Costs
A condo has HOA fees and may face special assessments; a house has no HOA in many cases but you pay for roof, AC, pool and yard. Compare tax, insurance and repairs.
Risk
Condo owners share building risks and depend on the association's finances. House owners carry the whole property risk, including storms and flood.
Lifestyle
Condos suit low-maintenance living and amenities; houses give space and privacy. Townhomes sit in between.
Rental flexibility
Condo rental rules are set by the association; houses are more flexible but city rules still apply. Lidiya Tretyak is a licensed Florida real estate agent with Douglas Elliman and speaks English, Russian and Ukrainian; the first consultation is free.
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.
