3/2/2 PRICED AT $235,000

2079 SW Morelia Ln

$235,000.00

3/2/2; Upgrades galore! Front double doors lead to elevated foyer. Large, diagonal tile in living areas; Separate living room and family room; Formal dining room; Knock down ceiling and upgraded ceiling  fans, light fixtures  throughout the house; All appliances included with sale. Master bedroom features tray ceiling, french door leading outside and sitting area. In master bathroom: dual sinks,  roman tub, tiled shower. Covered patio overlooks large, corner lot; Freshly painted exterior and water heater only 2 years old…this home is waiting for new owner.

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3/2/2 PRICED AT $235,000

4165 SW SPICKLER ST

$290,000.00

4/3/2 plus den which could be easily converted into fifth bedroom; Beautiful vaulted ceilings; Tile throughout  living areas, laminate flooring in bedrooms; In kitchen granite countertops, stainless steel appliances, upgraded, large cabinets and recess lighting; Tray ceiling in master bedroom; In master bathroom- dual sinks, separate shower, tub and water closet; One of the guest bathrooms also features dual sinks and doubles as cabana. In the back screened patio and behind paved opened patio overlooking garden. Last, but not least: gorgeous tile roof and custom driveway and walkway….Located in HOT SW Port St Lucie.

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4165 SW SPICKLER ST

138 SE MANLY AVE LISTED AT $230,000

Bring your family to this 3 bedrooms, 2 bathrooms, 2 car garage Pool home and you won’t want to leave. Painted inside and out just few years ago. Outside you will enjoy swimming screened pool . Hurricane shutters, CBS construction and newer roof will help you with homeowner insurance bill. Newly painted driveway will accommodate at least six cars and garage features windows and side doors. AC system is just few years old. Property is connected to city water, but on private septic (the best of two words). Inside: Vaulted ceilings; New tile and laminate flooring throughout the house; Separate living and family rooms; Kitchen features: Panoramic window overlooking patio and pool area, “above cabinets lighting”all appliances and  island separating it from family room . Master and Guest bathrooms have sky lights and in guest  (cabana) bathroom new, custom vanity is installed. Great, quiet neighborhood just adds to perks of this beauty. Visit www.annasellsrealestate.com to view pictures.     

138 SE MANLY AVE LISTED AT $230,000

TITLE COMPANY VS ATTORNEY

I am absolutely not writing this article to tell buyers/sellers which one is better . I just want explain some things that may be confusing for buyers coming to florida from Northern states . In Connecticut, New York, etc you NEED attorney to close on home. I am not going to list all the services that attorney does, because of one simple reason: I don’t know. But I know that attorney will be the one to assist buyer and seller in executing “closing” documents:, making sure that buyer is getting property free and clear of liens, seller gets paid, etc.

In Florida that is not requirement. You can (as buyer or seller) have Title Company assist with closing of transaction. Those institutions are licensed. And will make sure that seller, buyer and everybody else involved in transaction comes out at the end with :home or fair compensation. They make sure that there is no liens on property, prepare deed, work with buyer’s lender ,etc.

  There are definitely  Real Estate Attorneys in Florida who can do exactly the same and as buyer or seller you are welcome to hire them. There will be (most of the time) difference in fee. Attorney’s services are a little bit more expensive usually. But you do- have additional protection. And if you are worried that transaction may get a little bit out of hand and complicated issues may arise, maybe attorney would be a better choice. Like I mentioned, this article just explains the difference between Florida and some other states as far as “closing companies’ are concerned.

 

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TITLE COMPANY VS ATTORNEY

BUYING IN COMMUNITY WITH HOA

There is few things you have to consider if you want to buy your home in community like that.

First thing is financing. If you are obtaining mortgage to pay for your future home, make sure that your lender knows if there is HOA fee involved. Most of the time lender will prequalify you for your maximum purchase price and will take under consideration estimated monthly tax and homeowner’s insurance amount, but not HOA fees. So if you hear that your maximum is $200,000 and you are looking at $200,000 home with monthly HOA fee of $300, you will not be able to get loan.  

Second issue- your balance to close. Find out if there is “capital contribution” in community (in most cases there is). When you purchase home, HOA asks for kind of “sign in fee”. Numbers could be as low as $500…then it is not a big deal. But there are communities that charge $30,000 or even $60,000. Could fee like that be a deal breaker? You bet it could.      

Third- application process. If you need quick (two weeks) closing, find out if there is approval process by HOA and if there is, what is time frame. Usually it is 30 days, so give yourself enough time.

Of course there is a lot of different questions you should ask and a lot of different issues to come up.    

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Call or email Anna Chroscicki with RE/MAX Masterpiece Realty at 772-485-4188 or

anna@annasellsrealestate.com.

    

BUYING IN COMMUNITY WITH HOA

FRAME VS CBS CONSTRUCTION

 

  • Is cement block construction better than frame?                                                                                                                                                         

 

             If you heard that it is much better, because of hurricane stability, then my answer is “NO”.  What matters in hurricane is : securing of roof and home openings. If you compare two homes and CBS home has roof without special ties and windows without hurricane shutters, and frame home has roof that meets “hurricane withstanding” criteria and shutters are installed on home- your frame home will “live” through hurricane and CBS home may get damaged.  And you will pay more for homeowner’s insurance.

If wood destroying organisms are your concern, then you have a little bit of point there. There is a lot more weak points in frame house. And you have to be more carefull. But don’t panic…and don’t be too sure about CBS home. There is wood involved (trusses, window openings, door openings).

Please talk to builder, contractor, insurance company before making decision.   

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FRAME VS CBS CONSTRUCTION