The Real Estate Book of Palm Coast / Flagler County Florida by Graphic Designs

Palm Coast - Flagler County HOME & LIFESTYLE GUIDE Volume 14, Issue 3

Showcase Home

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Wild Oaks at Grand Haven 2018 Showcase Community www.FlaglerParadeofHomes.com

3/5/18 8:56 AM

$1,250,000

$879,000

$774,900

ONE ACRE W/ INTRACOASTAL FRONTAGE! Gorgeous 5BR/5.5BA Pool home with Mother in Law suite. Breathtaking pool and Intracoastal views from the Balcony w/ the beach a short 5 minutes away. Covered 10,000lb Boat lift. Text R687520 to 52187

HAMMOCK BEACH NORTHSIDE ESTATES Elegant custom open designed 3BR/3.5BA lakefront home that offers complete privacy and tranquility. The great room with gas fireplace and dining area expand with dual triple pocket sliders. Text R582911 to 52187

HAMMOCK BEACH Beautiful 5BR/4.5BA ocean view home with soaring ceilings and loads of windows. Open kitchen/ dining with center island and great room is a perfect area for entertaining. Sliders off to balcony overlooking your own resort style pool area. Text R601331 to 52187

$429,900

$329,000

$325,000

PAINTERS WALK Custom 3BR/2BA home in Flagler Beach with incredible 3rd floor ocean views. Entertain with ease in the large kitchen and living room as your guests relax on any of the four decks. Private community beach walk-over. Text R464124 to 52187

PINE LAKES Spacious 4BR/3.5BA pool home. This home has the potential for Mother in law suite. Newly remodeled kitchen. Great for entertaining. All situated on two lots. Text R621916 to 52187

INDIAN TRAILS Mediterranean style home with 3BR/2BA and office/den is sure to meet all your needs! Entertain in the warm, inviting dining and living rooms. Custom designed gourmet kitchen.Superb architectural details and decorative touches abound. Welcome home! Text R474929 to 52187

$234,943

$209,000

$208,800

PALM HARBOR Upgraded 3BR/2.5BA remodeled home in Pine Lakes Golf Community. Spacious open floor plan with high volume ceilings, fireplace, natural lighting and beautifully updated fixtures. Text R599057 to 52187

PALM HARBOR Spacious 2BR/2BA Pool home with office. This home features a split floor plan with a very open vaulted layout with an inviting living room and cozy fireplace with sliders to the lanai. Very large screened lanai perfect for entertaining. Text R658147 to 52187

PINE LAKES Great Location 3BR2BA Pool home. The kitchen features granite counter tops, marble tile back splash and a new stainless steel appliances. New Roof, New A/C Unit, newer water heater. MOVE IN READY! Text R327580 to 52187

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$629,900

$599,900

$544,900

DIRECT INTRACOASTAL Palm Coast Plantation 4BR/3BA with a open floor plan. Triple pocket sliders lead to the covered lanai and summer kitchen, bring the glorious nature views front and center into your home. Text R696931 to 52187

HAMMOCK BEACH Gorgeous Custom 3BR/2.5BA new build just a short walk to the beach. Custom appointments throughout. The large lanai has a gorgeous fireplace and overlooks a picturesque park like setting! Text R635317 to 52187

PALM COAST PLANTATION Intracoastal Frot 3BR/2.5BA home. The kitchen features plenty of cabinet space, solid surface counters & s/s appliances. Entertain indoors perfectly with your spacious floor plan or on the screened lanai. Text R576428 to 52187

$254,900

$249,900

$235,471

LEHIGH WOODS Elegant 4BR/2BA Custom built home with lots of natural light. Formal dining room as well as breakfast nook, make entertaining a breeze. The kitchen features granite counter tops, prep island, and breakfast bar. See Today! Text R687517 to 52187

PLANTATION BAY Custom 3BR/2BA 2,100sf home in a gated golf course community. Features include new carpet, fresh paint, vaulted & high volume ceilings. Huge screened patio overlooks the South 10th green & South 11th tee box with water view. Text R558744 to 52187

QUAIL HOLLOW Completely Remodeled 2BR/1BA. New Roof, New A/C Unit, New Water Heater! Freshly painted inside and out with tile throughout. MOVE IN READY. Text R681783 to 52187

