island property news may 2014

The place to find homes for sale and rent. Available free each monthfrom news stands and real estate agents islandwide.

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MediaHouse declared ‘real estate is back’ as it announced a new partnership with Island Property News earlier this month.

Beginning with this edition, Bermuda Sun, a MediaHouse subsidiary, has taken over content management, sales and marketing of Island Property News in print and online at islandpropertynews.com. Island Press, also a MediaHouse subsidiary, will continue printing and distributing the publication, but now will produce it in full colour and take it to more locations.

We´re delighted to present this issue with a brand new image and a fresh look, we’ve incorporated a Bermuda feel using bright colors and a stylish layout that will appeal to a broader audience

The publication will remain free to readers.

“We’re overjoyed to bring this publication under the MediaHouse roof,” said Glenn Jones, General Manager of MediaHouse. “Firstly, working with the owners has been a treat and secondly because we think the timing is perfect.

“Real estate is back and that makes it the right time to return the country’s leading real estate publication to its former glory. We’re the right media com-pany to make that happen.”

Island Property News has been in existence since 1986. Its current owners are

Diana Heslop and Tricia Lines Hill. They retain ownership of the publication, but have joined forces with MediaHouse in a new partnership agreement.

“We recognize MediaHouse and its subsidiaries’ expertise to enhance and package this unique real estate publication and are excited for what they will bring to the brand,” said Ms. Lines Hill.

“We are thrilled about this partnership to take Island Property News to a new exciting level,” said Ms. Heslop, “The realtors will now have an unlimited marketing reach through print and digital media combined.”

Bermuda Sun General Manager Lisa Beauchamp will have oversight of Island Property News. She has formulated a plan that includes more news content in the publication, more color images, more pages, wider distribution and the introduction of augmented reality.

Mrs. Beauchamp said: “We have already spoken to real estate industry advertisers and every single one of them has given us positive feedback about where we want to take the publication.

“Soon readers can use our augmented reality technology to see virtual tours of local properties or listen to tips from real estate agents right on their mobile devices. We see a very bright future for Island Property News; we can’t wait to get it out there for the public.”

www.islandpropertynews.com / May 2014 / Island Property News 01

Welcome to the mediahouse Family

may 2014Free

02 Island Property News / May 2014 / www.islandpropertynews.com

real estate index

GorhamsRealtor listing and overseasPurchasers guidelinesTuckers Point Real Estate Roderick DeCoutoJoy Lusher Real Estate Sinclair RealtyRentals listingsOvernight ConstructionProgressive RealtyCranfields Property BermudaBF&M

Island Property News is published and printed by MediaHouse

Bermuda - Bermuda Sun and Island Press, in partnership with Tricia Lines

and Diana Heslop

Booking Deadline:15th of the month prior to publication

Artwork submission deadline: 20th of the month prior to publication

contactSales Carlita Burgess 278 1852Diane Gilbert 278 1853Claire James 278 1855Trikeita Outerbridge 278 1804

Sales & EditorialLisa Beauchamp 278 1850Robyn Bardgett 278 1810

Distribution Larissa French 278 1851

Print Chris Mitchell 278 1809

Email:[email protected]

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realtor listings

1609 VIP Exec T. 232-1609 • F. 232-1610 E. [email protected] www.1609vipexec.com Acorn Realty T. 236-4800 • F. 232-4222 E. [email protected] www.acorn.bmBermuda Longtail Real Estate Ltd. T. 232-2769 • F. 232-2770 E. [email protected] www.bermudalongtailrealestate.comBermuda Property Link Ltd. T. 232-7272 • F. 232-7273 • C. 704-6212 E. [email protected] www.bermudapropertylink.comBermuda Universal Realty Ltd. T. 295-1546 • F. 295-8734Boeotia Property Company Ltd. T. 297-3038 • F. 297-2348 E. [email protected] Enterprises Ltd. T. 295-0754 • 295-1495 E. [email protected] www.capcar.comC.R.E. Properties Ltd. T. 535-5487 • F. 295-8158 E. [email protected] www.creproperties.comCareCorp Ltd. T. 292-2432 • F. 292-2175 E. [email protected] Bermuda Realty T. 735-3471 • F. 297-5873 E. [email protected] www.caribbermuda.free.bmCentury 21 Bermuda Properties T. 441-293-2121 F. 441-295-6840 www.century21bda.comColdwell Banker Bermuda Realty T. 292-1793 • F. 292-7918 E. [email protected]: www.bermudarealty.comCoral Properties Limited T. 295-7434 • F. 295-5944Cranfields Property Bermuda Ltd. T. 305-8074 • E. [email protected] www.bda4sale.comCrisson & Company Ltd. T. 295-0826 • F. 295-3221 E. [email protected] www.crissonrealestate.comDale Young Properties Ltd T. 441-236-5200 • F. 441-236-5201 E. [email protected] www.dyproperties.bmDeCouto & Dunstan Real Estate Ltd. T. 292-0616 • F. 295-4618 E. [email protected] www.decoutoanddunstan.comDunlop Realty Co. Ltd

