Another overview on the Florida keys

I'm going to the Florida Keys! People all over the world love to say that.
The Florida Keys is one of the most desirable areas in the world to visit and Florida Keys real estate is some of the most desirable real estate in the world. The Florida Keys are a unique American landscape. They are not even like the rest of the Florida. Called by some Americas Caribbean, they are reminiscent of the Bahamas or the Caymans or the Netherlands Antilles. They are low-lying dots on an azure sea that separates Cuba from the U.S., strung 130 miles in a long narrow corridor athwart the Gulf Stream, and bordered by one of the world’s principal coral reefs that was the scourge of pirates and the Spanish fleet nearly 500 years ago but beckons divers, fishermen, and boaters today.

Florida Keys Starting A Business

Florida Keys Starting A Business
The Keys and the adjoining areas welcome new business. With increased tourism and residents the region offers constant expansion, incredible opportunities and a great lifestyle.

Whether you’re considering relocating a company or starting a business from scratch, The Keys wants your business.
Since we are a destination point for tourists from all over the world, meaning substantial money flows through the area, there are opportunities for expansion of existing and/or startup of niche businesses. The Tourists wants and needs plus the lifestyle of the locals make for unique opportunities..
The good news is that from a marketing standpoint it hasn't all been said and done here--it's not like launching a business in New York City--there's still plenty of room here.

Florida Keys Arts and Culture

Key Largo...Tavernier...Islamorada...Upper Keys Real Estate

Florida Keys Arts and Culture

Florida Keys and Monroe County Arts
The Keys are made up of small towns and communities. However, due to the strong economy from our tourist base, the Arts are a primary part of our culture. Most weekends bring festivals and street parties throughout the Keys and especially in Key West. Photography of wildlife here is also great. Check out www.dhphotoart.com

The Florida Keys Council of the Arts does a great job in supporting Art in the Keys http://www.keysarts.com/
Also see the Key West Arts and historical society http://www.kwahs.com/

Music
• The Keys Community Concert Band. Susan Bazin 451-4530.
• Keys Chamber Orchestra. Call Inga-Lisa Wright, 305-744-0508
• The Key West Pops, Inc. - 305 293-7658, P.O. Box 6206
• Note to musicians-There are about a zillion Tiki bars etc, that have live music. The times range from the afternoon through the evening. The pay is generally better than you'll find working in a regular club in the rest of the country. In addition to that most outdoor venues shut their nusic down about 11-so the hours are shorter.

Museums and Culture
• Ernest Hemingway Home & Museum - 305 294-1136, 907 Whitehead St., Key West FL
• Flagler's Station Historeum®-901 Caroline St., 1-305-295-3562.
• Key West East Martello Museum - 305 296-3913, 3501 S. Roosevelt Blvd.
• Key West Lighthouse Museum - 305 294-0012, 938 Whitehead Street
• Key West Museum of Art & History - 305 295-6616
• Key West Shipwreck Historeum - 305 292-8990, 1 Whitehead Street
• Little White House Museum - 305 294-9911
• Lofton B. Sands African Bahamian Museum - 305 293-9692,
• Wrecker's Museum - 322 Duval St., 294-9502.

Theater/dance
• Middle Florida Keys
• Marathon Community Theatre, 5101 O/S Hwy.....305 743-0994
• Key West Theatre
• Island Opera Theatre.....305 296-1520
• Red Barn Theatre, 319 Duval St (Rear).....305 296-9911
• Waterfront Playhouse, Mallory Square.....305 294-5015

Art Galleries/ Visual Arts
• Over 90 galleries throughout the Keys
• Note to Artists; regardless of the medium, ther is a place for you in the Keys. The Keys strongly support resident artists.

Writers groups in all genres (from screenwriting to novels) are spread throughout the Keys. There is definitely a reason so many world class writers and Play-rights have made and do make the Keys their home. Especially Key West.(“Ernest Hemingway” ) The musician and actor community here is strong.

