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First-Time Home Buyers

If you are a first-time home buyer, use the guide below for helpful hints and tips and learn how to avoid common mistakes when buying your first home in Tampa Bay, FL.

  • Pre-Qualification: Meet with a mortgage broker and find out how much you can afford to pay for a home.

 

  • Pre-Approval: While knowing how much you can afford is the first step, sellers will be much more receptive to potential buyers who have been pre-approved. You’ll also avoid being disappointed when going after homes that are out of your price range. With Pre-Approval, the buyer actually applies for a mortgage and receives a commitment in writing from a lender. This way, assuming the home you’re interested in is at or under the amount you are pre-qualified for, the seller knows immediately that you are a serious buyer for that property. Costs for pre-approval are generally nominal and lenders will usually permit you to pay them when you close your loan.

 

  • List of Needs & Wants: Make 2 lists. The first should include items you must have (i.e., the number of bedrooms you need for the size of your family, a one-story house if accessibility is a factor, etc.). The second list is your wishes – things you would like to have (pool, den, etc.) but that are not absolutely necessary. Realistically for first-time buyers, you probably will not get everything on your wish list, but it will keep you on track for what you are looking for.

 

  • Representation by a Professional: Consider hiring your own real estate agent, one who is working for you, the buyer, not the seller.

 

  • Focus & Organization: In a convenient location, keep handy the items that will assist you in maximizing your home search efforts. Such items may include:
    1. One or more detailed maps with your areas of interest highlighted.
    2. A list or file of the properties that your agent has shown to you.
    3. Paper and pen for taking notes as you search.
    4. A camera to snap pictures of homes you have toured to help you remember your favories and features you really liked.

 

  • Visualize the house empty & with your decor: Are the rooms laid out to fit your needs? Is there enough light?

 

  • Be Objective: Instead of thinking with your heart when you find a home, think with your head. Does this home really meet your needs? There are many houses on the market, so don’t make a hurried decision that you may regret later.

 

  • Be Thorough: A few extra dollars well spent now may save you big expenses in the long run. Don’t forget such essentials as:
    1. Include inspection & mortgage contingencies in your written offer.
    2. Have the property inspected by a professional inspector.
    3. Request a second walk-through to take place within 24 hours of closing.
    4. You want to check to see that no changes have been made that were not agreed on (i.e., a nice chandelier that you assumed came with the sale having been replaced by a cheap ceiling light).

 

All the above may seem rather overwhelming. That is why having a professional represent you and keep track of all the details for you is highly recommended. Please contact us directly to discuss any of these matters in further detail.

Let us help you get approved, contact us today… 

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Nestled along the prestigious Bayshore Blvd in South Tampa, this property presents an exceptional and rare opportunity. Spanning an expansive 2.3 acres, this waterfront gem offers a remarkable 199 feet of open bay frontage, providing breathtaking views of Hillsborough Bay. Boasting a highly sought-after location, this is more than just a property; it's a rare opportunity to own or develop a piece of South Tampa's prestigious Bayshore Blvd. The scarcity of land of this size in such a prime location enhances the property's appeal. Beyond the potential for development, residents will enjoy proximity to fine dining, shopping, top-rated beaches, downtown and various amenities. The scenic beauty of Hillsborough Bay is an ever-present backdrop, enhancing the desirability of this unique parcel. The rarity of such a sizable lot (100,225 sqft) in this coveted area makes this a once-in-a-lifetime chance for prospective homeowners and developers alike. Dimensions of this property: 281 front x 541 north x 383 south x 199 water, measurements are taken from the boundary survey completed 11/2023. The house is a tear down, value is in the land. There is an updated mother-in-law/ care takers cottage on the property. Don't miss the chance to own or develop a piece of South Tampa's waterfront paradise. There is a Caretaker living on this property, please DO NOT walk this property without the presence of the Listing Agent and a confirmed scheduled showing. $17,000,000 Active

