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September 2026

REALTOR®Safety Month: Staying a Step Ahead 6

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Contents SEPTEMBER 2026

Professional Standards

RASM REALTOR® Charitable Foundation

REALTOR® Attorney Joint Committee

18 Diversity Committee 20 Government Affairs 26 Market Analysis 28 Global Business Council 30 Professional Development Committee

COVER STORY

REALTOR® Safety Month: Staying a Step Ahead Every September, the National Association of REALTORS® (NAR) highlights REALTOR® Safety Month, but the risks of working in real estate extend year-round. Across Sarasota and Manatee counties, REALTORS® routinely enter vacant properties, meet unfamiliar people, work alone and handle transactions involving significant funds and sensitive information. While these traditional risks remain, the safety landscape is evolving. In 2026, a threat may begin at an open house, or through a convincing phone call, text, video meeting or online listing. According to NAR’s 2024 REALTORS® and Member Safety Residential Report, 22% of residential members experienced a situation that made them fear for their personal safety or the security of their personal information.

Text & Email Risks in Real Estate

Call me old-fashioned, but I’d prefer a phone call. I would much rather negotiate verbally before putting the points on paper or, as is more often the case today, in a text or email.

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12 16

Young Professionals Network

Professional Development

36 39

Calendar of Events Membership News

For generations, Greece has captured the American imagination through its epic stories, history, democracy, philosophy, and cuisine. Its contributions to Western civilization are unmistakable.

Waterfront ownership is the convergence of private property ownership, state ownership, and public rights. Owners of property abutting beaches, lakes, rivers, have certain inherent rights to use and enjoy the water.

Greece: Crisis to Opportunity

Waterfront Rights 101

CEO UPDATE RASM South - 2320 Cattlemen Road Sarasota, FL 34232 RASM North - 2901 Manatee Ave W Bradenton, FL 34205 Phone: 941-952-3400 FAX: 941-952-3401 www.MyRASM.com

STAFF CONTRIBUTORS: Vice President of Operations & IT: Jesse Sunday Vice President of Advocacy & Member Programs: Maxwell Brandow Communications Director: Brandon Gay Member Services Director: Jessica Montague Professional Development Director: Denise Ricciotti Marketing and Communications Coordinator: Amanda Freed Magazine Editor: Beth Sunday

2026 ASSOCIATION OFFICERS: President: David Crawford, Catalist Realty LLC President-Elect: Anita Lambert, Sotheby’s International Realty Vice President: Julia Montei, Coldwell Banker Realty Treasurer: Derek Patti, NextHome Excellence Immediate Past President: Debi Reynolds, SaraBay Real Estate, Inc. Chief Executive Officer: Jeff Arakelian

MISSION: Empowering the success of REALTORS® and protecting private property rights.

VISION: Professionalism elevated and communities strengthened.

SUBSCRIPTIONS: The annual dues of every member of the REALTOR® Association of Sarasota and Manatee, Inc., includes a one-year digital subscription to ELEVATE Magazine. Editorial ideas and manuscripts are welcomed.

MAGAZINE DISCLAIMER: Byline articles and columns express the opinions of the writers and do not necessarily reflect the policies or sentiments of the REALTOR® Association of Sarasota and Manatee, Inc., and its affiliates (together, the Association). All submitted copy is subject to editing. Copyright © 2026 REALTOR® Association of Sarasota and Manatee, Inc. All rights reserved. Reproduction in whole or in part without written permission is prohibited. Advertisements in the publication do not constitute an offer for sale in states where prohibited or restricted by law. Additionally, the Association makes no guarantee and takes no responsibility for the accuracy of any third-party advertisements in this publication. All liability with respect to actions taken or not taken based on the contents of this publication are hereby expressly disclaimed. The Association has provided the content of this publication “as is” and without warranty of any kind, express or implied, and as such, is not responsible or liable for the accuracy, content, completeness, legality, or reliability of the information.

September is REALTOR® Safety Month By: Jeff Arakelian, RASM CEO

EALTORS® face risks on the job every day. Staying aware of your surroundings and taking a few simple precautions can help you avoid unsafe situations. To keep safety on your mind, the National Association of REALTORS® and RASM recognize September as REALTOR® Safety Month. Our goal is simple: help reduce safety incidents in our industry and make sure every member gets home safely each night. We can all play a part in creating a stronger safety culture by staying aware, following safety practices and looking out for one another. Here are five simple Safety Action Items to get started:

PLANNING YOUR SAFETY STRATEGY. NAR’s REALTOR® Safety Program helps members learn about risks they may face on the job. Knowing the risks helps you prepare and make safer choices. Every REALTOR® should have a simple safety plan and make it part of their daily routine with every client. SAFETY TIPS & BEST PRACTICES. NAR offers practical safety tips through shareable graphics and interactive tools, which can be found at this link. SAFETY TRAINING VIDEOS. Check out videos from NAR’s REALTOR® Safety Program for tips and advice to help keep you and your business safe. REALTOR® SAFETY WEBINARS. Learn about common risks, warning signs and ways to protect yourself. NAR’s on-demand webinars feature industry experts covering topics such as REALTOR® safety, client protection and cybersecurity. RESOURCES FOR PERSONAL PROTECTION. It’s important to have a personal safety plan that you use every day and with every client, whether you’re meeting someone new, showing a property or sharing information online. There are many tools that can support your plan, including smartphone apps such as Forewarn, a free member benefit, and other safety products. Throughout the month, we’ll share safety reminders and resources from NAR, including Safety Tips, information about upcoming webinars and more. Thank you for making REALTOR® safety a priority this month and throughout the year. Building good safety habits can make a real difference. Stay aware, stay alert and, above all, stay safe! •

ADVERTISING: For information on advertising and article submissions, contact Beth Sunday, Magazine Editor, at 941-952-3417 or email Beth@MyRASM.com.

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COVER STORY

REALTOR® Safety Month: Staying a Step Ahead

very September, the National Association of REALTORS® (NAR) highlights REALTOR® Safety Month, but the risks of working in real estate extend year-round. Across Sarasota and Manatee counties, REALTORS® routinely enter vacant properties, meet unfamiliar people, work alone, and handle significant funds and sensitive information. In 2026, however, a threat may begin at an open house or through a convincing phone call, text, video meeting, or online listing. NAR reports that 22% of residential members have experienced a situation that made them fear for their personal safety or the security of their personal information. From AI-powered impersonation and wire fraud to risks at showings and open houses, today’s threats require REALTORS® to think differently about protecting themselves, their clients, and their businesses.

WHEN AI BECOMES AN IMPOSTOR Artificial intelligence is making legitimate business tasks easier, but it is also giving criminals new ways to impersonate agents, clients, lenders, title professionals, and other trusted parties. Deepfakes can mimic a person’s voice, appearance, or communication style,

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making fraudulent messages and calls increasingly convincing. NAR reports that deepfake scams increased 40% year over year, citing Entrust’s 2026 Identity Fraud Report. Criminals may also gather information from social media, property records, and previous communications to make an impersonation more believable. A fraudulent message may reference the correct property, transaction stage, colleague, or closing date. PROTECT YOURSELF AND YOUR CLIENTS:

Establish a verification phrase and confirm

unusual requests using independently verified contact information. Treat unexpected or urgent changes to wiring, payment, or contact information as suspicious. Never assume a familiar voice, face, writing style, or caller ID confirms someone’s identity. Limit publicly available information about clients, schedules, vacations, and active transactions.

A verification question should involve information that cannot be found easily on social media or in public records. When significant money or sensitive information is involved, familiarity is no longer enough.

WIRE FRAUD REMAINS A GROWING THREAT Wire fraud remains one of the most financially devastating threats in real estate. The FBI’s 2025 Internet Crime Report documented more than $20 billion in reported internet crime losses, including more than $275 million tied to real estate fraud. Business email compromise, when criminals infiltrate or impersonate legitimate accounts to redirect funds or obtain sensitive information, remains a significant threat. The 2026 State of Wire Fraud report found that more than one in five consumers received suspicious communications during closing. MAKE THESE PRACTICES NON-NEGOTIABLE:

Warn clients early that wiring instructions

received by email or text must always be independently verified. Confirm financial instructions using a known, independently verified phone number, especially if payment or account information changes. Use multifactor authentication and regularly check email forwarding rules for unauthorized changes. Avoid sharing closing amounts, timelines, or other sensitive information through unsecured messaging platforms. Include wire-fraud warnings in email signatures and transaction materials.

UNEXPECTED TRANSACTION CHANGES If you or a client suspects money was sent to a fraudulent account, act immediately. Contact the bank, closing professional, and broker; the sooner the incident is reported, the greater the possibility of recovery. Treat any unexpected change to payment, payoff, or disbursement instructions as a warning sign, and verify it through established procedures using independently confirmed contact information.

SELLER IMPERSONATION AND VACANTLAND FRAUD Seller impersonation fraud remains a concern in Florida, particularly with vacant land, mortgage-free properties, and absentee or estate-owned property. Criminals may pose as owners and attempt to list or sell property using forged identification and signatures. The risk is especially relevant in Sarasota and Manatee counties, with their many vacant parcels, second homes, investment properties, and seasonal or out-ofstate owners.

POTENTIAL WARNING SIGNS INCLUDE:

The seller communicates only by text

or email and avoids video or in-person meetings. The property is vacant, mortgage-free, unusually low-priced, or being pushed for a quick cash sale. The seller resists standard identityverification procedures or provides inconsistent identification. Contact information does not match information previously associated with the property owner. The seller requests that proceeds be sent to an account in another person’s name. Agents should compare seller information with property and tax records, independently verify the recorded owner’s contact information, and promptly involve the broker and closing professional. Video calls alone are not conclusive, as deepfakes can imitate faces and voices.

AI IS MAKING DEED FRAUD HARDER TO DETECT Property fraud increasingly combines forged documents with AI-generated identification, deepfakes, voice cloning, and other impersonation techniques. Florida REALTORS® warned in July 2026 that these technologies are making deed and title fraud more difficult to detect. RASM members can help by informing property owners about free fraud-alert services available through the Sarasota and Manatee county clerks. Both notify registered users when documents matching their registered names are recorded, providing early notice of potentially fraudulent activity. Encourage clients to register variations of their names and applicable trust or business entity names. Owner’s title insurance may also provide protection against certain covered title defects or fraudulent transfers. REALTORS® should avoid interpreting coverage and instead refer clients to a qualified title professional.

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DIGITAL SAFETY BEGINS WITH YOUR OWN IDENTITY An agent’s online identity has value. Criminals may copy headshots, biographies, listings, and contact information to create fake profiles, advertise fraudulent properties, contact clients, or redirect payments. Because agents may not discover the impersonation until a consumer reports it, periodically search your name, contact information, and listing photos online, and check social media and third-party real estate profiles for unauthorized or inaccurate information. REALTORS® SHOULD ALSO SECURE THEIR ACCOUNTS BY:

Using unique passwords, a password

manager, and multifactor authentication. Keeping software and devices updated. Using secure, approved platforms for sensitive files and transaction information. Avoiding public Wi-Fi when handling confidential information. Regularly reviewing account access and securely backing up critical files. Never approve an unexpected login notification. Repeated authentication prompts may be an attempt to wear down the account holder until one request is approved.

PHYSICAL SAFETY REMAINS ESSENTIAL The rise in cybercrime does not lessen the need for traditional personal-safety precautions. REALTORS® continue to work in environments where they may be alone, distracted and unfamiliar with the people around them. Before meeting a new prospect, use your brokerage’s approved identity-verification process, conduct an introductory meeting in a public or professional setting and share the appointment details with a colleague or family member. NAR recommends creating a personal safety plan for activities including new-client meetings, showings and open houses. Whatever verification process a brokerage adopts should be applied consistently to all prospective clients and designed in consultation with the broker to comply with fair housing, privacy and record-retention requirements.

Never advertise that you will be alone, and

secure personal belongings, medications, and sensitive documents. Trust your instincts and leave immediately if a situation feels unsafe. Safety apps, wearable alert devices, and locationsharing tools can provide additional protection, but they should support, not replace, awareness, verification, and sound judgment.

