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R&R Realty - Jupiter Real Estate

Find Jupiter-Palm Beach Gardens-Juno Beach-Singer Island-Jupiter Island property.

Jupiter Florida Real Estate Broker

Read my articles for great information on Buying a home in Jupiter Florida.

What is the “meander line”

November 16, 2020 by Chris Ryder

I use the term “meander line'” in a few of my posts and so I thought I would take a moment to try and explain it.

I’m NOT a lawyer but here goes. Background: The crown, the predecessor in the chain of title to the original 13 colonies, owned the land below navigable water including lakes, streams, rivers and tidally influenced waterways. At that time all commerce moved by waterways and this is how the crown controlled and taxed that. When we won the war for independence the states took ownership of everything the crown owned. There was no federal governmment. Going forward, something called the “equal footing” clause of the constitution required that new states were granted statehood on “equal footing” with all others including the original 13. Thus these “submerged” lands (NOT the over flowed lands and swamps) were given to the states, like Florida, with amounts to a deed restriction, the “Public Trust Doctrine”, and were to be used for public use and enjoyment including things like bathing, fishing and rights of navigation. But where were these Sovereign submerged lands when Florida entere the union in 1845?

The lands owned by the state were surveyed, as in by a land surveyor. This was done for many reasons, and around North Palm Beach was done in 1858. To calculate acreage for transfers of the uplands to private owners, taxation of same, and to know ABOUT where the state owned lands below the water (aka Sovereign submerged lands) were separated from the privately held uplands. For this purpose a land surveyor (although not called such at that time) was hired to established the “meander line”. This is an “about here” line for many reasons. For starters, Florida has a shallow gradient along the shore line. Where does the swamp end and the navigable water begin. What if the surveyor showed up at low tide instead of high. Lots of variables. And they were asked survey huge tracks, for a contract price, BUT were allowed to do so with margins of error measured in several (66′) chains.

This is how the meander line is described in a 1924 TIIF deed (“thence following the meander of the shore”) to those who would create Palm Beach Isles Plats 1,2 and 3 and Pine Point on Singer Island…

Although the meander line IS sometimes shown as a hard line (meets and bounds as above) it can also be shown as an irregular line. If one looks at these historic surveys you will note that where it is shown the acreage of the lots are shown as +/- XXX acres.

42s43e01_Government-PlatDownload

The “about here” location of the meander line, ordinary mean high water mark, can be shown by either manner. Waterward of this line the state owns the land below the water as sovereign submerged lands. The reason for the +/- is becasue the line is said to be “ambulatory” meaning that it can and does move so long as that movement is slow , imperceptible and generally NOT caused by human actions. NOTE that there IS a method for a survey to go out and locate more accurately the mean high water line and ask the state to approve it the ‘new’ mean high water line. This was done fairly recently in places like Harbour Isles.

So, to sum it up. The meander line is an “about here” line used on surveys that shows that the approximate location of the historic boundary of sovereign submerged lands (owned by the state) and uplands which may be owned by the state or a private party. It is also and indication that the property enjoys “Riparian Rights“.

The Meriam definition is: “a usually irregular surveyed line following the outline of a body of water that is used to measure abutting property and is not a boundary line.” It’s important because it let’s the uplands abutter know that they own land with a boundary that may move. And, in Florida that they enjoy riparian rights.

It is worth noting that there have been a VERY few court cases where the courts held that the meander line IS the property line.

The Mean High Water line is defined in FL 177 as:

“Mean high water” means the average height of the high waters over a 19-year period. For shorter periods of observation, mean high water means the average height of the high waters after corrections are applied to eliminate known variations and to reduce the result to the equivalent of a mean 19-year value. I finally figured out why 19 years is used. This is referred to as the tidal epoch and has to do with the “wobble” of the moon and it’s effects on the tides

“Mean high-water line” means the intersection of the tidal plane of mean high water with the shore.

