It’s a Tropical October on Sanibel & Captiva!

It has been another beautiful sunny Friday on Sanibel after a few cloudy rainy days earlier in the week – from more tropical waves passing through SW Florida. Those were a reminder that hurricane season runs through the end of November, though this time of the year sunny afternoons start outnumbering the rainy ones. (Photos here taken yesterday by JMA Photography for our new listing at Mariner Pointe #411, ground-level bayview 3 bedroom.)

Sanibel & Captiva Islands Association of Realtors®

The Sanibel & Captiva Islands Association of Realtors® continues to be physically closed for group gatherings, but at our monthly Zoom membership meeting yesterday, we heard insurance updates from two affiliate members: David Arter with Private Client Insurance Services and Chris Heidrick with Heidrick & Co. Insurance & Risk Management Services. I took a few notes, though some of the news was not the best.

Chris Heidrick in discussing flood insurance reminded that all properties located in AE or VE flood zones that get a mortgage will need flood insurance as a loan requirement. The coverage must be enough for either replacement cost, $250K, or the amount of the loan. Regarding condominium master flood insurance policies, he said associations may buy a master policy that also covers the individual units (up to a maximum of $250K/unit). These do not cover contents. However, many (most) associations do not buy this additional coverage or up to the $250K/unit allowed, so buyers getting a loan need to be prepared to pay for supplemental or enough coverage to satisfy their loan.

In 2014, occupancy also became a factor in the cost of flood insurance. Grandfathering does not apply to occupancy, but basically a property that is owner occupied and not rented at all will pay a lower flood premium.

Properties build pre-FIRM (or before there were area Flood Insurance Rate Maps) may see increases as much as 25%. Pre-FIRM on Sanibel is property constructed before April 1975, before October 1984 on Captiva. With many flood insurance policies assumable, Realtors® were advised to get the insurance carrier and policy information from a seller when a property is listed.

Area flood maps also are in the process of being changed. The new preliminary maps show many VE areas (those with highest premiums) changing to AE (also a velocity zone, but less expensive as rated with less chance of flooding). This map change process takes time with the new maps likely not resulting in rate reductions for a year or two. (You can view these maps and look up your property at Be sure and check, you may be surprised to see that a property is, or will soon be, eligible for a reduction.

Further regarding flood insurance, Chris advised that beginning in October 2021, properties will no longer be rated based on flood map or flood zone, but rather on a system called “Risk Rating 2”. This system rates a property based on its risk factors like type of construction/structure, actual elevation, proximity to water, etc. Flood maps will still be needed but will not determine the premium amount.

David said that up until about 2018, insurance providers were looser with their underwriting requirements. As an example, prior to that time, a shingle roof that was 15 years old was acceptable, sometimes even those 18 years old, provided they had three years of life left.

Today, with so many storm payouts since then, often because of lawsuits from 3rd party insurance assignees, and Florida paying for the brunt of the claims, a single roof that is less than 10 years old now may be required. Premiums are increasing from 5% to as much as 30-40% (yikes).

Underwriting requirements are tighter with the best rates for properties built in 2014 or newer. For older properties, David’s advice is to mitigate them. Replace the roof, get opening protection (impact glass, shutters, on every opening), and ensure your roof has hurricane clips with three nails. (There are even local companies that specialize in this third nail.)

For new listings, Realtors® were advised to get the Wind Mitigation Report (in addition to the Elevation Certificate). Quizzed on what roof is best, David’s answer was “metal”, provide it meets 2001 building code.

David acknowledged that Florida Realtors® using RPAC dollars was instrumental in the recent reform on Assignment of Benefits, but more change is needed. Those legislative actions take time, with continued torte reform action needed.

RPAC Update – With a few weeks remaining in 2020, even with the many obstacles this year, the Sanibel & Captiva Islands Association of Realtors® already has raised over 400% of their RPAC goal. Always looking to get 100% participation from our members, there may be another push to get more contributors. Including from our RPAC Auction last week, over $22K has been raised this year – all to go toward preserving and protecting real estate and property rights. Congratulations to the two successful bidders that won SanibelSusan’s lobster dinners.

