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Snowbirds love Florida -- but not rising costs, traffic
Amy L. Edwards | Orlando Sentinel Staff Writer
Posted December 24, 2006
They bypass blizzards, avoid hurricane season and enjoy what seems like a never-ending, comfortable summer. They have uninterrupted days on the golf course, plenty of sunshine at poolside and can travel at will.
And to top it all off, they are retired.
This is the life of a snowbird, formally known as a seasonal resident, and Florida is their top destination.
Each winter, hundreds of thousands of retirees leave their Northern homes and flock to Florida. An estimated 818,000 people age 55 or older came into the state for the peak of the 2005 winter season, according to a University of Florida study.
And many of Florida's snowbirds are making the move permanent.
Of people age 55 or older who moved permanently to Florida from 2000 to 2003, nearly 25 percent said they lived part of the year in the state before making the move, the study found.
Additionally, 30 percent of snowbirds said it was likely they will move to the state permanently in the future.
That's a move that Marguerite Marion said she could see making when travel from her home in New York to Lake Wales each year gets to be too much.
"I can't stand the cold and the snow anymore," said Marion, who, with husband Roger, lives in the Towerwood community about eight months a year.
Marion, 71, said she feels better when she is in Florida.
"Your attitude is different. When you can walk to the window and see the sunshine . . . it makes a difference," Marion said. "The sun is definitely a big draw down here."
Florida has competition
At the same time, other states are competing with Florida for the affections of snowbirds and retirees, said Mary Lu Abbott, editor of Where to Retire magazine.
Georgia and the Carolinas are gaining in popularity because they offer four seasons but don't have the harsh winters of Northern states.
Some retirees are turned off by the congestion and growth in parts of Florida, she said.
Others can't afford to live here anymore, said Gerry Brissenden, president of the Canadian Snowbird Association. Rising property taxes and homeowner-insurance premiums are squeezing some retirees out of the state.
"A lot of Canadians . . . are selling their properties and looking to Texas and Arizona as other places to go," Brissenden said. "If you own property down here, you certainly want to insure it. When you can't insure it, you look and say, 'Do I want to be here?' "
Though other states may be gaining in popularity, Florida still has more snowbirds than any other state, the UF study found. Texas has an estimated 300,000 snowbirds and Arizona about 273,000.
The number of snowbirds and seasonal elderly residents is likely to increase in the coming decades as baby boomers age and incomes grow, the study projected. "Florida has a long tradition of welcoming its most famous part-time residents, our snowbirds, with open arms," said Gov. Jeb Bush in response to a query from the Sentinel. "We are working to keep this relationship strong, and look forward to welcoming generations to come."
While many are already here, Florida's snowbird population will begin to peak next month -- 80 percent of snowbirds surveyed reported being in the state from January to March.
'Best of both worlds'
Ask snowbirds why they come to Florida, and you'll likely get the same answer: the weather.
"I think we have the best of both worlds when it comes to weather," said Marge Tackmann, a 69-year-old Michigan resident who, along with husband Jim, calls Four Corners home during the winter. "We love it," she said. "Every so often we have to pinch ourselves."
Eighty-three percent of snowbirds surveyed for the UF study said they come to Florida because of the warm winters.
Snowbirds love Florida, but not all Floridians share the same affection toward the seasonal residents. Roads are more congested, restaurants crowded, and certain public services -- such as calls for emergency-medical service -- are more taxed when snowbirds are in town.
Auburndale resident and Florida native Debbie Smith said snowbirds' driving is what irks her.
"They're too slow," she said. "They just don't know how to drive."
Polk County EMS reported an 8 percent decrease in the number of calls it received from April to June 2005 compared with January through March.
Harvey Craven, Polk's interim EMS director, said paramedics and emergency-medical technicians know winter means a higher call load.
"We know it's coming," he said. "It's something we adjust to."
Boon for businesses
Though they may add more cars to the road and demand government services, snowbirds contend they pay their fair share in property, sales and gas taxes.
"We do spend a lot of money down here," said Brissenden of the snowbird association.
Brissenden said he knows "a lot of people down here complain" about the snowbirds, but he says the snowbirds and tourism help keep Florida from having more taxes.
"If we didn't come down here, we wouldn't have those roads and those restaurants," he said.
Business people certainly appreciate seasonal residents.
