Settling in florida is normal because of the sandy soils with high ground water. 2.

Park fee's School Fees and any other fee's they can think of.. then you have your building permit fee IE plan check and the actual building permit that is usually 2 to 3k. depending on size.. so all in this can run a low of about 15k to 50 to 70k depending on jurisdictionPerk test is a Peculation of the soil  test  IE  how quick will water be absorbed.. in heavy clay soils this can be an issue along with very high ground water.

You do not have to share your Phase I findings with the seller, so if it winds up being relatively free of potential soil and ground water pollution or contamination, you may be able to get a below market deal. 

Ground water?

For example a fire/dwelling policy including in-ground water hazard liability.Insurance is one huge headache for me.

It can be a LOT more than 10k depending on a million different factors that you don't know at this stage (for instance, many foundation issues are caused by ground water issues that could cost you tens on tens of thousands to fix--or might be un-fixable in some scenarios). 

I suspect it is ground water.

One thing that sticks out to me is that there is no frontage on the major highway.The only issue with the deed that I'm aware of is that we allowed to County to pay us to test groundwater on the property because there was a diesel spill at the Fire Station a while back.

Waterproofing a basement is only a barrier to ground water (if the soil gets saturated) and will not offer any significant protection against surface water (as in flooding) ...

Majority of the repairs coming from the roof and crawl space that has water damage.We knew there was water in the scrawl space, but our initial assumption was it was just groundwater since we’ve had a lot of rain in Maryland and the Annapolis area.What’s actually happening is the water is coming from the front right corner of the house, where the sewer line runs, plus there is a gap in the foundation in that same area that needs to be sealed.