Melinda's Blog

Crystal River named among top 10 best places to snorkel.

Melinda Barry (ERA Suncoast Realty) — Thu, 30 Jul 2009 11:34:06 -0500

Recently an article was posted in our local paper naming Crystal River as one of the top 10 places to snorkel.

In the past few weeks I have had the opportunity to enjoy some of the natural resources we have to offer in our fine county(Citrus County) such as scalloping, snorkeling, Three sisters springs and in the not so distant future the Rainbow River.

It has given me great peace and contentment to know that I have chosen such a wonderful place to live, raise a family, watch my grand kids grow and help people find their dream homes.

Click below to view the whole article:

http://www.chronicleonline.com/cgi-bin/c2.cgi?071+article+News+2009072122050071071017

Maybe I can help you buy your dream home in our County and you will be enjoy the little peace of heaven we get to enjoy everyday!

Scalloping off the Nature Coast

Melinda Barry (ERA Suncoast Realty) — Thu, 30 Jul 2009 11:23:57 -0500

Scalloping off the Nature Coast

by Melinda Barry

A few years ago some friends of mine asked if they could use our nature coast home as a jumping off point for their scalloping adventure. The good hostess that I am I said "Sure! It would be great to spend a day out on the water." At the time I had no idea what I was getting myself into because I had never had the experience of scalloping and really didn't know what to expect.

So early on the day of our departure, we loaded up the boat, and set off for the boat ramp on the Homosassa River. Once we launched the boat it took us approximately twenty minutes to get out to where we would first try our hands at the art of scalloping. Being the natural chicken that I am, I proudly stated that I had no problem staying top side to shuck the little suckers. My friends could all have fun snorkeling for the coveted shells. From experience, I figured that shucking scallops couldn't be much different than shucking oysters. I would be a pro at separating out the little yummy hunks of muscle, and the not so yummy gelatinous goop, from the curvaceous scallop shells. Wow, was I wrong. It really takes knack and know-how. However, once you get the hang of it, it is very satisfying to see the bucket fill with miniature morsels of sweet scallop meat. Also, a tired snorkeler frequently came topside to rest and to help me with my shucking duty. The scallops came aboard faster than we could pop them from their aquatic homes.

I was coaxed several times to join the crew of divers, but each time I said "Oh no, thank you. I'm fine right here under the Bimini top." That was my easy excuse, since I am fair skinned and burn easily even with the highest SPF applied over and over again. I especially didn't want to join my fellow boaters because the jellyfish were overly abundant. Each person in the water felt the eerie brush of tentacles on flesh as the jellyfish floated by peacefully. Peaceful or not, I had no desire to enter the depths of the unknown waters we were floating in.

Finally, as the day rolled on and the number of jellyfish actually subsided, I became brave and said I wanted to enter the water to cool off. Well, that was all it took for my friends to encourage me to dive for the little shells they had been gathering all day. Since my fear had somewhat subsided, I asked myself "What do I have to lose?" I borrowed fins, a mask and a snorkel and set out to find the elusive scallop. I looked and looked in the waving green sea grass that is the scallop's favorite hiding place. Then finally I saw one. Down I dove. As I reached the bottom, the scallop caught sight of me with its hundred beady blue eyes. Its shell snapped closed tightly. I picked it up and quickly swam to the surface. What a feeling of great joy and accomplishment it brought me as I shouted out "I got one! I got one!" I dropped it down in the collection bag of a fellow snorkeler and set out to find more. One by one it became easier to find them and more exciting. That was it. I was hooked! Now each year we eagerly await the arrival of our friends so we can head out on our scalloping adventure.*

*Note: scallop fishing requires a fishing license. Make sure to check all regulations about licensure and limits before embarking on your own scalloping adventure.

New and Improved!

Melinda Barry (ERA Suncoast Realty) — Tue, 07 Jul 2009 13:00:14 -0500

I have recently taken the opportunity to review and recreate my website. If you have a moment visit it at www.melbarry.com.

It has quite a bit of useful information about our are here as well real estate information.

I will be adding updates from time to time to included selling and buying tips, staging information, mortgage information etc.

You can also visit me on facebook, become a fan of my page search for me via e-mail address:

melinda.barry@era.com.

I look forward to hearing from you!

JUST REDUCED $36,000!

Melinda Barry (ERA Suncoast Realty) — Tue, 07 Jul 2009 12:54:08 -0500

Residential 334373 _Active	7802 N Fairwind Loop Hernando, FL 34442		(12)	L$343,000

Cross Street:	Lecanto Highway (491)	Area:	10
County:	Citrus	Year Built:	1997
Subdivision:	Twelve Oaks	Apx. Acres:	5.05
Beds:	3	Apx. SqFt Under Roof: 2,761
Baths:	2	Apx. Liv. SqFt:	1,762
Waterfront:	No	Sec/Twp/Rng:	25/ 17/ 19
Waterfront Ft:		Alt Key:	1575273
Private Pool:	No	Garage:	2 Car Attached Garage , Drive - Unpaved , Hangar
Apx. Lot Size:	400 x 550

Public Rems:	Beautiful Country Style Home in Gated Fly-in Community. Home is nestled amongst the oaks of these 5 acres & faces the 2,655 ft lighted/irrigated turf airstrip. The great room is open, airy & inviting with its vaulted ceilings & Cupola. Screened front/back porches. Wooded/private & surrounded by state parks. 50 x 45 hangar with 40 ft door, 220 volts and air compressor. Easy commute to MCO or TPA.
Directions:	From 19 take 44 E, L on 491, to SR 200, community on L just before 200.

Approximate Room Dimensions

Living Rm:	X	MBR:	17 X 15	Den:	X	Screen Porch:	28 X 10
Great Room:	21 X 19	BR 2:	16 X 9	Florida Room:	X	Lanai:	34 X 12
Dining Room:	15 X 14	BR 3:	13 X 9	Laundry:	X	Extra Rm 1:	X
Kitchen:	12 X 10	BR 4:	X	Garage:	21 X 20	Extra Rm 2:	X
Family Room:	X	Office:	X	Workshop:	50 X 45	Extra Rm 3:	X

Features

Waterfront:
Int Features:	Blinds , Book Case(s) , Ceiling - Cathedral , Counters - Laminate , Fireplace - Wood , Formal Dining Room , Great Room , Lanai , Open Floor Plan , Pull Down Stairs , Split Floor Plan , Walk-In Closet(s) , Window Treatment(s) , Wood Cabinets
Ext Features:	Door - Dbl. Entry , Lanai , Landscape - Partial , Lawn Sprinklers , Porch - Screened , Shed/Utility Bldg , Window - Dual Pane , Window - Sgl. Hung , Other See Remarks
Appliances:	Dishwasher , Dryer , Laundry Tub , Oven - Range , Refrigerator , Washer
Special Info:	Aerial Photo , HOA Disclosure , Horses Allowed , Pets Allowed , Restrictions , Seller Prop Disclosure , Sold As Is

Master BR/BA:	1 Master Suite , Shower Only , Walk-In Closet(s)	Rear Expo:	N
Style:	Ranch	Roof:	Metal
Heat/Cool:	Cool - Central Electric , Heat - Heat Pump	Floor:	Carpet , Ceramic Tile
Road Type:	Paved , Private	Sew/Water:	Sewer - Septic Private , Water - Private Well
Pool Type:	None	Energy Feat:	Programmable Thermostat
Const/Found:	Frame , Vinyl Siding	Lot Desc:	Acreage , Room for Pool , Wooded , Other See Remarks
Comm Amen:	None , Other See Remarks	Possession:	At Close
Restrictions:	Other See Remarks	Terms Avail:	Cash , Conventional

