This is a spacious Escada townhome in a great neighborhood, with Point Washington State Park at the end of the street, the greenway path provides a short walk to Van Butler Elementary. Relax outdoors…the screened back porch overlooks a nice backyard that backs up to woods, the community pool just across the street, and two ponds for fishing. Public beach access is just minutes away. This Santa Rosa Beach FL townhome would be a great investment, or a comfortable place to live. Month to Month lease at this time. All data to be verified by the buyer.

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Cottage Elegant- 76 Harborview E, Santa Rosa Beach, FL   32459

Oooohhh Ahhhhh Ooooh! This is a fine Santa Rosa Beach FL home in the Mack Bayou area. Wood floors, 9′ high ceilings on both first and second floor, solid surface counters. Open floorplan, porches add to cottage airs. Impeccably kept and decorated. Fireplace. Wonderful master bedroom with sitting area. Second floor balcony accessed by two bedrooms. This is not a cookie-cutter home, but an elegant residence! More pluses: plentiful under-stair storage, playhouse in fenced yard, security system. Short Sale subject to seller’s mortgage holder’s approval. $199,900

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Today’s Mission:  To prove to Citi short sale negotiator that real estate values have declined in my area on the Emerald Coast of Florida.

Scenario:  Santa Rosa Beach FL home with short sale offer for $225,000.

First Mortgage:  Saxon –  $258,000

Second Mortgage:  Citi –  $80,000

What Citi Negotiator Says: “How could value be so low?”

Wendy: “The market”

Citi: “Hmmph…  I don’t believe that market c*&p.  I’ll do my research”

Wendy: “There is a four year inventory of houses in the Santa Rosa Beach market area”

Citi: “We’re not just taking $1000 or $3000 offer.  I’ll just let it go to foreclosure.  I’ll make this short and sweet.  We’ll just walk away and the first won’t be able to accept the short sale.  Get me the hardship letter and HUD and I’ll get back to you.  That’s why I got into this business, because I am experienced.” (true rendition)

Wendy, should you choose to accept this mission, and educate a Citi negotiator, you may save a man from foreclosure.

Mission accepted.

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