Sue Harris

New Communities in St Augustine, Florida - www.PalmCoastAgents.com

Monterey at Palencia, Standard Pacific Homes, Saint Augustine, FL 32095 from $582,900 - $748,400

Sunset Point, Group IV Properties, Saint Augustine, FL 32080 from $349,900 - $453,900

Hannah's Walk, Mercedes Homes, Saint Augustine, FL 32080 from $239,990 - $259,990

Sevilla, Morrison Homes, Saint Augustine, FL 32092 from $279,990 - $373,990

The Hideaway at Old Moultrie, Richmond American Homes, Saint Augustine, FL 32086 from $213,990 - $266,990

Murabella, Lennar, Saint Augustine, FL 32092 from $249,990 - $249,990

Grand Cay, KB Home,Saint Augustine, FL 32086 from $185,990 - $274,990

Samara Lakes - River Birch, KB Home,Saint Augustine, FL 32092 from $176,990 - $240,990

Tuscany Village Townhomes, KB Home, Saint Augustine, FL 32084 from $132,505 - $152,990

Coronado, Mercedes Homes,Saint Augustine, FL 32086 from $373,990 - $589,990

SeaGrove, Mercedes Homes,Saint Augustine, FL 32080 from $297,990 - $417,990

South Hampton - St. Johns County, Beazer Homes, Saint Augustine, FL 32092 from $439,000 - $485,000

Whisper Ridge, Richmond American Homes, Saint Augustine, FL 32092 from $255,990 - $303,990

Sea Grove, Richmond American Homes, Saint Augustine, FL 32080 from $381,990 - $497,990

Chancellors Ridge Village, Lennar, Saint Augustine, FL 32084 from $279,990 - $309,990

The Villages of Tuscany - San Savino, Toll Brothers,Saint Augustine, FL 32086 from $407,975 - $498,475

Sevilla, Richmond American Homes, Saint Augustine, FL 32092from $248,990 - $304,990

New Hope Village, Lennar, Saint Augustine, FL 32084 from $234,990 - $294,990

Quail Ridge Village, Lennar, Saint Augustine, FL 32084 from $189,990 - $244,990

Florentine III, KB Home, Saint Augustine, FL 32095 from $199,990 - $227,990

Segovia Townhomes at World Commerce Center, Morrison Homes, Saint Augustine, FL 32092

Villas At Heritage Park, Lennar, Saint Augustine, FL 32084 from $154,900 - $184,990

Heritage Landing at World Golf Village, Engle Homes, Saint Augustine, FL 32092 from $228,610 - $286,990

Palencia, David Weekley Homes, Saint Augustine, FL 32095 from $625,990 - $799,990

Kensington, Ryland Homes, Saint Augustine, FL 32095 from $368,990 - $490,990

St. John's Golf and Country Club, David Weekley Homes, Saint Augustine, FL 32092 from $599,900 - $685,990

Cascades at World Golf Village, Levitt and Sons, Saint Augustine, FL 32092 from $172,900 - $359,900

Samara Lakes - Oak Ridge, KB Home, Saint Augustine, FL 32092 from $174,990 - $265,990

Isles of the World, Whitehall Quality Homes, Saint Augustine, FL 32095

Samara Lakes - Briar Wood, KB Home, Saint Augustine, FL 32092 from $142,990 - $144,990

Summer Point, Engle Homes, Saint Augustine, FL 32086 from $267,990 - $335,990

Sevilla Discovery Homes, Ryland Homes, Saint Augustine, FL 32092 from $229,990 - $343,961

Paloma, Mercedes Homes, Saint Augustine, FL 32084 from $128,860 - $145,080

Olde Florida, Mercedes Homes, Saint Augustine, FL 32084 from $279,990 - $429,990

Murabella, Standard Pacific Homes, Saint Augustine, FL 32092 from $316,900 - $563,900

Sevilla Executive Homes, Ryland Homes, Saint Augustine, FL 32092 from $264,990 - $386,888

Ravenswood Forest, SeaGate Homes, Saint Augustine, FL 32084, from $154,990 and up

Sandy Creek, SEDA Construction Company, Saint Augustine, FL 32095 from high $200,000s

Saving for the Down Payment

Saving funds for a down payment should be part of an overall program to get your finances in order prior to shopping for a home. This includes rounding up financial records, examining your spending habits, and setting a budget you can live with. Remember, too, that the down payment is not the only up-front expense. An allowance for closing costs should also be included in your savings budget.

How much is required?
The down payment is usually expressed as a percentage of the overall purchase price of the home, and varies depending on the lender, the type of financing and amount of money being lent. In the past, the typical down payment was 20%, but in recent years lenders have been willing to offer conventional financing with as little as 3% down. U.S. Government financing programs, such as those offered by the Dept. of Veterans Affairs (VA) or the Federal Housing Administration (FHA), also require minimal down payments.

