Congratulations — you’re officially a homeowner! You’ve signed the papers, gotten the keys, and maybe even popped a little champagne. Now the moving boxes are staring at you and you’re wondering… what comes next?

Here’s your Jacksonville-focused game plan for settling in and protecting your investment.

1. Change the Locks and Codes

Even if the sellers seemed lovely, you don’t know who else might still have a copy of the keys.

• Replace or rekey exterior locks.

• Update garage door codes and any smart lock passcodes.

2. Set Up (or Transfer) Your Utilities

If you didn’t do this before closing, make it a top priority. In Jacksonville and surrounding areas, that may include:

• JEA for electric, water, and sewer.

• Your choice of internet and cable providers (AT&T, Comcast/Xfinity, etc.).

• Trash and recycling pickup through the city or county.

3. File for Your Florida Homestead Exemption

If this is your primary residence, don’t miss the chance to reduce your property taxes and lock in assessment caps. File with the Duval County Property Appraiser (or your county’s office) by March 1 of next year.

4. Create a Home Maintenance Calendar

Jacksonville’s climate means you’ll want to stay ahead of humidity, storms, and salt air if you’re near the coast.

• Change HVAC filters every 1–3 months.

• Schedule annual AC servicing (a must in Florida summers!).

• Check your roof, gutters, and yard drainage before hurricane season.

5. Meet Your Neighbors

Building connections early can make life easier and more enjoyable. Neighbors can:

• Share trusted local contractors.

• Keep an eye on your home when you’re away.

• Invite you to neighborhood events and HOA meetings.

6. Review Your Insurance Coverage

Your homeowner’s policy is your safety net — make sure it’s right for you.

• Confirm your hurricane/wind coverage.

• Add flood insurance if you’re in a flood zone (it’s not automatically included).

• Take photos of your belongings for documentation.

7. Make a “First-Year Project” List

Not everything needs to be done right away.

• Prioritize safety and functionality upgrades first (locks, lighting, repairs).

• Save the fun projects (paint, décor, landscaping) for when you’ve lived in the home long enough to know what you truly want.

Final Takeaway

Owning a home in Jacksonville is exciting, but it’s also a responsibility. By knocking out these first steps, you’ll protect your investment, lower your costs, and feel more at home faster.

Need Local Recommendations?

Contact CrossView Realty at 904-503-0672 or email info@crossviewrealty.com. We can connect you with trusted Jacksonville-area service providers — from locksmiths to landscapers — so you can start homeownership off right.