The Villages, Florida : Canadian buyer & snowbird guide.

1. Identity card

Sources: US Census Bureau ACS 2024, Florida Realtors county reports 2026, county property appraiser certified millage 2025, Florida Department of Revenue.

2. Who this city suits, who it does not

This city suits

A Canadian couple aged 55 or older, retired or near-retired, with a comfortable but not unlimited budget (homes from approximately 200,000 USD for older patio villas in Lake County to over 1 million USD for premier homes south of CR-466), who want a structured retirement environment built around golf cart mobility, organized activities, executive golf courses, and a fully developed commercial spine with hospital, clinics, grocery, restaurants, and entertainment within a few miles of every home. The community fits Canadians whose social model is club membership and structured activity, not unstructured leisure on a beach. It also suits Canadians who have already lived through one or two Florida coastal experiences and have concluded that hurricane storm surge, ocean-grade insurance premiums, and condo special assessments are not for them.

This city does not suit

A Canadian buyer under 55 cannot purchase here unless their household has at least one occupant aged 55 or over, and even then no full-time resident may be under 19. A Canadian with children or grandchildren who would need to live with them more than 30 days per calendar year cannot use this community as a primary residence. A Canadian who measures Florida by the beach will be frustrated: the closest beach is approximately 90 minutes by car. A Canadian francophone looking for the institutional French-speaking ecosystem of Hollywood, Hallandale, or Pompano Beach will not find it here. A Canadian investor looking for short-term rental yield should look elsewhere: the deed restrictions, the demographic, and the strong preference for monthly winter rentals make this a long-stay seasonal-rental market, not an Airbnb market.

Why this matters for Canadians

The cost structure in The Villages is not driven by waterfront premium, condo special assessments, or coastal insurance. It is driven by Community Development District (CDD) bonds, CDD maintenance, and a monthly amenity fee. These are three line items that do not appear in coastal Florida budgeting and that surprise first-time Canadian buyers. Property taxes in Sumter County are among the lowest in Florida by millage rate (4th lowest county per Florida Tax Watch 2023), but the savings get partly offset by CDD assessments on the tax bill. Homeowners insurance is materially cheaper than coastal Florida (no storm surge exposure, no HVHZ requirements), which is a real advantage for a Canadian buyer rebalancing after a Boca Raton or Naples quote.

What to retain

The Villages is a self-contained inland retirement product. The cost question is not "is it cheap" but "is the bond, the maintenance, the amenity fee, the trail fee, the golf cart, and the lifestyle package right for our profile." Canadians who treat it as a vacation property forget that the amenity fee continues to bill whether you are in residence or not.

3. Climate and seasonality

The Villages sits in Central Florida, roughly 45 miles northwest of Orlando and 20 miles south of Ocala. Climate is humid subtropical, hot summers, mild winters, with rainfall concentrated in late spring and summer afternoons.

Typical range. Source: NOAA Climate Normals for nearby stations (Ocala and Leesburg).

Hurricane season runs June 1 to November 30. The Villages is inland, approximately 60 miles from the Atlantic coast and 30 miles from the Gulf of Mexico, which materially reduces storm surge exposure (none) and direct landfall exposure compared with coastal cities. The most recent material event was Hurricane Milton in October 2024, which crossed Central Florida after Category 3 landfall near Siesta Key. Milton caused flooding at Lake Sumter Landing boardwalk, golf course flooding by design (the golf courses serve as retention infrastructure), and extensive debris that took weeks to remove. Source: NOAA Historical Hurricane Tracks; Villages-News.com reporting December 2024.

High season runs January through March, when the population swells with snowbirds (Canadian, Midwestern, and Northeastern). Many rental homes are booked a year in advance for January through March, with peak monthly rents from 3,000 USD to 5,500 USD plus depending on home and location. Off-peak months (April, May, October, November) are noticeably quieter and cheaper.

