know are in a car crash I immediately recommended Clearwater Auto Injury attorney, David Neville to them.

Well while anyone who's been through a car accident knows, recovery is often a long process and you're dealing with the emotional recovery, as well as, your physical injuries (some of which we will live with forever) need to be taken care of. My friends still thanks me for recommending an experienced skilled auto injury lawyer to them after being in Pinellas County car accidents. David was able to negotiate a favorable settlement for me and othes and while money doesn't heal all - it definitely helps you get the care you need and get back on your feet after you go through something I wouldn't wish on anyone.

Most of us don't have reasons to see any kind of lawyers or attorneys very often and I have to admit I always feel a little intimidated (like being called into the principals office even if it's not your fault). While it's normal to feel a little nervous - I know if you're like me, you'll appreciate David Neville's warm smile and his relaxed style as he works to listen and understand your personal situation which really puts me at ease (while being a pitbull when working FOR me). Being comfortable really talking to my attorney...who is my advocate was really important in my experience. There can be "no dumb questions" and I always want a skilled personal injury attorney who listens to me and my needs and my desires.

Clearwater Car Crash, Fender Benders & Truck Accidents - Info I hope you never have to use!

When I was in my first car crash several years ago (a car ran a red light and side swiped me in an intersection where I did a 180 degree turn and totaled my car I actually was able by some blessing to walk away - many people aren't so lucky) I thought it was no big deal physically - even though I knew my car was totalled.

Luckily I did know enough to see a doctor immediately for a check up regardless of how I felt. I come from a family that believes if you aren't bleeding or throwing up you're fine (Can anyone else relate?) - well based on that criteria I was fine...only I wasn't. Unfortunately I went to my primary care physician for a check up and he refered me to what I would say is the "puppy mills" for people who have been personally injured in a car accident.

I did some things right - I had seen a doctor and followed his advice on the next step - however I made the mistake of not getting an experienced Pinellas County personal injury attorney working as my advocate and looking out for me from the beginning. Thankfully a friend referred me to one of the best accident injury lawyers in Clearwater - St Petersburg while I was still having appointments in the "puppy mill" process.

I think I was like most people in car accidents, I'm not someone looking to sue anyone and I also didn't want to spend money talking to a lawyer - even if I did want to get their opinion. I didn't know that they get paid like I get paid as a realtor - ultimately if we can achieve a successful outcome we get paid. I'm so glad I know a better now.

The result - the experience that followed was like night and day. I was ultimately able to get the care and injury rehabilitation that I needed. I have to say that I also learned Clearwater's best chiropractor makes all the difference (but that's a story for another post)

While I am not an attorney or lawyer and am not giving legal advice here just sharing my personal experiences (Please call David Neville, Attorney in Law at or your own personal injury attorney if you have questions) here's what I've learned from mine along the way ...

6 Things To Do Immediately when in a Car Accident in Pinellas County

If possible, photograph all damage to you, the car, the others involved in all cars as well and anything else that makes sense.

Always call the local police, no matter how minor you believe the crash to be and make sure they

Get a copy of the Drivers' Exchange Information Form from police

Get all the insurance documentation regarding your own car and/or the car you were riding in

Seek legal advice as soon as possible to ensure that your rights are preserved

It is essential to have a medical evaluation at the first sign of injury following a collision.

So while I hope you, your family or friends never needs this information - if you do at least you'll know where to turn for the help you need.

If you want more info or to get a FREE consultation call David Neville, Attorney on his cell phone at 727-481-3072 - he's available when you need him!

His office is located at: 6251 Park Boulevard Suite 9 Pinellas Park, FL 33781

P.S. Tell him Cyndee told you to call -

NFL Super Bowl in Tampa Florida in 2009 - Book your Homes, Condos, Hotel rooms now

Sat, 06 Sep 2008 08:36:46 -0500

Tampa Bay Florida - Today I was reading one of my favorite Tampa Bay blogs and was reminded that this year's Super Bowl is only 149 days away and will be held right here in Tampa Bay. Our community has hosted the Super Bowl before and boy does this town enjoy the festivities. If you want to find out more about this year's Super Bowl or opportunities to volunteer or get involved then visit the Tampa Bay Superbowl website.

It's amazing what local homes, beach condos and vacation rentals of all kinds will go for during that weekend. If you are planning to be here don't put off making your reservations. While Jack and I don't handle rentals you can call Patty Belloise at 727-410-1936 who does (just in case you're looking for a great local contact).

Now if you are someone who has decided that "now is the time to buy" Tampa Bay real estate - we CAN help you with this. :)

Regardless of what your plans are here are some pictures of our Bucs Stadium, which I had the privledge of touring with Leadership Pinellas last year - I'll give you a sneak peek into our stadium.

Call us Today at (727) 710-8036 to hear more about how we can help you!

Copyright © 2008 Jack and Cyndee Haydon, Clearwater REALTORS and your Clearwater Real Estate Consultants specializing in Tampa Bay Real Estate and may not be copied, reproduced, distributed, transmitted, displayed or published.

Will appraisals require more time for closing a contract?

Fri, 05 Sep 2008 12:08:57 -0500

Sharon Simms, a local REALTOR friend of mine does a great job highlighting how further the changes in the mortgage industry are having unintended consequences. If you are buying or selling it's important to work with professionals that are on top of all the latest changes.

We have especially seen appaisers struggle with those "unique" properties. If you have any questions feel free to give Jack and I a call at (727) 710-8035 or (727) 710-8036

Via Sharon Simms St Pete Florida CRS CIPS CLHMS :

When I spoke with a lender today about closing a contract (and loan) in 3 weeks, the lender suggested adding more time - the main item out of the control by the lender was the appraisal. The bank can no longer order the appraisal, so they send the request out to a third party provider who selects the appraiser from a rotating list. Not only does this "middleman" add more time, but the new appraisal requirements may add more time, too.

