Miami, FL · Free FSBO Resource

Save $24,000 selling your Miami home yourself

Miami's flood disclosure requirements are real — take them seriously. The listing agent commission is the part that's optional.

$24,000
Avg commission saved
$600,000
Median Miami price
$95–$399
Flat fee to list on MLS
Not required
Attorney optional
En Español — Ver esta guía en español →

Pull your own comps. Here's where the real data lives.

This is where agents get their numbers — and it's all free. Pull recent Miami sales from at least two of these sources, then run the math below.

The 3-step comp method (what agents actually do)

1
Find 3–5 sold comps
Same beds/baths, same zip code, sold within 90 days. Within 10% of your square footage.
2
Average the $/sqft
Sale price ÷ square footage for each comp. Average them. Multiply by your sq ft. That's your baseline.
3
Adjust for your home
−$5–15/sqft for deferred maintenance or dated finishes. +$5–15/sqft for recent kitchen/bath, premium lot, or views.
🧮

CMA Worksheet

Pull 3–5 sold comps from Redfin or the county records first, then enter them below.

Sold Price
Sq Ft
$/sqft
0%
−15% deferred maintenance+15% renovated / premium

Enter your sqft and at least one comp to see your estimate.

This is a rough estimate based on the comps you enter — not an appraisal. Use it as a starting point, then validate against current active listings.

🏅Still not sure about your number?

A licensed appraiser ($300–$500) gives you a formal valuation you can show buyers. Especially worth it for unique properties, significant renovations, or anything hard to comp.

Find an Appraiser ↗

Net Proceeds Calculator

What will you actually walk away with?

Plug in your numbers. See your real net — with FSBO vs. traditional agent side by side.

$
$
$

Typical range: $95 – $349

Your FSBO Net Proceeds

Sale price$600,000
FL transfer tax (0.60%)$3,600
Flat-fee MLS$299
Title / escrow (est.)$3,000
Total selling costs$6,899
$593,101
Estimated net to you

FSBO vs. Traditional Agent

Agent commission (6%)$36,000
Your FSBO selling costs$6,899
You keep$29,101 more

Estimates only. Transfer tax rates are typical seller-paid portions and may vary by county. Consult a title company for exact closing costs.

Buying your next home?

LendingTree

Compare mortgage rates from multiple lenders in minutes. Get pre-approved for your next home purchase or find the best refi rate — all in one place.

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Compare Rates

Rocket Money

Track your finances, manage subscriptions, and build savings toward your next down payment. Know exactly where you stand before your next purchase.

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Manage Your Money

Step 1

Get Listed on Miami MLS (MIAMI Association of Realtors) + Zillow

You pay once to get listed. No percentage at closing. These three services cover Miami — here's how they actually differ.

Homecoin

$95 and you're on the MLS. If you know what you're doing and just need the listing, nothing else comes close on price.

Best for: Sellers who want the lowest possible cost
Get Listed with Homecoin

ListWithFreedom

Better phone support than most. If you'd rather call someone and talk it through than figure out a software dashboard, this one is worth the extra cost.

Best for: Sellers who want real human support
Get Listed with ListWithFreedom

FlatFee.com

List on the MLS for a flat fee — keep more of your sale price

Best for: Sellers who want a straightforward flat fee MLS listing
Get Listed with FlatFee.com

Affiliate links — we may earn a commission if you sign up, at no extra cost to you. Full disclosure.

Step by Step

Miami FSBO Seller Checklist

The full process, start to finish. Check items off as you go — we'll remember your progress.

About This Miami FSBO Checklist

This checklist covers every step of selling a home in Miami without a real estate agent — from preparing your home and completing Florida disclosure requirements, to listing on Miami MLS (MIAMI Association of Realtors), managing showings, negotiating offers, and closing. Florida does not require an attorney at closing — a title company handles the closing process. Use it alongside our flat fee MLS comparison and disclosure downloads above.

Miami FSBOSell without agent FLMiami MLS (MIAMI Association of Realtors) listingFlorida disclosure formsFlat fee MLS

Miami FSBO Transaction Forms

Every form you need to sell FSBO in Florida, organized by transaction phase. All links go to official government or state association sources.

6 Required3 Recommended
!
Lead Paint Disclosure (Pre-1978 Homes)PreparationRequired

Required federally for all homes built before 1978.

!
Seller's Real Property Disclosure (SPDR-4)ListingRequired

FL requires disclosure of all known facts that materially affect property value.

Radon Gas DisclosureListing

Florida law requires sellers to disclose radon gas risk. Radon is present in all Florida counties.

