With summer’s end officially marked by Labor Day weekend, a slight shift in weather is enough to prompt snowbirds to consider a move – albeit seasonal – down south.

And who can blame them? With 1,350 miles of coastline and an average of 130-170 clear, sunny days, it’s easy to see why. They don’t call it the Sunshine State for nothing, right?

But buying a second home, often sight unseen, can prove daunting at best and perilous at worst.

So here are a few things to consider as you plan your migration down south.

1. Do Your Research. From local real estate websites to companies that find the homes for you, a little online research can give you a broad overview of things like properties and prices. Once you narrow your search to a few communities, dedicate some vacation time to check out the properties and areas in person if possible.

2. Dollars-and-Cents. Consider a trip to see your financial adviser to find out how purchasing a second property will affect your finances, taxes and income during retirement. Then, take a look at available financing options. The biggest consideration, of course, is making sure the property won’t make you ‘house poor.’

3. Shop Home-Specific Insurance. Insurance in Florida – homeowners and flood – are a lot different than in many other parts of the country. There are hurricanes, tornadoes, floods, and even termites to consider. So be sure to factor that into your budget when considering a snowbird purchase.

4. Shop Flexible Health Care. Retirees on original Medicare – Part A and Part B – can visit any doctor or hospital around the country that accepts it. Medigap supplement plans work similarly. But Medicare Part C has more restrictions – so do your research and always bring your medical records when you travel.

5. Research Residency. While you may think you’ll spend half a year in your new Florida dream home, it’s not always that simple. For example, property taxes in Florida for non-residents can be higher than for residents, so it’s something you should consider and research appropriately.

6. Consider New Expenses. It’s easy to only focus on the major expenses, such as the mortgage, property taxes and insurance – but it’s just as easy to overlook the less obvious costs. For example, properties in Florida run air conditioning nearly year-round to avoid mold – even if you’re not there.

7. Strategize Your Taxes. Home is where your heart – and state income taxes – are. So if your snowbird home has more favorable taxes, it may be worth considering making that your ‘home’ for tax purposes – but it’ll take some work, like updating car and voting registration, opening bank accounts, and getting a new number.

At DeLeon Sheffield Company, we believe the more, the merrier – and Florida’s diversity is a big part of what makes it so special. So if you’re considering a snowbird move or are thinking of retiring here permanently, let our professionals find you the home of your dreams.

Because at DeLeon Sheffield Company, ‘We’re More Than Realty; We’re Family.’