What if it's a unique property? What if there haven't been any recent sales in that neighborhood? Not only might it take the appraiser more time (rotation means the lender can no longer choose the appraiser most familiar with that neighborhood, price range, or type of property) once he gets the assignment, but once the appraisal is completed and goes to underwriting, the underwriter may ask for more comps, which will add more time.

Is it prudent to ask for more than a 30 day closing, with the new lending and appraisal requirements?

Tampa Bay Real Estate News - Property Tax Reducing Amendment Removed from Ballot

Thu, 04 Sep 2008 18:32:26 -0500

Tampa Bay Real Estate News - Well all Tampa Bay property owners and investors got some bad news to followup on the Tampa bay property tax news we received on August 15th when a Leon County Circuit Court removed Amendment 5 (aimed at lowering Florida property taxes) from the November ballot.

The wait is over here's the Tampa Bay real estate news: Florida's Supreme Court decided by a 7-0 ruling on September 3rd that Amendment 5 - the Property Tax reducing Amendment will not be on the November ballot and their decision is final.

This Supreme Courts' ruling ends an intense fight to help provide property tax relief to Tampa Bay real estate owners as well as all Florida Property onwers. The court's ruled to uphold the Circuit Court's decision to remove Amendment 5 from this fall's ballot because of the language in the property tax amendment which said "education funding would be held harmless". The issue for them was the "language" and the fact that Amendment 5 funding would only be held harmless for the 1st year and then education funding would be determined by the Florida State legislature.

We will continue to keep you posted on what's happening with Tampa Bay real estate issues that effect you so stay tuned.

The Florida Association of Realtors, which supported the amendment, decried Cooper's ruling saying "Homeownership is a fundamental right, and Floridians deserve a say on how their property is taxed," said Chuck Bonfiglio, president of the Florida Association of Realtors, in a prepared statement. "We are shocked that the court decided to deny property owners' the ability to dramatically lower their property tax rates."

We as Tampa Bay Realtors and home owners were excited about voting YES for Amendment 5 Property taxes. We believe it would have helped Tampa Bay Real Estate buyers, residents and renters because everyone should have experience savings. We also believe it would have helped home sellers since by making Pinellas County homes more affordable and more appealing to buyers who do not currently qualify for homestead exemptions. Remember: Florida property taxes have doubled over last 6 years!

Amendment 5 had projected savings for Tampa Bay property owners

Hillsborough property owners = 23%,
Pinellas County property owners = 25%
Pasco property owners = 32%

Amendment 5 Property Tax Details

Now we'll have to wait and see what happens in the future. Here are the details for the Amendment 5 proposal at Give Me 5 Florida and the actual Amendment 5 property tax proposal. Benefits: Amendment 5 would have provided much-needed tax relief to Florida's seniors, many of whom fear losing their homes because of an inability to pay higher property taxes on a fixed income.

Other articles of interest

Call us Today at (727) 710-8036 to hear more about how we can help you sell your home or buy a new one!

Clearwater Real Estate News - Property Tax Amendment 5 ripped from November Ballot

Wed, 20 Aug 2008 06:58:49 -0500

Pinellas County Florida - Well all home owners, investors and others got some bad news today - Leon County Circuit Court ripped Amendment 5 off the November ballot. We still have a chance because the State will appeal the ruling and it will ultimately be decided by Florida's Supreme Court.

Govenor Crist Weigh's In on Court's Ruling

In the Florida Capital News Crist weighs in. Crist said Cooper's ruling "doesn't mean anything" because whichever side lost was certain to kick it up to the Supreme Court. "I was disappointed but not dismayed. It will be appealed - I think everybody knows that," said Crist. "I hope it stays on the ballot because I like the will of the people. I want them to weigh in. I want them to have that power because they're the boss."

We as Clearwater Realtors and home owners we are definitely planning to Vote YES for Amendment 5 Property taxes. We believe it's good for Clearwater Real Estate buyers, residents and renters because everyone should experience savings. We also believe it will help home sellers since it will make homes more affordable and more appealing to buyers who do not qualify for homestead exemptions.

Did you know that Florida property taxes have doubled over last 6 years?

Amendment 5 is proposing a sales tax 1% or less to fund education.

If approved it is predicted that Florida property owners could see 25-40% property tax deduction in 2010 if Amendment 5 had passed. This would help local Floridians across the board by sharing the cost of education with all local residents and tourists.

One of the most important things Amendment 5 will do for our clients (people buying vacation homes or invests in Clearwater Beach and the Clearwater area) is provide a 5% annual property tax cap on all non-homestead property (which was set at 10% this past February) It's important for Florida home owners to understand what's at stake.

Additional aritcles discussing Amendment 5 being removed from the ballot:

Amendment 5 creates these projected savings for Tampa Bay property owners

Hillsborough property owners = 23%,
Pinellas County property owners = 25%
Pasco property owners = 32%

Amendment 5 Property Tax Details

You can get more details on the Amendment 5 proposal at Give Me 5 Florida and the actual Amendment 5 property tax proposal. Benefits: Amendment 5 would have provided much-needed tax relief to Florida's seniors, many of whom fear losing their homes because of an inability to pay higher property taxes on a fixed income.

Amendment 5 proposal built on what Ammendment 1 already gave us:

Portability
+25K Homestead exemption
10% cap for non homestead property owners

Other articles of interest

** CLICK ON PHOTOS BELOW TO SEE CLIENT VIDEO TESTIMONIALS **

Buyers and Sellers tell us that selecting the best Clearwater Beach real estate agents especially online or from a distance, can be a challenge. Some of our past clients agreed to share their experiences and tell you why they think you should work with us.

Click on the photos below and meet some of our clients and now friends...wed love to be YOUR choice too!

