Mini Floridian Remodel

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The Moose

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22,849 posts

209 months

Monday 24th August 2020
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We’re currently about 2/3rds of the way through a mini remodel of our home here in SW Florida.

If anyone is interested, I’ll post a bit of a back story and some info on the remodel. For the time being, I’m enjoying my morning tea in my office:

The Moose

Original Poster:

22,849 posts

209 months

Monday 24th August 2020
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Ok - let's give this a go. I'll write the backstory in chunks as I look after kids, animals, wife etc. I’d have liked to have got around to this thread a little earlier, however time has been pretty lacking for a number of reasons.

My wife and I (and our English cat, Jake), had the opportunity to relocate from Beaconsfield to the USA at the beginning of 2017. I have had a love affair with SW Florida for pretty much as long as I could remember and soon after meeting my (then-to-be) wife, I introduced her and she fell for it too!

I left my wife (and the cat!) in England and made the move on my own with my wife due to follow 6 weeks later. I stayed at a family home here, but had a little less than 4 weeks to find somewhere for us to live. There was no chance of buying a place in that time so I looked for rented. I worked (and still do work) from home so needed a minimum of 3 beds but ideally 4 to give us some flexibility. I found a great little rental 3 bed + den that I signed up for a year and we set about creating a new life for ourselves here.

Side bar - to be a bedroom here, it has to have a closet. A "den" can be a bedroom without a closest.

It was a great little house and we enjoyed living there a lot. Move on a year and the owner of the home we were living in decided he wanted to sell. He listed the property at quite an expensive price so fortunately for us, we had a long time to set about finding somewhere new to live. Our search took us 12 months, almost to the day, however after 2 or 3 failed attempts to buy other properties, in early October 2018 I stumbled across something that looked too good to be true. It was a little over 3,000sqft, 4 beds 4 baths, on the water with 4 car garaging at a sensible price (although still over out budget). Looking at the price, it had been listed for a lot more than we were looking for but in October they dropped the price just within what we were looking at but still over our budget.

The Moose

Original Poster:

22,849 posts

209 months

Monday 24th August 2020
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Here are some photos from the listing - when we looked around it, there was stuff absolutely everywhere. Fortunately, we have some imagination so could see past a lot of it. One closet off the master bathroom we couldn’t even get in!









The Moose

Original Poster:

22,849 posts

209 months

Monday 24th August 2020
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Upon further investigation, it turns out the seller was in foreclosure. Very sad story really - our understanding was her husband got diagnosed with cancer and died in a very short period of time. He was the main breadwinner and I guess didn’t have life insurance. She was unable to meet the financial demands of running and maintaining the property. It also appears that she had been taken advantage of by every “professional” she had met. Her daughter and her family moved in to try to save the sinking ship but ultimately they couldn’t make it work and the bank were foreclosing.

Side bar - here in the US, when the banks foreclose on a property, it ends up being sold at the courthouse in the county the property is in at an informal auction. The date was set for December 27th 2018 (from memory).

In early October we put in an offer of our max purchase price (but still 15% under their new asking). It was a long shot as they had come down in price a lot and it wasn’t outrageously priced, however we had a max budget but were cash buyers and could move as fast as the legals could be done (a lot quicker here than in the UK). Anyway, we never heard back.

Another side bar - here, as a seller, if you don’t accept or counter within a set period of time, the offer dies.

It turns out they had 2 further, better offers that they were pursuing but they never came to fruition for whatever reason. By this stage, we also had a 100lb labrador and my wife was pregnant with our first child.

We had a holiday planned to come back to England for Christmas leaving mid-December coming back new year’s day. I remember, to this day, sitting on our couch in the rental, having agreed to be gone by the middle of January. It was a Sunday evening, around 9:30pm and we were watching some garbage on the TV while searching other properties to rent as we had about a month when an e-mail arrived. It turns out that they had countered our offer at only a little more than we had offered 2 months prior. I read through the contract and the only issue was they wanted to close the day we were planning on leaving for the UK.

Later, we were to find out that one of the other offers they had fell apart as he couldn’t get his boat in the slip and the other couldn’t secure financing. Both were supposedly $100k more than we offered.

Right - feeding time at the zoo plus gotta walk the kids. More later.

The Moose

Original Poster:

22,849 posts

209 months

Monday 24th August 2020
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Marlin45 said:
^^^^ Definitely more interested than double glazing in Streatham wink
Possibly a little warmer...although not recently I hear!

