Understanding Downstairs Enclosures in the Florida Keys

by amyprumo | Oct 3, 2023 | Building in the Florida Keys, Buyer Information

Downstairs Enclosures: What You Need to Know

Background

Living in the Florida Keys comes with unique challenges, especially when it comes to understanding the rules regarding downstairs spaces in homes.

Rules for Downstairs Enclosures

Here in the Florida Keys, the entire area is at risk of flooding, so there are important rules to follow. If your house was built after 1974, one key rule is that the lowest floor of your home must be above the flood level. This is crucial to prevent flood damage to your property. Homes that were built before 1974 and have living areas below flood are grandfathered in.

What You Can Do In Your Downstairs Enclosure?

If you have a downstairs area in your home, it’s essential to know that it can only be used for limited purposes. Specifically, these spaces are reserved for parking your vehicles or storing items like lawnmowers, tools, and equipment that you would typically keep outdoors.

Understanding Flood Levels

To make informed decisions about your property, you need to grasp the concept of flood levels. The flood level is the lowest point in your home where you can have living space. To find out the specific flood levels for your area, you can easily check online flood maps.

Difference Between Spaces

To avoid any confusion, it’s vital to differentiate between your regular living spaces and other areas in your home. Living spaces are where you cook, eat, sleep, and spend your daily life. Other floors, like your downstairs area, are designated for parking vehicles or storage, such as tools and equipment.

Using Enclosure Spaces Wisely

When it comes to using the storage spaces below your home, keep in mind that they should exclusively serve for parking cars or storing items like lawnmowers and tools. It’s essential not to place furniture or belongings that can’t withstand exposure to water in these areas. The purpose of these spaces is to provide a safe and dry spot for items typically stored outside.

Seeking Guidance

If you ever find yourself uncertain about these rules or need further clarification, don’t hesitate to reach out and contact us.

You can also contact the folks at the Monroe County Growth Management Division, Office of Floodplain Management. You can give them a call at 305.453-8759. They are there to assist you in understanding and complying with the regulations governing downstairs enclosures in the Florida Keys.

Good

Downstairs Enclosure

Bad

Downstairs Enclosure

New Regulations Came out about downstairs enclosures

so be sure to read our other post

– Buying a home in the Florida Keys – Downstairs Enclosures

– Florida Keys Building – Downstairs Enclosures

You might also want to check out :

– Breaking Down Flood Maps in the Florida Keys

If your thinking about buying a home in the FloridaKeys, be sure to check out our main Buying Page for some really great information!

You can also Contact Us with any of your buying questions. We would love to hear from you.

Prumo & Carden

Amy’s success as a Florida Keys Elite Agent and Diamond Award Winner is truly awe-inspiring. With over 13 years of experience in the real estate industry, she has cemented her position as a trailblazer and pioneer. Her unwavering commitment to excellence is reflected in her impressive academic credentials, which include a Master’s Degree in Marketing and Management. Amy’s marketing programs are simply unmatched, ensuring that your property is showcased to the widest audience of potential buyers, thus guaranteeing maximum exposure.

Tom is an accomplished expert in the Building, Planning, Zoning and Development field, with an extensive career spanning over several years. He has worked in the Civil Engineering Department for the USAF and was the Building Official/Director of Building Planning and Zoning for a municipality for over a decade. Additionally, he is the owner of Alliance Custom Builders, a testament to his entrepreneurial spirit. Tom’s impressive track record includes building homes in both Marathon and Key Colony Beach. He holds twenty licenses through the International Code council, including Commercial & Residential Plan Reviewer and Certified Building Official, cementing his position as a true leader in his field.

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Florida Keys Investment Property

by amyprumo | Sep 28, 2023 | Buyer Information, Key Colony, Marathon

Florida Keys Investment Property

Explore a world of possibilities in the vibrant Florida Keys real estate market, brimming with investment properties waiting to be discovered. Whether you are on the lookout for lucrative short-term rentals, multi-family homes for sale, or your dream vacation home, rest assured, we have you covered!

In this tropical paradise, your options are as diverse as the colorful coral reefs that surround us. You can choose from an extensive range of properties, including single-family houses, condominiums, townhomes, duplexes, and triplexes.

The appeal of high rental income isn’t limited to a particular season; it’s a year-round affair, thanks to our perpetually sunny climate and continuous stream of visitors.

If you’re considering investing in a vacation rental or a multi-family home, especially those allowing legal 7-day or shorter rentals, you’re unlocking a golden opportunity to reside in the captivating tropical haven that is the Florida Keys.

