The Showdown

Scottsmoor vs Suntree

Scottsmoor is the more affordable of the two — typical homes run about $335K versus $470K in Suntree. Neither is truly beachfront, but Suntree is closer at roughly 20 minutes. Scottsmoor carries the lighter insurance and flood profile (tier 1/5, ≈25% in a FEMA flood zone). Public schools rate higher in Suntree (≈9/10). The right pick comes down to how you want to live — that is exactly what our two-minute match quiz sorts out.

CategoryScottsmoor3 winsSuntree3 wins

Typical home price

Lower = more affordable

$335K$470K

Est. monthly payment

20% down · 6.5% · 30y · incl. est. taxes & insurance

$2,092/mo$2,922/mo

Drive to the beach

40 min20 min

Public schools

FL DOE districts: Scottsmoor A · Suntree A

6/109/10

FEMA flood-zone share

≈ 25%≈ 10%

Insurance exposure

1 = inland-friendly · 5 = barrier island

1/52/5

Effective property tax

≈ 0.86%≈ 0.86%

Community size

1K14K

Public boat ramps (on our map)

00

Playgrounds (on our map)

00

Signature annual events

——

Figures are market-level approximations from our living guides — individual homes and school zones vary. Trophies mark the stronger side of each measurable row; several rows are simply different, not better.

Scottsmoor vs Suntree: quick answers

Is Scottsmoor or Suntree cheaper to buy in?

Scottsmoor is typically more affordable: homes run around $335K versus about $470K in Suntree. With 20% down at 6.5% over 30 years, that is roughly $2,092/mo versus $2,922/mo including estimated taxes and insurance.

Which is closer to the beach — Scottsmoor or Suntree?

Suntree: about 20 minutes to the sand, compared with roughly 40 minutes from Scottsmoor.

Which has lower flood and insurance risk?

Scottsmoor. It rates 1/5 on our insurance-exposure scale with ≈25% of parcels in a FEMA flood zone, versus 2/5 and ≈10% in Suntree. Individual homes vary — always check the specific address.

How do the public schools compare?

Suntree rates higher (~9/10 versus ~6/10), and sits in an FL DOE A district. School zones vary street to street — verify the specific assignment.