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Wednesday, December 26, 2007

Showcase your Viera, Suntree and Rockledge Florida home to attract buyers

More doom and gloom stories showed up to day in the headlines. Let's see...prices declined for the 10th straight month. Is that a surprise? No, not really.

With the inventory of homes at or near record highs, the competition among motivated sellers remains strong.Sellers need to differentiate their property from the others. Pricing competitively is certainly one way to do that. But there are other ways to make your home stand out from the rest.

Of course, pricing at or near the market is critical but a seller needs to do more. Preparing the home for sale by fixing the "little things" is one way. Working on that landscaping, putting on a new, fresh coat of paint s another. Staging the home by de-cluttering and arranging the contents to show its strengths is another.

As a seller, nothing detracts from a home more than it not being clean and ready for that spur of the moment showing call. Buyers have a lot of properties to look at so you must be ready when they are....ready to showcase your pride in the home!

While this is still the slow time of the year, there are still buyers out there. Prepare your home and be ready to make the most of the opportunities that present. Good luck!

If you are looking to buy or sell real estate in the Brevard County area, it would be my pleasure to assist you in any way possible. Feel free to contact me, Gary Waters, licensed real estate agent, with Century 21 Baytree Realty Melbourne Florida. I proudly serve the Rockledge, Viera and Suntree areas of Brevard County. Make the move to Brevard County Florida - Florida's Space Coast! I can be rached by telephone at 321-255-2600 or by email at .

Monday, December 24, 2007

Wishing you a wonderful Christmas - From Brevard County Florida

It is Christmas Eve in Brevard County, Florida. With the temperature hovering around 70 degrees it is perfect weather for Christmas in Florida. No snow, no sleet, no hail. I took my son's Boston terrier, Diesel, for a walk this morning. Shorts and tee shirt, pleasant Florida weather.

I usually post about the real estate market in Brevard County, Florida. Not today, though. As we seek to enjoy the holiday with family and loved ones, let us take a few moments to reflect on the reason for this season.

As families gather tonight and tomorrow, let us also think, and thank, those who are unable to be home for Christmas. They may be serving in the armed forces. They may be working tomorrow protecting us and providing vital services to their communities.

So, if you have the chance to say thanks to all those serving our needs, please do so. And, enjoy the holiday season.

Wishing you the best for 2008!

Thursday, December 20, 2007

To rent or buy in Viera, Rockledge or Suntree Florida?

Should I rent or buy right now? I was asked this question last night by a young man whom I had been sending rental listings to over the past month. This is a difficult question to answer right now.

Being real estate agent in the Brevard County, Florida area for some years now I had to think about my response a little. This young man is a little bit younger than my own son. If my son asked me this same question, how would I respond? I answered this question the same way I would advise my son.

Look at your budget. If you are financially able to commit and know what you are getting into, then try to purchase. If the payment range fits your budget and the houses available are suitable, why pay rent. There are benefits to home ownership that are better than renting.

I recommended he speak with a lender, look at the monthly expenses and how long he plans on holding the property. If his intent is to sell within a year or two, don't buy. If you plan to hold the property for three to five years, then look at the market.

Over the long haul, real estate has appreciated, notwithstanding the recent decline. Home ownership is a long term obligation....consider this decision wisely. And then decide for yourself.

I do not know the direction he will go with his decision. I could be greedy and just see a potential sale, but that is not me. My goal is to meet my client's needs - not my own!

If you are looking to purchase a property in Viera, Rockledge or Suntree Florida, please give me a call. I will be happy to email you listings, recommend lenders to speak with, and, above all else, or do what I can to assist you.

Gary Waters, Florida licensed real estate agent, Century 21 Baytree Realty, Melbourne, Florida 32940. Email me at or give me a call at 321-255-2600 office.

Tuesday, December 18, 2007

Find your Brevard County Florida information here!

I appreciate all the visitors I get to this blog. The purpose of this blog is to promote the real estate market in Brevard County, Florida. Specifically, the central county areas of Rockledge, Viera and Suntree

Recently I have changed to settings on this blog to prevent comments. The reason is simply to stop a few frequent visitors who find it necessary to add links within their comments that refers readers back to their own real estate sites. Now these sites are mostly outside of the United States. Some folks find it necessary to do anything to increase their links and, hopefully, their own search engine rankings. For those of you who were using my site to promote your own....good bye. Find another site to "use."

