Florida Real Estate Blog

Buying a home in Florida, especially Central Florida, comes with unique considerations that buyers from other states may not expect. Between the heat, humidity, and storm potential, it pays to know what to look for before you make an offer. Here’s your go-to checklist for evaluating homes in the Sunshine State:

Weather-Ready Features Roof Condition:

Many insurance companies in Florida have strict requirements based on the age of the roof. Ask for the date of the roof’s installation and the type of material used. HVAC system: Central Florida summers bring intense heat and humidity. Look for an AC unit that’s newer, energy-efficient, and properly sized for the home.

Hurricane readiness:

Impact windows, hurricane shutters, and proper drainage can help protect your investment. The Right Neighborhood Fit Commute: How far is the drive to work, school, or major highways?

Schools:

If you have kids—or are thinking about resale value—school districts matter. Amenities: Proximity to parks, shopping, hospitals, and entertainment can affect both your lifestyle and home value.

Ownership Costs to Consider - HOA fees:

Some neighborhoods have low fees, others may include gated access, lawn care, or community pools. Insurance: Wind, flood, and homeowners’ insurance can add up fast. Make sure to get quotes early.

Property taxes:

Taxes can vary depending on the county and exemptions. Ask your agent for an estimate.

Florida-Friendly Home Features:

Screened lanais and patios are a must for bug-free outdoor living. Pools are great—but consider upkeep and added insurance costs.

Energy efficiency:

Look for homes with good insulation, double-pane windows, or solar panels to help offset electric bills.

Central Florida is a great place to call home, but being prepared makes all the difference. From storm-ready features to long-term ownership costs, knowing what to look for can help you avoid surprises and feel confident in your decision.