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listen very carefully and you might hear . . .

a five star o p portunity is whisperin g

Nestled along the pristine coastline of Longboat Key on Florida's West Coast, Bleu Claire brings a new level of exclusivity to beachfront condominium living, with only 11 to be built estate residences from 4,000 square feet. Inspired by the villas of the French Riviera, the community’s understated elegance reflects the beauty of its natural surroundings and the enchanting views of the Gulf of Mexico while offering environmentally green construction and surprising amenities.. From the $3 millions USD. Penthouses from the $5 millions USD. Call 941.744.7441 or visit www.BleuClaire.com.

4765

GULF

OF

MEXICO

DRIVE

LONGBOAT

KEY

FL

34228

ORAL REPRESENTATIONS CANNOT BE RELIED UPON AS CORRECTLY STATING REPRESENTATIONS OF THE DEVELOPER. FOR CORRECT REPRESENTATIONS, MAKE REFERENCE TO THE DOCUMENTS REQUIRED BY SECTION 718.503, FLORIDA STATUTES, TO BE FURNISHED BY THE DEVELOPERS TO A BUYER OR LESSEE. PLEASE NOTE THE ABOVE IS AN ARTIST'S RENDERING AND IS SUBJECT TO CHANGE. PRICES SUBJECT TO CHANGE.


They say the journey’s more important than the destination.... but they’ve never been to

casey key

Kick off your shoes and walk the secluded white sand beach where dolphins swim a few feet off shore; enjoy the serenity of magnificent sunsets, beach sunflowers, sea oats and fountain grasses beneath Mediterranean blue skies and balmy winter weather. One of only three privately owned beaches in Florida, Casey Key is an eight-mile long barrier island with no high rises and no traffic lights. With the Gulf of Mexico as your front yard and Sarasota Bay as your back yard, you’ll discover why residents regard Casey Key as a tropical paradise.

From cottages to mansions, Casey Key homes exude a unique blend of understated wealth, elegance, and old-Florida charm. Life on the island is casual, friendly, and spontaneous. Dine in shorts and sandals at the rustic fish house restaurants on each end of the island, or head for the cultural sophistication of downtown Sarasota that includes world class restaurants and shops, full-time symphony, opera, ballet, professional theaters, and jazz, wine and film festivals.

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Whether you jet into Venice airport five miles away and never leave your island paradise or participate in Sarasota’s cultural life, Casey Key truly provides the best of both worlds. Deborah Beacham, a resident of Casey Key for fifteen years and the top producing REALTOR , can help you find the perfect house for your "southern escape." R

D EBORAH B EACHAM, P.A. REALTOR , CRS Designee,TRC R

Michael Saunders & Company, Licensed Real Estate Broker 440 Gulf of Mexico Drive, Longboat Key, FL 34228 941.376.2688 DeborahBeacham@MichaelSaunders.com DeborahBeacham.com

Luxury Residential Waterfront Specialist EUROPEAN EUROPEAN REAL ESTATE REAL ESTATE NETWORK NETWORK

Luxury Residential Waterfront Specialist International

Realty


CONTENTS Volume 1 Issue 3 ADDY

R

THE ULTIMATE CHALLENGE

FEATURES 16

2009 ADDY Award Winner

PUBLISHER’S PAGE ......................................................................10 WELCOME .................................................................................... 12 INTRODUCTION .............................................................................14 SUN COAST .................................................................................. 16 THE TUSCANY – THE COVE AT PALMETTO POINT ......................22 CULTURAL COAST .......................................................................26 PARADISE COAST .........................................................................44

DEPARTMENTS REAL ESTATE LAW by Lauren P. Kohl 54 ............................................................... the delicate balance of contract contingencies

26

INTERNATIONAL REAL ESTATE by Carla Rayman the truth about florida real estate .................................................................................... 62 CROSS BORDER BANKING by Frederic Potvin other lending solutions for canadians 66 ....................................................................

44

gobal glo

om ag .c m s e hom ri da o l f . www


W

hy Live in Florida? If you asked the question “Why Live in Florida?” the answers would be unique and personalized to each individual. However, there are 4 Key Reasons to Love Life in Florida.

FROM THE PUBLISHER

#1: The Weather: Sunny and warm virtually year-round. No issues from Light Deprivation here. #2: Housing: In comparison to our northern U. S. counterparts, and our coastal neighbors in California, Florida housing offers greater affordability, along with a favorable property tax structure.

About the Publisher: Canadian-born Mike Mattina has a passion for the Florida Gulf Coast lifestyle. A successful entrepreneur, his personal search for a home in Florida exposed a great need for area information not easily attained, and has propelled his present desire to assure comprehensive relocation, vacation and real estate information is readily available to international buyers seeking the Florida lifestyle.

#3: Recreation: Florida offers a rich environment for any outdoor activity, along with an abundance of professional sports. On the water, golf course, professional field, or tennis court, there are ample activities, attractions, preserves and parks, along with miles of pristine waterways to enjoy and explore. #4: Quality of Life: Consistently ranked among the best places to live, work and play, from Cape Coral, Ft. Myers and Naples, to Venice, Siesta Key and Clearwater, a sense of pride prevails, with a spirit of protection for Florida's natural resources, safety, quality education and a vibrant economy. With the most attractive home pricing, and maybe the best selection we may ever see…there may never be a better time to secure your place in paradise. Improving Our Impact In the month of June and up to the release date of this publication, our web site has received over 21,000 hits from 47 countries....now that’s truly global! Our Florida Homes Magazine advertisers are greatly appreciated, and are also a part of our every growing “Fan Base.” As committed, we continue to improve our internet presence, with the impact of social media. Our newest blog content can be found at www.blog.FloridaHomesMag.com. You can also follow us on Twitter and Facebook. Notable Real Estate Sales Record Sale year-to-date for 2009: Longboat Key, Florida where a Lido Shores home, on Westway Drive, sold for $7,423,500, July 17, 2009. Casey Key, Florida: “Sugar Bay Estate” located on N Casey Key Road, sold for $6.2 million, July 28, 2009. Second Quarter Housing Overview June brought good news for the housing industry, logging the first monthly housing gain in 3 years. Florida's existing home sales rose in June, for the 10th consecutive month, according to the Florida Association of Realtors. Though median sales prices have fallen dramatically, from 2008, June produced an increase of 2.49 percent over May's median, as the inventory of foreclosures and short sales declined. Housing Highlight June 2009 Naples | Bonita Springs: The number of single-family homes sold, with the assistance of a Realtor, in Lee County in June soared to a record high of 1,705, more than twice the 719 recorded a year earlier, according to the Florida Association of Realtors.

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FromSeaToTee.com Naples Florida's Most Aggressively Priced Properties

TERRABELLA @ PELICAN MARSH 2-story villa with lake and golf views, 4BR+den, 4.5BA, cabana suite, heated pool/spa REDUCED TO $1,780,000

MOORINGS BAYFRONT HOME 265 ft. seawall w/NO BRIDGES to Gulf. Totally remodeled 5 BR/4 BA. Dramatic & Unique Estate Home $2,950,000

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FLORIDA HOMES MAGAZINE

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WELCOME

Your Paradise Lifestyle Awaits

Welcome to the life and lifestyle of endless sunshine and swaying palms that is the allure of Florida's Southwest Coast. Where near perfect weather year-round, the romance of sun swept beaches and magnificent sunsets attract visitors and seasonal residents alike. Consistently ranked in the TOP destinations, as well as one of the best places to live work and play, this area offers first-class accommodations, nationally ranked beaches, a rich history and a glimpse into the majestic wildlife that makes this region of the country so special. Award-winning communities, top-ranked golf courses, endless waterways and the relaxed Florida lifestyle create a unique harmony and global appeal. Since the late 1800's, Southwest Florida has been a popular destination for those seeking a warm therapeutic climate, resort amenities and sophisticated recreation. Her earliest “snow-birds” were industrialists and aristocracy. Today, their vision of the ultimate paradisiacal lifestyle lives on in the array of resort hotels, museums, world-class restaurants, recreational and professional sports, first-rate boating and fishing opportunities, world famous beaches and extraordinary cultural amenities. Allow us to guide you on your ultimate Southwest Florida excursion. Featuring the vibrence and nightlife of the SUN COAST (Tampa, St. Petersburg/Clearwater and Tarpon Springs) the rich history and performance mecca of the CULTURAL COAST (Sarasota/Bradenton, Punta Gorda, Venice and Boca Grande) and the world-class amenities, artfully co-existing with untamed wilderness of the PARADISE COAST (Naples, Cape Coral, Marco Island, Sanibel/Captiva, Fort Myers and the Florida Everglades). Whatever your lifestyle, or passion, Florida's Southwest Coast will offer abundance at every turn. You can experience the ultimate thrill at amusement parks, or on an air boat ride through the wilderness of the Everglades; seek sanctuary on a remote and unspoiled island retreat, or spend countless hours wandering the tranquil tree-lined streets of the quaint downtown districts. Opera or Osprey, hip and trendy, to soulful seaside exploration…your options are as endless as the regions pristine waterways and days of sunshine. Find your Perfect Piece of Paradise.

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Going Coastal

Home to some of the finest destinations in the world such as Naples, Sarasota, Casey Key, Boca Grande and Sanibel Island, Florida's Southwest coast is most often noted for its majestic barrier islands and gorgeous gulf beaches, which lure millions to the local shorelines annually. Named for the Spanish feast of flowers, Florida's lush, exotic foliage flourishes throughout this Southwest region, filling the surrounding scenery with brilliant colors and intoxicating scents. Glistening waterways wrap around the region's miles of coastline providing peaceful passageways for dolphins, manatee and other aquatic life. Equally famous for historic districts, intriguing architecture and landmarks, the cultural attraction of Naples, Sarasota and Tampa include theatre, seasonal ballet, the symphony, and countless distinctive art galleries, along with a large population of local artisans. While festivals year-round such as the Gasparilla Festival in Tampa, the Sarasota Blues Festival and the Taste of the Islands in Sanibel and Captiva, awaken your spirit, foster your imagination and feed your soul. Nature enthusiasts are enamored with the plethora of natural treasures of the region. Camping, canoeing, hiking, the Vince Rookery, Corkscrew Swamp, and, of course, the famous Florida Everglades, with intriguing airboat excursions, provide outdoor educational and recreational adventures for all ages. The region's temperate climate, ample sunshine and southern breezes create the perfect backdrop for any type of outdoor recreation. Each area boasts a variety of public and private golf courses, many associated with gated communities and resort-style amenities. From the tranquil elegance of Lansbrook and the exclusive Cypress Run (Tarpon Springs) to The Founders Club (Sarasota) and the distinguished Olde Cypress Golf Community (Naples), discriminating homeowners and discerning golfers enjoy 12 months of glorious tee times, unhurried play and award-winning greens.

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SUN COAST tampa

clearwater st. petersburg

bradenton sarasota CULTURAL COAST

venice punta gorda boca grande cape coral ft. myers PARADISE COAST

naples marco island


SUN COAST The Tampa Bay area begins our journey of the coastal experience. A cosmopolitan flair, with incredible natural resources, the Tampa area offers an array of attractions, professional sports, a rich history, cool bay breezes and miles of open waterway. The Sun Coast is comprised of various barrier islands and 35-miles of white-sand beaches, encompassed by the Gulf of Mexico and Tampa Bay. Tampa, St. Petersburg and Clearwater offer a tropical setting and hold year-round appeal for the angler, golfer, the arts and water sport enthusiasts. Home to award-winning beaches, including Caladesi Beach, America's number one beach in 2008, you're close to everything, yet you'll feel as though you're miles away from anywhere. In addition to award-winning beaches, the area offers attractions, recreation and aquatic educational opportunities. Visit a marine aquarium, experience a dolphin encounter, discover unique shops and boutiques, or sample the coastal cuisine. From elegant dining and moonlight dinner cruises, to completely casual barefoot beach relaxation, there's a perfect experience awaiting you on Florida's Sun Coast.

CULTURAL COAST A European style city, Sarasota is home to an abundance of outdoor recreation, cultural amenities beyond compare, awardwinning beaches, outstanding cuisine and world-renowned shopping. The Cultural Coast includes Sarasota, Bradenton and Venice accompanied by surrounding communities. Beyond the allure of the over 35-miles of stunning beaches, you'll find a rich history, magnificent architecture, award-winning communities, miles of boating water and lush golf courses. Home to a world-class ballet company, numerous playhouses, the Florida West Coast and the Venice Symphonies, along with a plethora of art galleries, the region plays host to festivals, visiting artists and exciting exhibits year-round. Each area of the region reflects a unique personality. From Boca Grand's tropical island ambiance, waterfront dining and the feel of “Old Florida,” to Bradenton and Venice, with their friendly, small-town allure, historic ambiance and tranquil pace. Loose your self on sun swept beaches, aboard your boat, in a museum, or on the green. Take a dinner cruise, bike or hike the grounds of one of the area's nearby State Parks. There is something for everyone on Florida's Cultural Coast.

