On The Market December 2017

On the Market A Real Estate Section

Neighborhood Spotlight

In This Section

North Hill

page 60

Neighborhood Spotlight: North Hill page 60

The Power of Solar page 70

Three Ways to Protect Your Credit Score During the Holidays page 64

Room by Room Renovations page 76

pensacola magazine | 59

NEIGHBORHOOD SPOTLIGHT NORTH HILL

Pensacola holds a special place in American history, as it was the first European colony established in the United States. This has given it a depth of history not many other American cities have, and even now you can visit—and live in—neighborhoods and homes that date back to as far as the 19th century.

That’s why we are shining our Neighborhood Spotlight on North Hill.

One of the city’s oldest neighborhoods, it’s even been declared a US historic district. Its mix of architectural styles and proximity to downtown make it a perfect place to mesh the old and the new.

History of the Neighborhood North Hill is one of the oldest neighborhoods in the entire city. The subdivision was originally the home of historic Fort George—which was built to repel attacks from the north, as the southern end of the city was protected by Pensacola Bay. This fort was integral to the American Revolution in 1781, when Spanish army general Bernandro de Galvez defeated the English here, helping America in the war effort.

Throughout the 19th century as the city expanded, residents saw the rising slope of North Hill as a perfect place to expand the city.

Combined with the lumber boom of local yellow pine, North Hill became full of houses of myriad architectural styles and designs. Finally, in 1973, the City Council approved the boundaries of the North Hill Preservation District, allowing these myriad historical homes to be protected and repaired to promote the history of Pensacola.

Properties and Prices North Hill’s boundaries include Blount, Palafox, Wright, Belmont,

60 | pensacola magazine

Reus and DeVilliers Streets. This roughly two-and-a-half square mile area contains over 425 historic buildings alone, and crosses paths with some other historic neighborhoods such as BelmontDeVilliers.

According to Trulia, the average price for North Hill is around $289k, though some of the larger and older houses can reach $750k and higher. Since the neighborhood is considered a historic district, many of the homes are classic or Victorianstyle homes, built well before the 1950s, with some even dating back to the 1800s. Most have around 1,500 square feet of space for single floor homes, but the neighborhood is full of multi-story homes with upwards of 3,500 square feet. Three beds and two baths are common, but some multi-story units have upwards to six beds and five baths. There are quite a few rental properties as well, with rent hovering around $2k a month.

One of the most distinctive parts of the neighborhood is the variety of architecture. Queen Anne, Craftsman Bungalow, Colonial Revival, Neoclassical, Tudor Revival,

Art Deco, Victorian and others all make an appearance in the neighborhood’s diverse construction.

No matter what your tastes, there is a house that will accommodate it.

North Hill is a diverse neighborhood, most of its residents being working age adults between 25 and 55 – with a little more than half of the residents living in a family household, though most do not have children. The neighborhood has a slow speed limit and plenty of well-maintained sidewalks, and due to its proximity to downtown allows for many opportunities to walk and bike to your destination. Utilities are the standard for Pensacola, with Gulf Power for electricity, ECUA for water and garbage, and AT&T, Cox or DirecTV for internet/cable.

Local Attractions Pensacola High School is nestled right near the edge of North Hill, allowing for an easy commute to school. There are also several Christian academies located around the neighborhood that are focused on adolescents and preteens.

North Hill is a very close-knit community socially. The North Hill Preservation Association often holds events for the whole neighborhood.

This includes neighborhood-wide yard sales, Christmas parties, outdoor film showings at Alabama Square Park, and much more. There is always a way to get involved and feel welcome throughout the neighborhood.

Several small grocery stores are right outside of North Hill, such as Ever’man Cooperative Grocery and Café.

The neighborhood has no real retail spaces available to visit, but much of the appeal of the area is its proximity to our burgeoning downtown.

Whether you want to talk a short walk down Palafox Street to visit its cafes and small shops, or you want to head deeper into downtown for a taste of Pensacola nightlife, the easy access and proximity of the city is part of what makes North Hill so great. It also makes Uber rides home inexpensive.

