Vivienne Sinkow PA | Naples Real Estate, Bonita Springs Real Estate, Fort Myers Real Estate

If you want to own a deluxe house in a beautiful tropical setting, there may be no better option than pursuing the luxury homes available in Florida. Regardless of whether you check out the luxury residences in Orlando, Tampa Bay or elsewhere in Florida, there's a lot to like about the high-quality houses in the Sunshine State.

Ultimately, it helps to prepare as much as possible if you intend to pursue a Florida luxury house. Lucky for you, we're here to help you get ready to enter the Sunshine State luxury housing market.

Let's take a look at three tips to help you complete a successful pursuit of a Florida luxury home.

1. Understand Your Luxury Home Must-Haves and Wants

The luxury homes in Miami often are very different from those available in Gainesville. Much in the same vein, the luxury residences near Disney World are unlikely to match those offered near the Everglades. But if you consider your luxury home must-haves and wants, you can speed up the process of finding a Florida luxury residence that matches your expectations.

Creating a checklist of Florida luxury home must-haves and wants is ideal. If you have a checklist in hand as you kick off your Sunshine State luxury home search, you can narrow your house search and accelerate the homebuying journey.

2. Get Pre-Approved for a Jumbo Mortgage

In most instances, a jumbo mortgage is necessary to acquire a Florida luxury house. Thankfully, many lenders are available that can help you get the financing that you need to buy a luxury home in Clearwater, Fort Lauderdale or any other Florida city or town.

Meet with several lenders to discuss your jumbo mortgage options – you'll be glad you did. These lenders are happy to explain all of your jumbo mortgage options and provide expert recommendations. Then, you can make an informed jumbo mortgage decision.

3. Collaborate with a Real Estate Agent

A real estate agent is happy to help you launch a successful Florida luxury home search. In fact, this housing market professional will ensure you can identify any potential homebuying hurdles and mitigate these issues right away.

For example, if you want to explore the luxury houses in Lake Worth, a real estate agent will offer insights into the residences that are currently available. This housing market professional also will set up home showings and keep you up to date about open houses in Lake Worth. And if you find a Lake Worth luxury house that you want to buy, a real estate agent will help you submit a competitive offer.

Let's not forget about the comprehensive guidance that a real estate agent can provide throughout the homebuying journey, either. If you ever have concerns or questions about buying a Florida luxury home, a real estate agent is ready to respond to them. That way, you can get the support you need to make the best-possible decisions at each stage of the homebuying cycle.

Prepare to buy a luxury house in Florida – use the aforementioned tips, and you can streamline the Sunshine State luxury homebuying journey.

This listing recently sold for $349,000.

6045 Ashford Ln, NAPLES, FL 34110  

Sale Price
C.14856 -Located in the wonderful Strand community located in N Naples. At 2160 sq ft it is larger than most 2/2+ flex space. Great floor plan, spacious open concept incorporating large rooms with 10 ft ceilings and beautiful large neutral tile throughout. Immaculately maintained and professionally painted. A western view of the golf course and preserve give privacy to the outdoor lanai conveniently situated adjacent to the pool. Spacious white kitchen, lots of counter space and a bay window with breakfast nook. New stainless steel appliances . Master bath updated. Storm shutters all windows and almost new AC. The Strand, offers attractive landscaping, a large clubhouse with multiple dining options, Jr Olympic pool with poolside dining, large fitness center with classes, tennis program, Bocce ball, children's play ground and much more. Walking and bike paths abound. The Girlfriends club that meets at the clubhouse offers the opportunity to make make lots of new friends and discover new pastimes. $5K membership waived if buyer opts for that membership. New low golf memberships available for limited time. Come home to the Strand you will love it!

If you’re getting ready to buy a home, you know it will be one of the most significant purchases of your entire life. However, are you fully prepared for all of the expenses that buying a home will bring? You don’t want to buy a house to find out that you can’t afford it after all.

Many expenses go into buying a home that you can plan for ahead of time. Other costs aren’t as exact that you will need to add in your budget. Read on to learn more about many of the expenses that throw first-time home buyers for a loop. 

Closing Costs

Closing costs encompass a whole bunch of expenses that you’ll incur buying a home. These include:

  • Taxes
  • Application fees
  • Attorney fees
  • Title insurance
  • Reimbursements
  • Recording fees

No matter what the closing costs include, you should plan for these expenses to be about 2-5 percent of the price of your home. Costs can vary widely, but it’s good to have a bit of extra cash on hand.

Maintaining Your Home

While most homebuyers are prepared for the initial costs of buying a home, they don't know how much it costs to maintain a home. Each year, things will come up on your property that needs to be addressed continually. These tasks include:


Yard care


Pressure washing

These routine tasks are independent of other costs like replacing a stove or fixing a furnace. Homeowners need to be prepared for these expenses as well.


Taxes can increase or decrease for any given year. You can lookup taxes in the area where you’re planning to buy a home in order to prepare yourself. You should make sure that your property taxes are comparable with that of other homes in your area.


