Key West and Lower Florida Keys Real Estate Market Activity, 11/16/2023

It's Friday. The weekend is here. What are your weekend plans? How about looking at Florida Keys homes for sale? A home in the Florida Keys is an investment that will appreciate over time and provide your family with decades of enjoyment. If you prefer the action shopping, restaurants and nightlife, let's look at Key West homes for sale. If you prefer quiet, tranquility and would like your boat docked in the backyard, let's look at Lower Keys homes for sale.

I'm also running an offer right now that anyone who buys or sells any house anywhere in the Florida Keys, I will credit you $1,000 of my commission to go towards your closing costs. This offer is good for all of calendar year 2023. You don't even have to close in 2023. If you're buying the offer just has to be signed by all parties in 2023. If you are selling, the listing agreement just has to be signed in 2023. I'm considering extending this offer out to June 30, 2024. Keep an eye on my YouTube Channel where I will be announcing it within the next week. Some new inventory has been added to the MLS. We had 2 great listings come on the market in Key West and the Lower Florida Keys today. Looking for your dream home? Keep reading, it might be listed below. If you don't see something you like here, that's OK, I'm sure I can find your ideal home for you. There are hundreds more to choose from. Call me at 305-731-0501 or email me at garymcadams@realtorgary.com and let me know what your "Perfect House" would be. More than likely I will locate it. 

Address: 1021 Watson Street KEY WEST FL 33040 , Key/Island: Key WestStatus: Active County: Monroe
 
 
MLS#607455
Prop TypeResidential
StyleSingle Family
ZoningHMDR - Historic Medium Density Residential
WaterfrontNo
PoolYes
Flood Zone0.2 PCT ANNUAL CHANC
Species List 
Control Depth0.00
SideOcean
AuctionOld Town-S of Truman
Unit/Complex 
Rentals AllowedWith Restrictions
Max Rental Days 
Min Rental Days30
Price$ 1,495,000
Taxes$ 7,682.28
Tax Year2022
Year Built1940
Living Apx SqFt1364
SqFt SourceProperty Data Card
Lot Size 
Lot SqFt7,070
Acres0.16
Total Units0
Handicap Access 
SideOcean
ROGO Exempt 
Area: 02 - Key West
Subdivision: Gwynn Sub (1.0)
Total Bedrooms2
Full Baths2
Half Baths0
Dcmntd Septic Tnk 
Listing BoardKey West Association
Alternate Key #1034223
Parcel #00033430-000000
Add'l Parcel #1 
Add'l Parcel #2 
User Defined 16 
Deed RestrictionsUnknown
As is Rght to InspctNo
Limitd ReprsntationNo
Legal: KW GWYNN SUB PT OF TR 13 G12-556 G48-482/483 OR69-233/234 OR207-375/376 OR633-605 OR755-987/988 OR755-1342 OR758-1036/10
Directions: Watson Street and Virginia St corner
Remarks - Consumer: New Listing in Old Town Key West. This circa 1940 two bedroom/two bath home has been lovingly maintained and renovated. The home boasts a new kitchen with gas range, stainless steel appliances & a farmhouse sink. There are two newly renovated baths, tall elegant ceilings, Dade County Pine walls, hardwood flooring, central AC, and home is offered fully furnished. There is a graciously sized foyer with built-ins making it an ideal office space or sitting area. You will enjoy the oversized light-filled living and dining areas, built-in storage wall, and French doors leading outside. Resort like setting with large heated pool, outdoor shower, deck space, bricked courtyards, and a lush tropical landscaped yard that includes a grand avocado tree, mature banana plants and a bountiful supply of coconuts. Plenty of room for parking and there is additional hobby/home office space in detached cottage. Rear shed structure is perfect for storage, bonus metal shed on property for storing water toys and more. This fenced corner property is 7,070 sq feet of land. Close to shopping, dining, galleries, and only blocks to famous Duval Street. X Flood Zone!
 
