Emerald Coast Pending Sales Down Since COVID-19

Real estate sales on the Emerald Coast of Florida have decreased since the COVID-19 crisis began.

Looking at the entire region, including Navarre, Fort Walton Beach, Destin, Santa Rosa Beach, Miramar Beach, Freeport, Niceville, Point Washington and DeFuniak Springs, pending sales of real estate have decreased from 790 units to 446 total units from the first two weeks of March 2020 to the first two weeks of April 2020.  That’s a drop of 43% in the number of houses, condos, town homes and lots going under contract.

Individual Pending Sales by area from the period of March 1 – March 15 as compared to the period between April 1 – April 15 were as follows:

Destin Pending Sales dropped from 51 to 22  ( -56%).

Niceville Pending Sales dropped from 57 to 38  ( – 33%).

Fort Walton Beach Pending Sales dropped from 123 to 82 ( – 33%).

Miramar Beach Pending Sales dropped from  67 to 25  (- 62%).

Santa Rosa Beach, North of Hwy 98, Pending Sales dropped from 37 to 19 (- 48%).

Crestview Pending Sales dropped from 120 to 75 (- 37%).

30-A South Walton, South of Hwy 98 Pending Sales dropped from 102 to 34 (- 66%).

Decidedly, the Coronavirus economic effect has had an impact on Emerald Coast real estate.

 

If you find that during or after the COVID-19 crisis, you must sell your Emerald Coast real estate, consider your options. Let me know if you have any questions about real estate, whether traditional or short sale.

It’s Wendy… It’s Sold!

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

Wendy Rulnick, Broker, sells short sale, pre-foreclosure, REO and traditional real estate in Destin, Santa Rosa Beach, 30A, Miramar Beach, Crestview, Sandestin, Seaside, Rosemary Beach, Fort Walton Beach, Niceville, Bluewater Bay, Navarre, Florida.

This site, Wendy Rulnick or Rulnick Realty, Inc. is not providing legal or tax advice. The information provided is for educational and informational purposes only. It is recommended that sellers considering a short sale should consult an independent legal and tax advisor for more information.

Statistics source is Emerald Coast Association of Realtors.

Time for Cleaning Out

I am a little behind the times, given that a lot of people have been cleaning and organizing since the inception of the Florida Stay-at-Home order. After three weeks, it finally got to me. It has been a time of accounting and personal reflection, and it manifested in ordering and upgrading. What do we really need? What services do we really use? What stuff is necessary?

Long overdue was the cleaning out of my storage unit in Destin. I had this unit for 25 years, from when I first relocated to Florida.  It morphed from the original junk I moved here from Connecticut, into a packed repository of real estate signs, office furniture, and files, until twelve years ago, when I built my current office.  I hadn’t been to the unit in that many years, but I was still paying the bill. I finally said “enough” and brought my husband with me to look, grab what I wanted (my mother’s original china collection), and have Junk-A-Way take the rest. I didn’t even know if the rolling door would open.

Well, it did. The first horrifying thing that happened when we opened it, after the musty folders tumbled off a filing cabinet to the ground, was the “hand”.  I am not making this up. It was one of those Halloween hands that is on top of a candy jar that scares you when reaching in. It was green. And it was covered in cobwebs.

That aside, it was an adventure getting into the unit.  At 10′ x 10′, it was packed with old desks, shelving units, filing cabinets, printers, computers, boxes of files, giant real estate signs, and my grandmother’s piano. What I really wanted was far in the back. My mother’s china. I had pined for that for years. My poor husband had to move box after box outside the unit, until we were far enough in to find boxes labeled “china”.  Other treasures that I didn’t expect, including an old coin collection, a hunting bow, racquetball racquets, and an old recording of me on a newscast, was a box of photos from my real estate days in Connecticut. Oh, the perm.

