Owner Financing - Florida Real Estate - 3368 Homes For Sale

3,368 results

5208 Secretariat Run, Spring Hill, FL 34609
CHARLES RUTENBERG REALTY INC
$590,000
5 bds
3 ba
2,758 sqft

- House for sale
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20 Oakwood Ct, Palm Harbor, FL 34683
MELENDY REAL ESTATE
$689,000
4 bds
2 ba
2,205 sqft

- House for sale
Open: Sun 12-2pm
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210 SE 1st St, Dania Beach, FL 33004
HOLLYWOOD BEACH REALTY INC
$800,000
4 bds
3 ba
2,316 sqft

- Coming soon
On Market Aug 22
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Immobilienmakler, Schweinfurt, Haßberge | Sparkasse Schweinfurt-Haßberge
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233 Loeb Ave, Key Largo, FL 33037
AMERICAN CARIBBEAN REAL ESTATE, CHRISTIE'S INTERNATIONAL REAL ESTATE
$895,000
3 bds
2 ba
1,595 sqft

- New construction
5 days on Zillow
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15 Sandusky Cir, South Daytona, FL 32119
RE/MAX SIGNATURE
$699,500
3 bds
2 ba
2,106 sqft

- House for sale
Price cut: $30,000 (Aug 02)
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210 NW 13th St, Cape Coral, FL 33993
305 INTERNATIONAL REALTY, LLC.
$474,500
4 bds
3 ba
1,931 sqft

- New construction
Price cut: $5,400 (Aug 07)
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4108 S Ocean Blvd, Highland Beach, FL 33487
REALTY STANDARD INC
$4,499,000
5 bds
5 ba
4,232 sqft

- House for sale
Price increase: $4,000 (Aug 05)
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727 NW 13th Ave, Ocala, FL 34475
ALL FLORIDA HOMES REALTY LLC
$159,000
3 bds
2 ba
1,152 sqft

- House for sale
9 days on Zillow
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4125 Magnolia Beach Rd, Panama City Beach, FL 32408
$317,000
3 bds
2 ba
1,608 sqft

- Townhouse for sale
4 days on Zillow
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IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.
All listings featuring the BMLS logo are provided by Beaches MLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright 2024 Beaches Multiple Listing Service, Inc. Information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.
IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. Member number: 28189
IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.Information is deemed reliable but not guaranteed.
IDX information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by the MLS.
MLS Internet Data Exchange (IDX) information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that the data is deemed reliable but is not guaranteed accurate by the Florida Keys Board of Realtors.
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Owner Financing - Florida Real Estate - 3368 Homes For Sale | Zillow (2024)

FAQs

How does owner financing work in Florida? ›

In owner financing, the buyer and seller enter into an agreement where the buyer agrees to pay the property's purchase price in installments over a specified period. The buyer makes a down payment to the seller and then makes regular monthly payments, similar to a traditional mortgage.

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Does seller financing make sense? ›

Seller Financing Advantages For Sellers

Can produce significant capital gains tax savings over time. Faster time to reach a sale, and ability to sell your property as-is without the need for repairs. Released from property tax, homeowners insurance and various maintenance expenses.

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What does seller financing usually look like? ›

The simplest arrangements are typically all-inclusive, meaning that the seller extends the loan for the full purchase price, minus any down payment. This arrangement is perhaps closest to a conventional mortgage, except in this case the seller — rather than a financial institution — is acting directly as the lender.

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What is one advantage for buyers of using seller financing? ›

Instead, the homeowner (seller) finances the purchase, often at an interest rate higher than current mortgage rates and with a balloon payment due after at least five years. This can simplify the process of buying and selling a home by eliminating the need for a lender, appraisal and inspection.

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What are the disadvantages of owner financing? ›

The big downside: The terms for borrowing the funds might be less advantageous than for a mortgage. And your taking title to the property and building equity in it could be delayed.

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Who pays property taxes on owner financing in Florida? ›

It's important to note that while the buyer is responsible for making property tax payments, the seller may still face certain tax implications related to the interest income received from the financing arrangement.

How are seller notes paid? ›

The buyer can request a seller's note, make a sizeable “down payment” in good faith, and then pay the rest off in set intervals, typically monthly. If the buyer has secured debt financing from a bank, the seller note takes a subordinate position to the banknote.

Is owner financing a good idea for sellers? ›

For sellers, owner financing provides a faster way to close because buyers can skip the lengthy mortgage process. Another perk for sellers is that they may be able to sell the home as-is, which allows them to pocket more money from the sale.

Who holds the deed in owner financing in Florida? ›

Land Contracts, also known as Contracts For Deed, do not immediately transfer legal title to the buyer, who instead receives an equitable title. The seller will deliver the Deed conveying fee simple title to the buyer after the final payment is made toward the owner financed mortgage.

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How does owner financing affect taxes? ›

IRS Rules on Owner Financing (Installment Sale)

So, the interest you receive each month would be taxed as ordinary income. Additionally, if the property was depreciable while you owned it, you may need to recapture some of the depreciation.

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Why would someone offer owner financing? ›

A seller might utilize owner financing because they're looking to earn investment income or because they want to sell their home as-is without having to go through the traditional lending and appraisals processes.

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What are the IRS rules on owner financing a business? ›

IRS Rules on Owner Financing (Installment Sale)

The IRS rules on seller financing also require that sellers report any interest received as ordinary income. So, the interest you receive each month would be taxed as ordinary income.

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Is seller financing legal in Florida? ›

In Florida, seller-financed transactions must comply with state and federal regulations, including the Dodd-Frank Act. It's important for both parties to understand the legal requirements and to work with professionals to structure the deal.