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Talk to a Specialist →The Three Models
| Factor | High-Rise Condo | Attached Villa | Detached SF |
|---|---|---|---|
| Typical PBC Example | Century Village, Kings Point | Whisper Walk, Floral Lakes | Valencia Shores, Cascade Lakes |
| HOA Model | All-inclusive ($450–$750) | Partial ($300–$500) | Basic ($200–$350) |
| HOA Includes | Insurance, cable, water, maint. | Exterior maint, roof, common areas | Common areas, amenities only |
| Your Insurance | HO-6 only ($35–$50/mo) | Full policy ($180–$250/mo) | Full policy ($200–$350/mo) |
| SB 4-D Exposure | High (3+ story buildings) | Low (1–2 stories typically) | None (individual structures) |
| Special Assessment Risk | Highest | Moderate | Lowest |
| Financing Availability | Limited (many buildings) | Generally available | Standard conventional |
| Monthly at $300K | ~$870 (if $180K purchase) | ~$1,050 | ~$1,100 |
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The Decision
High-rise condos have the lowest purchase price and the highest HOA because everything is bundled. They also carry the highest SB 4-D risk and the most limited financing options. Attached villas are the middle ground: lower SB 4-D risk (most are 1–2 stories), moderate HOAs, and broader financing options. Single-family homes have the simplest structure: you own your lot, carry your own insurance, and have minimal association risk. The monthly costs are similar across types at comparable purchase prices — the difference is where the money goes (HOA vs insurance vs individual maintenance).
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