r/FloridaRealEstate

I’ve been doing a deep dive into Orlando’s housing market using data analysis.
▲ 314 r/FloridaRealEstate+1 crossposts

I’ve been doing a deep dive into Orlando’s housing market using data analysis.

I don’t know what I expected to find, other than what most people my age and below already know. It’s insanely overpriced right now.

Having said that, I did find some pretty crazy things I didn’t expect. For instance, when comparing average mortgage rates and average monthly mortgage payments between 2005 and 2025, payments went up (following 2-4 years) when rates were at their lowest. The inverse was true as well. When rates were the highest, there was a years long run of monthly payments dropping. The data appears to show that monthly payment increases are far more dependent on external factors outside of rates. Mainly competition that’s driving prices up.

I also did a deep dive into the median cost of a home. It does show that home prices have weakened the last two years, but not substantially (about 5% city wide). The craziest thing I found in this was the increases. The increase in home value between 2020 and 2023 was 140k. To put that into context, that increase was enough to buy a median home between 2010-2013.

Anyways, sorry for the rant. I don’t have anyone to share this with and wanted to talk about it as someone who was lucky enough to buy a home early. If you still dream of buying in the Orlando area, it does seem like it’s turning in buyers favor. Time will tell I guess.

**Edit** I wanted to check with the mods before I posted to make sure I wasnt breaking any rules. The PDF copy of the data analysis can be downloaded completely free from my Substack here if anyone is interested: https://billiegrimes.substack.com/p/orlando-real-estate-market-data-home?r=8bwgn8

**Last Edit (hopefully!)** You guys have been awesome. If I’m being honest, I was a bit nervous to post this and put it out there. Thank you for the wonderful conversations and feedback. I also got an award, so thank you for that as well my fellow Orlandian!

u/ChallengeAcceptedBro — 4 days ago

Considering obtaining a CAM license in FL

Hello,

I am considering becoming a licensed CAM (community association manager) in south FL. I have a background in project and operations management and have been considering making a career change into the property management field. For those who are from and work in that region, is it a good investment and field to get into? What are some pros and cons to the job? Any feedback would be appreciated.

reddit.com
u/RaccoonIllustrious16 — 3 days ago
▲ 0 r/FloridaRealEstate+1 crossposts

Best Florida Areas for a Quiet Girl in Her 20s?

New grad from Cornell starting a fully remote tech sales job — thinking about moving to Florida. What town/city would fit me best?

A little about me:

  • Grandma personality: I like peace, quiet, and no clubbing/nightlife scene
  • Good restaurants is a must: especially Asian + Italian food
  • Big fan of group workout classes (Pilates, yoga, fitness studios, etc.)
  • Safety is really important to me — ideally gated communities or nice apartment complexes
  • Single, would love to meet mature/stable men around late 20s–30s
  • Want somewhere with a decent social scene but not chaotic
  • Prefer cost of living that isn’t insanely high

Right now I’m considering places like Tampa, Naples, Boca? Open to suggestions from people who actually live there 👀

reddit.com
u/roseessa — 4 days ago

Trying to get more eyes on my mom's 2/2 condo (Sarasota - Gulf Gate area)

Hi - We have this listed with a realtor for almost a year but there has been very little activity. Yes, it is a condo, but it is NOT a high rise! I realize condos are still tricky, but it is well located, not in a flood zone, second (top) floor with vaulted ceilings and skylights, covered parking. New HVAC, new windows, new water heater - all in the past few years. It is a bit outdated so it could use some cosmetic upgrades.

My parents have lived in this condo since moving to Florida in 1994, initially as renters before buying it a handful of years ago. They have cared for this place as though it was theirs even while renting. It's part of the reason the former owner sold to them.

Here's an important note (please be kind) - they were both smokers and smoked in the condo. My dad passed a few years ago but there's no getting around that this will need to be mitigated by the buyer. There's no point in us doing it now since my mom is still living there and still smoking. I KNOW this is not good but it is the circumstances we are dealing with.

