FORECLOSURES IN THE PANHANDLE OF FLORIDA THIS WEEK
Altough I cannot officially put the links of the foreclosures in this post because someone got mad I was advertising their listings without their permission, I can give you the raw numbers and then you can email me for the lists. My email is Kelly@KellyKleinSoldMine.com I will place you on my distribution list of buyers who have an interest in this type of purchase.
This reminds me of an old saying, "Just Give me the Facts" Well, here they are.
EMERALD COAST ASSOCIATION OF REALTORS (ECAR)
Sales are up in our area with 98 homes closing just last week alone. Average price per square foot was $136.28
8 Condos closed last week. Average price per square foot was $332.32
6 Townhomes closed last week. Average price per square foot was $111.20
11 Lots sold last week. Average price $96,557
CONDOS
Condo loans are still available, but a condo buyer today needs at least 25-30% down in cash and good credit score in order to qualify for a loan. I have a list of bankers in the area who are still loaning on this product. A lot of the more recent condo purchases have been to cash buyers who seem to have flooded the market again and picking up these foreclosures.
There are 48 condos in Foreclosure today from the Pensacola to Bay County line.
15 of these condos are Waterfront (Gulf of Mexico) condos for sale.
HOMES
110 Foreclosed homes in our market today. Homes if Primary Homes are easy to finance. FHA requires only 3.5% down. VA and some other loans like 203K loans have 100% financing. Conventional loans will require 20% down to avoid the PMI. Again, mortgage lenders are looking for strong buyers with cash down and good credit scores.
LOTS
123 lots are in foreclosure. Lot loans are very difficult to obtain. One buyer of mine recently bought a foreclose lot that was in Foreclosure by Regions Mortgage and was able to obtain 3.5% financing on it. That was incredible and those are the ones to be looking for. The lowest priced lot this week in the list $11,500 in Navarre, FL. Email me for the list. Kelly@KellyKleinSoldMine.com
TOWNHOMES
14 Townhomes are in the list this week. Townhomes are secured by home mortgage loans and follow the same guidelines for purchase. First time home buyers benefit with a $8,000 tax credit. The State of Florida is currently reviewing this and trying to make this a part of down payment assistance rather than a tax credit.
BAY COUNTY ASSOCIATION OF REALTOR LISTINGS (BCAR)
HOMES
63 homes are in foreclosure in Panama City Beach, FL today.
CONDOS
15 condos are in foreclosure in Panama City Beach, FL today. Of these 15, 8 are Gulf Front.
TOWNHOMES
8 Townhomes are in foreclosure in Panama City Beach, FL today.
LOTS
There are 49 lots in foreclosure today in Panama City Beach, FL. The least expensive lot is $31,900 in Hidden Lagoon.
Call Kelly Klein, Destin Real Estate Agent for Red Hot Realty, to list and sell your home or condo or help you buy a home or rental property on the Emerald Coast of Florida in Walton, Okaloosa and Bay Counties- Blue Mountain Beach, Bluewater Bay, Destin, Eglin AFB, Grayton Beach, Hurlburt Field, Highway 30A, Niceville, Panama City Beach, Rosemary Beach, Santa Rosa Beach, Seacrest Beach, Seagrove Beach, Seaside, Watercolor. Kelly is a buyer's representative and foreclosure specialist and can help you buy a foreclosed property in and around Destin and Panama City Beach, Florida. 850-420-2480. Http://www.kellykleinsoldmine.com
I am having a successful year. What I find interesting about this is that other Realtors get so jealous when you are having a good year. Today I took down all of the posts that dealt with market reports because they contained links to listings that I do not own. Guess what? I hardly ever take a listing. I work as a Buyer's Representative and not a Listing Agent. 99% of my business is as a buyer's representative. In order to do this you must provide listings to them from the local MLS to provide them a range of choices in which to choose from. Not sure about your business, but in today's market it takes a lot of cooperative efforts to get a home sold.
With this said, I have deleted these very useful buyer's informational reports and now ask you to email me directly if you would like the latest lists of all active Foreclosures, Short Sales, REOs, or even regular sales with motivated sellers so I can help you save money too.
Call Kelly Klein, Destin Real Estate Agent for Red Hot Realty, to list and sell your home or condo or help you buy a home or rental property on the Emerald Coast of Florida in Walton, Okaloosa and Bay Counties- Blue Mountain Beach, Bluewater Bay, Destin, Eglin AFB, Grayton Beach, Hurlburt Field, Highway 30A, Niceville, Panama City Beach, Rosemary Beach, Santa Rosa Beach, Seacrest Beach, Seagrove Beach, Seaside, Watercolor. I am a buyer's representative and foreclosure specialist who can help you buy a foreclosed property in and around Destin and Panama City Beach, Florida.
