Agents July 24, 2023

Agent Spotlight: Realtor Misael Galvao

Realtor Misael Galvao was born in Parana, Brazil, and raised in Tampa, where he graduated high school from Gateway Christian Academy. In fact, Misael is a youth leader at Gateway Christian Church, where he helps kids and young adults with their personal, spiritual, and emotional lives.

 

Misael carries the same passion for fellowship into his real estate profession.

 

“I am very passionate about everything that I commit to,” said Misael. “I’m a big people person and will always put others before myself. I am a great leader and delegator, and I am hard working.”

 

Prior to his real estate endeavor, Misael owned a pressure-washing company. Owning his own small business gave Misael great insight into customer service and effective management, marketing, and leadership that he brings to his real estate clients.

 

“Although this world is constantly changing, people will always need a place to live,” Misael said. “I am excited to commit my time and effort to helping people.”

 

In his spare time, Misael enjoys music and playing instruments. He previously gave drum lessons as a professional drummer. Misael also competed in a fine arts contest in high school and placed third nationally in the brass solo category.

 

In addition to enjoying fellowship with his friends and family, Misael often goes to the streets to give food and support the homeless. He understands the importance of giving back. In 2007, Misael came with his parents and brother from Brazil to start a new life in Tampa.

 

Interested in working with Realtor Misael Galvao? Learn more here.

Insurance July 18, 2023

What’s Going on With Florida Homeowners Insurance? We’ve Got the Latest Info

The Florida homeowners insurance market remains challenging. Pineapple Insurance breaks it all down and what it means for you.

 

Recent Developments in Florida Homeowners Insurance

  • Eight homeowners insurance companies were taken into receivership by the State of Florida – the most recent being United Property and Casualty in March of 2023.
  • Farmers Insurance has announced that it would no longer write homeowners insurance in the state and has now informed the Florida Office of Insurance Regulation of its intention to leave the state for all personal lines (auto, home, and umbrella insurance.)
  • Multiple carriers have restricted new business capacity, initiated non-renewals, and have taken some rather large rate increases to combat rising costs, principally related to litigation and inflation (labor and materials).
  • Citizens, which is the state-run insurer of last resort, has Policies in force (PIF) of 1,317,174 as of June 30, 2023.
  • Lastly, the forecast for the 2023 NOAA hurricane season is anticipating 12–17 total named storms in 2023, 5–9 of them could become hurricanes, of which 4 could become a major hurricane.

 

Florida Homeowners Insurance Reform

To combat these challenges, the Florida Legislature held a special session in December to provide meaningful reform, which the governor has signed into law. The purpose of the reforms is to:

 

  • Stabilize the personal homeowners insurance market by allowing carriers to better estimate their future costs.
  • Reduce frivolous lawsuits and unnecessary litigation, thereby reducing costs for insurance companies and, ultimately, the consumer.

 

These reforms should bring about market stabilization. The next 12 to 24 months will continue to be challenging as carriers implement these changes and attorneys test the reforms. The Florida Personal Lines property insurance market has faced similar challenges in the past and has always found solutions.

 

The Future Outlook of Florida Homeowners Insurance

We strongly recommend that each of you have a flood policy. Only 1 out of 4 homes in Florida have flood insurance. Much of the damage that was caused by Hurricane Ian was attributable to floods (rising waters and storm surges), which are not covered by your homeowners insurance policy.

 

If you have a condo, you will need to have a standalone flood policy to cover the repairs needed for your condo unit (walls in) as well as your personal contents. When the storm is in the Gulf, it is too late to purchase as the Federal flood program has a 30-day wait period. The time to act is now.

 

If you have any questions, if we can be of assistance, or if we can review your existing coverages for your home, flood, auto, or umbrella policies, please contact Pineapple Insurance at 813-438-7240 or visit us at pineappleinsure.com for important reference information or to request a quote or contact. Stay safe.

Agents July 13, 2023

Agent Spotlight: REALTOR® Stephanie Brown

Born and raised in Lakeland, REALTOR® Stephanie Brown attended Florida Southern College. There, she earned a BA in mass communication and later attended Syracuse University, where she received her master’s degree in advertising.

