Beyond The Horizon Group
Beyond The Horizon Group is led by Stacy and Melanie Glover, a dedicated husband-and-wife team of REALTORS® with Keller Williams Island Life Real Estate.
We are committed to providing exceptional service and guidance throughout your entire real estate journey. We understand that buying or selling a home is a significant life event, and we go the extra mile to ensure a smooth and successful experience.
Our clients can rely on our availability and dedication, as we stay with them every step of the way, from the initial consultation to the successful closing and beyond.
We are here to make your buying or selling journey as seamless and stress-free as possible.
Our Commitment
Our Vision
At Beyond the Horizon Group, our vision is to be the leading real estate resource across Florida, specializing in the vibrant West Gulf Coast Area. We aim to empower every client to confidently achieve their property goals, fostering lasting relationships built on trust, expertise, and unparalleled service, ultimately guiding them to their perfect home or investment.
Our Mission
Our mission at Beyond the Horizon Group is to provide exceptional, client-focused real estate services. We are dedicated to delivering expert guidance, innovative solutions, and a seamless experience for buyers and sellers alike. Through personalized attention and a deep understanding of market dynamics, we strive to exceed expectations, making every real estate journey efficient, enjoyable, and successful.
Our Values
At Beyond the Horizon Group, our values are the bedrock of everything we do. As Realtors, we hold ourselves to the highest ethical standards and take this commitment with the utmost seriousness. Our culture, both within Keller Williams Island Life Realty and specifically at Beyond the Horizon Group, is always profoundly rooted in integrity, ensuring every interaction and transaction is conducted with honesty, transparency, and your best interests at heart.
Our Resources
At Beyond the Horizon Group, our strength is amplified by an unparalleled network of resources. We’re proud to be backed by our dedicated Broker at Keller Williams Island Life Realty, providing us with robust support and cutting-edge tools. This foundation, combined with our collective years of expertise in successfully guiding clients through buying and selling homes, ensures we bring a wealth of knowledge to every transaction. Furthermore, as part of the worldwide Keller Williams family, we offer our clients a vast connection to a powerful network, extending our reach and capabilities far beyond local boundaries.
TESTIMONIALS
Frequently Asked Questions
Closing costs are the various fees and expenses involved in completing a real estate transaction in Florida, typically ranging from 2% to 5% of the purchase price for buyers and often 7-10% (including commissions) for sellers. For buyers, common costs include lender fees, appraisal, title insurance, and prepaid escrow items like property taxes and homeowner’s insurance. Sellers generally cover real estate commissions, state documentary stamp taxes on the deed, owner’s title insurance, and prorated property taxes, though the exact division of costs is always negotiable and outlined in the purchase agreement.
Homeowners’ Associations (HOAs) are prevalent across Florida, especially in planned communities and condominiums along the West Gulf Coast, and they significantly impact property ownership by governing community living. When you buy a property in an HOA community, you automatically become a member and are legally bound by its Covenants, Conditions, and Restrictions (CC&Rs), bylaws, and rules, which dictate everything from exterior paint colors and landscaping to parking, pet policies, and even rental restrictions. While HOAs collect mandatory fees to maintain common areas and amenities, they also enforce standards aimed at preserving property values and community aesthetics, making it crucial for prospective buyers to thoroughly review all HOA documents to understand their obligations and the association’s governance.
The average timeframe to close on a home in Florida typically ranges from 30 to 45 days once a contract is signed, although this can vary based on several factors. Cash purchases can often expedite the process, potentially closing in as little as 1-2 weeks, as they bypass the lengthy mortgage underwriting and appraisal stages. Conversely, transactions involving financing, particularly FHA or VA loans, may take longer due to stricter lender requirements and more extensive documentation. Factors such as title issues, appraisal discrepancies, inspection negotiations, or delays in submitting required documents can also extend the closing timeline.
Yes, flood zones are a very significant concern and a critical consideration for properties along Florida’s West Gulf Coast due to the region’s low elevation, proximity to water, and susceptibility to tropical storms and hurricanes. Properties are categorized into different flood zones by FEMA based on their risk of flooding, which directly impacts whether flood insurance is mandatory (especially with federally-backed mortgages) and the cost of premiums. Even properties in low-risk zones can experience flooding, making it crucial for buyers to understand a property’s flood zone designation, potential insurance requirements, and how this might influence long-term ownership costs and safety.
Earnest money, also known as a good-faith deposit, is a sum of money a buyer puts down to show serious intent to purchase a property, which is typically held in an escrow account by a neutral third party like a title company until closing. In Florida, its refundability largely depends on the contingencies written into the purchase contract, such as financing approval, a satisfactory home inspection, or the property appraising at or above the sale price; if any of these conditions are not met within the specified timelines, the buyer can usually withdraw from the contract and receive their earnest money back. However, if the buyer backs out without a valid contractual reason or fails to meet contractual deadlines, the seller may have the right to keep the earnest money as compensation for taking their home off the market.
Obtaining a mortgage pre-approval in Florida is a crucial first step for serious homebuyers, as it gives you a clear understanding of how much you can afford and signals to sellers that you are a qualified buyer. The process typically involves submitting a detailed mortgage application to a lender, who will then conduct a ‘hard’ credit pull, verify your income (from pay stubs, W-2s, or tax returns), employment history, and review your assets (bank statements, investment accounts) and existing debts. Once your financial profile is assessed, the lender provides a pre-approval letter stating the maximum loan amount you qualify for, which is usually valid for 30 to 90 days, giving you confidence and leverage when making an offer in a competitive market.
