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Buying a Home
With the growth of the
internet, buying a home is easier than ever. In fact, homes can now
be purchased over the internet! Links to our Multiple Listing
Service can narrow your search and Virtual Tours can show the
home and neighborhood. Purchase offers and contracts can be
completed through email and sale closings completed by express mail.
But, with the advance of technology, it is even more important than
ever to have a Realtor that you can trust. Even with all of
the technology, nothing really is the same as being here to select
the home of your choice, but with the help of a trusted realtor, you
can buy the home of your dreams whether you come to this area or
not.
Buying a home can
be one of your most significant investments in life. Not only
are you choosing your dwelling place, and the place in which you
will bring up your family, you are most likely investing a large
portion of your assets into this venture. The more prepared you
are at the outset, the less overwhelming and chaotic the buying
process will be. The goal of this page is to provide you with
detailed information to assist you in making an intelligent and
informed decision. Remember, if you have any questions about the
process, I'm only a phone call or email away!
Starting The Home Search Process
The realtor may work with you as a Buyer's Agent or as a
Sub-agent of the Seller; be sure to discuss these agency
relationships with your agent(s) at your first substantive
meeting as you will be required by law to sign an Agency
Disclosure Agreement at that time.
Know how much you can spend.
Determine how much you want to pay for a new home.
If financing will be required, it is recommended that you
obtain mortgage pre-approval from a qualified lender prior
to beginning your home search. Often attached with a written
offer, a pre-approval letter will give your offer merit in
the eyes of a seller, and may allow you to be more flexible
if a quick closing is in both parties' best interest.
Choosing legal counsel You should also select an
attorney at this time.
It is recommended that you choose an attorney who is
experienced in representing purchasers of real estate. If
you don't have an attorney already for this purpose, your
agent(s) can usually give you names of several highly
regarded real estate attorneys that you can interview.
Now that you have found the home you want, how do you
structure and offer to purchase?
Once you have found a home you wish to purchase, your agent
will submit an offer on your behalf. Offers and
counter-offers may be submitted verbally or in writing. The
initial offer is usually submitted in writing (especially in
a multiple-offer situation) as an "Offer to Purchase"
prepared by your agent.
Terms of your
offer usually include:
- purchase price,
- personal property to be
included,
- projected closing date,
- conditions and
contingencies (inspections, financing, etc.)
Subsequent counter-offers are
often presented verbally. When you have reached an agreement
with the seller on all terms you now have an Acceptable
Offer (A.O.).
What happens
after you have an Acceptable Offer?
Once an A.O. is reached, a written Memorandum of Agreement is
usually drafted by the seller's agent, stating the terms of
the agreement; copies are distributed to the seller, the
seller's attorney, the buyer, the buyer's attorney, and both
real estate agents. No earnest money deposit is exchanged at
this time. The typical time frame from agreement to closing
is approximately 60 days. Of course, many factors can affect
this time frame, including specific needs of the buyer
and/or seller.
From an
Acceptable Offer to Contract
After reaching an A.O., you (the buyer) are given a limited
time period during which to conduct an engineer's inspection
and other desired and/or required inspections (assuming that
an inspection contingency is part of the agreed-upon offer).
This period is usually 10 days or less. During this period,
the seller has only a verbal, non-binding agreement to sell
the property to the buyer; the seller, in the meantime, is
free to listen to, negotiate, and/or accept other offers. It
is, therefore, imperative that you (the buyer) conduct all
inspections in good faith and in a timely fashion. A binding
contract will generally not be written until after
inspections have been completed.
Home Inspections do you need them?
An engineer's inspection is very strongly recommended for
every home purchase. The purpose of an inspection is to
identify the condition of the home and allow the buyer to
make informed decisions. Even with newly constructed homes
and with condominiums, it is possible that something could
have been overlooked or poorly designed. An engineer's
inspection will typically take 2-4 hours. If at all
possible, you should plan to be there with the engineer
during the inspection. This is an opportunity for you to
learn a lot about your new home, ask questions of the
engineer, and receive suggestions. Subsequent to the
inspection, the engineer will provide you with a detailed
written report covering his/her findings. Most mortgage
lenders require a termite inspection and stipulate that it's
to be done by a licensed termite inspector. Your engineer
may or may not be licensed to do termite inspections; if
not, you will need to hire a termite inspector. Other
optional inspections you may wish to perform include a fuel
oil tank test (for oil tanks buried in the ground), a radon
test, a septic dye test (if applicable), a water portability
test and water recovery test (for private wells), asbestos
testing, and lead paint tests.