4. Canadian presence

This section is short by design. The Villages has a Canadian snowbird presence, but it is overwhelmingly English-speaking, and the francophone Canadian ecosystem that exists in Hollywood, Hallandale Beach, and Pompano Beach has no equivalent here.

Verified fact. According to 2024 ACS data, 96.2% of households in The Villages CDP report speaking only English at home, and only 1% report Spanish. The foreign-born population is 5.6%. Source: U.S. Census Bureau, 2024 ACS 5-year estimates for The Villages CDP. The "French ancestry" figure cited by some commercial directories (approximately 4%) refers to heritage, not to French-speaking residents.

Typical range. Anecdotal reports from local realtors and the Talk of The Villages forum suggest a Canadian resident and seasonal population, but the institutional francophone infrastructure (newspapers, Catholic mass in French, francophone associations, francophone medical clinics) is absent. Canadian snowbirds who want a French-speaking environment generally choose South Florida or the Hollywood-Hallandale-Pompano corridor instead.

Opinion. For a Quebec or Acadian francophone retiree whose social model relies on doing daily activities in French (mass, coffee, medical appointments, condo board meetings), The Villages will feel isolating. For a bilingual or anglophone-comfortable Canadian retiree, the lack of French-speaking institutions is not a barrier and is offset by the depth of structured English-language activity in the community.

5. Real estate market

5a. Current snapshot

Verified fact, dated. Real estate activity in The Villages is dominated by single-family homes and attached villas (Patio Villa, Courtyard Villa, Cottage, Designer, Premier). Condominium units in the traditional vertical sense are rare; what realtors loosely call "condos" in The Villages is typically a small attached villa under a CDD, not a high-rise condominium under Chapter 718 of the Florida Statutes. Source: Houzeo housing market data, Redfin neighborhood data.

5b. Historical trends

The community has expanded continuously southward since the 1980s, from an original mobile home park (Orange Blossom Gardens in Lake County) to the current footprint across Sumter, Lake, and Marion counties. Population grew from approximately 51,000 in 2010 to 79,077 at the 2020 Census, to an estimated 83,498 in the 2024 ACS, and a projected 89,185 in 2026. Source: U.S. Census Bureau; World Population Review 2026 projection.

Home values appreciated sharply during the COVID-era boom (2020 to 2022), with median sale prices rising roughly 40% to 50% in that window. Post-2022, prices have stabilized or declined modestly in nominal terms, with Houzeo reporting a 8.44% year-over-year decline in median price as of early 2026.

5c. External shocks and how to read the numbers

Opinion, to weigh against your own data. The raw price numbers for The Villages cannot be interpreted without four overlays.

First, the COVID boom (2020 to 2022) inflated retirement-community demand nationally. Buyers locked in prices that may not be supported by long-term demographic and rate trends.

Second, the interest rate cycle (2022 to 2024). With mortgage rates moving from ~3% to over 7%, demand from buyers who finance dropped materially. Many Villages buyers pay cash (the 2021 Realtor.com average down payment was 27.1%, among the highest nationally), but the marginal buyer still adjusts.

Third, Hurricane Milton (October 2024). Although The Villages is inland and not subject to storm surge, Milton produced flooding, downed trees, and weeks of debris collection. Some buyers updated their inland-Florida assumptions; some sellers accelerated listings.

Fourth, the Florida insurance crisis (2022 to present) has affected the entire state, including inland markets. Insurance premiums in The Villages remain lower than in coastal Florida, but they have moved upward like the rest of the state.

Practical conclusion: the median price headline is one input. A Canadian buyer should price each candidate property as median price + bond balance + annual maintenance + amenity fee + insurance + projected utility bill, then compare to a Canadian budget after FX conversion.

