Almost Time to Get Your Island Green On

2018-03-15 WW12018-03-15 WW22018-03-15 WW3

It’s SanibelSusan reporting another week of glorious Florida winter. Several mornings had temperatures down into the 50’s, followed by afternoons in the mid-70’s. Other than the occasional stiff breezes that have brought in some red tide, it has been very nice – bright and beautiful. (The pictures above were taken noon-ish yesterday on the beach in front of West Wind Inn.) Again this week, visitors and vacationers are having fun, as the bike paths continue to be busy, especially with families.

Colleagues in the accommodation business say that the upcoming rental week (Mar 17-24) is the first in several where they have vacancies, but that probably won’t slow things down on the island as Lee County Schools are off next week. Today and tomorrow, the Lions Club Arts & Crafts Fair at The Community House, across the street from our office, will keep Periwinkle busy.

Here at SanibelSusan Realty, we’ve had both sales and good showing activity this week. The activity since last Friday, as posted in the islands Multiple Listing Service follows a couple of new items.

Lower Your Wind Insurance Premium

Rosier Insurance logo Version BNice write-up in today’s “Island Sun” by island Association of Realtors® Affiliate, Angela Larson Roehl with Rosier Insurance:

“Consider having a wind mitigation inspection done. What is a wind mitigation inspection? The wind mitigation inspection breaks down the following information for carriers to apply applicable credits:

  • Building code compliance
  • Type of roof covering
  • Roof deck attachment
  • Roof to wall attachment
  • Roof geometry
  • Secondary water resistance
  • Opening protection.

“The wind mitigation inspection has evolved over the past 10 years or so, from being a simple two-page inspection with no photos, to now being four pages that must also include color photos to substantiate the information listed on the report. Wind mitigation inspections are valid for five years.

‘So what wind mitigation credits could potentially save you money on your wind premium? If your home has any of the following:

  • Florida Building Code credit relaying the roof was completed after March 1, 2002.
  • Roof deck attachment – B or C
  • Roof to wall attachment showing either clips, single wraps, or double wraps
  • Roof style – Hip
  • Secondary water resistance
  • Class A opening protection showing all exterior openings protected for cystic pressure of a nine-pound large missile (4.5 pounds for skylights)

“Credits for each of the above mitigation features can vary depending on the carrier. It’s best to consult your insurance agent to confirm the mitigation credits your policy already is providing and to see if having a new wind mitigation inspection could assist in lowering your wind insurance premium.” You can reach Angie at

In 2006, Florida became the first state in the nation to mandate that insurance companies offer some reduction insurance costs if a wind mitigation inspection is sought and certified upon review by a qualified inspector (usually a board-certified contractor, architect or engineer). Some Florida home inspectors are certified to prepare Wind Mitigation Reports too. Ron Dehler with Horizon Inspection Service, Inc. is one, We often recommend that buyers save time and money by having a wind mitigation inspection done at the same time as their standard home inspection.

Upcoming Events

happysaintpatricksdayclwi4St Patrick’s Day Fun – tomorrow, Mar 17 – several local establishments have special events & meals planned:

  • American Legion Post 123 on San-Cap Rd – St. Patrick’s Day Celebration with corned beef & cabbage from noon to 8 p.m.
  • George & Wendy’s Sanibel Seafood Grille, 2499 Periwinkle Way, “Eat, Drink, & Be Irish”, serving corned beef & cabbage, green beer, band & more, 5 to 11:30 p.m.
  • Fish Madness at The Sanibel Grill, 703 Tarpon Bay Rd – open for lunch today through Sun, Mar 18 for March Madness, corned beef special on St. Paddy’s Day
  • Matzaluna, 1200 Periwinkle Way, featuring corned beef & cabbage pizza on St. Patrick’s Day
  • Traditions on the Beach at 3111 West Gulf Dr – St Patrick’s Day Irish menu, party favors, live music & dancing, reservations recommended, 239-472-4559

FREE Spring Concert – Tues, Mar 20 at 7:15 p.m. – Combined voices of the Shell Point Singers & the BIG ARTS Community Chorus at Shell Point’s Village Church, 7:15 p.m., tickets not required, info at 239-454-2290. (It’s also not too early to get your tickets for the BIG ARTS Chorus spring concerts Apr 4 & 5. See below.)

2018 chorus poster

What’s a Seller’s Continuing Maintenance Requirement?

Florida Realtors logoGood article posted on-line today, by Attorney Meredith Caruso who is Manager of Member Legal Communications for Florida Realtors®. She works with the state Forms Content Committee where I serve.

“Often sellers choose a contract based on the repair requirements involved. Do they use a contract that requires no repairs, like the Florida Realtors/Florida Bar “As Is” Residential Contract for Sale and Purchase (As Is FR/Bar)? Or do they prefer a repair obligation up to a specified limit, which they can do if they choose the Florida Realtors/Florida Bar Residential Contract for Sale and Purchase (FR/Bar) or Florida Realtors Contract for Residential Sale and Purchase (CRSP)?

“Either way, it’s important for both Realtors and the transaction parties to understand potential additional repair obligations contained within the contracts.

“If using the “As Is” FR/Bar contract, the seller has no obligation to make repairs based on the buyer’s inspection results. But what happens if, after the inspection period on this contract, the seller’s air conditioning unit (which was noted as “older” in the inspection report) simply stops working? With no repair obligation, can the seller simply say “too bad” to the buyer and expect the buyer to proceed to closing?

“In short, no. And here’s why: Based on the language in paragraph 11, the Property Maintenance section, excluding normal wear and tear and Casualty Loss, the seller is obligated to maintain the property including, but not limited to, the lawn, shrubbery and pool, in the condition existing as of the Effective Date of the contract.

“This means that the seller may not have repair obligations under the inspection section of the As Is FR/Bar contract, but the seller does have to keep the property in relatively the same condition it was when the parties went under contract.

“Some other examples could include a neighborhood kid accidentally hitting a ball through a window or the pool pump no longer functioning. Assuming there was no hole in the window and the pool pump functioned fine when the parties went under contract, the seller must fix those items.

“It’s important to note that this potential repair obligation also extends to contracts where the seller is obligated to make repairs pursuant to a buyer’s inspection. If using either the FR/Bar or the CRSP contract, the seller has to make any repairs up to the repair limit(s) as laid out in the contract. However, if the refrigerator stops working right before closing, the seller is also obligated to fix that as well. This is an additional repair beyond the inspection repair obligation already contained in the contract.

“Why? Because a refrigerator that isn’t working right before closing – when it was working at the time the parties went under contract – needs to be repaired based on the property maintenance language in the contracts. For the FR/Bar this is also paragraph 11; for the CRSP, this language is in paragraph 8.

While these particular sections of the contracts may not come into play very often, it’s important to know of the potential obligation just in case “things happen,” as they tend to do.”

Sanibel & Captiva Islands Multiple Listing Service Activity March 9-16, 2018



6 new listings: Seashells #42 2/2 $379.9K, Sundial West #I404 1/1 $484K, Seawind #109 2/2.5 $530K, Loggerhead Cay #314 2/2 $569K, Pointe Santo #B21 2/2 $749K, Nutmeg Village #103 2/2 $810K.

7 price changes: Captains Walk #B2 1/1 now $239K (our listing), Sunset South #7C 2/2 now $569.5K, Kimball Lodge #303 1/2 now $595K, Compass Point #232 2/2 now $659K, Sundial East #Q404 2/2 now $949K, Tanglewood #1A 3/2 now $1.045M, Tamarind #B302 2/2 now $1.789M.

5 new sales: Tennisplace #E32 2/1 listed at $299K (our sale), Sandpebble #4D 2/2 listed at $439K, Sanibel Arms West #H2 2/2 listed at $499K, Sand Pointe #122 2/2 listed at $649K (our listing), Poinciana #3C 3/2 listed at $1.725M.

1 closed sale: Sundial #J207 2/2 $670K.


5 new listings: 396 Lake Murex Blvd 3/2 $774.9K, 1120 Shell Basket Ln 4/2 $895K, 784 Limpet Dr 4/3 $1.95M, 1008 Bayview Dr 4/4.5 $3.595M, 4431 Waters Edge Ln 3/4 $6.495M.

16 price changes: 1438 Sandpiper Cir 3/2.4 half-duplex now $379.9K, 6143 Henderson Rd 4/3 now $424K, 5299 Umbrella Pool Rd 3/2.5 now $499K, 752/754 Cardium St 4/2 duplex now $579K, 744 Martha’s Lin 2/2 now $598K, 1323 Par View Dr 3/2 now $639K, 601 Sea Oats Dr 3/2 now $659.9K, 5430 Osprey Ct 3/3 now $699K, 5739 Pine Tree Dr now $819K, 9027 Mockingbird Dr 4/3 now $859K, 1350 Middle Gulf Dr 3/3 half-duplex now $889K, 1656 Middle Gulf Dr 3/4 now $949.9K, 6412 Pine Ave 4/2.5 now $1.195M, 267 Ferry Landing Dr 3/2 now $1.689M, 3009 Turtle Gait Ln 4/4.5 now $2.995M, 536 Lighthouse Way 4/4.5 now $2.995M.

7 new sales: 1029 Dixie Beach Blvd 2/2 listed at $419K, 707 Cardium St 3/2 listed at $879K, 1265 Par View Dr 3/2.5 listed at $899K, 940 Spoonbill Ct 3/2.5 listed at $1.095M, 2629 Coconut Dr 2/3 listed at $1.198M, 2263 Starfish Ln 5/4.5 listed at $1.699M, 514 Kinzie Island Ct 4/5 listed at $1.895M.

4 closed sales: 1513 Sand Castle Rd 3/2.5 $677K, 1245 Anhinga Ln 3/2 $799K, 5657 Sanibel-Captiva Rd 3/2 $865K, 1152 Buttonwood Ln 3/3.5 $1.235M.


1 new listing: 6095 Dinkins Bayou Rd $289,555.

No price changes, new, or closed sales.



5 new listings: Tennis Villas #3129 1/1 $325K, Tennis Villas #3136 1/1 $340K, Tennis Villas #3230 2/2 $469K, Beach Villas #2426 1/1 $545K, Marina Villas #901 2/2 $785K.

No price changes.

1 new sale: Beach Homes #22 2/2 listed at $2.095M.

1 closed sale: Bayside Villas #5202 1/2 $360K.


4 new listings: 55 Sandpiper Ct 3/2 $1.049M, 9 Sunset Captiva Ln 3/2 $1.229M, 11525 Chapin Ln 4/4 $1.64M, 16179 Captiva Dr 6/6 multi-family $5.5M.

4 price changes: 16813 Captiva Dr 3/3 now $2.45M, 16814 Captiva Dr 2/2.5 now $5.45M, 16596 Captiva Dr 5/5/2 now $7.9M, 17030 Captiva Dr 6/7.5 now $9.25M.

1 new sale: 11535 Chapin Ln 4/3 listed at $1.359M.

2 closed sales: 11531 Paige Ct 4/3.5 $3.25M, 1121 Schefflera Ct 4/4.5 $5.25M.


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.

Our colorful St. Patrick’s Day ad got us the back page of the “Island Sun” this week. Here’s it is. Don’t forget to wear your green tomorrow!

