Looking for the most bang for your buck? Want the most home for the money? We have a way that you can buy more home for the money. It is quite simple..... choose your neighborhood wisely. Let me explain. Recently the City of Cedar Grove Florida dissolved, leaving the city with Bay County. On the surface, not much has changed but if you are like I am, you will look further to see the monthly savings from living in the county over living in incorporated Panama City or Lynn Haven.
Here is how it works..... First let's assume that the home price in Bay County is $275,000 and the assessed value after the homestead exemption $197,500. $200 per month utilities
By living in Bay County, the millage rate, (the way your taxes are calculated) is lower than living in the "city". Also, there are no longer city franchise fees on your utilities and telecommunications. These fees can be up to 20% of your utility or phone bill!
The chart below shows the difference.......
Municipality Millage Rate Yearly taxes Monthly taxes Utility and Tele taxes
Bay County 10.615 $2095.17 $174.63 $0
Panama City 15.1105 $2984.32 $248.70 $36.44
Lynn Haven 13.6992 $2705.60 $225.47 $42.44
Callaway 12.8605 $2539.95 $211.67 $42.44
As you can see, living in Bay County can up to $95.00 over living in Lynn Haven Florida, $110.00 over living in Panama City. With interest rates the way they are today at around 5%, you would pay the same for a lesser home in Panama City since you are paying extra fees in Panama City. A $275,000 home in Bay County is the same as a home in Panama City for $253,000.
We have two great neighborhoods in Bay County, Cherokee Heights and Bylsma Manor Estates with a great selection of homes. Visit our website at www.knowpayneknowgain.com to see what we have for sale.
We just closed on another short sale in Panama City, FL. This one was a USDA Rural housing loan that took from December 16, 2008 until last week to close. We had approval to close in less than 60 days. Short sales are nothing more than a process and we have a great system to process short sales.
If you need help with your Panama City, Lynn Haven, Panama City Beach home, call the Payne Group today. We can help!!! For more short sale information, visit www.ShortSalesinPanamaCity.com
To view all listings all the time... www.KnowPayneKnowGain.com
Jeff Payne, Broker Associate/Short Sale Specialist
Keller Williams Success Realty
850-392-1770
Email ThePayneGroup@kw.com to be put on our foreclosure alert list
We just closed another short sale and saved another seller from a bad situation. Everything went just as we planned, contract to close in just over 60 days. The seller WAS NOT behind on his payment but had a hardship that qualified him for a short sale with his lender. The seller had a VA loan and his credit was critical due to a security clearance with the military.
The VA accepts 82% of the appraised value for their NET and DID NOT CUT THE COMMISSION.
Another successful short sale story.
To find out more information about short sales in Panama City, check out www.shortsalesinpanamacity.com
To be put on alert for new short sales and foreclosures.. www.knowpayneknowgain.com or email ThePayneGroup@kw.com and ask to be put on the foreclosure alert
Need to sell your home in the Panama City and Beaches area? The Payne Group has a proven plan to sell your home. Our staff is comprised of full time professionals who know what it takes to sell a home in a buyer's market. We can help you position your home in the market not just "on the market".
Want to know the value of your Panama City Home? Check out our website at www.panamacityhomevalues,com or visit our main site at www.knowpayneknowgain.com
Upside down need a way out? Behind on your payments and NEED TO SELL? We ARE the short sale experts in Panama City. For more information.. www.shortsalesinpanamacity.com
To view a copy of our home sellers guide
There is only one name you need to know for Panama City Real Estate.................................
Call one of our property specialists today at 850-392-1771 or email Jackie at ThePayneGroup@kw.com
Buyers want the most home that they can buy for the least amount of money. The lowest priced home in the best condition is what most are looking for. Prices have dropped, some are still dropping. WHEN WILL THE BOTTOM BE HERE? HOW WILL WE KNOW?
That question is easily answered... We don't know when the bottom will be here until PRICES START GOING UP. A market shift happens very quickly. Whether we are going from a sellers market to a buyers market or vice versa, the shift happens FAST. A neutral market is a very short lived market, most don't even know that a shift occured until months after it happens.
BUYERS............... DO NOT WAIT, TIMING THE MARKET COULD BE VERY COSTLY TO YOU. Even if prices went down again, we do not know what interest rates will be. A drop in price and a rise in rates will essentially not change your payment. The only problem is that if you wait, that low price, top condition home that you wanted may not be there after waiting.
Call the Payne Group today at 850-392-1770 for a personal consultation with one of our professionals.
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Jeff Payne is the team leader for the Payne Group at Keller Williams Success Realty. Our team has a dedicated staff of Real Estate professionals to ensure a 10++ customer service satisfaction.
The Payne Group at Keller Williams Success Realty consists of Jeff Payne, Melonie Payne, Brook Simmons, and Lynn Boyd. Our agents stay in tune with the Panama City, Florida real estate market to make sure that our buyers and sellers are well informed and educated. Whether you are buying or selling, we have an agent to fit your needs. We pride ourselves in our constant communication with our valued customers throughout the transaction as well as after the closing of escrow. Having a full time administrator and marketing manager on our team allows us to concentrate on our customers and ensures thouroughness throughout the entire transaction.
The Payne Group wants to be YOUR PANAMA CITY Realtor! As your trusted, professional real estate partner, we will help you find the best home in your area within your price range. Together, we will sell your home for as much as the market will bear, as quickly as possible!