Summary North Hill is not only a quiet and convenient place to live, but it plunges you right in the center of Pensacola’s long, multi-century history without leaving your backyard. Its close-knit community, proximity to everything and slow pace allows North Hill to be a sanctuary for families and individuals alike who want the true Pensacola experience.

For more information on North Hill and the surrounding areas, speak to your realtor or visit historicnorthhill. com to find out why people have called North Hill home since the 19th century.

pensacola magazine | 61

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ON THE MARKET

A REAL ESTATE SECTION

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Iconic Campers in Pensacola

Wonder Women

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Home on the Ranch Get up close at the Santa Rosa Ranch

A look inside the home of Ashton + An Hayward six incredible local ON THE

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REAL ESTATE EXPERTS

Is Now a Good Time to Buy or Sell Residential Property in Pensacola?

The market does tend to slow down during the fall/ winter months since many buyers and sellers prefer to move during the summer months when school is out Bruce Baker, MBA of session. This fact doesn’t mean fall/winter is slow, rather, not as robust as during the spring/summer market. Following are some positive reasons to both buy as well as sell during the fall/winter months.

BUYING: 1. Not as much competition - though not slow by any means, the number of active buyers within the market tends to drop during the November to February time-period, meaning you are competing with fewer buyers for the available properties.

2. Inventory is low but growing – it’s true that

fewer people decide to sell between November and February, however, because there are fewer buyers within the market, inventory tends to sit a little longer, creating more supply.

3. Fewer buyers mean fewer multiple-offer situation – this is beneficial to buyers since multiple-offers tend to drive prices up.

winter will help you take advantage of the January relocation frenzy.

Though the fall/winter tends to benefit buyers and the spring market benefits sellers, this doesn’t negate the benefit of selling your home now if personal circumstance necessitates a move this time of the year because prices are up over previous years.

SELLING: 1. Fall/winter buyers tend to be more serious than at other times of the year. Yes, you may end up with fewer showings, but those buyers tend to be readier to make a quick move as opposed to other times of the year, 2. Seasonal decorations, music and a cozy fire add warmth to homes, and sellers can take advantage of this by creating an inviting/enticing atmosphere for buyers throughout the various fall/winter holidays, 3. The lawn/landscaping grows less or stops entirely this time of year, so spruce it up once, set out a few decorations and enjoy not having to mow the yard and trim the hedges on a weekly basis, 4. Since inventory is typically lower during the fall/winter months, sellers face less competition, 5. January is one of the largest relocation months of the year, so listing in the late fall/early

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

Kathy Batterton pensacola magazine | 63

3 Ways

to Protect Your Credit Score During the Holidays

By Shellie Isakson-Smith Mortgage Loan Originator Synovus Mortgage Corp.

With the recent Equifax data breach that affected 143 million consumers, protecting our credit scores has risen in importance in our minds again—and it should. As you probably already know, your credit score determines whether or not you can qualify for loans and how much borrowing that money will cost you. These days it also affects your rates for car insurance, whether or not you can easily sign up for a new cell phone plan, and even if you'll have to slap down a chunky cash deposit when switching on new utilities.

The list goes on, but with these in mind, here are three ways you can protect your good scores during these times when out of the ordinary spending is something most of us do.

As we get close to the holidays, it's easy to start swiping credit cards online or at the department stores without realizing how much it can affect our credit scores. For most people, holidays mean spending money outside of the usual budget for family entertainment, meals, airline tickets, and gifts.

1). Be careful about running up credit cards.

This probably sounds like something your grandfather would tell you, but it's true. If you have to use revolving credit, it's wise to spread out your purchases over a few different card accounts to keep the balances under 30 – 50 percent of your available balance.

Exactly how the major credit bureaus calculate your credit scores is a matter of high math.

Many of the factors aren't easy to understand, but there are a few of them that we know for sure-and with some care, you can sail through the holidays without any negative hits.

2). Avoid unnecessary credit inquiries.

You will get a lot of offers for discounts or zero-percent financing if you “just sign up for this card now” during the holidays. That's one way retailers entice you into making purchases that you would otherwise avoid or consider very carefully. If you really need to make a purchase on credit, go ahead and apply, but remember that inquiries on your report can have a temporary negative effect to the tune of 10 – 20 points in some cases. This isn't a long term problem if you don't apply for credit frequently, but being aware of this impact will help you protect your score.