So, the cleaning, ordering and upgrading continues. Since then, I’ve gone through drawers of jewelry rarely worn, with boxes ready to give a friend to re-purpose. I’ve organized my office, throwing out junk. I’ve cancelled services that were add-ons that I didn’t really need.  And I lowered my cable bill. I didn’t realize I was paying for a long abandoned phone number, snuck onto page four of the fine print, for years. I am not done. Are you?

It’s Wendy… It’s Sold!

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

Wendy Rulnick, Broker, sells traditional real estate and short sales in Destin, Santa Rosa Beach, 30A, Miramar Beach, Crestview, Sandestin,  Rosemary Beach, Fort Walton Beach, Niceville, Bluewater Bay, Navarre, Florida.

Predictions for the Destin – Emerald Coast of Florida Housing Market – April 2020

What are the predictions for the Destin, Emerald Coast of Florida real estate market? How is the COVID-19 crisis going to affect home sales in the coming months? This I was asked by one of my good clients. Here is what I told him.

February and March home sales were strong, and better than a year ago. However, a major change took place in the Destin-Niceville market after April 1.  That’s when the Florida stay-at-home order was implemented in response to the novel Coronavirus.  All, but essential services, were allowed to stay open in Florida. Home showings decreased on many listings.

Comments from Realtors who lost sales, cited these reasons:

  1. Cash buyers lost money in the stock market.
  2. Commercial buyers were afraid to invest in a new business.
  3. Equity line buyers had their equity lines frozen.
  4. Eglin AFB and Hurlburt PCS orders were put on hold.
  5. Sellers withdrew listings.

Other observations that may affect the housing market are:

There will be a slowdown in mortgage lending, because big banks are increasing credit score requirements and down payment percentages (700 minimum credit score and 20% down). They have lost liquidity from the many forbearance requests from their current borrowers, but they still have to pay their investors. That will make properties harder to sell, as the buyer pool will be reduced.

Builder confidence is at the lowest level in nine years, per the National Association of Home Builders.

Institutional iBuyer companies who buy homes from individual owners are scaling back or stopping completely to preserve capital.

Fannie Mae predicts U.S. home sales will fall by 15% this year.  They also predict that median house prices will go up slightly.  This could be because inventory levels will decrease.

The SBA Economic Injury Disaster Loan program was changed to reduce grant monies to companies, now capping at $1,000 per employee, up to $10,000, not a full $10,000, as previously stated. This is a blow to companies and their employees.

2.9 million mortgages are in forbearance.

24% of small businesses may close permanently.

Then, there’s unemployment. It’s at the highest level since the Great Depression.

The Emerald Coast is diverse enough to attract multi-million dollar purchasers to Destin and 30-A, and a steady flow of military servicemen and women to Navarre, Fort Walton Beach and Niceville.  The luxury buyer and seller, and Eglin Air Force Base and Hurlburt Field buyers and sellers should be able to prop up their market segments.  And despite national statistics, some local builders are doing well and custom building should continue.

However, small business owners and others whose income has been reduced or eliminated, would cause a slowdown of sales and downward pressure on pricing. Real estate sales on the Florida Panhandle are down by 45%. The next few months will shed more light on how the Emerald Coast will recover.

Wendy Rulnick, Broker
Rulnick Realty, Inc.

direct: 850-259-0422 email: itswendy@rulnickrealty.com

If you are considering selling now or after the COVID-19 crisis, contact me to explore how, whether by traditional or short sale.

Bank of America Offers Mortgage Forbearance – Not Deferral

If Bank of America is your mortgage servicer and your ability to make your Destin, Florida mortgage payments has been affected by the COVID-19 crisis, be careful asking them for assistance.  Bank of America, one of the biggest U.S. mortgage servicers, recently changed their home borrower website to reflect choices of either mortgage forbearance or mortgage deferral for those who are struggling and want to avoid foreclosure.  A week ago, Bank of America only offered forbearance on their website. Most people don’t know the difference. Mortgage forbearance is a delaying of payments due. This may be for a period of three months, six months, or even longer.  At the end of the forbearance period, you may have to pay back all your missed payments at once in a lump sum.  (Yikes!)

