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Flood Insurance in St Petersburg and Pinellas County Florida

Saint Petersburg waterfront

St Petersburg waterfront


Many clients have been asking for an update on flood insurance here in St Petersburg and Pinellas County. Here’s what we know:

In Washington:  on Monday the US Senate voted 86-13 TO BEGIN DEBATE on delaying flood insurance rate increases for 4 years. Both the White House and House Speaker John Boehner have expressed opposition.

In St Petersburg: in one waterfront neighborhood, Broadwater, there were 3 waterfront home sales between October 1st, when the flood insurance rate increases began, and the end of 2013.  All three were cash, which means the buyers had the option of not buying flood insurance and “self-insuring”. The one waterfront sale this year in Broadwater, which we successfully marketed, closed with a conventional loan, which meant flood insurance was required. The premium for that house, built in 1973, was $914.00 (not through Citizens) – which was less than the Seller had been paying. We obtained a new quote on a Broadwater waterfront home built in 1981 and it was less than $1,000.

Call The Simms Team at (727) 898-2582 if you’d like more information on flood insurance (or email them at info@SimmsTeam.com  For representation in buying or selling a home, contact The Simms Team with Coastal Properties Group, affiliate for Christie’s International Real Estate.

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Broadwater waterfront homes Market Update 2-1-2013

Broadwater waterfront home sold

Broadwater Waterfront Home Sold

Broadwater waterfront home sales in St Petersburg Florida were off to a good start in January, with 3 waterfront homes sold:
3 bedroom 2 bath pool home 1,693 sq ft sold for $415,000
3 bedroom 2 bath pool home 2,200 sq ft sold for $440,000
3 bedroom 3 bath pool home 2,587 sq ft sold for $625,000   (built in 1980, vaulted ceilings, fireplace, remodeled)

There are 4 waterfront homes actively on the market in Broadwater, ranging from $389,900 to $650,000.

As for Broadwater nonwaterfront homes, there was one sale in January, a short sale for $292,500 with 4 bedrooms 2 baths a pool and 1,984 sq ft. There is one active listing, a 2 bedroom 2 bath pool home with 1,498 sq ft, offered for $225,000.

Call or email Sharon to represent you in the sale or purchase of a waterfront home in Broadwater – she’s been selling there for 20+ years and living there for over 18 years.  Sharon knows Broadwater!


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Broadwater waterfront homes Market Update 1-1-2013

Broadwater yacht basin

Broadwater yacht basin


Broadwater waterfront home sales had a better 2012 than 2011. Both years saw the same number of sales, 19 waterfront homes sold. The average in 2011 was $435,868 and in 2012 rose to $449,132, which is a 3% increase. The average price per square foot in 2011 was $185 and in 2012 it rose to $193/sq ft, an increase of 4%. The highest sale in 2011 was $850,000 and in 2012 it was $985,000. Two non waterfront homes in Broadwater sold during 2012, one for $205,000 and the other for $323,000.

There are currently six homes listed for sale in Broadwater. Five of them range from $375,000 to $650,000 and the other is an estate listed at $3 Million.

Call or email Sharon to represent you in the sale or purchase of a waterfront home in Broadwater – she’s been selling there for 20+ years and living there for 19 years.  Sharon knows Broadwater!




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Patio, porch, lanai, veranda: What’s the difference?

 Homes in St Petersburg and all around Florida often advertise a patio, porch, veranda or lanai. What’s the difference between them?

A patio is typically an outdoor space adjacent to a residence that is paved and does not have a roof. It may use pavers, brick, stone or concrete (if it’s made of wood, it would typically be called a deck). It’s used for relaxing, recreation or dining. In Spanish style homes it may refer to the interior courtyard. Many masonry homes in the St Petersburg area will have patios, especially smaller ones.

A porch is an extension to the exterior of a house, generally at the same level as the floor inside. It usually has a wood floor and generally has a roof. It may be on the front, back or side of the home and a home may have multiple porches. The sides may be open, screened, glassed or have lattice. It can be utilitarian, to protect you from the elements while you’re waiting to enter the home or a place to take off your boots or garden shoes; it can be the size of a room, with furniture for relaxing or dining. The materials and style are generally compatible with the house it’s attached to. Frame homes in older St Petersburg neighborhoods like the Old Northeast and Kenwood will typically have porches.