Important Day-to-Day Credit Score Factors: •Payment history. On-time payments are key.

Your payment history accounts for 35 percent of your score in most models.

•Amount owed. Your entire indebtedness accounts for 30 percent of your credit score.

•Mix of credit. A high number of revolving accounts (credit cards, department store lines, etc.) with balances over thirty percent of the available credit is another critical factor.

64 | pensacola magazine

"The plain truth is that many of us will use credit during the holidays. We may even exceed the optimal percentage of available credit."

3). Have a plan to pay down balances.

The plain truth is that many of us will use credit during the holidays. We may even exceed the optimal percentage of available credit.

Here's the thing: have a plan to get those balances down as quickly as possible. Since your credit profile is re-assessed every 30 days, you can bring scores back up quickly if you plan ahead for paying these accounts down after a period of using the credit. It takes a little discipline and forethought. Do you have a bonus or tax refund coming up soon? Are you getting extra overtime or taking on side work?

There are ways to handle this intelligently and enjoy high quality gift giving experiences with your loved ones-without jeopardizing your valuable credit resources.

I have touched on just a few of the overall factors that affect your credit in this article.

There are many other things to consider in addition to those I've mentioned. If you are planning to start shopping for a new home, or refinance your existing loan in the next few months, it's a good idea to make sure that your credit score is as good as possible.

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pensacola magazine | 65

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SYDNEE JOHNSON Realtor 22A Via DeLuna Pensacola Beach, FL 32561 sydneejohnson.cbintouch.com (850) 712-6772 Cell sydnee.johnson@floridamoves.com Follow me on

Š2017 DBA. All Rights Reserved. DBA fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Operated by a subsidiary of NRT LLC. Coldwell Banker and the Coldwell Banker Logo are registered service marks owned by Coldwell Banker Real Estate LLC. 66 | pensacola magazine

TANI GODFREY, REALTOR® Broker/Owner Pennacle Properties Inc.

850-723-8140 Pennacle Properties

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pensacola magazine | 67

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pensacola magazine | 69

The Power of Solar

By Doug Herrick Florida Certified Solar Contractor (CVC56921), owner of SunFarm Energy

How would a solar installation benefit my home and family?

How much does solar actually cost me? How durable is a solar system? How does a solar system handle the interaction between my home and the grid?

These are some of the questions which prospective clients ask SunFarm Energy when they begin the process of switching their homes over to solar power. Given the relative youth of large scale solar systems (the technology is about 50 years old), it is understandable that many people have questions about the idea of putting a system on their property.

While questions about solar may differ between clients depending on their particular goals and interests, two points are abundantly clear: serious interest in solar is at an all-time high, and almost everyone agrees that solar is an important part of our energy future.

There are no questions too big

or too small when it comes to making the switch to solar, as it is an important investment with long term returns, and it is important for consumers to be educated about this addition to their property. SunFarm Energy, a NABCEP accredited and state certified solar contractor, uses their technical knowledge and practical understanding to walk their clients through the switch to solar, answering all questions and ensuring that the process is turn-key. Rick and Tammy S., a local couple who made the decision to go solar earlier this year, provide a wonderful example of the typical solar experience.

Rick and Tammy called SunFarm

Pamela L. Smith, Realtor

CRS, PMN, e-Pro (850) 516-7809 | www.pamlsmith.com Real Estate Counselors, Inc.

Classic Country Estate - 5.66 Acres

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4090 SunShine Ridge CouRt 70 | pensacola magazine

Energy in April of 2017, simply curious about what it would take for them to go solar and how much it would cost them. After explaining to them the basics of solar and breaking down the costs and benefits of making the switch, which include a 30% Federal tax credit and the ability to sell back power to utilities for a retail credit in a process called net metering, Rick and Tammy were excited to receive a quote for their home. After they sent in their power bill, it turned out that they would need an 11.02 kilowatt (kW) system to offset their yearly consumption of 15,000 kilowatt hours (kWh).

A sales representative performed a site inspection of Rick and Tammy’s home, and after making a few tweaks to fit their needs they came to an agreement to install a system on their property.

