The decision framework, with the Florida-specific costs that change the usual answer.
Insurance is the underrated one: current wind code and a zero-age roof produce premiums aging coastal stock can't touch, and wind-mitigation credits come built-in. Add the structural warranty (commonly 1-2-10 style coverage), no immediate capex list, and this cycle's incentive packages — buydowns and closing-cost credits documented on our builder pages.
Location maturity (established trees, known neighbors, no construction traffic for years), no CDD in most older communities, negotiability against an individual seller rather than a pricing department, and what-you-see-is-what-you-get — including the actual drainage after a summer storm. Resale also closes on your timeline, not a construction schedule.
Model the full stack both ways: CDD debt + O&M (our verified tables), HOA at both candidates, insurance quotes on the actual roofs, and property tax from millage × your price — the reset applies to both, but new-community millage stacks often run higher. The sticker prices are the least comparable numbers in the comparison.
Talk to Jon or Brittany directly. We'll answer specific questions or connect you with the right Momentum agent.
Talk to founders →