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R&R Realty - Jupiter Real Estate

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

Are use restrictions recorded?

October 5, 2018 by Chris Ryder

Are use restrictions for a property recorded in the Public Record?

Typical use restrictions for condominiums are things like:

Pets – No pets or 2 pets under 25 lbs ect

Vehicles – No trucks, no commercial vehicles

Renting – No renting for the first year of ownership or minimum 90 day lease term and not more than twice a year.

In a condominium these use restrictions are typically found in the recorded declaration of condominium (or amendment thereto) documents in a section titled ‘Use Restrictions’.  HOWEVER, if these recorded documents are silent on a particular issue and these same recorded documents allow for the board to adopt rules then the Board of Directors may adopt “reasonable” rules.  What’s reasonable?  That’s open for interpretation but I recently listed a property where the board adopted a policy that trucks were allowed nut only certain sized, non-commercial ones and they must be parked in certain spots.  Reasonable?

In a Home Owners Association (HOA) , as of July 1, 2018, a new law found in FS 720.306(1) requires that all “amendments to the governing documents” must be recorded in the public record to be enforceable. The definition of “governing documents” under Chapter 720 includes board adopted rules. So, if the board-adopted rules existing before July 1, 2018, have not been recorded, that is OK (assuming the association’s other governing documents did not already require it). However, as of July 1, any amendments to the existing rules must be recorded in the public records.

Filed Under: Blog, Frequently Asked Questions

What is the FINCEN Geographic Targeting Order

October 3, 2018 by Chris Ryder

What is the FINCEN Geographic Targeting Order?

If your looking at property for 1 million or more in Miami-Dade, Broward or Palm Beach County and you are planning on paying cash for the property and taking title in the name of a corporation or trust or something similar, then you should look into the FINCEN Geographic Targeting Order or GTO.  Basically the US government has decided (and the stats have shown this to be correct) that foreigners are using residential real estate in the US a vehicle for laundering money.  So, if you buy a property for more than a million the US government wants to know who the ‘natural person’ behind the ‘shell’ company or trust is and where they got a million bucks in cash to buy some real estate in sunny Florida.

CLICK HERE to read to original GTO.

CLICK HERE to read the renewed GTO.

Filed Under: Blog, Frequently Asked Questions

If a seller holds a mortgage on the sale in Florida how much interest can they charge?

September 27, 2018 by Chris Ryder

If a seller holds a mortgage on the sale in Florida how much interest can they charge?

So this comes up every once in a while.  The Buyer asks the the Seller to ‘hold paper’ or to hold a mortgage on the sale of the property?  The Seller, assuming they have the equity in the property to do this, think:  This is great!  Sure I’ll hold a mortgage but I charge 25% interest.

When considering a loan such as this in Florida, it is important to consider the statutory rules, called Usury Laws, that govern this type of lending.  Even though the Seller never actually hands the Buyer a check or other liquid funds this is none the less a loan.  The Buyer will execute a promissory note and an accompanying mortgage.  The note is the loan or IOU for the money lent.  The mortgage is the pledging of the property as collateral for this loan along with what are called covenants to do things like maintain and insure the property.   We will focus on the terms of the note.

The plain language of F.S. §687.03 indicates that it constitutes usury for any person to willfully “reserve, charge, or take” a sum of money equivalent to a rate of interest greater than 18 percent.

In Florida, the law states that the maximum interest rate for a loan with a principal amount of $500,000 or lower is 18%.  For a loan with a principal amount of over $500,000, the maximum interest rate is 25%.  It is, however, possible for the borrower to waive their protection provided by the usury laws.  These maximum interest rates apply to loans between individuals or corporations, and not to banks.

So, let’s say the property is to be sold for 450k and the Buyer has 50k (after closing costs) to use as equity.  The Buyer thus needs to borrow 400k which is what is stated on the note.  The maximum interest rate on the note is 18%.  If the net amount on the note were to be above 500k then the maximum interest rate would be 25%.

PLEASE, PLEASE, PLEASE speak to a lawyer before even laying out the terms to a prospective Buyer as any early termination or up front points charged may come into consideration.

Filed Under: Blog, Frequently Asked Questions

How to prepare for a flood?

September 19, 2018 by Chris Ryder

How to prepare for a flood?

First, remember the saying…”Hide from wind, RUN FROM WATER“.

The best preparation has at the end of it all an exit plan.  A plan to get you and yours always from the area prone to flood.  In the Carolinas they have had 2 ‘500 year flood’ events in the last few years.  This is because the flood maps are for traditional (rain) floods.  But, the Palm Beach County Hurricane Evacuations Zones take into account not only wind and traditional (rain) flooding but also from storm surge.  Know your evacuation zone and heed the evacuation notices.

Most of the real estate in Florida was built or renovated and thus updated according to a modern construction code.  Jupiter has seen several strong wind storms in the last 20 years and for the most part the wind caused damage, sometimes expensive damage, but little of it was life threatening damage.  As an engineer I can tell you that a standard wall wind load with wind moving at 130 miles per hour is in the range of about 40 pounds per square foot from wind.  But a single cubic foot of water moving at a design speed of just 6 feet per second (4 MPH) is 43.68  pounds per square foot.  2 feet of water is about 87 pounds per square foot.  When loads get up this high it’s very difficult to economically design for them.  Think about 5′ of flood water moving against a house?  And that the house is buoyant, so it’s trying to float at the same time.  A 1000 sf house displacing just 1 foot of water is 62,400 lbs of uplift. And that the wind may be pushing on the house as well. And that these events typically bring rain measured in feet.

