Buying a home on Florida's Gulf Coast comes with unique expenses beyond the purchase price that can catch new homeowners off guard. Property taxes often increase significantly after the first year, HOA and condo fees vary widely across communities, and maintenance costs for Florida homes require special consideration due to our climate and building requirements. Understanding these expenses before you buy helps you budget accurately and avoid financial surprises.
Frequently Asked Questions About Florida Gulf Coast Home Costs
Why do property taxes increase after the first year of ownership?
Property taxes in Florida are assessed in arrears based on the property's value each January 1st. New construction homes may initially be taxed only on land value if not substantially complete by January 1st, resulting in much lower first-year taxes. Additionally, if you purchase a home that was homesteaded by the previous owner for many years, you'll lose their accumulated "Save Our Homes" cap savings, which can mean taxes jump significantly in year two.
What is a CDD fee and how much does it cost?
A Community Development District (CDD) fee is an additional tax assessment used to fund infrastructure improvements in newer planned communities. CDD fees are always disclosed in property listings and on tax bills, and they typically range from $1,500 to $3,000 annually depending on the community. These fees continue for a set period, usually 20-30 years, to pay off the bonds issued for community infrastructure.
How much should I budget for property taxes on Florida's Gulf Coast?
As a general rule of thumb, expect to pay approximately 1.25% of your home's purchase price annually in property taxes. If your home is located within city limits or has CDD fees, add another 0.25% to your estimate. For example, a $500,000 home would typically have annual property taxes around $6,250, or $7,500 if in a city or CDD community.
Do HOA fees typically increase over time?
Yes, HOA fees almost always increase over time due to rising administrative costs, insurance premiums, and maintenance expenses. New communities may see particularly significant increases when the builder turns control over to residents and stops subsidizing the HOA. Annual increases of 3-5% are common, though special assessments for major repairs or insurance claims can cause larger jumps.
What are the most expensive home repairs to budget for in Florida?
Major expenses for Florida homeowners include roof replacements ($20,000-$60,000+ depending on size), plumbing replacements for older copper or cast iron systems ($7,000-$20,000), air conditioning systems ($5,000-$15,000), and for rural properties, well and septic system repairs or replacements ($2,500-$20,000). Hurricane-related repairs and elevated insurance costs have also become significant considerations.
Are maintenance-free communities really maintenance-free?
Maintenance-free communities typically cover exterior maintenance like roofing, landscaping, lawn care, and irrigation systems through HOA fees. However, you're still responsible for interior items including air conditioning, appliances, plumbing fixtures, and typically everything from the drywall inward. The term "maintenance-free" refers primarily to exterior upkeep, not all home maintenance.
What additional costs should I expect when buying a condo in Florida?
Condo fees have increased significantly in recent years due to new state requirements. Since 2022, condos three stories and above must complete milestone inspections, structural integrity studies, and reserve studies. These requirements often reveal needed repairs that result in special assessments. Additionally, hurricane damage repairs and dramatically increased insurance costs have led many condo associations to impose special assessments on owners.
Understanding Florida Property Tax Surprises
One of the most common surprises for new Florida Gulf Coast homeowners involves property taxes. Whether you're looking in Punta Gorda, Port Charlotte, Englewood, Venice, Sarasota, North Port, Bradenton, Anna Maria, Parrish, or Lakewood Ranch, the property tax system works the same way throughout the region—and it can catch buyers off guard if they're not properly informed.
How Florida Property Taxes Are Assessed
Property taxes in Florida are assessed in arrears, meaning you pay them at the end of the year based on the property's assessed value on January 1st of that year. The assessed value is determined using a formula based on market conditions and recent sales activity. This system creates two common scenarios where your property taxes may be substantially lower in the first year than in subsequent years.
The New Construction Tax Scenario
If you're purchasing a new construction home, your first-year tax bill may be surprisingly low—but don't get too comfortable. Here's why: if your home was not substantially complete as of January 1st of the year you purchased it, the property was assessed based only on the lot value, not the completed home value.
For example, if your new home was still under construction on January 1st, 2025—perhaps the block walls were up and the roof was being installed, but completion was still months away—the tax assessor valued that property based solely on the land. When you close on the home in July, August, or later in 2025, you'll pay prorated taxes based on that lower land-only assessment.
However, come January 1st, 2026, your completed home will be assessed at its full value including both land and structure. This means your 2026 tax bill (which you'll pay at the end of 2026) will be significantly higher than what you paid when you closed. This increase can be substantial—sometimes doubling or even tripling your initial tax payment.
