Buying waterfront property in Charlotte County is different from buying a standard home. This checklist covers the critical items that can save you tens of thousands of dollars and prevent costly surprises after closing.
Water Access & Navigation
Not all waterfront is created equal. Understanding your water access determines what size boat you can use, how quickly you can reach the Gulf, and ultimately affects resale value.
- Water body type: Canal, River, Harbor, Direct Gulf Access, or Sailboat Water
- Bridge restrictions: Check height of nearest bridge (e.g., Burnt Store Bridge is 25\')
- Lock system: Franklin Lock can affect access times significantly
- Tidal considerations: Low tide depth at dock matters for navigation
- Direct Gulf access time: How long does it take to reach open water?
- Boat lift: Is one present? What is the capacity?
- Seawall: Present, or riprap? Condition?
Flood Zone & Insurance
Flood insurance costs can vary from a few hundred to several thousand dollars annually. Understanding your flood zone before purchase is essential for budgeting.
- FEMA Flood Zone: Request the official flood zone designation (AE, VE, or X)
- Elevation Certificate: Request from seller—this determines insurance costs
- Base Flood Elevation (BFE): Compare to home elevation
- Current flood insurance premium: Ask seller for recent policy
- Prior flood claims: Request CLUE report for claim history
- CRS discount: Charlotte County participates in Community Rating System
Seawall & Dock Inspection
Critical: Seawall replacement costs $400-$1,200 per linear foot. A typical replacement runs $20,000-$60,000+. Always get a professional inspection.
- Seawall type: Concrete, vinyl, or steel (each has different lifespans)
- Seawall age: When was it installed? Last inspected?
- Visible damage: Cap cracks, tie-back visibility, erosion behind wall
- Dock condition: Piling material and condition, operational boat lift
- Permits: Are dock permits on file with Charlotte County?
Environmental & Regulatory
Waterfront properties have additional regulations that can limit what you can do with your property.
- Mangroves: Trimming requires permits—never remove without approval
- Protected shoreline: May limit modifications
- Manatee zones: Affects boat speed and dock use
- Wetlands: Check for wetlands on or adjacent to property
- HOA restrictions: Many HOAs limit dock/boat size
8 Questions to Ask the Seller
- When was the seawall last inspected or repaired? (Get documentation)
- Have there been any sinkhole, foundation, or seawall movement issues?
- What is the history of storm damage to the dock/seawall?
- Are all dock and seawall permits available and up to date?
- What is the typical water depth at low tide?
- Are there any pending special assessments for canal dredging or seawall repairs?
- What size boat can safely navigate from this location?
- Has the property ever flooded? (Check disclosure and CLUE report)
Recommended Inspections
Seawall Inspection
By marine contractor: $200-$500
Dock/Pilings Inspection
Check structural integrity: Included or $200+
Wind Mitigation Report
For insurance savings: $75-$150
Four-Point Inspection
Roof, HVAC, Electric, Plumbing: $75-$150
Ready to Tour Waterfront Homes?
Leo specializes in waterfront properties throughout Charlotte County. Schedule a tour to see available homes with Gulf access.