On the Market- June 2017

On theA Real Market Estate Section FEATURED HOME 18 Calle Hermosa

Island Life Luxury page 69

In This Section By the Numbers: A Look at April's Market Highlights page 70 Credit Union Mortgages: Simple, Local and Low Cost page 74 Five Green Home Improvements That Can Sell Your Home For More page 76

Neighborhood Profile: East Hill page 78 Last-Minute Cleaning Tasks to do Before Every Showing page 82 Top Six Home Decorating Trends page 86

pensacola magazine | 67

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On the Market Featured home

Island Life Luxury LIFE DOESN’T GET MUCH BETTER THAN WAKING UP TO THE SWEEPING VIEWS OF THE GULF OF MEXICO AT THIS MONTH’S FEATURED HOME ON PENSACOLA BEACH. A beach lover’s dream home, 18 Calle Hermosa combines luxury living with the easy, breezy island lifestyle and provides a picture perfect backdrop for a life well lived.

Located in the exclusive Calle Hermosa subdivision, the three-story Mediterranean style home boasts an impressive 6,200 square feet, stunning waterfront views, luxurious finishes, a private walkway to the Gulf of Mexico, and an abundance of natural light and outdoor spaces—complete with palms and greenery.

The open floor plan allows the perfect flow for entertaining groups both large and small. The kitchen, living room, den, master bedroom and

18 CALLE HERMOSA

6,200 SQFT. | 4 BEDROOMS | 4 BATHS | YEAR BUILT: 2007 | GULF VIEWS BALCONIES | ELEVATOR | CHEF’S KITCHEN guest bedroom each open up to the spacious veranda, which overlooks the white sandy beach and emerald green water and provides the perfect spot for morning coffee and evening cocktails.

Foodies will love the large chef’s kitchen, which features double Thermador stainless steel ovens, a stainless gas range, a large Frigidaire double door refrigerator, a Bosch dishwasher, and a walk-in pantry.

Custom cabinets provide plenty of storage while granite countertops and a large island offer plenty of prep space.

Watch dolphins play from the casual eat-in kitchen space or go all out with a five-course meal in the formal dining area, which is conveniently connected to the kitchen. Sparkling, ornate

chandeliers hang above both dining spaces.

The living room features marble floors, built-in custom cabinetry, stately columns and a grand fireplace with an intricately designed mantle. A more casual living area includes a wet bar and plenty of space to get comfy for movie nights. The main living area also includes an executive study with rich cherry paneling and built-in cabinetry.

The stunning master suite is upstairs and boasts a fireplace, oversized chandelier, steam shower and private balcony. It is accompanied by three guest bedrooms. An elevator carries passengers from the oversized garage to the third level. The garage offers plenty of room for a boat, kayaks and vehicles.

With over 6,000 square feet of living space, there is plenty of room for family and friends to enjoy time together as well as some private spaces to read a book or watch the waves roll in.

Now under contract! This home didn’t last long on the market. Call Sherlyn to help you buy or sell your piece of paradise.

CONTACT Sherlyn Waghalter Broker/Owner

850.449.4242 DiscoverNorthwestFlorida.com

pensacola magazine | 69

BY The NUMBERS

alookatapril'sMarketHighlights

Market Highlights While down slightly from March, April sales outperformedsalesforthe same month since, and including, 2012.

SOLD!

815

180K

585 525 485

450

MEDIAN SALE PRICE (Apr)

500k +

300k – 499K

200k – 299k

160k – 199K

325

0 – 99k 100k – 159K

The Pensacola Real Estate market is hot.

Sales numbers are up and the number of days houses stay on the market is down. The average sales price is the highest it’s been in nearly a decade, which makes now a great time to consider putting your home on the market.

Single Family Inventory by Price (Apr)

Median sales price for April hit a new high water mark, and were just shy of $180,000.

At 77, April's Days on the Market (DOM) were the lowestrecordedsince,and including, 2012.

Therewerejust18shortsale listingsininventoryforApril.

