7404 Shoal Line Blvd, Weeki Wachee, FL 34607

Paula and Chuck Morton

Broker / Owners

352-597-4424 or 352-592-0097
Fax 352-592-0053

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The entire waterfront scene has changed since 2014 when the Biggert Waters act took affect. Essentially it prices Flood Insurance priced by risk, without a subsidy. Ground level homes below the Base Flood Elevation (BFE) have a higher premium than a stilted home next door. Sales of ground level homes has been very good, but the buyers are virtually all cash buyers.

Prices are rising slowly. I don't look for a big run up as in years past, but a gradual rise is the trend. With the low interest rates the appreciation should offset the interest cost.

We are seeing an increase in building activity shich is the best indication of an improving ecomony. A lot of the "bargains" were purchased in late 2014 - early 2015, but they were often homes that needed remodeling so an apparent rise in prices is merely bringing them up to snuff.

That was, and is, the problem with Short Sales; often they need so much work that they end up costing more than a well mantained home.

If you are looking to sell -- price it with the market. Overpricing a property is a waste of time and money.


The number one reason is security. If an unknown person shows up at your home and you let them look around; they may well be casing the place out. You haven't pre qualified them or even got an idea what they are looking for. A REALTOR does that, they will make an apointment to show which allows you to prepare the home for showing.

One point I'd like to mention -- do not keep your medications or jewelry in the bathroom if you have your home for sale; that is the one place the agent can't go with the prospect! Not everyone is an honest as you are so avoid the temptation and put medications and jewelry elsewhere.

It's a proven statistic that REALTORS do make you money over the FSBO (For Sale By Owner) and they save you time by being avaialble pretty much all the time to answer a prospects questions.


Basically the so called "subsidy" is going away and the rates will be by the risk factor. A properly built stilt home is less venerable than a ground level home so the rate on the ground level will be higher than on the stilt. This is not just a coastal issue, remember the National Flood Insurance Program is nationwide so people with properties along rivers, lakes and even low lying areas are affected.

In Hernando County there are over 20 "watersheds" and virtually all of them have a flood area. Obviously the risk inland is generally not as great as coastal areas in a hurricane, but if it is a rain and not a wind event they may well be more venerable. During Tropical Storm Debby in 2012 many areas inland flooded and the water just ran off in the coastal areas. The same thing has happened this year, 2013, during our extra heavy rain periods.

Hernando County has very useful interactive maps you can use to check the flood rating on any property within the county.
Click on Flood Maps after it opens just put in an address at the top center where it says "20 N. Main St". You will have to put your cursor after the "t" and backspace till the 20 N Main St. is gone, then enter the address you want and hit enter or click on the magnyfing glass icon. It's best to leave off the Ave, St, Dr, etc.

Another site that some insurance agents use is Just put in your address and don't use any commas between city and state. It's easy to use for a preliminary search. A and V zones are flood zones, but it explains that if you are in a flood area.

BUY AMERICAN - support your neighbor!

COASTLINE REALTY SERVICES Inc. , is owned and operated by Paula and Chuck Morton, licensed Florida Real Estate Brokers. We're conveniently located 1/2 mile south of CR 550 in Weeki Wachee. We specialize in waterfront properties in the Hernando Co. Florida area. That's on the Gulf coast about 50 miles north of Tampa/ St. Petersburg.

If you wish, we will show you property by boat so you can see the water side of the parcel and how to get to it by water. After all it's the waterfront you are paying for and we feel you should see it from the water side and to understand the waterfront lifestyle.

Paula and Chuck have been selling real estate for over 27 years and offer our expertise to you. We want you to be pleased with your purchase. Customer satisfaction is our goal.

All our associates are waterfront residents and specialize in waterfront residential and commercial sales.
To reach any of our associates, you may call them at our office: (352) 597-4424, or you may contact them at their home numbers or email listed below.

<< Kirby * Official Greeters * Daisy, the Weather Girl >>

Kirby has a real problem - He can't hold his licker. Other than that he loves everyone, you will find him looking out the window at you when you arrive or pretending to be an agent asleep at a computer.

He has an couple of "rescue" buddies, Muffin and Daisy, so he's been staying at home with them lately.

Daisy doesn't like storms and can detect one 50 miles away so she often stands in for Kirby at the office and lets us know if a thunderstrom is brewing.

Paula Morton * Broker - Owner *

(352) 597-1220

Chuck and I have been REALTORS since 1986, first specializing in farms and homes in OHIO, but returning to Florida in 1995, the State where I grew up. Chuck and I met at North Carolina State back in 1965 and both love the South so it was only natural for us to settle on the Nature Coast where we can enjoy the waterfront. We specialize in waterfront properties, but are happy to assist you with any properties in the Hernando County area.

Paula & Chuck having a bit of fun

as members of the FREEBOOTERS Krewe

Capt. Chuck Morton * Broker - Owner *

(352) 597-1220

I'm currently serving as the 2015 President of the Hernando County Association of Realtors so I am frequently in the office till 8:00 PM to handle your inquiries. E-mail is the greatest thing since the spinning reel because you can leave me a message and I can send you an answer from werever I am and don't have to worry about waking you up. HAVE A QUESTION? PLEASE SEND AN E-MAIL

Katrina Rice * Realtor Associate *

(352) 232-5868

I work with both buyers and sellers and am ready to find you your home in Florida.








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