November 2025

Florence and Sue ’ s...

Service For Life !

Insider Tips for Healthy, Wealthy and Happy Living

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

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

Sue Studebaker, Realtor CA DRE #01031968 (805) 794 - 5700 E - mail: sstudebaker5@gmail.com

Can You Read Food Labels?

Staying healthy is key, but what’s really healthy when it comes to what you’re eating and deciphering what’s on food labels? In today’s Service For Life ! ® Free consumer newsletter, you’ll learn how to decipher what often confusing information on your favorite food products, and how to make the best choices for you and your family. You’ll also learn how to how to: be savvy when it comes to online shopping, stay safe while traveling, and get rid of those pesky bathtub stains – plus fun facts, a trivia challenge, and lots more! Here are the sales statistics for the Beach/Marina area, which includes Mandalay Bay, Seabridge, Mandalay shores, Silverstrand Beach, Hollywood Beach, Westport, Port Marluna, The Colony, HarborWest, HarborWalk, C.I. Waterfront Homes. (Note: Inventory less than 6 months is considered a seller’s market; more than 6 months, a buyer’s)

CLOSED ESCROWS

ACTIVE LISTINGS

Inventory (months)

AVE SALE $ (Thousands)

2023 2024 2025 2023 2024 2025 2023 2024 2025 2023 2024 2025

January February

8 7 6 22 20 26 1.48 1.88 4.35

1381 1031 1084

7 8 9 26 24 33 1.54 1.7 4.7

1209 2307 1969

March

16 12 10 28 20 36 1.83 0.61 6.06

1355 1357 1103

April May June

10 3 6 30 19 44 2.1 2.5 7.61

1138 1375 1833

11 10 13 34 28 59 2.27 2.79 8.63

1459 1389 1316

15 7 11 35 30 69 2.55 3.2 8.28

1145 1486 1835

July

14 9 14 37 32 69 2.48 3.4 7.88

1418 1644 1626

August

17 13 16 36 25 61 2.23 3.74 7.55

1694 1737 1257

September

11 4 9 34 34 68 2.27 3.65 6.79

1616 1101 1149

October

13 9

32 31

2.97 3.4

1619 1432

November December

11 7

31 28

1.62 3.57

1321 1,214

5 3

23 28

1.5 3.39

888 2583

Finally, I want you to know that you may call us for any reason. And please let us know if a friend, family member or neighbor needs a caring, experienced real estate professional to help in buying or selling.

We truly appreciate your friendship and referrals. Enjoy your issue!

Warmest regards, Florence

Sue

Florence Gadbois

Sue Studebaker

DRE #01040021

DRE #01031968

RE/MAX Gold Coast 805-701-8410

RE/MAX Gold Coast 805-794-5700

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

State of The Market Channel Islands Harbor Beach/Marina Area

The Absorption Rate is an estimate of how long it may take for the existing housing supply to be absorbed by the current demand for housing. Calculations are based on the average sales for the last 12 months and the existing For Sale Inventory as of the first of the month. 6 month supply is considered a balanced market, Less than 6 months a seller ’ s market and more than 6 months a buyer ’ s market. Beach Marina Area includes: Mandalay Shores, Hollywood Beach, Silverstrand Beach, Mandalay Bay, Seabridge, Westport, The Colony, HarborWalk, HarborWest, Harbour Island, and Channel Islands Water front Homes.

ABSORPTION RATE (months) 2023 2024 2025

AVE SALE $ (Thousands)

