Man Sebastian inlet is as close to fishing heaven as you can get. Premier inshore fishery, close enough to Jupiter inlet for the short run to gulfstream, and Stickmarsh in your backyard.

Summer heat, well its uncomfortable but not painfull like sub freezing temps. Id rather sit inside during a summer thunderstorm than be trapped inside for a week by blizzard and deep snow. Summertime we are cooling a house on averabe 12-15 degrees not trying to heat 30-50 degrees

You said you have a builder lot so when you build get the highest seer A/C system you can as well as a proper size system not thr Florida minimum a lot of builders want to sell you and upgrade the insulation package and your electric bills will not be bad. Hopefully your lot is not on sewer, if so forego fancy landscaping unless you get a sewer meter or shallow well for irragation. The water companies charge you once to get it and 3-4 times to take it back.

Insurance should not be terrible with all the new wind codes they are following now. A website called challengemyrate is a great resource for shopping homeowners insurance in Florida.

If you have any construction related questions feel free to shoot me a pm and I will answer or try and get you an answer from the many homebuilders I deal with daily.

Hope this helps ya, and good luck to ya.