$189,900

$159,000

INDIAN TRAILS Turn Key 4BR/2BA Seagate home. Extra Large living/ dining room. Large eat in kitchen. New roof in 2017, New hot water heater 2016, New AC 2013. Partially Fenced Yard. Text R688950 to 52187

QUAIL HOLLOW Double Lot 3BR/2BA home freshly painted inside and out, new fans and fixtures, new tile floors in all the main living areas, and new carpet in all the bedrooms. Spacious kitchen with new S/S appliances. Screened covered patio for relaxing. Text R637838 to 52187

QUAIL HOLLOW Great 3BR/2BA starter home. Brand NEW ROOF, tiles floors and is freshly painted inside and out. The kitchen has Brand New Stainless Steel appliances. Enjoy entertaining in the nice covered screened in lanai. Text R681782 to 52187

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No Gimmicks. Just Results.

$199,900

1,748 sq

$329,900

1,788 sq

1,862 sq

D! L SO 36 Clearview Ct N., PC

23 Pershing Ln., PC

$218,900

LIST WITH US!

Five Star Ra ng

120 Persimmon Dr., PC

SALTWATER!

SPACIOUSNESS Granite Counters 4br | 2ba | 2car

LOOK LIKE NEW!

Covered/Screen Lanai 4br | 2.ba | 2car

2,255 sq 2,089 sq

2,255 sq 1,746 sq

2,255 sq 2,410 sq

$194,900 $279,900

$194,900 $239,900

$194,900 $324,900

Covered/Screen Lanai 3br | 2ba | 2car

75 50 Egret Kashmir Tail, Palm Tr., PC Coast

75 Egret 20 Pebble Tail, Palm Ln., PC Coast

757Egret Bird Tree Tail, Palm Place,Coast PC

POOL HOME!

LAKE HOME!

2-way Fireplace 4br | 2ba | 2car

Private Backyard 3br | 2ba | 2car

2,255 sq 2,234 sq

2,255 sq 1,300 sq

2,255 sq 1,752 sq

$194,900 $324,900

$194,900 $199,900

$194,900 $209,900

Dock-2 lots-studio 3br | 2.5ba | 4car

7599 Egret Cimmaron Tail, Palm Dr.,Coast PC

SALT WATER! In-Law Suite 3br | 3.5ba | 2car

75 Egret 5 Penndale Tail, Palm Pl., PC Coast

POOL HOME! Pristine - New Roof 3br | 2ba | 2car

75 Egret 7 Royale Tail,Lane, Palm PC Coast

RIVER GATE

Covered/Screen Lanai 3br | 2ba | 2car

386-445-9875 Visit us! 160 Cypress Point Parkway, A-101, Palm Coast

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24 Firethorn Ln., PC

Try it!

Scan code w/phone for home details & 3D Virtual Tour!

2,255 sq 2,190 sq

(Works w/any QR reader APP)

$194,900 $294,900

G IN D N

! W E N 2,255 sq sq $194,900 1,404 $179,900

sq 2,034 sq $194,900 2,255 $219,900

ON LY!

75136 Egret Brunswick Tail, Palm Ln.,Coast PC

PINE LAKES

2,255 sq 3,347 sq

2,255 sq 2,885 sq

$194,900 $209,900

Inspiring Layout 3br | 2ba | 2car

$194,900 $596,900

Wood & Tile Floors 3br | 2ba | 2car

2,255 2,705 sq sq

SO DARLING!

Fenced Yard 4br | 2.5ba | 2car

$194,900 $289,900

BONUS ROOM

75 86 Egret Whippoorwill Tail, PalmDr., Coast PC

75128 Egret Heron Tail, Drive, Palm Coast PC

LAKE FRONT

CYPRESS KNOLL Fireplace - Side Entry 3br | 2.5ba | 2car

Wood & Tile Floors 4br | 2.5ba | 2car

5br | 3.5ba | 2car

NG I D

LD O S

2,255 1,753 sq sq

2,255 sq 1,760 sq $194,900 $169,900 2,255

2,255 sq 1,075 sq

$194,900 $149,900

BONUS ROOM

Palm Coast Plantation

N PE

75 Egret 52 Price Tail, Ln., PalmPCCoast

75 Egret 32 Rivera Tail, Palm Ln., PC Coast

75 Egret 28 Federal Tail, Palm Ln., PCCoast

CUTIE PIE

Great Location 3br | 1.5ba | 1car

$194,900 $249,900 $249,9

75 26Egret East Bourne Tail, Palm Ln., Coast PC

AWESOME

7575 Egret Pheasant Tail, Palm t Dr Dr., Coast PC

FRESH WATER! Pool - Lanai

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Moore & Keever

Working Together

Alicia Moore, REALTOR® 904-471-6112 Shellie Keever, REALTOR® 386-569-9329

for y ou!

