Wednesday, July 05, 2017

5 Basic Tips for Investing in Real Estate

If you’re seriously considering a foray into income rental property investing, you’re certainly not alone. But you must proceed with caution and a significant amount of forethought. While no one has a crystal ball, it’s very important to make smart calculations going into the venture. To achieve the right results, you need to follow 
five basic tips for investing in real estate:

  1. 1. Pick the right property. Those who’ve been successful in this pursuit know one undisputable fact: money is made at the buy. In other words, what you pay ultimately determines if you’ll fetch a strong ROI or take a loss. There’s not much in between those two outcomes, but it does occasionally happen. If you aren’t purchasing it for a substantial steal, you’re on precarious ground to start.
  2. 2. Understand the local market. Another fact is the local market dictates what is and what isn’t a smart choice. Local markets are malleable, to say the least. Look into the history of the neighborhood and learn what trajectory it’s currently on, so you don’t wind up in a community that’s experiencing a decline.
  3. 3. Plan for the carry costs. Make no mistake about it, the amount of rent you can charge will be dictated by the condition of both the house and the neighborhood. And, many first time investors get into trouble by not factoring in carry costs. These include your mortgage, insurance, taxes, normal maintenance, repairs, vacancy periods, and replacement costs. After all, the water heater will break and the house won’t always have a tenant.
  4. 4. Get your finances prepared. While it’s obvious, it’s worth mentioning lenders treat rental properties quite different. These present a lot more risk in a number of ways. So, be prepared to put up a sizeable down payment and have money set aside for closing costs, as well as any improvements.
  5. 5. Create a solid tenant screening process. Unless you hire a reputable and reliable property management service, you’ll need to screen potential tenants. Learn about this process and take those lessons to heart.


Real estate investing can be very rewarding financially and emotionally. But, if not done right, can easily turn into a nightmare scenario. 
Getting Financing for the Condo You Want 

Getting financing for the condo you want is a bit different than obtaining a mortgage for a single family property. Because “different” can mean “difficult,” since the government agency backing the debt instrument has its own requirements. But, this doesn’t mean you’re out of luck getting financing for the condo you want -- it’s just a more involved process.

Getting Financing for the Condo You Want

About 94 percent of the home loan market is claimed by Fannie Mae, Freddie Mac, the FHA, and VA. And, all have their own requirements. The reason for this is when you purchase a condo (a type of legal ownership that’s more close to a cooperative), you’re not getting a fee simple title. 

In other words, you’re buying into the entire community, essentially obtaining a percentage or share. So, lenders place restrictions on which condo communities receive mortgage approval. Here’s what you need to know about getting financing for the condo you want:

  • Generally a higher interest rate. In general, mortgage interest rates for condos are slightly higher than single family residences. The reason is quite simple -- there’s more risk to the lender. Because it’s part of a community, lenders charge higher rates but these can be avoiding by paying points. Just understand the lender, condo community, geographic location, and more all play a role.
  • Bigger down payment requirement. Usually, buyers who make a down payment of 20 percent or more qualify for more diverse types of loans, as well as escape PMI or private mortgage insurance (which protects the lender in case of a borrower’s default). However, a down payment for a condo typically runs a bit higher, about 25 percent. Now, this doesn’t mean it’s always the case, in some markets, down payments can be the same as single family, or 20 percent. Here again, there are many factors which make a difference.
  • The homeowner’s association fees. Not only will you have to qualify for the monthly payment, but don’t forget about the HOA fees. These range from just a few hundred dollars to much more. Now, this helps you because the HOA is responsible for common area maintenance and repairs. But it still represents additional costs. Your monthly mortgage payment and HOA fee combined should not exceed 25 percent of your monthly income.
  • Property qualification factors. One factor which really hit a substantial amount of condo buyers during the wake of the housing crisis was property qualification. If there are too many vacant units and/or too many rented out, lenders tend to frown on this.


Just be prepared and careful about which condo community you ultimately decide to live in. Article courtesy of http://bestkeywestcondos.com/
About Cudjoe Gardens in the Florida Keys

Cudjoe Gardens, located in the Florida Keys on Cudjoe Key, is situated between Sugarloaf Key and Big Pine Key. Cudjoe Key is part of the Lower Keys, lying just over one hundred miles southwest of the southernmost tip of the contiguous Florida peninsula, Miami. 

About Cudjoe Gardens

Cudjoe Gardens is best known for its marina, but that’s certainly not all that makes it so attractive. Being part of the Lower Keys, it’s a true laidback island lifestyle, encompassing the best of the subtropical paradise of the island archipelago. 

Cudjoe Key is also known for its gorgeous stretch of beaches and of course, its colorful waters, teeming with marine life. Many come to Cudjoe Gardens to enjoy the water activities, which are numerous and most of all, truly enjoyable. 

Explore the island and take to the water to discover all that Cudjoe Key has to offer. Water sports are abundant here but that’s certainly not all. 

Take to the water on a power or sailboat and enjoy the wonderful scenery all around. Or, for a more intimate connection with nature, kayak or canoe about the shallows. Fish and bring in a big catch, if you like or just lounge in the sand and soak up the sun. See wildlife while you take a day to explore and be sure to experience a sunset. 

Here, you’ll also see “Fat Albert,” an airship of the United States Federal government which helps to patrol the marine traffic. 


When you want to get away and enjoy the natural beauty of the Keys, Cudjoe Gardens is the place. For help Buying or selling Cudjoe Gardens Real EState see http://dianecorliss.com
Cost Advantages of Modular Homes

Modular homes are a great alternative to site built houses, with some extra advantages. While some people say modular homes aren’t “real” properties, that’s not the case at all. Modular homes are as a permanent structure as site built homes and have some notable benefits site built house do not enjoy. So, let’s take a look at some of the advantages of modular homes.

Cost Advantages of Modular Homes

Modular homes or prefabricated houses, are an option for people who want to build a custom property but do not want to incur the high cost. In fact, a prefab home is a savvy way to actually save money while getting everything you want out of a custom built property. Here are some of the cost advantages of modular homes:

  • Cost control. One of the leading complaints about site built homes is going over budget. While it sometimes involves the eventual homeowner changing their minds and making changes, it’s usually due to delays, the cost of materials, and more. But with a modular home, the budget is set when the home is designed.
  • Faster build time. Speaking of delays, which can cost the homeowner more with extra expenses, modular homes are built faster, about half the time it takes to construct a site built property.
  • Energy efficiency. Another long term cost benefit of prefab homes is these are built for maximum energy efficiency from the get go. 
All of this, not to mention that you can get a completely customized home for much less than a site built home with a modular house.
For help finding Florida Keys Modular Homes see http://bestkeysmodulars.com/

About Grassy Key in the Florida Keys
Situated in the Middle Keys, in the well known Florida Keys, Grassy Key is an island that lies south of the Conch Keys. As with all the Florida Keys, Grassy Key has its own uniqueness but still shares quintessential subtropical attributes of the entire island archipelago.