CLIENT SAFETY EDUCATION Clients may assume a message is legitimate if it includes familiar transaction details, so REALTORS® should establish safety expectations early. Buyers and sellers should be encouraged to verify financial instructions through known contacts, question urgent or unusual requests, protect personal and financial information, use strong passwords and multifactor authentication, and secure valuables and sensitive documents during showings. NAR also offers consumer guides on wire fraud, home-selling safety, and deepfake scams that REALTORS® can share with clients.

NAR’S REALTOR® SAFETY PROGRAM NAR’s year-round REALTOR® Safety Program is built around three core principles: knowledge, awareness, and empowerment. While September is REALTOR® Safety Month, NAR encourages REALTORS® to make safety part of everyday business practices throughout the year. NAR offers free resources including webinars, training videos, safety tips, checklists, and materials covering physical safety, cybersecurity, showings, open houses, and other risks. Members can also access the Putting REALTOR® Safety First: Safety Strategies for the Modern REALTOR® course and the REALTOR® Safety Network, which evaluates significant physical and cyberthreats for potential nationwide safety alerts. Safety is not simply an individual responsibility or a September campaign. It is a professional standard built through consistent habits, open communication and the willingness to pause when something does not feel right. When REALTORS® make safety visible, they protect more than themselves. They protect their clients, their businesses, and the trust at the center of every transaction. •

DURING SHOWINGS AND OPEN HOUSES:

Park where you cannot be blocked in, and

identify the property’s exits before visitors arrive. Keep your phone charged and accessible, and use a check-in system or discreet distress phrase with your office or family. Let clients enter rooms ahead of you, and avoid confined spaces such as attics, basements, and utility rooms. 8 | ELEVATE [ SEPTEMBER 2026 ]

Sources 1. National Association of REALTORS® - REALTOR® Safety Program; 2024 REALTORS® and Member Safety Residential Report; REALTOR® Safety Tips and Consumer Guides; “Tackling the Safety Gap in Real Estate Showings”; “1 in 5 Targeted: How to Prepare for Rising Scam Threats” 2. Florida Realtors® - “Real Estate Fraud Is Rising. Know the Signs”; “Real Estate Fraud Losses Hit $275M”; “AI Adds New Risks to Florida Deed Fraud” 3. Federal Bureau of Investigation, Internet Crime Complaint Center - 2025 IC3 Annual Report; Business Email Compromise Guidance 4. CertifID - 2026 State of Wire Fraud Report 5. Sarasota County Clerk of the Circuit Court and County Comptroller - Property Fraud Alert Service 6. Manatee County Clerk of the Circuit Court and Comptroller - Property Alerts

SAFETY TIPS Share knowledge, awareness, and empowerment with your members year-round

Keep a strong focus on REALTOR® Safety throughout the year when you share these safety tips with your members every week. You can post them on your Web site, add them to your newsletters, or e-mail them directly to your members. Feel free to rearrange the tips if you like. Regardless of when you send them, these weekly tips will help remind our members of the tenets of REALTOR® Safety: knowledge, awareness, and empowerment. All tips are taken from the NATIONAL ASSOCIATION OF REALTORS’® REALTOR® Safety Program. Direct your members to your own Association Web site or to nar.realtor/safety for more information on the important topic of REALTOR® safety.

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BUSINESS PARTNER SPOTLIGHT

Oasis Finance Group, Cindy Jaramillo By: Cindy Jaramillo, Branch Manager, Oasis Finance Group, NMLS #1123902

indy Jaramillo is a Branch Manager and experienced mortgage professional with Oasis Finance Group, dedicated to helping families achieve homeownership and helping REALTORS® provide an exceptional experience for their clients. For Cindy, real estate and mortgage lending are ultimately about people. As a proud mother of three beautiful children, she understands firsthand the importance of creating stability, building a future, and having a place to truly call home. That perspective influences the way she approaches every client and every transaction, with patience, education, compassion, and a commitment to finding solutions. Serving Florida homebuyers and REALTORS®, Cindy specializes in helping first-time homebuyers, move-up buyers, veterans, self-employed borrowers, investors, and clients with more complex financing situations. As a bilingual mortgage professional, she

is particularly passionate about helping English- and Spanish-speaking families understand their options and navigate the mortgage process with confidence. Cindy also believes a great lender should be much more than someone who provides a preapproval. She works closely with her REALTOR® partners to provide strong upfront qualification, proactive communication, creative financing strategies, and dependable closings. She understands that every transaction represents not only a buyer’s dream, but also the REALTOR®’s relationship and reputation with that client. Education and community are also important to Cindy. She regularly provides presentations, resources, and training for real estate professionals and is actively involved in building relationships throughout the local business and real estate community. As Branch Manager of Oasis Finance Group, Cindy leads a bilingual team committed to making the mortgage experience personal, transparent, and solution-oriented. Outside of mortgages, Cindy’s favorite role will always be being a mom. She believes that family, relationships, and helping others build a better future are what make both life and her career meaningful. For more information, contact Cindy at 941-5003015, or email at oasisfinancegroup.com. •

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PROFESSIONAL STANDARDS

Obligation to Disclose Defects By: The National Association of REALTORS® Interpretations of the Code of Ethics Agreement Case 2-3. (Revised Case #9-9 May, 1988. Transferred to Article 2 November, 1994.)

eller A came to REALTOR® B’s office explaining that his company was transferring him to another city and he wished to sell his home. In executing the listing contract, Seller A specified that the house had hardwood floors throughout and that the selling price would include the shutters and draperies that had been custom made for the house. Seller A said that he would like to continue to occupy the house for 90 days while his wife looked for another home at his new location, and agreed that REALTOR® B could show the house during this time without making a special appointment for each visit. Accordingly, REALTOR® B advertised the house, showed it to a number of prospective buyers, and obtained a purchase contract from Buyer C. Settlement was completed and at the expiration of the 90-day period from the date of listing, Seller A moved out and Buyer C moved in. On the day that Buyer C moved in, seeing the house for the first time in its unfurnished condition, he quickly observed that hardwood flooring existed only on the outer rim of the floor in each room that had been visible beyond the edges of rugs when he inspected the house, and that the areas that had been previously covered by rugs in each room were of subflooring material. He complained that REALTOR® B, the listing broker, had misrepresented the house in his advertisements and in the description included in his listing form which had specified “hardwood floors throughout.” Buyer C complained to REALTOR® B, who immediately contacted Seller A. REALTOR® B pointed out that the house had been fully furnished when it was listed and Seller A had said that the house had hardwood floors throughout. Seller A acknowledged that he had so described the floors, but said the error was inadvertent since he had lived in the house for ten years since it had been custom built for him. He explained that in discussing the plans and specifications with the contractor who had built the house, the contractor had pointed out various methods of reducing construction costs, including limiting the use of hardwood flooring to the outer rim of each room’s floor. Since Seller A had planned to use rugs in each room, he had agreed, and after ten years of living in the house with the subflooring covered by rugs, he had “simply forgotten about it.” REALTOR® B explained, however, that Seller A’s description, which he had accepted, had resulted in misrepresentation to the buyer. “But it’s a small point,”

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said Seller A. “He’ll probably use rugs too, so it really doesn’t make any difference.” After further pressure from REALTOR® B for some kind of adjustment for Buyer C, Seller A concluded, “It was an honest mistake. It’s not important. I’m not going to do anything about it. If Buyer C thinks this is a serious matter, let him sue me.” REALTOR® B explained Seller A’s attitude to Buyer C, saying that he regretted it very much, but under the circumstances could do nothing more about it. It was at this point that Buyer C filed a complaint with REALTOR® B’s Association. At the hearing before a Hearing Panel of the Professional Standards Committee of REALTOR® B’s Association, during which all of these facts were brought out, the panel found that REALTOR® B had acted in good faith in accepting Seller A’s description of the property. While Article 2 prohibits concealment of pertinent facts, exaggeration, and misrepresentation, REALTOR® B had faithfully represented to Buyer C information given to him by Seller A. There were no obvious reasons to suspect that hardwood floors were not present throughout as Seller A had advised. REALTOR® B was found not in violation of Article 2. •

BUSINESS PARTNER SPOTLIGHT

The Closet Guys, Erica Schuler By: Erica Schuler, The Closet Guys, HR & Marketing Manager

t The Closet Guys, we believe storage should do more than organize a space; it should enhance the way you live. For decades, we’ve helped Southwest Florida homeowners create beautiful, functional storage solutions designed around their lifestyles and the way they use their homes. Erica Schuler, Marketing & HR Manager for The Closet Guys, lives and works in Manatee County and enjoys helping local homeowners create spaces that are both beautiful and functional. As a busy mom with children in every stage of life, from elementary school and high school to college, Erica understands firsthand how quickly everyday life can create the need for better organization. She also knows that being organized doesn’t mean sacrificing style. The right storage solutions can make everyday life easier while still creating a space you love coming home to.

From walk-in and reach-in closets to pantries, linen and laundry spaces, garages, and custom built-ins, The Closet Guys designs each space with the homeowner’s needs in mind. The goal is simple: create organization that works for real life while helping homeowners love their homes even more. For REALTORS®, well-designed storage can also make a lasting impression. A thoughtfully organized closet, pantry, laundry space, or garage can help buyers see the potential of a home while adding to the overall appeal and functionality of the space. Erica enjoys connecting with local real estate professionals and sharing how The Closet Guys can help their clients create spaces that are as functional as they are beautiful. LET’S DESIGN A SPACE YOU’LL LOVE COMING HOME TO

The Closet Guys Your Trusted Partner for Custom Storage (941) 708-3175 www.TheClosetGuys.net info@theclosetguys.net •

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RASM NEWS

RASM Staff Updates

ASM is pleased to acknowledge the anniversaries of our professional staff. Kimberly Coffland, Fundraising Programs Coordinator, celebrates her two-year anniversary with RASM this month. As she reflects on the past two years, Kimberly shares what has made her time with RASM and the RASM REALTORS® Charitable Foundation so rewarding: Serving as part of the RRCF for the past two years has been an incredibly rewarding journey. Getting to know our team and so many more of our members has been a true highlight. It's been a pleasure to work with our dedicated Board of Directors and our hardworking fundraising committee, whose creative efforts made our recent events highly successful fundraisers. A big shout-out goes to our Scholarship and Grant committee members. They did a fabulous job selecting highly qualified students and community organizations this year, building beautifully on last year's progress. Seeing our progress reminds me exactly why I am proud to be here helping others. On a personal note, I recently returned from a wonderful three-week trip to Europe, and am glad to be back in action! Looking ahead, I cannot wait to celebrate our 2026 community grant winners and showcase how your generosity helps our community.

Thank you for continuing to invest where we live, work, and play!

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Jeff Arakelian, RASM CEO, celebrates 10 years with the association this month. Marking this milestone, Jeff looks back on RASM’s growth and accomplishments while sharing his perspective on what continues to drive the association forward: Entering my 10th year as RASM CEO and my 43rd year working in the REALTOR® organization, there is a lot to reflect on. A great deal has been achieved in partnership with our volunteer leadership, and we will continue to do so in the years ahead. RASM is recognized as a “mega” association by NAR with approximately 8,000 members. RASM has grown to be the 35th largest local association in the U.S. out of over 1,000 local associations and the 5th largest in Florida. Jeff maintains that, “Our success is predicated on providing value to our members and delivering a highquality experience when engaging with RASM.” •

Introducing our new Revenue Share Program for all Sarasota and Manatee Association members. Refer a leasing/management client and earn: •

$750 for vacant residential properties renting at $2100+ per month

•

$450 for vacant residential properties renting at $1000+ per month

•

$250 for vacant residential properties renting for less than $1000 per month

•

$250 for any property with existing tenants in place Serving Sarasota, Manatee, and Charlotte counties since 2012.

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REALTOR® ATTORNEY JOINT COMMITTEE

It’s in the Text: The Legal Risks of Communicating by Text and Email in Real Estate By: Alexis Claire, JD, REALTOR®, Alexis Claire Group, Fathom Realty, LLC

all me old-fashioned, but I’d prefer a phone call. I would much rather negotiate verbally before putting the points on paper or, as is more often the case today, in a text or email. The lawyer in me is hesitant to put everything I have to say in writing before having those initial conversations. I do, however, like sending an email afterward to confirm what was discussed. There is value in having a written record. There is also risk. The problem is that people can become too casual with electronic communication. Some seem to think that because something is in a text rather than an email, it somehow doesn’t matter. It does. Florida law recognizes electronic records and signatures. An electronic communication does not become legally insignificant simply because it is electronic. Electronic records and signatures cannot be denied legal effect solely because of their electronic form. I keep my old texts and emails because they preserve a history of what has been communicated. When I’m negotiating or working with clients, I assume the other parties are doing the same thing. If an issue arises later, there may be a written record of what was said, represented, or understood.

