October in Key West isn’t just about Fantasy Fest and shoulder-season specials—it’s also the peak of hurricane season in the Florida Keys. While the official season runs from June through November, late September and October often bring the strongest storms. For homeowners in Monroe County, this month is all about staying prepared, protecting property, and making sure you’re storm-ready. Here’s your October checklist to keep your Key West home safe. 1. Review Your Insurance Policies Flood Insurance: Monroe County is almost entirely within FEMA’s flood zones, so flood coverage is crucial. Standard homeowners' insurance does not cover flood damage. Windstorm Coverage: Florida law requires windstorm insurance in high-risk areas like the Keys. Double-check deductibles and exclusions before storm season peaks. Update Inventory: Take photos or videos of valuables for documentation—this makes claims smoother if damage occurs. 2. Inspect and Secure Your Property Roof & Gutters: Look for loose shingles, leaks, or clogged gutters that could cause water intrusion. Windows & Shutters: If you don’t have impact windows, ensure your hurricane shutters are working and accessible. Many Key West homes rely on traditional metal panels or accordion shutters—test them now, not during a storm watch. Yard & Outdoor Areas: Trim trees, secure patio furniture, and store items that can turn into dangerous projectiles. Boats & Docks: If you own waterfront property, check mooring lines and dock cleats. Monroe County advises double-tying vessels or hauling them if possible. 3. Prepare Emergency Supplies Every Florida Keys household should have: At least 7 days of non-perishable food and water (1 gallon per person per day). Flashlights, extra batteries, and solar phone chargers. A fully stocked first-aid kit. Medications and pet supplies. Cash in small bills (ATMs may be down after storms). Pro tip: Check Monroe County Emergency Management’s Hurricane Preparedness Guide for updated local requirements and evacuation info. 4. Know Evacuation Routes & Zones Monroe County uses phased evacuation orders (visitors, mobile home residents, special needs, then general population). US-1 is the only road out of the Keys—leaving early is essential to avoid gridlock. Check your zone on the Monroe County evacuation map. 5. Update Your Hurricane Plan Communication: Decide how your family will stay in touch if cell towers are down. Shelters: Identify the nearest Monroe County storm shelter, but remember they are limited in capacity. Pets: Only specific shelters allow pets, and pre-registration is often required. 6. Partner With Local Resources Monroe County Emergency Management: Real-time alerts via AlertMonroe . City of Key West: Local storm updates and recovery info. Florida Keys Electric Cooperative (FKEC) / Keys Energy Services: Utility outage updates. October is crunch time for hurricane prep in the Florida Keys. By reviewing insurance, securing property, and stocking supplies, Key West homeowners can face the season with confidence. While we all hope for calm seas and sunny skies, being prepared ensures you protect not just your home, but your peace of mind. Remember: in the Keys, preparedness is part of island living. Take October seriously, and never underestimate the possibility of a Fantasy Fest hurricane (ah hem... Hurricane Wilma)

The Florida Keys are famous for turquoise waters, laid-back island vibes, and a steady stream of visitors year-round so it’s no surprise that many buyers dream of owning a vacation rental property here. A vacation rental can act as both a getaway spot and a source of income. But before the season kicks off, there are a few key things to know about licensing, demand, and return on investment (ROI) if you’re eyeing a short-term rental in the Keys. 1. Licensing & Regulations Short-term rentals in Monroe County (which includes Key West, Marathon, Islamorada, and the Lower Keys) are tightly regulated. Each municipality has its own rules, so what’s allowed in one Key might not be in another. Vacation Rental Licenses: Properties rented for fewer than 30 days usually require a special license from the city or county. For example, in Key West, a Transient Rental License is needed. These are limited and can be pricey. Zoning Rules: Some neighborhoods restrict or ban short-term rentals altogether to preserve residential character. Always check zoning maps before you buy. State & County Requirements: You’ll also need to register with the Florida Department of Business and Professional Regulation (DBPR) and the county for bed tax collection. Tip: Work with a local realtor who knows the ins and outs of vacation rental licensing—it can save you costly headaches later. 