Return to flip book view

Message Estate Life of ST AUGUSTINEPresented by Century21 St. Augustine PropertiesWinter 2024/25Living Large With Large Lot Es tate HomesTHE HOME CONDITION EDITIONHOW TO MAXIMIZE YOUR HOME’S SALES VALUES!

Estate Publishing Corp.PublisherCharles ZitsmanInfo@EstatePublishing.org(904) 377-5725Associate PublisherDirk SchroederContent CoordinatorMeeka CookAny content, articles, advertising, or any other submitted materials are not necessarily endorsed by or represent the views of Century 21 St. Augustine Properties or Estate Publishing (EP). SP or EP shall not be responsible for the reliability, suitability or timeliness of any content submitted. All content is done so at the sole discretion of the submitting party. 12-1224© 2024 Estate Publishing. All Rights Reserved.TABLE OF CONTENTS05PREFERRED EXPERT INDEX06SHOULD YOU SELL YOUR HOUSE AS-IS OR MAKE REPAIRS?093 SIGNS YOU NEED A ROOF INSPECTION FOR YOUR OLDER HOME10WHEN YOU’RE READY TO SELL… WILL YOUR HOME BE READY TOO?133 SIGNS YOU NEED TO SCHEDULE A TERMITE INSPECTION FOR YOUR OLDER HOME14MAXIMIZING HOME VALUE: EXPERT TIPS FROM MARC TRIMBOLI AND AARON PETTY16SHOULD YOU SELL YOUR HOUSE OR RENT IT OUT?(904) 797-6000This Issue of ESTATE LIFE MAGAZINE is focused on the CONDITION of your properties. Condition can impact the value of your homes signicantly. We have articles from our Business Sponsors that may be of interest as well and we have used them on many occasions so we hope that you will call them for services.We have seen just about everything when it comes to condition over the 42 years of our Century 21 existence. We are the strongest most experienced real estate franchise in St. Johns County because we’ve not only kept the health and condition of our Brokerage up with the latest changes but because we’ve also been a leader in our profession - having served on Committees and Leadership roles at the National Association of Realtors, Florida Realtors our local Board of Realtors and the Multiple Listing Service, Chamber of Commerce and Economic Development Committee. Staying on top of matters is how you keep your home’s value at peak performance allowing you to achieve top dollar when it comes time to sell. Zillow and others can’t evaluate your home professionally since they have no idea of the condition of your home - they’re not local specialists. Whether you need advice about condition or you need local reliable and affordable vendors to help you maximize the value of your home, this magazine will provide you the contact information for these resources. Wishing everyone a successful 2025. www.c21staug.com904-797-6000WELCOME TO THE “CONDITION EDITION”Dirk Schroeder Gloria Worley Tanya LiebalCENTURY 21 St Augustine Properties4CENTURY 21 St Augustine PropertiesCENTURY21

Preferred Expert IndexCategory Company Contact Phone WebsiteChiropracc Services Pain Relief Centre Sco Fechter 904-823-8833 ChiropractorsStAugusne.comFlood-Mold-Fire-Bio Hazard PuroClean Emergency Services Wayne Terry 904-573-3566 PuroCleanES.comFlooring About Floors n' More Rick Costner 904-361-3508 AboutFloorsnMore.comHome Loans CMG Home Loans Melanie Cruson 206-779-6727 CMGhomeloans.comInsurance First Florida Insurance Norman Sapp 904-342-8115 FirstFloridaInsurance.comLegal Estate Planning Mark E Parsons Ay Mark Parsons 904-826-3445 MarkParsonsLaw.comPest Control Stuarts Pest Control Debi Colee 904-692-2565 CallStuarts.comPharmacy / Drug Store St Johns Community Pharmacy Mark Sco 904-460-1000 StJCP.comReal Estate Services Century 21 St. Augusne Properes Dirk Schroeder 904-797-6000 C21StAug.comRestaurant Raintree Restaurant Lorna McDonald 904-824-7211 RaintreeRestaurant.comRoong Sunshine Roof Services Chuck Pace 904-794-7100 SunshineRoofServices.comSepc, Wells and Electric Flamingo Sepc and Ulies Heather Mullis 904-222-7456 CallFlamingo.comTitle Insurance Land Title of America Steve Collins 904-797-9600 GoLandTitle.comTitle Service Paradise Title Pam Gesell 904-471-2553 ParadiseTitleStAug.comTitle Services Acon Title Craig Herzog 904-797-4777 AconTitleStJohns.com5904-797-6000Century21

