“Parlo Italiano” – I Speak Italian! – Destin, Florida

So, I’ve been studying Italian for ten years.  It’s more than a hobby, it’s a passion.  As part of my excitement for the Italian language, I have a tag line after my Realtor email signature that says “Parlo italiano” which means “I speak Italian”. This is for the off-off-chance that an Italian speaking person (or magari native!) ever reads one of my emails. Now, the chances of this happening are really slim, as Destin, Florida is not a huge metropolitan area, and I’ve been using that email signature for years.

First, I thought it would be interesting, something different for someone to know about me, and second, I was hoping beyond hope to be able to help an Italian buy or sell real estate in the Destin Florida area.  One of my business dreams is to actually work with an Italian, and use some of my language skills.

This morning I received a buyer inquiry about one of my new listings.  We texted back and forth, and I promised to email her some information about the property. She emailed back that she was shocked and delighted to read my tag line, “Parlo italiano”! She said she was from Italy, a dual citizen, living in another state!  She even emailed me in Italian! I responded in kind, with a huge smile on my face! (Later re-reading my email, I should have concentrated better as I made a grammatical error!) This was the first time I’ve ever had a person comment on my tag line!

Then, a few minutes later, I am not kidding, I received an email from a newly stationed Italian military member at Eglin Air Force Base looking for rental housing. I don’t handle rentals, but wrote back in Italian with information about a rental company who could help him.  We exchanged several emails, and I recommended to him, in Italian, a fantastic local  “ristorante”, Mimmo’s , where the proprietor is Italian. I told him about the Italian study program in our Niceville, Florida school system. I also invited him and his family to join my local Destin Meetup Group, Parliamo Italiano Emerald Coast.  He graciously accepted and said he was looking forward to introducing his “famiglia” to me (all in Italian!).

This was two Italian client encounters in one day! I don’t know where it will lead, but the doors are “aperte” (open)! Vorrei accogliere tutti che parlano l’italiano a mia zona a Destin in Florida!

A presto!

 

It’s Wendy… It’s Sold!

Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call 850-259-0422
Email Wendy: itswendy@rulnickrealty.com

Wendy Rulnick, Broker, lists and sells real estate in Destin, Santa Rosa Beach, 30A, Miramar Beach, Crestview, Sandestin, Seaside, Rosemary Beach, Okaloosa Island, Fort Walton Beach, Niceville, Freeport, Bluewater Bay, Navarre, Florida.

 

 

 

167 Starlight Ln., Santa Rosa Beach Florida Near 30A – For Sale

Just Listed – 167 Starlight Ln., Santa Rosa Beach, Florida 32459

Plush, exquisite simplicity. This elegant manufactured home has bamboo floors, vaulted ceilings, enchanting lighting, and stylish design throughout. An angled breakfast bar overlooks the living room. The fireplace has a new surround that picks up the muted greys of the kitchen. There is a tile backsplash and new gas oven/range and hood.

The walk-in pantry maximizes storage. Surprises await in the master bathroom with soaking tub. Three bedrooms plus office with French doors with upscale feel.

The outdoor living area elevates lifestyle, with an enormous, captivating screened porch with wood ceiling, cooling shades, ceiling fans, and outdoor gas fireplace. The roof is metal. New air conditioner. The location is prime to enjoy Gulf of Mexico beaches, dining and shopping. Less than 3 miles to famous 30A Scenic Highway.

167 Starlight Ln., Santa Rosa Beach FL 32459 is offered for $299,900.

  

Watch the virtual tour.

It’s Wendy… It’s Sold!

Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call 850-259-0422
Email Wendy: itswendy@rulnickrealty.com

Wendy Rulnick, Broker, lists and sells real estate in Destin, Santa Rosa Beach, 30A, Miramar Beach, Crestview, Sandestin, Seaside, Rosemary Beach, Okaloosa Island, Fort Walton Beach, Niceville, Freeport, Bluewater Bay, Navarre, Florida.

It Makes Me Not Want to Move!

 

I was on a listing appointment the other day at a very nice house off 30-A in Santa Rosa Beach, FL. It was lived in, but the finishes still looked good. I went through the house with the seller to advise him of things he could do to get the house ready for the market.  We noticed some areas that needed a little touch-up paint. The outside needed to be pressure-washed. There was one issue with a door that would require a contractor repair. Also, the home needed to be staged, and the many personal items stashed away. The wife was an interior decorator, so that would not be a problem.

