Buyer Questions

Florida easements run with the land, not the owner. In Sarasota and Bradenton, a side-yard utility strip can block your future pool or fence after closing.

FHA Sarasota cap is $524,225 with 3.5% down at 580 credit. Conventional reaches $806,500 and lets PMI drop at 20% — usually cheaper above a 680 score.

Florida buyers can back out only with a valid contingency exercised in writing before the deadline. Miss it by a day and $10,000–$25,000 earnest is gone.

Florida’s cost of living indexes 102.2 in 2026, but no state income tax usually wins – Sarasota and Manatee single-family medians sit near $475K.