What is the typical process for buying a home in South Florida?
The buying process generally includes:
- a. Initial consultation and needs assessment
- b. Financial preparation and pre-approval (if financing)
- c. Curated property tours
- d. Offer preparation and contract negotiation
- e. Inspections & due diligence
- f. Appraisal and financing finalization
- g. Closing
Ashley’s advantage is her dual background in law and finance, giving clients a seamless, protected, and highly strategic experience at each step.
How much do property taxes typically run in South Florida?
Property taxes vary by county and municipality, but they are generally around 1%–2% of a property's assessed value. Florida’s Homestead Exemption can lower taxes for primary residents, but it does not apply to second homes or investment properties. Ashley helps buyers evaluate tax implications and future increases, especially for high-value properties.
Are there special considerations for condos in Fort Lauderdale?
Yes. Fort Lauderdale’s condo market has unique characteristics buyers should be aware of:
- a. Waterfront exposure & flood zones: Many condos line oceanfront and Intracoastal waterways. Flood insurance requirements and elevation checks are essential.
- b. Boating lifestyle buildings: Some buildings include marina slips or dockage; these have separate rules, fees, and availability limits.
- c. Newer vs. older construction: Post-2006 buildings are built to stronger hurricane codes. Older buildings may require updates that impact reserves and assessments.
- d. 40-year/50-year recertification: Many Fort Lauderdale buildings—especially older beachfront ones—face structural inspections and potential assessments.
- e. Rental restrictions: Las Olas, the beach district, and central Fort Lauderdale condos vary widely in rental policies, impacting investment value.
- f. Parking limitations: Beach-area buildings may have limited parking or valet-only structures.
- g. Association financial health: Because of the coastal exposure, strong reserves are crucial to avoid future large assessments.
Ashley’s legal and financial background is especially valuable in Fort Lauderdale, where condo due diligence can significantly impact long-term ownership costs.
Can I buy a home in South Florida as a foreign national?
Yes. South Florida welcomes international buyers, and the process is straightforward with the right guidance. Foreign buyers can secure financing, purchase through entities, and own rental or vacation properties. Ashley assists with entity structuring considerations, FIRPTA guidance coordination, and a cross-border strategy tailored to specific countries.
What’s the difference between oceanfront, intracoastal, and canal-front properties in Boca Raton?
- a. Oceanfront: Direct beach access, unobstructed views, highest pricing.
- b. Intracoastal: Preferred for boating enthusiasts; often deeper water access.
- c. Canal-front: Varies by depth and bridge clearance; some offer ocean access, others don’t.
Ashley helps buyers evaluate water depth, fixed bridges, wake zones, and seawall conditions to match the home to your boating needs.
Do all waterfront homes allow docks or boat lifts?
No. Dockage depends on waterway rights, setbacks, seawall condition, and municipal permitting. Ashley reviews property documents to confirm true dockage rights before you make an offer.
What is a 40-year or 50-year building inspection?
Counties require structural recertifications at certain intervals to ensure safety. Some older buildings underwent major assessments after Surfside-related reforms. Ashley helps buyers navigate these reports and their financial impact.
Do all Boca Raton country clubs require membership?
Most do, but membership levels and buy-in fees vary widely. Some communities require full golf memberships; others offer social-only options. Ashley helps buyers understand fees, lifestyle differences, and resale implications.
Should I hire a Realtor if I’m buying new construction?
Yes — developer contracts heavily favor the builder. Ashley’s unique attorney-level contract review is a major advantage in new construction transactions.
Is new construction more expensive in South Florida?
Generally yes, due to land scarcity and demand for modern hurricane-resistant builds. Ashley helps buyers evaluate whether premiums are justified based on market data.