My wife and I decided on your third option... Our home was built in 2017.
The previous owner added many upgrades, such as a water softener, Stained driveway/lanai, epoxy garage, customized closets. It also came with LPV flooring and granite countertops throughout.
We're just north of of 44... Our bond is lower (some of it already paid) with a very reasonable monthly payment...
Granted, we have an inside (and somewhat smaller lot), but we bought just before the Covid Boom hit in 2021. Our home (and nearby comps) jumped in value in 6 months.... But that only matters if we sell...
That worked FOR US. No one else can decide what is best FOR YOU...
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Most things I worry about
Never happen anyway...
-Tom Petty
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