November | December | 2010 | 1

November | December | 2009 | 1

.com

ESTERO | BONITA SPRINGS | NAPLES

NOVEMBER | DECEMBER 2010

Market Shows Promise for Homes $1 Million and Up

The Southwest Florida
real estate market faced some
significant challenges in the third
quarter. The first time home
buyer tax credit ended at the end
of June, for one thing. We knew
that would cause sales to fall off
a little bit in the third quarter.
News of the oil spill in the Gulf
also caused a slow down, despite
the fact that the oil never came
ashore in our part of the state.
My point is, we had a lot
to overcome during the third
quarter, yet the statistics seem
to promise that we are already
bouncing back. Closed sales
dropped slightly, which we
expected, but there were also
some encouraging findings. Life
appears to be coming back into
the real estate market for homes
priced at $1 million and up,
which is big news, considering
that the primary focus in the
market has, for a while now, end of the third quarter, we confidence in the market, since
been on competitive pricing. had 9,834 homes on the market, the category has suffered a
Furthermore, inventory has which is less than a year’s supply pretty significant slow down as
dropped to less than a year’s – an amount that is generally emphasis was placed on more
supply, and new listings are down considered to be a balanced competitive pricing.
as well, which seems to indicate a market. As we come into our Although the third quarter
balanced market. busy season, the number of new statistics do show some expected
You may remember the D. Michael Burke, p.a. listings have gone up, but still setbacks due to the oil spill and
impressive increases in closed Estero /Bonita Springs/Naples remain substantially lower than the end of the home buyer tax
sales during the first two quarters Luxury Real Estate Expert in previous years: During the credit, the news is largely good.
of 2010. There were 2,470 closed third quarter, we were seeing 1.6 With a much healthier level
sales during the first quarter new listings to every pended sale, of inventory and increasing
quarter didn’t suffer as much
for Naples, Bonita Springs, and up just slightly from 1.3 in the confidence in the $1-million-
of a slow down as one might
Estero, 43 percent more than previous quarter. (Compare this and-up category, the market is
think, given the end of the tax
first quarter 2009. The number to 4.7 new listings per pended gaining strength as we go into
credit and the concerns over
of closed sales increased another sale during third quarter 2007.) our busy season. The numbers
the oil spill. There were 2,049
20 percent during the second The third quarter was the most never lie! To discuss the current
closed sales, which is of course
quarter, to 3,099. We expected promising for sales of homes trends in more detail, or to gain
a substantial drop from the 3,099
to see dramatic increases like over $1 million, however. The more insight on how they will
of the second quarter – but not
this as the first time home buyer number of closed sales in this affect your plans to buy or sell
bad when you consider that in
tax credit neared its end, of category has now increased for during the next quarter, please
the same quarter last year, there
course, and we also expected that four straight quarters, which has don’t hesitate to call me. Please
were only 2,304 closed sales.
sales would drop sharply in the also generated a slight increase be sure to see the charts and
More importantly, though,
following quarter. in the average and median sales graphs in our Special Market
inventory remains low. At the
As it turned out, though, third prices. This shows an increasing Reports insert.

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baths and tropical, tranquil lake views and golf course beyond. This estate home will take your breath away
from exterior’s pre-cast stone, columns, accent trim to interior’s exquisite decorating, with marble floors, crown
molding, faux paint, butler’s pantry, custom built-ins, zero edge pocket doors, coffered ceilings. Dramatic 2-story
living room, fireplace, picture windows with tropical views beyond the open lanai with summer kitchen and
gas heated zero-edge pool/spa to the lake. Extravagant marble stairway, rod iron/wood railing leads to the
loft with 2 bedrooms, private baths and balconies. Gourmet kitchen, custom cabinetry, accented island, granite,
stone backsplash tile, built-in paneled state-of-the-art appliances, stainless steel double oven, 6-burner gas stove
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5462. Gorgeous sprawling custom estate home with outstanding architectural features, extravagant upgrades and
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under air, 10,914 total sf, 4 bed+den, 4 full and 2 ½ baths, 4 car garage. Relish in the exterior’s columns, landscape
lighting, mahogany front door and lanai with fireplace, finished wood dome ceiling, travertine stone floor, summer
kitchen. Interior’s exquisite decorating, travertine and marble floors, crown molding, custom built-ins, zero edge
pocket doors, coffered ceilings. Living room, fireplace, vast miter windows with tropical views beyond the open
lanai’s heated custom built-in pool/spa and fountains to the expansive lake. Gourmet kitchen, butler pantry, custom
cabinetry, granite countertops, stone backsplash tile, built-in paneled state-of-the-art appliances, 6-burner gas stove
top. 2 guests bedrooms with private baths and additional guest cabana with private entry off lanai. Master suite,
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with marble and tropical private atrium beyond. Offered at $2,550,000. Call Michael 239 498-7600.

To have Your Home Featured In the Next Issue Call D. Michael Burke, P.A. 239.498.7600

To:
Bonita Springs, FL 34134
24851 South Tamiami Trail, Suite 1
Keller Williams Elite Realty
PERMIT NO 815
FT MYERS, FL
PAID
U.S. POSTAGE
PRSRT STD.

www.CoconutPointRealEstate.com
Web site owned and maintained by Michael Burke of Keller Williams Elite Realty, Bonita Springs, FL 34134
2 | November| December | 2010
Healthy Living
Living Waters Loves ...
By Pastor Ed Ivie, Lead Pastor,
Living Waters Community Church
Please, Don’t Interrupt Me
Have you ever really thought about how much we hate to
be interrupted?
I know for me I can get really focused at times and do not
want to be distracted away from what I am doing. Interruptions
come in all different shapes and forms. Interruptions are just
part of life. How do you handle the interruptions of life,
especially when things do not seem to be going your way?
There have been plenty of moments in my life where I have
felt like my time and work were being infringed on only to
find out later that it was an opportunity in camouflaged.
As we move into the holiday season I am reminded of
the first Christmas. It is truly a story about interruptions.
Mary, a virgin girl who was to marry Joseph, finds out that
she is pregnant having never slept with a man. Interruption.
Stay Centered And Stress-Free
This Holiday Season
(ARA) - One of the best parts of the holiday season
is spending time with loved ones, relaxing and
catching up over dinners and celebrations. Finding
gifts for everyone on your list, wrapping presents and
sending out holiday cards may not seem stressful on
the surface, but according to a recent survey by Lindt
Chocolate, more than half of women say these are
the most stressful parts of the holiday season. While
these are often necessary holiday tasks, they can be
draining and take the focus off of unwinding and
truly enjoying the season.
It's important to remember to re-center and de-
stress during the holiday season - after all, it is the
most wonderful time of the year. While techniques
for doing so may differ, one in three women say they
would indulge in premium chocolate to de-stress
during the holiday season. While tackling the most
daunting tasks of the season, following these tips can
help you feel more centered:
* Save time and paper by sending holiday e-cards
with a favorite family photo, instead of mailing cards.
Friends and family will surely appreciate the personal,
eco-friendly gesture, and it will also help save money.
EstEro | Bonita springs | naplEs
.com
Publisher
Joyce Bunting
joyce@CoconutPointPress.com
Executive Editor
D. Michael Burke, P.A.
Michael@CoconutPointRealEstate.com
Assistant Editor
Shelly Burke
Shelly@CoconutPointRealEstate.com
Market Report Editor
Justin Jordan
Justin@CoconutPointRealEstate.com
Street Address
CoconutPointPress.com
24851 South Tamiami Trail, Suite 1
Bonita Springs, FL 34134
Call 239-498-7600
Or visit us on the web at
www.CoconutPointPress.com
Joseph has his life planned out, knows where he is going until
the unthinkable happens. Interruption. The shepherds, wise
men and innkeeper all experienced interruptions. These were
not normal everyday interruptions, however, these were God
interruptions. It was a loving God intervening in the lives of
men and women by sending His Son Jesus as the Savior for
all mankind winning back the heart of humanity and restoring
our relationship to God which had been separated by sin.
Perhaps your interruptions could be part of God’s plan
for your life. Take time to stop and think and see if God Living Waters Community Church,
is trying to get your attention. Maybe your interruptions are 27911 Vermont Street, Bonita Springs, FL 34135
really opportunities in disguise for you to know Jesus Christ www.livingwaterscc.com
the Son of the living God.
Merry Christmas.
With 55 percent of women saying financial stress
keeps them from having a stress-free holiday season,
saving a few dollars can make a huge difference.
* Forget about dealing with the finicky tape
dispenser and wrapping paper and channel the
stressful holiday "chore" of wrapping to a good cause.
Spend a small fee and have presents wrapped by a
local store or mall. The fee is often donated to a local
charity, and it will be a feel-good, justifiable expense.
You can also purchase elegant, ready-to-gift options
which save you even more time and look beautiful.
* Since 31 percent of women say lack of ideas for
holiday gifts has gotten in the way of having a stress-
free holiday season, opt for simple gift cards. Add
a personal touch by adding the recipient's favorite
chocolate, like a smooth-melting Lindor Truffle to
replace a traditional bow.
* While purchasing gifts for everyone this year,
enter friends for a chance to win $5,000 from Lindt
by buying them a bag of Lindor Truffles. This simple
gesture could make a loved one's dreams come true
this holiday season, with the help of a cash prize.
For more information about Lindt and the "What's It’s important to remember to re-center and de-stress during
at the Center of Your Dreams?" giveaway, visit www. the holiday season – after all, it is the most wonderful time
Lindt.com. of the year.
AVENUE1410 166-0
TM
Timeless cool
/ TM Radio. Different.
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It’s Timeless Cool!
The Avenue is a multi-genre mix of music featuring a balanced
blend of classic, contemporary cool that you won’t hear anywhere
else. We call it Timeless Cool. We think that you’ll find it refreshing
and different, The Avenue is a mixture of vocal based jazz and blues
designed to reach upscale, well educated adults 35 and older.
Find us on the dial in Lee County @ 1410AM and in Collier County @ 1660AM
www.avenuefla.com

