Tuesday, December 29, 2015

Will Flood Insurance Premiums Rise

     Will Flood insurance Premiums rise as is discussed in this flood insurance article by JOSH BOATWRIGHT with headline and article below?

"On the rise: flood insurance    premiums"

April 4th 2015 we saw this picture and click for article in the Tampa Tribune.

I love it when people are not afraid to ask a question or be involved in dialogue with conflicting thoughts because with out dialogue things could stay the same 

We can all read, listen, talk and act as best we can on what we are able to do, now.  
When you are deciding to move to Florida we do have Hurricanes. 
If you want to move to the beaches and our beautiful Pinellas County barrier islands where i live you have to know that the "BIG one" could come and if you have a mortgage the house you choose will need to be insurable before you close.  

Some sellers think " i have lived here for many years and my insurance is still really low."  However Insurance companies may grandfather may you in somewhat. They may request a 4 point and a Wind mitigation Report but will scrutinize to new standards and put your insurance up or just get you to update to newer standards. Also, they probably already got notices from Citizens especially before 2 yrs after 2012 and if they still had citizens FLOOD insurance that it would go up. Alternatively they may have been able to change to one of the many newer carriers, who were willing to take a portion of risk in  Florida, after the Government announced they wanted to get out of the Flood insurance business with the Biggert Waters Flood Insurance Reform     
Also using an ASHI Approved Qualified Property inspector they can keep up to date on the changes in Standards  like Electrical. and keep up to date with changes. All help educated a buyer. If issues come up the buyer with their Agent can learn to understand if it is going to be a "deal Killer" or not.  Our most popular  Florida FAR Bar AS-IS Revised 2015 has on line 242 the Buyers right to CANCEL and walk away within (if left blank) 15 actual days. 

Please Refer to my insurance partners page on http://flabeachliving.com/  
Here is what Insurance agents look at the insurance journal and a local Insurance company who insures St Pete Beach Florida where i live and work and play.

I found this article today while looking for some current information to give to a buyer excited at the prospect of being able to move to a warm climate and raise hopefully raise their family here. I realized i had not updated my blog. Back in October 2012. Business stopped for the whole month for local realtors and brokers while we all tried to understand and educate buyers and sellers on the impact of the Biggert Waters Flood insurance Reform  Act put out by FEMA 
i found this article today and thought it would be helpful 
April 4th 2015 we saw this picture and click for article Tampa Tribune.
Below is a comment i made to a question asked from local St Pete Beach Resident " Are realtors telling buyers? " so as i responded below this picture of the southern tip of St Pete Beach FL
"if only we could have that Crystal Ball, We can watch trends yes.I can disclose that Condo fees will go up and Insurance will go up jsut like everything else! We do know the government has run out of money. There are other insurance carriers and I am sure they are in business to do business, so their rates will go up, too. Mortgage rates will go up. If a buyer wants to live in a 100 yr Flood Zone, A, then there are risks. Some buyers are ready to take that risk but for those who are not ready there are plenty of evacuations zones with less risk or better still High and Dry X zone areas that are 15 minutes to the our lovely Pinellas beaches or waterfronts where most buyers dream to be, However even there their Roof can be taken off. All Life is a Risk. Some people pay twice as much for the same insurance as another but one person pays the lowest cost to rebuild and other pays for the higher $ amount to rebuild. One person pays the low deductible another takes a risk and pays a higher deductible so they pay a lower annual $ rate. These are personal decisions. As a realtor I try to direct buyers to Insurance agents who will help them with Quotes and help them understand their policies and risks. In buying a house the most important thing is that an insurance company find it insurable. (some Buyers do not understand this B/C they just want the house!!) They determine if it is, with a 4 point and the Wind mitigation report and Flood Elevation certificate, if in a flood zone. I have ordered and paid for these inspections, so that buyers can have the tools to communicate to their trusted insurance agents regarding the specific house.These reports are in the Language of Insurance ready to send to 2 or 3 insurance agents for quotes. See these reports of 2 of my listings under Documents on the side barhttp://myhighanddryhome.com/ and these Waterfronts http://mythreepalmspoint.com/ http://islandliving.info/both property websites. My job is best best served as a Realtor by giving buyer's and seller's options."