Florida Keys health

Flordia Keys Health
The Florida Keys demand good healthcare facilities. Although the total population is less than 90,000, due to the influx of tourists, good healthcare has to be available. In addition Miami and its world class Baptist hospital and all the other facilities, is just hours away.
Healthcare Facilities in the Keys:

* Hospitals, 4
* Assisted living, 3
* Health Care clinics, 8
* Skilled Nursing facility, 3

For more information (other facilities and their address) see http://facilitylocator.floridahealthstat.com/
See the health department Web site http://www.doh.state.fl.us/chdcollier/services/services.html

Another great site that has all the local resources for Monroe Colunty is at
http://www.aidshelp.cc/html/local_resources.html

Hospitals

* DEPOO HOSPITAL
* 1200 KENNEDY DRIVE
* KEY WEST , FL 33040
* TELEPHONE#:305 294-9200

* FISHERMEN'S HOSPITAL
* 3301 OVERSEAS HIGHWAY
* MARATHON, FL 33050
* TELEPHONE#:305 743-5533
* http://www.fishermenshospital.com/

* LOWER KEYS MEDICAL CENTER
* 5900 COLLEGE ROAD
* KEY WEST , FL 33041-9107 TELEPHONE#:305 294-9200

* MARINERS HOSPITAL
* 91500 OVERSEAS HWY
* TAVERNIER, FL 33070 TELEPHONE#:305 434-1582
* OWNER: BAPTIST HEALTH SOUTH FLORIDA
****This is an excellent facility!!!!

A list of Services for people with disabilities
http://www.monroecounty-fl.gov/Pages/MonroeCoFL_CommServ/guide

For names and numbers of physicians in the Keys go to http://www.mcms.org/contents/refserv/referralservice.htm
In addition to local facilities, the world class health facilities of Miami are 3 hours away from Key West.

More Keys recreation

Miles of oceanfront and Gulf front access await you in the Keys.
Recreational opportunities in the outdoors are the most important assets of the Keys.
The fishing and boating here is incredible-both in the Ocean and the back-country (the Gulf). There is something to catch year round and our weather lets you do it. If you like the water, this is the place
Recreational Opportunities:
• 47 Marinas
• 13 Parks,
• 3 Golf Courses
• 10 Campgrounds and recreational vehicle parks
• 13 public Tennis Courts
• 18 Boat Ramps
•
• To see a complete list of parks and recreational opportunities see
• the sites below
• http://www.floridastateparks.org/FndaParkRegion.cfm?Dist=Southeast
Things to do outdoors:
• Fishing-saltwater, freshwater-Ocean, lakes and the Everglades
• Boating-Ocean, Gulf or Bay
• Diving
• Hiking
• Tennis
• Bike riding
• Birding
• Photography and Wildlife watching
• Kayaking—canoes-there are good rental locations and lots of places to launch.
• Air boating into the Everglades
• Windsurfing the flats

Key Largo Recreation

Recreational Options

You can’t really get bored here, unless you just don’t like the water.
• Dive: If you snorkel or dive, Key Largo is a terrific place to live. Long considered the sport diving capital of the world, Key Largo is home to John Pennekamp State Park, the world’s first underwater park. I used to camp and snorkel there on weekends with my kids. And I’ve also had some great times diving wrecks and exploring the surrounding waters of the Florida Keys National Marine Sanctuary. There are lots of dive shops for folks at all skill and preference levels.
• Fish: If you like to fish, Key Largo is (if that’s possible) an even better place to live. Stretching down to Islamorada, the bonefishing capital of the world, there is a fabulous “backcountry” – Florida Bay – and offshore you’ve got the Gulf Stream and every kind of pelagic sports fish you can imagine. If you’ve got your own boat, great; if you don’t, you’ll find one of the largest fishing fleets per square mile in the world, between Key Largo and Islamorada.
• Boats and Toys: See above. There is every possible sea thing to rent and enjoy. In fact, Key Largo and the rest of the Upper Keys, including Islamorada, are much better this way than the Middle Keys or Lower Keys with the exception of Key West.
• Kayaking, Canoeing, Photography and Birding: These don’t all necessarily go together. My friend and I did a lot of fishing from our kayaks before it became the latest craze. But if you want to explore shallow-water backcountry to enjoy birds and wildlife, and want to consider paddleboating as opposed to motorboating as the way to do it, then this part of the Keys will likely please you more than areas farther south and west.
• If you’re a private pilot, there’s a basic airstrip for small planes on Tavernier, and you can even live next to the runway.

