Fl. gulf coast suggestions for living

Discussion in 'Gulf Coast' started by Havana Shamrock, Aug 15, 2014.

  1. DB360

    DB360 Active Member

    Feb 25, 2010
    360 SUNDANCER 2004
    AXIOM 12 RV
    After being down here for 15 1/2 years, (never looking back from New England winters), I can agree with all those that have said Florida West is a great location. From Tarpon Springs to Marco, we have all you could ask for. I couldn't agree more with the suggestion of visiting those spots that might become your winter home. There are so many to chose from! All offering their own special amenities.

    Good luck on our quest!


    carterchapman likes this.
  2. Mystic Dreamer

    Mystic Dreamer Active Member

    Oct 10, 2006
    St. Petersburg, FL
    2006 44DA
    Cummins QSC-500
    Florida sucks, stay away. We are full, no more room.

    Just kidding... everyday is a vacation when living in Florida. Good luck with your search.
  3. almostenuff

    almostenuff Member

    Sep 18, 2010
    Cape Coral, FL
    2005 Sea Ray 390 Sundancer
    2002 SeaSwirl 2301 WA
    T-380 Cummins
    F225 Yamaha
    Bought a house with dock out back in Cape Coral in 2012, but I travel for work extensively. Every day that I'm not there leaves me feeling empty inside.
    Last edited: Aug 25, 2014
  4. Havana Shamrock

    Havana Shamrock Well-Known Member

    Sep 9, 2008
    Sarasota Fla.
    2019. 250 SDX OB
    300 Verado V8
    We have 5 days to cover as much territory as possible in this trip so I'll list the spots with my thoughts when we arrive home. We appreciate the info and opinions. Then we'll schedule more trips with other locations Thanks everyone
  5. rondds

    rondds Well-Known Member

    Oct 3, 2006
    Jersey Shore
    2001 380DA
    Merc 8.1s (2008)...Hurth ZF 63 V-drives...WB 7.0 BCGD (2013), Garmin 8208 & 740 MFDs, GMR 24xHD dome
    Just curious...
    Say you own a 40' boat and live in FL full time. What is less expensive to do - buy a house on a canal and pay the extra insurances to keep it there OR buy a landlocked house and keep the boat at a marina a few miles away?

    Here in NJ, the home values for a house on the water are higher than the would be for the identical house that's not on the water. This means higher property taxes on the waterfront homes.
  6. fwebster

    fwebster Well-Known Member TECHNICAL Contributor PLATINUM Sponsor

    Oct 6, 2006
    Middle Tennessee ; Panama City Beach, FL
    1996 450DA
    3116 Caterpillars

    Very good point, but you also have to factor into the comparison the cost of absentee management for a 40 ft boat in Florida. The cost here is nothing at all like you guys who are used to wintering under shrink wrap on blocks and stands. If you think you will leave a boat in Florida for months without running and exercising it, then hop it her an go, well, that won't happen. If you think your baby will look great with one wax/polish a year….well, that won't happen either unless you are in a barn or under a covered slip. And, if you think the guy at the marina who told you yeah, list me as your hurricane plan ; I'll take care of your boat when a storm comes" ………..well, that ain't gonna happen either because that guy will be barred from crossing any bridge to get to the boat because the state closes all bridges when the wind get to 5O mph and besides, he won't be at the marina, he going to be nailing plywood over the windows at his house.

    I choose to keep my boat in a full service marina with 24 hour security. I can do everything from a full detail to a bottom job with one cell phone call. The marina hauls every boat out of the water when a named storm comes within 75 miles of here….and I don't even have to make a decision or make a call….I just have to pay the bill when it comes. Our marina truly makes long distance ownership easy.

    Buying a canal home locks you out of being near a beach and a beach view. That may or may not be a consideration, but our beach house is a family house. While we bought it primarily as a second home, now that our children are out of school and well into their own careers, having beach access is important since they come to Florida whenever they want to, put their key in the door, no reservations needed and they don't need the boat to enjoy Florida.
  7. rondds

    rondds Well-Known Member

    Oct 3, 2006
    Jersey Shore
    2001 380DA
    Merc 8.1s (2008)...Hurth ZF 63 V-drives...WB 7.0 BCGD (2013), Garmin 8208 & 740 MFDs, GMR 24xHD dome
    Understood. But I was wondering from a standpoint of living full time in FL when I was presenting both scenarios. There are many things to factor in when you are considering parking your boat behind your house vs. at a marina 15 min away. Of, of course, is the marina-life camaraderie that some say is "missed" when you aren't part of a marina. But I'm taking that out of the equation - let's pretend you didn't care about making friends.

