St Augustine Real Estate Information

THE 2006 FLORIDA STATUTES - PROPERTY TAX DISCLOSURE SUMMARY
March 31st, 2007 4:35 PM

The 2006 Florida Statutes

(1)  A prospective purchaser of residential property must be presented a disclosure summary at or before execution of the contract for sale. Unless a substantially similar disclosure summary is included in the contract for sale, a separate disclosure summary must be attached to the contract for sale. The disclosure summary, whether separate or included in the contract, must be in a form substantially similar to the following:

PROPERTY TAX 
DISCLOSURE SUMMARY


BUYER SHOULD NOT RELY ON THE SELLER'S CURRENT PROPERTY TAXES AS THE AMOUNT OF PROPERTY TAXES THAT THE BUYER MAY BE OBLIGATED TO PAY IN THE YEAR SUBSEQUENT TO PURCHASE. A CHANGE OF OWNERSHIP OR PROPERTY IMPROVEMENTS TRIGGERS REASSESSMENTS OF THE PROPERTY THAT COULD RESULT IN HIGHER PROPERTY TAXES. IF YOU HAVE ANY QUESTIONS CONCERNING VALUATION, CONTACT THE COUNTY PROPERTY APPRAISER'S OFFICE FOR INFORMATION.

(2)  Unless included in the contract, the disclosure summary must be provided by the seller. If the disclosure summary is not included in the contract for sale, the contract for sale must refer to and incorporate by reference the disclosure summary and include, in prominent language, a statement that the potential purchaser should not execute the contract until he or she has read the disclosure summary required by this section.


Posted by Cindy Balla on March 31st, 2007 4:35 PMPost a Comment (0)

Jacksonville Housing
March 19th, 2007 7:50 PM

Jacksonville - is one of the fasting growing cities in Florida. Our housing activity has slowed some what but homes sales are picking up. It's a great time to buy with interest rates still low and home prices stabilizing. Homes are selling at approximately 5% lower than ask price. Properly preparing and pricing the home for sale continues to be important because buyers are well informed and know the market. The average price is hard to determine in Jacksonville because the area is so large and there are so many different communities. Communities are springing up all over Jacksonville. Some of our areas of town include: Mandarin, San Jose, Southside, Westside, Northside, Baymeadows, Julington Creek, Argyle, and of course the beaches, Fernandina Beach, Atlantic Beach, Neptune Beach, Jacksonville Beach, Ponte Vedra Beach and Vilano Beach.

Approximate Location Boundaries: NE Florida to the Atlantic Ocean

Location Characteristics: Jacksonville is located in Northeast Florida at the crossroads of two interstate highways, Jacksonville is the largest city in the contiguous United States in land area, a major port, the insurance and financial center of the state, site of U.S. Navy bases and the home of the National Football League's Jacksonville Jaguars. In February 2005, the city of Jacksonville hosted the Philadelphia Eagles and the New England Patriots and their fans at Super Bowl XXXIX.

The Jacksonville metropolitan area includes: three beach cities and Clay, Baker, Nassau and St. Johns counties, has a population of more than 1,000,000 residents and covers 841 square miles. There are three major Interstate Highways running through Jacksonville-I-95, I-295 and I-10. Additionally, I-75 is approximately 60 miles west of downtown Jacksonville and several U.S. Highways- U.S. 1, U.S. 17, U.S. 90 and U.S. 301.

Since the Jacksonville area is so large it is hard to determine an average sold home price, however, homes range from high $100K to several million depending on the area of town you live in.


Posted by Cindy Balla on March 19th, 2007 7:50 PMPost a Comment (0)

Buyers splurge where it counts: Kitchens & Bath
March 15th, 2007 6:14 PM

Buyers splurge where it counts: Kitchen, bath
 

ORLANDO, Fla. – March 15, 2007 – The slowdown in the housing market hasn’t curbed consumers’ desire for upscale kitchens and baths, says American Institute of Architects Chief Economist Kermit Baker.

“Households continue to emphasize size, features, and high-end products used in their kitchens and baths even as the overall housing slowdown has encouraged many to scale back on their overall housing investment,” he says.

