On The Market, August 2018

On the Market A Real Estate Section

Smart home gadgets give customers power over their energy use

In This Section

Page 70

By the Numbers: A Look at June’s Market Highlights page 58

Good News from the Escambia County Housing Authority page 66

Bring New Life to Your Kitchen with Color page 62

Create an accessible lifestyle page 68

Pensacola Magazine

57

BY The NUMBERS a look at JUNE’S Market Highlights

1000 65

Monthly Sales

Avg. Days on Market

2700 $207k

Quarterly Sales

Median Sale Price

Market Highlights June sales were five percent over May’s and eight percent over the same month last year.

Second Quarter sales were 11 percent over the same period in 2017. At the midyear point, sales are up eight percent compared to the same period last year.

Information courtesy of Pensacola Association of Realtors

58 Pensacola Magazine

Median sale price for June soared above the $200k mark, settling at $207,125.

Average days on market (DOM) slipped one more day to 65, the new low for the year.

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94 Chanteclaire Circle

Northeast Pensacola

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4 bedrooms- 4 baths w/bonus room 4303 sq ft Includes pool and enclosure MLS 532048 $989,000

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Gulf Breeze

1615 Bay Mist Dr. $527,000 | MLS# 537802

Cantonment

3163 Byron Place $329,900 | MLS# 539119

Meticulously maintained custom home in Paradise Bay. 5 Bedrooms, 3.5 Baths. 3698 sq.ft. located on a very private .78 acre lot. 10’ ceilings, crown molding, hardwood floors. Formal dining, 2 family rooms, fireplace, upper and lower decks, Open floor plan with a dream kitchen, granite, gas cooktop, double ovens. Office and Bonus room that could be converted into a Mother-in-law or home business.

Open and spacious beautiful brick home. 4 bedroom, 3 bath, walk-in closets in 3 of 4 bedrooms. 14 ft. double tray ceiling in living, 9 ft. ceiling in bedrooms. Tile and Hand-scraped acacia flooring. Corian and marble countertops. Formal dining, office, gas fireplace, large covered porch with stone flooring. Office includes built-ins. Cat 5 and cable everywhere, including porch and garage. Private nature walking trail.

Nancy Grogan • 850.377.7578 • nancy.grogan@penfedrealty.com

Randall Graves • 850-516-6763 • randallsellspensacola@gmail.com

Pensacola

305 Port Royal Way $675,000 | MLS# 538015

Pensacola

3413 Chantarene Dr. $1,275,000 | MLS# 537454

Million Dollar Views! Luxurious custom-remodeled Port Royal 3BR/2BA condo converted to a 2BR/2BA open concept with sweeping outdoor views overlooking Pensacola Bay, the waterfront marina and the Blue Wahoo’s stadium. This exceptional condo has 2112 square feet of space and an expansive 216 sq. ft. outdoor deck to enjoy viewing the boats go by, watching Friday night fireworks, and listening to the free concerts at Maritime Park.

Your Ticket to Paradise is waiting for you in Chantarene, a Quiet Sophisticated Coastal Village located on Pensacola Bay off of Country Club Road with Spectacular Sun Rises & Sun Sets.

3413 is a jewel with private waterfront lot (separate parcel included with sale) that allows you access to the Bay via the stairway...a covered walkway leads to an open waterside patio where you can watch the Blue Angels fly over for their practices or the perfect spot for a garden party or wine time with friends.

Frasier Phelps • 850.485.2665 • jfpii@bellsouth.com

Linda Turner • 850.324.4235 • linda.turner@penfedrealty.com

On the Market

Bring New Life to Your Kitchen with Color Just as filling your plate with colorful foods is typically good for your body, filling your kitchen with color can be good for the soul. In fact, color is an important element in interior design not only for its aesthetic value, but also because it can shape perceptions and emotions.

“Color is powerful – when you walk into a room, you can instantly feel its subconscious effect on your mood, your heart rate and even your appetite,” said color trend expert Janice Fedak. “That’s why it’s important to choose colors that ‘speak to you,’ express your unique personality and truly make you feel at home.”

The experts at Elmira Stove Works offer these design tips, which take into consideration the psychology of some of the most popular colors for the kitchen.

Red A strong, vibrant color, red is often associated with passion, pride and strength. In the kitchen, bold pops of red can command attention.