For those of you who are looking for information and have a question, please feel free to send me an email at .

And, as the Christmas Day draws near, God bless and all. And, have a wonderful 2008!!

Gary Waters, Florida licensed real estate agent, Century 21 Baytree Realty, Melbourne Florida 32940.

Monday, December 17, 2007

Foreign Buyers See Value in Purchasing Florida Properties

Buried on page 3C of the Sunday Florida Today newspaper was an article regarding the purchase of Brevard County properties by foreign buyers. This is really no surprise as the favorable exchange rate has made the purchase of U.S. goods, including real estate, much more desirable for overseas buyers.

For years many folks have visited the central Florida region for its wonderful attractions and great climate. Now, instead of just visiting, some are deciding to purchase that holiday or vacation home. Why not?

I have not personally seen an influx of buyers but the number of inquiries I receive from overseas parties have increased. There are numerous maintenance free communities in the area which do draw the attention. A maintenance free community relieves the overseas purchaser of the concerns of having to worry about lawn maintenance and some other daily ownership issues. Likewise, there are some great values in beachside condos!

Not only does the favorable exchange rate bode well but also the relaxing of prices over the past year or so. Homes are selling now at lower prices than they have for some time. Coupled with lower interest rates, these foreign buyers are recognizing the value.

If you are a resident of the United Kingdom, France, or another overseas country (Canada as well!) and think that an investment if Florida real estate is something you would like to consider, please feel free to contact me.

I am a Florida licensed real estate agent with Century 21 Baytree Realty in Melbourne Florida. I can be reached at 1-800-651-6940 or by email at . Read some of my other postings here.

Gary Waters, Realtor

Sunday, December 16, 2007

I spoke with a seller today who wanted to list their Viera, Florida home. It was a nice home located in a newer development in one of the most desirable central Brevard County, Florida locations. Now this was a pretty nice home...three bedrooms, two baths with a pool. Only a few years old, too.

But....I did not take the listing. Why? They were wiling to pay the commission. They were willing to let me put a lockbox on the property. The photos would have looked nice on the internet. Why, then?

The price. They wanted to list for at least $40,000 more than the market price. Folks, the market sets the price. Not the sellers. Not the real estate agent!

If you are looking to sell, really sell then you must price your property competitively. Your real estate agent should be YOUR expert. Your real estate agent should show you the comparatives and tell you the truth. When your real estate agent does realistic!

If you do not want to sell, then don't. This is a market economy where the market sets the price...not the real estate agent. Wishing for the old days of the seller commanding a high price and buyers beating down the door will not sell your home in this market!

If you really do want to sell your home, then price it correctly. If not, don't cause yourself the frustration of not having your home sell or shown for that matter!

If you are considering selling your Viera, Rockledge or Suntree home, give me a call. I will provide you with a price right analysis that will get your home sold...or you don't owe me a penny! I will tell you what I belive...not what you want to hear to get your business! After all, I don't make anything unless I sell your home...period!
Gary Waters is a Florida licensed real estate agent with Century 21 Baytree Realty, Melbourne Florida. Contact him at 321-255-2600 or by email at .

Saturday, December 15, 2007

How do you select your Rockledge and Viera Florida Realtor?

Choosing your real estate agent is the most important step in your real estate transaction. Whether you are looking to sell your home or purchase a property, the real estate agent you select will either make your transaction a pleasant experience or a nightmare.

The agent you select must have several key characteristics. What are some of these traits? First of all, local market knowledge is paramount. Find an agent who specializes in your area. If your transaction involves Viera, Suntree, Rockledge or other Central Brevard County Florida areas, find an agent who works these areas. Brevard County, like most others, is a rather large area and it is difficult to know all areas well.

Being an expert in an area involves more than just being a member of the County association of Realtors. Most agents have a general knowledge of the market but not the nuts-and-bolts knowledge of the area. If you are looking for an auto mechanic or garage for a BMW you don't just chose someone who knows about cars in general. No, you look for that business with experience in BMW automobiles!

The same holds true for real estate agents. Find the one who knows your specific product. Your product is a home in your desired neighborhood, if buying. If selling, find an agent who has sold in your area.

I may not have the expert knowledge in a particular area but I will refer you to a knowledgeable expert in that area. One of the sure signs of a professional is that any professional, regardless of business, knows their limitations.

