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Ormond Beach and Ormond By The Sea condo Buyers and sellers note:
A Governance form is required to be given to any condominium buyer in Florida effective January 1, 2009. The Governance form informs buyers as to some of the workings of a Condominium Association. Ocean View Realty Group, specializing in Ormond By The Sea Florida residential condo sales, provides a pdf copy of the form for all to review. Click on this link to view the Florida condo Governance form Schools
Relocating to Ormond Beach, Daytona Beach or Ormond By The Sea with children? Volusia County school information is at
http://www.volusia.k12.fl.us/ Ormond By The Sea Home and Condominium buyers
Buying Ormond by The Sea Real Estate may leave you with many questions.
Here Ocean View Realty group presents a very simple way to figure the
principal and interest payment on your new mortgage. Do not forget to
consider your other monthly expenses such as Real Estate taxes and
insurance which may also increase your mortgage payment. Or you can use
this to figure your car paymont or whatever other loan you may have.
Financing tips for buyers of
Ormond By The Sea Florida
homes and condos
A few hints for buyers who need to finance a real estate purchase.
-Obtain a recent credit report and review it with a mortgage specialist.
There may be ways to raise your score prior to applying for a loan.
-Increase the down payment. Since risk-averse lenders are avoiding conventional 95 to 100 percent mortgages,
an applicant who can make a 10 to 20 percent down payment is much more likely to be approved.
-Be prepared to verify income and assets. It’s far more difficult to obtain “no-documentation” or “low-doc”
loans today because of stricter underwriting standards.
-Apply for a government-guaranteed loan from the Federal Housing Administration (FHA) or U.S. Department of
Veterans Affairs (VA). These loans can finance up to 100 percent of the purchase price.
-Shop around for rate quotes from banks and mortgage companies and get a pre-approval letter indicating the amount of mortgage financing you qualified for.
Now for a few things to avoid while getting ready to apply for a home loan or even after you apply but before the loan is closed.
1. Do not change jobs, become self-employed or quit your job.
2. Do not buy a car, truck or van (or you may be living in it)!
3. Do not use charge cards excessively or let your accounts fall behind.
4. Do not spend money you have set aside for closing.
5. Do not omit debts or liabilities from your loan application.
6. Do not buy furniture.
7. Do not originate any inquiries into your credit.
8. Do not make large deposits without first checking with your loan officer.
9. Do not change bank accounts.
10. Do not co-sign a loan for anyone.
Ormond By The Sea newcomers
Important phone numbers for newcomers:
Note that all phone numbers are
area code 386 unless indicated.
Airport-Daytona Beach 248-8030
Animal hospital - Atlantic 441-1226
Air conditioning - Ron/ East Coast Air 7671163
Attorney for wills and real estate Sharon Logan 673-5787
Auto Mechanic – Rich 441-8880
Auto License tags 254-4610
Banks: Bank of America-441-3559
National City Bank-441-1785
Regions Bank-441-1200
Wachovia-254-7278
Beach information-239-7873
Bus-Votran 761-7700
Computer Guru 672-7049
Cable – Brighthouse* 677-1232
Carpet cleaning - Advanced Carpet 441-5114
Carpet/Flooring – Rich 672-2538
CVS-672-2533
Drivers License 238-3140 or 517-2081(Flagler)
Electrician – Darren Brown 615-8956
Electricity – FPL 252-1541
Emergency-Hurricane etc.-2544658
Fishing/Hunting license-254-4635
Family Dollar-441-8699
Hardware -KNS 441-4456
Homestead exemption-254-4601
Insurance - Allstate 673-9111
Jeweler- Granada Jewelers 672-9003
Library-Ormond Beach 6764191
County 248-1746
Liquor - ABC Liquor 441-2404
Mortgage- Ramsey Mort. 756-7766
Ocean View Realty 441-8245
Ormond Beach Library 676-4191
Peckers Pub 441-2944
Plumber-Andy Frattin 441-1005
Post office(Ocean Shore Blvd) 441-4829
Pressure Cleaning-Larry Rush 441-1736
Publix-441-2436
Real Estate Atty.- Sharon Logan 673-5787
Recycling-257-6021
Restaurants: Alfies 441-7024
Betty"s Cafe 441-8131
Genovese 677-3222
Gourmet Kitchen 441-7717
House of Donuts 441-4066
NY Style Bagel Deli 441-0290
Outback 6761550
Pips 441-2900
Peach Valley 615-0096
Stavros Pizza 441-0003
TGI Friday-672-4121
Schools 254-6475
Osceola Elementary-239-6380
Ormond Middle-676-1250
Seabreeze High-646-1400
Screens-Modern Screen - Jeff 253-7553
Shipping Depot on Ocean Shore Blvd 441-3714
Speedy Mart and deli 441-0065
Telephone-Bellsouth 1-800-763-2909 or 1-888-757-6500
Trash pick-up 673-0800
Voter registration 254-4690
Walgreen-677-8849
Water-City of Ormond Beach 676-3209
* Also offers digital phone and internet.
