Cash Home Buyers Across Florida

Florida is the largest and most active cash buyer market in the Southeast — and one of America's most dynamic real estate environments. From Jacksonville's affordable investor zones to Miami's luxury rehabs, Tampa's hot resale market to Cape Coral's hurricane-impact opportunities, we buy in every Florida market that matters.

Why Florida Homeowners Sell to Us

Florida has the highest foreclosure rate in America (late 2025/early 2026 data) and an active insurance crisis making many homes uninsurable for traditional buyers. We close fast, pay off your lender, and buy properties that can't get conventional financing.

• No state income tax on your sale (Florida is one of nine states without it)
• Insurance crisis exits — uninsurable homes can ONLY be sold to cash buyers, and over 1M Florida homes are currently uninsured
• Active investor pools in Jacksonville, Tampa, Miami, Orlando, Cape Coral
• Out-of-state heir-driven sales are extremely common (Florida retirees passing on properties to Northeast/Midwest heirs)
• Hurricane recovery zones generate consistent fast-close cash deal flow

Florida Cities We Buy In

City	County	Median Home Price
Jacksonville	Duval	$299,990
Tampa	Hillsborough	$420,000
Orlando	Orange	$385,000
Miami	Miami-Dade	$615,000
Fort Lauderdale	Broward	$525,000
St. Petersburg	Pinellas	$365,000
Tallahassee	Leon	$285,000
Cape Coral	Lee	$375,000
Ocala	Marion	$285,000
Lakeland	Polk	$295,000
Gainesville	Alachua	$310,000
Pensacola	Escambia	$245,000
Port St. Lucie	St. Lucie	$385,000
Kissimmee	Osceola	$345,000

And we buy in many other Florida cities, towns, and unincorporated areas. If your property is in Florida, request an offer — we'll take a look.

Florida-Specific Things You Need to Know

Florida Foreclosure Timeline (JUDICIAL)

Florida is a judicial foreclosure state, meaning lenders must file a lawsuit in court before they can sell your home (Fla. Stat. Chapter 702). The typical uncontested foreclosure takes 6-12 months from filing to sale; contested foreclosures can take 1-3 years. You'll receive a complaint and have 20 days to respond.

What this means: Florida gives you more time than non-judicial states — but once the clerk files the certificate of sale, your right of redemption is extinguished (Fla. Stat. § 45.0315). Florida has no post-sale redemption period.

Florida Insurance Crisis (Critical for Sellers)

Over 1 million Florida homes are currently uninsured or uninsurable. This is the single biggest motivated-seller driver in Florida right now. If your home can't get insurance, traditional buyers can't get a mortgage — meaning cash buyers are often your only realistic exit. Coastal counties (Lee, Pinellas, Sarasota, Broward, Miami-Dade) are hit hardest.

Florida Property Tax Deed Sales

Florida counties hold annual tax deed sales for properties with unpaid taxes. After ~2 years of delinquency, the county can sell the tax deed. Most active tax sales happen in Miami-Dade, Broward, Orange, Hillsborough, and Duval counties. If you're behind on Florida property taxes, a cash sale before the tax sale preserves any remaining equity.

Florida Hurricane & Wind Damage Sales

Properties with hurricane damage, sinkhole history, or 4-point inspection failures are functionally unsellable through traditional channels. We buy these properties as-is and handle remediation ourselves. Lee County (Cape Coral/Fort Myers) post-Ian inventory is especially active.

Florida Disclosure Requirements

Florida common law (Johnson v. Davis) requires sellers to disclose known material defects affecting property value. "As-is" cash sales still require this disclosure — but you only have to disclose what you actually know. Cash buyers like us factor unknowns into our offer.

What We Buy Across Florida

• Single-family homes — any age, any condition
• Multi-family duplex/triplex/fourplex (especially active in Jacksonville, Orlando)
• Condos and townhomes
• Mobile homes on land
• Vacant land and lots
• Florida agricultural and rural properties (citrus, ranch, timber)
• Pre-foreclosure (lis pendens filed)
• Probate and estate properties
• Tenant-occupied rentals (we buy with tenants in place)
• Hoarder homes — we clean it out
• Fire/water/mold-damaged homes
• Inherited Florida properties from out-of-state heirs
• Uninsurable properties — homes that can't get insurance due to age, condition, or location
• Hurricane-damaged properties — wind, flood, or storm-impact damage

The Florida Cash Sale Process

1. Submit your address — call (313) 217-3067 or use our online form
2. We research — comparable sales, county records, neighborhood ARV
3. Verbal offer in 24 hours — range based on remote analysis
4. Walkthrough — 15 minutes, virtual or in person
5. Written offer in 48 hours — fully transparent with our math
6. Contract + close in 7-21 days — at a Florida title company near you

Frequently Asked Questions

Do you actually buy in Florida, or just Michigan?

We buy in all three. Our cash buyer operation covers Florida statewide, Michigan statewide, and East Tennessee, with active deal flow in each. Florida is one of our most active markets — strong investor demand, the insurance crisis, and consistent out-of-state heir sales create constant opportunities.

How fast does Florida foreclosure happen?

Slower than most states because Florida requires judicial process. Typical uncontested timeline: 6-12 months from lawsuit filing to sale. Contested foreclosures take 1-3 years. This gives Florida homeowners more time to act — but once filed, the process moves.

Is there any redemption period after Florida foreclosure?

No. Once the clerk files the certificate of sale (typically within 10 days of auction), your right of redemption is extinguished under Fla. Stat. § 45.0315. Unlike Michigan's 6 months, Florida has no post-sale redemption period.

Do I owe state taxes when I sell a Florida house?

Florida has no state income tax, so you won't owe state tax on your sale. Federal capital gains may apply (consult a CPA). If you've owned and lived in the home for 2 of the last 5 years, the federal homestead exemption may exclude up to $250K (single) or $500K (married) of gain. Note: Florida has documentary stamp tax on the deed (Fla. Stat. § 201.02) — typically the seller pays $0.70 per $100 of sale price.

What's the difference between selling in Florida vs Michigan or Tennessee?

Florida has its own unique dynamics: judicial foreclosure (slower than TN, faster than MI for action), no income tax, the insurance crisis that creates motivated sellers other states don't have, and the highest foreclosure rate in America. Florida is the most investor-saturated of our three markets — which means motivated sellers need someone who closes fast and follows through.