Thinking about relocating to St. Augustine or Palm Coast? You’re not alone! Many are trading snow for sunshine and making the move to beautiful Northeast Florida. But before you pack your bags, let me help you prepare. I’ve helped countless clients make a smart, smooth transition to this area. Here are the top 10 questions I get from folks just like you—and the real answers you need to know.
1. Are Alligators a Real Concern in Neighborhoods?
Yes, but it’s not Jurassic Park! Alligators are native to Florida and love freshwater ponds, lakes, and canals. In communities like Grand Haven or Palm Coast Plantation, you may spot one near the water. They typically keep to themselves. Keep your distance (30 feet or more), never feed them, and contact Florida Fish and Wildlife if one gets too close.
2. What’s the Bug Situation Like, Really?
Florida’s warm, humid climate means bugs thrive year-round. Expect mosquitoes, gnats, palmetto bugs, and no-see-ums. Regular pest control and screened-in lanais help immensely. Pro tip: request tight mesh screens to block no-see-ums.
3. Do I Need Flood Insurance?
It depends on the property’s location. Coastal and low-lying areas may require it. Even in lower-risk zones, a policy under $1,000/year offers peace of mind. Ask your Realtor (that’s me!) to check your flood zone before purchasing.
4. What’s the Deal with Hurricane Season?
Hurricane season runs June through November. While St. Augustine isn’t hit as often as South Florida, preparation is key. Many newer homes have storm-ready features like hurricane clips and impact windows. Pair with a solid insurance policy and plan, and you’re set.
5. Should I Worry About Sinkholes?
Sinkholes are more common in Central Florida. In St. Augustine and Palm Coast, they’re rare. Still, a thorough home inspection is a smart move for peace of mind.
6. What About Termites and Wood-Destroying Pests?
Termites are active year-round in Florida. A WDO (Wood-Destroying Organism) inspection is part of the buying process. Some homes come with a termite bond—a treatment plan and warranty in one. If not, consider getting one.
7. Can I Swim in Lakes and Rivers?
Technically yes, but it’s not always advisable due to alligators and low visibility. Beaches and community pools are safer and more enjoyable options.
8. What Should I Know About Property Taxes?
Florida has no state income tax, but property taxes vary by area. The average rate is about 0.83% of the home’s assessed value—below the national average. Need a quick estimate? Reach out, and I’ll run the numbers.
9. Are There Special Things to Know About Waterfront Properties?
Waterfront living is stunning but comes with added costs. Think maintenance for salt exposure, higher insurance, and flood risks. Be prepared and budget accordingly.
10. What Are CDD Fees—and Why Are They on My Tax Bill?
CDD (Community Development District) fees fund community infrastructure like roads, parks, and pools. They’re part of your property tax bill and can last 20–30 years. They vary by community and are a long-term investment in your lifestyle.
Final Thoughts How many of these questions were on your mind? If you have more, send them my way. I love helping people make informed, confident moves to St. Augustine and Palm Coast.
If you’re ready to explore neighborhoods, schools, or get personalized relocation tips, check out my free relocation guide linked below.
St. Augustine RELOCATION GUIDE
Palm Coast RELOCATION GUIDE
Contact The Kim Devlin Team, one of the best realtors in St. Augustine, today to start your journey home.