Focus on the Middle Keys

When it comes to maximizing rental income with Florida Keys investment property, the Middle Keys take the spotlight. Specifically, Marathon and Key Colony Beach offer a unique advantage, thanks to their accommodating municipal policies that permit weekly rentals.

While many other keys typically require a minimum stay of 28 days, there are hidden gems scattered throughout that do allow for weekly rentals.

Waterfront Single Family Homes

If you’re aiming for a Florida Keys investment property that truly stands out, envision a waterfront single-family home with a pool. This combination performs exceptionally well in attracting guests and generating income. However, if a pool isn’t part of the equation, fret not, as long as your property boasts waterfront access, you’re on the right path to maximizing your rental revenue.

In the Florida Keys, waterfront is the key to a successful investment.

Key Colony Beach

Key Colony Beach epitomizes the essence of a miniature resort and presents a prime real estate investment opportunity. This picturesque city appeals not only to vacationers but also to winter residents seeking warmth and savvy investors looking to diversify their real estate portfolio. Whether you’re contemplating a vacation home, exploring rental income potential, or crafting a long-term investment strategy, Key Colony Beach provides a versatile backdrop for your real estate goals.

For an in-depth exploration of everything Key Colony Beach has to offer don’t forget to visit our dedicated main page.

SEARCH KEY COLONY BEACH HOMES HERE

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Marathon, Florida Keys

Marathon isn’t just for vacationers; it’s a real estate haven. You’ll find family houses, vacation rentals, and sale properties. Perfect for investors seeking Florida Keys opportunities. Whether you’re drawn to the allure of rental income potential, long-term capital appreciation, or the dream of owning a piece of the Florida Keys, Marathon offers a diverse landscape to explore and invest in.

SEARCH MARATHON HOMES HERE

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Middle Keys Condos / Townhomes

In the Middle Keys, condominiums and townhouses offer a range of rental options, but it’s essential to note that not all of them permit weekly rentals. In fact, the majority do not.

However, for those seeking weekly or shorter rental opportunities, here’s a list of properties that allow such arrangements:

Additionally, there are resort properties like Hawk’s Cay and Tranquility Bay for those looking for a different vacation experience.

If you’re planning for a slightly longer stay, consider properties with a two-week minimum rental requirement, such as Casa Clara and The Cay, both located on Key Colony Beach. These options provide flexibility to accommodate various preferences for your Middle Keys getaway.

For a more comprehensive look at Marathon, make sure to explore our main page.

Conclusion

In conclusion, the Middle Keys offer a diverse array of rental options, from condos and townhouses to resort properties, catering to different vacation preferences and real estate investment opportunities. Whether you’re seeking a short-term getaway, a potential source of rental income, or a long-term investment with the potential for capital growth, the Middle Keys have something to offer.

Explore the unique charm of this tropical paradise, where the tranquil beauty of the Florida Keys meets the potential for a lucrative real estate portfolio.

It’s time to embark on your Middle Keys adventure, combining the allure of vacation living with smart property investment choices, and create lasting memories in this enchanting coastal haven.

Learn More About Building in the Keys Here

Click Here

Prumo & Carden

Amy’s success as a Florida Keys Elite Agent and Diamond Award Winner is truly awe-inspiring. With over 13 years of experience in the real estate industry, she has cemented her position as a trailblazer and pioneer. Her unwavering commitment to excellence is reflected in her impressive academic credentials, which include a Master’s Degree in Marketing and Management. Amy’s marketing programs are simply unmatched, ensuring that your property is showcased to the widest audience of potential buyers, thus guaranteeing maximum exposure.

Tom is an accomplished expert in the Building, Planning, Zoning and Development field, with an extensive career spanning over several years. He has worked in the Civil Engineering Department for the USAF and was the Building Official/Director of Building Planning and Zoning for a municipality for over a decade. Additionally, he is the owner of Alliance Custom Builders, a testament to his entrepreneurial spirit. Tom’s impressive track record includes building homes in both Marathon and Key Colony Beach. He holds twenty licenses through the International Code council, including Commercial & Residential Plan Reviewer and Certified Building Official, cementing his position as a true leader in his field.

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Marathon Florida Pet-Friendly Condos

by amyprumo | Sep 26, 2023 | Buyer Information

Marathon Florida Pet-Friendly Condos: Bringing Your Fur Baby to Paradise!

Explore Marathon’s top pet-friendly condos for pets of all sizes.

So, you’re eager to buy a condo in the Florida Keys, but you also want to bring your beloved fur baby with you. After all, your pet is family. Fortunately, Marathon boasts numerous condo buildings, and we’ve compiled the ultimate list of pet-friendly condos suitable for pets of all sizes!

