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

Everybody is talking about a Short Sale In St. Petersburg Tampabay, Pinellas County.
But most people are not familiar with the term Short Sale.
For homeowners that need to sell their property but can not find a buyer for the price they need to pay of their mortgage, a short sale sometimes is the only option other than going in foreclosure.

Here in St Petersburg Tampabay the market is over floating with Real Estate listings. People have bought properties 3 or 4 years ago and have paid more than they could get in today´s market.
Now these homeowners need to sell and can´t find a buyer. If someone makes an offer it is usually much lower than asking price. The home owner might not get his money back or he might not even get the amount of the mortgage back.

Now the options are limited, file for bankruptcy, or go into foreclosure.
The other option, which might make much more sense, is a short sale.

Our St. Petersburg Tampabay area is high on the list for cities with Short Sale properties.
Talk to your bank or lender, see if they will accept less than the mortgage amount and forgive the balance.

There are a lot of factors that come into play and it is not as easy as it sounds, but you and your Realtor can work on it and chances are, you get out of the deal without loosing everything.
See, banks are not in the Real Estate business, so they do not like foreclosures at all, they do not want to homes or condos, o, they are motivated to find a better solution. In some cases it can be loan modification but in most cases that I have seen here in St. Petersburg Tampabay it is a Short Sale.
To get things started, have your agent prepare a CMA that shows the real market value of your property, take this and documentation of your income and reasons why you have to sell and bring it to your bank. (or let us do it for you)
Do it early, do not wait till the very last minute, this process takes a little time and time is not on your site.
So, get started before it is too late.

Give us a call if you need additional information
727 409 8706

I can't make my mortgage payments anymore, what should I do, can I do a short sale or loan modification? I am a home owner in St. Petersburg Florida.

A lot of people are faced with this situation right now and everybody is overwhelmed by it.  Trying to get answer to the question  "I can't make my mortgage payments anymore, what should I do, can I do a short sale or loan modification?"  can be frustrating, time consuming and most of all very confusing. Add all this to an already difficult situation, a lot of home owners choose to do nothing.  Unfortunately sticking your head in the sand when you cannot make your mortgage or loan payment anymore does not help you at all. Do not get me wrong, I completely understand that facing foreclosure here in St. Petersburg Tampabay is probably the toughest situation you have ever been in and it affects not just you but your whole family but you need to take action, you need to do something you need to get help.  One thing to do would be to hire a lawyer and let him deal with it. Well, if you cannot make your mortgage payments anymore chances are that you just do not have the money to hire a lawyer, another thing is that most lawyers I have talked to do not want to deal with short sales or pre foreclosures. It is too time consuming for them and they make more money if they convince you to go into foreclosure and file bankruptcy ASAP. Not a problem, there are other ways and other options for St. Petersburg Tampabay home owners / sellers.

Two things you should do immediately. Educate yourself, check out the website www.Hopenow.com you will find a ton of great information on loan modification, short sales and foreclosures.

Next step is to call a St. Petersburg Tampabay Short Sale Realtor. It is very important that you find a real estate agent that specializes in Short Sales and pre foreclosures. If you do not know a real estate short sale expert in your area, do your research online. Google phrases about short sales and add your city to it.

Pick someone that you feel comfortable with and make an appointment to meet with them.  If you picked the right realtor they will be able to give you all the information you need and you will get home with a step by step plan of what to do and most important it will give you a peace of mind you did not have before.

I can't make my mortgage payments anymore, what should I do, can I do a short sale or loan modification?  You just got the answer to this question. Time is not on your site, get it done and over with and get ready to start a new chapter, put this short sale, loan modification, foreclosure situation behind you and start out fresh. Find you St. Petersburg Tampabay short sale, pre foreclosure real estate agent today and give him or her a call.

Is your short sale listing agent / Realtor here in St. Petersburg, Treasure Island or Seminole working with a lawyer?

It is hard enough for the seller/ owner to be faced with a Short Sale or Pre Foreclosure situation. Not only is it a complicated and complex process but it is also very emotional and depressing for the owner and the whole family. So, if you are in a situation that you need to find a Short Sale Realtor, make sure you find the right one. A Realtor that actually has a short sale designation and went to school to learn all the ins and out and the pitfalls. A Realtor that knows all about Short Sales, the time involved, the forms to fill out AND a Realtor that works closely with a Short Sale Lawyer. Before you list your house or condo here in Tampabay St. Pete with just any agent, make sure you understand the legal part of the Short Sale. There might be other/ sometimes better options for you.

