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Welcome to the premier resource for all real estate information and services in the Tampa Bay area. We hope you enjoy your visit and explore everything our website has to offer, including Pinellas, Hillsborough, & Pasco county real estate listings, information for homebuyers and sellers, and more About Us, your professional Tampa Bay area Realtors.  You can also read what our past clients have to say about us on our Testimonials page.

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               Scott & Marie Tomlinson
               Realty Executives Suncoast
               3090 Charles Ave.
               Clearwater, FL 33761
               Phone: 727-771-3609
               Email: tomlinsonteam1@gmail.com

Testimonials Page

I can’t even begin to express the thanks I owe to Marie and Scott. I set out on the quest to find my own home by myself but from day one I never felt alone with them on my side. They shared all the information and then some to help guide me along the way and checked in with me during and after the buying process to ensure everything was going smoothly. If I had a question they were always there with an answer or took the time to find the answer. The process went very well and I know it was mainly because they were there doing the work that needed to be done. I felt like they were family by the end of this process and am grateful my lender connected me with them. Thank you for turning my dream into a reality, Marie and Scott! Sarah Whitney
“Our experience in working with the Tomlinson’s on our home sale has been like nothing we’ve experienced! We met the Tomlinson team 3 years ago when referred to them through our previous realtor in a different state. We’ve worked with Scott and Marie both on a home purchase, and on the sale of our home. The recent selling of our home was during a very stressful period in our lives – I took a job 8 states and 2 time zones away, while my wife and kids had to stay behind, get our home sold, and get moved to our new home. We were under tremendous pressure during this transition……….but the home-sale part of our move was truly the easiest step in our relocation process. Kudos Tomlinson team!!!!!! The process was very strategic, well thought-through, and planned methodically. And it worked – our home closed in less than 90 days, far exceeding our expectations! The Tomlinson’s bring a team-oriented nature of doing business – they use their expertise to set a course forward, and helped us in making the right decision. But at the same time, they listen to us – they hear what our ideas are, and what we have to say – and as a TEAM, we make the best decision to move forward. They know the market, and how it ticks. They know the region, and who are the best buyers for what particular area. They responded to phone calls, immediately. They responded to my emails. They responded to my texts. Immediate response! In our experience, and this is our 3rd cross-country sell-home-and-relocate scenario, most realtors just want to get the transaction done. Even when the final result is not in the best interest of the seller. There is no TEAM – there is no strategy – there has truly been no one who’s goal was to look out for our own best interest. Until we met the Tomlinson team! I would highly suggest that anyone looking to sell their home to work with the Tomlinson Team. You WILL NOT BE let down!” The Friess’s Denver, CO
Our realtor in the DC area referred us to the Tomlinson team when we began planning our move to the Tampa metro area in June 2013. Scott and Marie listened to our hopes for a future home and quickly helped us to zone in on neighborhoods and communities that aligned with our "must have" list. When we were in town the first time, Scott arranged his schedule to drive us all around and he provided so many insights about the Westchase, Palm Harbor and Safety Harbor areas. He alerted us to concerns in houses that we didn't see and he continuously challenged us to think about the "must have" list to ensure we made the right decision for our family. For several months, Scott kept us informed about openings in a number of ways -- text, phone, email and even FaceTime. That kind of accessibility when you are working with a realtor in another state is so reassuring. We felt we had the highest level of service even though we were hundreds of miles away. One Sunday night, we called and said, "We're coming" to look at a house the next day -- Scott dropped everything to set up the appointment for a walk through of our dream house. That night, he and Marie led us through the purchase offer process and they negotiated the curveballs of the process in a strategic way so that within a few weeks, we closed on our dream home! A year later, we're still living the dream in our beautiful home with the perfect view near great schools and surrounded by awesome neighbors! We'd highly recommend the Tomlinson Team to anyone, but especially to families who are moving to Pinellas, Pasco or Hillsborough Counties from other states or areas of Florida. They will help you find the Florida home you've always wanted in the community that will fit your family's needs best! Mary Pat & Eric King, Palm Harbor, FL
As a young couple with big dreams, Scott and Marie surely have helped us reach our biggest... our new HOME! If you are searching for the best realtor out there for you, stop your research please. The Tomlinson Team is it. As their clients, words could not express how pleased we are about everything. It honestly felt like our satisfaction was their reward. Scott and Marie guided this first time home-buying couple every step of the way, as if we were their own family! Everything was so perfectly executed. There was an ample amount of care and professionalism that went into their work. We went through a VA loan and weren’t making a huge purchase but these two made us feel like we were there only clients. Even when our loan fell through initially, they gave us phenomenal references and we were able to salvage it. I’m 200% certain that Scott and Marie had our best interest in mind the entire time, as they would yours. They understood the importance of us getting our first home and did everything in their power to make sure we could. They educated us tremendously throughout the process and communicated every bit of information outstandingly. We are forever grateful for their unwavering support, dedication and hard efforts. We would not have landed the house we are in today without their expert guidance. Jacky and Julie
Thanks to the Tomlinson Team, our first home buying experience was a breeze! We had all sorts of preconceived ideas when it was time to purchase our first home. Honestly, those notions were all wrong. Scott and Marie took extensive time explaining the details of home buying, answered all questions timely and walked us through every single step assuring us that we were in the hands of experienced, passionate professionals. I can’t speak highly enough of the experience. It’s the little things they always get right, which is hard to quantify. I’ve even called and asked general questions months after the sale and they always return the inquiry in a short time. We wouldn’t use any other real estate professionals. We feel like we got lucky on the first try with the Tomlinson Team and we’re happy to call them our friends! The Dancy family
"Scott and Marie are fantastic to work with! We couldn't have asked for a better experience or more knowledgeable people when buying our first property! They knew what we wanted and showed us homes that fit our criteria. They were more than accommodating when working with the two of us and our crazy schedules! We will definitely be contacting them when it's time to sell and buy again! Thank you so much for helping us find our first home, "the chicken house". Jenny Davis and Chad Johnson
"We couldn't be more pleased with Scott and Marie in helping us find our new home. They were always courteous, helpful, informative and professional. They really aimed to please picky buyers such as us -- by phone, email or in person, they were always fast and reliable in getting back to us for anything we needed. In today's market, these qualities in a Realtor are invaluable in finding a home. I would highly recommend this Realtor "tag team" to anyone ... thanks Scott and Marie!" Josh & Tia Blauch
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Real Estate News

