Sell Your St. Pete Beach House on a Note.
Become the Bank.
Instead of one cash check, you carry the mortgage. We pay you monthly — principal plus interest — on terms you set. Use the calculator to see exactly what you'd earn.
Seller Finance Calculator
Simple by default, customizable when you need it
Balloon Payoff
Estimated Monthly Payment
$1,849
for 30 years (no balloon)
You Receive Today
$28,000
down payment at closing
Annual Income
$22,189
based on monthly payment
Interest You Earn
$414K
over 30 years
Final Payoff
$0
fully amortized
Projected Premium vs Cash Sale
+$413,671
Illustration only. Final numbers depend on negotiated terms and closing structure.
*Illustrative example only. Verify legal, tax, and lending implications with your advisor.
Want seller-finance terms tailored to your property?
6–10%
Typical Rate
Balloon Optional
Payoff Design
1st Lien
Note Security
Pinellas County Home Values Have Surged
St. Pete Beach properties have appreciated dramatically over the past decade. Long-term Pinellas homeowners sitting on large gains often find an installment sale dramatically reduces their annual tax bracket compared to a one-time cash-out.
St. Pete Beach is consistently ranked among the best beaches in the United States — a coveted address with Pass-a-Grille charm, historic Don CeSar resort, and Gulf views. But that beauty comes at an extraordinary insurance cost. Wind and flood insurance on St. Pete Beach properties can run $25,000–$50,000 per year, and the post-hurricane damage assessment from Helene and Milton added enormous repair costs to many properties. Some long-term owners have decided the paradise is no longer worth the financial burden.
The calculator above lets you model your specific St. Pete Beach property. Adjust the sale price, down payment, interest rate, and payoff plan until the numbers match your goals, then reach out and we'll structure the deal.
Why St. Pete Beach Sellers Carry the Note
Monthly Passive Income
We send principal + interest to you every month for the life of the note — far better yields than savings accounts or CDs.
Spread Your Capital Gains
IRS §453 lets you recognize gain proportional to each payment received — not all in year one. Ideal for long-term St. Pete Beach owners.
First-Position Security
Your note is secured by a recorded first-position mortgage on the St. Pete Beach property — same protection a bank holds.
You Set the Terms
Interest rate, down payment, balloon timeline — every number is negotiated around your financial goals, not ours.
The Tax Advantage Most St. Pete Beach Sellers Miss
Installment Sale — IRS §453
Sell for cash and the IRS taxes your entire capital gain in year one. Sell on an installment note and you only recognize gain proportional to each principal payment. Spread the gain over 5–10 years and you may stay in a lower bracket every year.
Depreciation Recapture for Rental Owners
If you've rented your St. Pete Beach property, years of depreciation deductions create a recapture tax of up to 25% ordinary income on sale. An installment sale spreads that recapture across multiple tax years instead of one enormous bill.
Always consult a CPA or tax attorney before structuring a seller-financed sale. Every situation differs based on your basis, depreciation history, and income level.
Seller Finance vs. Cash Sale
| Seller Finance | Cash Sale | |
|---|---|---|
| Monthly income | ✅ Yes | ❌ No |
| Spread capital gains | ✅ Yes | ❌ No |
| Earn interest | ✅ Yes | ❌ No |
| Higher net price | ✅ Often | ➖ Maybe |
| Bank fees & points | ✅ None | ✅ None |
| Agent commissions | ✅ None | ✅ None |
| Close in 7 days | ✅ Yes | ✅ Yes |
St. Pete Beach Seller Finance Questions
Do I need to own my St. Pete Beach home free and clear?
Not always, but it's simplest when there's no existing mortgage. If you have a loan, we discuss structures like a wrap-around mortgage. Most conventional loans have a due-on-sale clause, so we walk through the right approach for your specific situation.
What interest rate would I earn on a St. Pete Beach seller-financed note?
You set the rate. St. Pete Beach seller-financed notes typically carry 6%–10% annually — significantly outperforming savings accounts, CDs, or most bonds. Use the calculator above to model different rates in real time.
What if you stop making payments on my St. Pete Beach property?
Your note is secured by a first-position mortgage. If we ever default, you can foreclose — exactly like a bank — and take the property back, keeping all payments already received.
Can I sell my St. Pete Beach note later if I need a lump sum?
Yes. Seller-financed notes are a tradeable asset. Note buyers purchase them — typically at a small discount — if you need cash before the balloon comes due.
How does this help with capital gains on my St. Pete Beach property?
Under IRS §453 installment sale rules, you only recognize the proportional capital gain as you receive each principal payment. Spread over a 5–10 year balloon, you may stay in a lower tax bracket every year instead of one large tax bill.
Looking for a situation-specific structure?
Explore seller-finance guides for inherited properties, major repairs, landlord exits, and urgent sale timelines.
Ready to Structure a St. Pete Beach Deal?
Tell us about your St. Pete Beach property. We'll come back with a seller-financed offer built around the numbers from the calculator above.
Request Seller Finance Terms
Tell us your goals and we will structure options around your numbers.