You can call me anytime 727 409 8706  I am a Real Estate Short Sales Specialist and I work with a layer. We handle all our cases confidential and will give you all the information you need to make a good decision.  We also put you in touch with the law firm we work with and you will get a personal free short sale consultation and all your questions will be answered.

I know it is not easy to make the first step and call me, but doing nothing in a short sale situation will not help you.

It can be overwhelming but you need to get started somehow and the best start is to pick up the phone talk to me and after this sit down with our lawyer. Once you have done all this, you will feel much much better and you have made the first step into a new phase in your life. If you cannot make your mortgage payments anymore, sticking your head in the sand will not help, you need to take action. Get it done and over with so you can start out fresh. Just call me 727 409 8706 and we will help you deal with it.

Anne

Is your short sale listing agent / Realtor here in St. Petersburg, Treasure Island or Seminole working with a lawyer?

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

Tropic Shores/Tropic Breezes in Madeira Beach

This income, second home property is right across the street from the beach. A remodeled 1/1 condo with a heated pool in a small 20 unit complex. These units sold about 3 years ago for approx. $195,000. Right now the asking price is $89,000. Incredible real estate investment opportunity with great rental income. Tropic Shores / Tropic Breezes is located in Madeira beach, not far from John's Pass

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

Huge price reduction, great deal on a Short Sale Waterfront Condo in Seminole Isle.

Just a few minutes ago a 1500 square feet unit on the third floor with great water views got reduced to $165,000. (is this a Teaser price??? or is it for real?) That is a new all time low for Seminole Isle. The unit has been on the market for a few months asking $225,000. It is a very nice unit, only a few years old, high ceilings, nice size balcony in a gated community. There are no appliances in the condo. This condo association allows pets. There have been a few short sales and bank owned properties in Seminole Isle, but they are getting fewer and fewer.

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

A Short sale situation is already stressful enough, now you have to find a realtor that knows how to handle short sales. Well, relax use the Internet and do a Google  search and type in the Realtors name or any other phrase that relates to short sales and foreclosures.                                                                                        This alone will give you a good idea. If the Realtor of your choice does not show up on the first page of Google , and you cannot find him or her anywhere, it might not be the short sale expert you need. 

You need to find an aggressive, creative and innovative Realtor to assist you with every step of the short sale process. Some one that can answer your questions and explain the process.

You need an expert in the field that knows the Saint Petersburg Tampabay real estate market inside out. You need a team of knowledgeable and passionate professionals that care about your situation.

Make sure you feel comfortable with your choice and very important, make sure you and the Realtor you choose are communicating. Selling a home in today's market involves so many things and so much paperwork, it isn't easy anymore. It is hard work, long hours and it cost a lot of money for advertising and marketing and last but not least a lot of energy and time.

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.

Saint Petersburg, Short sale or Foreclosure, what should I do? Where do I find a Short Sale Realtor?

As a Short sale Realtor in Saint Petersburg I get this question all the time. Home owners are so overwhelmed with their situation that sometimes it is difficult to see the simple things.

In this case the simple thing and best answer is try a short sale first, foreclosure is the last resort and you want to explore all other options before the bank starts a foreclosure.

Talk to your short sale Realtor here in Saint Petersburg Pinellas County.He or she will most likely send you a "short sale package" that is a ton of paperwork where you are asked to provide all your financial statements. Once you have completed this paperwork and signed a form that allows the realtor to contact your bank and talk to them you will get a good idea if a short sale is feasible and if the bank is willing to work with you.  The hardest part for home owners that are under water is to actually pick up the phone and make that first call to a qualified Realtor. Once you have taken this step and explored all your options, things get easier and you can see the light at the end of the tunnel. You need to take action right now, do not wait until you receive the notice of default. Contact your Short Sale or Pre Foreclosure Realtor right now. You have nothing to loose but everything to gain. There is a lot of mis conception going around. Talk to a Real Estate Expert about your short sale or foreclosure situation. The information is free and you will know what your next step is going to be.

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Great deal, short sale.  4 bedroom 2 ½ bathrooms single family home in great condition. Huge fenced in backyard with a nice patio and fruit trees and a lot of privacy.                                                          

The house has a very nice split floor plan with an open kitchen, dining and living room area. Lots of natural light coming through big windows and sets of French doors leading to the tranquil back yard. The home has a lot of storage and an oversize 2 car garage with even more storage. Yes, this Pinellas County house is a short sale but the owners kept it very nice and clean and you will be surprised how much house you get for your money. The house is in the Keene Acres subdivision and only a short drive to the beach. Conveniently located to shopping and restaurant and area parks and attractions. 