T. 295-0734 • F. 295-8266 E. [email protected] www.dunloprealty.bmele Properties T. 296-7096 • F. 297-3787 E. [email protected] www.eleproperties.comFiduciary Realty T. 705-9538 • Lea T. 505-0675F. 232-2989 • E. [email protected] www.fiduciaryrealty.comGar Bermuda Ltd. T. 234-1674 • C. 332-9770 E. [email protected] W. www.garbermuda.bmGutteridge-Hart Property Management & Rentals T. 232-2437 or 504-0022 E. [email protected] Realty Ltd. T. 296-1518 E. [email protected] Property Services Estate Agents, Auctioneers & Appraisers T. 292-9328 • F. 278-9928 E. [email protected] Properties T. 236-2644 • F. 236-6202 E. [email protected] Realty & Associates T. 331-5532 • F. 234-2050 E. [email protected] www.jbmrealtyandassociates.comJoy Lusher Real Estate Ltd. T. 236-5120 • F. 236-7409 E. [email protected] www.joylusher.comKM Realty Ltd. C. 535-2400 • E. [email protected] www.kmrealty.bmKim Sheen Properties C. 734-1264 • T. 541-4977 E. [email protected] www.kimsheenproperties.bmKirkland Realty & Associates T. 335-3975 E. [email protected] & Company Ltd. P.O. Box HM 449, Hamilton HM BX T. 295-2525 • F. 295-0814 E. [email protected] www.kitson.bmLeonard O. Gibbons Real Estate Ltd., T. 292-4905 • F. 292-2175 E. [email protected] Orchard Real Estate Ltd. T. 524-6905 • E. [email protected] www.More.bmMasterkey Management Ltd. T. 234-7287 • C. 300-7287 E. [email protected] www.masterkey.bmMcInnis & Associates Ltd.

T. 295-1663 • Cell: 737-5753 F. 292-1210 • E. [email protected] www.hmcinnis.comMoura & Associates T. 236-0737 • F. 236-0413 E. [email protected] www.mouraandassociates.comMy-Bermuda-House.com Limited Tel. 292-6245 E. [email protected] www.my-bermuda-house.comPlatinum Realty T. 238-6037 • F. 238-6035 E. [email protected] www.platinumrealty.bmPremier Properties T. 232-0083 • F. 232-0083 E. [email protected] www.premierpropertiesintl.comPrime Equities Real Estate T. 295-4446 • F. 292-8324Progressive Realty Ltd. T. 295-4255 • F. 292-9950 E. [email protected] • www.prg.bmProperty Group Ltd., The T. 234-6900 • F. 234-6892 E. [email protected] www.property-group.comRego Sotheby’s International Realty T. 292-3921 • F. 295-7464 E. [email protected] www.regosothebysrealty.comRego Realtors T. 292-3921 F. 295-7464 E. [email protected] www.regorealtors.comRoderick DeCouto Real Estate Ltd. T. 292-4990 • F. 295-8530 E. [email protected] www.decoutore.comRuby Dane Realty T. 232-4461 • F. 232-7280 E. [email protected] www.rubydanerealty.comSinclair Realty/Christie’s Great Estates T. 296-0278 • F. 295-8693 E. [email protected] www.sinclairrealty.comSmithBridge Realtors T. 292-1388 • F. 296-0069Somers Realty Ltd. T. 236-4001 • F. 236-5588 E. [email protected] Gauntlett Realty Tel. 295-4747 • Fax. 295-4746 E. [email protected]. www.bermuda.com/hosted/tedgauntlettWigwam Real Estate Ltd. T. 297-3800 • F. 297-3801 E. [email protected]. Seymour Real Estate Ltd. T. 441-292-2342 • F. 441-292-8210 E. [email protected] www.wjseymour.bm

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the purchase oF property in Bermuda By non Bermudian / international Buyers is suBject tocertain restrictions and it Would Be useFul to have a knoWledgeaBle real estate proFessional to help navigate the process. Information supplied by Cranfields Property Bermuda

Generally speaking:International Buyers may only buy a house with an Annual Rental Value (ARV) over $177,000 or a condominium with an ARV over $32,400 which is in a Designated Development. Prospective International Buyers must apply for a Licence to Acquire Land and submit an application along with a consideration fee of $1 416.00 (refunded if the license to own property is granted).