SHOULD YOU SELL YOUR HOUSE AS-IS OR MAKE REPAIRS?Contributed by Century 21 St. Augustine PropertiesA recent study from the National Association of Realtors (NAR) shows that most sellers (61%) completed at least minor repairs when selling their house. But sometimes life gets in the way, and that’s just not possible. Maybe that’s why 39% of sellers chose to sell as-is instead (see chart below):If you’re feeling stressed because you don’t have the time, budget, or resources to tackle any repairs or updates, you may be tempted to sell your house as-is, too. But before you decide to go this route, here’s what you need to know.What Does Selling As-Is Really Mean?Selling as-is means you won’t make any repairs before the sale and you won’t negotiate xes after a buyer’s inspection. This sends a signal to potential buyers that what they see is what they get. If you’re eager to sell but money or time is tight, this can be a relief because it’s that much less you’ll have to worry about. But there are a few trade-offs you’ll have to be willing to make. This visual breaks down some of the pros and cons:6CENTURY 21 St Augustine PropertiesCENTURY21

Typically, a home that’s updated sells for more because buyers are often willing to pay a premium for something that’s move-in ready. That’s why you may nd that not as many buyers will look at your house if you sell it in its current condition. And less interest from buyers could mean fewer offers, taking longer to sell, and ultimately, a lower price. While it’s easier for you, the nal sale price might be less than you’d get if you invested in repairs and upgrades.7904-797-6000Century21

That doesn’t mean your house won’t sell – it just means it may not sell for as much as it would in top condition. Here’s the good news, though. In today’s market, as many as 56% of buyers surveyed would be willing to buy a home that needs some work. That’s because affordability is still a challenge, and while there are more homes for sale right now, inventory is lower than the norm. So, you might nd there are a few more buyers who may be willing to take on the work themselves. How an Agent Can HelpSo, how do you ensure that you’re making the right decision for your move? The key is to work with a pro. A good agent will help you weigh your options by showing you what comparable homes in your area have sold for and what updates your neighbors are making and guide you in setting a fair price no matter what you decide. That helps you anticipate what your house may sell for either way – and that can be a key factor in your nal decision.Once you’ve picked which route you’re going to go and the asking price is set, your agent will market your house to maximize its appeal. And if you decide to sell as-is, they’ll call attention to the best features, like the location, size, and more, so it’s easy for buyers to see the potential, not just projects.Bottom LineSelling a home without making any repairs is possible in today’s market, but there are some trade-offs. Let’s have a conversation to ensure you’re considering all your options and making the best choice possible.8CENTURY 21 St Augustine PropertiesCENTURY21

Attention New Homeowners!Attention New Homeowners!Reminder to File for HomesteadExemption by March 31st.Reminder to File for HomesteadExemption by March 31st.100 Southpark Blvd., Suite 100, Saint Augustine, FL 32086 I 904.797.9600 I www.GoLandTitle.com Homestead Fraud Alerts3 SIGNS YOU NEED A ROOF INSPECTION FOR YOUR OLDER HOMEContributed by Chuck Pacetti of Sunshine RoongMaintaining the integrity of your home’s roof is crucial, especially in older structures. Here are three signs that it’s time to call in the experts for a roof inspection:1. Aged or Damaged Shingles: Look for curling, buckling, or missing shingles. Older homes may still have their original roong, which can deteriorate over time. Damaged or aged shingles can lead to leaks and water damage inside your home.2. Leaks or Water Damage: Signs of water damage, such as stains on ceilings or walls, can indicate roof leaks. Regular inspections can catch these issues early, preventing minor leaks from developing into major problems that can compromise your home’s structural integrity.3. Visible Sagging: If sections of your roof are visibly sagging, it might be a sign of structural issues, such as weakened rafters. This is particularly common in older homes where the roof may be under stress from prolonged exposure to harsh weather conditions.Scheduling a professional inspection with Sunshine Roong can help you address these issues promptly. Their expertise in working with older homes ensures that any necessary repairs respect the home’s aesthetic while incorporating modern, energy-efcient materials.9904-797-6000Century21

