S&P/Case-Shiller composite index of house prices in 20 metropolitan areas rose 1.6 percent in July from June — more than triple the estimate of a 0.5 percent rise found in a recent Reuters poll.  The monthly price increases helped the annual rates, with the yearly pace of declines in home prices slowing to a 12.8% drop in the 10-city index and 13.3% downturn in the 20-city index.  “These figures continue to support an indication of stabilization in national real estate values, but we do need to be cautious in coming months to assess whether the housing market will weather the expiration of the Federal First-Time Buyer’s Tax Credit in November, anticipated higher unemployment rates and a possible increase in foreclosures,” said David Blitzer, chairman of the index committee at S&P.  Despite the overall improvement, annual rates for all metro areas and the two composites remain in negative territory, with 14 of the 20 metro areas and both composites in double digits, S&P said.

Mortgage rates to rise?

The Fed has been buying mortgage-backed securities since late 2008. But next month it plans to finish its purchase of $1.25 trillion in mortgages, and that could be bad news. There is wide agreement that the removal of this support will mean higher mortgage rates, which could hit housing prices and sales hard. Some even worry that it could cause the broader economic recovery to stall.  The program was the largest single injection of cash into the economy by the Fed during the financial crisis, and it will be the longest-lasting source of funds as well. Even though the Fed intends to stop buying mortgages, few people expect that the central bank will start selling them to private investors any time in the next few years.  even if the Fed holds onto the mortgages it has already purchased, the act of no longer buying additional mortgages is likely to raise mortgage rates in the coming weeks.

Experts say a jump of at least a quarter to a half percentage point is likely.  San Francisco Federal Reserve President Janet Yellen warned of higher rates in a speech Monday.  Fed Chairman Ben Bernanke is likely to take questions about the Fed’s mortgage program when he testifies about economic conditions on Capitol Hill Wednesday and Thursday.  The worries about the Fed pulling back support for housing are compounded by the end of up to $8,000 in tax credits for home buyers. To qualify, buyers face an April 30 deadline to sign a sales contract.  Dean Baker, co-director of the Center for Economic and Policy Research, argues that the Fed’s program and tax credit for home buyers “ended the free fall in home prices.”  But he thinks that the removal of this support could mean that home prices could start to drop by as much as 1% a month again. He also thinks mortgage rates could climb by as much as a percentage point in the coming months.

Fed raises discount rate

The Federal Reserve said yesterday it is raising the rate it charges banks that borrow from the central bank when they run short of funds by a quarter percentage point, or 25 basis points, to 0.75%. The central bank said in a statement it made the move in response to improving financial market conditions.  Don’t everyone panic here, because the move is largely symbolic – banks do little borrowing at the discount window and the discount rate has no effect on the more widely watched federal funds rate, which measures the rate banks charge each other for overnight loans. That rate is expected to remain between 0% and 0.25% for the foreseeable future, given the slack in the labor market and the still fragile state of the economy.  But raising the discount rate allows Federal Reserve chairman Ben Bernanke to take another small step toward normal monetary policy, after the past two last years of  financial firefight.  The Fed also shortened the term of some discount window loans and raised the minimum bid in the term auction facilities it uses to supply overnight funds to banks. The central bank said Thursday’s increase should “encourage depository institutions to rely on private funding markets for short-term credit and to use the Federal Reserve’s primary credit facility only as a backup source of funds” and added that it will “assess over time whether further increases in the spread are appropriate.”  It added: “The modifications are not expected to lead to tighter financial conditions for households and businesses and do not signal any change in the outlook for the economy or for monetary policy.”

Fed raises discount rate

The Federal Reserve said yesterday it is raising the rate it charges banks that borrow from the central bank when they run short of funds by a quarter percentage point, or 25 basis points, to 0.75%. The central bank said in a statement it made the move in response to improving financial market conditions.  Don’t everyone panic here, because the move is largely symbolic – banks do little borrowing at the discount window and the discount rate has no effect on the more widely watched federal funds rate, which measures the rate banks charge each other for overnight loans. That rate is expected to remain between 0% and 0.25% for the foreseeable future, given the slack in the labor market and the still fragile state of the economy.  But raising the discount rate allows Federal Reserve chairman Ben Bernanke to take another small step toward normal monetary policy, after the past two last years of  financial firefight.  The Fed also shortened the term of some discount window loans and raised the minimum bid in the term auction facilities it uses to supply overnight funds to banks. The central bank said Thursday’s increase should “encourage depository institutions to rely on private funding markets for short-term credit and to use the Federal Reserve’s primary credit facility only as a backup source of funds” and added that it will “assess over time whether further increases in the spread are appropriate.”  It added: “The modifications are not expected to lead to tighter financial conditions for households and businesses and do not signal any change in the outlook for the economy or for monetary policy.”

House prices up for the month, down for the year

S&P/Case-Shiller composite index of house prices in 20 metropolitan areas rose 1.6 percent in July from June — more than triple the estimate of a 0.5 percent rise found in a recent Reuters poll.  The monthly price increases helped the annual rates, with the yearly pace of declines in home prices slowing to a 12.8% drop in the 10-city index and 13.3% downturn in the 20-city index.  “These figures continue to support an indication of stabilization in national real estate values, but we do need to be cautious in coming months to assess whether the housing market will weather the expiration of the Federal First-Time Buyer’s Tax Credit in November, anticipated higher unemployment rates and a possible increase in foreclosures,” said David Blitzer, chairman of the index committee at S&P.  Despite the overall improvement, annual rates for all metro areas and the two composites remain in negative territory, with 14 of the 20 metro areas and both composites in double digits, S&P said.

Tax credit lures nearly half of all first-time buyers

According to a survey conducted by Harris Interactive on behalf of Zillow.com, 18% of prospective first-time homebuyers said extending the credit from Dec. 1, 2009 to Nov. 30, 2010 would be the “primary influence” in their decision to purchase a home.  An additional 25% said it would be a “significant influence,” 27% said it would have “some influence,” and 31% said it would have “no influence.”  Zillow projects 1.86m homebuyers stand to take advantage of the program if it is extended, and if all potential buyers took the full tax credit, extending the program could cost $14.86bn.  Zillow.com chief economist Stan Humphries said of all homebuyers expected under the 12-month extension through 2010, only one in five homebuyers will enter the market specifically because of the extended tax credit.  In other words, 334,000 mortgages will open because of the tax credit extension.  “While 334,000 may seem like a small number relative to the total number of homebuyers who would claim the credit, their addition to the market next year could make the difference between a robust annual increase in home sales next year and a flat or negative change in home sales relative to this year,” Humphries said.

Tampa Coastal
Tampa Coastal Homes

I am here to pass on information that Is important to the market. Recent actions

by some of our government institutions and rule makers has laid evidence to what is a tolerance

for \\\”invetors\\\” in short sale and REO
flipping.

In fact short sale and reo or “bank owned” flipping of  properties are becoming more and more accepted by
the government and major lending institutions. This
is evidenced, among other things, by Freddie Mac’s
recent bulletins, updated credit policies by major
lenders allowing for C buyer financing, and revised
title bulletins stating that the C purchase price does
not need to be revealed to the A lender as long as
certain disclosures are made. 

Last Friday the FHA has rescinded its 90 anti-flipping
rule and will, for a period of 1 year, allow FHA buyers
to obtain loans on properties that have been recently
purchased by investors who intend to flip them for a
profit.

This “green light” by FHA means that if you’ve been on
the sidelines of property flipping, you need to educate
yourself as soon as possible, because investors will be
coming on strong for 2010 given this latest news.

Visit my site and blogs regularly as I am dedicated to informing you

on the latest market conditions..if this sounds like greek to you

hold on .. in the next few weeks as this unfolds I will update you

on these conditions

Have a Great Day/// Bonnie Fagoh

The beauty and wonderful climate of Spain make it an ideal place for people around the world to purchase property. Exquisite Spanish villas are abundant throughout the country. There are numerous locations to choose from, each offering a unique environment for either a permanent residence or a relaxing vacation home.

The country’s capital, Madrid, is the cultural and business hub of Spain. Those who choose to purchase their home in Madrid will never have a lack of exciting things to do. There are several interesting museums, extraordinary opportunities for shopping, and the hottest nightlife in Europe. Mod cafes, boutiques, and bars scatter the busy streets.