Foreclosures List ~ Looking for a Deal? April 26, 2009 Foreclosure List from Pensacola to Panama City Beach, FL Please email me with listings of interest. Kelly@Kellykleinsoldmine.com
Dear Clients, Investors, and Friends, Foreclosures are our number one selling product right now and they are selling in about 58 days. I have recently run into multiple offers on the same property. That hasn't happened for a long time. Some foreclosures are requiring offers slightly higher than the listing price. We do not lack an inventory of foreclosures in our market area. Take a look at what is being offered today. If you know of anyone looking to be a part of this weekly email list, please provide me with their first name, last name and email address so I can include them in this report. If you have a specific need or request, please let me know. I will be happy to help you.
Foreclosures available from the Emerald Coast Association of Realtors (Pensacola to Bay County Line) Please contact me for a full foreclosure list at kelly@kellykleinsoldmine.com
Foreclosures available from the Bay County Associations of Realtors sorted by area. (Bay County, Panama City Beach)
Please contact me for more specific information on any listing. Kelly@KellyKleinSoldMine.com
Warmly yours,
Kelly Klein, Red Hot Realty
Call Kelly Klein, Destin Real Estate Agent for Red Hot Realty, to list and sell your home or condo or help you buy a home or rental property on the Emerald Coast of Florida in Walton, Okaloosa and Bay Counties- Blue Mountain Beach, Bluewater Bay, Destin, Eglin AFB, Grayton Beach, Hurlburt Field, Highway 30A, Niceville, Panama City Beach, Rosemary Beach, Santa Rosa Beach, Seacrest Beach, Seagrove Beach, Seaside, Watercolor. Kelly is a buyer's representative and foreclosure specialist and can help you buy a foreclosed property in and around Destin and Panama City Beach, Florida.
Tomorrow is Earth Day. I have recently adopted a mile in my neighborhood and walk it daily now with a trash bag and pick up mostly beer bottles. Why is that beer bottles are the number one item found along our roads anyway? Cigarette boxes are also another popular found item. Once in a while I find a coffee cup or a Subway sandwich wrap and cup. I like it best when I find money. Mostly pennies. I guess that is why they say pennies from heaven? Who knows, but I would prefer quarters if you are going to be throwing any thing out of your windows from now on.
Please respect Mother Earth and leave it better than what you found it.
Plant a tree tomorrow if you can.
Thanks,
Kelly Klein
Red Hot Realty
Hwy. 30A in Santa Rosa Beach, FL
Okay, I have to admit I have written 31 short sales in the last year and a half. Zero have closed. Am I excited about them? Not in the least. In fact, I advise my clients now that the name of this sale is a joke. There is nothing short about a short sale at all. I have waited and waited and waited.
One of them made it all the way to the closing table and I was representing the buyer. The buyer's funds were there and all of the papers were signed. The seller, who was a real estate agent / owner and should have known about the short sale process would not sign off on the final documents which required him to repay the amount of the deficit or get a 1099 form. It was a vacant piece of land and the amount owed was only $25,000 and still this agent / owner would not sign off.
My buyer as well as I were both totally disgusted after waiting 9 months for this day to arrive. The buyer who dumped me and claims he did not blame me, ended up buying the lot across the street from a for sale by owner who did not want an agent involved.
Today I am in a similar situation with an agent/owner who is the seller but decided to list it with me. We have a very patient buyer who is qualified to buy and the bank has even accepted the offer, but the seller now does not want to sell because they too will owe the 1099 or deficit. Here we go again.
Out of 31 written proposals for short sales, not one has successfully closed. I have three on the table right now and I am not overly optimistic. Where did this word come from anyway? There truly is no "short" to a short sale at all.
Rewind......also speaking of foreclosures are you running into more and more transactions that are generated by computers? It is supposed to eliminate the wait time for responses. It does, but the response so far on mine has been counteroffers at full price again. It seems as though there is some type of percentage of list value and you get this response. Anyone else getting this same response from sources like www.bidselect.com?
This is nuts. Where is the logic in this mess? All I can say as a buyer's representative, I advise my clients to stay clear of short sales and be wary of foreclosures.
I appreciate your feedback and would appreciate in the form of experiences.
Thank you.
Kelly Klein
Call Kelly Klein, Destin Real Estate Agent for Red Hot Realty, to list and sell your home or condo or help you buy a home or rental property on the Emerald Coast of Florida in Walton, Okaloosa and Bay Counties- Blue Mountain Beach, Bluewater Bay, Destin, Eglin AFB, Grayton Beach, Hurlburt Field, Highway 30A, Niceville, Panama City Beach, Rosemary Beach, Santa Rosa Beach, Seacrest Beach, Seagrove Beach, Seaside, Watercolor. Kelly is a buyer's representative and foreclosure specialist and can help you buy a foreclosed property in and around Destin and Panama City Beach, Florida.