They were given an estimated install date about 4 weeks after contract signing, but with scheduling flexibility, their work was started ahead of schedule. After the install was complete, the local building inspector came out to approve the installation, followed shortly thereafter by Gulf Power.

The technicians for Gulf Power reprogrammed the meter on the home so that it could read both the amount of power used by the home and the amount of power sent to the grid, which allows for solar users to only be charged for the net difference of power used (hence, net metering). After reprogramming, the technicians performed their final inspection and approved the system.

With all of this work completed,

Rick and Tammy had their system fully functioning on May 24th.

Their involvement with SunFarm didn’t stop there, as they began telling their friends about the company, which led to one of those friends making the move to solar as well.

While receiving their referral bonus, Rick and Tammy mentioned to the company that they had already seen great success with their system, as their October power bill dropped from 1,644 kWh and $220.88 last year to 11kWh and $22.38 in 2017 – a drop of almost 90 percent!

Rick and Tammy are the ideal solar success story, as their install was fast, the process was efficient, and their benefits could be seen immediately.

They have become model solar ambassadors, and tell everyone who will listen about how much they love their system and all of the good it has done for them. Anyone else interested in making the decision to go solar can see from their story that the process is painless, the returns are tangible, and the benefits – both environmental and financial – are worth the move.

SunFarm Energy is a veteran owned and operated, state certified and NABCEP accredited solar contractor based in the Pensacola area, servicing the entire state. They install commercial, residential, and industrial solar PV systems as well as solar thermal pool systems, solar hot water heaters, and electric vehicle charging stations. For more information, please call 850-4720341 or send them an email at info@sunfarmenergy.net.

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pensacola magazine | 73

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Mortgage Loan Originators: Shellie Isakson-Smith 850.436.7846 Carmen Handrahan 850.436.8921 Synovus Mortgage Corp. is a subsidiary of Synovus Bank. Loans subject to approval, including credit approval. Shellie Isakson-Smit, NMLS 440325. Carmen Handrahan, NMLS 583328.

74 | pensacola magazine

Gulf Breeze Custom Waterfront Residence on a 1+ Acre lot 608 Fairpoint Drive, Gulf Breeze, FL 32561 MLS# 526662 | $1,990,000

This waterfront residence is a custom, architecturally designed, contemporary home on a 1+ acre lot. Property has excellent elevation, well above the flood zone w/130+/- ft. of Pensacola Bay frontage, affording an exceptional view to the downtown Pensacola area. Lushly landscaped drive w/natural shrub fence along Fairpoint Dr. The canopy of Oaks, Magnolias, Crepe Myrtles & an other mature species provide a lot of privacy.This home sits on one of the largest waterfront estates listed in Gulf Breeze. The home has been continuously updated over the years including new kitchen cabinetry along w/all new stainless steel appliances. All marble & granite countertops. Wet bar in kitchen, dumb waiter & large pantry w/built ins. Lighting & audio systems are networked throughout the home w/programmed mood lighting & multiple choices of audio. Antique imported marble fireplace is natural gas & has a remote control. Narrow plank, gloss finished, real oak floors lead from the front entrance to the upper level & throughout common areas. The master bedroom includes custom, ornate carpeting & many custom built ins.

Huge walk in closet in master bath. The upstairs guest room includes custom hardwood flooring, multiple levels & hobby area. The downstairs area would make a great mother-in-law suite or additional kids bedroom. Includes bonus room/play area/gym. Complete with kitchenette and ice maker. Also includes bedroom & bath, 1/2 bath w/rosewood paneled walls, & a big home office w/a garage entrance. Side entry 3 car garage w/dedicated equip. room.

Gail Green

850-380-1193 gailcgreen@yahoo.com

G. Daniel Green & Associates Inc. 103 Baybridge Drive Gulf Breeze, FL 32561

pensacola magazine | 75

ROOM BY ROOM RENOVATIONS

I

f your favorite room is outdated and dingy, a renovation may be all you need to make the old feel new and to fall in love with your home all over again.

Upgrading your home can be a big job, and unless it’s part of a pre-move-in plan, few homeowners find it practical (or even possible, from a budget standpoint) to execute a largescale project. However, tackling the updates one room at a time and focusing on small changes that bring big returns can put those overdue enhancements well within reach.

