Guide
Buying a home on the Nature Coast
What to check here that buyers elsewhere can skip.
The Nature Coast checklist
- Flood zone first. Look up the parcel on the FEMA Flood Map Service Center and ask for an elevation certificate if one exists. If you're in a Special Flood Hazard Area with a federally backed mortgage, flood insurance is required (Citrus County).
- Get insurance quotes before your offer. Most homeowners policies don't cover flood. NFIP policies have a 30-day waiting period, and Citrus County's CRS participation discounts NFIP premiums.
- Roof age and type. Roof condition affects insurability. See Roofs & hurricane prep.
- Well, septic, and utilities. Some parcels use a private well and septic rather than public water and sewer. Confirm what serves the property and inspect it.
- Taxes and homestead. Check current taxes and exemptions with the Citrus County Property Appraiser.
- Check the license of anyone you hire. Look up contractors with Florida DBPR.
New construction or resale?
New homes are built to the current Florida Building Code and come with a builder warranty. Hometown Builders, for example, provides a written one-year workmanship and materials warranty. With a resale home, take a careful look at the roof, HVAC, and wind-mitigation features. See Building a home.
Photos of Hometown Builders homes: Film Crystal River | Real Estate Media.
Working with Greg
Greg Meade is a licensed Florida real estate agent with Wave Elite Realty Partners · (352) 302-2279. [GREG: add 2–3 sentences on how you work with buyers]
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