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Why Floridians are Moving to Georgia – Part 2

The migration trend continues – Georgia is now welcoming more relocating Floridians than any other state. Learn why as we continue to explore more reasons people are moving from Florida to Georgia.

Florida insurance crisis

The hurricanes we mentioned in part one of this article are one of the main reasons Florida’s property insurance market is in crisis. Insurers are dealing with billions in losses from recent natural disasters, not to mention out-of-control litigation costs associated with fraud. As a result, several Florida insurers are canceling policies, liquidating, and leaving the state. Those that are left send customers bills with enormous premiums. Those soaring costs are making home ownership much more expensive and, for some, unaffordable. According to a recent Insurance Information Institute study, Florida’s home insurance is now the highest in the US, averaging $6,000 per year versus the national average of $1,700 per year.

Water lovers unite

Being near water may have pros and cons, but those who love the coast of Florida have discovered that Georgia’s shores and lakes are just as appealing. Savannah and Tybee Island are popular coastal destinations on the Atlantic. With so many lakes in the state, “lake life” is a favorite pastime, especially in Georgia’s Lake Country. At 19,000 acres, Lake Oconee is one of the largest lakes in the state. It’s where residents enjoy boating, fishing, water skiing, jet skiing, swimming, tubing, kayaking, and more

Diverse natural beauty

Georgia offers highly diverse landscapes, ranging from beautiful scenic coastlines to the picturesque Blue Ridge Mountains. Georgia’s tallest peak is Brasstown Bald, which rises an impressive 4,784 feet above sea level. From there to the Atlantic Ocean, it’s only a six-hour drive – something few states can match. Indeed, Florida has a lovely coastal landscape, but many appreciate Georgia’s wider variety and the activities to match.

Outdoor activities and sports

Because of its diverse landscapes, Georgia offers abundant outdoor recreational activities. For nature enthusiasts and adventure seekers, there are tons of hiking and mountain biking trails. Golf is prevalent in Georgia, as it’s home to The Masters golf tournament. In fact, Augusta National is located only an hour from our award-winning Weiskopf/Morrish-designed golf course on Lake Oconee, making it a popular destination during Masters Week. And while golf is a big deal, other organized sports have considerable fanbases in Georgia, too. The fast-growing sport of pickleball has taken a stronghold in Georgia, and tennis continues to be a highly popular outdoor sport. The South is also well known for national and collegiate sports, especially football, which attracts thousands of devout fans and spectators to each game. 

Southern charm

Known for its tradition of hospitality and kindness, Georgians are some of the most welcoming and charming people you’ll ever encounter. In this state, especially in the smaller towns and cities, don’t be surprised if a “stranger” smiles and says hello as you pass them on the street. Throughout Georgia’s Lake Country, especially our Harbor Club neighborhood, friendly folks chat with you like they’ve known you for ages. 

Visit, and you’ll quickly discover why Harbor Club has become a top destination for relocating Floridians. We’re excited that so many have made Harbor Club home in pursuing a better quality of life. We’d love to welcome you, too. Schedule your exclusive Discovery Experience or contact us so we can start planning your visit today.

Why Floridians are Moving to Georgia – Part 1

Recently, a trend has emerged in the Southeast, particularly among individuals seeking a change of scenery and lifestyle. Floridians are moving to Georgia, with almost 50,000 relocating to the “Peach State” in 2021 – more than any other state. Why the departure from a place renowned for its sunny weather and beautiful beaches? We discovered 10 compelling reasons. In this blog post, we share the first five factors motivating the migration. Stay tuned for part two, highlighting five more noteworthy motives for moving. 

Cost of living

One of the biggest reasons people are relocating from Florida to Georgia is the cost of living. Georgia offers a more affordable lifestyle than many areas in Florida, especially when it comes to housing, utilities, and overall expenses. Sperling’s Best Places is the standard for measuring the cost of living, with 100 as the national average. Any scores above 100 show that an area is more expensive, while anything below means the cost of living is less. Georgia has an overall score of 94.5, about 10% less than Florida’s 103.1. This financial advantage is enticing for those seeking to save on everyday expenditures and achieve greater financial stability.