WHEN YOU’RE READY TO SELL… WILL YOUR HOME BE READY TOO?Contributed by Century 21 St. Augustine PropertiesRegarding real estate transactions, property condition is often a decisive factor in whether a deal moves forward smoothly or falls apart. If you are considering selling your home within the next ve years, now is the time to start planning what type of home you will put on the market. Roofs, plumbing, and A/C are major expenses that are easier to address over a few years than a few weeks when the house is for sale. Planning now may determine if you will offer a top-notch home or a xer-upper.Dirk Schroeder of Century 21 St. Augustine Properties emphasizes how critical inspections are in the process. According to Dirk, “A lot of our transactions are impacted by home inspections. It’s not uncommon for buyers to walk away from a transaction due to the inspection results.”Understanding the “As-Is” ContractA frequent point of confusion for many buyers and sellers is the widely used “as-is” contract. While it might seem straightforward—the buyer accepts the property in its current condition—the reality is more nuanced. Dirk explains, “Buyers instinctively use as-is contracts, believing it allows them to cancel the deal for any reason within the inspection period. However, they often negotiate for concessions based on the inspection results.”Florida’s default as-is contracts include a 15-day inspection period unless otherwise negotiated. Many sellers aim to reduce this window to 7-10 days to avoid prolonged uncertainty. During this time, buyers can inspect the property and decide whether to accept it as-is, cancel the contract, or request repairs or concessions.Four Points of Concern: Roof, Plumbing, Electrical, and ACAmong inspection ndings, the “big four” often dictate outcomes: roof, plumbing, electrical systems, and air conditioning. “When the inspection reveals that one of these main components is compromised or of no longer effective age, insurance issues begin to surface,” Dirk says. “Take the roof, for example; if an inspector reports “excessive granular loss,” one word—‘excessive’—can mean the difference between getting insurance and not. Without insurance, the deal often falls apart. This small detail—the loss of the grain-like material on shingles—could mean the difference between securing a policy or having to replace the roof entirely before the deal can proceed. Sellers can benet from proactive measures like a professional roong inspection, which might reveal manageable issues before the buyer’s inspection brings them to light.”The Benets of Pre-Listing InspectionsDirk recommends pre-listing inspections as a strategic move for sellers. “You could have a roofer inspect the property before listing to address potential concerns and present buyers with professional ndings. This can prevent surprises and streamline negotiations,” he says. Sellers might also consider broader inspections to identify and x issues like plumbing leaks or outdated electrical systems.10CENTURY 21 St Augustine PropertiesCENTURY21

The Importance of Choosing the Right ContractAside from the as-is contract, another commonly used option is the “Florida Realtors and Florida Bar” (FAR/BAR) contract. Unlike the as-is contract, this agreement sets repair limits upfront. Dirk describes it as a more collaborative approach: “If repairs fall under the negotiated limit, the seller addresses them, and the deal proceeds. However, if costs exceed that limit, both parties can negotiate further or cancel the agreement.”Proactive Preparation Pays OffSellers in older communities, particularly in neighborhoods like Prairie Creek and Oak Brook, often face unique challenges related to aging systems in their homes. Many of these properties, built in the 1970s, ‘80s, and ‘90s, feature copper piping prone to leaks or roofs that, even though probably have been replaced once or twice, could still possibly have issues. These aging systems can lead to signicant expenses if not addressed before listing. As Dirk explains, “Addressing these issues before listing 11904-797-6000Century21

