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Thereisdefinitely no fooling around with property taxes

Ines Hegedus-Garcia FSBO WATCHOUT can pick and choose. Is President Franklin Roose- 2019 Residential President BY EDITH LANK Dear Edith: Iwould there atime of year that velt, to help homeowners MIAMIAssociationofRealtors Creators Syndicate urge anyone doing aFSBO houses sell for the most buy homes with low down (”for sale by owner”) to be money? —F.N. payments. Lenders can South Florida’s Quality Schools Boosting Edith: My 83-year-old careful when showing his Families like to move safely make loans of up to Real EstateMarket aunt pays $3,000 ayear in or her house. Remove with the school year, and 97 percent of thevalue of Most families with children decide on where to buy ahome by the quality of house taxes. Her house is valuables! Also consider the spring pickup may start the property, because the local education, and South Florida boasts some of the nation’s top schools. paid off. She lives in it. She removing bank state- as early as February. Six FHA insures them against wants to defer payments of ments/past income tax months before you intend loss in case in case of fore- MIAMI Realtors can provide home buyers with key information on public and private schools. MIAMI offers its members more than 225 products and the taxes. forms. Not everyone is a to move is almost amini- closure. services to better serve consumers. Visit www.MiamiRealtors.com/greatschools Let’s say she passes nice person, and I’ve heard mum for best results. Even Yes, an FHA mortgage away in five years. When too many stories about if satisfactory buyers ap- can be agreat way to get Top-Performing Public and Private Schools the house gets sold, will jewelry going missing after pear promptly, paperwork into ahome. The down Miami-Dade County Public Schools (MDCPS) is the largest and the $15,000 she will then having people look at a involved in their mortgage payment is sometimes as arguably most acclaimed urban school district in the United States. owe get taken right off of house. application, and the dove- low as 3percent. In any MDCPS is home to 392 schools and 345,000 students. District students speak 56 different languages and represent 160 countries. Miami Dade the sale? Someone told her Ialways enjoy your col- tailing of your needs with case, it’s less that 5per- County Public Schools receive more National Magnet Schools of Merit she would lose the house. umn! Thank you. —S.S. theirs, can result in prob- cent. FHA mortgages are Awards than any other school district nationally. Also, if she decides to defer Well, Ihave said, “Al- lems if you’re pressed for intended for owner-occu- taxes, does she need to fill ways stay in sight” when time. pants and can be placed on Broward County Public Schools (BCPS), the first fully accredited school system in Florida since 1962, offers 236 schools, centers and out certain paperwork to showing your house. one- to four-family dwell- technical colleges. notify the state? Thank Areal estate agent —or, FHAMORTGAGES ings. you! —Anonymous if this is afor-sale-by-own- Ms. Lank: This is our Insurance premiums to Nineteen South Florida high schools ranked among the 31 top schools You don’t say where er, amember of the family first time buying ahome, protect the lender can run in Florida with the most students among the 2015-17 graduating classes of Harvard, Princeton and MIT, according to PolarisList. Ivy league your aunt is located, but in —should accompany each and our Realtor says we more than 2percent of the diplomas are astrong indicator of future success. any area, unpaid property viewer or group. If others should get an FHA mort- loan, payable at the start. taxes start to collect penal- show up to view the prop- gage. He just says it’s the As few FHA borrowers The top-two high schools in Florida with the most Ivy League grads are ties immediately. Your erty, they can wait in the best kind for us. Can you have extra cash lying in Broward County, and five of the top-10 are in South Florida counties: #1 Pine Crest School (private- Fort Lauderdale); #2 Cypress Bay High aunt would owe alot more living room. It won’t hurt explain why he said that? around, this sum can be School (public- Weston); #2(tie) Ransom Everglades School (private- than $15,000 after five to build anticipation. —N.and M. R. added to the amount bor- Miami); #7 St. Thomas Aquinas High School (private- Fort Lauderdale); years, and the authorities The Federal Housing rowed. and #8 Miami Palmetto Senior High School (public- Miami). wouldn’t wait that long. BESTSELLING TIME Administration is an agen- Eight of the 10 best private schools in Florida are located in South Most likely her house Ms. Lank: We raised our cy of the federal Depart- Contact Edith Lank at Florida counties, according to the 2019 rankings by Niche.com: #1 Pine would be seized and put up family in this house for ment of Housing and Ur- www.askedith.com, at Crest School (Fort Lauderdale), #2 Ransom Everglades School (Miami), for auction in atax sale many years, and it’s all ban Development. It was [email protected] or at #3 American Heritage School (Plantation), #4 American Heritage School long before that. paid off. We’ve decided to established —ifIremem- 240Hemingway Drive, (Delray Beach), #5 Carrollton School of the Sacred Heart (Miami), There’s no fooling move to asenior residence, ber right —during the Rochester NY 14620. #6 Gulliver Preparatory School (Miami), #8 NSU University School around with property taxes. but we’re not in arush. We Great Depression by then- (Davie) and #9 David Posnack Jewish Day School (Davie). Robust Colleges, Universities Greater Miami ranks as the eighth-largest “college town” in the and some plates won’t fit on that.” Bagozzi said. “After completing a nation because of its 438,000 full-time and part-time students. Florida FROM PAGE 3C International University in Miami ranked as the No. 2public university There are many options for making kitchen renovation, many customers in the state, according to the Florida Board of Governors in 2018. The better use of space and keeping the wish they had added more. Akitchen University of Miami ranked as the 53rd best university in the nation, CABINETS kitchen organized. Some of them are project is abig undertaking, but in according to U.S. News &World Report rankings for 2019. pull-outs for trash and recycling the end, you want your vision ware, Santulli said. But remember, containers and small appliances, brought to life and you want it to be Ines Hegedus-Garcia Related ISG International Realty what’s inside will always be visible. Lazy Susans for corner cabinets, and highly functional.” (305)758-2323 “You have to be willing to keep them built-in separations for cutlery. Remember, what’s trending today [email protected] clean.” That’s not all: “There are new prod- may be out of style tomorrow. Hardware is important. “It’s jew- ucts, including pull-out spice cabinets “One of the most common mis- elry for furniture,” Santulli said. and upright cookie tray organizers takes homeowners make when “Ten- to 12-inch pulls are the hottest that fit in narrow spaces,” Bagozzi choosing kitchen cabinetry is selec- thing now. They go vertically on said. “Mop and broom closets offer ting astyle, acolor or finish that is doors and horizontally on drawers. convenience and can be built into the now,” Sallick said. “Cabinetry, good Brushed nickel is still popular, and side of oven or pantry cabinets. Wire quality cabinetry, is an investment, brass is back.” baskets on slides will make your deep and it should be something that is cabinets easily accessible.” timeless that you’ll want to live with ON THE INSIDE for 20 years. Not only should it work Flexibility can mean convenience. DOING IT RIGHT in harmony with the rest of the kitch- “Look for adjustable shelving,” Fein- Take time to do the job right. en, but also complement the overall berg said. “Be aware of the width of “The kitchen is one of the most aesthetic of the home.” shelves—12 inches is standard depth, highly used spaces in the home,”

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[email protected] 786-797-5887 -305-573-5353 •Various Sizes Avail 305-527-3331 305-527-3335 [email protected] 2255 SW 32 AVE Retail/Storefront MIAMI BEACH $600 SEC DEP 2nd Floor •1440 SF $2,150 MIAMI BEACH HOME 1ST TIME 2/2 OCEANFRONT CONDO Neat and very clean apartments!!! All incl RENT, CAM, TAX ON THE MARKET IN 20 YEARS! FOR RENT 195071st Street www.caribenational.com For Sale By Owner $1,650,000 or lease 1and 2Bedrooms available Caribe National Realty Corp. $7,000/mth. 441 W. 62nd St. Miami from$1,150 305-593-0587 Realtor Beach, FL (REALTOR.COM). Open TEXT LIA (305) 834-1057 House Saturday 10AM- 3PM, 5bdrm/4.5 ba, heatedpool, 11,335 SF lot. Central A/C, Laundry, ample 786-774-2318 [email protected] parking lot, common areas going under major improvements!! LOCATION -LOCATION -LOCATION in the heart of Normandy Isle, just blocks away from the beaches and all the attractions in thearea

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