Big heads up if you are relocating to Florida, so you won't drown once you get here.
Your realtor won't tell you this but I will.
Because I have been "Freely sharing information since 1999"
When you buy your house, you will come in and the first year will be a "BYE"
You will pick up the previous owners taxes and insurance costs.
I. E.
Previous owner purchased home for $200,000
His taxes are +/- $3,500 / 4,000
His insurance was +/- $4,000 / 5000
Your first year wil be the same.
Year two new (get ready) assessment, you will receive from your city or county a new tax based on your purchase price.
Lets say it at $500,000 that's for a two or three bedroom home (nothing fancy)
Your new taxes should be + / - $10,000
Your insurance should be around $8,000 to 10,000 that's if you have hurricane windows, doors and your roof is not over 20 years old.
So it's going to be about $10K per year if you are on a dry lot.
If you are on or near the water, then expect your rate to go up to $15 / 20,000 per year.
Make sure your new castle has ALL permits closed and if in a H. O. A. it has no violations, dues paid up or outstanding items needed to be closed prior to you taking over. You will inherit those.
Second topic will be the heat, humidity, flooding, hurricanes, mosquitoes, snakes, cockroaches, bugs, spiders, crocodiles, alligators, caymans, iguanas, bears, panthers, tourists, traffic, tolls, crime, we the people....Enjoy !
Florida sounds as if it might be uninhabitable.
FL is just jumping on the bandwagon of high taxes. The Yankees who move there are delighted to be paying less than the NY rates they left.
Here in SoCal my house I pay about a grand in taxes and less than 800 on insurance. Prop 13 locked your taxes at about 1% of what you paid for the house. When we first got it our taxes were less than $500 and any increase would require a 2/3 vote. Then .gov figured out they could screw us by calling increases "fees" rather than a tax and now we're paying almost double. Being over 55 I can take my current tax rate when I move to a different place. They also let you transfer the tax rate to a child or grandchild when they inherit but now they have to live in the place to keep the low tax.
But don't get me started on the earthquake insurance scam. I passed on that it's $3,000+ per year and they only pay after you have made the first $25,000 in repairs out of pocket.
this just in.....its coming Elizabeth, wow !
Florida homeowners brace for 40% increase in insurance rates - NBC2 News
https://nbc-2.com/news/state/2023/06/02/florida-homeowners-brace-for-40-increase-in-insurance-rates/amp/
Quote from: FL SAAC on June 03, 2023, 11:41:10 AM
Big heads up if you are relocating to Florida, so you won't drown once you get here.
Your realtor won't tell you this but I will.
Because I have been "Freely sharing information since 1999"
When you buy your house, you will come in and the first year will be a "BYE"
You will pick up the previous owners taxes and insurance costs.
I. E.
Previous owner purchased home for $200,000
His taxes are +/- $3,500 / 4,000
His insurance was +/- $4,000 / 5000
Your first year wil be the same.
Year two new (get ready) assessment, you will receive from your city or county a new tax based on your purchase price.
Lets say it at $500,000 that's for a two or three bedroom home (nothing fancy)
Your new taxes should be + / - $10,000
Your insurance should be around $8,000 to 10,000 that's if you have hurricane windows, doors and your roof is not over 20 years old.
So it's going to be about $10K per year if you are on a dry lot.
If you are on or near the water, then expect your rate to go up to $15 / 20,000 per year.
Make sure your new castle has ALL permits closed and if in a H. O. A. it has no violations, dues paid up or outstanding items needed to be closed prior to you taking over. You will inherit those.
Second topic will be the heat, humidity, flooding, hurricanes, mosquitoes, snakes, cockroaches, bugs, spiders, crocodiles, alligators, caymans, iguanas, bears, panthers, tourists, traffic, tolls, crime, we the people....Enjoy !