Until next Friday, Susan Andrews, aka SanibelSusanIsland Sun 3-16-18

Sanibel’s Mini-Chill Is Like Heaven!

View cMaster Bedroom ViewSanibel and Captiva had another touch of island-style winter yesterday with temperatures barely out of the 60’s, but with bright blue skies and a fairly stiff breeze. It has been more of the same is today, then expected to be back to the high 70’s tomorrow, until the next mini-chill arrives. This time of the year, temperature changes often are the residual effects from pre-spring storms in the northeast.

Yesterday at the islands’ Association of Realtors® morning caravan meeting, more sales were announced followed by comments like “the market was late in getting rolling this winter”. Often the most island sales activity is from mid-January to Easter, but for some reason, this year that action picked up late. With Easter early this year, March could quickly make up for lost time. The recent snowstorms probably will help.

With just three weeks of high season left, plenty of price reductions were announced at yesterday’s meeting too. The above photos are the views from our listing at Mariner Pointe #1061 (price just reduced to $549,900). (More info and streaming video under the “Search SanibelSusan Listings” tab above.)

Rumor has it that the first car transport recently was spotted, that’s usually a sign that the first group of snowbirds are about to take flight.

The action posted since last Friday in the Sanibel & Captiva Islands Multiple Listing Service follows a couple of news items below. The first was posted on line today at FloridaRealtors®. Their source is Copyright © 2018 The Kiplinger Washington Editors, Pat Mertz Esswein. Though lengthy, it’s worth the read.

What Will Happen With Home Prices This Year?

Kiplinger personal finance logo“New Jersey is the poster child for the high-cost, high-tax states where housing markets – and homeowners – are supposed to suffer under the new tax law. Patrice and Kalvin Sosoo, of Teaneck, N.J., have a toddler, Kingsley, and a baby on the way, so they’re in the market for a larger place. But the Sosoos aren’t deterred by the new rules, even though housing costs for their next home are likely to be higher.

Under the new law, homeowners with existing mortgages taken out before Dec. 15, 2017, can continue to deduct interest on up to $1 million of mortgage debt. After that date, the limit for all “acquisition debt” – money used to buy, build or substantially improve a home – falls to $750,000. The deductibility of interest on home-equity loans or lines of credit, old or new, that are used for other purposes – such as paying for a vacation, a car or a college education–disappears. Plus, the deduction for state and local taxes, including property taxes, will be capped at $10,000.

“While living in their first home, the Sosoos itemized deductions on their federal tax return, including $11,000 in annual property taxes. The Sosoos have set a price limit of $700,000 on their next home, so they will still be able to deduct all of their mortgage interest. But they’ll take a major hit on the deductibility of their state and local taxes; they estimate that property taxes alone will run them about $15,000 annually.

“Taxes here are crazy, and the $10,000 limit kind of hurts,” says Patrice. But when they file their taxes for 2018, a tax-rate cut and the higher standard deduction could offset at least some of the loss in state and local tax deductions.

Limited damage

“The new law raises the standard deduction to $12,000 for single filers, $18,000 for head-of-household filers and $24,000 for married couples who file jointly. That may make the limits on deduction of mortgage interest and state and local taxes a moot point for many homeowners, who will benefit by switching from itemizing to taking the standard deduction.

attom data solutions logo“And despite the agitation that followed passage of the tax law, the changes will affect relatively few homeowners. In 2017, about 100,000 home buyers, or just 3.9% of all buyers nationally, took out a mortgage that exceeded $750,000, and they’re mainly concentrated in the Bay Area of California and the New York metro area, according to ATTOM Data Solutions, which analyzes property data.

“ATTOM also found that 4.1 million homeowners, or 4.4% of all homeowners, paid more than $10,000 in property taxes, and they’re concentrated in high-tax counties in the Bay Area, Connecticut, Illinois, New Jersey, New York and Texas.

“But high-earners in places with lower property taxes could also hit the limit. Many high-income homeowners who are subject to the alternative minimum tax were already limited to deducting interest only on mortgage or home-equity debt used to buy, build or improve their homes, and they were prohibited from deducting state and local taxes.

What do the changes to the tax law mean for home prices?

moody's logo“Moody’s Analytics expects the housing market to continue recovering in 2018, the seventh year since the market hit bottom. But Moody’s predicts that by 2019, home prices nationally will be 3.7% lower, on average, than they would have been otherwise.

“The value of tax benefits was baked into home prices in high-cost, high-tax areas, so home prices will rise more slowly as prospective buyers try to contain the after-tax cost of homeownership. Some renters may rent longer or choose not to buy at all. Some buyers will look for less-expensive homes. Sellers of higher-end trade-up homes will feel more pressure to lower their prices.

“There buyers not only will hit the mortgage-interest and tax caps but also will be more likely to take the standard deduction and discontinue itemizing, especially if they have no other sizable deductions besides housing costs, says Andres Carbacho-Burgos, a housing economist at Moody’s Analytics.

“High-cost counties that will see home-price appreciation slow are concentrated on the West Coast, in the largest metro areas of Texas, in Chicago, and in the states from Massachusetts to Virginia. New Jersey is the worst case because it has the highest average property tax rate of the 50 states and the largest share of high-tier markets. Moody’s figures that by mid-2019, New Jersey’s home prices will fall by 2% from the year before.

“The trend of people moving from high-cost to lower-cost states will accelerate, says Lawrence Yun, chief economist at the National Association of Realtors. Home prices will continue to rise in states such as Arizona, the Carolinas, Colorado, Florida, Nevada, Texas and Utah as more people move in than out. But prices in Connecticut, Illinois, New Jersey and New York will decline as more people leave.

Home prices around the U.S.

clear capital logo“Prices increased nationally by 5.4% in 2017, compared with 5.8% in 2016, according to Clear Capital, a provider of real estate data and analysis. Jobs fueled demand from millennials and Generation Xers, who competed for a dearth of starter and trade-up homes and drove up prices.

“Home values rose in 269 of the 299 cities tracked by Clear Capital, going up by double digits in about one-seventh of them. With the exception of San Jose, Calif., epicenter of the tech boom, the places with the biggest gains were mostly smaller cities on the West Coast, in the Mountain states or in Florida that are attracting buyers priced out of larger cities nearby or have thriving economies. The cities where prices lost ground have moribund economies. They’re mostly located in Upstate New York, the Rust Belt and the South.

“CoreLogic, a financial data and analytics company, forecasts that prices will rise by about 4% in 2018, reverting to their historical pace. Frank Nothaft, chief economist at CoreLogic, says that in late 2017, CoreLogic analyzed home prices in the largest 100 metro areas and found that about one-third of them were overvalued by 10% or more, based on the long-term relationship between income and home prices.

“Are they in bubble trouble? “No,” says Nothaft. “It’s more an amber warning light indicating erosion of affordability.”

“Nothaft says historically low mortgage rates have helped to mask declining affordability, and when rates edge up in 2018, affordability will erode, adding to the potential for a slowdown in sales and price appreciation.

An unbalanced market

us census logo“The U.S. homeownership rate reached 64.2% in 2017, and it’s on a sustainable upward track, according to the U.S. Census. (The homeownership rate peaked at 69.2% in 2004.) Throughout 2017, the number of new homeowners exceeded the number of new renters, and first-time home buyers accounted for nearly one-third of all home sales. Millennials are making their first foray into ownership, and Gen Xers are transitioning from renting back to owning, says Yun. But until the inventory of new and existing homes increases, many would-be first-time buyers will be forced to continue renting.

“Existing homeowners are staying put longer than ever, and the share of repeat home buyers fell slightly between 2016 and 2017. Many homeowners would like to sell, but they fear they won’t be able to find another home they want. Others don’t want to give up their cheap mortgages.

“New homes are the key to unlocking the inventory stalemate, and with more new homes coming to market, the acuteness of the overall housing shortage is past, says Yun. “This year won’t be as bad for buyers as 2017, but it won’t be back to normal, either,” he says.

“As the housing market approaches the spring sales season, one thing is sure: Most people buy or sell homes for reasons other than tax benefits. “They’re getting married, having kids, or they’ve changed their jobs, or they’re retiring,” says Ralph McLaughlin, chief economist at Trulia, an online real estate marketplace. “The tax benefits are of less importance to them.”

“Mortgage outlook: Rates will ratchet up

FreddieMacLogo_3“The 30-year fixed rate has lingered at about 4% or less since mid-2011, but this is the year mortgage rates will begin to rise from historic lows. The Federal Reserve is all but certain to continue ratcheting up short-term rates, and yields on 10-year Treasuries, which are tied to the 30-year mortgage rate, have already jumped. In early February, the national average 30-year fixed rate was 4.2%, according to Freddie Mac. By the end of 2018, Kiplinger expects the 30-year fixed rate to hit 4.5% and the 15-year fixed rate to reach 4.2%, up from 3.7% in early February.

“Borrowers who have a FICO credit score of 720 or higher and a down payment of at least 30% will get the best rates. Lenders will look at your whole credit profile, however, and consider factors that will offset risk, such as making a larger down payment or having other assets, says Guy Cecala, publisher of Inside Mortgage Finance. You still must be prepared to produce heaps of documentation of your income and assets and answer persnickety questions.

“With rising home prices and increasing equity, homeowners who haven’t refinanced yet could still snag a low fixed rate. As rates rise, 5/1 and 7/1 adjustable rate mortgages, which lock in a lower rate for five or seven years and then default to a one-year ARM, could gain popularity. Rates on jumbo loans (with a loan amount of $453,100 or more or, in high-cost areas, $679,650 or more) may be even lower than on conforming loans, says Cecala.

“When you shop, include an independent mortgage broker or two along with your bank or credit union and nonbank lenders such as Quicken, Caliber Home Loans or LoanDepot. Brokers may be able to find a cheaper deal through their wholesale channel than you could by approaching lenders directly.”

Congratulations to Shell Festival Winners

The island papers this week include the “Ribbon Report” from the 2018 Sanibel Shell Show. It was great to read of that some of our friends, clients, blog followers, and chorus pals won awards!

  • Dianne Reich’s sailor’s valentine received a 2nd place ribbon.


  • Cheri Hollis’s shell photo got a 3rd place ribbon.

Cheri hollis pix

  • Barb Walling’s professional flower arrangement made of shells won a 1st place ribbon. Barb’s professional sea-life arrangement also earned a 1st place.

Congratulations to all who participated.

Upcoming Island Events

lionslogo35th Annual Sanibel-Captiva Lions Club Fine Arts & Crafts Fair – next week, 3/16 & 3/17 at The Community House across the street from SanibelSusan Realty. Fri 9 a.m. to 5 p.m. Sat 9 a.m. to 4:30 p.m.

The Launch – Sat 3/24 from 6 to 10 p.m., celebrating The Past, Present & Future of Our Coastal Heritage, sponsored by Coastal Keepers at The Sanibel Community House. To make a reservation call (239) 472-8585.

Sanibel & Captiva Islands Multiple Listing Service Activity March 2-9, 2018 

sancap GO MLS logoSanibel


5 new listings: Sandpebble #4D 2/2 $439K, Sanibel Moorings #1611 2/2 $509K, Breakers West #A4 2/2 $549.9K, Sundial East #T301 2/2 $845K, Sundial East #P204 2/2 $899K.

