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Old 12-28-2018, 05:10 PM   #41
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As I understand it, Personal Property taxes are set by the county. There are 3 counties in VA that do not charge PPT on boats.

It is possible that some cities may also charge a tax on boats, but that is in addition to the county taxes.
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Old 12-31-2018, 02:26 PM   #42
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Where to live on East Coast

I was going to suggest just about any of the waterfront towns/cities on the NC coast. There are a lot of canal communities. Trouble is, that area is a catchers mitt for hurricanes. I think you are going to have some difficulty finding what you want for $300k but itís not impossible.
You might consider the Jacksonville area on the St Johns river. Itís pretty well protected, no state income tax, low cost of living and has access to the ICW.
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Old 12-31-2018, 02:30 PM   #43
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Quote:
Originally Posted by djmarchand View Post
Oriental, NC met all of those criteria. Unfortunately my wife, after living there for 4 years, finally couldn't stand the small town isolation, so we moved.

Other similar towns (from N to S) to consider: Elizabeth City, Manteo, Edenton, Bath, Washington, New Bern, Beaufort, Wrightsville Beach.
I would like to recommend a specific marina in New Bern. I'm at Northwest Creek Marina across the river from the "city" of New Bern. It's a fantastic marina with an associated community - Fairfield Harbor. There is a gym and swimming pool within 100 feet of the harbormaster's office and the showers and restrooms are great.

We got hit pretty hard by Florence, but we are just about back up to speed.

If you have questions, please feel free to let me know.
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Old 12-31-2018, 02:46 PM   #44
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Also, no personal property taxes in Florida. Something to consider; a house “on the water” on the east coast is also vulnerable to hurricanes and storms. A small home can be purchased in a nice community close to a marina in the Jacksonville area for less than your budget, your taxes would be minimal, you’d be in an area that’s probably the best protected, lowest hurricane frequency on the east coast and you’d have access to the ICW to cruise north or south as desired. Our tides are minimal, maybe 1.5 ft or so.
The gulf coast of Florida is probably the prettiest water but hurricanes and storms are a constant bother. We’ve lived in Pensacola and Jacksonville.
St Augustine is pretty but exposed and very expensive.
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Old 12-31-2018, 04:30 PM   #45
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This is interesting, because here is what is on the Hampton government website:

Tax on Boats & Personal Watercraft
Boats are assessed at fair market value, generally derived by applying a percentage to the total original cost. The tax rate for privately owned pleasure boats and watercraft used for recreational purposes is $.000001 per $100 of assessed value. The tax rate for all other boats and watercraft is $1 per $100 of assessed value. Register your boat with the commissionerís office.


Are the Virginia property taxes just a city and/or county thing?

Jim
A few years ago Hampton, Va decided to get greedy and impose an annual boat "license" fee. You don't get anything for it other than the privilege of keeping your boat there. Once again, "Is the water any wetter, does it sail us any better than it did before when it was free?" Hell No!!

From the City web site:
https://hampton.gov/2859/Boat-License-Fees
"Boat License Fees
License fees for boats
A license fee as set forth in Hampton City Code section 37-416 is required on every privately owned motorized boat or watercraft used for recreational purposes only and privately owned non-motorized pleasure boats used for recreational purposes only, 20 feet in length and over, which is normally operated, docked, stored, or kept within city limits over 180 days.

The license fee is due on or before December 5th of the preceeding license year, or within 10 days of purchasing such boat, or within 30 days of moving situs (position or site) of the boat to the city, whichever is sooner. The license fees imposed on boats and watercraft with situs in the city, as described in Article XV of the Hampton City Code, for any portion of the year between January 1 and June 30, are listed below:

Boat type / License Fee
January 1 - June 30
Motorized boats and watercraft under sixteen feet in length: $20
Motorized boats16 feet to less than 20 feet in length: $40
Boats 20 feet to less than 40 feet in length: $75
Boats 40 feet in length and over: $150
Note: License fees are subject to change

No license fee shall be imposed on boats that do not have a situs in the city as described in Article XV of the Hampton City Code between January 1 and June 30 of the license year. You may also register your boat online."
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Old 12-31-2018, 04:48 PM   #46
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Where to base my boat

Va is a beautiful state with a lot to offer. In fact the entire DelMarVa area is great. The problem is, that area is the California of the east coast. High cost of living, they tax everything you have and all those taxes add up quickly. Factor in the winter weather and it all points to further south.
The city of Jacksonville, NC up New River might be an area to consider but they get hit by hurricanes as well and they also have state income tax.
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Old 12-31-2018, 05:00 PM   #47
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New,

I assume you mean ranch home as in the style of home, not a ranch with horses, etc...... which would be quite expensive.