The National Association of Realtors (NAR) has implemented significant rule changes, effective August 17, 2024, stemming from a class-action lawsuit settlement aimed at increasing transparency and buyer-seller negotiation flexibility regarding commissions. The most prominent change prohibits listing brokers or sellers from offering buyer agent compensation through the Multiple Listing Service (MLS), effectively ending the long-standing practice of sellers implicitly paying both agents via the MLS. Additionally, buyer’s agents are now required to secure a written representation agreement with their clients before showing properties, clearly outlining their services and negotiable compensation, ensuring buyers are fully aware of their agent’s fees upfront and fostering more direct discussions about commissions.
A Wind Mitigation Inspection is a specialized assessment of a home’s features that help it resist damage from high winds, particularly crucial in hurricane-prone Florida. During the inspection, a certified professional evaluates elements like roof shape, roof covering, roof-to-wall attachments (e.g., hurricane clips or straps), window and door coverings (e.g., shutters or impact glass), and secondary water resistance. The report generated from this inspection details the wind-resistant features of the property. Its importance lies primarily in potentially significant savings on homeowners’ insurance premiums, as Florida law mandates that insurance companies offer discounts for homes with proven wind-resistant features, helping to reduce the overall cost of homeownership and enhance the safety and resilience of your investment against severe weather.
While an owner’s title insurance policy is generally not legally mandatory for a cash purchase, it is highly recommended and almost always required by lenders when financing a home in Florida, serving as crucial protection for both parties. Title insurance safeguards against unforeseen defects in the property’s title—issues that could arise from past ownership, such as undisclosed heirs, fraudulent documents, unreleased liens, or errors in public records, even after a thorough title search. A lender’s policy protects the mortgage lender’s financial investment, while an owner’s policy, for a one-time premium paid at closing, protects your equity and legal ownership rights for as long as you own the property, providing immense peace of mind against potential future claims or costly legal disputes.
When purchasing new construction in Florida, particularly on the West Gulf Coast, several key factors warrant careful consideration beyond just the appealing model home. It’s highly advisable to engage your own independent real estate agent from the very beginning, as the builder’s agent represents the builder’s interests, not yours. Thoroughly review the builder’s contract, which can be complex and builder-friendly, paying close attention to timelines, deposit structures, and clauses regarding delays. Understand what’s included in the base price versus upgrades and lot premiums, as these can significantly increase the final cost. Always arrange for independent inspections at key stages (like pre-drywall and final walkthrough), even if the builder conducts their own, to ensure quality and identify any defects. Lastly, understand the new home warranty offered by the builder, as Florida now mandates a one-year transferable warranty, and be aware of any associated HOA fees and community amenities.
Purchasing waterfront property on Florida’s West Gulf Coast comes with unique considerations beyond a standard home purchase. You’ll need to account for potentially higher insurance costs, including mandatory flood insurance depending on the flood zone, and often higher homeowner’s insurance due to increased storm risk. Critical structural elements like seawalls and docks require specific attention; you should assess their current condition, understand their maintenance requirements and costs, and verify that any existing structures have proper permits, as permitting for new construction or repairs on such features can be complex and regulated by multiple agencies. Additionally, understanding your riparian rights, potential shoreline erosion history, and local environmental regulations is crucial for enjoying and maintaining your investment.
Selling a home in Florida involves several distinct aspects compared to other states, primarily revolving around disclosure requirements, traditional closing practices, and unique tax considerations. Florida law, notably through the “Johnson v. Davis” ruling, mandates that sellers disclose all known material defects that are not readily observable and that could affect the property’s value, even in “as-is” contracts, which is a higher standard than some states. While attorneys often handle closings in other regions, Florida traditionally uses title companies or real estate attorneys, with specific customs dictating who pays for the owner’s title insurance (often the seller). Additionally, sellers face a state documentary stamp tax on the deed, property taxes are paid in arrears and prorated at closing, and special withholding rules (FIRPTA) apply to foreign sellers, making expert guidance particularly valuable.
While not legally mandatory, a professional home inspection is highly essential when purchasing a property, especially on the West Gulf Coast of Florida. It provides an independent, expert assessment of the home’s condition, uncovering potential issues that might not be visible during a walkthrough, such as structural concerns, HVAC problems, plumbing leaks, or even signs of mold or pest activity common in Florida’s humid climate. The detailed report arms you with crucial information, allowing you to make informed decisions, negotiate repairs or price adjustments with the seller, and ultimately protect your investment and peace of mind.
Homeowners’ Associations (HOAs) are prevalent across Florida, especially in planned communities and condominiums along the West Gulf Coast, and they significantly impact property ownership by governing community living. When you buy a property in an HOA community, you automatically become a member and are legally bound by its Covenants, Conditions, and Restrictions (CC&Rs), bylaws, and rules, which dictate everything from exterior paint colors and landscaping to parking, pet policies, and even rental restrictions. While HOAs collect mandatory fees to maintain common areas and amenities, they also enforce standards aimed at preserving property values and community aesthetics, making it crucial for prospective buyers to thoroughly review all HOA documents to understand their obligations and the association’s governance.