Estimated FSBO Savings in Florida
Buyer side, ~3% (~$12,300): When your buyer finds you directly through your free listing, that 3% can be negotiated as a lower price or closing credit instead of going to a buyer's agent.
Use the free SaveOnYourHome.com Savings Calculator to estimate the full potential savings on your specific Florida sale.
Florida Seller Disclosure Requirements
What Florida Sellers Must Disclose
- Known material defects not readily observable by the buyer (Johnson v. Davis duty)
- Flood risk disclosure: prior flood insurance claims and FEMA assistance history (mandatory statutory form)
- Homeowners' association and condominium association documents and fees
- Radon gas notice (statutorily required warning language)
- Sinkhole activity or insurance claims related to sinkhole damage
Federal Lead-Based Paint Rule
Federal Title X (42 U.S.C. Section 4852d) requires every seller in every state, including Florida, to disclose known lead-based paint and lead-based paint hazards for homes built before 1978, provide the EPA pamphlet "Protect Your Family from Lead in Your Home," and give buyers a 10-day period to test for lead before becoming bound to the contract.
Florida-Specific Considerations
Florida's foundational disclosure rule comes from case law, not a single statute: sellers must disclose known facts materially affecting value that are not readily observable. Separately, Florida is a leader in flood-related litigation exposure given hurricane risk, and its new flood disclosure statute is mandatory statewide as of October 1, 2024.
How Closing Works in Florida
Florida is a title state, meaning closings are typically handled by a title company or closing agent rather than requiring an attorney, although either party may choose to hire one. The title company conducts the title search, issues title insurance, prepares the closing disclosure, and holds earnest money in escrow until closing. Funds and documents are exchanged and recorded at the title company's closing table or via a mobile/remote closing. Real estate attorneys are optional but commonly used for contract review in complex or high-value FSBO transactions. Sources: Key Title & Escrow (titleescrowmiami.com) and Alfonso Hersch Law (alfonsohersch.com).
Special FSBO Considerations for Florida
- Florida requires sellers to complete a property disclosure disclosing known material defects, and separately disclose flood zone status and any history of flood damage per recent state law changes.
- Homestead and condo/HOA properties have specific estoppel certificate and document disclosure requirements that FSBO sellers must provide to buyers before closing.
- Because no attorney is required, FSBO sellers should still have the title company or an attorney review the purchase contract to make sure documentary stamp tax and closing cost allocations are handled correctly. Verification recommended with licensed Florida attorney.
Why List Your Florida Home Free on SaveOnYourHome.com
SaveOnYourHome.com is a nationwide FSBO platform built for Florida homeowners who want to sell their home without paying a listing agent. Listing your home on SaveOnYourHome.com is completely free, with no listing fees, no commissions to us, and no strings attached. We give Florida sellers a professional listing page, buyer inquiry tools, and free educational resources so you can market your home yourself and keep the equity you've built.
Unlike agent-based platforms, SaveOnYourHome.com is a pure FSBO marketplace. We don't take referral fees, we don't push you toward paid services you don't need, and we never charge you a commission when your home sells. The savings from selling FSBO in Florida, often tens of thousands of dollars, stay in your pocket.
Free Weekly FSBO Q&A Call for Florida Homeowners
Selling your Florida home by owner does not mean going it alone. Every week, SaveOnYourHome.com hosts a free live Q&A call where Florida homeowners can ask real questions about pricing, disclosures, showings, offers, and closing, and get honest, commission-free answers before they list.
The call is 100% free, there is nothing to buy, and every seller is welcome, whether you are just researching FSBO or already have your home on the market. Bring your questions and get clear guidance from the SaveOnYourHome.com team.
Reserve your spot on the next free weekly Q&A call →Frequently Asked Questions About Selling FSBO in Florida
What must I disclose to buyers when selling FSBO in Florida?
Florida requires a hybrid seller disclosure. The legal basis is: No single mandatory condition-disclosure form for most sales, but a mandatory Flood Disclosure form is now required by statute (Common law duty established in Johnson v. Davis, 480 So. 2d 625 (Fla. 1985); Fla. Stat. § 689.302 (flood disclosure, effective October 1, 2024)).
How much is transfer tax in Florida, and who pays it?
Florida charges a documentary stamp tax on the deed of $0.70 per $100 of the sale price statewide (Miami-Dade County uses $0.60 per $100 for single-family residential property, plus a surtax on other property types). This tax is customarily paid by the seller, though it is negotiable in the purchase contract. Source: Florida Department of Revenue (floridarevenue.com).
Is there a mandatory attorney review period in Florida?
Florida does not have a statutory post-signing attorney review period like New Jersey's. FSBO sellers can still ask an attorney to review the contract before signing.
How much can I save by selling my home FSBO in Florida?
On a typical Florida sale, real estate commissions total about 5% to 6% of the sale price, roughly 3% to the listing agent and 3% to the buyer's agent. Based on a $410,000 Florida home, eliminating that 6% keeps up to about $24,600 inside your transaction. When you sell FSBO on SaveOnYourHome.com, there is no listing fee and no listing-side commission owed to us. If your buyer also comes to you directly through your free SaveOnYourHome.com listing without a buyer's agent, the buyer-side ~3% (about $12,300) can be negotiated as a lower price or a closing credit on this same sale.
Do I need MLS access to sell FSBO in Florida?
No. SaveOnYourHome.com is a nationwide FSBO platform that reaches Florida buyers directly without requiring you to pay for MLS access or a listing agent.
Florida FSBO Recommendation
Complete Florida's official form or a comparable comprehensive form, keep copies of everything you disclose, and have a real estate attorney review your disclosure package before signing. Verify current requirements with a licensed Florida real estate attorney.