88

Approx. days on the Market (Jan–Apr)

Jan 500

Feb 550

Mar 800

Apr 750

Monthly Sales Information courtesy of Pensacola Association of Realtors

70 | pensacola magazine

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REAL ESTATE EXPERTS

Many Neighborhoods And Pricing Segments Are Experiencing Multiple Offers, Forcing Sales Price Above List Price

What is currently the biggest challenge facing the Greater Pensacola real estate market?

This is an excellent question because real estate markets are Bruce Baker, MBA dynamic, local and hyperlocal. It is susceptible to many factors that are constantly changing.

Currently, we are facing a challenge both locally and nationally to find inventory for buyers. There are a few influencing factors: 1. More buyers are entering the market.

Millennials are leaving the comfort of their parents’ homes and entering the market as homebuyers.

2. More single person households—Per a 2015 New York Times article, since 1960 the singleperson household rate has doubled to 25 percent.

3. Fewer sellers are upside down. Nationally, according to Daren Blomquist, vice president of communications at Attom Data Solutions, that number is at 9.7% for Q1 2017, down from nearly 20 percent in 2012. But until we educate those sellers on the current state of the market, they feel like they need to stay put to build more equity.

72 | pensacola magazine

4. The other side of that coin is sellers that wish to move, are concerned with finding desirable properties in a low-inventory market.

5. Fewer are physically moving for job transfers.

Technology is permitting people to work remotely, allowing people stay in their current home longer.

The local market mirrors the national market.

Currently the actively for sale residential inventory for both Escambia and Santa Rosa combined sits at approximately 2600. Further, buyer demand for the past 60 days is averaging 776 per month, meaning we have roughly a three-month inventory across all residential segments.

Zooming further into the hyperlocal market, many neighborhoods and pricing segments are experiencing multiple offers forcing sales price above list price. The challenge in some of these segments is appraisal values are lagging behind market value, helping to hold back unrestrained pricing increases.

fashion to come to terms/beat out other buyers. It’s also imperative they come to the table with lender pre-approval and/or proof of cash funds needed for closing. Don’t wait until the house is found to talk to a lender.

In any market but, particularly a Buyer or Seller market, many make the mistake of going at it alone when they need a professional who works daily within the local market. Finally, frustrated buyers should take heart that markets always swing between Buyer and Seller markets; a fact Sellers should keep in check as they decide on the best time to sell.

To submit a question or for more information contact Bruce Baker, MBA at 850.449.0365, Bruce@BruceBakerMBA.com or Kathy Batterton at 850.377.7735, Kathy@KathyBatterton.com.

AskPensacolaRealEstateExperts@gmail.com

What does all of this mean to potential Buyers and Sellers?

Sellers need education about the current state of their equity, which in general has come back strong over the past five years. This education may include conversations in combination with accountants, financial planners and Realtors to help homeowners best understand their equity and financial position.

Buyers must understand that in a Seller market time, they have to make strong offers in a timely

Kathy Batterton

The Gulf Coast’s Premier Real Estate Team

conna@connaodonovanteam.com C- 850.232.4001 O- 850.932.4102

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pensacola magazine | 73

Credit Union Mortgages Simple, Local and Low Cost

So,you’ve foundyour dream home and can’twaitto make an offer and move in.Ifyou’relikemostofus,theonly waytomakethisdreamcometrueistogetamortgageloan.You’ll needamortgagelenderyoucantrustandonethatwillputyourinterest first.Whileyoumaythinkheadingdowntoyourbankisthebestoption, here’s why you should consider visiting a credit union instead.

Credit unions are not-for-profit, member owned cooperatives that provide all the services of other financial institutions including mortgage loans. In fact, credit unions often provide simple mortgage loan alternatives, local service and lower costs.

Though “simple” and “mortgages” don’t seem to go together, most credit union mortgage lenders will sit down and discuss the details of the mortgage process in terms that can be understood. Mortgage terminology such as points, origination fees, title insurance and appraisals will all become clear as your credit union lender takes you through your mortgage application. Applying for a credit union mortgage can be a much simpler process than you might think.

