{"version":"1.0","type":"stack","id":"652ea32d-c659-4b45-8244-761a2996cee5","url":"https://stacklist.com/c/home/stack/652ea32d-c659-4b45-8244-761a2996cee5","title":"Beach Living Basics: Buying Near the Coast","description":"Buying near the water in Ponte Vedra Beach, the Jacksonville beaches, or anywhere on the First Coast comes with homework inland buyers never do: flood zones, wind mitigation, and insurance that can swing your monthly payment. These resources from ERA ONETEAM Realty's Ponte Vedra Beach office cover what coastal buyers in St. Johns and Duval counties should check before they fall in love with the view.","privacy":"public","created_at":"2026-07-16T06:27:19.410Z","updated_at":"2026-07-16T06:27:19.410Z","author":{"username":"bradstewart","name":"Brad Stewart","url":"https://stacklist.com/bradstewart","type":"person"},"category":{"id":"home","name":"home","url":"https://stacklist.com/c/home"},"items":[{"id":"182921d4-32e1-45fc-bf08-7a1ee503bd02","position":1,"title":"Look Up Any Address's Flood Zone (FEMA)","url":"https://msc.fema.gov/portal/search","note":"The first check for any coastal purchase from Ponte Vedra Beach to Vilano: FEMA's official map center shows the flood zone for any address, which determines whether flood insurance is mandatory and roughly what it costs.","image":{"url":"https://ucarecdn.com/6cd3d851-3ff9-4508-af3a-eeede0a211c5/","alt":"Look Up Any Address's Flood Zone (FEMA)","width":4032,"height":3024},"direct_link":"https://stacklist.com/c/home/stack/652ea32d-c659-4b45-8244-761a2996cee5?cardId=182921d4-32e1-45fc-bf08-7a1ee503bd02","created_at":"2026-07-16T06:27:55.522Z","updated_at":null},{"id":"0c19f36f-b3a0-4ee7-a717-5417aa718263","position":2,"title":"How Flood Maps Work (FEMA)","url":"https://www.fema.gov/flood-maps","note":"The plain-language explainer behind the zones: a \"1% annual chance\" area actually carries a one-in-four chance of flooding over a 30-year mortgage. Worth understanding before buying anywhere near the Intracoastal or the ocean.","image":{"url":"https://ucarecdn.com/cc84f5bd-3154-45b9-ae95-d32c75942a24/","alt":"How Flood Maps Work (FEMA)","width":3922,"height":2636},"direct_link":"https://stacklist.com/c/home/stack/652ea32d-c659-4b45-8244-761a2996cee5?cardId=0c19f36f-b3a0-4ee7-a717-5417aa718263","created_at":"2026-07-16T06:27:57.860Z","updated_at":null},{"id":"f1a7ecd0-bbcd-46f2-ba2b-04948498418c","position":3,"title":"Flood Insurance Basics (FloodSmart / NFIP)","url":"https://www.floodsmart.gov/","note":"Standard homeowners policies don't cover flood damage, and NFIP policies have a 30-day waiting period, so coastal buyers near St. Augustine and the beaches should price this before closing, not after. Nearly a third of flood claims come from outside high-risk zones.","image":{"url":"https://ucarecdn.com/91e4dbf7-480c-44dc-9985-c5d88b07b56a/","alt":"Flood Insurance Basics (FloodSmart / NFIP)","width":6000,"height":4000},"direct_link":"https://stacklist.com/c/home/stack/652ea32d-c659-4b45-8244-761a2996cee5?cardId=f1a7ecd0-bbcd-46f2-ba2b-04948498418c","created_at":"2026-07-16T06:27:59.450Z","updated_at":null},{"id":"f88ebfa1-7ac7-4de3-928e-d64a857cccbd","position":4,"title":"FEMA's Flood Insurance Overview","url":"https://www.fema.gov/flood-insurance","note":"The companion page covering how NFIP policies work, the quote tool, and the rule that homes in high-risk zones with government-backed mortgages must carry flood insurance. Useful for budgeting a beach-area purchase in Northeast Florida.","image":{"url":"https://ucarecdn.com/12b8e163-9099-4058-917b-d2f3c087ff51/","alt":"FEMA's Flood Insurance