Sarasota Real Estate News

Interested in an affordable maintenance-free waterfront home with your own boat dock on Siesta Key Beach in Sarasota Florida?  Your answer may be a condo in Midnight Cove or Midnight Cove II:

1.  Convenience.   Midnight Cove and Midnight Cove II condos offer easy access to the "mainland" of Sarasota without the traffic or going through Siesta Key Village - and there are several fabulous restaurants within walking distance!
2.  Financial.  Both have financially solvent homeowners associations with adequate reserves for updates and repairs.  They don't mind spending the money to keep their communities looking great.
3.  Deeded Beach Access.  It's just not fun dragging chairs and coolers half a mile to the beach and that's not the case with either of these communities.  In fact, Midnight Cove offers both gulf and bay properties, just a few steps away from the beautiful Florida gulf.
4.  Pet Friendly.  Even large dogs are welcome.
5,  On-site Management.   Friendly staff and full-time maintenance.
6.  Recent sales.  Four have sold the past six months in Midnight Cove and Midnight Cove II from $400-$600k.
7.  Weekly Rental Income.  Generally speaking, estimated annual rental income for condos on Siesta Key is $30,000 annually depending on beach access and the view. 
8.  Activities.   Cookouts, parties, and regular events are planned in the clubhouse,
9.  Private Boat Docks.
10.  Not Over 55.  

Four are currently on the market.  My favorite is a beautifully updated 2BR 2BA with a full bay view and a washer/dryer.  Go to my Home Page www.PalmerRanchLindaHolley.com and simply enter this MLS number in the Home Search section: A4132078    Address is 1900 Cove II Pl, #135, list price is $489,000 with a motivated Seller.  This condo was an annual rental, but the rental potential is estimated at $30,000 for weekly rentals.

I have held many open houses in Midnight Cove and Midnight Cove II and also attended homeowners association meetings, getting to know owners who have enjoyed their condos for many years.  So if it's waterfront, boat docks, rental income, or deeded beach access you are looking for, you'll want to take a look at one of these communities on Midnight Pass Road--pet friendly offering weekly rentals.  

Call Linda Holley at 941-914-4914 for more information about buying or selling your Sarasota home, beach condo, or investment property.  I can also send you information about mortgage financing for Siesta properties and recommend some good mortgage lenders who can get this done for you.

Most sincerely yours,

Linda Holley, Realtor, GRI
Michael Saunders and Company

Posted by Linda Holley on November 14th, 2016 6:54 AM

The Global Business Council of our Realtor Association had a panel discussion about the United Kingdom's (UK) withdrawal from the European Union (EU), referred to as BREXIT.  Britain voted to leave the EU, and the Scottish public voted to remain, which could lead to the breakup of Great Britain.  The EU has lost one of its largest members, and this could affect the future value of the Euro.  The new British PM, Theresa May, has 3 years to negotiate with the EU, and Parliament is urging her to start these talks this summer. 

From June 22-July 13, 2016, exchange rates for the pound is 20,046 less for an investment of $250,000 US dollars.  For Florida’s UK real estate investors:  as soon as you put your Sarasota home on the market, see a tax attorney immediately and try to get a reduction in your foreign tax withholdings, FRPTA, at closing.    

How will BREXIT affect real estate in UK?  It is estimated that UK property values may drop between 5-10% for 1-3 years.  If businesses that are mostly in London leave for Europe, then the value of commercial properties will decline.  But if the pound goes down compared to the US dollar, then US and other foreign investments may increase.  It may be time for US to invest in the UK!

Our British friends vacation and retire in Sarasota County because of our wonderful Florida beaches and sunshine.  Those who are planning to buy homes and retire on the Florida gulf probably will.  That may not be the case for tourists who fly “across the pond” because the decrease in the pound may affect their travel plans.  They may choose to vacation in Spain or France rather than come back the US for economic reasons. 

Visit my home page at www.PalmerRanchLindaHolley.com for helpful information about buying and selling Sarasota real estate.

