I am a realtor in North Florida. I am here to help you make the best decisions for your next move.
08/18/2025
✨ North Florida Market Update ✨
📅 Week of Aug 11–17, 2025
🏡 676 New Listings – fresh homes hitting the market!
📝 1,833 Under Contract – buyers are making strong moves!
🔑 443 Homes Sold – steady closings show real confidence.
⚖️ Whether you’re selling or buying, the market is moving and opportunities are out there. Sellers are seeing strong demand, while buyers still have plenty of new options to choose from.
📲 Ready to make your move? Let’s chat today!
Charliy Steel | Coldwell Banker Vanguard Realty
📞 352-478-5886 | 🌐 www.charliysteel.com
08/18/2025
🍂 Fall is staying warm! 🍁 The Old Farmer’s Almanac predicts above-average temps and less rain for much of the country, so it’s the perfect time to enjoy the outdoors, finish home projects, and get ready for cooler days ahead.
🍂 Gather your loved ones and celebrate the cozy charm of fall! From warm drinks to inviting décor, here's how to host a gathering that feels like autumn magic. ✨🍁
Name a better feeling than an invitation with your name on it. There’s a shared desire in us all to hear the words “You’re invited,” then have something to look forward to. As seasons change and we’re presented with the return of routine, consider fall a challenge—or rather, an invitatio...
08/14/2025
📚🍎 Back to school = time to fuel young minds and tummies! Try these new 55 Back-to-School Recipe Ideas. From 3-Ingredient Mac & Cheese to shark quesadillas, lasagna roll-ups, and colorful kimbap wraps, these easy, kid-approved meals are lunchbox stars. Plus, there are healthy breakfasts, freezer snacks, and even sweet treats to sweeten the day. 🍪 These ideas make mornings stress-free and meals fun. Whether it's protein-packed noodle salads, meatloaf muffins, or peanut butter cookie surprises—there’s something for every kid’s taste. Get the full list and step into the new school year with meal prep confidence!
Easy weeknight meals, make-ahead breakfasts, after-school snacks and even some sweet treats—we’ve rounded up everything you need to ace back to school this year.
08/13/2025
‼️ This is why it’s always important to get pre-approved first 🫶🏻
No one really tells you the real reason to get pre-approved before you start looking at homes.
It’s not just so your Realtor knows you qualify.
It’s so we can fix anything that could slow down or completely derail your loan before you’re under contract.
A lot of buyers think, “I pay $2,200 a month in rent, so I’m good.”
But behind the scenes:
- Bonus or commission income? Lenders average it over two years, even if last month was your best month ever.
- Missing a single W-2 or year-end paystub? We have to stop and chase it down from HR before you can move forward.
- Own a business? Lenders use your tax returns, not your gross sales, and write-offs can shrink your qualifying income fast.
All of that takes time.
And if we’re doing it after you’ve found the home you love, you risk losing it to a buyer who’s already ready.
Pre-approval isn’t busywork.
It's for you to know and understand your numbers and be prepared the second the right home hits the market
Ready to get started I have a few great lenders on my team!!!
3524785886
08/13/2025
Spook up your home in style with Pottery Barn’s chic Halloween decor! From glowing ghosts and terracotta jack-o’-lanterns to plush pillows like Gus the Ghost and Mrs. Bones, their 2025 collection has everything to create a cozy, haunted vibe. These stylish pieces go fast—shop early to snag your faves! 🎃👻🕯️
Set the perfect tone for all the movie nights, costume parties and trick-or-treaters to come with these spine-tingling finds from Pottery Barn.
08/12/2025
Ready to channel your zodiac into your home décor? ✨ Check out these cosmic mood boards on The Best Color to Paint Your Home Based on Your Zodiac Sign! Discover architecture meets-astrology picks like dusty pink for Ta**us, fiery red for Aries, sunny yellow for Gemini, and icy white for Cancer—plus more sign-specific insights. It’s the perfect inspiration to make your space truly you 💫 **usVibes
If you’re ready for a cosmic shift in your space, consider a bit of stargazing. Kristen Chuber, certified color consultant at Paintzen. offers astrologically-inspired new hues — and HGTV.com will help you put them to use.
