Are you someone who’s says, “We’re not ready to retire yet, but I’d love to have a place in Florida someday”?
If that sounds like you, you’re not alone—and you’re in the right place.
I help busy professionals just like you make intentional, stress-free moves—even while working full time. If you’ve been dreaming about that sunny retirement lifestyle but aren’t ready to take the full leap, buying a second home before retirement might just be the smartest step you can take.
Why Wait for Retirement?
The Case for Buying While You’re Still Working
Let’s be honest—life doesn’t magically slow down once you start thinking about retirement.
You might have:
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Kids in college
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Aging parents who need support
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A career that’s still in full swing
Waiting for the “perfect time” to move to St. Augustine Florida often means missing out entirely.
Meanwhile, real estate prices, insurance premiums, and market trends are shifting. If you’re thinking long-term, planning a Florida move now gives you a major advantage.
This isn’t about rushing. It’s about creating options and building a foothold in the place you’ll want to spend more time later.
What Does a “Smart Step” Look Like?
Imagine this:
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You buy a low-maintenance condo or patio home in a community near St. Augustine or Palm Coast.
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You use it as a seasonal getaway—or even just a weekend retreat.
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You rent it out when you’re not here to help offset costs.
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You start learning the area, finding your favorite beach, coffee shop, yoga studio.
This is relocating to Florida while working—on your terms. It’s not a leap, it’s a low-stakes launch into your future lifestyle.
And if it turns out this isn’t your forever spot? That’s okay. You’ll be in a better position, with more clarity and more equity.
What to Look for in a Second Home
Here’s how I guide my clients looking for that perfect in-between place:
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Easy upkeep: Condos, villas, or patio homes with lawn care included.
There are condos in St. Augustine with lower HOA fees, even under $250K! -
Location by interest: Beach access, golf, historic downtown, or nature trails.
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Rental potential: Short-term or long-term depending on your plans.
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Proximity to essentials: Airports, healthcare, shopping, and walkability.
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Community fit: Maybe a 55+ neighborhood or a quiet coastal street.
This is a key St. Augustine relocation tip: choose a place that gives you flexibility, not pressure.
“But What If…” – Common Hesitations I Hear
You’re not alone in wondering if this move makes sense. Here are the top concerns:
“We’re not ready to retire yet.”
Perfect. This isn’t retirement—it’s preparation.
“What if we change our minds?”
That’s why we look at smart, re-sellable areas with strong Florida real estate relocation demand.
“I’m worried about hidden costs.”
Good! I walk clients through insurance, flood zones, HOA/CDD fees, and more—before they ever make an offer.
A Real Story from the Field
A recent couple visited St. Augustine for the first time. Their plan? Buy at the end of the year.
But after exploring communities and walking through a few homes, they found one they loved—now.
Instead of pushing them to buy, I helped them ask tough questions, sleep on it, and ultimately… they chose to wait. That was the right move for them.
That’s what real estate should be about—supporting your timeline and goals, not someone else’s urgency.
The Bottom Line: Plan Now, Flex Later
If you’re a working professional dreaming of relocating to Florida, this strategy lets you:
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Dip your toes into Florida living
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Start building local connections
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Learn the area on your terms
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Create options for your future
This isn’t about buying your final home. It’s about how to move to Florida with a full-time job—without the overwhelm.
Ready to Take the First Step?
You don’t have to move tomorrow—but you can start planning today.
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📞 Schedule a no-pressure call to explore neighborhoods, timelines, and financial strategies
Whether you’re just starting to dream or getting serious, I’m here to help you move forward—on your terms.