Filed Under: Blog

Public Body Special Assessments

November 16, 2020 by Chris Ryder

What are the “public body” special assessments that are discussed in the Far Bar As-Is paragraph 9(f)?

First, let me tell you what it is NOT. It is NOT a special assessment imposed by a Home Owners Association or by a Condominium Association. These would be covered on an HOA and/or the Condominium addendum to the contract between the parties. Generally speaking these “public body” special assessments are those imposed by say the county to pave a small road in Jupiter Farms. The easiest way to look for these, ASSUMING THEY WERE IN PLACE LAST YEAR, is to look up the tax bill on the tax collector’s website and look at the tax bill for last year and note anything unusual under the non ad valorem charges. OR, the Palm Beach Couty has a search tool as well.

And, they are NOT those imposed under chapter 190 of FS by a community development district. What are those? They are: Community development district means a local unit of special-purpose government which is created pursuant to this act and limited to the performance of those specialized functions authorized by this act; the governing head of which is a body created, organized, and constituted and authorized to function specifically as prescribed in this act for the purpose of the delivery of urban community development services; and the formation, powers, governing body, operation, duration, accountability, requirements for disclosure, and termination of which are as required by general law. CLICK HERE to see a list of “community development districts” registered in Palm Beach County. BUT CHECK the section they have been organized under. Some like the Beeline Community Development District are organized under Chapter 190. Captain’s Key is under 189.02 and others like the South Indian River Water Control District and the Northern Palm Beach County Water Improvement District were organized under Chapter 298 (so not the specifically excluded 190) of FS. Thus, this section of the Contract WOULD apply to liens imposed by them for things like road and drainage improvements.

THIS LINK talks about the method used to get a road paved in Jupiter Farms.

Filed Under: Blog, Frequently Asked Questions

Canadians renting out property in Florida

November 16, 2020 by Chris Ryder

With COVID 19 affecting us this year I decided to take a look at the something Canadians may be considering, renting out their property in Florida.

Nothing new here on this matter. Many non-US citizens rent out their properties in Florida for part or even all of the year but most do so “under the radar” of the tax man. Canadians citizens most likely do not have the property homesteaded as most will be on a Visitor Visa but if they do then renting out the property may place this jeopardy. If they have a mortgage on the property then renting it out may be a violation of the mortgage covenants. If they entered the US on a Visitor Visa (they just flew here on a plane without a specific visa being issued) then renting property here may be considered a violation of the automatic visa entry into the US. One must also check to see if renting the property is allowed by the Home Owners or Condominium Owners Association. It also may invalidate your property insurance as the property is no longer owner occupied. Note that if the property is owned by a Canadian entity such as a trust or LLC then Florida requires these to register as foreign entities doing business in Florida. Local municipalities may require a business tax receipt which often requires inspections for things like zoning, fire and housing codes. But the big thing that 90% of people do NOT do is pay income tax on the rental income to the US Government and maybe or maybe not they declare it to the Canadian tax collector.

If you receive income from rental of property owned in the US then you must pay US income tax on this. Similar to the FIRPTA withholding on a sale, the US government does not want to chase someone back in Canada or wherever for their taxes so they THE PAYER of the money to withhold a portion of the rent pending a tax return being filed by the owner. Thus, 30% of the rent paid to the Canadian citizen is supposed to be withheld in the US. If the rental income is connected to a business, then you can deduct expenses to run that business when you file the tax return and be taxed on the net income. What you will need to do is:

  • First, read up on what the US IRS has to say about it and particular.
  • Obtain a US Individual Tax ID Number or ITIN from the IRS W-7.
  • Read about and complete form W-8ECI which has to be submitted by the tenant or the withholding agent to the IRS.
  • file a U.S. tax return as a non-resident (form 1040NR)
  • Declare the income in Canada where you may be able to deduct the taxes paid in the US.

