Emerald Coast Real Estate Blog

Stunning Gulf Front Condo NOW AVAILABLE!

Gulf Views from the balcony of Navarre Towers 703

Navarre Towers #703 | Navarre Beach

2 Bdrm | 2 Bath | 1,360 Sq. Ft. | $489,000

STUNNING GULF FRONT Fully Furnished, ''Turn-Key,'' 2 Bed/2 Bath, 1360 Sq Ft Condo in Navarre Towers. Don't miss this opportunity to own in this Highly Sought-After Condo Development! Enjoy Waterviews from nearly every room. Unit 703 features a large Kitchen w/Granite Counter Tops & Tasteful Backsplash, Custom Cabinets with plenty of Storage/Space, Full Size Laundry Room with Owner's Closets, and a Breakfast Bar. Additionally, there are 9' Ceilings, Tile Flooring & Crown Molding throughout, Outside Additional Storage, Ceiling Fans, Custom Lighting/Fixtures, and Granite Counter Tops in Both Bathrooms. The Master Bedroom has Tremendous views of the Gulf of Mexico and it's own Private Balcony Access. Master Bathroom has Dual Separate Vanities, a Walk in Closet, and separate Toilet & Powder Room.


Stunning Views of the Gulf of Mexico


Questions to Ask Your Lender Before Getting a Mortgage

Asking the right questions when shopping for a mortgage is crucial, and failing to do so could cost you thousands.

The first question you need to ask yourself is, "How many mortgage loan applications am I going to fill?" 

You can save a significant amount of money long-term by investing in mortgage comparison shopping. For instance, the spread in 2018 for the highest and lowest mortgage rates was approximately 1 percent (3.95 percent vs. 4.94 percent). That's a pretty narrow range, historically speaking. In 1981, the mortgage rate spread was nearly 3 percent (14.8 percent vs. 18.63 percent). Even a 0.5 percent difference on a $300,000, 30-year mortgage can save you enough money to buy a 2019 Subaru Legacy in cash and still have enough left over to keep the gas tank full for a year ($31,600).

Incidentally, interest rates can vary by more than half a percent, even for people with good credit, depending on which lender you choose. Here are some questions you should ask your lender:

Is there anything I can do to apply for a better rate? 

You may be surprised by the options available. Some lenders may offer a lower rate if you increase your down payment or reduce your debt-to-income ratio. Adding a well-qualified cosigner can also improve your rates considerably, although that can come with its own issues.


New Camp Watercolor is Now Open!

Just in time for the Summer Season! Now one of the expansion projects that have been underway in Watercolor, Camp WaterColor is now Open!

Camp WaterColor includes 3 pools!  The main "Butterfly" Pool includes the "Monarch" Slide!  Staffed with Lifeguards, this is a Heated Pool!

The "Caterpillar" Pool features the "Skipper" Slide, Zero-Entry and includes a Children's Area!  This pool is also heated!

Last but not least is the "Lazy Lizard" Pool!  Featuring a lazy river, Zero-Entry, this pool is great for relaxing as you move through the twists and turns of this popular water feature!

Other features of this new expansion include a new basketball court, playground and the Canteen Restaurant & Bar is open every day!  Serving food and drinks, hours of operation are from 11:00 am to 7:30 pm.

Just another reason to own in the Premium Community of Watercolor!

Photo courtesy of www.watercolorresort.com


Market Snapshot of May Sales around 30A

This has been a FANTASTIC year for 30A Sales and May wasn't any exception!  With mortgage rates continuing to hold steady and the Summer Season, this is the BEST TIME to buy!  Take a look at these 30A stats below!


Grayton Beach State Park Ranked in the Top 10 Beach for 2019!

Grayton Beach State Park Ranked in the Top 10 Beaches
for 2019 by Dr. Beach

Everyone who has visited Grayton Beach State Park isn't surprised at the top honors recently given!  Not only is it ranked in the Top 10, it's been ranked as #3!
The Park, with almost 2,000 acres, offers a variety of adventures including fishing, paddling, hiking and biking trails, bird watching, camping and much more!  Stay in one of the cabins and experience all it has to offer!

Click here to see the Top 10 Beaches for 2019 by Dr. Beach!

Click here to visit the Grayton State Park website & make your plans today!


Florida economy poised for long, positive run

ORLANDO, Fla. – June 11, 2019 – A new report from Wells Fargo Securities indicates economic growth in Florida has continued to outpace the nation so far this year and has evolved to enhance long-run competitiveness.

"Its strong performance is particularly noteworthy given the severity of the Great Recession in Florida, and the considerable adversity the state has faced from devastating hurricanes, citrus greening, constant trade uncertainty and slower global economic growth," says Wells Fargo Senior Economist Mark Vitner.

"We expect economic growth to moderate this year, as the national economy slows," he adds. "Florida is poised to remain one of the nation's fastest-growing states, however, and growth remains remarkably broad-based across industries and geographies."

Florida average hourly wages have increased 2.8% over the year, construction has remained steady, and the housing market has returned to form.

"While moving in the right direction, home sales weakened late last year when mortgage rates spiked," Vitner says. "With sales moderating, homes are sitting on the market slightly longer, which is giving buyers a little more bargaining power. As a result, home prices have cooled, rising 4.6% year-over-year in March, which stands in contrast to the 6.2% rate hit this time last year. Price appreciation has moderated in both higher-priced markets, like Naples and Sarasota, and lower-priced areas, like The Villages, Ocala and Cape Coral."

