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Asked by B. Dellarose, Painesville, OH Mon Oct 1, 2012

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Maria Cipoll…, Agent, Coral Springs, FL
Tue Oct 2, 2012
It really depends on the building and the location of the condo. If a first floor unit give you privacy and you do not get much passing traffic from other residents, first floor have the advantage of easy access when it comes to groceries and furniture. Also depends in how high ceiling are in the unit. The only disadvantage that i see is a lack of a city view, normally you get a garden view. My recomendation is visit many building with condos in your price range and write the advantages and disadvantages, before you selected one.
No the insurance is the same price regardless of what floor is the unit in.

Best of Luck,

Maria Cipollone
2 votes
Kevin Yankow, Agent, Fort Myers, FL
Wed Oct 3, 2012
It all depends on the condo buildings flood elevation. Buildings near the coast are more susceptible to flooding. The condo fees include insurance claims and typically are uniform without regard to which floor you are on. I'll be happy to answer any more questions you might have. Just send me an email or call 239-206-3467.
0 votes
Marc Comisar, Agent, Bonita Springs, FL
Tue Oct 2, 2012
Depends on the buyer....upper floors with an elevator would avoid stairs as well. I own a first floor condo.....300 a year for flood insurance is what I pay. I have never had an issue before but it depends on where the unit is located. We can certainly help....where are you looking? Shoot me a private message.
0 votes
Rich Homer, Agent, NAPLES, FL
Tue Oct 2, 2012
There are many variables here depending on many different things. We would be happy to advise you a home search and you can contact us toll-free at 855.627.5376 or by email as well.
0 votes
LLoyd Nichols, Agent, Fort Myers, FL
Tue Oct 2, 2012
Bdellarose, corner units are often very popular as you will have extra windows and more light. As for the first floor vs. the rest: it is all going to be a question of how high the lanai is compare to the ground. You will do fine on the first floor if there is at least a step or 2 to avoid rain splashing on your lanai during the rainy season.This is of course if your must have include a lanai.
If there is an elevator that bis well placed then you may avoid steps. Its a question of preferences and how well sound proofed the floors and celings are. Some prefer to be on top for that reason and the view may be quite scenic from higher up. A townhouse or carriage home or attached villa may also be a good solution for you as they usualy have garages.
Its a case per case situation, being on the first floor in a traditional condo , with the right construction and foundation height can be very convienient but you would be advised to work with a Realtor who tells you objectively the pros and cons of being on such a floor.
and happy Hunting!

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0 votes
Ken Hoover, Agent, Bonita springs, FL
Tue Oct 2, 2012
Preference varies between upper and lower condo units. Many buyers want first floor to avoid stairs and to be able to walk out their lanai screen door. On the other hand, upper units tend to have better views and sometimes higher ceilings. In some cases where there are attached garages, the upper units are larger with a room over the garage.
Let me know if I can put my 20 years of experience to work for you,
Ken Hoover Coldwell Banker 239-776-1327
0 votes
Peggy Wagner-…, Agent, Bonita Springs, FL
Tue Oct 2, 2012
What floor is preferential all depends on your particular needs and desires. First floor seems to be preferred by an aging population and for those who desire to avoid the elevator and have more of a single family home feeling. The attached garage and sometimes a large outdoor patio are also pluses. If you're near the Gulf, then some people want higher floors for that gorgeous water view. It is simply a matter of taste and you are the only one that can decide which one that is for you!

As for flooding, again if it is direct beach front, I'd say yes you have a high probability, but if you're away from waterfront, you should have your REALTOR help you with whether or not it is in a flood zone. In addition, even if it's not, I advise purchasing flood insurance. It is fairly inexpensive and provides so much peace of mind. However, in a condo, I'm assuming this insurance would be covered by the association and you would be insuring interior walls and contents.
0 votes
Susan Callah…, Agent, Fort Myers Beach, FL
Tue Oct 2, 2012
If first floor units are your preference for the reasons you listed and that's fine.
Many buyers think that while steps aren't a problem now, they could be future as they age.
But condos with elevators aren't that concerning. Some people don't like the Idea of someone living above them and others don't want the foot traffic from the other owners.
But it's really dependent on the property, most two story condos offer higher ceilings on the second floor.(vaulted, cathedral) and appear more spacious.
In the high rises on the beach the higher floors offer the most unobstructed views and often command higher prices for higher floors. Many HOA's have shopping carts you can take from the car to the elevator right into your unit. But it all comes down to personal choice and the the Condo complex itself!

Look at different units in different complexes make your choice from there !
First floor units with attached garages is a very small market.

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0 votes
Mike Sullivan, Agent, Gainesville, FL
Tue Oct 2, 2012
This really gets to be a personal preference....factors to consider would be noise from the upper unit, the possibility of flooding in your unit from above (it does happen.....and more frequently than you might expect), security, and ease of access to the unit.

Hope this helps! Good luck with your purchase.
0 votes
Annette Law…, Agent, Palm Harbor, FL
Tue Oct 2, 2012
If you are wanting to avoid steps, first floor is the answer.
Since this is a subject of your concern, it is likely the condo does not have an elevator which means it is not a high rise. This really takes away any inherent value associated with a potential view from the one or two floors above. That leaves the choice completely personal.
Some like ground floor because they often have a patio allowing additional flexible space, pet exit and an option for that smoker. Some even allow the owner to plug in the 'George Foreman' and turn the patio into outdoor dining. Each property will have different rules.
Some believe ground floor to be a liability for security and privacy reasons. (Privacy and a condo are incompatible)
As others have noted, the flood insurance aspect will be reflected in the monthly maintenance fees shared by all owners, since they are paid by the association. You however, may want to consider content insurance. If your purchase is financed, your lender may REQUIRE you to have content insurance.
0 votes
Genevieve Ra…, Agent, Punta Gorda, FL
Tue Oct 2, 2012
Good answers below. However it boils down to your preferences and the Condo itself. flood Insurance is generally paid by the Condo Association,but depending on the elevation, you may want to get additional Insurance. If climbing is a concern, choose a building with elevators.
0 votes
Kevin Clouti…, Agent, Cape Coral, FL
Tue Oct 2, 2012
First floor usually requires flood insurance but may provide multiple entrances or exits directly outside the building. Tenants prefer first floor units.

Second floor may offer a lower insurance premium as it may be above flood plain, a better view and a better sense of security.

For Bonita Springs condos, try this link and click on condos under Bonita Springs. All MLS fed


Kevin Cloutier
Southern Premier Realty
Web Reference:
0 votes
Marcia Dorol…, Agent, Bonita Springs, FL
Tue Oct 2, 2012
There really isn't a preferred floor for a condo. It usually comes down to personal preference. Other factors to consider is your intended use for the condo, i.e. personal or as an investment property,

As far as flooding is concerned, a lot depends on the location of the community, when and how it was built in regards to the elevation etc. As you are probably aware, FEMA changed the flood zones a few years back. Many communities include flood insurance in their association fees. It would be something to look into as each community and their associations may be structured differently. Your content insurance may differ from first to second floor but that again would depend on what the association covers and what you as an individual would have covered.

Hope this helps. If there is a particular area or community you are interested in, I could research that and provide you with more accurate information.

Hope this helps!

Marcia Dorolek
SWFL Home Team
0 votes
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