The Real Estate Book of St. Augustine / St. Johns County, FL

CREATIVE LIVING TIPS INSIDE ON - Page 9.

Volume 27, Issue 11

ST. AUGUSTINE/ ST. JOHNS COUNTY, FL

To get more photos and details from your phone, Text P822492 to 85377 or See Page 4.

TO ADVERTISE, CONTACT: Suzie Adams at 386.338.4110 Email:TREBcoastal@gmail.com

RealEstateBook.com

Contact Info: Lighthouse Realty Associates, Inc. 904-471-3400 lthouseassoc@bellsouth.net www.lighthouse-realty.com Beautiful Estate home located within Pelican Reef a gated community on Anastasia Island.

Request FREE MAGAZINES online, or call 800-841-3401

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KING & BEAR @ WGV $599,900

ST. JOHNS RIVER LOTS

JACKSONVILLE BEACH $399,900

5 Bedroom • 3.5 Bath • 3200 SF 5th Fairway • Chef’s Kitchen Summer Kitchen Text P876354 to 85377

Acreage Lots w/ Dock Permit Your Builder or Ours Spectacular Views Text P876355 to 85377

3 Bedroom • 2 Bath • 2200 SF Open Floor Plan • Loft Fenced • Walk to Beach Text P877421 to 85377

THE LEGENDS $125,000

THE RESIDENCES @ WGV

LATERRA @ WGV

2 Bedroom • 2 Bath • 1055 SF Ground Floor Condo • Wooded View Gated Community • Low HOA Dues Text P877423 to 85377

Starting Low $200s 3 & 4 Bedroom Luxury Condos Water and Golf Views Text P876348 to 85377

Priced up to $200s Studio, 1, 2, 3 Bedroom Luxury Condos • Gated Text P876344 to 85377

Your Full Service Real Estate Connection Residential and New Home Sales Property Management and Vacation Rentals

Marilyn Golden 904-940-9990 Travis Skoglund 904-635-9649 SEARCH LIKE A REALTOR®

iGolfRealty.com

MyHome@iGolfRealty.com

TEXT IGOLF TO 85377 TO VIEW MORE PROPERTIES 21904.27.11.002.indd 11

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Donna Wendler, Broker/Owner 904-669-3081 SALES • RENTALS • PROPERTY MANAGEMENT

“We’re the Difference”

904-471-9464

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Text P805452 to 85377 EPITOME OF VINTAGE CHARM: This 3BD/2BA home, nestled under a canopy of grand oaks, is minutes to downtown & beaches. Wood floors, garden, eat-in kitchen, garage, & fenced side yard for storage. $259,500

Text P153199 to 85377 SPACE, SPACE & MORE SPACE! This big 4BD/2BA home just minutes from Flagler College, shops, & restaurants. Wood floors, large rooms, big lot with room for a pool. A perfect family home or rental. $209,999

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Text P839334 to 85377 LIVE THE MODERN LIFE in this big home! Garage is glitzed up w/wood floors, wine cooler & surround sound.

Control locks, lighting, & surveillance from your smart phone. $379,000

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Text P811739 to 85377

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CHECK OUT THIS RARE FIND: 2 homes; 1 property; endless possibilities.

Pristine vintage cottage + concrete block home + 3 car garage. 1.2 acre site w/ majestic oaks & great views. Access to Moultrie Creek! $399,900

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Text P209324 to 85377

Text P782555 to 85377

GET A SLICE OF HEAVEN w/this 4BD/4.5BA custom masterpiece at Porpoise Point. From the endless deck overlooking a heated pool to the game room & state-of-the-art kitchen, you won’t want to leave. $1,275,000

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IT’S EASY LIVING at this 4BD/3BA townhome at beautiful Heritage Park w/awesome amenities & lawn care included in low HOA fee. Lofty ceilings, roomy kitchen, covered lanai, & 1-car garage. $189,900

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Text P202426 to 85377

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KAYAK THE MARSH at this likenew 4BD/3.5BA home w/covered lanai, private fishing spot, & fire pit. Office, loft, upgrades, tons of storage. Open floor plan, close to everything! $380,000

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BIG

Text P332520 to 85377 IT’S BRAND-NEW EVERYTHING in this 3BD/1.5BA home: Bathrooms, kitchen, electric, plumbing, wood floors, paint, stainless steel appliances, & added closets. Lovely yard, ideal location. $254,900

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YOU’LL WANT TO BRAG about this 4BD/4BA Marsh Creek home w/ panoramic marsh views, high-end appointments, a custom kitchen, an elaborate outdoor living space, & an oversized corner lot. $949,000

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www.thestjohnsrealtygroup.com

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Text P782552 to 85377 IMPRESS YOUR GUESTS at this 4BD/4.5BA Vilano Beach smart home w/towering ceilings, upgraded kitchen, theatre room & wet bar. 3rd garage fits boat or RV. Community tennis/basketball courts, playground, & more. $669,900

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Text P572489 to 85377 TAKE A PERMANENT VACATION at this cute 2BD/2BA furnished Sea Winds condo w/fireplace, deck, community pool, tennis, clubhouse & private beach access. Walk to bars, shops and restaurants! $249,900

ST. AUGUSTINE’S NEWEST CONDOS Water views - Private dock slips w/every unit - Luxurious amenities - Spacious 3BD/3.5BA floor plans Taking preconstruction reservations now!