Please be aware that some condos may require board approval for pets, and there may also be restrictions on the number of pets allowed. For more details, please follow the condo links (please note that condo links are currently in progress).

Pet- Friendly Condos in Marathon That Allow Larger Pets

Pet-Friendly Condos in Marathon that Allow Small Pets

Condo’s that DON’T ALLOW any pets – Marathon, Florida

Prumo & Carden

Amy’s success as a Florida Keys Elite Agent and Diamond Award Winner is truly awe-inspiring. With over 13 years of experience in the real estate industry, she has cemented her position as a trailblazer and pioneer. Her unwavering commitment to excellence is reflected in her impressive academic credentials, which include a Master’s Degree in Marketing and Management. Amy’s marketing programs are simply unmatched, ensuring that your property is showcased to the widest audience of potential buyers, thus guaranteeing maximum exposure.

Tom is an accomplished expert in the Building, Planning, Zoning and Development field, with an extensive career spanning over several years. He has worked in the Civil Engineering Department for the USAF and was the Building Official/Director of Building Planning and Zoning for a municipality for over a decade. Additionally, he is the owner of Alliance Custom Builders, a testament to his entrepreneurial spirit. Tom’s impressive track record includes building homes in both Marathon and Key Colony Beach. He holds twenty licenses through the International Code council, including Commercial & Residential Plan Reviewer and Certified Building Official, cementing his position as a true leader in his field.

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5 Expert Tips to getting your offer accepted in the Florida Keys

by amyprumo | Sep 26, 2023 | Buyer Information

5 Expert Tips to getting your offer accepted in the Florida Keys

Imagine you’ve found your dream home in the Florida Keys, and now you’re eager to make an offer that gets accepted. Here are five valuable tips to getting your offer accepted.

1. Offer Wisely: Avoid Lowballing Sellers

When a property hits the market, offering a lowball price isn’t your best strategy. In nearly 99% of cases, this will result in a flat-out rejection, not the outcome you desire. Effective negotiation involves presenting an offer that’s closer to the list price or within a reasonable range to prompt a counteroffer. Keeping the negotiation alive is key.

Some buyers opt for lowball offers on homes that have been listed for a while, which can be effective. However, it’s crucial to review the listing history, price reductions, and their frequency with your agent before taking this approach. Exceptional agents, like our team, often go the extra mile by communicating with the listing agent. Sometimes, you’ll discover that certain sellers have overpriced their property and lack motivation to sell.

Current Market

In the Florida Keys, buyers typically secure an average discount of around 10 percent off the original list price, so offering within that range should be well-received. With an average time on the market of approximately 80 days, buyers can easily identify properties that have lingered and are likely overpriced. It’s worth noting that the typical seller in the Florida Keys often needs to make at least one price reduction, typically around 4 percent, while their property is listed. Understanding these current market statistics should empower you to make a more informed decision when determining the price for your offer.

Condos in Marathon - Marathon Country Club West and East

2. Time is of the Essence

When it comes to the Florida Keys real estate market, time plays a crucial role. The standard contract outlines timelines for various aspects, including the deposit, inspection period, financing contingency, and closing. Most sellers aim to sell quickly while getting the best price, so adhering to these standard timelines is often appreciated. If you can expedite any of these timeframes, your offer is likely to be more attractive to sellers than one with longer deadlines.

Cash Offers

For cash offers in the Florida Keys, the standard timeline typically looks like this:

Deposit: Due within 3 days from effective date
Inspection Period/ Cancel: within 15 days from effective date
2nd Deposit: Some agents may include this on day 16, depending on the initial deposit amount.
Closing: Within 30 days of acceptance.

This means that cash offers in the Florida Keys typically wrap up in just 30 days.

Note Effective Date – is the date when the last one of the Buyer and Seller has signed and delivered the offer

Financing Offers

Financing offers in the Florida Keys come with a few additional steps, thanks to the involvement of a third party: the bank. Here’s a breakdown of the standard timeline for financing offers in this region:

Deposit: Due within 3 days of acceptance.
Inspection Period / Cancel: Within 15 days of the effective date.
2nd Deposit due on day 15
Appraisal / Loan Approval: Expected within 30 days of the effective date.
Closing: Typically within 45 days of the effective date.

Ideally, a financing contract should close within 45 days. However, in reality, lenders may occasionally require more time. Additionally, since there’s a limited number of appraisers in the Florida Keys, delays can occur when they’re backed up. Insurance requirements by lenders can also contribute to delays. In some cases, you might encounter a 45-day loan period with a 60-day closing to accommodate these potential delays.

