Contact Your Southernmost "Tocco" Belle Today!   
Home
Featured Listings
Search The Keys FREE!
Free Home Warranty!
 Contact
Lower Keys Office
Address: 29967 Overseas Highway
Big Pine29967 Overseas Highway
Big Pine Key, FL 33043 Key, FL 33043
Toll Free: 800.488.3050
Cell: 305.240.1047
Phone: 305.872.5265
Fax: 305.872.4220
Email: niratocco@aol.com

 

 

 

MY HOME BUYER SERVICES...

I take the buying process as seriously as my buyers do, therefore I offer nothing but the highest quality of service to my clients. When you decide to purchase your home in the Florida Keys, make sure you hire someone whom you can trust and someone who wants to earn your business.  Buying your home in the Florida Keys is one of the most important purchases you will make, so make sure you have the right agent who can provide you with the experience and the service you deserve.

When you understand current market conditions, you are better able to position yourself as a Seller. It helps to know if you are in a Seller's, Buyer's or Balanced market when setting your asking price. In a Buyer's market there is a lot more competition and Buyers have plenty of choices and room to negotiate, forcing you to be very competitive when setting your price.

Here are some of the steps I take to find your perfect home:

1.  Determine Your Wants and Needs - This is the single most important step!  By asking you a series of questions I will establish what you are looking for.  My goal is to not waste your time by looking at properties that are not in your price range or homes that don't meet your needs. Throughout the buying process I will maintain your confidentiality and represent your best interests.
2. Help You Get Pre-Qualified - This step will show you how much you can afford. This is accomplished by speaking with your financial institution and establishing what monthly payments you will be comfortable with.

3. Home Shopping - I will use every available method to locate a property that matches your search parameters. This will include properties listed with our office, offered through other real estate companies, as well as unlisted properties. I will disclose all known facts about the property that are likely to affect your decision. When we find the home that meets your criteria, I will assist you in writing an offer and act as a liaison between you and the seller. 

Feel free to contact me if you have any questions about buying a home in the Florida Keys!

Home inspections and what they should cover

  1. Siding: Look for dents or buckling
  2. Foundations: Look for cracks or water seepage
  3. Exterior Brick: Look for cracked bricks or mortar pulling away from bricks
  4. Insulation: Look for condition, adequate rating for climate (the higher the R value, the more effective the insulation is)
  5. Doors and Windows: Look for loose or tight fits, condition of locks, condition of weather stripping
  6. Roof: Look for age, conditions of flashing, pooling water, buckled shingles, or loose gutters and downspouts
  7. Ceilings, walls, and moldings. Look for loose pieces, dry wall that is pulling away.
  8. Porch/Deck: Loose railings or step, rot
  9. Electrical: Look for condition of fuse box/circuit breakers, number of outlets in each room.
  10. Plumbing: Look for poor water pressure, banging pipes, rust spots or corrosion that indicate leaks, sufficient insulation
  11. Water Heater: Look for age, size adequate for house, speed of recovery, energy rating.
  12. Furnace/Air Conditioning: Look for age, energy rating. Furnaces are rated by annual fuel utilization efficiency; the higher the rating, the lower your fuel costs. However, other factors such as payback period and other operating costs, such as electricity to operate motors.
  13. Garage: Look for exterior in good repair; condition of floor—cracks, stains, etc.; condition of door mechanism.
  14. Basement: Look for water leakage, musty smell.
  15. Attic: Look for adequate ventilation, water leaks from roof.
  16. Septic Tanks (if applicable): Adequate absorption field capacity for the percolation rate in your area and the size of your family.
  17. Driveways/Sidewalks: Look for cracks, heaving pavement, crumbling near edges, stains.
    Reprinted from REALTOR® Magazine Online by permission of the NATIONAL ASSOCIATION OF REALTORS® . Copyright 2003. All rights reserved

Homestead exemption .

New 2008 property tax Reforms:
In a January 2008 ballot measure, Florida voters approved a constitutional amendment that introduced several changes to our state's property tax system. The four changes may affect the amount of tax you owe:
Increased Homestead Exemption: If you're currently receiving a $25,000 homestead exemption on your property taxes, you will automatically be upgraded to a $50,000 exemption this year. If you are a homeowner and do not currently receive the exemption, you may file your application in person along with a $15 late fee, through mid-September.
Save Our Homes Portability Cap: You may now trasfer up to $500,000 of your property tax cap to a new home when you move. To take advantage of this benefit, you must file a Homestead Exemption and Portability Application.

Tangible Personal Property Tax Exemption: If you're required to file a Tangible Personal Property Tax Return, you're entitled to a $25,000 exemption on business equipment.
Non-Homestead Cap: Beginning next year, those properties not eligible for a homestead exemption may apply to receive a 10% cap on property tax increases.

Homestead Exemption Overview:
FILING PERIOD JANUARY 1 – MARCH 1
Florida law requires that application be made by March 1st to be eligible for the $25,000 Homestead Exemption. Only new applicants or those who had a change of residence need apply. Automatic renewals are mailed in January each year.

In Florida, $25,000 of the assessed value of your home is exempt from real estate taxes, but you have to meet certain criteria to be eligible for the exemption. First you much have the title or record to your property as of January 1, and reside on the property. You have to be a legal and permanent resident of Florida as of January 1. When applying for the exemption status, bring along a copy of your deed or tax bill, and a Florida county voters registration or Declaration of Domicile. If you drive, you must also bring your Florida driver's license and automobile registration. New applications must be submitted in person at the appraiser's office, but renewals may be done by mail. For further information, consult the County Property Appraiser's Office.

Real Estate Taxes

All residents are subject to county taxes, but each city or special district levies taxes within its boundaries. City, special-district, and county taxes are combined in one tax bill. Real estate taxes are assessed as of January 1 each year. They are due and payable on November 1 and become delinquent if not paid before April 1 of the following year. Florida law holds the taxpayer responsible for receiving and paying tax bills in full. For additional information contact the County Property Appraiser's Office.

Establishing Residency

To establish residency, you may register to vote or file a Declaration of Domicile, which is an affidavit available at the CountyCourthouse. Filing one copy with the Circuit Court provides a record of your intention to make Florida your home. Simply moving to the State does not guarantee legal residency. For more information contact the County's Clerk of Circuit Court.

What is Homestead Exemption?
Florida Law entitles every person, who has legal or equitable title to real estate and maintains it as his/her permanent residence, to apply for a $25,000 homestead property tax exemption. A partial exemption may apply if the ownership of the applicant is less than 100%.

Am I eligible to file?
You must meet the following requirements as of January 1st:

Have legal or beneficial title to the property, recorded in the Official Records of County
Residency on the property
Be a permanent resident of the State of Florida
Be a United States citizen or possess a Permanent Residence Card (green card)

When do I file?
The deadline to file an application for exemption is March 1st. Under Florida law, failure to file for any exemption by March 1st constitutes a waiver of the exemption privilege for the year.
Regular filing is January 2nd - March 1st.
Pre-filing for the coming year is March 2nd - December 31st.

How do I file?
Take copies of the required documentation to your Exemption Department:Generally at the County or City Court House