October 28, 2025 • 40 mins
Heidi Odio joins the show to talk about niche markets in South Tampa and we talk about a listing in Apollo Beach on open water 8000 ft.² great deal. We also talk about kids growing up for Halloween!
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Episode Transcript
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Speaker 1 (00:00):
Welcome to the Business Happy Hour radio show with your host,
Frank Debankkodo, the owner of Lincoln Lending Group right here
in Tampa Bay for twenty three years, joined by his
incredible co host, Senia Akishana, realtor with Mahara and.
Speaker 2 (00:14):
Associates, Tampa's top real estate company.
Speaker 1 (00:17):
Together, they have helped finance and clothes nearly one billion
dollars of real estate every year.
Speaker 2 (00:23):
If you're looking for local mortgage or real estate advice.
Speaker 1 (00:25):
The Business Happy Hour team has been right here on
news radio WFLA for over a decade.
Speaker 2 (00:30):
Listen right here or find us on the Business Happy
Hour YouTube channel, or follow us on Instagram at Frankdebankkodo.
Speaker 1 (00:37):
Now, sit back, relax, and get ready for some serious mortgage,
real estate and business talk with two of Tampa's top experts.
Speaker 2 (00:44):
Here's Frank the Bank and Senia.
Speaker 3 (00:47):
Hey Tampa Bay, Welcome back to the Business Happy Hour,
your number one show for all things business and entrepreneurial.
I am your host, Frank the Bank Coodo, the owner
of Lincoln Lending Group and a one to three mortgage
dot com, right here in the WFLA studio with my
incredible co host back after a little time off.
Speaker 4 (01:07):
Yes, one day I missed you and I'm sorry, but
my little one got sick and I had to, you know,
stay home with him. Oh, you are to being a mom, so.
Speaker 3 (01:15):
You are just fine. It's all part of being a mom.
Is he feeling better now.
Speaker 4 (01:18):
He's feeling better?
Speaker 3 (01:19):
Yes, yeah, So everybody, if you've never been on the
show before, that is that is Senia Akishina with Mahara
and a.
Speaker 4 (01:26):
Thank you Frank.
Speaker 3 (01:27):
So, how did you have it good? You had a
little break fun? Did you have to listen to our show?
How crazy we got?
Speaker 4 (01:32):
I had little titbits. I need to go through the
whole thing.
Speaker 3 (01:34):
Though it was. It was a wild show. We had
a brand new person to radio, just like today, and
we told a lot of great stories. Matter of fact,
they almost had to kick us off the air because
we kept going and going with all of our stories.
So it was a good time. But today's going to
be a great show. We have Hidie Audio. Welcome to
the radio show.
Speaker 5 (01:53):
Thank you, Frank. I'm so happy to be here.
Speaker 3 (01:55):
Yes, I heard it. It's your first time on radio.
Is that true?
Speaker 5 (01:58):
It's my first time on radio and it's my first
I'm in a radio station at all, so very cool.
Speaker 4 (02:03):
Whoa, who wha, woah.
Speaker 3 (02:03):
You've never even been in a radio station. I've ever
been in a radio station in an awesome What do
we call this? This is our studio? I guess it's cool?
So fancy? What is it? James? What do we call this? Oh?
Radio complex? See, I knew that there was something about
it that I that I you know, it was something special.
But we've been doing the show now for my gosh,
I think we're we might be going on to our
(02:24):
twelfth year. I'm gonna have to go and look into that.
I know they're gonna make me sign another contract sooner
or later. But we have a great time here on
the radio. Sanny and I always talk about the new
statistics and what's going on the market, which today is
no different. Sennia has had a day off, a day off,
a week off. There we go. We got Heidi coming
on the Instagram a week off, so I know we've
got some interesting statistics and Heidi being a real estate agent.
(02:46):
It's gonna be another great real estate related show. Guys,
you may not know this, but Halloween is upon us.
Matter of fact, it is. If you're watching on Tuesday
on our Instagram Live. Right now, you only have three
days left to get your costumes and get ready for
All Hallows Eve. In the break, I'm gonna look up
(03:06):
where Halloween actually came from, and we're gonna talk to
you guys about that, because it did not start out
with candy and kids dressing up. I can promise you that,
but that's what our kids love to do. And I
don't know about you, but my kids are getting a
little bit older now, thirteen and fifteen, going on fourteen
and sixteen and sen they don't really want to do
that regular Halloween stuff anymore.
Speaker 4 (03:28):
Curious, like, at what age do kids like, are they
too old to do the trick or treating?
Speaker 3 (03:32):
Well, Hattie and ied kids go to school together as well,
so we're going to let's both answer that question since
we're talking about So I'll start sorry little hot today
I was coming and running. So my daughter wants to
still trick or treat, and she's gonna be fourteen in December,
but I think it's kind of more hanging out with
(03:53):
her friends. So she's want us to like drop her
off in a friend's neighborhood, right, and like, oh, I
go do this right, hang up with friends. My son,
he just we've been going to Old Carewood our whole
So I grew up in Old Carowood and now we
live in Odessa. But we go, we go over there
with some friends, right the Areola's right, you know them, Yeah,
And we go hang out at their house and we
still do that Old Carewood parade that I have pictures
(04:14):
of me at like three years old as a cowboy
in that parade. So we're just gonna go, We're gonna
walk around and say hi to some old neighborhood friends.
And my son says, he says, they're going to trick
or treat. I don't know, but he basically just wants
to disappear suspicious. Yeah. And I'm like, well, are you
carrying around like a Trader treat bag? He's like no,
I'm like, what are you really doing? Like where are
you guys going?
Speaker 5 (04:35):
Yeah.
Speaker 3 (04:35):
So I will say this. We've had a kid's Halloween
party every year for like the last literally fifteen years,
and this year my kids didn't want to do it.
They're like, no, no kids party. My wife she's like, nah,
no kids party. So we're doing an adult themed thing.
But it's it's weird.
Speaker 5 (04:50):
Did you decorate the house?
Speaker 3 (04:52):
It is in process? Okay, so it is so embarrassing, though,
do you do the same, like you decorate a house
like day before you do party and then it's over.
Speaker 5 (05:01):
Well lately, yeah, lately. Right, back in the day, I
used to go all out, but yeah, now it's busy.
Speaker 3 (05:06):
These kids are everywhere, right, no, right, and back in
the day, it'd be like October first and decorations are
going up.
Speaker 5 (05:13):
Yeah, but now that the decorations are insane. You got
these skeletons that are like twenty feet tall, and everybody are.
Speaker 4 (05:19):
Though, right, yeah, I don't have one, but I love those.
Speaker 3 (05:21):
Oh you know that, so you know what I'm doing.
I've got five of those. Ye literally. So we used
to do blow ups right for the kids, and you
buy those crazy twelve foot tall blow ups. But then
over time, you know, they get poles and they don't
work and all this, and then these ones you're talking about.
It was Home Depot. They came out with these giant
skeletons and if you buy them when they first come out,
they're like two hundred and twenty five dollars go online
(05:43):
to buy them. Now they're like seven hundred dollars. It's
like price it was when.
Speaker 4 (05:47):
You'd say cheaper, because I'm like, I don't want to
quite spend the money.
Speaker 3 (05:50):
They're literally, he said, they're like twelve and a half
feet tall. They're huge, they're plastic. I hire my nephew
every year to come over and put them together for
me because they're on these huge bases.
Speaker 5 (06:00):
Okay, where do you store them?
Speaker 3 (06:01):
Uh? In the entire second sot story to my shed
in the backyard, Like the entire thing is nothing but
these fogs.
Speaker 4 (06:09):
Two story shed.
Speaker 3 (06:11):
It's like a lofted shed, you know, it's got like
a loft on top. You can put the stone down. Literally,
I have so much garbage it's unbelievable. But so it's
a lot of fun. You know, we decorate. But I
actually just posted a video. We'll have to look at
my Instagram. I bought a I'm so rambling now, but
I bought a fog machine, right, And it's supposed to
be a theater fog machine, like a professional one that
(06:33):
is supposed to spit out low lying fog. So it's
not supposed to write. It's suposed to be like the
stuff like the Phantom of the opera like on the stage, right,
but you gotta fill it with dry, dry ice and
fog liquid. And I tested it last night in the
house and I should show you guys the video that.
Needless to say, my whole family was like a mute
and you're like, turn it off. We can't see our
hands in front of our face. This is gonna kill
(06:53):
the dog. It's gonna kill us.
Speaker 5 (06:55):
All.
Speaker 3 (06:55):
I'm like, I promise you that FuG is not going
to kill you, Like how can you breathe? So that
was like, yeah, So I posted this morning on Instagram.
My watch I don't ever do that again, so you
will see what our house looks like, half decorated with
a fog machine in the game room. Pretty funny. I
don't know why I rambled, but it is Halloween episode.
(07:16):
So this Friday we get to all do a Halloween
What about you, hotey? What about the kids? Are they
trick or treating kids?
Speaker 5 (07:20):
So we have four kids, ones in college, So he
doesn't call it, no idea what he's doing the little.
Speaker 4 (07:25):
One's Halloween parties?
Speaker 5 (07:27):
Yeah, sure there's something. The reason he's not calling it,
by the way, and I'm not going to ask then,
you know, one's got a hockey game at ten thirty
at night. That's crazy, so he won't be trick or
treating another one. Uh, he'll go. But it's a Friday
night this year, right, so.
Speaker 4 (07:41):
That got kids are so excited that it's finally like.
Speaker 5 (07:43):
A yeah, but there's a big U Tampa Catholic Jesuit
football game Friday night. So I don't know how they're
going to navigate that. I haven't heard yet.
Speaker 3 (07:51):
It makes much sense.
Speaker 5 (07:52):
My little seventh grader, she's she's loving Halloween. She's still going.
She's got a pack of friends and they're going to go.
They're all dressing up and like matching costumes.
Speaker 3 (08:00):
I think that is like the pinnacle. Yeah. I think
seventh grade is like you're you're you're kind of what
You're a woman, you're a man, you're smart, kind of
got the smarts of an adult.
Speaker 5 (08:10):
Yeah, you know, you can do a fun It's kind
of go on your own a little bit, right, maybe
the parents holding way back and kind of keeping a
far off eye out.
Speaker 3 (08:17):
But yeah, no, I think that is it. I think
seventh grade is the one where where that least just
snaps and they're they're roam in the neighborhood. I know, Sania,
how old are.
Speaker 4 (08:25):
The seventh grader? And I can feel like because this
is going to be the first year that she's not
trick or treating with me. She wants to go with
her friend and their neighborhood and there you go. Halloween's
been our thing, so you know, it's a little bittersweet.
Speaker 3 (08:36):
Now do you stay home and hand out candy?
Speaker 4 (08:38):
We you know what we always have. But actually I'm
going over to raise for a Halloween costume party.
Speaker 3 (08:43):
That'll be fun.
Speaker 4 (08:44):
I thought that would be fun because they really do
it up in their neighborhood. Yeah, take my little in
trick or treating there. It's it's pretty fancy.
Speaker 3 (08:51):
So your house is going to get egged, is what's
going to happen?
Speaker 4 (08:54):
It might, yeah, because I feel like, you know, yeah,
we try to have, you know, lots of good candy,
but this show, I'm like, already set a bucket out.
Speaker 3 (09:00):
Do you care to give your address?
Speaker 5 (09:03):
Are you going to turn your lights off or leave
them on?
Speaker 4 (09:05):
I think we'll leave them on. Yeah, And I mean, yeah,
you got a bucket and I still I decorated, even
just for the other kids walking around.
Speaker 3 (09:11):
Yeah, So here's what you do. Make sure you put
a bucket right, make sure the lights are on. It
makes you have a ring camera, all right, because then
you get to see who pillages your bucket, you know,
put a little sign that says you're on video. Right.
One year we did it and had the bucket because
we go to Old care Wood, right, so we just leave, right,
which I feel terrible for. My house is so decorated.
I have all these twelve foot skeletons. People are like,
this is going to be the best house. Ding dung.
