Sarasota is more expensive than north of Tampa Bay. Pinellas County (St. Pete - Clearwater) is more reasonable and the further north you go, it's even cheaper. Pasco County and Hernando County you can find nice single family homes in the $150K-$200K range.
I sold real estate in Hernando County in 1989 and at that time I held open houses for new homes. We had brand new 3 BR, 2BA, 2 Car ranchers with birdcage pool for $115K. Hernando would put you about 10 miles north of the nearest beaches, which would be in Hudson. If I were to live down there now, I would look in the Safety Harbor to Dunedin areas. There you could easily go to Clearwater Beach, or downtown St. Pete or go to Tampa across Courtney Campbell Causeway.
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