Charles Rutenberg Realty / The Schmidt Home Team

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Charles Rutenberg Realty / The Schmidt Home Team John and Debbie Schmidt have over 40 years of combined experience in real estate. Looking for someone to help you navigate the waters of real estate?

Let us assist you with buying or selling your home, negotiating a short sale, selling a distressed property or simply helping you investigate your options. Look no further! We are here to assist you at a pace that suits your needs and on your schedule. Whether you want to know what your house is REALLY worth, if you should buy or continue to rent, or just want to know what your options are for whatever your situation; we are here to help. We provide fun, friendly answers for every stage of your home needs and hope to educate you on the options so you can make a confident and informed decision. John Schmidt has a M.S. in Fire Safety Management. He has lived in the Tampa Bay area for over 43 years. He grew up working for his father, a general contractor and builder. John brings a wealth of knowledge to the table not only in terms of construction, but all aspects of how the real estate market has evolved over the past 40 years in the Tampa Bay area. Debbie has a M.B.A. in Global Management and Marketing, as well as her degree from the Graduate Realtor Institute (GRI) and her Pricing Strategy Analyst (PSA) certification. She and has been active in real estate for over 30 years, both in Florida and Colorado; including residential sales, new home construction and sales, and commercial development. She grew up in the Tampa Bay area and has seen the changes that have taken place over the years. She has the experience and expertise to help you market your home to assure an expedient sale.

Congratulations to my buyers on becoming homeowners for the first time.  I feel honored that you put your trust in me to...
10/20/2026

Congratulations to my buyers on becoming homeowners for the first time. I feel honored that you put your trust in me to guide you through this process. The hard work and planning you put in, really paid off.
Want some options for creative financing and negotiating in this market? Let's talk.

More homes are hitting the market, but the pace of sales is still slower than last year. Buyers aren’t jumping in as qui...
10/17/2026

More homes are hitting the market, but the pace of sales is still slower than last year. Buyers aren’t jumping in as quickly, and the reason is simple: payments and closing costs.

A year ago, the average 30‑year fixed rate was 6.27%. Today it’s closer to 7.40%. On a $400,000 loan, that difference adds roughly $300 a month to the payment — from $2,468 to $2,770.
That’s a meaningful shift in affordability.

So yes, you may see more listings. But the real question is:
Which of those homes make sense for your budget at today’s rate?

Before you fall in love with a property, make sure your financing estimate is current and that we’re looking at homes that truly fit your payment comfort zone. More inventory doesn’t automatically mean more options — not if the numbers don’t line up.

If you want help understanding your real choices in this market, reach out to me for personalized guidance and some genuine "creative thinking" that can get you into the home of your dreams.

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SOLD! 🎉  There’s something extra special about helping a repeat client find their next dream home. Watching their journe...
10/15/2026

SOLD! 🎉
There’s something extra special about helping a repeat client find their next dream home. Watching their journey come full circle — from the first set of keys to this new chapter — is such a privilege.

Thank you for trusting me again to guide you through the process. Your confidence means the world, and I’m so excited for the memories you’ll make in your beautiful new home!

Here’s to new beginnings, familiar faces, and homes that feel just right. 🏠💛

Honoring Columbus Day  Today we celebrate the spirit of exploration — the same spirit that inspires so many to discover ...
10/12/2026

Honoring Columbus Day
Today we celebrate the spirit of exploration — the same spirit that inspires so many to discover a new place to call home.

Whether you're searching for your first home, upgrading to fit your lifestyle, or exploring investment opportunities, I’m here to help you navigate the journey with confidence and clarity.

✨ Here’s to new beginnings, new horizons, and finding the home that feels just right.
Happy Columbus Day!

It matters who you choose. Let me help you shorten the search for your next home or get your home priced right to sell. ...
10/08/2026

It matters who you choose. Let me help you shorten the search for your next home or get your home priced right to sell. Message me with how I can help you, and let's get you started on your way to success.

PSL season is here! And what better reason to grab a cozy coffee with your favorite real estate agent? Whether you’re cu...
10/07/2026

PSL season is here! And what better reason to grab a cozy coffee with your favorite real estate agent? Whether you’re curious about the market, dreaming of your next home, or just in it for the latte art, give me a call to set up a meeting!

I find this fascinating.  What are your thoughts on this article, or just decluttering in general? Post one of your "rul...
10/03/2026

I find this fascinating. What are your thoughts on this article, or just decluttering in general? Post one of your "rules or must do's" in the comments below.

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https://tinyurl.com/zuywzbtc

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Clearwater, FL
33764

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