If you are looking for a real estate agent in the Viera, Suntree and Rockledge areas, give me a call. If you are looking for an expert in the other areas of Brevard County, call me. I will put you in contact with that expert!

Gary Waters is a Florida licensed real estate agent with Century 21 Baytree Realty, 8195 N. Wickham Rd, Melbourne, Florida.

Thursday, December 13, 2007

I want a home in Rockledge Florida!

I had a call like this yesterday. This person was calling from the northeast United States. I inquired what they knew about Rockledge, Florida and the immediate area. They said they knew a lot and felt comfortable with their decision to relocate.

These folks are not retiring. The husband is in business for himself and works primarily from or out of his home. OK, I asked what they liked about Rockledge. Lets see - its proximity to Orlando International Airport; its proximity to I-95; its excellent schools (Rockledge High School, Viera High School and more); the small town feel; its proximity to the beaches; the weather; the cost of houses. OK, enough said, they like the area and will be moving in early 2008! Great for me.

Now my job is easy - find that house that will be perfect. Actually, that may be harder as there are a lot of great homes on the market these days. But that is OK - I love my job!

If you are looking to relocate to Brevard County Florida, let me assist you. I specialize in Rockledge, Viera, Suntree and North Melbourne. But, I also know Merritt Island and the beachside communities of Cocoa Beach, Satellite Beach, and Indialantic!

Gary Waters, Realtor, Century 21 Baytree Realty, Melbourne FLorida. Our agents serve all of Brevard County Florida! Contact me by phone at 1-800-651-6940 or by email at .

Wednesday, December 12, 2007

Investor Bargains in Brevard County Florida

This morning I conducted a BPO (a broker's price opinion) of a property located in Cocoa, Florida. A broker's price opinion is an opinion of value conducted for banks and other lenders. It is not an appraisal as a licensed appraiser must conduct these.

I took a look at the property, did a walk through of the house, shot some photos of the neighboring properties, a street scene photo and about six photos inside the house. Not really an extensive inspection but a look that would give me a pretty good idea of its condition versus similar properties.

Situations like this usually arise when a property is nearing foreclosure. This particular property was most likely suited to an investor purchase. With right skill and funds, it could turned into a reasonable rental property or even "flipped".

As the number of foreclosures appear to be rising in Brevard County Florida, I encourage investors to take a look at the opportunities. This is not the time to "try your hand at it" but if you are experienced and know what you are getting into, go for it.

If you are looking for investment property in Rockledge, Suntree, Viera and other central Brevard County areas, give me a call. I will be happy to send you listings that may be of interest to you.

I can be reached at Century 21 Baytree Realty, Melbourne Florida by phone at 321-255-2600 or by email at

Sunday, December 09, 2007

Getting to know your prospective communiity

I was speaking with another real estate agent yesterday afternoon. He had just given me a call to see how things were going. I was in the midst of repairing a small leak under my kitchen sink. It is now a very slow drip but that is another story!

I inquired as to what he was doing on a Saturday afternoon in Brevard County Florida. After all, it was sunny, blue skies and about 80 degrees or so. A very nice day!

Well, he was in Rockledge showing houses to out of state buyers who were in town for one day. I must point out that Rockledge is a very nice community in central Brevard County. I live in Rockledge and love it!

He did not feel good, I could tell. He said it was a nagging cold. He was on his way to Palm Bay (25 miles or so to the south) to show more houses. I am not sure the nagging cold was the real issue. I believe it was the fact he was now being a tour guide. I have been there myself.

When you are considering a move to a new area, what is the best approach? I suggest you correspond with your chosen real estate agent. I suggest you ask for a local map and general information. You probably will not have to ask for it. I suggest you meet with your agent, perhaps get some general areas identified and then go exploring on your own.

It can be exciting to find yourself around and see what is out there. Take notes for further evaluation later. Making a decision on an area is more than a one day event. Most folks do not make a decision based on only one day in the county.

Give yourself a few days, if possible. Identify the area, ask questions, see properties and then make a decision. Buyers have specific wants and needs. Don't get rushed! (If you don't have time to make an informed decision, then why not look for a short term rental?) And then, when you are ready, start the search!

If you are moving to Brevard County and need information, please feel free to contact me. When you arrive in the area, explore. Explore knowing that I am still here - just not looking over your shoulder. And, when you are familiar with the area, we will start looking!