Building a home and lot values

Building a Home in the Florida Keys
Buying a lot and building your dream home may be the way to go. The cost of building will vary widely from $50.00 per square to $300.00 and up.
Basically lots in Florida as far as price goes will run as follows.
Most expensive
• Open-water—Atlantic or Gulf
• Open-water Inter-Coastal or other Rivers-Lakes
• Canal Homes with Open water views (Bay or Atlantic-Gulf)
• Canal homes-Boat able and quick access to open-water
• Dry Lots—price widely varies based on the community and area.

*As to canal lots and how boat ability affects prices.
If the depth of the canal and the width allows for a 50ft boat or sailboat-it will be more expensive than a lot on a canal that is shallow and usually not as wide. The bigger the boat, the more room needed to turn around.

*Access to open water is another factor that influences prices.

If you’re only minutes (half hour) to good fishing-diving, expect to pay more.
Also homes on shorter canals will generally have better water quality. In the Keys we call these swimming canals. The tides flush them out easier and the water is clear.

Monroe County exempt from new wind insurance rates

MONROE EXEMPT FROM APPROVED WIND RATES

Florida Insurance Commissioner Kevin McCarty on Friday did what he said he was going to do: Exclude Monroe County in approving Citizens Property Insurance Corp.'s rate filing.

The rate includes two filings: actuarial and top-of-market, the latter being higher than the average of the top 20 companies. The state's insurer of last resort must charge higher rates so it doesn't compete against private insurers.

Monroe County is in a pilot project that limits rates to an actuarial filing, since the state found it has no competition.

After experiencing eight major hurricanes during the last two years, Citizens accumulated a $1.7 billion deficit. The Legislature appropriated $715 million to cover the deficit, which Citizens usually covers with an assessment it charges private insurers, as required by state law. Private insurers pass that cost on to customers through a surcharge on premiums, which are expected to decrease 20 percent, to a 3.5 percent levy, thanks to the legislative bailout.

"I am very pleased that the Legislature allocated a portion of the sales tax revenue surplus to provide rate relief to all Florida policyholders," McCarty said. "However, we still need to take strong measures to ensure that Citizens' rates are actuarially sound to minimize future assessments."

Citizens made its top 20 filing in December and actuarial filing in January.

"Our actuarial staff has rigorously examined these rates, and I am confident the approved adjustments achieve adequate rates given the risks involved," McCarty said.

McCarty's order approved combined average rate increases for homeowner's policies of 16.1 percent on a statewide basis; 6.7 percent for mobile home policies; no increase for condominium unit policies; and 21.5 percent for dwelling fire policies.

What makes a good Vacation Rental

What makes a good Vacation Rental
• A clean, well-maintained home on a canal or open water.
• Typically one of the bedrooms should have a set of twin beds if the renters are bringing children.
• Good linens and towels and a backup set. This is especially important for monthly renters.
• The washer, dryer and refrigerator should be newer if possible.
• A good Television hooked up to cable (about $35.00 per month) and a CD or tape stereo system.
• The kitchen must be completely outfitted. A microwave is also very important for renters.
• Patio and/or Lawn-Deck furniture. If there is an upper deck, a table and chairs plus loungers.
• On the waterside, a set of loungers and chairs.

Renting your Keys home out as a seasonal (vacation rental)or long term.

Renting your home out as a seasonal (vacation rental)or long term.
Long-term renters are generally easier to find as there is a shortage of homes for rent. So, if you want to buy something for retirement or a vacation home and rent it out to help your payments-this is typically the easiest way. (Long term rentals are considered to be anything over 6 months, as the tenants don't pay the 11.5% Florida tax)

Generally long-term rentals should be unfurnished.