I certainly don't think anyone has all the answers when i don"t know i will tell you!

Pass-A-Grille Gulf Front Triplex For Sale 605 Gulf Way St Pete Beach FL 33706 is pocket listing that i have for sale  built in 1920 it is almost 100 years old and was built to be a beach home. The owner said it has not had any damage in the years ha has had it. Especially the recent storms .  I noticed the awesome high ceiling seem to shows no signs of cracking and the raised wood floors have not suffered flood water or Gulf water as far as history shows but am not an insurance inspector or a building inspector!!!

to see more details on this Gulf Front Triplex For Sale cllck on Pagbeach

Call me with any questions 

Diana Sames Selling FLA Beach living since 2001 click to see homes for sale at mystpetebeachhome
REMAX Preferred
5801 Gulf Blvd St Pete Beach Fl 33706

Friday, November 13, 2015

St Pete Beach Gulf Front Mansion For Sale

This recently built Pass-a-Grille beachfront "Coastal Castle" is custom built. Even though it is very much a classic million dollar mansion it still has Loads of charm and Heart.
It was was a pre listing Brokers open event before daylight savings clicked in, when I first saw it, an evening event. I must admit it was hard to see all the properties on realtors tour, as I lingered at this one, a beachfront, it was the only one that got my attention. it is exceptional. 
As a Pass-A-Grille Gulf Front It embraced the beach but within a wide private setting behind the sand dunes.
4.5 million I thought was a very fair price
for almost 6000 sq ft St Pete Beach FL Gulf Front Mansion listed and proffesionaly marketed by Lockhart and Associates St Pete Beach Fl.

 Of course my pictures here were just snaps, from this Realtors sponsored Brokers Open Event, as I walked around amazed at the finishes and the dazzling details in this Gulffront home, so an easy share here on my blog. Call Diana Sames 727-776-0122 

I just LOVE the main access. An exceptional staircase entrance.

We have very little Gulf front land here on St Pete Beach and our Florida Barrier Islands this Custom Built home is truly one of a kind.
I would love to send you the virtual tour with a professional
Photos. Text or call me Diana Sames 
Marketed as Fabulous Beachfront and a Coastal Castle in Quiet Secluded Pass- A-Grille. As a local expert and Realtor Passionate about Selling Fla Beach Front and I have been doing so since 2001, I feel it is good value at 4.5 million dollars.  This list price is well below Zillow Zestimate of 5.6 million dollars.
Though it will certainly not be the most expensive Gulf Front Home sold on St Pete Beach Florida 
I am pretty sure this one pictured above, which I sold around 2010 was. This is a similar sized Custom St Pete Beach Gulf Front home which I sold for 5.25 million. 
It was also exceptional. Check out the home on Zillow:

This one pictured behind my head sold in 2013 for 4.1 million it was only around 5,000 sqft.
If you want a Beach Front Home in Florida call a local Expert Diana Sames

Currently marketing this unique Beachfront home for sale http://islandliving.info/
Or http://Pagbeach.info/

Diana Sames 
Remax Preferred 
St Pete Beach 
Passionately Selling 
Fla Beach Front since 2001.  

Tuesday, November 3, 2015

Regency West Condominiums for Sale St Pete Beach FL

             REGENCY WEST CONDOMINIUMS  For Sale Best Value in ST PETE BEACH FL 
Ses Condos FOR SALE on St. Pete Beach FL in your price range on my website below 

Do You want to know how much your Regency west condo is worth? 

