Properties, Houses and Condos for Sale in St Petersburg Treasure Island Florida

Handy man special, needs some TLC, fixer upper, Real Estate in Saint Petersburg.

The above terms are used very often in the Real Estate business, Realtors use them, buyers use them but what does it really mean? I always get phone calls like "Anne I am looking for a fixer upper in St. Pete"  Well, what is a fixer upper to you might be a tear down to me. TCL (tender loving care) might be a major renovation job to you. When some people hear "Handy man special" they think a new carpet and some paint will do the trick. I might think it needs two new bath rooms, a new kitchen and flooring.

See, you never know what people mean by fixer upper, tear down, handy man special etc. Everybody has a different opinion and view. The only way to find out what it is to you is actually looking at the "diamond in the rough" (I love this one) and deciding for yourself. The job can be much bigger than you think or it can be much small than you think.

If you think about buying or selling a house or condo in Saint Petersburg Florida, give me a call. I know the market, I know the neighborhood. Ask me about waterfront homes or condos in St. Pete beach, Treasure Island, Madeira beach, Seminole and other Tampabay areas. We also work with short sale and foreclosures.   727 409 8706

Search  single family, condos, vacation homes or investment properties for sale in Florida

Ask me a Real Estate question or request more information on properties for sale or the Saint Petersburg Real Estate market.

Today I showed a few waterfront homes under $500,000 in Saint Pete Beach, Treasure Island, Madeira beach and Redington. You just never know what to expect when you show a foreclosure, short sale or bank owned house. The first one on Isle of Capri, advertised as waterfront for $249,000 was only water view and the smell that hit us when we open the door was so bad, my clients did not even want to go in. That was probably the fastest showing I ever had.

Another home asking price $ 225,000 in Redington beach had just a little bit of water (maybe 15 feet) and no chance to put a boat dock in, but still, the price was great. When we went inside, we found out why. The doors were gone, the appliances were gone, the whole kitchen including cabinets and sink etc. was gone, all the electrical receptacles were gone, all light fixtures gone, the AC was gone, we were actually surprised why they had not taken the front door. We saw a few others between $400,000 and $500,000 that had very strange floor plans and we saw about 3 homes under $500,000 that were just great and in good condition with a nice waterfront and priced way below market value.

So, if you are looking for a short sale or bargain, be prepared, you never know what you will find. There is the good and the bad and lots of things in between.

If you think about buying or selling a house or condo in Saint Petersburg Florida, give me a call. I know the market, I know the neighborhood. Ask me about waterfront homes or condos in St. Pete beach, Treasure Island, Madeira beach, Seminole and other Tampabay areas. We also work with short sale and foreclosures.   727 409 8706

Search  single family, condos, vacation homes or investment properties for sale in Florida

Ask me a Real Estate question or request more information on properties for sale or the Saint Petersburg Real Estate market.

Not in writing, not enforceable. Real Estate contracts. "Statute of Frauds" 

Isn't this the first thing every real estate agent learns in school?

Isn't that the most important thing a broker can teach you?

At one point I had 50 flyers all over my office walls, just saying

Statute of Frauds, not in writing not enforceable.

My Realtor can repeat this in their sleep.

Why is it that I still (and this week top it all) hear from other Real Estate agents

"But we told you"

"But we thought"

"But we wanted"

"But we understood"

"But we figured"

This is a reminder to everybody, if you do not want to hear all the BUTs, put it in writing and have it signed. Nothing easier than this. Real Estate is a serious business, we owe it to our buyers and sellers to do it right, not to just assume or think or . . . . ..

Anyway, I hope I am the only one that runs into this priblem all the time.

If you think about buying or selling a house or condo in the Saint Petersburg Tampabay Florida area, please give me a call. Ask me about waterfront homes or condos in St. Pete beach, Treasure Island, Madeira beach, Seminole and other Clearwater Tampabay neighborhoods. Find out what we can do to sell your home or condo and what the value of your property is. Check out great real estate deals or visit condo associations like Seminole Isle.

We also work with short sale bank owned and foreclosures. Find a property or go to my website for more real estate information or simply contact us.   727 409 8706

Foreclosure, Bank owned and Short Sale properties in Saint Pete beach Florida

I had a client today that wanted to buy a house or condo that is either a short sale or a pre foreclosure or bank owned already. He realty likes Saint Pete beach, but did not think that you could get a great deal in this prestigious beach town.

below is a list of a few short sale and foreclosures in Saint Pete beach currently for sale. As you can see, St. Pete is not exception to the rule, every town, waterfront or not is affected by our mortgage disaster.