can save time and prevent deals from falling apart during inspections.”Realtors specializing in these older, large-lot homes understand the importance of proactive preparation. For example, copper piping, which many homeowners in these neighborhoods are familiar with, often requires complete replacement with CPVC after years of use. This process not only incurs the cost of re-plumbing but also includes the expense of repairing cosmetic drywall work where pipes are rerouted through the attic. Failing to address these issues can result in insurance complications, especially after a claim related to plumbing leaks.Proactive preparation fosters transparency and builds trust with potential buyers. Detailed inspection reports, repair invoices, or certications from trusted professionals demonstrate a seller’s commitment to maintaining the property. Buyers, in turn, gain condence in moving forward with the transaction. “Having specialists evaluate and resolve potential concerns upfront can make all the difference,” Dirk advises, emphasizing the importance of knowledgeable professionals in the plumbing, roong, and construction industries.The Role of ProfessionalsNavigating inspections and contract terms requires experienced professionals. Realtors, roofers, inspectors, and contractors are vital in ensuring smooth transactions. “Some roofers are even willing to defer payment until closing, which can be a win-win for sellers and buyers alike,” says Dirk. He highlights the importance of working with knowledgeable experts who can mediate and keep deals on track, especially when unexpected issues arise. Dirk concludes, “A little planning goes a long way in avoiding surprises and ensuring a successful transaction.”12CENTURY 21 St Augustine PropertiesCENTURY21

3 SIGNS YOU NEED TO SCHEDULE A TERMITE INSPECTION FOR YOUR OLDER HOMEContributed by Debi Colee of Stuart’s Pest ControlOlder homes are often more vulnerable to termite infestations, which can cause severe structural damage if not detected early. Be aware of the following:1. Visible Wood Damage: Termites typically consume wood from the inside out, so any visible signs of deterioration, like crumbling baseboards, sagging oors, or hollow-sounding wood, can indicate a termite presence. In older homes, distinguishing termite damage from general wear is crucial for timely intervention.2. Mud Tubes: These pencil-sized tunnels along exterior walls, wooden beams, or crawl spaces are highway systems for termites. Termites use these tubes to travel between their colony and their food source, your home’s wood.3. Frass or Termite Droppings: Termite droppings resemble sawdust. The appearance of these small, wood-colored pellets near walls or wooden structures often signals an active termite infestation.If you notice any of these signs, acting quickly to protect your home is crucial. Stuart’s Pest Control provides expert inspections, treatments, and ongoing prevention plans tailored to maintain the integrity and aesthetics of older homes.13904-797-6000Century21

MAXIMIZING HOME VALUE: EXPERT TIPS FROM MARC TRIMBOLI AND AARON PETTYHow to Prepare Your Home for Maximum Resale ValueProper planning and strategic investments can make all the difference when it comes to selling your home. Real estate experts Marc Trimboli and Aaron Petty shared their insights on how homeowners can maximize their property’s value before listing it on the market. Here’s a breakdown of their practical advice. Start with the Basics: Roof, Plumbing, and HVAC“The rst thing to address is the mechanical side of everything,” says Marc. “Your roof, plumbing, and electrical systems are critical. If a buyer nds out they’ll need to re-plumb the house after moving in, that’s a major expense right off the bat.”Aaron adds, “Especially for older homes built in the 70s, 80s, or 90s, tackling these essentials ensures your property holds its value. These are the things buyers notice rst.” They emphasize planning ahead as much as possible. Ideally, homeowners should create a three—to ve-year plan for maintenance and upgrades. This allows time to spread out major expenses, such as replacing a roof or updating copper piping. Of course, not everyone has this option; however, maintaining what you can as you go is recommended.Aaron PettyMarc Trimboli14CENTURY 21 St Augustine PropertiesCENTURY21

