Tax season. Just the words can send shivers down your spine. But if you’re a homeowner, there’s a silver lining: potential savings!

You’ve probably heard that you can deduct the interest you pay on your mortgage — but did you know there are many other ways homeowners can reduce their tax burden?

Before you start your return, read this post for common home-related tax deductions, eligibility requirements, and tips on how to maximize your savings.

Home-Related Tax Savings: The Basics

Before we get into the details, it’s important to define some important terms to set the stage.

Tax Deductions vs. Tax Credits

Most tax savings opportunities for homeowners come in the form of tax deductions. Deductions work by reducing your taxable income — essentially, the government allows you to subtract certain expenses from your total income before calculating how much you owe in taxes. This means a lower taxable income and, ultimately, a lower tax bill. For example, if you earn $50,000 and claim tax deductions worth $5,000, you will only pay taxes on $45,000.

Tax credits, on the other hand, directly reduce your tax bill, rather than your taxable income. That means that if you owe $10,000 in taxes and claim a tax credit worth $2,000, your tax bill will be reduced to $8,000.

Pro Tip: Meticulous record-keeping is crucial. Keep detailed records of all potentially eligible expenses. This will make tax time much smoother and ensure you don’t miss out on any deductions.

Itemized Deductions vs. Standard Deduction

To understand what deductions apply to your situation, it’s important to know the difference between itemized deductions and the standard deduction. The standard deduction is a fixed dollar amount that you can subtract from your adjusted gross income (AGI) regardless of your actual expenses. Itemized deductions, on the other hand, are specific expenses that you can deduct, such as mortgage interest, property taxes, and charitable contributions.

You’ll need to choose whether to itemize or take the standard deduction. Generally, you should itemize if your total itemized deductions exceed the standard deduction. Most home-related deductions are only applicable if you choose to itemize.

2025 Standard Deduction Amounts

• Single and Married Filing Separately: $15,000

• Head of Household: $22,500

• Married Filing Jointly: $30,000¹

Source: IRS

Key Home-Related Tax Deductions and Credits

If you do choose to itemize your taxes, common tax deductions and credits available to homeowners include:

Mortgage Interest Deduction

No one likes to pay mortgage interest, but the good news is that you can deduct interest used to buy or build your primary residence or a second home. However, there are certain limitations that you need to be aware of.²

Mortgage size: If you file your taxes single or married filing jointly, you can deduct interest paid on the first $750,000 of mortgage debt³ for your primary residence or second home. If you are married but choose to file separately, that limit drops to the first $375,000 (for each partner).

Requirements:

• The mortgage interest deduction only applies if your home is collateral for the loan (which is standard).

• To qualify as a primary home, your property must have sleeping, cooking, and toilet facilities.

• If you are deducting mortgage interest on a second home, you don’t need to use the home during the year; however, if you rent it out, you must spend at least 14 days or more than 10% of the days you rented it out (whichever is longer).

So, how do you calculate how much mortgage interest you’ve paid?

The amount of interest you pay each year will vary, even if your interest rate is fixed — that’s because mortgage amortization³ means that you pay more interest earlier in the mortgage’s term, and more principal closer to the end. Each year, your lender will send you (and the IRS) a copy of Form 1098, which shows how much you paid in interest.⁴

For example, let’s say you are a married homeowner filing jointly with a mortgage for $400,000. If your Form 1098 shows that you paid $25,000 in mortgage interest in 2025, you could deduct the full $25,000 from your 2025 household income.

Real Estate Taxes (Property Taxes)

You can deduct state and local real estate taxes (property taxes) you pay on your primary residence or second home. However, it’s crucial to understand what qualifies. Only property taxes imposed for “general public welfare” are deductible⁵—if your town imposes a special assessment for a project that directly improves your property value, like a sewer line, that is not deductible. Furthermore, fees for local services, such as trash collection or sewer maintenance, are not deductible, even though your town may list them on the same bill as your property taxes.

There’s also a limit: the 2017 Tax Cuts and Jobs Act imposed a $10,000 cap on the total amount of state and local taxes (SALT)⁶ you can deduct. This includes state and local income tax (or sales tax) as well as property taxes.

Finally, be aware that the amount you deduct must match the amount actually paid to the tax authority.⁷ This might differ from what you put into escrow if you pay property taxes through your mortgage lender. Typically, the amount your lender paid to your tax authority is listed on Form 1098.

Home Equity Loan Interest

You can deduct the interest paid on home equity loans or home equity lines of credit, but with a significant caveat. Since 2017, that interest is only deductible if the loan proceeds are used to buy, build, or substantially improve³ your primary residence or second home, and the loan is secured by the home.

If you use the home equity loan for other purposes, such as a vacation, debt consolidation, or purchasing a car, the interest is generally not deductible. If you use part of the loan or line of credit for eligible purchases, and part for non-eligible purchases, only interest incurred on the portion used for eligible spending is deductible.

Loan interest is also not deductible if the funds are used for home improvement projects or repairs that do not “substantially improve” your home. Smaller projects, like repainting or new cabinets, likely do not qualify. However, projects like building an addition, a full kitchen remodel, or installing a new roof should qualify as substantial improvements.⁸

It’s also important to note that home equity loan and HELOC interest rate deductions are subject to the same upper limits³ as mortgages (and are added together with your mortgage for calculation purposes). For example, if you have a $500,000 mortgage and a $300,000 home equity line of credit—which together exceed the $750,000 limit for a married couple—you would only be able to deduct interest paid on the first $750,000 of those combined loans.

Home Improvement Expenses

You can’t usually deduct home improvement expenses directly.⁹ However, the money you spend on capital improvements (improvements that increase your home’s value) can help reduce your tax bill later. These expenses are added to your home’s “cost basis,”¹⁰ which reduces your capital gains tax when you eventually sell the house. Think of it this way: by keeping records of your home improvements, you’re essentially increasing the “price” you’re considered to have paid for your home, thus lowering your profit when you sell.

It’s important to note that not all projects qualify as capital improvement. Basic repairs and updates likely won’t qualify, while major additions and landscaping likely will (the considerations are the same as those used to determine whether home equity loan interest is deductible).

Beyond capital improvement, there are a few specific categories of home improvement that are deductible, including work on home offices (which is subject to specific limitations) and certain modifications for medical/accessibility reasons.¹¹

Energy-Efficient and Clean Energy Tax Credits

Certain energy-efficient home improvements can qualify you for valuable tax credits. Unlike deductions, which reduce your taxable income, tax credits directly reduce your tax bill, making them even more beneficial.

For qualifying energy efficiency expenses in the 2024 tax year¹², homeowners can claim up to 30% of qualified expenses on their federal tax return, with a maximum credit of $3,200.¹³ However, some qualifying expenses, like new exterior doors and windows, come with their own maximum credit limits, so it’s essential to check the specific rules.