Please feel free to read my other posts at . Srop me an email at .

Saturday, December 08, 2007

Keep track of the homes you have viewed, please!

How many houses can you see? There are a tremendous number of homes on the market in Brevard County, Florida right now. Close to about 7,400 single family units are listed for sale on the Brevard County MLS. Lots to choose from, right?

When you start looking at homes it is necessary to keep good notes. You will find properties you will cross off your list as well as "possibilities." How do you remember which is which unless you develop a simple record keeping system. What is the easy way?

Just ask your real estate agent to provide a customer print out for each property. As you go through the house, make mental notes of the things you like and those you dislike. Upon leaving the house immediately make notes on the MLS sheet of the pertinent points. Your real estate agent will probably ask you your opinion at some point.

My preferred method is to have my clients follow me in their own vehicle. Folks can be just so darn nice and will not openly discuss a property in front of their own agent. I ask my clients to have a frank discussion on the way to the next property. I tell them that when we arrive at the next home I will ask their opinions of the previous property.

I find this allows the open communication and valid feedback. If I am showing a client properties I need to know if I am on the right path. If I am showing properties that do not meet their needs, I am wasting their (and my) time.

So, as you collect your information, log you likes and dislikes, provide "real" useful feedback, you are able to narrow your choices. The ones that are not a consideration, please throw the listing paper information away! I want to assist you in finding that perfect new home. You are really nice people and I hope you like me but, please let's bond after the closing!

If you are looking for that perfect home in Viera, Suntree or Rockledge in Brevard County Florida, please give me a call for assistance. Either myself or one of my colleagues at Century 21 Baytree Realty will be happy to provide any assistance you desire.

I'm not jobless - I am a Realtor!

As a real estate agent I am often asked about my day. Specifically, in this time of slower real estate sales people want to know what I do with my time. Sure, I may not always be out showing properties to potential buyers or doing a listing presentation to prospective sellers, but that does not mean I am not working!

A real estate agent has many tasks that must be performed each day. So what are some of these activities? Let's see. First, any good real estate agent must always be knowledgeable of the local market so the multiple listing service activity must be monitored. An agent needs to know what the new listings are, properties that have had the prices reduced, and other market activity. This must be done each day.

There are mailings to be done regarding new listings. newsletters need to be prepared and mailed to "farm" areas. Calls must be followed up on. Emails need to be sent as many folks correspond with real estate agents via email.

Advertising must be submitted for publications. MLS entries may need to be refreshed with new comments or photos. Virtual tours must be prepared.

Continuing education courses must be attended and completed to remain knowledgeable (and licensed!). Community support activities must be attended. Many real estate agents are active in churches and community organizations. Family activities, children school events must be a part of the day!

Writing web logs such as this one must be completed. Somewhere around 80% of buyers find their home or real estate agent on the internet. An internet presence must be a priority - each day! Where do these agents post these "blogs?" A few great resources include , , , and others. They are everywhere!

There are other activities such as floor time in the office (people still walk in or call the office) and open houses (people still stop by open houses). And let's see.... vacant listings need to be checked. Follow up calls to showing agents, feedback from showings provided to sellers, and more!

And, lest I forget, tremendous energy must be placed into existing contracts to make sure the closing happens as scheduled. Home inspections to be done, repairs to be handled, communication with lenders and title companies involved, attending closings, thank you letters, etc.

Yep, when you look at the activities required of a real estate agent, even in the slow times, you will find the Realtor busy, not jobless!

Looking to move to Brevard County Florida? Give me a call and let me assist you. There are values to be found in Viera, Suntree and Rockledge as well as throughout the county.

Gary Waters is a Florida licensed real estate agent with Century 21 Baytree Realty, 8195 N. Wickham Rd., Melbourne Florida 32940, toll-free 1-800-651-6940.

A REALTOR is a member of the National Association of Realtors (NAR).

Friday, December 07, 2007

Some Great Deals in Rockledge and Suntree areas of Brevard County!

This morning I was posting to my other blogs. Yes, I have a few other blogs as well as this one. I posted a couple of properties that my office Broker has listed for sale. This was with his blessings, I assure you!

Anyway, I had not taken a really close look at these properties before although I am very familiar with the area. The first property was located in Rockledge in the Meadow Creek subdivision. Three bedrooms two baths two car garage built in 1998 for only $222,900! What a great deal in Rockledge!