Mortgage deferment, or deferral, on the other hand, would allow you to add the skipped payments to the end of the loan by extending the loan term, or obtaining a second mortgage that would not be payable until the first mortgage is paid off e.g. when you sell the house. (As of April 1, FHA or HUD backed mortgages will allow mortgage deferment during the Coronavirus crisis). Mortgage deferment is more palatable to many people, because who would suddenly have enough money for three to six months of payments, if they had asked to skip them in the first place?

Take note, however, you won’t automatically get a deferment even if you check the right box on the Bank of America website. They will tell you that if you have a Fannie Mae or certain other government-backed loan, they cannot offer you a deferment. If you choose forbearance, in that case, you may have an option of spreading out the missed payments to re-pay them after the forbearance period ends, modifying your entire mortgage to include those payments, or paying the full amount in a lump sum, as specified in the CARES Act.

After you request mortgage assistance online, Bank of America will send you a follow-up email and mail you one or two letters.  The first, a forbearance letter, and the second, a letter offering you a dedicated mortgage specialist to discuss your situation.  (Obviously, they have not refined their system yet.) If you are not sure how to proceed, keep following up with them, as the mortgage assistance programs are changing regularly.

Here is a copy of a Bank of America forbearance letter.

If you find that during or after the COVID-19 crisis, you must sell your Emerald Coast real estate, consider your options. Contact me to explore whether it’s realistic and how you may accomplish it, whether by short sale or traditional sale.

It’s Wendy… It’s Sold!

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

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

Modern Confessions of a Real Estate Broker – Destin, FL

The signs above are posted at my Destin, Florida real estate office. “No Admittance if You Are Sick” and “Maintain Social Distance” (with a lovely picture of an alligator to indicate how far). Am I paranoid? Maybe. But I don’t think so. Even though Florida real estate is a deemed an essential service, I usually don’t have walk-in customers. I have a few tenants who don’t, either, but this acts as a reminder, just in case the errant person comes in. Oh, there are warning signs posted on the front door, too.

Nowadays, we normally only get the poor UPS delivery man.  At least previously, he had been able to take a chocolate from my candy jar to reward him for his labors.  I used to have it on the front desk filled with miniature Hershey bars, Snickers, and M&M’s. I removed it after realizing that lots of hands rummaged through.  Unclean hands.  Virus hands. Now on the front desk, instead, there is a box of Clorox wipes that reminds me to clean off the front door handle and to run it up the banister to the second floor.  You see, somebody else uses that banister.

When all this started, I provided a bottle of hand sanitizer in the office bathroom, so thoughtful.  After a week or so, I ended up bringing it into my personal office, for fear it would be taken. It was only a two ounce bottle. I thought about that over a weekend with some guilt.

I also locked up the 40 toilet paper rolls that were in the supply closet for anyone to take. I realized that might become important when the most-discussed topic of conversation had become “toilet paper”, even with casual acquaintances.  I packaged them up into two large bags and hid them away. I came into the office to do it when no one else was here, and I did it fast.

 

It’s Wendy… It’s Sold!

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

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

How I Made Homemade Hand Sanitizer – And You Can, Too

I made home-made hand sanitizer. I am not crafty. I am not a geek. I am not mechanical. But I did it!  Unable to find hand sanitizer in stores after multiple attempts and seeing exorbitant prices online, I gave up.  Over the last few years, hand sanitizer was a popular gift from mortgage lenders trying to win my business. I had a few little bottles saved, three, to be precise.  I hate to admit I may have tossed some away. What a mistake.  Scrupulously washing my hands and using hand sanitizer now, both at my Destin real estate office (in Florida, real estate is an essential service) and in the car, I am starting to run low.  Horrors!

