Estimates of Real Estate Costs
Closing Costs
Buyer closing costs 2% to 3% of the purchase price
Seller closing costs 7% to 9% of the contract price
Required Down Payments
VA loan 0% down, 100% financing
Conventional 20% down
FHA 3.5% down, max loan $729,750
FHA Cash Dow and Monthly Payment Estimate
$100,000 $ 3,500 down < $ 800 monthly
$200,000 $ 7,000 down < $1,600 monthly
$300,000 $10,500 down < $2,400 monthly
$400,000 $14,000 down < $3,200 monthly
$500,000 $17,500 down < $4,000 monthly
$600,000 $21,000 down < $4,800 monthly
$700,000 $24,500 down < $5,600 monthly Strategy and Tactics Strategy is the plan Tactics are the action Strategy is driven by the brain Tactics are driven by the feet Strategy focuses on longer term Tactics focus on shorter term Strategy is the general Tactics are the specific Strategy is war on the map Tactics are war on the ground unknown author Buyer Benefits - 78% of Buyer’s have used a Buyer’s Agent during the last 2 years.
- 83% of people rated the service of a Buyer’s Agent as “Excellent to Very Good” according to the National Association of Realtors™.
- Buyer’s Representation addresses the primary concern of every Buyer – TRUST. Buyers want someone working for them. Someone they are confident will assist them in making the right purchase decision. Someone who has a single business responsibility to represent the Buyer.
Professional Services Provided other than arranging property showings | NoAgent | Buyer’sAgent | Provide advice and counsel | | yes | Explain forms, disclosures & agreements | | yes | Financing guidance and contacts | | yes | Keep track of Critical Dates | | yes | Keep your financial position confidential | | yes | Fully promote & protect your interests | | yes | Negotiate advantageous price & terms | | yes | Information to help you negotiate | | yes | Write an offer in your best interest | | yes | Accurate information about all properties | | yes | SOLD statistics so you write a smart offer | | yes | Protect your Earnest Money Deposit | | yes | Provide all properties listed and unlisted | | yes | Manage from contract offer to closing | | yes |
The Financing Process · Calculate your budget · Apply for a loan and get a pre-approval letter · Shop · Negotiate · Multiple Offers Close the transaction Buyer’s Financial Requirements Price $ | Cash 3% to 30% down | Mortgage 28% income | Principal, Interest, Taxes, Insurance PITI | Required Income Multiply the annual mortgage by 4 |
Income | Percent of People | $1,000,000 | .16% | $500,000 | .43% | $200,000 | 1.91% | $100,000 | 7.50% | $75,000 | 13.65% | $50,000 | 26.84% | $40,000 | 34.60% | $30,000 | 45.06% | $25,000 | 51.66% | $20,000 | 59.51% | $15,000 | 68.78% | $10,000 | 78.44% | $5,000 | 88.66% |
Mortgage Application Checklist Income Verification • Names and addresses of all employers for the last two consecutive years (including dates of employment and gross monthly income). Tip: Make sure to provide the complete name and mailing address. If you work for a really big company that has different departments in different locations, you may want to call human resources and ask what address should be provided for employment verifications. • W-2s for the last two years (and perhaps even federal income tax returns from the past two years) • Pay stub(s) for the last 30 days. Year-to-date profit and loss statement • signed by an accountant and you Signed tax returns for the last two reporting years (business and personal). Make Supporting documentation for any other income the borrower considered toward qualifying including the following: Social Security and disability payments. A copy of the award letter must provided along with a recent check stub or copy of a bank statement if deposited electronically through direct-deposit. • Pension income. You will need to provide a check stub and any forms showing duration of payments. • Dividends. Brokerage statements for the last 2 years or last two year's income tax returns Schedule B-Interest and Dividend Income. Child support.* You will need to show proof of receipt, through a printout from the courts or 12 months of cancelled checks. (Payments must have been received for at least 12 months on time and must be scheduled to continue at minimum another 36 months to count as qualifying income depending on the product and program for which you are applying). Alimony.