There are couple of things I'd like to point out regarding both the property taxes and HOA fees you see on the online listings, whether is a link that I email you or one that you view on other sites such as Realtor.com, Zillow, etc...
Because of the "Save Our Homes" Amendment, if a property is someone's primary residence (as opposed to an investment property), in Florida the counties are restricted by how much they can increase the property taxes for that property.
The effect is that if someone has lived in a property for a long time, their property taxes could be artificially low.
So you may see two properties that look similar, in the same subdivision, with two very different property tax amounts if one of them is owned by an investor, and the other by a homeowner who has lived in the property for years.
However, when the home is sold, the county will re-assess the property at the new contract price.
Now, if this will be your primary residence - you will receive the "Homestead tax exemption," (and possibly other exemptions you may qualify for) and going forward future property tax increases will be limited due to "Save Our Homes," but they will start off higher than what the previous owner was paying if they had lived in the home for quite a while.
Both Seminole and Orange counties have property tax estimator tools on their websites when you pull up a property.
As a ballpark currently, if the purchase price is around $275K - $300K, then expect to pay property taxes of somewhere around $3600 for the year (or about $300 per month).
If you are looking at a multifamily property (condo or townhome) then the HOA dues you see will always be "monthly."
However, if you are looking at a single-family home, the HOA dues are commonly either annual, semiannual or quarterly.
The problem is that most of the online property websites just show the amount, and neither don't specify what the payment schedule is, so many buyers mistakenly think it is monthly when it is not.
So my suggestion is to simply reach out to me whenever you have questions or need to verify the property taxes are HOA dues for a property. I can quickly look both of those up.
Every property is different of course, but you can ballpark roughly $100 - $150 per month for homeowner’s insurance for many properties.
Of course, let me know if you have any questions about any of this!