2. Demand: Why Rentals Stay Hot Tourism is the lifeblood of the Florida Keys, and demand for vacation rentals shows no signs of slowing. Year-Round Appeal: Winter brings snowbirds, spring and summer bring families, and fall is packed with events like Fantasy Fest in Key West. Higher Rates in Season: From December through April, nightly rates peak thanks to strong demand. Buyers who close before the season can hit the ground running with bookings. Shift Toward Private Stays: More travelers are choosing vacation homes over hotels for space, privacy, and local charm—fueling steady demand. 3. ROI: Crunching the Numbers Owning a vacation rental here can be profitable, but ROI depends on smart planning. Average Nightly Rates: In Key West, rentals often fetch $300–$700+ per night , depending on location and amenities. Waterfront homes and properties with pools command the highest rates. Occupancy Rates: Properties in the Keys can see 65–75% occupancy annually, higher in peak season. Operating Costs: Factor in property management fees (10–20% if you hire a local company), cleaning, insurance (flood + windstorm), utilities, and maintenance. Long-Term Value: Beyond rental income, property values in the Keys historically hold strong thanks to limited land and high demand for island living. 4. Lifestyle & Community Considerations Buying a vacation rental here isn’t just a financial decision—it’s about joining a community. Local Flavor: Each Key has its own vibe. Key West is lively and historic, Islamorada is a sportfishing hub, Marathon is family-friendly, and the Lower Keys are more secluded. Responsibility as a Host: Vacation rentals bring you into the heart of the community. Responsible ownership—respecting noise ordinances, trash schedules, and neighbors—helps maintain harmony. Personal Use: Many buyers balance personal enjoyment with rentals, blocking off weeks for family and renting out the rest of the year. Buying a vacation rental in the Florida Keys can be a smart investment and a lifestyle upgrade. But success comes down to preparation: understanding licensing, recognizing demand patterns, and running the numbers honestly. With the season just around the corner, now’s the time to explore opportunities so you’re ready to capture the winter rental rush. If you're thinking of exploring the vacation rental market of the Florida Keys contact one of our local real estate experts to guide you home.

If you’re buying or selling property in the Florida Keys, you’ve probably heard the term “closing costs” tossed around. But what exactly are these costs, and more importantly, who pays for what in Monroe County? Closing costs are the fees and expenses that come due at the end of a real estate transaction, on top of the purchase price of the property. They include things like title insurance, transfer taxes, lender fees, and recording charges. And while they can feel overwhelming, knowing what to expect (and who typically pays) can make the process much smoother. What Are Closing Costs? Closing costs generally run 2% to 5% of the home’s purchase price, depending on the type of property, financing, and negotiation terms. In Monroe County (which includes Key West, Marathon, Islamorada, and the Lower Keys), closing costs follow some standard local practices, though everything is ultimately negotiable. Buyer’s Closing Costs in Monroe County In most Monroe County transactions, buyers are responsible for: Title Insurance (Buyer’s Policy)* Protects the buyer (and their lender) against defects in the title. Buyer Broker Commission While this is a buyer cost, it's your real estate agent's job to negotiate with the seller to have them either pay the commission or contribute towards it. Loan-Related Fees Origination fees, appraisal, credit report, underwriting, and other lender charges. Recording Fees Charged by Monroe County to record the deed and mortgage documents. Survey If required by the lender or title company, a property survey ensures boundaries are clear. Inspection Fees General home inspection, wind mitigation, and four-point inspection (common in Florida due to insurance requirements). Seller’s Closing Costs in Monroe County Sellers typically cover a different set of costs, including: Title Insurance (Owner’s Policy)* In Monroe County, it’s customary for the seller to pay for the