Bartman, since you asked:
1. One tip is to look for a house that is on the market. Either a recent built or a spec home. That is usually a lot cheaper than building one yourself. And if it was preowned, it should be debugged - and believe me, the builders make a lot of mistakes. Other advantage is that you can check out the neighborhood. If you build in one of those new developments, you never know how things are going to develop.
2. Another thing to watch out for is housing taxes. They can vary a lot.
3. Further, don't build near the water or a river or creek. You will have trouble getting flood insurance. House insurance is anyhow a big problem in Florida. Most companies do not write insurances any more. Hurricans, floods and sinkholes being the most common reason. So get an idea of what the insurance bill will be before closing.
4. Energy efficiency is becoming more and more of a problem. Most houses in Fl are single pane windows and the insulation on the walls is reduced to a sheet of foil. That, of course, you could control better when you build yourself.
5. Pools are a pain in the neck. I know that this is one big thing for northeners when they move to Fl. But the cost is going to eat you alive - cost of maintenance and the cracks most people seem to get. We have a large hottub which is very easy to maintain (if you get an ozonator). No chemicals and I refill it every 6 weeks. This is very nice, especially if you have a courtyard house like us. See here http://i260.photobucket.com/al.....isk004.jpg
6. You must have your own well for the sprinklers, the hottub, etc. Else you end up with a $500 water bill during the winter months - during the summer it rains enough.
There are a lot more things, I am sure. Maybe techgranny has a few tips too. She is a builder, I think.