ACTIVE LISTINGS

CLOSED ESCROWS

2023 2024 2025

2023 2024 2025

2023 2024 2025

January February

8

7

6

22

20

26

1.48 1.88

4.35

1381 1031 1084

7

8

9

26

24

33

1.54

1.7

4.7

1209 2307 1969

March

16

12

10

28

20

36

1.83 0.61

6.06

1355 1357 1103

April May June

10

3

6

30

19

44

2.1

2.5

7.61

1138 1375 1833

11

10

13

34

28

59

2.27 2.79

8.63

1459 1389 1316

15

7

11

35

30

69

2.55

3.2

8.28

1145 1486 1835

July

14

9

14

37

32

69

2.48

3.4

7.88

1418 1644 1626

August

17

13

16

36

25

61

2.23 3.74

7.55

1694 1737 1257

September

11

4

9

34

34

68

2.27 3.65

6.79

1616 1101 1149

October

13

9

32

31

2.97

3.4

1619 1432

November December

11

7

31

28

1.62 3.57

1321 1,214

5

3

23

28

1.5 3.39

888 2583

Sue Studebaker DRE #01031968 805 - 794 - 5700 Sstudebaker5@gmail.com

Florence Gadbois DRE #01040021 805 - 701 - 9410 Florence@BchRealEstate.com

RE/MAX Gold Coast 3541 - B W 5th St. Oxnard, CA 93036

Florence and Sue ’s…

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



If you’re thinking about selling your home soon, request our Free Consumer Guide, “ 7 Insider Tips To Net More Money Selling Your Own Home .” Call right now at 805-701-8410 for details…

Online Shopping, Made Better The Internet has changed the way we live our lives in so many ways, from entertainment and streaming TV shows and movies, to keeping up with friends and family on social media platforms, to, of course, shopping. In addition to shopping more stores than ever before, online shopping gives us the chance to be sure we’re getting the most bang fo r our buck. Try some of these apps to help you get the best deal. These apps may be available to download from Apple Store and Google Play, as well as their individual websites. • BuyVia : Popular household items, electronics, groceries, clothes and more are all featured on this website and app, along with local deals and coupons. Shopping alerts will let you know when prices drop on items you’re watching. www.buyvia.com • Flipp : Rather than spending time collecting and flipping through grocery store sale flyers, download Flipp and let the app do the work for you. Like BuyVia, you can add items to a watch list and be alerted when prices drop. Another bonus here: store loyalty card info can easily be kept in one accessible place. https://flipp.com/ • Price.com : Find discounts and coupon codes for thousands of stores on this website and app. Three search options make it easy to use: type, barcode scan, or photo. Price alerts are available, too. www.price.com

November 2025 Oxnard, California

Inside This Issue…

Savvy Online Shopping…Page 1

4 Tips For Travel Safety…Page 2

Clean Bathtub Stains…Page 2

Decipher Food Labels…Page 3

Answer This Trivia Question And You Could Win $75 Gift Card for Lure Restaurant...Page 4 We’ve Been Thinking Of Hiring A REALTOR To List Our Property. What Should We Look For In A Qualified Agent?...Page 4

• ShopSavvy : This website and app have been saving consumers

money for more than 20 years, and it’s easy, too. When you’re out and about, simply scan a barcode with your phone to compare prices at local and online retailers. www.shopsavvy.com

THANK YOU for reading our Service For Life ! ® personal newsletter. We wanted to produce a newsletter that has great content and is fun and valuable to you. Your constructive feedback is always welcome.

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

Stay Safe Out There

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!)…

Traveling can be a lot of fun: with exploring new places, discovering new cultures, and making memories to last a lifetime. It is easy to get so wrapped up in what we’re doing that we can quickly forget to stay safe at the same time. These tips will make sure you’re making the most of it all, safely. • Before you leave home, use your smartphone to take photos of your driver’s license, passport, and medical insurance card, just in case. • Always make sure that someone who is not traveling with you knows your itinerary. Set a schedule to check in with them every once in a while. • It’s easy to be distracted by taking the perfect selfie, but just like at home, be aware of your surroundings. Don’t fall and watch your belongings! • If you are traveling internationally, check with the U.S. Department of State for any alerts that may impact your trip. Enrolling in the

Undulant (UN-juh-lunt) adjective

Meaning : things that rise and fall in waves

Sample Sentence: I easily became entranced watching the undulant sheets in the breeze.

B Did You Know? There is a lot of science behind the reds, oranges and yellows of fall leaf color, but did you know that some colors depend on the amount of sugar in the leaves? The drier and sunnier the weather, the more sugar in the leaves, which makes them the vibrant reds and purples we all love to see. Get Grout Stains Out Use this simple solution to gently yet effectively clean grout between your kitchen and bathroom tiles: • Combine ¾ cup baking soda, ¼ cup hydrogen peroxide and 1 tablespoon dish soap; pour into a squeeze bottle. • Apply cleaning solution to the grout; let stand 15 minutes. • Wipe cleaning solution with a damp cloth. Do not scrub; that could lead to scratching the tile. Quotes To Live By… “ The best and most beautiful things in the world cannot be seen or even touched – they must be felt with the heart .”

