Real Estate

Buying a Beachfront Home in FL


Beachfront properties are impressive and give owners brilliant amenities. In Florida, buyers have several options for housing including beach houses and condos. The home designs offer extraordinary choices for the owners and accommodate singles and families. Buying beachfront homes gives the buyers a wonderful investment. 

Do You Want a Condo or Traditional Home?

Home buyers review a variety of homes in Florida when searching for beachfront homes. They can find beach houses and condos that line the coast and offer extraordinary views of the ocean. The buyer must compare the benefits of each opportunity and the price for the properties. Condos can reduce the maintenance costs for the property and give the owner immediate amenities within the community. However, a beach house gives the owner more privacy and amenities that are just theirs. 

Properties Near the Shoreline

When buying a home on the shoreline, the buyers must consider their commute and everything the property has to offer. Beachfront homes give property owners prestige and beautiful home designs. Real estate agents help property buyers find the best home along the coast according to the buyer’s preferences. The properties offer decks and patios that give a homeowner a chance to enjoy the sunset every evening. The homes feature bay windows that offer window seats and patio doors that lead to a swimming pool or Jacuzzi, too. 

Private Access to the Beach

The properties might offer private access to the beach for the homeowners. The exclusivity of private beach access increases the appeal of the properties and allows homeowners to enjoy their own piece of paradise. A real estate agent sets up visits to the properties that allow buyers to explore these opportunities and find a property that feels like home. Buyers can check out NRIA and find out more about buying beachfront properties in Florida. 

Understanding Extra Insurance Requirements

Properties in Florida will require standard homeowner’s insurance policies and flood insurance. However, with the higher than average risk of hurricanes, the property owners must purchase hurricane coverage. The insurance provides coverage for the property if it is damaged or destroyed by a hurricane. The lender must purchase the insurance policies before the property closing. 

Vacation Homes and Primary Properties

The financing for the property depends on how the owner uses it. Property buyers have more options if they plan on living in the property full-time. If it is a vacation home, the owner cannot use an FHA mortgage. If they want to make changes to the property, the homeowner can get a renovation allowance with the mortgage if it is their primary home. With great credit, the buyer could pay as little as 3.5% of the mortgage amount. 

Buyers find Florida beachfront properties with an agent to help them. Investing in shoreline properties gives the buyer an extraordinary opportunity, and the property values could increase quickly. A property on the shoreline might provide private beach access for the homeowner and their family. Buyers can review their options for beachfront properties by contacting an advisor for more details now.

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