PARADISE COAST Nestled between the calm azure waters of the Gulf of Mexico and the subtropical wilderness of the Florida Everglades, Naples and surrounding communities boast miles of unspoiled beaches, incredible wild life, upscale amenities, award-winning neighborhoods, over 130 highly acclaimed golf courses, culinary delights, cultural events, art exhibits and exquisite sunsets. Snorkel, stroll, shop or shell. Tantalizing island fare and local bounty, or international cuisines, an abundance of dining options are available in the region. Naples, Marco Island & the Florida Everglades comprise The Paradise Coast. Neighboring communities include Fort Myers, known as “The City of Palms” and Fort Myers' beaches, Sanibel and Captiva Islands, with their laid-back island culture. Here you'll discover a gentle pace and tropical ambiance. Home of the Ding Darling Wildlife Refuge, the unsurpassed natural beauty of this region and strong nature conservancy focus captivates the outdoor and wild life enthusiasts. From upscale to economical, whether you prefer fishing, shelling, tennis, nature hikes or swamp buggy excursions…this quintessential Florida community welcomes you.


SUN COAST

SUN COAST

TAMPA, ST. PETERSBURG, CLEARWATER, LARGO, MADEIRA BEACH, TREASURE ISLAND, TARPON SPRINGS, PALM HARBOR

The Sun Coast, also recognized at the “Nightlife Capital of Southwest Florida” is also known as a boating and fishing paradise. Home to three award winning beaches, this region is geographically defined by the Tampa Bay area and numerous barrier Islands. For families, entrepreneurs, artists, nature enthusiasts, retirees, as well as beach goers and boaters, longing for the endless sunshine and enviable lifestyle of Florida's Southwest Gulf Coast, the Sun Coast is beyond compare. The Sun Coast includes the communities of Tarpon Springs to the north, Palm Harbor, Clearwater, Indian Rocks Beach, Largo, Madeira Beach, Treasure Island, and St. Petersburg, recently regarded among America's Top Livable Cities.

The Tampa Bay area, rich with natural resources, unmatched beaches, endless waterways and marvelous attractions makes this region of Florida's Southwest Gulf Coast one of the top destinations for visitors, as well as those looking to relocate to the Sunshine State. Boasting the largest performing arts center in the southeast, the largest science museum in the south, 2008's number one beach in America, tens-of-thousands of acres of natural preserve, the number one zoo in the country for children, along with a vibrant business climate, the life and the lifestyle are unsurpassed on Florida's Sun Coast. Experience award-winning beaches and gorgeous waterways, where you can lounge, fish, swim, sail or shell. Take a

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magnificent moonlit dinner cruise, visit the Henry B. Plant Museum, with its fine furnishing and incredible architectural presence, schedule a tee time on one of the Tampa Bay area's gorgeous golf courses, or watch some of the world's best performers at the Tampa Bay Arts Center, one of the largest performing art centers in North America. The Sun Coast's natural bounty is expansive in their nature parks and preserves. The regions commitment to the preservation of natural resources and dedication to protecting vulnerable marine and avian life is seen in the area's vast wildlife sanctuaries, rehabilitative, rescue and research aquariums.

Wild Adventures…choose your venue. Sensational roller coasters at Bush Gardens and the interactive wildlife expositions at the Florida Aquarium, or visit the Lowry Park Zoo offering close encounters with over 2,000 animals housed in natural habitats. Invigorating professional sporting events, big game fishing, or a night on the town at one of Tampa's trendy hotspots, whatever your skill or thrill, the Sun Coast promises to engage your senses and capture your heart. Tampa's Latin Quarter, has a reputation of “party central” in Tampa Bay. One of only two National Historic Landmark Districts in Florida, Ybor (pronounced Eebor) City's quaint streets, trendy galleries, live music and exceptional cuisine


draw thousands to its energetic atmosphere and old-world charm. This particular destination has also given rise to Tampa's recognition as “the Nightlife Capital of Florida's West Coast” and offers an exotic blend of scents, sights, sounds and flavors. A tropical climate of quiet and calm draw visitors and residents to the prominent destination of Clearwater/St. Petersburg. Award-winning beaches, a rich history, a thriving economic base, numerous attractions, along with a host of special and sporting events offer a wide variety of activities in this quiet coastal community.

In addition to marvelous beaches and amazing Gulf of Mexico sunsets, you'll find endless boating opportunities, with yachts, sightseeing boats, dinner cruises and even a pirate ship at the Clearwater Marina. Be amazed by the work with rescued and vulnerable sealife at the Clearwater Marine Aquarium, or experience St. Petersburg's infamous Sunken Gardens.

Location Florida's west coast , Hillsborough County, just north of Sarasota, 25 miles in from the Gulf of Mexico. Geography Hillsborough County 1,050 square miles of land area Temperature 82° F average high temperature 61° F average low temperature 73.1° F annual average temperature Annual Precipitation 44.8 inches Average Annual Sunshine 346 days Population 336,823 residents Airport Tampa International Airport is located just five miles west of downtown Tampa on the east shore of Tampa Bay General Information: 813870-8700. St. Petersburg-Clearwater International Airport is located on State Route 686, Roosevelt Blvd. 4 miles north of St. Petersburg.

Boasting the Henry B. Plant Museum, a Children's Museum, Museum of Fine Art and a History Museum, along with various cultural venues including St. Pete's Florida Craftsmen Gallery and Mahaffey Theatre complex, the cultural amenities of this community are impressive. Live theatre and performances are featured at Ruth Eckerd Hall and The Palladium Theatre, home of the St. Petersburg Ballet Company. Tarpon Springs is home of the world-famous Sponge Docks, graceful mansions and a Mediterranean heritage peacefully coexisting with casino cruises, championship golf and deep sea charters. The historic downtown features a vibrant city center of galleries, restaurants, antiques and specialty shops.

SUN COAST

Clearwater Beach is consistently ranked as of the best Florida Beaches and one of the most popular with families. Secluded Caladesi Island holds the title as “America's Number One Beach” in 2008. A largely undeveloped barrier island, Caladesi is only accessible by boat. This little piece of heaven offers a 3mile nature trail, dockage for your boat and ferry access to the nearby Honeymoon Island.

Tampa, along with its neighboring communities of Clearwater and St. Petersburg, are located midway down Florida's west coast. Surrounded by miles of waterway, the region offers world-wide appeal as a resort destination, as well as a comfortable place to live.

Sea Port Port of Tampa 1101 Channelside Dr., Tampa, FL 33602 (800) 741-2297 Cost of Living Index 98 (U.S. average is 100) Median Resident Age 41.24 Years

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DON’T MISS

SUN COAST

THERE’S A SUNNY SIDE TO THIS AREA OF FLORIDA’S WEST COAST THAT MAKES IT A HOT SPOT AMONG THE WORLD’S DESTINATIONS. FUN ‘N SUN LOVERS COME FROM AROUND THE GLOBE TO THE BEACHES OF ST. PETERSBURG AND CLEARWATER EARNING THIS REGION THE TITLE OF FLORIDA’S “SUN COAST”. Savor the Flavors After a day at the beach, the museums, on the course, or at any of the host of attractions throughout the Sun Coast, escape to a tropical paradise for a marvelous meal at Fish Tail Willy's, or tantalize your senses with the meticulously chosen menu at Jorge's Seafood Grille. Satisfy the most discriminating taste with exquisite meals at Savant Fine Dining, or experience old-school cuisine and professional service, dinner and dancing at the Wine Cellar in Redington Beach. Voted one of the “20 Best New Restaurants” in Florida, by Florida Trend Magazine, Middle Grounds Grill, at Treasure Island, features the freshest in local fare, while Britts Laguna Grill serves up sunsets almost daily in the coolest tropical paradise location on Clearwater Beach. For the epitome in European allure, try St. Pete's Cafe Alma, celebrating community, art and intellect with live entertainment. Notable Nightlife The Tampa Bay area sizzles with chic nightlife locations and tropical retreats. Bay Area bands crank out jazz, blues, rock, country and salsa at clubs and restaurants throughout the region, The “Soul of St. Petersburg,” BayWalk is an open-air entertainment complex sure to please in the heart of downtown. Let loose at Y'bor City's Green Iguana, or try a famous “martooni” at the Chic-a-Boom Room in Dunedin, serving as a haven for those looking to relax and enjoy mingling. New York New York, in Clearwater, serves up an entertaining ambiance and great local bands. A “must visit” is the highly popular Shephard's Tiki Bar, right on Clearwater Beach. This raucous establishment is a favorite of fun-loving souls. Come by boat, or by car, but don't miss it. Water Wonders With miles of endless shimmering waterways, lakes, rivers and secret hidden backwater, you can fish to your heart's desire. Whether you prefer a pier, or the deck of a deep sea charter, the Sun Coast is sure to thrill you. Hubbard Marina at John's Pass, in Madeira Beach Florida is West Florida's Leader in Deep Sea Fishing for 40 years, offering all types of water excursions, including sightseeing tours. While you're there, don't miss the Pirates Cove Bar. Exhilarating lunch or dinner cruises are sure to please in Tampa and St. Pete. All aboard for a Dixieland lunch, or a glamorous dinner cruise with

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stunning water views. Watch the dolphins cavort from the Dolphin Encounter® Cruises and view these graceful marine mammals along with the gorgeous shoreline of Caladesi Island. Native Adventure An unsurpassed abundance of parks, nature preserves, estuaries and exhibits will have you on a first name basis with many of the true Florida Natives. Few destinations offer the opportunity to visit sanctuaries specifically focused on rescue and rehab of Florida's vulnerable wildlife. Located in Indian Shores, The SunCoast Seabird Sanctuary is dedicated to the care and rehabilitation of injured avian life, with an on-site hospital. The Lowry Zoo, the Florida Aquarium and the Tarpon Springs Aquarium offer experiences with marine and wildlife most will never forget. Or, strike out on your own adventure at one of the many preserves. Brooker Creek Preserve's 8,500acres are sanctuary to over 50 reptiles, 40 mammals, 160 bird species and 20 amphibians, of which many are rare or listed as protected. Shell Key Preserve is a 1,755-acre preserve, whose unique habitat provides a sanctuary for vulnerable and protected wildlife species. Moccasin Lake Nature Park, a 51acre preserve, or Boyd Hill Nature Park located on Lake Maggiore, a 245-acre preserve, will bring you up-close to many of the endangered plants and rare wildlife of the Tampa Bay area. Botanical Bounty Not only is the region rich in botanical beauty, but also features the added benefit of a rich history and culture. The signature destination of St. Petersburg's Sunken Gardens, first opening in


1935, offers rare foliage, along with a magnificent butterfly garden. The beautiful Palm Arboretum sits on two-acres of bounty offering hundreds of botanical specimens. Florida Botanical Gardens features 90-acres of protected wetlands and endangered scrubland, along with an abundance of spectacular color throughout the year, and a very special Children's trail. A member of the National Register Of Historic Places, Weedon Island Preserve, situated on Old Tampa Bay, was once home to at least four prehistoric cultures who thrived on the area's natural abundance. The Cultural and National Historic Center features a creative blend of environmental education infused with the Weedon Native American Indian culture.

Creative Expressions An exciting array of annual festivals, street performers and events can be found year-round on the Sun Coast. Live theatrical, orchestra and ballet performances are featured at Ruth Eckerd Hall, The Mahaffey Theatre and The Palladium Theatre, home of the St. Petersburg Ballet Company. St. Petersburg regularly tops the nation among art destinations. The Museum of Fine Arts, along with the Salvador Dali Museum offers examples of paintings, glass, decorative objects, photography, and antiques. The Gasparilla Festival of Arts attracts hundreds of artisans and art enthusiasts to the exhibits of photography and jewelers, sculptors and painters.

