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#Florida condominium special assessments
andrewjbernhard · 7 days
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Challenging Condo Special Assessments Under Florida Law: Essential Guide for Homeowners
Are you a condominium owner in Florida facing an unexpected special assessment and unsure of your rights? Our latest guide is here to help. This article explores grounds for challenging assessments if you believe an assessment is unfair.
In Florida, condominium governance involves a nuanced interplay of laws designed to protect both individual unit owners and the collective community interests. A common source of contention is special assessments—extra fees levied by a condominium association to cover unforeseen expenses or improvements not included in the annual budget. If you face a special assessment you deem unfair,…
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graciouslivingrealty · 2 months
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Discovering Homes for Sale and Knowing Property's Value
Whether you're considering selling your home in Aventura, Florida, or just curious about its current market value, understanding your home's worth is crucial. In this blog post, we'll explore how to determine the value of your home, factors influencing property prices in Aventura, and key insights into homes for sale in this vibrant Florida community.
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Understanding Your Home's Value
Determining the value of your home involves several factors, including location, property size, condition, recent sales of similar homes (comps), and current market trends. Here are essential steps to assess your home's worth:
Market Analysis Conducting a comparative market analysis (CMA) is a fundamental step. Look at recent sales of similar homes in Aventura to gauge the current market value. Real estate websites, local listings, and guidance from a real estate agent specializing in Aventura can provide valuable data.
Property Condition Evaluate your home's condition objectively. Factors such as age, upgrades, maintenance history, and overall appeal impact its value. Homes in Aventura often attract buyers seeking modern amenities and well-maintained properties.
Location Aventura's desirable location near Miami and its waterfront charm significantly influence property values. Proximity to beaches, parks, schools, shopping centers like Aventura Mall, and cultural attractions adds to the appeal for potential buyers.
Current Market Trends Stay informed about current market trends in Aventura. Factors such as supply and demand, interest rates, and economic conditions can affect property prices. A real estate professional can provide insights into market dynamics specific to Aventura.
Homes for Sale in Aventura, Florida
Aventura offers a diverse range of homes for sale, catering to various lifestyles and preferences:
Waterfront Properties Luxury waterfront homes and condos in Aventura boast breathtaking views of the Intracoastal Waterway, Biscayne Bay, or the Atlantic Ocean. These properties often feature upscale amenities like marinas, private docks, and proximity to yacht clubs.
Golf Course Communities Aventura is known for its prestigious golf courses and gated communities offering golf course views. Homes in these neighborhoods appeal to golf enthusiasts seeking a serene residential environment with access to world-class golf facilities.
Condominium Living Condominiums in Aventura provide convenient living with amenities such as pools, fitness centers, and 24/7 security. They are popular among individuals looking for low-maintenance lifestyles and proximity to Aventura's shopping and dining destinations.
Family-Friendly Neighborhoods Aventura features family-friendly neighborhoods with single-family homes and townhouses. These communities offer spacious layouts, parks, top-rated schools, and proximity to recreational facilities, making them ideal for growing families.
Finding Your Ideal Home in Aventura
Whether you're buying or selling a home in Aventura, partnering with a knowledgeable real estate agent is invaluable. They can guide you through the process, provide a competitive market analysis, and help negotiate the best deal. Here are additional tips for navigating the Aventura real estate market:
Work with a Local Expert Choose a real estate agent familiar with Aventura's neighborhoods and market trends. Their local knowledge can help you find homes that meet your criteria or attract buyers interested in your property.
Attend Open Houses and Tours Explore homes for sale in Aventura through open houses and virtual tours. This firsthand experience allows you to assess property features, neighborhood amenities, and overall appeal before making a decision.
Review Financing Options Understand your financing options and get pre-approved for a mortgage if you're buying. Sellers should prepare necessary documents and consider staging their homes to attract potential buyers.
Conclusion
Knowing your home's worth in Aventura, Florida, involves research, analysis, and understanding local market dynamics. Whether you're selling or buying, staying informed about property values and market trends is essential for making informed decisions.  Explore the diverse range of homes for sale in Aventura, consult with a trusted real estate professional like Gracious Living Realty, and embark on your journey to finding or selling your ideal home in this vibrant South Florida community.
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beautifulrolli · 2 years
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Our cuisine combines the freshest local ingredients and original recipes, No matter if it's a business lunch, a full meal among driends and family, or after office cocktails and bites. SBA COVID-19 Economic Injury Disaster Loans (EIDL) The Restaurant invites you to taste fresh and Caribbean dishes to share.Cuanto cuesta la entrada Hola Ariel, los Miercoles tenemos Ladies Night, y la entrada. Call her today at 708.539.9319 or send an email to Laurenhersheyrealtor(at)gmail(dotted)com. Hello Luciany, Candela Bar Brickell is 21+. Live in South Florida’s thriving financial district and the best restaurants in brickellįind your ideal condominium with Brickell Realtor Lauren Hershey, Miami’s top luxury real estate agent. It is in a very convenient location, offers a spectacular view, luxury amenities, best restaurants in Brickell and Biscayne Bays’ panoramic view is incomparable to any other as well. Among the most popular properties in town stands high-rise condos. The neighborhood’s central location on the south side of Downtown Miami gives residents easy access to South Beach, Little Havana, and Coral Gables.īrickell offers a wide variety of homes and condominiums to choose from. Brickell City Centre, one of the biggest mixed-use developments in the neighborhood, includes residential towers, office buildings, a hotel, and a premium shopping complex. Located in the heart of Brickell, Mary Brickell Village offers a variety of shops, restaurants, services, and activities. īrickell realtors and residents enjoy the many amenities the town has to offer. Candela Bar has a total capacity for up to 140. For a social gathering in our outdoor terrace or an dinner in the inside private room, our Special Events staff is able to transform your celebration into an experience to be remembered. That being said made Lauren Hershey, Best Brickell Realtor, adores this booming town. Brickell just got their new SALSA SPOT Candela carries tradition and Latin flavor thats been perfected for decades.It all started in Cartagena, C. Candela Bar all-around event space offering two perfect spaces for any occasion. The town’s name is after the Brickell family who moved to the area in the late 1800s and established a trading post. Plus it is renowned as Miami and South Florida’s bustling financial district. Best Brickell Realtor | Brickell Real Estate Searchįormerly, Brickell is an inactive town with little-to-no activities, nevertheless, it has boomed into a vigorous locale filled with young professionals, families, and foreigners.
