Manatee Moves - The Joe Murphy Team

New refinance program announced allowing underwater homeowners to refi

Joe — Thu, 02 Feb 2012 15:41:44 +0000

This month President Obama is announcing a new program to help homeowners who want to refinance their home loans to today's lower interest rates but have been unable to do so due to being underwater.

Right now in Manatee county almost half of the homes that have mortgages on them owe more than the current value. If you are underwater in your home refinancing to get to a lower payment is simply not possible as any lender would require that the home be appraised, and the loan could not be for more than the current appraised value.

The new loan refinance program will have a limited population that it will really help, but could be a boon for those who have a high interest rate loan, and are underwater. There are some catches to the program though.

You have to be current in your payments for the last 6 months, and you can only have been late on one payment in the 6 months prior
The home loan amount has to meet what is considering conforming loan limits. In Sarasota and Bradenton, homes that have a loan amount below 416,000 would qualify. If you have a jumbo mortgage, then you are out of luck.
how they intend to pay for the program that should cost 5 billion or more is to add a tax to to the major banks. This will be then passed onto everyone through higher fees. This is assuming that the program that gets through the congressional process that would need to approve this aid program.

Some really good points to the new program

If your home is underwater the program will allow up to 140% OVER the current market value to be appraised.
If you owe over 140% on your primary loan, then apparently there is a caveat that the lender would have to reduce your principle to this amount (140% of market value). In my opinion, most homeowners would probably rather sell their home, as a short sale, then to keep a home so far underwater.
They are proposing a streamlined application process that my sources (wall street journal) state would only involve verifying employment. Typically on a loan application, or refinance there is a lot of paperwork to provide, including tax returns, bank statements, etc. An easy process to apply should really help

I think that this program is well intentioned, however it seems to me to a posturing effort that will allow President Obama to show that he is out to help distressed homeowners. If this Refinancing program is blocked by Congress, then this could be a talking point that he will use to show how he is on the side of the people, and Congressional Republicans are against homeowners.

The biggest issue with this program is that it does not address those homeowners that are late, or behind in their mortgage. I meet with many homeowners in Manatee and Sarasota county that are frustrated with their low home values, and feel trapped by the negative equity. Many have had issues keeping up with the mortgage payments, and even if they are late, once in the past year, this program doesn't help them whatsoever

A recent new short sale home seller in Bradenton summed it up best. He had bought in 2005, with an adjustable rate loan. It was a home that was within his budget, but do to the recession, he was unable to keep up with the payments. He had called his lender, Bank of America, to do a loan modification to lower his interest rates, but was drug through the process with no positive outcome. He fell behind in his mortgage payments, while waiting for the help that never came.

Bank of America suggested that he short sale his Bradenton home as an alternative to foreclosure. So now I am able to help him sell his family's home and avoid a foreclosure. He owes 400,000 on a home that was 550,000 in 2005. Now that home will sell for in the 250,000 range.

They are frustrated as they are going to have to move into a rental, and have damaged credit. Plus losing the 150,000 in down payment for the purchase. Meanwhile this short sale home will sell to a new homeowner who will get a much lower interest rate, and have a mortgage close to half of what he was paying.

It's hard not to get angry when you know the next owner of your home will be paying much less to purchase, and monthly payments that they could have easily afforded.

My proposal, would be to have ALL homeowners mortgage payments reset to what the current market value is today. When the home sells in the future, the negative equity portion would be recaptured by the investor/lender. All homes will eventually sell, so there will be an eventual gain to the lender. This idea would keep many thousands of families in their homes, and help stabilize the market by eliminating all those that don't want to sell but are forced to give up their homes through a short sale or foreclosure.

Regards,

JOSEPH MURPHY, P.A.
941-780-3260 cell/text
941-739-9120 fax
joe@manateemoves.com
manateemoves.com

COLDWELL BANKER RESIDENTIAL RE
11215 SR 70 SUITE #105
Bradenton, FL 34202
E-mail: joe@manateemoves.com

Posted via email from Joe Murphy Knows Real Estate in Bradenton

175k-1681 Morenci Terrace

Joe — Thu, 26 Jan 2012 01:19:28 +0000

1688 Morenci Terrace

North Port, FL 34286

MLS # M5825218

1688 Morenci Ter, North Port, FL 34286 (MLS # M5825218)

(all data current as of 2/4/2012)

Price	$174,900
Beds	3
Baths	2 full, 1 half
Home size	2,268 sq ft
Lot Size	10,300 sq ft
Days on Market	90

Short Sale. This center hall colonial is situated on fresh water canal! Upgrades galore, from hardwood floors, maple cabinets, granite counter tops, self cleaning pool w/waterfall, whole house generator, palladium windows, decorator glassfront door w/side panels, Bose surround ceiling speakers, upgraded lighting, paver brick pool deck, walkway and driveway, and the list goes on! Listing price may not be sufficient to pay the total of all liens and costs of sale, and sale of property atfull listing price may require approval of seller's lender(s).