* You will need to provide a complete copy of your divorce or legseparation documents which documents alimony to be received. You will also need to show proof of receipt, through a months of cancelled checks or tax returns. Bonuses years. Overtime. If the buyer's employer will guarantee the overtime may be included as an income source. Rental property income. This information can be provided in income tax returns for the past two years. * Note: you do not have to disclose alimony, child support or are separated. Asset Verification • Gift letter if you are receiving a monetary gift from a relative d/or passbooks for the last three months which include • Bank statements and account names • Checking accounts • Savings accounts • Credit unions • Mutual Fund accounts • Security accounts • Title of any car you own (if less than five years old) • The most recent state should include name of creditor, addresses, account number and balance. Car loans • Outstanding Student Loans • Include Documentation of current mortgage or home equity loan which includes last 12 months' cancelled mortgage checks, most recent statement and lname address, account number and balance. Name and address of present landlord along with last 12 months' canrent checks. • A complete copy of any divorce decree or separation agreement to docum alimony or child support. A copy of any ba Bankruptcy Explanation documents Explanation letter for any judgments with a copy of release/satisfaction • Explanation letters for other delinquent credits of record (late payments, liens foreclosure) • fully executed copy of purchase agreement. May need to provide copies of plans and specifications. Legal description of the property being purchased. (real estate agent will give you this). Copy of listing sheet or property information sheet (if multiple listing). (real estate agent will give you this). • If you are in the process of executed contract of sale the home before closing on the new home. • Schedule of real estate owned including: name of lender, account number, principal balance, original purchase price, purchase agreement (leases only), type of property, etc., signed tax returns are original, not photocopies, and two reporting years. (Make sure signatures include all schedules and documentation for the last two years. • A list of your addresses of residences for your diploma or transcripts • Social Security Number If you are a resident alien, evidence of permanent residency issued by I.N.S. (aka green card) Mortgage Money Mortgage Brokers Brokers arrange transactions rather than lending money directly; they find a lender for you. A broker’s access to several lenders can mean a wide selection of loan products and terms. Bankers may contact several lenders regarding your application. Brokers are not obligated to find the best deal for you unless they have contracted with you to act as your agent. Lenders and Brokers Some financial institutions operate as both lenders and brokers. A broker is usually paid a fee for their services that may be separate from, and in addition to, the lender’s origination or other fees. A broker’s compensation may be in the form of “points” paid at closing or as an add-on to your interest rate, or both. Rates 1 Ask each lender and broker for a list of its current mortgage interest rates. 2 Ask whether the rate is fixed or adjustable. Interest rates generally go up. Your monthly payment will go up if the rate goes up. 3 Ask about the loan’s annual percentage rate (APR). The APR takes into account not only the interest rate but also the points, broker fees, and certain other credit charges that you may be required to pay, expressed as a yearly rate. Points Points are fees paid to the lender or broker for the loan and are often linked to the interest rate, usually the more points you pay, the lower your rate. Fees An institution may include fees such as loan origination or underwriting fees, broker fees, and transaction, settlement and closing costs. Every lender or broker should be able to give you an estimate of their fees. Some fees are paid when you apply for a loan (application fee and appraisal fees), and others are paid at closing. In some cases, you can borrow the money needed to pay these fees, but doing so will increase your loan amount and the total costs. “No cost” loans are sometimes available, but they usually involve higher rates. Down Payments and Private Mortgage Insurance Some lenders require 20 percent of the home’s purchase price as a down payment. If a 20 percent down payment is not made, lenders usually require the home buyer to purchase private mortgage insurance (PMI) to protect the lender incase the home buyer fails to pay. When government – assisted programs such as FHA (Federal Housing Administration, VA (Veterans Administration), or Rural Development Services are available, the down payment requirements may be substantially smaller. If PMI is required for your loan, 1 Ask how much your monthly payment will be with the PMI premium is included. 2 Ask how much your monthly payment will be when including the PMI premium. 3 Ask how long you will be required to carry PMI.
