Hi Roy, To answer you question regarding cost of property taxes in Sugarmill Woods and Beverly Hills you might want to utilize the Citrus County Property Appraisers website. Fourth from the bottom, on the left side of the page, you will see the Tax Est./Forms button. Click on it and follow the directions on the page to get an estimate of what your taxes would be. Keep in mind that this is only an estimate and, in my experience, it tends to be on the high side. If you plan to apply for a homestead exemption, you could see approximately a $400 reduction.
As far as homeowner's insurance, I suggest you contact an insurance broker or company in Citrus County, give them an idea of the type of home you are thinking of purchasing and the neighborhoods you are interested in and they should be able to quote you a rough estimate. You can try Brice Insurance Agency (352) 344-1277, Ed Buckley Insurance (352) 726-6000, or The Hagar Group (800) 952-4953.
Another thing to consider is if you are looking to spend $200,000 or less in Sugarmill Woods or Pine Ridge Estates, the home will be an older one. This will be important when seeking quotes from the insurance companies. I would be happy to assist you in your search for a home in your price range in your preferred neighborhood. Just shoot me an email with your "wish list" and we'll get started.