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Old 08-29-2014, 10:37 AM
 
Location: Woodbury, MN
1,446 posts, read 1,520,367 times
Reputation: 1812

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It looks like the real estate prices are drastically lower when this thread began. I checked Big Pine Key real estate prices. Most of the homes were about $230K to $400K, which is a lot cheaper than Marco Island, where most of the homes for sale were over $500K with many in the multi-millions.

I didn't encounter any hostility when visiting Hawaii, although I was only there for about two and a half weeks. Housing and the cost of living is drastically higher in Hawaii than Florida too. No pension and SSI taxes in Hawaii is a big plus, but no income taxes in Florida is huge, especially with a good retirement income stream.

I visited and stayed on Little Torch Key and Big Pine Key several times in the lower keys decades ago. That was when the overseas highway was only a single two lane road and the main water line was a 12 inch pipe. I don't know if I could handle the hot and humid summer weather. We could do snowbirding in retirement, but then we would have to manage two homes. The boating and fishing is awesome in Florida. I would have to own a boat if I lived there.

We would have to change our residency to Florida and stay away from Minnesota for six months plus one day each year to avoid the Minnesota income taxes. I've visited Florida many times, but only in the winters. Maybe it's time for another visit to Florida and check out the keys for awhile.
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Old 08-29-2014, 05:37 PM
 
Location: Port Charlotte
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There was a home on one of the keys off Charlotte Harbor at $250,000. Nice home, elevated above flood level, on the harbor with a dock. Saw it the other day. Only problem is that the only access is by boat.
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Old 09-01-2014, 12:29 PM
 
Location: Inland FL
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Insurance rates are insane in the Keys. You can expect to pay thousands of dollars for insurance (wind, flood, storm, etc). It's ridiculous.
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Old 09-01-2014, 04:19 PM
 
Location: Woodbury, MN
1,446 posts, read 1,520,367 times
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Quote:
Originally Posted by Restrain View Post
There was a home on one of the keys off Charlotte Harbor at $250,000. Nice home, elevated above flood level, on the harbor with a dock. Saw it the other day. Only problem is that the only access is by boat.
I have searched online for properties in the Port Charlotte area before, as well as from Sarasota to Naples. Many of the properties are in Port Charlotte are in the $150K to $300K range, which are very affordable. A property on a tiny key only accessible by boat is not very practical in my view. Although I would prefer a lot on a canal or I'd have to check out the slip rental rates in a nearby harbor. There seems to be a lot of foreclosures that have occurred in the Port Charlotte area. I assume the insurance rates are lower in the Port Charlotte area or up toward Tampa.

For the Florida Keys, perhaps a trailer home is more practical. If the trailer home was destroyed in a hurricane, the loss could be limited to maybe $20K to $30K. Or, perhaps renting a home in the key to avoid the hurricane loss risks.

I don't know if I could handle year round living in Florida. So far, I've only considered it for snowbirding when we retire. I've visited Florida many times, but only in the winter.
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Old 09-01-2014, 06:23 PM
 
Location: Port Charlotte
3,926 posts, read 4,744,170 times
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There is a home near me built in the 70's that is going to be offered on the mid-60s. Nice quiet neighborhood, not in a flood zone.

Lots of homes under $100K in Port Charlotte. Saw a 3/2/2/pool/freshwater canal offered at $112K in the older part of North Port.
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Old 02-27-2015, 07:20 AM
 
5 posts, read 5,867 times
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So I thought I would put my input into this conversation. I lived in the fl keys from 1998-2006. I lived in islamorada and then in marathon. And the only reason I left is because I married a local and he hated it. I had a really good job working for the electric company. Now, while I didn't own a house I rented and owned a truck and motorcycle. I was able to afford all the things I wanted to do. And if I wanted to do any real shopping I would drive to Miami and spend the day there. Yes the keys can make you feel a little claustrophobic but again like a previous post you can still drive to the mainland. I am actually looking to move back there now. I am an RN now and applied to mariners hospital in tavernier or can commute to mainland. I have a ten year old now. She was born down there and have already looked into putting her on the swim team and tennis. I hope I can make it work again. I have visited there since I moved and a lot has changed. Some if my favorite restaurants have closed. So we shall see. Wish me luck!!
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