Sunday, June 27, 2010
Ormond Beach Short Sale - a Brief Explanation
The Short Sale process is as follows:
*The owner or their agent/negotiator must contact the existing lender.
*The lender will direct them to their website, or will advise how, to obtain specific forms, instructions and lender requirements.
*This group of documents, along with the lender’s financial forms (Short Sale Package*) is then sent to the lender as per the lender’s instructions.
*After the lender receives the package, it is assigned to a contact person in the lender’s Loss Mitigation Department. This process can take anywhere from two weeks to two months and sometimes longer.
*At this point the Loss Mitigation Dept then reviews the package and will contact the homeowner to request any additional items that may be required by the lender. This request is usually made verbally to the homeowner or negotiator but can sometimes be found via the lender’s website.
*The lender will then request a Broker’s Price Opinion (BPO) from an agent chosen by the lender.
*Once the lender has received the BPO as well as the Short Sale Package, they submit it for final review. When the lender has completed their final review, they may give approval "as is" or their approval may be subject to changes, such as sales price or terms. Or the lender at this time may decide that the seller did not have ample reason for the short sale, and therefore deny the request.
*Short Sale Package can consist of 100 to 200 pages including, but not limited to, the following items:
1. Listing Agreement
2. Short Sale Addendum
3. Offer to Purchase
4. Proof of Buyer’s funds
5. Owner’s Tax returns
6. Paystubs
7. Owner’s Bank Statements
8. Hardship letter from owner (explaining why the short sale is needed)
Remember that every lender and every situation is a different story. You need a Realtor proficient and experienced in short sales, who will stay in touch with the lender constantly throughout their process.
I have special training and education, plus experience, in Ormond Beach short sales. Contact me with your questions. Don't wait until your only choice is foreclosure.
Sherry Armstrong, Realtor
386-679-3191
yourkeytothebeach@gmail.com
www.sherryarmstrong.com
www.daytonabeachscene.com
Saturday, June 12, 2010
Halifax Plantation of Ormond Beach - Golf Course Home for Sale
This 3 bedroom/2 bath home includes a fireplace, big kitchen with ample storage, den, front and back porches, central air, a beautiful view of the golf course, 1900 SF living area, and a 6240 SF lot.
Included are appliances, window treatments and ceiling fans. Community amenities include 18 hole golf course, Jr Olympic pool, exercise room, and tennis.
Priced at $209,000, the Halifax Plantation golf course home is a great buy. This is not my listing, but I can help you preview any golf course home for sale in Ormond Beach. Call or email and take advantage of these low prices for golf course living.
Sherry Armstrong
386-679-3191
yourkeytothebeach@gmail.com
Wednesday, June 2, 2010
Ormond Beach - Private Compound for Sale - So Old Kings Rd
Contact Sherry Armstrong, Realtor, 386-679-3191, for a private showing.
Saturday, May 22, 2010
Home for Sale on Plantation Bay Golf Course, Ormond Beach
Here's a spectacular home just listed on the golf course in the gated community of Plantation Bay with views of two lakes and the green. Built by Centurion Homes, this is the Villa Ravello II model with pool, screened patio, 3-car garage, 4,124 SF interior, and a large lot of 29,210 SF. Built in 2007, the home features 4 bedrooms, 4 baths, fans, fireplace, wet bar, great room, hot tub, screened balcony on 2nd floor, gourmet kitchen, and large master suite.Buyers of this home will receive their choice of either a $13,000. discount towards the initiation fee for a full golf membership to Plantation Bay County Club, a $2,350. discount towards the initiation fee for a sports membership, a $900. discount towards the initiation fee for a fitness membership, or a $100. discount toward the initiation fee for a clubhouse membership, provided buyers join with in 30 days of closing. Discounts apply upon application approval.
All this for an asking price of $995,000, a reduction of $400,000 from the original list price.
I'm not the listing agent, but can show you this home in Plantation Bay or any golf course home of your choice in Ormond Beach. Let's work together to give you the golf lifestyle you have always wanted.