Madrid has drastic seasonal climate changes with very cold winters and hot summers. A villa in Madrid is a perfect location for those who like to be in the center of the action. Summer holiday villas are quite popular in this area.

The Mediterranean temperatures of Barcelona provide year round comfort. The winters are mild and the summers are warm and sultry here. Barcelona offers various locations to please every property buyer. The center of the city boasts historical charm as well as the hustle and bustle of a modern town. Museums, galleries, and multi-cultural nightlife are all readily available to residents.

Quiet, suburban areas can be found in Barcelona as well. Lush, mountainous areas of the city offer a tranquil retreat from everyday life. The coastal side of Barcelona is a vacationer’s dream with a selection of delightful villas overlooking the crystal clear water of the Mediterranean Sea.

Spain’s Mediterranean coastline is one of the most popular areas for new buyers. Costa Brava is the most northern area of the Costas, offering cooler temperatures on both the winter and summer. The natural landscapes appeal to those wanting a peaceful villa by the sea. Costa del Sol is an area of rapid expansion due to tourism. Golfing resorts abound and the weather is perfect year round.

Some of Spain’s best beaches can be found in Costa Blanca. The beautiful sandy white beaches stretch along the edge of the city while numerous hiking trails travel into the serene mountains of the region. The Costas are only minutes from the hustle of Barcelona, making these regions perfect for a quiet get away with easy access to shopping and entertainment.

The rural inland towns of Spain are home to the country’s agricultural history. Vacationers are fond of these towns because of the excellent climate for cultivation. Though regular irrigation is necessary, the villas across inland Spain feature gorgeous gardens and landscaping.

The Balearic Islands along Spain’s Mediterranean coast are popular tourist locations. These lush islands offer miles of gorgeous beaches. Most of the Balearic Islands are highly developed resort locations perfect for summer vacationing. The island of Menorca is the least developed of this area and offers tranquil villas on the sea while Ibiza is buzzing at all hours with popular entertainment and nightlife. The Balearic Islands are ideal for holiday homes, but the cities center around the tourism industry and many businesses close for the winter.

The tropical like Canary Islands are loved by many for both permanent and second residences. These islands sit in the Atlantic Ocean and enjoy a breezy spring climate all year long. The inland areas of the Canary Islands are lush and green offering perfect conditions for tropical growth.

The northern Spanish coast of the Iberian Peninsula is referred to as the Basque Country. This area is full of history and culture. The wealthy Basque Country offers peaceful properties away from the bustle of tourism.

Derek Both
http://www.articlesbase.com/non-fiction-articles/guide-to-buying-property-in-spain-103397.html

Yep,they say that the hurricanes scared some folks away from Florida. Well, I just came up with a really good reason for you to revisit the state. Florida contains some of the finest Bed and Breakfast inns in the nation, and below I present some of the ones that stood out to me.

1. The Addison is a serene 14-room inn representing a unique blend of old-style elegance with modern amenities. Traditionally, the values may seem to clash but the builders and owners have merged them together in a beautiful blend. This Inn was selected as one of the ten Best Overall Inns of 2009-2010 by BedandBreakfast.com. It also consistently maintains a number one ranking on TripAdvisor.com. Located on Amelia Island in the historic district of Fernandina Beach, the rooms feature porches for relaxation and an enchanting fountain courtyard. The area is a nature-lover’s paradise with pristine beaches, four major State Parks and a National Park. One can bike, hike, play golf, horseback ride, shell, bird watch, or go backwater or deep sea fishing. Signature breakfast dishes include fresh fruit smoothies, breakfast in a boat (baked potato shell stuffed with scrambled eggs, cheese, and crumbled bacon), banana pancakes with pecan toffee syrup, spicy breakfast quesadillas, praline French toast, and perfect Peruvian coffee.

2. If you can look past the wild and funky website, the Cedar Key B & B is an inn well worth visiting! Located in the second oldest city in Florida, the historic inn was built in 1880. Originally, the town was known for its cedar, out of which Eagle and Eberhardt pencils were produced; today its claims to fame are clam farming and tourism. Besides boasting some of the cleanest and most comfortable lodgings imaginable, this inn’s draw is also the amazing array of activities in the area: boating, kayaking, air boats, fishing, bird watching, playing with dolphins, biking, hiking, scuba diving, plus a famous Arts festival and the October Seafood Festival. Or if you like football, attend a Florida Gators game in nearby Gainesville. A few nice added features of the inn is the pet friendly status, last minute specials, delicious breakfast, and an endless array of amenities such as teas, cookies, biscotti, hot chocolates, coffees, and a bottomless jar of the freshest homemade cookies you’ve ever placed in your mouth.

3. Casa Grandview is located in the vibrant, upscale city of West Palm Beach. This Bed & Breakfast combines some of the most desirable features of the secluded and quaint B & Bs with the services of a luxury resort. The Casa offers romantic cottages, quaint bungalows, art deco cabana suites, stylish tropical coastal villas, and classic city oasis retreats. What a fabulous array of choices, many with kitchens, elaborate baths, and spacious living areas. The owners stock each suite with only the best gourmet foods for your breakfast, and, if desired, for additional meals. Everything you need is available including complimentary Wi-Fi, HD TVs, premium satellite service, music and movie channels, iPod docking stations, and CD players. You can even check emails and surf the web while catching some rays poolside or dozing in a hammock. You will be waited on with 5-star service or left alone for some glorious privacy. Whatever you want is what you get at Casa Grandview.

4. Elizabeth Pointe Lodge is a Nantucket ’shingle style’ inn that overlooks the rich blue Atlantic. What can I say? USA Today deemed this oceanfront inn as one of the 10 greatest places to sit on the porch. Travel and Leisure magazine recognized it as one of the fifty great beach resorts in our nation. The book, 1000 Places to See Before You Die, tagged this as a place where the emphasis is on pure relaxation. The Road Best Traveled distinguished the inn as one of the 12 Best Waterfront Inns in America. The honors go on and on. Besides offering full concierge service and 24 hour room service, there are also gourmet treats offered all day, a lavish wine and hors d’oeuvres reception each evening, and an oceanfront breakfast with scads of sumptuous offerings in the sunroom. In every way, Elizabeth Pointe is determined to go above and beyond your needs and expectations.

5. Florida Trend Magazine states that the Herlong Mansion of Micanopy, Florida is “easily Florida’s most elegant Bed & Breakfast.” In case you don’t know, this quiet little town is south of Gainesville, near Cross Creek, the village the author of The Yearling made famous. The ten fireplaces and high ceilings of the inn are perfectly accented with mission oak woodwork and mahogany inlaid floors. Photos can never do justice to the warm beauty of this place. Wide verandas between enormous pillars on the first and second floors contain cushioned swings that overlook an impeccably manicured lawn with ancient towering oaks. The breakfast isn’t wildly fancy but offers delicious traditional fare such as homemade biscuits and perfect omelettes, rich coffee, and apple bread. And, if you like, you can have a candlelit four-course dinner catered with roses, champagne, the works. Treat yourself to casual elegance for just one night, or more…

6. The Seven Sisters Inn is located in Ocala, Florida, region of rolling green hills and thoroughbred horse ranches. Built in 1888, the Queen Anne Victorian home was judged a “Best Restoration Project” and is listed prominently in the National Register of Historic Places. One startling uniqueness of this inn is the rooms, which feature décor from the four corners of the globe. One enters through elaborately carved Indonesian doors, then there is a Bengal Safari room, a Cape Cod Lighthouse room, an Egyptian Treasure room, an Oriental Zen-like room, and a room from Old Paris featuring imported French fabrics and décor. Visitors feel as if they are traveling the world as they lounge in front of their fireplaces or relax with spa showers, Jacuzzi, Victorian soaking tubs, and heated towel bars. And when you wake the next morning, get ready for an award winning breakfast on white china and crystal, including three-cheese French toast with Ginger Peaches, Eggs Pesto, Chicken Puffed Pastry, Raspberry-Oatmeal pancakes, or Tomato-Zucchini Quiche. The “Seven Sisters” will make you happy.

