Real estate on the Gulf Coast — and the mindset it takes to do it well. Katie Ragland is an Associate Broker in Alabama and REALTOR® in Florida serving Baldwin County and the Pensacola area. Before real estate, she spent over a decade as a licensed massage therapist and years as an exotic animal trainer. She brings all of it. Keys & Clarity covers the honest side of buying, selling, and building a life on the Gulf Coast — for clients, for agents, and for anyone who's ever wondered if it's too late to start something new.
The Baldwin County Grant That Isn't a Loan: HAP, Explained
There's a Baldwin County program that can put up to $85,000 toward buying a home — and it's not money you pay back. In this episode, Katie Ragland breaks down the Homeownership Assistance Program (HAP) in plain English: what it is, why the "it's a grant, not a loan" distinction changes everything, who it's generally built for, and what the process actually looks like from the homebuyer education class to lender pre-approval. If affordability has been the one thing standing between you and a home on the Gulf Coast, this is the door a lot of buyers don't realize is open. Katie also explains where the funding comes from (federal disaster recovery dollars tied to Hurricanes Sally and Zeta), why that shapes who qualifies, and how to confirm the official details before you build a plan around it. Questions about buying in Foley, Elberta, Gulf Shores, or anywhere across Baldwin County? Call or text Katie at 256-366-6974, or visit linktr.ee/katieraglandrealtor®. Katie Ragland, Realtor® · Real Broker, LLC.
8 Aug 2026
You Actually Get a Say: Baldwin County's Draft Master Plan 2026
Baldwin County is one of the fastest-growing counties in Alabama — and right now there's a document on the county website that shapes land use, roads, infrastructure, and open space for years, open for public comment before the fall votes. In this episode I break down what the Draft Master Plan 2026 actually is, why a land-use plan touches your street more directly than it sounds, and how a handful of residents who speak up carry outsized weight. I also point you toward a free community program, 'Building Baldwin County: Balancing Real Estate, Growth and Community,' on Aug. 13 at the USA by the Bay Auditorium in downtown Fairhope with Dr. Grayson Glaze of the University of South Alabama. Whether you're planted here for good or researching a move to the Gulf Coast, this is the quiet stuff that shapes the rest.
Questions about buying or selling as the county grows?
Reach Katie Ragland, Realtor® · Real Broker, LLC at 256-366-6974.
More resources: linktr.ee/katieraglandrealtor
3 Aug 2026
Reading Foley: Why the Small Stuff Downtown Tells You More Than the Big News
Foley, Alabama is growing, and most people are watching the biggest projects on the board — the indoor aquatic center, the Wolf Creek Park boardwalk, the 99-acre Magnolia Walk development. Katie has covered each of those in earlier content, so this episode goes the other direction. She walks through the quieter changes that actually shape daily life: the new 40,000-square-foot public library opening August 4 on East Orange Avenue, Half Shell Oyster House opening in the historic Foley Bakery building downtown, and Foley Main Street's new Friends of Downtown Foley giving program. Along the way, she shares the framework she uses with relocating clients for reading whether a growing town is becoming a place you'd actually want to stay — not just a place spending money. If you're considering a move to Foley or anywhere along the Alabama and Florida Gulf Coast, this is the honest version of what growth looks like. Questions or want to talk through a move? Call or text Katie at 256-366-6974.
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