First, I assume you concrete wall? Like with villas behind? Or do you really mean granite?
The fact that you can not put concrete in their must mean that it is within the set back space. But you can plant landscaping right up to the wall if you wish. I know a few friends who have this set up and they are very happy since the villas behind them are empty for most months except the 'on' season. I think the 13K premium is worth it unless you love looking into your neighbors lanai.
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