Posted by Linda Holley on July 18th, 2016 11:02 PM
Good morning,
I have shown property recently in the Tallywood community near downtown Sarasota.  There are two on the market today under $150,000, built in the early 80's.  These are ground floor villas with a very financially solvent homeowners association.  If you know anyone who wants to live near downtown Sarasota and the Baltimore Orioles stadium, 15 minutes from Siesta and downtown, please give me a call at 941-914-4914.  The community is well maintained and I have friends living there who LOVE LOVE LOVE it.  Here to help you with your Sarasota real estate needs!  Linda Holley, Realtor, GRI
Posted by Linda Holley on January 28th, 2016 7:52 AM
Thinking of buying an affordable home in Sarasota for personal use and/or rental income?   Most of today's buyers prefer to be near Siesta Key or Nokomis beaches, and there are still some deals in the $200,000's, even single family.  However, most of the single family homes in that price range are 30+ years old and some are in flood zones, which is a challenge for homeowners.  Yard maintenance, roof repair and replacement are expensive and not desirable for seniors or seasonal residents.  I found three single family homes for two Buyers south of Bahia Vista in great established neighborhoods, in the low $200's, with a pool or room for a pool.  Most of these homes were built in the 1950's and 60's, and some needed updating.  

On Siesta Key beach-- one bedroom condos are sold in the $200's in these communities:  Siesta Beach House, daily rentals, on the gulf, HOA dues - $500 per month, no pets.  Bay Oaks, 1 week minimum rentals, dues $450 per month, no pets.  White Sands Village, 2 week minimum rentals dues are $350 per month. pet-friendly.  Many of these generate over $20,000 in rental income each year.  Most of the Siesta communities near the beach were built in the 1970's.  

On Palmer Ranch:  Arielle, built in 2004, 3 bedrooms with a garage, rental policy 1 month minimum 4 times a year, dues $350 monthly.  Seasonal rentals will generate approximately $4,000 per month or $16,000 per year best case.  Off-season rentals are possible by the month if you find a good property management company or try to manage your own rentals online.  

I have had vacation rentals and because I had a bad management company, I learned how to market and control my own rentals, using online websites through VRBO.com and other vacation rental sites.  I found more websites to list my property on by "Googling" the telephone number of the local property management companies. :)  This way, I avoided the 18% management fee and could manage bookings around the time I wanted to be there.  IRS allows only a certain number of days for personal use if you have investment property; however, if you are staying in your vacation rental to replace or repair things, then that is not considered personal use--and there are always locks to be changed and carpets to be cleaned.  Interestingly, my rental guests took towels and beach decorative accessories in the beginning when a management company handled the rentals, but not when I managed my properties myself.  Putting up family photos makes rental guests realize that they are renting from an individual and not a company.   You can buy a combination lock at the hardware store for your key used by rental guests and maintenance personnel if anything goes wrong.  Yes, you will want to change the combination often.  Getting a combo lock makes more sense than mailing keys back and forth.  Finding a dependable cleaning company is very important, and they will tell you if anything has been broken or is missing.  How do you get paid?  Through PayPal, but get a $200 security deposit that is returned immediately after the cleaning company confirms all is well.

I'm here to assist you with your real estate needs in Sarasota, Palmer Ranch, and Siesta.  

Most sincerely yours,

Linda


Posted by Linda Holley on November 29th, 2015 9:31 AM
3,343 people read my blog in the past 30 days.  THANK YOU!   Did you watch the debate this week and hear Hillary discuss Dodd-Frank and the Consumer Financial Protection Bureau?  Here's what she was talking about:  Due to predatory lending practices a few years ago, the Dodd-Frank Act was enacted to provide better oversight of financial institutions.  As of October 3, 2015, lenders must disclose the terms of the loan to Buyers within 3 days after loan application. The estimated loan costs can not be exceeded by ten percent.  This morning, I created the ABC's of what Buyers and Sellers need to know about the new rules from information in training sessions I have attended as well as government websites.  

ABC's of What Buyers and Sellers need to know about the Dodd-Frank Act and the Consumer Financial Protection Bureau:  