904-669-3081 CORTEZONTHEWATER.COM

4255 A1A South, Suite 3 • 134 King Street • 101 Yacht Club Drive St. Augustine Florida 21904.27.11.003.indd 3

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ON THE COVER

Text P848006 to 85377

NEW CONSTRUCTION 3 beds 2 baths 1,396sqft. Still time to select colors for your new home. Tax Price Listed Is For Vacant Land Only For 2015.

MLS:160064 $159,900

Awesome Real Estate Inc.

2825 Lewis Speedway #101 • St Augustine, FL 32084 Email: awesome@awesomerealestateinc.com Office:904-429-0600 www.awesomerealestateonline.com Text: AwesomeRE to: 85377 To View All Available Properties

Text P822492 to 85377 for more information

PELICAN REEF Great Island Location! Open floor plan 4 bedroom, 4 bath, 3,800sqft home. Grand entry, Chef's kitchen, Master with exit to the pool area, and a Large office. Pelican Reef Pier and Marina for Community Residence only. Private boat docking on the Intracoastal. $775,000

Lighthouse Realty Associates, Inc. 904-471-3400 lthouseassoc@bellsouth.net www.lighthouse-realty.com

Text Beachside to 85377 to View All Available Listings

904-460-0002 | 866-915-0002

staff@beachsiderealtyonline.com www.beachsiderealtyonline.com 2085 A1A South #205 St. Augustine, FL 32080

Text P274056 to 85377

OCEAN BREEZES Oceanside 2BR/2.5BA 2 story condo which includes a 1 car garage, laundry room, patio & 2 decks. Enjoy views Lagoon & Pool from the 1st floor covered patio. Community pool, spa, tennis, and clubhouse. MLS:159724 $259,900

Text P845178 to 85377

TRADEWINDS Ground floor 1BR/1BA, corner unit with ocean and ICW views. Sold furnished, good rental history.

Enjoy the convenience of beach and pool access just steps from your patio. MLS:159365 $161,900

Text P309575 to 85377

DIRECT OCEANFRONT 2nd Floor 3BR/2BA Sand Dollar Building 1.

Ocean views from the floor to ceiling windows. ICW views from guestrooms. Amenities include oceanfront pool, elevator, covered parking, storage, tennis, on-site management. MLS:159364 $559,000

Text P332536 to 85377

PARADISE IN YOUR OWN HOME! Pepper Tree 2BR/1BA unit like no other. Fully fenced rear yard with private above ground swimming pool and hot tub. Lots of decking, great for entertaining. MLS:155034 $179,900

FOR MORE PICTURES AND INFORMATION, TEXT THE PROPERTY LISTING CODE TO 85377

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$499,900

$429,900

$419,900

SALT WATER POOL HOME Remodeled 4BR/3BA featuring a formal living & dining room, a family room with a fireplace that is perfect for entertaining.

Over 3,500lsf with upgrades throughout.

Text P626793 to 85377

INTRACOASTAL HOME Custom 4BR/2BA only 2 blocks from the OCEAN. Enjoy beautiful views from both screened in balconies. Gourmet kitchen, elevator, entertainment area, and more.

Community pool. Text P537513 to 85377

GATED COMMUNITY Exquisite Mediterranean style 3BR/2.5BA custom home with office. Views of the 120 acre spring fed lake. Entertain in the warm, inviting dining and living rooms.

Text P238956 to 85377

$399,000

$329,900

$249,900

BEACH LIVING 3BR/2.5BA/5CG Loft & trey ceilings in living and dining.

Built for low Maintenance to include tankless water heater, foam insulation, and Vinyl low E Impact Windows.

Text P217831 to 85377

LAKEFRONT FRESH WATER CANAL Amaral 4BR/3BA custom POOL/SPA home with amazing views. Formal living room, dining room, and a family room with a fire place that is perfect for entertaining. Text P127481 to 85377

HANDYMAN SPECIAL Saltwater Canal 3BR/2BA Pool home. Spacious floor plan with formal living/dining rooms, and family room with fireplace. Screened lanai with pool & spa. BOATHOUSE DOCK. Text P804615 to 85377

$239,900

$229,900

$209,900

BEACH SIDE HOME Move in ready 3BR/2BA with a Florida room. Brand new Vinyl siding, freshly painted inside and out, tile and laminate wood floors throughout. Community Clubhouse and Pool. Text P201130 to 85377

FRESH WATER CANAL Great income property. Well maintained duplex home.

Each unit is 3BR/2BA, great room w/ vaulted ceilings and eat in kitchen.

Covered back porch. Large backyard.

Text P314383 to 85377

LAKE FRONT Open floor plan 5BR/2.5BA with a full lake view. Freshly painted and new flooring. Located close to shopping, restaurants, and only minutes to the beach.

Text P284168 to 85377

$199,900

$194,900

$194,900

PERFECT FOR ENTERTAINING Beautiful 4BR/2.5BA spacious 2,833sqft home. 2 Living Rooms, large family room and formal dining room. Extra room upstairs that can easily be a den.

Text P238959 to 85377

BEAUTIFUL Adams 4BR/2BA pool/ spa home. The great room features lots of natural lighting. Enjoy the pool or relaxing in the spa in the privacy of your own fenced back yard.

Text P159541 to 85377

CUTE AND COZY Great 3BR/2BA 1619sqft home. Lots of natural sunlight with a great open floor plan. Large 9x15 screed in Lanai.

Community Amenities.