Many of the online do-it-yourself sites say to make home-made hand sanitizer with 60% isopropyl alcohol and aloe vera.  I dug in my medicine cabinet and found we had 70% isopropyl alcohol. My engineer husband told me that it didn’t matter. I was a little worried that I might burn my skin off with the wrong mixture, but I found my pre-made bottle of Purell advanced has 70% ethyl alchohol, (is ethyl alcohol the same as isopropyl alcohol?), so I felt a bit more confident.

Next, I grabbed a kitchen funnel, large glass measuring cup, bowl and paper towels to catch spills. I mixed up the alcohol and aloe vera with a spoon in the measuring cup, one-third aloe vera and two-thirds isopropyl alchohol (some online formulas vary), then used the funnel to pour them into my bottles.  (I had fortunately saved some GoToob travel bottles that were perfect for this use!)

Voila!  My husband and I now have enough hand-sanitizer to get us through a couple months!

It’s Wendy… It’s Sold!

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

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

Foreclosures Postponed in Florida for 45 Days – Destin FL

If you are having trouble paying your mortgage and are facing foreclosure in the Destin, Niceville and Fort Walton Beach areas, relief is available. There is now a moratorium on Florida foreclosures from April 2 through May 17, 2020, per order of Governor Ron DeSantis. Executive order 20-94 states that the COVID-19 emergency has impacted people’s ability to make single family residential mortgage payments. The order suspends “any statute providing for a mortgage foreclosure cause of action” under Florida law and hints at an extension of the moratorium beyond the 45 days. This does not mean you are relieved of your mortgage debt, past due monies owed, nor future loss mitigation and foreclosure.

The new Florida foreclosure order mimics the foreclosure hold specified in the federal CARES Relief Act, but goes beyond it. The CARES Act only places a moratorium on federally backed mortgages, including Fannie Mae, Freddie Mac, FHA, VA, USDA and HUD.  The Florida foreclosure moratorium suspends foreclosures for any type of mortgage.

If you are experiencing difficulty making your mortgage payments, reach out to your lender or mortgage servicer for assistance. You may be eligible for forbearance of your payments for 90 or 180 days, or more. Be careful when requesting forbearance, as compared to mortgage deferment. With forbearance, your skipped payments may be due all at once at the end of the forbearance period. For example, if you are allowed to skip $6000 of mortgage payments for three months, at the end of three months, you would pay the $6000 back at once. Alternatively, your lender may offer you a loan modification at the end of the forbearance period, or offer to spread out the missed payments over several months.  Or, they may offer you reduced mortgage payments for 90 days or more. You would pay it back over a specified amount of months. A mortgage deferral, however, would allow you to add your missed payments to the end of the mortgage term.  Obtain clarity from your lender as to exactly what they are offering. Consider consulting with an attorney for further guidance.

Finally, you may be able to avoid foreclosure by short sale. If you are contemplating selling your Emerald Coast real estate, contact me to discuss how.

It’s Wendy… It’s Sold!

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

Wendy Rulnick, Broker, sells traditional and short sale real estate in Destin, Santa Rosa Beach, 30A, Miramar Beach, Crestview, Sandestin, Seaside,  Fort Walton Beach, Niceville, Bluewater Bay, Navarre, Florida.

This site, Wendy Rulnick or Rulnick Realty, Inc. is not providing legal or tax advice. The information provided is for educational and informational purposes only. It is recommended that sellers considering a short sale should consult an independent legal and tax advisor for more information.

Florida Real Estate Services – Essential – But Should You Sell?

Florida’s “Stay-At-Home” order to reduce the spread of COVID-19, limits many Destin, Niceville and Emerald Coast business activities, but allows real estate sales to continue.  Governor Ron DeSantis’ state-wide mandate requires Florida residents to  restrict their “movements and personal interactions outside of their home to only those necessary to obtain or provide essential services or conduct essential activities.” But is it really wise to allow real estate sales transactions to continue?