Red is a perfect hue for appliances – both large and small – and also works well in a patterned backsplash or on decorative items such as canisters and cookware. Consider red “crystal” grout instead of traditional white grout for tile to create an unexpected look.

White Associated with clarity, cleanliness and purity, this “non-hue” promotes a sense of order and can provide the ideal backdrop for other colors and design elements. For a streamlined kitchen, pair white countertops with a white tiled backsplash and cabinetry. For a more relaxed but still fresh look, introduce a few colorful kitchen accessories or paint an accent wall in your favorite hue.

62 Pensacola Magazine

Blue Soothing, calm and reminiscent of the sea and the sky, blue evokes feelings of health and wellbeing. Adding this naturally relaxing hue to the kitchen, which is often the busiest room in the home, can transform the space into your own personal retreat.

One way to bring blue into the kitchen is through 1950s-inspired appliances from Elmira Stove Works in Beach Blue, a hue that takes its cue from days spent lazing by the pool or at the seashore. From refrigerators and ranges to microwaves and dishwasher panels, retro appliances can bring a fun, welcoming vibe to kitchens.

“Color – whether bold or on the subtler side – can really make a kitchen come alive,” said Tony Dowling, vice president, Elmira Stove Works. “Appliances are a great way to introduce color while also creating the foundation for the rest of the space.”

Yellow One of the happiest colors on the spectrum, yellow is a lively hue that represents youthfulness and joy. It can inspire reflection and creativity, lift spirits and encourage optimism. Use yellow in your kitchen to bathe it in year-round “sunshine,” especially if your kitchen doesn’t get a lot of natural light or could use an extra dose of warmth and cheer.

Black Although it has a reputation for darkness and mystery, black is also associated with sophistication. Think of a black-tie affair, where the dramatic attire and decor create an upscale atmosphere. Black design elements can lend that same sense of elegance to your kitchen. Appliances are commonly available in black, but you can also incorporate black through tilework, granite or marble countertops, or an eye-catching porcelain or soapstone sink.

“Whatever colors you choose for your kitchen, the most important thing is to trust your intuition and to wrap your kitchen in hues that make you feel good,” Fedak said.

Explore more colorful ideas for your kitchen at elmirastoveworks.com.

It’s time for your Energy Checkup.

Get your free Energy Checkup and receive personalized recommendations and tips on how you can save money and energy.

Visit MyGulfPower.com/EnergyCheckup

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On the Market

Good News from the Escambia County Housing Finance Authority

By Pat Lott

T

he Escambia County Housing Finance Authority serves the counties of Escambia, Santa Rosa, Okaloosa, Bay and Walton, along with fourteen other Florida Counties by offering Homeownership Programs to first-time homebuyers, veterans and former homeowners (who have not owned a home for three years or more). These programs provide low interest home mortgage loans together with down payment and closing cost assistance for qualified borrowers earning not more than applicable program limits.

For the past couple of years, our down payment assistance to our borrowers has been a zero percent interest rate second mortgage loan of up to $7,500 that does not have to be repaid until the home is sold or refinanced.

In the past year, some great things have happened for the homebuyers we serve. First, the Authority added a new mortgage credit certificate program that offers qualified borrowers a tax credit equal to the lesser of up to fifty percent of the interest they pay on their mortgage or $2,000, each year their mortgage loan is outstanding. Second, HUD published new and higher income limits for affordable housing programs for the upcoming year. And finally, the Authority expanded our program offerings to include the Freddie Mac HFA Advantage Program.

Freddie Mac is a quasi-governmental agency that insures home mortgage loans for moderate income homebuyers, and the HFA Advantage program is a program that Freddie Mac has structured to serve the needs of governmental housing finance agencies like the Authority. The Freddie Mac program has turned out to be even more exciting than we expected, but not necessarily for the reason that we expected!

The Freddie Mac program generally allows eligible borrowers with higher incomes to participate, as compared to the traditional or governmental program. For instance, for a family of one to two (all limits are adjusted upward for larger families), the Freddie Mac program allows a borrower to qualify if they earn up to $78,240 per year. Our governmental program would be

66 Pensacola Magazine

limited to families earning only up to $65,200 per year, taking into account the income of all adult residents in the home. So we expected that more people with slightly higher income would participate in the Freddie Mac Program. Sure enough, our first Freddie Mac loan was for a nurse who earned just a few hundred dollars a year more than the limit to qualify for our governmental program.