"Snowbirds are our customer base," said Debbie Brozio, who, along with her family, runs Taste of Florida restaurant in east Polk County. "Eighty to 85 percent of everyone who walks through that door is 55-plus. A majority of those are snowbirds." The restaurant, known for its grapefruit pie and strawberry shortcake, is only open October through May -- when snowbirds are in town, Brozio said.
Kent Buescher, owner of Cypress Gardens Adventure Park, said seniors make up about 55 percent of his park's visitors during the winter but only 15 percent to 20 percent during the summer.
The musical lineup at Cypress Gardens is one example of how businesses cater to snowbirds: Concerts range from Willie Nelson and "Frank, Sammy and Dean -- A Rat Pack Tribute" in the spring to Christian-rock band Third Day in the summer.
Though no state tourism organization or area business group could put a dollar amount on the impact snowbirds have, officials at various agencies agreed they are crucial to Central Florida's economy.
"A significant portion of our tourism revenue is coming from snowbirds," said Mark Jackson, director of Central Florida Tourism and Sports Marketing.
Winter residents also help the short-term-rental market, which has a strong presence in Four Corners, said Sara Moore, spokeswoman for the Central Florida Property Managers Association.
"Smaller properties [condos and town homes] tend to have higher occupancy and longer rentals during the winter," Moore said. "This is due in part to snowbirds taking advantage of a rental home away from home, either by staying in their own property or renting through a management company."
Abbott agreed retirees have positive economic and social impacts on a community.
"First, most of those who relocate from other states are bringing a nest egg: pensions and money gained from selling a home. They're looking to reinvest in a home at their new town," she said.
"Second, they are bringing talent and energy. Many who retire and relocate to a new state are active retirees who want to get involved and contribute to the community. They now have time -- and money -- and many want to give back to society, to make a difference."
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10 Tough Retirement Questions from FORTUNE Magazine
Answers to your ten most urgent retirement questions from our two no-nonsense experts.
By Ellen McGirt and Andy Serwer
(FORTUNE Magazine) - William Shakespeare nailed the retirement thing, buying a country house for cash, then living off his investments until he died. When we went on the Internet to ask readers what they wanted from retirement, we found people wanted what he had - a secure stream of income (and to avoid the plague).
There's the rub: Satisfying these simple desires requires complex decisions. We want to help. Here are the ten questions that came up most often- and our answers.
How much will I need in retirement?
Ellen McGirt: The conventional wisdom is that you'll typically need 70 percent to 85 percent of your working income. But there is no one-size-fits-all answer. First, you need to consider what kind of retirement you want - and be realistic about what your resources are. Some late-blooming boomers have considerable debt; others have notions of retirement - say, that dream trip to Antarctica - that are, frankly, damned expensive.
Drew Tignanelli, a CPA and financial planner from Maryland who manages $120 million, doesn't start with a number. "I've had clients retire happily on 50 percent of their salary and others who couldn't make it on anything less than 120 percent," he says. Instead, he encourages his clients to bring their dreams into focus first and work backward from there.
"Give me as much detail as you can about your goals, when you want to retire, where and how you want to live, and what you want to leave behind." It's a complex financial stew, requiring his clients to make tough decisions on spending, saving, and risk. And the calculations need to be adjusted as times, needs, and assets change.
Guessing, which is what the Employee Benefit Research Institute says almost half of all workers do, is not a good idea.
"To meet your goals, you may need to work longer, save more, or take more risk in your portfolio," Tignanelli says. "Most people need to set priorities and make tradeoffs."
FORTUNE's all-in-one retirement package includes the 40 stocks to buy for the long-term, secrets to a happy retirement, where to retire in style and more.
Projecting into the future is an imperfect art, which is why he suggests doing it early and often. Do-it-yourselfers will find no shortage of worksheets and online tools - T. Rowe Price has a good one at troweprice.com/ric, as does FORTUNE's corporate sibling at cnnmoney.com/tools. For those who prefer talking about money face-to-face, consider a trip to a fee-only planner, who can help craft a plan for a flat fee (rather than one who will manage your portfolio for a percentage of assets).
SOURCES to consult: napfa.org; discovergarrettplanningnetwork.com
Where should I invest now? 
Andy Serwer: Over the next five years or so, that's simple. Unlike building a wardrobe, if you are starting a portfolio, you want to invest in what is out of fashion at the moment. The least-loved sector in all of investingdom right now is a group of names most familiar to you, which is to say large-cap U.S. stocks.
