Property Tax Cuts Could Upend the Florida Housing Market
Florida’s proposal to eliminate property taxes sounds like a radical affordability solution — but what would it actually cost? In this episode, Maiclaire Bolton Smith and Chay Halbert unpack the financial, political, and social tradeoffs behind this bold move.
• Eliminating property taxes would gut funding for schools and public services, forcing states to consider more inconsistent funding alternatives like sales tax hikes.
• Florida’s affordability crisis is already pushing people out of major cities like Miami, and this proposal could deepen inequality.
• Replacing lost revenue isn’t as simple as it sounds — and may create more complex issues than it solves
Florida on the Brink: https://www.cotality.com/insights/articles/florida-on-the-brink
Meet Cotality: https://www.cotality.com
--------
20:12
Cotality is more than a name — It’s a vision
CoreLogic rebranded as Cotality, and the company’s CEO Patrick Dodd explains why now was the right time to make the change.
- The transition from CoreLogic to Cotality wasn’t just a rebrand, it was transformation with purpose.
- What happens when a legacy powerhouse hits refresh? Beyond better serving client needs and adapt to changing market dynamics, this rebrand better showcases what this company has become.
- Cotality is setting a new standard by pushing the boundaries of insight, collaboration, and impact to lead the property industry forward.
In this episode of Beyond the Buildings, Patrick Dodd sits down with host Maiclaire Bolton Smith to explain what drove the change, why now was the right time, and how this new identity honors the past while boldly stepping into the future. From the collaborative naming process to the careful crafting of the mission, vision, and values statements, he gives us an inside look at how Cotality came to be and where it’s heading next.
In this episode:
• 2:31 – Who is Cotality?
• 5:38 – Why was the CoreLogic brand changed now?
• 9:30 – What have been the reactions to the rebrand?
• 13:19 – How was the name “Cotality” selected and what does it mean?
• 20:37 – Where will the Cotality brand take the company?
• 24:31 – Erika Stanley looks at the numbers in the housing market in The Sip.
• 25:25 – Why is it important to be people-centric?
• 29:17 – Patrick Dodd explains when he will feel like Cotality has achieved its mission.
--------
33:04
How Gen Z will write new rules for homebuying
Gen Z is entering the housing market and encountering challenges both familiar and unfamiliar to previous generations.
- High mortgage rates and home prices are forcing many to explore alternative markets and creative strategies like house hacking.
- Tech tools and digital platforms are central to how Gen Z researches, finances, and navigates homebuying decisions.
- This generation is redefining ownership to embrace shared purchases, multi-use properties, and nontraditional paths to affordability.
In this episode of Beyond the Buildings, host Maiclaire Bolton Smith and Cotality economist Molly Boesel explore the trends shaping Gen Z’s path to property ownership — what’s driving them, what’s holding them back, and how their creativity is changing the landscape of housing for everyone.
In this episode:
2:00 – How big of a presence is Gen Z in the housing market? Are they having an easier or more difficult time buying homes than previous generations?
3:29 – What sort of homes are Gen Z buyers looking for?
6:14 – Are Gen Z buyers spending more than the recommended amount when they purchase homes? Is homeownership out of reach for much of this generation?
10:49 – Erika Stanley looks at the numbers in the housing market in The Sip.
11:57 – Is house hacking a possible path to homeownership for this generation?
15:12 – How are affordability issues propelling Gen Z buyers to look into creative financing options?
18:00 – Is AI changing how Gen Z buyers shop for homes?
--------
20:52
Can We Bridge the Widening Property Insurance Gap?
