# Downloads and checklists

> Free printable PDFs from Moore Realty Group: an Apopka home buyer's checklist, a Florida closing cost cheat sheet, a seller's pre-listing checklist, a homestead filing checklist, a moving checklist and a land due-diligence list.

Source: https://moorerealtyapopka.com/downloads/ · Last updated 2026-11-12 · Robert Moore, Broker/Owner, Moore Realty Group, Inc. · 352-504-6371

- [Home](https://moorerealtyapopka.com/)
- Downloads and checklists

6 printable PDFs · free

# Print it. *Tick it off.*

One-page checklists and cheat sheets for the moments when a list on the fridge beats a browser tab. No email required: click and it downloads. Figures checked November 12, 2026

[Buying · PDF · 201 KB

### Apopka home buyer's checklist

Every step from budget to keys, in the order Florida's contract runs.Download](https://moorerealtyapopka.com/downloads/apopka-home-buyer-checklist.pdf)[Costs · PDF · 245 KB

### Florida closing cost cheat sheet

Doc stamps, title rates, recording fees and who customarily pays, on one page.Download](https://moorerealtyapopka.com/downloads/florida-closing-cost-cheat-sheet.pdf)[Selling · PDF · 198 KB

### Florida seller's pre-listing checklist

What to gather, fix and decide before listing, including what Florida insurers look at.Download](https://moorerealtyapopka.com/downloads/florida-seller-pre-listing-checklist.pdf)[Relocating · PDF · 192 KB

### Moving to Apopka: first 90 days

Utilities, homestead, insurance and the local to-do list for your first three months.Download](https://moorerealtyapopka.com/downloads/moving-to-apopka-first-90-days.pdf)[Taxes · PDF · 233 KB

### Florida homestead filing checklist

Who qualifies, what to bring, the March 1 deadline, portability and what changes in 2027.Download](https://moorerealtyapopka.com/downloads/florida-homestead-filing-checklist.pdf)[Land · PDF · 188 KB

### Land buyer's due-diligence checklist

Access, zoning, water, septic, wetlands, survey and title: what to verify before closing on land.Download](https://moorerealtyapopka.com/downloads/land-due-diligence-checklist.pdf)

What is here

6 free checklists from Moore Realty Group in Apopka, Florida, each available as a PDF and as text on this page. They use Florida's 2026 rates and deadlines and were checked on November 12, 2026.

## Apopka home buyer's checklist

From first budget to keys, in order. Tick each box before you move to the next stage.

### Before you look

- Check your credit reports and fix errors
- Add up your monthly debts before you talk to a lender
- Get a written pre-approval, not a pre-qualification
- Ask the lender about Florida Hometown Heroes and Orange County assistance
- Price the true monthly cost: loan, Apopka property tax, insurance, HOA and any CDD
- Sign a written buyer-broker agreement (MLS rules have required one before touring since August 2024); the fee is negotiable

### Choosing the home

- Confirm city of Apopka or unincorporated Orange County (different tax districts)
- Ask for HOA fees, rules and any CDD assessment in writing
- Check the FEMA flood zone for the address
- Ask the roof's age and the ages of the water heater, HVAC and electrical panel
- Drive the commute at the hour you would actually drive it

### The offer

- Review recent closed sales nearby with your broker
- Decide deposit (commonly 1% to 3% of price), inspection period and closing date
- Financing contingency: know your loan-approval deadline (30 days if left blank)
- Verify wire instructions by phone before sending the deposit

### Inspection period (15 days if left blank)

- Home inspection
- 4-point inspection (roof, electrical, plumbing, HVAC)
- Wind mitigation inspection (can lower the premium)
- Get bindable insurance quotes before the period ends
- Specialists as needed: roof, pool, septic, well, termite (WDO)
- Decide: proceed, renegotiate or cancel in writing before the deadline

### To closing

- Appraisal ordered and reviewed
- Review the title commitment, survey and HOA estoppel
- Compare the Closing Disclosure to your Loan Estimate as soon as you receive it
- Final walk-through
- Wire cash to close using instructions you verified by phone
- Bring government ID to closing

### After closing

- File for the homestead exemption by March 1 with the Orange County Property Appraiser
- If you left a Florida homestead within the last three tax years, file for portability
- Set up utilities and update your insurance mailing address
- Keep the closing statement and title policy with your tax records

[Download the PDF](https://moorerealtyapopka.com/downloads/apopka-home-buyer-checklist.pdf)

## Florida closing cost cheat sheet

The rates behind every Florida closing statement, with who customarily pays in Orange County. Customs are negotiable; statutes are not.