 

Stephanie spent 27 years in advertising, media, and design. She has owned and managed several Airbnbs for years and is also the co-founder of Doggondiments for dogs. Her unique background in short-term rentals, expertise in marketing and advertising, and deep knowledge of and connections to the Tampa Bay area give Stephanie an extraordinary skillset.

 

“I built my first career helping entrepreneurs acquire customers and build their businesses,” said Stephanie. “Then I built a vacation rental business in real estate to help build a lifestyle and wealth. Understanding how important one’s home is to building a happy life and how investing in real estate can transform one’s financial outlook, I developed a passion for helping people acquire their dream homes and achieve their real estate goals.

 

Having personally purchased 10 properties, Stephanie deeply understands real estate investment analysis and analyzes real estate deals for short-term and long-term rentals for personal investments. She can explain complicated concepts and is familiar with processes that need to be completed on each project or sale. Plus, she is a great listener, good with numbers, and deadline driven.

 

“I like to help people,” said Stephanie. “I advise and help people navigate complicated processes with great attention to detail and thorough communication.”

 

Stephanie spent nine years living and working in New York City. She returned to Tampa in 2004 to be near family still in Lakeland. Some of her previous volunteer work involved working at the Dancing Goat Dairy as a goat nanny and at the Raining Cats and Dogs shelter. As a cancer survivor, she is passionate about finding a way to help other women who have been diagnosed with and are being treated for cancer.

 

She is a huge Buccaneers fan and enjoys attending their games. Stephanie is also passionate about fitness and health. She has run in the Bucs Treasure Chest 5k and the Hot Chocolate 5k. Stephanie and her partner, Mike Altieri, have three beautiful daughters – Jamie (19), Abigail (22), and Cassidy (24), two cats – Tiger and Butter, two bunnies – Hades and Azem, and one Boston terrier puppy – Louie.

 

To work with REALTOR® Stephanie Brown or to learn more, click here for more info.

In the NewsTampa Bay Community July 9, 2023

Tampa Bay Area Among Top Moving Destinations in 2023

A new list of top cities people are moving to this year includes two Tampa Bay cities. PODS Moving & Storage’s customer moving data shows that Florida still holds the No. 1 spot of any state for relocation.

 

Top Tampa Bay Area Spots

Sarasota ranked No. 2, down from the top spot last year, while Tampa dropped five places to ninth. Orlando, Ocala, and Jacksonville are the other Florida destinations on the list at Nos. 3, 4, and 8, respectively. Florida saw the most significant increase in new residents, with six Florida regions earning a spot on the top 20 list.

 

City

Rank

1. Myrtle Beach, SC/Wilmington, NC (6th in 2022)
2. Sarasota, FL (1st in 2022)
3. Orlando, FL (9th in 2022)
4. Ocala, FL (5th in 2022)
5. Houston, TX (12th in 2022)
6. Dallas-Fort Worth, TX (2nd in 2022)
7. Knoxville, TN (7th in 2022)
8. Jacksonville, FL (11th in 2022)
9. Tampa Bay, FL (4th in 2022)
10. Greenville – Spartanburg, SC (14th in 2022)
11. Nashville, TN (3rd in 2022)
12. Melbourne, FL (15th in 2022)
13. Portland, ME (20th in 2022)
14. San Antonio, TX (13th in 2022)
15. Boise, ID (19th in 2022)
16. Charlotte, NC (18th in 2022)
17. Asheville, NC (17th in 2022)
18. Phoenix, AZ (10th in 2022)
19. Savannah, GA
20. Raleigh, NC

 

What the Report Measures

The data analyzes the movement of consumers over the past 15 months, identifying environmental factors behind these trends. Southern states had the most significant influx of people for the second year, with more than 80% of the relocations.

 

Economics was a significant factor in where people decided to move. Lower tax rates, warmer weather, and more affordable housing are also key. Last year, the biggest factor influencing people to move was working remotely and moving to be closer to family and friends. Cities with higher living costs, turbulent weather, and higher crime rates saw the greatest loss in residents.

