Its Time to Sell and Buy your Dream Home with Your Stock Market Returns.

Historical S&P 500 Return

money-7According to Scott Snider with www.mellenmoney.com,  approximately 10% is the average return for the S&P 500 since its inception back in 1928.  Adjusted for inflation the “real return” is more like 7%.  Also worth noting that nearly half of the gains from the S&P 500 resulted from dividends.

2017 S&P 500 Return

The 2017 S&P 500 Return: Buy, Hold and Reinvest

The above quoted numbers are accurate if you bought the index at the opening price on January 3rd, 2017 and sold at the closing price on December 29, 2017. If you’d prefer the numbers buying at the December 30, 2016 closing price the return would be +19.42% and +21.83%, respectively.

Here are the index price returns:

Price Return From
Open Close Gain
Jan 3, 2017 Start 2251.57 2673.61 18.74%
Dec 30, 2016 End 2238.83 2673.61 19.42%

Following are the dividend reinvested returns:

Dividend Reinvested Return From
Open Close Gain
Jan 3, 2017 Start 4303.12 5212.76 21.14%
Dec 30, 2016 End 4278.66 5212.76 21.83%

Whichever set of return time-spans you prefer, the message is the same “If you invest in funds or stocks that pay a dividend you’ll have to choose what to do with the payouts. Simply quoting price returns without regard to real returns in cash form doesn’t reveal the true impact of an investment.”  Either way, 2017 was a very good year for stocks with gains doubling histroical returns.

Source on the 2017 S&P 500 Return Calculations

These numbers come from S&P Dow Jones Indices, the owner of the S&P 500 Index. They have both the classic S&P 500 price index as well as the dividend reinvested numbers from 1987 forward.

2018 S&P 500 Return Projections

According to UBS, the S&P 500 could surge 18 percent this year, which raised its 2018 target to 3,150, the highest on Wall Street, only three trading days into the year.  The Dow Jones industrial average already crossed 25,000

The S&P 500’s gain on the year will be 17.8 percent according to the new UBS target and based on the benchmark’s closing value of 2017. Taking into account the rally to start 2018, the index will rise 15.5 percent from here, according to the UBS target. The firm’s previous 2018 forecast for the S&P 500 was 2,900.

“We assume solid growth,” said Keith Parker, the chief U.S. equity strategist at UBS, in an appearance on CNBC’s “Halftime Report.” “We do expect a large pickup in buybacks and M&A.”

What’s Next?

What are you goingto do with all that money?  If you want to find your dream home in the Tampa Bay area (Florida), you should contact Alan!!!  I can help you find it.  I love helping people find that dream home.  Additionally , yKW1784102f20KW.jpgou should consider using a realtor.  I could save you money especially with new home builders and it does not cost you anything.  So why not? Let me save you money!!!  If you are interested in buying real estate (new home, existing home, or commercial property), please contact me (Alan Lane with Keller Williams Realty a.t 2119 W Brandon Blvd, Brandon, Florida 33511).  As a life long resident of Central Florida, I can help you find the right property for you whether it is in Lakeland or as far south as Sarasota.  The Keller Williams offices of  ”Suburban Tampa” include the offices in Brandon, Plant City, Fishhawk Ranch, and our newest office in Valrico.  My email address is alanlane66@gmail.com, or call me at 813.205.9280.  If you are just starting your search, you can search the MLS for real estate opportunities on my website at this link

 

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Waterset Townhomes in Apollo Beach, Florida

Waterset TownhomesWaterset Townhomes are very affordable townhomes with reasonable maintenance fees  in eastern Hillsborough County, Apollo Beach, Florida.  This location is between the Interstate Corridor and Tampa Bay.  It is also conveniently located to restaurants and shopping as well as Tampa’s business district and Gulf Coast beaches.  Some of the property highlights include:

  • Pricing from $194,490s – $233,990s
  • Square footage from 1,756 to 2,185
  • Bedrooms from 3 to 4
  • Bathrooms from 2 to 3
  • Amenities include  a resort-style pool, splash park, playground, picnic area, cafe, outdoor fitness station, and a fitness center.
  • CDDs are only $80.46 per month with low HOAs at only $6.08 per month.
  • The Townhome maintenance fee is only $179.00 per month.