Latest Realty News from NAR

November 2018 Housing Affordability Index

At the national level, housing affordability is down from last month and down from a year ago. Mortgage rates rose to 4.99 percent this November, up 19.1 percent compared to 4.19 percent a year ago.

  • Housing affordability declined from a year ago in November moving the index down 10.6 percent from 161.0 to 144.0. The median sales price for a single family home sold in November in the US was $260,500 up 5.0 percent from a year ago.
  • Nationally, mortgage rates were up 80 basis point from one year ago (one percentage point equals 100 basis points).
  • The payment as a percentage of income was up from last month at 17.4 percent this November and up from 15.5 percent from a year ago. Regionally, the West has the highest payment at 23.8 percent of income. The Northeast had the second highest payment at 17.1 percent followed by the South at 16.8 percent. The Midwest had the lowest payment as a percentage of income at 13.7 percent.

  • Regionally, the Northeast recorded the biggest increase in home prices at 8.2 percent. The South had an increase of 3.8 percent while the West had a gain of 2.4 percent. The Midwest had the smallest growth in price of 1.6 percent.
  • Regionally, all four regions saw a decline in affordability from a year ago. The Northeast had the biggest drop in affordability of 14.4 percent. The South had a decline of 9.3 percent followed by the Midwest that fell 9.2 percent. The West had the smallest drop of 7.2 percent.
  • On a monthly basis, affordability is down from last month in all of the four regions. The Northeast region had the decline of 5.5 percent. The South had a decline of 2.0 percent followed by the Midwest with a dip of 1.8 percent. The West had the smallest dip in affordability of 0.7 percent.
  • Despite month-to-month changes, the most affordable region was the Midwest, with an index value of 181.9. The least affordable region remained the West where the index was 105.0. For comparison, the index was 148.8 in the South, and 146.4 in the Northeast.

  • Mortgage applications are currently up while credit availability is down. Rates are higher this month but are still historically low. Home prices are up 5.0 percent while median family incomes that are growing 3.0 percent. The job market is steady. More inventory is welcome on the lower end of the market whereas there is more supply of inventory for high priced homes.
  • What does housing affordability look like in your market? View the full data release here.
  • The Housing Affordability Index calculation assumes a 20 percent down payment and a 25 percent qualifying ratio (principal and interest payment to income). See further details on the methodology and assumptions behind the calculation here.

Throwback Thursday: First-Time Homebuyers Then and Now

In 1981 when NAR first started tracking the data, the average age of a first-time homebuyer was 29.  They made up 44 percent of all homebuyers.  Sixty-eight percent of first-time buyers were married couples, 12 percent were single female and 13 percent were single male (seven percent were other).

In contrast, in 2018, the average age of a first-time homebuyer was 46 and they accounted for 33 percent of all homebuyers.  Fifty-four percent were married couples, 18 percent were single female, 10 percent were single male, and 16 percent were unmarried couples (two percent were other).

