Dibs on Cribs — Know What to Offer & What You're Buying | Florida

Know exactly what to offer and what you're really buying. Free flood zone lookup, budget and closing cost calculators, plus Scout tools for offer strategy, house detective, and neighborhood analysis.

Free tools for any Florida address

• Florida Flood Zone Lookup — Free FEMA Map & Elevation Check — Enter any Florida address for parcel elevation, FEMA flood zone, and hurricane evacuation zone — with plain-language guidance on flood and wind insurance requirements.
• Florida Closing Cost Estimator — Doc Stamps, Title, Escrow — Itemized Florida closing cost estimate — documentary stamp tax, title insurance, escrow, prepaid taxes, and lender fees before you write the offer.
• Home Budget Calculator — What Can You Afford in Florida? — Find your max purchase price from income, debts, and down payment — with Florida carrying costs in mind, not just the mortgage payment.
• Florida Mortgage Rates Today — 30-Year Fixed Rates — Track current 30-year fixed mortgage rates by credit tier with weekly updates and personalized rate estimates — free for Florida homebuyers.
• Cost of Living Calculator — Compare US Metros & Florida — Compare housing, transportation, food, and healthcare between any two US metros. See the true cost of moving to Florida or anywhere else in the country.

Scout tools for when you are ready to offer

• Offer Recommender — Data-Backed Strike Price for Florida Homes — 40+ market signals, comparable sales, and blended valuation to calculate the highest offer that wins without overpaying — built for Florida homebuyers.
• House Detective — Permits, Flood Zone & Storm Risk for Florida Homes — Deep property intelligence for Florida addresses — building permit history, code violations, FEMA flood forensics, elevation, and proximity risks before you buy.
• Neighborhood Analysis — Schools, Storm Risks & Market Heat in Florida — Schools, commute, cost of living, sinkhole & power outage risk, major construction projects, NFIP flood claims, and zip-level market stats for any Florida neighborhood or address.
• Florida True Cost of Ownership Calculator — Taxes, Flood, HOA, CDD — Calculate the real monthly cost of a Florida home — Save Our Homes tax reset, flood insurance, windstorm, HOA, and CDD bonds. More accurate than Zillow P&I for Florida buyers.
• Mortgage Rate Forecaster — AI Outlook for 30-Year Fixed Rates — AI-powered mortgage rate forecast using Fed signals, Treasury yields, and market data — decide whether to lock in or wait before buying in Florida.

Florida homebuyer guides

• What Is a CDD Fee in Florida — and How Does It Affect Your Mortgage Payment?
• Save Our Homes Cap: Why the Seller's Tax Bill Won't Be Yours
• How Much to Offer on a House in Tampa in 2026
• Flood Insurance in Florida by Zip Code: What Buyers Actually Pay
• Florida Condo Milestone Inspections: What Buyers Must Know After SB 4D
• Sinkhole Disclosure in Tampa Bay: Karst Risk for Florida Homebuyers
• Hurricane Deductibles in Florida: 2% vs 5% and Your Real Out-of-Pocket
• HOA Estoppel Fees in Florida: The Closing Cost Buyers Forget