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Why You Should Determine Your Insurance Rates During the Inspection Period!

Citizens_Insurance_logo_(640x480)_20100706101331_320_240I have seen some jubilant Buyers turn ashen-white when they learn what their insurance premiums are going to be.  In many of those instances the “insurance bomb” is dropped just a few days before closing – when there is no turning back.  This past week I have been working with Buyers whose insurance premium could possibly exceed their property taxes; luckily we are in our ‘inspection period’ and have alternatives!

When Seller or Seller’s realtor tells you they are paying a palatable “X” amount for homeowner’s insurance please take it with a grain of salt!  Your insurance rate has many factors that may not have been considered when your prospective home was last purchased!11

Flood maps have changed, for instance, residences in flood zones beginning with “A” (AE, AH, etc.) are subject to MUCH higher rates beginning October 1st, 2013 (unless Florida State WrightFloodLogolegislature changes that).  Regarding wind-storm insurance ask for your wind-storm insurance quotes based on complete Dade County-approved hurricane protection, and incomplete protection if your prospective home does not have completely “approved” protection. Compare the difference! All of your  property’s openings (windows, skylights, doors, and garage doors) must be protected with County approved materials in order to get the MOST discounted rate (the lowest rate).

Do your homework during the inspection period so you can plan accordingly. Perhaps you can negotiate price (with your Seller or your insurance carrier!), perhaps you can allocate money to make the necessary hurricane protection changes so you receive your best insurance discount a.s.a.p.; no doubt you will make better decisions. 

 To learn more about South Miami, Coral Gables, Coconut Grove, Pinecrest and Palmetto Bay, contact Val Byrne with EWM Realty International or www.MiamiRealEstateWorks.com at email at [email protected] or by phone at 305-323-6231. Val Byrne – Working For You

Join Me At Living Alfresco’s Grand Opening Party This Thursday!

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Betsy Fantis has moved her enchanting outdoor showroom to the former Gardner’s Market space in the heart of South Miami & High Pines.  The ever talented and effervescentlogo “Bets” will celebrate the Grand Opening of Living Alfresco on Thursday, starting at 5pm, and would love you to come! Finally, a storefront suited to South Florida outdoor living (and how convenient that it’s at the crossroads of South Miami, Coral Gables, Coconut Grove and Pinecrest)!

You’ll find everything refreshing from patio furnishings to garden stools to outdoor artistry; in styles befitting the classic, the whimsical, and the elegant.  Betsy will custom design an outdoor paradise for your home, or invigorate your own design with magical splashes of color and wares – either way she will exceed your expectations!

Thinking About Remodeling? Houzz This!

houzz-logoWith the tremendous upswing in the housing market and decline in inventory Buyers are purchasing properties that need more renovating than they were prepared for!  I’ve sold several homes in South Miami, Pinecrest, and Coconut Grove recently and my Buyers have the heebee geebees about updating bathrooms, remodeling kitchens, and adding swimming pools.

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I’m updating a bathroom in my South Miami home right now, and it is overwhelming and ginormously time consuming. Do you know how many different tiles are out there?  And there are as many stores selling them as there are exits on the Palmetto Expressway.  Last week I re-directed myself to the Design District but found myself completely distracted (and hungry).

Enter HOUZZ (houzz.com), perhaps the greatest design and decorating tool on the internet (and extremely easy to navigate).  Volumes and volumes of stunning pictures of every room and space imaginable are a click away;  with virtually every design element found in that space at your fingertips; and a ‘go to’ on where to buy it.

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Houzz is turning heads in the real estate community too.  I have it downloaded on my iPad so when I am showing a home or condo to Buyers who need help visualizing the home’s or a room’s potential, or just need new landscape and garden ideas, I whip out “the magic wand”.  I love it.

To learn more about South Miami or any other community – including Coral Gables, Coconut Grove, Pinecrest and Palmetto Bay, contact Val Byrne with EWM Realty International on www.MiamiRealEstateWorks.com or email at [email protected] or by phone at 305-323-6231. Val Byrne – Working For You! – See more at: http://miamirealestateworks.com/category/south-miami/#sthash.1TkyzSjU.dpuf

Don’t Forget To Vote Tomorrow! The “Grove Bay” Proposal Is On The Ballot!

