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10
Things you need to know about SW Florida |
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1. SW Florida Weather.
Summer is not the hot box you imagined. It's
often cooler here than in most of the rest of the
country. Our summer high temps are in the high
80's to low 90's. We have breezes most every day
and thunderstorms most every afternoon to cool
things down and keep the air clean. Summer skies
are crystal blue with snow-white fluffy clouds
that are spectacular. Spring and fall are
typically fabulous: enough said. Winters can be
chilly but temperatures rarely get to freezing. It
normally runs in the 60's and 70's.
2. Waterfront
Living - Cape Coral is called Waterfront Paradise.
Cape Coral has an amazing 400 miles of
salt water and fresh water canals, located at the
mouth of the Caloosahatchee River and Gulf of
Mexico. Do you want to fish, cruise to wonderful
places in a powerboat or leisurely sail the Gulf
Coast? We have direct access waterfront, which
means unimpeded access for the sailors or large
boats. Other options are Gulf access with bridges
to go under or landlocked freshwater canals and
lakes. Call me for your free chart and to talk
about your boating needs. There is a lot to learn
when buying waterfront. When shopping for
waterfront properties rely on an expert like me
that cares if you make the right choice and can
give you information important to you.
3. Cost of
Housing in Lee County is a relative thing.
The area is expanding with a variety of housing
prices that beat any of the waterfront areas in
the North. Lee County has something for everyone:
from the modest home away from home to a
magnificent home on the water or golf course. We
have everything in between. Check out the houses
on my web site to give you an idea of what is
here.
4. Cost of
Living for Other Things. Lots of folks
move here just because there is no state income
tax. Food and medical expenses are about the same.
Our growing season is when folks up north would
give their eyeteeth for a real vine ripe tomato,
etc. And oh, the oranges just grow in the yard! So
do the grapefruit, papaya, bananas, pineapple,
lemons, limes, coconuts, avocado and mangos!
Growing season for other plants and trees is 12
months a year. |
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5. Life Style is what Florida living is all
about.
The weather is balmy and perfect for outdoor
activities, from walking the beaches and shelling,
to golfing at lots of fabulous golf courses,
boating the coastal waterways and Gulf, or just
hanging out in your backyard pool. Sunsets are to
die for. Bird watching takes on a whole new
meaning here: bald eagles, burrowing owls,
pelicans, great blue herons, osprey and hundreds
of other birds are plentiful all year long. There
is rarely a trip in the boat that you don't
encounter dolphins or manatee.
6. Home
Inspections -THE TRUTH. Every purchase
of property should have a home inspection.
Generally, for under $200 you can have your new
prospective home inspected for defects. The
inspection includes everything from the foundation
to the roof. It includes plumbing, electrical,
appliances, seawalls, pools, air conditioning and
heat. It is important to understand that this is a
very valuable tool in purchasing a home; however,
it is not a guarantee that next week something
won't go haywire. It is a snapshot of the home on
the day the inspection was done. It can take 2-3
hours to go over a home thoroughly. If you are
building a new home and don't live in the area,
consider hiring an inspector to keep your
interests at heart for your new home in paradise.
7. Closing
Costs in our area are very favorable to the buyer.
It is customary for the seller to provide a clean
clear title to the buyer. If you are paying cash,
besides nominal fees for recording the title or
notary fee or overnight delivery, there are no
other charges. If you require a mortgage, the
state charges a state tax of $.35 per hundred
dollars of the mortgage amount and the title
company charges another $275 to deal with the
mortgage paper and extra title. There is also an
intangible tax of $.002 of the mortgage amount.
These are all separate fees from whatever your
mortgage company will charge. Get these numbers up
front. For buyers, if you are a cash buyer, the
state of Florida says, come on down! |
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8. Insurance is Different.
Living in Lee County can involve flood insurance,
and if you are buying at or near the beach or
river, wind damage insurance is mandatory. Your
homeowners insurance does not cover these
circumstances. If you are mortgaging the property,
insurance is a requirement of the mortgage company
to guarantee their protection. Insurance is always
changing and if you are near to the closing of
your new home during hurricane season, beware of
the timing window. If a tropical storm or
hurricane is within the window they will not write
any policies until the threat is over. You must
have your policy written and paid for to be able
to close. Auto insurance is also a different
matter. You need to check with an insurance
company to see what they currently require.
9. Hurricanes.
Even though you watch hurricanes hit what looks
like the entire state on the weather channel and
evening news, the reality is that when they hit,
severe wind damage is in a relatively small area
around the eye of the storm. The further from the
eye, the lower the winds are. Media coverage can
at times blow out of proportion the extent and
severity of these storms. On the other hand, the
greatest danger from these storms can come from
not taking the threat seriously.
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10. Social Life.
So much to do, so little time. The new residents
club consists of people just like you. They keep a
constant membership of over 300 and you are only a
member for one year. It is the one best thing you
can do for yourself when you move to Cape Coral.
There are also many very active churches in the
area and lots of activities for singles or
families. Lee County's average age is 40 years
old. This is quite an eclectic community. |
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