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20-09-2016, 14:31
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#46
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Registered User
Join Date: Aug 2012
Location: Tampa
Boat: Island Packet 31
Posts: 29
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Re: Opinions on relocation for sailing purposes.
I live and sail the West Coast of Florida from Tampa. It's hot, but bearable once you get used to it. Many places go, lots to do, many yards and marinas, although I spend most of my time on the hook when traveling.
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20-09-2016, 16:04
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#47
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Registered User
Join Date: May 2015
Location: Oriental NC
Boat: Catalina 400
Posts: 70
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Re: Opinions on relocation for sailing purposes.
A second vote for Oriental!
Great community, friendly small town.
You get 4 distinct seasons, three good for sailing.
Lots of available marinas and docks, from basic to posh.
Several destinations within a weekenders range.
Ocracoke, Beaufort, New Bern, Belhaven.
Jump off for the Carib from Beaufort, or north on the ICW to the Chesapeake. Nice.
We love it
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20-09-2016, 16:24
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#48
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Registered User
Join Date: May 2016
Location: mackay, queensland. australia
Boat: e.a jack (builder), g.l watson (designer), 6.2 mtr wll sailboat
Posts: 532
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Re: Opinions on relocation for sailing purposes.
buy the bluewater keel boat that you are aiming for / live aboard in a marina suitable for schooling, commuting needs / sail your boat whenever you can / then you are relocating for sailing purposes
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20-09-2016, 17:48
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#49
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Registered User
Join Date: Jul 2008
Location: Keehi Lagoon, O'ahu
Boat: Pearson 424 Ketch
Posts: 158
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Re: Opinions on relocation for sailing purposes.
If you plan on buying a boat in 5 years, then why buy a house? I would recommend buying the yacht of your dreams and living aboard. The place? Honolulu. Perfect sailing weather year round. Great marinas and fun boating community. You could build your skills in a beautiful area.
We keep our 42' ketch in a secure marina just 15 minutes from downtown. Our two sons live aboard full time. We spend the winter months there hiding from the Atlanta cold. The west end of O'ahu has a beautiful marina in a huge resort/beach property.
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20-09-2016, 17:54
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#50
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Registered User
Join Date: Apr 2006
Location: Virginia
Posts: 958
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Re: Opinions on relocation for sailing purposes.
Another thing to consider while weighing costs of waterfront/coastal properties. Not listed in the selling price is the cost of flood insurance. If you are intent on buying be careful to check the latest flood zone maps and enquirer as to how much home insurance will cost you. What you assume your mortgage will cost based on selling price can quickly double due to insurance requirements.
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20-09-2016, 18:09
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#51
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Registered User
Join Date: Jun 2014
Location: Up the mast, looking for clean wind.
Boat: Currently Shopping, & Heavily in LUST!
Posts: 5,629
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Re: Opinions on relocation for sailing purposes.
Quote:
Originally Posted by Kalinowski
If you plan on buying a boat in 5 years, then why buy a house? I would recommend buying the yacht of your dreams and living aboard. The place? Honolulu. Perfect sailing weather year round. Great marinas and fun boating community. You could build your skills in a beautiful area.
We keep our 42' ketch in a secure marina just 15 minutes from downtown. Our two sons live aboard full time. We spend the winter months there hiding from the Atlanta cold. The west end of O'ahu has a beautiful marina in a huge resort/beach property.
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What's slip availability like, ditto on their cost (per location)? Also, what's the plan when a hurricane or major storm heads that way?
I'm asking not to knock the place, but because I'm geniunely curious, but don't know. And that these are common problems.
I do like your migratory nature. Frostbite vs. sunburn... Um, not a tough choice
__________________
The Uncommon Thing, The Hard Thing, The Important Thing (in Life): Making Promises to Yourself, And Keeping Them.
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20-09-2016, 19:15
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#52
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Registered User
Join Date: Jan 2016
Posts: 26
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Re: Opinions on relocation for sailing purposes.
Quote:
Originally Posted by Gadagirl
Another thing to consider while weighing costs of waterfront/coastal properties. Not listed in the selling price is the cost of flood insurance. If you are intent on buying be careful to check the latest flood zone maps and enquirer as to how much home insurance will cost you. What you assume your mortgage will cost based on selling price can quickly double due to insurance requirements.
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In eastern NC, the hurricane wind insurance (state policy) is worse than the flood insurance (federal policy). The state pretty much dictates a standard hurricane wind insurance policy. I inquired about increasing the deductible to lower the premium and was actually quoted a higher premium.
Mike
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20-09-2016, 21:23
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#53
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Registered User
Join Date: Jul 2015
Location: KC, MO
Boat: right now 2 14' lasers
Posts: 24
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Re: Opinions on relocation for sailing purposes.
Ugh flood AND wind insurance? Ok that officially sucks. So your telling me to buy a 300k house on the eastern seaboard with 40℅ down would be roughy1.2k month. But with flood/wind insurance it would be 2.4k?
Edit: Helpful website
https://www.floodsmart.gov/floodsmar...sSearch.action
Sent from my Nexus 6P using Cruisers Sailing Forum mobile app
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20-09-2016, 21:55
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#54
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Registered User
Join Date: Jul 2015
Location: KC, MO
Boat: right now 2 14' lasers
Posts: 24
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Re: Opinions on relocation for sailing purposes.