About Grassy Key

Unlike some of the other keys, Grassy Key is a bit more natural, meaning it isn’t as developed as Key West or Key Largo. However, it’s this natural beauty which makes it just right for those who like to explore and see the Florida Keys as practically undisturbed. But, this doesn’t mean there aren’t things to see and do in Grassy Key. 

For instance, take a day to explore the famous Dolphin Research Center. Established back in the 1980s, this is one of Grassy Keys’ most popular destinations. Get up close to dolphins and learn all about these marvelous marine creatures. See sea lions and let the little ones have a blast in the play ground -- a water play area. 

Or, if you want to immerse yourself in the natural beauty of the Florida Keys, Grassy Key is definitely a must-see destination. Here, you’ll discover Curry Hammock State Park, 260 acres of outdoor fun and relaxation. This is one of the single best places to kayak in the Keys to spot manatees, birds, and more wildlife -- all while enjoying the water. Curry Hammock State Park also boasts a campground, with 28 sites for overnight guests.


Grassy Key is the place to get away from the tiki bars and get connected with nature. For help finding Grassy Key Luxury homes for sale see http://marathonflhomesforsale.com
About Summerland Key (Florida Keys)

Located in the Lower Florida Keys, far away from Miami and Key Largo, lies Summerland Key, just about twenty miles east of one of the most famed islands, Key West. Summerland Key first came into development in the late 1940s and early 1950s. Here, you’ll find man things to see and do, most of which are quintessential Florida Keys.

About Summerland Key

Summerland Key owes its existence to one Henry Hudgins, who began the process of taking an undeveloped subtropical island into the modern place it is today. And, Summerland Key is where you’ll find plenty of things to see and do. Of course, chief among them center around the water and natural settings the Florida Keys are so widely known for. 

  • Kayak and canoe. Summerland Key is a wonderful spot to explore the water and see marine life, right from a kayak or canoe. Get close to curious creatures and relax under the sun.
  • Fish, fish, fish. If there’s one popular pastime in the Keys, fishing is probably it. You can fish for many types of species and come away with great stories.
  • Surf in more ways than one. Take to the waves and surf, get in the action and windsurf, or kitesurf. It’s up to you what thrill level you desire.
  • Scuba and snorkel. Explore the water depths and marine life up close when you scuba or snorkel.
  • Dolphin and whale watch. Another way to enjoy the area is dolphin and whale watching.


And, no visit to Summerland Key is complete without taking in a sunset or two or more. For help finding Summerland Key Homes for sale please see http://www.yourkeystoparadise.com

Thursday, January 26, 2017


How to Deal With a Low Home Appraisal

ISLAMORADA, Fla. - Jan. 26, 2017 - PRLog -- Per Kim Bagnell Thaler, Top Producing Real Estate agent for Sotheby's International in Islamorada Florida,"When you put your house on the market to sell or you apply and receive a mortgage pre-approval, this begins a long process. If you are a seller, you smartly order a pre-listing inspection so there aren't any surprises. Then, you make all necessary repairs. Next, you have the house professionally staged and then place it on the local multiple listing service. Suddenly, you have an interested party who submits a purchase offer and you accept it.

If you are a buyer, you've taken the time to clean up your credit files, save money for a down payment, inspections, moving, and closing costs. You searched far and wide for the right house. After weeks of looking, you find a home you really like and submit a purchase offer. The seller accepts your offer and now comes the inspection phase.

For both the buyer and seller, the inspections are anxious experiences because each party doesn't want unpleasant surprises. When the inspections give the house a thumbs up, next is the home appraisal.

And, this is when you might have to know how to deal with a low home appraisal:

● Submit a "rebuttal of value." A low home appraisal can be appealed with what's known as a "rebuttal of value." Although odds are against the valuation being adjusted, it's certainly worth the effort to attempt to save the transaction.

● Have a second appraisal conducted. The buyer can also order a second appraisal. This does come with a cost, but it can be a shared expense, between the buyer and seller to save the deal.

● Negotiate the agreed selling price down. If you are the buyer, you can negotiate with the seller to lower the purchase price. If you are the seller and believe the appraisal valuation, you can simply lower the selling price.

● Make up the difference with cash. Another way of dealing with a low home appraisal is for the buyer to make up the difference with cash. While this places more burden on the buyer, it keeps the deal intact.

If none of these are feasible or work, then it's time to walk away. While this isn't a preferable solution, it's a smart move to move on.

Kim Bagnell Thaler is a pioneer among Florida Keys realtors. Regarded as one of the most influential realtors in the middle and upper keys, she provides expert and professional real estate service.

With her vast knowledge, 20 years experience and commitment to the highest

ethical standards, Kim remains a standout among other Florida Keys Real Estate  Agents.For help finding just the right Upper Keys Real Estate please see http://www.kimbagnell.com

Contact
Kim Bagnell Thaler
***@oceansir.com

Beware: Five Renovations that don't Increase Home Appraisal Value

KEY WEST, Fla. - Jan. 26, 2017 - PRLog -- Per Fred Mullins, Top Producing Member of Team Mullins at Coldwell Banker Schmitt in Key West and owner of www.lowerkeys-homes.com,"Before getting to the five renovations that don't increase home appraisal value, let's look at the biggest home improvements with substantial return on investment. Coming in at number five is new vinyl siding, snagging an 83 percent return.

Install a new garage door and receive 87 percent back. Put down new hardwood floors for a 91 percent ROI. Upgrade the insulation and enjoy a return of 95 percent. Install a new roof and you'll love its huge return of 105 percent.

But, there are five renovations that don't increase home appraisal value and you obviously should avoid them completely. These make it more difficult to sell a house, as well as wasting money.

Here are the five renovations that don't increase home appraisal value:

1. A swimming pool. Sure, a swimming pool is a welcome amenity; or is it? The truth of the matter is, swimming pools introduce a number of factors. For instance, buyers with small children might see it as a safety issue, as well as elderly buyers. Insurance costs will increase, also. At the very least, there are maintenance concerns.

2. Luxurious landscaping. While elaborate landscaping definitely improves a property's curb appeal, it's usually just seen as a giant maintenance headache for buyers. Instead of going all out, upgrade with a modest but beautiful landscape. This will help to bolster a property's value.