Harbour-Restaurant-2In a nutshell, the “Grove Bay” Proposal (aka The Harbour in Historical Coconut Grove) will sweep away the Chart House, Scotty’s Landing, and the Coconut Grove Exhibition Center.  In that vast space will be a Shula’s Steakhouse, an unnamed Peruvian restaurant, and an unnamed “open air” restaurant.  The developers (Grove Bay Investment Group) will consolidate the outdoor boat facilities, renovate the existing indoor boat storage (the original Pan Am hangars), and add a marine store. They will also create a 17-acre public park, and a 3-story parking garage with ground floor retail shops. And PS, the developers are spending $18mil in private money.Descriptive-Plan

I’m torn! As it stands today that entire stretch of land along South Bayshore Drive (with its unsightly structures) completely blocks our view of beautiful Biscayne Bay. The food at Scotty’s Landing is barely edible, the staff pretty edgy, and to get there you have to walk through boat oil and tar; the Charthouse is as passé as its salad bar.

Three new restaurants sounds great to me (I love Shula’s in South Miami), and I think a 17-acre “centerpiece” park is absolutely wonderful. I can almost be convinced that the 3-story city parking garage is okay – if it is indeed narrow and far back from the waterfront as proposed (and the developers are contributing $5mil for that). Now, in order for it to be far back from the waterfront it would have to be closer South Bayshore Drive, right? And the parking garage plans include 40,000 square feet of ground floor retail shops, so now we have retail stores along one South Florida’s most picturesque streets? The retail stores are the wrench for me – not sure I can vote for that.Harbour-Restaurant

To learn more about Coconut Grove or any other community – including Coral Gables, South Miami, Pinecrest and Palmetto Bay, contact Val Byrne with EWM Realty International on www.MiamiRealEstateWorks.com or email at [email protected] or by phone at 305-323-6231. Val Byrne – Working For You!

Just Sold by Valaree Byrne in Coconut Grove! Yacht Harbour Unit 15C/D

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List Price: $1,300,000

http://bit.ly/1hnJ6UG

The view from S. Bayshore Drive in Coconut Grove, looking out over Biscayne Bay and “Sailboat Bay”,  is priceless. The value is so high you cannot give it a dollar figure! Whether seen from Yacht Harbour, The Mutiny, The Grovenor House, Grove Towers, Grove Hill Tower, or the spectacular and forthcoming Grove at Grand Bay towers, it is inspirational, it is therapeutic, it is spiritual, and it is priceless.  Congratulations to some very special Buyers!

To learn more about real estate in Coconut Grove or any other community – including Coral Gables, South Miami, Pinecrest and Palmetto Bay, contact Val Byrne with EWM Realty International on www.MiamiRealEstateWorks.com or email at [email protected] or by phone at 305-323-6231. Val Byrne – Working For You!

Just Sold by Valaree Byrne in Coconut Grove! 3592 Main Highway

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List Price: $671,000

http://bit.ly/1d7SFEu

 

To learn more about Coconut Grove or any other community – including Coral Gables, Palmetto Bay, Pinecrest and South Miami, contact Val Byrne with EWM Realty International on www.MiamiRealEstateWorks.com or email at [email protected] or by phone at 305-323-6231. Val Byrne – Working For You!

Just Sold in Coconut Grove by Valaree Byrne! 3080 Center Street

beautiful-freestanding-villa-with-patio-courtyard-and-garden-p690104

List Price: $465,000

www.3080Center.com

To learn more about Coconut Grove or any other community – including Coral Gables, Palmetto Bay, Pinecrest and South Miami, contact Val Byrne with EWM Realty International on www.MiamiRealEstateWorks.com or email at [email protected] or by phone at 305-323-6231. Val Byrne – Working For You!

Will You Vote For The “Grove Bay” Proposal On November 5th?