Smart Traveler Enrollment Program (STEP) ensures you’re updated while traveling. https://mytravel.state.gov/s/step

Here’s A Free, Valuable Resource… Now You Can Search The Home Market, Get Helpful Community Information, AND Receive Important Resources For Saving Time And Money When Buying Or Selling At BchRealEstate.com

Scrub-a-Dub-Dub

Let’s be honest, there’s nothing glamorous about cleaning the bathtub, but it’s a chore that needs to be done. What to do, though, if there’s a stain that you just can’t seem to get rid of? This simple solution may just do the trick. 1. Mix a squirt of dish soap with warm water, then create a 50-50 mix with white vinegar in a bottle. Shake well. Note: This mixture works well on all tub materials, but do not use vinegar on stone. 2. Spray or apply the mixture onto the stain; let sit 5 to 10 minutes. 3. Scrub and rinse the area, repeating if necessary. You can keep bathtub stains at bay by being proactive, too. Fill a spray bottle, half vinegar and half water, and spray down the tub each evening, leaving it overnight. Before using the next morning simply rinse and voilà , a clean tub in no time at all! Careful with vinegar on some fixture finishes, though, as it can corrode.

– Helen Keller, humanitarian

“Keep your face always toward the sunshine – and shadows will fall behind you.” – Walt Whitman, poet

“Try to be a rainbow in someone’s cloud.”

– Maya Angelou, poet

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

Making Sense Of Food Labels One of the biggest aspects of healthy living is how we fuel our bodies, which can be a bit daunting. Food packaging provides a lot of information about what is in the items we’re eating, but it can be confusing to decipher just what all the info means. Let’s take a look. • Serving Size . One of the first things to look at on food labels is the serving size. For example, it’s easy to guzzle down an entire 24 ounce bottle of sports drink with a front label that reads 80 calories per 12 fluid ounces. Take a moment to spin the bottle to the back label and you’ll find that there are actually about 2.5 servings per bottle, for a total caloric intake of 190 calories. • % Daily Value . A good rule of thumb when looking at the % Daily Value in a food is 5% or less of a nutrient per serving of that item is low, while 20% or more is high. Note: Daily Values are based on a diet of 2,000 calories a day. • Fat and Sugar . It can be tricky trying to determine the amounts of fat and sugar in food. Rather than focusing on the total amounts of each, take a look at the individual amounts. For example, saturated and trans fats: avoid trans fats as much as possible, and limit the amount of saturated fats. As for sugar, try to limit added sugars, which can be masked as syrups, fructose, and juice, to name just a few. • Beneficial Nutrients . Food labels can also help us ensure we’re getting enough beneficial nutrients each day, too, like calcium, iron, potassium, vitamin D and dietary fiber. To that end, the American Heart Association says adults need at least 25 – 35 grams of daily fiber to maintain good health.

1 Brain Teaser… What comes once in a minute, twice in a moment, but never in a thousand years? (See page 4 for the answer.) Real Estate Question? Maybe you want to know how much your home is worth. Or maybe you just need a recommendation for a handyman, carpet cleaner or plumber… Either way, I love hearing from all of my good friends and clients. And I’m happy to help answer questions you might have about anything relating to real estate or home-ownership. If you have a question, tip or idea, call me at 895-701-8410 . We’re here to help! backyard movement to shed our rakes and leave leaves where they fall. Why? Not only do the leaves supply nutrients and act as natural fertilizers for lawns and gardens in the wintertime, but they also create habitats for small critters who make their homes here, including butterfly pupae, and worms and other soil aerators. Have a Laugh Why do bees have sticky hair? Because they use a honeycomb. Interior Design Websites Before you redecorate your home, use these websites to see how your ideas will look in reality. www.superdwell.co – Choose an aesthetic and color palate that suit your taste, and watch your space come to life, complete with a shopping list. www.3dream.net – Helpful tutorials will walk you through the design process. www.floorplanner.com – See how your furniture will fit into place to make the most of your space. Leave The Leaves In recent years there has been a

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

Thanks For Thinking of Us! Did you know we can help you or any of your friends or family save time and money when buying or selling a home? Thanks for keeping us in mind with your referrals…and spreading the word about our services.