(09:32):
Nobody's there, right. It was funny one year, like, no,
I put a little sign that says you're on camera.
Like the bucket was full. When I came back, I'm
like wow. I was like I didn't even give away
the candy, right. And then other years is like the
things turned upside down on my pumpkins smashed you know.
Oh wait, here's a question, Heidi, Yeah, do you still
do pumpkins? Are you carving a pumpkin?
Speaker 5 (09:52):
So here's the problem in Florida with pumpkins and they collapse,
you know, you carve them and they I thought.
Speaker 4 (09:57):
I was doing something wrong.
Speaker 5 (10:00):
No, it's Florida, Yeah it is.
Speaker 3 (10:02):
Yeah.
Speaker 5 (10:02):
So so no, I'm not doing carving.
Speaker 3 (10:05):
But it has nothing to do with the age of
the kids. It's just she's like, I hope they're not listening.
Speaker 5 (10:12):
They're scarred, they'll be in therapy.
Speaker 3 (10:15):
So you are carving pumpkinsent?
Speaker 4 (10:17):
Well, no, I don't know, because last year we did too,
and we were so excited. They look great, and I
mean then I was like like, I don't know what happened.
I'm like, all right, you know, I didn't google any
specific techniques, but I thought that I was doing something wrong.
Speaker 3 (10:28):
I don't know. There's people have like you can spray
stuff or whatever, but it really doesn't last.
Speaker 5 (10:33):
More than you just got to do it like that day.
Speaker 3 (10:35):
Yeah, most which who has time to do it that day.
Speaker 5 (10:38):
It's tricky, but it is fun.
Speaker 3 (10:39):
It is so I see some of our boys over
at JHS are watching right now. Oh yes, I don't
know if we've got an odio on there or not,
but I see a codo on nice.
Speaker 1 (10:50):
I like that.
Speaker 3 (10:51):
So the boys are watching. Don't get in trouble, boys,
we don't want to be picking you up late from school.
They were very late today. Were you late this morning?
Did you drop off?
Speaker 5 (10:58):
No? No, they my son drive.
Speaker 3 (11:00):
Yeah. Yeah, the traffic was horrendous this morning.
Speaker 5 (11:02):
Went they were probably because they were late leaving the house.
Speaker 3 (11:05):
So in case the faculty is watching, we were on
time leaving the house, but we were on the veterans
for forty six minutes, so we're just gonna pretend like
that went down that way. But anyway, Yeah, so you know,
haven't even bought a pumpkin, but now I need to
buy a pumpkin. I will tell you a fun thing
to do. Get oh, yeah, to take a break, Get
a don't do this and leave it with the kids.
(11:26):
Get a toilet paper roll, dose it in, soak it
in citronella, and drop it inside the hollowed out pumpkin
and it creates an amazing fire display and it protects
you from mosquitoes at the same time. So there's Frank
the Bank's Halloween tip. When we get back, we're going
to do real estate statistics with Senia and Heidi. Don't forget.
(11:47):
Heidi is a real estate agent. You can find her
at heidiodio dot com. You don't even know what she
does yet, but I tell you right now. She sells
real estate in South Tampa. So stay tuned. We're going
to be back on the Business Happy Here just a
minute with Sennia, Heidi and Frank the Bank. We'll be
back in just a moment.
Speaker 1 (12:00):
All the best mortgage or real estate advice from Tampa
Bay's top experts. It's the Business Happy Hour with Frankdbankkoto
and Sennia.
Speaker 3 (12:09):
All right, guys, welcome to the Business Appy Our segment
two with your host Frank Thebankkoto, owner of Lincoln Lending Group,
and eight one three mortgage dot com. Guys, we've been
on this radio for twelve years now giving you great
real estate advice, business advice. We've had some great guests.
Today is no different. We have Heidi Odio. You can
find her at heidiodio dot com. That's h g I
d Io d io O d I O. And if
(12:32):
you forget, of course, just go to contact Frankdbank dot
com or give me a call, shoot me a text
and I'll get you in touch with Heidia or Heidi
Idea Heidia or Senya Hidiya Hide. We're gonna go with that.
Let's see, we've got some real estate statistics. Sennya always
brings those, and Heidi and myself and Sennya We're going
to talk about what does that mean for you as
(12:52):
a buyer or seller a little later in the show.
If you are selling your house or if you are
an agent who lists properties or sale, do not miss it.
We will talk about it in the third segment after
this one. A new program where we will literally pay
off your first mortgage in full if you're listing your
house for sale, so you will have no mortgage payment
(13:15):
for six months, and we can give you up to
seventy five percent of the value of your house to
use for whatever you want. It's an amazing program, first
of its kind, being announced here on the Business Happy
Hour radio show on Halloween Eve. By the way, if
you're watching on Sunday or Saturday, Halloween's over, I hope
you had a great Halloween. I hope Cennya got all
the egg cleaned off of her house. She will not
(13:36):
be home, the lights will be on. There will be
a whole bucket of candy there, So if you want
to find out where she lives, we'll do that later.
But guess what's so the same thing at my house.
There's gonna be a bucket of Snickers bars on Lake
Marine Drive. If anybody wants to go and take them,
but you will be on camera, so watch out for that, Cenia.
Let's see as you get your stats ready. I got
(13:57):
to mention the Bucks in the Lightning. They both won
on Sunday. It was actually really cool. Were you there?
Speaker 5 (14:02):
I was there. It was amazing at the Lightning game
overtime was right right behind. Uh well, I was on
the with the side where the Lightning are offensive more often.
Speaker 3 (14:11):
So yeah, the score that's why. Yah?
Speaker 5 (14:13):
Yeah yeah, it was right, So the goal was on
our other side, right yeah, but so fun.
Speaker 3 (14:17):
It was what a great And what I thought was
really cool was how I'm sure a lot of people
they should have had it on the screen. People were
watching the Bucks game from the Lightning Yeah yeah, right,
so a lot of people had it in their laps.
I was one of them. And then the Bucks won,
and then they put it up on the screen and
the whole place cheered, and I thought that was.
Speaker 5 (14:30):
Really it was sweet.
Speaker 3 (14:31):
I loved it. Did you see the new food area
on the fourth floor.
Speaker 5 (14:35):
I only saw through your video.
Speaker 3 (14:37):
Video, So I'm gonna deviate real quick. Lightning fans, I
know every year you start the new season and you're
like Okay, what's the new food thing. There's got to
be some new food that they give us. Now. They
opened up the fourth floor where it is the beginning
of the club section. It's like a huge high end
food court. They had Greek, they had Korean barbecue, they
had the Baker Babes cookies, they had sushi, they had Italian.
(15:01):
It was awesome and a really nice place to sit
out there and eat with a nice view of the
city as well.
Speaker 5 (15:06):
So that's amazing there you go.
Speaker 4 (15:07):
I just wanted to go see a Lightning game because
I haven't been to one in a while. On their
fun but that I.
Speaker 3 (15:11):
Mean, I eat dinner at every Lightning game and it
kind of gets old to eat PDQ and pizza, you know,
Papa John. So I was really happy to see this,
and it was an accidental surprise anyway. All right, let's
do some stats with Sinya Akisha from Maharan Associates. What
are we doing this, Let's.
Speaker 4 (15:26):
Do some stats. I'm actually glad I wasn't here last week.
And I always get more excited when we get new numbers.
And they do have our September numbers. Oh boy, yeah, so.
Speaker 3 (15:36):
This is September twenty four, the September twenty five.
Speaker 4 (15:39):
Yeah, so these are year over year, and the last
couple of months we were talking about closed sales volume,
which was, you know, a bit down, but as we
predicted when we were going over August numbers, in September
we were up across all three of the counties. So
in Hillsboro the closed sales volume was up by almost
(16:00):
thirteen percent, and Panella's over twenty six percent. Wow, and
Pasco also almost thirteen percent.
Speaker 3 (16:08):
That's crazy, I know. So the Panella's thing is what
we've been watching because the hurricanes and how it depressed
the markets.
Speaker 4 (16:14):
And I think this is like the most interesting one too,
because actually in Panellas, I do see that the median
sales price has also dropped, where normally, you know, it's
kind of just kind of omanol or whatever. For September
it was actually down by ten and a half percent.
Speaker 3 (16:30):
Interesting, Hi, do you you seeing that?
Speaker 2 (16:32):
Well?
Speaker 5 (16:33):
I bet that's because a lot of these hoa's have
figured out how to handle any infrastructure costs they've carried,
and prices are probably down because of that, and then
because they figured out a solution, sales are going up.
Because people always.
Speaker 4 (16:47):
Say so these we do only pull I do single family.
Speaker 5 (16:50):
As okay, Okay, so I don't like to do you.
Speaker 4 (16:53):
Know, the condos, because I do feel, you know, the
numbers there are definitely different than for single family homes.
But I'm thinking it's because of the hurricanes and there's
still just so many homes that you know, either people
are having to sell. Hey, I'm not fixing it, yep,
or we're just seeing that hit from the repercussions of
the hurricane still and I.
Speaker 3 (17:12):
Mean it's literally been a year except I mean October
it's been a year.
Speaker 4 (17:16):
And the other thing I was curious about because technically
a colleen hit at the end of September, right, so
the year of a year, September numbers, I don't know
how much they were affected, but I'm curious for when
October comes out those numbers, even closed tales volume is
going to be I'm sure up. And if you're comparing
it to October of last year when we definitely just
saw it, I mean it was significant dead yes, yeah,
(17:38):
so we do have to take that into account.
Speaker 3 (17:40):
Speaking of hurricanes, so we've got this big hurricane that
by the way, this is Tuesday. If you're listening to
the radio show Melissa, Thank you James, it's about to
ravage Jamaica, and I saw where it's going in, like
in between Montego Bay and Kingston. It's where the airports are.
It is, it is going to be bad. But how
do you how do both of you think that that
(18:00):
as affecting the fact that we haven't had any real
issues during this hurricane season and we only have what
do we have like a month left?
Speaker 5 (18:07):
Month left?
Speaker 3 (18:07):
Right? I mean, what do you think I do? Do
you think if we make it through without anything really
hitting us, it's going to be a good thing?
Speaker 5 (18:13):
Well, I think it's a great thing. Well, I mean,
obviously it's a great thing all around. But I think
the confidence has been growing little by little, week by
week as we get closer to the end of hurricane season.
So I think that's that's beautiful.
Speaker 3 (18:26):
Isn't it wild?
Speaker 4 (18:27):
Though?
Speaker 3 (18:27):
That last year, I mean it wasn't just those two.
We had other ones that came in and struck the
land here too. Zero we haven't had any.
Speaker 4 (18:36):
Yeah, we've had such a quiet year with that, it'd
be knock on wood.
Speaker 3 (18:38):
Because it's so little.
Speaker 5 (18:39):
I know, I like don't like to talk about it
until we're past the season. But yeah, no, our hearts
are breaking and going out for the folks in Jamaica,
and you know, and then hopeful that that is the
end of the season.
Speaker 3 (18:53):
It would be phenomenal, it would be great. But I
feel the same thing as I feel like there's that
you said week by week. I agree with that. It's
this confidence that's building. And then coupled with the interest
right talk about coming down, everybody is kind of just
sitting on that fence. We have a lot more stats
that we have to do. We have forty nine seconds.
(19:13):
I think we should wait till we get back to Kait. Yeah,
that's way, because we want to keep talking about that.
And then I think maybe, like when we get the
October wines, we should do condos. You see. I mean
it's going to be ridiculous, But I'm really curious what
you two are seeing in the condo market. Are you
still seeing anxiety for people getting into them?
Speaker 5 (19:32):
What do you condos have been slow? I mean, for sure,
there's yeah, there's.
Speaker 3 (19:38):
Yeah slow in condos.
Speaker 4 (19:39):
I mean, yeah, it's just you know, it's a tough
tougher self.
Speaker 3 (19:42):
Yeah, But I think to Heidi's point, is these hoas
have figured it out at this point. So the good
news is we'll take up quick break. But the good
news is is that if you're buying a condo, chances
are you have no structural issues, You're fully funded with
your HOA, and everything was taken care of last year.
