Cheap Homes in Florida by the Beach

Geographic Location & Pricing: Cheap Homes In Florida By The Beach

Finding affordable beachfront property in Florida can feel like searching for a needle in a haystack, but several charming towns offer a more attainable path to coastal living. This section will explore five locations known for their relatively lower home prices compared to more established beach destinations, providing insights into average costs, property types, and unique community features. Understanding these factors is crucial for prospective buyers seeking a balance between affordability and the Florida beach lifestyle.

Affordable Florida Beach Towns

The following table summarizes five Florida beach towns with relatively affordable housing options. It’s important to remember that real estate prices are dynamic and fluctuate based on market conditions. This data represents a snapshot in time and should be used as a general guideline.

City	Average Home Price (Estimate)	Proximity to Beach	Notable Features
Crystal River	$300,000 – $450,000	Varied, some homes within walking distance, others a short drive.	Known for its natural springs and manatee viewing opportunities. Offers a quieter, more relaxed atmosphere than some larger coastal cities.
Port St. Joe	$250,000 – $400,000	Many homes are within a short drive of the beach.	A historic town with a laid-back atmosphere, known for its beautiful beaches and access to the Gulf of Mexico.
Cedar Key	$200,000 – $350,000	Direct waterfront properties are available, but many homes are a short walk or bike ride to the beach.	A charming island town with a unique, artistic community. Offers a slower pace of life and stunning sunsets.
Panama City Beach (Specific areas outside the main tourist corridor)	$300,000 – $450,000	Proximity varies greatly depending on the specific neighborhood; some areas are closer to the beach than others.	While parts of Panama City Beach are known for high-rise condos and tourist activity, more affordable options can be found in quieter, less developed areas.
Indian Rocks Beach	$400,000 – $600,000	Many homes are within walking distance of the beach.	A quieter beach town on the Gulf Coast, offering a more residential feel than some of its more bustling neighbors.

Comparison of Average Home Prices

Average home prices in these five locations vary significantly, influenced by factors such as proximity to the beach, property size, condition, and the overall desirability of the community. For instance, Indian Rocks Beach, while still relatively affordable compared to other beachfront areas, commands higher prices due to its convenient beach access and established residential character. Conversely, Cedar Key, with its island setting and quieter atmosphere, offers lower prices but may involve trade-offs in terms of accessibility and amenities. The prices in Panama City Beach reflect the range of options available – prices are significantly lower outside the main tourist hub.

Property Types and Sizes

The types and sizes of properties available in these towns also differ. Cedar Key and Port St. Joe may feature more smaller homes and cottages, reflecting their historic character and laid-back lifestyle. Panama City Beach (outside the main tourist area) and Indian Rocks Beach offer a mix of single-family homes and condos, catering to a wider range of buyers. Crystal River, with its blend of natural beauty and residential areas, might have a more varied selection, including larger homes on larger lots. The size of properties is highly variable within each location, with prices generally increasing with size and proximity to the beach.

Property Types & Features

Finding affordable beach homes in Florida requires understanding the typical features and property types available. Budget-conscious buyers often need to compromise on size and luxury, but many charming and functional properties are available. The key is to carefully weigh the pros and cons of different options to find the best fit for your needs and budget.

Cheap homes in florida by the beach – Many affordable beach homes in Florida share certain common features. These features often reflect the need to maximize space and minimize maintenance costs in a sometimes harsh coastal environment.

Typical Features of Cheap Beach Homes in Florida

The following list details common features found in more affordable beach properties in Florida. These are generalizations, and individual properties will vary significantly.

• Smaller lot sizes: Expect smaller yards compared to homes further inland.
• More modest square footage: Homes will likely be smaller than luxury beachfront properties.
• Simpler architectural designs: Less elaborate detailing and possibly older construction.
• Basic finishes and appliances: Expect less high-end materials and appliances.
• Potential for needed repairs or updates: Older homes may require some renovations.
• Proximity to the beach may involve a short walk or bike ride rather than direct beachfront access.
• Shared amenities (in condos): Access to pools, laundry facilities, or other amenities may be part of the package.

Condos versus Single-Family Homes

The decision between a condo and a single-family home significantly impacts your lifestyle and budget. Both offer advantages and disadvantages in the Florida beach context.