3 price changes: Mariner Pointe #1061 2/2 now $549.9K (our listing), Lighthouse Point #321 3/2 now $679K, Loggerhead Cay #163 2/2 now $799,999.

4 new sales: Mariner Pointe #241 2/2.5 listed at $629K, Sundial West #J408 2/2 listed at $679K, Snug Harbor #211 2/2 listed at $769K, Sanddollar #B301 2/2 listed at $1.149M.

2 closed sales: Blind Pass #D101 2/2 $415K, Seascape #202 3/3.5 $2.195M.


2 new listings: 9471 Peaceful Dr 3/2 $469K, 330 East Gulf Dr 3/2 $1.15M.

14 price changes: 9225 Belding Dr 3/2 now $449.9K, 225 Daniel Dr 3/2.5 now $719K, 9028 Mockingbird Dr 4/3 now $869K, 3941 Coquina Dr 3/2 now $949K, 5313 Punta Caloosa Ct 4/3 now $965K, 1724 Bunting Ln 3/4 now $975K, 1304 Eagle Run Dr 3/3 now $1.0995M, 824 Birdie View Pt 3/3 now $1.169M, 580 Lake Murex Cir 4/2 now $1.195M, 529 Lighthouse Way 3/3 now $1.22M, 534 N Yachtsman Dr 3/2 now $1.298M, 2857 Wulfert Rd 4/5 now $1.598M, 490 Sawgrass Pl 3/2.5 now $1.675M, 4689 Rue Belle Mer 5/6.5 now $6.995M.

6 new sales: 1625 Sand Castle Rd 3/3 half-duplex listed at $619K, 1342 Junonia 3/3 listed at $669K, 1295 Par View Dr 3/2 listed at $675K, 5757 Baltusrol Ct 3/3 listed at $1.497M, 6021 Sanibel-Captiva Rd 4/3/2 listed at $2.499M, 1304 Seaspray Ln 3/2.5 listed at $4.345M.

3 closed sales: 1943 Sanibel Bayou Rd 3/3 $629.5K, 1307 Par View Dr 3/3 $970K, 1077 Bird Ln 4/4/2 $5.5M.


No new listings.

3 price changes: 9226 Kincaid Ct now $159K, 1204 Par View Dr now $329K, 4995 Joewood Dr now $2.495M.

No new sale or closed sales. 



2 new listings: Marina Villas #803 2/2 $749K, Beach Homes #17 4/3 $3.395M.

No price changes or new sales.

1 closed sale: Beach Cottages #1403 2/2 $1.125M


No new listings.

1 price change: 15138 Wiles Dr 6/5.5 now $6.999M.

No new sales.

1 closed sale: 11521 Andy Rosse Ln 7/8 $2.25M.


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.

Until next Friday, Susan Andrews, aka SanibelSusanSanibelsusan Logo

Another Friday On Sanibel

A steady increase in traffic is noticeable here on the island, which we expect to continue through Easter. The weather has been great this week, but an additional cold front is expected to arrive this weekend and is due to stay around all next week. Wednesday morning low looks to be in the 30’s.

Sanibelcityseal logoBoat Ramp Rehabilitation Project Complete

The City of Sanibel Boat Ramp Rehabilitation project is complete and now open to the public. The project consisted of removal and replacement of the deteriorated concrete boat ramp. The completed boat ramp includes modified slopes for improved boating access and a new v-groove pattern for added vehicle traction. The dock walkways were widened and a railing added for safety. Parking at the boat ramp is available as paid hourly or through a valid Sanibel “C” parking pass.

Sanibel & Captiva Multiple Listing Service Activity January 5-12, 2018



4 new listings: Sundial West #J307 2/2 $759K, Surfside 12 #A1 3/2 $799K, Sanibel Arms West #D5 2/2 $849K, By-The-Sea #B202 2/2 $1.249M.

6 price changes: Lighthouse Point #220 2/2 now $450K, Mariner Pointe #521 2/2 now $475K, Sanibel Arms West #H2 2/2 now $499K, Mariner Pointe #1061 2/2 now $589.9K (our listing), High Tide #C101 2/2 now $939K, Gulfside Place #123 2/2 now $1.248M.

1 new sale: Blind Pass #D105 2/2 listed at $419K.

4 closed sales: Sundial West #G105 1/1 $425.1K, Loggerhead Cay #153 2/2 $870K, Sanibel Moorings #1221 3/2.5 $965K, By-The-Sea #9 3/2 $1.749M.


8 new listings: 6143 Henderson Rd 4/3 $489K, 1169 Sand Castle Rd 3/2 $679K, 1550 Centre St 4/3 $725K, 1245 Anhinga Ln 3/2 $875K, 938 Pecten Ct 3/2.5 $1.195M, 569 Lighthouse Way 3/3 $1.395M (our listing), 4641 Belle Mer 3/2.5 $3.295M, 1310 Seaspray Ln 4/4 $5.795M.

6 price changes: 3784 Coquina Dr 3/3 now $625K, 9446 Beverly Ln 3/3.5 now $874.5K, 1470 Angel Dr 3/2 now $920K, 5402 Osprey Ct 4/3 now $1.025M, 1672 Hibiscus Dr 3/2 now $1.249M, 2167 Starfish Ln 4/4.5 now $1.975M.

8 new sales: 9292 Kincaid Ct 3/2 listed at $489K, 5301 Ladyfinger Lake Rd 3/2 listed at $649K, 1323 Par View Dr 3/2 listed at $649K, 1513 Sand Castle Rd 3/2.5 listed at $689K, 1314 Par View Dr 3/2 listed at $800K, 1341 Sand Castle Rd 3/2 listed at $845K, 1035 Kings Crown Dr 4/3 listed at $1.7495M, 547 Kinzie Island Ct 4/4.5 listed at $1.789M.

4 closed sales: 1312 Par View Dr 3/2 $685K, 700 Nerita St 3/2 $675K, 932 Whelk Dr 3/3 $1.15M, 3869 West Gulf Dr 6/7/2 $7.8M.


7 new listings: 1313 Par View Dr $365,555; 809 Pyrula Ave $475K; 217 Violet Dr $575K; 3304 Saint Kilda Rd $699K; 6000 White Heron Ln $169K; 0 Sawgrass Pl $949K; 1321 Seaspray Ln $995K.

3 price changes: 2486 Wulfert Rd now $169K, 0 Island Inn Rd now $279K, 5251 Indian Ct now $729K.

No new or closed sales.



1 new listings: Beach Villas #2621 2/2 $650K.

No price changes or new sales.

3 closed sales: Sunset Captiva #201 2/2 $830K, Beach Homes #7 2/2 $1.4M, Beach Homes #8 4/3 $2.35M.


1 new listing: 10 Sunset Captiva Ln 2/2.5 $989K.

1 price change: 11509 Chapin Ln 4/4 now $2.149M.

2 new sales: 15154 Wiles Dr 4/3 listed at $1.495M, 16167 Captiva Dr 4/3 listed at $1.595M.

1 closed sales: 14865 Mango Ct 2/2 $850K.


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.

Have a Great Weekend!

Elise for The SanibelSusan Team

Brrrr…It’s Cold Outside

Well, this week has been a cold week on Sanibel. We won’t complain though, as we are thinking of everyone elsewhere in the US dealing with far greater cold temps. Stay warm & safe everyone.

Insurers Try New Tactic To Limit Damage Claims

Florida Realtors logoHere is an article posted on FloridaRealtors® website: Some Florida homeowners are discovering their insurance companies are employing an interesting strategy to avoid future claims costs.

Settlement checks sent by at least three companies include language stating that accepting the check releases the companies from further obligations connected to the claim.

Plaintiffs’ attorneys say they have major problems with this strategy: It tries to intimidate policyholders into not seeking payment for additional costs that come up during repairs and is likely unenforceable.

Palmetto Bay-based trial attorney Joe Ligman pointed to a section of Florida insurance law stating an insurer, after paying “actual cash value” for an insured loss minus any applicable deductible, “shall pay any remaining amounts necessary to perform such repairs as work is performed and expenses are incurred.”

But that’s not what notices from two of Florida’s largest insurers say.

On the back side of checks sent to homeowners, Fort Lauderdale-based Universal Property & Casualty includes the statement that an endorsement by the payee “constitutes receipt and release in full settlement for the claim or item mentioned in the draft.” Universal P&C is the state’s largest property insurer, with 612,227 policies statewide and 237,172 in the tri-county region as of Sept. 30, according to state records.

Along with a check sent to at least one of its homeowners, Deerfield Beach-based People’s Trust Insurance sent a letter stating that “your endorsement of the indemnity check constitutes a full accord and satisfaction of a disputed loss.”

And a third company, Sarasota-based Gulfstream Property and Casualty Insurance Co., enclosed with checks to at least two victims of Hurricane Irma a “release of property damage” that “does hereby … release, acquit and forever discharge” the company and its officials “from any and all claims, actions, causes of actions, demands, rights, damages, costs, loss of service, expenses and compensation whatsoever” stemming from the hurricane.

By contrast, state-run Citizens Property Insurance Corp. acknowledged in December that rising labor and materials costs triggered by Hurricane Irma would likely result in higher repair costs than initially estimated.

“As they go through the claims and repairs process, things will come up that may require us to readdress [and reopen] the claim,” Citizens spokesman Michael Peltier said Wednesday.

Locke Burt, chairman and president of Ormond Beach-based Security First Insurance, said his firm does not send release language with its claims checks “because we agree with the trial lawyer. It wouldn’t stand up in court.” Plus, he said, “We wouldn’t treat people that way.”

The Sun Sentinel contacted Universal P&C, People’s Trust and Gulfstream and asked each why they assert that acceptance of a settlement check releases them from supplemental claims.

The state law requiring insurers to pay any remaining amounts for additional work does not apply to People’s Trust, which operates a unique business model known as “managed repair,” countered Amy Rosen, the company’s chief marketing officer.

The company, with 129,626 policies statewide and 56,511 in the tri-county region, provides a premium discount in exchange for a customer’s agreement to use its affiliated “Rapid Response Team” contractor to make repairs. Rosen said it only sends the letter asserting acceptance of its check releases it from future obligations when a policyholder “wishes to receive a monetary payment in exchange for [the company’s] agreement to waive its right to have [the Rapid Response Team] perform the repairs.”

“If the insured accepts the monetary payment … then a settlement has been reached,” Rosen said. “If the insured does not accept the payment, then [the Rapid Response Team] repairs the property and, if additional covered damage is found, that is also repaired.”

Perry Cone, Gulfstream’s general counsel, declined to respond to questions about why it directs its policyholders to sign the release forms. “Gulfstream absolutely follows Florida law in its claims handling processes,” Cone wrote.

Travis Miller, spokesman for Universal Property & Casualty, said the statement on the checks “does not preclude claims for replacement costs or supplemental damage,” adding it “represents payment for items that have been reported to the insurer, have been reviewed, and are included within the scope of the draft.” He said other statements with the check will specify that the release pertains to a portion of coverage the check is for, such as additional living expenses, and “does not affect other payments such as replacement costs or other portions of the same claim [or any other claim.]”