So I'm looking for a resurgence in the condo market
coming up next year on the Business Happy I'll be
(20:02):
back in just a minute with Senni Aikisha and Heidi Odio.
Speaker 1 (20:05):
Welcome to the Business Happy Hour radio show with your host,
Frank Debank Coodo, the owner of Lincoln Lending Group right
here in Tampa Bay for twenty three years, joined by
his incredible co host, Senia Akishna, realtor with Mahara and Associates.
Speaker 2 (20:20):
Tampa's top real estate company.
Speaker 1 (20:22):
Together, they have helped finance and clothes nearly one billion
dollars of real estate every year.
Speaker 2 (20:28):
If you're looking for local mortgage or real estate advice.
Speaker 1 (20:30):
The Business Happy Hour team has been right here on
news radio WFLA for over a decade. Listen right here,
or find us on the Business Happy Hour YouTube channel, or.
Speaker 2 (20:39):
Follow us on Instagram at Frank Debankkodo.
Speaker 1 (20:42):
Now sit back, relax, and get ready for some serious mortgage,
real estate, and business talk with two of Tampa's top experts.
Speaker 3 (20:49):
Here's Frank de Bank and Sennia Tampa Bay. Welcome back
to the business happy hour. Senia and I were doing
statistics with Heidi Odio h South Tampa real estate agent Extraordinay,
we're going to learn a little bit about where she
came from, where she sells. She's even got a listing
I think you said in Apollo Beach. Yeah, that we're
going to talk about. So if you're looking in beautiful
Apollo Beach, the one of the places where you can
(21:10):
get a lot of bang for your buck if you
want to be on the water. Apollo Beach, talk of
that place has been the talk of the town here.
Well now everybody knows about it, so it's going to
get too busy. But if you didn't notice, I'm wearing
my green jacket for Halloween today. It's Lincoln Lending and
Spooky Green. It's the only thing I didn't have an
orange one. That's all I could do. Sania, stats, we
just talked about. You just told me that Hillsboro was
(21:32):
up thirteen percent. Panellas was up thirteen percent, I'm sorry,
Panelas was up twenty something percent, twenty six and a
half double what Hillsborough was.
Speaker 4 (21:40):
Yes, and that's for closed sales volume a year over year.
Speaker 3 (21:43):
All right, what else we've got?
Speaker 4 (21:44):
So I'll go ahead and tell you the median sale
prices in Hillsboro four hundred and twenty five thousand. Panela
is also four hundred and twenty five thousand, which, as
I mentioned, the year over year number is you know,
now a double digit lust than last year. But I
also think that contributes because well, for one, I think
insurance too, right, so all the properties that are you know,
(22:07):
near the coast and affected by that. Yeah, so for
twenty five we haven't seen that in Panelas in a while.
But they also I think spiked up the most during
our COVID market and in Panelas it's three hundred and
seventy thousand, Panelas or Pasco I'm sorry, Pasca, So Panella's yeah,
(22:27):
Hillsboro Panela is both at four to twenty five and
Pasco three seventy. So yeah, the biggest fluctuation was for Panellas.
But at least that activity is going, you know, so
I think it's just the natural correction plus the hurricane
effects that you know. I don't think it's a bad thing.
Speaker 3 (22:44):
No, I don't. How do you how do you decipher that?
Speaker 5 (22:47):
It's spot on? I mean, it's it's as we're getting
away from the hurricane, we're having more activity and little
by little prices closed prices. I think we'll start to
see them come up again, particularly if we get interest rates.
Speaker 3 (22:57):
I think.
Speaker 4 (22:58):
And that's why yes, and I have been saying.
Speaker 5 (23:01):
Yeah, everyone's waiting, like, come on, bring them down, bring
them down.
Speaker 4 (23:05):
Before it happened.
Speaker 3 (23:06):
Yeah. So it's funny when people ask, you know, they're like, oh,
what do you think? Is this a good deal? Is
a good time? I mean, I am very adamant that
this is the time. And then I usually just turned
the conversation around and I just say, do you believe
that people are going to a lot of people are
going to jump in the market when the rates go
down a little bit more? And they're like yeah, I'm like,
have you kind of felt the pent up demand? They're
like yeah, I go, well, do you understand supplying demand?
(23:28):
And I don't talk facetiously to him, and everybody picks
up on that. They're like, yeah, I totally get supplying
to man. I go, well, what do you think is
gonna happen in prices? And then they answer their own question.
So very interesting though, that Pasco three seventy median sales price. Yeah,
I mean that's a good deal, guys. So if you
Pasco's not that, it's.
Speaker 4 (23:46):
Been the good deal. And they do have some great
locations and.
Speaker 5 (23:50):
They've got great development.
Speaker 3 (23:51):
How a lot of.
Speaker 4 (23:52):
People have been going up to Pasco to get, you know,
more bang for.
Speaker 5 (23:55):
Your absolutely, I mean just that Wesley Chapel up north
of that that area, and you've got some great schools,
rate restaurants. I think there's a lot of good things
to look at in Pasco.
Speaker 3 (24:03):
Yeah, great restaurants, I agree, And they just keep expanding
out there. And then even if you go up the Veterans,
there's been a lot of expansion on fifty two and
fifty spring Hill. Used to be just an Applebee's there.
Now you actually have lots of restaurant options. Actually, there's
a really nice steakhouse up the Veterans up at up
seventy five Prime eighty eight Berlander. Have you guys heard
of that? No, So, like they are saying this place
(24:26):
like puts out a steak like Burns and it's up
there in like Brooksville basically right, So now we're all
going to have to go. But there's got a free plug.
You guys always like four steaks. James gets a steak too,
but Prime eighty eight supposedly is a really good steakhouse.
So what else are the stats show us for the
September to.
Speaker 4 (24:41):
Still, well, I want to talk more about that close sales, Boby.
So in addition to you know what we said, I
also think that so the rumblings about the interest rates
and the interest rates themselves were lower right starting out
in September, just with the talk about you know, the
FED meeting. So I do think that also was a
contributing factor. Yes, it is spelt the activit like we
felt more buyers come off defense before that FED meeting. Yeah,
(25:03):
just because rates had already what do you say that
they're baked.
Speaker 3 (25:06):
In, baked in, And that's very important for people to know.
That is when you hear the news talk about the
rates coming down, that's when they're coming down. If you wait,
like people are like, oh wan to wait till the
FED meets No, No, No, that's when they're going to
go back up. You've got to do it before it happens.
Speaker 4 (25:20):
They're meeting again, what tomorrow?
Speaker 3 (25:22):
Yeah? So where are rates?
Speaker 4 (25:24):
Can you tell us where where we're at on rates
right now?
Speaker 3 (25:27):
Yeah? So if you're locking, we just gave a veteran
and I can't do this for everybody, but we just
gave a veteran five point one percent today. Wow. Right now.
There was a small cost to that. It wasn't free,
but it it shows you how close they are. Could
he have bought into the fours? Yes, he could have.
Did I recommend it? No, because I think rates are
going to come down further and it makes more sense
(25:47):
for him to spend the money when the rates are
a little lower. But yeah, you're I could do a
no point fha or v a loan right now for
in the high fives, you know five seven five, five
six two five, you can pay no points.
Speaker 4 (26:00):
Have you done your little Google machine?
Speaker 2 (26:02):
No?
Speaker 4 (26:02):
While he used to do that, he would do the search, like,
if you're a consumer and you're looking at what rates are,
let's do it.
Speaker 3 (26:07):
We haven't done it. Let's put thirty year rates today
and mortgage rates thirty year let's see what the Google
machine spits out for us. Okay, it says as of
October late October twenty twenty five, the average thirty year
fixed rate is six point twenty one to six point
two three percent. So guys, don't listen to Google because
you are in the fives right now. You are not
(26:29):
in the sixes. And we talk about why they do that.
It's it's greed, it's go ahead.
Speaker 5 (26:33):
But no conventional. You can do a thirty year conventional and.
Speaker 3 (26:36):
You could be at five nine nine five eight seven five. Yeah,
and most of these they're talking that you pay points
too on these rates. Usually this comes with like one point,
So go figure whatever bank shows up at the point,
we can do it without a point, you know, or
you can. I can usually get somebody about a half
a point lower, but you have to work with brokers guys,
not bankers. Yeah. Yeah, what else on stats? Anything else?
Speaker 4 (26:56):
What else? The other thing I thought was interesting, so
inventory level. So obviously you've been seeing you know, huge
increases ever since we didn't have any inventory pretty much.
But I'm now seeing the percent increase is just lower
than we've been seeing across the board, like most of
the year. It's been you know, up twenty twenty someven percent.
So month's supply in Hillsborough was up seventeen point six
(27:17):
percent year every year, and Panela's thirteen and a half,
Passco eight point six percent. So actually our numbers are down.
So for month supply it's we're at four in Hillsboro,
Panelas at four point two and Pasco at three point eight.
I hear like other you know, tidbits on you know,
news channels and stuff, and you hear, you know, five something.
(27:38):
But I wonder if they do combine.
Speaker 5 (27:40):
Yes, I think that is combined, because last time I
pulled them, yeah it was, it was in that range.
But with the condos and everything.
Speaker 4 (27:46):
Okay, So yeah, just for single family homes, I mean,
inventory levels aren't you know, at the six. So I
think if you're looking to buy, interest rates are good
right now.
Speaker 5 (27:55):
It's a great time.
Speaker 4 (27:56):
Don't plait around for them to get lower. Just start
the process now.
Speaker 3 (27:59):
Yeah.
Speaker 5 (27:59):
Seller sellers are are motivated, especially people that have been
in the market and it's been slow for them. But
if they're prepared, the house is ready and the buyers
can lock in a good rate. I think now is
an awesome opportunity to get going. It's going to get
the prices are going to go back up as soon
as this comes down.
Speaker 4 (28:17):
Your seller motivation is key. So the other number we
don't ever really talk about is the list price to
sell price ratio. So those have actually teetered to like
around ninety five percent across are three counts.
Speaker 3 (28:29):
So I mean sellers are getting what they're listing for
the most part.
Speaker 4 (28:32):
Well ninety of it, ninety five percent of it. But
I mean for a buyer that's great because if you're
expecting you know, five percent discount, and usually that stat
does not include additional concessions, so this is just you know,
at the end of the day price, but then if
somebody got an extra you know, ten thousand dollars concession,
that's on top of that. So buyers are really getting
some great deals right.
Speaker 3 (28:51):
Now, yes, which you can. I'm sure you're negotiating concessions
with a lot of your contracts.
Speaker 5 (28:55):
Yes, we are now, and we never used to do
that a few years ago. Now now most of them
have some sort of concession involved.
Speaker 3 (29:00):
And then when the raids go down and the supplying
a man kicks in, you probably won't be negotiating concession.
Speaker 5 (29:06):
Correct, because then yeah, right, exactly, buyers, it's time.
Speaker 3 (29:09):
It is that Hey, speaking of buyers, how about that
listing an Apollo Beach.
Speaker 5 (29:13):
Oh, thank you for mentioning it. Yeah, we are so excited.
The Odeo team has a new listing in Apollo Beach.
If you get the chance, check it out. It's at
six four two nine Rubia Circle in gated Andalucia and
it's a beautiful piece of property with deep water. So
if you're a sailboat person or something, this could be
your spot. It's a beautiful custom built home, has a
massive party room downstairs, which is super unique, and it's
(29:36):
it's with that. It's about eight thousand square feet. It's
my very big house and they've taken care of everything.
It's pristine, has a brand new roof. These people built
this thing to last. It's got steel beam throughout it.
It is a stunning home and beautiful, beautiful big bay too.
It looks back across the inter coastal, but you have
a lot of distance. It's not a canal, it's like
a bay, open water.
Speaker 3 (29:56):
Yeah.
Speaker 5 (29:57):
So it's it's really.
Speaker 3 (29:58):
Beautiful And what's the price on this?
Speaker 5 (30:00):
This is at you'd see you know now I'm not No,
it's it's just about two.
