Yes, you can sell a house as-is in Florida — but “as-is” does not mean “no disclosures.” Selling as-is means you won’t make repairs or offer repair credits. It does not remove your legal duty to disclose known problems. Here’s what Florida law actually requires, what the standard as-is contract does, and how to decide between listing as-is and selling directly to a cash buyer.
What does “as-is” mean in a Florida home sale?
Selling as-is means the buyer takes the property in its current condition, and the seller makes no repairs and offers no repair concessions. In practice, most Florida as-is sales use the Florida Realtors/Florida Bar “AS IS” Residential Contract for Sale and Purchase — the standard form used across the state. Under that contract, the buyer still gets an inspection period (often 15 days unless the parties change it) and can cancel for any reason during that window. So even in an “as-is” listing, a financed buyer can inspect, renegotiate, or walk away.
Do I still have to disclose problems if I sell as-is?
Yes. Under the Florida Supreme Court’s decision in Johnson v. Davis (1985), a seller of a residential home must disclose known facts that materially affect the property’s value and are not readily observable to the buyer. Selling “as-is” does not waive this duty. If you know the roof leaks, the AC is dead, or there’s been unpermitted work, you must say so — hiding a known material defect can expose you to a lawsuit even after closing.
Florida also has specific disclosure requirements that apply regardless of an as-is sale, including:
- Flood disclosure — since October 1, 2024, Florida law (Fla. Stat. § 689.302) requires sellers to give buyers a flood disclosure form covering flood damage claims and federal flood assistance received for the property.
- Radon gas — a statutory radon notice must appear in the contract (Fla. Stat. § 404.056).
- Lead-based paint — federal disclosure applies to homes built before 1978.
- Property tax disclosure — a summary telling buyers not to assume taxes will stay the same (Fla. Stat. § 689.261).
- HOA/condo disclosures — if the property is in an association, governing-document and fee disclosures apply.
The good news: honest disclosure and an as-is sale work fine together. You’re telling the buyer what you know; you’re just not fixing it.
Who buys houses as-is in Florida?
Three main groups:
- Cash home buyers and local investors — companies like ours that buy directly, skip financing and appraisal contingencies, and expect problems. This is the fastest path and the only one where the inspection typically can’t blow up the deal. See how our process works and how a direct sale compares to listing.
- Buyers using renovation or conventional loans — they can buy as-is listings, but their lender’s appraisal can still require certain repairs (especially for FHA/VA loans), which puts repair negotiations right back on the table.
- Flippers and landlords at auction or off-market — usually the lowest offers, often wholesale-assigned contracts.
How much less will I get selling as-is?
It depends on what the repairs would cost and who your buyer is. A well-maintained home listed as-is may sell near market value. A home needing a roof, AC, or structural work will see offers discounted by more than the repair cost, because buyers price in risk and hassle. When you get a cash offer — from us or anyone — compare it against your net from a traditional sale: expected price after inspection renegotiation, minus commissions (typically around 6%), seller closing costs, months of carrying costs (mortgage, taxes, insurance, utilities), and the repairs you’d end up making anyway. Our comparison page walks through that math line by line.
How fast can an as-is sale close in Florida?
A cash as-is sale can close in as little as 7 days once title work is clear, because there’s no loan underwriting, no appraisal, and no repair negotiation. A financed as-is purchase typically runs 30–45 days. A traditional listed sale in Central Florida — from listing to closing, including market time — commonly takes several months.
When does selling as-is make the most sense?
As-is sales fit situations where speed and certainty are worth more than squeezing out the last dollar:
- Inherited property you don’t want to renovate or manage from a distance — see our Florida probate guide
- Pre-foreclosure, where a fast sale can protect your equity — see the Florida foreclosure timeline
- Major repair burdens (roof, foundation, storm damage) you can’t or don’t want to fund
- Tenant-occupied or vacant properties that are hard to show
- Divorce or relocation deadlines where a firm closing date matters
How do I sell my Florida house as-is for cash?
With us, it’s three steps: tell us about the property (two minutes, form or phone), get a no-obligation cash offer — usually within 24 hours — and pick your closing date. No fees, no commissions, no repairs, and you can leave unwanted items behind. We buy houses as-is across Polk County, including Lakeland, Winter Haven, Bartow, and the surrounding communities.
Questions about your specific situation? Call us at (863) 229-3777 — you’ll talk to the owner, not a call center.
VetBuysHomes is a veteran-owned home buying company in Polk County, Florida. This article is general information, not legal advice — for legal questions about disclosures or your contract, consult a Florida real estate attorney.