6210 Bayshore Boulevard Tampa, Florida

3 Beds 3 Baths 3,114 SqFt 2.300 Acres

Under contract-accepting backup offers. In the heart of one of South Tampa's most elite waterfront enclave’s, this estate stands as a jewel of unparalleled luxury in Beach Park. Featuring one of the widest open water vistas with 164 ft of water frontage, and one of largest bayfront lots in Tampa at just over .55 acres, this property promises a unique island-like feel, despite being moments away from the city's prime locations. This estate welcomes you with a double gated and secured entry to this grand three-story residence overlooking Tampa Bay. Refined appointments and features include a circular drive and porte' cochere entry, soaring coffered ceilings and walls of windows, top-of-the-line stainless appliances and state-of-the-art media room. The main living and entertaining areas are located on the second level boasting a two-story rotunda, sweeping staircase, formal living room and family room, large gourmet kitchen, the dining room, bar and lounge, all with open water views. The main living spaces seamlessly flow outdoors (without steps to access) to generous terraces perfect for entertaining and capturing captivating sunsets, with an outdoor kitchen and entertaining bar, and covered entertaining areas. Just beyond, the centerpiece of the outdoor area is found in a one-of-a-kind three level cascading pool and spa unlike anything found in Tampa Bay. The third level is a haven of rest & private relaxation you have the master suite featuring an expansive terrace overlooking the bay, an opulent master bath with a roman shower, large spa tub, an executive closet with custom cabinetry and an enormous office with access to the terrace. On this level, you have four additional bedrooms, each with walk-in closets with custom shelving, a private bath, and a terrace overlooking the bay or property grounds. An additional elevator shaft exists to service the guest bedroom level. The ground floor boasts a sprawling gym, possible 6th bedroom, full bath, second laundry room, generous utility room, 4+-car garage storage, a dream wine cellar, billiard/game room and crowned with a show-stopping glass elevator to main level and master suite. Beyond the open bay frontage, a wide canal offers sanctuary for watercraft , and exceptional docking system with multiple boat/jet ski lifts, covered boat storage and entertaining/dining area. Whether it's a leisurely cruise, a paddle board excursion, or fishing at dawn, the Bay is your perfect playground. Offering convenience to Tampa’s popular International Plaza, Tampa International Airport, the Westshore Business District and to Tampa’s best private and public schools, you’re less than 5 miles to shopping, dining, beaches, sports and cultural venues. $14,950,000 Pending

5224 W Neptune Way Tampa, Florida

5 Beds 8 Baths 10,123 SqFt 0.550 Acres

1005 Siwanoy is a rare opportunity to own a newer construction, move-in ready home located on the 17th fairway of Palma Ceia golf course. Designed by architect Meyer Weitzman and built by John Sample Properties who worked closely with the homeowner to design a truly custom and unique home that reflects the homeowners passion for contemporary design married with the warmth and character of high end Caribbean resorts. Enter the home into a custom designed foyer with art gallery wall into the expansive family room with soaring 25 foot ceilings. 10-foot folding Euroglass wall highlights the expansive view of the golf course to the Palma Ceia clubhouse. Highlighting the family room is a 23’ foot coral fireplace wall flanked by custom walnut bookcases. The downstairs master suite features a private office, enormous bathroom with his and her custom walnut vanities, separate his and her showers, closets, and free standing tub. The double island kitchen design with custom walnut cabinetry, massive walnut dropped soffit with recessed lighting and custom pendants, sleek Jenn-Air appliances, and walk-in pantry will delight the homeowner who loves to entertain! Relax in the expansive den featuring a pool table, fireplace, separate bar area with a walk in chilled wine closet with custom walnut shelving to display the discerning collectors favorite bottles. The entertaining continues outside with a large covered terrace with soaring fireplace wall, outdoor wall mounted TV, outdoor summer kitchen and custom designed pool and rimless spa. Upstairs features 4 bedrooms with custom designed en-suite bathrooms and large bonus room with double gaming zones. Built to the highest standards of construction with cast in place concrete, Eldorado Stone coral finished concrete accents, custom linear gutters, impact windows, Creston home automation, electric window coverings and so much more! (See attachment for complete list of home details). With its exquisite design and rare golf course location, it presents a fantastic opportunity for those seeking to live in the heart of one of Tampa’s most coveted locations. $12,500,000 Active

