This page collects every Market Update guide Adams Cameron has published about buying and owning a home in Volusia and Flagler County, 168 so far, grouped by what you are trying to figure out. We add each new guide here the day it goes live.
If Amendment 3 passes on November 3, most Volusia County homeowners would see a much bigger homestead exemption on their county and city taxes, starting with the bills that arrive in November 2027. The catch is timing. People who are Florida residents by December 31, 2026 would qualify for the larger exemption right away, and people who arrive after that would wait years for it.
That second point is why this matters to buyers as much as owners. We have already had clients ask whether they should close before New Year's, and whether a house they are looking at will cost less to own in two years than it does today. Here is what the amendment actually does, what it would mean in real dollars in Volusia County, what it does not touch, and how to think about it if you are buying or s...
Yes, owner financing is legal in Florida, and it works simply: the seller acts as the bank. Instead of the buyer getting a mortgage from a lender, the seller takes a down payment and the buyer pays the rest over time, secured by a mortgage the seller holds on the home, at a rate Florida caps at the equivalent of 18% a year for loans up to $500,000. Done properly, it can open doors for buyers who don't fit a bank's box. Done carelessly, it can cost either side the house.
We get asked about owner financing constantly, by buyers searching for owner-financed homes and by sellers wondering whether offering terms would help their home sell. This guide explains how a Florida owner-financed sale is actually structured, what it costs at closing, the federal and state rules both sides nee...
Palm Coast is a good place to live if you want a newer, quieter Florida city built around water, trails and parks, with the ocean a short drive away. It is a harder fit if you want a walkable historic downtown, big-city nightlife, or a home you can walk from to the beach. The city of nearly 115,000 people was only incorporated in 1999, and that single fact explains most of what people love about it and most of what they miss.
We show homes in Palm Coast every week, often to buyers who are also looking in Ormond Beach, Flagler Beach and the Daytona Beach area. This is the honest version of what we tell them: what daily life actually looks like, how the neighborhoods differ, what homes cost to own, and the trade-offs to weigh before you choose it.
Latitude Margaritaville Daytona Beach is a 55+ community of 3,763 homes, and every home you can buy there today is a resale, because the builder has sold out. That changes how you shop it. You are no longer choosing a floor plan and a lot from a sales center. You are buying a lived-in home from an owner, with an HOA, age rules and closing fees that are easy to overlook.
This guide covers what the monthly fees actually include, how the 55+ rules work, what to check on a resale that a new-construction buyer never had to think about, and who this community is honestly a good fit for, and who it isn't.
The community was built as an active 55+ neighborhood around a theme of music, food and a laid-back island feel. Most buyers come for the so...
Your Volusia County property tax bill is your home's taxable value multiplied by the combined tax rate of every government that serves your address, and the number a buyer sees on a listing is almost never the number they will pay. The seller's exemptions and capped value stay with the seller. Yours start over.
That gap is the single most common surprise we see after a closing. This article explains how the bill is built, why two neighbors pay very different amounts, how to estimate your own bill before you make an offer, and the calendar that governs every payment.
Florida property taxes come down to two numbers. One is your home's taxable value. The other is the millage rate.
A mill is one dollar of tax for every...
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