Real Estate May 16, 2025

This and That For Your Home/Who to Call ” list

This and That for your house…

Keeping your house in its best shape…paint colors?  countertops? granite, butcher block or quartz? The twelve remodeling projects that bring value to a resale.  I updated “Who to Call for Services” list.

What the NAR says to remodel and the estimated return based on upfront cost:

New steel front door: 100% (estimated return based on upfront cost)
Closet renovation: 83%
New fiberglass front door: 80% New vinyl windows: 74%
New wood windows: 71%
Basement conversion to living area: 71% Attic conversion to living area: 67% Complete kitchen renovation: 60% Minor kitchen upgrade: 60% Bathroom addition: 56%
New primary suite: 54%
Bathroom renovation: 50%

link to full article:12 Remodeling Projects That Offer the Best Value at Resale

What paint colors are okay?

Neutral colors don’t always have to be your go-to in home staging. Sherwin-Williams color trend-setters offer a reason to expand

your color palette.

link to full NAR article: A Dark Secret in Real Estate … About Paint, That Is

Counters:  What to Choose

Kitchens are busy hubs, so choosing a countertop – quartz, granite, laminate or butcher block – depends on budget, style and maintenance needs.

link to full FAR article:What to Know About Kitchen Countertops | Florida Realtors

 

WHO TO CALL FOR SERVICES LIST:

PRINTABLE PDF:    who to call 2025

 

Real Estate May 10, 2025

Retirement to Renovation: Seniors Turning Fixer-Uppers into Fortunes

From my guest blogger…

Retirement to Renovation: Seniors Turning Fixer-Uppers into Fortunes

 

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Image via Pexels

Retirement doesn’t have to signal a slowdown. For many older adults, it’s the start of an entirely new chapter—one driven by autonomy, fulfillment, and, yes, profit. Enter the world of house flipping: an industry long dominated by younger, HGTV-fueled enthusiasts, but increasingly drawing in seniors looking to blend income with creativity. With years of life experience, financial discipline, and more flexibility in their schedules, seniors are uniquely positioned to thrive in this high-reward real estate game—if they approach it with the right strategies.

Experience Is an Underrated Asset

There’s a depth of wisdom that comes from decades of decision-making, and it can be a game-changer in real estate. Seniors tend to avoid impulsive buying, and in a market where timing and negotiation are everything, that patience becomes a serious advantage. They’ve seen economic swings and housing trends come and go, giving them an intuitive edge when it comes to recognizing undervalued properties. Plus, many already own homes and may have experience with renovations or home maintenance. Those life skills translate directly into the ability to assess properties realistically and plan upgrades that make sense.

Build Smarts Alongside Structures

Flipping houses doesn’t mean leaving learning behind—especially when going back to school can sharpen your edge. With coursework in accounting, business, communications, and management, you can learn skills that can help your business thrive in a competitive market. Online degree programs make it easy to manage your real estate work while going to school at the same time, giving you flexibility without sacrificing momentum. For those exploring long-term business degree career opportunities, formal education offers both practical tools and professional credibility that can elevate your flipping venture from a side project to a serious enterprise.

Partner for Strength, Not Speed

House flipping doesn’t have to be a solo act. In fact, for older adults, working with a reliable partner can be essential. Whether that’s a family member with complementary skills, a real estate-savvy friend, or even a younger investor looking for mentorship, these collaborations provide both energy and balance. Seniors bring strategic thinking and access to capital, while partners can handle physically demanding tasks or digital operations like social media marketing. The goal isn’t to move fast—it’s to move wisely, with support structures that make the whole venture more sustainable.

Understand the Numbers Like a Banker

This isn’t a hobby—it’s a business. Successful flippers live and breathe numbers, and seniors who want to succeed need to do the same. Knowing the after-repair value (ARV), estimating costs conservatively, and understanding market comps are all essential. But perhaps the most overlooked element is time: every week a home sits unsold, carrying costs eat into profits. Seniors often have more time to monitor projects closely and can spot budget creep or delays faster than someone juggling a full-time job. That vigilance can keep profits from slipping through the cracks.

Use Retirement Funds with Intention

One often overlooked benefit older adults have is access to retirement accounts that can be leveraged for investment. Self-directed IRAs, for example, allow property investments without incurring early withdrawal penalties. But the key is using these funds strategically—not gambling them away. A conservative, single-property investment with well-researched upside can be a smart way to test the waters without overcommitting. It’s not about flipping ten houses in a year. It’s about making one or two meaningful investments that can supplement retirement income and create long-term wealth.