5d. Local fault lines

CR-466 (County Road 466) is the historical north-south fault line. North of 466 sits the older, more compact, Lake County and northern Sumter portion of The Villages. South of 466 sits the newer, larger, Sumter County expansion. Bonds are typically paid off or nearly paid off on the north side; bonds are active and material (the remaining balance is parcel-specific: pull it from the district finance office before any offer) on the south side. Homes on the north side trade at lower absolute prices for smaller lots and older construction; homes on the south side trade higher for newer construction with larger footprints.

FL-44 marks the further southern frontier, with the newest developments (Hammock at Fenney, Village of Newell, Village of Marsh Bend, and others) sitting south of FL-44 in the most recently developed land acquired by the Holding Company of The Villages.

US-441 runs through the historical Lake County core (Spanish Springs area). Properties east of 441 in the original Lake County core have no bond and may have municipal taxes (Lady Lake city, Fruitland Park city, Pine Ridge) layered on top of the county millage.

The Sumter County / Wildwood line matters because parcels inside the City of Wildwood are subject to the Wildwood city millage of 2.8287 mills in addition to the county and school millage. Most The Villages parcels are in unincorporated Sumter County, but some southern portions cross into Wildwood.

5e. Neighborhoods to know

Spanish Springs (Lake County, north of 466). The historical heart of The Villages, with the original Town Square. Smaller villas, older construction (1990s and early 2000s), bonds typically paid off. Lower entry prices (typically 200,000 to 350,000 USD), more compact lots, less new construction.

Lake Sumter Landing (Sumter County, middle). The middle-age tier, built out during the 2000s. Mid-size Designer homes and Patio Villas, active CDD bonds, established neighborhoods. Typically 300,000 to 500,000 USD.

Brownwood Paddock Square (Sumter County, south). The newer southern town square, built out 2010s, with the Brownwood area surrounding it. Premier homes available, larger lots. Typically 400,000 to 800,000 USD.

Village of Fenney and southern villages (Sumter County, south of FL-44). Newest construction (mid-2010s to present). New Premier homes, larger lots, the highest bond balances. Typically 450,000 to over 1 million USD.

The Lofts at Brownwood. Apartment-style rental product near Brownwood Paddock Square, with 1, 2, and 3-bedroom units. Tenants pay through the amenity fee structure. Useful for Canadians wanting to "try before they buy" a permanent home.

5f. Special mentions

The Villages is an HOPA 55+ community. Under federal law (Housing for Older Persons Act of 1995), at least 80% of occupied homes must have at least one resident aged 55 or older. The remaining 20% may have occupants under 55, but the community policy in The Villages is that no full-time resident may be under 19 in age-restricted villages, and visiting children and grandchildren may stay a maximum of 30 days per calendar year. Source: HOPA, 42 U.S.C. § 3607; The Villages official FAQ.

The Villages does not have traditional condominium inventory subject to Senate Bill 4-D (SB-4D) milestone inspection rules. Most Villages homes are single-family or attached villas governed by CDD rules and deed restrictions, not by Chapter 718 condominium law. Canadian buyers who have read about SB-4D for Miami Beach, Hollywood Beach, or Hallandale should understand that the milestone inspection regime does not apply here in practical terms.

The Villages does have a Wind-Borne Debris Region (WBDR) requirement for properties in parts of Sumter and Lake counties. Verify by parcel with the property appraiser. WBDR requires impact-resistant glazing or storm shutters on new construction. Older homes may have been built to lower wind standards.

6. Total cost of ownership

6a. Worked example: median single-family home at 380,000 USD, Canadian non-resident buyer (no homestead exemption)

Acquisition assumptions:

• Purchase price: 380,000 USD
• Assessed value (approximately 85% of market): 323,000 USD
• Sumter County total millage: 10.8422 mills
• Homestead exemption: not available (non-resident)
• Save Our Homes 3% cap: not available (non-resident)

Annual recurring costs (USD):

Typical range. This excludes mortgage payments, repairs, and major capital items (roof, HVAC replacement). It also excludes one-time items: bond payoff (if elected, a parcel-specific balance verified with the district finance office, r furniture or transition costs.