7. The Williams is a beautifully restored antebellum mansion located in the historic seaside village of Fernandina Beach. There are three separate buildings, each offering rooms for guests: the Williams House, the Hearthstone House, and the Carriage House. You will be captivated by intricate moldings, massive pocket doors, true wood floors, and hand-carved mantles created from heart pine, cherry, or mahogany. Sweeping verandas, original tiled fireplaces and crystal chandeliers make visitors feel as if they’ve slipped into a time warp. If you appreciate the days when great pride and craft were marks of the homes of the wealthy, you will love the William’s House. But it isn’t just a home to wander. The owners cater to your whims, including your desire to wake to a breakfast you’ll remember. Your first course will feature fresh fruit and muffins, scones, or pound cake. Your second course may include strawberry croissant French toast or blueberry strata. Enjoy this with fresh orange juice or rich Colombian coffee. No one will leave the William’s House either hungry or unhappy.

8. Can you keep a secret? There is a Bed & Breakfast inn in Key West called Atlantis House. This is one of those places you will not want to tell your friends about, lest the next time you want to book a night there, it will be booked two or three months ahead. It has only two exclusive rooms: that’s right, the Master suite and the Garden suite. The owners, Steve and Kayla Kessler designed, built, and maintain the property themselves. The inn is nestled in a lush tropical garden bordering the roiling Atlantic. Not long ago, this inn was awarded “The Best of the South” award from BedandBreakfast.com, and it was deserved. I just don’t know how they found the thing. If you want, you can kick back on your own sun deck or spend some romantic moments in the breezy, vine-covered gazebo. Or if you’re a little more adventurous, Steve happens to be a licensed Captain and with his boat, The Contender, he’ll be happy to take you fishing. Then Steve and Kayla will prepare you the perfect dinner with “the catch of the day,” or maybe a lobster Steve caught for your dining pleasure. Steve can also offer private, guided snorkeling tours of the most beautiful coral reef in the Continental United States. Then, after a hard day of sunning or fishing, Kayla, a massage therapist, can massage all your troubles away. Now remember, this is our little secret, cross your heart.

9. Palmer House is an inn nestled in a little town called Lithia, Florida. This is another B & B that was listed by BedandBreakfast.com as one of the “Best in the South” for 2009-2010. It’s a very tranquil place with grandfather oaks, butterfly gardens, hammocks, and bicycle trails. But, hang onto your hats, because nearby are almost all the tourist attractions Florida offers, including Orlando’s. In fact, Lithia is the perfect location from which you can go for day trips either to Busch Gardens or the Tampa Bay Bucs on the Gulf coast or Disney World and Universal Studios on the Atlantic coast. You’ll get home in time for some cookies and milk before bedtime and you’ll awaken the next morning to fresh coffee, quiche, a breakfast casserole, and their signature dish, almond-crusted French toast.

10. On charming Anna Maria Island, near Sarasota, Florida, you will find the Harrington House. It is actually comprised of the Main Inn, the Carriage House, the Huth House, and the Dodt House. You thus have the option of staying in a bungalow, a beach house, a villa or a condo. You can lounge on your balcony opening out onto the Gulf of Mexico, you can kayak with the dolphins, tour the island by bicycle, or swim in the Gulf or the heated pool. Nearby Sarasota and Bradenton offer the Ringling Museum of Art, Selby Botanical Gardens, the Bishop Planetarium, shopping at St. Armand’s Circle, or fine dining at Longboat Key. But, whatever you do, don’t miss the Harrington chef’s most popular breakfast dishes: Buttermilk Pancake Sundae or Jo’s Bacon and Crab Roll.

Yes, in a state chock full of Bed & Breakfast inns, these are a few of the ones I wanted to introduce you to. Maybe there are others to equal some of these. However, I don’t think you’ll be disappointed with any of those described above. It’s time you discover the world of difference between a typical hotel and a Bed & Breakfast inn.

Debra Fortosis

Yep,they say that the hurricanes scared some folks away from Florida. Well, I just came up with a really good reason for you to revisit the state. Florida contains some of the finest Bed and Breakfast inns in the nation, and below I present some of the ones that stood out to me.

1. The Addison is a serene 14-room inn representing a unique blend of old-style elegance with modern amenities. Traditionally, the values may seem to clash but the builders and owners have merged them together in a beautiful blend. This Inn was selected as one of the ten Best Overall Inns of 2009-2010 by BedandBreakfast.com. It also consistently maintains a number one ranking on TripAdvisor.com. Located on Amelia Island in the historic district of Fernandina Beach, the rooms feature porches for relaxation and an enchanting fountain courtyard. The area is a nature-lover’s paradise with pristine beaches, four major State Parks and a National Park. One can bike, hike, play golf, horseback ride, shell, bird watch, or go backwater or deep sea fishing. Signature breakfast dishes include fresh fruit smoothies, breakfast in a boat (baked potato shell stuffed with scrambled eggs, cheese, and crumbled bacon), banana pancakes with pecan toffee syrup, spicy breakfast quesadillas, praline French toast, and perfect Peruvian coffee.

2. If you can look past the wild and funky website, the Cedar Key B & B is an inn well worth visiting! Located in the second oldest city in Florida, the historic inn was built in 1880. Originally, the town was known for its cedar, out of which Eagle and Eberhardt pencils were produced; today its claims to fame are clam farming and tourism. Besides boasting some of the cleanest and most comfortable lodgings imaginable, this inn’s draw is also the amazing array of activities in the area: boating, kayaking, air boats, fishing, bird watching, playing with dolphins, biking, hiking, scuba diving, plus a famous Arts festival and the October Seafood Festival. Or if you like football, attend a Florida Gators game in nearby Gainesville. A few nice added features of the inn is the pet friendly status, last minute specials, delicious breakfast, and an endless array of amenities such as teas, cookies, biscotti, hot chocolates, coffees, and a bottomless jar of the freshest homemade cookies you’ve ever placed in your mouth.

3. Casa Grandview is located in the vibrant, upscale city of West Palm Beach. This Bed & Breakfast combines some of the most desirable features of the secluded and quaint B & Bs with the services of a luxury resort. The Casa offers romantic cottages, quaint bungalows, art deco cabana suites, stylish tropical coastal villas, and classic city oasis retreats. What a fabulous array of choices, many with kitchens, elaborate baths, and spacious living areas. The owners stock each suite with only the best gourmet foods for your breakfast, and, if desired, for additional meals. Everything you need is available including complimentary Wi-Fi, HD TVs, premium satellite service, music and movie channels, iPod docking stations, and CD players. You can even check emails and surf the web while catching some rays poolside or dozing in a hammock. You will be waited on with 5-star service or left alone for some glorious privacy. Whatever you want is what you get at Casa Grandview.

4. Elizabeth Pointe Lodge is a Nantucket ’shingle style’ inn that overlooks the rich blue Atlantic. What can I say? USA Today deemed this oceanfront inn as one of the 10 greatest places to sit on the porch. Travel and Leisure magazine recognized it as one of the fifty great beach resorts in our nation. The book, 1000 Places to See Before You Die, tagged this as a place where the emphasis is on pure relaxation. The Road Best Traveled distinguished the inn as one of the 12 Best Waterfront Inns in America. The honors go on and on. Besides offering full concierge service and 24 hour room service, there are also gourmet treats offered all day, a lavish wine and hors d’oeuvres reception each evening, and an oceanfront breakfast with scads of sumptuous offerings in the sunroom. In every way, Elizabeth Pointe is determined to go above and beyond your needs and expectations.

5. Florida Trend Magazine states that the Herlong Mansion of Micanopy, Florida is “easily Florida’s most elegant Bed & Breakfast.” In case you don’t know, this quiet little town is south of Gainesville, near Cross Creek, the village the author of The Yearling made famous. The ten fireplaces and high ceilings of the inn are perfectly accented with mission oak woodwork and mahogany inlaid floors. Photos can never do justice to the warm beauty of this place. Wide verandas between enormous pillars on the first and second floors contain cushioned swings that overlook an impeccably manicured lawn with ancient towering oaks. The breakfast isn’t wildly fancy but offers delicious traditional fare such as homemade biscuits and perfect omelettes, rich coffee, and apple bread. And, if you like, you can have a candlelit four-course dinner catered with roses, champagne, the works. Treat yourself to casual elegance for just one night, or more…

6. The Seven Sisters Inn is located in Ocala, Florida, region of rolling green hills and thoroughbred horse ranches. Built in 1888, the Queen Anne Victorian home was judged a “Best Restoration Project” and is listed prominently in the National Register of Historic Places. One startling uniqueness of this inn is the rooms, which feature décor from the four corners of the globe. One enters through elaborately carved Indonesian doors, then there is a Bengal Safari room, a Cape Cod Lighthouse room, an Egyptian Treasure room, an Oriental Zen-like room, and a room from Old Paris featuring imported French fabrics and décor. Visitors feel as if they are traveling the world as they lounge in front of their fireplaces or relax with spa showers, Jacuzzi, Victorian soaking tubs, and heated towel bars. And when you wake the next morning, get ready for an award winning breakfast on white china and crystal, including three-cheese French toast with Ginger Peaches, Eggs Pesto, Chicken Puffed Pastry, Raspberry-Oatmeal pancakes, or Tomato-Zucchini Quiche. The “Seven Sisters” will make you happy.