State taxes

| Item | Who usually pays | Rate |
| --- | --- | --- |
| Documentary stamps on the deed (outside Miami-Dade) | Seller | $0.70 per $100 of price |
| Documentary stamps on the note | Buyer | $0.35 per $100 borrowed |
| Intangible tax on the mortgage | Buyer | 0.2% of the loan |

Title insurance (state-set rates)

| Coverage | Who usually pays | Rate |
| --- | --- | --- |
| Owner's policy, first $100,000 | Seller in Orange County | $5.75 per $1,000 |
| Owner's policy, $100,000 to $1 million | Seller in Orange County | $5.00 per $1,000 |
| Lender's policy issued with it | Buyer | $25 plus endorsements |
| Reissue credit (prior policy under 3 years) |  | $3.30 / $3.00 per $1,000 |

Other line items

| Item | Who usually pays | Typical |
| --- | --- | --- |
| Settlement or closing fee | Each side or split | $350 to $600 |
| Title search | Seller | $300 to $500 |
| Municipal lien search | Seller | $150 to $300 |
| HOA estoppel letter | Seller | $299 standard cap; more if rushed |
| Recording | Buyer | $10 first page, $8.50 after |
| 4-point and wind mitigation | Buyer | $75 to $175 each |

Worked example: $430,000 sale, $387,000 loan

| Item |  | Amount |
| --- | --- | --- |
| Deed stamps (seller) | 4,300 x $0.70 | $3,010.00 |
| Owner's title (seller) | $575 + 330 x $5.00 | $2,225.00 |
| Note stamps (buyer) | 3,870 x $0.35 | $1,354.50 |
| Intangible tax (buyer) | $387,000 x 0.002 | $774.00 |

Ranges for settlement, search and inspection fees are typical Orlando-area figures, not quotes. Ask your title company for a written estimate.

[Download the PDF](https://moorerealtyapopka.com/downloads/florida-closing-cost-cheat-sheet.pdf)

## Florida seller's pre-listing checklist

What to gather, fix and decide before the sign goes up. In Florida, the buyer's insurer has as much say as the buyer.

### Paperwork to gather

- Mortgage payoff statement (ask your servicer)
- Last property tax bill
- Survey, if you have one
- HOA contact, dues and any pending assessments
- Permits and receipts for roof, HVAC, water heater, electrical, plumbing
- Warranties and manuals
- Your owner's title policy (a reissue credit may apply if under three years old)

### What insurers and lenders check

- Roof: age, permit date, remaining life
- Electrical panel brand and wiring type
- Water heater age
- HVAC age and service record
- Plumbing supply-line material
- Consider a pre-listing 4-point inspection so there are no surprises

### Know your number

- Ask for a broker price opinion built from closed sales
- Run a seller net sheet at three prices
- Remember deed stamps: $0.70 per $100 of price
- Budget for tax proration: you credit the buyer for January 1 to closing
- Broker fees are negotiable: get them in writing

### Disclosure

- List every known defect that materially affects value and is not obvious
- Disclose past insurance claims, roof leaks, sinkhole or flood history you know of
- Gather HOA and CDD disclosures
- When unsure, disclose and ask your broker or a Florida real estate attorney

### Getting it ready

- Deep clean, declutter, neutral repairs first
- Pressure-wash, fresh mulch, trim trees off the roof
- Replace burnt bulbs, fix dripping taps, service the AC
- Clear attic, panel and water-heater access for inspectors
- Decide what stays and write it down

### Before you accept an offer

- Compare financing type, deposit, inspection period and closing date, not only price
- Check the buyer's pre-approval letter
- Understand any request to pay the buyer's broker or closing costs
- Put every deadline on a calendar the day the contract is signed

[Download the PDF](https://moorerealtyapopka.com/downloads/florida-seller-pre-listing-checklist.pdf)

## Moving to Apopka: first 90 days

The order that saves the most hassle after you arrive. Confirm current requirements with each agency; rules and fees change.

