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Gulf Front Penthouse on beautiful Holiday Isle!

Non-rental Gulf front Penthouse on beautiful Holiday Isle! This 3 BR/3 BA unit has amazing views of the Gulf and white sandy beach! This unit is beautifully appointed with crown moulding, granite counter tops, hardwood floors, up-graded light fixtures and chandeliers… Lots of privacy in this complex, as well as 24 hour security… Amenities include pool/spa, clubhouse, fitness room, and tennis!

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Magnolia House 207

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The most FABULOUS, newly refurbished unit at Magnolia House in Destin Pointe on Holiday Isle!!! Extraordinary Gulf and beach views. Ready for action as a second home or rental investment! Destin Pointe offers gated security, boardwalk to the beach, community pool, and Magnolia House private pool. Average gross income for other 1 BR units is around $30,000.

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Beautiful Gulf and East Pass Views!

Ideally situated near the end of beautiful Holiday Isle right on the Gulf of Mexico! Beautiful Gulf and East pass views! Very attractive updated unit with granite, tile floors, and plantation shutters. This popular complex has lots of amenities including private beach, pool, tennis, beach pavilion, outdoor grills, and exercise room,. Within walking distance to Destin Harbor to catch the Water Taxi and enjoy all the restaurants and attractions the Harbor area has to offer.

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A Boater’s and Beach Lovers Dream Home!

A boater’s and beach lover’s dream home! This unique property has it all! Absolutely gorgeous Gulf views and just steps away from the white sand and Gulf of Mexico! Across the street on the Harbor is the private dockage for a 60+ foot vessel as well as a boat lift and room for various water toys! Enjoy all that Destin Harbor has to offer; numerous restaurants, attractions, water taxi, and just minutes by boat to the Gulf. This beach home has a 2 BR guest apartment downstairs for the privacy of owners and guests alike. Upstairs is open and bright with hardwood floors, wet bar, ice maker, granite and master BR with awesome views of the Gulf! There is a front balcony to watch the boats on the Harbor and both open and covered back decks to enjoy the breeze from the Gulf! Truly a rare find!

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30A CLOSE TO SEASIDE FOR UNDER 250K!!!

It’s called “Relaxation Station” for a reason!  This incredible 30A condo is in walking distance to Seaside and sits directly across the street from a beach access!! The bedroom has new carpeting, kitchen has granite and stainless appliances! This would make a GREAT rental unit that can comfortably sleep six! Rental projections from Beach Blue are $20,000 to $25,000 as is for 2016! With a Gulf view from the front balcony, this condo will not last!

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LIVE IN THE MAGIC OF LIFE!!

Incredible Olde Plantation estate on over one acre of serenity and privacy…Walk in the front door and be greeted by double winding staircases and a view of the indoor/outdoor pool…The Master Suite is down with a fireplace, large separate sitting area and galley kitchen…A private entrance from the Master opens to the indoor/outdoor pool area…A large kitchen is complete with sub zero and gas fireplace…The enclosed summer kitchen has a beautiful circular bar with mosaic tile floors and brick counters…The indoor/outdoor pool area has stone walls and fountains and opens to a spacious and private sun deck…Upstairs is the billiards room/study with a rich and beautiful hand carved imported bar and a fireplace…Numerous statues and fountains adorn the lush landscaping and lots of open decks offer incredible and panoramic views of the Choctawhatchee Bay!

ncredible Olde Plantation estate on over one acre of serenity and privacy...Walk in the front door and be greeted by double winding staircases and a view of the indoor/outdoor pool...The Master Suite is down with a fireplace, large separate sitting area and galley kitchen...A private entrance from the Master opens to the indoor/outdoor pool area...A large kitchen is complete with sub zero and gas fireplace...The enclosed summer kitchen has a beautiful circular bar with mosiac tile floors and brick counters...The indoor/outdoor pool area has stone walls and fountains and opens to a spacious and private sun deck...Upstairs is the billiards room/study with a rich and beautiful hand carved imported bar and a fireplace...Numerous statues and fountains adorn the lush landscaping and lots of open decks offer incredible and panoramic views of the Choctawhatchee Bay!

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GULF VIEW IN SEAGROVE!!

Conveniently located in popular Seagrove Beach! Easy, Easy walk to the beach just across the street! Gulf view from the front balcony! Just minutes from Seaside, restaurants and great shopping! Bedroom has new carpeting, kitchen has granite and stainless appliances! Built-in bunks, washer and dryer. Great rental unit will sleep six!