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From Contract to Closing
Once inspections are completed and deemed satisfactory, the
seller's attorney will draft a contract of sale and deliver
it, along with the seller's title insurance policy and copy
of any existing survey, to your (the purchaser's) attorney.
You should review and discuss the contract with your
attorney. If any changes are requested, the seller must
agree to these changes.
Signed contracts
are then returned to the seller's attorney with a 10%
contract deposit, also called a "down payment" (this down
payment amount can be negotiable but is typically 10%). The
contract deposit check is made payable to the seller's
attorney who holds it in an escrow account until the
closing. Once the contract is signed by the seller, your
attorney will receive two fully executed copies of the
contract, one of which will be given to you for submission
with your mortgage loan application.
Your completed
mortgage loan application with all supporting documentation
should be submitted to your chosen lender promptly upon
receipt of the fully signed contracts. Your attorney will
also provide you with an estimate of closing costs at this
time.
Prior to
closing, your attorney will arrange for a title search of
the property. The title company will issue a title report
certifying clear title, and a title insurance policy to
protect the lender (required) and the buyer (optional) in
the event a title problem arises in the future. The title
company will also perform a property tax search and a
violations search (required by the lender), and a survey
inspection. If the existing survey is unacceptable, or if no
survey exists, it is typically the buyer's responsibility to
pay for a new survey.
From contracts to the closing table
Once all conditions of the contract have been
satisfied, the closing date is scheduled. This involves
getting together all parties including the seller, the
seller's attorney, the buyer, the buyer's attorney, the
lender's attorney, the title company representative, and
usually one or both real estate agents. Once the closing is
scheduled;
- calls should be made to
confirm with your movers,
- to contact
utility companies to
transfer service accounts,
- to arrange for a
homeowners insurance policy (proof of an insurance policy
and paid receipt for one year's premium paid in advance must
be brought to the closing),
- and to transfer any funds
(closing costs) necessary for closing.
Your attorney will advise you
in advance as to the amount(s) of any certified checks
required at closing. You will also be required to bring a
supply of blank personal checks for assorted closing costs,
as well as two forms of identification, one of which must be
a photo I.D. Closing can take just a few minutes if you're
paying cash, or much longer depending upon the number of
real estate papers to be explained and signed.
Inspecting the property for the final walk-thru
A final "walk-through" of the property is performed just prior
to closing, usually within a few hours or not sooner than
the previous day. This is scheduled with your real estate
agent, or the seller's agent.
The purpose of the
walk-through is threefold:
- to confirm that no damage
has been done to the home since the time of the engineering
inspection;
- to confirm that the major
systems and appliances are in working order; and
- to confirm that the home
is "vacant and broom clean", as stipulated in every sales
contract.
Questions
For additional information or clarification of any information
provided herein, please consult one of the professionals
identified in the disclaimer.
* Disclaimer
Please keep in mind that this is not intended to be a
comprehensive discussion of the home purchase process. It is
intended to give the reader a general overview of the
process, and to allow a prospective purchaser to plan ahead.
Information contained herein should not take the place of
the expert advice of professional advisors such as an
attorney, a real estate agent, an engineer, a mortgage
counselor, an accountant, and an insurance agent, all of
whom you may have to consult with and rely upon in
connection with your home purchase.
HOW TO SPOT A GOOD BUY
Beauty is in the eye of the beholder, particularly
when it comes to buying a home. Features that attract one home-buyer may repel
another.
However, the one feature of interest to every
home-buyer is price. Getting the most home for your money is paramount. The real
problem is figuring out whether that fixer-upper on one street is a better buy
than the home in next-to-new condition two blocks away. That’s why knowing what
to look for before
you buy can save you time, energy and money down the line.
The first step is figuring out what kind of house
you need. A good buy is only a good buy if it meets your current and future
living requirements. Before shopping for a home, decide how much space you and
your family require. How many bedrooms, bathrooms? Is a family room necessary?
Do you need a layout that will accommodate a lot of entertaining? Do you prefer
a spacious or compact work space in the kitchen? If you have small children, can
the house easily be childproofed?
Evaluate the front and back yards. Is there enough
space to accommodate your children? Do you want a park-like or garden setting?
Do you enjoy yard work and gardening, or do you want a low-maintenance yard?
Take into consideration the cost of extensive landscaping and upkeep.
