So You Wanna Sell Your House in Florida Without a Realtor?
By: Robert Urban- FSBO Success Story, Organizer of List, Link Giver for Documents
You’re bold. You’re independent. Maybe you read a previous blog or watched a video on social media, binge-read a couple FSBO success stories, and now you’re ready to tackle the Florida housing market solo– maximizing your house sale’s profit. Good for you. But before you go putting a “For Sale By Owner” (FSBO- in common parlance) sign in your yard and practicing your open house wave like you’re running for local office, let’s talk documents.
Yes, paperwork. Mountains of it. Because in Florida, skipping the realtor doesn’t mean skipping the rules. In fact, it means you’re the boss now-and the HR department, the legal team, the marketer, and sometimes even the one who fixes the leaky faucet before showing the house.
Sure, selling a house in Florida without a realtor isn’t rocket science… but it is a paperwork parade.
Depending on where you live-city, county, or even HOA-there could be extra forms, disclosures, or regulations tossed into the mix like confetti at a bureaucratic birthday party. You’ll need to be incredibly organized. I mean color-coded-folder, sticky-note, spreadsheet-loving organized. That’s how I did it. My hand is still cramped and it has been a couple years.
But if that sounds exhausting, let me tell you a secret weapon: HOYONOW.com.
This platform doesn’t just give you access to every single document you need to legally and smoothly sell your house FSBO-style in Florida-it also handles the heavy lifting:
✔️ Documents are auto-filled and signed
✔️ Buyer/seller signatures are tracked and stored
✔️ Every step is stored securely online
No more rifling through folders labeled “IMPORTANT!!” trying to find that one paper you swear you put somewhere safe. HOYONOW keeps it all in one place-organized, trackable, and stress-free. That’s why using a tool like HOYONOW.com is such a game-changer: it keeps everything in one place, tracks all signatures, and makes you look like the most organized human on the planet (even if your junk drawer says otherwise.)
Now, for those who still want to see the whole FSBO checklist the old-fashioned way (because hey, knowledge is power, right?), here’s the ultimate rundown of every document you’ll need-and where to get them.
📄 Ultimate FSBO Document Checklist for Selling a Home in Florida
1. Florida “As Is” Residential Contract for Sale and Purchase
The official contract between buyer and seller. It outlines the price, terms, inspections, contingencies, and more.
🔗 Download from Florida Realtors (Form ASIS-5x)
2. Seller’s Property Disclosure Form
Required by law in Florida. You must disclose any known issues that could affect the property’s value.
🔗 Florida Seller Disclosure Form (PDF)
3. Lead-Based Paint Disclosure (Required for homes built before 1978)
This is a federal requirement. No skipping this one. Also, if you have a “historic home” or live near environmental protected area there are other requirements
🔗 EPA Lead Disclosure Info + Brochure
4. Closing Disclosure or HUD-1 Settlement Statement
Outlines who pays what and where the money’s going. Typically provided by the title company or closing agent.
🔗 Sample HUD-1 Form (PDF)
5. Deed (Warranty or Quitclaim)
This legal document officially transfers ownership. Must be recorded with the county.
🔗 Florida Warranty Deed Template (Example)
📌 Note: It’s best to have this drafted by a real estate attorney or title company.
6. FSBO Contract Addenda (if applicable)
These are additional clauses that might be added to your main contract (financing, contingencies, inspection repairs, etc.).
🔗 Florida Realtors Forms Library (Membership May Be Required)
7. HOA Disclosure (if applicable)
Florida law requires a specific disclosure if your property is governed by a homeowners’ association. Must be given before contract execution. Note: Many HOAs now include cable and/or internet services- look into it as might save you some money when budgeting what you can afford.
🔗 Florida Statute Reference – Chapter 720
8. Municipal Lien Search or Utility Estoppel (Highly recommended)
Checks for unpaid utility balances, permits, or code violations. Often ordered through your title company or municipality. (The estoppel process is useful in ensuring clean title, property transactions. Since outstanding utility balances can constitute a lien on a property under Florida law, the estoppel process helps relevant parties, such as title companies, discover whether or not an outstanding utility balance or lien exists on a property. – I don’t get how you can owe on a new house for what the old owner did, but dems da rules. )
🔗 No universal form – you will need to ask your local city or county clerk/title company.
9. Bill of Sale (for personal property included)
Used to transfer ownership of items like furniture, appliances, or that lovely tiki bar.
🔗 Free Florida Bill of Sale Template (PDF)
10. Affidavit of Title
A sworn statement confirming you legally own the property and there are no undisclosed issues.
📌 Usually prepared by your closing attorney or title company.
BONUS: Other City/County-Specific Forms
Depending on where you live (looking at you, Volusia? Seminole, Orange, Lake, Hillsborough…), you might have extra forms such as:
- Water/sewer lien certificates
- Flood zone disclosures
- Pest/termite reports
- Local inspection certificates
- Well/septic system inspections
🔗 Check your county website or use HOYONOW.com to see which ones are required based on your address.
✅ Ready to Sell Without the Stress?
You can go the DIY route if you’re hyper-organized, have lots of time, and don’t mind researching local code. But if you want to make the FSBO process fast, legal, and smooth- HOYONOW.com gives you every tool, form, and digital signature you need to sell like a pro.
Good luck on your sale. I am rooting for you!
Robert Urban