Property Type(s): Residential / All, Residential / Single Family

Last Updated	12/13/2011	Tract	Port Charlotte 8
Year Built	2006	Community	n/a
Garage Spaces	2.0	County	Sarasota
Total Parking	2	Walk Score ®	9

Additional Details

Bonus Room (Approx.)	14x10	Taxes	2097
Dining Room (Approx.)	12x10	Family Room (Approx.)	18x14
Kitchen (Approx.)	11x11	Master Bedroom (Approx.)	13x13
Total Acreage	Up to 10,889 Sq. Ft.	Waterfront Name	CREIGHTON

Features

Additional Parcel Y/N	No
Air Conditioning	Central
Appliances Included	Dishwasher, Disposal, Exhaust Fan, Hot Water Electric, Microwave, Range, Refrigerator
Architectural Style	Colonial
Area (Range)	North Port/Venice
CDD Y/N	No
DPR Y/N	Yes
Exterior Construction	Block, Stucco, Wood Frame
Exterior Features	Gutters / Downspouts, Irrigation System, Mature Landscaping, Outdoor Grill, Outdoor Lights, Patio/Porch/Deck Covered, Patio/Porch/Deck Screened, Sliding Doors
Fireplace Y/N	No
Floor Covering	Ceramic Tile, Wood
Foundation	Slab
Garage Features	Attached, Door Opener
Garage/Carport	2 Car Garage
Heating & Fuel	Central, Fuel - Electric, Heat Pump
HOA/Comm Assn	None
Homestead Y/N	No
Interior Features	Blinds/Shades, Cathedral/Vaulted Ceiling, Ceiling Fan(s), Smoke Alarm(s), Solid Wood Cabinets, Stone Counters, Thermal Windows, Tray Ceiling, Walk In Closet, Washer/Dryer Hookup
Interior Layout	Eating Space In Kitchen, Formal Dining Room Separate, Formal Living Room Separate, Split Bedroom, Volume Ceilings
Kitchen Features	Closet Pantry, Desk Built In
Location	Cul-De-Sac, Flood Zone, In City Limits, Level, Street Paved, Wooded View
Master Bath Features	Dual Sinks, Tub with Separate Shower Stall
MLS Area - Zip	North Port/Venice
New Construction	No
Pool	Private
Pool Type	Auto Cleaner, Gunite/Concrete, In Ground
Property Description	Two Story
Property Style	Single Family Home
Property Type	Residential
Roof	Shingle
Special Sale Provision	Short Sale
Square Foot Source	Public Records
Status	Active
Utilities Data	Cable Available, Cable Connected, Septic
Water Access	Canal - Freshwater
Water Access Y/N	Yes
Water Extras Y/N	No
Water Frontage	Canal - Freshwater
Water Frontage Y/N	Yes
Water View	Canal
Water View Y/N	Yes

Location

Listing information deemed reliable but not guaranteed. Read full disclaimer.

Listed with COLDWELL BANKER RESIDENTIAL RE

(view all details for MLS #M5825218)

359k-14727 2nd Ave NE Cir- Country Meadows

Joe — Mon, 23 Jan 2012 06:44:21 +0000

14727 2nd Ave NE Circle

Bradenton, FL 34212

359,000

3 bedrooms 3 baths, den, pool and spa, 3 car garage

Step through your double etched glass doors into your lovely entry! This home shows like a model and has many upgrades to boast about – kitchen fit for a chef and with lots of storage in paneled wood cabinets – crown moulding as well! This home has been professional decorated and is a pleasure to show to your clients who are looking for a large master bedroom with two walk in closets and a luxurious bath, a great room floor plan that overlooks the sparkling oversized heated pool and spa in a very private setting. Custom window coverings, upgraded fan and light fixtures. Paver drive and walkway. Extra large lot with mature landscaping. Furnishings negotiable. No CDD fee.

14727 2nd Avenue Ne Cir, Bradenton, FL 34212 (MLS # M5826309)

(all data current as of 2/4/2012)

Price	$359,000
Beds	3
Baths	3 full
Home size	2,543 sq ft
Lot Size	25,109 sq ft
Days on Market	35

Step through your double etched glass doors into your lovely entry! This home shows like a model and has many upgrades to boast about - kitchen fit for a chef and with lots of storage in paneled wood cabinets - crown moulding as well! This home has been professional decorated and is a pleasure to show to your clients who are looking for a large master bedroom with two walk in closets and a luxurious bath, a great room floor plan that overlooks the sparkling oversized heated pool and spa in a very private setting. Custom window coverings, upgraded fan and light fixtures. Paver drive and walkway. Extra large lot with mature landscaping. Furnishings negotiable. No CDD fee.

