Short Answer
First-time Keys buyers commonly underestimate insurance costs, skip marine inspections, fail to verify ROGO status, overlook seawall condition, and assume waterfront equals deep-water access. The learning curve in the Keys is steep, and these mistakes can cost tens of thousands of dollars.
First-time Keys buyers commonly underestimate insurance costs, skip marine inspections, fail to verify ROGO status, overlook seawall condition, and assume waterfront equals deep-water access. The learning curve in the Keys is steep, and these mistakes can cost tens of thousands of dollars.
If you have a specific situation or property in mind, I encourage you to reach out directly. Every real estate transaction in the Florida Keys has unique factors, and a conversation is the best way to get the precise guidance you need. My team and I are here to help you navigate the process with confidence.
Text me at (305) 393-5859 or send a message through the contact page and I will get back to you personally.
Steve's Advice
Steve Conley
Principal, Conley Sales Group at COMPASS
The biggest mistake I see first-time buyers make is treating a Keys home purchase like a mainland purchase. In the Keys, you need to think about elevation, ROGO, flood zones, and seawall condition in addition to the normal considerations. I walk every first-time buyer through a Keys-specific checklist before we start looking. The education upfront saves costly surprises later. And please, do not skip the marine inspection -- that is the one expense that pays for itself.
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Whether you are buying, selling, or just exploring the Florida Keys, Steve is here to help.