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Javier A Pagan

Home
United States
Odessa, FL
Javier A Pagan

Broker practicing real estate in the Greater Tampa Bay Area since 2002! Javier A. Originally from Puerto Rico, Javier has been a resident of Tampa since 1999.

Pagan is an experienced real estate professional with over 18 years as a real estate agent and 3 years as a real estate broker in Tampa Bay, FL. He has a strong background in the mortgage industry, having worked as a mortgage broker from 2004 to 2010 while also serving as a realtor. Javier has extensive experience in various property types, including single-family homes, mobile homes, timeshares,

and commercial properties. Fluent in English and Spanish, he can effectively communicate with a diverse range of clients. Since obtaining his real estate license in 2002, Javier has successfully closed thousands of properties, showcasing his dedication and expertise. In addition to his real estate accomplishments, he worked as a banker from 2011 to 2016 and achieved the series 6 licensing during that time. Javier also holds licenses in variable annuities and life insurance, enabling him to provide comprehensive financial guidance. He is a devoted family man, married for 27 years with one son and two daughters. Javier's personal values of integrity, loyalty, and dedication shine through in both his professional and personal life. With his in-depth knowledge, bilingual skills, and commitment to exceptional service, Javier A. Pagan has established himself as a respected leader in the real estate industry. He consistently goes above and beyond to ensure his clients' needs are met and their real estate goals are achieved.

01/17/2026

Come see it in person! I've scheduled an open house for Sat, Jan 17 @ 12:00 - 3:00PM and Sun, Jan 18 @ 12:00 - 3:00PM. Click on the image to see all the listing details, or contact me directly if you'd like to learn more.

01/06/2026

🏠 Now Available: 3 Active Listings in Tampa Bay Area

I currently have three properties on the market, each offering unique value depending on location, layout, and price point.

If you’re actively searching or know someone who is, feel free to reach out. I’m happy to provide details, pricing, or schedule private showings.

📍 Tampa Bay, FL
📞 Message me directly for more info

Javier Pagán
Broker | J & S Bay Realty, LLC

12/17/2025

Tampa Real Estate Market Update – December 16, 2025

Inventory is down, homes are moving, and pricing strategy is more important than ever.

This quick update breaks down what’s happening right now across single-family homes, condos, townhomes, and apartments, and what it means if you’re buying, selling, or coordinating both.

Real estate decisions should be intentional, not rushed.
If you’re thinking about making a move in Tampa Bay, I’m here to help you navigate it with clarity and confidence.

📩 [email protected]

— Javier Pagan, REALTOR®

12/11/2025

You’re invited to an Open House!

This beautiful home in San Antonio, FL features 4 bedrooms, 2.5 bathrooms, and 2,260 sqft of comfortable living space. The layout is open, bright, and perfect for families or anyone looking for extra room to grow.

Located in a wonderful community, this property offers great value at $394,500.

Come check it out in person at 10535 Penny Gale Loop — I’ll be there to answer any questions and walk you through all the features.

If you’ve been thinking about making a move in 2025, this might be the opportunity you’ve been waiting for.

Javier Pagán
J & S Bay Realty

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¡Estás invitado a un Open House!

Esta preciosa propiedad en San Antonio, FL ofrece 4 habitaciones, 2.5 baños y 2,260 sqft de espacio cómodo y bien distribuido. Su diseño abierto y su ambiente luminoso la convierten en una excelente opción para familias o para quienes desean más espacio.

Ubicada en una comunidad encantadora y a un precio atractivo de $394,500, esta casa puede ser exactamente lo que has estado buscando.

Visítame en 10535 Penny Gale Loop — con gusto te guiaré y responderé cualquier pregunta.

Si estás pensando en mudarte en el 2025, esta puede ser tu oportunidad.

Javier Pagán
J & S Bay Realty

12/09/2025

Odessa, FL Market Update | December 2025

The latest data for Odessa shows a balanced but shifting real estate market — great news for both buyers and sellers who are planning their next move.