Text P321085 to 85377

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BOB LINDSEY Broker 904-471-7380

We have the Keys to the Beach http://www.lighthouse-realty.com email: lthouseassoc@bellsouth.net

LIGHT H OUS E R EALTY G

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O U P , Inc. I N C Associates,

5401 A1A South 5401 A1A South

904-471-3400 1-800-471-3401

COLLEEN SULLIVAN .................... 477-4280 CAROLE WILSON ............................315 4861 JOSÉ CRESPO .................................. 825-4768 SHERRIE MARLOWE ............... .......891-4447 JUDY GARBUTT ....................... .......495-1061 MARY KRYZWICK ................... .......347-4024 KAREN LINDSEY...................... .......669-6917 MARGIE LINDSEY.................... 386-931-7172 JOHN SINCAVAGE ................... .......471-0094 CAROL SULLIVAN .................. .......814-6915 J. ERIK EKHOLM....................... ...... 885-8431

BRIGHT OPEN FLOOR PLAN 3BR/3BA Home with side entry garage and beautiful landscaping. Large fenced in backyard great for outdoor entertaining and fun. Sprinkler system with rain bird auto set. $249,900 T-98

LIGHTHOUSE VIEWS 4BR/3BA Home located on Anastasia Island in Davis Shores. Real hardwood Floors, 2 Master Suites, Large living room, Formal dining, Den/ Library, Fireplace. Situated on a double lot. $445,000

WALK TO THE BEACH or ICW from this Island Neighborhood! A 3BR/2BA/2CG with a beautiful remodeled Huge Kitchen, Living room with a fireplace, large yard with Majestic Oaks. Lots of Windows. $319,000

SPLIT FLOOR PLAN Ranch style 1520sqft, 3BR/2BA. Fireplace, upgraded in 2013, tiled baths, kitchen, galvalume roof with solar panels, new A/C, tiles screened porch, fenced backyard. No HOA. $229,000

COTTAGE AT THE BEACH! 3BR/2BA has tile and laminate floors for easy maintenance inside. Its exterior has a low maintenance landscaped yard with a paver patio. Great getway home! $269,000

GREAT HOME Fabulous Kitchen, Bamboo floors in Living room and Master Bedroom. The 4th bedroom has a separate entrance. Summer Kitchen on Private large screened patio plus a in ground spa. $329,900

5 MINUTES TO CRESCENT BEACH A 4BR/2BA home with plenty of living space for a family. The back yard has a fenced area and a nice storage shed with hardie board siding. $345,995

STRONG OCEAN VIEWS Short Walk to the Beach! Enjoy the Ocean Breezes and sound of the waves from your decks. Open floor Plan, 3BR/2BA, 500SqFt of decks.

Perfect short term rental property. R-84 $519,000

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LAKE VIEW LOG CABIN 3BR/1.5BA, situated on 3.3Acres. Loft has the half bath. Large screened porch, two car detached garage and shed. Plenty of room for your big boy toys and your animals. $269,500

OCEAN FRONT! 3BR/2.5BA split plan with a wide open living room and kitchen. Large ocean front screened porch. We hear it all the time, I want to step out my door and have my feet in the sand. $799,000

HAWAIIAN ISLE ESTATES Great beach location. 3BR/2BA home full of upgrades, hardwood floors, mexican tile in Florida room. Large 12x16 storage building and a small shed. Steps to Crescent Beach. H-51 $299,000

FORMER MODEL HOME Bright and open floor plan on a corner lot. Cathedral ceilings, French doors in master lead out to the Florida room. Community features security gate, pool and lawn maintenance. R-78 $229,000

1 ACRE 3BR/2.5BA Brick Pool Home. Formal Living/ Dining Room, Kitchen has new s/s appliances. Opens to family room with fireplace. 15x10 Screened Patio, 21x44 Screened Pool, and 18x12 Storage Shed. $299,000

CASCADES AT WGV Beautiful 2BR/2BA w/Office/Den, backs to a preserve. Open kitchen, enclosed Florida Room and upgrades galore. The Cascades includes a clubhouse, sport complex and amenities. $339,000

MOVE IN READY Oversize corner lot, fully fenced back yard, new roof 2013. Windows in Living/Dining rooms plus A/C is also newer. Screened porch with vinyl windows and a auto sprinkler system with well. $153,900

GREAT LOCATION Crescent Beach Duplex close to the Public Beach Access. A 2BR/1BA on each side. Live on one side and rent the other or for income property until you are ready to settle here. G-53 $198,000

CORNER OF RIVERIA & BRIDGE STREET 7 parking spaces, 2 bathrooms one handicap, handicap ramp accessible to building. Currently used as office space. Tax records say this property is 3050SqFt. $399,900

GREAT ISLAND LOCATION! Spacious open floor plan.

Chef’s Kitchen, Large office w/built-in shelving. 4th bedroom used as a exercise room, loft area is private space for the upstairs guests. $775,000

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Text NETWORK to 85377 for all listings in your area.

Karen Peil

Broker-Associate

904-501-3070 Karen.Peil@bhhsfnr.com www.MyStAugustineHome.com

ELEGANT CUSTOM PALENCIA HOME on gorgeous .68 acre fenced lot with golf course/water views! Beautifully designed for spacious comfort with 6BR/4.5BA in 4,135sqft and 3 car garage. Upgrades and grand touches throughout. Relax on your screened lanai or enjoy all the amenities Palencia has to offer. $650,000 for photos, videos and information visit www.105MarshallCreekDrive.com MLS:156513 TEXT FNR1056 TO 85377.

