We buy Pinellas County houses in any condition, with no repairs and no commissions, and we can put a written cash offer in your hands in 24 hours.
No obligation. No cost. Takes 60 seconds.
We are pulling the county records and comparable sales on your property now. Expect a call or text shortly with your cash offer.
Need us sooner? Call 813-537-5202.
ClearHomeOffer buys houses throughout Pinellas County for cash, in the condition they are in right now. Pinellas is a peninsula, bounded by the Gulf on one side and Tampa Bay on the other, and that geography controls everything about its housing. It is the most densely populated county in Florida, with essentially no vacant land left, so almost every transaction here is really about redevelopment or reuse rather than new ground.
St. Petersburg holds the oldest and largest housing stock, Clearwater is the county seat, and Largo, Pinellas Park, Dunedin, and Palm Harbor fill in the middle and the north end. Across all of them, flood zones, storm surge, insurance cost, and rebuild restrictions shape what a house is worth and whether a buyer can finance it at all. That is exactly where a cash purchase makes sense. You repair nothing, remove nothing, and pay no commission or fee. Call 813-537-5202 and tell us the address.
No repairs, no agents, no waiting on a buyer's mortgage to be approved.
Call 813-537-5202 or send the address through the form. It takes about a minute. We do not need photos, a walkthrough, or anything cleaned up first.
We review county records, recent comparable sales, and condition, then send a written no obligation offer, usually within 24 hours. We show you how we got the number.
Pick your closing date. We handle the title work and the paperwork through a reputable Central Florida title company, and you receive your funds by wire or check.
When repair costs approach roughly half the structure's value, the whole home generally must meet current elevation standards. That turns a repair into a rebuild. We buy the property as it stands rather than asking you to elevate it.
Older St. Petersburg homes routinely fail a camera inspection at the lateral. The fix means trenching or opening the slab, and it ends financed deals. We factor the replacement into our number and handle it after closing.
Units in Pinellas parks generally sit outside conventional financing, especially older ones on monthly lot rent. That limits you to cash buyers from the start, so selling directly saves months of failed contracts.
Between flood zones, wind exposure, and older roofs and panels, many Pinellas owners are priced out of coverage entirely. If insurance is the reason your sale collapsed, a cash buyer removes that requirement from the transaction.
Because Pinellas ran out of land decades ago, its housing is layered rather than spread out. St. Petersburg has the deepest stock, starting with 1920s bungalows and craftsman houses in the Old Northeast, Kenwood, and Roser Park, then postwar block homes filling the mid county neighborhoods through the 1950s and 1960s, and finally infill and redevelopment on top of both. The single most common problem in the older St. Petersburg housing is underground: cast iron sewer laterals and drain lines that have corroded and collapsed under the slab or the crawlspace. Camera inspections routinely find them broken, and the repair means opening floors or trenching the yard. Alongside that, owners find galvanized supply piping, original panels that carriers will not insure, terrazzo buried under later flooring, and jalousie windows that fail wind requirements.
Water is the other constant. Nearly the whole peninsula sits close to sea level, and large portions of it fall inside mapped flood zones and evacuation levels tied to storm surge. That drives two things. First, flood insurance cost, which for an older ground level house can rival or exceed the mortgage payment and is often what kills a financed sale. Second, the substantial improvement rule that comes with participation in the federal flood program. In most cases, when the cost of improvements or of repairing damage reaches roughly half of the structure's value, the entire home must be brought up to current flood elevation standards. For a modest older block house, that math means elevation or demolition rather than a simple repair, and a great many Pinellas owners reach that conclusion after a storm and decide to sell as-is rather than rebuild.
The county also has an unusually large mobile home and age restricted population. Parks throughout Largo, Pinellas Park, Clearwater, and the mid county corridor hold older units, many predating current wind standards, sitting on leased land with monthly lot rent, which puts them almost entirely outside conventional financing. Northern Pinellas, including Dunedin and Palm Harbor, adds 1970s and 1980s subdivisions where polybutylene piping, aging roofs, and original HVAC systems are all coming due. Layer on estates coming out of long ownership, condominium buildings facing structural reserve requirements, and coastal properties where insurance has become the deciding factor, and the pattern is clear. In Pinellas, the reason to sell in current condition is usually not neglect. It is that the cost of compliance has outrun the value of the improvement.
