Search Homes & Client Tools
Search every home, condo and lot for sale on the Southwest Florida MLS (thousands of active listings), get alerts when new ones hit the market, and run the numbers before you buy or sell. Every listing you open shows Elena as your contact.
Buyer & seller calculators
Florida-specific estimates, including documentary stamp taxes and promulgated title insurance rates. They are estimates, not a loan offer or a closing statement; Elena will walk you through real numbers for any property.
Enter today's rate from your lender. Property tax varies by county and exemptions (homestead); check the county property appraiser. PMI is estimated at 0.5% / yr when the down payment is under 20%.
Uses the common 28% housing / 36% total debt guideline on a 30-year loan. Lenders vary; a pre-approval gives your real number.
In Southwest Florida the seller customarily pays deed doc stamps ($0.70 per $100) and the owner's title policy (Florida promulgated rates). Florida property taxes are paid in arrears, so the seller credits the buyer for the year to date. Buyer agent compensation is negotiable and optional.
Includes Florida mortgage doc stamps ($0.35 per $100) and intangible tax (0.2% of the loan), a simultaneous lender's title policy, one year of insurance and two months of escrow. Cash buyers skip the loan lines.
Guides for Florida buyers & sellers
Buying in Florida
- Get pre-approved, and sign a written buyer agreement before touring (required since 2024).
- Ask for insurance quotes before you write an offer: wind and flood costs vary a lot by home age, roof and flood zone.
- Use the inspection period for a home inspection, wind-mitigation and (for older homes) a 4-point report.
- Check the FEMA flood zone and elevation certificate for any coastal property.
Buying a condo
- Florida's condo safety laws require milestone structural inspections for buildings three stories and up, plus reserve studies for key components.
- Ask for the association's inspection reports, reserve study, budget and any planned special assessments.
- Review rental rules, pet rules and the association's insurance before you commit.
Selling your home
- Start with a free market valuation based on recent nearby sales.
- Gather your roof age, permits, wind-mitigation report and HOA documents early; Florida buyers ask for them.
- Run the net-proceeds calculator above, then talk through pricing and marketing with Elena.
Building a custom home
- Search lots and land above, then check zoning, flood zone and utilities before you buy.
- Elena works with a network of architects and custom builders, from design through permits.