Melissa Scott Gann at The Beaches Realty Group

Melissa Scott Gann at The Beaches Realty Group Experience matters! Been in the business over 18 years, please let me know how I can help you buy or sell a home?


You know what they say: "LOCATION LOCATION LOCATION!" Huge price drop at 315 Plaza Atlantic Beach!

It's a great time to buy!  🤩

It's a great time to buy! 🤩



315 PLAZA, ATLANTIC BEACH, FLORIDA 32233 is a 3 bed, 3 Baths, 2,732 sqft Single Family built in 1974 listed at $845,000. MLS # 985925.

Cool Lighting Tips
Cool Lighting Tips

Cool Lighting Tips

Americans across the country are using these inexpensive outdoor lights to add security and beauty to the exterior of their homes and gardens.

“I bought these to light up my home for extra security, but I’ve gotten so many compliments from my neighbors on how beautiful my home looks at night!”

Read More ➡

Hitting the market on April 1!  Plan to come see asap!   Incredible home!

Hitting the market on April 1! Plan to come see asap! Incredible home!

Amazing home! The best of Atlantic Beach life, walk to beach, town center, golf and tennis, & parks! Renovated and upgrades galore. A must see! Garage has been converted to a bonus room, easily converted back to 2 car garage.


ORLANDO, Fla. – March 14, 2019 – analyzed listings on its website with an eye toward the best day of the year to put a home on the market. The ideal day?

April 1

That's close to ideal for Jacksonville – one of four Florida metro areas included in the analysis – but less so for other areas. According to, the best time to list a home in Jacksonville this year is March 31.

The Orlando-Kissimmee-Sanford metro area's high-point for listing a home is less than two weeks later, April 14, 2019, but the peak time to put a house up for sale in Tampa-St. Petersburg-Clearwater doesn't occur until early summer, June 9, 2019. And the Miami-Fort Lauderdale-West Palm Beach doesn't follow the spring selling season pattern at all. says the top day to list a home in South Florida is Aug. 4, 2019.

"June is often considered the peak of home buying season, but our analysis found the first week of April is best for sellers looking to maximize list price, and also reduce the risk of price cuts and competition from other sellers," says Danielle Hale, chief economist for "Given the time it takes from listing to close, putting a home on the market in early April positions sellers to attract buyers seeking to close and move before the beginning of school year."

The analysis is based on trends in median listing prices, views per property on, home price drops, median days on market, and number of listings on the market over the last three years.

Why the first week of April?

The market is bustling with buyers, but the number of homes hasn't peaked yet, according to the analysis. Homes listed the first week of April see 14 percent more views, on average, and 5 percent less competition compared to the rest of the year's weekly average. As a result, homes are likely to sell 6 days (about 9 percent) faster on average.

Although the typical June listing is 7 percent more expensive than the best week to list, waiting until June could mean a higher likelihood of a price reduction as buyers bow out toward the end of summer.

In addition to more views, homes listed at the beginning of April are approximately 1 percent less likely to take a price cut, on average, compared to the rest of the year. On the flip side, homes listed in June are 1 percent more likely to have their price reduced and see nearly 2 percent fewer listing views than other times of the year, on average.

Another factor likely to boost April buyer demand this year is the surprising decline in mortgage rates that started in November 2018. Rates are now below 4.5 percent vs. nearly 5.0 percent in November 2018. These lower rates could entice demand earlier than usual.

© 2019 Florida Realtors®

Lucky to call him a friend!

Lucky to call him a friend!

Have you heard the news? Glenn Layton Homes was awarded “Best of Houzz 2019 for Design.” This is our fifth year in a row winning a Houzz Award! We would like to thank the Houzz community for voting our custom home designs among the most popular images. View our Houzz profile at #GlennLaytonHomes #Houzz #BestOfHouzzWinner #Design


Many fond memories from the landing!

Americans’ FICO scores hit record-high average BOSTON – Oct. 1, 2018 – 704! That's the new, record-high average FI...

Americans’ FICO scores hit record-high average

BOSTON – Oct. 1, 2018 – 704! That's the new, record-high average FICO credit score among millions of Americans, and it's positive news for homebuyers, sellers, lenders and the economy overall.

What it signifies, according to Ethan Dornhelm, FICO's vice president of scores and analytics, is that 10 years out from the housing bust and the global financial crisis, Americans are "making more judicious use of credit." They're using less than the maximum amount of credit available to them, paying their monthly mortgages on time and exhibiting fewer glaring negatives in their credit bureau files.

FICO scores predict the probability that a borrower will default on a loan. They run from 300 – indicating that the individual is extremely high risk – to 850, meaning almost no risk of default. A score of 704 is considered good and, along with other favorable factors in your application, will help get you approved for a mortgage – though not necessarily at the lowest interest rate and fees available.

