Real Estate Hot Sheets by gordon kraft

THE TWO IOWA’S ON DEC. 8, 2007

GRANDEZZA

Charles Elig’s Review Page 09

The Southwest Florida Edition of

REAL ESTATE HOT SHEETS Week of December 12, 2007

www.realestatehotsheets.com

Volume 12 Number 50

A FREE PUBLICATION

Driving High Performance Levels for Coldwell Banker How William “Bill” Barnes is Raising the Bar for Coldwell Banker’s Offices on Sanibel and Capitva market, when buyers or a sellers may be seeking ways to 'wiggle out' of "I'm not an attorney, but agreements, we rigorously I play one on TV." manage our agents to It's a line I've often used in my career to break ensure all "i's" are dotted and "t's" are crossed." the ice, and to subtlely By the way, "manage" hint I might know what was the key word in that I'm talking about. sentence. So when I met Bill Barnes is a manager Barnes for a stroll on Sanipar excellence, and a turnbel's Lighthouse Beach, I smiled when he shook my around guru. Barnes has hand and said, "I'm not an a long and storied record of performance, one of the attorney, but …" key reasons he's now on Barnes explained. He teaches a class titled "List- his 10th assignment in 27 years. ing and Sales Contracts I personally believe he's - FAR #9," for all new a very wise man. I'll get Coldwell Banker agents. to that later. It's a Coldwell Banker Thirty days ago, he was requirement. asked to manage the three The class is about Coldwell Banker oﬃces contracts, agreements, on Sanibel and Captiva amendments, documents and disclosures and all the -- Coldwell Banker Previews, Coldwell Banker paperwork Realtors must complete for a transaction Previews International and Coldwell Banker Resito occur. dential Real Estate. He has He absolutely loves left the Coldwell Banker teaching. "It's what I do Fort Myers/Plantation and best," he said. "In real estate, the devil Gulf Habour oﬃces. What makes a great is in the detail," Barnes manager? said. "We live in a very Many things. For startlitigious world. Espeers, a manager must pay cially in a down-turned by Michelle Craft

attention to process. "Michelle, look at our sign," Barnes said. What sign? I asked myself. When I hesitated, he knew I couldn't see it. "Exactly!" he said. "That'll be fixed Monday (it was Friday)." "If no one can see our sign, how is anyone going to find us?" A silly example? It couldn't be a better illustration of process change. In the '90's, I worked for a management consulting firm in Dallas, Texas. The very first exercise we'd take a client through was to examine their documented processes. For example, Ford Motor Company. On the assembly line, there are 100+ processes that must be followed when the engine is lowered into the body of the vehicle. Sometimes steps were skipped. The result. Shoddy manufacturing. Re-introduce the steps, et voila, perfect craftsmanship. The same principles apply to real estate.

President Announces Plan to Freeze Some Mortgage Rates reckless decision to buy a home they knew they could never aﬀord,” Bush said Last week, President Bush unveiled an aggressive plan after meeting with industry leaders at the White House. to freeze rates on some “But there are some adjustable mortgages. responsible homeowners “There is no perfect who could avoid foreclosolution,” President Bush sure with some assistance.” said. The agreement was Bush said 1.2 million hammered out with the people could be eligible mortgage industry. for help. But only a frac“The homeowners detion will be subject to the serve our help. The steps rate freeze. Others would I’ve outlined today are a get assistance in refinancsensible response to a seriing with their lenders and ous challenge.” moving into loans secured “We should not bail out by the Federal Housing Adlenders, real estate specuministration, Bush said. lators or those made the by Michelle Craft

Aid will only come to those who ask for it, he said. Thousands of borrowers who are falling behind on their payments have been sent letters about the options, and Bush also urged people to call a new hot line: 1-888-995-HOPE. Among other meausres, the FHA will have greater flexibility to oﬀer refinancing to homeowners with good credit histories. This oﬀer would apply only to people living in their homes and who have not missed any payments at the lower rate.

PRESORTED STD US POSTAGE PAID Permit #118 Fort Myers FL

According to Sanibel tradition, any visitor that finds a junonia shell on the beach gets their picture in the paper. Bill found three, but he’s no visitor. He’s a permanent fixture at Coldwell Banker’s Offices on Sanibel and Captiva. He’s also on the cover of The Real Estate Hot Sheets.

continued on Page 5

INSIDE THE SHEETS ... Who is This Mover and Shaker? Find out how Bill Barnes is improving performance for Coldwell Banker. His thoughts on Pages 01 and 05. BOGO and JUMBO Buy One Classifed, Get One Cllassified Free -- BOGO. That’s right, two full color, photo classified ads are only $25. Send us 2 MLS#’s to JRM@realestatehotsheets.com and we’ll design them for you. Featured Listings -JUMBO Classifieds -- are now only $125. Offer expires 12/31/07. To Inspect or Not to Inspect, that is the Question New columnist, Attorney Don Ross, answers on Page 2. Ever Wonder What Makes a Loan “Conforming?” Will Dukes, a senior loan officer, details the 2008 Conforming Loan Limits announced by the Office of Federal Housing Enterprise Oversight (OFHEO). His new column, Money and Mortgage Matters is on Page 10.

Page 02 ----------------------------------------------------------------------------------------------------------------- REAL ESTATE HOT SHEETS

Knowledge is Power: Legal Insight into Whether a Buyer Should Have a Home Inspection One of the most common questions I receive in relation to the purchase of Real Estate is whether or not the Buyer should have inspections. My response is always the same, “ABSOLUTELY.” The more you know the better off you are. Every effort should be made to avoid any undue surprises in the closing process. The most common sales contract used in Collier County is prepared by the Naples Area Board of Realtors (NABOR). All my comments will be in reference to the most recent version of the “Sales Contract for Residential Improved Property.” The Buyer should always ask for the Seller’s prior owner’s title insurance policy and survey. Although Standard B of the Sales Contract provides that the Seller will deliver Buyer a complete copy of the owner’s title insurance policy, this does not always happen. Frequently, it’s a last minute item or is not provided at all. The Contract does provide that if the Seller fails to give a copy of the owner’s title insurance policy, the Buyer will get a credit of $350.00 at the time of closing. But there is no substitute for the policy itself. The policy will provide a road map for outstanding easements, restrictions, and other encumbrances that might affect the property. The sooner the Buyer knows of these issues the better off he will be. Use of the Owner’s survey, can save the Buyer the cost of having his own survey completed, plus alert

him at an earlier stage of any potential problems. The Sales Contract does place the burden of producing a survey on the Buyer 15 days prior to closing, but again, by getting the Seller’s copy the Buyer may avoid that cost and give a head start on any outstanding issues. Any Lender will always require a survey unless it’s a condominium. There are a number of inspections the Buyer may elect to conduct relating to the real property. Anytime I am asked whether or not it is advisable to have a home inspection, radon inspection, mold inspection, or any other type of inspection, I always laugh and say “yes.” It may be too late if the Buyer discovers any problems after the closing. The home inspection must be completed within 15 days of the eﬀective date of the contract. The inspection analyzes whether the major appliances and equipment, sprinkler, well, septic, and various other items are in working condition. The Contract distinguishes between working condition and cosmetic conditions. Cosmetic conditions refer to missing screens, discoloration of floor coverings, or wall paper, scratches, dents, chips, caulking, pitted pool surfaces, cracked roof tiles, and limited roof life. Very commonly, people will ask for a broken appliance to be replaced. For example: many people have asked for new air conditioners. The first thing I ask, is how old is the air conditioner that isn’t working. If the air conditioner

is quite old, I point out the contract provides that no cost to repair that item shall exceed the fair market value of that item, if it is in working condition. The bottom line is I want my Buyer to know exactly what they are buying. Any surprises are always unpleasant. I also get questions about radon or mold inspections. I always recommend both. Radon commonly can be resolved through a simple remediation. Mold is a somewhat more complicated issue. In my mind mold is a symptom of an underlying problem. Some of the more common situations that I have dealt with, include a leaky air handler, leaky shower, or sprinkler heads hitting the defective caulking of a window. Sometimes mold can be a consequence of a leaky pipe, or my own personal situation, simply having wall paper (steam!) in the bathroom. In all those instances, I try to indicate to the client that the presence of this mold allows us to see issues that we would not otherwise see. It gives us an opportunity to fix the underlying problem. The contract does allow the Buyer to object to toxic or pathogenic mold. There are literally thousands of diﬀerent types of mold but the only thing the Buyer can specifically object to in the standard NABOR contract, is toxic or pathogenic mold. In summary, the more the parties know, the better oﬀ they are in consummating their real estate closing. Nobody likes to be surprised and often these problems can be resolved

eﬀortlessly. The above issues are just a few of the issues that come up in a routine closing. Usually these details are worked out through the help of an experienced Realtor and the Real Estate Attorney.

Donald K. Ross, Jr., is an attorney with oﬃces at 599 Ninth Street North, Suite 300, Naples, Florida, 34102. He has been practicing law for more than 24 years. His practice covers, real estate, contracts, business, and corporate law. He writes this column periodically with respect to legal matters that frequently aﬀect non-lawyers. The information contained in this column is not intended as legal advice and, of necessity, is generalized. For questions about specific circumstances, the reader should consult a qualified attorney. Questions for this column can be sent to: Donald K. Ross, Jr., e-mail: DRoss@NaplesAttorney.net or by fax, (239) 434-0339.

ExtraordinaryViews of the Gulf and the Bay from Every Room THIS LAVISHLY APPOINTED, 5 BEDROOM, 5 FULL BATH PRIVATE POOL HOME has a spa and elevator. The Gulfside residence is absolutely exquisite in design and architecture. This extraordinary property also includes a guest home with deeded boat dock and lift on the Intercoastal. Impecablly furnished right down to the linens and silverware. You will not need to look any further for a more unique ﬁnd.

