Melissa Kilgard MN & FL Licensed

Melissa Kilgard MN & FL Licensed Realtor, Interior Designer, Professional Stager, Business owner, Networking, Marketing, Buy, Sell

09/28/2026

Citrus County Delinquencies Rise 1.2% | Opening Doors. Building Futures.
This year, Citrus County saw its serious mortgage delinquency rate rise from nearly 0% to about 1.5%—one of the most notable jumps in county-level data. Why does this matter for homeowners and sellers? When delinquencies rise, it often signals softer home-price conditions, especially after periods of rapid appreciation that leave many with less equity to work with. Thinner equity cushions can limit options for those facing financial stress, whether it’s selling, refinancing, or tapping into home value for relief. Interestingly, researchers have found that shifts in the labor market have an even stronger connection to increasing delinquencies than home prices alone. For those of us keeping a close eye on Citrus County, delinquency trends serve as a crucial early indicator—more of a warning light than a price prediction. That’s why I always recommend watching not just comparable sales and inventory, but also local employment data to understand what’s really happening in our market. As someone who values strategic, relationship-driven guidance, I believe informed decisions are the foundation for resilient homeownership and successful real estate moves.

Florida homebuyers explore emerging housing destinationsWe're seeing a notable shift as Florida homebuyers branch out to...
09/27/2026

Florida homebuyers explore emerging housing destinations
We're seeing a notable shift as Florida homebuyers branch out to cities like Lakeland and Cape Coral. These destinations are drawing attention for their combination of affordability and an improved lifestyle, making them attractive alternatives to the traditional hotspots. There’s a clear uptick in new construction, and thoughtful developer mortgage incentives are helping fuel sustainable growth in these communities. When helping clients navigate their next move, I always look for opportunities that align with their vision and long-term goals—whether that means exploring emerging neighborhoods or leveraging my network to uncover the best options for each unique situation. This approach ensures that every client’s journey is both personalized and rewarding.


https://www.roomvu.com/agent-news/melissa-kilgard-2328945/1970684-Florida-homebuyers-explore-emerging-housing-destinations

Florida Leads in HOA Filings, Highlighting Community ActionHOA and condo-association lien filings are on the rise across...
09/26/2026

Florida Leads in HOA Filings, Highlighting Community Action
HOA and condo-association lien filings are on the rise across the country, and Florida stands out in 2025 with 49,447 filings—over one-sixth of all U.S. cases. This 8.5% uptick is shaped by Florida’s abundance of HOAs, increased insurance costs, and newly enacted safety laws that have brought long-deferred maintenance issues to light. Understanding how these factors influence property ownership is crucial for anyone navigating our state’s real estate market. Building strong relationships and personalized strategies has shown me that anticipating these shifts helps clients make confident decisions in any environment.


https://www.roomvu.com/agent-news/melissa-kilgard-2328945/1942590-Florida-Leads-in-HOA-Filings%2C-Highlighting-Community-Action

09/26/2026

Florida Insurance Rewires Investor Funding | Opening Doors. Building Futures.

New listings hit a four-year highWe're seeing a notable shift in the US housing market—new listings have jumped by 8%, m...
09/25/2026

New listings hit a four-year high
We're seeing a notable shift in the US housing market—new listings have jumped by 8%, marking the highest level since August 2022. Active listings are approaching a balanced state, though pending sales have reached a low point. Meanwhile, mortgage rates have inched up to 6.66%, putting additional pressure on affordability, even as the median price has risen by 2.2%. In moments like these, I focus on leveraging strategic marketing to help buyers and sellers navigate changing dynamics and make informed decisions. My commitment remains: building relationships and guiding clients with tailored strategies, no matter how the market evolves.


https://www.roomvu.com/agent-news/melissa-kilgard-2328945/1967133-New-listings-hit-a-four-year-high

09/24/2026

Florida Luxury Condos Are Rising Across the State | Opening Doors. Building Futures.
Florida’s skyline is being redefined as luxury condo developments take shape across the state, from the east coast to South Florida and the west coast. Many of these projects cater to affluent buyers, with entry prices frequently at $1M or higher—especially in West Palm Beach and Naples, where some residences reach well above that mark. Yet, there’s also exciting movement in markets like Miami and St. Petersburg, where select upscale condos open in the $500Ks or $600Ks, still delivering on exceptional views and premium amenities. With projected completions stretching from 2027 through 2031 in locations such as Daytona Beach Shores, West Palm Beach, Sarasota, and Naples, Florida’s luxury pipeline promises to shape high-end living for years to come. As someone deeply invested in connecting clients to their ideal properties through personalized strategy, I’ve seen firsthand how today’s buyers are more discerning than ever—seeking not just luxury, but the assurance of enduring value and location. Building lasting relationships in this dynamic market is all about understanding these evolving priorities.

09/23/2026

Florida Luxury Condo Pipeline Expands | Opening Doors. Building Futures.
Florida is seeing an impressive surge in luxury condo development, with new towers planned and rising from the east coast to the west, extending into the heart of South Florida. Many of these residences begin at $1 million or more, especially in sought-after locations like West Palm Beach and Naples, while select Miami and St. Petersburg properties present options starting in the $500Ks and $600Ks—still delivering on stunning views and top-tier amenities.

What stands out is how far ahead developers are planning: properties in Daytona Beach Shores, Sarasota, West Palm, and Naples are already targeting completion dates from 2027 through 2031. This long-term vision reflects a market where buyers are increasingly discerning, seeking prime locations and the assurance of lasting value.

Drawing from my experience in strategic marketing and nurturing relationships across state lines, I see this trend as a testament to Florida’s enduring appeal for those seeking luxury, lifestyle, and a wise investment—all coming together in these next-generation condo offerings.

09/22/2026

The best and worst states for first-time home buyer assistance in 2026
Navigating the early stages of homeownership can feel overwhelming, especially when it comes to understanding the financial support available to first-time buyers. Across the country, there's a surprising range in how states offer assistance—some provide generous grants and forgivable loans, while others limit help to repayable aid with stricter terms and varying income limits. For those hoping to take that first step, benefits like student debt relief can make a real difference. My experience working with clients in multiple states has shown me just how much these programs can shape the path to owning a home. Every buyer’s situation is unique, and it’s my goal to ensure you’re aware of the opportunities that best fit your needs as you start this exciting journey.

09/21/2026

Fed Raises Key Rate to 3.75%-4% | Opening Doors. Building Futures.
The Federal Reserve has raised its key rate by 0.25%, bringing it to 3.75%-4%—the first increase since July 2023. As someone who closely monitors how national economic shifts impact local and regional markets, I'm attentive to the Fed’s signals of a possible additional hike this year, especially with inflation still above their 2% target. The next Fed meeting, scheduled for October 27-28, 2026, will be pivotal in shaping the economic landscape and, in turn, influencing real estate decisions for buyers and sellers alike. My approach has always been to translate these broader financial developments into actionable insights so that my clients feel informed and supported as they navigate their real estate journeys. Through thoughtful strategy and a broad-reaching network, I’m committed to ensuring each client’s goals stay front and center, even as the market evolves.

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Tampa, FL

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+16127010349

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