The above information and images are Copyright © 2007 Jack and Cyndee Haydon, Clearwater REALTORS and your Clearwater Real Estate Consultants serving Pinellas County and may not be copied, reproduced, distributed, transmitted, displayed or published. All rights reserved. Plagiarism will be detected and is punishable by law.

Call us Today at (727) 710-8036 to hear more about how we can help you sell your home or buy a new one!

Clearwater Homes for Sale in Morningside Estates - 2255 Habersham Dr

Wed, 20 Aug 2008 06:52:54 -0500

Clearwater Homes for Sale in Morningside

Clearwater Florida - Check out this 2 bedroom one and half bath ranch home in Morningside Estates. Great home for first time homebuyers or our winter residents

Cyndee and Jack Haydon | Belloise Realty | 727-710-8036

2255 Habersham Drive, Clearwater, FL

Clearwater home in Morningside Estates under $180000

2BR/1.5BA Single Family House

offered at $179,999

Year Built	1964
Sq Footage	1,297
Bedrooms	2
Bathrooms	1 full, 1 partial
Floors	1
Parking	1 Car garage
Lot Size	7,500 sqft
HOA/Maint	$0 per month

DESCRIPTION

Come home to this well maintained 2-bedroom home in popular Morningside Estates. This home features an airconditioned florida room, living-dining room combination and an eat-in kitchen floor plan with large rooms, bathroom with updated sinks and vanity, .5 bath in garage, fresh paint, newer interior doors, kitchen pantry and washer and dryer. Owner measured the home and reports the square footage is 1,297 with the florida room. You'll love the neighborhood with the park featuring racquetball, playground, basketball court, tennis courts, and swimming pool. You are close to Plumb Elementary, Oak Grove Middle School and Clearwater High School, with an easy commute to Tampa, and St Petersburg.

see additional photos below

PROPERTY FEATURES

Central A/C	Central heat	Family room
Living room	Dining room	Breakfast nook
Dishwasher	Refrigerator	Stove/Oven
Microwave	Attic	Washer
Dryer	Laundry area - garage	Yard

COMMUNITY FEATURES

Swimming pool(s)	Tennis court(s)	Lake
Playground

OTHER SPECIAL FEATURES

Racquetball courts

Basketball courts

Volleyball courts

Sidewalks throughout

ADDITIONAL PHOTOS

Seller contact info:

Cyndee and Jack Haydon

Belloise Realty

727-710-8036

For sale by agent/broker

Equal Opportunity Housing

Posted: Aug 20, 2008, 2:37am PDT

Real Estate in Clearwater

Are you looking to buy Clearwater Pool Homes, Pinellas County Luxury Properties? Clearwater Florida real estate? Did you know you can search all the homes for sale in the Tampa Bay MLS now with no pressure at your leisure or feel free to call us today at (727) 710-8036 to answer any of your questions. Here's what some of our past clients have to say about how we helped them....** CLICK ON PHOTOS BELOW TO SEE CLIENT VIDEO TESTIMONIALS **

Pinellas County Home Buyers tell us that selecting a Pinellas County Real Estate Agent especially online or from a distance, can be a challenge. Some of our past clients agreed to share their experiences and tell you why they think you should work with us.Click on the photos below and meet some of our clients and now friends...we'd love to be YOUR choice too!

*The above information and images are Copyright © 2008 Cyndee and Jack Haydon, Clearwater Realtors your Pinellas County Real Estate resource and may not be copied, reproduced, distributed, transmitted, displayed or published. All rights reserved. Plagiarism will be detected and is punishable by law.

Dunedin Real Estate - Dunedin Homes for Sale in Highland Woods - Gated Community

Fri, 15 Aug 2008 15:16:29 -0500

Dunedin Homes for Sale - 2208 Elizabeth Way Dunedin, FL 34698

Dunedin Florida Luxury Properties - This is a beautifully kept, impeccably maintained and spacious Kensington model house for sale in Highland Woods. It features 4-bedrooms (Master Suite downstairs), 3-full baths and a pool half-bath. Looking for a 3 car garage - this luxury property has it all.

This Dunedin luxury pool house was built in 2002 and is one of only 87 houses in this deed restricted community. The HOA (Home Owner's Association) fee is $363 twice a year. This covers the common grounds and gated entrances.

Dunedin Houses for Sale - 4 Bedrooms 3.5 Baths Pool Home in gated Highland Woods neighborhood

Are you looking to buy Dunedin Real Estate? Check out this Luxury Property...

It has a huge Bonus Room with Wet Bar and room for your pool table. This is a great home for entertaining and family living. French doors open onto the hardwood floors on the second floor landing.

It has vaulted ceiling in the large family room that opens up to the second floor as well as into the kitchen and breakfast nook, then pockets open to the covered lanai with heated pool and spa.

Relaxing is easy...Check out..Dunedin Pool Homes for Sale

This heated pool also has a heated jacuzzi with a fountain, spill over spa and lots of room for entertaining and grilling on your covered patio lanai area. Mature landscaping gives you total privacy in your resort like pool area - just bring your towels.

You'll love the direct access to the lanai area from your master suite. Also the master bath has a relaxing garden jacuzzi tub.

One of the nice features for Highland Woods homeowners is that there is a Residents Only Entrance and exit right onto US19 just south of Curlew Road. This is expecially convenient if you are going to other parts of Pinellas County.

Additional features of this Highland Woods home for sale include formal dining room, hardwood flooring, zoned AC (NEW air handlers), water softener, reclaimed water for irrigation, alarm system, built-in surround sound, and a stacked 3-car garage that allows for: a workshop, boat storage, or 3rd vehicle.

Located in the Highland Woods gated community with easy access to Tampa, and Honeymoon Island and all points north and south via US19, McMullen Booth Road, Curlew Road and Belcher Road.

