Sell Your House Fast in Florida
We Buy Houses Across Florida in Any Condition, Any Situation
Florida homeowners face the toughest insurance market in the country, recurring hurricane damage, condo association reserve assessments, and an aging snowbird population transitioning out of homes that no longer fit. Keyheart buys houses for cash across Florida, from Pensacola to the Keys.
The Florida Real Estate Market
Florida's housing market has cooled sharply since 2023 as homeowners insurance premiums tripled, condo reserve mandates after Surfside drove up HOA fees, and out-of-state inflows slowed. Many homeowners are stuck between rising costs and a market unwilling to pay 2022 prices.
What Florida Sellers Need to Know
Florida uses judicial foreclosure with a typical timeline of 8 to 14 months. Florida's homestead exemption is one of the strongest in the country — it caps annual assessment increases (Save Our Homes), protects up to a half-acre in cities from forced sale, and shields significant home equity from creditors. No state income tax, no state estate tax.
Common Situations We Help Florida Homeowners Solve
- Hurricane-damaged homes on the Gulf and Atlantic coasts
- Condo owners hit with massive special assessments after Surfside reserve mandates
- Aging snowbirds downsizing or moving back to home states
- Properties with skyrocketing homeowners insurance making mortgages unaffordable
- Pre-foreclosure homeowners using Florida's slow judicial timeline to find buyers
How It Works in Florida
Fill out the form above or call (817) 725-7757 with your Florida address. We'll schedule a brief walkthrough — no cleaning or repairs needed — and deliver a fair written cash offer within 24 hours. You pick your closing date and receive cash from a licensed Florida title company. No agent commissions, no closing costs paid by you, no inspection negotiations.
Frequently Asked Questions About Selling in Florida
Will Keyheart buy a hurricane-damaged house in Florida?
Yes. We buy hurricane-damaged homes throughout Florida — including homes still awaiting insurance settlement, homes with tarped roofs, and total losses. You don't need to file a claim, wait for adjusters, or do cleanup.
Will you buy a Florida condo with a special assessment?
Yes. We buy condos with special assessments, deferred maintenance, and high HOA fees throughout Florida. The 40-year recertification and Surfside reserve mandate have hit many older condos hard — we factor everything into our offer.
How does Florida's homestead exemption affect selling?
Florida's homestead exemption caps your annual property tax assessment increase at 3% (Save Our Homes). When you sell, the new owner's tax bill resets based on current market value — sometimes a massive jump. The exemption protects you while you own; it doesn't follow the home to the buyer.
Do I owe Florida state capital gains tax when selling my home?
Florida has no state income tax and no state capital gains tax. You may still owe federal capital gains tax on profit above the IRS primary-residence exclusion ($250K single / $500K married), but Florida itself doesn't add to that bill.