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guyluxuryrealestate · 4 years
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What Do You Pay at Closing When Selling a House in Palm Beach FL?
What Do You Pay at Closing When Selling a House in Palm Beach FL?
Sellers in Palm Beach FL pay around 3% of the purchase price as an estimate of closing costs. This is excluding real estate commissions. The closing costs when selling a house in Palm Beach FL include:
Documentary Stamp Taxes.
Title Search Price.
Condominium/HOA Association.
Estoppel Letter Fee.
Fee For the Title Company
Survey Costs.
Commission For both Realtors.
Let us take a look at all these costs in detail.
What are the major closing payments?
1. Documentary Stamp Taxes On The Deed
A deed is a legal document that signifies the transfer of interests. For example, quitclaim deeds and warranty deeds. A deed needs to be signed and delivered. It is not required to be recorded in public records. But buyers would want to record it for two reasons: 
●       To use as proof that the property is bought by them.
●       To provide protection against any title claims. 
The County of Palm Beach levies a tax for recording such documents in public records. This is the Documentary Stamp Tax on the deed and is mostly paid by the seller.
What is the approximate cost?
A Palm Beach county seller will be charged $0.7 for every $100 of the selling price as the documentary stamp tax. So, if you are selling a house for $200,000, you would be charged 70 cents per $100. You will be paying a total documentary stamp tax of $1400.
2. Title Search
In Florida, the seller has the responsibility of showing the buyer a clear title for his property. The title search is performed by either an attorney or the title company.
Title companies have experts who specialize in the real estate business. They help the seller in the title search for the property. The title companies receive a synopsis of the title. It contains details of the legal issues related to the property. For instance, it will show the property's liens, easements, and transfers of the deeds. A good title company will have expert professionals who can find out the history of the property. 
To buyers, a clean title to the property is mandatory. The seller must provide a clear and marketable title. If not, the buyer is free to reject the contract unless both parties agree otherwise.
What is the approximate cost?
The price of a title search includes the fee of the title company.
3. HOA/Condominium Association Estoppel Letter Fee
An estoppel letter is a mandatory legal document. It is allocated by the seller's HOA (Homeowners Association). The document outlines the financial status of the current owner. It also highlights past and current fee due balances. The letter expresses the property's debts, violations, fees, and special assessments. These are generally allotted by the HOA.  
Before giving a loan to the prospective buyer, the bank would want to if there are any debts left with the HOA. They want to know the exact amount of debt. Without the estoppel letter, the buyer cannot borrow money from the bank. 
There are three possibilities that can be seen on the estoppel letter. One, there is no debt. Two, the seller must continue to pay the debt. And, three, the debt is divided between the seller and the buyer.
What is the approximate cost?
There is no fixed charge for the estoppel letter. The prices can be different for different associations. In most cases, the range is anywhere from $0 to $500. As per the law, the estoppel letter must be provided by the association within a period of 15 days.
4. Title Fees
The title fee is the fee the seller pays for the insurance premium of the buyer’s title. It is important as it protects both the buyer and the lender in case of any problems with the title. 
There might be some problems related to the title that aren’t discovered at the time of closing. Some examples of such problems can be improper legal descriptions, forged deeds, etc. 
The Title fee acts as a cover against such problems.
What is the approximate cost?
The title fee is calculated at the rate of $5.75 per $1000 of the purchase price up to $100,000. Over $100,000, add $5 per $1,000 of purchase price up to 1 million.
5. Survey Cost
A survey of the property is done by a professional surveyor and will show the boundaries of the property.  Since it clearly defines the exact boundaries of the seller’s property lines, it’s a good idea to have it done. These costs are legally binding and professionally certified. If there are no new constructions since a previous survey, the buyer can accept an old survey also. This will save you time as well as money.  
What is the approximate cost?
The Survey cost depends upon the size, location, history and age of the property. It might also differ among locations and professionals. In most cases, it costs anywhere from $300 to $600.
6. Commission For Seller's Realtor
The fee of a realtor is one of the major factors to consider when selling a property. It is true that real estate transactions are negotiable. But, while selling your Palm Beach house, you will be paying a fixed commission to the realtor.
There are two types of realtors. First, a listing agent who is hired by the seller. The job of a listing agent is to list the seller's property (ies) to realtors that have potential buyers. Second is a buyer's realtor. Their job is to show the listed properties to potential buyers.
Realtors must be registered under a real estate brokerage. If not, they are running an illegal business. Additionally, a realtor may work both as the listing agent and the buyer's agent. So, they will be compensated for both the jobs. Also, the seller has to pay both the listing agent and the buyer's agent. The payment is derived from the property's sale price as the commission.
What is the approximate cost?
Commissions for different agents:
Listing Agent- 2.5 to 3%
Buyer's- 2.5 to 3% 
This means you will be paying around 5 or 6% commission to the realtor(s). This means, if your property is sold for $100,000, the commission will be approx. $5000-$6000.
Conclusion
Selling a house can give you some stress, especially on financial terms. That’s why knowing about the closing costs can help you. 
Do you want to sell your house in Palm Beach county? Guy DeGiacinto Luxury Real Estate can make your experience better. Contact me at 561-371-8287.
I am more than happy to provide you real estate services of the highest standards.
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Buying a Condo Conversion
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Never question the ingenuity of the real estate developer.
Close to 20 years ago, two of my best buddies and I decided to pool our resources after college and get an apartment of our own.
The three of us were barely able to afford a 3 bedroom apartment that was about 10 years old at the time. We paid about $500/mo. in rent. To this day, I am not sure how we could afford that apartment.
The apartment was a dump. The flooring, the kitchen and, especially, the bathrooms were so bad, that my father walked in one day with a horrified look of disgust on his face, and refused to stay. However, that was what my buddies and I called home.
Today, nearly 30 years later I am doing loans for people buying units in that same apartment complex. Today, it's a condo conversion!!
The entire complex has been remodeled, and the units are going for nearly $175,000 a unit.
Pure genius!
You all know about condo conversions and how incredibly hot they are in the market. Low interest rates have driven new home sales through the roof and condos are no exception.
First time home buyers are flocking to get in any way they can. This has actually crippled the apartment business and is driving the biggest condominium conversion boom in 20 years.
Over 12,000 apartment units in Las Vegas are currently mapped for condo conversions. Condo developers are paying a premium to acquire and transform old apartment complexes into condos and they are doing this all across the country, especially Las Vegas and South Florida.
