How to Research the History of a House
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How to Research the History of a House

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How to Research the History of a House
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If you are interested in researching the history of a house you’ve been looking at, check out the resources here to help along the way.
Nowadays most people like to be informed.  Buying a house is a nerve-wracking time, and you want to make sure you know as much about your future home as possible.  At the end of the day, this is why you find need that Top Notch Home Inspector (and why you’re here at Red Flag Home Inspection).  So, you have your sights on a house and you are taking a deeper dive into the history of the house.  Here are some resources that can help you along in that journey.
  1. Multiple Listing Service (MLS) or Ask Your Realtor

The MLS is a backend database that real estate agents use to create (and share with prospective buyers) the house(s) you are interested in purchasing.  If you are curious, you can learn more about the MLS with a quick google search.  This database, unfortunately, is not available to the public but your chosen Real Estate professional certainly can gain access to get you the prior listing records.  There you can review the square footage, the wallpaper, the carpet in the bathroom, etc.  You may actually get a glimpse into what the house looked like before they knocked out some walls and opened it up.  Some have had success finding former listing data from EstatelyCompass, or Moveto as well.

  1. Evacuation Zone and/or Flood Zone

In Florida, knowing which evacuation zone a house is located in is a must.  Florida Disaster has an interactive map where you can put in your address and zoom in/out to see the zone you are in (HERE).  Your designated evacuation route should be researched and posted somewhere in your home.

Flooding causes more damage in the United States than any other severe weather-related event.  To check your new home’s susceptibility to flooding, you can check FEMA’s interactive map HERE.  Those located within a designated Flood Zone will be required to secure Flood insurance if they carry a mortgage on the home.  Even if not located within a designated flood zone, you may want to consider getting this insurance coverage.  A handy tool I found when preparing for this article can be found HERE.   This site will assess your “Flood Factor” and report on the likelihood of you encountering a flood within various timespans you designate.  It will also tell you the likelihood of your neighborhood, zip code, city, or county having a flood event.

  1. Foreclosures and Distressed Property Search

Foreclosure sales can bring down the average sales price in a given area, and the presence of bank-owned or foreclosed properties may develop into a neighborhood eyesore.  You can try to get ahead of this by researching distressed and foreclosure properties at Realtytrac. The site is just as easy as using Zillow or google. You just type in the city or street and see what listings pop up. You have the ability to filter by pre-foreclosure, auction, bank owned, as well as conventional sale. You can, of course, also get these listings from the MLS through your chosen realtor. You don’t always get 2’ tall grass to point out the distressed properties, so this site will help you look into any that may exist near your new home.

  1. Comprehensive Loss Underwriting Exchange (C.L.U.E.)

This is a LexisNexis database that contains up to seven years’ worth of the automobile and personal property claims data. It also contains scoring data to assist insurance companies with a risk assessment to help lead pricing and underwriting. This data, however, can only be accessed by the owner of the property, the insurer, or the lender for a property.  You can, however, request that the current owner (the seller) order a C.L.U.E. report on your behalf.  This may alert them to issues they had no idea existed prior to their own purchase.  This information can prove useful to assist you in assessing what perils the building has gone through, as it is not always easy to determine events that occurred after the damaged materials are removed and made new.

If you are wondering why you would care if the damaged materials were removed/replaced, you may not know how often unskilled labor and/or DIY enthusiasts tackle some of these issues themselves. Things have the potential to look great, but not be so great when you peel back the layers. People following proper protocols and standards of care, unfortunately, is one of those things you need to be on the lookout for. Doing the right thing is sometimes much more expensive than doing, enough.

  1. Talk to the Neighbors

You can learn A LOT about a neighborhood by latching onto the local gossip hub.  Three short hours later and you will know all of the cul-de-sac drama, who painted the house with un-approved color palettes, and who’s dog calls your yard their personal dumping grounds.  You can also learn quite a bit about the buildings.  Basic up-keep and maintenance questions are fair game.  Knowing if a laundry list of defects was found shortly after construction could prove pretty useful for your decision-making processes.  You may also want to inquire about the schools, traffic patterns, and any local amenities that are nearby.  So be bold and introduce yourself.  If it’s a crash and burn, you will need to assess whether you can live next to Ms. “I keep my yard pristine while my dog’s dumping on yours”.  True story, dog urine burns lawns.  Look it up!