BEAUTIFULLY UNIQUE circa 1889 Queen Anne Victorian in the heart of the historic downtown. Completely restored to the highest standards that combine authentic architectural details and old-world craftsmanship with room configurations and modern amenities that make the home perfect for today's lifestyle - including 4 large bedrooms, 3 bathrooms and an exquisite chef's kitchen. You will love the estate-sized, professionally landscaped lot, and the wrap-around porches! Don't wait to see this gorgeous home and start your St. Augustine life today! $1,295,000

BEAUTIFUL 3BR/2BA + Den concrete block home in desirable Oakbrook. Open and flowing floor plan, Florida Room and spacious patio for outdoor living all on one-half acre treed lot. $269,000 MLS:159964 Text FNR1215 to 85377 for photos and information.

BEAUTIFUL VISTA COVE with great amenities and nature surrounding you. Choose between a ground floor, treed view with garage for $175,000 or second floor updated unit with river view for $200,000. Both spacious 3BR/2BA perfect for second home or full time Florida living.

BEAUTIFUL OAK CANOPY is the view from your very private balcony in this updated and furnished 2BR/2BA condo. Newer appliances, kitchen, flooring, a/c and more. $102,500. MLS:159294 Text FNR1219 to 85377 for photos and info.

Looking to sell your St. Augustine home?

Just call Karen and to have your property advertised here as part of her complete marketing campaign!

Visit MyStAugustineHome.com and check Market Watch for values in your neighborhood!

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Neighborhood Details to Consider When Buying a Home When it comes to investing in real estate, it’s not only the house that should be considered, but also the location, neighborhood, and everything in its proximity. Buying your first home can seem overwhelming, but it doesn’t have to be.

Before finalizing the exact home to buy, here are some helpful tips to determine if that home’s neighborhood is the right one for you and your family.

Every neighborhood has rules.

Depending on your lifestyle now, your next home may be in a neighborhood with laws that you’re completely not accustomed to. According to a recent article by real estate expert Bill Gassett, there may be restrictions on where you can park (some neighborhoods do not allow parking on the street) as well as which outdoor renovations that are allowed or prohibited on the land you own. These rules are referred to as “restrictive covenants” and can put a damper on your daily life in the new house. Learn them before you move in.

Do you have easy access to your favorite hobbies?

Another huge factor that comes into play is your new home’s proximity to favorite activities or hobbies. Many people tend to overlook what they’ll do in their downtime because they’re busy looking for a place that’s close to work or school. Don’t you want to live in a home that’s convenient for both business and pleasure? Having fun is just as important!

Know the HOA or Property Manager.

Before a decision is made, gain an understanding of the type of neighborhood you’re getting yourself into. Is it owned by a Homeowner’s Association or property manager? What are their rules? What about reviews? According to Forbes Magazine, you may be able to find reliable ratings online if it’s managed by a large company. Do your research, talk to neighbors, and read up on local news stories to determine if it’s the right neighborhood for you.

The noise factor.

If interested in a home whose neighborhood is right near a busy road, keep in mind how noisy it’ll be.

There are a number of things that can cause noise around your home, such as nearby event centers, stadiums, pedestrian traffic, and crowded streets.

Some people are okay with a little noise if that means they’re closer to the hustle and bustle of the city. If that’s not you, then you should probably rethink the location of your home and neighborhood.

Changes in property taxes & insurance rates It’s important to know that taxes and insurance can vary according to the area or county. Learn how your area handles taxes before you move in.

Otherwise, it will come as an unpleasant surprise when you discover that you actually owe much more than expected. Living in this new area may also have an impact on your car insurance rates.

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Money-Saving Tax Benefits for New & Long-Term Homeowners Buying and owning a home is not only an important step in life, it’s an area rich with benefits when it comes to filing an annual tax return. Jackson Hewitt Tax Service reminds tax filers not to forget or overlook the many tax credits and deductions that relate to home ownership.

“From the special tax credit for first-time home buyers, to the numerous tax incentives for making energy-efficient changes to a home, there are multiple reasons for taxpayers to speak with a tax preparer and ensure they take advantage of all home ownership-related credits and deductions for which they are eligible,” said Mark Steber, chief tax officer, Jackson Hewitt Tax Service Inc. Steber reminds homeowners to keep the following tax benefits top-of-mind as they gather their tax-related documents to have their tax return prepared: First Time Home Buyer Credit: The IRS allows first-time home buyers to withdraw up to $10,000 from their traditional IRA (and even Roth IRAs) penalty-free to help with the purchase of the home. You can also borrow half of your 401(k) balance up to $50,000 for the purchase of a home. But, the interest you pay on that 401(k) loan, unlike a mortgage loan, isn’t tax-deductible.

New Home Energy Credits: Taxpayers can receive a credit for making their homes more energy efficient by caulking doors and windows, adding new insulation to attics, buying an energy-efficient hot water heater or air conditioner and more. The credit amount is a total of 30% of the cost of qualifying improvements, up to $1,500.

Tax Deductions and Buying a Home: Most of the expenses incurred when buying a home are not deductible. Yet there are certain closing costs (such as brokers’ commissions, attorney’s fees, recording fees, abstract fees, surveys, title searches, owner’s title insurance policy and transfer taxes) that are added to the basis of your residence that are important to keep track of. When you sell, the basis is needed to calculate any gain or loss.

Real Estate Taxes: You may deduct real estate taxes in the year paid. They are generally reported on Form 1098 (Mortgage Interest Statement) or on your county real estate tax assessment statement. You should also deduct any prorated taxes collected from you at closing.

These amounts are usually included on Form 1098, but you can get the total paid at your local tax assessor’s office if they are not reported on your Form 1098.