Source: Sarasota Herald-Tribune (06/10/19) Hielscher, John


3 out of 4 millennials think they know how to sell a home

IRVINE, Calif. – Jun 12, 2019 – More than three-quarters of millennials feel very confident about how to sell a home, but very few have actually done so, according to a recent survey by sold.com.

Despite millennials' high confidence in knowing how to sell a home, they don't have the home selling experience to support it. Sellers ages 28 years and younger composed only 2% of the share of all home sellers last year according to the National Association of Realtors 2019 Home Buyers and Sellers Generational Trends Report (April 2019).

With older millennials (29-38 years old), 76% were selling a home for the first time.

Misplaced confidence could be detrimental financially, given that 59% of consumers between 18-34 years old plan to sell a home within the next three years, compared to 35% of people between ages 35-54 and 15% of consumers over 55 years old.

"In today's world, it's easy to build misplaced confidence due to the vast amount of information available online," says Matt Woods, president of sold.com. "While having many resources at our fingertips is certainly a good thing, it's important to utilize them effectively and to realize which ones are trustworthy and unbiased. This is particularly true for millennials who are selling homes for the very first time."

Millennial knowledge gap

The knowledge gap among millennials exists across many facets of home selling. For example:

  • 81% said a good credit score is important when selling a home – but a good credit score...

Upgraded Condo on Navarre Beach NOW AVAILABLE!


This beauty will not last long and comes Fully Furnished! Every Room but one has Views of the Santa Rosa Sound! Never Rented by Current Owners. From the moment you step in, you’ll be wowed by the First Class Furnishings and Décor, the owners loved this place and no detail was skipped, from Bead Board Ceilings, Shiplap Walls, Hardwood Floors & Tile, Recessed and Custom Lighting, to the tasteful Art, it all comes together perfectly for a Primary Home or the Perfect Secondary/Vacation Rental. Some additional features are Granite Countertops in the Kitchen, Cultured Marble Counters in the Bathrooms, Ceiling fans Throughout, Full-size
Laundry Room, Breakfast Bar, and Remodeled Kitchen and Upgraded Appliances as of 2017!

Outside the Front door of the Unit is a Common Area Balcony, where you can spend time and enjoy additional Views of the Santa Rosa Sound and the Gulf of Mexico. Gulf Island Condominiums are located just across the street from Gulf of Mexico’s Public Beach Access, close proximity to the Navarre Bridge for...

Congress Extends Flood Insurance through September

Congress extends flood insurance through September

 WASHINGTON – June 4, 2019 – The National Flood Insurance Program (NFIP) that millions of people rely on has gotten another temporary extension, as members of Congress renew efforts to work out a long-term proposal.

The NFIP extension through the end of September was tucked into a $19 billion disaster aid package the U.S. House approved in a 354-58 vote Monday evening. It now heads to President Donald Trump, who is expected to sign it.

This is the 12th temporary extension in two years. U.S. Sen. Bill Cassidy has led a bipartisan group of senators in calling for a long-term solution, rather than the piecemeal approach Congress has taken since September 2017, when the last major authorization ended.

"This ridiculous process has created significant uncertainty and anxiety for homeowners, renters, and small business owners in our states," the senators wrote in a joint letter last month.

House and Senate leaders from both parties have expressed optimism about the long-term talks. U.S. House Minority Whip Steve Scalise, R-Jefferson, said he believes a five-year agreement can be hashed out in the coming months before the program faces its next deadline.

In Cassidy's letter, senators called for a broader overhaul that factors in more accurate risk assessments, affordability components, mitigation funding and other improvements, including addressing "repetitive loss properties" through buyouts, elevations and other flood-proofing measures.


Top 5 Landscaping Tips to Increase Property Value

Landscaping is one of the most important ways to increase your property’s value quickly. In fact, a gorgeous landscape design can increase the value of your home by at least 5 to 11 percent—and maybe more. The best part about landscaping is that even though it’s one of the most valuable home improvements you can make, it’s also one of the easiest. If you’re wondering how to turn your landscape into one of your home’s most valuable assets, here are some tips to get you started.

Match Landscape to Your Home’s Style

The best way to get an excellent return on investment with landscaping is to make sure it fits with your home’s style. For instance, if you own a Victorian home, a Japanese garden will be sorely out of place and may even lower your home’s value rather than add to it. In this instance, you’re much better off with a country or cottage-style landscape that blends in with the old-fashioned formality of your home.

The same holds true for more modern home styles, such as the prairie or industrial...

4 Bdrm, 4 1/2 Bath Home in WaterSound West Beach with 2 Master Bedrooms!!

JUST REDUCED $35,000! This WaterSound West Beach home offers 2 master bedrooms and 4 total bedrooms, a bonus bunk room that sleeps 4, 4 full bathrooms and a powder room. Built in 2014 to the latest standards, this home offers hardwood floors throughout, 10 ft ceilings on the main level, gourmet kitchen with stainless appliances, granite counter tops and oversized living room with gas fireplace all overlooking the 10x28 screened in porch. Located on a private lot the home borders 2 community boardwalks for walking and taking in the natural setting of the community. WaterSound West Beach is a gated community located on the south side of 30A with dedicated community access to the beach, community pool, walking trails and access to Deer Lake State Park.