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Destination Florida

Meet Jeff Cave

I have a strong connection to Montreal as I grew up in St. Lambert and still maintain close ties with friends and family on the South Shore. Having lived on both sides of the border, I offer invaluable insights into the specific needs of Canadian home buyers. My track record includes successfully helping numerous Canadians secure seasonal, golf, and permanent homes in Southwest Florida. My familiarity with the real estate process and considerations for Canadians relocating to the Sarasota area is a genuine asset to my clients.

Whether you are looking for a vacation getaway or planning a full-time relocation, I have the experience and knowledge to help Canadian buyers find their ideal Florida home. As a licensed Realtor, I understand the intricacies of real estate transactions and the challenges of moving internationally and across the U.S. I'm dedicated to guiding my clients through these transitions smoothly. I work closely with each individual to understand their unique requirements and provide tailored, professional guidance.

My credentials as an Accredited Buyer's Representative and Certified International Property Specialist highlight my expertise. Additionally, I am a member of the Canadian Real Estate Association Global Affiliate (CREA Global). I am committed to delivering excellent service and assisting clients in finding their perfect homes.

Outside work, I love spending quality time with my wife and three rescue dogs, enjoying Sarasota's dining and culture, and exploring the region's beautiful trails and beaches.

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Community of the Week

The Islands on Manatee River  
Welcome to The Islands on the Manatee River, a private gated waterfront boating community nestled among world class golf courses that celebrates Florida’s natural beauty. Voted "Best Community" in the Sarasota-Bradenton Parade of Homes for the last 8 years. We’ve just released our final neighborhood of Rio Vista  Estates, our highly sought after homesites directly on the Manatee River. Our new River Lodge, exclusive to residents of The Islands, provides a riverfront gathering place for the enjoyment of our residents. The Islands is a place where nature’s bounty is just the beginning of the excitement that will take your breath away. Situated on 225 acres of pristine private islands, our sanctuary features up to 1.5 acre estate-sized homesites  directly on the river or on picturesque harbors, all having navigable access to the tranquil waters of the Manatee River and onward to the Gulf of Mexico.

Beach Walkway

Florida FAQ 

Navigating Your Florida Property Purchase: Key Differences from Canada

As you consider expanding your real estate portfolio or finding your dream home in the beautiful state of Florida, I want to ensure you have all the necessary information to navigate this exciting journey. Buying property in Florida differs from the process in Canada in several key aspects, and understanding these differences is crucial for a smooth and successful transaction.

**1. Property Purchase Process:**
In Florida, real estate transactions are typically overseen by a title company or an attorney, which is different from the Canadian process that usually involves lawyers for both the buyer and seller. In Florida, the title company conducts the title search, handles the closing, and issues title insurance.

**2. Closing Costs:**
Closing costs in Florida can be different from those in Canada, often including title insurance, state transfer taxes, and other various fees associated with the purchase. It's important to budget for these costs, which can range from 2% to 5% of the purchase price.

**3. Financing:**
Financing a property as a Canadian in Florida may come with higher interest rates and down payment requirements compared to domestic buyers. Lenders may require a down payment of 25% or more for international buyers. Additionally, proof of income and creditworthiness may need to be provided in a format acceptable to U.S. lenders.

**4. Tax Implications:**
As a Canadian buying property in the U.S., you should be aware of both U.S. and Canadian tax implications. In the U.S., you may be subject to property taxes, capital gains tax, and estate tax. Canada may also tax your worldwide income, including rental income from your Florida property, though tax treaties provide relief from double taxation.

**5. Property Management:**
If you're purchasing property in Florida as an investment or vacation home, consider the need for property management. This is especially important for out-of-state or international owners who cannot regularly maintain the property themselves.

**6. Insurance:**
Florida's unique climate means insurance can be notably different from Canada. Factors such as hurricane risk and flood zones significantly affect insurance policies and premiums. It's essential to understand what your insurance covers and to consider additional policies like flood insurance if applicable.

**7. Residency and Visa Requirements:**
While owning property in Florida does not automatically grant residency or extended stay rights, Canadians can typically stay up to six months per year in the U.S. as visitors. If you plan to stay longer, you may need to explore visa options.

Our goal is to make your property acquisition in Florida as seamless and rewarding as possible. We're here to guide you through each step, from understanding the market to closing the deal. Should you have any questions or need further clarification on any of these points, please don't hesitate to reach out.

Thank you for choosing us to assist with your Florida real estate needs. We look forward to helping you achieve your property goals in the Sunshine State.

Let’s Work Together

Get in touch so we can start working together.

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