The husband said, “Gosh, we are selling and doing these things now, it makes me not want to move.”  I have heard that same thing from sellers so many times and it resonates! I told him that I had been thinking that we should all take care of our homes, with maintenance, upgrades and updates, while we are living in the house instead of waiting until we are ready to sell! How much happier we would be!

 

And we all know those people.  Their houses are perfect. Their landscape is coiffed. The house is staged. Always. Their baseboards are spotless. Even the tops of their cabinets are clean. There is no dust on their blinds or door moldings. Their water heater is new. The air conditioner is new. The furniture is gorgeous. Open the drawers, open the closets, open the cupboards. Everything is organized, folded, and color coded.

 

 

After eight years in our “new” home, there are still half-completed projects and some we never got to. The lining of all the drawers and cabinets. The new doors that were installed with uncompleted trim. The neglected dings and paint projects. And the list goes on.

Every time I list a home where great care has been taken in its upkeep, I feel admiration and inspiration. That is the person I aspire to be. But I’m not there yet.

 

It’s Wendy… It’s Sold!

Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call 850-259-0422
Email Wendy: itswendy@rulnickrealty.com

Wendy Rulnick, Broker, lists and sells real estate in Destin, Santa Rosa Beach, 30A, Miramar Beach, Crestview, Sandestin, Seaside, Rosemary Beach, Okaloosa Island, Fort Walton Beach, Niceville, Freeport, Bluewater Bay, Navarre, Florida.

Mind Tricks for Living in a Tourist Town – Destin, FL

They are everywhere! The roads, the beaches, the stores! Tourists! Living and working in Destin, Florida brings its challenges.  Locals gather at the workplace lamenting about traffic on Highway 98, Scenic Gulf Drive and 30A, and how much more the roads can bear. Vacationers seem to have found a permanent home in our environs on the Emerald Coast.  It used to be just high season from the Spring to Fall, but in the past year, there are more people in town than I’ve ever seen.

Getting from the Mid-Bay Bridge to Sandestin used to be an easy 15 minutes on Highway 98. Now, there are bottlenecks due to construction and it’s more like 30.  Try for a shortcut on Scenic Highway 98, and it’s not any better.  Try getting to the beach from Driftwood Road, where my real estate office is, and you’ll have to dodge people walking four-by-four down the middle of the street, carrying beach bags, umbrellas and sunburns. There is no avoiding it, and them.

Of course, we love our tourists in Destin, Florida. They are the economic strength behind our coastal area.  They support the restaurants, hotels, condos, beach rentals and shops. That is all good. But instead of using logic and reasoning to override the typical mental snap of “Don’t they know how to drive?”, “Why are they so slow crossing the street?” “How many people does it take to buy chips in the grocery store?” “Is that golf cart licensed to be on the road?”, there are a few mind tricks I’ve learned to put me more in the “Om” moment with tourists.

Here they are:

  1. Patience. My mantra is “We are tourists, too.” When we locals visit another tourist place, like Cape Cod, Nashville, or Florence, Italy, we are “them”!  We don’t know where we are going. We crowd attractions. We are slow. We are aimless. Yes, we drive the locals crazy there.  So, they are “us”. Be patient with them.
  2. Kindness. Instead of criticizing the family leaving the beach, walking on the hot pavement in their bare feet, really “see” them.  Look at the cute little girl and her brother, with their sun hats and kid glasses, following their father and mother like ducklings. They are adorable! Smile!
  3. Have a “Vacation Mind”.  This is the greatest trick. Tourists aren’t just getting from point A to point B, from work to appointment to grocery store to home. They are in awe of our Destin area. They notice things we don’t have the time for (isn’t it true anywhere you live?). They appreciate the blazing white sand. They are enraptured by the blue-green Gulf of Mexico waters. They soak in our steamy climate.  They love Destin Harbor, the local fish, the cuisine, the trendy shopping.

Tourists remind us to appreciate what’s all around us.  Who has time for that? Maybe we should make time.

 

It’s Wendy… It’s Sold!

Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call 850-259-0422
Email Wendy: itswendy@rulnickrealty.com

Wendy Rulnick, Broker, lists and sells real estate in Destin, Santa Rosa Beach, 30A, Miramar Beach, Crestview, Sandestin, Seaside, Rosemary Beach, Okaloosa Island, Fort Walton Beach, Niceville, Freeport, Bluewater Bay, Navarre, Florida.