owner’s title insurance policy. This protects the buyer’s ownership rights after the sale. Documentary Stamp Tax (Doc Stamps) A state tax on the transfer of property. Calculated as $0.70 per $100 of the purchase price (or fraction thereof). For example, on a $1,000,000 property, the doc stamps would total $7,000—a significant seller expense. Real Estate Commission Usually the seller pays both the listing agent and buyer’s agent commissions, unless negotiated otherwise. HOA/Condo Dues (Prorated) Any unpaid homeowners’ association or condo fees are settled at closing. Municipal Liens or Code Compliance If there are open permits or code violations, sellers typically must resolve these prior to closing. Shared or Negotiable Costs Some costs can be split between buyer and seller, or negotiated as part of the deal. These often include: Title Insurance Escrow Fees: The cost of the closing agent’s services. Home Warranty: Sometimes offered by the seller as an incentive. Repairs or Credits: If inspections reveal issues, buyers may request repairs or a credit toward closing costs. Example Breakdown on a $1,000,000 Sale Here’s a simplified snapshot of what closing costs might look like in Monroe County: Buyer Pays: Loan origination & lender fees: $7,000–$12,000 Title insurance (lender’s policy): $2,500–$3,500 Inspections & survey: $1,000–$1,500 Recording fees: $300–$500 Seller Pays: Doc stamps: $7,000 Title insurance (owner’s policy): $2,500–$3,500 Realtor commissions: typically 5–6% of sale price ($50,000–$60,000) HOA/condo prorations or payoff of any liens Tips for Buyers and Sellers For Buyers: Budget beyond your down payment—closing costs can add up quickly. Ask your lender for a Loan Estimate early in the process. Consider negotiating seller credits to offset some expenses. For Sellers: Know your doc stamp and commission obligations before you list - ask your listing agent for a Net Seller Sheet so you can have an idea of what your bottom line is when you are negotiating. Be proactive about resolving open permits or HOA issues. Offering to cover part of the buyer’s costs can sweeten the deal in a competitive market. In Monroe County, closing costs can feel like a maze, but they don’t have to be stressful. The key is knowing what’s customary in the Keys, planning, and working with a knowledgeable local realtor and title company. It doesn't matter if you're buying your first slice of paradise in Key West or selling a long-loved home in Islamorada, understanding who pays what at the closing table will help you to be prepared for negotiations and ensure that you have all the information you need to make an educated decision as a buyer or a seller.

October in Key West isn’t just about cooler breezes and lively festivals—it’s also a month packed with hot business deals you won’t want to miss . From irresistible real estate opportunities to local promotions and partnerships heating up the island, this is the time when smart investors and savvy shoppers alike find their edge. Whether you’re a business owner, entrepreneur, or simply love supporting local, these Key West deals are your ticket to making October your most rewarding month yet. Hey Monroe County locals — it’s time to treat yourself! 💆‍♀️💆‍♂️ This month, enjoy a Luminescence FaceLifting Massage — a deeply relaxing and rejuvenating treatment available in 60- or 90-minute sessions. Feel refreshed, renewed, and glowing from the inside out! 🌟 This exclusive pricing is for Monroe County residents only, with your discount applied at your appointment. 📅 Book your session online: [ BookaMassageatAmyLGalipeau ] Don’t miss this chance to relax island-style and give your skin the care it deserves! 💖 Good news, Monroe County residents — our Locals Special has been extended at Grand Cafe! 🎉 Enjoy 50% off food, beer, and wine through October 20th! Just show your Monroe County ID to claim the deal. 🍝 The Fun’s Not Over Yet! 🎉 Great news, locals — Antonia’s Restaurant is keeping the good times (and good food) going by extending their Local Deal! 🙌 I tried the Gnocchi Bolognese last week and WOW — absolutely delicious! 🤩 Don’t miss your chance to enjoy Antonia’s local flavors a little longer. Go treat yourself — you’ve earned it! 💛 🌴 Locals Love Continues at Thirsty Mermaid! 🐚🍴 We always ❤️ our LOCALS! ✊ Why stop in September when the fun can keep going? Thirsty Mermaid has officially extended their Locals Deal! 🎉 So come on by, enjoy your favorite dishes, and soak up that Key West vibe. Don’t miss out — treat yourself today! 💙 🎉 BIG NEWS, LOCALS! 📣 You showed us major love this September, so we’re keeping the party going! 🙌 Now through October 16th, show your Monroe County ID and enjoy 30% off food + 20% off drinks at The Thirsty Mermaid! 🍴🍹 See you on Greene Street — let’s toast to our amazing locals! 💙 LOCALS APPRECIATION at Seven Fish! 🐟🍷 Hey Key West locals! Our SAME DEAL FOR LOCALS  is back! 💥 50% OFF food🍷 50% OFF bottles of wine under $100🍴 Dine-in only | Valid Monroe County ID required 💳 20% gratuity on pre-discount total 📅 October 1–31 — reserve your table on OpenTable ! Come enjoy fresh, local seafood and celebrate the island spirit with us at Seven Fish! 🐚

