Florida's Christian Realtor
for the Gulf Coast

Use the home search on this site. It pulls live MLS listings across Pasco, Hillsborough, Pinellas, Manatee, and Sarasota Counties, so you can filter by city, price, beds, baths, and property type in one place. Browsing is free and needs no account.

When you save a home on the search page and add your email, your search becomes a personalized home list. The homes you view and save shape the new listings and alerts you receive, so the list sharpens as you learn what you actually want. Luke can also add homes he thinks fit before they get buried in your inbox.

Luke serves the Gulf Coast corridor from Dade City to Sarasota: Pasco, Hillsborough, Pinellas, Manatee, and Sarasota Counties. That includes Tampa, Brandon, Riverview, Valrico, Wesley Chapel, Land O' Lakes, Zephyrhills, Plant City, Apollo Beach, St. Petersburg, Clearwater, Bradenton, Sarasota, and Venice. See area guides for neighborhood details.

Before your inspection period ends, look up the home's FEMA flood zone, ask whether an elevation certificate exists, ask about past flood or wind claims, and get real homeowners and flood insurance quotes. Homes outside high-risk zones can still flood, and insurance cost can change what a home really costs each month. For older homes, a 4-point inspection and a wind mitigation report are often required by insurers and can lower premiums.

If the home is your permanent residence as of January 1, you can file for homestead with your county property appraiser, usually by March 1. It can reduce your home's taxable value by up to $50,000, and the Save Our Homes cap limits how much your assessed value can rise each year. Florida property tax rules are actively debated in the Legislature, so confirm current figures with your county property appraiser.

Many newer communities in areas like Wesley Chapel, Riverview, Land O' Lakes, and Lakewood Ranch sit inside a Community Development District (CDD). The CDD funds roads, utilities, and amenities through an annual assessment that appears on your property tax bill, often on top of HOA dues. Always ask for the exact CDD amount and payoff terms before you compare homes. See new construction guidance.

Yes. Since August 2024, agents who work with buyers through the MLS need a written agreement with you before touring a home. The agreement spells out what your agent will do and how they are paid, and compensation is negotiable. Luke walks you through it in plain language before you sign anything.