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Escambia County, FL Real Estate News

By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
Timing the real estate market perfectly is like trying to predict the stock market—it’s tough, and often, waiting costs more than acting. As a trusted real estate broker since 1995, I’m here to tell you this: the best time to buy a home was yesterday. The second-best time? It’s today.Here’s why.1. Real Estate Is a Long-Term Investment When you buy a home, you’re not just getting a roof over your head—you’re building equity. The longer you own a property, the more you benefit from rising home values and paid-down mortgage balances. If you wait too long hoping for the "perfect" time, you may miss out on the compounding benefits of appreciation and equity growth.2. Interest Rates Fluctuate Interest rates are never guaranteed to drop. Even when they do, home prices typically increase as rat...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
Search MLS  For Your Next HomeWhat IS My Home Worth? How Much Home Do I Qualify For  The C-Note: Your Quick Guide to All Things Real EstateWelcome to The C-Note, the go-to source for everything real estate in Pensacola, Pace, and Gulf Breeze, Florida. Whether you’re buying, selling, investing, or managing rental properties, we’ve got you covered. With Charles Stallions as your trusted real estate broker, you’ll find expert advice and actionable insights to help you make confident decisions.Have a question about the local area, from top dining spots to job opportunities or real estate guidance? Call or text Charles at 850-476-4494, or email charles@charlesstallions.com—it’s who we “R.”Mortgage 101: Simplifying the ProcessAre you considering financing, refinancing, or just navigating the ...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
🏡 Your trusted real estate broker in Pensacola, Pace & Gulf Breeze since 1995 💡 Why Renters' Insurance Matters Landlord’s insurance ≠ covers your belongingsOnly protects the building, not your personal items. Protects your valuablesCovers theft, fire, water damage, and even stored belongings. Liability coverageAccidents happen. If your dog bites someone or water overflows, renters' insurance has your back. Covers additional living expensesHotel stays, food, laundry, storage, even pet boarding—if your rental becomes unlivable. Often required by landlords.Proves responsibility, protects both parties, and screens for tenant reliability. Affordable peace of mindPlans start around $30/month—cheaper than your phone bill. 🔍 What It CoversLandlord Insurance Building structure Fixtures & applian...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
By Charles Stallions, Trusted Real Estate Broker Since 1995When choosing a mortgage, one of the biggest decisions you'll face is whether to go with a fixed-rate mortgage (FRM) or an adjustable-rate mortgage (ARM). While fixed rates offer long-term stability, ARMs can deliver short-term financial advantages, especially if you don’t plan to stay in the home for decades.Let’s take a closer look at the risks and benefits of ARMs to help you decide what makes the most sense for your goals.Understanding the Risks of an ARMFixed-rate mortgages are preferred by many because the interest rate remains unchanged over time, offering predictability and protection from rising market rates.ARMs, on the other hand, can adjust to market fluctuations. After an initial fixed-rate period, the interest rate...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
By Charles Stallions, Trusted Real Estate Broker in Pensacola, Pace, and Gulf Breeze, FLSelling your home in a buyer’s market can feel like an uphill battle. With more inventory available and buyers taking their time, the pressure is on for sellers to stand out and price strategically. But with the right plan, innovative presentation, and a results-driven real estate agent, you can still get top dollar.Here’s how to sell smart — even when the market favors the buyer.1. Choose the Right Real Estate AgentIn a competitive market, working with the right agent is critical. You want someone with a proven track record in your area, not just listing homes, but getting them sold. As a trusted local broker since 1995, I help sellers like you navigate market conditions, price their properties wise...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
Let’s face it. The fun part of buying a home is looking through all the homes for sale to uncover your special gem. Not so fast, though. Without a bit of prep work, you could set yourself up for unpleasant surprises. After all, if you skip getting a mortgage preapproval before starting your search, you may fall for a home that a lender says you can’t afford.That’s why Todd Luong, a real estate pro with RE/MAX DFW Associates in Frisco, Texas, encourages his clients to get preapproved before shopping for homes. “It helps determine what a buyer can afford,” Luong says. “Getting preapproved provides a clear estimate of a buyer’s potential monthly payments. That allows them to focus on properties in their price range and avoid wasting time on homes that can exceed their financial limits.” Pl...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
Benjamin Franklin famously stated that "in this world, nothing is certain except death and taxes." While his words still ring true, there's another unavoidable reality in modern life: rising costs. From groceries to energy bills, the cost of living continues to climb, and one of the biggest contributors to this is housing.Housing has always been a major expense for individuals and families, but recent data highlights just how burdensome it can be. According to an article released in September 2024, renters spent a median of 31.0% of their income on housing costs, while homeowners with a mortgage spent 21.1%, and those without a mortgage spent just 11.5%. Despite this, 18.8 million homeowners were still dedicating more than 30% of their income to housing expenses, illustrating that affor...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