cook | koŏk |
verb
1 [trans.] prepare (food, a dish, or a meal) by combining and heating the ingredients
in various ways. Shall I cook dinner tonight?
Bacon-Wrapped Potato
Homemade Beef Stew
Bites With Spicy Sour
Cream Dipping Sauce
Ingredients
2 pounds beef stew meat, cut into 1½-
inch cubes and patted dry
2 tablespoons whole-wheat flour
Kosher salt and freshly ground pepper to
taste
3 tablespoons olive oil, divided
4 cups low-sodium vegetable broth
1 medium Florida onion, chopped
2 medium Florida tomatoes, diced
1 tablespoon fresh Florida thyme leaves,
or 2 teaspoons dried
6 Florida carrots, peeled, halved
lengthwise, cut into 1-inch pieces
3 medium Florida potatoes, peeled and
cut into 1-inch cubes
¼ cup minced Florida parsley leaves
Method
In large bowl, toss beef cubes
with flour, salt and pepper. Warm 1
tablespoon oil in large, heavy saucepan.
Add half of the meat in a single layer
without crowding the pan. Brown on all
sides, about 5 to 7 minutes. Remove beef
and transfer to a bowl. Add ¼ cup of
the broth to pot and stir with a wooden
spoon, scraping loose any browned
bits on the bottom of the pan. Transfer
cooking liquid to bowl with meat.
Repeat cooking procedure with another
1 tablespoon oil and remaining meat.
Add remaining 1 tablespoon oil to pot
over medium-low heat. Add onion and
cook 5 minutes, stirring occasionally.
Return reserved beef and juices to the
pan. Add remaining broth, tomatoes
and thyme. If necessary, add water to
cover. Increase heat and bring to a boil.
Reduce heat to medium-low, cover and
simmer 1 hour.
Add carrots and potatoes to pan.
Let simmer, covered, 45 minutes or until
beef is very tender and vegetables are
cooked through. Add water, if needed,
to bring stew to desired consistency.
Serve hot with biscuits and garnish with
parsley.
Happy
Thanksgiving!
November | December | 2010 | 3
Apple Crisp
Ingredients Ingredients
1 pound small or medium red potatoes 1 cup all-purpose flour
1 1/2 teaspoons chopped, fresh rosemary 3/4 cup rolled oats
1 tablespoon olive oil 1 cup packed brown sugar
1/2 teaspoon salt 1 teaspoon ground cinnamon
Freshly ground pepper 1/2 cup butter, softened
12 ounces-to-1 pound thick-cut bacon 4 cups chopped peeled apples
1 cup (8 ounces) sour cream 1 cup sugar
1 teaspoon hot sauce 2 tablespoons cornstarch
1 cup water
Method 1 teaspoon Spice Islands®, All
Preheat the oven to 400 degrees. Natural, No Corn Syrup Added,
Wash and dry the potatoes. Chop them Pure Vanilla Extract
into 1-inch pieces, keeping the chunks roughly Vanilla ice cream, optional
the same size, even if they aren’t the exact
same shape. Put the potatoes in a medium Method
pot, cover with cold water, and bring to a boil. Photo by: Taste of Home
Season the water with salt. Once the water 8 Servings
begins to boil, cook the potatoes for about 3 Prep: 20 min.
to 4 minutes, until you can stick a fork into them Bake: 1 hour
without too much resistance. You want the In a bowl, combine first four ingredients.
potatoes to be almost, but not fully, cooked Cut in butter until crumbly. Press half into
through (so they won’t fall apart during the a greased 2-1/2-qt. baking dish or a 9-in.
next steps). square baking pan. Cover with apples. In
Drain the potatoes and put them in a a saucepan, combine sugar, cornstarch,
large bowl. Add the rosemary, olive oil, salt, water and vanilla; cook and stir until thick
and a few grinds of pepper, and toss until the and clear. Pour over apples. Sprinkle with
potatoes are evenly coated. remaining crumb mixture. Bake at 350°
Cut the strips of bacon in half (with a short, for about 1 hour or until the apples are
vertical slice). Wrap each piece of potato in a tender. Serve warm, with ice cream if
half-strip of bacon, securing it with a toothpick. desired.
Put the potatoes on a baking sheet lined with
parchment paper or aluminum foil. You may
need to cook the potatoes in two batches.
Cook the potatoes for 15 minutes, then flip
each piece. Cook for another 10 to 15 minutes,
until the bacon is cooked through and crisp.
Mix the sour cream and hot sauce in a small
bowl. Season with salt and pepper. Pile the
potato bites on a plate and serve alongside
the dip.
239-948-1147
McClain Home Inspection, LLC
& Home Watch Service
Home Inspections from $199.00 • Home Watch Service from $20.00/mo.
Web Site: www.grmcclain.com E-mail: glenn@grmcclain.com
Certified Home Inspector
4 | November| December | 2010

Sharing ... Design “Tips of the Trade”

with Georgina Ryan ... Local Interior Design Expert
Ryan Design Group has the Interior Decorating and Design skills necessary to assist you in creating the Image and Lifestyle you have always wanted. This Design
Group led by Georgina Ryan, President and Lead Designer who is servicing clients from Naples and the Keys to Boston and Cape Cod.
She is a member of the Interior Design Society and has over 28 years of industry experience in Interior Design and has an extensive background in project management.
She is highly accomplished in the arts and design field having received local and national recognition with numerous awards and featured publications.
Ryan Design Group has a business model focused towards the discerning tastes of the sophisticated client who is looking for top quality service and outstanding design
abilities.
Georgina attributes the continued success of Ryan Design Group to the consistency of service and attention that she and her design staff give to each individual client.
Georgina would love to hear from you! Georgina@RyanDesign.Net ; Office 239-992-5800 or visit her website at www.RyanDesign.Net

The New Trend is You

Wanna be trendy? Then be yourself! have a piece of furniture
Decorating trends have been consistently moving custom-designed for you.
toward more personal styles. Which means there are Customized furniture is
fewer rules to follow. You get to choose pieces that feel becoming more and more
good to you. Not because they are the correct items to popular. Imagine having
fit a certain style, but just because you like them. a sofa or table that is the
Choose One-of-a-Kind Elements perfect size, shape, color,
Opt for custom-designed furniture. Instead and pattern – and with all
of shopping at mass-produced furniture stores, the exact details you want!
Reinvent existing
pieces. You can add tassels
and trim to upholstered
items, apply unique
moldings to tables and
cabinets, or paint wooden
furniture.
Shop at flea markets,
antique fairs, and estate
sales. The pieces you find
will be much more unique
than what you get at the usual store.
Create your own accessories. The interest in hand-crafted materials continues to grow. So why not craft your
own piece? It will not only be one-of-a-kind, but it will have special meaning to you and your family – and be a great
conversation starter for guests!
Use a designer. Professional designers and decorators have access to many more resources than you have as a
homeowner. They are able to help you select and create a truly customized pieces from a wide variety of fabrics,
trims, and other materials.
When you combine new technology with your own imagination, you can create a truly distinctive, one-of-a-kind
home. How trendy. How YOU!
 November | December | 2010 | 5

Simply Puzzling
Crossword!
Across 50. Type of fish
1. Spoil 51. Desperate
4. Highly excited 52. Appropriate
8. Land measure 55. Celestial body
12. In this place 58. Level
13. Starchy plant 60. Stately
14. Sedimentary rock 62. Dart
16. Exhort 64. Adjoin
17. Arab ruler 66. Complain
18. Heathen 67. Pretext
19. Surly 68. Replete
21. Type of meat 69. Redact
23. Despatch 70. Facilitate
24. Optic 71. Woody plant
25. Object of worship 72. Mesh
27. Prevarication Down
29. Iniquity 1. Festive
30. Long fish 2. Debate
31. Also 3. Coral ridge
34. Intense dislike 4. Consumed
37. Adverse criticism 5. Frolic
38. Chafe 6. Type of window
39. Finished 7. Bloodshed
40. Seabird 8. Small snake
41. Inventor of this pen 9. Pursue
42. Trash can 10. Fury
43. Couple 11. Panache
45. Pass by, in time 12. Enormous
47. Peculiar 15. Conclusion 26. Carried out an action 45. Hearing device
48. Edge 20. Basketball number 28. Kind or sort 46. Form of security
49. Principal 22. Insect 29. Stray 49. Unit of time
30. Moose 50. Traverse

Sudoku!
31. Journey 51. Suspend
32. Belonging to us 52. Dwelling
33. Woodwind 53. Twisted hair
34. Tramp 54. Portable shelter
35. Eager 55. Droop
36. Keep watch 56. Genuine
37. Animal coat 57. Elaborate song
40. Target 59. Immense
41. Prohibition 61. Portent
43. In favor of 63. Small
44. Assistant 65. Golf peg

Puzzle Answers on page 15

Guaranteed Methods To Redirect the Conversation

At Thanksgiving Dinner
1. During the middle of the meal, turn to mom and say, “See mom, I told you they
wouldn’t notice that the turkey was four months past its expiration date. You were
worried for nothing.”
2. When everyone goes around to say what they are thankful for, say, “I’m
thankful I didn’t get caught” and refuse to say anything more.
3. Load your plate up high, then take it to the kitchen, toss it all in the blender, and
take your “shake” back to the table. Announce that it’s the new Thanksgiving Weight
Loss Shake
4. Prepare a several hour long speech to give when asked about your thankfulness.
If necessary, insist that no one leave or eat until you have finished the speech.

