As a native to the Jacksonville area, REALTOR® Christie Radney has experience in all that her city has to offer. Living all of her life in Jacksonville is just part of what qualifies Christie to serve each client's specific needs. Christie has established roots in neighborhoods across Jacksonville, including Mandarin, Ponte Vedra Beach, Jacksonville Beach, Avondale, Riverside, Murray Hill, San Marco, and St. John's County. She proudly calls the Jacksonville Beach area home.
After 15 years in the medical profession, Christie began her real estate career by investing in and rehabilitating distressed properties. Performing most of the labor herself, Christie knew she had found her passion and started small businesses in painting, construction, and landscaping. In 2002, she earned her real estate license, and since then has been working with customers not only to find them a house, but to find them the right home. Her commitment to her customers has inspired her to become a relocation specialist.
Whether you are an investor, a first-time home buyer, a seller, or planning a move to the Jacksonville area, Christie will guide to you with experience, vision, understanding, and dedication.
ATTENTION FIRST TIME HOMEBUYERS:
There are new tax incentives offered to aid in the purchase of your first home! Highlights are listed below. Call me with questions or to begin your home search! Christie Radney 904.962.3049.
The highlights of this federal tax credit are as follows:
The amount of the federal tax credit is for 10% of the cost of the home, up to a maximum credit of $7,500. In essence, this is an interest-free loan that enables consumers to receive a tax credit on a dollar-for-dollar basis on their personal income tax return in the calendar year following the year of closing on their home. They begin paying the tax credit back the year after that and make equal installments during the next 15 years. If the homeowner sells the home at any point during the 15-year payback period, then the remaining amount is recaptured, unless they sell the home at a loss, at which point the balance is forgiven.
e.g., If a home costs $65,000, the allowable credit would be $6,500. If a home costs $120,000, then the allowable credit would be $7,500.
Eligibility is for first-time homebuyers only. In this case, a first-time homebuyer is defined as an individual who has not owned a primary home at any time during the past three years, but who may have done so previously. Although certain income limits do apply, the amount of the credit is the same for all taxpayers, married or single.
Individuals whose Form 1040 filing status is single (or head of household) are eligible for the tax credit if their income is no more than $75,000. Individuals who file a joint return may have no more than $150,000 in income.
Individuals with incomes between $75,001 and 94,999 (single) or $150,001 and $169,999 (joint returns) are eligible for a partial tax credit.
Individuals with incomes greater than $95,000 (single) or $170,000 (joint return) are not eligible for this tax credit.
The federal income credit can be claimed on one’s individual or joint tax return for the purchase of any single-family home between April 9, 2008 through July 1, 2009. Individuals should consult a professional tax advisor for exact tax calculations.
e.g., If an individual’s actual tax liability was $5,000, then after the tax credit is applied the purchaser would receive a total refund of $2,500. The refundable amount is the difference between the $7,500 tax credit and the amount of one’s tax liability.
e.g., If an individual’s actual tax refund was $2,000, then after the tax credit is applied the purchaser would receive a total refund of $9,500.