09/02/2021 ISSUE 35

Your Vero Beach Newsweekly ™ Vero Beach 32963 / September 2, 2021 51

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52 Vero Beach 32963 / September 2, 2021 Your Vero Beach Newsweekly ™

PETS

Bonz becomes big fan of Blanche at first glance

Hi Dog Buddies! duty. (In the Air Force, jobs are called and popped up onto her back legs, Blanche.
Duty, but it’s way different than yours an then began twirling around an
Blanche Hammer is a Really Cute, Very, my Duty. Also, WE only hafta go out in around, an NOT falling on her ka- PHOTO BY KAILA JONES
Very Bouncy Mini Poo, with short Super the yard, but MOM had to go to Turkey.) zoo like I’m positive I would have
Curly hair the color of an APPER-cot. She That’s when Glammy Lora said I could under similar circumstances. “See, See?” She broke into a Very Wide
came zoomin’ up to me an my assistant, stay here.” I’m a bal-uh-REE-na,” she said. Smile. Sure enough, she did have very
an didn’t stop bouncin’ long enough for sparkly, white teeth.
the Wag-an-Sniff. “Crispy Biscuits, Miss Blanche!” I ex- “Pawsome!” I exclaimed.
claimed. “You’re, like, a Pooch-of-the- “We have lotsa stuffies in that big “I buh-leeve in good oral hi-jean,”
“Hi! Hi! Hello! Come IN! Sit over World. I bet you got to fly, right?” basket,” She pointed. “Mostly I just Blanche stated solemnly.
THERE. I just hadda sham-POO. Aren’t like to push the basket around. I’ve
I nice an FLUFFY? I wanted to look My “Oh, sure. It’s no biggie. I travel on mili- haven’t really met other pooches, Heading home, I was wonderin’ what
Best for the pickshur!” tary planes. Easy peasy. Plus, I’ve met so so far. It’s just me an Fancy, mostly. it’d be like being a Pooch-of-the-World.
many different kinds of humans an fel- Glammy Lora takes us on Leash Never knowin’ where I’d hang my hat
“Miss Blanche, I presume,” I got in, low puppers in my world travels, I pretty Walks. Well, I walk onna leash.” next. Ad-ven-churs around every corner.
edgewise. “A pleasure.” much get along with everybody. I guess I Fancy innerjected. “I’m too Truth is, the farthest I’ve ever traveled
AM a Pooch-of-the-World.” wobbly for leash walks, so Glam- was to here from my breeder in Jupiter
“Yep. It’s ME, Blanche. I’m s’pose to my Lora carries me in a comfy when I was a pupper. Anyway, thinkin’
innerduce my much older sister, Fancy. “How was it when you first came here?” little thingy she calls a Papoose. about my Cozy Easy Chair an my evening
She’s 98 in Human.” “It was just this May. I was a little de- I can see stuff, an I don’t get all dish of yoghurt, I reelize I’m totally happy
pressed at first, missin’ my Mom, but pooped out.” where I am.
Blanche nodded to a liddle gold-an- now I’m havin’ fun. An I know Mom’ll “Yeah, I’ve been tryin’ to get
white terrier with short hair, sittin’ onna be back, an we’ll go off to other bases an Glammy Lora to let me ride in it but I’m The BonzTill next time,
chair. She flashed a small smile. more Cool Kibbles ad-VEN-churs. I’d al- too Wiggly,” Blanche admitted.
ready met Glammy Lora when she visited “WAAY too wiggly,” Fancy agreed. Don’t Be Shy
“Delighted, Miss Fancy,” I nodded. us in Vegas. Not Fancy, though at first, “We both love ridin’ in the car,” Blanche
“An THIS my Mom’s mom, Glammy Fancy was a liddle, ummm, grumpy. No continued. “We get all strapped in for We are always looking for pets
Lora. I’m stayin’ with her an Fancy cuz offense, Fancy.” SAFETY. We ride down to Palm Beach with interesting stories.
my ackshull Mom, Doctor Patricia, is sta- Fancy perked up her sailboat ears. “I a lot when Glammy Lora goes there for
tioned in Turkey, which is really far away. was. It’s true. I hadn’t been well, I was BIZZ-ness. To set up an interview, email
An, buh-leeve it or not, they don’t al- all creaky. Could hardly walk. But the “When she hasta travel an we can’t go, [email protected].
low dogs on The Base. (That’s where she funny thing was, this ram-BUNK-shus we stay with Ant Anita. She doesn’t have a
works.) I think it’s cuz they’re afraid we’d liddle muffin kept bouncin’, and jumpin’ dog so she loves to spoil us. An we love it
scare the turkeys.” and tryin’ to get me to play an, finally, I too, of course.”
“So, your Mom’s in the Service. That’s started gettin’ up an movin’ more (a lid- “What do you ladies like to eat?”
Cool Kibbles!” dle more) on my own. An now I feel much “Glammy Lora cooks us duh-li-shus
“I KNOW! Right? Mom’s in the Air better. Still slow, but I’m havin’ ackshull sammun with rice, or chiggen with
Force, that’s planes an stuff. She’s a flite FUN. An, when Blanche gets a liddle too rice an peas, mixed with kibbles,” said
ser-juhn. She makes her fellow humans bouncy for me, I just go to my Room (it’s a Blanche. “We get all natch-rull treats.
all better.” cozy liddle kennel.). We ’specially like the really smelly ones,
“Woof, I bet you’ve had lotsa adven- Flippin’ another page in my notebook, which I think Glammy Lora wishes we
tures!” I asked, “What’s your day like?” didn’t.”
“I have! Like, I was born in Japan. Mom “I’m really bouncy, an curious, you “You both are so well groomed,” I ob-
was stationed onna base there when might’ve noticed,” Blanche said. served. “Who’s your stylist?”
she ’dopted me as a pupper. When I was Since she’d just been nosing around in “Ackshully, Glammy Lora is. She’s a
about a year, she got stationed in a big The Satchel (an had discovered the treats pruh-FESH-unnal. That’s why we look so
sparkly place called Las VAY-gus. There therein, and received one from my as- beautiful. An we smell good, too. Also,”
were more colored lights all over the sistant -- Fancy got one, too, of course), I Blanche added, “Glammy Lora brushes
place than you’ve EVER SEEN! WAY ex- HAD noticed that she was both bouncy my teeth every night, just like Mom does.
citing! The Base wasn’t like that, tho. The an curious.
humans were Much More Serious. “I can DANCE,” Blanche announced,
“Anyway, pretty soon Mom got her next