Bad link 👆. Try this one:
https://www.floodsmart.gov/floodsmart/
Sent from my Nexus 6P using Cruisers Sailing Forum mobile app
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21-09-2016, 02:19
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#55
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CF Adviser Moderator Emeritus
Join Date: Sep 2007
Location: Virginia
Boat: Island Packet 380, now sold
Posts: 8,942
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Re: Opinions on relocation for sailing purposes.
When we bought a place on the Chesapeake Bay in Virginia, it was easy to find a lot that was outside of the zone that required flood insurance. I believe it was >10 feet above MLW or something like that. Our homeowners insurance was priced just like any lot off the water. The flood zone maps are available from the counties.
__________________
Hud
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21-09-2016, 08:38
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#56
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Registered User
Join Date: Jan 2016
Posts: 26
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Re: Opinions on relocation for sailing purposes.
Quote:
Originally Posted by Binarysailor
Ugh flood AND wind insurance? Ok that officially sucks. So your telling me to buy a 300k house on the eastern seaboard with 40℅ down would be roughy1.2k month. But with flood/wind insurance it would be 2.4k?
Edit: Helpful website
https://www.floodsmart.gov/floodsmar...sSearch.action
Sent from my Nexus 6P using Cruisers Sailing Forum mobile app
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No, the insurance isn't that expensive. On a $300K house, the flood insurance is about $1100 annually. My house is elevated 1 ft above the 100 year flood level, it may be more if the house is not above the 100 year flood level. I think the wind/hail coverage from the state is about $1500 annually. This is on top of the fire insurance coverage. You don't have to have the insurance unless you have a mortgage.
Mike
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21-09-2016, 14:03
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#57
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Registered User
Join Date: Nov 2012
Location: Swansea, MA
Boat: CLC Skerry
Posts: 253
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Re: Opinions on relocation for sailing purposes.
What about Chesapeake Bay? Also, I would rule out buying a house. Taxes, fees, repairs, and insurance will eat up at least the first 5 years of appreciation. As a homeowner, you will grow roots in the home and community, and this will make it harder to leave it behind. Rent a nice condo and keep your options open.
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21-09-2016, 14:25
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#58
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Marine Service Provider
Join Date: Jan 2011
Location: St. Petersburg, FL
Boat: Retired Delivery Capt
Posts: 3,683
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Re: Opinions on relocation for sailing purposes.
Quote:
Originally Posted by Binarysailor
Ugh flood AND wind insurance? Ok that officially sucks. So your telling me to buy a 300k house on the eastern seaboard with 40℅ down would be roughy1.2k month. But with flood/wind insurance it would be 2.4k?
Edit: Helpful website
https://www.floodsmart.gov/floodsmar...sSearch.action
Sent from my Nexus 6P using Cruisers Sailing Forum mobile app
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You NEED to do some research. Houses off the water will run above $300. On the water 2-3X that. A $300k condo will carry a healthy monthly condo fee.
Suggest you figure out what type of sailing you want to do. Sailing SE FLA, you go out an inlet and are sailing in the ocean. The GS is a few miles off the coast and affects navigation just a mile or so off the coast. Ocean sailing is a very different type of sailing than Tampa Bay or down in Punta; winds 15-20- seas 4-6 in Atlantic, 1' chop in the bay. Even the open GOM on a norm is very different than the Atlantic.
Finally, suggest you check the job market down here- very different than elsewhere.
Hate to be a grinch, but your posts seem to indicate that you need to do some more homework.
__________________
"Whenever...it requires a strong moral principle to prevent me from deliberately stepping into the street, and methodically knocking people's hats off- then, I account it high time to get to sea..." Ishmael
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21-09-2016, 17:03
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#59
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Registered User
Join Date: Jul 2015
Location: KC, MO
Boat: right now 2 14' lasers
Posts: 24
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Re: Opinions on relocation for sailing purposes.
Thanks Snore!
Sounds like SE FLA is where I want to be. Some day I aspire to be an old crusty salt like you. 50 ton endorsement isn't anything to snore about.
As far as housing the 300k was an example of a 3b/3ba house I was looking on Zillow with a dock in Palm Coast Fla. I can pm you the link if you are in the market.
No worries abt jobs. Like I said earlier I'm in allied healthcare and have Fla recruiters on my phone/email daily. Seems they have an abnormally high number of elderly people in Fla that would benefit from my services.
I don't think your being a Grinch. You're just adding a bit of salty reality flavor to my budding aspirations. Thanks for your response.
Sent from my Nexus 6P using Cruisers Sailing Forum mobile app
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21-09-2016, 17:24
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#60
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Registered User
Join Date: Feb 2014
Location: Palm Coast Florida
Boat: 2018 Seadoo GTX 230
Posts: 1,059
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Re: Opinions on relocation for sailing purposes.
Palm Coast is a very nice area of Florida. The down side is it does not have access to the ocean. It is probably 35 miles to a reliable inlet out to the ocean either at St. Augustine or Ponce Inlet in south Daytona.
Sent from my SM-G360V using Cruisers Sailing Forum mobile app
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