3. Have a pre-approval and or proof of fund ready.

If you plan to secure a mortgage for your new home, it’s wise to speak with a lender and obtain a pre-approval for your mortgage. Including a copy of this pre-approval letter with your offer is a powerful signal to the seller that you’re a serious buyer who has progressed further in the home-buying process than those without pre-approval.

Some buyers opt to include a pre-qualification letter with their offer. Here’s the difference:

Pre-Qualification: This is a preliminary estimate of the amount you could afford for your new home and the sum a lender might be willing to lend you. It’s a simpler process compared to pre-approval.

Pre-Approval: With a pre-approval letter, you provide the mortgage lender with concrete documentation of your income, assets, and debts. The bank typically conducts a credit check to verify your financial and employment details, sometimes involving a fee. Once your finances receive the bank’s approval, you receive a commitment letter specifying the loan amount they’ll provide for your home purchase.

Both real estate agents and sellers often place more trust in pre-approval over pre-qualification.

4. Use a Local Lender

Since we are on the topic of lending, now is a good time to tell you that if you are going to buy a home in the Florida Keys, you should use a local lender.

Using a local lender can greatly facilitate the process. The Florida Keys have a complex web of rules and regulations, encompassing building rights, allocations, TBRs, SFA lists, mobile homes, co-ops, and a diverse range of property types. Navigating this intricacy can be challenging for a lender unfamiliar with the area. Having experienced deals falling apart with non-local lenders, most Florida Keys real estate agents would advise you to go local—it’s a decision that can significantly benefit you.

5. Limit your Additional Terms

While making an offer, it’s essential to avoid overloading the seller with excessive demands. Some buyers tend to ask for extensive repairs or alterations before the closing date. To maintain a straightforward and appealing offer, it’s wise to limit additional requests so that the seller doesn’t perceive you as a burdensome buyer.

When it comes to furniture in the Florida Keys, it’s quite common for buyers to request that a property be sold furnished. Many sellers are more than willing to accommodate this request simply because they prefer not to deal with the hassle of moving furniture, especially if the house is intended for rental purposes. This arrangement often turns out to be mutually beneficial for both parties. However, there are instances where the seller resides in the home full-time, and in such cases, they typically prefer to keep their furniture. Being considerate of the seller’s circumstances is always advantageous.

So there you have it—our top 5 pro tips for getting your offer accepted in the Florida Keys!

Prumo & Carden

Amy’s success as a Florida Keys Elite Agent and Diamond Award Winner is truly awe-inspiring. With over decade of experience in the real estate industry, she has cemented her position as a trailblazer and pioneer. Her unwavering commitment to excellence is reflected in her impressive academic credentials, which include a Master’s Degree in Marketing and Management. Amy’s marketing programs are simply unmatched, ensuring that your property is showcased to the widest audience of potential buyers, thus guaranteeing maximum exposure.

Tom is an accomplished expert in the Building, Planning, Zoning and Development field, with an extensive career spanning over several years. He has worked in the Civil Engineering Department for the USAF and was the Building Official/Director of Building Planning and Zoning for a municipality for over a decade. Additionally, he is the owner of Alliance Custom Builders, a testament to his entrepreneurial spirit. Tom’s impressive track record includes building homes in both Marathon and Key Colony Beach. He holds twenty licenses through the International Code council, including Commercial & Residential Plan Reviewer and Certified Building Official, cementing his position as a true leader in his field.

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Marathon, Florida – Top 5 Condo Complexes with Premier Dockage

by amyprumo | Sep 24, 2023 | Buyer Information

Top 5 Condo Complexes with Premier Dockage in Marathon, Florida

Welcome to our exciting blog post where we dive into the sun-soaked world of Marathon, Florida, and explore the top condominium complexes that offer not just luxurious living but also the ultimate boating experience. We understand that when it comes to selecting your dream condo in this tropical paradise, it’s not just about the interior decor or ocean views—it’s also about the dockage. To help you make an informed choice, we’ve established a set of criteria that include:

Location: Proximity to the ocean and Gulf access.
Dock Facilities: Quality and maintenance of the docks.
Boat Size: Accommodation for various boat sizes.
Amenities: Added perks like boat lifts, cleaning stations, and storage.
Accessibility: Ease of access to the docks from the condos.
Dock Ownership: Determine if docks are deeded or assigned to units.

Join us as we navigate these criteria to unveil the top five condo complexes that offer the perfect blend of Florida Keys living and boating paradise. Get ready to set sail on this adventure with us!

Indigo Reef: A Dockside Paradise

Nestled on the Gulfside, Indigo Reef takes the lead on our list. What sets it apart? Situated conveniently close to Vaca Cut, it offers effortless access to both the ocean and the Gulf.