WORDS MATTER I know of situations where one party said something, the other party interpreted it differently, and the written communications later helped clarify what had been said. Without that record, things can get much dicier. Generally, outside communications cannot be used to contradict the clear terms of a written agreement and, if you read your Florida REALTORS® forms, you’ll likely find language addressing that. The listing agreement, for example, states that it is the entire agreement between the seller and broker and that prior or present agreements or representations are not binding unless included in the agreement. A recent Florida case reinforces the point. In Carmona Realty Group, LLC v. Fernandez, the Third 16 | ELEVATE [ SEPTEMBER 2026 ]

District Court of Appeal considered separate written instructions a seller argued were part of the parties’ agreement. The court concluded the instructions had not been incorporated into the listing agreement and emphasized the agreement’s language stating that it constituted the entire agreement between the seller and broker. If the parties intend to change the terms of a contract, there is an appropriate instrument to document that change. A casual text thread cannot substitute for or circumvent the required contract, addendum, amendment, or notice. I sometimes mentor newer REALTORS®, and one thing we talk about is the importance of the written word. Some things I prefer to discuss before putting them in writing. Other things absolutely need to be documented. It is a balance. It is also important to stop and actually read what you have written before you send it. I tell my son about an old Italian saying, or perhaps superstition, that if you are about to say something you might regret, hold water in your mouth for ten seconds first. You obviously cannot do that with a text or email, but the principle still applies. Sometimes the smartest thing you can do is wait ten seconds before you hit send. You may be glad you did. • Sources: Florida Statutes § 668.50, Uniform Electronic Transaction Act; Carmona Realty Group, LLC v. Fernandez, No. 3D24-2164 (Fla. 3d DCA Jan. 14, 2026).

RASM REALTOR® CHARITABLE FOUNDATION (RRCF)

Where Business Meets the Fairway: 25 Years of Golf & Giving By: KimberLee Brooks, Brooks Insurance Group, Inc., Chair RASM Fundraising Committee

or 25 years, the CREA Annual Golf Tournament has brought together members of our real estate and business community for a day of golf, networking, friendly competition - and, most importantly, giving back. On October 26, the Commercial Real Estate Alliance (CREA) will continue this tradition at Sara Bay Country Club, and we want you to be part of it!

PLAY FOR A PURPOSE

HELP US CREATE AN AMAZING SILENT AUCTION

Whether you're a serious golfer or simply enjoy a great day on the course with friends and colleagues, grab your clubs and join us. Golfers can register individually for $300 or put together a foursome for $1,100. Registration includes 18 holes of golf, a boxed lunch, reception, awards presentation, and plenty of opportunities to connect with real estate professionals and business leaders from throughout our region. It's a great opportunity to strengthen relationships, make new connections, enjoy some friendly competition, and support two organizations doing important work in our community. Ready to play? Register for the 25th Annual CREA Golf Tournament

Not a golfer? You can still make a big impact. We are actively seeking silent auction donations, and this is an area where everyone can help. Restaurant gift certificates, hotel stays, golf packages, spa experiences, sporting or entertainment tickets, vacation experiences, merchandise, specialty items, and themed baskets all make fantastic auction donations. And don't underestimate the power of your connections. If you know a local business that might be willing to donate an item or experience, please ask! Every donation helps us raise more for our beneficiaries.

PUT YOUR BUSINESS ON THE COURSE We're also looking for sponsors to help make this year's tournament a success. Our real estate community works alongside an incredible network of lenders, title companies, attorneys, insurance professionals, contractors, developers, builders, home service providers, and local businesses. Sponsoring the tournament gives your company an opportunity to connect with this influential group while demonstrating your commitment to our community. Several sponsorship levels are available, offering a variety of ways to showcase your business before and during the tournament. View the 2026 CREA Golf Tournament Sponsorship Opportunities.

GOLF THAT GIVES BACK Proceeds from this year's tournament will benefit SPARCC (Safe Place and Rape Crisis Center) and the RASM REALTORS® Charitable Foundation, helping us make a meaningful difference throughout Sarasota and Manatee counties. As Chair of the RASM REALTORS® Charitable Foundation Fundraising Committee, I'm continually reminded that the success of our fundraising efforts comes down to participation. When our REALTORS®, Business Partners, sponsors, and friends come together, small contributions become significant community impact. So, help us make our 25th Annual CREA Golf Tournament one of our best yet.

PLAY. SPONSOR. DONATE. Better yet - do all three! Join us on October 26 at Sara Bay Country Club, and help us celebrate 25 years of golf, connections, and giving back. We'll see you on the fairway! •

myRASM.com | 17

RASM DIVERSITY COMMITTEE

Hispanic Heritage, Future Growth: Why Hispanic / Latino Communities Matter to Real Estate in Sarasota and Manatee Counties Right Now By: Catherine Ferrer, RASM Diversity Committee Member

ispanic influence in Florida dates back more than 500 years in places like St. Augustine and our own DeSoto National Memorial in Manatee County. Long before Sarasota and Manatee Counties became the communities, they are today, Spanish-speaking traders and Cuban fishermen were active along Florida's Gulf Coast. Throughout Florida’s history, Spanishspeaking immigrants and their descendants have contributed to the success of the communities where they put down roots. As REALTORS®, we know that homeownership is a critical step in connecting people to their communities so they can prosper. Our area of Florida has seen 30% or more growth in the number of Hispanic / Latino residents since 2020, and they now make up the largest minority group in both Sarasota and Manatee Counties. Think this growth has nothing to do with selling homes? Think again! Data from the Shimberg Center for Housing Studies at the University of Florida shows that combined, Sarasota and Manatee counties contain 12,200 Hispanic owner-occupied households. Within this two-county region, 3,995 of these households earn over 100% of the Household Area Median Family Income (HAMFI). The Hispanic population is also considerably younger than the overall population, with a median age of 35 in Sarasota County and 30 in Manatee County, placing many residents at a prime age for first-time homeownership.

TIPS FOR “CONEXIONES” Some tips for REALTORS® who want to connect with this market are: multi-generational decision making, language does not have to be a barrier and think of this more like a community investment than a quick transaction.

MULTIPLE GENERACIONES IN THE MIX Expect multi-generational decision-making. When preparing consultations, ensure your communication treats parents, adult children, and co-signers with equal professional weight. Tailor property showings to highlight multi-generational utility. 18 | ELEVATE [ SEPTEMBER 2026 ]

Etta Carter, Chair of the RASM Diversity Committee recalls: "Throughout my years as a REALTOR® and Notary Signing Agent, I've had the privilege of working with Hispanic families during real estate transactions. One closing that especially stood out involved two brothers and their wives purchasing a home together. It was a wonderful reminder that for many families, a home is more than a place to live; it's a place where generations support one another, share responsibilities, and build a future together."

LANGUAGE IS NOT A BARRIER Making new connections here works even if you’re not bilingual. Form alliances with bilingual business partners and build a localized, bilingual transaction ecosystem. A buyer who struggles to translate complex mortgage jargon back to their family will quickly lose trust. If attempting to reach out en español, make sure that you are not relying solely on tech (like AI) to translate materials. Have everything checked by someone who is fluent in Spanish.

INVEST IN NETWORKING Avoid transactional "one-and-done" networking. Instead, invest your time and sponsorship dollars into the civic, media, arts, educational, and economic organizations that support the local community. Some great local resources that serve Sarasota and Manatee Counties are:

UnidosNow: Founded in 2010, UnidosNow

elevates the quality of life of the growing Hispanic/ Latino community in the Manatee and Sarasota region through education, integration and civic engagement. (www.unidosnow.org) CreArte Latino: Founded in 2012, CreArte Latino’s mission is to foster bilingual cultural exchange between Latinos/Hispanics and the broader community. (creartelatino.org) The Gulf Coast Latin Chamber of Commerce: This business and professional membership organization creates opportunities that elevate economic growth, cultural pride, and collaborative leadership among Latino professionals, entrepreneurs, and community leaders. (TheLatinChamber.org) Revista La Guia: This monthly glossy magazine in Spanish is distributed in print and digitally to thousands of people at their favorite restaurants, stores, service businesses, and civic landmarks (revistalaguia.com) Of course, these are a starting point, and there are many more ways to connect with this growing community here in Sarasota and Manatee Counties. Beyond a “market segment” or statistics on a page, Hispanic and Latino families strengthen Sarasota and Manatee Counties in innumerable ways - business ownership, education, healthcare, construction, agriculture, cultural vibrancy, the arts, public service, entrepreneurship, and civic leadership.

DID YOU KNOW The Spanish were the first European presence on the Atlantic coast, predating Plymouth landing of 1620 by arriving in 1565. More than 50 years before the famous 1621 Plymouth feast, the Spanish settlers and the local Timucua tribe held a communal mass and Thanksgiving meal together in St. Augustine on September 8, 1565. Hispanic culture, architecture, and language are not recent additions to the Sunshine State; they are the founding bedrock of Florida's history.

LEARN. CONNECT. SERVE. Understanding the communities we serve begins with a willingness to learn more about the people, cultures, and experiences that shape them. This Hispanic Heritage Month, take the opportunity to go beyond the statistics. Learn about the Hispanic and Latino communities throughout Sarasota and Manatee counties. Connect with local organizations, businesses, and community leaders, and consider how greater cultural understanding can strengthen the relationships you build with the individuals and families you serve. Whether you're new to the profession or have decades of experience, the Diversity Challenge offers an opportunity to grow personally and professionally while better serving today's homebuyers and sellers. We invite you to accept the challenge and continue building a stronger, more informed REALTOR® community.

READY TO TAKE THE DIVERSITY CHALLENGE?

Scan the QR code or visit the RASM Diversity webpage to learn more about the Challenge, qualifying courses, and how to participate. RASM Diversity Challenge & Resources

DIVERSITY RESOURCE HUB Looking for additional community resources, organizations, and educational information? Visit the RASM Diversity webpage to explore the Diversity Resource Hub, where you'll find organizations, housing resources, and community information designed to help REALTORS® better serve the communities in which they live and work.

RESOURCES: UNIDOSNOW

Education, integration, civic engagement, and opportunities supporting the local Hispanic/Latino community (unidosnow.org). CREARTE LATINO CULTURAL CENTER

Bilingual arts, cultural programs, and opportunities for cultural exchange (creartelatino.org). GULF COAST LATIN CHAMBER OF COMMERCE

Business, professional development, economic growth, and connections with Latino professionals, entrepreneurs, and community leaders (thelatinchamber.org). REVISTA LA GUIA

Spanish-language local media connecting readers with businesses, services, events, and community information (revistalaguia.com). EXPLORE. CONNECT. SHARE.

These resources are a starting point. We encourage RASM members to continue discovering organizations and resources that can help strengthen their knowledge of, and connections with, the communities they serve. • myRASM.com | 19

GOVERNMENT AFFAIRS

Election Season: It’s Not All About the Candidates By: Max Brandow, RASM Vice President of Advocacy and Member Programs

hen election season arrives, most of the attention naturally goes to the candidates. Who is running? What do they believe? Who won the primary? But this November, some of the most consequential decisions Florida voters will make won't involve a candidate's name at all. Voters will be asked to weigh in on ballot initiatives that could have long-term implications for property owners, local governments, and conservation efforts. For REALTORS®, understanding these questions is especially important. Many of you serve as do-it-all experts for your clients, so understanding answers your clients might have on these propertyrelated ballot questions is essential! Here are two issues to have on your radar heading into the November election.