From 1st April 2013 the cost of a License to Acquire is reduced from 18 percent to 6 percent of the purchase price of a condominium and from 25 percent to 8 percent of the purchase price of a house.

After 1st October 2014 the licence fees will rise to 8 percent of the purchase price of a condominium and 12.5 percent of the cost of a house

Agreement in principle between an international buyer and seller includes a

deposit of 10 percent of the purchase price. The deposit is held in escrow, sub-ject to contract, and deducted from the overall purchase price.

Properties that form part of a Tourism Designated Development or a Resort property are subject to a 6.5 percent licence fee.

International Buyers may not buy land without a dwelling on it, commercial real estate or property intended mainly to earn rental income.

International owners may be granted permission to rent their property by the Immigration Department. Permission rarely extends to periods of more than a year and includes a tax of 7.25 percent.

Prospective international buyers may want to review the Bermuda Immigra-tion and Protection Act 2007 amended 2012 or contact me for assistance.

Many people do not wish to engage a lawyer to draft their Will in order to save the expense, but preparing a homemade Will can lead to disaster and cost your estate great expense in the long run to construe the meaning of your Will and/or uphold the validity of your Will in court. This also applies to Wills downloaded from the internet, or purchased at a store. There are many requirements to draft a Will. If it is not properly drafted it can be set aside or considered void. Without professional training, provisions of a homemade Will could be drafted in a way that leads to uncertainty of intention. As they say, “penny wise pound foolish”.

There are many key formalities that need to be considered when drafting a Will, which is why a lawyer should always be engaged.

Firstly, a minor (anyone under the age of 18) cannot make a Will. Also an individual of unsound mind does not have capacity to make a Will. If any of the above individuals make a Will an application can be made to the courts to have the Will set aside.

In Bermuda, a Will is required to be in writing. A Will cannot be made by audiotape or video. A Will is required to be signed by the testator in the presence of two or more witnesses. It is important to note that a Will cannot be witnessed by anyone receiving a gift or benefit under the Will. If a beneficiary witnesses a Will, it will not be void, but any gift to the beneficiary (or their spouse) will be void.

Consideration should also be taken when making a Will in contemplation of marriage. Many people may decide to make a homemade Will and then subsequently marry. Unless the Will specifically states that it is being made in contemplation of marriage, upon marriage any former Will executed will be void automatically.

It is common to have multiple Wills in multiple jurisdictions. You may want to have a Will in place for your Bermuda assets and a Will in place for your internationalassets. Most standard Wills contain a revocation clause revoking all previous Wills with an earlier date. By making a homemade Will you may accidentally revoke an international Will that you may want to remain valid. You may wish to only revoke

home turnoFFs that make home-Buyers cringeBy Robyn Bardgett

While your home should be a reflection of who you are, it can be difficult for potential buyers to see themselves living in the space if it’s too overly personalized.The last thing they will want to see is a home filled with clutter or walls decorated in a very personal shade of bright orange.

Here are the most important areas in which you should begin working on if you are planning to sell or rent your home. How far you take the improvements to your home will depend on your budget, but there are a few things that are of great importance, including the cleanliness of the space, if you plan to give a good impression when showing your home.Clean upThis is an easy and inexpensive fix to make your home more appealing. A sink full of dirty dishes is a turn off no matter how beautiful the property. Make sure that the kitchen and bathrooms in particular are spotless. This is also a great time to think about decluttering. This will help when it comes time to move and is good to get a handle on any junk before you start to show your home.What’s that smell?Strong smells from cooking, pet odors or cigarette smoke can be a real turnoff. Make sure to air out your home and avoid cooking anything with strong smells before a viewing. Covering up the smells with strong sprays or candles could also backfire for people who are overly sensitive to smells.Fix itQuick fixes to broken lights or cracks in the walls can be a big help in selling your property.Décor Depersonalize the house of unique colors, displays of collections and hobbies, and family pictures so buyers can envision themselves moving in.