If you think about buying or selling a house or condo in the Saint Petersburg Florida area, please give me a call. Ask me about waterfront homes or condos in St. Pete beach, Treasure Island, Madeira beach, Seminole and other Clearwater Tampabay neighborhoods. Find out what we can do to sell your home or condo and what the value of your property is. Check out great real estate deals or visit condo associations like Seminole Isle.

We also work with short sale bank owned and foreclosures. Find a property or go to my website for more real estate information or simply contact us.   727 409 8706

This is a LONG newsletter (hope you read it anyway)

Let's start with real estate.

Good news

The Interest rates are down down down !!!

So, hopefully that will keep a lot of people with ARM's in their homes because they can afford their mortgage payments again. Also, a 30 year fixed is the lowest rate we have seen in 37 years.

It will get buyers "off the fence" and motivate them to buy because the interest rate is so low (how much lower can it get)

Add these two and we will see a lower inventory which is exactly what we need to balance supply and demand.

I am not going to give you any bad news this time because you get enough from the media and after all, it is the holidays.

Just a few real estate numbers for Pinellas County as of Dec.1^st.

Our inventor is down to 15,540 single family homes and condos (combined)  for sale in Pinellas County. Remember, we were around 17,000 not too long ago.

We sold 8682 properties so far this year

More than 65% of the sold properties were in a price range between $100,000 and $400,000.

Thanks to one of my friends (keep the info coming)

We now know how to

Save money on directory assistance when looking or a business phone number.

Call Google. Yes that is right It is called Goog-411

A free telephone based information service that could replace expansive 411 calls. About 2.6 billion 411 calls are made in the U.S. each year, and it is a $7 billion/year market.   So, try it, dial 1-800-GOOG-411   =  1 800  4664  411 The computer even understands my strange accent. . . . .

Special thanks to Nancy Scarangella and Lana Wagner who have (literally) given me a truck full of stuff to donate to CASA

 I got this from yet another friend, please read.

Change your cell phone location setting to "on".

You may remember that a young woman was recently abducted from a Target
parking lot in Overland Park, a suburb of Kansas City. Her body was
discovered many miles away in Missouri. They were able to locate her by
the sequence of cell phone towers that picked up her cell phone location.


She had not attempted to dial out, but when her family was trying to call
her the towers could sense her phone. Sadly, the authorities were not
able to reach her in time. However, they were able to locate her body
which was in an area where they never would have searched without the
cell phone tower information.
The cell phone 'locator' can be either set to:

1. E911 ... in which case you must dial out to be located;
2. or it can be set to be on all the time ... 'Location on'

With it on all the time you can be located by emergency services through
the police if you fail to respond (sick, injured or worse).
ALL cell phones have this feature. It's called Location.
It's under the Settings tool
Once you turn this on, THEN your phone is traceable (select Location On
instead of 'E911 Only').

Here are my tips for this month.

Let's help and save the planet.

Put that extra plate or two in your dishwasher or the extra towel in the washer.

Use half of the shampoo, (you will still look gorgeous)

Do not take bags at the store if you can fit the purchase in your handbag or simply carry it to the car.

Set your water heater a few degrees lower, you won't really notice the difference.

Try to recycle; bottle and cans are the easiest.

Sat away from Bleached paper products, brown is beautiful color, so use the none bleached.

Last but not least Mr. Mandell brother of Mr. Diabetes

 (We work in the same building) asked me to tell all of you about this special event on Dec. 21. His brother will complete a 10,000 mile walk on that day and you are invited come to join the Walk and PARTY. Read this story, it is amazing, he walked for 8 years !!! http://defeatdiabetes.org. Final walk 1.30 to 4 pm starts at the north end of John's Pass 2 miles to Archibald Beach.

Here are my tips for this month.

Let's help and save the planet.

Put that extra plate or two in your dishwasher or the extra towel in the washer.

Use half of the shampoo, (you will still look gorgeous)

Do not take bags at the store if you can fit the purchase in your handbag or simply carry it to the car.

Set your water heater a few degrees lower, you won't really notice the difference.

