TEAM KAPLAN
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FEATURED LISTINGS
- 4 Beds2 Baths2,205 SqFt1/65 65Active
- 3 Beds2 Baths2,254 SqFt1/63 63Active
- 2 Beds2 Baths960 SqFt1/33 33Active
- 1 Bed1.5 Baths800 SqFt1/38 38Active Under Contract
- 3 Beds1 Bath966 SqFt1/36 36Active
- 2 Beds2 Baths1,162 SqFt1/44 44Price Dropped by $3K
RECENTLY SOLD
TESTIMONIALS
- Tejendra SinghGood people
- Jess Taborjust wow! We LOVE our new place.. scott did ALL the work… made the entire process so easy and seamless. After a seeing a few places, scott got an idea of what i was looking for and absolutely nailed it on the head. 10/10 would recommend his services/team if you are looking to rent, buy, and/or sell!!!
- Invisible River Airfieldthis team had answers to every issue i created and got me thru the whole process fast and quick
- TELL THE TRUTHThe best home selling experience. They were extremely professional, caring, answered every question and responded to every phone call and text. If you're selling or buying this is the team to pick. They are an amazing group of professionals. Thank You 😊
- david hallerGreat agents Great Team!!!
- Luis SosaEven after we bought our home, Team Kaplan still keeps in contact and sends reminders. Awesome
- Chris PurserScott and his team helped us buy our first home. They really helped to educate us on the things we didn't know, about how to choose, what to watch out for and helped us really understand what we could or could not afford. Now we're in a great house in a neighborhood we love and we couldn't have done it without Scott and his team. Thanks Team Kaplan!
- Tina marie MastandreaAbove and beyond dedicated to getting me in my condo at record speed!!
- Edwin Contreras
- Amy HurleyI would highly recommend Scott and Cristina Kaplan. They are a GREAT team!! Very helpful, professional, and knowledgeable. Thanks for making the whole process go smoothly.
- Evan Johnson
- Mary K WulfScott and his team sold my mom's house quickly and professionally. They walked me through every step of the way. The communication was impressive, I never worried about a thing.
- Gissette MarreroScott found us the perfect home for our family. He is very attentive and comes through. He exceeded our expectation and we are happy with the process.
- Cassandra OharaI can’t say enough good things about this team. We purchased our home 5 years ago through them & it wasn’t the easiest transaction. They navigated it flawlessly, found us the perfect home, went above & beyond for our family. They are very real with their information & don’t just try to make a sale. They recommend the contractors for our home construction project also. We since recommended them countless times to family & friends, everyone, to each they have treated just the same. They are active in the community both their business & their personal lives. This crew became more like family than real estate agents. For that we are thankful.
- gfrancesbI needed to sell my house QUICKLY. Scott listed my house, sold it and closed on it in six weeks start to finish. He was constantly updating me and answered texts and phone quicker than my family does! He helped us find a perfect new home too! This is someone you can trust.
- LScott helped me buy my first home. We finally closed last week after 7 months of back and forth with different homes, and financing options. He kept me informed of any hiccups, but followed them with all possible solutions. He was relentless with negotiations!
- Michael MarreroI can not say enough about Scott. He’s a true professional and extremely knowledgeable. I was looking for my first duplex investment and thankfully I came across Scott because he truly understands the business. Scott provided me with ideas and recommendations that I could only imagine come from his many years of experience in the industry. Very happy to say that yesterday we closed on a property and soon we will be getting ready to look for the next property investment with Scott’s help.
- Michelle Lara-OteroWonderful service
- Pedro BarberaScott is very professional and just gets things done fast and simple. Strongly recommend.
- Rafael GruenbaumScott Kaplan & Associates did an amazing job in helping me find my first home. Thank you Scott!
- Manuel BarriosScott Kaplan helped my wife and i find our first home and he did a great job. He listened to what we we were looking for and also our budget and showed us many houses in that range. Since it was our first time buying a house Scott was able to educate us about some things we should look for when making a purchase. He was always professional, responsive and on time. We found a house that was perfect for us. I would definitely give Scott and his team my recommendation if you are looking to purchase a house in south Florida. A+
- Jade RyanI highly recommend this or oficient and knowledgeable staff. Scott Kaplan was attentive and efficient in assisting me with finding homes based on my personal needs. In addition, Kaplan and Associates has assisted friends and coworkers in finding rentals and homes to buy. Excellent service from a professional team.