Trial attorney Ligman, representing a policyholder who has declined to endorse a check from Universal, has filed a petition asking a Miami-Dade County circuit court judge to determine whether endorsement of the company’s check would bar him from making future claims.

“Universal refuses to change their check policy and continues to send the check release endorsement in violation of Florida law in order to trick their insureds to believe that they are releasing all future claims,” the petition states.

Sanibel & Captiva Multiple Listing Service Activity December 29, 2017 – January 5, 2018



1 new listing: Sandy Bend #4 2/2 $779K.

6 price changes: Tennisplace #D21 1/1 now $244.8K, Captains Walk #B2 1/1 now $249K (our listing), Lighthouse Point #220 2/2 now $450K, Pine Cove #102 3/2 now $1.25M, Gulfside Place #123 2/2 now $1.273M, Plantation Village #312 3/2.5 now $1.749M.

1 new sale: By-The-Sea #9 3/2 listed at $1.749M.

2 closed sales: Sanibel Arms #F2 1/1 $470K, Nutmeg Village #205 2/2 $745K.


8 new listings: 9477 Peaceful Dr 3/2 $537K; 887 Casa Ybel Rd 5/3 duplex $575K; 1513 Sand Castle Rd 2/2.5 $689,000; 3010 West Gulf Dr 3/2 $799K; 529 Lake Murex Cir 3/2 $799,997; 9028 Mockingbird Dr 4/3 $889K; 4960 Joewood Dr 3/3 $1.049M; 940 Spoonbill Ct 3/2.5 $1.195M.

6 price changes: 9292 Kincaid Ct 3/2 now $489K, 4542 Bowen Bayou Rd 3/2 now $548K, 1327 Tahiti Dr 2/2 now $630K, 6123 Starling Way 3/2.5 now $1.225M, 1995 My Tern Ct 4/2 now $1.389M; 2029 Periwinkle Way 4/3 now $1.899M.

12 new sales: 1613 Sand Castle Rd 3/2.5 listed at $499K, 9446 Yucca Ct 3/2 listed at $545K, 2521 Key Lime Pl 3/2 listed at $599K, 241 Violet Dr 3/2.5 listed at $750K, 335 East Gulf Dr 3/2 listed at $1.095M, 1307 Par View Dr 3/3 listed at $1.1M, 1277 Par View Dr 4/3.5 listed at $1.15M, 1106 Buttonwood Ln 3/2 listed at $1.2M, 1313 Eagle Run Dr 3/3 listed at $1.35M, 1052 Whisperwood Ln 3/3 listed at $1.499M, 3945 West Gulf Dr 3/3 listed at $3.195M, 4115 West Gulf Dr 4/5 listed at $5.485M.

4 closed sales: 725 Nerita St 2/1 $385K, 5292 Umbrella Pool Rd 3/2 $540K, 3273 Twin Lakes Ln 3/2 $820K, 4155 West Gulf Dr 4/3 $4M.


No new listings or price changes.

1 new sale: 667 Birdie View Pt listed at $345K.

No closed sales.



1 new listing: Tennis Villas #3216 1/1 $330K.

1 price change: Marina Villas #610 2/2 now $725K.

1 new sale: Beach Villas #2514 2/2 listed at $609K.

No closed sales.


2 new listings: 20 Urchin Ct 2/2.5 $989K, 16801 Captiva Dr 3/3.5 $2.695M.

2 price changes: 1114 Schefflera Ct 4/3.5 now $2.899M, 15133 Captiva Dr 3/3 now $3.2M.

1 new sale: 1121 Schefflera Ct 4/4.5 listed at $5.6M.

2 closed sales: 11461 Old Lodge Ln 2/2 $995K, 11500 Gore Ln 3/2 $1.15M.


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.

Have A Great Weekend!

Elise for The SanibelSusan Team














Happy New Year From Sanibel

We have enjoyed another week of nice weather here on Sanibel. Today and into the New Year we are expecting a “cool front” with morning lows in the 50’s (later next week to be in the 40’s) & the afternoons warming to the mid 60’s, low 70’s. Lots of people this week, walking, biking, & filling up the roads. Here at the office we know when it is 3:30, as the cars are stopped on the road out front.

polar bear plungeNew Year’s Day Polar Bear Plunge

On Monday, January 1, the Sanibel-Captiva Chapter of the National Polar Bear Club will hold its 18th annual meeting at “the crack of noon” at Tarpon Bay Beach (the south/gulf end of Tarpon Bay Road). The meeting will begin with the singing of the traditional Polar Bear anthem by the Cubbies (first-timers), Juveniles (one-time previous dippers) and seasoned Adult bears (those who took the plunge in previous years). Following the anthem, the Polar Bears will enter the “icy” gulf waters. Everyone is welcome. Chairs and coolers are optional.

Sanibel Library Earns Award

sanibel libraryThis year marks the fourth time the Sanibel public library has been recognized as one of the best libraries in the country by Library Journal. The rating is based on the number of people walking through the library’s doors, number of program attendees and the number of books checked out. The rating is also based on electronic material.

“Ding” Darling Announces 2018 Film Series

ding darlingThe sixth annual “Ding” Darling Wednesday Film Series kicks off its bi-weekly showings this winter with a schedule of seven films that explore natural facets from pollinators and coral to wild Florida and the war on coal. It runs Jan. 10 through April 4.“Ding” Darling Wildlife Society-Friends of the Refuge hosts the free film showings in the “Ding” Darling Visitor & Education Center with sponsorship from Sanibel-Captiva Beach Resorts. Seating is limited and on a first-come basis.

Below are the season’s scheduled films. All films begin at 1 p.m. except the Jan. 24 film, which airs at 10a.m. A short discussion will follow each film to allow visitors to gain more from their documentary-viewing experience by listening to other people’s points of view and analyzing what they just watched. For full descriptions of the films, please visit

Jan. 10 – Wings of Life

Jan. 24 – Tapped

Feb. 7 – From the Ashes

Feb. 21 – Chasing Coral

March 7 – The Forgotten Coast: Return to Wild Florida

Mach 21 – Mission Blue

April 4 – STRAWS

Sanibel & Captiva Multiple Listing Service Activity December 22-29, 2017



1 new listing: Sundial West #F308 1/1 $439K.

No price changes.

3 new sales: Sanibel Moorings #1221 3/2.5 listed at $1.095M, White Sands #32 2/2.5 listed at $1.095M, Bandy Beach #A101 3/2 listed at $1.299M (our Buyer).

1 closed sale: Captains Walk #A8 2/2 $347K.


2 new listings: 5299 Umbrella Pool Rd 3/2.5 $539K, 5411 Osprey Ct 3/2 $1.295M.

2 price changes: 563 Hideaway Ct 3/2 now $699K, 4460 Waters Edge Ln 3/2 now $898K.

3 new sales: 1394 Middle Gulf Dr half-duplex listed at $524.9K, 1943 Sanibel Bayou Rd 3/3 listed at $649.9K, 5743 Baltusrol Ct 3/3/2 listed at $1.495M.

6 closed sales: 1390 Middle Gulf Dr 3/3 half-duplex $430K, 1187 Sand Castle Rd 3/2 $635K, 2030 Sunrise Cir 3/3 $605K, 1195 Par View Dr 3/2.5 $1M, 519 Kinzie Island Ct 3/2.5 $1.25M, 750 Periwinkle Way 5/4 $1.49M.


2 new listings: 4538 Bowen Bayou Rd $258K, 1817 Long Point Ln $399,555.

2 price changes: 5116 Sea Bell Rd now $169.5K, 5126 Sea Bell Rd now $169.5K.

No new or closed sales.



No new listings or price changes.

1 new sale: Captiva Shores #4B 3/2.5 listed at $1.495M.

No closed sales.


4 new listings: 41 Oster Ct 2/2.5 $1.085M, 16163 Captiva Dr 3/2 $2.795M, 1124 Longifolia Ct 4/5 $4.3M, 15867 Captiva Dr 3/3.5 $4.895M.

No price changes.

1 new sale: 11526 Laika Ln 4/4 duplex listed at $1.749M.

No closed sales.


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 new year

Happy New Year!

Elise for The SanibelSusan Team

Merry Christmas from Sanibel

It’s been a beautiful weather week, some fog in the early mornings, but with sunny skies every day. The Christmas Eve & Christmas Day forecasts look just as nice & sunny.

Sanibel & Captiva Islands Association of Realtors®

Sanibel realtors logoAs a reminder, there was no Realtor® Caravan this week, but the every-Thursday-morning schedule begins again on Dec 28 with a West Caravan.

ding darling goose logoFree Refuge Programs and Tours Begin In January 

This year, JN “Ding” Darling National Wildlife Refuge adds a new Horseshoe Crab program to its calendar of daily free tours and activities. The seasonal calendar of free programs and tours begins on Tuesday, January 2 and runs through April 8. Daily programs begin at 8:30 a.m. and include programs such as Nature Photography, Beach Walk, Birds of Prey, and Indigo Trail Walk. They have something for visitors of all ages and the programs/tours last anywhere from a half hour to two hours. For a full calendar of programs/tours and descriptions, visit

henderson-franklinRent Tax Reduced Beginning January 1, 2018

Here is an article written by Henderson Franklin, Attorneys at Law:

The Florida Legislature recently delivered a small win for the business community with Florida House Bill 7109. Effective January 1, 2018, Florida Statute 212.031(1)(c) is amended by lowering the sales tax levied against commercial tenants from 6% to 5.8%. A more significant decrease would have been better, but commercial tenants will take what they can get, we suspect. The tax – known as the Business Rent Tax or “the BRT” – affects commercial tenants including retail, office space, and industrial tenants.

What is the BRT?

The Florida Legislature enacted the BRT in 1969, declaring that the business of renting, leasing, letting or granting a license for the use of commercial real property is a “taxable privilege.” In part because Florida has no personal income tax, the state government relies on sales taxes, including the BRT, as a significant source of revenue. Many local governments also impose a local option sales tax on top of the state BRT.

Florida is the only state to levy a statewide tax against commercial tenants, and thereby creates a competitive disadvantage for Florida businesses that lease rather than own their commercial space.

House Bill 7109

Florida’s BRT is unique from a national perspective in two respects: not only is it the only standard, statewide sales tax on commercial real estate rents, but unlike other corporate taxes, it is not pegged to profitability. As a result, the BRT significantly raises occupancy costs on all commercial tenants, regardless of their financial condition. New and/or struggling businesses in Florida may have the greatest difficulty with the burden this tax creates, and these businesses are likely to benefit the most from the tax relief in House Bill 7109.


Many voices within Florida’s business community have pushed for years for steep cuts to the BRT and, beginning in 2018, start to see their lobbying efforts bear fruit. Considering the significant impact the tax has on occupancy costs, the BRT should continue to be the subject of considerable debate in Tallahassee. As with all tax matters, please consult with your tax professional.

homesteadYou Can Inherit A Home, But You Can’t Inherit Taxes

Here is a helpful article posted at FloridaRealtors®. This one on Dec 18, 2017 is credited to Marty Kiar, Broward County property appraiser.

“The family home often passes from generation to generation as parents pass on, but Broward County’s property appraiser says he often gets a similar question the following year: Why did my property taxes go up so much?