3. Over-improving for the neighborhood. If you want more space, you might consider adding on a second story. But, if the majority of other houses in the neighborhood don't aren't two story, it's going to have a negative impact on the home's value.

4. Upscale home upgrades. Big time, high end upgrades will improve the style and even the function of a home, but these will also lower its value or just not return very much on investment. It's best not to go all out in practically every home improvement aspect.

5. Unseen home improvements. While a house might need new plumbing or electrical wiring, these are unseen improvements and do not increase home appraisal value.

Another renovation that does not increase home appraisal value is a master bedroom addition or remodel. Although it's a wonderful creature comfort, don't expect it to have much impact on your home's value.

Fred Mullins, P.A. holds an MBA, B.S., real estate license United States Coast Guard Master Captain's license and commercial pilot's license. With over 20years of cross functional experience in real estate, international asset management and construction management, Fred's experience places him as one of the top real estate professionals in the Florida Keys.For help with buying or selling Real Estate in the Lower Florida Keys,see http://www.lowerkeys-homes.com

Contact
The Mullins Team
***@bellsouth.net
End

Miami Outdoors and Recreational OpportunitiesOver 60 miles of beaches await you along the Atlantic Recreational opportunities in the outdoors are one of the most important assets of Miami and its surrounding areas. And don't forget that the Everglades are only an hour away. The options here are incredible.
Recreational Opportunities:
  •  6 Marinas
  •  37 Parks,
  •  43 Golf Courses
  •  16 Campgrounds and recreational vehicle parks
  •  6 Beach parks
  • 590 public Tennis Courts
  • 24 Boat Ramps http://www.inshore.com/br-dade.html#Dade%20County
  •  60 plus miles plus of beaches
To see a complete list of parks and recreational opportunities see the sites below
http://www.floridastateparks.org/FindaParkRegion.cfm?Dist=Southeast
Things to do outdoors:
  • Fishing-saltwater, freshwater-Ocean, lakes and the Everglades
  • Boating-Ocean or Bay
  • Diving
  • Hiking
  • Tennis
  • Bike riding
  • Birding
  • Photography and Wildlife watching
  • Kayaking—canoes-there are good rental locations and lots of places to launch.
  • Air boating into the Everglades
Other places to visit.
  • • Art Deco District
  • • Bill Baggs Cape Florida State Recreation Area
  • • Biltmore Hotel
  • • Biscayne National Park
  • • Coral Castle
  • • Domino Park
  • • Everglades National Park
  • • Fairchild Tropical Garden
  • • Flamingo Gardens
  • • Jackie Gleason Theater of Performing Arts
  • • Jai Alai
  • • Lion Country Safari
  • • Lowe Art Museum
  • • Miami Art Museum
  • • Miami Metrozoo
  • • Miami Seaquarium
  • • Monkey Jungle
  • • Museum of Contemporary Art
  • • Museum of Science and Space Transit Planetarium
  • • Parrot Jungle Island
  • • Jewish Museum of Florida
  • • Venetian Pool
  • • Villa Vizcaya
  • • Wolfsonian - A Museum of Modern Art and Design
Pro Sports
  • MLB Florida Marlins
  • 2269 Dan Marino Blvd, Pro Player Stadium, Miami Gardens, FL 33056 · 305-626-7400
  • Miami Dolphins
  • 2269 Dan Marino Blvd, Pro Player Stadium, Miami Gardens, FL 33056 · 305-620-2578
  • Miami Heat
  • 601 Biscayne Blvd, American Airlines Arena, Miami, FL 33132-1801 · 786-777-432
For more recreational opportunities check out-http://miami.travelape.com/recreation/all.html
In conclusion, Miami and Dade county have everything you could want in recreational participant and spectator sports.

How To Search And Find The Perfect Realtor

When you decide to invest in real estate, you know that having good representation is key to a successful transaction.

It is not in your best interests to have the same agent represent you as the one selling the property. How can you find the perfect realtor for you? Start your search by asking people you know for help. If someone you are acquainted with works in the banking industry or has had positive results with someone, ask for a recommendation. It is important that the recommendations you receive are for agents in your area. It is perfectly okay if you don't have any acquaintances to recommend an agent to you. Grab the phone numbers of local real estate offices and ask to speak to a manager. Ask the manager to recommend an agent from the office or inquire about an agent from another real estate office. In most cases, you will receive the help you need. The Internet can be used to your benefit. Instead of looking for listing agents on familiar websites, look for local real estate agents advertising themselves. It is important that you don't just find an agent who is a "listing agent". When looking at the agent's website, look for signs that he or she is just looking to make a quick buck. Avoid websites that claim "you are number one" or just ramble on and on about accomplishments. You will have to interview your potential list of realtors to represent you. It is important that you get a good feel of the agent's habits and you don't end up with someone who doesn't really understand the buying process. Most agents who aren't good at what they do will let you know they must "consult" the computer to double check. A good real estate agent will want to have an understanding of your financial situation and will ask about your debt and finances. He or she will initially use this information to help you determine a price range in which you can shop around in. You need a real estate agent who is willing to ask questions and use your answers to determine whether or not what you want is realistic in the neighborhood you want to buy in. Last, but not least, a professional agent will want to set up an appointment and meet with you in person. A realtor makes their living through commission, so it is only natural that they should care about meeting with you. Your chosen agent should behave in a way that helps you feel that he or she has your best interests at heart, and isn't just looking to make quick money. If your agent seems to be too good at throwing a sales pitch, it is time for you to find someone else! What makes a good real estate agent? Most people will have a lot of answers, but the best agent wants to make you happy and provide you with the home of your dreams. Always interview several potential agents before settling down and choosing the one that's right for you. For more information see www.flaallwaterfront.com