FLORIDA PROPERTY TAX REFORM

SARASOTA COUNTY CONSERVATION LANDS

Florida voters will consider a proposed constitutional amendment making changes to the state's property tax system. The proposal would phase in an increase in the homestead exemption for property taxes levied by counties and municipalities, while leaving school district taxes unaffected. Under the proposal, the current $50,000 exemption would increase to $150,000 in 2027 and $250,000 in 2028 for qualifying homesteaded properties. The amendment would also reduce the maximum annual increase in assessed value for certain non-homestead properties from 10 percent to 5 percent, excluding school district taxes. This plan also calls for a 5-year waiting period for individuals who have not established Florida residency before December 31st, 2026. For homeowners with homesteaded properties, those changes could mean property-tax savings. Local governments, however, claim increases in property tax exemptions raise questions about how services and infrastructure are funded in the future. Because Florida's Constitution is being amended, the proposal will require approval from at least 60 percent of voters statewide. For REALTORS®, this is an issue worth understanding beyond the ballot-box debate. Property taxes affect affordability, the cost of homeownership, investment property and the communities in which we do business. At the time of this writing, Florida REALTORS® has not taken a position on this ballot question.

Sarasota County voters will have two important decisions to make this November regarding the future of the county's longstanding program for acquiring and protecting environmentally sensitive lands and parkland. The Environmentally Sensitive Lands Protection Program (ESLPP) dates back to 1999, when Sarasota County voters approved a dedicated property tax to acquire, preserve and manage environmentally sensitive lands. Voters overwhelmingly supported extending and expanding the program in 2005, and the current authorization is scheduled to expire in 2029. Over more than 25 years, the program and related conservation efforts have helped protect tens of thousands of acres throughout Sarasota County through both direct land purchases and conservation easements. These properties help preserve wildlife habitat and water resources, while many also provide public access, recreational opportunities and additional parkland. This November, voters aren't being asked to create a new conservation program. Instead, they will decide whether, and how, the existing program should continue.

20 | ELEVATE [ SEPTEMBER 2026 ]

QUESTION ONE: CONTINUE THE CONSERVATION LANDS TAX

The first ballot question asks voters whether Sarasota County should continue the existing property tax of up to 0.25 mills for an additional 20 years, through 2049. A mill is equal to $1 in tax for every $1,000 of taxable property value. At the maximum 0.25-mill rate, that equates to $25 annually for every $100,000 of taxable value, or $100 on a property with $400,000 in taxable value. Revenue generated by the levy is dedicated to acquiring, protecting and managing environmentally sensitive lands and parkland. A YES vote would authorize the county to continue collecting the tax for another 20 years. A NO vote would allow the existing authorization to expire in 2029.

The RASM Public Policy Committee and Board of Directors have voted to support and endorse this conservation ballot question in Sarasota County.

QUESTION TWO: AUTHORIZE UP TO $250 MILLION IN BONDS

Voters will see a second, separate question concerning how the conservation program can finance future land purchases. This measure would authorize Sarasota County to issue up to $250 million in bonds, with the debt repaid using revenue generated by the conservation lands tax. The purpose of borrowing money to purchase conservation land is because land acquisition opportunities don't necessarily occur on a predictable schedule. Bonding can give the county access to capital when a significant property becomes available rather than requiring the county to wait until enough annual tax revenue has accumulated. A YES vote would give the county authority to issue up to $250 million in bonds backed by the program's dedicated tax revenue.

BEYOND THE CANDIDATES: KNOW WHAT’S ON YOUR BALLOT Ballot initiatives can change the Florida Constitution, affect how property is taxed and determine how local tax dollars are used for decades. As REALTORS®, we work every day at the intersection of property ownership, housing and community development. Being an informed voter means understanding not only who we are electing, but also what we are voting on. Before casting your ballot this November, take the time to read the questions, understand what a "yes" or "no" vote would do, and make an informed decision. Because remember, election season isn't all about the candidates. •

A NO vote would withhold that bonding authority. Importantly, these are two separate ballot questions. Voters will independently decide whether to continue the tax and whether to authorize bonding. For REALTORS®, these questions involve property taxes, land acquisition, private property rights, conservation easements, parks and recreation, growth management and the long-term use of land throughout Sarasota County. Conservation easements are particularly relevant to real estate. Rather than purchasing every property outright, the county can sometimes protect land through an easement that restricts future development while allowing the property to remain privately owned and, in some cases, continue uses such as ranching.

myRASM.com | 21

MARKET ANALYSIS

July 2026 Real Estate Market Report: Trends in Sarasota and Manatee Counties By: Brandon Gay, RASM Communications Director

he REALTOR® Association of Sarasota and Manatee (RASM) has released its July 2026 real estate market report, showing continued buyer activity, tightening inventory and shifting conditions across the single-family and townhouse/condo markets in Sarasota and Manatee counties. Closed sales increased across all four major market segments, while new pending sales remained positive in most segments. The broad-based increase in closings shows that buyer demand remains active throughout the region, even as the pace of activity varies by property type and price point. At the same time, active inventory declined across every county and property type. Single-family supply tightened the most, while the townhouse and condo markets moved closer to balanced conditions after offering buyers more selection over the past year. The combination of stronger sales and fewer available properties is creating a more competitive environment for well-positioned listings. Seller leverage also showed signs of improving, with homes generally closing closer to their original asking prices than a year ago. However, buyers are not necessarily rushing into every property. Single-family homes moved to contract faster in both counties, while Sarasota County condos took longer to reach contract despite a sharp increase in sales. Higher-priced transactions also continued to influence average sale prices, particularly in Sarasota County. “The data suggests sellers and buyers are more in alignment with how they are viewing today's market value,” said David Crawford, 2026 RASM President and Broker/Owner of Catalist Realty. “Buyers are continuing to get off the fence and get back in the game while sellers are being more realistic about the value of their properties and are being rewarded with higher closing ratios and a quicker sales cycle.”

22 | ELEVATE [ SEPTEMBER 2026 ]

KEY TRENDS IN SARASOTA/MANATEE JULY 2026: Sales Activity Remained Strong: Buyer activity continued across the region, with closed sales increasing in every major property segment. Pending activity also remained positive across most of the market, suggesting continued demand heading into the late summer months. Inventory Continued to Tighten: Available inventory declined across both counties and property types, continuing the shift seen over the past several months. Single-family supply has tightened the most, while condo and townhome markets have moved closer to balanced conditions. Market Conditions Are Becoming More Competitive, but Buyers Remain Selective: Sellers are receiving a larger share of their original asking prices, and single-family homes are moving to contract faster than a year ago. Condo conditions remain more nuanced, particularly in Sarasota County, where sales have risen sharply even as buyers continue to take more time before committing. SINGLE-FAMILY

In Sarasota County, 744 single-family homes sold in July, an increase of 2.9 percent compared to July 2025. The median sale price increased 5.0 percent to $493,500, while the average sale price rose 11.6 percent to $764,307. Cash purchases represented 33.6 percent of closed sales. Sellers received a median of 94.2 percent of their original list price, compared to 91.0 percent one year earlier. Buyer activity remained positive, with new pending sales increasing 6.6 percent to 724. New listings also increased 9.6 percent to 789, while pending inventory rose 9.6 percent to 913 properties. Active listings fell 23.4 percent to 2,736 homes, reducing months supply to 3.9 months in July 2026. Homes spent a median of 52 days on the market before going under contract and 93 days from listing to closing. Higher-priced single-family activity was particularly strong in Sarasota County. Sales of homes priced at

$1 million or more increased 39.1 percent to 121 transactions. Sales between $1.25 million and $1.49 million rose 47.1 percent, while sales between $2 million and $2.99 million increased 50.0 percent and sales between $3 million and $4.99 million increased 62.5 percent. In Manatee County, single-family closed sales increased 11.2 percent to 694 transactions. The median sale price rose 1.0 percent to $495,000, while the average sale price increased 7.1 percent to $675,943. Cash purchases represented 27.7 percent of closed sales. Sellers received a median of 95.2 percent of their original list price, compared to 93.7 percent in July 2025. New pending sales declined slightly, down 2.0 percent to 653, while new listings increased 9.6 percent to 821. Pending inventory increased 7.3 percent year-over-year to 957 properties. Active inventory fell 7.9 percent to 2,724 homes, while months supply fell to 4.1 months. Properties spent a median of 50 days on the market before going under contract and approximately 100 days from listing to closing. Higher-priced single-family activity remained strong in Manatee County. Sales of homes priced at $1 million or more increased 14.9 percent to 77 transactions. Sales between $1.5 million and $1.99 million doubled to 18, while sales between $2 million and $2.99 million increased 37.5 percent to 11 transactions.

median sale price declined slightly, down 1.9 percent to $313,950, while the average sale price increased 3.7 percent to $342,030. Cash purchases represented 49.2 percent of closed sales. Sellers received a median of 93.2 percent of their original list price, compared to 91.0 percent in July 2025. New pending sales increased 32.6 percent to 236, while new listings rose 17.6 percent to 294. Active inventory fell 15.8 percent to 1,277 units, lowering months' supply to 5.4 months in July 2026. Properties spent a median of 70 days on the market before going under contract and approximately 109 days from listing to closing.

TOWNHOMES AND CONDOS

SUMMARY

The Sarasota County condo and townhome market recorded 318 closed sales in July, an increase of 33.1 percent year-over-year. The median sale price increased 13.3 percent to $340,000, while the average sale price rose 62.7 percent to $610,513. Cash buyers accounted for 59.7 percent of sales. Sellers received a median of 90.8 percent of their original list price, up from 88.3 percent in July 2025. New pending sales increased 27.7 percent to 281, while new listings declined 5.3 percent to 284. Active inventory decreased 10.9 percent to 1,782 units, lowering months' supply to 5.6 months in July 2026. Properties spent a median of 92 days on the market before going under contract and approximately 138 days from listing to closing. Higher-priced condo and townhome activity increased considerably in Sarasota County. The county recorded 41 sales of $1 million or more in July, up from 12 one year earlier. Sales between $1.25 million and $1.49 million increased to 10 from one, and sales between $1.5 million and $1.99 million also increased to 10 from one. In Manatee County, condo and townhome sales increased 18.4 percent to 238 transactions. The

The July 2026 housing market continued the shift toward tighter conditions, with stronger sales absorbing available inventory and giving sellers somewhat more leverage. However, the change is not uniform across every segment. Single-family markets are moving faster and carrying less supply, while condo and townhome conditions remain more nuanced, particularly in Sarasota County, where stronger sales coexist with longer decision times for buyers. The result is a market that is more competitive than a year ago but still rewards realistic pricing and careful evaluation. Buyers and sellers should review conditions at the neighborhood, property-type, and price-point levels and work with a REALTOR® who can interpret hyper-local data, evaluate current competition, and develop a strategy based on the conditions affecting a specific property. Monthly reports are provided by Florida REALTORS® with data compiled from Stellar MLS. For comprehensive statistics dating back to 2015, visit www.MyRASM.com/statistics. •

myRASM.com | 23

Monthly Market Summary - July 2026 Single-Family Homes Sarasota County July 2026

July 2025

Percent Change Year-over-Year

Closed Sales

744

723

2.9%

Paid in Cash

250

273

-8.4%

Median Sale Price

$493,500

$470,000

5.0%

Average Sale Price

$764,307

$684,858

11.6%

$568.6 Million

$495.2 Million

14.8%

Med. Pct. of Orig. List Price Received

94.2%

91.0%

3.5%

Median Time to Contract

52 Days

63 Days

-17.5%

Median Time to Sale

93 Days

105 Days

-11.4%

New Pending Sales

724

679

6.6%

New Listings

789

720

9.6%

Pending Inventory

913

833

9.6%

Inventory (Active Listings)

2,736

3,574

-23.4%

Months Supply of Inventory

3.9

5.6

-30.4%

Dollar Volume

1,000

2022

2023

2024

2025

2026

Closed Sales

800 600 400 200 0

J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J

Median Sale Price

$600K $500K $400K $300K $200K $100K

Inventory

$0K

5,000 4,500 4,000 3,500 3,000 2,500 2,000 1,500 1,000 500 0

J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J

2022

2023

2024

2025

Produced by Florida REALTORS® with data provided by Florida's multiple listing services. Statistics for each month compiled from MLS feeds on the 10th day of the following month. Data released on Monday, August 17, 2026. Next data release is Wednesday, September 16, 2026.

