Kristin Tuttle, Realtor St. Augustine FL

Kristin Tuttle, Realtor St. Augustine FL Helping Buyers, Sellers & Relocating Families Navigate Northeast Florida Some days I’m holding football pads and soccer cleats.

🎉 When Realtor Life Meets Mom Life… THIS is the result! 🏡⚽🏈

Some days I’m holding a For Sale sign. Most days I’m holding all of the above… plus a coffee, my phone, and someone’s water bottle. 😂

Whether I’m negotiating contracts or negotiating who gets the front seat, one thing stays the same: I show up, I get it done, and I do it with a smile. To my fellow boy moms, working moms, and professional multitaskers, I see you! We may be slightly chaotic, but we are VERY in control.

💰 Don't negotiate against yourself.One of the biggest mistakes I see home buyers make is assuming they need to submit th...
08/31/2026

💰 Don't negotiate against yourself.

One of the biggest mistakes I see home buyers make is assuming they need to submit their highest possible offer right away.
In today's more balanced market, that's not always the smartest strategy.

A well-crafted first offer can tell you a lot about the seller:
🏡 Are they motivated?
💵 Will they negotiate on price?
🤝 Are they willing to help with closing costs or buy down your interest rate?

The goal isn't just to buy the home. It's to buy it on the best possible terms.

A smart negotiation strategy can save you thousands on both the purchase price and your overall cost to buy.

Thinking about buying a home in St. Johns County? I'd love to help you build a strategy that puts you in the strongest position.

👇 Have you ever negotiated on a home purchase? Share your experience in the comments!

🏡 The lowest price doesn't always mean the lowest cost.A home with a higher purchase price could actually save you money...
08/28/2026

🏡 The lowest price doesn't always mean the lowest cost.

A home with a higher purchase price could actually save you money every month thanks to lower taxes, lower insurance, fewer HOA/CDD fees, newer systems, and less maintenance.
Before you make an offer, look beyond the list price and compare the total cost of ownership. That one step could save you thousands over the life of your home.

💬 Which would you choose: the $400,000 home or the $420,000 home if the more expensive one had a lower monthly payment?

📩 Thinking about buying in St. Johns County? I'd be happy to help you compare the true cost of owning different homes before you make your decision.


🏡 Did you know you may be able to negotiate a LOWER interest rate without your lender changing their rates?Many buyers f...
08/28/2026

🏡 Did you know you may be able to negotiate a LOWER interest rate without your lender changing their rates?

Many buyers focus only on the purchase price, but one of the smartest negotiations can happen with your financing.
In today's market, sellers may be willing to contribute toward:

✔️ Temporary or permanent interest rate buydowns
✔️ Closing costs
✔️ Prepaid expenses

Sometimes, negotiating a rate buydown can lower your monthly payment more than negotiating a lower purchase price.

The best real estate deals aren't always about paying less. They're about paying smarter.
If you're thinking about buying a home in St. Johns County, let's build a strategy that helps you keep more money in your pocket.

👇 Before today, did you know sellers could help buy down your interest rate? Let me know in the comments!

🌅 One county. Two unforgettable views. 🌅Did you know that St. Johns County is one of the few places in Florida where you...
08/27/2026

🌅 One county. Two unforgettable views. 🌅

Did you know that St. Johns County is one of the few places in Florida where you can watch the **sunrise over the Atlantic Ocean** and then catch an incredible **sunset over the St. Johns River or the Intracoastal Waterway**—all without leaving the county?

It's just another reason so many of us love calling this place home. ❤️

🌊 Sunrise at the beach.
🌅 Sunset by the river.
✨ The perfect Florida day.

Have you done both in the same day? Tell me your favorite sunrise or sunset spot in St. Johns County! ⬇️

🏡 **SAME $500K PRICE. VERY DIFFERENT MONTHLY PAYMENT. 👀**This is something I wish more homebuyers knew before they start...
08/26/2026

🏡 **SAME $500K PRICE. VERY DIFFERENT MONTHLY PAYMENT. 👀**

This is something I wish more homebuyers knew before they started comparing homes in St. Johns County.

Two homes can both be listed for **$500,000**, but that DOES NOT mean they'll cost the same every month.

Your actual cost of owning the home can include:

🏠 Mortgage
💰 Property taxes
🌴 HOA fees
📍 CDD fees
🛡️ Homeowners insurance
🌊 Flood insurance, when applicable

Those numbers can vary significantly from one neighborhood to another.

That's why I tell buyers: **Don't just compare home prices. Compare the total monthly cost.**

Sometimes the home that looks more expensive on paper can actually be the better financial fit.

📌 **SAVE this before you start house hunting.**
📲 **SHARE it with someone planning to buy.**
💬 Thinking about buying in St. Augustine or St. Johns County? Let's talk about what the numbers actually look like.

Follow for more local real estate tips buyers don't always hear about.

💰 **Think you know what your monthly mortgage payment will be? Think again.**One of the biggest surprises for homebuyers...
08/26/2026

💰 **Think you know what your monthly mortgage payment will be? Think again.**

One of the biggest surprises for homebuyers is that the purchase price is only part of the equation.

Your monthly payment may also include:
🏡 Property taxes
🛡️ Homeowners insurance
🏘️ HOA & CDD fees
🌊 Flood insurance (if required)
📋 PMI (if your down payment is less than 20%)

That means **two homes with the exact same purchase price could have monthly payments that differ by hundreds of dollars.**

Before you fall in love with a home, make sure you know the *true* monthly cost so there are no surprises after closing.

Thinking about buying in St. Johns County? I'd be happy to help you compare your options and estimate the real monthly payment before you make an offer.

👇 Have you ever been surprised by the actual monthly cost of owning a home? Share your experience in the comments!

🌊 Did you know you can dive into history right here in St. Augustine? 🤿Just offshore lies the Storm Wreck, a 19th-centur...
08/25/2026

🌊 Did you know you can dive into history right here in St. Augustine? 🤿

Just offshore lies the Storm Wreck, a 19th-century sailing ship that's now part of Florida's Underwater Archaeological Preserve. Beneath the Atlantic Ocean, divers can explore the remains of a ship that has become a living piece of local history.

From centuries-old forts to hidden treasures beneath the waves, St. Augustine is full of surprises waiting to be discovered.

💬 Would you dive the Storm Wreck, or are you keeping your feet on dry land? Let us know below!

Address

100 Southpark Boulevard, Suite 201
Saint Augustine, FL
32086

Telephone

+19048667796

Website

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