Another option is the Residential Clean Energy Tax Credit, which offers a 30% credit for the cost of installing renewable energy systems, such as solar panels, on your primary residence or a second home that you use part-time and don’t rent out.¹³ Many states also offer their own tax deductions, rebates, or credits related to energy efficiency and clean energy, so be sure to investigate what’s available in your state.

Selling Your Home and Taxes

When you sell your home, the difference between the selling price and what you originally paid for it (plus any major improvements) is called your capital gain. Think of it as your profit from the sale. Let’s walk through a simple example:

Imagine you bought your home for $200,000. Over the years, you invested in some significant upgrades, like a kitchen remodel ($30,000), a new roof ($15,000), and landscaping ($5,000). These are called “capital improvements,” and they increase your home’s “cost basis”—essentially, what the IRS considers you to have invested in the property. In this case, your adjusted cost basis would be $250,000 ($200,000 original price + $50,000 improvements).

Now, let’s say you sell your home for $350,000. Your capital gain would be $100,000 ($350,000 selling price – $250,000 adjusted cost basis).

Capital Gains Exclusion

The good news is that the IRS allows you to exclude a significant portion of your capital gain from taxation!¹⁴ If you’re single, you can exclude up to $250,000, and if you’re married filing jointly, you can exclude up to $500,000. To qualify for this exclusion, you need to have owned and used the home as your primary residence for at least two out of the five years before the sale. This is a key factor to consider when deciding how long you plan to live in a home.

Essentially, this exclusion means that, in many cases, homeowners won’t owe any capital gains tax when they sell their primary residence. It’s a valuable tax benefit that can significantly impact your finances. Keep good records of your purchase price and any capital improvements you make to ensure you can accurately calculate your capital gain and take full advantage of the exclusion when you sell.

Record-Keeping Tips for Homeowners

Organized records are essential for taking advantage of tax deductions and credits. Keep all relevant documents, such as mortgage statements, property tax bills, and receipts for home improvements, readily accessible.¹⁵ It’s wise to keep both physical and digital copies (scan and save everything!). Store physical copies securely, perhaps in a safe deposit box. Keep all home-related records for as long as you own the home, plus at least three years after you file your tax returns for the year of the sale.

Conclusion

Homeownership offers numerous opportunities to save on taxes. From mortgage interest and property taxes to energy-efficient upgrades and capital gains exclusions, understanding these deductions and credits can significantly reduce your tax burden. Remember, this information is for general guidance only. Consulting with a qualified tax professional is invaluable for personalized advice.

Have questions about real estate or need a referral to a trusted tax advisor? Contact us today!

Note: This information is accurate as of February 2025 and is intended for general guidance only. Tax regulations are subject to change.

Sources:

1. IRS – https://www.irs.gov/newsroom/irs-releases-tax-inflation-adjustments-for-tax-year-2025

2. Nerdwallet – https://www.nerdwallet.com/article/taxes/mortgage-interest-rate-deduction

3. IRS – https://www.irs.gov/forms-pubs/about-publication-936

4. IRS – https://www.irs.gov/forms-pubs/about-form-1098

5. IRS – https://www.irs.gov/faqs/itemized-deductions-standard-deduction/real-estate-taxes-mortgage-interest-points-other-property-expenses/real-estate-taxes-mortgage-interest-points-other-property-expenses-5#:~:text=The%20total%20deduction%20allowed%20for,taxes%20or%20sales%20taxes)%20is

6. IRS – https://www.irs.gov/taxtopics/tc503#:~:text=Overall%20limit,your%20other%20itemized%20deductions%20also.

7. TurboTax – https://turbotax.intuit.com/tax-tips/home-ownership/claiming-property-taxes-on-your-tax-return/L6cSL1QoB

8. Bankrate – https://www.bankrate.com/home-equity/home-equity-loan-tax-changes/#how-to-claim

9. USNews – https://realestate.usnews.com/real-estate/articles/are-home-improvements-tax-deductible

10. IRS – https://www.irs.gov/publications/p523

11. NOLO – https://www.nolo.com/legal-encyclopedia/what-home-improvements-tax-deductible.html

12. USNews – https://money.usnews.com/money/personal-finance/articles/how-consumers-can-save-with-the-new-climate-tax-breaks

13. IRS – https://www.irs.gov/credits-deductions/energy-efficient-home-improvement-credit

14. Bankrate – https://www.bankrate.com/real-estate/capital-gains-tax-on-real-estate/#avoiding-during-home-sale

15. NOLO – https://www.nolo.com/legal-encyclopedia/tax-reasons-keep-good-records-home-improvements.html

Ask any homeowner about what they would like to change about their home, and most will say, “How much time do you have?

Home improvements (cue Tim Allen) or home remodeling projects can stem from a variety of motivations, like preparing your home to put on the market, adding space for a growing family, addressing outdated features or aesthetics, or fixing structural/functional issues with the home.

However, when it comes to home remodeling projects, too many people assume their project will proportionally increase the value of their home. Few actually consider the complete scope of return on investment (ROI), taking into account not only potential impact on resale value but also the total costs of time, labor, and materials. Some renovations may provide more “quality of life” ROI by improving comfort and aesthetics without significantly impacting resale value, while others can deliver notable financial returns.

Whether you’re looking to upgrade your living space, increase the equity of your home, or trying to make some quick changes to improve your resale price, here are four remodeling projects with the highest ROI and some tips on how to get them done.

Top 4 Home Remodeling Projects with the Highest ROI

 Before diving into specific projects, it’s important to understand how the data supporting these ROI estimates was gathered. This article references findings from the 2024 Cost vs. Value Report conducted by Zonda Media, a reputable research firm in the real estate and construction industries. The report’s ROI figures are based on national averages for both the cost of materials and labor, which means that regional differences may lead to variations in actual returns.

1. Garage Door Replacement

• Job Cost: $4,513
• Resale Value: $8,751
• ROI:9%

Replacing an old garage door is one of the simplest ways to dramatically boost your home’s curb appeal—and it happens to deliver the highest ROI of any remodeling project. The impact is largely due to the prominent visual space a garage door occupies on a home’s exterior. A sleek, modern garage door can make your entire facade look fresher and more attractive to buyers.

Garage doors with the highest ROI include insulated steel doors with modern paneling, custom carriage-style doors, and those featuring windows or decorative hardware. These options not only enhance the home’s exterior aesthetics but also improve functionality and energy efficiency.

2. Steel Entry Door Replacement

• Job Cost: $2,355
• Resale Value: $4,430
• ROI:1%

Upgrading to a steel entry door is a simple yet impactful change that can drastically improve both the look and energy efficiency of your home. Steel doors cost less than wood ones, giving you a cost effective way to make a big impact on the curb appeal of a home, without sacrificing performance, life span, or durability.