Most credit unions are managed locally by people who live and work in the community and most credit decisions are made locally too.

Sometimes that can make all the difference when getting an approval on a mortgage loan. After the loan is made, a majority of the loans are kept “in house” and not sold off to a financial institution in a large city hundreds of miles away. This allows you to stay close to your investments and close to the people managing them.

Credit unions are also known for their low fees. While banks often charge high fees for checking accounts and credit cards, credit unions don’t. Credit union mortgage loans are often lower in fees as well, and in some cases, no discount points or origination fees are the standard on mortgage loans.

74 | pensacola magazine

Most offer purchase and refinance options on conventional, FHA, VA, construction loans and vacant land loans.

Putting members first and serving their needs is a difference credit unions can offer potential mortgage borrowers. Whether you are looking to build a home, purchase your first home or refinance an existing home, you should include a local credit union in your search for a mortgage lender.

Search local credit unions on-line or contact them in person to see whether you meet the criteria to join. You may just get approved for a simple, local, low cost mortgage loan.

Credit Union Mortgage Loan Tips • • • • • •

Start saving early for a down payment and costs associated with getting a mortgage Create a budget that will support a new mortgage payment and other expenses Establish a good credit history Organize financial records including pay stubs for starting the application process Visit your local credit union to discuss mortgage options and to get pre-approved Talk with a Realtor to determine market conditions and homes in your price range

Written by Members First Credit Union of Florida Mortgage Team Doug Zepp – Vice President of Member Services Maria Reid – Mortgage Specialist Mary Wade – Mortgage Loan Processor/Loan Officer

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5

GREEN HOME

IMPROVEMENTS THATCANSELLYOURHOMEFORMORE

Demandremainshighforenergy-efficient,eco-friendlyhomefeatures, accordingtoasurveybytheNationalAssociationofHomeBuilders.Infact, themajorityofbuildersnowputenergy-efficientwindows,heatingandcooling systems,thermostatsandappliancesintheirconstruction,thesurveysays.If you'resellingyourhomeandhopetocompetewithnewconstruction—aswell assetyourhouseapartfromotherresales—makinggreenimprovementscould significantly pay off.

"Updating your home with green features can attract more buyers and even increase your home's sale price," says Geoff Lewis, president of RE/ MAX, LLC. "Buyers are not only looking for cosmetic upgrades, they also want improvements that will help save them money for as long as they live in the home."

Some green projects you can easily accomplish yourself, like replacing less efficient light bulbs with compact fluorescent light bulbs or LEDs throughout the house, or installing a programmable thermostat. Other improvements may require professional expertise but can result in even bigger payoffs.

Here are five popular green home improvements that could help boost your home's resale value, and save you money until you're ready to sell:

Windows Replacing older windows with ENERGY STARrated high-efficiency windows could lower your annual energy bill as much as 12 percent, 76 | pensacola magazine

according to the United States Department of Energy. What's more, ENERGY STAR-rated windows may qualify for a tax credit of 10 percent off the cost of the windows.

Insulation Most homes in the U.S. don't have enough insulation, according to energystar.gov. Adding insulation and sealing air leaks could reduce annual energy bills by 10 percent. At the time of resale, adding fiberglass insulation in the attic could recoup 107 percent of the cost, according to Remodeling Magazine's Cost vs. Value report.

Front door It's a key part of your home's curb appeal and the last exterior feature homebuyers see before entering your house. However, a front door needs to do more than look good. Replacing an older, wooden door with an energy-efficient, secure steel door recoups more than 90 percent of its cost when you sell your home, according to the Cost vs. Value report.

Landscaping With warm weather approaching, it's a great time to think about landscaping that has green value as well as cosmetic appeal. Adding trees in addition to flowers can provide shade that will help keep the home's interior cooler in summer months.

In fact, according to the National Association of Landscape professionals, planting five shade trees can return up to 100 percent of the project cost when you sell your home.

Water Most water heaters last about 10 years, so if your home is older, a new water heater could be a big selling point. A tankless water heater could be even more appealing; because they only heat water when it's needed, rather than consume energy to hold gallons of water at a set temperature for hours, tankless water heaters use far less energy.

