You won’t find my face on a bus bench on McMullen Booth Road or on a billboard on State Road 580—but you will find me deeply rooted in decades of real estate experience (since shoulder pads were a thing). My real estate journey kicked off in March of 1983 when I co-owned a commercial brokerage, managing a team of 35 agents and staff. Our company owned and operated office buildings and shopping centers all across the Tampa Bay area—yes, I’ve walked the walk in both high-rises and strip malls. In 2001, I made the shift to residential real estate, aligning with Coldwell Banker, then joined RE/MAX in 2004, where I spent two decades thriving in a culture that matched my entrepreneurial spirit. Fast-forward to today, I’m proud to be with Blake Real Estate—a respected, locally owned boutique brokerage that values service over splash. Celebrating 33+ years in the biz, I’ve weathered the housing boom, the bust, the Great Recession, a pandemic, and every quirky market shift in between. Through it all, my mission has stayed the same: provide top-notch service, clear communication, and real results. When you work with me, it’s personal. I'm a full-time agent (no part-time dabbling here), and yes—I answer my phone. I'm hands-on, present, and fully invested in your success from start to finish. I’ve sold everything from horse ranches to waterfront estates, celebrity homes to those “what-do-we-do-now?” properties. I love solving problems, navigating unique situations, and getting results. Early to the YouTube scene, I was featured in YouTube for Business by NYT contributor Michael Miller, spotlighted on ABC Action News as a "Featured Agent" and "MLS Expert", and honored to speak internationally on best practices for real estate success. I even developed the CIS Score, a proactive pricing tool to help sellers take charge of their listing strategy. Oh, and I’m proud to be in the RE/MAX Hall of Fame. Bottom line? I'm not flashy—but I am fiercely dedicated, battle-tested, and genuinely committed to help you reach your real estate goals. So, how can I help you today?"

By Adam Dellemonico, Movement Mortgage, Loan Officer/NMLS 1624974, 339-234-2988, adam.dellemonico@movement.com

Nov 2, 2026 - Happy Monday! I hope you had a great Halloween weekend. Mortgage rates continued improving last week, finishing at their lowest levels since late September.

After reaching ~7.625% in early October, top tier 30 year fixed rates have now fallen to just under 7.3%. That's an improvement of more than 0.30% over the past few weeks, which is huge news after the difficult stretch we experienced throughout September.

What's also encouraging is that we've started seeing some stability return to the market. Monday and Tuesday were extremely quiet, with very little movement in rates, something we haven't experienced much of recently.

Wednesday brought another Fed announcement, but interestingly, it had almost no impact on mortgage rates. This is another good example of why the Fed doesn't directly control mortgage rates. The bond market had largely anticipated the decision, and there weren't any significant surprises to change expectations.

The biggest improvements came Thursday and Friday, as concerns surrounding tech companies and AI investments pushed investors toward safer investments like Treasury bonds and mortgage backed securities. There's also growing concern about the enormous amount of corporate borrowing needed to support AI infrastructure. If that borrowing slows, it could reduce some of the competition for investor dollars in the bond market, which would generally be favorable for mortgage rates.

By Friday, rates had improved to their lowest levels in more than five weeks. While the progress is encouraging, much of the recent improvement has been driven by investor sentiment rather than a fundamental shift in inflation or economic conditions. That means we could still see volatility if the market's outlook changes.

That said, we've now had several consecutive weeks of improvement, and rates are in a considerably better position than they were at the beginning of October, and that is worth celebrating. Hopefully, we can continue building on that momentum as we move into the last two months of the year. As always though, time will tell.

I hope you have a great week and win the day!

COMING SOON- 201 Georgia Ave., Crystal Beach

Live in a home where you’ll feel like you are on vacation every day! This decidedly different, custom-built home perched on a gentle rise is an inviting retreat that captures the very essence of Crystal Beach living. "High and Dry" - NO flood worries here! No HOA! Coastal charm, breezy comfort, and a relaxed Florida vibe flow through every inch of this thoughtfully designed property. Spend care-free, sun splashed days lounging in the free form custom pool, complete with a tranquil waterfall. Host memorable alfresco dinners on the spacious deck. Inside, volume ceilings, abundant natural light, and lovely views from every window create an airy, uplifting atmosphere. Plenty of room to roam with three generous-sized bedrooms, two full baths and a huge family room/flex space. The oversized lot is adorned with Florida native landscaping allowing the enjoyment of beauty without the burden. Store bikes and toys in the 8 x 10 Smithbilt shed. No grass to mow means more time for fun. And fun is never far away. Cruise the neighborhood by golf cart. Catch breathtaking sunsets over the gulf at Live Oak Park. Cast a line from the community pier. Bike the scenic 46-mile Pinellas Trail. Explore the Greek heritage of Tarpon Springs, savor fresh seafood in downtown Palm Harbor, or sip your way through the Dunedin vibrant craft brewery scene. Current owner used as a holiday home several times a year and then rented to vacationers the balance of the time.

Monthly Pinellas Market Report

CLICK the image below to view September’s real estate statistics for Pinellas County. Reports are updated around the 22nd of the month for the PREVIOUS month.