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Home > Archives for October 2016

Archives for October 2016

3 Ways to Get Your Home Ready for Fall and Winter

Once the heat and humidity of the summer has passed, and it’s safe to go outside again, it’s easy to focus more on all the events, festivals, and concerts along the Emerald Coast. The Gulf is almost too cold to swim in, so you have to have fun in other ways. In the middle of your fun, take at least a weekend to get your home ready for the colder temperatures.

Do it now and you’ll have less to worry about later, and you’ll be dry and warm once the weather temperatures arrive.

Check Your HVAC

After a summer of running your air conditioner almost non-stop, you need to have it serviced so that you know it’ll last through the winter. While our temperatures on the Emerald Coast aren’t cold compared to more northern climates, the temperature can definitely dip, and you want your heater to work. A service technician will check to make sure your HVAC unit is working properly, and they’ll fix small problems before they become big ones.

You should also change your filters at least every 90 days and up to once a month if you’re running your heater a lot. Once the filter gets dirty, you lose efficiency and heat. Seal up the cracks and crevices around your windows and doors and consider adding more insulation in your attic or crawlspace. This will keep your home sealed tight and your HVAC system won’t have to work as hard in winter (or in summer next year).

Check Your Roof and Gutters

While the weather is still mild, start looking up and checking out your roof for loose shingles, leaks, or any other problems. Make sure to check around your chimney if you have a fireplace, too. You’ll also want to clean your gutters since falling leaves have probably packed them full making them almost useless to you.

The last thing you want to do in the middle of December is deal with a leaky roof or a gutter that’s clogged and creating problems. Call in the professionals if the job is just too big or you notice major problems with your roof. It’s better to get it done right and pay a little more than to make it worse because you don’t have the right tools or expertise to fix it.

Take Care of Your Lawn

With fall temperatures here, you probably haven’t had to mow your lawn as often as you did during the summer. Watch the weather and make sure you get one more mow in before winter hits. Cut the grass a little shorter than usual to prevent any leaves from piling up on your lawn. Now is also a good time to mulch because it will protect the roots of your trees, plants, and shrubs when the temperatures drop.

You might get a break on mowing the lawn for a few months but the weather really gets cold, you’ll be raking more often. This is also a good time to put away lawn furniture, tools, or anything else that you pulled out for spring and summer. Your lawn will be neater and nothing will be exposed to the cold rain or freezing temperatures we’ll probably get.

Taking care of your home now will keep you from having to worry about fixing things once the weather really gets cold.

How to Quickly Clean Your House before a Walkthrough

Preparing your home for a walkthrough can be tough, especially when you’re still living in the house. One of the hardest things is keeping your home clean while you’re taking the other necessary steps to sell your house — like removing personal items, staging the house and increasing curb appeal. Here are some tricks to help you clean your house in a hurry, so you’ll be ready for a walkthrough at a moment’s notice.

Bedrooms:
-Remake beds. Strip off the old linens and replace them with new ones so they look crisp. Tuck sheets in at the corner.
-Clear clutter. Put everything out of sight — in drawers, baskets or in the closet — to organize later.
-Clean furniture. Wipe down furniture with a damp cloth or use the vacuum cleaner hose to get rid of dust and debris.
-Vacuum the entire bedroom, starting from one corner and working your way back and forth from one end to the other. You should end at the door.

Bathrooms: 
-Clean the toilet. Use whatever type of cleaner you have on hand to thoroughly scrub the bowl of the toilet with a brush. Then wipe down the outer area with a cloth and cleaner.

-Wipe the bathroom mirror. Use a glass mirror cleaner to wipe off marks, starting from the top corner and continuing in a circular motion.
-Wash the sink. Scrub the spots around the sink and fixtures with a brush. Then use a cleaner to get the rest of the sink clean with a cloth.
-Wipe the shower/tub area. Use a damp cloth to wipe down the shower and tub area. If there are any hard spots of grime, use a hard cleaner to remove it.

Kitchen:
-Remove clutter. Remove all clutter from counter, cabinets and table area.
-Clean counters and cabinets. Wipe down counters and cabinets with a cloth and all-purpose cleaner. Push crumbs and debris on the floor.
-Wipe appliances. Use a damp cloth to wipe down the fridge, dishwasher and cooktop area.
-Load dishes. Put all of your dishes in the dishwasher. Think about cleaning your stove top burners in the sink and then putting them back on the stove.

September 2016: Single Family Home Sales Remain Steady, Condo Sales Struggle

For another month, single family home sales across the Emerald Coast were up in September 2016 when compared to last year. Okaloosa County saw a double digit increase year over year, while Walton County saw modest sales growth but lower pending sales.