PREMIER PROPERTIES

2016 Coldwell Banker International Diamond Society Award

2727 Morning Light Court $700,000 Sunset Inlet 3BR/3.5BA home with all the luxury of both beachside living as well as Intracoastal playtime. Community maintained deeded beach access. Home offers one of a kind trim work inside that rivals all others in this neighborhood. 30' boat slip accompanies home. MLS:236541

11 Selkirk Place $234,900 Well Maintained 4BR/2BA with lots of natural light. Plenty of entertaining space with a great dining room, living room and movie nights in the family room. The lanai overlooks the garden or your future pool, the possibilities are endless. MLS:236115 RECENT REDUCTION

8 Humming Bird Circle $484,000 The Reserve 4BR/3.5 BA 3,292SF

RECENT REDUCTION

13 Humming Bird Circle $494,000 The Reserve 4BR/3BA 3,370SF

4660-4680 Moody Blvd. $497,399 2.15 Acres. Highway 100 Commercial Frontage, with endless possibilities, close to Town Center and easy access to 95. RECENT REDUCTION

7 Humming Bird Circle $484,000 The Reserve 4BR/3.5BA 3,292SF

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How to Stage Your Home on a Budget Staging your home so that it is in prime showing shape is essential for selling it in the shortest amount of time for the best possible price. While a professional home stager can work wonders, it might not be in your budget. Buying new furniture, redecorating, or other big home improvement tasks might not be either. However, thereâ&#x20AC;&#x2122;s no need to worry. There are many great ways to inexpensively stage your home, without paying a professional, such as: Getting rid of the excess. Minimalism is in, and when someone comes to look at your house they want to imagine what they can do with it, not think about someone elseâ&#x20AC;&#x2122;s personal belongings around the house. The first thing every home stager will do is get rid of the clutter. And that is something anyone can do on your own without spending a dime. Get some boxes and storage bins and start removing whatever you can, including: framed photos; anything hanging on the fridge or anywhere else; knick knacks; most books (save a few nice ones for staging); trophies and awards; kitchen gadgets; personal effects such as glasses, keys, jewelry, etc. The golden rule? You canâ&#x20AC;&#x2122;t remove too much.

ranged in a way that makes the room look as open and spacious as possible. If this means removing chairs or tables to open the flow, go for it. Brightening things up. Replace heavy drapery with sheer panels, raise blinds and shades, and place higher wattage bulbs in lighting fixtures, adding a lamp or two where necessary. Maximizing natural and artificial light is essential to making your home look as bright and appealing as possible. Painting where necessary. A small investment of paint in key areas will be worth it. Change any dark or oddly painted rooms to a light, neutral color, and prioritize walls and rooms where the paint is dirty or showing signs of aging. Paint can also be a good option for updating kitchen cabinets that are otherwise too expensive to replace. Adding new accessories. A trip to your nearest discount store can send you home with a bundle of new accent pillows, throws, bathroom and kitchen accessories and a nice vase or two for the dining room and coffee tables. These decorative accessories will add a fresh feel and pops of color where necessary throughout your home. Just remember: less is more.

Rearranging the furniture. Go from room to room and make sure the furniture is ar-

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Grand Reserve Distinctive D.R.Horton Homes from the low $200’s* Affordable Express Homes from the high $100’s*

Three New Model Homes NOW OPEN! Including our Brand New Clifton Floorplan • Exclusive master planned community nestled upon the Grand Reserve Golf Course, with many homesites featuring spectacular golf course, nature and conservation views. • Future amenities community pool, covered pavilion & more!

Amazing Outdoor Living!

Golf Course Views!

• Convenient location minutes from shopping & dining at Palm Coast Landing at Town Center, I-95, and just a short drive to nearby Flagler Beach.

