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How are days counted in the FAR/BAR Real Estate Sales Contract

August 15, 2018 by Chris Ryder

I’m surprised by how many folks read this post so let me say this before I answer the question. If you’re an agent reading this, you need a new broker. If you had to google this question because your agent didn’t know, you need a new agent. Call me, Chris, at 561.626.8550. I made a youtube video os keep rfeading.

How are days counted in the FAR/BAR As-Is Real Estate Sales Contract? As of November 1, 2021 there is a new version (6) of the FAR BAR As-IS Contract with these changes. The information below is applicable to the versions of the far/bar as-is since then right up to the most recent version on 12/2024. Firstm why do dates matter? Because “time is of the essence”…

The day both parties signed and dated, with ALL changed initialed and dated in the Contract, AND that Contract was delivered to both parties is the Effective Date. This is day “0” in counting the days. When counting back from the Closing Date, for things like when is the title commitment due, the Closing Date is day zero. And ALL times in the LATEST Far Bar As-IS are calculated using CALENDAR days. So, let’s day that the Contract Effective Date is 25 August, 2023. Let’s also assume the Contract specified a 10 day As Is Inspection Period. The Inspection Period ends on day 10 which is 4 September, a Monday. BUT that Monday was Labor Day, a National Legal Holiday. Thus the Inspection Period extends to the end of the NEXT business day, Tuesday the 5th. Note that the last version of the Far Bar As-Is specifed 5 PM on the next business day but the most recent version does NOT. Thus it ends at 11:59 PM on Tuesday being the next business day.

A similar calculation is used for the “Loan Approval Period” with, again, the Effective Date being day “0” and count the calendar days from that. If it ends on a Saturday, Sunday or legal holiday then it extends to the next non holiday business day.

In 2025 the National Legal holidays are:

Monday, January 02New Year’s Day
Monday, January 16Birthday of Martin Luther King, Jr.
Monday, February 20 **Washington’s Birthday
Monday, May 29Memorial Day
Monday, June 19Juneteenth National Independence Day
Tuesday, July 04Independence Day
Monday, September 04Labor Day
Monday, October 09Columbus Day
Friday, November 10 *Veterans Day
Thursday, November 23Thanksgiving Day
Monday, December 25Christmas Day

**This holiday is designated as “Washington’s Birthday” in section 6103(a) of title 5 of the United States Code, which is the law that specifies holidays for Federal employees. Though other institutions such as state and local governments and private businesses may use other names, it is our policy to always refer to holidays by the names designated in the law.

Any questions, you can give us a call at the office at 561.626.8550.

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Filed Under: Blog, Frequently Asked Questions

Erosion Control Line in Palm Beach County

August 7, 2018 by Chris Ryder

Where is the beach a public beach in Palm Beach County? What is the Erosion Control Line?  and Where is the Erosion Control Line located in Palm Beach County?

Lots of talk these days about beach access on Palm Beach and the wealthy folks there posting the beach with “No Trespassing” posts.  BTW, the erosion control line is to the beach as the bulkhead line is to inland waterways.

Now, everything seaward of the mean high water, or first vegetation, line on the beach is owned by the State of Florida.  It is public land and the public has an easement on this land for public use and enjoyment.  The statute definition changed recently and as:

161.021 Definitions. ”In construing these statutes, where the context does not clearly indicate otherwise, the word, phrase, or term:

(1) Access or public access as used in ss. 161.041, 161.052, and 161.053 means the publics right to laterally traverse the sandy beaches of this state where such access exists on or after July 1, 1987, or where the public has established an accessway through private lands to lands seaward of the mean high tide or water line by prescription, prescriptive easement, or any other legal means, development or construction shall not interfere with such right of public access unless a comparable alternative accessway is provided.

So, there is a line where the sovereign (State of Florida) land is separated from the privately owned uplands.  The FL statute requires that prior to any beach re-nourishment which utilizes public funds that this separation line be located.  This is called the Erosion Control Line.  The Town of Palm Beach put together a very nice public document to discuss this prior to their last beach re-nourishment project.  Basically the state wants to know before we go adding anything artificially to the “beach” we want to know where the state land is and where the private land is.  Generally speaking one can not spend public money to improve private property except if in this case it benefits the public.  If we artificially add any sand that changes where the mean high water line is then that DOES NOT infer that the land above the new high water line now belongs to the upland owner.  This is because the high water line is said to be ambulatory (it can and does move) in a natural setting but NOT if the movement is man made.

