A Community Interactive Blog For Owner Occupied Homes

This website is dedicated to all the people who own homes and live in them. People who own homes and live in them have a vested interest in them. To a lesser degree those people who own homes here but rent them out can be landlords or to some extent renting out their homes for a season. The latter group is more like the occupied group whereas the investor is in it for a monthly or yearly profit and does not have day to day relationship with home and thus may have a different perspective how the home should or will be maintained.

The Investor is in business to make money, the occupied homeowner lives in the home and has a certain pride and sees their homes as a work in progress and often pays particular attention to long term details.

So you made a plan and took action. You found the perfect  home and you’re ready to live in it. Now that you’ve signed on the dotted line, how does “renter”  differ from “owner” you?

1. You start caring about your neighbors

When renting, it’s not uncommon to keep to yourself and not bother with introductions to anyone else in your building. Why make the effort? After all, your new neighbors are probably moving soon anyway, and this way, you can avoid the laundry room small talk.

But after purchasing a home, getting to know your neighbors might suddenly feel like a high priority. While not every backyard buddy is Wilson W. Wilson material, it’s good to know that in a pinch you have someone to water your flowers or offer advice on the most trusted handyman. What good is a beautiful block if you don’t know at least a few people at the annual party?

2. You’re suddenly an equity-building ninja

As a renter, the concept of building equity may have felt as though it was out of reach. If you overheard the phrase at happy hour, you’d think, Eh – don’t need to worry about that yet.

But now you’ve got skin in the game! Equity building may sound scary, but by making the leap from renting to owning, you’ve also taken a huge step toward investing in your financial future. So keep your eye on property values and perk up your ears when someone mentions cost-conscious home improvement projects — you can expect a major ka-ching down the road!

3. You have a new definition of “weekend warrior”

Rolling into brunch at 11 a.m. for a couple of bloody marys may be a recipe for a great weekend, but as a new homeowner, you likely have a few more agenda items on the weekend to-do list.

Many first-time buyers don’t have the budget to get a perfectly move-in-ready home, which means laying flagstone pavement and edging the path in your burgeoning backyard oasis might end up being your responsibility. Whether you’re DIY-ing solo or together, dedicating at least one day a month to home improvement projects is an easy way to transition into home ownership.

4. You’re planting roots

Renting has its benefits, but becoming a master gardener isn’t one of them. Unless you really hit the rental jackpot, most renters are satisfied with a microterrace, a tidy little herb garden, matching pots, and a bistro table for late-afternoon reading. Perfect!

Now that you’re fully embracing the owner lifestyle, invite all your neighbors over and show off your handiwork. See you at the housewarming!

Posted in Uncategorized | Tagged , | Comments Off on A Community Interactive Blog For Owner Occupied Homes

House Of Shame

This house has been vacant for years- The owner left with all his things in there and there has been several burglaries under bank ownership. The bank at least cut the grass (only) while they had it. Now the new secret owner has done nothing for months. OctoberHouses 024OctoberHouses 025The house is prime time for Halloween!  Grass is never cut, bushes overgrown. trees need major trimming, vines climbing the walls green and black mold everywhere, piles of leaves. Notice the black sidewalk with the “C” on it! A neighbor got sick of looking at the black driveway and cleaned it about 6 months ago. Where is the HOA?

Posted in Uncategorized | Leave a comment

Example Of Less Than Stellar Service From The HOA

As an American citizen and a property owner of Random Oaks you have every right to enjoy your property. You payed a fee for the HOA to respond to your complaints and concerns. You have right to be treated fairly and with respect since the HOA is being funded by you, but often times you might might be met with rude people, reception people who don’t listen and give out answers that are less than professional as with the case of Tom and Judy Cannon who lived here for 10 years, they both worked as an administrator to the provost, and registrar respectively of Clear Water Christian college.

Both of them are moving towards the mission field.

This family had to move and were surprised that after they sold there house that they had to pay an exorbitant fee– to which, I allege and contend to be an arbitrary and capricious amount of money in the amount of $200.00 for a simple form to completed by the HOA called an estoppel letter. (legal citation omitted) as they were leaving. YOU DON”T PAY- YOU DON”T CLOSE.

The law allows for them to charge a “fee” but there is no other qualifier. HOA’s have taken advantage of this vague law to GOUGE people who are moving away. There is no justifiable for this unreasonable cost that more than likely takes 20 minutes to produce, there is no lawyer involved, this letter is done during the normal course of the business day by hourly employees which the above couple pays dues for.

Having set up the story pursuant to their own account, they called twice to get clarification on the rational for such an exorbitant/unconscionable fee. Mrs. Cannon was met by (NAME DELETED) with an unpleasant person who promptly said paraphrasing ” This is passed on to us because of the title company” –NOT TRUE. Then it was “Because most HOA’s do it”  then “This was the amount established by the HOA committee” Obviously none of these answers the question of why does it cost so much.  Mrs. Cannon being highly educated pursued this line of questioning in a second call, not being satisfied with the first. Mrs. Cannon tried to contact the person who handles Random Oaks but that person was not in and wound up with same person as the first call.

Apparently the phone receptionist (NAME DELETED) was put off/offended and got defensive by the additional line of questioning and got increasingly agitated. Now, I can vouch for this family since they are long time members and Deacons in a local Baptist church – they don’t have an unkind bone in their body.  She said it got to the point that the management person started laughing at her an mocking Mrs. Cannon where she said she would pray for her and ended the call. The Cannon’s told me that they are going to seek assistance from Channel 8 TV’s investigatory team to look into the matter.

No way, no how does anyone at the HOA should ever treat people badly, but unfortunately it’s not limited to one person. I have heard many stories. CannonCert: –To be added

FL Stat 2015

720.30851 Estoppel certificates.Within 15 days after the date on which a request for an estoppel certificate is received from a parcel owner or mortgagee, or his or her designee, the association shall provide a certificate signed by an officer or authorized agent of the association stating all assessments and other moneys owed to the association by the parcel owner or mortgagee with respect to the parcel. An association may charge a fee for the preparation of such certificate, and the amount of such fee must be stated on the certificate.

(1) Any person other than a parcel owner who relies upon a certificate receives the benefits and protection thereof.
(2) A summary proceeding pursuant to s. 51.011 may be brought to compel compliance with this section, and the prevailing party is entitled to recover reasonable attorney’s fees.
(3) The authority to charge a fee for the certificate shall be established by a written resolution adopted by the board or provided by a written management, bookkeeping, or maintenance contract and is payable upon the preparation of the certificate. If the certificate is requested in conjunction with the sale or mortgage of a parcel but the closing does not occur and no later than 30 days after the closing date for which the certificate was sought the preparer receives a written request, accompanied by reasonable documentation, that the sale did not occur from a payor that is not the parcel owner, the fee shall be refunded to that payor within 30 days after receipt of the request. The refund is the obligation of the parcel owner, and the association may collect it from that owner in the same manner as an assessment as provided in this section.
Posted in Uncategorized | Tagged | Leave a comment