Picky Agent Saves Buyer Money - Okaloosa Island - Destin, Florida

Real Estate Broker/Owner with Rulnick Realty, Inc.

They say salespeople are not detail oriented. Well, they should be. My picky OCD personality has helped me market, sell, and close many Emerald Coast of Florida properties over the years.  Being picky helps the client.  Correct representation is imperative. Details can be dollars.

Just recently, this picky agent sold a waterfront condo on Okaloosa Island with a boat slip.  Having sold two in the past few months made me dig further when the listing agent said he didn’t know anything about a boat slip transfer fee.   I was concerned, because I knew that there were boat slip transfer fees payable to the Florida DEP upon sale of a property.  I wanted to tell my buyer what this fee would be.  (Calculated at $1,000 x linear foot of the slip x 6% + 7% sales tax ).

The association management company researched the Okaloosa Island condo I was now selling. They said no transfer fee was due on that one, because it was a Florida homestead property, which is a primary residence. I asked for their reference document so I would have it for future use.

I let the title agent know there should be no fee charged to my buyer in this case.

Closing time came.  I had to review the preliminary settlement statement, also called a “Closing Disclosure” or “CD”. Well, gosh, there was the boat transfer fee in the amount of $1600, charged to my buyers! This wasn’t correct.

I notified the title agent and provided my documentation. She said the association manager had given her the figures with their estoppel letter. Hold on there.

I contacted the association manager to remind them that there was no boat slip transfer fee because it was a homestead property.  They corrected their estoppel letter, the title agent fixed the settlement statement, and the fee was removed.

No one had noticed. Not the lender, not the title agent, and not the very association management company who provided the original information.

If the transfer fee of $1600 had been collected and paid to the State of Florida, I doubt someone would have researched it after the fact to recognize this was a homestead property, and that no fee should have been paid. No one would have refunded that money to my buyers.

That is, if no one had noticed. This picky agent did.


It’s Wendy… It’s Sold!

Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call 850-259-0422
Email Wendy: itswendy@rulnickrealty.com

Wendy Rulnick, Broker, lists and sells real estate in Destin, Santa Rosa Beach, 30A, Miramar Beach, Crestview, Sandestin, Seaside, Rosemary Beach, Okaloosa Island, Fort Walton Beach, Niceville, Freeport, Bluewater Bay, Navarre, Florida.

Parlo italiano.

Posted by

"It's Wendy... It's Sold!"

Wendy Rulnick, Broker/Owner Rulnick Realty, Inc.

Call Wendy Rulnick 1-850-259-0422

email itswendy@rulnickrealty.com

www.rulnickrealty.com property searches and community info

Wendy Rulnick helps real estate buyers and sellers on the Emerald Coast of Florida.

Rulnick Realty


Comments (15)

Jeffrey DiMuria 321.223.6253 Waves Realty
Waves Realty - Melbourne, FL
Florida Space Coast Homes

Good for you. This is one of the reasons I see so many agents fail. They simply do not pay attention to details. 

Nov 08, 2021 12:49 PM
Wendy Rulnick

Jeffrey DiMuria 321.223.6253 Waves Realty Right, and think about the liability!

Nov 08, 2021 02:33 PM
Gwen Fowler SC Lakes & Mountains 864-710-4518
Gwen Fowler Real Estate, Inc - Walhalla, SC
Gwen Fowler Real Estate, Inc.

Everything comes down to the details.  I spend at least an hour with each closing statement fixing the errors.  I don't know how buyers who represent themselves ever close.


Nov 08, 2021 01:11 PM
Wendy Rulnick

Gwen Fowler-864-638-3599 SC Mountains Lakes Homes You are very conscientious!!

Nov 08, 2021 02:34 PM
Ed Silva, 203-206-0754
Mapleridge Realty, CT 203-206-0754 - Waterbury, CT
Central CT Real Estate Broker Serving all equally

Good for your buyer that you held to your suspicions and was able to save them that $1,600 as it would have been next to impossible to recover from the state and they may well have tried to collect for it again in the future as well.

Nov 08, 2021 04:35 PM
Wendy Rulnick

You nailed it!! Thanks, Ed Silva !

Nov 08, 2021 05:18 PM
Ron and Alexandra Seigel
Napa Consultants - Carpinteria, CA
Luxury Real Estate Branding, Marketing & Strategy


as Leonardo Da Vinci said. Perfection is in the details. We heartily agree.  

Nov 08, 2021 04:36 PM
Wendy Rulnick

Ron and Alexandra Seigel I like that Da Vinci quote!