Thrills and Spills With exhilarating attractions like Busch Gardens' Gwazi, a double wooden coaster, boasting the title of the Southeast's largest, and The Serengeti Plain, featuring hundreds of exotic African animals, to professional baseball, professional football and hockey, you're never far from the action on the Sun Coast. Sunscreen Required Known for award-winning beaches, this region offers a plethora of pristine shore line. Home to America's number one beach in 2008, Caladesi Island State Park, which is dog friendly as well as family friendly, Clearwater offers a cornucopia of top-rated sandy destinations including the Number one beach in 2005, Fort De Soto Park. For a high energy beach excursion try Clearwater Beach, with hotels, beachwear boutiques, a marina and the infamous Pier 60. Relaxing on the beach, with no highrises in sight, Pass-A-Grill on the lower end of St. Petersburg Beach offers a tranquil respite, or for those seeking a more “secluded” approach try Shell Key Preserve, no structures, just palms, dunes, white sandy beaches and resident wildlife. Ambient Accommodations From modest to magnificent, the accommodations on the Sun Coast are as unique as the communities themselves. Five-star resorts, boutique hotels, or bed and breakfasts offer a restful environment to soothe the senses. One of the most famous, situated on a 22-acre bluff overlooking Clearwater Bay, the Belleview Biltmore, built in 1897, is a private, waterside, fullservice resort offering golf, tennis, spa and beach club. Discover distinctive personal service and heartwarming ambience at the Quorum Westshore Tampa, or loose yourself at the highly acclaimed Innis Brook Resort, Palm Harbor, a 900-acre impeccable resort offering top ranked golf courses, tennis, a host of restaurants, lakes and trails. Don't miss Ybor City's beautifully restored boutique hotel, The Vincente de Ybor Historic Inn, built in 1895, and the true centerpiece of Ybor City's historic district.

SUN COAST

Niche Excursions Lively, quaint, fragrant and scenic effectively describe the many hidden treasures of the Sun Coast. Tampa's Hyde Park Village provides a perfect backdrop with its tree-lined streets, brick courtyards and fountains. You'll find an array of dining, shopping and entertainment options from The Channel Side Bay Plaza to Ybor City's historic Seventh Avenue, named as one of 2008's “Nation's Greatest Streets” by the American Planning Association. Discover an eclectic urban village in the heart of St. Petersburg at the Grand Central District, or immerse yourself in the ambiance and a rich history at The Florida Orange Groves Winery. John's Pass Village offers the feel of a unique fishing village, with shopping, dining and entertainment for the whole family. Scenic boardwalks, great restaurants, specialty wine making, and even a streetcar will transport you to the enchanted sites, sounds, aroma and rich culture of the region.

Clearwater annually hosts their four-day Jazz event featuring street performers, crafts and music. In Largo, visit the Gulf Coast Museum of Art, featuring the work of Florida artisans, or Heritage Village where Florida History comes to life. Known for its small intimate atmosphere, don't miss the Tarpon Springs Performing Arts Center hosting Broadway musicals, plays and concerts year-round. Don't miss the Henry B. Plant Museum, housed in the 1891 Tampa Bay Hotel, an architectural majesty and a designated National Historic Landmark.

Days on the Green There are plentiful manicured greens in this Golfer's Paradise, with over 300 semi-private and public golf courses, along with an average of 346 days of sunshine. Host to major golfing events, you'll find challenging courses readily available, along with golf academies to assist you sharpen your skills. TPC Tampa Bay has recently received the number 18 ranking of the top 50 public facilities in the country, by Golf World Magazine in their annual 'Reader's Choice: Best Places To Play' edition.

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SUN COAST

HAPPENINGS Year-round outdoor festivals, with tantalizing fare and spectacular sounds can be explored on the Sun Coast. Indoors, the live performances command audiences at the Mahffey Theatre January through May, and the Tampa Bay Performing Art Center almost year-round. Spectacular shows and concerts at the St. Petersburg Times Forum offer more than 150 events, annually, including ice shows, the circus and indoor sports. Enjoy year-round walking tours of the Downtown St. Petersburg Historic District, or party in Palm Harbor during their First Friday's events, when the historic district transforms into a large block party, with live entertainment and art exhibits.

Fair taking place in Tampa's trendy downtown area with courtyards and tree-lined streets. Spectacular surroundings augmented by amazing sculpture, photography and one-of-akind jewelry. May brings the Annual Tampa Bay International Dragon Boat Races in Garrison Channel featuring team paddling in a fiercely competitive fashion.

In January, convene with colorfully costumed Pirates during the Gasparilla Pirate Festival in downtown Tampa, or explore over 100 area artisans at the Dunedin Fine Art Festival.

Things begin to crank up come October with the NSRA Southeast Street Rod Nationals where vintage auto collectors from around the globe gather at the Tampa Florida State Fairgrounds. This show features over 1,400 pre-1949 vehicles in the “largest street rod show in the Southeast.” In the Lively Latin District “Guavaween” the annual celebration in Ybor City attracts thousands from around the world to the spirited parade and magnificent music venues.

February brings one of Tampa's signature annual events celebrating the Latin Heritage of Ybor City during the Sant'Yago Knight Parade and Family Festival. Experience the best of Seafood and Blues at the Annual Sea Blues Festival in Clearwater's Coachman Park, or “Mardi Gras on Main Street” in Downtown Dunedin. March plays host to the annual Gasparilla Festival of Arts where hundreds of sculptors, photographers and various artisans, from around the globe, display their work in downtown Tampa. Just in time for the onset of April, St. Petersburg gears up to host it's Annual Folk Fair featuring ethnic villages, and authentic costume, with demonstrations of time-honored craftsmanship and ethnic cuisine. In April and May the three-week Clearwater Fun N' Sun Festival plays host to over 40 events, with musical venues ranging from classical and jazz to that cool Latin beat. This is also the month for the highly anticipated Hyde Park Village Art

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FLORIDA HOMES MAGAZINE

In June and throughout the summer months, spend a night under the stars with some of nature's most amazing animals at the Lowry Park Zoo's Summer Safari Nights.

Sample the freshest seafood fare in November, with vendors and restaurants treating visitors to their famous seafood specialties during the Ruskin Seafood and Arts Festival, or if you're so inclined, sample some of the finest Cigars in the world at the Ybor City's Annual Cigar Heritage Festival. This festival brings amazing aromas, great food, live music, drinks and fun for the whole family. A host of parades, both on and off the water, holiday concerts and seasonal performances are featured, annually, during the holidays on the Sun Coast. Experience the charm of the 19th Century holiday at the Tampa Bay Hotel during the Victorian Christmas Stroll at the Henry B. Plant Museum, chosen one of the Southeast Tourism Society's Top 20 Events in December.


PLANTATION PALMS GOLF COURSE A public course, designed by David Harman, this par 72 course offers 4 sets of tees for a rewarding golf experience. The true-rolling elevated greens, water features and sand traps are challenging to every level of play. Facilities include a practice range and full-service dining.

CHEVAL GOLF AND COUNTRY CLUB A private club that is currently allowing limited public play, Cheval is considered one of the finest in the Tampa Bay area. Designed by Steve Smyers, the meticulously maintained, par 72 course, offers six tees and a pictureperfect setting. Abundant wildlife, including alligator, deer and otters provide for a completely Florida golfing experience.

THE CLUB AT EAGLEBROOKE Recognized as one of the Best Places to play by Golf Digest, there are six sets of tees, for every level of skill. Scenic lakes and rolling fairways of this meticulously maintained championship, par 72, course offers a challenge at every hole. Eaglebrooke is semi-private course, with full service country club.

FOX HOLLOW GOLF CLUB One of the Tampa Bay area's finest and well-known semiprivate golf clubs and the very last golf course to be built by world famous course designer Robert Trent Jones Sr. Fox Hollow offers a great golfing challenge, with no reminders of the outside world. The par 71 course offers five sets of tees surrounded by lush tropical foliage. INNISBROOK RESORT AND GOLF CLUB Long regarded as one of America's most celebrated golf resorts, guests will discover four magnificently designed courses, by Lawrence Packard, including the top-rated Copperhead course, on over 900 acres.

TPC TAMPA BAY GOLF CLUB An annual stop on the Champions Tour and designed by Bobby Weed, with assistance from player consultant Chi Chi Rodriguez, the course is praised by golf legends such as Jack Nicklaus, Hale Irwin, Tom Weiskopf and Ray Floyd. A par-71 layout with lakes and natural wetlands demand accuracy and finesse more than power.

C O M M U N I T I E S

GOLF COURSE

BELLEVIEW BILTMORE GOLF CLUB Beautifully located on Clearwater Bay, this historic location offers a private experience unlike no other. An American Classic, the golf course, designed by renowned course architect, Donald Ross, is a par 71, with strategically placed bunkers and water features to challenge the most experienced golfer.

WESTCHASE GOLF CLUB Designed by acclaimed architect, Lloyd Clifton, this par 72 course in deemed on of the most popular in the Tampa Bay area. Three sets of tees accommodate golfers of all skill levels, while enjoying the challenge of 213-acres of natural wetlands, lakes and conservation areas.

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THE TUSCANY exquisite design...unmatched grandeur

4823 CONOVER COURT, FORT MYERS, FL Experience the splendor of unmatched opulence in this unforgettable luxury waterfront refuge. Designed and decorated by award-winning designers and craftsmen, this one-of-a-kind masterpiece demonstrates architectural magnificence throughout. Over 13,000 exquisitely appointed square feet has been meticulously designed for the ultimate in entertaining, with no detail overlooked. Grandeur emanates from every room. From spectacular custom ceilings, LaStrada furniture, striking marble floors, a connoisseurs' wine cellar and tasting room, pneumatic elevator, with winding staircase, gourmet kitchen, grand library and state-of-the-art home theatre, to the spectacular outdoor entertaining oasis with Jerusalem marble flooring, dramatic infinity pool and sumptuous spa...every sense will be captivated.

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Capture the essence of the Florida lifestyle in 5 bedrooms, 5 full baths, 3 half baths, sumptuous master suite with whirlpool tub and gold fixtures, top-of-the-line kitchen with Wolf appliances, custom cabinetry, 3 ovens, 6-burner gas range, and Sub-Zero refrigerator, 2 laundry rooms, a 4-car garage, exceptional outdoor kitchen, billiard room and fitness room. Fifteen minutes from the Gulf of Mexico, on the Caloosahatchee River, The Cove at Palmetto Point provides the ultimate waterfront lifestyle for the yachting enthusiast. The secluded enclave of exclusive residences offers the epitome of luxury on 130' of waterfront, unrestricted gulf access and floating concrete dock to accommodate a 125' yacht. Exquisite design, impeccable style, and commitment to excellence make this paradisiacal escape the most outstanding waterfront address in all of Southwest Florida. Offered Furnished and Lavishly Appointed at $14,900,000 R

Michael & Leslie Flaherty, REALTORS Flaherty Realty, P.A. 15065 McGregor Boulevard, Suite 102, Fort Myers, FL 33908 239.849.6639 or 239.849.9595 www.FlahertyWaterfront.com Brandon Flaherty, REALTOR 239-849-0171 cell 239-466-6803 Office

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CULTURAL COAST

CULTURAL COAST

S A R A S O T A , L O N G B O A T K E Y, L I D O / S T. A R M A N D S , S I E S TA K E Y, V E N I C E , ENGLEWOOD, CASEY KEY, BOCA GRANDE, ANNA MARIA ISLAND, MANASOTA KEY, BRADENTON, LAKEWOOD RANCH, OSPREY

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The cultural capital of Southwest Florida, the Sarasota area is a haven for art patrons, musicians, and writers, performing artists, sculptors and painters. With two symphonies, an opera house, world-class ballet company, numerous playhouses and a plethora of art galleries, the region hosts festivals, visiting artists and exciting exhibits year-round. Art patrons will enjoy The Asolo Theatre Company, Florida Studio Theatre, Island Players, Lemon Bay Playhouse, or Theatre Works, and of course the Sarasota Ballet. Experience the melodic offerings of the Florida West Coast Symphony, Key Chorale, the Sarasota Jazz Club, or Venice Symphony. Sarasota and her distinctive barrier islands are home to awardwinning beaches where you can snorkel, shell or stroll through the warm azure Gulf waters. Loose yourself in the gentle

breezes and the soothing sound of lapping waves, or be completely awestruck by magnificent sunsets. Lido Beach provides a picture postcard setting along with sugary soft white sands. Enjoy the sun, or build castles in the sand while the family can stroll along the shore to St. Armand's Circle, a distinctive designation in itself consisting of upscale shops and boutiques. Don't miss one of the top beaches in the world at Siesta Key. Voted as One of “America's Best Beaches;” “Third Best Walking Beach in the USA,” by USA Today International Edition; and “The Best of the Best Sand,” by Conde Nast Traveler. To experience "Old Florida" at its finest, visit Casey Key, just to the south of Siesta Key. Picturesque winding gulffront roads make for an incredible ocean-side journey. Whether by car, or scenic bicycle ride, you'll be among some of

FLORIDA HOMES MAGAZINE

the finest homes Sarasota has to offer. Little traffic, on this remote stretch of pristine paradise, quaint inns and Old Florida resorts transport you to a simpler time with gentility and grace. Bradenton and the tropical paradise of Anna Maria Island offer a unique sense of Old Florida Charm, lush golf courses, cultural attractions and historic ambiance, along with white sand beaches and stunning sunsets. Bradenton offers a unique historic and cultural flavor, along with award winning planned communities such as Lakewood Ranch, while Anna Maria takes you back to a simpler unhurried pace and stretches a mere 7.5 miles in length and less than one mile wide. Venice abounds in natural beauty, with a quaint downtown area, tremendous live oak trees and magnificent Old Florida

appeal. A designated “Florida Main Street” community, Venice is also a cultural Mecca, with its annual festivals, galleries, live theatre and of course the Venice symphony. Also know for white sand beaches Venice's Caspersen Beach is especially appealing to naturalist's offering an unspoiled and secluded area, left primarily in its natural state. The essence of the Old South is found in the historic waterfront town of Punta Gorda. Palm-lined cobblestone streets, Victorian mansions, wide verandas and street lamps capture the spirit of a different era. The barrier island of Manasota Key offers uncrowded beaches and an ideal environment for shelling, golf or fishing in a serene setting.Located on Gasparilla Island, Boca Grande offers the perfect setting for quiet coastal living. This


unique island sanctuary features a rich history and abundant natural beauty. Peacefully nestled between Charlotte Harbor and the gorgeous Gulf of Mexico, Boca Grande reveals miles of white sand beaches, abundant parks, exceptional dining and lodging, in an intoxicating atmosphere of barefoot elegance. The Cultural Coast is well known as a golfer's paradise, boasting magnificent golf courses both public and private. Beautiful weather year-round, lush greens and tropical foliage create a perfect backdrop for the avid golfer. Many of the golf courses are associated with award-winning country club communities featuring vast acreage of natural beauty, wildlife, lakes and resort-style amenities.