Clearwater. We buy throughout Pinellas County, including the cities listed below and the unincorporated areas between them.
Drag to roughly what your house is worth. These are the costs that come out of a seller's proceeds on an ordinary listing, before anyone talks about repairs. You pay none of them with us.
Estimates, not a quote. Florida seller-side costs run roughly 6.25 to 9 percent of the sale price all in, and these use the conservative middle of that range. Repairs a buyer's inspection turns up are not counted above, and they are usually the bigger number. Our cash offer is below full retail price, which is how we cover the repairs and the resale. If your house is in good shape and you can wait sixty to ninety days, listing with a good agent will usually net you more, and we will tell you so.
Four questions, about thirty seconds. You get an offer range and, more useful than that, what you would walk away with either way. No email required to see it.
The street address is enough. We use it to pull the county record.
Add the address and we can keep going.
Pick the closest one. Be honest, it only changes the repair number, and a rougher house is not a problem for us.
Heated living area. A rough number is fine, and your county property appraiser lists it for free.
Your best guess. Think about what renovated houses on your street sold for, not what yours would fetch today.
How the offer is built. We start from the after-repair value, which is what your Clearwater house would sell for once it is fully repaired and updated. We take 68 percent of that, then subtract what the repairs will actually cost. The remaining 32 percent covers our purchase costs, the holding costs while the house is being renovated, the resale costs on the back end, and our margin.
Your offer = (after-repair value × 68%) − repair costs
The repair figures we use. These are per square foot of heated living area, and they are the same numbers we use internally on Pinellas County houses before we ever see the property:
| Move-in ready | $6 per square foot |
| Light cosmetics | $18 per square foot |
| Needs real repairs | $38 per square foot |
| Major work needed | $65 per square foot |
What listing costs a seller in Florida. Seller-side costs here run about 6.25 to 9 percent of the sale price all in. The comparison on this page uses the conservative middle of that: 5.5 percent agent commission, about 2 percent in documentary stamps, owner's title policy, settlement and lien search fees, and 3 months of taxes, insurance, utilities and upkeep at 0.25 percent of value per month while the house sits on the market. That is roughly 8.25 percent of the sale price, and it comes out of the seller's proceeds. On top of that, a seller listing a house that needs work usually has to spend the repair money first, because an appraiser flags the roof and the air conditioning and an inspection report prices the rest.
What we take on instead.
The honest caveat. If your home is in good condition, you have equity, and you can wait sixty to ninety days, listing with a good agent will usually net you more money than we will. We say that here and on every page of this site because it is true. Our offer is built for sellers who would rather have a closing date they can count on, no repair spending, and no cost of their own, than squeeze out the last few percent.
This is an estimate, not an offer. It is built entirely from numbers you typed in. A real offer comes after we pull the county record and the recent comparable sales near your property, and it can land higher or lower than this.
We check your numbers against the county record and recent sales nearby, then send a written offer, usually within 24 hours. No obligation, and we do not sell your information to anyone.
Each city page covers the local housing stock and the problems specific to that market.
Each of these has its own guide covering how the process actually works in Pinellas County, what your options are, and when selling to a cash buyer does and does not make sense.
You inherited a house you never planned to own, in a city you may not live in, full of belongings and bills that keep...
Read the guide →
The estate is open, the house sits empty, and the bills keep coming while you wait on a court calendar you do not...
Read the guide →
The lender filed suit, a lis pendens is recorded against your Pinellas County house, and you need to know how much time...
Read the guide →
The daily fines keep running whether you fix the violation or not, and the lien attaches to the property, not just to...
Read the guide →
Neither of you wants to keep paying for a house you both moved out of, and neither of you trusts the other to manage a...
Read the guide →
The tenant stopped paying, stopped answering, or simply will not let anyone inside, and your rental has turned into a...
Read the guide →
Someone bought a tax certificate on your Pinellas County property, interest is compounding, and you need to understand...
Read the guide →
The house is packed floor to ceiling, you cannot even get an agent through the front door, and the cleanout quote alone...
Read the guide →
The house is damaged, the insurance process is moving slower than your bills, and you are not sure you want to manage a...