The developers typically search for apartment-to-condo conversions in desirable locations where they won't directly compete with affordable entry- level homes.
They want to offer an affordable alternative to pricier single-family homes or to costlier condos in new developments. 
In many cases, condo conversions provide the perfect entry-level opportunity for renters to become home owners, allowing these new property owners to build equity and realize their homeownership dream.
Transforming apartment buildings into condominiums is quicker and less risky than construction from the ground up. click to find out more kopart at newton show flat
Land prices have gone up so high that many developers cannot afford to build entry-level housing, so this is a great option. Home buyers then benefit because converted units are usually more affordable than new ones, and many are in choice locations. You can find some of these units advertised locally for as low as the $90's.
Conversion developers say they can buy something for one-third of the cost that it would take to buy the vacant land and build something on it.
The beauty for the developer is that the condo conversion isn't going to be selling for one-third of what it would cost brand new. It's more like 75%-85% of it.
The developers usually do a pretty nice job improving the property and the units. Upgrades are usually made to the property's exterior and common areas. Then they add on the sizzle. Granite counter tops, upgraded cabinetry and fixtures, and wood floors are often added to individual units. The upgrades are built into the condo prices.
Once the developer acquires an apartment complex, they generally convince about 10-15% of the existing renters to stay by buying a unit. They will often offer these people discounts before they ever even market to the general public.
The obvious key to selling these units to your clients is to convince buyers that they are better off owning versus renting or to get your more timid investors to jump in with less financial risk.
People have a desire to own a home. There are very few who want to rent and low interest rates have provided this opportunity.
Condo conversions create more affordable housing in areas when the price for a single-family home skyrockets like we have seen throughout the country. A single family home in Las Vegas, where I live, is averaging around $300,000. That is simply not affordable for your average first-time home buyer.
Speculators and investors make up 30-50% of all condo conversion buyers. They buy these units, intending to sell them at a higher price in a short term.
Rising interest rates historically have slowed conversion activity. This slows down the appreciation as well. It's difficult to convince someone to pay $1200 per month on a mortgage for a 1000 sq. ft condo. However, get it under $1000 and you will find buyers.
Before you invest in one of these units and plan on renting it out, or you plan to buy one to live in, you must know a few things.
Condo conversions are marketed to the very same people who rent apartments. Thirty to 50% of all condo conversion buyers are investors and speculators.
When they go to rent their units, they are competing for the very same market as the developer of the project. Why rent when you can buy? Why rent from you either?
Once cheap mortgages vanish, and rates have been rising recently as you all know, condo conversions will become riskier. When home sales slow, converters may find it harder to sell their condos.
Once 30 year interest rates hit 7% or 8%, experts say, condo conversions will cool. Today, we are at around 6.25%. The good news is condo conversions are almost the last bastion of truly affordable housing in many areas.
Here are some things to keep in mind...
Many people buying condo conversions don't realize that the property they are buying is different from a newly constructed unit. This means the financial exposure for repairs and replacements can be much higher.
New condominiums, built from the ground up, are constructed with the building materials of today and have to conform to today's more strict building codes.
The condition of converted condominiums can vary. An older apartment complex converted to condos could have wear and tear and may have structural faults unknown at closing. These problems can become a real hindrance later on.
Newer apartments that have been converted to condominiums in the past few years were probably constructed under the latest building codes and have new building components, mechanical systems and interior finishes. These are a safer bet and you will want to find out the year the original structure was built.
Many older buildings have been converted as well. Some converters gut an apartment building, taking it down to its "shell," and then rebuild it, installing new plumbing, roof and mechanical systems.
Other developers simply do "cosmetic rehabs," leaving the building components as is and merely sprucing up the property to make units more marketable.
Buyers beware. Are you buying a fully renovated building that was taken down to the shell, or are you buying a building that someone just slapped some paint on and put in a few new windows?
What about problems to the complex? Although most developers do a terrific job in converting, what if the roof needs to be repaired after a few years? Does the association have enough reserves to cover it? Many people believe condo conversion owners can expect special assessments quicker than new condo buyers.
You do have some safeguards. As a lender for condo conversion buyers, we often require an engineer's report from the developer before we close the loan. You have a right to this document as well.
It tells you what was done to the building and the sales office can give you a copy of this if you ask.
Here are some other things you should know before buying a condo conversion:
They usually have restrictive covenants. Every condominium project has rules and restrictions that govern what unit owners can do. If you own a pet, make sure your building is pet-friendly. Do you even get a covered parking space?
Are you buying the unit as an investor to rent out? You will want to make sure the building allows rentals and the minimum term required.
If speculators cannot resell their units they will rent them out too. If there are many renters, that can create problems with condo owners in the same building and lead to maintenance issues.
Renters tend to care far less about their homes than do the home's owner. Too many renters can destroy the complex and it's value.
Speculators buy as much as 70% of some condominium projects. You may be moving into a building that is nearly vacant. That may not be what you had hoped for.
Once a condominium project has more than 30% of its owners that use it as a second home or as an investment property, the condos all become "non-warrantable."
Non-warrantable condos mean the project is not insured by Fannie Mae. This means a different kind of loan for the buyer of your condo. Many banks do not loan on non-warrantable condos. We offer non-warrantable condo loans. Even though they are very competitive, even offering 100% financing, the loan programs are not quite the same as they are on a warrantable condo.
Here is a time and problem saving tip:
When you are selling a condo, of any kind, you want to make sure you or your agent contacts the Homeowner's Association, early in the process, and asks them what percentage of the project is non-owner occupied. If it's over 30%, you want to communicate this immediately to your buyer. He has to make sure his lender can do the loan or he may have to change lenders. It is best if you know this early.
Many condo conversions are considered non-warrantable.
The bottom line is condo conversions offer affordable housing in many areas where the first-time homebuyer and the real estate investor, who wants to take on a little less financial risk, are starting to be turned away. However, as a buyer you want to be very cautious and ask questions about the building's history and residential make-up.
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Strategize Your Rental Transfer With Tampa Movers
Strategize Your Rental Move With Tampa Movers
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The Best Side of 1 Bedroom Apartments in Orlando
It begins using a reserving The sole way to leave a review is to start by coming up with a reserving. That is how we know our assessments originate from actual guests who have stayed within the house.
