Florida costs to check before you make an offer
- Homeowners insurance depends on roof age, wind mitigation features and distance to the coast. Ask for a quote with a wind mitigation inspection before you commit.
- Flood insurance is required by lenders in high-risk FEMA zones and is worth pricing in every coastal county.
- CDD assessments pay for infrastructure in many newer communities. They appear on the property tax bill and can run for decades.
- Condo fees have risen since Florida's 2022 condo safety laws required structural reserve studies. Ask for the latest budget and any pending special assessments.
- Property tax is based on your price, not the seller's bill. Use the property tax calculator for your first-year estimate.