Buying and selling a home is one of the biggest events in your life. Please let us help. Visit http://www.panamacityhomesource.com/
We specialize in working with our nations military relocations to Tyndall Air Force Base and Naval Coastal Systems in Panama City.
ATTENTION FSBO's, you can put your home on my site free of charge.... Go to www.panamacityfsbosource.com and follow the on screen instructions.
Want to know what your property is worth in today's market? www.panamacityhomevalues.com
Looking for a home? Our state-of-the-art IDX service makes all homes from all companies and agents in the Multiple Listing Service available to view with pictures and tours! Updated daily right here, right now! Search everything the web has to offer at http://www.panamacityhomesource.com
Need help with your looming foreclosure, check out www.shortsalesinpanamacity.com
Need local real estate information? We've summarized the real estate, business, and community highlights of Panama City, Lynn Haven, Panama City Beach , Tyndall Airforce Base and the surrounding communities in Bay, Washington,Gulf and Walton Counties! Need personal help and expert advice? A web site cannot take the place of an expert Realtor. Just click on any of the many links to contact usfor one-on-one expert help and advice. That's our job.
Call us for you new construction needs, we have lots ready in Cherokee Heights, and Deerfield Estates in Panama or we can build on your lot. Call today for details at 850-890-0132
Contact us with confidence! We guarantee your privacy will be respected. The services on this site are offered for free and without obligation because we want to be YOUR Realtor!
Give us a call today at 850-890-0132 or check out our informative website at http://www.panamacityhomesource.com/
KNOW PAYNE KNOW GAIN
We specialize in first time home buyers, VA purchasers, new construction as well as condos and income producing properties.
Our website is full of information at www.knowpayneknowgain.com
If you are interested in a new home, condo or investment property, look no further. Our builders have been building homes in Bay County for over 25 years and take great pride in each and every home that they builds.
First time home buyers will be guided through the entire process by our experience buyer specialists. Buying a home for the first time does not have to be a stressful or frightening experience. Our team will take the time to analyze your wants and needs to find your next home is a relaxing and stress free environment.
PCS to Tyndall Airforce Base? Call us, we know VA loans and would love to help you with your relocation.
Start your home search at www.knowpayneknowgain.com
Keller Williams Realty Philosophy
Our Mission - To build careers worth having, businesses worth owning and lives worth living.
Our Vision - To be the Company of choice for a new generation of real estate agents and owners.
Our Values - God, Family, then Business
Our Belief System - Our beliefs are an essential part of who we are and how we conduct business. The Keller Williams® Belief System is the foundation for providing the ultimate in service for our clients.
WI4C2TS
Our Belief System In Action...
Win-Win . . .
Or no deal
Integrity . . .
Do the right thing
Commitment . . .
In all things
Communication . . .
Seek first to understand
Creativity . . .
Ideas before results
Customers . . .
Always come first
Teamwork . . .
Together Everyone Achieves More
Trust . . .
Starts with honesty
Success . . .
Results through people
John Watson
"Jeff Payne and all the people at Keller Williams did an excellent job of listing and marketing my home. I received a good price and it was sold fast. I was so pleased, I listed another home with them, and am currently working with Jeff to purchase a lot to build a new home."
HE MADE SURE IT HAPPENED
"My husband and I lived in the Cherokee Heights neighborhood and had received a mailing from a realtor who lived in the neighborhood, Jeff Payne. I worked for a local title company and stopped by Jeff's office to introduce myself and let him know that I lived in the same neighborhood as he did. Thus began both my professional and my husband and I's personal relationship with the Payne's."
"As a Title Agent/Escrow Officer I have only the highest of praise for Jeff. I had dealt with a number of Bay County Realtors and I can say that Jeff is tops in integrity and honesty. Jeff always knew exactly what was happening with each of his transactions. Whenever I needed information on one of his transactions he had it to me within 24 hours. These factors ensured that his clients' transactions always went smoothly. Every one of his clients that I had the privilege of working with all had the highest of praise for Jeff."
"When we found out my husband was being transferred across the country and we would have to sell our home there was no doubt as to whom we would call to be our Real Estate professional. Within 24 hours of having our home listed we had a showing. Jeff knew our situation, when we had to have our home sold by and he made sure it happened."
"Jeff took the time to find the perfect agent for us here in Idaho. He made sure he found the agent who would do right by us and find us the home we were looking for. We couldn't have been happier with the agent he helped us find. I can tell you, though, Jeff didn't do all of these things because he knows us, Jeff goes above and beyond for all of his clients. I have witnessed it firsthand."
"If you are looking for an agent who will treat you with respect, be honest with you, and help you through each step of the way, look no further than Jeff Payne and The Payne Group. You can do no better than Jeff, Melonie and The Payne Group."
Kristin Carpenter
HELPING PEOPLE
"Being out of state trying to locate a home here took time - But! You managed to find one that we could live with after only our second meeting. Thank you."
"I would be happy to refer anyone needing your company. You said you like to help people. It shows."
Joy Raponi
"Jeff is a good guy who helped out with everything, explained stuff I had no clue about. To help me out, made sure I had a home when the time was running out. A pretty damn good realtor that will do what it takes to get the job done to get me in my first house."
Kyle Bedford
MY OWN PERSONAL REAL ESTATE AGENT
"It was great to have the feeling when I was looking for my next home, that I had my own personal real estate agent."
Doug Reed
NO ONE BETTER FOR THE JOB
"You won't find a better realtor than Jeff Payne, period!"
Daniel Hood
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