Taxes:	$ 4,844.10	Tax Year:	2008	Homestead:	Yes	Flood Plain:	No
HOA/COA:	Yes	Monthly Dues:	$0	Yearly Dues:	$500	Land Use:	CLR
Elementary:	Central Ridge	Middle:	Citrus Springs	High:	Citrus	Agent Owned:	No

Legal:	Twelve Oak Air Estates see alt key #1575273

		Prepared by: Melinda Barry	Email : melinda.barry@era.com
ERA Suncoast Realty - CR	Off. Ph# : (352) 795-6811
1206 SE Highway 19	Agt. Ph# : (352) 795-6811
Crystal River, FL 34429	Cell Ph# : (352) 212-3773
	www.melbarry.com

Photo Gallery MLS# 334373A

Front of Home	Front of Home view 2
Rear of Home	50 x 45 Hangar
Front Screened Porch	Airstrip

- - - - Information herein deemed reliable but not guaranteed - - - -

REALTORS ® Association of Citrus County, Inc.

07/07/2009 01:52 PM

Photo Gallery MLS# 334373A

Aerial	Dining Room
Great Room	Kitchen
Master Bedroom	Back Screened Porch

- - - - Information herein deemed reliable but not guaranteed - - - -

REALTORS ® Association of Citrus County, Inc.

07/07/2009 01:52 PM

Citrus County Florida

Melinda Barry (ERA Suncoast Realty) — Tue, 07 Jul 2009 12:49:23 -0500

This is the latest local statistics concerning the real estate market in Citrus County . National statistics are interesting but, are as useful as a national weather report. Look for this to be updated the 2^nd week of each month. The statistics will reflect the last month's activity only in Citrus County . To make comments, suggestions or to be removed from the list, please e-mail me. You may also comment on the Facebook group page, ERA American & Suncoast Realty of Citrus County or search me on Facebook.

6 Month

Category JUNE Last Month Change Trend_____

Residential Inventory 2697 2696 +1 Decreasing

Residential Sales/Month 147 155 -8 Steady

Months of Inventory 18.4 17.4 +1 Steady

Ave. HOME Sales Price $143,947 $139,323 +4,624 Steady

30 Yr Fixed Rate 0 points 5.42% 5.29% +.13% Steady

Vacant Land Inventory 2471 2573 -102 Decreasing

Terms: Residential includes Homes, Condos and Mobile Homes. Sources of information may vary and are deemed reliable but not guaranteed. Average sales price is for homes only, excludes condos and mobiles.

Overall: MARKET BOUNCING AT OR NEAR BOTTOM

Comments: Interest rates held steady after the sharp rise last month and home inventories did the same. The rise in average sale price is a 2 month bright spot but not a trend yet. The market was nearly flat in all other areas this past month. The top end market remains severely depressed. Of the 133 single family homes sold in Citrus County 101 of them were under $160,000. The last 2-3 months show promise, however, the year over year numbers for home sales and average price are not positive, with units down 6.8% and average home sales price off 19.8%.

Outlook: Reading the "tea leaves" is difficult with so much large sweeping new or proposed government spending, regulation and incentives affecting the market place every few weeks. The uncertain conditions in addition to rising unemployment work to hold demand back. Long term buyers (2-3+ years) and first time home purchasers should buy now to capture the selection, pricing and incentives and low interest rates that will dissipate when a recovery becomes clear.

Watch: CAP & TRADE bill passed by the house and going to the senate. It has far reaching affects on the home market. Rumor has it (can't find a written copy) that homes will need to be inspected and updated to federal energy efficiency standards prior to a sale. If true, this would decrease home sales measurably.

Just Listed!

Melinda Barry (ERA Suncoast Realty) — Wed, 10 Jun 2009 11:29:13 -0500

Residential 334373 _Active	7802 N Fairwind Loop Hernando, FL 34442		(12)	L$379,000

Cross Street:	Lecanto Highway (491)	Area:	10
County:	Citrus	Year Built:	1997
Subdivision:	Twelve Oaks	Apx. Acres:	5.05
Beds:	3	Apx. SqFt Under Roof: 2,761
Baths:	2	Apx. Liv. SqFt:	1,762
Waterfront:	No	Sec/Twp/Rng:	25/ 17/ 19
Waterfront Ft:		Alt Key:	1575273
Private Pool:	No	Garage:	2 Car Attached Garage , Drive - Unpaved , Hangar
Apx. Lot Size:	400 x 550

Public Rems:	Beautiful Country Style Home in Gated Fly-in Community. Home is nestled amongst the oaks of these 5 acres & faces the 2,655 ft lighted/irrigated turf airstrip. The great room is open, airy & inviting with its vaulted ceilings & Cupola. Screened front/back porches. Wooded/private & surrounded by state parks. 50 x 45 hangar with 40 ft door, 220 volts and air compressor. Easy commute to MCO or TPA.
Directions:	From 19 take 44 E, L on 491, to SR 200, community on L just before 200.

Approximate Room Dimensions

Living Rm:	X	MBR:	17 X 15	Den:	X	Screen Porch:	28 X 10
Great Room:	21 X 19	BR 2:	16 X 9	Florida Room:	X	Lanai:	34 X 12
Dining Room:	15 X 14	BR 3:	13 X 9	Laundry:	X	Extra Rm 1:	X
Kitchen:	12 X 10	BR 4:	X	Garage:	21 X 20	Extra Rm 2:	X
Family Room:	X	Office:	X	Workshop:	50 X 45	Extra Rm 3:	X

Features

Waterfront:
Int Features:	Blinds , Book Case(s) , Ceiling - Cathedral , Counters - Laminate , Fireplace - Wood , Formal Dining Room , Great Room , Lanai , Open Floor Plan , Pull Down Stairs , Split Floor Plan , Walk-In Closet(s) , Window Treatment(s) , Wood Cabinets
Ext Features:	Door - Dbl. Entry , Lanai , Landscape - Partial , Lawn Sprinklers , Porch - Screened , Shed/Utility Bldg , Window - Dual Pane , Window - Sgl. Hung , Other See Remarks
Appliances:	Dishwasher , Dryer , Laundry Tub , Oven - Range , Refrigerator , Washer
Special Info:	Aerial Photo , HOA Disclosure , Horses Allowed , Pets Allowed , Restrictions , Seller Prop Disclosure , Sold As Is

Master BR/BA:	1 Master Suite , Shower Only , Walk-In Closet(s)	Rear Expo:	N
Style:	Ranch	Roof:	Metal
Heat/Cool:	Cool - Central Electric , Heat - Heat Pump	Floor:	Carpet , Ceramic Tile
Road Type:	Paved , Private	Sew/Water:	Sewer - Septic Private , Water - Private Well
Pool Type:	None	Energy Feat:	Programmable Thermostat
Const/Found:	Frame , Vinyl Siding	Lot Desc:	Acreage , Room for Pool , Wooded , Other See Remarks
Comm Amen:	None , Other See Remarks	Possession:	At Close
Restrictions:	Other See Remarks	Terms Avail:	Cash , Conventional

Taxes:	$ 4,844.10	Tax Year:	2008	Homestead:	Yes	Flood Plain:	No
HOA/COA:	Yes	Monthly Dues:	$0	Yearly Dues:	$500	Land Use:	CLR
Elementary:	Central Ridge	Middle:	Citrus Springs	High:	Citrus	Agent Owned:	No

Legal:	Twelve Oak Air Estates see alt key #1575273

		Prepared by: Melinda Barry	Email : melinda.barry@era.com
ERA Suncoast Realty - CR	Off. Ph# : (352) 795-6811
1206 SE Highway 19	Agt. Ph# : (352) 795-6811
Crystal River, FL 34429	Cell Ph# : (352) 212-3773
	www.melbarry.com

Photo Gallery MLS# 334373A

Front of Home	Front of Home view 2
Rear of Home	50 x 45 Hangar
Front Screened Porch	Airstrip

- - - - Information herein deemed reliable but not guaranteed - - - -

REALTORS ® Association of Citrus County, Inc.