Fair Lending Fair lending is required by law. Equal Credit Opportunity Act The Equal Credit Opportunity Act prohibits lenders from discriminating against credit applicants in any aspect of a credit transaction on the basis of race, color, religion, national origin, sex, marital status, age, whether all or part of the applicant’s income comes from a public assistance program, or whether the applicant has in good faith exercised a right under the Consumer Credit Protection Act. Fair Housing Act The Fair Housing Act prohibits discrimination in residential real estate transactions on the basis of race, color, religion, sex, handicap, familial status, or national origin. A consumer cannot be refused a loan based on these characteristics nor be charged more for a loan or offered less favorable terms based on such characteristics. Credit Problems Do not assume that minor credit problems or difficulties stemming from unique circumstances, such as illness or temporary loss of income, will limit your loan choices. Negative Information If your credit report contains negative information that is accurate, but you have good reasons for that bank to trust you to repay a loan, explain your situation to the the bank or broker. If your credit problems can not be explained, you will probably have to pay more than borrowers who have good credit histories. Credit Report It’s a good idea to review your credit report for accuracy and completeness before you apply for a loan. To order a copy of your credit report contact: Equifax: (800) 685-1111 TransUnion: (800) 888-4213 Experian: (888) 397-3742 Terms Adjustable-Rate Loan Also known as variable-rate loans. Usually the initial rate is lower than fixed-rate loans. The interest rate fluctuates over the life of the loan. The loan agreement sets maximum and minimum rates. When interest rates rise, your payments will increase. When interest rates fall, your monthly payments may decrease. Annual Percentage Rate (apr) The cost of credit as a yearly rate. APR includes the interest rate, points, broker fees, and other credit charges that a borrower will pay. Conventional Loans Mortgage loans other than those insured or guaranteed by a government agency such as the FHA (Federal Housing Administration), the VA (Veterans Administration), or the Rural Development Services (formerly known as Farmers Home Administration, or FmHA). Escrow The holding of money or documents by a neutral third party prior to closing. It can also be an account held by the bank (or servicer) that a homeowner pays money to for taxes and insurance. Fixed-Rate Loans Fixed-rate loans generally have repayment terms of 15 or 30 years. The interest rate and the monthly payment (for principal and interest) will stay the same during the term of the loan. Interest Rate The cost of borrowing money expressed as a percentage rate. Loan Origination Fees Fees charged by the lender for processing the loan. The rate is a percentage of the loan amount. Lock-In Refers to a written agreement guaranteeing a home buyer a specific interest rate on a home loan provided that the loan is closed within a certain period of time, usually 60 or 90 days. The lock-in may specify the number of points to be paid at closing. Lock-In When you are happy with the terms you can ask for a written lock-in. The lock-in will include the rate, the period the lock-in lasts, and the number of points to be paid. A fee may be charged for locking in the loan rate. Lock-ins can protect you from rate increases while your loan is being processed. Rates can fall making your lock-in rate less favorable. Mortgage A document signed by a borrower when a home loan is made that gives the lender a right to take possession of the property if the borrower fails to pay off the loan. Overages An overage is the difference between the lowest available price and any higher price that the home buyer agrees to pay for the loan. A loan officer or broker may be allowed to keep some or all of this difference as extra compensation. Points Points are fees paid to the lender for the loan. One point equals 1 percent of the loan amount. Points are usually paid in cash at closing. Sometimes the money