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Tammy Waugh


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10 Step Guide to Buying Your First Home!

by Tammy Waugh

Home Buying might not be as easy as 1-2-3, but add 7 more steps and you are there! If you are in the market for your first Tampa area home, knowing the steps you need to take between starting the search and moving in can help eliminate some of the stress from the process. Here is our basic 10 steo guide to buying your first home.

1. Make a list of what you want and need in your home. Needs are those non-negotiable amenties/features that have to be included in your home. Wants are those that would be nice to have but if you need to, you can live without. Prioritizing these items will help you narrow your search. This is also the best time to work out your budget. Having a full understanding of what you can afford will help you set a comfortable range for yourself as well as search parameters.

2. The internet is a wonderful tool to help you get an initial idea of what is available on the market. Start to Search Listings  online.

3. Now that you have a good understanding of what you are looking for in your new home, it is time to hire a Top Realtor  to work with. Sure you can go it alone, but we guarantee that you will be grateful you worked with a realtor when it is all said and done. We can help narrow your search to just those homes that best fit your needs and budget. We understand the Tampa housing market and have many years experience with negotiating real estate deals. Working with us will help allieviate your stress during the process as we always keep your best interests as our top priority.

4. Ask your realtor for recommendations for lending agents. The lending agent will help you find a mortgage option that fits your financial situation. Now is the perfect time to get pre-approved for your loan. Pre-approval shows sellers that you are serious about buying and helps keep you focused searching for homes that you can afford.

5. Hit the road with your realtor and visit as many open houses and showings as possible. A description and photos online can only show you so much. You need to place yourself within the property to truly know whether it will fit your needs.

6. You found the perfect home! Now you can make an offer. Work closely with your realtor during this step. They can help you draft an offer that will be appealing and appropriate for the seller of the home.

7. Real estate offers almost always come back with a counter offer. Do not dismay. This is part of the process. Since you have your budget worked out ahead of time, you have a clear understanding of how high you are willing and can go with the price. This step involves the negotiation skills that your realtor processes. We will have make sure you pay a price that is best for you and ensures you can call this house your home.

8. The home might appear perfect and move in ready but you never know if there are any unseen issues that could cost you a fortune in the future. You should always have a home inspection completed when buying a house. This will help you discover any problems before the deal gets finalizes, allowing you to determine whether or not it makes more sense to walk away or stay the course. Go along for the home inspection so you can ask questions as they arise.

9. After the home inspection, your lending agent will complete an home appraisal to determine the actual worth of the home. If the home is valued for close to your offer, you are one step closer to calling it yours!

10. You have reached the home stretch...literally! It is now time to close the deal. Sign that paperwork, grab your keys, and move on in to your beautiful new home!

Celebrate St. Patricks Day in Tampa!

by Tammy Waugh

Lá Fhéile Pádraig Sona Daoibh! Tampa is the best place to be to celebrate St. Patrick's Day! Put on your best festive green outfit, grab the whole family, and enjoy the holiday along the beautiful waters of the bay! The Sper Group wishes everyone in Tampa a very Happy St. Patrick’s Day!


River O’ Green Gallop

Date: Saturday, March 17th

Time: 8:30 am (Registration) | 9:30 am (Run/Walk Begins)

Location: Curtis Hixon Waterfront Park (600 North Ashley Drive, Tampa)

Cost: $25 per participant | Register HERE!

Get active the morning of St. Patrick's Day for a 2 mile Fun Run/Walk.


Mayor’s River O’Green Fest

Date: Saturday, March 17th

Time: 11:00 am - 5:00 pm

Location: Curtis Hixon Waterfront Park (600 North Ashley Drive, Tampa)

This 7th annual celebration is the place to be this St. Patrick's Day. Watch the Hillsborough River turn green at 11:00 am! The festivities will include incredible live entertainment, delicious food trucks, festive beverages, kids activities and games, and so much more!


Blarney Bike Ride

Date: Saturday, March 17th

Time: 11:00 am - 2:00 pm

Location: Ferg’s Live (490 Channelside Drive, Tampa)

Hop on your bike for a fun scavenger hunt. The event will start with a 20 bike assembly. These bikes will be gifted to the local organization Jaylens Challenge. After the bike assembly, riders will solve clues along the route and be entered to win incredible prizes.


Scavenger Crawl

Date: Saturday, March 17th

Time: 12:00 pm - 4:00 pm (Registration) | 4:00 pm - 9:00 pm (Crawl)

Location: Curtis Hixon Waterfront Park (600 North Ashley Drive, Tampa) to Gaspar’s Grotto (1805 East 7th Avenue, Tampa)

Cost: $20 per participant | Register HERE!