Speaker 3 (30:04):
Six okay, yeah, okay, wow, that's a three two.
Speaker 4 (30:06):
Thousand square feet.
Speaker 5 (30:07):
Oh yeah, I mean the water, Yeah, three hundred something
a square foot. It's it is. It's a great buy.
Speaker 3 (30:13):
That sounds like a really really good bye. And I
heard you say steel beams, so imagine it's got hurricane
impact windows things like that.
Speaker 5 (30:19):
It has hurricane shutters because that's technolo. It was built
in two thousand and one, so that technology wasn't out yet.
But it does have the shutters so you can put
them up, no big deal. It's easy.
Speaker 3 (30:27):
And I will say there's a benefit to the shutters
because I just swapped those at my beach condo. And
the shutters are nice because I mean, you don't have
to worry about replacing the windows, those hurricane windows. If
something hits them, they break, like it doesn't that stuff
in your house.
Speaker 5 (30:39):
Right, but you still have to replace them right right now.
The shutters old school, but they work and these are
easy to put on.
Speaker 3 (30:45):
Yeah works great. Hey, And if you want to dark
the house out and make no lights inside too, just
have yi shutters.
Speaker 5 (30:50):
Yeah totally.
Speaker 3 (30:51):
My kids used to play with those all the time,
like do o'pen the dang shutters. I can't say anything
so anyway, so that was six four to two nine
Rubia Circle and that's r ub i A are you Bia?
You go six four two nine Rubia Circle? You guys
heard it right here Apollo Beach. That is a great
by eight thousand feet open deep water and you have
a bayview. I would love to see that. You have
to go to heidiodio dot com. That's h g I
(31:13):
d iodio dot com to check out that listing. When
we get back, we're gonna learn a little bit about
who Heidi is. And we've talked a lot about the
real estate market already, so we're just gonna learn about
Heidi and what does her team sell and why should
you give them a call? Right here on the Business
Happy Hour radio show. Again it's heidiodio dot com. And
(31:34):
before we take this break, I'm gonna mention the Lincoln
Lending Group buy before you sell product because I'm gonna
give the whole in last segment here to Heidi, so
unless she wants to talk about it, but the buye
before you sell product is very unique. We will pay
off your mortgage on an interest free, payment free bridge loan.
If you are selling your home, you can use the
money for anything renovating the old home, new home, paying
(31:55):
off debt to qualify, or using for a down payment.
That's right, Heidi can sell your house, so oh can Senia.
And you can use this money seventy five percent of
the equity in your home for free. Just go to
contact frankdbank dot com to find out how you qualify
and we'll get you taken care of again. Lincoln Lending
Group frankdibank dot com. Contact Frank the Bank, We'll see
you in just a minute.
Speaker 1 (32:14):
Let's get back to the business Happy Hour radio show
with your host, Frank Thebank Coodo, owner of Lincoln Lending.
Speaker 2 (32:20):
Group, and his co host Senia Akishana, realtor with Mahara
and Associates.
Speaker 3 (32:26):
All right, Tampa Bay, I hope you've been enjoying the
Halloween episode. So I got to reintroduce my good friend,
Heidi Odio. We actually got to know each other because
we share a couple things in common ice hockey for one,
with our boys, the most dangerous fun sport ever for parents,
and Jesuit high school. That's why we got to meet
(32:46):
each other. Our boys play hockey for the school, and
we have some mutual friends. And then next thing you know,
we're hanging out doing that and height. He's like, well,
I sell real estate, and I'm like, well, I do mortgages.
I'm like, this seems like something we should do together, right, So,
how do you Thank you for coming on the show today.
Speaker 5 (33:00):
Thank you. I'm so happy to be here. Thank you
for having me.
Speaker 3 (33:02):
So tell us a little story about Heidiodio. How did
you get into real estate?
Speaker 5 (33:06):
So real estate? My husband and I had lived abroad
in Costa Rica for seven years and we had our
kids there and we were there for his work. And
when we came back to the US about in twenty fourteen,
he and his brother decided to buy a piece of
property and rezone it and built some townhoun size on it,
and the kids were getting a little bit bigger, and
(33:27):
I thought, well, I used to be in sales. I
should get my license and I'll sell it for them,
and he will be my only client.
Speaker 3 (33:34):
We know how that went.
Speaker 5 (33:35):
Yeah, Yeah, so that's why I started.
Speaker 3 (33:38):
That's awesome. Yeah, and now you've built a very successful team.
Speaker 5 (33:41):
Yes, so grateful. It's been a wonderful ride and journey
and I were having a lot of great success and
looking forward to continuing to grow and deliver the best
results for people and get deals done for them.
Speaker 3 (33:51):
And you guys do a great job. You have a
phenomenal reputation. I must say I had heard of you
before I actually met you, and I'm like, oh, that's
the Heidi Odio. Okay. Now, do you have a whole
bunch of people on the team or is it kind
of tight?
Speaker 5 (34:05):
We are a small team. We deliver a very white
glove service. And so I have an administrative assistant, Lexi Kimball,
who's amazing and I could not do anything without her.
My mother recently joined the team. She retired from her
corporate job in government relations and sales up in New
York and she's relocated down to Tampa and has joined
(34:25):
my team full time.
Speaker 3 (34:26):
So I love it.
Speaker 2 (34:27):
Yeah.
Speaker 3 (34:28):
Now what areas are you sing?
Speaker 4 (34:29):
Now?
Speaker 3 (34:29):
You've got that listing an Apollo beach we talked about
eight thousand feet on open water.
Speaker 5 (34:33):
Yeah, amazing. So primarily South Tampa is what I do.
I will do waterfront across Tampa Bay though, so I've
done Tierra Verde waterfront Clearwater beat North clear Water Beach
water front, some condos out in Penelas also and an
Apollo Beach now. So yes, Davis Islands, you know, west
(34:53):
shore side of South Tampa.
Speaker 3 (34:54):
You've definitely sold a lot on the Davis Island side.
I have.
Speaker 5 (34:56):
I've been very busy. We just had a great deal happen,
a couple pieces of land that I was able to
work with the city onto to subdivide, which was super fun.
I love getting into that stuff. And then we're lucky
enough that the fabulous buyer, Stephen Stamcos, bought the land,
so we were happy to have know that he would
be coming back to Tampa at some point.
Speaker 3 (35:17):
Yeah. Matter of fact, I ran into Steve at the
Academy the other day. Oh yeah, nice Yeah, and I
pushing a stroller too. Yeah, I'm like, what's he doing here?
But then I happen to know about that purchase that
he made, so talk about a great Tampa name. And
I'm sure that was an honor to be able to.
Speaker 5 (35:35):
Help Steve with that absolutely well. And I didn't represent him.
I represented the sellers, but the other gentleman, Alan Mesra,
represented Steven and they're good buddies. And Alan's always a
pleasure to work with.
Speaker 3 (35:44):
Yeah, and great, hey, great shout out to Alan as well.
Some great people over there, So I know there's going
to be another beautiful home on Davis Island. What advice
do you have for your buyers or what do you
tell people? I mean, I know we saw you and
myself and Sinnea, we all agree on the market and
it's time to buy right now. But any advice for
guys getting into the market, Well.
Speaker 5 (36:02):
I think for buyers, you know, just be ready with
your mortgage, you get get in you know, get in
touch with Frank and and get organized because once you
find the right opportunity, you have to move quickly. And
so in a good seller will not and seller's agent
will insist on having that pre approval letter ahead of time.
So I think that's the best thing you can do
as a buyer is be ready for that.
Speaker 3 (36:22):
Yeah, and I agree right saying I mean people, there's
so many people who go out and they find the
house and then they're like, but how am I going
to do it? And you know, in this market, you
might have a little bit of time, but I'm quite
confident when this supply and demand thing kicks in and
these rates go down, sellers aren't going to wait.
Speaker 4 (36:40):
You guys know, but you know what, we did close
when recently and my girlfriend just happened to find the
house though, and we didn't have that, but Frank and
his team, they were on it on a Sunday. I'm like,
let's say, you gotta do this. I mean, we got
it done so quickly. They did a lesson two week
closes for me. I don't long.
Speaker 5 (36:57):
Wow, yeah, I sent two weeks. That is special. That
is a unique. Uh, that's unique.
Speaker 3 (37:04):
Well, I love the accolade. But and I'm being very
truthful when I say it is impossible to do that
unless you have the good team on both sides. Yes,
my team know what to do. Yes, we love fast closings.
You know why because that means we get a fast paycheck.
And that's the beauty of being in a commissioned job.
Is we all work really hard for our people because
we don't get paid if we don't. That's the truth.
(37:26):
But we love fast. But if it wasn't for having
a good real estate team, good transaction coordinators behind the scenes,
and the buyers actually moving quickly, you have.
Speaker 5 (37:34):
To get a buyer.
Speaker 4 (37:34):
I was going to say shout out to my friend
because she made it happen everything you guys asked for her.
I mean, she was like, this is like my job.
I had to put my actual job on hold because
this was a lot of work to you know, be
able to get it all together.
Speaker 3 (37:46):
I love that you said that. And do you think
you'd agree is that the buyers you have to take
it like a job when you're doing the financing. But
look what happens if you spend a little bit of
time fifteen days on a government loan.
Speaker 5 (37:59):
Amazing, amazing, Yeah, right, loans should That's amazing.
Speaker 3 (38:04):
God, I didn't even know I was walking into this today. Well,
so I'm glad we're all all agreeing here. And then
the South Tampa air how is the sale Tampa market
is it? Is it different than the North Tampa market
or the Beach market.
Speaker 4 (38:16):
Sure?
Speaker 5 (38:17):
I think every market has its subniche you know, even
in South Tampa in the various neighborhoods we have. You know,
we have about ten different sub neighborhoods there, so and
each one is a little different.
Speaker 3 (38:26):
Right, So like Davis Island's going to sell a little
faster than Paul Macia or something like that.
Speaker 5 (38:32):
Well, right now, since the storms, it's shifted things, right,
So for folks that are in an ex flood zone,
which means they don't have to have flood insurance, typically
those properties seem to be selling a little bit faster.
You know, some folks are looking for land, they're they're
tearing down something that had flooded, and so you know
that that's that's moving. But you've got to price it right.
(38:53):
The seller has to price it right and have realistic
expectations because there's a lot of inventory in that right now.
So it but if you're if you're in and you're
up high, and you know you've got a great asset there,
and it's still very much a seller's market for those houses.
Speaker 3 (39:06):
Great point, and I'm sure that people that that's something
that a great agent like you and SENNI are going
to point out to people, be like, this one isn't
a flood zone. This one isn't. And by the way,
if you are interested in buying one of those dilapidated
homes or flood at flooded out homes, there are renovation products,
there are construction products. You don't have to have the
hundreds of thousands of dollars up front to do it.
(39:27):
So you'll get with Senny It or Heidi. They'll tell
you if that's going to need it or what you
want to do. Then we get involved and we'll talk
to you and we'll structure it. Right.
Speaker 5 (39:34):
Yeah, there's some great opportunities out there, there really really are.
Speaker 3 (39:37):
So Heidi, any other we got a couple of seconds left.
Any other properties, anything else you want to say to anybody?
Speaker 5 (39:41):
Well, I think right now, just be ready for the
spring market coming. If you're thinking of selling, go through
your to do list, get the house cleaned up, do
a pre inspection. People will want your house ready to go,
and just be organized and we're here to help you
and whatever we can to get you get your goals accomplished.
Speaker 4 (39:58):
And I would say, if you're going, you know South
Tampa market, David Silence, call Heidi for those markets. You
really do need an expert that knows that particular area.
It is a different, you know market than you know.
It's the general you know intercourse, South Tampa is its own.
Speaker 3 (40:12):
Yeah, you need to know somebody to buy in South Tampa.
And guess what you guys now know Haidi Odio it's
Heidiodio o d io dot com. Reach out to her
for your South Tampa real estate and we'll get you
taken care of on the mortgage. Thank you sending for
the stats.