Why It Works:

• Cost-Effective Curb Appeal: Steel doors are less expensive than wood but provide a similar aesthetic boost. This makes them a budget-friendly way to enhance a home’s exterior.
• Energy Efficiency: Many steel doors come with insulating cores, which can help keep your home comfortable year-round and lower energy bills.
• Increased Security: Steel doors are harder to break into, providing an added layer of safety that appeals to security-conscious buyers.

3. Manufactured Stone Veneer

• Job Cost: $11,287
• Resale Value: $17,291
• ROI:2%

Manufactured stone veneer (MSV) is a high-ROI project because it delivers a striking visual upgrade at a relatively moderate cost. MSV is an artificial cladding material designed to mimic the look of natural stone, making it a cost-effective way to add texture and sophistication to your home’s exterior.

Why It Works:

• Strong Visual Impact: Stone veneers add depth and elegance, creating an upscale appearance that can significantly boost curb appeal.
• Durability and Low Maintenance: Unlike natural stone, MSV is lightweight, easier to install, and resistant to wear and tear.
• Perceived Value: Even though it’s a faux material, MSV adds an air of luxury and craftsmanship that can make your home more appealing to buyers.

Pro Tip: Use manufactured stone veneer to accentuate specific areas, such as around the entryway or along the lower portion of the facade, for maximum visual impact without overspending.

4. Minor Kitchen Remodel (Midrange)

Job Cost: $27,492

• Resale Value: $26,406
• ROI:1%

According to Homelight’s “Top Agent Insights End of Year 2024 Report”, “88% of agents say that upgraded kitchens and appliances are one of the best selling points for homes”–a significant increase from the previous year. https://homelightblog.wpengine.com/wp-content/uploads/2024/12/homelight-top-agent-insights-end-of-year-2024-report.pdf

The trick to ROI with a kitchen remodel is the budget, and how you decide to balance what to upgrade, the quality of materials, and how much to work within the existing layout. For example, you can make a big impact with less expense if you keep your current cabinet boxes but upgrade the doors and hardware. However, if you strike that balance, you can recoup much of your investment. If you’re looking to sell, an updated kitchen will appeal to buyers, which can also help your home stand out and sell faster.

Why It Works:

• High Buyer Interest: Kitchens are a focal point for most buyers, so even modest improvements can make a significant impact.
• Affordable Upgrades: By focusing on midrange materials—such as quartz countertops, midrange appliances, and refaced cabinets—you can keep costs manageable while still delivering a fresh look.
• By keeping the existing layout and avoiding costly structural changes, you can modernize your kitchen while keeping costs down.

Key Takeaways for Homeowners

7 out of the 10 best ROI projects all have to do with improvements to the exterior of your home, which makes one thing very clear: Boosting the curb appeal of your home in a cost-effective manner will give you the best ROI if you’re thinking about selling this year.

If you look at the current housing market, you can start to see why that is. In the post-pandemic frenzy, buyers had to accept whatever they could find. However, housing inventory has increased over the last couple of years, giving buyers more options. Additionally, due to high-interest rates and affordability issues, the current market favors older, move-up home buyers who are sitting on equity, and these buyers can afford to be pickier about the home they buy.

You can see these trends play out in the “Top Agent Insights End of Year 2024 Report” conducted by HomeLight:

Given these trends, it’s no wonder that the remodeling projects with the best ROI are those that make the home stand out from other homes in the area and leave a strong impression with potential buyers.

Conversely, the projects with the lowest ROI involve major remodels or upscale materials. Anytime you alter the footprint of a home—such as by moving walls or adding square footage—you’ll incur higher costs and lower returns. Unless you’re a general contractor or a skilled DIYer, these high-end renovations typically aren’t worth it from a purely financial perspective. The one caveat is if you’re in a market where high-end appliances and materials are the rule not the exception.

How to Get Started on a Remodeling Project

Starting a remodeling project can feel overwhelming. Here’s how to set yourself up for success:

1. Outline Your Project Goals
   Before you dive into the nitty-gritty of remodeling, take a step back and clarify what you hope to achieve.

   Are you remodeling to improve aesthetics? To improve functionality or comfort for your family? To prepare your home for the market or boost your resale value? Is it an essential repair? After you decide on why you’re doing it, you can take a step back and decide what is worth the cost to you.

2. Get inspired: Take time to gather ideas and give shape to your vision. Whether you’re updating a single room or tackling a whole-house remodel, these resources can inspire you:

• Houzz – A go-to platform for home remodeling ideas, complete with photos, product links, and even local contractor recommendations.
• Pinterest – Create mood boards for different rooms by pinning your favorite designs and layouts. You can also add ‘-pinterest’ to Google searches to find more targeted boards and collections of remodeling ideas on Pinterest.
• This Old House – Packed with articles, videos, and guides on home renovation projects, from DIY fixes to large-scale remodels.
• YouTube Channels: Follow popular home renovation YouTubers who share real-life projects, product reviews, and practical tips.
• Visit Local Showrooms: You can visit the showrooms or warehouses from local manufactures for ideas on fixtures, cabinetry, and counter tops.
• Open Houses – Stop by open houses in your area to get a feel for what’s popular and what other homeowners have done.
• Local Remodeling / Contractor Websites: Many will post galleries and before/after images of their renovations, and these galleries can be a goldmine for practical remodeling ideas!

1. Prioritize your wants vs. needs: Once you’ve gathered ideas, it’s time to separate the essentials from the extras.

• Must-Haves: These are the non-negotiable items—structural fixes, code-compliance upgrades, or critical repairs.
• Nice-to-Haves: These are aesthetic choices or features that you’d like to include if your budget allows.A prioritized list will help you make tough decisions if costs start to climb or timelines get tight.

1. Create a scope and timeline: Clearly defining what’s included (and excluded) in your remodel is critical for staying on schedule and within budget.

• What’s Included: Are you only updating finishes and fixtures, or are you changing the layout and moving walls?
• Project Phases: If you’re remodeling multiple areas, consider breaking the project into phases to manage timelines more effectively.
• Expected Timelines: Be realistic about how long the project will take, especially if you’re working around major life events or seasonal weather.

1. Set a realistic budget: Start by researching the typical costs for your specific type of remodeling project in your area. Resources like Remodeling Magazine’s Cost vs. Value Report, HomeAdvisor, and NAHB provide national and regional averages for popular renovations like kitchens, bathrooms, and additions.
2. Include a Contingency Fund: Even with thorough planning, unexpected costs seem to always arise. Many experts recommend setting aside 15% – 30% of your total budget for contingencies.
3. Research contractors & Get Multiple Quotes: If you’re hiring contractors, request at least three detailed quotes to compare prices and scope of work. Make sure to clarify what’s included in each quote to avoid misunderstandings. And use your checklist below for some tips on hiring a contractor!