“Who Else Wants To Win $75 Gift Card 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: Andrew Pfeffer of Oxnard.

Brain Teaser Answer: The letter M.

History of Birthstones Chances are you know your birthstone, or the gem that corresponds with the month you were born. For example, November is topaz, and June is pearl. But when did this tradition start? According to the International Gem Society, people in 16 th century Germany or Poland began wearing gemstones associated with their birth months. Fast forward to 1912, when the National Association of Jewelers formalized a list of American birthstones and the months they represent. Red Car Tickets? People often say that red cars get pulled over the most, and some people even avoid buying cars that color because of this rumor! However, a recent report notes that WHITE cars are the vehicle most pulled over by police officers in the US. Why? Because it’ s the most popular color of car (25% of all vehicles in the country are white). Florence Gadbois DRE #01040021 805-701-8410 florence@BchRealEstate.com BchRealEstate.com RE/MAX Gold Coast

What world-famous entertainer was such an animal lover that, at various points, they kept as pets a cheetah, a goat, and a pig?

a) Michael Jackson b) Josephine Baker c) Betty White d) Katherine Hepburn

The answer is b) Josephine Baker. Her cheetah, named Chiquita, was part of her act and sported a diamond-studded collar. So let’s move on to this month’s trivia question.

What non-fruit plant are apples, peaches, cherries, pears, and strawberries all related to? a) lichen b) sunflower c) ivy d) rose

Call us at 805-701-8410 OR Email Florence at florence@BchRealEstate.com And You Could Be One of our Next Winners!

Real Estate Corner…

Q. We’ve been thinking of hiring a REALTOR to list our property. What should we look for in a qualified, experienced agent?

A. Just because someone passed a state licensing examination doesn’t mean they are qualified to handle your needs. All agents are not the same. Here are a few things you should look for in a qualified agent. 1. First, determine if he/she specializes either in your area or type of home. 2. Ask them how they helped clients overcome specific problems they encountered in a past transaction. 3. Ask them specifically what they will do for you if they represent you. They should have a step-by-step plan of action. 4. Ask them how long they’ve practiced real estate, and how many transactions they have under their belt. 5. Ask them about their marketing skills. Most agents are trained to handle transactions and understand the law, but not all of them are trained in effective marketing.

Sue Studebaker DRE 01031968 805-794-5700 Sstudebaker5@gmail.com RE/MAX Gold Coast

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.

Do you have a real estate question you want answered? Feel free to call 805-701-8410. Perhaps we’ll feature your question in our next issue!

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

Florence and Sue’ s ….

Colony MarketWatch ™ Here’s Neighborhood Home Information For The Colony

Active Listings …

Address

Bdrms Baths Sq.Ft $/Sq Ft

Floor Plan

Asking Price

4476 Antigua Way

2

2

1549 561.01

Antigua

$ 869,000

2151 Martinique

2

2

1627 583.28

Capri

$ 949,000

2205 Vina del Mar

3

2.5

2059 $961.15 San Tropez

$1,979,000 $1,265,666

$701.81

Market Average

Active Under Contract …

Address Majorca Majorca

Bdrms

Baths Sq Ft.

Floor Plan

Asking Price

2 2

2 2

1368 Madeira 1368 Madeira

$ 849,000 $ 849,999 $ 849,499

Market Average

Sold Propert ies… (10/01/24 Thru 10/19/2025) Address List $ Sale $

Sq.Ft.