7. The Williams is a beautifully restored antebellum mansion located in the historic seaside village of Fernandina Beach. There are three separate buildings, each offering rooms for guests: the Williams House, the Hearthstone House, and the Carriage House. You will be captivated by intricate moldings, massive pocket doors, true wood floors, and hand-carved mantles created from heart pine, cherry, or mahogany. Sweeping verandas, original tiled fireplaces and crystal chandeliers make visitors feel as if they’ve slipped into a time warp. If you appreciate the days when great pride and craft were marks of the homes of the wealthy, you will love the William’s House. But it isn’t just a home to wander. The owners cater to your whims, including your desire to wake to a breakfast you’ll remember. Your first course will feature fresh fruit and muffins, scones, or pound cake. Your second course may include strawberry croissant French toast or blueberry strata. Enjoy this with fresh orange juice or rich Colombian coffee. No one will leave the William’s House either hungry or unhappy.

8. Can you keep a secret? There is a Bed & Breakfast inn in Key West called Atlantis House. This is one of those places you will not want to tell your friends about, lest the next time you want to book a night there, it will be booked two or three months ahead. It has only two exclusive rooms: that’s right, the Master suite and the Garden suite. The owners, Steve and Kayla Kessler designed, built, and maintain the property themselves. The inn is nestled in a lush tropical garden bordering the roiling Atlantic. Not long ago, this inn was awarded “The Best of the South” award from BedandBreakfast.com, and it was deserved. I just don’t know how they found the thing. If you want, you can kick back on your own sun deck or spend some romantic moments in the breezy, vine-covered gazebo. Or if you’re a little more adventurous, Steve happens to be a licensed Captain and with his boat, The Contender, he’ll be happy to take you fishing. Then Steve and Kayla will prepare you the perfect dinner with “the catch of the day,” or maybe a lobster Steve caught for your dining pleasure. Steve can also offer private, guided snorkeling tours of the most beautiful coral reef in the Continental United States. Then, after a hard day of sunning or fishing, Kayla, a massage therapist, can massage all your troubles away. Now remember, this is our little secret, cross your heart.

9. Palmer House is an inn nestled in a little town called Lithia, Florida. This is another B & B that was listed by BedandBreakfast.com as one of the “Best in the South” for 2009-2010. It’s a very tranquil place with grandfather oaks, butterfly gardens, hammocks, and bicycle trails. But, hang onto your hats, because nearby are almost all the tourist attractions Florida offers, including Orlando’s. In fact, Lithia is the perfect location from which you can go for day trips either to Busch Gardens or the Tampa Bay Bucs on the Gulf coast or Disney World and Universal Studios on the Atlantic coast. You’ll get home in time for some cookies and milk before bedtime and you’ll awaken the next morning to fresh coffee, quiche, a breakfast casserole, and their signature dish, almond-crusted French toast.

10. On charming Anna Maria Island, near Sarasota, Florida, you will find the Harrington House. It is actually comprised of the Main Inn, the Carriage House, the Huth House, and the Dodt House. You thus have the option of staying in a bungalow, a beach house, a villa or a condo. You can lounge on your balcony opening out onto the Gulf of Mexico, you can kayak with the dolphins, tour the island by bicycle, or swim in the Gulf or the heated pool. Nearby Sarasota and Bradenton offer the Ringling Museum of Art, Selby Botanical Gardens, the Bishop Planetarium, shopping at St. Armand’s Circle, or fine dining at Longboat Key. But, whatever you do, don’t miss the Harrington chef’s most popular breakfast dishes: Buttermilk Pancake Sundae or Jo’s Bacon and Crab Roll.

Yes, in a state chock full of Bed & Breakfast inns, these are a few of the ones I wanted to introduce you to. Maybe there are others to equal some of these. However, I don’t think you’ll be disappointed with any of those described above. It’s time you discover the world of difference between a typical hotel and a Bed & Breakfast inn.

Debra Fortosis

Yep,they say that the hurricanes scared some folks away from Florida. Well, I just came up with a really good reason for you to revisit the state. Florida contains some of the finest Bed and Breakfast inns in the nation, and below I present some of the ones that stood out to me.

1. The Addison is a serene 14-room inn representing a unique blend of old-style elegance with modern amenities. Traditionally, the values may seem to clash but the builders and owners have merged them together in a beautiful blend. This Inn was selected as one of the ten Best Overall Inns of 2009-2010 by BedandBreakfast.com. It also consistently maintains a number one ranking on TripAdvisor.com. Located on Amelia Island in the historic district of Fernandina Beach, the rooms feature porches for relaxation and an enchanting fountain courtyard. The area is a nature-lover’s paradise with pristine beaches, four major State Parks and a National Park. One can bike, hike, play golf, horseback ride, shell, bird watch, or go backwater or deep sea fishing. Signature breakfast dishes include fresh fruit smoothies, breakfast in a boat (baked potato shell stuffed with scrambled eggs, cheese, and crumbled bacon), banana pancakes with pecan toffee syrup, spicy breakfast quesadillas, praline French toast, and perfect Peruvian coffee.

2. If you can look past the wild and funky website, the Cedar Key B & B is an inn well worth visiting! Located in the second oldest city in Florida, the historic inn was built in 1880. Originally, the town was known for its cedar, out of which Eagle and Eberhardt pencils were produced; today its claims to fame are clam farming and tourism. Besides boasting some of the cleanest and most comfortable lodgings imaginable, this inn’s draw is also the amazing array of activities in the area: boating, kayaking, air boats, fishing, bird watching, playing with dolphins, biking, hiking, scuba diving, plus a famous Arts festival and the October Seafood Festival. Or if you like football, attend a Florida Gators game in nearby Gainesville. A few nice added features of the inn is the pet friendly status, last minute specials, delicious breakfast, and an endless array of amenities such as teas, cookies, biscotti, hot chocolates, coffees, and a bottomless jar of the freshest homemade cookies you’ve ever placed in your mouth.

3. Casa Grandview is located in the vibrant, upscale city of West Palm Beach. This Bed & Breakfast combines some of the most desirable features of the secluded and quaint B & Bs with the services of a luxury resort. The Casa offers romantic cottages, quaint bungalows, art deco cabana suites, stylish tropical coastal villas, and classic city oasis retreats. What a fabulous array of choices, many with kitchens, elaborate baths, and spacious living areas. The owners stock each suite with only the best gourmet foods for your breakfast, and, if desired, for additional meals. Everything you need is available including complimentary Wi-Fi, HD TVs, premium satellite service, music and movie channels, iPod docking stations, and CD players. You can even check emails and surf the web while catching some rays poolside or dozing in a hammock. You will be waited on with 5-star service or left alone for some glorious privacy. Whatever you want is what you get at Casa Grandview.

4. Elizabeth Pointe Lodge is a Nantucket ’shingle style’ inn that overlooks the rich blue Atlantic. What can I say? USA Today deemed this oceanfront inn as one of the 10 greatest places to sit on the porch. Travel and Leisure magazine recognized it as one of the fifty great beach resorts in our nation. The book, 1000 Places to See Before You Die, tagged this as a place where the emphasis is on pure relaxation. The Road Best Traveled distinguished the inn as one of the 12 Best Waterfront Inns in America. The honors go on and on. Besides offering full concierge service and 24 hour room service, there are also gourmet treats offered all day, a lavish wine and hors d’oeuvres reception each evening, and an oceanfront breakfast with scads of sumptuous offerings in the sunroom. In every way, Elizabeth Pointe is determined to go above and beyond your needs and expectations.