Harbour-Restaurant-2In a nutshell, the “Grove Bay” Proposal (aka The Harbour in Historical Coconut Grove) will sweep away the Chart House, Scotty’s Landing, and the Coconut Grove Exhibition Center.  In that vast space will be a Shula’s Steakhouse, an unnamed Peruvian restaurant, and an unnamed “open air” restaurant.  The developers (Grove Bay Investment Group) will consolidate the outdoor boat facilities, renovate the existing indoor boat storage (the original Pan Am hangars), and add a marine store. They will also create a 17-acre public park, and a 3-story parking garage with ground floor retail shops. And PS, the developers are spending $18mil in private money.Descriptive-Plan

I’m torn! As it stands today that entire stretch of land along South Bayshore Drive (with its unsightly structures) completely blocks our view of beautiful Biscayne Bay. The food at Scotty’s Landing is barely edible, the staff pretty edgy, and to get there you have to walk through boat oil and tar; the Charthouse is as passé as its salad bar.

Three new restaurants sounds great to me (I love Shula’s in South Miami), and I think a 17-acre “centerpiece” park is absolutely wonderful. I can almost be convinced that the 3-story city parking garage is okay – if it is indeed narrow and far back from the waterfront as proposed (and the developers are contributing $5mil for that). Now, in order for it to be far back from the waterfront it would have to be closer South Bayshore Drive, right? And the parking garage plans include 40,000 square feet of ground floor retail shops, so now we have retail stores along one South Florida’s most picturesque streets? The retail stores are the wrench for me – not sure I can vote for that.Harbour-Restaurant

To learn more about Coconut Grove or any other community – including Coral Gables, South Miami, Pinecrest and Palmetto Bay, contact Val Byrne with EWM Realty International on www.MiamiRealEstateWorks.com or email at [email protected] or by phone at 305-323-6231. Val Byrne – Working For You!

Do You Know The 6 Real Estate Pitfalls?

 Fox News had an article last week that every Seller or soon-to-be Seller should read.  Adam Verwymeren lists 6 pitfalls which will hinder a sale, and I ditto them!!!

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South Miami – Sales Price vs. List Price
($400,000-$1.249,000)

1.  The Price Isn’t Right

We are not seeing a lot of over-priced properties in South Miami/High Pines, the Ponce Estates corridor, Coconut Grove, Coral Gables, Pinecrest, and Palmetto Bay, in fact, in many cases Sales Prices and List Prices are nearly the same (with Sale Price often exceeding List Price). You can bet a nickel though that for every long-standing “For Sale” sign there is an over-priced property.

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Coral Gables – Sales Price vs. List Price
($500,000-$1,249,000)

2. The Ghost of Past DIY Jobs

Save complicated jobs for the professionals, and pull permits if you need too!! If you must Do It Yourself, read up beforehand!  Also, You Tube has a video on how to do just about anything!

3. Sticking Around For A Showing

Or worse, sticking around for an Open House. If you have chosen the ‘right’ real estate agent, they will KNOW YOUR HOME and HOW TO SELL IT,

4. Picking The Wrong Agent

Your real estate agent should know Your Market, Your Neighborhood, Your House, and how to Sell it! 

5. Overdoing It

I am not 100% in agreement with the Fox thoughts and comments on this one. Every Buyer likes updates and renovations, but yes, it is expensive and not always rewarding for a Seller.  A well-versed realtor will help Seller decide which ‘projects’ will yield a $$$ return, and the best way to spearhead them.

6. Putting On The Finishing Touches

Curb Appeal, Curb Appeal, Curb Appeal.  I can’t stress enough how important those first impressions are.  Fresh paint, clear (and clean) driveways and walkways, lushly manicured landscapes, clean windows, and a nice front door that will welcome all.

To learn more about South Miami or any other community – including Coral Gables, Coconut Grove, Pinecrest and Palmetto Bay, contact Val Byrne with EWM Realty International on www.MiamiRealEstateWorks.com or email at [email protected] or by phone at 305-323-6231. Val Byrne – Working For You!

Recently Listed By Val Byrne in Coconut Grove! 3080 Center Street

beautiful-freestanding-villa-with-patio-courtyard-and-garden-p690104

Property Details:

              •  2 Bedroom/2.5 Baths + Cozy Office
              • 1,530 Adjusted Square Feet
              • 2,428 Square Foot Lot
              • List Price $465,000
              • www.3080Center.com

To learn more about Coconut Grove or any other community – including Coral Gables, South Miami, Pinecrest and Palmetto Bay, contact Val Byrne with EWM Realty International on www.MiamiRealEstateWorks.com or email at [email protected] or by phone at 305-323-6231. Val Byrne – Working For You!