The Best Activities in the Florida Keys

The Best Activities in the Florida Keys
The Florida Keys are the perfect destination for anyone that enjoys spending time outside. There are incredible reefs, gorgeous waters, beautiful weather and a ton of activities to engage in after dark. It is easy to find something to enjoy on your vacation. The following activities are some of the best that the Florida Keys have to offer. When you think of the Florida Keys, the ocean almost immediately comes to mind. Therefore, some of the most popular activities at this destination involve the water, and include fishing, scuba diving and snorkeling. Fisherman enjoy catching and eating their dinner, as the local waters in the Keys are filled with snapper, redfish, lobster, shrimp and grouper. Fisherman of different experience levels all enjoy the fishing in the Florida Keys, and fishing excursions are available for the adventurous at heart. If you do not want to go on an excursion, just find a little spot to throw out line and see what you reel in. You will not be disappointed in everything the Florida Keys has to offer. Would you rather be in the water than fishing around it? The Florida Keys are well known for their diving excursions. You never know what you might find when you are swimming beneath the surface of the ocean. You could run into a sea turtle or stumble across a school of angel fish. Do not forget your underwater camera if you head over to the reefs; the view is simply stunning. If you really know what you are doing, you may find a wreck to swim through or even find yourself swimming with the sharks. However, the shallow reefs are perfect for those just starting out in the diving world. There are certainly things to do on the water that do not involve diving or fishing. Visitors to the Keys often enjoy sailing and kayaking as well. Sailing allows you to take in as much of the Keys as possible. If you are feeling adventurous, you can actually live on the sailboat for a short time and take off on a week-long adventure. You will find that the sunsets in the Florida Keys are some of the most beautiful in the world, and seeing them from the water is an incredible experience. There is also something special about spending your days on the water, with the sea salt spraying in your face. If you are a nature-lover, kayaking might be the activity for you. You can maneuver through the wetlands and natural preserves of the Keys, viewing alligators, birds and perhaps a manatee! If you decide to stay on the shore, you can still have a great time in the Florida Keys. The white sand beaches are a great place to relax and look for seashells. You will find no shortage of activities in the Florida Keys, so starting planning your next trip today! You will have a wonderful time in this sunny bit of paradise, and you may begin planning your return trip before you even leave the area!

Oceanfront Condos

Different agencies offer many affordable waterfront real estates to suit the tastes of different people. These real estate agencies cater to the needs of those who want to live either in an affordable waterfront home or in a luxurious condominium overlooking the ocean.

One of the most famous types of waterfront property is the oceanfront condo where people can marvel at the beauty of the ocean directly from their windows. The distant sounds of the waves crashing the shore are sure to make them feel a different kind of comfort.

The views during the day and at night are also among the perks of living in this type of condo unit. The owner can have a better view of the night sky with the constellations being more visible.
The real long-term value of oceanfront condos is a wise investment especially for workers who are planning to retire. The appreciation value of these kinds of properties tends to increase more than those of the average properties in the city.
Some adventure lovers have seen another purpose for oceanfront condos.

Instead of investing a large amount of money in buying one, a lot of people decided to just rent one and spend a luxurious vacation.
However, regardless of the person's purpose, finding oceanfront condos that will satisfy the tastes of the buyer is not an easy task. No matter how desirable it is to own one, it may be a disappointing experience if he rushes into buying a unit. It is crucial to consider several factors to make the perfect choice that will allow one to experience the luxury of

living in oceanfront condos.

The market is another thing to look at. People generally don't live in theiroceanfront condos all year long. It can be best to rent it out on days when no one is living on it. This is the reason why having beach condos are considered good investments. The buyer should purchase a property in an area where tourists regularly visits.

It is also best to seek the help of a real estate company in deciding what beach condos are available in the market and the best locations to purchase the mentioned properties. Do not be contented with asking the help of just one company. Ask as many real estate agents as possible to have a proper view on the price range and features of beach condos.

It is also advisable for a potential buyer to talk to agents who specialize in beachfront properties since these kinds of properties are different from the regular houses found in cities.
Beach condos are absolutely making a name in the market. May it be for a little vacation or for a life-long experience, oceanfront condos can offer a wonderful experience for whoever decides to invest on them.

Thursday, December 08, 2016


Oceanfront Condos in the Keys

Different agencies offer many affordable waterfront real estates to suit the tastes of different people. These real estate agencies cater to the needs of those who want to live either in an affordable waterfront home or in a luxurious condominium overlooking the ocean.

One of the most famous types of waterfront property is the oceanfront condo where people can marvel at the beauty of the ocean directly from their windows. The distant sounds of the waves crashing the shore are sure to make them feel a different kind of comfort.

The views during the day and at night are also among the perks of living in this type of condo unit. The owner can have a better view of the night sky with the constellations being more visible.
The real long-term value of oceanfront condos is a wise investment especially for workers who are planning to retire. The appreciation value of these kinds of properties tends to increase more than those of the average properties in the city.
Some adventure lovers have seen another purpose for oceanfront condos.

Instead of investing a large amount of money in buying one, a lot of people decided to just rent one and spend a luxurious vacation.
However, regardless of the person's purpose, finding oceanfront condos that will satisfy the tastes of the buyer is not an easy task. No matter how desirable it is to own one, it may be a disappointing experience if he rushes into buying a unit. It is crucial to consider several factors to make the perfect choice that will allow one to experience the luxury of

living in oceanfront condos.

The market is another thing to look at. People generally don't live in theiroceanfront condos all year long. It can be best to rent it out on days when no one is living on it. This is the reason why having beach condos are considered good investments. The buyer should purchase a property in an area where tourists regularly visits.

It is also best to seek the help of a real estate company in deciding what beach condos are available in the market and the best locations to purchase the mentioned properties. Do not be contented with asking the help of just one company. Ask as many real estate agents as possible to have a proper view on the price range and features of beach condos. For more information about Islamorada Condos for sale ion the Florida Keys, please see our website at http://kellerporterteam.com

It is also advisable for a potential buyer to talk to agents who specialize in beachfront properties since these kinds of properties are different from the regular houses found in cities.
Beach condos are absolutely making a name in the market. May it be for a little vacation or for a life-long experience, oceanfront condos can offer a wonderful experience for whoever decides to invest on them.