24 | ELEVATE [ SEPTEMBER 2026 ]

2026

Monthly Market Summary - July 2026 Single-Family Homes Manatee County July 2026

July 2025

Percent Change Year-over-Year

Closed Sales

694

624

11.2%

Paid in Cash

192

184

4.3%

Median Sale Price

$495,000

$489,900

1.0%

Average Sale Price

$675,943

$631,195

7.1%

$469.1 Million

$393.9 Million

19.1%

Med. Pct. of Orig. List Price Received

95.2%

93.7%

1.6%

Median Time to Contract

50 Days

58 Days

-13.8%

Median Time to Sale

100 Days

102 Days

-2.0%

New Pending Sales

653

666

-2.0%

New Listings

821

749

9.6%

Pending Inventory

957

892

7.3%

Inventory (Active Listings)

2,724

2,959

-7.9%

Months Supply of Inventory

4.1

4.8

-14.6%

Dollar Volume

1,000

2022

2023

2024

2025

2026

Closed Sales

800 600 400 200 0

J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J

Median Sale Price

$600K $500K $400K $300K $200K $100K $0K

J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J

3,500

Inventory

3,000 2,500 2,000 1,500 1,000 500 0

J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J

2022

2023

2024

2025

2026

myRASM.com | 25

Monthly Market Summary - July 2026 Townhouses and Condos Sarasota County July 2026

July 2025

Percent Change Year-over-Year

Closed Sales

318

239

33.1%

Paid in Cash

190

145

31.0%

Median Sale Price

$340,000

$300,000

13.3%

Average Sale Price

$610,513

$375,203

62.7%

$194.1 Million

$89.7 Million

116.5%

Med. Pct. of Orig. List Price Received

90.8%

88.3%

2.8%

Median Time to Contract

92 Days

72 Days

27.8%

Median Time to Sale

138 Days

113 Days

22.1%

New Pending Sales

281

220

27.7%

New Listings

284

300

-5.3%

Pending Inventory

584

458

27.5%

Inventory (Active Listings)

1,782

2,000

-10.9%

Months Supply of Inventory

5.6

7.5

-25.3%

Dollar Volume

600

2022

2023

2024

2025

2026

Closed Sales

500 400 300 200 100 0

J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J

Median Sale Price

$600K $500K $400K $300K $200K $100K $0K

J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J

Inventory

3,000 2,500 2,000 1,500 1,000 500 0

J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J

2022

2023

2024

2025

26 | ELEVATE [ SEPTEMBER 2026 ]

2026

Monthly Market Summary - July 2026 Townhouses and Condos Manatee County July 2026

July 2025

Percent Change Year-over-Year

Closed Sales

238

201

18.4%

Paid in Cash

117

24.5%

Median Sale Price

$313,950

$320,000

-1.9%

Average Sale Price

$342,030

$329,947

3.7%

$81.4 Million

$66.3 Million

22.7%

Med. Pct. of Orig. List Price Received

93.2%

91.0%

2.4%

Median Time to Contract

70 Days

0.0%

Median Time to Sale

109 Days

111 Days

-1.8%

New Pending Sales

236

178

32.6%

New Listings

294

250

17.6%

Pending Inventory

311

253

22.9%

Inventory (Active Listings)

1,277

1,517

-15.8%

Months Supply of Inventory

5.4

7.0

-22.9%

Closed Sales

Dollar Volume

400 350 300 250 200 150 100 50 0

2022

2023

2024

2025

2026

J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J

Median Sale Price

$500K $400K $300K $200K

$100K

Inventory

$0K

2,000 1,800 1,600 1,400 1,200 1,000 800 600 400 200 0

J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J

2022

2023

2024

2025

2026

myRASM.com | 27

GLOBAL BUSINESS COUNCIL

Greece: From Financial Crisis To A New World Of Opportunity By: Dean Savakis, REALTOR®, KW Suncoast, KW Commercial

or generations, Greece has captured the American imagination through its epic stories, history, democracy, philosophy, and cuisine. Its contributions to Western civilization are unmistakable. You need look no further than the architecture of our nation’s capital to recognize its influence. Mention Greece today, and images of pristine beaches and vibrantly blue water often come to mind. I could spend this entire page describing beautiful mountainsides, romantic scenery, and unforgettable island vacations, but we have work to do. Let’s explore the possibilities of living and owning real estate in Greece.

A COUNTRY MOVING FORWARD Greece has traveled a long way since the financial crisis. In 2023, the country regained its investmentgrade credit rating. According to the European Commission’s Spring 2026 Economic Forecast, Greece’s economy grew by 2.1% in 2025, its third consecutive year at that pace, and is expected to continue growing above the European Union average in 2026. Unemployment reached its lowest level since 2008, while public debt as a percentage of GDP continues to decline.¹ It is not all roses and sandy beaches. Greece still faces challenges, including bureaucracy and regional differences in infrastructure. Nevertheless, investment in digital government, transportation, energy, tourism, and real estate has made the country more accessible and internationally connected than it was a decade ago.

MORE THAN A VACATION HOME Can you imagine having your own little patch in the “land of the gods’?” Perhaps it becomes a seasonal residence, family retreat, retirement home, or base for working remotely. Greece offers city apartments, coastal condominiums, villas, traditional village homes, island properties, and agricultural land.

BEYOND THE PROPERTY: THE GREEK LIFESTYLE The attraction extends beyond the property itself. Greece offers a Mediterranean climate, celebrated cuisine, strong family culture, extensive coastline, and convenient access to the rest of Europe. Depending on their circumstances, non-European Union citizens may qualify for residency through programs for investors, financially independent individuals, digital nomads, or students. Citizenship by descent may also be available to those who qualify. Property ownership, residency, and citizenship, however, are separate legal matters requiring qualified guidance.

[ Continued on page 29 ] 28 | ELEVATE [ SEPTEMBER 2026 ]

POSSIBILITIES FOR EVERY STAGE OF LIFE Families may appreciate Greece’s communitycentered lifestyle and the availability of international schools in larger metropolitan areas. Retirees may find that their housing and lifestyle dollars stretch further than in many American coastal markets, although healthcare access and year-round services vary by location.

EDUCATION WITHOUT BORDERS Students also have expanding opportunities. Greek universities now offer more English-language undergraduate and graduate programs, frequently with tuition below that of private American universities. I know this path personally. In 1990, after graduating from high school in Chicago, I packed my Z. Cavariccis and boarded a plane with a one-way ticket to Greece. I attended the Athens University of Economics and Business, receiving a high-quality education at a fraction of typical U.S. tuition while gaining invaluable experiences throughout Europe.

IS GREECE A GOOD CHOICE? Purchasing property in another country requires more than finding a beautiful listing online. Having owned and managed commercial, agricultural, and residential property in Greece, I can confidently say that buyers must anticipate significant differences in how real estate transactions are conducted. A knowledgeable and trustworthy local team is essential. Buyers must carefully evaluate title, zoning, permitted use, building legality, taxes, renovation requirements, inheritance issues, and the availability of utilities and services. Independent legal, engineering, tax, and notarial guidance should be an essential part of the process, not an afterthought. So, is Greece a good choice? For the right buyer, absolutely, but location and professional guidance are critical. Retiring on a remote Greek island can be magical in July but less carefree in January, particularly for someone requiring specialized medical care. Ferry schedules and other services may also be limited during the off-season. The beauty of Greece is that there is no one-size-fits-all destination; finding the right fit is part of the journey. Athens offers international connectivity and extensive services, while smaller cities, villages, and mainland coastal communities may provide greater value and a slower pace. Before buying, spend meaningful time in the area, preferably outside peak tourist season, to ensure the property and community support your lifestyle, financial goals, and residency needs.

EXPLORE YOUR OPTIONS IN GREECE Interested in learning more about your options in Greece? Join me and the Global Business Council for Spotlight on Greece on October 22 at 2:00 p.m., featuring helpful information and a sampling of Greek wine. Reserve your spot at myrasm.com/calendar. Questions? Contact me directly at deansavakis@ kw.com. •

¹ European Commission, “Spring 2026 Economic Forecast: Greece.” Greece recorded GDP growth of 2.1% in 2025; growth of 1.8% is forecast for 2026. Unemployment was 8.9% in 2025, while the country’s debt-to-GDP ratio is forecast to continue declining.

myRASM.com | 29

PROFESSIONAL DEVELOPMENT COMMITTEE

Owning Waterfront Property: Water My Rights? By: Ben Sorrell, Esq., Attorney at Syprett Meshad & DuBose, P.A.

aterfront ownership is the convergence of private property ownership, state ownership1, and public rights. Owners of property abutting beaches, lakes, rivers, and other navigable bodies of water have certain inherent rights to use and enjoy the water. At the same time, the public may have rights to use and enjoy the same water. So, how do we know what is privately owned land vs. land the public has the right to use?

THE PUBLIC TRUST DOCTRINE Florida’s public trust doctrine, enshrined in the Florida Constitution, states that any land that was submerged (underwater) on the date Florida became a state – March 3, 1845 – is held in trust “for all of the people.”2 This means that the state of Florida owns these lands (the submerged land beneath the water), which allows the public the right to use these bodies of water. Conversely, this also means that lands that were not submerged as of that date are not owned by the state of Florida, but are instead owned privately (i.e., dredged lands, man-made lakes). The public has the right to use the water above all submerged lands held in trust by the state, but what rights do adjacent property owners have?

For tidally influenced navigable water bodies, the line between public and private ownership is the Mean High Water Line (MHWL), which represents a boundary averaged over a 19-year tidal cycle. This boundary is ambulatory and will change with erosion or accretion (additions).5 For non-tidal navigable water bodies, the line is called the Ordinary High Water Mark (OHWM). The MHWL and the OHWM are described as the point up to which the presence and action of the water is so continuous as to destroy the value of the land for agricultural purposes. For riparian rights to attach to the “upland” property, the property must extend to either the MHWL or the OHWM, as applicable.

RIPARIAN AND LITTORAL RIGHTS

MAN-MADE BODIES OF WATER

Riparian and littoral rights describe the rights owners of property abutting navigable waters have to access, view, and use over the state-owned submerged lands beneath those waters3. Riparian rights technically refer to rivers and streams, whereas littoral refers to oceans and seas. However, the terms are used interchangeably now. These riparian and littoral rights benefiting the “upland” landowner function essentially as an easement over the state-owned submerged land, and run with the land whether or not mentioned in the deed4.

OWNERSHIP: TIDAL VS. NON-TIDAL BODIES OF WATER Riparian and littoral rights attach to both tidal and non-tidal navigable bodies of water. Riparian rights aside, most owners want to know: where is the line between private ownership and public rights? Well, there quite literally is a line – two, actually, depending on the adjacent water body.

30 | ELEVATE [ SEPTEMBER 2026 ]

The result is entirely different for man-made bodies of water. If the body of water was man-made, the public trust doctrine does not apply since the land was not submerged on March 3, 1845. Thus, the state does not own the land in trust for the public. Rather, the man-made body of water is privately owned, and the public has no right to use it without permission from the upland owner. Additionally, riparian rights do not generally attach to artificial bodies of water since the land (beneath the water) remains privately owned. An exception to the above would be if the artificial water body was conveyed by deed or dedicated, such as by plat, to the government. • This article does not address potential United States sovereignty or navigation rights over navigable waterways within the state. 2 See Article X, Section 11 of the Florida Constitution. 3 Riparian rights also include the right to wharf out to navigability. 4 Section 253.141(1), Florida Statutes. 5 Section 253.12(9), Florida Statutes. 1

Still Have Questions About the NAR Settlement? You’re Not Alone By: Denise Ricciotti, RASM Professional Development Director

he real estate industry has undergone significant changes following the NAR settlement, but for many REALTORS®, questions remain. What exactly was the settlement? Is it a law? What are the rules versus best practices? How should you explain the changes to buyers and sellers? What can you say about compensation? And most importantly, are you confident that the way you are conducting your business today is compliant? If you have questions, this is the session you don’t want to miss. Join Florida REALTORS® Legal Counsel Joel Maxson, Brokers David Clapp and Alex Krumm, and moderator Peter Pike of Pike Law for an informative and practical discussion designed to cut through the confusion surrounding the NAR settlement. The panel will break down what the settlement actually means, clarify what has changed... and what hasn’t. Join the discussion on how REALTORS® can navigate conversations with buyers and sellers while avoiding potential legal and compliance pitfalls. Just as importantly, bring your questions! This program is designed to give members an opportunity to hear directly from professionals who understand the legal requirements and the realities of putting these changes into practice every day.

