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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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.

HOW ARE THINGS DOING? That was the #1 question we get and it's still relevant.

The answer is BETTER and there are six reasons:
1) Prices are more reasonable - actually at about the 2002 levels so if you owned your home before then you are in good shape. If you bought during the craze of 2004 to 2006 or refinanced and took money out well you are probably hurting. We are used to real estate values rising, but when we buy a car we don't expect it to gain in value. you loose 35% of the value of a new vehicle as soon as you drive it off the lot. This downturn did that to houses, but they remain a good investment because you need a place to live anyway and over time real estate will gain in value.
2) People still need a place to live and as the population grows the demand for housing grows so there are more buyers for the homes on the market.
3) Homeowners are realizing that they can sell their home and buy another in another location and are not really going to get hurt. Yes, they are getting less for their present home than they would like, but they are getting the next home for a lower price as well.
4) 2013 & 14 seem to be bringing a slight upturn in prices, but not as great as in the metropolitan areas like Tampa, St. Petersburg, and Clearwater so more buyers are looking at Hernando County. Hopefully these trends will continue; as it is Hernando County is a great place to buy and there are bargains to be had.
5) We are seeing a lot more demand for the second or vacation home and there are more buyers out looking.
6) The investment confidence has switched from paper investments to Real Estate.

A word of caution on the so called SHORT SALE where the home is selling for less that the mortgage amount. It's the lender that decides if they will sell it and what for. This can take as long as 18 months so be prepared to wait, and wait, and wait! The trend is that lenders are moving directly toward foreclosure and not paying much attention to short sales.

Purchasing a REO or Lender owned property is much easier. In this case the lender already has foreclosed and owns the property and they do want to sell it. Sales of these homes are much quicker, but in either case be prepared to supply a Proof of Funds letter . Lenders won't mess around with buyers who are not pre-qualified.

What can you do? Get Pre-Qualified!

Investors are buying foreclosed or short sale properties and fixing them up for rentals. The banks still have not sped up thier process much, but we are seeing multiple offers on these properties. It is very frustrating to the buyer, especially if they are just trying to get a home to live in. Most of these properties need work, sometimes a lot of work, do if you are looking for a home to live in look for one that is seller occupied and you'll generally end up with a better deal. Many investors already have contractors already on the "payroll" so fixing up a place is normal with them.

Additionally fuel prices still play an important part of the decision to where buy. People try to minimize the commuting time and distance to their work. That brings us to the real problem we have here in America. We have exported so many jobs that we donít have them here anymore. I encourage you to buy American and keep Americans at work!

What about upgrading my home? If you are not in the market for a new home it's a good time to consider upgrading your home. Builders are offering very good deals on remodeling. Well planned upgrading will increase the value of your home and if we get people back to work. Remember, you are putting American workers back to work. We need jobs here - not somewhere on the other side of the planet.

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 Greeter *

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.

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 frequently in the office till 8:00 PM to handle your inquiries since I prefer to be on the water showing you property during the day. E-mail is the greatest thing since the spinning reel because you can leave me a message and I can send you an answer without worrying 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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