Verified fact. The monthly amenity fee published by The Villages on its official site is 189 USD for new home purchases at the most recent update; some third-party sources (Stay The Villages, April 2025) cite 199 USD and 204 USD. The amenity fee is indexed to the Consumer Price Index and adjusts periodically. Source: thevillages.com official FAQ.

6b. Interactive calculator placeholder

A property tax and total cost of ownership calculator should be embedded here, with inputs:

• Property type (Patio Villa, Designer, Premier)
• Purchase price (USD)
• County (Sumter, Lake, Marion) and municipality if any (Wildwood, Lady Lake, Fruitland Park)
• Bond active or paid

Data needed for the calculator:

• Sumter County millage breakdown: county 4.8900 + schools 4.9120 + water board 0.1831 = 10.8422
• Wildwood city millage (if applicable): 2.8287
• Assessed-to-market ratio for non-homestead: approximately 0.85
• Amenity fee monthly: 189 USD to 204 USD (varies by purchase vintage)

6c. Homestead exemption and Save Our Homes

This calculation assumes a Canadian non-resident buyer who does not qualify for the Florida homestead exemption (50,000 USD reduction on assessed value for ad valorem purposes) and does not qualify for the Save Our Homes 3% annual cap on assessed value increases. A Canadian who legally establishes Florida residence (which has tax and immigration consequences) could qualify, but most Canadians retain Canadian tax residence and therefore retain the higher effective property tax rate computed above. See our complete guides at Florida Homestead exemption and Save Our Homes 3 % cap.

7. Physical risks

Hurricane risk: The Villages is inland Central Florida. Direct hurricane landfall risk is reduced relative to coastal Florida, but full crossing storms (Hurricane Milton in October 2024, Hurricane Charley in August 2004) bring Category 1 to Category 3 winds, heavy rain, and flooding to retention infrastructure. Source: NOAA Historical Hurricane Tracks.

Storm surge: None. The Villages is approximately 60 miles from the Atlantic and 30 miles from the Gulf, with no tidal water exposure. Source: NOAA SLOSH model; FEMA Storm Surge Maps.

Flood zones: The majority of The Villages CDP is in FEMA Flood Zone X (low to moderate risk, no NFIP flood insurance mandate for federally-backed mortgages). Specific parcels near retention ponds, in low-lying areas of Wildwood, or near natural drainage features may be in Zone A or AE. Verify by parcel via the FEMA Map Service Center (msc.fema.gov). Source: FEMA FIRM data for Sumter, Lake, and Marion counties.

Flood insurance premium in low-risk Zone X: typically 400 to 800 USD per year if elected (NFIP Preferred Risk Policy). In Zone A or AE near a pond, premium can be 2,000 to 5,000 USD per year.

Wind-Borne Debris Region (WBDR): Portions of The Villages are in WBDR per the Florida Building Code, which requires impact-resistant glazing or storm shutters on new construction in zones where the design wind speed exceeds 130 mph. Verify by parcel.

HVHZ (High-Velocity Hurricane Zone): Not applicable. HVHZ designation applies only to Miami-Dade and Broward counties.

Pre-FBC construction: The median construction year in The Villages is 2007 (Point2Homes). Florida Building Code (FBC) effective 2002. Approximately 32.9% of homes were built 2010 to 2019 and 50.7% between 2000 and 2009 (Point2Homes). A majority of The Villages housing stock was therefore built under the 2002 FBC or its successors. Older Spanish Springs villas (Lake County, pre-2002) may not meet current wind standards and may carry higher insurance premiums.

Sinkhole risk: Central Florida sits on karst limestone bedrock. Sumter County has experienced documented sinkhole events affecting The Villages, including incidents in 2017, 2018, 2020, and 2023 affecting homes and roads. This risk is real and is reflected in Florida insurance underwriting (sinkhole coverage is typically a separate optional endorsement). Source: Florida Geological Survey; Sinkhole Maps Sumter County data.