Destin FL had a great summary…

“An Erosion Control Line is a requirement by the State of Florida to establish the limits of upland ownership by the State before a beach restoration project can commence. This is a completely separate issue than a construction easement. All sand placed seaward of the Erosion Control Line is placed in state waters and therefore remains the property of the State. All sand placed landward of the Erosion Control Line remains in ownership of the upland landowner.”

In Palm Beach the surveyor hired to establish the Erosion Control Line was told by DEP to set a contour line at +0.45′ elevation line from the 1988 NAVD datum as this line.  Odd that this 19 year period is called a tidal ‘epoch’ by NOAA and the last one placed MHW at +0.37′ NAVD so it’s not clear to me where this +0.45′ came from.

Once the ECL is established, the land seaward of the ECL is property of the State and landward of the ECL remains in the possession of the upland property owner. During times when the shoreline has retreated landward (eroded) and the ECL is submerged, the property terminates at the mean high water line. Conversely, during times when the shoreline has advanced seaward of the ECL (accreted), the upland property terminates at the ECL.

NOTE AS STATED ABOVE  THAT IF THE BEACH ERODES LANDWARD OF THE ECL THEN THE BOUNDARY ‘REVERTS’ BACK TO THE MEAN HIGH WATER LINE.

The location of the Erosion Control Line can be a closely guarded secret but I did find this web site that has a collection of them and shows the ones on the west coast of Florida but NOT the east coast…

https://labins.org/survey_data/water/water.cfm

Filed Under: Blog, Frequently Asked Questions

HOA law changes went into effect on July 1

August 6, 2018 by Chris Ryder

HOA law changes went into effect on July 1 By Richard D. DeBoest   STUART, Fla. – Aug. 6, 2018 – Question: We understand there are some new laws impacting our homeowner’s association. Would you please recap the changes we need to know about? – P.B., Port St. Lucie Answer: Below is a summary of new laws applicable to Homeowner Associations subject to Chapter 720 Florida Statutes as of July 1, 2018, or October 1, 2018, as indicated: 1. Email communication by directors – 720.303(2)(a)/HB841: Effective July 1

Source: HOA law changes went into effect on July 1

STUART, Fla. – Aug. 6, 2018 – Question: We understand there are some new laws impacting our homeowner’s association. Would you please recap the changes we need to know about? – P.B., Port St. Lucie

Answer: Below is a summary of new laws applicable to Homeowner Associations subject to Chapter 720 Florida Statutes as of July 1, 2018, or October 1, 2018, as indicated:

1. Email communication by directors – 720.303(2)(a)/HB841: Effective July 1, 2018. Board members may communicate via e-mail but may not cast votes via e-mail. This aligns Chapter 720 with Chapter 718 and Chapter 719 on this point.

2. Fines and suspensions – 720.305(2)(b)14/HB841: Effective July 1, 2018. If the committee approves the fine it must be paid within 5 days of the committee meeting. This aligns 720 with 718 and 719 on the 5-day to pay requirement.

3. Amendments – 720.306(1)(e)-(f)/HB841: Effective July 1, 2018. Amendments must be presented to owners for a vote in the underline and strike through format or with the “substantial amendment” notation just like condominiums and cooperatives. Allows that an “immaterial error or omission” in the amendment process does not invalidate an otherwise properly adopted amendment. All amendments to the governing documents must be recorded in the public records to be legally affective. This includes amendments to the Board-adopted rules which in the past did not have to be recorded.

4. Elections – 720.305(9)(a)/HB841: Effective July 1, 2018. If an election of directors is not required because there are not more candidates than there are available seats on the Board, and if nominations are not required from the floor, then those candidates that submitted their names to run for the board are automatically seated at the annual membership meeting even if a quorum does not exist.

5. Restrictive endorsements – 720.3085(3)(b)/HB841: Effective July 1, 2018. Clarifies that any purported accord and satisfaction or restrictive endorsement on an assessment payment is void and the payment is applied according to the law.