📉 Inventory: 3.5-month supply
– Down 7% from last month
– Up 7% from last year

🏡 New Listings: 32
Median list price: $732,500

📌 Active Listings: 164
Median list price: $744,500

📝 Pending Sales: 31
Median list price: $699,500
Median days on market: 33

💰 Sold Listings:
Median sold price: $727,500
Up 3% since last month
Homes selling at 96.86% of list price
Median 81 days on market (+53%)

What does this mean for YOU?

➡️ Sellers: It’s still possible to sell strong — but pricing right and standing out matters more than ever.
➡️ Buyers: More days on market means more negotiating power and opportunities.

If you're planning a 2026 move, let’s build the right strategy for your goals.

Javier Pagan
J & S Bay Realty
📧 [email protected]

📍 Serving Odessa & Tampa Bay

12/08/2025

2026 is shaping up to be a strategic year for both buyers and sellers and JBREC’s latest insights confirm it.

Their research shows a shift in demand toward ages 40–55 and 70+, stabilizing construction costs, and a rental market expected to stay soft through 2026. This creates more opportunities for buyers, while strategic sellers can still achieve strong results.

Real estate remains one of the most reliable paths to generational wealth whether you're buying your first home, upgrading, downsizing, or selling to reinvest.

If you’re planning for 2026, strategy is the key. Pricing, timing, and understanding demand matter more than ever.

Thinking about buying or selling next year?
Let’s talk about how to position yourself for success in a shifting market.
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El 2026 será un año estratégico tanto para compradores como para vendedores y el reporte de JBREC lo confirma.

Su análisis muestra un cambio en la demanda hacia las edades 40–55 y 70+, costos de construcción más estables y un mercado de alquiler que seguirá suave hasta 2026. Esto crea más oportunidades para compradores, y los vendedores con una buena estrategia pueden lograr excelentes resultados.

El mercado inmobiliario sigue siendo uno de los caminos más fuertes hacia la riqueza generacional. Ya sea comprando, vendiendo o reinvirtiendo.

Si estás planeando para el 2026, la clave es la estrategia. El precio, el tiempo y entender la demanda serán más importantes que nunca.

¿Pensando en comprar o vender el próximo año?
Estoy aquí para ayudarte a crear un plan que te beneficie en este mercado cambiante.

12/05/2025

You are invited!
Discover the comfort, style, and charm that make this home truly special. Touring this beautiful property lets visitors experience its warm atmosphere and modern design, helping them imagine their life here.

If you’re looking for a place that feels inviting from the moment you walk in, this is it. Come see it in person and fall in love!

📍 Penny Gale Loop
📅 Open House Details - Dec. 12th from Noon to 3pm
📞 Contact Javier — J & S Bay Realty

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¡Estás invitado!
Descubre la comodidad, el estilo y el encanto que hacen de esta casa un lugar único. Al recorrer esta hermosa propiedad, los visitantes pueden sentir su ambiente acogedor y su diseño moderno, imaginando cómo sería vivir aquí.

Si buscas un hogar que se sienta especial desde el primer momento, este es el indicado. ¡Ven a verlo en persona y enamórate!

📍 Penny Gale Loop
📅 Detalles del Open House - Dec. 12th from 12pm a 3pm
📞 Contacta a Javier — J & S Bay Realty

12/04/2025

In a market where every detail matters, the right agent makes all the difference.

At J & S Bay Realty, LLC, I focus on one thing:
real service, smart strategy, and results that protect your investment.

From market analysis and strong negotiation to digital marketing and full transaction coordination… I’m here to guide you with clarity and confidence.

🏡 Buying, selling, or investing, let’s build a strategy that actually works for you.

Real estate isn’t about moving fast…
it’s about moving smart.

Javier A. Pagán
Florida Licensed Real Estate Broker

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En un mercado donde cada detalle cuenta, tener el agente correcto marca la diferencia.

En J & S Bay Realty, LLC, me enfoco en algo simple:
servicio real, estrategia clara y resultados que protegen tu inversión.