Fact: The S&P 500 index has underperformed the S&P 400 mid-cap index and the S&P 600 small-cap index every single year this decade. (And over the past three years the U.S. market has been trounced - and we are talking wiped - by overseas markets.)
For a list of shunned names, look no further than the Dow Jones industrials. Remarkably, 11 of these stocks - GE, Coke, IBM, Home Depot, Merck, Dupont, Intel, Wal-Mart, GM, Verizon, and AT&T - have trailed the S&P 500 over the past five years. (The latter two telcos are down 30 percent and 24 percent, respectively.) Of course these companies have problems, but they are also out of favor. It's almost indisputable that some of them will break out over the next half decade. Says Bob Smith, manager of the Growth Stock fund at T. Rowe Price: "Relative to the market, larger diversified companies are cheaper than they have been in the past ten years."
And no, no, no, do not bet your retirement on a tech-stock echo boom. Sure, there will always be a Google or three or four around to tantalize, but as far as a wave that lifts every ship, like the one we rode in the late '90s, get over it. That was a once-in-a-lifetime event - thank God.
For a world-changing event that is worth a flutter, though, check out those crazy foreign markets. Just about the insanest has been India. It was up 45 percent last year, then down 13 percent in the month of May. Still, Smith of T. Rowe is a believer, and in fact prefers India to China.
"The positive in India over China is that India has more dynamic companies than China," he says. "If you have a ten- or 15-year time horizon, I think owning India is going to be a really good thing. It's been volatile lately, but over the long term, if you own Bharti or Infosys, they probably offer better growth than some of the larger-cap U.S. companies." Smith also says to look to Eastern Europe for outsized gains overseas.
Serwer: Yes, they've been huge winners, and a big score could set up retirement nicely. But sorry, it's late to get into this game. Up until the recent swoon, copper prices had more than tripled over four years, and silver had more than doubled in three, while everything from sugar to orange juice has pretty much followed suit.
It's only been the biggest commodity boom in 50 years, and that, says superstud investor Bill Miller, portfolio manager at Legg Mason, strongly suggests that you will be chasing a train that has long since left the station. "The time to own commodities is when they are down, when everybody has lost money in them, and when they trade below the cost of production," Miller wrote recently. "That time is not now."
Except, maybe, for oil. The notion that demand for petroleum products will suddenly dry up, or that we will find huge new supplies, or that we will suddenly - presto! - convert to alternative energy sources (with all apologies to Willie Nelson) seems unlikely at best.
Regardless of the macroeconomic environment, over time investors in Exxon seem to make out almost as well as the company's former CEO Lee Raymond. The bottom line is impressive: Since the end of 1980, Exxon has recorded a total return of 3,789 percent, compared with 1,836 percent for the S&P 500. I wouldn't be surprised if this stock and certain other oil and gas plays, such as Petroleo Brasileiro and Total (both part of our FORTUNE 40 portfolio), do well for the near future. For a domestic play, Valero, the largest U.S. refiner, had a great year and still looks awfully strong. What if I'm getting close to retirement and don't have enough?
McGirt: The tough truth: Keep working. "By working an extra five years, it's possible to increase annual [retirement] income by 25 percent," says Andy Eschtruth from the Center for Retirement Research at Boston College. Even working part-time will allow you to keep more of your IRA assets growing tax-free.
You may be tempted to start taking Social Security the day you become eligible. Hey, you've earned it. But waiting could mean a bigger payout - an annual benefit of $10,000 at age 62 could grow to $15,000 if you hold off until age 66. The hope, of course, is that you'll live long enough for the bigger, later payout to exceed what you would have collected if you'd started earlier (to age 76 in this example).
But the peace of mind that comes with having a bigger monthly income later on, when you may need it for non-negotiable expenses like health care, can outweigh the simple math. You need to decide what's more important to you. Retirement may also be a time to think outside your zip code. A small pension and assets from the sale of a home in an expensive state like Maryland can go a long way in, say, Tennessee.
"The real problems happen," says Tignanelli, "when people don't face the facts." And real solutions begin by matching your expectations to your financial situation.