Per Lennar, the Schools for this subdivision include:

  • Inez Doby Elementary School
  • Eisenhower Middle School
  • East Bay High School

Although the above schools are the currently assigned to the subject development, I would suggest that any potential buyer check the Hillsborough County website to verify the schools and more information (school grades, school calendar, etc.). If you are relocating to Hillsborough County, you can find your school at click here as well as the school calendar at click here.

Unlike most builders, Lennar offer a home that has everything included.  What does that mean for the buyer?  In the case of upgrades, it is simply a matter of over pricing them above what you could get done from an individual subcontractor.  I’m not saying that Lennar does not offer upgrades, but most of the “typical”upgrades in the modern home as “granite” countertops are included.  Whereas, a lot of builder charge higher prices at their “design centers”.  This is just something to think about when deciding on purchasing a home.

There are several “spec” homes available.  Home builders in the Tampa Bay Residential Market have completed homes available with some real savings like discounts off the original sales price and generous closing costs available to potential home buyers in communities like Riverview and Dover, Florida.  Sales prices onSpec” (speculation) are often the best places to get the best deals.  These homes are built by builders without an intended purchaser in mind (Hence the builder is speculating that they will find a builder to buy the home).  There are two spec townhomes available (Ironwood and Princewood models).  The following is the Ironwood Model:

Ironwood

Ironwood 1st Flr

Ironwood 2nd Flr

The following is the Princewood Model:

Princewood

Princewood 1st Flr

Princewood 2nd Flr

Front Elevations and Floor Plans provided by Lennar Homes

KW1784102f20KW.jpgYou should consider using a realtor.  I could save you money especially with new home builders and it does not cost you anything.  So why not?  If you are interested in buying real estate (new home, existing home, or commercial property), please contact me (Alan Lane with Keller Williams Realty a.t 2119 W Brandon Blvd, Brandon, Florida  33511).  As a life long resident of Central Florida, I can help you find the right property for you whether it is in Lakeland or as far south as Sarasota.  The Keller Williams offices of  ”Suburban Tampa” include the offices in Brandon, Plant City, Fishhawk Ranch, and our newest office in Valrico.  My email address is alanlane66@gmail.com, or call me at 813.205.9280.  If you are just starting your search, you can search the MLS for real estate opportunities on my website at this link

Little Harbor in Ruskin, Florida

img_6055Whether you are still working or retired, you can have it all in a home?  You can have beautiful views of Tampa Bay coupled with two-story homes in a Cape Cod atmosphere in Tampa Bay.  Well You can in one of Lennar’s newest waterfront communities.  These homes will have direct access to Tampa Bay with the convenience of being able to accommodate own docks and boat lifts.   Some of the property highlights include:

  • Pricing from $514,990s – $669,990s
  • Square footage from 2,618 to 3,835
  • Bedrooms from 4 to 5
  • Bathrooms from 2.5 to 3
  • Amenities include a basketball court, fitness center, marina, playground, sport court, swimming pool, tennis court, and volleyball court.

Since schools districts can change all the time, we suggest that a potential buyer should verified the schools prior to purchasing.  Per Lennar, the Schools for this subdivsion include:

  • Thompson Elementary School
  • Beth Shields Middle School
  • Dr. Earl Lennard High School

There are seven spec homes available (Jupiter, Sanibel, and Amelia models).  Spec homes are homes built without a buyer and usually offer better than average deals as the builder/developer does not want to keep them for very long.

Amelia Front Elevation

Amelia Model

Amelia First Flr

Amelia Second Flr

The following is the Sanibel:

Sanibel

Sanibel First Flr

Sanibel 2nd Flr

The following is the Jupiter:

 Jupiter

Jupiter 1st Flr

Jupiter 2nd Flr

Front Elevations and Floor Plans provided by Lennar Homes

KW1784102f20KW_thumb.jpgYou should consider using a realtor.  I could save you money especially with new home builders and it does not cost you anything.  So why not?  If you are interested in buying real estate (new home, existing home, or commercial property), please contact me (Alan Lane with Keller Williams Realty a.t 2119 W Brandon Blvd, Brandon, Florida  33511).  As a life long resident of Central Florida, I can help you find the right property for you whether it is in Lakeland or as far south as Sarasota.  The Keller Williams offices of  ”Suburban Tampa” include the offices in Brandon, Plant City, Fishhawk Ranch, and our newest office in Valrico.  My email address is alanlane66@gmail.com, or call me at 813.205.9280.  If you are just starting your search, you can search the MLS for real estate opportunities on my website at this link

Residential Market Insights: October 2016

Lennar model home backyard

HOME SALES

The National Association of REALTORS® reported home sales at a seasonally adjusted annual rate of 5.33 million homes during the month of August. This was a decrease of 0.9 percent from July, and an increase of 0.8 percent from August of last year.