Same as Texas. Their 're-assessment' is a joke also. The second year Harris County 'claimed' my home was worth 76 Percent more! I filed for an appeal. I stated that even Beverly Hills, Ca properties do not increase that much, let alone a Texas house. They had nothing to argue back about. The next year I sold and left . Now, Im in Nevada...Its awesome here! Low property taxes, no state income taxes, no humidity, no bugs, no tornados, no hurricanes, very few (If any) earthquakes, friendly people, AND a huge car scene here!
This guy is spot on
Listen to his key words "over paid" "dont listen to the sales people" "cost of living" "insurance" "home owners premium" "mold" "property taxes" hey that's what I said.... LMAO !
Florida home buyers blind sided by costs to own
https://youtu.be/be5rCIPXF7U
Perfect, I will start sending all the CA peeps there, FLA sounds perfect for ex CALIF's they won't skip a beat with taxes for taxes, and I am sure once a D always a D no matter how bad they are, they will still get the vote!
Quote from: crossboss on June 05, 2023, 03:13:51 PM're-assessment' is a joke also. The second year Harris County 'claimed' my home was worth 76 Percent more!
Go ahead and bad mouth CA - we took care of it with a constitutional amendment that locks you property tax at the price you paid. They can only re assess when you make major improvements. The longer you keep your house the better it works out - you are not taxed on some imaginary unrealized increase in value. The law even allows you to take your tax rate to a new home when you retire or pass it on the the kids or grandkids. The only mistake they made was including commercial property. The big building owners figured out a scam where they add partners to the deed and then the "selling" partner drops off the deed. Since all the names on the deed didn't change at the same time no outright transfer occurred so no tax increase.
If you're paying that for insurance on a 200k house you need to shop. We have a home in Naples worth more and just paid a hell of a lot less.
Quote from: 67 GT350 on June 06, 2023, 11:56:26 AM
Perfect, I will start sending all the CA peeps there, FLA sounds perfect for ex CALIF's they won't skip a beat with taxes for taxes, and I am sure once a D always a D no matter how bad they are, they will still get the vote!
Come on dooooown !
We have a special program that puts them on "Desantis Airlines" with a peanut butter and jelly saMiche and flys them right out......woohoo !
Quote from: 98SVT - was 06GT on June 06, 2023, 12:32:46 PM
Quote from: crossboss on June 05, 2023, 03:13:51 PM're-assessment' is a joke also. The second year Harris County 'claimed' my home was worth 76 Percent more!
Go ahead and bad mouth CA - we took care of it with a constitutional amendment that locks you property tax at the price you paid. They can only re assess when you make major improvements. The longer you keep your house the better it works out - you are not taxed on some imaginary unrealized increase in value. The law even allows you to take your tax rate to a new home when you retire or pass it on the the kids or grandkids. The only mistake they made was including commercial property. The big building owners figured out a scam where they add partners to the deed and then the "selling" partner drops off the deed. Since all the names on the deed didn't change at the same time no outright transfer occurred so no tax increase.
Plus Uno !
Quote from: 683760 on June 06, 2023, 02:46:24 PM
If you're paying that for insurance on a 200k house you need to shop. We have a home in Naples worth more and just paid a hell of a lot less.
What is this......insurance one speaks of ?
Seriously, house is paid off. Its pretty sturdy, only loss would be roof. We can handle that.
On the other hand, my next door neighbor has a similar home ( its financed ) his insurance has gone from 4,000 to 7,000 and just recently ( brace yourself ) asking price is 11,500 .
This is with NO claims, issues, incidents in the last 15 years that he has lived here.
Quote from: 98SVT - was 06GT on June 06, 2023, 12:32:46 PM
Quote from: crossboss on June 05, 2023, 03:13:51 PM're-assessment' is a joke also. The second year Harris County 'claimed' my home was worth 76 Percent more!
Go ahead and bad mouth CA - we took care of it with a constitutional amendment that locks you property tax at the price you paid. They can only re assess when you make major improvements. The longer you keep your house the better it works out - you are not taxed on some imaginary unrealized increase in value. The law even allows you to take your tax rate to a new home when you retire or pass it on the the kids or grandkids. The only mistake they made was including commercial property. The big building owners figured out a scam where they add partners to the deed and then the "selling" partner drops off the deed. Since all the names on the deed didn't change at the same time no outright transfer occurred so no tax increase.