Waterview and Waterfront Specialist along the Emerald Coast in the Florida Panhandle servicing Destin, Santa Rosa Beach, and Panama City Beach, Florida.
Accredited Buyer's Representative (ABR), e-Pro, Certified International Property Specilist (CIPS), Certified Residential Specialist (CRS), GREEN, Performance Management Network Management (PMN), Resort and Second Home Property Specialist (RSPS), Transnational Referral System (TRS), Relocation Specialist
2009 South Walton Director for the Emerald Coast Association of Realtors
2008 Women's Council of Realtors Past-President
2007 Women's Council of Realtors President Elect
2006 Women's Council of Realtors Secretary
2006 Emerald Coast Association of Realtors Leadership Development Team, recipient of the "You Rock" award
2006 Obtained Broker's License
2002 - Present Member of the National Association of Realtors
2005 - Present Member of the Emerald Coast Association of Realtors
2003-2005 Member of the Georgia Association of Realtors
Licensed in Florida and Georgia as a Realtor
Associates Degree in Computer Science
Leaving the IT field and entering into Real Estate was the best career decision of my life. I love people just like you and would love to EARN your business. I specialize in Waterfront and Waterview Properties along the Emerald Coast from as far away as Navarre to Panama City Beach with a emphasis on the Hwy. 30-A market.
Hobbies and Interests: Exercise, love of dogs, reading, education, politics, boating, playing drums!
Please give me a call when thinking of buying or selling. My team of professionals can assist you with a smooth transaction.
Thank you!
Waterfront and Waterview lots, condos, and homes along the Emerald Coast from Destin to Panama City Beach with an emphasis on the Hwy. 30A market in Santa Rosa Beach, Florida. I also have experience with short sales and foreclosures in an ever changing marketplace. GREEN home advisor.
May 23, 2009 -- I couldn't have found a better Realtor to work with if I had spent a month
looking. Kelly did an excellent job working with us on a 4 day house
hunting trip and has provided consistent communication with us since we left the Destin area. Overall Kelly gets an A+.
Troy and Celeste Johnson
May 6, 2009
"We were shopping for a home long distance and needed a realtor we could trust. Kelly was there for us every step of the way. She viewed properties, gave advice, was always honest, and worked harder than any real estate agent we've ever known! Don't hesitate: Kelly Klein is outstanding!"
Angela, David, and Donna Diebolt
March 2, 2009
Ms. Kelly Klein
Red Hot Realty
1209 Airport Road, Suite 9
Destin, Fl. 32541
Dear Kelly:
Thank you for your assistance with my recent property purchase. You were referred to me by good friends who were extremely pleased and grateful for your help when they purchased their new home. They were impressed by your attention to details that they might not have considered, to both protect their interest and to save money. I wholeheartedly agree with their opinions!
I appreciate how much time, effort and importance you placed on my real estate search. Not being familiar with the area and living out of town, I was fortunate to rely on your guidance and expertise with a sense of trust that my requirements and interests were your highest priority in finding that perfect property.
In addition, your strong and positive network with related professionals and businesses (title insurance company, mortgage lender, surveryor) streamlined the process. You should know that you are held in high esteem by your peers, as I discovered during our association.
Kelly, you exceeded my expectations, and I hope to work with you again.
Sincerely,
Paula Smithson
________________________________________________________________________________________
From Janet and Bill,
We enjoyed working with you also and would recommend you to anyone who is looking for an excellent real estate agent and a fun person to work with.
______________________________________________________________________________________
From Fred ~
Last October my wife spent a weekend visiting a friend of hers who lives in the Riviera Beach area of Panama City Beach. When she got back home she felt like it was the sort of a spot that I would like and that there might be several good deals available in that areas' housing market. So, after a visit the following weekend and a lot of internet research, we randomly selected Kelly to help us on our quest for the best vacation home that our budget could handle. She could not have been any more accommodating. Her energetic, kind and pleasant, but professional manner turned what could have been a frustrating search into a fun adventure. As we hunted for our dream vacation home, she had all sorts of interesting lowdown on the area. She knows her stuff. The first weekend we had a few possibilities in sight. We made a couple of offers but they didn't pan out. Each day Kelly would E-mail us at our home near Atlanta any other possibilities as they came on the market. When we had a free weekend to search some more, Kelly was unable to be available. In spite of this she managed to have an associate of hers meet us anyway. She too was equally as accommodating. During the negotiation and closing phases of our purchase she was very helpful. Throughout the entire process, we really got the impression that she would do anything we requested. Can't say enough about her. We are very pleased. She even congratulated us with a smile and a bottle of wine the day we moved in!