In the bigger cities, suspect that budget would be a big hard to work with, but outside of cities it gets much more affordable. 5 ft draft could be a challenge, too, but still there's opportunity.

I sold a waterfront home in Madeira Beach a few years ago for $400k, with sailboat depth and 40ft on the water. Nice little place. There's others out there, too, but in the past 2 years they have gone up here in the St. Pete area about 4 to 6% depending.

Now up in Hudson, just north of us, the price drops dramatically. I had a flipper there I picked up for $100 and sold it for $180, nice deep waterfront and suspect that home would be perhaps $250 to $300 today. Small 2br, carport.

Another thought (I don't deal with these) are mobile homes. There are waterfront ones that are in the $300 range and fairly nice water, but small lots... 30 ft in some cases.

So, lots of choices, and there's TONs of them.

For "me" ideal would be a small town, great waterfront and nice places to boat. Doesn't exist in our area or anywhere south of us, with rare exception. There aren't any small towns, and the ones that are, just blend into the next town.

Food for thought.....
We've actually lived in Hudson for the past 30 years. While the Gulf access is amazing & the prices are very reasonable it is not deep water access. 4' is about the max for a useable draft & with that you're watching the tides.
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Old 12-31-2018, 06:01 PM   #48
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Check Zillow for listing. Harbor Oaks Marina subdivision. We have a house for sale that includes a 30 foot, may not be big enough, deep water slip. It is on the intracoastal. Small subdivision with about 30 lots. Each lot is assigned a boat slip. HOA fee covers dock electric, dock water, pool and clubhouse. We have a Camano we keep in our slip. 2600 sq ft. 4 BR, huge garage, 3 years old. House is not on the waterway but very close to it. Easy walk.
$331k
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Old 12-31-2018, 06:02 PM   #49
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I respectfully disagree that $300 a month is low. $50 a month is low. The $300 a month can support a mortgage of about $68,000 at 4% interest rate or it can pay the yearly rate for a slip in many marinas.
The problem is that a lot of people may not be interested in tennis, racket ball or a swimming pool the HOA offer. But one is stuck with paying to support the interest of others. This is particularly a problem when reselling the home. Also, it is a carrying charge while one is cruising with the boat.

In principle, I am an enemy of HOA fees and HOAs to begin with as I find them incompatible with the boat cruising lifestyle.
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Old 01-01-2019, 06:53 AM   #50
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Hammock Beach

We stopped at Hammock Beach Marina in Palm Coast on 3 Nov for ď a month or soĒ. Four days later bought a condo in Yacht Harbor Village. Ideal location on the ICW with a full resort hotel, beaches, golf, etc. Two bedroom condo was in mid 200ís, three bedrooms from low 300ís. Wonderful area.
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Old 01-01-2019, 02:30 PM   #51
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Wifey B: Location location location. That's what will influence the price. However, for a boating home, I'd toss in climate climate climate. One has to weigh both of those. I want bikini weather year round. You could give me the most beautiful idyllic town and a great deal on the cutest house ever, but you tell me it's going to be cold six months of the year, and no thanks.

That's what each person has to weigh. People pay a lot for homes at ski resorts. Ski resorts would only tempt me if they have nice spas and nice indoor pools looking out over the slopes.

Choosing where to live is such an individual thing. We lived in a moderate climate in NC, near Charlotte, before moving to FL. We were happy there, but could never go back.
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Old 01-01-2019, 05:06 PM   #52
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How far is the closest good inlet to Palm Coast? St Augustine?
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Old 01-02-2019, 03:07 PM   #53
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I just bought a condo in Edenton, NC. Condo came with boat slip on site, but there is also a marina very nearby. Small town (5,000) , yes everyone seems to know everyone and they are all friendly. Planning to move there in July and also look for an equivalent place in NH for summertime (and for zero state income tax), but I think we could handle Edenton full time if necessary. Time will tell. 20 miles from ICW for easy access to north / south cruising grounds. Oh, the condo + slip were about $275k.
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