ENERGY STAR says a tankless water heater could save you up to $1,800 over its usable life which is twice as long as the lifespan of traditional tank water heaters.

When you're thinking of selling your home, you'll probably invest a lot of time and energy into staging. Consider saving some additional budget for energy-efficient home improvements that may help boost your home's value. A knowledgeable real estate agent can advise you on which green home improvements can get you the biggest return on investment.

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NEIGHBORHOOD SPOTLIGHT EASTHILL bytanneryea When looking for a new home tobuyorrent,manylooktowardsnew and expanding areas of town, such as downtown or near the UWF campus.

However,manypeoplearealsolooking togobacktotheclassics—aglimpseof thepastthatmesheswithmodernliving.

Thatiswhythismonth’sNeighborhood Spotlight focuses on East Hill.With its distinctcharm,proximitytodowntown, cozy attitude and reasonable prices, East Hill continues togrow into a must for both the new homebuyer and the experienced veteran.

History of the Neighborhood The history of the East Hill neighborhood can be traced back to the original founding of the city. When Pensacola was first colonized, it was only about a mile-long stretch along the Pensacola Bay coast. Explorers noticed that to their north rose two ‘heights’—which they dubbed East Hill and North Hill.

Properties of settlers in East Hill have been traced back to the 1860s, to when the first original tracts of land within the neighborhood. East Hill—and Pensacola in general—very much started to explode population-wise around this time due to a boom in the yellow pine lumber industry.

Compounded with this boom, the original Pensacola and Atlantic Railroad was built in the 1880s. Laborers for the railroad needed affordable housing near the railway, and that started to bring a lot of blue-collar workers to settle in East Hill.

78 | pensacola magazine

By 1896, East Hill was already densely populated with a range of income brackets.

Back then, the northeast section of the neighborhood saw upper class houses or manors spring up, while the rest of the neighborhood remained mostly working class.

In the 1920s, East Hill settled more-or-less into its current form in terms of streets and divisions, and has only continued to grow since.

Properties and Prices The boundaries of East Hill are often up for debate. The East Hill Neighborhood Association defines the borders from Bayou Texar to Ninth Avenue, and between Lakeview and Belmont Streets. However, residents will say it extends further west and north, or they’ll exclude some ‘proper’ streets altogether. Zillow, a popular real estate app, considers East Hill to extend all the way up to Fairfield Drive.

Properties in East Hill can vary drastically in price. According to Bryan Baars, a broker associate at Gunther Properties, the average price is around $263k, but can fluctuate.

Along Bayou Texar, however, you can find homes that are selling for between one to two million. Most homes are between 1500 and 2500 square feet, and they average three bedrooms and two bathrooms. Since many homes date back to the 20s and 40s, you’ll find a lot of classic architecture and a broad variety of styles in the homes. Many still have original hardwood floors, 9-foot ceilings and small lots for minimal lawn care. For those who want to rent, the monthly average is around $1,200 for a 2/2.

Traffic throughout East Hill is light and the speed limit is 35 mph on most streets.

However, Cervantes can get quite congested around rush hour. That said, the neighborhood is well paved and suitable for either walking

a perfect place to pick up some last minute meal supplies or to do some everyday shopping. For more local and homegrown groceries, visit the Apple Market for a local alternative to big brands.

or biking to navigate the area. Utilities in the neighborhood are similar to those throughout Pensacola—Gulf Power for electricity, the ECUA for water and garbage, and either AT&T, Cox or DirecTV for internet and cable providers.

Local Attractions East Hill contains multiple school options for younger children. The local elementary school of choice is NB Cook Elementary School on 1310 N 12th Ave. There are also a few Christian schools, including East Hill Christian School, Sacred Heart Cathedral School and Lighthouse Private Christian Academy. There are more liberal arts options too, including Pensacola Private School of Liberal Arts, The Montessori School of Pensacola and the Jackie Harris Preparatory Academy.

