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above flood Flood Zones & Elevation Certificates: What Every Florida Keys Buyer Should Know Buying a home in the Florida Keys often means sunshine, ocean breezes, and dreams of living by the water. But along with all that paradise comes something buyers need to keep in mind—flood zones and elevation certificates. These two things can make a big difference in how much your home will actually cost you each […]
below flood Understanding Some Tricky Real Estate Terms in the Florida Keys Buying or selling a home in the Florida Keys comes with its own language. Locals and real estate pros throw around terms like “below flood,” “pre-FIRM,” and “legal non-conforming” like everyone knows what they mean — but let’s be honest, they can be confusing if you’re not in the business. So let’s break them down […]
American Dream 5 Essential Tips for Buying Property in the Florida Keys Buying property in the Florida Keys is a dream for many. Between the turquoise water, laid-back lifestyle, and year-round sunshine, it’s easy to see why. But before you jump into the island market, there are some important things to keep in mind. As a longtime Realtor and Keys resident, I’ve helped buyers navigate the ins […]
buying advice Florida Real Estate and Rising Insurance Costs: What Homeowners Need to Know Home insurance costs in Florida are skyrocketing, creating major challenges for homeowners and buyers alike. As insurance rates climb, they impact affordability, property values, and the overall housing market. Why Are Insurance Rates So High? Florida homeowners now pay an average of $5,531 per year for $300,000 in dwelling coverage—142% higher than the national average. […]
above flood Understanding “Above Flood” vs. “Below Flood” Homes in the Florida Keys When buying or selling a home in the Florida Keys, one of the most significant factors to consider is whether a property is “above flood” or “below flood.” This distinction doesn’t just impact the structure of the home—it also plays a crucial role in determining insurance costs and resale value. What Does “Above Flood” and […]
Biggert-Waters Flood Insurance – What you need to know before you purchase There’s been a lot of talk about flood insurance rates here in Monroe County, and for good reason.  On July 6, 2012, the Biggert-Waters Flood Insurance Reform Act of 2012 was signed into law. While the good news is the reauthorizing of the National Flood Insurance Program (NFIP) through September 30, 2017, the bill brings […]
Biggert-Waters Flood Insurance – What you need to know before you purchase There’s been a lot of talk about flood insurance rates here in Monroe County, and for good reason.  On July 6, 2012, the Biggert-Waters Flood Insurance Reform Act of 2012 was signed into law. While the good news is the reauthorizing of the National Flood Insurance Program (NFIP) through September 30, 2017, the bill brings […]
above flood Below Flood . . . Above Flood . . . What does it mean? If you’re a buyer looking at property in the Florida Keys, chances are you’ve heard the terms “below flood” and “above flood”, usually in regards to an enclosed area below the main living level of a home. The terms are in reference to what floodplain the home is built in. Each area of the Keys […]
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above flood Below Flood . . . Above Flood . . . What does it mean? If you’re a buyer looking at property in the Florida Keys, chances are you’ve heard the terms “below flood” and “above flood”, usually in regards to an enclosed area below the main living level of a home. The terms are in reference to what floodplain the home is built in. Each area of the Keys […]
fema STATUS OF KEY DEER CASE By Jim Lupino, Esq. and Russell Yagel, Esq. In a sentence, the case is status quo. Not any different than 10 months ago and not any better. As you will recall, Federal Court Judge Michael Moore entered orders in 2005 which resulted in approximately 40,000 properties in Monroe County being restricted from National Flood Insurance […]
fema STATUS OF KEY DEER CASE By Jim Lupino, Esq. and Russell Yagel, Esq. In a sentence, the case is status quo. Not any different than 10 months ago and not any better. As you will recall, Federal Court Judge Michael Moore entered orders in 2005 which resulted in approximately 40,000 properties in Monroe County being restricted from National Flood Insurance […]
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