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Big Changes for Home Buyers Coming October 3rd!

Thanks to now-retired U.S. Senators Chris Dodd and Barney Frank, aggravating changes will take effect on October 3rd, 2015 which will make home buying more difficult for those who are obtaining a home loan to make their purchase. Ten things consumers should know:

1. A new closing statement form called the Closing Disclosure or CD will be used for most loan applications taken for new mortgages, effective on October 3, 2015. This replaces the HUD-1 that is in place today. And now, the lender, not the closing agent, may be preparing and delivering the CD.

2. The CD must be delivered to the buyer/consumer at least three business days prior to the scheduled closing date.

3. Closing agent must get information to the lender approximately 10 to 14 days prior to the closing date for completion of CD to meet the delivery requirement. The closing agent must know about ALL buyer paid charges 10 to 14 days prior to the closing date.

4. The closing agent will need the real estate company’s state license number and the individual real estate license number for the new CD.

5. The CD sent to the buyer/consumer won’t include the “seller’s side” of the transaction. The closing agent (not the lender) is responsible for completing and delivering the seller’s side of the CD. The closing agent may decide to prepare a separate CD for the seller.

6. Although responsible for its accuracy, the agent/broker may or may not receive an advance copy of the CD before it’s delivered to the buyer/consumer. The lender will likely send the CD to the closing agent when it’s sent to the buyer/consumer. The settlement agent will not automatically be permitted to send a copy to real estate agents. The agent/broker may have to obtain a copy from the buyer or seller.

7. Changes to the CD after delivery to the buyer/consumer MAY trigger a new three-day waiting period if changes cause the Annual Percentage Rate to be inaccurate, the buyer changes loan product or a prepayment penalty is added. Changes and adjustments affecting the value of the property (as determined by the lender) may trigger additional disclosure and review periods under the Equal Credit Opportunity Act (ECOA) controlling the delivery of the appraisals. Buyers should consider two pre-closing inspections (walk-throughs) in addition to a home inspection.

8. The CD refers to Owner’s Title Insurance as “optional” in some circumstances. Lenders will require a mortgagee policy, but the addition of a simultaneous owner’s policy to protect the buyer’s equity may be optional. Without owner’s insurance, only the lender’s interests are insured. Buyers should obtain appropriate professional advice before before declining this coverage.

9. The new TRID rules may affect the actual contract terms between buyers and sellers. As an example, a closing date to occur within 30 days may no longer be a realistic expectation if a mortgage is involved. The consensus is that an additional 15 days should be added to any otherwise realistic projected closing date.

10. And remember … If a closing date is breached, a seller in a strong seller’s market may very well decide to put a property back on the market rather than sign an extension to further protract the closing. Buyers must understand the urgency in responding to lender requests for information and documentation. Buyers must have past three year’s tax returns, current pay stubs, brokerage and bank account information available at the onset.

Including personal property in the sale of your home

It is not totally uncommon in Destin, South Walton and along 30A for the buyer of a home to express an interest in a piece of furniture, some lawn equipment or perhaps even artwork when negotiating an offer to purchase. Some properties, especially those on a vacation rental program, are commonly offered fully furnished and rental ready. However, one word of caution… Personal property negotiations have destroyed or have come very close to destroying many a real estate transaction!

The real estate sales transaction can be quite complex. You have title issues,  home inspection items, PC&R compliance and acceptance, open permits to be resolved, lender contingencies, appraisal concerns and closing date coordinations, all of which must be orchestrated and resolved to the satisfaction of all parties.

So at long last, after 30 – 45 days, all the stars appear to be in perfect alignment and the closing is scheduled. All players are set, ready for the final act in the play. But wait. The sales contract also specified that the two white chairs remain. Or perhaps the lawn mower was supposed to be included.

Seller: “We did not think you meant the RIDING mower”.

Seller: “We thought you meant the two white chairs on the back porch, not the two white chairs in the living room that Aunt Edna gave us as wedding gift”.

Any time that personal items are to be included in the sale of a home, specifics are crucial. Back it up with photographs to be attached to the offer. Leave no possibility of misunderstanding.

All real estate transactions can and should run smoothly and efficiently. But overlooked details at the onset have the potential to cancel your performance.

Monthly Newsletter – April 2014