The Moose

Original Poster:

22,849 posts

209 months

Monday 24th August 2020
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Polite M135 driver said:
I have never seen a fridge with panelled doors like that before.
It was all the rage in 1998! Super high end. That fridge and panels would have been somewhere around $15k back in 1998.

The Moose

Original Poster:

22,849 posts

209 months

Monday 24th August 2020
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Within about 30 seconds, we decided that this was it! The following morning, we signed the contract and I set my crack legal team onto the case. You’ll remember, we were meant to close on the day we were leaving for the UK. Unfortunately, this didn’t happen in the end. What ended up happening was numerous delays due to her lenders and lawyers (it turns out there were multiple loans secured against the home).

I remember sitting in the rental, maybe an hour before we were due to go to the airport wondering whether we should stay, should I stay but send my heavily pregnant wife or should we both go and just get on with it. It looked more and more like we wouldn’t close on the house due to the legal situation and unravelling what was a heck of a mess!

As I touched on earlier, if the lenders had forced the issue instead of dealing with us, the house was to be sold at a county courthouse auction. I actually attended the 2 prior auctions to see how the game is played. An auction would have been no problem for us…and quite frankly, we would probably have ended up with a better deal. However you have to make payment of 10% of the sale price immediately at close of the auction (cash or cashiers check only) and then 28 days to close. The auction was while we were due to be away and you have to attend in person.

As we were due to leave, I had a brainwave - I dragged my pregnant wife up to the lawyer’s office (she loved that!!) to have prepared and sign about 6 different POAs that would allow him to act on our behalf each tailored to a different situation that could have occurred.

The auction was scheduled for December 27th at 9am.

I pushed and pushed my legal team into getting this closed, while managing the deal from abroad.

I guess the start of this thread gives it away a bit, but we ended up closing at about 4:30pm on the 26th - less than 1 business hour before the auction was scheduled. We were still in the UK.

We arrived back on Jan 1st 2019 to find out what we’d really bought and to devise a plan to add value (I can’t help myself).

The Moose

Original Poster:

22,849 posts

209 months

Monday 24th August 2020
quotequote all
Ace-T said:
The Moose said:
It was all the rage in 1998! Super high end. That fridge and panels would have been somewhere around $15k back in 1998.
Is that kitchen solid wood? Eminently paintable surely? Or have you done that already?

Looking forward to seeing more!
It is solid wood, yes. It's also stained not painted which is nice because you can see the grain through.


We went back and forth on the kitchen about a hundred times. We felt that if we painted the kitchen it would be a shame to lose the grain and we'd end up going a color which then wouldn't match with the floor. I really didn't want to re-tile 2,000sqft of floor...especially as I know what we would have picked and it would have been a natural stone which is thicker causing all manor of issues all around. The color has also grown on us and ties in with the floor and the granite super well. Oh, and it photographs better if you're actually competent (which I don't think the person who took those other photos was!). In the end decided we would keep it as is and just do appliances instead. The budget thanks us for this decision hehe

The kitchen is nearly done - new fridge and dishwasher in. Stainless oven is in my garage ready to be installed too. New downdraft extractor is on backorder so will go in some time next month.

The Moose

Original Poster:

22,849 posts

209 months

Monday 24th August 2020
quotequote all
We were both really quite excited and as we drove back from the airport, we couldn’t help but taking a small detour and checking out the new place. I was surprised to find the previous owner still emptying the house of crap (I’ve never seen so much stuff come out of a 3,000sqft space…even a warehouse!). While I was a bit annoyed (at closing, everything left conveyed to us), at least they were moving crap that we were going to have to probably pay to get rid of. It turns out they still had the code to open the garage door and had gone in that way.

Anyway, I made it clear that this was to be their last visit and booked my guy to change all the locks and codes the next morning. Good thing I did as I know they came back at least 1 more time.

The first thing we did was to drag everything out of the house and into the garage. Clearly my wife at 7 months pregnant did the most work bringing my tea and beer! We then decided to have a garage sale. 2 day bonanza over a weekend - everything must go.

Was actually a really fun weekend. The locals all coming out to meet the new foreign weirdos - Harley, my lab, running around so excited and loving all the attention. As it was all tat we didn’t want, we had loads of fun with it - teasing the buyers “I can’t believe you’re taking food off my unborn daughter’s plate…well her bottle” etc etc. Ended up making $800 - probably the most entertaining and satisfying $800 I’ve ever made!! hehe Everything else got donated to various charities.

After the house was empty, we then set about looking at what we had actually bought!