If you have been renting out your property without doing this then you have been breaking the law. Note that if you are simply selling your property then the income requirements above are not applicable BUT the FIRPTA rules are.

Filed Under: Blog

600 Ocean Drive 2a Juno Beach, FL 33408

November 10, 2020 by Chris Ryder

600 Ocean Drive 2a Juno Beach, FL 33408 – Horizon Building

Spacious oceanfront 3BD/2BA unit located in the heart of Juno Beach. Featuring an over-sized wrap around balcony. Embrace the South Florida lifestyle in this well taken care of unit, with amenities that include a gym, pool, club room and beach access. Secure building with plenty of parking. 1 pet allowed under 30lbs. Minutes to shopping, fantastic dining, and endless activities. All information deemed reliable but not guaranteed and should be verified by buyer.

Filed Under: Blog, Home Reviews Tagged With: Condominiums, Juno Beach, Real Estate

The Florida Bulkhead Act – Part II – How far out can one place a sea wall?

November 6, 2020 by Chris Ryder

I had this come up on a recent sale and it caused me to look into it a bit further. The lot in question is/was properly shown on the recorded plat with the side property lines intersecting the meander line. That’s great. The survey showed that the existing sea wall (which was constructed in the mid 60’s) is landward of the meander line by about 10′ or so. So there is land between the meander line and the existing sea wall. The question is: Can one put in a new sea wall closer to the meander line and fill that area in? The answer I found out has to do with a portion of the Florida Bulkhead Act. I had previously looked at this act for the inverse of this scenario. Where the existing sea wall was built PAST or seaward the meander line.

OK, so here are the basics of it in non legal wording. Back in the late 50’s when Florida really started to boom, the location of a line where the private uplands ended and the state lands started need to be better defined. It had to do with were EXACTLY developers could bulkhead and fill in behind it. It also has to do with where munipalities coul enact local zoning ordinance as those are only applicable on their incorporated lands. The state of Florida basically said to the counties… you guys establish a bulkhead line (by ways of specific meets and bounds) near our historic meander line and the current mean high water line (supposedly) and we will approve it. Understanding that the meander line is an “about here” location of the historic mean high water line back in 1845 when Florida became a state and was suyveyed with a very low degree of certainty. This meander line separates the state owned lands below navigable waters (so called sovereign submerged lands subject to the “Public Trust Doctrin”) from the otherwise owned (by a public or private party) uplands. The meander line can move (a/k/a it’s ambulatory) so long as the movement is slow, imperceptible and not caused by human activity. But the bulkhead line, that does NOT move. So you local guys set this bulkhead line by specific meets and bounds and we, the state of Florida, will bless this new bulkhead line and make it difficult, if not impossible to get permits fill beyond it. Once established, the area landward of the bulkhea line is covered the local or county zoning ordinance. The county may, also through your local zoning, do things like ban the ability for one to build a habitable structure on piles seaward of it. Anything on piles seaward of the meander line, like a dock or a pier, is a use licensed by DEP and subject to the rules covering sovereign submerged lands.

So, where does one find information on where exactly this bulkhead line is located? Many municipalities like Riviera Beach adopted it into their local code. North Palm Beach HAD it but then repealed it because basically the new sea walls were being placed, as allowed by code, within 18″ of the old wall BUT that was beyond the established bulkhead line and DEP finally picked up on that. Remember that this is the line in the sand BUT NPB was developed right when it was set. Thus the seawall built in say 1960 was ON the bulkhead line. In Martin County, it was adopted by the county and recorded in the public records. I have yet to find a GIS layer or map of any sort that shows the local bulkhead line BUT I do have these as examples of the line in Martin County:

UNK-42-DB-95-381Download
UNK-42-DB-96-119Download
UNK-42-DB-96-412Download
UNK-42-DB-98-217Download
UNK-42-DB-98-218Download

So, basically one can build a new sea wall out at the bulkhead line set by the county OR OTHER LOCAL MUNICIPALITY, and approved by the state. If I find the bulkhead line information for the meets and bounds of the bulkhead line in Palm Beach County I’ll add it later.