Sophisticated St. Armands Circle, in Sarasota, features over 130 fine shops and gourmet restaurants. A world-renowned location, St. Armands is a market place of charming European-influenced

Location Florida's west coast between Tampa to the north and Ft. Myers to the south. Sarasota County is between Manatee County (north) and Charlotte County (south). Located on the Gulf of Mexico. Geography 571.75 square miles of land area 35 miles of beachfront Temperature 82.8 F (28.2 C) average high temperature 61.9 F (16.6 C) average low temperature Annual Precipitation 55.18 inches Average Annual Sunshine 361 days Population 325,957 residents Airport Sarasota Bradenton International Airport (941359-5200) is located at the intersection of US 41 and University Parkway.

elegance. Gracefully blending the past and the present, courtyards and treasures accompany contemporary architecture and lush tropical foliage to create an enchanting atmosphere of continental appeal. Home to world-class dining, shopping, sophisticated amenities, theaters, galleries, a symphony and the Sarasota Ballet, along with 35-miles of beaches and six barrier islands...for a while, or a lifetime, The Cultural Coast is a perfect piece of PARADISE. Don't miss Crescent Beach an 8-mile stretch of pristine beach and warm Gulf waters. A popular escape for lovebirds, the magnificent backdrop creates an ideal location for beach weddings, but also holds a peaceful allure for writers and artists. Crescent Beach holds claim to the official title of “The Worlds' Finest, Whitest Sand”.

Cost of Living Index 85.8 (less than average, U.S. average is 100) Median Resident Age 41.1 Years

CULTURAL COAST

The Gulf of Mexico invites a wealth of boating opportunities, from rentals, cruises and deep-sea fishing trips, to sightseeing and sunset tours. Take the helm of a watercraft, or let another direct your boating destination, the choices on The Cultural Coast are endless. Dolphin runs, eco-tours, kayak, or canoe, this region has the best-of-the-best in fishing and boating. Regardless of the size of your water craft, there are ample marinas to welcome you along the way. Dock for the night, or for a while. Featuring fine dining experiences, live entertainment, incredible natural beauty, and a host of aquatic wildlife, find your senses tantalized by the rich abundance of the water and the region.

Sarasota, together with its neighbors to the north and south, Manatee County and Charlotte County, form the 7th-largest market in Florida.

A magnificent array of professional theater, opera, ballet and symphony performances, home to Ringling fame and a host of yearround art and music events, this region has earned the title of Florida’s “Cultural Coast."

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DON’T MISS

CULTURAL COAST

BEING HOME TO PROFESSIONAL THEATER, OPERA, BALLET AND SYMPHONY, ALONG WITH A VARIETY OF ART AND MUSIC EVENTS, THIS REGION HAS EARNED THE TITLE OF FLORIDA’S “CULTURAL COAST”. Savor the Flavors After a great day of exploration, or before you embark, there are great restaurants in the region to satisfy any taste. The Bay View Bar & Grill at the Ritz-Carlton Sarasota, offers full bay views and uncomplicated cuisine in a Florida Casual outdoor setting. Try the Crow's Nest Marina Restaurant, Venice's waterfront landmark since 1976 and voted "Venice's Best All Around Restaurant," or The Monkey Room on Longboat Key featuring a spirited ambiance and creative island-influenced cuisine. Don't miss breakfast at Siesta Key's Broken Egg, or the magnificence of Chef Paul Mattison at Mattison's Riverside at Twin Dolphin Marina in Bradenton, sunset at The Sandbar on Anna Maria, or The Captains Table at Fisherman's Village, in Punta Gorda, with exceptional local seafood fare and some of the best Florida views available. Notable Nightlife When the sun goes down, the fun's just begun on the Cultural Coast. Live music, dance floors, mild breezes, twinkling white lights and tiki torches are all components of the silk & sandals nightlife. Don't miss the Five O'Clock Club, the Gator Club, Siesta Key Oyster Bar, The Beach Club on Siesta Key, Blasé' Café' or Mattison's City Grille where you're sure to find great food, outdoor dining, exotic beverages and magnificent music. Water Wonders If it's fishing that interests you there are more than 1000 species of fish, along with endless bays, rivers and streams to keep you reeling-them-in on Florida's Southwest Coast. Tarpon enthusiasts find the months of May and June offer adventure in the world famous Boca Grande Pass. And, don't forget about the Redfish, Snook and Trout. Check out the action on Anna Maria City Pier, or have all of your fishing needs met at Englewood Bait House. The warm Gulf waters are not just for fishing, try snorkeling or scuba at Crescent Beach's Point-ofRocks, kayak or canoe at Myakka River State Park, or dock your vessel at one of the regions marvelous marinas. Native Adventure For a real native adventure, the wildlife, avian life and flora of the Cultural Coast can be found in the state parks, along the beach, or at one of the aquariums, botanical gardens or museums. Don't miss the Crowley Museum and Nature Center, Mote Marine, The Parker Manatee Aquarium, or

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Sarasota Jungle Gardens where you can convene with Florida's greatest natural assets, alligators, manatee, flamingos, deer and armadillos. Botanical Bounty The natural bounty of the area will amaze you. From the worldrenowned Marie Selby Gardens to the Rose Garden of Mable Ringling, take a stroll through lush gardens throughout the area. Don't miss Historic Spanish Point a window into 5,000 years of human history, Oscar Scherer State Park or Caspersen beach, where you can hike, bike and search for shells or sharks teeth. Niche Excursions From St. Armands Circle, Downtown Sarasota and Main Street to the quaint offerings of Downtown Venice and Englewood's Dearborn Street, shop and discover the neighborhoods rich in cultural as well as historical flair. Palm-lined streets, renaissance architecture, secret gardens, casual outdoor cafes, along with intriguing boutiques will have you wondering what's around every corner. Curtain Call So much to experience…live performances at the symphony, the ballet, or theatre. All along the cultural coast you'll find performing artists waiting for their next encore'. Not to be missed Sarasota: Opera House, Florida Studio Theater, Sarasota Ballet of Florida, Venice Little Theatre, The Asolo Repertory Theatre, The West Coast Black Theatre Troupe, Banyan Theatre Company, FSU Center for the Performing Arts, Venice Symphony and Lemon Bay Playhouse.


Circus Enthusiasts A tremendous component of this region's heritage is attributed to John and Mable Ringling. The region boasts romantic gardens and Mansions to the infamous Sailor Circus. Don't miss the Tito Gaena Flying Trapeze Academy in Venice or Circus Sarasota, The Ringling Museum of Art, The Ringling Museum of the Circus offering the history of the Greatest Show on Earth, or the Sarasota Classic Car museum featuring four vehicles used personally by John Ringling.

Sunscreen Required World renowned beaches await on the Cultural Coast. Pristine and unspoiled, surrounded by natural bounty and sunlit splendor, each area of the coast offers a unique experience. Quiet North Lido Beach, the action of Siesta Beach or the petfriendly Brohard Park offer something for everyone in the family. Try shelling on Turtle Beach, near the southern end of Siesta Key, or on Caspersen Beach in Venice, where you'll find much of the area in its natural state. Longboat Key features magnificently manicured communities, as well as tropical havens tucked away in a traditional “Old Florida” style. For a true Old Florida adventure, Gasparilla Island holds the allure of a quaint Florida village, with abundant wildlife, or ferry to Little Gasparilla Island, accessible only by boat, offering the tranquility of a remote island paradise.

On The Green Some of the finest golf courses in the US are located on the Cultural Coast. Area resort accommodations often include outstanding golf courses. Try the course at the Boca Grand Resort, or the Ritz-Carlton Sarasota. You'll find public play at Sarasota's Bobby Jones Golf Complex, SunCoast Golf Center, Sunrise Golf Club, Lake Venice Golf Club in Venice or the Manatee County Golf Course in Bradenton. Voted among the “Best Places to Play” by readers of Golf Digest 2008-2009, The Legacy Golf Club at Lakewood Ranch offers a level of service and greens found at world-class private facilities. This Arnold Palmer Signature 18-hole golf course is open to the public and was also voted one of America's Top Golf Courses by ZAGAT Survey 2007-2008. Consistently noted as one of America's best places to live work and play, the list of accolades for this area is long. Best Places to Live “Top 100 Places to Live and Launch/Money Magazine” The Great weather and cultural climate, in addition to a strong retirement and tourism market placed Sarasota in the Top areas to Live and Launch a Business (2008). Countless activities and clubs geared toward singles, and organized around interests from wine tasting to ballroom dancing led Fortune Magazine to rank Sarasota as one of the Top locations to” Retire In Style.” The endless parade of black-tie events means lots of opportunities for a night on the town with your date (2006). Excellence in Health Care For the second year in a row, Sarasota Memorial Hospital was listed among “America's Safest Hospitals” by Forbes.com (2009). Widely accepted as the gold standard of patient care, Sarasota Memorial Hospital received re-designation as a "Magnet" hospital by the American Nurses Credentialing Center (ANCC) (2008). Sarasota Memorial Hospital received a Sliver Performance Achievement Award from the American Stroke Association recognizing their commitment and success in implementing a higher standard of stroke care (2007).

CULTURAL COAST

Creative Expressions An intrinsic component of the areas culture that has drawn international recognition, art is a mainstay of the region. From the Ringling Museum of Art and the Historic Oslo Theatre to the countless galleries in our Downtown districts, you'll experience one-of-a-kind sculptures appearing seasonally along Sarasota's Bay front. A Stroll down Venice Avenue is an art enthusiast dream. Visit the Collector's Gallery with the bold sweeping canvases and the work of Maryanne Jacobsen, or the Venice Art Center, the oldest community art center on Florida's Culture Coast, offering ongoing exhibits and workshops for the community. Don't miss Village of the Arts in downtown Bradenton featuring artisans representing an eclectic mix or mediums including photography, pottery, jewelry and furniture makers.

Ambient Accommodations Magnificent downtown Sarasota and Sarasota Bay views await at the world renowned Ritz-Carlton Sarasota featuring the finest of resort amenities, golf, fine dining, tropical resort pool, Jacuzzi and even programs for the kids. Helmsley Sandcastle Hotel located on Lido Beach, offers a storybook seaside setting, with 600 ft of private beach on the gorgeous Gulf of Mexico. The Lido Beach Resort is a tropical beachfront location on Lido Key, with warm hospitality and top-notch service in a casual tropical venue. Relaxation, with personalized and friendly service, is what you can expect from the Inn at the Beach in Venice. The Seaside Inn Beach Resort on Anna Maria features a casual appeal in a boutique hotel environment. Try tennis, golf or take a romantic retreat at the Gasparilla Inn and Club on Gasparilla Island, a premier destination on Florida's Gulf Coast since 1913.