Is it worth the risk to allow Realtors, buyers, inspectors, appraisers, repair persons and photographers to enter the premises and potentially catch or spread the lethal Coronavirus? Is it worth the risk to you and to others? Precautions aside (stay 6′ apart, hand sanitizer, virtual showings, etc.), should you even bother trying to sell when many buyers will not be in the market during this national crisis? (Why are there fewer buyers? Other states have “Stay-At-Home” orders, people are afraid, people are sick, there are limited monetary resources to make purchases, etc.)

There are cases, however,  when selling a Destin, Niceville or Fort Walton Beach home may still be necessary, as in emergency financial situations.  Some examples may be: the need to move out of state to care for a loved one, sell a property to garner cash funds to cover living expenses after job loss, vacant rental properties, divorce, death of a spouse, medical issues, retirement, Eglin AFB or Hurlburt Field PCS orders, etc. As an alternative to selling your house, condo or investment real estate, there may be other remedies that can help you through difficult financial situations.

The CARES Act addresses relief for federally backed mortgages, including Fannie Mae, Freddie Mac, VA, HUD, USDA, FHA (including reverse mortgages) with a means to defer payments for three months to a year.  There is a foreclosure moratorium for a year and a halt on pending foreclosures for 60 days as of now.  You will not be charged late fees nor negative credit reporting. If you call your lender and ask for a mortgage payment deferral, some large lenders will immediately tell you that you may skip your payments and they will be added to the end of the loan, extending the loan term. For example, if you have 40 months left on your mortgage, and you are allowed to skip three months, you will then have 43 months left on your loan term.  Bank of America, Wells Fargo, Ally Bank are some examples.  In fact, even if you have a commercial mortgage, like I do with Wells Fargo, they will also defer your commercial mortgage payments.

Some mortgage lenders, however, are stating you must pay any missed payments back in one lump sum, at the end of the forbearance period.  Obviously, this won’t be feasible for most borrowers who have lost their jobs, significant income and savings during the Coronavirus crisis. In these cases, lenders may offer you a loan modification or agreement to spread out the past-due payments. According to Florida Realtors, this is incorrect, and most lenders will soon offer deferment of missed payments to the ends of the loan terms.

If you find that during or after the COVID-19 crisis, you must sell your Emerald Coast real estate, consider your options. Contact me to explore whether it’s realistic and how you may accomplish it, if you decide it’s your best course of action.

Reach out to me with any questions about short sale or traditional sale now or in the coming months.

It’s Wendy… It’s Sold!

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

www.shortsales-emeraldcoast.com

Wendy Rulnick, Broker, sells real estate in Destin, Santa Rosa Beach, 30A, Miramar Beach, Crestview, Santa Rosa Beach Fort Walton Beach, Niceville, Bluewater Bay, Navarre, Florida.

New Florida COVID-19 Real Estate Addendum – Destin FL

 

Coronavirus affects Destin and Niceville Florida real estate contracts

How could the COVID-19 coronavirus pandemic affect real estate transactions in Florida?  Could there be delays in closing and inspections?  Possibly. Therefore, Florida Realtors created a new contract addendum which can extend specific deadlines of the transaction.  The COVID-19 addendum says: “The Coronavirus (COVID-19) pandemic may cause unprecedented impacts to real estate transactions, including but not limited to travel restrictions, self-imposed and/or governmental required isolations, potential closures of offices and institutions required to fund, close and record real estate transactions, and action or inactions of a homeowners’ or condominium association.”

For example, if a buyer were flying to VPS airport to close on their new home, but at the last minute, air travel from their state or into Florida were blocked, that could delay a closing.  If the buyer’s home was to close first, but his state shuts down the title companies, that would affect closing.  Or if his buyer on his home could not close due to being ill with the virus. If a seller of a Destin property had Coronavirus and was self-isolating in the property, it could disrupt both inspections and the closing.  Businesses and entities that are necessary to close include lenders, title companies, attorneys, insurance companies, inspectors, county departments, like the Clerk of Court, and on and on. We don’t yet know to what extent real estate will be affected.