The Homestead Cap Savings Scenario
The second common scenario involves purchasing a home from someone who has owned and homesteaded the property for many years. Florida's homestead exemption provides significant tax benefits that don't transfer to the new owner, which can result in a dramatic tax increase.
When a Florida resident declares their primary residence as homesteaded, they receive an automatic reduction of approximately $50,000 from the assessed value. Even more significantly, Florida's "Save Our Homes" cap limits annual increases in assessed value to just 3% per year for homesteaded properties, regardless of how much the actual market value increases.
Consider a real-world example: a homeowner purchased their property 20-30 years ago and has maintained continuous homestead status. Over those decades, while actual home values in Florida have increased dramatically—sometimes by 300% or more—their assessed value for tax purposes has only increased by 3% annually. The difference between the market value and the capped assessed value is called "cap savings," and it can be enormous.
In one actual case, a long-term homeowner had accumulated $344,000 in cap savings. They were paying just $750 in property taxes in 2014, and ten years later in 2024, they were paying only $900 despite significant market appreciation. When this property sells, all those accumulated savings disappear. The new owner's taxes will be based on the current market value (the purchase price), resulting in a tax bill that could be five to ten times higher than what the previous owner was paying.
How to Check Homestead Status
You can easily determine if a property you're interested in has been homesteaded by checking the MLS listing sheet. Your real estate agent should provide this document, which clearly indicates "yes" or "no" for homestead status. If the answer is yes, and especially if the sellers have owned the home for many years, you should investigate the expected tax increase carefully.
Your agent can help you calculate what your actual tax bill will be based on your purchase price rather than the seller's grandfathered-in rate. This information is crucial for accurate budgeting and avoiding post-purchase financial stress.
Community Development District (CDD) Fees Explained
Community Development District fees are another cost that must be clearly disclosed but sometimes surprises buyers who don't fully understand them. A CDD is a special taxing district created to fund infrastructure improvements in newer planned communities.
What CDD Fees Cover
When developers build large master-planned communities, they often need to install substantial infrastructure before homes are built: roads, water and sewer systems, streetlights, entry features, community amenities, and more. Rather than paying for all this infrastructure upfront themselves, developers can create a CDD, which issues bonds to fund the improvements. Homeowners then repay these bonds through annual CDD assessments added to their property tax bill.
How to Find CDD Information
CDD fees should be disclosed in two places:
- In the MLS listing: There's a specific field indicating whether the property has a CDD fee and the annual amount
- On the property tax bill: You can visit the county property appraiser's website, look up any property, and see the detailed tax breakdown including any CDD assessment
For example, a home in Lakewood Ranch might show a total annual tax bill with a CDD portion of $1,626.40 clearly itemized. This fee is in addition to regular property taxes and will continue for the duration of the bond repayment period, typically 20-30 years.
CDD Fees in New Construction
Every new construction home purchase should include disclosure of CDD fees. Builders are required to provide this information, often in a separate addendum you'll sign along with your purchase contract. Never assume a property doesn't have a CDD fee simply because it wasn't mentioned—always ask directly and verify on the tax bill.
City Taxes and Special Assessments
Another factor affecting your total tax bill is whether your property falls within incorporated city limits. Properties located within cities like Venice, Sarasota, or North Port will have additional city taxes and assessments beyond the county property tax.
These city assessments fund municipal services like city police and fire departments, city parks and recreation, local road maintenance, and city utilities and infrastructure. The additional cost varies by city but can add several hundred to over a thousand dollars to your annual tax bill.
You can identify city assessments by reviewing the property tax bill on the county website, which will show separate line items for county taxes and city taxes. This is another reason why the rule of thumb for estimating taxes includes that extra 0.25% for properties in cities or CDD communities.
The Property Tax Rule of Thumb
To estimate your annual property taxes on Florida's Gulf Coast, use this simple formula:
Standard calculation: Purchase price × 1.25% = Estimated annual property taxes
With city/CDD fees: Purchase price × 1.5% = Estimated annual property taxes
For a $400,000 home:
- Standard: $400,000 × 1.25% = $5,000 annually
- With city/CDD: $400,000 × 1.5% = $6,000 annually
This formula gives you a reasonable estimate for budgeting purposes. For the most accurate figure, request the actual tax history from your real estate agent and adjust for your purchase price if buying a long-term homesteaded property.
