Sell Your House Fast in Cudjoe Key, Florida.
Thinking about selling your place in Cudjoe Key? With homes sitting on the market for days on average, you might be looking for . We buy houses in Cudjoe Key without the usual fuss.
No repairs, no agents, no endless showings. Just a simple cash offer.
Get Your Fair Cash Offer Today
No repairs. No fees. No obligation.
Meet Max Cohen: Your Trusted Cudjoe Key Home Buyer
Hi, I'm Max Cohen. I'm not just a cash home buyer; I'm a Florida Licensed General Contractor. Here in Cudjoe Key, I understand the unique challenges properties face, from the constant salt air corrosion on metals and older HVAC systems to the ever-present threat of storm damage. I've been buying houses locally since 2014, and our team at FL Home Buyers has helped over 100 families navigate tricky situations.
Being a contractor means our offers are grounded in real renovation costs, not guesses. We can look at a home with hidden mold from past leaks or unpermitted additions and know exactly what it takes to fix it up. This expertise allows us to make you a strong, fair cash offer quickly, especially when you need to sell house fast for cash due to an inherited mess, a bad rental, or just too many repairs.
"Many sellers in Cudjoe Key are tired of dealing with showings and the uncertainty of a traditional listing, especially with older homes in constant battle against the elements. Our straightforward cash process offers a welcome alternative, giving them clarity and control."
Thinking of Listing with an Agent?
In Cudjoe Key, the median home price is around $850,000. If you list with a traditional agent, you're typically looking at 6% in commissions. That's a whopping $51,000 right off the top of your sale price. When we buy houses for cash, you skip those commissions entirely. It’s a significant saving, especially when every dollar counts.
The Real Cudjoe Key Problems We Solve
Storm Damage or Flood Worries
Living in Cudjoe Key means dealing with hurricane season. If your home in Cudjoe Gardens took a hit, or you're just worried about being in a FEMA Flood Zone VE, selling can feel impossible. Insurance claims can drag on for months, leaving you with a damaged house and endless stress. We buy homes with any level of storm or flood damage, letting you avoid the rebuilding headache.
See how we handle this →
Inherited Property & Probate
Inheriting a house in Cudjoe Key can be a blessing, but often it's a complicated burden, especially if it needs major repairs or is tied up in Monroe County probate court. Dealing with legal processes, distant family members, and an empty property can feel overwhelming. We offer a clear path out of probate or landlord drama, buying the house directly and simplifying the entire process for you.
See how we handle this →
Code Violations or Unpermitted Work
Local code enforcement in Monroe County can be strict, especially in areas like Cudjoe Key Shores where renovations are common. If your property has unpermitted dock or seawall repairs, or other code violations, you know the fines and demands can pile up. Selling a house with these issues to a traditional buyer is nearly impossible. We buy houses as-is, taking on all existing code problems, so you don't have to deal with county red tape.
See how we handle this →
Navigating the Cudjoe Key Market
Currently a Balanced Market in Cudjoe Key
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Tired of Waiting? Selling a house in Cudjoe Key can often take months, especially if it needs work or faces unique market challenges. Our cash process avoids the typical long waits for buyers and appraisals.
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Buyer Pickiness: With fluctuating interest rates, traditional buyers are often more particular about property condition, making it harder to sell as-is. We don't care about deferred maintenance; we buy homes in any condition.
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No Hidden Agendas: We offer a calm, numbers-first plan instead of more chaos. You get a clear cash offer, a transparent process, and a straightforward closing on your timeline.
When the traditional market just feels like too much, we offer **a no-pressure option when listing just feels like too much**.
How We Buy Houses in Cudjoe Key
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1
Tell Us About Your Cudjoe Key House
Start with a quick call or by filling out our online form. We just need some basic details about your Cudjoe Key property and your situation. Maybe you're facing foreclosure risk or dealing with a property with storm or flood damage; we're here to listen. This first step is simple and sets the stage for a smooth process.
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2
Simple Walkthrough & Clear Offer
We'll schedule a quick, no-pressure walkthrough – in person or virtually – at a time that works for you. Max, our licensed contractor, will assess the property. Because we buy houses for cash, we can give you a clear, written cash offer based on real numbers quickly, often within 24 hours. No repairs or cleaning needed on your part.
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3
Close on Your Schedule with a Florida Title Company
If our offer works for you, we close on your chosen date through a trusted Florida title company. We cover standard closing costs, and you get your cash quickly. Whether you need to sell fast due to job relocation or just need to downsize, we work on your timeline. It's a straightforward way to be done with the headache.
