Living in Charlotte County Florida

Find the perfect home in sunny southwest, Florida

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For Sale 48 Golfview Ct, Rotonda West For Sale

For Sale, 48 Golfview Ct, Rotonda West, FL.  FrontSpacious 4 bed, 2 bath home with den and 2 car garage. Enjoy outdoor living on this extra-large cul-de-sac lot with a pool overlooking a pond and golf course in Rotonda West Oakland Hills. Marcite pool was updated 8 years ago. All windows and doors are hurricane impact installed in 2007 except front door and garage which have hurricane fabric. AC including duct work and roof were replaced in 2006. The kitchen offers wood cabinets; a pantry and breakfast bar plus all appliances are included. Large step down living room offering an electric remote controlled fireplace. The dining room has ceramic tile floors with a decorative mosaic center and French doors leading to the lanai. The master bedroom is oversized with a large walk in closet, tiled shower and updated vanity with glass vessel sink. The master also has French doors leading to the lanai. This is a split bedroom plan with 3 beds and den on the opposite side of the home. Great for large family. The guest bath has had updates and features a linen closet, custom tile and doubles as a pool bath. The two car garage contains the laundry area with washer and dryer hookup, cabinets and laundry sink. Hot water tank replaced 2014. Wide driveway with extra parking and outdoor storage area in back. If you need a lot of space, this home is for you! All this and close to the beaches, Boca Grande, world class fishing, boating and several golf courses to choose from.

Web link:

Tammy Hayes, Re/Max Palm Realty, Port Charlotte, FL,, 941-276-6185



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Getting your home ready for the marketplace

Often the first step in selling your home is making sure it’s ready for the market in the first place. Some sellers rush a home onto the market without properly preparing it for the public. By considering early on improvements that you may need to make, you can save yourself future headaches.

The amount and kind of work that you should do depends largely on the price you intend to ask, the time you have to sell, and the current condition of the house. If your house is in good condition and you’re pressed for time, do the small things that can make a big cosmetic difference. New paint, re-grouted tile in the bathroom and kitchen, new carpet in the major traffic areas-these are the kinds of things that can be relatively inexpensive for you yet important to potential buyers.

As far as major projects are concerned, avoid making improvements that may come down to a matter of taste. For instance, most buyers will appreciate newly tiled bathroom floors or brand new professional roofing, but not all buyers will be swayed by an expensive swimming pool in the back yard. Make sure that the investment in time and money you make for any project will be recouped in the sale of your house.

I’d be more than happy to help you with any questions you have as you move towards the sale of your home. Please also visit my website, it is a great information resource for real estate. When you are ready to put your property on the market, I can see to it that it is marketed effectively. Please don’t hesitate to call me with any of your real estate needs.

Tammy Hayes, Realtor
Re/Max Palm Realty

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Easy do-it-yourself repairs for homeowners

The best way to cut down on the potentially high cost of home maintenance is to tackle the simple jobs on your own. Here are some basic repairs that you should be able to handle without too much difficulty:
• Plugged Sinks- Pull out and clean the sink stopper. If the problem persists, turn off the water supply under the sink before removing and clearing the trap (the curved section of drainpipe under the sink). Avoid using chemicals if you suspect a serious blockage.
• Plugged Toilet- The first resort is the tried and true toilet plunger. If that doesn’t work, use a plumber’s snake to clear the pipe.
• Electrical Failure- Check the circuit breaker to see if the circuit has been tripped to the off position. You may need to replace a blown fuse (replacement fuses usually cost less than $5).
• Leaky faucet- Shut off the water under the sink and replace the washer on the faucet. If the dripping persists, you may need a new faucet unit.
• Damp areas- Make sure that gutters extend away from the house and that the earth is graded away from the walls. A dehumidifier can help dry the air, but you may need to call a professional if you find cracks in the foundation.
• Damaged caulking- Crumbling caulk around tiles, windows and doors needs to be replaced periodically. Caulking guns and caulk run about $20 total and are easy to use.
• Gouges or holes in walls or woodwork- Holes in plaster walls and drywall are easily fixed with plaster patching compound or spackling compound, respectively. Holes in woodwork should be filled with wood putty and sanded lightly. Refinishing may be necessary.
I hope these tips help you with the upkeep of your home! I’d be happy to give you recommendations for home repair experts should your house need additional attention. Let me know if I can be of assistance in any way.

Tammy Hayes, Realtor
Re/Max Palm Realty, Port Charlotte, FL

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Need more Listings, Inventory decreasing

With the snow birds and investors buying up quite a few properties in Charlotte and Sarasota Counties in Florida , we are in need of more Listings to show and sell to our prospective buyers. If you are thinking of selling your home, this is a great time. Interest rates are still low for buyers. Contact me today to get a free Compartive Market Analysis on your home.

I am a Realtor with RE/MAX Palm Realty in Port Charlotte, FL.