Seriously though, neighbors are a great source of information.  People know other people, who may know about the house or area you are looking to move into.

  1. Search Engine

You googled your cold symptoms and convinced yourself that you were dying, so why not try it for your future house?  Well, you actually can grab some pretty low-hanging fruit with a simple google search.  Oftentimes, listings from TruliaRedfinRealtor.com, etc. pop up.  These listings may have a different or more in-depth set of photos that will help jump-start your search.  You may pick up the criminal history of the past owner, or a voter registration site that tells you he voted for that terrible guy that one time.

While you are there, try out Google Streetview.  To use it, you type in the address into google.  Then click on the map image (the first response), then drag the little orangish-yellow guy at the lower right corner into the screen where you want to view.  You will see the available Streetview footage with a differing coloration as you are dragging this guy around.  From there, you can move up/down the street, or zoom in or out.  You can also click on the clock icon at the upper left corner to see the same image in that same location on prior dates.  This is great to see if the roofing changed, or if they painted the house.  Just be warned, you may see 6 cars parked in the front yard and 2’ tall grass.  If you are in looking in densely populated areas, a good amount of imaging should be available dating back to 2007.  More sparse areas may have little or no Streetview imagery.

  1. Aerial Imagery

Modern-day aerial imagery has been showing increased clarity and frequency of collection.  What this means is that there is a fighting chance that you can see (within a few years’ span) when that building addition was constructed.  Any “visual” event that you can see from an overhead perspective may be observable in some of the more modern and clear imagery.  So if a detached building was built, or a pool was put in, you would likely be able to narrow down when it was done.  You can also typically see coloration changes that are typical when replacing roof coverings, or when they gave up on their yard and started embracing the weeds.  In Florida, most municipalities have limited aerials on their property assessment pages.  To see your county, you can go HERE for Hillsborough, HERE for Pinellas, or HERE for Hernando counties.  If you are not in these three counties, usually you can easily find your local Property Appraiser’s office by googling the county + “property appraiser”.

Another great place to get current aerial images is on google.  Similar to the way you navigated to Streetview above, instead of dragging the orange/yellow guy, you just click on the map link itself.  Once in, you can click the icon at the lower left corner to toggle from “map” mode to “aerial” mode.

Once there, you can zoom in pretty close and see some decent detail.  The date of the imagery is posted at the lower right corner of the map.  If you right click, you can select points and measure distances (say if you wanted to estimate if your new pool will be too small for that 6’ pool float you’ve been looking at.  You can also copy the latitude and longitude in case you need coordinates for any other purpose.

Another great resource, of course from google, is Google Earth.  You type the address, street or city you are interested in at the hourglass icon on the left side of the screen.  From there, you can scan around, pan, tile, and zoom in and out.

You can also drag that orange/yellow guy into place to see the Streetview image.  If interested, you can also draw and annotate the maps you are viewing.  In Google Earth Pro, the desktop version of this program, you can click on the “Historical Imagery” button to see the same house spanning several aerials (usually provided in 2 to 6 year spans).  If you don’t know why this roof is not an efficient roof design, please check out my article on the topic HERE.  On the one prior, I don’t think I have to tell you that a big tarp on the roof is BAD.  For those who don’t know, those are placed as temporary coverings if/when there are roofing issues.  I would definitely ask questions about why it was there (if you do not see it during your inspections) and request paid invoice receipts to prove it was dealt with properly.

  1. Public Records Searching

If you are really committed to learning the history of a potential home, your journey will next take you to Public Record Searching.  A directory that may help you find the Public Record authorities in your area can be found HERE.  Below is the export when I put in FLORIDA, HILLSBOROUGH COUNTY:

The first stop along these lines should be the Property Appraiser’s office.   Here you can look into the prior owners of your target property.  Appraisers also assess the value of the property by level of finish and use.  So a visit to the Property Appraiser’s office may dig up some solid information on how they converted that 3 car garage into a mother-in-law suite (IF that does happen, I hope you read about the PRO’s and CON’s of that in my prior Blog Entry HERE).  Many building permits and changes in use for the areas of the residence get reflected in the appraisers’ record books over time.

