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Cindy Kaye

The Home buying process in the Keys

10-13-09
Cindy Kaye

The buying process in the Keys

Information unique to buying a home in the Florida Keys”

As you may be aware, the environment that makes the Keys so attractive to thousands of people is a fragile environment the requires considerable attention to protect its health and beauty. This fact has created a requirement for close management of all activities that have or might have negative impact on the environment now or in the foreseeable future. The result is a number of "unique to the Keys" regulations and procedures concerning property ownership. They are provided for information purposes of broaden your understanding of what
is invalided when purchasing property in the Keys.

Flood Insurance:
The buyer must determine the insurability of the property against flood damage by seeking the advice of a qualified insurance agent. Structures built before January 1, 1975 (pre-firm) are subject to rules governing substantial and non-substantial improvements to pre-firm structures which may
limit the reconstruction, rehabilitation or addition
to the pre-firm structure. Structures built after January 1, 1975 that has enclosures below the Base Flood Elevation (BFE) are typically not habitable. The existence of habitable space below the BFE may require demolition or an increase in insurance premium. Buyers should contact the Monroe County Federal Emergency Management Coordinator or the City of Key West, City of Key Colony Beach, City of Layton, City of Islamorada and City of Marathon to ascertain how these rules may impact on the
property of interest.

For more information please contact me.

key west agent
Cindy Kaye REALTOR®
1201 White Street #101
Key West Fl, 33040
Phone: 305-731-5000
Fax: 305 745-8575
E-mail: cindy@yourkeyshome.com
Web Page:http://www.yourkeyshome.com


Key West residential income property-investment opportunity

10-13-09
Cindy Kaye

Location, Location, Location! This newly renovated and beautifully landscaped three-unit single story building is on a 4,000sf lot & is located in heart of Key West's historic Old Town district. It's just 2 1/2 blocks from the world famous Duval Street, Yet is far enough away to be peaceful and serene. This property is also in the area of Key West that has the highest elevation, so there was no flooding by hurricane Wilma! All three (One 2/1 and two 1/1) units have already received condo conversion approval and can be seperated upon sale. They are currently occupied by month-to-month rental tenants. These units are available individually OR together as a 3 unit compound. Contact listing agent for the individual prices of these units!

$999,000

key west agent
Cindy Kaye REALTOR®
1201 White Street #101
Key West Fl, 33040
Phone: 305-731-5000
Fax: 305 745-8575
E-mail: cindy@yourkeyshome.com
Web Page:http://www.yourkeyshome.com

Key West and the Florida Keys Cost of living

08-12-09
Cindy Kaye

Key West and the Florida Keys Cost of living

The cost of living index is based on the composite price of groceries, housing, utilities, transportation, health care, clothing and entertainment.
Cost of living indexes will generally be higher in areas that offer access to beaches, culture, arts and recreation. In addition areas, that offer a wider variety of services such as health and education will run higher due to higher wages, and increased quality of living.

Cost of living indexing explanation
A figure of 100 points is used as an average both for the USA and Florida. For example:
Boise Idaho is ranked at a 94.0
Boston Mass is rated at 127.60
San Francisco at 187.23
• Statewide, Florida cities come in from a low of 90 and up.
• One way to compare Florida areas to salary requirements
For example-If you were relocating from Portland Oregon (whose rate is 110.0) to Orlando, and you currently make $50,000 per year, the formula is as follows
• Take the destination index, in this case Orlando-94.2 and divide by Portland’s index-110, then multiply by a salary of $50,000. This will give you a figure of $42,818, which you would be required to make in Orlando and have the same quality of life.

*The Keys and Monroe county top out the state at an average Cost of Living at 160 plus. (this is due to the home prices in the Keys). We only have so much land and the area is heavily regulated as to building permits....A tropical paradise is in the same venue as any resort destination area, be it Martha's Vineyard or Sun Valley.

However compared to other areas nationally and given the amenities of the Keys, it is a great place to live, work and play.
(Population Weighted-State Average=100

2008-09 stats Source C2ER formerly accra-col index and http://www.bestplaces.net/

Boca Raton-154.74
Cape Coral-Ft Myers-99.6
Ft Lauderdale-137.0
Destin-145.61
Jacksonville metro-97.1
Big Pine Key fl-132.46
Key Largo-146.9
Key West-167.97
Marathon fl-162.06
Miami metro-137.41
Melbourne-92.72
Naples Fl-250.59
Orlando metro-101
Palm Bay-84.56
Palm Coast-Flagler-125.01
Panama City-86.35
Pensacola metro-82.0
Sarasota-107.2
Tampa 97.3
St Pete-Clearwater-95.6
Vero-Beach Indian River-122.87
West Palm Beach metro-112.05
(Population Weighted-State Average=100
See national comparisons
Cost of living (100 = nationwide average)

* New York, NY -164.50
* Long Beach, CA -135.71
* Palo Alto, CA -234.42
* Boston, MA -127.60
* Malibu, CA -492.80
* San Francisco, -187.23
* Greenwich, CT 215
* Chicago, IL -126.45
* Dallas Tx -92,94
* Atlanta Ga -112.21

For more information about cost of living go to either
Sperlings best Places
http://www.bestplaces.net/
or Accra's site at http://www.coli.org/

For Utility charges
Water
• The Florida Keys Aqueduct Authority provides water for the entire Keys:
• Tavernier.....305 852-8068
• Marathon.....305 743-5409
• Lower Keys.....305 296-2454