Florida Foreclosure Laws & Local Help in Cudjoe Key
If you're facing foreclosure in Cudjoe Key, it's good to know Florida is a judicial foreclosure state. This means the lender has to go through the courts, which usually takes around 150 to 200 days. While this process plays out, there's still time to act. Don't wait until the sheriff's sale.
The Monroe County Clerk of the Circuit Court handles these filings. We often work with sellers who are behind on payments and need a fast solution before things get too far along. We can typically close much faster than the foreclosure timeline, giving you a chance to protect your credit and move forward with cash in hand.
It’s important to understand your options, and getting a no-obligation cash offer is one of the quickest ways to see a clean exit from a stressful house situation.
Cost Comparison: Fixing vs. Selling As-Is in Cudjoe Key
Homes in Cudjoe Key are constantly exposed to salt air. Fixing up a property with severe salt air corrosion on metals and older HVAC systems can be a massive undertaking. Here’s a quick look at how the costs might add up:
| Issue | Estimated Repair Cost | Selling As-Is to FL Home Buyers |
|---|---|---|
| Significant Salt Air Corrosion (HVAC, fixtures) | $10,000 - $25,000 | Your Responsibility: $0 |
| Older Roof Damage / Leaks from Sun/Wind | $15,000 - $35,000 | Your Responsibility: $0 |
| Hidden Mold from Past Leaks / Humidity | $5,000 - $15,000+ | Your Responsibility: $0 |
| Unpermitted Dock/Seawall Repairs (Fines, Demo) | $8,000 - $20,000+ | Your Responsibility: $0 |
| Agent Commissions (6% on $850k) | $51,000 | Your Responsibility: $0 |
| Total Potential Savings | ~ $89,000 - $146,000+ | You keep more cash! |
These are estimates, but they show how selling as-is can save you a significant amount of time, money, and stress.
Serving Cudjoe Key and Beyond
We understand Cudjoe Key. From the quiet canals of Cudjoe Gardens to the homes around the Airfield or the laid-back vibe of Upper Cudjoe Key, we've walked these blocks. We know the unique aspects of living on the Keys – the ocean breezes, the afternoon traffic on US-1 when heading north for supplies, and the specific property challenges that come with coastal living.
Whether your property is near the iconic Square Grouper restaurant, tucked away in Cudjoe Key Shores, or needs serious attention after years of sun and salt, we're ready to make a fair cash offer. We're proud to be cash home buyers near me for local Cudjoe Key residents.
What Cudjoe Key Sellers Say
"Selling my Cudjoe Key rental with bad tenants was a nightmare. FL Home Buyers took it off my hands without a single showing or dealing with the lease. Max was professional and the numbers were exactly what he said they'd be. A real lifesaver for a tired landlord."
— Maria G., Cudjoe Key
"We inherited my father's old place in Upper Cudjoe Key, and it needed everything. With probate and family dynamics, we just wanted to be done. FL Home Buyers gave us a fair offer and closed quickly, taking all the burden off our shoulders. So grateful for their transparent process."
— David P., Out-of-State Owner
"Our family home had a lot of issues, including some unpermitted work from years ago. We thought it would be impossible to sell. Max and his team were honest, fair, and incredibly fast. It was such a relief to not worry about repairs or inspections. Highly recommend for anyone looking to sell a house quickly in Cudjoe Key."
— Carlos R., Cudjoe Key
Real Stories, Real Florida Deals
We've helped homeowners all over Florida. While Cudjoe Key has its unique charm, the underlying challenges often echo across the state.
Fort Myers: Flood Damaged Home
A quick close on a house impacted by water.
Cape Coral: Out-of-State Owner
Helping a distant owner manage an inherited property.
West Palm Beach: Code Violation Cleanup
Resolving long-standing code enforcement issues.
As seen on CBS12, FOX, ABC7, WFLX, and other local news outlets.
Your Cudjoe Key Cash Home Buying Questions, Answered.
Are cash home buyers legit in Cudjoe Key?
Yes, cash home buyers like us are legitimate in Cudjoe Key. We're a local Florida company, BBB A+ Accredited, and led by a Licensed General Contractor, Max Cohen. Our process involves clear offers and closings through reputable Florida title companies, ensuring everything is above board. We've helped over 100 sellers across Florida with straightforward, honest transactions.
How much do cash home buyers typically offer in Cudjoe Key?