No longer just a place to cook, the kitchen has evolved into the most popular room in the house. “There’s a strong desire to integrate the kitchen with living space that allows for a more open home environment with the ability to converse and access entertainment options while in the kitchen,” says Baker.

In the most recent AIA design trends survey, 40 percent of architects report a trend toward larger kitchens. Almost one-third see separate kitchen facilities (other than the main kitchen) or secondary food preparation or food storage areas as also increasingly appearing in homes.

Kitchens also are an area where owners are likely to upgrade. “Upper-end appliances are becoming more popular, even for homes that aren’t at the upper end of a price range,” says Baker.

Survey: Most Popular Kitchen Features

AIA rated the most popular kitchen features by subtracting the number of survey respondents who say a feature is decreasing in popularity from the number who say it’s increasing.

• Upper-end appliances: 65 percent

• Increased pantry space: 64 percent

• Renewable flooring material: 53 percent

• Wine refrigerators/wine storage: 53 percent

• Integration with living space: 53 percent

• Recycling center: 48 percent

• Island work areas: 43 percent

• Natural stone countertops: 42 percent

• Drinking water filtration systems: 37 percent

• Duplicate appliances: 34 percent

In the Bath: What Buyers Want

In the bathroom, “accessibility features and universal design to accommodate an aging population are on the rise,” Baker says. “From an amenities standpoint, heated floors lead the way, followed by multiple showers and towel warming racks. The popularity of whirlpools has dropped for the second consecutive year.”

Here's the complete list of the most popular bath features:
 

• Radiant heated floors: 62 percent

• Multi-head showers: 62 percent

• Accessibility/universal design: 48 percent

• Doorless showers: 47 percent

• Linen closet/storage: 36 percent

• Hand showers: 36 percent

• Multiple vanities: 26 percent

• Dressing/cosmetic areas: 23 percent

• Towel warming drawers/racks: 22 percent
 

Growing, too, is the desire to incorporate green features into kitchens and baths. Increasing, according to architects, is consumer demand for renewable flooring material, such as bamboo or concrete, and drinking water filtration systems.
 

Source: Camilla McLaughlin for REALTOR® Magazine Online


Posted by Cindy Balla on March 15th, 2007 6:14 PMPost a Comment (0)

10 Handy Handheld Hints
March 5th, 2007 6:54 PM
10 Handy Handheld Hints

handy handhelds
Have a smartphone or personal digital assistant (PDA)? Read on, and this article will have you saying, “Wow, I didn’t know I could do that with my PDA!”

Here’s something you probably didn’t know about your BlackBerry: It can ask for directions. And your Treo? It can retrieve files from your PC, even when you’re away from the office. Your personal digital assistant (PDA) has been holding out on you, too: It can double as a GPS navigation system, able to guide you to any address in the country.

Yes, your phone can do a lot more than just make calls, and your PDA can do a lot more than just manage appointments. Let’s take a look at these and other ways to make the most of the devices riding shotgun in your pocket.

1 Find Your Way. Although an increasing number of PDAs and cell phones have built-in global positioning system (GPS) capabilities, many do not. If your device falls into the latter category, you can turn it into a robust navigation system by adding the TomTom Navigator 6 (www.tomtom.com). This kit combines a Bluetooth GPS receiver (one that can communicate wirelessly with your device) with maps and navigation software contained on a memory card—just pop it in, and you’re ready to hit the road.

Navigator provides both spoken and visual driving directions and even lets you navigate right to addresses in your contact list. The kit’s compatible with devices like the Palm Treo, Nokia N80 and Dell Axim X51; check the company’s Web site for a complete list. Another option is the Delorme Earthmate GPS Blue Logger & Street Atlas USA 2007 Bundle, which sells for about $150 (www.delorme.com).

2 Easy Mortgage Calculations. Every sales associate needs a good mortgage calculator. If you head to Handango.com, a site that sells software for all kinds of mobile devices, you’ll find plenty of choices. Just tell the site what kind of device you own; then search the listings.

Palm and Windows Mobile users may want to check out LoanExpert, while BlackBerry users can try Mortgage Utilities. These inexpensive programs churn out monthly payment figures, interest calculations and amortization tables, as well as other information. If you use one of them, your clients and customers will be duly impressed by all the figures you have at your fingertips.

