U.S. CitiesCity-Data Forum Index
Go Back   City-Data Forum > U.S. Forums > Florida
 [Register]
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
View detailed profile (Advanced) or search
site with Google Custom Search

Search Forums  (Advanced)
Reply Start New Thread
 
Old 08-30-2006, 09:10 AM
 
2,313 posts, read 2,844,279 times
Reputation: 471

Advertisements

Quote:
Originally Posted by Southside Shrek View Post
sounds like a sad state of affairs, especially when rising private health insurance premiums are also factored into the picture. Many folks end up working just to pay all their income out to insurers and the government.
I am one of those. I have no mortgages, I pay cash for cars so I have no car payments, no children, my property taxes are reasonable. I have an at home office and hardly even drive anywhere. Shopping, banking is less then a mile so I could care less about the cost to fill my tank. Wife and I are vegetarians and even grow much of our food, our grocery bills are very pretty low.

All in all we could actually live on hardly anything and get by. Insurance is the only thing that really cost me. Health for wife and I is $1150. a month. car is pretty cheap, $785.00 a year. Home owners insurance was not too bad about $4500 a year. Insurance's cost me around $19,000 a year, more then we spend on everything else combined.
Rate this post positively Reply With Quote Quick reply to this message

 
Old 08-31-2006, 08:48 AM
 
Location: Miami
566 posts, read 1,984,056 times
Reputation: 167
It's terrible that w/some people all of a person's social security check has to go to pay medical & home insurance - plus, all these brand name prescription drugs that cost a fortune. At my husbands job, people in their 70's and early 80's are working just to be able to pay these things - 2 of 'em are not in the best of health either.
Rate this post positively Reply With Quote Quick reply to this message
 
Old 09-21-2006, 11:06 AM
 
1 posts, read 1,895 times
Reputation: 10
Default Uninformed is dangerous

Quote:
Originally Posted by macguy View Post
I haven't read it but mobile homes aren't worth anything so I doubt they would be charging $10,000 to insure something worth $20,000, who would pay it?
Manufactured housing, is the most affordable homes on the market. Albeit the earlier ones did create negative connotation, and those that lived in them were looked at as "trailer park trash". However for the past 15 years the industry has made strides to improve the image and the quality of homes. Most reputable manufactures make their homes consistent to that of a stick built home. Most homes are built with 2" x 4" on the 16, with OSB wrapping and flooring (just like a stick built home) the difference is they are built in a controlled environment, and the building materials are not exposed to the rain and humidity during the building process. A stick built home in Florida goes for approximately $125.00 per sq. ft. (this does not include appliances) A manufactured home goes for approx. $55.00 per sq. ft and includes appliances.

The average manufactured home in florida costs approximately $65,000.00 and has approximatley 1700 sq ft, how does that stack up against 1700 sq. ft for a site built home?
Rate this post positively Reply With Quote Quick reply to this message
 
Old 06-10-2007, 02:13 PM
 
Location: Atoka TN
14 posts, read 48,015 times
Reputation: 18
Post HOI rates any better for new manufactured homes?

Quote:
Originally Posted by CDianeV View Post
Manufactured housing, is the most affordable homes on the market. Albeit the earlier ones did create negative connotation, and those that lived in them were looked at as "trailer park trash". However for the past 15 years the industry has made strides to improve the image and the quality of homes. Most reputable manufactures make their homes consistent to that of a stick built home. Most homes are built with 2" x 4" on the 16, with OSB wrapping and flooring (just like a stick built home) the difference is they are built in a controlled environment, and the building materials are not exposed to the rain and humidity during the building process. A stick built home in Florida goes for approximately $125.00 per sq. ft. (this does not include appliances) A manufactured home goes for approx. $55.00 per sq. ft and includes appliances.

The average manufactured home in florida costs approximately $65,000.00 and has approximatley 1700 sq ft, how does that stack up against 1700 sq. ft for a site built home?
My husband and I are considering moving from TN to Venice FL area. I lived there before joining the Navy and my husband and I love the area. However, after months of research and numbers crunching, we've decided the only option we have other than renting is buying a new small manufactured home. Unfortunately, I could not find information on HOI or property tax rates for MHs. So I have several questions....

1) are the HOI rates any better for a new smaller (1200sqft. max) MH than older site built homes?
2) do MHs in SW FL keep any of their value or do they depreciate like any other area?
3) Do you pay the same property tax rates on MHs as you do site built homes?

Thanks for any insights and info anyone offers. js3cats@aol.com
Rate this post positively Reply With Quote Quick reply to this message
 
Old 06-10-2007, 02:39 PM
 
2,313 posts, read 2,844,279 times
Reputation: 471
Quote:
Originally Posted by McKeesCat View Post
My husband and I are considering moving from TN to Venice FL area. I lived there before joining the Navy and my husband and I love the area. However, after months of research and numbers crunching, we've decided the only option we have other than renting is buying a new small manufactured home. Unfortunately, I could not find information on HOI or property tax rates for MHs. So I have several questions....

1) are the HOI rates any better for a new smaller (1200sqft. max) MH than older site built homes?
2) do MHs in SW FL keep any of their value or do they depreciate like any other area?
3) Do you pay the same property tax rates on MHs as you do site built homes?

