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Forum » Is this a good and reasonable house for a FHB?
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Thread: Is this a good and reasonable house for a FHB?

post 1690113113 09-15-2023, 12:07 PM
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Is this a good and reasonable house for a FHB?

Title.

Some pics are below, but here's the stats...

House Stats
Located in Florida. 3bed/3bath, 2 stories, over 2.2k sqft, over 5k sqft lot size, built in 2019, fenced in yard, modern looking interior IMO. A little over $485k, ~$50/mo HOA. Last sold for about $300k in 2019. Located just outside a fairly major city in FL, and is about a 15 minutes drive from the nearest hot spot of commerce (grocery stores, mall, restaurants and bars, convenience stores, etc.). Mostly a younger area (30s or younger).

Visel Stats
Age is 28. Kidless. Unmarried but in a LTR (she wouldn't move in, at least at first, and definitely won't have any part in the buying/ownership). Won't have 20% down, but would have $70k down (plus $20k-25k extra for closing costs, inspection, furniture, moving, etc.), so would need PMI. Total monthly cost would be about $3500/mo (principal, interest, home insurance, PMI, taxes, HOA). I plan on grossing $160k+ this year, and maybe $170k+ next year. Keep in mind it's Florida, so income tax is 0%. Zero debts (own my car). Tired of being a rentcel, been a rentcel my entire adult life, lived in apartments ever since I was about 5 years old.

Now for the pics...

Spoiler!

















post 1690113553 09-15-2023, 12:15 PM
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Looks good to me brah
post 1690113613 09-15-2023, 12:16 PM
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Sure. Looks like a solid house you can grow into.
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post 1690113673 09-15-2023, 12:17 PM
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looks fantastic
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post 1690113743 09-15-2023, 12:19 PM
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HOA = cucked


Enjoy having to color match everything that faces the road. Nosy people on the strata getting random hard ons enforcing rules. Its almost as bad as being a rentcel.
post 1690113803 09-15-2023, 12:20 PM
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Originally Posted By AlwaysFocus⏩
HOA = cucked


Enjoy having to color match everything that faces the road. Nosy people on the strata getting random hard ons enforcing rules. Its almost as bad as being a rentcel.
Hopefully after 4 years (built in 2019) the house meets all the HOA requirements? IDK. Good point though. Most houses have HOA in these parts :/.
post 1690113833 09-15-2023, 12:21 PM
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, i personall avoid anything with hoa fees I feel like I'm being their bitch by having to pay a fee to live in my own property idk it doesn't feel right man
post 1690113853 09-15-2023, 12:22 PM
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Originally Posted By AlwaysFocus⏩
HOA = cucked


Enjoy having to color match everything that faces the road. Nosy people on the strata getting random hard ons enforcing rules. Its almost as bad as being a rentcel.
That's what I'm saying imagine being cucked to a housing association in your own property maybe I have Napoleon syndrome or something but I'd lose my **** if they started telling me what to do on my property
post 1690114253 09-15-2023, 12:28 PM
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Post deleted by user
post 1690114903 09-15-2023, 12:38 PM
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How close to the coast cause chits prob not gonna get insured
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post 1690115013 09-15-2023, 12:41 PM
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Building/architectural standards suck when you’re the one not complying but are good when you’re there and want the neighbourhood values to be maxxed
post 1690115073 09-15-2023, 12:42 PM
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Seems OK




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post 1690115103 09-15-2023, 12:42 PM
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walls look thin
post 1690115203 09-15-2023, 12:44 PM
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HOAs in florida have a lot of power as its written INTO THE CONSTITUTION OF FLORIDA.

The state is a retirement state for old people. Do you want to spend the rest of your life here with few peers? Communities are borderline hostile to young families.....
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post 1690115253 09-15-2023, 12:45 PM
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Originally Posted By Train57⏩
How close to the coast cause chits prob not gonna get insured
About 25 miles from the closest coastline, not on any of the major flood zones.

My dad lives like 10 miles from the coast, in the middle of a lower severity flood zone. He gets insurance.. but the rates are a little difficult for him.
post 1690119933 09-15-2023, 02:00 PM
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Sounds like New Tampa
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post 1690120513 09-15-2023, 02:08 PM
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Originally Posted By PShift5⏩
i personall avoid anything with hoa fees I feel like I'm being their bitch by having to pay a fee to live in my own property idk it doesn't feel right man
but who was property tax?
post 1690120683 09-15-2023, 02:12 PM
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Originally Posted By AlwaysFocus⏩
HOA = cucked


Enjoy having to color match everything that faces the road. Nosy people on the strata getting random hard ons enforcing rules. Its almost as bad as being a rentcel.
Mixed feelings on this. My subdivision is fulled of beautifully manicured lawns. Just so happens that the neighbors directly across from us and their neighbor to the right don't **** all.

Their properties look like unkempt rentals.

That said I'd probably still go without an HOA.

Looks good, though, op.
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post 1690120703 09-15-2023, 02:13 PM
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Don't buy a house with HOA brah they'll keep raising the price too
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post 1690123403 09-15-2023, 03:03 PM
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Originally Posted By Visel⏩
About 25 miles from the closest coastline, not on any of the major flood zones.

My dad lives like 10 miles from the coast, in the middle of a lower severity flood zone. He gets insurance.. but the rates are a little difficult for him.
not too bad then, id wait for the price to drop cause over 300k for a house in fl thats not in a hotspot is nuts
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post 1690138293 09-15-2023, 08:15 PM
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Originally Posted By Train57⏩
not too bad then, id wait for the price to drop cause over 300k for a house in fl thats not in a hotspot is nuts
I hope it gets cheap enough!

I've already found one "better" (built same year, also 2 stories, slightly bigger, 4 bedrooms, also has fenced in yard, better location by a little bit, even cheaper HOA), but it's still $465k.
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