The max is 3% on homesteaded property only. Taxes are unrestricted on investment/nonhomestead. Our local redneck county commissioners publicly take delight taxing out of staters to death. What's left unsaid is that business and employment growth are abysmal.
I'd rather have "redneck" commissioners doing the legislation than the bonehead liberals I've got sucking the blood out of my city and my pocket. As for how "out of staters" are getting fleeced, you'll have to explain that one to me. Primary residences in Fla can be homesteaded and cannot be touched by creditors. Fla is a debtor state going back to reconstruction to protect it's citizens from carpet bagging Yankees.
Reading your post more carefully, I understand where you're coming from and agree with your position. We've had so much Carribbean and third world immigration over the last 30 years that county and city politics is craven to the tax and spenders who are running things into the ground.