10 Questions Every First-Time Homebuyer Should Ask When Purchasing a Waterfront Property in Florida

Buying your first waterfront home in Florida is an exciting venture. Ensure you’re well-prepared by asking these essential questions:

What Is My Budget?
Work with a lender to determine how much you can afford, considering additional costs associated with waterfront properties.
What Are the Maintenance Requirements?
Understand the upkeep needed for features like docks, seawalls, and pools.
Are There Any Water-Related Restrictions?
Inquire about boating regulations, water access rights, and any environmental protections.
What Is the Flood Risk?
Assess the property’s flood zone status and the necessity for flood insurance.
How Is the Water Quality?
Check for any issues that could affect recreational use or property value.
What Are the Property Boundaries?
Clarify where your land ends and public access begins, especially concerning the waterfront.
Is the Structure Hurricane-Resistant?
Ensure the home is built to withstand Florida’s hurricane season, including features like impact windows and reinforced roofing.
What Are the Local Zoning Laws?
Understand any restrictions on property modifications or additions.
Are There Homeowners Association (HOA) Fees?
Factor in these costs and understand the associated rules.
What Is the Resale Potential?
Consider the long-term value and desirability of the location.