Blog

Author: keithdemming-com

  • Florida’s Proposed Property Tax Changes: What Property Owners Should Know About The 2026 Save Our Homes Proposal

    Florida’s Proposed Property Tax Changes: What Property Owners Should Know About The 2026 Save Our Homes Proposal

    Important changes could be on the horizon for Florida property owners. In 2026, voters will consider an amendment that would raise the homestead exemption for non-school taxes to $250,000 by 2028. Additionally, many non-homestead properties may see their annual assessment cap lowered to 5%, starting January 2027. As someone who guides clients through residential, commercial, and investment opportunities in the Tampa Bay area, I know how even subtle shifts in tax policy can shape your real estate decisions—whether you're seeking your first home or managing a portfolio. My focus is always on providing knowledgeable, concierge-level service, so you can make informed choices with confidence. Staying ahead of these potential changes is part of delivering on the trust you place in me for clear, strategic guidance. Your goals—and your peace of mind—matter here.

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  • Hillsborough County Homeowners Can Now Tap Into Funds For Essential House Repairs

    Hillsborough County Homeowners Can Now Tap Into Funds For Essential House Repairs

    For homeowners in Hillsborough County, there’s important news: the Owner-Occupied Rehabilitation Program is opening doors for those needing essential repairs—whether it’s roofing, electrical, plumbing, or weatherization. As someone who serves the Tampa Bay area with a focus on helping individuals and families achieve their real estate goals, I know how vital a well-maintained home is for both comfort and peace of mind. If your property is single-family, has held homestead exemption for at least two years, and you meet the income requirements, these funds could make a real difference. Having guided clients through every stage of the homeownership journey, I recognize how programs like this reinforce the value of home and community. Exceptional service and attention to detail are at the heart of what I do—because for me, real estate is all about building lasting relationships and helping you succeed where it matters most.

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  • Map Highlights Cities Ready for New Home Growth

    Map Highlights Cities Ready for New Home Growth

    We're seeing a notable slowdown in new home construction across the U.S.—with building permits now 19.4% below pre-pandemic levels and declines stretching for an eye-opening 44 months. Builders are contending with high costs, rising mortgage rates, and ongoing affordability challenges, all of which contribute to a national housing deficit of 4.7 million units. As someone who specializes in residential, commercial, and investment properties throughout the Tampa Bay area, I understand how these trends can impact your plans—whether you're searching for your first home, expanding your investment portfolio, or looking for the right commercial space. My approach is to provide strategic, concierge-style service and clear communication, helping you navigate these shifts with confidence. In a market that demands both attention to detail and adaptability, having an expert by your side makes all the difference. You can't make it happen without Keith.

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  • Florida Inspection Clues for Hidden Moisture

    In Florida real estate—especially throughout Tampa Bay—understanding how local factors like humidity, sand, clay pockets, termites, and storm impacts can affect a property’s floors and foundations is essential. During inspections, I always recommend paying close attention to hidden moisture and drainage issues. Requesting moisture readings, checking the yard’s slope, reviewing gutters, and looking for exterior wall staining can all reveal water collecting near foundations, which often leads to costly repairs down the line.

    Red flags such as musty odors, slight floor warping, lower-wall stains, fresh cosmetic fixes, sections of replaced flooring, or white residue on concrete should never be overlooked. These subtle clues can point to unresolved moisture concerns. Before installing new flooring, it’s wise to address drainage, test and seal slabs, and consider moisture-resistant materials like porcelain tile or quality luxury vinyl plank—choices that can protect your investment and peace of mind.

    After flooding, thorough drying, subfloor and slab testing, and documenting conditions are crucial steps. Upgrades that make a home more moisture-smart not only reduce future repairs, but also support long-term resale value—something I always keep at the forefront when guiding my clients. When it comes to real estate, it’s about more than the transaction; it’s about your long-term comfort and investment success.

  • Florida Luxury Condo Pipeline Expands

    Florida’s luxury condo market continues to expand, with new towers rising along the east and west coasts, as well as throughout South Florida. Many of these projects are truly upscale—starting at $1M and above in areas like West Palm Beach and Naples, and even higher for the most sought-after addresses. Yet, buyers looking for exceptional views and amenities will also find options in Miami and St. Petersburg, where some condos begin in the $500Ks or $600Ks. What stands out is the long-term vision: developments in Daytona Beach Shores, West Palm Beach, Sarasota, and Naples are planned for completion between 2027 and 2031. As someone who values strategic guidance and concierge-level service, I recognize that today’s buyers are more selective than ever, focusing on prime locations and lasting desirability. In a market defined by both opportunity and exclusivity, having a trusted advisor makes all the difference. You can't make it happen without Keith.

