It seems like you have to see the dermatologist
so that he can have a look live,due to the sunny weather of the Florida and use of sun beds in someone having a white skin,one must be very vigilant regarding any new moles
at anytime of their lives.
The sooner the better,it could be something benign but it could not be so better to check it up.I cannot comment any further because i haven't seen the mole,i hope you can understand my position.
thanks very much and all the best.