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12 chapters, plus checklists and sources you can print.
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- The cover and the full table of contents
- Start here: how the guide works and what changes in Florida
- Dates that matter right now
- The ten-step Florida buying timeline
Get the full guide
One-time purchase. A PDF you can read on any device and print. No subscription.
- 12 chapters covering the whole Florida buying process
- Checklists, glossary and sources you can print
- Checked October 2026
- The state guide for the statewide rules
- The Pinellas County guide for the local details
- Designed to be read together
What's inside
12 chapters, plus checklists you can print.
- 1Money and loansLoan types, what lenders look at, cash you'll need, and Florida's down payment programs.
- 2Choosing the right homeHouses, condos, townhomes, new construction and manufactured homes; what a home's age tells you in Florida.
- 3Flood zones vs. evacuation zonesThe two maps every Florida buyer must check, what each means, and how to read them.
- 4What to look out forRed flags in the house, the paperwork, the listing and the neighborhood.
- 5Inspections: which ones you needWhat each inspection checks, who can do it, what it costs, and how to use the report.
- 6Offers, contracts and disclosuresFlorida contracts, deposits, deadlines, required disclosures and negotiating after inspection.
- 7Insurance, flood and hurricane seasonHomeowners, wind, flood and condo policies, deductibles, Citizens, and getting real quotes.
- 8Condos, HOAs, CDDs and new homesFlorida's condo safety laws, association documents, CDD taxes and builder contracts.
- 9Closing costs and closing dayDoc stamps, title insurance, a worked example, and how to avoid wire fraud.
- 10Property taxes and the homesteadHomestead, Save Our Homes, the reset that surprises buyers, and Amendment 3.
- 11Your first yearFirst 90 days, a Florida maintenance calendar, and keeping records.
- 12Checklists, glossary and sourcesEverything in one place to print and use.
A few numbers from the guide
Dated and sourced. Everything is checked as of October 2026.
Florida county guides
The local details the state guide points to.
Common questions
Who is this guide for?
People buying a home to live in, especially first-time buyers. It walks through the whole process in order, with the Florida-specific parts in depth.
How current is it?
Information is current as of October 2026. Program funding, income limits, insurance rules and tax rates change, so every figure in the guide is dated and sourced. Confirm anything you rely on with the agency or your lender.
Does it cover my county?
The state guide covers the statewide rules. County guides cover the local details, and Pinellas County is available now. More counties are planned.
What do I get with the free preview?
4 pages of the real guide, as a PDF. It includes: The cover and the full table of contents; Start here: how the guide works and what changes in Florida; Dates that matter right now; The ten-step Florida buying timeline. You'll give us an email address and answer one question about where you are in the process.
How is the full guide delivered?
As a PDF you can read on any device and print. Checkout isn't open yet. The free preview is available now.
Can I get a refund?
All guide sales are final. Because the file is available for download immediately after purchase, we don't offer refunds for change of mind or content preference. If your file is corrupted, blank, or unreadable, email hello@trysteadwell.app within 48 hours of purchase and we'll send a working replacement.
Was this guide written by AI?
Steadwell's buyer guides are researched and written with AI assistance and reviewed for accuracy before publication. They are general information, not legal, tax, insurance, financial or real estate advice. Laws, programs and prices change, so confirm details with the responsible agency and licensed professionals before you act.
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