Covenants and Restrictions

Buyers should receive a copy of the Covenants and Restrictions within so many days of making an offer so that they understand what they are buying into.  A copy of the recent year-end financials and the minutes from the last board meeting are also a clear sign as to whether or not a Homeowners Association or a Condo Association is stable and that there are no new assessments about to be charged to owners.  

In Florida, the disclosures go one step further making it the responsibility of the seller to disclose to a buyer all known facts that materially affect the value of the property. Chapter 718 allows a buyer to void a purchase by delivering written notice of the buyer’s intent to cancel within 3 days after receiving these documents.  

Know your rights as a buyer and work with an Accredited Buyer’s Representative or a Certified Residential Specialist to receive the best service.  These two extra certifications are achieved by extra curriculum classes and achievements that most other agents do not have.  These follow an agent’s name with either ABR or CRS.




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Temperatures at the Beach

You would expect temperatures at the beach to be a little cooler this time of year in the Panhandle.  In fact, we have had lows of 29 degrees, but it doesn’t last long.  The forecast this week is 74 degrees on Thursday.  Can you say Golf or Gulf?  Does not matter, either will be fine this week.

What are your winter temperatures and what do you do to keep yourself optimistic and entertained?


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What’s Ahead

As we get ready to install a new US President, it will bring about many changes in real estate around the country.  There is already talk about repealing the Dodd/Frank Act.  In my opinion this will be a mistake and allow for the beginning of the collapse of real estate as we knew it back in 2005-2009.  It will be the wild, wild, west all over again with lenders giving loans to anyone wanting one without any requirements of having a job, a down payment, or any assets.  Hold on to your seats if this scenario happens.  Yes, real estate will be active again.  We will all be busy, but will it be good for us?

Interest rates are going to be also rising soon.  Talk of this is supposed to happen right after the first of the year.  Even a point can disqualify new home buyers who today can afford a home but tomorrow will not be able to.

What are your thoughts?  Curious to see if anyone is thinking what I am thinking.  May PEACE be with us all.


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First Realtor Tour of 2016

I saw some really nice properties today on Realtor Tour in Miramar Beach. I can seriously recommend the following listings:

1.)  320 Scenic Gulf Drive Unit 211 for just $150,000

2.) 266 Eagle Drive in the Fairways at Sandestin for $367,000

3.)  65 St. Martin Circle in Maravilla Complex with its own pool and mother-in-law suite, fully furnished.

4.)  956 Scenic Gulf Drive, Miramar Beach, FL for $549,000

Whatever your budget, we have some really great properties here at the beach.  If you would like more information on any of these, please call, text, or email me at

Have a great day all.  A look from one of the units….

IMG_0712 (2)

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Realtor® Tour and my Favorites

We get together and tour homes as a group in our area.  Yesterday was one such day.  I really liked the listing located at 568 E. Royal Fern Way (MLS 724101) and I think you would too.  This was a newly built home in the very popular community of Watercolor near Seaside, Florida.  It has 5 bedrooms and 5 bathrooms with a double car garage and private pool in the fenced in backyard.

You can view this with me by appointment.  If you would like to see photos of this home and receive more details, please just contact me.  My email address is  I look forward to hearing from you.



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Agent Tour Today

Once a month I attend an agent tour of homes nearby where I live.  I rank the homes and make suggestions for buyers based on location, price, condition, and proximity to the W. Walton Beach areas.  Today was such a day and I came away with my top three picks.

Starting with the lowest priced home I found to be exceptional value and condition was a home located at 1177 Thompson Rd. in Santa Rosa Beach, FL (MLS#724660).  This cute patio styled home with a garage and small fenced in backyard would be the perfect pick for someone looking to be close to the beach but an affordable price.  Priced at $365,000.

My second pick today is located at 5768 W. County Hwy. 30A, Santa Rosa Beach, FL and sits across from the Dune Allen Public Beach Access area.  Wow, what a home.  Nice private pool and wonderful views.  I loved the decor and flooring in this newly built home.  It would make for a wonderful second home or rental investment.  MLS # 740789  Priced at $1,150,000 fully furnished.  I found this one to be a great value!

My third and last pick today was a home in Gulfview Heights located at 92 Maple Street on the north side of Hwy. 30A, yet a short golf cart ride to a public beach access area on the south side of 30A.  Priced at $679,000.  This home is brand new and sits on a large lot with a private pool in the backyard.  It offers a two car garage and there are no HOA fees to worry about.  This one had a great open floor plan and large room sizes.  MLS 739283.

If you want to see some really terrific properties that offer an exceptional value for the dollar, these would be my picks for the different price ranges. Please feel free to call me for your own private viewing appointment today.  You can reach me at 850-420-2480 or if you would prefer to email me you can reach me at

Have a great day!

Goatfeathers in View

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Local Catch on 30A

We braved some pretty rough weather yesterday as we arrived at Local Catch on Hwy. 30A in Santa Rosa Beach, FL.   We decided to go to our Happy Hour gathering at 4 p.m. despite tornado watches, warnings and tremendous downpours of rain with an occasional crack of thunder.  I called ahead and Zane put a railroad tie out in front as a bridge to get us over the puddle that awaited us.

Normally, Happy Hour prices and specials only apply to those sitting in the bar area, but they accommodated us by allowing us to sit at a table in the restaurant basically because it was pretty empty inside.  They have a great drink menu.  All drinks are $5 from their specialty drink menu including wonderful martinis.  Their wines are 50% off for a glass of any wine on the menu and we ordered Meiomi for just $5.50 per glass.  Zane our waiter did a wonderful job in keeping up with our crazy group and was very attentive and generous with his wine pours.

On Wednesday nights you can get any salad on the menu for 50% off as well.  This is usually reserved for ladies only, but they offered this to our entire group on this evening.  Many of us ordered the Mile 4 Fish Salad which was excellent and a great deal for 50% off.  See photo below.

Mile 4 Fish Salad

Mile 4 Fish Salad

We really enjoyed this happy hour with jokes flowing around the table.  I love the comradery and laughter that we all share.  Until next time, cheers!  Oh, and Happy Thanksgiving y’all.

Local Catch Group

Local Catch Fun

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