Accessible Homes: What to Look for and How to Prepare for the Move

Author: Patrick Young  Image: Pixabay

Accessible homes make things much easier for disabled individuals and seniors, but it can often be tricky to find the right one. There are so many factors to consider: location, price, and the home’s ability to take on changes if it doesn’t meet your needs as-is are just a few. There’s also your budget to think about, as well as finding a great mortgage lender who will work with you. When it’s time to look for a new home, it’s absolutely crucial that you start with a great plan, so you won’t be faced with any nasty surprises down the line.

You can get started by making a list of all the things you want in a home. Does it need wide doorways and open spaces for ease of movement in a wheelchair or other mobility equipment? Lowered counter-tops? Bathroom safety features? Think about your specific needs and which ones will be most important to you, both now and in the future.

Here are a few more things to think about when it’s time to look for an accessible home.

Check Your Credit Score

In order to get the best deal on the right home for your needs, it’s imperative that you check your credit score before you do anything else. There are several details that go into financing a home, including your debt-to-income  ratio, how much credit you have, and your down payment amount (some loans, like an FHA loan, offer low down payments and less stringent qualification requirements).

Having a great score isn’t enough these days to secure a loan; you also need to have built up enough credit to show the lenders. Do a little research online and get familiar with the requirements — and myths — that come with securing a home loan. Getting a copy of your credit report  will help you figure out what you need to concentrate on as far as taking care of outstanding debts. Try to be patient; it can take some time to raise your score.

Location Is Important

When it comes to buying a home, location is always important; the school district, proximity to doctors, friends, and family, and neighborhood  are all things you’ll want to look at before making a decision. Every person living with a disability has different needs, so consider the things that will make your life easier. If you don’t drive, for instance, you may want to look for something that is within walking distance to the places you frequent.

Look for Modification Possibilities

 There are many homes out there that have been made accessible for various abilities, but you may find a home you love that doesn’t already have those changes. If it’s within your budget, you might be able to make the modifications yourself, but it’s important to do a little homework first. Find out whether the sellers will be willing to lower the price and get an estimate of the amount it will take to add the things you need. Bigger changes might include widening doorways, adding a walk-in shower, or pulling up the carpet and adding hardwood or laminate flooring to prevent falls. Smaller modifications might involve painting, changing out knobs for handles or easy-to-grasp levers, or installing grab bars in the bathroom.

Prep for the Move

Moving is always a big job, but with the right preparations, you can ensure that everything goes smoothly. Declutter your home before you start packing and keep everything organized and neat once you start boxing things up, so you don’t risk an injury. Finding and securing the right movers will also be helpful during this time, and you should also check to see if you qualify for  financial assistance for home modifications.

Finding the right home for your accessibility needs may take some time, so give yourself plenty of breathing room. Start planning early in order to reduce stress during the process and ask for help from friends and family when it’s time to move. Staying safe is a priority, and with some assistance, you can make the process an easy one.

Need help finding a home that is either can adapt to the needs of  person living with a disability or wheel chair friendly? Give us a call we are ready to help you. Eileen and Bill Kedersha One Sotheby’s International Realty, Fort Lauderdale and Weston FL 954-561-4100 or Ekedersha@OneSothebysRealty.com

Recession Fears may be Exaggerated

The Housing and Mortgage Market Review (HaMMR) by Arch Mortgage Insurance Company has found that Housing Market Trends are now nearly the complete opposite of conditions in the months prior to the Great Recession, according to Dr. Ralph G. DeFranco, global chief economist for Arch Capital Services.

Research on how past recessions affected home values shows current conditions will have a less severe impact on housing than the recession in 2008 did. DeFranco says “A recession is inevitable at some point, but it’s likely to be far less severe for the housing market than the Great Recession,” He goes on to say that “We estimate that the current market is underbuilt by 1 million or more homes, buyers are more cautious and loan quality is far higher. In 2007, conditions were completely flipped: housing was hugely overbuilt, speculative demand was off the charts and the market was awash with high-risk loan products.”

Franco further states, that the quarterly Arch MI Risk Index, a statistical model based on nine indicators of the health of local housing markets, suggests that the probability U.S. home prices will be lower in two years is 9 percent, an increase from 6 percent in the previous study.