In 1989, first-time buyers largely rented an apartment before they bought their home at 80 percent, and 15 percent lived with parents, relatives, or friends.  In 2018, the share of first-time buyers that lived in an apartment before they bought their home slipped to 71 percent while the share of those that had been living with parents, relatives, or friends previous to buying rose to 23 percent.

Planning to Buy a Home in 2019?

Mortgage rates are starting off 2019 at very good levels. In fact, mortgage rates declined, starting the new year with the 30-year fixed rate mortgage dipping to 4.5 percent last week from 5 percent a month ago, according to mortgage finance provider Freddie Mac[1]. After a year of gradual increases, mortgage rates are declining. Stock market volatility, global trade worries and the government shutdown are pushing rates down to their lowest levels since August.

But how do mortgage rates affect homebuyers? Fixed-rate mortgages are amortized over the life of the loan. That means that at the beginning of the loan term, most of the mortgage payment goes toward paying off interest. Over time, a larger percentage of the monthly payment is applied to the loan’s principal balance. Thus, when interest rates are low, homeownership is more affordable. If less is spent on interest, homebuyers may be able to afford a larger loan. However, higher rates increase the long-term cost of owning a house.

NAR calculated the monthly payment based on the mortgage rate in the first week of January (4.5 percent) and the rate (5.0 percent) that was previously expected. Nationwide, it is estimated that the monthly payment at 4.5 percent rate is $1,208, while a higher rate of 5.0 percent increases the monthly payments by $72 to $1,280.

The effect of the mortgage rates varies from location to location. In high-end areas, homebuyers are expected to benefit more from lower rates than homebuyers in other areas. For instance, in the San Jose-Sunnyvale-Santa Clara, CA metro area, comparing the monthly payment at 4.5 percent and 5 percent rates, homebuyers pay $353 less every month for their payment at a 4.5 percent rate. However, at the low-end areas, in Youngstown-Warren-Boardman, OH-PA, the monthly payment at 4.5 percent rate is $26 less compared to the payment at 5 percent rate.

The visualization below allows you to see how much the monthly payment changes at 4.5 and 5.0 percent rates for 178 metro areas:

We also calculated the monthly mortgage payment for 3,119 counties and county-equivalents in the United States. Please visit the following web page to see the monthly mortgage payment at the county level.

Thus, homebuyers can still benefit from lower rates. Although the average rate on the 30-year fixed rate sat just below 4 percent for a year in 2016, homebuyers should bear in mind that, back in 1982, the rate was over 17 percent for more than a year. Moreover, historically[2], the average mortgage rate is 8 percent. Therefore, rates are still historically low. Looking ahead, NAR is forecasting the 30-year fixed rate mortgage to average 4.9 percent for 2019 and 5.2 percent for 2020, respectively.

See below how the 30-year fixed mortgage rate has been trending since 1971:


[1] Primary Mortgage Market Survey, Freddie Mac.

[2] Between 1971 and 2019.

Seasonality in the Housing Market

Every year, transactions and prices tend to be above-trend in the summer while activity typically slows down in the winter. Seasonality plays an important role in the housing market since it has an impact on the housing demand and supply. In this post, we exclusively look at the (raw) non-seasonally adjusted numbers for existing home sales and prices to compute the extent of seasonality across the United States.

Since 1999, the National Association of REALTORS® has been releasing the existing home sales activity and prices each month. The statistics are accompanied by announcements which indicate the prior month’s activity:

“Total existing-home sales, which are completed transactions that include single-family homes, townhomes, condominiums and co-ops, increased 1.9 percent from October to a seasonally adjusted rate of 5.22 million in November.”

These headline figures are seasonally adjusted figures and are reported in the news.  However, using the example above, this was not the actual number of sales in November but the number of sales after adjusting for seasonality. For everyday practitioners, simple raw counts of home sales are often more meaningful than the seasonally adjusted figures.  The raw count determines income and helps better assess how busy the market has been.

NAR releases both the seasonally and non-seasonally adjusted estimates. Let’s take a closer look at the non-seasonally adjusted figures. The visualization below allows you to see the number of sales and level of prices for the last 19 years.

Both sales activity and prices follow the same trend. The number of home sales increases significantly in the spring season. Specifically, sales activity between February and March typically increases by 34 percent while prices rise by 3 percent. Sales continue moving upward in the following months, but it is interesting to see that the busiest home selling months are May, June, July and August. The average number of transactions during this four-month period is 2.1 million and accounts for 40 percent of the annual sales volume. Among these four months, June is typically the peak month of home selling activity.