What we did not expect was that Freddie Mac would roll out a new grant program for additional down payment and closing cost assistance for lower income Freddie Mac homebuyers. As of April, 2018, Freddie Mac began offering a $2,500 grant to borrowers earning less than 50 percent of area median income, or a $1,500 grant to borrowers earning between 50 percent and 80 percent of area median income. If you live in Escambia County, that means that if you earn less than $32,600 per year your grant would be $2,500, and if you earn between $32,600 and $52,160 your grant would $1,500. Area median income numbers are published annually by HUD for each county in Florida. The grant stacks with our normal down payment assistance loan, so for a homebuyer earning less than $32,600 per year, the homebuyer

could wind up with a $7,500 zero percent loan that doesn’t have to be repaid until the home is sold or refinanced, and a grant of $2,500 that doesn’t have to be repaid at all. We have seen a definite increase in demand for the Freddie Mac product since the grant program came into effect, and we are thrilled that Freddie Mac has made this available for our homebuyers.

Even more good news came out for our homebuyers as of July 1, 2018, when the Florida Legislature enacted an exemption from the Florida documentary stamp for our mortgages, saving our average homebuyer a little over $400 in recording taxes.

The Authority has placed more than $134 million in first mortgage loans for more than 1,200 workforce families since 2012. Our website, www. escambiahfa.com, offers an up to date list of our participating lenders, current interest rates and down payment assistance programs. Give us a call soon and see what we can do for you!

Pat Lott is Executive Director and General Counsel for the Escambia County Housing Finance Authority. She and her team love to make affordable housing happen.

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On the Market

Create an Accessible Lifestyle If you’re like the majority of the population, mobility is something you take for granted. However, once you or a loved one encounters an illness or disability that results in depen­dence on a wheelchair, your perspective is likely to change dramatically.

Mobility is a major factor in a person’s inde­pendence, but when illness or injury hinders free movement, even a simple task like running to the store becomes a challenge. Fortunately, there are numerous options you can explore to improve mobility and accessibility if you or a loved one becomes reliant on a wheelchair or other assisted mobility.

Ramps in Place of Stairs Safety is a primary concern for someone whose mobility is limited. Even minor falls can cause significant injuries, particularly for seniors whose bones tend to be more fragile. When a loved one begins experiencing trouble with the steps, a ramp is a good solution. In fact, ramps aren’t just for those who are reliant on a wheelchair or other motorized

68 Pensacola Magazine

device like a scooter.

They are also a good solution for someone who uses a cane or walker, or someone who experiences pain or difficulty maintaining balance on the stairs.

Accessible Vehicles and Parking Getting out of the house is an important way to help someone whose mobility is compromised continue to feel connected to the larger world, and practically speaking, even if they’re not physically up to social engagements, chances are that doctor’s appointments will still be a necessity. However, parking limitations cause major challenges for wheelchair users.

Not only is getting in and out of the vehicle a chore, 74 percent of people have personally seen a handicap accessible parking space being improperly used, according to a survey by BraunAbility.

As a leading manufacturer of wheelchair accessible vehicles and wheelchair lifts, its Save My Spot campaign works to educate the public about the meaning and importance of handicap accessible parking. In addition to understanding and educating others about the proper usage of

handicap accessible parking, chair users may benefit from wheelchair accessible vehicles that provide maximum maneuverability, such as the BraunAbility Pacifica, which delivers the most interior cabin space and widest doorway and ramp for ease of entry and exit.

Hand Rails and Grab Bars Hand rails add another measure of safety in the home. They can add stability and support on staircases, ramps and other walkways, but they’re also beneficial in areas like the bathroom. A rail or grab bar near the toilet can help steady someone raising or lowering to use the facilities. Similarly, rails in or adjacent to the shower can assist with safe transitions into and out of the stall. Remember to follow all manufacturer instructions for installing rails to ensure they provide adequate support and can bear the weight of the user.

Bathroom Modifications Proper hygiene goes a long way toward promoting overall wellness and independence, but a person with limited mobility may struggle using the features of a standard bathroom. In addition to safety

rails and grab bars, devices such as shower stools and raised toilet seats can provide needed support.

Depending on your circumstances, it may be necessary to consider renovations to include a roll-in tub or seated shower and a vanity with a counter at an accessible height.