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CULTURAL COAST

HAPPENINGS On the fourth weekend in January the Annual Arts and Crafts Festival is held at the Venice Municipal Airport. The Venice Symphony begins its season in January and has concerts on the first Friday of the month through April. The Venice Little Theatre runs from October through May, while the Golden Apple Dinner Theatre features year-round performances. Each January brings Sarasota Arts Day, a celebration of the local artists, on the streets of downtown Sarasota, along with the St. Armands Circle's Winter Art Festival, Punta Gorda's Sullivan Street Craft Festival and the Annual Downtown Venice

Craft Festival. The official opening of the Opera Season includes a Sarasota extravaganza and the Winter Concert Series of the Jazz Club of Sarasota. January also plays host to Circus Sarasota Opening Night and the Southwest Florida Heritage Festival at the Crowley Museum. In February, when our northern counterparts are shoveling snow, we are continuing to enjoy outdoor recreation and numerous festivals including the Anna Maria Island Art & Craft Festival, Venice Craft Festival and Siesta Fiesta Craft Fair. March winds bring the Annual Downtown Venice Art Classic, while live performances continue this month at Florida Studio Theatre and The Van Wezel Performing Arts Center, along with many others throughout the area. April offers up the 17th Annual Sharks Tooth Festival, along with the Florida Winefest & Auction at the Longboat Key Club. The Sarasota Jazz Festival held this month brings great bigband, blues and more to the heralded week-long event.

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In May and June, we're closing another cultural season, but the art doesn't stop on the Cultural Coast. Theatrical performances continue at FSU/Asolo Conservatory, Venice Theater Cabaret Series and Asolo Repertory, while The Sarasota Opera hosts its annual Summer at the Symphony. Outdoor activities and events include the Annual Siesta Key Sand Sculpture Contest and Historic Burns Square Artists' Market. During the summer months the area hosts legions of fishing tournaments, along with local art festivals and exhibitions. The fall is ablaze with vibrence and brings a host of outdoor

festivals to tantalize the senses. Music, cars, local fare, crafts and so much more at The St. Armand's Circle Annual Art Festival, Annual Sarasota Craft Festival, Anna Maria Island Bayfest, The Annual Sarasota Blues Festival, The Venice Art Festival, Annual Taste of Manatee, St. Armands' Circle Classic Antique Car Show and Annual Siesta Beach Holiday Arts and Craft Shows. The holiday season is jam-packed with activities. Holiday parades, Winter Festivals, and of course ART…always. December brings the Art Walk at Towles Court, The Annual Festival of Trees, Holiday Night on St. Armands Circle, Anna Maria Island's Annual Winter Festival, The Annual Sarasota Christmas Boat Parade of Lights, The Sarasota Holiday Parade, The Lighted Boat Parade at Bradenton Yacht Club and The Venice Christmas Boat Parade. You'll be entertained right up till the time of The Pineapple Drop at Midnight on New Years' Eve in Downtown Sarasota.


GOLF CLUB AT CAPRI ISLE The meticulously maintained semi-private 18-hole, par 72, course is open to the public and guarantees a challenge for both the serious and casual player. Numerous water features add the need for strategy at every hole. THE FOUNDERS CLUB Committed to the timeless traditions of Scottish links, the Founders Club offers 700-acres of natural beauty and sophisticated amenities. A private club, the fairways of the 18-hole Signature Robert Trent Jones, Jr. course is available to only 275 exclusive golf memberships.

LEGACY AT LAKEWOOD RANCH Legacy is an upscale, 18-hole championship, daily fee course. This highly acclaimed and award winning Arnold Palmer Signature Design course offers a challenge for all skill levels, along with a level of service and conditions found at world-class private facilities. The course features elevated multiple tees, and framed with sand and water. A 360-foot wide fairway, on all corridors, appears visually challenging, while still approachable.

C O M M U

MEMBERS GOLF CLUB RITZ-CARLTON RESORT SARASOTA An 18-hole championship course, designed by Tom Fazio, the course is open to guests of the Ritz Carlton. Located on 315 acres of lush and tropical surrounding, this award-winning par-72 course is a Certified Audubon Cooperative Sanctuary through the Audubon Cooperative Sanctuary Program for Golf Courses.

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RIVERWOOD GOLF CLUB A Golf Digest 4 1/2 star course, with unique design features and tremendous natural beauty, you'll find an abundance of native vegetation and lush landscape. The front nine, Gene Bates, designed par 72 championship course plays through a heavily wooded terrain, while the back nine offers vistas of incredible wetlands.

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STONEYBROOK GOLF AND COUNTRY CLUB The 18-hole "Stoneybrook" semi-private course features 6,820 yards of golf from the longest tees, for a par of 72. Designed by famed Arthur Hills, ASGCA, you'll find ample course challenges and superior guest services to make your golfing experience a memorable one.

I T I S

GOLF COURSE

HERON CREEK GOLF AND COUNTRY CLUB The 27-hole championship golf course at Heron Creek was designed famed architect Arthur Hills. A superb natural design creates a spectacular golfing experience. Meticulously maintained, the course design challenges golfers at every skill level without intimidation.

WATERLEFE GOLF AND RIVER CLUB An 18-hole luxury golf course, Waterlefe offers an unrivaled natural setting along the Manatee River. A collection of signature golf holes designed by course architect Ted McAnlis provides a competitive layout and challenge for golfers of all skill levels.

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Custom 10-Acre Equestrian Estate

Great Pool Home Near Beach

Enjoy Maintenance Free Living

This beautiful 10-acre estate with oaks trees and all fenced in. Located just 5 miles east of I75. 4 bedrooms, 3 baths custom pool home is country living at its finest. No deed restrictions. $699,900

This is the place to call home. Open and spacious floor plan, 3 bedroom, 2 bath pool home. Lots of storage. Minutes to Pineview School, shopping and beaches. Location, location, location! $290,000

Turnkey furnished 2 bedroom, 2 bath villa overlooks the pond with fountain. Convenient location near public transportation, schools, shopping, downtown Sarasota and I-75. $119,900

Helene A. Vollmer, GRI, Realtor Cell 941 504 3832 Office 941 487 5201 email: helenevollmer@gmail.com

A rare opportunity to own one of the more private and secluded waterfront properties on Casey Key, Sarasota, Florida.

A truly unique opportunity to own a very private and secluded part of one of the most prestigious parts of Florida. At the end of a private driveway, this wonderful and totally unique bay front home is tucked away, providing the ultimate privacy. It is truly a boaters dream, with more than 300 ft of seawall and sailboat waters. A uniquely designed boat basin at the eastern side and a deep water canal on the northern side of the property. Water views from every where of this 4 bedroom 4 baths home. The views from the second level are particularly spectacular. Price $1,985,000 www.caseykey-homes.com

Helene A. Vollmer, GRI, Realtor Cell 941 504 3832 Office 941 487 5201 email: helenevollmer@gmail.com

Per & Helena Nordstrom, Realtors Cell Per 941 228 1080 Cell Helena 941 228 7356 email: info@teamnordstrom.com


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RESORT STYLE LIVING ON THE MANATEE RIVER IN BRADENTON. This luxurious waterfront home in gated Hawk Island community is over 4200 SF of quality construction and upgraded materials that create a sophisticated, casual lifestyle of entertaining, boating and fishing. This exceptional piece of paradise has a private fishing pier and gated boat dock offering direct access to the Gulf of Mexico. Custom designed detailing is apparent in every room with marble inlays and designs throughout. Beautiful furniture quality cabinetry with granite enhances this home's kitchen complete with a wine storage closet. The master bedroom suite has the convenience of a full wet bar and a private outdoor heated spa overlooking the water. The media room shares a double sided fireplace with the great room and offers a full wet bar and a computer area. All the rooms along the back open to breath taking views of the river and magnificent sunsets. Enjoy the expansive covered outdoor gathering area year round with a fireplace, half bath, full wet bar with a built-in stainless gas grill. Living life at this exceptional piece of paradise is a dream come true. Offered at $1,995,000.

DUCK KEY COMMUNITY. Perfect Florida setting in North Port for relaxing and fishing from your boat dock or spending the day exploring the Myakka River waterways to the Gulf of Mexico. The home is over 2200 SF with 8' sliders in the morning room, great room and master bedroom. Entertaining is fun on the screened deck/lanai with outdoor kitchen. Contract Pending. Offered at $264,900.

ONE OF A KIND HOME IN THE HEART SARASOTA. This Colonial style home is nestled on a corner lot among beautiful, mature shade trees in the desirable Woodland Park Community. This home is 2266 SF of solid construction with brick exterior and wood framed windows. The master bedroom features a walk-in closet and wood burning fireplace. The fenced yard offers privacy for year round outdoor entertaining on the patio and large screened wood deck off the back of the house. Offered at $285,000.

Call Jean Fox for details 941.350.2411 jeanfox@prudentialpalmsrealty.com


Country Club Shores Longboat Key

Country Club Shores Longboat Key

Tangerine Bay Club Longboat Key

Sarasota Bay is yours with this stately and gracious 4BD/4BA waterfront residence. Expansive screened patio/entertainment area with state of the art outdoor kitchen & bayfront pool & spa. Experience the magic of waterfront living. Offered at $3,650,000.

Magnificent bay front estate on south Longboat Key. 8,000 square feet of luxury featuring 4 en suite bedrooms, 5 baths, an elevator, two docks and lifts and 180 degree views. Offered at $4,750,000.

Pristine 3BD/2.5BA condo located on the southern most end of Longboat Key. Unit overlooks the tropical landscaped lagoon & pool in addition to the bay. Amenities include clubhouse, fitness center, tennis, fishing pier and membership to Bay Isles private beach. Offered at $865,000.

Emerald Harbor Longboat Key

Castillian Longboat Key

Country Club Shores Longboat Key

Spectacular waterfront lot in one of Longboat Key's most sought after communities. Situated at the end of a cul-de-sac and boasting 150' of bay front scenery. Your new home will offer not only enchanting deep water and preserve views but also sweeping city views. This is coastal living at it's finest. Offered at $1,675,000.

Stunningly updated and furnished 3 bedroom, 2.5 bath end unit. Direct gulf front views of pool, tennis courts & bay. This is one of Longboat Key's most sought after condominium complexes and located on one of its most spectacular beaches. Offered at $995,000.

Absolutely charming 3 bedroom, 2 bath ranch home situated on one of Longboat Key's shortest deep water canals. Lovely bay views from the expansive screened lanai. Deeded beach access is just a short walk away. Offered at $830,000.

Call Teri Sax for details

941-228-5578


Fine Homes in Lakewood Ranch

LAKEWOOD RANCH COUNTRY CLUB. A truly unique home, 3895 sq ft custom masterpiece, built by John Cannon located on a quiet cul de sac, large pie shaped lot overlooking lake, mature trees and nature preserve. 4 bedroom, 3.5 bathrooms, office, heated pool and spa. Wide plank walnut wood flooring in living areas & master bedroom. Extensive built ins throughout includin g two offices & media center. Top of the line kitchen appliance, Sub Zero, Dacor, Fischer Paykel, 150 bottle wine cooler. Lutron controlled lighting system for custom light settings. Multi media remote sound system. Water purification system. Whole home built to Miami Dade building code. Offered at $1.295,000

LAKE VIEWS AT LAKEWOOD RANCH. Rarely available, five bedrooms, five five bathrooms, with office and huge upstairs bonus room. Totally remodeled in 2008, an Arthur Rutenberg built home. Offering almost 4000 sq ft of quality living space which includes porcelain tile throughout the main living areas, extensive crown molding and custom trim, pocketing sliding doors, custom wood cabinetry and granite counters throughout, stainless steel appliances, distributed sound system throughout the home, surround sound in the family room and bonus room, large office, central vacuum, upstairs bonus room with large custom built-in wet bar, refrigerator and pocketing sliders to the balcony with a lake view. Offered at $799,000.

