What It’s Like buying a home in Naples, Florida

buying a home in naples florida

Florida is America’s southernmost state and is famed for its beaches, wildlife, and sunny climate. The Sunshine state is a vacation haven welcoming over 65 million tourists and thousands of new settlers annually. Buying a home in Naples, Florida, or anywhere is a significant decision that should be considered carefully. 

Whether you are searching for Naples gulf front homes for rent in Miami or single beach houses for sale in Naples, Florida, close to the beach, you would want to bear some of these factors in mind before deciding to move to Florida permanently. 

Naples is one of Florida’s standout cities. The city offers excellent cuisine, fantastic beaches, breathtaking landscapes, and a tranquil atmosphere that has been rated as one of the best places to retire to in the United States. 

Reasons to Consider Relocating to Florida 

If you are still unsure about moving to Florida, the following reasons should help you quickly decide to buy that gulf front home in Palm Beach or rent the waterfront home in Naples: 

It’s Always Sunny in Florida

Florida is known as the sunshine state for a reason. There is a warm, tropical climate all year round. If you are an outdoorsy individual, moving to Florida might be one of your best moves yet. 

Cultural Diversity

Florida is home to a highly diverse population making the state a melting pot of cultures, cuisines, art, and history. The state offers plenty of nature trails, lakes, rivers, and the unique Florida Everglades. 

Amazing Beaches

The beautiful beaches of Florida are probably the state’s most significant attraction. Some residents literally live in front of the beach. Florida’s beaches are well-known and have won several tourists awards. Seven of Florida’s beaches made TripAdvisor’s list of 10 Best US Beaches for 2019. 

No State Income Taxes

Individuals and corporations love Florida because they only have to think about federal taxes. The State of Florida charges no income taxes giving Floridians more money to spend on the state’s delightful experiences. 

Intense Sporting Environment

If you are a sports fan, then you have one more reason to relocate to Florida. The State has two NBA teams (Miami Heats, Orlando Magic), three NFL teams (Jacksonville Jaguars, Miami Dolphins, Tampa Buccaneers), two NHL teams (Tampa Bay Lightning, Florida Panthers), and two MLB teams (Miami Marlins, Tampa Bay Rays). College sports are not left out. The University of Florida and Florida State University sports teams provide annual sporting fireworks on the field, track, and court.

Factors to Consider Before Buying a Home in Naples, Florida

Before you start your search for in Naples, Florida, you should make the following considerations:

Market Forces

Economic changes can significantly affect the price of homes for sale in Naples, Florida. You want to get the best value for your money, so you may want to research housing trends, interest rates, and other parameters that may affect how much you’ll be paying. 

Your Financing

Property prices in Naples and other parts of Florida are a bit higher than the national average. However, the state offers assistance to first-time homeowners, veterans, and low-income families. Your realtor should tell you what you qualify for, other financing options available to you. 


Florida is a flood and hurricane-prone state so having a solid insurance policy is crucial. Ideally, your Naples home insurance policy should cover the building and personal items.  However, your policy should also be something you can pay with your mortgage to avoid getting into heavy debt. 


A property inspection is an essential part of buying a home, no matter the location. An inspection agency can help you evaluate the property and confirm that there are no issues that could become a problem in the future. It also helps to have and use your own inspection checklist before paying for the home.

Your Real Estate Agent

Your real estate agent could be the difference between finding great homes for sale on the water in Naples at a reasonable price or overpaying for a property in a location you do not fancy. 

You want to find a skilled and experienced professional who has closed several deals in the Naples area. A good realtor will help you find your dream property, also negotiate a great price.

Steps to Buying a Home in Naples, Florida

The following steps should guide you in buying a Naples, Florida home. 

Hire a Real Estate Agent

Finding the right realtor is a step that cannot be overstated. Hiring a real estate agent will cost the buyer nothing in reality but can be very significant in negotiations. A realtor will furnish you with all the information you need to make a good choice. A realtor will have access to multiple listings in Naples that will give you more property options. 

Your realtor should possess extensive knowledge of the property market in Naples and be willing to answer all your questions. Also, your realtor should have closed similar deals in the area.

Get Mortgage Pre-approval 

Most sellers will not speak to you without mortgage pre-approval unless you are paying cash. A mortgage pre-approval tells the seller you are serious and able to finance the property. Lending institutions will pre-approve your mortgage after they’ve analyzed your credit report and determined financial competence. 

Make an Offer 

Once you’ve settled on a property, the next thing you want to do is to make an offer. Your realtor will do this with a formal contract stating the terms of the bid. A seller is not mandated to accept your offer and will probably come with a counteroffer unless you meet their asking price outright. 

Your realtor’s expertise is vital at this stage. Negotiations can be protracted or brief, depending on the negotiating parties. 

Close the Deal

Closing the deal on a Naples waterfront home for sale is the fun part. Your realtor will fix a closing meeting with the seller. A real estate attorney will draw up a contract, and the parties will sign the necessary paperwork. The final step is to transfer the agreed-upon funds and take ownership of the property. 


Purchasing a home is an important life decision. Florida offers great potential for work, education, or building a family. Following the steps on buying homes for sale in Naples, Florida, as described in this article, will guide you in making the best possible home choice for you and your loved ones.

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