Daniel Ballentine Florida Realtor

Daniel Ballentine Florida Realtor Daniel Ballentine, Realtor®/CPA Is Central Florida's Premiere Real Estate Agent For Buying, Selling and Investing. Realtor at eXp Realty

This is why DeSantis is the best Governor ever‼️💯‼️
05/13/2026

This is why DeSantis is the best Governor ever‼️💯‼️

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05/06/2026
05/06/2026

Discover your dream family home in Oviedo! This 4 bed, 3 bath beauty has everything you need for comfort and convenience. Enjoy a spacious layout, gourmet kitchen, and a lovely covered porch for outdoor fun. 🌳🏡 What are your favorite things about a family home? . Contact me at 321-348-460 for more information for to schedule a showing.

05/06/2026

Video Tour of 5218 Smokey Water Ln in Oviedo. Discover your dream family home in Oviedo! This 4 bed, 3 bath beauty has everything you need for comfort and convenience. Enjoy a spacious layout, gourmet kitchen, and a lovely covered porch for outdoor fun. 🌳🏡 What are your favorite things about a family home? . Contact me at 321-348-460 for more information for to schedule a showing.

Welcome to 5218 Smokey Water, a meticulously maintained one-story single-family residence situated within the prestigiou...
05/06/2026

Welcome to 5218 Smokey Water, a meticulously maintained one-story single-family residence situated within the prestigious gated community of Oviedo.

This spacious home, featuring four bedrooms and three full bathrooms, is ideal for families seeking comfort, style, and convenience on a 0.20-acre lot. The property also offers flexible multi-family and multi-generational floor plan options.

Upon entering, you will be greeted by a thoughtfully designed triple-split floor plan, providing privacy and functionality. The open concept living area boasts a gourmet kitchen equipped with 42-inch cabinets, gleaming granite countertops, a walk-in pantry, and ample space for both culinary endeavors and entertaining. The formal dining room is complemented by an elegant tray ceiling, creating an inviting atmosphere for gatherings and celebrations.

The expansive master suite serves as a private retreat, complete with dual walk-in closets and a versatile sitting/flex room. Whether you require a gym, nursery, library, or home office, this additional space seamlessly adapts to your needs. The master bathroom features dual vanities, a private toilet room with a linen closet, a soaking garden tub with a separate shower, and two additional full bathrooms, including a dedicated pool bath, ensuring convenience and comfort for all residents.

Indulge in Florida’s favorable climate from your covered porch and fenced backyard, providing an ideal setting for outdoor activities or relaxation in privacy. A newly installed roof (2017) offers peace of mind, while four dedicated parking spaces facilitate effortless hosting of guests.

Located strategically, this exceptional home provides convenient access to the 417, enabling effortless travel to the beach, downtown Orlando, or UCF’s Research Park.

Seize the opportunity to own this remarkable property in an exceptional Oviedo location. Schedule your private tour today by contacting me at 321-348-8460

Homebuyers: Determining AffordabilityThe housing market, previously characterized by limited inventory since the onset o...
05/06/2026

Homebuyers: Determining Affordability

The housing market, previously characterized by limited inventory since the onset of the COVID-19 pandemic in 2020, appears to be experiencing a shift towards increased buyer interest. Key factors influencing this change include debt-to-income ratio, interest rates, and budget considerations.

Key West, Florida — By the third quarter of 2025, the housing market’s trajectory began to change, as indicated by market indicators from Redfin, the National Association of Realtors (NAR), and Homes for Heroes. The number of homes for sale in mid-2025 experienced a 9.4% year-over-year increase. Concurrently, the median existing home price in the United States reached $435,300 in June 2025, marking a 2% increase from the previous year. Price reductions became more prevalent compared to 2024, suggesting a cooling effect in certain market segments.

Despite ongoing affordability concerns, prospective homebuyers may finally be prepared to enter the market. When making such a decision, it is crucial for buyers to assess their financial capacity and determine a comfortable budget for purchasing a home.

Experts recommend that buyers combine lender affordability guidelines with an evaluation of their personal financial situation. These factors can assist individuals in establishing a reliable budget when searching for homes.

Debt-to-Income Ratio (DTI): Lenders employ various parameters to assess a borrower’s creditworthiness, including the calculation of the debt-to-income ratio (DTI). Wells Fargo explains that DTI can be determined by summing all monthly debt payments and dividing them by gross monthly income. This resulting figure is then multiplied by 100 to obtain a percentage. A lower DTI indicates a reduced risk to lenders.

The 28/36 rule is a standard guideline used by many mortgage lenders to determine if an individual can afford a home loan. It involves dividing the monthly housing costs by the gross monthly income and ensuring that the resulting figure does not exceed 28%. Additionally, the total monthly debt payments, including housing, car loans, student loans, credit cards, and homeowners association fees, should not exceed 36% of the gross monthly income.