 

Most Wanted Move-to-Metros

More than 25% of Americans want to relocate to a different metro area, mainly to escape high home prices where they currently live. Last year, it was 23%, and before the pandemic, it was less than 20%. Overall, five Florida metro areas rank in the top 10 go-to cities in the U.S.

 

Top 10 Move-to-Metros in May 2023

1.       Phoenix: Net inflow at 8,100. The top move-from destination is Seattle

2.       Las Vegas: Net inflow at 6,900. The top move-from destination is Los Angeles

3.       Miami: Net inflow at 6,900. The top move-from destination is New York City

4.       Tampa: Net inflow at 9,000. The top move-from destination is New York City

5.       Orlando: Net inflow at 1,400. The top move-from destination is New York City

6.       North Port-Sarasota: Net inflow at 4,900. The top move-from destination is Chicago

7.       Cape Coral: Net inflow at 4,600. The top move-from destination is Chicago

8.       Dallas: Net inflow at 4.500. The top move-from destination is Los Angeles

9.       Sacramento, Calif.: Net inflow at 4,300. The top move-from destination is Chicago

10.     Houston: Net inflow at 63,700. The top move-from destination is New York City

Uncategorized June 28, 2023

Hurricane Season: Is your storm preparation truly enough?

Brace yourselves! Joining forces in this crucial endeavor, the USDA Forest Service poses a vital question: Is your storm preparation truly enough?

 

While the conventional hurricane season spans from June 1 to November 30, it’s high time to formulate a comprehensive plan for those residing and working in hurricane-prone areas. Yet, even for those residing outside these zones, it is an important reminder that natural and man-made hazards can strike unexpectedly. Preparedness, in all its glory, becomes paramount.

To embark on this journey of readiness, begin by acquainting yourself with the potential disasters that could befall your area. Pledge to craft an emergency plan for yourself, your family, and your friends. Familiarize yourself with the state and local emergency management agencies that exist within your vicinity. The resources we provide below are applicable to various types of natural disasters, ensuring your preparedness in any scenario.

Take a glance at a selection of resources to fortify yourself during this year’s Hurricane Preparedness Week:

Know Your Risk: Hurricanes transcend coastal boundaries. Devastating consequences can reverberate hundreds of miles inland, irrespective of the storm’s intensity.

 

  • Identify your threats: Be aware of storm surges, heavy rain-induced flooding, strong winds, tornadoes, and rip currents.

  • Determine if you reside in a flood-prone area.

  • Ascertain if you live within an evacuation zone.

  • Recognize your home’s structural vulnerabilities, with mobile homes and basements often being at higher risk.

  • Proactively procure your disaster supplies to avoid hasty, life-saving preparations just moments before the storm strikes. Remember, supplies may become scarce during those critical hours. Additionally, initiate an early review of your insurance coverage, as flood insurance necessitates a 30-day waiting period.

Forge an Evacuation Plan:

 

  • Strategize your evacuation plan, considering multiple contingencies.

  • Compile essential disaster supplies, such as food, water, batteries, chargers, radios, and cash.

  • Conduct an insurance checkup and meticulously document your possessions.

  • Create a communication plan, including a handwritten list of emergency contacts.

  • Bolster your home’s resilience to withstand the tempestuous forces of nature.

 

Comprehend Forecast Information:

 

  • Grasp the nuances of forecast information before a storm. This wealth of knowledge provides critical insights into the storm’s trajectory, expected rainfall amounts, wind speeds, and more. Above all, it equips you and your loved ones with clear instructions on preparing, monitoring, seeking shelter, or evacuating. For comprehensive information, visit www.hurricanes.gov.

 

Rely on Reliable Sources:

 

  • Leverage forecasts from the esteemed National Hurricane Center and your local National Weather Service office.

  • Familiarize yourself with various alerts and discern the distinction between a Watch and a Warning.

  • Prioritize potential impacts, regardless of the storm’s size or category.

  • Acknowledge that lethal hazards extend well beyond the confines of the Forecast Cone.

