Another Happy Friday On Sanibel

2017-10-14 Bird Life in Tarpon BayIt’s SanibelSusan reporting another happy Friday on the islands. This week, we started to see a little change in the weather. Temperatures were down into the 70’s a couple of nights which resulted in some days in the 80’s – feeling like fall is coming. Forecasts for Wed and Thurs next week say highs will be mid-70’s, so Florida’s season is changing.

The roadways continue to get busier as more snowbirds arrive early. The event calendar is filling up too, so if you are here, be sure and check the update on that below. Lots of fun things are happening over the next few weeks as the islands gear up for the holidays and a winter of fun!

Sanibel & Captiva Islands Association of Realtors

Sanibel realtors logoThere was no Caravan meeting yesterday, but next Thursday is the Sanibel & Captiva Islands Association of Realtors® Annual Meeting, which includes election and breakfast meeting followed by caravan. Don’t call at 8 a.m., as I will be counting votes! Good luck to the three Realtors® running for two Board of Director positions: Ted Benjamin, Bruce Cochrane, and Amy Wainwright.

At SanibelSusan Realty Associates

Sanibelsusan LogoThe action posted in the Sanibel & Captiva Islands Multiple Listing Service since last Friday is posted after a few news items below. Two of our listings went under contract and though teammates Dave and Lisa are away for a long weekend, he just got a sale done too. It is not posted in MLS yet, so it will be on next week’s report.

Upcoming Events & Reopenings

Island Pizza has reopened – after remodeling.

ding darling 2017Through Sat, Oct 21 – “Ding” Darling Days – began Sunday and continues through tomorrow with birding, biking, paddling, boating tours, and special daily programs. Saturday is “Free Conservation Art Day”, with free Wildlife Drive admission that day. Full calendar of events at

Through Sat, Oct 21 – 11th Annual Art From the Attic Sale – at Tower Gallery from 10 a.m. to 4 p.m. in tents on their parking lot, plus on their decks and screened porch. Inside gallery open until 9 p.m.

BaileysSun, Oct 22 – 32nd Annual Bailey Fest – In the Bailey’s plaza from noon to 4 p.m. with entertainment, food, & children’s activities.

Fri, Oct 27 – Howl-O-Ween – Island Paws 13th Annual Fundraiser, this year to benefit the Gulf Coast Humane Society. At Over Easy Café from 5 to 7 p.m. with dogs in costume, food, and drink.

Sat, Oct 28 – 9th Annual 10K Race 4 F.I.S.H. – race starts at the Sanibel Community House at 7:30 a.m. (continues east to the Casa Ybel Rd to Middle Gulf Dr to Tarpon Bay Rd, where it turns around and returns to the Community House by the same route.

Jazz + Blues logoSun, Nov 5 – 2nd Sanibel Jazz & Blues Festival – at Bailey’s backyard noon to 7 p.m. sponsored by Sanibel-Captiva Optimist Club, Bailey’s General Store, and George & Wendy’s Seafood Grille with proceeds to benefit scholarships, children’s programs, and local charities. More info at

Sun, Nov 12 – 36th Annual Taste of the Islands – at Sanibel Community Park (across the street from SanibelSusan Realty) from noon to 5 p.m.

Condos & Hurricane Damage: Who Pays? What’s The Process?

Florida Realtors logoThough the island suffered very little damage from Hurricane Irma, with many condominium associations holding their meetings in the upcoming months, I thought the below article worth sharing. It was posted on-line Oct 16, at Florida Realtors, authored by John C. Goede.

Question: Our condominium suffered wind damage from Irma and the biggest problem is the windows. Our documents require the owners to repair and replace windows but the owners are claiming it is the association’s responsibility. Who is right? –B.A., Stuart

Answer: Under the current statutes, the first question in this analysis is whether the damage was caused by an insurable event. If the damage is from a hurricane, this is going to be an insurable event. Therefore, window replacement responsibility is not necessarily governed by the documents, but rather by the statutes. Specifically, section 718.111(11) of the Florida Statutes provides that the condominium association is responsible to repair and replace property insured by the condominium association. It is important to note that insurance responsibility may be the same, or it may be different, from the responsibility set forth in your governing documents.