5. Florida Trend Magazine states that the Herlong Mansion of Micanopy, Florida is “easily Florida’s most elegant Bed & Breakfast.” In case you don’t know, this quiet little town is south of Gainesville, near Cross Creek, the village the author of The Yearling made famous. The ten fireplaces and high ceilings of the inn are perfectly accented with mission oak woodwork and mahogany inlaid floors. Photos can never do justice to the warm beauty of this place. Wide verandas between enormous pillars on the first and second floors contain cushioned swings that overlook an impeccably manicured lawn with ancient towering oaks. The breakfast isn’t wildly fancy but offers delicious traditional fare such as homemade biscuits and perfect omelettes, rich coffee, and apple bread. And, if you like, you can have a candlelit four-course dinner catered with roses, champagne, the works. Treat yourself to casual elegance for just one night, or more…

6. The Seven Sisters Inn is located in Ocala, Florida, region of rolling green hills and thoroughbred horse ranches. Built in 1888, the Queen Anne Victorian home was judged a “Best Restoration Project” and is listed prominently in the National Register of Historic Places. One startling uniqueness of this inn is the rooms, which feature décor from the four corners of the globe. One enters through elaborately carved Indonesian doors, then there is a Bengal Safari room, a Cape Cod Lighthouse room, an Egyptian Treasure room, an Oriental Zen-like room, and a room from Old Paris featuring imported French fabrics and décor. Visitors feel as if they are traveling the world as they lounge in front of their fireplaces or relax with spa showers, Jacuzzi, Victorian soaking tubs, and heated towel bars. And when you wake the next morning, get ready for an award winning breakfast on white china and crystal, including three-cheese French toast with Ginger Peaches, Eggs Pesto, Chicken Puffed Pastry, Raspberry-Oatmeal pancakes, or Tomato-Zucchini Quiche. The “Seven Sisters” will make you happy.

7. The Williams is a beautifully restored antebellum mansion located in the historic seaside village of Fernandina Beach. There are three separate buildings, each offering rooms for guests: the Williams House, the Hearthstone House, and the Carriage House. You will be captivated by intricate moldings, massive pocket doors, true wood floors, and hand-carved mantles created from heart pine, cherry, or mahogany. Sweeping verandas, original tiled fireplaces and crystal chandeliers make visitors feel as if they’ve slipped into a time warp. If you appreciate the days when great pride and craft were marks of the homes of the wealthy, you will love the William’s House. But it isn’t just a home to wander. The owners cater to your whims, including your desire to wake to a breakfast you’ll remember. Your first course will feature fresh fruit and muffins, scones, or pound cake. Your second course may include strawberry croissant French toast or blueberry strata. Enjoy this with fresh orange juice or rich Colombian coffee. No one will leave the William’s House either hungry or unhappy.

8. Can you keep a secret? There is a Bed & Breakfast inn in Key West called Atlantis House. This is one of those places you will not want to tell your friends about, lest the next time you want to book a night there, it will be booked two or three months ahead. It has only two exclusive rooms: that’s right, the Master suite and the Garden suite. The owners, Steve and Kayla Kessler designed, built, and maintain the property themselves. The inn is nestled in a lush tropical garden bordering the roiling Atlantic. Not long ago, this inn was awarded “The Best of the South” award from BedandBreakfast.com, and it was deserved. I just don’t know how they found the thing. If you want, you can kick back on your own sun deck or spend some romantic moments in the breezy, vine-covered gazebo. Or if you’re a little more adventurous, Steve happens to be a licensed Captain and with his boat, The Contender, he’ll be happy to take you fishing. Then Steve and Kayla will prepare you the perfect dinner with “the catch of the day,” or maybe a lobster Steve caught for your dining pleasure. Steve can also offer private, guided snorkeling tours of the most beautiful coral reef in the Continental United States. Then, after a hard day of sunning or fishing, Kayla, a massage therapist, can massage all your troubles away. Now remember, this is our little secret, cross your heart.

9. Palmer House is an inn nestled in a little town called Lithia, Florida. This is another B & B that was listed by BedandBreakfast.com as one of the “Best in the South” for 2009-2010. It’s a very tranquil place with grandfather oaks, butterfly gardens, hammocks, and bicycle trails. But, hang onto your hats, because nearby are almost all the tourist attractions Florida offers, including Orlando’s. In fact, Lithia is the perfect location from which you can go for day trips either to Busch Gardens or the Tampa Bay Bucs on the Gulf coast or Disney World and Universal Studios on the Atlantic coast. You’ll get home in time for some cookies and milk before bedtime and you’ll awaken the next morning to fresh coffee, quiche, a breakfast casserole, and their signature dish, almond-crusted French toast.

10. On charming Anna Maria Island, near Sarasota, Florida, you will find the Harrington House. It is actually comprised of the Main Inn, the Carriage House, the Huth House, and the Dodt House. You thus have the option of staying in a bungalow, a beach house, a villa or a condo. You can lounge on your balcony opening out onto the Gulf of Mexico, you can kayak with the dolphins, tour the island by bicycle, or swim in the Gulf or the heated pool. Nearby Sarasota and Bradenton offer the Ringling Museum of Art, Selby Botanical Gardens, the Bishop Planetarium, shopping at St. Armand’s Circle, or fine dining at Longboat Key. But, whatever you do, don’t miss the Harrington chef’s most popular breakfast dishes: Buttermilk Pancake Sundae or Jo’s Bacon and Crab Roll.

Yes, in a state chock full of Bed & Breakfast inns, these are a few of the ones I wanted to introduce you to. Maybe there are others to equal some of these. However, I don’t think you’ll be disappointed with any of those described above. It’s time you discover the world of difference between a typical hotel and a Bed & Breakfast inn.

Debra Fortosis

Yep,they say that the hurricanes scared some folks away from Florida. Well, I just came up with a really good reason for you to revisit the state. Florida contains some of the finest Bed and Breakfast inns in the nation, and below I present some of the ones that stood out to me.

1. The Addison is a serene 14-room inn representing a unique blend of old-style elegance with modern amenities. Traditionally, the values may seem to clash but the builders and owners have merged them together in a beautiful blend. This Inn was selected as one of the ten Best Overall Inns of 2009-2010 by BedandBreakfast.com. It also consistently maintains a number one ranking on TripAdvisor.com. Located on Amelia Island in the historic district of Fernandina Beach, the rooms feature porches for relaxation and an enchanting fountain courtyard. The area is a nature-lover’s paradise with pristine beaches, four major State Parks and a National Park. One can bike, hike, play golf, horseback ride, shell, bird watch, or go backwater or deep sea fishing. Signature breakfast dishes include fresh fruit smoothies, breakfast in a boat (baked potato shell stuffed with scrambled eggs, cheese, and crumbled bacon), banana pancakes with pecan toffee syrup, spicy breakfast quesadillas, praline French toast, and perfect Peruvian coffee.

2. If you can look past the wild and funky website, the Cedar Key B & B is an inn well worth visiting! Located in the second oldest city in Florida, the historic inn was built in 1880. Originally, the town was known for its cedar, out of which Eagle and Eberhardt pencils were produced; today its claims to fame are clam farming and tourism. Besides boasting some of the cleanest and most comfortable lodgings imaginable, this inn’s draw is also the amazing array of activities in the area: boating, kayaking, air boats, fishing, bird watching, playing with dolphins, biking, hiking, scuba diving, plus a famous Arts festival and the October Seafood Festival. Or if you like football, attend a Florida Gators game in nearby Gainesville. A few nice added features of the inn is the pet friendly status, last minute specials, delicious breakfast, and an endless array of amenities such as teas, cookies, biscotti, hot chocolates, coffees, and a bottomless jar of the freshest homemade cookies you’ve ever placed in your mouth.

3. Casa Grandview is located in the vibrant, upscale city of West Palm Beach. This Bed & Breakfast combines some of the most desirable features of the secluded and quaint B & Bs with the services of a luxury resort. The Casa offers romantic cottages, quaint bungalows, art deco cabana suites, stylish tropical coastal villas, and classic city oasis retreats. What a fabulous array of choices, many with kitchens, elaborate baths, and spacious living areas. The owners stock each suite with only the best gourmet foods for your breakfast, and, if desired, for additional meals. Everything you need is available including complimentary Wi-Fi, HD TVs, premium satellite service, music and movie channels, iPod docking stations, and CD players. You can even check emails and surf the web while catching some rays poolside or dozing in a hammock. You will be waited on with 5-star service or left alone for some glorious privacy. Whatever you want is what you get at Casa Grandview.

