Military Relocation in Florida Gulf Coast: Tips from Expert Realtors

Travis Talley | March 12, 2025

Relocating as a military family comes with unique challenges, especially when moving to or from the Florida Gulf Coast. From tight timelines to searching for a home from afar, the process can be overwhelming. That’s why working with a realtor who understands military relocations is crucial to making your transition as smooth as possible. Our team at The Talley Group is experienced in handling military moves, ensuring that service members and their families can settle into their new homes with ease.

Why Military Families Choose the Florida Gulf Coast

The Florida Gulf Coast is home to several military bases, including NAS Pensacola, Eglin Air Force Base, and Hurlburt Field, making it a common relocation destination for service members and their families. The region offers numerous advantages that make it an ideal place to live:

  • Proximity to Bases – The Florida Gulf Coast has several military bases, reducing commute times and ensuring quick access to military facilities, commissaries, healthcare centers, and other essential services. This makes daily life easier for service members and their families, allowing them to focus on their duties while enjoying a comfortable home environment.

  • Great Schools & Family-Friendly Communities – The Gulf Coast is known for its top-rated schools, making it a fantastic place for military families with children. The availability of extracurricular programs, community support groups, and child-friendly amenities ensures a stable and nurturing environment. Additionally, military-friendly communities provide a welcoming atmosphere where families can connect with others who understand the unique challenges of military life.

  • Tax Benefits & Incentives – Florida is a military-friendly state with significant financial benefits. There is no state income tax, which allows military families to save more of their earnings. Additionally, property tax exemptions are available for eligible veterans and active-duty service members, further enhancing financial stability.

  • Beautiful Coastal Living – One of the most appealing aspects of living in the Florida Gulf Coast is the stunning natural scenery. With white sandy beaches, warm weather, and outdoor recreational opportunities such as fishing, boating, and hiking, military families can enjoy a high quality of life when they’re off duty.

Buying vs. Renting: What’s Best for You?

One of the biggest decisions when relocating is whether to buy or rent. Military families have unique considerations due to the potential for frequent moves. Here are some factors to consider:

Buying a Home

  • Long-Term Investment – If you plan to stay for more than three years, buying may be the smarter financial move, allowing you to build equity over time.

  • VA Loan Benefits – Military families can take advantage of VA loans, which require no down payment and offer lower interest rates compared to conventional loans. This makes homeownership more accessible and affordable.

  • Building Equity – Instead of paying rent, owning a home allows you to invest in property value growth over the years. When it’s time to move, you can rent out your home for additional income or sell it for a profit.

Renting a Home

  • Flexibility – If you anticipate another PCS (Permanent Change of Station) soon, renting might be the better option to avoid the hassle of selling your home later.

  • Lower Upfront Costs – Renting requires fewer initial costs, making it a practical choice if you prefer to allocate your finances elsewhere.

  • Less Responsibility – Home maintenance and repairs are typically handled by landlords, saving you time and effort during your stay.

Best Neighborhoods for Military Families

Finding the right neighborhood is key to a smooth transition. Military families prioritize safety, school quality, and proximity to base when choosing where to live. Here are some of the top military-friendly areas:

  • Pensacola – Ideal for those stationed at NAS Pensacola, offering affordable housing, strong military support, and excellent schools. The area has a mix of historic homes and new developments, providing options for various budgets.

  • Navarre – A quiet, family-friendly community close to Hurlburt Field, featuring top-rated schools, beautiful beaches, and a slower pace of life.

  • Fort Walton Beach – A popular choice for Eglin AFB families, with a variety of housing options, from apartments to single-family homes. The area has a vibrant community with frequent military-oriented events and activities.

  • Destin – A great option for families who love coastal living near Eglin AFB. It offers upscale housing, breathtaking beaches, and a resort-like atmosphere.

  • Panama City – Convenient for service members stationed at Tyndall AFB, with a growing housing market and a strong sense of community.