Keep the Stress Low and the Satisfaction High

Unlike younger flippers trying to build empires overnight, older adults can afford to be more selective and deliberate. That slower pace allows for better decision-making and often better results. Flipping should feel exciting, not exhausting. Seniors should give themselves permission to say no to high-risk properties and avoid overly complex renovations. Working with a trusted agent who understands the goals of the project—and who isn’t pushing volume over value—can also help make the process more enjoyable. The satisfaction of seeing a once-neglected house become someone’s home is often just as fulfilling as the check at the end.

The real payoff in house flipping isn’t just in the dollars earned—it’s in the stories created. Many seniors enter the business not just for extra income but to leave something behind: a skill passed on to a grandchild, a contribution to a neighborhood’s revitalization, or simply the joy of having built something tangible in a season of life when that’s often overlooked. The combination of practical wisdom and a renewed sense of purpose makes seniors ideal candidates for flipping homes with both profit and principle. And in a market that’s always chasing the next trend, it’s this kind of grounded approach that can truly stand the test of time.

 

Real Estate May 4, 2025

Spring 2025 Real Estate Update May 2025

According to the National Association of Realtors…Home buyers this spring are locking in lower mortgage rates than they could a year ago, when rates pushed above 7%. But even with the latest decline—bringing 30-year fixed rates to a 6.76% average—many prospective buyers aren’t ready to take action.

full article: Mortgage Rates Ease Slightly- Is It Enough to Grow Spring Sales?

 

Black Diamond:

to date: sold/pending: https://portal.onehome.com/en-US/share/1010017k44959

2024= 17 closed

BD for sale:  https://portal.onehome.com/en-US/share/1010018p61225

Pine Ridge:

sold/pending: sold TO DATE: 78

PR: for sale https://portal.onehome.com/en-US/share/1010019V26254

Citrus Hills Gated:

CITRUS HILLS (gated):  171 sold to date

for sale:  https://portal.onehome.com/en-US/share/1010020E77698

TO DOUncategorized April 25, 2025

Heading to Summer in FL…What to do…

If you are looking for something to do this weekend, the Sugar Sand Festival on Clearwater Beach is awesome!   It’ll take you about an hour to go view all the exhibits (it is under a tent) and then maybe you want to spend the rest of the day at the beach… and/or the Clearwater Aquarium is assume too!  We had lunch at Crabby’s(on the 3rd floor).. awesome view of the area and good food.  Frenchy’s is also recommended as a dining establishment. 

And this week I give you some ideas on what to expect around Citrus  County in the summertime. Some of the dates have not been updated yet but if you’re interested in them, I do provide a website, even though the websites are not quite up-to-date for 2025.

 

Black Diamond Reese NORRIS will perform at the Homosassa Distillery on Friday, May 2 from 5:30 to 8:30 PM

 

 

Sugar Sand Festival…(only some of the pics I took)

 

Crystal River:

https://www.discovercrystalriverfl.com/?gad_source=1&gbraid=0AAAAACoqOf7M5Npdyj4hTrd9FZfPbsiLl&gclid=Cj0KCQjw5azABhD1ARIsAA0WFUGuqptXVq3SS44utZaB0_rmvGSnbapbSrpNMbIKhEoIWPBa5yZw1ywaAoOlEALw_wcB

June

Homosassa River Fireworks Fest & Poker Run
An all-day poker run on the Homosassa River followed by a brilliant fireworks display make for a day of outdoor fun for the entire family!  https://www.floridacrackerriversideresort.com/

July

Inverness Patriotic Evening
Celebrate the 4th of July in Inverness with a stunning fireworks display over Lake Henderson and live music.   

https://www.inverness-fl.gov/550/Patriotic-Evening

4th of July Celebration
Crystal River’s annual 4th of July celebration takes place at Kings Bay Park and includes a parade, fireworks, live entertainment, food, beer, and wine – and more! https://www.crystalriverfl.org/special/page/special-events

August

Pine Street Jam & Parrothead Party
Calling all Jimmy Buffet fans! This parrot-themed downtown street party in Inverness features live music, food vendors;  

https://www.discovercrystalriverfl.com/directory/pine-street-jam-parrothead-party-august/

TBD:  

???   Ozello Arts, Crafts, & Blue Crab Festival  9- 4pm
A tradition celebrating all things arts, crafts, and blue crab. Enjoy food, drinks, locally made goods, and lots of delicious blue crab delicacies. 

??? Ozello Craft Show & Chili Cookoff
Who will win the annual chili cook off? This family-friendly event features a craft show and lots of delicious chili to sample. 