The other property was in the Suntree area of north Melbourne. It is a courtyard home, three bedrooms, two bath, two car garage with a pool on .51 acres - all for $299,500! There are a couple of other properties for sale in this neighborhood for thirty thousand dollars more! What a great deal!

There are lots of values to found to be found in the Brevard County area. If you are looking to buy a home in Rockledge, Viera or Suntree? Call me! Looking to sell your Rockledge, Viera or Suntree home? Call me. It would be my pleasure to assist you in any way possible!

Gary Waters, licensed real estate agent, Century 21 Baytree Realty, 8195 N. Wickham Rd, Melbourne Florida. Drop me an email at and visit my web site . The office number is 1-800-651-6940.

Thursday, December 06, 2007

Selling in Brevard County, Florida? Be realistic but not greedy

Do you ever find yourself watching game shows on television? I must admit I have watched a few over the years. A trait I see often in the contestants seems to be greed. This greed often leads them to losing most, if not all, of their "winnings." In real estate I see similarities when dealing with some sellers and buyers.

Back in the days of the "seller's market" many sellers were asking unbelievable prices. And these sellers were reaping the benefits of a market with many buyers chasing fewer properties. These sellers were commanding and receiving a premium for their property.

Times have changed, folks! If you are selling or considering selling your home in this market, consider this...If you are truly motivated to sell, price it right and forget about a premium. I have heard the market is what it is - a buyer's market.

With the inventory in Brevard County, Florida still high, buyers have a lot to choose from. You must price that home realistically and prepare to sell it.

How do you prepare a home? First, clean it. I have heard it said that if you can smell it, you can't sell it! Also, what about that curb appeal? Make your home appealing to the potential buyer from that initial time they see it. Make them excited about the opportunity to see what is inside.

As a seller this not the time to be greedy!

Gary Waters is a Florida licensed real estate agent with Century 21 Baytree Realty in Melbourne, Florida, toll-free 1-800-651-6940, email at .

Title Insurance - Protect yourself

I attended a meeting of the Rockledge, Florida city council meeting last night. The major reason for my attendance was my interest in a proposed multi-family housing development near my residence. I will disclose I am opposed to this development, Hammock Harbor, a 124 unit complex which will, in my opinion, negatively impact the local area.

Apparently many others share this sentiment as it was standing room only. The matter was not decided last night for one reason - some question regarding ownership/title to the 10+ acres of land. Why is there a question? I am not aware of the details but it sounded as if there was a portion of the property with issues. Either way, it was tabled, for now.

This reinforces an issue that we face every day in real estate. That is, delivery of clear title. When you purchase a property it is imperative that a title search be conducted. Clear ownership is necessary for property to change hands.

And, even if the title search shows shows no problem, it is necessary that a Title Insurance policy be obtained at closing. Why? Title insurance protects you, the purchaser, and the lenders involved, from a claim that occurs later own that clouds ownership of the property. Most, if not all lenders, require title insurance be obtained at closing. When you purchase any real estate be sure to obtain adequate title insurance - owners protection and lenders protection.

Title insurance is not expensive. In Florida the rate is promulgated by the state. The rate is $500 for the first $100,000 of value and $5 per thousand thereafter. Don't worry about calculating the cost. Call your real estate professional or any title company and I am sure they will provide the policy costs. Remember, this is only a portion of closing costs.

I am not an attorney so this should not be considered legal advice. Rather, as a real estate professional, I feel obligated to advise all purchasers to obtain title insurance. If you have questions regarding title policies, I encourage you to contact a real estate attorney.

If you are considering a move to Brevard County Florida I am available to assist you. Please give me a call at Century 21 Baytree Realty, Melbourne, Florida at 1-800-651-6940 or email me at .

Wednesday, December 05, 2007

Do real estate agents charge buyers?

Twenty dollars an hour, one hour minimum. That sounds like a reasonable charge, doesn't it? But when you select a Realtor to work for you when you are searching for that new home, guess what? Most real estate agents, including myself, don't charge you anything to help find that new home!

Many first time home buyers do not understand the way Realtors work. In the usual arrangement the seller is the party paying real estate agent fees. As a buyer you do not put out any money. So what do I ask for when you call me to help you find that new home? Not a great deal, if you are a motivated buyer. What do I want in a buyer?