For instance, if a prospective home buyer earns $10,000 per month, or $120,000 annually, their monthly housing costs should not exceed $2,800. Consequently, their total monthly debt payments, including housing, should not exceed $3,600.

Personal budget considerations are crucial when determining the amount of money a borrower can borrow. While lenders may allow borrowers to borrow a specific amount, it is essential to consider personal spending habits and savings goals to avoid living paycheck to paycheck and having all income allocated to a home. Establishing an emergency fund to cover unexpected expenses such as home repairs or income decline is also advisable. Ongoing costs associated with home management, including utilities and potential renovations, should also be factored in.

The income-to-home price ratio is another general guideline that suggests purchasing a home priced no more than three to five times the annual household income. For example, with an annual income of $100,000, an individual should aim for a home priced between $300,000 and $500,000. The specific range may vary based on existing debt.

Interest rates and other factors are also significant considerations when purchasing a home. The interest rate on home mortgages, along with the down payment, directly impact the total cost of the loan over its life. Resources such as Bankrate and Zillow offer home affordability calculators that incorporate interest rates, loan terms, down payment amounts, and property taxes. Purchasing a home during high-interest rate periods results in increased expenses over the loan’s duration. Additionally, the down payment amount significantly influences the overall cost of the home. Aiming for a 20% down payment eliminates the need for private mortgage insurance (PMI).

05/01/2026

Dreaming of a family-friendly home with a pool? This 4 bed, 3 bath retreat in Oviedo is waiting for you! Enjoy A-rated schools, spacious living, and a backyard oasis. What memories will you create here? 🌞🏊 . Contact me at 321-348-8460 for more information or to schedule a showing.

05/01/2026

Experience waterfront bliss in this 4 bed, 3 bath estate on 0.63 acres with stunning bay views. Embrace sunsets and easy access to water adventures! 🌅🚤

04/30/2026

Discover waterfront living with 4 beds, 3 baths, and stunning views! 🌅 Ready for family fun? . Contact me for more information and to schedule a showing.

Perched on a rare 0.63-acre estate lot along Sunset Drive on the east bank of Turnbull Bay, this refined New Smyrna Beac...
04/30/2026

Perched on a rare 0.63-acre estate lot along Sunset Drive on the east bank of Turnbull Bay, this refined New Smyrna Beach waterfront residence epitomizes the pinnacle of coastal Florida living. It offers direct access to the Intracoastal Waterway and ocean, exceptional fishing opportunities for flounder, snook, redfish, trout, and snapper, and breathtaking sunset vistas that captivate the sky each evening. Constructed from solid concrete block and stucco, the thoughtfully designed home boasts four bedrooms, three bathrooms, formal living and dining rooms, a private office with custom-built-ins, and a four-car attached garage, seamlessly merging elegance with everyday comfort. The first-floor split plan encompasses three bedrooms and two bathrooms, anchored by a serene primary suite featuring two walk-in closets, a recently renovated spa-inspired bathroom with dual vanities and dual shower heads, and private access to the lanai and pool. Upon entering, sweeping bay views cascade through the living spaces into the family room with custom-built-ins and a beautifully updated kitchen that showcases wood cabinetry, granite countertops and backsplash, stainless steel appliances, a gas range, pantry, and expansive water views. The opposite wing offers two guest bedrooms, an updated full bathroom, and a generous laundry room equipped with cabinetry, a utility sink, and exterior access. Upstairs, a versatile fourth bedroom suite with a full bathroom and panoramic bay views—currently utilized as a billiards and fitness room with a pool table—adds a distinctive touch. Outdoor living is elevated by a sprawling covered lanai with a fully appointed outdoor kitchen featuring granite counters, Polywood cabinetry, Blaze stainless gas grill, and a wet bar, all overlooking a screened pool and spa set against the shimmering bay. A private dock with a covered boat lift and floating dock completes the experience, ideal for boating, kayaking, and paddleboarding. Recent enhancements totaling over $300,000 include two air conditioning systems equipped with ultraviolet lights, a newly installed roof (2016), a brand-new water heater (2026), a full-home Generac generator, an expansion to a four-car garage with Shark polyurea-coated floors (15-year warranty), a new Polywood dock and floating dock, a refinished pool and deck, a new outdoor kitchen, and the addition of a third upstairs bathroom. Strategically located just five minutes from historic Canal Street (shopping, dining, farmers market, and art shows) and ten minutes from Flagler Avenue (more dining, shopping, entertainment, and the beaches), this exceptional waterfront retreat offers dramatic sunsets, enduring quality, and an enviable lifestyle at an unexpectedly affordable price—an opportunity that should not be missed.

Address

4509 STONE HEDGE Drive
Orlando, FL
32817

Opening Hours

Monday 9am - 7:30pm
Tuesday 9am - 7:30pm
Wednesday 9am - 7:30pm
Thursday 9am - 7:30pm
Friday 9am - 7:30pm
Saturday 9am - 7:30pm
Sunday 10am - 6:30pm

Telephone

13213488460

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