I will. I was born and raised there. Had Prop 13. IF it wasn't for all the lowlifes moving in, I would have stayed (maybe). Don't worry the powers that be will reappeal Prop 13 and your 1,000 dollar a year property taxes WILL go up 500-1000+ percent more. You can count on it. LA sales tax is now what 10 percent..or more? Crime, illegals, traffic (esp on the 101, and 405), lastly, the donkey party is in charge and passing more and more nonsense agenda's. Please stay there...don't move here to Nevada.
Gentlemen please refrain mentioning other States as the topic here is Floridaland or as I call it Paradise.
Should you want to further discuss any other region in the Great United States of America, may I ask you start your own post.
Kindest regards
Auto insurance for daily drivers is very expensive as well. 1 in 4 drivers here are uninsured. Many have never had a driver license according to local police blotters. The car gets impounded and they receive a NTA (notice to appear).
Folks let me introduce you to "Jim" your new TV buddy. He will be consoling you for the next +/- five months
This was on yesterday's news:
State-run insurance company expected to drop thousands of policyholders
State-run insurance company expected to drop thousands of policyholders - NBC2 News
https://nbc-2.com/news/2023/06/06/state-run-insurance-company-expected-to-drop-thousands-of-policyholders/#amp_tf=From%20%251%24s&aoh=16862194777260&csi=0&referrer=https%3A%2F%2Fwww.google.com&share=https%3A%2F%2Fnbc-2.com%2Fnews%2F2023%2F06%2F06%2Fstate-run-insurance-company-expected-to-drop-thousands-of-policyholders%2F
I forgot another reason not to head south, the occasional SINK HOLES that usually happen after rains.
By the way the INSURANCE COMPANY does not insure for these acts of nature ( I predict soon that language will apply for hurricanes another ACT of NATURE )
This one was reported yesterday, for your viewing enjoyment !
Again your realtor won't tell you this but I will.
Because I have been "Freely sharing information since 1999"
Forgot to mention this dangerous thing....the occasional bear at the beach
Good morning
Well here's a little ditty that may detract or may enhance your move
Effective July 1, 2023 or we call it tomorrow
Welcome to the wild, wild South !
https://www.fox13news.com/news/carrying-concealed-firearms-without-permit-will-soon-be-legal-in-florida
And another one bites the dust........
Farmers becomes latest company pulling out of Florida amid property insurance crisis
https://www.clickorlando.com/news/local/2023/07/11/farmers-becomes-latest-company-pulling-out-of-florida-amid-property-insurance-crisis/
Well, well, well what do we have here ?
The other lizard....alligator
Then you have BBM....Black Bear Madness
Then the GWs and friends
Your on your own with these folks, especially after July 1, 2023
Did you know if you leave your home you will melt, not kidding. Just look at todays weather report
Another reason not to migrate to FL, your neighbors and their unusual hobbies......
(https://www.saac.com/forum/gallery/197-040823080216.jpeg)
You can retire to Arizona where...
1. You are willing to park three blocks away from your house because you found shade.
2. You've experienced condensation on your rear-end from the hot water in the toilet bowl.
3. You can drive for four hours in one direction and never leave town.
4. You have over 100 recipes for Mexican food.
5. You know that "dry heat" is comparable to what hits you in the face when you open your oven door at 500 degrees.
6. The four seasons are: tolerable, hot, really hot, and ARE YOU KIDDING ME??
-OR-
You can retire to California where...
1. You make over $450,000 and you still can't afford to buy a house.
2. The fastest part of your commute is going down your driveway
3. You know how to eat an artichoke.
4. When someone asks you how far something is, you tell them how long it will take to get there rather than how many miles away it is.