needed to pay points can be borrowed, but that will increase the loan amount and total costs. Private Mortgage Insurance (PMI) Private mortgage insurance protects the lender against loss if a borrower defaults on the loan. It is usually required for loans in which the down payment is less than 20 percent of the sales price or, in a refinancing, when the amount financed is greater than 80 percent of the appraised value. Thrift Institution Thrift institution is a general term for savings banks and savings and loan associations. Transaction, Settlement, or Closing Costs May include application fees; title examination, title insurance, and property survey fees; fees for preparing deeds, mortgages, and settlement documents; attorneys’ fees; recording fees; and notary, appraisal, and credit report fees. Under the Real Estate Settlement Procedures Act, the borrower receives a good faith estimate of closing costs at the time of application or within three days of application. The good faith estimate lists each expected cost either as an amount or a range. Florida Agency There are three types of Real Estate Agency Relationships that pertain to buying a property. They are Single Agency Transaction Brokerage No Brokerage Relationship Sellstate Island Properties wants to provide more service than the Transaction Broker relationship allows under Florida law. Our Policy is to provide the greatest possible degree of service to its clients. That is why we prefer to represent a Buyer as a Single Agent. Single Agent A Single Agent can provide additional service and representation. I am able to provide a Buyer the full spectrum of services, including the fiduciary duties of loyalty, confidentiality and obedience. I represent our Buyer’s interest above all others, including our own. Agency laws ensure that all parties understand their business relationship and responsibilities. Florida Law To comply with Florida Law, when Sellstate Island Properties represents the Seller and the Buyer in the same transaction, we must transition back to a Transaction Broker, wherein we provide both parties with fair and honest dealing, skill, care and diligence, accounting and disclosure of all known facts that materially affect the value of the property. Transaction Broker Transitioning back to Transaction Broker will ensure that we will not be denied the opportunity to see home a Buyer wants just because it happens to be listed with another Sellstate Island Properties Agent. And, all Buyers want every the best home opportunities available. Benefit Working with two Sellstate Agents facilitates a smooth and orderly sale, and your sale will be more efficient and probably quicker. Sellstate Island Properties will not represent one party to the detriment of the other. Disclosure If a situation forces us, by law, to become a Transaction Broker, I will inform you immediately. The change will be in effect only for that single transaction and then our relationship will revert back to Single Agency. Representation | Single Agency | Transaction Broker | Fiduciary | Yes | No | Care, Skill and Diligence | Yes | Yes | Obedience | Yes | No | Loyalty | Yes | No | Disclosure | Full | Material Facts | Accounting | Yes | Yes | Confidentiality | Yes | Limited | Honesty and Fairness | Yes | Yes | Present Offers Timely | Yes | Yes | Mutually Agreed Duties | Yes | Yes |
SERVICE PROVIDER INFORMATION FOR NEWCOMERS You must call the appropriate agency directly for services because they require your personal information, written approval and signature. I. ESTABLISHING SERVICE TO YOUR PROPERTY 1. ELECTRIC SERVICE Lower Keys and Key West (West of the 7 Mile Bridge): Keys Energy Service (305) 295-1000 - www.keysenergy.com 1. Key West: 1001 James Street (305) 295-1000 2. Big Pine Key: 13 Ships Way (305) 515-0333 Middle and Upper Keys (East of the 7 Mile Bridge): Florida Keys Electric Cooperative - www.fkec.com 1. Marathon: 3421 Overseas Hwy, MM 48.8 (305) 743-5344 2. Tavernier: 91605 Overseas Hwy, MM 91.5 (305) 852-2431 Items you will need for electric service: 1. Visit the office BEFORE 3 pm for same day service 2. Driver’s license 3. Social security number 4. Deposit 5. If rental