Homeowners Association (HOA) Fees: What to Expect
Not all homes on Florida's Gulf Coast are in HOA communities, and many buyers specifically seek out non-HOA properties to avoid the monthly fees. However, HOA communities offer benefits that many homeowners value highly, and understanding the costs and benefits helps you make an informed decision.
The Range of HOA Fees
HOA fees vary dramatically based on what's included and the type of community. At the lower end, some communities charge just $50-100 per month primarily for basic common area maintenance and gate security. Mid-range communities might charge $200-400 monthly for more extensive amenities like pools, fitness centers, and regular events. Luxury communities with championship golf courses, multiple clubhouses, extensive staffing, and premium amenities can charge $500-1,000+ monthly.
What HOA Fees Typically Cover
The specific services included in your HOA fee vary by community, but commonly covered items include:
- Common area maintenance: landscaping, lighting, sidewalks, and entry features
- Amenity maintenance: pools, fitness centers, tennis courts, clubhouses
- Security services: gated entry, roving patrols, or security cameras
- Insurance: master policy covering common areas and building exteriors (especially in condos)
- Reserve fund contributions: savings for future major repairs and replacements
- Management fees: professional HOA management company services
- Utilities: common area water, electric, and irrigation
Some HOAs, particularly in maintenance-free communities, also cover individual home exterior maintenance like roof repairs/replacement, exterior paint, lawn service, irrigation, and landscaping. These "maintenance-free" communities charge higher HOA fees but can save you significant time and money on exterior upkeep.
Important HOA Documents to Review
When purchasing a home in an HOA community, your real estate agent will provide several critical documents you must review carefully:
HOA covenants, conditions, and restrictions (CC&Rs): These are the rules governing the community, including architectural guidelines, rental restrictions, pet policies, and use restrictions.
HOA budget and financial statements: Review the association's financial health, reserve fund balances, and planned expenses.
Meeting minutes: Recent board meeting minutes reveal ongoing issues, upcoming projects, and community concerns.
Capital contribution or transfer fees: Some HOAs charge new owners a one-time fee at closing, typically $500-2,000.
Special assessments: Check whether any special assessments are currently in effect or planned for major repairs or improvements.
Will HOA Fees Increase?
The short answer is yes—HOA fees almost always increase over time. It's rare for HOA fees to decrease, and expecting them to remain flat is unrealistic. Annual increases of 3-5% are typical as costs rise for insurance, landscaping, utilities, maintenance, management, and other services.
Special consideration for new communities: If you're purchasing in a newly developing community where the builder still controls the HOA, be aware that fees may increase substantially when control transfers to residents. Builders often subsidize HOA costs during the development phase to keep fees artificially low and make homes more attractive to buyers. Once the builder completes the community and turns over control to the homeowners' board, the true cost of maintenance and management becomes apparent. Fees might increase by 25-50% or more during this transition.
While you can't know exactly how much fees will increase, factor in at least 3-5% annual increases when budgeting for the long-term cost of homeownership in an HOA community.
Condo Fees and Recent Florida Legislation
Condominium ownership on Florida's Gulf Coast offers a low-maintenance lifestyle with resort-style amenities, but condo fees have increased significantly in recent years due to new state requirements, insurance costs, and hurricane-related damages.
The 2022 Condo Safety Legislation
Following the tragic Surfside condo collapse in 2021, Florida legislators passed comprehensive condo safety requirements in 2022. These new laws mandate several expensive studies and inspections for condominiums three stories and above:
Milestone inspections: Structural inspections required at 30 years (or 25 years for buildings within three miles of the coast) and every 10 years thereafter.
Structural integrity reserve studies (SIRS): Detailed analysis of major building components and their remaining useful life.
Reserve fund requirements: Condos must now fully fund reserves for major repairs—no more "waiving" reserve funding to keep fees artificially low.
Completion deadline: All required studies had to be completed by December 31, 2024.
The Financial Impact on Condo Buyers
These requirements cost money to complete—often $50,000-$200,000 or more for large buildings to hire engineering firms. More significantly, the studies often reveal deferred maintenance, structural issues, or components nearing the end of their useful life that require immediate attention.
The combination of study costs and newly discovered repair needs has resulted in special assessments for many condo owners. A special assessment is a one-time charge to all unit owners to cover unexpected expenses or major projects not adequately funded by reserves. These assessments can range from a few thousand dollars to $50,000 or more per unit, depending on the building size and repair needs.
Hurricane Damage and Insurance Costs
Recent hurricanes have caused significant damage to coastal condo buildings, particularly to roofs, windows, siding, and common areas. Insurance claims have been filed, but many buildings still required special assessments to cover deductibles or uninsured losses.