18 Hole Golf Course!

Directions: From I-95 take exit 284 for SR-100 (Moody Blvd) and travel west toward Bunnell approximately 3.1 miles to community on the right at Grand Reserve Pkwy. For more information please call (386) 263-3227 or visit us online at www.drhorton.com/nfl

*Home and community information, including pricing, included features, terms, availability and amenities are subject to change and prior sale at any time without notice or obligation. Pictures, photographs, floor plans, elevations, features, colors and sizes are approximate for illustration purposes only and will vary from the homes as built. CBC058997 ©2018 D.R. Horton, Inc. All rights reserved.

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During retirement, retirees often don't want to deal with major maintenance and repairs that are associated with larger, older homes.

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Retirees Turning to Custom Homes to Get the Right Space B Y K R I S L I N D A HL As people reach retirement, their current house may simply be too big for their needs. Paying large utility bills, maintenance costs and property taxes for an older home on a large lot can often drain nest eggs and retirement funds. During the golden years, when you will likely have a lower income and too much house, there may come a time when downsizing to a smaller home will fit better into your lifestyle and budget. Retiring to a Custom Home

higher shelves. In addition, bathrooms can be designed for retirees with physical disabilities who may have problems using the shower, tub or toilet. You can have more flexibility when having a smaller home built with adaptable features. The custom home can be modified for different life stages without having to deal with costly renovations later on that can be a major disruption to your daily life.

When you hear about a retiree downsizing to a smaller place, most people think that the person will be packing up and moving into an apartment in a senior community or a mother-in-law suite in their adult children's homes. Yet many retirees still want their freedom to come and go as they please in their own place. Purchasing a smaller home then becomes the ideal option.

Custom Home Offering Less Maintenance Hassles

One interesting trend is that retirees are looking to custom build a new home that is smaller in size. The retiree may be at a unique advantage of having the financial independence to cover the costs of home construction without straining their retirement funds. At this point of time in their retirement years, most retirees have already paid off the mortgage for their other home as they now own the house outright. With the home value having appreciated, they can now ask for a higher sales price that can cover the land purchase and all the home construction expenses.

By having a custom home built at a smaller size, buyers will know that everything in the house is new. They will have new wiring, plumbing, mechanical systems, appliances, a roof, a foundation and other aspects. Even if something should break during those first few months, builders normally provide a builder warranty that will cover defects and provide repairs.

Building a Home Tailored to Health Needs Another advantage to having a custom home built is that it can be designed to account for current medical conditions or physical restrictions. You can work with builders and architects to design the home so that it can make your daily life easier as you grow older. The custom build may have wider first-floor spaces and hallways to accommodate mobility devices. There can be outdoor ramps by front entrances for wheelchairs and walkers, as well as lower kitchen cabinets so you can get items without having to stretch to reach

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During retirement, retirees often don't want to deal with major maintenance and repairs that are associated with larger, older homes. Even downsizing to a smaller, existing home can lead to stress as there may be significant issues with the dwelling that will need to be dealt with before moving in.

Downsizing to Your Custom Dream Home Downsizing to a custom home has many advantages. Buyers can have the home built at a chosen destination that offers everything they could possibly need during their retirement years. It helps to perform comprehensive research regarding the real estate market when purchasing land at another location. Also, researching building plans and contractors can make the difference in purchasing a custom home built with superior craftsmanship. A real estate agent's help can be just what buyers need to find a new place that is specifically designed for their post-career lifestyle.

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2590 Palm Avenue $1,849,900 Custom designed Frank Lloyd Wright certified 5BR/4.5BA home boasts spectacular sweeping views of the ICW and the Ocean. Peaceful location; over 1 acre lot at the tip of Cedar Island. MLS:234361

204 Willow Oak Way $775,000 Exquisite 3BR/3BA Arthur Rutenberg former model home is situated on over half acre in the Wild Oaks community of Grand Haven. Huge screened lanai complete with summer kitchen, spacious heated pool and a Jacuzzi. MLS:235825

8 Sugar Mill Lane $740,000 Exquisitely appointed 4BR/3.5BA home on 3/4 acres. A chefs kitchen with a large quartz topped island with Wolf cook top. Entertain by the paved pool patio and fire pit. MLS:231611