October in Key West means one thing: Fantasy Fest. The parades, costumes, body paint, and all-night parties take over the island, drawing thousands of visitors from around the world. But here’s a little insider tip: while the streets are buzzing with feathers and glitter, the real estate market is surprisingly quiet. And for buyers, that’s actually a really big deal. Why October is “Sneaky-Good” for Buyers 1. Fewer Buyers in the Market Most visitors in town during Fantasy Fest are here for fun, not house-hunting. That means you’ll be competing with fewer serious buyers if you’re looking at homes in October. Less competition = more negotiating power. 2. Motivated Sellers Want to Deal Some sellers don’t want their homes sitting through the busy winter season, especially if they’ve had their property on the market since summer. Fantasy Fest week often brings motivated sellers who are ready to accept strong offers before the holidays. 3. Beat the Winter Rush Once November hits, “snowbird season” begins. Buyers from up north fly in looking for their Key West retreat, and inventory moves faster. Buying in October gives you the chance to lock in a property before the winter crowd drives up competition. The Real Estate Market Right Now Here’s where things stand heading into October 2025: Median Listing Price: About $1.5 million, up 4.5% from last year. Average Home Value: Around $1.03 million, slightly down year-over-year, which gives buyers more room to negotiate. Days on Market: Homes are averaging 77 days, so properties are staying on the market longer. Mortgage Rates: Sitting at ~6.5%, the lowest we’ve seen in months—a bonus for financing. Strategy for Buyers This October If you’re considering buying in Key West, here’s how to make the most of this unique timing: Shop During the Festival: While everyone’s distracted by costumes and cocktails, schedule showings. You’ll be one of the few serious buyers out there. Look for Listings Sitting a While: Homes that have been on the market since summer may have sellers more open to negotiation. Act Before November: Once the snowbirds arrive, expect multiple-offer situations to return—especially for well-priced and staged homes. Fantasy Fest may be Key West’s biggest party of the year, but it’s also a hidden window of opportunity for buyers. With fewer people shopping, motivated sellers, and favorable mortgage rates, October is a sneaky-good time to make your move in paradise. So go ahead, enjoy the parades, throw on some beads, but maybe also sneak in a property tour while you’re here. You just might find your dream home before the winter rush.

Pumpkin Spice Season has hit The Florida Keys and while we may not get the crisp autumn air that typically accompanies it we do have a fresh look at what’s going on in the Key West housing market. Prices: Up, Down, and Everything In Between Let’s talk numbers. As of late summer, the median listing price in Key West is hovering around $1.5 million, up about 4.5% from last year. On the flip side, Zillow shows the average home value closer to $1,032,000, actually down 5.6% year-over-year. Confused? Don’t be. It just means some sellers are aiming high with list prices, while buyers are negotiating smart. The silver lining? Homes are still selling strongly, with the average price per square foot hitting $1,027, which is 4% higher than last year. Inventory & Market Pace: More Choices, Slower Moves If you felt like the market was moving at lightning speed in recent years, you’ll notice things have cooled a bit. Homes are now averaging 77 days on the market, compared to just 52 days in 2023. That’s nearly a month longer, giving buyers more breathing room. Inventory is also picking up. Across Florida, we’re seeing about 5.4 months of supply, which means more options are popping up—and the days of multiple offers in the first 24 hours are less