Monday, November 14, 2016

Best Beaches in Florida Visitusa.com is committed to singing the praises of a variety of beaches in Florida that visitors to the Orange State may enjoy. To that end, we’ve compiled an extensive list of the best Florida beaches we could find. So with out further ado, here are some of the best beaches in Florida. Fort De Soto Beach is a historic fort built during the Spanish-American War located on Mullet Key. This 900- acre park has 7 miles of beaches, 2 fishing piers, picnic and camping areas, a small history museum and a 2,000-ft. nature trail. Florida's Gulf Coast, Caladesi is one of the few remaining large undeveloped barrier islands in Florida, and is only accessible by boat. It is an perfect locations for swimming, fishing, picnics, diving, hiking and nature study. Key Biscayne's beaches in Bill Baggs Cape Florida State Park’s visitors can stroll by the Atlantic, charter a deep-sea fishing boat, ride a jet ski, or just relax. It’s one of the best places in Greater Miami for golf, sunbathing & water sports Perdido Key is a natural paradise is home to plentiful native wildlife. The clear green waters and miles of soft white sand are perfect for sunbathing or water sports and it’s considered one of the America’s best swimming beaches. South Beach is a happening hot-spot with a chic night life. The “American Riviera” is great for couples on spring break (that can afford it anyway) since rowdy crowds of teenagers are rarely seen on its upscale sands. Greater Fort Lauderdale has 23 miles of sun-drenched beaches and is perfect for people watching or shopping and dining at any number of great beach shops and restaurants that line the clean and eco-friendly beaches. St. Joseph Peninsula State Park’s miles of white sand beaches and striking dune formations characterize this Florida Panhandle area. Boating, saltwater fishing, camping, canoeing and hiking are all popular St. Joseph Peninsula activities. Clearwater Beach offers nearly every water and beach activity conceivable, and nearby Pier 60 Park has a family recreation complex with playgrounds, fishing and concession stands. Anastasia State Park is home to several rare, threatened and endangered species. Located on Anastasia Island, near St. Augustine, this beach provides opportunities for Camping, fishing, picnicking, hiking, beach volleyball, boating and more. St. George Island State Park sits on 9 miles of undeveloped beaches and dunes. It is surrounded by the Gulf of Mexico and Apalachicola Bay, and is a perfect setting for a quiet Florida getaway. Daytona Beach is called the "World's Most Famous Beach". Visitors can drive automobiles on the sand by day and stroll the boardwalk by night, stopping occasionally to enjoy the arcades. Daytona Beach is also a major surfing hotspot. Siesta Key is one of the most popular the beaches on the southwest coast of Florida and is famous for its soft white sand. Amenities include lifeguards, concessions, picnic tables, grills, restrooms, showers & volleyball & tennis courts.
Bass Fishing in Florida; A multi-million recreation Bass fishing represents one of the most popular fishing sports practiced today. Its popularity has yielded a multi-billion dollar industry unto itself, aside from the business of other modes of sport fishing. There are boats on the market designed specifically for bass fishing. Clothes and gears are also very popular. Freshwater sport fishing in Florida provided recreational opportunities for over 1.32 million people, over age 16, and generated an economic output of $2.0 billion in 2001. Aside from that, Florida freshwater recreational fishing generated 19,519 jobs with earnings of $484 million in 2001. Florida freshwater fishing provided 20.8 million angler days of recreation (92% resident) based on 14.5 million trips. (A trip is from the time someone leaves home until they return and may include many days; a day is defined by an activity on a specific day.) Bass habitats include a variety of environments, from rivers, lakes, streams, and even ponds. Rivers provide one of the healthiest habitats, due to the highly oxygenated waters from the rapid current. In order to fish bass from rivers, it is best to seek out breaks in the current, perhaps from a fallen tree, a stump, or rocks. The fish that bass feed upon will normally school below a dam, thereby making these spots ideal for bass fishing. There are at least 32 species of fish commonly caught in the numerous lakes, ponds, canals and rivers throughout Southwest Florida. The anglers pursuing the most popular of these freshwater game fish are locally referred to as either bass fisherman, "perch jerkers", pan fisherman or catfishermen, depending upon the object of their pursuit. The most common and popular of these are Largemouth Bass, Catfish, Panfish, Chain pickerel and Crappie. Largemouth Bass without a doubt is the most sought after game fish in Florida. It is the main target of the majority of anglers. Many of these lure busting monsters in the 10 to 12 pound range are taken every year in local waters. The yellow and brown bullhead, followed by the channel catfish, is the most abundant in the area. They are favored by sportsman for the delicious table fare that they provide. Also harvested commercially, mainly on Lake Okeechobee, and their tasty fillets are served as an "all you can eat" favorite in most area restaurants. But it is still the bass fish that promises the challenge of the sport. Every freshwater river, canal, lake and pond in South West Florida is abundant with what is locally referred to as "panfish" for the thick tasty fillets they provide. The term actually covers a wide variety of pan sized fish in the sunfish family. These include, but are not limited to, the following: bluegill, bream, warmouth, and the most sought after, redeared sunfish, locally referred to as a "shellcracker" for its diet of aquatic snails. Another favorite is the exotic oscar, which has flourished in the hundreds of miles of canals in the area. An angler needs only to arm themselves with a cane pole and a can of worms or crickets for guaranteed success in catching supper. However, most anglers opt for the ultra-light spinning outfits with tiny spinners and spoons, or the fly rod with popping bugs. Catches of fifty or more a day are common. While not particularly sought after, the pickerel must still be considered a game fish for its savage attacks on the lures most commonly thrown by bass fisherman. They are fast, tackle busting acrobatic fighters. While edible, they are usually released due the many pesky little bones in their fillets. Also locally called speckled perch or "specks" and considered as the favorite of the "perch jerkers" or crappie fisherman that pursue them. These quick striking fish fall for a variety of lures. They congregate in large schools and once located, provide the angler with plenty of action and a great fish fry. There are innumerable techniques and types of tackle available to practice the sport of bass fishing. For a beginner, it is advised to gather some more basic tools to get started. Some suggestions point towards acquiring a 10-pound line, suitable for the average sizes and weights of this species. Also, it is suggested to start with artificial bait until the angler has a better understanding of the unique characteristics of the bass fish. The Spinnerbait is common artificial bait used by both amateur and seasoned anglers. The catch and release method was first introduced in the 1950s. It was designed to reduce the rising costs of restocking hatchery-raised fish, and was normally used for fish not meant for consumption. Popular consensus does not consider bass as a food fish, and thus this technique is widely used.
Florida Homeowners Insurance Coverage 2005 marked a record year for hurricanes in the Atlantic Ocean and Gulf of Mexico, with weather reporters resorting to using the Greek Alphabet to come up with names for hurricanes and tropical storms headed towards the United States. Unfortunately a few of these hurricanes, including Dennis, Katrina and Wilma causes major destruction on both the Atlantic and Gulf of Mexico sides of Florida. Because Florida is right in the midst of hurricane alley for nearly half the year, finding affordable Homeowners insurance coverage is nearly impossible for most homeowners and sustaining and repaying those Homeowners insurance policies is just as impossible for the actual insurance companies. For quite some time, in the 1980s and 1990s, many Florida residences were covered by the state run insurance company, called the Residential Joint Underwriting Association. Only recently have large private Homeowners insurance companies, like Allstate, begun taking on homeowners insurance policies in sections of Florida, along the coastlines and in the southern part of the state, where hurricanes are more likely to occur. Whether going through the state run RJU association or going through a private home insurance agency, there is no question that Homeowners insurance will be extremely expensive anywhere near the coast in Florida. The same home in Ohio may cost three times less to insure than it would on the coast of Florida, simply because of all the added coverage for hurricane season. Since most basic insurance policies only cover certain natural disasters that could occur anywhere in the country, most often hurricane damage is not included in this policy. For that reason, Florida homeowners have to go about purchasing extra hurricane insurance to make sure their home will be covered in case hit by one of these ocean storms. A law was recently passed in 2005 in Florida that requires plain language on insurance policies so that homeowners can easily understand the terms of their policy without being confused by the heavy jargon. Before this, many Florida homeowners were left to fend for themselves or to apply for Federal or Florida aid because many did not realize that even hurricane insurance often does not include flood damage. Of course this can be tricky to distinguish and this is where many homeowners found themselves at a loss. Even if the flooding is caused by a storm surge of rising water from the hurricane, this is not covered by the hurricane because it is not considered damage due to the high winds or rain of the storm, but is instead caused by the ocean waters rising. If Florida homeowners are in an area that could be considered a storm surge area, usually even up to 25 feet from the ocean, then they need to consider also including flood insurance as a separate clause to their Homeowners insurance. Be sure to discuss with your insurance agent exactly what types of water damage are covered in the hurricane insurance policy and the flood policy to make sure you are covered from all angles when encountering a hurricane. Currently legislation is in the works that will limit the amount of surcharges that Florida homeowners can be charged to help prevent price gouging because of the area that Floridians live in. If legislation is passed, this will help level out private and public insurance rates for Floridians, making it easier to acquire insurance from year to year even though they live in an extremely high risk area. If you are a new resident of Florida and have moved to the state between the months of June and November, hurricane season, you may not be able to acquire hurricane insurance for the first season, as many insurance companies put a block on new hurricane insurance policies until after hurricane season is over. This is to prevent those who may just acquire the insurance temporarily and then get rid of it after hurricane season is over. Before closing on the home, consider adding the current Homeowners policy into the contract on the home to ensure that you will be covered for the first season. If this is not possible, you may be able to find insurance to cover a hurricane but it could cost a pretty penny.