Always use an experienced mortgage lender;  if you don't know a good lender in Sarasota, call me.  Loan officers with Michael Saunders & Company Mortgage are knowledgeable and you get answers right away.
Back-to-Back closings are tricky and problems in the sale of one home can delay closing on the home Seller is buying.  
Communication early in the loan process is key.
Disclosures:    Know terms of your mortgage and  "cash to close" the deal. 
Email is the fastest way to receive documents from your lender .  
Florida real estate contracts changed this month.
Get your closing agent all information at least 10-12 days prior to closing.
Holidays (Federal) and Sundays are exempt from the #days to meet deadlines.
Intent is to insure that mortgage lenders' estimates balance with the final numbers.
Just do it...get your paperwork in on time.
"Know Before you Owe."
Linda Holley, Sarasota Realtor, uses the Law Office of Icard Merrill for closings.
Most comprehensive financial regulatory reform since the Great Depression.
New information reported by lenders identifies discriminatory practices.
Other federal agencies were created..Consumer Financial Protection Bureau (CFPB).
Penalties and fines apply to lenders who violate the new practices.
Qualitative and quantitative methods used to develop the new required disclosures.
Required Disclosures protect consumers.
Submit complaints against lenders online:  https://help.consumerfinance.gov/app/mortgage/ask.
Timeliness is critical to prevent delayed closings.
Understanding financial transactions for mortgages, credit cards, student loans.
Vision includes protection of older Americans against financial exploitation and all Americans against discrimination.
Whistleblowers  contact  whistleblower@consumerfinance.gov

   And LAST BUT NOT LEAST...
XYZ    Your Realtors--FOR BOTH Buyers and Sellers--need to monitor deadlines if there is a mortgage involved in the transaction.

Thank you for reading my blogs!  According to the statistics on my website, 3,343 people have read my blog in the past 30 days.  Most popular features of my website are my Blog, About Linda, Code of Ethics, New Construction, Home Page, For Buyers, and Vendors and Friends.

The past few weeks, I found properties listed and overpriced in 2014, and these properties are still on the market today.  Realtors will take a listing--just to get the listing--even if the Seller wants a price that is unrealistic.  I'm sad for the Sellers who had high expectations when they listed their home, and sad for the Realtors who probably presented the Sellers with a market analysis of what the home will sell for, but the Seller chose to work with a Realtor who said they could get them a price $150,000 or higher than the market allows.  Sellers, don't expect to sell your home for $599,000 when the market says your home is worth $450,000 or less.  Michael Saunders tells her agents that we are not in a bubble--we are in a market that is correcting itself, and it will level off in 2016.  It's our job to educate Sellers!  Don't expect to sell your home at prices we saw ten years ago.  If you are still kicking yourself because you did not sell and make a profit in 2006 during the bubble, you are not alone; many of us Realtors did the same thing!  Maybe you waited years to sell your home thinking prices would come back to 2006, and they will eventually, but not anytime soon.  

See my website: www.PalmerRanchLindaHolley.com to find homes on the market in Sarasota...and have a great weekend!

Most sincerely yours,

Linda Holley, Realtor, GRI
941-914-4914

Posted by Linda Holley on October 17th, 2015 11:35 AM

Good morning!  I want to tell you about our award winning website, the Consumer Financial Protection Bureau, and my Siesta Key Open Houses this weekend.

MichaelSaunders.com was named “best overall” website in the real estate industry by a panel of technology and marketing experts, plus and our mobile site is also #1!   I encourage you to take a look at our website and the features to search for homes by communities and lifestyle.  

Michael Saunders and Company beat out many of the largest national real estate brokerages, as determined by REAL Trends real estate analysis publishing company.    
See http://www.heraldtribune.com/article/20150831/ARTICLE/150839971/0/search

“We have found the website to not only be the front door for our company, but also for the region,” said Michael Saunders, the founder and top executive.   This website makes it easy for Buyers to closely define their home search, which saves time and energy--especially for people who are not familiar with Florida's gulf coast.   And since we have an impressive international presence, our website is a great way for Buyers--anywhere in the world--to see the homes that they would be interested in purchasing, considering the activities they enjoy or a particular community.  

Selling your home?  You are going to want to be sure your home is listed on www.MichaelSaunders.com for maximum exposure.  

Don't forget... Florida real estate contracts are changing next month as required by the Consumer Financial Protection Bureau (see www.consumerfinance.gov) and I'm up-to-date on how that affects real estate transactions.  Timelines for lenders have changed, and those under contract who miss the new deadlines have to start the mortgage approval process over again until they get it right; that affects both sides of the transaction for both Buyers and Sellers and will delay closings. 

