April 2025

Florence's...

Service For Life !

Insider Tips for Healthy, Wealthy and Happy Living

If you're not already a subscriber to my free e–newsletter e - mail me at Florence@bchrealestate.com to sign up

Florence Gadbois, Realtor CA DRE#01040021 (805) 701 - 8410 E - mail: Florence@BchRealEstate.com

Do You Know What Your Homeowners Insurance Covers?

Aside from basics like fire damage, there are some surprising things that homeowners insurance might cover. In today’s Service For Life ! ® Free consumer newsletter, you’ll learn about policies and add -ons that cover everything from spoiled food to a bear attack. You’ll also learn about how to avoid some common vacation rental scams, tips you can use to reduce your blood pressure, and the second part of our weekly cleaning routine – plus fun facts, a trivia challenge, and lots more. Here are the sales statistics for the Beach/Marina area, which include: Mandalay Bay, Silverstrand Beach, Hollywood Beach, Mandalay Shores, The Colony, HarborWalk, Seeabridge, Westport, Harbour Island, Port Marluna, HarborsWest, C.I.Waterfront Homes.

CLOSED ESCROWS

ACTIVE LISTINGS

LISTING INVENTORY (months)

2021 2022 2023 2024 2025 2021 2022 2023 2024 2025 2021 2022 2023 2024 2025

January February

20 13 14 7 6 13 13 20 8 9

22 21 22 20 26 1.19 0.92 1.48 1.88 4.35 23 21 26 24 33 1.55 0.53 1.54 1.7 4.7 17 12 28 20 36 0.53 0.92 1.83 0.61

March

20 27 16 12 18 23 10 3 22 20 11 10 34 26 15 7 30 17 17 9 28 19 17 13 27 14 11 4 26 16 13 9 25 7 11 7 18 15 5 3

5 thru 3/17

April May June

14 22 30 19 29 21 34 28 28 30 35 30 18 47 37 32 34 37 36 25 20 35 34 34 16 37 32 31 20 39 31 28 21 33 23 28

0.86 0.88 2.1 2.5 1 1.27 2.27 2.79 0.62 1.86 2.55 3.2 1.23 1.69 2.48 3.4 0.73 1.65 2.23 3.74 0.62 1.85 2.27 3.65 0.9 2.03 2.97 3.4 0.875 2.19 1.62 3.57 0.897 1.26 1.5 3.39

July

August

September

October

November December

We just put 1927 Majorca into escrow. Thinking of Selling? Give me a call. I can do the same for you. Finally, I want you to know that you may call me for any reason. And please let me know if a friend, family member or neighbor needs a caring, experienced real estate professional to help in buying or selling. I truly appreciate your friendship and referrals. Enjoy your issue!

Warmest regards, Florence Florence Gadbois DRE #01040021 RE/MAX Gold Coast

Get Free money-saving home tips at my web site: BchRealEstate.com

Florenc e’s…

Service For Life ! “Insider Tips For Healthy, Wealthy & Happy Living…”



WARNING: Don’t even think of selling your home without my Free Consumer Guide titled, “How To Avoid 7 Costly Mistakes When Selling Your Home.” Call me right now at 805-701-8410 to learn more…

6 Surprising Things Homeowners Insurance May Cover Once upon a time, basic homeowners insurance only applied in the event of a house fire. Today, there are seemingly endless options for add ons that may mean your homeowners insurance policy covers anything from sour milk to a slander lawsuit. Here are some surprising things your homeowners insurance may cover —and if you’re not sure, be sure to check with your insurance provider and read your policy carefully. 1. Spoiled Food: If you lose power for days with a full fridge, some policies may cover some of the expenses to replace spoiled food. 2. Lodging Expenses: If an event covered by your homeowners insurance causes damages that force you to live elsewhere for a time, some hotel and dining expenses are often covered. 3. Wildlife Damage: If your mountain cabin is damaged by a bear or some other wild animal, this should be covered. If it’s a squirrel, though, it probably won’t be. 4. Personal Belongings Outside the Home: If you’re carrying some of your jewelry (for instance) outside your home and it’s stolen or lost, it’s likely still covered. This may also be true of your kids’ personal belongings while they’re living in a college dorm, depending on their ages. 5. Legal Expenses: If a neighbor’s child gets hurt using your trampoline and the neighbor decides to sue, the liability coverage on some policies should cover this. Some even apply to slander and libel lawsuits. 6. Identity Theft: If your identity is stolen, some policies cover part of the expense needed to fix the situation and restore your credit.

