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13242 Artisan Circle Palm Beach Gardens, FL 33418

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13242 Artisan Circle Palm Beach Gardens, FL 33418 in the Artistry Development in Alton right by mt new listing at 13133 Alton Rd.

**New Construction – Move In Ready** This brand new Mondrian floorplan is situated on preserve homesite within Artistry Palm Beach. This home offers 4 bedroom suites, each with their own bathroom, an additional half bathroom and a split-3 car garage. The home has been upgraded to included two custom fireplaces, custom window treatments and has custom light fixtures included. This Mondrian also includes gas cooking in the kitchen, 2nd tier upper cabinets, quartz backsplash, a waterfall quartz kitchen island and under cabinet LED lighting. The house has the loft converted to the larger game room upstairs, a gas connection for a future pool heater, as well as gas, electric and water connections for a future outdoor summer kitchen.

One of the last opportunities for new construction in the heart of Palm Beach Gardens, the community of Artistry Palm Beach offers a 24/7 manned-gated entry and resort style amenities, just minutes from beaches and The Gardens Mall. The community is 1 mile to the Alton Town Center, which includes restaurants, shopping, grocery stores, beauty salons, and more.

FEMA Offers Monthly Payments for Flood Insurance

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Source: FEMA Offers Monthly Payments for Flood Insurance

FEMA Offers Monthly Payments for Flood Insurance

Some property owners with flood insurance through the National Flood Insurance Program (NFIP) will soon have a more flexible payment option.

WASHINGTON — On Dec. 31, the Federal Emergency Management Agency (FEMA) — which oversees the National Flood Insurance Program (NFIP) — will break a 55-year tradition of requiring annual up-front payments for flood coverage and will offer the choice of monthly installments. While FEMA made the change to satisfy a statutory requirement, the agency also hopes the change will “expand access” and “reduce barriers to purchasing flood insurance.”

“Some consumers may lack the financial ability to pay the entire premium at one time,” FEMA wrote in the Federal Register. “The installment plan relieves the immediate financial pressure on policyholders from paying the entire premium amount at one time.”

Who this affects

Property owners renewing their NFIP policies or buying coverage for the first time can opt for monthly installments as of Dec. 31. But property owners whose lenders require them to escrow their NFIP premiums will still have to pay for coverage annually up front.

As of April 30, NFIP had 4.7 million policies in force, according to FEMA data. Dwelling, commercial, and condo policyholders will all have the option to switch. The only exceptions are those insured under group flood insurance policies — limited, subsidized policies that FEMA provides to individuals and households without flood insurance who experienced flood damage from a presidentially declared major disaster.

Florida has the most single-family home NFIP policies, at more than 894,000, according to the most recent state-level data. Texas and Louisiana follow, with more than 586,000 and 397,000, respectively.

Property owners can buy this flood insurance if their community participates in the NFIP.  Homeowners who live in special flood hazard areas and have a federally backed mortgage must buy coverage. But many property owners don’t elect to purchase flood coverage or can’t because their communities don’t participate in the program.

How monthly payments could help

In 2024, more than half of respondents to a Bank of America Institute survey saw themselves as living paycheck to paycheck. The data showed about a quarter of households spend almost all their income on necessary expenses.

In its notice to the Federal Register, FEMA acknowledged that a monthly payment option could make coverage easier to buy for people who can’t afford to pay their entire premium up front. In Hawaii, for example, the state’s average risk-based NFIP premium is $3,258 per year, which homeowners previously had to pay all at once.

“Providing an option for monthly installments will expand access to flood insurance to meet the evolving needs of the nation,” FEMA wrote. “The option to pay in installments may also increase policyholders’ budgetary flexibility by alleviating cash flow pressure, as they could use the deferred payment to address other monthly needs.”

The agency also hopes that making more regular payments will keep homeowners aware of their flood risk and encourage them to retain coverage.

“Facing a one-time annual payment, a policyholder may rationalize a decision to opt out of renewing on grounds that they perceive their risk to be low or that they will instead save the money spent on premium to self-fund repairs,” FEMA wrote. “In contrast, policyholders who make more frequent flood insurance payments will have an ongoing reminder that they are protected against flood, and may be more aware of flood alerts, news about flooding, and more accurately perceive their risk.”

Copyright © 2024 Bird Street Media, LLC.

