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Old 02-15-2014, 07:56 AM
 
6 posts, read 19,785 times
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Hi;
I'm considering a move from Jacksonville to Sarasota Palmer Ranch 34238 area code.
I'm wondering what the avg. home owner's insurance & property tax would be for
a new 2000 sq. ft home in that area. I'm assuming the insurance will be considerably more
than Jax due to hurricane possibilities being greater.
Thanks !
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Old 02-15-2014, 11:55 PM
 
Location: Port Charlotte, FL
3,979 posts, read 10,550,239 times
Reputation: 1940
Homeowner Insurance rates vary by age of home, size of home,
conditions of home, and location of home. Insurance is more expensive if you live
near any type of water – pond, lake, river, Gulf. Insurance is more expensive if
home was not built to current hurricane standards. You can get discounts the home
qualifies for by having a wind mitigation inspection done at the same time as your
home inspection. Discounts are available for building features that reduce damage
during high wind events. Overall discounts include things such as age of home, style
of roof, how close the home is to a body of water, how close to a fire hydrant, how
the roof is tied down, if the home has hurricane shutters or impact resistant
windows, frame or block home, etc. If the home is in a flood zone, the insurance
company will require a flood elevation certificate. That can be obtained by paying a
survey company to prepare it. To check Flood Zones go to Flood Insurance | Flood Maps | Flood Risk | FloodSmart and
type in the address of the property. It will give you the flood zone, rates, and
insurance companies.

Property Taxes – A home buyer should not rely on the seller's current property
taxes as the amount of property taxes that the buyer may be obligated to pay in the
year subsequent to purchase. A change of ownership or property improvements
triggers reassessment of the property that could result in higher property taxes. If
you have any questions concerning valuation, contact the county property appraiser's
office for information. The home you are interested in purchasing may be
homestead. Homesteading caps the tax assessments on the home during
ownership. MLS records do not necessarily reflect current tax assessments.
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Old 02-16-2014, 06:25 AM
 
Location: Sarasota/ Bradenton - University Pkwy area
4,619 posts, read 7,539,060 times
Reputation: 6036
The builders rep should be able to give you an idea of insurance rates, you can also check with a local insurance agent. Most are happy to give you an estimated cost.

As to property taxes on new construction in Palmer Ranch, the best source is to contact the county property appraisers office, but you can probably get a ballpark figure by looking up a similar, almost new construction home nearby. It would be difficult to estimate taxes for you based solely on sq ft.
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