April 2025 Oxnard, California

Inside This Issue…

Do You Know What Your Homeowners Insurance Covers? …Page 1

4 Common Vacation Rental Scams And How To Avoid Them …Page 2

Lower Your Blood Pressure …Page 3

Create A Cleaning Routine, Part Two …Page 3

Answer This Trivia Question And You Could Win $75 Gift Certificate for Lure Restaurant...Page 4

What Advice Can You Give To First Time Homebuyers?...Page 4

Learn How To Maximize The Value Of Your Home Did you know there’s a free consumer report showing what to fix to net the most value for your home? It’s called “ Make Your Home Show Like A Model Without Breaking The Bank ” and it’s an essential guide to homeowner profits. You can get a free copy by calling me at… 805-701-8410

Get Free money-saving home tips at my web site: BchRealEstate.com

Word of the Month… Studies have shown your income and wealth are directly related to the size and depth of your vocabulary. Here is this month’s word, so you can impress your friends (and maybe even fatten your wallet!)…

Avoiding Vacation Rental Scams

Sites like VRBO and Airbnb have made booking a vacation home extremely easy —which also means it’s easier to get scammed. Even if the service you’re booking with is reputable, it’s almost impossible for them to catch all potential scams in their listings. Here are some of the most common vacation rental scams, and how you can avoid them. • Fake Listings: Many vacation properties are listed on multiple websites, so that fact alone isn’t a red flag. A property that’s listed on multiple sites with different host or contact information, however, is. This may be a scammer who has copied a legitimate listing from one site to lure travelers to their fake listing with a lower booking price. Check with the host directly or contact the site before you book to ask about the discrepancies. • Fake Hosts: You ask about availability, the owner says that rental is booked, but they have another property. It’s not listed yet, so they ask you to move to an external app for further discussion. This is a major red flag! The same goes for discounts offered if you pay using a different app. Always communicate and pay using the official site, so you at least have some recourse if you have problems with the property or the owner. • Fake Photos: Pictures of the property you booked were gorgeous, but when you arrive the actual property looks nothing like those photos. It may be easy these days for scammers to use doctored photos to entice travelers, but it’s also easy for travelers to look at Google Street View or do a reverse image search to make sure it’s realistic. • Fake Reviews: Glowing reviews are easy for a scammer to fake. Look at the reviews themselves, not just the overall star rating. Look for similar sounding language or lots of positive reviews in a short period of time. You might even be able to cross-reference reviews for that property or with that host on other vacation rental sites.

hoodwink (pronounced HOOD-wink) verb

Meaning: to trick, cheat, or swindle

Sample Sentence: Artificial intelligence can be extremely useful — and it can also be used for nefarious purposes like hoodwinking people into sending money to scammers. How To Clean A Front Loading Washer Housekeeping experts recommend washing your washing machine once a month or so to make sure clean clothes smell fresh. Here’s how to clean a front loading machine. 1. Wipe down all accessible surfaces, including drawers and doors. (You may need to remove the part of the drawer where the detergent goes for soaking.) Mix ¼ c water and ¼ c baking soda and add this to the section of drawer where you put laundry detergent. Run the machine at its hottest water setting. When the cycle is complete, spray vinegar on the rubber gaskets around the door and leave it for a few minutes. Wipe the gaskets thoroughly, making sure to push the rag into the folds of the rubber. (You may need to do steps 4-5 a few times.) 2. 3. 4. 5.

Looking for A Home for This Baby Grand Piano …

Quotes To Live By… “Truth is a letter from courage.”

– Zora Neale Hurston, Author

“Let me stay tender -hearted, despite despite despite.”

– Chen Chen, Poet

“Have no fear of perfection—you’ll never reach it.”

