30A Wednesday Night Bonfire on the Beach

30A Wednesday Night Bonfire on the Beach

Wednesday Night Bonfire on the Beach

July 24 @ 6:00 pm – 9:00 pm

|Recurring Event (See all)
The Bay Bonfire on the Beach Live Music

Wednesday Night Bonfire on the Beach!

Join in every Wednesday night from 6-9 p.m. for live music on the beach at The Bay. Come dine, drink and enjoy the sights and sounds of live music!

Chef Jim Shirley’s family-friendly waterfront restaurant features mouth-watering Southern gulf coast cuisine, sushi, a 12-draft beer system, excellent wine selections, and inventive bar-crafted cocktails. Table and bar seating is available inside and outside on the deck overlooking Choctawhatchee Bay.


July 24
6:00 pm – 9:00 pm
Event Tags:


The Bay
24215 Hwy. 331 South
Santa Rosa Beach,FL32459United States
+ Google Map
(850) 622-2291
Family Movie Night in 30A

Family Movie Night in 30A

Family Movie Night in 30A

July 17 @ 7:00 pm – 9:00 pm

|Recurring Event (See all)

The Hub Movie Night

Join in for Family Movie Nights every Wednesday at The Hub on 30A! Featuring family-friendly classics on a weekly basis, this event is free to the public.


July 17
7:00 pm – 9:00 pm
Event Category:
Event Tags:


The Hub 30A
7000 East County Highway 30A
Watersound Beach,FL32461United States
+ Google Map
(850) 213-0782
Alice in Wonderland- 30A Free Event

Alice in Wonderland- 30A Free Event



Name: Alice in Wonderland
Date: May 20, 2019August 19, 2019
Event Description:
Lewis Carroll’s classic children’s novel, Alice’s Adventures in Wonderland, tells the story of Alice, a young, curious girl who falls down a rabbit hole and into Wonderland. There, she encounters some of the strangest and most peculiar creatures, including the Cheshire Cat, the Mad Hatter, and the Queen of Hearts.
Join Alice and The REP actors as they make their way through this fantasy world where the unexpected is to always be expected. This is a complimentary event to the public. Bring your blankets, chairs, and snacks and be prepared for some fun!
Seaside Amphitheater Central Square Santa Rosa Beach, FL 32459
Date/Time Information:
Monday evenings 5/20- 8/19 6:30PM-7:30PM
Contact Information:
Aubrey Ainsworth
[email protected]
Gulfarium Marine Adventure Park – Ft Walton Attractions

Gulfarium Marine Adventure Park – Ft Walton Attractions

Gulfarium Marine Adventure Park

Address1010 Miracle Strip Pkwy SE, Fort Walton Beach, FL 32548

Tickets Average $15-$20
Hours:  Daily 9am to 4:30pm

Tourist attraction in Okaloosa Island, Florida

Open since 1955, this marine park features dolphin encounters & shows with sharks, rays & dolphins. See their Website or get Directions.

The Gulfarium Marine Adventure Park located in Ft Walton beach FL has entertained millions since its inception in 1955.Started by J.B. “Brandy” Siebenaler, a well-respected marine researcher and graduate of the University of Miami’s Marine Laboratory in the early 1950’s . He had a vision to display marine life in a way that visitors to this area had never seen before. Brandy sold the the groundbreaking idea to developers of northwest Florida- that Fort Walton Beach needed an aquarium, a tourist attraction, and scientific research center.

In the beginning, the main habitat contained multiple animal species including sharks, dolphins, rays, and sea turtles. This habitat doubled as both the dolphin show and the Living Sea exhibit with a daily shark feeding demonstration on SCUBA gear. Glass portholes at varying levels gave the visitor the impression of actually being in the sea with the marine life.

In 1956 a separate Living Sea exhibit was built, providing another view “under the sea” with daily dive demonstrations led by Gulfarium staff. This was the first aquarium of its time to feature viewing windows that stretched from the sea floor to the water’s surface.  While common now, this was groundbreaking at the time. Throughout the years, additional pools and exhibits have been added including sea lions, seals, otters, alligators, and exotic birds.

