Land anywhere in Florida

We buy land in Florida, on your terms.

Vacant lots, acreage, rural land, land with a mobile home, inherited land and land with back taxes. We show you cash, owner financing and a 1% listing side by side, in writing.

Plenty of Florida land sits unused for years. A lot bought by mail in the 1960s, five acres left to three children, an empty mobile home at the back of a parcel. The tax bill keeps coming, and sometimes code letters do too.

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Mobile home on its own land in Florida under oak trees
Florida land with a mobile home on it
Lots to acreageSmall infill lots up to rural tracts
Any conditionOvergrown, landlocked, wet or behind on taxes
Licensed title companiesEvery closing goes through one
No cost to askNo obligation, no pressure

How we help with land

Your land, your timeline, your call.

Florida pre-platted lots, 1999 study
2.1 million
Subdivision lots across 1.6 million acres of Florida
118,250Platted lots in Port Charlotte
135,000Lots platted in Lehigh Acres

HOMKEYS buys land all over Florida, from a single lot in an old subdivision to rural acreage with a well and a mobile home. We can buy for cash as is, buy on owner financing terms you set, or list it on the MLS for 1% through our licensed partner brokerage. Every closing runs through a licensed Florida title company.

Land is harder to price than a house. Two lots on one street can differ a lot because of wetlands, flood zone, access or septic. So we check the records and see the land first, and we tell you what any problem does to the price.

From our files

Land deals we are working on

Single-story Florida home on a large open lot
A Florida home on a large lot
Right now we are buying about 3.5 acres with a double wide mobile home near Spring Hill, in the Hernando and Pasco County area. Acreage with a home needs its own checks: the title, the well, the septic and the survey. In Polk County, we have a package of seller-financed homes in Lake Wales, so we know owner financing from the buyer’s side of the table too. Selling a lot near Lake Wales? See selling land in Polk County.

Real HOMKEYS situations. Names, addresses and prices left out to protect the sellers’ privacy.

What we buy

The kinds of Florida land we look at

01

Vacant and infill lots

A lot in a platted subdivision, or an empty lot between houses in town. If you pay taxes on a lot you will never use, we can make an offer.

02

Acreage and rural land

Pasture, woods, timber and farm parcels. Road frontage, wells, fencing and agricultural classification all affect the price.

03

Land with a mobile home

A single wide or double wide on its own land, lived in or empty. See our guide to selling a mobile home with land.

04

Inherited land

Land left by a parent or relative, sometimes with several heirs. Probate may come first. A Florida probate attorney can tell you which process fits.

05

Back taxes or liens

Unpaid taxes, code fines or mowing liens do not have to stop a sale. They are usually paid from your proceeds at closing.

06

Landlocked and hard parcels

No road access, wetlands or a lot too small to build on. We will look, and we will be straight with you: these take more work, and the offer reflects it.

Three ways to sell

Most land buyers give you one number. We show you all three.

Option 1

Cash sale, as is

Best for
Owners who want a firm closing date and no more tax bills
Trade-off
Price reflects access, permitting and resale risk
Option 2

Owner financing

Best for
Land that is paid off, when you want a higher price and monthly income
How
You set the price, down payment, interest rate and term. We pay you monthly, secured by a mortgage on the land. If the land has a loan, we can also buy subject to it.
Option 3

1% listing

Best for
Buildable land with road access and clean title, when you can wait
How
Listed on the MLS for a 1% listing fee through our licensed partner brokerage. Buyer agent pay is separate and negotiable.

Read more on the cash sale, the 1% listing, subject-to and comparing your options. Subject to qualification, property inspection, and transaction terms. HOMKEYS does not give legal or tax advice. Talk with a Florida attorney or tax professional about your situation.

Owner financing

Why owner financing is so common with land

Banks see raw land as a riskier loan than a house, so land loans usually carry higher rates and bigger down payments. With owner financing, you act as the lender, which usually means a higher price than cash, plus monthly income.