Try to recycle; bottle and cans are the easiest.

Sat away from Bleached paper products, brown is beautiful color, so use the none bleached.

OK

Enough with the reading, go out and enjoy yourself, have a good time and smell the roses.

Happy Holidays and a wonderful start to the New Year.

As always, check out my website

AnneHensel.com leave your comments and questions, get updates on the market and find more information on Saint Petersburg Real Estate.

Here are some older Real estate newsletters for Saint petersburg Florida 

South Beaches newsletter November

St. Petersburg Real Estate Newsletter for October

Real Estate news for Pinellas County

Search  single family, condos, vacation homes or investment properties for sale in Florida.

If you think about buying or selling a house or condo in the Saint Petersburg Florida area, please give me a call. Ask me about waterfront homes or condos in St. Pete beach, Treasure Island, Madeira beach, Seminole and other Clearwater Tampabay neighborhoods. Find out what we can do to sell your home or condo and what the value of your property is. Check out great real estate deals or visit condo associations like Seminole Isle.

We also work with short sale bank owned and foreclosures. Find a property or go to my website for more real estate information or simply contact us.   727 409 8706

Go out of your way to save the planet.

Please tell me what you do.

I would appreciate your input.

I want to include tips of :

"Little things we can do to save the planet" in my next newsletter.

But I am running out of ideas.

I am sure everybody has a suggestion, please let me know.

So far, what I am doing is

Really watching my AC and turning it up 1 degree.

Not taking plastic bags in a grocery store if I only have one or two items.

Packing that extra plate or two in the dishwasher.

Cleaning out my dryer filter more often.

What else can I add to the newsletter?

I need small things so people do not have to go out of their way too much.

Any ideas?

Update on Seminole Isle waterfront condos for sale in Florida

 Below are the units that are currently on the market.

Please pay attention to the LP/SF. This is the listing price per square feet and does not include the balconies. When I look at all the units that were sold this year, the average asking price per sf. was $142, now with all the active listings the average asking price per sf is $169.

I am wondering, has Seminole Isle reached the bottom? It is hard to tell, I search public records and there are some more short sales and foreclosures to come.

Anyway, this will be interesting to watch.

If you do not know Seminole Isle, please read about it below. 

Seminole Isle in Seminole Saint Petersburg

Seminole Isle is a very nice community here in Seminole Florida.  It is located right on Park Blvd between Seminole Blvd and Park Street, in the middle of Seminole across the street from the huge Seminole park. It is only minutes away from the beaches of Madeira and Redington. Seminole Isle is a gated community with 6 condo complexes a total of 180 units and a lot of town homes. Nearly all units have a great view onto Lake Seminole and the nature preserve. The complex is right on the water and has a nice dock and its own little beach. Seminole Isle features a nice clubhouse and tennis courts, a heated swimming pool and a long walk way around the community with beautiful direct waterfront places were you can just hang out or fish or watch the birds.

Location, Location, Location, it does not matter where you need to go in St. Petersburg, Seminole Isle is 10 minutes or less from everything. There is a Publix and a Sweet bay within 5 minutes, a Home depot within 3 minutes, shops and restaurants even the Seminole Mall is less than 5 minutes away. It will take you 30 minutes to Tampa airport and about 15 minutes to the downtown Saint Petersburg waterfront. Seminole itself has a lot to offer, it is an up and coming community with lots of energy and lots of fun things to do.

Seminole Isle was built some 4 years ago by Beazer, one of the nicest projects they ever did. Unfortunately the real estate market changed over night and Beazer stopped constructions on other projects that were planned for Seminole Isle. So, right now there is a lot of vacant land within the community. If you do not know about the developer stopping the project, you would not realize that it was supposed to have a lot more buildings. In the beginning of 2008 the developer turned the condo affairs over to the Seminole Isle association and the complex is now managed by the Leland Management Company. They have an onsite property manager that takes care of everything.

Ok Let's talk about the condos in Seminole Isle, like I said there are about 180 units and the have 3 different floor plans. The condos are either 2 or 3 bedroom between 1500 and 2100 heated square feet. Each condo has an assigned parking space underneath the building and tons of parking outside. Also, each condo has a very nice size screened in balcony, open floor plan and high ceilings.