Your Vero Beach Newsweekly ™ Vero Beach 32963 / September 2, 2021 53

ARTIST GALLERIES

Hours are as noted and/or by appointment. Koman Fine Art GALLERIES ELSEWHERE

BEACHSIDE GALLERIES 2905 Cardinal Drive. Barbara Krupp Fine Art Studio/Gallery
772-231-4500 or 772-473-1646 4315 U.S. 1. 440-574-4662
J.M. Stringer Gallery of Fine Art Instagram: komanfineart Closed June 1 through Sept. 30
2465 Ocean Drive. 772-231-3900 Hours: 10 a.m. to 4 p.m. Wed. to Sat. Website: barbarakrupp.com
Website: jmstringergallery.com Collection of living artists, from realism to Resident Artist: Barbara Krupp, original acrylic
Hours: 11 a.m. to 6 p.m. Tues. to Sat. abstraction paintings
Exhibit: Summer Sojourns – at Home & Abroad
Working artists, antique paintings, furnishings, Raw Space The Rowe Gallery
sculptures, object d’art and private collections 1795 Old Dixie Hwy. 772-410-9126 46 Royal Palm Pointe. 302-521-4175
Website: artconceptalternative.org Website: therowegallery.com
Laughing Dog Gallery Hours: 3 p.m. to 6 p.m. Wed. to Fri.; 11 a.m. to Hours through Nov. 10 a.m. to 5 p.m. Wed. to
2910 Cardinal Drive. 772-234-6711 2 p.m. Sat. Sat.
Website: thelaughingdoggallery.com Resident Artist: Lori Rowe, contemporary im-
Hours: 10 a.m. to 5 p.m. Tues. to Sat. Artists Guild Gallery pressionism and realism
Contemporary American craftsmen, including the 1974 14th Avenue. 772-299-1234
Treasure Coast’s largest collection of art glass Website: artistsguildgalleryofverobeach.com Mary Jane (Vance) Grant
Hours: 11 a.m. to 3 p.m. Tues. to Fri., and 11
Meghan Candler Gallery a.m. to 3 p.m. monthly on first Sat. “MJ” or “Ami” to those who loved her most,
6160 Hwy. A1A at the Village Shops. 772-234-8811 Artist Owners: Sue Dinenno, Barbara Glover, passed away peacefully at home on August, 20,
Website: meghancandlergallery.com Sherry Haaland, Judy Mercer, Dawn Mill, Patri- 2021, with her daughter by her side.
Hours: 10 a.m. to 5 p.m. Tues. to Sat. cia Padoll, Judy Rixom, Fran San Miguel and Rita Born September 18, 1943 in Columbus,
Curated paintings and sculpture by more than Ziegler Ohio, she moved to New York City “forty-five
40 contemporary artists Associate Artists: Johnson Hagood and Mimmo minutes” after graduating from The Ohio State
Amelio University. She loved her career in fashion as
Ocean Drive Gallery a buyer for Bloomingdale’s until her parents
3349 Ocean Drive, Suite 8, 2nd Floor. Gallery 14 convinced her to move to Boca Raton to open
772-579-7667 1911 14th Avenue. 772-562-5525 a luxury children’s boutique.
Website: oceandrivegalleryverobeach.com Website: gallery14verobeach.com She married Gene Grant and they had two children together, Jennifer and
Closed until Sept. 8 or for an appointment call Hours: By appointment Aug. and Sept. Open for Peter. Mary Jane resided in Boca Raton and Delray Beach before moving to