Yamaha Baby Grand Piano – GC1 model For More Info: Email swblazwich@outlook.com

– Salvador Dalí, Artist

Get Free money-saving home tips at my web site: BchRealEstate.com

Tips To Prevent Hypertension High blood pressure, otherwise known as hypertension, is a common condition among adults in the U.S., but the good news is that there are some easy lifestyle modifications you can make to help reduce your risk factors. • Exercise: Exercise has many benefits, including lowering blood pressure. And it only takes about 30 minutes daily of aerobic exercise. • Eat Healthy Food: A heart-healthy diet focusing on veggies, fruits, whole grains, legumes, and meats like poultry (without the skin) or fish can help reduce blood pressure. • Limit Salt: The Mayo Clinic says 1,500 mg of sodium per day is ideal for most adults. Try using different dried herbs and spices to add flavor to cooking without (or with just a pinch of) salt. • Quit Smoking: When you quit smoking, your blood pressure starts to drop in as little as 20 minutes. You may also want to invest in a home blood pressure monitor so you can track your blood pressure as you implement some of these changes. Learn how to choose and use a home blood pressure monitor from the American Heart Association: https://www.heart.org/en/health-topics/high-blood pressure/understanding-blood-pressure-readings/monitoring-your-blood pressure-at-home Create A Cleaning Routine, Pt 2 We covered a house cleaning routine for Monday-Wednesday last month, so here’s our suggested list for Thursday -Saturday — Sunday is your day to relax! Again, adjust as needed to find what works for you. You’re more apt to stick with a schedule if it suits you. Thursday: Floors Clear floors of toys, shoes, and other clutter so you can sweep, vacuum, and mop thoroughly. This isn’t a day for spot -cleaning or vacuuming around piles. Friday: Bedrooms & Soft Furniture Strip beds and change sheets, clear sofas and chairs of clutter, and vacuum soft furnishings for crumbs and other small debris. Fluff pillows as you go. Saturday: Laundry Gather and wash all the dirty laundry, including clothing and linens. Fold and put away everything when it’s clean. This is also a good day to check laundry and cleaning supplies to resupply and organize as needed so you’re ready to go on Monday. ➢ ➢ ➢ Did You Know? April Fool’s Day is celebrated international ly and dates back to as early as the 1500’s?

Brain Teaser… I am a room with no floor, walls, or ceiling. What am I?

(See page 4 for the answer.)

What’s My Home Worth? If you want to know your home’s current value, I will gladly conduct a Maximum Value Home Audit . Request this “no charge” in -depth home value analysis by calling me at: 805-701 8410 . A Bubbly Invention Today, bubble wrap is a common protective packing material (not to mention an extremely satisfying fidget). But its inventors weren’t trying to transform shipping — they were trying to make wallpaper. A pair of inventors fused two plastic shower curtains in 1957 to make textured wallpaper. But when the result wasn’t what they hoped for, they were still clever enough to patent the idea. It was first used as packing material by IBM in 1961. Free Movie Websites Hosting movie night doesn’t necessarily mean subscribing to multiple costly streaming services. Here are a few freebies. Kanopy.com has a vast catalog of movies that are available for free through public libraries. With a library card, you get a certain number of “credits” to use each month to stream ad-free films on your TV or through the mobile app. HooplaDigital.com is another ad-free streaming service that’s free through public libraries, and their catalog goes far beyond movies. You can also enjoy TV shows, music, ebooks, audiobooks, and even comics. TubiTV.com ’s collection includes more than 250,000 movies and TV shows, including live TV and some original programs, that are free to stream — but they do have ads. Dad Joke: Sleep Cycle Why did the bicycle fall over? Because it was two-tired!

Get Free money-saving home tips at my web site: BchRealEstate.com

Thanks For Thinking of Me!

“Who Else Wants To Win $75 Gift Certificate for Lure Restaurant ?” Guess who won last month’s Trivia Question? I’m pleased to announce the lucky winner of last month’s quiz. And the winner is …drum roll please: Mary Freeman from The Colony. The first World Cup was held in 1930, but the current World Cup trophy wasn’t introduced until 1974. They needed a new one because the original was: a) lost b) considered ugly c) awarded permanently d) damaged The answer is c) awarded permanently. When Brazil won its third World Cup title in 1970, they were given the trophy to keep. The new trophy was first awarded to West Germany in 1974.