Convenient to airport, country clubs, shopping, hospitals, schools, beaches, and several GREAT golf courses including the Dunedin Country Club and the Countryside Country Club.

Relate Pinellas County Real Estate articles:

Dunedin Real Estate

Are you looking to buy Pool Homes, Gated Community? Luxury Properties? Dunedin real estate? You can search all the homes for sale in the Tampa Bay MLS now or call us today at (727) 710-8036. Here's what some of our past clients have to say about how we helped them....

** CLICK ON PHOTOS BELOW TO SEE CLIENT VIDEO TESTIMONIALS **

Dunedin Florida Home Buyers tell us that selecting a Tampa Bay Real Estate Agent especially online or from a distance, can be a challenge. Some of our past clients agreed to share their experiences and tell you why they think you should work with us.Click on the photos below and meet some of our clients and now friends...we'd love to be YOUR choice too!

Sandpearl Resort | Clearwater Beach Florida Luxury

Sat, 26 Jul 2008 03:20:27 -0500

Sandpearl Luxury Condo Hotel on Clearwater Beach Florida 33767

Clearwater Beach Real Estate is excited to have our first ever five star beachfront condo resort - The Sandpearl Resort is located at the corner of Mandalay Avenue and Baymont Street. For the first time in 25 years the Tampa Bay area has an new Resort Hotel on the beach and they've set out to deliver the ultimate resort destination.

The Sandpearl Resort was built where the old Clearwater Beach Hotel stood since 1917. The good news is that the history of the Clearwater Beach Hotel didn't end when it closed down 2 years ago.

The old hotel's bar was salvaged, restored and placed on in the Sandpearl's beachside tavern.

Our family was having dinner at one of our favorite Cleawater beach restaurants, Bobby Heilman's Beachcomber,the other day and afterwards knowing the Sandpearl resort was getting ready to open we took some new shots of the Sandpearl from the front and from the beachside.

It gives you a feel for why this resort will have such appeal. It has world class beaches and amazing sunsets.

What a great Gulf view - especially at sunset. This hotel opened for visitors in 2007- just in time for Labor Day.

We've enjoyed seeing the Sandpearl go up since it is located just 2 short blocks from our office on Baymont Street. Sandpearl is located next to the Mandalay Beach Club luxury condo development. Both developed by JMC Developers.

The Sandpearl Resort (made up of the Hotel and Condo-Hotel) and Sandpearl Residences (the 116 Clearwater Beach Condos) are in a great location within walking distance of Pier 60 and their nightly activities, as well as, fishing from the functional pier. It is only about a mile's walk to Caladesi - which many believe will be named Best Beach in the United States next year. It has been recognized as a top beach for several years running now and is only accessible by foot from North Clearwater Beach or by boat.

Here's an overview of the Sandpearl Resort - Hotel and Sandpearl Condo Hotel:

Address: 500 Mandalay Ave Clearwater Beach, FL 33767
Rates: $159 to $950 a night
Room Size: 425 to 1600 sq ft.
It has 203 hotel rooms and 50 condo-hotel rooms that owners can rent them out 11 months of the year.
Sandpearl has 700 feet of amazing Clearwater beach front with incredible views.
33 nearby boat slips should be ready about this time next year - good news for all Boaters!

Jack and I are a husband and wife real estate team specializing in Clearwater Beach real estate. If you'd like more information on Sandpearl condos for sale or other Clearwater Beach condos feel free to give me a call at (727) 710-8035

More Photos of Clearwater Beach Luxury Condos - Sandpearl Resort & Sandpearl Residences

*The above information and images are Copyright © 2007 Cyndee & Jack Haydon, Clearwater Beach Real Estate Agents and may not be copied, reproduced, distributed, transmitted, displayed or published. All rights reserved. Plagiarism will be detected and is punishable by law. Reprinted with permission from Clearwater Beach Florida blog -Sandbars to Sunset

Sandpearl Condos | Sandpearl Residences - Insiders Guide to Best Clearwater Beach Views

Wed, 09 Jul 2008 11:27:44 -0500

Sandpearl Condos - Smart Residences - Layouts and Fantastic Views

Clearwater Beach Florida - We are currently working with several buyers who are interested in purchasing one of the 26 Sandpearl condos for sale, as an investment property or a vacation home in the newest luxury condominiums on Clearwater Beach. Right now these 26 Sandpearl condos for sale listed in the Tampa Bay MLS start at $709,000 to over $2.2 million.

Even though these are some of the most expensive condos on Clearwater Beach they continue to be in demand and have sold well even in this buyers market of 2008 with 11 condos having sold from $730,000 to $4,600,000.

Our favorite Sandpearl condo for sale right now is on the 14th floor with a fabulous southern view that overlooks pool and pier for under $2,000,000.

If you've been wondering what all the buzz is about - give us a call (727-710-8036). We'd be happy to give you an insiders tour of the Sandpearl Residences.

Sandpearl Condominium Building Layout

As you can see from the diagram below the Sandpearl Residences have 9 condo units per floor. All of the units have spacious balconies and the building is angled so you feel like you're the only condo in the Sandpearl.

Full on Gulffront Views (West) - For this prime view of the Gulf of Mexico you'll want Units #1 or #2. #1 is the South West condo and the #2 unit has the North West views (towards Caledisi Beach and the residential area of North Clearwater Beach). Sunset views to die for!

Southwest Views - So if you're looking for the popular southwest view (these always sell quickly) then you're going to want an odd numbered condo like 1, 3, 5. You'll have great views of the pier at Pier 60 in these units.

Southeast Views - If you want southeast then you'll like condos ending in 7 or 9. As you can see there is only one condo on the eastern side of the buidling - it has great views of downtown Clearwater and the intercoastal. Many buyers like these units because you have fabulous night views and you'll be really popular on the 4th of July with the best possible seat for the City of Clearwater's amazing fireworks.