06/10/2009 12:24 PM

Photo Gallery MLS# 334373A

Aerial	Dining Room
Great Room	Kitchen
Master Bedroom	Back Screened Porch

- - - - Information herein deemed reliable but not guaranteed - - - -

REALTORS ® Association of Citrus County, Inc.

06/10/2009 12:24 PM

FIRST-TIME HOMEBUYER TAX CREDIT

Melinda Barry (ERA Suncoast Realty) — Thu, 05 Mar 2009 11:27:25 -0600

FIRST-TIME HOMEBUYER TAX CREDIT

Frequently Asked Questions

In 2008, Congress enacted a $7500 tax credit designed to be an incentive for first-time homebuyers to purchase a home. The credit was designed as a mechanism to decrease the over-supply of homes for sale.

For 2009, Congress has increased the credit to $8000 and made several additional improvements. This revised $8000 tax credit applies to purchases on or after January 1, 2009 and before December 1, 2009.

Tax Credits -- The Basics

What's this new homebuyer tax incentive for 2009?

The 2008 $7500, repayable credit is increased to $8000 and the repayment feature is eliminated for 2009 purchasers. Any home that is purchased for $80,000 or more qualifies for the full $8000 amount. If the house costs less than $80,000, the credit will be 10% of the cost. Thus, if an individual purchased a home for $75,000, the credit would be $7500. It is available for the purchase of a principal residence on or after January 1, 2009 and before December 1, 2009.

Who is eligible?

Only first-time homebuyers are eligible. A person is considered a first-time buyer if he/she has not had any ownership interest in a home in the three years previous to the day of the 2009 purchase.

How does a tax credit work?

Every dollar of a tax credit reduces income taxes by a dollar. Credits are claimed on an individual's income tax return. Thus, a qualified purchaser would figure out all the income items and exemptions and make all the calculations required to figure out his/her total tax due. Then, once the total tax owed has been computed, tax credits are applied to reduce the total tax bill. So, if before taking any credits on a tax return a person has total tax liability of $9500, an $8000 credit would wipe out all but $1500 of the tax due. ($9,500 - $8000 = $1500)

So what happens if the purchaser is eligible for an $8000 credit but their entire income tax liability for the year is only $6000?

This tax credit is what's called "refundable" credit. Thus, if the eligible purchaser's total tax liability was $6000, the IRS would send the purchaser a check for $2000. The refundable amount is the difference between $8000 credit amount and the amount of tax liability. ($8000 - $6000 = $2000) Most taxpayers determine their tax liability by referring to tables that the IRS prepares each year.

How does withholding affect my tax credit and my refund?

A few examples are provided at the end of this document. There are several steps in this calculation, but most income tax software programs are equipped to make that determination.

Is there an income restriction?

Yes. The income restriction is based on the tax filing status the purchaser claims when filing his/her income tax return. Individuals filing Form 1040 as Single (or Head of Household) are eligible for the credit if their income is no more than $75,000. Married couples who file a Joint return may have income of no more than $150,000.

How is my "income" determined?

For most individuals, income is defined and calculated in the same manner as their Adjusted Gross Income (AGI) on their 1040 income tax return. AGI includes items like wages, salaries, interest and dividends, pension and retirement earnings, rental income and a host of other elements. AGI is the final number that appears on the bottom line of the front page of an IRS Form 1040.

What if I worked abroad for part of the year?

Some individuals have earned income and/or receive housing allowances while working outside the US. Their income will be adjusted to reflect those items to measure Modified Adjusted Gross Income (MAGI). Their eligibility for the credit will be based on their MAGI.

Do individuals with incomes higher than the $75,000 or $150,000 limits lose all the benefit of the credit?

Not always. The credit phases-out between $75,000 - $95,000 for singles and $150,000 - $170,000 for married filing joint. The closer a buyer comes to the maximum phase-out amount, the smaller the credit will be. The law provides a formula to gradually withdraw the credit. Thus, the credit will disappear after an individual's income reaches $95,000 (single return) or $170,000 (joint return).

For example, if a married couple had income of $165,000, their credit would be reduced by 75% as shown:

Couple's income $165,000

Income limit 150,000
Excess income $15,000

The excess income amount ($15,000 in this example) is used to form a fraction. The numerator of the fraction is the excess income amount ($15,000). The denominator is $20,000 (specified by the statute).

In this example, the disallowed portion of the credit is 75% of $8000, or $6000

($15,000/$20,000 = 75% x $8000 = $6000)

Stated another way, only 25% of the credit amount would be allowed.

In this example, the allowable credit would be $2000 (25% x $8000 = $2000)

What's the definition of "principal residence?"

Generally, a principal residence is the home where an individual spends most of his/her time (generally defined as more than 50%). It is also defined as "owner-occupied" housing. The term includes single-family detached housing, condos or co-ops, townhouses or any similar type of new or existing dwelling. Even some houseboats or manufactured homes count as principal residences.

Are there restrictions on the location of the property?

Yes. The home must be located in the United States. Property located outside the US is not eligible for the credit.

Are there restrictions related to the financing for the mortgage on the property?

In 2009, most financing arrangements are acceptable and will not affect eligibility for the credit. Congress eliminated the financing restriction that applied in 2008. (In 2008, purchasers were ineligible for the $7500 credit if the financing was obtained by means of mortgage revenue bonds.) Now, mortgage-revenue bond financing will not disqualify an otherwise-eligible purchaser. (Mortgage revenue bonds are tax-exempt bonds issued by a state housing agency. Proceeds from the bonds must be used for below market loans to qualified buyers.)

Do I have to repay the 2009 tax credit?

NO.
There is no repayment for 2009 tax credits.

Do 2008 purchasers still have to repay their tax credit?

YES.
The $7500 credit in 2008 was more like an interest-free loan. All eligible purchasers who claimed the 2008 credit will still be required to repay it over 15 years, starting with their 2010 tax return.
Some Practical Questions

How do I apply for the credit?

There is no pre-purchase authorization, application or similar approval process. All eligible purchasers simply claim the credit on their IRS Form 1040 tax return. The credit will be reflected on a new Form 5405 that will be attached to the 1040. Form 5405 can be found at www.irs.gov.

So I can't use the credit amount as part of my downpayment?

No. Congress tried hard to devise a mechanism that would make the funds available for closing costs, but found that pre-funding would require cumbersome processes that would, in effect, bring the IRS into the purchase and settlement phase of the transaction.

So there's no way to get any cash flow benefits before I file my tax return?

Yes, there is. Any first-time homebuyers who believe they are eligible for all or part of the credit can modify their income tax withholding (through their employers) or adjust their quarterly estimated tax payments. Individuals subject to income tax withholding would get an IRS Form W-4 from their employer, follow the instructions on the schedules provided and give the completed Form W-4 back to the employer. In many cases their withholding would decrease and their take-home pay would increase. Those who make estimated tax payments would make similar adjustments.

