Helpful tips when buying a home on the water

There is a different collection of tips for purchasing waterfront properties as coastal homes are especially unique which of course makes them highly sought after. The breathtaking views, refreshing breeze and access to all the fun activities that being on the water brings are just some of the highlights. With the premier location there are some items to pay close attention to when you are considering an investment. Here are five tips for purchasing a waterfront home. 

Experienced Realtor

Whichever type of home you are looking to buy you will always want to work with an experienced real estate agent. This is particularly the case when buying a waterfront home  where you will want to work with an agent who has knows all of the ins and outs from insurance to home loans.

Permit possibilities

When you locate a home that you like and you may wish to add a dock, boardwalk or seawall to then you will want to do some research. If the home is currently lacking one of these items then it might mean that they may not be allowed by the city or town. Do some homework and find out if what you want to do is permitted and allowed by the city before you submit your offer. 

Water rights and usage

Depending on the actual location on the water it is also strongly recommended to find out about the usage that is allowed. For example are boats or jet skis allowed? Is general swimming safe? Is it public or private access? What is the wildlife like? All of these are great questions to seek the answers to before signing a deal.

Flood zone

While there is nothing quite as special as being right on the water, you will need to consider the close proximity when it comes to the potential of rising waters. Some buildings are more vulnerable than others but an inspector can help you with quality advice for the particular property of interest. 


With flood zones comes flood insurance. When properties are located in flood zones then flood insurance is a must and will be required by most mortgage companies. Depending on your home’s elevation certificate the amount of insurance that you need to carry can vary from home to home. Asking what the current owner pays is a good place to start just to get a general idea.

Ultimately there is nothing quite like living on the water so make sure you do your homework so you will be comfortably enjoying your new home’s view.