Housing affordability

The real estate market in Florida, especially in the more popular cities, experienced significant spikes in property prices. The sharp increases make housing less affordable for many residents. According to the Motley Fool, the average home value for Florida was $407,219, and for Georgia it was $320,091. Georgia offers a more reasonable housing market, making it an attractive option for those who want a bigger bang for their buck. 

Job opportunities and economy

Georgia has seen substantial growth in its job market and economy in recent years. Cities like Atlanta are now major hubs for various industries. More than 20 Fortune 500 companies reside in the state, including Delta Air Lines, Home Depot, Coca-Cola, UPS, NCR, and Aflac. Georgia’s tax incentives have also captured the film industry. It’s now known as the “Hollywood of the South.” Overall, the number of jobs in Georgia has increased more than 17% since the pandemic and boasts 248,000 more jobs than before COVID hit. With such a favorable business environment and diverse job opportunities, Georgia is an appealing choice for professionals seeking career advancement and stability.

Abundant School Choices

For families with children, education plays a significant role in relocating. Georgia boasts a robust educational system, with many public and private schools, as well as renowned universities and colleges. Many families have moved to this area to provide their children with an education at one of the primary and secondary schools in Georgia’s Lake Country. When it comes to higher education, nearby Athens is where you’ll find our state’s flagship public university, the University of Georgia (UGA). Of course, nearby Atlanta is also home to renowned institutions like the Georgia Institute of Technology, Georgia State University, and Emory University.

Seasonal weather

While Florida is known for its warm and tropical climate, some prefer a more varied seasonal experience. Georgia offers a diverse climate with four distinct seasons, allowing residents to enjoy both mild winters and warm summers without the extreme heat often experienced in Florida. Both states experience hurricanes, but Florida is more vulnerable to hurricanes than Georgia. Since it’s surrounded by water, Florida is also more prone to tropical events and flooding, even if the storm doesn’t make landfall. 

Stay tuned for part two of this blog post as we explore more reasons why people are moving from Florida to Georgia. Or go ahead and schedule a visit to Harbor Club. Here, you’ll quickly discover why our award-winning golf and lake community has become a top destination for relocating Floridians. We’re excited that so many of them have made Harbor Club home in pursuing a better quality of life. We’d love to welcome you, too. Schedule your exclusive Discovery Experience or contact us so we can start planning your visit today.

Why Waiting to Buy a New Home on Lake Oconee Could Cost You

While it may not seem like it, now is the perfect time to buy real estate, especially if you’re interested in new homes on Lake Oconee. Waiting to make a purchase could have unintended consequences. Factors like the potential for rising interest rates, changing market dynamics, and increased competition may impact your ability to buy your dream property. Here’s why delaying your real estate purchase could be costly.

Interest rate fluctuations

One crucial factor to consider with a real estate purchase is the current state of interest rates. Lately, interest rates have been on an upward trajectory. However, they remain historically low, especially considering the interest rates back in the 1980s, when the average 30-year fixed rate was as high as 16.6%. Who knows what the future holds? Waiting too long to enter the market could mean missing out on the currently available favorable rates and other creative mortgage options, which are compelling reasons to act sooner rather than later. Remember, you can always refinance later if interest rates fall.

Increased buyer competition

Alternatively, if interest rates do drop in the future, it could lead to a surge in buyers who want to take advantage of the lower rates. That increase in demand usually results in rising home prices — something that could negatively impact your budget. By acting now, you will likely avoid a bidding war and lock in a rate that suits your financial goals while avoiding future price hikes.

Selling your current home = seamless transition

The current market presents a unique opportunity for homeowners considering moving to a new home on Lake Oconee. Selling your existing home now while prices are favorable can provide you with the equity needed to make a solid investment in a new place. The equity from your home sale can be used as a sizable down payment, which helps you secure a favorable mortgage and lowers your overall financial burden. 

The time is now

The timing couldn’t be better for those looking to make a transition. Whether you are interested in downsizing, upsizing, moving to a retirement area, or wish to enjoy a year-round “staycation” (like you would at Harbor Club on Lake Oconee,) now is the perfect time to make it happen. Selling your existing home now and moving into a new, better one equips you to easily ride the wave of market momentum while making a smooth and seamless transition.