Some "Real World" Examples

What if I purchase later this year but can't get to settlement before December 1?

The credit is available for purchases before December 1, 2009. A home is considered as "purchased" when all events have occurred that transfer the title from the seller to the new purchaser. Thus, closings must occur before December 1, 2009 for purchases to be eligible for the credit.

I haven't even filed my 2008 tax return yet. If I buy in 2009, do I have to wait until next year to get the benefit of the credit?

You'll have a helpful choice that might speed up the process. Eligible homebuyers who make their purchase between January 1, 2009 and December 1, 2009 can treat the purchase as if it had occurred on December 31, 2008. Thus, they can claim the credit on their 2008 tax return that is due on April 15, 2009. They actually have three filing options.

If they purchase between January 1, 2009 and April 15, 2009, they can claim the $8000 credit on the 2008 return due on April 15.

They can extend their 2008 income-tax filing until as late as October 15, 2009. (The IRS grants automatic extensions, but the taxpayer must file for the extension. See www.irs.gov for instructions on how to obtain an extension.)

If they have filed their 2008 return before they purchase the home, they may file an amended 2008 tax return on Form 1040X. (Form 1040X is available at www.irs.gov)

Of course, 2009 purchasers will always have the option of claiming the credit for the 2009 purchase on their 2009 return. Their 2009 tax return is due on April 15, 2010.

I purchased my home in early 2009 before the stimulus bill was enacted. I claimed a $7500 tax credit on my 2008 return as prior law had permitted. Am I restricted to just a $7500 credit?

No, you would qualify for the $8000 credit. Eligible purchasers who have already claimed the $7500 credit on a 2008 return for a 2009 purchase may file an amended return (IRS Form 1040X) for the 2008 tax year. This amended return will enable them to obtain the additional $500 credit amount.

If I claim my 2009 $8000 credit on my 2008 tax return, will I have to repay the credit just as the 2008 credits are repaid?

No. Congress anticipated this confusion and has made specific provision so that there would be no repayment of 2009 credits that are claimed on 2008 returns.

I made an eligible purchase of a principal residence in May 2008 and claimed the $7500 credit on my 2008 tax return. My brother, who has never owned a home, wishes to purchase a partial interest in the home this spring and move in. Will he qualify for the $8000 credit, as well?

No. Any purchase of a principal residence (or interest in a principal residence) from a related party such as a sibling, parent, grandparent, aunt or uncle is ineligible for the tax credit. Since you and your brother are related in this way, he cannot qualify for the credit on any portion of the home that he purchases from you, even if he is a first-time homebuyer.

I live in the District of Columbia. If I qualify as a first-time homebuyer, can I use both the $5000 DC credit and the $8000 credit?

No; double dipping is not allowed. You would be eligible for only the $8000 credit. This will be an advantage because of the higher credit amount, plus the eligibility requirements for the $8000 credit are somewhat more easily satisfied than the DC credit.

I know there is no repayment requirement for the $8000 credit. Will I ever have to repay any of the credit back to the government?

One situation does require a recapture payment back to the government. If you claim the credit but then sell the property within 3 years of the date of purchase, you are required to pay back the full amount of any credit, including any refund you received from it. A few exceptions apply. (See below, #24). Note that this same 3-year recapture rule applies, as well, to the $7500 credit available for 2008. This provision is designed as an anti-flipping rule.

What if I die or get divorced or my property is ruined in a natural disaster within the 3 years?

The repayment rules are eased for many circumstances. If the homeowner who used the credit dies within the first three years of ownership, there is no recapture. Special rules make adjustments for people who sell homes as part of a divorce settlement, as well. Similarly, adjustments are made in the case of a home that is part of an involuntary conversion (property is destroyed in a natural disaster or subject to condemnation by eminent domain by an authorized agency) within the first three years.

I have a home under construction. Am I eligible for the credit?

Yes, so long as you actually occupy the home before December 1, 2009.

WITHHOLDING EXAMPLES:

Note: The impact of estimated tax payments would be the same.

Situation 1:

Result:
Sally's withholding satisfies her tax liability and reduces it to zero. She will receive a refund of the full $8000.
Situation 2:
Nick and Nora file a joint return. Nick is self-employed and makes estimated payments; Nora has taxes withheld from her salary. When they compute their taxes, their combined withholding and estimated tax payments are $11,000. Their income tax liability is $9800. They also qualified as first-time homebuyers and are eligible for the $8000 refundable tax credit.
Result:
Ordinarily, their combined estimated tax payments and withholding would make them eligible for a refund of $1200 ($11,000 - $9800 = $1200). Because they are eligible for the refundable tax credit as well, they will receive a refund of $9200 ($1200 income tax refund + $8000 refundable tax credit = $9200)
Situation 3
: Cesar and LuzMaria both have income taxes withheld from their salaries and file a joint return. When they file their income tax return, their combined withholding is $5000. However, their total tax liability is $7200, generating an additional income tax liability of $2200 ($7200 - $5000). They also qualify for the $8000 first-time homebuyer tax credit.
Result:
Cesar and LuzMaria have been under-withheld by $2200. Ordinarily, they would be required to pay the additional $2200 they owe (plus any applicable interest and penalties). Because they are eligible for the refundable homebuyer tax credit, the credit will cover the $2200 additional liability. In addition, they will receive an income tax refund of $5800 ($8000 - $2200 = $5800). If they owed penalties and/or interest, that amount would reduce the refund.

"As collected from Scott Shannon ERA Mortgage"
Sally plans her withholding so that her withholding is as close as possible to what she anticipates as her income tax liability for the year. When she fills out her 1040, her liability is $6000. She has had $6000 withheld from her paycheck. She also qualifies for the $8000 homebuyer credit.

Great Time to BUY!

Melinda Barry (ERA Suncoast Realty) — Thu, 15 Jan 2009 12:08:15 -0600

What a start to 2009! I'm excited about what 2009 is going to bring us all. I'm sure you know about the great new program that encourages first time home buyers to buy and receive a $7,500 tax credit. If not:

The really cool news is that if you have not owned a home in the last 3 years, this program considers you a first time home buyer. The other cool thing is the a single person can make up to $75,000 a year an still qualify and a married couple can make up to $150,000 combined. But this program has a time frame so make sure to check this out and tell everyone you know about this great program that allows them to buy a house and get a $7,500 tax credit. They must purchase between April 9 and July 1, 2009.

The website is www.federalhousingtaxcredit.com

This could really help all the first time homebuyers out there.

Need Short Sale Specialist

Melinda Barry (ERA Suncoast Realty) — Mon, 05 Jan 2009 08:07:19 -0600

I am looking for a Short Sale Specialist in the Boynton Beach, Florida area to refer a client to. Please e-mail me at melinda.barry@era.com if you are an experienced agent in this area. I need to interview several agents before referring this client.

Thank you!

JUST SOLD!

Melinda Barry (ERA Suncoast Realty) — Tue, 02 Dec 2008 13:22:32 -0600

Both under contract in just two months! The truth about the market is....there are still things selling!