Construction:Frame
Building Style:Above Flood: Unknown; Conch; Stories: 1 Story
Waterfront:None
Waterview:No Waterview
Dockage:None
Vehicle Storage:Off Street Parking
Furnished:Furnished; Negotiable
Cooling:Ceiling Fans(s); Central Air; Wall/Window Unit(s)
Porch/Balcony:Deck; Open Porch/Balcony
Utilities:FKAA; Municipal Sewer
Interior Features:Built-in Cabinets; Dade County Pine; Drapes/Blinds Incl; Storage; Window Treatments
Appliances:Dishwasher; Dryer; Gas Appliances; Microwave; Oven; Range; Refrigerator; Washer
Exterior Features:Fencing; Outdoor Shower; Privacy Wall/Fence; Shed; Storage
Pool Info:In Ground; Heated: Yes
Windows/Doors:French Doors; Jalousie Windows
Floor:Combo; Tile; Wood
Roof:Metal Roof
Pets:Pets Allowed
Land Size:Less Than 1/4 Acre
Terms:Cash; Conventional; FHA; VA
Title:Negotiable
Association Info:Mandatory Home Owners Asc: No; Condo Doc's: No; 1st Right of Refusal: No; Association Fee $: 0
Fee Includes:None
Tax Exemptions:None
Financial Status:Auction: No; Bank Owned: No; Potential Short Sale: No; Standard Sale: Yes
  
Days On Market1Bank OwnedNoPotential Short SaleNo
 
 
Provided as a courtesy of
Gary J McAdams
Barbara A. Anderson Realty
4139 Eagle Ave
Key West, FL 33040
Mobile - (305) 731-0501
garrettmcadams@gmail.com
http://www.realtorgary.com
Additional PhotosListing # 607455

Information is deemed to be reliable, but is not guaranteed. © 2023 MLS and FBS. Prepared by Gary J McAdams on Friday, November 17, 2023 7:00 AM. The information on this sheet has been made available by the MLS and may not be the listing of the provider.

Address: 1509 Josephine Street 2 KEY WEST FL 33040 , Key/Island: Key WestStatus: Active County: Monroe
 
 
MLS#607460
Prop TypeResidential
StyleCondo
ZoningMDR-1 - Medium Desnity Residential
WaterfrontNo
PoolNo
Flood Zone 
Species List 
Control Depth0.00
SideOcean
AuctionMidtown East
Unit/Complex 
Rentals AllowedYes
Max Rental Days 
Min Rental Days 
Price$ 449,000
Taxes$ 1,646
Tax Year2023
Year Built1948
Living Apx SqFt479
SqFt SourceTax Records
Lot Size 
Lot SqFt5,200
Acres 
Total Units 
Handicap Access 
SideOcean
ROGO Exempt 
Area: 03 - Key West
Subdivision: New Town - Unlisted (2.0)
Total Bedrooms2
Full Baths1
Half Baths0
Dcmntd Septic Tnk 
Listing BoardKey West Association
Alternate Key #9080318
Parcel # 
Add'l Parcel #1 
Add'l Parcel #2 
User Defined 16 
Deed RestrictionsNo
As is Rght to Inspct 
Limitd ReprsntationNo
Legal:  
Directions: Located on immediately behind the Palm Tree Convenience store. KC Styles is in the front unit of the building.
Remarks - Consumer: This unit has its own private yard and one off street parking spot. Its location is mid island and perfect for working people. Especially if you love dogs! The monthly maintenance does NOT include flood or wind insurance! All 3 owners agreed to this. Cash only, Owner will carry $100,000
 
Construction:Frame
Building Style:Above Flood: Yes; Stories: 2 Stories
Waterfront:None
Waterview:No Waterview
Dockage:None
Vehicle Storage:Assigned Parking
Utilities:FKAA
Appliances:Oven; Range; Refrigerator; Stainless Steel Appliance(s)
Pets:Pets Allowed
Land Size:1/4 - 1/2 Acre
Association Info:Mandatory Home Owners Asc: Yes; 1st Right of Refusal: No; Association Fee $: 210
Fee Includes:Bldg Exterior Mnt; Water
Tax Exemptions:None
  
Days On Market2
 
 
Provided as a courtesy of
Gary J McAdams
Barbara A. Anderson Realty
4139 Eagle Ave
Key West, FL 33040
Mobile - (305) 731-0501
garrettmcadams@gmail.com
http://www.realtorgary.com
Additional PhotosListing # 607460

Information is deemed to be reliable, but is not guaranteed. © 2023 MLS and FBS. Prepared by Gary J McAdams on Friday, November 17, 2023 7:01 AM. The information on this sheet has been made available by the MLS and may not be the listing of the provider.