30 Scarlet Oak Circle $578,500 Wild Oaks Custom 3BR/3BA Pool home. Open floor-plan is designed for easy entertaining. Gourmet kitchen with an island with breakfast bar & a roomy breakfast nook. Luxurious screened-in Lanai & Pool. MLS:235689

2 Lagare Street $444,900 Just a few steps to the Intracoastal walking path and a back yard that is almost 5 acres of preserve area that will always be quiet and private. This 3BR/2BA house is set on a very beautiful setting in prestigious Grand Haven. MLS:236136

7 Old Oak Drive $449,000 The Sanctuary, one of a kind custom 3BR/2.5BA pool home in the exclusive gated island community. AC unit replaced in 2016 with 3 separate zones. Detailed woodwork throughout the home adds to the unique feel of old world charm. MLS:236080

38 Riverbend Drive $439,000 Located on a beautiful preserve in Grand Haven South Park community. Open floor plan 4BR/3BA that overlooks the pool and preserve area. The pool has a fabulous summer kitchen and a large covered area. MLS:235785

7 Lakeview Lane $379,000 Grand Haven 3BR/3BA with pond and golf course view. Over 2400 living ft, high ceilings with cove details. Nice screened lanai with outdoor kitchen counter space and sink. MLS:234828

319 North 3rd Street $369,900 Walk to the Beach from this beach home loaded with upgrades. This home features 3BR/2BAs with an additional 1BR/1BA Mother in Law Suite. This home also features a 2 car attached garage for your vehicles and beach gear. MLS:235633

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3/5/18 10:01 AM

Now at the Beach, Too!

Stop In and See Our New Satellite Location! 316 South Ocean Shore Blvd, Flagler Beach

(386) 439-3130

Agents Available: Monday thru Saturday 9am - 5pm, Sunday 10:00am - 4pm FlaglerBeachOffice.indd 1

3/5/18 10:37 AM

Best Financial Investments for Your Home By Craig Middleton On popular home improvement shows, people repair or add new features to their homes to increase substantial market value in the process. Whether you are looking to increase the value of your home or just make improvements for your own enjoyment, some of the best financial investments you can make for your home include: Major Problem Fixes The first high-return investment you should make in your home is to correct any major problems. If your home has serious issues, such as a broken air conditioner or a pipe leak, fixing those issues should be priority No. 1. Repairing or replacing the roof and siding can be a great investment, as potential buyers will generally factor in both the time and cost of having to fix it themselves. Problems like these are always easier to fix when they're small--rather than later, after having put them off. Exterior Improvements Replacing garage doors is one of the best improvements for the exterior. If your garage door looks new, your house will look new as well. Painting the outside of your home is another good investment in the exterior. If you don't want to take the time and money to fully repaint your home, pressure-washing can be a quick way to make the outside of your home look much more presentable. Replacing windows is another way to make the outside of your home look better, as well as improve the home's energy efficiency. Entryway Improvements Like the garage door, the front door is important in making a good first impression on a potential buyer. Replacing a wooden front door with a steel door can also make your home safer, and increasing the safety of your home can be another great selling point.

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Update the Interior Fixes and additions to the inside of your home can be a great financial investment. A fresh coat of paint to the interior can add value by making the home look newer, cleaner and brighter. Improving your home's bathroom(s), particularly visible elements such as vanities, lighting, countertops, toilets and tubs, can yield a high return. You may obtain a better return on investment by making improvements to the main features, instead of completely gutting the bathroom. Kitchen remodels can be another way to significantly improve the value of your home, by improving functional items such as cabinets, drawers, pantry doors and appliances. Appliances such as refrigerators don't have to be completely new, but they should keep up with current trends. Adding high-efficiency appliances to a home can modernize it and also save you money on electricity. Some states and cities have tax programs that could reduce your taxes if you buy and use high-efficiency appliances that require less electricity. Overall, you should research the investment potential of your home before making any purchases. If you are trying to increase the resale value of your home, you need to make sure your fixes or additions will increase the value of the home not only for you, but also to potential buyers.