 

Know What to Do During the Storm:

 

  • Whether you evacuate or choose to weather the storm in the safety of your home, be fully aware of the perils that lie ahead.

  • Stay vigilant, stay informed by staying abreast of the latest forecasts and alerts, and heed the advice of local officials.

  • Safeguard your abode by securing windows

 

Be sure to schedule time for discussing your home’s flood insurance with your trusted insurance agents at Pineapple Insurance to ensure proper storm preparation ahead of the hurricane season. This will help you be fully prepared for whatever storm-related challenges may come your way.

Life in Tampa Bay June 26, 2023

Tampa Bay Hacks: Know What the Locals Know

For those of you new to the area, or even those of you who have lived here most/all of your life, there are some great insider tips that locals are sharing on Reddit. Check out some of the Tampa Bay hacks below!

 

Publix sandwich

1. Pro Tip – Order Pub Subs online and avoid the long lines.

 

 

2. Can’t get a reservation at Bern’s Steakhouse? Go for an early dinner at 5, have the steak sandwich and the house wine, then impress your date in the desert room. Great meal and dessert for under $50 a person!

 

3. Older people who have lived here their whole lives are great resources to have. Find one to pick their brain about Tampa.

 

4. The beaches are far less crowded Monday – Thursday.

 

5. Don’t go to the beach on a holiday or when Spring Breakers are here.

 

 

6. Enjoy sing-along movies at Tampa Theatre.

 

 

7. Buy your next used car from a snowbird in March/April, right before they return home (low miles).

 

8. When traveling west from Brandon on I-4 and you need to get to 275, get off at the expressway and get off at Kennedy, go through downtown, hang a right on N Ashley, and hop back on 275 there. You pay a toll but save a ton of time avoiding Malfunction Junction.

 

9. Causeway Blvd in Brandon turns into 22nd St once you pass 50th St and takes you all the way into Ybor next to IKEA. It’s usually less crowded and less stressful than Adamo Dr or the Crosstown, and you can jump on the Crosstown there next to IKEA to get downtown or even get on Adamo Dr.

 

10. Drive through town and stay off the interstates.

 

11. Get to know all the surface streets. They are almost always faster to get around on vs. the highways.

 

12. Downtown Tampa, other than during Lightning home games, is still pretty dead from Sunday evening through Wednesday. These are the best nights to eat out if you’re trying to avoid the crowd.

 

13. If you work downtown, leave before 5 pm the nights of Lightning games, especially if you park at Fort Brooke. The way out is a mess on those nights. If there is no game, wait to leave downtown until 6:30 – 7 pm to avoid heavy I-275 traffic. Some work late or grab dinner at Hattricks or anywhere else open past 5, so it’s a breeze to get home when done.

 

14. Carry an umbrella.

 

 

15. Take a sunset cruise in October (the heat will still generate rain clouds, but it won’t rain, and it makes the sunsets spectacular).

 

16. Avoid 717 parking lots.

 

 

17. Military veteran hack: Florida is super vet-friendly; always ask if a business offers a discount or special perk. Those who have tried have gotten into Florida state parks at no cost. Free vet parking. Busch Gardens discount. The zoo or aquarium, when they offer it, the list goes on, and you can’t forget lots of free booze!

 

 

18. Spring Training games are always better than regular season games.

 

 

19. If you’re picking up somebody at Tampa International Airport, park in the long-term parking garage on Level 4, close to the pedestrian bridge. The bridge will take you directly into the waiting area. Grab yourself a coffee while you’re waiting. No more fighting with traffic in the loading zone or staring at a boring board in the cell phone parking lot. Park in the long-term parking garage; the first hour is free.

 

20. Check traffic reports before leaving home, especially if you’re going over the bridge. Oh, and sunscreen, sunscreen, sunscreen, sunscreen!

 

Some reported Tampa Bay hacks have been edited for clarity.

In the NewsTampa Bay Community June 21, 2023

John Tomlin Recognized With National Gold Leadership Award

Junior Achievement has named Tomlin St Cyr CEO John Tomlin as a recipient of its prestigious Gold Leadership Award. The national honor for volunteerism was awarded to 11 participants chosen from more than 247,000 U.S. volunteers.