unit – bring a copy of the lease 2. WATER SERVICE Florida Keys Aqueduct Authority (FKAA) - www.fkaa.com Lower Keys: Key West: 1100 Kennedy Drive (305) 296-2454, Fax: 296-3346 Middle Keys: Marathon: 3200 Overseas Hwy (305) 743-0261/5409, Fax: 289-0170 Upper Keys: Tavernier: 91620 Overseas Hwy (305) 852-5441, Fax: 852-2300 Items you will need for water service: 1. On the day of closing, no sooner, and BEFORE 4 pm, have your attorney or title co. fax a copy of the deed to your property to FKAA to ensure water service that day 2. Driver’s license 3. Social security number 4. Deposit 5. If rental unit – bring a copy of the lease 3. TELEPHONE SERVICE BellSouth - www.bellsouth.com 1. Residential: 1-888-757-6500 or Business: 1-866-620-6000 2. It is helpful if you know the previous owner’s telephone number before calling SERVICE PROVIDER INFO 2 Location: Server/Users/Admin Info – All Users 4. GARBAGE SERVICE Lower Keys and Key West Waste Management Garbage Collection US Hwy 1, Stock Island (305) 296-8297 City of Marathon, Duck Key and Conch Key Marathon: Marathon Garbage Service 4290 ½ Overseas Hwy (305) 743-5165 Upper Keys - Long Key, North and Key Largo Keys Sanitary Service 300 Central Avenue (305) 451-2025 Islamorada Onyx Waste Services - 2 N Blackwater Lane, Key Largo (305) 453-1700 5. CABLE TV SERVICE Comcast – www.comcast.com Call: 1-800-266-2278 6. COMPUTER CONNECTION BellSouth - www.bellsouth.com Call: 1-800-757-6500 Comcast – www.comcast.com Call: 1-800-266-2278 II. ADDITIONAL HELPFUL SERVICES INFORMATION Post Office locations: 1. Marathon: 5171 Overseas Hwy (305) 743-5238 2. Key Colony Beach: City Hall (305) 743-2249 3. Key West: 400 Whitehead St 1-800-ASK-USPS 4. Key Largo: 100100 Overseas Hwy (305) 743-2249 5. Long Key: 68340 US Hwy 1, Layton (305) 664-4112 6. Islamorada: 82803 Overseas Hwy (305) 664-4738 7. Tavernier: 91200 Overseas Hwy (305) 853-1230 8. Big Pine Key: 29959 Overseas Hwy (305) 872-2531*** 9. Summerland Key: 24700 Overseas Hwy (305) 745-3391*** *** From 1994 to 1996 the Lower Keys began going through a transition from Rural Routes to regular street addresses for 911 purposes. Many mailboxes still have a Route Number and/or Box number on them. If you have any doubt call the Post Office to verify which address is correct. There are some houses where mail delivery has not been established with the Post Office. Therefore, if there is no mailbox at the property you purchased go to the Post Office and obtain the instructions and specifications before you install a mailbox as they have some specific requirements. The Post Office will assign you your new address. 2. LOCAL HOSPITALS Hospital locations: 1. Key West: Lower Keys Medical Center, 5900 College Rd (305) 294-5531 2. Marathon: Fisherman’s Hospital, 3301 Overseas Hwy (305) 743-5533 3. Tavernier: Mariners Hospital, MM 91 ½ (305) 852-4418 3. LIBRARIES Monroe County Main Library Branch locations: 3 Location: Server/Users/Admin Info – All Users 1. Key West: 700 Fleming (305) 292-3595 2. Big Pine: 213 Key Deer Blvd (305) 872-0992 3. Marathon: 3251 Overseas Hwy (305) 743-5156 4. Key Largo: 101-4 Trade Winds Shopping Ctr (305) 451-2396 5. Islamorada: MM 81.5 on the Bay side (305) 664-4645 4. VEHICLE REGISTRATION New residents must register their vehicles and obtain Florida license tags within 30 days of establishing legal residency or by the day they begin work in Florida or by the time they register their children in school. Office locations: 1. Key West: 1200 Truman Ave (305) 295-5000 2. Big Pine: Big Pine Shopping Center (305) 295-5000 3. Marathon: 3101 Overseas Hwy, MM 48.5 (305) 295-5000 4. Key Largo: Trade Winds Plaza, MM 101.5 (305) 295-5000 5. Tavernier: 88700 Overseas Hwy (305) 295-5000 Items you will need: 1. Proof of vehicle ownership 2. Proof of insurance 3. Previous out-of-state title and registration 4. A state form that includes the vehicle registration number and odometer reading 5. Valid driver’s license and a second form of personal identification 6. The vehicle you are registering 5. BOAT REGISTRATION Registration is required on all boats with motors, regardless of size. A valid out-of-state registration of any pleasure craft is recognized