The Florida COVID-19 real estate contract addendum is here:

Florida Coronavirus Real Es… by Wendy Rulnick on Scribd

If you are considering selling your Emerald Coast real estate and are concerned about how the COVID-19 coronavirus may affect your sale, please contact me. We will walk through scenarios and precautions to help you decide “if, when, and how” you can accomplish your sale.

It’s Wendy… It’s Sold!

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

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

Economists Discuss Covid-19 and the Housing Market – Destin FL

Three Reasons Why This Is Not a Housing Crisis

Three Reasons Why This Is Not a Housing Crisis | MyKCM

In times of uncertainty, one of the best things we can do to ease our fears is to educate ourselves with research, facts, and data. Digging into past experiences by reviewing historical trends and understanding the peaks and valleys of what’s come before us is one of the many ways we can confidently evaluate any situation. With concerns of a global recession on everyone’s minds today, it’s important to take an objective look at what has transpired over the years and how the housing market has successfully weathered these storms.

1. The Market Today Is Vastly Different from 2008

We all remember 2008. This is not 2008. Today’s market conditions are far from the time when housing was a key factor that triggered a recession. From easy-to-access mortgages to skyrocketing home price appreciation, a surplus of inventory, excessive equity-tapping, and more – we’re not where we were 12 years ago. None of those factors are in play today. Rest assured, housing is not a catalyst that could spiral us back to that time or place.

According to Danielle Hale, Chief Economist at Realtor.com, if there is a recession:

“It will be different than the Great Recession. Things unraveled pretty quickly, and then the recovery was pretty slow. I would expect this to be milder. There’s no dysfunction in the banking system, we don’t have many households who are overleveraged with their mortgage payments and are potentially in trouble.”

In addition, the Goldman Sachs GDP Forecast released this week indicates that although there is no growth anticipated immediately, gains are forecasted heading into the second half of this year and getting even stronger in early 2021.Three Reasons Why This Is Not a Housing Crisis | MyKCMBoth of these expert sources indicate this is a momentary event in time, not a collapse of the financial industry. It is a drop that will rebound quickly, a stark difference to the crash of 2008 that failed to get back to a sense of normal for almost four years. Although it poses plenty of near-term financial challenges, a potential recession this year is not a repeat of the long-term housing market crash we remember all too well.

2. A Recession Does Not Equal a Housing Crisis

Next, take a look at the past five recessions in U.S. history. Home values actually appreciated in three of them. It is true that they sank by almost 20% during the last recession, but as we’ve identified above, 2008 presented different circumstances. In the four previous recessions, home values depreciated only once (by less than 2%). In the other three, residential real estate values increased by 3.5%, 6.1%, and 6.6% (see below):Three Reasons Why This Is Not a Housing Crisis | MyKCM

3. We Can Be Confident About What We Know

Concerns about the global impact COVID-19 will have on the economy are real. And they’re scary, as the health and wellness of our friends, families, and loved ones are high on everyone’s emotional radar.

According to Bloomberg,

“Several economists made clear that the extent of the economic wreckage will depend on factors such as how long the virus lasts, whether governments will loosen fiscal policy enough and can markets avoid freezing up.”

That said, we can be confident that, while we don’t know the exact impact the virus will have on the housing market, we do know that housing isn’t the driver.

The reasons we move – marriage, children, job changes, retirement, etc. – are steadfast parts of life. As noted in a recent piece in the New York Times, “Everyone needs someplace to live.” That won’t change.

Bottom Line

Concerns about a recession are real, but housing isn’t the driver. If you have questions about what it means for your family’s homebuying or selling plans, let’s connect to discuss your needs.

It’s Wendy… It’s Sold!

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

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