Even more impactful has been the dramatic increase in condo insurance premiums. Some buildings have seen insurance costs triple or quadruple in just a few years. These higher premiums must be covered by monthly condo fees, causing substantial increases even in well-maintained buildings.
What to Review When Buying a Condo
Given these recent changes, buyers must do thorough due diligence when purchasing a condo:
Review all milestone inspection reports: What did inspectors find? What repairs are recommended?
Examine structural integrity reserve studies: What major expenses are anticipated over the next 5-10 years?
Check reserve fund balances: Is the association properly funded for upcoming major repairs?
Review recent meeting minutes: What issues are being discussed? Are special assessments being considered?
Understand current and proposed budgets: Are significant fee increases planned?
Check insurance claims history: Has the building filed recent hurricane damage claims?
Ask about special assessments: Are any current or planned special assessments that you'll be responsible for?
Your real estate agent will help you obtain these documents and can recommend a real estate attorney to review them if needed. The cost of this due diligence is minimal compared to the potential financial consequences of buying into a building with serious problems or underfunded reserves.
Current Condo Fees on Florida's Gulf Coast
Condo fees in the region typically range from $300-800+ per month depending on the building age, amenities, insurance costs, and included services. Waterfront condos with extensive amenities, beach access, and higher insurance costs often exceed $800-1,000 monthly. Unlike HOA fees for single-family homes, condo fees typically include building insurance (though you'll still need HO-6 insurance for your unit's interior and belongings), water and sewer, trash collection, exterior and common area maintenance, and amenities.
Maintenance and Repair Costs for Florida Homes
Once you own a home, there's no landlord to call when something breaks. You're responsible for all maintenance and repairs, and Florida's climate creates some unique challenges that make regular maintenance even more critical.
Maintenance-Free vs. Full-Maintenance Communities
Many buyers, particularly retirees or second-home owners, prefer "maintenance-free" communities where the HOA handles exterior maintenance. These communities typically cover roof repairs and replacement, exterior painting, lawn service, irrigation system maintenance, and landscaping. While you'll pay higher HOA fees (often $200-400+ monthly), you eliminate the worry and expense of these major items.
However, "maintenance-free" doesn't mean maintenance-free from everything. You're still responsible for air conditioning and heating systems, interior plumbing and electrical, appliances, interior finishes, and typically everything from the drywall inward. In condos, you're responsible for everything inside your unit boundaries, which is usually defined as from the drywall inward.
Major Home Systems to Budget For
Air Conditioning Systems
In Florida's climate, your air conditioning system works hard year-round. A quality AC system costs $5,000-15,000+ to replace depending on the size of your home and system efficiency. Regular maintenance (changing filters monthly, annual professional service) can extend system life to 12-15 years, but expect to replace the system eventually. Budget $500-1,000 annually for maintenance and repairs, with a longer-term budget for eventual replacement.
Roofing
Roof replacement is one of the most expensive home repairs you'll face. Florida's intense sun, hurricanes, and heavy rains take a toll on roofing materials. Asphalt shingle roofs last 15-20 years in Florida (less than in cooler climates), tile roofs last 25-50 years, and metal roofs last 40-70 years.
Replacement costs vary dramatically: asphalt shingle roofs cost $8,000-20,000+ for an average home, tile roofs cost $25,000-60,000+, and metal roofs cost $15,000-40,000+. The size of your home, roof complexity (multiple levels, valleys, angles), and current material costs all affect the final price.
During the home buying process, roof condition is a critical inspection point. Most buyers negotiate roof repairs or replacement if the roof is near the end of its useful life, so you may be able to have the seller address roofing issues before you take ownership.
Plumbing Systems
Older homes in Southwest Florida often have plumbing systems that require attention or replacement:
Copper plumbing: Homes built in the 1970s-1990s often have copper plumbing that eventually develops pinhole leaks due to our water chemistry. Complete copper repipe costs typically range from $7,000-12,000 depending on home size.
Cast iron drain pipes: Many older homes have cast iron drain lines that corrode from the inside over time. You have two options: pipe relining (coating the interior) costs $5,000-12,000, or complete replacement costs $10,000-20,000+ depending on accessibility and extent of work needed.
Polybutylene piping: Some homes from the 1980s-1990s have polybutylene piping (usually gray plastic) that's prone to failure. If you're buying a home with polybutylene, budget for replacement ($4,000-10,000) sooner rather than later.