08/12/2025
So many renters genuinely believe they’ve been priced out of the market...Not because of their finances, but because the media has made homeownership sound impossible. A guy I helped find a rental I hadn’t heard from in a year DM’d me.
He said:
“I’ve just been renting because I figured there’s no way I could afford anything decent.”
We had a quick convo.
✅ He had a stable job
✅ A solid credit score
✅ Some savings
He just didn’t know what his buying power actually was.
I connected him with my lender, and guess what? He’s now pre-approved for $675K and we’re touring this weekend.
Here’s the stat that gets me:
Nearly 40% of renters think they need 20% down to buy when many qualify for as little as 3-5%.
Are you one of those renters that are ready to become buyers.
08/12/2025
So many renters genuinely believe they’ve been priced out of the market...Not because of their finances, but because the media has made homeownership sound impossible!!
I got a call from a previous lead.
He said:
“I’ve just been renting because I figured there’s no way I could afford anything decent.”
We had a quick convo.
✅ He had a stable job
✅ A solid credit score
✅ Some savings
He just didn’t know what his buying power actually was.
I connected him with my lender, and guess what? He’s now pre-approved for $675K and we’re touring this weekend.
Here’s the stat that gets me:
Nearly 40% of renters think they need 20% down to buy when many qualify for as little as 3-5%.
If you’re willing to learn, you’d be shocked at how many renters are ready to become buyers.
08/11/2025
Got sticky or squeaky windows? 🪟 A 5-minute maintenance trick could save you from costly damage later. Skip the WD 40 and reach for a silicone or Teflon-based spray instead—they deliver a thin, water-repelling layer that helps preserve window seals and hardware over time.
Weekend treat, anyone? 🍸❄️ These Frozen Espresso Martinis from The Pioneer Woman are the perfect blend of coffee and cocktail—creamy, chilled, and crave-worthy.
Looking to upgrade your space in 2025? 🏡 Think natural textures, moody tones, smart tech, spa-like baths, and indoor-outdoor flow. This year’s trends focus on comfort, wellness, and function—perfect for modern living. ✨ From biophilic design to flexible spaces and outdoor kitchens, it's all about blending beauty with purpose. What upgrade are you planning next?
Everyone wants to live in a property that they can eventually proudly call their home. However, even move-in-ready homes often are missing that special spark that makes someone feel as comfortable as they should day-to-day. The good news, though, is that there are plenty of professional and DIY home...
Be the first to know and let us send you an email when Charliy Steel CBV Realtor posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.
As a Real Estate Agent, I know the best way to gain your business and trust is to always put myself in your shoes. If it’s important to you, it’s important to me! Whether I am working hard to sell your house or helping you find your dream home, I never forget that YOU are what makes me great. That drive and strong work ethic has worked to my advantage in referrals and repeat customers.
As a North Florida resident for over 20 years, I’ve been blessed to enjoy our beautiful coast and cruising our scenic back roads on my Harley. I call Clay County my home now and it’s where I’ve raised my two children. My daughter Taylor has also blessed me with a sweet grandson, Carter and my son Dalton whom just graduated from our great school system and looks forward to joining our armed forces as a United States Marine.
Recently Dalton and I took a road trip together around the nation. America is beautiful and we experienced so many great places and wonderful people along the way. As amazing as that trip was, we were both happy to be back to the place we call home. Our next trip might be along our nearby A1A Scenic Highway all the way to Key West!
As a founding Member of the Clay County Business Association, I work together with other community leaders, to unite our communities through special events and volunteer opportunities throughout the year. I also volunteer for many other organizations that share a passion for children’s needs in our area, my favorite is Wind Therapy of Northeast Florida.
I will diligently work as YOUR Agent, someone you will want to tell your friends and family about. As a professional, you won’t find a time when I’m not here to help. I return calls quickly, give weekly, and if necessary, daily updates. I know this is one of the biggest decisions you will make and I will work hard to make each transaction a memory you will look back on fondly. I want you to take pride in your new
home, without any of those unexpected surprises.
If you’re ready enjoy your next great adventure after I sell your property, we will work together as a team. I will provide you with all the tools and support you’ll need through Coldwell Banker Vanguard Realty. I will be available for any questions and concerns you may have on this venture. With Coldwell Banker’s nationwide online reach, your home will featured across the Country (and the World) and our expertise in social media will get it the local attention it deserves.