Andrea Lazar, 772-915-9962 Sept. 2 Gallery Stroll Vero Beach in 2007.
Gallery Artists: Elise Geary, Andrea Lazar, Gail Exhibit thru Sept. 10: Summer Squared: An In- She enjoyed traveling the world and ultimately settled in Martha’s Vineyard
Fayerweather and Sherrie Petermann vitational of Great Proportions as her summer residence for the past 27 years. At the Edgartown Yacht
Partner Artists: Lila Blakeslee, Barbara du Pont, Club, she treasured serving on Race Committee keeping the time for many
Palm House Gallery & Studio Beth-Anne Fairchild, Mary Ann Hall, Barbara a regatta and particularly enjoyed the thrill of the 12 Meters races.
3227 Ocean Drive (2nd floor). 772-231-6816 Landry, George Pillorgé, Deborah Morrell Po- Known for her love of the arts and as a selfless volunteer for many causes
Website: palmhousegallery.com lackwich and Dorothy Napp Schindel near and dear to her heart, MJ led a life of giving and for many years served
Gallery Artists: Wendy Douglas, Dede Gilbert, as Treasurer for the Palm Beach County Community Foundation.
Rick Kelly, Madeline Long, Suzy Mellott, Jack Main Street Vero Beach Studios & Gallery One of her biggest devotions was to Riverside Theatre. She relished being a
Staley, Barbara Tiffany and Emily Tremml 2036 14th Avenue, Suite 103. 772-643-6782 Patron Producer and every step of production from auditions in New York
Website: mainstreetverobeach.org City and getting to know the cast to watching their performances develop
Steve Diossy Marine Art Gallery Hours: 10 a.m. to 3 p.m., Mon. to Fri. and enjoying every show at least three times. MJ especially loved sharing
3247 Ocean Drive. 772-205 2973 September Guest Artist: Katherine Larson her passion with her family and friends.
Website: stevediossy.com Resident Artists: Barbara Sharp and Clair Bru- MJ loved to be around interesting people - she delighted in her numerous
Hours: 11 a.m. to 6 p.m. Tues to Fri., 10 a.m. to netti book clubs, red wine, water aerobics and the wide assortment of friendships
6 p.m. Sat., noon to 5 p.m. Sun. that grew from her wit and joie de vivre.
Artwork by the designer of Florida’s ‘Protect Vero Beach Art Club Annex & Gallery Her greatest joy in life was undoubtedly spending time with her daughter,
Wild Dolphins’ license plates 1903 14th Avenue. 772-217-3345 Jennifer, and granddaughters, Avery and Millicent. She was a constant
Website: verobeachartclub.org source of love and support. Ami never missed an event, knew all of their
HISTORIC DOWNTOWN ARTS DISTRICT GALLERIES Hours: 11 a.m. to 3 p.m. Tues. to Sat. friends and teachers, and passed on immeasurable wisdom to “her girls.”
All are open during 5 p.m. to 8 p.m. First Friday Summer Exhibit: Big, Bold & Beautiful Mary Jane is survived by her daughter, Jennifer Grant, granddaughters,
Gallery Strolls Avery and Millicent Critchfield, and son, Peter Grant.