Owning a Florida property as a UK Resident

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If you’re thinking of becoming a Florida “Snow Bird” from the UK give me a call, Chris Ryder 561.818.3858. My wife grew up in the Windsor area and here family now “snow birds” from their to the Jupiter area. Why? Orlando get’s old real quick and getting back and for to the London area is SOOOO EASY from here. The Tri Rail is the “commuter train” in this area. This train goes from Mangonia Park (West Palm Beach), about 20 minutes away, and brings you right into (as in walk to the terminal) the Miami Airport where there are regular, direct, and cheap flights to/from the UK.

The area north of West Palm Beach is PERFECT. The beaches in Juno Beach and Jupiter are some of the best in Florida. This area is the “narrow spot” between the Bahamas and Florida where he Gulf stream tempers our winters. In Feb one can go to the beach in Juno/Jupiter but it gets cool very quickly as one goes north of here. That’s becasue this is the edge of the “sub tropical” zone. Like boating? This is the place with world class fishing just off the coast.

The whole area is built around servicing the core wealth of the US that has been vacationing here since the 1920’s when Henry Flagler developed it.

Like golfing? The options for Golf are endless in the area that was home to the PGA for decades in Palm Beach Gardens. Where else would one find a Jack Nicklaus signature course local and open to the public like North Palm Beach has?

Need some culture? West Palm Beach has that in places like the Kravis Center featuring world class cultural events for the Palm Beach crowd.

We also now have a high speed train, the Brightline, with a station in West Palm Beach with service south to Miami, or north to Orlando.

Want to travel from here? No problem. The Palm Beach International Airport is about 20 minutes away with non-stop service to just about anyplace you want to go. Jet Blue flies to places like New York and Boston for about $300 round trip. The Bahamas are just 50 (not a typo) miles away with regular flights. Or take one of the many cruises that leave from Fort Lauderdale, Miami or Cape Canaveral. Drive to Miami in about an hour and half, park, walk accross the street, and get on a cruise. It’s fantastic!

Travelers on a UK Visa waiver can be here for up to 90 days at a time with no problem. And visitors with a visa staying up to 6 months is no problem.

Why endure another winter in the UK? Florida awaits you!

708 Mainsail Circle Jupiter FL 33477

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708 Mainsail Circle Jupiter, FL 33477 in Sea Colony.

Welcome to Sea Colony!…. a beautiful gated community staffed 24-hours per day in sought after east side of Jupiter with recently renovated resort style pool, spa and party deck area. Sea Colony also provides Pickleball Courts, Tennis Court and two private Gates for access to Jupiter’s Dog Friendly Beach just across Jimmy Buffet Memorial Highway. Sea Colony has a two-pet limit with NO weight restrictions. This 3-Bedroom/3-Bath/1-Car Garage unit has a private location close to north beach gate and direct Ocean Views from upper floor. New roof in 2024. Association completed concrete restoration work in 2017. 708 Mainsail has complete Hurricane Impact Windows, Slider and Doors. Recent 2024 Wind Mitigation Report available. (see more)

Travertine Marble in main Living Areas and Porcelain flooring in Main Level Bedrooms. Third Bedroom/Loft area recently remodeled with LVP flooring and fully remodeled full bath. Unit has great entertainment/bar area that is the social center of the home. Electric Panel replaced in 2022. Harbourside Place dining and entertainment district, Jupiter Inlet Funky Fishing Village area, and Maltz Jupiter Theatre are just up the road. Easy drive to Downtown West Palm Beach and Palm Beach International Airport.

This data is provided by:

Mainsail Realty Services Inc

RSS Florida Association Realtors

From Our Blog

Ending Buyer Broker or Listing Agreements Early

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Source: Ending Buyer Broker or Listing Agreements Early Ending Buyer Broker or Listing Agreements Early By Joel Maxson There are important differences between a conditional and unconditional termination when a buyer or seller and brokerage firm agree to part ways. ORLANDO, Fla. — Florida Realtors® forms include an Exclusive Buyer Brokerage Agreement (EBBA) and Exclusive Right of Sale Listing Agreement (ERS). The EBBA recently had […]

What are the 2025 Conforming loan limits in Palm Beach?

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What are the 2025 Conforming loan limits in the Palm Beach County area like Jupiter and Palm Beach Gardens? According to the HUB site the maximum loan amount for “conforming” (the loans with the low intereste rate advertised) is $806,500 for BOTH the Palm Beach and Martin County area. This is an increase from $766,550 last year. […]

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