3 Manage Your Tasks. Web site Remember The Milk (www.rememberthemilk.com) offers excellent (and free!) tools for creating, managing and completing task lists. The Web site can notify you by e-mail, text message or instant message when a task is due as well as show you location-specific tasks on a map. And, it lets you add tasks to a list just by sending e-mails to a special address. Where does your phone come in? Simple: You can access your task list right from your phone’s browser. Not a bad way to keep tabs on your to-dos.

4 Phone Yourself a Message. At one time or another, most of us have called our voice mail or answering machine to record a quick thought, idea or reminder. Instead of calling yourself, however, call the free BrainCast system (braincast.viatalk.com). Just like voice mail, it stores messages, but it lets you retrieve them online and sends you e-mail reminders.

This is great for saving, organizing and sharing personal reminder notes. You can add memos and tags to your recordings and even e-mail them to others. While you’re limited to calling from three different phone numbers (home, office and cell), this free service could definitely come in handy.

5 Access Your Office. Ever wished you could reach a virtual arm through the Internet to pluck an important file from your office PC? Avvenu (www.avvenu.com) grants that wish, enabling you to securely access documents, photos and other desktop files right on your smartphone. Just leave your PC—and the Avvenu software—running when you go out, and you’ll be able to view, download and even share (via e-mail) any files you want. Avvenu Basic costs nothing; the Plus version, which affords this invaluable access even if your PC isn’t on, costs $29.99 per year.

6 Instant Driving Directions. Can’t find your way to a listing appointment? Need a map of a particular neighborhood? Google Maps for Mobile (www.google.com/gmm) can help. Like its Web-based counterpart, this tool provides door-to-door directions, local business locations and information, movable maps and even satellite images. To download the program, load your phone’s browser and visit www.google.com/gmm. Google Maps for Mobile is free to download and free to use.

7 Text for Success.
Looking for the closest Bank of America? It’s easy when you type in the ZIP code of the area you’re looking and tap into 4INFO.net, a service that provides quick access to package tracking, flight times, business directories and other handy information. To find the nearest pizza joint in Kidron, Ohio, for instance, just text “pizza kidron oh” (but don’t hold your breath—it’s Amish country).

For movies, punch in the name of the flick or “movies” and a city or theater name. Looking for a Starbucks? Try turning in a circle—oh, there’s one. (Failing that, you can text “Starbucks” and the closest ZIP code.) Within 30 seconds or so, you’ll receive a text message with the requested information.

8 Dial with Your Voice:
Many modern cell phones support voice dialing—just press a button and say the name of the person you want to call—but Treos aren’t among them. You have to press the power button, load the address book, navigate your contact list, tap the person’s name and then press Dial. Who has time for all that?

Fortunately, Palm’s new Treo Voice Dialing application (software.palm.com) cuts out most of these steps. In fact, its voice recognition technology lets you call anyone in your address book just by stating his or her name—no training required. The software also lets you dial numbers by voice (“Call 8-6-7-5-3-0-9,” for example), run applications and even compose new e-mail messages. Not bad for a $20 program. Just one catch—although Treo Voice Dialing works with wired headsets, it doesn’t support Bluetooth headsets.

9 Back Up Your Treo. Making backups is like checking tire pressure—we all know we should do it regularly, but few of us do because it’s a hassle. Fortunately, your Treo gets backed up every time you HotSync with your PC—but what happens if you’re out on the road for days or weeks at a time? Or you’re one of those forgetful types who don’t HotSync regularly? Without a current, reliable backup, you could find yourself in deep water if your Treo gets lost, broken or erased.

You can save time—and your data—by subscribing to BackupBuddy.net (www.backupbuddy.net). Whenever you change or add data on your Treo, the new information is automatically, wirelessly backed up to your online account. This clever “trickle backup” system saves you from having to remember to make backups on your own. BackupBuddy.net costs $34.95 per year.