Finish this fun filled day with a classic scavenger hunt with an adult twist. You will solve 15+ puzzles while enjoying cold beverages and food along the way.

Gasparilla Music Festival!

by Tammy Waugh

Tampa's favorite music festival is back......the Gasparilla Music Festival!! Voted this city's best festival for 4 years in a row, the Gasparilla Music Festival celebrates the very best of Tampa's music scene with incredible local talent and national headliners. Head to Curtis Hixon Park (600 North Ashley Drive) on Saturday, March 10th (11:30 am - 11:00 pm), and Sunday, March 11th (11:30 am - 9:00 pm), for two full days of incredible live music on 5 stages! Along with 40 place musical acts, enjoy delicious food from some of Tampa's best eateries, including The Refinery, Malio’s Steakhouse, Ella’s Folk Art Cafe, and more. This kid-friendly festival also features daily children’s activities. Enjoy a weekend filled with live music and good company along the beautiful shores of the bay.


2018 Gasparilla Music Festival Lineup

The Roots | Father John Misty | Spoon | Warpaint | Hard Working Americans | Break Science Live Band | The Record Company | Mondo Cozmo | Cory Henry & the Funk Apostles | Chali 2na (Jurassic 5) & Naughty Professor | Nikki Lane | Billy Strings | The Cave Singers | KOLARS | The War & Treaty | Matt Woods & the Natural Disasters | The Ries Brothers | Eric Tessmer | Imagination Movers | Underhill Family Orchestra | Holey Miss Moley | Leisure Chief | Johnny Mile & the Kilometers | The Woodwork | C-Rena | Brother Cephus | Acho Brother | Fr33dback | King Complex | Pohgoh | Oak Hay | Sam E Hues | Mountain Holler | Kristopher James | Little Kittner Boys | Mr. Tommy | Tampa Metropolitan Youth Orchestra | Crestwood Elementary | Mt Zion Gospel Choir




The festival is put together by the non-profit Gasparilla Music Foundation, which benefits local youth music programs and art education. Tickets for the festival cost $30+, with general admission and VIP options available. Children ages 12 and under are FREE! Order tickets online at HERE!


The Sper Group wishes everyone a rocking good time this weekend at the Gasparilla Music Festival!


Image Credit: Gasparilla Music Foundation

Music on the Bay 2018 and Other Great Weekend Events!

by Tammy Waugh

Get ready to rock this weekend away in Tampa! Celebrate living in this "tropical" paradise as you enjoy the best Trop Rock performers in the country at Music on the Bay 2018!! Head to Tampa Bay Whiskey Joe’s Barefoot Beach Bar (7720 West Courtney Campbell Causeway, Tampa) for 4 days of musical performances. Dance to Trop Rock at the two beach stages set up right along the beautiful waters of the bay. There will be great Food and Drink Specials to complete this fun music festival.

Day passes are available on site and cost $25 on Thursday, $45 on Friday, $55 on Saturday, and $45 on Sunday $45. A Weekend Pass is also available for $100. Check out the lineup of incredible performers!

Wednesday, February 28th

  • 4:00 pm – 6:00 pm | The Shanty Hounds
  • 6:00 pm – 8:00 pm | Don Middlebrook
  • 8:00 pm – 10:00 pm | Steve Hopper & the Wolf Island Band

Thursday, March 1st

  • 4:00 pm – 6:00 pm | Heather Vidal & Sunny Jim
  • 6:00 pm – 8:00 pm | Jack Mosley Band
  • 8:00 pm – 10:00 pm | Jimmy Parrish & the Waves

Friday, March 2nd

  • 10:00 am – 12:00 pm | Rich McGuire & Band
  • 12:00 pm – 2:00 pm | Latitude
  • 2:00 pm – 4:00 pm | Jerry Diaz & Hannah’s Reef
  • 4:00 pm – 4:30 pm | Jesse Rice
  • 4:30 pm – 6:30 pm | Southern Drawl Band
  • 6:30 pm – 7:00 pm | Jesse Rice
  • 7:00 pm – 9:00 pm | Jimmy and the Parrots
  • 9:00 pm – 9:30 pm | Jesse Rice
  • 9:30 pm – 11:30 pm | Jim Asbell and the Tropiholics

