Maine ↔ Florida, the full relocation playbook
Whether moving primary residency or just adding a second home, Maine to Florida (or back) involves a handful of decisions that compound for years. Both Travis and Deja are dual-licensed; this is the operational checklist.
Updated May 2026
Decide what's primary
Drives state income tax, property tax assessment caps (FL Save Our Homes / Maine homestead), estate planning, and which state's homestead protects against creditors.
Tax residency mechanics
FL: 183+ days, FL ID, voter registration, vehicle registration, Declaration of Domicile in your FL county. Maine: file final Maine resident return, surrender ME homestead, document the change.
Healthcare
Maine: MaineHealth, Mercy. Florida: depends on region. Medicare portable; supplemental and Advantage plans usually region-specific. Plan during open enrollment, not after the move.
Insurance & disaster planning
Florida hurricane wind, flood, and sometimes sinkhole. Maine flood (NFIP). Both states: umbrella, vacant-property rider when away.
Real estate
Buying both: structure financing through one MLO licensed in both states. Selling Maine to fund Florida: 1031 exchange (investment only), or use bridge financing if timing doesn't align.
Compiled from Town of Old Orchard Beach, RSU 23, FEMA, Maine Revenue Service, US Census, and MLS. Deemed reliable but not guaranteed; verify before any transaction.