A Florida licence covers Valrico too

Where Florida transactions get complicated

Unpermitted work attaches to the property, not to the person who did it. Open permits, work that was never inspected, a converted garage or an enclosed patio with no paperwork behind it — these surface at the least convenient moment and they can hold up a closing, an insurance quote or a resale years later. The building department will tell you what is on record, it costs nothing to ask, and the answer is worth having while contingencies are still running.

What working together looks like

If you have already spoken to agents in Valrico and were unconvinced, that is a reason to call rather than a reason not to. I can act for you in Valrico under The Keyes Company, or I can introduce you to a colleague who works Hillsborough County every week, and you will have my view on which of those serves you better before you have committed to either. An introduction inside Florida is not a referral in the out-of-state sense — it is the same brokerage — and I will explain how the two differ.

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

• Gainesville
• Destin
• Palm Bay
• Leesburg
• Davie
• Oviedo
• Plantation
• Lake Mary
• All of Florida