Saturday, March 3rd

  • 10:00 am – 12:00 pm | Trop Rock Junkies
  • 12:00 pm – 12:30 pm | John Frinzi & Doyle Grisham
  • 12:30 pm – 2:30 pm | The Sauce Boss
  • 2:30 pm – 3:00 pm | John Frinzi & Doyle Grisham
  • 3:00 pm – 5:00 pm | Ramajay Intercoastal
  • 5:00 pm – 6:00 pm | The John Patti Project featuring Ms. Nadirah Shakoor
  • 6:00 pm – 8:30 pm | A1A
  • 8:30 pm – 9:00 pm | John Frinzi & Doyle Grisham
  • 9:00 pm – 11:30 pm | Boat Drunks with Ms. Nadirah Shakoor

Sunday, March 4th

  • 10:00 am – 12:00 pm | The Big Bamboo Band
  • 12:00 pm – 1:00 pm | Tropicool
  • 1:00 pm – 3:00 pm | Mr. Myers Band
  • 3:00 pm – 4:00 pm | Tropicool
  • 4:00 pm – 6:00 pm | Corned Beef and Curry


WineFest 2018: Wine’s World

Dates: Thursday, March 1st - Saturday, March 3rd

Location: Tampa Theatre (711 North Franklin Street, Tampa)

The festivities begin with a Wayne's World (1992) screening at 7:30 pm (doors open at 6:00 pm) on Thursday, March 1st. VIP tickets are $25 and general admission is $10. On Firday, March 2nd, enjoy a delicious multi-course meal taking place on the Theatre's historic stage for the Wine Pairing. Purchase tickets HERE. Finally, sample dozens of boutique wines and dine on treats from local restaurants during the Wine Tasting on Saturday, March 3rd. The premium tasting begins at 7:00 pm with the grand trasting occuring from 8:00 pm to 10:00 pm. Purchase tickets HERE.

Gasparilla Festival of the Arts

Dates: Saturday, March 3rd - Sunday, March 4th

Times: 9:00 am - 6:00 pm (Saturday) | 10:00 am - 5:00 pm (Sunday)

Location: Curtis Hixon Waterfront Park (600 North Ashley Drive, Tampa)

Cost: FREE Admission!

Come to one of the best art shows in the south! Along with hundreds of artists and vendors, check out the Art Car Extravaganza, Chalk Walk, Live Entertainment, Food & Drink, and more.

The Orchid Round Up Show & Sale

Dates: Saturday, March 3rd - Sunday, March 4th

Time: 10:00 am - 5:00 pm (Daily)

Location: Tampa Scottish Rite Center (5500 Memorial Highway, Tampa)

Cost: $5 per person (General Admission)

Marvel at spectacular orchids and find some to decorate your Tampa area home at this annual event.

Discover Ybor City at the 71st Annual Fiesta Day!

by Tammy Waugh

Come celebrate the culture and heritage of Ybor City at the 71st Annual Fiesta Day!! Head to this beautiful, historic Tampa neighborhood on Saturday, February 24th from 11:00 am to 6:00 pm for a full day of family-friendly fun! This FREE street festival commemorates the rich and diverse history of Ybor City. Find delicious ethnic food, unique arts & crafts, fantastic live music & cultural performances, and so much more! Also, be sure to stop by the first annual Tampa Bay Children's Book Fair for fun author readings and book signings. Do not miss this fantastic neighborhood event!



Schedule of Events

11:00 am - 6:00 pm | Wordier than Thou Kids Zone and Book Fair | Centro Ybor

11:00 am - 1:00 pm | Dancing & Music | The Gaucho’s Float & Krewe of Mambi Float

1:00 pm | Promenade of Flags | 7th Avenue

1:30 pm | The Romantics: For Lover’s Past Present and Future | The Gaucho’s Float

3:00 pm | Tampa City Ballet’s “Frida” | Centro Ybor

4:00 pm | Tampa City Ballet’s “Frida” | Krewe of Mambi Float

4:00 pm | The STRUT Band | The Bricks

4:00 pm - 6:00 pm | Dancing & Music | The Gaucho’s Float & Krewe of Mambi Float


Want to call historic Ybor City home? Check out the incredible Homes for Sale in Ybor City. Give The Sper Group a call today or visit our website at!

Image Credit: Ybor City Chamber of Commerce


Fun Festivals this Weekend in Tampa!

by Tammy Waugh

Enjoy another beautiful weekend in the greater Tampa area! Not sure what to do this weekend? There are 2 great festivals headed our way! Be sure to check out these incredible community events for a weekend filled with Florida fun!