However I find the best deal for the ultimate in large affordable Island Beach Waterfront Vacation lifestyle REGENCY WEST has it all.
                                                           A Residential Condominium 

                                  Leasing restrictions are 3 months minimum rental time frame. Call Diana Sames  Local Real Estate Expert on 727-776-0122 regarding each of the 2 Buildings and their individual rental restrictions. These are to protect the quality of life for this mostly 2nd home community build in 1970. Many were sold in those early days Lease holds on the Land only. While others bought the condominiums.  See condos for sale currently at any time at  http://www.regencywest.info/

wide open water and STUNNING TRANQUILITY sitting on this large dock 

The Home owners hire Managed by  PBM  to manage it for them http://www.probayway.com/
Building 1 on the South is 5575 Gulf Blvd and Building 2 on the North s 5575 Gulf Blvd St Pete Beach Florida 33706

Beautiful Regency West in the heart of St Pete Beach 

Want to Know how much your condo is worth? 

This is a PDF http://cloudcma.com/pdf/f1a53407d38b90eb8dc82f421aa16d90 of the Report i just did today Novemeber 3rd 2015.

Below in a different format of the sales activity Report on REGENCY WEST almost the end of 2015 but not quite so I went back in the last 400 days. Take a look. 


Take a drive off Gulf Blvd into the 5575 Gulf entrance.
Lots of parking.
5 minutes walk and you are in the Gulf of Mexico swimming laps up our 5 miles of beautiful Beach.

Call me I am a full time REALTOR and Real Estate Professional Consultant at Remax Preferred
5801 Gulf Blvd St Pete Beach FL. Just Ask for the Australian Lady ok?
I would love to give you a tour of the market and this unique area to help you find your Best Time to Buy ad Sell with your goals at heart.
Do you want a quick Market snap shot of your property? Go to http://www.passagrillehomes.info/ and put in your address and home size and i have set it up to quickly generate a respone in a few minutes based on the infomation you plug in. Then you can call me with any questions, ok?
Call my cell phone 727-776-0122 


Tuesday, October 13, 2015

2 bedroom condo for sale in Isla Del Sol's Vista Verde West

2 bedroom condo for sale in Isla Del Sol's Vista Verde West! Prime corner unit on the second floor with gulf and garden views.  Modern with Vaulted ceilings. Pets allowed as well as short term rentals.

Vista Verde has a stunning pool for the owners to enjoy and the layout of the subdivision is like a beautiful oasis.

  Above is a short video of 6000 Bahia Del Mar in Vista Verde's West to better show the condos layout
                        click here to view the listing in detail

Contact Diana Sames Today to make an appointment @ 7277760122

Monday, October 12, 2015

Updated 4 bedroom waterfront St Pete Beach Home for sale

Updated 4 Bedroom waterfront St Pete Beach Home for sale. 
over 2500 sq ft fully updated with 2 master suitesdeep protected water,  great boat access and includes a new 10,000 lb boat lift.  
Just a few minutes walk from restaurants like the beach to put your toes in the sand.

    Above is a short video of this waterfront St Pete Beach Home

                              Immaculate! Must see inside

This ranch style home is truly a expansive luxury waterfront paradise. Located in the desirable Three Palms Point Community on St Pete beach. This Saint Pete Beach neighborhood ofThree Palms Point is one of the newer and few St Pete Beach neighborhoods that have underground utilities which makes it unique plus gives all the homes more curb appeal. The location is right in the heart of St Pete Beach just a few minutes walk from the Gulf!

 click on the link to see all the details of this fully updated 4 bedroom waterfront St Pete Beach home  http://mythreepalmspoint.com

Click on this Google link for Restarants near by   Not to mention Guy Harvey Outpost  of the Trade Winds Beach hotel of Just Let Go 
Call Diana Sames cell phone 727 776 0122  for an appointment Now.
                         to see this Gorgeous MUST SEE INSIDE Beach home today
Passionately Selling FLA Beach Living since 2001

Saturday, October 10, 2015

Plans announced for redevelopment of Plaza Beach Resort

Plans announced for redevelopment of Plaza Beach Resort were unveiled last week at the St Pete Beach community center. The Allure will be a new 66 room boutique condo/hotel. The majority of the rooms will be two bedroom, two bath. "There are no two bedroom two bath on St Pete beach, it is what people desire and what this area needs" say Robert Czyszczon the general manager of the resort.