1005 S Siwanoy Street Tampa, Florida

5 Beds 7 Baths 6,593 SqFt 0.570 Acres

Pre-Construction. To be built. Stunning Bayfront home on Davis Islands with unobstructed views from every level. Designed to the latest building codes with concrete block/piling construction, impact windows/doors, and elevated FEMA compliant living for optimum flood protection/insurance premiums. Enjoy an expansive rooftop terrace for amazing sunsets, views of Bayshore Boulevard and Downtown Tampa skylines which shimmer at night. Adalia Avenue is a premium on-island location that boasted the top home sales for 2022, and one of the few locations that provides walkability to downtown Davis Islands, Water Street Tampa, Amalie Arena and the Riverwalk. Imagine the perfect waterfront lifestyle from this extraordinary custom home designed to elevate living and entertaining to an art form in 7,066 SF under air and 12,446 total SF. Fully permitted and estimated completion in approx 14 months, this new construction by Boss and Mennie Luxury Homebuilders offers multiple exterior elevation choices ranging from modern to contemporary coastal. The outstanding bayfront location features expansive light-filled living spaces, elegant design appointments and top-of-the-line custom finishes throughout ready for final selection by buyer. Interior features include 12 ft retracting glass doors, sleek European-inspired kitchen, a wine wall and entertaining bar, 4-level glass elevator, home theatre, second floor lounge and numerous terraces. Living and entertaining at the water’s edge features pool, spa, outdoor kitchen and boat dock. Additional appointments include multiple flex spaces for gym/office, walled/fenced estate with automatic gate, and garage parking for 6-8 cars. Enjoy the very best of waterfront living in this coveted community with A-rated schools, convenience to numerous sports venues, recreation, shopping, dining and entertainment. Exterior Elevation style may be modified and final interior finishes are ready for selection by buyer. Note: Several bayfront vacant lots are pending off market- details will be provided during showing. This is an excellent waterfront value if you missed your opportunity to be on the bay for this price with a new construction home. Video Tour and Floor Plans available at www.34AdaliaAve.com Lot may be purchased separately. $11,900,000 Active

34 Adalia Avenue Tampa, Florida

6 Beds 6 Baths 7,066 SqFt 0.210 Acres

Under Construction. Welcome to an extraordinary opportunity for luxurious living in South Tampa! This truly unique Custom OPEN BAY WATERFRONT pool home in coveted Sunset Park, spanning over 6400 square feet, offers unrivaled views of Tampa Bay and downtown St. Pete setting a new standard for upscale living. Designed by the renowned Mary Beth Courier, who designed Oxford Exchange, this magnificent residence provides ample space for relaxation and privacy which features five spacious bedrooms, six bathrooms, large office, huge game/media room and 4 car garage. The well-designed floor plan includes an extraordinary master suite with 2 expansive master closets, oversized walk in shower, stand alone tub and an abundance of storage and organization options. Prepare to be wowed by the kitchen, featuring top-of-the-line Sub-Zero and Viking appliances that combines functionality with exquisite aesthetics, making it a dream for both aspiring and seasoned chefs. Entertainment options abound within this amazing home. A dedicated home theatre and a state-of-the-art golf simulator provide unparalleled enjoyment for both movie nights and golf enthusiasts. With high-end audio, visual technology, and intelligent lighting control throughout the house, every moment spent in this home will be immersed in luxury and sophistication. This property will offer an array of exceptional features. Imagine indulging in a resort-style swimming pool and hot tub, perfect for relaxation and entertaining guests. Additionally, a new dock with a boat lift will provide direct access to the water, ideal for boating and waterfront living. Located in a desirable area, this property offers convenient access to the vibrant downtown scene, where renowned restaurants, upscale shopping, and cultural attractions await. Furthermore, schools, parks, and major transportation routes are all within reach, ensuring a well-rounded and convenient lifestyle. Scheduled for completion in the middle of 2024. Currently, there is still an opportunity to customize options and features. Don't miss the chance to experience the pinnacle of luxury living in South Tampa. Call now for further details. $10,995,000 Active