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$469,900

$319,900

$214,990

MANTANZAS WOODS Exquisite courtyard 3BR/3BA pool home with unobstructed 125ft of lake front. Separate guest quarters. MLS:235250

PALM HARBOR Updated 3BR/2BA with marsh views. Great 40ft patio perfect for entertaining. MLS:234198

INDIAN TRAILS Spacious 4BR/3BA pool home that backs to a reserve parcel. Sliding glass doors to the patio and pool deck galore. MLS:235348

$129,000

$21,900

$19,900

INDIAN TRAILS 5.429 Acres of gorgeous undeveloped land . Part of this land is located on a huge freshwater canal. TMLS:224746

PINE GROVE Wooded lot waiting for you to build your Palm Coast Home. Great Location. MLS:231711

PINE GROVE Oversize corner lot to build your Florida home. Plenty of room for a pool. MLS:236569

I’m Local... I’m Global... I’m Watson...

CARMEN BONGIOVANNI REALTOR®

386-246-9239

CARMEN@CARMENANDGEORGE.COM

www.CarmenAndGeorge.com

Gated Community - No CDD Fees! GRAND LANDINGS

New Homes from the high $100’s* NO CDD FEES!

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• Exclusive gated master planned community • Convenient location minutes from shopping & dining at Palm Coast Landing at Town Center, I-95, and just a short drive to nearby Flagler Beach • New Amenity center now open including pool, club house, playground and dog park Please call (386) 263-3081 for more info

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3/5/18 9:34 AM

10 easy

home improvements to make on your fixer upper By Cary Teller

here is something awesome about buying a fixer upper and doing the renovations yourself. Some people fix them up a bit at a time, using cash as they have it available. If you want to make a big impact by doing small things, here are 10 things you need to include.

3. New Fixtures Just like the lighting, the fixtures in the home become outdated quickly. Start with the kitchen faucet and then move on to the bathroom. You can update and upgrade a fixer upper by just adding these small touches.

1. Change Out the Lighting

4. Paint Cabinets/Add New Hardware If you have new cabinets in the budget, then you should go for it. However, if your budget is limited, then you may want to try to paint them. Painting old cabinets and installing new hardware will give the kitchen a facelift. If the cabinets are old but sturdy, then you can bring them back to life. Painting is inexpensive and has a huge impact.

Nothing says outdated like an old-fashioned gold chandelier. Lighting is something that can be updated easily and won't cost a bunch of money. It is one of the smallest things you can do that will have the biggest impact. 2. Paint There is an old saying: "If a barn needs to be painted, slap some paint on it." You will be amazed at what some paint can do to your home. A new hue can cover imperfections and give the room the blast of color it needs. Forget drab, white walls that are lackluster. Give your home a color makeover.

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5. Rip Out Old Carpeting Carpet is great when it is new; however, when it is old and dingy, it can really have a negative impact on a space. Hardwoods are the best option, followed by laminate floors. However, if you are stretched for money, you may try a bag floor or a penny style one. There are creative options online that allow you to do great things with your floors for less.

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6. Add Curb Appeal The curb appeal of the home is everything. It does not matter how great the inside looks if the outside is in shambles. Clean up any dead plants and add some new ones. Be sure to pick flowers and shrubs that bloom at different times. This will allow you to have color year-round. Add some shutters and a fresh coat of paint to the porch. Use decorative numbers to display the address. Finally, replace the mailbox if necessary. 7. Repaint Ceilings Ceilings are often overlooked. They are usually white and any color is reserved for the walls. However, people do not realize how dirty these ceilings can be. A fresh coat of paint on the ceiling can really enhance the whole room. The walls are not the only thing that needs to be painted. 8. Upgrade the Exterior FaĂ§ade The biggest impact you can have on the outside of a home is to replace or paint siding. If you have it in the budget, you can add brick and stone accents. Most fix-

er upper homes have chipping paint and worn out siding. Splurge for some nice siding or paint a great color to update the homeâ&#x20AC;&#x2122;s look. 9. Replace the Windows New windows are expensive, but they are important. If you have old windows in your home, you need to spend the money to upgrade them. Windows are great for keeping the elements at bay. You will save yourself money in the long run by sealing off drafty openings. 10. Update the Heating & Cooling Unit To help the process of heating and cooling a home, you need to make sure the home has an updated HVAC unit. The air filters are just as important as the unit. Filters with a rating of Merv 11 have "astro pleating" to help ensure no dirt or dust gets into your system. Extend the livelihood of your unit by selecting quality air filters.