Robert Czyszczon

Plaza Beach was built in 1951. Plans for the current hotel to be demolished by july of next year.
This is the first approved 2 bedroom condo hotel on St Pete Beach.

 Sunset vistas which is on Treasure Island has 2 beds, 2 baths and they average about 90 percent occupancy. St Pete beach averages about 75 to 78 percent occupancy. The whole goal here is to bring more people to St Pete Beach. This new development is going to be a condo/hotel. Which means they are income earning investments. St Pete Beach real estate really seems to be picking up Thanks to the new leadership and projects like these only help the areas growth.

Thursday, September 17, 2015

Updated Waterfront 4 bed 3 bath 2500 -3000 sq ft and boat access

Updated Waterfront 4 bed 3 bath 2500-3000 sq ft and boat access to truly have enjoy a beach living lifestyle. With just a small walk to the beach. Three Palms Point is a quiet waterfront community within St Pete Beach where these listings are located.
This property is delightfully perfect and fully updated. It has boat access and a boat lift,  room for a pool, and a large screened in patio to enjoy the evenings on the waterfront.

I took fellow realtor Tammy to preview 2 homes in Three Palms Point.  Afterwards we went and did a surprise preview of my listing which is coming soon! This is what she had to say !

                                      6360 3rd palm point

                                      6360 2nd palm point


                                     6351 2nd palm point

Friday, September 11, 2015

High and Dry Home for Sale on half an acre in St Pete has Owner Financing and a 3 car garage.

This High and Dry Home for Sale on half an acre of Land in central St Pete has Owner Financing and a 3 car garage.

Unique 3 bed 2 bath home for sale in the heart of St Petersburg FL 33713 sits on more than 1/2 half an acre, it is actually 23,700 sq ft  the only one on the MLS like it available as of todays date when I posted this.  There was another one , also listed by RE/MAX Preferred with over 1/2 acre in property but it just went under contract today, it was in St Pete's Bonnie Bay and part of the half acre was a lake.  Are you looking for a home under 300k and half and acre 10 minutes from beaches and downtown this 2 bath home is it. It also has a 3 car garage and a huge Carport.
Here is an earlier home tour.
You don't need to head to the country, it is right here in the heart of St Pete! This home for sale in 33713 is High and Dry with no flood insurance required also needed.
                                                          click here for listing details

Here a quick video tour around outside of this UNIQUE property in the heart of St Pete Fl 33713
Call Diana Sames REMAX Preferred for an appointment 727-776-0122
 I sell FLA Beach Living but this High and Dry north central St Petersburg home is only 10-12 min to  Treasure Island!

Take a recent tour around the Half acre with side alley access for utilities outside the home.

            Here is a Recent walk thru tour of the inside the home itself. 
 The main home is raised with the cove ceilings and shiny wood floors. 
 Therefore there are steps connecting to the 3 car insulated concrete garage with a huge loft.  
High and Dry Home for Sale on half an acre of Land in central St Pete. Owner will offer Excellent interest rate and financing terms with a large amount down.  Call Diana Sames 727-776-0122 regarding the Owner Financing Terms and make this home with and a 3 car garage slash man cave your home today.  

Friday, August 28, 2015

St Pete Beach renovated waterfront Open House 1-4

St Pete Beach totally renovated waterfront home with deep water boat access and 10,000 lb lift.  Just a couple of minutes walk from beach, shops, and restaurants

You must see this Home. The Open House will be held on Sunday from 1-4 pm Click on the picture below for Driving Directions.
Call Diana Sames @ 727 7760122 if your running late for the Open House! :)

Monday, August 24, 2015

Downtown TIerra Verde commercial condo for sale in 33715

  Downtown Tierra Verde a Commercial condo for sale in 

 Now since 1997 it seem to be Downtown Tierra Verde is Tierra Verde's largest business area. 
See more about this Commercial condo investment here at http://www.tierraverderealestate.info

Monday, August 17, 2015

Luxury condos for sale in Bacopa Bay 33715

    Luxury condos for sale in Bacopa Bay! Located in Tierra Verde's zip code 33715 (Bay Way Isles, St petersburg).  Bacopa Bay is a beautiful and quite gated waterfront community with of lush tropical landscaping, white sands, fountains, ponds and endless wide open waterfront views

                     See all MLS listings for sale in Bacopa Bay click here BacopaBay.info

Watch Video of Bacopa Bays free form pool and Sandy Beach  
The community includes 2 swimming pools and a club house.