Private mortgage insurance
Typically, if your down payment is less than 20% of the purchase price, lenders will require you to carry PMI, or private mortgage insurance. This insurance protects the lender in case of loan default, and usually involves an up-front payment at closing, as well as a monthly premium. However, once you have paid off 20% of the loan, you can request the policy be canceled. Some lenders cancel the premium automatically, while others require you to make a request in writing.

Gifts
If you are having trouble saving enough money, many lenders will allow you to use gift funds for the down payment--as well as for related closing costs. The gift may come from family, friends or other sources, but remember that lenders usually require a "gift letter" stating the gift doesn't have to be repaid. In addition, some lenders will also require you to pay at least a portion of the down payment with your own cash. Thus, if you plan to use gift money to purchase your house, ask your lender about their policies regarding gifts.

Earnest money
Buyers are usually required to deposit earnest money with the seller when they make an offer. If the offer is accepted, the earnest money is then credited towards the down payment. The amount varies widely depending on the seller and local custom, but be prepared from the outset to have funds earmarked for this purpose.

Don't forget closing costs
In addition to the down payment, you will also need to save for additional fees associated with the loan. Known as closing costs, these charges cover items such as title insurance, documentary stamps, loan origination fees, the survey, attorney's fees, etc. When you submit your loan application, lenders are required to supply you with a good faith estimate of your closing costs.

Some buyers are surprised by the amount of the closing costs, which can easily run into the thousands of dollars. Remember, though, that closing costs can be negotiated with the seller. For example, you may agree to pay the full asking price in exchange for the seller paying all the allowable closing costs.

If you need further assistance or listings for properties, Please feel free to call or email. You can start your online free MLS search at: www.PalmCoastAgents.com Harris Realty- Email: palmcoastbroker@aol.com

Listings to these communities can be viewed online at: www.PalmCoastAgents.com or send an email to: palmcoastbroker@aol.com Harris Realty & Associates 386.679.0117

Residential Communities in Palm Coast, Flagler Beach area (Flagler County, Florida) Other subdivisions include: Matanzas Woods, Palm Harbor, Lehigh Woods, Pine Grove, Seminole Woods, Quail Hollow, Pine Lakes, Indian Trails

Admiral's Cove Condominiums - Luxury condominiums and marina on the Intracoastal Waterway. Part of Yacht Harbor Village. Developed by Ginn.

Bella Harbor - Condos and boat slips - 3 Bedroom units starting at $199K

Canopy Walk - Centex built gated condominium community along the Intracoastal Waterway. Developed by Centex. 242 Condos, 69 Boat Slips with Lifts- 53 acres, nature trails, pool complex 2 & 3 Bedroom Units starting at $165K

Cinnamon Beach Condominiums and Homesites - High end home-sites, some on the coast along plus oceanfront and lake front condominiums. Developed by Centex 275 Condos, 111 Home-sites - 3 Bedroom units starting at $250K

The Conservatory at Hammock Beach - Exclusive Ginn development surrounding a Tom Watson signature golf course. Developed by Ginn. Lots for $49K Homes for 1,295,000K

Eagle Lakes - Single family residential community on Old Kings Rd South. Lots for $59K, Homes for $349K

European Village - 100 Condo Hotel, 28 Stores/Restaurants, Sports Center, Outdoor Theater - 2 Bedroom units starting at $89K

Grand Haven - A gated golfing community on the west side of the Intracoastal Waterway. About 1400 dwellings are completed or under construction. Total plan is for 1900 dwellings. Developer - LandMar - Intracoastal, Golf Course, Lake, Preserve Homes, Homesites, Homes, Villas, Condos - 3 Bedroom Condos at $199K - Home sites at $59K - Homes at $184,900

Grand Landings - A fly in community- Homes and home-sites Homes at $379K Home sites at $74,900

Hammock Beach Condominium and Homesites - A combination of a luxury resort hotel and high-end single family homes in a gated community located along and near Atlantic beaches. Developer - Ginn -243 Condos, 3BR & 4BR, 126 1BR Condo Hotel 2 Bedroom Condos $249K

Hammock Dunes - A private coastal golfing community with high-end homes and luxury oceanfront condominiums and two great golf courses. Oceanfront, Golf Course, Intracoastal, Lake, Preserve Homes, Homesites, Villas, High-rise condos, Mid-rise condos Condos starting at $300K Lots at $144K Homes starting at $399K

Hidden Lakes - Planned residential community located on Old Kings Rd. Homes at $359K