Electrical Systems
Electrical issues are common in older homes and can range from minor to serious:
Electrical panel upgrades: Older 100-amp panels should be upgraded to 200-amp service ($2,000-4,000)
Federal Pacific or Zinsco panels: These recalled panels should be replaced immediately ($1,500-3,000)
Aluminum wiring: Some 1960s-1970s homes have aluminum wiring that should be remediated ($2,000-10,000+ depending on solution)
Non-permitted additions: Additions or renovations done without permits may have electrical work not up to code that needs correction ($1,000-5,000+)
Many electrical issues can be identified during the home inspection and negotiated with the seller, but you should budget for minor electrical repairs and upgrades even in well-maintained homes.
Well and Septic Systems
If you're purchasing a home on a larger lot, in a rural area, or in certain older neighborhoods without municipal services, you may have a well and septic system instead of city water and sewer. These systems require special attention and have their own maintenance costs:
Well pumps: Replacement costs $2,500-5,000 depending on well depth and accessibility
Well drilling: If your well goes dry or fails, drilling a new well costs $10,000-15,000+
Septic system maintenance: Regular pumping every 3-5 years costs $300-500
Drain field problems: If the drain field fails (often due to flooding or age), replacement costs $10,000-20,000+
Septic system replacement: Complete system replacement costs $15,000-25,000+
When purchasing a property with a well and septic, always have both systems inspected. Ask about the age of the well pump, recent water quality tests, septic system age and maintenance history, and any past flooding or drain field issues. These systems are expensive to replace, so knowing their condition before you buy is critical.
The Value of Professional Inspections
A thorough home inspection is money well spent—typically $400-600 for a comprehensive inspection of a single-family home. However, some systems require specialized inspections beyond the general home inspection:
- Roof inspection: Detailed roof condition assessment ($150-300)
- Plumbing inspection with camera: For older homes with cast iron or concerns about drain lines ($300-500)
- Well and septic inspection: Required for properties with these systems ($400-600)
- Four-point inspection: Often required by insurance companies, covers roof, electrical, plumbing, and HVAC ($100-200)
- Wind mitigation inspection: Can reduce insurance costs by identifying hurricane-resistant features ($75-150)
Your real estate agent will help coordinate these inspections and recommend qualified inspectors with local expertise. Identifying problems before you close allows you to negotiate repairs with the seller or adjust your purchase price to account for needed work.
The Advantage of Working with Local Expertise
With over 40 years of combined experience in Southwest Florida real estate, the Zachos Realty & Design Group team has walked through thousands of homes and helped hundreds of buyers navigate these exact concerns. David Zachos brings a unique perspective having previously worked as a deputy, detective, and school resource officer in the community for 25 years before transitioning to real estate. This background of public service continues in his real estate practice, where honesty, integrity, and being upfront with clients forms the foundation of every transaction.
When you work with an experienced local agent, you benefit from knowledge gained through hundreds of transactions, familiarity with specific communities and their common issues, relationships with qualified inspectors and contractors, understanding of fair pricing for repairs and replacements, and ability to spot potential problems during property tours—often before the inspector arrives.
What to Look for During Property Tours
An experienced agent knows what to look for when walking through a home. For example, signs of roof leaks include water stains on ceilings, especially near walls, discoloration in closets or corners, soft spots in the ceiling, and peeling paint or bubbling on interior walls. Plumbing concerns include water stains under sinks or around toilets, slow drains, evidence of leaks in the garage or outside walls, and green or corroded copper pipes. Deferred maintenance signs include peeling exterior paint, cracked or damaged caulking around windows, missing or damaged roof tiles or shingles, overgrown landscaping against the house, and poorly executed DIY repairs.
Identifying these issues during the initial property tour helps you make informed decisions about which homes to pursue and what inspection contingencies to include in your offer.
Older Homes: Charm vs. Cost
Many buyers are attracted to older neighborhoods throughout the Gulf Coast for their established landscapes, mature trees, unique architecture, classic Florida charm, and often superior locations close to beaches, downtown areas, and cultural amenities. However, older homes (particularly those built in the 1950s, 1960s, and 1970s) come with their own set of considerations.
Common Issues in Older Florida Homes
Plumbing: As discussed earlier, copper plumbing and cast iron drain pipes are common in older homes and often need replacement or repair.
Electrical: Outdated panels, aluminum wiring, insufficient amperage for modern appliances, and non-grounded outlets are frequent issues.
Roofing: Older roofs may have multiple layers that need complete removal and replacement rather than simple re-roofing.
