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Press Release: Cardillo is a Certified Luxury Home Marketing Specialist™

February 15, 2023 by Gary Cardillo

“Gary Cardillo with The Gary Cardillo Group of RE/MAX Harbor Realty Punta Gorda, FL has earned The Institute for Luxury Home Marketing’s Million Dollar GUILD™ recognition for experience, knowledge, and expertise in million-dollar and above residential properties.

Cardillo is a Certified Luxury Home Marketing Specialist™ (CLHMS), an exclusive group of real estate professionals who have completed The Institute’s training and have a proven performance in the upper-tier market.

“Agents who have earned the CLHMS designation are performing at the highest level in their community,” said Diane Hartley, president of The Institute. “It takes a superior level of service to be successful and consistently close sales at or above one million dollars. We want to recognize this performance, and give these elite professionals the earned distinction that they are the agent of choice for affluent buyers and sellers.”

The specialized training and ongoing membership with The Institute provide Cardillo with the knowledge and tools to better serve his clients. The GUILD recognition provides evidence of the successful commitment to service at the highest level. “I am always looking for ways to learn and better serve my clients,” said Gary.

Filed Under: Buying Real Estate, Selling Real Estate Tagged With: certified luxury home marketing specialist, gary cardillo, luxury, real estate, remax harbor realty

Meaningful New Year’s Resolutions

February 15, 2023 by Gary Cardillo

Before the start of this New Year, I asked myself, “What resolution could I make this year that would be different from those of years past and one that would have a lasting effect?” Typically most say they would exercise more, take on a long overdue task of some kind, or take advantage of those things they had been postponing for too long, such as boating, golf, reading a good book, etc. While I am just as guilty that many of my resolutions over the years initially became great ideas, they became just another great idea in a few short months. This year I wanted something more meaningful than just personal improvement. If you recall the exercise scene in the movie Arthur 2 with Dudley Moore, entitled “On the Rocks, No Pain, No Gain,” Arthur’s grandmother tells him how her doctor recommended she get a little exercise. So she hires a personal trainer. At that time, I thought, “If she can do it, so can I” Well, this hunk of a guy comes to her home, where she proceeds to sit on the couch with tea cup in hand and turns on the workout music only to watch him go through a series of exercises. I’m sure many would think, “Well, that’s one way of scratching off an item from my New Year’s resolution list,” but when I look at my years of unfulfilled resolutions, I think, “why wait any longer?” The book I started writing some years ago remains unfinished, and getting more involved in serving my community seems to have taken on more of a sense of urgency this time.

Some attribute their lack of commitment to fear of failure, doubt, or simply letting life get in the way. Unfortunately, many of the most excellent intentions and inventions remain unfulfilled. Evangelist Joel Osteen once said, “Cemeteries are full of great ideas and inventions that never came to fruition,” which is a sobering reminder, especially as we get older. We are surrounded by those in our community who have amazing success stories and tireless efforts that have inspired others to get involved in making our community one that has gained national recognition. So why are we waiting?

I share a story of blues and rock guitar virtuoso Mike Imbasciani, who has not only entertained multiple generations of local followers for years but is now looking to inspire his generation. Using a combination of music and podcasts Mike challenges the younger generation to get more involved in local politics and become more self-reliant. He believes this leads to “self-sustainability.” We first saw Mike perform when he was so young a hat was passed around to pay him. I was amazed to learn he began playing guitar at five years of age and by 11 was playing professionally. He started his first band at 14 and has compiled a resume of venues he’s played, including The House of Blues in Orlando, Florida, and Tootsie’s Orchid Lounge in Nashville, Tennessee.

While there are many talented bands and musicians in the entertainment industry, Mike is wise beyond his age at 26. His music has entertained generations, but now he’s reaching out to a younger generation, challenging them to better understand economic and political decision-making bodies within their community and become more astute to the changes in the world today.

Growing up in a conservative household, Mike became more interested in politics in 2008. He said he liked listening to Rush Limbaugh and loved how he got his audience to laugh. While he was a conservative talk show host, Mike often heard Rush tell those who called him to do the research themselves and not just listen to one political party’s opinion. Several years ago, I was curious to hear about this radio personality people were talking about and tuned into his program to hear for myself. On that day, two 20-year-old young ladies expressed how they considered themselves more liberal and asked Rush if they should listen more to what he had to say. His reply astounded me: “You need to question everything you read and hear and then make your own decision based on what you’ve researched and not on what someone tells you.” Mike added, “Glenn Beck said the same years ago, “Do your own homework.”

