Kinsey Haddock PA - Coldwell Banker Realty - PCB

09/24/2026

Who you surround yourself with matters 🍊 Protect your energy. Spend more time with people who lift you up and less time with people who pull you down.

09/19/2026

Florida's SB 4-D requires condo associations to complete a Structural Integrity Reserve Study (SIRS) and fund reserves. Learn what it means for buyers on the Emerald Coast.

09/19/2026

Complete guide to Panama City Beach flood zones — VE, AE, and Zone X explained, flood insurance costs, condo HOA master policies, and what to verify before buying in PCB.

09/18/2026

https://www.emeraldcoastbuyersguide.com/vacation-rental-roi-calculator

Calculate your estimated vacation rental ROI for Panama City Beach, 30A, and Destin properties. Enter purchase price, rental income, and expenses to see cap rate, cash-on-cash return, and annual cash flow.

09/16/2026

MORTGAGE & RATE NEWS (the big one today)

- Fed decides TODAY (Sept 16, 2pm ET):

CME FedWatch has ~92% odds of a 25bp RATE HIKE — the first Fed hike since July 2023. Driven by hot inflation/CPI data and manufacturing strength pushing the 10-yr Treasury near 5%.

- Rates have already moved in anticipation: 30-yr conforming ~7.22-7.28% (up ~20bp in two weeks), 30-yr jumbo ~7.47%, FHA ~6.86%, 15-yr ~6.82%. Earlier this year some borrowers saw 5.75%.

- Good news for buyers hiding in this: one lender noted "houses are sitting longer, fewer people bidding over asking" — more negotiating room despite higher rates. Also note: a Fed hike doesn't automatically mean mortgage rates rise further (they often move on investor/bond sentiment more than the Fed's actual move) — worth flagging to rate-sensitive buyers rather than assuming the worst.

09/16/2026

https://kinseyhaddock.com/vacation-rental-investing

Short-term rental investor guide for Panama City Beach, 30A, and Destin: revenue and occupancy benchmarks, county licensing and lodging taxes, DSCR and condotel financing, STR-friendly buildings, and management costs.

09/12/2026

✅Click here now to SUBSCRIBE to 30A's YouTube channel: http://b...

09/04/2026

https://emeraldcoastbuyersguide.com/blog/kinsey-haddock-experience-florida-realtor

Meet Kinsey Haddock P.A.: 16 years in Florida real estate, 100+ transactions, $50M+ sales volume, and broker-level experience across the Emerald Coast.

09/01/2026

https://claude.ai/code/artifact/91ebee50-f7d9-4e2f-bd63-206666ff5d9f

Why kinseyhaddock.com and Kinsey Haddock's Coldwell Banker Panhandle real estate business earn buyer trust — track record, reviews, resource guides, and area coverage.