Lakefront Luxury Home for Sale in Downtown Windermere

836 Main Street, Windermere, FL 34786

– Built on 2011
– Square Footage: 14,057 Total / 9,850 Heated
– 6 Bedrooms / 7 Baths / 3 half-baths
– Plus 2 Offices, Media, Game & Fitness Rooms, Cellar, Elevator and so much more!
– Sales Price: $3,350,000

836 main street windermere

Magnificent lakefront estate on Lake Butler, one of the 11 lakes of the Butler Chain of Lakes, considered one of Florida’s most sought-after areas of lakefront property. Feel right at home as you enter through the front doors of this 3-story French Provincial mansion and be welcome by the stunning lake views, which can also be admired through many rooms in the home, including the family room and master bedroom. The exquisite kitchen boasts brick arched ceiling, outstanding appliances and meticulous details. Home also features media, game and exercise rooms, an in-law suite, two offices, cellar space, elevator and much more. Its lower level garage can accommodate as many as seven cars. This estate is only a few steps away from cozy boutiques, eateries, town activities and recreation. The affluent, yet quaint, Town of Windermere is nestled between the Disney theme parks and Orlando. Its sense of community embraces its residents and small town living charms its visitors. Must see to appreciate. Room measurements are approximate.

>> Click here to read the Listing Details

>> Click here to view Virtual Tour

Please contact Irma Yapor for more information or to schedule a private showing at 407-909-8000 or info@yapor.com.

Flood Insurance in Florida

By Israel Alvarez
 

If you live outside of a high-risk flood zone and think you don’t need flood insurance, think again. Nearly 25% of all flood claims happen in low-moderate risk areas. For most of us our home is our most valuable investment, where we keep our most precious possessions. If a flood damages your home or contents don’t be left to pick up the financial pieces alone, protect your family with federal flood insurance.

Preferred Risk Policies offer lower premiums for homes, residential buildings and even condo unit owners located in the low to moderate risk flood zones (B, C, or X zones). The average flood claim amounts to $33,000 while the premium for a residential Preferred Risk Policy is not more than $458 a year.

What is a Flood?

  1. A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is your property) from:
    • overflow of inland or tidal waters;
    • unusual and rapid accumulation or runoff of surface waters from any source; or
    • mudflow.
  2. Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined in 1.A. above. (National Flood Insurance Program)

Know your flood risk:

  • Flood risk for each building is set by FEMA on flood zone maps in the National Flood Insurance Program (NFIP).
  • Flood insurance is required by lenders to protect homes in high risk flood zones. In low-moderate risk flood zones informed owners often choose to purchase flood insurance with preferred risk (discounted) rates.
  • There remains a 1 in 4 chance your home may be damaged by flood, even if you are mapped into the low-moderate risk flood zone.
  • Common causes of flooding include: tropical storms, rapid rainfall, spring snowmelt, changing weather patterns, clogged rainwater systems and new building development.

Two Types of Flood Insurance Coverage:

  1. Building Property, up to $250,000
  2. Personal Property (Contents), up to $100,000
    .

What is Covered by Flood Insurance?

Building
Property Coverage

Personal
Property Coverage

What is
NOT Covered

The insured building and its foundation Personal belongings such as clothing, furniture, and electronic equipment Damage caused by moisture, mildew, or mold that could have been avoided by the property owner
The electrical and plumbing systems Curtains Currency, precious metals, and valuable papers such as stock certificates
Central air-conditioning equipment, furnaces, and water heaters Portable and window air conditioners Property and belongings outside of a building such as trees, plants, wells, septic systems, walks, decks, patios, fences, seawalls, hot tubs, and swimming pools
Refrigerators, cooking stoves, and built-in appliances such as dishwashers Portable microwave ovens and portable dishwashers Living expenses such as temporary housing
Permanently installed carpeting over an unfinished floor Carpets not included in building coverage Financial losses caused by business interruption or loss of use of insured property
Permanently installed paneling, wallboard, bookcases, and cabinets Clothes washers and dryers Most self-propelled vehicles such as cars, including their parts
Window blinds Food freezers and the food in them
A detached garage (up to 10 percent of Building Property coverage); detached buildings (other than detached garages) require a separate Building Property policy Certain valuable items such as original artwork and furs (up to $2,500)
Debris removal
 
Israel Alvarez is a Licensed Insurance Agent with Accurate Insurance Group. For more information you may contact him at 407-377-0425 or ialvarez@accurateinsgroup.com.

Sinkhole vs Catastrophic Ground Cover Collapse

By Israel Alvarez
 

What Every Floridian Should Know!

Florida has more sinkholes than any other state in the nation. Florida law requires authorized insurers to cover “catastrophic ground cover collapse,” but damage caused by a sinkhole may not be covered by your policy. That’s because the law defines catastrophic ground cover collapse differently from sinkholes.

Florida law defines a sinkhole as “a land form created by subsidence of soil, sediment, or rock as underlying strata are dissolved by groundwater. A sinkhole may form by collapse into subterranean voids created by dissolution (the dissolving) of limestone or dolostone or by the subsidence as these strata are dissolved.”

sinkhole

Catastrophic Ground Cover Collapse

Catastrophic Ground Cover Collapse is defined as a geological activity that results in all of the following:

  1. The abrupt collapse of the ground cover;
  2. A depression in the ground cover clearly visible to the naked eye;
  3. Structural damage to the building including the foundation; and
  4. The insured structure being condemned and ordered to be vacated by the government agency authorized by law to issue such an order for that structure.

This means that if your home is damaged by sinkhole activity, but does not meet all four criteria for catastrophic ground cover collapse – for instance, you may have foundation cracks, but the home is still livable – your insurance may not pay for the damage if you do not have sinkhole coverage.

All insurance companies licensed to do business must offer sinkhole coverage, usually as an addendum or rider to an existing policy, and for an additional premium charge.

Israel Alvarez is a Licensed Insurance Agent with Accurate Insurance Group. For more information you may contact him at 407-377-0425 or ialvarez@accurateinsgroup.com.

Windermere Gazette – Spring 2013 Issue

The Spring 2013 issue of the Town of Windermere Gazette has been published.

This issue includes information about events, such as the Farmer’s Market, Food Truck Nights, 5k Run, Elders Luncheon and Women’s Self Defense Seminar, as well as Town news.

Pick up your copy at our Irma G. Yapor office on Main Street, or view it online using the link below:

>>>  Click Here to View the Windermere Gazette – Spring 2013 issue