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Displaying blog entries 11-20 of 355

5 Signs it Might Be Time to Downsize

by Michelle Chenault

In the United States, it’s rare that we discuss downsizing as an attractive option. Most of the time, we talk about trading up rather than trading down, but downsizing is becoming an increasingly popular option among a wide range of people – not just retirees.

Perhaps surviving the recent recession taught us all a valuable lesson: less can certainly be more.

So, are you considering downsizing from your larger home to something a bit smaller and cozier?

Downsizing your home and your life is a big step.

Here are five signs that might mean it’s time to downsize.

Your Home is Too Big

Bigger is not always better. At some point, more rooms just become more empty rooms. Have you passed the point where you need a four-bedroom, four-bath home? Have all your children moved away and started lives of their own? Are there rooms in your home you have not visited in months? If you feel your home is just too big, it might be time to downsize to a smaller, more manageable home.

Maintaining Your Home has become a Chore

If you find yourself spending an entire weekend cleaning your house from top to bottom or all Sunday maintaining a massive yard and pool that you rarely use, it might be time to downsize. If you don’t use something, why spend all that time, money and energy maintaining it? You might be better off with something that is easier for you to maintain. Condos are a great option as all external maintenance – including the pool – is covered under your HOA fees.

The Financial Burden is Too Great

Have you recently retired or had a reduction in income? Maybe you have new expenses such as medical bills that are putting a strain on your finances. Maybe you’re just tired of paying that massive house note and power bill each month. Financial situations change over time. Whatever your reason, no one should have to struggle just to make a house payment and keep the lights on. Downsizing will certainly reduce your financial burden.

You Want to Move Closer to Family

Downsizing to a smaller home or condo can make moving to a new area of the country in order to be closer to your children and grandchildren much easier.  There is an abundance of small homes in nearly every city in America; the same cannot be said for larger, more luxurious homes.

You Can Realize a Large Profit from the Sale of Your Home

Buying a home is often touted as a safe investment. Now might be the time to cash in. If you have owned your home for 15 or more years, you might be shocked to realize the return your modest investment has yielded. Several homes that were purchased for $75,000 in the 1980s can sell in the $400,000s today.

Downsizing from a larger home to a smaller home or condo can be a remarkably freeing experience. Once you divest yourself of a large portion of your possessions and move to a smaller, more manageable home, you may be surprised at how much easier life is. Contact me today for a consultation. I will be happy to answer any questions you may have, and/or help you find your dream home.

Michelle Chenault
Your Local Clearwater Beach, Florida Real Estate Expert

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Michelle Chenault is your ultimate resource for Clearwater, Clearwater Beach, Belleair Bluffs, Island Estates and Tampa Bay real estate.  Visit our website for detailed information on all real estate including Clearwater Beach Condominiums  

Photo courtesy of jborger at Flickr.com.

Antique Appraisal Fair

by Michelle Chenault

Heritage Village, Largo, Florida

You’ve been continuously saying “It’s going to be worth a lot of money one day”.  Well, the time has come for you to find out.  This weekend you and your family have the unique opportunity to have your antiques and collectibles appraised at the Antique Appraisal Fair event, being held at Heritage Village. 

Organized by the Pinellas County Historical Society, the Appraisal Fair will feature noted Tampa Bay antique experts.  They will offer a broad spectrum of antique advice and information on Oriental rugs, Victorian jewelry, rare and vintage books, guns, Depression glass items, musical instruments, dolls, and much more.  Gem and stone experts will also be present, along with clock specialists.  The appraisers will educate you to exactly what you are in possession of, its history, and its approximate value.  Whether you are sitting on a gold mine, or you are simply holding on to a sentimental object, it is about time that you find out what it is worth.

The cost to have your items appraised is $5.00 per piece, or $12.00 for 3 pieces.  Proceeds will go to benefit Heritage Village, a 21-acre living history museum. 

The forever nagging question, “I wonder what it’s worth” can finally be answered this weekend at the Antique Appraisal Fair event.  Don’t miss out on your opportunity to discover the history and value of your antiques.

Saturday June 21st

9:00AM-3:00PM

For more information regarding the Antique Appraisal Fair event, please click here.