Address: 64 Merganser Lane KEY WEST FL 33040 , Key/Island: Key WestStatus: Active County: Monroe
 
 
MLS#607452
Prop TypeResidential
StyleTownhouse
ZoningPRD - Planned Redevelopment & Development Dist
WaterfrontNo
PoolYes
Flood ZoneAE
Species ListNo
Control Depth0.00
SideBay/Gulf
AuctionKey West Golf Club
Unit/Complex 
Rentals AllowedWith Restrictions
Max Rental Days 
Min Rental Days30
Price$ 670,000
Taxes$ 3,400.98
Tax Year2023
Year Built1995
Living Apx SqFt780
SqFt SourceProperty Data Card
Lot Size 
Lot SqFt1,032
Acres0.02
Total Units1
Handicap Access 
SideBay/Gulf
ROGO Exempt 
Area: 04 - Key West
Subdivision: Key West Golf Club Dev (4.0)
Total Bedrooms2
Full Baths1
Half Baths1
Dcmntd Septic Tnk 
Listing BoardKey West Association
Alternate Key #8876564
Parcel #00072081-000132
Add'l Parcel #1 
Add'l Parcel #2 
User Defined 16 
Deed RestrictionsUnknown
As is Rght to InspctYes
Limitd ReprsntationNo
Legal: TOWNHOME UNIT 36 KEY WEST GOLF CLUB DEVELOPMENT OR1377-750/825DEC OR1377-865/867 OR2029-2108/09 OR2047-1923/1924
Directions: US #1 to College Rd., turning across from Murray Marine & toward College & Hospital. 1st left, turn into KW Golf Club, to Security Gatehouse. 1st street on rt. onto Merganser. All the way to end.
Remarks - Consumer: Quintessential, impeccable KWGC townhome! Meticulous attention to detail, prime owner-occupied home! Superb, private location, end of quiet lane, close to Gatehouse, quick, easy ingress/egress. 1st community pool just steps away. Cozy, low maintenance yard/white stone,/patio pavers/ pretty tropical foliage. This home SPARKLES! 2019 exterior painting, newer vinyl clad windows, full complement of accordion shutters, impact kitchen window, new fiberglass front door/phantom screen, all stainless steel roof screws/new vent, new AC in 2018, newer hot water heater, new washing machine/dryer...all your major possible concerns have been taken care of! Creative design w/maximum utilization of all nooks/crannies! Even a full protection plan w/Truly Nolen for drywood/subterranean termites & 4-Seasons Pest Control ready for your renewal. Pristine!!! Exquisite attention to detail continues interiorly w/18'' porcelain tile on the diagonal, full kitchen renovation. Custom whitewash self-close cabinetry to the ceiling. Beautiful shimmering soft turquoise/cream quartz countertops, all upgraded stainless Frigidaire appliances (new range, microwave), ivory brick ceramic backsplash. Built-in pantry below the breakfast bar. A recently constructed convenient powder rm. w/wainscoting accent wall/taller vanity/new toilet/mirror. A convenient storage area was created under the steps w/newer hot water heater. Large sliding glass doors lead to a spacious, serene screened rear veranda., new fan-another entertaining/relaxation space. The plushly carpeted staircase is opened @ the base, leading to Primary bdrm. w/queen size bed, beautiful armoire in alcove, new fan. Vaulted ceilings upstairs. Guest bdrm. w/private veranda, terrific large built-in storage closet w/wooden shelving. The full bathrm. has a new toilet/sleek vanity/porcelain accent tiled wall. So much more! Come join the KWGC, surrounded by Rees-Jones championship course, Clubhouse/Security/lagoon pool/MORE! True ''HONEY'' of home!
 
