My Ardor Realty

My Ardor Realty Professional Real Estate Services for homes, condos, multi-family properties & land. A portion of fees go towards non-profits in our community you choose.

01/29/2026

Are you a Homeowner or just a Tenant of the State? The Great Tax Double Standard.

Imagine if the IRS sent you a bill every year for the stocks in your 401k that went up in value, even though you haven't sold them. You’d call it crazy. You’d say, "I don't have that cash; it's just paper value right now!"

Many of you, like me, are getting property assessment notifications from local government telling us our homes are worth more and thus we have to pay more property tax.

As this infographic details, there is a massive inconsistency in how our system treats financial capital versus family home.

Why the current property tax assessment system is a bad idea:

🏠 It Taxes "Phantom Income": Austrian economics teaches that value is subjective until a transaction occurs. When the assessor says your house is worth $50k more this year, that isn't cash in your bank account. It’s an estimation, often driven by government-created inflation. Taxing it is seizing fruit before it has even grown.

🏠 It Creates Feudal Tenure: From a Christian Libertarian perspective, true property rights are fundamental ("Thou shalt not steal"). If the state can seize your home because you can't pay an ever-increasing tax on "paper gains," you don't truly own it. You are essentially renting it from the government, returning to a feudal system.

🏠 It Punishes Stewardship: If you improve your home—fixing the roof, adding a porch—you are being a good steward of your property. The state rewards this by raising your assessment and increasing your taxes. It is an economic disincentive to improve your own community.

🏠 It Forces Liquidation: This is the most tragic outcome. Elderly couples on fixed incomes or working families often see their neighborhoods become "trendy." Their home value skyrockets on paper, and their tax bill follows, forcing them to sell the home they built their lives in just to pay the tax man.

We shouldn't be taxed on guesses and inflation. It’s time to rethink a system that treats homeowners like ATMs for the state.

What do you think? Should we move to a system that only taxes realized gains on housing, just like stocks?

01/28/2026

More Than a Paycheck: Why Your Daily Grind is Sacred Duty (And Why the State Shouldn't Mess With It)

We live in a culture obsessed with the "weekend." We celebrate "Hump Day" and endure the "Monday Blues," viewing work as a necessary evil—the punishment we endure to afford our actual lives.

But the Reformed Christian tradition offers a radically different, deeply ennobling
view of your 9-to-5. It’s a view that raises the stakes of your daily labor and, crucially, demands the political freedom to carry it out.
When we look at work through the lens of Scripture—filtered through a commitment to liberty—we find that our jobs aren't just about paying bills. They are about stewardship, dignity, and worship.

Here is the theology of work, from the Garden to the free market. 👇

🛠️ The Genesis Mandate: Work is Pre-Fall

The first thing we must grasp is that work is not a curse.
In Genesis 1:28, before sin entered the world, God gave Adam and Eve the "Creation Mandate": to be fruitful, multiply, subdue the earth, and have dominion over it. God placed Adam in the Garden "to work it and keep it" (Gen 2:15).

God Himself is a worker—a creator, an organizer, a builder. Being made in the Imago Dei (Image of God) means we are designed to be sub-creators. When we take raw materials and turn them into a computer, or take chaotic data and organize it into a spreadsheet, or take an empty room and clean it, we are mimicking God’s creative activity.

Work is our original design. It is good.

🌾 The Reformation Restoration: All Work is "Vocation"

Before the Reformation, there was a sharp divide between the "sacred" (monks, priests) and the "secular" (farmers, merchants). Reformed theologians like Martin Luther and John Calvin smashed that distinction. They argued that all lawful work is a vocatio—a divine calling.

The cobbler doesn’t glorify God just by praying while he works; he glorifies God by making excellent shoes that serve his neighbor well. Your work is the primary way you fulfill the command to "love your neighbor as yourself" in the marketplace. When you provide a valuable good or service through voluntary exchange, you are serving Christ.

You are living Coram Deo—before the face of God—whether you are in the pulpit or plumbing a toilet.

🏛️ The Political Implication: Stewardship Requires Liberty

This is where the Christian Libertarian perspective becomes essential. If work is a divine calling and a sacred duty of stewardship, then political liberty is a theological necessity.

Why? Because you cannot properly steward what you do not own (we own things in the context of other humans, but are stewards of God's property in the context of the human divine relationship).

1. Taxation and the Theft of Labor
The Reformed tradition emphasizes stewardship—that we are accountable to God for how we use our resources. If the State forcibly confiscates 30%, 40%, or 50% of the fruits of your labor through taxation to fund things you morally oppose, it is directly interfering with your stewardship responsibility before God. It is a degradation of your agency.

2. Regulation as a Barrier to Service
If work is how we serve our neighbor, the State often acts as an agonizing barrier to that service. Occupational licensing laws, crony regulations that favor big corporations over small businesses, and endless red tape are not neutral policies. They are shackles on human creativity and barriers preventing people from fulfilling their Cultural Mandate.