- Jose y Carolina Delgado - AristimunoWe have been clients of Kaplan & Associates for the past few years. They helped us purchased our fist home at a fantastic price and later helped us rented it out in a record time of 1 week. We are loyal clients and will always trust them.
- Garry EbanksI've known and worked with Scott for around five years and have found him to be hardworking, sincere, with integrity, knowledgeable and full of energy. If you're looking for property, he's your man! Garry Ebanks - All Florida Inspections
MY BLOGS
New 2024 Flood Disclosure Law: What Florida Homebuyers Need to Know
Starting October 1, 2024, Florida will implement a new flood disclosure requirement for residential real estate transactions. According to Florida Statute 689.302, sellers must now provide a flood disclosure to potential buyers at or before the time a sales contract is signed. The flood disclosure will include: Whether the seller has ever filed a claim with their insurance for flood damage on the property. Whether the property has received any federal assistance related to flood damage. For the purposes of this law, “flooding” is defined as a temporary or general condition of partial or complete inundation of a property. Flooding can occur due to: Overflow from inland or tidal waters. Unusual and rapid accumulation of runoff or surface water from established sources, such as rivers, streams, or drainage ditches. Prolonged periods of standing water caused by rainfall. One important detail to note is that Florida courts are divided on whether a property's tendency to flood is considered "readily observable." If it is, sellers may not be legally required to disclose this information. However, for buyers unfamiliar with an area, flooding risks—especially seasonal ones—may not be obvious, making this disclosure vital. Additionally, the Federal Emergency Management Agency (FEMA) designates certain homes as "severe repetitive loss properties." These are homes that have either flooded twice with damages equal to the property’s value or flooded four times with damages exceeding $5,000 each time. There are approximately 45,000 such properties in the U.S., with about 3,100 located in Florida. FEMA shares flood history only with the property owner if they hold an active flood insurance policy. This means prospective buyers may not have access to this information prior to closing, highlighting the importance of the new flood disclosure requirement. Lastly, standard homeowners' insurance policies typically do not cover flood damage, so buyers should consult with their insurance agents about obtaining separate flood insurance. This new disclosure requirement provides buyers with essential information, ensuring greater transparency in real estate transactions and helping them make more informed decisions before signing a contract. As always, my team is here to answer any questions you have and help navigate the everchanging market with you! Source: Florida Realtors®
Florida Condo Buyers: New Structural Reports You Need to Know by Dec 31!
Florida Condo Associations Face New Reporting Requirements by December 31, 2024 As the December 31, 2024, deadline approaches, many Florida condo associations are required to complete two key inspection reports that could significantly impact condo buyers, sellers, and current owners. These reports are designed to provide essential information about the long-term costs of ownership and potential structural issues. What Buyers and Sellers Need to Know Condo associations must submit a Milestone Inspection Report and a Structural Integrity Reserve Study to ensure transparency about the structural condition of their buildings. These reports are critical for buyers to assess the true cost of ownership and help sellers comply with new laws before closing a sale. For condo owners, these reports will reveal potential future costs related to structural repairs. Many associations across Florida, particularly those managing buildings that are three stories or higher and over ten years old, must have these reports completed by the year-end deadline. Once received, the reports must be delivered to each condo owner within 45 days and posted on the association’s website, if applicable. Addressing Transparency Issues Historically, access to accurate financial and structural information has been challenging for condo buyers. This new reporting requirement aims to address that lack of transparency, making it easier for potential buyers to understand the true condition of a building and its financial obligations. The reports will provide valuable insight into future costs, helping buyers avoid surprises related to major structural repairs. What the Reports Cover Milestone Inspection: This visual inspection, conducted by a qualified engineer, assesses the structural elements of buildings 30 years or older. If the inspection uncovers significant issues, a more detailed analysis is conducted. The goal is to identify any potential hazards before they escalate. Structural Integrity Reserve Study: This study assesses the remaining lifespan of key building components like the roof, plumbing, electrical systems, and load-bearing walls. It outlines how much the association needs to collect in reserves to cover future repair or replacement costs