Tuesday, October 25, 2016


Why Vacation Rental Homeowners need a Property Manage

 
MARATHON, Fla. - Sept. 26, 2016 - PRLog -- Per Brenda Alexander, Broker/Associate at Remax and owner of KeysIslandSales.com in Marathon Florida,"There are several reasons for hiring a property manager and all are beneficial to investment property owners. When you own an investment rental property, you want to keep operating costs low while maximizing your monthly revenue. That's easier said than done -- as most investment property owners learn at some point. A property manager takes a lot of the guesswork out of the equation and provides substantial peace of mind.Although a property manager charges a fee based on a percentage of the rental rate, the return on investment or ROI is much larger.

Here are more of the biggest benefits and reasons for hiring a property manager:

● Setting a true market-based rental rate. One of the biggest mistakes investment property owners make is over or under pricing their rental rates. Relying on anecdotal information and dubious marketing strategies is all too common. Set the rate too high and the vacancy period will extend far longer than it should. Set it too low and attract the wrong tenants.

● Collecting rents on-time. Speaking of rent, it's every investment property owner's dream to collect it on-time each and every month. Unfortunately, that's not a typical reality. But a property manager changes the entire situation.

● Advertising the property strategically. Marketing a rental property isn't as simple as most people believe. It's a combination of science and art, along with a healthy amount of experience.

● Screening prospective tenants. Another huge mistake all too many investment property owners commit is not fully vetting potential tenants. While it's an uncomfortable process and denying an application is the last thing you want to do, it's completely necessary.

● Properly managing tenants. Rental tenants can pose a number of problems these aren't limited to paying late or disturbing neighbors. A good property manager knows how to properly manage tenants to create a better situation.

● Dealing with contractors. Landscaping, electrical work, plumbing issues, roof leaks, and other common maintenance will be a reality. Having an experienced property manager makes it all the more smooth and owners don't have to deal with various contractors.

● Ability to manage long-distance rentals. Some rental property owners become landlords because they move away and do not sell their previous homes. A property manager makes managing a long-distance rental a cinch.

● Maximizing owner profitability. A good property manager is able to trim costs where possible and negotiate the best contractor rates. This helps to maximize the owner's profitability.

In addition, a property manager will ensure all applicable housing regulations and landlord-tenant laws are followed

For help buying or selling Middle Keys Real Estate, please see Brenda's website athttp://www.keysislandsales.com.

Contact
Keys Island Sales
***@keysislandsales.com
End

The Cost of Living in Key West

 
KEY WEST, Fla. - Oct. 21, 2016 - PRLog -- Per Fred Mullins, Top Producing Member of Team Mullins at Coldwell Banke Schmitt in Key West and owner of www.lowerkeys-homes.com,"There's really no mystery to the cost of living in Key West. In fact, many people move here to enjoy the island lifestyle and vacation like feel every day of the year. Over 1,000 people move to the Sunshine State every day and there's plenty of reasons why. Of course, the wonderful weather plays a big role, as does the relatively low cost of living. Here's the real scoop on the cost of living in Key West:

Low tax rates. The state of Florida does not have an income tax, only a small sales tax (which does not apply to necessities, such as food.) In addition, your homestead exemption will do wonders to lower your property taxes. That's a huge amount of annual savings and even more as the years go by.

Build equity faster. Because land is finite in Key West and it's such a highly desirable place to live, you will build equity much faster compared to other parts of the country. If you buy under your budget, you'll be able to amortize your mortgage faster, creating equity sooner.

Utilities are less expensive. There are no harsh winters in Key West. In fact, winters are very mild. This means you won't be turning on the heat much and there are months where no air conditioning are needed to stay completely comfortable. Say goodbye to servicing your furnace and all that it costs.

Vehicles last much longer. The phrase "garage kept" is something that's a wonderful sales pitch but in Key West, your vehicle won't be subjected to salted roads. Vehicles simply last a lot longer here than in the midwest and northeast.

No need to spend money on winter clothing. That heavy winter clothing which goes out of style and needs periodic replacement won't be necessary in Key West. You won't have to maintain a mudroom, scrape ice, or shovel snow. Or pay to have the driveway cleared and other winter expenses.

More outdoor recreation means better health. Key West offers a lot to its residents and with so many outdoor recreational opportunities, you'll be able to stay active, reducing your healthcare costs.