5104 W Longfellow Avenue Tampa, Florida

5 Beds 6 Baths 6,405 SqFt 0.230 Acres

Exceptional in every feature, this magnificent, custom estate positioned on the 1st hole of the notable Palma Ceia Golf Course, showcases superb craftsmanship, state-of-the-art technology, picturesque settings, and fabulous amenities. This impressive residence, built in 2018 by RSB Construction, offers sophisticated entertaining spaces throughout. Making it the perfect home for informal gatherings or large events. Situated on 1/2 an acre, the European, inspired gardens offer an enchanting setting. Enjoy cool fall evenings, around the oversized stone fire-pit. Watch the sun set over the golf course under the pergola. Or set up a dance floor on the pavered multipurpose area. The thoughtful, landscape plan includes paths joining the spaces leading to a stunning arched porte-cochere transitioning to the front of the home. The stately entrance features an electronic gate and brick pavered courtyard with a 4-car garage. Approach the cobblestone archway leading to the grand, arched, double doors. The meticulous craftsmanship is apparent upon entry. And while the expansive ceiling heights and room sizes evoke impressions of grandeur, the home, still imparts a feeling of warmth and comfort. The formal great room features 14 feet ceilings with elegant, coffered millwork, a stately, wood burning fireplace, and ample space for both dining and living. Open the three sets of French doors and dine al fresco on the covered lanai. Or raise the retractable screens and extend your enjoyment into the garden. Leading to the kitchen is a gorgeous, brick barreled archway, another exceptional detail that sets this jewel apart. The kitchen features wood beamed ceilings, marble counters, custom cabinetry, professional grade Capital Connoisseurian 48” gas range, 30” Subzero column fridge and freezer, 24” Subzero wine cooler and warming drawer. The adjacent breakfast nook provides the perfect setting to enjoy family meals. There are also two walk in pantries, a small den, downstairs laundry, a drop zone and back staircase. Across from the great room, the family room is ideal for game watching parties. With a full wet bar with Scotsman icemaker and a wall of sliders opening to the screened pool lanai, it is the epitome of indoor/outdoor living. Watch one of three TVs in the extended space or use the large retractable screen by the saltwater pool. The outdoor kitchen features an oversized TEC Infrared grill, XL Big Green Egg, and more. Back inside, follow the arched hallway to the primary retreat. Resplendent with vaulted ceilings, an abundance of natural light and views of the garden, the large bedroom and sitting area create a true sanctuary. The primary bath is elegant and timeless with marble floors, tile and counters. Both closets are also generous in scope and size. Completing the first level is a private study. Upstairs, there is a sizable bonus room, private library and expansive laundry room. All three secondary bedrooms offer walk-in closets and attached baths. Beyond the other bedrooms, find an impressive, secluded guest wing. There is also a fabulous one-bedroom apartment above the garage with a kitchenette, living room, bedroom, and full bath. The home features a Generac generator, impact rated windows and doors, and Control4 smart system to manage lighting, security, temperature, media and surround sound throughout. This gorgeous estate will be featured on HGTV as an inspiration home in 2024, but you can see it in person! $10,500,000 Active

3105 W San Rafael Street Tampa, Florida

6 Beds 8 Baths 7,872 SqFt 0.550 Acres

Wow!! Wow!! Wow!! Welcome to your Davis Island DREAM Home!!! This West Indies style architectural masterpiece was designed by well known architect Steven Smith and built by award winning builder Craig Ross. This 5,078 square feet 4-bedroom 6-bathroom home was built in 2019 and is a must see on highly sought after and very exclusive Davis Islands with beautiful open bay views. Drive up the Brick stone driveway and find the 3-car climate-controlled garage with additional golf cart parking space. Once inside you will be greeted by the beautiful Tampa Bay water view, with a strategically designed breakfast nook with amazing views. Second story wood tiled patio that is perfect for viewing sunsets and relaxing after a busy day. Beautifully designed custom closets, with hidden entry way. Laundry rooms conveniently located downstairs and upstairs. This home has a spectacular outdoor entertaining area, with a resort style feel. Infinity pool and jacuzzi, outdoor shower, fully equipped outdoor kitchen with bar that is perfect for entertaining family and friends. DO NOT MISS OUT on this unique opportunity to be on Davis Islands!!! $10,499,000 Active