    Omitting the advantages of a full-service marina that is at your beck and call, how do the costs stack up in both scenarios.

    Disclaimer: I am not moving to FL and likely never will. This is just something I've thought about as it pertains to NJ. Here in NJ, the answer is that even if you factor in the extra property tax and the premium you pay for waterfront (which you'll get that back when you sell), it would be cheaper to put the boat behind the house than at a marina for $100/ft summer (I'm omitting winter storage b/c I'd still haul out somewhere for the winter).

    Joe, sorry for the tangent here but it is somewhat relevant (I think!).
  8. carterchapman

    carterchapman Well-Known Member TECHNICAL Contributor

    Mar 25, 2008
    Lake Chickamauga/Marietta, GA/Ft. Myers, FL
    2006 Sea Ray 58 DB
    MAN CRM V8-900s, Twin Disc Drives; Onan 21.5 Generator
    Darn - I'm sorry to hear that!
  9. almostenuff

    almostenuff Member

    Sep 18, 2010
    Cape Coral, FL
    2005 Sea Ray 390 Sundancer
    2002 SeaSwirl 2301 WA
    T-380 Cummins
    F225 Yamaha
    When you get to the 40' level, I'm not sure $10,000 a year one way or the other makes a difference...ask me how I know :^D
  10. Havana Shamrock

    Havana Shamrock Well-Known Member

    Sep 9, 2008
    Sarasota Fla.
    2019. 250 SDX OB
    300 Verado V8
    Ron very good point. I believe as of now we would look for a marina either in or near a community that would take care of the boat when we are in NY as well as FL. My wife is interested in a "community" setting and maybe not a residential home again.
  11. Bucit

    Bucit New Member

    Mar 12, 2010
    St. Petersburg Florida
    2005 280 Sundancer
    2004 SPD-104 Achilles w/ 8hp Yamaha
    Twin 4.3 MPI's with Alpha drives.
    heTSre' nothing better than looking out your back door/windows and seeing your boat sitting there. Ask me how i know. Been doing it for 16 years. Gets cleaned, used and maintained much more since I see it every day. Just saying.............
  12. FeLizDream

    FeLizDream Active Member

    Jun 28, 2015
    Marco Island Marina Yacht Club, FL
    2001 Sea Ray 400 Sedan Bridge, with engine synchronizer.
    Cummins 6cta 450 HP, prop 22 Lx 22" L cup.
    Take a look at Marco island, small city with everything near by, PUBLIX, liquors, cigars, lowes , west marine, Walmart, a lot of very good restaurant, nice bands, can be quiet a night, is close to Naples and a shor distance to for lauderdale airport or Fort Myers Int’l airport. Is also a run of 4 to 5 hours to the keys or to Sanibel or Captiva for a day trip.
    We live on the marina marco island yacht club on the weekends and work in Fort Lauderdale, hope to retire soon in Marco Island
    Our boat sea ray 400 sedan bridge 2001. Looks like a great place to live year round, a lot of friends.
  13. paulswagelock

    paulswagelock Well-Known Member

    Oct 25, 2010
    2018 SDX 270 OB 300 Verado
    Verado 300
    We just bought a place in Bonita Springs. Love, love, love the area. We will use it for a vacation home for now, then we plan to be snowbirds in 2 years (we are 54 now and are retiring early). We started looking for a place on a canal, then changed our minds once the practicality of that set in (being away for a storm, insurance, boat complications) etc.
    I plan to rack store a boat once we are snowbirds. For now I will remain just a northern boater.