Through his political and current events based internet podcast, which he calls “The Freedom Chronicles,” Mike wants to get his generation more involved in their community and to ask the questions most take at face value. He said too many people his age don’t want to listen to the news, as it is too biased. They become influenced by the latest opinions and trends found on social media. I heard this same viewpoint from former Younglife area director Tom Parker who said people use social media as their source of information and communication. I remember my interview with Tom, who said,” Today’s generation is more guarded and only shares what they want you to hear.” I learned from him pure communication is often missing, and no longer are they taught to question what is being presented to them, whether it is in school, on social media, or just the opinion of a friend.

Mike is looking at this next generation, which could run for office in a few years. He feels they need to stop relying on government handouts and start questioning the decision makers, parties, and what the media is promoting that are collectively influencing our thought processes. Mike recounted his experience and the negative feedback he received when incorporating the Beatle’s 1968 song, “Back in the U.S.S.R.,” into his repertoire. People asked why he would play a song that held life in the U.S.S.R. in such high regard. They never thought to research Paul McCartney’s thought process in writing the song, which was considered a musical satire that poked fun at just about everyone during that time. Mike explains this is what is going on today. “People don’t question, they take everything at face value, and there is no middle ground. People don’t talk to each other; they talk at each other,” a viewpoint I’ve had for years. He feels both sides of the aisle and the media share most of the blame. However, he feels it goes deeper, and people in general, and his generation in particular, need to get to the root cause of the things that impact society today. Many take the approach that until they feel it affects them personally, there is no need to take action, almost like the frog in boiling water. Mike wants to get people to draw their line in the sand and not play the role of the victim but take action before it is too late. He quoted Psychologist Jordan Peterson, who explained in a GQ interview the thought behind self-defense. He said, “You need to have the capacity for danger. You need to be dangerous. But you need to learn how not to use it except when necessary.” The premise behind his comment was to understand things are not always as they appear, and with knowledge of the underlying cause comes the ability to anticipate and protect one’s self. Mike feels most people are quick to point out the injustices they experience but aren’t willing to take the necessary steps to affect change. His goal is to get his generation, in particular, to start looking at the deeper motives of those that are driving the various issues such as abortion, Covid, the economy, cryptocurrency, the stock market, worldwide financial markets and trends, ongoing wars, and even CBDC (Central Bank Digital Currency; making your money programmable by the government), to name a few. In short, he wants his generation to understand who and what controls these issues that impact us all and how they benefit from them. He feels things are moving very quickly, yet there is a complacency where young people today think if they don’t see how it is affecting them, there is no sense of urgency to question it. He wants his generation to become more aware and self-reliant, which he feels will lead to being more self-sufficient and less dependent on government handouts, which only creates more dependency.

When questioned why he relates to older generations, Mike said he learns more from their life experiences, and having a grandfather who served in World War II has added to his interest in history. His podcasts are full of interesting guests who share their viewpoints, life experiences, and even some with rags-to-riches stories. A few such guests are comedian Bobby “Sauce” Saucilito, who entertains his audience using political humor to get people thinking. At the same time, Tyrone Jackson of “The Good Frank” fame talks about how they went from having a hot dog cart to creating their highly successful brand of hot dogs that arose when they researched the harmful ingredients that went into the hot dogs they sold from their cart.

Mike feels entertainment should be an outlet for us to enjoy and not be used as a political outlet, as we see in sports and entertainment today. “Music and other forms of entertainment can be interpreted in their own way, which keeps it on the individual level once again.” His “Simply Clapton” show pays tribute to this highly regarded artist and reaches across multiple generations. “Music, like comedy, is powerful where people can leave politics behind and forget about their problems.” Mike’s “Imbasciani Chronicles” on Apple Podcast, Youtube, and Spotify is another platform that is music and entertainment based, promotes more of a one-on-one conversation. His podcasts (The Freedom Chronicles and The Imbasciani Chronicles) aim to provide opportunities to get his audience to think about the issues of the day and to have a dialogue.