Sherry Armstrong, Realtor
386-679-3191
yourkeytothebeach@gmail.com
Wednesday, March 31, 2010
Home Sold in Plantation Bay of Ormond Beach
I'm pleased to announce I was able to help buyers purchase this beautiful home in Plantation Bay, Ormond Beach, on Kingsley Circle. Offering 3 bedrooms/2 baths, the property is 2083 SF interior, built in 1989, with a fireplace, large screened patio, 2-car garage, security system, and workshop. All appliances were included, ceiling fans, and leaded glass door.The asking price was $199,900.
Plantation Bay is a premier golf community in Ormond Beach. Association dues for this home are only $306/quarter. For the serious golfer, there are three 18-hole private championship courses. For the tennis buff, there is a world-class tennis facility with 10 clay courts. There are two clubhouses, a 7,000 sq ft spa and fitness center, two restaurants, and a pool. Plantation Bay is a gated, secure community geared toward family enjoyment. The developers included nature areas, lakes, and many trees, so the enviroment hosts a variety of wildlife and residents can enjoy many acres of common grounds.
Visit the Plantation Bay page on my web site to search homes for sale and to find links to Plantation Bay resources.
Resales for attached homes in Plantation Bay range in price from $99,900 to $425,000, and single family residences from $124,900 to $1,499,990. Condos are available from the $160,000s to $250,000.
Call or email if you would like to preview a home or two in this Ormond Beach golf community.
Sherry Armstrong, Realtor
386-679-3191
yourkeytothebeach@gmail.com
www.sherryarmstrong.com
Monday, March 29, 2010
Ormond Beach Buyers - Are You Ready for April 30?
Assuming you qualify and want to buy, how can you speed up the process so you can find your home and have an offer accepted in 30 days? Here are some suggestions.
1. Know your Market - start searching online (here's the link on my site to Search the MLS), and get a good Realtor working for you who knows the communities (me). Sign up for the free service that daily will email you listings that meet what you want, and let me know right away if you see one you want to preview. Remember, as a Buyer, you don't pay the commission. My professional experience and expertise are free to you.
2. Talk to a Lender - you must be preapproved, not just prequalified, to meet this deadline. Find how how much house you can buy and if your credit is good enough to get you a rate you can afford.
3. Narrow your Search - Ormond Beach has many communities, which vary widely in price and amenities. Decide on the ones you like the best right away.
4. Make a List of Needs vs. Wants - You can narrow the inventory easily by knowing what features you really have to have (bedrooms, baths, location) against what you'd like (fenced yard, view, family room).
5. Can you fix it up? Are you handy with repairs? Do you want to spend your free time for a few months after you move in fixing up what someone else damaged? If not, then don't look at fixer uppers.
6. Plan ahead - a contract probably won't be accepted overnight. The seller may counter, then you may counter - this takes a few days. Don't wait until April 28 to make your offer. Keep in mind that short sales take much longer, for the bank to approve an offer.
You have time, but let's get started now. If you don't know the communities or neighborhoods of Ormond Beach, or real estate sales information, just call or email. Don't lose this great opportunity for Uncle Sam to help you purchase your new home.
Sherry Armstrong, Realtor
386-679-3191
yourkeytothebeach@gmail.com
www.sherryarmstrong.com
www.daytonabeachscene.com
Saturday, March 27, 2010
Want a Golf Lifestyle? Try Halifax Plantation in Ormond Beach, FL
A stunning home on the 6th Fairway, this home has been reduced to $474,000. Features include a heated pool and hot tub, screened lanai, outdoor kitchen, 4 bedrooms/3 baths, 3,000 SF interior, and views of the Halifax Plantation golf course through your secluded treed lot. Want creative financing? The owner will consider financing.
the 2nd Fairway of Halifax Plantation offers a split floor plan of 4 bedrooms (2 master suites) and 3 baths, 2142 SF interior, 12.500 SF lot, inground heated pool, 2-tier screened patio with triple tap draft beer system, JennAir grill, media center with big-screen plasma TV and in-ground gas fire pit. Asking price is $464,900.Also this week are price reductions on golf course homes in the Ormond and Daytona Beach communities of Pelican Bay, Plantation Bay, Tomoka Oaks Country Club Estates, LPGA, and Cypress Head. These are not my listings, but I can help you preview any golf course home in Ormond Beach or Daytona Beach, and give you real estate sales information on all of our communities and neighborhoods.