About Our Specials Condominium Finder makes use of the business's biggest and many comprehensive databases of authentic-time rents and availabilities to assist you to find a wonderful deal on the upcoming rental. Price Fall Apartment communities transform their rental charges continuously – often numerous periods per day. We keep track of most of these changes that can assist you to discover a great deal on your next apartment. Very best Price We contact a device "Greatest Benefit" if it is inside of a large-high-quality creation (a few stars or previously mentioned) which includes units which are priced substantially under similar apartments in precisely the same location.
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About Our Promotions Apartment Finder makes use of the industry's most significant and most comprehensive databases of actual-time rents and availabilities to assist you to discover a wonderful deal in your upcoming rental. Cost Fall Condominium communities alter their rental costs continuously – at times many times every day. We keep track of all these alterations to assist you to discover an incredible offer in your following condominium. Very best Worth We simply call a unit "Greatest Price" whether it is in a substantial-excellent building (3 stars or earlier mentioned) which includes units which can be priced appreciably fewer than comparable apartments in precisely the same space.
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Lake Eola Park, with its swan-formed paddle boats and majestic fountain, presents an oasis in the city which is ideal for weekend picnics and afternoon lunch breaks. Located in the guts of Florida, the beaches of both Coastline (Gulf and Atlantic) are accessible in around an hour’s generate from Orlando.
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The City Lovely earns its nickname, from its gorgeous lakes and vivid, sunny skies to its pristine streets and beautiful architecture. Lake Eola Park, with its swan-formed paddle boats and majestic fountain, provides an oasis in the town that is ideal for weekend picnics and afternoon lunch breaks.
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right from check-in the team was being incredibly helpful and Specialist. The area was cozy and very thoroughly clean. The location was terrific -liked The very fact we could walk to an outlet mall and native dining places.
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visiongroupllc · 2 years
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Benefits of Real Estate Services in Visionary Building Group in Florida
There are many benefits to using Real Estate Services in Florida, especially when you are working with a visionary brand like Olympus Sports & Entertainment. These businesses are responsible for a large amount of development and construction work in the area, and they have over 400 employees. They specialize in providing superior results and exceptional service to their clients. They can handle everything from a single unit to an entire community’s build, from grading to landscaping. Their quick and efficient solutions allow builders to focus on other opportunities, rather than worrying about how to manage their teams.
Providing real estate services to clients is an excellent way to protect your investment. BBG’s team of professionals has decades of experience working in community master planning and environmental design, and they can provide a wide range of services to help you get the most from your project. They have the ability to navigate the complicated process of land development from start to finish. They can also provide you with the construction financing that you need to make your vision a reality.
BBG is a leader in land development. They know the ins and outs of every new development. From finding the right land for your business to investigating its potential, BBG will take a series of steps to meet your needs. They can also assist with obtaining construction financing and manage all aspects of the development. For this reason, they are a perfect choice for clients in Florida.
BBG has a wealth of experience in all aspects of land development. Each new project involves several phases. When working with BBG, you can rest assured that the process is done correctly. This starts with finding the ideal piece of property for your business, investigating its development potential, and finally getting construction financing. Whether you are building a condominium or a mixed-use property, BBG will take care of everything for you, from the initial planning phase to the final completion.
In addition to providing a wide range of services, Olympus also offers a bespoke approach. Its expertise in land development includes research, analyzing the market and assessing the project’s feasibility. Ultimately, you will be able to enjoy the full benefits of Visionary Building Group in Florida. You will be able to focus on your business and the process will be as easy as possible.
Olympus has earned the trust of Lake County and the City of Clermont. They have worked closely together to establish a collaborative partnership that will create long-term value for the property. Additionally, they have a wealth of experience in land development. They will find the ideal land for your business. The team will also ensure that your investment is safe. They will also have a dedicated project manager and will be there when needed.
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leanpick · 3 years
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Opinion | Florida Condominium Laws Need Reform
Opinion | Florida Condominium Laws Need Reform
Because there aren’t enough inspectors or regulators, some buildings have delayed recertification for years. But things can also go wrong before recertification, and at some buildings, owners merely patch and paint and ignore long-term maintenance repairs or otherwise cut corners to avoid the conflict and chaos that large special assessments cause with their neighbors. What should be done?…
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andrewjbernhard · 3 days
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Condo Association Board Guide to Defending Special Assessments: From 40-Year Recertifications to Reserve Shortfalls
In our latest blog post, we dive deep into: 🔹 Why Special Assessments May Be Necessary. 🔹 Defending the Decision - Tips. 🔹 Navigating 40-Year Recertifications. 🔹 The Business Judgment Rule.
Introduction Condominium living in Florida offers a blend of convenience and community but comes with its own set of complexities, especially when it comes to managing finances. One of the most contentious issues that condo associations can face is the imposition of special assessments. These additional fees are levied on unit owners to cover unexpected expenses or major repairs not included in…
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bbcbreakingnews · 3 years
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‘Condo wars:’ Surfside association fighting in Florida was extreme, but it’s a familiar battle for HOAs
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Long before the Champlain Towers South Condominium collapsed, the owners and the complex’s board of directors spent years clashing over the cost and extent of safety and structural repairs for the 12-story building near Miami.
“Why is all of this so complicated and expensive?” read the question that topped the board’s meeting minutes over a list of major structural problems last October as the deadline for a state-required recertification of the Surfside, Florida building approached.
On April 9, Jean Wodnicki, president of the Champlain Towers South board, warned in a letter to owners that the problems had worsened. “We have discussed, debated, and argued for years now, and will continue to do so for years to come as different items come into play,” she wrote.
“A lot of the work could have been done or planned for in years gone by. But this is where we are now,” added Wodnicki.
The disagreements represent an extreme but familiar version of the infighting and financial planning battles that play out across the nation in condos, homeowner associations and co-ops — roughly 380,000 community associations in all. Owners or shareholders of the associations square off with volunteer and sometimes inexperienced board members elected to oversee the complexes in a struggle to maintain aging buildings while keeping monthly fees low and enticing new buyers.
“There’s always pressure to put off costs for the future that might be better allocated today,” said Thomas Skiba, chief executive officer of Community Associations Institute, a Virginia-based membership organization focused on building better residential communities. “Some boards are better than others. Some communities are better than others.”
One of the most financially and emotionally fraught battle lines is special assessments. They represent levies that may total tens of thousands of dollars to pay for such things as a new roof, major plumbing problems or extensive repairs to exterior walls. A Champlain Towers South special assessment, with payments that were to have been due this month, ranged from $80,000 for a one bedroom to $336,000 for a penthouse.