“This happens when the decedent’s Homestead Exemption is removed the year following their passing and the Save Our Homes value is reset,” says Broward’s Marty Kiar. While alive, the parents had a cap on the amount their property taxes could go up each year thanks to Florida’s homestead exemption.

However, that protection ends and the house’s taxable value resets when it gets a new owner, even if that new owner inherited the house from his or her parents. In some cases, that higher taxable value can be dramatic.

Kiar notes only a few exceptions: A surviving spouse can inherit a house as well as the existing tax savings via Save Our Homes, as can a “legal dependent who was permanently residing on the property at the time of the decedent’s death.”

In all other cases, the new owner – even if he or she grew up in that house – must file for a new Homestead Exemption when they become the legal owner. Once filed, they also then have protection from yearly increases through Save Our Homes, though going forward it’s based on the first year they applied for the Homestead Exemption.”

Sanibel & Captiva Multiple Listing Service Activity December 15-22, 2017 



7 new listings: Spanish Cay #4 2/2 $374K, Sundial West #G105 1/1 $425K, Blind Pass #B211 2/2 $469K, Sunset South #1A 2/2 $775K, Loggerhead Cay #134 2/2 $995K, Tanglewood #1A 3/2 $1.149M, Atrium #201 3/3 $1.495M.

3 price changes: Sundial West #G204 2/2 now $649,999; Island Beach Club #220E 2/2 now $979K; Pointe Santo #E23 2/2 now $995K.

2 new sales: Sundial West #G105 1/1 listed at $425K, Sundial West #J207 2/2 listed at $695K.

6 closed sales: Seashells #44 2/2 $320K, Captians Walk #B5 2/1 $340K, Sundial West #C306 1/1 $404.5K, Blind Pass #B207 2/2.5 $469K, Sanibel Arms West #G8 2/2 $475K, Bougainvillea #A3 4/4 $3.55M.


12 new listings: 1613 Sand Castle Rd 3/2.5 half-duplex $499K, 1027 Sand Castle Rd 2/2 $575K, 693 Rabbit Rd 3/2 $579K, 2521 Key Lime Pl 3/2 $599K, 1357 Jamaica Dr 2/3 duplex $650K, 1521 Wilton Ln 3/2 $784.5K, 4791 Rue Helene 3/2 $875K, 1106 Buttonwood Ln 3/2 $1.2M, 4166 Dingman Dr 4/4 $2.9M, 772 Birdie View Pt 3/3.5 $1.395M, 1035 Kings Crown Dr 4/3 $1.7495M, 1191 Bird Ln 5/4.5 $7.9M.

5 price changes: 667 Spartina Ct 3/2 now $619,555; 5299 Ladyfinger Lake Rd 3/3 now $648K; 1656 Middle Gulf Dr 3/4 now $990K; 5403 Shearwater Dr 4/3 now $1.195M; 2939 Wulfert Rd 5/5/2 now $1.349M.

9 new sales: 915 Palm St 3/2 listed at $475K, 3273 Twin Lakes Ln 3/2 listed at $825K, 3358 Saint Kilda Rd 3/3 listed at $979K, 932 Whelk Dr 3/3 listed at $1.224M, 899 Almas Ct 3/2 listed at $1.249M, 2441 Wulfert Rd 4/4.5 listed at $1.295M, 2190 Starfish Ln 3/3 listed at $1.395M, 1525 San Carlos Bay Dr 3/2 listed at $1.675M, 267 Ferry Landing Dr 3/2 listed at $1.795M.

1 closed sale: 4775 Rue Helene 4/3 $737.5K.


1 new listings: 2987 Wulfert Rd $450K.

No price changes.

1 new sale: 1311 Par View Dr listed at $274K.

1 closed sale: 461 Lake Murex Cir $325K. 



No new listings.

1 price change: Sunset Captiva #302 4/3 now $2.895M.

2 new sales: Tennis Villas #3210 1/1 listed at $300K, Lands End Village #1657 2/2 listed at $1.095M

1 closed sale: Lands End Village #1660 3/3 $1.5375M.


2 new listings: 11526 Laika Ln 4/4 duplex $1.749M, 16814 Captiva Dr 5/5.5 $8.2M.

2 price changes: 16163 Captiva Dr 3/2 now $2.795M, 16447 Captiva Dr 6/5/2 now $3.599M.

No new or closed sales.


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.

Santa on Beach

Wishing You & Your Family A Happy Holiday Weekend!

Elise for The SanibelSusan Team


Fall Weather Is Here – on Sunny Sanibel

Sanibelsusan Logo



Yippee, SanibelSusan is happy to report that fall weather really has arrived on Sanibel and Captiva Islands. The high yesterday was only in the low 70’s. Temperatures from now through Thanksgiving are forecast to be in the 60’s at night, topping out in the mid- to high-70’s during the days – perfect weather for the holiday and enjoying the islands.

SanibelSusan Realty Associates

We had another flurry of office activity this week – more listings opened for showing, more open houses, more inquiries. Most years, real estate sales are slow during the holidays – from Thanksgiving until the 1st week in January. Maybe this year will be the different. The island already is filling up with Thanksgiving week visitors and vacationers.

Sanibel & Captiva Islands Association of Realtors®

San Cap LogoYesterday was the Association’s November general membership meeting, held following an 8 a.m. breakfast at The Sanctuary Clubhouse. Sponsor was Simmons Law Firm. Speaker was Rae Ann Wessel, Sanibel-Captiva Conservation Foundation (SCCF) Natural Resource Policy Director.

These breakfast meetings always have a big turn-out and yesterday was no exception. President Joel Goodman announced that the “Fall Into Christmas” fundraiser for Friends Who Care was a big success. By the end of the meeting, additional cash donations for that charity had jumped to almost $3,800.

With “season” here, many new listings were announced, not many sales, but 19 properties were open for the morning caravan that followed the meeting. I viewed a stunning one overlooking Clam Bayou with amazing water and sunset views. (If you are here “in season”, you can usually plan on seeing new listings open Thursday mornings from 9 a.m. until noon. Because of increased winter traffic, the schedule rotates from east-end to west end. With Thanksgiving being next week, the next event is Nov 30 – east end when our new listings on Anchor Drive and at Mariner Pointe will be open.

The activity posted in the Sanibel/Captiva Multiple Listing Service since last Friday follows a few news items below.

Sanctuary Scoop

sanctuary golf club logoSanctuary Club General Manager & COO, Ken Kouril gave attendees an update on membership. As he said, “if you build it, they will come”.

The Sanctuary is a member-owned club, offering a golf course, racquet sports, fitness, wellness, and an elegant clubhouse with dining and social activities. Club members need not be residents of The Sanctuary neighborhood. Ken advised that last “season” they expected to sell 20 memberships, but sold 32. This year, just two months into season another 17 are gone. It’s definitely a popular spot!

Their premiere offering, the Equity Membership privileges include access to all Club facilities (which were refreshed, remodeled, and renovated summer 2016), a par-72 Championship Arthur Hills-designed golf course, driving range, short game area, putting green, chipping area, golf lessons, priority tee times, and tournament play, a 50,000-sq.ft. clubhouse, world-class dining, four Har Tru tennis courts, four Pickleball courts, and a 5,000-sq.ft. Wellness Center with a sports pool. The Wellness Center includes an 1,800-sq.ft. equipment room housing state-of-the-art cardio and strength training equipment, a dedicated stretching room, a 900-sq.ft. group exercise room for Pilates, yoga, and similar activities, comfortable well-appointed rooms for massage therapy, and a locker room area. Equity members have voting and redemption rights and hold an Equity position in the Club.

SCCF & Water Quality Update

SCCF logoRae Ann’s slide presentation included a progress report of the status of the EAA (Everglades Agricultural Area) reservoir which works with the CEP (Central Everglades Project). The project was approved by voters in 2000, but now 17 years later, it still has not been built. She noted an earlier FloridaRealtors® study on how water quality affects real estate values, not just within the Caloosahatchee Estuary area, but also inland.

The huge amount of water Florida received this summer, mostly thanks to Hurricane Irma, surpassed all records since those first recorded in 1947. The dark excess freshwater observed near the mouth of the Caloosahatchee River, particularly in the bay, resulting from Irma, illustrates how badly alternative outlets and additional water storage areas are needed.

Here’s a little history about Lake Okeechobee and its surrounding dike (thanks to Wikipedia): In the 1910’s the Herbert Hoover Dike was constructed around Lake O. Originally, it was just a small earthen dike. The containment was breached by a storm surge from the Great Miami Hurricane in 1926 and the 1928 Okeechobee Hurricane, killing thousands. After those disasters, Florida State Legislation created the Okeechobee Flood Control District which was authorized to cooperate with the U.S. Army Corps of Engineers in flood control.

After a personal inspection by President Herbert Hoover, the Corps drafted a new plan which provided for the construction of floodway channels, control gates, and major levees along Lake Okeechobee’s shores. A long-term system was designed for flood control, water conservation, prevention of saltwater intrusion, and preservation of fish and wildlife.

In the 1930’s a larger system of levees was built around the lake. Following heavy rain and flooding from two hurricanes in 1947 (the last time as much rain hit Florida as this year), the dike again was expanded. That expansion in the 1960’s created the current Herbert Hoover Dike. The dike almost completely encloses the lake. The dike now is about 30 feet high on average, but is falling into disrepair.

As SCCF reports, progress is being made on Everglades restoration projects critical to opening the southern end of the Everglades to move water south. Passage of the bill to establish the EAA reservoir will work in tandem with these projects to add water storage capacity south of Lake O to feed needed water to the Everglades and Florida Bay currently dumped to the estuaries.

While the EAA Reservoir does not solve all the problems, it is a major step forward and initial planning for the project has begun. Committee work for the next Florida legislative session also already has begun with the session opening on January 9 (two months earlier than normal because of the upcoming election year). SCCF has a legislation tracker at Please follow the legislation and whenever a “call to action” is requested, please act. We all need to stay involved in Florida’s water.

Upcoming Events

Thanksgiving 2017Annual Sanibel Thanksgiving Celebration – You-know-who is singing with the BIG ARTS Community Chorus. Hope to see you there. Sunday, Nov 19, at 6:45 p.m. at The Community House with music and song. Sanibel School’s Seahorse Chorale also is singing. Free admission, but please bring a donation for FISH of San-Cap.

Fit-4-Life 10-Year Celebration – Monday, Dec 4 from 3 to 5 p.m. at the Sanibel Rec Center, with music, dancing, photo booth, bounce house, drawings, facility tours, cupcakes, and video.

Holiday Tips from LCEC

Lcec logoFour important tips to keep your spirits bright!

  1. Before you plug in lights, check for frayed wires, damaged sockets, & insulation gaps. Toss & replace any that are damaged.
  2. Consider LED lights which are cooler & more energy efficient.
  3. Don’t overload outlets or extension cords.
  4. Turn off all lighting before leaving the property or going to bed.

Top 10 Airlines Serving Southwest Florida

logo-rswHere’s a little info about the top ten airlines serving Southwest Florida (from the Oct/Nov 2017 “Gulfshore Business” magazine). All of the airlines mentioned below fly out of Southwest Florida International Airport (RSW), except Allegiant (Punta Gorda Airport). Their number of passengers to Southwest Florida and their headquarters, follow their name.