You choose the down payment, rate and term. The buyer signs a promissory note, and a mortgage on the land is recorded. Florida charges 35 cents per $100 in stamp tax on the note and 2 mills of intangible tax on the mortgage. Who pays them is negotiable.

An agreement for deed is treated like a mortgage under section 697.01, so a default can still mean foreclosure in court. Have a Florida real estate attorney draft the papers.

Sources: SoFi · Fox Business · Stamp and intangible tax · Fla. Stat. 697.01

Estimate

What would owner financing pay you?

A rough illustration. Put in your own price and terms. Nothing is sent anywhere.

Amount you financeSale price minus the down payment
$0
Monthly payment to youPrincipal and interest, equal payments over the term
$0
Total you collectDown payment plus every monthly payment
Enter a price to compare

Illustration only, not an offer. It leaves out taxes, closing costs and the risk of a buyer default. Subject to qualification, property inspection, and transaction terms.

Florida land knowledge

What Florida land sellers run into

01

Back taxes and tax deed sales

Florida property taxes go delinquent April 1, and the tax collector sells a tax certificate at an annual sale held on or after June 1. Two years after April 1 of the certificate’s year, the holder can apply for a tax deed and the land goes to auction. You can redeem until that sale. Selling first lets the title company pay the back taxes from your proceeds.

Source 1 · Source 2
02

Code enforcement and mowing liens

A Florida code board can fine up to $250 a day for a first violation and $500 for a repeat. A recorded fine order is a lien on the land, and after 3 months it can be foreclosed, except on a homestead. Some counties, like Lee, also mow overgrown lots and lien the unpaid cost.

Source 1 · Source 2
03

Old platted lots: GDC, Lehigh Acres and more

From the 1950s on, developers sold small Florida lots by mail on installment plans, often sight unseen. General Development Corporation built Port Charlotte, North Port, Port St. Lucie and Port Malabar in Palm Bay before its 1990 bankruptcy. Lehigh Acres, a separate project, platted about 135,000 lots. Studies found many of these lots without water or sewer, and some too small for a septic system.

Source 1 · Source 2 · Source 3
04

Wetlands and permits

Filling or building in wetlands needs permits. The state Environmental Resource Permit comes from the Department of Environmental Protection or a water management district. Federal dredge and fill permits are back with the U.S. Army Corps of Engineers after courts struck down Florida’s program, a ruling affirmed on appeal in March 2026.

Source 1 · Source 2
05

Flood zones

Check your parcel on FEMA’s flood maps. In zones A or V, a new home generally needs its lowest floor at or above the base flood elevation, which can mean fill or a raised foundation. A buyer who builds there with a loan from a federally regulated lender must also carry flood insurance.

Source 1 · Source 2 · Source 3
06

Road access, easements and surveys

Buyers ask how you reach the land. A path across a neighbor’s property with no recorded easement needs solving. Florida’s way of necessity law, section 704.01, can open a route for landlocked land used for a home, farming or timber, with a court setting what the neighbor is paid. A boundary survey shows the corners, encroachments and platted easements.

Source 1 · Source 2
07

Septic, perc tests and wells

What people call a perc test is, in Florida, a site evaluation: at least two soil profiles to 6 feet plus the wet season water table. Since July 1, 2023, new septic systems on lots of an acre or less in BMAP areas without sewer must be nutrient-reducing systems, which cost more. Wells are permitted through the water management districts.

Source 1 · Source 2 · Source 3
08

Zoning and future land use

Every Florida county and city has a comprehensive plan with a future land use map, and zoning has to fit it. Together they decide what your land allows: one home, several, a mobile home, farming or nothing. Check the zoning map with your parcel ID, or call the planning department, before you price land as buildable.

Source
09

Agricultural classification (greenbelt)

Land in good faith commercial farm use, like grazing, timber or crops, can be assessed on that use instead of market value. The owner files by March 1. Offering land for sale does not end it, but a buyer who keeps farming usually files their own application, and the classification ends when farming stops.