Don’t rely on assumptions, social media, or what you’ve heard from someone else. Get the facts, get your questions answered, and leave better prepared to confidently explain today’s real estate practices to your clients.

NAR SETTLEMENT: COMPENSATION PANEL September 28 Members: FREE Informational Session, No CE

MEET THE EXPERTS: JOEL MAXSON

DAVID CLAPP

Florida REALTORS® Legal Counsel

REMAX Alliance Group, Office Manager, Broker

ALEX KRUMM

PETER J. PIKE, ESQ.

NextHome Excellence, Broker

Pike Law Moderator

BRAND YOURSELF AS A “WATERFRONT EXPERT” Reach Further with RASM’s own waterfront certification. LEARN MORE AT MYRASM.COM/CWS

NOVEMBER 10 • RASM NORTH • 8:30AM - 5:00PM myRASM.com | 31

YOUNG PROFESSIONALS NETWORK

Finding Your Niche as a New Agent: How to Position Yourself as the Go-To Expert in a Competitive Market By: Tommi Kanotz, Real Estate Advisor, Compass

ne of the biggest challenges for new REALTORS® is figuring out where they fit in such a broad industry. Real estate offers countless career paths, from residential sales and luxury listings to investment properties, rentals, relocation, commercial real estate, and more. Trying to master every aspect of the business at once can quickly become overwhelming. When I first got into real estate, I said yes to every opportunity that came my way. I worked with buyers, sellers, landlords, and tenants, which gave me invaluable experience and helped me better understand every side of the business. As I gained more experience, I realized I especially enjoyed working with rental clients and people relocating to Florida. That passion naturally became my niche, and once I leaned into it, my business began to grow. Finding your niche doesn’t mean turning away business; it means becoming known for something. Clients are drawn to professionals who demonstrate expertise, and becoming the go-to resource in one area helps you stand out in an increasingly competitive market.

STEP #3: LET YOUR MARKETING REFLECT YOUR EXPERTISE

STEP #1: FIND WHAT YOU’RE PASSIONATE ABOUT

WHY THIS MATTERS FOR YPN MEMBERS

Passion is one of the biggest drivers of success. Think about the transactions you’ve enjoyed the most. Was it helping a first-time homebuyer? Working with investors? Listing waterfront homes? Assisting tenants with finding a rental? Maybe it’s helping families relocate across the country. When you’re genuinely excited about the clients you serve, you’ll naturally invest more time learning the market, staying informed, and providing exceptional service. The more passionate you are, the more confidence your clients will have in you.

STEP #2: LEARN EVERYTHING YOU CAN ABOUT YOUR NICHE Once you’ve identified your niche, commit to becoming an expert. Study the market every day. Tour properties. Learn neighborhood statistics. Understand financing options, HOA requirements, insurance considerations, and local market trends. Stay up to date on new inventory and market changes. The agents who become known as experts aren’t necessarily the ones who’ve been in the business the longest; they’re the ones who continuously educate themselves. Knowledge builds confidence, and confidence builds trust. 32 | ELEVATE [ SEPTEMBER 2026 ]

Your marketing should clearly communicate what you want to be known for. Create social media content, videos, blogs, newsletters, and educational posts centered around your niche. If you want to become the relocation expert, create guides about your city and neighborhoods. If you specialize in waterfront homes, educate consumers on boating access, flood insurance, and waterfront communities. Consistency builds recognition. When people repeatedly see your name associated with a specific topic, they’ll begin thinking of you as the expert.

STEP #4: BUILD RELATIONSHIPS WITH OTHER AGENTS One of the biggest misconceptions in real estate is that every REALTOR® is your competition. In reality, some of your greatest business opportunities come from other agents. If another REALTOR® doesn’t specialize in your niche, they’ll often refer those clients to someone they trust. Likewise, you’ll have opportunities to refer clients outside your specialty to agents whose expertise better serves those clients. The stronger your relationships within the industry, the stronger your referral network becomes. One of the greatest benefits of being involved with the Young Professionals Network is the opportunity to build meaningful relationships with other REALTORS® who are also growing their businesses. YPN creates an environment where new agents can collaborate, ask questions, share ideas, and learn from professionals with different specialties. It’s a place to observe what’s working in today’s market, identify gaps where you can create value, and discover the niche that best fits your strengths and passions. Just as importantly, YPN helps build referral relationships. Not every agent specializes in the same areas of real estate, and that’s a good thing. By developing relationships with agents who have different areas of expertise, we create opportunities to refer business to one another while ensuring our clients receive the best possible service. There’s a saying that the “R” in REALTOR® stands for relationships. While we know that’s not literally true, the message couldn’t be more accurate. Relationships are the foundation of this business. The connections you build with clients, industry partners, and fellow REALTORS® often become your greatest asset throughout your career. YPN helps cultivate those relationships, and those relationships help build lasting, successful businesses. •

NEW FOR 2026 RASM PASSPORT ONE ANNUAL FEE Pay once and gain access to eligible RASM classes for the full calendar year.

ELIGIBLE CLASSES

Attend as many eligible CE and professional development sessions as you want with no per-class fees.

MEMBERS ONLY Exclusively for active RASM REALTOR® members.

EASY REGISTRATION Sign up through the Member Portal and select “Passport Member” at checkout.

SIMPLE AFFORDABLE PRICING FULL-YEAR

HALF-YEAR

JANUARY 1 - DECEMBER 31

JULY 1 - DECEMBER 31

$99

$50

FOR MORE INFO SCAN THE QR CODE OR GO TO

www.MyRASM.com/educationpassport

R E A L TO R S ® COMMITMENT TO E X C E L L E N C E

Ready to rock? C2EX can help you take it to the next level. Amp up your career at C2EX.realtor

34 | ELEVATE [ SEPTEMBER 2026 ]

PROFESSIONAL DEVELOPMENT

Celebrating Women in Leadership By: Denise Ricciotti, RASM Professional Development Director

eadership takes many forms, but some of the most valuable lessons come from those who have already stepped forward, faced the challenges, and helped shape the path for others. On October 5 at RASM North, RASM members are invited to join us for Celebrating Women in Leadership, a special panel discussion featuring three distinguished RASM Past Presidents: Amy Worth, Debi Reynolds, and Linda Formella. These accomplished REALTOR® leaders have each made a lasting impact on our association and the real estate profession. During this candid conversation, they will share lessons from their leadership journeys, the challenges and opportunities they have encountered, and the experiences that helped shape their careers. Whether you currently hold a leadership role, are considering becoming more involved in the association, or simply want to grow professionally, this session will offer valuable takeaways you can apply to your own career and leadership journey.

MAKE AN AFTERNOON OF IT... AND MAKE TIME FOR YOUR HEALTH

LEARN FROM WOMEN WHO HAVE LED THE WAY

Accredited Buyer's Representative ABR® Veronica Lee, Coldwell Banker Realty Certified Waterfront Specialist (CWS) Shandra Holbrook, Dalton Wade Inc Patrizia Trammell, Coldwell Banker Realty Gina Zambrana, KW Coastal Living III Graduate, REALTOR® Institute® (GRI)® Carlos Perez, Fine Properties Home Finance Resource (HFR) William True, True Real Estate Inc Pricing Strategy Advisor (PSA) Robert Collins, Preferred Shore LLC Real Estate Negotiation Expert (RENE) James Scott Nivens, Exit King Realty Seller Representative Specialist (SRS) Robert Collins, Preferred Shore LLC Short Sales and Foreclosure Resource (SFR®) Siso Anibal Morales Melendez, Fidata Real Estate LLC Kimberly Stanford, Realnet Florida Real Estate Seniors Real Estate Specialist® (SRES®) Joan Covell-Tocci, INNOVATE Real Estate Lauren Hofing, The Keyes Company •

During the discussion, attendees will:

Gain firsthand insights from experienced

REALTOR® leaders on the challenges and opportunities facing our industry. Learn practical leadership lessons that can help you grow professionally and within the association. Hear personal perspectives from three Past Presidents who have helped shape RASM. Build meaningful connections with association leaders and fellow members. Following the panel, attendees are invited to continue the conversation during a complimentary wine and cheese reception. This informal networking opportunity is a chance to connect personally with the panelists, meet other RASM members, and learn more about opportunities to become involved in association leadership.

RASM is also pleased to welcome the MammoLink Mobile Mammogram Bus to RASM North that same afternoon, making October 5 an opportunity to invest in both your professional development and your personal well-being. The mobile mammogram bus will be available from 2:00–5:00 p.m. at RASM North, offering convenient 10-minute appointments, same-day results, and screenings for women ages 35 and older. Appointments should be scheduled in advance using the QR code on the event flyer. Join us on October 5 to celebrate the women who have helped lead RASM, gain inspiration for your own leadership journey, connect with fellow REALTORS®, and take advantage of a convenient opportunity to prioritize your health.

CELEBRATING WOMEN IN LEADERSHIP October 5 | RASM North Panel Discussion followed by a complimentary Wine & Cheese Reception Panelists: Amy Worth • Debi Reynolds • Linda Formella

REALTORS® NEWLY DESIGNATED & CERTIFIED

myRASM.com | 35

SEPTEMBER & OCTOBER 2026

CALENDAR OF EVENTS TUESDAY, SEPT 1 - WEDNESDAY, SEPT 2 9:00 a.m.

14 Hour CE tNorth

THURSDAY, SEPTEMBER 3 9:00 a.m.

Brewed Connections tSouth

FRIDAY, SEPTEMBER 18 8:30 a.m.

CREA Marketplace Meeting tSouth

THURSDAY, OCTOBER 8 9:00 a.m.

Broker Breakfast tNorth

1:00 p.m.

Duty Calls: Navigating Florida’s Brokerage Relationships with Confidence iWebinar

MONDAY, SEPTEMBER 21 1:30 p.m.

New Member Orientation tSouth

THURSDAY, OCTOBER 14 FRIDAY, SEPTEMBER 4 8:30 a.m.

CREA Marketplace Meeting tSouth

THURSDAY, SEPTEMBER 10 10:30 a.m.

YPN Trolley Tour: North River Ranch tSouth

FRIDAY, SEPTEMBER 11 8:30 a.m.

CREA Marketplace Meeting tSouth

9:30 a.m.

FR Florida Bar Contracts for Residential Sale and Purchase iOnline

MONDAY, SEPTEMBER 14 9:00 a.m.

Stay out of Real Estate Jail tNorth

1:30 p.m.

Conflict Resolution for REALTORS® tNorth

TUESDAY, SEPT 22 - WEDNESDAY, SEPT 23 8:00 a.m.

THURSDAY, SEPTEMBER 24 10:30 a.m.

8:30 a.m.

CREA Marketplace Meeting tSouth

MONDAY, SEPTEMBER 28 2:00 p.m.

NAR Settlement: Compensation Panel tSouth

WEDNESDAY, SEPTEMBER 30

TUESDAY, SEPTEMBER 15 RASM After Hours Networking Inner Compass Brewing

RASM Tailgate Expo rEd Smith Stadium

FRIDAY, SEPTEMBER 25

5:30 p.m.

4:30 p.m.

Learning Centered Instructor Workshop (LCIW) tSouth

German Night Out: Oktoberfest Lucky Frog German Restaurant

THURSDAY, OCTOBER 1 5:30 p.m.

WEDNESDAY, SEPTEMBER 16

Totally RASM 80s Homecoming Dance tSouth

9:00 a.m.

Business Partner Orientation tNorth

10:00 a.m.

BOOST: New Agent Training tSouth

MONDAY, OCTOBER 19 9:00 a.m.

New Member Orientation tNorth

1:30 p.m.

Fair Housing: Be the Change tNorth

THURSDAY, OCTOBER 22 9:00 a.m.

Working with Senior Citizens tNorth

2:00 p.m.

Spotlight on Greece tNorth

MONDAY, OCTOBER 26 10:30 a.m.

CREA Golf Tournament rSara Bay Country Club

WEDNESDAY, OCTOBER 28 8:30 a.m.