A celebration of life will be held at a later date. In lieu of flowers, the
family requests that memorials may be made on her behalf to her beloved

Riverside Theatre.

Condolences may be shared online at www.millenniumcremationservice.com.

54 Vero Beach 32963 / September 2, 2021 Your Vero Beach Newsweekly ™

CALENDAR

ONGOING to charity, competition begins at 9 a.m. with certs 5:30 p.m. to 9 p.m.; free but tickets re- 18 Inaugural River Raft Regatta: All
award ceremony 6 p.m. at Walking Tree Brew- quired. 772-231-6990 Hands on Deck, 12 Noon at Captain
Check with organizations directly for up- ery. 772-360-7166. Register at liveheats.com/ Hiram’s to benefit United Against Poverty, with
dates/cancellations. events/5758 17-19 Pirate and Caribbean Festival 4-person teams competing in a water course in
at Riverside Park, 2 p.m. to 6 rafts built from 100 percent recyclable materi-
Vero Beach Museum of Art: A Tribute to 10|11 Riverside Theatre Comedy p.m. Fri; 10 a.m. to 6 p.m. Sat; 10 a.m. to 4 p.m. als. 772-770-0740 x 204
Christo and Jeanne-Claude: Selections from the Zone, 7 p.m. and 9 p.m. on Sun, with living history pirate encampments, tales
Tom Golden Collection through Sept. 5. Free the Waxlax Stage. $20. Live on the Loop con- and weapon demos, live entertainment, kids’ trea- 18 Golf Tournament to benefit Wom-
admission to U.S. military personnel and their certs 5:30 p.m. to 9 p.m.; free but tickets re- sure hunts, vendors, food and beverages. Free; $2 en’s Refuge, 1:30 p.m. shotgun start
families through Sept. 6. 772-231-0707 quired. 772-231-6990 “buck-n-ear” suggested. Verobeachpiratefest.com (range opens at 12:30 p.m.) at Bent Pine Golf
Club. $150. Womensrefugevb.org
First Friday Gallery Strolls in Downtown Vero 11 Tunnel to Towers 5K Run & Walk Vero 18 Out Run Hunger 5K to benefit Trea-
Beach Arts District, monthly from 5 p.m. to 8 p.m. Beach, 7:30 a.m. at Riverside Park to sure Coast Food Bank, which serves 18 Autumn Jazz Concert presented by
honor the 2,977 individuals lost on Sept. 11, the tri-county area, 7 a.m. at Causeway Cove Have Piano will Duel, 4 p.m. at First
SEPTEMBER 2001, including 343 FDNY firefighters and 63 Marina in Fort Pierce, to support Hunger Action Presbyterian Church, featuring local music stu-
law enforcement officers, to support Tunnel Month. Stophunger.org dents Mason Farrow on drums, bassist Pat Gor-
4 Mulligan’s Skim Jam, hosted by shore to Towers Foundation programs, which first re- don, guitarist Luke Larabie, and Tanner Goulet
lb., billed as the largest one-day skim sponders and military personnel. Tunnel2tow- 18 International Coastal Cleanup Day, on sax, accompanied by music director Jacob
competition, with professional and amateur ers.org 9 a.m. to 11 a.m. at Riverside Park Craig on piano and Paul McCall on trumpet. $10
riders of all levels showing off their skill and hosted by Coastal Connections, Environmen- suggested donation; limited seating, reserve at
tricks, with a portion of proceeds donated 17|18 Riverside Theatre Comedy tal Learning Center, Keep Indian River Beauti- verovinofestival.com or call 772-538-181
Zone, 7 p.m. and 9 p.m. on ful and Ocean Research & Conservation Assn.
the Waxlax Stage. $20. Live on the Loop con- keepindianriverbeautiful.org 18 Pirates in the Park 2-Miler, 6:30 p.m.
at Riverside Park, with best pirate cos-
Solutions from Games Pages ACROSS DOWN Crossword Page 33 (CHEERS AND JEERS) tume contest, free kids run and American Icon
in August 26, 2021 Edition 1 OAR 1 OCCUR Beer (21+) to benefit Vero Beach High School
3 LAB 2 RECEIVE Cross Country. Runvero.com
5 HOARD 3 LEAP
8 COCOA 4 BEGGED 20 Citrus Golf Tournament to benefit
9 GENUINE 5 HANDLING United Way of IRC, 1:30 p.m. shot-
10 RUIN 6 ALIEN gun start at Vero Beach Country Club, with box
11 FEELINGS 7 DRESSED lunch and post-event awards. $200 pp, dead-
13 CREATE 12 STITCHES line Sept. 10. 772-567-8900 x 117
14 UNKIND 13 CAPTAIN
17 POSITION 15 IMITATE 24|25 Riverside Theatre Comedy
19 RING 16 FOLLOW Zone, 7 p.m. and 9 p.m. on
22 ALCOHOL 18 SACKS the Waxlax Stage. $20. Live on the Loop concerts
23 DRAMA 20 GRANT 5:30 p.m. to 9 p.m.; free but tickets required.
24 NOSES 21 ADDS 772-231-6990
25 WAS
26 EAT