The Gulfarium’s extensive history of shows and demonstrations continues to this day, with the recent addition of close-up animal encounters, providing our visitors with a new dimension of discovering sea life.


Google reviews Of Gulfarium Marine Adventure Park:

More Google reviews

a week ago
Just the right size to spend a couple hours an get a little sea life education. Great job by friendly an helpful staff. We had ages 2 to 13 an they all enjoyed it. Not so much that the little ones are over stimulated. Not so small the older ones are bored. Just right.
4 weeks ago
Small park allows you to get up close to many amazing sea creatures. General admission cost is reasonable. I suggest buying tickets online ahead of time. Staff is wonderful. Shows are family friendly and informative. Touching pool is a …More
a week ago
Small and quaint little aquarium. It is very small, which as an animal lover I’m just wondering if they have enough room or if their living conditions are too crowded for them but they appear healthy and genuinely happy. The trainers all …More
From Gulfarium Marine Adventure Park’s Website:
“Since 1955, Gulfarium Marine Adventure Park is dedicated to educating, entertaining, and inspiring our guests to respect and preserve wildlife by providing unique and memorable experiences for visitors of all ages to connect with marine life.”
More info…

Indian Temple Mound Museum- Ft Walton

Indian Temple Mound Museum

Museum in Fort Walton Beach, Florida


The Fort Walton Mound is an archaeological site located in present-day Fort Walton Beach, Florida, United States. The large platform mound was built about 850 CE by the Pensacola culture, a local form of the Mississippian culture. Wikipedia

Address139 Miracle Strip Pkwy SE, Fort Walton Beach, FL 32548
Area87,120 ft²

Thursday 10AM–4:30PM
Friday 10AM–4:30PM
Saturday 10AM–4:30PM
Sunday Closed
Monday 10AM–4:30PM
Tuesday 10AM–4:30PM
Wednesday 10AM–4:30PM
Suggest an edit
Added to NRHPOctober 15, 1966
HomeBuyer University-Lesson #11: Buying A Home After Bankruptcy in 2019

HomeBuyer University-Lesson #11: Buying A Home After Bankruptcy in 2019

What to Know about Buying a Home After Bankruptcy 

Buying A Home After Bankruptcy

Buying After Bankruptcy

Declaring Chapter 7 or Chapter 13 bankruptcy is often devastating and can turn your home buying plans upside down.
Going into bankruptcy shuts down your ability to borrow money or use a credit card, severely lowering your credit score.
It will take some time to build back enough credit to apply for a new credit card or to take out a mortgage on a home. However, with proper preparation, patience, and financial planning, you might be able to purchase a home sooner than expected.

1. Discharge and Organize

First things first: The bankruptcy must be discharged. If you are still in the process, or if you are still in credit counseling or any other program that takes over your finances, no mortgage lender will speak to you.
Once your bankruptcy is discharged, organize and scrutinize your credit report. If there are debts that have been paid back but still appear on your report, contact the credit agency and have them corrected. While you’re at it, check for other mistakes on your credit report. You are entitled to one free credit report from each of the big three credit rating agencies each year—Equifax, Experian and TransUnion. If there is an error, dispute it online via the particular credit agency’s website.

2. Use Secured Credit Cards and Installment Loans

The fastest way to start rebuilding your credit score after a bankruptcy is to prove to creditors and other lenders that you can be trusted to pay back the money you owe them. You can do this two ways: secured credit cards and installment loans.
A secured credit card gives you credit limited to the amount you have on deposit with the issuing bank. So, if you have $20 to $500 to place in an account with the issuing bank, then the bank will limit your credit each month to the amount of that deposit.
An installment loan is simply one where you make installment payments each month. It can be a personal loan, car loan or student loan. If you get an installment loan, then you only need to do one thing: make your monthly payments on time.

