Think carefully about Florida. Your auto insurance will be double and your home owners insurance will be incredibly expensive. When I sold my 1300 sq ft manufactured home in the Orlando area in September 2023, my next insurance bill was $4000. That’s after putting a new roof on after Hurricane Ian. Since I was selling, I didn’t shop around and probably could have gotten something lower, but not by much. You also have to be careful of your carrier, but there’s not a lot of choice as carriers have fled Florida in recent years. My neighbors also needed a new roof after Ian, and got $800. I got $6000. Our roofs were the same age.
If you could find a place that’s not in an HOA/COA, that would be ideal. While there’s a limit to how much fees can increase on a yearly basis, insurance and reserves are not included in that. The property I was helping to manage went up 25% on their fees after Hurricane Ian. Plus there can be the hassle of rules to be followed.
Your morning coffee in the kayak wouldn’t be as relaxing as you keep your eye out for gators and water moccasins.
Personally, I found Florida to be boring in many respects. But the summertime thunderstorms are awesome.
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