Home MaintenanceReal Estate March 28, 2025

Getting Ready to Sell Your Home?

Get the Facts

Consumer Guide: NAR: Preparing to Sell Your Home

NOTE: Consumer guides do not constitute any change in NAR policy. Real estate professionals must ensure they market properties consistent with relevant MLS rules and educate sellers on the choices available.

Once you decide to sell your home, you might have questions about how to prepare it for listing and viewing by potential buyers. An agent who is a REALTOR® can guide you through this process. Here are some common considerations as you prepare your home to sell:

How do I find the right agent to sell my home?

You should feel empowered to find and work with the agent who is the best fit for your needs. To guide this process, NAR has a dedicated resource with questions to consider when selecting a seller’s agent. When you work with an agent who is a REALTOR®, you are working with a professional guided by ethical duties under the REALTOR® Code of Ethics, including the pledge to protect and promote the interests of their clients.

Do I need to have my home inspected before putting it up for sale?

No, a pre-sale inspection is not required. However, an inspection can be used to identify potential issues in your home that you can consider repairing before showing your home to potential buyers and use as a differentiator for your property. If you choose to conduct a pre-sale inspection, an inspector will assess your home’s condition, including its structure, exterior, roof, plumbing, electrical systems, heating and air conditioning, interiors, ventilation / insulation, and fireplaces. It may also include tests for problems that can affect human health like mold, radon gas, lead paint, and asbestos. Sometimes buyers may also conduct their own inspection as a contingency in their purchase agreement. If you uncover possible issues that may appear during a buyer’s inspection, you will have time to make any necessary changes that could impact your home’s asking price. You should also talk to your agent about disclosure requirements in your state if a pre-sale inspection uncovers an issue.

What should I do if something in my home needs to be fixed or replaced soon?

If something in your home requires a significant repair—such as a roof, a system such as HVAC, or an appliance like a dishwasher or washer / dryer—you should determine how much the repair will cost, even if you do not plan to fix it before selling the home. These estimates will help sellers determine the costs that buyers might take into consideration when negotiating a purchase agreement.

Am I required to make any cosmetic updates to my home before putting it up for sale?

No, but you may want to clean the windows, carpets, lighting fixtures, and walls, and store away clutter before showing your home to potential buyers. Sellers may also look for ways to improve “curb appeal”—how the home looks to a potential buyer when viewed from the street—by updating aspects such as landscaping, the front entrance, and paint jobs. These steps may help improve the home’s appearance in photos, which can play an important role in attracting potential buyers.

Do I need to provide information about appliances that will stay in the home after it’s sold?

You should locate warranties, guarantees, and user manuals for the furnace, washer / dryer, dishwasher, and any other appliances or systems that will stay in the house with a new buyer. It is recommended that you find these items now to avoid any lost paperwork causing an issue with a potential buyer when you reach the time of finalizing, or “closing,” the transaction.

What does it mean to stage my home?

Staging is the process of cleaning a home and temporarily filling it with furniture and decorations that may help buyers better see themselves living in the home. While it is not required, some sellers may work with a stager to focus on certain key areas of their home that are important to buyers. Some agents may also include staging in the services they provide you.

Practices may vary based on state and local law. Consult your real estate professional and/or an attorney for details about state law where you are purchasing a home. Please visit facts.realtor for more information and resources.Washington, D.C. 20001-2020

 

NEED HELP GETTING YOUR HOME READY/

here is an updated who to to call list (Printable)

wh to call 2025

 

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Home MaintenanceReal Estate March 15, 2025

Home Remodeling

Spring is in the air, time for planting, remodeling…  Here are some ideas on homes and their need to be updated to sell for a good price.

Sellers are encouraged to showcase home renovations as buyers are increasingly seeking turnkey homes. Buyers are willing to pay more for remodeled homes.

NEW YORK — Even as home prices keep going up and properties become less affordable, homebuyers are willing to pay more to own a remodeled home, according to Zillow.

Nationwide, buyers pay roughly $13,200 more than expected — about 4% of the median price — for renovated homes, researchers at Zillow found.

In the company’s analysis last year, buyers were willing to pay less than 1% more.

“Buyers looking for a turnkey home should be prepared for increased competition from other buyers,” Amanda Pendleton, Zillow’s home trends expert, said in a statement. “For sellers, if you have made renovations, flaunt them in your listing description.”

Zillow analyzed 359 key words in the listings of more than 2 million homes that hit the market in 2024. Of those key words, the term remodeled more than any other spurred buyers to pay more.