Speaker 4 (40:26):
Thank you, Hi, you for being here. And yes, you're
very welcome.
Speaker 5 (40:28):
Yes, thank you so
Welcome to the Business Happy Hour radio show with your host,
Frank Debankkodo, the owner of Lincoln Lending Group right here
in Tampa Bay for twenty three years, joined by his
incredible co host, Senia Akishana, realtor with Mahara and.
Speaker 2 (00:14):
Associates, Tampa's top real estate company.
Speaker 1 (00:17):
Together, they have helped finance and clothes nearly one billion
dollars of real estate every year.
Speaker 2 (00:23):
If you're looking for local mortgage or real estate advice.
Speaker 1 (00:25):
The Business Happy Hour team has been right here on
news radio WFLA for over a decade.
Speaker 2 (00:30):
Listen right here or find us on the Business Happy
Hour YouTube channel, or follow us on Instagram at Frankdebankkodo.
Speaker 1 (00:37):
Now, sit back, relax, and get ready for some serious mortgage,
real estate and business talk with two of Tampa's top experts.
Speaker 2 (00:44):
Here's Frank the Bank and Senia.
Speaker 3 (00:47):
Hey Tampa Bay, Welcome back to the Business Happy Hour,
your number one show for all things business and entrepreneurial.
I am your host, Frank the Bank Coodo, the owner
of Lincoln Lending Group and a one to three mortgage
dot com, right here in the WFLA studio with my
incredible co host back after a little time off.
Speaker 4 (01:07):
Yes, one day I missed you and I'm sorry, but
my little one got sick and I had to, you know,
stay home with him. Oh, you are to being a mom, so.
Speaker 3 (01:15):
You are just fine. It's all part of being a mom.
Is he feeling better now.
Speaker 4 (01:18):
He's feeling better?
Speaker 3 (01:19):
Yes, yeah, So everybody, if you've never been on the
show before, that is that is Senia Akishina with Mahara
and a.
Speaker 4 (01:26):
Thank you Frank.
Speaker 3 (01:27):
So, how did you have it good? You had a
little break fun? Did you have to listen to our show?
How crazy we got?
Speaker 4 (01:32):
I had little titbits. I need to go through the
whole thing.
Speaker 3 (01:34):
Though it was. It was a wild show. We had
a brand new person to radio, just like today, and
we told a lot of great stories. Matter of fact,
they almost had to kick us off the air because
we kept going and going with all of our stories.
So it was a good time. But today's going to
be a great show. We have Hidie Audio. Welcome to
the radio show.
Speaker 5 (01:53):
Thank you, Frank. I'm so happy to be here.
Speaker 3 (01:55):
Yes, I heard it. It's your first time on radio.
Is that true?
Speaker 5 (01:58):
It's my first time on radio and it's my first
I'm in a radio station at all, so very cool.
Speaker 4 (02:03):
Whoa, who wha, woah.
Speaker 3 (02:03):
You've never even been in a radio station. I've ever
been in a radio station in an awesome What do
we call this? This is our studio? I guess it's cool?
So fancy? What is it? James? What do we call this? Oh?
Radio complex? See, I knew that there was something about
it that I that I you know, it was something special.
But we've been doing the show now for my gosh,
I think we're we might be going on to our
(02:24):
twelfth year. I'm gonna have to go and look into that.
I know they're gonna make me sign another contract sooner
or later. But we have a great time here on
the radio. Sanny and I always talk about the new
statistics and what's going on the market, which today is
no different. Sennia has had a day off, a day off,
a week off. There we go. We got Heidi coming
on the Instagram a week off, so I know we've
got some interesting statistics and Heidi being a real estate agent.
(02:46):
It's gonna be another great real estate related show. Guys,
you may not know this, but Halloween is upon us.
Matter of fact, it is. If you're watching on Tuesday
on our Instagram Live. Right now, you only have three
days left to get your costumes and get ready for
All Hallows Eve. In the break, I'm gonna look up
(03:06):
where Halloween actually came from, and we're gonna talk to
you guys about that, because it did not start out
with candy and kids dressing up. I can promise you that,
but that's what our kids love to do. And I
don't know about you, but my kids are getting a
little bit older now, thirteen and fifteen, going on fourteen
and sixteen and sen they don't really want to do
that regular Halloween stuff anymore.
Speaker 4 (03:28):
Curious, like, at what age do kids like, are they
too old to do the trick or treating?
Speaker 3 (03:32):
Well, Hattie and ied kids go to school together as well,
so we're going to let's both answer that question since
we're talking about So I'll start sorry little hot today
I was coming and running. So my daughter wants to
still trick or treat, and she's gonna be fourteen in December,
but I think it's kind of more hanging out with
(03:53):
her friends. So she's want us to like drop her
off in a friend's neighborhood, right, and like, oh, I
go do this right, hang up with friends. My son,
he just we've been going to Old Carewood our whole
So I grew up in Old Carowood and now we
live in Odessa. But we go, we go over there
with some friends, right the Areola's right, you know them, Yeah,
And we go hang out at their house and we
still do that Old Carewood parade that I have pictures
(04:14):
of me at like three years old as a cowboy
in that parade. So we're just gonna go, We're gonna
walk around and say hi to some old neighborhood friends.
And my son says, he says, they're going to trick
or treat. I don't know, but he basically just wants
to disappear suspicious. Yeah. And I'm like, well, are you
carrying around like a Trader treat bag? He's like no,
I'm like, what are you really doing? Like where are
you guys going?
Speaker 5 (04:35):
Yeah.
Speaker 3 (04:35):
So I will say this. We've had a kid's Halloween
party every year for like the last literally fifteen years,
and this year my kids didn't want to do it.
They're like, no, no kids party. My wife she's like, nah,
no kids party. So we're doing an adult themed thing.
But it's it's weird.
Speaker 5 (04:50):
Did you decorate the house?
Speaker 3 (04:52):
It is in process? Okay, so it is so embarrassing, though,
do you do the same, like you decorate a house
like day before you do party and then it's over.
Speaker 5 (05:01):
Well lately, yeah, lately. Right, back in the day, I
used to go all out, but yeah, now it's busy.
Speaker 3 (05:06):
These kids are everywhere, right, no, right, and back in
the day, it'd be like October first and decorations are
going up.
Speaker 5 (05:13):
Yeah, but now that the decorations are insane. You got
these skeletons that are like twenty feet tall, and everybody are.
Speaker 4 (05:19):
Though, right, yeah, I don't have one, but I love those.
Speaker 3 (05:21):
Oh you know that, so you know what I'm doing.
I've got five of those. Ye literally. So we used
to do blow ups right for the kids, and you
buy those crazy twelve foot tall blow ups. But then
over time, you know, they get poles and they don't
work and all this, and then these ones you're talking about.
It was Home Depot. They came out with these giant
skeletons and if you buy them when they first come out,
they're like two hundred and twenty five dollars go online
(05:43):
to buy them. Now they're like seven hundred dollars. It's
like price it was when.
Speaker 4 (05:47):
You'd say cheaper, because I'm like, I don't want to
quite spend the money.
Speaker 3 (05:50):
They're literally, he said, they're like twelve and a half
feet tall. They're huge, they're plastic. I hire my nephew
every year to come over and put them together for
me because they're on these huge bases.
Speaker 5 (06:00):
Okay, where do you store them?
Speaker 3 (06:01):
Uh? In the entire second sot story to my shed
in the backyard, Like the entire thing is nothing but
these fogs.
Speaker 4 (06:09):
Two story shed.
Speaker 3 (06:11):
It's like a lofted shed, you know, it's got like
a loft on top. You can put the stone down. Literally,
I have so much garbage it's unbelievable. But so it's
a lot of fun. You know, we decorate. But I
actually just posted a video. We'll have to look at
my Instagram. I bought a I'm so rambling now, but
I bought a fog machine, right, And it's supposed to
be a theater fog machine, like a professional one that
(06:33):
is supposed to spit out low lying fog. So it's
not supposed to write. It's suposed to be like the
stuff like the Phantom of the opera like on the stage, right,
but you gotta fill it with dry, dry ice and
fog liquid. And I tested it last night in the
house and I should show you guys the video that.
Needless to say, my whole family was like a mute
and you're like, turn it off. We can't see our
hands in front of our face. This is gonna kill
(06:53):
the dog. It's gonna kill us.
Speaker 5 (06:55):
All.
Speaker 3 (06:55):
I'm like, I promise you that FuG is not going
to kill you, Like how can you breathe? So that
was like, yeah, So I posted this morning on Instagram.
My watch I don't ever do that again, so you
will see what our house looks like, half decorated with
a fog machine in the game room. Pretty funny. I
don't know why I rambled, but it is Halloween episode.
(07:16):
So this Friday we get to all do a Halloween
What about you, hotey? What about the kids? Are they
trick or treating kids?
Speaker 5 (07:20):
So we have four kids, ones in college, So he
doesn't call it, no idea what he's doing the little.
Speaker 4 (07:25):
One's Halloween parties?
Speaker 5 (07:27):
Yeah, sure there's something. The reason he's not calling it,
by the way, and I'm not going to ask then,
you know, one's got a hockey game at ten thirty
at night. That's crazy, so he won't be trick or
treating another one. Uh, he'll go. But it's a Friday
night this year, right, so.
Speaker 4 (07:41):
That got kids are so excited that it's finally like.
Speaker 5 (07:43):
A yeah, but there's a big U Tampa Catholic Jesuit
football game Friday night. So I don't know how they're
going to navigate that. I haven't heard yet.
Speaker 3 (07:51):
It makes much sense.
Speaker 5 (07:52):
My little seventh grader, she's she's loving Halloween. She's still going.
She's got a pack of friends and they're going to go.
They're all dressing up and like matching costumes.
Speaker 3 (08:00):
I think that is like the pinnacle. Yeah. I think
seventh grade is like you're you're you're kind of what
You're a woman, you're a man, you're smart, kind of
got the smarts of an adult.
Speaker 5 (08:10):
Yeah, you know, you can do a fun It's kind
of go on your own a little bit, right, maybe
the parents holding way back and kind of keeping a
far off eye out.
Speaker 3 (08:17):
But yeah, no, I think that is it. I think
seventh grade is the one where where that least just
snaps and they're they're roam in the neighborhood. I know, Sania,
how old are.
Speaker 4 (08:25):
The seventh grader? And I can feel like because this
is going to be the first year that she's not
trick or treating with me. She wants to go with
her friend and their neighborhood and there you go. Halloween's
been our thing, so you know, it's a little bittersweet.
Speaker 3 (08:36):
Now do you stay home and hand out candy?
Speaker 4 (08:38):
We you know what we always have. But actually I'm
going over to raise for a Halloween costume party.
Speaker 3 (08:43):
That'll be fun.
Speaker 4 (08:44):
I thought that would be fun because they really do
it up in their neighborhood. Yeah, take my little in
trick or treating there. It's it's pretty fancy.
Speaker 3 (08:51):
So your house is going to get egged, is what's
going to happen?
Speaker 4 (08:54):
It might, yeah, because I feel like, you know, yeah,
we try to have, you know, lots of good candy,
but this show, I'm like, already set a bucket out.
Speaker 3 (09:00):
Do you care to give your address?
Speaker 5 (09:03):
Are you going to turn your lights off or leave
them on?
Speaker 4 (09:05):
I think we'll leave them on. Yeah, And I mean, yeah,
you got a bucket and I still I decorated, even
just for the other kids walking around.
Speaker 3 (09:11):
Yeah, So here's what you do. Make sure you put
a bucket right, make sure the lights are on. It
makes you have a ring camera, all right, because then
you get to see who pillages your bucket, you know,
put a little sign that says you're on video. Right.
One year we did it and had the bucket because
we go to Old care Wood, right, so we just leave, right,
which I feel terrible for. My house is so decorated.
I have all these twelve foot skeletons. People are like,
this is going to be the best house. Ding dung.
(09:32):
Nobody's there, right. It was funny one year, like, no,
I put a little sign that says you're on camera.