The docks here are more than just a place to moor your boat—they’re your boat’s haven. With the addition of a break-wall your your vessel stays safe and sound. Moreover, the wide canals at Indigo Reef provide ample space for boats to navigate safely. It’s not just about having access; it’s about having peace of mind, knowing that your boating experience here is not only convenient but also secure.

These docks boast quality craftsmanship, constructed with Trex that’s not only durable but also in fantastic condition.

Convenience is the name of the game; find electric and water hook-ups right at the docks, eliminating any hassle. But wait, there’s more! Indigo Reef welcomes dock boxes, adding an extra layer of storage convenience for your boating essentials. Anglers will appreciate the several fish cleaning stations and don’t forget to take a dip in the inviting pool to cool off after a day of fishing.

What truly sets Indigo Reef apart is that each condo unit comes with its own deeded dock space, ensuring that you have dedicated access to your slip. No more worrying about availability or sharing—your boat’s spot is reserved. Plus, the generous allowance for boats up to 31 feet means you can bring your beloved watercraft with confidence.

Indigo reef is the perfect waterfront lifestyle.

Treasury Cay: Your Coastal Haven in Coco Plum Beach

Located in the Coco Plum Beach neighborhood, Treasury Cay’s condos offer a splendid boating experience. Their fantastic location is only minutes away from Vaca Cut. Which makes getting to bay side easy. When it comes to boating, convenience reigns supreme here.

The docks at Treasury Cay are more than just well-maintained; they’re a testament to quality. Owners are allowed to install boat lifts, and you’ll find that most docks are equipped one. Set against a generous 200-foot-wide canal, navigating your boat becomes a breeze. With room for vessels up to 35 feet, your boating dreams can become a reality.

For the avid anglers, there are fish cleaning stations and conveniently located water sources nearby. Plus, with each unit coming complete with a garage, you’ll have ample space to stow away your fishing gear and all things boat-related.

At Treasury Cay the units over look the canal, granting you the advantage of keeping a watchful eye on your boat directly from your living room.

Each unit at Treasury Cay comes with its own assigned dock space. This means you won’t need to worry about finding an available spot or your boat being moved. Plus you will be able to access your boat quickly and efficiently.

If you crave a home where your passion for boating is seamlessly integrated into your daily life, look no further – Treasury Cay awaits.

Coco Plum Terrace: Your Oceanfront Oasis for Boating Bliss

Tucked away in the charming Coco Plum neighborhood, you’ll find the delightful Coco Plum Terrace condominium. Positioned on the ocean side, it offers a quick and undeniable access point to the bay side via Vaca Cut, making it a boater’s paradise.

But here’s the real gem: each unit comes with an assigned 40-foot boat slip, complete with the convenience of power and water hook-ups. And if you have a larger vessel or a sailboat, no worries, there’s an opportunity to accommodate it as well. The flexibility here ensures that your boating dreams can set sail without limitations. Coco Plum Terrace truly understands the importance of your maritime adventures.

Owners can bring their own dry storage boxes for added convenience. Additionally, they have access to water sources and a nearby fish cleaning station. What’s more, there’s a convenient boat ramp available to make your boating experience even smoother!

Other fantastic amenities at Coco Plum Terrace include a heated/chilled pool with newly remodeled pool bathrooms, on-site trailer storage facilities and even designated storage spaces for kayaks, bikes, and paddle boards.

Don’t forget, the docks are conveniently located right outside the condo units, ensuring that your boating adventures are just a stone’s throw away from your home.

Coco Plum Terrace truly offers the complete waterfront lifestyle experience.

Coral Lagoon: Your Coastal Escape with Luxury Marina Living

Coral Lagoon is on the bayside in Marathon, Florida. These townhome style condos enjoy some of the best boating access in the keys. Located in deep water and with a nearby marina these condos have the best boating. Fantastic access to the vaca but which makes going to the bay side a breeze.

The docks are extremely well maintained and there is electric and water on site. Dry storage box are allowed

Most docks at coral lagoon are 40 feet, how ever there are larger options such as 50 feet for your vessels.

With a large fish cleaning station under a tik hut you get out of the sun. With the marina right next door owner have access to fuel and can purchase a dry rack to if they wanted.

Most of the docks are located right nearby the unit. However a few might be a bit down. Either way, your dock is only a few feet away.

The docks at Coral Lagoon are deed. So you have your very own secured space and no is going to make you move. It worth noting that the condos do pay an extra HOA fee for the dock.