Photo by MCTMessy: Make sure to clean up your home before showing it to potential buyers.


all previous Bermuda Wills and leave a Will executed in a foreign jurisdiction in place.

When making gifts and legacies, you should consider providing a “gift over” provision in the event that the intended beneficiary fails to survive you. For example if you leave $50,000 to your best friend, and your best friend dies before you, do you want your best friend’s daughter to receive the gift in her place? Under current law if a gift over is not specifically provided for in a Will (except if it is a gift to your direct descendant) the gift will fail should the beneficiary predecease you.

You should also carefully consider defining the object of a gift to be given under a Will. For example if you intend to give your current car to your sister you need to ensure that your Will specifically refers to the car in question i.e. naming the make, color and registration number. If you intend on giving any car owned by you at the time of your death to your sister, such provision will need to be drafted differently i.e. to give any car owned at the time of my death to my sister. Even though the difference seems insignificant the impact on the gift given is

not. In the first case if you do not own the specifically mentioned car at the time of your death then the gift will fail and your sister will not receive anything. In the second case your sister will receive all of the cars that you own at the time of your death.

As you can see there are many key considerations and formalities required to draft a Will. Therefore if you want to make a Will and ensure that your assets are passed in accordance with your wishes, it is best to engage a lawyer. Do not leave your loved ones with the financial burden of having to make an application to the courts to either con-strue the terms of your Will or argue its validity.

This article contains information of a general nature and should not be relied upon as a substitute for professional legal advice given with respect to a particular factual situation.

Cheri Minors is an Associate of the law firm of Cox Hallett Wilkinson Limited. You may write to her with any questions you may have at [email protected] or call her on 294-1509.

homemade WillsCheri Minors, Associate, Cox Hallett Wilkinson Limited

SPANISH GRANGE: EXCEPTIONAL VALUE FOR A DYNAMIC FAMILY Set on three acres in prime central Smith’s Parish with immense ocean views, tennis court, swimming pool, media room, large gym, 5 bedrooms, 5.5 bathrooms, a one-bedroom apartment and a total of 10,000 square feet, this is a superb choice for an active family seeking an elegant lifestyle in a convenient location. The charming central courtyard with its fountain and climbing bougainvillea is a distinguishing feature, as are the arched French doors framing sparkling South Shore views.

Offered at US$ 6.95 million.

Available to Bermudians, PRC Holders & International Purchasers.

+1 441 296 0278 tel+1 441 295 8693 [email protected]

By Appointment

Bermuda’s Luxury Real Estate Specialist

SINC03-1339_The New IPN.indd 1 Tu / 4/22/14 15:42 www.islandpropertynews.com / May 2014 / Island Property News 05

and private extensive waterfront on the Great Sound, located adjacent to Riddell’s Bay Golf Club. Stunning views, extremely peaceful and private setting. Comprising: garage (with laundry), kitchen, dining room, enclosed sun porch, living room with fireplace, two bedrooms and one bathroom, unfurnished. Long lease available from June. Joy Lusher Real Estate Ltd. Contact Donna Bennett: [email protected] or 535-9909 or Diana Martin: [email protected] or 337-0226 orChristie Plathe: [email protected] or 332-2296

$5,000 - Belmont Golf Course Villa: Elegant executive townhouse style villa on the golf course at Belmont. Two bedrooms, two bathrooms, modern kitchen,living/dining room with fireplace, patios. Blu Restaurant and Sushi Bar are on the site, and the Belmont ferry stop is just a short walk away. Also convenient to public bus transportation and Lindo’s Market. Available July 1st. Joy Lusher Real Estate Ltd. Contact Donna Bennett: [email protected] or 535-9909 or Diana Martin: [email protected] or 337-0226 or Christie Plathe: [email protected] or 332-2296

$5,500/Month - The Bluffs is a four-condominium development on Admiral Lane in Southampton perched high on a hill, close to Church Bay beach, bus routes and restaurants. Upper level condominium is on one level and has stunning views of the Great Sound, looking all the way to Dockyard. The unit comprises three spacious bedrooms, two full bathrooms and one powder room. French doors to a spacious covered verandah for outdoor entertaining. There is a built in gas fireplace, surrounded by rustic cut rock accented by a cedar mantle piece. The kitchen is fitted with modern stainless steel appliances. A large granite island connects the kitchen area and the living room. The island provides a perfect area for family socializing. Adjacent to these areas is a separate dining room, and a separate den or office. (Listing No. 729) Roderick DeCouto Real Estate Ltd. Email: [email protected]. Ph. 292-4990