Sudoku Page 32 Sudoku Page 33 Crossword Page 32

VERO BEACH 32963 BUSINESS DIRECTORY

Advertising Vero Beach Services | If you would like your business to appear in our directory, please call 772-633-0753

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Our directory gives small business people eager to provide
services to the community an opportunity to make themselves

known to our readers at an affordable cost. This is the only
business directory mailed each week. If you would like your

business to appear in our directory, please call
772-633-0753 or email [email protected].

SPACIOUS CACHE CAY HOME COMES
WITH DOCK AND POOL

69 Cache Cay Drive in Cache Cay: 4-bedroom, 3-bath, 3,170-square-foot waterfront home offered for
$2,250,000 by Michelle Clarke, Berkshire Hathaway HomeServices Florida Realty, Realtor: 772-263-0386

56 Vero Beach 32963 / September 2, 2021 Your Vero Beach Newsweekly ™

REAL ESTATE

Spacious Cache Cay home comes with dock and pool

BY STEPHANIE LABAFF to find a place of her own so she could Cache Cay, you enter what feels like alty. “The views are spectacular from
Staff Writer spend more time with them. “My par- a remote island community, and the nearly every room in the house.”
ents lived 1.7 miles away for years and riverfront home at 69 Cache Cay Dr. is
After coming to visit her parents in had no idea that Cache Cay was here. It one of the more unique properties in In the dining room, crown molding
Vero Beach for many years, Lucia Gil- really is a hidden gem,” recalls Gildea. the neighborhood. and wainscoting create a sense of for-
dea decided five years ago it was time mality with a teak, built-in buffet that
Crossing the small bridge into As you roll up the brick-paved adds warmth without overtly revealing
drive, the three-car garage is the first its more practical nature. The pass-thru
of many special features you find in at the center and walk-around at both
this four-bedroom, three-bath updat- ends allows easy access to the kitchen.
ed home with a metal roof and brick
accents, located deep in the heart of The renovated baker’s kitchen
the tranquil community and nestled boasts professional grade appliances,
among mature oaks and palms. including a Thermador gas cooktop,
two KitchenAid ovens and a Kitch-
A pair of rich, mahogany doors enAid refrigerator, along with a prep
topped by a half-circle transom is sink in the butcher block island, soap-
tucked under the portico and open stone farmhouse sink, pull-out pan-
into the formal living room, offering try shelves and a breakfast nook.
vistas of the river through windows
and glass doors that fill the space with The breakfast bar provides a bit of
natural light. The step-down into this a divider between the kitchen and the
space along with the half wall help to family room. The high ceiling and
define the adjacent dining room.

