1. Primary sources only
Every figure cited comes from a verifiable official source: IRS.gov, Cornell Law (Code of Federal Regulations), Canada.ca, Florida Statutes, Florida DHSMV, CBP, EPA. Direct links sit at the bottom of each guide.
Buying, selling, renting, living, or inheriting in Florida from Canada — eleven topics, each with its own tax, legal, and practical rules. This manual covers them one by one, with verifiable public sources (IRS, Cornell LII, Government of Canada, Florida Statutes) and comparisons tailored to each Canadian province (QC, ON, BC, AB, NS, and others).
The manual · 11 chapters
The manual is organized into eleven chapters: every published article lives in one and only one chapter. Click a card to open the chapter's table of contents, see what's already published, and what's coming next.
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Chapter 01
Reading an MLS sheet, picking a Florida-licensed Realtor®, the FAR/BAR contract, foreign-national mortgage, 4-point inspection, title insurance, closing costs, holding structure (LLC vs personal name).
Chapter 02
FL property tax, Homestead exemption, Save Our Homes, HOA fees, special assessments, SB-4D milestone inspection, homeowner and hurricane insurance, Citizens, NFIP flood, remote management.
Chapter 03
Short-term rules by city, DBPR Vacation Rental license, FL residential lease, Tourist Development Tax, sales tax, ITIN to rent out, cross-border filing IRS and CRA, security deposit FL rules.
Chapter 04
FIRPTA and the 15 % withholding, Form 8288-B, the $300,000 exception, US and Canadian capital gains, principal residence exemption, FL 10-step sale process, repatriating funds USD → CAD.
Chapter 05
FL probate, ancillary probate, Lady Bird Deed, joint tenancy, revocable living trust, cross-border trust, US estate tax (the $60,000 non-resident threshold), proportional treaty exemption Canada-US.
Chapter 06
B-1 / B-2 for Canadians, I-94, Substantial Presence Test, Closer Connection (Form 8840), dual-status, treaty tie-breaker, E-2 and EB-5 visas, days-of-presence calculator over a 3-year window.
Chapter 07
RAMQ, OHIP, MSP: limited coverage outside Canada, snowbird travel insurance ≥ 90 days, pre-existing conditions, Manulife / Blue Cross / Allianz / Tugo / RBC comparison, ER vs Urgent Care.
Chapter 08
US account without residency (RBC Bank US, BMO Harris, TD US), ITIN Form W-7, Certifying Acceptance Agent, no-FX-fee cards, FATCA, T1135, FBAR, building US credit from zero.
Chapter 09
The real cost of converting at a bank, FX brokers (Knightsbridge, OFX, Wise), Norbert's gambit at Questrade and Wealthsimple, forward contract to lock a real estate purchase rate, monthly DCA.
Chapter 10
Gulf Coast city files (Naples, Marco, Fort Myers, Cape Coral, Sarasota), Southeast Coast (Miami, Hollywood, Fort Lauderdale, Boca, Delray), Treasure Coast, Tampa Bay, and Panhandle. Side-by-side comparator.
Chapter 11
Vehicle transport, FL Class E driver license, pets, permanent move CBP / CBSA, snowbird mobile plans, mail forwarding, SunPass, hurricane kit, 6 % sales tax, voting from abroad as a Canadian.
How the manual is written
Three non-negotiable principles frame editorial production. They exist because the audience makes 6- or 7-figure decisions on the basis of what they read here.
Every figure cited comes from a verifiable official source: IRS.gov, Cornell Law (Code of Federal Regulations), Canada.ca, Florida Statutes, Florida DHSMV, CBP, EPA. Direct links sit at the bottom of each guide.
Every claim is labeled: Verified fact (sourced, dated), Typical range (practical estimate, never published as truth), Opinion (assumed editorial judgment, not professional advice).
The manual is a reference document. It is no substitute for a cross-border tax attorney, a Canada–US CPA, a closing agent, or a Florida-licensed broker. Every guide redirects to licensed professionals.
Educational purpose only. The content of CanadaFlorida.com is drawn from public sources and provides general information. It is not legal advice, tax advice, accounting advice, real estate advice, financial advice, or any individualized professional advice.
No professional relationship is created by reading this site. For any concrete decision, consult a cross-border tax attorney, a CPA / chartered accountant licensed for Canada–US matters, a closing agent, and a real estate broker licensed in the State of Florida.
Time validity. Figures, rates, thresholds, and timelines may change. The last review date is shown at the top of each guide.