Don't let another year go by before you put a plan in place to own that golf home you dream about - the time to buy is now! If you still want proof, search golf homes on my web site and see the prices for yourself. Call or email me for details on any golf home for sale.
Sherry Armstrong, Realtor
386-679-3191
yourkeytothebeach@gmail.com
Monday, March 15, 2010
Oceanfront Home in Ormond Beach FL
This is a beautiful Oceanfront 2-story pool home with spectacular views. 4 bedrooms, 2 baths, 3192 SF interior living space, built 1983, on a 13,300 SF lot.The first floor includes living room, kitchenette and breakfast nook, full bath and 2 bedrooms with access to lanai (new tile flooring) and pool. A wrap-around stairway guides you to a roomy upper floor that highlights French doors opening to a wooden deck that overlooks the in-ground heated pool.
The home offers a living room with wood-burning fireplace, built-in bookcase, volume ceilings, kitchen with skylight, all appliances and breakfast nook, a formal dinning froom, master suite with jacuzzi tub.
Enjoy the glass atrium with full views of the Atlantic ocean. Located on a corner fenced lot with full access to the beach and 140 foot frontage facing ocean. Listed at $699,000.
Contact me for a private preview today, and sales statistics for the Sea Oats Terrace area of Ormond Beach. Search other Ormond Beach homes for sale on my web site. This is not my listing, but I can be your advisor and Buyer Representative on any real estate in Ormond Beach. Just imagine owning an oceanfront home in Florida for under $700,000!
Sherry Armstrong, Realtor
386-679-3191
yourkeytothebeach@gmail.com
http://www.sherryarmstrong.com/
http://www.daytonabeachscene.com/
Saturday, March 6, 2010
As you enter the home, you find a 37 x 38 glassed atrium with growing foliage and a flowing fountain which brings you back to yesteryear. The open floor plan is truly designed for entertaining, with columns and niches throughout. The kitchen has an upgraded appliance package and features panoramic views from the nook. The master suite on the second floor has incredible ocean views from the bedroom or the oversized marble tub/shower. The home also features a detached work shop which could easily be converted to a coach house, and 3-car garage.
View the virtual tour for this Ocean Shore Blvd home.
With 3 bedrooms, 2 baths, 5,013 SF living area, 21,384 SF land, fireplace, decks, patio, security system, and oceanfront location, this home is a great buy and has just been reduced to $1,500,000. Search waterfront homes for sale on my web site, and contact me for a private preview of this oceanfront property in Ormond Beach.
Sherry Armstrong, Realtor
386-679-3191
yourkeytothebeach@gmail.com
www.sherryarmstrong.com
www.daytonabeachscene.com
Saturday, February 13, 2010
Breakaway Trails Homes for Sale in Ormond Beach, FL
Here's a new listing in the gated community of Breakaway Trails, Ormond Beach, that highlights the great values now available in our Ormond Beach real estate market.The custom built home is 4 bedrooms, 2.5 baths, 5,108 SF, built in 1989, and is a nature lover's dream, complete with fireplace, vaulted ceilings, great room, and gourmet kitchen. The enclosed porch brings the beautiful grounds of Breakaway Trails into the home, while the master suite opens to an outside deck. An oversized yard on the 10,000 SF+ lot backs up to a nature preserve.
Breakaway Trails offers a clubhouse, tennis courts, pool, basketball courts, roller hockey rink, and is located just minutes from I-95, shopping, schools, beaches, and all the famous recreation the Daytona Beach area has to offer. Read more about Breakaway Trails on my web site.
The home is listed at $365,000, and HOA fees are $257/mo.
This is not my listing, but I can arrange a private showing for you, and show you other Breakaway Trails homes for sale, complete with a thorough Ormond Beach real estate market analysis. Just call or email.
Sherry Armstrong, Realtor
386-679-3191
yourkeytothebeach@gmail.com
www.sherryarmstrong.com
www.daytonabeachscene.com
Saturday, January 9, 2010
Breakaway Trails of Ormond Beach
Here's a home which just came on the market - a good example of the quality available in Breakaway Trails of Ormond Beach.
