News & Updates

Florida’s Save Our Homes Cap: Plain-English Guide for Staying, Downsizing, Renting, or Inheriting in Sarasota–Manatee

Derrick Davis

Published on: 22/10/2026

Florida’s Save Our Homes cap limits annual property tax increases to 3% or CPI, protecting homestead exemptions. Portability allows tax benefits transfer when downsizing or relocating. Renting or inheriting affects exemptions and taxes.

Save Our Homes cap FloridaFlorida homestead exemptionhomestead portability FloridaSarasota property taxesManatee property taxesFlorida assessed value cap 3%CPI cap Florida homesteadFlorida property tax portability deadlinetransfer of homestead assessment differenceFlorida non-homestead 10% capdownsizing and Save Our Homesrenting out homestead Florida taxesinherited homestead FloridaSarasota County Property AppraiserManatee County Property Appraiserproperty tax assessment cap Floridahome equity and carrying costsFlorida portability up to $500,000

Florida Home Insurance: A Calm Checklist for Sarasota–Manatee Homeowners

Derrick Davis

Published on: 15/10/2026

Florida home insurance for Sarasota–Manatee homeowners often has gaps in hurricane deductibles, flood coverage, and liability limits. Key tips: review policies, consider flood insurance, maintain roofs, get 4-point inspections, and understand costs.

Florida home insurance coverageSarasota homeowners insuranceManatee County home insurancehurricane deductible Floridawind mitigation credits Floridaroof age insurance Floridareplacement cost vs ACV home insuranceordinance or law coverage Floridaflood insurance vs homeowners FloridaCitizens Insurance eligibility basics4-point inspection Floridawater damage coverage Floridaliability coverage Florida homepersonal property coverage Floridainsurance carrying costs Floridahome insurance review checklistaging in place Florida insurance considerationslandlord insurance Florida Sarasota

Selling a Sarasota–Manatee Home That Needs Repairs: Fix, Credit, or Sell As‑Is? A Clear, Numbers‑First Guide

Derrick Davis

Published on: 08/10/2026

This guide helps Sarasota–Manatee homeowners decide whether to repair, offer credits, or sell as-is by analyzing repair costs, buyer financing, insurance impacts, and carrying costs to optimize sale outcomes.

sell house that needs repairssell as‑is Sarasotasell as‑is BradentonManatee County home needs repairsFlorida 4‑point inspectionroof age insurance Floridacash buyer vs financed buyerrepair credits vs doing repairspre‑listing inspection SarasotaFHA VA repair requirements Floridaas‑is contract Floridaseller concessions Floridapolybutylene plumbing Floridacast iron pipes Florida homeswind mitigation Floridacost to hold during repairscarrying costs taxes insurance utilitiesroof replacement cost Sarasotainspection issues Florida saleestate home sell as‑is Florida

Stay, Simplify, Repair, or Sell? A Sarasota–Manatee Homeowner’s Decision Guide

Derrick Davis

Published on: 28/09/2026

This guide helps Sarasota–Manatee homeowners assess repair needs, insurance, taxes, and costs to decide whether to stay, simplify, repair, or sell, emphasizing financial planning and hurricane preparedness.

Sarasota homeowner decision guideManatee County homeownersstay or sell Sarasotasimplify home Sarasotarepair vs sell Florida homeFlorida home insurance costsSarasota property taxesManatee property taxesroof age Florida guidelinesHVAC replacement Floridacarrying costs Florida homeequity vs carrying costaging in place Sarasotadownsizing Sarasotaright-sizing Sarasota Manateecondo assessments Sarasotapool maintenance cost Floridahurricane preparation home checklistinherited property Sarasota Manateeadult children helping parents homesell as-is Sarasota Manateerenting a Sarasota homeProperty Decision Review SarasotaHome Transition Check