“I love the natural light this house
offers,” says listing agent Michelle
Clarke, a Realtor with Berkshire Ha-
thaway HomeServices Florida Re-

Your Vero Beach Newsweekly ™ Vero Beach 32963 / September 2, 2021 57

REAL ESTATE

large windows create a welcoming at- convenient access to the house; it’s
mosphere where everyone can gather also handy when you’re entertaining
in the open-plan space. The area in- guests in the living and dining room.
cludes a built-in desk and office space Bright, eclectic tile sets a happy tone.
so you can keep an eye on the kids
while they do their homework. At the end of the hallway, the own-
er’s suite enjoys river views through
Two guest bedrooms with built-ins double doors leading out to the pool
and a shared bath, the laundry room deck. High ceilings and a three-sided
and access to the three-car garage gas fireplace that divides the sleeping
complete this side of the house. The area from the en-suite bath add to the

split plan creates a buffer between sense of architectural quality.
the master suite and guest rooms, al- The spa-like master bath boasts a
lowing for a great deal of privacy.
freestanding tub with a glass block
“There’s no wasted space. It of- window that lets sunshine filter
fers so much for a nice-sized family. through while maintaining privacy.
There’s so much room it’s easy to sep- The enclosed shower, water closet
arate or gather,” says Clarke. and double vanity with a granite
countertop finish off this open space,
The fourth bedroom is located just providing plenty of room for couples
off the front entry and is currently be- to maneuver. Two walk-in closets
ing used as a den. With a built-in desk round out the room.
area and window seat, it’s the perfect
at-home workspace. Glass double doors open to the cov-
ered patio and summer kitchen for
Across the hallway, the cabana optimal indoor-outdoor living. It’s
bath with shower offers swimmers

58 Vero Beach 32963 / September 2, 2021 Your Vero Beach Newsweekly ™

REAL ESTATE

the perfect spot to relax and enjoy the launch your boat from the extended
sunset over the river or go for a swim dock and boat lift.
with the tile turtles at the bottom of
the freeform pool. “You can jump in your boat and
go,” says Clarke, noting the home’s
“I love the views from the house. proximity to the Gifford Cut.
You see dolphins, otters, stingrays
and boats.” says Gildea. “It is just so “The neighborhood has a really good
beautiful. And the sunsets can’t be feel about it. It’s tucked away and has a
beat. We fish from the dock and eat lot of character,” continues Clarke.
fresh fish for dinner. It’s incredible.
This house holds special memories.” Cache Cay is a gated island com-
munity located just south of Jandrew
A hedge of mangroves at the rear of Cove. The neighborhood is only a
the fenced backyard creates a natu- short drive away from shops, dining
ral buffer between the backyard and and beaches, with cultural venues in
the river’s edge. The property enjoys nearby Riverside Park.
108 feet of river frontage along the In-
tracoastal Waterway. You can fish or For a closer look at the home, stop by
the Open House on Sept. 5 from 1 p.m.
to 3 p.m. 

VITAL STATISTICS
69 CACHE CAY DRIVE

Neighborhood: Cache Cay • Year built: 1989 • Construction: Frame
Lot Size: 152’ X 108’ • Home size: 3,170 sq. ft.

Bedrooms: 4 • Bathrooms: 3 • View: Bethel Creek • Pool: Freeform
Additional features: Guard-gated community; wood and tile flooring;
security system; central vacuum; gas cooktop; two ovens; lift for heavy
appliances; granite countertops; French doors; impact windows; soaking
tub; gas fireplace; built-in cabinets throughout; whole-house generator;

summer kitchen; fence; dock and boat lift with Intracoastal access
Listing agency: Berkshire Hathaway HomeServices Florida Realty