common. Mortgage Rates: A Breath of Fresh Air Here’s some good news for buyers: mortgage rates have dipped to the lowest we’ve seen in almost a year. That little drop can make a big difference in monthly payments, especially in a market like Key West, where prices are on the higher end. What This Means for You If you’re buying: You’ve got more time, more options, and (thankfully) slightly better financing conditions. This fall could be the perfect time to snag a home before winter buyers flood the market. If you’re selling: Price it right. Homes that match today’s market reality are still selling strongly, but overpriced listings are sitting and eventually getting reduced. Staging, marketing, and transparency (think insurance and flood info) go a long way in winning serious buyers. Looking Ahead: October Into Season Key West is settling into a more balanced market. We’re not in the frenzy of 2021–2022 anymore, but that’s not necessarily bad news. Sellers can still capture solid value, and buyers finally have room to negotiate without feeling rushed. As we move into the season, we expect demand to pick up again. The snowbirds are preparing to fly south for the winter and serious buyers are always ready to act once they hit the island. Quick Market Snapshot Metric Status (Fall 2025) Median Listing Price ~$1.5M (+4.5% YoY) Average Home Value ~$1.03M (-5.6% YoY) Sold Price per Sq. Ft. $1,027 (+4% YoY) Days on Market 77 (slower sales) Mortgage Rates ~6.5% (10-month low) Market Vibe Balanced, opportunity-rich October is shaping up to be an interesting month in Key West real estate. Buyers finally have some wiggle room, while sellers who play it smart are still closing strong deals. With season right around the corner, take advantage of this window of opportunity with reduced rates & a surplus of inventory to make your Florida Keys homeownership dreams a reality.

When most people think of Key West, they picture winter sunshine and peak tourist season. But ask any Conch or longtime resident, and they’ll tell you—fall is one of the best-kept secrets of island living. From October through early December, Key West takes on a relaxed, locals-first vibe that makes it a special time not just to live here, but also to buy. Cooler Temps, Calmer Days After a hot and humid summer, fall in Key West brings slightly cooler temperatures and refreshing breezes. It’s the kind of weather that makes bike rides down Whitehead Street or evening walks along the harbor a joy again. Without the heavy crowds, beaches, parks, and popular spots feel like your own backyard. Fewer Crowds, More Space Fall is considered the “shoulder season” in the Keys. That means: Shorter waits at restaurants like Blue Heaven or El Siboney. Easier reservations for sunset sails and snorkeling trips. Quieter streets and easier parking (a rare treat in Old Town!). For locals, this is when the island feels more intimate—neighbors reconnect, businesses run specials, and you can enjoy the best of Key West without the hustle. Community Events That Shine Fall isn’t just quiet—it’s also festive. From the quirky and colorful Fantasy Fest in October to smaller art walks, live music events, and charity fundraisers, fall is a season of community connection. Locals love this time of year because events feel less tourist-driven and more about celebrating the island’s unique culture. Real Estate Opportunities Before the Rush Here’s where it gets especially interesting for buyers: Less Competition: Many second-home buyers and snowbirds wait until December to start shopping, which means fewer people bidding in the fall. Motivated Sellers: Homeowners who listed during the summer often want to close before the season begins, making October and November prime months for negotiation. Better Timing: Closing in the fall gives you time to settle in before the holiday season and high-rental demand in winter—perfect if you’re eyeing investment potential. Why Locals Love Fall For those who call Key West home year-round, fall is when the island breathes. Business owners thank locals with special discounts, neighbors gather for festivals, and the slower pace gives everyone a chance to enjoy paradise without the peak-season frenzy. Fall in Key West is more than just a change of season; it’s a celebration of local life, island culture, and opportunity. With cooler weather, fewer crowds, plenty of community spirit, and real estate openings before the winter rush, it’s truly one of the best times to live here—and an underrated time to buy.

