Thinking about a move in Boca Raton?

How I approach a Boca Raton transaction

The useful thing about a transaction in your own market is that the answers arrive faster. I can look at a Boca Raton property, form a view, and tell you what I actually think rather than relaying someone else's read. That is the difference between this page and the ones on this site written for other states.

What actually decides a Florida closing

Roof age is a financing and insurance question long before it is an aesthetic one. Insurers price it, some decline on it, and a lender who cannot see cover in place cannot close. If the roof is older, get the insurance answer before the inspection period ends. It changes what the property costs to own, which is a different question from what it costs to buy.

Price these before you commit

• Windstorm and flood are underwritten separately from the main policy across much of Florida. Price them on the specific address before you are under contract, not after.
• For condominium buildings of three storeys or more at the relevant age, Florida requires milestone structural inspections and a structural integrity reserve study. Both change assessments and financeability. Read them before waiving anything.
• The homestead exemption reduces taxable value on a Florida primary residence, and the Save Our Homes cap limits how fast the assessed value rises afterwards. Portability may carry a benefit from a prior Florida homestead. Your county property appraiser is the authority, not your agent.
• Title in Florida is customarily handled through a title company rather than an attorney as a matter of course, which changes who you call when a question arises mid-contract.

Other cities in Florida

• Orlando
• Fort Pierce
• Leesburg
• Avon Park
• Homestead
• Panama City
• Valrico
• Melbourne
• All of Florida