Full East View of Intercoastal Waterfront- Calling all sunrise lovers and those who enjoy the night lights - these units offer some great views with some extra balconies off the kitchen and guest bedroom that are a real bonus.

The 3rd floor of the Sandpearl Condos have the majority of the ammenities like the pool area, fitness center, party room with kitchen, billiards room and more. Check out the one of a kind onyx countertops when you're there.

Sandpearl Condos for Sale

Sandpearl currently has 26 condos for sale here are some and if you want details on all the condos just give us a call at (727) 710-8036 and we'll email you a current list of what is for sale by all the Tampa Bay real estate companies in the area.

List of Sandpearl Condos for Sale

in additon to great condos, Sandpearl is getting new Clearwater Beach boat slips soon. We can also show you great beachfront condos in these other popular Clearwater Beach Condos:

Here's what some of our past clients have to say about how we helped them - .

"you treated us like family"
"you dig for information on each property, researched and worked hard to make sure we knew everything about the condo we bought"
"being out of state we needed someone we could trust - and that was you!"
"we didn't want any pressure - we worked with you a long time and there was never any pressure"
"you are the Painless REALTORS - I've bought and sold homes and you handled all the details for us - thanks"

Copyright © 2007 Jack and Cyndee Haydon, Clearwater Realtors and Clearwater Beach Real Estate Consultants and may not be copied, reproduced, distributed, transmitted, displayed or published. All rights reserved. Plagiarism will be detected and is punishable by law.

Clearwater Beach Condos - Best Waterfront Bargains on Island Estates

Wed, 09 Jul 2008 10:37:16 -0500

Clearwater Beach Florida - Finding Waterfront Bargains- Condos on Island Estates

Clearwater Beach Florida - We get lots of request for waterfront condos Today I was out on Island Estates at the Dolphin Cove condo complex again. (The picture you see here is just one of the amazing views from the 10th Floor looking out onto Clearwater Beach.) We are currently the buyers agent (representing the buyer 100%) for several people looking for the best waterfront condos for sale.

They've called us to be their advocate and real estate agent because they recognize the Clearwater Beach Real Estate values and bargains that can be found right now cant be expected to last forever.

These savvy Clearwater Beach buyers also know that they arent creating any more waterfront so these Island Estates and Clearwater Beach area bargains are definitely worth investigating.

Dolphin Cove continues to be popular as one of the best values on Island Estates.

I also realized many of our readers looking for the perfect second home retreat on the water or real estate investors looking to buy at the right time might enjoy learning more about this Island Estates real estate bargain.

Dolphin Cove Condos Relaxing Beach Getaway

Right now there are condos for sale starting at under $160,000 and several condos for sale under $200,000.

The building has 11 floors and there are a total of 120 units in this building that sits on the intra-coastal waterway offering wide open waterviews.

This complex has NO age restrictions which makes it popular with everyone except pets, because they dont allow any pets! (Sorry all our pet lovers this condo complex is completely pet free!)

Dolphin Cove has a secure locked entrances to both the building and the pool area. The inviting pool (with a blue dolphin seen on the bottom) area sits on the intra-coastal waterfront with a new fishing dock.

The pool area is complete with Tiki Huts, pavers and lots of inviting lounge chairs. There is a charcoal grilling area in this pool area as well. There are also his and hers bathrooms off the pool area.The landscaping offers privacy from local traffic. There are also 5 Dolphin Cove boat slips that are available first come first serve.

Other Dolphin Cove amenities:

Recreation Room with kitchen, library;
Bike Racks under building;
Storage Units on ground floor;
Laundry Facilities on each floor;
Upgraded sprinkler system (current residents paid @$3000 each to have this upgrade for the 2012 deadline)
5 Boat slips available first come first serve
Sitting area in Lobby
90 day leasing rentals ok;
Large pool area for entertaining
Safe, Secured entrances to both building and pool area
1 block from Publix and Island Way Shopping Center and Jolley Trolley stop
Within walking distance of the beach and Pier 60

If you would like to know more about buying or selling Island Estates Condos give us a call. (727) 710-8036 or feel free to search the Clearwater Beach MLS now.

Island Estates Condos for Sale on the Water

The City of Clearwater Florida is a unique area. Most people don't realize we have the mainland and Clearwater also includes the Beach | Sand Key | Island Estates area on the water.

Are you looking to buy a Island Estates Florida Condo with amazing water views or an Island Estates Waterfront Home with a boat slip and easy access to the deep Gulf of Mexico prime boating waters where you can enjoy fishing, diving or just cruising? Heres what some of our past clients have to say about how we helped them

Clearwater Beach Condos for Sale - Did you Know Very Few Can be Rented out Weekly?

Thu, 03 Jul 2008 14:27:34 -0500

Clearwater Beach Condos - Understanding Rental Minimums and Bed Tax

Clearwater Beach Florida - Buyers often want to purchase Clearwater Beach Real Estate especially after a great vacation stay. One of the first questions Clearwater condo buyers have is: "What are my options to rent out my Clearwater Beach Condo when I'm not using it?"

What many people don't realize is the City of Clearwater's code's default is a minimum of 30 day rentals which means if no other rules apply Clearwater Beach Condos or other property must be rented for at least 30 days or longer.

Now while 30 days is the default for minimum rental each condominium associations set their own rules (This is why you have to read that big stack of condo docs and know what you're agreeing to). Everything from allowing 7 day rentals to mandating no rentals being allowed in the first 2 years of ownership. Yikes - the fine print could kill ya - financially speaking!

Recently I had client looking to buy a Clearwater Beach condo as their vacation home. They also wanted to be able to rent it out weekly when it's not being used. Sounds simple enough, right? These Clearwater Beach area rental facts below may surprise you.