The thing is, there have hardly been any showings so it isn't like people have seen it and elected not to make an offer because of the smoking issue. We are not overpriced compared to other units on the market in and near her complex, and we've done two price reductions since listing it. To be fair, it isn't just her unit that isn't moving; none of the ones listed in her complex are selling.

She is on a fixed income and we really need to sell this as the association dues are taking a lot of her already strained income. We've received some bullshit offers from "investors" that want to pay her a nominal amount up front and then monthly, which we obviously dismissed out of hand.

Any KIND input/ideas would be appreciated.

ETA: wanted to thank those that took the time to give constructive responses. I appreciate the feedback from most (certainly not all) of you.

Also the downvotes are ridiculous. Grow up.

https://www.zillow.com/homedetails/7214-Cloister-Dr-7214-Sarasota-FL-34231/47524780\_zpid/?utm\_campaign=iosappmessage&utm\_medium=referral&utm\_source=txtshare

reddit.com
u/Infamous-Bag6957 — 7 days ago
▲ 2 r/FloridaRealEstate+1 crossposts

Requirement

What do I need in order to have my listing agreement listed on stellar MLS. I already have everything signed what else do I need?
I’m waiting on my broker but they’re taking forever.

reddit.com
u/Superb_Jackfruit_250 — 7 days ago

New to Florida Real Estate — Excited to Learn and Connect

Hello everyone! 👋

My name is Raphaela, and I’m currently finishing my real estate course here in Orlando to obtain my Florida real estate license.

I’m originally from Brazil and have a strong background in marketing and sales. I’m very excited to begin my journey in the U.S. real estate market and help both local and international clients invest in properties across Florida.

I truly believe the Florida real estate market offers incredible opportunities for wealth building, rental income, and long-term investment.

For those already working in real estate or investing in Florida:

What are your thoughts on the market right now?
Do you believe this is a good time to start as a new agent?
What advice would you give to someone entering the industry?

I’d love to connect, learn from your experiences, and exchange insights with professionals and investors in this community.

Looking forward to meeting you all and growing together in the Florida real estate market! 🏡🇺🇸

u/Buldora — 8 days ago

West palm beach

Looking to buy a property in west palm beach looking to connect with brokers or anyone who specializes in the area

Specifically an investment property that would be used as a str

reddit.com
u/mopsicles — 8 days ago

Highland Grove Estates Townhouse — $710K | Delray Beach

“Hidden gem” gets overused in real estate… but this actually fits it.

Highland Grove Estates is a tiny gated community in Delray Beach with only ~13 townhomes total, oversized layouts, 2-car garages, and a location that puts you close to Atlantic Ave without being in the middle of the chaos.

This one just dropped to $710K:

• 3BR + office/den

• 2.5 bath

• 2,500+ sqft

• updated kitchen + renovated primary bath

• new roof + newer AC/water heater

• private patio + balcony

• impact windows/doors

• gated community pool

• about 3 miles to downtown Delray + the beach

Honestly feels more like a single-family house than a typical townhouse.

Not for someone looking for “walk to Atlantic Ave” pricing at $1.5M+, but for buyers wanting:

* space

* privacy

* low-maintenance living

* and a central Delray location

…it’s worth a look.

Would you rather have this type of tucked-away gated setup… or be east closer to downtown with less space?

racheldelray.com
u/Rachel-Delray — 9 days ago

Orlando/Central Florida lenders for 1099 earners?

My lease is ending in August and I'm starting to panic about finding a place in Orlando or maybe closer to Davenport. I work freelance so my income looks "unstable" to every big bank I've called so far. One lender told me I needed three years of tax returns even though my credit score is 735. I just want a rough idea of what I can afford without them trashing my credit score with a hard pull just to tell me no.

Is there a specific broker in Florida that moves faster? I'm tired of filling out these massive pdf forms and waiting five days for a "maybe" phone call. I'm looking at stuff around the $420k range but I don't even know if that's realistic with current rates.

