🏠 10 Smart Questions Every First-Time Home Buyer Should Ask in Northeast Florida
Buying your first home is exciting — but it can also feel overwhelming. As a REALTOR® and investor here in Northeast Florida, I’ve worked with countless first-time buyers across St. Johns County, Jacksonville, Palatka, and Green Cove Springs. The key to success? Asking the right questions before you start shopping.
Here are ten smart questions every first-time home buyer should ask before making that big move.
1️⃣ What areas fit both my budget and lifestyle?
Different neighborhoods offer unique vibes — from the family-friendly streets of Samara Lakes to the golf-course lifestyle of World Golf Village. Talk with your agent about which areas balance your price range, commute, and community preferences.
2️⃣ How much can I really afford — beyond the mortgage?
Monthly payments are just the start. Factor in insurance, property taxes, HOA or CDD fees, and ongoing maintenance to find your true comfort zone.
3️⃣ What first-time buyer programs or grants are available?
Florida offers several great options like the Hometown Heroes Program, FHA loans, and USDA financing that can make your dream home more attainable.
4️⃣ What should I know about flood zones and insurance?
Flood zones and storm coverage can dramatically affect your costs and peace of mind. Check FEMA flood maps, and ask about wind mitigation credits — especially near the coast or rivers.
5️⃣ What does the inspection typically uncover in local homes?
In Florida, inspections often find HVAC issues, roof wear, plumbing materials, or minor settling — all normal but important to budget for.
6️⃣ How fast are homes selling right now?
The Northeast Florida market moves fast in some areas and slower in others. Understanding days on market and recent trends helps you act decisively without overpaying.
7️⃣ How are new developments or road projects affecting this area?
Projects like County Road 2209 and growth in SilverLeaf are shaping traffic and property values. Stay informed about what’s being built nearby — it could impact your investment.
8️⃣ What should I look for in HOA and CDD documents?
Read the fine print before you sign. Look for rules, rental restrictions, pet policies, and CDD assessments that may affect your long-term plans.
9️⃣ How do I choose the right lender and get pre-approved?
A strong pre-approval helps your offer stand out. Work with a local lender who understands Florida’s insurance requirements and property tax structure.
🔟 What’s the best timeline for buying my first home?
Most closings take 45–60 days, but timing also depends on your lease, budget, and the local market season. Planning ahead ensures a smooth transition.
💡 Final Thoughts
Your first home purchase should be exciting — not stressful. By asking the right questions early, you’ll make confident decisions and avoid costly surprises.
If you’re ready to start your home search in St. Johns County or the surrounding area, I’d be happy to guide you every step of the way.
📞 Neal Brown, REALTOR® | iHeart Realty, Inc.
Veteran • REALTOR® • Investor
Serving Northeast Florida: St. Johns County • Jacksonville • Palatka • Green Cove Springs