For outside activities, East Hill contains an abundance of green spaces, parks and playgrounds. On Bayou Texar is the expansive

Pfeiffer Residence, Built 1904 Sw. Corner Of Gadsden & 12Th Ave. Photograph Circa 1909 Bayview Park, which contains a large playground, picnic tables in covered areas, a senior center, a dog beach and dog park, kayak rentals and much more.

East Hill is also home to a handful of restaurants and bars. Check out the old Sacred Heart Hospital building for O’Zone Pizza Pub's casual eats or the more formal Vineyard for more Al Fresco dining. For wine tastings and delicious fare visit City Grocery on 12th Avenue. Off 9th Avenue is Bonelli’s Italian Restaurant, and along Cervantes is the decadent Pot Roast & Pinot. There is also East Hill Grocery for deli-style eats, and a large variety of fast food options.

For grocery stores, a recently opened Publix is located in the heart of East Hill and is

One of the biggest draws to East Hill is its proximity to downtown without all the hustle and bustle of a more urban neighborhood. Either a short drive or bike ride can bring you to the Blue Wahoo Stadium, Pensacola Bay Brewery, Vinyl Music Hall and a whole host of other nightlife and events in our evergrowing downtown district. It’s also a short drive to the Pensacola Bay Bridge, meaning an easy day trip to Pensacola Beach to enjoy our trademark sugar-white sands.

Summary East Hill is a diverse, vibrant and quiet neighborhood that has managed to stand the test of time. Whether you are a young professional, a family starting to put down roots, or even someone looking to retire, East Hill has all the amenities you could want and more. It’s no surprise that so many houses have the distinct ‘I Love Living In East Hill’ signs planted in the front yard.

For more information on East Hill and the surrounding areas, visit the East Hill Neighborhood Association at myeasthill.org or speak to your realtor to see what makes East Hill stand out. pensacola magazine | 79

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pensacola magazine | 81

Last-Minute Cleaning Tasks To Do Before Every Showing Real estate experts agree: dirt andclutteraretheanti-staging elementsthatcansendbuyers runningforthedoorbeforethey ever think of making an offer.

Priortostagingyourhome,invest some time in deep cleaning it, payingattentiontoeverything from the front walk to the garbagedisposaltotheairinside your home.

Once you’ve created a clean foundation, follow through with these quick cleaning tasks before showings:

1. Sweep in front of the house.

A pot of flowers on the front step is great, but they won’t look that welcoming if dirt and debris are visible too. Thoroughly sweep front walks, stairs and entryways, and don’t forget to clear cobwebs above the door. Put away any children’s toys or gardening tools that may be in the front yard. Hide trash and recycling containers out of sight.

2. Freshen the aromas inside.

Pet and cooking smells are major turnoffs for home buyers, but even if your house has neither, freshening the indoor scent can have a positive effect on a buyer’s mood. However, you don’t want to saturate your home in overpowering, chemical-based scents, either.

To deodorize more naturally, try cleaning with essential oils. Mix 2 teaspoons of Aura Cacia Main Squeeze Essential Oil Blend, 1 3/4 cups of water, 1/2 teaspoon of Borax and 1/4 teaspoon of unscented liquid soap in a 16-ounce bottle. Before a showing, use the mixture to wipe down kitchen counters, leaving behind clean countertops and a fresh, energizing citrus scent.

3. Speed clean the kitchen.

Now that your counters are clutter-free, 82 | pensacola magazine

sparkling and smelling good, just a few more tasks will get your kitchen ready to show.

Wipe away any fingerprints on appliances, and put away all pots, pans, dishes and glassware in their proper place. Store pet bowls out of sight, give the floor a quick sweep and dry the interior of the sink with a paper towel.

4. Put your best foot forward in the bath.

It’s tough but critical to keep the most-used room in the house looking its best. You probably used your bathroom to get ready this morning, so wipe down surfaces to ensure no hair or debris lingers. Check the mirror for spots and wipe and dry the sink. If the bathtub or shower door show signs of recent use, dry them off. Store used soap, shampoo, scrubbies, loofahs, wash cloths and towels out of sight.

