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INFO: 239-825-5635 or rl@naples.net

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North Naples Eagles re-build after Irma

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Male eagle drops another piece of the new nest in this long-time eagle habitat off Vanderbilt Drive.

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Info: changes in credit score math

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When people talk about their credit score in the context of a home loan, they generally are referring to the number provided by the Fair Isaac Corporation — known as FICO. That index isn’t changing.

However, three other credit tracking entities, Equifax, Experian, and Trans-Union, together operate VantageScore — and that is the one that is being tweaked in at least two important areas. One relates to closing inactive accounts — which had been at least informally known to affect credit scores negatively because one’s rating was based on current debt as a ratio of the total credit available. In the future, closing unused credit lines may affect credit scores positively or not at all.

In a more important way, the new formulas will assess ‘trending’ on the total debt — meaning one will be rated at least partially on whether the amounts owed are collectively going up or down. Those who are paying debt down will likely be looked upon as less risky than people who are still piling it on.

Read more here or here.

 

Photo: The legendary “Green Flash” sunset

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Digital simulation of "The Green Flash"

Digital simulation of “The Green Flash”

Fact: Is Naples huge or small?

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The term “Naples” applies to two vastly different areas. Legally, Naples is a small incorporated city in the very south-western part of Collier County. Its population was estimated last year to be 20,600. It’s what we locally call “downtown” and includes some very luxurious waterfront communities such as Port Royal, Aqualane Shores, Park Shore, and The Moorings. Naples is but 14.4 of the 2025.5 square miles of Collier County — about 7 tenths of one percent!  More: Read the rest of this entry…

Photo: City Docks, Naples

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City Docks, Olde Naples

City Docks, Olde Naples. Now closed for repairs and upgrades until early 2018.

Photo: Community School of Naples

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A new administration and dining facility adorns the CSN campus on Livingston Road.

Photo: Park Shore, still at the pinnacle of prestige and luxury!

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Atrium at the Savoy in Park Shore

Trending: larger garages.

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I’ve heard estimates of up to one hundred as the number of new communities, assisted care facilities, and rentals coming out of the ground here in Naples. Driving by and through those that feature new home construction, one trend is apparent: more three-car garages than ever before. About one in four new houses offer more than two spaces.

Is that because families own more cars today than in the past? Statistics seem to refute that: fewer than one in five homes have to deal with three or more cars, only a small increase over 25 years ago.

One in three buyers now shop for listings with three-car garages, while half prefer two spaces. The one car garage is the choice of only one in 10 buyers.

Reasons are many, but one factor locally is the increasing number of multi-generational homes with either a young person returning home after college or children taking care of aging parents.

Source: “America Is Building More Three-Car Garages Than One-Bedroom Apartments,” Bloomberg (Oct. 26, 2016) and “Garages in New Homes: 2015 Data,” National Association of Home Builders (Oct. 21, 2016)
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Photo: It’s a buyer’s market for spectacular water views.

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With views like this, who needs television?

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Info: time needed to sell a home

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According to the National Association of Realtors®, the average time a listing remains on the market is just over one month. That’s down significantly from a year ago.

The report also reveals the average time to close on a home loan was a bit longer — about 8 weeks. That figure is also a bit shorter than in the recent past.

However, one statistic is heading upward: the median price of a home is up nearly 7% from a year ago. All in all, a very healthy market — except perhaps for those who are “sitting it out.”

 

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Photo: Estero Bay

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One of the most scenic rides in the state: Hickory Boulevard, connecting North Naples to Fort Myers Beach.

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Photo: WAVV 101 — Naples’ top rated station for over 20 years.

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One thousand feet of antennas broadcasting entertainment and critical communications from the geographic center of Collier County.

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Info: Beach Access

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Can it occasionally be difficult to find parking reasonably close to a stretch of white sand beach and aqua-colored water? Sure, but mostly at predictable times such as high season holiday weekends.

Both Florida state law and local ordinances are heavily tilted toward easy access for all residents and visitors — assuring the global treasure that is our coastline is enjoyed universally.

Our beaches can also be enjoyed in air-conditioned comfort. I invite anyone to challenge my claim that the stretch of road from Bonita Springs to Ft Myers Beach — through a series of keys and over tropical toned passes — is one of the most visually appealing in the entire country.

Need a little ‘insider’ information on where to find beach parking on any day of the year? Contact me!

My user name is rl and the account is @naples.net

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Rentals: what to expect.

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With the 2017 ‘season’ now officially complete, seasonal renters are either renewing for next year or seeking to upgrade in a market that is reputed to be ‘very tight.’ As with most things, it’s all relative. A search of the local MLS-controlled public access sites for a January and February rental at a rate of between $2,000 and $4,000 per month in Naples, Marco, Ft Myers Beach, and Bonita-Estero — reveals about 100 properties.

Is that all there is? Well, no. More: Read the rest of this entry…

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Photo: Caloosahatchee River sunset

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Under $400K for this Gulf access view!

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