Construction:Frame; Hardi Board Siding
Building Style:Above Flood: Yes; Conch; Townhouse
Waterfront:None
Waterview:No Waterview
Dockage:None
Vehicle Storage:Car(s): 2; Guest Parking; Open Parking; Vehicle Restrictions
Furnished:Negotiable
Cooling:Ceiling Fans(s); Central Air; Heat Pump
Porch/Balcony:Deck; Open Porch/Balcony; Patio; Screened Patio
Utilities:Cable Available; Community Swr Plant; Elect Separate Meter; FKAA; Water Separate Meter
Interior Features:Built-in Cabinets; Cathedral Ceilings; Drapes/Blinds Incl; Pantry; Quartz Countertops; Smoke Alarms; Split Bedroom; Storage
Pre-Wired:Cable; Cat 5
Specialty Rooms:Gym
Appliances:Dishwasher; Disposal; Dryer; Freezer; Microwave; Oven; Range; Refrigerator; Stainless Steel Appliance(s); Washer
Exterior Features:Fencing; Privacy Wall/Fence; Rain Gutters; Storage
Pool Info:In Ground; Lap; Other: 2 community pools; Heated: Yes; Concrete; Other Material: Butterfly Garden; Decked; Other Surroundings: Fitness Rm.Clubhouse
Property Condition:Updated/Remodeled
Windows/Doors:French Doors; Impact Rstnce Window; Other Windows/Doors; Sash/Screen Window; Sliding Glass Doors
Floor:Carpet; Tile; Other
Roof:Metal Roof
Pets:Pets w/Restrictions
Neighborhood Feature:Clubhouse; Community Pool; Fire Hydrant; Manager on Premises; Other Area Features
Security:Electric Gate; Manned Gate; Patrolled Area
Land Size:Less Than 1/4 Acre
Terms:Cash; Conventional
Association Info:Mandatory Home Owners Asc: Yes; 1st Right of Refusal: Yes; Assoc Approval Req: No; Association Fee $: 425; Assoc/Mnt Fee Per: Monthly
Fee Includes:Cable; Common Area Mnt; Security; Other
Tax Exemptions:Homestead
License Info:# of City License: 0; Transient Rntl Licns: No
  
Days On Market1
 
 
Provided as a courtesy of
Gary J McAdams
Barbara A. Anderson Realty
4139 Eagle Ave
Key West, FL 33040
Mobile - (305) 731-0501
garrettmcadams@gmail.com
http://www.realtorgary.com
Additional PhotosListing # 607452

Information is deemed to be reliable, but is not guaranteed. © 2023 MLS and FBS. Prepared by Gary J McAdams on Friday, November 17, 2023 7:01 AM. The information on this sheet has been made available by the MLS and may not be the listing of the provider.

Address: 93 Palm Drive Saddle Bunch FL 33040 , Key/Island: SaddlebunchStatus: Active County: Monroe
 
 
MLS#607466
Prop TypeResidential
StyleSingle Family
ZoningIS - Improved Subivision District
WaterfrontYes
PoolYes
Flood ZoneAE
Species List 
Control Depth3.00
SideOcean
Auction 
Unit/Complex 
Rentals AllowedYes
Max Rental Days 
Min Rental Days28
Price$ 1,190,000
Taxes$ 5,875
Tax Year2023
Year Built2016
Living Apx SqFt1290
SqFt SourceTax Records
Lot Size 
Lot SqFt2,800
Acres 
Total Units 
Handicap Access 
SideOcean
ROGO Exempt 
Area: 06 - Bay Point to Sugarloaf
Subdivision: Bay Point Trlr Pk (15.0)
Total Bedrooms3
Full Baths3
Half Baths0
Dcmntd Septic Tnk 
Listing BoardKey West Association
Alternate Key #00162010-000100
Parcel #00162010-000100
Add'l Parcel #1 
Add'l Parcel #2 
User Defined 16 
Deed RestrictionsUnknown
As is Rght to InspctYes
Limitd ReprsntationNo
Legal: LT 45 BAY POINT TRAILER PARK PB3-57 SADDLEBUNCH KEYS OR26-83
Directions:  
Remarks - Consumer: Live the Florida Keys dream in this wonderful waterfront home set up for family, friends, and pure fun! Just 4 doors away from open water, with easy ocean access, this terrific boating home features a 35' concrete seawall on a pleasant canal. Impact glass windows and doors, a 180 mph wind rating, and weather resistant components highlight this modern constructed home maintained to perfection. Offered totally furnished with all household items and tasteful accessories, you can move right in to enjoy the holidays and new year. There is the potential for lucrative investment income with past monthly rentals for as much as $13,500. Covered balconies extend the main living area and master suite providing relaxing spots to take in the view. 9' ceilings and plenty of windows present a bright and happy sense of space. The spacious covered 49 x 15 ground level presents many options for entertaining, parking, and additional storage. A new 18 x 9 above ground pool, easily removed if your preference, allows for refreshing dips between boating adventures. Insurance figures, elevation certificate, recent survey, and current title policy all allow for a seamless purchase. Located only 11 miles from Key West, this unmatched waterfront value is available for your immediate occupancy for the competitive price of $1,190,000.
 