Next, determine how much work is required to make
the house you are considering livable. Make an honest assessment of your fix-it
abilities. How much work are you willing to do or pay someone else to do? Do you
have basic decorating, carpentry and plumbing skills? If you plan to learn as
you go, make sure you have accurately determined what you are getting into. Ask
an experienced friend, family member or your real estate agent for their
opinion, and be sure to consider how much remodeling inconvenience the rest of
the family can handle.
Unless you are ready and able to tackle a major
remodel, look for a house or condominium that needs only cosmetic improvements.
These include painting, wallpapering and replacing items like flooring, window
treatments, bathroom and kitchen fixtures, light fixtures, cabinet and interior
door hardware and appliances. Remember that even these simple changes can be
costly if you have to make many of them.
Beware of improvements that seem easy enough at
first glance buy may turn into major headaches and require a lot of money once
you’ve moved in. Remodeled kitchens and bathrooms, changes to the floor plan,
room additions and redesigned landscaping are examples of seemingly minor
changes that can easily eat away the money you thought you saved by selecting a
so-called “bargain priced” home. Of course, you may be perfectly willing to
spend whatever money is needed to customize the house to match your tastes and
needs.
Make sure major systems in the house are in good
working condition. The furnace, air-conditioning and plumbing should be up to
date, since repairs can be costly. Your agent can arrange to have a professional
inspector determine whether the electrical wiring and any room additions are to
code. Local utilities often offer free or low-cost inspections to tell you if
the house is energy-efficient.
Look for a house with universally popular selling
points. If you’re impressed, the next buyer down the line is bound to be, too.
For example, a roomy, modern east-to-clean kitchen is the best selling point a
home can have. A house with only one bathroom is less desirable than a house
with two or more. Many buyers expect at least three bedrooms, with a master
bedroom that offers a feeling of privacy. Lots of storage space and closets,
especially walk-in closets, will be a real selling point. Family rooms or “great
rooms” also are desirable. On closer examination, a house that looks like a
bargain may lack some of these key features.
Don’t forget the old adage: location, location,
location. Unless you’re looking for a fixer-upper, the house should be in a
condition that is comparable to other homes in the neighborhood. Avoid buying
the biggest or fanciest home on the block. Consider the amount of traffic or
noise. Homes located in a quiet area away from a busy street will command a
higher price. Make sure the schools in your district have a reputation for
quality education and safety. Nearby supermarkets, gas stations, restaurants and
theaters also will make a location more desirable.
Good community facilities also add appeal; pools,
athletic fields, community centers, libraries and hospitals all add to a
neighborhood’s value and desirability. Transportation needs also should be
considered. Is local public transit available? How long are typical commutes to
places of current and potential employment? Are there several alternate route?
How close is a major airport? All of these can affect a home’s pricing.
Consider the cost of living in a home. It’s
important to consider not only purchase price but the monthly cost of living in
a home. Estimate your utility and maintenance costs. For example, will the house
need to be painted on a regular basis and will you need to spend money
maintaining a swimming pool? Ask your agent about the property tax rate and
whether increases are anticipated. Will you have to pay special assessments for
a homeowner’s association? Consider the point in the life cycle of major
household systems, such as the furnace, air conditioning, roof and kitchen
appliances.
You can find a bargain! Your first step should be to
seek out a knowledgeable real estate agent with experience in the market areas
where you wish to purchase a home. Your agent can help you locate those
properties that truly are “bargains” and help find the home that most closely
matches your desires and needs.