Coral Lagoon provides an all-encompassing, luxurious marina lifestyle. It’s a place where boating dreams set sail, and every day feels like a vacation.

Harbor House Condos: Your Premier Waterfront Retreat for Boating Enthusiasts

Harbor House units aren’t just condos; they’re your VIP pass to epic boating escapades with deep-water access that’ll make you want to do a happy dance.

Not only is the water deep, but it’s also protected. You can cut through Sister Creek to explore the ocean or go through the harbor and under the Seven-Mile Bridge to access the bay. Either way, you’ve got excellent boating right at your fingertips.

Docking just got a whole lot more fun and way less hassle because Harbor House now allows the installation of boat lifts.

Owners also have the flexibility to bring their own dry storage boxes. Furthermore, there is access to water sources and a nearby fish cleaning station. Also a boat ramp too!

But that’s not all. These condos are strategically positioned, allowing you to keep a close eye on your boat right from your unit.

Residents at the Harbor House condominium are assigned dock spaces, each accommodating up to a 30-foot boat.

Overall, the blend of location, dock amenities, and the ability to see your boat from your living space creates an unparalleled waterfront living experience.

Conclusion

So, there you have it – our top 5 picks for the best condos with dockage in Marathon, the Florida Keys. Each of these waterfront havens offers a unique blend of convenience, amenities, and breathtaking views that cater to the boating enthusiast in you.

Check out more Condos in Marathon HERE

Local resource link – City of Marathon

Prumo & Carden

Amy’s success as a Florida Keys Elite Agent and Diamond Award Winner is truly awe-inspiring. With over 13 years of experience in the real estate industry, she has cemented her position as a trailblazer and pioneer. Her unwavering commitment to excellence is reflected in her impressive academic credentials, which include a Master’s Degree in Marketing and Management. Amy’s marketing programs are simply unmatched, ensuring that your property is showcased to the widest audience of potential buyers, thus guaranteeing maximum exposure.

Tom is an accomplished expert in the Building, Planning, Zoning and Development field, with an extensive career spanning over several years. He has worked in the Civil Engineering Department for the USAF and was the Building Official/Director of Building Planning and Zoning for a municipality for over a decade. Additionally, he is the owner of Alliance Custom Builders, a testament to his entrepreneurial spirit. Tom’s impressive track record includes building homes in both Marathon and Key Colony Beach. He holds twenty licenses through the International Code council, including Commercial & Residential Plan Reviewer and Certified Building Official, cementing his position as a true leader in his field.

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What do you mean I can’t build on my own land

by amyprumo | Aug 15, 2023 | Building in the Florida Keys, Buyer Information

What do you mean I can’t build on my land?

Why can’t I just build on my own land?

If you’re thinking about snagging a piece of empty land down in the Florida Keys with big dreams of putting up your own house one day, hold your horses and do some digging first. It’s not as simple as staking your claim and breaking ground. Nope, before you can start hammering away, you’ve got to jump through a few hoops and nab what the county folks call an “Allocation” or a “Building Right.”

But why the fuss over this “allocation,” you ask?

Well, the Florida Keys have this special status given by Florida itself – they’re labeled an “Area of Critical State Concern.” Basically, this means the state keeps a tight grip on how much brand-new stuff can pop up on these islands. And we’re talking strictly about fresh constructions on empty plots here.

So, what’s the big idea behind all this? The state’s got a simple goal: make sure everyone can hit the road and evacuate within 24 hours if a hurricane comes a-knockin’.

Now, why’s Florida got its nose in how the Keys grow? Couple of reasons. First off, they want to keep that natural beauty intact. Think environment, waterways, and all that jazz. But the real star of the show is people’s safety – that’s priority numero uno.

Back in ’74, Florida dished out a limited bunch of permits for the entire Florida Keys. And they didn’t just sprinkle ’em all over; each slice of the Keys got its own little pile of permits. You got the Upper Keys, Islamorada, Marathon, Big Pine Key and the Lower Keys, plus Key West, all divvied up.

Rate Of Growth Ordinance

Since way back then, the counties and cities in the Florida Keys have been playing a points game when it comes to handing out these building rights. More points mean a quicker ticket to that construction party. They’ve got a fancy name for this points thing: ROGO, which stands for Rate Of Growth Ordinance. Oh, and don’t be surprised if you come across the term “BPAS” – that’s just another name for the same gig, meaning Building Permit Allocation System. It’s like ROGO’s cool cousin.

Oh, and a little tidbit: “allocation” and “building permit” are like best buds down here. Sometimes, you might have the golden allocation ticket (aka the right to build), but you’re still twiddling your thumbs waiting on the actual permit to come through from the city or county bigwigs.