    I have spent time in Marco Island several times now. Great place, but if you will be there during the peak season, it is very crowded.
  14. Blkbird

    Blkbird Active Member

    Jul 5, 2010
    Lake Lanier, GA
    1997 Sea Ray 450 Sundancer
    Twin 3126 CATS
    Sigh... my dream too...
  15. kysearay

    kysearay Active Member

    Jun 15, 2017
    42 Sundancer

    65 Monticello
    8.1's gassers
    We are traveling there from KY in July and are checking out homes in Bonita for a winter place. I want a canal home close enough to the beach for my wife!! Prices sure have jumped!!!
  16. Arickosmo

    Arickosmo Member

    Apr 10, 2012
    Middle Coast
    2003 400DB
    Mercruiser 8.1L
    Ok, I'm in this discussion too. My wife and I are on a two year plan to move to FL. We're probably not bringing our 400DB with us. I would prefer to be on the water/canal so I can have a boat in the back yard. We're in our 40's and need to be somewhat close to some metropolitan area for her career. I've been eyeing Sarasota/Bradenton but wouldn't mind being a bit further south. This whole topic of insurance issues is very interesting.
  17. carterchapman

    carterchapman Well-Known Member TECHNICAL Contributor

    Mar 25, 2008
    Lake Chickamauga/Marietta, GA/Ft. Myers, FL
    2006 Sea Ray 58 DB
    MAN CRM V8-900s, Twin Disc Drives; Onan 21.5 Generator
    As someone mentioned earlier, there is a marked temperature difference in the winter temperatures if you are south of Sarasota. We found Naples winter traffic was too much for us, and we ended up in Ft. Myers. It doesn't have the "name" of Naples or Sarasota, but it has everything we need - closer to the airport than Naples. We chose condo with boat at a nearby (10 miles) marina in Cape Coral. Being on the 12th floor of a condo constructed in '07/'08 brings all the latest hurricane construction standards. We have 2300 sq ft, three bedrooms, three bathrooms. And when you want to leave for a period of time, shut the water off, turn the water heater off, lock the door, and forward the mail. We are not on the beach - some would call that a disadvantage - but on the water overlooking the Caloosahatchee and downtown Ft. Myers. We have a free trolley that runs to/from downtown which has lots of restaurants and entertainment. I wish I had a shop, but I "survive" without one!! I've attached a picture of our view. IMG_2274.jpg IMG_2273.JPG

    Canal homes in Cape Coral (600 miles of canals if I'm not mistaken) have many low bridges - limiting boat size. Canal homes with unrestricted Gulf access are 7 figures. Frank is spot on with FL boat maintenance. Diver once a month $200, Wax 4 times a year $7000 (58' boat). Hurricane plans - sign up for indoor air conditioned storage, 5 month minimum - $3000 a month. Boating in summer months is hot, with lots of TRWs.

    This works well for us - as you know, we move the boat to Chattanooga for hurricane season to avoid that threat. I wish we'd bought a winter place in FL 20 years ago, we love it.
    Last edited: Nov 20, 2019
    Blueone, Chris-380 and Todd320 like this.
  18. Handsome Transom

    Handsome Transom Active Member

    Jan 26, 2018
    Penetanguishene Ontario Canada
    1989 SeaRay Sundancer 268 454 Bravo
    454 Mercruiser bravo drive
    St Petersburg area is great I lived on the hook in Gulfport FL, , frowned upon , . Gulfport does have a decent municipal marina too though. There are many hotel condos as well, I'm a tile man and worked on many in that area,they are about 600 sq feet. Inland in gulfport area Housing was quite inexpensive
  19. JVM225

    JVM225 Well-Known Member

    Apr 8, 2008
    Farmingdale, NY
    2002 410 Sundancer, Monaco Edition.
    3126 Cats.
    IMHO: As much as I wold love to have my boat in my backyard, it wouldn’t be worth it to me to have to worry about both my boat and my home in a storm.
    There was a time when I thought my wife and I would sell once the kids were gone and buy something smaller on the water.
    Live the dream with the boat in the backyard.
    The views are beautiful and the convenience would be fantastic.
    That all changed once I witnessed what happened to waterfront living during Super Storm Sandy.
    I live 7.5 miles (20 minutes if I get stuck at all the traffic lights) from my dock, the ground floor of my house is about 116’ above sea level and I like it that way.
    Blueone and Handsome Transom like this.
  20. hottoddie

    hottoddie Well-Known Member

    Jan 11, 2012
    Boston/Cape Cod
    1986 Sea Ray 390 EC
    Garmin 4212 Chartplotter
    Garmin 24 HD Radar
    Garmin 546s Plotter
    454 Crusaders
    I thought the Punta Gorda area got pummeled about 15-20 year ago in back to back hurricanes. How bad was it? Seems like plenty of older mobile homes and block homes are there today.

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