Across the Emerald Coast, condo and townhome sales were down in the double digits, but Walton County saw the biggest drop. Pending sales in Walton County were higher than usual which is a good sign for October sales. Median prices were strong and increased substantially in Okaloosa County.

Single Family Home Sales

Emerald Coast

  • Closed sales increased 9.3%
  • Pending sales increased 0.7%
  • Median prices increased 4.3%
  • Inventory decreased 11.1%
  • Months supply decreased 15.6% to 5.4 months of inventory

Okaloosa County

  • Closed sales increased 14%
  • Pending sales increased 0.3%
  • Median prices increased 15.4%
  • Inventory decreased 19.7%
  • Months supply decreased 21.2% to 4.1 months of inventory

Walton County

  • Closed sales increased 2.4%
  • Pending sales decreased 4.5%
  • Median prices decreased 1.3%
  • Inventory decreased 0.6%
  • Months supply decreased 7.7% to 7.2 months of inventory

Townhouse and Condo Sales

Emerald Coast

  • Closed sales decreased 26.4%
  • Pending sales decreased 4.7%
  • Median prices increased 10.7%
  • Inventory decreased 6.3%
  • Months supply decreased 1% to 9.6 months of inventory

Okaloosa County

  • Closed sales decreased 9.3%
  • Pending sales increased 7.6%
  • Median prices increased 48.7%
  • Inventory decreased 21.3%
  • Months supply decreased 20.4% to 9 months of inventory

Walton County

  • Closed sales decreased 42.5%
  • Pending sales increased 67.1%
  • Median prices increased 1.9%
  • Inventory increased 2.4%
  • Months supply increased 25% to 10 months of inventory

A few things to remember…

Median prices are on the rise across the Emerald Coast even with the small blips like Walton County single family home price decrease this month. As an overall trend, prices are increasing – which is true for both the state and national real estate markets. Of note, the median price for condos and townhomes in Okaloosa County was $305,500 in September, the highest median price on current record. Sales may be slowing down for condos and townhouses, but those that sell are for higher prices than a year ago.

Single family homes along the Emerald Coast are either in a seller’s market or close to it. Condos and townhomes on the Emerald Coast have a much higher inventory which gives buyers more options and can, if demand and inventory aren’t a match, slow down sales. A healthy real estate market – where neither the buyer nor seller have an advantage – is between six and eight months. As condo and townhome sales have decreased in Walton County and new listings continue to enter the market, inventory will continue to go up, creating a buyer’s market and making it more difficult for sellers to be noticed.

Pending sales are an indication of the immediate future of the real estate market – typically the next month’s sales. These numbers are not a guarantee of future sales as not all pending sales make it to the closing table, and those that do may take more than 30 days to complete. In August, Walton County saw double digit pending sale increases over the year before but that growth did not translate into higher sales in September. Pending sales are higher this month than in September last year, as well, but we will have to wait and see what that means for October sales.

It’s best to look at the data as part of an on-going trend. One month does not dictate the entire market. If you view the data collected since 2012 for the Emerald Coast, Okaloosa County, and Walton County as a whole, you can get a good feel for what’s happening in the local housing market. Overall, the market has improved greatly.

All sales data is from the Emerald Coast Association of Realtors® (ECAR) Multiple Listing Service (MLS) and is compiled by Florida Realtors®, the state association for Florida. The Emerald Coast statistics cover both Okaloosa and Walton counties as well as surrounding areas based on the listings entered into the MLS by ECAR MLS participants.

How to Get the Best Mortgage Rate When You Buy a Home

Photo Credit: © JohanH

Spend a few minutes paying attention to national housing and finance news, and you’ll hear the same information repeated over and over again: “Mortgage rates are at or near historic lows. Buy a home now before rates go up!”

This is good advice, but the reality is that not everyone qualifies for the absolute lowest mortgage rates. Just because you see the current rate is 3.75 percent or 3.89 percent doesn’t mean that’s the rate a lender will offer you.

If you’re willing or able to wait before you buy, you can qualify for better mortgage rates. There are two very specific things you can do to get the best rate and pay less interest when you buy a home.

Improve Your Credit Score

Great credit scores are around 700 and up. Most lenders give the best rates to buyers who have very high numbers. To be clear, even with a credit score of 580 or 600, you can qualify for a mortgage, but this is about getting a better interest rate to help you save money over the life of your mortgage.

  • Check your credit score to see where you’re at before you talk to a lender.
  • Get a free copy of your credit report (something you can do once a year) to make sure there are no errors on it and there isn’t old debt you forgot to pay.
  • Work to lower your debt by paying off or down credit card bills, old past due amounts, and loans.
  • Don’t close any accounts with a zero balance. Leave them alone.
  • Don’t open any new accounts, either. Each time you open a new account, your credit score will temporarily go down.
  • Pay on time every month. If you haven’t been doing this, make it a priority.
  • Contact any companies that are reporting errors on your credit report – past due amounts you’ve paid, money you don’t owe, etc. Get those removed as soon as possible.