Listing agent: Michelle Clarke, 772-263-0386
Listing price: $2,250,000

Your Vero Beach Newsweekly ™ Vero Beach 32963 / September 2, 2021 59

REAL ESTATE

Prepare ahead of time if you plan to buy a home after retiring

BY MICHELE LERNER income flow after retiring, so their lender about the specifics of doing so.” the option to invest their money else-
future income didn’t match the cur- Many retirees may plan to sell their where if that investment could return
The Washington Post rent income when they applied. more money than the interest on a
current home and pay cash for their mortgage. It’s also worth factoring
Planning for retirement includes “This was a big red flag and it’s a next property, but Baker suggests in the potential tax breaks involved
numerous moving parts, including lesson for buyers to make their lend- looking carefully into the pros and if you do obtain a mortgage, rather
saving and investing for daily ex- er aware of any upcoming chang- cons of that plan. than paying outright for a home.
penses and decisions about where es before the income verification Most lenders have experienced ad-
you want to live. process begins. It is worth noting “It can be worthwhile to meet with visers who can crunch the numbers
that Social Security income can be a financial adviser to determine on this scenario to see if it can save
While more than three-fourths of grossed up for qualification pur- whether it’s worth taking out a mort- home buyers money.” 
Americans (76 percent) said they want- poses, but you’ll want to talk to your gage,” Baker wrote. “With rates so
ed to stay in their residence in retire- low, buyers with cash flexibility have
ment in an AARP survey, some retirees
want to move to a new home, downsize
or relocate after they stop working.

We asked Dale Baker, president of
home lending at KeyBank in India-
napolis about the challenges of buy-
ing a home when you’re retired.

“There are multiple factors that can
stand in the way of seniors who are
either retired or in the process of re-
tiring from being able to quickly and
easily purchase the home they want,”
Baker wrote in an email.

“The most complicated hurdle is
seniors who have all the assets they
need, but no income streams to make
it through the regulations put in place
to verify what they qualify for.”

Even retirees with $1 million or
more saved for their post-work life can
find it difficult to qualify for a loan.

“That money needs to be generat-
ing income, dividends or interest to
help show that it does function as in-
come,” Baker wrote.

“Unfortunately, capital gains on
investments are not typically eligible
for use as qualifying income due to
the one-time nature of the income.
Be sure to talk to a lender about how
certain assets, set up for regular, pe-
riodic distributions, can be used as
proof of income.”

Without monthly income that can
be confirmed by a bank, qualifying
for a loan can be challenging. Lenders
must follow regulations that require
proof that borrowers have the ability
to repay a loan through their planned
income, which can sometimes be a
surprise for seniors making the tran-
sition into retirement.

“I witnessed one situation where
a person close to retirement had a
difficult time acquiring their new
retirement home as they were try-
ing to get their income confirmed,”
wrote Baker.

“When they submitted their ap-
plication, they were still employed,”
he added. “They didn’t tell the bank
they were retiring in two months.
Through the verification process,
the bank learned of the coming re-
tirement and that the buyer was just
going to have Social Security as an

60 Vero Beach 32963 / September 2, 2021 Your Vero Beach Newsweekly ™

REAL ESTATE

Real Estate Sales on the Barrier Island: Aug. 20 to Aug. 26

The last full week of August was another solid one for the island real estate market with 14 sales
reported.
The top transaction of the week saw real estate broker-owner Matilda Sorensen sell her own
home in Old Riomar. The residence at 915 Bay Oak Lane was placed on the market March 12 for
$4.9 million. The sale closed Aug. 24 for the full asking price.
The purchaser in the transaction was represented by Cindy O’Dare and Richard Boga of Premier
Estate Properties.

SINGLE-FAMILY RESIDENCES AND LOTS

SUBDIVISION ADDRESS LISTED ORIGINAL MOST RECENT SOLD SELLING
ASKING PRICE ASKING PRICE PRICE
$4,900,000
$4,900,000 $850,000
RIOMAR 915 BAY OAK LN 3/12/2021 $999,000 $4,900,000 8/24/2021 $795,000
VERO BEACH ESTATES 816 CYPRESS RD 6/15/2021 $825,000 $949,000 8/23/2021 $770,000
$750,000 $760,000
CASTAWAY COVE 1130 DRIFTWOOD DR 3/17/2021 $750,000 $795,000 8/23/2021 $733,000
$769,000 $685,000
CASTAWAY COVE 1245 SPANISH LACE LN 7/17/2021 $695,000 $750,000 8/25/2021
$747,000
SEA OAKS 8811 LAKESIDE CIR 6/22/2021 $750,000 8/23/2021 $540,000
$432,000
ISLAND CLUB RIVERSIDE 1348 RIVERSIDE LN 7/2/2021 $769,000 8/25/2021

