The Orlando market has not seen the bottom of the real estate bubble just yet. The market has a 50.6% chance of price declines over the next two years, according to Inman News (here's the story: http://www.inman.com/hstory.aspx?ID=64836 ). The risk score for the county remains at an all-time high of 329, which translates into a 32.9% chance of an annual price decline. However, Orlando's scores are 506, which represent a 50.6% chance of price decline over the next two years. Florida has 3 cities in the over-505 mark: West Palm Beach-Boca Raton-Boynton Beach (53.2%), Ft. Lauderdale – Pompano Beach-Deerfield (50.7%) and the Orlando area (50.6%). Riverside – San Bernardino – Ontario in California is at the top of the list with 60.8%. However, California's appreciation was the fastest and the highest. The moral of the story for sellers: get the prices below your competitor now so you do not chase the prices down and have to sell at the low end. Be the "price-drop leader" and you will get more money on your bottom line now.

• Riverside-San Bernardino-Ontario, Calif. (608)
• Las Vegas-Paradise, Nev. (587)
• Santa Ana-Anaheim-Irvine, Calif. (579)
• Phoenix-Mesa-Scottsdale, Ariz. (575)
• Los Angeles-Long Beach-Glendale, Calif. (536)
• West Palm Beach-Boca Raton-Boynton Beach, Fla. (532)
• Sacramento-Arden-Arcade-Roseville, Calif. (522)
• San Diego-Carlsbad-San Marcos, Calif. (521)
• Oakland-Fremont-Hayward, Calif. (516)
• Ft. Lauderdale-Pompano Beach-Deerfield Beach, Fla. (507)
• Orlando-Kissimmee, Fla. (506)