A score of 750 will get you primo rates and terms but a 450 will probably get your application tossed. In the mortgage arena, FICO scores are used by virtually all lenders and are the only scores that mega-investors Fannie Mae and Freddie Mac accept. They are also used extensively for credit card, auto loan and other loan applications.

FICO periodically studies a 10-million-persons sample of the 200 million-plus consumers whose credit histories are on file at the three national credit bureaus. In 2009, the average score of consumers nationwide was 686. Since then, average scores have been improving gradually along with the economy, lower unemployment and rising incomes. The 5-point increase from 699 in 2016 to 704 this year is one of the largest two-year improvements on record.

A few noteworthy trends jump out of FICO's latest data on Americans' scores:

Age matters. Young people age 18 to 29 tend to have lower scores than other age groups – they score an average 659. Part of the reason might be that many of them have "thin" files with relatively few credit accounts or transactions. When they fail to make payments or pay late on a credit card, the event weighs more heavily on their score than it would if they had longer histories. The average score for people ages 40 to 49 is 690 and, for seniors 60 and older, it's 747.
Fewer people are hobbled with collection accounts. When you don't pay back what you borrowed, your lender might hire third-party collectors. That gets reported to the credit bureaus and can depress your FICO score for years. Twenty-eight percent of all Americans had collection accounts on their credit files in 2015; today, it's just 23 percent.
Rock-bottom FICO scores are fewer. In 2009, 7.3 percent of American consumers had terrible scores, ranging between 300 and 499. Now that's down to 4.2 percent. In 2009, 8.7 percent of consumers scored between 500 and 549; today, it's down to 6.8 percent. Overall, fewer Americans now have FICO scores below 650. In 2009, 35 percent scored 649 or less; today, it's 28.7 percent.
Super scorers are increasing. A record number of Americans – nearly 22 percent – have FICO scores of 800 and higher. Forty-two percent score between 750 and 850.
Mortgage borrowers' scores are dropping. Though FICO scores for most categories of consumers are up, average scores for people taking out home mortgages are sliding in the opposite direction. In 2009 and 2013, borrowers had average scores of 745; now, they're down to about 733. This might seem odd, but FICO says it shows that lenders are relaxing their approval standards slightly to include a broader range of borrowers. Think millennial first-time buyers and people who hit a rough patch during the Great Recession.
What to make of the latest FICO numbers? Lessons learned from the housing bust and the recession are clearly having impacts on consumers' scores and behavior. Dornhelm thinks more Americans have access to – and understand – their credit scores, and they're avoiding doing things that can depress them, such as maxing out on credit cards. If you're smart, you've been doing the same.

© Copyright 2018, Richmond Times-Dispatch, Richmond, VA, Kenneth R. Harney. Kenneth R. Harney heads his own consulting firm in Chevy Chase, Md.

New Listing! Best assistant EVER!  Offer in on DAY 1!  #realtorlife

New Listing! Best assistant EVER! Offer in on DAY 1! #realtorlife

How bout a fixer upper?  Anyone?

How bout a fixer upper? Anyone?

A fantastic house!

A fantastic house!




GREAT HOUSE!  Please come see it?!

GREAT HOUSE! Please come see it?!

Glenn Layton Homes

Glenn Layton Homes

Check out this video to see why you should build your dream home with #GlennLaytonHomes at EvenTide in Ponte Vedra Florida. With extensive experience building coastal-style homes along Northeast Forida’s coastlines, Glenn Layton Homes is a natural fit for homeowners searching for the coastal lifestyle in this gorgeous Ponte Vedra Beach community.

Craft Factory

Outdoor Lighting Perspectives

Check out WATT you can do with these light bulbs! 💡

Craft Factory

Craft Factory

Check out WATT you can do with these light bulbs! 💡

Outdoor Lighting Perspectives

Outdoor Lighting Perspectives

The team has been getting installations done in this crazy weather!

Proud to be at a city commission meeting when our city was dedicated as a purple heart city!

Proud to be at a city commission meeting when our city was dedicated as a purple heart city!


Walk through @ 7638 Praver Ct San Jose Manor mls#934496 $255k


walk through @ 7638 Praver Ct mls#934496

Move in ready in San Jose Manor!  $255k  Call to tour asap, it won't last!

Move in ready in San Jose Manor! $255k Call to tour asap, it won't last!

Where can you live across the street from the ocean for less than $200k?

Where can you live across the street from the ocean for less than $200k?

Such a cool spot!

Such a cool spot!

The Friends of Heritage Park are so pleased to see how wonderfully the new outdoor lighting will enhance our weddings, receptions and other parties that are booked for the evenings. Have you considered booking your events at Heritage Park and Gardens? Check this out...