Quick FYI, though – places like Layton and Key Colony Beach are the renegades of this whole ROGO game. They’ve got a pass on that front.

In a nutshell, if you’re eyeing a vacant piece of land in the sunny expanse of the Florida Keys with dreams of crafting your very own oasis, it’s crucial to get your facts straight before you start envisioning the palm trees and hammocks. The process isn’t as straightforward as it seems – you can’t just roll up and start building.

For more information about building a home in the Florida Keys, please reach our to us at – 310-384-5647.

Learn More About Building in the Keys Here

Click Here

Prumo & Carden

Amy’s success as a Florida Keys Elite Agent and Diamond Award Winner is truly awe-inspiring. With over 13 years of experience in the real estate industry, she has cemented her position as a trailblazer and pioneer. Her unwavering commitment to excellence is reflected in her impressive academic credentials, which include a Master’s Degree in Marketing and Management. Amy’s marketing programs are simply unmatched, ensuring that your property is showcased to the widest audience of potential buyers, thus guaranteeing maximum exposure.

Tom is an accomplished expert in the Building, Planning, Zoning and Development field, with an extensive career spanning over several years. He has worked in the Civil Engineering Department for the USAF and was the Building Official/Director of Building Planning and Zoning for a municipality for over a decade. Additionally, he is the owner of Alliance Custom Builders, a testament to his entrepreneurial spirit. Tom’s impressive track record includes building homes in both Marathon and Key Colony Beach. He holds twenty licenses through the International Code council, including Commercial & Residential Plan Reviewer and Certified Building Official, cementing his position as a true leader in his field.

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Includes Local home Inspectors and Insurance compaines

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Monroe County Home and Adjoining Vacant Lot- Less than Fee Program

by amyprumo | Aug 10, 2023 | Buyer Information, Sellers

LESS THAN FEE PROGRAM –

Do you happen to own both a lovely house and the vacant lot right next door in Monroe County?

We’ve got some great news that might pique your interest – say hello to the County Commission’s “Less than Fee” Program!

So what is the “Less than Fee Program (LTF)?

The LTF program is a voluntary seller program that enables you to sell off the entitlement to construct a home or any habitable structure on your adjacent lot indefinitely to the county. In doing so you will be able to maintain ownership of your neighboring vacant lot and utilizing it for permissible accessory purposes only. These uses include a pool or shed.

Why did the County bring forth this program, you ask?

Well, it all boils down to state and federal regulations. You see, the Monroe County Board of County Commissioners finds itself with a restricted number of residential building permits to hand out. These permits are like gold nuggets for folks wanting to construct houses on vacant lots. The commissioners established the voluntary “Less than Fee” Program with the intention of retiring building rights.

If you’re eligible, the County extends an offer your way. This offer mirrors the most recent Certified Value – Market Land Value (MLV), up to $99,999. In return, you bid adieu to building a home or habitation on your vacant lot, forever.

Four-step journey:

Submit your Less than Fee application.
The County evaluates your property for eligibility.
If you make the cut, an agreement arrives, and a title search takes the stage.
The County Commission gives their nod, and voila! The deed restriction is etched into history.

The County takes care of title search and recording fees, while you might need to team up with your mortgage company. As for your representative, if you appoint one, their fees are on you.

Keep in mind there’s a waitlist and limited funds, so patience is key.

So, dear landowners, if this opportunity appeals to you, don’t hesitate to explore the County’s “Less than Fee” Program and add a new chapter to your homeownership journey.

Resources

Less than Fee Application –

Monroe County – LTF

Contact:

Paunece “Neecie” Scull

[email protected]

305-295-5180.

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Amy’s success as a Florida Keys Elite Agent and Diamond Award Winner is truly awe-inspiring. With over 13 years of experience in the real estate industry, she has cemented her position as a trailblazer and pioneer. Her unwavering commitment to excellence is reflected in her impressive academic credentials, which include a Master’s Degree in Marketing and Management. Amy’s marketing programs are simply unmatched, ensuring that your property is showcased to the widest audience of potential buyers, thus guaranteeing maximum exposure.

Tom is an accomplished expert in the Building, Planning, Zoning and Development field, with an extensive career spanning over several years. He has worked in the Civil Engineering Department for the USAF and was the Building Official/Director of Building Planning and Zoning for a municipality for over a decade. Additionally, he is the owner of Alliance Custom Builders, a testament to his entrepreneurial spirit. Tom’s impressive track record includes building homes in both Marathon and Key Colony Beach. He holds twenty licenses through the International Code council, including Commercial & Residential Plan Reviewer and Certified Building Official, cementing his position as a true leader in his field.