Thanks for any insights and info anyone offers. js3cats@aol.com
At a point they are worthless. When parks close up around here they usually just give a token amount to the owners and bulldoze them. I am not sure once they have sat on site for any period of time they can even be moved very easily. It may cost more then they are worth. If I got one I would not even insure it, I would consider it disposable. One thing I am recently learning is what fire traps they are. They seem to burn up in a few minutes. There must be a story in the paper at least once a week around here about Mobile home fires. That kind of scares me, I really don't know if I would want to live in one at all. We have been considering recently getting a motorhome. They can be parked and also moved with no problem.

All you have to do is google and you find one almost everyday. So many people die in these things it is hard to believe they can build them.
Fire Destroys Mobile Home

Last edited by macguy; 06-10-2007 at 03:35 PM..
Rate this post positively Reply With Quote Quick reply to this message
 
Old 06-10-2007, 02:41 PM
 
Location: 32082/07716/10028
1,346 posts, read 1,979,659 times
Reputation: 167
Quote:
Originally Posted by macguy View Post
At a point they are worthless. When parks close up around here they usually just give a token amount to the owners and bulldoze them.

did you forget about that park near palm beach?
each owner got around a million or so each to get out
Rate this post positively Reply With Quote Quick reply to this message
 
Old 06-10-2007, 02:51 PM
 
2,313 posts, read 2,844,279 times
Reputation: 471
Quote:
Originally Posted by kort677 View Post
did you forget about that park near palm beach?
each owner got around a million or so each to get out
That was for the property, not the home. Most parks the home owners just rent, when the property gets sold they give the owners a dead line to get out. Right near me a park just closed and the property sold for 4.2 million. They had been trying to get rid of the home owners who had leases for a couple of years then hurricane Wilma took care of that. They whole place was deemed uninhabitable by the city when it was over.
Rate this post positively Reply With Quote Quick reply to this message
 
Old 06-10-2007, 03:14 PM
 
Location: 32082/07716/10028
1,346 posts, read 1,979,659 times
Reputation: 167
Quote:
Originally Posted by macguy View Post
That was for the property, not the home. Most parks the home owners just rent, when the property gets sold they give the owners a dead line to get out. Right near me a park just closed and the property sold for 4.2 million. They had been trying to get rid of the home owners who had leases for a couple of years then hurricane Wilma took care of that. They whole place was deemed uninhabitable by the city when it was over.
it goes back to the rent vs own battles, in this case it was clear that the owners made out while people who rent came out on the short end
Rate this post positively Reply With Quote Quick reply to this message
 
Old 06-13-2007, 08:55 AM
 
Location: Atoka TN
14 posts, read 48,015 times
Reputation: 18
Quote:
Originally Posted by macguy View Post
At a point they are worthless. When parks close up around here they usually just give a token amount to the owners and bulldoze them. I am not sure once they have sat on site for any period of time they can even be moved very easily. It may cost more then they are worth. If I got one I would not even insure it, I would consider it disposable. One thing I am recently learning is what fire traps they are. They seem to burn up in a few minutes. There must be a story in the paper at least once a week around here about Mobile home fires. That kind of scares me, I really don't know if I would want to live in one at all. We have been considering recently getting a motorhome. They can be parked and also moved with no problem.

All you have to do is google and you find one almost everyday. So many people die in these things it is hard to believe they can build them.
Fire Destroys Mobile Home
Do you mean even the new ones are fire traps? I would have thought the new building codes would have made them safer. Well, in any case, after reading other forum threads about FL, I'm pretty sure we'll just rent. Take the difference between rent and mortgage and invest and let somebody else have all the HOI and property tax headaches for a change.

Because I've experienced similar problems here in Shelby County TN. We are in the New Madrid earthquake fault zone and last year Allstate dropped earthquake coverage entirely. Hartford covered us with a 10% deductible so big out of pocket expenses for a homeowner IF a disaster occurs with that and the expense of living elsewhere while home is being rebuilt.

I love the idea of a motorhome but was told by one couple who live the RV life, you need a home base somewhere to operate out of. We cannot afford both right now but we'll work on it. Thanks for the insight.
Rate this post positively Reply With Quote Quick reply to this message
 
Old 06-13-2007, 09:11 AM
 
1,775 posts, read 7,790,971 times
Reputation: 796
Quote:
Originally Posted by McKeesCat View Post
:
I love the idea of a motorhome but was told by one couple who live the RV life, you need a home base somewhere to operate out of. We cannot afford both right now but we'll work on it. Thanks for the insight.
You could always just use a relative, friend or neighbors' address for your home base. there are many services out there aimed just for RV'rs on the go too. I don't see why you would need to actually have a home when your not even going to be living there half the time.
Rate this post positively Reply With Quote Quick reply to this message
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.

Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.


Reply
Please update this thread with any new information or opinions. This open thread is still read by thousands of people, so we encourage all additional points of view.

Quick Reply
Message:


Settings
X
Data:
Loading data...
Based on 2000-2020 data
Loading data...

123
Hide US histogram

Over $104,000 in prizes was already given out to active posters on our forum and additional giveaways are planned!

Go Back   City-Data Forum > U.S. Forums > Florida

All times are GMT -6.

© 2005-2022, Advameg, Inc. · Please obey Forum Rules · Terms of Use and Privacy Policy · Bug Bounty

City-Data.com - Contact Us - Archive 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37 - Top