Buying a home in the Florida Keys is a dream come true — but that dream comes with a unique responsibility: storm protection. As beautiful as island living is, homes in the Keys must be ready to face hurricanes, tropical storms, and seasonal flooding. Knowing what to look for can save you thousands on insurance, protect your property, and give you priceless peace of mind (so can the right real estate agent 😉). In this guide, we're sharing the storm-readiness features buyers should prioritize, plus must-ask questions during home showings. 🪟 1. Look for Impact-Rated Windows & Doors Why it matters: Impact-rated windows and doors are built to withstand flying debris and high winds. They not only reduce your risk of storm damage but also qualify you for insurance discounts under Florida’s Wind Mitigation Program. What to check: Are all windows and doors impact-rated, or are there manual storm shutters instead? Check for a visible manufacturer label and verify compliance with the Florida Building Code Ask for documentation or a recent wind mitigation report 🔍 Bonus:  Impact glass also offers UV protection and energy efficiency — perfect for Florida’s sunny climate. 🏠 2. Know the Home’s Elevation and Flood Zone Why it matters: The lower the elevation, the higher the flood risk — and the higher the insurance premiums. Homes in zones AE or VE may require flood insurance, which can significantly affect monthly costs. What to ask: What flood zone is the property in? Does the seller have an elevation certificate? Has the home ever flooded, and are there any mitigation systems (e.g., sump pumps, raised HVAC systems)? 🏡 Pro Tip:  Elevated stilt homes tend to perform better during storm surge and may offer lower flood insurance costs. 🛠️ 3. Ask About Roof Age and Rating Why it matters: In a hurricane, the roof is your first line of defense. A newer, hurricane-rated roof with tie-down straps or clips adds structural integrity and can slash insurance premiums. What to ask: When was the roof last replaced? Does it meet Miami-Dade hurricane standards or Florida Building Code? Is there a current wind mitigation report? 📋 Note:  Roofs older than 20 years may need updating for insurance eligibility. 🔌 4. Check Backup Systems & Storm Readiness Features What to look for: Permanent or portable generators Hurricane-rated garage doors Reinforced fencing or secured outdoor features Drainage systems or raised landscaping to divert water 🔦 Ask: How long can the home function off-grid in a power outage? Where is the generator located and is it serviced regularly? 💵 5. Understand Insurance Discounts & Potential Savings Homes with proper storm protection may qualify for substantial insurance discounts, particularly on windstorm and flood policies. Ask the seller or agent: Is there a current wind mitigation or four-point inspection available? What insurance discounts are currently applied to the policy? 💡 ShineGroup Insight:  Some buyers inherit discounts from the previous owner’s policy — ask your agent to confirm what carries over. 📋 Questions to Ask During Home Showings Use this checklist to guide your showing and protect your investment: ✅ Are windows and doors impact-rated or are shutters installed? ✅ What flood zone is the property in? ✅ Is there an elevation certificate? ✅ When was the roof installed and what is its wind rating? ✅ Are there any insurance discounts currently applied? ✅ Has the home experienced previous storm or flood damage? ✅ Are HVAC and electrical systems elevated or storm-secured? ✅ Is there a backup generator or surge protection in place? Let ShineGroup Help You Buy Smart — and Safe At ShineGroup, we specialize in helping buyers find homes that are not only beautiful and functional — but resilient. Our team will guide you through flood zones, inspections, and insurance requirements so you can buy with clarity and confidence.