Sinking concern:Collapsed Miami condo had been sinking into Earth as early as the 1990s, researchers say
Condo president’s warning:‘Significantly worse’: Doomed Miami condo’s concrete deterioration was accelerating in April, condo letter says
Design flaw to blame?:New documents show residents in Florida’s collapsed condo feared flaws in original design
Special assessments are often necessary because the financial reserve accounts for many condos, homeowner associations and co-ops fall well short of covering the costs.
Robert Nordlund, a registered professional engineer, is a founder and the chief executive officer of Association Reserves, a consulting company that advises board members of condos, home associations and other organizations on the size of reserve funds for major and long-term expenses. The firm has more than 60,000 clients across the nation, he said.
Roughly 30% of associations “have a weak reserve fund for dealing with major costs and emergencies, with less than 30% of the funds needed for such projects. That means they’re likely to need a special assessment to pay for big ticket expenses, said Nordlund. Another 40% of associations rate “fair” for the financial reserves. And 30% have strong financial positions for major expenses and emergencies, Nordlund said
“A fair percentage follow our recommendations” about how much income from common charges and other fees should be set aside for long term maintenance and emergencies, he said. “But it’s unfortunately common that organizations don’t follow our recommendations fully.”
Champlain Towers South was among those that rated in the weak category, based on the report that Association Reserves researched and prepared for the condo in 2020. It showed that the complex had an available reserve of $706,460. The complex’s projected costs at the time totaled nearly $10.3 million, the report said. That meant the condo had just 6.9% of the funding needed for major repairs.
“We should have started saving at least five years ago,” said a slide that was prepared for the Champlain Towers South’s May 28, 2020, board meeting.
Nordlund said he could not comment on reports and recommendations that his company submitted to any client. However, he said the Champlain Towers South Board “was struggling and struggling and struggling” for years to gain approval from unit owners to fund costly repair work, and “finally got it over the line” shortly before the collapse.
Only 11 states require condos and homeowner associations to fund reserves for major costs, said Dawn Bauman, senior vice president for government and public affairs of Community Associations Institute. They include Connecticut; Delaware; Florida, Hawaii; Illinois; Massachusetts; Michigan; Minnesota; Nevada, Ohio; and Oregon.
However, Florida and Illinois, allow associations to waive the funding requirement based on the outcome a quorum of voters at an owners’ meeting, Bauman said.
The  investigation of the Champlain Towers South condo collapse is expected to examine whether infighting-related delays in budgeting and funding structural work played any role in the tragedy.
A developing tragedy: Continuing coverage of the Miami condo collapse
In official reports as of Friday, the collapse had killed 78 and left 62 still unaccounted for while searching of the rubble continued.
Housing association experts and others said they could not recall a collapse with as many deaths and as much damage as the one in Florida, which has become one of the worst residential housing disasters in U.S. history.
“It’s an incredible outlier. We don’t see that,” said Nordlund.
Nonetheless, many types of residential associations across the nation have experienced some version of the squabbling and delayed planning that deviled Champlain Towers South.
Battling over dry rot
The Champlain Towers South tragedy triggered bad memories for Debra Corazzelli. She’s a former president of the Island J Condominium Association, a complex of 174 homes housed in 29 buildings in Foster City, California.
She and other association leaders went through a similar battle with homeowners over efforts in 2012-2014 to repair extensive dry rotting found in the wood beneath the concrete that covered the condo balconies and stairs.
The association fired the first contractor hired for the job because the work wasn’t getting done, Corazzelli said.
A new contractor estimated that completing the job would cost $7 million, or $40,000 for each unit in the complex. Many homeowners got angry.
“It was condo wars. I said you should make a reality TV show about it,” recalled Corazzelli, who said her role was a lost cause — trying to keep peace among battling neighbors. 
During a homeowners meeting that required private security, a majority of the condo owners voted the proposed assessment down.
However, Foster City officials declared the structural problems a life and safety risk. And an attorney for the association successfully petitioned a local court to impose an assessment for roughly half the required $7 million, equivalent to $20,000 from each homeowner.  Corazzelli said homeowners were able to pay the assessment over 10 years with their monthly common charges. 
The repair work turned the tide. The complex was no longer structurally unsafe. Home values increased. And homeowners agreed to new payments to repaint the complex, remodel the community’s clubhouse and other improvement projects. Inside the clubhouse is a large piece of dry rot, in plastic, “as a reminder,” said Corazzelli.
“It worked out for us in the end. I can’t even imagine what the people (in Champlain Towers South) are going through,” said Corazzelli. “My heart goes out to them.” 
A near-miss collapse
In May 2005, part of a 65-foot-high stone retaining wall just north of the George Washington Bridge in northern Manhattan collapsed atop Riverside Drive and the Henry Hudson Parkway below. Miraculously, no one was killed or injured.
A board of inquiry report by the city Department of Buildings concluded that the wall had shifted, dropped stones and bulged for years, despite repair efforts by the Castle Village Owner’s Corporation, a five-building, 575-unit co-op atop the bluff behind the wall. The repairs were insufficient to deal with a buildup of groundwater behind the wall, the city inquiry concluded.
Although the co-op obtained 15 reports from engineering companies over the years, it did not do any substantial work after a 1985 repair with the exception of installing a failed drainage system, the board concluded. Those efforts “do not constitute effective repair and maintenance,” the board said.
Instead of notifying the Department of Buildings as the wall’s condition worsened, the co-op and an engineering firm it had hired “appeared to treat the situation as an ordinary problem, one that could be dealt with in the ordinary course of business,” the board concluded.
Shareholders in the co-op had to pay for a massive repair of the retaining wall, along with the monthly maintenance bills for their units, and the cost of litigation with an engineering firm.
Responding to the near tragedy, the city enacted a new law that required property owners to file inspection reports with the Department of Buildings every five years for any retaining wall on their holdings that are more than 10 feet high and face a public right of way.
Planning a better way
Shocked by the Champlain Towers South tragedy, board members and residents of condos, homeowner associations and co-ops are looking at their buildings, and making sure their homes are protected. There are alternatives to bickering and questionable planning decisions.
Community Associations Institute recommends that homeowners check whether their communities have conducted a reserve study to plan for repair and replacement of major items such as a roof or a building exterior surfaces. The advisory organization also urges owners to check whether their association has a sufficient reserve fund for emergencies and big-ticket costs. 