4,789 SF living area
heated, inground pool
Lakefront
3+ car garage
Built 2004
Custom Home
Billiard room with wet bar
Highly upgraded
Asking $825,000
Here's the Virtual Tour
Contact me for a private showing, and search homes for sale in Breakaway Trails on my web page with community information. This is not my listing, but I can show you any properties in Breakaway Trails or other golf course communities in Ormond Beach. There are great prices and interest rates just waiting for you right now!
Sherry Armstrong, Realtor
386-679-3191
yourkeytothebeach@gmail.com
http://www.sherryarmstrong.com/
Saturday, January 2, 2010
Ocean Hammock Home in Ormond Beach For Sale


Watch the Virtual Tour and feel the ambience of the home. Asking price is $1,025,000.
Occupying 1,500 acres of pristine Atlantic coast, Hammock Beach offers a variety of luxurious lifestyles. The Hammock Beach development features a Jack Nicklaus 18-hole, par 72 championship golf course, which runs through live oaks and wetlands, and features several holes on the ocean shore. Residents have full access to club membership, which highlights the multi-million dollar Water and Swim Pavilion – complete with 3-story waterslide, several pools, a river, and poolside bar and grill. Or treat yourself to the 12,000± sq ft health spa with saunas, steam rooms, whirlpools, treatment and massage rooms. On site are a full fitness center and two tennis complexes with Har-Tru courts. Read more about The Hammock on my web site, and search homes and condos for sale.
This is not my listing, but I can arrange a private preview for you, and show you any other view homes in the Hammocks neighborhoods, or Ormond Beach. Don't pass up the opportunity to own a golf course - ocean view home at our low prices.
Sherry Armstrong, Realtor
386-679-3191
yourkeytothebeach@gmail.com
Saturday, December 26, 2009
Purchasing a Foreclosure in Ormond Beach, FL
Here are just a few points to look for - before you make that offer and hire an inspector:
1. If the house in unheated - even in Florida, on our colder days, the heat needs to be on. If the home has not been properly winterized or insulated, you could have damage and pay a lot in utility bills.
2. Missing sinks, toilets, fixtures - have they been removed or ripped out? Be very conservative when you do estimates for replacements.
3. Peeling, bubbling, discolored paint, swelling in walls or ceilings, musty odor - these all can indicate water damage. In our climate, that could also mean mildew and mold.
4. Fungus growth inside cabinets, behind drawers and built-ins - the growth can indicate water damage, which - you know now - is not a good sign. Water drips down, so look for the source above the mold.
5. Blocked drains or pipes will cause future problems, period - there may already be sewage backups.
6. Black cobwebs, greasy gray residue on walls, strong oily odors - these can indicate a malfunctioning furnace.
7. If you are looking at older homes, many need extensive renovations. These may include getting permits which were overlooked, removing asbestos, and expensive remodeling.
8. Excessive new paint - track down the source. What were the previous owners trying to cover up?
With a bank-owned house, there is no seller's disclosure and you as buyer are entirely responsible for inspections. It is imperative you hire qualified and recommended inspectors and be very attentive to their findings. I can help you with this process - you need an experienced Realtor on your side so you don't end up paying way over the bargain you wanted.
Contact me today, and read on my web site, to find out what a Certified Distressed Property Expert can do for you.
Sherry Armstrong, Realtor
386-679-3191
yourkeytothebeach@gmail.com
www.sherryarmstrong.com
Saturday, December 5, 2009
Oceanfront Home on Ormond Beach FL


Saturday, November 28, 2009
Flagler Beach Oceanshore Home near Ormond Beach FL
Located 68 miles south of Jacksonville between St. Augustine and Daytona Beach, Flagler Beach is a narrow island bordered on the east by the Atlantic Ocean and on the west by the Intracoastal Waterway. It’s less than 10 minutes off I-95 and only a few miles to popular Ormond Beach. Population 5400, the town is part of the growing Palm Coast Area, a twenty-mile stretch of scenic coastline that is a sportsman’s haven.
