Steps
Set the budget, get a pre-approval or proof of funds, search with your agent, make an offer, use the inspection period and close. Cash purchases close in two to four weeks and mortgage purchases in 30–45 days.
Inspections that matter
Order a general home inspection and add a roof, termite (wood-destroying organism), sewer or septic, pool and, where relevant, a wind mitigation inspection. In Florida the age and condition of the roof directly affect whether you can get insurance and at what price.
Insurance and flood zones
Hurricane risk makes homeowners insurance one of the biggest ownership costs. Check the property's flood zone on the FEMA map, ask for insurance quotes before you make an offer and use the wind mitigation report to lower the premium. See our flood zones guide.
Property tax and homestead
Property tax is paid annually and is based on the assessed value, which can reset after a sale. The homestead exemption applies only to the owner's permanent primary residence in Florida.
HOA and rules
Many communities have an HOA with fees and rules for leases, vehicles and exterior changes. Read the rules before you buy, especially if you plan to rent.
Where to look
Single-family homes are common in Pembroke Pines, Coral Gables, Doral, Boca Raton and Key Biscayne, with waterfront homes in many areas. Our neighborhood guides compare them.
This guide is general information, not legal or tax advice. Laws and programs change — confirm details with a Florida attorney and a US tax professional.