Unlock free →
Property Tax Disclosure Summary (FS 689.261)Listing

Required for all non-homestead properties. Notifies buyer that property taxes may increase significantly after sale if seller had homestead exemption.

Unlock free →
Flood Disclosure (FD-1/FD-2)Listing

Required since Oct 2024 — seller must disclose flood insurance history, prior flood claims, and FEMA flood zone. Updated FD-2 form required as of Oct 2025.

Unlock free →
HOA Disclosure to Prospective Purchaser (FS 720.401)Listing

If in an HOA, seller must provide a disclosure summary of the declaration, fees, and rules before contract. Buyer has 3 days to void after receipt.

Unlock free →
HOA Estoppel Certificate (FS 720.30851)Preparation

For properties in an HOA — confirms fees, violations, and special assessments.

Unlock free →
FAR/BAR As-Is Residential ContractContract

Florida's standard purchase contract. 'As-Is' version most common in FSBO transactions.

Unlock free →
Documentary Stamp Tax DeclarationClosing

FL charges $0.70 per $100 of sale price. Paid at closing — title company handles.

Unlock free →

Forms listed are for informational purposes. Requirements change — verify with a local real estate attorney before closing. ByOwnerHub.com is not a licensed broker or attorney.

Miami Transaction Forms

Miami Transaction Forms

Official transaction forms and disclosure documents for Miami FSBO sellers. All links go to official government and state association sources.

⚠️

Miami has high flood risk — 62% of Miami-Dade properties face severe flood risk over the next 30 years. Florida now requires a Flood Disclosure (FD-1) before contract execution. Be thorough and accurate — non-disclosure of known flood history is a major liability.

prepRequired

Lead Paint Disclosure (Pre-1978 Homes)

Required federally for all homes built before 1978.

Source: HUD / EPA

Download Form →
listingRequired

Seller's Real Property Disclosure (SPDR-4)

FL requires disclosure of all known facts that materially affect property value.

Source: Florida Realtors (SPDR-4)

Download Form →
listingRequired

Radon Gas Disclosure

Florida law requires sellers to disclose radon gas risk. Radon is present in all Florida counties.

Source: Florida Statute 404.056(5)

Download Form →
listing

Property Tax Disclosure Summary (FS 689.261)

Required for all non-homestead properties. Notifies buyer that property taxes may increase significantly after sale if seller had homestead exemption.

Source: Florida Statute 689.261

Download Form →
listingRequired

Flood Disclosure (FD-1/FD-2)

Required since Oct 2024 — seller must disclose flood insurance history, prior flood claims, and FEMA flood zone. Updated FD-2 form required as of Oct 2025.

Source: Florida Statute 689.302

Download Form →
listing

HOA Disclosure to Prospective Purchaser (FS 720.401)

If in an HOA, seller must provide a disclosure summary of the declaration, fees, and rules before contract. Buyer has 3 days to void after receipt.

Source: Florida Statute 720.401

Download Form →
prep

HOA Estoppel Certificate (FS 720.30851)

For properties in an HOA — confirms fees, violations, and special assessments.

Source: HOA (request from association)

Download Form →
contractRequired

FAR/BAR As-Is Residential Contract

Florida's standard purchase contract. 'As-Is' version most common in FSBO transactions.

Source: Florida Realtors / Florida Bar (ASIS-7)

Download Form →
closingRequired

Documentary Stamp Tax Declaration

FL charges $0.70 per $100 of sale price. Paid at closing — title company handles.

Source: Florida Department of Revenue

Download Form →

All forms link to official government sources.

Seller Tools

Services for FSBO sellers. Affiliate disclosure. We may earn a commission if you click and make a purchase.

List on MLS & Photography

FlatFee.com

Flat fee MLS listing in all 50 states — get on Zillow, Realtor.com, and your local MLS for a one-time fee. No listing agent, no 3% commission.

List on MLS

We may earn a commission if you click and make a purchase.

Virtuance

Professional HDR real estate photography, floor plans, and virtual tours. Listings with pro photos sell 32% faster — book online, next-day availability in most markets.

Book a Photographer

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Legal Documents & Forms

Nolo

Plain-English legal guides and state-specific real estate forms trusted by DIY sellers since 1971. Best source for FSBO contract templates and disclosure explainers. 120-day cookie.

Get Legal Guides

We may earn a commission if you click and make a purchase.

LegalZoom

Attorney-reviewed real estate documents including deed preparation, purchase agreements, and closing document review. Flat-fee legal services, no surprise bills.

