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    • San Ramon, CA

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    4. Tampa Bay

    Tampa Bay

    16 articles
    3 experts

    Latest Articles

    • Why Your Florida Mortgage Payment Can Change: Escrow, Taxes and Insurance Explained

      Escrow explains why a Florida mortgage payment can change even when the rate does not. Learn how taxes and insurance factor in, and how to plan for them.

      Josh Richardson10
    • Florida Closing Costs, Line by Line: What Tampa Bay Buyers Will See

      Closing costs come from several sources. Here is how a Florida purchase is usually organized, from lender and title charges to taxes and escrow deposits.

      Josh Richardson20
    • First-Time Homebuyer in Tampa Bay? Your Step-by-Step Mortgage Timeline

      A plain-English roadmap for first-time buyers in the Tampa Bay area, from checking your credit and getting pre-approved to closing day and getting your keys.

      Josh Richardson21
    • Buying a Tampa Bay Condo: What Lenders Look at Beyond Your Credit

      Financing a condo around Tampa Bay means the building gets reviewed too. Here is what lenders commonly check and what to ask before you make an offer.

      Josh Richardson40
    • Is There Really a Beach in Apollo Beach?

      Yes, and it's beautiful. Why you can't swim at the Apollo Beach Nature Preserve, where locals swim instead, and the famous Gulf beaches an easy drive away.

      Shawna Calvert50
    • Buying Near the Water? Flood Zone Questions Every Tampa Bay Buyer Should Ask

      A Tampa Bay buyer's checklist for flood zones, flood insurance and your mortgage: what to ask before you make an offer on a Florida home.

      Josh Richardson40
    • Boating in Apollo Beach: What Life on a Canal Is Really Like

      Boating in Apollo Beach from your own dock: tides and draft, bridge clearance, lift capacity, the master dock plan and manatee zones.

      Shawna Calvert50
    • Buying a Waterfront Home in Apollo Beach: What to Check First

      Buying a waterfront home in Apollo Beach? Check canal depth at low tide, the master dock plan, lift capacity, seawall cost, flood zone and CDD before you offer.

      Shawna Calvert20
    • Buying in Apollo Beach as a Canadian: What Actually Matters

      Canadian buyers in Apollo Beach: the day-count rules, FIRPTA withholding on the sale, no homestead exemption, CDD fees, and the waterfront questions to ask first.

      Shawna Calvert40
    • Apollo Beach Waterfront Homes: What Your Budget Really Buys

      What does waterfront living cost in Apollo Beach? See what buyers can realistically expect from $550K to $1.9M, from older canal homes to updated homes with pools, docks and lifts.

      Shawna Calvert30
    • What Does It Really Cost to Own a Home in Apollo Beach, Florida?

      The mortgage is only part of the cost of living in Apollo Beach. Here is what buyers should know about insurance, taxes, CDD and HOA fees, Florida home maintenance, boating, storage, groceries, and the services you'll want lined up.

      Shawna Calvert20
    • How Far Is Apollo Beach Really From Tampa and MacDill? (Spoiler: Not Far At All)

      How far is Apollo Beach from Tampa and MacDill? About 35-40 minutes, plus you're 40 minutes from three international airports. Here's the full picture.

      Shawna Calvert40
    • Are There Sinkholes in Apollo Beach and the South Shore of Tampa Bay?

      Sinkholes are very rare on the South Shore of Tampa Bay. Here’s why, how they differ from ordinary settlement, how each gets fixed, and what it means for your insurance.

      Shawna Calvert3050
    • What Tampa Bay Lenders Check at Mortgage Pre-Approval (and How to Prepare)

      A plain-English look at what a lender reviews during mortgage pre-approval in Tampa Bay, and how to get your documents and finances ready before you shop.

      Josh Richardson61
    • Fall 2026 Tampa Bay Guide: Events, Dining & Growth

      Discover what Fall 2026 holds for Tampa Bay, from new Water Street and Clearwater dining to major neighborhood growth across Pasco, Pinellas and Manatee…

      Jamie Andis100
    • Bank vs Mortgage Broker in Tampa Bay: Which Serves You Best?

      Bank, credit union or mortgage broker? A practical guide for Tampa Bay buyers on how each works, when each fits, and how to compare Loan Estimates.

      Josh Richardson120

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    Top Experts

    • S

      Shawna Calvert

      Agent

      8 articles

      Apollo Beach, FL
    • J

      Josh Richardson

      Mortgage Broker & Branch Manager

      7 articles

      Tampa, FL
    • J

      Jamie Andis

      Branch Manager

      1 article

      Plymouth, MI