Pinellas County Florida Real Estate

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2009 First-Time Home Buyer Tax Credit Facts Who is Eligible
The $8,000 tax credit is available for first-time home buyers only.
A first-time home buyer is a buyer who has not owned a principal residence during the three-year period prior to the purchase.
All U.S. citizens who file taxes are eligible to participate in the program.
The tax credit is a true credit. It does not have to be repaid.
The only repayment requirement is if the home owner sold the home within three years after the purchase.

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Information from the National Association of REALTORS®. Price declines over the past year have made this the best time to buy. The inventory of homes for sale gives buyers incredible selection. The number of homes for sale is greater than it has been in 15 years. The current favorable market conditions may not last much longer. Research shows that prices are beginning to stabilize. Mortgage rates are near all-time lows. Capturing these low rates now means your monthly payments are lower and much more affordable Recent voter approval of Amendment 1 allows Florida homeowners to transfer their “Save Our Homes” tax benefit from their old home to a newly purchased home. Upsizing or downsizing, this is the best time to buy. *Information courtesy of the National Association of REALTORS®. Real estate continues to be a great financial investment. The average return on a five percent down payment over 10 years is usually three to five times greater than stock market returns

Some properties shown do not need flood insurance. Contact us for info Free Consultations for Buyers or Sellers 727-399-1347
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Charles Rutenberg Realty, Inc. 1545 S. Belcher Rd. Clwtr Florida 33764
Contact The Top Team and Max Kuzmicz Anytime Phone 727-399-1347

Many people shop for real estate based on the monthly mortgage payment they can afford.
U.S. houses are more affordable today. Since last year at this time, the change has been huge. The mortgage payment on the typical home is now is 20% less expensive than it was a year ago. Last year, the median U.S. home would have cost about $230,000, with approximately 7% in interest on the mortgage. With a 20% down payment that makes it a $1,200 monthly mortgage payment. Today, the median price for a home is $200,000 which is a $30,000 difference from last year and the mortgage rates are down to 6%. Between the lower price and the lower mortgage rate, you'd be paying less than $1,000 a month on your mortgage now for the same house that would have cost you $1,200 last year.

The first charted maps were created in 1765 by a Spanish Naval Officer, named Jose Jimenez. He referred to the area as "point of pines". This peninsula in florida is surrounded on three sides by the waters of the Gulf of Mexico and Tampa Bay.

Info on all the IDX listings shown IDX information is provided exclusively for consumer’s personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that the data is deemed reliable but is not guaranteed accurate by the MLS. The data relating to property for sale on this web site comes in part from the Broker Reciprocity Program of (PSAR). Listings held by brokerage firms other than Charles Rutenburg Realty, Inc. are marked with the Broker Reciprocity logo. All information deemed reliable but not guaranteed. All property is subject to prior sale, change or withdrawal. ©PSAR®. All rights reserved.

Consult with us and do your research on Florida Flood Insurance and Flood Zones
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County Flood Insurance and Risk Info In 2002, the Florida Legislature passed a law that combined the Florida Residential Property and Casualty Joint Underwriting Association (FRPCJUA) and the Florida Windstorm Underwriting Association (FWUA). This resulted in the creation of Citizens Property insurance Corporation (Citizens), which more efficiently and effectively provides insurance to, and serves the needs of homeowners in high-risk areas and others who cannot find coverage in the open, private insurance market. Web Site http://www.citizensfla.com/gen_info.asp

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