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Tina Racette - The Joe Real Estate

About Us

Meet Tina Racette

Coastal REALTOR® | Relocation Expert | Founder — Keys & Collars™ Real Estate

Tina began her career in finance and accounting in Woodbury, Minnesota, before discovering her passion for real estate. In 2023, she and her husband — along with their rescue pups, Landers and Dolly — relocated to Port St. Joe, Florida. That experience inspired her mission: helping others make big moves with confidence and peace of mind.

With firsthand relocation experience, a tax and finance background, and a calm, supportive approach, Tina guides buyers and sellers through the Gulf Coast real estate market — from Port St. Joe to Mexico Beach and Cape San Blas.

Why Work With Tina
• Midwest-to-Florida relocation guidance
• Hands-on support from search through closing
• Financial & tax-focused real estate insight
• Experience as a homeowner & investor
• Concierge-style service & clear communication

As founder of Keys & Collars™ Real Estate, Tina donates a portion of every closing to local animal rescues — because finding the right home should help another soul find theirs.

Areas Served

Bay County, FL | Cape San Blas, FL | Gulf County, FL | Mexico Beach, FL | Port St. Joe, FL

What We Offer

Our Specialties include:

Selling Homes
Buying Homes
Property Management
Vacation Rentals

Our Services include:

Selling Homes
Buying Homes
Rental Listings
Relocation Assistance
Referral to Mortgage Brokers
Referral to Inspectors
Local Market Expertise
Property Management
Vacation Rentals

Contact Us

Tina Racette - The Joe Real Estate
Port St. Joe, FL 32456
Phone: (651) 329-9403
Email: tina@tinaracette.com

Serving a 60-mile radius

Where To Find Us

Our Hours

Holiday Hours May Vary. Please Call For Details.

Monday: Open 24 Hours
Tuesday: Open 24 Hours
Wednesday: Open 24 Hours
Thursday: Open 24 Hours
Friday: Open 24 Hours
Saturday: Open 24 Hours
Sunday: Open 24 Hours

Info

The Joe Real Estate
Keys & Collars
Humane Society

FAQ

Do you assist with property management

YES! I provide guidance and resources for property management, including short-term rental setups on platforms like Airbnb and VRBO. Whether you’re looking to maximize your investment or streamline operations, I can connect you with trusted local services and share best practices for managing coastal rental properties.

What financing options work well for coastal properties?

Conventional, jumbo, VA, and portfolio loans are common. For condos or investment properties, we’ll confirm lender condo reviews, reserves, and rental policies early.

What sets you apart?

Through Keys & Collars™ Real Estate, a portion of every closing helps local rescue animals find safe, loving homes.

What areas do you serve?

Port St. Joe, Mexico Beach, and Cape San Blas—plus surrounding communities across Gulf County and eastern Bay County. If your search expands, I’ll guide you or refer trusted local partners where needed.

Do you have trusted lenders, inspectors, and insurance contacts?

Yes. I maintain a vetted list of local professionals experienced with coastal properties, VA/USDA/FHA loans, condos, and investment financing.

Are short-term rentals allowed in these areas?

Regulations vary by city, county, HOA, and specific neighborhood. I’ll verify for each property:

Zoning and permitting requirements
HOA/COA rules (minimum stay lengths, guest policies)
Expected occupancy seasons and local demand
Property management options and projected cash flow