Is That Listing “Coming Soon”? Explained – Destin, Florida

You see them advertised everywhere in the Destin Florida real estate market– “Coming Soon! New Listing!” But, what does that mean, exactly? The Emerald Coast Association of Realtors is guided by rules regarding entering listings into the Multiple Listing Service (MLS). “Coming Soon” is a special category for listings that are not quite ready to be fully activated on the market, or so they say.

Key points about the “Coming Soon Status” for the Destin, Florida market are:

  1. It’s only a short-term status when preparing a property for active status
  2. It’s used to notify other Realtors that the listing will be made fully available to the public once preparations are completed.
  3. The listing may be in “Coming Soon” status for 30 days before being fully “active” in the MLS

But, what difference does it make? Not much. The Emerald Coast Association of Realtors allows showings of “Coming Soon” properties. Many Realtor association across the nation do not allow “Coming Soon” listings to be shown.  In other parts of the country, that category builds up anticipation for a new listing to be premiered. But, locally, in the Destin Florida market, that’s not the case.

Of course, a seller, with the advice of his agent, may decide to place a listing in the “Coming Soon” category and not allow showings. Then the listing may be activated once the property is ready.  On the other hand, many listings that are newly activated already have a date specified on when showings may begin.  For example, a newly active listing may state that showings may begin in two days, for a period of two days, and only between certain hours. That’s because the real estate market on the Emerald Coast of Florida is quite vigorous and there are normally multiple showing requests immediately upon MLS entry.

The bottom line is, if your agent sends you a listing that’s in the “Coming Soon” category, and you want to see it now – ask.

 

It’s Wendy… It’s Sold!

Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call 850-259-0422
Email Wendy: itswendy@rulnickrealty.com

Wendy Rulnick, Broker, lists and sells real estate in Destin, Santa Rosa Beach, 30A, Miramar Beach, Crestview, Sandestin, Seaside, Rosemary Beach, Okaloosa Island, Fort Walton Beach, Niceville, Freeport, Bluewater Bay, Navarre, Florida.

Sales Factors – How Important Are They in Pricing Real Estate?

What are terms and conditions of a real estate sale, and why are they important to know? When a listing “closes” in the Emerald Coast Association of Realtors MLS in Florida, a field is required where an agent enters “sales notes”. The requirement is as follows:

“Listings changed to a Closed status must include any applicable information regarding factors affecting the sales price in the Sales Notes section.”

It is important to know what terms or conditions affected a sale to help other real estate agents price new listings correctly, or to make adjustments to existing listings either with price or incentives. This information is also extremely important to real estate appraisers who are hired by lending institutions or individuals buying homes.

What are some terms and conditions that affect a sale price?

Some examples are:

  1. Seller paying buyer closing costs (like a credit to cover a percentage or dollar amount of buyer’s title insurance, loan expenses, points, lender charges, a property survey, inspections, etc.)
  2. Buyer paying seller closing costs (like real estate commission, doc stamps on the deed)
  3. Seller “crediting” the buyer for repairs (the credit could be a dollar amount applied towards buyer’s closing costs or pre-paying a contractor for the cost of the job)
  4. Agents waiving commission if it’s their own purchase or sale
  5. Buyer allowing a seller to remain in the property after closing, either with or without rent
  6. Property appraising under contract price. Was price adjusted downward or did buyer complete the purchase notwithstanding?
  7. Seller including furnishings that buyer wants
  8. Seller doing repairs for a buyer prior to closing (that may have been noted in a home inspection or termite inspection)
  9. Seller doing upgrades for a buyer prior to closing (like painting a house, putting on a roof, installing a new water heater – some of these are Florida specific items due to Florida insurance issues)
  10. Buyer allowing seller to use the property (if it’s a rental) at a future date, or dates, free of charge, or for reduced rate, as an incentive to accept a lower sales price
  11. Multiple offers which created bid atmosphere and pushed up pricing
  12. Buyer paying for upgrades which increased sales price (new construction add-ons or customization).
  13. Seller paying homeowners association or condo association special assessment in full or part, and for how much
  14. Buying agreeing to pay special assessments
  15. Seller including boat, car, golf cart, bikes, etc.
  16. Buyer waiving home inspection or other inspections
  17. Buyer using Florida escalation clause
  18. Property selling “as is”, if major repairs were needed, that should be noted
  19. Buyer paying cash
  20. Buyer closing faster than normal
  21. Seller financing

