Category: Real Estate Tips

More homes are hitting the market in Palm Harbor, and for the first time in a while, the pace is starting to cool. Prices have dipped from their peak and have held pretty steady lately, which means we’re not in that “blink and it’s gone” frenzy anymore.

But let’s be clear: national headlines don’t tell the full story. The real tea? It’s all about what’s happening right here in our local market.

If you’re thinking of buying or selling, here’s what I’m seeing on the ground in Palm Harbor and nearby neighborhoods, and what I’m sharing with my own clients.

Local Housing Market Stats – June 2025

Median List Price

$419,900: down from $435K this time last year.

Average Price Per Square Foot

$270/Sqft: a helpful number to keep in mind when comparing homes in different neighborhoods.

Sale-to-List Price Ratio

97%. Most homes are selling below asking, which gives buyers a little more breathing room (and negotiating power).

Mortgage Rates

30-year fixed: 6.9% 15-year fixed: 6.1% Rates are still high-ish, but not climbing the way they were. If you’re waiting for the perfect rate to buy or sell… you might be waiting forever.

Average Days on Market

81 days… homes are sitting a bit longer, so sellers need to price strategically and make their listings shine.

What This Means for You

Buyers: You’ve got more options and more leverage than you’ve had in a while. Yes, rates are higher, but home prices have softened, and you’re less likely to get into a 10-way bidding war over a mediocre kitchen. Sellers: Pricing it right matters more than ever. Today’s buyers are informed, patient, and not here for overpriced listings. But with the right strategy, you can still get a great return.

Bottom Line?

The Palm Harbor real estate market isn’t frozen, but it has shifted. Whether you’re upsizing, downsizing, or just trying to make sense of the noise, having hyper-local insight makes all the difference.

Thinking about buying or selling in Palm Harbor or nearby?

Schedule your strategy call today.

One of the most important parts of my job is digging into the numbers. Local market trends, what homes are actually worth (not just what the listing says), and how prices are shifting.

Why does that matter?

Because when you understand the numbers, the decisions get easier. Whether you’re buying, selling, or investing, the right move always starts with the right data.

I don’t deal in fluff or guesses. I give advice that’s actually worth something.

So if you’ve been wondering things like:

“What’s my home really worth right now?” “Should I wait to buy or make a move now?” “What’s happening in my neighborhood that I should know about?”

I’ll run the numbers based on your situation and help you move forward with clarity.

Schedule your strategy call today.

You find a dreamy home, fall in love, and the agent showing it knows everything about it, because they’re also the one who listed it. So you wonder: Can this agent represent me too?

Short answer? Yes.
Longer, more nuanced answer? Yes, but let’s unpack that.

What Is Dual Agency?

In real estate, dual agency is when one agent represents both the seller and the buyer in the same transaction. Sounds efficient, right? Like fewer cooks in the kitchen?

Well… not so fast.

The Problem with Wearing Two Hats

Typically, a listing agent owes something called a fiduciary duty to their seller. That means they’re legally and ethically bound to act in their client’s best interest—getting top dollar, negotiating strong terms, and protecting confidential info.

But when dual agency enters the chat, that full-on advocacy gets watered down. The agent has to stay neutral. No coaching either side, no pushing for one person’s win. Everyone plays it straight down the middle.

Some states, like Florida and Texas, don’t even allow true dual agency because it’s just too murky. Instead, agents might act as transaction brokers (facilitators, not advocates).

Have Questions?

Let’s talk strategy, loyalty, and how to get the best outcome for you. Schedule your strategy call today.

A Market Update for Palm Harbor Buyers and Sellers

If you’re considering a move or just keeping an eye on the housing market, there’s some exciting news for both buyers and sellers. Let’s break down the latest trends and why now could be the perfect time to make your move.

Mortgage rates are on a pretty friendly track right now.

On average, things are trending in the right direction.

That said, there’s never a guarantee that the market will keep moving the same way.

A few advantages for buyers…

Home prices have leveled out in most major markets, and Palm Harbor is no exception.

Right now, the median list price here is sitting at $531,065. The market’s been cooling for a bit, and we’ve seen prices hold steady for a while now.

On the selling side, now is the time to list your home.

Especially if you’re hoping to get ahead of the wave of new listings hitting the market.

Buyers are reaching out daily… and some of them could be looking for a home just like yours!