Editor's Note: This was originally published on RISMedia's blog, Housecall.

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BORROWERS HAVE SPOKEN:

A Mix of Tech & Touch Ideal for Mortgages Mortgage borrowers are espousing the benefits of technology in the process of financing a home, but also recognize the need for—and value of—face-to-face interactions with lenders, according to a new survey. Fifty-seven percent of homeowners in Ellie Mae's 2017 Borrower Insights Survey completed their most recent mortgage in-person, while 28 percent completed theirs both in-person and online. Eleven percent completed theirs solely online, the survey said. Forty percent of the homeowners surveyed would have preferred a "faster process" and "fewer delays"—challenges that can be eliminated or reduced with technology. Twenty percent, similarly, would have preferred a "shorter, easier to understand application."

"There's no question that technology is playing a larger role in the home-buying experience," said Joe Tyrrell, executive vice president of Corporate Strategy at Ellie Mae, in a statement on the survey. "As we expected, many homeowners are seeking a faster and more streamlined experience—and it's not just a millennial phenomenon; it's homebuyers of all ages and both genders." Case in point: Millennial borrowers were more likely than any other generation to use a combination of in-person and online resources to obtain a mortgage, at 30 percent, but borrowers in Generation X followed at a close 28 percent, as well as baby boomer borrowers, at 20 percent. Though millennial borrowers place the highest importance of all other generations on security throughout the process—an area improved, generally, by tech-

nology—each generation surveyed values simplicity. There is one aspect of the process largely unaffected by technology: locating a lender. According to the survey, 61 percent of borrowers selected the lender for their most recent mortgage based on a referral—23 percent on a referral from family or a friend, 17 percent on a referral from a bank, 16 percent on a referral from a real estate professional, and 5 percent on a referral from a financial advisor. Just 18 percent of borrowers found a lender on their own through an online search. So what’s the takeaway? For most borrowers, technology is only one part of the process. Eleven percent of the homeowners surveyed would have preferred their lender communicate with them more.

"Homeowners still want a personal interaction with their lender," Tyrrell said. "They want someone who can answer important questions, and make them feel confident that everything will be handled correctly and on time." 18TREB012_TREB_Issue36_Digest.indd 8

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Hire Me To List and Sell Your Home This Year

11 Watkins Place $244,900 Pine Lakes completely 4BR/2BA home tucked away at the very end of the cul-de-sac on an over sized lot with a huge front and a fenced back yard. This home that has a split bedroom floor plan with a great room concept! Open eatin kitchen with breakfast bar overlooking the huge family room. MLS:235299

165 Willow Oak Way $89,900 The most affordable home site in the estate community of Wild Oaks - a Grand Haven neighborhood. Build your dream home on this almost acre sized parcel, leave some trees for complete privacy! Choose from one of eight great approved builders. Enjoy all of Grand Havens Resort Style Amenities. MLS:236440

319 North 3rd Street $369,900 Flagler Beach 4BR/3BA with Mother in law suite with private entrance. Completely remodeled with updated bathrooms, fresh paint, granite counters, new appliances. Huge inside laundry room. Nice 2 car attached garage for your vehicles and beach gear. Walk to the Beach! MLS:235633

2298 COLBERT LANE â&#x20AC;˘ PALM COAST, FL 32137

Doris Dolamore, PA, CIPS Broker Associate

Cell: 386-237-5870 Email: doris4houses@gmail.com

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2644 S Ocean Shore Blvd. $849,000

Here is the beach house you have been looking for. Own a piece of the beach (littoral right) and enjoy surfing, kayaking, fishing, shelling and all kinds of beach activities. This 5 bedroom, 3 1/2 bath home includes a nanny suite complete with her own private entrance. 4300 sf includes 1000 sf of decking, new roof, new AC, Anderson windows and doors are just some of the amenities. You will love the views! Bring your swimsuit, the fun never stops. I look forward to showing you this unique, custom home at the beach.

Gloria Ridenour REALTORÂŽ

386-283-2886 golfnut5@mail.com

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1 FLORIDA PARK DR. PALM COAST, FL 32137

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TITLE I N S UR ANCE ON N E W C ON ST RU C T ION ? YES , AN D H ERE'S WHY!