8. Rental investment

Short-term rental (STR, less than 30 days)

Last verified: May 16, 2026. STR regulation evolves; verify with Sumter County and the relevant CDD before committing.

Source: Florida Department of Revenue, TIP 20A01-06; Sumter County Ordinance No. 2020-13; The Villages CDD governing documents (districtgov.org).

Long-term rental (LTR, more than 30 days)

Most rental activity in The Villages is seasonal monthly rental, January through March being peak. Peak season monthly rents range from approximately 3,000 USD to 5,500 USD per month for furnished homes including the amenity fee in many cases. Off-season monthly rents drop materially (often 1,500 USD to 2,500 USD per month). Annual unfurnished rentals exist but are a minority of the market.

Typical range. Gross annual yield on a 400,000 USD home rented seasonally five months per year at an average of 3,500 USD per month is approximately 17,500 USD gross, or 4.4% before expenses (CDD assessments, amenity fee, insurance, taxes, management). Net yields are materially lower. Source: composite of Rent From a Villager, Our Villages Rental, RE/MAX Premier Realty Property Management published 2026 data.

Demand profile

The market is strongly seasonal: bookings concentrate from January through March, with shoulder demand in November, December, and April. June through September are slow. The renter pool is overwhelmingly 55+ retirees (often from Canada, the Northeast US, and the Midwest) on test stays before purchasing.

9. Daily life

9a. Healthcare

UF Health The Villages Hospital (formerly The Villages Regional Hospital, then Spanish Plaines Hospital). 307-bed acute-care hospital. Address: 1451 El Camino Real, The Villages, FL 32159. Phone: 352-751-8000. Cardiac, orthopedic, cancer, and emergency services. Part of UF Health Central Florida (acquired by UF Health January 2020). Source: UF Health official.

UF Health Leesburg Hospital. Sister acute-care hospital approximately 15 miles southeast in Leesburg. Open-heart surgery program.

UF Health Freestanding ER at Brownwood. 24/7 emergency room serving the southern Villages area. Address: 3800 Meggison Road, The Villages, FL 32162. Phone: 352-570-6100.

The Villages Health. A primary care network with multiple clinics throughout the community, separate from UF Health, focused on Medicare-eligible patients.

Bilingual French providers: Limited. Canadian patients should plan for English-only medical encounters and rely on Canadian travel medical insurance or US private coverage during stays. RAMQ (Quebec), OHIP (Ontario), and other provincial plans cover only emergency portions of foreign care at low reimbursement rates. See our health chapter.

9b. Canadian banking presence

RBC Bank US has Florida operations but no branch in The Villages itself. Nearest branches are in the Orlando metro area (50+ miles). RBC Bank offers cross-border accounts useful for Canadian snowbirds.

TD Bank does not have a branch presence in Sumter County. Nearest branches are in the Orlando area.

BMO Bank N.A. does not have material Florida retail presence.

Practical implication: Canadian snowbirds in The Villages typically open a US account with a Florida-state bank (Truist, Bank of America, regional Florida banks) or with RBC Bank US online. See our banking chapter.

9c. Walkability and car-dependency

Walk Score for The Villages CDP is in the car-dependent range (typically under 30), but the community is golf-cart dependent rather than car-dependent for in-community travel. The Villages has approximately 90 to 100 miles of golf cart paths connecting homes, town squares, the hospital, grocery stores, and amenity centers. Many residents report cutting car use by 50% or more after moving in. For travel outside The Villages (airports, Orlando, beaches), a car is required.

9d. Access from Canada

The Villages has no commercial airport. Canadian access uses Central Florida airports.

Orlando Sanford International (SFB), Sanford, FL. 56 miles, approximately 1 hour drive via I-4 or local routes. Low-cost carrier focus. Direct flights from Canada (high season, November to April): Sunwing seasonal service from YYZ (Toronto), YHM (Hamilton), YUL (Montreal), YOW (Ottawa); WestJet limited seasonal service. Verify current schedules with carriers.