Did you know I can help you or any of your friends or family save time and money when buying or selling a home? Thanks for keeping me in mind with your referrals…and spreading the word about my services.

Brain Teaser Answer:

A mushroom!

Vulture Veneration It’s easy to feel squeamish about a bird that feasts on carrion, but vultures deserve a lot of respect. A new body of research shows that by eating the bodies of dead animals, vultures reduce the emissions of greenhouse gases like methane and carbon dioxide that would otherwise be released if the carcasses were left to rot. One estimate is that vultures in the Americas remove as much CO2 globally in a year as is produced by 2.6 million automobiles. This Side Up Do you always plug in your USB cables the wrong way on the first try? Most of us do! But pick up a USB cable lying around your house- that little weird tree symbol on the cable actually shows the right way up. THANK YOU for reading my Service For Life ! ® personal newsletter. I wanted to produce a newsletter that has great content and is fun and valuable to you. Your constructive feedback is always welcome. AND… whether you’re thinking of buying, selling or financing real estate, or just want to stop by and say “Hi,” I’d love to hear from you… Florence Gadbois CA DRE #01040021 RE/MAX Gold Coast 805-701-8410 florence@BchRealEstate.com BchRealEstate.com Disclaimer: The information contained in this letter is intended for informational purposes. It should not substitute as legal, accounting, investment, medical or other professional services advice. Always seek a competent professional for answers to your specific questions. This letter is not intended to solicit real estate properties currently for sale.

So let’s move on to this month’s trivia question.

You may have honey in the cupboard, but you may not know all of its mysteries. Which of these honey claims is not true?

a) honey was an early chemical weapon b) honey is medicinal c) honey never goes bad d) only bees make honey

Call Me At 805-701-8410 OR Email Me At florence@BchRealEstate.com And You Could Be One Of My Next Winners!

Real Estate Corner…

Q. What advice can you give to first-time homebuyers? A. The best advice is to learn from the mistakes of others. Here are three common examples: · Not knowing what you can afford . Examine your budget, get a copy of your credit report, and sit down with a qualified lender to determine how much of a loan you can afford. Feel free to ask me for a list of lender recommendations, then make sure you comparison shop for a mortgage. · Forgetting to consider the overall costs of home ownership. You can make the monthly payment, but remember to add in the cost for homeowners’ insurance, property taxes, utility costs, plus maintenance.

· Paying too much for a beautifully staged home. The home looks perfect , but will it look that way when you move in your furniture?

Do you have a real estate question you want answered? Feel free to call me at 805-701-8410. Perhaps I’ll feature it in my next issue!

Get Free money-saving home tips at my web site: BchRealEstate.com

Florence’s…. Colony MarketWatch ™ Here’s Neighborhood Home Information For The Colony To Help You Evaluate The Value Of Your Investment. ”

Active Listings …

Address

Bdrms

Baths

Sq. Ft.

Floor Plan

Asking Price

Antigua Way

2 2 2 2 2

2 2 2 2 2

1218 1217 1429 1368 1867

Martinique Martinique

$775,900 $829,888 $919,000 $939,000 $975,000 $887,577

San Tropez Circle Martinique Lane

Madeira (upper level)

Majorca

Madeira

Martinique Lane Market Average

Capri

Active Under Contract…

Address

Bdrms

Baths

Sq. Ft.

Floor Plan

Asking Price

1927 Majorca

2

2

1368

Madeira

$849,000 $849,000

Market Average

Sold Propert ies… (01/01/24 Thru 03/20/2025) Address List $ Sale $

Sq.Ft.

