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Seller guides

Florida seller guides, with the official sources.

Rules that change what a Florida house is worth to a buyer, explained in plain English by Jake Arnold and the House Buying Solutions team. Every guide lists the statutes, agency pages and county sources behind it.

01

Storm and flood · October 5, 2026

Got a Substantial Damage Letter in Pinellas, Pasco, or Hillsborough? Your Options Explained

Got a substantial damage letter in Pinellas, Pasco or Hillsborough? See local thresholds, deadlines, how to appeal, ICC money and your options.

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02

Storm and flood · October 5, 2026

The FEMA 50% Rule in Florida, Explained With Real Repair Math

How Florida's FEMA 50% rule is calculated: structure-only value, which repair costs count, 49% vs 50% Tampa Bay thresholds, and worked examples.

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03

Condos · October 5, 2026

Florida Condo Milestone Inspections and Reserve Rules: A Seller's Guide

What Florida condo sellers need to know about milestone inspections, SIRS reserve study deadlines, buyer documents, estoppel fees and special assessments.

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04

Insurance · October 5, 2026

The Citizens Flood Insurance Rule for 2027: What Florida Sellers Should Know

Citizens requires flood insurance on most home policies with wind coverage, at any value from Jan. 1, 2027. See the schedule, exemptions and seller rules.

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05

Property taxes · October 6, 2026

Florida Amendment 3 (2026): What the Property Tax Measure Means When You Sell or Buy

Amendment 3 would raise Florida's homestead exemption and cut the non-homestead cap to 5%. What changes, each side's case, and what it means for a sale.

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Weighing a specific situation? See how a direct sale works for a house with a substantial damage letter, a condo with a special assessment, or a house you can't insure. Prefer monthly payments? Read about seller financing.