### Before the truck arrives

- Confirm whether the address is inside the City of Apopka or unincorporated Orange County
- Ask the seller or landlord which water, sewer, electric and trash providers serve the address
- Start electric and water service in your name for closing day
- Bind homeowners insurance effective on the closing date
- Forward your mail with USPS

### First two weeks

- Change the locks and garage codes
- Find the main water shut-off and the electrical panel
- Test smoke and carbon monoxide alarms
- Register with the HOA and get gate or amenity access
- Photograph the home's condition for your records

### First month

- Update your driver license and vehicle registration with Florida (check FLHSMV for current deadlines)
- Register to vote at your new address
- Service the air conditioner and change the filter
- Walk the roof line and gutters from the ground after the first heavy rain
- Learn your FEMA flood zone and your county's evacuation guidance

### By March 1

- File for the homestead exemption with the Orange County Property Appraiser
- File for portability if you left a Florida homestead within the last three tax years
- Keep proof of residency: Florida license, vehicle registration, voter registration

### Before June 1 (storm season)

- Review your wind deductible and flood coverage
- Trim trees away from the roof
- Stock water, batteries and medications
- Know how to shutter or protect openings

### Get to know Apopka

- Wekiwa Springs State Park: reserve day-use entry ahead
- Kelly Park / Rock Springs: arrive early, the park closes at capacity
- Lake Apopka Wildlife Drive: open Friday to Sunday and federal holidays
- West Orange Trail
- Northwest Recreation Complex and the Apopka Amphitheater

[Download the PDF](https://moorerealtyapopka.com/downloads/moving-to-apopka-first-90-days.pdf)

## Florida homestead filing checklist

File once, by March 1, and it renews automatically while you live there. Miss the deadline and the exemption generally waits until the next tax year.

### Do you qualify?

- You owned the home on January 1 of the tax year
- It was your permanent residence on January 1
- You are a Florida resident and claim no residency-based exemption elsewhere

### What to have ready

- Florida driver license or ID showing the property address
- Florida vehicle registration
- Florida voter registration, or a declaration of domicile
- Social Security numbers for all owners living there
- Recorded deed or closing statement
- If you are not a U.S. citizen: permanent resident card

### How to file

- File online or in person with the Orange County Property Appraiser (ocpafl.org)
- Deadline: March 1 of the first tax year you want the exemption
- File portability (Form DR-501T) at the same time if you left a Florida homestead within the last three tax years
- Ask about additional exemptions: senior, veteran, disability, widow or widower

What the exemption is worth

| Tax year | School taxes | Other taxes |
| --- | --- | --- |
| 2026 | $25,000 off assessed value | up to $51,411 off |
| 2027 (Amendment 3, estimate) | $25,000 off | up to $150,000 off |
| 2028 (Amendment 3, estimate) | $25,000 off | up to $250,000 off |

Amendment 3 was approved by voters on November 3, 2026 (unofficial until certified; implementing law pending). People who become Florida residents after 2026 phase in from $50,000. Save Our Homes then caps annual assessment increases at 3% or inflation, whichever is lower.

[Download the PDF](https://moorerealtyapopka.com/downloads/florida-homestead-filing-checklist.pdf)

## Land buyer's due-diligence checklist

Vacant land has no inspection report. This is the list to work through during your feasibility period, before your deposit is at risk.

### The parcel

- Parcel ID and legal description match the contract
- Acreage per survey, not per listing
- Boundaries marked and walked
- Current survey ordered; note encroachments and easements
- Price per acre compared with closed land sales nearby

### What you may build

- Zoning district and future land use confirmed with the county in writing
- Minimum lot size, setbacks and maximum density
- Deed restrictions or HOA covenants
- Any open code-enforcement cases or liens

### Access

- Legal, recorded access to a public road
- Who maintains the road
- Driveway or culvert permit needed
- Easements across the parcel for neighbors or utilities

### Water and waste

- Existing well: depth, age, flow, water test
- New well: permit requirements from the water management district
- Septic: site evaluation and permit from the county health department
- Distance to public water and sewer, and connection cost

### Ground and water

- FEMA flood zone
- Wetlands: ask for a delineation if any area looks wet
- Soil type and drainage
- Protected species or tree-removal rules
- Past use: fill, dumping, tanks, groves

### Money and paper

- Financing terms in writing: land loans usually need a larger down payment
- Property tax as vacant land; ask about agricultural classification rules
- Title commitment reviewed, including mineral rights and old easements
- Feasibility period end date on your calendar
- Utility availability letters where needed

[Download the PDF](https://moorerealtyapopka.com/downloads/land-due-diligence-checklist.pdf)

General information for Florida buyers and sellers. Not legal, tax, lending or insurance advice. Rates: Florida Department of Revenue, Florida Administrative Code 69O-186.003, Orange County Comptroller, Orange County Property Appraiser.