  1. Delta, 1.9 million, Atlanta
  2. Southwest, 1.8 million, Dallas
  3. American, 1.23 million, Ft Worth, TX
  4. Allegiant, 992,990, Las Vegas
  5. JetBlue, 981,000, New York
  6. United, 725,000, Chicago
  7. Spirit, 600,000, Ft Lauderdale
  8. Frontier. 383,000, Denver
  9. Air Canada, 164,000, Montreal
  10. Sun Country, 132,000, Minneapolis

2018 Sanibel Beach Parking Permits Available Now


On Wed, the 2018 Sanibel Beach Parking Permits became available at the Sanibel Recreation Center. To qualify for one, bring a valid vehicle registration for each vehicle AND a valid government-issued identification. A driver’s license showing a Sanibel address or proof of Sanibel property ownership is required to buy a resident/property owner “A” sticker.

2018 Parking Permit Decals & Fees (permits valid through 11/30/2018) include:

“A” resident/property owner permit $12 (resident &/or Sanibel ad valorem taxpayer property owner

“B” non-resident permit $124 (non-Sanibel ad valorem taxpayer property owner)

“C” restricted permit $90 (resident & non-resident)

“A/C” resident/property owner permit $102

“B/C” non-resident permit $248

Decal transfer or reissue fee $3 (residential & restricted)

General parking meter rate $5 per hour or any fraction

General parking at $5 per hour or “C” permit required for parking at Gulfside City Park (Algier’s) & the Sanibel Boat Ramp

“A” permit parking only at Beach Access Lots 1 through 7 on West Gulf Dr.

More details on (The Rec Center is open Mon through Thur 6:30 a.m. to 8 p.m; Friday 6:30 a.m. to 6:30 p.m.; Sat 8 a.m. to 5 p.m.; Sun 12 p.m. to 5 p.m.

Rec Center memberships are available too – daily, weekly, semi-annual, and annual.

Sanibel & Captiva Multiple Listing Service Activity November 10-17, 2017

sancap GO MLS logoSanibel


7 new listings: Mariner Pointe #122 1/1 $410K, Mariner Pointe #533 2/2 $499K, Mariner Pointe #1061 2/2 $599.9K (our listing), Lighthouse Point #321 2/2 $699K, Pointe Santo #D6 2/2 $699.9K, Sand Pointe #111 2/2 $715K, High Tide #C201 2/2 $1.045M.

Lanai a

Mariner Pointe #1061 lanai


3 price changes: Breakers West #A5 2/2 now $498K, Compass Point #192 2/2 now $1.195M, Bandy Beach #A101 3/2 now $1.299M.

1 new sales: Sanibel Arms West #G8 2/2 listed at $499K.

1 closed sale: Tarpon Beach #A102 2/2 $730K.


12 new listings: 1394 Middle Gulf Dr 3/2 half-duplex $524.9K, 1342 Junonia Sr 3/3 $699K, 3358 Saint Kilda Rd 3/3 $979K, 1195 Par View Dr 3/2.5 $1.095M, 205 Hurricane Ln 3/2 $1.195M, 478 Sea Oats Dr 3/3 $1.295M, 1277 Par View Dr 4/3.5 $1.299M, 534 N. Yachtsman Dr 3/2 $1.395M, 805 Sand Dollar Dr 4/3 $1.449M, 2984 Wulfert Rd 3/3 $1.9M, 6021 Sanibel-Captiva Rd 4/3/2 $2.75M, 5615 Baltusrol Ct 4/6/3 $3.695M.

9 price changes: 1040 Sand Castle Rd 3/2 now $578K, 5306 Umbrella Pool Rd 4/3 now $799K, 1114 Captains Walk St 3/3 now $949K, 2313 Wulfert Rd 3/3 now $995K, 932 Whelk Dr 3/3 now $1.249M, 2190 Starfish Ln 3/3 now $1.395M, 1525 San Carlos Bay Dr 3/2 now $1.695M, 6192 Henderson Rd 4/4 now $1.949M, 4649 Rue Belle Mer 3/2.5 now $2.595M.

3 new sales: 545 Piedmont Rd 3/2 listed at $595.9K; 673 East Rocks Dr 3/2 listed at $688,888; 1312 Par View Dr 3/2 listed at $695K.

No closed sales:


1 new listing: 4565 Bowen Bayou Rd $229,555.

No price changes, new sales, or closed sales.



3 new listings: Captiva Shores #4B 3/2.5 $1.495M, Beach Homes #6 3/3 $2.499M, Sunset Captiva #302 4/3 $3.275M.

No price changes.

1 new sale: Beach Homes #7 2/2 listed at $1.795M.

No closed sales.


1 new listing: 11506 Wightman Ln 3/3 $1.45M.

1 price change: 1121 Schefflera Ct 4/4.5 now $5.6M.

2 new sales: 11461 Old Lodge Ln 2/2 listed at $1.025M, 11500 Gore Ln 3/2 listed at $1.295M.

No closed sales.


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.

Thanksgiving wordsHappy Thanksgiving!

Susan Andrews, aka SanibelSusan

Friday the 13th on Sunny Sanibel

ShellsIt’s SanibelSusan, reporting another week of progress on sunny Sanibel Island. More storm debris piles have disappeared, more cars are on the roadways, many of the establishments closed in September have reopened, and the shelling continues to be fantastic.

Several of our listings had inquiries this week. Both teammate Dave and I have been out showing property, while teammate Elise’s report below of the action posted in the Sanibel/Captiva Islands Multiple Listing Service show that the only two Sanibel condo sales this week were at SanibelSusan Realty. You know we are thankful for that! Otherwise a slow week. The other island sales include two Sanibel homes and a single Captiva condo.Friday 13th

The island is experiencing periodic outages of both internet and phone service this afternoon, so this weekly update is short.

(Maybe related to Friday the 13th?).

Sanibel & Captiva Islands Association of Realtors\

Sanibel realtors logoAt the Thursday morning Caravan meeting yesterday at the islands’ Association of Realtors®, there were just a handful of new listings announced, but attendance was up with many affiliates and agents there.

Everyone is ready for “season” to begin.

Upcoming Events & Re-Openings

ding darling 2017“Ding” Darling Days – Beginning on Sunday, Oct 15, with “Free Family Fun-Day” including live wildlife presentations, a traveling learning lab, butterfly house, wildlife arts and crafts, free Wildlife Drive admission and tram tours, plus hot dogs. During all of next week, there are birding, biking, paddling, and boating tours, plus special daily programs. It wraps up next Saturday, Oct 21, with “Free Conservation Art Day” where attendees can meet Federal duck stamp artists and enjoy cartooning, nature photography, wood-carving demo. Free Wildlife Drive admission that day too. See full calendar of events at

Museum LogoSanibel Historical Village and Museum – Reopens Tuesday, Oct 17, and will be open Tuesdays through Saturdays from 10 a.m. to 4 p.m. Guided tours are at 10:30 a.m. and 1:30 p.m.

Water Quality Presentation – On Tuesday, Oct 24, from 10:30 to 11:45 a.m. hosted by the Environmental Awareness Committee of the Captiva Island Yacht Club. Panel presentation and discussion called “Sanibel-Captiva Current Beach Water Quality Issues”.

Captiva yacht clubPanelists include James Evans, Director of City of Sanibel’s Department of Natural Resources; Dr. Eric Milbrandt, Director of the Marine Lab at the Sanibel-Captiva Conservation Foundation; and Dr. Erhard Jones, an environmental engineer and professor emeritus at the University of Wisconsin.

Hallo’Tween 2017 – Twice the fun this year at ‘Tween Waters Inn with two parties in one night: Outdoors on the Captiva House Patio, with a DJ and indoors at the Crow’s Nest with dancing to the country and rock sounds of the Gatlins.Hallo Tween 2017

Annual costume contest at midnight with a $1,000 grand price, plus more cash prizes, and lots of ‘Tween Waters Inn gifts.

$10 admission at the door.

Sanibel & Captiva Multiple Listing Service Activity October 6-13, 2017

sancap GO MLS logoSanibel


4 new listings: Tennisplace #E33 2/1.5 $320K, Beach Road Villa #104 2/2 $473K, Sanibel Arms #F2 1/1 $499.9K, Loggerhead Cay #153 2/2 $919.9K.

No price changes:

2 new sales: Ibis at The Sanctuary #B102 2/2 listed at $449.9K (our Listing), Cottage Colony West #138 1/1 listed at $575K (our Buyer).

Ext Front

Ibis at The Sanctuary Building B



CCW 138

Cottage Colony West at Casa Ybel Resort


3 closed sales: Ibis at The Sanctuary #B201 2/2 $470K, Sanctuary Golf Villages I #6-2 2/2.5 $627K, Lighthouse Point #327 3/2 $815K.


8 new listings: 915 Palm St 3/2 $475K, 5292 Umbrella Pool Rd 3/2 $569K, 1550 Centre St 4/3 $715K, 9446 Beverly Ln 3/3.5 $899K, 5690 Sanibel-Captiva Rd 3/3 $996K, 1304 Eagle Run Dr 3/3 $1.2M, 529 Lighthouse Way 3/3 $1.295M, 1255 Isabel Dr $1.795M.

4 price change: 1710 Sand Pebble Way 3/2 now $659K, 1350 Middle Gulf Dr 3/3 half-duplex now $899.9K, 1743 Venus Dr 4/3.5 now $1.67M, 2167 Starfish Ln 4/4.5 now $2.195M.

2 new sales: 981 Sand Castle Rd 3/2.5 listed at $499K, 5305 Umbrella Pool Rd listed at $579K.

3 closed sales: 1311 Sand Castle Rd 3/2 $750K, 931 S Yachtsman Dr 4/3.5 $800K, 732 Windlass Way 4/3.5 $1.05M.


1 new listing: 1028 Bayview Dr $2.195M.

2 price changes:  Lot 27, Leisure Acres now $79.9K, 667 Birdie View Pt now $345K.

No new sales.

1 closed sale: 6159 Starling Way $610K.



No new listings.

1 price change:  Bayside Villas #5228 1/2 now $419.5K.

1 new sale: Beach Homes #8 3/2 listed at $2.625M.

2 closed sales: Tennis Villas #3118 1/1 $250K, Beach Villas #2517 1/1 $475K.


1 new listing: 38 Sea Hibiscus Ct 2/2 $1.049M.

No price changes or new sales.

1 closed sale: 11500 Chapin Ln 4/4.5 $1.65M.


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 weekend to all…

Susan Andrews, aka SanibelSusan

Island Life – Getting Back to Normal

It’s SanibelSusan, reporting that there has been good progress this week in getting the islands back in order post-Irma – with more owners returning, more summer projects wrapping up, and more tree debris removed from the sides of local roadways

Post Irma Recovery

Today is the 18th consecutive day of roadside debris collection with three huge trucks and one smaller one working systematically from one end of the island to the other. The latest report from the City said that sweeps will continue until every roadway (public and private) have been serviced twice. So far 40,000 cubic yards of what has been collected has been converted to mulch, with the City finalizing plans to offer it to the community free.