Feature	Condo	Single-Family Home
Price	Generally lower initial purchase price	Generally higher initial purchase price
Maintenance	Lower individual maintenance responsibilities; HOA handles exterior and common areas.	Higher individual maintenance responsibilities; you are responsible for all repairs and upkeep.
Space	Typically less living space	Typically more living space and often a yard
Privacy	Less privacy due to shared walls and common areas	More privacy and independence
Amenities	Often includes access to amenities like pools, gyms, and common areas.	Amenities are typically not included unless added during purchase.
HOA Fees	Monthly HOA fees are required.	No HOA fees

Hypothetical Floor Plan for a Budget-Friendly Beach Home

This floor plan illustrates a potential layout for a small, functional beach home. This is a hypothetical example and specific dimensions would depend on the lot size and local building codes.

Imagine a 700 square foot single-story home. The living area (250 sq ft) is open-plan, connecting the kitchen (100 sq ft), dining area (50 sq ft), and living room (100 sq ft). A hallway leads to two bedrooms (each 100 sq ft) and a bathroom (50 sq ft). A small laundry area (50 sq ft) is tucked away near the kitchen. A covered porch (100 sq ft) extends from the living room, providing outdoor space. The overall design emphasizes functionality and maximizes natural light.

Market Trends & Investment Potential

The Florida beach real estate market, particularly in the affordable segment, presents a dynamic landscape of opportunities and challenges. While the allure of owning a piece of paradise remains strong, understanding current trends and potential risks is crucial for prospective investors. This section examines the market’s trajectory, highlighting both the rewards and the inherent risks associated with investing in cheaper beach properties in Florida.

The current market demonstrates a fascinating dichotomy. While luxury properties continue to see robust growth, the affordable segment shows a more nuanced picture. Increased demand driven by remote work opportunities and population migration continues to push prices upward, albeit at a slower pace than in the luxury market. However, factors such as rising interest rates and inflation are impacting affordability, creating a more cautious buyer’s market in some areas. This presents both opportunities and challenges for investors seeking to capitalize on the potential of affordable beach homes.

Current Market Trends for Affordable Beach Homes

Several key trends shape the market for affordable beach homes in Florida. Increased competition from investors and buyers seeking second homes or rental properties contributes to rising prices, particularly in desirable locations. However, the availability of properties in less-developed or slightly more inland areas offers more budget-friendly options. Furthermore, the rise of short-term rental platforms like Airbnb and VRBO influences property values and investment strategies, creating a potentially lucrative rental income stream for savvy investors. Finally, the ongoing impact of climate change and its potential effects on coastal properties is a factor that must be carefully considered by all prospective buyers and investors. Detailed risk assessments are essential, especially in areas prone to flooding or erosion.

Risks and Rewards of Investing in Cheap Beach Properties, Cheap homes in florida by the beach

Investing in affordable beach properties carries inherent risks and significant potential rewards. The most significant risk is the vulnerability to natural disasters such as hurricanes and rising sea levels. Property damage and insurance costs can significantly outweigh potential profits. Furthermore, the cyclical nature of the tourism industry can impact rental income, creating periods of lower occupancy and reduced revenue. However, the potential rewards are equally substantial. Strategic investment in areas with high rental demand can generate significant passive income. Moreover, long-term appreciation in property value, particularly in well-located areas, can yield substantial returns. Careful due diligence, including thorough property inspections and insurance assessments, is crucial to mitigate these risks.

Examples of Successful Investments in Affordable Florida Beach Towns

Successful investments in affordable Florida beach towns often involve a combination of careful planning and market awareness. For instance, investors who purchased properties in smaller, less-developed beach towns several years ago have seen significant appreciation as these areas have gained popularity. This demonstrates the potential for long-term growth in areas with developing infrastructure and increasing tourism. Another example is investors who have successfully leveraged short-term rental platforms to generate substantial income from relatively modest properties. Careful property management and effective marketing strategies are essential for success in this area. Finally, investors who have focused on properties requiring minor renovations have often found opportunities to add value and increase their return on investment. This requires a combination of construction knowledge, a good contractor network, and a keen eye for undervalued properties.

Lifestyle & Amenities

Living in a cheap beach home in Florida offers a unique lifestyle characterized by a relaxed atmosphere, close proximity to outdoor recreational activities, and a strong sense of community. However, it’s important to understand that this lifestyle comes with its own set of trade-offs compared to living further inland.