Utilities are what your home runs on. Depending on the climate you live in the number of utilities you pay can vary. Take into account these things:

  • Heat
  • Air conditioning
  • Water
  • Electricity
  • Phone
  • Cable
  • Internet

Most neighborhoods have one or two choices for services, so you can ask people in the neighborhood what providers they [refer and how much their bills are each month.         


You’re required to have homeowner’s insurance when you get a mortgage. Even if you don’t take out a mortgage and pay cash for a home, it’s a wise decision to protect your investment. Estimate how much a yearly policy will cost you ahead of time. 

This insurance will protect your property from things like theft and fire. You can shop around for the best rates based on policies that suit your needs. It’s easy to price out policies online. See where you can save including discounts for security systems or multiple policy discounts. 

If you live in an area where floods or earthquakes are prevalent, you should be aware. You’ll find you need additional policies to cover damage in the event of these disasters. The most important thing about your homeowner’s insurance policy is that you check the details for all of the fine print.       

These days keeping track of your money can be a hassle. Between all the different ways you can spend your money it’s easy to lose track of your spending. Luckily there are some great apps for money management. Below are a few favorites— all rated with 3.5 stars and up. LearnVest: LearnVest is a money management platform, but it’s also much more. You can link up your various accounts to keep track of your spending, savings and goals (that you set). But the best part about this app are the articles you receive via email from them. The articles that they send are full of helpful information related to early retirement, saving for your wedding, how to pay down debt, rebuilding bad credit, smart saving, and so much more. Every article is worth the read. This app is available on iOS. Mint: Mint is a well-known money management platform. You can hook up your bank accounts, credit cards, 401k and loans and set up budgets. The app utilizes graphs to show you how you spend your money and provides you with bill reminders. It will even give you your net worth. The only downfall to the app is that it has a difficult time connecting to small banks’ online banking systems. This app is available on iOS and Google Play. Daily Budget: This is a do-it-yourself app. If you are one that is weary about putting your personal banking information onto your phone then this is the money management app for you. You plug in your income, reoccurring expenses and it gives you a daily budget. You can add in additional income and expenses as they occur. But, you will have to pay for the full version if you want to utilize all income and expense categories. This app is available on iOS. Comparable apps are available on Google Play. Prosper Daily: This app’s main emphasis is on protecting your accounts. You can link up your bank accounts and credit cards and approve or deny charges as they occur. But, it is also good for a high level review of your accounts. You are able to view your balances on your credit cards and checking account all in one place. Another pro of this app is that you are able to categorize your charges making it easy to keep track of what you are spending your money on. One of the great new features now available is the ability to view your credit score. And beyond that it provides insight into why your score is the way it is and how to improve it. This app is available on iOS and Google Play. These apps will aid you in getting in front of your spending and back in control of where your money is going. Be sure to take full advantage of the offerings that each app has, as it will only benefit you in the long run.

If you plan to sell your house in the foreseeable future, it often helps to declutter. That way, you can eliminate excess items from your house and make it easy for buyers to envision what life may be like if they purchase your residence.

Before you start to declutter, there are several steps that you should follow to achieve the best-possible results, and these are:

1. Consider Which Items That You Want to Keep

One homeowner's treasure is another's clutter, and vice-versa. Thus, you'll want to take a close look at your personal belongings and determine which items are keepers and which items are clutter.

If you find that you have lots of clutter, there is no need to worry. Remember, you can always sell excess items at a yard sale or online. You also may be able to donate various excess items to charity or give them to family members or friends.

2. Examine Clutter in Each Room of Your Home

Clutter rarely is confined to one room of a house. As such, you'll want to closely examine each room of your home and identify all clutter before you list your residence.

Oftentimes, it helps to make a home decluttering checklist that includes each area of your home. This checklist will enable you to take a room-by-room approach to remove clutter and may help you streamline the decluttering process.

3. Evaluate Your Storage Options

Although you likely will find plenty of clutter in your home, you may identify a wide range of items that you want to keep too. At the same time, you probably want to remove as many items from your house to show off the true size and beauty of your home to potential buyers.

Ultimately, it helps to evaluate storage options prior to decluttering. This will ensure that you have plans in place to store myriad items as you start to remove clutter from your house.

Many home sellers choose to rent storage units for their personal belongings. These units generally can be rented on a monthly basis and enable home sellers to keep their belongings safe until their houses are sold. Furthermore, it may be beneficial to pick up storage bins to temporarily store myriad belongings in your house's attic or basement.

If you need extra assistance as you prepare to declutter your house, it frequently helps to reach out to a real estate agent. This housing market professional can offer expert decluttering tips, as well as guide you along the home selling journey.

A real estate agent will set up home showings and open house events, negotiate with a buyer's agent on your behalf and much more. Therefore, with a real estate agent on your side, you can increase the likelihood of a quick, profitable home selling experience.

Ready to declutter and list your residence? Follow the aforementioned steps, and you can eliminate clutter and move closer to selling your house.