3. The Welfare State vs. The Dignity of Work
Because we are designed to work, systems that incentivize idleness are ultimately dehumanizing. A massive welfare state doesn't just create economic stagnation; it creates spiritual atrophy. It robs individuals of the dignity that comes from being a productive bearer of God's image, turning citizens into dependents of the State rather than servants of the King.

The Bottom Line

Your work matters eternally. It is not a meaningless grind. It is worship. It is protection and provision for your family.
But to worship freely, to protect and provide, you need liberty. As Christians, we should champion a free economy not just because it’s more efficient, but because it is the moral framework that best respects the dignity of the worker. We need a system of private property, voluntary exchange, and limited government so that we can answer the call to subdue the earth—accountable ultimately to God, not the government.

Clock in tomorrow with purpose. You are fulfilling the Creation Mandate.

Do you make art a focal point in your home or business? Here’s two pieces I picked up yesterday at an estate sale!
01/23/2026

Do you make art a focal point in your home or business?

Here’s two pieces I picked up yesterday at an estate sale!

Voters/property owners have been lulled into accepting idiocy so long as politicians tell them it’s just the way it is! ...
01/23/2026

Voters/property owners have been lulled into accepting idiocy so long as politicians tell them it’s just the way it is! Idiocracy 2026 style!

Imagine having two identical homes next to each other on the same street built by the same builder in the same year.

Then imagine one of them pays 30% more per year in property taxes.

Both receive the same water, sewer, trash, law-enforcement and fire protection services.

The one that has a tenant in it is the one that has to pay the 30% more in property taxes into their local government coffers. For the exact same services!

Keep this in mind the next time your local government officials talk about their ideas on addressing affordable housing problems. If their solution doesn’t include property tax reform the problem will only get worse!

Surprise surprise! 😉
01/15/2026

Surprise surprise! 😉

Housing prices in the US are officially off the charts. But why is that the case, as it wasn’t that long ago that homes were affordable. Like all other economic

🎯
01/13/2026

🎯

Well isn’t that nice!
01/12/2026

Well isn’t that nice!

Chad Trausch planned a modest addition to his Miami home to make room for family help ahead of a new baby. But when he applied for a permit, the city imposed an unexpected condition: Grant the public rights to half of his front yard in exchange for building in the backyard. Officials asked him to dedicate a 10-by-50-foot strip of land for public use—without compensation—effectively allowing the city to use it for sidewalks or utilities.

“They said in no uncertain terms, if you don't give up this land, you don't get your permit,” Trausch tells Realtor.com.

01/06/2026
11/26/2025

In this time of Thanksgiving I give thanks and prayers to our soldiers, sailors and airmen called to serve others!

“You who are members of the armed forces of the United States find yourselves- as some if us did a generation ago- plunged into a world to which you are strangers. It may have its points, as you will discover someday as you look back upon it. But in the main it is a world of shattered ambitions, frustrated love, haunting fear, and perhaps of hell itself if the heavy burden of killing rests directly on you.

But there is another world which you must keep fresh in memory and aspiration. You have gone out from important sections of that world that others may live in it and that someday you—we hope may be permitted to return to it. It is the world of home father, mother, child —where love abides and waits. It is the world of friendship, in which hands and hearts are joined in quiet friendship. It is a world of nature beautiful, inspiring, majestic with flowers, sunsets, and mountains. It is a world of music and art— the abiding place of beauty. It holds good books and the leisure to read them in store. It has work which one loves to do. It has God waiting at sanctuaries where everything is designed to speak of Him. Allow that world to live in memory and aspiration, that one day it may live in daily experience.

O GOD, help me to live in two worlds at the same time. I would be brave in this grim world of war where I must walk. Help me to play the part of a soldier in it. But help me to live also with the great spirits of the human race-Jesus, Isaiah, and the noble company of the prophets. Give me time for great thoughts which encompass the world. Help me most of all to live with Thee. Amen.” Vere Loper

House values and rent values are correlated! Whether pricing a home to sell or rent out, understanding fair market value...
10/27/2025

House values and rent values are correlated! Whether pricing a home to sell or rent out, understanding fair market value can be invaluable in achieving your real estate goals.

We’d be honored to assist you in achieving your real estate goals! Give us a call or message us to chat!

Positioning your rental property to rent in today’s market requires lots of data analysis. We’d be honored to analyze it...
10/21/2025

Positioning your rental property to rent in today’s market requires lots of data analysis. We’d be honored to analyze it for you to insure your property rents quickly and at a price the market will bear.

Build up to five townhomes on this lot. Great location to Hurlburt Field and points East and West! Example site plan ava...
10/10/2025

Build up to five townhomes on this lot. Great location to Hurlburt Field and points East and West! Example site plan available.

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207 Ferry Road SE
Fort Walton Beach, FL
32548

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