You may also need to pop over to the Building Department.  Some of the more modern Building Departments have their records available online, while others have not quite made it there yet.  For really old buildings, expect to need to go in-person and possibly get assistance looking through microfilm.  Here you can search the permit history on the building of interest.  If you see major re-working and do not see matching permit history, you may want to inquire with the seller’s on whether they were pulled (and why not).  If you have these departments print out any permits or plans found, expect to pay them per page (and they don’t all take check or card).

Believe it or not, the local library may have insight to the buildings of the area, and their rich history.  If you are on a scavenger hunt for more historic reasons, I would make a quick stop there to see what you turn up.


  1. Title Search

In Florida, a title search accomplishes several things.  Among them, it includes confirmation of who has the right to sell the property, the description of the property (in the official records), mortgages present, tax information, and any liens/restrictions/easements on the property.  The “chain of title” is a legal document that will show the sequence of historical transfers of the title to a property.  Mortgage lenders require a title search, so your transaction may already be destined to contain one.  These searches go back as far as possible, so this may dig up some needed information about the history of your building.  Often, records are found that pre-date the construction date of most buildings.


  1. Diedinhouse.com

I know it’s morbid to consider, but past owners may have deceased in the house you are looking to buy. Realtors are commonly asked if the past owners or anyone passed away in the residence, and they may or may not know.  For a fee, you can go to diedinhouse to answer that question.  Talking to neighbors, as discussed above, is also an effective way to learn if something terrible happened in your future home.


  1. School Ratings

Those with children obviously need to know if the school districts they would land in are solid.  Great Schools is a go-to resource to learn all about the schools at the various levels.  Each school is given a rating factor (out of 10) to indicate which schools are below average and which are great.  You will also find the full school name, address, distance from your selected location, and the number of students currently enrolled.  Drilling down into individual schools further, you can find additional student metrics, test scores, and various other demographics.


  1. Sex Offender Database

Just in case you were distracted by the dog soiling your future bushes when the neighbor told you, you can run over to the National Sex Offender Public Website to check if there are any registered offenders in proximity to your new home.  The FBI’s Scams and Safety website also has a sex offender registry that you should check just to be sure.


  1. General Crime Statistics

It may be good to know that the area you are (potentially) moving into isn’t over-run with theft and violent crime.  If you agree (and you don’t mind a fee), you should check out some of the information and statistics at Neighborhood Scout.  The FBI comes through again with additional resources to feed your need to research your neighborhood.  The National Incident-Based Reporting System (NIBRS) has data that can be sliced by location, year, and several other selection criteria.  Additional FBI resources, including Hate Crimes and other infractions, can be found HERE.

Those with a Ring doorbell may also want to join the Ring community in the area of the prospective home.  There are some interesting Ring doorbell videos shared there, and you may get to see chat messages about local occurrences.  Spoiler Alert: most of the videos posted there are porch pirates or people asking if anyone knows this random person who had the audacity to knock on my door today.

Closing

So good luck researching your next dream home.  I hope these tools are helpful, and you are
able to hone in on that dream home you’ve been scouring the MLS to find.  Did a tool you use not make the list?  Post a comment below to share.

Best ways to research the history of a house:

  1. Multiple Listing Service (MLS) or Ask Your
    Realtor
  2. Evacuation Zone and/or Flood Zone
  3. Foreclosure and Distressed Property Search
  4. Comprehensive Loss Underwriting Exchange
    (C.L.U.E.)
  5. Talk to the Neighbors
  6. Search Engine
  7. Aerial Imagery
  8. Public Record Searching 
  9. Title Search
  10. Diedinhouse.com 
  11. School Ratings 
  12. Sex Offender Database 
  13. General Crime Statistics 
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How do i Create a Style Name through Stylish Font Generator?

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There are a lot of fonts out there. It’s impossible to use them all. But what if you can use just one of them? Well, you are in luck! Stylish Text Generator is an online tool that can turn simple text into stylish font-like letters.

You can get your text to look like it was hand-crafted by a designer. You can also use this tool to add fancy, modern, and stylish text to your blog, website, etc.