Where the Old World

Meets the New World
Come In And Check Out Our New Menus! •
•
Coffee Service
Gourmet Coffee
NOW • Breakfast • Lunch • Dinner • • Pastry Platters
SERVING: • Dessert Paninis • Beer & Wine! • English Teas
¾ Brewista Coffee House offers our customers only the finest Coffee • Customer Appreciation Card
available using top quality beans from around the world. • Gourmet Chocolates
¾ Our Teas are imported from England offering a richer and fuller • Free WI-FI Service
tasting tea. • Chai Teas
¾ Try our Chai Teas, all natural Fruit Smoothies with no preservatives
• Free Pet Water Bowls
or additives, Gourmet Cocoa, Incredible Pastries & Desserts and
Gourmet Chocolates. • Cocoa
¾ We offer FREE WI-FI Service to our customers and for customers • Live Entertainment
joining us outside with their pets we offer free Pet Water bowls and • Smoothies
doggy treats.

10%
Your order of $10 or more. Not
¾ We can cater your meetings for up to 30 guests in our establishment.
Please see Shellanne for details. valid on Merchandise purchases.
Cannot be combined with any

OFF
¾ We offer live entertainment on select weekend nights, please look
for postings of dates. other offer. One coupon per
¾ Come join us. Relax and enjoy our Old World Style Atmosphere. family. Must be original coupon.

239-495-5500
10020 Coconut Road, Suite 130, Bonita Springs, FL 34135
Corner of Coconut Rd. & Three Oaks Parkway next to Sweetbay
6 | November| December | 2010

Home Hints
Green May Be The New “Black”…
But This Isn’t What They Meant
If you’ve lived in Florida for more than a day,
you’ve likely walked into a home that smelled a little
‘off’, a little musty. Many people dismiss the odor
as just the humidity… it just comes with living in
Florida.
The truth is that musty smell isn’t normal, it won’t
go away and it could be causing you health problems
such as:
• Allergies and Infections
• Mold can irritate mucous membranes
• Volatile compounds (VOCS) produced by mold
can cause headache, attention deficit, inability to
concentrate and dizziness
• Some molds produce toxins that can suppress
your immune system, with systemic effects on your
skin, lungs and intestines.
Both the National Association of Home Builders
and The U.S. Environmental Protection Agency
agree, the only way to control indoor mold growth
is to control moisture. And, an ounce of moisture

several sources inside and outside the home. Here are
the most common signs to look for:
1) Condensation or rusting around a pipe
2) You can hear running water, when nothing is
turned on
3) Running toilets and dripping faucets
4) Abnormally high water bills
5) Discolored or damaged walls
6) Warped flooring
7) Condensation on or around your windows
If you are not sure, trust your nose. If you notice
a damp, unpleasant smell, call your contractor
immediately to locate the leak and repair it
immediately. The longer a leak is present, the more
likely mold will surface.
PBS Construction has been serving Southwest Florida to handle all of your green needs. For more information
since 1986. With 3 LEED Accredited Professionals and a contact John Buehler at (239)643-6527 or JBuehler@
Certified Mold Inspector on staff, the firm is well equipped pbscontractors.com.

prevention is worth several pounds of reaction.
If mold does have a chance to infest your home, the
toll that it can take on your pocket book, health and
the future value of your home can be devastating.
In Florida, the two most common causes of mold
are humidity and water intrusion. The good news
is that when leaks are fixed quickly, you can easily
avoid the headaches and hassles of a mold problem.
Your air conditioning system can be your first
line of defense against the Florida humidity. When
allowed to run on auto, the air conditioning unit is
naturally removing humidity from your home.
The system does need regular maintenance,
including sanitizing the cooling coils, emptying
the drain pan, and properly changing filters. Many
air conditioning contractors offer a maintenance
agreement so that you have one less thing to worry
about.
Besides high humidity, the most common cause
of mold is water intrusion – which can come from
To all Realtors:
During recent home inspections, an issue has arisen that
we wanted to bring to your attention. When completing
the Wind Mitigation Inspection, which we include at no
cost with any single-family home inspection, we have to
document the permit number to verify an updated roof.
A roof installed after February 2001, can result in a very
nice discount for homeowners insurance. If there is no
permit found, your client will not receive credit for the
roof. This could cause problems when attempting to secure
homeowners insurance on a particular property. It could
result in much higher premiums than expected or problems
with getting homeowners insurance at all.
In addition, sometimes a roof is installed without a
permit or the permit is not closed, which means there is no
county inspection. As a result, the roof may be considered
not in compliance with county codes. In some cases,
Collier and Lee counties are following up on un-permitted
improvements on houses and charging back the permit
costs to the current owner, which could fall on your client.
We suggest that the permits are investigated and
considered prior to entering into a contract to purchase the
property. If no permits are on file, the seller can produce
the appropriate documents from the roofing company in
order to verify the installation information on the roof.
There is also a process by which the seller can “cure” the
permit problem by having an inspection done by the county,
and as a result a permit can be open and closed, at this time.
You may check permits issued on properties locally at
www.leepa.org for Lee County and http://apps.colliergov.
net for Collier County.
If you have questions please contact us: Kevin and
Jennifer Barry, Orion Home Inspections Inc., 239-898-2939
or Kevin@orionhomeinspections.com.

CAppraisals,
LIBER Inc.
Alan R. McCrank
St.Cert.Res.REA RD6367
Covering Lee & Collier Counties
www.leecountyappraisers.com
www.bonitaspringsappraisers.net
239-571-1706
amccrank@embarqmail.com
Professional Appraisal Services
¥ M a r k e t Va l u e ¥ E s t a t e P l a n n i n g ¥ B a n k r u p t c y / E s t a t e
¥Divorce Settlement ¥PMI Removal ¥FHA/USDA

