What is PMI, and when can it come off a mortgage on the Space Coast?

Private mortgage insurance is usually required on a conventional loan with less than 20 percent down. You can ask to cancel at 80 percent of the original value, and it generally ends …

When do you get your Closing Disclosure, and what should you compare it to?

Your lender must provide the Closing Disclosure three business days before your scheduled closing. Compare it line by line with your Loan Estimate before you sign anything on your Space Coast purchase.

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Who maintains the retention pond and swales in a Brevard County neighborhood?

In most residential areas, Brevard County's stormwater guide says the developer hands the permit and the legal maintenance duty to the homeowners association, which covers the labor and cost.

Walk almost any neighborhood on …

What is the difference between replacement cost and actual cash value on a Florida homeowners policy?

Replacement cost pays what it costs to replace the item today. Actual cash value pays that cost minus depreciation. Your policy decides which one applies to your Brevard County home.

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Can Florida homeowners still sign an assignment of benefits after storm damage?

Not on newer policies. Florida law prohibits assigning post-loss benefits under residential property policies issued on or after January 1, 2023, so Space Coast homeowners keep control of their own claims.

After a hurricane …

What is Kiwanis Island Park in Merritt Island, Florida?

Kiwanis Island Park is an 18-acre Brevard County park at 951 Kiwanis Island Park Road in Merritt Island, FL. It has a boat ramp, fishing dock, lighted tennis and racquetball courts, pavilions, and a gym.

Merritt Island …

What is Increased Cost of Compliance coverage on a flood policy in Brevard County, Florida?

Increased Cost of Compliance (ICC) is a National Flood Insurance Program benefit of up to $30,000 that helps pay to bring a flood-damaged building into line with local floodplain rules. It can …

What is Florida's flood disclosure form, and what does it mean for Brevard County sellers and buyers?

Under Florida Statute 689.302, residential sellers must give buyers a flood disclosure at or before the time the sales contract is signed. The law took effect October 1, 2025, and …

How much do Florida documentary stamps add to a seller-financed sale in Brevard County, FL?

Florida charges documentary stamp tax of 35 cents per $100 on a promissory note, capped at $2,450 per document. On a seller-financed home in Brevard County on the Space Coast, that tax …

What does a deed need to be recorded in Brevard County, Florida?

Under Florida Statute 695.26, a deed needs printed names under every signature, legible addresses for the people involved, the preparer's name and address, and reserved blank space at the top of the first page for …