We tend to categorize people by the career they have chosen. We see them as doctors, lawyers, football players, and musicians, to name a few. Then we get to know them and find their backgrounds and interests astound us. Mike was that surprise and made me realize we each have a story to tell that could benefit the next generation. That in itself made me re-evaluate my New Year’s resolution.

Music is a language we all enjoy, and Mike and his “BluezRockerz” will continue to reach across generations, and with his “Simply Clapton” tribute show, hopes to reach a younger age who someday could become our next great leaders.

For a great night of entertainment, go to his website www.mikeimbasciani.com for all his upcoming shows. His political and current event’s based internet podcast, “The Freedom Chronicles,” can be viewed on Rumble (www.rumble.com), CTA (Conservative television of America www.CTVA.TV ) as well as YouTube, Spotify and Bitchute. Mike’s music and entertainment based one-on-one music-based podcast, “The Imbasciani Chronicles,” can be seen on YouTube, Spotify, and Apple Podcast.

 

-Gary Cardillo

Filed Under: Community Information Tagged With: charlotte county real estate, florida realtor, florida waterfront, freedom chronicles, gary cardillo, mike imbasciani, music, new years resolutions

Thanks…..Giving

December 14, 2022 by Gary Cardillo

I always look forward to this time of year, and believe it or not, it starts with Halloween. While each season brings us something different, I think the joy and anticipation of the holidays make this time of the year a little more special. It all begins with the fun on that ghoulish Halloween evening where we enjoy watching kids dress up as their favorite characters, filling their bags with candy as they “trick or treat” their way around the neighborhood. I remember those days dressing up in costume myself, coming home with enough candy to feed a small country, much to my dentist’s delight. As I’ve grown older, that exuberance has evolved into a satisfaction I see in others having on this fun-filled evening.

A few weeks later, we go from ghosts and goblins to pilgrims and turkeys. We welcome a season of thanksgiving and seem to rekindle more vital compassion for others. It is a time of year when our greatest joy comes from giving more than receiving. We seem to find inner peace in decorating our homes and listening to the season’s music, pausing to cherish each moment.

While I’ve always wanted to savor each holiday to its fullest, like many, we were ready to usher in the holidays earlier this year so we could inject a little joy into our lives after the devastating effects of Hurricane Ian. While I think most of us experienced less impact from this storm than we did from Hurricane Charley 18 years ago, it does make you stop and take stock of what is essential in life.

I recently had the opportunity again to be part of a unique team of volunteers assembled by Punta Gorda Police Officer Joe Angelini that hosted 51 foster families and 144 foster children to a holiday luncheon. This touching holiday event started seven years ago, a year after Joe became a resource officer at Sally Jones Elementary School. Always having had a special place in his heart for children, Joe recounts how the school principal asked him if he would take a little first-grade boy named Lucas under his wing. Joe agreed that the department would put him back patrolling the streets the following year, which was part of his service to the community he enjoyed. Little did Joe know the impact this child would have on him.

At the principal’s request, she asked if Joe would make time to have lunch with this young boy to build a bond and see if he could find out the cause of Lucas’ deviant behavior. Joe said at first he was puzzled why a child this age would exhibit such an incidence of this kind of behavior, but as Lucas opened up to Joe, he shared how he had bounced back in forth between 10 foster homes in Lee in Charlotte Counties in one year. It was then Joe realized this boy needed more stability and a bit of a father figure and confidant. Joe started to take Lucas off campus to places like McDonald’s, where he could experience some of the pleasures children in a more normalized home setting enjoyed. Through their time together, Joe gained an intimate insight into how children in Lucas’ situation were starving for a permanent place they could call home.

While we reminisced what it was like growing up and coming down Christmas morning to see the brightly colored presents Santa brought us the night before, Joe felt an emotional tug at his heart. He saw how the holidays often accentuated the transient hand these children were dealt. Despite the best efforts, these foster families were trying to provide the love and stability the children lacked. Joe felt these families and children needed more than a holiday lunch. They needed something where memories were made. He met with Pastor Tim Buck of First Methodist Church in Punta Gorda, now New Life Church, along with various community leaders and restauranteurs, and the groundwork was established. Hearing what Joe was planning, an elderly lady in the community anonymously provided presents for each one of the children. Joe confided, “She provided, and the Christmas Elves wrapped.”

