Living in Charlotte County Florida

Find the perfect home in sunny southwest, Florida

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The Enclave, Maintenance Free Villas in Englewood Florida

Now is the time to buy in Southwest Florida.  Are you looking for a maintenance free villa?  The Enclave is Englewood Florida’s newest paired villa community.  The community features a heated community pool and cabana as well as a “Fun Rack” with kayaks and bikes.  You can walk to Lemon Bay Park.

The villas have two bedroom, two baths, a den, living room/family room and a separate laundry room, plus a two car garage which is 1586 square foot of air-conditioned living space. There is a private fenced courtyard with a lockable gate, concrete block construction with a tile roof, and 160 mph construction. You get all of this starting from $236,900.  The granite package is included.  They are offering a snowbird special for $5,000 in free options for a limited time only.  Hurry; buy now before they are sold out.

Contact a REALTOR today for your private showing.  There is a furnished model on site to look at.  Here is a link to their web site for more information.

Tammy Hayes, REALTOR, RE/MAX Palm Realty,

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Peace River Car Club 41st Annual Gilchrist Park Show

The Peace River Car Club will be holding its 41st annual invitational car show on Saturday, March 14, 2015 from 10:00 am to 2:00 pm at Gilchrist Park, Punta Gorda, Florida.  This is one of the best places for a car show.  It is held along the Peace River and has picnic tables, pavilions, indoor restrooms, shade trees and cool grass.

There will be music by national recording stars Tim and Rosanne and DJ Tommy Tunes.  Breakfast and lunch will be available through a variety of vendors.  Goody gags with product samples will be provided to only the first 150 pre-registered.  There will also be trophies, a 50/50 drawing and door prizes.  There will be $100 cash prizes to the top 3 cars and $50 cash prizes for best paint, oldest car, newest car, and best un-restored car.  The 50/50 drawing last year was over $600.

Registration fills up fast for this car show.  All participants are asked to pre-register.  Go to the Peace River Car Club web site at:  Spectators are welcome as well.  This site has more details and photos of some of the door prizes being given away.  If you have questions, call the club President, Craig Henry at 941-637-0709.

Come on out.  You will have a great time.

Tammy Hayes, REALTOR, RE/MAX Palm Realty,

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HUD-1 Settlement Statement and Good Faith Estimate are being replaced

As of August 1, 2015, the HUD-1 settlement statement will no longer be used in real estate closings.  It will be replaced by a Closing Disclosure which is five pages long.  The Consumer Financial Protection Bureau (CFPB) has taken over administration of the Real Estate Settlement Procedures Act (RESPA) from HUD.

If you are in the real estate business, you may want to familiarize yourself with this new document.  You can review it by going to the CFPB web site at:  This new Closing Disclosure includes both the RESPA and Truth in Lending Act (TILA) requirements.  This disclosure must be given to the consumer three business days prior to closing.  The National Association of Realtors (NAR) recommends that you have everything ready seven days prior to closing to help alleviate some of the hurdles that may arise.

In addition to the Closing Disclosure, there will also be a new Loan Estimate form.  This replaces the Good Faith Estimate (GFE).  Here is a link to the CFPB web site to review this form:  Lenders must submit this form to the consumer three business days after an application is submitted.  This will be helpful for consumers if they are comparing costs and features of different loans.

Tammy Hayes, REALTOR, RE/MAX Palm Realty,