Property Type(s): Residential / All, Residential / Single Family

Last Updated	1/28/2012	Tract	Country Meadows Ph I
Year Built	2007	Community	n/a
Garage Spaces	3.0	County	Manatee
Total Parking	3	Walk Score ®	3

Schools

Elementary School	Gene Witt Elementary
Middle School	Carlos E. Haile Middle
High School	Lakewood Ranch High

Additional Details

Taxes	4382	Dining Room (Approx.)	12x12
Kitchen (Approx.)	13x12	Master Bedroom (Approx.)	18x14
Total Acreage	1/2 Acre to 1 Acre	HOA Fee	525.0

Features

Additional Parcel Y/N	No
Additional Rooms	Den/Library/Office, Foyer, Inside Utility
Air Conditioning	Central
Appliances Included	Dishwasher, Disposal, Dryer, Hot Water Electric, Microwave, Range, Refrigerator, Washer
Architectural Style	Ranch
Area (Range)	Bradenton
CDD Y/N	No
Community Features	Deed Restrictions, Playground
DPR Y/N	Yes
Exterior Construction	Block, Stucco
Exterior Features	Hot Tub/Spa, Irrigation System, Mature Landscaping, Outdoor Lights
Financing Available	Cash, Conventional, Fha, USDA, Va
Fireplace Y/N	No
Floor Covering	Carpet, Ceramic Tile
Foundation	Slab
Garage Features	Attached, Door Opener, Drive Space
Garage/Carport	3 Car Garage
Heating & Fuel	Central
HOA Payment Schedule	Annual Payment
HOA/Comm Assn	Required
Homestead Y/N	No
Interior Features	Cathedral/Vaulted Ceiling, Ceiling Fan(s), Inside Utility, Smoke Alarm(s), Solid Surface Counters, Solid Wood Cabinets, Walk In Closet, Window Treatment
Interior Layout	Breakfast Room Separate, Formal Dining Room Separate, Great Room, Mstr Bedroom Downstairs, Split Bedroom, Volume Ceilings
Kitchen Features	Breakfast Bar, Walk In Pantry
Location	In County
Maintenance Includes	Escrow Reserves Fund, Recreational Facilities
Master Bath Features	Dual Sinks, Tub with Separate Shower Stall
MLS Area - Zip	Bradenton
New Construction	No
Pets Y/N	Yes
Pool	Private
Pool Type	Child Safety Fence, Gunite/Concrete, Heated Pool, Heated Spa, In Ground, Screen Enclosure, Spa
Property Description	One Story
Property Style	Single Family Home
Property Type	Residential
Roof	Tile
Special Sale Provision	None of the Above
Square Foot Source	Public Records
Status	Active
Utilities Data	Public Utilities
Water Access Y/N	No
Water Extras Y/N	No
Water Frontage Y/N	No
Water View Y/N	No

Location

Listing information deemed reliable but not guaranteed. Read full disclaimer.

Listed with COLDWELL BANKER RESIDENTIAL RE

(view all details for MLS #M5826309)

119k- 450 Bahia Beach Blvd

Joe — Mon, 23 Jan 2012 05:46:18 +0000

Short Sale. Florida Resort Style Living in a waterfront community. Luxurious amenities include tennis courts, private beach, private marina, health and fitness facility and spa with a top rated restaurant.Spectacular views across the bay to downtown St.Pete.

Doors open to over sized balconies and windows look over the water. Very convenient to Brandon, Tampa and St. Pete for world-class shopping and dining. Immaculate and ready to move into, this short sale is not going to last long. If you want VIEWS VIEWS VIEWS this is it!! Come see this beautiful BAHIA BEACH TOWNHOME! Listing price may not be sufficient to pay the total of all liens and costs of sale of Property at full listing price may require approval of seller’s lender(s).

450 Bahia Beach Blvd # 450, Ruskin, FL 33570 (MLS # M5819030)

(all data current as of 2/4/2012)

View Virtual Tour

Price	$119,000
Beds	2
Baths	1 full, 1 half
Home size	1,184 sq ft
Lot Size	1,537 sq ft
Days on Market	383

Short Sale. Back on the market. Lender approved price. Florida Resort Style Living in a waterfront community. Luxurious amenities include tennis courts, private beach, private marina, health and fitness facility and spa with a top rated restaurant.Spectacular views across the bay to downtown St.Pete. Doors open to over sized balconies and windows look over the water. Very convenient to Brandon, Tampa and St. Pete for world-class shopping and dining. Immaculate and ready to move into, this short sale is not going to last long. If you want VIEWS VIEWS VIEWS this is it!! Come see this beautiful BAHIA BEACH TOWNHOME! Listing price may not be sufficient to pay the total of all liens and costs of sale of Property at full listing price may require approval of seller's lender(s).