Get Legal Docs

We may earn a commission if you click and make a purchase.

US Legal Forms

State-specific real estate contracts, deeds, and purchase agreements — ready to download. The largest online library of state-specific legal forms.

Browse Forms

We may earn a commission if you click and make a purchase.

Inspection & Repairs

HomeAdvisor

Find vetted local home inspectors, contractors, and repair pros. Get competing quotes for pre-listing repairs and inspections — read verified reviews before booking.

We may earn a commission if you click and make a purchase.

Find Local Pros

Seller Resources

Tools & Services

Everything we'd use ourselves. Affiliate links — we earn a small commission at no cost to you.

1

Before You List

Get the home clean, show-ready, and priced right before it hits the market.

Home Inspection

A pre-listing inspection for ~$400 surfaces deal-killers before buyers find them. Worth every dollar.

Our pickInspectify

Book a certified home inspector online — fast scheduling, digital reports

Best for: Sellers who want a pre-listing inspection quickly and without hassle

The largest home inspector association. Search certified inspectors by zip code — all members pass standardized exams and carry E&O insurance.

Cleaning & Deep Clean

A spotless home photographs better and shows better. Book before photos, not the day of.

Get free quotes from vetted local cleaning and maid services. Book a pre-listing deep clean before photos and showings.

Best for: Sellers who need a professional clean before listing

Lawn & Curb Appeal

The exterior shot is the first image buyers see. Curb appeal affects clicks before they ever walk in.

Compare quotes from top-rated lawn and garden pros. Mowing, trimming, mulching, and landscaping to maximize curb appeal before listing.

Best for: Sellers looking to improve curb appeal before photos

Junk Removal

Decluttering is easier when someone else hauls it away. Book 1–2 weeks before staging.

Fast junk hauling and waste removal for decluttering before staging. Furniture, appliances, and general junk — compare local quotes.

Best for: Sellers who need to clear out furniture or junk before staging

Home Repairs & Improvements

Fix what needs fixing before the inspection surfaces it. A pre-listing repair is cheaper than a buyer credit.

Find top-rated contractors, handymen, and home service pros in your area. Useful for pre-listing repairs and improvements.

Best for: Any home repair or improvement need before listing

2

While Listed

Put your home on the MLS and manage the legal paperwork.

Legal Documents

If you need the contract templates but don't want to pay attorney rates for a basic form.

State-specific real estate contracts, deeds, and purchase agreements — ready to download.

Best for: Sellers who need ready-made legal forms

Also consider·Rocket Lawyer

Attorney-reviewed documents with e-sign. Covers purchase agreements, addenda, and disclosures.

3

Under Contract & Closing

From accepted offer to keys handed over.

Title & Closing

Title insurance protects you against ownership disputes. Shop it — rates vary more than you'd think.

Our pickDoma Title

Machine-intelligence title search closes 3x faster than traditional title. Flat-fee pricing, no surprise line items. Available in most US markets.

Best for: Sellers who want a fast, transparent closing

Moving & Storage

Book early. Movers fill up fast around closing dates.

Our pickMoving.com

Compare quotes from licensed movers in your area. Book early — good movers fill up around closing dates.

Best for: Sellers who want a full-service crew

Also consider·HireAHelper

Hire loading and unloading help by the hour — you supply the truck or rental.

Also consider·PODS Storage

Portable containers delivered to your door — store furniture off-site while you stage.

Compare free quotes from top-rated local moving companies. In-state, out-of-state, and specialty moves including piano.

Mortgage & Finance

If you're buying your next place, lock in pre-approval before you close.

Online mortgage lender — get pre-approved in minutes, no commission fees

Best for: Sellers buying their next home who want a fast, no-fee mortgage

We earn a small commission if you buy through these links, at no extra cost to you. Full disclosure.

AI Tool

Write Your MLS Listing Description

Describe your home. Get three polished, agent-quality listing descriptions in seconds — ready to paste into MLS, Zillow, and social media.

Your listing description appears here

Fill out the form and click Generate. You'll get three polished descriptions ready to paste — MLS, Zillow, and social media.

AI-generated. Review for accuracy before submitting to MLS. Free to use — no account required.

Want statewide info? Read the full Florida FSBO Guide →

Neighborhoods & Suburbs

Selling FSBO in a Miami suburb?

Each suburb page has the same free tools — tailored to local median prices and MLS coverage.

Questions Miami sellers actually ask

Have a question not covered here? Email us at byownerhubadmin@gmail.com.