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Imagine waking to ocean sunrises in this beautifully renovated fifth floor home with beach access pools and sunset views across the water every day
What if your day began with the sun rising over the ocean? Welcome to Surf Club II, where this coveted fifth-floor end unit pairs southern exposure with beautiful natural light and sweeping views of the ocean and beach, bringing the coastal setting into everyday life. Completely transformed through an extensive 2025 renovation, the interior is…
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Northeast Florida Builders May Be More Motivated to Sell
Yes, builders in Northeast Florida may be more motivated to sell than homeowners right now. A builder with finished homes sitting unsold is paying carrying costs every day, which can make them more open to negotiating on price, incentives, or a mortgage-rate buydown. For buyers, that could be a real opportunity. Whether you’re looking in…
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Florida Listings Must Show Truer Tax Estimates
Florida now requires more accurate property tax estimates on residential Real Estate listings, helping figures better match what a new buyer could owe after purchase. Many listings had shown the seller's current tax bill, which could appear artificially low under a state tax cap and surprise buyers at closing. In Early-Q3, a county property appraiser's…
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Adjustable-Rate Mortgage in Northeast Florida: What to Know
More buyers are choosing adjustable-rate mortgages (ARMs) because they usually start with a lower interest rate than a fixed-rate loan, which means a smaller monthly payment. The Mortgage Bankers Association (MBA) reports that roughly 1 in 10 mortgage applicants chose an ARM in October. With an ARM, your rate stays locked for the first few…
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Florida’s Retirement Draw Is Shifting
Florida was the only state to land in the top 10 for all four generations in a midyear interstate moving-truck migration study. Within that ranking, Florida placed No. 1 for Gen X and millennials, showing the state still held broad appeal beyond traditional retirement moves. Florida kept its no-income-tax advantage, but owner-occupied property taxes stayed…
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Sell or Rent Your House in Northeast Florida? How to Choose
If you want a clean break and a predictable outcome, selling is usually the simpler path. Renting can work well, but it means running a small business and carrying the costs of a second property. The right answer depends on your price, your home’s condition, and how hands-on you want to be. Houses are taking…
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Florida home insurance rates fall in 51 counties as the hurricane season continues
Home insurance rates have fallen in 51 Florida counties in 2026 due to 2022 reforms reducing lawsuits, fewer policies at Citizens Property Insurance, and increased private insurer competition. Litigation changes cut legal costs, and reinsurance rates have dropped, lowering premiums. Despite improvements, Florida still has the highest insurance costs, with rates varying by location and…
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Closing Costs in Northeast Florida: Who Pays What?
Closing costs are the fees and expenses required to finalize a real estate sale — things like lender fees, title services, escrow charges, prepaid taxes, and insurance. Both buyers and sellers typically pay a share, though exactly who covers what depends on the purchase agreement, financing, and local custom. Here’s a clear breakdown of what…
First Coast Report: a blog about real estate and coastal living.
