Sell your home with one agent, start to finish

Deed stamps at $0.70 per $100, the owner's title policy at the state-set rate, recording, your payoff and prorations, plus the agent fee in the listing agreement. The cost-to-sell page applies the statutory figures to every city's median and the calculator adds your own numbers.

Nationally 14% of purchase contracts fell through in July 2026, and 18.2% in the Orlando metro, the highest share in almost three years (Redfin), with inspection findings and financing the leading reasons. The protection is in the contract: a pre-approval letter with the lender named, an earnest money deposit that hurts to lose, a financing period that is not open-ended, and a price the appraisal can support, since the standard Florida contract lets a buyer out on appraisal only when Rider F is attached. Accept a backup offer in writing where you can; the days on market keep counting after a cancellation.

It can stall the buyer's policy, and a lender does not fund without one. Florida Statutes 627.7011(5) bars an insurer from refusing a home solely for roof age when the roof is under 15 years old, and for an older roof it must accept an inspection showing 5 or more years of useful life; buyers of homes around 20 years old are also asked for a four-point inspection. Order the four-point and the wind-mitigation inspection (state form OIR-B1-1802) before listing so you see what the buyer's insurer sees, and ask for a pre-listing check with your valuation at /home-valuation/.

Federal law excludes up to $250,000 of gain on a main home, or $500,000 on a joint return, if you owned and lived in it for at least two of the five years before the sale and have not used the exclusion in the prior two years (Internal Revenue Code section 121; IRS Topic 701 and Publication 523). Florida has no state income tax. Documented improvements and selling costs raise your basis and shrink the gain; a CPA runs the numbers and /calculators/cost-to-sell/ gives you the selling-cost side.

It comes off the house and can travel with you: portability moves up to $500,000 of the difference between the old home's market value and its capped assessed value to a new Florida homestead established within three tax years, by filing form DR-501T with the homestead application by March 1. The buyer's assessment resets to market value the January 1 after closing, so the tax estimate they see is higher than your bill; run both at /calculators/property-tax/. This is general information, not legal, tax or insurance advice.