Source 1 · Source 2
10

Mobile home titles on land

Under section 319.261, an owner can retire a mobile home’s title by recording it with the county clerk, along with the legal description and a sworn statement, then filing form HSMV 82109. After that, the home sells by deed with the land. If the title was never retired, the home and land may transfer separately. See our mobile home with land guide.

Source 1 · Source 2

Florida land details

Dates, rates and rules for selling land

Statewide rules that come up when land sells. Confirm anything time-sensitive with your county office.

Taxes go delinquentApril 1Source ↗
Certificate interestBidding starts at 18% and goes down; certificates expire after 7 yearsSource ↗
Tax deed application2 years after April 1 of the certificate’s yearSource ↗
Deed stamps70 cents per $100 (Miami-Dade: 60 cents plus a surtax)Source ↗
Owner-financed note35 cents per $100 on the note, 2 mills on the mortgageSource ↗
Agricultural classificationFile with the property appraiser by March 1Source ↗

How it works

What we need to make an offer on your land

Send the parcel ID

Or the address and county. It is on your tax bill. Have a survey or deed? Send those too.

We check the records

Taxes, liens, flood zone, zoning, access and any mobile home title.

We see the land

In person, or by Zoom or video call if you prefer.

Options in writing

Cash, owner financing and a 1% listing, with your net on each. Close at a licensed title company on your date, 7 to 90 days out.

Real closings

Recent HOMKEYS closings in Florida

Each one closed at a licensed Florida title company. We show the city and month only, never the address, to protect the seller's privacy.

28 closings in 23 Florida cities and 17 counties since September 2024. See them on the map.

Questions

What Florida landowners ask us

Do you buy land with no road access?

We look at it. Landlocked land takes more work because a buyer needs a legal way in, which can mean a way of necessity claim in court and payment to the neighbor. We will tell you honestly what that does to the price. An attorney should handle the access question.

Can I sell Florida land with back property taxes?

Yes. Even after a tax certificate is sold, you keep the land until a tax deed sale and can redeem before it. If you sell first, the title company pays the back taxes from your proceeds at closing. If a tax deed application is already filed, move fast.

What do you need to make an offer on my land?

The parcel ID, or the address and county. The parcel ID is on your tax bill and the property appraiser’s website. We check the records, see the land in person or by video call, then put numbers in writing.

How does owner financing work when I sell land?

You set the price, down payment, interest rate and term. The buyer signs a note, a mortgage on the land is recorded, and you collect monthly payments. A Florida real estate attorney should draft the papers. Subject to qualification, property inspection, and transaction terms.

Can I sell an old GDC lot in Port Charlotte, North Port or Palm Bay?

Yes. Many were bought by mail decades ago and never built on. The value depends on paved roads, water and sewer, wetlands and flood zone. Send the parcel ID and we check those first.

Part of my land is wetland. Can I still sell it?

Yes. Wetlands limit where a buyer can build and may need state and federal permits, but upland areas may still be usable. We price the whole parcel, including the time and permits a buyer would face.

There is an old mobile home on my land. Does it sell with the land?

It can. If its title was retired under section 319.261, the home sells by deed with the land. If not, the home’s title and the land may transfer separately. A title company can handle either way.

How fast can you close, and what does it cost to ask?

Asking costs nothing and does not commit you. Closing is 7 to 90 days out, on your date, at a licensed Florida title company. On a cash sale, HOMKEYS pays the closing costs.

More help

Guides and areas for Florida landowners

Land by area: Polk County and Lake Wales, Lehigh Acres, Palm Bay and Marion County. Selling to a builder? See how a sale to a developer works.

Talking to other land buyers too? Read how to spot a bad buyer in Florida before you sign anything.

Ready to compare your three options? Start with the parcel.

About a minute. 4 short steps.

Dor Tzadok, CEO of HOMKEYS
Who you will talk toDor Tzadok, CEO, and the HOMKEYS team

Dor oversees every offer and closing. We explain every number before you decide anything.

Find out what your Florida land could do for you.

Send the parcel ID or address. We will come back with your options in writing.

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