GOLF COURSE VIEWS IN LAKEWOOD RANCH COUNTRY CLUB. This beautiful, custom built, home shows like a model. Offering 3163 sq ft. three bedrooms, 3 bathrooms, office/den and a music area. Features include leaded glass front doors, dry bar with two wine coolers, crown molding, custom ceilings, faux painting, plantation shutters and beautiful custom draperies. Spacious office with custom built-ins. Central vac. Quality fans and light fixtures & chandeliers throughout. Chefs kitchen with Thermador gas range and ovens, Bosch dishwasher, quality wood cabinetry, granite countertops & over cabinet lighting. Lovely heated pool and spa with large paved deck overlooking golf course. Offered at $899,000

Ian Cutmore 941-545-5616 Ian@lakewoodranchhomesearch.com Julie Cutmore 941-545-0515 Julie@lakewoodranchhomesearch.com

Ian & Julie Cutmore specialize in Lakewood Ranch Florida, voted #1 Master Planned Community in the USA. Having relocated from the UK in 2001, the Cutmores understand the needs and concerns of their international clientele. Call Ian for more details. 941-545-5616 Email julie@lakewoodranchhomesearch.com Website www.callthecutmores.com


PARADISE COAST

PARADISE COAST

NAPLES, MARCO ISLAND, SANIBEL, CAPTIVA, BONITA SPRINGS, FORT MYERS, CAPE CORAL, FLORIDA EVERGLADES

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The Paradise Coast, comprised of Naples, Marco Island & the Florida Everglades, offers unsurpassed natural beauty, a strong nature conservancy focus, upscale neighborhoods, over 130 highly acclaimed golf courses, fine dining, along with renowned cultural events and art exhibits. The surrounding communities of Fort Myers, Sanibel, Captiva, Bonita Springs and Cape Coral augment this fascinating region along Florida's Southwest Coast. Art enthusiasts, nature lovers, boaters and golfers are drawn to the magnificence of the area, with opportunities to explore Florida's “wild side” in the Everglades, or experience distinctive culinary delights in Naples. The finest in resorts, award-winning restaurants and luxuries abound, while romantic islands beckon with white sand beaches, crystal clear Gulf waters, swaying palms and some of the best shelling in the world.

Naples' European charm and tropical climate invite residents and visitors to rejuvenate, recreate and explore year-round. Named the best “Small Art Town” in 2005's publication of the 100 Best Art Towns in America, Naples shimmers in the art and cultural arena. Venues include over 130 galleries, historical attractions, the Philharmonic Center for the Arts, home of the Naples Philharmonic, and the Naples Museum of Art. Explore the shopping districts of Fifth Avenue South, with restored historic city center buildings and sidewalk cafes, or Third Street South with its small-town aura, tree-lined streets, chic boutiques and European bistros. The Naples downtown waterfront district features the exceptional Bayfront Marina, unique shops, galleries, or try the local sea fare at one of Tin City's restaurants with beautiful views of Naples Bay.

FLORIDA HOMES MAGAZINE

Naples sets the standard for Golf in Southwest Florida. Over 140 golf courses can be experienced in the Naples-Marco Island area. Surrounded by nature's abundance, you're assured each day on the green is a unique experience. Worldclass courses and pristine greens, under the watchful eye of eagles, osprey or alligators are sure to stimulate the senses. Thirty minutes to the south of Naples is the world-class resort destination of Marco Island, with distinctive dining, miles of pristine beaches, cavorting dolphins and uninhabited tropical islands. The largest of Florida's “Ten Thousand Islands” Marco Island has retained much of its natural beauty. Gulf waters invite fishing, manatee excursions, dinner cruises, shelling and snorkeling. Relax in the sun, or thrill to an Everglades airboat adventure. Surrounded by protected areas, Big Cypress

National Preserve, 10,000 Island National Wildlife Refuge and the Everglades National Park assure Florida's fragile wildlife, eco-systems, coastline and natural bounty remain the state's greatest treasures. Magnificent Royal Palm-lined streets have earned Fort Myers the celebrated title of the "City of Palms." Trustees of the winter estates of Henry Ford and Thomas Edison, poised upon the Caloosahatchee River, this pristine community has become an intoxicating blend of old and new. Boasting highly acclaimed golf courses, magnificent architecture, and a thriving arts community. Take in a show at the Florida Repertory Theatre, The Broadway Palm Dinner Theatre, or experience some of Broadway's finest at the Barbara B. Mann Performing Arts Hall.


The laid-back Fort Myers beach has gained recognition as the “World's Safest Beach”, with its calm waters and pristine beach stretching the length of the 7-mile island. A splendid destination for family fun, exceptional dining, lots of silky sand, sun and water sports. Fort Myers Beach provides the gateway to the Islands of Sanibel and Captiva. Sanibel and Captiva feature 15-miles of unspoiled beaches, 22-miles of bike path and no stop lights. The quaint island lifestyle offers amazing alfresco dining, two, Audubon Cooperative Sanctuary, 18-hole golf courses, live performances at Big Arts cultural center of the islands, along with the acclaimed annual Sanibel Music Festival each March.

Referred to as “The Gateway to the Gulf of Mexico,” Bonita Springs lies between Fort Myers and Naples, along the gorgeous Gulf. Sparkling white sand and clear waters, along with the amazing natural beauty, this Paradise Coast community offers quiet seclusion as well as outdoor recreation and resort amenities.

Location Florida's west coast , Collier County is just south of Sarasota on Highway 41 and Florida's Gulf Coast. Geography Collier County 2,025.5 square miles (making it the largest county in the State of Florida, based on land area). Temperature 91° F high temperature 54° F low temperature 77° F annual average temperature Annual Precipitation 51.3 inches Average Annual Sunshine 324 days Population 21,377 residents Airport Naples Municipal Airport is located minutes from downtown Naples and Interstate 75, serving as the gateway to "paradise.” 239643-0733 Cost of Living Index 130 (U.S. average is 100)

From the epitome in refined European elegance to unpretentious barrier islands, theatrical performances, or swamp buggy races, the Paradise Coast will embrace you with her charm, mesmerize you with her natural beauty, and tantalize the senses with her chic boutiques, luxurious resorts and culinary delights. The Florida Everglades and Ten Thousand Islands, at the tip of South Florida, is an impressive ecosystem, rugged, beautiful and intricately diverse. From the marine life of Florida Bay, to cypress swamps and topical hammocks, there's something magical about this enchanted and yet fragile area that provides recreational as well as valuable environmental resources.

Median Resident Age 44.4 Years

PARADISE COAST

Sanibel Island Beach is on of the best that Florida has to offer. Still largely a well-kept secret, the tranquil surroundings are popular with windsurfers and wildlife. Captiva Island Beach, near the Bahia Honda Channel, features stunning reefs and marvelous snorkeling.

Naples, Marco-Island, Fort Myers, along with the neighboring barrier islands and Florida Everglades offer a beachside location, vibrant arts scene, high-end shopping and nature preserves. In 2005, Naples was voted the “best beach in America” by the Travel Channel as well as the number one “small art city in America”.

Don't miss Lover's Key Beach, ranked among the “Top Ten Florida Beaches" by the Travel Channel, this peaceful respite offers an intriguing island getaway for sunsets and stargazing.

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DON’T MISS

PARADISE COAST

MILES OF PRISTINE BEACHES, UPSCALE AMENITIES, ALONG WITH THE ABUNDANCE OF PICTURESQUE WILDERNESS AND WETLANDS DEPICT THIS AREA AS “FLORIDA’S LAST PARADISE” AND HAVE EARNED THIS REGION THE TITLE OF FLORIDA’S “PARADISE COAST.”

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Savor the Flavors Dining options on the Paradise Coast are a true culinary delight. Open-air, international cuisine, steak house, or local seafood, the delectable local fare is a tantalizing component of this refined community. Upscale, or casual, a wide range of culinary influences and award-winning chefs, create the ultimate dining experience. The Turtle Club Restaurant at the Vanderbilt Beach Resort offers a magnificent beachfront dining experience. Their outstanding cuisine and gracious service earned them the honor of Naples “Best Waterfront Dining,” by the Naples Daily News in 2007. Bayhouse Restaurant, overlooking Osprey Bay and the Cocohatchee Wildlife Preserve, is one of the most respected seafood restaurants in the area, while picturesque bay views and continental cuisine compliment the M Waterfront Grill. The Dock at Crayon Cove is an open-air restaurant with ideal views of Naples Bay. Informal, you'll feel like you've arrived at a special island retreat. Fort Myers' Varanda provides a charming atmosphere at its circa.1902 location, specializing in regional flavors and marvelous seafood. Bokeelia's acclaimed dining at the Tarpon Lodge & Restaurant features spectacular water views, sunsets and cuisine. In Bonita Springs try Doc's Beach House Restaurant, a local landmark, steps from the Gulf, serving breakfast, lunch and dinner. Or, for some of the best seafood around, try Pinchers Crab Shack. In addition to the restaurant, there's a fresh seafood market, with the days local catch. Notable Nightlife When the sun goes down, the nights heat-up on the Paradise Coast. The Tiki Bar at Sam Seltzer's, Fort Myers features a huge tiki bar, live music and spirits. Naples' Shane's Cabana Bar is a spectacular outdoor destination, directly over the water, featuring a full bar, tropical specialty drinks and martinis. If you're looking for jazz, Sanibel's Ellington's Jazz Bar & Restaurant books a fantastic array of pianists, saxophonists, guitarists and more. This old-school jazz spot hosts Ellington's signature white grand piano. At its marvelous Venetian Bay location, M Lounge features spectacular views, spirits and a full calendar of live weekend music. Take an evening cruise, with live music, aboard the Big M Casino at Fort Myers Beach. Try your hand at Las Vegas casino-style gambling aboard a 162-foot yacht, with black jack, roulette, shot machines and dining.

FLORIDA HOMES MAGAZINE

Water Wonders Beyond the abundant fishing options and venues, there are numerous water adventures on the Paradise Coast. Snorkeling, challenging deep-sea charters, air boat excursions and dinner cruises offer something for every water enthusiast. Marco Island Sea Excursions offer water adventures to fish, sail, or tour the islands. While you're so near the exhilarating Florida Everglades, don't miss the opportunity to take an air boat ride. Captiva Cruises offer a Dolphin Watch excursion, the Sunset Serenade Cruise, with live entertainment, as well as shelling cruises to Cayo Costa. Native Adventure The Paradise Coast takes its nature conservancy role seriously with environmental activities and tours that highlight the area's rare, exotic and fragile wildlife. Everglades-fringe ecology reveals a private world of wetlands, salt and freshwater marshes along with an extensive system of backcountry mangrove estuaries. Abundant nature preserves, wildlife sanctuaries and protected habits offer tremendous opportunities to view native wildlife whether on water, or on land. In the upper segment of the Fakahatchee Strand of the Big Cypress Swamp, the Florida Panther National Wildlife Refuge works fervently to protect, preserve and repopulate the endangered Florida Panther. Big Cypress National Preserve protects over 720,000 acres of the vast Big Cypress Swamp and contains a diversity of wildlife, including the elusive Florida Panther. Everglades National Park, is the only one of its kind and the largest subtropical wilderness in the United States, protecting rare and endangered species.


Botanical Bounty On a hiking trail, via canoe or by island tour, the vast array of State Parks on the Paradise Coast will provide scenic journeys into the secluded sanctuaries of exotic plants vital to the survival of local wetlands and wildlife. Discover the unique plants and animals that make this coastal ecosystem so valuable. Visit Delnor-Wiggins Pass State Park for an introduction to beach ecology, Cohatachee Nature Center for kayaking, or canoeing the fascinating estuaries, Fakahatchee Strand Preserve State Park with a marvelous collection of wild orchids, Bald Cpress and native Royal Palms, with a boardwalk to a virgin cypress strand, or Rookery Bay

Niche Excursions Palm-lined streets, European bistros and historic treasures of the Paradise Coast offer avenues of enchantment. Spend the day at Naples City Dock at Crayton Cove. Featuring the largest fishing and sailing charter fleets in the area, you'll find sightseeing excursions, shopping, restaurants and lodging. Naples Tin City Waterfront Marketplace recalls the area's nautical past, with unique boutiques and great restaurants. Visit the estates of Thomas Edison and Henry Ford in the heart of Fort Myers for an exploration into the fascinating history behind two of the world's most remarkable men. A trip to the tip of Sanibel reveals the Sanibel Lighthouse, a beacon to nautical navigators since 1884. Curtain Call The Paradise Coast glistens with a refined appreciation for the performing arts. The Philharmonic Center for the Arts is the premiere performance hall in the region, and home to the Naples Philharmonic. Broadway Palm Dinner Theatre accommodates 450 guests, and features eight professional

Creative Expressions Creative talent and art patrons are enthralled by the galleries and exhibits of the Naples area. From the collection of over 130 galleries, outstanding permanent collections and traveling exhibits at the Naples Museum of Art, to the eclectic galleries of Fifth Avenue South and Third Street South. Throughout the year there are hundreds of art and cultural events in the area monthly. Sunscreen Required The Paradise Coast is a prime location for beach goers. Naples' features 10 miles of silken sand and one of the most beautiful beach parks in the state at Lowdermilk Park Public Beach. The Travel Channel's Beach Week Expert Panel selected Naples, Florida as “America's Best All-Around Beach� for 2005. Lovers Key offers an unspoiled state park to enjoy the magnificent Gulf sunsets and Marco Island's Tigertail Beach is picture postcard perfect. Fort Myers Beach is recognized as one of the safest beaches in the world and Sanibel Island Beach is undoubtedly one of the best Florida beaches. Ambient Accommodations Resort amenities, sumptuous surroundings and spectacular golf courses typify the amazing accommodations on the Paradise Coast. LaPlaya Resort is one of Florida's finest resort hotels. It's marvelous location between the Gulf of Mexico and Vanderbilt Bay offer guests the ultimate tropical experience. The Vanderbilt Beach Resort offers 5-miles of white sand beach, elevated tennis courts, a beachside infinity pool and award- winning full service restaurant. For a Tuscan inspired resort Bellasera Hotel, located in the heart of Old Naples, offers a distinctive ambiance, Italian architecture, courtyard fountains and marvelous amenities near Naples Fifth Avenue South. Sanibel Harbour Resort & Spa boasts a haven of hospitality and refined luxury in an idyllic setting. Marco Island Marriott Beach Resort, Golf Club & Spa, nestled on 3-miles of sun swept beaches, transports you to a tropical and luxurious enclave. No passport required to be embraced by the peaceful Gulf waters, beachside tropical pool, luxurious spa and private golf course.