Does the complex need a professional engineer to evaluate the building’s structural integrity, along with critical areas such as balconies and stairwells? Homeowners should read communications from association boards and attend board meetings where they can discuss financial reserves and financial planning.
For board members, the institute recommends determining whether any structural components might need repair or replacement, as well as whether an expert inspection is needed. Board members should also have regular communication with owners about structural issues, reserves and financial plans, the organization said.
Additionally, board members should be transparent with association members about estimated repair costs and whether a special assessment might be needed to pay for the job.
The Foundation for Community Association Research cited the Island J Condominium Association as a successful recovery from troubled condo status. “Get to know and understand your audience so you can educate them on the realities of their situation,” the organization advised. “Homeowners need a lot of data and information before trusting an outsider” such as an engineer or contractor.
Contributing: Romina Ruiz-Goiriena, Grace Hauck
source http://bbcbreakingnews.com/2021/07/10/condo-wars-surfside-association-fighting-in-florida-was-extreme-but-its-a-familiar-battle-for-hoas/
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ourmrmel · 6 years
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Mel Feller MPA, MHR, Discusses Investing in Condos in Texas
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Mel Feller MPA, MHR, Discusses Investing in Condos in Texas
 Mel is the President/Founder of Mel Feller Seminars with Coaching for Success 360, Inc. and Mel Feller Coaching. Mel Feller Ministries. Mel Feller is an Innovator and Business Leader. Visit www.melfeller.com and www.melfellersuccessstories.com Mel Feller currently maintains an office in Texas. Currently an MBA Candidate.
 While I love investing in many types of real estate, for me, different asset classes have different exit strategies. As a rule, I am not a holder of condos as long term investments but will, from time to time, buy them for resale. My concern with holding condos or town homes as long term investments is the potential for an HOA or condo association to hold too much control over my investment. I am sure there are many very successful condo investors out there so this is not an attack. The asset class just is not my first investment choice.
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 If you want to invest in condos and town homes the key is to recognize some of the potential risks and consider your options in advance. This way you can mitigate surprises before purchasing the unit.
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 Many people believe owning a condo or town home is easier than owning a single family home because you don’t have to worry about yard maintenance, roof repairs, etc. Compared to buying a single-family house there are definite differences with condos. When purchasing a condo you are not only buying your unit. You are also buying an ownership interest in the common areas of the condominium project such as the lobby, grounds, building exterior, etc. With common ownership comes risk and responsibility.
  The following information does not cover everything you need to know, but it is a good start.
  Insurance
  It is usually a good idea to get a copy of the certificate of insurance, which is a summary of the condo association’s policy. First, see if the replacement costs covered by the policy are an accurate reflection of the cost of rebuilding. You will want to make sure that the policy has a building-ordinance clause, which means that the insurance will cover the cost of bringing the building up to code if there is any rebuilding to be done.
   This is usually more costly in terms of premium but is much better than not being financially prepared for major repairs (especially when code related upgrades are required). On older buildings, there may have been many building code upgrades since the time of construction. As an example, over the years Florida’s hurricanes have wreaked havoc and many condo investors have suffered significant losses due to extended vacancies while waiting until their association and insurance carriers arranged for and completed repairs.
  Finally, make sure that you understand exactly what the association policy covers and what you are responsible for. Typically property and liability insurance does not cover the interior of your unit, but rather the exterior of the building and common areas. You may need to buy your own insurance to protect your interior space and your tenant will need a renter’s policy to insure their belongings.
  The HOA
  Look at the minutes of the condo association board meetings to see what the owners have been griping about. If everyone was complaining about the faulty electrical, plumbing or the landscaper’s absence, you know that the complex is having management difficulties. Even if there are not any complaints, reading the minutes will reveal the sorts of projects that are under way at the complex; projects the seller may have neglected to mention. HOA fees pay for expenses such as maintenance of the common areas, insurance (property and liability), non-sub-metered utilities, if any (such as water for irrigation and pools or electricity for exterior lighting and gates), repair reserves and more.
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       Management
  I am cautious of a condo complex whose owners manage the place themselves. Although many are operated efficiently, self-management can lead to more hassles for owners; especially non-occupant owners. If the condo development is professionally managed, check out the management company as thoroughly as you check out the association. Ask other owners. Ask people in nearby buildings. And be sure to interview the day-to-day manager directly. If you get saddled with a bad property manager, you can be sure of this: Your dream condo investment just might keep you up at night.
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 Fees
  Be sure to ask what is included in the HOA fees and find out the delinquency rates of present owners. A portion of your HOA fees should be designated toward reserves and you should find out how much is allocated to reserves. You should also review the balance to confirm it is sufficient to cover things like roof repair and replacement, mechanical systems, façades, and other large capital improvements.
  If people are not paying their association fees on time, it could be a sign of owner discontent or an indication that the association might be underfunded. Either way…it is a red flag. If reserves are insufficient to pay for large expenses or capital improvements (or if reserves have already been designated for another planned expense), the HOA will assess an additional fee on the condo owners. This is called a “special assessment.” The seller should be able to tell you if any special assessments are planned, but do not rely solely on this information.
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 A sk to see all board minutes within the previous 12 months and ask to talk with the HOA treasurer. Find out if there either is any pending litigation by the HOA or against the HOA as these can often result in a special assessment for legal fees or damages. It is also a good practice to compare the association fees to those of similar nearby complexes. Are they too high or suspiciously low? Keep in mind that complexes with pools, gyms and other amenities may have higher maintenance and  liability insurance costs.
  High-rise condominium towers typically have more complex mechanical systems such as elevators and HVAC systems that usually require extra reserves and maintenance fees. On the other hand, low-rise and single story developments may have extensive grounds that require landscaping and repaving. You might also ask to see two to three years of HOA fee history so that you can see how they are trending. Have they gone up significantly? Will they continue to go up? These are all good questions to ask of the seller or of the HOA treasurer. If the seller is a bank, you will not learn much so talking with the HOA Treasurer is a must!
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 Reserves
  If the fees are low in comparison to nearby complexes, ask why? In newer condo and townhouse projects, builders sometimes charge lower fees to entice buyers. Yet, once the units are sold and the property is turned over to the HOA, the fees increase significantly in order to cover the costs of maintenance and reserves. Ask if the community has done a reserve-fund review in the past five years.
