Florida real estate guides

Moving to Florida

Coming from another state — what changes, and what it costs.

• Florida vs. your state: what the move actually saves youProperty tax, insurance and income tax, next to what you pay now.
• Buying in Florida from another state: how it actually worksBuying remotely: the order of operations and the four differences.

What it costs to own

The numbers behind the monthly payment.

• What a Florida home actually costs per monthThe full stack — and why only half of it is the mortgage.
• Florida property taxes: what you pay, and what the November 2026 ballot would changeWhat you pay, and what the November 2026 ballot changes.
• The Florida homestead exemption: what it saves, who gets it, and how to fileWhat it saves by county, and the portability nobody files.
• Homeowners insurance in Florida: why it costs what it costs, and what actually moves itThe most expensive in the country, ZIP code by ZIP code.
• HOA vs. CDD in Florida: the fee on your tax bill you didn’t know you’d agreed toOne is an association. The other is a government on your tax bill.
• Flood zones in Florida: how to read the map before you make an offerReading the map before you make an offer.

Buying

From pre-approval to the keys.

• Buying your first home in Florida: the order of operations, and the money you’re probably leaving on the tableThe assistance almost nobody claims, and the order that works.
• Getting a mortgage in Florida: what you need, what it costs, and why the payment is bigger than you thinkDown payment, credit, and why the same income buys less here.
• Closing costs in Florida: what you pay, and what the county decides for youWhat you pay, and what your county decides for you.
• Working with an agent in Florida after the 2024 commission changesAfter the 2024 commission changes, and who your agent represents.

Investing

Five strategies, and what each one actually returns.

• Rental yield in Florida: why 9% gross becomes 3% netWhy 9% gross becomes 3% net.
• Investing in Florida real estate: five strategies and what each one actually returnsThe strategies compared, with capital and horizon.
• Buying preconstruction in Miami: the deposit schedule, the escrow, and the fee nobody mentionsThe deposit schedule, the escrow and the developer fee.

Selling

What it takes, and what you keep.

• Selling a home in Florida: how long it really takes, and what actually moves it80 days is the median. What actually moves it.
• What is my Florida home worth? Four numbers, and only one of them is the priceFour numbers, and only one of them is the price.
• Taxes when you sell a Florida propertyCapital gains, depreciation recapture and the $250,000 exclusion.
• Selling Florida property as a foreign ownerThe 15% withheld on the price, and the $60,000 nobody mentions.