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Old 01-19-2018, 07:42 AM
 
1,329 posts, read 2,560,585 times
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Hi all, I'm looking for a home somewhere close to Brooksville. Would like to be within 20-30 minutes. I have family in Highpoint and Brookridge but on my income I need something a little lower in price, but do want a place where I'm not paying lot rent, just a small HOA fee like Highpoint. Any thoughts on Braewood? Or I've seen a few decent places in Damac Estates? I really prefer to be out of the congested areas if I can, not a city girl lol, so any recommendations for specific communities close but not in town? I'm not going to have much longer to look before I need to move (sold my house in MI), so any help with communities like this are so appreciated! Or even very cheap, but in a good safe area, apartments close to there? Thanks in advance!
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Old 01-20-2018, 06:27 PM
 
Location: Spring Hill, Florida
3,017 posts, read 4,862,380 times
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There are some pretty inexpensive places in High Point - under $40K. How much lower than that are you looking for?
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Old 01-21-2018, 03:31 AM
 
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Some nice 3 bed double car garage on nice lots can be had for about $150K in the Springhill area.
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Old 01-21-2018, 10:00 AM
 
11,383 posts, read 7,776,816 times
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Quote:
Originally Posted by lyoness View Post
Hi all, I'm looking for a home somewhere close to Brooksville. Would like to be within 20-30 minutes. I have family in Highpoint and Brookridge but on my income I need something a little lower in price, but do want a place where I'm not paying lot rent, just a small HOA fee like Highpoint. Any thoughts on Braewood? Or I've seen a few decent places in Damac Estates? I really prefer to be out of the congested areas if I can, not a city girl lol, so any recommendations for specific communities close but not in town? I'm not going to have much longer to look before I need to move (sold my house in MI), so any help with communities like this are so appreciated! Or even very cheap, but in a good safe area, apartments close to there? Thanks in advance!
I guess you are looking for a manufactured home since you say no lot rent. You are better off buying a real small house for about $50K and your mortgage will be about $500 a month or less, depending on taxes and home insurance costs something like this

https://www.realtor.com/realestatean...1-09585#photo2

Or you can find an older mobile home on a lot you own for about $30k
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Old 01-21-2018, 06:09 PM
 
1,329 posts, read 2,560,585 times
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I have that home saved on my Zillow, lol. My cousin is going to drive thru the neighborhood to see if it's decent. I would like to keep it under $40,000 so I won't have to finance. Although I'm not set on buying in a retirement park, they seem to be the only places that have cheaper homes. There are several that I've come across that have small HOA, or a very small lot rent, but with so many places to search online for homes you can waste a lot of time only to find some charge a huge lot rent, for someone trying to live within their budget on SS it really makes it hard. Was hoping for some names of communities to narrow my search.
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Old 01-21-2018, 09:39 PM
 
11,383 posts, read 7,776,816 times
Reputation: 12258
Quote:
Originally Posted by lyoness View Post
I have that home saved on my Zillow, lol. My cousin is going to drive thru the neighborhood to see if it's decent. I would like to keep it under $40,000 so I won't have to finance. Although I'm not set on buying in a retirement park, they seem to be the only places that have cheaper homes. There are several that I've come across that have small HOA, or a very small lot rent, but with so many places to search online for homes you can waste a lot of time only to find some charge a huge lot rent, for someone trying to live within their budget on SS it really makes it hard. Was hoping for some names of communities to narrow my search.
Small HOA fee is fine as long as you own the lot. Lot rent is trouble, unless you can buy an old decent shape $5K home with a $350 lot rent. A new owner can come in and double the lot rent when your yearly lease is up, or they can tell you the home is too old and you have to move it out and those old 1970s mobile homes are too old to move and no other park would take them. Best to buy a real house, even if you get a mortgage or buy a mobile home home on a private lot that is not in a park, or last a home in a park on your own lot with a low HOA fee. If you can find a real home buy that and get the loan and put down 20% and with the closing costs it will be about $15K. You can put more down too, or pay extra principal to pay the mortgage off faster or get a 15 year loan.
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