The real estate market in Key West & The Lower Keys areas has seen a mix of trends in 2025. While prices are still climbing, buyer demand has started to show signs of slowing down. Let’s break it down by area. Market Outlook for the Rest of Q3 Here we go into the last month of Q3 and what I consider to be one of the best times for a buyer in the last 5 years. Markets like predictability and the first part of 2025 has been anything but predictable which has in turn resulted in buyer hesitancy. This hesitancy has caused buyers to pause and that pause has resulted in more inventory, longer days on market, and sellers willing to negotiate, pay closing costs, and be much more amenable to making a deal than in months past. If you're in The Keys we have downpayment assistance programs available for First Time Homebuyers where qualified borrowers can receive up to $90,000 in closing cost assistance. There has been talk of a possible rate reduction at the next Fed meeting in September however the markets have already started to anticipate this and we are starting to see rate reductions in anticipation of the official announcement. Let me repeat, if you are a home buyer, NOW is your time. Not next month, not next year, NOW. 33040 Market Trends In 33040, the market has seen more ups and downs, with inventory rising but buyer interest cooling. Prices: The average list price decreased slightly from $1.98M in June to $1.97M in July. Median sale prices showed some resilience, rising to $930K in July. Inventory & Activity: Active listings grew, but pending sales fell sharply from 149 in June to 108 in July, reflecting a slow summer. Market Speed: Homes are taking longer to sell, with average days on market rising to 120. Sellers in this area may need to adjust their pricing strategies as buyers become more cautious and take longer to commit. 33042 Market Overview In 33042, we saw a mix of rising prices and faster sales, especially for higher-priced homes. Prices: The average list price continued to climb, reaching $2.1M in July 2025. Median sale prices recovered in July, rising to $1.05M from $970K in June. Inventory & Activity: Active listings remained stable, and while pending sales peaked in June, they eased in July, indicating a seasonal slowdown. Market Speed: Homes sold faster than in 2024, with average days on market dropping to 84. Despite some seasonal shifts, demand remains strong in this area, particularly for higher-priced homes. Market Outlook for the Rest of 2025 As we move into the second half of the year, expect a more balanced market. While prices have generally been constant, cooling buyer demand in some areas might give buyers more negotiating power. For Buyers: With more inventory and slowing pending sales, buyers might find more options and better chances for negotiation, especially if prices stabilize or dip. For Sellers: Sellers should be prepared for longer market times. Adjusting expectations and being flexible on price may help move properties faster. Overall, the 33043, 33040, and 33042 markets offer a mix of stability, increasing inventory, and changing buyer behavior. Both buyers and sellers should stay flexible as we head toward the end of 2025.

Looking to savor the best of Key West this September? Well you're in luck! September is what we like to call a month of local lovin! Traditionally a slower time of year for tourists, business owners roll out the red carpet for "second summer". The time of year when kiddos are back in school and us locals get the islands to ourselves. For the most up to date local discount and incentives, check out the facebook page Key West Local Deals . Dolphin Research Center We love our Florida Keys locals, and this September 6th, we’re celebrating YOU! The Dolphin Research Center invites all community members for a day filled with fun, learning, and connection. Free General Admission for Locals Bring your family, friends, and neighbors along to experience the magic of the Dolphin Research Center without cost as our way of saying thank you for being an important part of the Keys family. Ocean Wellness Spa & Salon Relax and recharge with exclusive deals for Florida Keys locals at Ocean Wellness Spa & Salon! From August 11 through September 30, 2025, enjoy: • 20% OFF on 60-minute (or longer) massages, body treatments, and facials • 15% OFF on all nail services Simply show your local ID and treat yourself this season, you deserve it! Local Love at 5 Brothers! We’re showing our loyal locals some extra love this month! From August 25 through September 30, 2025, enjoy 20% OFF at 5 Brothers Grocery & Sandwich Shop. It’s the perfect time to grab your favorite coffee, sandwiches, and classic Cuban bites while saving big. Stop by, show your local pride, and take advantage of this limited-time offer! Don’t Miss Out on These Local Perks September in Key West is the perfect time to explore, relax, and support our local businesses while saving a little money along the way. Spa treatments, dining discounts, resort specials, and exclusive attraction passes... If you’re a local, now’s your chance to enjoy the best of what our island has to offer while supporting the businesses that make our community so special. Don’t wait—many of these offers are only available for a limited time. Take advantage of the savings, treat yourself, and experience Key West in a whole new way this month. We’ll see you around town enjoying these local-only perks!