The ease of access to the beach is, of course, a major draw. Daily walks on the sand, swimming in the ocean, and enjoying sunsets are readily available. Many affordable beach communities offer public parks, piers, and boardwalks, providing ample opportunities for leisure and socializing. The overall pace of life tends to be slower and more casual than in larger cities or inland areas. This relaxed environment can be incredibly appealing to those seeking a less stressful way of life.

Beach Town vs. Inland Community Lifestyle

Beach towns typically boast a vibrant, tourist-driven economy, with numerous restaurants, shops, and seasonal events. This can lead to higher property taxes and potentially higher costs for everyday goods and services, offsetting some of the savings on housing. In contrast, inland communities often offer a quieter, more residential atmosphere, with a lower cost of living and a greater emphasis on suburban amenities such as larger homes, better schools, and more extensive shopping malls. The trade-off is the increased travel time required to reach the beach and other coastal attractions. For example, a beach town like Daytona Beach might offer constant entertainment but also higher living expenses, while a community like Ocala, located inland, might provide a more tranquil setting but require a longer drive to access the coast.

Potential Drawbacks of Cheap Beach Homes in Florida

Living in a cheaper beach home often means accepting certain compromises. It is important to weigh these potential drawbacks against the advantages before making a purchase decision.

• Older Properties and Maintenance: Affordable beach homes are often older properties requiring more frequent and potentially costly maintenance. Hurricane damage and saltwater corrosion can be significant issues, necessitating regular upkeep.
• Limited Amenities and Space: Cheaper homes may be smaller and lack modern amenities found in newer, more expensive properties. This could include outdated appliances, smaller living spaces, and a lack of updated features.
• High Property Taxes and Insurance: While the initial purchase price might be low, property taxes and insurance premiums in coastal areas can be surprisingly high due to the risk of hurricanes and flooding.
• Seasonal Crowds and Tourism: Living in a beach town means dealing with seasonal influxes of tourists, leading to increased traffic congestion, higher prices during peak seasons, and potential noise and disruption.
• Hurricane Risk: Florida’s coastal regions are vulnerable to hurricanes, posing a significant risk to property and personal safety. This risk necessitates purchasing comprehensive insurance and preparing for potential evacuations.

Financing & Buying Process

Purchasing an affordable beach home in Florida requires careful consideration of financing options and a thorough understanding of the buying process. Securing the right financing and navigating the complexities of the real estate market can significantly impact your ability to find and purchase your dream property. This section will Artikel various financing options and detail the steps involved in buying an affordable beach home in Florida.

Financing Options for Affordable Beach Homes

Several financing options cater to buyers seeking affordable beach properties in Florida. These options vary in terms of down payment requirements, interest rates, and eligibility criteria. Understanding these differences is crucial for making an informed decision.

• Conventional Loans: These loans are offered by private lenders and typically require a down payment of at least 3%, though lower down payment options may be available. Credit score requirements vary, but generally, a higher credit score results in better interest rates.
• FHA Loans: Backed by the Federal Housing Administration, FHA loans often have more lenient credit score and down payment requirements than conventional loans. They can be particularly beneficial for first-time homebuyers or those with lower credit scores. However, FHA loans usually involve mortgage insurance premiums.
• VA Loans: Offered to eligible veterans and active-duty military personnel, VA loans often require no down payment and offer competitive interest rates. Eligibility depends on military service history and other factors.
• USDA Loans: These loans are designed for rural properties, and some coastal areas in Florida may qualify. They often require no down payment and have competitive interest rates. Eligibility depends on location and income limitations.

Steps in the Florida Home-Buying Process

The process of buying a home in Florida, particularly an affordable beach property, involves several key steps. Careful planning and attention to detail at each stage are essential for a smooth transaction.