Hearing of Joe’s love for these children, the Children’s Network of Florida has reached out to Joe with children and families in desperate need of holiday cheer that will carry them throughout the New Year. Joe told them, “If you know of a child in need, share that with us, and we’ll make sure their Christmas is a bit more special.”

Over these seven years, this 14-year Veteran of the Punta Gorda Police force has created an event to remember. The buffet-style luncheon is more like a feast with fresh roasted turkey and enough side dishes and desserts to feed an army. The food is delivered to the homeless shelter if anything is left over. After lunch, the children are treated to take part in a photo booth, a cookie decorating station, and one where they can create their ice cream sundaes. Of course, what holiday event would be complete without a personal visit and picture with Santa? Local musicians play holiday music throughout the event in the background, along with various festive decorations and lighted Christmas trees. It is a beautiful setting to behold. However, the best is yet to come.

Upon leaving, each child receives 3-4 personal gifts to take home, and the foster parents receive a festive holiday bag with all the side dish staples and a gift certificate to Publix for a turkey that will feed up to a family of twelve for a beautiful Christmas dinner.

I’ve often wondered what gives us the most satisfaction in life and as I’ve grown older it isn’t the presents I’ve received, it is the joy of giving, and the look of surprise on someone’s face that gives me the most pleasure. As I walked around the sea of tables, clearing them so the church could set up for their service the following morning, a couple of the children asked if they could clear the tables with me. To see these little ones that weren’t more than ten years of age wearing adult disposable gloves and clearing the tables with me spoke volumes about how grateful they were. They had no idea how much they touched my heart.

As Joe and I sat together recapping the day’s events, he said, “Gary, I think about this event every day of the year and how we can make it better and touch the lives of more families and children.” I thought, “You didn’t just make their lives better; you made mine better as well.” I was given the opportunity to give, and to me, that was priceless.

As the holidays quickly approach, we want to send our best wishes to you and your family for all the happiness this season brings, and that not only will you be blessed in the New Year, but so will the lives of others whose lives you touch.

-Gary Cardillo

Filed Under: Community Information Tagged With: adoption, charlotte county, foster families, gary cardillo, holiday luncheon, joe angelini, real estate, remax agent, remax harbor, volunteer

Q: What is happening in the real estate market and do you think it is going to crash?

November 1, 2022 by Gary Cardillo

A: I don’t think there is anyone who wasn’t aware how hot the real estate market was since the beginning of Covid, and the frenzied buying characteristic of that time. I’ve often wondered, “Why do humans panic so much, and who started the fear and supplied the response to that fear?” I’m sure many a forest was cleared to produce the paper needed for the consumption of toilet paper that was purchased. And what about hand sanitizer? With hurricanes we see water flying off the shelves and gas being purchased in amounts that could sustain a small town, let alone a single family. This is what happened with the housing market. Someone “Started the fire” as singer Bill Joel wrote in his song, and before you know it the real estate market took off to heights seldom seen before. Now that we’ve all taken a breath and realized Florida isn’t closing its borders to people looking to relocate from the north to purchase a home, we are all settling back to the normal real estate trends. We typically see fewer buyers this time of year as people are just starting to return from their summer getaways, and children are engrossed in school activities. The start of the typical “hot seasonal market” starts in January and runs throughout the late spring and early summer. The slowdown you are currently seeing with fewer buyers in the market is a stark contrast to what we’ve seen with the panic buying the past couple of years, but the sky isn’t falling.

 

Yes, interest rates will play a role for some, but keep in mind those that purchased homes the past few years paid cash or borrowed around 50%. Those that purchased did so as a permanent move, and not so much as an investment. We don’t see short sales and defaults due to sub prime mortgage lending. In short we don’t see a market crash. In fact we see well priced properties continue to be in hot demand as this part of Florida offers a more affordable way of life than many other areas around the state or country.