Sanibel & Captiva Islands Real Estate Statistics

As we work through the last quarter of the year, it is interesting to see how the market had rebound from those COVID weeks/months of lockdown. The benefits of island living are now more appreciated than ever. The below data as of today, proves it. Shown are the number and average price of the properties for sale now, those under contract, and those that have already sold and closed this year. Also shown are the statistics 2019 (in total) and the island often-referenced most recent “peak” year or 2006.

Condos Homes Lots All Residential
# Avg Price # Avg Price # Avg Price # Avg Price
For Sale 98 764,405 82 1,882,465 53 848,512 233 1,177,245
Under Contract 38 933,834 53 964,097 11 406,686 102 892,709
Sold 2020 thru 10/23 128 719,381 219 956,023 14 628,419 361 859,411
Sold in 2019 127 694,392 211 949,790 15 372,200 353 833,361
Sold in 2006 143 866,972 156 1,143,682 18 523,917 317 983,665
For Sale 24 1,517,500 32 4,129,281 3 4,580,000 59 3,089,779
Under Contract 13 558,607 7 2,390,285 1 5,899,000 21 1,423,471
Sold 2020 thru 10/23 29 891,070 18 2,945,666 2 1,925,000 49 1,688,021
Sold in 2019 29 1,037,077 17 2,737,503 1 1,375,000 47 1,659,315
Sold in 2006 21 1,362,476 10 2,307,375 4 2,218,750 34 1,737,669

Note: Avg Price – shown in italics above for the properties “Available” & “Under Contract” – is average asking price.

The representation is based on data supplied by the Sanibel & Captiva Islands Association of Realtors® Multiple Listing Service. Neither the author nor the Association guarantees or is in any way responsible for its accuracy.

The statistics show that more property has already sold (and closed) on the islands that in all of last year, with inventory low today, particularly for Sanibel homes. With homes, the entry-level and mid-range ones are moving best, while with Sanibel condos, it is the larger more residential variety that are the top sellers.

With last quarter usually when island sales pick up, it will be interesting to see what the next few weeks bring, particularly after the election which often creates a hiccup while voters are distracted. Seems the many distractions this year, including the pandemic have served to make island real estate more desirable. Fingers crossed that the investment variety with rental bookings start moving next, those usually follow residential sales.

City of Sanibel – Emergency Declaration, COVID-19

Again, this week, Sanibel’s Mayor extended the declared state of emergency due to COVID-19 until October 27, 2020, unless further extended. (Per State Statute, the maximum duration for a Mayoral Declaration of Emergency is seven days and thus must be updated weekly as the emergency exists.) Additionally, the City face covering mandate was reaffirmed and remains in effect through the period.

Per the Florida Department of Health, Sanibel’s total accumulative number of COVID-19 cases since March 26 is 60. (There were just 50 cases during the initial six months, but there have been ten since the first of this month. Please stay vigilant – continue social distancing, hand washing, mask wearing, and avoid group gatherings.)

Help the Gopher Tortoises

The City of Sanibel Department of Natural Resources encourages participation in the Florida Fish and Wildlife Conservation Commission (FWC) tortoise conservation efforts. FWC launched a new interactive web application that functions on any device and records sightings. Click here to learn more and report a sighting.

Sanibel has a sizeable population of gopher tortoises and is listed as a threatened species and is protected by both state and local laws. Gopher tortoises are long-lived reptiles that occupy upland habitat throughout Florida. They did deep burrows for shelter, forage on low-growing plants, and share their burrows with more than 350 other species (therefore, referred to as a keystone” species) Gopher tortoises must be relocated before any land cleaning or development takes place, and property owners must obtain permits from the FWC before capturing and relocating tortoises.

The gopher tortoise is one of five North American tortoise species and is the only tortoise naturally found east of the Mississippi River. Its range includes from southeastern Louisiana east to southern South Carolina, and south to Florida, where they are found in all Florida counties.

It is a moderate-sized terrestrial turtle, averaging 9-11” in length when fully grown, though can reach up to 15”. It is identifiable by its stumpy elephantine hind feet and flattened shovel-like forelimbs covered in thick scales. Hatchlings (less than a year old) and juvenile tortoises tend to be yellow-orange and brown in color, but the bright color fades with age. The shell of an adult gopher tortoise generally is tan, brown, or gray.