Yesterday bright-and-early, I was excited to have a claw truck removing the huge pile in front of my home. This is a long tedious process with piles growing and utility lines often hampering efforts, but the crew was careful and efficient.

FISH 2017 10 K raceBecause of the main debris collection site being on Island Inn Road, the City is working with F.I.S.H. to come up with an alternate route for the F.I.S.H. annual 10K fundraiser race which is scheduled for October 28. I got a call from Nicole McHale, 2017 F.I.S.H. Board of Directors Chair, asking if I could get Realtor® volunteers willing to work that morning, manning the route, particularly at driveways, to aide in runner and public safety. The call is out, with plenty of us already volunteering.

A little advice to those not back on-island yet, bring patience. Those looking for pressure/window washing contractors and screen repairmen will likely have a wait. I’ve heard that screening material now is in short supply, compounding the delay for some repairs. Last night, the local news reported that it may take months, if not years, for some cage work to be completed. Orange barricade fences are recommended where needed for safety.

I got a letter from my landscaper advising that they expect to have their customers’ properties back to normal by Christmas. So, we are thankful that island damage was minimal and look forward, with patience, to a warm and wonderful fall and winter season.

Sanibel Approves Budget; Irma Plays Big Role

santiva chronicleSanibel City Council met yesterday, below is the article posted this morning at “Santiva-Chronicle” on-line:

Sanibelcityseal logo“Sanibel will operate on a budget lower than last year in 2018 and it will include expenses from Hurricane Irma, higher beach parking rates and a 15% increase in the cost of a membership at the Recreation Center.

“The City Council gave final approval to the 2018 fiscal year budget at a special budget meeting at City Hall on Thursday, Oct. 5. Most of the budget details had been finalized in the council’s regular meeting and budget hearing on Oct. 3 and Thursday’s meeting was a formality.

“The city’s final approved budget total for fiscal 2018 is $60,033,596. It was prepared based on a millage rate of 1.9139, which is the same as last year.

“By everyone’s assessment, the City of Sanibel performed well before, during and after Hurricane Irma, which came through on Sept. 10. The massive post-Irma cleanup has been orderly, but it still goes on and it hasn’t come without a cost.

“Irma caused Sanibel to dip into its 2017 disaster relief money and that is reflected in the new budget’s beginning fund balance. The disaster reserves haven’t been restored to the 2017 level and the city anticipates that state and federal reimbursements might be a long process. The reserve for disasters is budgeted to be reduced from $4.5 million to $3.7 million due to Hurricane Irma recovery expenses.

“The budget hit from Irma is a one-time occurrence, but the city’s budget woes involving beach parking and the Recreation Center are lingering problems. The council addressed both in the meetings leading up to the final budget approval session.

“The deficit in the beach parking fund now sits at $1.8 million. At its regular meeting on Oct. 3, the council on a 4-1 vote raised the hourly beach parking fee from $4 to $5, raised the B decal for non-resident parking from $99 to $124 and the BC decal for non-resident parking with a boat from $198 to $248. The increase goes into effect Nov. 15.

“The gap to make ends meet for the Recreation Center in the tentative 2018 budget was $384,000. The cost of classes at the Recreation Center will not increase, but much is coming under the knife and membership fees are going up 15% following action by the council at the Tuesday budget meeting an in an emergency meeting Thursday just prior to the final budget hearing.

“Several citizens appeared at the Tuesday budget hearing and they were relieved when Mayor Kevin Ruane said at the top of the meeting that class prices at the Rec Center will not go up. None of them complained at the 15% increase the council arrived at after discussion.

“Ruane presented figures showing that the 15% increase will offset $105,000. He also gave figures for 5% ($35,000), 10% ($70,000), 20% ($140,000) and 25% ($175,000). Several times over the past few years Ruane has said that he believes the cost of a membership is a value not offered in other communities. Councilman Jason Maughan picked up on that theme at the Tuesday budget meeting. “We are below one-half where everyone else is,” Maughan said. “I say we raise it 25% and call it a day.” “Is there a sweet spot?” Councilman Chauncey Goss asked. Recreation Department Director Andrea Miller suggested that 10 to 15% would be a good compromise. The council decided on 15% by unanimous vote.

“The second reading and public hearing would have occurred at the Nov. 7 council meeting, but that was moved up to the emergency meeting Thursday, where it passed on a unanimous vote. Since it was an emergency action, the council is required to approve the increase through the normal process in the coming months. The effort to bring the Recreation Center back to financial fitness will also include cuts totaling $76,000 in operating expenses and $156,000 in staff reductions.

“The 2018 final budget adopted Thursday is 3.9% lower than the 2017 adopted budget of $62,468,100 and 8.43% lower than the 2017 amended budget of $65,302,567.

“While the millage rate remains the same as 2017, it will raise more tax dollars. Sanibel’s taxable property value for fiscal 2018 was assessed by the Lee County Property Appraiser at $5.05 billion, which is 6.17% higher than the final posted value in 2017.

“Ruane said Thursday that had it not been for Irma, the city could have gone to the rolled-back millage rate of 1.8132. All of the budget proceedings were to have taken place in September, but were pushed back to October by the passage of Hurricane Irma.”

Water Quality

West wind 2017-10-06.jpgPhoto above taken this afternoon at the beach in front of West Wind Inn. The beach is narrow and the water still churned up from recent rain and wind, but the water looks pretty typical for post-storm.

I had lunch yesterday with a Realtor® pal often involved in continued efforts locally to improve water quality. Many of you have seen the aerial photos showing the discolored water in the bay now. That really does happen whenever there is a big rainfall and dead vegetation is churned up, particularly in mangrove area. Now, exacerbated with Lake Okeechobee releases. According to this week’s report on

“As of October 2, 2017, the elevation of Lake Okeechobee was 16.47 feet. Click here to see the Current Level of Lake Okeechobee .  The Lake is currently within the Top of the High Sub-band of the Lake Okeechobee Regulation Schedule (LORS2008). The Lake level is currently 0.71 feet HIGHER than it was at this time last year and approximately 1.71 feet HIGHER than it was in 2015.

“Heavy rainfall associated with Hurricane Irma resulted in Lake Okeechobee levels rising dramatically during the past three weeks. This prompted the US Army Corps of Engineers to begin regulatory releases to the estuaries. Click here for links to weekly Caloosahatchee Conditions Reports.

“During this past week, flows at the Franklin Lock averaged 10,497 cfs, with approximately 57% of the flow coming from Lake Okeechobee. Average flows are currently more than three and half times the high-flow ecological harm threshold of 2,800 cfs establish for the estuary, resulting in very poor salinity levels throughout the estuary.

“Water clarity in San Carlos Bay and along Sanibel’s beaches are being impacted by runoff from the Caloosahatchee watershed and discharges from Lake Okeechobee. Click here to see an aerial of the current water conditions at Lighthouse Beach Park.

As my lunch friend said, it is probably inevitable that there will be a bloom of red tide this winter, if not sooner. Please stay involved in efforts to improve water quality. Red tide is a natural phenomenon, but it can be limited/prevented.\

Trump Signs NFIP Extension Into Law

NFIPOn September 8, President Trump signed a 3-month extension of the National Flood Insurance Program (NFIP) that was due to expire on September 30. The signed legislation also authorized $15.25 billion in emergency funding for disaster relief and rebuilding that includes $7.8 billion for victims of Hurricane Harvey.

The program now will remain in effect until December 8. The NFIP provides flood insurance to 5 million homeowners nationwide. Lenders require flood insurance in order to close on mortgage financing if the home is in a flood zone.

The National Association of Realtors® supports the 21st Century Flood Reform Act, H.R. 2874, which passed the House Financial Services Committee a few weeks ago. The bill would reauthorize the program for five years, encourage private insurers to enter the market, cap annual insurance premiums at $10,000, and grandfather existing rates for certain homes that are already covered and in compliance with building standards. It also would make money available for owners to elevate their homes or take other flooding precautions and enable communities to use flood mapping techniques that are more accurate than the government’s. The bill would make a number of other reforms, including improvements to the processes for owners who file a claim or want to submit an appeal. (For updates, go to )

36th Annual Taste of the Islands

crow 36th tasteC.R.O.W.’s (Clinic for the Rehabilitation of Wildlfe) 36th Annual Taste of the Islands will be held Sunday, November 12, at the Sanibel Community Park (across the street from SanibelSusan Realty). Gates open at 12 p.m. and close at 5 p.m. The event features live music and showcases Sanibel and Captiva Islands’ vibrant and diverse restaurant community. New this year, guests can meet CROW’s Animal Ambassadors in the Sanibel Community House.

Live entertainment will be provided by the LCEC Killa-Watts. This unique musical group started as a fundraiser a few years ago and has grown, benefiting many causes throughout the Southwest Florida community. The core Killa-Watts members have been true to the mission of making music, having some fun, and helping those in need by sharing their talent at little, or no cost to help raise funds for worthy causes. They have opened for Lee Greenwood for a Veterans fundraiser, played dozens of United Way and Chamber of Commerce events, and supported efforts to fight Cancer, Heart Disease, Diabetes, and many other worthy causes.

Admission to Taste of the Islands is $7 and children younger than 12 years of age are free. Guests purchase CROW Bucks to get their “tastes” from participating restaurants. Item prices range from one to six CROW Bucks. Admissions and CROW Bucks are available for purchase at the event and in advance through CROW’s website (click here to buy online) and can be picked up at the Will Call booth at Taste of the Islands. Proceeds from Taste of the Islands ensure CROW’s continued success in providing the highest quality care and treatment of injured, ill and orphaned wildlife through state-of-the-art veterinary care. Funds also support public educational exhibits in the Visitor Education Center. Healthy wildlife means a healthy environment for all of us. For more information about the 36th Taste of the Islands, please visit

SanibelSusan Realty Scoop

Not a lot of island real estate action this week, but we did get a few inquiries from Sellers thinking about listing for “season” and the roadways are getting busier, indicating they “are back” and inventory may increase.

Florida Realtors logoCommittee assignments for 2018 at Florida Realtors® came out this week. It looks like the old gal isn’t going to be retiring anytime soon. Committee work yields good business connections, so I am happy to serve on the state leadership team again next year. The Mid-Winter Business Meetings are the end of January, with my five committees all during a 2-day window, so it will be a quick trip to Orlando for me then. The other committee obligation in Orlando is during the annual governance meetings in August (that sure seems like a long way off, and appreciated that it’s in what’s typically a slow time here).

We are hopeful that the island will be busy this weekend with some folks celebrating a 3-day Columbus Day holiday. We’ll be working.

Sanibel & Captiva Islands Association of Realtors®

Sanibel realtors logoNo Association of Realtors® Caravan this week. The every-other-week schedule was revised to skip two weeks because of the Association’s annual meeting at the end of October. Next Thursday, we will have our new home listing in Gumbo Limbo on Caravan.

The action posted since last Friday in the Sanibel/Captiva Multiple Listing Service is below.

Sanibel & Captiva Multiple Listing Service Activity September 29-October 6, 2017



3 new listings: Lighthouse Point #217 3/2 $499K; Blind Pass #B207 2/2.5 $499,997; Plantation Village #312 3/2.5 $1.79M.

