Helpful Tips for Buying a Condo on Florida’s Gulf Coast

Written By Jennifer Horvat

What Every Buyer Should Know Before Signing on the Dotted Line

Buying a condo on Florida’s Gulf Coast is an exciting step toward sun-soaked days, stunning sunsets, and a lifestyle many dream about. But before you jump in, it’s important to understand the unique considerations that come with condo ownership in our coastal communities.

As your River Wilderness neighbors and your trusted real estate team, the Florida Home Girls are here to make your condo-buying experience smooth, informed, and stress-free. Whether you're searching in Sarasota, Bradenton, Longboat Key, Anna Maria Island, Venice, or any of our beautiful coastal towns—here’s what you need to know.

1. PET POLICIES: Fido May Not Be As Welcome As You Think

If you have a furry family member, this is the first question you should ask.

Many Florida Gulf Coast condos have strict pet rules, including:

  • Dog weight limits (20–35 lbs is common)

  • Breed restrictions

  • Number of pets allowed

  • No-dog buildings (yes, they exist!)

Even if a listing says “pet friendly,” always review the condo documents. Policies can vary drastically from building to building, and rules tend to be strictly enforced.

2. TRUCK PARKING: Because Not Every Vehicle is Approved

This one surprises many buyers!

Some condo associations—especially older ones—prohibit trucks entirely.
Why? Historically, trucks were associated with:

  • Work vehicles

  • Ladder racks

  • Commercial signage

  • Open beds filled with tools

Aesthetically, they weren’t considered “residential.”
Even today, some buildings still enforce these restrictions.

If you drive a pickup, even a nice one, ask these questions early:

  • Is truck parking allowed?

  • Are bed covers required?

  • Is overnight parking restricted?

  • Is commercial writing allowed?

A quick note: Many buildings are relaxing these rules as trucks have become more upscale, but it’s absolutely something to verify before you fall in love with a condo.

3. HOA FEES & WHAT THEY REALLY INCLUDE

Not all condo fees are created equal.
On the Gulf Coast, condo fees often cover more than you expect—sometimes saving you money overall.

You may see fees include:

  • Cable or streaming packages

  • Water

  • Sewer

  • Trash

  • Exterior maintenance

  • Insurance for the building

Most importantly, part of your HOA fee should go toward reserves—a savings account for future repairs and improvements. Strong reserves can prevent costly special assessments.

When buying, always request:

  • A full HOA budget

  • Year-to-date expenses

  • Reserve study (if available)

  • Documents showing any pending assessments

This is where working with knowledgeable agents (hi, that’s us!) becomes invaluable.

4. STRUCTURAL INSPECTIONS: Florida’s New Reality

Florida has new statewide requirements for structural integrity inspections in multi-story condo buildings—especially those with three stories built over parking. These rules are meant to ensure long-term safety and prevent deferred-maintenance issues.

Before buying, find out:

  • When the building’s last inspection was completed

  • What the report showed

  • Whether repairs or upgrades were recommended

  • Whether any assessments are planned

For a deeper dive into recent law changes and how they affect condo buyers, we love this overview from our friends at Berlin Patten:
Condominiums & Cooperatives: Recent Changes to Florida Law and Contract Riders
(Just search the title on Berlin Patten’s website!)

5. SHORT-TERM RENTAL RULES: Not All Buildings Allow Airbnbs

If you're planning to rent out your condo—occasionally or often—pay close attention to:

  • Minimum rental periods (30 days, 90 days, or even 1 year)

  • Number of leases allowed per year

  • Approval process for tenants

Rental rules greatly impact both lifestyle and investment potential.

6. STORAGE & PARKING: A Bigger Deal Than You Think

Gulf Coast living often comes with toys:

  • Beach chairs

  • Bikes

  • Kayaks

  • Golf clubs

Storage varies widely by building. Some offer private closets, some shared storage rooms, and some… none at all.
Same goes for parking—assigned vs. covered vs. under-building vs. open.

These small details can make a big difference in day-to-day happiness.

7. INSURANCE: Know What’s Covered—and What Isn’t

In most condo buildings, the association covers:

  • Roof

  • Exterior

  • Common areas

  • Master building insurance

You are responsible for:

  • Interior walls

  • Flooring

  • Cabinets

  • Appliances

  • Personal belongings

This is called an HO-6 condo insurance policy. Understanding what the HOA covers can help you avoid gaps in protection.

8. AMENITIES & LIFESTYLE: The Fun Part!

Don’t forget to review:

  • Pool rules

  • Guest parking

  • Clubhouse access

  • Elevators

  • Security

  • Community events

Condos often offer an incredible lifestyle—but only if the amenities match your needs.

Final Thoughts

Buying a condo on the Florida Gulf Coast is an exciting step toward a laid-back, sun-filled lifestyle. With the right information—and the right real estate team—you can find a community that fits your personality, your pets, your vehicles, and your future plans.

If you’re thinking about making a move, the Florida Home Girls are here to help guide you with local expertise, neighborhood insights, and a little fun along the way.

Jennifer Horvat
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