26858 Hickory Boulevard in Bonita Springs $5,999,000 Lisa Perry Mercedes Homes Realty, Inc. (239) 939-4505

DECEMBER 12, 2007 ----------------------------------------------------------------------------------------------------------------------- Page 03 SPECTACULAR HOME

LIVE ON THE 5th HOLE

LEASE PURCHASE OPTION

MAGNIFICENT LAKE VIEW

NAPLES BAY CLUB

$899,000 2886 LONE PINE LN NAPLES Spectacular courtyard home. 3 bedrooms, plus den and 3 full baths. Stainless steel appliances. Granite counters in kitchen and baths. Crown Molding. Professionally decorated. Becky Foster, DowningFrye Realty, Inc. (239) 250-6135

$695,000 3037 OLDE COVE WAY NAPLES Popular Aberdeen floor plan by Rutenburg. PB Dye designed course. 3 bedroom plus den plus loft is great for a large family or entertaining friends. Enjoy your heated pool and spa. Becky Foster, Downing-Frye Realty, Inc. (239) 250-6135

$620,000 12905 BRYNWOOD WAY NAPLES Inviting community. Low HOA fees. 3 bedroom plus loft and 3 full baths is waiting for you. Stainless steel appliances. Pool and spa overlooking quiet preserve area. Great location.Becky Foster, Downing-Frye Realty, Inc. (239) 250-6135

$410,000 6612 Ilex Circle NAPLES 3 bedrooms, plus den and 2 full baths. Maintenance fee of ONLY $580/Qtr is one of the least expensive in the County. Very private community, New roof, new carpet and new paint. James Sistrunk, DowningFrye Realty, Inc. (239) 598-5386

$794,000 800 RIVER POINT DR #538 NAPLES Boater’s delight. Condo comes with deeded boat dock. No bridges, direct access to Gulf. Refurbished docks. New roof on building. 2.2 townhome with new stainless appliances. Norma Netzow, Downing-Frye Realty, Inc. (239) 269-5238

SELLER FINANCING AVAILABLE

CORNER UNIT

BERMUDA ROYALE

EXCELLENT INVESTMENT

SPECTACULAR HOME

$559,000 3300 GULF SHORE BLVD N NAPLES You won’t find a better BIG Bay view at this price. Bright and newly renovated home. Open floorplan. Gulf views from Master bedroom and front entrance. 55 + age restriction. Greg Zorn, Florida Home Realty (239) 537-3995

$429,900 4873 HAMPSHIRE CT NAPLES Corner unit is impeccable. Brimming with upgrades. Wadsworth floor plan. Sensational rental potential for the savvy investor. Ideal for year round residency or a winter retreat. GregZorn, Florida Home Realty (239) 537-3995

$259,000 3285 JESSICA LANE NAPLES SELLER FINANCING. In the prestigious World Tennis Center. The tennis resort life style boasts world class facilities: 16 tennis courts for both day and night play, resort style pool, spa and saunas. Greg Zorn, Florida Home Realty (239) 537-3995

$1,087,500 1575 PINE RIDGE RD Suite 16 NAPLES Mission Square is one of Naples finest Retail Shopping Centers, Office, quailty build out, professionally designed and decorated. Ideal for Medical, Accounting,Law, or Retail. Currently an upscale office. Greg Zorn, Florida Home Realty (239) 537-3995

$1,195,000 3240 58th ST SW NAPLES Gorgeous estate home. Master bedroom suite on main floor. Jacuzzi tub and etched glass. Formal dining room. Plenty of land for building guest house or storage. Greg Zorn, Florida Home Realty (239) 537-3995

$40K DESIGNER UPGRADES

GREAT RENTAL INCOME

TRADES CONSIDERED

$409,900 7031 FALCONS GLEN BLVD NAPLES Falcons Glen is nestled in the heart Lely Resort. Membership to the “Players Club” is optional and available to all residents and tenants. No CDD to assume. Paid in full. Greg Zorn, Florida Home Realty (239) 537-3995

$967,500 16661 SEAGULL BAY BOKEELIA Unique waterfront old Florida style home just minutes from the Gulf of Mexico! Built with extra features such as thermal windows and well insulated with 2 X 6 walls. Greg Zorn, Florida Home Realty (239) 537-3995

$269,000 8385 BIG ACORN CIR NAPLES North Naples, Pebblebrook Lakes, Nottingham coach home has never been lived in. Upgrades galore. Corian countertops. Arguably the best price per square foot in all of Naples. Michael Soulard,FloridaHome Realty (239) 272-6263

$359,900 131 BURNT PINE DR NAPLES Highly sought after gated community Pebblebrooke Lakes. Community clubhouse, pool, spa, fitness center, tennis courts. Beazer built single family “Tahoe” Floorplan. Michael Soulard, Florida Home Realty (239) 272-6263

$799,000 7541 KNIGHTWING CIR FORT MYERS Arthur Rutenberg home in Blackhawk. 4 bedrooms, one has a wet bar and would be perfect game room. Upgrades will be done by approved Arthur Rutenberg subcontractors Darren Schoof, Florida Home Realty (239) 784-1503

REDUCED $376,000

OLD CYPRESS

JUST REDUCED

$499,000 5781 STAR GRASS LANE NAPLES MUST SELL. Originally priced $875,000. Located west of Santa Barbara. Home is being sold “AS IS” with right to inspect. 2.73 acres. Home is loaded with upgrades. Liz Appling, Florida Home Realty (239) 272-7201

$310,000 7905 PRESERVE CIRCLE NAPLES One of the lowest priced condos in Fairway Preserve, with a direct path to the pool, pool house, fitness center and putting green. This is a MUST SEE! Sandra Mavrianos, Florida Home Realty (239) 580-9858

$499,900 3653 PERIWINKLE WAY NAPLES Only pool home in Forest Glen on the Gordon Lewis designed Golf Course (17th Fairway); a bundled golf community. Former Model Home. LEASE BACK OPTION is available. Liz Appling, Florida Home Realty (239) 272-7201

$455,000 6160 WOODSTONE DR NAPLES Priced below any property in the area, this beautiful home is located on a quiet and well maintained street near Naples beaches. Oversized lanai includes full bath w/shower. Sandra Mavrianos, Florida Home Realty (239) 580-9858

$185,000 975 9th Ave South, #6 This is your chance to own a piece of Olde Naples. Low fees, good rental history, cute 1/1. Buy for a rental or for your Naples get-away. Vicki Hall, Amerivest Realty (239) 398-7966

RENAISSANCE GOLF

REDUCED $55,000

RENAISSANCE LUXURY

FULL GOLF MEMBERSHIP

DOCK FOR 60’ YACHT

$529,000 9290 TRIANA TER, #3 FT MYERS Magnificent Serina Grand coach home with 3 bedrooms, den plus large media room. Upgraded tile, granite countertops. Optional membership, Arthur Hill champoinship golf course Bob & Roberta Haas, Downing-Frye Realty (239) 520-0583

$389,900 9291 TRIANA TER, #2 FT MYERS LOWEST PRICE IN TRIANA. Cortina Model. Great views. Make Offers. Elegant 3 bedroom, plus den coach home. Electric hurricane shutters. Dark cherry cabinets, black granite counters. Bob & Roberta Haas, Downing-Frye Realty (239) 520-0583

$795,000 12421 VILLAGIO WAY FORT MYERS Never lived in. Elegant Soreno home by Worthington in very low density Renaissance Community. Sweeping Black Uba Tuba Granite counters. Den area features Brazilian wood flooring. Bob & Roberta Haas, Downing-Frye Realty (239) 520-0583

$529,000 HUNTER’S RIDGE BONITA SPRINGS Premium golf lot. THIS IS A BUILDER’s ORIGINAL MODEL FULLY DESIGNER FURNISHED. Exciting Contemporary Style. Never lived in. PRICED TO SELL. Must See. Bob & Roberta Haas, Downing-Frye Realty (239) 520-0583

$3,500,000 1596 TEQUESTA CT MARCO 2,800 sq. ft. of uncovered deck. Vanishing edge pool. 1,600 sq. ft. of screened/covered lanai. 50 and 30 amp svc cypress tongue and groove ceiling on lanai. Exercise room off of master suite. Pat Wilkins, ReMax Results Realty (239) 290-8593

OWNER FINANCING

DIRECT ACCESS CUL DE SAC

FORECLOSURE

WATERFRONT

NEW SEAWALL

$850,000 9068 CHERRY OAKS TRL NAPLES Primrose single family beautifully furnished. Possible owner financing with 25% down, 6.5% int, 30 yr amortization 5 yr balloon. Great view of lake, granite counters, stainless appliances. Pat Wilkins, ReMax Results Realty (239) 290-8593

$1,250,000 15 ACORN CT MARCO 2 boat docks. Completely furnished Tommy Bahama style. Master BR and office down, 2 BD a bath up. Fully shutters generator hookup and sm generator. 169 ft. seawall. Slocum built 12k lift. Pat Wilkins, ReMax Results Realty (239) 290-8593

$345,000 194 GREENBRIER ST MARCO WALK TO THE BEACH. Pool home with private yard. Property being sold as is no warranties expressed or implied. Bank Addendum must be sined and submitted with all offers. Pat Wilkins, ReMax Results Realty (239) 290-8593

$2,750,000 1075 CAXAMBAS DR MARCO WOW 5 bedrooms plus media room, living room, dining room, office/billard room. Cut in boat slip with lift. Views of Caxambas Pass (3rd lot in). Offered furnished. Shows great. Pat Wilkins, ReMax Results Realty (239) 290-8593

$900,000 1509 GALLEON MARCO Beautiful long and wide water views. Southern Exposure. Volume ceilings, new granite counters in kitchen. Updated appliances. Very open and bright with lots of sliders and clerstory windows. Pat Wilkins, ReMax Results Realty (239) 290-8593

GREAT BUY OLD NAPLES

Page 04 ---------------------------------------------------------------------------------------------------------------- www.realestatehotsheets.com CENTRAL LOCATION NEW LISTING

BOTANICA LAKES GREAT VALUE $529,000 10316 Carolina Willow Dr 3,000 sq ft, 5 bedrooms 3 baths 3 car garage on lake. Beautiful wood stained stair case, every upgrade, granite in kitchen and master bath, Coffered ceiling master bedroom Blake Carroll, Downing-Frye Realty, (239) 292-9649

$89,900 6112 PRINCIPIA DR 1 Fort Myers. LOVELY attached villa home, all new appliances, great quiet location, Very clean and neat, very nice kitchen, open courtyard which could be caged-in. Kurt Gearing, Avalar Gulf Coast Properties, (239) 574-7836

$285,000 LAKE AND GOLF COURSE VIEWS Grandezza. Second floor handsomely decorated with neutral colors, wood cabinets with crown moulding, vaulted ceilings, upgraded appliance and is right across from pool. Wendi Darragh, Downing-Frye Realty, (239) 289-1032

GRANDEZZA BUY!

JUST REDUCED

EXCITING ART DISTRICT

One of the Best Buys in Grandezza $549,000 20089 Seadale Court Cypress Cove This is the taj mahal of properties on Seadale Court. Water views, faux painted, custom decorated & furnished, must see to appreciate includes pool & spa Blake Carroll, Downing-Frye Realty, (239) 292-9649

$465,000 PALM RIVER Delightful and stylishly updated 3-bed/2-bath pool home with views of La Playa Golf Course. Call for list of upgrades. Lease-option possible. Ruth Trettis, Premier Properties. (230) 434-2424.