The good:
  • 4 car garage
  • after Irma in 2017 it had a new roof in 2018
  • large rooms and open spaces without being completely open plan
  • layout worked well for us - 2 bedroom suites downstairs, master and 4th smaller bedroom (now nursery) upstairs
  • long water view - the house is at the end of a canal which for some people is a negative, however we love the view we get from our main living areas and master bedroom
  • the ‘bones’ of the house were good and built sound
  • 1998 build - modern enough to be concrete block built and not have some plumbing issues that the older homes have
  • we really like the neighborhood and we are not the cheapest home but far from the most expensive in the neighborhood
The bad:
  • due to her financial difficulties, over the last few years, nothing had been kept on top of - there was a lot of little stuff that needed attention
  • that big-ass fridge didn’t work properly…and we didn’t find out until we lost a load of food from the freezer
  • none of the windows or doors were impact resistant. What this means is you need shutters or some form of protection for big storms. It didn’t have shutters for some reason either which meant the place was pretty exposed in the event of a big storm.
  • the lawn was not grass - all weeds. It’s expensive to water the lawn and she’d turned it off to avoid paying for the water
  • the master bathroom while huge (bigger than any of my entire flats at uni) was really quite dated. It was reasonably functional but had some issues
The ugly:
  • We liked the overall look of the house…other than those horrendous bands that were around all the windows. They are polystyrene coated with a very thin layer of (essentially) concrete and then glued to the walls. I don’t know when exactly they were added, I don’t think they were original, but they looked terrible. We had to come up with a plan to get rid of them
Edited by The Moose on Monday 24th August 14:41

The Moose

Original Poster:

22,849 posts

209 months

Monday 24th August 2020
quotequote all
jimmyjimjim said:
Who TF paints a room pepto-bismul pink, FFS...
I guess you bought from the same people I did?!?!

The Moose

Original Poster:

22,849 posts

209 months

Monday 24th August 2020
quotequote all
While moving house with a rather pregnant wife, plus being too tight to employ a company to do it for us, clearly I moved everything! Over the first couple of months we came up with a plan for the house as well as my wife ‘nesting’, then having the baby etc.

The plan broadly consisted of:
1. Set budget
2. New windows and doors
3. Paint outside
4. Spend whatever budget was left on the inside

The high level list we had was as follows:

Outside
1. Windows and doors ($50k yikes )
2. Fix the bands problem and paint whole house
3. New lawn
4. New gutters - when they did the roof they didn’t change. Also the gutters were smaller than they should be for the size of roof that was feeding into them

Inside
5. Touch up paint throughout - we liked most of the colors however one room was bright pink!
6. New master bathroom
7. Modernize kitchen
8. Modernize rest of bathrooms with non-brass fittings
9. Lots of sundry other items like changing fans etc etc etc

The Moose

Original Poster:

22,849 posts

209 months

Monday 24th August 2020
quotequote all
geeks said:
Superb thread Moose! Always day dream while looking at Zillow about moving to the US, which is weird considering I have never set foot in the place!
Thank you. If nothing else, come for a visit!!

The Moose

Original Poster:

22,849 posts

209 months

Monday 24th August 2020
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h0b0 said:
It was February 1st 2015 when you first emailed me to say you were thinking of making the jump over to the US. I see it you have managed to grab hold of your own slice of the American dream.
So it was! My wife was not my wife but my girlfriend at that time. We had started to seriously thing about the move. I've just gone and found our e-mails on the topic. Lol. A lot has changed in those five and a half years! Once again, thank you for your time - also to Matt H who spent some time with me also. Hopefully I can pay it forward like you guys did!

h0b0 said:
Some interesting facts about US houses could come up, including that they are all 240v and not 120 as most think. 240v enters the panel on 2 x 120v legs. Take a look at the panel and it will be rated for 240v as that’s used for some AC and pool equipment.
The previous owner had a sunbed, an RV hookup and a bunch of other stuff, but almost everything throughout the house is 120V. We aren't doing anything that invasive so may be beyond the ultimate scope of this thread!

The Moose

Original Poster:

22,849 posts

209 months

Monday 24th August 2020
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paulguitar said:
What are the property taxes like in FL, Moose?
There are a huge number of variables to this answer...and it all changes when a transaction occurs. It also depends on what part of the state you are in and there are potentially multiple different charging 'areas'. Where I am, you can work on the basis of around 1% of the value of the home each year. We got a reasonable deal buying the house so ended up a little above this amount.