In the world of real estate, timing is everything. The decision to wait to buy a new home on Lake Oconee could significantly impact your financial future. The potential for rising interest rates, the subsequent effect on home prices, and the opportunity to leverage your current home’s equity all help make the case for acting now. By making a proactive move sooner rather than later, you can secure a favorable mortgage rate, avoid higher prices, and ensure a seamless transition to the home of your dreams. Don’t wait—explore your options in the Lake Oconee real estate market with a Harbor Club Discovery Experience today.

Top 10 Reasons to Choose Harbor Club for Your Lake House on Lake Oconee

Are you dreaming of waking up to breathtaking lake views and a lifestyle filled with tranquility and luxury? Look no further than Harbor Club on Lake Oconee. Our picturesque lakeside community offers an unparalleled living experience, making it the perfect destination for your dreamy lake house on Lake Oconee. Here are the top ten reasons why you should choose Harbor Club for your lake lifestyle:

Stunning lakefront properties

Harbor Club offers an impressive collection of homes and homesites, with several offering stunning vistas of Lake Oconee. Imagine stepping out onto your deck to witness vibrant sunsets and enjoying easy access to the water, where boating, fishing, and fun water sports await.

Championship golf course

Harbor Club is a golf enthusiast’s paradise. Tom Weiskopf and Jay Morrish designed our renowned 18-hole championship golf course, providing several fun risk/reward holes. Here you’ll enjoy challenging your skills amidst the natural beauty of Lake Oconee, where our course touches the lake’s shoreline on six different holes. 

Excellent amenities

Living at Harbor Club feels like being on vacation year-round. Enjoy access to a wide range of top-notch amenities, including our Boathouse Marina, a Junior-Olympic-sized swimming pool, pickleball courts, a well-equipped fitness center, walking trails, a dog park, and more. There’s something here for everyone, whether you prefer an active lifestyle or just want to relax by the water.

Family-friendly community

Harbor Club is more than just a neighborhood; it’s a warm, welcoming community that feels like family. The tight-knit atmosphere encourages friendly interactions and fosters a sense of belonging, making it an ideal place to raise a family or enjoy retirement surrounded by like-minded individuals. Family and friends love going for boat rides together and enjoying meals by the water

Luxurious living

Harbor Club exudes luxury in every aspect. From meticulously designed homes to top-notch services and facilities, you’ll experience a level of comfort and elegance that elevates your everyday living in our well-kept, beautifully landscaped gated community.

Abundant recreation

Embrace an active lifestyle with various recreational activities at your doorstep. Whether you enjoy boating, trivia nights, fitness classes, tennis, book clubs, card games, hiking, or teeing off in our golf tournaments, there’s no shortage of ways to stay engaged and entertained at Harbor Club.

Delicious dining experiences

Savor delectable meals with breathtaking views from The Clubhouse and, seasonally, from The Boathouse. From casual bites to gourmet dinners, the culinary experiences at Harbor Club are sure to delight your taste buds.

Proximity to city life

While Harbor Club offers a serene escape from the hustle and bustle of city life, it’s conveniently located near the vibrant locales of Atlanta, Athens, and Augusta. When you live at Harbor Club, you’ll enjoy the best of both worlds—relaxed lakeside living and easy access to urban amenities like all the major league and college games, incredible shows, the best concert performers, and more. 

A strong sense of community

The residents of Harbor Club are known for their friendliness and involvement in community events. Neighbors and members happily engage in social gatherings, clubs, and activities, fostering warm connections that last a lifetime.

Unforgettable sunsets

Last but not least, the sunsets at Harbor Club are breathtaking. As the sun dips below the horizon, casting a warm glow over the lake, you’ll never forget the beauty and serenity that await you every day.

As you can see, Harbor Club on Lake Oconee is more than just a place to call home; it’s a lifestyle choice that offers incredible beauty, recreation, and a close-knit community. If you’re seeking a lakefront paradise with a touch of luxury and a range of activities for all ages, Harbor Club is the perfect destination for your dream lakefront home. Come and experience the magic of Harbor Club on Lake Oconee for yourself. Contact us to arrange an exclusive tour of Georgia’s best lakefront real estate today.