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Local Real Property Taxes and Assessments: Local taxes are deductible if they are charged uniformly against all property in the jurisdiction and if they are based on the assessed value of your home. Many states and counties also impose local benefit taxes for improvements to property, such as assessments for streets, sidewalks, and sewer lines. These taxes cannot be deducted but you can increase the cost basis of your property by the amount of the assessment.

Mortgage Interest: The amount of mortgage interest you paid on your principal residence (or second home) is deductible if you itemize deductions. This amount is generally shown on Form 1098 (Mortgage Interest Statement). You can also deduct the points paid to purchase your residence, even though some may have been paid by the seller. Mortgage insurance premium payments that are related to the purchase of your home are deductible annually.

In addition, Steber notes that taxpayers should keep records of the cost of improvements made that add value to the home, such as landscaping, patios, swimming pools, decks, room additions and roof replacements, as these items can be added to the cost basis.

Repairs such as fixing leaks, repairing roofs and painting are not deductible and are not basis additions. The cost of your own labor is not deductible.

For more information, visit www.jacksonhewitt.com.

Reprinted with permission from RISMedia. Š2015. All rights reserved.

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Holiday SELLER THE

DILEMMA

Whet cooki

TO DECORATE OR NOT TO DECORATE Many homeowners are hesitant when it comes to putting their home on the market to sell during winter months, especially around the holidays.

Fortunately, you don’t need to sacrifice your holiday spirit to attract buyers and sell your home. We have put together a list of top decorating and staging tips during this joyous time of year.

DE-CLUTTER & STAGE BEFORE YOU DECORATE

Be courteous to other religious views

Before adding holiday décor into the mix, prepare your home by cleaning and staging. This means getting rid of all your random clutter and tchotchkes throughout the house so you can make room for some sensible holiday style.

Be mindful that there are many different types of religions that celebrate during the holiday season. I recently read an article

by HGTV that highlighted Amy Powers, owner of Accent Home Staging & Interiors of Atlanta. According to Powers, “you want to keep neutrality throughout, so you can attract any type of buyer – no matter what your religion is, you’re not going to feel offended by a nutcracker.”

MATCH YOUR CURRENT STYLE & PALETTE Adding in decorations with colors that have nothing to do with the existing color scheme may do more harm than good. Instead, complement your living room’s soft blue palette with subtle white snowflakes or a silver wreath.

Don’t go overboard with lights Less is more when it comes to decorating with holiday lights while selling a home. Don’t be a Clark Griswold! Instead of covering your home with over-the-top light displays, settle for a simple string of lights that will complement the exterior features and architecture.

Tone down the tree.

You don’t need to sacrifice the holiday tree when selling your home during the winter months. You do, however, need to trim down the size. Consider using a smaller tree that fits the space without making the room feel crowded. Use silver or gold solid color ornaments and a simple strand of clear lights.

At the end of the day, you want buyers to be able to visualize their own belongings in your home, so remember to keep all your personal family ornaments and pictures packed away, de-clutter, clean everything, and use subtle holiday accents that will complement your home’s already existing style and color palette.

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Your Recipe of theMonth Whether you’re entertaining for guests or simply cooking treats for your family, here’s a delectable new recipe to try this season.

BRead pudding with whiskey sauce For the Pudding: Bread Pudding: 6 cups cubed, stale French or Italian Bread 1 apple peeled, cored and grated 1 cup sugar 1 tsp vanilla extract 1 cup golden raisins 3 large eggs 2 cups milk ½ tsp nutmeg ¼ tsp cinnamon butter pinch of salt

Whiskey Sauce: 1 ½ cups water ¼ tsp nutmeg 1 ½ Tbsp corn starch 2 Tbsp butter ½ cup firmly packed brown sugar ¼ cup good-quality whiskey or brandy

1. Preheat the oven to 375 degrees.

2. Combine bread, apple and raisins. Set aside.

3. Beat eggs until frothy; beat in sugar. Add milk, vanilla, nutmeg, cinnamon, and salt.

4. Pour over bread mixture. Set aside for 15 minutes for bread to soak up liquid.

5. Generously butter a 1 ½ quart casserole dish.

6. Pour bread mixture into dish; place on top of a larger jelly roll pan in the oven and pour boiling water into the outer pan to the depth of 1 inch.

7. Bake for 40-45 minutes or until toothpick inserted in center comes out almost clean.

8. Prepare and serve with Whiskey Sauce.

For the Whiskey Sauce: 1. Combine water, sugar, and nutmeg in a saucepan; bring to a boil.

2. In a small bowl, mix whiskey or brandy with cornstarch; add to sugar mixture.

3. Cook, stirring constantly, until thickened.

4. Blend in butter until melted.

Serve and enjoy!

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5 Ways to Save Energy When

it’s cold outside

As outdoor temperatures drop and home-heating costs are on the rise, it’s now more important than ever to make sure your home is properly prepped for winter. Here are some cold weather tips and easy DIY projects to help save money and energy this winter:

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Attic First, check to see if there is any missing or damaged insulation that can be readily replaced. A lower-cost alternative to block unwanted airflow is to place sheets of foam polystyrene plastic on top of existing insulation. You can also keep the cold air in the attic and out of the living area by installing some plastic foam weather stripping around the attic door.

Fireplace Although a fireplace is meant to heat a room, it often allows cold air to enter a house. An inexpensive product known as a “chimney pillow” or “fireplace plug” can reduce airflow when the fireplace isn’t being used. After installation, the pillow’s inflation tube hangs down into the fireplace as a reminder to remove it before lighting a fire in your living room.