Leverage Professional Help“Hiring a real estate agent early in the process can make a big difference,” advises Aaron. “A good agent can tour your home, pinpoint where to invest, and help you prioritize upgrades.” The consultation is free. Marc quips, “And we even bring coffee if you put in your order!”Focus on Modern ConvenienceBeyond structural repairs, modernizing your home is essential to appeal to today’s buyers. Kitchens are a key area. “You don’t have to go overboard,” says Aaron. “But updated countertops, appliances, and a fresh look can bring a major return.”Marc shares a story about an open house where buyers dismissed a property because the kitchen lacked soft-close drawers. “It’s the little things,” he notes. “Something as simple as swapping cabinet hinges can make a big difference.”The duo also highlights the growing importance of smart home features. “People look for technology like smart thermostats or Ring doorbells,” explains Aaron. “It shows that the home is up to date.”Don’t Overdo ItWhile updates are important, overspending can backre. “You don’t need the most expensive countertops or luxury items,” cautions Mark. “Focus on making your home modern and functional without breaking the bank.”He recommends smart, cost-effective upgrades. “For instance, professionally painting existing cabinets can save thousands compared to replacing them entirely. Or don’t go for the quartz countertops; instead, go for granite.”Curb Appeal and Neutral DécorWhen selling a home, rst impressions start at the curb. “Curb appeal is the rst thing buyers see, and it sets the tone for their entire visit,” notes Aaron. “Simple upgrades like a well-maintained lawn, fresh landscaping, or even a clean, inviting entryway can make a difference.”Neutral décor inside the home complements curb appeal by creating a cohesive and welcoming feel. “A fresh coat of neutral paint can transform a home,” says Aaron. “Buyers don’t want to deal with repainting. Neutral tones help them imagine their own style in the space.”Flooring is another area where exibility can pay off. Marc suggests offering a ooring allowance, allowing buyers to choose their preferred materials. “It’s a simple perk that avoids hefty price negotiations,” he notes.Plan Early, Sell SmartStarting early gives you the advantage, whether you’re planning to sell in ve years or six months. You can ensure your home stands out by addressing mechanical issues rst and modernizing strategically.As Marc puts it, “Think about what you’d want if you were buying a home. If the big-ticket items are already handled, the rest becomes much easier for potential buyers.”Marc and Aaron’s advice is clear if you’re unsure where to start: “Call a professional, and don’t hesitate to ask for help—it doesn’t cost a thing.”15904-797-6000Century21

MOLD REMOVAL IN OLDER HOMES: PROTECTING YOUR HEALTH AND YOUR PROPERTYContributed by Wayne Terry of Puro-Clean Emergency ServicesMold poses a signicant risk in older homes, particularly in North Florida’s humid climate. Puro Clean Emergency Services specializes in identifying and eradicating mold, which is crucial for both the structural integrity of homes and the health of their residents. Mold can lurk in walls, oors, and ceilings, often undetected until signicant damage occurs. Timely professional intervention can prevent these issues from escalating.SHOULD YOU SELL YOUR HOUSE OR RENT IT OUT?Contributed by C-21 St. Augustine PropertiesWhen you’re ready to move, guring out what to do with your house is a big decision. And today, more homeowners are considering renting their home instead of selling it. Recent data from Zillow shows that about two-thirds (66%) of sellers thought about renting their home before listing, with nearly a third (28%) taking that possibility seriously. Compared to 2021, when fewer than half (47%) of homeowners considered renting before selling, this trend is clearly on the rise.So, should you sell your house and use the money toward your next home or keep it as a rental to build long-term wealth? Let’s walk through some important questions to help you determine the right path for your nancial and lifestyle goals. We use advanced techniques and equipment to detect mold, particularly in hidden areas, ensuring thorough removal. We also focus on moisture control solutions to prevent future mold growth, which is essential in preserving older properties’ longevity and livability. Our services are vital for maintaining air quality, reducing potential health risks such as allergies and respiratory issues, and protecting the home’s value. Puro Clean Emergency Services offers peace of mind for homeowners in older properties with our comprehensive mold remediation services.16CENTURY 21 St Augustine PropertiesCENTURY21

