The Ultimate Guide to Buying a Beach Home in Florida

For anyone planning on buying a dream beach home in Florida, this blog is dedicated to you. That’s because although it’s an exciting time, it can also be a daunting time. 

One minute you’re planning your coastal interiors, thinking about the world-class beaches on your doorstep, the guest list for a housewarming party, sailing trips, and imagining what it’s going to be like to live the Florida coastal lifestyle.

The next minute you’re thinking about the financial investment, your budget, homeowners insurance, and property paperwork.

Well, relax, because SEASALT is on hand with the ultimate guide to buying a Florida beach home, and we’re with you for every step of your incredible journey. 

  1. Getting your financial house in order

Before viewing homes you’ll need to secure pre-approval for a mortgage from a lender. This will then determine your price range. Often, in a competitive Florida housing market, pre-approval can serve as an advantage. 

Getting your financial affairs in order will include assessing your financial situation, establishing a budget, and examining your credit score.  

  1. Get a great real estate agent

You’ll need to secure an agent who knows the local housing market and will take special care to match you with suitable properties. Want a beautiful location? Stunning interiors? Docking for a large vessel? Panoramic views? Your agent should be able to meet every need, and more. 

  1. Start your search for the perfect home

An agent will have photos and brochures as well as online information to help you narrow down your search. Viewing a home in person is the next step to truly get a feel for the space, as well as the neighborhood.

  1. Make an offer on your dream house and close the deal

When you’re ready to commit to a house, your agent can start the negotiations by making an offer. This offer will then be accepted, rejected, or a counteroffer made. A good agent will help you to come up with a reasonable offer for the competitive housing market, perhaps to include some contingencies. 

Finally, when an offer is accepted, you will close on the house and take ownership of the property. Remember, closing costs apply in Florida, such as title search, loan origination fees, taxes, title insurance, and appraisal fees. It’s best to budget for these costs in advance.

  1. Do your research

Because Florida is more prone to natural disasters than other states, before committing to a home, look into flood zones, home insurance costs, and policy coverage. Be aware of the different processes involved when purchasing a family home versus a condo. Investigate The Homestead Exemption, which may reduce your property taxes as a Florida homeowner. 

Your dream beach home is within reach

Florida is an amazing place to work, live, and play. It’s popular due to its stunning beach locations, lower cost of living, and weather. Florida has a diverse housing market that has thrived, especially in recent years, with demands for property coming from both residents and those out of state. This demand has led to a building boom.  

We understand that whether you’re a first-time buyer, trading up, trading down, investing in a rental property, or retiring, there’s a lot to consider when buying a home. With expert, professional guidance, buying a dream beach home in Florida can be a rewarding and satisfying experience. Your home in the Sunshine State awaits.

The team at SEASALT is standing by to help you find the perfect beach home. As top real estate agents who specialize in luxury coastal homes, we say yes, you can have it all!

 Call us, we’re ready to help.

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