For Electric
• The Florida Keys Electric Cooperative
• provides power for the upper Keys:
• Tavernier.....305 852-2431
• Marathon, 3421 O/S Hwy.....305 743-5344
• Key West City Electric
• provides power for the Lower Keys
• 1001 James St, Key West.....305 294-5272

Gas.
Propane is available from local dealers

Telephone Companies:
• Bell South
• Residential Services.....305 780-2500
• Business Services.....305 780-2800

key west agent
Cindy Kaye REALTOR®
1201 White Street #101
Key West Fl, 33040
Phone: 305-731-5000
Fax: 305 745-8575
E-mail: cindy@yourkeyshome.com
Web Page: http://www.yourkeyshome.com

About the Florida Keys and Key West recreation

08-12-09
Cindy Kaye

About the Florida Keys and Key West recreation

Miles of oceanfront and Gulf front access await you in the Keys.
Recreational opportunities in the outdoors are the most important assets of the Keys.
The fishing and boating here is incredible-both in the Ocean and the back-country (the Gulf). There is something
to catch year round and our weather lets you do it. If you like the water, this is the place
Recreational Opportunities:
• 47 Marinas
• 13 Parks,
• 3 Golf Courses
• 10 Campgrounds and recreational vehicle parks
• 13 public Tennis Courts
• 18 Boat Ramps

• To see a complete list of parks and recreational opportunities see
• the sites below

Things to do outdoors:
• Fishing-saltwater, freshwater-Ocean, lakes and the Everglades
• Boating-Ocean, Gulf or Bay
• Diving
• Hiking
• Tennis
• Bike riding
• Birding
• Photography and Wildlife watching
• Kayaking—canoes-there are good rental locations and lots of places to launch.
• Air boating into the Everglades
• Windsurfing the flats

Other places to visit.
• Audubon House- original Audubon engravings (not Audubon's residence)
• Conch Tour Train-
• Curry Mansion Inn - 305 294-5349 511 Caroline Street, Key West FL 33040
• Ernest Hemingway Home & Museum - 305 294-1136, 907 Whitehead St., Key West FL
• Flagler's Station Historeum®-901 Caroline St., 1-305-295-3562.
• Haitian Art Co. - 305 296-8932, 600 Francis St., Key West FL 33040
• Heritage House Museum - 305 296-3573, 410 Caroline Street, Key West FL 33040
• Historic Seaport at Key West Bight.
• Key West Aquarium - 1 Whitehead St., Mallory Market
• Key West East Martello Museum - 305 296-3913, 3501 S. Roosevelt Blvd.
• Key West Lighthouse Museum - 305 294-0012, 938 Whitehead Street
• Key West Museum of Art & History - 305 295-6616
• Custom House - 281 Front Street, Key West FL 33040
• Key West Shipwreck Historeum - 305 292-8990, 1 Whitehead Street
• Little White House Museum - 305 294-9911
• Wrecker's Museum - 322 Duval St., 294-9502. Built in 1829. This is Key West's oldest house.

Pro Sports
• A 2-3 hour drive to Miami:
• Florida Marlins
• 2269 Dan Marino Blvd, Pro Player Stadium, Miami Gardens, FL 33056 · 305-626-7400
• Miami Dolphins
• 2269 Dan Marino Blvd, Pro Player Stadium, Miami Gardens, FL 33056 · 305-620-2578
• Miami Heat
• 601 Biscayne Blvd, American Airlines Arena, Miami, FL 33132-1801 · 786-777-432

key west agent
Cindy Kaye REALTOR®
1201 White Street #101
Key West Fl, 33040
Phone: 305-731-5000
Fax: 305 745-8575
E-mail: cindy@yourkeyshome.com
Web Page: http://www.yourkeyshome.com

About Key West

06-11-09
Cindy Kaye

About Key West
Key West is one of the most popular destinations in the World. Because of this, Key West Real Estate and Florida Keys Real Estate is some of the most desireable property there is.
Key West is both a place and a state of mind. It lies about as far away as you can go in this USA, almost part of the tropics, some four hours and 150 miles south and west of Miami. See Keys Newsletter
You cross a lot of bridges and spectacular blue and green water to get there, and when you get there you’re only 90 miles from Cuba. Cruise ships consider a stop at Key West part of their Caribbean itineraries!
It’s not a big place, and it is a place where real people live. It has a year-round population of just over 26,000 and a median resident age of 39 years. Key West also includes the neighboring communities of Stock Island, where a lot of the remaining commercial fishing is based, and which used to be where Key West’s supplies were “stocked” in the 19Th and early 20Th centuries, and Key Haven, with wide canals and lots of pleasure boats.
Key West has been described in about a zillion travel guides and Web sites and the name used in countless movies as the place people want to finally get away to.The best way to describe Key West, is a vacation place. Meaning whenever you’re there, the ambiance and atmosphere catches you up in it and you could well be somewhere in the Bahamas or the Caribbean.
Key West is also a state of mind. You can watch sunsets from Mallory Square on the harbor, or from the bars and restaurants on the boat basins. You can shop or whatever on famous Duval Street. Since nobody knows how to throw a party like Key West does, you can join in at Fantasy Fest (think Mardi Gras) at the end of October, and see for yourself. This is, after all, Jimmy Buffett’s Margaritaville. Whatever you imagine about Key West is probably true.

key west agent
Cindy Kaye REALTOR®
1201 White Street #101
Key West Fl, 33040
Phone: 305-731-5000
Fax: 305 745-8575
E-mail: cindy@yourkeyshome.com
Web Page: http://www.yourkeyshome.com