Residential 328260 _Closed	588 W Barrymore Drive Beverly Hills, FL 34465	(12)	L$145,000 C$130,000
Closed Date: 12/01/2008

Cross Street:	Garbo Lane	Area:	09
County:	Citrus	Year Built:	1993
Subdivision:	Oakwood Village	Apx. Acres:	.30
Beds:	3	Apx. SqFt Under Roof: 2,174
Baths:	2	Apx. Liv. SqFt:	1,571
Waterfront:	No	Sec/Twp/Rng:	12/ 18/ 18
Waterfront Ft:		Alt Key:	2576120
Private Pool:	Yes	Garage:	2 Car Attached Garage , Drive - Concrete
Apx. Lot Size:	59 x 117

Public Rems:	Pride in Ownership shows! From the moment you view the perfectly manicured yard & park like setting of the back yard you will know this home is for you! This home has been lovingly maintained & shows like new. Open & inviting foyer leads you into the great room floor plan w/formal dining room, cozy/cute breakfast nook & large kitchen. Oversized two-car garage really holds two large vehicles. Newer appliances & seller providing a one-year home warranty as your closing gift make this a no worries investment! A must see at this price!
Directions:	From 44 & 19, take 44 E, L on 486 (Norvell Bryant Hwy), L on Forest Ridge Blvd, L on Garbo Lane, L on W Barrymore Dr, Home is on left.

Approximate Room Dimensions

Living Rm:	17 X 16	MBR:	14 X 15	Den:	X	Screen Porch:	12 X 10
Great Room:	X	BR 2:	14 X 10	Florida Room:	X	Lanai:	33 X 20
Dining Room:	11 X 7	BR 3:	12 X 11	Laundry:	5 X 5	Extra Rm 1:	X
Kitchen:	15 X 13	BR 4:	X	Garage:	20 X 24	Extra Rm 2:	X
Family Room:	X	Office:	X	Workshop:	X	Extra Rm 3:	X

Features

Waterfront:
Int Features:	Blinds , Breakfast Bar , Ceiling - Vaulted , Counters - Laminate , Decorator Lights , Eat-In Kitchen , Formal Dining Room , Inside Laundry , Lanai , Living Room , Open Floor Plan , Pantry , Plant Shelf , Split Floor Plan
Ext Features:	Entry - Multi Level , Lanai , Landscape - Full , Lawn Sprinklers , Window - Dual Pane , Window - Sgl. Hung
Appliances:	Ceiling Fan(s) , Dishwasher , Disposal , Oven - Range , Range Hood , Refrigerator , Smoke Detector(s)
Special Info:	Adelphia Cable , Brighthouse Cable , DSL , Golf Community , High Speed Internet , HOA Disclosure , Pets Allowed , Progress Energy , Restrictions , Seller Prop Disclosure , Sold As Is , Warranty - Seller Provide

Master BR/BA:	1 Master Suite , Dual Sinks , Shower Only , Walk-In Closet(s)	Rear Expo:
Style:	Ranch	Roof:	Asphalt/Fiberglass Shgl
Heat/Cool:	Cool - Central Air , Heat - Heat Pump	Floor:	Carpet , Ceramic Tile , Vinyl
Road Type:	County , Paved	Sew/Water:	Sewer - Public , Water - Public
Pool Type:	Caged , In Ground , Solar Heat	Energy Feat:	Ridge Vents
Const/Found:	Concrete Blk/Stucco	Lot Desc:	Greenbelt , Irregular
Comm Amen:	Billiard Room , Clubhouse , Exercise Room , Golf Course , Near Shopping , Play Area , Shuffleboard , Tennis Court(s)	Possession:	At Close
Restrictions:	No RVs , Other See Remarks	Terms Avail:	Cash , Conventional

Taxes:	$ 1,108.30	Tax Year:	2007	Homestead:	No	Flood Plain:	No
HOA/COA:	Yes	Monthly Dues:	$0	Yearly Dues:	$50	Land Use:	PDR
Elementary:	Forest Ridge	Middle:	Citrus Springs	High:	Lecanto	Agent Owned:	No

Legal:	OAKWOOD VILLAGE OF BEVERLY HILLS PHASE 2 PG 14 PG 15 LOT 9

		Prepared by: Melinda Barry	Email : melinda.barry@era.com
American Realty & Inv., ERA - Crystal Ri	Off. Ph# : (352) 795-3144
1675 S. Suncoast Blvd.	Agt. Ph# : (352) 795-3144
Homosassa, FL 34448	Cell Ph# : (352) 212-3773
	www.melbarry.com

Residential 326352 _Closed	14500 The St Martins River Crystal River, FL 34429	(12)	L$325,000 C$250,000
Closed Date: 10/22/2008

Cross Street:	S. John Brown Dr.	Area:	18
County:	Citrus	Year Built:	1940
Subdivision:	Not in Subdivision	Apx. Acres:	.62
Beds:	4	Apx. SqFt Under Roof: 1,534
Baths:	1.5	Apx. Liv. SqFt:	1,534
Waterfront:	Yes	Sec/Twp/Rng:	15/ 19/ 16
Waterfront Ft:	456	Alt Key:	1011710
Private Pool:	No	Garage:	Boat Parking
Apx. Lot Size:	113x79x99x91x74 Irregular

Public Rems:	Introducing Cedar Island. Imagine owning an Island retreat to entertain your guests or use as a weekend get-away. Viewing Cedar Island from a boat captures the essence of a rustic fishing cabin, but step inside this primitive cabin and get all the modern conveniences of home. A four bedroom, two bath cabin with electricity, satellite TV, and water reclaim system. This is clearly a nature lover's hideaway that will be appreciated by all whom experience this wonderful opportunity.
Directions:	Cedar Island in Crystal River. Boat access only.

Approximate Room Dimensions

Living Rm:	X	MBR:	11 X 13	Den:	X	Screen Porch:	X
Great Room:	14 X 30	BR 2:	11 X 13	Florida Room:	X	Lanai:	X
Dining Room:	X	BR 3:	10 X 11	Laundry:	X	Extra Rm 1:	10 X 11
Kitchen:	10 X 11	BR 4:	9 X 10	Garage:	X	Extra Rm 2:	X
Family Room:	X	Office:	X	Workshop:	X	Extra Rm 3:	X

Features

Waterfront:	Boat Dock , Open Water View , Riverfront
Int Features:	Blinds , Ceiling - Standard , Counters - Laminate , Eat-In Kitchen , Open Floor Plan , Window Treatment(s)
Ext Features:	Outdoor Lighting , Window - Sgl. Hung
Appliances:	Ceiling Fan(s) , Microwave , Microwave Hood , Oven - Range , Refrigerator , Satellite Dish Owned , Security System , Smoke Detector(s) , Water Heater
Special Info:	Aerial Photo , Flood Plain , Survey , Title Insurance , Withlacooche Electric

Master BR/BA:	Separate Tub/Shower	Rear Expo:	S
Style:	Cracker , Stilt	Roof:	Metal
Heat/Cool:	Cool - Central Electric , Heat - Central Electric	Floor:	Ceramic Tile , Vinyl
Road Type:		Sew/Water:	Sewer - Septic Private , Water - Other
Pool Type:		Energy Feat:
Const/Found:	Stilt , Wood Siding , Foundation - Stilt	Lot Desc:	Flat , Island , Waterfront
Comm Amen:	Boat Dock	Possession:	At Close
Restrictions:	No Restrictions	Terms Avail:	Cash

Taxes:	$ 2,674.00	Tax Year:	2007	Homestead:	No	Flood Plain:	Yes
HOA/COA:	No	Monthly Dues:	$0	Yearly Dues:	$0	Land Use:	CLRM
Elementary:		Middle:		High:		Agent Owned:	No

Legal:	That Certain Island Known As Cedar Island Located In The St. Martins River...Too Lenghty to List See Alt. Key 1011710

		Prepared by: Melinda Barry	Email : melinda.barry@era.com
American Realty & Inv., ERA - Crystal Ri	Off. Ph# : (352) 795-3144
1675 S. Suncoast Blvd.	Agt. Ph# : (352) 795-3144
Homosassa, FL 34448	Cell Ph# : (352) 212-3773
	www.melbarry.com

I've Moved!

