One county, many different sales
Orange County has about a dozen cities and towns, but a large share of its residents live in unincorporated areas such as Pine Hills, Conway, Azalea Park, and Dr. Phillips. Many of those homes carry an Orlando mailing address even though Orange County, not the city, handles their permits and code enforcement. Knowing which government is responsible matters when there is an open permit or a code case.
Our team has been buying as-is properties for more than 10 years. We look at the house, the lot, the permit record, and the flood zone together, because a 1920s bungalow in College Park and a townhome in Horizon West have almost nothing in common beyond the county line.
Housing eras you find across Orange County
- Early 20th-century wood-frame bungalows and cottages around Orlando's older lakes and in the original downtowns of Winter Park, Winter Garden, and Apopka
- Postwar concrete block ranch houses, built from the 1950s into the 1970s and common in Pine Hills, Azalea Park, and the ring of neighborhoods around downtown Orlando
- Subdivisions from the 1980s and 1990s, many now due for roofs, water heaters, and air conditioning
- Garden-style condo complexes, including apartment buildings converted to condos during the mid-2000s
- Master-planned communities from the 2000s onward, such as Horizon West and Lake Nona, where HOA dues and CDD assessments are part of the carrying cost
- Rural acreage, nursery land, and manufactured homes toward the county's northwest and east ends
Lakes, rain, and the storms behind flood risk here
Orange County is full of lakes and low-lying basins, and heavy rain, not storm surge, is what floods most homes here. Hurricane Ian brought a long, heavy rain in September 2022, and the unincorporated Orlo Vista neighborhood west of downtown Orlando flooded so badly that residents were rescued by boat. Two years later, Hurricane Milton brought another round of wind and water damage. Many long-time owners also remember Hurricane Charley crossing the county in 2004.
If your home took on water, keep in mind that Florida sellers now have to tell buyers about prior flood insurance claims and any FEMA or other federal flood help the property received. In a flood zone, FEMA's 50 percent rule can also limit how much a damaged house can be repaired before it must be brought up to current floodplain standards. We buy flood-damaged homes in their current state, and you do not need to finish repairs first.
Why Orange County owners reach out
- A parent's house that has been in the family since it was built, now in probate or held in a trust
- A rental that has become more work than it pays
- An older roof or electrical panel that makes the house hard to insure
- CDD and HOA costs on a newer home that no longer fit the budget
- Code enforcement fines that have turned into a lien
- A job change or a move out of Central Florida
Courts, taxes, and the paperwork behind a sale
Probate and foreclosure cases in Orange County go through Florida's 9th Judicial Circuit in Orlando. With the case number, we can read the docket and write a contract around the court's schedule. The state's documentary stamp tax on a deed is 70 cents per $100 of the sale price, and the contract lists who pays each cost.
The sale itself has few steps. We review the property, walk it with you or your representative, and put an offer in writing with the reasoning attached. A title company checks the title and any liens, pays off what is owed at closing, and sends you the remainder. Owners who live out of state can often sign through a mobile notary or a remote closing.
Frequently asked questions
Do you buy homes in unincorporated Orange County?
Yes. Pine Hills, Conway, Dr. Phillips, and other unincorporated areas are all part of our review area. Part of our review is confirming which government, county or city, covers your address.
Can you buy a home that took on water in Ian or Milton?
Yes. Tell us what happened, whether there was an insurance or FEMA claim, and what has been repaired. We make the offer on the house as it is today.
Do you buy homes with CDD assessments?
Yes. We look at the CDD and HOA amounts on the tax bill and in the association records and account for them in the offer.
Is there any obligation once I get an offer?
No. You can accept it, compare it with listing the home, or walk away.