$198,900. One year old, 3 Bedroom, 2 Bath, 4th Floor Condo in a Beautiful New Community. Garage. 10+- Minutes to Downtown Naples, Beach! Great View, Tile, Lovely Ammenities! Rebecca Avery-Clair, DowningFrye Realty, Inc. (239) 777-1850

$ 694,900 7846 ASHTON RD NAPLES. 3 BDR/2BA PLUS A DEN with pool , spa and $87,000 in upgrades. Granite counters, tile floors, custom cabinets, stainless appliances, pavers on lanai. Wright B. Taylor IV, Prudential Florida WCI Realty , (239) 821-9203

ONLY ONE YEAR OLD

FORGET LISTED PRICE

GREATLY REDUCED PRICES

$179,000 26650 ROSEWOOD POINTE CIR, #103 Bonita Springs. 1st FLOOR with screened lanai and amenities galore including clubhouse, pool, spa, restaurant, golf and tennis. Cathy Allen, Downing Frye Realty, Inc. (239) 641-1466

$459,900 Golden Gate Estates STEAL THIS HOME. Owner says just make offer. 4 Bedroom+Den+2 Bath. 2.5 years old, with 3-car garage. Many upgrades, 18” Tile, Volume Ceilings, Nice Condition. Mike Powell, Downing-Frye Realty, Inc. (239) 597-8114

BONITA SPRINGS “The Best Location in Town.” Gated Golf Course community. 27-Hole Course. Homes, Villas, Condos - High $200’s - $1 Million. Low Fees - NO CDD. 2 1/2 miles to the Beach CDD Maureen Wetzel, Downing-Frye (239)273-4433

MARCO SAND STAR

DRAMATIC SUNSETS

BEST PRICE IN TROPHY CLUB

$529,000 6017 TROPHY DR, #603 Naples. PRICE INCLUDES GOLF EQUITY membership of $55,000. Freshly painted, new stainless appliances, new carpet in bedrooms and den and TILED stairway. Cathy Allen, Downing Frye Realty (239) 641-1466

CLOSE TO AVE MARIA UNIVERSITY $179,000 GREAT 2.65 ACRES ON CORNER OF WILSON AND 35 AVE. NE. Environment study is in progress, DEP PERMIT IN PLACE! This lot has a DEP permit for a 2500 sq. ft. home. Prudential FL WCI Realty WRIGHT TAYLOR 239-821-9203

ESTUARY AT EVERGLADES $419,999 Come and see for yourself this awesome condo deep in the heart of the best fishing in Southwest Florida. Prudential FL WCI Realty WRIGHT TAYLOR 239-821-9203

GOLF COMMUNITY

NAPLES BATH & TENNIS CLUB $265,000 Beautifully remodeled 2 BR 2BA condo overlookinglake & preserve. Brand new kitchen w/ solid wood cabinets, tiled countertops, upgraded appliances. Prudential FL WCI Realty WRIGHT TAYLOR 239-821-9203

WATERFRONT

$2,150,000 FORT MYERS BEACH You get two single family residences on Estero Bay with this very unique duplex. Think of the investment possibilities! Ruth Bethem, Downing-Frye Realty. Toll-Free (877) 777-7545

TROPIC SCHOONER $199,000 This is a nice 2 bedroom 2 bath condo on a beautiful lake surrounded by a world class golf course, Hammock Bay Golf and Country Club. Prudential FL WCI Realty MICHELLE GERARD 239-860-6623

$599,000 SERANO This unit has sunrise views over the 10,000 Islands & sunsets over the Gulf of Mexico. From this 15th floor 3 BR 2.5 BA condo you can see everything. Prudential FL WCI Realty MICHELLE GERARD 239-860-6623

BEACHVIEW $398,000 Walk to Residence Beach! Second floor unit overlooks the pool and courtyard area. All new high impact windows & slider in 2006. Lease agreement in place 1/1/08 to 3/31/08 for $3,100 per mo. Prudential FL WCI Realty MICHELLE GERARD 239-860-6623

$270,000 761 ELKCAM CIR W MARCO ISLAND. THE LEAST EXPENSIVE unit in Sand Star at time of listing. 2 bed, 2 1/2 baths. Townhome style living. Newer appliances. Furnished.Across parking lot from Pool. Wright B. Taylor IV, Prudential Florida WCI Realty, (239) 821-9203

$929,000 320 SEAVIEW CT MARCO ISLAND. FRONT UNIT ON THE Gulf of Mexico. Year round views of waterfront sunsets. 1200 Sq. Ft. with 2 bedrooms, 2 baths and has been nicely remodeled. Wright B. Taylor IV, Prudential Florida WCI Realty, (239) 821-9203

REDUCED $60,000

SELLING AGNT $10K BONUS

SHORT SALE

REDUCED $10,000

IRONWOOD $220,000 Awesome Unit 7 lot for a great price. This oversized lot on the end of Ironwood on city sewer. The beach is right around the corner, so a quick walk and your there. Owner is motivated. Prudential FL WCI Realty WRIGHT TAYLOR 239-821-9203

10830 GOODWIN BONITA SPRINGS $335,000 Spectacular river view on 0.4-acre lot in charming, historic Old Bonita. Deck, dock and boatlift included. 1-year home warranty. Zoned TCF2. Owners will consider a lease-purchase. Donna Zynel, EXIT Gulder Real Estate 239-470-0217

24800 AVONLEIGH BONITA SPRINGS $415,000 Prime location, lake view and privacy surpassess all others. $30,000 of upgrades. New home has never been occupied. Short sale with all offers subect to lender approval. Donna Zynel, EXIT Gulder Real Estate 239-470-0217

8092 SANVISTA CIR 19L NAPLES $309,000 Location, location, location! Gulf of Mexico beaches, schools, public libraries, top shopping & dining all within 5 mile radius. Home is elegantly appointed. Room for a pool or fruit trees. Donna Zynel, EXIT Gulder Real Estate 239-470-0217

VALENCIA LAKES WAS $389,000 NOW $379,000 4 BR 2.5 BA, platation shutters, Corian countertops, extended lanai, oversized lot/garage, master w/sitting area. Must sell! Noelia Shaw, Prestige Properties, (239) 961-3988

LONGSHORE LAKE

BEACH ESCAPE

PERFECT MODEL HOME

NEW WITH GULF ACCESS

$899,900 10859 PHOENIX WAY NAPLES. LAKEFRONT 3 bedrooms plus den and 3 full baths. Vanishing sliders to pool.Premier gated North Naples community with Tennis, fitness, boating, fishing, and golf next door. Nancy Burgess, Downing-Frye Realty, Inc., (239) 571-2287

$699,500 26340 HICKORY BLVD BONITA SPRINGS. Top Floor Direct Gulf Front Residence with covered parking. Breathtaking views. Furnished. Sit on the lanai and listen to the roll of the waves and feel the gulf breeze. Nancy Burgess, DowningFrye Realty, Inc., (239) 571-2287

$489,000 9514 MARINER’S COVE FORT MYERS. Includes country club membership of golf and 192 slip marina. Cherry cabiinets, stainless steel appliances, granite counters, 18” tile. Golf and lake views. Heated pool. Lori Emmons, The Landings Realty, Inc. (239) 229-5666

$1,399,000 1611 CURLEW Luxuriously furnished townhouse with 3 bedroom suites, in the heart of Naples. Boat Dock and ‘all the bells and whistles’ included. Buy waterfront in Naples, NOW. Vicki Hall, Amerivest Realty (239) 398-7966

VERNONA WALK $499,000 Brand new 3 bedroom + den furnished pool home in Verona Walk! This Oakmont has a built in entertainment center, accordion storm, shutters, rectangular pool and side load garage. Beth Brown, Coldwell Banker (239) 250-2408

DECEMBER 12, 2007 ----------------------------------------------------------------------------------------------------------------------- Page 05

Barnes is Part Process Improvement Engineer and Part Change Agent for Coldwell Banker continued from Page 1 Management in the corporate world is about profit. Plain and simple. In November 2003, Barnes was promoted to Managing Broker of Coldwell Banker's two offices in Fort Myers. He immediately hired 31 new agents, completely rebuilt office operating systems, hired a new office manager and redesigned management services offered to agents. Both "profit" centers experienced growth. I asked a hard question. "Having walked the beaches shelling with my grandmother 40 years ago, I thought any real estate office on Sanibel or Captiva would do well. Why do they need a turnaround artist like you?" "Excellent question," he said. "Sanibel and Captiva have been good to Coldwell Banker. My goal is to make good better. After better is great." A harder question. "How is Coldwell Banker managing in this challenging market? "We're doing well." He emphasized well. Perhaps I didn't ask question correctly. This time I asked with more authority, expecting a different answer. "How is it that Coldwell Banker is succeeding when other firms are struggling to stay alive?" "At Coldwell Banker, we begin our conversation with home owners at a different place," he said. "We ask they take 'ownership' of the sales process (another management term)." I asked him to explain. "Upfront, we work closely with the home owner to determine what the 'most realistic' listing price is," Barnes said. "It's more than reviewing comparable values. These days, there are few comparisons that mean anything." "This approach helps to shorten the sales process, because we're not always 'haggling' over price, even in this challenging environment," he said. "Additionally, we ask that home owners help us sell, by making their homes 'marketable,'" he said. "Improving curb appeal, keeping the property show-ready, being available for showings, passing on any potential market intelligence (like when a property in the neighborhood gets listed or has a price reduction), are all things home owners can proactively do to help sell their property." Now for the "wise" part.

Barnes is now managing three prestigious offices - Coldwell Banker Previews International on Sanibel and Captiva. “Sanibel and Captiva have been good to Coldwell Banker. My goal is to make good better. After better is great.”

"The Internet has made the real estate industry more efficient," he said. "And I believe it will ultimately revolutionize the way we sell property." I'm a big Internet advocate. After all, my company is a Printernet company. But this was a pretty bold statement from a relatively conservative and seasoned Realtor. He told me why he believes Realtors make a difference, and the real value Realtors provide in the real estate marketplace. "For the most part, new homes are like products," he said. "Calculate the raw materials and amenities, and you can quickly determine the value of the property." "But for an existing home, it's like a commodity," Barnes said. "Over time, property owners invest in various upgrades and improvements. Only a Realtor is able to accurately assess how each new or improved factor impacts value." "In the short term, the Internet will change the way we evaluate property values integrating Realtor data," Barnes said. Change. Another management challenge. Great managers embrace change. They are change agents. And Barnes is a master change agent. With each change of venue he's take his firm to the top. He started his real estate career in 1978 with Johnson and Johnson Real Estate Company in Boca Raton, Fla. In December 1981, Merrill Lynch bought the local firm and made him manager. For a decade Barnes grew the office to 109 agents and in 1985 and the #1 Merrill Lynch Office in Florida. In 1989, Merrill Lynch promoted him to Regional President, and the firm became Prudential Florida Realty. He served as part of the national management training team, and