BY BA R B A R A P R O N IN When home buyers are purchasing a newly constructed single-family residence or condo in a just-built development, they may wonder why they need to pay for title insurance on property that no one has ever owned?

but not found due to a clerical error, the new property-holder might be left “holding the bag” in defending against a lienholder’s legal action, if there weren’t a title insurance policy in place covering the property.

The answer is fairly simple: While buyers may be the first owners of this newly constructed residence, chances are there were prior owners of the land upon which the residence was built. A title search is the safest way to discover the existence of any liens against the formerly unimproved land.

The fact is, because the lender wants to be sure there is a clear title on the property that secures their mortgage, they will require that a lender’s title insurance policy be purchased. But the lender’s title policy merely protects the lender and not the buyer who pays for the policy. Only the purchase of an owner’s title insurance policy will protect the new homeowner against any covered threats to the title of the property, whether they are discovered before or after the time of closing.

Need more reason for a title search? Suppose the developer, in constructing the home, has failed to pay a supplier or subcontractor? Very likely, the injured party will – or perhaps already has – filed a lien (known as a mechanics lien) against the property. Additionally, so that there is no question as to ownership in the future, it should be verified that the land in this brand new development was properly subdivided, and that the owner’s new home is on the correctly identified lot. Last but not least, title insurance may cover mistakes made in the County Recorder’s office. For example, if an existing lien was filed

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One of the goals of the title company is to help agents maintain the trust they have built with their buyers. Stressing the need for title insurance in connection with the purchase of a newly-built home is a good way to protect their property interests, thereby strengthening productive customer relationships. Barbara Pronin is an award-winning writer based in Orange County, Calif. A former news editor with more than 30 years of experience in journalism and corporate communications, she has specialized in real estate topics for over a decade.

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Saltwater RE book Feb 2017.qxp_Layout 1 2/22/17 12:11 PM Page 1

Looking for the Perfect One?

S T Y L I S H

S M A R T

20 17 PA RA D E S H O W CA SE H O M E

L O A D E D

Often imitated, never duplicated, Saltwater Homes has constructed Flagler Countyâ&#x20AC;&#x2122;s highest quality homes for over 25 years. Whether you are looking for your Mediterranean Dream Home or your Coastal Bungalow, our Team takes your vision and transforms it into reality. We offer only the highest quality materials, finest area craftsmen and undoubtedly the best customer service and follow-up a client could ask for. From design and selections, through the construction process and long after the closing, we are not only building homes, but we are building lasting relationships at Saltwater Homes.

Letâ&#x20AC;&#x2122;s Meet Up... M O D E L H O M E O P E N D A I LY 2 1 3 C O N S E R VA T O R Y D R . , P A L M C O A S T, F L

386.447.4400 l mysaltwaterhome.com

GC-0041345

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Make Your Dream Home A REALITY!

Custom Homes on your lot in Volusia & Flagler Counties

Complimentary Consultation, No Obligation! ICI Homes—Florida’s Custom Home Builder is offering a Free No-Obligation Consultation. If you are currently in the market for a home builder to build on your lot or if you’re purchasing a lot to design your custom dream home starting from the $200s. We’re offering you a free, no obligation consultation to find out more about the next steps in designing your custom home. Bring your questions and ideas…and in a one hour visit, you’ll receive:

1. Design Study

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For more information—386.401.4967 l ICIHomes.com For more information, or visit us online at: https://icihomes.com/on-your-lot/volusia-flagler/ and watch our customization video where our satisfied customers will tell you what we do best.

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211 St. Joe Plaza Drive • Palm Coast, FL 32164

(386) 445-5880 • 1-877-374-4242 TEXT R696932 TO 52187

3346 Ocean Shore Blvd

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$750,000 10 Live Oak Lane

$539,910 68 Longview Way N.

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14 Barring Place

$350,000 80 Forrester Place

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146 Palm Coast Resort

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$389,900

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$349,900 2 Essay Way

$289,000 25 Radford Lane

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$314,900

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$269,000 11 Barley Lane

$255,000

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3 Roxland Lane

$225,000 4 White Star Drive

$224,900 40 Pittwick Lane

$224,900

Office Hours: M-F 9-5 • SAT 9-4 • Open Sundays 12-4 www.SellingFlaglerHomes.com 21902.14.3.024.indd 23

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