Our search on the left
called "South Florida Listings" includes real estate in the following
cities: Alachua, Alafaya, Alford, Allandale, Alligator Point, Aloma, Altamonte
Springs, Altha, Altoona, Alturas, Alva, Amelia Island, Anna Maria,
Anthony, Apalachicola, Apollo Beach, Apopka, Arcadia, Archer, Argyle,
Aripeka, Astatula, Astor, Atlantic Bch, Atlantic Beach,Atlantis, Auburndale, Aventura, Aviation, Avon Park, Azalea Park, Babson
Park, Bagdad, Baker, Bal Harbour, Baldwin, Balm, Barberville,
Barefoot Bay, Bartow, Bascom, Basinger, Bay Harbor Islands, Bay Pines,
Bayonet Point, Bell, Belle Glade, Belle Isle,Belleair, Belleair Beach, Belleair Bluffs, Belleair Shores, Belleview,
Bellview, Beverly Hills, Big Coppitt Key, Big Pine Key, Big Torch Key,
Biscayne Park, Blountstown, Boca Grande, Boca Raton, Bokeelia, Bonifay,
Bonita Springs, Bostwick, Bowling Green, Boynton Beach, Braden River,
Bradenton, Bradenton Beach, Bradley, Brandon, Branford, Brent, Briny
Breezes, Bristol, Bronson, Brooker, Brooksville, Bruce, Bryant,
Bryceville, Buena Ventura Lakes, Bunnell, Bushnell, Callahan,
Campbellton, Canal Point, Canaveral Air Station, Candler, Cantonment,
Cape Canaveral, Cape Coral, Cape Haze, Cape San Blas, Captiva, Carl
Fisher, Carol City, Carrabelle, Carrollwood, Caryville, Cassadaga,
Casselberry, Cedar Key, Celebration, Center Hill, Century,
Champions Gate, Chattahoochee, Chiefland, Chipley, Chokoloskee,
Christmas, Chuluota, Citra, Citrus Springs, City Of Sunrise, Clair Mel
City, Clarksville, Clearwater, Clearwater Beach, Clermont, Clewiston,
Cloud Lake, Cocoa, Cocoa Beach, Coconut Creek, Coconut Grove, Coleman,
Conch Key, Cooper City, Copeland, Coral Gables, Coral Springs, Cortez,
Cottondale,Country Lakes, Crawfordville, Crescent Beach, Crescent City, Crestview,
Cross City, Cross Creek, Crystal Beach, Crystal River,Crystal Springs, Cudjoe Key, Cutler Bay, Cypress, Cypress Gardens, Dade
City, Dania, Dania Beach, Davenport, Davie, Day,Daytona Beach, Daytona Beach Shores, De Leon Springs, Debary, Deer
Island, Deerfield Beach, Defuniak Springs, Deland, Delray Beach,Deltona,
Destin, Dinsmore, Doctors Inlet, Dona Vista, Doral, Dover, Dowling Park,
Downtown, Duck Key, Duette, Dundee, Dunedin, Dunnellon, Durant, E
Rockland Key, Eagle Lake, Earleton, East Palatka, Eastlake Weir,
Eastpoint, Eaton Park, Eatonville, Eau Gallie, Ebro, Edgar, Edgewater,
Edgewood, El Jobean, El Portal, Elfers, Elkton, Ellenton, Eloise,
Englewood, Enterprise, Estero, Eustis, Everglades City, Evinston,
Fairfield, Fanning Springs, Fedhaven, Felda, Fellsmere, Fern Park,
Fernandina Beach, Ferndale, Flagler Beach, Flamingo Lodge,
Fleming Island, Florahome, Floral City, Florence Villa, Florida City,
Florida State University, Forest City, Forest Lakes, Fort Lauderdale,
Fort Mc Coy, Fort Meade, Fort Myers,Fort Myers Beach, Fort Ogden, Fort Pierce, Fort Walton Beach, Fort
White, Fountain, Freeport, Frostproof, Fruit Cove, Fruitland Park,
Fruitville, Gainesville, Geneva, Georgetown, Gibsonton, Glen Ridge, Glen
Saint Mary, Glenwood, Golden Beach, Golden Gate, Golden Isles Postal
Store, Gonzalez, Goodland, Gotha, Goulds, Graceville, Graham, Grand
Island, Grand Ridge, Grandin,Grant, Grassy Key, Green Cove Springs, Greenacres, Greensboro,