For years homeowners’ insurance was just there. It was a safety net in the background, ready to catch someone when disaster struck. But now, that net is fraying, and homeowners are scrambling to understand why coverage is becoming so expensive — or in some areas, nearly impossible to obtain.Homeowners across the country — especially in wildfire-prone states like California — are seeing their premiums skyrocket, their policies canceled, or, in some cases, they are left without any options at all. Insurers too are feeling the pressure. For years, they relied on traditional risk models to calculate premiums, issue policies, and assume predictable loss patterns. But the landscape is changing. Rising claims, extreme weather events, and economic pressures are pushing the industry to a breaking point.At the center of this crisis is a fundamental question: how does the industry adapt to a world with accelerating natural hazard risk? On this episode of Core Conversations, host Maiclaire Bolton Smith sits down with the co-founder of Wows Insurance to talk about this issue and what can be done to address this ongoing crisis.In This Episode2:46 – Why are insurers paying out more than they are taking in?4:48 – What will happen to the housing market if insurance becomes too expensive or impossible to get?6:52 – Are there alternative paths to providing insurance beyond the traditional avenues?9:51 – How can governmental policy development and homeowner participation help improve insurance accessibility?14:08 – Is it possible for insurance to remain a profitable business long-term?17:10 – Erika Stanley does the numbers in the housing market in The Sip.18:12 – How do you insure the value of a home long-term as the market continues to drive up prices?22:26 – Comparing the 2024 and 2025 California wildfire season.24:27 – In which other states is wildfire risk increasing dramatically?26:43 – What does the future landscape of wildfire insurance look like?Up Next: The Homes the LA Wildfires Left: A Hidden Insurance Crisis?Links: Will Trump Tariffs Harm Home Affordability?What Is the Real Price of LA’s Wildfire Disaster?What Will a Second Trump Presidency Mean for U.S. Housing?Explore CoreLogic DataRead CoreLogic Intelligence 5 Copyright 2025 Cotality
--------
29:53
New Tariffs, Higher Costs — Who Really Pays the Price?
As the U.S. waits for the final decision on the fresh tariffs imposed on Canadian, Mexican, and Chinese imports, the housing industry is bracing for the impact of this policy decision. With material costs already a growing concern, these new trade policies could send ripples through supply chains, development timelines, and affordability.Tariffs on steel, lumber, concrete and other key building materials have the potential to drive up construction costs, exacerbating an already tight housing market. Builders and developers may need to rethink sourcing strategies, while policymakers weigh the broader economic consequences of trade restrictions on inflation and consumer spending.From rising home prices to shifting supply chains, host Maiclaire Bolton Smith sits down with industry experts Pete Carroll CoreLogic's, EVP of Public Policy and Industry Relations, and Jay Thies CoreLogic's Vice President of Pricing Analysis and Delivery to explore the immediate and long-term effects of these tariffs. Tune into this episode of Core Conversations to listen to the break down on what thse tariffs could mean for homebuilders, affordability, and the future of the housing market.In This Episode:2:10 – What are Trump’s tariffs and how will they affect the property industry — particularly construction?5:50 – What are the preliminary estimates on how much tariffs could increase homebuilding costs?9:12 – Will adding additional cost to homebuilding conflict with Trump’s executive order to provide affordability relief to the housing market?13:58 – How will material and labor costs be affected?16:32 – Erika Stanley does the numbers in the housing market in The Sip.17:32 – Canadian lumber tariffs, they’re not new, but these tariffs will make them substantial.19:22 – Could the U.S. domestically supply the necessary materials for home construction? Are there alternative materials that could be used?22:30 – Will the tariffs have long-term consequences on U.S. home affordability?24:54 – How will these tariffs affect rebuilding efforts following January’s Los Angeles wildfires?28:30 – Will these tariffs affect the future of the U.S. property market?Up Next: What Will a Second Trump Presidency Mean for U.S. Housing?Links: What Is the Real Price of LA’s Wildfire Disaster?Construction Cost Update ReportRead CoreLogic Intelligence Find full episodes with all our guests in our podcast archive here: https://clgx.co/3HFslXD5 Copyright 2025 Cotality What Is the Real Price of LA’s Wildfire Disaster?Construction Cost Update ReportRead CoreLogic Intelligence
Get a new perspective on property. Host Maiclaire Bolton Smith, Vice President of Product Marketing at Cotality, goes in-depth with experts to understand how the property ecosystem is evolving, glean information on how to solve housing's greatest challenges, and see what's going to happen next.
México