founded a commercial Arvida offices consolidat- a registered trademark lipublication called COMcensed to Coldwell Banker ed, Barnes moved to the NET, which is still used Fort Myers Plantation and Real Estate LLC. Each today to promote comoffice is independently Gulf Harbor offices. He owned and operated. mercial listings. has managed that office Barnes plans to be very In 1991 he became Vice and the McGregor Bouaccessible on Sanibel and President of Arvida Realty levard Gulf Harbor office Captiva, although more Services and was voted for more than four years. in the office than on the Outstanding Citizen of the The Coldwell Banker Year by the Boca Raton System has approximately beach. “Come by and see me,” Chamber of Commerce. 3,800 residential real esFive years later, Bettate offices and more than he said. “I’ll be happy to 120,000 sales associates in share my insights and find ter Homes and Gardens a way to help you any asked him to develop and 41 countries and territoway I can,” said Barnes. lead a luxury homes divi- ries. Coldwell Banker® is sion. By 1997, Beth Brown, PA, ABR, GRI Coldwell Banker Barnes 550 Fifth Avenue South relocated to Naples, FL 34102 Little Rock, 239 250-2408 Arkansas BethBrownRealtor@comcast.net and married www.CallNaplesHome.com his wife, Cindy. There REDUCED $69,000 REDUCED $100,000 he headed Rector Phillips Morse Real Estate Company, and was later appointed to the state's Brand new, 4 bedroom + den great room Estate home on the lake In Stonebridge Quality design on the lake with Western exposure. Golf & Country Club . Upscale decor, Control Delasol is a 286 single family home gated high ceilings, 3 car garage and bundled Board by community in North Naples West of I-75. golf are just some of the reasons to love Governor $799,900 this turnkey furnished home. $995,000 Mike Huckabee. By 2000, REDUCED $63,000 REDUCED $25,000 he was back in Florida, managing Arvida Realty, and in 2002, Arvida was sold to Coldwell Beautiful well maintained 3 BR, 2 BA, 2 Brand new two-story, 4 bedroom 2.5 Banker Car Garage home. Features include large bath home on large corner lot across from Residential in-ground spa, roll down hurricane shutcommunity pool in Delasol. Desirable Real Estate. ters, tile throughout and more. Immaculocation close to new Sun-N-Fun Lagoon During that late, after one owner. $275,000 water park $612,000 time, Barnes served as a THE ORCHARDS NORTH NAPLES director on the Bonita Springs Board of Realtors and chaired the Broker Round A prime location in North Naples. ImParadise tucked away in North Naples Table. In maculate 2nd floor 3 BR, 2 BA, carriage on the lake across from North Collier 2003, when home overlooking the lake. This 1,800 sq. Hospital by Orion Bank. Home has the Boft. condo lives like a single family home. granite, tile, and is situated on a huge lot nita Springs ONE YEAR WARRANTY $289,900 in Southwind Estates. $539,000 Coldwell Property information is derived from various sources that may include but not be limited to county records and the Multiple Banker McListing Service. Although the information is believed to be accurate, it is not warranted and you should not rely upon it without Fadden & personal verification. ©2007 Coldwell Banker Real Estate LLC. Coldwell Banker is a registered trademark licensed to Coldwell Banker Real Estate LLC. An Equal Opportunity Company. Equal Housing Opportunity. Owned and Operated by NRT LLC. Sprowls and

Page 06 ----------------------------------------------------------------------------------------------------------------- REAL ESTATE HOT SHEETS

Mis-Manners…Bad Manners…No-Manners

GORGEOUS CONDO IN DOWNTOWN FORT MYERS

Practical Solutions to Everyday Annoyances in the Real Estate World Dear Mis-Manners, I just got off the phone with a very upset Seller, and thought I would ask your opinion on the subject. In a nutshell, I have a condo listed that originally was a F.S.B.O. (For Sale by Owner). A big portion of my presentation centered around the fact that PROFESSIONAL Agents would show the property, and the security of a licensed agent always showing the property in the Sellers absence. A showing was set, and the Seller went to his friend’s home across the street from him to wait for the showing (and to stay out of the way). At the scheduled time, a pick-up truck pulled into the driveway, and three men got out and went to the front door and entered. All three were dressed in jeans, tee- shirts and running shoes. No sign of a REALTOR in sight (or so my Seller thought). My Seller accused me of giving the lockbox code to anyone so I wouln’t have to leave my climate controlled office. After making a frantic call to the Showing Agent, I was a little relieved to find out he was one of the ‘Bums.’ My Seller is somewhat happier, but he confessed to me if he had answered the door, he doubted if he would have allowed the motley crew in.for the showing. Any comments? /Signed/ Over-Dressed for Success Dear Over-it, You certainly know how to get Mis-Manners’ blood pressure racing. This has been one of my sore points for years. Okay, okay, before everyone hops on the band wagon preaching about “dress down Friday” and the “relaxed work ethic," and all that happy stuff, allow Mis- Manners to get on the soapbox. Can someone give me a hand? Common sense does prevail. Dressed in a three-piece suit or an eve-

ning gown to show farm property or new construction with muddy drives and rough interiors may be a bit out of line. But for typical showings, use a little class and common sense. For both men and woman, a suit or jacket and slacks (or skirt) are always acceptable. Men should wear a shirt and tie, and women a coordinating style blouse. If you like a more casual, yet polished look. A a dressy sport shirt would probably be acceptable (depending on YOUR company dress policy). Khaki type slacks would be fine, but blue jeans are a no-no, as are tennis/running shoes. Shoes should be polished and in good repair, Glittery evening shoes with six-inch heels are out (sorry guys). Grooming is also important. Men need to be shaven (the grunge look doesn't cut it boys), business type haircuts and shower fresh. It applies to women with business hair and makeup. Ladies, if you have a flowing mane of long hair, try to keep it in control, (that look only worked for Cher and Crystal Gayle). Always keep a professional image in mind. While someone in there 20’s may appreciate a trendyhip look, an older retired person may not. Keep that in mind when getting dressed for appointments. Bottom line kids, if you cannot function in a blue blazer or shirtwaist dress, you can at least look and act like a real estate agent from a distance. Do you carry a clipboard, notebook or briefcase on appointments? If not, how do you make notes on questions a Buyer may have on a property? If you have on sweat pants and a tee shirt, where do you keep a pen, keypad, glasses, tape measure, flashlight, cell phone palm pilot, and all the other junk we need during showings? Remember, even if your clients and customers claim they don't care what you look and dress like while working with them … they lied. THEY DO CARE! /Signed/ Mis-Manners

HIGH POINT PLACE - FORT MYERS RIVER DISTRICT

BRAND NEW- READY FOR IMMEDIATE OCCUPANCY. Spacious two plus den and three bedroom units available from $620,000 - all with unobstructed river and city views, two balconies and private elevator lobby. State of the art amenities and convenient to restaurants, grocery store, marinas, riverfront city park, Red Sox Spring Training Stadium, Edison-Ford Winter Estates and more. Rentals also available from $1,850. Marilyn Covins, Realtor, STORY BOOK REALTY, INC. (239) 848-5678 marilyncovins@embarqmail.com

ENJOY THE BEST OF SOUTH FLORIDA LIVING

9207 VANDERBILT DR, #5 - NAPLES

LIVES LIKE A SINGLE FAMILY HOME BUT LOCKS UP FOR THE SUMMER like a condo. Unique, rarely available FOUR STORY TOWNHOUSE on the water with its own pool, 30 ft. boat dock with 15,000 lb. lift and long water views from every level. Built in 2000, this END UNIT has three bedrooms, a living room, dining room, butlers pantry, family room, fourth floor den/media room with a balcony the full width of the unit and two and one half car garage.

$2,150,000 Steve M. Suddeth, Downing Frye Realty, Inc. (239) 784-0693

FABULOUS RIVER DISTRICT IN DOWNTOWN FT MYERS

REDUCED $125,000

Life is worth living in this river front 3rd floor condo in downtown Fort Myers. 3 roomy bedrooms and 2 full beautiful baths. A wall of glass opens to a 40' balcony overlooking the royal palms and the river beyond. The views are gorgeous and you will never miss a sunset! Walk across the street to the brand new Publix opening in November, 1st Street Village, One West, shopping, nightlife and great resturants within walking distance. This condo is truly decorated beautifully and has numerous upgrades, stainless appliances, crown moldings FOR SALE UNDER APPRAISED VALUE. REDUCED TO $370,000 FOR RENT $1,400 per month Call Peter Gottschall, Licensed Realtor (239) 565-3474

SELLER WILL CONSIDER A POOL PACKAGE CREDIT AT CLOSING OR BUYER’S closing cost. Located on the Estero River. Gated without all the restrictions. Minutes to Coconut Point, community center, medical center, and the airport. Master suite with 12 x 12 walk in closet, sitting area or nursury. Separate home office and guest quarters offers privacy and personal space. Bedrooms are large as Seller redesigned floorplan to add square footage.

9174 ESTERO RIVER CIRCLE - ESTERO

$650,000 Lynette Grout, John R. Wood Inc. REALTORS (239) 949-7442

DECEMBER 12, 2007 ---------------------------------------------------------------------------------------------------------------------- Page 07

Need Help Buying a Home or Investing? Sailing in Unchartered Waters? As a buyer’s representative, I can help you research select properties to identify potential problems or issues, helping you make an informed decision prior to tending an offer. My expertise is free of charge as the seller pays my commission. My current advice to prospective buyers: there is no better time than NOW to buy in Southwest Florida. As a listing agent, my resources are the most comprehensive anywhere. With the resources of the largest and, in my opinion and the voters of the “Choice” champion’s opinion, the best real estate firm in Collier and Lee County, Downing-Frye Realty Inc., and with the print and Internet strength of The Real Estate Hot Sheets behind me, I can connect you to buyers out-of-market -from Kansas to Connecticut and Duluth to Islamorad

Bernard J. Minarcin, Realtor (239) 269-6855 captnbjm@aol.com

and all points in between.

If you own property located west of 41 in Naples that is zoned Multi-Family and you are looking to sell, call me immediately. I HAVE A LIST OF CASH BUYERS.

UNDER CONTRACT -- PENDING SALE

REDUCED $25,000

HIGHLY SOUGHT AFTER SATURNIA LAKES

$1,700,000 967 Sixth Street South at 10th Ave South, Naples

Was $515,000 ... Now $490,000 1455 Curlew in Naples

$359,000 1678 Triangle Palm Terrace

6 blocks from the Beach 96’ x 150’ Corner Lot with 6 units Zoned Multi-Family less than 10 units Recent Appraisal of $2,250,000

This totally remodeled two bedroom, two bath condo on Curlew Avenue is just minutes from Downtown Naples and it has direct access to Naples Bay and The Gulf of Mexico. Solid oak cabinets with tile countertops in kitchen. New bathrooms and 18”x18” tile throughout with Berber carpet in bedrooms. With soon to be occupied Naples Bay Resort across the canal, this unit will not last long.

Must see to appreciate the exceptional quality in the highly sought after Saturnia Lakes Community. Professionally designer-decorated Cortina Model. Oversized corner lot on cul de sac with lake view. Too many upgrades to list. 1,715 sq ft under air, Two bedrooms, Two baths, plus Den.

GREAT RENTAL INVESTMENT

REDUCED ANOTHER $10,000

SOLD

$199,000 2553 Van Buren Avenue

$269,900 378 Dover Place, Apartment 702

$1,300,000 364 Second Avenue South, Naples

Two Bedroom / One Bath Cottage in the middle of the up-and-coming Bayshore redevelopment Area. Five minutes to 5th Ave and the beaches. Owner has invested thousands in landscaping to enhance the property’s beauty. Great rental property or starter home. Tenant has recently left. Rents in the area are between $850 and $1,200 per month.

Nice Townhouse in Briarwood Community Close to Town. Master Bedroom on Ground Floor. Pergo Floors. Huge backyard. Available to rent, lease purchase or owner financing. SELLER IS ALSO OFFERING HOMEOWNER’S WARRANTY. BRING ALL OFFERS.