Property Type(s): Residential / All, Residential / Townhouse

Last Updated	1/28/2012	Tract	Bahia Beach Townhomes Ph 2
Year Built	2007	Community	Little Harbor
Garage Spaces	1.0	County	Hillsborough
Total Parking	1	Walk Score ®	3

Schools

Elementary School	Ruskin-HB
Middle School	Eisenhower-HB
High School	East Bay-HB

Additional Details

Taxes	4720	Kitchen (Approx.)	12x09
Master Bedroom (Approx.)	12x11	Total Acreage	Zero Lot Line
HOA Fee	287.0	Mo.Maint.$(addition to HOA)	95

Features

Additional Parcel Y/N	No
Air Conditioning	Central
Appliances Included	Dishwasher, Disposal, Dryer, Hot Water Electric, Range, Refrigerator, Washer
Area (Range)	Ruskin/Apollo Beach
CDD Y/N	Yes
DPR Y/N	Yes
Exterior Construction	Block, Stucco
Exterior Features	Balcony/Sun Deck, Outdoor Lights, Patio/Porch Screened, Sliding Doors
Fireplace Y/N	No
Floor Covering	Carpet, Ceramic Tile
Foundation	Slab
Garage Features	Attached
Garage/Carport	1 Car Garage
Heating & Fuel	Central, Fuel - Electric
HOA Payment Schedule	Monthly Payment
HOA/Comm Assn	Required
Homestead Y/N	No
Interior Features	Blinds/Shades, Ceiling Fan(s), Smoke Alarm(s), Stone Counters, Unfurnished, Walk In Closet, Washer/Dryer Hookup, Window Treatment
Location	In County, Sidewalk, Street Paved
Maintenance Includes	Building Exterior, Flood Insurance, Ground Maintenance, Insurance Building, Recreational Facilities, Roof, Security, Trash Removal
MLS Area - Zip	Ruskin/Apollo Beach
New Construction	No
Pets Y/N	No
Pool	None
Property Description	Townhouse 2-3 Floors
Property Style	Townhouse
Property Type	Residential
Roof	Metal
Special Sale Provision	Short Sale
Square Foot Source	Public Records
Status	Active
Utilities Data	BB/HS Internet Avail, Cable Connected, County Water, Electric, Fire Hydrant, Public Utilities, Street Lights, Underground
Water Access	Bay/Harbor, Canal - Saltwater, Gulf/Ocean
Water Access Y/N	Yes
Water Extras Y/N	No
Water Frontage Y/N	No
Water View	Bay/Harbor - Full
Water View Y/N	Yes

Location

Listing information deemed reliable but not guaranteed. Read full disclaimer.

Listed with COLDWELL BANKER RESIDENTIAL RE

(view all details for MLS #M5819030)

219k- 8102 Grand Estuary 101

Joe — Mon, 23 Jan 2012 05:05:30 +0000

8102 Grand Estuary Trail Unit 101

219,000

3 bedroom 2 bath 2 car garage 1800 sqft

The ulitimate home for sale – a first floor golf course and water view in River Strand. The view from the screened lanai will impress you with a big water view, and expansive golf course and nature views. Located a short distance to the Manatee River, there is usually a pleasant breeze, and a few ducks splashing in the water. You have a view of the golf course too, but they are across the lake, so there is no real issue with golfers looking for golf balls in your back yard.

This 3 bedroom 2 bath ground floor unit has an oepn floorplan, and nice upgrades like wood cabinets, granite counter tops, and a very large master bedroom. Two walk in closets as well. The master bath room has dual vanities, and a large walk in shower, and seperate tub as well.

Located in Bradenton, FL. River Stand is a great place to call home whether you are here for a month, or year round. 27 holes of golf, and a great tennis facility all included with your purchase makes this a great neighborhood if you are looking for an active community. The view this unit has with it’s rear souther exposure big water views, and golf in the distance is by far one of the best you will see in this price range, or above.

http://www.youtube.com/embed/GTmU22wPj7Q?rel=0” frameborder=”0″ allowfullscreen>

M5826684

8102 Grand Estuary Trl # 101, Bradenton, FL 34212 (MLS # M5826684)

(all data current as of 2/4/2012)

Price	$219,000
Beds	3
Baths	2 full
Home size	1,786 sq ft
Lot Size	n/a
Days on Market	17

The ulitimate first floor golf course and water view in River Strand. The view from the screened lanai will impress you with a big water view, and expansive golf course and nature views. This 3 bedroom 2 bath ground floor unit has an oepn floorplan, and nice upgrades like wood cabinets, granite counter tops, and a very large master bedroom. Two walk in closets as well. The master bath room has dual vanities, and a large walk in shower, and seperate tub as well. River stand is a great place to call home whether you are here for a month, or year round. 27 holes of golf, and a great tennis facility all included with your purchase makes this a great neighborhood if you are looking for an active community. The view this unit has with it's rear souther exposure big water views, and golf in the distance is by far one of the best you will see in this price range, or above.

