Buying Guide

Your Complete
Buying Guide.

Whether you're a first-time buyer or a seasoned investor, buying a home on Florida's Gulf Coast requires local knowledge. From understanding flood zones to navigating Florida-specific inspections, here's everything you need to know.

Getting Pre-Approved

Understanding Your Financing

Before you start house hunting, get pre-approved. It clarifies your budget and strengthens your offer. Here are the main loan types available to Gulf Coast buyers.

Conventional

3-20% down

Most common loan type. PMI required below 20% down. Best for buyers with strong credit (680+).

FHA

3.5% down

Government-backed, lower credit requirements (580+). Good for first-time buyers with limited savings.

VA

0% down

Available to eligible veterans and active military. No down payment required. Excellent benefits.

USDA

0% down

For rural and suburban properties. Income limits apply. Great for buyers in certain Manatee County areas.

Gulf Coast Specifics

Florida-Specific Things
to Know.

Flood Zones

Many Gulf Coast properties are in flood zones. I help you understand flood zone designations, insurance costs, and what they mean for your budget and peace of mind.

Septic & Well

Properties outside city water/sewer may have septic systems and private wells. These require special inspections that differ from standard home inspections.

HOA Communities

Many Florida communities have HOAs with specific rules about rentals, renovations, and pet policies. I review all HOA documents before you commit.

Hurricane Preparedness

Understanding storm shutters, roof condition, insurance requirements, and wind mitigation credits is essential when buying on the Gulf Coast.

Property Taxes

Florida offers a homestead exemption that reduces your property tax burden. I help you understand the tax implications of every property you consider.

Insurance

Florida homeowner's insurance has unique requirements and costs. I connect you with insurance professionals who specialize in Gulf Coast properties.

What to Expect

Price Ranges Across the Gulf Coast.

I work with properties from $300,000 to $2,000,000. Here's what you can generally expect across the three counties I serve.

Sarasota County

$300K – $2M+

Median: $474,700

Median single-family price as of year-end 2026

Manatee County

$300K – $1.5M+

Median: $475,000

Median single-family price as of year-end 2026

Pinellas County