6. Covenant preservation summary notice – 720.303 and 720.3032/HB617: Effective October 1, 2018. Substantially revises the method and notice requirements for a board to preserve the declaration of covenants from being extinguished by MRTA (Marketable Record Title Act). This is important for homeowners associations that are approaching 30 years from the date that the original Declaration of Covenants was recorded.

7. Covenant revitalization – 720.403(3)/HB617: Effective October 1, 2018. Expands the ability to revitalize covenants beyond residential homeowner associations so that commercial property associations and other non-residential associations can revitalize the covenants.

Question: The pool was recently renovated in my sub-neighborhood association and is already having issues, and there are members claiming bidding laws weren’t followed and conflict of interest exists. (a relative of the Master Association Board member’s company did the work). And people even claim the HOA president got a new roof and bath out of this deal. – B.C., Vero Beach

Answer: In a condominium, the association must obtain competitive bids for projects or services that will cost more than 5 percent of the annual budget including reserves. For HOAs it is the same, but the percentage is 10 percent. There are exceptions to the competitive bidding requirements, but renovation of the pool would not be an exception. If the cost was less than the statutory percentage no competitive bidding is required by law, but it is good business practice to competitive bid any goods or services that will cost a significant amount of money.

Obviously, if the HOA president obtained free services in exchange for awarding the pool project, this would be in violation of the law. However, I would caution you about making such allegations based on rumor in order to avoid allegations of slander or defamation.

It would be a conflict for a relative of your HOA sub-neighborhood board member to do the pool project work, and this would have to have been disclosed and approved properly by the disinterested Board members. However, from your question you indicate it was a relative of a member of the Master Board of Directors. This would not have been a conflict

Filed Under: Blog

Is it a Villa or a Townhouse?

August 4, 2018 by Chris Ryder

Is it a Villa or a Townhouse?  What’s the difference?

They are both what I would call a row house style of ownership where one owns the land below the unit and to the middle of the common or party wall between units.  If it’s an end unit then typically you own that end wall and out off the face of the wall for some distance.  The difference in how the local MLS defines them is that a “Villa” is ONLY a single story where as a “Townhouse” may be 2 or 3 or 10 stories.

 

Filed Under: Blog, Frequently Asked Questions

Can I install a storage shed at my new house?

June 18, 2018 by Chris Ryder

Can I install a storage shed at my new house?

The answer to this will vary from town to town and is best answered by a call to the on duty zoning officer there.  You see storage sheds under 200 s.f. are handled under the Florida Building Code by Fl Statute 553.37(3) which states that basically any new sheds must be approved by the the Florida Building Commission (or be designed by a licensed architect or engineer) and bear an approval stamp etc., etc similar to a stamp on a hurricane panel.  The cheapest way to go is to find and buy one which has been approved by the FBC.  Approvals may be CHECKED HERE.

So why call zoning?  Well, in Florida the local zoning issues are left to the locals and sheds are covered by these.  The town may not allow them (like North Palm Beach) or allow them with certain zoning restrictions like set backs and the like.  Also, if the property is in a Home Owners Association then one should check to make sure that the covenants and restrictions allow them.  It gets ‘finicky’ with these.  In North Palm Beach one can have a detached garage subject to set of set backs and an open pergola subject to another set of set backs but the pergola may not be used for storage and storage sheds are not allowed.

FL 553.37(3) reads “After the effective date of the Florida Building Code, no manufactured building, except as provided in subsection (12), may be installed in this state unless it is approved and bears the insignia of approval of the department and a manufacturer’s data plate. Approvals issued by the department under the provisions of the prior part shall be deemed to comply with the requirements of this part.” AND 553.37(4) reads “All manufactured buildings issued and bearing insignia of approval pursuant to subsection (3) shall be deemed to comply with the Florida Building Code and are exempt from local amendments enacted by any local government.” Now these would be amendments to the building code, not the zoning code.

