Florida Licence · Florida Market
Real estate in Coral Gables, Florida
Miami-Dade County is day-to-day territory. Here is how to start.
Direct representationWhat to expect from me
The parts of this job that matter least are the ones marketing is loudest about. What decides whether a Coral Gables transaction closes on time is whether somebody is chasing the association for documents, whether the lender’s conditions were read the week they arrived rather than the week they were due, and whether the survey was ordered early enough to be useful. None of that photographs well. All of it is the work.
What actually decides a Florida closing
The survey is where the story of a property is usually kept. Encroachments, an easement nobody mentioned, a fence that has been in the wrong place for twenty years, an addition that crosses a setback — none of that appears in the listing and all of it can affect title, insurance or your ability to do what you were planning to do. Order it early enough that its findings can still be negotiated.
The Florida-specific list
- 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
Questions people actually ask
What relationship will we have — are you my agent?
In Florida the presumption is a transaction broker relationship unless something else is agreed in writing, as Section 475.278, Florida Statutes contemplates. That carries a defined set of duties, including dealing honestly and fairly, skill and care, and limited confidentiality. I will tell you plainly and in writing which relationship applies before you rely on me, and none exists until it is agreed.
How does the homestead exemption work?
It reduces the taxable value of a Florida primary residence and, through the Save Our Homes assessment cap, limits how fast the assessed value can rise afterwards. Portability may let you carry a benefit from a prior Florida homestead. The county property appraiser is the authority on your specific situation — I am not a tax adviser.
Can I speak to other agents as well?
Of course, and you should. Nothing about a first conversation requires exclusivity, and no brokerage relationship exists until something is agreed in writing. If you interview three people and pick one of the others, that is a good process working properly. I would rather lose the work than have you commit to somebody because it felt awkward not to.
What happens if I need an agent somewhere other than Florida?
I refer you. My licence is Florida only, so for anywhere else the honest service is an introduction to a licensee in that state through The Keyes Company.
Do you work in Coral Gables directly?
Yes. Coral Gables is in Miami-Dade County, inside the area I work as a sales associate of The Keyes Company. No referral is involved.
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About Jacob Campbell Read the FAQ
Jacob Campbell · Florida Real Estate Sales Associate, license 3623732 · The Keyes Company · 561.301.7130