1. Pre-qualification/Pre-approval: Before beginning your home search, it’s crucial to get pre-qualified or pre-approved for a mortgage. This gives you a clear understanding of your budget and strengthens your negotiating position with sellers.
2. Finding a Real Estate Agent: A knowledgeable real estate agent familiar with the affordable beach home market in your chosen area can provide invaluable assistance throughout the process.
3. Home Search and Selection: Once you’ve established your budget and identified your preferences, begin your search. Your agent will help you find suitable properties and schedule viewings.
4. Making an Offer: When you find a property you like, your agent will help you prepare and submit a competitive offer. This often involves negotiating the price, closing costs, and other terms.
5. Home Inspection: A thorough home inspection is crucial to identify any potential problems with the property before closing. This allows you to negotiate repairs or adjustments to the purchase price.
6. Appraisal: The lender will typically order an appraisal to determine the property’s fair market value. This ensures the loan amount doesn’t exceed the property’s worth.
7. Loan Closing: Once all conditions are met, the loan closes, and you officially become the homeowner. This involves signing numerous documents and transferring funds.

Negotiating the Best Price

Negotiating the best possible price on an affordable beach home in Florida requires a strategic approach. Understanding market conditions, property value, and effective negotiation tactics can significantly impact the final purchase price.

“A well-prepared offer, backed by pre-approval and a strong understanding of the market, gives you a significant advantage in negotiations.”

• Research Comparable Properties: Analyze recent sales of similar properties in the area to determine a fair market value. This provides a solid basis for your offer.
• Highlight Property Deficiencies: If the home inspection reveals any issues, use this information to negotiate a lower price or request repairs from the seller.
• Be Prepared to Walk Away: Having a clear understanding of your budget and alternatives allows you to walk away from a deal that isn’t favorable. This can strengthen your negotiating position.
• Work with a Skilled Negotiator: A seasoned real estate agent can effectively navigate the negotiation process, ensuring you achieve the best possible outcome.

Community & Neighborhoods

Finding the right beach community in Florida is crucial when searching for affordable housing. The atmosphere, social dynamics, and safety levels significantly impact the overall quality of life. This section explores three distinct communities known for their relatively inexpensive housing options, highlighting their unique characteristics.

Florida Beach Communities with Affordable Housing

Choosing a beach community depends heavily on individual preferences and priorities. The following table provides a comparison of three distinct areas, offering a glimpse into their average home prices and unique community highlights. Note that average home prices fluctuate and are subject to market conditions. These figures represent a general overview and should be verified with current real estate data.

Community Name	Average Home Price (Approximate)	Community Highlights
Titusville	$250,000 – $400,000 (as of late 2023, this is an approximation and can vary widely)	Close proximity to the beaches of the Space Coast, access to the Indian River Lagoon, a more laid-back atmosphere compared to some larger coastal cities, and a strong sense of community. It offers a blend of residential areas and opportunities for outdoor recreation.
Fernandina Beach	$300,000 – $500,000 (as of late 2023, this is an approximation and can vary widely)	Historic charm, beautiful beaches, and a vibrant downtown area with unique shops and restaurants. It provides a more historic and artistic vibe than some other coastal communities, with a focus on preserving its unique character. Access to Amelia Island State Park offers numerous outdoor activities.
Port St. Joe	$200,000 – $350,000 (as of late 2023, this is an approximation and can vary widely)	More secluded and less developed than other coastal areas, offering a quieter, more natural beach experience. It is known for its laid-back atmosphere and focus on preserving its natural beauty. Access to pristine beaches and abundant wildlife.

Social and Cultural Aspects of Living in These Communities

Each community offers a unique social and cultural experience. Titusville, with its proximity to NASA’s Kennedy Space Center, possesses a strong sense of community rooted in aerospace history and innovation. Fernandina Beach, steeped in history, boasts a more artistic and sophisticated atmosphere, reflected in its historic architecture and vibrant arts scene. Port St. Joe, by contrast, embraces a simpler, more nature-focused lifestyle, appealing to those seeking a tranquil and less crowded coastal environment. The social fabric of each community is distinct, attracting residents with aligning values and interests.

Safety and Security Levels in These Communities

While crime rates fluctuate and specific data should be sought from local law enforcement agencies, these communities generally maintain acceptable safety levels. Titusville, being a larger city, might experience a slightly higher crime rate than the smaller, more secluded communities of Fernandina Beach and Port St. Joe. However, all three locations benefit from local law enforcement presence and community initiatives aimed at maintaining public safety. It’s crucial to conduct thorough research on specific neighborhoods within each community before making a decision.

Hidden Costs & Maintenance

Owning a beach home in Florida, even an affordable one, involves more than just the purchase price. Significant hidden costs and ongoing maintenance expenses are crucial considerations for prospective buyers. Understanding these factors will help you budget effectively and avoid unexpected financial burdens. This section details the various expenses involved and provides a framework for estimating annual maintenance costs.