They can live 40-60 years in the wild, though captive tortoises may live 90+years. The breeding season occurs between March and October. Females typically lay one clutch of 5-9 ping-pong ball-sized eggs per year with eggs deposited between May and July. They nest in open sunny locations frequently with a soft mound of sand at the entrance of their burrow (called a burrow apron). Egg incubation lasts 80-110 days with hatchlings emerging between August and November.

The life of a gopher tortoise revolves around its burrow where they spend 80% of their time. Burrows average 15’ long and 6.5’ deep, though have been documented reaching up to 40’ long and 10’ deep. The burrows help to regulate their body temperature, offer shelter from predators, and serve as refuge for other species including burrowing owls, Florida mice, indigo snakes, rabbits, gopher frogs, and more.

If you see a tortoise crossing a busy road, FWC grants permission to move it across the road in the same direction it was headed if it is safe for you to do so. Do not move the tortoise to another location or put it in a cage as this constitutes illegal possession.

To protect the community gopher tortoises and their habit, Sanibel property owners can:

  • Plant native vegetation for them to feed on.
  • Maintain open areas by trimming back woody vegetation that can “shade out” gopher tortoise burrows.
  • Leave existing gopher tortoise burrows undisturbed.

Sanibel & Captiva Islands Multiple Listing Service Activity October 16-23, 2020



5 new listings: Sanibel Arms #C5 2/2 $499K, Signal Inn #10 1/1 $529K, Sanibel Arms West #K7 2/2 $562.5K, Sundial #G204 2/2 $749K, Sundial #O405 2/2 $1.25M.

3 price changes: Seawind #A108 2/2.5 now $527K, Sandpiper Beach #205 2/2 now $815K, Pelicans Roost #106 2/2 now $959K.

6 new sales: Sanibel Arms #B1 1/1 listed at $419K, Sundial #F205 1/1 listed at $419K, Loggerhead Cay #332 2/2 listed at $549K, Somerset #A101 3/2.5 listed at $1.7M, Sanibel Sunset #201 3/2 listed at $2.195M, High Tide #B302 3/2 listed at $2.295M.

No closed sales.


2 new listings: 915 Fitzhugh St 4/2.5 $945K, 685 Sea Oats Dr 3/2 $1.1425M.

4 price changes: 1684 Bunting Ln 2/2 now $519,555; 2001/2003 Mitzi Ln 6/6 duplex now $899K; 9426 Sage Ct 3/3 now $1.039M; 5439 Osprey Ct 4/3 now $1.769M.

8 new sales: 1001 East Gulf Dr 2/2 listed at $639K, 731 Durion Ct 3/2 listed at $737K, 543 Boulder Dr 3/2 listed at $799K, 1860 Ibis Ln 5/3 listed at $895K, 770 Elinor Way 3/2.5 listed at $899K, 549 East Rocks Dr 3/2.5 listed at $1.095M, 2957 Wulfert Rd 4/4.5 listed at $1.525M, 1133 Golden Olive Ct 3/3.5 listed at $2.269M.

7 closed sales: 1797 Serenity Ln 2/2 $430K, 5151 Sanibel-Captiva Rd 2/2 $447K, 915 Main St 2/1 $450K, 1031 Sand Castle Rd 3/3 $695K, 1671 Hibiscus Dr 5/3 $1.05M, 676 Gopher Walk Way 4/5 $1.4445M, 2323 Starfish Ln 4/4 $2.415M.


1 new listing: 2933 Wulfert Rd $359K.

No price changes.

1 new sale: 5627 Baltusrol Ct listed at $289K.

1 closed sale: 9226 Kincaid Ct $122K.



1 new listing: Sunset Beach Villas #2314 2/2 $779K.

1 price change: Lands End Village #1634 3/3 now $2.345M.

2 new sales: Bayside Villas #5136 1/2 listed at $399K, Beach Villas #2525 2/2 listed at $760K.

3 closed sales: Bayside Villas #5110 1/2 $350K, Bayside Villas #5304 3/3 $639K, Captiva Shores #C6 2/2 $1M.


No new listings or price changes.