10 Books on the Go. Never have time to read anymore? The next time you’re stuck in line at the post office, pull out your PDA or smartphone and catch up on Stephen King’s latest. The next time you’re stuck in traffic, plug in your device and learn how to become a better salesperson. Thanks to Audible and eReader, two applications available for both Palm OS and Windows Mobile devices, you can listen to audiobooks and read e-books anytime, anywhere.

Fiction, nonfiction, sales and other e-books can be purchased online from sites like eReader.com and Fictionwise.com. To stock up on audiobooks, head to Audible.com, which is home to thousands of leisure and business titles. E-books and audiobooks are downloaded directly to your PC and then automatically copied to your device. 

Posted by Cindy Balla on March 5th, 2007 6:54 PMPost a Comment (0)

Preparing For Storms and Hurricanes
March 5th, 2007 6:46 PM
Prepare Your Roof
  • If you have an exterior television antenna or satellite dish, disconnect it and remove it.

  • Remove roof turbines and cover the holes where they were installed. Otherwise, high winds could remove them for you, leaving a gaping hole through which heavy rain could enter your home to do damage.

  • Check for loose or damaged shingles, and seal around flashings, chimneys or vent pipes. A roof in good repair is much better able to stand the torture inflicted upon it by a storm. For more on roof repair, visit How to Repair Shingled Roofing.

  • Check for loose and clogged gutters and downspouts. Backed-up gutters can send water flowing into your home in the event
    Before the Storm: What Can You Do To Protect Your Home?
    House.
    Keep your home safe and secure.

    Hurricanes pose both wind and flood damage potential, but there are things you can do to greatly reduce the impact on your home. One of your main goals is to prevent the wind from damaging the home in a way that allows water to enter and do further damage. Make sure your doors and windows are secure. Wind inside your home will push upward against the roof and try to lift it, while winds outside create a suction pressure, almost doubling the roof's load.

    Despite the best attempts at protecting your home, damage may still occur. Take a look at your insurance policies to make sure you are adequately covered. Keep lists or video tapes of your belongings as documentation for the insurance company.

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    of heavy rains. For detailed information, see How To Maintain Your Gutters.

  • If your roof is damaged in a storm, use tarps secured with ropes and nails to cover it as soon as you can. Heavy rains usually occur during and after a hurricane, and water can cause devastating damage to the interior of your home. Any step you can take to minimize water damage will help.
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Cover The Windows

If you live in an area vulnerable to hurricanes, consider installing storm shutters. They are available in several different types, and they will go a long way toward keeping the damaging wind and rain from entering through your home's windows. As a side benefit, they may reduce your homeowner's insurance premium.

If you wish, you can build your own hurricane shutters. The following designs are reprinted with permission from APA — The Engineered Wood Association.

  • Design 1: Shutters for Wood-Frame Buildings

  • Design 2: Shutters for Masonry Block Structures, Barrel Bolt Latch Supports

  • Design 3: Shutters for Masonry Block Structures, Steel or Aluminum Angle and Screw Supports

  • Design 4: Shutters for Masonry Block Structures, Shutters Attached to Outside Wall with Permanently Mounted Brackets

  • Design 5: Shutters for Masonry Block Structures, For Openings Wider than 8 Feet
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Secure The Doors

Steel entry doors provide the best protection for your home. Double doors and French doors are most vulnerable to high winds. No matter what type of door you have, a hurricane panel is your best option to keep damage at a minimum. These galvanized steel or PVC panels are available at your local Lowe's. You can also nail plywood over your doors to help keep out water and debris. Do not nail yourself inside the house, in case you need to evacuate the area on short notice.

If you have double doors that have no structural member in the center between them, you should purchase and install special hardware to secure the doors where they meet. Bolts that secure the door into the framing at both the top and bottom greatly increase the door's strength. Wedge a dowel or a piece of broom handle into the track of sliding glass doors to prevent them from coming loose when the wind howls.

Provide stiffening support for garage doors. The pressure from wind increases with the door's size, and wide doors in particular need bracing for stability during high winds. Make your own vertical supports by nailing two 2x4s together and attaching them to the inside of your garage door with "L" brackets.

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Keep the Yards Clear of Flying Debris
Man with chainsaw cutting tree.
Keep loose tree limbs trimmed to avoid flying debris.