Kitchen It’s the heart of the home, and it’s where many homeowners sink big money to make upgrades. Kitchen renovations don’t have to require a second mortgage though. Re-facing rather than replacing cabinetry can bring about a whole new look for a whole lot less money. This is a good option when the existing cabinets are still in good working condition and you’re just looking for an aesthetic change. Other small-scale options include swapping out the countertop and sink, changing the lighting fixtures and updating tired floors with contemporary wood or tile.

Bathroom When plumbing is involved, project costs can skyrocket, but there are some relatively simple ways you can give your bathroom a facelift on a modest budget. For starters, swap out all the fixtures from lighting to faucets. A new vanity is another instant upgrade, whether

you opt for an updated version of the original or select a whole new style for a completely fresh look.

Also consider upgrades that can increase natural light and fresh air without compromising privacy, such as the addition of skylights to your ceiling, or “fifth wall,” which can completely change the lighting dynamic of the room. In addition to balanced, natural light, skylights like those from Velux can open to help refresh your space and keep it odorand moisture-free.

For extra style and light control, consider complementing the room’s decor with skylights featuring colored blinds, which are available in more than 100 colors and styles, and also offer remote control operation for convenience in raising and lowering the blinds and opening skylights to let in fresh air. Learn more about making the fifth wall part of your renovation plan at whyskylights.com.

Living Room A common space where the family gathers is likely to sustain the greatest wear and tear, and because you spend so much time there, it’s also a room where you’re likely to find a list of things that irk you. Creating a new color scheme is a simple fix that transforms the space, but changing the palette of the walls is just the beginning. Also consider taking your redesign to the ceiling with vibrant colors, creative wallpapers or even exposed beams.

Round out the room by swapping out lamp shades, adding vibrant throw pillows, replacing old curtains or blinds, or tying the color scheme together with a new area rug.

Bedroom In your private sanctuary, all the typical options for updates apply for sure. However, this is a space where the furnishings can be an especially impactful way to influence the ambiance, especially if a construction project in the room where you sleep is impractical.

Changing out the style of the bed frame and complementary pieces creates a whole new vibe for the room. Then bring in a new collection of textiles for the bedding and drapery to help round out the pseudo-renovation.

76 | pensacola magazine

Courtesy of Family Features

Laundry Room If you’re looking for modest ways to update your home, be sure to consider spaces like the laundry room. Although you likely use this space less frequently than common spaces like the living room or kitchen, plenty of essential activity happens in the laundry area. Practical features like added storage space, cheerful color on the walls and easyto-clean flooring can all make this room’s tedious tasks more enjoyable.

Which Skylight is Right?

Skylights can serve multiple functions, both aesthetic and practical. Understanding the different types of skylights can help you choose the right fit for your home.

Solar-powered skylights rely on the sun’s energy to open and bring both air and natural light into your home.

Some models, such as those offered

by Velux, feature a rain sensor that automatically closes the skylight at the first sign of precipitation. They’re also easy to operate with a touch-screen remote control.

Electric skylights are wired into your home electrical system and open and close via a radio frequency, touchscreen remote control.

Manual skylights open with a hand lever; a control rod is generally available for out-of-reach installations.

Fixed An economical choice for visually expanding areas such as hallways, stairwells and other closed-in, dark spaces, these static skylights are intended to fill a room with natural light.

Energy Performance Adding a solar blind to a skylight results in more savings via potential tax credits as well as reduced energy usage. The blind functions to block heat penetration when closed, but during cooler weather it can stay open to allow warm, sunny rays to supplement the home’s climate control system.

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850-432-5678

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EVERETT FINANCIAL, INC. D/B/A SUPREME LENDING NMLS ID #2129 (www.nmlsconsumeraccess.org) 14801 Quorum Dr., #300, Dallas, TX 75254. 877-350-5225. Š 2017. This is not an offer to enter into an agreement. Information, rates, & programs are subject to change without prior notice and may not be available in all states. All products are subject to credit & property approval. Supreme Lending is not affiliated with any government agency. Intended for Florida consumers, Florida Mortgage Lender Servicer License MLD909.

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