An important note here. The mere location of a bulkhead line set by the county or others locally does NOT (in my opinion) speak to the ownership of any land between the meander line and the landward existing sea wall or established bulkhead line.

I copied this from an AG opinion in regards to the “ambulatory” aspect of the meander line: “erosion or submergence is accretion in reverse, and the imperceptible principle is applicable in distinguishing erosion from avulsion. In other words, where the loss occurs through avulsion, which is defined as the sudden or violent action of the elements, and the effect and extent of which is perceptible, the boundaries do not change. But where the sea, lake, or navigable stream imperceptibly encroaches upon the land, the loss falls upon the owner, and the land thus lost by erosion returns to the ownership of the State.”

Filed Under: Blog, Frequently Asked Questions

2020 Palm Beach County Tax Millage Rate comparison

November 3, 2020 by Chris Ryder

Read the 2023 version of this post.

Well, it’s that time of the year again. The first of November and we all just got our real estate tax bills. So, who were the winners and losers? Whose taxes went up the most? And, where should one live to pay the lowest real estate taxes in Northern Palm Beach County

2020 Final Municipality Tax Roll

2020 Final Tax millage rates (ALL taxing districts)

Riviera Beach (Singer Island) up 7.33% to 21.9497

North Palm Beach up 3.83% to 20.9977

Palm Beach Gardens up 3.44% to 19.6310

Juno Beach up 4.34% to 19.6364

Jupiter up 4.74% to 18.7209

Tequesta up 4.71% to 20.8064

Unincorporated Palm Beach County enjoys the lowest tax rate at 17.9351

OK, So let’s look at 3 houses. Each one worth (assessed at) 2M in Harbour Isles, Admiral’s Cove and Frenchman’s Harbor. The Harbour Isles house in North Palm Beach pays $41,995.40 in ad valorem real estate taxes each year. The Admiral’s Cove home in Jupiter pays $37,441.80 and the Frenchman’s Harbour home, which is in unincorporated Palm Beach County, pays just $35,870.20 or over 6k less in taxes every year compared to a similar home in Harbour Isles.

Filed Under: Blog

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Benjamin Saunders
a year ago

I highly recommend R&R Realty! From the professional pictures and listing to the consistent updates and strategy, my experience could not have been better. If you're looking to sell or buy a property in South Florida, R&R Realty is your best bet.

Cathy Ingraham
a year ago

Nicole Ryder is amazing. Her expertise and knowledge in real estate shines through in many ways. Nicole knows the market, is extremely responsive, knows exactly what listings to present, and an exceptional communicator! Nicole has done an outstanding job at answering all my questions (and I’ve had a lot), keeping us informed of market changes and proactive in bringing us new ideas and listings. Highly recommend, Nicole Ryder. Can’t ask for a better experience. 10/10 ⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️

Crystal Lewis
4 years ago

I highly recommend R & R Realty. Chris worked with me to over a period of years to find what I wanted. He always responded quickly to my phone calls or texts. Chris always pointed out all the positives of a property but also possible negatives or things I hadn't thought of. It was a pleasure working with him.

Amanda Davis
7 years ago

Chris and Nicole Ryder are true professionals! They both helped my husband and I find our apartment when we were new to South Florida and were an excellent source of information about the Palm Beach Gardens/Juno Beach/Jupiter area. When we decided to buy a property two years later, we came back to R&R Realty without hesitation. Chris patiently worked with us for many months as we slowly but surely developed a sense of what we wanted. He went above and beyond, giving us not only real estate advice but also engineering tips and personal recommendations. We ultimately found a house we love thanks to Chris's diligence and tireless efforts on our behalf. I can't recommend R&R Realty highly enough!

tara connelly
8 years ago

Chris Ryder was a fantastic realtor! Thorough start to finish! Helped us buy our first property here 8 years ago sold it for us and helped us buy a second. Will most definitely be calling him again in the future.