Accredited Buyer’s Representative (ABR) [Day 1 of 2] tSouth

THURSDAY, OCTOBER 29 8:30 a.m.

Accredited Buyer’s Representative (ABR) [Day 2 of 2] tSouth

9:00 a.m.

Global Real Estate Dynamics tSouth

MONDAY, OCTOBER 5

11:00 a.m.

Global Tools from Stellar MLS tSouth

2:00 p.m.

Mobile Mammogram Bus tNorth

CALENDAR KEY:

2:30 p.m.

Women in Leadership: Past Presidents Panel & Networking Wine and Cheese Reception tNorth

South 2320 Cattlemen Road, Sarasota, FL 34232 North 2901 Manatee Ave W, Bradenton, FL 34205 Hybrid Class offered online or at specified location. Webinar Class is only offered through webinar. Other Class or event is offered off site.

THURSDAY, SEPTEMBER 17 9:00 a.m.

Brewed Connections tNorth

2:00 p.m.

Annual Meeting tSouth & iFB Live

36 | ELEVATE [ SEPTEMBER 2026 ]

WEDNESDAY, OCTOBER 7 10:00 a.m.

BOOST: New Agent Training [Day 1 of 2] tSouth

Registration is requested. See event calendar at: myrasm.com/calendar

CAREER DEVELOPMENT UPCOMING CLASSES Learn more at myrasm.com/calendar to register.

NEW MEMBER ORIENTATION Monday, September 21 1:30 - 4:30 p.m. [ South ] Monday, October 19 9:00 - 12:00 p.m. [ North ] A required 3-hour session for new REALTOR® members that provides essential resources, benefits, responsibilities, and Association guidelines to complete within 90 days of joining RASM. Members Free, Non-CE.

BREWED CONNECTIONS NETWORKING Thursday, September 3 9:00 - 10:00 a.m. [ South ] Thursday, September 17 9:00 - 10:00 a.m. [ North ] A casual REALTOR®-only coffee networking hour designed to help members stay connected, informed, and engaged with fellow REALTORS®. REALTOR® Members Free, Non-CE.

SHOE DRIVE BENEFITING TURNING POINTS Tuesday, Sept. 1 - Monday, Sept. 14 [ South & North ] Support the 2026 RASM Leadership Academy’s Shoe Drive benefiting Turning Points by donating new or gently used shoes for any gender and size. Flat, practical shoes such as tennis shoes are preferred.

14 HR CE Tues., Sept. 1 - Wed., Sept. 2 9:00 a.m. - 5:00 p.m. [ North ] Complete all 14 hours of required continuing education in one convenient two-day class while gaining practical knowledge to strengthen your business. Members $89, 14 CE HRS.

YPN TROLLEY TOUR: NORTH RIVER RANCH Thursday, September 10 10:30 - 2:30 p.m. [ South / North River Ranch] Tour North River Ranch firsthand and gain local insights you can use to confidently guide buyers, strengthen client conversations, and grow your network. YPN Members $15, Non-YPN Members $25, and Non-Trolley riders are $10.

Designation or Certification Courses

PE = Passport Eligible

FR FLORIDA BAR CONTRACT FOR RESIDENTIAL SALE AND PURCHASE Friday, September 11 9:30 - 1:30 p.m. [ Webinar ] Stay current on Florida real estate law and fulfill required continuing education while reducing risk in your business practices. Members $16, 4 CE HRS.

STAY OUT OF REAL ESTATE JAIL Monday, September 14 9:00 - 12:00 p.m. [ North ] Learn how to avoid common legal and ethical pitfalls, protect your license, reduce liability, and keep your real estate business on track. Members $15, 3 CE HRS, PE $0.

CONFLICT RESOLUTION FOR REALTORS® Monday, September 14 1:30 - 4:30 p.m. [ North ] Learn practical strategies to handle conflict professionally, strengthen communication, preserve relationships, and keep transactions moving forward. Members $15, 3 CE HRS, PE $0.

RASM AFTERHOURS NETWORKING Tuesday, September 15 4:30 - 6:30 p.m. [ Inner Compass Brewing ] Connect with fellow RASM members, build valuable relationships, and grow your professional network in a relaxed setting with light bites provided. Included with RASM Membership.

GLOBAL REAL ESTATE DYNAMICS Wednesday, September 16 9:00 - 11:00 a.m. [ South ] Learn how currency exchange impacts international real estate transactions and gain practical strategies to manage risk, protect closings, and grow your global business.Members $5, PE $0, 2 CE HRS.

GLOBAL TOOLS FROM STELLAR MLS Wednesday, September 16 11:00 - 12:00 p.m. [ South ] Learn how to use Stellar MLS tools to uncover international opportunities, connect with global real estate professionals, and grow your referral network. customers. Members Free, Non-CE.

myRASM.com | 37 [ Continued on page 38 ]

UPCOMING CLASSES CONTINUED ANNUAL MEETING Thursday, September 17 2:00 - 2:30 p.m. [ South & FB Live ] Celebrate RASM's accomplishments and hear 2026 President David Crawford's State of the Association at this year's Annual Meeting. Members Free, Non-CE.

LEARNING CENTERED INSTRUCTOR WORKSHOP (LCIW) Tues., Sept. 22 - Wed., Sept., 23 8:00 - 5:00 p.m. [ South ] Take the first required step toward becoming a Florida REALTOR® instructor and learn how to create engaging, learner-centered classes. Members $230, Non-CE.

RASM FALL TAILGATE EXPO Thursday, Sept. 24 10:30 a.m. - 2:00 p.m. [ Ed Smith Stadium ] Turn $5 into new connections, trusted resources, and potential business opportunities while meeting the Business Partners who can help you and your clients succeed. REALTOR® Members $5 advance, $10 at the door.

WOMEN IN LEADERSHIP: PAST PRESIDENTS PANEL & NETWORKING WINE AND CHEESE RECEPTION Monday, October 5 2:30 - 4:30 p.m. [ North ] Gain leadership insights from RASM past presidents, then connect with fellow members over a complimentary wine and cheese reception. Members Free, Non-CE.

BOOST: NEW AGENT TRAINING Wednesday, October 7 10:00 - 4:00 p.m. [ South ] Wednesday, October 14 10:00 - 4:00 p.m. [ South ] Build a strong foundation for your real estate career with practical tools and strategies to grow your business, plus lunch included. Members Free, Non-CE.

BROKER BREAKFAST Thursday, October 8 9:00 - 11:00 p.m. [ North ] Start your morning with a hot breakfast, valuable networking, and an important discussion with fellow RASM brokers. Members Free, Non-CE, Brokers ONLY.

NAR SETTLEMENT: COMPENSATION PANEL

DUTY CALLS: NAVIGATING FLORIDA’S BROKERAGE RELATIONSHIPS WITH CONFIDENCE

Monday, September 28 2:00 - 4:00 p.m. [ South ] Get clear on what the NAR settlement means for your business, what you can and can’t do, and how to avoid costly compliance mistakes. Members Free, Non-CE.

Thursday, October 8 1:00 - 4:00 p.m. [ Webinar ] Master Florida’s brokerage relationship laws through real-world scenarios while protecting your clients, your license, and your business. Members $12, 3 CE HRS.

GERMAN NIGHT OUT: OKTOBERFEST

BUSINESS PARTNER ORIENTATION

Wednesday, September 30 5:30 - 7:30 p.m. [ Lucky Frog German Restaurant ] Celebrate Oktoberfest with the Global Business Council over German-inspired bites, drinks, networking, and a taste of Germany’s culture and traditions. $20 GBC Members, $25 Non- Members, Non-CE.

Wednesday, October 14 9:00 - 10:00 a.m. [ North ] Make the most of your RASM Business Partner membership by discovering new ways to connect, gain visibility, and grow your business. Members Free.

TOTALLY RASM 80S HOMECOMING DANCE

Monday, October 19 1:30 - 3:30 p.m. [ North ] Understand fair housing laws, recognize bias and prohibited practices, and complete your required NAR Cycle 8 Fair Housing training. Members $10, 2 CE HRS.

Thursday, October 1 5:30 - 8:30 p.m. [ South ] Go totally ’80s with music, dancing, food, drinks, and your chance to vote for RASM’s Homecoming King and Queen while supporting RPAC. Tickets $20.

MOBILE MAMMOGRAM BUS Monday, October 5 2:00 - 5:00 p.m. [ North] Take care of your health without missing your day. Mammolink will be onsite at RASM North offering convenient 10-minute mammogram appointments with same-day results for women ages 35+. Advance online booking required. 38 | ELEVATE [ SEPTEMBER 2026 ]

FAIR HOUSING: BE THE CHANGE

WORKING WITH SENIOR CITIZENS Thursday, October 22 9:00 - 12:00 p.m. [ North ] Learn how to better serve Florida’s growing senior population, build trust with older clients and families, and confidently navigate their unique housing needs. Members $15, 3 CE HRS. •

MEMBERSHIP NEWS

RASM Membership Update By: Jessica Montague, Member Services Director

RASM MEMBERS NOW WITH Angela Adams, Michael Saunders & Company Andrew Salvatore Azzarello, Preferred Shore LLC Xtavia Kenya Bailey, LPT Realty, LLC David Peter Barr, Berkshire Hathaway HomeService Humberto Benitez, KW Coastal Living III Tara Bennett, LPT Realty, LLC Mark Blocker, Exp Realty LLC Ernest J Casali, EXP Realty LLC Jennifer M Cassidy, Elite Home Group Katie Cobb, Douglas Elliman Janet Elizabeth Coughlin, Michael Saunders & Company Robert Michael Curtin, Michael Saunders & Company Dawn Deemer-Stewart, LPT Realty, LLC Tammi Deinlein, KW Coastal Living III Jennifer J Delbo,Dalton Wade Inc Amanda Dlugos, Rider Real Estate Matthew Eichel, Preferred Shore LLC Tresha Elizabeth Elston, Wagner Realty Shaun Eric Hackman, Dalton Wade Inc Kenya Iman Hall, Real Broker, LLC Ruth Hipwell Purcell, Premier Sotheby's International Realty Lilli Francoise Hofer, LoKation Wesley Hoggard, EXP Realty LLC Frank Huang, EXP Realty LLC Aron Daniel Hutchins, EXP Realty LLC Rachel Hutchins, EXP Realty LLC Merrisa Kihnke, Michael Saunders & Company Kryszak, Diana Frances - Michael Saunders & Company Michael Laconca, Coldwell Banker Realty Emmanuel Lizardo, KW Coastal Living II Shantele Marcum, LPT Realty, LLC Joseph Alan McDonald, Premier Sotheby's International Realty Timothy Javier Mendizabal, Mark Spain Real Estate Sandra Miccio, Preferred Shore LLC Tara A Miller, Douglas Elliman Jason Moore, Michael Saunders & Company Nathali Moreno Vogtschmidt, Real Broker, LLC

Murray, Bev - Berkshire Hathaway HomeService Murray, Steve J - Berkshire Hathaway HomeService Niedospial, Kathleen - Hunt Brothers Realty, Inc. Oliphant, Mary-Frances - Gulf Sands Realty, LLC Olivera, Spring - KW Suncoast Outen, Jasmine - Michael Saunders & Company Paternostro, Jaime Antonio - Fine Properties Perez Lahera, Irianna - La Rosa Realty LLC Porter, Tahj Malik - Wilson & Wilson Group Inc Poulos Loos, Connie - KW Suncoast Reilly, Maureen Victoria - Berkshire Hathaway HomeService Reynolds, Elizabeth - NextHome Excellence Rielly, Christopher - KW Suncoast Mark Clinton Russell, KW Suncoast Lori Sabattini, KW Coastal Living II Daniel Kyle Steele, Preferred Shore LLC Hali Bandy Tallman, Preferred Shore LLC Jason Gregory Taulbee, Fine Properties Neraj Tuli, Preferred Shore LLC Lucy Uecker, NextHome Excellence Lisa Vanoverbake, Fine Properties Mary Jo Violett, White Sands Realty Group FL Maria C Vitale, Michael Saunders & Company Dia M Wilson, Wagner Realty Gary David Wojciechowski, Dalton Wade Inc. •

myRASM.com | 39

[ Continued on page 40 ]