From Mike and Michelle ~
Just so there are no doubts on this issue, we are most thankful for your efforts throughtout the buying process and especially during our last visit. You are the one who educated us about the market, gave us advice based on your experience and insights - even if you thought we might not want to hear it, helped us get it clear in our heads what was important to us when it came time to make tradeoffs, listened to what we were saying and then guided us to properties that met those criteria - as opposed to steering us toward properties that you might have had a personal preference for, and most importantly behaved in a way that was totally professional, with high personal integrity, and had a personal touch that made the overall experience enjoyable.
And lastly, you shepherded us through the offer and closing process - all the way down to making sure we got the keys to the condo.
All of the above are why would we without hestitation refer you to others that might be interested in investing in the Destin area. Michelle has already referred you to her step-mom. And I wouldn't be surprised if some of our friends take an interest after visiting us in Miramar Beach.
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From Dan and Jan -- Thank you for your assistances with the purchase of our Florida house. Dan & I appreciate your thoughtfulness. Sincerely, Jan and Dan
___________________________________________________________
Hi Kelly,
Thank you so much for the information that you have sent thus far.
Your information and email style is both helpful and extremely professional - thank you.
We have a lot of friends and family that we will refer them to you. Hopefully, within the next year and a half, we will be ready for pre-sale opportunities in Florida.
Again, thank you so much for your time, energy and professionalism.
Warmest regards,
Christy and Dave
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Dear Kelly, Thanks so much for the terrific write-up and pictures of our lot. We sincerely appreciate your prompt and professional attention and look forward to working with you.
Kind regards, Hal & Julie
I forwarded your name and the work you've been doing for us to our son in Houston, Tx. He has some properties in Panama City Beach (Laguna Beach) that he wants to list before long. So, don't be surprised if you get a call or email from them.
Thanks again,
Julie & Hal
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Kelly, I wanted to Thank You for all your help on the purchase of my house. As an out of town owner I had a lot of concerns about inspections, closing, and overall how to do this from another state. You made things happen; were well organized and knew what you were doing. I will certainly recommend you to friends and acquaintances in the future.
CAD
"A good reputation is more valuable than money." -Pubilius Syrus 
Please enjoy what other people have to say about me and their home buying or selling experiences...
May 23, 2009 -- I couldn't have found a better realtor to work with if I had spent a month
looking. Kelly did an excellent job working with us on a 4 day house
hunting trip and has provided consistent communication with us since we left the Destin area. Overall Kelly gets an A+.
From Mike and Michelle ~
You shared with us that you had severed your business relationship with Charlotte. We hope that no problems were caused by inviting both you and Charlotte to help us celebrate when we are in town. Just so there are no doubts on this issue, we are most thankful for your individual efforts throughtout the buying process and especially during our last visit. You are the one who educated us about the market, gave us advice based on your experience and insights - even if you thought we might not want to hear it, helped us get it clear in our heads what was important to us when it came time to make tradeoffs, listened to what we were saying and then guided us to properties that met those criteria - as opposed to steering us toward properties that you might have had a personal preference for, and most importantly behaved in a way that was totally professional, with high personal integrity, and had a personal touch that made the overall experience enjoyable.
And lastly, you shepherded us through the offer and closing process - all the way down to making sure we got the keys to the condo.
All of the above are why would we without hestitation refer you to others that might be interested in investing in the Destin area. Michelle has already referred you to her step-mom. And I wouldn't be surprised if some of our friends take an interest after visiting us in Miramar Beach.
_____________________________________________________________
From Dan and Jan -- Thank you for your assistances with the purchase of our Florida house. Dan & I appreciate your thoughtfulness. Sincerely, Jan and Dan
___________________________________________________________
Hi Kelly,
Thank you so much for the information that you have sent thus far.
Your information and email style is both helpful and extremely professional - thank you.
We have a lot of friends and family that we will refer them to you. Hopefully, within the next year and a half, we will be ready for pre-sale opportunities in Florida.
Again, thank you so much for your time, energy and professionalism.
Warmest regards,
Christy and Dave
-----------------------------------------------------------------------------------------------
Dear Kelly, Thanks so much for the terrific write-up and pictures of our lot. We sincerely appreciate your prompt and professional attention and look forward to working with you.
Kind regards, Hal & Julie
I forwarded your name and the work you've been doing for us to our son in Houston, Tx. He has some properties in Panama City Beach (Laguna Beach) that he wants to list before long. So, don't be surprised if you get a call or email from them.
Thanks again,Julie & Hal
__________________________________________________________________
Kelly, I wanted to Thank You for all your help on the purchase of my house. As an out of town owner I had a lot of concerns about inspections, closing, and overall how to do this from another state. You made things happen; were well organized and knew what you were doing. I will certainly recommend you to friends and acquaintances in the future.
CAD
____________________________________________________________ Dear Kelly,
I will be telling all of my friends and family about your extraordinary services. In the meantime, please use me as a reference.
Sincerely,
Susanne Baber
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We would definitely use you as a realtor again and will recommend you to others. You work hard and
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