Let’s Make Your Move Happen

Whether you’re looking to buy, sell, or just need advice, I’m here to guide you every step of the way. My goal is to help you save time, money, and frustration in the real estate process.

Reach out anytime to discuss your plans, I’d be honored to help you navigate the current market and achieve your real estate goals. Schedule your strategy call today.

When it comes to buying or selling a home, preparation is key… and it’s never too early to get started. Even if you’re not planning to move for another two to three years, opening up the conversation now can make a big difference in your future experience.

As a real estate professional, I’m here to help guide you, no matter how far out your plans might be. Here are six important questions you can ask me today to set yourself up for success:

1. What can I do now to start preparing for buying or selling a home in 2-3 years?

Early preparation is crucial. We can talk about everything from financial readiness to understanding your ideal market timeline. Small steps now can lead to big results later.

2. How do you expect the real estate market to change this year?

Real estate markets fluctuate, and staying informed helps you make smarter decisions. I can provide insights into current trends and what to expect in the months (or years) ahead so you can make the best decision for your goals.

3. What financial factors should I consider before buying or selling?

From understanding closing costs to budgeting for home improvements, I’ll help you identify the financial factors that can affect your bottom line.

4. Should I make any improvements to my home before selling?

Not all upgrades offer a good return on investment. Let’s strategize which improvements will maximize your home’s value when the time comes to sell.

5. How can I start researching neighborhoods or areas I might be interested in?

Choosing the right location is as important as finding the right home. I can recommend tools, resources, and even specific neighborhoods that match exactly what you’re looking for.

6. How can I build or improve my credit score in preparation for applying for a mortgage?

Your credit score plays a huge role in securing favorable mortgage rates. I can connect you with trusted financial professionals or share strategies to help you get credit-ready.

I’m Here for You, Whenever You’re Ready

Whether you’re planning to buy or sell tomorrow, next year, or three years down the line, it’s never too early to start planning. My goal is to save you time, money, and frustration while guiding you every step of the way.

Let’s start the conversation today and create a roadmap for your real estate success! Schedule your strategy call today.

It pays to be a homeowner. Why? 

One word: Appreciation.

When you own a home, you’re not just securing a place to live… you’re investing in an asset that increases in value over time. Here’s why that matters and how it can work for you.

Home Prices Are on the Rise

According to the Home Price Expectation Survey (HPES) by Pulsenomics, a group of over 100 economists, investment strategists, and housing market analysts predict home prices will continue to climb at an average annual rate of 3-4% through 2027.

The Power of Equity in Action

Let’s put this into perspective:

Imagine you invested in a $400,000 home at the start of 2023. By 2027, thanks to projected appreciation rates, your home could gain an additional $71,000 in value. That’s equity growth you can bank on, just from holding onto your property.

This isn’t just a theoretical benefit. Homeownership is one of the most reliable ways to build long-term wealth, as your home’s value appreciates while you pay down your mortgage.

Why It Matters for You

Owning a home is more than having a roof over your head, it’s a strategy for financial growth. Every year, your property’s value adds to your wealth, offering a return on investment unlike any other asset class.

If you’ve been debating whether now is the right time to buy, consider this your sign. The market trends are clear: buying a home today sets you up for financial success tomorrow.

Ready to Make the Leap?

Homeownership doesn’t just pay off, it grows your wealth. If you’re ready to turn your dream of owning a home into reality, I’m here to help.

Let’s discuss how buying a home in today’s market can be a wealth-building investment for your future. Schedule your strategy call today.

In an ideal world, buying and selling your home would align perfectly — no delays, no stress, no hiccups. But in reality, real estate transactions don’t always unfold as smoothly or timely as we would hope. However, the good news is that there are tried-and-true strategies to help navigate the process and smooth out any bumps along the way.

Let’s dive into two powerful tools that can help you manage the timing challenges of buying and selling at the same time:

Leasebacks: Buying Time Without Moving Twice

A leaseback allows you to sell your home but rent it back from the new owner for a temporary period. This can be a game-changer because it provides you extra time to find your next dream home without the pressure of moving immediately or having to make multiple moves.

How it helps:

• You close the sale of your current home, securing your funds and removing the financial burden.
• You continue living in your home, giving yourself flexibility and breathing room to find and close on your next property.

Leasebacks are a great option to keep in mind, particularly in competitive markets where your ideal new home may not be readily available.