Orlando International (MCO), Orlando, FL. 66 miles, approximately 1 hour 10 minutes drive via Florida's Turnpike. Major hub. Direct flights from Canada year-round and peak-season: Air Canada direct from YYZ (Toronto), YUL (Montreal), YOW (Ottawa); WestJet direct from YYZ, YUL, YYC (Calgary), YEG (Edmonton); Air Transat seasonal from YUL, YYZ; Porter Airlines from YOW and YTZ. MCO is the preferred airport for most Canadian snowbirds due to airline depth.

Tampa International (TPA). 92 miles, approximately 1 hour 45 minutes drive via I-75. Direct service to YYZ on Air Canada and WestJet; YUL seasonal.

Daytona Beach International (DAB). 67 miles. Limited Canadian service.

Gainesville Regional (GNV). 70 miles. Limited utility for Canadian arrivals.

Practical pattern: book MCO for flexibility and price, SFB for off-peak low-cost. Plan 75 to 90 minutes door-to-airport from The Villages. Local shuttle services (Village Airport Van, Groome Transportation) operate between The Villages and MCO/SFB at one-way fares from approximately 40 USD to 60 USD.

9e. Major highways and regional access

Florida's Turnpike runs east of The Villages, connecting south to Orlando and south Florida, and north to I-75 near Wildwood.

I-75 runs west of The Villages, connecting north to Ocala and Gainesville, south to Tampa, Bradenton, Sarasota, and Naples.

US-301 runs through the eastern edge of the community.

FL-44 runs through the southern portions of The Villages, connecting east to Eustis and west toward I-75 and the Gulf coast.

Public transit: minimal. Sumter County has limited transit. In-community travel relies on golf cart paths. Regional travel relies on personal vehicle or paid shuttle.

10. City-specific traps

1. Buying a southern Villages home (south of CR-466) without reading the CDD bond balance disclosure. Active bonds on newer Premier homes carry a remaining principal that is parcel-specific (pull the exact balance and amortization from the district finance office), paid as an annual non-ad valorem assessment on the property tax bill. Many Canadian buyers ignore the bond and discover a 1,500 to 2,800 USD per year line item they did not budget. Verify bond status via districtgov.org before signing.

1. Assuming the amenity fee is paid only when in residence. The amenity fee bills monthly regardless of occupancy. For a Canadian who occupies five months a year, the amenity fee still totals approximately 2,300 to 2,500 USD per year.

1. Failing to verify that the parcel is in unincorporated Sumter rather than the City of Wildwood (or Lady Lake / Fruitland Park). Parcels inside a municipality carry additional city millage (Wildwood 2.8287 mills, Lady Lake 3.7281 mills approximately, Fruitland Park separate rate). The total tax bill can be 25% to 35% higher than for an unincorporated parcel of similar value.

1. Assuming HOPA permits a teenage child or grandchild to live in the home full-time. Federal HOPA and Villages deed restrictions prohibit any full-time resident under age 19 in the age-restricted villages. Visiting children and grandchildren are limited to 30 days per calendar year. A Canadian family hoping to relocate with adult children plus their school-age grandchildren cannot use The Villages as a primary residence.

1. Underestimating sinkhole disclosure and insurance exclusions. Sumter County and Central Florida sit on karst limestone, and sinkhole events have damaged Villages homes. Sinkhole coverage is typically a separate insurance endorsement excluded from standard HO-3 policies. Canadian buyers should request a sinkhole-history disclosure for the parcel and price an optional sinkhole endorsement (typically 1,000 to 2,500 USD per year additional).

1. Booking a winter rental for less than one month and discovering the deed restriction is 30-day minimum. Many Villages neighborhoods have deed-restricted minimum rental terms. A Canadian buyer who intends to operate weekly Airbnb-style rentals may find that the property cannot be used that way under its CDD rules. Verify before purchase.