Depending on how low your credit score was to begin with, this may take a few months to a year or more.

Shop Around for Your Lender

Not every mortgage company offers the same types of loans or even the same interest rates, depending on your credit score. While most people pick one lender, get pre-approved, and then start house-hunting, it may be worth the extra time to talk to multiple lenders. You may be offered a loan with a lower down payment requirement, a better interest rate, or lower fees – or all three. Some lenders offer loans for condos that others don’t. Some lenders don’t work with certain loan programs. They all have proprietary loan programs specific to their company. By comparing companies, you’ll be able to narrow down your option to the one that costs you the least amount of money.

Buying a home isn’t just about finding a house to raise a family in or the perfect backyard or neighborhood. This is a big financial decision and you shouldn’t pay anymore than you have to. Taking care of your finances and shopping around before you start looking for a home can save you thousands of dollars and possibly buy a nicer home than you originally thought you could.

5 Tips to Get You and Your Home Ready for Halloween

Let’s go through the Halloween checklist.

 

Costume? Check

Costume for your furbabies? Check

Several five pound bags of candy? Check

 

Is your home ready for trick-or-treaters? No? Now is the perfect time to get ready for the big night. You might think buying your costume and your body weight in chocolate is all you need to get ready for Halloween, but think about how many people will come to your door, walk across your lawn, and potentially make your furbaby nervous. The last thing you want is for anyone to have an accident and ruin their Halloween fun.

 

With these five tips, you can get yourself and your home ready for Halloween. The only worry you’ll have is whether you have enough (or too much) candy for the big night.

 

  1. Clean up your yard and walkways.

 

Kids are notorious for not looking where they’re going. Now, add a sugar high, crazy costumes (with masks), and a dark night – if you’ve got debris, tools, or anything else lying around your yard, that’s an accident waiting to happen. Keep your decorations off to the side of where people will walk to get to your door. You can even rope off (or use caution tape) to keep kids away from any decorations you have on your lawn.

 

  1. Think about safety when you put up decorations.

 

Candles in jack-o-lanterns are nice, until someone knocks it over. Draping fabric over a light gives off a spooky vibe until the material catches on fire. And yes, you should plug your decorations into a power strip that handle all the extra plugs instead overloading an outlet. Decorating for Halloween is nearly as fun – and for some people, more fun – than decorating for Christmas. You know what’s not fun? A fire in the middle of the night.

 

  1. Consider non-candy treats for Halloween night.

 

Raisins, toothbrushes, or whatever you find in your junk drawer isn’t a good idea for Halloween night unless you really don’t want anyone at your door next year. Instead of candy – or in addition to it – consider treats like small toys, crayons, or stickers. A lot of kids have allergies, and Halloween isn’t always as fun for them. Offering a toy lets parents breathe a sigh of relief and cuts down on the sugar-high kids running through the neighborhood.

 

  1. Keep your pets in mind.

 

Some pets are so easygoing that you can dress them up in a costume, and they’ll stay by your side whenever the doorbell rings. The rest of us have dogs that lose their minds when the doorbell rings, will grab for candy they shouldn’t eat, and get very anxious or even aggressive with too much activity. Halloween is a common time for pets to run away or get lost. If you know your pet can’t handle all the fun, keep them put away or, at least, on a leash until the trick-or-treaters are gone. Make sure they have an ID on them or are microchipped in case they run off, too.

 

  1. Light up the night

 

If you’re planning on handing out candy for Halloween, you need more than your porchlight. To save your flowerbeds and ceramic pumpkins, and to prevent any unnecessary spills on your driveway, make sure you have plenty of lighting outside your home. Pathway lights or a motion sensor light on your driveway or near your front door are good ways to make sure everyone can see where they’re going.

 

Halloween is supposed to be a night of fun. Between adorable little kids dressed as their favorite superhero or princess and all the excitement over candy and spooky decorations, it’s a time for everyone to make good memories. Don’t let the holiday turn into a nightmare. Make sure you and your home are ready for trick-or-treaters this year.

12 October Events on the Emerald Coast You Don’t Want to Miss!

The best part about October on the Emerald Coast is that the weather cools down enough so that you can get outside and enjoy plenty of local events. The worst part? Trying to figure out which ones to go to. Take a look at just a few of the events going on in October and make your plans now!