Island Estates - Luxury living in a gated community that backs the intracoastal waterway- Estate size homesites - Luxury Homes on small acreage Homes start at $900K Homesites at $250K

Marina Bay - Condos and boat slips - Condos at $299K

Marina Cove- 110 Condos & Townhomes- Boat slips available - Condos at $245K

Matanzas Shores - Gated community near the ocean in the northern portion of Flagler County - Home sites for $128K Homes for $274K

Oceanside Condos at Beverly Beach- Condos start at $499K

Ocean Hammock - High-end gated residential with some oceanfront homes on the Atlantic Developer - Lowe/Ocean Hammock 793 Home sites and Homes Home sites at $149 Homes at $699K

Palm Coast Plantation - A gated residential community with several intracoastal homesites on the west side of the Intracoastal. No build out requirements. Developer - Palm Coast Waterway Investment Lots start at $50K Homes start at $299K

Palm Coast Resort and Condominiums - Planned resort hotel and marina with condominiums on the Intracoastal Waterway. Condos for $399K

Sanctuary - A gated community on a private island on the intracoastal - Homes at $509K Lots at $140K

Sea Colony - A quaint, more mature, gated community fronting the Atlantic coast with smaller homes in a neighborhood setting. 100 acres, 350 homes, 2&3 Bedrm -Cape Cod in Florida and along the Ocean Homes starting at $275K

Shelter Cove - 43 luxury home sites between the Atlantic Ocean and the Intracoastal waterway. Homes for $699K Lots for $90K

Sugar mill Plantantion - Located on Old Kings Rd- Homes start at $389K

Surf-Club Condos - 444 Condos in three buildings - Condos start at $275K

Tidelands - Condominium and single family home community on the Intracoastal Waterway. Developed by Centex. 386 Condos & Townhomes, 168 Lots Condos start at $99K, Homes start at $379K Home sites start at $92K

The Villas at Hammock Beach - Very upscale condominiums adjacent to the Hammock Beach Club and near the Atlantic beach. - Developer - Centex 116 Villas/Condos -Yacht Harbor Marina privileges - Condos start at $399K

Yacht Harbor Village - Luxury condos and single family homes in a marina village on the barrier island. Developed by Ginn. 88 Condos, 205 Homesites, 209 Slips Condos start at $235K

Here is some useful information on our Communities / Subdivisions in Palm Coast, Flagler Beach areas... Listings can be found online at: www.PalmCoastAgents.com or email: palmcoastbroker@aol.com for a list of homes that match your criteria.

Flagler County Subdivisions / Communities

Adalusia Bay- Gated Community with Lakefront and Acreage - Off SR 100 by Lake Disston - Past Bunnell area

Armand Beach Estates- Oceanside Community off of A1A with Community Pool Traditional Homes & Luxury Homes, Oceanfront, Oceanview, Northern end of Flagler Beach- Northern Peninsula- Hammock Area

Artesia Subdivision- Oceanshore Community by Hammock in the Northern Peninsula of Flagler Beach, Palm Coast Area

Atlanta Beach- This community offer direct oceanfront homes and home-sites, oceanfront lots, Located between the Intracoastal Waterway, ICW and the Ocean, A1A South to 27^th Street area

Beverly Shores East- Exquisite homes and land that run from the Intracoastal Waterway to the A1A, Oceanside, Located in the Southern end of Flagler, Southern Peninsula

Bimini Gardens- Single Family Homes located West of Bunnell on SR 100 West

Bon Terra Estates- Hammock Beach Community, Flagler County Beachside Communities, Public access boat launch, beach access, Intracoastal Waterway Lots and Homes, Properties on the ocean

Bragg- Single Family Residences off A1A, North of Bings Landing - Hammock Area Northern Peninsula, close to beaches and shopping, upcoming neighborhood

Bratcher Estates - Bunnell area single family homes in Flagler County - located by Deen Road

Bridgewater- Flagler Beach Condos and Townhomes - Community just before the Flagler Beach bridge

Bruner Subdivision- Flagler Area- Single Family Homes, Blocks from beach-South of 20^th street

Bulow Creek- Estate size lots and Acreage- Homes with Acreage- Acreage off of John Anderson- just North of Volusia County line

Bulow Woods- Homes with acreage, close to beaches, located off John Anderson

Bunnell Development Co- Homes with Acres West of Flagler County, W SR 100

Campbell Ridge- Acreage Community - 3 miles West of Bunnell- Luxury Living

Canterbury Estates- Lakeview lots in a Golf Course Community- Matanzas Woods of Palm Coast

Cedar Island- Saltwater Lots with ICW-Intracoastal Waterway access, South of Flagler Beach Pier to 23^rd st- Island just steps to the ocean, Coastal living, Waterfront homes and land off the intercoastal, Beachside, Waterfront Living