  • Florida Luxury Condos Are Rising Across the State

    Florida’s luxury condo market continues to evolve, with new towers planned and underway from the east coast to the west, and all across South Florida. As someone who navigates the full spectrum of residential, commercial, and investment properties in the Tampa Bay area, I’m seeing firsthand how these upscale developments—many starting at $1M and higher, especially in places like West Palm Beach and Naples—reflect the growing demand for refined living. Not every new project requires a seven-figure investment: Miami and St. Petersburg are offering condos starting in the $500Ks and $600Ks, yet still boast impressive amenities and stunning views. What stands out is the long-term vision—projects in Daytona Beach Shores, West Palm Beach, Sarasota, and Naples are already targeting completions as far out as 2031. The market remains robust, but today’s buyers are discerning, focusing on prime locations and lasting value. My approach is always to provide the expert guidance and attention to detail needed to seize these opportunities confidently—because real estate is about more than a transaction; it’s about building your future on a foundation of trust.

  • Florida homebuyers explore emerging housing destinations

    Florida homebuyers explore emerging housing destinations

    As Florida’s housing landscape evolves, I’m seeing more buyers look beyond the major metros to vibrant secondary cities like Lakeland and Cape Coral. These destinations are drawing interest thanks to more accessible price points and a lifestyle many find appealing. High demand for new construction in these areas, paired with developer mortgage incentives, is making homeownership more attainable and supporting steady growth. My experience working with residential clients across Tampa Bay has shown me how important it is to match each buyer with the right community—especially when affordability and quality of life are top priorities. Whether you’re a first-time buyer or an investor looking for promising opportunities, understanding these emerging markets can make all the difference. For me, real estate is all about building relationships and guiding you to a home that fits your needs and aspirations.

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  • NFL cities reveal a split housing affordability picture for 2026

    NFL cities reveal a split housing affordability picture for 2026

    Housing affordability is always top of mind for my clients across Tampa Bay, so I keep a close eye on national trends as well as our local market. A recent review of housing in 30 NFL cities shows some interesting shifts: by June 2026, 28 of these markets saw improved affordability, with Seattle leading the way thanks to an 11.2% boost driven by income gains and lower prices. Tampa is also among the cities seeing better affordability, along with Las Vegas, while markets like Milwaukee and Cleveland experienced the opposite. For those considering their next move in the Tampa area—whether buying, investing, or selling—these kinds of insights help inform smarter decisions. My concierge-style approach and market expertise are all about making sure you have the confidence and clarity you need for every real estate goal. You can't make it happen without Keith.

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  • Florida’s housing market corrections continue to lose intensity—see the data across the state

    Florida’s housing market corrections continue to lose intensity—see the data across the state

    As someone who’s dedicated to guiding clients through all facets of the Tampa Bay real estate market, I keep a close eye on shifts across Florida. In 2026, we’re seeing the pace of housing market corrections ease statewide. Some metro areas are even recording modest price gains—a positive sign after a period of uncertainty. Notably, inventory is tightening in regions that were previously hit hardest, which points to strengthening fundamentals and a reduction in downside risks, even if some adjustments continue. For those navigating a purchase or investment, this evolving landscape offers renewed opportunities and greater confidence. My approach has always been rooted in expert market knowledge and personalized attention—because finding the right home or investment isn’t just about numbers, it’s about building a foundation for your future.

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  • Why Buyers and Sellers Are Stuck

    Lately, I’ve been guiding clients through a unique market situation: higher mortgage rates are causing many buyers to pause, as monthly payments become harder to justify. This slowdown is reflected in pending sales—fewer people are making the leap from searching to actually submitting offers. On the flip side, homeowners with lower existing mortgages are understandably hesitant to list their homes, not wanting to give up their favorable rates. This creates a kind of housing stalemate: buyers are searching for more affordable payments, while sellers are holding tight to their current loans, resulting in slower transactions than usual. In moments like these, a tailored, concierge-style approach and skilled negotiation become even more important. My goal is always to provide clear communication and strategic guidance, whether you’re buying or selling, so you can move forward with confidence—even in a market that feels stuck.