All you have to do is to type your text and choose a font from the drop-down menu. Then click on the button “Generate”, and wait for a few seconds. You will soon see a variety of awesome styles appearing below your text.

If you are looking for a way to create stylish text, then Stylish Text Generator is the right tool. It lets you generate stylish text using over 60 cool text styles.

This way you can easily copy the texts and paste them anywhere. The moment you type a text in the box above you will see a lot of different styles below that can be copied swiftly without redirecting you to a different page.

It is super easy to use this tool. All you have to do is to paste a text into the box above. It is super-fast. If you are looking for a way to generate stylish text for Twitter, Fancy Text Generator is the perfect option. It helps you create stylish texts using over 60 cool text styles.

Uses of Stylish Font Generator

It is an amazing collection of web fonts that you can use to make your websites look beautiful. You can download these fonts online as well. These fonts are free of cost.

You can simply search for the font you want and then click on the link to download it. For example, you can search for ‘Garamond’ and you will see that it is available for download.

You can also search for ‘Times New Roman’ and you will find that this font is available for download. Once you are done with downloading these fonts, you can use them in your websites as per your choice.

You can use the fonts by placing the code in your website’s head section. . You can create a website by yourself, but it requires time and money.

This is why many people hire a web designer to create their websites. Web designers are responsible for creating the design of your website.

If you want to create your own website, you should know how to create a website. To make it simple for you, you can use a website creation tool to create a website.

With this kind of tool, you will be able to create a website within minutes. Many websites are free to create. If you want to have a more professional look, you can hire a web designer to create your website. But don’t worry if you cannot afford a web designer.

Stylish text messages on What Sapp

We can create a style with our own fonts and then apply this style to our messages and images. One of the best ways to create a new style is by using a stylish font generator.

There are several ways to use stylish fonts to create a style. We can use online sites to generate stylish fonts. One of the sites we can use is Style Generator.

With this site, we can easily create our own style with our own fonts. You don’t need any skill or knowledge about fonts to use them.

Just copy and paste any texts you want to change and hit the generate button. The best thing about this website is that you can add your own style to any of the generated texts. It makes your text look unique.

Fonts for Twitter

In a message box and you can send it to your friends and family. All you need to do is to go to a website and enter some texts into the box provided.

These messages will be converted into images automatically. It will be really helpful if you want to have a nice message for your family or friends.

You can also create a tweet and add some text and images on it. You can include funny quotes as well.

The best thing about the tool is that you can add new text and change the colors of your messages easily. You can also select a different font size and type to make the messages look unique and interesting.

Stylish Text Generator for Facebook

Creating a cool style name is very important if you want to look more attractive. The reason is that the style of your name can help to determine your reputation.

If you want to know what fonts are considered classy and popular, you can find out which ones are trending. If you are looking for new ideas, you can check out some of the different fancy font generators online.

There are many sites that offer a free tool to generate fancy names. Once you’ve found a nice name, make sure to add it to your Facebook profile.

If you want to keep the same font and only change the color, you can do that. For example, you can create a style name with all fancy fonts and symbols.

You can use a website called Go there and copy a nice text that you would like to put as your profile name. Paste it into your Facebook page and click on “generate.”

You will then see a preview of the text. Click on the link to “get the code”. Copy the generated code from the pop-up window and paste it into the box where you entered your name on your Facebook page.

Facebook allows you to change your profile picture. You can upload an image or just write a message.

For More Purposes

Our free font generator is helpful when you are looking for free fonts that are available on the web.

You can download and use these cool fonts to create stylish texts, photos, logos, and stickers on your social media profiles, websites, blogs, and apps.

If you are a web developer, you can use this free font generator to make your website more beautiful and interesting. Some websites and applications have a text box or text field where you can paste some text and choose a font from the list.

If you have a blog, you can use this free text generator to add flair to your posts. You can also use it to paste stylish text in your personal biography or your biofield.

Conclusion

To make a new style name, just simply enter the name in the box below. For example, to type a new name for this blog you can just click on the name you like and it will generate a fancy text.

If you want to create a new text for your website or app, you can follow the same steps. Just paste the name in the box below and click the Create button.