5 price changes: Blind Pass #E205 2/2.5 now $409K, Loggerhead Cay #463 2/2 now $519K, Snug Harbor #312 3/2 now $699K, Sand Pointe #215 2/2 now $719K, High Tide #C101 now $995K.

1 new sale: Sundial West #H406 listed at $789K.

3 closed sales: Sanibel Moorings #931 2/2 $490K, 1311 Sand Castle Rd 3/2 $750K, Royale Tern #103 3/3.5 $1.43M.


5 new listings9448 Begonia Ct 3/2.5 $699K (our listing), 585 Lake Murex Cir 3/2 $725K, 707 Cardium St 3/2 $899K, 6123 Starling Way 3/2.5 $1.2999M, 2915 Wulfert Rd 5/6.5 $3.4M.

1 price change: 8995 Mockingbird Dr 3/3.5 now $949K.

2 new sales: 655 Anchor Dr 3/3 listed at $749K, 2628 Coconut Dr 3/2.5 listed at $1.35M.

4 closed sales: 2150 Egret Cir 3/2 $505K, 9455 Beverly Ln 2/2 $525K, 587 Sea Oats Dr 3/2 $660K, 3364 Twin Lakes Ln 3/2 $670K.


1 new listing: 6411 Pine Ave $363.5K.

No price changes.

2 new sales: 2501 Wulfert Rd listed at $183.9K, 1026 Fish Crow Rd listed at $395K.

No closed sales.



3 new listings: Beach Villas #2523 1/1 $539K, Sunset Captiva #204 2/2 $1.249M, Beach Homes #18 4/3 $3.445M.

No price changes or new sales.

2 closed sales: Bayside Villas #4118 1/2 $337K, Lands End Village #1614 3/3 $2.3M.


No new listings.

1 price change: 15831 Captiva Dr 2/2.5 now $4.975M.

No new or closed sales.


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.

Enjoy your weekend!

Susan Andrews, aka SanibelSusan

Island Life After Irma

2017-09-11 beach2.jpg

Beach looking good 9/12/2017


SanibelSusan Team members were all back at their posts Monday morning and island life is returning to normal. Thanks to quick service by Dan from Tru-Clean, Inc. Carpet & Tile Care, our office carpet now looks better than it did pre-storm. 2017-09-19 TruClean

Local schools still don’t go back until Monday, with county education leaders now altering the school calendar to make up the 2+weeks lost. Both the Sanibel Recreation Center and the Sanibel Sea School provided free childcare programs this week for families working and assisting in recovery efforts.

As of the City’s Hurricane Irma report last night, just one reported property remains without power, while debris pickup continues. Roadside collections by claw trucks will be seven days a week beginning at 7 a.m. until all is removed. Some of the piles are huge, many reappearing as soon as debris is removed. Care, caution, and patience are needed traveling roadways and bike paths (most paths are not passable).

The Thurs City report also indicates that inspections of the public canals have been completed. The private canals are next, as the City finalizes plans for removing canal storm debris. They are thinking of everything.

If any good comes from an event like this, it’s the amazing comradery – neighbors helping neighbors & helping strangers too. We all owe a debt of gratitude to City workers, utility crews, and the many contractors that have come from near and far to assist in making homes and businesses livable again. The lessons learned from Hurricane Charley probably assisted in making this recovery smooth.

Thank you, Mayor Ruane, City Council, City Manager Zimomra and staff. With power back on and us again able to watch the news, many areas in Florida are not as fortunate as Sanibel. I sure am glad I live here.

SanibelSusan Realty Associates

2017-09-12 Office

Open & ready for business 09/12/17

Here at the office, we still are working on getting a sale closed that was scheduled on the Friday before the storm. Fingers crossed that it happens on Monday. The two offers that were in negotiations pre-storm didn’t make it, but I’m hoping to fan some life into them as recovery here continues.


Our new listing at Sunset South was open yesterday morning for Realtor® Caravan and we have had a few inquiries and showings this week too. The action posted in the Sanibel and Captiva Islands Multiple Listing Service since Sept 1 are posted after a couple of news items below.

(Note this activity covers a 3-week period, since we were without internet service the last two Fridays. Pretty slow real estate market during those weeks, just one new sale, a Sanibel condo. No sales on Captiva.)

Sanibel & Captiva Islands Association of Realtors®

Monthly Membership Meeting

Yesterday morning was the September Membership Meeting for the islands Association of Realtors®. Plenty of affiliates, sales associates, and brokers were in attendance to share post-Irma experiences and to hear guest speaker, Maggi Feiner, President and CEO of F.I.S.H. of SanCap.

2017-09-21 Maggi

Maggi Feiner speaking at the Assoc 09/21/17

F.I.S.H. is a unique comprehensive human-services organization focused for over 30 years on “neighbors helping neighbors” on Sanibel and Captiva Islands. Their mission is to lend a helping hand to those who live, work, and visit here. Their vision is to enrich the lives of those on the islands through an array of food programs, island-based workshops, and social services. Their many different programs, services, and workshops, are supported by full-time social workers, administrative professionals, and a team of volunteers.


Maggi shared some F.I.S.H. statistics from 2016 when they had 14,399 requests for help and provided assistance to 2,272 individuals. Most island needs or the individuals most at-risk and needing help are youth and seniors. The F.I.S.H. backpack program operates not just when schools are in session, but 52 weeks a year. They also offer after-school education, and one-on-one tutoring. They help with those needing eyeglasses too and their partnership with Sanibel Rec offers summer assistance.

Maggi advised that 53% of F.I.S.H. funding comes from individual donations, 27% comes from grants. She thanked Association members for their continued contributions, food donations, our recent Meals-of-Hope food-packaging event, their support for the annual “10K Race 4 F.I.S.H.” (coming up Oct 18) and F.I.S.H. Celebration, and for volunteering.

Toiletries for Hurricane Irma Victims

 Yesterday afternoon Sanibel/Captiva Islands Association of Realtors® staff and members of my Communications/Public Relations Committee bagged up donations that the Assoc had collected pre-Irma. We prepared 130+individual gallon zip-lock bags each with an assortment of toiletries, hair and shaving products, flashlights/batteries, socks, first aid and sewing kits, & more. In combination with food, water, and paper goods, also collected by off-island Realtors® and their friends, it all will be delivered to Hurricane Irma victims.

2017-09-21 Assoc.jpg

Big thank you to all who contributed and Realtor® helpers Deb Gleason, Kelly Huguenin, and Cathy Lewis, our Assoc Executive/CEO Bill Robinson and MLS Director Matt Alston. Realtor® Jay LaGace with LaGace Partners, ReMax Realty Team, Cape Coral coordinated efforts and provided a drop-off point with multiple vehicles and trailers to deliver the goods.

Hurricane Irma Strikes Refuge

ding darling goose logoThe following two articles are from the “Ding” Darling Wildlife Society Newsletter dated Sep 14, 2017:

“Hurricane Irma struck a lighter blow (reported winds of up to 80 mph) than expected to Sanibel Island on September 10. Extensive vegetation damage on Wildlife Drive and Calusa Shell Mound Trail will keep the

Refuge closed for an undetermined length of time, reports Supervisory Refuge Ranger Toni Westland. “It will take days with our limited staff, but it will make us stronger,” she said.

“Toni added that the storm seems to have had little impact on Refuge wildlife. “Hurricanes are a natural phenomenon, and wildlife has adapted,” she said. “Habitat and animals typically rebound quickly, and nature reconstructs in a hurricane’s aftermath. However, research is showing that as storms continue to increase in intensity, it will affect wildlife’s ability to bounce back.”

“She noted that the damage was much lighter and the recovery quicker at the Refuge and island than with Hurricane Charley in 2004. “That’s thanks to the removal of Australian pines and other exotics after Charley,” Toni said. “That’s why it’s so important to preserve mangroves and plant other native vegetation built to weather hurricanes.”

“For updates on the Refuge’s recovery progress, please monitor the official Refuge Facebook page.”

ding-ddlogo16“Ding” Darling Days STILL On – October 15-21, 2017

The Refuge plans to keep its annual “Ding” Darling Days eco-festival on track for October 15-21. CLICK HERE for a calendar and other details.

“Did you know? Mangroves have the potential to reduce wave and wind energy by 50%-75%. The J.N. “Ding” Darling National Wildlife Refuges is home to one of the largest undeveloped mangrove ecosystems. Mangroves not only ‘anchor’ an island down (and prevent erosion) during storms and high waves, but they also provide a safe place to shelter for many different species of wildlife. Natural and wild places are critical for communities to recover after a hurricane so that flooding can be absorbed by nature.”

Re-openings, Temporary Closings & More

Funny how fast September flew by this year. Already some of the places that closed for summer breaks, employee vacations, deep cleans, remodeling, etc. are reopening. Here’s a partial list…

Island Cow – had kitchen roof damage. Working on repairs now.

Island Pizza – continuing with their planned remodeling, so temporarily closed.

Open signOver Easy Café – reopened today. Open 7 days a week from 7 a.m. to 3 p.m. for breakfast and lunch.

The Pecking Order – stayed open through the storm & will continue their lunch special from 11 a.m. to 2 p.m. all of Sept.

Sanibel Farmers Market – still scheduled to reopen on Oct 1 on the grounds of City Hall from 8 a.m. to 1 p.m. For info on the other eight markets reopening in the Lee County, go to

Sanibel Fresh – serving breakfast 8 a.m. to 11 a.m. Lunch from 11 a.m. to 4 p.m.

Traditions on the Beach – is open this month, Mon through Sat from 4 p.m. until late.

Sanibel & Captiva Multiple Listing Service Activity September 1-22, 2017

sancap GO MLS logoSanibel


1 new listing: Sundial West #K105 2/2 $897.5K.

No price changes.

1 new sale: Sanctuary Golf Villages I #5 2/2.5 listed at $699K.

No closed sales.


5 new listings: 887 Casa Ybel Rd 5/3 duplex $575K, 1312 Par View Dr 3/2 $695K, 419 Lighthouse Way 4/3 $797.5K, 6412 Pine Ave 3/3 $1.295M, 1152 Buttonwood Ln 3/3.5 $1.499M.

4 price changes: 673 East Rocks 3/2 now $698K, 698 Spartina Ct 3/2 now $770K, 1043 Sand Castle Rd 3/2 now $850K, 789 Pyrula Ave 3/3 now $1.095M.

No new sales.

3 closed sales: 982 Main St 3/2.4 $465K, 519 Lagoon Dr 4/2 $800K, 1137 Golden Olive Ct 5/3.5 $1.5925M.


1 new listing: 761 Donax St $279.9K

No price changes, new, or closed sales. 



No new listings, price changes, or new sales.

1 closed sale: Bayside Villas #5136 1/2 $310K.


Nothing to report.

(This representation is based, in whole, or in part, on data supplied by the Sanibel & Captiva Islands Association of Realtors® or its 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 general real estate activity in the community and does not imply that SanibelSusan Realty Associates is participating or participated in these transactions.)

2017-09-11 Beach.jpg

The welcoming committee – ibis trio – at the Fulgar St beach access on 9/12/17


Until next Friday, let’s not hear about any more hurricanes!

Susan Andrews, aka SanibelSusan