BETHEL BY THE SEA 3802 MOCKINGBIRD DR 7/20/2021 $695,000 8/23/2021

TOWNHOMES, VILLAS, CONDOS, MULTIFAMILY AND INVESTMENT

SEA OAKS 8835 W ORCHID ISLAND CIR, #606 7/5/2021 $747,000 $747,000 8/26/2021
PEPPERTREE 290 S PEPPERTREE DR S, #4 4/19/2021 $540,000 $540,000 8/24/2021
PEPPERTREE 101 PEPPERTREE DR, #18 4/26/2021 $435,000 $435,000 8/25/2021

Your Vero Beach Newsweekly ™ Vero Beach 32963 / September 2, 2021 61

REAL ESTATE

Here are some of the top recent barrier island sales.

Subdivision: Island Club Riverside, Address: 1348 Riverside Ln

Listing Date: 7/2/2021
Original Price: $769,000
Recent Price: $769,000
Sold: 8/25/2021
Selling Price: $733,000
Listing Agent: Debbie Bell

Selling Agent: Berkshire Hathaway Florida

Debbie Bell

Berkshire Hathaway Florida

Subdivision: Bethel By the Sea, Address: 3802 Mockingbird Dr

Listing Date: 7/20/2021
Original Price: $695,000
Recent Price: $695,000
Sold: 8/23/2021
Selling Price: $685,000
Listing Agent: Christine McLaughlin

Selling Agent: Shamrock Real Estate Corp

Sherrie Coleman

ONE Sotheby’s Int’l Realty

Subdivision: Castaway Cove, Address: 1130 Driftwood Dr

Listing Date: 3/17/2021
Original Price: $825,000
Recent Price: $795,000
Sold: 8/23/2021
Selling Price: $795,000
Listing Agent: Lori Davis

Selling Agent: Dale Sorensen Real Estate Inc.

Michael Ott

Daley & Company Real Estate

Subdivision: Vero Beach Estates, Address: 816 Cypress Rd

Listing Date: 6/15/2021
Original Price: $999,000
Recent Price: $949,000
Sold: 8/23/2021
Selling Price: $850,000
Listing Agent: Beth Livers

Selling Agent: Berkshire Hathaway Florida

Beth Livers

Berkshire Hathaway Florida

62 Vero Beach 32963 / September 2, 2021 Your Vero Beach Newsweekly ™

REAL ESTATE

Here are some of the top recent barrier island sales.

Subdivision: Old Orchid, Address: 9535 E Maiden Ct Subdivision: Castaway Cove, Address: 1245 Spanish Lace Ln

Listing Date: 10/24/2019 Listing Date: 7/17/2021
Original Price: $499,000 Original Price: $750,000
Recent Price: $535,000 Recent Price: $750,000
Sold: 8/26/2021 Sold: 8/25/2021
Selling Price: $530,000 Selling Price: $770,000
Listing Agent: Elizabeth Sorensen Listing Agent: Allan & Kim Grieve

Selling Agent: Dale Sorensen Real Estate Inc. Selling Agent: Vero Coastal Homes

Elizabeth Sorensen Allan & Kim Grieve

Dale Sorensen Real Estate Inc. Vero Coastal Homes

Subdivision: Sea Oaks, Address: 8811 Lakeside Cir Subdivision: Peppertree, Address: 101 Peppertree Dr, #18

Listing Date: 6/22/2021 Listing Date: 4/26/2021
Original Price: $750,000 Original Price: $435,000
Recent Price: $750,000 Recent Price: $435,000
Sold: 8/23/2021 Sold: 8/25/2021
Selling Price: $760,000 Selling Price: $432,000
Listing Agent: Fran Smyrk Listing Agent: Elizabeth Sorensen

Selling Agent: ONE Sotheby’s Int’l Realty Selling Agent: Dale Sorensen Real Estate Inc.

Fran Smyrk Barbara Foster

ONE Sotheby’s Int’l Realty Elmdale Management Group LLC



The Vero Beach Barrier Island Newspaper www.vb32963online.com

September 2, 2021 Volume 14, Issue 35 Newsstand Price $1.00