Like the bucket was full. When I came back, I'm
like wow. I was like I didn't even give away
the candy, right. And then other years is like the
things turned upside down on my pumpkins smashed you know.
Oh wait, here's a question, Heidi, Yeah, do you still
do pumpkins? Are you carving a pumpkin?
Speaker 5 (09:52):
So here's the problem in Florida with pumpkins and they collapse,
you know, you carve them and they I thought.
Speaker 4 (09:57):
I was doing something wrong.
Speaker 5 (10:00):
No, it's Florida, Yeah it is.
Speaker 3 (10:02):
Yeah.
Speaker 5 (10:02):
So so no, I'm not doing carving.
Speaker 3 (10:05):
But it has nothing to do with the age of
the kids. It's just she's like, I hope they're not listening.
Speaker 5 (10:12):
They're scarred, they'll be in therapy.
Speaker 3 (10:15):
So you are carving pumpkinsent?
Speaker 4 (10:17):
Well, no, I don't know, because last year we did too,
and we were so excited. They look great, and I
mean then I was like like, I don't know what happened.
I'm like, all right, you know, I didn't google any
specific techniques, but I thought that I was doing something wrong.
Speaker 3 (10:28):
I don't know. There's people have like you can spray
stuff or whatever, but it really doesn't last.
Speaker 5 (10:33):
More than you just got to do it like that day.
Speaker 3 (10:35):
Yeah, most which who has time to do it that day.
Speaker 5 (10:38):
It's tricky, but it is fun.
Speaker 3 (10:39):
It is so I see some of our boys over
at JHS are watching right now. Oh yes, I don't
know if we've got an odio on there or not,
but I see a codo on nice.
Speaker 1 (10:50):
I like that.
Speaker 3 (10:51):
So the boys are watching. Don't get in trouble, boys,
we don't want to be picking you up late from school.
They were very late today. Were you late this morning?
Did you drop off?
Speaker 5 (10:58):
No? No, they my son drive.
Speaker 3 (11:00):
Yeah. Yeah, the traffic was horrendous this morning.
Speaker 5 (11:02):
Went they were probably because they were late leaving the house.
Speaker 3 (11:05):
So in case the faculty is watching, we were on
time leaving the house, but we were on the veterans
for forty six minutes, so we're just gonna pretend like
that went down that way. But anyway, Yeah, so you know,
haven't even bought a pumpkin, but now I need to
buy a pumpkin. I will tell you a fun thing
to do. Get oh, yeah, to take a break, Get
a don't do this and leave it with the kids.
(11:26):
Get a toilet paper roll, dose it in, soak it
in citronella, and drop it inside the hollowed out pumpkin
and it creates an amazing fire display and it protects
you from mosquitoes at the same time. So there's Frank
the Bank's Halloween tip. When we get back, we're going
to do real estate statistics with Senia and Heidi. Don't forget.
(11:47):
Heidi is a real estate agent. You can find her
at heidiodio dot com. You don't even know what she
does yet, but I tell you right now. She sells
real estate in South Tampa. So stay tuned. We're going
to be back on the Business Happy Here just a
minute with Sennia, Heidi and Frank the Bank. We'll be
back in just a moment.
Speaker 1 (12:00):
All the best mortgage or real estate advice from Tampa
Bay's top experts. It's the Business Happy Hour with Frankdbankkoto
and Sennia.
Speaker 3 (12:09):
All right, guys, welcome to the Business Appy Our segment
two with your host Frank Thebankkoto, owner of Lincoln Lending Group,
and eight one three mortgage dot com. Guys, we've been
on this radio for twelve years now giving you great
real estate advice, business advice. We've had some great guests.
Today is no different. We have Heidi Odio. You can
find her at heidiodio dot com. That's h g I
d Io d io O d I O. And if
(12:32):
you forget, of course, just go to contact Frankdbank dot
com or give me a call, shoot me a text
and I'll get you in touch with Heidia or Heidi
Idea Heidia or Senya Hidiya Hide. We're gonna go with that.
Let's see, we've got some real estate statistics. Sennya always
brings those, and Heidi and myself and Sennya We're going
to talk about what does that mean for you as
(12:52):
a buyer or seller a little later in the show.
If you are selling your house or if you are
an agent who lists properties or sale, do not miss it.
We will talk about it in the third segment after
this one. A new program where we will literally pay
off your first mortgage in full if you're listing your
house for sale, so you will have no mortgage payment
(13:15):
for six months, and we can give you up to
seventy five percent of the value of your house to
use for whatever you want. It's an amazing program, first
of its kind, being announced here on the Business Happy
Hour radio show on Halloween Eve. By the way, if
you're watching on Sunday or Saturday, Halloween's over, I hope
you had a great Halloween. I hope Cennya got all
the egg cleaned off of her house. She will not
(13:36):
be home, the lights will be on. There will be
a whole bucket of candy there, So if you want
to find out where she lives, we'll do that later.
But guess what's so the same thing at my house.
There's gonna be a bucket of Snickers bars on Lake
Marine Drive. If anybody wants to go and take them,
but you will be on camera, so watch out for that, Cenia.
Let's see as you get your stats ready. I got
(13:57):
to mention the Bucks in the Lightning. They both won
on Sunday. It was actually really cool. Were you there?
Speaker 5 (14:02):
I was there. It was amazing at the Lightning game
overtime was right right behind. Uh well, I was on
the with the side where the Lightning are offensive more often.
Speaker 3 (14:11):
So yeah, the score that's why. Yah?
Speaker 5 (14:13):
Yeah yeah, it was right, So the goal was on
our other side, right yeah, but so fun.
Speaker 3 (14:17):
It was what a great And what I thought was
really cool was how I'm sure a lot of people
they should have had it on the screen. People were
watching the Bucks game from the Lightning Yeah yeah, right,
so a lot of people had it in their laps.
I was one of them. And then the Bucks won,
and then they put it up on the screen and
the whole place cheered, and I thought that was.
Speaker 5 (14:30):
Really it was sweet.
Speaker 3 (14:31):
I loved it. Did you see the new food area
on the fourth floor.
Speaker 5 (14:35):
I only saw through your video.
Speaker 3 (14:37):
Video, So I'm gonna deviate real quick. Lightning fans, I
know every year you start the new season and you're
like Okay, what's the new food thing. There's got to
be some new food that they give us. Now. They
opened up the fourth floor where it is the beginning
of the club section. It's like a huge high end
food court. They had Greek, they had Korean barbecue, they
had the Baker Babes cookies, they had sushi, they had Italian.
(15:01):
It was awesome and a really nice place to sit
out there and eat with a nice view of the
city as well.
Speaker 5 (15:06):
So that's amazing there you go.
Speaker 4 (15:07):
I just wanted to go see a Lightning game because
I haven't been to one in a while. On their
fun but that I.
Speaker 3 (15:11):
Mean, I eat dinner at every Lightning game and it
kind of gets old to eat PDQ and pizza, you know,
Papa John. So I was really happy to see this,
and it was an accidental surprise anyway. All right, let's
do some stats with Sinya Akisha from Maharan Associates. What
are we doing this, Let's.
Speaker 4 (15:26):
Do some stats. I'm actually glad I wasn't here last week.
And I always get more excited when we get new numbers.
And they do have our September numbers. Oh boy, yeah, so.
Speaker 3 (15:36):
This is September twenty four, the September twenty five.
Speaker 4 (15:39):
Yeah, so these are year over year, and the last
couple of months we were talking about closed sales volume,
which was, you know, a bit down, but as we
predicted when we were going over August numbers, in September
we were up across all three of the counties. So
in Hillsboro the closed sales volume was up by almost
(16:00):
thirteen percent, and Panella's over twenty six percent. Wow, and
Pasco also almost thirteen percent.
Speaker 3 (16:08):
That's crazy, I know. So the Panella's thing is what
we've been watching because the hurricanes and how it depressed
the markets.
Speaker 4 (16:14):
And I think this is like the most interesting one too,
because actually in Panellas, I do see that the median
sales price has also dropped, where normally, you know, it's
kind of just kind of omanol or whatever. For September
it was actually down by ten and a half percent.
Speaker 3 (16:30):
Interesting, Hi, do you you seeing that?
Speaker 2 (16:32):
Well?
Speaker 5 (16:33):
I bet that's because a lot of these hoa's have
figured out how to handle any infrastructure costs they've carried,
and prices are probably down because of that, and then
because they figured out a solution, sales are going up.
Because people always.
Speaker 4 (16:47):
Say so these we do only pull I do single family.
Speaker 5 (16:50):
As okay, Okay, so I don't like to do you.
Speaker 4 (16:53):
Know, the condos, because I do feel, you know, the
numbers there are definitely different than for single family homes.
But I'm thinking it's because of the hurricanes and there's
still just so many homes that you know, either people
are having to sell. Hey, I'm not fixing it, yep,
or we're just seeing that hit from the repercussions of
the hurricane still and I.
Speaker 3 (17:12):
Mean it's literally been a year except I mean October
it's been a year.
Speaker 4 (17:16):
And the other thing I was curious about because technically
a colleen hit at the end of September, right, so
the year of a year, September numbers, I don't know
how much they were affected, but I'm curious for when
October comes out those numbers, even closed tales volume is
going to be I'm sure up. And if you're comparing
it to October of last year when we definitely just
saw it, I mean it was significant dead yes, yeah,
(17:38):
so we do have to take that into account.
Speaker 3 (17:40):
Speaking of hurricanes, so we've got this big hurricane that
by the way, this is Tuesday. If you're listening to
the radio show Melissa, Thank you James, it's about to
ravage Jamaica, and I saw where it's going in, like
in between Montego Bay and Kingston. It's where the airports are.
It is, it is going to be bad. But how
do you how do both of you think that that
(18:00):
as affecting the fact that we haven't had any real
issues during this hurricane season and we only have what
do we have like a month left?
Speaker 5 (18:07):
Month left?
Speaker 3 (18:07):
Right? I mean, what do you think I do? Do
you think if we make it through without anything really
hitting us, it's going to be a good thing?
Speaker 5 (18:13):
Well, I think it's a great thing. Well, I mean,
obviously it's a great thing all around. But I think
the confidence has been growing little by little, week by
week as we get closer to the end of hurricane season.
So I think that's that's beautiful.
Speaker 3 (18:26):
Isn't it wild?
Speaker 4 (18:27):
Though?
Speaker 3 (18:27):
That last year, I mean it wasn't just those two.
We had other ones that came in and struck the
land here too. Zero we haven't had any.
Speaker 4 (18:36):
Yeah, we've had such a quiet year with that, it'd
be knock on wood.
Speaker 3 (18:38):
Because it's so little.
Speaker 5 (18:39):
I know, I like don't like to talk about it
until we're past the season. But yeah, no, our hearts
are breaking and going out for the folks in Jamaica,
and you know, and then hopeful that that is the
end of the season.
Speaker 3 (18:53):
It would be phenomenal, it would be great. But I
feel the same thing as I feel like there's that
you said week by week. I agree with that. It's
this confidence that's building. And then coupled with the interest
right talk about coming down, everybody is kind of just
sitting on that fence. We have a lot more stats
that we have to do. We have forty nine seconds.
(19:13):
I think we should wait till we get back to Kait. Yeah,
that's way, because we want to keep talking about that.
And then I think maybe, like when we get the
October wines, we should do condos. You see. I mean
it's going to be ridiculous, But I'm really curious what
you two are seeing in the condo market. Are you
still seeing anxiety for people getting into them?
Speaker 5 (19:32):
What do you condos have been slow? I mean, for sure,
there's yeah, there's.
Speaker 3 (19:38):
Yeah slow in condos.
Speaker 4 (19:39):
I mean, yeah, it's just you know, it's a tough
tougher self.
Speaker 3 (19:42):
Yeah, But I think to Heidi's point, is these hoas
have figured it out at this point. So the good
news is we'll take up quick break. But the good
news is is that if you're buying a condo, chances
are you have no structural issues, You're fully funded with
your HOA, and everything was taken care of last year.