Just one inch of water in a home can cause up to $25,000 in damage, according to the Federal Emergency Management Agency. If you’re assuming homeowners' insurance will pick up the tab, you may be in for a surprise. Payment for that costly clean-up bill may end up coming out of your wallet.Many homeowners have learned the hard way that standard homeowner, condo, and renter’s insurance policies don’t cover flood damage. Hurricane Helene damaged an estimated 300 homes in Buncombe County, N.C., in 2024. Fewer than 1% of the homes and businesses had flood insurance, according to the Insurance Information Institute (Triple-I).Nationwide, only about 4% of American households have a flood insurance policy. That's especially troubling given that the catastrophic flooding events in the U.S. are b...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
When it comes to real estate, at the end of the day, trust is everything. Whether you're buying your first home, investing in rental property, or selling a home you've loved for years, you need someone who brings more than just experience—you need someone who brings results, integrity, and a personal touch. That’s where Charles Stallions comes in.With over 30 years of experience in the Pensacola real estate market, Charles Stallions has built a reputation based on a straightforward principle: put the client first, always. He’s not just another agent—he’s your advocate, guide, and problem-solver from day one.Charles is a Certified Residential Specialist (CRS), a Certified Buyer’s Expert (CBE), and a Military Relocation Expert (MRE), but what truly sets him apart is his deep understanding...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
Is Bathtub Replacement Right for You? Homeowners are increasingly swapping out their bathtubs for showers. Learn the pros and cons. A steamy debate has been brewing in bathroom remodels: Should you replace a bathtub with a walk-in shower, or keep the tub? Or have both? Before making a change, consider a few pros and cons. In the world of real estate, such bathroom matters could make a difference in your home’s marketability and resale value. For More Information. Why Choose Charles Stallions? Since 1995, with Charles's experience and certifications like Certified Residential Specialist (CRS), Certified Buyer Expert (CBR), and Senior Real Estate Expert (SREE), Charles Stallions has helped thousands of families achieve their real estate dreams. Whether you are buying your first home or up...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
Thinking of Renovating a Home in Pensacola, Florida? Here’s What You Need to KnowRenovating a home in Pensacola can be a rewarding experience—whether you're adding value to an investment property, updating your forever home, or preparing a fixer-upper for resale. But like any significant project, success comes down to having the right plan, the right team, and the right real estate broker in your corner.I'm Charles Stallions, your trusted real estate broker in Pensacola since 1995. With decades of experience and a deep network of vetted contractors, inspectors, designers, and permit specialists, I help clients take the stress out of home renovations.Why Renovate in Pensacola?Pensacola's historic charm, growing population, and strong demand for updated housing make it a smart investment ...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
Search MLS  For Your Next HomeWhat IS My Home Worth? How Much Home Do I Qualify For  The C-Note: Your Quick Guide to All Things Real EstateWelcome to The C-Note, the go-to source for everything real estate in Pensacola, Pace, and Gulf Breeze, Florida. Whether you’re buying, selling, investing, or managing rental properties, we’ve got you covered. With Charles Stallions as your trusted real estate broker, you’ll find expert advice and actionable insights to help you make confident decisions.Have a question about the local area, from top dining spots to job opportunities or real estate guidance? Call or text Charles at 850-476-4494, or email charles@charlesstallions.com—it’s who we “R.”Mortgage 101: Simplifying the ProcessAre you considering financing, refinancing, or just navigating the ...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
Search MLS  For Your Next HomeWhat IS My Home Worth? How Much Home Do I Qualify For  The C-Note: Your Quick Guide to All Things Real EstateWelcome to The C-Note, the go-to source for everything real estate in Pensacola, Pace, and Gulf Breeze, Florida. Whether you’re buying, selling, investing, or managing rental properties, we’ve got you covered. With Charles Stallions as your trusted real estate broker, you’ll find expert advice and actionable insights to help you make confident decisions.Have a question about the local area, from top dining spots to job opportunities or real estate guidance? Call or text Charles at 850-476-4494, or email charles@charlesstallions.com—it’s who we “R.”Mortgage 101: Simplifying the ProcessAre you considering financing, refinancing, or just navigating the ...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
Search MLS  For Your Next HomeWhat IS My Home Worth? How Much Home Do I Qualify For  The C-Note: Your Quick Guide to All Things Real EstateWelcome to The C-Note, the go-to source for everything real estate in Pensacola, Pace, and Gulf Breeze, Florida. Whether you’re buying, selling, investing, or managing rental properties, we’ve got you covered. With Charles Stallions as your trusted real estate broker, you’ll find expert advice and actionable insights to help you make confident decisions.Have a question about the local area, from top dining spots to job opportunities or real estate guidance? Call or text Charles at 850-476-4494, or email charles@charlesstallions.com—it’s who we “R.”Mortgage 101: Simplifying the ProcessAre you considering financing, refinancing, or just navigating the ...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
Search MLS  For Your Next HomeWhat IS My Home Worth? How Much Home Do I Qualify For  The C-Note: Your Quick Guide to All Things Real EstateWelcome to The C-Note, the go-to source for everything real estate in Pensacola, Pace, and Gulf Breeze, Florida. Whether you’re buying, selling, investing, or managing rental properties, we’ve got you covered. With Charles Stallions as your trusted real estate broker, you’ll find expert advice and actionable insights to help you make confident decisions.Have a question about the local area, from top dining spots to job opportunities or real estate guidance? Call or text Charles at 850-476-4494, or email charles@charlesstallions.com—it’s who we “R.”Mortgage 101: Simplifying the ProcessAre you considering financing, refinancing, or just navigating the ...