5. The four seasons are: Fire, Flood, Mud and Drought.
-OR-
You can retire to New York City where...
1 You say "the city" and expect everyone to know you mean Manhattan.
2. You can get into a four-hour argument about how to get from Columbus Circle to Battery Park, but can't find Wisconsin on a map.
3. You think Central Park is "nature."
4. You believe that being able to swear at people in their own language makes you multilingual.
5. You've worn out a car horn. (IF you have a car.)
6. You think eye contact is an act of aggression
-OR-
You can retire to Minnesota where...
1. You only have three spices: salt, pepper and ketchup
2. Halloween costumes have to fit over parkas.
3. You have seventeen recipes for casserole.
4. Sexy lingerie is anything flannel with less than eight buttons.
5. The four seasons are: almost winter, winter, still winter, and road repair.
-OR-
You can retire to The Deep South where.
1. You can rent a movie and buy bait in the same store.
2 "Y'all" is singular and "all y'all" is plural.
3. "He needed killin " is a valid defense.
4. Everyone has two first names: Billy Bob, Jimmy Bob, Joe Bob, Betty Jean, Mary Beth, etc.
5. Everything is either: "in yonder," "over yonder" or "out yonder. "
6. You can say anything about anyone, as long as you say "Bless his heart" at the end!
-OR-
You can move to Colorado where...
1. You carry your $3,000 mountain bike atop your $500 car.
2. You tell your husband to pick up Granola on his way home, so he stops at the day care center.
3. A pass does not involve a football or dating.
4. The top of your head is bald, but you still have a pony tail .
-OR-
You can retire to Nebraska or Kansas where...
1. You've never met any celebrities, but the mayor knows your name.
2. Your idea of a traffic jam is three cars waiting to pass a tractor.
3. You have had to switch from "heat" to "A/C" on the same day.
4. You end every sentence with a preposition; "Where's my coat at?"
-OR-
FINALLY you can retire to Florida where...
1. You eat dinner at 3:15 in the afternoon.
2. All purchases include a coupon of some kind - even houses and cars.
3. Everyone can recommend an excellent cardiologist, dermatologist, proctologist, podiatrist, or orthopedist.
4. Road construction never ends anywhere in the state.
5. Cars in front of you often appear to be driven by headless people.
Quote from: 98SVT - was 06GT on August 07, 2023, 04:50:03 PM
You can retire to Arizona where...
1. You are willing to park three blocks away from your house because you found shade.
2. You've experienced condensation on your rear-end from the hot water in the toilet bowl.
3. You can drive for four hours in one direction and never leave town.
4. You have over 100 recipes for Mexican food.
5. You know that "dry heat" is comparable to what hits you in the face when you open your oven door at 500 degrees.
6. The four seasons are: tolerable, hot, really hot, and ARE YOU KIDDING ME??
-OR-
You can retire to California where...
1. You make over $450,000 and you still can't afford to buy a house.
2. The fastest part of your commute is going down your driveway
3. You know how to eat an artichoke.
4. When someone asks you how far something is, you tell them how long it will take to get there rather than how many miles away it is.
5. The four seasons are: Fire, Flood, Mud and Drought.
-OR-
You can retire to New York City where...
1 You say "the city" and expect everyone to know you mean Manhattan.
2. You can get into a four-hour argument about how to get from Columbus Circle to Battery Park, but can't find Wisconsin on a map.
3. You think Central Park is "nature."
4. You believe that being able to swear at people in their own language makes you multilingual.
5. You've worn out a car horn. (IF you have a car.)
6. You think eye contact is an act of aggression
-OR-
You can retire to Minnesota where...
1. You only have three spices: salt, pepper and ketchup
2. Halloween costumes have to fit over parkas.
3. You have seventeen recipes for casserole.
4. Sexy lingerie is anything flannel with less than eight buttons.
5. The four seasons are: almost winter, winter, still winter, and road repair.
-OR-
You can retire to The Deep South where.