Show off your Spring Flowers!?
Tips on Choosing an Outdoor Lighting Company | Outdoor Lighting Perspectives

Show off your Spring Flowers!?

Tips on Choosing an Outdoor Lighting Company With a professionally installed lighting package for your home or business, you will increase curb appeal, safety and security. And more importantly, you extend your time outdoors – allowing you to enjoy more of the Florida lifestyle. But, how do you ch...


From the latest Florida Realtors Newsletter:

Multigenerational households hit new high

NEW YORK – April 11, 2018 – More generations are living under one roof together. A new analysis from the Pew Research Center shows that households with two or more adult generations hit an all-time high in 2016, using the most recent census data available for the analysis – an all-time high of 20 percent (64 million Americans) in 2016.

This multigenerational household trend appears to be growing across nearly all racial and age groups, the Pew Research Center reports, though a specific increase in Asian and Hispanic populations makes up a significant part of the boost, and both ethnic groups are more likely to live in multigenerational households than white households.

About 29 percent of Asians lived in a multigenerational household in 2016 compared to 27 percent of Hispanics, 26 percent of blacks and 16 percent of whites.

Millennials are the most likely age group to live in a multigenerational household: 33 percent of those ages 25 to 29 live with their parents, according to Pew Research's analysis.

But a greater number of older adults are starting to live with their adult children too. Twenty-four percent of those aged 55 to 64 are living with their children, and 21 percent of those ages 65 and older are living with their children or adult grandchildren, according to the analysis.

Builders have been trying to prepare for the growth in multigenerational living, such as by introducing new floor plans that include mother-in-law suites, two main floor master bedrooms, or backyard cottages.

Source: "Number of Multigenerational Households Hit All-Time High," HousingWire (April 9, 2018)

© Copyright 2018 INFORMATION INC., Bethesda, MD (301) 215-4688

Please stop in and say hello!  Check out this gem tomorrow!

Please stop in and say hello! Check out this gem tomorrow!


What To Do When Your House Won’t Sell

For families with an active duty military service member, mid-May through the end of August is peak permanent change of station, or PCS, season. Receiving orders to new assignments across the United States — or even worldwide — triggers quite the to-do list, which for homeowners includes putting your home on the market.

So you spruce up the paint and groom the landscaping to boost curbside appeal, but what if your house doesn’t sell?

First, don’t panic — it’s frustrating, yes, but there are strategies for dealing with this situation. Consider these steps when your house won’t sell:

1. Make sure you have the right expertise in your corner.

You want to make sure you have a capable, trusted real estate agent helping you sell the property. A great agent should assist in pricing the home properly based on comparable homes in your neighborhood, as well as actively marketing the property. A poorly priced home that no one can find won’t sell, and if it sits a long time on the market it may scare off other potential buyers. Don’t be afraid of hiring a new real estate agent if your current one hasn’t had success.

2. Consider lowering your asking price.

Ouch. We get it: This isn’t ideal, because it might mean losing money on your home. It just might be the only adjustment you need to make before buyers are champing at the bit to buy your place. Remember that people will be more willing to work with you if you lower your asking price — not only buyers, but your real estate agent might be willing to adjust their commission to a lower rate.

3. Do Some Social Networking.

“Leverage your personal network and your social media presence to let your friends and extended friends of friends know your home is on the market,” says Briana Hartzell, military spouse and community manager for USAA’s Member Community, where she writes about moving (PCS). “It helps to also make sure your active duty family member shares the plans to sell your home. You may get news of someone joining your command who is interested.”

4. Instead of selling, consider renting out your home.

Becoming a landlord is a big decision that carries risk, so be sure you’re ready for the added responsibility of renting out your property. The upside is that it takes the pressure off selling right away, and can help if you’re currently stuck paying payments and expenses on two homes.

Check the going rental rates in your area to determine a price that’s comfortable for you and fair to the tenant. Review the associated costs with having a rental, including taxes, rental property insurance and routine maintenance, and make sure you have an added reserve of money for bigger emergency expenses related to the home.

You’ll also want to run credit checks and interview past landlords to ensure your new tenants will be responsible — not only with timely rent payments, but also treating your home with care.

Make sure to have a plan in place for when maintenance on the home is needed since you’ll likely be located too far away to hop over and unplug a drain or fix an air conditioner. Establish relationships with a trusted service that can handle repairs in your absence.

5. Move by yourself to the new city or state while your family remains in the house until it sells.

This will relieve some of the financial stress you’re feeling, since you now have options to get a temporary roommate and lower the cost of living, or crash on the couches of family/friends at no cost. There will likely be an emotional price: the difficulty of being separated from your family, no matter how short a time.


2320 3rd Street South Suite 11
Jacksonville Beach, FL


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