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Charles Rutenberg Realty, Inc.1545 S Belcher Rd, Clearwater Florida - Michael "Max" Kuzmicz and The Top Team

We Offer Buyers Full Access to All Tampa Bay Real Estate MLS Listings Homes Condos Townhomes Villas Gulf Front Waterfront Golf Courses and more
Florida’s home and condo real estate sales continue to show gains in third quarter 2011 compared to the same time a year earlier

Question from Jim W.
I want to buy a Tampa Bay waterfront condo under $230,000 this year but I'm afraid that real estate prices will continue to decline. I already have a loan approval but want your opinion on the real estate market direction.

Let's assume you are correct and real estate prices drop by another 10%. If today's very low interest rates increase by just 1%, then your monthly payment on a 30 year fixed loan won't be any lower even though home prices dropped by 10%. If real estate interest rates increase more than 1%, your monthly mortgage payment will be higher.

Now's the right time to hook up with the Top Team real estate buyer agents. We typically negotiate asking prices down for our buyers in this Tampa Bay market. Do the math and be a wise buyer.

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Foreclosures
Homes For Sale
$100,000 to $150,000
$150,000 to $200,000
$200,000 to $300,000
$300,000 and Higher

Foreclosures
Condos Townhomes
$100,000 to $150,000
$150,000 to $200,000
$200,000 to $300,000
$300,000 and Higher

Waterfront Tampa Bay Florida Homes
2 Story 4Br Tampa Florida Home on Canal $699,900
4BR Updated Waterfront Pool Home $499,000
Updated Wide Waterfront St Petersburg $479,000
Waterfront Tampa Bay Home 3BR $469,900
Wide Waterfront 3BR Pasco County $469,000
4BR Pool Home New Port Richey $439,900
Updated 3BR Gulf Access Redington Fl $399,900
3Br New Port Richey Home 2500sg ft $374,900
Custom New Port Richey House 4/3/3 $372,000
4BR Palm Harbor Florida Pool Homes $349,900
Remodeled 3BR Waterfront & Golf Course $325,000
Gulf Access Pasco 3BR Pool Home $315,000
Sailboat Water Pool Home Pasco County $299,000
3Br Sailboat Water Gulf Harbors Pasco $275,000
Pasco Florida Waterfront Pool Home $275,000
Updated Waterfront New Port Richey 3BR $269,900
3Br New Port Richey Home Gulf Access $259,900
Gulf Access Home New Port Richey $225,000
Updated Home New Port Richey Florida $175,000
3Br New Port Richey Home Gulf Access $166,900
Gulf Access Home 2/2 Hudson Florida $152,900
Gulf Access Waterfront  Home Port Richey $150,000
Updated Hudson Pool Home Canal 3BR $139,900
Waterfront Home Pasco County Florida $127,900
3BR Waterfront Home Port Richey Florida $112,000
3BR Waterfront Home Port Richey Florida $99,900
Full Details on All Above Click Here

FORECLOSURES Homes Foreclosed
Dunedin Florida Condo Villa 2/2 $89,900
2 Story Safety Harbor Home 3/3/2 $90,900
Palm Harbor Florida Villa 2/2 $99,900
3BR Clearwater Home Bank Owned $109,900
4BR Pool Home New Port Richey $109,900
Pool Home St Pete Florida 3BR $115,000
Condo Largo Florida Lake / Golf 2/2 $130,000
Updated 3BR Clearwater Florida Home $124,000
4BR Pool Home New Port Richey $137,900
6BR Pinellas Park Florida Home $149,000
3/2/2 Pool Home N Pinellas Tarpon $154,900
4BR Dunedin Florida Home w Pool $158,945
3BR Trinity Pasco County Homes $159,900
3BR Home Palm Harbor Florida $180,000
4BR Home North Pinellas County $174,900
Pool Home Clearwater Florida 3BR $185,900
4BR Clearwater Florida Home w/ Pool $189,900
Newer 4BR New Port Richey Home $189,500
4BR Pool Home Tarpon Springs Fl $194,000
5BR Newer Home Palm Harbor Fl $297,500
4BR Pool Home Clearwater Florida $294,900
Waterfront Redington Home 3BR $309,900
Waterfront Pool Home Redington $406,000
Waterfront St Pete Beach Home $424,900
More Foreclosure Info Click Here