 

What I am hearing is some people who are “hurricane weary” saying they are considering a move, as they don’t want to go through another storm and the cleanup aftermath. If you are one of them, before you do anything please give us a call. This is not a solicitation to list your home and to wish you much success on your move, but to help you decide if making a move is really going to give you the peace of mind and enjoyment you are seeking. People buy and sell real estate on emotion, and that emotional desire is different for everyone. There isn’t an area in the country that isn’t impacted by one form of catastrophic weather or another, but there is a reason you came to Florida. The two pieces of advice we would give anyone giving serious thought to a move would be 1. Research the area you are considering and determine if it really provides you all the things that meet your interests, and not just an emotional escape. 2. Know the value of your home. When Hurricane Charley impacted us there were countless stories of people coming in and preying on the emotions of those most severely impacted, especially the elderly. They agreed to accepting extremely low offers and in some cases even signed over their insurance benefits. Our goal is, and always has been, to give honest advice and insight to the market. If a move is a serious consideration, make sure it is for all the right reasons. Who knows, you may find in a short time your current home and community in which you live offers you the best quality of life you’ve been seeking.

Filed Under: Buying Real Estate, Selling Real Estate Tagged With: charlotte county, for sale, gary cardillo, hurricane ian, market update, real estate, sold

Hurricane Ian and The Art of War

November 1, 2022 by Gary Cardillo

It seems like yesterday when Hurricane Charley came ashore and devastated our area. Call it complacency or just lack of experience, but I haven’t come across anyone who thought that storm was going to take a right-hand turn into Charlotte Harbor and create the devastating damage that it did. Perhaps it was due to having a Governor whose brother was the President of the United States at the time, but the speed at which our area was back on its feet was miraculous, and one that was well-documented in the media. The community came together and with the help of a master planner, our city came back better and stronger than anyone could have imagined. What struck me most was the heartfelt compassion so many had who came to our rescue. Those who tried to gouge, or take advantage of us were quickly dealt with, while others came from all over the country to lend their support.

Our friend and insurance agent was Bill Martin, who owned the State Farm Agency in Punta Gorda at the time. I remember seeing him manning the makeshift State Farm command center that was set up in the Publix Shopping center parking lot in Port Charlotte. People were searching for answers on what to do, still somewhat in shock from the devastation that came upon us almost without warning. Watching Bill handle each person with such style and grace was like having your security blanket. You couldn’t help but feel his sincerity that we would get through this together. For us, it was a seamless transition, as the field adjuster who came to our home was equally caring and conveyed that same feeling that we would be well taken care of, and we were.

Having a home 15 ft. from a seawall doesn’t give you much hope if a storm surge is in the forecast, and just like Charley, we weren’t expecting to come back to a home with Hurricane Ian either. Fortunately for us, we were spared however, our sense of being in good hands was to be short-lived.

Most would agree, Hurricane Charley, inflicted more damage to our area than Hurricane Ian. Perhaps it is due to newer building codes or after going through one hurricane we protected our homes and businesses much better, but overall I think for the exception of some, most fared a bit better. Having dodged a bullet of sorts, I felt based on our past claim experience with Charley, this would be handled with the same compassion. Unfortunately, Bill had retired and the field adjuster we had this time had an agenda. It was very apparent from the outset his goal was to help us as little as possible in recovering from the loss we incurred.

I’ve never been an ambulance chaser and don’t believe in cheating the system to claim things we are not entitled, but when you don’t put in for claims and still get increases in your premiums, it is a hard pill to swallow when in your time of need you are treated like the adversary.

Having been a Realtor for 18 years, we’ve helped many clients over those years navigate inspection reports and repairs so they can enjoy a smooth closing. We’ve learned a great deal from inspectors and contractors alike, and the difference between a repair and replacement. So you can imagine my frustration when our insurance field adjuster went on our 18-year-old roof and after surveying all the broken tiles said, “This can be repaired.” When I asked him about all the loose tiles he missed he replied, “Let me know if you see anything and I’ll add it to my report.” Anyone who knows me, knows I don’t like heights. Unless my roof was the height of my dining room table I wasn’t going to climb my roof to point out all the tiles he missed….thus began my “Art of War.”

Sun Tzu’s, “The Art of War,” is a philosophy that war should be avoided and if it can’t it should be fought psychologically and strategically to minimize loss or damage. Having worked in cut-throat industries in New York City, applying the principles of Sun Tzu’s approach would be the last thing I would have been taught to consider. Do I take the field adjuster’s ladder away and leave him up on the roof so he can see all the damage the roofers who did go up on the roof point out to me? Do I toss him up a stronger pair of glasses? Maybe I even ask if he’s even done this before? I’m sure those approaches wouldn’t work in my favor, but when your insurance company tells you that you need a repair and the suppliers for roofing materials they gave you say “Your tile was discontinued a “long, long time ago,” you realize you have to fight for yourself. So like many, I now have to fight my battle with contractors I have little or no experience with, and for someone who doesn’t know where to turn, this can be frightening.