 

Destin Fishing Rodeo
October 1 – October 31
Destin Harbor

 

Whether you love the feel of the reel in your hands or you just like to see what the anglers are catching, make your way to Destin this month for the fishing rodeo. Destin is called the World’s Luckiest Fishing Village for a reason. Weigh-ins are held daily between 10:00 a.m. and 7:00 p.m. And if you’re an angler and want to catch something for yourself, you can fish for free as long as you’re on board a boat that’s registered in the rodeo. Learn more.

 

Emerald Coast Fall Classic
October 5 – October 9

Okaloosa Island

 

Join the fun at Fudpucker’s Beachside Bar and Grill to watch the four-player volleyball tournament or if you love the game, join in with your own team. This year there’s also a volleyball clinic, a party for the players, and a golf tournament. Cash and other prizes will be awarded! Learn more.

 

Dog Daze 2016

Saturday, October 8; 9:00 a.m. – 3:00 p.m.

Liza Jackson Park

 

Bring out your furbaby and join 1000 other dogs and their families for Dog Daze, a celebration of all things dog. This year’s theme is Circus, Circus so get those costumes ready. There will be competitions, dog-friendly products and services, and plenty of furry fun. To attend, your dog must be over six months old and well-behaved. Learn more.

 

9th Annual Baytowne Wharf Beer Fest
Friday, October 14 and Saturday, October 15

Baytowne Wharf, Sandestin

 

More than 200 beers, lagers, and ales to try, live music, and plenty of fun and food. What other reason do you need to attend the 9th Annual Baytowne Beer Fest? Learn more.

 

26th Chautauqua Vineyards and Winery Harvest Festival

Saturday, October 15; 9:00 a.m. – 6:00 p.m.

Chautauqua Winery, Defuniak Springs

 

Enjoy free wine tasting, arts and crafts, good food, and live entertainment at the 26th Harvest Festival in North Walton County. Take a tour and learn what harvest time means at the winery, too. Did we mention there will be a wine tasting, too? (It’s worth a second mention.) Learn more.

 

2016 Zombie Walk

Saturday, October 15

Downtown Fort Walton Beach

 

Come get your zombie on and help families in need at the same time. Bring four cans of food for Sharing and Caring to register for prizes during the Zombie Walk. Bring even more, and you can get your make-up done. Learn more.

 

Hunter Phelps in Concert

Thursday, October 20

Mattie Kelly Arts Center

 

The Niceville Chamber Concert Under the Stars series begins with up and coming country music star and Niceville local, Hunter Phelps. Enjoy a cool October evening in the outdoor amphitheater at Mattie Kelly and discover what makes Hunter Phelps a star to watch. Tickets are $5 in advance and $10 at the gate. Learn more.

 

Earthquake Fall Rally

October 20 – October 23

Okaloosa Island

 

Emerald Coast Harley-Davidson presents the Earthquake Fall Rally. Join hundreds of other bikers and motorcycle lovers on Okaloosa Island for a weekend of Harley-Davidson fun. Enjoy live music, bike shows, a bikini contest, charity poker runs, and more! Learn more.

 

40th Annual Boggy Bayou Mullet Festival

October 21 – October 23

Niceville

 

The Boggy Bayou Mullet Festival is back for another year with plenty of great reasons to head on out to Niceville. Good fun, rides for the whole family, plenty of vendors, and, of course, the music. Chase Bryant, Justin Moore, Joe Diffie, and Confederate Railroad are all on tap to be at the Mullet Festival this year, plus don’t miss local entertainment throughout the weekend! Learn more.

 

21st Annual Festival of the Arts

Saturday, October 29 and Sunday, October 30

Mattie Kelly Arts Center

 

Music, food, and art all come together for a weekend of fun and culture at the Mattie Kelly Arts Center. Enjoy music from Drew Tillman, Noodle Soup, and others! Grab something good to eat from Jim ‘N Nicks, Coastal Chow, Sweet Henrietta’s Treats, and others. And make sure to enter the raffle for an original oil painting by second generation Florida Highwayman painter A.J. Brown. Learn more.

 

2nd Annual BooLu’s Haunted Fun Event

Saturday, October 29

LuLu’s Destin

 

Bring out the entire family for a Halloween treat you don’t want a miss! Join the Great Pumpkin Paddle with Paddle Destin, wear your costume, enter the pumpkin carving contest, get your face painted, and let the kids trick-or-treat all afternoon. Learn more.

 

Pumpkinpalooza Party Weekend

Saturday, October 29 at 7:00 p.m.

Sunday, October 30 at 2:00 p.m.

HarborWalk Village, Destin

 

Saturday evening is a grown-up affair with fireworks and a costume contest for the adults. Bring the whole family out on Sunday for a kids’ costume contest, trick-or-treat, and art and crafts. Celebrate Halloween all weekend long at HarborWalk! Learn more.

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