This is another good reason why you want to work with Clearwater Beach experts who know this kind of info about the various Clearwater Beach condos (also things like are pets allowed, how to calculate property taxes, etc. - topics for another day) because....

Which Sand Key, Island Estates & Clearwater Beach condos allow Short Term Rentals?

Get the Facts:

ALL Island Estates condos must be rented for over 60 days and most require a 90 days minimum or longer;
On Sand Key there are only 2 condominium complexes that allow you to rent for a minimum of 14 days;
Sand Key has no condos that allow 7 day rentals;
Only 4 Sand Key beachfront condos allow 30 day rentals - the rest require that you rent their Sand Key Condos for 90 days or more;

The good news is that their are actually 7 Clearwater beach condos that allow 7 day rentals - quirky how that number matched. 5 of these short term rental condos have fabulous inter-coastal waterviews (and you can walk across the street to Clearwater Beach) and there are two gulf-front Clearwater beach condo complexes directly on Clearwater Beach with sugar white sand at your backdoor.

You might wonder why Beach condo rental periods vary so greatly. There are many reasons but one of the reasons is that many of them have a 180 day minimum rental period because then you can avoid the extra 12% bed tax (which is charged to the user just like in a hotels) that is charged on all rentals in Pinellas County that rent for a period of less than 6 months. It's definitely something to consider when making your plans.

If you are looking to purchase Clearwater Beach Real Estate any time soon - give us a call at (727) 710-8035 and let us know what your rental goals are and we are happy to share with you which Island Estates, Clearwater Beach and Sand Key Condos match your requirements.

There are still some homes on North Clearwater Beach that are grandfathered to allow 7 day rentals so they are another option for buyers looking for short term vacation options. We also have a few condo-hotels but this is a whole different model, however if you'd like more info - places like Sandpearl are getting good reviews.

Clearwater Beach Condos For Sale

Are you looking to sell a Clearwater Florida Condo - request our complimentary Condo Value Report on what is your Clearwater Beach condo worth in today's dynamic marketplace.

There has never been a better time to buy Clearwater Beach Real Estate - as a primary residence or an investment property. Buyers are finding that sellers of Clearwater beach condos, homes & townhomes on the best Tampa beaches are motivated to sell and qualified buyers are benefiting because you can save money and we'll help you negotiate real bargains.

Enjoy our beautiful beachfront views or amazing intercoastal waterfront views and Tampa Bay boating? Here's what some of our past clients have to say about how we helped them.... Buyers tell us that selecting the best Clearwater Beach Real Estate Agent, online or from a distance, can be a challenge. Some of our past clients agreed to share their experiences and tell you why they think you should work with us.

Click on the photos below and meet some of our clients and now friends...we'd love to be YOUR choice too!

Want more info on Island Estates Real Estate? Search the Clearwater Beach MLS multiple listings of all properties including all waterfront Clearwater Beach homes for sale and beachfront condos in Clearwater.

Looking for Real Estate in Clearwater Florida, Sand Key Condos | Clearwater Beach Homes - Give us a Call today at (727) 422-8901.

The above information and images are Copyright © 2007 Jack and Cyndee Haydon, REALTORS in Clearwater and your Clearwater Florida Real Estate Agents and may not be copied, reproduced, distributed, transmitted, displayed or published. All rights reserved. Plagiarism will be detected and is punishable by law.

Historical Clearwater Country Club Addition Home for Sale - Best in Golf and Pool Luxury

Thu, 03 Jul 2008 01:09:13 -0500

Cyndee and Jack Haydon | Belloise Realty | 727-710-8036

210 Betty Lane, Clearwater, FL

You will love this historic Clearwater home located near downtown, and the beach overlooking the Clearwater Country Club Golf Course. Built in 1924

4BR/3.5BA Single Family House

offered at $599,000

Year Built	1923
Sq Footage	3,427
Bedrooms	4
Bathrooms	3 full, 1 partial
Floors	2
Parking	Unspecified
Lot Size	15,750 sqft
HOA/Maint	$0 per month

DESCRIPTION

You will love this historic Clearwater home located near downtown, and the beach overlooking the Clearwater Country Club Golf Course.

Built in 1924 by Mr. John Philipoff, a local builder of distinction, this 4-bedroom, 3-full bath and 1-half bath, Golf Course Frontage home
features hardwood floors, a fireplace, original windows and anatique light fixtures, 2+ car garage that was originally a carriage house and
horse stable, and a screen enclosed pool.

Mr. Phillipoff built this home for Mr. Oscar Rosseau, the man who engineered the building of the Courtney Campbell Causeway connecting Clearwater to Tampa. It was built halfway down a bluff in the center of the bluff for safety and to keep the home cool.

Construction of the house at 210 Betty Lane was begun in 1923 and was completed in 1924.

see additional photos below

PROPERTY FEATURES

Central A/C	Central heat	Fireplace
Hardwood floor	Tile floor	Family room
Living room	Bonus/Rec room	Office/Den
Dining room	Breakfast nook	Dishwasher
Refrigerator	Stove/Oven	Attic
Washer	Dryer	Laundry area - inside
Balcony, Deck, or Patio	Yard	Swimming pool

COMMUNITY FEATURES

Clubhouse

Golf course

OTHER SPECIAL FEATURES

In Law Apt, Circular Drive, 2+ Car Garage, Sleeping Porch,

Golf Course Across the Street - great views

ADDITIONAL PHOTOS

Seller contact info:

Cyndee and Jack Haydon

Belloise Realty

727-710-8036

For sale by agent/broker

Equal Opportunity Housing

Posted: Jul 2, 2008, 8:33pm PDT

This Clearwater home has the golf course, the pool and close to the beach along with it's rich history and lots of unique features Read our detailed article about this Clearwater Home for Sale

Looking for a Clearwater home - Want to see all the homes for sale in the Tampa Bay MLS

Want the latest info on Clearwater Real Estate - feel free to call me at (727) 710-8035.