 

If I were doing a market analysis for a new Destin Florida listing, how would some of these sales terms affect my pricing suggestion? If similar properties sold for a certain amount, but they were sold furnished, and my seller did not want to sell furnished, that may reduce his sales price.  If a seller of a similar property were allowed a month extra to stay in the house, but my seller wasn’t asking for a free rent back, then his price may be higher.  If a similar property sold without a home inspection, then that’s a buyer contribution to price, so my listing might sell for more.  If a similar property sale included a golf cart and boat, but my listing does not, it may sell for less. Is this making sense?

Of course, there are many other pricing factors, but sales terms and conditions are critical to analyze the current market for the property.

It is our duty to the public to use our best skills and abilities to recommend a correct listing price to our sellers. Noting sales factors is imperative.

 

It’s Wendy… It’s Sold!

Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call 850-259-0422
Email Wendy: itswendy@rulnickrealty.com

Wendy Rulnick, Broker, lists and sells real estate in Destin, Santa Rosa Beach, 30A, Miramar Beach, Crestview, Sandestin, Seaside, Rosemary Beach, Okaloosa Island, Fort Walton Beach, Niceville, Freeport, Bluewater Bay, Navarre, Florida.

Want That House? How to Beat the Other Offer – Florida Escalation Addendum

Do you want that house? You can bet others do, too. Chances are that when you make an offer on a Destin, Emerald Coast of Florida, house or condo, there will be at least one competitor trying to outbid you. If you had your agent ask the right questions first, you could only hope that the seller would pick your offer.  But you may have another option.

Florida Realtors has just released an official “Escalation Addendum” for use with the Florida real estate contract (either the FR/BAR, CRSP, commercial contract, or vacant land contract). An escalation addendum, or escalation clause, states that the offer price will automatically go up if certain conditions are met. By using this new addendum, you may potentially outbid the highest competing offer up to an amount you specify.

How does the Florida Escalation Addendum work? Let’s look at an example:

  1. Your agent found you a home in a very popular neighborhood, for example, in Bluewater Bay. Houses stay on the market there for less than a day, and most sell for over asking price. It’s a huge military and retirement community that has a very fast real estate market.  You’ve been looking for weeks and this is the house!
  2. Let’s pretend the house is listed for $500,000. With the advice of your agent, you are going to write an offer for $515,000.  The only catch is, there will likely be a dozen competing bidders, all of them submitting by the offer deadline. You decide that your maximum price in this situation would be $530,000, or $30,000 over asking price. You don’t, however, want to offer $530,000 initially and give all your  money away if you don’t have to.  That’s where the escalation addendum comes in.
  3. The Florida Escalation Addendum would specify the amount by which you are willing to increase your offer over a competing offer.  For example, you could state you would be willing to pay $5000 over another offer.  If the highest offer was $520,000, your offer would change to $525,000.  If the highest offer was $527,000, your escalation addendum stated you would not go over $530,000, so that would be your highest offer- not $532,000. Does that make sense?

What are the Florida Escalation Addendum’s stipulations?

  1. The Competing Offer that the seller may choose to show you (with buyer’s name redacted), must still be in effect. In Florida, offers have an expiration date.
  2. The Competing Offer must be bonafide. The seller cannot have trumped up a fake offer to entice you to offer more.
  3. You must specify if you will pay cash or finance any increased amount. You must show proof of the ability to do so along with the addendum.

What’s the catch?

There are several. First of all, the seller does not have to respond to your Escalation Addendum. It can be confusing and gimmicky. They may ignore your offer, or simply counter offer you without regard to your Escalation Addendum.  Why would they not outright counter with the maximum price you stated you would pay? On the other hand, “price” may not be the most important criteria to the seller.  They may like the terms of another offer better, even though the purchase price may be less. They might like the structure of another offer better. The seller may choose to simply ask for the “highest and best” offer from all parties. There could also be multiple offers with escalation addenda. What a mess!

Should you use the Florida Escalation Addendum?