$5,500 - Executive Penthouse Apartment off Richmond Road. This furnished apartment is in a lovely development and offers high end finishes just a few minutes walk from the City of Hamilton shops, offices and restaurants. The open plan layout consists of a modern kitchen with laundry, combined living and dining area, one bedroom, one bathroom, assigned underground parking for cars and bikes, dry storage, secure swipe card access and an elevator. Joy Lusher Real Estate Ltd. Contact Donna Bennett: [email protected] or 535-9909 or Diana Martin: [email protected] or 337-0226 orChristie Plathe: [email protected] or 332-2296

$6,500 - Panoramic Harbour views from Belmont Hills. Lovely two bedroom, two bath en suite, unfurnished condominium at Belmont Hills, with a large terrace overlooking Hamilton Harbour. All fixtures and appliances are of the highest standard, perfect for the busy executive lifestyle. Also included with this unit is use of Belmont Golf Course, swimming pool and gym. Blu Restaurant and Sushi Bar are on site, and the Belmont ferry stop is just a short walk away. Available May 1st. Joy Lusher Real Estate Ltd. Contact Donna Bennett: [email protected] or 535-9909 or Diana Martin: [email protected] or 337-0226 or Christie Plathe: [email protected] or 332-2296

$7,950/ Month - Luxurious Living - This 3,000 square feet two story French provincial home includes everything you would demand for upscale living. Boasting quality fixtures and fittings, feast on this property for the price of $7,950 per month (offers are welcomed). As you enter foyer, the smell of cedar beckons you. Stunning entry foyer with circular staircase will greet your guests, along with the attractive flooring throughout. Wow! Not lacking in

rental listingsDEADLINE FOR THE SUBMISSION OF RENTAL LISTINGS IS THE 15TH OF THE MONTH PRIOR TO PUBLICATIONPlease send your rentals to Larissa French at [email protected] or phone 278-1851

$1,150/Month - Studio apartment bath with stove and fridge high on a hill with great views of the water. Apartment has its own tank, porch and plenty of lawn space. Neighborhood watch.

$950/Month - One bedroom apartment with bath, living room and kitchen, located off North Shore, Devonshire Parish . Progressive Realty Ltd. 295-4255 available 1st. May 2014

$2,200/Month - Two bedroom upper apartment with bath, living/dining room, kitchen with stove and fridge and laundry facility located in a quiet residential area in Smith’s Parish. For more information contact Progressive Realty Ltd. at 295-4255

$2,500/Month - Two bedroom apartment with bath, living room with functional fireplace, dining area, an kitchen with stove, fridge, washer and dryer all stainless steel appliances having an enclosed lawn area convenient for entertaining located off South Shore, Warwick Parish. For more information contactProgressive Realty Ltd. at 295-4255

$3,000/Month - Unfurnished spacious main level three bedroom apartment - available mid-April. This spacious apartment comprises three large bedrooms, two full bathrooms, a large living room with working fireplace, separate dining room, large kitchen and laundry with full size washer and dryer. There are hard wood floors in the dining room and kitchen, and wall to wall carpeting in the living room and bedrooms. All three bedrooms are air conditioned and have ceiling fans. Convenient for grocery stores and South Road bus route. (Listing No. 698) Roderick DeCouto Real Estate Ltd. Email: [email protected]. Ph. 292-4990

$3,500 /Month - Winton Hill Manors Condominium Spacious and modern upper level end unit with unobstructed views of the North Shore.This charming unit comprises three bedrooms with good closet space, two bathrooms, living room with sliding glass doors to the open, wrap-around patio for outdoor entertaining, a separate dining room and modern galley style kitchen. There is also a separate storage room and a stacked washer and dryer. The unit is tiled throughout and has split sytstem air conditioning. It could be rented either partly furnished orunfurnished and is available for rent May/June 2014. (Listing No. 678) Roderick DeCouto Real Estate Ltd. Email: [email protected]. Ph. 292-4990

$3,500/Month - Wildwood, a fun place to live. See this furnished two bed/2 bath for rent available now. This split-level modern and immaculate unit features an open plan kitchen, living and dining room leading onto the semi-wraparound patio. Guests will enjoy al fresco dining or spending quality time at your new home with the patio offering lots of sunlight and cool breezes. Storage and laundry area. Upstairs you have the bedrooms and bathrooms. Master bedroom has a bathroom en suite and double vanities for convenience.Common lawn for children to play or the adults to use for entertaining after the kiddies go to bed. Split system air conditioning throughout. Minutes from South Shore beaches, fine dining and scenery. Watlington Waterworks for flushing and a shared tank ensures that water is not an issue. Bonus accommodations for those who have guests visiting from overseas as there is a turnkey one bedroom on the premises which can be offered on a daily or monthly basis (rates can be provided).For additional information or to arrange a viewing, please contact the Listing Agent Ambika Scott of 1609 VIP. Exec at 735-2386 or via email at [email protected] are welcomed. Price is negotiable.