Here's a home for sale in Flagler Beach just new in our MLS. The property is a 3-story ocean view home on a corner lot. Two 10x30 decks on the 2nd & 3rd floors offer unbelievable views. A fenced-in 18x30 salt pool with 1150 sq ft of brand new decking creates a private outdoor entertaining area. The home is newly landscaped and painted, and has hurricane panels for all window and doors on the eastside of the house. There's also an outdoor shower and pool bath to wash that sand off from the beach. A/C has a warranty through 2013, and most appliances are included. 3 bedrooms/2 baths, built 2003, 1920 SF living area, 5,000 SF lot. Listed at only $599,000 - for oceanviews and across from the beach!Live the beach lifestyle you've always dreamed of at affordable prices.
Saturday, November 21, 2009
Plantation Bay in Ormond Beach - Homes for Sale at Great Prices
Three new listings arrived on our MLS this week in Plantation Bay of Ormond Beach, underscoring the great values available now in this prestigious golf community.This 1st home is an Ashley model on a large lot, backing to a conservation area. The home features a pool and spa, heated by gas or solar. The kitchen showcases granite counters, tiled backsplash, maple tongue-and-groove cabinetry, and stainless appliances. Enjoy the fireplace the next few months, and the landscaping and flow
er beds come spring. The home is 3 bedrooms/2 baths, 2,105 SF interior, 20,424 SF lot, built 2007. Asking $323,000.
Just listed is a Preakness II model with a golf cart garage and extended driveway for additional parking. There are 2 master suites, a gas fireplace, upgraded kitchen cabinets with granite tops, surround sound system, screened lanai and pool. The home enjoys lake and open space views.Here are buyer incentives as quoted from the listing agent (not me): "Buyers of this home to receive their choice of either an $8,000. credit toward a full golf membership at Plantation Bay, a $2,350. credit toward a sport membership, a $900. credit toward a fitness membership, or a $100. credit toward a clubhouse membership, provided buyers join with in 30 days of closing. Credits apply upon application approval. CDD of $990. plus O&M fee of $166. paid annually with the Flagler County property taxes." The house is 4 bedrooms/3 baths, 2,838 SF interior, 20,424 SF lot, built 2004. Asking $489,900.
Plantation Bay is a gated, golf community - one of the nicest in the Ormond Beach area. And homes are selling from $175,000! Call me for a private preview of any of these properties, a market analysis of sales, and real estate information for all Plantation Bay homes for sale.
Sherry Armstrong, Realtor
386-679-3191
yourkeytothebeach@gmail.com
www.ormondbeachflhome.com
Saturday, November 14, 2009
Ormond Beach FL Oceanfront Home
Here is a new listing in Ormond Beach on the ocean - yes, an oceanfront home for $890,000. 3 bedrooms/3 baths/1840 SF, on a large 27,000 SF lot with a sea wall.
Appliances, fireplace, ceiling fans, 2 porches/decks, central heat and air, and a west orientation add to the desirability of this property. Imagine waking to the sound of the waves and watching the weather and surf on the blue Atlantic. This is the life everyone dreams of...at a price that is now realistic.
Contact me for a private showing, and ideas on how you can find that oceanfront home in Ormond Beach you've always wanted.
Sherry Armstrong, Realtor
386-679-3191
yourkeytothebeach@gmail.com
www.ormondbeachflhome.com
Saturday, November 7, 2009
Golf Course Living in Ormond Beach
Live on the 6th Fairway of Halifax Plantation in Ormond Beach in this beautiful setting. This home has it all! 12' ceilings, 8' fluted doorways, rounded corners, arches, plantation shutters, crown moulding, decorative tile backsplashes, upgraded cabinets, intercom & security systems, Surround Sound inside & on lanai, built-ins in all closets, his/her closets in master, jacuzzi tub plus shower, 2 sinks with corian counters and built-in wine rack in kitchen - wow. I could go on...the lanai has a beautiful pool with hot tub and summer kitchen, 2 skylights & a ceiling fan in covered portion, and a fantastic view of the golf course through the secluded treed lot.
Details: 4 bedrooms/3 baths, 3003 SF interior, 2-car garage with workshop, central AC and heat, water softener, and all appliances. Built 2000. Asking just $599,000 for this golf course home in Halifax Plantation of Ormond Beach, FL.