Call us today, this home has a lot to offer and can accommodate a large family. This is a band new short sale listing and will come on the market tomorrow, do not miss this great deal.

Please keep in mind, if you are interested in buying a short sale here in St. Petersburg Clearwater area you need to have proof of funds or a pre approval letter to accompany your offer. 

Short sales in Saint Petersburg. I have 2 mortgages on my home, can I do a short sale? Sorry, there is no yes or no answer to this short sale question. If you have more than one mortgage on your house or condo or a mortgage and an equity line it will get a little more time consuming and complicated. If both mortgages are with the same lender, you chances are better and the process is faster. In general (keep in mind, every short sale situation is different) if there is no money left from the sales proceeds to give to the lender that is in second place, the first lender has to make a deal with the second lender and this can go on for a while. If the first lender (they usually pay a few thousand) is not willing to pay some money to the second lender, the chances for a short sale just got less and less. Anyway, do not be discouraged, talk to your realtor and see what he or she has to say. Here in Saint Petersburg like everywhere else you can find Realtors that are trained in short sales and have designation like mine "Certified Short Sale Professional"  These professionals will be able to give you a fair and evaluation of your short sale property before you have to make a decision.

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

Another great deal, Owner motivate, make an offer on this beautiful short sale waterfront condo in Isla Del Sol. Great opportunity to own a waterfront condo on beautiful Isla Del Sol.

This is a second floor corner unit with views across the intracoastal.

You can actually see the Don Cesar! Watch the dolphins swim by while you relax on your balcony and enjoy the sunset. Bahia Del Mar is an immaculate maintained community with nestled amongst Golf Course.

Walking trails provide tranquility while taking your pouch for a walk. It is a great community to life year around or just seasonal and rent it our while you are gone.

It is one of the few units that allows weekly rentals in Bahia. Minutes to Fort De Soto beach and St. Pete beach, great location. Come and see today!

Like I said, this is an incredible opportunity to buy a waterfront short sale condo in Isla del sol. Don't be shy, make an offer. This unit is really beautiful and has wrap around views onto Boca Ciega Bay. Watch the sunset overlooking the Don Cesar in St. Pete beach. A few years ago this unit sold for $485,000

Give me a call today, this one is a beauty and the price will be unbelievable.

One of the few condos that has good rental income potential and allows pets.

If you think about buying or selling a house or condo in Saint Petersburg Florida, 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 areas. Find out what we can do to sell your home or condo and what the value of  your property is.

We also work with short sale bank owned and foreclosures.   727 409 8706

Brian, great post. It is about time the banks / lender change their attitude towards short sales.  Time is big factor when it comes to short sales and many buyer get discouraged.

Listing and selling a short sale in Saint Petersburg.

As we all know, it is not easy to make the decision or to face the fact that your home or condo here in the Saint Petersburg area is a short sale. A short sale or pre foreclosure situation can be overwhelming to the seller. There is a lot of emotional stress and than there is the "what will my friends and neighbors think" stress and there is the Paperwork stress. When it comes to the "paperwork stress' the best advice is to get started and get it done an over with.

The only way to get this off your shoulder is to actually fill out the paperwork, write the hardship letter and submit it to the bank. The bank should have all this information before your Realtor submits the first offer. The short sale process takes long enough already, do not add to the time but not submitting your paperwork. It is important and you will feel better once you have done it.

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.

For everyone that thinks only the inland properties are hit by the housing market.

All this homes and condos are on the barrier islands and as you can see, most of the are on the water.

Right now we have some fantastic direct waterfront homes and condo here in Madeira beach and Redington beach. I personally like the 4 bedroom home on Sunray beach. It is a beauty, in great condition and a boaters dream. It has 2 big boat lifts and two jet ski lifts and a beautiful wide open water view. The asking price is $475,000. I can not imagine that it will be available for much longer. Once you see the home, you will fall in love with it.

Information taken off the local MLS

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.

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

Too late for a short sale? I just got a notice of default from the bank.

I have written about it before and I will keep writing until everybody hears me.

