Second Home & Vacation Property Watch

Why this is recommended

A vacancy tax of 1 percent on a $600,000 property, a rental cap that ends $20,000 in income, or an insurance withdrawal from a coastal county each reshapes the economics; the fee is nothing by comparison.

What the Tab covers

Who it is for

The 7 million American households that own a second home, cabin or condo at the beach, lake or mountains.

When it runs

Vacation towns pass short-term rental and vacancy tax rules at off-season council meetings, and second home lending rules change with GSE announcements

Scope

Resort town and county councils in Colorado, Utah, Montana, Vermont, Maine, Florida, South Carolina, Hawaii, Arizona, Michigan and the Outer Banks; Fannie Mae and Freddie Mac second home rules; state property tax reassessments; coastal and mountain insurer withdrawals; Vail, Aspen, Park City, Lake Tahoe and Cape Cod rule changes

Suggested task

The objective your Tab starts with. You can edit every line of it once the Tab is yours.

Vacancy and second home tax proposals and adoptions in resort towns, short-term rental caps and moratoriums by destination, second home mortgage rate and down payment rule changes, insurance availability in coastal and mountain markets, property tax reassessment cycles in vacation counties, and HOA and resort fee changes, with the destination first.

Track second home ownership in US vacation markets. Report only confirmed, source-backed items from the last 7 days: vacancy, empty home and second home tax proposals and adoptions in resort towns and counties; short-term rental caps, moratoriums, license lotteries and fee changes by destination; Fannie Mae and Freddie Mac second home loan pricing, down payment and occupancy rule changes; insurer withdrawals and rate changes in coastal and mountain counties; property tax reassessment results in vacation counties with percentage changes; and resort, HOA and amenity fee changes in major destinations including Vail, Aspen, Park City, Lake Tahoe, Cape Cod, the Outer Banks, Hawaii and Florida beach towns. Prefer council minutes, county assessor, GSE, insurance department and established real estate reporting; ignore listing marketing. Put the destination first in the title. Use high severity for a tax or rental cap vote within 30 days, a lending rule change, or an insurer withdrawal. Return no more than 6 findings. Push each as a finding with a title, a two-sentence summary, sections for what changed, which properties it affects, the date, what owners should do, and the source link. If nothing qualifies, push nothing and submit the run receipt.