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Seasonal Rental vs Ownership in Florida – 4 Important Things to Consider

As summer draws to a close and the crisp fall air sets in, numerous individuals are already making plans for their winter getaway to Florida’s Treasure Coast. These seasonal residents from the northern states come to the Sunshine State year after year, enticed by its warm winter climate, pristine beaches, and vibrant coastal lifestyle. However, finding the right seasonal rental on the Treasure Coast can be difficult, leading many of these seasonal residents to explore alternative options. Instead of being excluded from the winter fun, many Florida seasonal residents have opted to purchase their own property. While reduced home inventories have also impacted the for-sale market, Harbour Ridge Yacht & Country Club offers an excellent solution to tackle this growing challenge. Discover why more individuals are choosing homeownership over seasonal rentals:

seasonal rental inside the home at Harbour Ridge

Home Ownership Eliminates Uncertainty

For seasonal residents seeking a winter escape, seasonal rentals can be a source of considerable uncertainty. From date restrictions and ever-changing lease agreements to the risk of escalating prices, making the annual search for a new place a challenging task. Homeownership, however, provides residents with stability, granting them the freedom and flexibility to plan their visits at their convenience. With a permanent winter getaway, they can dedicate more time to enjoying what matters most without the hassle or stress of finding new accommodations each year.

Tax Benefits Abound

Purchasing a home offers not just stability, but also the opportunity to build equity. Homeowners can enjoy the potential for property appreciation, especially in Florida’s highly sought-after real estate market. What’s more, Florida’s tax-friendly environment translates into substantial annual savings. With the Florida Homestead Exemption, property taxes are based on the home’s assessed value, potentially reducing property tax value by up to $50,000. Furthermore, Florida is one of just nine states without a state income tax, estate tax, or inheritance tax. Relocating from high-tax states like New York, New Jersey, or Massachusetts could result in substantial annual savings in taxes alone.

Club Membership Often Restricted for Seasonal Rentals

In private club communities, seasonal residents need to be mindful of potential restrictions when it comes to Membership. Even if snowbirds manage to find a rental, access to the community’s full array of amenities and perks may not always be guaranteed or could incur additional costs. Harbour Ridge, for example, has the option for renters to apply for Beneficial User status, granting them access to the Club facilities and amenities during their rental period. However, this status can only be held for a maximum of two years. While renting may offer a temporary solution, buying a home ensures long-term, uninterrupted access to Harbour Ridge’s exceptional lifestyle.

collage of seasonal rental people enjoying the lifestyle

Maintenance-Free Florida Living

When purchasing a second home, security becomes a top priority. A lock-and-leave lifestyle becomes paramount, with gated communities and on-site maintenance crews being among the most desired amenities. These services enable homeowners to travel with confidence, knowing their residence is well cared for while they are away. Harbour Ridge not only offers resort-style living and endless activities but also 24-hour on-site security that provides constant peace of mind. With added services like housekeeping and on-site grounds maintenance, this enticing lifestyle delivers the perfect harmony of carefree living and peace of mind.

Aerial of the Harbour Ridge Community

Florida’s Premier Private Club Community

Located on the St. Lucie River, the “Private by Nature” waterfront location of Harbour Ridge Yacht and Country Club makes this the premier golf community on Florida’s Treasure Coast. Just a short boat ride or 10-minute drive away, residents are in close proximity to the lively Downtown Stuart, with delectable restaurants, boutique shopping, and year-round events to enjoy. Just 40 minutes to the south, The Palm Beaches offer even more to enjoy, including the Gardens Mall and world-famous Worth Avenue.

harbour ridge seasonal homes and owners access to golf courses

36 Holes of Championship Golf and Resort-Style Amenities

Nestled on 885 acres alongside the North Fork of the St. Lucie River, Harbour Ridge offers residents a carefree social lifestyle surrounded by breathtaking natural beauty and a mesmerizing waterfront shoreline. The community is one of few in the area that boasts two Audubon-certified championship golf courses, expertly designed to harmonize with the community’s unique natural setting. The heart of the community lies within the 45,000-square-foot Clubhouse, where Members enjoy a vibrant calendar of events and savor a wide range of waterfront dining experiences. At the Lakeside Lifestyle Center, Members can focus on health and wellness at the tennis and pickleball courts, the pool, or the well-appointed fitness facility with on-site physical therapists. Harbour Ridge is also home to three private marinas, with a combined 98 slips for boats up to 80 feet in length. An active calendar of events keeps resident Members active with everything from fishing and golf tournaments to waterfront dinners.

The wide variety of homes for sale within the Harbour Ridge community offers varying price points and styles to suit every need. All single-family homes and condominiums have stunning views of the St. Lucie River, lakes golf courses or nature preserves. Move-in-ready rental residences are also available for seasonal residents. Our complimentary digital brochure shares an even closer look at the amenities and lifestyle offered within this waterfront community. Visit or call 772-336-3000 for more information.


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