Michelle Chenault
Your Local Clearwater Beach, Florida Real Estate Expert

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Michelle Chenault is your ultimate resource for Clearwater, Clearwater Beach, Belleair Bluffs, Island Estates and Tampa Bay real estate.  Visit our website for detailed information on all real estate including Clearwater Beach Condominiums  

Photo courtesy of Kobraxxx/deviantart.com.

Understanding Closing Costs

by Michelle Chenault

There are obvious costs included in buying a home such as the price of the home, the required down payment and the interest rate of the mortgage, but there are hidden costs that are often overlooked by first-time, and even experienced, homebuyers.

One of these hidden costs is the closing costs associated with buying a home. Closing costs is a catchall category that covers a variety of small additional fees associated with closing a home such as running a credit report, processing fees, legal fees, inspections, appraisals, title searches and recording fees. While none of these fees are large in and of themselves; when added together, closing costs can often amount to two to five percent of the total purchase price of the home. Depending on the cost of the home, this can be a significant amount.

Reducing Your Overall Closing Costs

While closing costs are typically the buyer’s responsibility, there are ways to offset or split your closing costs.

In some cases, the seller will split a portion of the closing costs. While this was more common several years ago, it is still possible today. You should discuss the possibility of splitting the closing costs with your Realtor. Let her broach the subject with the seller and gauge their willingness to cover a portion of the closing costs in order to complete the sale.

Some lenders also offer “no closing costs” mortgages. While these seem great on the surface; it’s important to read the fine print carefully. Some lenders will roll the closing costs back into the structure of your loan – which could mean you pay much more than you would after factoring in the cost of interest. This is another example of when the services of a qualified Realtor that understands loans and the mortgage industry can prove invaluable.

It’s Best to Save and Plan Ahead

The days of the zero-down mortgage are largely over. Typically, if you want to purchase a home, you will need to save for a down payment. Rather than be shocked by the amount you are expected to pay at closing, avoid the need to scramble at the last minute by saving an additional five percent on top of the amount you will save for your down payment. So, if you will be saving $10,000 as a down payment on a $100,000 home, add an additional $5,000. If you are fortunate and do not need the entire amount to cover closing costs, you have a little extra money in the bank to cover the cost of moving and furnishing your new home, and that’s never a bad thing. Contact me today for a consultation. I will be happy to answer any questions you may have, and help you start the home buying process.

Michelle Chenault
Your Local Clearwater Beach, Florida Real Estate Expert

Clearwater Beach Featured Properties
Clearwater Beach Area Homes for Sale 
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Michelle Chenault is your ultimate resource for Clearwater, Clearwater Beach, Belleair Bluffs, Island Estates and Tampa Bay real estate.  Visit our website for detailed information on all real estate including Clearwater Beach Condominiums  

Photo courtesy of Damien Benoit at Flickr.com

Cookin’ with Gus

by Michelle Chenault

Early Bird Dinner Theatre, Clearwater, Florida

This weekend put aside the decision of “Should we go out to dinner, or should we take in a show?”  The Early Bid Dinner Theatre in Clearwater invites you to do both, for one low price.  If you are looking to indulge in a tantalizing meal while being thoroughly entertained by a hysterical cast of characters, you will absolutely not want to forego the Cookin’ with Gus event.

The Early Bird Dinner Theatre is a live professional venue offering side-splitting entertainment, accompanied by a buffet meal.  And this Saturday night Cookin’ with Gus is on the menu.  “A non-stop laugh riot from beginning to end”, the performance revolves around Gussie Richardson, a famous food columnist and cookbook author.  Gussie has been offered her own daily network television show, but with an overwhelming fear of being in front of the camera, she is not sure that she can accept the offer.  However, her friends are sure that she can overcome this obstacle by means of hypnosis, friendly threats, and even by casting gypsy spells upon her.  Thinking she has conquered her fear, Gussie takes to the stage.  The outcome of her decision leads to an all-out food fight amongst the entire cast of characters, in the middle of filming.

Ticket prices to attend the laugh out loud Cookin’ with Gus event are only $29.90 per person.  The Early Bird Dinner Theatre only accepts phone reservations for all of their events.  So, to reserve your seats at the table this Saturday evening, please call 727-446-5898.

This weekend get a table of friends and family together to enjoy both dinner, and a show.  The Early Bid Dinner Theatre has definitely cooked up something special with the Cookin’ with Gus event.  They guarantee to have you bubbling with laughter, for the duration of the show!