Understanding VA Loans & Military Homebuyer Benefits

VA loans offer unique advantages to military families and veterans. These government-backed loans make homeownership easier and more affordable. Here’s what you need to know:

  • No Down Payment – Unlike conventional loans, VA loans require no down payment, making it easier for military families to purchase homes.

  • Lower Interest Rates – VA loans typically offer competitive interest rates, which can save thousands of dollars over the life of the loan.

  • No Private Mortgage Insurance (PMI) – Since VA loans don’t require PMI, monthly mortgage payments are lower compared to conventional loans.

  • Flexible Credit Requirements – VA loans are more lenient with credit scores, allowing more service members to qualify.

Schooling & Childcare for Military Families

Education and childcare are top priorities for relocating families. The Florida Gulf Coast offers excellent resources to support military children’s unique needs:

  • Military-Friendly Schools – Many schools have military liaisons, transition programs, and support services to help children adjust.

  • DoDEA Schools – Some bases have Department of Defense Education Activity (DoDEA) schools, which follow a curriculum tailored to military families.

  • Free & Discounted Childcare – On-base childcare centers provide affordable options, and many off-base providers offer discounts for military families.

PCS Checklist: What You Need to Do Before Moving

A Permanent Change of Station (PCS) requires careful planning. Here’s a checklist to help you stay on track:

  1. Contact Your Base Housing Office – They can provide guidance on on-base and off-base housing options.

  2. Research the Local Market – Work with a military relocation specialist to find the best housing options.

  3. Plan for Temporary Lodging – Book a hotel or temporary housing in advance.

  4. Transfer Important Documents – Gather school records, medical documents, and financial paperwork.

  5. Update Your Address – Notify banks, insurance providers, and the USPS about your move.

Why Working with a Military-Experienced Realtor Matters

A real estate team with military relocation experience understands these unique challenges and provides tailored solutions. Here’s how an experienced realtor can help:

  • Virtual Home Tours & Remote Assistance – Since many military families must make housing decisions from a distance, we offer detailed video walkthroughs and live virtual showings. These allow families to get a realistic view of potential homes, ask questions in real time, and make informed decisions without the need for immediate travel.

  • Knowledge of VA Loans & Military Housing Benefits – VA loans offer incredible benefits, but they also come with specific requirements. Our team has extensive knowledge of VA loan qualifications, appraisal guidelines, and the funding process, ensuring a smooth and efficient home purchase for military families.

  • Understanding of PCS Timelines – Military moves operate on strict timelines, and missing deadlines can cause complications. We work proactively to ensure that every step of the home-buying or selling process aligns with your PCS schedule, allowing for a seamless transition between duty stations.

  • Local Market Expertise – Not all neighborhoods are created equal when it comes to military relocation. We have in-depth knowledge of the best areas for military families, considering factors such as proximity to bases, school ratings, safety, and community resources.

  • Personal Connection to the Military – Some of our team members have direct military affiliations, including a retired military spouse, giving us firsthand knowledge of the relocation process. This personal connection allows us to provide a level of service that goes beyond just real estate transactions—we genuinely understand the lifestyle and challenges that come with military moves.

How The Talley Group Has Helped Military Families

Over the years, we have successfully assisted numerous military families with buying and selling homes in the Florida Gulf Coast. Our team has worked with service members from all branches of the military, helping them navigate complex relocations with minimal stress. Whether it’s finding the perfect home near base, securing the best financing options, or handling the logistics of a long-distance move, our expertise ensures a stress-free experience.

 

FAQs

Q: How long does it take to buy a home with a VA loan?
A: On average, 30-45 days. Having a military relocation expert helps speed up the process.

Q: Can I use my BAH to cover rent or mortgage?
A: Yes! BAH can be used for housing expenses, and rates vary by rank and location.

Q: Are there any military-specific home-buying grants?
A: Yes! Programs like Homes for Heroes and Military Housing Assistance Fund offer financial help.

Q: What’s the best way to find a military-friendly real estate agent?
A: Work with an agent who is a Military Relocation Professional (MRP) certified.