It’s a matter of style. Some buyers prefer a more straightforward approach, rather than using a potentially confusing clause.  If you know what your highest offer is, why not just offer it?  Your agent should also ask the listing agent if the seller would be receptive to such an offer.

If you choose to use an Escalation Addendum, I recommend using the Florida Realtors’ addendum.  Previously, some Florida real estate agents would scribble something they made up to formulate an “escalation” clause. This was risky, because a real estate agent is not an attorney, and constructing complex clauses is not a good idea without legal advice.  The official Escalation Addendum is a form you can have confidence in, should you choose to use it.

 

It’s Wendy… It’s Sold!

Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call 850-259-0422
Email Wendy: itswendy@rulnickrealty.com

Wendy Rulnick, Broker, lists and sells real estate in Destin, Santa Rosa Beach, 30A, Miramar Beach, Crestview, Sandestin, Seaside, Rosemary Beach, Okaloosa Island, Fort Walton Beach, Niceville, Freeport, Bluewater Bay, Navarre, Florida.

The Dogs Bark; The Caravan Passes

So, I have a Zen page-a-day calendar that I am trying this year. It gives me something to ponder and maybe a way to grow.  Some of the Zen quotes are long, and I am too impatient to study them.  Sometimes I cheat and look ahead. And some quotes stick with me.  Those are the ones that make it up to my computer terminal. They are taped to the bottom of my screen until they become ingrained, or are no longer needed.

A particular quote has stayed with me and survived the year: “The dogs bark; the caravan passes“.

How I interpret this Arabic proverb is to visualize a caravan in the desert, with dogs barking as it passes.  (You can use a modern day car – dogs bark at them, too!) Whatever happens, the caravan does leave the picture, and the dogs become silent. The caravan will always pass. To me, it means that whatever trouble or trifle is happening, it will end. For example, it could be a work annoyance,  or something deeper.

After a kerfuffle, however much I let the “thing” bother me, the situation solves itself. It’s up to me how much import and attention I want to give it.

Little did I know that my personal interpretaion of this proverb was not its intent, per my google research. Apparently, the quote is supposed to mean that progress goes forward, no matter what the noise or criticsm.  So move ahead. However, I think its meaning to me was what is was supposed to mean – to me.

 

It’s Wendy… It’s Sold!

Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call 850-259-0422
Email Wendy: itswendy@rulnickrealty.com

Wendy Rulnick, Broker, lists and sells real estate in Destin, Santa Rosa Beach, 30A, Miramar Beach, Crestview, Sandestin, Seaside, Rosemary Beach, Okaloosa Island, Fort Walton Beach, Niceville, Freeport, Bluewater Bay, Navarre, Florida.

Fast Chicken and Broccoli Stir Fry – Get the Recipe

Being a Food Network addict, I got excited watching the “Kitchen” where celebrity chef Jet Tila was demonstrating his easy stir-fry recipe.  It looked incredible, so I gave it a try, and also bought his book “101 Asian Dishes You Need to Cook Before You Die”. Now, we end up making a couple of meals from Jet’s book each week. Of course, I throw in some modifications.

My Chicken and Broccoli Stir Fry is fast, healthy, and delicious. It will only take about ten minutes to prepare and five minutes to cook!

Ingredients:

1 pound broccoli florets
Can of sliced water chestnuts (my addition – you can add any vegetables, like onions, scallions, shallots, cauliflower, canned baby corn, beans, you get the picture)
1 T soy sauce
1 t sesame oil
2 t cornstarch, divided
1 t baking soda
1 lb chicken thin sliced
1/3 cup chicken stock
2 t rice wine
1/4 c oyster sauce
2 T vegetable oil
2 cloves minced garlic
Thai basil (I found this at Whole Foods in Destin- but I added it – you don’t need it)

(Don’t be intimidated by the oyster sauce and rice wine. You can get them at any grocer in the Asian food section!)

Directions:

Mix soy sauce, sesame oil, 1 teaspoon of the cornstarch, and baking soda in medium size bowl.  Add the chicken, stir and let it marinade for at least 20 minutes, or for several hours. If it’s beef, I often let it marinade all day)

In small bowl, whisk the chicken stock, oyster sauce, rice wine and remaining 1 teaspoon cornstarch. Set aside.