ESTERO | BONITA SPRINGS | NAPLES
Grandézza, Estero
6246. Enjoy this beautiful great room floor plan
with, 4 bedroom+den, 2 bath, 2291 under air, 3159
total sf. Numerous upgrades, impressive tray ceilings,
tile on diagonal, hardwood and carpet flooring,
decorator ceiling fans/fixtures, 8ft solid doors,
plantation shutters. State-of-the-art kitchen, stainless
appliances, built in oven, rich granite countertops,
tile backsplash. Fabulous expanded lanai with built-
in electric heated pool/spa offering tranquil, private
preserve views. Offered at $454,900.
Call Michael 239-498-7600.
Grandézza, Estero
4114. Beautiful spacious great room floor plan, 3 bed+den,
3 bath, 3-car garage, 2655 sf under air, 3700 total sf. High
ceilings, archways, niches, tile in main living areas, window
blinds. Kitchen w/42” cabinets, decorative tile backsplash,
breakfast nook. Grand great room with sliders leading out
to the paver lanai, built-in pool/spa, flower bed, beautiful
tropical landscaping and golf course views beyond. Master
bedroom w/two closets, exquisite French door entry to the
lanai and private master bath, w/large tiled walk-in shower.
Offered at $499,000.
Call Michael 239-498-7600.
Spring Run at the Brooks,
Bonita Springs 1651. Turnkey, immaculate first floor 2 bed, 2 bath,
1376 sf under air, 1788 total sf coach home with
attached. Perfect for the avid golfer offering bundled
golf. Spacious kitchen, raised white cabinetry and
appliances opens to living room with wall-wall
sliders leading to the tiled lanai with decorator ceiling
fan with gorgeous vast lake views. Located in Spring
Run located within walking distance to the new
Coconut Point Mall with shopping, movie theater
and fine dining. Offered at $209,000.
Call Michael 239-498-7600.
Villa Trevi - The Colony,
Bonita Springs 3083. Stunning 2-story Villa in private enclave of The
Colony, 4 bed, 4.5 bath, 3685 under air, 6363 total
sf. Gorgeous Mediterranean architecture, tropical
courtyard, lush landscaping, cabana, built-in pool/spa
with views of sprawling lake. Offering only top of the
line upgrades and designer decorated throughout. 1st
floor with marble floors upon entrance, rich hardwood
flooring in the living, dining room. Fabulous gourmet
kitchen, double stainless steel built-in refrigerator and
wall ovens, granite counter-tops, gas 6-burner stove
with griddle. 2nd floor with vast master bedroom, large
dressing area, gorgeous bath and private French door
entry to the beautiful terrace. 3 additional terraces and
2 guest suites with private baths, all offering tropical
views. Short sale. Offered at $975,000.
Call Michael 239-498-7600.
Castella At The Colony,
Bonita Springs 3111. 3 Bed, 2.5 bath quiet/private 6th floor
penthouse for the distinguished buyer with 2373
sf, under air/2911 total sf with gorgeous views of
Estero Bay/Gulf of Mexico. Decorated throughout
with upgrades, including hand scraped maple
hardwood floors, granite counter-tops, designer
fixtures/ceiling fans, crown molding, tile. Kitchen,
rich granite, high end built-in paneled appliances,
wall oven, 5-burner cooktop, cherry recessed panel
cabinets, under mount lighting, glass tile backsplash,
just stunning. Two guest suites, with a unique Jack-
n-Jill connecting bath and one with entry to terrace.
Offered at $599,500
Call Michael 239-498-7600.
November | December | 2010 | 7
REAL
ESTATE .com
Grandézza, Estero
8933. Estate home with 4 bed+den, 4.5 baths, 3495
under air, 4867 total sf, with 3-car garage. Beautiful,
spacious home with numerous upgrades. Tile in
main living, crown molding, silhouette blinds,
window treatments, variety of tray ceilings formal
dining and living room. Gourmet kitchen, built-in
stainless appliances, paneled cabinetry, breakfast
nook with dramatic miter windows. Family room
corner-corner sliders leads to expansive paver
lanai, built-in pool/spa with gorgeous lake views.
Offered at $1,000,000.
Call Michael 239-498-7600.
Shadow Wood at the Brooks,
2633. 3 Bed+Den, 3.5 Bath, 3,014 under air, Bonita Springs
5,693 total sf courtyard home w/beautiful
expansive views of lake, golf course &
woods. Numerous upgrades thru-out, crown
molding, plantation shutters, tile, hardwood
floors, custom built-ins, Bose surround
sound. Stunning gourmet kitchen, w/granite
countertops, 42” cherry cabinets w/crown
molding, decorative tile. Offered at $699,000.
Call Michael 239-498-7600.
Grandézza, Estero
1690. Turnkey PLUS included 2002 Chrysler
Sebring convertible, first floor, 3 bed, 2 bath,
1654 sf under air, 2000 total sf carriage home
with attached garage. Tile, carpet, window
blinds throughout. Spacious kitchen, with
breakfast area open to living room and wall-
wall sliders leading to the lanai offering tropical
views of golf course and beautiful 53 sf club
house. Master bedroom with private entry
to lanai, nice size private bath and large tile
walk-in shower. Enjoy this condo located in
Sabal Palm, a subdivision Grandezza, offering
it’s own private pool and community center.
Offered at $189,900.
Call Michael 239-498-7600.
Spring Run at the Brooks,
2314. Turnkey, second floor unit, 2+den, 2 Bonita Springs
bath, attached garage, 1811 under air, 2221
total sf Coach home. Beautifully decorated
in a tropical décor, accented painted walls
throughout, berber carpet, tile floors, decorative
window treatments and blinds. Large kitchen,
backsplash tile, white paneled cabinets, large
eating area. Cozy living room with wall-wall
sliders and tile lanai with tropical views of
the golf course and tranquil lake, wooded and
landscape area beyond. Enjoy a round of golf
with this unit where bundled golf is included
in the community of Spring Run. Offered at
$295,000.
Call Michael 239-498-7600.
8 | November| December | 2010
Spring Run at the Brooks,
Bonita Springs
Bonita Bay, Bonita Springs
Rapallo at Coconut Point,
Estero
Shadow Wood At The Brooks,
Bonita Springs
Grandézza, Estero
Twin Eagles, Naples
Visit www.CoconutPointRealEstate.com for Additional Pictures of These and Other
2265. Enjoy this 2nd floor, 2 bed, 2 bath, 1333
under air, 1511 total sf, Carriage home. Perfect
for avid golfer with bundled golf and fantastic
amenities. Vaulted ceilings, recessed lighting,
upgraded carpet in main living areas, spacious
eat-in kitchen. Large living room with sliders
leading to the tile lanai with wonderful views of
the golf course and lake. Conveniently located
to airport, walking distance to Coconut Point
Mall with shopping, casual and fine dining.
Offered at $169,000.
Call Michael 239-498-7600.
3142. This 2 bed+den, 2 bath, 2050 sf under,
3467 total sf, Key West style home features
an outstanding 1500 bottle climate controlled
wine room w/tasting table. Discriminating
details and custom finishes and upgrades
throughout. Gourmet kitchen, built-in
appliances, granite counters, cabinets w/crown
and accented paned inserts. Great room with
fabulous built-in entertainment center and
impressive beamed ceilings and beautiful inlaid
marble floors. Added bonus with lower level 4
car garage. Offered at $399,000.
Call Michael 239-498-7600.
3839. Mediterranean inspired 3 bed, 2 bath 1979
sf under air, 3142 total sf Villa. Stunning paver
loggia w/rod iron fence, 10’ ceilings, tile, berber
carpet. Kitchen, with café’ eating area, cabinets
w/crown molding & drop lighting. Grand living/
dining room, expansive corner-corner sliders
leading to the lanai/courtyard with built-in summer
kitchen with large lake and soothing fountain views.
Located in the resort style community of Rapallo At
Coconut Point with numerous amenities. Offered at
$339,000.
Call Michael 239-498-7600.
2283. Furnished, Courtyard, 3 bed+den, 3
bath, 3154 under air, 5701 total sf, home. Rich
in details and upgrades, with gorgeous views
of golf course and woods beyond. Designer
decorated, plantation shutters, window
treatments, faux paint, hardwood, tile floors,
built-in’s, plus much more. Gourmet kitchen,
stainless steel appliances, built-in range, rich
cherry cabinets w/crown molding, granite
countertop. Formal dining and living room and
beautiful den. Paver courtyard, built-in pool/
spa, flower beds. Offered at $799,995.
Call Michael 239-498-7600.
5029. Beautiful 2 bed+den, 2 bath, 1478 sf,
1904 total sf, Carriage home decorated in
a tropical decor’ throughout. Tile, designer
window treatments, decorative light fixtures/
fans, accented painted & papered walls, vaulted
ceilings, radio/intercom throughout. Large
kitchen, cabinets w/crown molding, rope
lighting, breakfast bar, & large open window
archway with views into the spacious living/
dining room . Master bedroom, large walk-in
closet, expansive windows & private entry to
the tile lanai with tranquil views of golf course
and vast lake beyond. Offered at $209,000.
Call Michael 239-498-7600.
2918. Build your own custom estate home
on this large lot on the 10th fairway in this
exclusive golfing community, w/two golf
courses designed by Nicklaus & Player. Private
community offers miles of scenic walking
trails, biking paths, parks, gardens, 47,000 sf
clubhouse, Har-Tru tennis courts, fitness club,
dining & has hosted the ACE Group Classic &
PGA Champions Tour! Offered at $99,000.
Call Michael 239-498-7600.
Choose success. Ch
ESTERO | BONITA
Few real estate agents are as driven as
committees, this multi-million dollar prod
involved. Whether you are selling or bu
state-of-the-art marketing methods, inte
satisfaction. His drive to succeed is tempe
Choose Michael Burke
as your real estate agent, and sit on th
Shadow Wood at the Brooks,
Bonita Springs 6295. 3 bed+den, 4 bath, 3525 sf under air, 6503 sf total.
Featuring the builders custom designs & upgrades thru-
out w/variety of tray ceilings, crown molding, custom
tile floor, tile inserts, miter windows, hand forged front
door, plantation shutters, custom built-ins, designer
decorated window treatments. Gourmet kitchen w/
stainless built-ins, 6 burner gas stove top, tumbled stone
tile backsplash, granite counter-tops. 2 guest suites w/
private baths, master suite w/2 large walk-in closets, 4
section tray ceiling w/crown molding, Lanai w/pavers,
summer kitchen w/built-in grill, refrigerator, sink.
Fireplace & zero edge heated built-in pool w/cascading
spa & fountain w/views of the 7th fairway, 2 large lakes
& the 6th fairway beyond. Offered at $1,390,000.
Call Michael 239-498-7600.
Miromar Lakes, Miromar Lakes
9052. Custom home, 4 bed+den, 5.5 bath, 4355 sf
under air, 6707 total sf. Marble & bamboo flooring,
custom raised cherry cabinetry & built-ins, red onyx
counter-tops, crown molding, surround sound, tray
ceilings, the list goes on! Gourmet kitchen, 42”/48”
cabinets, sub-zero refrigerator, 48” wolf dual-fuel
oven/range, butler pantry. Lanai, zero edge pool,
sun shelf, spa, kitchen, fireplace, pool bath, & private
boat dock w/lake views. Exquisite 1st floor master
suite & bath w/marble & cherry cabinetry & 2nd
floor bedroom suite, bath, leisure room, kitchenette
& terrace. Offered at $2,500,000.
Call Michael 239-498-7600.
LaScala - The Colony,
Bonita Springs 2353. 4,260 sf under air, 5140 total sf, 3 bed+den,
3.5 bath designed by an artist whose vision for detail
is masterful. Grand Foyer featuring a hand-painted
mural with copper and gold accents. Living Room
with a forever view of Estero Bay and Gulf of
Mexico. Trellised ceiling, mirrored wall panels of
the formal Dining Room, metallic glass inlays in the
Kitchen and Family Room, and carved glass doors
in the Den add a visual dimension unlike any. Master
Suite with its European trim and two additional
Bedrooms provide family/guest’s desired privacy.
Offered at $1,727,000.
Call Michael 239-498-7600.
Shadow Wood at the Brooks,
Bonita Springs 9680. First floor, 2 bed+den, 2 bath Coach
home w/attached two car garage located in
a private exclusive community. Numerous
upgrades, w/plantation shutters, blinds, crown
molding, tile, decorative fans and electric
shutters off the lanai just by a push of a
switch. Kitchen w/decorative backsplash tile
and breakfast bar looking into the warm casual
dining area. Expansive sliders from dining and
living room lead to tiled lanai with beautiful
tropical views of the golf course and large
lake. Offered at $289,900.
Call Michael 239-498-7600.