Checklist for Hiring a Contractor

Finding the right contractor is crucial for a successful remodeling project. Here’s a quick checklist to help you hire the right professional:

• Get recommendations from friends, family, neighbors, and your real estate agent. Word of mouth is one of the most reliable ways to find a trusted contractor. Ask people you trust about their experiences and if they would hire the contractor again. After you have a recommendation, you can also search for reviews online.
• Check credentials, licensing, and insurance. Verify that the contractor is licensed to work in your state. Most states have an online database for checking contractor licenses. You can also look for contractors certified by reputable organizations, such as the National Association of the Remodeling Industry (NARI).
• Review past projects and ask for client references. Ask to see a portfolio of previous projects similar to yours. Pay attention to the quality of work and whether their style aligns with your vision.
• Request detailed bids from multiple contractors. Ask for written estimates that break down costs into categories such as labor, materials, permits, and any additional fees. Compare bids carefully to ensure all contractors are quoting on the same scope of work.
• Ensure the contract includes a clear scope of work, timeline, and payment terms.
• Check references – A reputable contractor should have no issue providing references. Contact past clients and ask about their experience.
• Avoid red flags
  • Unusually Low Bids: If a bid is significantly lower than others, it could indicate corner-cutting or hidden costs.
  • Pressure to Pay Upfront: A small deposit is normal, but never pay the full amount before work begins.
  • Lack of Written Contract: Never agree to verbal agreements only.
  • Poor Communication: If a contractor is difficult to reach or dismissive during the bidding process, this may continue during the project.

Conclusion

Whether you’re updating your home to sell or simply want to enjoy a more modern space, focusing on high-ROI projects is a smart strategy. From replacing your garage door to enhancing your home’s exterior with stone veneer, these upgrades can boost both your home’s value and appeal.

Curious about what features are popular in your neighborhood? Thinking of moving and wondering what remodeling projects, if any, you should do before listing? Want recommendations on contractors? I’m happy to help!

A recent survey found that more than half (52%) of American homeowners have a renovation project planned this year.1 If you’re among them, you know that embarking on home improvements can be both exciting and daunting. According to the survey, the median renovation budget is around $15,000, so you’re probably investing a significant amount—and you’ll want to ensure your project’s success.¹

One of the most critical decisions you’ll make is choosing the right contractor to bring your vision to life. However, many homeowners fall into common pitfalls during this process, leading to stress, financial strain, and subpar results.

In this guide, we’ll explore seven mistakes to avoid when hiring a contractor to ensure your project runs smoothly from start to finish.

1. SKIPPING THE RESEARCH PHASE

A common mistake homeowners make is rushing into hiring a contractor without proper research. But to ensure the success of your renovation, it’s crucial to take time to meet with multiple candidates and educate yourself on best practices surrounding your project.

If you bypass the interview process, you miss the opportunity to evaluate different approaches, pricing, and expertise. This can result in overpaying or hiring someone whose skills and vision do not align with your needs.

Neglecting to research the processes and steps involved can also leave you vulnerable. Not only does it make it more difficult to ask the right questions, but you also risk hiring unqualified professionals or settling for subpar work.

What To Do Instead:

Educate Yourself — Read up or watch YouTube videos to gain a better understanding of best practices surrounding your project.

Interview Multiple Contractors — Search for and interview at least three contractors who specialize in the type of work you need.

Ask Specific Questions — Inquire about the processes and materials each candidate will utilize.

Seek Recommendations — Get referrals from trusted sources like friends, neighbors, and real estate professionals. We’d be happy to share a list of referrals!

2. CHOOSING BASED SOLELY ON PRICE

Once you’ve interviewed candidates and reviewed their proposals, it’s time to choose your favorite. But don’t make the mistake of rushing to the lowest bid.

While it’s natural to want to save money, selecting a contractor based entirely on price can be a costly mistake. Extremely low bids may indicate cut corners, subpar materials, or hidden costs that will surface later.

According to the National Association of the Remodeling Industry, when evaluating bids, make sure you’re comparing “apples” to “apples” and considering factors like quality, timeline, and scope.² Are they fully licensed and insured? How long have they been in business? Do they warranty their work?

What To Do Instead:

 Consider Overall Value — In addition to price, look at experience, reputation, and quality of work.

Ask for Detailed Breakdowns — Understand what’s included and what’s not in each bid.

Be Wary of Low Bids – Bids that are significantly lower than others may be too good to be true.

Invest in Quality — Remember that quality work comes at a fair price, and investing in a reputable contractor can save you money in the long run by avoiding costly mistakes or repairs.

3. NEGLECTING TO CONFIRM CREDENTIALS & INSURANCE

When you’ve established a good rapport with a contractor, it’s natural to want to believe the best in them. But neglecting to check references and verify licensing and insurance could come back to haunt you.³

Hiring an untrained or unlicensed contractor puts you at risk for safety and code violations, not to mention shoddy workmanship. Without proper insurance, you could be left footing the bill for costly repairs, legal issues, or even medical bills if someone gets hurt on the job.⁴

Skipping out on a reference check can be equally problematic. It’s your best opportunity to ensure that their promises and your expectations line up with reality.

What To Do Instead:

Verify Licensing and Insurance — Confirm that the contractor is licensed according to local requirements and verify insurance, including general liability and workers’ compensation coverage.

Check Reviews — Read online reviews and confirm that the business is in good standing with the Better Business Bureau and other relevant trade groups.

Call References — When contacting references, ask questions and request to see photos of the contractor’s completed projects.

Visit Job Sites — If possible, visit a current job site to observe the contractor’s work in progress and interaction with clients.

4. PROCEEDING WITHOUT A WRITTEN AGREEMENT

A handshake deal might seem friendly and straightforward, but it’s a recipe for misunderstandings and potential legal issues. Verbal agreements are difficult to enforce and leave room for miscommunication about project scope, timelines, and costs.⁵

Instead, you should have a signed contract in place before any work begins.3 Paperwork can be tedious, but don’t skip the important step of carefully reading over your contract, asking questions, and pushing back on any terms that make you uncomfortable.

Don’t forget to ask for payment receipts and document any change orders or issues that arise throughout the project, as well.

What To Do instead:

 Insist on a Written Contract — Outline all aspects, including scope, materials, timeline, payment schedule, warranty information, and a process for handling change orders.

Understand and Agree — Don’t sign anything until you fully understand and agree to all terms.

Keep Documentation — Once you’ve made your final payment, request a lien waiver or receipt marked “Paid in Full” to keep on file for legal and tax purposes.⁶

5. PAYING TOO MUCH UPFRONT

Another common misstep is paying a large sum upfront or the full cost of the project before the work is completed. This can leave you vulnerable if the contractor fails to complete the work or disappears with your money.

According to the home services platform Angi, deposits typically range between 10% and 33% of the total project cost.⁷ The remaining payments should be tied to progress milestones outlined in your contract.

Construction attorneys caution against paying a greater share of the project cost than the percentage of the work that’s been completed.³ If you end up dissatisfied with the outcome, you’ll have much less leverage if you’ve already paid.

