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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
 New Madeira Beach Waterfront Home $500,000
4BR Updated Waterfront Pasco Pool Home $499,000
St Pete Updated Wide Waterfront Views $479,000
Waterfront Home Tampa Bay Florida 3BR $469,900
4BR Pool Home Waterfront New Port Richey $439,000
Updated 3BR Gulf Access Home Redington $399,900
Custom 4/3/3 House New Port Richey $372,000
4BR Palm Harbor Florida Pool Homes $349,900
Remodeled 3BR Waterfront & Golf Course $325,000
Gulf Access Pasco County 3BR Pool Home $315,000
Updated Hudson Florida Home Pasco 3BR $299,900
Sailboat Water Pool Home Pasco County $299,000
3Br Sailboat Water Gulf Harbors Pasco $275,000
Pasco Florida Waterfront Pool Home $275,000
Updated 3BR New Port Richey Waterfront $269,900
3Br New Port Richey Home Gulf Access $259,900
Waterfront Clearwater Pool Home Florida $250,000
Remodeled Waterfront Home Port Richey $229,900
1 minute to Gulf of Mexico New Port Richey $225,000
3Br Near Gulf Beach Hudson Pasco County $225,000
Updated Gulf Harbors Home New Port Richey $175,000
3Br New Port Richey Home Gulf Access $166,900
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
Full Details on All Above Click Here

FORECLOSURES Homes Foreclosed
3BR Palm Harbor Florida Home $114,000
3BR Clearwater Florida Home w Pool $115,000
3BR 2Story Largo Florida Home $115,500
Largo Florida Home 2Story Foreclosure $127,500
4BR Clearwater Florida Home w Pool $129,900
New Port Richey Bank Owned Home $129,900
3/2/2 Pool Home Pinellas County $134,900
4BR Dunedin Florida Home w Pool $143,450
4BR Dunedin Home Bank Owned $147,000
Pool Home Pinellas Park Florida 3/2 $161,000
4BR Newer Holiday Florida Home $168,920
Pool Home Clearwater Florida 3BR $174,900
3BR Home Palm Harbor Florida $180,000
4BR Pool Home Tarpon Springs Fl $185,000
Belleair Florida Home Bank Owned $185,500
Newer 4BR New Port Richey Home $189,900
Clearwater Florida Home w Pool 3/2/2 $199,900
4BR Home Clearwater Florida w/ Pool $201,000
4BR Clearwater Florida Pool Home $207,900
St Pete Home w Pool Bank Owned $211,000
Waterfront Home Pasco County $240,900
4BR w Pool Lake / Airplane Hanger $260,000
5BR Newer Home Palm Harbor Fl $297,500
Waterfront Pool Home Redington $301,000
4BR Updated Largo Pool Home $358,000
Newer Palm Harbor 3BR Short Sale $359,900
4BR Pool Home Palm Harbor Florida $419,900
More Foreclosure Info Click Here

Waterfront Tampa Bay Florida Condos
3BR w Boat Slip Mad Beach Waterfront $285,000
Furnished Gulf Condo Redington Beach $284,900
Waterfront w Boat Slip Treasure Island $279,000
3BR w Boat Slip Waterfront Pinellas $259,900
Waterfront w Boat Slip Villa St Pete 2/2 $249,900
Waterfront 2BR St Pete Beach Florida $245,000
Gulf Front Condo Redington Beach $239,900
2/2 Updated Waterfront St Pete Condo $230,000
Clearwater Beach Condo Updated 2/2 $225,000
Waterfront Newer Madeira Beach Florida $219,000
Waterfront Condo Dunedin Florida $190,000
3BR Waterfront Condo St Petersburg $189,000
Furnished Waterfront Condo Mad Beach $188,500
Waterfront New Port Richey Condo w Slip $179,900
Tampa Bay Waterfront Condo Penthouse $179,900
Madeira Beach Waterfront Complex 2/2 $175,000
2BR Investment Waterfront & Golf Course $175,000
Waterfront Condo Treasure Island w Slip $174,000
Waterfront Dunedin Condo with Boat Slip $169,000
Gulf Front Condo Income Treasure Island $150,000
Waterfront Furnished near St Pete Beach $149,900
Waterfront Condo Pinellas Furnished $147,500
Waterfront 2BR Treasure Island Florida $143,000
3BR Waterfront Dunedin Condo $135,000
Waterfront Condo Tampa Bay Florida $127,500
3BR Waterfront Tampa Bay Florida $110,000
Full Details on All Above Click Here

FORECLOSURES Condos Foreclosed
Waterfront St Petersburg Condo 3/3 $335,900
Gulf Front Redington Beach Condo $323,900
3BR Gulf Investment St Pete Beach $269,900
4BR 5BA Waterfront Palm Harbor $268,043
Gulf Front Condo Redington Beach $239,900
Updated Redington Beach Florida $219,900
Newer 3/3 Palm Harbor Florida Condo $211,900
4BR Short Sale Pinellas Town Home $196,000
Newer Waterfront Seminole Florida $189,900
Newer 3BR Townhome Largo Florida $184,500
Waterfront Condo w/ Boat Slip 2/2 $179,900
Waterfront Condo w/ Boat Slip 2/2 $174,000
2BR w Boat Slip Waterfront St Pete $168,900
Newer 3BR Fast Tampa Access $161,916
3BR Villa w/ Garage & Golfing $159,900
Waterfront Tampa Bay Condo 2/2 $156,500
Newer Downtown Clearwater Condo $145,000
3BR Newer Condo Largo Florida $140,000
3BR 3BA Town Home Pinellas N $139,900
Beach Community Pinellas Condo $135,900
Condo Largo Florida Lake / Golf 2/2 $130,000
Tampa Bay Waterfront Condo 2/2 $129,900
Waterfront New Port Richey Condo $117,500
Waterfront Condo St Pete Florida $109,900
3BR New Port Richey Town Home $107,500
Waterfront Condo Clearwater Beach $104,000
Palm Harbor Florida Villa 2/2 $99,900
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
Tampa Bay Real Estate Prices
   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
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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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