REAL
ESTATE .com
hoose
SPRINGS Michael.
| NAPLES
s Michael Burke. A member of numerous local real estate
ducer keeps tabs on the local market by staying intimately
uying, Michael brings to the table strong negotiation skills,
egrity, and the ambition it takes to achieve 100 percent
ered only by his understanding of his clients’ needs.
he side of success.
Miromar Lakes, Miromar
0442. Great room floor plan in this beautiful
penthouse with 3 bed+den, 3.5 bath 2832
under air sf, 3836 total sf, two car attached
garage. Tray ceilings, rope lighting, gourmet
kitchen w/stainless steel built-in appliances,
gas 6 burner cooktop, tile backsplash. Stunning
tiled wrap around balcony with outstanding
lake views & private tiled balcony of the guest
bedroom. Located in the exclusive community
of Miromar Lakes with 700 acres of freshwater
lakes, clubhouse, golf course, European spa,
tennis courts and fitness. Offered at $599,000.
Call Michael 239-498-7600.
Shadow Wood At The Brooks,
7190. Tranquil water and golf course views in
this 3 bed+den, 3/2 bath custom home. Tile on
diagonal, in-lays, built-ins, crown molding, tray
ceilings, plantation shutters, zero edge sliding
doors, fireplace, plus so much more. Gourmet
kitchen, built-in appliances, cabinetry w/crown,
granite countertops, gas cook-top. Breakfast
room w/2-story cathedral ceiling accented in a
wood finish. Master suite, sitting area w/tropical
water views, walk-in closets. Master bath, makeup
area, his/her granite vanities, step down walk-in
shower w/tile and in-lays throughout. Lanai w/
summer kitchen, built-in grill, granite, built-in
pool/spa and pool bath. Offered at $1,190,000.
Call Michael 239-498-7600.
Shadow Wood At The Brooks,
6239. Beautiful estate home, 3 bed+den, 3 ½ bath,
3-car garage. Lime stone flooring, custom built-ins,
plantation shutters, crown molding, array of tray
ceilings, designer window treatments and fixtures.
Gourmet kitchen, maple cabinets w/crown, built-in
appliances, granite countertops, stone backsplash,
gas cook top. Great room, custom built-in
entertain center, disappearing sliders expanding to
outdoor living area w/built-in pool/rock style spa.
Summer kitchen, built-in grill, granite countertop,
gas fireplace. Master suite, sitting area, French
doors to lanai. Luxurious bath with marble his/her
vanities, center tub, walk-in shower surrounded in
tile and in-lays. Offered at $1,250,000.
Call Michael 239-498-7600.
Rapallo At Coconut Point, Estero
8805. Enjoy a resort lifestyle in this 3
bedroom, 2 bath, attached garage, 1732 under
air, 2196 total sf coach home. 10’ ceilings,
tile on diagonal, designer fixtures, plantation
shutters and blinds. Spacious open-concept
kitchen, stainless appliances, cabinets w/crown
molding, granite counter-tops. Tile lanai with
gorgeous tropical water with fountains and
wooded views. This Mediterranean inspired
Community offers an outstanding abundance
of amenities. Offered at $275,000.
Call Michael 239-498-7600.
SW Florida Homes or Call D. Michael Burke, p.a. 239.498.7600 for More Information
November | December | 2010 | 9
Stoneybrook, Estero
9586. 4 bed+den, 3 bath, 3-car garage, 2609
sf under, 3706 total sf. on the end of a cul-
de-sac. Formal dining, living room, casual
family room, oversized 4th bedroom w/private
bath, tile, miter window, intercom/stereo, rich
6” crown molding, decorative plant ledges.
Sliding doors throughout leading to the lanai
bringing the tropics indoors add to the appeal
of this home. Lanai, built-in heated pool, pool
bath and golf course, lake views with a SW
exposure offering picturesque sunsets. Short
Sale offered at $349,900.
Call Michael 239-498-7600.
Rapallo at Coconut Point, Estero
2640. Mediterranean inspired 3 bedroom+den,
2376 sf, 3712 total sf Villa. 2-story ceilings,
plantation shutters, tile on diagonal in main
areas, accented tile. Kitchen paneled cabinets
w/crown molding, stainless steel appliances,
granite counter tops drop lighting. Living
room, wall-wall sliders leading out to the lanai
w/private built-in pool, views of lake and
fountain. 2nd Floor private bedroom & bath
with jetted tub, kitchen area & spectacular loft
leading to private balcony and tropical views
beyond. 1st Floor master suite w/2 large walk-
in closets, private sliding entry to the lanai/
pool. Offered at $439,000.
Call Michael 239-498-7600.
Mirasol,
6522. Gorgeous beach front and lake views in Miromar Lakes Beach
this 3 bed+den, 3.5 bath, 2429 under air, 2841
total sf. High ceilings, 5 ¼” crown molding,
archways, tile in main living areas, security system,
2 lanai’s. Kitchen w/granite counter-tops, gas
cook top, built-in wall oven, 42” cabinets w/
crown molding, tile backsplash. Living/dining
area w/wall full of sliders leads to the tiled lanai
w/tranquil lake, beach, clubhouse/pool views.
Master suite, his/her walk-in closets, sitting area,
entry to 2nd balcony and private bath w/marble
vanity, roman soaking tub, large walk in shower.
Two family/guests bedrooms, both w/private
baths. Offered at $699,900.
Call Michael 239-498-7600.
Grandézza, Estero
Bonita Springs 2862. First floor carriage home w/attached
2 car garage, 3 bed, 2 baths, 1647 under air,
2256 total sf. Beautifully decorated with
a tropical décor. Newly installed bamboo
laminate flooring in great room, dining & den,
accented paint on walls w/artist added custom
accent, window treatments thru-out. Kitchen
cabinets w/crown, breakfast nook w/large
windows & slider leading to lanai w/electric
shutters. Spectacular views of an expansive
lake, tropical landscaping & golf course. Seller
willing to provide a $10,000 credit towards
golf membership. Offered at $265,000.
Call Michael 239-498-7600.
Spanish Wells, Bonita Springs
Bonita Springs 5221. 3 bed+den, 3 bath, 3-car garage, 2505
sf, 4974 total sf home surrounded by tropical
landscaping, numerous lakes and golf course
views. Brazilian cherry hardwood floors,
crown molding, 5 ½ wood base boards,
plantation shutters add to the appeal of this
home. Gourmet kitchen, cabinetry w/triple
accented crown molding, built-in stainless steel
appliances, cook top, granite counter-top, glass
mosaic backsplash. Exquisite master bath,
granite countertops, shower w/glass block
enclosure and marble mosaic tile. Lanai, pool
bath and built-in pool. Offered at $529,000
Call Michael 239-498-7600.
Shadow Wood At The Brooks,
9440. Perfect layout for your family and guests Bonita Springs
in this 4 bedroom + den, 3.5 bath, great room
floor plan with 2453 sf under air, 3150 total sf.
Dramatic 2-story ceiling, 18” tile on diagonal,
plantation shutters, designer window treatments
and fixtures. Spacious kitchen, convection built-
in oven, cook top, 42” cabinets, backsplash tile,
granite counter-tops. Den and master suite
on 1st floor with tray ceilings surrounded in
rich crown molding. Gorgeous sprawling lake
and wooded views from the lanai with built-
in heated pool/spa offering complete privacy.
Offered at $565,000.
Call Michael 239-498-7600.
10 | November| December | 2010

REAL
ESTATE .com

ESTERO | BONITA SPRINGS | NAPLES

Shadow Wood At The Brooks, Shadow Wood At The Brooks,

Bonita Springs 5784. 2nd floor condo with attached garage. 3 bed,
2 bath, 2040 sf, 2476 total sf. Carpet, tile, blinds,
window treatments, high vaulted ceilings. Great
room and breakfast nook both with vast sliders
leads to the lanai with tropical landscaped views
and golf course beyond. Master bedroom, vaulted
ceiling, private entry to lanai, large walk-in closet.
Ample room for your guests in the two additional
bedrooms, with one extremely large in size which
may also be used as a den or media room. Offered
at $322,900.
Call Michael 239-498-7600.
3864. Beautiful 3 bedroom+den, 3.5 bath, 3360 sf, Bonita Springs
4753 total sf, Southern exposure courtyard, built-
in grill, granite, built-in heated pool/spa, cabana,
private bath. Rear patio with Eastern exposure
offering tropical, picturesque views of sprawling
lake and preserve. Designer window treatments,
plantation shutters, tile, faux paint, crown
molding, surround sound. Gourmet kitchen,
custom maple raised cabinets with crown, built-
in appliances, granite counters. Great room with
custom wet-bar, backsplash tile. Exquiaite master
suite and bath with continuation of tile flooring,
his/her marble vanities, shower enclosed by miter
glass, accent tile and in-lays. Offered at $949,000.
Call Michael 239-498-7600.