You can also add text with a picture. You just need to paste the text into the box below, select the image you want to use, and click the Add Picture button.

To change the font style, click the Font Style button and select any font you want. It’s that easy.

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What Does Medicare Part B Cover for Me ?

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Transitioning to Medicare is a daunting task for many people. Understanding all the different parts, plans, enrollment periods, and more does not always come easy. So, if you’re feeling overwhelmed, you’re not alone.

One of the best places to start is by understanding the different parts of Medicare, especially Medicare Part B. So, what does Medicare Part B cover for you?

What does Medicare Part B cover?

Medicare Part B is one of the four parts that make up the Medicare program, alongside Part A, Part C, and Part D. It helps cover your outpatient care. Fortunately, this includes various services, including lab work, surgeries, doctor visits, certain vaccinations, durable medical equipment, and more.

There are many resources available online with more info on Part B and all the specific services it helps cover. However, a good way to think about Part B is that it covers two main types of services: medically necessary and preventative. Let’s take a closer look at each one.

Medically Necessary Services

Part B typically helps cover services that Medicare considers “medically necessary.” Medicare defines medically necessary as any service needed to monitor, treat, or diagnose a health condition.

This means that Medicare usually does not help cover routine services. For example, many people are surprised that Medicare does not cover a standard physical. Medicare does not typically cover routine bloodwork, dental, vision, or hearing care either.

Preventative Services

Although it can be discouraging to hear that Medicare does not cover routine services, there is some good news. Medicare Part B does offer coverage for a wide range of preventative services. These services are meant to help prevent illness and disease as well as help catch certain health conditions early on.

Some of the most common examples of preventative services covered under Part B include colorectal cancer screenings like colonoscopies, mammograms, cardiovascular disease screenings, diabetes screenings, and more.

In addition to physical health screenings, Part B also helps cover mental health screenings related to conditions like depression, tobacco usage, and alcohol misuse.

How much does Medicare Part B cost?

The costs associated with Medicare Part B include the monthly premium, deductible, and cost-sharing.

Everyone must pay a monthly premium for Part B, excluding those who qualify for Medicaid assistance. Most people pay the standard premium of $170.10 in 2022, but it will decrease to $164.90 in 2023. However, know that if your income level is above a certain threshold, you may pay more for your Part B premium.

The Part B annual deductible is $233 in 2022. In 2023, the deductible will decrease to $226. The other thing to remember with Part B is that it will only cover 80% of the cost of approved services after you meet the deductible. This means you are responsible for the leftover 20%. Although 20% may not seem like a lot, it can add up very quickly, depending on the service.

So, what’s the solution? Fortunately, you can sign up for a Medicare supplemental plan.

Medicare Supplement Plans

Medicare Supplement plans, also known as Medigap plans, help cover the 20%. This 20% can consist of either copays or coinsurance. There are ten different Medigap plans available to varying degrees.

Fortunately, some Medigap plans cover your 20% at full cost, depending on your plan. Private insurance carriers offer these plans and charge a monthly premium. The exact cost of a Medigap plan depends on various factors such as your age, gender, zip code, tobacco, and more.

Medicare Advantage Plans

Medicare Advantage plans are a different way to receive your Medicare benefits. Like Medigap plans, Advantage plans are run by private insurance companies. The important thing to understand here is that when you have an Advantage plan, your healthcare is managed by that company, not the federal government.

However, these Advantage plans are required to offer you the same coverage the federal government offers. So, you should be able to receive the same medically necessary and preventative services through that plan. Just know your costs will likely look a bit different as each Advantage plan differs.

Summary

Part B is important to your health coverage through the Medicare program. It essentially acts as the foundation for your outpatient care, including doctor’s visits, surgeries, blood work, and much more. However, you want to remember that Part B typically only covers medically necessary and approved preventative services according to Medicare’s guidelines.

Lastly, keep in mind that Part B covers only 80% of approved services, so you’ll either want to enroll in a Medicare Supplement plan or an Advantage plan to help cover your costs.

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Is College Necessary for Everybody?