Melinda Barry (ERA Suncoast Realty) — Tue, 02 Dec 2008 13:12:01 -0600

Wow! Something we here our customers say often. I even most times will provide them with the cards at closing to allow them to share with their family and friends the joyous occasion of purchasing their new home. However, my news comes with excitement and sadness. After careful consideration my broker decided to close the branch office I was located in. This came as a shock to some, but I feel pretty adapt to change and took on the challenge to find a new office to call home. The broker that I am employed with owns 3 other offices in the county and it was just a matter of location, location, location! Something we hear all to often.

Initially I was quite hasty in my decision to move across town to another location in our area, however I decided to go to our sister company just up the road. Owned by the same broker, same brand ERA, just a different franchise name. I'm settling in nicely and preparing for the transition. Ordering new business cards, changing signs out, new name badge, new signage for my vehicle, new marketing, letting all my customers know where I am. WHEW!!!! Alot to do and here I find myself blogging.

I just wanted to make sure that all my colleagues at active rain knew how to find me. Especially those who are referring work to me. Thanks for those referrals!

Check out some of my recent just solds....coming up in the next blog!

Mary Kay

Melinda Barry (ERA Suncoast Realty) — Tue, 25 Nov 2008 13:07:22 -0600

I am trying to help my daughter out. She is an EMT/Firefighter who has been out of work for almost a year on worker's compensation due to work related accident. She is ready to throw the towel in on her Mary Kay business and it's kind of sad because she could really benefit from the little bit of extra money she can make by selling Mary Kay. I wanted to get the word out and felt that Active rain would be a great resource for some relationships for her and thought this might be the group to post to. I don't think I have violated any active rain guidelines; but please tell me if I have and I will remove the post. If anyone is interested in ordering Mary Kay her contact information is below.

Thanks for everyone's help!

To ensure my e-mails are delivered to your inbox, please click here. Tell me more.




	I am going to be going out of business. I truly appreciate everyone who has been a great customer!! I am trying to now sell off the rest of my inventory! Please give me a call and get some of your products you would love to still have! Thanks again for being here as a loyal customer! Hope to hear from you soon! ~Love always~ Can't wait to hear from you, Debbie Vazquez (352) 212-4667 dvazquez2013@marykay.com Visit my Web site at http://www.marykay.com/dvazquez2013.




	In the U.S. in 2005, Mary Kay was the best-selling brand in the combined categories of facial skin care and color cosmetics, as well as the best-selling brand in the individual categories of facial skin care; lip color, which includes lipstick, lip gloss and lip liner; and eye makeup remover. This exciting news is based on the most recent industry sales data according to Kline & Company, Inc.'s "Cosmetics & Toiletries USA 2005" study.

	This e-mail is being sent to you by me, your Mary Kay Independent Beauty Consultant. If you prefer not to receive future e-mail updates from me, please click here. To view the Mary Kay Privacy Pledge, please visit http://www.marykay.com./privacystatement.aspx . My address is 27 N Tyler St, , Beverly Hills, FL 34465-3277.

	©2006 Mary Kay Inc.

Vote

Melinda Barry (ERA Suncoast Realty) — Fri, 03 Oct 2008 13:18:50 -0500

Are you a registered voter?

28.1 percent of the United States of age voting population are not registered to vote. We only have a few weeks left until a very important election.

This said I encourage each and every one of you to go out in the community and encourage everyone you know who is not a registered voter to register and employee their right as a United States citizen to vote and make a difference.

We all know this is a crucial year to make your vote count and make a difference. No matter who you are voting for your opinion matters.

Being the RPAC co-chair for my area has increase my awareness in how important it is to be involved because everyone can make a difference in their communities as well as the United States.

Get involved and be pro-active only you can make a difference!

Events in Crystal River

Melinda Barry (ERA Suncoast Realty) — Fri, 03 Oct 2008 12:25:47 -0500

CRYSTAL RIVER -- Oktoberfest activities will be held today and Sunday beneath the huge tent on the grounds of Plantation Inn at U.S. 19 and Fort Island Trail.

Companion events will be held at the Crystal River Mall and Crystal River Plaza.

The Oktoberfest features German food, including bratwurst, liverwurst and sauerkraut, along with chilled German beers.

A carnival midway will offer rides, and the German Oktoberfest band DeLeon will perform.

Oktoberfest hours are 11 a.m. to midnight today and noon to 5 p.m. Sunday. Admission is $1, and free for children younger than 12. The Oktoberfest is hosted by the Citrus Sertoma Club and is a fundraiser for the organization.

An arts and crafts festival also will be held at the mall today and Sunday. The works of about 45 artists will be displayed. Admission is $1. The exhibits will include Christmas and holiday items.

The arts and crafts festival is sponsored by the Crystal River Rotary Club and is a fundraiser for continuing improvements at Jim LeGrone Park, which is adjacent to the Boys and Girls site in Crystal River.

A four-day show and sale of recreational vehicles, boats and hunting and fishing equipment will also be at Crystal River Plaza, which is on U.S. 19 across from the airport.

The Oktoberfest Sportsman Showcase will be from 9 a.m. to sundown today through Monday. A large selection of RVs and boats will be shown to the public. The RV show is sponsored by the Kings Bay Rotary Club of Crystal River.

34th Annual Homosassa Seafood Festival

Melinda Barry (ERA Suncoast Realty) — Wed, 01 Oct 2008 13:27:03 -0500

HOMOSASSA ARTS, CRAFTS, & SEAFOOD FESTIVAL

Start Date:	11/8/2008
End Date:	11/9/2008
Times:	8 AM - 5 PM

Description:
Hours: Saturday 8:30 - 5:00 pm, Sunday 8:30 - 4:30 pm

Location: Corner of Yulee Drive and Mason Creek Rd in Old Homosassa, FL

Cost: $2.00 -- 12 and under free
All proceeds go to charity

Visit a rustic river town for a delightful weekend. Old Homosassa will come alive for the 34th Annual Homosassa Arts, Crafts & Seafood Festival sponsored by the Homosassa Civic Club. Juried art shows, exhibits and holiday gifts. Southern delicacies, fresh seafood and arts and crafts booths.

Click here http://www.homosassaseafoodfestival.com/

to visit their website for additional information.

RPAC

Melinda Barry (ERA Suncoast Realty) — Fri, 19 Sep 2008 12:12:34 -0500

Vacation

Melinda Barry (ERA Suncoast Realty) — Tue, 10 Jun 2008 06:42:01 -0500

Good Morning fellow Active Rainers:

Took some time to vacation in sunny south Florida, but not without bringing my work with me. I had to look up a sister ERA company yesterday to fax a document to a bank. It was very interesting experience.

Let's just say I'm not ready to complain about our slump in the market anymore. I asked agents of course how business in Miami has been and got a pretty usual answer. "Nothing is selling". So they asked me the same question and I told them that things in our area seem to be picking up. I am currently negoiating several contracts and have several closings scheduled for next month. Wow...wrong thing to say!

Heads popped up from every cubicle in the building like tiny moles coming out of the ground to see what was going on and several folks shot arrows from their eyes at me. So the only thing I could say is we all know it will get better for everyone soon enough.

