Allstate Insurance Co.
Wally Burbage and Associates
Wally Burbage
843-881-1921
826 Johnnie Dodds Blvd
Mt Pleasant, SC 29464

Atlantic Shield Insurance Group
Erik Loesch
843-856-2909 ext 100
1127 Queensborough Blvd. Suite 101
Mount Pleasant, SC 29464

Riley and Associates
Brooks Jenkins
843-577-4198 ext 25
600 Seacoast Pkwy
Mount Pleasant , SC 29464

C.T. Lowndes & Company
843-763-0120
749 St. Andrews Blvd.
Charleston, SC 29407

State Farm Insurance
Basil Lempesis
843-766-0016
1365 Ashley River Rd.
Charleston, SC 29407-5379

Roy Hutchinson
147 Wappoo Creek Dr. #202
Charleston, SC 29412
Telephone: 843-762-2945
Facsimile: 843-762-2333

E-Mail:  mrhutch@bellsouth.net

Skip Martin
13 Wappoo Creek Drive
Suite 601
Charleston, SC 29412
Telephone: 843-762-2121
Facsimile: 843-762-2333
E-Mail: johnmartin@themartinlawfirm.net

The five areas that Moody’s foresees home prices performing best in 2010 are: Tacoma, Wash., (an increase of 2.44%); Memphis, Tenn., (up 0.99%); Pittsburgh (up 0.89%); Charleston, S.C. (up 0.18%); and Seattle (decline of 0.50%). (These five markets are culled from data on Moody’s Economy.com and based on the largest 100 metro areas.)

These pockets of the country share a few important characteristics. One is that they are starting with a limited supply of housing stock. Another is that throughout most of the decade, prices basically stayed in synch with household income, says Cochrane.

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Has The Real Estate Market Bottomed?
Alexandra Zendrian, 10.29.09, 02:10 PM EDT
Some local markets have seen the bottom, while others still have a ways to go. Minneapolis housing prices are up.

Some positive housing statistics have come out recently. The Case-Shiller index, which tracks changes in the values of residences in 20 metropolitan areas in the U.S., is up 2.9% in the second quarter. The previous quarter it was down 7.9%. The consumer confidence index was 54.5 in August, up from 47.4 in July. But does this data mean the market is turning around? Housing experts say in certain areas yes, while in others not so much.

According to the index, Charlotte, Cleveland and Las Vegas were the only areas that had higher declines in housing value month to month from July to August with 0.4%, 0.5% and 0.3% declines respectively. Minneapolis had the greatest monthly increase in values; it’s up 3.2%, followed closely by San Francisco at 2.8%.

As many real estate market watchers note, real estate markets need to be analyzed locally as each market functions differently. Paul Brigandi, portfolio manager at Direxion Funds, says locales with a lot of foreclosures will snap back faster than the rest of the market because of the demand for low-priced housing. Foreclosures went up 5% in the third quarter to 937,840 properties, according to RealtyTrac. Nevada, Arizona and California had the top foreclosure rates statewide. One in 23 houses got a foreclosure filing last quarter in Nevada, which is six times the national average, according to RealtyTrac.

The commercial real estate market will probably continue to see falling property prices for the next year, as the commercial real estate market usually lags the residential one by a year, says Michael Stubben, senior vice president of Cole Real Estate Investments. The office and industrial commercial real estate properties are tough to price now because of a high number of vacancies, he says, which will take two years to flush out of the system.

Martin Weiss, chairman of the Weiss Group, sees many reasons for a positive long-term outlook. “There are a lot of forces that were driving housing prices lower. Those have been mitigated to a great degree,” he says. But that positive outlook could be changed by another recession or a surge in interest rates, he adds.

Vahan Janjigian, Forbes chief investment strategist, is concerned the government is propping up the real estate market. “They’ve artificially driven down the mortgage rates, and they’re offering this big incentive to first time buyers,” Janjigian says of the first-time home buyer tax credit of $8,000. Because of this potentially lift from the government, it’s hard to tell how the market would have done otherwise and will do in the future, he says.

Sherry Chris, chief executive officer of Better Homes and Gardens real estate, saw a busy housing market in the early fall largely because of the home buyer tax credit. She is working to have the credit extended beyond its Dec. 1 deadline. “I see housing sales falling off in the later part of this year and into 2010 if there is no extension,” she says. Approximately 1.4 million people have used that tax credit so far, Chris says.

“There is legitimate demand because prices have come down, there are a lot of people who were taking advantage of the tax credit and the low mortgage rates,” says Ken Shubin Stein, founder of Spencer Capital Management. He adds that this demand seems like an “alphabet soup” created almost entirely by the government.

Though the government tax cuts have helped firm up housing prices and demand in the short-term, Janjigian is concerned that long-term the real estate market can’t recover until unemployment comes down substantially. The unemployment rate is currently 9.8%.

Apart from buying houses themselves, there are other attractive real estate investments. Brigandi says within the next several years home builder stocks, such as D.R. Holton ( DHI – news – people ) and Hovnanian Enterprises ( HOV – news – people ), will be good buys as more risk appetite and demand comes back to the market. His firm also manages two leveraged exchange-traded funds that investors can use depending on their views of the real estate market. These funds are the Direxion Daily Real Estate Bull 3X (DRN), which is three times leveraged to the MSCI real estate investment trust index, and the Direxion Daily Real Estate Bear 3X (DRV), which is tied to the MSCI real estate index.

Forbes.com

The Sword Gate House at 32 Legare St in Downtown Charleston is listed at 23,000,000 USD. It is currently the most expensive residential listing on the peninsula. Built in 1808, the 17,142 sf home sits on a .87 acre  lot.  The extensively renovated home has 9 bedrooms and 13 full/2 half baths.