over the next 10 years. The Importance for Buyers and Sellers Buyers can use the information from these reports to negotiate prices if significant future repairs are identified. Sellers, on the other hand, are now legally required to provide these reports to prospective buyers before closing a sale, ensuring full transparency. If the reserve study indicates high future costs, buyers might find it harder to secure a loan or may need to adjust their offer accordingly. Why This Law Was Passed The reporting requirements were implemented following the tragic collapse of Champlain Towers South in Surfside in June 2021, which claimed the lives of 98 people. The incident highlighted that many older condo buildings were not adequately maintaining their structural integrity or collecting sufficient reserves to fund necessary repairs. As a result, the state legislature enacted stricter safety and financial regulations for condo associations. What Happens If the Deadline Isn’t Met? While the reports are required by the December 31 deadline, there is currently no direct penalty for associations that fail to complete the Structural Integrity Reserve Study on time. However, the lack of a report can still have significant consequences. If a buyer’s lender requests the study and the association cannot provide it, or if an insurance carrier requires it for coverage, transactions could be delayed or fall through. The Future of Condo Buying in Florida These new requirements are designed to make condo buying in Florida more transparent and secure, helping buyers make better-informed decisions. However, some experts believe that additional measures should be taken, such as allowing potential buyers to access these documents before signing a contract, not just after. Overall, the new inspection requirements mark a shift toward greater accountability and transparency in Florida’s condo market, ensuring that both buyers and sellers have a clearer picture of the financial and structural health of condo buildings before moving forward with a sale. What’s Next? While there’s talk of potential extensions to the reporting deadline, especially to ease the financial burden on fixed-income owners, the law currently stands firm. Buyers and sellers alike should prepare by understanding these requirements and ensuring all necessary documents are in place to facilitate smooth real estate transactions. With these new reports, buyers will be more informed than ever before, and sellers can expect smoother, more transparent transactions. Source: Florida Realtors® & South Florida Sun-Sentinel
Mortgage Help for Homeowners After Hurricanes
After a hurricane, the stress of dealing with damages is overwhelming—and so is keeping up with mortgage payments. Fortunately, if your mortgage is backed by Fannie Mae, Freddie Mac, or the Federal Housing Administration (FHA), there are programs available to provide relief. However, homeowners must take the first step by contacting their mortgage servicer. How to Find Out Who Owns Your Mortgage The majority of U.S. mortgages are backed by either Freddie Mac, Fannie Mae, or FHA. If you’re unsure who owns your loan, start by reaching out to the company that you make your payments to, known as your mortgage servicer. You can also use online tools to check whether Fannie Mae or Freddie Mac owns your mortgage: Fannie Mae’s Lookup Tool Freddie Mac’s Lookup Tool Mortgage Relief Options After a Disaster Each program offers different forms of assistance, but they all aim to ease the burden on homeowners affected by a disaster. For example, Freddie Mac provides up to 12 months of mortgage forbearance—a temporary pause in payments—without late fees or penalties. Here are the common options available: Reinstatement: This option allows homeowners to make a one-time lump-sum payment to bring their loan current. While this is not required, it’s the quickest way to get back on track if financially possible. Repayment Plan: Homeowners can gradually catch up on missed payments by paying a little extra each month, alongside their regular mortgage payment. Payment Deferral: If homeowners can resume their regular payments, any missed payments are moved to the end of the mortgage term. This option doesn't add interest or penalties. Loan Modification: For homeowners facing a longer-term financial hardship, loan modification reduces the monthly mortgage payment to an affordable amount. Relief for Disaster Zones and Beyond These disaster-relief programs are automatically available to homeowners in FEMA-declared disaster areas. However, even if your home is outside of a designated zone, you may still be eligible for assistance if the hurricane caused significant damage that impacts your ability to make mortgage payments. While you’re in a forbearance plan, foreclosure proceedings and other legal actions are paused, giving you the time to recover and work through your financial situation. Next Steps for Homeowners If you’ve been affected by a hurricane, it’s important to act quickly. Contact your mortgage servicer to discuss the available relief options and start the process as soon as possible. Freddie Mac Fannie Mae FHA Being proactive can provide the breathing room you need to recover from the disaster and manage your mortgage payments without additional stress.