I'm Simone Kohl, your Southwest Florida Relocation Specialist. From Fort Myers to Naples, I give you the flood zones, HOA fine print, and insurance math up front, so the only surprise is the sunset.
No spam, no pressure. Simone says: ask the awkward questions here, not at the closing table.
Simone says
“Quote the insurance first. Fall in love second.”
5
coastal communities across Lee & Collier County
Meet Simone
Simone Kohl is a REALTOR® and Southwest Florida Relocation Specialist with Realty ONE Group Connections. She helps relocating buyers trade snow shovels for sandals without stepping on any of the classic Florida landmines. Here's her rulebook:
Simone says: check the flood zone before you fall for the floor plan.
Zone X, AE, and VE change your insurance, your lender's requirements, and your rebuild rules.
Simone says: ask about the seawall. Then ask again.
On Cape Coral canals, seawall age and elevation certificates matter as much as the view.
Simone says: file your homestead by March 1st.
A 3% Save Our Homes cap and up to $50,000 in exemptions start once you file.
Simone says: clips, straps, and hip roofs are money.
A wind mitigation inspection can trim the wind portion of your insurance premium.
Five Coastal Communities
Lee County and Collier County each have their own tax, flood, and HOA personality. Here's the short version of each.
Lee CountyHistoric riverfront charm, established golf enclaves, and suburban convenience.
Simone's fun fact
Thomas Edison and Henry Ford built their winter estates side-by-side on McGregor Boulevard, planting over 1,800 royal palms that still frame the corridor.
Lee CountyThe waterfront capital of SWFL with over 400 miles of navigable canals.
Simone's fun fact
Cape Coral contains more miles of canals than Venice, Italy, offering more waterfront residential parcels than anywhere else on earth.
Lee CountyA world-renowned sanctuary barrier island dedicated to conservation and low density.
Simone's fun fact
Due to its east-west geographic orientation, Sanibel acts as a giant natural scoop for sea shells, earning it the title of 'Shelling Capital of the Western Hemisphere.'
Lee CountyBoutique gulf-side enclaves situated right at the Collier County threshold.
Simone's fun fact
Home to Barefoot Beach Preserve, consistently ranked among the top 10 preserved barrier island beaches in the United States.
Collier CountyWorld-class luxury dining, manicured championship golf, and iconic Gulf sunsets.
Simone's fun fact
Naples has the highest concentration of golf holes per capita in Florida and is routinely named one of the healthiest, highest-wealth communities in America.
Free Relocation Packet
Florida Math, Simplified
Project your taxable value with the 3% Save Our Homes cap.
Open calculatorCheck off the features that can lower the wind portion of your premium.
Open calculatorSee how much renovation budget you have before the 50% rule kicks in.
Open calculator