$4,000: Carmel by the Sea on Riddell’s Bay inWarwick is an adorable cottage nestled on approximately ½ acre

space, this main house features an open plan eat-in kitchen (breakfast bar) and state-of-the art appliances complete with Viking cookware, formal dining room with gas fireplace, private living room. Master bedroom features a bathroom en suite, his/her sinks, deep soaking tub and separate shower stall. Junior bedrooms with sufficient closet space and two additional bathrooms (one on ground level). Den/office/guest quarters, laundry room and basement complete this magnificent property. Different views throughout the house overlook the wooded backyard, pool and patio area. Spacious enough for a family and roomy enough for a couple. With only three homes on the lane, this location is the epitome of private living. Enjoy the solitude that this parish has to offer and take advantage of the conveniences at your fingertips. A stone’s throw from the bus route, Watford Bridge and minutes from the fast ferry. Travel to work in style and speed on your daily commute. Contact Ambika Scott of 1609 VIP. Exec to view this lovely listing today. Call 735-2386 or email [email protected].

$9,500/Month - utilities included (cap on electricity)- This 3 bedroom, 2.5 bathroom lower unit is available for the busy executive. Surrounded by all amenities, these condominiums have always been in high demand. Features include: Solid oak flooring throughout, Sub Zero and Wolf stainless steel appliances including washer and gas dryer, solid wood kitchen cabinets with granite surfaces, lower parking and storage with an elevator access, commercial grade generator for worry free power. Spacious bedrooms and an open plan kitchen/living/dining room. This unit also has a secluded garden area to enjoy the outdoors in. The location provides easy access to public transport, shopping facilities and restaurants without the hustle and bustle of the City of Hamilton. Available furnished/unfurnished.Available 06/1/2014. Contact Ambika Scott of 1609 VIP. Exec to view this lovely listing today. Call 735-2386 or email [email protected]. Offers are welcomed.

$ 10,500 per month - A home for the family and more. With views like this and the pool for entertaining you’ll love calling this place home. This large 3 bedroom, 3.5 bath home with a full one bedroom apartment has it all. Located in Southampton within easy reach of South Shore it is vacant and easy to show. So call me, Sharon Cranfield, at Cranfields Property Bermuda Ltd email: [email protected] or 305 8074 if you would like an appointment to view

$12,000 - Gaylawns is conveniently located within walking distance of Hamilton, and is a two-storey family home comprising an open plan living/dining room, eat-in kitchen, master bedroom ensuite, second bedroom and bath on one floor. Downstairs are two guest bedrooms with shared bath, a den’family room and an office. There is a large patio pool area, which joins onto a beautifully manicured garden. Perfect for children!! Semi-furnished or unfurnished. Available now. Joy Lusher Real Estate Ltd. Contact Donna Bennett: [email protected] or 535-9909 or Diana Martin: [email protected] or 337-0226 or Christie Plathe: [email protected] or 332-2296

$ 18,000 per month - Wake to breakfast on Tilbury’s deep covered veranda overlooking the pool with a backdrop of the stunning South Shore! Here is an opportunity to live in a comfortable 3 Bedroom 3½ bathroom family home near Tuckers Town with private access to a beautiful beach. There is a cottage, garage and pool. It comes fully furnished and is available immediately. Contact Sharon Cranfield, Cranfields Property Bermuda Ltd. email: [email protected] or 305 8074


BF&M GENERAL295-5566 [email protected] www.bfm.bm112 Pitts Bay Road, Pembroke HM 08, Bermuda

Update Your Home InsuranceBF&M’s Home Insurance can make sure you are protected – from building and contents to mortgage protection that provides benefits in case of disability or death. Are you renting? BF&M offers contents-only cover that includes everything from possessions to tenant liability.

Phone 295-5566 for details or go online at www.bfm.bm.

I N S U R A N C E M AT T E R S F O R Y O U R H O M E

Home Insurance


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