How do you know which roofer is being honest with you and not just looking to gouge the insurance company, when all you need is a repair? What about all the other damage to your pool cage or other items that were destroyed? It starts with having a good insurance broker who can guide you through the claims process. Then if you aren’t fortunate enough to get an adjuster who is keeping your best interests in mind, you have to get as many opinions and references as possible before signing anything. Whatever you do, don’t sign over your benefits, otherwise known as A.O.B., and not to be confused with New York Congresswoman A.O.C.

A.O.B. is the acronym for “Assignment Of Benefits” and some people have unwittingly fallen victim to signing these over to a third party, who can be a roofing contractor or someone claiming to be working in your best interests. For those of you unfamiliar with the process, by signing over your claim benefits you are now on the outside looking in as all decisions and reimbursements will be going to the third party. You are no longer in control of your insurance benefits or reimbursements. In Florida, you do have a 14-day rescission period in which to cancel that agreement, but it is best to seek the advice of an attorney or your insurance broker before signing anything. Some people will automatically engage the services of a public adjuster to fight their battles. I look at this as more the last option than my first. Public adjusters on average will make ten percent of the total claim. If the insurance company doesn’t reimburse you enough to cover their “commission” you are on the hook. If you have a deductible of $5,000-10,000 and you have $60,000-100,000 in damages, and the insurance company is only looking to cover the cost for damages and nothing more, you could be out of pocket another $6,000-10,000 on top of your deductible. Another thing to consider is the contract you are signing with a roofer. Are you bound to them regardless of whether they get enough money to complete your roof repair or replacement, or are you responsible to make up the difference? Questions you need to ask aside from getting a quote and an estimated time of completion to complete the job are 1. Is there a cancellation period in the contract should I decide to terminate this agreement? 2. Am I bound to you if the insurance company is unwilling to agree to your estimate?

While I’ve been sharing my experience with a roofer and an insurance company that seems more concerned with their interests than helping us through this time, there is a reason many of you may be experiencing what we are. Ask any insurance broker how many questionable claims for new roofs were submitted years after Hurricane Irma impacted Florida. They’ve shared with us the weather-related causes we just didn’t experience, but that it was cheaper to pay the claim than battle in court. As a result, insurance companies are now insuring roofs for less time than the projected lifespan from the manufacturer. On average, an insurance company will insure a shingle roof for 10-15 years, a tile roof for 20-25 years, and a metal roof for 25-30 years before requiring you to replace it to continue coverage. The question becomes, “Is the insurance company looking to “repair” when you need a replacement, knowing in a few short years you’ll need to incur the cost of replacement yourself?” The important thing to keep in mind is to get several estimates from respectable contractors who have good reviews and standing with the Better Business Bureau. For those living in the general area, you can always reach out to the Charlotte Desoto Building Industry Association otherwise known as the CDBIA. They are comprised of local contractors, lenders, and related trades and services that can give you guidance and resources when needed. While none of us want to wait for a prolonged period to get our homes put back together, don’t feel pressured to sign a contract until you’ve thoroughly researched the company and the contract. Our understanding is you have up to a year to file a claim, but check with your insurance broker to verify the details of your policy.

Despite going through a major storm for the second time in 18 years, we are safe and just like last time, our homes and our community will come back better than before, and we’ll all grow a little closer to each other.

 

-Gary Cardillo

Filed Under: Community Information Tagged With: art of war, cdbia, community, florida waterfront, gary cardillo, hurricane charley, hurricane ian, punta gorda, realtor punta gorda, swflstrong

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    By email: Info@FLwaterfrontliving.com
    Mobile: 941-916-0939
    Address: RE/MAX Harbor Realty
    2815 Tamiami Trail
    Punta Gorda, FL 33950

    About The Gary Cardillo Group

    Gary Cardillo, Realtor While most people would like to talk about themselves, Gary and Gail have always put their clients first, and their diverse backgrounds have provided their clients an unparalleled level of service and knowledge throughout the past years.
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    The Gary Cardillo Group • RE/MAX Harbor Realty
    2815 Tamiami Trail • Punta Gorda, FL 33950
    941-916-0939
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