You can also get discounts on your property tax for all sorts of different things - it's quite a formula!

paulguitar said:
I spend a lot of time in the states, one of the things I find very frustrating is that everything seems to cost a lot more than expected due to endless taxes being added on.
Yes - that is frustrating, but you get used to it. The earliest one for me was when I first bought a set of tires. They started at a little under $55 per tire but ended at over $85 (but I did buy a dumb warranty at $9 per tire which paid out on 3 of them so was worth it!).

I think it's like with most things in life, once you learn how to play the game, you're good.

We're seriously moving off topic here, but the single biggest difference I've found between the UK and the US is the fact that you have basically no consumer protection here. You have to read every line of the contract and not rely on the fact that your interests will be looked after by overall legislation.

The Moose

Original Poster:

22,849 posts

209 months

Monday 24th August 2020
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PushedDover said:
The Moose said:
The previous owner had a sunbed, an RV hookup and a bunch of other stuff, but almost everything throughout the house is 120V. We aren't doing anything that invasive so may be beyond the ultimate scope of this thread!
Sunbed in Florida is an Ice to the Eskimos moment surely ?


Looks Good OP.
Any Mozzies / Flying critters being next to the canal ?
Believe it or not, but people in my part of Florida lose their tan in the summer - people find it too hot to go outside for long periods of time. Walking is quite a big thing here and in the summer people will just go to the indoor malls and walk up and down the length of them! I'm not a tanning kinda guy, but I generally get darker in the winter as we do so much more outside and don't tend to cream up much.

We get a few bugs, but it's not too bad. Our island is surrounded by salt water plus they spray for mosquitos (from light aircraft/helicopters). I haven't been bitten here on the island for quite a long time. If you venture into the everglades at all, however, you'll get eaten alive in the summer. The dog park is next to a brackish lake which can get bad with big 'noseeums' or 'seeums' as I call them. They don't really hurt - just annoying.

The Moose

Original Poster:

22,849 posts

209 months

Monday 24th August 2020
quotequote all
We planned on starting the work in early 2020. Everything hinged off the replacement of the windows and doors. I wasn’t going to paint the outside of the house before the windows were done as they’d then damage the stucco (render) and the new paint. I also couldn’t do much inside for similar reasons.

In the second half of 2019 I set about finding a contractor for the windows and doors. I nearly signed a contract with a guy who seemed really good. However when it came to actually sign the document, my gut said it just wasn’t right. I can’t say what exactly it was but there was something wrong. It was hard not to go through it as I’d invested a lot of time with this guy but I decided to pull out and instead find someone else. The product we ended up choosing was actually a Colombian window and door system. What really sold me on this product was that our largest sliding door opening is 10ft tall by 12ft wide. These guys could do this door system in a 2 panel, with thin sight-lines were everyone else wanted to do 3 panel with thicker sight-lines. They still meet the hurricane portions of code here. Longer lead time as they are made in Colombia and shipped in a container but worth the wait! They were due to arrive and be installed in April (when my wife was pregnant again with our second), however COVID really slowed everything up.

The plan was for the majority of the work inside to be completed by the time the baby came. That way, we could focus on the exterior of the house and be comfortable in our space. Due to the COVID delays, things all got scheduled for my wife’s due date. Wonderful!! Clearly that wasn’t going to work. So instead of putting the work off again, we decided we were going to rent for 2 months and just suck up the 2 moves. Fortunately, we were offered our family member’s place again which was such a blessing (also much nicer than our house!!) - especially as it meant I didn’t have to spend a but-load of money on a rental. The only downside was that the cat and the dog weren’t welcome (allergies - understandable of course). So my lab is off having the time of his life being hunt trained and the cat went to a fancy cat hotel place…for 70 nights!

I also had to find somewhere for 3 motorcycles, 2 cars, a pickup and some other crap because the deal I made with the window guys was that they could use the garage as storage and for staging.

So my 26 windows, 2 sets of sliding doors, double front door and 3 other doors all turned up on a truck when I was taking my wife to a pregnancy checkup appointment. I was pissed I didn’t get to oversee the unloading as it would have made for some better photos and a more sensible arrangement in the garage, but what can you do?!

The contractor’s time frame for the windows, doors and refinishing was 6 weeks. I allowed 8 weeks and we ended up being out of the house for 10 (just moved back in the last couple of days).