Filed Under: Blog, Frequently Asked Questions

Uncommon ways to prepare for a hurricane

June 14, 2018 by Chris Ryder

STUART, Fla. – June 13, 2018 – You’ve heard it every year that you’ve lived in Florida: in hurricane season you need a plan for both your residence and yourself.Hopefully, you’ve done things like secure flood insurance, purchase a generator and make plans for help in installing your hurricane shutters if you can’t do it yourself.Here are some things you still can do:Survey your home and tally your possessions so you know exactly what you need to replace and how much it’s worth should a storm damage your home. Take a photo of each valuable asset with your cell phone.Inspect your roof covering to make sure all the shingles or tiles are secured and that none are cracked or missing. If you’re reroofing, consider spending about $500 extra to seal the roof deck.In Florida, after Hurricane Andrew, building codes changed to require that roofs must be attached to walls with metal straps. If you live in an older home, hopefully you’ve already taken steps to bring your roof up to the new code, if not don’t delay. If your roof can be accessed via an attic, these metal roof straps can be added to your home for several hundred dollars.Make sure posts supporting your porch or carport are firmly anchored to the ground.Check the seals around windows and doors. Florida’s hot, humid weather damages seals over time, allowing sideways-blowing rain to get in during a storm.Anyplace you have cable or other electrical wires coming into the side of your house, a hole was punched through the exterior wall, Seal the holes to prevent water from getting in with caulk.Make sure you’re not creating missiles by leaving things lying around in the yard. Your grill, lawn furniture, garden gnomes and other items should be stored indoors if they can’t be secured to the ground.Garage doors can blow in, and if you have an attic above that, they can also blow up and literally tear your house apart. Strengthen your existing garage door by installing a vertical garage door brace and reinforcing it with horizontal wooden beams.This year, as in every year, we must hope for the best while preparing for the worst.© 2018 Journal Media Group, Roberta Murray, The Norman-Page Team

Source: Uncommon ways to prepare for a hurricane

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!

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108 Lakeshore Drive, 1441, North Palm Beach

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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Experience true penthouse living in one of West Palm Beach’s most coveted waterfront communities. This exceptional residence at Flagler Pointe is one of only two penthouse level units with a direct, sweeping Intracoastal view—a vantage point so rare and breathtaking it simply cannot be replicated. From your living room, extended balcony, or primary bedroom, watch […]

400 Seaside Lane, Juno Beach, FL 33408

400 Seaside Lane, Juno Beach, FL 33408 https://www.flexmls.com/share/Dlg0h/400-Seaside-Lane,-Juno-Beach,-FL-33408 Rare Juno Beach Opportunity – Iconic Seaside Location This is your chance to own a truly special home in the charming Key West-style enclave of Seaside, one of the most coveted streets in Juno Beach. Just steps from the Atlantic Ocean and directly across from the beloved Pelican Lake […]

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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

108 Lakeshore Drive, 1441, North Palm Beach

108 Lakeshore Drive, 1441, North Palm Beach
108 Lakeshore Drive, 1441, North Palm Beach

April 22, 2026 By Nicole Ryder

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 has full hurricane impact slidders throughout along with accordian hurricane […]

400 Seaside Lane, Juno Beach, FL 33408

400 Seaside Lane, Juno Beach, FL 33408
400 Seaside Lane, Juno Beach, FL 33408

April 10, 2026 By Chris Ryder

400 Seaside Lane, Juno Beach, FL 33408 https://www.flexmls.com/share/Dlg0h/400-Seaside-Lane,-Juno-Beach,-FL-33408 Rare Juno Beach Opportunity - Iconic Seaside Location This is your chance to own a truly special home in the charming Key West-style enclave of Seaside, one of the most coveted streets in Juno Beach. Just steps from the Atlantic Ocean and directly across from the beloved Pelican Lake walking trail, this property offers the perfect blend of Old […]

711 7th Lane, Palm Beach Gardens, FL 33418 

711 7th Lane, Palm Beach Gardens, FL 33418 
711 7th Lane, Palm Beach Gardens, FL 33418 

March 28, 2026 By Chris Ryder

https://www.flexmls.com/share/DhDWi/711-7th-Lane-Palm-Beach-Gardens-FL-33418 Discover this gorgeously remodeled Divosta built townhouse featuring 3 bedrooms, 2.5 baths, and tasteful upgrades. Known for quality construction, Divosta delivers peace of mind, while the extensive high end renovations throughout make this Garden Lakes home truly move-in ready. Step inside to an open concept kitchen equipped with smart technologies, brand new appliances, and custom finishes. The Kitchen flows seamlessly into the Living Room, […]

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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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