Waterfront Tampa Bay Florida Condos
Gulf Front Condo St Pete Beach Florida $349,000
Gulf Front 2BR on St Pete Beach Florida $339,000
Furnished Gulf Beach Condo w Income $300,000
Newer Condo I R Beach Waterfront  $299,900
3BR w Boat Slip Madeira Beach Fl $285,000
Waterfront w Boat Slip Treasure Island $279,000
Waterfront Updated Condo Sand Key $250,000
Gulf Front Condo Redington Beach Fl $249,900
Waterfront w Boat Slip Villa St Pete 2/2 $249,900
Waterfront 2BR St Pete Beach Florida $245,000
2/2 Updated Waterfront St Pete Condo $230,000
3/3 Townhome w Boat Slip Mid Pinellas $225,000
Waterfront Updated Clearwater Beach $219,700
Waterfront Newer 2BR Madeira Beach $219,000
Waterfront and Golf Course St Pete 2/2 $212,000
New Condo Near Clearwater Beach 2/2 $204,900
Waterfront St Petersburg Condo w/ Golf $199,900
Waterfront Condo Dunedin Florida $190,000
Madeira Beach Waterfront Condo 2/2 $175,000
2BR Investment Waterfront and Golf $175,000
Waterfront Condo Near St Pete Beach $150,000
3BR Waterfront Dunedin Florida Condo $135,000
Waterfront Condo Tampa Bay Florida $127,500
Dunedin Florida Retirement Condo 2/2 $112,900
3BR Waterfront Tampa Bay & Golf $110,000
Furnished Tampa Bay Condo & Golf $90,000
Full Details on All Above Click Here

FORECLOSURES Condos Foreclosed
Income Furnished Clearwater Beach $699,900
Waterfront Pinellas Condo Updated $448,900
Waterfront w/ Boat Slip 3BR Pinellas $399,000
3BR Waterfront St Petersburg Condo $350,000
Waterfront St Petersburg Condo 3/3 $335,900
3BR Gulf Investment St Pete Beach $289,900
4BR 5BA Waterfront Palm Harbor $282,150
Gulf Front Condo Redington Beach $249,900
Updated Redington Beach Florida $219,900
Newer 3BR Townhome Largo Florida $184,500
Waterfront Condo w/ Boat Slip 2/2 $179,900
2BR w Boat Slip Waterfront St Pete $174,900
Waterfront Condo w/ Boat Slip 2/2 $174,000
Newer 3BR Fast Tampa Access $161,916
3BR Villa w/ Garage & Golfing $159,900
Waterfront Tampa Bay Condo 2/2 $159,000
Newer Town Home St Petersbrug $124,900
Waterfront New Port Richey Condo $117,900
Waterfront St Petersburg Condo 2/2 $115,900
Waterfront Condo Clearwater Beach $109,500
Furnished Condo Palm Harbor Fl $104,900
Palm Harbor Florida Condo 2/2 $99,900
Dunedin Florida Condo For Sale 2/2 $89,900
Palm Harbor Town Home Foreclosure $84,000
More Foreclosure Info Click Here

Search Homes
Waterfront Gulf Beach
Lakefront, Tampa Bay
Under $150,000
$150,000 to $200,000
$200,000 to $250,000
$250,000 to $300,000
$300,000 to $350,000
$350,000 to $400,000
$400,000 to $450,000
$450,000 to $500,000
$500,000 to $600,000
$600,000 to $700,000
$700,000 to $800,000
$800,000 to $900,000
$900,000 and Higher
More info Click Here

Tampa Bay Condos
On or Near Beach
Waterfront - Gulf
Under $150,000
$150,000 to $200,000
$200,000 to $250,000
$250,000 to $300,000
$300,000 to $350,000
$350,000 to $400,000
$400,000 to $450,000
$450,000 to $500,000
$500,000 to $600,000
$600,000 to $700,000
$700,000 to $800,000
$800,000 to $900,000
$900,000 and Higher

Homes Golf Course
Complex Tampa Bay
Under $200,000
$200,000 to $250,000
$250,000 to $300,000
$300,000 to $400,000
$400,000 to $500,000
$500,000 and Up
More info Click Here

Condos Townhomes
Golf Communities
Under $200,000
$200,000 to $250,000
$250,000 to $300,000
$300,000 to $400,000
$400,000 to $500,000
$500,000 and Up
More info Click Here

Tell us.....If you want to Drive by Properties First to Check out Neighborhoods - Email Us Here
Condos continue to be foreign buyers’ residence of choice with condominium sales accounting for more than 70 percent of purchases.
In the last few years, International buyers have been largely cash buyers. 91 percent of Canadians who bought real estate property in Florida paid cash,
90 percent of Western Europeans, and 88 percent of Venezuelans, according to the latest international report by the National Association of Realtors.

What is the value of any real estate home or condo in today’s market? When the market is composed of traditional listings with average
selling marketing time frames ... it is easy to gather comparable sales data ... that can target what a home is worth to a buyer.
Considering the large amount of foreclosures, REO bank owned properties and short sales ... the market has become somewhat skewed.
It is more challenging to get a handle on what a given piece of property will command. It's critical that a good agent is contacted and
trusted that is in tune with the dynamics impacting values in a given area. Making an appropriate recommendation to a
buyer as to a reasonable offer requires professional skill and knowledge.