MEMBERSHIP NEWS NEW DESIGNATED REALTORS®

Leslie G Babiak, Leslie Babiak LLC Janelle Duncan, Premier Sotheby's International Realty Erik Dunigan, Evolve Real Estate Nicholas Edgington, Tailwind Property Management & Realty William Gryboski, Rider Real Estate Aiden Andrew Hackney, Hackney Property Management LLC Nicole Klays, Pristine Estates Heather Martin, KW Coastal Living II Nydia Pino, Realty One Group Innovation Ray Wilson, Robert Slack LLC

NEW REALTORS® Isabelle Albert, Premier Sotheby's International Realty James Ashby, Wagner Realty Mary Auen, Dalton Wade Inc Edward Baroncini, KW Suncoast Calvin Buerkle, Medway Realty Lacey Cadmus, Exit King Realty Kevin Campbell, KW Coastal Living III Lisa-Maree Carter, Michael Saunders & Company Eric Caudy, Berkshire Hathaway HomeService Frieda Chambers, EXP Realty LLC Odalkys Chaviano Cruz, Realty Hub Brian Chinn, EXP Realty LLC Andrea Chretien, Raynard Realty Group LLC Loretta Mae Copper, KW Coastal Living III Tracie Dammann, Paradise Palms Realty Group Stacy Daugherty, Re/Max Palm Santo DeMarco, Dave Jones Realty, LLC Carmen M. Diligiro, Suncoast Global Realty Clay Dominy, Legacy Real Estate Associates, LLC Alexandre Duhamel, Coldwell Banker Realty Carmen Dupeyrat, Fine Properties Kari Emons, Keller Williams Island Life Re Brandon English, Engel + Voelkers Sarasota Yuliya Esipova, Keller Williams On The Water S Emily Eurice, Matthew Guthrie and Associates Realty LLC Miriam Fieber, Leslie Wells Realty, Inc. Dwayne Foster, KW Coastal Living II Tracey Franklin, Re/Max Palm George Ge, Gray Property Group, LLC Anthony Giovi, Coldwell Banker Realty Lainie Goldberg, Keller Williams On The Water S Ellen Goldstein Battin, Keller Williams Island Life Re Mikhail Goykhman, Dalton Wade Inc Gary J Grainger, Preferred Shore LLC Barbra Greene, Coldwell Banker Realty Britany Huebner, River Hills Properties, LLC B Radmila Jankulovska, Exit King Realty Patricia Kab, Preferred Shore LLC Gareth Kyriacopoulos, Real Property Management Christopher Woodson Light, NextHome Excellence Monica Lipomi, Keller Williams On The Water S 40 | ELEVATE [ SEPTEMBER 2026 ]

Christopher Madrigal, McKay Management & Realty Jennifer Marrero, EXP Realty LLC Stefanie Massie, Coldwell Banker Realty Jacqueline Mazur, Preferred Shore LLC Jeffery Miller, Horizon Realty International Cathi Murphy, Florida Real Estate Places, LLC Steven James Nantais, Coldwell Banker Realty Brooke Olson, Sauter by the Water Leah Ortiz, Preferred Shore LLC Olufunsho Oshunleti, Dalton Wade Inc Susie Pala, Preferred Shore LLC Collette Perodin, KW Suncoast Aaron Polachek,KW Suncoast Inessa Schein, Dalton Wade Inc. Portia Schulz, Marcus & Company Realty Marta Scigala, Realty Hub Sherry Seals, Keller Williams On The Water Sherry Sellmann, Legacy Bay Partners Melinda Sganga, Michael Saunders & Company Andrew Sherrick, KW Suncoast Timothy Staub, LPT Realty, LLC Alexander Stylos, RE/MAX Palm Keeth Tamberelli, Epique Realty Inc. Nicole Tesla, KW Coastal Living III Lori Valvano, Michael Saunders & Company Lilia Vasilchuk, The Real Estate Store Joshua Waldo, Legacy Real Estate Associates, LLC Philip Watson, Keller Williams On The Water

NEW BUSINESS PARTNERS: BARRIER BUILDERS 3665 Bee Ridge Rd Sarasota, Florida 34233 Representative: Tyler Kedrowski Email: tyler@barrier-builders.com Your Roof is your home’s first line of defense. We install hurricane-resistant roofing systems using premium materials, precision installation, and clear, consistent communication. Our proven methods are designed specifically for Southwest Florida’s extreme weather - protecting your home, investment, and your peace of mind.

BRADENTON AREA EDC 26 West Center at SCF Bradenton, Florida 34207 Representative: Shirar O'Connor Email: Shiraro@BradentonAreaEDC.com Whether your company is looking to locate or expand, the Bradenton Area EDC and its workforce partners are ready to assist you with recruitment, training or retention strategies.

[ Continued on page 41 ]

MEMBERSHIP NEWS BROWARD FACTORY SERVICE

ROCKET MORTGAGE, LLC

3500 N 28th Terrace Hollywood, Florida 33020 Representative: Brian Michelin Email: bmichelin@browardfactory.com Our mission is to keep your family comfortable by providing exceptional service through integrity, hard work and treating our customers like family.

4002 Hina Dr Sarasota, Florida 34241 Representative: Scott North Email: ScottNorth@RocketMortgage.com Why Rocket Mortgage? More options, Save with flexible loans, exclusive discounts, and expert support. 10 mins or less to get preapproved, zero credit impact. Ranked #1.

EMILY'S ORGANIC SOLUTIONS LLC

SAM RODGERS HOMES

4134 Waikiki Dr Sarasota, Florida 34241 Representative: Emily Bowers Email: sarasotaeos@gmail.com EOS is an eco-conscious exterior restoration and environmental remediation company delivering powerful, long-lasting results without compromising the integrity of your property or the environment. We specialize in restoring wood, roofs, fences, and buildings to like-new condition using advanced organic products and modern restoration techniques.

7381 Professional Parkway Sarasota, Florida 34240 Representative: Kari Rowell Email: rowellk@samrodgers.com As a local, family-owned business, our mission is to build quality homes and communities in an atmosphere of honesty and sincerity, and to ensure that our residents receive the very best value within their communities and their homes.

EXCELLENT GULF COAST CLEANING LLC 5556 Cedar Oak Blvd Sarasota, Florida 34233 Representative: Brian Dautaj Email: brian@excellentgulfcoastcleaning.com We provide professional commercial and residential cleaning services across Florida’s Gulf Coast, serving businesses and property owners from Tampa to Naples.

KILWINS 5140 Ocean Blvd Sarasota, Florida 34238 Representative: Aditi Goswami Email: DotheDoable@gmail.com Kilwins Ice Cream & Chocolate Store in Siesta Key. Your local shop for hand-crafted treats including Dubai Chocolateheart.

RELUXITY 3850 Central Ave Fort Myers, Florida 33901 Representative: Ronald Robillard Email: troyrobillardswfl@gmail.com Reluxity unifies websites, deals, expense tracking, and an agentic AI assistant into one intelligent platform designed to work for you, not the other way around.

SUNCOAST ASSURED PROPERTY CARE LLC 1441 Tinamou Rd Venice, Florida 34293 Representative: John Malone Email: johnmalone@suncoastassured.com At Suncoast Assured Property Care, we believe your property deserves more than just standard maintenance it deserves vigilant stewardship. We understand that your home is both a sanctuary and a major investment. Our mission is to shield you from the stress of property upkeep, providing a seamless layer of protection and predictability, whether you are across town or across the country.

UNITED MORTGAGE ADVISORS, INC. 2563 N Toledo Blade Blvd North Port, Florida 34289 Representative: Kristy Hollis Email: info@unitedmortgageadvisors.com United Mortgage Advisors is an independent mortgage brokerage, located in North Port, FL serving the entire state of Florida. We are devoted to offering low rates and closing costs, along with outstanding customer service and quick, hassle-free approvals. •

myRASM.com | 41

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MISSION Empowering the success of REALTORS® and protecting private property rights.

VISION Professionalism elevated and communities strengthened.

2 20 17 15 470+ 8,500+

counties employees committees directors

affiliates

realtor® members

FLORIDA REALTORS® PAC (2024)

3,035 47 $315,987 members invested in florida realtors® pac

major investors

invested into rpac by rasm members in 2023

largest local association in united states

2026 LEADERSHIP TEAM

# david crawford president

anita lambert

president-elect

julia montei

vice president

derek patti

treasurer

past president

42,000 79,226 $45,000 $

raised for the foundation in 2025

RASM SOUTH

in florida

debi reynolds

2320 Cattlemen Road, Sarasota, FL 34232

largest local association

RASM NORTH

in scholarships awarded in 2025 donated to local charities in 2025

2901 Manatee Avenue W., Bradenton, FL 34205

www.myrasm.com • (941) 952-3400

PHONE: (941) 952-3400 FAX: (941) 952-3401

www.MyRASM.com

EXPANDED REPORTS Sarasota and Manatee Counties

July 2026 Reach Further With The Market. For more detailed reports, visit myrasm.com/statistics myRASM.com | 45

Monthly Distressed Market - July 2026 Single-Family Homes Sarasota County

Closed Sales

July 2026

July 2025

Percent Change Year-over-Year

733

720

1.8%

$498,500

$470,000

6.1%

400.0%

$254,950

$1,057,500

-75.9%

0.0%

$384,500

$269,500

42.7%

Traditional Median Sale Price Closed Sales Foreclosure/REO Median Sale Price Closed Sales Short Sale Median Sale Price

2022

2023

Traditional

2024

Foreclosure/REO

2025

2026

Short Sale

100% 90%

Closed Sales

80% 70% 60% 50% 40% 30% 20% 10% 0%

J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J

$1200K

Median Sale Price

$1000K

$800K

$600K

$400K

$200K

$0K

J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J

2022

2023

2024

2025

46 | ELEVATE [ SEPTEMBER 2026 ]

2026

Monthly Distressed Market - July 2026 Single-Family Homes Manatee County

Closed Sales

July 2026

July 2025

Percent Change Year-over-Year

686

622

10.3%

$499,000

$489,900

1.9%

300.0%

$330,000

$524,900

-37.1%

300.0%

$306,000

$350,000

-12.6%

Traditional Median Sale Price Closed Sales Foreclosure/REO Median Sale Price Closed Sales Short Sale Median Sale Price

2022

2023

Traditional

2024

Foreclosure/REO

2025

2026

Short Sale

100% 90%

Closed Sales

80% 70% 60% 50% 40% 30% 20% 10% 0%

J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J

$1600K $1400K

Median Sale Price

$1200K $1000K

$800K $600K $400K $200K $0K

J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J

2022

2023

2024

2025

2026

myRASM.com | 47

Monthly Distressed Market - July 2026 Townhouses and Condos Sarasota County

Closed Sales

July 2026

July 2025

Percent Change Year-over-Year

313

237

32.1%

$340,000

$300,000

13.3%

0.0%

$246,000

$431,250

-43.0%

N/A

$350,000

(No Sales)

N/A

Traditional Median Sale Price Closed Sales Foreclosure/REO Median Sale Price Closed Sales Short Sale Median Sale Price

2022

2023

Traditional

2024

Foreclosure/REO

2025

2026

Short Sale

100% 90%

Closed Sales

80% 70% 60% 50% 40% 30% 20% 10% 0%

J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J

$600K

Median Sale Price

$500K

$400K

$300K

$200K

$100K

$0K

J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J

2022

2023

2024

2025

48 | ELEVATE [ SEPTEMBER 2026 ]

2026

Monthly Distressed Market - July 2026 Townhouses and Condos Manatee County

Closed Sales

July 2026

July 2025

Percent Change Year-over-Year

238

201

18.4%

$313,950

$320,000

-1.9%

N/A

(No Sales)

N/A

(No Sales)

N/A

Traditional Median Sale Price Closed Sales Foreclosure/REO Median Sale Price Closed Sales Short Sale Median Sale Price

2022

2023

Traditional

2024

Foreclosure/REO

2025

2026

Short Sale

100% 90%

Closed Sales

80% 70% 60% 50% 40% 30% 20% 10% 0%

J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J

$800K $700K

Median Sale Price

$600K $500K

$400K $300K $200K $100K $0K

J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J

2022

2023

2024

2025

2026

myRASM.com | 49