Property Type(s): Residential / All

Last Updated	1/25/2012	Tract	Coach Homes I At River Strand
Year Built	2007	Community	n/a
Garage Spaces	n/a	County	Manatee
Total Parking	1	Walk Score ®	3

Schools

Elementary School	Freedom Elementary
Middle School	Carlos E. Haile Middle
High School	Braden River High

Additional Details

Taxes	4467	Dining Room (Approx.)	12x10
Kitchen (Approx.)	12x10	Master Bedroom (Approx.)	14x12
Total Acreage	Zero Lot Line	HOA Fee	609.25
Mo.Maint.$(addition to HOA)	703

Features

Additional Parcel Y/N	No
Air Conditioning	Central
Appliances Included	Dishwasher, Disposal, Hot Water Electric, Range, Refrigerator
Architectural Style	Spanish/Mediterranean, Villa
Area (Range)	Bradenton
CDD Y/N	Yes
Community Features	Buyer Approval Required, Community Hot Tub/Spa, Deed Restrictions, Fishing Pier, Fitness, Gated Community, Golf Community, Maintenance Free, Park, Playground, Recreation Building, Security
DPR Y/N	Yes
Exterior Construction	Block, Stucco
Exterior Features	Oak Trees, Outdoor Lights, Patio/Porch/Deck Covered, Patio/Porch/Deck Screened, Sliding Doors
Financing Available	Cash, Conventional, Fha
Fireplace Y/N	No
Floor Covering	Carpet, Ceramic Tile
Foundation	Slab
Garage Features	None
Garage/Carport	1 Car Carport
Heating & Fuel	Central, Fuel - Electric
HOA Payment Schedule	Quarterly Payment
HOA/Comm Assn	Required
Homestead Y/N	No
Interior Features	Ceiling Fan(s), Smoke Alarm(s), Solid Surface Counters, Solid Wood Cabinets, Walk In Closet, Washer/Dryer Hookup
Interior Layout	Breakfast Room Separate, Formal Living Room Separate, Mstr Bedroom Downstairs
Kitchen Features	Breakfast Bar, Closet Pantry, Pantry
Location	End Unit
Maintenance Includes	Building Exterior, Escrow Reserves Fund, Ground Maintenance, Maintenance/Repairs, Manager, Recreational Facilities, Roof, Security, Tennis Courts, Trash Removal
Master Bath Features	Dual Sinks, Garden Bath, Tub with Separate Shower Stall
Minimum Lease	1 Month
MLS Area - Zip	Bradenton
New Construction	No
Pets Y/N	Yes
Pool	Community
Pool Type	Heated Pool, Heated Spa, In Ground
Property Description	1st Floor Multi-Story
Property Style	Villa
Property Type	Residential
Roof	Other, Tile
Special Sale Provision	None of the Above
Special Tax Dist.Y/N (Tampa	No
Square Foot Source	Public Records
Status	Active
Utilities Data	Cable Available, Public Utilities
Water Access Y/N	No
Water Extras Y/N	No
Water Frontage	Lake
Water Frontage Y/N	Yes
Water View	Lagoon, Lake
Water View Y/N	Yes

Location

Listing information deemed reliable but not guaranteed. Read full disclaimer.

Listed with COLDWELL BANKER RESIDENTIAL RE

(view all details for MLS #M5826684)

180k- 7931 Limestone Ln Sarasota

Joe — Sat, 21 Jan 2012 04:51:42 +0000

7931 Limestone Lane

Sarasota, FL 34233

M5826501

If you are tired of looking at fixer upper, and short sales than this immaculate 3 bedroom townhome in Sarasota is worth a look. Located in the Sonehaven gated community off of Clark Road. This is a great place to call home, with a secure, gated community, and an ideal location, close to everything, minutes to I-75 and about a 10 minute ride to Siesta Key, and it’s world famous beaches.

The townhome has numerous upgrades over standard including crown moulding, upgraded tile floors, and granite counter tops. Tasteful, and modern, this townhome will be sure to make even the pickest buyer happy.