3. More Tips to Remember While Building Credit

Use only a small portion of your credit. Don’t max out your credit cards and don’t apply for too much credit at one time.

Move slowly and build up your credit with on-time or even early payments. When possible, pay back more than the monthly minimum.
Pay all your bills on time and save money.
Stay at the same job for a good length of time.
Remove any outstanding tax liens.
Wait at Least Two Years
Here’s where you will need patience: You should wait at least 24 months after your bankruptcy is discharged to apply for a mortgage. You may be able to get a mortgage sooner but the terms, like interest rates, won’t be as attractive as they would be if you waited two years. Since you might be paying that mortgage interest for up to 30 years, you will save money if you wait long enough after the discharge to get a good interest rate.

4. Finally Applying For a Mortgage

After the two-year period, make sure you are fully prepared to apply for a loan. Your lender will want you to meet certain criteria before agreeing to lend you money: A good debt-to-income ratio, stability and time on the job. Money in the bank and no bounced checks help tremendously, of course. Any retirement plans or 401(k) assets makes your credit look good as well.
And remember, a big down payment carries a lot of weight. Keep that in mind during the two-year waiting period and save as much as you can.
As you can see there are lots of questions to ask before buying a condominium. It makes sense to do your home work so you are not only happy the day you buy but years into the future!

LaTricia Kelly, Realtor® EXP Realty, LLC 941-479-0970 | 850-461-4914 [email protected] https://emeraldcoasthouses.com


HomeBuyer University-Lesson #10: Condos and Homeowner’s Associations

HomeBuyer University-Lesson #10: Condos and Homeowner’s Associations




Top questions to ask before buying a condominium in 2019

The questions to ask when buying a condo found below are something every buyer should consider when purchasing this type of housing. I would be willing to bet that many of these questions are nothing that many buyers would have ever thought to ask. After reading I am sure you will agree they are super important!

What are the condo association rules?

There is no question that buying a condo is a lot different than buying a home. There are a tremendous amount of details that every buyer faces when purchasing a home from getting a home inspection, to procuring a mortgage, to purchasing home insurance, to deciding whether Real Estate title insurance is a good idea. Buying a condo typically involves all of these things plus a whole lot more. There are questions that every buyer should ask before buying a condominium.
One of the biggest things buyers fail to understand about buying a condo is that they will usually be buying into a community where there are rules and regulations that must be followed. It is not like owning a home where the majority of the time you are able to make improvements such as adding shrubbery, planting a garden, or putting up a fence if you like.
Unlike a home, with a condo you own from the walls in. The outside of a condominium is owned by a democracy where you must abide by the rules. The point here is that you are not the king of your castle when owning a condo. Many condo communities either have an outside condo association with a management company involved or a direct home owners association where all the home owners decide what can and can’t be done.
Investigating the condo rules and regulations are an important consideration especially if you are used to the freedom of not having to answer to anyone else. I can tell you first hand there are some condo neighborhoods where the people that make up the rules do so just to make your life miserable. Just picture that crotchety old person that has nothing better to do than complain about every little thing they see. Their self importance is on display at every turn. This is not to say that every condominium community is like this but it sure pays to find out before making a purchase!
If planting a garden is important to you, ask before buying. Think you might want to add a patio? Be sure to ask if this is even possible. One the things that I have heard from some of my past buyer’s is how surprised they are about the stringency of the rules at the condo community in which they live.
Besides finding out what can be done aesthetically to your townhouse, one of the major considerations for many folks is the condominiums pet policy. Some condo developments do not allow pets at all. Some have restrictions on the number and size of the pet you can have. The last you want to find out is that Fluffy is not allowed to come with you!
Lastly, you will also want to make certain there are no amendments to the condo by-laws up coming which may deter you from wanting to purchase.

How much are the condo fees?

Another key question to ask when buying a condominium is how much are the condo fees and what exactly do they cover. Condominium association fees are typically based on how many homes there are, what it costs to run the community, whether there is a professional management company, and if there are funds set aside for major repairs or an unforeseen lawsuit.