Wider Doors and Hallways While it’s not always possible to widen doors and hallways, this is an important consideration for someone who is heavily reliant on a wheelchair or other motorized device. If the chair can’t clear hallways and maneuver around corners, a person’s access to the home is severely limited, sometimes to the point of needing to find new housing accommodations. When considering whether the doors and hallways will meet your needs, remember to take into account any accessories or equipment, such as an oxygen tank, that may affect the chair’s turn radius.

Find more ideas to promote independence and mobility at braunability.com/savemyspot.

Cottonwood Family Home Wolfgang Hucklenbroich Broker Associate | Realtor 911 Gulf Breeze Pkwy.

Wolfgang@kw.com C: 850.530.5133 O: 850.916.5800

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I value and appreciate your business.

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3,243 Sq Ft- Boat Dock & Lift No Flood Insurance Required 1600 Ft of Deck Space

Darlene Hammond Broker/Owner

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On the Market

Smart home gadgets give customers power over their energy use

By Brandi Gomez, Communications Specialist for Gulf Power

T

echnology has made it possible to do just about anything. You can video chat with a loved one across the globe, track your daily steps through your wristwatch and even lock your car with your cell phone. These rapid advancements have also given customers the power to make smarter decisions. Especially when it comes to their home’s energy use.

Through the use of smart home products and gadgets, Gulf Power customers can monitor their home energy use and even save money on their monthly energy bill.

The latest craze is all about ease of control.

“Customers are gravitating toward being able to do everything with their smart phone or tablet,” explains Gulf Power’s Jeff Hatch.

“Through app-controlled devices, you can now manage your home’s lighting, cooling and heating.”

Hatch says one of the most common smart home devices used by customers is the smart thermostat because they’re affordable and allow for control and savings. Well-known brands like Ecobee and Nest can help regulate the temperature in a home by learning a customer’s preferences, particularly their heating and cooling habits.

Many smart thermostats will

70 Pensacola Magazine

automatically raise or lower the temperature to conserve energy when no one is home. This can save money, especially in the hot summer months.

And since they are easy to install and remove, they’re good for renters, too!

Gulf Power’s Energy Select program offers customers a way to save on their energy bill through an online portal and programmable thermostat. The Energy Select thermostat, along with timers for your appliances, gives you control over your home’s central cooling and heating system, electric water heater and pool pump. And you can program much of your home’s energy usage right on your smart device to fit your schedule, comfort and budget.

Smart home gadgets that are friendly on the budget and easy to install are automatic light switches and power strips.

We all want to remember to turn lights off when we’re not in a room, if only to save some money on our energy bill. Automatic light switches have sensors that detect any movement in the room, so entering that room would trigger the light to turn on and vice versa.

Some can also be turned on via voice command or through a smartphone app.

Today’s appliances and electronics are more sophisticated than ever — they’re also in more need of protection from power surges that

can cause permanent damage.

As residents of one of the top lightning-producing states in the country, we’re all familiar with the threat of major storms and the surges and outages they produce.

There are now ways to ensure protection from power surges while also saving energy. Many of these smart power strips will automatically turn off power to any items that are not in use. Gulf Power also offers surge protection plans for as little as the cost of giving up one fancy iced coffee a month.

Customers who want to see some long-term energy savings might be more interested in hybrid water heaters. After all, the water heater is the second-highest energy user in the home with the average household using 64 gallons of water each day.

“The latest hybrid water heaters also can be controlled with a smart device,” said Hatch. “But more importantly, hybrid water heaters combine performance with high efficiency.”

EcoNet-enabled water heaters even work with a smart thermostat. For example, when the Nest thermostat is set to Away mode, EcoNetenabled water heaters will go into an energy efficient operating mode to reduce the amount of energy the water heater uses and help save money. Gulf Power even offers rebates up to $400 for switching from gas to a high efficiency heat pump.

Managing your home’s energy has become easier than ever before. You can turn lights on and off, maintain your heating and cooling and even view your home’s energy use right on your smart phone or tablet.

Gulf Power’s free online Energy Checkup report is another tech smart resource for customers.

Customers will be asked 10 simple questions about their current energy use. Once the questionnaire is submitted, they’ll then receive an instant report that breaks down individual energy usage and offers tips on how to save.

For more information on smart ways to save on your energy bill, visit MyGulfPower.com.

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