Greenville, Greenwood, Grenelefe, Gretna, Grove City, Groveland, Gulf
Breeze, Gulf Gate Branch, Gulf Hammock, Gulf Stream, Gulfport, Haines
City, Haines Creek, Hallandale, Hallandale Beach, Hampton, Harmony,
Harold, Hastings, Havana, Haverhill, Hawthorne, Heathrow, Hernando,
Hernando Beach, Hialeah, Hialeah Gardens, Hiawassee, High Springs,
Highland Beach, Highland City, Hilliard, Hillsboro Beach, Hobe Sound,Holder, Holiday, Hollister, Holly Hill, Hollywood, Holmes Beach, Holt,
Homeland, Homestead, Homosassa, Homosassa Springs, Horseshoe Bch,
Horseshoe Beach, Hosford, Howey In The Hills, Hudson,
Hutchinson Island, Hypoluxo, Indialantic, Indian Creek, Indian Creek
Village, Indian Harbor Beach, Indian Harbour Beach, Indian Lake Estates,
Indian River Shores, Indian Rocks Beach, Indian Shores, Indiantown,
Inglis, Intercession City, Interchange Square, Interlachen,
Inverness,
Islamorada,
Island Grove, Island Walk,
Istachatta,
Jacksonville,
Jacksonville Beach,
Jacob,
Jasper,
Jay,
Jennings,
Jensen Beach,
Jonesville,
Juno Beach,
Jupiter,
Jupiter Inlet Colony,
Kathleen,
Kenansville,
Kendall,
Kenneth City,
Key Biscayne,
Key Colony Beach,
Key Largo,
Key West,
Keystone Heights,
Kinard,
Kissimmee,
La Crosse,
Labelle,
Lacoochee,
Lady Lake,
Lake Alfred,
Lake Buena Vista,
Lake Butler,
Lake City,
Lake Clarke Shores,
Lake Como,
Lake Geneva,
Lake Hamilton,
Lake Helen,
Lake Jackson Branch,
Lake Mary,
Lake Monroe,
Lake Panasoffkee,
Lake Park,
Lake Placid,
Lake Suzy,
Lake Wales,
Lake Worth,
Lakeland,
Lakeshore,
Lakewood Park,
Lakewood Ranch,
Lamont,
Lanark Village,
Land O Lakes,
Lantana,
Largo,
Lauderdale By The Sea,
Lauderdale Lakes,
Lauderhill,
Laurel,
Laurel Hill,
Lawtey,
Lazy Lake,
Lecanto,
Lee,
Leesburg,
Lehigh Acres,
Lighthouse Point,
Lithia,
Little Torch Key,
Live Oak,
Lk Forest,
Lloyd,
Lochloosa,
Lockhart,
Long Key,
Longboat Key,
Longwood,
Lorida,
Loughman,
Lowell,
Loxahatchee,
Lutz,
Lynn Haven,
Macclenny,
Macdill Afb,
Madeira Beach,
Madison,
Maitland,
Malabar,
Malone,
Manalapan,
Manatee Contract Branch,
Mango,
Marathon,
Marco Island,
Margate,
Marianna,
Maricamp,
Mary Esther,
Masaryktown,
Mascotte,
Matlacha,
Matlacha Isles,
Maxville,
Mayo,
Mc Alpin,
Mc David,
Mc Intosh,
Medley,
Melbourne,
Melbourne Beach,
Melbourne Village,
Melrose,
Melrose Vista,
Merritt Island,
Mexico Beach,
Miami,
Miami Beach,
Miami Gardens,
Miami Lakes,
Miami Shores,
Miami Springs,
Micanopy,
Micco,
Miccosukee,
Mid Florida,
Mid Venice,
Middleburg,
Midway,
Milligan,
Milton,
Mims,
Minneola,
Miramar,
Miramar Beach,
Miromar Lakes,
Molino,
Monticello,
Montverde,
Moore Haven,
Morriston,
Mossy Head,
Mount Dora,
Mount Pleasant,
Mount Plymouth,
Mt Pleasant,
Mulberry,
Murdock,
Myakka City,
N Fort Myers,
Naples,
Naranja,
Navarre,
Neptune Beach,
New Port Richey,
New Smyrna Beach,
Newberry,
Niceville,
Nichols,
Nobleton,
Nocatee,
Nokomis,
Noma,
North Bay Village,
North Cleveland,
North Fort Myers,
North Lauderdale,
North Miami,
North Miami Beach,
North Palm Beach,
North Port,
North Redington Beach,
North Venice,
Northdale,
O Brien,
Oak Hill,
Oakland,
Oakland Park,
Ocala,
Ocean Ridge,
Ochlockonee Bay,
Ochopee,
Ocklawaha,
Ocoee,
Odessa,
Ojus,
Okahumpka,
Okeechobee,
Old Town,
Oldsmar,
Olustee,
Olympia Heights,
Ona,
Oneco,
Opa Locka,
Orange City,
Orange Lake,
Orange Park,
Orange Springs,
Orchid,
Orlando,