I think it's important to keep a positive attitude, educate our sellers about the current market conditions, and of course don't take overpriced listings!

All that said....it's good to be back in my old stomping grounds and take some time for myself.

I hope everyone has a great day today in Real Estate!

How do you get buyers off the fence in this market?!

Melinda Barry (ERA Suncoast Realty) — Fri, 06 Jun 2008 06:01:55 -0500

How do you make buyers see the value? Lately it seems all that buyers want are the bargains. In my area especially, it is can you send me all the foreclosures or short sales.

I have tried to explain to buyers that A)these are not the only bargains and B)they have to be patient and prepared when dealing with foreclosures and short sales.

Most typical buyers do not understand that when dealing with banks....we as professionals have little to no control over the transaction. The banks will make decisions when they are ready to and will set the value of the home as they see fit by BPO's and appraisals.

I recently had an offer come across my desk for one of my listings that is priced right, maintained and the buyer offered almost $40,000 less than the asking price. He listed some items of concern...which were mainly minor cosmetic issues that actually were like that when the seller purchased the home (because I sold it to him and remember). The seller didn't purchase the property in the BOOM and actually has it priced under what he paid for it due to the current market conditions (not a short sale because he paid cash). The buyer was only willing to come up $15,000 on his offer so we didn't have a meeting of the minds.

The other agent on the deal has her hands full with this one and has actually challenged the buyer to go out and price a vacant piece of land, add well, electric, septic and impact fees and purchase a new mobile home and get back to her with the cost.

I have previewed almost every mobile in this market in this price range and mine is one of the top five listings in the market. So I also told her when it fell apart(not that she didn't already know this because she has shown him everything), let him go buy what's out there for his price range and it's pretty much a dumpy, crappy, single wide. Keep in mind he is purchasing this property for his elderly mother who is relocating from New York.

Wow can you feel the love there! So share your ideas of how to get buyers off the fence and quit looking for that bargain, that desperate seller who will take nothing for something!

~Pre-Inspected~Great Price~New Listing~

Melinda Barry (ERA Suncoast Realty) — Wed, 04 Jun 2008 15:22:06 -0500


$50,000
19849 SE 110th Ave, Inglis

Cross Street:	Hwy 40	Garage:	X
County:	Levy	Area:	02
Subdivision:	Graceland Shores	Year Built:	1998
Beds:	3	Apx. Acres:	.25
Baths:	2	Apx. SqFt Under Roof: 896
Waterfront:	No	Apx. Liv. SqFt:	864
Waterfront Ft:		Sec/Twp/Rng:	34/ 16/ 17
Private Pool:	No	Alt Key:	157510
Apx. Lot Size:	80 x 136.8 x 80 x 134.8	MLS:	322923

Waterfront:
Interior Features:	Blinds , Eat-In Kitchen , Inside Laundry , Living Room , Pantry , Split Floor Plan
Exterior Features:	Entry - Ground Level , Fence - Partial
Appliances:	Dryer , Microwave , Oven - Range , Refrigerator , Satellite Dish Owned , Washer , Water Heater

Public Remarks:	PRE-INSPECTED! Fantastic Furnished Vacation Retreat, Winter or Starter Home. Located North side of Lake Rousseau and the Withlacoochee River and it's fantastic Bass fishing. Perfect escape home for someone looking to live close to the water, about 500 yards away, but without the waterfront property cost. 5.3 miles East of Inglis-about a block and a half off of Hwy 40. 10 minuites or less to Gulf of Mexico access. Fenced on two sides. Flat and level grassed yard with gravel drive/parking area. Contact us today about this great bargain!!

Directions:	From Inglis, go East on Hwy 40 toward Dunnellon 5.3 miles, turn R on SE 110th Ave (look for sign for Bubba's), 4th home on L, look for our sign. On Citrus County lockbox.

Prepared by: Melinda Barry		Email : melinda.barry@era.com
American Realty & Inv., ERA - Crystal Ri		Off. Ph# : (352) 795-3144
1675 S. Suncoast Blvd.		Agt. Ph# : (352) 795-3144
Homosassa, FL 34448		Cell Ph# : (352) 212-3773
	www.melbarry.com

- - - - Information herein deemed reliable but not guaranteed - - - -
Copyright 2006 REALTORS ® Association of Citrus County, Inc 06/04/2008 04:14 PM

$7900 PRICE REDUCTION!

Melinda Barry (ERA Suncoast Realty) — Wed, 04 Jun 2008 15:13:57 -0500


$65,000
5710 S JOHN DALE PT, Homosassa

Cross Street:	W Meadow Street	Garage:	X
County:	Citrus	Area:	21
Subdivision:	Green Acres	Year Built:	1990
Beds:	4	Apx. Acres:	.53
Baths:	2	Apx. SqFt Under Roof: 1,620
Waterfront:	No	Apx. Liv. SqFt:	1,620
Waterfront Ft:		Sec/Twp/Rng:	31/ 19/ 18
Private Pool:	No	Alt Key:	2698101
Apx. Lot Size:	159 x 147	MLS:	322836

Waterfront:
Interior Features:	Blinds , Ceiling - Vaulted , Counters - Laminate , Eat-In Kitchen , Family Room , Inside Laundry , Living Room , Open Floor Plan , Split Floor Plan , Walk-In Closet(s)
Exterior Features:	Fenced Yard , Window - Sgl. Hung
Appliances:	Ceiling Fan(s) , Dishwasher , Dryer , Oven - Range , Refrigerator , Washer

Public Remarks:	A little TLC is all it would take to make this a perfect home. Spacious living area is great for entertaining. The large front deck is very inviting and makes for a great place to relax when the day is done. Seller never lived in the property and is selling "AS-IS" with the right to inspect. Property was previously used as a rental only. Refrigerator, stove, washer and dryer all just 2 years old. Seller providing one year home warranty.

Directions:	S on 19, L W Village Dr to stop sign, R W Village Dr, R W Sasser St, R S Bob White Dr, L W Chablis Ln, L W Meadow St, R S John Dale Pt, first home on R

Prepared by: Melinda Barry		Email : melinda.barry@era.com
American Realty & Inv., ERA - Crystal Ri		Off. Ph# : (352) 795-3144
1675 S. Suncoast Blvd.		Agt. Ph# : (352) 795-3144
Homosassa, FL 34448		Cell Ph# : (352) 212-3773
	www.melbarry.com

- - - - Information herein deemed reliable but not guaranteed - - - -
Copyright 2006 REALTORS ® Association of Citrus County, Inc 06/04/2008 04:12 PM

Safety First!

Melinda Barry (ERA Suncoast Realty) — Sat, 31 May 2008 14:09:20 -0500

I am always harping on safety!! I had a new experience with a client yesterday at a home that I had been warned by the listing agent might be a little unsafe. You know be careful as you walk in the floor is a little soft kind of warning. Not the OMG that we actually got when we were there.

There were two houses side by side. The first house had begun to have repairs done to it and was the first one we previewed. Both homes were vacant on lockbox. I had a very difficult time getting the door open and after really putting my weight into it managed to get the door open.

To my surprise the kitchen door was wide open and appeared to have been pried open because I could hardly get the dead bolt to work. So I began the whole yelling "Hello" process "Anyone Home"...no answer. We looked at the house secured it and walked to the second home (right next door).

I didn't have the listing sheet in my hand and couldn't remember where the listing agent had said the lockbox was so we walked around the front (through knee high grass..etc...) no lockbox. I kept telling the client I remembered something about it being on the back door so we walked around back and there it was. Although not necessary due to the fact the door was again open. I tested the floor carefully with my foot and began the whole yelling process again as my client kind of pushed past me. She didn't see the butcher knife at the door.