RE/MAX is a leader in listing and selling houses in this market area because:
– We have more high producers than any other company in the area.
– We have comprehensive print, TV, and direct mail advertising programs.
– We are members of the RE/MAX International Relocation Network.
– Our satisfied past customers provide a source of potential buyers.
– All of our Sales Associates are full time and receive extensive, ongoing skill development training.
– We have efficient, computerized property information systems.
– We have the most up-to-date computer technology and computer training.
– We have a commitment to excellence in all areas of the real estate business.

Contact me today!

Tammy Hayes, Realtor
RE/MAX Palm Realty

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Typical closing costs on a home in Southwest Florida

When buying or selling a home people always ask, What are the closing costs?  It is different in every situation.  If you are planning to buy or sell a home, you will want to know what the HUD-1 Settlement Statement is.  It is a form used by the closing agent whether it be a title company or lawyer.  It provides a complete summary of the incoming and outgoing funds for both the buyer and seller in a real estate transaction.  (HUD – U.S. Department of Housing and Urban Development)

The HUD-1 is required in all transactions which involve federally related mortgage loans and even cash closings.  It is required in the United States by the statutes of the Real Estate Settlement Procedures Act or RESPA.  The closing agent should provide a copy of the HUD-1 at least one day prior to the closing so that it can be reviewed by all parties and there is time to correct any discrepancies that may occur. 

Here is a list of the typical expenses involved in selling and buying a home in Southwest Florida.  Not all expenses apply.

Expenses for the Seller

Attorney fees

Owners Title Insurance Policy

Preparation of Deed

State Doc Stamps on Deed

FRIPTA Foreign Investor 10%

Realtor Marketing Fee

Termite Damage Treatment

Structural Damage Repairs

Proration of Real Property Taxes

Proration of Maintenance Fees if HOA

Existing Balance on Mortgage

Expenses for the Buyer

Attorney Fees

Recording Deed


Termite Inspection

Insurance Policy

Mold Inspection

Flood Insurance

Home Inspection

Well Test

Proration of Real Property Taxes

Proration of Maintenance Fees if HOA

Chinese Drywall Inspection


Additional Expenses for Buyer if a Mortgage is obtained

Mortgage Title Insurance

Service Fee or Origination Fee

Doc Stamps on Note

Lender’s Attorney Fees

Appraisal Fee

Assumption fee on existing mortgage

Intangible Tax

Recording Mortgage

Credit Report

Escrow Account (Taxes and Insurance)

Tammy Hayes, Realtor, Sandals Realty, Punta Gorda, FL

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Be aware of Zoning laws

There are five different categories of zoning: residential, commercial, industrial, agricultural, and public (special use).

 Residential zoning is based on density which limits the number of dwelling units allowed per acre of land. Commercial zoning is based on the degree of intensity of use and it stipulates the parking requirements as well as size and height of improvements. Industrial zoning controls the pollutants, air emissions and waste water discharges that result from manufacturing or production processes. Agricultural zoning is land for agricultural use. And public zoning applies to government-owned land for use such as schools, courthouses, parks, and other public facilities.

If you live in Charlotte County, FL you can go to the following web site for the current planning and zoning at: Current Planning and Zoning is part of the Building and Growth Management Department and consists of the Site Plan Review, the Board of Zoning Appeals, and other zoning services.

It is a good idea to check with zoning for the following types of items: residential fence installation, temporary uses such as special events, temporary advertising devices, commercial name changes, tent permits, model home flags, landscaping, trees, sheds, docks, lifts, seawalls, piers, excavations, and ponds as well as applying for any variances.

Tammy Hayes, Sandals Realty, Punta Gorda, FL –

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Lis Pendens and Foreclosure

A lis pendens is notice of a pending lawsuit against a property owner.  It is a public notice recorded in the same location where the title of real property has been recorded. It is usually filed in the county records.   It lets the owner know that a lawsuit might later affect the title.  A lis pendens is not a lien.  It is only a lien when the lawsuit is successful, then it becomes a lien.  This will in turn have an affect on the title.

Foreclosure is the enforcement of a lien.  It is accomplished by legal proceedings in court as the result of nonpayment of a debt.  Foreclosure terminates the rights of the owner and results in the public sale of the property used to repay the lien.  If the sale does not bring enough money to pay the existing balance on the mortgage, the lender can file a claim for deficiency judgment.

A deed in lieu of foreclosure is an alternative to a foreclosure sale.  A mortgagor who is in default can voluntarily deed a property to a lien holder in lieu of payment of a debt. It offers several advantages to the borrower and the lender.  It releases the borrower from personal debt associated with the loan.  The borrower also avoids public notoriety of a foreclosure proceeding.  And lastly, it does not hurt the borrower’s credit as much as a foreclosure. 

Seek advise of a real estate lawyer if you are involved in any of the above situations.

Tammy Hayes, Realtor, Sandals Realty, Punta Gorda, FL