PARADISE COAST

Environmental Learning Center for a guided exploration of the bays and mangrove forests of Rookery Bay. At the Naples Zoo you'll find Caribbean Gardens. This historic tropical garden was founded in 1919 and offers 52-acres of botanical bounty and exotic plants. The Naples Botanical Gardens offers tropical gardens with beautifully restored natural habitats, and an interactive children's garden. At the conservancy of Southwest Florida, explore the vast natural habits via boat, conoe, kayak, or through one of the many hands-on exhibits.

productions each season January through August. The Barbara B. Mann Performing Arts Hall in Fort Myers offers outstanding Broadway Series as well as dance productions January through July, while the Florida Repertory Theater features live theatrical performances October through June.

On The Green The Paradise Coast and the Naples area set the standard for golf in South Florida. Naples has more golf courses per capita than any other area in the world. One of the exceptional attributes of playing golf on the Paradise Coast is the amazing abundance of nature, natural water hazards and interesting wildlife. Numerous area resorts feature stunning greens, along with amazing amenities.

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PARADISE COAST

HAPPENINGS You'll be enthralled by the leisure activities and abundant recreation, sun swept beaches, endless days on the green and tantalizing sunsets of the Paradise Coast. But there is much to experience when it comes to great music, art and festivals throughout the year.

February is also the month for the Annual Everglades Seafood Festival in Everglades City, the Naples National Art Festival, the Naples Jazz Festival in Cambier Park, the Annual Mardi Gras Celebration downtown Naples and Annual Photography Exhibit at Rookery Bay, along with the Annual Art fest in Fort Myers.

Monthly events, exhibits and series welcome the entire family into the worlds of watercolor, history, great music and wildlife discovery. Exhibits and educational programs at the Museum of the Everglades, Naples Historical Society, Naples Museum of Art, Naples Botanical Gardens and the Collier County

March brings the Fort Myers Beach Shrimp Festival, Annual Sanibel Shell Fair, Cape Coral Sounds of Jazz, The All Florida Championship Rodeo and Major League Baseball Spring Training with the Red Sox in Fort Myers. Into April Marco Island's Annual Film Festival includes elegant parties, as well

Museum continue throughout the year. Marco Island Center for the Arts features exhibits in the Lauritzen/Rush Gallery and MacFarland Atrium Gallery, while the “Art in the Park” exhibits showcase the talent of Naples Art Association members.

as film screenings. Fort Myers hosts its River and Blues Festival, while you can capture tropical delights at Sanibel/Captiva's Taste of The Islands. May serves up the Taste of Collier in downtown Naples, featuring the culinary talents and fare of local restaurateurs. The annual Great Dock Canoe Race on Naples Bay happens in May and July brings the Fort Myers Beach Annual Taste of the Beach.

January through July, you'll find Broadway Series productions at the Barbara B. Mann Performing Arts Hall in Fort Myers. October through June the Florida Repertory presents awarding winning theatrical performances, or be entertained year round at the Broadway Palm Dinner Theatre's concert series and Off Broadway performances. In January, the music abounds at the Philharmonic, while the seafood and entertainment spice up the Goodland community at their annual Mullet Festival. In Fort Myers the Annual Medieval Faire and Thomas Alva Edison Regional Science & Inventor's Fair begin the year, while Cape Coral hosts its Annual Festival of Arts and Bonita Springs hosts is National Art Festival. From the end of January into February, the Edison Festival of Lights in Fort Myers includes a regatta, fireworks and three days of crafts along the river.

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FLORIDA HOMES MAGAZINE

Come September it's time for Fort Myers' Fall Community Art Showcase, while October features the Southwest Florida Folk and Blues Festival in Pine Island. From the end of October to the first of November, the signature event of the Calusa Blueway Paddling Festival celebrates Southwest Florida's 190mile marked paddling trail, The Great Calusa Blueway. During November, Naples beams with Celebrate the Arts Month, along with the Naples Renaissance Fall Art Festival. Fort Myers Beach hosts its Annual Sandsculpting Festival, along with the Annual Taste of the Town. During the holidays…November to New Year's, festivities and lights dazzle throughout the Paradise Coast. The Annual Holiday Boat Parade and Holiday House at the Edison-Winter Estate are winter favorites in Fort Myers.


ARROWHEAD GOLF CLUB Arrowhead has the spacious landing areas off the tee; sizable greens and forgiving collection areas that help keep play moving. Also common to the area, there's water everywhere, as in all 18 holes.

HIBISCUS GOLF CLUB Hibiscus offers an 18-hole public golf course with the amenities of a private venue. The wide fairways, bunkered greens numerous lakes and streams, along with a public practice facility and clubhouse are sure to please any level of play.

C O

IRONWOOD GOLF CLUB Designed by Arthur Hills, is an 18 hole, par 3 public course, great for beginners or a quick practice round.

M

LELY RESORT GOLFAND COUNTRY CLUB With courses designed by some of golf's renowned masters, you'll find 54-holes of championship play. Golf Week has twice designated the course as one of “America's Best.� Both the Flamingo and Mustang courses are open to the public. The Classics course is a private, member only, course.

U

MIROMAR LAKES BEACH & GOLF CLUB Miromar Lakes is a private par-72 championship course, designed by Arthur Hills. Totaling 7,400 yards, the course offers tremendous natural splendor, with TifEagle Bermuda greens, and six sets of tees to challenge players of all levels.

I

NAPLES GRANDE BEACH RESORT Naples Grand offers meticulously manicured fairways, available exclusively to guests of the resort. The pristine greens, designed by acclaimed golf architect Rees Jones, offer a challenge to players at every level. Featuring a 7,078-yard golf course, and rated One of North America's Top 100 Resort Courses, by Golfweek Magazine.

M N I T E S

GOLF COURSE

THE GOLF CLUB AT MARCO Marco Island Marriott Beach Resort Home to one of Southwest Florida's most acclaimed golf courses, The Rookery at Marco. Designed by renowned course designer Robert Cupp, Jr., this challenging private resort course offers natural hazards and native wildlife.

NAPLES NATIONAL GOLF CLUB This distinguished, member-owned golf club has maintained and cherished golf's proudest traditions - purity in design, quality of membership and love of the game. Designed by Hurdzan and Fry, the spectacular course offers 7,068-yards of par-72 golf, with 3 practice greens totaling 12,000 square feet.

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Na p les, Florida

Explore Fiddler’s Creek

3842 Cotton Green Path Drive. Cotton Green is a quaint little neighborhood within Fiddler’s Creek that gives you a feeling of quiet serenity. Come see this beautiful 3 bedroom, 2 bath pool home overlooking the golf course. Guard gated Fiddler’s Creek offers an exceptional lifestyle with fabulous amenities such as resort style pool and spa, state of the art fitness center, fine dining, unmatched golf...and the list goes on! Value Priced at Only $329,000

Allow Elli to help you live the Florida lifestyle! 1-239-860-2064

ELLI TAYLOR, P.A. Broker Associate ABR, CRS, GRI John R. Wood, Inc. etaylor@johnrwood.com www.ElliSellsNaples.com

Over 15 Years Experience 1-941-927-2708 www.KarinsImmigrationLaw.com

2017 Fiesta Drive Sarasota, FL 34231

The Karins Law Firm understands that the immigration process is one of the most significant experiences in a person's life. With personalized, professional attention and care, we assist you in negotiating through a variety of processes including: Temporary work and non-work visas including investors and small businesses, fiancé visas, student visas Employment-based permanent residence ("green cards") Labor certification Family-based permanent residence ("green cards") Citizenship and Naturalization Consular services Hands-on personalized attention to carefully negotiate you through each step of the complex US immigration process.

FLORIDA HOMES MAGAZINE

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REAL ESTATE CLOSINGS

Lauren P. Kohl, Attorney at Law Law Offices of Gibson, Kohl, Wolff & Hric, P.L. 1800 Second Street, Suite 901, Sarasota FL, 34236 414 South Tamiami Trail, Osprey, FL 34229 1.941.966.3575 www.SarasotaClosings.com

THE DELICATE BALANCE OF CONTRACT CONTINGENCIES By Lauren P. Kohl A mentor once told me that when a buyer wants to buy and a seller

be gathered, and the expected time frame. The mortgage loan

wants to sell it doesn't matter if the purchase and sale contract is

approval process has recently become more complicated and

written in crayon with typos, mistakes and conflicting clauses. The

lengthy in response to the mortgage foreclosure crisis so it is

closing will be a smooth success. On the other hand, he said if a

important to have realistic time frames in the financing contingency

buyer or seller wants out of the contract they can probably get out of

clause. An appropriate amount of time might be 30 days for a US

what seemed to be an iron-clad contract.

Tax Payer but may be up to 60 days for a foreign national.

Having said that, I take great pride in customizing purchase and

Inspection Contingency: There are several inspections a

sale contracts with clauses and contingencies I draft to meet the

purchaser should have before purchasing a home in Florida. They

needs of my clients. Following is a sample of some of the more

include a WDO inspection (a/k/a termite inspection); mold

common contingencies found in real estate contracts:

inspection, general home inspection, and wind mitigation inspection. Inspection clauses come in a variety of forms. Some

Financing Contingency: If a buyer intends to obtain financing for

require a seller to make repairs up to certain agreed-upon dollar

the purchase of real property in Florida a contingency is drafted

limits while others allow a buyer to cancel the contract if he or she

which allows the buyer to cancel the contract and receive a return of

is not satisfied with the outcomes thereof in the buyer's sole

all escrow deposits made under the contract if the buyer fails to

discretion (sometimes referred to as a “free-look�). Some clauses

obtain a mortgage loan commitment from a lender during the

require that the buyer employ licensed professionals to conduct

financing period. It is important to note that the buyer is obligated to

the inspections but clauses are sometimes drafted to allow the

make a formal loan application within a specified number of days

buyer to perform his or her own inspection. Most inspections can

and to use diligence to obtain the financing. Therefore, a buyer

be completed within 2 weeks.

should interview at least two potential mortgage sources before

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even entering into the contract to become familiar with the amount

Document Review Contingency: Florida law provides buyers of

of down payment needed, the current interest rate, the financial info

residential condominiums a right to cancel the contract after review

FLORIDA HOMES MAGAZINE


of the condominium documents, rules and regulations, and financials. However, there is no built-in contingency for the review of the same documents pertaining to the documents of subdivisions with homeowner's associations. Therefore, if a buyer wishes to review the documents a provision must be added.

Insurance Contingency: At times the cost of homeowner's insurance and/or flood insurance can be shocking to those purchasing real property in Florida for the first time. Older homes, coastal homes and homes in low lying areas (which are not necessarily close to the coast) are of most concern. To eliminate this risk a clause can be drafted allowing the buyer to cancel the contract if he or she is unable to obtain insurance policies at a cost below an agreed upon dollar amount.

Of course there are many more contingencies that could be drafted to meet the specific needs of a buyer or seller and these should be discussed with an attorney as early as is possible in the home hunting process. Also, keep in mind that a contract with too many contingencies is less apt to be accepted by the party on the other side. Your attorney will assist in selecting the appropriate clauses under the circumstances. Areas of Practice: Real Estate Closings, Title Insurance, Residential & Commercial Real Estate Closings, Contract Preparation, Deeds & Mortgages, Wills & Trusts

OnOf The Your Side Closing Table Lauren P. Kohl Attorney at Law

Law Offices of Gibson, Kohl, Wolff & Hric, P. L. 1800 Second St, Ste 901, Sarasota, FL 34236 414 South Tamiami Trail, Osprey, FL 34229

Protecting Your Interests

Representing local and international clients purchasing and selling real estate, including waterfront, golf course, foreclosures and short sales in the greater Sarasota area. We protect your interests at closing.

