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Does Flood Insurance Transfer When You Buy a Home in Key West?
Can You Assume the Seller's Flood Insurance in Key West? Yes. Federal flood insurance policies through the National Flood Insurance Program (NFIP) are assumable by the buyer. If the seller has an existing NFIP policy, you can take it over at their grandfathered rate — premiums and all. In Key West,
Florida's New Flood Disclosure Law: What Key West Home Sellers Must Know
What does Florida's flood disclosure law require home sellers to do? Florida's amended Statute §689.302 (expanded by SB 948, effective October 1, 2025) requires residential sellers to provide buyers with a separate, standalone Flood Disclosure Form before or at the time the purchase contract is sign
Closing Costs for Buyers in Key West: A Complete Breakdown
What are the closing costs for buyers in Key West, Florida? Buyers purchasing a home in Key West typically pay 2%–5% of the purchase price at closing if financing, or 1%–3% if paying cash. On a $1.5 million financed purchase, expect roughly $35,000–$55,000 in total closing costs—including Monroe Cou
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