Beer, Bourbon & BBQ Festival

Date: Saturday, February 17th

Time: 2:00 pm - 6:00 pm | VIP Bacon & Whole Hog Session starts at 12:00 pm

Location: Curtis Hixon Waterfront Park (600 North Ashley Drive, Tampa)

Cost: $39 per person (Regular Admission) | $75 per person (VIP Admission) |

Purchase Advance Tickets HERE!

Head to the original festival that started it all! Come enjoy a day of delicious barbeque, mouthwatering beverages, and fantastic live music! There will be 40+ bourbons and 60+ beers to taste. Try some of the best BBQ vendors you will ever find. Dance to rock & roll and bluegrass music all afternoon. Play fun games like giant jenga, cornhole, and more. Check out the exciting contests and learn more at all of the exhibits and seminars. For an extra special experience, get the VIP experience.

Cheval Winter Blues & Food Festival

Date: Sunday, February 18th

Time: 11:00 am - 5:00 pm

Location: Cheval Golf & Athletic Club (4312 Cheval Boulevard, Lutz)

Cost: FREE Admission!

Head to Lutz for some of the best live Blues entertainment you will find! Check out delicious craft beer from Tenth & Blake and enjoy food from the best food trucks from the area. This family-friendly event features a Kids Zone with face painting, bounce house, and more.

Entertainment Schedule

11:30 am - 1:00 pm | George Pennington III

1:30 pm - 3:00 pm | Pasco Lefty  

3:30 pm - 5:00 pm | Ed Wagner and the Home Cooking Band

The Sper Group hopes everyone a great time this weekend in greater Tampa!

Image Credits: Beer, Bourbon & BBQ Festival and Simply Events

Unique, Romantic Valentine's Day Dates in Tampa!

by Tammy Waugh

Love is in the air in Tampa! Valentine's Day is right around the corner. Make it a holiday you and your sweetheart will never forget! There are so many unique, romantic ways for you two to celebrate your love. Check out our recommendations for incredible Valentine's Day dates throughout Tampa!

--Enjoy a romantic carriage ride and Paris Themed Afternoon Tea at The Tilted Teacup.

--Brunch or dine on the bay with Yacht StarShip Cruises.

--Celebrate your love for each other and bourbon at the Epicurean Theatre’s Brown-Forman: Valentine's Edition.

--Create a beautiful work of art with your sweetheart during a Couple's Painting Class at Sweetwater Organic Community Farm.  

--Check out the Annual Ybor City Wine & Chocolate Festival for an afternoon filled with delicious treats and beverages.

--Explore Tampa with OMG Trolley and sample delicious sparkling wine from around the world.  

--Find love under the sea with a spectacular dinner at the Florida Aquarium.

--Hear the most romantic love songs ever written performed live by the legendary Andrea Bocelli at Amalie Arena.

--Laugh throughout dinner with a comedy performance by Finesse Mitchell at Improv Comedy Theater.  


The Sper Group wishes everyone throughout greater Tampa a very Happy Valentine's Day!


Tampa Farmer's Markets!

by Tammy Waugh

Beautiful weather year round means so much more than endless outdoor recreational opportunities in Tampa and the surrounding communities! It also means access to FARMER'S MARKETS throughout year!! Farmer's Markets help booster the local economy by connecting local artisans and farmers to the greater community. And, they make it easy for you to keep fresh, healthy food in your home's kitchen. Stock up on the most delicious, locally grown fruits, vegetables, dairy products, and meats. You will also find beautiful handmade goods and so much more! Enjoy our spectacular year round climate, support local businesses, and discover mouthwatering food at these Tampa Farmer's Markets.


Fresh Market at Bay Pines VA

October through May, 1st & 3rd Wednesdays of the Month

10:00 am - 2:00 pm

Bay Pines VA, C.W. Bill Young Medical Center (10000 Bay Pines Boulevard, Bay Pines)


Dunedin Downtown Market  

November through May, Every Friday

9:00 am - 2:00 pm

John L. Lawrence Pioneer Park (Main Street and Douglas Avenue, Dunedin)


Ybor City Saturday Market

Year Round, Every Saturday

9:00 am - 3:00 pm

Centennial Park (1901 19th Street, Tampa)

Fresh Market at the Shops at Wiregrass

Year Round, 1st & 3rd Saturdays of the Month

10:00 am - 2:00 pm

Shops at Wiregrass (28211 Paseo Drive, Suite 100, Wesley Chapel)

North Tampa Market

Year Round, 2nd Saturday of the Month

10:00 am - 2:00 pm

Carrollwood Cultural Center (4537 Lowell Road, Tampa)