Cinnamon Grove Village- Private Gated Oceanside Village Community with pre-construction pricing, beach access, private lake, picnic area, playground, bike trails, Estate size homes and lots

Cochran Place Subdivision- Flagler Beach homes with Oceanview lots and Ocean view homes

Colony Park- Bunnell homes and residences off Hwy 100

Conservatory- Gated Golf Course Community with Luxury Homes, located off Old Kings Road

Coventry Lane Subdivision- Beach Homes in Flagler Beach Florida off A1A to South 25^th

Custers Palm Harbor- Luxury Homes in a prestigious neighborhood, 1 mile from Flagler Beaches, Across from ICW- Marsh Homes, 100 East on Palm Dr, before bridge

Cypress Knoll- Golf Community in Palm Coast with Luxury Homes

Daytona North- Acreage with open zoning, Mobile homes, Single Family homes, West Bunnell

Driftwood Terrace- Oceanfront homes- 2 story luxury waterfront homes, Homes overlooking Atlantic ocean, Direct Oceanfront living

Dupont Estates- Oceanview homes and land located on A1A by Washington State Park and Surf Club

Eagle Lakes- One of Flagler Counties newest developments with Lakefront homes in Flagler, located off Old Kings Rd by Sugar Mill Plantation

Eagle Rock Ranch- 5+ acre homes in a gated Equestrian community with low taxes and country living in town, Just 65 homes with private roads, community pool, clubhouse, Ranch Style Homes and Homesites

Emerald Cove- Saltwater canal homes with docks in the Flagler Beach area, Marsh Homes, Beachside homes and Flagler Beach Lots

Espanola Farms- Acreage Homes and Land, West of Bunnell on CR 13 Fairgrounds Road

Fairchild Oaks- Beautiful Private Gated Community with Traditional styled homes, highly desirable community with beautiful mature trees, Off Old Kings Rd

Falcon Fire- Mobile Homes, Single Family Homes, West of Bunnell, CR 13

Flagler Beach Polo Club- Extraordinary Gated Community with only 40 home-sites divided among 200 acres, Southern elegance among historical oak trees and navigable waterways, natural woods preserved for walking trails, All lakes are stocked with fish

Flagler Estates- Own your piece of Country in Flagler Estates, open zoning, bring your horses, most lots are over an acre

Flagler Truck Farms- Oversized homesites in the country setting off CR 2006

Forest Park- Large Luxury homes and home-sites in this gated community, Lakefront Homes and Lots, located off of Colbert Ln in Palm Coast, Seagate model homes available for sale

Fuquay & George Moody - Most of the Flagler Beach, Oceanfront, Ocean-view Homes fall in this subdivision

Gold Coast Subdivision- Direct Oceanview with Littoral Rights, Beach Homes in Flagler, Palm Coast, Florida, Beach Bungalows, Panoramic Views of the Atlantic Ocean, North A1A by 18^th street

Golden Beach- COMING SOON - MORE RESIDENTIAL COMMUNITIES

Saltwater Canal Homes - Waterfront Living in Palm Coast, Florida 386.679.0117- Harris Realty

There is no better location than the unique 23 miles of navigable Saltwater Canals in Palm Coast Florida with access to the Intracoastal Waterway.

In the saltwater canal section most lots are about 80 feet wide +- but 80 feet is the average and can accommodate large boats. If you have a sailboat or a very large boat then you need to be in "Sail Boat Country" where you don't have to go under any bridges to gain access to the Intracoastal.

Current Statistics for August 3rd, 2009 Homes for sale under $350K

Total Active Saltwater Homes for sale - 38

For Sale with 80 feet or more water frontage- 23

Current Pending Sales on the Saltwater Canals- 10

Recently Sold Homes on the Saltwater Canals in the last 6 months- 44

Call or email now to get your listings emailed right to you. Email: palmcoastbroker@aol.com

386.679.0117

Sue Harris

Harris Realty & Associates

OTHER REAL ESTATE IN THE AREA:

Palm Coast Short sales / Foreclosures /Bank owned Homes

Bank owned Homes $79K +

Single Family Homes $69K +

Short sales / Pre-foreclosures $99K +

Condominiums $69K +

Waterfront Condos $99K +

Waterfront Homes $189K +

Waterfront Lots $120K +

Pool Homes $125K +

Palm Coast Lots $13K +

Duplexes $139K +

Multi Unit Investments (Apartments) $349K +

Commercial $75K +

You can start your FREE online search at: www.PalmCoastAgents.com

Or send an email to: palmcoastbroker@aol.com

Please let us know what you're searching for and we will email the selected properties over.

Harris Realty & Associates

386-679-0117

Sue Harris