Foundation and structure: Some older homes have settling issues, floor level problems, or structural modifications that weren't properly permitted.
Windows: Original single-pane windows lack energy efficiency and hurricane protection, and replacement can be expensive ($500-1,500+ per window).
Air conditioning: Many older homes have undersized or outdated HVAC systems that don't cool efficiently.
The Trade-Off Analysis
Despite these potential issues, older homes can offer excellent value. The purchase price is often lower than comparable new construction, the locations are typically superior, and many buyers love the character and architectural details found in older homes. The key is going into the purchase with eyes wide open, budgeting appropriately for updates and repairs, and having a thorough inspection by someone familiar with older Florida homes.
With proper maintenance and strategic updates, an older home can provide decades of enjoyable living while building equity through appreciation in these desirable, established neighborhoods.
Making Informed Decisions
The goal of understanding all these potential costs isn't to discourage you from buying on Florida's Gulf Coast—it's to ensure you make an informed decision and budget appropriately. When you know what to expect, you can choose a home that fits your financial situation comfortably, plan for major expenses before they arise, negotiate effectively based on the property's true condition, and avoid the stress of unexpected financial surprises after closing.
Every home purchase involves trade-offs. A newer home in an HOA with CDD fees might have higher monthly costs but lower maintenance concerns and modern systems. An older home with no HOA might have lower monthly costs but higher maintenance and repair expenses. A maintenance-free community offers convenience and predictable costs but higher HOA fees. A condo provides a lock-and-leave lifestyle but higher fees and potential special assessments. There's no universally "best" choice—only the right choice for your specific situation, preferences, and budget.
Questions to Ask Yourself
Before making an offer on any property, consider these questions:
- Can I comfortably afford the property taxes based on my purchase price, not the seller's grandfathered rate?
- Am I prepared for HOA or condo fees to increase by 3-5% annually?
- Do I understand what's included in the HOA/condo fees and what I'm still responsible for?
- Have I budgeted for major home systems that may need replacement in the next 5-10 years?
- If buying an older home, am I prepared to invest in updates and repairs?
- If buying a condo, have I reviewed all the required reports and understand the building's financial health?
- Have I factored in Florida-specific costs like hurricane insurance, potential special assessments, and higher AC costs?
Your real estate agent should help you work through these questions and provide the information you need to make confident decisions.
Why Transparency Matters
Zachos Realty & Design Group has built its reputation on honesty, integrity, and being upfront with buyers and sellers. This isn't just good ethics—it's good business. When clients fully understand what they're getting into, they make better decisions, have more realistic expectations, experience less stress during and after the transaction, and become enthusiastic referral sources because their experience matched or exceeded expectations.
Some agents might be tempted to downplay potential issues or future costs to make a sale. That's not how lasting, successful real estate businesses are built. Instead, the Zachos team believes in educating clients thoroughly, even when it means addressing uncomfortable topics like rising costs or potential problems. An informed client is a confident client, and confidence leads to satisfaction.
Taking the Next Steps
Now that you understand the full picture of homeownership costs on Florida's Gulf Coast, you're better prepared to find a property that fits your budget and lifestyle. Whether you're looking in Punta Gorda, Port Charlotte, Englewood, Venice, Sarasota, North Port, Bradenton, Anna Maria, Parrish, Lakewood Ranch, or anywhere else in the region, knowing these costs upfront helps you make decisions you'll feel good about for years to come.
The home buying process should be exciting, not stressful. When you work with an experienced local team that prioritizes education and transparency, you can focus on finding the perfect home rather than worrying about unexpected financial surprises down the road.
Ready to Find Your Florida Gulf Coast Home?
If you're considering relocating to Florida's beautiful Gulf Coast, the Zachos Realty & Design Group is here to help. With over 40 years of combined local expertise, more than $150 million in successful property sales, and over 400 closed transactions, we have the experience to guide you through every aspect of your home purchase.
Our unique combination of real estate knowledge and award-winning design vision (Brittany Zachos has been featured on HGTV and in USA Today) means we don't just help you find a house—we help you envision how you'll live in it and make it your own.
Contact us today:
- Phone: 941-500-5457
- Email: [email protected]
- Sarasota Office: 205 N Orange Ave Suite 202, Sarasota, Florida 34236
- Venice Office: 217 Nassau St S, Venice, FL 34285
Visit our YouTube channel "Relocation Experts | Florida's Gulf Coast" for more insider guides to Florida's Gulf Coast communities, where we share valuable information about neighborhoods, lifestyle, and everything you need to know about making your move to paradise.