966.3575 1.941.966.3575 1.941.

www.SarasotaClosings.com

REAL ESTATE CLOSINGS

Sale of Existing Home: Some buyers find their dream home before they have sold their existing home. In this case, a contingency is drafted allowing the buyer to cancel the contract and receive a return of the escrow deposit if they are unable to complete the sale of their existing home within a reasonable time period. This type of contingency is more prevalent in a buyers' market but nearly non-existent in a sellers' market.

Short Sale Approval Contingency: If a seller is selling his or her home for an amount insufficient to pay-off the mortgage(s) encumbering the home then the seller's obligation to close is made contingent- upon the seller obtaining approval from seller's lender(s). The approval process can take several months. There are several pre-printed Short Sale Addenda circulating. I highly recommend that a buyer or seller consult an attorney before they sign one.

GKW& H GIBSON, KOHL, WOLFF & HRIC, P.L.

The hiring of a lawyer is an important decision that should not be based solely on advertisements. Before you decide, ask us to send you free written information about our qualifications and experience.

FLORIDA HOMES MAGAZINE

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JIM H IRSCHMAN Focused on You.

Specializing in Luxury Homes

JAMES E. HIRSCHMAN, REALTOR 941.320.6687 www.SarasotaLandandHomes.com

R E A L T Y 6710 Professional Parkway, Suite 301 Lakewood Ranch, FL 34202

R


ERIC’S Auto Repair + shipping to canada & europe Foreign & American Full Auto Factory Services A/C Specialists Tuneups & Brakes Engine Check Light Diagnostics Complete Professional Detailing Service

FREE ESTIMATES sarasotaauto.com 2650 Stickney Point Road

Sarasota, FL 34231

Call 1-941-923-7507 FLORIDA HOMES MAGAZINE

57


St. Lucia

Costa Rica

Approximately 1,625 acres of undeveloped land and l 1/4 mile long sandy beach. This exceptional property is contoured as a natural amphitheater, with mountain ridges on 3 sides. From every angle, enjoy a panoramic view of the beach. The main valley offers 600-acres +/- of flat land including about 60 acres of beachfront property. Perfect for residential, condos, timeshares, hotels, casino, golf course and tennis club. $37,000,000

52 acres of Teak Valley mountain & panoramic ocean views. Turnkey development has electricity, public and private water, complete master plans with construction permits. Property is positioned for high quality residential eco-development. Why wait 3+ years to develop when you can start tomorrow. Resort hotel and casino possibilities. Developer can make strong return on investment. Price upon request.

Siesta Key

Historic in England

This historic Inn was substantially developed & extended. Facility has 53 ensuite bedrooms, large dining room, dance floor, coffee shop;, modern lounge & bar overlooking tropical pool, full facility leisure complex, gym, sauna, steam room all operating as a professional health club will accommodate 600 members. Owner may be interested in retaining equity in property & ensuing business. Price upon request in sterling.

Siesta Key

Vizcaya Longboat Key

Gently tucked along the water's edge Hale a ka la, "House of the Sun" is a Polynesian inspired architectural masterpiece with 4 bedrooms, 3.5 baths, media room, office, butler’s pantry, expansive windows, Brazilian cherry floors & stained cypress ceiling. Terracing balconies lead to the infinity edge pool & lush grounds. A private 60 ft. sailboat water dock is across from the home. $3,700,000

Directly on the Gulf of Mexico with sun washed beach. Truly a paradise for the discriminating buyer. Three bedrooms, 2.5 bath with private elevator and oversized two car garage. Spectacular views from the living areas. Great gulf front terrace and summer kitchen, barbeque, rotisserie and hood. You feel you are living right on the beach. Can be sold turnkey furnished. $3,099,000

Adorable 2/3 bedroom, 3 full bath updated canal front home. Raised and vaulted ceilings, French doors and skylights. Light and bright. Walk to the village for shopping. Close to the beach. Den doubles as the third bedroom with pocket doors and full bath. Beautifully landscaped large lot. Plenty of room for a pool. Move right in. Can be sold turnkey furnished. Just bring your toothbrush! $689,000

PATRICIA CONTI, BROKER/OWNER GRI, International Marketing Specialist 339 Avenida de Mayo, Sarasota, FL 34242

1.941.349.6900 | paconti@aolcom | www.surfside-properties.com


So much enjoyment so close by. Visit GasparillaInn.com.


INTERNATIONAL REAL ESTATE 62

Carla Rayman, REALTOR Director of International Development Prudential Palms Realty Sarasota, Florida 1.941.724.0519 1.941.487.5181 www.YourGlobalAgents.com

Prudential Palms Realty

THE TRUTH ABOUT THE FLORIDA REAL ESTATE MARKET By Carla Rayman Florida has long been known for holiday or vacation properties,

price of homes and condominiums increased monthly beginning in

retirement, and sunshine. In the real estate boom years 2003-2005,

March. Coincidentally, inventory levels fell. In February, Sarasota

Florida became known as the place to invest and resell property for

County had 16.4 months supply down to only 10.2 months of

a quick profit. Sadly as the boom came to a crashing halt at the end

supply in June.

of 2005, Florida saw a dramatic decrease in real estate activity. As buyers tightened their finances in 2006, homeowners and investors

South Florida, in particular, has been the subject of some harsh

desperately needed to sell. Thus, 2007-2009 will be remembered as

news over the past few years. Now that you're contemplating

the years of foreclosures and short sales.

listing a property you own or purchasing, it is important you know the real facts versus speculation.

Investors began returning in late 2008 to take advantage of the great deals, particularly in new home construction and

The 5 most important things to remember:

condominiums. With prices being anywhere from 30% to 60% less than they were in 2004-2006, smart investors realized the value of

1. No doubt, it is a great time to buy.

Florida properties once again.

2. Yes, there are still bargains to be had. 3. The 50% discount you keep hearing about on properties for sale

In March of this year, activity picked up tremendously in most

is based on the 2003-2006 prices, not today's fair market value.

markets. Real estate companies reported it the best month they

4. Financing IS available. Mortgage rates are still the lowest

had experienced in three years. Not sure whether things would

they've been since the 1960s. For residents outside the US, expect

change once summer came, most real estate agents were hopeful

to put down 25-35%.

yet guarded. April, May and June showed much of the same with

5. Work with a professional REALTOR who will look out for your

buyer activity being strong. According to TrendGraphix, in Sarasota

best interest and wallet. Don't work with someone who will sell you

County, the average price per square foot as well as the average

anything just to make a deal.

FLORIDA HOMES MAGAZINE


Mere facts: Mere facts:

®

Work with a REALTOR who understands the process of working with an international buyer with respect to tax, immigration, finance, and law.

ready to make a prompt decision when the right property comes on the market.

And finally:

With respect to Florida real estate taxes, it doesn't matter if you

We do have winters in Florida. This year it was on a Wednesday.

are a US resident or not. If you are not a Florida resident, you are eligible to apply for a limitation of 10% on annual tax assessment increases. Becoming a Florida resident, though, has great tax advantages! Sales of new and existing homes are below replacement cost. Foreclosures, Short Sales andand Great “Deals” Foreclosures, Short Sales, Great “Deals”: Short sales and foreclosures are not necessarily the best deals. There are plenty of well-priced properties available, but they sell quickly. Short sales can be great deals but are not for the impatient. Be ready to wait an average of two to six months before the bank counters or approves your offer. Yes, there are fantastic deals on condominiums but that cheap condo may end up costing you a whole lot more than you think. Do your due diligence – particularly when dealing with condominiums. Is the condominium association financially strong? What are the current association dues – do they have the potential to increase dramatically over the next few months or years due to the number of delinquent owners or developers? Non-USResidents: Residents: Non-U.S. If you are not a US-resident and are considering buying property in Florida, open a US bank account at least 60 days prior to

Prudential Palms Realty has a diverse clientele from all over the

purchasing. No, you do NOT need a social security number to

world and offers select properties in the most desirable

open a bank account.

locations. If your idea is yachting in the Bahamas, relaxing on the beach in the Dominican Republic, surfing in Costa Rica,

Keep an eye on currency trends and use a currency broker to

diving in Belize, pure investment in emerging Panama, culinary

take advantage of exchanging money when the time is right.

delights in Italy, or romance in France, we invite you to call us.

INTERNATIONAL REAL ESTATE

Be realistic about what you can buy for your money and be

FLORIDA HOMES MAGAZINE

63


SIESTA KEY Stunning and sophisticated, over 5000 sq ft, 4 en-suite bedrooms, office/den, elevator, high ceilings, floating staircase, summer kitchen, pool with spa and short bike ride to the beach. $1,599,000

LAUREL PARK Historic landmark: Unique, stunning original Mediterranean style home, authentically restored original residence of famous architect Thomas Reed Martin. $899,000

FOUNDERS CLUB Exquisite custom details, 5469 sq ft, 4 bedrooms, media room, library, 4+ car garage, expansive lanai, summer kitchen, fireplace, pool/spa. $1,799,000 INCLUDES GOLF MEMBERSHIP

LAUREL PARK. Charming new Key West style, 3 bedroom, 2.5 bath, open kitchen with solid surfaces and breakfast area, separate dining room, wood floors, front & back porches. $549,000

OYSTER BAY ESTATES LAKEFRONT Tuscan inspired home with over 5800 sq. ft., quality appointments, luxury finishes and many “green� features in sought after neighborhood near downtown. $1,999,000

SONADA Half acre lot with mature oaks, custom 3 or 4 bedrooms, gated community, 3+ car garage, 2,460 sq ft, eat-in granite kitchen with breakfast bar and pantry. $525,000

LONGBOAT KEY GULF FRONT CONDO 2 bedroom plus den with updated kitchen overlooking sparkling blue water and white sandy beach. Located in an active tennis condo community. $725,000

Close to the beaches and downtown! Darling 3 bedroom 2 bath hometotally updated throughout! Nestled in a neighborhood with giant old oaks and close to the interstate for ease of airport access. $275,000.

R

JANIS COLLIER, GRI, ABR, REALTORs Cell (941) 313-1212, Office (941) 951-6660 janiscollier@michaelsaunders.com www.janiscollier.com

R

LISA SKIRBALL, REALTOR Cell (941) 685-8480, Office (941) 951-6660 lisaskirball@michaelsaunders.com http://lisaskirball.michaelsaunders.com


CROSS BORDER BANKING

Frederic Potvin Cross Border Segment Advisor RBC Bank USA 1-800-236-8872 www.rbcbankusa.com.

OTHER LENDING SOLUTIONS FOR CANADIANS By Frederic Potvin Any Canadian who has gone through the U.S. mortgage process

other factors. With Prime at a low of 3.25% this product is perfect

knows that it is significantly more time consuming and certainly

if you have already purchased the property and plan to make

feels more complex than in Canada. But, is a traditional mortgage

some home improvements. Unlike the HE-Loan, the HELOC

necessarily the right option for you?

gives you the opportunity to pay down your balance and reuse the available credit. It is also a great safety net to have for your home

In the previous issue of Florida Homes Magazine, we explained

in case of emergencies. With hurricane season in mind, it is an

the traditional mortgage options offered by RBC Bank速. In this

easy way to access cash for repairs.

issue we will outline two other real estate lending solutions, the Home Equity Loan (HE-Loan) and the Home Equity Line of Credit

Our second option is the HE-Loan which, like a traditional

(HELOC).

These alternative real estate lending solutions are

mortgage, can be used for a property purchase. The RBC Bank

available for Canadians and entail less time, less paperwork, and

HE-Loan offers shorter terms, up to 15 years, with amortizations

may in fact be a more economical option depending on your

up to 30 years. The HE-Loan may be a more cost effective and

needs.

faster financing solution than a traditional mortgage for Canadians wishing to buy or refinance a home.

We begin with the HELOC which allows a borrower to take the equity out of their home and access it through a line of credit. This

RBC Bank is proud to be one of the very few lenders that are able

Product offers Prime based pricing with rates determined by credit

to lend to Canadians by leveraging their Canadian credit history

score, loan to value, dwelling type and other contributing factors.

for better rate and term options. Creating value and making

The RBC Bank HELOC also gives you the added option of locking

things easy for our clients is our primary objective. Come see us

in balances at fixed interest rates for up to 15 years. The HELOC

in one of our 86 branches in Florida, contact us at 1-800-236-

can give you access to up to 80% of your property value

8872, or visit our website at www.rbcbankusa.com.

depending on the line size, borrower's credit score and other

66

FLORIDA HOMES MAGAZINE


Florida Homes Magazine 3  

Florida Homes Magazine 3

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