What To Do Instead:

Be Cautious — Avoid contractors who demand large upfront payments or cash-only deals.

Establish a Payment Schedule — Tie payments to project milestones and stick to them.

Pay Only Upon Completion — Never pay in full until the project is completed to your satisfaction and all required inspections have been passed.

6. FAILING TO GET NECESSARY PERMITS

Skipping the permit process might seem like a way to save time and money, but it can lead to serious consequences. Without the proper permits, you risk running afoul of local building codes and regulations, which could result in fines, forced removal of work, or even legal action.8

Additionally, unpermitted work might compromise the safety and structural integrity of your home, potentially leading to hazardous conditions or diminished resale potential. Homeowners may also find themselves without recourse if issues arise later, as insurance companies often exclude coverage for unpermitted renovations.⁸

If your community has a homeowners association (HOA), don’t forget to check their requirements, as well. You may need prior approval to make modifications to your home or yard. HOAs have the power to enforce these restrictions with fines, and they can even put a lien on your home—so don’t skip this important step.⁹

What To Do Instead:

Discuss Permits — Talk about permits and HOA requirements with your contractor before work begins.

Include Permits in the Contract — Ensure that obtaining necessary permits and approvals is part of your contract.

Verify Inspections — Make sure all required inspections are completed during the project.

Keep Records — Keep copies of all permits, HOA approvals, and inspection reports for your records.

7. IGNORING RED FLAGS AFTER THE PROJECT HAS STARTED

Sometimes a contractor can check all the right boxes—until the work begins. Unfortunately, red flags that are spotted mid-project can be especially challenging to address.

If you’ve already paid a substantial amount or had a portion of your home demolished, you may feel trapped in a bad situation. However, if there are major problems that the contractor is unwilling to address, ignoring them can make things exponentially worse.

Don’t be afraid to seek legal or professional advice if issues persist. Taking immediate, informed, and decisive action is crucial to safeguarding your investment and ensuring the project’s ultimate success.¹⁰

What To Do Instead:

Review Your Contract — Make sure you thoroughly understand your rights and the agreed-upon terms.

Document Issues — Keep detailed records, including dates, descriptions of problems, photographs of subpar work or materials, and any communications with the contractor.

Communicate Professionally — Arrange a meeting to discuss your concerns, ensuring you remain calm and professional while clearly expressing your expectations.

Request a Resolution Plan — Ask for a plan to address the issues, set a timeline for resolution, and put everything in writing to ensure you’re both on the same page.

Seek Advice — If the contractor is uncooperative or dismissive, consider seeking advice from a legal professional. You could also contact your local licensing board or consumer protection agency for guidance.

BOTTOMLINE

Hiring the right contractor is crucial to the success of your home improvement project. By avoiding these common mistakes, you can significantly increase your chances of a smooth and successful renovation experience.

Remember, taking the time to thoroughly vet contractors, communicate clearly, and plan carefully will pay off in the long run. Your home is likely your most significant investment, and it deserves the care and attention that comes with making informed, thoughtful decisions about who works on it.

If you’d like help finding a contractor or want to know how planned improvements could impact your home’s resale potential, reach out for a free consultation!

The above references an opinion and is for informational purposes only. It is not intended to be financial, legal, or tax advice. Consult the appropriate professionals for advice regarding your individual needs.

Sources:
1. USA Today –
https://www.usatoday.com/money/homefront/moving/home-renovation-statistics/
2. National Association of the Remodeling Industry –
https://remodelingdoneright.nari.org/Homeowner-Resources/Questions-to-ask/How-to-select-a-remodeler
3. The Washington Post –
https://www.washingtonpost.com/home/2024/07/08/how-to-find-good-honest-contractor/
4. MarketWatch –
https://www.marketwatch.com/guides/insurance-services/home-insurance-during-renovations/
5. LegalZoom –
https://www.legalzoom.com/articles/oral-contracts-do-they-carry-any-weight
6. Better Business Bureau –
https://www.bbb.org/all/home-improvement/your-home-improvement-contract
7. Angi –
https://www.angi.com/articles/how-much-should-i-pay-general-contractor-prior-starting-job.htm
8. Bob Vila –
https://www.bobvila.com/articles/remodel-without-permit/
9. Bankrate –
https://www.bankrate.com/real-estate/hoa-homeowners-association-rules/
10. Angi –
https://www.angi.com/articles/how-complain-contractors-effectively.htm

Dear  Clients, Neighbors, Friends and Associates…

My personal Blog for August, 2024,
“Top 4 Factors to Consider When Choosing Your Mortgage,” 
is now published in WalkerOnTheBeach.com.

As August, 2024,  begins,  Realtors across our country are preparing for implementation of some new rules for our industry arising out of the National Association of Realtors Lawsuit Settlement earlier this year, which is set for final approval by the end of 2024.  Within a few days of this publication our local MLS, Board of Realtors and Florida Realtors will move ahead of the August 17 national deadline to adopt some new forms and enhance certain  practices so we readily adapt to these new rules.

The National Association of Realtors Lawsuit Settlement:  Over many months the media has been full of speculation and often, unfortunately, confusing miss information.   NAR has moved to settle a massive class action lawsuit,  without any admission of guilt,  to the substantial  financial benefit of the attorneys,  not plaintiffs. One might say our real estate trade organization has in effect “raised the bar,” so Realtors can get on with what we do, professionally and fairly serve the public in the sale of residential real estate sales in America. Other “commission” systems in other countries may serve their public as they are designed to do, but  nowhere else in the world does there exist a cooperative real estate system like the one that has evolved in our country since the 1990’s, to encourage cooperation and transparency among agents, to the benefit of  the home owner and the home buyer.  It is likely this upcoming change  is  going to be much more in form than in substance.In any event, change  we experience together now  should be a  positive for our profession and for the  consumer, and promote top level communication.

Here is a link to the National Association of Realtor Settlement Fact Sheet, https://cdn.nar.realtor/sites/default/files/documents/nar-settlement-factsheet-2024-04-24.pdf

IMPLICATIONS FOR HOME BUYERS AND HOME SELLERS:

• Offers of compensation from listing agent/seller to a cooperating broker can no longer be published on MLS .  There will continue to be many ways in which buyer brokers could be compensated, including through offers of compensation communicated off MLS — as we have long believed that it is in the interests of the sellers, buyers, and their brokers to make offers of compensation — but using the MLS to communicate offers of compensation would no longer be an option. • The types of compensation available for buyer brokers would continue to take multiple forms, depending on broker-consumer negotiations, including but not limited to: – Fixed-fee commission paid directly by consumers – Concession from the seller – Portion of the listing broker’s compensation • Compensation would continue to be negotiable.
• This settlement would preserve the choices consumers have regarding real estate services and compensation. • After the new rule goes into effect, listing brokers and sellers could continue to offer compensation for buyer broker services, but such offers could not be communicated via the MLS. • The settlement expressly provides that sellers may communicate seller concessions — such as buyer closing costs — via the MLS provided that such concessions are not conditioned on the use of or payment to a buyer broker. NEW RULE ABOUT WRITTEN AGREEMENTS • NAR has long encouraged its members to use written agreements because they help consumers understand exactly what services and value will be provided, and for how much. • The settlement provides that MLS participants working with buyers must enter into written agreements with those buyers.