4. Elizabeth Pointe Lodge is a Nantucket ’shingle style’ inn that overlooks the rich blue Atlantic. What can I say? USA Today deemed this oceanfront inn as one of the 10 greatest places to sit on the porch. Travel and Leisure magazine recognized it as one of the fifty great beach resorts in our nation. The book, 1000 Places to See Before You Die, tagged this as a place where the emphasis is on pure relaxation. The Road Best Traveled distinguished the inn as one of the 12 Best Waterfront Inns in America. The honors go on and on. Besides offering full concierge service and 24 hour room service, there are also gourmet treats offered all day, a lavish wine and hors d’oeuvres reception each evening, and an oceanfront breakfast with scads of sumptuous offerings in the sunroom. In every way, Elizabeth Pointe is determined to go above and beyond your needs and expectations.

5. Florida Trend Magazine states that the Herlong Mansion of Micanopy, Florida is “easily Florida’s most elegant Bed & Breakfast.” In case you don’t know, this quiet little town is south of Gainesville, near Cross Creek, the village the author of The Yearling made famous. The ten fireplaces and high ceilings of the inn are perfectly accented with mission oak woodwork and mahogany inlaid floors. Photos can never do justice to the warm beauty of this place. Wide verandas between enormous pillars on the first and second floors contain cushioned swings that overlook an impeccably manicured lawn with ancient towering oaks. The breakfast isn’t wildly fancy but offers delicious traditional fare such as homemade biscuits and perfect omelettes, rich coffee, and apple bread. And, if you like, you can have a candlelit four-course dinner catered with roses, champagne, the works. Treat yourself to casual elegance for just one night, or more…

6. The Seven Sisters Inn is located in Ocala, Florida, region of rolling green hills and thoroughbred horse ranches. Built in 1888, the Queen Anne Victorian home was judged a “Best Restoration Project” and is listed prominently in the National Register of Historic Places. One startling uniqueness of this inn is the rooms, which feature décor from the four corners of the globe. One enters through elaborately carved Indonesian doors, then there is a Bengal Safari room, a Cape Cod Lighthouse room, an Egyptian Treasure room, an Oriental Zen-like room, and a room from Old Paris featuring imported French fabrics and décor. Visitors feel as if they are traveling the world as they lounge in front of their fireplaces or relax with spa showers, Jacuzzi, Victorian soaking tubs, and heated towel bars. And when you wake the next morning, get ready for an award winning breakfast on white china and crystal, including three-cheese French toast with Ginger Peaches, Eggs Pesto, Chicken Puffed Pastry, Raspberry-Oatmeal pancakes, or Tomato-Zucchini Quiche. The “Seven Sisters” will make you happy.

7. The Williams is a beautifully restored antebellum mansion located in the historic seaside village of Fernandina Beach. There are three separate buildings, each offering rooms for guests: the Williams House, the Hearthstone House, and the Carriage House. You will be captivated by intricate moldings, massive pocket doors, true wood floors, and hand-carved mantles created from heart pine, cherry, or mahogany. Sweeping verandas, original tiled fireplaces and crystal chandeliers make visitors feel as if they’ve slipped into a time warp. If you appreciate the days when great pride and craft were marks of the homes of the wealthy, you will love the William’s House. But it isn’t just a home to wander. The owners cater to your whims, including your desire to wake to a breakfast you’ll remember. Your first course will feature fresh fruit and muffins, scones, or pound cake. Your second course may include strawberry croissant French toast or blueberry strata. Enjoy this with fresh orange juice or rich Colombian coffee. No one will leave the William’s House either hungry or unhappy.

8. Can you keep a secret? There is a Bed & Breakfast inn in Key West called Atlantis House. This is one of those places you will not want to tell your friends about, lest the next time you want to book a night there, it will be booked two or three months ahead. It has only two exclusive rooms: that’s right, the Master suite and the Garden suite. The owners, Steve and Kayla Kessler designed, built, and maintain the property themselves. The inn is nestled in a lush tropical garden bordering the roiling Atlantic. Not long ago, this inn was awarded “The Best of the South” award from BedandBreakfast.com, and it was deserved. I just don’t know how they found the thing. If you want, you can kick back on your own sun deck or spend some romantic moments in the breezy, vine-covered gazebo. Or if you’re a little more adventurous, Steve happens to be a licensed Captain and with his boat, The Contender, he’ll be happy to take you fishing. Then Steve and Kayla will prepare you the perfect dinner with “the catch of the day,” or maybe a lobster Steve caught for your dining pleasure. Steve can also offer private, guided snorkeling tours of the most beautiful coral reef in the Continental United States. Then, after a hard day of sunning or fishing, Kayla, a massage therapist, can massage all your troubles away. Now remember, this is our little secret, cross your heart.

9. Palmer House is an inn nestled in a little town called Lithia, Florida. This is another B & B that was listed by BedandBreakfast.com as one of the “Best in the South” for 2009-2010. It’s a very tranquil place with grandfather oaks, butterfly gardens, hammocks, and bicycle trails. But, hang onto your hats, because nearby are almost all the tourist attractions Florida offers, including Orlando’s. In fact, Lithia is the perfect location from which you can go for day trips either to Busch Gardens or the Tampa Bay Bucs on the Gulf coast or Disney World and Universal Studios on the Atlantic coast. You’ll get home in time for some cookies and milk before bedtime and you’ll awaken the next morning to fresh coffee, quiche, a breakfast casserole, and their signature dish, almond-crusted French toast.

10. On charming Anna Maria Island, near Sarasota, Florida, you will find the Harrington House. It is actually comprised of the Main Inn, the Carriage House, the Huth House, and the Dodt House. You thus have the option of staying in a bungalow, a beach house, a villa or a condo. You can lounge on your balcony opening out onto the Gulf of Mexico, you can kayak with the dolphins, tour the island by bicycle, or swim in the Gulf or the heated pool. Nearby Sarasota and Bradenton offer the Ringling Museum of Art, Selby Botanical Gardens, the Bishop Planetarium, shopping at St. Armand’s Circle, or fine dining at Longboat Key. But, whatever you do, don’t miss the Harrington chef’s most popular breakfast dishes: Buttermilk Pancake Sundae or Jo’s Bacon and Crab Roll.

Yes, in a state chock full of Bed & Breakfast inns, these are a few of the ones I wanted to introduce you to. Maybe there are others to equal some of these. However, I don’t think you’ll be disappointed with any of those described above. It’s time you discover the world of difference between a typical hotel and a Bed & Breakfast inn.

Debra Fortosis

Yep,they say that the hurricanes scared some folks away from Florida. Well, I just came up with a really good reason for you to revisit the state. Florida contains some of the finest Bed and Breakfast inns in the nation, and below I present some of the ones that stood out to me.

1. The Addison is a serene 14-room inn representing a unique blend of old-style elegance with modern amenities. Traditionally, the values may seem to clash but the builders and owners have merged them together in a beautiful blend. This Inn was selected as one of the ten Best Overall Inns of 2009-2010 by BedandBreakfast.com. It also consistently maintains a number one ranking on TripAdvisor.com. Located on Amelia Island in the historic district of Fernandina Beach, the rooms feature porches for relaxation and an enchanting fountain courtyard. The area is a nature-lover’s paradise with pristine beaches, four major State Parks and a National Park. One can bike, hike, play golf, horseback ride, shell, bird watch, or go backwater or deep sea fishing. Signature breakfast dishes include fresh fruit smoothies, breakfast in a boat (baked potato shell stuffed with scrambled eggs, cheese, and crumbled bacon), banana pancakes with pecan toffee syrup, spicy breakfast quesadillas, praline French toast, and perfect Peruvian coffee.

2. If you can look past the wild and funky website, the Cedar Key B & B is an inn well worth visiting! Located in the second oldest city in Florida, the historic inn was built in 1880. Originally, the town was known for its cedar, out of which Eagle and Eberhardt pencils were produced; today its claims to fame are clam farming and tourism. Besides boasting some of the cleanest and most comfortable lodgings imaginable, this inn’s draw is also the amazing array of activities in the area: boating, kayaking, air boats, fishing, bird watching, playing with dolphins, biking, hiking, scuba diving, plus a famous Arts festival and the October Seafood Festival. Or if you like football, attend a Florida Gators game in nearby Gainesville. A few nice added features of the inn is the pet friendly status, last minute specials, delicious breakfast, and an endless array of amenities such as teas, cookies, biscotti, hot chocolates, coffees, and a bottomless jar of the freshest homemade cookies you’ve ever placed in your mouth.