In Florida, an Arch index infographic suggests that Florida home values have only a 6 percent chance of declining in two years. However, a higher risk (25 percent) in Miami suggests the chances are even lower in the rest of the state.

Nationally, the overall risk of a decline in home prices remains better than the historic average of 17 percent. Every state is expected to have positive home price growth over the next two years, continuing recent trends.                                                                                          © 2019 Florida Realtors®

Eileen Kedersha, Broker Associate One Sotheby’s International Realty – Kedersha Group 954-561-4100 EKedersha@OneSothebysRealty.com

 

Fort Lauderdale Cruising
and Dining

Fort Lauderdale is known as the Venice of America. It is truly a waterfront paradise. As you explore the cities many canals you begin to realize the unique status it holds. To see the center of Greater Fort Lauderdale from an completely new perspective, including the fabulous mansions and mega-yachts of Millionaires’ Row, cruise the New River around Tarpon Bend on one of the charted cruises  available. The handsome marinas of the Intracoastal Waterway are in full view and give boaters stunning views in all directions.

If you follow the water west, the meandering Middle River gives you the chance to take in the area at your own pace using perhaps a kayak or on a paddleboard. You can take your pick of scenic waters to explore.

If you want to explore at a faster pace rent a jet ski and power your way around the waterways to find your own favorite spot.

If you would like to dine on the water front Fort Lauderdale most assuredly can accommodate you wishes.

15 Street Fisheries is one of South Florida’s most popular waterfront restaurants for nearly forty years offering 2 types of dining. Its award-winning cuisine upstairs, served in a charming suite of nautical-themed dining rooms, and the ever popular casual family fun found downstairs featuring lunch, dinner and drinks in an open-air, dockside setting, the Fisheries is extremely popular with locals and visitors alike. Adults and children alike enjoy walking the boardwalk and feeding the fish. 
1900 SE 15th St. Fort Lauderdale, FL 33316 954-763-2777

Blue Moon Fish Company is Chic waterfront restaurant located on the Intracoastal Waterway serving creative fresh Florida cuisine. Deco-inspired exterior, contemporary American menu. Gospel brunch on Sundays 11:30am every Sunday $30, includes one bloody mary, mimosa, or champagne.
4405 W Tradewind Ave. Lauderdale-By-The-Sea, FL 33308 954-267-9888

 

Eileen Kedersha, Broker Associate One Sotheby’s International Realty – Kedersha Group 954-561-4100 EKedersha@OneSothebysRealty.com

Eileen Kedersha, Broker Associate, EKedersha@OneSothebysRealty.com
William Kedersha, WKedersha@OneSothebysRealty.com
One Sotheby’s International Realty – Kedersha Group
Your Trusted professional real estate agents serving our clients for over 25 years
954-561-4100 800-696-3100 Fax 888-954-3535

https://www.sfloridaluxuryhomes.com/

 

 Comprehensive Buyer or Seller’s 65 Pages Each

Information Guides       

Available for a Limited Time Only     

Download Your FREE Copy Now 

Would you like to update your current property value or your neighbors? Just click Home Valuation Report!

Kedersha Group One Sotheby’s International Realty

Eileen and William Kedersha
954-561-4100 or Luxury@sFloridaLuxuryHomes.com | www.sfloridaluxuryhomes.com

 

DELIVERING IN FALL 2019
Experience the beach with gardens and sea, exquisite dining and unparalleled service. 

 

Easily discover why the beach here is just the beginning of many fond new memories. 

“ELEGANCE  IS NOT ABOUT  BEING NOTICED,  IT’S ABOUT BEING REMEMBERED.” 