So, to return to the question: How to prepare for a flood?

  • Buy flood insurance.  For most of us it’s $450 a year that’s well spent.
  • Buy supplies and store them BEFORE you need them.
  • Take valuables with you.
  • Bring everything inside and store it up high.  Rolling up a rug and placing on top of a table may be all it takes.  Most flood damage is 6″ or less of water above your floor.
  • Place good quality ‘duct’ tape around the door jambs.  Clean the door and jamb before placing tape on them.
  • Fill larger voids (dryer vents?) with expanding spray foam.  3 or 4 cans of ‘great stuff’ goes a long way.
  • Keep a few barrels of sand at your house and empty sand bags OUT OF THE SUN.  Fill them when needed and place in front of larger opening like along your garage door.
  • Keep in mind that the wind will move the water in with the energy of the storm (wind) behind it. But after the wind goes away the water has to move away by gravity and community drainage.  Maintain your swale areas and neighborhood drains to allow to water to recede as quickly as possible.

CLICK HERE to see what FEMA has to say about how to prepare for a flood.

CLICK HERE to see an example of how to calculate wind and flood loads.

Filed Under: Blog, Frequently Asked Questions Tagged With: flood insurance, Jupiter

Where on Jupiter Beach are dogs allowed?

September 7, 2018 by Chris Ryder

Where on Jupiter beach can I bring my dog?

Not all of Jupiter Beach is dog friendly.  Most of it is though. Basically, one can bring a dog to the beach in Jupiter from marker #25 at Marcinski Road going north to beach marker #59 which is the southern edge of Carlin Park.

Click on a link below to see a map of this area…

jupiter beaches map showing dog friendly area

This is an article on what the pet restrictions are with links to communities showing what is available for…

Jupiter along the beach

Juno Beach east of US-1

Filed Under: Blog, Frequently Asked Questions

Pet Friendly Condos in Juno Beach FL

September 5, 2018 by Chris Ryder

Where in Juno Beach can I buy a condo that’s pet friendly?

First, understand that, unlike Jupiter Beach which is north of the pier, pets are NOT allowed on the beach in Juno Beach.  The only exception in the ordiance are service (TRUE service animals like seeing eye dogs, NOT emotional support) animals.

Section 18-42 (Parks & Recreation – Animals) of the Juno Beach Code of Ordinances states: No person in a park shall be responsible for the entry of any animal, other than guide or service animals, into any park areas. For the purposes of this section, the term “animal” means any mammal, domestic or wild, other than man. (Additionally, the term “Park” means park, reservation, playground, beach, recreation center or any other area in the town owned or used by the town and devoted to active or passive creation.)

Interested in where along the Jupiter Beach one can take your pet?  CLICK HERE

Interested in what communities along the beach in Jupiter where one can have pets?  CLICK HERE!!!

This all being said here’s a list of the communities in Juno and the pet restrictions….

JUNO BEACHPETS?WEIGHT?#
700 Ocean DriveYESANYANY
AlicanteYESANYANY
BarclayYES35?
Bay Colony – New UnitsYESANY2
BeachfrontYES25
BrigadoonNO
ColonyNO
Cote De La MerYES251
Frenchmans HarborYES
GreenbrierYESCAT ONLY1CAT ONLY
HorizonYES301
Juno By The Sea The ManorYESCAT ONLY2CAT ONLY
Juno By The Sea The Surf
NO
Juno By The Sea The TowerNO
Juno DunesYES501
Juno Ocean ClubNO
Juno Ocean KeyYESANY2
Juno Beach The PreserveYESANY2
Juno ShoresNO
Oak Harbour CondosNOANYANY
Oak Harbour HousesYESANYANY
Ocean RidgeYES501DOGS & CATS ONLY NO REPTILES OR OTHER
Ocean RoyaleYES502
Uno Lago (a/k/a Ocean Trace)YES120LBS COMBINED WEIGHT2ONLY OWNERS
OceanfrontYES25lbs COMBINED WEIGHT2
Pelican WalkNO
Royal HomesteadNO
San RemoYESDOGS UNDER 24″
Sea DunesYESANYANY
Sea ImagesYES251
Sea OatsYES301
SeasideYESANYANY
SeaviewYESANY2
Seminole CondominiumsNO
Seminole LandingYESANYANY
The ColonyNO
WaterfrontYES202
Wexford CourtYESANY2
Ocean BreezeYES502
R&R Realty Jupiter Florida Real Estate

Filed Under: Blog, Frequently Asked Questions Tagged With: Juno Beach, Real Estate

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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

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 […]

1801 N Flagler Drive 901, West Palm Beach, FL 33407

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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R&R Realty

Jupiter Florida Real Estate

Phone: (561)626-8550
Fax: (561)626-8551

865 Donald Ross Rd
Juno Beach, FL 33408

Chris Ryder

Email: Realtor@RandRFlorida.com

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