John Bailey
8 years ago

Nicole Ryder (and Chris) provided excellent service throughout entire process of listing and selling condo in Juno Beach. Nicole was very helpful and always acted in our best interest re listing details, setting viewing appointments, responding to offers and assisting with closing requirements. We most appreciated their local knowledge and support re Florida real estate transaction requirements being non Florida residents. (Canada) We would highly recommend R&R Realty!

Matthew Pac
8 years ago

Chris is the very best realtor I have ever worked with anywhere in the country, by a long shot! Being from out of state, he spent countless hours previewing property, had a clear understanding what I was looking for, has the knowledge of an engineer/architect in evaluating structures plus is very familiar with the area. He is very patient, and never "sells" A true rare professional.

Hugh Jackson
9 years ago

I have used R&R Realty, The house Cris found for us is amazing. Cris definitely knows his business. No fooling around and gets the job done. I would definitely use Cris for further purchase. Thanks,Hugh

EI S
9 years ago

We have bought two properties through Chris and Nicole Ryder at R&R Realty. They have been a pleasure to work with--very honest, straightforward and down to earth. They truly listened to what we wanted and never pressured us to make a decision. They had great insights into local communities and readily shared their in depth knowledge of investment potential and building and construction issues. We felt totally comfortable recommending Chris and Nicole to friends who were equally pleased with their buying experience.

steve bromley
9 years ago

For most people, buying or selling a house is one of the most complicated financial transactions of a lifetime. Recently, we did BOTH, in a matter of months. Fortunately, we had Chris Ryder and his firm R&R Realty to work with, making the process as smooth as possible. At the beginning, we were absolute rookies, knowing nothing about the process, with a hundred questions, every day. Chris ALWAYS had time for us, communicating via phone, text, or email with me (Steve) and phone with Victoria, whatever we were most comfortable with. His knowledge of the Palm Beach County market (we sold our condo there) and beyond (we bought a condo in Martin County) is comprehensive. And his resources, from photographer, inspector, escrow, and mortgage broker are just as professional and thorough as he is. The staging of our condo for the listing photographs was wonderful! Chris is also a licensed contractor and an engineer, giving him expertise that other agents do not have. He was always ready to travel with us to see possible rentals in Palm Beach County, before we decided to buy, and then he was equally agreeable to turn the page and show us condos for purchase in Martin County. He involved us in every decision, giving advice when asked, but never making a choice for us. Every step was explained and we were always told the truth. When Victoria and I needed reassurance, he anticipated our needs. There were no surprises from start to finish, selling and buying. His integrity and work ethic - and his expertise and love of what he does - make him and R&R Realty the professionals we will always recommend!

Home Reviews

17115 121st Terrace N, Jupiter , FL 33478

17115 121st Terrace N, Jupiter , FL 33478 https://www.flexmls.com/share/E9Jmh/17115-121st-Terrace-N-Jupiter-FL-33478 Welcome to 100% Move-In Ready Living in Jupiter Farms. 4 bedrooms, 2 bathrooms, 2,055 Sq ft, 1.25 acres, 3 car detached garage (960 sq ft).This beautifully renovated CBS home delivers the rare combination buyers are searching for in Jupiter Farms: a fully updated interior, major systems replaced, and the […]

10916 Stellar Circle 48 Reverence, Palm Beach Gardens, FL 33412

10916 Stellar Circle 48 Reverence, Palm Beach Gardens, FL 33412 https://www.flexmls.com/share/E9Jeo/Selected Fully Furnished Builder’s Model Home! Come live your best life here at Avondale. Premier waterfront homesite with gorgeous custom pool and spa. Price reflects $100k Builder savings to you!