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Don’t Let Fear Haunt Your Home Buying or Selling Journey!

Travis Talley | October 07, 2024

home buying or selling do's and dont's

          It’s the spooky season, but the scariest thing for many people isn’t ghosts or goblins—it’s the thought of buying or selling a home. Overcoming common fears in real estate decisions is essential to avoid letting these worries stand in your way. Are you going to let fear haunt your home buying or selling journey? Let’s dive into some of the most frightening concerns homebuyers and sellers face and how to conquer them!

Fear of Financial Commitment

          Many first-time buyers feel anxious about the financial responsibility of a mortgage, thinking about the long-term costs and any potential unforeseen expenses. To mitigate this, it’s crucial to consult with a financial advisor who can help you assess your budget, explore various mortgage products, and identify a plan that fits your lifestyle. This can alleviate much of the fear, as you will have a structured payment plan with predictable costs. Furthermore, understanding the benefits of homeownership—such as equity building, tax deductions, and appreciation over time—helps put the financial commitment in a positive perspective.

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Fear of Overpaying for a Home

          The fear of overpaying is especially prevalent in competitive housing markets. Buyers are often anxious that they might offer more than a home is worth, only to see prices drop afterward. However, this fear can be eased by doing thorough research on current market trends and home values. By working closely with a real estate agent, buyers can understand fair market value, recent sales in the area, and where they should be conservative or aggressive with offers. Market analysis tools like Comparative Market Analysis (CMA) reports are invaluable in ensuring buyers are paying a fair price.

Fear of the Unknown in Selling

          Selling a home brings a lot of uncertainty: Will the home sell quickly? Will you get the price you’re hoping for? These fears stem from the unpredictable nature of the market. To manage this, sellers should focus on timing, staging, and pricing the property right from the start. By ensuring the home is competitively priced and marketed to the right audience, sellers can speed up the process and receive offers that meet or exceed expectations. Partnering with an experienced real estate agent who knows the local market can also help in creating a strategy to attract qualified buyers.

guy disappointed

Fear of Hidden Property Defects

          Buyers often fear that their dream home may come with hidden issues like plumbing problems, foundational cracks, or mold infestations. This fear is valid but can be mitigated by hiring a professional home inspector. A thorough inspection will reveal any significant problems, giving buyers the leverage to negotiate repairs or ask for credits toward the final sale price. This process ensures that buyers are fully informed about the property’s condition, helping them make confident, informed decisions.

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Fear of Getting Outbid

          Competitive real estate markets often leave buyers feeling defeated, especially after losing out on several homes to higher offers. This fear is exacerbated when buyers feel they can’t compete with cash buyers or those offering above asking price. To overcome this fear, buyers should get pre-approved for a loan, so they can move quickly when they find the right property. Also, having a clear offer strategy and flexibility can help you stand out, such as being flexible on closing dates or waiving minor contingencies. Additionally, building a strong rapport with the seller through your agent can improve your chances of securing a home.

          Buying or selling a home doesn’t have to be a scary experience. By addressing these common fears head-on and working with professionals who guide you through the process, you can take control and make confident decisions. Don’t let real estate myths and worries spook you—contact us today to learn how we can help you navigate the process smoothly!

Meet the Team

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FAQs

Work with a real estate agent who can conduct a thorough market analysis to ensure you’re getting a fair price. Expert realtors can advise on how to structure competitive yet fair offers, especially in hot markets.

In competitive markets, being prepared is crucial. Getting pre-approved for a loan and working with an experienced agent to strategize your offer are key. An experienced agent can help you develop an offer strategy, which might include submitting offers quickly, being flexible on terms like closing dates, or even offering to waive certain contingencies (e.g., inspection or appraisal).

If issues arise during a home inspection, don’t panic. You can negotiate repairs or even walk away from the deal if major problems arise. Real estate contracts often include inspection contingencies, which give buyers the legal right to back out or renegotiate if significant defects are discovered.

