I am in the Tarpon Springs, FL area and have come to a dilemma in my life that affordable housing is just getting to stinking expensive. About a year ago my house burned down due to a neighbors fun time with a propane grill
caught the side of his house on fire, I was not home at the time and by the time someone realized the house was on fire and called 911, the winds carried the fire onto my house which leads to totally burning my house down to a level considered not-repairable, but the neighbors house suffered minor fire damage due to the direction of the winds and him using water
on his own house to control the fire.
Anyways I bought that house in 2008 when housing was very very affordable and paid 58k for the 3 bed/ 2 bath/ 2 car garage house with taxes
only in the $400s annually due to homestead. Long story short, the house is totally washed and deemed to structurally gone to rebuild
, so i received a payout for the replacement value, because after wanting to rebuild
the house through insurance
i was told due to new county laws, permitting, and building code the house would have to be built much more narrow and because the structure of the plans drastically changes, the insurance
company denied rebuilding and just cut me a check without giving me the option to choose ultimately. The sad part is this, Insurance only pays your "replacement value", which is the price
for them to duplicate your old house, but with the recent crazy housing prices, the market value of the houses in the area are much higher than replacement value, which I've been dealing with a lawyer over to go after the neighbors insurance.
Anyways, Ive been house shopping
and just looking at houses priced at the amount i was payed for replacement cost has just been depressing, to buy again in the same neighborhood is just joke requiring me to come out of pocket another 75-100k over what i have to drop on a house. Then god bless the amount of taxes
on housing now is just gotten out of control, cant find a 2 car garage house in tarpon springs, fl without ending up with a 2500+/yr tax bill, so i have been thinking of boats, when i was younger my father was huge into sailing and we had a smaller 27 ft sail boat we would go out on weekend trips as a family
and i really enjoyed that back then, so looking into the affordability of living on a boat, because im seeing some decently nice boats in the price
i have in cash to pay... my question is on the cost of slip fees
I know my father lived on a Bayliner 4788 before he passed away, he used that boat to do the great loop.