Comments 1
By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
Search MLS  For Your Next HomeWhat IS My Home Worth? How Much Home Do I Qualify For  The C-Note: Your Quick Guide to All Things Real EstateWelcome to The C-Note, the go-to source for everything real estate in Pensacola, Pace, and Gulf Breeze, Florida. Whether you’re buying, selling, investing, or managing rental properties, we’ve got you covered. With Charles Stallions as your trusted real estate broker, you’ll find expert advice and actionable insights to help you make confident decisions.Have a question about the local area, from top dining spots to job opportunities or real estate guidance? Call or text Charles at 850-476-4494, or email charles@charlesstallions.com—it’s who we “R.”Mortgage 101: Simplifying the ProcessAre you considering financing, refinancing, or just navigating the ...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
As experienced real estate investors reach the limits of conventional financing options, creative approaches become essential for continued portfolio growth. Here are eight innovative financing strategies to help you expand your rental property investments beyond traditional boundaries: House Hacking offers a clever entry point for investors looking to maximize their purchasing power. By utilizing owner-occupied loans like FHA or VA, you can secure a property with minimal down payment and favorable terms. The strategy involves initially living in the property, then transitioning it to a rental once occupancy requirements are met. This approach not only provides a cost-effective way to acquire property but also allows you to gain hands-on landlord experience while building equity. Selle...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
Pensacola, Florida: Recent policy changes made by the National Association of Realtors (NAR) have shifted the dynamics of buyer's agent compensation, prompting sellers to reconsider their strategies. Many buyers, especially first-time homebuyers, have limited savings and may struggle to cover additional costs beyond the down payment, closing costs, and other expenses associated with purchasing a home.  Mortgage lenders typically do not allow buyers to include agent fees in their loan amount, meaning buyers must pay these fees out of pocket, which can be a significant financial burden. Requiring buyers to cover their agent's compensation, as opposed to the traditional seller-offered model, exacerbates affordability issues and limits many buyers' ability to purchase a home. To maximize m...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
As your trusted real estate broker in Pensacola, Florida, I’m here to help you explore all your options—including reverse mortgages. If you're 62 or older, a reverse mortgage can be a valuable tool to access the equity in your home without giving up ownership or the comfort of living in it.Here’s how a reverse mortgage may benefit you: Supplement your retirement income with monthly payments from your lender. No monthly mortgage payments required, though you're still responsible for property taxes, insurance, and maintenance. Minimal credit and income requirements, with a review of your ability to meet ongoing homeownership expenses. You keep ownership of your home. While a reverse mortgage can be a powerful financial tool, it’s not for everyone. I strongly recommend consulting with your...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
We live in the greatest country on earth and are blessed with all its privileges, which have been passed down from generation to generation. God Bless America and us all.  Search MLS  For Your Next HomeWhat IS My Home Worth? How Much Home Do I Qualify For  The C-Note: Your Quick Guide to All Things Real EstateWelcome to The C-Note, the go-to source for everything real estate in Pensacola, Pace, and Gulf Breeze, Florida. Whether you’re buying, selling, investing, or managing rental properties, we’ve got you covered. With Charles Stallions as your trusted real estate broker, you’ll find expert advice and actionable insights to help you make confident decisions.Have a question about the local area, from top dining spots to job opportunities or real estate guidance? Call or text Charles at ...
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