Insurance Costs

Homeowners insurance premiums in coastal areas of Florida are considerably higher than inland locations due to the increased risk of hurricane damage and flooding. Factors influencing premiums include the home’s proximity to the ocean, its construction materials, and its age. For example, a modest beachfront condo might see annual premiums exceeding $2,000, while a single-family home could easily surpass $3,000 or more, depending on the specific location and coverage. Flood insurance is often mandatory in coastal zones and is purchased separately from homeowners insurance, adding another substantial expense, potentially ranging from $1,000 to $5,000 annually or more, depending on the property’s flood risk assessment.

Property Taxes

Florida levies property taxes on all real estate, and these taxes can be significant, particularly in popular coastal areas. Tax rates vary by county and municipality. To illustrate, a $150,000 beach home might incur annual property taxes of $2,000 to $3,000, depending on the location and any applicable exemptions. It’s essential to check with the local tax assessor’s office to obtain accurate estimates for a specific property.

Maintenance Requirements for Different Property Types

The maintenance needs of beach homes vary greatly depending on the property type. Condominiums often involve lower individual maintenance responsibilities, as many exterior repairs and landscaping are handled by the homeowners association (HOA). However, HOA fees can be substantial, ranging from several hundred to several thousand dollars annually, covering services such as building maintenance, landscaping, pool upkeep, and security. Single-family homes, conversely, require owners to handle all exterior maintenance, including roof repairs, painting, landscaping, and potential structural repairs due to weather exposure. This often necessitates higher upfront and recurring costs.

Annual Maintenance Cost Breakdown for a Hypothetical Affordable Beach Home

Let’s consider a hypothetical affordable single-family beach home in Florida priced around $200,000. A realistic annual maintenance budget might include:

Expense	Estimated Annual Cost
Homeowners Insurance	$2,500
Flood Insurance	$1,500
Property Taxes	$2,500
Exterior Painting (every 5 years)	$500
Roof Maintenance/Repairs (as needed)	$500
Landscaping	$1,000
General Repairs & Maintenance	$1,000
Total Estimated Annual Cost	$9,500

Note: These figures are estimates and can vary significantly based on the specific property, location, and unforeseen circumstances. It’s crucial to build a contingency fund to cover unexpected repairs.

Transportation & Commute

Finding affordable beachside living in Florida often involves considering the trade-offs between idyllic coastal life and convenient transportation. While many smaller beach towns prioritize a relaxed pace, understanding the transportation options and commute times is crucial for prospective homeowners. This section examines the transportation landscape in various affordable Florida beach communities, focusing on accessibility and typical commute durations.

Transportation options in affordable Florida beach towns vary considerably depending on location and population density. While car ownership remains prevalent, several alternatives exist, each with its own set of advantages and disadvantages.

Transportation Options in Affordable Florida Beach Towns

The availability of different transportation modes significantly impacts the daily lives of residents. Understanding these options is essential for making informed decisions about location and lifestyle.

• Private Vehicle: The most common mode of transportation in most Florida beach towns, especially those further from major metropolitan areas. Car ownership provides flexibility and convenience but incurs costs associated with fuel, insurance, and maintenance.
• Public Bus Systems: Several affordable beach communities offer limited public bus services, often connecting smaller towns to larger cities or regional hubs. These services can be infrequent and may not cover all areas within the community, limiting their effectiveness for daily commutes.
• Ride-Sharing Services (Uber/Lyft): Ride-sharing services are increasingly prevalent, offering a convenient alternative to personal vehicles, especially for shorter trips or in areas with limited public transportation. However, costs can add up, particularly for frequent use.
• Bicycles: Many coastal communities feature dedicated bike paths and lanes, making cycling a viable option for short commutes or recreational purposes. However, this option is weather-dependent and may not be suitable for longer distances or carrying heavy items.
• Walking: In smaller, more compact communities, walking is a feasible option for accessing local amenities and services. However, this option is limited by distance and may not be practical for commuting to work or larger towns.

Typical Commute Times to Nearby Cities and Employment Centers

Commute times vary dramatically depending on the specific location and the destination. Proximity to major employment centers and highways significantly influences the overall commuting experience.

