Davenport Florida Real Estate

​Finding The Perfect Home in Davenport Florida

There are many factors to consider when making the biggest purchase of your life. How do you know if you have found the perfect home in Davenport FL? With years of experience we have put together a list of questions to help you find the diamond in the rough.

What is my total budget to purchase a home in Davenport Florida?

Sure, we all would love to buy our dream home in Davenport right now. Can we all afford it, probably not! The most important step in looking for homes in Davenport is understanding your family's budget. You definitely don't want to waste any time dreaming. Focus your efforts on calculating the actual amount you can afford monthly. Some other items to include are property taxes, homeowners insurance or condominium insurance and homeowners association dues.

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How do I get Down Payment Assistance for a house, condo or townhouse in Davenport FL?

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Down Payment Money for a house in Davenport Florida is out there and you may be eligible. Most people never think to look or apply for funds to help buy a new house. You wouldn't think that FREE Money is available for purchasing your next home in Davenport but yo can find out now!

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The Down Payment Resource Center will ask you a few questions about your household and see which programs may mach your circumstances.  Do you currently own a home? What's your annual household income? Are you or a co-borrower American Indian?

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CLICK HERE to Apply For Down Payment Help in Florida

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Why is the seller leaving the home in Davenport Florida?

If you end up in the position to speak to the homeowner in Davenport Florida that you wish to purchase, you may want to ask, Why are they leaving Davenport Florida? Maybe they have a new job and need to relocate away from Davenport. Maybe they are downsizing or up sizing for a new family member. Finding out if the seller of a house in Davenport is critical to understanding how motivated they are to let go of the property. When sellers of homes in Davenport are motivated then negotiations can go quickly and vise versa if they don't need to sell and are in no rush.

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What are the neighbors like? Is the community well kept and what are the HOA Fees (Home Owners Association) or Condo Association Fees monthly or yearly?

You always want to know that the community or neighborhood you want to move to is going to be a good fit for you and your family. Taking a few trips to the property during various times of the day or night will give you a true feeling of the environment. Some neighborhoods are quiet and some are noisy. Some communities in Davenport are Pet Friendly but only allow certain breeds of dogs. Ask the owner if possible about the Davenport Florida neighborhood or community you are interested in. Ask neighbors if you want details that the owner may not have revealed about the community in Davenport.

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What is included in the sale of the house, condo or town home in Davenport FL?

When purchasing a home there are many things to consider regarding what is and isn't included for the purchase price. Usually, anything that is physically attached is considered a fixture. This normally includes counters and cabinets, window blinds, toilets and maybe all the appliances like washer, dryer, refrigerator and microwave. Always clarify what is included in the sale before things get more complicated than they have to be!

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How long has the home, condo or town home been on the market in Davenport Florida?

Knowing how long a property has been for sale in Davenport will help understand the motivation of the seller. Maybe the home is priced too high, maybe the house or condo in Davenport FL is outdated or maybe something is seriously wrong with the home that is discouraging buyers. Many times homes in Davenport Florida for sale will have many price reductions while sitting on the market until a deal is reached with the seller.

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How much have other comparable homes sold for in the neighborhood or immediate area?

Getting an up to date CMA or Comparable Market Analysis from a licensed Realtor will help you understand the Real Estate Market Conditions in Davenport Florida. If the sellers asking price is too high this can help give evidence to an offer that is close or under the asking price. Always know what comparable homes have sold for before making an offer on a property, house, condo or town home.

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How old is the roof on the home in Davenport?

Yes, the roof is one of the most important things to look at when buying a new house or home in Davenport Florida. The hot Florida sun and occasional hurricane can cause some major wear and tear on a roof. If you are buying a house in Davenport and see that the roof needs to be replaced this could cost thousands and thousand of dollars. In addition, if damage under the roof has occurred, the lender may require damage to be repaired before approving your loan. Always check the Davenport Florida Home roof.

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How old are the appliances and major systems?

It's recommended to always get a home inspection before purchasing a home in Davenport, Florida. Important things include HVAC, Air and Heating Systems, Water Heater, Refrigerator, Stove, Microwave, Pool Heater. It would be best to find out about these appliances in Davenport Florida that may need repairs to be functional. Sometimes the seller or buyer can purchase a home warranty which will help cover some of the repair cost.

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Does this house or home in Davenport Florida fall into a flood zone or is the land prone to other natural disasters?

Welcome to Davenport Florida. Yes, Florida has many flood zones and you will pay more money for possible additional insurance coverage. Some houses or homes are located within a federally designated high risk flood zone. Check out the great tool from FEMA below for help finding out if your Davenport Florida Home or Property is located in one of these zones.

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https://msc.fema.gov/portal/home

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Are there any other health or safety hazards on this property in Davenport?

Most major items will be disclosed when looking at homes for sale in Davenport Florida. Things like Lead Paint, Radon or Mold can complicate your loan approval process. The seller should be able to provide any repairs or resolutions to these issues. A qualified home inspector will be able to identify and forward you to the correct person to help remedy the situation.

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Have any major repairs, home additions or major renovations been completed on this house in Davenport FL?

Sometimes people make improvements or renovations to their home that are not listed on the Polk County Property Appraiser records. Maybe the home has 5 bedrooms in Davenport Florida but, the last bedroom is actually a converted room that did not follow building code. This may require costly updates to have the home brought up to building code in Davenport FL.

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Is there any history of past insurance claims on the property in Davenport Florida or Championsgate Florida?

It always helps to request a C.L.U.E report from the seller of a home in Davenport Florida to understand any homeowners insurance claims filed in the last seven years. The Comprehensive Loss Underwriting Exchange will give you clues to what if any damage the property in Davenport Florida sustained from weather or other causes.

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Are there any other visible or non-visible problems with the home or house in Davenport Florida?

Sellers of Homes, Condos or Town Homes in Davenport usually are required to provide a disclosure form listing any known defects. A quality home inspection done by a professional home inspector in Davenport Florida will give you some comfort in knowing another set of trained eyes has gone through the property with a fine pick comb. The trouble comes with issues not disclosed and you don't find out until it's too late.

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How much will I pay in closing cost?

What closing cost do Buyers pay when buying a home in Davenport Florida? What closing cost to Sellers pay when buying a home in Davenport FL? What closing cost are usually shared when buying or selling a home in Davenport?

When buying a home in Davenport you can expect to pay Loan Origination Fees and third party fees for title search, paperwork, appraisal and other administrative cost. Usually around 2 to 5% of the Davenport Florida home's purchase price will be needed to secure the loan.

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Is this home for permanent residence, vacation ownership or income producing rental investment?

Are you going to live in this property for 10, 20 or 30 years? Do you want to rent the property out short term while you're not using it? Is this Davenport FL Home, Condo or Town Home going to be rented out year by year?

All of these questions will help you decide the best options for purchasing a dream home in Davenport.

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