3.5 blocks from the Beach 75’ x 150’ Lot Main House 2B/1B, Guest House has Two, 1B/1B Zoned Multi-Family less than 10 units Recent Appraisal of $1,550,000

Page 08 ---------------------------------------------------------------------------------------------------------------- www.realestatehotsheets.com

EXQUISITE ESTATE HOME WITH PREMIER RIVERFRONT LOCATION

15224 BAHIA COURT - FORT MYERS

THIS MAGNIFICENT TWO-STORY GATED ESTATE HOME, FURNISHED and decorated, offers 108’ riverfront, 128’side canal with deep water dockage, offers stunning views of our western skyline. With 5 Bedroom suites, 6.5 baths, elevator, custom cabinetry, 5,600/LA, 10,576-Total, including summer kitchen, pool, 3/car garage, this truly is a custom home with style.

$3,300,000 Gloria Hooper, Gates D’Alessandro & Woodyard, (239) 822-4130

FULLY FURNISHED RIVERFRONT ESTATE

2811 SE 22nd PLACE - CAPE CORAL

CONTEMPORARY HOME WITH 3 BEDROOMS, 2 BATHS, NICELY decorated with beautiful views of the river. Located in Cornwallis off Del Prado - A must see for someone that wants to live on the river. This home is being sold furnished. All furniture is 4 yrs or less old. Sold As Is. Buyer has a right to inspect to determine if the property is acceptable.

$900,000 Gloria Hooper, Gates D’Alessandro & Woodyard (239) 822-4130

PRIME WATERFRONT - PALMETTO POINT

ENJOY THE AMENITIES OF CALOOSA YACHT & RACQUET

9818 RED REEF COURT - FORT MYERS

A BEAUTIFUL, PRIVATE, GATED COMMUNITY WITH RESTAURANT, Marina, Tennis club, pool, fishing lake, and a park. Features 8’ solid wood doors, and 10’+ ceilings, One bedroom has double French doors which is used for an office. Master has 2 California closets, double sinks, double nozzle tiled shower, this home has 2 year and newer carpeting, new silestone kitchen counters, security system and safe. Irrigation well, hot tub, and newly painted inside 2007.

$450,000 Gloria Hooper, Gates D’Alessandro & Woodyard, (239) 822-4130

STUNNING BELLA MODEL ACROSS FROM CAPE HARBOUR

1530 SW 57TH TERRACE - CAPE CORAL

BRIGHT AND OPEN FLOORPLAN WITH DESIGNER FURNITURE featuring greatroom w/ built-in entertainment center, kitchen w/ Corian counter tops, breakfast bar and telephone desk, plant shelves, pocket sliders, master bath w/ garden tub & sep. shower, master bedroom w/ sitting area & bay windows. Enjoy the solar heated pool with sitting area or heated Spa. Open water in 10 minutes, from the wrap around dock w/ tiki hut.

$1,199,000 Charley Nevaril, Waterfront Realty Group Inc (239) 290-9641

OLD NAPLES 3 BLOCKS FROM BEACH

DEEP WATER ACCESS TO GULF - 6757 Danah Court - Fort Myers

Dock accommodates a large yacht and provides two boat lifts. A rare find! Home has recently been completely remodeled including rear and second floor additions. Beautiful new pool, spa and paver deck. Includes hurricane shutters, a large air conditioned workshop, wood Bamboo flooring and more!

$1,490,000 Frank Jenkins, owner/Realtor (239) 410-8606 Kerri Jenkins, owner/Realtor (239) 822-5256

354 First Avenue North - Naples

Home has been totally renovated, including new hurricane proof windows. Granite counters and new landscaping. New screens on lanai. Interiors designed by Robb and Stucky. Custom cabinetry in great room. Truly elegant, stunning and perfect in every way. North canopies you on your walk to the beach just three blocks away. Master suite is spacious. Balcony off master has spiral staircase leading to the pool.

$2,399,000 Norma Netzow, Downing-Frye Realty, Inc. (239) 269-5238

DECEMBER 12, 2007 ---------------------------------------------------------------------------------------------------------------------- Page 09

FA I RWAY L I V I N G : An Insider’s Guide to SW Florida Golf Courses ... by Charles Elig Villa Grande single family home, 3 BR+den, 3,082 sq feet, courtyard pool and spa, preserve and fairway view, $799,000. MLS # 207026318

Every issue of the RealEstateHotSheets will include pertinent information on local golf courses in SW Florida. Many of our new residents feel that it is important to choose the right course and the right membership plan to increase their enjoyment of our wonderful area. With over one hundred courses to select from, the buyer needs to match the course, membership plan, and the home. In this issue, I will review one of our area’s most unique golf courses, Grandezza Country Club in Lee County. Location of Grandezza County Club Lee County, just north of Corkscrew Road on Ben Hill Griﬃn Parkway. Very close by are Miromar Outlet Shopping Center and Florida Gulf Coast University. Types of Membership Plans Full Golf Equity Membership: $40,000 Sports/Social Membership: $7,500 The sports/social membership allows for unlimited golf from May to December and a limited number of plays during season. Membership office is 239-948-3569. Course Details The course was designed very creatively by Darwin Sharp. The 18 hole layout makes wonderful use of the community land and while properties are visible on many holes, the course does not seem tight or restrictive. Personal carts by owners are allowed. Choice (white tee) distance is 5802 Players (blue tee) distance is 6366

Call 239-591-0828 to view any of these value buys at Grandezza.

Grandezza Country Club Course Layout Choice (white tee) distance is 5802 Players (blue tee) distance is 6366

Distinctive Features Ponds and lakes are factors on 15 of the holes, and 10 holes force shots over water on the drive or approach shot. Elevated greens are used on seven of the holes, especially on the back side. Three of the most creative and challenging holes in all of SW Florida are 2, 8, and 10. # 2 is the “Hour Glass” hole, a par 5 which calls for good target golf into the neck of the hour glass and then a mostly blind approach shot to an elevated tee. # 8 is a very diﬃcult Par 3 to a highly elevated green from about 180 yards. And # 10 is a creative dog leg right with a long carry over water from the tee. More intimidating than difficult, with good execution this hole will jump start your back 9. The following holes 11-17 are very challenging and creative, with lots of water carries and four elevated greens. # 18 is a long Par 5 and if you finish well here, you will feel very gratified with your game.

Grandezza Properties for Sale Value buys on the market now at Grandezza include: Oakwod coach home, 3 BR, 1st floor, 1,647 sq feet, fairway view, unfurnished, a BEST BUY a $299,000. MLS # 207032636 Sabal Palm carriage home, 3 BR, 2nd floor, 1,727 sq feet, green and lake view, turnkey, $345,000. MLS # 207032240. Avalon coach home, 3 BR, 2nd floor, 1,767 sq feet, fairway and lake view, furnishings negotiable, $399,000. MLS # 207015953 Savona villa, 3BR+den, 1,975 sq feet, lake view, unfurnished, $ 429,000. MLS # 207022389. Cypress Cove single family home, 4 BR, 2,553 sq feet, huge pool, fairway and lake view, furnishings negotiable, a BEST BUY at $479,000. MLS # 20703318

Charles Elig, ABR

Charles Elig is a full time Realtor at Downing-Frye Realty in Naples, Florida, and a member of The Steve Schoepfer Team. Charles is a specialist in the golf communities of SW Florida. Since moving to the area in 1997, he has played on more than 70 of the courses in order to fit his buyer to the right golf experience. He can be reached at 239-591-0828, or by visiting www.NaplesBestGolfProperties.com.

Charles Elig Is Your Guide to the Sweet Life in Naples eal estate professional Charles Elig is passionate about Naples and the lifestyle found here. In fact, he’s played the majority of the area’s golf courses. His expertise in the surrounding golf communities has made him the consummate guide for people looking to buy or sell a home near the green.

With Charles’ straightforward style of communication, attention to detail and seasoned business background, it’s easy to understand why people ﬂock to him just as they do to this beautiful area. When you’re ready to make the most of your next move, call Charles Elig and Find Your Sweet Spot in Naples.

FIND YOUR SWEET SPOT “The Insider’s Guide To Naples Golf Communities” A free special report to help you make the most of this unique lifestyle. Charles Elig has built his business by always going the extra mile to ensure his clients reach their goals. That’s why he is offering a free special report for people interested in buying Naples real estate, compiling “The Insider’s Guide to Naples Golf Communities.” This unique report is ﬁlled with vital information to help you ﬁnd your sweet spot in Naples. It covers everything from membership dues to course design and is critical reading if you want to make an educated decision on which community is right for you. This report holds keys to your success. Simply call Charles today to request your free copy.

FIND YOUR SWEET SPOT

Toll 1-866-398-8494 Toll Free: Free: 1-866-398-8494 Direct: 239-591-0828 Direct: 239-591-0828 Email: CharlesElig@comcast.net E-mail: Charles@CharlesElig.com

Web: www.NaplesBestGolfProperties.com Web: www.CharlesElig.com

REALTOR ®

EQUAL HOUSING OPPORTUNITY

Page 10 ----------------------------------------------------------------------------------------------------------------- REAL ESTATE HOT SHEETS

Money & Mortgage Matters: OFHEO Announces 2008 Conforming Loan Limits At this time of year, mortgage professionals anxiously await an announcement by the Oﬃce of Federal Housing Enterprise Oversight (OFHEO) on new Conforming loan limits for the following year. This year’s announcement was of particular interest since Congress had been petitioned by many to increase these limits in order to provide liquidity in the troubled Jumbo loan market. With both Fannie and Freddie recently reporting negative news regarding their portfolios, we are grateful that loan limits were not reduced. Conforming loan limits will remain at $417,000 for single family housing. A loan is considered to be “conforming” when it complies with these loan limits and also with all other guidelines set by Fannie or Freddie. The Federal National Mortgage Association (Fannie Mae) was established by Congress in 1938 as an official agency of the federal government. It was created to develop a secondary market for mortgage loans by purchasing and selling FHA-insured mortgage loans (and VA loans starting in 1948). In 1968, Congress divided Fannie Mae into two organizations, the present Fannie Mae as a private stockholder-owned government-sponsored enterprise (GSE) and the Government National Mortgage Association (Ginnie Mae), a government agency within HUD. Although federal ownership of Fannie Mae has ended, HUD and the U.S. Department of Treasury oversee the corporation. Many times you may hear that Fannie and Freddie have an implicit guarantee from the U.S. government. Hopefully we never have to find out! However, both do receive generous federal credit privileges such as a line of credit with the U.S. Treasury, exemption from state and local income taxes and other perks. The Federal Home Loan Mortgage Corporation (Freddie Mac) is another stockholder-owned government-sponsored enterprise (GSE) chartered by Congress in 1970 to keep money flowing to mortgage lenders in support of homeownership and rental housing for middle income Americans. Similar to Fannie, Freddie purchases, guarantees and securitizes mortgages to form mortgage-backed securities.