I'll be holding Open Houses this weekend at Harbor Towers on Siesta Key beach, 5855 Midnight Pass Road, #207, a 1,755 sq ft condo with a full bay view, 3 BR 3BA, plus den reduced to $529,000.  This property is a wonderful investment because it allows rentals 26 times per year and it's pet-friendly; it will easily generate over $30,000 in income, and is updated and ready to go.  Seller is encouraging all offers because he has already purchased his new home.  Harbor Towers rents their boat docks for $1 per foot per month, Siesta Beach is a lovely place to live and visit, and this homeowners association is very financially solvent.  Since realtors are telling us they will be aggressively negotiating deals for their Buyers, I seriously look for this property to be SOLD soon.  This is a very large property for Siesta, an end unit, with fabulous water views--even from the kitchen.

Have a great Labor Day weekend and be safe!  

Sincerely,
Linda




Posted by Linda Holley on September 5th, 2015 7:06 AM

It has been my experience that often there is a "love-hate" relationship between Buyers and Sellers in a real estate transaction.  It starts in the negotiation process, through the inspection period, all the way to the closing table--and sometimes afterwards.  Legal battles are costly, and you are better off buying a Florida Lottery ticket rather than depending on the civil courts to handle your complaint quickly and to your satisfaction. 

Realtors are trained to assist Buyers and Sellers by staying on top of the deadlines specified in the contract.  Buyers and Sellers can be in default, and that's why it's important to find an experienced real estate brokerage to assist you.  If you think you may buy a home "For Sale by Owner," (FSBO), it may be in your best interest to notify your realtor and let him or her assist; if you do it in the beginning, you can get assistance and the Seller will pay the 3% commission.   IKnow when you can terminate your contract and get your deposit back, and missing the mark by a day can cost you thousands of dollars if you need to get out of the deal.

There are many horror stories about Buyers not getting the deed restrictions, not receiving or reading the condo docs, being outside the timeframe of inspection, seller deflecting responsibilities about repairs, rental and pet restrictions, special assessments, and the overall reputation of the builder or community.  Also, some real estate brokers--even in this town--don't carry Errors and Omissions insurance to protect their agents.  If your realtor drops the ball, do they have a broker who will back them up or shrug their shoulders and walk away?

In Florida, there are 5,000 applications each month for new realtors and brokers.  About half don't pass the test, but those who do are depending on their brokers and other realtors to know the laws and help them through their transactions.  Don't become a casualty, get the right help in the beginning.

Have a great day!

Linda

Posted by Linda Holley on April 19th, 2015 10:01 AM

It’s no wonder that you are confused about what’s going on in Sarasota’s real estate market with what you hear and read in the media.   Since a large percentage of visitors are in Sarasota during the winter, our best months for home sales are in the spring; in Mar-May ’14 the average price of homes sold in Sarasota was $284k.  The remainder of the year, total volume sales varied. 

In Jan ’15, the average price of homes sold was $277k.  Does that mean prices are dropping?  No, by comparing Jan ‘15 to Jan last year, we sold six percent fewer homes this year (more foreclosures are now off the market), AND the average price of homes sold increased by $11k.  Since the stronger months for home sales are in Mar-May--and if the January  increase continues into the spring--then the average price may be as high as $295k ($284+11) in the coming months.  Potential homebuyers must realize that 2014 home sales data included many foreclosures, which lowered average home sale prices. 

There could not be a better time to buy your home in Sarasota, so call me at 941-914-4914 and let’s get started before prices AND interest rates go up! 

Linda

Data supplied by Trendgraphix 2/21/2015, * All reports are published February 2015, based on data available at the end of January 2015, except for the today stats. All reports presented are based on data supplied by the Mid-Florida MLS. The Mid-Florida MLS does not guarantee or is not in anyway responsible for its accuracy. Data maintained by the Mid-Florida MLS may not reflect all real estate activities in the market. Information deemed reliable but not guaranteed.

Posted by Linda Holley on February 21st, 2015 10:04 AM
Mira Lago in Palmer Ranch, on Sarasota, Florida's gulf coast and 10 minutes from Siesta Key beach, consists of 182 single family maintenance-free homes, condos, and villas built in the 1990's.  Average size: 2,000 sq ft., many have lake views.  Average home sales are $285,000 for past six months.  Today, two homes are on the market starting at $330,000 and two pending sales.  For information about homes in Mira Lago or homes in Palmer Ranch, contact Linda Holley, Realtor, Michael Saunders and Company, 8660 South Tamiami Trail, Sarasota, FL 34238, 941-914-4914, email: LindaHrealtor@gmail.com  Search for homes at PalmerRanchLindaHolley.com
Posted by Linda Holley on January 15th, 2015 10:51 PM

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