So I'm looking for a resurgence in the condo market
coming up next year on the Business Happy I'll be
(20:02):
back in just a minute with Senni Aikisha and Heidi Odio.
Speaker 1 (20:05):
Welcome to the Business Happy Hour radio show with your host,
Frank Debank Coodo, the owner of Lincoln Lending Group right
here in Tampa Bay for twenty three years, joined by
his incredible co host, Senia Akishna, realtor with Mahara and Associates.
Speaker 2 (20:20):
Tampa's top real estate company.
Speaker 1 (20:22):
Together, they have helped finance and clothes nearly one billion
dollars of real estate every year.
Speaker 2 (20:28):
If you're looking for local mortgage or real estate advice.
Speaker 1 (20:30):
The Business Happy Hour team has been right here on
news radio WFLA for over a decade. Listen right here,
or find us on the Business Happy Hour YouTube channel, or.
Speaker 2 (20:39):
Follow us on Instagram at Frank Debankkodo.
Speaker 1 (20:42):
Now sit back, relax, and get ready for some serious mortgage,
real estate, and business talk with two of Tampa's top experts.
Speaker 3 (20:49):
Here's Frank de Bank and Sennia Tampa Bay. Welcome back
to the business happy hour. Senia and I were doing
statistics with Heidi Odio h South Tampa real estate agent Extraordinay,
we're going to learn a little bit about where she
came from, where she sells. She's even got a listing
I think you said in Apollo Beach. Yeah, that we're
going to talk about. So if you're looking in beautiful
Apollo Beach, the one of the places where you can
(21:10):
get a lot of bang for your buck if you
want to be on the water. Apollo Beach, talk of
that place has been the talk of the town here.
Well now everybody knows about it, so it's going to
get too busy. But if you didn't notice, I'm wearing
my green jacket for Halloween today. It's Lincoln Lending and
Spooky Green. It's the only thing I didn't have an
orange one. That's all I could do. Sania, stats, we
just talked about. You just told me that Hillsboro was
(21:32):
up thirteen percent. Panellas was up thirteen percent, I'm sorry,
Panelas was up twenty something percent, twenty six and a
half double what Hillsborough was.
Speaker 4 (21:40):
Yes, and that's for closed sales volume a year over year.
Speaker 3 (21:43):
All right, what else we've got?
Speaker 4 (21:44):
So I'll go ahead and tell you the median sale
prices in Hillsboro four hundred and twenty five thousand. Panela
is also four hundred and twenty five thousand, which, as
I mentioned, the year over year number is you know,
now a double digit lust than last year. But I
also think that contributes because well, for one, I think
insurance too, right, so all the properties that are you know,
(22:07):
near the coast and affected by that. Yeah, so for
twenty five we haven't seen that in Panelas in a while.
But they also I think spiked up the most during
our COVID market and in Panelas it's three hundred and
seventy thousand, Panelas or Pasco I'm sorry, Pasca, So Panella's yeah,
(22:27):
Hillsboro Panela is both at four to twenty five and
Pasco three seventy. So yeah, the biggest fluctuation was for Panellas.
But at least that activity is going, you know, so
I think it's just the natural correction plus the hurricane
effects that you know. I don't think it's a bad thing.
Speaker 3 (22:44):
No, I don't. How do you how do you decipher that?
Speaker 5 (22:47):
It's spot on? I mean, it's it's as we're getting
away from the hurricane, we're having more activity and little
by little prices closed prices. I think we'll start to
see them come up again, particularly if we get interest rates.
Speaker 3 (22:57):
I think.
Speaker 4 (22:58):
And that's why yes, and I have been saying.
Speaker 5 (23:01):
Yeah, everyone's waiting, like, come on, bring them down, bring
them down.
Speaker 4 (23:05):
Before it happened.
Speaker 3 (23:06):
Yeah. So it's funny when people ask, you know, they're like, oh,
what do you think? Is this a good deal? Is
a good time? I mean, I am very adamant that
this is the time. And then I usually just turned
the conversation around and I just say, do you believe
that people are going to a lot of people are
going to jump in the market when the rates go
down a little bit more? And they're like yeah, I'm like,
have you kind of felt the pent up demand? They're
like yeah, I go, well, do you understand supplying demand?
(23:28):
And I don't talk facetiously to him, and everybody picks
up on that. They're like, yeah, I totally get supplying
to man. I go, well, what do you think is
gonna happen in prices? And then they answer their own question.
So very interesting though, that Pasco three seventy median sales price. Yeah,
I mean that's a good deal, guys. So if you
Pasco's not that, it's.
Speaker 4 (23:46):
Been the good deal. And they do have some great
locations and.
Speaker 5 (23:50):
They've got great development.
Speaker 3 (23:51):
How a lot of.
Speaker 4 (23:52):
People have been going up to Pasco to get, you know,
more bang for.
Speaker 5 (23:55):
Your absolutely, I mean just that Wesley Chapel up north
of that that area, and you've got some great schools,
rate restaurants. I think there's a lot of good things
to look at in Pasco.
Speaker 3 (24:03):
Yeah, great restaurants, I agree, And they just keep expanding
out there. And then even if you go up the Veterans,
there's been a lot of expansion on fifty two and
fifty spring Hill. Used to be just an Applebee's there.
Now you actually have lots of restaurant options. Actually, there's
a really nice steakhouse up the Veterans up at up
seventy five Prime eighty eight Berlander. Have you guys heard
of that? No, So, like they are saying this place
(24:26):
like puts out a steak like Burns and it's up
there in like Brooksville basically right, So now we're all
going to have to go. But there's got a free plug.
You guys always like four steaks. James gets a steak too,
but Prime eighty eight supposedly is a really good steakhouse.
So what else are the stats show us for the
September to.
Speaker 4 (24:41):
Still, well, I want to talk more about that close sales, Boby.
So in addition to you know what we said, I
also think that so the rumblings about the interest rates
and the interest rates themselves were lower right starting out
in September, just with the talk about you know, the
FED meeting. So I do think that also was a
contributing factor. Yes, it is spelt the activit like we
felt more buyers come off defense before that FED meeting. Yeah,
(25:03):
just because rates had already what do you say that
they're baked.
Speaker 3 (25:06):
In, baked in, And that's very important for people to know.
That is when you hear the news talk about the
rates coming down, that's when they're coming down. If you wait,
like people are like, oh wan to wait till the
FED meets No, No, No, that's when they're going to
go back up. You've got to do it before it happens.
Speaker 4 (25:20):
They're meeting again, what tomorrow?
Speaker 3 (25:22):
Yeah? So where are rates?
Speaker 4 (25:24):
Can you tell us where where we're at on rates
right now?
Speaker 3 (25:27):
Yeah? So if you're locking, we just gave a veteran
and I can't do this for everybody, but we just
gave a veteran five point one percent today. Wow. Right now.
There was a small cost to that. It wasn't free,
but it it shows you how close they are. Could
he have bought into the fours? Yes, he could have.
Did I recommend it? No, because I think rates are
going to come down further and it makes more sense
(25:47):
for him to spend the money when the rates are
a little lower. But yeah, you're I could do a
no point fha or v a loan right now for
in the high fives, you know five seven five, five
six two five, you can pay no points.
Speaker 4 (26:00):
Have you done your little Google machine?
Speaker 2 (26:02):
No?
Speaker 4 (26:02):
While he used to do that, he would do the search, like,
if you're a consumer and you're looking at what rates are,
let's do it.
Speaker 3 (26:07):
We haven't done it. Let's put thirty year rates today
and mortgage rates thirty year let's see what the Google
machine spits out for us. Okay, it says as of
October late October twenty twenty five, the average thirty year
fixed rate is six point twenty one to six point
two three percent. So guys, don't listen to Google because
you are in the fives right now. You are not
(26:29):
in the sixes. And we talk about why they do that.
It's it's greed, it's go ahead.
Speaker 5 (26:33):
But no conventional. You can do a thirty year conventional and.
Speaker 3 (26:36):
You could be at five nine nine five eight seven five. Yeah,
and most of these they're talking that you pay points
too on these rates. Usually this comes with like one point,
So go figure whatever bank shows up at the point,
we can do it without a point, you know, or
you can. I can usually get somebody about a half
a point lower, but you have to work with brokers guys,
not bankers. Yeah. Yeah, what else on stats? Anything else?
Speaker 4 (26:56):
What else? The other thing I thought was interesting, so
inventory level. So obviously you've been seeing you know, huge
increases ever since we didn't have any inventory pretty much.
But I'm now seeing the percent increase is just lower
than we've been seeing across the board, like most of
the year. It's been you know, up twenty twenty someven percent.
So month's supply in Hillsborough was up seventeen point six
(27:17):
percent year every year, and Panela's thirteen and a half,
Passco eight point six percent. So actually our numbers are down.
So for month supply it's we're at four in Hillsboro,
Panelas at four point two and Pasco at three point eight.
I hear like other you know, tidbits on you know,
news channels and stuff, and you hear, you know, five something.
(27:38):
But I wonder if they do combine.
Speaker 5 (27:40):
Yes, I think that is combined, because last time I
pulled them, yeah it was, it was in that range.
But with the condos and everything.
Speaker 4 (27:46):
Okay, So yeah, just for single family homes, I mean,
inventory levels aren't you know, at the six. So I
think if you're looking to buy, interest rates are good
right now.
Speaker 5 (27:55):
It's a great time.
Speaker 4 (27:56):
Don't plait around for them to get lower. Just start
the process now.
Speaker 3 (27:59):
Yeah.
Speaker 5 (27:59):
Seller sellers are are motivated, especially people that have been
in the market and it's been slow for them. But
if they're prepared, the house is ready and the buyers
can lock in a good rate. I think now is
an awesome opportunity to get going. It's going to get
the prices are going to go back up as soon
as this comes down.
Speaker 4 (28:17):
Your seller motivation is key. So the other number we
don't ever really talk about is the list price to
sell price ratio. So those have actually teetered to like
around ninety five percent across are three counts.
Speaker 3 (28:29):
So I mean sellers are getting what they're listing for
the most part.
Speaker 4 (28:32):
Well ninety of it, ninety five percent of it. But
I mean for a buyer that's great because if you're
expecting you know, five percent discount, and usually that stat
does not include additional concessions, so this is just you know,
at the end of the day price, but then if
somebody got an extra you know, ten thousand dollars concession,
that's on top of that. So buyers are really getting
some great deals right.
Speaker 3 (28:51):
Now, yes, which you can. I'm sure you're negotiating concessions
with a lot of your contracts.
Speaker 5 (28:55):
Yes, we are now, and we never used to do
that a few years ago. Now now most of them
have some sort of concession involved.
Speaker 3 (29:00):
And then when the raids go down and the supplying
a man kicks in, you probably won't be negotiating concession.
Speaker 5 (29:06):
Correct, because then yeah, right, exactly, buyers, it's time.
Speaker 3 (29:09):
It is that Hey, speaking of buyers, how about that
listing an Apollo Beach.
Speaker 5 (29:13):
Oh, thank you for mentioning it. Yeah, we are so excited.
The Odeo team has a new listing in Apollo Beach.
If you get the chance, check it out. It's at
six four two nine Rubia Circle in gated Andalucia and
it's a beautiful piece of property with deep water. So
if you're a sailboat person or something, this could be
your spot. It's a beautiful custom built home, has a
massive party room downstairs, which is super unique, and it's
(29:36):
it's with that. It's about eight thousand square feet. It's
my very big house and they've taken care of everything.
It's pristine, has a brand new roof. These people built
this thing to last. It's got steel beam throughout it.
It is a stunning home and beautiful, beautiful big bay too.
It looks back across the inter coastal, but you have
a lot of distance. It's not a canal, it's like
a bay, open water.
Speaker 3 (29:56):
Yeah.
Speaker 5 (29:57):
So it's it's really.
Speaker 3 (29:58):
Beautiful And what's the price on this?
Speaker 5 (30:00):
This is at you'd see you know now I'm not No,
it's it's just about two.
Speaker 3 (30:04):
Six okay, yeah, okay, wow, that's a three two.