Nov 09, 2021 05:57 AM
Mark Don McInnes, Sandpoint-Idaho
Sandpoint Realty LLC - Sandpoint, ID
North Idaho Real Estate - 208-255.6227

Kudos on your deligence!  Make it a productive week ahead.  Mark

Nov 08, 2021 05:06 PM
Wanda Kubat-Nerdin - Wanda Can!
Red Rock Real Estate (435) 632-9374 - St. George, UT
St. George Utah Area Residential Sales Agent

Well done Miss Wendy! Some of us dig a little deeper to better represent our clients, glad you did just that. Referrals to come your way!

Nov 08, 2021 06:02 PM
Michael Jacobs
Pasadena, CA
Pasadena And Southern California 818.516.4393

Hello Wendy - things like this can make a big difference.  Good job.  

Nov 09, 2021 03:30 AM
Wendy Rulnick

Thank you, Michael Jacobs !

Nov 09, 2021 05:57 AM
Brian England
Ambrose Realty Management LLC - Gilbert, AZ
MBA, GRI, REALTOR® Real Estate in East Valley AZ

Your clients are so lucky to have you!  There is definitely too much fine print in the world, everything should be in big print.

Nov 09, 2021 04:18 AM
Wendy Rulnick

Brian England Ha ha, especially for those of us who are near-sighted!

Nov 09, 2021 05:56 AM
Kathleen Daniels, Probate & Trust Specialist
KD Realty - 408.972.1822 - San Jose, CA
Probate Real Estate Services

Hello Wendy Rulnick 

Like you, I review all the documents and ask a lot of questions. Selling real estate involves more than just having buyers and sellers sign a stack of documents.  At least it should be. 

When I read "no one had noticed" my first thought was no one cared.  No one else cared because they were not paying the fee. Others were just processing paperwork. 

Well done, Wendy. Congratulations on truly serving your clients! 


Nov 09, 2021 08:52 AM
Wendy Rulnick

Kathleen Daniels, Probate & Trust Specialist That's a point, too, asking a lot of questions! Thank you!

Nov 09, 2021 09:50 AM
Kathleen Daniels, Probate & Trust Specialist
KD Realty - 408.972.1822 - San Jose, CA
Probate Real Estate Services



Mr. Crappy Says

The Devil is in the Details

And the Little Crap!





Nov 09, 2021 08:54 AM
Wendy Rulnick

WOW!!! Thank you, Kathleen Daniels, Probate & Trust Specialist ! I am detail--ighted!!

Nov 09, 2021 09:49 AM
Joan Cox
House to Home, Inc. - Denver Real Estate - 720-231-6373 - Denver, CO
Denver Real Estate - Selling One Home at a Time

Wendy, all I can say is --- good thing you are PICKY.    I call it detailed, but either way we are advocating for our buyers!  Great job.

Nov 09, 2021 01:12 PM
Wendy Rulnick

Detailed, yeah, that's it Joan Cox !

Nov 10, 2021 07:49 AM
Roy Kelley
Retired - Gaithersburg, MD

Thank you very much for sharing this story.

Prospective home buyers are in very good hands when they seek your professional real estate advice and assistance.

Nov 10, 2021 04:54 AM
Wendy Rulnick

Roy Kelley Thanks a bunch!

Nov 10, 2021 06:14 AM
Will Hamm
Hamm Homes - Aurora, CO
"Where There's a Will, There's a Way!"

Hello Wendy and thank you for sharing this story with us and that is what makes you a GREAT Reatlor.

Nov 10, 2021 09:36 AM
Wendy Rulnick

Will Hamm Thank YOU for your support!

Nov 10, 2021 09:44 AM
Endre Barath, Jr.
Berkshire Hathaway HomeServices California Properties - Beverly Hills, CA
Realtor - Los Angeles Home Sales 310.486.1002

Wendy what is the old saying the Devil is in the Details, most agents do not go into the details, but that is the difference of being on top of your game or just well you know, Endre

Nov 29, 2021 10:32 PM
Debe Maxwell, CRS
Savvy + Company (704) 491-3310 - Charlotte, NC

WOW! I can't believe the lender missed this, Wendy! Thank goodness, for your clients, you are detail-oriented. The devil is, indeed, in the details!

Dec 27, 2021 08:51 PM
Wendy Rulnick

Debe Maxwell, CRS The second best part was telling my buyers, "There was a $1600 error - in YOUR favor!"

Dec 28, 2021 06:03 AM