Ormond Beach,
Osprey,
Osteen,
Otter Creek,
Overstreet,
Oviedo,
Oxford,
Ozona,
Pace,
Pahokee,
Paisley,
Palatka,
Palm Bay,
Palm Beach,
Palm Beach Gardens,
Palm Beach Shores,
Palm City,
Palm Coast,
Palm Harbor,
Palm Springs,
Palma Ceia,
Palmdale,
Palmetto,
Panacea,
Panama City,
Panama City Beach,
Parkland,
Parrish,
Pass A Grille Beach,
Paxton,
Pembroke Park,
Pembroke Pines,
Penney Farms,
Pensacola,
Pensacola Beach,
Perrine,
Perry,
Pierson,
Pine Hills,
Pinecraft,
Pinecrest,
Pineland,
Pinellas Park,
Pinetta,
Placida,
Plant City,
Plantation,
Plymouth,
Poinciana,
Point Washington,
Polk City,
Pomona Park,
Pompano Beach,
Ponce De Leon,
Ponce Inlet,
Ponte Vedra,
Ponte Vedra Beach,
Port Canaveral,
Port Charlotte,
Port Orange,
Port Richey,
Port Saint Joe,
Port Saint John,
Port Saint Lucie,
Port Salerno,
Princeton,
Pt Orange,
Punta Gorda,
Putnam Hall,
Quincy,
Raiford,
Ramrod Key,
Red Bay,
Reddick,
Redington Beach,
Redington Shores,
Redland,
Renaissance,
Reunion,
Richland,
Ridge Manor,
Ridge Manor Estates,
River Ranch,
Riverview,
Riviera Beach,
Rockledge,
Roseland,
Rosemary Beach,
Rotonda West,
Royal Palm Beach,
Royal Plm Beach,
Rubonia,
Ruskin,
Safety Harbor,
Saint Augustine,
Saint Cloud,
Saint George Island,
Saint James City,
Saint Leo,
Saint Lucie West,
Saint Marks,
Saint Pete Beach,
Saint Petersburg,
Saint Teresa,
Salt Springs,
San Antonio,
San Mateo,
Sanderson,
Sandestin,
Sanford,
Sanibel,
Santa Rosa Beach,
Sarasota,
Satellite Beach,
Satsuma,
Scottsmoor,
Se Central Contract Branch,
Sea Ranch Lakes,
Sebastian,
Sebring,
Seffner,
Seminole,
Seville,
Sewalls Point,
Shady Grove,
Shady Hills,
Shalimar,
Sidell,
Siesta Key,
Silver Springs,
Singer Island,
Sneads,
Sopchoppy,
Sorrento,
South Bay,
South Daytona,
South Florida,
South Miami,
South Palm Beach,
South Pasadena,
South Venice,
Southport,
Southwest Ranches,
Sparr,
Spring Hill,
Starke,
Steinhatchee,
Stock Island,
Stuart,
Sugarloaf,
Sumatra,
Summerfield,
Summerland Key,
Sumterville,
Sun City,
Sun City Center,
Sunny Hills,
Sunny Isles Beach,
Sunrise,
Suntree,
Surfside,
Suwannee,
Switzerland,
Sydney,
Tallahassee,
Tallevast,
Tamarac,
Tampa,
Tampa Palms,
Tangerine,
Tarpon Springs,
Tavares,
Tavernier,
Telogia,
Temple Terrace,
Tequesta,
Terra Ceia,
Terra Ceia Island,
The Villages,
Thonotosassa,
Tierra Verde,
Tiger Point,
Titusville,
Town N Country,
Treasure Island,
Trenton,
Trilby,
Trinity,
Tropic,
Uleta,
Umatilla,
Union Park,
University,
University Of Miami,
University Of Tampa,
University Park,
Valparaiso,
Valrico,
Venice,
Venus,
Vernon,
Vero Beach,
Viera,
Village Of Golf,
Village Of Palmetto Bay,
Virginia Gardens,
Wabasso,
Wachula,
Wacissa,
Wahneta,
Wakulla Springs,
Waldo,
Walnut Hill,
Warm Mineral Springs,
Watersound,
Wauchula,
Wausau,
Waverly,
Webster,
Weeki Wachee,
Weirsdale,
Welaka,
Wellborn,
Wellington,
Wesley Chapel,
West Beach Station,
West Hollywood,
West Melbourne,
West Miami,
West Palm Beach,
Westchase,
Weston,
Westville,
Wewahitchka,
White Springs,
Wilbur By The Sea,
Wildwood,
Williston,
Wilton Manors,
Wimauma,
Windermere,
Winter Beach,
Winter Garden,
Winter Haven,
Winter Park,
Winter Springs,
Woodville,
Worthington Springs,
Yalaha,
Yankeetown,
Ybor City,
Yeehaw Junction,
Youngstown,
Yulee,
Zellwood,
Zephyrhills,
Zolfo Springs,
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