Your Lot or Ours Pinellas County

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Mick McKenzie owner of American Housing BuildersYour Lot or Ours Pinellas County. American Housing Builders has been building new homes, on “Your Lot or Ours” for over 25 years in Pinellas County and Tampa Bay area.

My name is Mick McKenzie, and I am president and owner of American Housing Builders II, Inc. I am a third generation home builder and I have been building quality homes at affordable prices since 1978, and whew, that’s a long time ago.

Today, because of the personal attention we give and the dedicated teamwork we provide, we continue to build a great home at an affordable price. We deliver the best possible customer service and we provide the finest customer satisfaction as we can to our valued customers. And let me tell you, we do appreciate our valued customers.

American Housing Builders is known throughout the various communities within the Tampa Bay area as a quality builder. We are known for our exceptional integrity because we provide our customers with an exceptional product.

We treat every customer like they are family and we try and to build every home to suit each family’s lifestyle. From concept to completion, our homes are designed and built to fit individual budgets, while at the same time, we provide a home that a customers will be proud of for years to come.

Currently, we have several homes under construction that are available to purchase, and we have many available building lots that are ready to build on.

So, if you would like more information on our beautiful new homes and our available lots, please contact Jim Pelosi, sales manager for American Housing, at 727-546-6611 or call him directly on his cell at 727-458-6296. Thank you for stopping by, we look forward to serving you.

Frequently Asked Questions

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question1. What is an escrow?
Very simply defined, an escrow is a contractual arrangement in which a third party receives and disburses money with the disbursement of funds dependent on conditions agreed to and met by the transacting parties.

2. How does assessed value differ from appraised value?
Assessed Value is a value placed on a property by a public tax assessor for the purposes of taxation. Your property taxes will be based on this value.

Appraised Value is the value placed on a property by an appraiser, recognized for experience in a particular field. Lenders, such as banks and mortgage companies use this value for lending.
3. What is Private Mortgage Insurance (PMI)?
Private Mortgage Insurance is an insurance policy used as a protection for lenders against borrower default. It is paid for by the borrower and usually required when the down payment is less than 20% of the purchase price. Most lenders will make this part of the monthly payment.

4. Does American Housing work with Realtors?
Absolutely. We are very Realtor friendly and have an ongoing Realtor program that many Realtors appreciate. Realtors should register their clients on their first visit to our Model, Office or Design Center.
5. Do I need a Realtor?
You do not need a Realtor to purchase an American Housing home.
6. How are my property taxes figured and how much will I have to pay?
Taxes are usually based on assessed value of the home and the millage rate of the municipality that the property is located in. A title company can usually give you an estimate on that.

7. What insurances will I need and how much will I have to pay?
You will need homeowner’s insurance. You can usually get a quote from any reputable insurance company.

8. What is Homestead Exemption and how does it work?
Florida’s Homestead Exemption is one of the most protective property provisions in the country. This provision applies automatically upon purchasing a primary residence in the State of Florida, but to reap the tax assessment benefits it must be claimed by a filing with the state. When someone owns property and makes it his or her permanent residence, the property owner may be eligible to receive a homestead exemption of the first $25,000 of the assessed value, which applies to all property taxes. However, this exemption can be lost if the homeowner abandons use of the homestead as a primary residence. For more detailed information, contact your local Property Appraiser’s office.

9. What is the advantage of investing in a new home rather than an existing home?
There are many advantages when you invest in a new home; these are just a couple;

• American Housing new homes come with a limited 10 year structural warranty!
• You can usually save money on you home owners insurance!
• Ease of maintenance can save you lots of money!
• American Housing new homes are much more energy efficient!
• Healthier materials are now being used in all American Housing new homes!
• American Housing homes are built with stronger protection against storms.
• American Housing new homes are built for more comfort with better insulation.
• Remember, in a New American Housing Home, everything is new from the Foundation to the Roof, to the Landscaping!