Packing Tips
Before you begin, make plans to carry with you any medications, valuables, flammable,
unsafe, perishable or irreplaceable items. A change of clothing, toiletries, moving
related documents, keys and maps would be other things to set aside. Other items that
you may want to carry with you include your address book, phone to plug into at your
new home, a hammer, screw driver, pliers, adjustable wrench, duct tape, masking tape,
and a knife. A towel, soap, toilet paper, paper towels, sponges and cleaning supplies
may also come in handy at your new home. Pack least used items in advance and try to
keep items from the same room together. Remember too that lots of people move on
the first of the month and on weekends, so make reservations for your mover or truck
well in advance. Keep all of your boxes manageable with heavy items in smaller boxes
and lighter item in bigger boxes. Clearly mark each box for the room it is going to so on
arrival, everything will be easier to identify. Donate items or have a yard sale to reduce
what you will need to pack and move.
Packing suppliesSet up a packing area
- You will probably need twice as many boxes (or more) than you originally planned
- Bubble wrap and newspaper for wrapping things
- Pens and markers
- Tape measure
- Packing tape and scissors
- Twine or rope
- Furniture pads or old sheets and blankets
- Box cutter/knife
Moving tips
A few hints to help with the moving experience.
- Many people move on the first of the month and on weekends so be sure to make
arrangements for movers or truck rentals a couple months in advance.
- The closer you get to moving day the more hectic things may become. Plan ahead
and do some of the things early, like sending change of address notes to friends,
family etc. Other things you can do early include:
- Decide what you will not move and have a yard sale or donate the items. Clean out
the closets, garage, attic and basement.
- Make a packing plan.
- Have any needed service to your vehicle done.
- Arrange for insurance and utilities for your new home.
- Arrange for transfer of medical, dental, school and other records.
- Plan transportation and care for any pets.
- Set up your “packing station” and begin putting things there to get ready.
- Set aside an area to put important documents and other items you will be keeping
with you on moving day. As you come across an item, put it in that area. Also keep
a pad of paper and pen there and list items you want to carry with you and check
them off as you locate them.
- Look through your bank statements to make a list of accounts to cancel and others
to notify of your address change.
- Return items you borrowed from friends and neighbors.
- If you are moving to a new community set up a bank account there.
- Plan to use food in the freezer and pantry so there will be less to pack and move.
- Begin packing things you will not use before you move. Holiday decorations are a
perfect example. Be sure to clearly label each box and list contents. Mark each box
with your new home location.
Ormond By the Sea Storage rental
Ocean View has storage for rent at our location in Ormond By The Sea Florida.
7X16 space with 11 foot ceiling offers lots of space for furniture and
household items. The space is de-humidified. $90 Monthly plus tax.
Also, 9X19 not climate controlled with a garage door that opens 6.5' high
$125 Monthly plus tax.
Ocean View has storage for rent at our location in Ormond By The Sea Florida.7X16 space with 11 foot ceiling offers lots of space for furniture and household items. The space is de-humidified. Monthly plus tax.Also, 9X19 not climate controlled with a garage door that opens 6.5' high Monthly plus tax.
If you are relocating to the area or just need a place to put "stuff" that doesn't fit into your home contact Ocean View for availability of our inexpensive storage units in Ormond By The Sea Florida.
Owners of Volusia County, Florida property received their trim (truth in millage) notices from the county property appraiser's office. Included in that mailing are 2 charts that depict the real estate bubble bursting. The first chart shows the number of sales in Volusia County, Florida, from 2000 to 2009. The charts are reprinted here with the consent of Morgan Gilreath, Volusia County, Florida Property Appraiser.
The second chart shows the rise and fall of single family residence values in Volusia County, Florida from 1996 to 2009. Current property values are back to the 2002-2003 range. Values declined 25% from January 1, 2008 to January 1, 2009 in Volusia County.
Ocean View Realty Group
For additional information about
Ormond By The Sea rental homes and condos
contact Deanna Thomas, our rental specialist
ovrentals@aol.com
Thinking of buying or selling
an Ormond By The Sea home or condo?
Contact Realtor Marion O'Connor, Rhonda Lehnen, or Shonda Stebleton at
ovforsale@aol.com
Ormond By The Sea home and condo owners....................
picture your property here for rent or for sale by Ocean View Realty Group.
Contact Ocean View today. At Ocean View one call does it all!
Vacation rental information is on our vacation rental web site at
www.OrmondBeachCondoRentals.com
Ormondy vacation rental Condo
www.ormondycondo.com
Also visit our Seawinds Penthouse vacation rental condo web site www.SeawindsPenthouse.com
Toll free--USA and Canada 1-800-356-3409
Phone 386-441-8245
fax 386-441-2407
mail to:ovrealty@aol.com