Summary:  Offers of compensation from listing agent/seller to a cooperating broker can no longer be published on MLS.  Only offers of concessions from Seller to Buyer can be published on MLS, which are not required to be published,  which field will not be searchable. Further,   MLS participants acting for buyers would be required to enter into written agreements with their buyers before touring a home, even prior to  providing a video tour for an absentee prospective buyer, which agreements will include job description as well as define  the fee to be earned.  These agreements can help consumers understand exactly what services and value will be provided, and for how much. Everybody deserves to get paid for his work, and the media cannot come up with a better solution than has been going on  since the 1990’s.  The truth is,  buyers have paid in the sales price they pay and sellers have  paid in net proceeds.  Essentially that will not change.  Only now the buyer will come to understand what the buyer agent should be doing for him, and how and how much the buyer’s agent is paid, which previously most buyers didn’t even think about.

IMPORTANT TAKE-AWAYS:
Commissions do not determine the  value of a property.
Commissions are not set by law, are not “fixed”, they are a factor of an existing market and services rendered.  Commissions are and have always been negotiable. 
Going forward, the buyer agent commission will potentially be determined in negotiation of the sales price far more noticeably than in the past.

As in every industry, there are and will be discount brokers.  And do not be surprised if more agents come in the door with a menu for ala carte professional services.    For example, at the short end, some brokers charge a fixed fee for simply posting the listing on MLS, leaving the seller to answer the phone, research,  stage, market, advertise effectively and creatively, hold open house, screen and arrange consistent showings, justify the price,  disclose properly, handle inspections/repairs, answer buyer concerns and objections, qualify the buyer financially,  negotiate, solve problems,  and  navigate the complicated steps to close the transaction.  That seller will be very limited in means and manner of exposure and unable to solicit support from professional networks a full service Realtor can offer.

Many of my fellow professionals and competitors can genuinely say the same,   “I love what I do.”    We consult and conference, we  show up with a marketing plan that outlines our services, a plan designed for that property and that individual seller’s goals.  Speaking for myself, I am characteristically unable to stop  at any point in the transaction where  I see there is something else needs done and I can  fix it.  Considering my many years experience and reputation  as a  licensed full time Realtor, it is unlikely any client of mine would suggest I have focused on anything besides  his well-being and success.  Looking back from the date of closing, I also doubt any of my clients, seller or buyer, wish they had committed to pay me an hourly rate.

With every market, and within every market, depending on the property being sold, and consumer needs and motivations,   the seasoned real estate professional and skilled practitioner will be indispensable in guiding sellers, when putting their property on the market for sale and  in considering their best options to implement the most effective tool in their hands for selling their property….incentive.

For a current market snapshot in the PASS-A-GRILLE AREA,
with a 6 month synopsis of Active,
Pending and Sold Properties, click the links below:
Single Family:
Condo:

My personal Blog for January, 2024,  is now published in WalkerOnTheBeach.com,  “Real Estate Market Forecast:  Opportunities for Home Buyers and  Sellers in 2024.”    This is a good read for current market insight.

There may be a unique opportunity right now for buyers, a window in our real estate markets which  especially applies to our established coastal condo communities.

Building  structural integrity is being scrutinized by Florida licensed engineers, structures are being updated and modified, and are, or soon will be, in better condition than they have ever been since many of us have  been old enough to buy one  Their reserve schedules for maintenance and timely, reasonable  replacement, including mechanical, structural, electrical, plumbing and safety elements, is now highly regulated, providing peace of mind going forward for new owners as well as existing owners.   Condo buyers, especially first time condo buyers, have historically  been concerned about the stability of monthly dues assessments and unexpected or pending special assessments.  They should feel far more comfortable now than in the past. 

National surveys say sales prices are not expected to decrease as many buyers hoped.  If interest rates continue retreat, I don’t  believe we should assume  prices will drop.   Inventory remains tight.  But those Sellers who have decided to put their units on the market now are motivated. 

To briefly recap Milestone and SIRS mandated by the State of Florida:  All condos which are 3 floors or higher are required to complete the Milestone study prior to December 31, 2024, or within 180 days of official notice to do so, which analyzes substantial structural ”weakness” or material deterioration, if any.  If repair or replacement is indicated the situation must be addressed within 365 days.  Some communities have arranged to have a engineering firm oversee specific contracting work  prior to scheduling their formal engineer-sealed State on-site inspections.

The SIRS, Structural Integrity  Reserve Study, will be required of all condos in our State no matter the height. It is a reserve planning tool,  to incorporate the integrity of specific components  into budget planning, to be  adopted before 2025.  Any budget after December 2024 must adopt the SIRS and provide full funding for the required components. There is no guess work.

Condo ownership is a huge segment of Florida real estate. It is a signature, highly popular Florida lifestyle choice,  offering shared maintenance expense, which often comes with extensive amenities, preferred by part time owners, by those who travel a lot, by those who down size from a single family home, by busy professionals and retirees alike who need or prefer maintenance- free living.

In my generally eclectic local market, the beaches, especially Pass-a-Grille, two like properties in a given location may not come on the market for years.  This advice has held true, if you find what you want, and you can afford to buy it, get in there and buy it.  In the 36 years I have been involved in the real estate market here, I have not known anyone who was sorry they bought their property here, only those who did not.

Happy 2024!  I humbly thank clients and customers who have given  me their confidence.  It is a responsibility I don’t take lightly.

Joan

p.s. If you would like to read more about the Florida State mandated Milestone and SIRS inspections, please email or text me to send you the primer published by one of our local condo communities.   I also wrote  a couple of articles in my  newsletters last summer regarding the Florida Milestone and SIRS inspections., which are posted on my website www.GulfToGlobalRealEstate.com.  My goal has been to help sellers and buyers alike understand how the new State Condo mandates affect the value of the condo they are selling or want to buy. My sellers are paying all assessments involved, they are presenting their properties in the best shape possible for a new owner.

Real Estate Statistics for November, 2023, as reported by Stellar MLS:

For a current market snapshot in the PASS-A-GRILLE AREA,
with a 6 month synopsis of Active,
Pending and Sold Properties, click the links below:
Single Family:
Condo:

AND SOON IT WILL BE SUMMER…

Dear  Clients, Neighbors, Friends and Associates…

My personal Blog for June 2023 discusses national real estate trends and is now published in WalkerOnTheBeach.com,  “National Real Estate Market Update for 2023.” 