1 new sale: 11515 Gore Ln 5/4.5 listed at $2.395M.

No closed sales.


No new listings, price changes, new or closed sales.

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.

Below is our ad from today’s “Island Sun”.

Until next Friday, Susan Andrews, aka SanibelSusan

Memorial Day Weekend 2015 on Sanibel/Captiva Islands

It’s already another Friday with Sanibel and Captiva Islands gearing up for a holiday weekend. Our phones at SanibelSusan Realty have been quiet today, but those coming from off-island this morning remarked that there were families staking out spots on the causeway as early as 7:30 a.m.

Below are a couple of cell phone photos snapped this afternoon. It’s that time of the year when the sky is bright blue and the gulf is bright blue-green – gorgeous! These were taken at the Fulgur Street beach access between Compass Point and Sanibel Siesta.

At SanibelSusan Realty Associates

SANSLogoOur listings had few inquiries and showing requests this week, probably related to a slowdown in traffic, but with a home closing on Monday, us assisting clients in town doing due diligence and inspections, and another closing coming up early next week, we have stayed busy.

Teammate Dave has heading out to show a condo, while Elise finalizes her weekly report of the activity posted in the Sanibel & Captiva Islands Multiple Listing Service which follows some news items below.

SanCapAssnLogoWednesday was the annual island Association of Realtors® RPAC fundraiser at The Sanctuary. Dave played in the afternoon golf scramble, while I attended the event after work which included both silent and live auctions.

rpacTalley in process for total funds raised. I know my checkbook has another good dent in it. The Sanibel/Captiva goal is to win five of the five state awards this year.

Because of the RPAC event, there was no caravan yesterday, but there will be one next week. Always interesting this time of the year to see if there are any new listings. We have one in the works.

Save Sea Turtles

Sanibelcityseal logoIt is sea turtle nesting time, so worth a repeat of the below info that was contained in a May 1, 2015 flier that accompanied City mail last week:

“Turn Off Lights & Close Curtains/Blinds After Dark – Hatchling sea turtles are guided to the ocean by an instinct to travel away from the dark silhouettes of the dune vegetation and toward the brightest horizon – light from the sky reflecting off the ocean. Artificial light near the beach can deter females from nesting and disorient hatchling sea turtles. Most hatchlings that wander inland die of exhaustion, dehydration or predation. Local ordinances in effect year-‘round prohibit BOTH interior and exterior lights from illuminating the beach.

“PROBLEM: Interior lighting sources including chandeliers, lamps, and other fixtures that are visible from the beachfront. Unshielded interior lighting, even from just a single beachfront condominium, resort unit, or residence, is enough to disrupt the normal sea-finding behavior of sea turtle hatchlings. SOLUTION: Close curtains and blinds or turn off lights after dark.

“PROBLEM: Exterior lighting sources including flood lights, porch, ceiling fan lights, parking area lights, and other fixtures that are visible from or directly, indirectly, or cumulatively illuminate the beach. SOLUTION: Shield or turn off outdoor lights near or facing the beach. Replace the light source with a low-wattage yellow or amber bulb.

“PROBLEM: Portable lighting sources including flashlights, lanterns, or flash photography. SOLUTION: Avoid using flashlights, lanterns, or flash photography while on the beach at night. Cover the lens of your flashlight with red cellophane to make it less disruptive to sea turtles.

“For more information regarding sea turtles on Sanibel or the City’s beachfront lighting regulations, please visit the City’s website at….”

Sea Turtles & Gopher Turtles – Big Difference

Facebook logoWith so much in the news about sea turtle nesting, it was with interest that I saw the following posting this week on the Facebook group page called “Beautiful Sanibel Island”.

I messaged the author, Kelly Everette Householder, who agreed to share her thoughts here too. Thank you, Kelly!

“Friends of this page – I want to relate a story that happened on the beach yesterday. My husband and I were sitting in our chairs at the water’s edge just enjoying the day. There was a small commotion behind us. There was a kind old gentleman who had found a “turtle”. He placed it at the waters edge but it tried to crawl toward the beach so this man thought to “help” the turtle by carrying it out past the second sandbar and letting it go.