Read the guide →
You know the house needs work, you are not going to do it, and you want a straight answer about what it is worth...
Read the guide →
The owners of this St. Petersburg house had decided two things before they ever called us. They were not going to list it, and they were not going to pay a commission to sell it. The house itself was in decent shape, just dated. It needed a new roof and a new air conditioning system, which is a pairing that tends to stop a financed retail buyer cold, because the appraiser flags both and the inspection report prices them at more than most sellers are willing to spend on a house they are leaving.
Two things had to be cleared before anyone could close. There was a lien on the property that had to be resolved, and an open permit on the house that had never been closed out and had to be finalized with the building department. Neither of those is unusual and neither is something a homeowner should have to project manage while also trying to move. We handled both, and we absorbed the time they took.
The part that mattered most to these owners was not the price. It was having somewhere to go. We closed 14 days from the signed contract, let them stay in the house for 21 days after closing, and covered their moving costs. They paid no commission, made no repairs, and did not spend a dollar on the roof or the air conditioning.
The honest caveat is the same one on every page of this site. If your home is in good condition, you have equity, and you can wait sixty to ninety days, listing with a good agent will usually net you more money. These owners traded that for a closing date they could count on, two title problems solved for them, and three extra weeks in the house while they found their next one.
A cash offer is usually below full retail. What it buys you is certainty, speed, and no cost of your own. Here is the honest comparison.
| ClearHomeOffer | Traditional Agent | iBuyer | |
|---|---|---|---|
| Time to offer | 24 hours | Days to weeks | 3 to 5 days |
| Closing timeline | As fast as 7 days | 30 to 90 days | 14 to 60 days |
| Agent commissions | $0 | 5 to 6% of sale price | Varies |
| Repairs required | None, we buy as-is | Often required | Deducted from offer |
| Showings and open houses | Zero | Multiple required | One inspection |
| Financing contingency | None, all cash | Buyer financing risk | None |
| Who pays closing costs | We do | Typically the seller | Service fee 2 to 5% |
| Risk of the deal collapsing | Very low | Moderate | Low |
If your home is in good condition, you have equity, and you can wait 60 to 90 days, listing with a good agent will usually net you more money. We say that plainly because it is true. Our offer is built for sellers who value speed, certainty, and a zero cost, zero repair exit over squeezing out the last few percent.
Most closings here take about seven to fourteen days from acceptance. There is no lender, appraisal, or underwriting because we pay cash. Title work through the Pinellas County Clerk of the Circuit Court official records sets the pace, since liens, judgments, and probate filings appear there. If you need extra weeks for a move, a tenant, or an estate, we schedule the closing around your date.
The Pinellas County Property Appraiser at pcpao.gov shows year built, heated square footage, lot size, sales history, exemption status, and flood related property information. Assessed value is a tax figure, not a market price. Use the record to confirm the physical facts about your house, then compare our cash offer against what a listing would net after repairs, commissions, and carrying costs.
Communities in the federal flood program generally require that when improvements or damage repairs reach about half of a structure's value, the entire building be brought up to current flood elevation standards. For an older ground level Pinellas house, that usually means elevating or rebuilding rather than repairing. It is one of the most common reasons owners here sell in current condition instead.
Yes. We buy Pinellas properties with unrepaired surge and flood damage, gutted interiors, tarped roofs, and open insurance claims. Those houses are extremely hard to list because buyers cannot finance or insure them. Tell us about any claim proceeds you have already received so the contract accounts for them correctly at the closing table.
In most cases yes. Delinquent taxes owed to the Pinellas County Tax Collector, sold tax certificates, recorded judgments, association liens, and special assessments are generally paid from the sale proceeds at closing rather than upfront by you. The title company pulls the payoffs and every figure appears on your settlement statement before you sign anything.
We would rather you check our numbers than take our word for it. These are the official records for your property.
Confirm year built, square footage, lot size, exemption status, and flood related property details before comparing offers.
Search official records and court files for probate, foreclosure, liens, and judgments attached to the property.
Check delinquent property taxes, special assessments, and any sold tax certificates on the parcel.
Get a no-obligation cash offer in 24 hours. No repairs, no commissions, no showings. Close on the date you choose.