Giorgio Armani

 

ABOUT THE RESIDENCES: LOCATION: SUNNY ISLES BEACH


Set along countless miles of soft white sand at the edge of the Atlantic Ocean on a barrier island, Sunny Isles is the jewel of South Florida’s internationally renowned coastline. Just a few minutes from the tony shopping destinations in Bal Harbour and a short distance from the excitement of South Beach and Downtown Miami, it is also a world apart defined by relaxed sophistication.        
Read Full ArticleNearby, The Shops at Bal Harbour offers a truly luxurious collection of the world’s finest fashion, fine jewelry, and designer home boutiques along with cafés and formal and casual restaurants. Other top dining destinations just minutes away offer fine Italian, Asian, and American cuisine. Residents who wish take full advantage of the tropical seaside lifestyle will discover ample opportunities for snorkeling, swimming, windsurfing, and sailing.  

RESIDENCES FEATURES

Private high-speed elevator access to most residences.
Breathtaking Atlantic Ocean and city views through floor-to-ceiling windows.
Eight-foot-high double-door entry to a spacious foyer in select units.
Spacious interior floor plans with elegant smooth-finish ceilings rising to 10′ *
Expansive 10′ deep private balconies with glass railings in all residences.
Summer kitchen with under-counter refrigerator in all residences.
Recessed lighting in select corridors and bathrooms.
Intelligent climate controls with digital thermostats.
Large capacity full size washer/dryer in all residences.
Marble stone floors.
*(slab to ceiling, except where required to accommodate mechanical equipment)
Smart building technology provides seamless access to select building amenities.
All residences pre-wired for audio speakers as well as motorized drapes and programmed lighting controls in select locations.
Premium European-designed cabinetry.
Elegant imported stone counter-tops and back-splashes.
Sub-Zero refrigerator and wine cooler.
State-of-the-art Wolf appliances.
His and hers bathrooms in select residences.
Designer sink fixtures.
Spa-inspired shower with wall-mounted handheld spray and large rain-shower.
High-performance toilet with integrated bidet technology.
Stone-topped vanity with designer fixtures.
 

Sotheby’s International Realty® Brand Exceeds Record Global Sales Volume for 2018

In the United States, the Sotheby’s International Realty brand achieved more than $100 billion USD in 2018 sales volume. 2019 continued significant growth by the brand’s existing affiliate companies through talent attraction as well as mergers and acquisitions. Most notably, the brand increased its market presence in Essex and the Acton-Boxborough area of Massachusetts; Greater Portland, Oregon; and Nashville, Tennessee. The brand also entered several key new markets last year, namely, Bandon, Oregon; Huntsville, Alabama; the Sandhills Region of North Carolina; Mendocino, Fort Bragg, and Ventura, California.

Read full article

Outside the United States, the Sotheby’s International Realty brand achieved more than $12 billion USD in sales volume in 2018 while continuing to expand into key markets. In Europe, the brand grew its presence in Menorca and Madrid, Spain; Sylt and Bern, Germany; Kitzbühel, Austria; Zurich, Switzerland; and Slovakia. The brand also sold the rights to the island country of Cyprus. In Asia, new offices were opened in Colombo, Sri Lanka; and Bangkok, Thailand, and agreements were signed to expand into Jakarta and Bali in Indonesia, and Ho Chi Minh City and Hanoi in Vietnam and the Maldives. The brand also saw growth in Mexico City, Mexico; the Metropolitan area of Puebla; Valle de Bravo and Malinalco in Estado de Mexico; and Cuernavaca and Tepoztlán in Morelos.

With the launch of new technology and tools, Sotheby’s continues the tradition of always aiming to provide industry-leading levels of service that sales associates affiliated with Sotheby’s International Realty around the world are known for.
Eileen Kedersha Associate Broker 954-462-3600
William Kedersha Estate Realtor 954-817-2900
www.sFloridaLuxuryHomes.com
Info@sFloridaLuxuryHomes.com

Filing for Florida Homestead in 2019… 

The TIMELY Filing Deadline is Approaching! 
The timely filing period for Homestead Exemption for 
2019 is March 2, 2018 through March 1, 2019. The absolute deadline to 
LATE FILE 

 for any 2019 exemption — if you miss the March 1 timely filing deadline — is September 18, 2019. State law (Sec. 196.011(8), Fla. Stat.) does not allow late filing for exemptions after this date, regardless of any good cause reason for missing the late filing deadline.
All legal Florida residents are eligible for a Homestead Exemption on their homes, condominiums, co-op apartments, and certain mobile home lots if they qualify. The Florida Constitution provides this tax-saving exemption on the first and third $25,000 of the assessed value of an owner/occupied residence. While a complicated formula is used to explain this — as the additional $25,000 only applies to the non-schools portion of your tax bill. Read More
   
The basic homestead exemption saved a Broward homeowner in 2018 anywhere from $658.60 to $1,035.30 (depending upon your city’s millage rate) in annual tax savings for all homes with a value of $75,000 or higher.
  