The town homes are a little over 2000 sf. also available in 3 different floor plans and they have a big over sized two car garage/ bonus room downstairs. You have your kitchen, living room area on the second floor and the bedrooms on the third floor.

I kind of like the condos better, that might be because I am too lazy to walk up and down the steps in a town home.

In the beginning of 2008 Beazer sold their last units in Seminole Isle and now everything that is or comes on the market is a resale. People paid a lot of money for these condos when they were brand new. Well, like I said before, in the meantime the market has changed and the sales prices in Seminole Isle went down dramatically.

We are talking about prices that dropped by $150,000 within a 2 years period. Well this is good news for all the buyers out there, once in a while you can find that unbelievable deal in Seminole Isle. We sold one a few month ago, 2100 Sf. condo for $270,000. The seller had paid way over $400,000 for it about 2 years ago. 

If you think about buying or selling a house or condo in the Saint Petersburg Florida area, please give me a call. Ask me about waterfront homes or condos in St. Pete beach, Treasure Island, Madeira beach, Seminole and other Clearwater Tampabay neighborhoods. Find out what we can do to sell your home or condo and what the value of your property is. Check out great real estate deals or visit condo associations like Seminole Isle.

We also work with short sale bank owned and foreclosures. Find a property or go to my website for more real estate information or simply contact us.   727 409 8706

Here are just a few fun things to do in the Saint Pete area.

You could go to The beach theater in Saint Pete beach they will show a few classics this month, among them                  December 20 - A Christmas Story (1983),  December 13 - Miracle on 34th Street (1947), December 21 - The Nutcracker (2007), December 22 - A Christmas Carol (1951), December 27 - Willy Wonka and the Chocolate Factory (1971)

What are you doing on Dec. 17 -(weather will be great)  Player Beach Bash at the Tradewinds in Saint Pete Beach
3 to 7 p.m. The Memphis Tigers and the USF Bulls have a Player Beach Bash party and fun activities. 

Come to Sunset beach on Treasure Island                                                                                                                    Join Santa & Mrs. Claus in Sunset Beach with caroling and sharing holiday cheer as they stroll the streets with "Merryment Stops" along the way, Sunday December 21st. Meet at 5pm at the Beach Pavilion ... Come join us, it is a cool event and afterwards everybody ends up at Caddy's waterfront bar.

Need cheese? Saint Petersburg                                                                                                                                       On December 20^th 2008 at 11am, Mazzaro's Italian Market at 2909 22^nd Ave North, Saint Petersburg, Florida will cut an 800lb.  Provolone as part of their Christmas tradition. Be prepared it will be a mad house, but fun.

That is not every chritmassy, on Dec. 18 - Movies at the Museum of Fine Arts  shows                  Saturday Night Fever., 255 Beach Dr. N.E. Movies begin at 7 p.m. in the Marly Room, galleries open in the original building from 6 to 7 p.m

What a great place. Fine southern cuisine and that is so true. I really like this restaurant. It has a great atmosphere and great food. The staff is very friendly and the place is beautiful. High ceilings (and I mean 20 something feet) nice little bar area, outside seating etc. The colors are very warm and they used a lot of wood. They have a Julep iced tea for $3 or an original Julep with Kentucky bourbon for $7. Their appetizers start at $7 up to $9 and entrees are somewhere around $19. So, if you are somewhere in the area and want to taste southern cooking, the Savannah's is the place to go. It is right on Central Ave in a beautifully restored old building. This is not the typical restaurant with the typical food.

1113 Central Ave Saint Petersburg Florida.  I think they are closed on Sundays, maybe you want tp call first  727 388 4371

I want a foreclosure or short sale condo on the water, direct beach from in Saint Petersburg.

Do they exist? I just did a quick search last night, and I found more than 10 short sales or pre foreclosure listings in the Saint Pete beach, Treasure Island and Madeira beach area that are direct beach front. A lot of people think that the waterfront homes and condos here in Saint Petersburg are not affected by this market situation, well, wrong. There are distressed properties in the Sunset Vistas, Las Brisas of Madeira, La Vistana, Fairwinds condo, Las Olas, Sea Scape, Sea Rocket, San Remo Beach front condos just to name a few. The asking prices for a one bedroom start at $250,000 and it goes up to $1,100,000 for a 3 bedroom 3 bath over 3500 square feet unit.