5. Clean carpets.

Nothing says “show home” like fresh vacuum tracks in the carpet! Just before you leave the

house for a showing, give carpets a quick pass with the vacuum. Before you do your other last-minute cleaning tasks, mix 1 teaspoon of Aura Cacia Petal Power Essential Oil Blend with a cup of baking soda and sprinkle on carpets. After 10 minutes, vacuum away the powder and leave a light, refreshing floral scent behind.

6. Take out the trash.

Go through every room with a trash can and make sure it’s empty. It may not seem rational, but many buyers will equate trash in a waste basket with an untidy home. It’s especially important to empty trash that may stink, such as in the kitchen. Remove trash, store it in a sealed receptacle outside the house, and give potentially stinky trash cans a refreshing shot of sweet basil and lavender aroma with a DIY garbage pail pod.

pensacola magazine | 83

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Top 6 Home Decorating Trends If you’re planning to tackle a home decorating project this year, here are the top trends you should consider.

1. Marble wallpaper: A lot of the 2017 trends are about going back to classic styles, and it doesn’t get much more classic than marble.

Few materials evoke high-end living as simply and effectively as marble, a global symbol of refined taste and sophistication.

Marble was a big trend in 2016, and it looks like it’s here to stay. With faux-effect materials and faux-marble wallpapers such as this beauty from Murals Your Way growing in popularity, you can count on the soft, subdued design to be a top pick for accent walls, powder rooms, kitchens and more. It’s a seriously impressive way to dress up your walls!

2. Deep blues: Though black has long been a decorating darling, designers are now recruiting deep blues for their go-to power hue. It’s a bit more approachable than pure black, and it has a lovely nautical vibe when used in conjunction with materials like rope, brass and wood. Navy velvet couches are a popular way to incorporate the color into your home. And if you want to keep your space light, wallpaper with blue accents is a great solution. Whether you go for indigo, cobalt, navy or some other blue hue, a dramatic, deep blue color will add interest to your space.

3. Acrylic everything: Acrylic was a trend that picked up steam in 2016 and will keep going strong this year. Because most acrylic is clear, it works with almost any type of design style or color scheme. Acrylic furniture pieces and accessories have been around for years, but they primarily came in very modern shapes that wouldn’t work well in a more traditional home. All of that has changed, and now you can find the best of both worlds with this more modern material being used in furniture with traditional designs. Bring 86 | pensacola magazine

acrylic into your space by choosing a larger piece, such as this coffee table from Wisteria, or simply use smaller accessories, such as an acrylic floating frame. Whether it’s a coffee table or floating frame, acrylic accents and accessories are this year’s clear favorite for adding a gleaming finish to a space.

managing to work with warm wood tones.

Greenery is an attention-grabbing color, and it can be used to add pop and contrast to the overall interior. The earthy tone is a welcome complement to some of the more neutral hues that have gained prominence in the past year.

4. Farmhouse chic: Reclaimed wood, aged metals and distressed details are showing up everywhere in interior design and are not going anywhere in 2017. Farmhouse chic decor is a spin on the classic farmhouse style with an added soft elegance. Classic shapes, rustic simplicity and natural materials celebrate country-inspired charm, while soft and cozy neutrals evoke a luxurious and chic style.

6. Forget hygge: This year is all about lagom: The year 2016 was about reaching the highest level of coziness and comfort, an outlook encapsulated by the Danish term hygge (pronounced hoo-ga).

Now there’s an even more sustainable and enjoyable lifestyle we’ll all be wanting in 2017: lagom. It’s a simple Swedish philosophy on everyday life that means “just the right amount.”

The lagom home strikes the perfect balance between minimalism and cluttered, resulting in a clean, calm space that is also warm and inviting. This Swedish concept of “not too much, not too little” may just dominate in 2017.

5. Greenery: Named the 2017 Pantone color of the year, greenery is meant to represent refreshment, revitalization and our connection to nature. It seems to be an instant hit for those looking for a backto-nature hue that brings zest while still

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