Saturday June 14th

7:00PM

For more information regarding the Cookin’ with Gus event, please click here.

Michelle Chenault
Your Local Clearwater Beach, Florida Real Estate Expert

Clearwater Beach Featured Properties
Clearwater Beach Area Homes for Sale 
Your Homes Value
Email Me 

Let's Connect!

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Michelle Chenault is your ultimate resource for Clearwater, Clearwater Beach, Belleair Bluffs, Island Estates and Tampa Bay real estate.  Visit our website for detailed information on all real estate including Clearwater Beach Condominiums  

Photo courtesy of Mike Licht/flickr.com.

Getting Ready for Your Final Walkthrough?

by Michelle Chenault

For many homebuyers, the last step prior to sitting down at the closing attorney’s office is the final walkthrough. This is the last chance for you to view a home before it officially becomes yours, and it’s a time to make sure that everything is as it should be.

Typically you want to schedule a final walkthrough as close as possible to closing – normally within 24 hours – but some experts advise scheduling two walkthroughs if major repairs are to be made to the home. The first, about a week prior to closing, to establish that required repairs are completed or near completion and the second, within 24 hours of closing, to ensure that all items to remain are present and in good working order.

Things to Do on Your Final Walkthrough

  • Do bring your home inspection report, copy of contract and seller’s disclosure form so you know what items were to be repaired, what items are to remain with the home and any other items that you need to pay special attention to on your walkthrough.
  • Do check that all items (window treatments, appliances, pieces of furniture and fixtures) that are to remain are still present in the home. If not, and you have it in writing that they should remain, have your agent contact the seller immediately.
  • Do check that there are no unwanted items left behind. It’s the sellers’ responsibility to remove their unwanted furnishings – not yours.
  • Do check all appliances to ensure they are in working order.
  • Do check the HVAC unit to make sure it is still heating and cooling properly.
  • Do check outlets with a handheld tester (found in any hardware store) to ensure they are all in working order.

What If You Find a Problem?

First, it is important to understand that contracts typically stipulate that a home be “broom” or “vacuum” clean – neat but not immaculate. So, making a fuss over the cleanliness of a home likely isn’t worth it unless it is very dirty.

Second, minor things like a blown light bulb or light damage to the walls or doorframe as a couch was moved, probably are not worth delaying closing. In the long run, it’s cheaper and easier to just fix these minor problems yourself.

But if you find a major problem such as a missing item, leak or hidden defect that will negatively affect the value of the home, contact your real estate agent immediately to begin the process of coming to an agreement on repairing the problem.  The sooner you make that call, the better.

In the end, it is up to you to decide what is important enough to delay closing and what is not. Contact me if you would like to go over this information. I will be happy to discuss any questions you may about the home buying process.

Michelle Chenault
Your Local Clearwater Beach, Florida Real Estate Expert

Clearwater Beach Featured Properties
Clearwater Beach Area Homes for Sale 
Your Homes Value
Email Me 

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Michelle Chenault is your ultimate resource for Clearwater, Clearwater Beach, Belleair Bluffs, Island Estates and Tampa Bay real estate.  Visit our website for detailed information on all real estate including Clearwater Beach Condominiums  

Photo courtesy of Jason Jones at Flickr.com.

Pinellas Pepper Fest

by Michelle Chenault

The England Brothers Bandshell Park, Pinellas Park, Florida

Are you and your family prepared to add a little spice to your upcoming weekend?  If so, you will absolutely not want to miss out on the opportunity to partake in the Pinellas Pepper Fest event.  Occurring this Saturday and Sunday at The England Brothers Bandshell Park, the happening will feature a hot and spicy food show, accompanied by live entertainment, vending tables, contests, competitions, and more.

For 8 years running, the Pinellas Pepper Fest has grown to be one of the most popular culinary events in the entire area.  If you like it hot, this Festival is absolutely not to be missed.  Over 2500 attendees are expected to come out this weekend to light up their taste buds.  A variety of hot and spicy foods will be available to both sample, and purchase.  Sauces, peppers, jellies, spices, plants, and salsas will be amongst the items being sampled, and sold.

