Central Florida Real Estate Recap of July 2025

Nationwide reports show that mortgage rates have now dipped to their lowest point in nearly a year.


State of the Market

  • July’s interest rate was recorded at 6.5%, down from 6.7% in June. This is the lowest interest rates have been in 2025.
  • Overall sales increased by 1.5% from June to July. There were 2,513 sales in June and 2,551 sales in July.
  • Inventory for July was recorded at 13,557, down 1.7% from June when inventory was recorded at 13,793.
  • New listings fell 1.7% from June to July, with 3,788 new homes on the market in July, compared to 3,854 in June.
  • Pending sales decreased 5.2%, with 3,976 in June and 3,771 in July.
  • Homes spent an average of 69…

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The Impact of Tariffs on Housing Costs in the U.S. 

 

If you’ve been keeping an eye on the housing market, you’ve likely seen prices on the rise, and it’s not just because of high demand. Tariffs on imported construction materials are also driving up costs. When materials become more expensive, building new homes costs more, which pushes home prices higher and makes affordability a growing concern.

Understanding how tariffs influence housing costs is important for anyone planning to buy or sell. A closer look at these factors can give you the insight you need to make confident, well-informed decisions in today’s market.

What Are Tariffs and Why Do They Matter in Real Estate?

Tariffs are taxes imposed on imported goods. In the context of…

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How Much Is a Cash Offer Worth in Real Estate Deals?

How much is a cash offer worth

When you're selling your home, one of the biggest questions you may face is how much a cash offer is actually worth. A cash offer means the buyer is not relying on a mortgage loan and instead uses their own funds to purchase the property. While these offers are sometimes lower than those that include financing, they come with unique advantages. The real value of a cash offer often goes beyond the price. It includes the speed, certainty, and simplicity of the transaction. Understanding these trade-offs can help you decide which type of offer is truly best for your situation.

Weighing Cash Offers Against Higher Financed Bid

According to the Federal Deposit Insurance Corporation (FDIC), cash…

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How Mortgage Rate Buydowns Make New Homes More Affordable in Florida

How Rate Buydowns Help You Afford a New Florida Home

Buying a home in Florida has become increasingly challenging, with mortgage rates remaining high and home prices continuing to rise. For many buyers, especially those entering the market for the first time, the monthly payments can feel excessive. One strategy gaining traction is the mortgage rate buydown. This approach allows buyers to reduce their interest rate, either temporarily or permanently, by paying upfront fees or through seller or builder concessions. In a market where affordability is a concern, acknowledging how mortgage rate buydowns work can be a valuable tool for making homeownership more attainable.

What Is a Mortgage Rate Buydown and How Does It Work?

A…

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New Florida Condo Bill in 2025: What It Means for Homeowners & Buyers

The new Florida condo bill brings significant changes that directly impact homeowners and buyers across the state. With a focus on structural safety, financial preparedness, and enhanced transparency, these legislative updates aim to ensure the long-term stability and security of condominium living. If you own or are considering purchasing a condo in Florida, understanding these changes is key to making informed decisions in the current real estate landscape.

What’s Inside the New 2025 Florida Condo Legislation

In 2025, Florida enacted House Bill 913 and Senate Bill 1742 to address ongoing concerns in the condominium sector. While the tragic Surfside condominium collapse in…

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Central Florida Real Estate Recap of June 2025

We are seeing a nationwide trend of sellers pulling their listings after not receiving the price they were hoping for.




State of the Market

  • New listings fell 8.4% from May to June, with 3,854 new homes on the market in June, compared to 4,208 in May.
  • Inventory for June was recorded at 13,793, down 1.2% from May when inventory was recorded at 13,957.
  • Overall sales decreased by 1.5% from May to June. There were 2,551 sales in May and 2,513 sales in June.
  • Pending sales decreased 6.2%, with 4,238 in May and 3,976 in June.
  • Homes spent an average of 67 days on the market (DOM) in June – down slightly from 68 in May.
  • The median home price for June was recorded…

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New Florida HOA Laws in 2025: What Homeowners Need to Know

 

As of January 1, 2025, Florida's updated Homeowners’ Association (HOA) regulations, introduced through House Bill 1203 (HB 1203), are now fully in effect. Originally passed in mid-2024, these changes were designed to strengthen homeowner rights, increase transparency, and hold HOA boards more accountable.

For homeowners living in HOA communities, understanding these new rules is key to protecting your property, staying compliant, and knowing your rights and responsibilities under Florida law.

What are the New Florida HOA Laws in 2025 and How Do They Impact Homeowners?

House Bill 1203, signed into law by Governor Ron DeSantis on May 31, 2024, brought comprehensive reforms to…

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How to Stop HOA Foreclosure in Florida 

It’s a common belief that only banks can foreclose on a home, but in Florida, homeowners' associations (HOAs) also have the legal authority to initiate foreclosure proceedings for unpaid dues. This means that even if your mortgage payments are current, falling behind on HOA assessments can put your property at risk. Grasping what triggers and how to stop HOA foreclosure in Florida is key for homeowners facing financial difficulties. It helps you take informed steps to protect your home and financial well-being.

What Triggers an HOA Foreclosure in Florida?

When a homeowner fails to pay HOA assessments, dues, or fines in Florida, the association can place a lien on the property. If the delinquency exceeds…

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How Much HOA Fee Is Too Much? A Guide for Florida Homeowners 

How Much HOA Fee Is Too Much? A Guide for Florida Homeowners

With Florida HOA fees climbing alongside insurance rates and maintenance costs, many homeowners are asking the same question: How much HOA fee is too much? As monthly dues rise across the state, it’s worth looking closely at what those fees actually cover—and whether they reflect fair value.

Deciding what counts as “too much” isn’t just about the number. It’s about weighing the services provided, the financial health of the community, and how your dues compare in today’s shifting real estate market. Here’s how to break it down.

What Are HOA Fees and What Do They Cover?

Homeowners Association (HOA) fees are regular payments made by residents to maintain and enhance the shared…

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How to Buy a New Construction Home in Florida

 

 Looking to buy a new construction home in Florida? Whether you're drawn to the vibrant lifestyle of Orlando, the resort-style living in Davenport, or the family-friendly charm of Clermont, Central Florida is filled with exciting new communities. These homes offer the latest in design trends, energy efficiency, and smart technology—plus the chance to personalize your space from the ground up.

But buying new construction is different from purchasing a resale home. It comes with unique timelines, builder contracts, customization options, and inspections. This guide will walk you through everything you need to know to buy a new construction home in Florida—step by step.

What Is a New Construction…

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