(Sources: Social Security Administration's benefit calculators, ssa.gov/planners/calculators.html; Realtor.com)
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Second-home owner survey shows solid market
WASHINGTON -- May 12, 2006 -- A new survey of second-home owners by the National Association of Realtors® (NAR) shows baby boomers continue to dominate the market, and a growing number of second homes -- more than one-in-10 -- are owned by minorities. A surprising majority of respondents own multiple properties in addition to their primary residence.
David Lereah, NAR’s chief economist, said the market continues to be dominated by the baby boom generation. “Middle-aged, middle-income households are the driving factor in the second-home market, with favorable demographics providing a solid fundamental demand in this sector for the next decade,” Lereah says. “Boomers believe in diversifying their assets, and most second-home owners see their purchase as being a better investment than stocks. A surprising majority of survey respondents hold multiple properties, and they are interested in purchasing additional homes.” About six in 10 respondents own two or more homes in addition to their primary residence.
Minorities have become more active in the market, accounting for 11 percent of vacation home purchases between 2003 and 2005 in contrast with 6 percent of purchases in 2002 or earlier. In the investment property segment, minorities accounted for 17 percent of transactions between 2003 and 2005 compared with 11 percent in 2002 or earlier.
An unexpectedly high number of vacation-home owners, 21 percent, own two or more vacation homes. In addition, 34 percent of vacation-home owners report they own two or more investment properties.
More than half of investment property owners, 53 percent, own two or more investment homes and 12 percent own two or more vacation homes.
Analysis of U.S. Census Bureau data shows there are 6.8 million vacation homes in the United States and 37.4 million investment units in addition to 74.6 million owner-occupied units.
NAR President Thomas M. Stevens said the term “second home” appears to be something of a misnomer. “The fact that so many owners of vacation homes and investment property have additional properties is a bit of a revelation,” says Stevens.
“We’ve always known that a certain segment has invested heavily in the rental market, and some people earn their living simply by holding and managing investment property. What we see now is a crossover between largely vacation- and investment-home owners, with people recognizing the value of those investments and pouring more assets into real estate,” Stevens says.
The typical vacation-home owner is 59 years old, earned $120,600 last year, and purchased a property that is 220 miles from their primary residence, though 34 percent were less than 100 miles and another 34 percent were 500 miles or more. Eight out of 10 drive to their property, and half of vacation homes are located within the same state as the owner’s primary residence. Eighty-three percent of owners are married couples.
Three-fourths of vacation-home owners purchased for personal use, although one-third also wanted to diversify investments, and 18 percent intended that the home would become a primary residence in retirement. Only 13 percent of vacation owners listed rental income as a reason to buy. The typical owner spends 39 nights per year at their property, and three-quarters do not rent out. Of those who do rent their vacation home, the median number is 12 nights per year.
The median age of an investment owner is 55, with an income of $98,600 in 2005; 75 percent of owners are married couples. Their investment property is located close by, within a median distance of 10 miles.
Two-thirds of investment-home owners purchased their property to generate rental income, and half viewed the property as a way to diversify investments. Eight out of 10 spend no time in their property. Not surprisingly, 80 percent rent it out, with 73 percent renting for at least six months per year.
For all second homeowners, their most recent property was purchased a median of six years ago. However, most have held additional properties for longer periods.
As for attributes desired in a vacation home, two-thirds want to be close to an ocean, river or lake; 39 percent close to recreational or sporting activities; 38 percent close to vacation or resort areas; and 31 percent close to mountains or other natural attractions.
Leisure activities of interest to vacation-home owners include beach, lake or water sports, 57 percent; boating, 38 percent; hunting or fishing, 32 percent; golf, 21 percent; biking, hiking or horseback riding, 20 percent; ski or winter recreation, 17 percent; and tennis, 9 percent.
Half of vacation homes are located in resort or recreational areas, 18 percent in small towns and 16 percent in rural areas. Four out of ten are detached single-family homes, 22 percent are cabins or cottages, 21 percent condos in buildings with five or more units, 7 percent a townhouse or row house, 5 percent a mobile or manufactured home, and 3 percent are located in two-to-four unit structures; 1 percent were other. Six percent said their vacation home was a timeshare unit.
The median size of a vacation home is 1,480 square feet, 29 percent were new when purchased, and owners estimated the current value to be a median of $300,000 – 68 percent said the value of that property was lower than their primary residence. Sixty-five percent of owners said their vacation property was a better investment than stocks.