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  According to Lester Giese, the author of The 99 Best Residential & Recreational Communities in America, he recommends the following formula: If the complex is one to 10 years old, the reserve fund should have 10% of the cost of replaceable items (roofs, roads, tennis courts, etc.). Between 10 and 20 years old, the repair fund should be at 25% to 30%. At 20 years, that amount should be 50% or above. Residents who brag that they do not pay much in maintenance may be in a complex that either is not being kept up well or is living
   Liens
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 One thing to be careful of is that the HOA may place liens on units for non-payment of fees and seek a deficiency judgment against any of the unit owners for non-payment. You could be on the hook for the seller’s delinquency. A title report should disclose any liens placed on the unit you are buying. Do not assume, however, that the condo association will put a lien on all outstanding fees, and that it will therefore appear in the title report. You must get a guarantee from the seller that all fees are paid as agreed as well as an estoppel letter from the HOA. A good title company or closing attorney can help you with this but be sure to make the request.
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  Condo docs
   State governments require condo developers to file a declaration with the local county, which describes the condominium project, establishes a homeowners association and either refers to or includes the bylaws. The bylaws govern how the association should be run, such as the number of meetings per year, required votes, and the election of directors and officers. The declaration may contain covenants, conditions and restrictions (CC&R’s) which are rules specifying how condo owners may use their property and the common areas. These rules are binding on all purchasers. Once the developer hands the project over to the HOA, additional rules can be added through voting (according to the bylaws established).
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 CC&R’s and condo regulations limit the rights of property owners, but with the intention of retaining and improving the value of the property in the subdivision or project. Possible restrictions could be pets, holiday decorations and home businesses.
 You should be sure to get a copy of the declaration, the bylaws (if not included) and all rules and regulations established by the condo association to make sure you are aware of any restrictions that will conflict with your intended use of the unit.
  A good friend failed to do this before his purchase and then learned that the association had to approve all new tenants, his investment unit sat vacant for over a year and a half because their requirements were so strict. He eventually lost the place because he could no longer afford to make payments on a vacant condo.
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 Renting, Resale & Financing
 Should you make sure not only you are aware of and willing to accept the restrictions imposed by an HOA, you need to ensure that the rules are sufficient to maintain your investment objective and resale value of the unit? If the tenant population is over 10%, there should be clear rental policies, either listed in the bylaws or appended as an amendment. Will the management company find tenants for you? Are you allowed to find your own? If the management company does it, do they get enough good tenants? You might want to ask other tenants or owners about their experience. In addition, ask to see the association’s lease, and have a real estate attorney review it to protect you.
  An important thing to consider is that an association can change its bylaws to prohibit or restrict renting at any time. The more owners who rent, the less chance that will happen. More importantly on resale, a lender may consider all units in a condominium project that allows too many rental units to be investment property. For example, if the complexes rules allow 30% or more units to be rented (even if they aren’t actually rented) lenders could deny potential buyers a home loan for an owner occupant and will instead offer an investment property loan that may require a lower loan-to-value ratio and a higher interest rate. If a rental restriction is not in place, or if there is room for the HOA to adjust the level of rentals, your ability to sell the unit later could also be impaired.
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  Caveat Emptor
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 Buying a condo or town home may seem easy compared to buying a single family house. However, in many ways, it carries a higher level of risk and requires more due diligence on the part of the purchaser. Just as you might when purchasing a single-family house, a home inspection by a reputable and knowledgeable in inspector is recommended. For owner occupants  and tenants condominiums and town homes offer many benefits such as on-site amenities, low maintenance and convenience. Condominium and town home living often provides a desirable lifestyle for many given their tendency to be located in pedestrian-friendly neighborhoods or other urban environments. These benefits however, do not always translate to an ideal investment. It is always up to the investor to perform their due diligence, examine all documents at closing.
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       Mel Feller, MPA, MHR, is a well-known real estate, business consultant, personal development
Consultant and speaker, specializing in performance, productivity, and profits. Mel is the President/Founder of Mel Feller Seminars with Coaching For Success 360, Inc. and Mel Feller Coaching, a real estate and business specific coaching company and Mel Feller Ministries. His three books for real estate professionals are systems on how to become an exceptional sales performer. His four books in Business and Government Grants are ways to leverage and increase your business Success in both time and money! His book on Personal Development “Lies that Will Sabotage Your Success”. Mel Feller is in Texas. Visit www.melfeller.com and www.melfellersuccessstories.com  
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The Ultimate Guide To Restoration Companies Dallas Tx
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Make sure the space is perfectly ventilated when making use of bleach solution. To do this, pour the borax and h2o combination onto the contaminated space, making certain the whole region is lined. Once the area is clean you should then disinfect it with a combination of chlorine bleach and h2o. You can uncover a science project escalating in any moist inaccessible location. The filthy black traces expanding up on your walls are the black molds. The detail about mold and mildew is that they the local air duct cleaning companies two are humidity type molds. The 1st point you have to have to do is to make sure the impacted room has loads of ventilation. So there is no need to rush to thoroughly clean it. There are hundreds of microscopic varieties of fungi that mature into obvious colonies beneath the suitable situations. Please get hold of our Support Network at our head office environment who can set you in contact with the right member of our team to discuss your business requirements. Located proper right here in New York City, Habitat Safe Solutions serves the bordering Tri-State area with prime-good quality workmanship and effectiveness to provide you with a truly enhanced indoor air quality. Give us a simply call currently for a cost-free, upfront estimate on mold remediation, asbestos elimination, or any of our other harmless and powerful home advancement services.
