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Homeowners insurance in Tampa is currently expensive, with premiums significantly higher than the national average due to the area’s vulnerability to hurricanes and severe weather. Many insurers have raised rates or pulled out of Florida entirely, making it challenging for homeowners to secure affordable coverage. These rising costs impact everyone - buyers, investors, and sellers, as higher premiums can affect affordability and influence home sale prices and cash flow. The closer you get to the coast, the more prolific the premiums increase.
Average closing costs for homebuyers in Florida, including Tampa, typically range from 2% to 5% of the home's purchase price, depending on factors like loan type, lender fees, and local taxes. For example, on a $300,000 home, closing costs could range from $6,000 to $15,000. Common expenses include loan origination fees, appraisal and survey costs, property insurance, title insurance, and property taxes.
Sellers also have closing costs, often higher due to real estate agent commissions, averaging around 6% to 8% of the sale price. Exact amounts vary, so it’s important to review a detailed estimate from your lender or agent.
Real estate activity shifts with the seasons. Spring and summer bring more inventory and higher buyer demand, often driving up prices due to competition. Fall and winter typically see fewer listings and buyers, creating opportunities for more negotiation. Timing your sale or purchase around these trends can help you maximize your results. It's not necessarily "bad timing" to buy in the summer or sell in the winter.
Typically, it takes 30 days to close on a residential property. It can take longer if significant repairs are involved.
Commercial investments can take 45-60 days.
Common contingencies include financing (the buyer must secure a loan), home inspection period (the buyer can negotiate or back out if major issues are found), and appraisal (the home's value must meet or exceed the sale price). This gives the buyer some protections and time needed to make informed decisions on the quality of the house.
I put my listings in front of the most qualified buyers in the market.
If you want your property to be displayed in the best possible light, let's talk.
Reviews
Highly likely to recommend
“Dillion is super professional and responsive. It has been a pleasure working with him.”
Highly likely to recommend
“It was our first RE investment/first home purchase and we couldn't ask for a better agent than Dillon! Our experience was smooth mainly because Dillon has great comminication skills and amazing insight in the industry. He kept us updated and confident throughout the whole process. And I have to add, he is just a great person who genuinely likes to help others, which makes him a no-brainer choice when looking for an agent. Grateful for his help!”
Highly likely to recommend
“I was a new out of state investor working with Dillon. He was able to set up property searches based on my investment interests. Periodically, he would send me properties that he underwrote himself and I would periodically send him ones that I looked at from the search as well. In this high interest rate environment we were able to find a property that cash flow and close on it. Dillon was able to walk the property for me and I leveraged his connections to a home inspector to quickly get a home inspection done before we made an offer on the property. I was also able to leverage his connection to a lender and a property manager which made the process of getting a cash flowing property smooth.”
Highly likely to recommend
“Dillon worked diligently to sell my condo and get me the best price possible. Even with a few bumps in the road, he ensured everything went smoothly and was taken care of.”
Highly likely to recommend
“This is the second time that I’ve had the pleasure of working with Dillon for the sale of my property, and I couldn't be more pleased with the experience. From the beginning Dillon was professional and genuinely committed to my best interests. When discussing how to best market the property, he walked me through different scenarios on what I could do to get the best offer. Dillon’s insight on the market led to a quick and painless transaction. I highly recommend Dillon Cook to anyone looking to sell or buy property. His dedication, knowledge, and client-focused approach truly set him apart in the field of real estate. Thanks for all your help.”
Highly likely to recommend
“Dillon went above and beyond as our closing got delayed time and time again. He was fantastic to work with, highly recommend his service!”
Highly likely to recommend
“I’ve bought and sold homes on several occasions, but my recent home buying experience with Dillon, by far, was the best yet. He was extremely responsive, professional, honest, well informed, and he did an amazing job negotiation on my behalf. I’ll be using him again and I highly recommend his services.”
Highly likely to recommend
“A+++, absolutely fantastic service and communication.”
Highly likely to recommend
“I've worked with Dillon multiple times and he is by far my preferred agent to work with whenever I'm doing business in Florida. He is knowledgeable, reliable, friendly, and well-connected in the real estate community - on more than one occasion his connections have allowed me to find better deals than I would have otherwise. I wholeheartedly recommend Dillon if you are looking for an agent.”
Highly likely to recommend
“I just started working with Dillon, and so far he has been very knowledgable and easy to work with.”