Listings on Zillow with this key word are more often saved and shared. Almost 30% of Zillow’s listings for homes for sale are described as renovated, which the company attributes to a pandemic-era boom in renovations.

Before the pandemic, the company found that home listings that included such terms as fixer, TLC, needs work or good bones saw more demand and were more likely to sell.

Now, across the country, a home listing that uses the term fixer-upper sells for about 7% less than expected — the largest discount in three years, according to Zillow. And home listings with the terms needs work or TLC sell for about 8% less.

link to full article:Buyers Want Remodeled Homes | Florida Realtors

If you are thinking of remodeling…do some research and/or contact an interior decorator 

Here is an article with remodeling ideas that includes: natural stone countertops, layers of color, well-made furniture, brass fixtures, etc.

link: 9 Home Designs That Will Never Go Out of Style, According to Designers

Here are the worse colors to have in your home, if you are trying  to sell…

The most off-putting interior colors for home buyers in 2025

Lime green: 73% Bold pink: 42%
Red: 35%
Purple: 33%
Bold orange: 30% Mustard yellow: 20%

full article: The Worst Home Colors for Selling in 2025 | Florida Realtors

Home MaintenanceWho to Call March 1, 2025

Home Improvement Updates

I spend many blogs describing home improvement ideas…this week I list the improvements we have made to our 25 year old home.  I include the vendor and or handyman who did the work…if they are still in business.  Also included an updated “Who to Call” with added:  hauler, handyman; yard services and Mrs. Grout.

 

INSIDE: 

House: wall to wall carpets gone  all floors tiled. 

Tile grout restored and resealed in Office, Kitchen, Great Room, Laundry Room …Mrs. Grout (plan to do master shower)

Guest bedroom blinds replaced 2025… Hunter Douglas Warranty!

All crank out windows are rebuilt- David Arnold

Hunter Douglas luminettes and silhouettes cleaned several times including 2024: Clean Carpet & Drapes  (Anne Thompson Interiors, Hernando)

Fireplace refurbished and working 2024  Mr. Fireplace

Granite counters installed  in guest bath, laundry room and kitchen. 

2021: Stainless Steel  Kitchen sink,   oven , range, microwave,  and 3 door refrigerator and s/s Bosch dishwasher (2020)

Original stove top replaced with an GE induction system 

; 

Garbage disposal and sink water filtration system replaced;  Handyman Kevin Hurd

New kitchen cabinet handles

2025 : Attic insulation evaluation  Suncoast Insulators

Air ducts cleaned  2 years ago  Stanley Steemer

New shower head and safety bars in master shower Handyman Eric Loskill

LED lights master bedroom closet and laundry room Handyman Kevin Hurd

All new smoke detectors 2024;  Premiere Electric 

Replaced dining and kitchen nook chandeliers; Handyman Kevin Hurd

Two 19 inch toilets: one in guest and one in master and also a wash toilet in master; Handyman Kevin Hurd

2017 doorway rollers replaced

2017 New washer and dryer

Built-in Entertainment unit rebuilt to accommodate large screen TV

OUTSIDE

New keyless garage door opener

New Wi-Fi sprinkler box system 2025

2016 Sprinkling systems renovated with new heads etc. Pipe it To, Mike Eddinger

Folding Aluminum ladder for attic entrance-Handyman Henry Santana 

Garage floor painted (twice); Handyman Kevin Hurd

New hot water tank  and  pressure valve 2018;  Tsacrios Plumbing 

Roof inspected and repaired… due again for inspection;  Don Poss Roofing

Pool resurfaced and retiled, converted to new salt water system  2017 

Pool deck re-surfaced 2024  Pools by Warren

New Gas pool heater 

Pool filter 2024

Lanai rescreened  Screen Monkey

New cabinets on lanai; Henry Santana 

Automatic retractable hose hose lanai and front of house; Handyman Kevin Hurd

House Outside painted 3 times 

Ring camera security front and back 

Bell & Howell motion detector front

Air conditioner at end of life but system we last put in was 5 ton more than enough for house size-Bay Area

Dryer vent cleaned yearly; Kevin Hurd; Stanley Steemer

Garage doors serviced , new springs, rollers  Discount Garage Doors

Tinted Privacy film on garage window

New lanai awning  2015

New mailbox

Termite bond thru Fl Pest

2016-2018 added gutters and gutter screens  

printable pdf:   Who to Call for Services 03:2025

Home MaintenanceReal EstateUncategorized February 21, 2025

Smart Technology for Enhancing Your Home’s Worth

One way to make your home a more valuable,  attractive,  and or “modern”  place to live is to add smart devices to your home.  While  a total smart home will cost you hundreds of dollars, just adding one or more $100 items might be a good start. I read two  ZDNET articles.  