The condo fees from community to community can also cover vastly different things. Some of these things may or may not be important to you. Possible considerations of what could be included in the condominium fees are the following:
Exterior maintenance of the building
Grounds maintenance including landscaping, lawn mowing, and snow plowing
Master insurance
Water and sewer services
Road maintenance
Trash pick up
In some condo neighborhoods you may find that there are frills that you end up paying for in the condo fee that you may not need or want such as a pool, tennis courts, or recreation center that may also include a gym. If you do not have need for such things this could factor into your buying decision.

Is the complex professionally managed?

There are some condominiums that are under professional management and others that are run by a home owner’s association (HOA). You should find out which is the case at the neighborhood you are considering.
If it under professional management you will want to get the contact information for them and give them a call. Often times they are a great information source for anything you could possible want to know about the complex.
If the neighborhood is not professionally managed you will want to speak to the head of the home owners association. This person will should also be well versed as to the goings on of the complex.

How much money is in the reserve fund?

One of the more important questions to ask when buying a condo is how much money is contained in the reserve fund. This becomes important because it establishes the financial health of the association. You want to know if the association has budgeted enough money in the event that an unforeseen expense arises.
As a general rule a repair/reserve fund should contain about 10% of the annual revenue budget if the complex is under ten years old. If the neighborhood is older than ten years, the budget should be closer to 25% or more on hand for major expenses. Just like anything else the older the buildings are the more maintenance they will require.
While some condo neighborhoods may seem to have super low condo fees, you need to find out if they are funding their reserves properly so you are not stuck with a major expense at some point down the road.
Finding out how much money is in the reserve fund will help partially determine the financial health of the neighborhood. There are also a couple other questions you will want to ask as well when considering buying into a particular condo neighborhood.
One of them is what is the delinquency rate of the owners paying condo fees? You obviously don’t want to be caught in a neighborhood where a large number of owners are not paying their condo fees. Another key financial question is whether or not the condo complex is on the FHA approved list for financing eligibility.
FHA which stands for The Federal Housing Administration which is a government entity that backs loans. The FHA program is one of the most popular out there for home buyer’s due to the reduced down payment requirements which are only 3.5% down. This is a key question to ask when buying a condo because it is of great benefit for a complex to be FHA approved. In today’s real estate environment this is the financing route many buyer’s prefer to take!

Are there any special assessments coming up?

A special assessment is typically a one time fee that will cover a large expenditure needed in the neighborhood. For example maybe all the roofs need to be replaced on all of the buildings. This obviously would be a very large expense.
Sometimes rather than taking it out of the reserve fund a special assessment will be made where it becomes a short term expenditure. If your condo fee was normally $350 per month it may jump to $400 for a certain amount of time. Of course if you are considering buying into the neighborhood you will want to have this information for budgeting purposes. This is definitely a question you want to ask before buying a condo not when you have already purchased and find yourself with a large unexpected bill.

Are there any lawsuits against the condo complex?

Yet another important questions to ask before buying a condo is whether there are any legal concerns! You should make sure there are no pending lawsuits which could in some way impact you financially somewhere down the road. There could be any number of reasons why there may be a lawsuit.
Maybe the home owners have a lawsuit going against the developer for not completing something in the complex or shoddy construction which has caused some kind of issue. Most of the time this is not a major consideration but at least worth investigating.

What is the condominium rental policy?