Desde análisis de mercado, negociación fuerte, marketing digital avanzado, hasta coordinación completa del proceso… soy tu recurso en Tampa Bay y alrededores.

🏡 Comprar, vender o invertir, trabajemos una estrategia que realmente te convenga.

En este mercado, no se trata de moverse rápido…
se trata de moverse con inteligencia.

Javier A. Pagán
Florida Licensed Real Estate Broker

12/02/2025

Come see it in person! I've scheduled an open house for Sat, Dec 6 @ 12:00 - 3:00PM. Click on the image to see all the listing details, or contact me directly if you'd like to learn more.

11/25/2025

Now Active! 9933 Saunton Dr, San Antonio FL 33576

Discover this beautifully kept K. Hovnanian built home in the peaceful community of Autumn Oaks. Enjoy breathtaking water views, an open-concept layout, and premium features throughout.

This home offers:
✔️ 3 Bedrooms / 2 Bathrooms
✔️ 1,699 SqFt of living space
✔️ Built in 2016
✔️ Spacious kitchen with large island & solid countertops
✔️ Ceramic tile floors & recessed lighting
✔️ Stunning owner’s suite with tray ceiling, walk-in closet & stylish bathroom
✔️ Screened paver lanai overlooking a serene pond
✔️ Energy-efficient double-pane windows & radiant barrier insulation
✔️ Located minutes from I-75, Wiregrass, The Grove, and Tampa Premium Outlets

Perfect for anyone seeking tranquility, convenience, and modern living in an ideal Pasco County location.

📍 9933 Saunton Dr, San Antonio, FL
📞 Message me to schedule your private tour.

11/20/2025

🏡 Why Lower Mortgage Rates Aren’t Enough to Fix Housing Affordability

Lower mortgage rates are helping — but not nearly as much as people expected.
A new analysis shows why affordability is still stretched, even as rates improve.

💡 1. Home Prices Grew Faster Than Incomes

For most of the past 50 years, home prices moved closely with household income.
Recently, prices surged far beyond what people earn.
Lower rates can’t close that gap by themselves.

💡 2. More Listings Doesn’t Mean More Affordable Homes

Inventory is up in many areas…
but affordable listings haven’t recovered.
Middle-income households can afford far fewer homes today than before the pandemic.
Meanwhile, higher-income buyers — often using cash or heavy down payments — continue to move forward.

💡 3. Different Markets, Different Pain Levels

Starter homes are still seeing intense competition, especially in the Northeast and Midwest.
Some states have seen prices more than double over the last decade due to chronic inventory shortages.
Other states with strong building activity saw slower price growth — but affordability is still strained.

💡 4. Escrow Costs Are the New Affordability Crisis

Property taxes and insurance haven’t just gone up — they’ve exploded.
In some markets, escrow now makes up a massive share of the monthly mortgage payment and can even exceed principal + interest.
This is one of the biggest factors keeping buyers on the sidelines.

11/19/2025

🔥 The Real Discount of 2025 Isn’t in the Listing Price! It’s in the Financing Strategy

Everyone keeps talking about “waiting for prices to drop,” but the biggest opportunity in today’s market is something most buyers overlook:

👉 Buydowns + Seller Credits

With rates still high and inventory moving slowly, sellers are much more open to covering:

• Closing costs
• Points
• Temporary buydowns (2-1 or 3-2-1)
• Permanent rate buydowns
• Prepaids
• Home warranties

And here’s the part no one tells you:

A seller paying $12K–$20K to lower your rate often saves you 3–4 times more per month than a price reduction of the same value.

Example:

• Rate drop from 7% → 5% = ~$515/month savings
• $20K price drop = ~$130/month savings

One changes your monthly comfort.
The other barely makes a dent.

💬 If you were buying—would you take the lower rate or the lower price?

Address

Odessa, FL
33556

Opening Hours

Monday	9am - 8pm
Tuesday	9am - 8pm
Wednesday	9am - 8pm
Thursday	9am - 8pm
Friday	9am - 8pm
Saturday	9am - 8pm

Telephone

+18134756228

Website

facebook.com

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