Managing the financial commitment of a mortgage starts with proper planning. Set a budget, consult with a mortgage advisor, and choose a loan option that fits your long-term financial plans. Additionally, make sure your mortgage payments don’t exceed a comfortable percentage of your monthly income to avoid strain.

Timing your home sale is essential for maximizing profits. An experienced agent can help you assess market conditions to ensure you list your home at the most advantageous time. Your agent can also advise on national and local economic factors, like interest rates and employment trends, that influence the best time to sell.

 

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Preparing for 2024 Back to School Season in the Florida Gulf Coast

by Travis Talley | July 15, 2024

          As the summer comes to an end and the new school year approaches, families in the Florida Gulf Coast area need to prepare efficiently for the back-to-school season. From organizing supplies to understanding school district maps, the following guide offers a comprehensive approach to ensure a smooth transition. With careful planning and utilizing local resources, families can navigate this transitional period with ease and excitement for the year ahead.

Back to School - Tax Free Holiday

          One of the most significant advantages for families preparing for the new school year is the Back to School – Tax Free Holiday. This event provides an opportunity to purchase essential school supplies, clothing, and even certain electronics without paying sales tax. For 2024, the tax-free period is between July 29 to August 11. This window allows families to plan and shop strategically, resulting in substantial savings.   

What's included?         

Here are the items exempt from sales tax:

  • Learning aids and jigsaw puzzles – $30 below
  • Most school supplies – $50 below
  • Clothing, footwear and accessories – $100 below
  • Computers and related accessories (purchased for non-commercial and personal use) – $1,500 below         
Back to School 2024 Sales Tax Holiday Promo photo

Creating a Back-to-School Checklist         

A well-organized checklist is crucial for a successful back-to-school preparation. This ensures that nothing is overlooked and that the transition is as seamless as possible.         

School Supplies         

Start with the basics and add specific items required by the school or teachers. Here are some fundamental supplies:         

  • Writing Instruments: Pencils, pens, markers, and highlighters.
  • Paper Products: Notebooks, loose-leaf paper, and binders.
  • Organizational Tools: Folders, planners, and pencil cases.
  • Art Supplies: Crayons, colored pencils, and scissors.
  • Technology: USB drives, headphones, and laptops (if required).
School District Resources

Most school districts provide detailed maps and boundary information on their official websites. Utilize the following resources to find accurate and updated resources for your school district:

Click here to see your online resource available today! This may or may not include the following:
  • School calendars
  • Bus routes
  • Enrollment services
  • Event and public meetings
  • Emergency preparedness
  • Scholarship information
  • District maps
Click here to see your online resource available today! This may or may not include the following:
  • School calendars
  • Bus routes
  • Enrollment services
  • Event and public meetings
  • Emergency preparedness
  • Scholarship information
  • District maps
Click here to see your online resource available today! This may or may not include the following:
  • School calendars
  • Bus routes
  • Enrollment services
  • Event and public meetings
  • Emergency preparedness
  • Scholarship information
  • District maps
Click here to see your online resource available today! This may or may not include the following:
  • School calendars
  • Bus routes
  • Enrollment services
  • Event and public meetings
  • Emergency preparedness
  • Scholarship information
  • District maps
Click here to see your online resource available today! This may or may not include the following:
  • School calendars
  • Bus routes
  • Enrollment services
  • Event and public meetings
  • Emergency preparedness
  • Scholarship information
  • District maps
Click here to see your online resource available today! This may or may not include the following:
  • School calendars
  • Bus routes
  • Enrollment services
  • Event and public meetings
  • Emergency preparedness
  • Scholarship information
  • District maps

Transportation Planning

Planning how your child will get to and from school is another vital step. It is important to learn and understand every school bus routes and schedules. Check with your school district for the latest information.

Alternative Transportation

Carpooling: Connect with other parents in your area to arrange carpooling.

Walking or Biking: If feasible, map out safe routes for walking or biking to school.

Public Transit: Familiarize yourself and your child with the local public transit options.

