Sue Harris

Tidelands Condominiums on Intracoastal Waterway- Palm Coast

These condo's are located at "Tidelands" in Palm Coast...It is a gated community that sits on the Intracoastal Waterway.

These condos were originally going to sell for $350-$500K in a good steady market. It has been said that the price of these condos will come back in a few years.

The community offers: Full access to the clubhouse, 2 pool/jacuzzi areas, a kids room, an adult meeting room for card games and such, miles of walking/biking trails along the intracoastal, fitness room, gazebos with benches used for sight seeing, tennis, basketball, it even offers a nice Clubhouse Grille Restaurant.

Units range from$99,000 for a 2/2 & $112,100 for 3/2 with 1159 square feet of living area to $124,900 with a garage...The homeowner association dues are $5340 a year but it covers: basic cable, water & sewer, trash almost everything but electricity, insurance on the building, maintenance of the buildings, maintenance of the common areas, reserves for capital expenditures, 24 hour security at the gates and other expenses

For more information on this development call or email:

palmcoastbroker@aol.com 386-679-0117

Visit us online at: www.PalmCoastAgents.com

Visit more listings at: www.PalmCoastAgents.com

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

Short Sales in Palm Coast & Flagler We can help you find or sell your foreclosure!

If you can no longer make your mortgage payments and your home is now worth less that what you owe on it, short sale or foreclosure may be your only option.

A SHORT SALE - in which the lender allows the sale of a home for less than what it is worth and forgives the rest of the note - this provides another alternative for homeowners.

It is a WIN-WIN-WIN situation for seller, buyer and lender:

*Seller gets out of mortgage liability without facing bankruptcy

*Buyer gets the home at a reduced price

*Lender agrees to a loss it considers minimal without waiting through a foreclosure and being stuck with property that will not sell.

What is a Short Sale?

How do you sell a property if it's worth less than the mortgage balance?

In real estate, a Short Sale is a transaction that occurs when a bank or mortgage lender agrees to discount a loan balance due to an economic hardship on the part of the mortgagor.

Extenuating circumstances delegate whether or not banks will discount a loan balance. These circumstances are usually related to the current real estate market (value) and the individual borrower's financial situation.

The Short Sale is typically performed in order to prevent an actual foreclosure. Often a bank will choose to allow a short sale if they believe that it will result in a smaller financial loss as opposed to foreclosing.

Why does it take so long for a short sale to close?

A normal real estate transaction can close at will once the contract is fully executed. In the short sale process, all agreements are "subject to the approval of the lender". Since the seller is requesting a discounted payoff from the lender / lien holder all parties must allow the lender to complete an evaluation to determine if the loss is justifiable. The lender wants to mitigate their losses and so the process can delay closing for several months.

Why would the lender agree to take a loss on real property?

Lenders are in the business of lending out money not acquiring real property. Going through the complete foreclosure process can cost the lender up to $50K in fees. Lenders can mitigate losses and reduce expenses by selling the property pre-foreclosure / short sale.

Who is eligible for a Short sale?

In order to get your lender to accept less or consider a short sale you need to prove a hardship. Hardship can be caused by a significant loss of income, loss of employment, employment relocation over 60 miles, major medical expenses, increase in family size, overburden and just need out.

Short sale is a very desirable option for the owner who can no longer afford to make payments on the property as the Short Sale does NOT result in a deficiency judgment. In Florida, an actual foreclosure can result in a deficiency judgment against the mortgagor that can be renewed for up to 20 years! This alone makes the Short Sale a much more desirable option.

Another major consideration is the fact that a Short Sale is less damaging to your credit score as compared with a foreclosure. Simply put, your credit may be restored much more quickly in the case of a Short Sale.

Experienced and specially trained real estate brokers will work with local loss mitigation firms to structure a short sale package for presentation to the lender. The process can be complicated and should not be undertaken by inexperienced real estate agents.

Nationally and locally, the number of Short Sales increased dramatically in 2007 & 2008 and are reaching record levels in 2009.

Call or email Harris Realty & Associates to get started on your short sale process.

386.679.0117 Email palmcoastbroker@aol.com

We can also help you find a pre-foreclosure to buy... www.PalmCoastAgents.com

Email to have a list sent over that fits your needs.

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

Canopy Walk - Centex built gated condominium community along the Intracoastal Waterway. Develped by Centex.

Cinnamon Beach Condominiums and Homesites - High end homesites, some on the coast along plus oceanfront and lake front condominiums. Developed by Centex

The Conservatory at Hammock Beach - Exclusive Ginn development surrounding a Tom Watson signature golf course. Developed by Ginn.

Eagle Lake I - Single family residential community on Old Kings Rd South.