Speaker 4 (30:06):
Thousand square feet.
Speaker 5 (30:07):
Oh yeah, I mean the water, Yeah, three hundred something
a square foot. It's it is. It's a great buy.
Speaker 3 (30:13):
That sounds like a really really good bye. And I
heard you say steel beams, so imagine it's got hurricane
impact windows things like that.
Speaker 5 (30:19):
It has hurricane shutters because that's technolo. It was built
in two thousand and one, so that technology wasn't out yet.
But it does have the shutters so you can put
them up, no big deal. It's easy.
Speaker 3 (30:27):
And I will say there's a benefit to the shutters
because I just swapped those at my beach condo. And
the shutters are nice because I mean, you don't have
to worry about replacing the windows, those hurricane windows. If
something hits them, they break, like it doesn't that stuff
in your house.
Speaker 5 (30:39):
Right, but you still have to replace them right right now.
The shutters old school, but they work and these are
easy to put on.
Speaker 3 (30:45):
Yeah works great. Hey, And if you want to dark
the house out and make no lights inside too, just
have yi shutters.
Speaker 5 (30:50):
Yeah totally.
Speaker 3 (30:51):
My kids used to play with those all the time,
like do o'pen the dang shutters. I can't say anything
so anyway, so that was six four to two nine
Rubia Circle and that's r ub i A are you Bia?
You go six four two nine Rubia Circle? You guys
heard it right here Apollo Beach. That is a great
by eight thousand feet open deep water and you have
a bayview. I would love to see that. You have
to go to heidiodio dot com. That's h g I
(31:13):
d iodio dot com to check out that listing. When
we get back, we're gonna learn a little bit about
who Heidi is. And we've talked a lot about the
real estate market already, so we're just gonna learn about
Heidi and what does her team sell and why should
you give them a call? Right here on the Business
Happy Hour radio show. Again it's heidiodio dot com. And
(31:34):
before we take this break, I'm gonna mention the Lincoln
Lending Group buy before you sell product because I'm gonna
give the whole in last segment here to Heidi, so
unless she wants to talk about it, but the buye
before you sell product is very unique. We will pay
off your mortgage on an interest free, payment free bridge loan.
If you are selling your home, you can use the
money for anything renovating the old home, new home, paying
(31:55):
off debt to qualify, or using for a down payment.
That's right, Heidi can sell your house, so oh can Senia.
And you can use this money seventy five percent of
the equity in your home for free. Just go to
contact frankdbank dot com to find out how you qualify
and we'll get you taken care of again. Lincoln Lending
Group frankdibank dot com. Contact Frank the Bank, We'll see
you in just a minute.
Speaker 1 (32:14):
Let's get back to the business Happy Hour radio show
with your host, Frank Thebank Coodo, owner of Lincoln Lending.
Speaker 2 (32:20):
Group, and his co host Senia Akishana, realtor with Mahara
and Associates.
Speaker 3 (32:26):
All right, Tampa Bay, I hope you've been enjoying the
Halloween episode. So I got to reintroduce my good friend,
Heidi Odio. We actually got to know each other because
we share a couple things in common ice hockey for one,
with our boys, the most dangerous fun sport ever for parents,
and Jesuit high school. That's why we got to meet
(32:46):
each other. Our boys play hockey for the school, and
we have some mutual friends. And then next thing you know,
we're hanging out doing that and height. He's like, well,
I sell real estate, and I'm like, well, I do mortgages.
I'm like, this seems like something we should do together, right, So,
how do you Thank you for coming on the show today.
Speaker 5 (33:00):
Thank you. I'm so happy to be here. Thank you
for having me.
Speaker 3 (33:02):
So tell us a little story about Heidiodio. How did
you get into real estate?
Speaker 5 (33:06):
So real estate? My husband and I had lived abroad
in Costa Rica for seven years and we had our
kids there and we were there for his work. And
when we came back to the US about in twenty fourteen,
he and his brother decided to buy a piece of
property and rezone it and built some townhoun size on it,
and the kids were getting a little bit bigger, and
(33:27):
I thought, well, I used to be in sales. I
should get my license and I'll sell it for them,
and he will be my only client.
Speaker 3 (33:34):
We know how that went.
Speaker 5 (33:35):
Yeah, Yeah, so that's why I started.
Speaker 3 (33:38):
That's awesome. Yeah, and now you've built a very successful team.
Speaker 5 (33:41):
Yes, so grateful. It's been a wonderful ride and journey
and I were having a lot of great success and
looking forward to continuing to grow and deliver the best
results for people and get deals done for them.
Speaker 3 (33:51):
And you guys do a great job. You have a
phenomenal reputation. I must say I had heard of you
before I actually met you, and I'm like, oh, that's
the Heidi Odio. Okay. Now, do you have a whole
bunch of people on the team or is it kind
of tight?
Speaker 5 (34:05):
We are a small team. We deliver a very white
glove service. And so I have an administrative assistant, Lexi Kimball,
who's amazing and I could not do anything without her.
My mother recently joined the team. She retired from her
corporate job in government relations and sales up in New
York and she's relocated down to Tampa and has joined
(34:25):
my team full time.
Speaker 3 (34:26):
So I love it.
Speaker 2 (34:27):
Yeah.
Speaker 3 (34:28):
Now what areas are you sing?
Speaker 4 (34:29):
Now?
Speaker 3 (34:29):
You've got that listing an Apollo beach we talked about
eight thousand feet on open water.
Speaker 5 (34:33):
Yeah, amazing. So primarily South Tampa is what I do.
I will do waterfront across Tampa Bay though, so I've
done Tierra Verde waterfront Clearwater beat North clear Water Beach
water front, some condos out in Penelas also and an
Apollo Beach now. So yes, Davis Islands, you know, west
(34:53):
shore side of South Tampa.
Speaker 3 (34:54):
You've definitely sold a lot on the Davis Island side.
I have.
Speaker 5 (34:56):
I've been very busy. We just had a great deal happen,
a couple pieces of land that I was able to
work with the city onto to subdivide, which was super fun.
I love getting into that stuff. And then we're lucky
enough that the fabulous buyer, Stephen Stamcos, bought the land,
so we were happy to have know that he would
be coming back to Tampa at some point.
Speaker 3 (35:17):
Yeah. Matter of fact, I ran into Steve at the
Academy the other day. Oh yeah, nice Yeah, and I
pushing a stroller too. Yeah, I'm like, what's he doing here?
But then I happen to know about that purchase that
he made, so talk about a great Tampa name. And
I'm sure that was an honor to be able to.
Speaker 5 (35:35):
Help Steve with that absolutely well. And I didn't represent him.
I represented the sellers, but the other gentleman, Alan Mesra,
represented Steven and they're good buddies. And Alan's always a
pleasure to work with.
Speaker 3 (35:44):
Yeah, and great, hey, great shout out to Alan as well.
Some great people over there, So I know there's going
to be another beautiful home on Davis Island. What advice
do you have for your buyers or what do you
tell people? I mean, I know we saw you and
myself and Sinnea, we all agree on the market and
it's time to buy right now. But any advice for
guys getting into the market, Well.
Speaker 5 (36:02):
I think for buyers, you know, just be ready with
your mortgage, you get get in you know, get in
touch with Frank and and get organized because once you
find the right opportunity, you have to move quickly. And
so in a good seller will not and seller's agent
will insist on having that pre approval letter ahead of time.
So I think that's the best thing you can do
as a buyer is be ready for that.
Speaker 3 (36:22):
Yeah, and I agree right saying I mean people, there's
so many people who go out and they find the
house and then they're like, but how am I going
to do it? And you know, in this market, you
might have a little bit of time, but I'm quite
confident when this supply and demand thing kicks in and
these rates go down, sellers aren't going to wait.
Speaker 4 (36:40):
You guys know, but you know what, we did close
when recently and my girlfriend just happened to find the
house though, and we didn't have that, but Frank and
his team, they were on it on a Sunday. I'm like,
let's say, you gotta do this. I mean, we got
it done so quickly. They did a lesson two week
closes for me. I don't long.
Speaker 5 (36:57):
Wow, yeah, I sent two weeks. That is special. That
is a unique. Uh, that's unique.
Speaker 3 (37:04):
Well, I love the accolade. But and I'm being very
truthful when I say it is impossible to do that
unless you have the good team on both sides. Yes,
my team know what to do. Yes, we love fast closings.
You know why because that means we get a fast paycheck.
And that's the beauty of being in a commissioned job.
Is we all work really hard for our people because
we don't get paid if we don't. That's the truth.
(37:26):
But we love fast. But if it wasn't for having
a good real estate team, good transaction coordinators behind the scenes,
and the buyers actually moving quickly, you have.
Speaker 5 (37:34):
To get a buyer.
Speaker 4 (37:34):
I was going to say shout out to my friend
because she made it happen everything you guys asked for her.
I mean, she was like, this is like my job.
I had to put my actual job on hold because
this was a lot of work to you know, be
able to get it all together.
Speaker 3 (37:46):
I love that you said that. And do you think
you'd agree is that the buyers you have to take
it like a job when you're doing the financing. But
look what happens if you spend a little bit of
time fifteen days on a government loan.
Speaker 5 (37:59):
Amazing, amazing, Yeah, right, loans should That's amazing.
Speaker 3 (38:04):
God, I didn't even know I was walking into this today. Well,
so I'm glad we're all all agreeing here. And then
the South Tampa air how is the sale Tampa market
is it? Is it different than the North Tampa market
or the Beach market.
Speaker 4 (38:16):
Sure?
Speaker 5 (38:17):
I think every market has its subniche you know, even
in South Tampa in the various neighborhoods we have. You know,
we have about ten different sub neighborhoods there, so and
each one is a little different.
Speaker 3 (38:26):
Right, So like Davis Island's going to sell a little
faster than Paul Macia or something like that.
Speaker 5 (38:32):
Well, right now, since the storms, it's shifted things, right,
So for folks that are in an ex flood zone,
which means they don't have to have flood insurance, typically
those properties seem to be selling a little bit faster.
You know, some folks are looking for land, they're they're
tearing down something that had flooded, and so you know
that that's that's moving. But you've got to price it right.
(38:53):
The seller has to price it right and have realistic
expectations because there's a lot of inventory in that right now.
So it but if you're if you're in and you're
up high, and you know you've got a great asset there,
and it's still very much a seller's market for those houses.
Speaker 3 (39:06):
Great point, and I'm sure that people that that's something
that a great agent like you and SENNI are going
to point out to people, be like, this one isn't
a flood zone. This one isn't. And by the way,
if you are interested in buying one of those dilapidated
homes or flood at flooded out homes, there are renovation products,
there are construction products. You don't have to have the
hundreds of thousands of dollars up front to do it.
(39:27):
So you'll get with Senny It or Heidi. They'll tell
you if that's going to need it or what you
want to do. Then we get involved and we'll talk
to you and we'll structure it. Right.
Speaker 5 (39:34):
Yeah, there's some great opportunities out there, there really really are.
Speaker 3 (39:37):
So Heidi, any other we got a couple of seconds left.
Any other properties, anything else you want to say to anybody?
Speaker 5 (39:41):
Well, I think right now, just be ready for the
spring market coming. If you're thinking of selling, go through
your to do list, get the house cleaned up, do
a pre inspection. People will want your house ready to go,
and just be organized and we're here to help you
and whatever we can to get you get your goals accomplished.
Speaker 4 (39:58):
And I would say, if you're going, you know South
Tampa market, David Silence, call Heidi for those markets. You
really do need an expert that knows that particular area.
It is a different, you know market than you know.
It's the general you know intercourse, South Tampa is its own.
Speaker 3 (40:12):
Yeah, you need to know somebody to buy in South Tampa.
And guess what you guys now know Haidi Odio it's
Heidiodio o d io dot com. Reach out to her
for your South Tampa real estate and we'll get you
taken care of on the mortgage. Thank you sending for
the stats.
Speaker 4 (40:26):
Thank you, Hi, you for being here. And yes, you're
very welcome.
Speaker 5 (40:28):
Yes, thank you so
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