Please click below to find out more about buying or selling a Short sale property in St. Petersburg.

http://www.tampabaybeachandwaterfrontproperties.com/buyer-short-sale-information-st-petersburg.html

http://www.tampabaybeachandwaterfrontproperties.com/seller-short-sale-information-st-petersburg.html

Anne Hensel, Realtor, CSP, Short Sale Professional, working with homeowners and buyers to successfully close a short sale transaction in Pinellas County Florida.

A lot of people here in the Saint Petersburg, Seminole area are facing a short sale situation, Waterfront properties on Saint Pete Beach or Treasure Island  as well as little homes in Seminole or Gulfport. Give me a call today and find out what your options are. Your short sale consultation is free of charge and confidential

I want to sell my home in Saint Petersburg Fl., it is a short  sale.  Would you come over to the house and list it so we can start the short sale process? What do you do when you get an e mail like this?                                                                                                                                           The Realtor that has not done short saleswill probably say NO, I do not do short sales and that is ok. Than you have Realtors that will say, sure I will be there first thing in the morning. It is ok when a Realtor does not want to list a short sale because they have no experience or short sale training. The Realtor that jumps, and wants to see the home ASAP, I am not sure what they are thinking.                                                                                                                                       In my opinion. a short sale situation should be handled different than a regular listing. The focus should be on the seller and not so much on the house. When I get a call to list a short sale, I meet with the seller in my office before I go look at the house. I do a CMA on the property, pull public records and prepare a picture of the current market situation here in Saint Petersburg Tampabay. When I sit down with the home owner I explain the short sale process and the consequences. We talk about all the things that can happen and what he can expect over the ext few months. After is consultation, which is free of charge and confidential, the seller can make an educated decision if a short sale is the right answer for him. Once this decision is made, we determine if a short sale is even feasible and that involves a lot of paperwork that needs to be filled out by the seller. After all this is said and done, and we go the short saleroute, I go to the property, make suggestions, do a new CMA and fill out the listing agreement.

I want to sell my home in Saint Petersburg Fl., it is a short  sale.

Anne Hensel, Realtor, CSP, Short Sale Professional, working with homeowners and    buyers to successfully close a short sale transaction in Pinellas County Florida.

A lot of people here in the Saint Petersburg, Seminole area are facing a short sale situation, Waterfront properties on Saint Pete Beach or Treasure Island  as well as little homes in Seminole or Gulfport. Give me a call today and find out what your options are. Your short sale consultation is free of charge and confidential.

It sounds like an accusation. What is wrong with people - or what is wrong with me?

I did not do it on purpose, but I managed to confuse a lot of people.

About 4 weeks ago I had new pictures taken and I changed them on a few websites (not everywhere yet) About 3 weeks ago I decided to change my hair color from light blond to dark red

Now,  have a problem, people see my business card or my car sign or or or and everybody goes like

You do not look like your picture.

So, that got me wondering,

How much do people identify with you because of your picture?

Is it a good think to change pictures frequently?

How about these Glamor shots, are they still in style?

Should you be a slave of your picture and NEVER change your haircut or color?

What do you think?

How do you handle the picture thing?

Please, if I hear this again, I will start screaming.

There are still banks and mortgage brokers out their that go by the numbers and the numbers only.

The monthly PITI payment which is Principal, Interest, Taxes and Insurance combined should not exceed 28% of the monthly gross income. That is what you bank tells you or your mortgage broker says, that is the rule!

The monthly gross income is $5000 that means PITI should not be more than $1400. Please do not fall for this. They look at you as numbers, not as real people. Use some common sense. If your rent is $900 per month now, and at the end of the month you do not have any money left over, how can you expect to make monthly payment of $1400? 

That's how simple it is. Look at your budget; are you willing to cut it by $500 to own a home instead of renting it? Can you even cut it by $500?

 Are you afraid of loosing you home or condo here in St. Pete Pinellas County?  Can not make payments anymore?

Take action now, start with calling your Short Sale Realtor or a non profit  foreclosure organization or call your bank.

                    When you call your lender, make sure that you have the following information ready.       Your full Name and Address ,Telephone number, Email Address,  Bank Name and Loan Number and social security number, your current Income and Expenses and you will be asked for the Reason of Default.

If you think about a short sale, it is important that you present your case to the bank ASAP.  There is a lot of paperwork involved and you have to write a hardship letter.