Grand Haven - A gated golfing community on the west side of the Intracoastal Waterway. About 1400 dwellings are coompleted or under construction. Total plan is for 1900 dwellings. Developer - LandMar

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 Atlantiic beaches. Developer - Ginn

Hammock Dunes - A private coastal golfing community with high-end homes and luxury oceanfront condominiums and two great golf courses.

Hidden Lakes - Planned residential community.

Matanzas Shores - Gated community near the ocean in the northern portion of Flagler County

Ocean Hammock - High-end gated residential with some oceanfront homes on the Atlantic.Developer - Lowe/Ocean Hammock

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

Palm Coast Resort and Condominiums - Planned resort hotel and marina with condominiums on the Intracoastal Waterway.

Sea Colony - A quaint, more mature, gated community fronting the Atlantic coast with smaller homes in a neighborhood setting.

Shelter Cove - 44 luxury homesite between the Atlantic Ocean and the Intracoastal waterway.

Tidelands - Condominium and single family home community on the Intracoastal Waterway. Developed by Centex.

Tuscoma - 200 Estate sized lots for executive homes built by the developer.

The Villas at Hammock Beach - Very upscale condominiums adjacent to the Hammock Beach Club and near the Atlantic beach. - Developer - Centex

Yacht Harbor Village - Luxury condos and single family homes in a marina village on the barrier island. Developed by Ginn.

Please email or call for listings in any of these communities.

Email: palmcoastbroker@aol.com

386.679.0117 www.PalmCoastAgents.com - Free online MLS search

Harris Realty & Associates

Palm Coast Area Property Management - Looking to get your property rented immediately?

Best Property Management Service in Town - Need a Rental?

We are also a full service property management and rental management company. We provide full management services so you can let your investment real estate work for you while we handle all the details.

Our management services include these types of properties: * Rental homes * Duplexes * Townhouses * Condominiums * Apartment buildings * Condotels * Vacation rentals * Commercial properties and more.

Our services include: Rental/lease applications and screening:

Applications are processed through an independent third party company. Screening includes but is not limited to credit reports, criminal background, income verification, rental history, evictions and employment or income verification for all persons 18 years of age or older who will occupy the property.All adults living in a rental property are required to be named on our Lease. We keep the lease current and in line with Florida Statutes. Owners will receive a copy of all executed leases.

Scheduling maintenance:

Maintenance of your property is one of the most important factors in maintaining value. If maintenance is necessary, we have a "hand-selected" choice of vendors and contractors who are licensed and insured. The work performed on your property should be quality and affordable.

Rental/lease fee collections:

We stay on top of our books here. If a payment is one day late our system notifies us. We then make an attempt to collect in person and in writing.

Vacation rental bookings:

We can manage your temporary rentals too. Whether it is daily, weekly or monthly. Our management fee is 30% with the cleaning cost included. (For short term/vacation rentals)For a long term rental we charge a 9% fee. (long term is anything over 3 months at a time)

Marketing of the rental:

Marketing Plan: Your property will be advertised using the most researched and proven methods to date. Your property is made available for viewing by rental shoppers by placing it in the Multiple Listing System, on multiple websites, through major search engine placement, housing websites, fax-blasts, circulated inventory lists, sales office promotions and our own search-engine optimized website.

Showings:

Your property will be shown to pre-qualified prospective applicants by our Property Managers and licensed real estate agents.

Quick Communication:

Communication with owners is important to us; it keeps us at the top for maintaining a high level of quality customer service.

Our Fees:

We charge 9% of the rental amount per month for our professional services for long term rentals. Anything over 3 months is considered long term.

Harris Realty currently manages a wide range of rentals in Palm Coast. We are experiencing a good occupancy rate in Palm Coast. We have a full time company that supervises the cleaning of your rental and maintenance. Your rental is handled by the same cleaning crew - so there is accountability. We do not rotate your linens or towels, everything stays in your condo. We do not take out for reserves for replacements, so if anything in the unit needs to be replaced it is your responsibility.

The internet is our main source of effective advertising. We all know that people generally start their search on the web and then call their top company of choice. We currently have 4 top producing sites. Our websites get tons of traffic with hundreds of visitors each day.

We are also a full service real estate company, so if you would like to list your property for sale while it is being rented we can offer this service too.

Harris Realty offers a reduced brokerage fee of 4% for sales

Email: palmcoastbroker@aol.com or call: 386.679.0117

NEED A RENTAL? Send an email to have a list sent over!

VISIT OUR SITE TO START YOUR SEARCH: www.PalmCoastAgents.com

Palm Coast offers a lot of home for the money. Our rentals go fast, so inquire now.