Edit: I've been browsing reddit and the internet a little too much tonight trying to find a way around the bank stuff. I found the site Mortgage Quote and it looks like they do the estimate without the hard pull. I think I'll try it.

reddit.com
u/7measuredreply — 11 days ago
▲ 1 r/FloridaRealEstate+1 crossposts

Where can I find a Live/Work in Florida?

Hello everyone!

I am thinking about moving from San Francisco to Florida. I work in finance and would like to rent a house or apartment in Florida and use it both as my office and as my living space.

In San Francisco, there were very strict restrictions on living in commercial spaces and working in residential homes (unless zoning allowed it and you didn’t have in-person clients or employees, etc.).

I was wondering how things work in Florida. Do cities like Miami enforce restrictions on living and working in the same space? Are there any specific areas, like SoMa in San Francisco, with lofts specifically designed for this type of live/work setup?

Or, if I rent a regular house or apartment in the city, can I use the address to register a company and occasionally meet with clients or have a few employees there?

P.S. The business I’m looking to operate is a financial advisory firm.

P.S. 2: In almost all California lease agreements, there is usually a standard clause stating: “This apartment/house is rented for residential use only, and tenants are not allowed to conduct any business activities on the premises.”

Is there a similar standard clause in Florida lease agreements as well?

reddit.com
u/CourtZealousideal703 — 14 days ago
▲ 8 r/FloridaRealEstate+2 crossposts

First time home buyer searching on Treasure Coast

Hello! My partner and I currently live just south of Jax and are looking to buy our first home along the Treasure Coast. Both of us work in agricultural fields so we're not exactly sitting with a lot of wealth, but we have some savings to start with. What we're looking for is someone to help guide us to get started on first-time-buyer/aquaculture/agricultural assistance programs, grants, etc. We will be running a home business requiring access to saltwater via well, or close enough to water to plumb it in by other means. Looking for properties on 1/4 to 1/2 acre outside of any HOA.

If there are any TC realtors out there who are well-versed in this and want to help us get started, send me a DM! Thanks!

reddit.com
u/Responsible-Ear-5159 — 11 days ago
▲ 4 r/FloridaRealEstate+1 crossposts

Florida roof age rules in 2026: what's actually a deal breaker now and what isn't

There's a lot of bad info floating around about roofs and Florida insurance and lots has changed. Quick reality check based on current law and how carriers are actually underwriting in 2026.

The legal floor

If your roof is less than 15 years old, an insurer cannot non-renew or refuse to write you solely because of roof age. That's Florida Statute 627.7011. It does not protect you from non-renewal for other reasons (claims history, roof condition, etc.).

What Citizens requires

Citizens requires a 4-point inspection for properties over 20 years old. For roofs specifically, the rule is: shingle and other "soft" roofs over 25 years need documentation showing at least 5 years of remaining useful life. Tile, slate, clay, concrete, and metal roofs hit the same threshold at 50 years.

What private carriers are doing in 2026

This is where the news is actually positive. Per 2026 carrier guidance:

Some carriers have pushed their 4-point requirement from 20 years up to 25 or 30. Older roofs are increasingly being accepted with an Actual Cash Value (ACV) roof endorsement instead of replacement cost. A few will write older roofs with limited water coverage exclusions or with a designated roof deductible. Translation: more options than there were a year ago.

Practical takeaway

A 16 or 17 year old shingle roof is no longer an automatic dead end. A 25+ year old shingle roof is harder but not impossible. If a carrier tells you "we won't write you," it's worth checking with an independent agent who can shop multiple carriers and see who's softened guidelines lately.

What's everyone seeing at renewal? Any carriers surprise you (good or bad) on roof rules in 2026? We are seeing the roof topic slowly moving further down the list of questions to ask first. Although it should be pointed out that many carrier have included the age of the roof as a heavy rating factor that still drives price.

u/GreeneAssocIns — 13 days ago