Here is a web site that will give you some information on moving to Florida: http://www.stateofflorida.com/Portal/DesktopDefault.aspx?tabid=40
For homeowner insurance you can go to http://www.floodsmart.gov
and type in the address of the home you are interested in. It will give you the flood rating, insurance estimates and insurance companies to contact. Homeowner insurance rates vary quite a bit based on location, size of home, age of home, structure of home, etc.
Lawn maintenance is only the cost of gas to mow if you do it yourself. If you are looking for someone to do it for you then rates vary for that as well. You can pay per time or pay for the year or by the month. It can range anywhere from $15-$20 per time and up.
Property management. You can go to http://www.rentmeflorida.com.
They are located in Englewood. They offer different property management options, again the prices vary according to what you want them to do for you.
Another expense would be pest control. That can vary depending on what you get. You can have your lawn done or just your home. They have quarterly plans or you can do it yourself. Most people use a pest control company but others buy the pesticides at Home Depot or Lowes ad do it themselves. You would want to have general pest control as well as termite protection. We use Truly Nolen. http://www.trulynolen.com/
Other expenses - Florida Power and Light - http://www.fpl.com
Cable, Internet, Telephone, Utilities, taxes, vehicle registration
Charlotte County Government web site: http://www.charlottecountyfl.com/
If I can answer any other specific questions, please contact me. I can set you up to receive listings from the MLS if you would like.
Tammy Hayes, Realtor
Green Lion Realty, Port Charlotte, FL