Cyndee and Jack Haydon, Clearwater Real Estate agents

Belloise Realty 59 Baymont Street Clearwater Beach Florida, 33767

Gifts of Appreciation: Why Active Rain Still Rocks? It's the People and I appreciate them!

Wed, 07 May 2008 10:16:52 -0500

May Flowers for my Fabulous Active Rain Friends that I Appreciate!

Rarely a day goes by that Active Rain doesn't still touch my world in some way. Interestingly enough most of the REALTORS I regularly interact with on Twitter, Facebook, the blogosphere, etc. I met here on Active Rain. It's become quite a family.

Since I work for a small boutique realty company, Active Rain has given us much of the benefits of joining a large Real Estate Company without the fees - lol :) I also must say I never had people be so helpful and supportive.

Over the past year I have been able to learn so much on Active Rain and whenever I have a question I know I can always get great advice and help here.

This weekend was no exception. Sunday, I had a situation where my brother in Ft Worth Texas needed some real estate info however it's wasn't something what would produce "now business". Luckily I was able to easily reach out and email my Active Rain (and By Referral Only) friend Karen Anne Stone and...

She was able to get me the requested info in minutes (ok we were both on the web at night);
She went the extra mile and gave me and my brother here expert insights;
She offered to deliver the info he needed to his home;
She helped me earn major brownie points with my brother (always a challenge with my brother).

So Karen I wanted to say... THANK YOU! THANK YOU! THANK YOU!

Wow, to have easy access to friends who are the local expert is worth so much more than words can say. Thank you Active Rain and thank you Karen Anne Stone - for being such a real estate professional and a great FRIEND!!

So again I ask - What makes Active Rain a place like no other? For me it's...

It's NOT the fact that it's FREE (although that is AWESOME)
It's NOT the fact that it's a great place to start blogging and learn about blogging (though it TOTALLY IS )
It's NOT the fact that you get great SEO (though that is SWEET)

...it's truly all the great members who constantly share and care... so for me it's the special people here who totally ROCK!!!

On a personal note, my family last week decided to take a vacation to Hawaii this summer and I was able to ask my friend Woo Hoo Sally about places to stay and again got help from the local expert (THANK YOU SALLY) - So whether it's personal or professional - Active Rain ROCKS!

P.S. Have you read Karen's Ft Worth Texas Real Estate blog? Check it out - I think you'll enjoy her humor and wisdom. Want to be totally WOWed you must read the Hawaii Relocation Blog by Sally Cheeseman.

Active Rain continues to Rock!!

Updated: It's amazing how connected we all are - I wrote this post with no knowledge of the Gift of Appreciation contest - yet experiencing it and writing about the special people that touch my life. So not sure if it fits but I know these are just 2 of the many people that have been a gift to me and I truly appreciate them!!!

Clearwater Florida Real Estate Videos just got easier with FlipVideo

Sat, 05 Apr 2008 21:56:54 -0500

Clearwater Florida - Well after catching wind of the recent Active Rain video contest I couldn't wait for my new FlipVIdeo to arrive.

Today the UPS man made my day - my new FlipVideo arrived in time for me to shoot some local Clearwater neighborhoods when showing homes to a buyer this afternoon. Check out this Clearwater Florida neighborhood near Plumb Elementary.

Note: This video was created by just plugging in the FlipVideo and using software if came with. If you are looking for easy video solutions for your business or family check this camera out!

Clearwater Florida Neighborhoods near Plumb Elementary

Keene Acres one of Clearwater's Best Neighborhoods

Keene Acres is a non-deed restricted Clearwater neighborhood of lovely homes located south of Lakeview and North of Nursery road with Keene Road to the west and Hercules to the east.

This Clearwater neighborhood is made up of mostly 3 bedroom, 2 bath, 2 car garage homes and 2 bedrooms, 2 bath 2 car garage homes. Being able to walk to the elementary school is a big draw for many home buyers. There is also a park on the corner where Hercules and Lakeview meet.

Want to see all the homes for sale in the Tampa Bay MLS

Want the latest info on Clearwater Florida Real Estate - feel free to call me at (727) 710-8035.

Cyndee and Jack Haydon, Clearwater Real Estate agents

Belloise Realty 59 Baymont Street Clearwater Beach Florida, 33767

Clearwater Home buyers - Learn the 3 things your REALTOR needs to offer you for YOUR success

Wed, 12 Mar 2008 15:49:09 -0500

Clearwater Florida - We work with lots of Clearwater homebuyers and not all of them have worked with a buyer’s agents when they have bought real estate in the past. Today we asked one of the most experienced Charlotte REALTORs (who started selling homes 30 years ago) and one of the best home buyer agents I know to share what to look for to get a good real estate agent when you’re the buyer!

Terry McDonald, a leading buyer’s agent selling Charlotte Real Estate explains the Top 3 things to look for when you’re buying a home or condo in your REALTOR :

Top 3 things to look for in a Home Buyers Agent

Loyalty
Objectivity
Competence/Knowledge

We asked Terry the following questions?
What if a Clearwater real estate agent was loyal and competent, but not objective?

Terry: “Then these home and condo buyers and sellers would only get their real estate agents opinionated advice....(read the whole interview here)

Want to start your search for Clearwater Real Estate then Search the complete Tampa Bay MLS.

By Referral Only Podcast encourages members to Join Active Rain - Welcome!

Thu, 28 Feb 2008 21:04:58 -0600

Joe Stumpf of By Referral Only works with thousand of Realtors and Mortgage professionals around the country. He is constantly sharing high quality way to attract the kind of clients we all want. He continually share proven strategies that have at least a 15 to 1 return on your investment.