Following the Record Home Prices of last year, headlines across our country touted Higher Mortgage Rates.  But the real story is continued  Low Inventory.  One might imagine increasing mortgage rates could mean fewer buyers, thus significantly more inventory.  But actually,  that has not happened. 

Many buyers  face serious affordability challenges now.   Meanwhile many sellers are holding on to properties which carry a mortgage with historically low rates.  They don’t want to move to another property and pay higher interest rates.  Some are even buying a new home while keeping the old one for investment/rental/future appreciation.   Rather than pay off the old mortgage with a sale, they are keeping the low interest loan in place.  If they have the down payment to afford a new home without selling the old one, they are able,  in a sense, to invest the balance of that low interest mortgage into another property at a low rate.

The momentum of the market has  cooled since last Fall.  Prices  dropped last July through October.  That does not appear to be the case now.  There have been price reductions on active listings, we still see them.   But keep in mind  sales data is lagging 30, even up to 90 days.  Price reductions mean sellers are no longer able to demand exorbitant prices.   But sales data may not tell the full story of what is actually happening in real time.

Economists seem to agree, there is no signal in our markets that  supply is getting ahead of demand.    How any factor affects a market is very often dependent on location.  Some factors can affect one market in a significantly different manner than another market.  Further, there are always  external factors that are not in the general sales data, such as debt ceiling and recession fears, not to mention  fears about escalating insurances along our coast.

In any event, there seems to be a floor on prices now, even if there is no substantial upward pressure.

Perhaps one concept to embrace:  the market is never as bad as people think, and the market never gets as good as people think.

In any event, extremes are always seeds of opportunity.   As a seasoned local market expert, I am here to guide you.

Joan

PINELLAS COUNTY MONTHLY STATISTICS

SOLD in June
F205, Osprey Pointe at the unique Dolphin Cay gated community and preserve across from Eckerd College.  Private, third level unit,  direct-west-facing open waterfront, 2/2, 1653 SF plus private terrace and garage parking space. All updated with open great room, elegant travertine flooring throughout.   $840k.

Click picture for video.  Click here for a Google Earth view of the property.

For a current market snapshot in the PASS-A-GRILLE AREA,
with a 6 month synopsis of Active,
Pending and Sold Properties, click the links below:

Single Family:

Condo:

Last month I first told my readers about  360-180, a new and efficient  concept in documenting what you own for the insurance adjuster, in the event of a natural disaster, such as hurricane, or fire, or for moving or remodeling projects. Protect your investment! 

I have no affiliation with this business.  But the owner Timothy Krafcik, has been my Tech Association for over 30 years.  I encourage my readers to Take Advantage of the introductory   price of $99 offered until July 1.

See more information below.

**************************************************************************************************************************

From May Paradise News, page 45, courtesy of Pete Roos.

Are You Prepared For The Next Ian?

Folks in Fort Myers Beach are dealing with insurance claims in the aftermath of last year’s
disastrous Hurricane Ian, which, until a day before landfall was aiming for Tampa Bay.
How many of them would have taken the precaution of photographing their home and
possessions and preserving those records safely in the cloud.
A Longtime St. Pete Beach resident with a photo and technical background
has offered to help residents prepare.

360-180. WHAT IS THEIR SERVICE?

They provide a safe guard for your insurances,  peace of mind for you, and  provide you the property owner,  independent, dated photographic documentation of what you own prior to any potentially devastating event, storm, flood, fire or theft.  Images are presented in 360 degree surround view. See their demo at http://demo.360-180.com/ password “demo”.
You never need to worry you have viable proof for your insurance company of what has been lost or damaged in some disaster to your furnishings, artwork, equipment, built-ins, cabinetry, architectural add-ons. 360-180 also provides valuable documentation of  property condition, what is on-site  prior to storage for a remodelling project in your home or business, or a move to a new location.

WHAT IS THE COST?:

Their introductory price is a flat fee of  $99 until July 1, 2023.  
Prices will increase by about 50 %, and be based on documented square footage of structure.

WHAT IS INCLUDED IN THE PRICE?:

* Security of information.  Owner, tech coordinator and photographer, Tim Krafcik, and his rep, Barbara Praete, are 40+ year residents of Pass-a-Grille.  References include Joan Walker, Realtor 36 years; Sean Hurley of Frank T. Hurley Associates, Inc, Realtors; Ron and Sherry Sacino; Jack LoBianco; Brenda Ercius. 

* Creation Date, imbedded in each room image, of Paradise News cover and local newspaper front page.

* Documentation of all furniture, artwork, cabinetry, built-ins, add-ons, equipment in your home or  business.

*Cloud storage off-site. Access is password protected. Accessable with most web browsers.

* Material updated for same owner/property for $25 per room at any time after the first document is delivered.

Call 727-228-0273 for an appointment. Visit http://360-180.com.

Dear  Clients, Neighbors, Friends and Associates…

Florida SB-4D, or 2022-269, Laws of Florida,  effective May 26, 2022,  was the legislation that came about rather quickly in the traumatic months following the June 24, 2021, collapse of the 12 story beach- front Champlain Tower condominium in a Miami suburb. 

This legislation is transformational, containing arguably the most significant changes in condominium and cooperative statutes ever. It should prove to have significant effects on affordability and unit values, as well as public concerns and perceptions of safety issues involved in condominium living.

Condominium communities have been calling on Reserve Study firms to help navigate evolving condominium reserve requirements.  A couple years ago condo communities could actually vote to waive reserves altogether, or minimally, reserve only for roof, painting and paving.   Associations were also allowed to fund reserves at less than 100%, for instance, 75% funding in the budget.  Now there will be catch up to arrive at a 100% funding plan for all condominium communities in the State of Florida.

State reserve mandates  now contain a greatly expanded list which adds general elements such as electrical, plumbing, fire prevention; specific elements such as elevator, building hvac,  windows …i.e. any elements contributing to structural integrity or safety or where there is determined to be deferred maintenance.  It can be complicated and where issues arise, unusual assessments could be necessary, or alternative funding initiatives, such as a corporate loan,  the route I took as Treasurer for my small historic condo in Pass-a-Grille.

The new legislation requires older buildings of three or more stories to conduct Milestone and SIRS (Structural Integrity Reports), sealed by an authorized architect or engineer.  Every applicable condominium was required to report to the State last year and get on their list for compliance.  A Statewide shortage of qualified engineers is expected. 

The Milestone and SIRS are essentially a Reserve Study with defined factors of structure and safety to be scrutinized by authorized engineers at an on-site inspection as required by the new legislation.  These reports must be completed prior to December 31, 2024, or within 180 days of notification by local municipality.

Whether 3 stories+  or less, no condominium community will have an exemption regarding the new prohibition against waiving or reducing full funding of certain statutory reserves.  This legislation will affect every single condominium community in the State of Florida. 