for up to 90 days in Florida. After that, Florida registration is required. Fees vary according to the length of the boat. Office locations: 1. Key West: 1200 Truman Ave (305) 295-5000 2. Big Pine: Big Pine Shopping Center (305) 295-5000 3. Marathon: 3101 Overseas Hwy, MM 48.5 (305) 295-5000 4. Key Largo: Trade Winds Plaza, MM 101.5 (305) 295-5000 5. Tavernier: 88700 Overseas Hwy (305) 295-5000 Items you will need: 1. Title and/or registration 2. Valid driver’s license and a second form of personal identification 6. OBTAINING A FLORIDA DRIVER’S LICENSE 1. New residents are required to pass only a visual examination if they have a valid driver’s license from another state - an appointment is recommended 2. A new license costs $20 and is valid for 6 years; License renewal is $15; Replacement cost is $10 3. Drivers must be at least 16 y.o. to qualify for a driver’s license and 15 y.o. to get a restricted operators permit Office locations: 1. Key West: 3439 S. Roosevelt Blvd (305) 293-6338 2. Big Pine: 201 Key Deer Blvd (305) 872-3652 3. Marathon: 3380 Overseas Hwy (305) 289-2306 4. Key Largo: Trade Winds Plaza, MM 101 (305) 853-3562 4 Location: Server/Users/Admin Info – All Users Items to bring: 1. Your valid out-of-state driver’s license 2. 2nd form of personal identification 7. OBTAINING A FLORIDA VOTER REGISTRATION CARD You may register at any bank or library in Monroe County or call the voter registration office in your community. Office locations: 1. Key West: 3439 S. Roosevelt Blvd (305) 293-6338 2. Big Pine: 201 Key Deer Blvd (305) 872-3652 3. Marathon: 3380 Overseas Hwy, MM 48 (305) 289-2306 4. Key Largo: Trade Winds Plaza, MM 101 (305) 853-3562 8. SCHOOLS AND COLLEGES 1. Monroe County School District - www.monroe.k12.fl.us Main Office, 241 Trumbo Road, Key West (305) 293-1400 2. Florida Keys Community College – http://www.fkcc.cc/ Main Office, Key West (305) 296-9081 9. FISHING AND HUNTING LICENSE INFORMATION Licenses are available from Monroe County Tax Collector’s offices or substations ranging from bait shops to department stores such as Kmart. For further information, call: Florida Fish and Wildlife Conservation Commission (305) 289-2330 Monroe County Tax Collector’s Office locations - http://www.monroetaxcollector.com/ 1. Key West: 3439 S. Roosevelt Blvd (305) 293-6338 2. Big Pine: 201 Key Deer Blvd (305) 872-3652 3. Marathon: 3380 Overseas Hwy (305) 289-2306 4. Key Largo: Trade Winds Plaza, MM 101 (305) 853-3562 10. CITY GOVERNMENT OFFICES Local City Offices: 1. Marathon City Hall - http://www.ci.marathon.fl.us/ 10045-55 Overseas Hwy (305) 743-0033 2. Key West - http://www.keywestcity.com/ 525 Angela St (305) 293-292-8100 3. Key Colony Beach - http://www.keycolonybeach.net/ 600 W. Ocean Dr (305) 289-1212 4. Village of Islands Islamorada - http://www.islamorada.fl.us/ 87000 Overseas Hwy (305) 664-2345 5. Layton - PO Box 778 (305) 664-4667 (open Fridays) 11. COUNTY GOVERNMENT OFFICES 1. Monroe County Government Center - http://www.co.monroe.fl.us/ Key West: 1100 Simonton St., (305) 292-4441 2. Monroe County Growth Management Division - http://www.co.monroe.fl.us/ Marathon: 490 63rd Street, Suite 140, (305) 289-2517 A. Code Enforcement - http://www.co.monroe.fl.us/ Lower Keys: Key West: 1100 Simonton St. Gato Building - Room 1-171 (305) 292-4495 Middle Keys: Marathon: Government Ctr, 2798 Overseas Hwy Ste 330 (305) 289-2810 Upper Keys: Tavernier: Plantation Key Gvt Ctr, 88820 Overseas Hwy (305) 852-7135 B. Planning and Environmental Resources - http://www.co.monroe.fl.us/ Middle Keys: Marathon 2798 Overseas Highway Suite 400 (305) 289-2500 Upper Keys: Tavernier 88800 Overseas Highway (305) 852-7100 5 Location: Server/Users/Admin Info – All Users C. Building Department - http://www.co.monroe.fl.us/ Lower Keys: Key West 5503 College Rd. Juvenile Justice Bldg, Rm 2030 (305) 295-3990 Middle Keys: Marathon 2798 Overseas Highway Suite 300 (305) 289-2501 Upper Keys: Tavernier 88800 Overseas Highway (305) 852-7100 3. Monroe County Clerk’s Office - http://www.clerk-of-the-court.com/ Lower Keys: Key West 500 Whitehead Street (305) 293-292-4441 Middle Keys: Marathon 3117 Overseas Hwy (305) 289-6027 Upper Keys: Plantation