Same brand, two very different locations — HOA costs, beach access, Florida vs SC taxes, and which Latitude is actually right for you
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Talk to a Specialist →Buyers drawn to the Margaritaville brand often research both Latitude Margaritaville Hilton Head (Hardeeville, SC) and Latitude Margaritaville Daytona Beach (Daytona Beach, FL) simultaneously. The brand identity is consistent; the financial picture is meaningfully different. Here is the honest comparison.
| Category | Latitude Margaritaville HH | Latitude Margaritaville Daytona |
|---|---|---|
| Location | Hardeeville, SC | Daytona Beach, FL |
| HOA / Month (single-family) | $329/mo | Est. $290–$330/mo |
| Beach distance | 35–40 min drive | ~5 min to Daytona beach |
| State income tax | SC: SS exempt, $15K/30K deduction | FL: No state income tax |
| Property tax ($500K, 65+) | ~$1,000–$1,400/yr (Beaufort Co.) | ~$2,500–$4,000/yr (Volusia Co.) |
| Homeowners insurance | ~$2,200–$3,200/yr | ~$4,000–$7,000/yr (FL market) |
| Hurricane risk | Lower — inland SC | Higher — Florida Atlantic coast |
| Community maturity | Active construction | More established — opened 2018 |
| Homes planned/built | 3,000 planned | 3,500 planned — further along |
| Social programming | Developing | More developed — further along |
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Latitude Margaritaville Daytona Beach is approximately 5 minutes from the Atlantic Ocean. Latitude Margaritaville Hilton Head is 35–40 minutes from Hilton Head Island beaches. For buyers who specifically want to live in a Margaritaville community with genuine beach proximity, Daytona Beach wins this comparison clearly.
Hilton Head Island is a more prestigious and beautiful beach destination than Daytona Beach — calmer, less crowded, with gorgeous tidal marshes and the Sea Pines aesthetic. But it is 8 times further from Latitude Margaritaville HH. The beach experience you can actually have regularly matters more than the one that requires a 40-minute trip.
Florida homeowners insurance on a $450K–$500K Daytona Beach area home currently runs $4,000–$7,000/year and is trending upward. SC insurance on a comparable inland Hardeeville home runs $2,200–$3,200. The annual difference — $1,800–$3,800 — largely offsets the Florida income tax advantage for many retiree income profiles. Run the full calculation before assuming Florida's no-income-tax status makes it automatically cheaper.
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