CURRENT Tampa Bay WEATHER - Pinellas County St Pete to Clearwater - TEMPERATURE AND DAILY FORECAST
All Florida Listings by City > Free Search Here
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   Area Map and Information Click Here
Sliding Discount Real Estate Commissions for Sellers Top Team Home Run
Before you reveal personal information to ANY Agent ...read this > Florida Real Estate

Charles Rutenberg Realty, Inc.1545 S Belcher Road, Clearwater Florida 33764
Free No Obligation Consultations - Kuzmicz of The Top Team
We are Buyers Agents with access to every Florida Listing
Why you should use a Realtor®          Real Estate Code Of Ethics

We Specialize in Gulf Front, Waterfront, Pre Construction Real Estate, Investments,
Luxury Estates, Multi Million Dollar Properties. Serving the 6 County Tampa Florida
Area of Pinellas County, Pasco, Hillsborough, Hernando, Manatee and Sarasota

Pinellas County Florida Golf Course Homes and Condos View Here
Tampa Bay Home Search   ALL AREA Tampa Bay Real Estate Prices Free Search Here
 Investor and Negotiation Specialists Investment Condos
Real Estate Investments for Canadians, Brits and European Investors - Note this is Florida buyers market and
the dollars decrease returns increased value to overseas buyers. Many of the units can be purchased for
your vacation and rented for income when you are not using the property. We represent Buyers and
NOT the Sellers. We have a long record of negotiating asking prices down through extensive research
that is relayed to our buyers for consideration and offers. Questions or Assistance - Phone 727-399-1347
Luxury Home Search .com    Condo Rentals

Foreclosed Real Estate Bank Owned Pre Foreclosures Florida California Nevada New York
New York Homes Foreclosures   California Homes Foreclosures    Nevada Homes Foreclosures   Florida Homes Pre Foreclosures

FORECLOSURES AND SHORT SALES - TIME FRAME AND MLS ASKING PRICES - Sellers who are forced out of their homes are usually not pleasant to work with. The bank employees who are just doing their jobs follow procedures that many times keep the buyer in suspense. Because of the large amount of foreclosures, banks are overloaded with work and their response time could be lengthy. Even though they want to sell a home, they will push to get the best price to minimize their losses. They don’t usually play by your rules, they have their own paperwork and time frames. Unlike real home sellers, they’re really “detached” from the properties they sell. They could take 1-3 months just to respond to your offer, and it could take sometimes 6 to 9 months to close a transaction. In most of the cases, their counter-offer to the buyer will be the actual appraised value which could be much more than the asking price you saw in the MLS. Short sales and pre-foreclosures could be a good deal if you have the patience. You may have to be rejected many times before somebody accepts accepts your offer. First time home buyers and buyers with short term move in dates should avoid short sales.

Foreclosure News Archives October 8, 2010  The country’s largest bank, Bank of America widened its investigation into the flaws of the foreclosure procedures. As a result, foreclosure sales in all 50 states were put on hold. The bank previously froze foreclosure sales in the 23 states where foreclosure must be approved by a court. Bank of America, however, stresses that foreclosure process on delinquent borrowers will still push through. The only procedures that they are halting, according are the judgment and foreclosure sales. We haven’t found any problems in the foreclosure process. What we are trying to do is clear the air, ‘We will go back and check our work one more time,’” says Bank of America President and CEO Brian Moynihan. Other banks gave into the pressure as well: PNC Financial Services Group announced it is also suspending foreclosure sales for 30 days. Citigroup, however, refuses to make changes to its foreclosure procedures saying the bank sees no reason to believe that employees are not following proper policies. Ally Financial (previously GMAC Mortgage) and JPMorgan Chase also stopped foreclosure proceedings in 23 states.

Zip codes belleair beach 33786 madeira beach 33708 clearwater 33755 33759 33764 seminole 33776 dunedin 34698 palm harbor 34684 34683 largo 33777

Web Sites for Sellers- Largo Florida Home   Clearwater Waterfront Condo    Waterfront Home in Pasco County
Sliding Discount Commissions for Sellers Top Team Home Run
Contact Us for Monthly Sales Charts such as> Housing Sales Example   Condo Sales Example
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Has the Market Finally Bottomed in Tampa Bay Florida? Review Our Blog > TampaBayViews.blogspot.com
Property Insurance Florida
Flood Zone Map from FEMA
Flood Insurance and Risk Info In 2002, the Legislature passed a law that combined the Residential Property and Casualty Joint Underwriting Association and the Windstorm Underwriting Association. This resulted in the creation of Citizens Property insurance Corporation, which more efficiently and effectively provides insurance to, and serves the needs of, homeowners in high-risk areas and others who cannot find coverage in the open, private insurance market. Web Site http://www.citizensfla.com/gen_info.asp
 

My Florida Regional MLS. Enjoy your free search and contact us to assist with your Florida real estate search. Properties are provided courtesy of Pinellas Suncoast Association of Realtors. IDX Listings shown on this web site are broker recriprocity. Real Estate Listings held by brokerage firms other than Charles Rutenburg Realty, Inc. are marked with the Broker Reciprocity logo. All information deemed reliable but not guaranteed. All property is subject to prior sale, change or withdrawal.

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