Flying tree limbs pose a great danger during high winds. Trim trees to avoid the possibility of large limbs doing damage to your house. In addition, selectively thinning out the branches to allow wind to pass through will reduce the potential for damage to the tree itself. Dead or damaged branches should be removed before they become flying missiles aimed straight for your house.

Lawn furniture, ornaments, toys, grills and exterior potted plants should be taken inside. Anything that cannot be brought inside should be tied down. Sheds, doghouses, playhouses, swing sets, and boat trailers should be secured with tiedowns, turnbuckles and cable or stout rope. Concrete tiedown spaces are a good home improvement in areas susceptible to hurricanes. If you do not have concrete-mounted tiedowns when the weather threatens, screw type tiedowns secured deep in the ground must suffice.

If you live in a mobile home, it is particularly important that you inspect and repair your home's tiedowns.

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Cars, Trucks and Boats

If you live in a low-lying area, move your car, truck or boat to higher ground, preferably to an enclosed garage or warehouse.

If you must leave a boat behind, do not leave it in the water. If the boat is left outside, anchor the trailer tongue of a trailered boat to a firm spot on the ground. Lash the boat to the trailer; let some air out of the tires. Add water for weight, but make sure you keep it below engine level. Stow all loose gear (outriggers, canvas tops, etc.) and remove electronics and other valuables to avoid damage and theft. Cover the boat to keep additional water and debris out.

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Involve Your Family

Get every member of your household involved in storm preparation. Set aside time for a family meeting to discuss the following:

  • An Evacuation Package Think about keepsakes, personal items you would hate to lose, things insurance could never replace. Examples: your children's baby books and photos, an heirloom quilt. Place them in a waterproof and fireproof container. Include important family documents, such as birth certificates and insurance policies. Make sure everyone knows where the package is kept and assign a family member responsibility for it in case you need to evacuate.

  • Safety Kit Put together a safety kit. Include first aid supplies and essential medications, a fire extinguisher, packaged or canned non-perishable food and a non-electric can opener, water (no more than 6 months old) in a non-breakable container, protective clothing, rainwear and blankets. Make sure everyone in the household knows where this kit is kept.

  • Emergency Contact Pick a friend or family member out of state to call in case a hurricane hits or you need to evacuate. This contact can be the person who lets others know where you are and that you are safe so you will not have to spend precious time doing so.
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After the Storm: Is Your Home In Need Of Repairs?
Hot Water Dispensers.
Make repairs quickly after the storm passes.

Property damage created by storms can be devastating. Structural and electrical damage must be repaired by licensed contractors and building professionals, and should be brought up to the most current standards for storm protection. There are smaller jobs as well, however — jobs that can be done by homeowners while contractors focus on the worst of the storm damage.

Lowe's Home Improvement Warehouse can help. Visit our How-To Library for help with those repair and replacement projects you decide to do yourself. Lowe's is committed to providing the building and home improvement products you need at guaranteed every day low prices — both before and after the storm.

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Was this information helpful? Please let them know your do-it-yourself experiences. We'd love to hear from you!

These How-To's are provided as a service from Lowe's, the Original Home Improvement Warehouse of How-To information for the World Wide Web. The information in Lowe's "How-To" clinics is intended to simplify jobs around the house. Tools, products, materials, techniques, building codes and local regulations change; therefore, Lowe's assumes no liability for omissions, errors or the outcome of any project. The reader must always exercise reasonable caution, follow current codes and regulations that may apply, and is urged to consult with a licensed professional if in doubt about any procedures. Please read their terms of use.


Posted by Cindy Balla on March 5th, 2007 6:46 PMPost a Comment (0)

Hurricane Preparedness
March 5th, 2007 6:40 PM

Preparing for a Hurricane

If you are under a hurricane watch or warning, here are some basic steps to take to prepare for the storm:

  • Learn about your community's emergency plans, warning signals, evacuation routes, and locations of emergency shelters.
  • Identify potential home hazards and know how to secure or protect them before the hurricane strikes. Be prepared to turn off electrical power when there is standing water, fallen power lines, or before you evacuate. Turn off gas and water supplies before you evacuate. Secure structurally unstable building materials.
  • Buy a fire extinguisher and make sure your family knows where to find it and how to use it.
  • Locate and secure your important papers, such as insurance policies, wills, licenses, stocks, etc.
  • Post emergency phone numbers at every phone.
  • Inform local authorities about any special needs, i.e., elderly or bedridden people, or anyone with a disability.
  • Make plans to ensure your pets' safety.