Finding out the rental policy is a very important question to ask when buying a condo for a couple of reasons. A high number of renters within the complex can have a few negative effects. Condo’s that are not used as the primary residence of the home owner often are more likely to default on a loan than an owner occupied residence.
Many lenders are therefore more reluctant to loan on a condominium that has a high percentage of renters. Renters also do not always have the same pride of ownership. As a result, the property may not be kept as well as if the owner were present. There is also the possibility they may not follow the rules as closely as the owner would.
Fannie Mae and Freddie Mac, the two mortgage giants, may not finance in a complex where there are too many non owner occupied units. The typical owner occupancy rate that lenders look for is at least two thirds. Over the years Fannie and Freddie Mac have learned that when the real estate market turns sour there are far more units foreclosed on in complexes where there is high investor ownership.
When foreclosures are taking place, condo fees often times are not paid so associations have to defer maintenance. Innocent owner occupants can then find themselves held hostage in units which are getting run down, losing value, and stigmatized in the eyes of Realtors and home buyers.
The ability to get a mortgage on a property is not only important when you are a buyer, but also later, when you are trying to sell your home. The last thing you want is to own a non mortgageable property in the future.
On the other side of the coin what if you find you need to move but the condo has lost value since you purchased it. You may want to rent it instead of selling if you are going to take a big financial hit. You may find out you can’t rent if there is a rule on the amount of units that can be rented at any one time. Again this is a question to find out before you sign a purchase agreement NOT after!

What is the parking situation and who is responsible for repairs ?

The parking situation from one condo complex to another can vary greatly. This is an important consideration especially if you have lived in a home before and are used to having guests over quite a bit. There are some condo complexes where you may be granted one or two “deeded” parking spaces in which you become the legal owner for such space.
This means you are the only one who is entitled to park in that designated spot and another owner could not legally park there. They are typically located right in front of or in close proximity to your unit. There are other condo communities where you do not have a deeded parking spot and it is “first come first serve”.
Many condo complexes also have areas where there is dedicated guest parking. People who come and visit are directed to park in these specific areas. This is an important questions to ask before you have signed your offer to purchase contract not when the moving truck is putting your furniture inside the unit.

Who fixes what?

You are going to want to know exactly what you are responsible for in terms of maintenance expenses. For example one of the grey areas in many condo developments is who is responsible for replacing the windows? This is obviously a big expense when the time comes. Is this something the condo association is responsible for or is it yours?
Another example of a grey area is balconies and porches. In some condo’s you are given the option of having a balcony or porch. Make you look at the master deed as well as the unit deed to make sure who actually owns the porch. The porch may be attached to your unit but do you truly own it? In other words are you the one who will pay for repair and maintenance or is that the condo associations responsibility?

Will I need to move in the near future?

There are some excellent reasons to own a condo such as affordability, the need to downsize, or possibly not wanting to have the maintenance headaches that are associated with owning a home. You do however, want to keep in consideration that condo’s typically do not appreciate at the same rate that homes do.
Condominium values have also dropped a lot more in the last Real Estate correction than single family homes as a whole.
While it can be hard to predict what will happen in the future, if things follow previous trends, what you realize in appreciation may be a smaller figure than a home. This makes it even more important to figure out if you really want to live in a particular condominium development.
As you can see there are lots of questions to ask before buying a condominium. It makes sense to do your home work so you are not only happy the day you buy but years into the future!

LaTricia Kelly, Realtor® EXP Realty, LLC 941-479-0970 | 850-461-4914 [email protected] https://emeraldcoasthouses.com


HomeBuyer University-Lesson #9: Short Sales / Bank Owned Homes / Standard Sales

HomeBuyer University-Lesson #9: Short Sales / Bank Owned Homes / Standard Sales

What to Know about Short Sales / Bank Owned Homes / Standard Sales in 2019

How to Buy a REO Home

If you have questions about this, contact us at

[email protected] or 941-479-0970.
  1. Step 1: Engage Professionals & Pre-Negotiation. …
  2. Step 2: Property Listed, Marketed & Sales Contract Submittal. …
  3. Step 3: Short Sale Package & Submittal to Bank. …
  4. Step 4: Lender’s Review. …
  5. Step 5: Lender Response & Submittal to Buyer. …
  6. Step 6: Short Sale Closing. …
  7. Step 7: Post-Closing.

LaTricia Kelly, Realtor® EXP Realty, LLC 941-479-0970 | 850-461-4914 [email protected] https://emeraldcoasthouses.com