Lance Musick

Email: Lance Musick
   Office: (850) 897-1101
      Fax:  (850) 897-1143
 Toll Free: (888) 390-4450

We serve Bluewater Bay, Swift Creek, Rocky Bayou, Niceville, Valparaiso, Destin, Fort Walton Beach, Shalimar, and 30-A, Florida.


"Thank you so much for taking such good care of us over the years! We would never have made it without your help! Please keep in touch, and I have a feeling that we will be headed back your way after this tour and will look for you to help us out again!"

- Earl and Debbie

Lance Musick, Realtor, Property Manager

"Exclusive Buyer or Seller Representation"


The right realtor can make all the difference!
Make sure your real estate agent is working for you!

My business philosophy is simple…Focus on the customer's needs FIRST!

After spending 12 years in "Corporate America", I took a risk and began chasing my dream of owning a small business. Fortunately, the previous owners of Baywalk Real Estate, Inc. (Jim & Jane Rainwater) were close family friends, and open to the idea of selling their successful real estate firm. The end result is a partnership that leverages trusted values, a deep understanding of local real estate, and innovative new ideas… to create the best possible experience for our customers.

My Pledge To Customers...

Above all else!

Timely & Consistent Communication
I take pride in being available and responsive to my customers

My goal is to be organized, prepared, and courteous

Critical Thinking Skills
Not just pushing papers, or "checking the box"

Follow-Thru & Accountability
My approach ensures progress is made, and action items are completed

A Special Message for Veterans & Active Duty Military...

Given the close proximity to multiple military installations, I'm thankful for the opportunity to serve those who so bravely serve our country. I view this opportunity as a small way of repaying you for your sacrifices, and will work hard to meet your real estate needs.

My Background:

  • Born & raised in Augusta, IL.
  • Attended Morningside College (Sioux City, IA) on a basketball scholarship, and received a B.S. degree in Business Administration
  • After graduating, I was a college basketball coach (The University of South Dakota) for 3 years.
  • In 2004, I began working at GlaxoSmithKline, as a Pharmaceutical Sales Rep.
  • After 5 years in the pharmaceutical industry, I accepted a supply chain management position at Dot Foods, Inc. (No. 65 on Forbes list of Largest Private Companies). Over the next 8 years, I was able to earn multiple promotions and eventually became part of the executive team, overseeing $6.2 billion in annual revenues.
  • I currently reside in Santa Rosa Beach, FL and enjoy taking advantage of all the outdoor activities this area has to offer.

Buying a Home

Are you ready to buy your next dream home? Below are a few steps to help you on the way to achieving your goal.

1. Establish the type of financing you'll need, before beginning your new home search.
We'll be happy to assist with this. You can find current interest rates here and please feel free to use this online mortgage calculator to see how much home you can afford.

2. Search the complete multiple listing service database to find homes throughout the entire Northwest Florida area, even those listed outside of our company.

3. Contact us for insight into the local real estate market, and to set up appointments
to view properties.

4. Select the right property and allow us to guide you through the complex contract and negotiation process.

Click here for our Buying a Home tips!

Selling a Home
Allow us to take care of the stress of selling your property. Jane believes in keeping sellers constantly updated and informed on the listing progress through frequent emails and phone calls.  Click here for our Selling Your Home tips!

Our Marketing Services include:
  • Free Comparative Market Analysis
  • Advice to sellers on the best and easiest way to show their home
  • Frequent contact with sellers, and prompt feedback on all showings
  • Yard Sign with flyer box
  • Open House
  • Realtor Tour
  • Property Disclosures
  • Virtual Tours
  • Emerald Coast Homes Online
  • Northwest Florida Daily News
  • Emerald Coast Association of Realtors MLS
  • Truilia
  • Military by Owners
  • AHRN
Maximum Exposure:
  • SUPRA Lockbox for restricted access
  • Prompt entry in the Multiple Listing Service
  • Multiple interior and exterior photos
  • Comprehensive and accurate information
  • Easy to understand directions and showing instructions
  • Guidance through the complex negotiation and contract process
  • Coordination of inspections
  • Close monitoring of the transaction through closing.

  • Member Emerald Coast Association of Realtors
  • Member National Association of Realtors
  • Graduate Leadership Development Program
  • Member Multi-Million Dollar Sales Club
  • Relocation Specialist
  • E-Pro Internet Professional

1994-Present - Baywalk Real Estate, Inc.
1989-1994 - Murray Realty, Bicester, England, United Kingdom

1993 - Graduate of the Royal British Conservatory of Music, Oxford, England
1990 - University of Maryland, BA
1988 - Business Real Estate Appraisal; City College of Chicago, IL
1965 - Northeastern University, BA

Jane took early retirement from Civil Service working 10 years with the CIA, 4 years in Athens, Greece American Embassy and 10 years in England transferring to Civil Service at RAF Upper Heyford into Supervisor of Research and Development, Reports and Analysis, Pass and Registration, Information Security and working closely with British Customs. Relocating personnel is my specialty. Jane enjoys the challenges of Real Estate, she especially enjoys matching people with the right home as well as, pricing and marketing a property.


James V. Rainwater
Property Management & Rentals

   "Specializing in Long-Term Residential Rentals "

Contact Jim at (850) 897-1101 or email

Call for a listing of available rentals in the Niceville, Valparaiso,  Shalimar, Crestview, Destin and  Miramar Beach areas.  Search online here!

Services Offered:

  • Qualify All Tenants
  • Semi-Annual Property Inspection
  • Monthly Account Statement
  • Yearly Statement for Income Taxes

Selling Vs Renting Your Home

When your current home no longer suits you, selling it is a popular option, but in some cases, turning it into a rental home makes more sense. There are lots of factors to consider when making the “sell vs. rent my home” decision, including:

  • Your financial situation
  • Local market conditions for rental homes
  • Your future housing plans
  • Your tolerance for being a landlord
  • State and federal income taxes
  • Current and future home prices

If you want to make your decision based solely on finances, use Forbes’ online calculator to compare the return on investment for renting or selling your house to a hypothetical 5.7% Treasury bond yield. The calculator has got some flaws — it doesn’t consider what you’ve already invested in your home — but it’s a quick overview that can help nudge your decision one way or the other.

Other factors to consider include:

Is your move permanent?

Going away for a few years and planning to come back to the area? It may be cheaper to rent your house and move back in when you return, rather than paying sales commissions to sell your current home and purchase of another one when you get back.

You’re going to eventually sell your home, but not in the next two years. 

To avoid capital gains taxes, you generally have to live in your house in three of the past five years. You can rent your house for two years and as long as you sell before year three, you typically won’t owe capital gains. 

Rent it for three years and unless you move back in, you won’t qualify for the capital gains exclusion, so you’ll pay capital gains taxes on any increase in your home’s value since you bought it. 

Can you rent your home for enough money to cover the mortgage payment and expenses?

If you can, keeping your house can be a smart way to fund your retirement. Each month your tenants pay rent. You likely won’t pay tax on that income if you have enough expenses to offset it (like mortgage interest and repair costs). 

When you finish paying off your mortgage, you can sell the house if you need a lump sum, or continue renting it and collecting income during your retirement.

Click here for Forbes Online Calculator 

Contact Jim at (850) 897-1101 or email


Toll Free 888-390-4450

Phone (850) 897-1101
Fax (850) 897-1143

4566 Hwy 20 E.
Suite 104
Niceville, FL 32578