Florida Real Estate Hidden Costs: CDD Fees, Property Tax Reset, and Wind Mitigation Insurance Discounts cover art

Florida Real Estate Hidden Costs: CDD Fees, Property Tax Reset, and Wind Mitigation Insurance Discounts

Florida Real Estate Hidden Costs: CDD Fees, Property Tax Reset, and Wind Mitigation Insurance Discounts

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Think Florida is cheap because there’s no income tax? Think again.

We’re breaking down the "Price of Paradise" and why a $500k new build in Parrish might actually be cheaper per month than a $450k vintage bungalow in St. Pete. 🌴💸

Chapter Breakdown

  • [0:00] The Florida Allure: Why everyone is moving to Tampa, Sarasota, and St. Pete in 2026.
  • [2:45] The CDD Deep Dive: Understanding Community Development Districts—the "hidden mortgage" for infrastructure.
  • [6:15] CDD vs. HOA: Why you might be paying two different entities and what each one actually covers.
  • [8:30] The Tax "Reset Trap": Why you should never trust a seller’s current tax bill and how to calculate your real cost.
  • [12:00] Homestead & Portability: How the "Save Our Homes" cap protects long-term residents and how to move your savings.
  • [15:45] The Insurance Puzzle: New vs. Old homes—the staggering $10k+ difference in annual premiums.
  • [18:30] Wind Mitigation 101: How hip roofs, clips, and straps can save you 25% or more on your policy.
  • [21:15] The 2027 Flood Mandate: Why every Citizens policyholder will soon need flood insurance, even in Zone X.
  • [24:00] My Safe Florida Home: How to get free state grant money to retrofit your home and lower your rates.

Key Takeaways: What You Will Learn

  • ✅ The 1% Rule: A quick math hack to estimate your Florida property taxes accurately.
  • ✅ The Infrastructure Bond: How to identify if a CDD bond is almost paid off, potentially saving you thousands.
  • ✅ Building Code Benefits: Why homes built after 2002 offer a massive financial advantage in the insurance market.
  • ✅ Strategic Buying: How modern engineering is your best financial defense against rising Florida carry costs.

Produced by:
Hall and Hoolihan Group

Social Media:

Hall and Hoolihan
https://www.instagram.com/hallandhoolihan/
https://www.youtube.com/@HallandHoolihan

Cydney Hall
https://www.instagram.com/cydneysellsre/
https://www.youtube.com/@CydneySellsre

Joseph Hoolihan
https://www.instagram.com/josephhoolihanrealestate/
https://www.youtube.com/@JosephHoolihanRealEstate
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