Key 88820 Overseas Hwy (305) 852-1469 4. Monroe County Property Appraiser - http://www.mcpafl.org/ Homestead Exemption: To qualify for homestead exemption for the first time, each person must have legal title to the property, as recorded in the official records of Monroe County, and who resides thereon and in good faith make the same his permanent residence, or the permanent residence of another or other legally or naturally dependent upon such person. Each person must reside on the property, have legal title and provide proof of residency as of January 1st of the year that they are applying. Property Owners can pre-file for homestead exemption. The deadline for filing for the upcoming tax year is March 1. Lower Keys: Key West - Old Courthouse 500 Whitehead St - rear of bldg: (305) 292-3420 Middle Keys: Marathon Gov’t Center MM 48, 2798 Overseas Hwy Suite 310: (305) 289-2550 Upper Keys: Plantation Key - Jerry Ellis Building MM 88.7 Tavernier: (305) 852-7130 Bring the following documents to prove ownership and Florida residency dated prior to January 1st of the year in which you plan to file: 1. Deed as recorded in the Official Records of Monroe County 2. Voter Registration Card or Declaration of Domicile 3. Florida driver’s license 4. Florida vehicle registration 5. Social Security number 6. Mobile home owners must bring the title(s) or registration(s) for the mobile home When filing for a homestead exemption, additional information will be requested from you: 1. Address on last income tax return 2. Current employer(s) of owners 3. Date of each owner’s permanent Florida residence 4. Date of occupancy 5. Exemptions filed last year (yes/no) 6. Present address of co-owner not residing on property 12. STATE GOVERNMENT 13. LAW ENFORCEMENT 1-800-273-COPS Lower Keys: Key West - 5525 College Road (305) 292-7000 Cudjoe Key - Freeman Substation 20950 Overseas Highway (305) 745-3184 6 Location: Server/Users/Admin Info – All Users Middle Keys: Marathon Substation 3103 Overseas Highway (305) 289-2430 Upper Keys: Islamorada - Islamorada Sheriffs District 87000 Overseas Highway (305) 853-7021 Tavernier - Spottswood Substation, Plantation Key 88770 Overseas Highway (305) 853-3211 2. City Police Departments Key West: 1604 N. Roosevelt Blvd (305) 292-8200 Key Colony Beach: 600 W. Ocean Dr (305) 289-1212 3. Florida Highway Patrol 1-800-240-0453, Statewide cell number: *FHP 4. Florida Fish and Wildlife Conservation Commission 1-888-404-FWCC 14. KEYS AIRPORTS Local airports: 1. Marathon: (305) 743-2155 2. Key West International Airport: (305) 296-5439 15. LOCAL CHAMBER OF COMMERCE OFFICES Local Chamber Offices: 1. Greater Marathon Chamber: (305) 743-5417 2. Greater Key West Chamber: (305) 292-2587 3. Key Largo Chamber: (305) 451-1414 4. Islamorada Chamber: (305) 664-4503 5. Big Pine – Lower Keys Chamber: (305) 872-2411 16. HURRICANE AND SEVERE WEATHER PREPARATION INFO Contact: 1. Monroe County Emergency Management 490 63rd Street Ocean, Suite 150 Marathon: (305) 289-6018, 1-800-427-8340 2. National Hurricane Center - http://www.nhc.noaa.gov/aboutnhc.shtml 3. For up-to-date emergency and weather related information tune into: a. Local radio b. Cable TV, channel 16 and 52 c. NOAA weather radio: 162.550 – Miami 162.400 – Key West 162.450 – Islamorada 4. Check your local BellSouth Real Yellow Pages phone book in the Community Information section for more detailed information on hurricane/severe weather preparedness. 17. NEWSPAPERS Office Locations: 1. The Florida Keys Keynoter: 3015 Overseas Hwy, Marathon: (305) 743-5551 2. The Key West Keynoter: 2720-A N. Roosevelt Key West: (305) 296-6989 3. The Key West Citizen: 3420 Northside Dr, Key West; in Key West call (305) 292-7777 ext 3, in Marathon call (305) 743-8766 4. Keysnews.com: Florida Keys only daily online news 5. The Independent: 103400 Overseas Hwy, Suite #201-202: (305) 451-1887 6. Key Largo Free Press: 81549 Old Hwy Islamorada: (305) 664-2266 7. Upper Keys Times: 101411 Overseas Hwy, Key Largo: (305) 453-5454 8. The Key Largo/Tavernier & Marathon Weekly: 5409 Overseas Hwy, Nr. 343 Marathon: (305) 743- 0844 9. The Reporter /Keynoter: 91655 Overseas Hwy, Tavernier: (305) 852-3216 |