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How Mitigations and Inspections Can Help You Save Money on Insurance

by amyprumo | Jul 26, 2023 | Buyer Information, Insurance

Save Money on Insurance –Mitigations and Inspections

When it comes to homeowners’ insurance, finding ways to save money without compromising on coverage is a top priority for many homeowners. One often overlooked method to reduce insurance premiums is through Mitigations and Inspections. In this blog, we will explore how wind mitigation, 4-point inspections, and roof certifications can help you save money on your insurance, providing a safer home while potentially lowering your insurance costs.

Understanding Wind Mitigation:

Wind mitigation refers to the process of implementing specific features or improvements to a property that can withstand strong winds and reduce potential damage during hurricanes, tornadoes, or other severe weather events. Many insurance companies recognize that homes with proper wind mitigation features are less likely to suffer extensive damage, leading to fewer claims and lower payouts. Consequently, homeowners who invest in wind mitigation measures are rewarded with insurance discounts.

Common Wind Mitigation Features:

Impact-resistant windows and doors: These windows and doors are designed to withstand the force of strong winds and flying debris.
Roof reinforcements: Strengthening the roof with hurricane straps, clips, or other fasteners can prevent it from lifting off during high winds.
Roof shape: Hip roofs (sloping roofs on all sides) are considered more wind-resistant than gable roofs (sloping roofs with a triangular gable at each end).
Secondary water resistance: Adding a water-resistant barrier beneath the roof covering can prevent water intrusion in case the outer covering is damaged.
Reinforced garage doors: Strengthening garage doors can prevent them from collapsing during high winds.

The Importance of 4-Point Inspections:

A 4-point inspection is a specialized assessment of four key systems in an older home: the roof, electrical system, plumbing system, and HVAC (Heating, Ventilation, and Air Conditioning). Insurance companies typically require this inspection when a home is older than 40 years, or a rental property is older than 30 years.

The 4-point inspection helps insurance companies determine the level of risk associated with insuring an older property. If the inspection reveals that these systems are well-maintained and in good condition, it indicates a lower risk of sudden failures and reduces the likelihood of insurance claims.

Benefits of Roof Certification:

Roof certification is a formal evaluation conducted by a professional roofing inspector to assess the condition of the roof. Insurance companies may request a roof certification, especially for older roofs, to verify their current state and estimate their remaining lifespan.

A roof certification can benefit homeowners in several ways:

a. Insurance discounts: If the roof is in good condition and the certification confirms it, insurance providers may offer discounts due to the lower risk of roof-related claims.

b. Negotiating power: Armed with a roof certification, homeowners can negotiate better insurance rates or coverage terms.

c. Peace of mind: Knowing the roof’s current condition and estimated lifespan can help homeowners plan for future repairs or replacements proactively.

When should you get these inspections done, and who handles them?

Generally, these inspections are conducted during the inspection period of a home purchase contract. As a buyer, you can hire a licensed inspector to inspect the home, and during this inspection the additional specialized inspections can also be performed. It’s essential to note that each extra inspection may require an additional fee.

Conclusion:

Investing in wind mitigation measures, 4-point inspections, and obtaining roof certifications can significantly impact your homeowners’ insurance costs. By enhancing your home’s ability to withstand severe weather and proving that essential systems are well-maintained, insurance companies are more likely to offer discounts, ultimately reducing your insurance premiums. Prioritizing safety and maintenance not only safeguards your property but also provides financial benefits that can lead to long-term savings on insurance expenses. So, take the necessary steps to protect your home and save money on insurance in the process!

Prumo & Carden

Amy’s success as a Florida Keys Elite Agent and Diamond Award Winner is truly awe-inspiring. With over 13 years of experience in the real estate industry, she has cemented her position as a trailblazer and pioneer. Her unwavering commitment to excellence is reflected in her impressive academic credentials, which include a Master’s Degree in Marketing and Management. Amy’s marketing programs are simply unmatched, ensuring that your property is showcased to the widest audience of potential buyers, thus guaranteeing maximum exposure.

Tom is an accomplished expert in the Building, Planning, Zoning and Development field, with an extensive career spanning over several years. He has worked in the Civil Engineering Department for the USAF and was the Building Official/Director of Building Planning and Zoning for a municipality for over a decade. Additionally, he is the owner of Alliance Custom Builders, a testament to his entrepreneurial spirit. Tom’s impressive track record includes building homes in both Marathon and Key Colony Beach. He holds twenty licenses through the International Code council, including Commercial & Residential Plan Reviewer and Certified Building Official, cementing his position as a true leader in his field.

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