Anne Hensel, Realtor, CSP, Short Sale Professional, working with homeowners and    buyers to successfully close a short sale transaction in Pinellas County Florida.

A lot of people here in the Saint Petersburg, Seminole area are facing a short sale situation, Waterfront properties on Saint Pete Beach or Treasure Island  as well as little homes in Seminole or Gulfport. Give me a call today and find out what your options are. Your short sale consultation is free of charge and confidential.

If you think about buying or selling a house or condo in Saint Petersburg Florida, give me a call. I know the market, I know the neighborhood. Ask me about waterfront homes or condos in St. Pete beach, Treasure Island, Madeira beach, Seminole and other Tampabay areas. We also work with short sale and foreclosures.   727 409 8706

Search  single family, condos, vacation homes or investment properties for sale in Florida

Is a short sale on my Saint Petersburg home possible?

This is a question that can only be answered if I have a lot of information from you and your bank. Every bank has different guidelines and in today's world, things change by the minute.

But to give you some kind of an idea, I will give you two examples

Projected sales of your house or condo is $300,000

One mortgage of $ 350,000

Unpaid property taxes $ 7000

Closing cost of $20,000

Yes, you have a good chance that the bank will agree to a short sale.

Projected sales of your house or condo is $300,000

First mortgage of         $ 270,000

Second mortgage        $ 40,000

Home equity line of    $ 40,000

Unpaid property taxes $ 7000

Closing cost of $20,000

You might have a problem doing a short sale. You have 3 different banks involved and most likely the second and third are not getting any money. This one takes a skilled negotiator.

Anne Hensel, Realtor, CSP, Short Sale Professional, working with homeowners and    buyers to successfully close a short sale transaction in Pinellas County Florida.

A lot of people here in the Saint Petersburg, Seminole area are facing a short sale situation, Waterfront properties on Saint Pete Beach or Treasure Island  as well as little homes in Seminole or Gulfport. Give me a call today and find out what your options are. Your short sale consultation is free of charge and confidential.

If you think about buying or selling a house or condo in the Saint Petersburg Florida area, please give me a call. Ask me about waterfront homes or condos in St. Pete beach, Treasure Island, Madeira beach, Seminole and other Clearwater Tampabay neighborhoods. Find out what we can do to sell your home or condo and what the value of your property is. Check out great real estate deals or visit condo associations like Seminole Isle.

We also work with short sale bank owned and foreclosures. Find a property or go to my website for more real estate information or simply contact us.   727 409 8706

You should call you bank as soon as you are thinking about a short sale. Most likely they will tell you to contact a Short sale realtor in the Saint Petersburg Pinellas county area and list the property.

When you send us an e mail about your short sale here in St. Pete, Seminole area you will receive a reply from us within a few hours that says something like

 Dear ..........   Thank you for contacting me.

YES, I work with home owners that face a short sale situation.

I have a Certified Short Sale Professional designation (CSP) here in St. Petersburg Tampabay,

A short sale situation is very different than a regular sale and therefore needs to be treated very differently.

The first step in our short sale process is NOT to look at the property, but to meet with the home owner, explain the process, answer all questions and determine if it is a possible short sale situation or not.

Give me a call on my personal cell phone 727  409 8706 and we can set up a consultation.

It is confidential, free of charge and no strings attached.

Time is very important in a short sale and we should get going ASAP

Have a good day

Hope to hear from you soon

Anne

Please click below to find all the information you need when buying or selling a Short Sale property in Saint Petersburg Fl.

http://www.tampabaybeachandwaterfrontproperties.com/buyer-short-sale-information-st-petersburg.html

http://www.tampabaybeachandwaterfrontproperties.com/seller-short-sale-information-st-petersburg.html

I know, you really do not want to deal with the situation, you think that somehow things might change, everything is a bit overwhelming. But it is better to face the problem right now. Time is very important in a short sale situation. A lot of sellers could have avoided foreclosure if they had only called me earlier. Do not wait until you get you NOD, call the moment you even think you might be facing a short sale situation. Unfortunately there is a lot of misinformation or no information about short sales and foreclosures available to the general public, and we hear all the time that the banks are not very helpful either. SO, what are your options? Call a lawyer or your local Short Sale Realtor (CSP) Sellers that speak to us early enough in the game often realize, that, yes this is not pleasant situation, but I can deal with it and get it over and done with and move on. I short sale or foreclosure is a paralyzing situation for most home owners and it does not have to be.

