Moved from Maryland in early 2020 to St. Augustine area. My wife and I love it here. We live in World Golf Villages, single level family home 3bedrooms/2 bath.
Took me less than a day to adjust. With Covid, Florida (St. Johns County) was not a bad place to be.
Benefits are;
Low cost of living compared to Maryland -- Baltimore/DC
More house for your $$$
No income tax -- which means ss, pension and RMDs are not taxed
People have posted real estate taxes and insurance are more expensive
-- I have not found that, our insurance and taxes are less compared to similar
-- property in Maryland
Weather is hot/humid in the summer, but no worse than the summers in Maryland
If you like water activities, this is the place to be -- can be outside/on the water
-- all year
Nice grocery stores; Publix and we are getting a Buc-ee's
Can play golf year-round, there are a lot of nice low-cost courses and some world
-- class ones too
Decent medical care if you are close to metro areas
There seems to be a pharmacy on ever corner
Cons:
Snakes, bugs, fire ants...
Potential for severe storms
Costs of water -- public utility
Tremendous growth / people moving to FL on-going
Jaguars
May need to drive 20-30 minutes to get to Costco, shopping centers...
There are some,not many that are wary of Yankees crossing the Mason Dixon line
Snow birds especially in southern Fl. increase traffic crowding in stores
--- and restaurants
The heat in July, August & September, but you go to the beach, pool and do your
--outside activities early and pace yourself.