Dreaming of salt air, sunrise walks on the beach, and trading in your snow shovel for a seashell collection? You’re not alone. Many homeowners are drawn to the idea of selling their current homes and making a move to the coast—whether it’s for retirement, a lifestyle change, or simply to be closer to the water.
But before you pack your flip-flops, there are a few important steps to take to make sure your transition is as smooth as the ocean breeze.Step 1: Understand Your Financial Picture
Selling your current home and buying a coastal property involves timing, taxes, and sometimes, creative financing.
Meredith Fogle of The List Realty notes,
“Many sellers underestimate how different coastal real estate markets can be. Understanding your current home’s market value and how far your proceeds will go in your desired beach area is the first—and most important—step.”
Start by working with a trusted real estate professional to get a Comparative Market Analysis (CMA). This report helps you understand your home’s current value and what you can reasonably expect to net after selling costs and moving expenses.Step 2: Research Coastal Markets Early
Coastal markets can vary dramatically depending on location. A beachfront property in North Carolina’s Outer Banks will differ greatly in cost and insurance requirements from a condo in Ocean City, Maryland, or a cottage on the Gulf Coast.
Look into:
- Flood zones and insurance costs – Flood insurance can add a significant expense.
- Property taxes – These vary widely between states and even counties.
- Weather risks and maintenance – Salt air and humidity can take a toll on building materials.
Doing your homework early helps you avoid surprises later—and allows your real estate agent to help you identify realistic options that fit your budget and lifestyle.Step 3: Time Your Sale Strategically
The best time to sell your current home may not align perfectly with your dream coastal property’s availability. Fortunately, there are flexible solutions like bridge loans or rent-back agreements that can give you the breathing room you need to coordinate both transactions.
According to Meredith Fogle,
“We often help clients structure their sale so they don’t have to rush their coastal purchase. A little strategy up front can mean a much less stressful move later.”
Step 4: Work With Local Experts—Both Here and There
Even if you’re working with a trusted local agent to sell your current home, make sure you connect with a coastal specialist in your target area. Coastal markets have unique dynamics—waterfront regulations, erosion control zones, short-term rental ordinances, and hurricane-resistant building standards, just to name a few.
Your agent at The List Realty can help connect you with a vetted, experienced partner in your destination market to make the process seamless from listing to landing.Step 5: Plan for Lifestyle Adjustments
Life at the beach might be exactly what you’ve imagined—but it’s still a big change. Consider accessibility to healthcare, grocery stores, and other essentials, especially if you’re moving to a quieter or more remote coastal area.
Think about how your daily rhythm will change, and make sure your new community offers the amenities and pace that suit you best.The Bottom Line
Selling your home and moving to the coast can be a thrilling new chapter, but the key to success is planning ahead and partnering with the right experts.
As Meredith Fogle of The List Realty puts it,
“Our goal is always to make your next move not just possible, but enjoyable. With the right preparation, selling your current home can open the door to your coastal dream lifestyle.”
If you’re considering a move to the coast, contact The List Realty today to learn how to position your current home for a top-dollar sale and connect with trusted professionals in your future destination.