Bridge Loans: Financial Flexibility for a Seamless Transition

Bridge loans are another valuable option, offering a temporary financing solution that covers the gap between selling your current home and purchasing a new one. They can be broken down into two phases:

Phase 1: You typically won’t have to make monthly payments on your new home, but interest will accrue during this period.

Phase 2: Once you’ve sold your current home, the proceeds are used to pay off the bridge loan, including the accrued interest.

The major advantage of bridge loans is that they remove the contingency of selling your current home before purchasing a new one. In a hot real estate market, where homes are often scooped up quickly, this gives you a competitive edge. You can make a strong offer on a new home without the pressure of selling first, allowing you to act quickly and decisively.

Extra Tips for a Smoother Process

Beyond leasebacks and bridge loans, here are a few more tips to help you successfully navigate buying and selling simultaneously:

• Sync your closing dates as closely as possible. While it’s easier said than done, aiming for aligned closing dates can minimize overlap and ensure a smoother transition.
• Have a backup plan. If your closing dates don’t align perfectly, know where you’ll stay in the interim. Leasebacks and bridge loans can help, but it’s wise to have alternative options in case there are unforeseen delays.
• Maintain open communication with your real estate team. Keeping in close contact with your realtor, lender, and legal professionals will help prevent misunderstandings or missed opportunities. No question or concern is too small!
• Don’t let the details overwhelm you. The process can feel chaotic at times, but remember — this is a temporary phase. Soon, you’ll be settled into your new home, enjoying the fruits of your planning and patience.

Buying and selling a home at the same time may not be without its challenges, but with the right strategies and a supportive team, you can navigate the process smoothly and with confidence!

Schedule your strategy call today.

Every election cycle, people wonder: Is now the right time to buy a house, or should I wait until after the election? It’s a good question, but the answer isn’t as simple as you might think. While elections can stir up uncertainty, history shows their impact on the housing market is usually pretty small and short-lived. So, let’s break it down.

Does an Election Really Shake Up the Housing Market?

The data tells us that presidential elections don’t cause much of a disruption in the housing market. In fact, home sales tend to stay pretty steady compared to non-election years, with one key exception: November. November tends to be slower in election years, likely because people are more focused on the political drama than on house hunting. But here’s the thing: after 9 of the last 11 elections, home sales picked up the following year. So, even if November’s slow, things usually bounce back quickly.

What About Home Prices?

If you’re worried that prices will drop or spike due to the election, you can relax a bit. The market usually follows whatever price trend is already happening, regardless of politics. In fact, home prices went up after 7 of the last 8 elections, with 2009 being the exception, and that had more to do with the Great Recession than the election itself. So, if prices are rising now, they’ll probably keep rising whether or not you wait.

Will Interest Rates Change Before the Election?

Here’s some good news: interest rates tend to ease leading up to elections. In 8 of the last 11 presidential election years, mortgage rates actually dropped between July and November. And the forecast for 2024? Many experts are predicting that rates will continue to come down throughout the year. So, if you’ve been waiting for better rates, this could be your chance to lock in a lower one before the election.

What’s the Bottom Line?

At the end of the day, whether you should buy a home now or wait until after the election comes down to your personal situation. Are you financially ready? Have you found a place you love? If so, don’t let the election hold you back. Sure, the market might slow down a bit in November, but the overall impact of an election on housing tends to be small and short-term.

So, keep an eye on interest rates and local market trends, but don’t stress too much about the election. If the right house comes along and you’re ready to make a move, there’s no reason to wait! Schedule your strategy call today.

Are any of these housing market myths holding you back?

Myth 1: Owners have low rates and will never sell. 

Reality: While it’s true that many homeowners locked in low rates several years ago, life happens, and people will always need to sell their homes. 

Families grow. Empty nesters downsize. People relocate, retire, etc. And many of them have homes to sell.

Myth 2: As rates rise, prices will plummet.

Reality: While we’ve all wished for interest rates to soften home prices, there’s another challenge driving up home prices — limited inventory. Although, many markets are seeing increased inventory in 2024.

Myth 3: The housing market will crash like in 2008.

Reality: The 2008 crash was fueled by faulty mortgages and buyers taking on more than they could afford. @loganmoto does a fantastic job taking on the #HousingBubbleBoys on this one.

Housing myths come and go, but real estate wins in the long run. If you’re ready to explore the market, I’m here to help. Schedule your strategy call today.