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Old 03-21-2013, 12:11 PM
 
Location: Saint Cloud, FL
12 posts, read 75,251 times
Reputation: 16

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Hello all,
I relocated to SW Orlando 6 months ago from Massachusetts. I got such helpful advice on this forum, that I thought I would pop on here again.
I feel silly putting a dating profile on here, but I figure it's easiest to determine what's best for me, by knowing a bit about who I am. I am a white, 45 year-old recently separated woman and mom to a 14 year-old daughter. I am currently renting in the Hunters Creek area and have been quite happy here (aside from apartment living). I was pretty much considering buying in this general area. However, I have needed some time to improve my credit and save some money.
Unfortunately, property prices have skyrocketed since my decision to move here. I have had to reconsider my options. I am only able to get approved for less than $100,000.
I am not too picky about the town, but I would prefer a more rural setting. I have been looking at some manufactured homes and some brick and mortars. I prefer a single family with a small amount of land (not in any type of park). I found an adorable home in St Cloud (in the middle of nowhere, about 30 miles from Melbourne), but have been told it's not a good town. I also found many on the East Coast (Cocoa, Rockledge, Meritt Island), but have been told that only areas on the beach are nice and everywhere else is meth lab territory! Is this true? Are there any nice areas besides right on the beach? And, is this also the case on the West Coast? I have found many affordable homes there also (Inverness, Floral City, Homosassa, Brooksville, etc.). My daughter is interested in Marine biology and anything else nature and animals, so I thought that area might be nice.
Also, I know there are some nice areas a little North of Orlando (Altamonte, Winter Park, Maitland), they are a bit out of my price range and nearly impossible traffic-wise to get anywhere.
I would really appreciate any suggestions on areas to avoid and some that may be safer for us.

I should add that I work from home and we homeschool, so I don't need to consider certain locations because of that. Which makes all of this so much harder!
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Old 03-21-2013, 04:16 PM
 
23,800 posts, read 36,401,615 times
Reputation: 24270
If you're looking for a more rural setting under 100K you have a number of options that do not involve manufactured housing or living among drug dens, and in areas where you can actually see some appreciation in value as well. Finding someplace right on the coast in your price range that is somewhat safe and likely to see appreciation is fairly impossible but you can definitely be within 30 minutes of the coast and find that. I'd recommend checking out Homosassa, Inverness and Sebastian (SE of Orlando in Indian River County). In all three areas your price bracket sits fairly even with the overall housing value and you won't be looking at the lower rungs so to speak.
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Old 03-21-2013, 05:08 PM
 
26,589 posts, read 58,386,574 times
Reputation: 13119
Look in the Loghouse Road / Lake Crescent area of Clermont. There are some homes over in that area listed for $100K or less that aren't in HOA's. If's a fairly rural area that still has access to shopping, etc. within a 5-10 minute drive.

Traffic in that area isn't bad, and you are inland so homeowners insurance is affordable. I wouldn't buy anything anywhere eat of I-95 or West of I-75 without getting an insurance quote--you might be shocked. The monthly insurance can be as high as the mortgage payment.
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Old 03-21-2013, 09:14 PM
 
23,800 posts, read 36,401,615 times
Reputation: 24270
Quote:
Originally Posted by annerk View Post
.
I wouldn't buy anything anywhere eat of I-95 or West of I-75 without getting an insurance quote--you might be shocked. The monthly insurance can be as high as the mortgage payment.
That's a vast generalization. Indian River County (Sebastian for instance) has a number of companies quoting home insurance rates for homes w/wind mitigation in the $1000-$1400 range, which would run around $100 a month. In Citrus County (Inverness area) rates are in the $750 to $1000 range per year. In Orange County (Orlando) the rates start at $670 and go up to a $1000 by comparison. Considering one can buy more house for the money in areas like Sebastian or Inverness where there are also other quality similarly priced options, the smart money in my opinion would point in that direction.

CHOICES - Homeowners
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Old 03-25-2013, 03:56 PM
 
26,589 posts, read 58,386,574 times
Reputation: 13119
Quote:
Originally Posted by kyle19125 View Post
That's a vast generalization. Indian River County (Sebastian for instance) has a number of companies quoting home insurance rates for homes w/wind mitigation in the $1000-$1400 range, which would run around $100 a month. In Citrus County (Inverness area) rates are in the $750 to $1000 range per year. In Orange County (Orlando) the rates start at $670 and go up to a $1000 by comparison. Considering one can buy more house for the money in areas like Sebastian or Inverness where there are also other quality similarly priced options, the smart money in my opinion would point in that direction.

CHOICES - Homeowners
I didn't generalize anything. I made a valid suggestion.
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Old 03-25-2013, 04:27 PM
 
23,800 posts, read 36,401,615 times
Reputation: 24270
Quote:
Originally Posted by annerk View Post
I didn't generalize anything. I made a valid suggestion.
Quote:
Originally Posted by annerk View Post
Look in the Loghouse Road / Lake Crescent area of Clermont. There are some homes over in that area listed for $100K or less that aren't in HOA's. If's a fairly rural area that still has access to shopping, etc. within a 5-10 minute drive.

Traffic in that area isn't bad, and you are inland so homeowners insurance is affordable. I wouldn't buy anything anywhere east of I-95 or West of I-75 without getting an insurance quote--you might be shocked. The monthly insurance can be as high as the mortgage payment.
Umm, ok.
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Old 03-27-2013, 01:32 PM
 
26,589 posts, read 58,386,574 times
Reputation: 13119
Quote:
Originally Posted by kyle19125 View Post
Umm, ok.
Like I said, get a quote, the payment "can be." Not "is." In some cases, it most certainly can be.
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Old 03-27-2013, 02:55 PM
 
Location: SoCal
3,877 posts, read 3,233,206 times
Reputation: 3214
You could look into the Ocala/ Marion county area specifically Marion oaks, and the shores if you really want a rural setting there is rainbow park. Both of these ares offer tons of houses in your price and they are not you typical 60s and 70s homes that run in that price range. They are nice 3br,2bath,2car garages built in the early to kid 00s before the housing bust. It is also pretty rual out there depends on the house, but you might not have immediate neighbors. The schools out there are pretty decent there isnt much crime. Bassically since you seem to have been looking into citrus county these comminites are very similar to citrus ridge. There is a plus it is in ocala winch has a bit more shopping, and etc...
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