As the first article suggests:  In these days it’s easy to automate your entire life. You can buy a car that can drive and park itself, a smart watch that can detect if you’ve fallen and call for help, and a robot vacuum that can map out where your home needs to be swept.   And thanks to Smart home set up, you can even automate your lights, and the temperature, and even how you get your news. These articles can tell you  where to start… these articles might give you some ideas:

Smart home products:  there’s something for everyone, no matter what phone one may  have or what voice assistant one may prefer.

Both these articles talk about smart speakers with tons of abilities like playing music, setting reminders, making phone calls,  answering questions and acting as a control hub for other smart devices via voice command capabilities.  The Amazon Echo speaker or the Echo pop or the Echo dot are tech examples.

Video Doorbells: You can add to your home  a video doorbell: they provide insight into who or what is at your door without you ever leaving your couch.   Our top pics for the best video doorbells have HD video and motion detection and connect to a mobile app as well as other smart devices so you can ask Alexa, who’s at the door?  Another way to protect entries of your home is to install a smart lock. Today’s devices use fingerprint technology and customizable key combinations and make it easier to go to Keyless and say goodbye to the day of forgetting your overcrowded keychain.

Smart thermostat: a device that can actually save you money on your electric bills by creating automated schedules.   The best smart thermostats adjust themselves to your climate schedule and offer voice control with Geo fencing technology.

WHEN YOU CLICK ON THE  full article link:  You will find links and information on certain brands and where to buy them… so you can do your own research.

Right now I am struggling getting my new sprinkler system box wifi set up—weak internet signal! 

 

 

If you live in Citrus County, you might want to check with BD resident for updating technology: Schlabach Security and Sound  https://sssonline.biz/

 

 

direct link to articles:

Smart home starter pack- Top 5 devices you need | ZDNET

The best smart home devices of 2025- Expert tested and reviewed | ZDNET

Home MaintenanceReal Estate January 30, 2025

How Good is Your Homeowner’s Insurance Policy?

 

This week I present several articles about homeowners’ insurance. What is covered in a natural disaster?  How old can your roof be, to get it insured?

In a previous blog,  I discussed how to shop around for homeowners insurance if you find your homeowner insurance going way up because of the age of your roof.  Most of the info is  still accurate, except in Black Diamond, you can now choose the material of your roof (steel, asphalt shingle or tile).  Of course, the POA/ ARB has to approve the roof contract. Here’s the link to that article:

https://lindathomas-jwmortonrealestateinc.sites.c21.homes/2023/12/18/aging-roofs-and-homeowners-insurance

Then the Florida Association of Realtors published an article on homeowners’  insurance and natural disasters.  What does insurance actually cover?

Standard homeowners insurance typically covers the structure of your home, other structures on your property (like a detached garage or shed), and your personal belongings in the event of fire damage. This includes fires caused by candles, grease, electrical malfunctions (e.g., faulty wiring), wildfires, and lightning. However, a standard policy may not cover all fire damage, including damage caused by nuclear hazards, arson, poor maintenance, or regular wear and tear. Please contact your insurance agent if you have questions.

link to full article: Consumer Guide- Fire Damage and Policy Coverage

 

 

I got to thinking about the fires in California… and I asked my local agent to explain what homeowners’ insurance covers in catastrophic incidents.

The recent devastating wildfires in California serve as a sobering reminder of how natural disasters can strike with little warning, causing significant damage and disruption. While here in Florida, we are fortunate to have preventive measures such as prescribed burns to help reduce the risk of uncontrolled wildfires, we are not without our own weather-related challenges. Our state is frequently impacted by hurricanes, tropical storms, and flooding, making it crucial to ensure that your home insurance policies are up to date and provide the coverage you need.

Link to full article: Newsletter – Protecting Your Home – Lessons from the California Wildfires

Real Estate January 23, 2025

Updating Your Home

 Last week’s blog contained home maintenance issues and how to  keep your home’s value high.  This week I present articles about remodeling and updating your home. I include things for the kitchen, quartz vs granite,  and an important topic nowadays is the age of your hot water tank…when selling, insurance companies will not insure a hot water heater that’s over 15 years old. So you have a decision to make…do you replace the one you have, or do you put in a tankless system?   Bob Vila gives you some ideas on other DIY home improvements.