First, I want a motivated buyer. I want you to really be serious. How do I know if you are motivated? Initially, all I ask is that you have either already talked with a lender to get pre-approved for a mortgage or if you are a cash buyer then all I want is some sort of proof that the funds will be available. A bank letter, a statement from an investment company, some documentation as to your ability to make the purchase. This step shows me, and the seller when the offer is presented, that you have the means to close the transaction. Sellers do not want to negotiate a contract that will not close!

What else do I look for in a buyer? I would like my buyer to know, or at least have a good idea as to what they are looking for. If you are new to an area call your real estate agent to seek information. Realtors are a wonderful source of information in the area they serve!

Determining your requirements can be a challenge. This is the point where you have to prioritize. Only you know what the requirements are, what the nice to have characteristics are, what you can live without, what is minimally important, and what is not important. Are schools important? What about the commute time to work, shopping, church or whatever? What about the age of the property? What about the neighborhood restrictions, if any? Only you will know what you can live without!

I work primarily in the Central Brevard County areas of Florida's Space Coast (Rockledge, Viera, Suntree, Lake Washington). Moving to Brevard County? Contact me for information and I will either get the answer or find the answer. Buying a home can be an exciting time. If the time for you is now, let me assist you.

After all, it does not cost you, the buyer anything!

Gary Waters is a Florida licensed real estate agent with Century 21 Baytree Realty, Melbourne Florida. Toll free telephone is 1-800-651-6940, email .

Tuesday, December 04, 2007

RUN to buy that Brevard County Florida Home

I was reading a couple of posts on that excellent real estate web site this morning. A couple of posts discussed the buying opportunities in particluar parts of the united States. I thought about the opportunities here in my area - Florida's Space Coast, Rockledge, Viera, Suntree and others.

Yes, the opportunities are enormous. Why?
  • Reasonable interest rates. Check them out. Where are they at? About 6% or so, perhaps less for some adjustable rates.
  • Unbelieveable prices. The prices have dropped tremendously. Why not buy that house at 20-40 thousand dollars less than your new neighbor.
  • Negotiable sellers. The competition is keen. Sellers want to sell. And, more importantly, they are willing to negotiate on the price.

So, what do I say? Get yourself a professional Realtor and RUN to buy that house in Brevard County, Florida!

Gary Waters is a Florida licensed real estate agent with Century 21 Baytree Realty in Melbourne Florida. he may be reached at 321-255-2600 or toll-free at 1-800-651-6940. Drop an email to .

Sub Prime Mortgages, Foreclosures and Brevard County Opportunities

I was just reading another article regarding sub-prime mortgages and the possible government bailout program being discussed. I am in the real estate business. The business of helping buyers find that new home or selling the current home. I am not a politician or a crusader for any particular side of this issue.

I am seeing first hand what these adjustable rate loans are doing to folks. In the Brevard County Florida market, like many others throughout the country, I am seeing and talking with lots of homeowners who are discussing foreclosures and short sales. A lot of those being pinched right now were indeed speculators but a lot are also "regular folks" who got caught up unsuspectingly in the buying frenzy. The price increases of a few years ago had to stop and they did!

Regardless, the issue of sub-prime mortgages needs to be addressed. Homeowners do not want to see the homes in their neighborhoods sold at "fire sale" prices as it will impact the long term value of their own homes. Lenders certainly don't want, nor can they be expected, to maintain a bunch of vacant homes, unprotected. So, what do we do?

I don't have the answer. I am not sure if anyone does. Some say, they (the borrowers and lenders) made their bed, so let them rest in that bed! Some say, we must do something to maintain values. Some just don't care. Taxing authorities don't want to see their tax base eroded further. Everyone has their own position - from denial to "so what" to its a "national crisis." Again, I don't have the answer. But....

In the interim there are bargains to be had for the discerning buyer and very patient buyer. Some of these lender owned properties take a long time for the sale to close. If you are patient, have good credit or cash (cash is good!), and want to find a home in Brevard County, please contact me.

There are bargains in some of the most desirable areas of the County such as Viera, Suntree and other areas!

Back to my points on the mortgage mess... I don't have the answers. I am in the business if helping folks. Send me an email at if I can help.

Gary Waters, Realtor, Century 21 Baytree Realty, Melbourne, Florida. Please read some of my postings at

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