Chapter 04 · Sale
Florida Sale Process: 10 Steps
From listing to closing, here's how a Florida real estate sale unfolds.
Direct answer · 60-second summary
The 60-second version
- Listing and inspection (1–3 months)
- Offer and FAR/BAR signed (weeks 1–2)
- Buyer inspection and appraisal (weeks 2–4)
- Repair and concession negotiation
- Title search and insurance (weeks 3–6)
- Seller property disclosure (mandatory)
- HOA/COA estoppel letter
- Closing and fund transfer
- Deed recording
- Repatriate USD to CAD
Acronyms used in this guide
- FL — Florida
- F.S. — Florida Statutes
- FAR/BAR — Florida Realtors / Florida Bar
- HOA — Homeowners Association
- COA — Condominium Owners Association
Steps 1–5: listing to title
List property on MLS via licensed agent. Buyer makes offer; you sign FAR/BAR. Buyer inspects and orders appraisal. You complete seller property disclosure (F.S. §689.25). Title company searches county records at clerk's office.
Steps 6–8: title insurance and final agreement
Title insurance protects against future claims. For condos/HOA, obtain estoppel letter (fees, reserves). All contingencies removed. Titles approved.
Steps 9–10: closing and recording
You sign deed and documents. Funds transferred to title company. Deed recorded at clerk. Buyer receives title; you receive net proceeds. Funds repatriated via international wire USD to CAD.
Every figure, rate, threshold, and deadline in this guide is drawn from a verifiable primary source listed at the bottom of the page. The article is updated whenever the underlying rules change, with a fresh review date stamped at the top.
Sources and references
Disclaimer
This guide is for educational purpose only.
For concrete decisions, consult a licensed attorney.