Six out of 10 investment properties are located within metropolitan areas. Half are single-family homes, 21 percent are a duplex or apartment in a two-to-four unit structure, 13 percent condos in a building with five or more units, 8 percent a townhouse or row house, 3 percent a mobile or manufactured home, and 2 percent a cabin or cottage; 4 percent were other.
The median size of an investment property is 1,520 square feet, 15 percent were new when purchased, and owners estimated the current value to be $200,000. Three-fourths said the value of their investment property was lower than their primary residence, and 70 percent said their property was a better investment than stocks.
Four percent of vacation-home owners and 8 percent of investment owners said they intended for their child to occupy that property while in school.
Among buyers of second homes in recent years (since 2003), two-thirds purchased through a real estate agent. Eighteen percent of vacation homes and 17 percent of investment properties were purchased directly from owners, while 14 percent of vacation homes and 7 percent of investment properties were purchased directly from builders.
Thirty-two percent of all vacation-home owners and 24 percent of investment owners paid cash for their property. Combined with mortgages that have been paid-off, 82 percent of vacation homes and 75 percent of investment properties are owned free and clear.
Of owners who purchased with a mortgage, the median downpayment on a vacation home was 27 percent and the median downpayment for an investment home was 23 percent.
When asked about the source of downpayment funds for more recent vacation-home owners with loans, who purchased since 2003, half said savings, 23 percent from the sale of other real estate, and 19 percent identified equity or sales proceeds from their primary residence.
For more recent investment owners who purchased with mortgages, half said downpayment funds came from savings, 28 percent from equity or sales proceeds of their primary residence, and 18 percent from the sale of other real estate.
“With older baby boomers just now reaching 60 years of age, and younger boomers in their early 40s, the lifestyle preference of boomers will figure prominently into future demand for vacation homes,” Lereah says. Eleven percent of vacation-home owners said they were planning to buy another home within two years, and 10 percent said they planned to sell.
On the other hand, ownership of investment property hinges on financial gains that can be expected from rental income and appreciation. “Mortgage interest rates, local economic conditions and the local rental market are more important factors in investment decisions. Cooling appreciation rates and greater loan oversight are expected to discourage the speculative element in the investment market, although that is likely to be a relatively small portion of the overall market,” Lereah says.
Even so, 35 percent of all investment-home owners said they were planning to buy another home within two years. For those who currently own four or more investment units, 64 percent said they planned to buy another property within two years, and 17 percent said they planned to purchase five or more additional properties.
Twenty-eight percent of investment owners plan to sell a property within two years.
The 2006 National Association of Realtors® Profile of Second-Home Owners is based on an eight-page questionnaire mailed in January 2006 to a nationwide sample of 45,000 households who owned more than one residential property. It generated 416 usable responses from vacation-home owners and 619 from investment owners.
NAR sells the full study results, and it can be ordered online at www.realtor.org or by calling (800) 874-6500. The cost is $50 for NAR members and $125 for non-members.
© 2006 FLORIDA ASSOCIATION OF REALTORS®
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Survey: Boomers still prefer the single-family home, even for retirement
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ERA Real Estate has announced the results of its annual survey of mature consumers regarding their opinions toward real estate and the home buying and selling process. The national telephone survey of more than 1,000 men and women aged 50 years and older determined that the majority of respondents (64%) clearly identify the single-family home as their preferred residence of choice.
The survey found that 21% of 50+ consumers were considering a move in the next five years. Of those who plan to move, a majority (63%) are looking to purchase a single-family home, while 18% would purchase a condo or townhose and only a scant 2% would choose an adult community.
More than half of those surveyed (55%) cited retirement os one of the reasons for buying a new home. Other motivationg factors identified include a desire to downsize, lower taxes, proximity to friends and family, a change of climate and affordability. Predictably, 42% of seniors over 65 years of age factored health concerns into their decision to move. A surprising 15% of senior men and women actually said that they wanted to upsize their home.
"The mature consumer continues to be an extremely influential group with very specific wants and needs" says Brenda W. Casserly, president and COO, ERA Franchise Systems, Inc.
Family Ties
Though the 50+ demographic may be mobile, they aren't planning to stray too far from loved ones any time soon. 71% said it was important to be near their family. Family ties were even stronger for women (77%) than men (65%).