7931 Limestone Lane, Sarasota, FL 34233 (MLS # M5826501)

(all data current as of 2/4/2012)

Price	$180,000
Beds	3
Baths	2 full, 1 half
Home size	1,776 sq ft
Lot Size	n/a
Days on Market	23

Picture perfect 3 bedroom 2 1/2 bath town home in the gated Stonehaven neighborhood with all the upgrades that you want. In perfect condition really better than new. With designer touches you will be impressed. Upgrades include granite counter tops, wood cabinets, crown molding, and neutral tile throughout the first floor. Upstairs you have a spacious master bedroom with a large walk in closet. Upstairs laundry, and two additional bedrooms. Stonehaven is a great low fee neighborhood. FHA financing is possible, and this is not a short sale or foreclosure. If you are tired of looking at fixer uppers, then take a look, if you're picky you're going to be happy here.

Property Type(s): Residential / All, Residential / Townhouse

Last Updated	1/30/2012	Tract	Stonehaven
Year Built	2008	Community	n/a
Garage Spaces	1.0	County	Sarasota
Total Parking	1	Walk Score ®	63

Schools

Elementary School	Ashton Elementary
Middle School	Sarasota Middle
High School	Riverview High

Additional Details

Taxes	1742	Dining Room (Approx.)	12X14
Kitchen (Approx.)	12X10	Master Bedroom (Approx.)	14X16
Total Acreage	Zero Lot Line	HOA Fee	810.0

Features

Additional Parcel Y/N	No
Air Conditioning	Central
Appliances Included	Dishwasher, Disposal, Dryer, Hot Water Electric, Microwave, Range, Refrigerator, Washer
Architectural Style	Townhouse
Area (Range)	Sarasota
CDD Y/N	No
Community Features	Deed Restrictions, Gated Community, Maintenance Free, Playground
DPR Y/N	Yes
Exterior Construction	Block
Exterior Features	Screen/Covered Enclosure, Sliding Doors
Financing Available	Cash, Conventional, Fha, Va
Fireplace Y/N	No
Floor Covering	Carpet, Ceramic Tile
Foundation	Slab
Garage Features	Attached, Door Opener
Garage/Carport	1 Car Garage
Heating & Fuel	Central
HOA Payment Schedule	Quarterly Payment
HOA/Comm Assn	Required
Homestead Y/N	Yes
Interior Features	Blinds/Shades, Ceiling Fan(s), Crown Moulding, Inside Utility, Smoke Alarm(s), Solid Surface Counters, Solid Wood Cabinets, Stone Counters, Walk In Closet, Washer/Dryer Hookup, Window Treatment
Interior Layout	Great Room
Kitchen Features	Breakfast Bar, Island, Pantry
Location	Close to Bus Line, In County, Street Paved
Maintenance Includes	Building Exterior, Cable, Community Pool, Escrow Reserves Fund, Ground Maintenance, Insurance Building, Recreational Facilities, Roof, Security
Master Bath Features	Dual Sinks, Shower No Tub
Minimum Lease	6 Months
MLS Area - Zip	Sarasota
New Construction	No
Pets Y/N	Yes
Pool	Community
Pool Type	Gunite/Concrete, In Ground
Property Description	Mid-rise, Townhouse 2-3 Floors, Two Story
Property Style	Townhouse
Property Type	Residential
Roof	Tile
Special Sale Provision	None of the Above
Square Foot Source	Builder
Status	Active
Utilities Data	Cable Connected, County Water, Public Sewer, Public Utilities, Street Lights, Underground
Water Access Y/N	No
Water Extras Y/N	No
Water Frontage Y/N	No
Water View Y/N	No

Location

Listing information deemed reliable but not guaranteed. Read full disclaimer.

Listed with COLDWELL BANKER RESIDENTIAL RE

(view all details for MLS #M5826501)

299k- 7310 Wexford Ct LWR CC

Joe — Sat, 21 Jan 2012 04:42:59 +0000

7310 Wexford Court

Lakewood Ranch, FL 34202

Totally updated and with a sparkling new salt water pool, this is the lowest price pool home in Lakewood Ranch Country Club. Built by Neal Homes, this is a maintenance free home. 2 spacious bedrooms and a den, Brand new Laminate, and tile floors., completely repainted, new stainless steel appliances all make this a move in ready, home for you.

M5825877

7310 Wexford Ct, Lakewood Ranch, FL 34202 (MLS # M5825877)

(all data current as of 2/4/2012)

Price	$299,900
Beds	2
Baths	2 full
Home size	1,748 sq ft
Lot Size	6,250 sq ft
Days on Market	58

Upgrades galore in this fabulously maintained home. Two bedrooms and a den! New applicances, upgraded wood flooring, upgraded ceiling fans. You'll have to see to believe! Close to all amenities of Lakewood Ranch - great shopping, dining and recreation. The architectural detailing in this home makes it feel quite luxurious as if this were a much more expensive home! New heated pool in 2011! Paver tile driveway and lanai! New appliances, freshly painted, new laminate wood floors throughout and tile baths! Gorgeous and shouldn't be missed! Privacy with thick set of trees in the rear of the home.