I have been fortunate to be involved in a number of recent condominium transactions, as a Realtor and as a Condo Board Director, in a 28 year old building, a 50 year old building, and a 100+ year old building.   Do not put off  buying your condo.  Be educated.  This is  Florida and the condominium is the most popular lifestyle choice, offering shared maintenance expense, which often comes with extensive amenities, preferred by part time owners, by those who travel a lot, by those who down size from a single family home, by busy professionals and retirees alike who need or prefer maintenance- free living.

Learn how the condominium you are considering is financially positioned now, and how the Association is addressing compliance issues so you are comfortable where the budget planning is headed.  Check how well the property has been maintained in general and focus on big ticket items such as  elevators and roofs and facades/balconies/rebar.  And be realistic, i..e. replacing  old galvanized pipes could be an issue in buildings dating from the 70’s, but it could also be a manageable process, especially where the community location is outstanding.   Study the financials provided by your Realtor at or before time of contract, specifically the Reserve schedules.  Ask to see the minutes of meetings for the past 12 months, what has been discussed or put on record.  And ask about the Milestone and SIRS inspections and reports. 

joan

My personal Blog for May, 2023, is published in WalkerOnTheBeach.com, “How To Become a Homeowner on a First-Time Buyer’s Budget.”

SOLD in May:

2/2 Villa on Sun Boulevard, at  Casa del Mar, Isla Del Sol Condo community on the Pinellas Bayway.  Extraordinary views, excellent use of space, well managed association, corner unit surrounded by the open sea. $495,000.

I introduce 360-180, a new and efficient  concept in documenting what you own for the insurance adjuster, in the event of a natural disaster, such as hurricane, or fire, or for moving or remodeling projects. Protect your investment!  (Owner, Timothy Krafcik, has been my tech associate 36 years, my Tech Tim!)

From May Paradise News, page 45, courtesy of Pete Roos.

Are You Prepared For The Next Ian?

Folks in Fort Myers Beach are dealing with insurance claims in the aftermath of last year’s disastrous Hurricane Ian, which, until a day before landfall was aiming for Tampa Bay. How many of them would have taken the precaution of photographing their home and possessions and preserving those records safely in the cloud. A Longtime St. Pete Beach resident with a photo and technical background has offered to help residents prepare.

360-180. WHAT IS THEIR SERVICE?

They provide a safe guard for your insurances,  peace of mind for you, and  provide you the property owner,  independent, dated photographic documentation of what you own prior to any potentially devastating event, storm, flood, fire or theft.  Images are presented in 360 degree surround view. See their demo at http://demo.360-180.com/ password “demo”.You never need to worry you have viable proof for your insurance company of what has been lost or damaged in some disaster to your furnishings, artwork, equipment, built-ins, cabinetry, architectural add-ons. 360-180 also provides valuable documentation of  property condition, what is on-site  prior to storage for a remodelling project in your home or business, or a move to a new location.

WHAT IS THE COST?:

Their introductory price is a flat fee of  $99 until July 1, 2023.   Prices will increase by about 50 %, and be based on documented square footage of structure.

WHAT IS INCLUDED IN THE PRICE?:

* Security of information.  Owner, tech coordinator and photographer, Tim Krafcik, and his rep, Barbara Praete, are 40+ year residents of Pass-a-Grille.  References include Joan Walker, Realtor 36 years; Sean Hurley of Frank T. Hurley Associates, Inc, Realtors; Ron and Sherry Sacino; Jack LoBianco; Brenda Ercius. 

* Creation Date, imbedded in each room image, of Paradise News cover and local newspaper front page.

* Documentation of all furniture, artwork, cabinetry, built-ins, add-ons, equipment in your home or  business.

*Cloud storage off-site. Access is password protected. Accessible with most web browsers.

* Material updated for same owner/property for $25 per room at any time after the first document is delivered.

Call 727-228-0273 for an appointment. Visit http://360-180.com.

Best regards,

Joan

joan h walker

Dear  Clients, Neighbors, Friends and Associates…

Roses are red, violets are blue
Is there a cupid looking for you?
Of course, dream awake!
Rekindle the flame, or start one anew! 

Happy Valentine’s Day!

What’s up for February?…why, my winter garden for sure, time to harvest again… 
It’s also a good time in our area to get your property on the market..

My personal Blog for February, 2022, WalkerOnTheBeach.com,  is  “8 Popular Home Design Features for 2022.” Opinions  for my blogs come from a variety of sources and reflect assorted market trends.   You’ll see reading my blog.  One of the strategies for preparing a property for sale  is discussed as a popular trend in “staging” for today’s buyer.

Frankly I would have hesitated to recommend sellers go for an accent wall when preparing their home for sale.  Sometimes personal statements can take a wrong direction and the buyer cannot visualize themselves in that space and will not feel  it’s the home of her dreams.  (For instance, my personal artistic flair, i.e. New York Taxi Yellow walls surrounding my kitchen area and bathroom ceiling,  may indeed not have general appeal.)

This weekend however, I visited a client who took a relatively outdated condo unit I sold her in December,  and created an inspired space for her mother… without any expensive remodeling such as granite countertops and new flooring….  She has transformed the space.  Note how the strong blue accent wall in a room of gentle neutral hues, has made the wall surrounding the open water view seem to disappear, bringing focus to the main feature of this condo, the exceptional open water view.   Nice job!

Real Estate Statistics for December,  2021,
as reported by the Pinellas Realtor Organization’s CEO David Bennett:

For a current market snapshot in the PASS-A-GRILLE AREA, with a 6 month synopsis of Active, Pending and Sold Properties, click the links below:

Single Family:
Condo:

Please contact me, or visit  my website, GulfToGlobalRealEstate.com  to set up a personalized real time search to target your specific market, or to analyze your property’s position in your own neighborhood marketplace.

I’ve not been one to seek awards for some years now,  especially when the best gift has been working with some of these remarkable people nearly  12 years!   But this lovely trophy, awarded to founding members of our Suncoast Global Council, means a great deal to me…thank you.  I am encouraged to share it, so I salute the Suncoast Global Council of our Pinellas Realtor Organization

Dear  Clients, Neighbors, Friends and Associates…
You make a difference in who I am, and how I do business, some of you for many years now.  Thank you, and Happy New Year!

 My frequent visitor for several months, this intriguing  female cardinal started her days admiring herself in the rear view mirror of my car around 8 a.m. every day,  before her radiant red male took her off to breakfast.   But now she has discovered my gazing ball in our backyard, and she can watch herself fly from the hammock…hahaha over and over.   Enjoy 2022, be amazed at yourself, and keep flying.

For a current market snapshot in the PASS-A-GRILLE AREA, with a 6 month synopsis of Active, Pending and Sold Properties, click the links below:
Single Family:
Condo:

Please contact me, or visit  my website, GulfToGlobalRealEstate.com  to set up a personalized real time search to target your specific market, or to analyze your property’s position in your own neighborhood marketplace.