Celebrate Our Florida Keys Community at Dolphin Research Center – September 6th We love our Florida Keys locals, and this September 6th, we’re celebrating YOU! The Dolphin Research Center invites all community members for a day filled with fun, learning, and connection. Mark your calendars and get ready to enjoy a special day designed just for our local community. Free General Admission for Locals That’s right, general admission is FREE for this event! Bring your family, friends, and neighbors along to experience the magic of the Dolphin Research Center without cost. It’s our way of saying thank you for being an important part of the Florida Keys family. What to Expect This one-day celebration will feature: • Exciting raffle drawings with fantastic prizes. • Unique opportunities to engage with marine life and learn more about dolphins. • A welcoming atmosphere where locals can come together and celebrate community spirit. Whether you’re a long-time resident or new to the Keys, this event is the perfect way to connect with others while enjoying the beauty of the Dolphin Research Center. Events like these don’t happen every day! Not only will you get to explore the incredible programs at Dolphin Research Center, but you’ll also enjoy a fun-filled day with your fellow locals. Plus, who doesn’t love a free ticket and a chance to win in raffles? Reserve Your Free Ticket Today Spots are limited, so don’t wait! Reserve your FREE general admission ticket today and join us for a memorable community celebration. 👉 Reserve Your Free Ticket Here Event Details • Date: September 6, 2025 • Location: Dolphin Research Center, Florida Keys • Admission: FREE for locals We can’t wait to see you there! Join us in celebrating our amazing Florida Keys community with dolphins, raffles, and plenty of smiles.

From buying your first home to paying off your mortgage or upgrading to an investment property, highlight milestones and how ShineGroup helps clients reach them. Buying a home is more than a transaction — it's a journey. From unlocking the door to your first house, paying off your mortgage, or investing in property, every step is a milestone worth celebrating. These moments not only mark personal achievements, but also set the foundation for long-term financial freedom. At ShineGroup, we’ve proudly helped clients in the Florida Keys and beyond reach these major homeownership goals — and we’re here to help you do the same. Here’s a guide to the key milestones and how to hit each one with confidence. 1. Buying Your First Home Buying your first home is a huge win — and likely the largest investment you’ve ever made. But it can also be overwhelming without the right support. Tips to Reach This Milestone: Build your credit score and savings Explore first-time buyer programs in Florida Get pre-approved for a mortgage Work with a local expert who understands the Florida Keys real estate market ✨ How ShineGroup Helps: We simplify the process from start to finish, helping you understand your financing options, navigate inspections, and find homes that fit your lifestyle and budget. 2. Turning Your Home Into an Investment Once you’ve settled in, your property can work for  you. Whether through vacation rentals or long-term tenants, real estate is one of the most powerful tools for building passive income. Tips to Reach This Milestone: Research short-term rental zoning laws in the Florida Keys Calculate potential rental income and expenses Leverage equity from your first home Start small with a guest suite or studio ✨ How ShineGroup Helps: We’ll help you identify properties with high ROI potential, connect you with local property managers, and ensure you’re compliant with all licensing and permit requirements. 3. Paying Off Your Mortgage Eliminating your mortgage is one of the most liberating financial milestones. It means more cash flow, more security, and a fully owned asset. Tips to Reach This Milestone: Make extra payments toward principal Refinance to a shorter loan term if rates drop Use windfalls (bonuses, tax returns) to chip away at your balance ✨ How ShineGroup Helps: Our advisors can help you create a realistic payoff plan and discuss strategies to build equity faster  — whether it’s through refinancing or smart home upgrades. 4. Upgrading to Your Dream Home As your needs evolve, your home should too. Whether you need more space, prefer a waterfront view, or want a home office, upgrading is a rewarding next step. Tips to Reach This Milestone: Know your current home’s value Time your move based on market conditions Sell strategically — and buy smart ✨ How ShineGroup Helps:We’ll help you list your current home for top dollar, find your ideal upgrade, and handle the transition smoothly — minimizing stress and maximizing your investment. 5. Creating a Real Estate Portfolio Reaching this level means you’ve moved beyond owning a single home — now, you’re building a real estate legacy. Tips to Reach This Milestone: Partner with experienced agents and CPAs Diversify your property types (residential, vacation, multi-family) Understand cash flow vs. appreciation strategies ✨ How ShineGroup Helps:With deep market knowledge and local insights, we’ll help you identify high-performing properties and scale your investments intelligently.  Ready to Reach Your Next Milestone? Whether you’re a first-time buyer, seasoned investor, or somewhere in between, ShineGroup is your trusted partner in every phase of the homeownership journey. Let us help you: ✅ Build wealth through real estate ✅ Navigate the Florida Keys market with confidence ✅ Celebrate each milestone with expert support 📞 Schedule a free consultation today and discover how we can help you reach your real estate goals in paradise.