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Enjoy sunrise to sunset views and ocean to intracoastal views from your spacious wrap around balcony at 108 Lakeshore Drive, 1441 in the Marina Tower building of Old Port Cove in North Palm Beach, Florida. This spacious 2 bedroom, 2 bathroom corner building condominium boasts floor to ceiling water views from every room. The unit […]

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Frequently Asked Questions

FinCEN changes to Far Bar As-Is Contracts in Florida

There are new FinCEN reporting requirements for certain case sales in Florida and the thus the Far Bar As-Is was just updated with this: “FinCEN REAL ESTATE REPORTING OBLIGATION. Section 1031.320 of Chapter 31 of the Code of Federal Regulations (“CFR”) requires that certain residential real estate transactions without institutional lender financing, where at least […]

When is the Juno Beach Turtlefest in 2026

When will Turtlefest be held in Juno Beach in 2026? This year Turtlefest in Juno Beach, which is the annual even of Loggerhead Marinelife Center · 14200 US Highway 1 · Juno Beach, FL 33408 · USA will be held on February 21 & 22. Stop by R&R Realty in the Plaza Le Mer next […]

December and year end 2025 Jupiter and Palm Beach Gardens Housing sales numbers

Happy New Year! The Realtors Association of the Palm Beaches just released their December 2025 housing sales numbers and these are also the defacto year end numbers as well. I see the trend as going int he right direction. The key metric looking ahead is the months suuply of inventory which for houses has decreased […]

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From Our Blog

17115 121st Terrace N, Jupiter , FL 33478

17115 121st Terrace N, Jupiter , FL 33478
17115 121st Terrace N, Jupiter , FL 33478

June 15, 2026 By Chris Ryder

17115 121st Terrace N, Jupiter , FL 33478 https://www.flexmls.com/share/E9Jmh/17115-121st-Terrace-N-Jupiter-FL-33478 Welcome to 100% Move-In Ready Living in Jupiter Farms. 4 bedrooms, 2 bathrooms, 2,055 Sq ft, 1.25 acres, 3 car detached garage (960 sq ft).This beautifully renovated CBS home delivers the rare combination buyers are searching for in Jupiter Farms: a fully updated interior, major systems replaced, and the space and privacy that define the Farms lifestyle all on […]

10916 Stellar Circle 48 Reverence, Palm Beach Gardens, FL 33412

10916 Stellar Circle 48 Reverence, Palm Beach Gardens, FL 33412
10916 Stellar Circle 48 Reverence, Palm Beach Gardens, FL 33412

June 15, 2026 By Chris Ryder

10916 Stellar Circle 48 Reverence, Palm Beach Gardens, FL 33412 https://www.flexmls.com/share/E9Jeo/Selected Fully Furnished Builder's Model Home! Come live your best life here at Avondale. Premier waterfront homesite with gorgeous custom pool and spa. Price reflects $100k Builder savings to you! […]

Florida Property Tax Amendment

Florida Property Tax Amendment
Florida Property Tax Amendment

June 9, 2026 By Chris Ryder

Well, let's see what the language approved by the Florida Supreme Court is but a joint resolution of the house and senate proposes a near total make over of Florida property taxes. […]

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About Us

For over twenty years now R& R Realty has been helping customers buy and sell Palm Beach homes. Northern Palm Beach County is a spectacular place to live and we know every inch of it. Generally considered the end of the sub tropical zone, the Gulf Steam waters temper our climate for warm winters making for an amazing life style filled with boats, beaches, shoping, golf & convenience just 15 minutes from the Palm Beach Airport. Feel free to browse our website for more information on Palm Beach homes for sale and real estate listings including great local neighborhood maps of Juno Beach, Jupiter, Palm Beach Gardens, Singer Island and Jupiter Island. You may choose to search for Palm Beach Homes for sale on your own at first or contact us and we will help tailor a search to your specific needs. We look forward to hearing from you! If you have any questions about property for sale in Palm Beach, please call me, Chris Ryder, the owner, directly on my cell phone at (561) 818-3858.

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