3 SIGNS YOUR OLDER HOME MAY NEED A SEPTIC SYSTEM UPGRADEContributed by Heather Mullis of Flamingo Septic & UtilitiesMaintaining an efcient and environmentally safe septic system is crucial, especially in older homes where systems may not meet modern standards. Here are three signs that your home’s septic system might need an upgrade:1. Frequent Backups or Slow Drains: If you’re experiencing regular backups or slow drains throughout your home, it could indicate that your septic system is no longer functioning efciently. These symptoms suggest that your system may be clogged or nearing its capacity.2. Unpleasant Odors: A healthy septic system should not emit odors. If you notice smells coming from the area of your septic tank or drain eld, your system could malfunction due to leaks, overows, or an imbalance in the bacterial breakdown within the tank.3. Wet Spots: Soggy areas or unusually lush vegetation around the drain eld can indicate that efuent (liquid waste) is surfacing. This situation is not only a potential health hazard but also a sign of a failing drain eld, one of the most critical components of a septic system.Flamingo Septic and Utilities will ensure that your septic system meets current health regulations, protects your property and the environment, and enhances the value and functionality of your older home.Is Your House a Good Fit for Renting?Before you decide what to do, it’s important to consider whether the property would make a good rental in the rst place. For instance, if you’re moving far away, managing ongoing maintenance could become a major hassle. Other factors to consider are whether your neighborhood is ideal for rentals and whether your house needs signicant repairs before it’s ready for tenants.If any of these situations sound familiar, selling might be a more practical choice.Are You Ready for the Realities of Being a Landlord?Managing a rental property involves more than collecting monthly rent. It’s a commitment that can be time-consuming and challenging.For example, you may get maintenance calls at all hours of the day or discover damage that needs to be repaired before a new tenant moves in. There’s also the risk of tenants missing payments or breaking their lease, which can add unexpected stress and nancial strain. As Redn notes: “Landlords must x things like broken pipes, defunct HVAC systems, and structural damage, among other essential repairs. If you don’t have a few thousand dollars on hand to take care of these repairs, you could end up in a bind.”Do You Understand the Costs?If you’re considering renting primarily for passive income, remember, that there are additional 17904-797-6000Century21

costs you should anticipate. As an article from Bankrate explains:Mortgage and Property Taxes: You still need to pay these expenses, even if the rent doesn’t cover them all.Insurance: Landlord insurance typically costs about 25% more than regular home insurance, and it’s necessary to cover damages and injuries.Maintenance and Repairs: Plan to spend at least 1% of the home’s value annually on maintenance and repairs, more if the house is older.Finding a Tenant: This involves advertising costs and potentially paying for background checks.Vacancies: If the property sits empty between tenants, you’ll lose rental income and have to cover the cost of the mortgage until you nd a new tenant.Management and HOA Fees: A property manager can ease the burden, but typically charges about 10% of the rent. HOA fees are an additional cost, too, if applicable.Bottom LineTo sum it all up, selling or renting out your home is a personal decision. Let’s connect so you have a pro on your side to help you feel supported and informed as you make your decision.18CENTURY 21 St Augustine PropertiesCENTURY21

Winter 2024/25Estate Life of ST AUGUSTINEPam Gesell – Licensed Title AgentKim Collins – Licensed Title AgentChristina Guyette – Licensed Title AgentKayla Beaver – Settlement AgentSuzanne Gonzalez - AdministratorMorton Manassaram- Owner2225 A1A South, Suite C8 St. Augustine, FL 32080701 Market Street, Suite 111, Saint Augustine, Florida 32095www.paradisetitelstaug.com904-471-2553BUYING, SELLING OR REFINANCING?For all your commercial and residential title needs.• Professionalism• Accuracy• Problem SolvingSIMPLY THE BEST!