Jan Fritz-Coldwell Banker Schmitt Real Estate

02/13/2026

Investing vs. paying off a mortgage early. Which is wiser? Let's find out!

Jan Fritz, Realtor
Elite Agent
Coldwell Banker Schmitt Real Estate
29967 Overseas Hwy
Big Pine Key, FL 33043
786-368-7413

Should you invest extra cash or use it to pay off your mortgage? It’s a heated debate that rivals French press versus pour-over coffee and “Star Wars” or “Star Trek.” But while all three topics might get passionate believers on both sides all worked up, investing or paying off your mortgag...

02/12/2026

OPEN HOUSE - VALENTINE'S DAY, 11:00 - 1:00pm, Bring your Valentine and check out this gorgeous new listing in Sugarloaf. This property is like having your own LIttle Palm Island. Don't hesitate to reach out with any questions here or at (786) 368-7413. See you Saturday! Bring the checkbook!

Jan Fritz, Realtor
Elite Agent
Coldwell Banker Schmitt Real Estate
29967 Overseas Hwy
Big Pine Key, FL 33043
786-368-7413

02/11/2026

Rate this kitchen from 1 to 10. What do you think? 🤔

Jan Fritz, Realtor
Elite Agent
Coldwell Banker Schmitt Real Estate
29967 Overseas Hwy
Big Pine Key, FL 33043
786-368-7413

02/09/2026

Although energy conservation might not sound as exciting as a luxury bathroom or backyard patio, improving health and comfort while reducing energy bills could help turn your house into a true dream home.

Jan Fritz, Realtor
Elite Agent
Coldwell Banker Schmitt Real Estate
29967 Overseas Hwy
Big Pine Key, FL 33043
786-368-7413

Whether you give a hoot about the environment or not, it could pay to think about energy efficiency when shopping for a home. Newer houses certified by Energy Star — the federal government’s energy-efficiency rating program — use an average of 20% less energy than homes built to the 2009 Inter...

02/08/2026

📍 New Listing 📍 Take a look at this fantastic new property that just hit the market located at 17183 Coral Drive, Sugarloaf. Reach out here or at 786-368-7413, for more information

Jan Fritz, Realtor
Elite Agent
Coldwell Banker Schmitt Real Estate
29967 Overseas Hwy
Big Pine Key, FL 33043
786-368-7413

Nestled within this 280 ft of concrete walled and gated property lies a tropical oasis that epitomizes Keys living. Situated on a huge,12,000 sq ft corner lot that provides an exclusive island vibe with lots of privacy that comes complete with 200' of canal frontage, a 133' concrete dock, a new 1...

02/07/2026

For many first-time buyers, the biggest surprise isn’t the house hunt itself—it’s the hidden costs of homeownership. 🏡💸

Beyond the mortgage, there are things like:
🔑 Closing costs
🔧 Maintenance & repairs
💡 Utilities & property taxes

It all adds up quicker than most expect. Planning ahead for these expenses can make the transition to homeownership much smoother—and a lot less stressful.

What surprised you the most about buying your first home?

Jan Fritz, Realtor
Elite Agent
Coldwell Banker Schmitt Real Estate
29967 Overseas Hwy
Big Pine Key, FL 33043
786-368-7413

02/06/2026

OPEN HOUSE - SUNDAY, 2/8/2026 - 1163 De Lussan Lane!
Stop by and check out this beautiful home in the highly desirable area of Cudjoe Key. 11:00 - 1:00pm time to stop by before the Superbowl! This house checks all the boxes and was just reduced $50,000. Seller is ready to negotiate.
Don't hesitate to reach out with any questions here or at (786) 368-7413.

Jan Fritz, Realtor
Elite Agent
Coldwell Banker Schmitt Real Estate
29967 Overseas Hwy
Big Pine Key, FL 33043
786-368-7413

02/05/2026

Thinking of buying or selling without an agent?
Here are 6 reasons why that could cost you—big time. ⬇️

1️⃣ Pricing Expertise – Agents know how to price your home right (not just based on internet searches).
2️⃣ Market Knowledge – From neighborhoods to interest rate trends, they have the inside scoop.
3️⃣ Skilled Negotiator – You want someone who can fight for your best deal, whether you’re buying or selling.
4️⃣ Handles the Paperwork – Contracts, disclosures, timelines… it’s a lot. A good agent keeps everything on track.
5️⃣ Access to Off-Market Listings – Some of the best homes never hit public sites. Agents know where to look.
6️⃣ Avoid Costly Mistakes – One wrong step could delay your closing or cost thousands—an agent helps you avoid that.

📩 Thinking of making a move? Let’s chat—We're here to help you navigate every step with confidence!



Jan Fritz, Realtor
Elite Agent
Coldwell Banker Schmitt Real Estate
29967 Overseas Hwy
Big Pine Key, FL 33043
786-368-7413

02/05/2026

Great news!

02/04/2026

📍 Reduced Price 📍 This recently reduced home at 1163 De Lussan Lane in Cudjoe won't last long, so, don't wait to set up a showing! Reach out here or at (786) 368-7413 for more information!

Jan Fritz, Realtor
Elite Agent
Coldwell Banker Schmitt Real Estate
29967 Overseas Hwy
Big Pine Key, FL 33043
786-368-7413

Are you dreaming of your own personal paradise? Look no further than this stunning property in the highly sought after Cutthroat Harbor Estates. With features that check off every box on your list, this home is truly a gem. Enjoy the luxury of CBS construction and a spacious 9000 sq. ft. lot. The...

02/03/2026

Wondering what really impacts your home’s value? Here are three of the biggest factors:
1️⃣ Location — Proximity to schools, shopping, parks, and amenities can make a huge difference.
2️⃣ Condition — Well-maintained homes with updated systems (roof, HVAC, plumbing) hold value better.
3️⃣ Market Conditions — Inventory levels, interest rates, and demand in your area all influence value.

Whether you’re thinking about selling or just curious, knowing these factors helps you understand where your home stands. If you want to know how to get the maximum value for your home, get in touch with us! We're here to help.

Jan Fritz, Realtor
Elite Agent
Coldwell Banker Schmitt Real Estate
29967 Overseas Hwy
Big Pine Key, FL 33043
786-368-7413

02/02/2026

FYI - 👍

Good news, homeowners 🎉
The Save Our Homes (SOH) Cap is back with its annual update, and it’s designed to help keep your property taxes from jumping too much each year. The cap limits increases to 3% or the change in CPI, whichever is lower, and the Department of Revenue has released the new numbers.

For 2026:
• The SOH Cap is 2.7%
• The 2nd Homestead Exemption is $26,411, up from $25,722

Even better? Once you qualify for Homestead, the SOH Cap kicks in automatically the following year. No extra paperwork. Just built-in protection.

📞 Questions? 305.292.3420