1. You can rent a movie and buy bait in the same store.
2 "Y'all" is singular and "all y'all" is plural.
3. "He needed killin " is a valid defense.
4. Everyone has two first names: Billy Bob, Jimmy Bob, Joe Bob, Betty Jean, Mary Beth, etc.
5. Everything is either: "in yonder," "over yonder" or "out yonder. "
6. You can say anything about anyone, as long as you say "Bless his heart" at the end!
-OR-
You can move to Colorado where...
1. You carry your $3,000 mountain bike atop your $500 car.
2. You tell your husband to pick up Granola on his way home, so he stops at the day care center.
3. A pass does not involve a football or dating.
4. The top of your head is bald, but you still have a pony tail .
-OR-
You can retire to Nebraska or Kansas where...
1. You've never met any celebrities, but the mayor knows your name.
2. Your idea of a traffic jam is three cars waiting to pass a tractor.
3. You have had to switch from "heat" to "A/C" on the same day.
4. You end every sentence with a preposition; "Where's my coat at?"
-OR-
FINALLY you can retire to Florida where...
1. You eat dinner at 3:15 in the afternoon.
2. All purchases include a coupon of some kind - even houses and cars.
3. Everyone can recommend an excellent cardiologist, dermatologist, proctologist, podiatrist, or orthopedist.
4. Road construction never ends anywhere in the state.
5. Cars in front of you often appear to be driven by headless people.
Let me add to the list.
Arizona:
Hot in the summer. Cold in the winter. Spring, and fall are awesome. Too many snow birds during that time.
California:
Well, I better not say, I will get banned.
New York:
Same as above.
Minnehopless:
The two seasons in Minnesota: winter, and road construction. Most locals are born and die in the same zip code.
The deep south or (Texas) where I was for 2 years:
Floods, rain, bugs, humidity, lousy infrastructure, high property taxes/rip off insurance rates. Good food (except one), and people. What the heck is 'Tex-Mex' anyways? More like Tex-Mess. Texans can't make good, real Mexican food.
Colorado:
More pot head losers are moving there than ever before. The state is now ruined.
Nebraska or Kansas:
Why? I will leave it at that.
Florida:
I won't because of one member lives there.
Gentlemen please stick to the topic at hand la Florida :
"Before you move to Florida consider new taxes, insurance and other idiosyncrasie"
Just yesterday the news reported
The National Weather Service has issued an excessive heat advisory Tuesday in parts of Florida.
I don't know why you are trying so very hard to discourage anyone from moving to Florida...It's a nice place to visit occasionally but so are a lot of other places. Personally I wouldn't want to live there... :)
TOB
A friend went to FL - he said it was the first time in his life that his knee caps sweated.
I was born in MI - but smart enough to get out when I was 2.
Its official now, spoke to Ronnie "D" and he is placing special guards and signs at our borders
I have no skin in this game......
Florida officials report five deaths from 'flesh-eating' bacteria in Bay Area since January
MORE: https://tinyurl.com/tjadme8h
It's not only the HOUSE insurance but just yesterday they hit us with $6 to 9,000 dollars per car.....this is hilarious.
The cost to live in paradise..... LMAO
Auto insurance rates surging in the Sunshine State and South Floridians have it the worst - CBS Miami
https://www.cbsnews.com/miami/news/auto-insurance-rates-surging-in-the-sunshine-state-and-south-floridians-have-it-the-worst/
Just like Texas. No thanks.
Come on baby !
More people and more Californians moving to Nevada, UNLV research shows
https://www.fox5vegas.com/2023/03/10/more-people-more-californians-moving-nevada-unlv-research-shows
Vegas, baby! Mountains, lakes, food, cars, cars, and cars--the best car people around, hot girls, plenty of housing, cheap taxes, sunshine with out the humidity/bugs. Oh, and IF you into it-Casinos and booze 24/7.
Ladies and gentlemen we have a winner !
I thought the upside for this crowd would be no car emissions testing. Go buy that 2020 GT500 and run what you brung....