The Federal Housing Administration (FHA) also announced that its loan limits would remain the same. FHA loan limits are determined by location. Currently, the FHA loan limit for Collier County is $362,790 and for Lee County it is $270,750. Supporters of the FHA have vigorously petitioned Congress to allow the FHA to match its limits to Fannie and Freddie. That bill is currently languishing in Congress. Here is the text of the oﬃcial announcement. Washington, DC - Oﬃce of Federal Housing Enterprise Oversight Director James B. Lockhart today announced the maximum 2008 conforming loan limit for single-family mortgages purchased by Fannie Mae and Freddie Mac (the Enterprises) will remain at the 2007 level of $417,000 for one-unit properties for most of the U.S. Higher limits apply to Alaska, Hawaii, Guam and the U.S. Virgin Islands as well as to properties with more than one unit. The conforming loan limit determines the maximum size of a

mortgage an Enterprise can buy or guarantee. By law the maximum conforming loan limit is based on the October-to-October change in the average house price in the Monthly Interest Rate Survey (MIRS) of the Federal Housing Finance Board (FHFB). The FHFB reported the decline in the average price was $10,685 or 3.49 percent, from $306,258 in October 2006 to $295,573 in October 2007. The combined two-year decline is now 3.65 percent. “While the house price survey data used in determining the conforming loan limit show a decline over the past year, as previously announced and consistent with the proposed new conforming loan limit guidance, the level will remain at $417,000 for the third straight year,” said Lockhart. On October 22, 2007 OFHEO published in the Federal Register a revised Examination Guidance proposal for procedures relating to the calculation of the conforming loan limit and implementation of increases or decreases in the limit. OFHEO published the initial

proposal for comment on June 20, 2007. The second comment period has now closed and OFHEO is reviewing comments received. At the time of the October publication, OFHEO announced that no decreases in the loan limit would be required for 2008, regardless of the price data in the MIRS report.

William Dukes is a licensed FL Mortgage Broker with over 25 years of financial advising experience. Prior to becoming a loan officer, Will spent 15 years as Director of HR for publically traded companies. Questions for this column can be sent to napleslender@yahoo.com or by calling (239) 272-2241.

Associates

Real Estate Services, Inc. Mission Square Retail Showroom at $20/sft. plus cam Flex space from $12.00 /sft. plus cam Office space from $13.00 /sft. plus cam Executive suites from $395.00 Warehouse space from $4.00 /sft. plus cam New Marco Medical office space $22.00 /sft. plus cam New Bonita Medical office condo 2,026 sqft. $475,000.00 New Naples Industrial Condo 1,700 sqft. $310,000.00 Don’t settle for anything less than a FULLY QUALIFIED ASSET MANAGER! We’re now accepting New Commercial Management Accountslimited capacity, don’t miss out!

With over 21 years of experience in Commercial Asset Management and Commercial Brokerage, I offer: Full Time, Full Service Real Estate Options No Assistants No Apprentices No Excuses • • • • •

Development / Redevelopment. Insurance premium discount. Expert witness. 1031 exchange consultation. Lower CAM Rates

Allen F. Richardson, CPM President/Broker

Associates Real Estate Services, Inc. Naples, FL 34113 (239) 261-2334 5039 East Tamiami Trail allen@naplescommercialrealestate.com

DECEMBER 12, 2007 ----------------------------------------------------------------------------------------------------------------------- Page 11

YESTERDAY I WAS A LAW ENFORCEMENT OFFICER. TODAY I AM A REALTOR FOR PRUDENTIAL FLA WCI. YESTERDAY: I came to Fort Myers in 1972, and been here ever since. I chose law enforcement as a career, and served 27 years with the Lee County Sheriff 's Office, retiring with the rank of Major. Shortly after retiring, I became bored and missed being with the public. I started searching for a new career. TODAY: I was always interested in real estate and helping people, so I studied hard, passed the Florida Real Estate exam and decided to hang my new hat at Prudential Florida WCI. Real estate is a great occupation because it lets me do two things I very much enjoy -- helping people and finding solutions to their property or investment needs. As a former law enforcement officer, I know Lee County like the back of my hand. It’s one of those special assets Randy L. Collmer, REALTOR

I bring to the table when searching for the perfect real estate opportunity.

Prudential Florida WCI

5571 Berkshire Dr #101, Ft Myers

REDUCED $40,000

9861 Mainsail Ct, Ft Myers

Don’t buy until you see this Condo! The Canterbury model, corner unit, 1st floor, located on the lake. Has never been lived in. 3 bedrooms and 2 1/2 baths. A huge family/living area with a kitchen bar, French doors leading out to the lanai overlooking the lake. $359,900

Harbourside Caloosa Yacht & Racquet Club! French doors lead out to the screened lanai to a built in hot tub. The home is on a fresh water canal loaded with fish. Split master bedroom. 3 Bedrooms, 2 Baths. WAS $459,900 NOW $419,900

608 Sunnyside Ct, Ft Myers

2936 Oleander St, St. James City

BOATERS DELIGHT, cozy three bedroom two bath home. To top it all oﬀ, the 24'deck boat w/150 hp evinrude motor, stays with the home. You can leave this dock in be in the river/intercoastal waterway in about five 5 minutes. Motivated sellers. All reasonable oﬀers will be considered. $649,900

This condo is immaculate. Newly tiled. New appliances in 2005. New a/c system in 2005. Turn key, everything stays, just move your clothing in. Boat slip is out back. Direct access to the Gulf of Mexico. Private heated pool. Covered parking w/extra storage unit. $339,9000

8979 Paseo De Valenia, Ft Myers

205 SW 45th St, Cape Coral

Jardin model that no one has ever lived in. Purchased as a second home. Upgrades galore, crown molding throughout, 6 base molding, oak staircase with black wrought iron spindles. Plantation shutters 5 Bedrooms, 4 Baths. $629,900

Fantastic buy in a great neighborhood. This 3 bedroom, 2 bath home is like new. Kitchen has new cabinets and counter tops with newer appliances. Tile and wood-like flooring throughout. Pool, high privacy fence.

2851 Old Burnt Store Rd, N Cape

829 El Dorado Pkwy, Cape Coral

Gated private drive takes you into the 10+ acres that is completely fenced. In the rear, a large pond along with a 4 stall barn, plus a tack room. A 40x24 pole barn with cement slab. This property can be agg. exempt. Immaculate home with all the extras. New roof, pool/outdoor shower. $2,850,000

A Michigan built 3 bedroom 2 bath home located in a fabulous neighborhood in SW Cape Coral. Large pool with solar heat & a brand new screen cage. Newly painted. New plumbing and a new hot water heater. A new a/c compresoor, and newer pool pump.

Randy L. Collmer (239) 565-9514 (239) 482-5700, extenstion 5375 randycoll@comcast.net Prudential Florida WCI Realty 6611 Orion Drive # 201 Fort Myers, FL 33912 (239) 482-5700 (239) 482-7711 (fax) Prudential is a service mark of The Prudential Insurance Company of America, Equal Housing Opportunity

$214,999

$286,900

Page 12 ---------------------------------------------------------------------------------------------------------------- www.realestatehotsheets.com

Boutique Hotel o FOR SALE

Zoned C-4 with Direct Gulf Access. Located ... As a destination Relax and cast your cares aside for a week or two, for a month, or for an entire season. Our well appointed rentals include two bedroom condo/villas, studios, and a three bedroom vacation house situated right on the Naples coast with direct boating access to the Gulf of Mexico. Lounge at the pool, enjoy evenings overlooking the water, and relax with family and friends in this magnificent Florida setting. A hotel room simply cannot compare to the intimate experience our vacation rentals provide yet we’re just minutes from the beach, Naples’ best golf, fine dining, and some of Florida’s best shopping. Along with our vacation house, we have enough room for family reunions, wedding parties and graduation parties. We are the ideal setting for that special event you’re planning.

... As an investme investment Rent The Waterside V 11 total units including and (1) 3-bedroom/2 Approximately 1 acre, Commerical overlay (a ground floor/residenti The most striking featu • 157 feet of water fr • Adjacent 1/2 acre • Rentable floor area • Boat docks, Poolsid • Located adjacent to Additional information

$2,900

DECEMBER 12, 2007 ----------------------------------------------------------------------------------------------------------------------- Page 13

r Bed & Breakfast

Redevelopment Opportunity AND INCLUDES Hotel License

on One +/- Acre of Prime Naples Property

an investment ent Villas on a daily, weekly, monthly or yearly basis. g (6) studio efficiencies, (1) Hotel room, (3) 2-bedroom suites 2 bath house with living room and a family room. zoned C-4, General commercial with BMUD-Neighborhood allowing for greater density, and mixed use - building-commercial ial up). ures of this opportunity are: rontage on canal parking lot (included) a, approximately 6,185 square feet de Bar, Waterfall, Metal Roof â&#x20AC;&#x153;Chickeeâ&#x20AC;? Hut o the new marina site for Treviso Bay Club Owners n and photos at www.watersidevillas.com, or visit www.marcoexpert.com.

0,000

Pat Wilkins RE/MAX World Record Holder Circle of Legends RE/MAX Results Realty 847 North Collier Boulevard Marco Island, FL 34145 Office: (239) 394-8118, ext. 4354 Mobile: (239) 290-8593 Fax: (239) 394-3797 Email: patwilkins@marcoexpert.com Web: www.marcoexpert.com

Page 14 ---------------------------------------------------------------------------------------------------------------- www.realestatehotsheets.com

ANY DOCUMENT. ANY TIME. Naples Signing Agent Mobile Notary Service Servicing Title Companies, Realtors, Mortgage Brokers, Lenders & Attorneys • • • • • • • •

Closing Documents Bill of Sale (Auto & Boat) Power of Attorney Documents Contracts Affidavits Deeds Liens Wills After Hours Weekends Holidays Licensed Insured

PERFECT CHRISTMAS GIFTS Gold and Silver ARTIFACT / ANCIENT LOOK JEWELRY French Artiste Helene Dinand presents her latest line of Pendants, Rings and other HAND CARVED Art Jewelry. Each piece is made of precious metals

Contact Mary Jaeger Minarcin

and is pronounced with an Aged Finishing and Patina.

(239) 821-3221 www.naplessigningagent.com

These are one-of-a-kind gifts for any time of the year.

Please Note: I am not an attorney licensed to practice law in Florida and I am may not give legal advice or accept fees for legal advice.

www.DinandJewelry.com

Trust is Earned. It’s Time. It’s Time for Change. It’s Time for Change in the Collier County Sheriff’s Office. Importantly, it’s time... • for positive community interaction • to apply fiscal management to the out of control budget • for stronger leadership

My experience speaks for itself and it qualifies me to provide you with a more efficient and effectively run Collier County Sheriff’s Department. • • • • •

Veteran, USAF Law Enforcement Florida Highway Patrol - State Trooper 23 Years, Private Investigator 25 Years, Martial Arts Instructor 23 Years, Business Management

SECURITY TRUST Mortgage Broker and Loan Processing Services First and Second Home Purchases First Time Homebuyers Investment Properties Cash-Out Refinances Rate & Term Refinances Lease Purchases

Let my knowledge and valuable mortgage experience

VOTE FOR

go to work for you and your buyers.