HOME PRICE

The median home price decreased to $240,200 in August, which was down 1.3 percent from July and up 5.1 percent from August of last year. The median home price has increased by nearly $11,700 in the past year alone.

INVENTORY – MONTH’S SUPPLY

There was a 4.6-month supply of housing inventory in August, which was a 2.1 percent decrease from July. The total number of homes for sale decreased by 9.8 percent compared to August of last year.  It is still a seller’s market.

Months of supply is the measure of how many months it would take for the current inventory of homes on the market to sell, given the current pace of home sales. Months of supply is a good indicator of whether a particular real estate market is favoring buyers or sellers. Typically, a market that favors sellers has less than 6 months of supply, while more than 6 months of supply indicates an excess of homes for sale that favors buyers.

The current market for mortgage rates is as follows:

Mortgage Type Interest Rate
30-Year Fixed 3.48%
15-Year Fixed 2.76%
5/1-year ARM 2.80%
Historical average 8.90%

 

Thinking of buying or selling real estate?

KW1784102f20KW_thumb.jpgYou should consider using a realtor.  If you are interested in buying real estate (new home, existing home, or commercial property), please contact me (Alan Lane with Keller Williams Realty at 2119 W Brandon Blvd, Brandon, Florida  33511).  As a life long resident of Central Florida, I can help you find the right property for you whether it is in Lakeland or as far south as Sarasota.  The Keller Williams offices of  ”Suburban Tampa” include the offices in Brandon, Plant City, Fishhawk Ranch, and our newest office in Valrico.  My email address is alanlane66@gmail.com, or call me at 813.205.9280.  If you are just starting your search, you can search the MLS for real estate opportunities on my website at this link.

Riverview Lakes Townhomes

Riverview Lakes Townhomes is a Lennar townhome community located on the west side of US Highway 301, just south of Gibsonton Drive in Riverview, Florida.  Riverview is one of the fastest growing areas in the Tampa Bay area.  HOA is $171.45 per month with no CDD Fees.  Some of the highlights include the following:

  • Pricing from $189,990s – $214,990s
  • Square footage from 1,747 to 2,162
  • Bedrooms from 3 to 4
  • Bathrooms from 2 to 2.5

Since schools districts can change all the time, we suggest that a potential buyer should verified the schools prior to purchasing.  According to Lennar, the schools are as follows:

  • Collins Elementary School
  • Rodgers Middle School
  • Riverview High School

There are seven spec homes available (Abacos, Bimini and Cozumel models).  Spec homes are homes built without a buyer and usually offer better than average deals as the builder/developer does not want to keep them for very long.

Abacos Model – a 1,747 SF, 3 BR/2 BA, Home – Three available at $189,990

Bimini Model – a 1,993SF, 3 BR/2.5 BA, Home – Three available between $199,990 and $201,990.

Cozumel Model – a 2,162SF, 4 BR/2.5 BA, Home – One available at $216,990

Thinking of buying or selling real estate?

KW1784102f20KW_thumb.jpgYou should consider using a realtor.  If you are interested in buying real estate (new home, existing home, or commercial property), please contact me (Alan Lane with Keller Williams Realty at 2119 W Brandon Blvd, Brandon, Florida  33511).  As a life long resident of Central Florida, I can help you find the right property for you whether it is in Lakeland or as far south as Sarasota.  The Keller Williams offices of  ”Suburban Tampa” include the offices in Brandon, Plant City, Fishhawk Ranch, and our newest office in Valrico.  My email address is alanlane66@gmail.com, or call me at 813.205.9280.  If you are just starting your search, you can search the MLS for real estate opportunities on my website at this link.

Building Plans were provided by Lennar Homes.