“Thus, I would contact your insurance carrier and determine whether your condominium policy covers the windows. If so, the condominium association will be liable to repair and replace the windows damaged by Irma and the cost would be a common expense.

“Notwithstanding the above, there are a few exceptions. First, the statute provides that the condominium is responsible to insure “all portions of the condominium property as originally installed or replaced of like kind and quality, in accordance with the original plans and specifications.” So, if an owner previously replaced the original windows with something other than “like kind and quality” then the condominium may not insure those improved windows.

“Second, the statutes also allow a condominium to “opt out” of the above analysis. If the association has opted out, the analysis would be governed by your governing documents and not the statute.

“Third, the condominium association is not responsible to repair or replace when the damage is caused by intentional conduct, negligence, or the failure to comply with the rules. For example, if the rules require the owner to deploy hurricane shutters and the owner failed to do so, the condominium association may not be responsible for those particular windows under the above analysis.

“My recommendation is you contact your insurance carrier as well as a licensed Florida attorney to make sure that the condominium association is acting under its documents and the applicable statutes.”

Sanibel & Captiva Multiple Listing Service Activity October 13-20, 2017



3 new listings: Spanish Cay #E3 2/2 $369K, Mariner Pointe #811 2/2 $435K, Sundial West #F201 2/2 $895K.

1 price change: Coquina Beach #1D 2/2 now $544.9K.

4 new sales: Mariner Pointe #811 2/2 listed at $435K, Ibis at The Sanctuary #B302 2/2 listed at $468.5K, Sunset South #6D 2/2 listed at $499.9K (our listing), Sandpiper Beach #501 2/2 listed at $695K.

Ext Front

Sunset South #6D – top floor left


1 closed sale: Sanctuary Golf Village I #2-5 2/2.5 $665K.


6 new listings: 970 Sand Castle Rd 3/2 $599K, 1270 Bay Dr 3/2 $1.349M, 1313 Eagle Run Dr 3/3 $1.35M, 2477 Wulfert Rd 3/4 $1.475M, 5743 Baltusrol Ct 3/3/2 $1.495M, 2029 Periwinkle Way 4/2/3 $1,999,901.

4 price changes: 1846 Ardsley Way 2/2 now $628K, 1470 Angel Dr 3/2 now $999K, 1525 San Carlos Bay Dr 3/2 now $1.749M, 5606 Baltusrol Ct 4/6 now $2.495M.

4 new sales: 4606 Brainard Bayou Rd 2/2 listed at $465K, 9448 Begonia Ct 3/2.5 listed at $699K (our listing), 3547 West Gulf Dr 4/4 listed at $1.25M,519 Kinzie Island Ct 3/2.5 listed at $1.295M.


9448 Begonia Ct in Gumbo Limbo


2 closed sales: 1294 Par View Dr 3/2.5 $900K, 1687 Hibiscus Dr 3/3 $1.04M.


2 new listings: 5723 Baltusrol Ct $349K, 1036 Bayview Dr $3.695M.

No price changes or new sales.

1 closed sale: 1026 Fish Crow Rd $385K.



1 new listing: Beach Homes #22 2/2 $2.35M.

No price changes or new sales.

1 closed sale: Beach Villas #2623 1/1 $528K.


Nothing to report.

This representation is based in part on data supplied by the Sanibel & Captiva Islands Association of Realtors® Multiple Listing Service. Neither the association nor its MLS guarantees or is in any way responsible for its accuracy.  Data maintained by the association or its MLS may not reflect all real estate activity in the market.  The information provided represents the general real estate activity in the community and does not imply that SanibelSusan Realty Associates is participating or participated in these transactions.

Happy Friday, Susan Andrews, aka SanibelSusanTGIF