     Unit 104 is located in the Summerland building on the 1st floor above the parking garage.
Only one floor separates you from your vehicle and freedom of the outdoors. 
Take a Quick Video Stroll through over 1800 sq ft and 3 bedrooms 2.5 bathrooms of a huge WELCOME  patio off the elevator shared with only 2 units.  It also had 2 stair cases for secure quick easy access to the underground parking area.

The gated community is secure and safe. You must see this unit if you are looking for luxury condos for sale in Bacopa Bay!

          Plus not just Wide Open Water views but soothing green swaying palm fronds and lush lawns.

         Call Diana Sames the only Australian at REMAX Preferred for an apt today on 727-776-0122

Tuesday, August 11, 2015


"We are all excited about this much anticipated return of SUNSET POINTE CONDOMINIUMS 
Gated, Pre Construction development on Collany Drive, behind Billy's Stonecrab restaurant. Just released in the last few weeks. Starting in low $900,000's this Exclusive Gulf Front Preserve is 30 min dive and only 2 traffic lights between you and Tampa International Airport "
                                               said Diana Sames Local Realtor RE/MAX Preferred 
                                 "only 25 min and 2 lights to the island of Tierra Verde FL 33715"

This picture of Fort DeSoto National Park linked to Tierra Verde and it is the southern most barrier  Island in Pinellas County and Voted many time as one of  the Best Beaches is the USA 
                                          Come for a Very short drive to preview the entrance ?          
I was over there last week I thought how beautiful  Collany Drive now looks. The timing was not quite right when the island was cleared and the original Sunset Pointe development. Even then more than half were pre-sold before this edition pictured in our local Paradise News back in April 2008.   The timing is now Perfect. Read more below old 2008 pic.
the development is ready backed by click 4 local businessmen . Check out this the Tampa Bay news article also.
      Sunset Pointe Condominium Pre -Construction is NOW AVAILABLE Call 727-776-0122  to
get your Tour so you can make your reservation today Reservation or email to diana@flabeachfront.com  Take a private video tour with Diana Sames and Deb Marcum
Listing Presented by Equity Consultants,

                                    Photo mid left for Collany Dive and Collany Key Preserve 


     RE/MAX Preferred Direct 727-776-0122
Here is another Pre-view from the only private residence on the island that faces the grand canal Tierra Verde marina and main access to the Gulf for Tierra Verde Residents.
 Tierra Verde Marina Resort  Here is another local Tierra Verde but Commercial Development Completed and Businesses Sold out
      Passionately Selling Florida Beach Living since 2001


Wednesday, August 5, 2015


                     St Pete Beach 33706  Florida's
                                        Brightwater Beach first Add, Brightwater Beach Estates,


 see more history and pictures of this Brightwater Beach home for sale
Brightwater Beach Estates,
Waterfront home on the north of Brightwater beach Estates

            505 55th Ave St Pete beach Florida 33706  Preview dated September 2 2018 
            Click here For history of sales on the MLS or what is for sale now.

Pinical Southern Point of Brightwater Beach Estates
5 bedrooms 6.5 bathrooms 6682 plus sq ft  
 Click picture 4 more MLS i604 55th ave home info and reports
click for LUXURY MLS link 604 55th ave St Pete Beach FL 33706

click more MLS reports and info on above 604 55th ave for Brightwater Beach Estates Luxury living  

Homes for sale on North side of 55th ave St Pete Beach FL 33706