What financial surprises catch relocation buyers off guard in Sarasota?

One of the biggest surprises for homeowners relocating to Sarasota is the true cost of ownership, especially insurance. Homeowners and flood insurance can vary significantly based on location, elevation, construction type, and proximity to the coast. HOA and CDD fees can also add meaningful monthly costs if they’re not clearly explained upfront. At The Graf Group, we make transparency a priority for every relocation client. We walk through insurance estimates, HOA and CDD obligations, and total monthly carrying costs before you ever commit to a home. Our goal is to ensure you understand not just the purchase price, but what day-to-day ownership really looks like in Sarasota. When everything is clearly laid out from the beginning, there are no financial surprises later, and your relocation feels confident, comfortable, and well planned rather than stressful.