Property Type(s): Residential / All, Residential / Single Family

Last Updated	1/28/2012	Tract	Lakewood Ranch
Year Built	2006	Community	n/a
Garage Spaces	2.0	County	Manatee
Total Parking	2	Walk Score ®	11

Schools

Elementary School	Robert E Willis Elementary
Middle School	Nolan Middle
High School	Lakewood Ranch High

Additional Details

Taxes	6145	Dining Room (Approx.)	11x11
Kitchen (Approx.)	13x11	Master Bedroom (Approx.)	16x13
Lot Dimensions	46.0X142.0	Total Acreage	Up to 10,889 Sq. Ft.
HOA Fee	799.0

Features

Additional Parcel Y/N	No
Air Conditioning	Central
Appliances Included	Dishwasher, Disposal, Dryer, Hot Water Electric, Range, Washer
Architectural Style	Ranch, Spanish/Mediterranean
Area (Range)	Bradenton/Lakewood Ranch/Lakewood Rch
CDD Y/N	No
Community Features	Maintenance Free
DPR Y/N	Yes
Exterior Construction	Block, Stucco
Exterior Features	Mature Landscaping, Patio/Porch/Deck Covered, Sliding Doors
Financing Available	Cash, Conventional, Fha
Fireplace Y/N	No
Floor Covering	Carpet, Ceramic Tile
Foundation	Slab
Garage Features	Attached, Drive Space
Garage/Carport	2 Car Garage
Heating & Fuel	Central
HOA Payment Schedule	Quarterly Payment
HOA/Comm Assn	Required
Homestead Y/N	Yes
Interior Features	Blinds/Shades, Smoke Alarm(s), Solid Surface Counters, Walk In Closet, Washer/Dryer Hookup
Interior Layout	Eating Space In Kitchen, Formal Dining Room Separate, Great Room, Mstr Bedroom Downstairs, Open Plan, Split Bedroom, Volume Ceilings
Kitchen Features	Breakfast Bar, Closet Pantry, Pantry
Location	Cul-De-Sac
Maintenance Includes	Community Pool, Ground Maintenance, Recreational Facilities, Security
Master Bath Features	Dual Sinks, Shower No Tub
MLS Area - Zip	Bradenton/Lakewood Ranch/Lakewood Rch
New Construction	No
Pets Y/N	Yes
Pool	Private
Pool Type	In Ground, Screen Enclosure
Property Style	Single Family Home
Property Type	Residential
Roof	Tile
Special Sale Provision	None of the Above
Square Foot Source	Public Records
Status	Active
Utilities Data	Cable Available, Public Utilities, Street Lights, Underground
Water Access Y/N	No
Water Extras Y/N	No
Water Frontage Y/N	No
Water View Y/N	No

Location

Listing information deemed reliable but not guaranteed. Read full disclaimer.

Listed with COLDWELL BANKER RESIDENTIAL RE

(view all details for MLS #M5825877)

439k-9727 Discovery Terr Waterlefe

Joe — Sat, 21 Jan 2012 04:40:36 +0000

9727 Discovery Terrace

Former Model home in Waterlefe with a premium golf course view. 3 bedrooms 3 baths, pool/spa, open floor plan in immaculate condition. Come and take a look at this great home today.

9727 Discovery Ter, Bradenton, FL 34212 (MLS # M5825445)

(all data current as of 2/4/2012)

Price	$419,900
Beds	3
Baths	2 full, 1 half
Home size	2,400 sq ft
Lot Size	10,833 sq ft
Days on Market	80

The first thing you will notice is the great curb appeal, and premium golf course view. This was a model, and has an epic view if you are into golf. The Waterlefe golf and country club community offers both boating in the Gulf of Mexico and golfing on one of the top golf courses in South West Florida! This home was a former model and has been well maintained. Upgrades and designer touches can be seen throughout. Extra large screened lanai overlooking sparkling pool and heated spa overlooking the first hole of the golf course. This home is exempt from the bond repayment portion of the CDD which saves almost 700 annually. Features include: whole house sound system, granite counters, high end cabinets, premium ceramic tile floors, hardwoods, newer carpeting in bedrooms, designer window treatments, and much more. Ready for immediate closing, and not a short sale. Come take a look today.

