Also, be aware, if you live in a country club community or a community with a home owners association, those fees are mandatory as well
The Florida real estate market is a "blood bath" right now, you should be able to get some great deals.
There is a 61 month supply of inventory (most areas in the US average 9-12 months supply) so i would recommend waiting a few years, prices have to go down more to clear out alot of the homes on the market right now.
As for Property taxes, yes they are higher than in some states because we have no income tax here. Once you move here, however, and become a legal resident of Florida, your tax increases are capped. If you are a Florida resident and live here a minimum of 6 months and a day, you can still spend time in another state, but you won't owe income taxes there either. There are several other tax proposals that would change the heavy reliance on property taxes for public services. We have lived in several other states and overall, we don't pay higher taxes here than anyplace else we have lived.
Right now you could rent because there are a lot of available properties at attractive prices. Maybe that would be your best solution for a while. The downside to that approach though is that right now prices are very low, and you could buy something for a lot less money than a few years ago, just like most places.
What type of property are you looking for? You might be surprised at the affordable prices -- lower purchase price also affects the amount of tax you will pay. If you want me to send you some property listings, let me know by contacting me through the website listed below.
I think that the recent major drop in the stock market has a serious impact, because many of the retirees lost a lot of money and are now careful not to make new commitments for a second or third home.
The issue about the home insurance cost in Florida will not go away for the areas along the coast. They are however much better for newer homes or more to the interior of Florida. I personnally like the hilly area north of Orlando . On our website you can find information about that area.I work with some developers and will be happy to give information about those.