How to Sell Your Home Without a Realtor in Florida (2026)
Selling FSBO in Florida is one of the most straightforward states in the country — no attorney closing requirement, no transfer tax, and a seller-friendly legal environment. On a $600,000 Miami home, skipping the listing agent saves you approximately $24,000.
Is FSBO Legal in Florida?
Yes. Florida has no law requiring homeowners to use a real estate agent. Unlike Massachusetts, Florida also has no attorney closing requirement — a title company handles the closing. This makes Florida one of the easiest states in the US to sell FSBO.
Step 1: Florida Required Disclosures
Florida takes an unusual approach to disclosures — there is no single state-mandated form. Instead, Florida case law (Johnson v. Davis) requires sellers to disclose all known facts that materially affect property value and are not readily observable.
In practice, most sellers use the Florida Realtors Seller's Property Disclosure form, which covers:
Flood Disclosure (FD-1) — Required Since 2024
Florida now requires a separate flood disclosure before contract execution. You must disclose:This is particularly important in Miami, where flood risk is significant. Buyers will scrutinize this. Be thorough and accurate — non-disclosure of known flood history is a major liability.
Lead Paint (Pre-1978 Homes)
Federal requirement for all homes built before 1978.Radon
Florida requires radon disclosure language in all purchase contracts. No separate form — it's embedded in the standard contract.HOA/Condo Disclosure
If your property is in an HOA or condo association, Florida law requires full disclosure of fees, rules, pending assessments, and restrictions. You'll need an estoppel letter from the association before closing.Download all forms on our Disclosures page.
Step 2: Understand Miami's Market
Miami is currently a buyer's market — homes are sitting longer (averaging 99 days in Miami-Dade) and inventory is up significantly year-over-year. This means:
Step 3: List on Miami MLS
Miami's MLS is run by the Miami Association of Realtors. Flat fee MLS services list your home on the Miami MLS — and by extension Zillow, Realtor.com, and Trulia — for $99–$399.
You still offer a buyer's agent commission (typically 2–2.5%). On a $600K home at 2.5% that's $15,000 — still far less than the $36,000 you'd pay for a traditional 6% dual-agent deal.
Step 4: Closing in Florida
Florida uses title companies (not attorneys) to handle closings. A title company will:
Budget $1,500–$2,500 for title/closing costs, plus the doc stamp tax (~$4,200 on a $600K sale).
What FSBO Saves You in Miami
On a $600,000 Miami home at 6% commission:
At lower buyer's agent commissions (2%) savings approach $24,000.
Download your Florida disclosure forms and compare flat fee MLS services.