Photo of a school bus

Final Preparations

In the final days before school starts, review your preparation checklist and ensure everything is ready for a successful school year. Make sure to do your last minute checks!

School Supplies: Double-check that all items on your list have been purchased and are packed.

Transportation: Confirm transportation arrangements and review schedules with your child.

Health Forms: Make sure all required health forms and emergency contact information have been submitted to the school.

By following these comprehensive steps, families in the Florida Gulf Coast area can ensure a well-organized and stress-free back-to-school season. From taking advantage of the Tax-Free Weekend to understanding school district maps and gathering educational resources, thorough preparation will set the stage for a successful and enjoyable school year.

Frequently Asked Questions

1. What items are included in the Back-to-School Tax-Free Weekend?

2. Are there any price limits for the tax-free items?

  • Yes, there are price limits for certain items to qualify for the tax exemption. For example, clothing items must be priced at $60 or less, and school supplies must be $15 or less per item. For more specifics, check the FAQs linked above.

3. How can businesses implement the Sales Tax Holiday?

  • Businesses must adhere to guidelines provided by the state to properly implement the tax holiday. Detailed information for businesses can be found in the FAQs for Businesses.

4. Can I purchase tax-free items online?

  • Yes, online purchases also qualify for the tax exemption as long as the items are ordered and paid for during the tax-free period and the retailer is compliant with Florida’s tax laws.

5. What should I do if I am charged sales tax on a tax-exempt item?

  • If you are incorrectly charged sales tax on a qualifying item, you should first contact the retailer for a refund. If the issue is not resolved, you can contact the Florida Department of Revenue for further assistance.

Planning to Move in the Florida Gulf Coast this Year?

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Be Prepared This Hurricane Season: Your Ultimate Guide to Staying Safe on the Florida Gulf Coast

hurricane preparedness in the Florida Gulf Coast

Hurricane season is fast approaching, and if you live on the Florida Gulf Coast, it’s time to get prepared. Here at The Talley Group, we want to make sure you and your loved ones stay safe during this potentially dangerous time of year. In this guide, we’ll walk you through everything you need to know, from assessing your risk to creating an evacuation plan, and even making sure your pets are ready. Ready to dive in? Let’s get started with our very own safety and preparedness checklist.

Hurricane Safety Checklist

KNOW YOUR RISK

Living in paradise comes with its own set of challenges, and hurricanes are a big one. Understanding your risk is the first step in being prepared. Do you know which zone your home is in? Are you up to date with the latest weather forecasts? If not, it’s time to get acquainted. Knowing your risk means you can plan better and stay one step ahead of the storm.

Check today's weather forecast.
Know your zone? Click here.

Have An Evacuation Plan

When a hurricane warning is issued, having an evacuation plan can make all the difference. Do you know your county’s assigned evacuation routes? If not, check the tabs below to find out. An evacuation plan isn’t just about knowing where to go; it’s about making sure you have a safe place to stay and that your family knows the plan.

ESCAMBIA County
See your county's evacuation routes and zones. Please be mindful of the legends and footnotes.
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SANTA ROSA County
See your county's evacuation routes and zones. Please be mindful of the legends and footnotes.
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OKALOOSA County
See your county's evacuation routes and zones. Please be mindful of the legends and footnotes.
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WALTON County
See your county's evacuation routes and zones. Please be mindful of the legends and footnotes.
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BAY County
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BALDWIN County
See your county's evacuation routes and zones. Please be mindful of the legends and footnotes.
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ESCAMBIA County
See your county's evacuation routes and zones. Please be mindful of the legends and footnotes.
Click Here
SANTA ROSA County
See your county's evacuation routes and zones. Please be mindful of the legends and footnotes.
Click Here
OKALOOSA County
See your county's evacuation routes and zones. Please be mindful of the legends and footnotes.
Click Here
WALTON County
See your county's evacuation routes and zones. Please be mindful of the legends and footnotes.
Click Here
BAY County
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BALDWIN County
See your county's evacuation routes and zones. Please be mindful of the legends and footnotes.
Click Here
ESCAMBIA County
See your county's evacuation routes and zones. Please be mindful of the legends and footnotes.
Click Here
SANTA ROSA County
See your county's evacuation routes and zones. Please be mindful of the legends and footnotes.
Click Here
OKALOOSA County
See your county's evacuation routes and zones. Please be mindful of the legends and footnotes.
Click Here
WALTON County
See your county's evacuation routes and zones. Please be mindful of the legends and footnotes.
Click Here
BAY County
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BALDWIN County
See your county's evacuation routes and zones. Please be mindful of the legends and footnotes.
Click Here
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Prepare Disaster Supplies