Should you think you have what it takes, enter yourself in the pepper eating contest, or the spicy lolly lick-a-thon. Be sure to have a tall glass of water close at hand.  Both will be awarding prizes to the individuals who can handle the heat.  Or perhaps your idea of fun is more so in seeing the faces of others turning bright red.  In this case, prepare a hot sauce concoction or hot salsa, and enter the recipe competitions.  Again, the winners will be awarded a special Pinellas Pepper Fest award.

DJ XL will be spinning some hot and spicy tunes throughout the course of the weekend.  And live bands will join DJ XL in providing entertainment.  The Pinellas Pepper Fest is a family-friendly event that promises to provide something for everyone.

Admission prices to attend this hot happening is only $3.00 for adults, and free for children 12 years of age, or younger.  Tickets can be purchased at the door, the day of the event.

So this weekend bring the entire family out to The England Brothers Bandshell Park to partake in a truly hot and spicy event unlike any that you have ever attended before.  The Pinellas Pepper Fest guarantees to add a quite a bit of flavor, and zing to your weekend!

Saturday June 7th - 10:00 AM-5:00 PM

Sunday June 8th - 11:00 AM-4:00 PM

For more information regarding the Pinellas Pepper Fest, please click here.

Michelle Chenault
Your Local Clearwater Beach, Florida Real Estate Expert

Clearwater Beach Featured Properties
Clearwater Beach Area Homes for Sale 
Your Homes Value
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Michelle Chenault is your ultimate resource for Clearwater, Clearwater Beach, Belleair Bluffs, Island Estates and Tampa Bay real estate.  Visit our website for detailed information on all real estate including Clearwater Beach Condominiums  

Photo courtesy of Scott Bauer/it.wikipedia.org.

Fill Your New Home with Love First and New Furniture Second

by Michelle Chenault

Moving up to a new, larger home is exciting. Finally, you are out of the shoebox apartment or overfull two-bedroom. Each of the kids has their own room, and you could play basketball in the living room. It’s great; there’s just one problem: You have a lot of new space to fill and not much furniture to fill it.

Moving can be an expensive process, and going on a shopping spree right after you move in to decorate your new home might not be the best idea.

Here are a few tips for filling all that new space without depleting your bank account and stressing too much.

Get Used to Your New Home before Buying Anything

No one expects your new house to magazine perfect right after you move in. So, why rush anything? Take some time to get a feel for your new home and decide exactly how you want to decorate. What furniture will work best and where? What style of home décor do you like? It will come to you, and you won’t run the risk of splurging on something you don’t need just because you feel pressured to fill an empty space.

Set a Budget and Stick to It

Don’t go into debt or max out your credit cards trying to fill up your new house. You know what you can spend, so set a budget and stick to it. It’s okay if you only buy a few pieces at a time or need to save up for a month to buy that sofa. You’ll enjoy your new furniture that much more knowing you won’t have any trouble paying the mortgage or the bills that month.

Concentrate on High Traffic Areas First

What rooms in your house get the most use? Those are the rooms you should tackle first. So, rather than concentrate on the formal dining room, take care of the living room, kitchen and bedrooms first. Just approach the process of filling your home one room at a time, but keep the momentum going. It’s a process.

Don’t Overdo It

Buying new furniture for your home is exciting, and it’s easy to get carried away. Try to avoid letting the rush overtake you. Make sure that you don’t make your new, larger home fill just a crowded as your old home by doing too much. Remember, you bought a new home because you wanted more space.

Take Your Time

Buying a piece here and there over the next few months or even years is fine. There’s no rush. If it takes you a while to find that perfect chair or dining room set, that’s perfectly alright. It’s better than being stuck with a piece that doesn’t quite fit. Set aside some money in a dedicated decorating account for all those little pieces that you may stumble upon one day when you’re out shopping. Then, if something grabs your eye, you can buy it guilt free.

Decorating your new home is supposed to be fun, and planning, setting a budget, tackling your house one room at a time and going at your own pace while decorating will ensure that you enjoy the process to the fullest. Contact me today if there is anything I can do to make your next home buying or home selling experience the best it can be!

Michelle Chenault
Your Local Clearwater Beach, Florida Real Estate Expert

Clearwater Beach Featured Properties
Clearwater Beach Area Homes for Sale 
Your Homes Value
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Michelle Chenault is your ultimate resource for Clearwater, Clearwater Beach, Belleair Bluffs, Island Estates and Tampa Bay real estate.  Visit our website for detailed information on all real estate including Clearwater Beach Condominiums  

Photo courtesy Tim Samoff at Flickr.com.