Construction:Concrete; Hardi Board Siding; Modular
Building Style:Above Flood: Yes; Stories: 2 Stories
Waterfront:Canal Front
Waterview:Canal View; Ocean View; Open Water View
Dockage:Dock Length: 35; Dock: Composite; Seawall: Concrete; Other Dockage
Vehicle Storage:Attached; Car(s): 3; Covered Parking; Guest Parking; Off Street Parking
Furnished:Furnished
Cooling:Ceiling Fans(s); Central Air
Porch/Balcony:Open Porch/Balcony; Patio
Utilities:Cable Available; Elect Separate Meter; FKAA; Municipal Sewer; Water Separate Meter
Interior Features:Drapes/Blinds Incl; Granite Counter Top; Smoke Alarms; Storage
Pre-Wired:Cable
Specialty Rooms:Laundry Room
Appliances:Dishwasher; Disposal; Dryer; Microwave; Refrigerator; Stainless Steel Appliance(s); Washer
Exterior Features:Fencing; Lighting; Outdoor Shower; Privacy Wall/Fence; Storage
Pool Info:Above Ground; Portable
Property Condition:Updated/Remodeled
Windows/Doors:Aluminum Windows; Impact Rstnce Doors; Impact Rstnce Window
Floor:Tile
Roof:Metal Roof
Pets:Pets Allowed
Neighborhood Feature:Bike Paths; Tennis Courts; Other Area Features
Land Size:Less Than 1/4 Acre
Association Info:Mandatory Home Owners Asc: No; 1st Right of Refusal: No; Association Fee $: 0
Fee Includes:None
Tax Exemptions:None
License Info:# of County License: 1
  
Days On Market1
 
 
Provided as a courtesy of
Gary J McAdams
Barbara A. Anderson Realty
4139 Eagle Ave
Key West, FL 33040
Mobile - (305) 731-0501
garrettmcadams@gmail.com
http://www.realtorgary.com
Additional PhotosListing # 607466

Information is deemed to be reliable, but is not guaranteed. © 2023 MLS and FBS. Prepared by Gary J McAdams on Friday, November 17, 2023 7:02 AM. The information on this sheet has been made available by the MLS and may not be the listing of the provider.

Address: 701 Spanish Main Drive 247 Cudjoe FL 33042 , Key/Island: Cudjoe KeyStatus: Active County: Monroe
 
 
MLS#607450
Prop TypeResidential
StyleMobile Home
ZoningURML-L - Urban Res Mobile Home Limited Dist
WaterfrontYes
PoolYes
Flood ZoneAE
Species ListYes
Control Depth3.00
SideOcean
Auction 
Unit/Complex 
Rentals AllowedYes
Max Rental Days 
Min Rental Days1
Price$ 650,000
Taxes$ 3,487.11
Tax Year2022
Year Built2008
Living Apx SqFt864
SqFt SourceTax Records
Lot Size46 x 67 x 17 x 67
Lot SqFt2,076
Acres0.05
Total Units1
Handicap AccessNo
SideOcean
ROGO Exempt 
Area: 07 - Cudjoe Key
Subdivision: Venture Out (23.0)
Total Bedrooms2
Full Baths2
Half Baths0
Dcmntd Septic Tnk 
Listing BoardMarathon/Lower Keys
Alternate Key #1243124
Parcel #00188681-024900
Add'l Parcel #1 
Add'l Parcel #2 
User Defined 16 
Deed RestrictionsYes
As is Rght to InspctYes
Limitd ReprsntationNo
Legal: LT 247 VENTURE OUT CUDJOE KEY PB6-56 OR614-722 OR692-154/55 OR1302-1128 OR1670-460/61 OR2050-1936/37 OR2366-2287 OR2820
Directions: On Cudjoe Key, turn onto Spanish Main Dr at MM23. Go about one mile and turn left into Venture Out.
Remarks - Consumer: Transient Rental Investment opportunity while you can also enjoy for yourself with no owner occupancy restrictions! This beautiful waterfront 2Bd/2Ba is nestled on a canal with a 17' concrete dock with open water views looking down the 60' wide canal. Many features include open floor plan, bamboo flooring, kitchen with full line of appliances, spacious hallway closet for storage. Walk out to covered porch to a colorful tile topped bar top bar with 4 bar chairs to chill while overlooking the water. Updates include metal roof, central A/C, Bahama storm shutters, permanent concrete foundation with storage below. The surrounding waters offer access to islands and deep water. Onsite boat ramps for easy access to world class fishing and diving! Venture Out at Cudjoe Cay is a private and individually owned residential condominium community. We are a community with 24 hr. patrolled gated security, two pets are allowed, no age restrictions, with transient rentals are permitted. There is an abundance of amenities; heated pool, hot tub, marina convenient store, fuel dock, two boat ramps, fish cleaning, water rinse down station, two tennis courts, bocce ball, two pickleball courts, basketball, playground, rec hall, and pavilion. Over 4 miles of safe wide paved streets, owner's storage lot and overflow parking. Lots of planned events and activities from yoga, pool aerobics, to pancake breakfast on Saturday, church and bingo! So much to do! Never have to leave! Isn't it time you found ''Your Happy Place''?
 