3. Casa Grandview is located in the vibrant, upscale city of West Palm Beach. This Bed & Breakfast combines some of the most desirable features of the secluded and quaint B & Bs with the services of a luxury resort. The Casa offers romantic cottages, quaint bungalows, art deco cabana suites, stylish tropical coastal villas, and classic city oasis retreats. What a fabulous array of choices, many with kitchens, elaborate baths, and spacious living areas. The owners stock each suite with only the best gourmet foods for your breakfast, and, if desired, for additional meals. Everything you need is available including complimentary Wi-Fi, HD TVs, premium satellite service, music and movie channels, iPod docking stations, and CD players. You can even check emails and surf the web while catching some rays poolside or dozing in a hammock. You will be waited on with 5-star service or left alone for some glorious privacy. Whatever you want is what you get at Casa Grandview.

4. Elizabeth Pointe Lodge is a Nantucket ’shingle style’ inn that overlooks the rich blue Atlantic. What can I say? USA Today deemed this oceanfront inn as one of the 10 greatest places to sit on the porch. Travel and Leisure magazine recognized it as one of the fifty great beach resorts in our nation. The book, 1000 Places to See Before You Die, tagged this as a place where the emphasis is on pure relaxation. The Road Best Traveled distinguished the inn as one of the 12 Best Waterfront Inns in America. The honors go on and on. Besides offering full concierge service and 24 hour room service, there are also gourmet treats offered all day, a lavish wine and hors d’oeuvres reception each evening, and an oceanfront breakfast with scads of sumptuous offerings in the sunroom. In every way, Elizabeth Pointe is determined to go above and beyond your needs and expectations.

5. Florida Trend Magazine states that the Herlong Mansion of Micanopy, Florida is “easily Florida’s most elegant Bed & Breakfast.” In case you don’t know, this quiet little town is south of Gainesville, near Cross Creek, the village the author of The Yearling made famous. The ten fireplaces and high ceilings of the inn are perfectly accented with mission oak woodwork and mahogany inlaid floors. Photos can never do justice to the warm beauty of this place. Wide verandas between enormous pillars on the first and second floors contain cushioned swings that overlook an impeccably manicured lawn with ancient towering oaks. The breakfast isn’t wildly fancy but offers delicious traditional fare such as homemade biscuits and perfect omelettes, rich coffee, and apple bread. And, if you like, you can have a candlelit four-course dinner catered with roses, champagne, the works. Treat yourself to casual elegance for just one night, or more…

6. The Seven Sisters Inn is located in Ocala, Florida, region of rolling green hills and thoroughbred horse ranches. Built in 1888, the Queen Anne Victorian home was judged a “Best Restoration Project” and is listed prominently in the National Register of Historic Places. One startling uniqueness of this inn is the rooms, which feature décor from the four corners of the globe. One enters through elaborately carved Indonesian doors, then there is a Bengal Safari room, a Cape Cod Lighthouse room, an Egyptian Treasure room, an Oriental Zen-like room, and a room from Old Paris featuring imported French fabrics and décor. Visitors feel as if they are traveling the world as they lounge in front of their fireplaces or relax with spa showers, Jacuzzi, Victorian soaking tubs, and heated towel bars. And when you wake the next morning, get ready for an award winning breakfast on white china and crystal, including three-cheese French toast with Ginger Peaches, Eggs Pesto, Chicken Puffed Pastry, Raspberry-Oatmeal pancakes, or Tomato-Zucchini Quiche. The “Seven Sisters” will make you happy.

7. The Williams is a beautifully restored antebellum mansion located in the historic seaside village of Fernandina Beach. There are three separate buildings, each offering rooms for guests: the Williams House, the Hearthstone House, and the Carriage House. You will be captivated by intricate moldings, massive pocket doors, true wood floors, and hand-carved mantles created from heart pine, cherry, or mahogany. Sweeping verandas, original tiled fireplaces and crystal chandeliers make visitors feel as if they’ve slipped into a time warp. If you appreciate the days when great pride and craft were marks of the homes of the wealthy, you will love the William’s House. But it isn’t just a home to wander. The owners cater to your whims, including your desire to wake to a breakfast you’ll remember. Your first course will feature fresh fruit and muffins, scones, or pound cake. Your second course may include strawberry croissant French toast or blueberry strata. Enjoy this with fresh orange juice or rich Colombian coffee. No one will leave the William’s House either hungry or unhappy.

8. Can you keep a secret? There is a Bed & Breakfast inn in Key West called Atlantis House. This is one of those places you will not want to tell your friends about, lest the next time you want to book a night there, it will be booked two or three months ahead. It has only two exclusive rooms: that’s right, the Master suite and the Garden suite. The owners, Steve and Kayla Kessler designed, built, and maintain the property themselves. The inn is nestled in a lush tropical garden bordering the roiling Atlantic. Not long ago, this inn was awarded “The Best of the South” award from BedandBreakfast.com, and it was deserved. I just don’t know how they found the thing. If you want, you can kick back on your own sun deck or spend some romantic moments in the breezy, vine-covered gazebo. Or if you’re a little more adventurous, Steve happens to be a licensed Captain and with his boat, The Contender, he’ll be happy to take you fishing. Then Steve and Kayla will prepare you the perfect dinner with “the catch of the day,” or maybe a lobster Steve caught for your dining pleasure. Steve can also offer private, guided snorkeling tours of the most beautiful coral reef in the Continental United States. Then, after a hard day of sunning or fishing, Kayla, a massage therapist, can massage all your troubles away. Now remember, this is our little secret, cross your heart.

9. Palmer House is an inn nestled in a little town called Lithia, Florida. This is another B & B that was listed by BedandBreakfast.com as one of the “Best in the South” for 2009-2010. It’s a very tranquil place with grandfather oaks, butterfly gardens, hammocks, and bicycle trails. But, hang onto your hats, because nearby are almost all the tourist attractions Florida offers, including Orlando’s. In fact, Lithia is the perfect location from which you can go for day trips either to Busch Gardens or the Tampa Bay Bucs on the Gulf coast or Disney World and Universal Studios on the Atlantic coast. You’ll get home in time for some cookies and milk before bedtime and you’ll awaken the next morning to fresh coffee, quiche, a breakfast casserole, and their signature dish, almond-crusted French toast.

10. On charming Anna Maria Island, near Sarasota, Florida, you will find the Harrington House. It is actually comprised of the Main Inn, the Carriage House, the Huth House, and the Dodt House. You thus have the option of staying in a bungalow, a beach house, a villa or a condo. You can lounge on your balcony opening out onto the Gulf of Mexico, you can kayak with the dolphins, tour the island by bicycle, or swim in the Gulf or the heated pool. Nearby Sarasota and Bradenton offer the Ringling Museum of Art, Selby Botanical Gardens, the Bishop Planetarium, shopping at St. Armand’s Circle, or fine dining at Longboat Key. But, whatever you do, don’t miss the Harrington chef’s most popular breakfast dishes: Buttermilk Pancake Sundae or Jo’s Bacon and Crab Roll.

Yes, in a state chock full of Bed & Breakfast inns, these are a few of the ones I wanted to introduce you to. Maybe there are others to equal some of these. However, I don’t think you’ll be disappointed with any of those described above. It’s time you discover the world of difference between a typical hotel and a Bed & Breakfast inn.

Debra Fortosis

Yep,they say that the hurricanes scared some folks away from Florida. Well, I just came up with a really good reason for you to revisit the state. Florida contains some of the finest Bed and Breakfast inns in the nation, and below I present some of the ones that stood out to me.

1. The Addison is a serene 14-room inn representing a unique blend of old-style elegance with modern amenities. Traditionally, the values may seem to clash but the builders and owners have merged them together in a beautiful blend. This Inn was selected as one of the ten Best Overall Inns of 2009-2010 by BedandBreakfast.com. It also consistently maintains a number one ranking on TripAdvisor.com. Located on Amelia Island in the historic district of Fernandina Beach, the rooms feature porches for relaxation and an enchanting fountain courtyard. The area is a nature-lover’s paradise with pristine beaches, four major State Parks and a National Park. One can bike, hike, play golf, horseback ride, shell, bird watch, or go backwater or deep sea fishing. Signature breakfast dishes include fresh fruit smoothies, breakfast in a boat (baked potato shell stuffed with scrambled eggs, cheese, and crumbled bacon), banana pancakes with pecan toffee syrup, spicy breakfast quesadillas, praline French toast, and perfect Peruvian coffee.