Lighthouse Bay At The Brooks, Spring Run At The Brooks,

Bonita Springs 4787. 2nd floor Carriage home, attached two-car
garage 3 bed, 2 bath, 2316 sf, 2960 total sf, gorgeous
tropical views of water and the preserve. Decorated
in a tropical décor’, tile, berber carpet and attractive
ledges throughout. Kitchen with raised panel
cabinets, granite counter-tops, breakfast nook and
sliding entry to the lanai with a stunning screened
archway. Vast living room, dry bar, built-in cabinets,
granite counter-tops and wall-wall sliders. Great
amenities with bocce ball, clubhouse Lagoon pool/
spa, small boat docks, fishing pier, tennis, fresh water
sunning beach. Offered at $300,000.
Call Michael 239-498-7600.
5123. Beautiful views of large lake and golf Bonita Springs
course in this first floor, 2 bed+den, 2 bath end
unit Coach home with attached garage. Lots
of window exposure, window blinds, large tile
throughout main areas and lanai. Living room
with sliders leading to lanai, formal dining
room and kitchen nook with additional entry
to the lanai. Master bedroom, large walk-in
closet and private bath. This residence is ideal
for the avid golfer with the community offering
bundled golf and 15,000 sf clubhouse, fitness
room, 4 tennis courts, pool/spa with cabana.
Offered at $257,000.
Call Michael 239-498-7600.

Women’s Council of REALTORS®

Bonita Springs-Estero Chapter
Closes Record-Breaking Year
The Women’s Council of REALTORS® - Bonita Springs- membership to all at a variety of levels. Its mission statement call Rhonda Diner, of Coldwell Banker and current 2010
Estero Chapter (W.C.R.) has a lot to be happy about as they is: “We are a network of successful REALTORS® empowering President, at (239) 633-4853.
close the 2010 year. Along with record-breaking membership women to exercise their potential as entrepreneurs and Article written and submitted by Nella
enrollment, the group has also experienced growing industry leaders.” DeCesare of WBN Marketing, and W.C.R.
attendance and has exceeded fund-raising expectations at its For more information on upcoming events and Bonita Springs-Estero Chapter
2010 luncheons and events. membership, please visit www.wcrbonitaestero.com or member and Newsletter Chair.
The chapter also feels strongly about supporting
communities in which its members work and reside in, and
will continue giving back in the upcoming 2011 year. On April
8th and 9th, 2011, W.C.R. will be participating in the American
Cancer Society’s Relay for Life, which is a life-changing event
that gives everyone a chance to celebrate the lives of people
who have battled cancer, remember loved ones lost, and fight
back against the disease.
W.C.R. Bonita Springs-Estero Chapter holds monthly
business meeting member luncheons that are open to the
public. The next monthly business meeting luncheon is
scheduled for December 10, 2010 at the Club at Grandezza
in Estero. In addition, the chapter is holding a new member
orientation and social on November 19th at the Worthington
Country Club.
The W.C.R Bonita Springs-Estero Chapter’s membership
is made up of REALTORS®, financial institutions and
services, as well as affiliate members of all kinds. The chapter
encourages the public to attend its events, as well as offers Serving all of Florida
Naples, Bonita Springs,
A Sign of the Times Estero & Ft Myers
As a little girl climbed onto
Santa’s lap, Santa asked the
usual, “And what would you Jeanette Jolly (239) 784-6516 phone
like for Christmas?”
The child stared at him
Mortgage Specialist (239) 331-4806 fax
open-mouthed and horrified
for a minute, then gasped:
“Didn’t you get my E-mail?”
jollymortgage@gmail.com
 November | December | 2010 | 11

The Bonita/Estero Legal Real Estate Corner

with Sharon Zuccaro
Sharon Zuccaro is a real estate attorney with the law firm of Henderson, Franklin, Starnes & Holt, P.A. in Bonita Springs. Her primary area of practice involves representing developers,
sellers and buyers in commercial and residential real estate transactions. More specifically, Sharon concentrates her practice in matters involving finance, contracts, leases, closings and title
insurance. Sharon can be reached at 239.344.1378 or via e-mail at sharon.zuccaro@henlaw.com.

Key Closing Checklist Items For Buyers

You have selected a property and have had your purchase
contract offer accepted:
Now what?
A buyer’s purchase and closing experience will be less stressful
and more efficient if one is prepared as he/she proceeds through
the closing process. What follows are key closing checklist items
for buyers. As one reads through the list, it will become apparent
that closely monitoring deadlines are key to most checklist
items. Said checklist items are not intended to be exhaustive and
questions should be raised with an attorney, real estate agent, or
title company, as applicable.
1. Home Inspection. The sales contract will specify what
inspections the buyer is permitted to make and the deadline(s)
to not only conduct same, but to request repairs. It is important
for a buyer to pay careful attention to deadlines so as not to
lose any contract rights. A home inspection is a very important
checklist item which affords a buyer with pertinent information
as to the property condition. Buyers should be mindful to select
licensed inspectors. If the inspection report is unfavorable, a
buyer, depending on the contract terms, may be able to require
the seller to correct the deficiencies, obtain a reduction and/or
credit against the purchase price or terminate the contract.
2. Mortgage Approval, as applicable. If the buyer’s
start shopping early for insurance. Insuring real property in Florida
has become more difficult over the years since fewer insurance
companies are insuring real property. If the buyer is financing,
the lender will require it be included as a loss payee on the policy
and also that the insurance company have a certain “rating”. If
purchasing a condominium, a buyer should consider obtaining
general liability and personal property insurance, since hazard
insurance is obtained by the respective condominium association.
5. Survey. A lender will typically require a survey of the
subject property, unless the property is a condominium. If the
buyer is not financing, the buyer should still obtain a survey to
determine whether any encroachments or setback violations
exist. If any of such problems exist, the seller may or may not be
required to remedy same at his/her expense prior to closing. The
buyer should request a copy of the seller’s prior survey, but should
always obtain his/her own. If the buyer relies on the seller’s
survey and any error was made by the previous surveyor, the buyer
would be prevented from raising an objection with said surveyor
since such survey was not certified
to such buyer. A buyer should
also be mindful of the deadline
RAL CONTRACT
to obtain a survey and raise
objections, otherwise the buyer NE O
GE
transfer of applicable utilities to be effective the date of closing.
The seller will normally disconnect the day of closing and a
forgetful buyer could have mold issues for failure to turn on the
electric during Florida’s hot summers.
8. Closing Funds. The closing agent will advise the buyer of
the amount of needed funds to bring to closing. It is important
for the buyer to verify with the closing agent the “form” of such
funds. Closing funds are typically “guaranteed funds” and are in
the form of a cashier’s check or wire transfer.
9. Final Walk Through Inspection. The buyer should
perform the final walk through inspection as close to closing
as possible. During same, the buyer should verify the property
condition, as well as determining that all agreed upon repairs have
been conducted and paid for.
Having a closing checklist will keep a buyer organized and on
task. Moreover, important contract deadlines will most likely not
be overlooked, thereby avoiding a costly mistake.
Renovation and

RS
obligation to purchase the subject property is conditioned could lose contract rights.
upon loan approval, then the sales contract will typically specify 6. Closing Documents.
within what time period the buyer will be required to make a Closing and closing document Remodeling
loan application, as well as obtain loan approval. Additionally, preparation will typically be
Specialists
BS
C.
the buyer will also need to timely provide a variety of financial conducted/prepared through an
I N
P

information to the lender. If the buyer fails to (i) promptly attorney or title company. If the
CON N
make his/her loan application, (ii) act in good faith during the
loan approval process, or (iii) timely notify the seller of loan
buyer has not engaged an attorney
to represent him/her and review
STRUCTIO
declination, then the buyer could possibly lose his/her contract the seller conveyance documents,
deposit. closing statement, title insurance, (239)643-6527
3. Title Insurance. Title Insurance may be written favor of survey, and loan documents,
a proposed owner, mortgage lender or both. Please note that the as applicable, the buyer should www.PBSContractors.com
lender’s title insurance provides no protection to the buyer. The closely review each of these items. CGC1517105
contract will identify who is to obtain the title insurance and at The buyer should verify that
whose expense. Usually there is a time period to obtain, review his/her name appears correctly
and raise title objections. If the buyer is financing, then the buyer everywhere, that debits and credits
should notify the closing agent of same so that the lender can are properly reflected, and raise
timely obtain its mortgagee title commitment so as not to delay any questions and/or objections
the process. If the buyer is not financing, the buyer should still with opposing counsel or the title
obtain title insurance to confirm that the subject property is agent.
marketable. 7. Utility Transfer. The
4. Homeowner’s Insurance. It is always a smart idea to buyer should arrange for the

Providing clients with peace of mind through financial security.

Castle Financial
Financial, Retirement, Estate Planning
and Money Management

Family Wealth Protection and Growth Strategy

Al Procaccino II, MBA
Registered Investment Advisor
Certified Financial Planner TM
Certified Fund Specialist
President & CEO
Do You Have one?
We provide financial, retirement, estate
planning services and a sensible, prudent
approach to managing your assets.

