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Thread: Thinking abt saving up $25k to put down on a beach front condo in FL

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08-12-2024, 09:07 PM
#31
Originally Posted By Shysty021⏩
Yea I just looked up the one OP sent it was 700 month HOA fees

Thats not even including the mortgage wtf

Might as well buy a $400k house 15 mins from the beach…same monthly payments then
huh

i didnt send anything or post it here

but while we're at it
https://www.zillow.com/homedetails/2...48008546_zpid/

$199k, $20k down comes out to $1,911 all in with the HOA/ins/everything.

a $400k house would be $2,560 plus all the costs of upkeep (mx, yard work, trees, siding, etc) and still be 15min from beach

rather have me a 700sqft beachfront condo w/only the inside to worry about.

plus that bish would get rented out constantly.
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08-12-2024, 09:09 PM
#32
Originally Posted By friesbruh⏩
huh

i didnt send anything or post it here

but while we're at it
https://www.zillow.com/homedetails/2...48008546_zpid/

$199k, $20k down comes out to $1,911 all in with the HOA/ins/everything.

a $400k house would be $2,560 plus all the costs of upkeep (mx, yard work, trees, siding, etc) and still be 15min from beach

rather have me a 700sqft beachfront condo w/only the inside to worry about.

plus that bish would get rented out constantly.
whats the point of the HOA? do they mow your sand?
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08-12-2024, 09:13 PM
#33
Originally Posted By MiscMathematician⏩
whats the point of the HOA? do they mow your sand?
in a condo? upkeep of all shared spaces, roof, parking lot, common areas, and so on.
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08-12-2024, 09:22 PM
#34
Originally Posted By friesbruh⏩
in a condo? upkeep of all shared spaces, roof, parking lot, common areas, and so on.
honestly i dont know much about condos. it's almost like they start HOAs just to force everyone to rent even when they own
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08-12-2024, 10:01 PM
#35
There's some benefit to condo HOAs. They cover your roof, which is well into five digits if it ever goes bad. And because you technically don't own anything besides the four walls you live in, you can get a break on insurance compared to SFHs.

But $1000/mo… ho lee fukking chit.
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08-12-2024, 10:08 PM
#36
Originally Posted By friesbruh⏩
but while we're at it
https://www.zillow.com/homedetails/2...48008546_zpid/
"Built in 1964"

Inb4 special adjustment.
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08-12-2024, 10:09 PM
#37
Make sure you understand HOA fees, assessments, and insurance on condos. Remember that HOA isn't a fixed fee, if the building needs a million in repairs or updates you might need to cough up 70k without much warning. Also not all condos allow rentals or have some rules like needing to live there for a year before renting it out. And then only 1 renter per year (this is a pretty common practice to prevent air b&b). There is a bunch of bs rules with Florida HOAs. Also good to talk to some of the building residents about how the condo management is. A bad HOA board can be a nightmare and literally affect resale value. They can make it nearly impossible to show the house or get a moving truck in and out. Or even get your ac repaired unless you go through "their guy" and get charged 5x. Seriously, some hoa people are straight up Nazis who get off on power and corrupt as hell.

It's a good life though, Miami beach.

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08-12-2024, 11:28 PM
#38
Originally Posted By bsrkoacar2⏩
Make sure you understand HOA fees, assessments, and insurance on condos. Remember that HOA isn't a fixed fee, if the building needs a million in repairs or updates you might need to cough up 70k without much warning. Also not all condos allow rentals or have some rules like needing to live there for a year before renting it out. And then only 1 renter per year (this is a pretty common practice to prevent air b&b). There is a bunch of bs rules with Florida HOAs. Also good to talk to some of the building residents about how the condo management is. A bad HOA board can be a nightmare and literally affect resale value. They can make it nearly impossible to show the house or get a moving truck in and out. Or even get your ac repaired unless you go through "their guy" and get charged 5x. Seriously, some hoa people are straight up Nazis who get off on power and corrupt as hell.

It's a good life though, Miami beach.

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im only looking at condo's that specifically allow for STR's altho fuk airbnb, im about to have my own direct booking site for my current STR

70k would fukkn suuuuck tho

i dont mind HOA's when it comes to condo's or townhomes since theyre a necessary evil but when it comes to SFH…. naw…. not ever again.
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08-13-2024, 08:51 AM
#39
Originally Posted By Shysty021⏩
Yea I just looked up the one OP sent it was 700 month HOA fees

Thats not even including the mortgage wtf

Might as well buy a $400k house 15 mins from the beach…same monthly payments then
Originally Posted By MiscMathematician⏩
whats the point of the HOA? do they mow your sand?
Maintaining a large building is expensive. The HOA maintains the roof, elevators, common areas, swimming pool, gym (if there is a gym), parking area, gates/security, etc.

Another massive consideration is private beach access from your condo. Sure there isn't any difference between your private beach access and public beach access. Except guaranteed parking & private bathrooms at your condo building near the pool. If you want those amenities, as well as being able to look out your balcony and see the ocean. You've got to pay for them.



I go to Florida at least once a year. Every single year. I've stayed in hotels. VRBO homes near the beach. And VRBO condo's on the beach. IMO the only way to go for vacationing is a high rise condo on the beach. Breakfast every morning on your patio over-looking the ocean. Bending your woman over the balcony railing and pounding her in the moonlight. Etc. Its just a way better experience.



If you need the space of a home you might as well go home not on the beach. But if you just want a second place to vacation nd to VRBO out a condo would be nice.
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08-21-2024, 01:42 AM
#40
Originally Posted By bsrkoacar2⏩
Make sure you understand HOA fees, assessments, and insurance on condos. Remember that HOA isn't a fixed fee, if the building needs a million in repairs or updates you might need to cough up 70k without much warning. Also not all condos allow rentals or have some rules like needing to live there for a year before renting it out. And then only 1 renter per year (this is a pretty common practice to prevent air b&b). There is a bunch of bs rules with Florida HOAs. Also good to talk to some of the building residents about how the condo management is. A bad HOA board can be a nightmare and literally affect resale value. They can make it nearly impossible to show the house or get a moving truck in and out. Or even get your ac repaired unless you go through "their guy" and get charged 5x. Seriously, some hoa people are straight up Nazis who get off on power and corrupt as hell.

It's a good life though, Miami beach.

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08-21-2024, 02:14 AM
#41
Good luck if you buy. Hope it works out well.

I live along a beach in a house in Florida. No association fees for me. Humorously, the association paid me to leave. My property taxes here are close to the same as what i was paying when I lived in a modest condo in high tax, high crime, lousy weather blue Illinois.
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08-21-2024, 03:42 AM
#42
You can do a welfare check on Gordon while you’re there.
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