Jurisdiction and location
Confirm city or county jurisdiction, island or mainland position, neighborhood, daily routes, beach access and realistic walking or biking options.
Flood and evacuation
Review current maps, elevation, drainage, evacuation level, water history, route and insurance. Do not rely on a listing’s flood-zone shorthand.
Insurance
Obtain homeowners, wind, flood and condo-unit proposals early using accurate roof, opening-protection, building and claims information.
Association and ownership
Review budgets, reserves, inspections, assessments, insurance, minutes, rules, membership, land ownership and every recurring obligation.
Utilities and property systems
Confirm the utility provider and connections or inspect any well, septic and treatment equipment. Identify unpaid charges or future obligations.
Permits and storm history
Review permits, claims, repairs, warranties, liens and code issues for roofs, windows, additions, pools, seawalls, docks and renovations.
Home or building inspection
Inspect roof, HVAC, plumbing, electrical, windows, moisture, structure, storm protection, appliances, pool and building common elements.
Complete cost and resale
Calculate taxes after reassessment, insurance, fees, maintenance and reserves, then compare competing homes and future buyer objections.