Republican Primary, Aug. 26, 2008 www.electortino.com (239) 353-4224

Licensed Mortgage Broker (239) 434-8488 Process@SecurityTrust-Mortgage.com

VICTOR ORTINO The Florida State Lodge, Fraternal Order of Police, Proudly Endorses Victor Ortino for Collier County Sheriff in 2008! Political advertisement paid for and approved by Victor Ortino, Republican, for Collier County Sheriff P.O. Box 10063, Naples, FL 34101 239-353-4224 FAX 239-353-1907

Sue Flynn

Contract Loan Processing available to Licensed Mortgage Brokers

DECEMBER 12, 2007 ------------------------------------------------------------------------------------------------------------------------ Page 15

An Original of the van Gogh Self Portrait with Grey Hat

Not painted with oils, but created entirely out of butterfly wings. An absolutely incredible masterpeice by French artists Henrik et Josette Pawlok. Actual size is approximately 11 inches x 13 inches.

$350,000 U.S.D. Call (239) 860-3417 or email to dinandh@aol.com for more information.

www.HairExtensionsByVernon.com

Give Your Movie Buff a Holiday Gift that will Appreciate with Time

own all of marakoka avenue anchor point, alaska The Terrace View Estates 2 nuggets of gold found in january 2006 potential oil & gas exploration zoned multi-use buy entire 190 Acre parcel or one of 19, 10 acre lots

Very Rare Original Movie 1-Sheets Highly Collectible Art Expertly Preserved The Barefoot Contessa ... $3,150 Battle Circus ... $1,750

call (239) 248-3951

Call (239) 248-3951

Page 16 ---------------------------------------------------------------------------------------------------------------- www.realestatehotsheets.com

REAL ESTATE HOT SHEETS Published by Real Estate Hot Sheets Inc.

Michelle Craft, CEO and Publisher Anthony Barba, CTO Jodi Maher, Marketing Manager Michelle Freiburger, Sales Representative Robert Crans, Sales Representative Published bi-weekly out of season, and weekly in season, from December 15 to May 31 each year. The next Edition is scheduled for December 27, 2007

Donald K. Ross, Jr.

Real Estate Hot Sheets (REHS) is a printernet company with traditional print products as well as Internet products. You can contact REHS on the Internet: www.realestatehotsheets.com/contact.html or by writing to us at Post Oﬃce Box 343, Estero, FL 33928 Telephone: (239) 992-9642

President Ross Title & Escrow, Inc.

**********************

SEEKING INVESTOR(S) For REAL ESTATE HOT SHEETS franchising opportunities in 100 major markets across the United States. Must be an accredited investor, and have experience in the Real Estate and Publishing Industries. call Michelle Craft (239) 992-9642 mmc@realestatehotsheets.com

TIB Financial Center 599 Ninth Street North Suite 300 Naples, Florida 34102

Behind in your Mortgage Payments? Facing Foreclosure? Let me help you with your credit. Confidential Interview for a Short Sale. Call me at (239) 565-7977 for a Free Consultation. 21178 Noddy Tern Drive Vacant land located on the prestigious Flaming Bayou Subdivision. Build duplex or single family, reduced $100,000 to $299,000

5483 Capbern Court Unfurnished attached villa in Whiskey Creek 55+ subdivision. Villa is immaculate and priced to sell. Large enclosed porch with western exposure overlooks spacious landscaped area. $181,500 4790 South Cleveland Ave WATCH OUT OR YOU WILL LOSE A CHANCE to own this completely remodeled condo overlooking a beautiful pool in one of the best kept secrets in Fort Myers, great location just minutes everything. $137,900 2875 Palm Beach Blvd Fabulous upriver views from this remodeled unit. Seller is ready to sell so make an offer. Newly renovated docs for your boat at no additional charge, will accomodate up to a 30' boat, gulf and intercoastal access. $209,000

Rita Oben, P.A., Broker Associate

Coldwell Banker Real Estate & Mortgage 15065 McGregor Blvd., Suite 106 Fort Myers, FL 33908 239-565-7977 239-415-1026 Fax 239-565-7977 Cell rita.oben@floridamoves.com

Property information is derived from various sources that may include but not be limited to county records and the Multiple Listing Service. Although the information is believed to be accurate, it is not warranted and you should not rely upon it without personal verification. ©2007 Coldwell Banker Real Estate LLC. Coldwell Banker is a registered trademark licensed to Coldwell Banker Real Estate LLC. An Equal Opportunity Company. Equal Housing Opportunity. Owned and Operated by NRT LLC.

Company Telephone: (239) 424-7700 Direct: (239) 280-4161 Company Fax: (239) 434-0339 Email: DRoss@RossEscrow.com

Remember ... I will meet or beat anyone’s title insurance rates.

MINNESOTA NICE, MIDWEST INTEGRITY. “It all comes down to working hard for your customers, being honest and staying educated on the market and new mortgage products available.”

15250 RIVERBEND BLVD, #102 NORTH FORT MYERS ONE YEAR FREE ASSOCIATION PAID. Beautiful Riverbend Golf and Country Club. 1st floor, 2 Bedroom+ Den, 2 Bath unit overlooking winding canal and wildlife area. Unit is priced below market value. $274.900 19711 MARINO LK CIR, #1102 FORT MYERS Spectacular 1st floor unit situated directly across from the lifestyle center/fitness center/pool. Granite counter tops,tile,wonderful master suite,fantastic views and all the fine ammenties Miromar has to offer. Great Price. $535,000 209506 CALLE CRYSTAL, NORTH FORT MYERS Wonderful location in Solana at Herons Glen. Larger 2 Bedroom, 2 Bath unit is fully furnished. Price negotiable. Owner would like to move quickly. View is of preserve and nature area. $265.900

18100 WILDCAT DRIVE, FORT MYERS 10.44 Acres, Zoned Residential. Great Location. Just minutes from Old Corkscrew Golf Course by Jack Nicklaus. Priced to Move. Bring All Offers. SELLERS ARE MOTIVATED. $855,000

Mike Straley, Broker Offsite Realty, Inc. 877) 246-5360 www.offsiterealtyflorida.com

DECEMBER 12, 2007 ----------------------------------------------------------------------------------------------------------------------- Page 17

Unlimited 360 Views & Stills

$69

why pay more?

HISTORIC WHITEHALL MANOR Set against the beautiful Chesapeake Bay

Same Price for All Areas. Links to MLS. Realtor.com links free for Showcase. Printable Brochures. Your own web page for all your tours. All for the same price.

A Perfect Home. A Perfect Investment. Or Both Set on 16 acres, < a mile from the Bay Bridge 8 bedrooms, Formal Dining, Formal Sitting Rooms Plus, Plus, Plus WAS - $1,825,000 NOW - $1,300,000 FOR SALE BY OWNER Robert Crans, Jr. (239) 821-1943 fsu882@aol.com

Vi360 of Southwest Florida serving Lee, Collier and Hendry counties (239) 948-5353 swfl@Vi360.com

Wishing Prosperity in 2008 The Staff and Entire Team of Shamrock Bank wishes you every prosperity in 2008: Don on York, President & CEO

Greg Hallam, Senior Vice President & Senior Loan Officer

Mark McCabe, Vice President & Loan Officer, Commerical

Zig Bays, Vice President, Residential Lending

895 Fifth Avenue South in Naples (corner of Fifth Avenue and Tamiami Trail South)

(239) 919-5199 or toll free to (866) 919-5199

Page 18 ----------------------------------------------------------------------------------------------------------------- REAL ESTATE HOT SHEETS

THE STOCK DIFFERENCE

READY FOR LIVING PASEO is brought to you by Stock Development, Lee County’s Developer of the Year, and one of the premier builders and developers of luxury homes in Southwest Florida. Finely crafted homes, exciting amenities and first-rate service are what you’ve come to expect from Stock. You can count on Stock to offer exceptional value for the dollar, with homes that offer truly innovative design and exceptional architectural details that stand apart from the crowd. In every Stock home, you’ll be pleased to discover many standard design features that other builders would consider upgrades. It’s these extras, and an unwavering commitment to excellence and value that makes The Stock Difference.

2007 COMMUNITY OF THE YEAR

More Reasons To Love PASEO

Lee County’s Community of the Year • Winner of 14 Pinnacle Awards Winner of 5 Superior Home Awards & The Judge's Award for Overall Architectural Design and Land Planning by the Lee Building Industry Association Offering Casitas, Townhomes, Flats and Single-Family Homes • Coming Soon – the 26,000 sq. ft. Village Center !

Residences from the $300s SALES CENTER LOCATED AT

9011 DANIELS PARKWAY, FT. MYERS

Tel: 239.425.6777 www.PASEO-FTMYERS.com

BROKER PARTICIPATION WELCOMED. ORAL REPRESENTATIONS CANNOT BE RELIED UPON AS CORRECTLY STATING THE REPRESENTATIONS OF THE DEVELOPER. FOR CORRECT REPRESENTATIONS REFERENCE SHOULD BE MADE TO THE DOCUMENTS REQUIRED BY SECTION 718.503, FLORIDA STATUTES, TO BE FURNISHED BY A DEVELOPER TO A BUYER OR LESSEE. NOT AN OFFERING WHERE PROHIBITED BY STATE LAW. PRICES SUBJECT TO CHANGE WITHOUT NOTICE. PHOTOGRAPHY IN THIS AD MAY BE STOCK PHOTOGRAPHY USED TO DEPICT THE LIFESTYLE TO BE ACHIEVED RATHER THAN ANY THAT MAY EXIST.

DECEMBER 12, 2007 ----------------------------------------------------------------------------------------------------------------------- Page 19

“Season” Greetings Coming to Florida for Season? Planning to Check Out the lower Prices on Real Estate? Purchase Property Through Me, and I’ll Fly you Back Home! (239) 292-5588 REDUCED $50,000

REDUCED $10,000

DRASTIC REDUCTION

2810 Estero Blvd #411 Caper Beach Club on Fort Myers Beach, 4th Floor Condo with 2 beds, 2 baths at this absolutely fun getaway. Spectacular views. Was $849,000 NOW $799,000

423 SE 16th Street CANAL HOME IN CAPE CORAL 3/2/2 built in 2003,spacious w/ tile and hardwoods, large lanai Priced to sale fast at $179,900 NOW $169,900

22712 Island Pines Way #502 NOT A MISPRINT. SELLER WANTS OFFERS ON THIS UNIT. Beautifully furnished penthouse with great views of both the gulf and bay. never rented, in mint condition. $486,500

REDUCED $20,000

TENANT IN PLACE

REDUCED $10,000

REDUCED $70,000

9062 Prosperity Way 9523 Hemingway Lane Country Club Living at its Finest 3 Bed, 2 Bath, 1709 Sq. Ft. Pool with Spa. Hurricane Shutters, 18” tile, Maple Cabinets. Social membership. $309,900 Seller will Lease Back

10083 Oakhurst Way Seller is highly motivated and will consider all offers, 20% secondary financing available. Brand new home in Fort Myers in most desirable Colonial CC. Tenant in place for $1,400/mo. $294,500

10023 Colonial CC Blvd CHAMPIONSHIP GOLF !!!! life is good in this twin villa w/1700 sf of leisurely living, with 2 car garage. Social membership included Value priced at $249,900

PRICED BELOW COST

740 North Estero Blvd # A-2 Good bye to Traffic Woes! Enjoy life in this fabulous beachfront condo with awesome rental program. 2/2, 1,285 sf . Seller ready to sell. $829,000

Designed for the Florida Lifestyle! Wide open views of the sparkling pool/spa, lake and beyond to the challenging championship Gordon Lewis Golf course. The finest Country Club living in Lee Co. The only Caymen model available, one story executive living w/over 2,200 sf, bundled golf and social membership included! Custom window treatments, wainscoat, crown moulding, expansive kitchen w/maple cabinets, granite tops, stainless steel appliances. Polished porcelin rectified 24 tile french doors to den.