Corey Avenue Sunday Market

October through May, Every Sunday

10:00 am - 2:00 pm

Corey Avenue (Between Boca Ciega Avenue & Gulf Boulevard, St. Pete Beach)

Fresh Market at Hyde Park Village

Year Round, 1st Sunday of the Month

10:00 am - 3:00 pm

Hyde Park Village (742 South Village Circle, Tampa)

Seminole Heights Sunday Morning Market

October through May, 2nd Sunday of the Month

10:00 am - 2:00 pm

Hillsborough High School (5000 North Central Avenue, Tampa)

What You Should Know About Appraisal Contingencies

by Tammy Waugh

Once you make an offer on a home and the buyer accepts its, you think its a done deal. But, wait! The house is appraised for less than you offered and now you cannot get a mortgage from the bank. You've already signed the contract and paid a deposit. Does this mean that you are out of luck? No Need to Fear! This is where appraisal contingencies come into play!


Appraisal contingencies are a set of conditions that must be met within a set amount of time for a legally binding real estate contact to come into effect. There are 3 main contingencies that you will see within a real estate contract.


1. Appraisal Contingency

This contingency helps the buyer secure a mortgage by stating that the home must be appraised at the sale price or higher in order for the deal to go through. Your bank will send a licensed appraiser to find the market value of the home. This is calculated based on the condition of the home, its location, and comparable properties in the area. Whenever the house is appraised for less than the offer, the bank will only cover the amount the house is appraised for, leaving you short. At this point both the buyer and seller can walk away from the deal. If neither of you want to, you can ask your bank to complete a second appraisal to reassess the value of the home. If the second appraisal comes back with a higher value, you might be able to get the loan amount you needed.

2. Finance Contingency

Although similar to the appraisal contingency, the finance contingency depends strictly on the bank granting the loan. A bank can agree to a loan that meets the finance contingency, even if the home is appraised at less than your offer. If you cannot make up the difference in the home price you offered and what the bank provides, you can exit the contract. You can help avoid finding a house that you will not get an approved loan for by knowing what you can afford from the outset. Use this Mortgage Calculator to help!


3. Inspection Contingency

This contingency requires that the home pass an inspection. This is one contingency that you definitely never want to opt out of!



For more Home Buying Tips, check out our Website and follow us on Facebook.   


Have Success Selling Your Home in 2018!

by Tammy Waugh

Selling your Tampa home in 2018? Set yourself up for success by following these simple tips! These selling tips will help you stand apart from the crowd and get your new year started off with success!


Appeal to Millennials.....and Baby Boomers!

It is important to understand what home buyers are currently making up the majority of the market so that your home can appeal to their needs. By the end of 2018, millennials are expected to occupy a large portion of the market. In general, millennials are starting to move to the suburbs. They are looking for access to amenities nearby so make sure to highlight any dining, shopping, and entertainment facilities nearby. They are also looking for homes that are smaller but have open floor plans. Finally, they care about saving money on utility bills so any green features your home has should be highlighted. Along with millennials, you want to focus you attention on attracting baby boomers. This generation is interested in staying in their own homes as they age. Make sure your home as universal design features that are accessible to all ages. Highlight important rooms that are all located on the main floor of your home, such as the master bedroom, bathrooms, and laundry.


Get a Pre-Inspection

 Home buyers do not want the hassle of putting a lot of time and money into their new home. They prefer it move in ready. Although buyers will likely still want to have their own inspection completed during the buying process, you can ease any concerns they might have by having your home pre-inspected. This allows you to ensure them of your home's current condition and gives you the opportunity to make necessary changes in a timely manner.


Make Your Home Smart

Modern home buyers love the convenience of smart home features. Unfortunately, with all the different platforms out there, there can be potential compatability issues. The last thing a home buyer wants is to have invested money in technology that they cannot use in their new home. Make sure that your system is broadly compatabile with all the major platforms in order to appeal to the widest range of buyers.


Spruce Up Your Video Tour

Online video tours are still a helpful feature to draw attention to your property. Help it really stand out from the competition by adding drone footage. This new technology allows you to highlight the property beyond the home itself and showcase your landscaping and neighborhood. Talk to your realtor about hiring a certified professional.


For more helpful Selling Tips, give The Sper Group a call today or visit our website at



Displaying blog entries 1-10 of 54

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Photo of Tammy Waugh - The Sper Group Real Estate
Tammy Waugh - The Sper Group
BHHS Florida Properties Group
13131 N. Dale Mabry
Tampa FL 33618