Posts from September 2026

Ormond Beach is a city of about 43,000 people just north of Daytona Beach, and it splits into two very different places to live: the beachside, on the barrier island between the Halifax River and the Atlantic, and the mainland, west of the river, where most of the newer neighborhoods and golf communities are. Which side you choose shapes your daily life, your budget and your insurance more than almost any other decision you will make here.

We sell homes on both sides of the river every week, and we have watched plenty of buyers fall for a house before they understood the difference. This guide walks through how Ormond Beach is laid out, what the main neighborhoods are like, what owning a home here really costs, and the honest trade-offs, so you can narrow your search before you...

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Bunnell is the county seat of Flagler County, a small inland city of about 3,300 people surrounded by a county that has added roughly 25,000 residents since 2020. Most of that growth has landed in Palm Coast and along the coast, which is exactly why Bunnell still feels different: lower prices, bigger lots, a real downtown, and a slower pace, with the beach and the county's biggest job centers a short drive away rather than out the front door.

Buyers ask us about Bunnell for a specific reason. They want space, or a new-construction price that still fits their budget, or simply a town that isn't stacked with condos and roundabouts. This guide covers how Bunnell is laid out, what its neighborhoods actually offer, what it costs to own a home here, and how it stacks up against Palm C...

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This page collects every Market Update guide Adams Cameron has published about buying and owning a home in Volusia and Flagler County, 168 so far, grouped by what you are trying to figure out. We add each new guide here the day it goes live.

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If Amendment 3 passes on November 3, most Volusia County homeowners would see a much bigger homestead exemption on their county and city taxes, starting with the bills that arrive in November 2027. The catch is timing. People who are Florida residents by December 31, 2026 would qualify for the larger exemption right away, and people who arrive after that would wait years for it.

That second point is why this matters to buyers as much as owners. We have already had clients ask whether they should close before New Year's, and whether a house they are looking at will cost less to own in two years than it does today. Here is what the amendment actually does, what it would mean in real dollars in Volusia County, what it does not touch, and how to think about it if you are buying or s...

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Yes, owner financing is legal in Florida, and it works simply: the seller acts as the bank. Instead of the buyer getting a mortgage from a lender, the seller takes a down payment and the buyer pays the rest over time, secured by a mortgage the seller holds on the home, at a rate Florida caps at the equivalent of 18% a year for loans up to $500,000. Done properly, it can open doors for buyers who don't fit a bank's box. Done carelessly, it can cost either side the house.

We get asked about owner financing constantly, by buyers searching for owner-financed homes and by sellers wondering whether offering terms would help their home sell. This guide explains how a Florida owner-financed sale is actually structured, what it costs at closing, the federal and state rules both sides nee...

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Palm Coast is a good place to live if you want a newer, quieter Florida city built around water, trails and parks, with the ocean a short drive away. It is a harder fit if you want a walkable historic downtown, big-city nightlife, or a home you can walk from to the beach. The city of nearly 115,000 people was only incorporated in 1999, and that single fact explains most of what people love about it and most of what they miss.

We show homes in Palm Coast every week, often to buyers who are also looking in Ormond Beach, Flagler Beach and the Daytona Beach area. This is the honest version of what we tell them: what daily life actually looks like, how the neighborhoods differ, what homes cost to own, and the trade-offs to weigh before you choose it.

What makes Palm Coast di...

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