Halifax Plantation has really taken shape as a master planned community. The clubhouse, with its restaurant, lounge, pro shop, meeting rooms and banquet facilities, is indeed the heartbeat of Halifax Plantation. Surrounding the 25,000 square foot clubhouse is an amazing array of professional golf practice facilities that include: driving range, putting green, chipping green with sand trap, cart barn, club storage and locker rooms. These magnificent facilities are complimented by a complete staff of friendly professionals to assist you in maintaining a fun and relaxing lifestyle.
Not to be outdone by great golf, adjacent to the clubhouse is an outstanding tennis facility with 4 clay courts, a Pro Shop, and teaching Professional on staff. Conveniently located at the same facility is a Junior Olympic swimming pool, exercise facility, and locker rooms. Besides the golf, tennis and swimming, many of the residents love to walk, jog and ride their bikes along the many miles of winding, lushly landscaped roads in Halifax Plantation. Everything you need to stay in shape and enjoy life to it's fullest is available at Halifax Plantation.
Visit the Halifax Plantation page on my web site, contact me to preview this home, or learn more about living the Golf Lifestyle in Ormond Beach.
Sherry Armstrong, Realtor
386-679-3191
www.ormondbeachflhome.com
yourkeytothebeach@gmail.com
Friday, October 23, 2009
Oceanfront Homes for Sale by Ormond Beach FL
Here are 2 oceanfront homes available, the first in Flagler Beach:
Direct ocean front home sitting high on the dunes. Enjoy sunsets from the spacious porch with a private walkway to the beach. 5BR/3BA, built 1973, 10,065 SF lot. What a great vacation home! The property could accommodate 20 people, with a separate in-law suite that includes kitchen, laundry room, 2 bedrooms, bath, living room, dining room. Total living area 2,850 SF. East orientation (remember those sunrises over the ocean). Listed at ONLY $750,000!In Wilbur-by-the-Sea, this home has just been reduced from $1,500,000 to $1,195,000!
What incredible bargains are available now - and these are only 2 of the many oceanfront (not just oceanview) homes available at stunning prices. I can set up a search for homes for sale for you or visit the search page on my web site. And contact me to preview any of the homes for sale in the Ormond Beach area.
Sherry Armstrong, Realtor
386-679-3191
yourkeytothebeach@gmail.com
http://www.ormondbeachflhome.com/
http://www.daytonabeachflhome.com/
Saturday, October 17, 2009
Hunter's Ridge - Ormond Beach FL - our Community
Hunters Ridge is about a mile past Breakaway Trails in Ormond Beach, Florida, on Highway 40, making it convenient to I-95 (Exit 268) and shopping. The non-gated community offers a wide selection of lot sizes and homes, ranging from traditional two-story to Florida contemporary design, with a few low-country and other architectural styles represented.Community amenities include a clubhouse, play areas, tennis courts, pool, playground, ballfields, park, lake with fountain, gazebo, trails, and an on-site storage yard for boats and RV’s (one of the few communities to provide this benefit). Hunter's Ridge is one of the more attractive planned developments in the Northeast-central Florida region, that has maintained wooded areas, conservation lots, and nature preserves. HOA fees are approximately $70/month.
Hunters Ridge is fairly well built out at this point, though there is room for expansion of the community onto several thousand acres to the north in Flagler County. That has been under discussion for several years, but lots in this new area are not available yet.
The closest golf course is River Bend, minutes north of Daytona Beach, an 18-hole public facility on 300 acres of woodlands along the Tomoka River. It is a 6,821 yard, par 72 course. River Bend offers the finest practice facilities in the state, from the dual ended driving range, to the practice greens and fairway bunker. During a round of golf at River Bend you'll discover that preservation of the environment is a priority. From their Southern Colonial Club House, to the 18th hole, the significant wetlands have been protected. Even their Logo - Florida's Gentle Giants - is a statement of the commitment to nature.
Use the widget below to search homes for sale in Hunter's Ridge of Ormond Beach, FL, and contact me for more information about any of the properties, or Ormond communities.
Sherry Armstrong, Realtor
386-679-3191
yourkeytothebeach@gmail.com
http://www.ormondbeachflhome.com/