Comedian G. David Howard Comes to Dunedin

by Michelle Chenault

Blur Nightclub, Dunedin, Florida

If this weekend you are looking to indulge in an uproariously good time, you will absolutely not want to miss out on the opportunity to attend the Comedian G. David Howard event.  Blur Nightclub in Dunedin could not be happier to be hosting this laugh out loud event.  Hailed as the “funniest man alive”, G. David Howard has been entertaining audiences across the country for over forty years.

Comedian G. David Howard is most well-known for his 16 unremitting hours of cracking jokes, earning himself a place in the Guinness Book of World Records.  Without a break of any kind, Howard told joke after joke, never repeating the same one twice.  Often referred to as “just plain funny”, the comedian offers an outrageously and spontaneously hysterical performance, every time he steps on to the stage.  His personality has lit up venues from Las Vegas to Atlantic City.  Comedian G. David Howard is truly the real deal when it comes to entertainment, as he has been blessed with the gift of “funny”. 

The one-and-only Cross Eyed Larry will be opening for comedian G. David Howard.  A very popular local band, Cross Eyed Larry offers a classic and alternative rock journey through orchestrations from the Beatles, to Rush renditions. 

Ticket prices to attend the Comedian G. David Howard event are only $20.00 per person.  To purchase your tickets online, please click here.

This Sunday treat yourself to an evening of unforgettable laughter at the Comedian G. David Howard event.  This side-splitting happening promises to have you in stitches from beginning to end!

Sunday June 1st - 6:30PM

For more information regarding the Comedian G. David Howard event, please click here.

Michelle Chenault
Your Local Clearwater Beach, Florida Real Estate Expert

Clearwater Beach Featured Properties
Clearwater Beach Area Homes for Sale 
Your Homes Value
Email Me 

Let's Connect!

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Michelle Chenault is your ultimate resource for Clearwater, Clearwater Beach, Belleair Bluffs, Island Estates and Tampa Bay real estate.  Visit our website for detailed information on all real estate including Clearwater Beach Condominiums  

Photo courtesy of johnny_automatic/openclipart.org.

Preparing for a Home Inspection

by Michelle Chenault

Part of the normal process of selling a home is the home inspection. It is an opportunity for the buyer to verify that everything as it seems with the home and there will be no unwelcome surprises.

For good reason, a home inspection is the source of some anxiety for many sellers. What if they find something wrong? What if the buyers back out?

Some anxiety is completely normal. After all, no matter how well you know your house, there’s always the chance that there could be a hidden flaw or something you have overlooked over the years.

There’s always the possibility of a surprise, but there are steps you can take to make the home inspector’s job easier and that can encourage the home inspector to be a bit more generous in his assessment of your home.

Declutter Your Home

Inspectors don’t like to move or climb over things. Make sure that your attic, garage and basement are easy to access. In addition, clean out under the sinks so that the inspector can easily inspect the pipes. Make your home flashlight easy.

Gather Any Necessary Paperwork

Home inspectors are less likely to examine your home with a fine-toothed comb if you can prove that regular maintenance has been performed. Gather all documents related to the maintenance of your home and place them in a binder. Leave this binder out on the table for the home inspector.

Unlock All Doors and Gates

The last you think you want a home inspector to think is that you have something to hide. Make sure that you unlock all doors and gates – including those to out buildings such as sheds and pool houses.

Clean Your Home

A dirty home does not mean that there are structural problems, but a clean home implies that the owner takes pride in ownership and performs regular maintenance on the home. So, give your home a once over before the home inspector is scheduled to arrive.

Go Out to Lunch

Home inspectors prefer to be alone while they are doing their jobs. Don’t hover. Go out to lunch for a few hours and allow the inspector to work unsupervised.

Remember, home inspectors are like anyone else; they have a job to do. Don’t make it any harder than it has to be. Make their job easy and quick, and they are that much more likely to give you a favorable report. Contact me today for a consultation. I will be happy to answer any questions you may have, and/or help you determine the value of your home.

Michelle Chenault
Your Local Clearwater Beach, Florida Real Estate Expert

Clearwater Beach Featured Properties
Clearwater Beach Area Homes for Sale 
Your Homes Value
Email Me 

Let's Connect!