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What Type of Property Can Be Insured With Home Insurance in Naples,Florida
Anyone who has bought a  property in Naples Florida has shopped for one homeowner’s insurance in Naples FL– some might call it a necessary evil; others peace of mind in times of crisis. And while most people are persuaded by banks to purchase homeowners’ insurance in Naples Fl few people understand exactly what Naples insurance company to trust, who’s the most reliable Naples insurance agency what their policy does, when to make policy changes, where to shop for it, why it is priced the way it is or – most importantly – how they can take control of the process. It doesn't matter whether you live in a one-bedroom flat or a five-bedroom detached house, your home is no doubt your castle. So it's important to make sure that you have the right protection in place in case something should go wrong. What if there was a fire or the roof was damaged in a storm? Would you be able to pay for the repairs? And where would you live if your house was uninhabitable? Your home also contains some of your most valuable possessions. Could you afford to replace your flat-screen TV or your jewelry collection if you were the target of burglars? There are five policies that are the most frequently offered to homeowners so they can ensure their property in the state of Florida: 1.Owner-occupied: There are three types of policies that cover owner-occupied, single-family homes:  a)Basic Form or HO-1HO-1 is not frequently sold nowadays, because its coverage is too narrow.    b)Broad Form or HO-2HO-2 or Broad Form policy also covers living expenses in cases where the insured property is unsuitable for living. Some of the perils usually covered are windstorm, lightning, hail, and fire or explosion. In this type of policy, if a peril is not explicitly included, then it is excluded from coverage.   c)Special Form of HO-3 HO-3 policy – also known as Homeowners 3 or Special Form – covers any direct damage to the house and other structures on the property caused by any perils that are not explicitly excluded in the policy; this policy is the most commonly bought because it has the minimum coverage required by lenders. In the case of loss of personal property, the coverage only protects against losses due to the dangers listed on the insurance policy. 2.Condominium Unit-Owner or HO-6: This policy primarily provides coverage for personal property and liability of the insured, as well as some coverage for the structure. This type of policy typically covers listed perils, but additional coverage can be purchased. It also provides Loss Assessment Coverage, which means it pays your share of expenses on common property loss. 3.Renters, HO-4, or Contents Broad Form: It is a variant of the HO-2, aimed towards those who rent rooms, apartments, or houses. It covers the insured's personal property that is within and outside the structure. Also, it includes liability insurance for damaged property and for injuries to the other people in the property. It can also include limited coverage for property alterations made by the renter. 4.Modified Coverage Form or HO-8: This type of policy, offered by many insurers in Florida, was designed for older homes, which typically have higher replacement costs than their market value. HO-2 provides functional replacement, which implies reconstruction with less costly materials that perform the same function. This type of policy offers less coverage than the HO-2. It may include theft coverage, but it is limited to $1,000 per event. 5.Dwelling Form:This type of policy is used to cover risks that might not be covered by the homeowner’s insurance policy. In the case of mobile homes, many insurance companies have discontinued policies for these types of homes, but a dwelling form can be issued to cover it. If you are looking for homeowners insurance in Naples Florida, give us a call at Ackerman Insurance Services. One of our representatives will be happy to answer any questions you may have. You can also follow us on your favorite social media.       Leading carriers with great claims service. Unlike most insurance agencies, we provide you with lower rates without sacrificing coverage. Our goal is to ensure the satisfaction of our customers with comprehensive insurance options that efficiently meet their coverage needs. Ackerman Insurance Services, for all your insurance needs.       Summary:            Ackerman Insurance Services offers homeowners and condo insurance to the residents of Naples, Palm Beach Gardens and the rest of Southwest Florida. It is our privilege to offer insurance coverage that will give your home the protection it needs and the peace of mind that you deserve. We understand that your home and everything in it is of the utmost value to you.  
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tipstosellhomefast · 5 years
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New Post has been published on Homes Below Market | Homes For Sale Dallas TX Area
New Post has been published on https://foreclosures-dallas-texas.com/condos-no-longer-the-cheaper-alternative-2/
Condo’s, No longer the Cheaper Alternative
Condo’s, No longer the Cheaper Alternative
Expert offer advice for real estate practitioners navigating the expanding condominium market. The choices for today’s condo market are filled with more and more options. From the ultra luxury $2,000,000 plus penthouses that equal million dollar single family homes, to ultra-luxurious hotel condos, to 600 sq. ft. studios. This diversity of residences allow the growing condo market to offer many choices for every level of home buyer. The word condominium actually describes individual ownership in a multiunit structure, not the architecture of a property. In the 1970s and ’80s, condominiums were thought to be a choice only for first-time home buyers and retirees. For Dana Berke, director for the Ultra luxury Condominium Division of www.chicagosbesthomes.com, Chicago, Il., that ownership centers around a specialized buyer looking for a high-quality lifestyle, stunning views, top-notch locations, and world-class amenities and they are willing to pay for it. From new money rich baby boomers to retirees, luxury condo living is in demand across the country. In addition to Chicago, luxury condos have strong growth in all the major markets, including Las Vegas, South Florida, Scottsdale, New York, and Pittsburgh. According to La Jolla, Calif.-based DataQuick Information Systems, California recorded 1,677 condo sales in the $1 million category last year, up more than 90 percent from 879 in 2004. These luxury dwellings often include a doorman, concierge service, 24-hour monitored security and security staff, maid service, luxury spas, pools, tennis and racquetball courts, state-of-the-art fitness centers, designer appliances, top-of-the-line fixtures and lighting, marble floors, walk-in closets, wireless Internet access in all common areas, owner’s lounges, business centers, wine rooms, movie theaters, and valet and underground parking. But luxury costs. Price per square foot can start as high as $600, Some areas are starting at $800-$1000 per square foot. The Luxury Condo-Hotel market can start as high a $1250 per sq. ft. The other costs are the monthly assessments that can cost as much as $1,000 to $3,000/month. 9/11 seems to have had a hand in the booming luxury condo market. People have decided they no longer want to wait till retirement for that condo by the ocean, or that downtown high rise. In addition to all the luxury amenities, people also want more room. The 2000 sq ft. 3 bedroom condo is no longer the norm, people want 4000+. Of course, a condo doesn’t have to be new or luxurious to be desirable. Recognizing the need for affordable housing, and increased building costs and land restrictions in many markets over the past 15 years, developers and investors have been turning attached rental apartment into condominium communities and the movement to convert has never been stronger than in the past year. Even at this end home buyers, looking for a small 1 bedroom or studio, people want choices. Granite, Stainless Steel appliances, hardwood floors. No longer are they willing to take whatever is available in their price range, they seek out new developments where they can make their own choices. Many developers are building condos in this price range, they can sell them out quickly and go onto the next protect. According to New York-based research firm Real Capital Analytics Inc., nationwide sales to converters increased to more than $28 billion (representing 182,742 units) in 2005 from more than $11 billion (representing 77,193 units) in 2004. Some of these conversions are truly stunning. What starts as an old apt. building is transformed into a showcase condo building. The homes are completely gutted and replaced with hardwood floors, granite counters, stainless steel Appls. The literally replace everything in the common areas, carpet, window treatments, ornate facades & beautiful landscaping and even sometimes adding pools & spas. They usually will offer existing renters a discount to stay in the building. Condominiums are no longer a cheap alternative but a “Lifestyle”. Many condominium owners cannot imagine any other way to live.
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