The Colony, 4875 Pelican Colony Blvd., Suite 1401,

Bonita Springs, Florida 34134-6952
Please call 239-947-9255 for a free consultation!
aap@castlefinancial.com | www.castlefinancial.com
Securities Offered through Cadaret Grant & Co., Inc. Member FINRA/SIPC
12 | November| December | 2010
Michael’s constant companions. If you see us out and about... please stop us and say hello!
Holiday Safety Tips From The ASPCA
Holly, Jolly and Oh-So-Safe! Of course you want
to include your furry companions in the festivities,
pet parents, but as you celebrate this holiday season,
try to keep your pet’s eating and exercise habits as
close to their normal routine as possible. And be sure
to steer them clear of the following unhealthy treats,
toxic plants and dangerous decorations:
O Christmas Tree - Securely anchor your Christmas
tree so it doesn’t tip and fall, causing possible injury
to your pet. This will also prevent the tree water—
which may contain fertilizers that can cause stomach
upset—from spilling. Stagnant tree water is a breeding
ground for bacteria and your pet could end up with
nausea or diarrhea should he imbibe.
Tinsel-less Town - Kitties love this sparkly, light-
catching “toy” that’s easy to bat around and carry
in their mouths. But a nibble can lead to a swallow,
which can lead to an obstructed digestive tract, severe
vomiting, dehydration and possible surgery. It’s best
to brighten your boughs with something other than
tinsel.
Feasting for the Furries - By now you know not
to feed your pets chocolate and anything sweetened
with xylitol, but do you know the lengths to which an
enterprising fur kid will go to chomp on something
yummy? Make sure to keep your pets away from the
table and unattended plates of food, and be sure to
secure the lids on garbage cans.
Toy Joy - Looking to stuff your pet’s stockings?
Choose gifts that are safe.
• Dogs have been known to tear their toys apart
and swallowing the pieces, which can then
become lodged in the esophagus, stomach or
intestines. Stick with chew toys that are basically
Featured Pets
Name: Chance
ID #: 484794
Breed: Hound Mix
Sex Male
Age: 5 months old
Color: Tri-colored
Comments: I’ve had a ‘Ruff ’ start
to my life. I was brought to Animal
Services by a kind woman who found
me lying in the middle of the road after
being hit by a car. My leg was badly
broken, I had a hairline fracture to my
pelvis, and lots of road rash over my
body. Through special funding from donations, I was able to have surgery and
went to a foster home to recover. I was named Chance. It’s been about five
weeks and now I’m back to health and ready to find a forever home. So what do
you think? Would you like to give me another ‘Chance to find a good home.
Adoption Fee: $75 or $50 during November when you donate an item
from the shelter's Wish List.
Names: Gator
ID #: 185309
Breed: Maine Coon
Sex: Neutered Male
Age: 8 years old
Color: Gray & White
Comments: My owner moved
and did not take me with her so
here I am at the shelter looking
for a new home. All of us pets
need a second chance to find a
good home. Please come visit me
– I’m a very handsome, big boy that loves to give and get attention. If
you scratch my chin I’ll love you forever!
Adoption Fee: $25 or free during November when you donate an
item from the shelter's Wish List.
indestructible, Kongs that can be stuffed with
healthy foods or chew treats that are designed to
be safely digestible.
• Long, stringy things are a feline’s dream, but the
most risky toys for cats involve ribbon, yarn and
loose little parts that can get stuck in the intestines,
often necessitating surgery. Surprise kitty with a
new ball that’s too big to swallow, a stuffed catnip
toy or the interactive cat dancer—and tons of play
sessions together.
Forget the Mistletoe & Holly - Holly, when
ingested, can cause pets to suffer nausea, vomiting
and diarrhea. Mistletoe can cause gastrointestinal
upset and cardiovascular problems. And many
varieties of lilies, can cause kidney failure in cats if
ingested. Opt for just-as-jolly artificial plants made free to start a nice play or petting session.
from silk or plastic, or choose a pet-safe bouquet. Put the Meds Away - Make sure all of your
Leave the Leftovers - Fatty, spicy and no-no medications are locked behind secure doors, and be
human foods, as well as bones, should not be fed to sure to tell your guests to keep their meds zipped up
your furry friends. Pets can join the festivities in other and packed away, too.
fun ways that won’t lead to costly medical bills. Careful with Cocktails - If your celebration
That Holiday Glow - Don’t leave lighted candles includes adult holiday beverages, be sure to place
unattended. Pets may burn themselves or cause a fire your unattended alcoholic drinks where pets cannot
if they knock candles over. Be sure to use appropriate get to them. If ingested, your pet could become weak,
candle holders, placed on a stable surface. And if you ill and may even go into a coma, possibly resulting in
leave the room, put the candle out! death from respiratory failure.
Wired Up - Keep wires, batteries and glass or A Room of Their Own - Give your pet his own
plastic ornaments out of paws’ reach. A wire can quiet space to retreat to—complete with fresh water
deliver a potentially lethal electrical shock and a and a place to snuggle. Shy pups and cats might want
punctured battery can cause burns to the mouth and to hide out under a piece of furniture, in their carrying
esophagus, while shards of breakable ornaments can case or in a separate room away from the hubbub.
damage your pet’s mouth. New Year’s Noise - As you count down to the
House Rules - If your animal-loving guests would new year, please keep in mind that strings of thrown
like to give your pets a little extra attention and confetti can get lodged in a cat’s intestines, if ingested,
exercise while you’re perhaps necessitating surgery. Noisy poppers can
busy tending to the terrify pets and cause possible damage to sensitive
party, ask them to feel ears.
November Adoption
Specials
A November to Remember: Throughout November all pets are $25 off the regular
adoption fee when you donate an item from the shelter's Wish List.
For information about this week’s pets, call 533-7387 (LEE-PETS) or log on to
Animal Services’ website at www.LeeLostPets.com. When calling, please refer to the
animal’s ID number. The website updates every hour so you will be able to see if
these or any other pets are still available.
The shelter is open for adoptions from 11:30 am to 3:30 pm Monday through
Saturday. The Shelter is located at 5600 Banner Drive, Fort Myers, next to the Lee
County Sheriff ’s Office, off Six Mile Cypress Pkwy.
All adoptions include spay/neuter surgery, age-appropriate vaccinations, rabies
vaccination & county license if 3 months or older, flea treatment, worming,
heartworm test for dogs 6 months & over, feline aids & leukemia test for cats,
training DVD, 10 day health guarantee, and a bag of Science Diet pet food.
The adoption package is valued at $500.
WHEN TO CALL
 Before you donate
 Moving (downsizing, out of state, into assisted living)
 Estate Sales
 Redecorating / Remodeling
 Need to furnish a home
Contact Us Today!
(239) 992-4330 office www.consign2go.com
Your online consignment service