 

The Gold Leadership Award honors excellence in volunteerism, recognizing leadership in supporting and expanding Junior Achievement’s student impact, resources, operational excellence, and sustainability.

 

 

“Our local business community’s support of Junior Achievement is critical to achieving our mission to inspire and prepare young people to succeed in the global economy,” said Richard George, president of Junior Achievement of Tampa Bay.

 

“John Tomlin, CEO at Tomlin St Cyr Real Estate Services, is a remarkable example of that spirit of dedication and service to others. In a very real way, he helps Tampa Bay-area Junior Achievement students understand the knowledge and the skills they need to own their economic success, make smart academic and economic choices, and plan for their future.”

 

 

Throughout his 30+ year volunteer career at Junior Achievement, Tomlin has served in leadership roles several times. In addition to three different terms as the board chair, he continues to serve on the executive committee.

 

As an entrepreneur, Tomlin is passionate about providing students with skills and experiences that promote the pillars of Junior Achievement. His contributions include being on the Campaign Trustees for the opening of JA BizTown in Tampa Bay in 2006 and sponsoring a storefront in Tomlin St Cyr’s name at Tampa Bay’s JA Finance Park.

 

 

Tomlin, a graduate of the Wharton School, is a past CEO of AAA Auto Club South, and an active community leader in Tampa Bay. He and his wife Holly have three children and four grandchildren.

Agents June 15, 2023

Agent Spotlight: Realtor Stacie McCullers

Born and raised in Tampa, Realtor Stacie McCullers brings a wealth of knowledge to her clients. Stacie has over 18 years of experience as a Realtor and 23 years managing a small business. She has a broad range of experience in all real estate transactions, with exceptional expertise in representing sellers. Stacie’s experience, tenacity, and passion have put her in the top 5% of agents in Tampa Bay by sales volume.

 

She strives to give the best customer service and commitment to her clients. “One of my recent clients purchased a new build in the Tampa area. My client was moving from out of state and was unable to attend many meetings,” said Stacie. “I stepped in and met with the design team and contractor, met with all of the vendors for the house finishes, and facilitated additional outside vendors to complete work after the contract was executed.”

 

Stacie also recently partnered with an individual with an extensive portfolio of investment properties related to commercial and residential real estate. “It was a fantastic opportunity. I have been seeking to broaden my knowledge of individual and institutional investors,” she said. “We closed on a deal in just a matter of weeks, and the experience widened my scope of knowledge immensely.”

 

The dedicated approach Stacie takes regarding her clients is her most valuable tool. “I believe real estate is an act of service to others,” said Stacie. “I strive to provide superior service, prompt communication, and unyielding support for all my clients. Whether you are facing a transitional time and need to buy or sell your home now, or are looking to build a security net through real estate investments, I am here for you.”

 

 

Stacie appreciates the enormous responsibility she holds to make sure all clients make the best decision for them. She always strives to redefine exceptional real estate service one relationship at a time. What sets her apart is that her business is built on communication, dedication, and transparency.

 

“Buying or selling a home is one of the largest financial decisions someone will make,” Stacie said. “Tomlin St Cyr’s international reach, professional videography, creative negotiations, and additional partners within the brokerage – such as a title company, mortgage company, and insurance – are just a few of the things that have catapulted Tomlin St Cyr to the top 1% of brokerages in the Tampa Bay area.”

 

Stacie is a University of South Florida graduate with a Communications degree. She and her husband Lance, a former Major League Baseball pitcher, have raised three boys: Lance Jr., also an MLB pitcher, Ryan, a firefighter, and Austin, who works in the financial sector in Tampa.

 

She supports several causes but is particularly passionate about Hillsborough County firefighters’ charities that aid families of fallen or injured firefighters and The Lance McCullers, Jr. Foundation, which supports animal shelters and programs that promote pet adoptions.

