Buying a condo in Florida: the complete guide for Canadians (2026)
Everything you need to know before buying a Florida condo: the 2026 market region by region, post-Surfside laws, 20 questions for the association, every cost, financing, estate planning and resale. So you buy knowing exactly what you're getting into.
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What's inside
- The essentials on one page: the 10 numbers to know and 5 golden rules.
- The 2026 market, region by region: median prices, months of inventory and time to contract in 11 regions, and why two measures tell two stories.
- Why prices fell: milestone inspections, structural reserve studies (SIRS), special assessments, insurance.
- Opportunity or trap? Both sides, with numbers, and the exchange-rate effect.
- The 12-step buying process, with a typical timeline and remote closing from Canada.
- The Florida purchase contract explained, clause by clause.
- 20 questions to ask the association.
- Reading a SIRS, an inspection report and a budget, with fill-in tables.
- 12 red flags.
- Every cost: closing costs, property tax, insurance, annual cost in US and Canadian dollars.
- Financing and converting your money: cash, cross-border banks, home equity line, 4 ways to convert.
- Whose name to buy in: structures, US estate tax, Florida probate.
- Renting out your condo and selling someday.
- Appendices: law timeline, glossary, printable checklist, ready-to-send email to the association.
What the guide helps you avoid
- Buying in a building with underfunded reserves, then getting a special assessment of tens of thousands of dollars.
- Missing the 7-business-day cancellation window (many guides still say 3 days).
- Paying 2% too much on currency conversion: about C$8,500 on a US$300,000 condo.
- Choosing an ownership structure that leads to double taxation.
- Falling for wire fraud at closing.
Who it's for
Canadians considering a Florida condo for winters, rental income or both. The guide isn't investment advice: it doesn't tell you whether or when to buy. It gives you the facts, both sides and the right questions for your agent, lawyer and tax professional.
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General information current as of October 2026, from official sources and public market data. Not legal, tax, financial or investment advice. Secure payment by Payhip. See the terms of sale (instant delivery, 30-day money-back guarantee). Questions? See the Contact page.