Tips For Purchasing Waterfront Property

There is a different set of tips for purchasing waterfront properties as coastal homes are truly unique which of course makes them highly sought after. The expansive views, cool breeze and access to all the activities that being on the water brings are just some of the perks. With this ideal location there are some items to pay close attention to when you are considering a purchase. Here are 5 tips for buying a waterfront home. 


No matter what type of home you are looking to buy you will always want to work with an experienced and knowledgeable real estate agent. However, especially when buying a waterfront home then working with an agent who has knows all of the ins and outs from insurance to home loans is always best.


When you find a home that you may want to add a dock, boardwalk or seawall to then you will want to do some research. If the home is currently lacking one of these items then it could mean that they may not be allowed by the city. Find out if what you want to do is permitted by the city before you submit your offer. 

Water usage

Depending on the actual location on the water it is also a good idea to find out about the usage allowed. For example are boats or jet skis allowed? Is swimming safe? Is it public access? What is the wildlife like nearby? All of these are great questions to learn the answers to before putting pen to paper.

Flood zone

While there is nothing quite as nice as being right on the water, you will need to consider the close proximity when it comes to the potential of rising waters. Some buildings are more vulnerable than others but a good inspector can assist you with quality advice for the particular parcel of interest. 


Going hand in hand with flood zones is flood insurance. When properties are located in flood zones then flood insurance is a must and often required by most mortgage companies. Depending on your home’s elevation certificate the amount of insurance that you need to carry can vary property to property. Finding out what the current owner pays is a good place to start just to get an idea.

In the end there is nothing quite like living on the water so make sure you do your homework so you will be comfortably enjoying your new home’s view.