Overview","width":4475,"height":3637},"direct_link":"https://stacklist.com/c/home/stack/652ea32d-c659-4b45-8244-761a2996cee5?cardId=f88ebfa1-7ac7-4de3-928e-d64a857cccbd","created_at":"2026-07-16T06:28:00.963Z","updated_at":null},{"id":"57a5820d-9a47-4944-827b-67289ccb5e9d","position":5,"title":"My Safe Florida Home: Free Wind Inspections and Grants","url":"https://mysafeflhome.com/","note":"Florida's state program gives eligible homeowners a free wind-mitigation inspection and matching grants up to $10,000 for hurricane hardening like impact windows. In coastal St. Johns County, those upgrades can meaningfully cut the wind portion of your insurance premium.","image":{"url":"https://ucarecdn.com/c1d64941-9237-4d6b-bb79-2c294e0ef6c4/","alt":"My Safe Florida Home: Free Wind Inspections and Grants","width":4000,"height":3000},"direct_link":"https://stacklist.com/c/home/stack/652ea32d-c659-4b45-8244-761a2996cee5?cardId=57a5820d-9a47-4944-827b-67289ccb5e9d","created_at":"2026-07-16T06:28:02.251Z","updated_at":null},{"id":"29ce494d-ff17-417d-b739-aa0763ef0d93","position":6,"title":"St. Johns County Floodplain Management","url":"https://www.sjcfl.us/departments/floodplain-management/","note":"The county office that issues flood zone determinations, keeps elevation certificates, and regulates building in flood hazard areas around Ponte Vedra and St. Augustine. Ask here for an elevation certificate on a home you're considering; it can lower the insurance quote.","image":{"url":"https://ucarecdn.com/ffad2360-7b0a-4b1f-8636-2e4f273e5150/","alt":"St. Johns County Floodplain Management","width":1350,"height":900},"direct_link":"https://stacklist.com/c/home/stack/652ea32d-c659-4b45-8244-761a2996cee5?cardId=29ce494d-ff17-417d-b739-aa0763ef0d93","created_at":"2026-07-16T06:28:03.898Z","updated_at":null},{"id":"81b2ef30-3eb2-4518-ab01-be923597345e","position":7,"title":"St. Johns County's Flood Smart Guide","url":"https://www.sjcfl.us/sjc-provides-flood-smart-guide-prepare-protect-home/","note":"The county's own preparedness guide, including a detail that saves buyers money: St. Johns is a CRS Class 5 community, meaning residents earn discounts on NFIP flood insurance premiums thanks to local mitigation efforts.","image":{"url":"https://ucarecdn.com/6a95f274-09be-4367-83e9-c27d89baf65c/","alt":"St. Johns County's Flood Smart Guide","width":720,"height":480},"direct_link":"https://stacklist.com/c/home/stack/652ea32d-c659-4b45-8244-761a2996cee5?cardId=81b2ef30-3eb2-4518-ab01-be923597345e","created_at":"2026-07-16T06:28:05.346Z","updated_at":null},{"id":"a4e37abb-4434-4a92-a957-9f105d58da7c","position":8,"title":"Property Fraud Alerts (St. Johns County Clerk)","url":"https://stjohnsclerk.com/recording-activity/","note":"Free email alerts from the St. Johns County Clerk whenever any document is recorded under your name, and the FBI calls property fraud one of the fastest-growing white-collar crimes. Coastal and second homes are prime targets since owners often aren't around to notice.","image":{"url":"https://ucarecdn.com/9988aa46-c9fb-4187-afd2-0e8e969541e9/","alt":"Property Fraud Alerts (St. Johns County Clerk)","width":3456,"height":5184},"direct_link":"https://stacklist.com/c/home/stack/652ea32d-c659-4b45-8244-761a2996cee5?cardId=a4e37abb-4434-4a92-a957-9f105d58da7c","created_at":"2026-07-16T06:28:06.661Z","updated_at":null}],"stats":{"likes_count":0,"items_count":8},"_links":{"self":"/api/public/stack/652ea32d-c659-4b45-8244-761a2996cee5.json","html":"https://stacklist.com/c/home/stack/652ea32d-c659-4b45-8244-761a2996cee5","rss":"/api/feeds/stack/652ea32d-c659-4b45-8244-761a2996cee5/rss","json_feed":"/api/feeds/stack/652ea32d-c659-4b45-8244-761a2996cee5/json"}}