 

“I enjoy the profound impact that I can have on the lives of my clients,” said Stacie. “Real estate transactions can be one of the most important financial and emotional decisions in a person’s life. Being a Realtor, I get to do work that matters, help others, and make a positive impact on our communities.”

 

Contact Realtor Stacie McCullers or learn more here.

Agents June 11, 2023

Agent Spotlight: Mary Michelle Mitchell

In her fourth year with the brokerage, Tomlin St Cyr Realtor Mary Michelle Mitchell focuses on helping buyers connect with the best home and mortgage broker that fits their situation and needs.

 

“My most valuable tool is communication,” she said. “I always, always talk to my buyers, sellers, and everyone involved in the transaction on a regular basis. I have been told by buyers, sellers, and even other agents that I interacted with how patient, kind, and organized I am. This is extremely helpful for a smoother transaction.”

 

Mary Michelle enjoys advocating for buyers and sellers to ensure they get the best care, resources, and as little stress as possible during their transactions. Recently, she was able to get an earlier closing date on a new build for a buyer, as well as extra closing credits, by using her skills as a certified Real Estate Negotiation Expert (RENE).

 

She regularly goes above and beyond for her clients. A recent example of this was helping out-of-state buyers who were arriving at their new home but didn’t get in until after midnight. “I shopped for them and filled their fridge with milk, water, and snacks, and purchased a coffee maker and coffee, bagels, and other quick fixings, along with an extra set of silverware, plates, cups, and napkins so they didn’t have to worry about food when they arrived or breakfast the next morning,” said Mary Michelle.

 

Here are some pro real estate tips from Mary Michelle:

  • For buyers and sellers: “I always encourage an inspection. No matter what.”
    • For sellers: “This will prevent any surprises during the inspection period.”
    • For buyers: “Even with new builds, they will have a clear understanding of what they are buying.”
  • For new agents: “It’s OK not to know an answer right away. Use your broker’s and your team’s experience and knowledge.”

 

Originally from New Jersey, Mary Michelle moved to Sarasota in 2000, where she lived for six years, married, and started a family. While there, she received her AA degree in Business Administration while working for a high-end custom home builder as a customer liaison.

 

In 2005, she and her family moved to Lutz in the Tampa Bay area, where she continued on in the construction industry. From there, she opened her own little coffee shop until it was time to relocate out of state. After a brief absence from Pasco County, she has returned to the area where she truly feels at home. Mary Michelle has worked in the customer service industry for over 30 years and joined Tomlin St Cyr Real Estate in early 2020.

 

Connect with Mary Michelle Mitchell or learn more by visiting her website here.

Agents May 24, 2023

Agent Spotlight: Jesus Suarez

With Jesus Suarez as your Realtor, you’re getting a lifetime of knowledge on the Tampa Bay area. Born and raised in Tampa, Jesus has had a background in construction, flipping houses, and customer service since age 15.

 

“What I love about real estate and what just gets me very excited about the industry is that I have been surrounded by real estate most of my life,” said Jesus. “It is something that is very challenging but very rewarding. It’s a huge purchase in many of our lives. So being able to make the process more humanizing is always what I seek out in this career.”

 

Persistence is how one would describe Jesus. He never gives up, even when life throws challenges his way. He believes that if there is a will, there is always a way.

 

Jesus’ experience in customer service helps him succeed. His background in real estate, retail, as a manager, and as a barista helps him get to know his clients and create meaningful connections.

 

“Making that customer connection, as well as being persistent in following up, is my value proposition,” Jesus said. “Some forget that people are making huge decisions on purchasing a home. I see many Realtors in the area that care more about a commission than the customer’s best interests. I will always fight for what’s right.”

 

Jesus is also involved with his community. He volunteers at Metropolitan Ministries every Christmas to help pass out toys and food to those in need. “I am passionate about helping out our community with the amount of change Tampa is going to go through,” he said.

 

In his spare time, Jesus loves to work out and is a Barry’s enthusiast. He also enjoys reading, going to the beach, and exploring new places. Getting out of his comfort zone is what he seeks the most.

 

Work with Jesus Suarez or learn more here.