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When kids are in school, their parents and teachers tell them to work hard to get into college and get a good job. As a result, many people attend college after high school, while others go to college later in life to increase their earning potential. But is college necessary for everyone? You might not want to attend college if you don’t enjoy school. Meanwhile, you might not be able to afford college even if you love school. Luckily, you don’t have to go to college to be successful, but it can help. Whether you have a bachelor’s degree or GED, anyone can succeed and find a career they love.

Does College Predict Success?

Many people thank their college education for their ability to get a high-paying job that allows them to pay for basic living expenses. In addition, some degrees have a high return on investment. For example, nurses with master’s degrees typically earn more than those with associate’s degrees, making it well worth investing in a lengthier college program. However, many jobs don’t pay enough to make a college degree worth the expense, and there are several top-earning career fields you can enter without a degree. 

Before you can determine whether college is crucial to your future career success, you should consider the type of career you want. For example, if you love pets and want to be a vet, you’ll need a degree. Meanwhile, if you prefer building things with your hands, you don’t need a woodworking degree to become a successful carpenter who owns their own business. 

In general, going to college provides experiences to help you make connections you can use to further your career. However, a specialized degree isn’t necessary for most positions. For example, anyone can become a digital marketer with the right skill set, especially if they’re lucky enough to find job opportunities that offer training. 

The Case Against College Degrees

A college degree is required for some careers, but not all. Therefore, the most important step is determining which type of career you want and the requirements for entering the job market. First, you should look at the general career path to determine if a degree might be required down the line. For example, you may be able to find an entry-level job where a degree isn’t necessary, but if you want to become a manager, you might need one. 

Of course, anyone can be successful with or without a college degree. Therefore, you must determine the skills necessary for your chosen career path and find ways to excel in them.

The Case For College Degrees

While some people can become successful without a degree, attending college can improve your chances of success. College graduates typically earn more than those with a high school diploma, and education is increasingly important to employers. Knowing you graduated college can show employers that you’re goal-oriented even if you don’t have a relevant degree. Even if the type of field you studied doesn’t matter to an employer, they may still look for candidates with bachelor’s degrees. 

In addition to increased earning potential, many people believe college is essential for the experience alone. For most people, college is the best time of their lives because they’re finally free to make their own decisions independently. Furthermore, many people learn how to become adults, meet new friends, harness a network for professional opportunities, and gain valuable work experience while studying at a university. In addition to the college experience itself, you can get more information about your chosen field, including certificates and internship opportunities you can’t get anywhere else. 

Which Factors Determine If You Need a College Degree?

If you should go to college depends on several factors, including the industry you’re entering and your definition of success. 

Industry

Some industries require specialized degrees, while others don’t. For example, to become a psychologist, you’ll need a degree in psychology. Meanwhile, other careers prioritize relevant skills, such as technology and business. Meanwhile, those looking to enter creative fields may not need a degree; the hiring managers will look for relevant experience and a good portfolio. 

Your Definition of Success

How you define success will determine whether college is necessary for you. For example, maybe you’re someone who defines success based on your happiness at work. Individuals doing what they love may earn less, but their overall happiness makes their jobs easier and more enjoyable. Meanwhile, you might define success as starting your own business without a degree or getting a specialized nursing degree to work with a particular type of patient. Whatever the case, you must know what success looks and feels like for you to determine whether you need a degree.

Other Options 

College isn’t necessary for everyone, and there are other educational opportunities to help you advance your career. 

Trade Schools

Trade schools can help you gain valuable experience in a particular field, such as automotive, plumbing, electrical, or aviation. You can also find medical trade schools offering programs for nursing, billing, and allied health jobs. Meanwhile, other options include culinary schools, tech schools, and beauty schools, depending on your interests. 

Certifications

If you’ve already been in the workforce, you might not have the time to return to college. Certifications can be used in place of college degrees, especially if you already have relevant experience in a particular field. For example, you can get certifications in project management, digital marketing, website development and design, and teaching. 

Experience

Sometimes real-life experience is more important to employers than a fancy degree. For example, if you can find a good job, you might be able to work your way up in a company and learn the skills you need to get a management position.

Should You Go to College?

Going to college is a highly personal decision no one can make for you. While your teachers and parents might want you to find a good school, it’s not necessary for success. Instead, consider the type of career you want and whether pursuing higher education is worth it. 

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