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CONDO INSURANCE - You may insure the inside of the unit with a separate
policy. The condominium complex should have its own master insurance policy
covering the outside of the property.
The Association Documents
detail items such as rental policy, maintenance fees, pet restrictions, association fees, parking space, use of boat slips, community boat ramps, pool etc.
We will review the documents with you in advance and see that all questions are
THE ASKING PRICES are only the starting point. Compare every condo unit to others in the complex for size, view and other similarities. Compare similar condos in nearby complexes.
Study comparable sales in the area and other pertinent information about the property you are considering.
CONDO SALES - Town home and Villa sales
averaged 93.3 percent of the Listing Asking Prices. The average days on the
market were 50 days before a contract.
FLORIDA UP TICK - The Florida real estate
market has stabilized and
prices are slowly rising after 7 years of declines. This may be the perfect time
to consider buying an investment for future appreciation. The state's housing
market continues to benefit from more people moving to Florida, the increased
job growth and stronger economy.
FINANCING - If you are not an all cash buyer then don’t wait until you
find a property to start thinking about how to finance it. Take time now to
explore your options and decide what kind of mortgage loan is right for you. Pre
approved buyers have a much stronger position when we negotiate with the
sellers. Once you are ready to move forward with your home purchase, it’s time
to go back to your lenders and request Loan Estimates. You should have already
explored your loan choices, so you know what kind of loan and what features to
Many condo units can be purchased for your vacation use and rented for income
when you are not using the property. Condo Hotels will require a larger down
payment to secure a loan.
APPRAISALS - The appraisal is a professional opinion as to the value of
the real estate you want to purchase. Appraisers follow strict rules in arriving
at the value of a property. Lenders are not allowed to interfere with the
appraiser’s judgment. The lender is required to send you a copy of the
The asking price on a short sale is not a commitment to sell at that price. A short sale is a property that sells for less than the seller's mortgage balance creating a loss for the seller's lender. Most times asking prices will or will not, reflect a price that the seller's lender is willing to accept. The listing real estate agent decides how to price the property. Some advertise an unrealistic low price on the real estate to attract buyers and to get a contract to submit. The lenders give no advice on the price they'll accept, until after they have a contract submitted. Many times they will when the lenders approval is given, it could contain conditions that the seller can't or won't comply with, such as repaying some of the lenders loss via a contract to repay.
Search for west coast Florida real estate for sale in the Tampa Bay Area of Pinellas County, Pasco County, Hillsborough , Sarasota and Manatee County. Find Condos, Townhomes, Villas for Permanent Residence or Investment in Clearwater Beach, Clearwater, Island Estates, Sand Key, St Petersburg Beach, Belleair Beach, Indian Shores, Indian Rocks Beach, Redington Beach, Redington, Tierra Verde, Treasure Island, Madeira Beach, Seminole Florida, Largo Florida, Dunedin, Tarpon Springs, Palm Harbor, New Port Richey and more. Many waterfront condos have day boat slips or boat slips for rent or sale.
We have assisted buyers from Canada, England, Ireland and Europe
Search and find Condos and Town Homes to accommodate sailboats, catamarans, trimarans and motor yachts.
Florida West Coast Condos and Town homes
or Gulf Beach For Sale
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Robert Kuzmicz - Charles Rutenberg Realty Associates 1545 S.Belcher Rd. Clearwater FL