If you are faced with a short sale, time is NOT on your site. You need to act ASAPI do understand that nobody wants to do a short sale or go in foreclosure. Our natural reaction usually is, "let's wait" things will get better, things will change for me, things. . .  It is not easy to take action, but believe me, you need to talk to a lawyer or your Short sale Real Estate expert. The moment you think, I might end up in a short sale with this property, you need all the information and guidance you can get. Again, the clock is running against you and you can only beat it with action. Most of the people I meet as a Certified Short Sale Professionals have waited to long. We could have helped them if they had contacted us earlier, but when they finally do, it is often too late.

Saint Petersburg, Seminole, St. Pete beach, Madeira Beach Fl. Broker/Realtor, Anne Hensel was recognized as a

Certified Short-Sale Professional and is awarded with the CSP Designation

That's what I did this week.

I already have the E- Pro, ASR, RECS, TRC, C- CREC, ABR, AHS  training and designations and before I took the Certified Short Sale Professional classes, I wondered if I really need another designation and if it is worth spending all this time and money.

 Now I have to say, I am glad I did it. You know how they say  

"Even when you think you know it all, you can still learn something.

In today's real estate market, (at least here in Saint Petersburg Fl.) changes happen overnight and it is important to keep up with them and apply them to the day to day business.

More and more people here in Saint Petersburg Tampabay are faced with a short sale situation and they need assistance and guidance, we as Realtors can do our part to help.

Saint Petersburg, Seminole, St. Pete beach, Madeira Beach  Fl. Broker/Realtor, Anne Hensel was recognized as a

Certified Short-Sale Professional and is awarded with the CSP Designation

We get a lot of comments on our new Saint Petersburg "weather report" check it out; let me know what you think about our St. Pete Tampabay weather.

Short Sale in Saint Petersburg, the magic word in today's real estate market.

I am interested in buying  a Short Sale property.

Can you send  me Short Sale property listings.? Are there  any Short Salesin St. Petersburg? How can I find a Short Sale homes?  Is it a Short Sale property?

These are the sort of calls and e mails I have been getting over the last few weeks.

Buyer's think, a Short Sale is always the very best deal.

Well, it might be and it might not be. As a buyer looking for a great deal, you have to be open minded and you have to know the area and the market values. The fact that a home or condo is a short sale only tells you the seller is upside down on their mortgage and they will probably walk away from the closing table having lost thousands and thousands of dollars. Here is an example

Someone bought a condo in 2005 for $395,000 with 100% financing. Now they can not make their payments anymore and need to sell before it goes in foreclosure, so they negotiate a short sal with the bank, asking prices in $350,000 or $280,000 or $250,000. You think this is a good deal?  No, it is not because similar units in the area sell for around $220,000 and they are not short sales.

If you are looking for a fantastic real estate deal here in Saint Petersburg, you or your Realtor needs to do their homework.

Let's say a unit in the same complex was bought in 1980 for $60,000, the owners dies and the heirs just want to get the money out of it, fast.

They will probably ask $200,000 for the unit and you can negotiate it down to $170,000

Now you have a good deal. And guess what, it was not a short sale!

So, please do not get stuck on the word Short Sale, you have to know the area and the market conditions to find a great deal.

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

Condos under $350,000 in the Tampabay St. Pete area.

I was showing property in St Pete beach, Treasure Island and Seminole yesterday. We looked at the Bridge Hampton Bay in St Pete Beach,($340,000) the Treasure Cay units on Paradise Island in Treasure Island ($325,000) and  Sunketch (which I personally like because of the garage space)on Isle of Capri also in Treasure Island ($290,000)

My clients liked some features in each unit or complex but they felt they were not getting enough for their money.

I all the units we saw were about 20 years old or older, 2 bedrooms 2 bath around 1000 square feet other than the  Sunketch  no garages. But all of them allowed small pets which was the most important thing for my clients.

Long story short, to make them understand they the need to move off the beach to get more for their money I took the to Seminole which is a 10 minute drive to Madeira beach. We went to see Shores of Long bayou. What a difference they instantly fell in love with the complex and the unit.

More than 1800 square feet 3 bedroom 2 bath separate washer and dryer room lots of closet space corner unit with lots of windows and light coming in, only 4 years old and 2 oversized one car garages and all this for under $300,000 in a gated community.

Now my clients have to rethink, what is more important? Living 3 or 4 minutes from the beach or living 10 minutes from the beach and getting twice as much for your money. Here in St Pete the real estate market is changing by the day, it is a fantastic time to buy, a lot of sellers are very motivated and the prices have come down a lot, but you need to know the area and your options before you make a decision.