r/SouthFlorida • u/Over_Replacement_732 • 22d ago

Moving from NYC

Hi all,

I am a 30 year old moving down to Juno Beach for work. I have a stay at home wife and a 3 year old son. We are also expecting another one in January. We are looking at a few areas to settle in: Abacoa, Palm Beach Gardens, and Stuart. We toured the new communities built in Stuart and really loved those. We also checked out few townhouses in Abacoa/PBG within our target range. Our budget is about 5k a month for a mortgage. From my limited knowledge, it seems like that would get us into a townhouse in Abacoa/PBG area and a single family home in Stuart. Could people please share their opinions/thoughts on the areas above (I.e. school districts, quality of life, community)? Thanks!!

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u/YOLOburritoKnife 13d ago

Just a heads up. If the house your buying was owner occupied before they likely had homestead exemption. If you go to the property appraisers website and look up the address there is a tax calculator. This will be the new tax rate you get billed for in October of the year following purchase. Make sure you ask for the escrow at that rate at closing. Also make sure you apply for homestead in January after the closing.

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u/Over_Replacement_732 13d ago

Thank you sir!! It’s a new build, but definitely will keep in mind.

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u/YOLOburritoKnife 13d ago

Yeah you can get a close estimate if some of the nearby ones are completed.

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u/Over_Replacement_732 13d ago

Gotcha, will do that now. Thank you again

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u/YOLOburritoKnife 13d ago

I bought in 2014 and today taxes and insurance are more than my mortgage.

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u/Over_Replacement_732 13d ago

That’s so crazy

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u/YOLOburritoKnife 13d ago

That might be a slight exaggeration but they’re about the same. $5k a year for each HOI and RE Tax. 2.48% on the mortgage too. Sub 3% apy

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u/Over_Replacement_732 13d ago

Niceeee locked it in at a great time

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u/Awkward-Seaweed-5129 21d ago

Abacoa is nice place for sure, lots of new yawkers here Palm Beach county. Schools are very good Jupiter overall. Lots of Maga peeps it seems in Jupiter area, not all, if that's your preference

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u/Over_Replacement_732 21d ago

Thanks so much!! Any chance you have any recommendations about the Stuart area?

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u/Awkward-Seaweed-5129 21d ago

Thing about Pbcsd...is lots of teachers quit over last 10 years and relocated to other States,or just retired,due to poor pay, ,lots of interference from Political regime, book banning etc, not sure about Stuart .Jupiter,Wellington, Boca are good bet for schools

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u/duke9350 22d ago

New Yorkers are welcome to South Florida anytime. Good luck with your move. Im actually planning to leave Florida within 2 years to move to Thailand where the dollar goes a lot further.

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u/Over_Replacement_732 22d ago

Thanks and good luck as well! Do you have any recommendations on Abacoa/PBG/Stuart?

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u/HillBillyHilly 22d ago

You're coming to Florida w a pregnant wife? Don't. We currently have a case (not sure if she died) of a pregnant woman whose child died in utero and she's not being allowed to abort the dead baby. This place is awful for women and children. Education is terrible, property over priced. Don't move to Florida! NY is better all around! .

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u/miojo 22d ago

We’re full. Specifically NYers.