Ballentrae in Riverview, Florida

Ballentrae is located southwest of Rhodine and Balm Riverview Roads in Riverview, Florida.  Riverview is one of the fastest growing areas in the Tampa Bay area.  HOA is $5 per month and the CDD Fee is $152.08 per month.  The development features a clubhouse and a resort style swimming pool.  Some of the highlights include the following:

  • Pricing from $225,490s – $310,490s
  • Square footage from 1,971 to 3,777
  • Bedrooms from 3 to 5
  • Bathrooms from 2 to 3

Since schools districts can change all the time, we suggest that a potential buyer should verified the schools prior to purchasing.  According to Lennar, the schools are as follows:

  • Collins Elementary School
  • Rodgers Middle School
  • Riverview High School

There are four spec homes available (Pennsylvania, Rhode Island, South Carolina and Vermont models).  Spec homes are homes built without a buyer and usually offer better than average deals as the builder/developer does not want to keep them for very long.

The Pennsylvania in Ballentrae

Pennsylvania Model – a 2,529SF, 4 BR/3 BA, Home – One available at $265,890

The Rhode Island in Enclave at Boyette

Rhode Island Model – a 2,533SF, 4 BR/2.5 BA, Home – One available at $268,490

The South Carolina in Ballentrae

South Carolina  Model – a 2,947SF, 4 BR/2.5 BA, Home – One available at $289,990

The Vermont in Ballentrae

Vermont Model – a 3,288SF, 5 BR/3 BA, Home – One available at $295,840

Thinking of buying or selling real estate?

KW1784102f20KW_thumb.jpgYou should consider using a realtor.  If you are interested in buying real estate (new home, existing home, or commercial property), please contact me (Alan Lane with Keller Williams Realty at 2119 W Brandon Blvd, Brandon, Florida  33511).  As a life long resident of Central Florida, I can help you find the right property for you whether it is in Lakeland or as far south as Sarasota.  The Keller Williams offices of  ”Suburban Tampa” include the offices in Brandon, Plant City, Fishhawk Ranch, and our newest office in Valrico.  My email address is alanlane66@gmail.com, or call me at 813.205.9280.  If you are just starting your search, you can search the MLS for real estate opportunities on my website at this link.

Elevations were provided by Lennar Homes.

 

Enclave at Boyette Creek

The Enclave at Boyette features single-family homes located on the east side of Boyette Road, just north of Rhodine Road in Riverview (located in eastern Hillsborough County).  HOA is $88.27 per month with no CDD Fee.  The entire development is gated and features a park.  Some of the highlights include the following:

  • Pricing from $227,490s – $315,490s
  • Square footage from 1,738 to 3,777
  • Bedrooms from 3 to 5
  • Bathrooms from 2 to 3

According to Lennar, the schools for Enclave at Boyette are as follows:

  • Stowers Elementary School
  • Barrington Middle School
  • Newsome High School

There are four spec homes available (North Carolina, Rhode Island, Vermont and Virginia models).  Spec homes are homes built without a buyer and usually offer better than average deals as the builder/developer does not want to keep them for very long.

The North Carolina in Enclave at Boyette

North Carolina Model – a 2,065SF, 4 BR/3 BA, Home – One available at $250,490

The Rhode Island in Enclave at Boyette

Rhode Island Model – a 2,533SF, 4 BR/2.5 BA, Home – One available at $274,990

The Vermont in Enclave at Boyette

Vermont  Model – a 3,288SF, 5 BR/3 BA, Home – One available at $303,990

The Virginia in Enclave at Boyette

Virginia Model – a 3,777SF, 5 BR/3.5 BA, Home – One available at $324,490

Thinking of buying or selling real estate?

KW1784102f20KW_thumb.jpgYou should consider using a realtor.  If you are interested in buying real estate (new home, existing home, or commercial property), please contact me (Alan Lane with Keller Williams Realty at 2119 W Brandon Blvd, Brandon, Florida  33511).  As a life long resident of Central Florida, I can help you find the right property for you whether it is in Lakeland or as far south as Sarasota.  The Keller Williams offices of  ”Suburban Tampa” include the offices in Brandon, Plant City, Fishhawk Ranch, and our newest office in Valrico.  My email address is alanlane66@gmail.com, or call me at 813.205.9280.  If you are just starting your search, you can search the MLS for real estate opportunities on my website at this link.

Elevations were provided by Lennar Homes.