Our offers in Cudjoe Key are based on your home’s "as-is" condition, current market values, and necessary repair costs. We aim for a fair price that reflects these factors, allowing you to sell without investing in renovations or dealing with agent fees. Each offer is transparent, outlining exactly how we arrived at the number, so you understand the value without any hidden deductions.
How fast can you sell a house as-is in Cudjoe Key?
We can typically close on a house in Cudjoe Key in roughly 7 to 60 days, depending on your specific needs and timeline. Since we buy with cash and no bank financing, we avoid common delays. If you need to sell quickly due to a job relocation or other urgent situation, we can often work to a very tight schedule.
Can you close in 2 weeks in Florida?
Yes, we often can close in as little as two weeks in Florida, including Cudjoe Key, if all necessary documentation is in order. Our cash buying process cuts out mortgage approvals and appraisals, speeding things up significantly. We work with local title companies to ensure a swift and secure transaction, letting you move on quickly.
Do you charge fees or cover closing costs?
When you sell your Cudjoe Key house to FL Home Buyers, you won't pay any agent commissions or hidden fees. We also typically cover standard closing costs. Our goal is to make the process as simple and cost-effective for you as possible, ensuring you get the full cash offer without unexpected deductions.
What documents do I need for a cash sale in Florida?
For a cash sale in Florida, you'll generally need your property deed, any outstanding mortgage statements, and valid identification. If the property is inherited, probate documents might be required. We'll guide you through the specifics and help you gather everything needed for a smooth closing with the title company.
What are the risks with ‘we buy houses’ companies, and how do I protect myself?
Some risks include lowball offers, hidden fees, or companies that can't actually close. To protect yourself, always work with a reputable, local company. Look for solid reviews, check their BBB accreditation (we're A+ Accredited here in Cudjoe Key, FL), and ensure they use a legitimate Florida title company for closing. FL Home Buyers operates with full transparency and integrity, backed by a licensed contractor.
Can I sell without repairs or inspections?
Absolutely. We buy houses in Cudjoe Key completely as-is. This means you don't have to worry about repairs, cleaning, or staging. You can skip inspections and the usual headaches of preparing a house for the market. We take on all the work, allowing you to sell your house fast and move on.
Can you buy a tenant-occupied house in Cudjoe Key?
Yes, we regularly buy tenant-occupied houses in Cudjoe Key. You don't need to worry about evicting tenants or handling lease agreements. We can take over the property with the existing tenants, providing a simple way for tired landlords to exit their investments without further hassle.
Can you buy an inherited or probate house in Cudjoe Key?
Definitely. Dealing with an inherited or probate property in Cudjoe Key can be complex, but we specialize in these situations. We can work with you and your legal team to navigate the probate process and close on the property efficiently, providing a straightforward way to resolve family assets without delay.
How do cash home buyers work?
Cash home buyers, like FL Home Buyers, work by offering to purchase your house directly for cash. This removes the need for bank financing, appraisals, and agent commissions. Our process is simple: you contact us, we do a quick walkthrough, provide a clear cash offer, and you choose your closing date with a trusted title company. It's designed for speed and convenience.
How do cash home buyers make money?
We make money by buying houses below market value, investing in necessary repairs and renovations, and then either selling the improved property or holding it as a rental. Our expertise as a licensed general contractor means we can accurately estimate renovation costs, allowing us to make fair offers while still having room for profit after the work is done. This model benefits sellers by offering a fast, as-is sale.
If I sell for cash in Florida, is it reported to the IRS or does capital gains tax apply?
Any real estate transaction, cash or not, is typically reported to the IRS through Form 1099-S by the closing agent. Whether capital gains tax applies depends on your specific financial situation, how long you've owned the property, and if it was your primary residence. We are not tax advisors, so it's always best to consult with a qualified CPA or tax professional for personalized advice regarding your tax obligations.
What if my Cudjoe Key property has unpermitted work?
Unpermitted work is common in many Florida homes, and it's a situation we handle regularly. When you sell to us, you don't need to worry about bringing anything up to code or getting permits squared away. We buy the property as-is, taking on the responsibility for any unpermitted additions or changes, which can be a huge relief for sellers.
Can I stay in my Cudjoe Key home after closing?
Yes, we often can arrange for you to stay in your Cudjoe Key home for a short period after closing, if you need a little extra time to move. This can be a huge help if you're coordinating a move out of state or just need a few weeks to finalize your plans. We're flexible and work to your schedule.