Featuring Florida real estate for retirement, vacation, relocation and recreation.  Gulf front condos, single family homes and 55+ retirement communities. Ask me about golf course homes, fishing and condos with boat slips.

Welcome to my website. In your Florida Real Estate search, allow me to provide you with automatic updates for Florida real estate, homes and condos in the greater Clearwater, Clearwater Beach, Island Estates, Sand Key, Dunedin, Palm Harbor, Oldsmar, East Lake, Odessa and St Pete, FL area.

Contact me at 727-432-3271 or e-mail  SteveinFL@gmail.com

Florida will continue to be a premier retirement and relocation destination.  The Tampa Bay area is expected to make a "V" shaped recovery which means that the market will recover as quickly as it declined.  This is attributed to property values due to it's climate, vibrant employment sector and quality of life and recreational offerings.       

Prices have come down and the market is becoming more active.  With a change in international currency values there should be a large influx of international buyers looking for their place in the sun.  There are some beautiful luxury beach front condo developments on Clearwater Beach, notably, Sandpearl Resort and Residences and Mandalay Bay.   

Desirable properties are beginning to sell more quickly due to price reductions and improvements being made to existing homes and condos.  I am seeing more properties come on the market at favorable prices.  Property owners are beginning to realize that to sell a home or condo, the price should be attractive to a potential buyer.   

With the current mortgage crisis there are more and more foreclosure properties becoming available.  Contact me to keep you updated on foreclosures in the area.  These are bank owned and vacant and waiting for your offer.  Be advised however that these properties are negotiated through the banks and the transaction, if it occurs, can take many months.

If you are facing foreclosure or considering a short sale, I will take care of the entire transaction including negotiating with your lender.  Short sales can be effective in avoiding foreclosure, protecting your credit and making a smooth transition.  You must meet certain guidelines which are outlined on my website.  

 If you are thinking of selling your Florida home or condo, my advice is "price it low and let it go."  There are so many properties available, the best way to compete is by price along with some minor improvements.  I have seen people go overboard with improvements, only to inflate the price of the home in the buyer's eyes.  There are buyers out there and they are looking for bargains.  If you are selling, I will work to make your experience pleasant by removing the common anxieties most homeowners face.  I will work with you to get your home sold in a timely and efficient manner. 

Now is the perfect time to buy foreclosed Florida property.  Tampa Bay was not as hard hit as some other Florida markets which were overdeveloped.  Foreclosed homes and condos are beginning to appear on the market and at well below market value, though some are in need of extensive repairs.  I have actually seen renovated homes being sold by motvated owners at better overall values than foreclosures.   

When selling, I will personally field every call and schedule appointments to view your property at  your convenience. You will be provided with on-line exposure to home buyers all over the country and even around the world ,as well as an MLS presence that will put your home or condo in front of literally thousands of home buyers to get your home sold at the best possible price.

I will help you sell your home pre-foreclosure, or short sale.  This simply means selling for less than what you owe to avoid foreclosure and protect your credit.  It involves negotiating with your lender and you must meet certain requirements.  Call me for more information on short sales or avoiding foreclosure.  I can get you started right away to relieve the stress and pressure of selling your home.

BUYING?  In today's market, timely information will be the key to your success in finding that perfect home or condo.  Homes and condos still can sell quickly if they are in great shape, in a desirable location and priced right.  Homes and condos do not stay on the market if they are priced correctly.  If you are an active buyer, I will search the MLS daily to keep you informed of any new listings that meet your needs.   

I can also arrange financing for your new home.  Take the time to review mortgage options and interest rates for the financing best suited to your needs.  I work with a wide variety of lenders to provide you with the lowest rates for home loans.  There is no application fee and 24 hour approvals.  Call and apply for a pre-approval today!!               

In your search please note that as your Realtor, I will work to provide you with fast, efficient and courteous service in selling your home or helping you to find homes for sale or waterfront and luxury homes and real estate in the greater Clearwater, FL area including Clearwater Beach, Palm Harbor, St Pete, East Lake, Dunedin, Safety Harbor, Countryside, Tarpon Springs, Oldsmar, Trinity, Odessa, Land O Lakes, Lutz, and the Beaches including Sand Key, Treasure Island, Indian Rocks Beach and Indian Shores.

Don't settle for less.  Call or e-mail me today for a free no obligation CMA market survey right over the phone!  You deserve the best price possible for your home and a smooth transaction with someone who will be with you every step of the way.  Simply provide your name, address and phone number and best time to call.  I'll take care of the rest!!   

Need your house sold tomorrow? Call me today!

Direct @  727-432-3271  e-mail SteveinFL@gmail.com

Charles Rutenberg Realty Inc.

Search Homes at www.trulia.com

Full service Realtor, Serving the greater Clearwater FL area, specializing in foreclosures, waterfront and luxury homes and condos, incuding Clearwater Beach, Sand Key, Countryside, Dunedin, Palm Harbor, Ozona, Oldsmar, Safety Harbor, Tampa, Indian Rocks Beach, Indian Shores, Treasure Island, Oldsmar, East Lake, Odessa, Land O Lakes, Lutz, Trinity, New Port Richey, Pasco, Tarpon Springs, Largo, St Petersburg, St Pete Beach, Pinellas County Florida, USA and Ft. Lauderdale. Golf course, boat slips, retirement communities, Forclosures, pre-foreclosure, short sales, foreclosed properties, Mortgage services, refinancing, refinance, home loans, lending, low rates, and Search MLS, Realtors, real estate, realty, FL, Florida.   

Steve McHugh Charles Rutenberg Realty Inc.

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