November / December Events
Bonita Springs • Estero • Ft. Myers • Naples
Bonita Farmers’ Market (Bonita Springs)
Nov/Dec, Sat 7am-12pm located in The Promenade
with over 75 vendors.
Art Walk: (Bonita Springs)
Nov 18, 5-8pm. Evening of art and entertainment in
the center courtyard in The Promenade.
Dec 16, 5-8pm. Celebrate the holidays with live
entertainment, Santa and an array of art in The
Promenade.
Estero Fine Art Show (Estero)
Nov 6 & 7, 10am–5pm. Located at Miromar Mall. Live
artists demonstrations and entertainment.
Germain Arena: (Estero)
Nov/Dec, Home and Garden Show, Martial Arts Show,
Gaither Homecoming. For dates, further shows &
Everblades schedule & times call (239) 948-7825 or
visit www.GermainArena.com.
Coconut Point Mall: (Estero)
Live entertainment located at Plaza Del Lago Dr. patio.
Santa’s Arrival (Ft. Myers)
Nov 6th 3pm. Santa, tree lighting ceremony and
musical performances. Located In the Gulf Coast
Town Center at Bass Pro Shops. Visit www.basspro.
com for further information.
EMERGENCY
Police, Fire, Medical ....................................... 911
Lee County Ambulance (Non Emergency)
...............................................................335-1600
Lee County Sheriff (Non Emergency)
...............................................................477-1200
Lee County Emergency Management
(Weather & Disaster Spills) ...................477-3600
Poison Control Center.....................800-282-3171
Hospitals:
North Collier Hospital.............................513-7000
Health Park Hospital...............................433-7799
Chamber of Commerce (Local Area):
Bonita Springs Area ...............................992-2943
Estero Area ............................................948-7990
Library (Local Area):
Bonita Public Library .............................992-1043
Estero South County Regional Library...390-3200
License (Lee County):
Animal License ......................................432-2083
Boat Registration/Fishing License..........339-6000
Drivers License ......................................278-7192
Vehicle Registration - Lee County
...............................................................339-6000
Voters Registration ....................339-6300
Gulf Coast Town Center: (Ft. Myers)
Nov/Dec, Friday & Saturday, 7-9pm – Weekend
concert series
Broadway Palm Dinner Theater: (Ft.
Myers)
For info and listing of shows visit www.BroadwayPalm.
com or call 239 278-4422
Barbara B. Mann Theatre: (Ft. Myers)
Radio City Christmas Spectacular, A Christmas Carol.
For info, and further shows visit, www.bbmannpah.
com/index.php or call (239) 481-4849.
First Friday Concert: (Naples)
Nov/Dec First Fridays 5pm. Live music at the Mercato
Holiday Stroll: (Naples)
Dec 4, 11am-4pm. Enjoy fine cars, entertainment,
falling snow, carolers, face painting plus more.
Dec 18, 5-8pm. Enjoy holiday entertainment, photos
with Santa, carolers plus more. Further information
visit www.mercatoshops.com. Located along the main
street at The Mercato.
Historic Palm Cottage & Norris Gardens:
Philharmonic Center: (Naples) 5833 Pelican
(Naples) Bay. For more information and current shows visit
Nov/Dec, Tues-Sat 1-4pm. (239) 261-8164.
Important “239” Numbers
Medical (Lee & Collier Counties):
Gulf Coast Hospital - Ft. Myers..............768-5000
Lee Memorial Hospital - Ft. Myers..........332-1111
North Collier Hospital (NCH)
Downtown Naples .................................552-7000
North Collier Hospital (NCH)
North Naples .........................................436-5000
Poison Control Center ....................800-282-3171
Newspaper
Bonita Banner ........................................ 765-0110
Coconut Point Press ..............................777-0473
Ft. Myers News Press............................335-0233
Naples Daily News ................................992-3609
Public Schools (Lee County):
Edison Community College............800 -749-2322
Florida Gulf Coast University...........800-590-3428
School District of Lee County................. 334-1102
Real Estate Services
Michael Burke P.A., Keller Williams Elite Realty
...............................................................498-7600
Homestead Exemption - Lee County.....339-6120
Property Appraiser - Lee County............339-6100
Social Security .......................800-772-1213
Southwest Florida Int’l Airport
...............................................................590-4800
November | December | 2010 | 13
Historic Old Naples Walking Tours:
(Naples)
Nov/Dec, Wednesdays 10am, Reservations Required.
Walk along and listen to the history of Naples in the
late 19th century. www.napleshistoricalsociety.org/
third-street.htm.
Third Street Farmers Market: (Naples)
Saturday’s in Nov/Dec 7:30–11:30am. Located 1220
3rd St S. – parking behind Tommy Bahama’s. 239-
434-6533.
Thursdays on Third (Naples)
Nov/Dec, 6-9pm. Music and entertainment in the
courtyards and plazas of Third St
Festival and Celebration of Lights (Naples)
Nov 22 6-9pm. Annual tree lighting, carol singing,
snow falling, Santa’s arrival, plus more on 3rd Street
Nov 23 – 27th, 6-9pm. Celebration of lights continues
with music and snow on 3rd Street.
New Years Eve Fireworks (Naples)
Dec 31, 6-9pm. Fireworks at the Naples Pier at 7:30.
www.philtickets.org/tickets/index.aspx or call (239)
597-1900.
Transportation
Airport Shuttle Service ...........................216-7777
Greyhound ............................................. 334-1011
Lee County Bus Transit .........................533-8726
U.S. Postal Service
Lee & Collier Counties.....................800-275-8777
Utilities (Lee County):
Embarq ...........................................866-304-6820
Electric
Florida Power and Light..................800-262-1322
Florida Recycling & Waste .......332-8500
Gas Service - Teco (Peoples Gas)
........................................................877-932-6747
Solid Waste - Lee County ................338-3302
Telephone
Sprint (Bonita) ................................800-699-0728
Sprint (Lee County) ........................800-339-1811
TV Cable
Comcast .........................................800-432-4770
Time Warner ..........................................574-2020
Water/Sewer
Bonita Springs ....................................... 992-0711
Unincorporated Lee County ...........800-485-0214
Veterinarians
Florida Veterinary 24-Hour Emergency
........................................................239-992-8878
 14 | November| December | 2010

Featured Columnist
This column is produced by the Financial Planning Association and
provided by Al Procaccino, a member of FPA and Certified Financial
Planner with Castle Financial.

www.castlefinancial.com For a free consultation call: (239) 947-9255

Renovating Smart In 2010

Looking For Tax Breaks, Anticipating
What Will Bring Value In The Future
Though the housing market has yet to stabilize in
many communities, homeowners can’t ignore property
maintenance and other critical spending that will add
to their home value in the future. Yet for most of us,
the days of spending multiple thousands of dollars on
a kitchen, bath or room addition expecting our market
value will grow exponentially is much like the U.S.
housing boom – over.
Simply put, as Americans have been forced to get
more realistic about using their homes as piggy banks, it’s
time for similar realism about what improvements and
renovations will pay off in a housing market with years
of inventory to sell. Here are some steps to consider
when improving your property in today’s market.
Before you borrow or spend, get some advice on your
overall financial picture: During the boom years of the
housing market, people treated renovation as a financial
fait accompli: Put in a $40,000 kitchen and add $60,000
to your selling price. Today, putting more money
into your house requires a significant reality check. A
financial planner can look at your overall savings and tax
picture and give you an idea whether the dream kitchen
you want is a worthwhile investment or if it’s time to
downsize the job to a new sink.
Check current values on the payoff your chosen
renovation will have: Remodeling magazine’s annual
Cost vs. Value report breaks down average cost and
market return for projects large and small based on your
region of the country. Their website is www.remodeling.
hw.net. The current 2009-2010 report reports that
upscale projects like a bathroom addition returns only
about 60 percent of its cost in the current market;
adding an attic bedroom would return 83 percent of
the cost. None of the projects in Remodeling’s annual
survey currently break even.
Consult Uncle Sam: The American Recovery and
Reinvestment Act is still allowing taxpayers certain
deductions and credits for energy-smart renovations
to their property. For example, the Residential Energy
Property Credit applies to taxpayers who install
insulations, energy-efficient exterior windows and
energy-saving heating and air conditioning with a
maximum credit limit of $1,500 for improvements put
in place through the end of 2010. It’s smart to consult
your tax professional before going ahead on any of these
moves in case Washington extends, limits or possibly
increases these breaks for homeowners.
Think about how long you’ll be in the home: If you
want to get your money out of a renovation, keep in
mind you’ll probably be waiting awhile. In August, the
National Association of Realtors reported a plunge in
home sales after the expiration of the federal home
buyer tax credit. In July, existing-home sales were down
27 percent from June and a full 25 percent below the
year-ago month. Most home sales experts are not
predicting full stabilization for the U.S. housing in the
market for at least six months.
Beware the bump in property taxes: The great thing
about a more valuable home is the potentially higher
value when you sell. The bad thing is a visit from the
county assessor – more valuable property tends to
lead to higher tax assessments. Make sure you cannot
only afford the cost of
renovation, but what you’ll need to pay in higher taxes
if your home is reassessed. Also, keep in mind that the
fall in home values hasn’t led to lower taxes in many
communities.
Don’t forget to deduct applicable sales tax: If sales
tax was imposed on a major renovation or if your state
or locality imposes a general sales tax on the sale of
a home or the cost of a substantial addition or major
renovation, you might be able to deduct it. This
alternative is particularly valuable in low-tax states, and
the sales tax paid on the purchase of some large items
including the purchase of a home or major addition can
be added to the table amounts. Discuss this with your
tax professional.
Always check local valuations: A reliable and
experienced local real estate broker knows what the
market will bear. Talk to them about any anecdotal
evidence they have about what renovations might be
most sensible as your home market improves. You’ll
also get a tutorial on what current buyers are willing to
pay for based on the current attributes of your home.
This column is produced by the Financial Planning
Association, the membership organization for the
financial planning community, and is provided by Al
Procaccino, a local member of FPA.

Leslie Maloney
President
Ofc (239) 992-2226
Cell (239) 580-7914
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 November | December | 2010 | 15

Better Golf with “The Golf Doctor”

By Mike Calbot “The Golf Doctor”
Golf Swing Analyst & Master Golf Instructor
Director of Instruction at Old Corkscrew Golf Club
239.482.0900 - www.golfdoctorusa.com

Sponge Drill – The path to a better golf swing

The number one question that golfers ask me as an
instructor is, how do I make a better golf swing? Well the
answer to this question as any golfer who has been playing
for a length of time could go for days. There are so many
factors that relate to swinging the golf club but I will single
one element that will work for the golfer who is struggling for
some form of golf shot consistency. Every golfer that I work
with has a little uniqueness to their motion, most because of
their concepts and lack of instruction and of course their
physical conditioning. Age is not an excuse for not hitting the
ball consistently with good quality. Many golfers I teach who
are in their seventies can shoot in the seventies on an average
set up golf course and while playing the respective distance
for their length of shots. What ever your age or ability here is
one simple fix for your swing consistency.
The SPONGE DRILL! Purchase a car was sponge that
has the outwards appearance of the number 8. This sponge
is to be places between your wrists and lower arms as you can
see in photo #1. The object is to relax the grip pressure and
wrists during the golf swing from the address position seen in
photo #2 and then making a full golf swing while holding the
sponge. If you drop the sponge this tells you where you may
have an issue in the motion or you may have a physical issue
to attend to. Notice the position in photo #3
And top of swing #4 then impact #5 then the relaxed
extension #6 to the finish in photo # 7. Practice this as often
as you can and I will guarantee you will learn how the simple
motion should happen. If you can not do this drill, seek help
to learn why. If you have pain stop and see a doctor as you
might have rotator cuff issues or you need to adapt some
exercises to become more flexible. If you have questions
regarding this golf tip please feel free to call me personally.

#1 Sponge grip close up # 2 Set up # 3 Takeaway # 4 Top of swing

Puzzle Answers from page 5

# 5 Impact position #6 Extension # 7 Finish

Ryan Design gRoup llc

GeorGina ryan
President ~ desiGner

3333 renaissance Blvd. suite 226

Bonita sPrinGs, Fl 34134
oFFice 239.992.5808 cell 239.405.2277
Fax 239.992.4202
email GeorGina@ryandesiGn.net www.ryandes.com
16 | November| December | 2010