Homeowners are entitled to a Homestead Exemption if, as of January 1st, they have made the property their permanent home.   By law, January 1 of each year is the date on which permanent residence is determined
  
Homeowners may file for Homestead ONLINEby going to bcpa.net in Broward County, and clicking the large yellow button in the navigation menu on the top left side of the page.  Homeowners  may also file by visiting the Property Appraiser’s office at 115 South Andrews Ave, Room 111, Ft. Lauderdale or at one of the County’s community outreach events, (visit BCPA.net website for calendar dates and locations).
  
What You Need When Filing for Homestead
When filing an application you must bring the following items listed below. To claim 100% coverage, all owners occupying the property as Tenants in Common (i.e., proportional share co-owners) must file in person on jointly held property. In the case of a husband/wife (“Tenants by the Entirety”) or Joint Tenants with Right of Survivorship (“JTRS”), any one owner may qualify for 100% coverage — although it is always highly advisable to have all eligible owner-occupants to file.
  1. Proof of Ownership:
  In general, the recorded Deed or Co-op Proprietary Lease must be held in the name(s) of the individuals applying for Homestead. You do not need to bring a copy of the deed or co-op lease if the document has already been recorded in the Official Records of Broward County. If the PROPERTY IS HELD IN A TRUST, WE ALSO NEED EITHER A NOTARIZED CERTIFICATE OF TRUST ORA COMPLETE COPY OF THE TRUST AGREEMENT. Note: Most taxpayers prefer to use the simple Certificate of Trust form, instead of submitting the entire trust for our review, as it better protects the privacy of your estate planning and other financial matters.
 
  1.   Proof of Permanent Florida Residence — preferably dated prior to January 1 of the tax year for which you are filing — is established in the form of:
    1. FOR ALL APPLICANTS: Florida’s Driver’s License (or — for non-drivers only — a Florida I.D. Card) is REQUIRED. Note: You must surrender to DMV any out-of-state regular driver’s license. You MUST also have either of the following:
      1. Florida Voter’s Registration; or
      2. Recorded Declaration of Domicile.
    2. FOR NON-US CITIZENS, you MUST have the items listed above AND proof of permanent residency, asylum/parolee status (or other “PRUCOL” status); OR proof you are the parent of a US-born (US Citizen) minor child who resides with you.
  1.   If you or your married spouse have a Homestead Exemption in any other county, state or country
(or an equivalent permanent residency-based exemption or tax credit, such as New York’s “S.T.A.R.” exemption) on another property you also currently own, you will NOT be eligible for a homestead in Broward until after you surrender the exemption in that other jurisdiction. 
If you maintain an exemption on another property elsewhere it is FRAUD!
The State-approved application form requests certain information for all owners living on the premises and filing:
  •  Current employers of all owners
  •  Addresses listed on last I.R.S. income tax returns.
  •  Date of each owner’s permanent Florida residence.
  •  Date of occupancy for each property owner.
  •  Social Security numbers of all owners filing.
  • Social Security number of any married spouse of the applicant, even if the spouse is not named in the deed and is not filing).
Note: The amount of the homestead exemption protection granted to an owner residing on a particular property is to be applied against the amount of that person’s interest in the property. This provision is limited in that the proportional amount of the homestead exemption allowed any person shall not exceed the proportionate assessed valuation based on the interest owned by the person. For example, assuming a property valued at $40,000, with the residing owner’s interest in the property being $20,000, then $20,000 of the homestead exemption is all that can be applied to that property. If there are multiple owners, all as joint tenants with rights of survivorship, the owner living at property filing receives the full exemption.
  
This information was taken from the BCPA. net website.