Initially your agent’s company will do a credit check before submitting a lease to you, then with your approval of the lease, they typically collect the first and last months rent plus a security deposit which is typically a months rental amount.

More about Key largo and the upper Keys

If you’re looking to relocate here, there are homes as of Sept 2005 listed from $269,000. Of course as of 2006, they go up from there: the least expensive single family home now you'll find is about$399,000. (To get an idea on how prices work, look under the investment page for the Florida Keys.)
• The Key Largo housing market is diverse and eclectic, and includes everything from ultra-modern big new houses and condos to just plain old-Florida funky, and everything in between. It is a complex market, and will take the buyer or investor some time to comprehend.
• The market also covers a lot of physical territory: Key Largo itself, the largest and longest of the Florida Keys, stretches for 30 miles from the resort yachting community of Ocean Reef at the island’s north end (which exits to the Mainland by a separate bridge over Card Sound) to the community of Tavernier at its southern tip
• Moreover, another part of the diverse Upper Keys real Estate market is Islamorada, the 17-mile long, half-mile wide, often handsomely groomed municipality that picks up where Key Largo leaves off and is comprised of Plantation Key, Windley Key, and Upper and Lower Matecumbe Keys

Key Largo and the upper Keys overview

Once you leave civilization at Florida City, Key largo is the first town and first island you come to as you travel down US 1 -- across a dozen plus miles of beautiful and still totally pristine Everglades country, then along a narrow strip of mangrove splitting Barnes Sound from Blackwater Sound and Florida Bay, now across the old swing bridge at Jewfish Creek, finally over Lake Surprise. And there it is: Key Largo, the stuff of myth, located some 55 miles and about an hour south of Miami International Airport and just 24 miles south of Homestead. You are now on a different planet.

Since 1948, when it was the setting for the movie, "Key Largo," starring Humphrey Bogart, Edward G. Robinson and Lauren Bacall, the name Key Largo has become world famous. In fact, Key Largo is one of the oldest place names on early maps of the North American continent, dating back to the sixteenth century when the Spanish explored the area looking for riches to take back to Spain. Today it is Miami’s Cape Cod -- and for the rest of us it is the Gateway to the American Caribbean.

The climate is subtropical and foliage is lush. Temperatures have only a few degrees day-night fluctuation, compared with much of the rest of Florida. There’s a steady sea breeze, and rain tends to be passing showers

Key Largo has become synonymous with the laid-back Keys lifestyle. Yet Key Largo is also a particularly vibrant community due to it’s being close to Miami. On the weekends, it is an easy drive for people to visit the Keys and their unique ambience. For investors it means great occupancy rates, for 2nd homeowners a quick and easy getaway. If you want to make this your home, well, Key largo was ranked No. 11 of the 50 Best Places to Live list by Men's Journal Magazine in 2002.

Key largo. Paradise found

You Can Live in Paradise
Incredible Sunsets, Tropical Weather, lots of sun, Palm trees, Balmy Nights with Soft Tropical Breezes. How about a unique array of colors: for instance, shades of Greens you never knew existed? How about, world-class fishing and diving within minutes of your home? How about year round citrus, vegetables, gardens and really fresh seafood? How about clean air, beaches and pure nature and all of this mixed in with a laid-back Island attitude?
If all this sounds (too!) good, consider this--since we only spend a small percentage of our lifetimes outdoors, why not make the most of it?
The Florida Keys are a unique American landscape. They are not even like the rest of the Florida. Called by some “America’s Caribbean,” they are reminiscent of the Bahamas or the Caymans or the Netherlands Antilles. They are low-lying dots on an azure sea that separates Cuba from the U.S., strung 130 miles in a long narrow corridor athwart the Gulf Stream, and bordered by one of the world’s principal coral reefs that was the scourge of pirates and the Spanish fleet nearly 500 years ago but beckons divers, fishermen, and boaters today.
How about going on vacation and never going home?