1. Treating the Florida insurance quote like a Canadian insurance quote. Insurance in The Villages is materially lower than in coastal Florida (no storm surge, lower wind risk) but is still 1.5 to 2.5 times Canadian benchmarks for an equivalent home. Canadian buyers comparing to their Toronto or Montreal homeowners policy will be off by a factor of two.

1. Buying a north-of-466 home in Lake County without checking municipal taxes. The historic Lake County portion is partly inside the towns of Lady Lake and Fruitland Park, each with their own city millage. A "no bond" property north of 466 may carry higher annual property tax than expected because of the city overlay.

11. Owner's toolkit

Property appraiser (Sumter, majority of parcels). Sumter County Property Appraiser. URL: sumterpa.com. Lookup tool: parcel search by address. Phone: 352-569-6800. Use to verify assessed value, exemptions, sales history, and municipal overlay.

Property appraiser (Lake County, north portion). Lake County Property Appraiser. URL: lakecopropappr.com.

Property appraiser (Marion County, far north portion). Marion County Property Appraiser. URL: pa.marioncountyfl.org.

Tax collector (Sumter). Sumter County Tax Collector. Issues annual TRIM notice in August, final tax bill in November. Florida discount schedule: 4% if paid in November, 3% in December, 2% in January, 1% in February, no discount if paid March, due by March 31. URL: sumtertaxcollector.com.

Permitting. Permits for additions, pool, roof, electrical, plumbing, and exterior modifications go through the County Building Department (Sumter, Lake, or Marion as applicable), AND through The Villages Architectural Review Committee for compliance with deed restrictions and aesthetic standards. Both reviews are required.

Code enforcement and deed compliance. The Villages Community Standards Department handles deed compliance issues. Contact: [email protected].

CDD information. All CDD assessments, bond schedules, and amenity fee details: districtgov.org. This is the authoritative source for any CDD-related question.

Utilities. The Villages District operates a combined utility bill including water, wastewater, irrigation, sanitation, and the amenity fee. Account setup through the District (districtgov.org) at purchase.

Hurricane preparedness. Sumter County Emergency Management: sumtercountyfl.gov/emergency. Evacuation zones (typically not required for The Villages residents given inland location), debris management protocols, sandbag locations. The Villages itself operates a hurricane communication channel.

Emergency numbers. 911 for all emergencies. UF Health The Villages Hospital ER: 352-751-8000. Sumter County Sheriff non-emergency: 352-793-2621.

12. Further reading

• See our FIRPTA : 15 % withholding on US property sales by foreign persons guide for the 15% withholding mechanics when you sell.
• See our Florida Homestead exemption guide for why Canadian non-residents do not qualify for the homestead exemption.
• See our Save Our Homes 3 % cap guide for the 3% cap that Canadian non-residents do not benefit from.
• See our East vs West vs Central Florida : Florida's three zones for Canadians guide for the structural choice between Florida's coastal and inland markets.
• See our Choosing a Florida city as a Canadian : 7-step journey guide for the framework Canadians use to pick a city.

CanadaFlorida Editorial Team

Research drawn from primary public sources cited at the bottom of every guide: U.S. and Florida statutes, U.S. and Canadian federal agencies, official Florida county and state authorities, and Canadian provincial bodies where applicable. Every figure, rate, threshold, and deadline in this guide is drawn from a verifiable primary source listed at the bottom of the page. The article is updated whenever the underlying rules change, with a fresh review date stamped at the top.

Essential disclaimer

Educational purpose only. This document is reference information. It is not legal, tax, accounting, real estate, immigration, medical, or financial advice and does not create a client-professional relationship. Before any concrete decision, consult a licensed professional in the relevant jurisdiction: a Florida-licensed attorney, a cross-border tax professional, a Florida-licensed insurance broker, an immigration attorney, or your physician, depending on the question at hand.