$/sq.ft

Floor Plan

Date Sold

4430 Antigua

$675,000

$640,000

1218

$525.45

Martinique

08/06/25

2053 Majorca

$695,000

$650,000

1217

$634.10

Martinique

08/28/25 08/15/25

1923 Majorca

$695,000

$675,000

1218

$554.19

Martinique

2384 Vina del Mar

$725,000

$715,000

1113

$642.41

Martinique

10/10/25

2216 Martinique

$789,000

$725,000

1459

$496.92

Antigua

08/05/25

1982 San Tropez

$749,888

$740,000

1218

$607.55

Martinique

07/31/25

4695 San Sebastian $774,000

$749,000

1217

$615.45

Martinique

11/21/24 02/07/25 09/08/25 02/07/25

2243 Martinique 2206 Martinique 2105 Martinique 1927 Majorca

$799,888 $785,000 $810,000 $849,000

$775,000 $785,000 $797,000 $835,000

1368 1429 1368 1369

$566.52 $549.34 $582.60 $608.93

Madeira Madeira Madeira Madeira

04/25/25

1972 San Tropez

$899,000

$855,000

1368

$625.00

Madeira

11/12/24 10/17/25

2171 Martinique

$865,000

$843,000

1368

$616.22

Madeira

1947 Majorca 4471 Antigua

$900,000 $899,000

$887,500 $899,000

1627 1627

$545.48 $552.21

Capri Capri

11/12/24

10/15/25

1941 Majorca

$959,000

$900,000

1800

$500.00

Capri

09/29/25

1950 San Tropez

$939,000

$915,000

1550

$590.32

Antigua

02/18/25 06/27/25

2287 Martinique

$949,000

$915,400

1627

$562.63

Capri

4687 San Sebastian

$939,888

$939,000

1807

$520.14

Capri

10/10/24

1925 Majorca

$949,000 $975,000

$949,000 $955,000 $1,015,000

1628 1867 1369

$582.92 $511.52 $741.42

Capri Capri

02/12/25 05/07/25

2107 Martinique

2013 San Sebastian $1,055,888

Madeira

09/10/25

2244 Cannes Sq

$1,349,000

$1,325,000

2360

$561.44

Vina del Mar 08/22/25

1985 San Sebastian $1,395,888

$1.200,000

1550

$774.19

Antigua

10/28/24

4760 San Sebastian $2,025,000

$1,962,500

1766

$1,111.27 Capri

02/25/25

$ 952,792

$ 918,866

$617.39

Market Average

RE/MAX represented buyer, seller or both. Properties as of October 19, 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 floor plans go to: TheColonyatMandalay.com-Floorplans

Florence and Sue’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

Sunset Lane Harbor Blvd 2947 Harbor Sunset Lane 3310 Sunset

$699,000 $749,000 $899,000 $925,000 $975,000

1198 1198 1294 1319 1485

Plan D Plan D

Plan D

T-2

Villa

Market Average

$849,580

Active Under Contract Address List $

Sq.Ft Floor Plan

Harbor Blvd Sunset Lane

$529,000 $849,000

781

Plan A

1135

T-3

Market Average $689,000

Sold Properties (01/01/2025 – 10/20/2025 Address List $ Sold $

Sq ft $/sq.ft

Floor Plan

Date Sold

3019 Harbor

$ 549,000

$ 549,000

781

$702.94

Plan A

03/31/25

3101 Harbor

$ 549,000

$ 532,000

781

$681.17

Plan A

06/12/25

3484 Sunset

$ 695,000

$ 650,000 1135

$572.69

T-3

01/17/25 05/22/25

3064 Sunset 3030 Sunset

$ 689,000 $ 699,000

$ 689,000 1198

$575.13 $755.68

Plan D Plan C

$ 699,000

925

08/05/25

4534 La Brea

$ 724,999

$ 715,000 1135

$629.96

T-3

09/22/25 06/05/25 03/11/25 08/15/25 04/09/25

4540 La Brea 3205 Harbor 3384 Sunset 3550 Sunset 3125 Harbor

$ 825,000 $ 899,000 $ 949,000 $ 924,900 $1,089,000

$ 758,000 1478 $ 865,000 1401 $ 908,000 1475 $ 925,000 1319 $1,050,000 1489

$512.85 $617.42 $615.59 $701.29 $705.17

T-2

Villa Villa Villa Villa

07/17/25

Market Average

$ 781,172 $ 758,181

$642.72

•

Bold: REMAX Represented Buyers, Sellers or Both

The information referenced has been provided by the Ventura County MLS Corporation’s MLS as of October 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