I began to get the serious creeps and after looking through the whole house was really creeped out. It was a disaster. There were things written out on the walls in what looked like toothpaste, vanity mirrors hanging off walls, plywood covering holes in the floor, major cobwebs, belongings everywhere, glass shattered, the master bath which had been updated was literally falling through the floor to the outside and that's when I noticed it.....a "crack pipe" with residue. I looked at my client and said we are out of here.

I guess the moral of this story is.....if the hair stands up on the back of your neck, just walk away. It's not worth seeing. We probably could have been in worse trouble if the people were still there and I had the funny feeling that in each instance they ran out the other door as we were trying to gain entry. Just a word to the wise "BE CAREFUL" out there! Stay safe!

Need Offers!

Melinda Barry (ERA Suncoast Realty) — Fri, 30 May 2008 08:44:24 -0500


$220,000
7026 N Fernandina Avenue, Dunnellon

Cross Street:	Copenhagen	Rear Expo:	W
County:	Citrus	Area:	12
Subdivision:	Mini Farms	Year Built:	1995
Beds:	3	Apx. Acres:	8.00
Baths:	2	Apx. SqFt Under Roof: 2,362
Waterfront:	No	Apx. Liv. SqFt:	1,717
Waterfront Ft:		Sec/Twp/Rng:	26/ 17/ 17
Private Pool:	No	Alt Key:	1045771
Apx. Lot Size:	655 x 530	MLS:	323284

Waterfront:
Interior Features:	Blinds , Breakfast Bar , Ceiling - Vaulted , Counters - Laminate , Decorator Lights , Den/Office , Eat-In Kitchen , Great Room , Inside Laundry , Lanai , Open Floor Plan , Plant Shelf , Walk-In Closet(s)
Exterior Features:	Entry - Ground Level , Lanai , Landscape - Partial , Outdoor Lighting , Pond , Shed/Utility Bldg , Slab , Window - Dual Pane , Window - Sgl. Hung
Appliances:	Ceiling Fan(s) , Dishwasher , Microwave Hood , Oven - Range , Refrigerator , Smoke Detector(s) , Water Filter Owned

Public Remarks:	Pre-foreclosure short sale! Rare find in the Mini Farms/CBS const on a paved road. 24 x 24 det garage w/att 24 x 20 carport w/elec, H2O, wall a/c & insulated. Full RV hook up. Home built on front of property, back acreage wooded. The great room style floor plan is open & inviting. Unique breakfast nook gives this home character. Relax by your fish pond listening to the sounds of the running water or soaking in the hot tub on the screened in lanai. No matter what your leisure time holds, there is plenty of room for your horses, RV, boat & hobbies.

Directions:	From 44 & 19, take 19 N, R on Citrus Ave (495), R on Dunklin St (Chevron on corner), 1st R after railroad tracks on Fernandina Ave, home is just after 4 way stop on R

Prepared by: Melinda Barry		Email : melinda.barry@era.com
American Realty & Inv., ERA - Crystal Ri		Off. Ph# : (352) 795-3144
1675 S. Suncoast Blvd.		Agt. Ph# : (352) 795-3144
Homosassa, FL 34448		Cell Ph# : (352) 212-3773
	www.melbarry.com

- - - - Information herein deemed reliable but not guaranteed - - - -

Friendship

Melinda Barry (ERA Suncoast Realty) — Fri, 30 May 2008 07:41:08 -0500

None of that Sissy Crap

Are you tired of those sissy 'friendship' poems that always sound good,

but never actually come close to reality?

Well, here is a series of promises that actually speak of true friendship.

You will see no cutesy little smiley faces on this card-

Just the stone cold truth of our great friendship.

1. When you are sad --I will jump on the person who made you sad like a spider monkey jacked up on Mountain Dew!!!!!!!!!!!!!!!!!!

2. When you are blue -- I will try to dislodge whatever is choking you.

3. When you smile -- I will know you are plotting something that I must be involved in.

4. When you're scared -- we will high tail it out of here.

5. When you are worried -- I will tell you horrible stories about how much worse it could be until you quit whining, ya big baby!!!!

6. When you are confused -- I will use little words.

7. When you are sick --Stay away from me until you are well again. I don't want whatever you have.

8. When you fall -- I'll pick you up and dust you off.

9. This is my oath...I pledge it to the end. 'Why?' you may ask -- because you are my FRIEND!

Friendship is like peeing your pants,

everyone can see it,

but only you can feel the true warmth.

Send this to 10 of your closest friends,

Then get depressed because you can only think

of 4.

New Group

Melinda Barry (ERA Suncoast Realty) — Sun, 25 May 2008 11:01:35 -0500

I started a new group some time ago and have not gotten much response to joining. I would like to put the invitation out to all RPAC chairpeople in Florida that are a part of active rain. If this reaches someone in an area and you know that your RPAC chairperson is not a member of active rain, please send them an invitation to join. You can include this link to the group if you would like .

http://www.activerain.com/groups/RPACFL

I am looking for people who interested in sharing their fundraising ideas and are motivated to make their RPAC goals for the year. This is a crucial time for RPAC with it being an election year and a tough time in the real estate community to ask people for donations.

We will be holding our candidate screening in June and deciding whom we will be recommending for RPAC funds distribution.

Good luck to you all and stop by and share your ideas.

New Listing

Melinda Barry (ERA Suncoast Realty) — Fri, 23 May 2008 11:41:56 -0500


$325,000
14500 The St Martins River, Crystal River

Cross Street:	Little Homosassa River	Rear Expo:	S
County:	Citrus	Area:	18
Subdivision:	Not in Subdivision	Year Built:	1940
Beds:	4	Apx. Acres:	.62
Baths:	1.5	Apx. SqFt Under Roof: 1,534
Waterfront:	Yes	Apx. Liv. SqFt:	1,534
Waterfront Ft:	456	Sec/Twp/Rng:	15/ 19/ 16
Private Pool:	No	Alt Key:	1011710
Apx. Lot Size:	113x79x99x91x74 Irregular	MLS:	326352

Waterfront:	Boat Dock , Open Water View , Riverfront
Interior Features:	Blinds , Ceiling - Standard , Counters - Laminate , Eat-In Kitchen , Open Floor Plan , Window Treatment(s)
Exterior Features:	Outdoor Lighting , Window - Sgl. Hung
Appliances:	Ceiling Fan(s) , Microwave , Microwave Hood , Oven - Range , Refrigerator , Satellite Dish Owned , Security System , Smoke Detector(s) , Water Heater

Public Remarks:	Introducing Cedar Island. Imagine owning an Island retreat to entertain your guests or use as a weekend get-away. Viewing Cedar Island from a boat captures the essence of a rustic fishing cabin, but step inside this primitive cabin and get all the modern conveniences of home. A four bedroom, two bath cabin with electricity, satellite TV, and water reclaim system. This is clearly a nature lover's hideaway that will be appreciated by all whom experience this wonderful opportunity.

Directions:	Cedar Island in Crystal River. Boat access only.

Prepared by: Melinda Barry		Email : melinda.barry@era.com
American Realty & Inv., ERA - Crystal Ri		Off. Ph# : (352) 795-3144
1675 S. Suncoast Blvd.		Agt. Ph# : (352) 795-3144
Homosassa, FL 34448		Cell Ph# : (352) 212-3773
	www.melbarry.com

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