“Although we did not get a good look at the animal, we became convinced that it was not a sea turtle but instead a small tortoise. The man returned from his rescue and walked off down the beach. My husband and I and another family watched as this “turtle” floated and swam. My husband swam out and got him and brought him back to the beach. Sure enough it was a gopher tortoise as we had suspected. Hubby took him over the dunes and released him back to his habitat.

“I post this to educate people the difference between a tortoise and a sea turtle. The biggest difference that is obvious is sea turtles have flippers (or fins) while land turtles have claws for digging. (See pictures below. Sea turtle in top photo, gopher tortoise on bottom.) Other differences include shape of the shell and color. I know this man thought he was doing a good deed but we should all remember that wildlife does not first and foremost need our human help except in rare instances such as what my hubby did. If you see an island animal in danger please call the authorities (i.e. C.R.O.W., or even the Sanibel Police Dept).

sea turtle

gopher turtle

“We have been coming to this island for 22 years and have raised our children to love and respect the wildlife here. I’m saddened by several things I have seen on this trip. A man sailing sand dollars like Frisbees and a young mother who swatted a young child’s hand after he picked up a tiny crab to show her. We have seen people leaving the poles to their umbrellas on the beach overnight and even after being tagged for it continuing to do so. I guess they thought they were special and did not have to follow the laws that the rest of us follow every day. And finally, the people who came from the public park next to our complex and set up camp at the end of the beach in front of our building and proceeded to help themselves to our pool. I have been amazed and disheartened by the lack of respect to nature and mankind in general.

“I’m not sure all the awards and advertising is a good thing for our island sanctuary. This truly is not a beach for everyone. If you are looking for white, pristine beaches with absolutely nothing on them but people please go to one of the many other beaches in Florida that can accommodate the average beach-goer.

“Please come to Sanibel to enjoy the preserved and as unspoiled as possible flora and fauna that we all appreciate so much. Keep in mind that our beaches have many, many shells that can hurt your feet. There are shell casings, driftwood and numerous washed up items on the beaches. Our beaches are not groomed to look like a perfect photograph. We find that real nature provides a much more beautiful picture. Enjoy it but leave only footprints!”

Summer Vacation Bookings

vip_logo_115At lunch today with pal David Schuldenfrei and his wife, Roberta, we talked about how our business stayed busy longer this year and how this is the first week that the phones have noticeably stopped ringing. David manages VIP Vacation Rentals and sells real estate here too. He remarked with another “first” when he said, “Of VIP’s many weekly vacation rental properties, fewer than 35 are available for any week between now and the end of August.” With schools not out yet, he said that is a new record, probably related to the recent announcement that Sanibel is the nation’s top family vacation destination.

Soooo, if you know anyone looking for a vacation rental here this summer, better suggest that they get those reservations made now!

City of Sanibel Hurricane Seminar for 2015 Season

Sanibelcityseal logoNext Friday, May 29, from 1 to 3 p.m., the City of Sanibel will sponsor the 2015 Hurricane Seminar to educate residents, property owners, business owners, and island workers. The seminar is free and will be held at BIG ARTS at 900 Dunlop Road. Sanibel hurricane re-entry permits will be available for residents and businesses. For requirements, visit the Police Department section of the City website (The 2012 hurricane re-entry passes still are valid and in use.)

Economists Revise Housing Forecasts

realtor logoHere is a little change in the forecast as posted today on Realtor®Mag’s “DAILY REAL ESTATE NEWS” on line:

FannieMaeLogo“Economic growth is expected to moderate for the rest of the year, but housing is one sector that is expected to post solid gains, according to Fannie Mae’s newly released report from its Economic & Strategic Research Group.

FreddieMacLogo_3“Economists with mortgage giant Freddie Mac also released a report this week revising housing forecasts upward for the remainder of the year. Economists expect that with tight for-sale inventories home prices will rise 4.5% this year, revised up from 4% in a prior report.

“”The labor market has added 5 million additional jobs, the unemployment rate is significantly lower, and housing markets are generally in much better condition than two years ago,” says Len Kiefer, deputy chief economist at Freddie Mac.

“Fannie Mae economists note that mortgage applications for home purchases –a gauge of home sales — have moved up consistently for the past couple of months.