In contrast, the slowest months of selling activity are November, December, January and February. When we compare the sales in the peak season with the activity in the slow season, we see that the total number of sales in the slow season accounts for 68 percent on average of the total activity in the peak season. For instance, the total sales volume was 2.2 million during May 2017 – Aug. 2017 while the number of sales was 1.5 million during Nov. 2017 – Feb. 2018. Among these four months, January is typically the slowest month of home selling activity.

Demand and mobility are highest in the summer, as the data on existing home sales indicate. It seems that homebuyers tend to move in the summer, and especially for renters who buy, they are even more likely to move at that time. For households with school-aged kids, the reasons of moving in the summer are obvious—it is a traditional time to move to new school districts. Nevertheless, while mobility trends are self-reinforcing, we see that households without kids tend to move in the summer as well.

Regional Seasonality

However, the seasonality of a market varies from location to location. It is very interesting to see that selling activity in Midwest and Northeast gets much busier in the peak season than in any other region in the United States. For instance, in the Midwest, sales in the slow season account for 60 percent of the sales in the peak season compared to 71 percent in the West. In 2009, all regions experienced the highest effects of seasonality. For example, in the Northeast region, sales in the slow season were half of the sales in the peak season. The visualization below compares the sales activity between these two periods for all four regions.

Thus, the housing activity early in the year provides clues about the rest of the year. If the activity in the slow, winter months is higher than last year’s activity, then this should suggest that existing home sales activity might be busier during the peak season as well.

REALTORS® Confidence Index Survey: November 2018 Highlights

The REALTORS® Confidence Index (RCI)[1]  survey gathers monthly information from REALTORS® about local real estate market conditions, characteristics of buyers and sellers, and issues affecting homeownership and real estate transactions.[2] This report presents key results about market transactions from November 2018. View and download the full report here.

Market Conditions and Expectations

  • The REALTORS® Buyer Traffic Index registered at 44 (62 in November 2017).[3]
  • The REALTORS® Seller Traffic Index registered at 38 (45 in November 2017).
  • The REALTORS® Confidence Index—SixMonth Outlook Current Conditions registered at 54 for detached single-family, 43 for townhome, and 41 for condominium properties. An index above 50 indicates market conditions are expected to improve.
  • Properties were typically on the market for 42 days (40 days in November 2017).
  • Seventy-five percent of respondents reported that home prices remained constant or rose in November 2018 compared to levels one year ago (88 percent in November 2017).

Characteristics of Buyers and Sellers

  • First-time buyers accounted for 33 percent of sales (29 percent in November 2017).
  • Vacation and investment buyers comprised 13 percent of sales (14 percent in November 2017).
  • Sales of distressed properties (foreclosed or sold as a short sale) accounted for two percent of sales (four percent in November 2017).
  • Cash sales made up 21 percent of sales (22 percent in November 2017).
  • Twenty-two percent of sellers offered incentives such as providing warranty (9 percent), paying for closing costs (9 percent), and undertaking remodeling (3 percent).[4]

Issues Affecting Buyers and Sellers

  • From September–November 2018, 76 percent of contracts settled on time (75 percent in November 2017).
  • Among sales that closed in November 2018, 74 percent had contract contingencies. The most common contingencies pertained to home inspection (57 percent), getting an acceptable appraisal (42 percent), and obtaining financing (40 percent).
  • REALTORS® report “interest rate” and “low inventory” as the major issues affecting transactions in November 2018.

About the RCI Survey

  • The RCI Survey gathers information from REALTORS® about local market conditions based on their client interactions and the characteristics of their most recent sales for the month.
  • The November 2018 survey was sent to 50,000 REALTORS® who were selected from NAR’s 1.3 million members through simple random sampling and to 9,531 respondents in the previous three surveys who provided their email addresses.
  • There were 5,421 respondents to the online survey which ran from December 3-10, 2018. The survey’s overall margin of error at the 95 percent confidence level is one percent. The margins of error for subgroups and sample proportions of below or above 50 percent are larger.
  • NAR weighs the responses by a factor that aligns the sample distribution of responses to the distribution of NAR membership.

The REALTORS® Confidence Index is provided by NAR solely for use as a reference. Resale of any part of this data is prohibited without NAR’s prior written consent. For questions on this report or to purchase the RCI series, please email: Data@realtors.org


[1] Thanks to George Ratiu, Managing Director, Housing and Commercial Research and Gay Cororaton, Research Economist for their data analysis and comments to the RCI Report.

[2] Respondents report on the most recent characteristics of their most recent sale for the month.

[3] An index greater than 50 means more respondents reported conditions as “strong” compared to one year ago than “weak.” An index of 50 indicates a balance of respondents

who viewed conditions as “strong” or “weak.”

[4] The difference in the sum of percentages to the total percentage of sellers who offered incentives is due to rounding.

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