Windows & Doors Make sure your home is properly insulated by inspecting doors, windows, and apply caulk or weather-stripping where necessary to keep cold air out. You should also close drapes, blinds and garage doors to preserve heat and prevent cold air from sneaking inside. There is a wide variety of low-cost weather stripping you can purchase that helps trap air, providing a barrier between indoors and out.

Switches, Outlets & Ducts Less obvious places that can waste energy are electrical switches and outlets. You can easily prevent air from sneaking in and out by placing pre-cut, inexpensive plastic foam insulation sheets behind switch and outlet covers. Check your home’s unheated areas for leaks in heating ducts, including your basement, attic and garage. If you find leaks, they can be easily sealed with plastic caulks or polyurethane foam sealants. These low-cost products are designed to fill cracks and crevices while keeping away moisture and mildew.

Follow these energy and money saving tips for a cozy home this winter and all year round. Many homes have areas that are not properly sealed, letting warm air escape your home and allowing cold air to sneak in. Helping to seal these leaks in problem areas can provide a quick and easy return on time and money invested.

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HOW-TO

Renovate Your Home Without Exceeding Your Neighborhood Value

Before you decide to invest in major renovations on your home, it’s important to understand that not all remodels will increase the value. It is certainly possible to over-remodel, and you don’t want it to exceed the value of your neighbors’ homes. Here are some ways to get the highest return on investment (ROI) possible when the time comes to sell your home.

Projects always worth your while There are specific renovation projects that can deliver the greatest effect on your ROI, regardless of the real estate market’s current state or the value of surrounding homes.

According to real estate expert Robert Stammers in a recent article in Investopedia, these can be projects such as an addition of a wood deck, kitchen and bathroom upgrades as well as window replacements.

Factor in location A common mistake that homeowner tend to make is renovating their homes to the point where it exceeds the value of surrounding homes. The fact of the matter is that people look in a specific neighborhood because of its proximity to nearby businesses or recreation and it’s in their price range. If improvements done to your home are much higher than homes around you, it’s unlikely that they’ll want to pay more for those improvements, even if they’re interested.

Make improvements that will add value over time Some home improvements, like upgrading the technological features of a home, will not have a lasting impact, and may even bring down the home value. These types of renovations are at a higher risk of becoming obsolete and outdated as years pass. Technology and styles change all the time, so focus on improvements that are less likely to be impacted by time and are worth your investment.

Renovations that will pay you back Regardless of whether a homeowner is planning to sell or not, the ultimate objective of taking on a renovation is to revel in the enjoyment you get from living in an updated home while gaining considerable profit from that investment. There are many tools out there that show the kind of profit you can expect from specific home remodels. A perfect example of this is Remodeling magazine’s “Cost vs. Value” annual report.

HERE ARE SOME OF THE FINDINGS FROM THE 2015 REMODELING COST VS. VALUE REPORT Projects that deliver the highest percentage of return on investment

Projects that deliver the lowest percentage of return on investment

Entry door replacement (steel): 101.8% Garage door replacement: 88.4% Siding replacement (fiber-cement): 84.3% Siding replacement (vinyl): 80.7% Deck addition (wood): 80.5%

Sunroom addition: 48.5% Home office remodel: 48.7% Master suite addition: 53.7% Garage addition: 54.7% Bathroom addition: 57.8%

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For all the Listings in the Area Text: SOUTHERNEXPOSURE to: 85377

Southern Exposure Real Estate Services

Residential - Small Business Commercial Office: 904.808.1345 Email: cshanks@SERESFL.com

Our Team Working With Your Team As A Team

Text P103339 to 85377 TUSCANY VILLAGE Move in Ready 2BR/2.5BA upgraded town home. The kitchen features upgraded cabinets, laminate counters, and black appliances. Upgraded interior doors and hardware. New carpet and fresh paint. Enjoy the 9x15 rear patio. HOA fee includes: irrigation, lawn maintenance, exterior maintenance, termite bond, and pool maintenance. $134,900 Call Jeff Norton at 904-347-7320

GREAT LOCATION Lots are directly on SR16 between Ninth and Tenth Streets. Adjacent Office Buildings are also For Sale or For Lease. Owners will lease this site which includes a 572sq.ft. block building. MLS:129177 $225,000

Text T1052930 to 85377

Text T1052930 to 85377 AVAILABLE LAND 41 Platted Lots. County water and sewer in close proximity. Preliminary Site Plan available for proposed development. MLS:131396 $135,000

LUXURY RESORT STYLE CONDO Ground floor 2BR/2BA unit with attached garage facing the marsh. Great location close to downtown St.Augustine. Gated community with clubhouse featuring a fitness center, business center, theater room, and lagoon pool w/ hot tub. MLS:158729 $179,900

For a Consultation on Selling Your Residential or Commercial Property Including a Detailed Property Valuation, Call or Email: Sonny Shanks, Managing Broker

904.808.0270

cshanks@SERESFL.com

www.southernexposurerealestate.com 21904.27.11.009.indd 9

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Dave Petkovsek 904-517-1500 • dave@rxreo.com Broker/Associate

Cell: 904-395-SELL ( 7355 )

1851 US1 SOUTH ST.AUGUSTINE, FL. 32086

$575,000 CANAL HOME Stunning 3BR/2.5BA/3CG home with interior elevator. 10ft. ceilings throughout. Second floor rear balcony with exterior spiral stairway, beautiful views overlooking the canal. Boat dock with covered boat slip. Very nice neighborhood only two block to the beach. MLS:207635

$199,900 ST.JOHNS RIVER ACCESS Upgraded 3BR/2BA with covered boat slip and lift. Great kitchen with s/s appliances, granite, and solid wood cabinetry. Outside is a decked pool with a covered patio and a gazebo and a 2 car detached garage and workshop. MLS:217060

$279,900 OCEAN HAMMOCK CONDO Cinnamon Beach 2nd floor 3BR/2BA 1,344LSF unit.

