Florida real estate 2026 across Miami, Palm Beach, Naples, Sarasota and Tampa: the costs, insurance, condo and Amendment 3 facts to check before you commit, and how I preserve ownership options.
Mortgage rates at 7.40% have frozen the market without crashing it. I price the lock-in in dollars, put odds on what happens next, and compare Palm Beach, Miami, Naples, Sarasota and Tampa with measured data. Then I show the one piece of infrastructure that lowers the cost of moving: instant settlement.
NAR’s settlement is affirmed, and the MLS compensation field is gone. With fees negotiated in daylight, a brand must prove its distribution, its title readiness and its closing execution. A logo can signal trust. It cannot create liquidity.
Every asset eventually becomes software. Dubai has tokenized government title deeds and opened a regulated secondary market targeting $16 billion by 2033. Miami proves the demand side. The Second Edition of The Ownership Thesis™ maps the four-stage migration of the $400 trillion property market from paper to programmable infrastructure.
Issue #007 of Florida 3.0 Sovereign Signal™: title insurance collected $18.5B in 2025 and paid just $667M in claims — a 3.6% loss ratio. The full settlement stack now imposes a $25 billion friction tax on American real estate. Here’s why infrastructure, not demand, is the bottleneck.