$/sq.ft

Floor Plan

Date Sold

4695 San Sebastian

$774,000

$749,000

1217

$615.45

Martinique

11/21/24 02/07/25 02/07/25 11/12/24 05/24/24 11/12/24

2243 Martinique 2105 Martinique 1972 San Tropez

$799,888 $810,000 $899,000 $908,000 $900,000 $899,000

$775,000 $797,000 $855,000 $884,000 $887,500 $890,000

1368 1368 1368 1368 1627 1368

$566.52 $582.60 $625.00 $646.20 $545.48 $650.58

Madeira Madeira Madeira

4683 San Sebastian

Madeira

1947 Majorca

Capri

2135 Martinique

Madeira

01/19/24

2041 Majorca

$899,000

$890,000

1550

$574,19

Antigua

03/25/24

2155 Martinique

$965,000

$920,000

1368

$672.51

Madeira

08/30/24 04/24/24

1925 Majorca 4494 Antigua

$949,888 $949,888

$900,000 $925,000

1627 1368

$553.17 $694.36

Capri

Madeira

08/28/24

2117 Martinique

$925,000

$905,000

1549

$582.00

Antigua

03/25/24

1950 San Tropez

$939,000

$915,000

1550

$590.32

Antigua

02/18/25 10/10/24 02/12/25 05/15/24

4687 San Sebastian

$939,888 $949,000 $988,888

$939,000 $949,000 $998,288

1807 1628 1368

$520.14 $582.92 $729.74 $774.19

Capri Capri

1925 Majorca 2015 Majorca

Madeira Antigua

1985 San Sebastian

$1,395,888 $1,200,000 1550

10/28/24

2355 Vina del Mar

$1,595,000 $1,595,000 2692

$592.50

Costa de Oro

03/18/24 03/22/24

2335 Vina del Mar 4760 San Sebastian

$1,595,000 $1,610,000 2059 $2,025,000 $1,962,500 1766

$550.85

San Tropez

$1,111.27

Capri

02/25/25

$1,055,816 $1,027,214

$648.65

Market Average

RE/MAX represented buyer, seller or both. Properties as of March 20, 2025 and may not be listed by RE/MAX. Data is based on information reported by multiple brokers to the CRMLS. Data accuracy is not guaranteed by CRMLS. This report is not intended to solicit properties already listed for sale.

To See Colony Floor plans go to: TheColonyatMandalay.com/colony-floorplans

Florence’s… MarketWatch ™

“ Here’s Neighborhood Home Information For HarborWalk To Help You Evaluate The Value Of Your Investment. ”

Active Listings … Address

List $

Sq.Ft Floor Plan

$549,000 $745,000 $750,000 $990,000 $758,500

781

3101 Harbor Blvd

Plan A Plan D

Sunset Lane Sunset Lane Sunset Lane

1198

925

Plan C

1319

T-2

Market Average

Active Under Contract … Address

List $

Sq.Ft Floor Plan

$549,000

781

3019 Harbor Blvd

Plan A

Sunset Lane

$924,900 $726,950

1319

T-2

Market Average

Sold Properties (01/01/2024 – 03/20/2025 Address List $ Sold $

Sq ft $/sq.ft

Floor Plan

Date Sold

2937 Harbor

$550,000

$505,000

925

$545.95

Plan C

08/12/24 04/15/24

3128 Sunset 3049 Harbor

$575,000 $590,000

$530,000 $580,000

925 781

$572.97 $742.64

Plan C Plan A

11/04/24

2937 Harbor

$669,000

$650,000

925

$702.70

Plan C

11/14/24

3484 Sunset

$695,000

$650,000

1135

$572.69

T-3

01/17/25 01/24/24 02/07/24 08/28/24 03/08/24 03/11/25

3330 Sunset 3600 Sunset 3120 Sunset 3334 Sunset 3205 Harbor 3250 Sunset

$799,000 $729,000 $705,000 $829,000 $899,000 $955,000

$692,500 $692,000 $715,000 $750,000 $865,000 $850,000

1475 1135 1198 1475 1401 1402

$469.49 $600.88 $596.83 $745.76 $617.42 $606.28

Villa

T-3

Plan D

T-1

Villa Villa

08/30/24

Market Average

$723,181

$679,954

$595.01

•

Bold: REMAX Represented Buyers, Sellers or Both

The information referenced has been provided by the Ventura County MLS Corporation’s MLS as of March 20, 2025 The listings and sales are not exclusive to RE/MAX Gold Coast Realtors and may have been represented by others. Display of the MLS data is deemed reliable, but not guaranteed by the MLS and prices are subject to change.

See HarborWalk floor plans at: HarborWalkCondos.com