Direct representation

Fort Pierce, Florida — this is my market

This is the half of the map where I am your agent rather than an introduction.

Direct representation

The practical version

What I can offer in Fort Pierce is availability and continuity: the person who took your first call is the person at the inspection, on the telephone to the lender, and at the closing table. There is nothing clever about that. It simply removes the most common failure in this business, which is a handoff to somebody you were never introduced to and cannot reach.

What I watch for on a Florida contract

Lender conditions are the quiet killer. A commitment letter is not the end of underwriting, and the conditions attached to it have dates on them that somebody has to actually read. Most of the closings I have seen slip did so because a condition sat unopened for a fortnight, not because the loan was ever in doubt. I read them when they arrive and I chase the parts that are ours to satisfy.

Read this before you waive anything

  • Windstorm and flood are underwritten separately from the main policy across much of Florida. Price them on the specific address before you are under contract, not after.
  • For condominium buildings of three storeys or more at the relevant age, Florida requires milestone structural inspections and a structural integrity reserve study. Both change assessments and financeability. Read them before waiving anything.
  • The homestead exemption reduces taxable value on a Florida primary residence, and the Save Our Homes cap limits how fast the assessed value rises afterwards. Portability may carry a benefit from a prior Florida homestead. Your county property appraiser is the authority, not your agent.
  • Title in Florida is customarily handled through a title company rather than an attorney as a matter of course, which changes who you call when a question arises mid-contract.

Other cities in Florida

Questions people actually ask

What happens if I need an agent somewhere other than Florida?

I refer you. My licence is Florida only, so for anywhere else the honest service is an introduction to a licensee in that state through The Keyes Company.

Do I need to worry about the flood zone and elevation?

Look both up before you are under contract rather than after. The flood zone determines whether cover is required by a lender, and on an older property an elevation certificate can move the premium substantially. That certificate is a surveyor’s document rather than an agent’s opinion, and the seller may already hold one. Ask for it early — it is one of the few pieces of paper that can change the arithmetic of a purchase by a large amount.

What is an estoppel letter and why does it hold things up?

It is the association’s written statement of what is owed on a unit — dues, assessments, transfer fees — and a Florida closing involving an association generally waits for it. The association has a statutory period in which to produce it and charges a fee for doing so. It is ordinary and entirely predictable, and it delays closings only when nobody ordered it early. Ask for the association’s governing documents in the same breath.

Who handles the closing in Florida?

Customarily a title company rather than an attorney as a matter of course, which differs from practice in a number of other states. The title work confirms the seller can convey what they are selling and turns up the things nobody mentioned: an old lien, an open permit, a boundary that does not match the fence. You may still want your own attorney, particularly on an estate sale or anything unusual, and I will say so when I think it is warranted.

What do I have to disclose as a seller in Florida?

Florida sellers are required to disclose known facts materially affecting the value of the property which are not readily observable — the rule from Johnson v. Davis — and it is broader than most sellers expect. The practical version: if you know about it and a buyer would not see it on a walkthrough, disclose it. Where the boundaries of that duty are genuinely unclear, that is a question for an attorney rather than for me.

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Jacob Campbell · Florida Real Estate Sales Associate, license 3623732 · The Keyes Company · 561.301.7130