Heat the vegetable oil in wide sautee pan or wok.  When screeching hot, add the marinated chicken and minced garlic. Stir fry for one to two minutes. Add the broccoli and water chestnuts, stir fry for a two minutes.  (Note – if you like softer broccoli, you can pre-microwave it a little prior to cooking).  Add the stock, oyster sauce, cornstarch mix from the small bowl, and stir fry another minute. (I did add some pre-cooked shrimp at the end! – Play with this!)

Can you smell it?

Garnish with Thai basil and serve with a fortune cookie!

 

It’s Wendy… It’s Sold!

Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call 850-259-0422
Email Wendy: itswendy@rulnickrealty.com

Wendy Rulnick, Broker, lists and sells real estate in Destin, Santa Rosa Beach, 30A, Miramar Beach, Crestview, Sandestin, Seaside, Rosemary Beach, Okaloosa Island, Fort Walton Beach, Niceville, Freeport, Bluewater Bay, Navarre, Florida.

Yikes! Our Florida Homeowners Insurance Just Doubled!

First, we received a homeowners insurance cancellation notice for our Niceville Florida investment property.  Their mobile inspection had shown that there was some wood rot on the side of the house.  Although common in Florida, they said if it was not fixed within 30 days, they were going to cancel the policy. Scramble. My husband and I called a few contractors, and the price to replace the siding with comparable material was about $10,000.  So we thought, “Why not replace it with vinyl siding?”

The only problem was, we couldn’t get any vinyl contractors to call us back.  One finally responded, and we accepted their proposal for $22,000. The issue was… when could they do the work? It turns out… maybe never.  New paperwork showed that the work was to be done “at a future date to be determined”, and their price was mysteriously going up by $2000.  So, the next and only contractor we could get was… my husband.  He replaced the siding himself. Problem solved? Not exactly.

The homeowners insurance company then told us the policy for the Niceville Florida house was going to DOUBLE! That’s right, from  $3200 to $6400 per year. This is a little house – 1200 square feet, built in 1987.  (I mentioned this to my father in Connecticut, who told me the insurance for his house, about the same size, was only $800 per year! That’s less than 15% the insurance cost of a similar home in Florida!)

Of course, Florida has more insurance risk due to hurricanes. Part of the reason for rising insurance costs is industry losses of $30 billion dollars from Hurricanes Irma and Michael. But pricing a policy at $533 per month would kick affordability out for a typical buyer in the range of $250,000 to $300,000 home purchase.  It would make the total monthly mortgage and insurance payment go up by 50%!

What could be done to lower our insurance policy cost? The insurance company said we would have to replace the water heater, even though it worked fine, with one that was new. Also, they recommended a Wind Mitigation study to verify that the roof structure could withstand hurricane force winds, and a “4-Point” inspection, which checks the plumbing, heating/air conditioning, electrical system, and roof, to ensure they are adequate.

In order to obtain the best homeowners insurance rates in Florida, or to be insurable at all,  the following criteria are often used (courtesy Gilmore Insurance in Fort Walton Beach, Florida):

  1. Roof – A single roof should be no more than 15 years old, however with the attached roofing inspection showing the roof has a minimum of 5 years left on it, it is possible to get a company to accept the home; it will be more expensive though.  Some will only cover the roof at Actual Cash Value and other may not cover the roof at all.  Metal roofs are different, they will usually take those up to 40 years old.
  2. Wiring – There can be no aluminum or cloth wiring in the home.  If there is aluminum there is a special connector called, Alumi-Con that some companies are beginning to accept.  There is also a handful of electrical boxes that they will not take as well.
  3. Heating & A/C – Must be in good working order.   15 years at the oldest.
  4. Plumbing – The water heater must have been manufactured not replaced within the last 15 years.  If any of the plumbing in the home is cast iron, that is becoming harder and harder to place as well.  No PEX plumbing.

ALAS, after we have accomplished the required upgrades and received passing reports on this Niceville Florida property, our insurance policy will go down from $6400 to $4000 – which is still an increase of 25% from last year’s policy. We can live with that.

 

It’s Wendy… It’s Sold!

Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call 850-259-0422
Email Wendy: itswendy@rulnickrealty.com

Wendy Rulnick, Broker, lists and sells real estate in Destin, Santa Rosa Beach, 30A, Miramar Beach, Crestview, Sandestin, Seaside, Rosemary Beach, Okaloosa Island, Fort Walton Beach, Niceville, Freeport, Bluewater Bay, Navarre, Florida.