Fred Mullins, P.A. holds an MBA, B.S., real estate license United States Coast Guard Master Captain's license and commercial pilot's license. With over 20years of cross functional experience in real estate, international asset management and construction management, Fred's experience places him as one of the top real estate professionals in the Florida Keys.For help with buying or selling Real Estate in the Lower Florida Keys,see http://www.lowerkeys-homes.com

Contact
The Mullins Team
***@bellsouth.net

Buying a Home with a Pool -- What You need to Know

 
ISLAMORADA, Fla. - Oct. 21, 2016 - PRLog -- Per Jan Keller, Top Producing Real Estate Agent for Coldwell Banker Schmitt Real estate and owner of Kellerporterteam.com-Everything about Real Estate in Islamorada and the Upper Keys,"Everyone loves the thought of having their own home, complete with a swimming pool.

Images of family splashing around and guests dipping their feet in or wading about with drinks in-hand are definitely enjoyable. However, to enjoy a pool, it must be actively maintained and even if you go the do it yourself route, this will cost money every month.

Here's some more of what you need to know about buying a home with a pool:

The impact on the house's value. A National Association of Realtors study found that a swimming pools adds about 8 percent to a property's value. But that was just in one market. In others, it can be higher -- 10 percent or more. Of course, in other markets a pool provides little to no value increase. It just depends on the geographic location and the neighborhood. For instance, in Florida, pools are commonplace and do add value. But in the northeast or midwest, this can be very different.

Cost of upkeep and long-term expenses. The cost of upkeep is more than just routine maintenance. Sure, you'll have to keep the pH level balanced and skim foreign objects out but there's also the consideration of more substantial expenses. For example, when the pump fails or worse yet, when hydrostatic pressure compromises the walls. Resurfacing is also a necessity and a costly one.

Its value as a selling feature. A swimming pool adds more than just to a property's real market value, it also adds to its marketing value. A pool is an amenity that often serves as a big time selling feature. This is especially true for new couples and couples with children able to swim. However, a pool can be a negative for older couples and for those with very young children.

Actual use. When you see a house with a pool, you'll dream about how much you'll use it. But reality will intrude. Be realistic about how often you'll use it.

Current condition. Do yourself a favor and hire a home inspector that's very experienced in assessing pools.

For more information about Homes for sale in the Upper Florida Keys, please contact Jan athttp://www.islamoradajan.com

Contact
The KellerPorter Team
***@msn.com
End

Wednesday, April 27, 2016

Your Guide To Building A New Home

Because the current real estate market favors buyers, a number of people believe that they'll get their money's worth out of any used home they buy. Although it's true that many used properties are priced low, they're not ideal for every family. For some, it's smarter to get a construction loan so that they can build a beautiful new home for themselves.

Building a home may sound prohibitively expensive or overly challenging, but it's a very real possibility. People just need an understanding of construction loans. Currently, most people opt for a construction-to-permanent loan. These loans cover the cost of the lot as well as the cost of home construction and become a mortgage once the house has been built. The process is quite similar to the one followed when someone buys a used home. They make a down payment, then make payments at a fixed rate. Once the home has been completed, the loan will convert to a fixed mortgage.

In some cases, buyers will be able to make interest-free payments while the house is being constructed. However, this is not an option offered by every bank. When it is offered, the bank will determine how many interest-only payments can be made ahead of time. These funds will typically be deposited into a separate account. People who are currently making mortgage or rent payments may find an option like this ideal. From there, the contractor will provide a release schedule. This will give both the buyer and the bank an idea of what to expect.

If you're considering a new home construction loan, you'll want to make sure you keep these things in mind.

1. Be aware of what you can afford

Don't take on more than you can handle. Use a loan calculator to determine what kind of loan makes sense for you. Make sure that you have enough saved to make a 20% down payment. Otherwise, you'll be stuck dealing with PMI payments.

2. Compare loan rates

Make sure you get the most competitive loan rate you can. Shop around and talk to numerous lenders and banks. You may want to ask your contractor if there's a lender they'd recommend.

3. Read over the pre-approval papers

Once you get approved for a loan, banks should send you some pre-approval paperwork. Read over them so that you can compare them more accurately. See what the closing costs and tax rates will be; you don't want to be surprised by any hidden costs.

4. Seek out a great contractor

When you're getting a new construction loan, finding a reputable contractor is crucial. Make sure that your contractor is properly licensed and fully insured. You should also make sue they've built new homes before. Work with them to determine a budget, building costs, and to come up with a plan for your home.

5. Find the right lot

Work with a realtor to find the right lot for your home. Make sure you have all of the building permits you need and ensure that there won't be any issues with your septic or water system.

After you've completed these five steps, you'll be in the perfect place to start work on your new home
Article courtesy of http://www.keysbestproperty.com.

Thursday, March 24, 2016

Reasons To Buy A Waterfront Property In The Florida Keys

Reasons To Buy A Waterfront Property In The Florida Keys

"There is only so much land available." This is a statement you must always keep in mind, especially when you're looking at attractive destinations such as the Florida Keys. In this article, you'll discover why owning a waterfront property in the FL Keys is a great investment.

The FL Keys is situated in the southern tip of Florida, a tropical paradise that stretches toward the southwest. Although it's just a narrow strip of land, the view and ambiance are second to none.

The weather is fantastic year-round and you won't run out of things to see and activities to do. There are numerous water activities including swimming and fishing. Simply walking along the white sand beaches can be very enjoyable.

Over the past few years, a lot of people have chosen to make the FL Keys their permanent home. It's simply an excellent place to settle down. There are plenty of things to do both day and night. This doesn't mean the place is always busy. You can still find time to relax if all you want is some peace and quiet.

One of the primary reasons why it's a great investment to purchase a waterfront property in the Florida Keys is that there just aren’t a whole lot of properties in the area. And although the place has suffered a bit of slowdown as a result of the overall economy, it remains appealing to plenty of people because of its limited availability, making it a great long term investment.

The Florida Keys is one place that many people love to visit, making it a popular destination alongside Telluride and Aspen. But rather than snow skiing, what you can do here is water skiing! You can rest assured that the value of the waterfront property in the Florida Keys will rise over the coming years, simply owing to the fact that there isn't a lot of properties in the area and the sheer beauty of the surroundings.

If you're planning to buy a waterfront property, it's recommended to talk to a local realtor who has enough knowledge about the area and access to various real estate properties being sold. The realtor should be able to help you choose the right property to invest in, ensuring that you get it at the best value.

There are several areas within the FL Keys, each one boasting of its own unique set of characteristics. An experienced local realtor can help you in understanding these different areas, allowing you to come up with an informed decision as to where to put your money.