198 Blanca Avenue Tampa, Florida

4 Beds 6 Baths 5,078 SqFt 0.260 Acres

Introducing the perfect private coastal escape in the historic and scenic Ballast Point neighborhood of South Tampa. Be transported via a private road to a tranquil bayfront location surrounded by majestic oaks and inviting Old Florida charm. This estate property spans a FULL ACRE on the open bay and with a rarely found 150 ft. of water frontage. An award-winning coastal design, built by Sample Properties in 2018, welcomes you to refined finishes, dramatic designer appointments and superior outdoor living areas, with 5 bedrooms, 6.5 baths and over 5,000 square feet. Boasting magnificent views from almost every room, you are greeted by a double door entry to light-filled living spaces, great room with fireplace, dining room, warm hardwood floors and designer lighting, along with pecky cypress beam and wood accent ceilings. Sure to please the most discerning chef of the family, the custom kitchen delivers seamless design, center island and quartzite counters, custom cabinetry, integrated appliances (Sub-Zero/Wolf), 6-burner gas range and expansive walk-in pantry overlooking an informal dining/sitting area and water views beyond. Additional first floor living spaces include a mud room, powder bath and office. Upstairs, an impressive primary bedroom offers a private terrace, walk-in closet and spacious marble bath with dual vanities, dual water closets and soaking tub. Three additional ensuite bedrooms and laundry room complete the second living level. An intermediate level features a separate private guest/in-law suite offering a generous sitting area, bedroom, stunning bath and walk-in closet. The very best of this marvelous setting awaits outdoors with wide open water views, expansive covered terrace (blue marble), outdoor fireplace, dining area, outdoor kitchen, and pool bath. A heated pool/spa with custom cut limestone pool deck, plus waterfront Ipe deck complete the magazine worthy grounds. Exceptional exterior designed by Levell Design that includes custom railing, landscaping, pool deck, with no expense spared in the extraordinary marine-grade copper Aurora exterior landscape lighting system. Additional appointments include reinforced and recapped seawall 2020, separate cottage with storage and elevated living space (playroom, studio or home gym), along with an expanded 3-car garage. Convenient and walkable to the renowned Tampa Yacht Club, Bayshore Boulevard, Ballast Point park, this superior South Tampa estate delivers the ultimate in Florida Waterfront Living yet proximity to all that the City of Tampa has to offer. $10,000,000 Active

5718 S Gordon Avenue Tampa, Florida

5 Beds 7 Baths 5,196 SqFt 1.020 Acres

This stunning Culbreath Isles estate home was completed in 2022 and is equipped with cutting-edge modern design, advanced smart home technology, refined finishes, and energy-efficient features, all held to the highest standards. The property boasts unparalleled canal and Bay views and an exceptional outdoor living space complete with a custom pool and floating, waterfall-edge spa over a private grotto, outdoor kitchen, sun deck, dock with a lift, and quick open Bay access. Inside, the home offers 5865sqft (7027sqft under roof), 5 bedrooms, 5 full and 1 half baths, as well as a variety of spaces including an office, media/game room which features a custom wet bar, two laundry rooms, and an elevator. The chef's kitchen is a true masterpiece, with Calcutta quartz countertops, custom Wood-Mode cabinetry, gas Thermador appliances, and a large walk-in pantry. Other notable features include 140ft of water frontage, all-block construction with poured concrete, a beautiful floating staircase, a 3-car garage with space for 3 lifts, imported Italian porcelain tile, impact windows, and custom closets throughout. This property is situated in one of the most exclusive neighborhoods in South Tampa, and is within a top-rated school district, just minutes from the best local private schools, and offers easy access to Tampa International Airport, Westshore and International Malls, shopping, and incredible dining options. View the video tour at https://1612culbreathisles.com/idx (https://1612culbreathisles.com/idx) and floor plans are available upon request. $9,975,000 Active

1612 Culbreath Isles Drive Tampa, Florida

5 Beds 6 Baths 5,856 SqFt 0.360 Acres

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Client Testimonials

Absolutely the best real estate agent in the area. Jacqueline listened to everything we wanted in a house and found exactly what we were looking for. As first time home buyers, she really took the time to walk through each and every step of the process to make sure we understood what we were doing. We felt very comfortable with everything when we finally got to the table to sign for the house. Jacqueline was always willing to answer any questions we had and made sure we were give all the information we asked for. I would recommend Jacqueline and her team to anyone looking to buy a house in the future. Thank you for all of your hard work to help us find our first true home. We could not have done this with you.
Connie Di Piazza
Connie Di PiazzaNew Home Owner
Jacqueline Toledo was helping us find a home. She was extremely helpful and patient with us. She listened to our wants and showed us exactly what we were looking for. She is honest, polite and very professional. She drove over an hour to our house for the first meeting through the crazy Riverview traffic. She is dedicated to her clients and goes way past the extra mile to help. We recommend Jacqueline to any one in search of a house.​
James jimi Perez
James jimi PerezNew Home Owner
Our experience with Jacqueline Toledo was excellent. Jacqueline is a fantastic realtor and a great human being. We appreciated her experience, professionalism and knowledge of the Tampa Bay area. She is very friendly and she pays a lot of attention to details. We thought the whole process would be difficult since we were not locals, but she made it easy for us. ​
Cosmin Rosca
Cosmin RoscaNew Home Owner
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