For example, a community located near a major interstate highway might offer relatively quick commutes to nearby cities, even if public transportation is limited. Conversely, a more isolated beach town might require longer commute times, even with a personal vehicle, due to distance and traffic congestion during peak hours. Specific commute times are best researched using online mapping tools and considering potential traffic delays.

Accessibility of Public Transportation in Different Affordable Beach Communities

The accessibility of public transportation is a critical factor to consider when choosing an affordable Florida beach town. This accessibility varies greatly across different communities.

Generally, larger towns and those closer to major cities tend to have better public transportation options than smaller, more isolated communities. Some communities may have dedicated bus routes connecting them to nearby employment centers or regional transportation hubs, while others may rely entirely on private vehicles. Researching the specific public transportation options available in each community is crucial for individuals who prefer or require this mode of transportation.

Insurance & Risk Mitigation

Protecting your investment in a Florida beach home requires a comprehensive understanding of the unique risks and the insurance options available. The coastal environment presents challenges not found in inland properties, necessitating a proactive approach to risk mitigation and insurance planning. Failing to adequately insure your property could lead to significant financial losses in the event of a covered peril.

Owning a beach property in Florida necessitates several types of insurance coverage to protect against various potential hazards. These policies often overlap in coverage, so it’s crucial to understand the specifics of each to avoid gaps or unnecessary duplication.

Types of Insurance for Beach Homes

The primary insurance needs for a Florida beach home include homeowners insurance, flood insurance, and potentially windstorm insurance (depending on your specific location and policy). Homeowners insurance typically covers damage from events like fire, theft, and some wind damage, but it often excludes flood and hurricane-specific damage. Flood insurance, provided through the National Flood Insurance Program (NFIP) or private insurers, is essential given Florida’s vulnerability to flooding. Windstorm insurance, sometimes a separate policy or an endorsement to your homeowners insurance, covers damage specifically caused by high winds and hurricanes. Consider umbrella liability insurance for additional protection against lawsuits resulting from accidents on your property.

Risk Mitigation Strategies for Beach Properties

Mitigating risk is key to reducing both the likelihood of damage and the cost of insurance. Elevating your home on pilings can significantly reduce flood risk and may qualify you for lower flood insurance premiums. Installing impact-resistant windows and doors can lessen damage from high winds and hurricanes, leading to lower premiums and potentially reducing the extent of damage. Proper landscaping, including planting storm-resistant vegetation, can also help protect your property. Regular maintenance, such as checking the roof and foundation, is crucial for preventing costly repairs down the line. Furthermore, creating an emergency plan, including evacuation routes and securing valuable possessions, will help minimize disruption and losses during a storm. A well-maintained property will also show insurers that you’re a responsible homeowner, which can influence premium calculations.

Reducing Insurance Premiums

Several strategies can help lower your insurance premiums. Improving your home’s construction and safety features, as previously mentioned, is a primary way to demonstrate lower risk to insurers. Maintaining a good credit score is another factor insurers consider, as it reflects financial responsibility. Bundling your homeowners, flood, and auto insurance with the same company can often result in discounts. Shopping around and comparing quotes from multiple insurers is essential to finding the best rates. Consider increasing your deductible; a higher deductible means lower premiums, but you’ll pay more out-of-pocket in the event of a claim. Finally, carefully review your policy to ensure you are only paying for the coverage you need and are not over-insured. For example, if you have significant savings, you might consider a higher deductible to lower your premium. Remember, accurate information on your property’s features and construction is crucial for obtaining the most accurate insurance quotes.

Questions Often Asked

What are the typical closing costs when buying a cheap beach home in Florida?

Closing costs in Florida vary but typically range from 2% to 5% of the purchase price and include items like title insurance, appraisal fees, and recording fees.

How do property taxes compare in different Florida beach towns?

Property tax rates differ across Florida counties and municipalities. It’s crucial to research the specific tax rate for the area you’re considering before purchasing.

What are the common HOA fees associated with condos near the beach?

HOA fees for beachfront condos can vary significantly depending on the amenities offered and the size of the building. Expect to pay several hundred dollars per month, sometimes more.

Are there any government programs to assist with affordable housing near Florida beaches?

While specific programs focusing solely on beachfront properties are rare, some state and local initiatives offer assistance with down payments or affordable housing options. Research local and state resources for details.