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To FIND your Tampa Bay Dream-Home click on this >>> link (the 100% up-to-date property search web-site). Search on your own or contact us to set you up on a property search matching all your requirements. Either way we offer our professional realtor services to you (all paid for by the seller). Read our ‘testimonial’ web-page - utilize our ‘Experience, Diligence & Integrity’ to help you get into your dream home. Besides the initial properties you’ll receive from a search I set you up on, you'll automatically be eMailed any (i) NEW LISTINGS, (ii) PRICE REDUCTIONS and (iii) UPDATED PICTURES - so you’ll be in control & won’t miss any market activity. Once you find what you’d like to see, eMail the listing numbers to me & I’ll make the appointments to show you these homes. I’ll patiently help you find your ‘right-fit’ home & negotiate the lowest possible price for you. |
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Homes for sale in FishHawk Ranch Diamond Hill, Lake Weeks, Covington Park & Mira Bay. |
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' 813.600.3292 Team Smiley & Marlene |
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' 813.600.3292 Smiley & Marlene Papenfus |
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‘Page Down’ for ‘financial calculators’ and ‘accurate interest rates’ - no teaser rates - also for Taxes & Insurance. ↓ ↓ ↓ |
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‘PITI’ CALCULATIONS (Principal, Interest, Taxes & Insurance) Answers to 1/29/08 amendment 1 tax savings - Portability tax calculator To calculate your annual property taxes, simply multiply the assessed value by the millage rate of 0.020306 (for 2008 - which is adjusted slightly each year to meet Florida’s annual budget). Remember, taxes are paid in arrears, i.e. you pay end of this March for last years taxes. In Florida you don’t pay State taxes, just property taxes and 7% sales tax (which is also used to fund public education through to K-12). Of course we also pay Federal taxes. Example 1: Purchase a home for $240,000, which will have about a 17% lower assessed value of $200,000 x 0.020306 = $4,061.20 annual property taxes OR $338.43 per month. If the home is your PRIMARY RESIDENCE, you need to apply for Homestead exemption which effectively reduces the taxable value of your home by $50,000. Click on this link >> to see all property tax exemptions available in Florida. Homestead exemption also limits the annual increase of your property taxes to no more than 3% - a huge long term tax saving. Click on this link >> for details on filing for Homestead exemption. Example 2: With Homestead exemption your $200,000 assessed home would only be taxed on $150,000 x 0.020306 = $3,045.90 OR $253.83 per month - that’s a $84.61 saving per month - which just may be the little extra you need to get into that nicer home. DISCOUNTS for early property tax payment are applied during November (4%), December (3%), January (2%), and February (1%). No discount is allowed on March payments. From April 1, last years taxes become overdue. Example 3: Example 2’s taxes of $3,045.90 less 4% = $2,924.06 OR $243.67 per month - that’s a tidy $94.76 saving per month off Example 1’s monthly payment. I highly recommend a Mortgage Broker who is highly efficient, reliable & honest - Sadikah Manhertz - 813.310.1895 - she has pulled off miracles for me and got people into homes when no one else was able to help. She will be able to supply you the required PRE-QUALIFICATION LETTER TO BUY over the phone as a free service. |
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Looking to Buy |
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Click on these links >>> for tips to lower your property taxes - Answers to 1/29/2008 amendment 1 tax savings - New portability tax calculator. |
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For a quote on Home Insurance call John Clarkson, from >> All State Insurance - 813.236.2994 or 813.841.1636 C - I recommend him for his excellent customer service, honesty to act in your best interest and for saving me a few $100’s on my home & auto insurance. ————————————————————————— WASHINGTON – July 7, 2009 – Mortgage info available at your fingertips – Although the mortgage lending crisis put a serious squeeze in the housing market, the situation has also produced attractive low borrowing rates for prospective homebuyers who can qualify for a mortgage. Moreover, the federal government has offered an $8,000 tax credit for first-time homebuyers through Dec. 31, 2009. What should a person know about securing a home mortgage, and the different types of mortgages available? A spin on the information highway will turn up a bevy of answers. Several Web sites provide tips and information about qualifying for a mortgage. Here is a sampling of sites:- |