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WHAT'S INSIDE THE GUIDE
01 | PROPERTY TAXES & HOMESTEAD
REAL STORY: A buyer just like you fell in love with a Palm Beach Gardens Home. The listing showed a $12,800 tax bill. His first real bill? $60,000 a year! He sold the home within twelve months.
Florida's tax rules are unlike anything you've dealt with...and the buyers who don't learn them first are the ones who regret it most. One filing done right, can lock in your tax rate for life. Miss it, and the county resets your bill the day you close.
02 | HOMEOWNERS INSURANCE
REAL STORY: After a hurricane, the wind carrier said the damage was from rising water. The flood carrier said it was wind-driven rain. Nobody paid. The homeowner waited months...with a destroyed house and two useless policies.
Your homeowner's policy from anywhere else is nearly useless here. And the two policies that actually protect your Florida home are designed to point at each other when disaster strikes...leaving you in the middle with nothing. Florida's insurance market is in its own world, and the buyers who navigate it well do so because they understood the rules before they signed anything.
03 | CONDOMINIUMS & HOA's
REAL STORY: Six days before Christmas, a new buyer picked up his keys. The management company handed him a bill for $90,000. The board had voted on the special assessment the week before. Nobody told him!
In Florida, a condo or HOA can pass a special assessment after your contract is signed...and the law doesn't require anyone to tell you. Buyers who know exactly what documents to demand, and when to demand them, never get surprised at the closing table.