Please click below to find all the information you need when buying or selling a Short Sale property in Saint Petersburg Fl.

http://www.tampabaybeachandwaterfrontproperties.com/buyer-short-sale-information-st-petersburg.html

http://www.tampabaybeachandwaterfrontproperties.com/seller-short-sale-information-st-petersburg.html

Anne Hensel, Realtor, CSP, Short Sale Professional, working with homeowners and buyers to successfully close a short sale transaction in Pinellas County Florida.

A lot of people here in the Saint Petersburg, Seminole area are facing a short sale situation, Waterfront properties on Saint Pete Beach or Treasure Island  as well as little homes in Seminole or Gulfport. Give me a call today and find out what your options are. Your short sale consultation is free of charge and confidential.

Holiday Camp for kids.

Too busy with work around the holidays and not sure what to do when

the kids are out of school? St. Pete Beach has all of your Holiday Camp solutions in one

place. The City of St. Pete Beach offers a Holiday Kids Camp program, filled with arts and crafts, movies, gym games and field trips. The camp runs December 22nd through the 24^th and again from the 29th to the 31st from 7:30am to 5:30pm with early pick-up on each Wednesday. All kids in grades Kindergarten through 5th are welcome but enrollment

is limited. Pre-register by December 19th for cheaper rates! Basketball

Clinic-hosted by "In The Zone" Hoop Camps-December 22nd and 23rd from

10:00am-12:00pm Cost is $50 with card or $62.50 without. Open to boys and

girls age 9-13. Skateboard Camp-hosted by The Finest Skate shop-December

22nd, 23rd and 29th from 9:00am-1:00pm. Cost is $100.00 for all three days or

$40.00 a day. Open to kids aged 5 or older. Must pre-register by December

18th! Call Recreation at 363-9245 for more information.

I think it is wonderful that Saint Pete beach offers this. Take advantage and be part of it.

Holiday Camp for kids.

Too busy with work around the holidays and not sure what to do when

the kids are out of school? St. Pete Beach has all of your Holiday Camp solutions in one

place. The City of St. Pete Beach offers a Holiday Kids Camp program, filled with arts and crafts, movies, gym games and field trips. The camp runs December 22nd through the 24^th and again from the 29th to the 31st from 7:30am to 5:30pm with early pick-up on each Wednesday. All kids in grades Kindergarten through 5th are welcome but enrollment

is limited. Pre-register by December 19th for cheaper rates! Basketball

Clinic-hosted by "In The Zone" Hoop Camps-December 22nd and 23rd from

10:00am-12:00pm Cost is $50 with card or $62.50 without. Open to boys and

girls age 9-13. Skateboard Camp-hosted by The Finest Skate shop-December

22nd, 23rd and 29th from 9:00am-1:00pm. Cost is $100.00 for all three days or

$40.00 a day. Open to kids aged 5 or older. Must pre-register by December

18th! Call Recreation at 363-9245 for more information.

I think it is wonderful that Saint Pete beach offers this. Take advantage and be part of it.

Help for home owners that face foreclosure or short sale. If you are faced with a short sale situation you need all the help and information you can get. In December 2008 Florida received nearly $11.5 million to continue providing statewide foreclosure prevention counseling and legal assistance to homeowners in foreclosure, according to Gov. Charlie Crist. The boost will enable 77 counseling agencies and organizations across the state to provide foreclosure counseling. The funds also will allow legal services groups to counsel area homeowners at risk of foreclosure.

Take advantage and get all the information you can get. If you can not make you mortgage payments anymore, time is of the essence and you need to find out what your options are. Help for home owners that face foreclosure or short sale

Check out these tow site if you think you might loose your home.

http://www.pinellascounty.org/foreclosure

http://www.hopenow.com

Anne Hensel, Realtor, CSP, Short Sale Professional, working with homeowners and buyers to successfully close a short sale transaction in Pinellas County Florida.

A lot of people here in the Saint Petersburg, Seminole area are facing a short sale situation, Waterfront properties on Saint Pete Beach or Treasure Island  as well as little homes in Seminole or Gulfport. Give me a call today and find out what your options are. Your short sale consultation is free of charge and confidential.