Optional beach club membership with access to Hammock Beach club offering indoor and outdoor pools, kids park, and more. MLS:217596

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$239,900 NO EXPENSE SPARED! Great Mecedes 4BR/2BA home with lots of natural light. Chefs kitchen with granite, s/s appliances, and 8 seat breakfast bar. Large patio with private fenced backyard. MLS:216334

$274,900 GATED COMMUNITY Immaculate 3BR/3BA open floor plan home. Soaring ceilings with skylights and gleaming wood floors. The main living area is HUGE and there is also a bonus room that can be used for a home office, den or craft room. MLS:217227

$179,900 FLORIDA STYLE 2 STORY HOME Open floor plan 2BR/2.5BA with a huge porch. Master bedroom with an en suite bath. A laundry room on the living level saves time. Don’t miss out on this bright and cheery home! MLS:217599

MOVE IN READY Open concept 3BR/2BA with a BONUS ROOM. New stainless steel appliances, carpeting and paint. Functional kitchen is wide open to the dining and living area. Fully fenced backyard for privacy. MLS:217751

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Mainland:

2820 US 1 South St. Augustine, Fl 32086

904- 797-6000

$179,900

ST.AUGUSTINE SOUTH - 3Bedroom | 2Bath | 1,792SF - Newly Painted | Lots of Updates - Large 22x19 Bonus Room $239,900

ST.AUGUSTINE SHORES - 3Bedroom | 2Bath | 1826SF - Fireplace | Updated Kitchen Floor - Screen Porch | Fully Fenced $329,000

OYSTER CREEK - 2Bedroom | 1Bath | 1,536SF - Fully Restored | Custom Woodwork - Large Sunroom | Waterfront

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Beaches: 731 A1A Beach Blvd St. Augustine, Fl 32080

904- 770-7104

$164,900

ANASTASIA ISLAND - 4Bedroom | 3Baths | 1,472SF - New Flooring | New Baths - Community Pool | Close to Beach $349,000

OCEANFRONT CONDO - 2Bedroom | 2Bath | 1,008SF - New Appliances | Lanai - Great Rental Potential $1,150,000

DIRECT OCEANFRONT - 4Bedroom | 4Bath | 3,022SF - Remodeled | Very Open Floor Plan - Fenced Yard | Spectacular Views

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Kay Huston-Robshaw Sales Associate REALTOR速

Cell: 904- 806-2696 3942 A1A South St. Augustine, FL 32080 Office: 904-471-9344

Kay.Huston@coastalrealtyfl.com

TO VIEW LISTING ON SMART PHONE, TEXT 85377 AND ENTER TEXT CODE D

CE

DU

RE

Text Code:P489862 OCEAN VILLAGE CLUB Ground floor 2BR/2BA unit. Steps to the heated pool. Sold Fully Furnished/Turnkey. Great income producer with this location and condition. MLS:160144 $247,900

Text Code:P687667 OCEAN GALLERY 2BR/2BA with spacious layout overlooking pool. GARAGE available to buyer of this condo for separate purchase. MLS:156122 $320,000

Text Code:P209315 OCEANVIEWS Sea Haven 3BR/2.5BA end unit. Beautiful & modern renovations. Overlooks Pool And Outdoor Area. Includes High End Furnishings. MLS:160010 $379,900

CRESTON HOUSE Amazing ocean views & sunrise daily from both Oceanside balconies of this 2BR/2BA in Creston House. Popular floor plan with balcony off Master BR. MLS:158467 $259,900 ES UD GE CL A IN GAR

Text Code:P772980 PONCE LANDING Direct oceanfront 2BR/2BA condo. Heated & unheated pools. Located in the heart of St. Augustine Beach.

Excellent rental history. Great Location. MLS:157718 $399,900

Text Code:P810326 SUMMER HOUSE 2BR/2.5BA Unit overlooking pool. Excellent condition. Updated & beautiful kitchen. 25 Acres of well maintained grounds. Fully furnished & turnkey. MLS:158422 $308,900

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Text Code: P312460 ANASTASIA OAKS Ground level 2BR/2BA condo in heart of St. Augustine Beach. Short walk to beach, restaurants, entertainment, pier & shopping. Spacious floor plan. MLS:147802 $220,000

Text Code:P489860 MOULTRIE CREEK Beautifully treed acreage with creek frontage. Approx 3.7 acres with approx 3 acres zoned CHT & .72 acre zoned RS-2. Unique & private property MLS:142422 $645,000

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GET ALL THE DETAILS OF THESE HOMES INSTANTLY AT YOUR FINGERTIPS

TEXT PROPERTY CODE

TEXT CODE: P115944 GROUND FLOOR OCEANFRONT 3BR/2BA unit on south end corner. Fully furnished and turnkey ready.

Great complex w/2 oceanfront pools, beach walkover and nearby beach ramp. $429,900 O197TM

TO

85377

TEXT CODE: P526461 POOL HOME with 820 sf guest house and large fenced back yard. Spacious open floor plan with den, great for entertaining and privacy for home office. $399,900 M251TM

Where do you want to be?