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Michelle Chenault is your ultimate resource for Clearwater, Clearwater Beach, Belleair Bluffs, Island Estates and Tampa Bay real estate.  Visit our website for detailed information on all real estate including Clearwater Beach Condominiums  

Photo courtesy of Chris Hemingway at Flickr.com.

Paddle against Cancer

by Michelle Chenault

The Club at Treasure Island, Treasure Island, Florida

This Memorial Day weekend head to the beach, jump on a board, and partake in the Treasure Island Paddle against Cancer event.  Fun for the whole family, The Club at Treasure Island invites you to come out and take to the water, benefiting the Moffitt Cancer Center.  For four years running, the Paddle happening has increasingly grown in participation, being recognized as one of the most heavily attended Memorial Day weekend events in the area.

A fundraising event created by cancer survivor Gene Evans, the Paddle against Cancer event offers both a 3-mile and 7-mile paddle.  Whether you are an avid paddle boarder, or merely a beginner, people of all ages and skill levels are welcome to participate.  Make it a friendly competition amongst other attendees, or simply view it as an opportunity to hone in on your paddle boarding skills.  All riders are required to wear a Coast Guard-approved flotation device.

In addition to paddle boarding, you are invited to come out and indulge in the poolside celebration that will be taking place during, and following the event.  There will be on-going live entertainment, paddle board demonstrations, paddle board giveaways, and more.  Cancer survivors are invited to share their stories with people that have walked in their very shoes.

The Paddle against Cancer event is free for the entire family to attend.  Monies raised will come from donations, raffles, food purchases, and paddle board rentals.  So this Saturday be sure to bring the entire family out to The Club at Treasure Island to partake in a day of paddle boarding, live entertainment, food, giveaways, and more.  The Paddle against Cancer event promises to provide a day chalked full of fun for both water, and land enthusiasts alike!

Saturday May 24th

9:00AM

For more information regarding the Paddle against Cancer event, please click here.

Michelle Chenault
Your Local Clearwater Beach, Florida Real Estate Expert

Clearwater Beach Featured Properties
Clearwater Beach Area Homes for Sale 
Your Homes Value
Email Me 

Let's Connect!

Facebook

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Michelle Chenault is your ultimate resource for Clearwater, Clearwater Beach, Belleair Bluffs, Island Estates and Tampa Bay real estate.  Visit our website for detailed information on all real estate including Clearwater Beach Condominiums  

Photo courtesy of Thom Brooks/flickr.com.

Displaying blog entries 11-20 of 355

Contact Information

Photo of Michelle Chenault Real Estate
Michelle Chenault
Coldwell Banker Clearwater Beach
468 Mandalay Ave
Clearwater Beach FL 33767
Office Phone: 727-443-3320
Direct Phone: 727-481-5700

Michelle Chenault  is your ultimate resource for Clearwater, Clearwater Beach, Belleair Bluffs, Island Estates and Tampa Bay real estate. Michelle Chenault helps people with all of their Clearwater, Clearwater Beach, Bell and Tampa Bay real estate needs. Michelle Chenault helps people who are: relocating to Clearwater, relocating to Clearwater Beach or relocating to Tampa Bay . She can help you if you are: buying a home in Clearwater, buying a home in Clearwater Beach or buying a home in Tampa Bay, selling a home in Clearwater, selling a home in Clearwater Beach or selling a home in Tampa Bay, buying a waterfront condo in Clearwater Beach and Tampa Bay or selling a waterfront condo in Clearwater Beach and Tampa Bay. Michelle Chenault is an expert in Clearwater, Clearwater Beach and Tampa Bay foreclosures and Clearwater, Clearwater Beach and Tampa Bay short sales. The MichelleChenault.com website is dedicated to helping you search all Clearwater, Clearwater Beach and Tampa Bay homes for sale and any other types of properties available for sale like Clearwater, Clearwater Beach and Tampa Bay condos, land and luxury real estate in the Clearwater, Clearwater Beach and Tampa Bay area MLS. You may also use this site to find out everything you need to know about living in Clearwater, Clearwater Beach and Tampa Bay, relocating to Clearwater, Clearwater Beach and Tampa Bay, a Clearwater, Clearwater Beach and Tampa Bay real estate search and finding things to do in Clearwater, Clearwater Beach and Tampa Bay.

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