I had the pleasure of spending some time (in a 1 hour interview/podcast) sharing my experiences blogging and the huge role Active Rain played in teaching me how to blog and helping me experience "real estate success" through blogging. It's ironic that the podcast would be released about 1 year after joining Active Rain myself. WOW - what a difference a year makes.

So fellow Active Rain friends, you may see lots of new faces this week in the Rain and in the By Referral Only Group - if you get a chance, say "Hi" and encourage them. Remember when you were new - a kind word and a comment were so encouraging,

To all my By Referral Only friends - Welcome! You'll find lots of helpful people here and if I can do anything to help don't hesitate to ask!

Tampa Bay Foreclosure Bus Tour

Tampa Bay Military Relocations | MacDill Air Force Air Base - Central Command

Sat, 12 Jan 2008 19:59:32 -0600

MacDill Air Force Base in Tampa Florida

Tampa Florida - So you just found out you're relocating to MacDill AFB or Central Command (Centcom).

Want to learn more about the Tampa Bay area?

We'd love to be your local military relocation resource, since we have the Clearwater Coast Guard Air Station, the largest and busiest air station, Tampa's MacDill Air Force Air Base, and Central Command right in our backyard and are experienced in helping other military families and individuals who've moved here and we can help with:

learning about local Tampa Bay neighborhoods,
info on Tampa Bay schools
moving and short term rentals,
help in buying a Tampa Bay home,
getting a VA mortgage | Home loan,
and more.

"In addition to the 6th Air Mobility Wing, MacDill Air Force Base is also home to more than 50 Mission Partners, including United States Central Command and United States Special Operations Command. The presence of these two unified commands and other Mission Partners creates a unique multi-service community at MacDill, with all branches of service represented. So although MacDill is an Air Force Base, it is also home to many soldiers, sailors and Marines." (Source: MacDill AFB)

It's easy to see why United States military personal is such a big part of our Tampa Bay communities and neighborhoods.

One of our home buyers last year had served in the military and was now a consultant and was taking college graduate courses at the University of South Florida - the great thing is we have lots of colleges and universities in the Tampa Bay area to choose from as well.

When relocating to the Tampa Bay area people either want to stay close to MacDill Airforce base which is located 8 miles south of downtown Tampa (withing about 30 minutes) or some are willing to commute a little further to be closer to our Tampa beaches since the commute may 45 mins - 1hr but the tropical lifestyle is hard to beat - either way we can help!

Moving to Tampa | St Petersburg | Clearwater Florida -Working at MacDill AFB

If you are looking for Tampa Bay neighborhoods closer to MacDill you may want to consider neighborhoods in Clearwater, St Petersburg, Westchase, Brandon, Valrico, Riverview, South Tampa and Port of Tampa.

The great news is there are lots of Tampa real estate bargains right now and because we are still in a buyer's market you can find great values on homes under $200,000 in Brandon, Valrico, Clearwater and St Petersburg and even the higher priced, high demand area of South Tampa has buyers negotiating deals on these craftsman style homes with the finest detail throughout. These are all easy commutes to the Tampa International Airport as well.

If you're relocating and want to look at Tampa Bay homes you can find great options in along Tampa Bay in St Petersburg, Apollo Beach and on Davis Island.

Tampa Bay Public School Choices

In both Hillsborough county and Pinellas County we have "School Choice" so check out the info on local schools here:

Buying a Tampa Bay Home using a VA Mortagage

We are experienced in helping our clients buy homes with VA mortgages. We also work with experienced Tampa lenders that can help you get an FHA loan, as well as conventional loans. See what one of our recent veteran home buyers says about Buying a Home with a VA loan.

Tampa Clearwater VA Loan | Understanding Qualifying Ratios

Understanding Tampa Bay Florida Property Taxes

When we help military families moving to Tampa Bay they often ask what will my property taxes be? This is because we calculate property taxes differently than other parts of the country so here are 2 article that will explain our current Florida Property Taxes.

Tampa Real Estate - Homes Townhomes Condos for Sale

Are you looking to buy a Clearwater Home or Tampa Real Estate where you can enjoy our golf courses, beaches or boating? Here's what some of our past clients have to say about how we helped them....

** CLICK ON PHOTOS BELOW TO SEE CLIENT VIDEO TESTIMONIALS **

Buyers tell us that selecting the best Tampa Real Estate Agent, online or from a distance, can be a challenge. Some of our past clients agreed to share their experiences and tell you why they think you should work with us.

Click on the photos below and meet some of our clients and now friends...we'd love to be YOUR choice too!

Want more info, click to Search all the homes and condos for sale in the Tampa Bay MLS!

Looking for Real Estate in Tampa Florida or Waterfront Condos on Tampa Beaches - Give us a Call. (727) 422-8901.

The above information and images are Copyright © 2007 Jack and Cyndee Haydon, REALTORS and your Clearwater Beach Real Estate Consultants and may not be copied, reproduced, distributed, transmitted, displayed or published. All rights reserved. Plagiarism will be detected and is punishable by law.

Q: A:	How much is the tax credit? The tax credit would be $8,000 or 10% of the purchase price, whichever is less.
Q: A:	Who is eligible? Similar to the $7,500 tax credit included in the Housing and Economic Recovery Act of 2008, the $8,000 tax credit (included in the 2009 economic stimulus plan) is available for the purchase of the primary residence by first-time homebuyers.
Q: A:	If this is for first-time homebuyers, how do I know if I am eligible for the tax credit? According to the IRS, any taxpayer who has not owned a home during the 3 years prior to the date of purchase can qualify for the credit.
Q: A:	Do I have to repay the $8,000.? No. Unlike the previous $7,500 tax credit, the $8,000. does not have to be repaid UNLESS, the home is sold within three years of purchase; at that time, the credit will be reversed.
Q: A:	Are there any income limitations on the tax credit? Yes. The tax credit is strictly for individuals with adjusted gross income of under $75,000 or $150,000 for joint filers.