With careful planning and thorough research, you should be able to evaluate the different properties in the FL Keys and find precisely the one that matches your taste.

With a waterfront property in the Florida Keys, you can enjoy a lifestyle other people can only dream of. Having a backyard with such a one-of-a-kind view can certainly be a dream come true.

Key West Vacation Rental Properties Are Great Investments

Key West Vacation Rental Properties Are Great Investments 
 
Mediocre investment rental properties are separated from great ones by a number of factors. One of the most important factors is the truism that it is "location, location, location" that is most vital when making a purchase. Of course, the reason that this cliche has lasted so long is because there is a great deal of truth in it. If you head to an undesirable location and buy a great looking home, you have a great looking home in an undesirable location. It may be stylish and be equipped with many creature comforts, but its value will be substantially suppressed by its location.

To make smart choices, a property investor must begin by thinking strategically. This means that investors must first think about their purchase of rental property as an investment. People head out for their vacations and stay in destination locations to have some fun during their free time. On the other hand, people living full time in these tourist destinations also need a place to live.

Why You Can Find Great Investment Opportunities In Key West Rental Income Properties

The Key West economy relies on the tourist industry and the annual visits of hundreds of thousands of tourists. People living and working in that industry require a place to live. This means that real estate investors have two robust streams of income when they invest in rental properties in the area.

In fact, location matters so much that a rental property in an area like this has more benefits than those found within ordinary neighborhoods. The two primary benefits include shorter vacancy periods and higher rents. In Key West, a destination area, rents are higher for both full time renters living and working in the region as well as for short term vacation stays. In addition, there are very short vacancy periods between rentals. In fact, those vacancies will be periodic and short.

In addition, because of the rental home' location in a destination area, it will appreciate more rapidly in value. The eventual return will be higher, even though the entry price is higher than is found in properties found within ordinary residential areas. This works especially well for long-term investors who hold onto property for many years and plan on cashing in much later for a larger profit.

Because there are so many mortgage financing options that are affordable and with interest rates near historic lows, conditions are favorable for investors ready to make a purchase now. Those that do so can purchase more properties in the future because they will have a substantial amount of collateral leverage.

Understanding How Vacation Rentals Work

Understanding How Vacation Rentals Work

To get the most out of your vacation rental, it is important to understand which types of properties are best suited to this business model. For instance, single-family homes can be used as vacation rentals. However, you may find it more beneficial to invest in a townhome, condo, or multifamily property, simply for the fact that they tend to require less hands-on maintenance.

The idea behind a vacation rental is to give people a home away from home. That means providing them with a fully furnished property that is located close to grocery stores, restaurants, or tourist attractions. There are, of course, exceptions to this rule such as secluded cabins in the mountains. However, for the most part, you will have the best luck if you choose a property that is conveniently located.

Investing In A Vacation Property

Before you jump in and buy a vacation property, it is important that you consider all of the following points:

* As was previously mentioned, the location of the property is absolutely key to whether or not it will succeed. Ideal vacation rentals are located near popular tourist spots or in beautiful natural settings.

* Think objectively about whether or not the property is actually something that people will want to rent. Try to put yourself in the mindset of a family who is looking for a vacation property. Are there any additions you could make that would make them more likely to choose your property rather than another? For instance, installing a sand volleyball court in the backyard may be a great choice if the property is located near a beach or has nice weather year round.

* Before buying a vacation rental on the other side of the country, think about how you will manage it. You may prefer to buy something closer to home so that you can be more actively involved in the upkeep and maintenance. On the other hand, if you buy in a remote location, you can always hire a property management company to manage it for you.

* Crunch the numbers before you buy to make sure that you can comfortably afford any payments on the new property. Don't count on it being rented out continuously. Instead, make sure that you can handle the payments with absolutely no one renting it for at least a few months at a time.

* Make sure the home has enough bedrooms and bathrooms to appeal to a wide variety of renters. The more bedrooms and bathrooms you have, the larger groups you can accommodate, which may make your property more appealing. Oftentimes people like to travel with their friends and family. Being able to all stay in one location can make the experience a lot more fun.

Regardless of where you buy your vacation property, it is important to work with a qualified real estate agent. They can help you evaluate homes to determine which ones offer the best rental potential. Additionally, they can help negotiate a great deal for you at closing time so that you don't have to pay any more than necessary for the home.

The Best Activities in the Florida Keys

The Best Activities in the Florida Keys
The Florida Keys are the perfect destination for anyone that enjoys spending time outside. There are incredible reefs, gorgeous waters, beautiful weather and a ton of activities to engage in after dark. It is easy to find something to enjoy on your vacation. The following activities are some of the best that the Florida Keys have to offer.

When you think of the Florida Keys,
 the ocean almost immediately comes to mind. Therefore, some of the most popular activities at this destination involve the water, and include fishing, scuba diving and snorkeling. Fisherman enjoy catching and eating their dinner, as the local waters in the Keys are filled with snapper, redfish, lobster, shrimp and grouper. Fisherman of different experience levels all enjoy the fishing in the Florida Keys, and fishing excursions are available for the adventurous at heart. If you do not want to go on an excursion, just find a little spot to throw out line and see what you reel in. You will not be disappointed in everything the Florida Keys has to offer.

Would you rather be in the water than fishing around it? The Florida Keys are well known for their diving excursions.  You never know what you might find when you are swimming beneath the surface of the ocean. You could run into a sea turtle or stumble across a school of angel fish. Do not forget your underwater camera if you head over to the reefs; the view is simply stunning. If you really know what you are doing, you may find a wreck to swim through or even find yourself swimming with the sharks. However, the shallow reefs are perfect for those just starting out in the diving world.

There are certainly things to do on the water that do not involve diving or fishing. Visitors to the Keys often enjoy sailing and kayaking as well. Sailing allows you to take in as much of the Keys as possible. If you are feeling adventurous, you can actually live on the sailboat for a short time and take off on a week-long adventure. You will find that the sunsets in the Florida Keys are some of the most beautiful in the world, and seeing them from the water is an incredible experience. There is also something special about spending your days on the water, with the sea salt spraying in your face.

If you are a nature-lover, kayaking might be the activity for you. You can maneuver through the wetlands and natural preserves of the Keys, viewing alligators, birds and perhaps a manatee!

If you decide to stay on the shore, you can still have a great time in the Florida Keys. The white sand beaches are a great place to relax and look for seashells. You will find no shortage of activities in the Florida Keys, so starting planning your next trip today! You will have a wonderful time in this sunny bit of paradise, and you may begin planning your return trip before you even leave the area!