Construction:Manufactured
Building Style:Above Flood: Unknown; Double Wide; Stilt Column Height: Short - 4Ft & Under
Waterfront:Canal Front
Waterview:Canal View; Ocean View; Open Water View
Dockage:Dock Length: 17; Dock: Concrete; Boat Ramp; Seawall: Concrete
Vehicle Storage:Car(s): 1; Guest Parking; Off Street Parking; Trailer Storage; Vehicle Restrictions
Furnished:Furnished
Cooling:Ceiling Fans(s); Central Air
Porch/Balcony:Deck
Utilities:Cable Available; Elect Separate Meter; FKAA; Municipal Sewer; Water Separate Meter
Interior Features:Drapes/Blinds Incl; Smoke Alarms; Storage; Window Treatments
Pre-Wired:Cable
Appliances:Dishwasher; Microwave; Oven; Range; Refrigerator; Washer
Pool Info:In Ground; Salt Water; Heated: Yes; Concrete; Decked
Floor:Wood
Roof:Metal Roof
Pets:Pets w/Restrictions: 2 per unit
Neighborhood Feature:Clubhouse; Community Boat Ramp; Community Pool; Fire Hydrant; Handicap Facilities; Manager on Premises; Spa; Tennis Courts; Other Area Features
Security:Electric Gate; Manned Gate; Patrolled Area
Land Size:Less Than 1/4 Acre
Terms:Cash; Conventional; No Seller Finance
Title:Title Ins - Buyer
Association Info:Mandatory Home Owners Asc: Yes; Condo Doc's: Yes; 1st Right of Refusal: No; Association Fee $: 1,019.80; Assoc/Mnt Fee Per: Quarterly
Fee Includes:Common Area Mnt; Security; Other
Tax Exemptions:None
License Info:Transient Rntl Licns: Yes
Financial Status:Bank Owned: No; Potential Short Sale: No
  
Days On Market3Bank OwnedNoPotential Short SaleNo
 
 
Provided as a courtesy of
Gary J McAdams
Barbara A. Anderson Realty
4139 Eagle Ave
Key West, FL 33040
Mobile - (305) 731-0501
garrettmcadams@gmail.com
http://www.realtorgary.com
Additional PhotosListing # 607450

Information is deemed to be reliable, but is not guaranteed. © 2023 MLS and FBS. Prepared by Gary J McAdams on Friday, November 17, 2023 7:03 AM. The information on this sheet has been made available by the MLS and may not be the listing of the provider.

Please call me at 305-731-0501 or email me at garymcadams@realtorgary.com if you would like to see one of these great properties or any or the other the hundreds of other properties available in Key West and the Florida Keys. You can always view the entire Florida Keys MLS by clicking the "MLS Search" button on my website. You too can live in the Florida Keys and I can help you make that happen.
 
Gary
 
Gary McAdams, PA
Realtor/Notary Public
Barbara Anderson Realty You 
Key West, Florida 

Key West and Lower Florida Keys Real Estate Market Activity, 12/06/2024

The weekend is here. Weekends were made for Florida Keys Real Estate, not Michelob. Only those of us in our mid 50's or older will under...