Property Type(s): Residential / All, Residential / Single Family

Last Updated	1/29/2012	Tract	Waterlefe Golf & River Club Unit 1
Year Built	2000	Community	Waterlefe
Garage Spaces	2.0	County	Manatee
Total Parking	2	Walk Score ®	6

Price History

Prior to Jan 26, '12	$439,000
Jan 26, '12 - Today	$419,900

Schools

Elementary School	Freedom Elementary
Middle School	Carlos E. Haile Middle
High School	Braden River High

Additional Details

Taxes	5807	Dining Room (Approx.)	14x12
Family Room (Approx.)	12x12	Kitchen (Approx.)	14x12
Master Bedroom (Approx.)	16x14	Total Acreage	1/4 Acre to 21779 Sq. Ft.
HOA Fee	454.0

Features

Additional Parcel Y/N	No
Additional Rooms	Breezeway, Den/Library/Office, Inside Utility
Air Conditioning	Central
Appliances Included	Dishwasher, Disposal, Hot Water Electric, Microwave Hood, Range
Architectural Style	Ranch
Area (Range)	Bradenton
CDD Y/N	Yes
Community Features	Deed Restrictions, Dock, Fishing Pier, Fitness, Gated Community, Golf Community, Playground, PUD, Security, Tennis Courts, Water Access, Waterfront Complex
Exterior Construction	Block, Stucco
Exterior Features	Sliding Doors, Trees/Landscaped
Financing Available	Cash, Conventional, Fha, Va
Fireplace Y/N	No
Floor Covering	Carpet, Ceramic Tile
Foundation	Slab
Garage Features	Attached, Drive Space
Garage/Carport	2 Car Garage
Heating & Fuel	Central, Fuel - Gas Natural
HOA Payment Schedule	Quarterly Payment
HOA/Comm Assn	Required
Homestead Y/N	No
Interior Features	Ceiling Fan(s), Central Vacuum, Inside Utility, Smoke Alarm(s), Solid Surface Counters, Solid Wood Cabinets, Walk In Closet, Washer/Dryer Hookup
Interior Layout	Eating Space In Kitchen, Formal Dining Room Separate, Great Room, Mstr Bedroom Downstairs, Open Plan, Split Bedroom
Kitchen Features	Breakfast Bar, Island, Pantry
Location	Golf Course Frontage, Golf Course View, In County, Sidewalk
Maintenance Includes	Cable, Community Pool, Escrow Reserves Fund, Manager, Other, Recreational Facilities, Security, Tennis Courts
Master Bath Features	Dual Sinks, Tub with Separate Shower Stall
Minimum Lease	1 Month
MLS Area - Zip	Bradenton
New Construction	No
Pets Y/N	Yes
Planned Unit Development	Yes
Pool	Community, Private
Pool Type	Gunite/Concrete, Heated Pool, Heated Spa, In Ground, Screen Enclosure
Property Description	One Story
Property Style	Single Family Home
Property Type	Residential
Roof	Tile
Special Sale Provision	None of the Above
Special Tax Dist.Y/N (Tampa	No
Square Foot Source	Public Records
Status	Active
Utilities Data	Cable Available, Electric, Gas, Public Municipal Water, Public Sewer, Sprinkler Meter, Street Lights, Underground
Water Access Y/N	No
Water Extras Y/N	No
Water Frontage Y/N	No
Water View	Pond
Water View Y/N	Yes

Location

Listing information deemed reliable but not guaranteed. Read full disclaimer.

Listed with COLDWELL BANKER RESIDENTIAL RE

(view all details for MLS #M5825445)

449k- 406 169th Rye Wilderness

Joe — Sat, 21 Jan 2012 04:18:50 +0000

406 169th NE Court

Truly one of a kind, and immaculate in every way. This is a customer 3 bedroom 3 bath home Great Room floorplan that is roomy, and an excellent true Florida home. Pocketing sliders from the Great room, and Bonus room open the the expanded lanai, and pool area. This home is a blending of indoor outdoor living better than any other home in this category.

The finishes, and upgrades are more typical in homes that are twice as expensive. If you wanted a perfect home, but don’t want to be in a Country Club area, this is a must see.

M5826080

We're sorry, but we couldn't find MLS # M5826080 in our database. This property may be a new listing or possibly taken off the market. Please check back again.

My first short sale in 2005 and I am selling it again, as a short sale

Joe — Sat, 21 Jan 2012 04:08:02 +0000

We all remember our first.. Short sale. I had recently sold a home here in Bradenton, FL, and it was a home that I had sold in the past. 5 years ago I helped the owner get it sold that owed more than what was owed. I didn’t know the term “short sale”, all I knew was that I had a seller that needed to go, and we needed to find a solution.
Now I have that same home under contract, representing a buyer, as a short sale. ‘
Talk about full circle! It’s hard to believe that I have been doing short sales for almost 5 years.

The home had originally had over 750,000 in mortgages. I listed the home and sold it for over full price, 550,000 In Octover 2006.

This home closed in late 2011 for less than half of what it sold for 5 years ago! It’s amazing how big the market correction has really been.