Imagine being without power, water, or access to stores for days. That’s why assembling a disaster supply kit is crucial. Your kit should include essentials like water, non-perishable food, medications, batteries, and flashlights. Need a comprehensive list?

Check out this link.

AND HERE’S SOME GOOD NEWS: during the 2024 Disaster Preparedness Sales Tax Holiday, you can purchase qualifying disaster supplies tax-free! Mark your calendars for June 1-14 and August 24-September 6.

Disaster Preparedness Sales Tax Holiday

Do you have pets?

Pets are family too, so don’t forget to prepare for their needs during hurricane season. Start by creating a separate pet disaster supply kit that includes essentials like food, water, medications, and comfort items such as blankets or toys. It’s also important to have a list of pet-friendly evacuation centers and boarding facilities handy. Ensure your pet’s identification tags and microchip information are up to date in case you get separated. Familiarize yourself with local resources and tips for pet preparedness by visiting this link. Planning ahead will help ensure your furry friends stay safe and comfortable during an emergency.

Is your pet ready for the coming hurricane?

Get An Insurance Checkup

Insurance might not be the first thing on your mind, but it’s a crucial part of hurricane preparedness. Call your insurance company or agent to make sure you have enough coverage to repair or replace your home. Homeowners and renters alike should consider a separate Flood Insurance policy, which has a 30-day waiting period. Visit FloodSmart.gov to get started.

Print The Talley Group's Hurricane Preparedness Guide

A single storm can have a profound impact on your life and community. To help you stay prepared, The Talley Group has created a printable hurricane preparedness guide. This comprehensive resource covers everything you need to know to protect your home and family during hurricane season. Download and print your copy today.

Additional Resources

To further assist you in your hurricane preparedness efforts, here are some valuable resources:

  • FEMA — Mobile App: Stay informed with real-time alerts and safety tips.
  • Florida Disaster.org – Division of Emergency Management: Access detailed information and updates on hurricanes.
  • Red Cross: Get resources and support for hurricane preparedness and recovery.

Preparation is key when it comes to hurricane season on the Florida Gulf Coast. By understanding your risk, developing an evacuation plan, assembling disaster supplies, and ensuring your pets and insurance are ready, you can protect your home and loved ones. Remember, The Talley Group is here to support you every step of the way. Stay safe and be prepared!

FAQs

  • What should I include in my disaster supply kit?
    Your disaster supply kit should have essentials like water, non-perishable food, medications, batteries, flashlights, first aid supplies, important documents, and a battery-powered radio.
  • How do I know if I’m in a flood zone?
    You can find out if you’re in a flood zone by visiting FloodSmart.gov and entering your address.
  • What should I do if I have to evacuate with pets?
    Make sure you have a pet disaster supply kit, know the location of pet-friendly shelters, and keep your pet’s identification and medical records handy.
  • How can I stay informed about hurricanes and severe weather?
    Use resources like the FEMA Mobile App, local news, weather channels, and emergency alert systems to stay updated on hurricane forecasts and warnings.
  • What if I can’t afford flood insurance?
    There are various programs and assistance options available. Visit FloodSmart.gov for more information and to explore your options.

We're here for you!

Stay safe, stay prepared, and let’s face this hurricane season together. The Talley Group is here to support you every step of the way.
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913 Gulf Breeze Pkwy., Suite 44
Gulf Breeze, FL 32561