2. If you can look past the wild and funky website, the Cedar Key B & B is an inn well worth visiting! Located in the second oldest city in Florida, the historic inn was built in 1880. Originally, the town was known for its cedar, out of which Eagle and Eberhardt pencils were produced; today its claims to fame are clam farming and tourism. Besides boasting some of the cleanest and most comfortable lodgings imaginable, this inn’s draw is also the amazing array of activities in the area: boating, kayaking, air boats, fishing, bird watching, playing with dolphins, biking, hiking, scuba diving, plus a famous Arts festival and the October Seafood Festival. Or if you like football, attend a Florida Gators game in nearby Gainesville. A few nice added features of the inn is the pet friendly status, last minute specials, delicious breakfast, and an endless array of amenities such as teas, cookies, biscotti, hot chocolates, coffees, and a bottomless jar of the freshest homemade cookies you’ve ever placed in your mouth.

3. Casa Grandview is located in the vibrant, upscale city of West Palm Beach. This Bed & Breakfast combines some of the most desirable features of the secluded and quaint B & Bs with the services of a luxury resort. The Casa offers romantic cottages, quaint bungalows, art deco cabana suites, stylish tropical coastal villas, and classic city oasis retreats. What a fabulous array of choices, many with kitchens, elaborate baths, and spacious living areas. The owners stock each suite with only the best gourmet foods for your breakfast, and, if desired, for additional meals. Everything you need is available including complimentary Wi-Fi, HD TVs, premium satellite service, music and movie channels, iPod docking stations, and CD players. You can even check emails and surf the web while catching some rays poolside or dozing in a hammock. You will be waited on with 5-star service or left alone for some glorious privacy. Whatever you want is what you get at Casa Grandview.

4. Elizabeth Pointe Lodge is a Nantucket ’shingle style’ inn that overlooks the rich blue Atlantic. What can I say? USA Today deemed this oceanfront inn as one of the 10 greatest places to sit on the porch. Travel and Leisure magazine recognized it as one of the fifty great beach resorts in our nation. The book, 1000 Places to See Before You Die, tagged this as a place where the emphasis is on pure relaxation. The Road Best Traveled distinguished the inn as one of the 12 Best Waterfront Inns in America. The honors go on and on. Besides offering full concierge service and 24 hour room service, there are also gourmet treats offered all day, a lavish wine and hors d’oeuvres reception each evening, and an oceanfront breakfast with scads of sumptuous offerings in the sunroom. In every way, Elizabeth Pointe is determined to go above and beyond your needs and expectations.

5. Florida Trend Magazine states that the Herlong Mansion of Micanopy, Florida is “easily Florida’s most elegant Bed & Breakfast.” In case you don’t know, this quiet little town is south of Gainesville, near Cross Creek, the village the author of The Yearling made famous. The ten fireplaces and high ceilings of the inn are perfectly accented with mission oak woodwork and mahogany inlaid floors. Photos can never do justice to the warm beauty of this place. Wide verandas between enormous pillars on the first and second floors contain cushioned swings that overlook an impeccably manicured lawn with ancient towering oaks. The breakfast isn’t wildly fancy but offers delicious traditional fare such as homemade biscuits and perfect omelettes, rich coffee, and apple bread. And, if you like, you can have a candlelit four-course dinner catered with roses, champagne, the works. Treat yourself to casual elegance for just one night, or more…

6. The Seven Sisters Inn is located in Ocala, Florida, region of rolling green hills and thoroughbred horse ranches. Built in 1888, the Queen Anne Victorian home was judged a “Best Restoration Project” and is listed prominently in the National Register of Historic Places. One startling uniqueness of this inn is the rooms, which feature décor from the four corners of the globe. One enters through elaborately carved Indonesian doors, then there is a Bengal Safari room, a Cape Cod Lighthouse room, an Egyptian Treasure room, an Oriental Zen-like room, and a room from Old Paris featuring imported French fabrics and décor. Visitors feel as if they are traveling the world as they lounge in front of their fireplaces or relax with spa showers, Jacuzzi, Victorian soaking tubs, and heated towel bars. And when you wake the next morning, get ready for an award winning breakfast on white china and crystal, including three-cheese French toast with Ginger Peaches, Eggs Pesto, Chicken Puffed Pastry, Raspberry-Oatmeal pancakes, or Tomato-Zucchini Quiche. The “Seven Sisters” will make you happy.

7. The Williams is a beautifully restored antebellum mansion located in the historic seaside village of Fernandina Beach. There are three separate buildings, each offering rooms for guests: the Williams House, the Hearthstone House, and the Carriage House. You will be captivated by intricate moldings, massive pocket doors, true wood floors, and hand-carved mantles created from heart pine, cherry, or mahogany. Sweeping verandas, original tiled fireplaces and crystal chandeliers make visitors feel as if they’ve slipped into a time warp. If you appreciate the days when great pride and craft were marks of the homes of the wealthy, you will love the William’s House. But it isn’t just a home to wander. The owners cater to your whims, including your desire to wake to a breakfast you’ll remember. Your first course will feature fresh fruit and muffins, scones, or pound cake. Your second course may include strawberry croissant French toast or blueberry strata. Enjoy this with fresh orange juice or rich Colombian coffee. No one will leave the William’s House either hungry or unhappy.

8. Can you keep a secret? There is a Bed & Breakfast inn in Key West called Atlantis House. This is one of those places you will not want to tell your friends about, lest the next time you want to book a night there, it will be booked two or three months ahead. It has only two exclusive rooms: that’s right, the Master suite and the Garden suite. The owners, Steve and Kayla Kessler designed, built, and maintain the property themselves. The inn is nestled in a lush tropical garden bordering the roiling Atlantic. Not long ago, this inn was awarded “The Best of the South” award from BedandBreakfast.com, and it was deserved. I just don’t know how they found the thing. If you want, you can kick back on your own sun deck or spend some romantic moments in the breezy, vine-covered gazebo. Or if you’re a little more adventurous, Steve happens to be a licensed Captain and with his boat, The Contender, he’ll be happy to take you fishing. Then Steve and Kayla will prepare you the perfect dinner with “the catch of the day,” or maybe a lobster Steve caught for your dining pleasure. Steve can also offer private, guided snorkeling tours of the most beautiful coral reef in the Continental United States. Then, after a hard day of sunning or fishing, Kayla, a massage therapist, can massage all your troubles away. Now remember, this is our little secret, cross your heart.

9. Palmer House is an inn nestled in a little town called Lithia, Florida. This is another B & B that was listed by BedandBreakfast.com as one of the “Best in the South” for 2009-2010. It’s a very tranquil place with grandfather oaks, butterfly gardens, hammocks, and bicycle trails. But, hang onto your hats, because nearby are almost all the tourist attractions Florida offers, including Orlando’s. In fact, Lithia is the perfect location from which you can go for day trips either to Busch Gardens or the Tampa Bay Bucs on the Gulf coast or Disney World and Universal Studios on the Atlantic coast. You’ll get home in time for some cookies and milk before bedtime and you’ll awaken the next morning to fresh coffee, quiche, a breakfast casserole, and their signature dish, almond-crusted French toast.

10. On charming Anna Maria Island, near Sarasota, Florida, you will find the Harrington House. It is actually comprised of the Main Inn, the Carriage House, the Huth House, and the Dodt House. You thus have the option of staying in a bungalow, a beach house, a villa or a condo. You can lounge on your balcony opening out onto the Gulf of Mexico, you can kayak with the dolphins, tour the island by bicycle, or swim in the Gulf or the heated pool. Nearby Sarasota and Bradenton offer the Ringling Museum of Art, Selby Botanical Gardens, the Bishop Planetarium, shopping at St. Armand’s Circle, or fine dining at Longboat Key. But, whatever you do, don’t miss the Harrington chef’s most popular breakfast dishes: Buttermilk Pancake Sundae or Jo’s Bacon and Crab Roll.

Yes, in a state chock full of Bed & Breakfast inns, these are a few of the ones I wanted to introduce you to. Maybe there are others to equal some of these. However, I don’t think you’ll be disappointed with any of those described above. It’s time you discover the world of difference between a typical hotel and a Bed & Breakfast inn.

Debra Fortosis