TEXT CODE: P526460

JUST MINUTES FROM CRESCENT BEACH, this 3BD/2BA secluded home is surrounded by lots of nature with just over an acre. Brand new appliances, fresh paint & new floor covering. $298,900 H129TM

TEXT CODE: P209327

SPACIOUS 3BD/2BA with den offers a large open floor plan and fully fenced yard. Corner lot in Stonegate. New flooring, fresh paint and more! $229,900 S517TM

TEXT CODE: P214804 3BR/2BA w/formal dining, breakfast room & den/ study. Large living/great room open to kitchen & play/game room between guest rooms. Large master w/generous bath & closet. $264,900 G82TM

TEXT CODE: P526463

3BD/2BA HOME in quiet subdivision on Anastasia Island. Double carport and large Florida room. Needs Some TLC... but could be amazing! $204,900 O200TM

teresamercurio@hotmail.com 21904.27.11.014.indd 9

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GRO golf carp plum

den/ hen arge TM

n on arge d be

TEXT CODE: P309587

TEXT CODE: P159054

PRICE REDUCED 1607 sf 3BR/2BA pool home with fully fenced back yard. Large open living room with fireplace, eat-in kitchen and side entry garage. $188,900 W165TM

NEW LISTING! Concrete block home with 1 car garage and 1 car carport. Back yard is beautifully landscaped with walking paths and a great little air conditioned retreat. $189,900 D191TM

TEXT CODE: P267026

TEXT CODE: P661113

WELL MANICURED fully fenced lawn with orange & grapefruit trees. Circular drive with 2 gates and in-ground pool. Huge walk-in closets, gas log fireplace and walk-in pantry. $164,900 E96TM

4BR/2BA HOME with fully fenced yard! Wonderful kitchen with lots of cabinet space, downstairs laundry room, large living area and formal dining.

New roof and large shed. $149,900 N82TM

TEXT CODE: P806548

TEXT CODE: P114794

GROUND FLOOR CONDO overlooking the pool & golf course! 2BD/1BA unit with over 1000 sf . New carpet, new AC, fresh paint, new appliances and plumbing. $74,900 D188TM

2BR/1BA MOULTRIE LAKES CONDO right in the heart of St. Augustine’s shopping district.

Affordably priced and ready to move in to. Fresh paint, new stove, carpet & AC. $74,900 O202TM

Teresa Mercurio

Broker/Owner

Office: 904-825-2700 Cell: 904-377-0974 teresamercurio@hotmail.com www.buystaugustine.com

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JANICE BROWN

BRANDON PARSONS

Broker/Owner 904-540-7760 Text: JaniceBrown To: 85377 to view all properties available 101 Orange St. St. Augustine, Fl 32084

Realtor Associate

904.219.9818

Text P484664 to 85377

Text P257879 to 85377

INTRACOASTAL FRONT HOME SURROUNDED BY WATER directly overlooking Matanzas Bay and Ocean. Stunning 3 story home w/ 5 Bdrm 3 Bath and 3 levels of decks. $1,165,000

Text P473026 to 85377

ericbeardsleyrealty@gmail.com

Text P264838 to 85377

SPACIOUS 3/2.5 TOWNHOME IN OXFORD CHASE JAX! Over 1800 Sq ft. w/ open floor plan, 2 garage & storage. Beautiful gated community w/ stunning Clubhouse, Pool and Gym. $220,000

Text P473022 to 85377

HISTORIC STRUCTURE NESTLED AMONG THE CEDARS + VACANT LOT! HP-5 zoning allows for business office. Includes Separate CB storage w/ studio unit & 50 x 50 buildable lot. $650,000

Text T1610003 to 85377

BEAUTIFULLY DECORATED UNIT W/ LAKE VIEWS! Desirable Lake View Condo. Located downtown w/ views of Lake Maria Sanchez.

Sold fully furnished. MLS:153960 $265,000

TOP FLOOR OCEANFRONT CONDO W/ AMAZING VIEWS!! Well maintained 2/2 in Ocean Hibiscus. Comes fully furnished and has great rental history. $279,000

Text P318482 to 85377

Text P318485 to 85377

VACATION RENTAL IN THE HEART OF HISTORIC LETS TALK DIRT! Downtown building lots starting DISTRICT! Please see the booking sites for @$87,900. Other lots available staring @ $1,900. booking info www.vrbo.com/607032. There are 4 suites total. :607032, 607862, 677383, 717144

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Realtor Associate

904.599.3644

brandonparsonsrealty@gmail.com

ADORABLE 2/2 IN HISTORIC AREA OF DOWNTOWN! Great front porch and small deck on back facing a fully fenced deep lot. Open floor plan, vaulted ceilings. $225,000

ERIC BEARDSLEY

Text P817698 to 85377

WELL MAINTAINED BEAUTY IN DAVIS SHORES! 3/2 concrete block homes w/ lots of upgrades. New roof in 2005, attached over sized 2-car garage plus a carport. MLS:158569 $295,000

SAN SEBASTIAN VIEWS! Unique Property Hidden Behind A Walled Garden W/ Saltwater Pool.

Currently used as single family residence but w/ CM-2 Zoning options are endless! $295,000

Text P473028 to 85377

INCREDIBLY AFFORDABLE FIXER-UPPER!! 2 Bdrm 1 1/2 Bath house needs a little TLC, but has great potential. Nice sized lot with a fenced yard.

MLS:156753 $49,000

Text P449399 to 85377

VACATION RENTAL WALKING DISTANCE TO OLDE TOWN! Four luxury suites available. For more information about this listing please visit www. vrbo.com :730273

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