A veranda or verandah may be a large porch that’s a room for entertaining or it may be a gallery running along one or more sides of the home, roofed, perhaps with a railing. Often a verandah will wrap around a house – think Victorian or New Orleans style here – perhaps on the front and both sides. Verandas aren’t as common in St Petersburg but there are occasional Victorian style homes and some of the 1920s Mediterranean style homes will have them.

A lanai is less frequently defined, and often as a roofed porch or verandah. Actually it’s the Hawaiian word for patio or balcony. In Florida we wouldn’t use lanai for a balcony. A lanai is a typical term in a tropical climate and generally is furnished like a room. It may have removable panels of glass, screen or plastic and would usually have a hard surface floor, similar to a patio. Lanais are found in many St Petersburg neighborhoods – think of the masonry waterfront homes in Venetian Isles, Broadwater and Yacht Club Estates.

Like so many terms, these will mean different things in different parts of the country. Not only that, even in the same city you’ll find the terms aren’t used consistently. In St Petersburg real estate the terms patio, porch and lanai may be used to describe the same space, depending on who is doing the describing. 

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St Petersburg Waterfront Neighborhoods: Broadwater Market Update

 A popular waterfront neighborhood in St Petersburg is Broadwater, located in southwest St Petersburg on Boca Ciega Bay, west of I-275 and north of the Maximo Marina Channel. Most of the homes are on sailboat water. Broadwater residents like the convenient location, 15 minutes from downtown St Petersburg and 15 minutes from the beaches. They also like the boating location: getting from Broadwater to the Gulf of Mexico is easy and fast and there are dozens of restaurants nearby where you can dock your boat.

Broadwater Market Update for January 2012:

Five Broadwater waterfront homes were on the market at the end of January, ranging in price from $475,000 to $3,500,000. Three Broadwater waterfront homes sold (closed) during the month of January, ranging from $300,000 to $380,000.

Two waterfront homes in Maximo Moorings, south of the Maximo Channel, are on the market, ranging in price from $490,000 to 495,000.

For more information on

  • Waterfront homes for sale
  • Waterfront homes that sold recently
  • Buying a waterfront home
  • Selling a waterfront home

please call 727-898-2582 or email The Simms Team at ALVA International, Inc.



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Broadwater waterfront homes – Market Update 10-15-10

Broadwater,  Boca Ciega Bay and the Gulf of Mexico

Broadwater, Boca Ciega Bay and the Gulf of Mexico

Broadwater waterfront homes – Market Update October 15, 2010
St Petersburg, Florida

Currently there are 10 Broadwater waterfront homes available to buy, ranging from $449,900 to $1,200,000. There are two Broadwater waterfront homes under contract – both are short sales and are listed at $397,900 and $399,000.

So far in 2010 there have been 11 closed sales of waterfront homes in Broadwater, ranging from $275,000 to $750,900. The median sale price was $360,000 and the average was $425,173.  Four of these were short sales and none were bank owned properties.

Looking back to the boom years, in 2006 prices ranged from $475,000 to $1,347,500. In 2007 prices ranged from $545,000 to $980,000.  This year only 2 sales out of 11 were over $500,000. The average drop in value has been from 35% to 40%.

Broadwater is as desirable a waterfront neighborhood as it has ever been – convenient location on the mainland side of Boca Ciega Bay, 10 minutes to downtown, 10 minutes to the Gulf Beaches, and 20-30 minutes from the Tampa International Airport. No fixed bridges to the Gulf, quiet neighborhood, great neighbors.

Contact  Sharon Simms to buy a waterfront home in Broadwater while prices are still low.

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Who wants a fence?

Former Knight’s Inn now fenced off

The neighbors want a fence!  This former Knight’s Inn is at one of the entrances to Broadwater, a great waterfront neighborhood in St Petersburg. The building had deteriorated and illegal activities were going on. Finally the motel, once a Holiday Inn, was shut down as a health hazard.

There have been signs of improvements – furniture has been taken out of the rooms and sold and now this fence has gone up on two sides of the property.  The neighbors were happy when a chain link fence went up to shut off the building, and are even happier with this new solid fence.

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Waterfront home in Broadwater closes at $310,000

Broadwater neighborhood St Petersburg Florida

Another waterfront home sold in Broadwater – at a bargain basement price of $310,000. The home has 3 bedrooms, 2 baths, and a 2 car garage, a screened pool and a dock. It has a good location and a solid floor plan – needs upgrading, of course, at that price. It has been vacant for several months, and was in the hands of a Guardian – but not a short sale, and not a foreclosure. Five additional waterfront homes are currently under contract in Broadwater.

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