Home Sweet Second Home
A relaxed lifestyle appears to be high on the priority list for some 50+ buyers. 15% of respondents said they owned a second home or vacation home while an additional 10% indicated they would consider buying one in the next 5 years. While 55% of respondents who own or plan to buy a second home want it for vacation purposes, 48% made or plan to make their second home purchase for retirement. A savvy 45% bought it or plan to buy it as an investment though there's a dramatic difference between males and females when considering the investment potential of a second home with more males (51%) than females (37%) citing investment potential as a reason for buying.
House Hunting
When it comes to searching for a house, one out of four (27%) said their first step would be the internet if they were thinking of moving or buying a home in the next 5 years. However, this search method was more prevalent for those under the age of 65 (33%) than those age 65 or older (12%). Talking to a real estate agent or broker that they know, was the preferred first step for 18% of those polled while 14% would choose to talk to a friend, family member or business associate.
Choosing a Sales Associate
While mature consumers report being comfortable searching for a new home on the internet, when queried about how they would choose a real estate agent they indicate that they would rely more on interpersonal contact with 62% saying they would get a recommendation and 60% would call a friend. Almost half (45%) said they would visit one or more real estate brokers and talk to sales associates. One in five would look in the newspaper or search the internet.
Ideal Neighbor
Surveyed respondents might be counting on practicing their golf swing real soon. When asked which celebrity would make the best next-door neighbor, the majority chose pro golfer Tiger Woods. Affable talk show host Regis Philbin was a close second while funn lady Ellen DeGeneres was third. Only a small percentage of respondents would borrow a cup of sugar from Desperate Housewife Teri Hatcher, and James Gandolfini of the Sopranos fame ended up dead last.
This survey represents the latest in ongoing series to monitor and address the concerns of the growing mature consumer market. These efforts include customized and personalized marketing approaches that meet the needs of mature consumers, as well as a variety of targeted services, resources and financial options.
This article was contributed to the Destin Log by RIS Media.
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Building for Boomers and Beyond Conference focuses on 50 and older market
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Builders eager to learn about the fastest-growing segment of the housing industry will convene at the Building for Boomers and Beyond: 50+ Housing Symposium 2006, held April 24-26 at the Pointe Hilton Tapatio Cliffs Resort in Phoenix, Arizona. Hosted by the National Association of Home Builders 50+ Housing Council, the Symposium is considered the premier educational and networking conference for the 50 and older market. With America's 50 and over population estimated to hit 100 million by the year 2010 and the first wave of boomers turning 60 this year, builders, developers and other housing professionals recognize the importance of the active adult market. Now in its sixth year, the Symposium was created to give attendees the tools to serve this evolving market and prepare for the future.
"This symposium is a valuable investment for anyone interested in the 50+ housing market," said Norman Cohen, chairperson of the 50+ Housing Council and a principal at Camelot/Signature Development of Marietta, GA. This year's format features courses and speaker sessions covering virtually every aspect of this segment of the building industry.
The symposium will offer separate educational tracks in design, multi-family, operations, planning, and sales and marketing, where attendees will learn how to:
- Design and develop active adult communities.
- Meet the evolving needs of boomer buyers as they plan for retirement.
- Develop marketing that appeals to mature consumers.
- Capitalize on upcoming trends in 50+ housing.
- Streamline operations from and manage from the ground up.
In addition to educational sessions, attendees will have the opportunity to explore the exhibit hall to see the latest products designed for the 50+ market. The symposium also features special events for attendees, including a kick-off reception, a golf tournament, and a tour of active adult communities in the Phoenix metro area.
Neil Howe, a prominent expert on generational issues and author of the best-selling books Generations, 13th Gen, and Fourth Turning, will keynote the event. Howe will discuss today's generations, focusing on the mature market and what motivates them as consumers and workers and how they will shape our national future. he will offer attendees insights on how to market to the mature generations by providing information on the groups' behaviors, attitudes and what messages they best respond to. Other nationally recognized speakers include LeRoy C. Hanneman Jr, former CEO and president of Del Webb Corporation, who will show industry leaders how to prepare for the boomer generation, the most affluent and lucrative market in US history. To register for Building for Boomers & Beyond or for more information visit www.nahb.org/build4boomers, or call 800-368-5242 x 8338.
This article was contributed to the Destin Lob by NAHB.
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