“”While refinance applications have recently pulled back, the actual volume of both purchase and refinance originations earlier in the year came in stronger than we had projected,” says Doug Duncan, Fannie Mae’s chief economist. As such, Fannie Mae economists have raised their mortgage origination forecast to $1.46 trillion for this year

“”We are seeing positive developments in the housing space, supporting our forecast of moderate but broad-based improvement in 2015 compared to last year,” Duncan says.

“The wild card for the market may be what happens with mortgage rates in the next few months. Low mortgage rates have helped to keep homebuyer affordability high in the first quarter of this year, but housing markets will likely see an increase in interest rates for the remainder of year, Freddie Mac economists note.

“”For the remainder of this year, we’re likely to continue to see these mortgage rate swings as market participants try to anticipate Fed timing around rising short term interest rates,” says Kiefer. “Unfortunately, perspective home buyers may experience bouts of affordability shock in many housing markets. So far it’s been low mortgage rates that have helped to keep homebuyer affordability strong in the face of rising house prices, while income growth remains stagnant.””

Sanibel & Captiva Multiple Listing Service Activity May 15-22 



4 new listings: Sundial #B408 1/1 $465K, Island Beach Club #F230 2/2 $649K, Sandalfoot #4C3 2/2 $699K, Junonia #210 3/2 1.195M.

3 price changes: Sanibel Arms #E7 1/1 now $339K, Sanibel Arms #F2 1/1 now $639K, Seascape #301 3/3 now $1.28M.

4 new sales: Duggers #2 1/1 listed for $329K, Sundial #H109 1/1 listed for $339K, Sundial #J401 1/1 listed for $499K, Sandpiper Beach #504 2/2 listed for $669K.

6 closed sales: Captains Walk #A2 1/1 $205K, Sealoft Village #105 2/2 $450K, Nutmeg Village #304 2/2 $600K, Sanibel Surfside #211 2/2 $759K, Lantana #102 4/3.5 $1.325M, Seascape #105 3/3 $1.75M.


2 new listings: 2451 Blind Pass Ct 3/4.5 $2.41M, 1238 Isabel Dr 5/3/3 $3.97M.

5 price changes: 450 Lake Murex Cir 3/2 now $539K, 9032 Mockingbird Dr 3/2 now $598.9K, 987 Sand Castle Rd 4/3.5 now $675K, 420 East Gulf Dr 3/3 now $709K, 1065 Fish Crow Rd 2/2 now $749.9K.

3 new sales: 2407 Shop Rd 2/1 listed for $299K, 1409 Causey Ct 3/3 listed for $599K, 4203 Dingman Dr 4/3 listed for $2.695M.

12 closed sales: 1452 Sandpiper Cir 2/2 half-duplex $320K, 868 Rabbit Rd 3/2 $350K, 659 Donax St 2/2 $475K (our Seller), 3168 Twin Lakes Ln 3/2 $530K, 603 N Yachtsman Dr 3/2 $640K, 8999 Mockingbird Dr 3/2 $755K, 228 Hurricane Ln 3/2.5 $775K, 395 Old Trail Rd 5/4 $800K, 1056 Sand Castle Rd 3/2 $835K, 190 Violet Dr 3/2.5 $995K, 1138 Harbour Cottage Ct 3/2.5 $1.05M, 2720 Coconut Rd 3/3.5 $1.5M.


No new listings.

1 price change: 1304 Eagle Run Dr now $219K.

1 new sale: 3354 Barra Cir listed for $319K.

3 closed sales: 1332 Eagle Run Dr $242.5K, 643 East Rocks Dr $300K, 2494 Blind Pass Ct $600K.



No new listings.

2 price changes: Beach Villas #2322 1/1 now $499K; Captiva Bay Villas #B 3/3.5 now $1,895,555.

No new sales.

2 closed sales: Sunset Beach Villas #2237 2/2 $670K, Sunset Beach Villas #2335 3/3 $755K.


No new listings.

1 price change: 16464 Captiva Dr 8/8.5 now $7.699M.

1 new sale: 1131 Longifolia Ct 4/4 listed for $3.69M.

No closed sales.


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.

Happy Memorial Day Weekend to all! Susan Andrews, aka SanibelSusan

memorial day