$569,000 NOW $499,000

JUST REDUCED

22604 Island Pines Way. #402 Don’t blink. This beauty will be gone! 3 beds, 3 full baths, 2,163 sf, condo/townhome has absolutely incredible views of Estero Bay, granite counters, cherry cabinets $699,000

5316 SW 9th Place in Cape GORGEOUS WATERFRONT sailboat access, short ride to river 4/2 w/sparkling htd pool, tile thru-out granite kitchen w/stainless appl dock, lift, unit 64, STEAL IT FOR $399,000

8587 VIA GARIBALDI CIR ESTERO. END UNIT WITH WATER views. Features spacious open floor plan. 3 Bed + den, 2 bath. Granite in Kitchen & bath, Cherry Cabinetry. Crown molding. French doors. $249,900

9209 Calle Arragon Ave #105 Laguna Lakes in Fort Myers. This 3 bedroom 2 bath corner unit is located in the former model building and offers a spectacular lake view. $299,000

Michelle D. Freiburger YOUR HOUSE SOLD REALTOR 827 SW 14th in Cape NOT A SHORT SALE! Perfect for the first time home buyer or make this home your retirement haven. Home has been updated. Check out the taxes. Seller is very motivated. $159,900

15597 Spring Line Ln FTM Walk to Riverdale High School from this location. Home is well kept with a split floor plan. Great curb appeal. Seller is motivated. Show and bring an offer. $174,900

2227 SEth in Cape This 3 BD 2 BA home priced to sell. Just minutes from the Coralwood Mall, Owner says sell it NOW. Bring any reasonable offer! All assesments are in and paid. $119,999

Broker Associate (239) 415-9300 ext. 115 (239) 292-5588 (mobile) michelle.freiburger@ﬂoridamoves.com www.ﬂoridamoves.com/michelle.freiburger Property information is derived from various sources that may include but not be limited to county records and the Multiple Listing Service. Although the information is believed to be accurate, it is not warranted and you should not rely upon it without personal verification. ©2007 Coldwell Banker Real Estate LLC. Coldwell Banker is a registered trademark licensed to Coldwell Banker Real Estate LLC. An Equal Opportunity Company. Equal Housing Opportunity. Owned and Operated by NRT LLC.

Page 20 ----------------------------------------------------------------------------------------------------------------- REAL ESTATE HOT SHEETS

“I loved Southwest Florida so much, I moved here. Today, I love it even more. That’s why I help buyers find property here, so they can enjoy the same lifestyle as me!” Call me at (239) 821-9203 or visit www.marcohomesandfishing.com My name is Wright Taylor, and I am a Texan. But as great as Texas is, I just couldn’t get enough of what Florida had to offer. Trip after trip, I would wonder what it would be like to stay in Florida after one of those fabulous fishing trips. One day I took out a map of Florida and studied my options. What about this place called Marco Island? I left after work one day to check it out. I found myself asking the question, why was I still living in Texas, when I could be two hours to The Keys, an hour and a half to Biscayne Bay, an hour to Pine Island Sound, and five minutes to the Ten Thousand Islands. And as an avid fisherman, why wouldn’t I want to be “strategically” living in the fishing capital of the world? Why is all of this important? Because like I said earlier, I’m like everyone else that comes to Florida for a vacation and doesn’t want to go home. I am living proof that if you want something bad enough, you just have to do it, because deep down you know it’s the best thing for you! Wright’s real estate partner is Michelle Gerard. Michelle is originally from Centerville, Ohio, but has lived on Marco Island for 17 years. Michelle has a tremendous amount of knowledge about the condos on Marco’s beautiful beaches. Together, Wright and Michelle can help you in any real estate transaction, from vacant land to that multi-million dollar beachfront penthouse. Call Wright or Michelle, even if you just want to talk about fishing!

SALE PENDING

Duchess $675,000 This HUGE 2 bedroom, 2.5 bath condo has 1742 sq ft under air, and what a view of the beach and pool. If you’re looking for that perfect, spacious Marco Island getaway, this is it. Offers considered. New shutters! www.263082.LiveOnMarco.com

Marco Vista $440,000

La Peninsula

Majors

Wow! You’ve been looking but know you’ve found it, a rarely available Marco Vista end unit with a boat lift. This direct access condo is just minutes to the Marco River and the Gulf of Mexico. This unit owns boat lift # 1. New carpet in unit, new roof and the building being painted all in May 2007. www.270804.LiveOnMarco.com

WAS: $550,000

WAS: $898,000

NOW: $510,000

NOW: $838,000

Over the top decorated! If you want to live on the water in a fabulously decorated condo, this is it! From the floors to the ceiling, you have to see this condo. Way to much to explain. Call for details or for your private showing.

This 4 bedroom + den, 3.5 baths Pinehurst model is located on the Mustang Island Golf Course in Lely Resort. Is being sold unfurnished and has lots of custom stone work. This courtyard home has tons of room and privacy. Lely Resort is one of Naples best golf communities and is close to everything. www.272626.LiveOnMarco.com

Prudential Florida WCI Realty 900 North Collier Boulevard Marco Island, FL 34145 (800) 237-8817 or (239) 821-9203 Prudential is a service mark of The Prudential Insurance Company of America, Equal Housing Opportunity

DECEMBER 12, 2007 ----------------------------------------------------------------------------------------------------------------------- Page 21

WHAT LUXURIOUS RESORT LIVING IS ALL ABOUT

6664 GLEN ARBOR WAY - NAPLES

GULF ACCESS HOME WITH ALL OF THE UPGRADES

15810 CATALPA COVE DRIVE - FORT MYERS

ARBOR GLEN IS AN UPSCALE NEIGHBORHOOD OF ONLY 41 LUXURY HOMES. Double French doors open to living room with gas fireplace and dining room with 12 ft. tray ceilings, and indirect lighting. Granite kitchen has stainless steel appliances, raised panel cabinets and opens to family room and breakfast nook with mitered bay windows.10 ft. sliders from master bedroom, living room and family room lead to oversized lakefront lanai pool, spa, built-in grill and pool bath.

BOAT SLIP CAN ACCOMMODATE 35’ BOAT. 4,400 SQ FOOT POOL/spa home with 4 bedrooms, den, 4.5 baths, kitchen with stainless steel appliances including a sub-zero refrigerator. Large walk in pantry, wine cooler, central vac, built in entertainment center, bonus room with wet bar, summer kitchen, large master on second floor with a morning kitchen and balcony overlooking the canal and mangroves.

$ 1,295,000 Sheila R. Faragher, Vineyards Properties Inc. (239) 272-0184

$1,195,000 Owner/Agent: Richard Dorrian, Realty World Florida (239) 218-8192 dorrian6@comcast.net

EXQUISITE GULF VIEWS

THE BEST OF THE BEST IN SANIBEL

8473 BAY COLONY DRIVE - NAPLES

15th FLOOR, 3 BED + DEN + 3 BATH RESIDENCE REPRESENTS THE epitome of luxury, spaciousness and comfort with its generously sized rooms making entertainment a must. Thoughtful interior finishes include gorgeous marble flooring and granite kitchen. You’ll enjoy two screened balconies, one off of the Grand Salon and the second off of the Den and Guest Suite. $3,900,000 Brenda J. Butterworth, John R. Wood Inc. REALTORS (239) 919-6429

1605 MIDDLE GULF DRIVE 104 - SANIBEL

QUIET AND SERENE LUXURY CONDO ON 1st FLOOR WITH WALK down to gulf and pool. This 2 bedroom + den, 2 bath with 1962’ makes this condo live like a home. Quality costruction with multi million $ roof. New a/c condenser 05, new air handler and water heater in 06. New security shutters both back and front. Ready for you to move in or decorate to suit. Should rent in season for approx. $10,000 per month.

$1,295,000 Marjorie McCombs, Coldwell Banker Previews (239) 482-6018

Florida Flatz Fishin’ $350 Half Day Rate $475 Full Day Rate Call (239) 289-3653 Visit www.floridaflatzfishin.com Captain John C. Morrison USCG, Licensed & Insured

Page 22 ----------------------------------------------------------------------------------------------------------------- REAL ESTATE HOT SHEETS

Happy Holidays and Best Wishes for a very Prosperous New Year! Downing-Frye Realty, Inc. 3411 Tamiami Trail in Naples (239) 261-2244 Downing-Frye Realty, Inc. 27180 Bay Landing Drive #5 in Bo Bonita Springs (239) 992-8711 www.downing-frye.com

DECEMBER 12, 2007 ----------------------------------------------------------------------------------------------------------------------- Page 23

Park Shore

4770 WHISPERING PINE WAY

Live on one of Park Shores most desirable streets. Your options are endless with this 3 bedroom 2 bath home that IS NOT A TEAR DOWN. Enjoy the beautiful back yard and fruit trees from the huge screened in lanai. The family room has a stone fireplace and wood floors that extend into the kitchen.

$1,050,000

Joe Belz, Prestige Properties (239) 825-3646

Aqualane Shores

506 21st AVENUE SOUTH

Enjoy a very private tropical paradise. The 3 bedroom home with pool/spa overlooking the boat dock and canal. Large screened lanai and plantation shutters. Blocks to the beach and 3rd Street shopping and dining. Or consider a new home built by Assaad Corace Construction - plans are available.

$2,300,000

Joe Belz, Prestige Properties (239) 825-3646

Loft Style Living

950 6th AVENUE NORTH #8

Contemporary architecture, w/ environmentally conscious construction, â&#x20AC;&#x153;Smart Wired,â&#x20AC;? exposed floors & ceilings, large balcony, imported Italian cabinets, Bosch appliances, Danze and Toto fixtures. Renderings are artists depiction and may vary from actual completed improvements.

$599,900

Joe Belz, Prestige Properties (239) 825-3646

Page 24 ---------------------------------------------------------------------------------------------------------------- www.realestatehotsheets.com

For someone who knows mortgages, here’s someone to know.

When you meet Bill Boleyn, you can be confident that you are talking to someone who knows the business and the area. Rest assured, any questions you have about the home loan process will be handled with local expertise. To make sure you get the right home loan, call a loan specialist who’s mortgage savvy and understands the community.

Bill Boleyn Mortgage Loan Officer Office: 239.659.2247 Cell: 877.695.4578 4501 Tamiami Trail North, Suite 310 Naples, FL 34103 william.a.boleyn@bankofamerica.com

Credit is subject to approval. Normal credit standards apply. Certain restrictions apply. Programs, rates, terms and conditions are subject to change without notice. Bank of America, N.A. Member FDIC. ©2006 Bank of America Corporation. ~ Equal Housing Lender. AD-NH