@Andy Zorychta are you firmly set on Sarasota? It's a great area, my grandfather sill owns the house a quarter mile from Siesta Key Beach that he built in 1960 and my Dad grew up in. He bought a canal front lot and built a house for $68k back then. My Dad and his brother used to dirt bike throughout the dirt roads on the key before tourism took hold. My grandfather's house has never flooded but is only 9' above mean high tide while regulations now require 11' above to be mortgage-able and insurable.