Emergency Supplies You Will Need

You should stock your home with supplies that may be needed during the emergency period. At a minimum, these supplies should include:

  • Several clean containers for water, large enough for a 3-5 day supply of water (about five gallons for each person).
  • A 3-5 day supply of non-perishable food.
  • A first aid kit and manual.
  • A battery-powered radio, flashlights, and extra batteries.
  • Sleeping bags or extra blankets.
  • Water-purifying supplies, such as chlorine or iodine tablets or unscented, ordinary household chlorine bleach.
  • Prescription medicines and special medical needs.
  • Baby food and/or prepared formula, diapers, and other baby supplies.
  • Disposable cleaning cloths, such as "baby wipes" for the whole family to use in case bathing facilities are not available.
  • Personal hygiene supplies, such as soap, toothpaste, sanitary napkins, etc.
  • An emergency kit for your car with food, flares, booster cables, maps, tools, a first aid kit, fire extinguisher, sleeping bags, etc.

You can find more information on emergency plans and supply kits at www.ready.gov

Preparing to Evacuate

Expect the need to evacuate and prepare for it. The National Weather Service will issue a hurricane watch when there is a threat to coastal areas of hurricane conditions within 24-36 hours.

When a hurricane watch is issued, you should:

  • Fill your automobile's gas tank.
  • If no vehicle is available, make arrangements with friends or family for transportation.
  • Fill your clean water containers.
  • Review your emergency plans and supplies, checking to see if any items are missing.
  • Tune in the radio or television for weather updates.
  • Listen for disaster sirens and warning signals.
  • Prepare an emergency kit for your car with food, flares, booster cables, maps, tools, a first aid kit, fire extinguisher, sleeping bags, etc.
  • Secure any items outside which may damage property in a storm, such as bicycles, grills, propane tanks, etc.
  • Cover windows and doors with plywood or boards or place large strips of masking tape or adhesive tape on the windows to reduce the risk of breakage and flying glass.
  • Put livestock and family pets in a safe area. Due to food and sanitation requirements, emergency shelters cannot accept animals.
  • Place vehicles under cover, if at all possible.
  • Fill sinks and bathtubs with water as an extra supply for washing.
  • Adjust the thermostat on refrigerators and freezers to the coolest possible temperature.

If You are Ordered to Evacuate

Because of the destructive power of a hurricane, you should never ignore an evacuation order. Authorities will be most likely to direct you to leave if you are in a low-lying area, or within the greatest potential path of the storm. Be aware that most shelters and some hotels do not accept pets. If a hurricane warning is issued for your area or you are directed by authorities to evacuate the area:

  • Take only essential items with you.
  • If you have time, turn off the gas, electricity, and water.
  • Disconnect appliances to reduce the likelihood of electrical shock when power is restored.
  • Make sure your automobile's emergency kit is ready.
  • Follow the designated evacuation routes—others may be blocked—and expect heavy traffic.

If You Are Ordered NOT to Evacuate

The great majority of injuries during a hurricane are cuts caused by flying glass or other debris. Other injuries include puncture wounds resulting from exposed nails, metal, or glass, and bone fractures.

To get through the storm in the safest possible manner:

  • Monitor the radio or television for weather conditions, if possible.
  • Stay indoors until the authorities declare the storm is over.
  • Do not go outside, even if the weather appears to have calmed—the calm "eye" of the storm can pass quickly, leaving you outside when strong winds resume.
  • Stay away from all windows and exterior doors, seeking shelter in a bathroom or basement. Bathtubs can provide some shelter if you cover yourself with plywood or other materials.
  • Prepare to evacuate to a shelter or to a neighbor's home if your home is damaged, or if you are instructed to do so by emergency personnel.

Posted by Cindy Balla on March 5th, 2007 6:40 PMPost a Comment (0)

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