During that 8 week period, my plan (roughly in order of priorty) was to:

1. windows & doors
2. master bathroom remodel
3. kitchen appliances + kitchen cabinet touchups
4. all internal paint
5. all minor electrical work - a few fans, replacing fluorescent tubes for LED tubes etc
6. rest of plumbing throughout the house (new kitchen tap, garbage disposal, taps in other bathrooms etc)
7. other minor sundry items

Essentially the 2 largest projects were the windows/doors and the master bathroom. I thought the master bathroom would be easy and the windows/doors would be the nightmare…how wrong was I?!

The Moose

Original Poster:

22,849 posts

209 months

Wednesday 26th August 2020
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Matt Harper said:
Interesting and enjoyable read - your story-telling skills are highly impressive.

It looks like you have spent/are spending a gigantic amount of money - that would freak me out a bit.

I'm very obviously at a different stage in my life - I didn't move to FL until I was in my early 40's and have been here almost 20 years now. Just me and my wife and a geriatric and generic Floridian mutt.

My house is probably half the size of yours - around 2000ft split ranch with 3 bedrooms and two baths with a double garage and a big pool - but the neighborhood I live in (it's on a chain of lakes) makes it quite expensive from a property tax perspective.

Consequently, the upgrades I've made have been largely self-done. I'm reasonably handy so have done everything except counter-tops, HVAC upgrade and a hurricane ravaged roof. There is almost nothing, other than the basic shell of this place that I haven't torn out, modified or enhanced. Permits? We don't need no stinkin' permits.

Windows and doors have been my biggest upgrade and the materials cost around $18k, but I saved at least $10k by installing them myself (4 sets of double doors and 10 standard size double-glazed, hurricane-coded windows).

I also just resurfaced my pool, which was a new challenge for me - I hired a crew of no-speakies to put the mud on, but I did everything else - horrible job, but saved a ton of cash, in the process.

I'm really looking forward to hearing more on this project - so please keep going with the updates, it's a very engaging read.
Glad you're enjoying it! We are spending quite a bit of dosh, yes. In for a penny and all that. Hopefully we'll see a good return when we look to sell...

If/when we do sell, I'll update this thread...assuming we make some good money. If I loose my ass, I'll probably let it slip away into PH obscurity.

Do y'all have a big HOA bill as well as the property tax? Or is it reasonable in your community?

To be honest with you, I admire your ability to tear crap out and put it all back together again. I'm not very good at all that...and even worse with a paint brush. I probably could do it if my life depended on it, but it'd take me many times longer than it should and I'd probably end up electrocuting myself while changing a faucet.

You can try to do stuff around here without permits but you get done in about 20 minutes so it's just not worth it. I'll talk more about the permitting process in a couple of posts time, probably.

The Moose

Original Poster:

22,849 posts

209 months

Wednesday 26th August 2020
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h0b0 said:
Without wishing to take us too far off topic, how long is a piece of string? And my follow up, what’s the ball park cost for a salt water pool of good quality in Florida? Some of the numbers I hear in NJ are insane. I assume we are just paying through the nose up here compared to the South.
I have no idea. Salt water pool is too fancy for me! Just bring me my man once a week to service the pool and I'm happy. For $105 a month, why would I bother to learn. Terrible attitude I know. That includes cleaning out the filters and all that other good stuff - ok if you're 2 wrinklies who take a dip with a G&T every couple of weeks. With us, my lab spends at least 10 hours a week in the pool, I'm sure my daughter makes good use of her leaky swim diaper and goodness only know what else - all helps with the immune system, right? yikes

I don't see why a salt water pool should be much more expensive than a "normal" pool to install - I thought I had heard that you can convert for about $2k. Next time I see my man, I forget which day he turns up, I'll ask him what the cost to convert mine to a salty jobbie.

The Moose

Original Poster:

22,849 posts

209 months

Wednesday 26th August 2020
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Clearly I'm going to jump around a bit so please don't moan about continuity errors!

Today we had our new oven installed:

My wife was over the moon and said she was gunna cook a cracking dinner in the new oven and then I'd get the good sexy time tonight.

Obviously what she meant was a couple of slices of garlic bread and I'd get the good sexy time...if it wasn't for two kids under 18 months old and us both being knackered. At least the garlic bread was great hehe

ETA: old oven:


Edited by The Moose on Wednesday 26th August 04:00


Edited by The Moose on Wednesday 26th August 11:58

The Moose

Original Poster:

22,849 posts

209 months

Wednesday 26th August 2020
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0. Project Planning

This ended up being the longest part of the whole thing, mainly due to COVID-19.

Me explaining the plan to the cute one...and my daughter:

Clearly, Harley wasn't that interested:


We came up with a project budget, and I planned to stick to it (and I still do!!). Let's see how this all goes.