Our house was built 2009, located in Duval, new roof this year, water heater last year. Our bond is paid and there are many extras. Insurance has not been a problem. There are many of my neighbors in the same situation. Some have also replaced air conditioning systems. What I am saying is homes built around this time period are in need of the things you are concerned about. But many have done the work already. I would not exclude any area. there are quite a few gems hidden in with the others.
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