Frontier Residences
Residence Sales, Settled Quietly
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Sell in Florida

Sell Your House Fast For Cash In Key West

Sell a Key West house fast for cash without listing it, in Old Town or New Town, avoiding commissions and a long island market season in Florida.

Prefer to talk first? Ring 401-219-4207 and ask for a figure on your address.

Old Town rooftops and the harbour across Key West

Frontier Residences sources houses in Key West privately for builders, so an owner of an Old Town conch house, a mid century New Town home or a condo near the waterfront can sell without funding island priced repairs, hosting a season of showings or carrying a seven figure property through the slowest luxury market in Florida. Call 401-219-4207, describe the roof, the elevation and any storm or water history candidly, and a written offer follows grounded in Monroe County closings. The firm takes selling homeowners only, and it works as a wholesaler sourcing island houses for builders, not as a builder and not as a brokerage.

Underneath each offer set out here run five commitments, and privacy comes before all of them: the sale is not advertised, no sign is planted and no photographs circulate. Closing lands inside 7 to 21 days when a deadline presses, or on a later date you pick when a mainland move needs sequencing. No commission is taken out of your proceeds, the offered terms charge you no seller closing costs, and the home passes in its existing state, with no repair list arising from inspection and no tradespeople for you to arrange.

What a private offer looks like

Two cards cover what selling this way actually involves, and what the arrangement can leave in your hands.

Selling to Frontier Residences

Sell without preparing the house for strangers

A recently completed house standing on a residential lotBought in its present condition
Close date7 to 21 days, or later when you need longer
Repairs and prepNone, the house passes over as it stands
ShowingsNone, no sign and no open days
PrivacyNothing about the sale is published
CommissionsNone charged to you
Seller closing costsNone under the terms we offer
The private figure

One figure, agreed before the clock starts

A direct purchase by Frontier Residences removes the commission and the seller closing costs, and it removes the carrying expense, insurance included, of an island house held through a four month marketing season.

Example sale price$1,165,000
Mortgage owed in the example$480,000
Commission a listed sale would take$64,075
Other listed sale deduction$8,155
Estimated net proceeds$612,770

Worked from the March 2026 Key West median, at a 5.5 percent commission. The full cost breakdown sits further down this page.

Seller experiences

What sellers say about the process

Three homeowners, in their own words, on selling without a listing.

Man in a navy polo shirt, garden and house behind him

I needed to sell my house quickly and didn’t want to deal with repairs or listing it. The entire process was straightforward, and the team kept me updated throughout. We closed on the date we agreed on. Highly recommend!

John Williams
Man in a light blue shirt on a porch

I spoke with a few companies before deciding to work with them. They gave me a fair offer, explained everything clearly, and never pressured me. The whole experience was much easier than I expected.

Alex Lintz
Older man with gray hair in a dark sweater, garden behind him

My property needed quite a bit of work, and I didn’t want to spend money fixing it up. They bought it as-is and handled the process professionally. No surprises, no unnecessary delays. I would definitely work with them again.

Mike Schwarzrock
The process

How it works in Key West

Three stages sit between a first conversation and money in hand. The route starts on the contact page or with a call to 401-219-4207.

1

One call starts the Key West file, and you spend it describing the house as it truly is

That first call records your district, elevation and flood zone position, roof and shutter condition, any storm history, and the completion date your onward plans genuinely require.

2

The team then builds the evidence, comparing the house against closed Key West sales, amounts builders and renovators have paid on the island for homes on usable lots, and renovated values with island construction spending taken back out

3

The offer then arrives in writing, the workings behind the figure shown in full

Settle inside 7 to 21 days where a relocation deadline presses, hold for a later date that suits a mainland move, or decline and keep the research free.

Start on the contact page

Ask for a private figure

Tell the team the address and the date you are working toward, and the reply carries a written figure with the local evidence underneath it, together with the completion terms set out in plain language.

Contact us for a figure

Talk it through first

Plenty of sellers ring before they have decided anything at all. The conversation costs nothing and carries no obligation, and it covers what a builder would likely pay for the lot and what the listed route would leave behind.

Contact the team
What is a Key West house worth once a builder prices the lot?
The honest answer comes from evidence around your own street, and the team will walk you through that evidence.
Ask for that figure

Selling to Frontier Residences:

  • A direct two party deal with no listing paperwork, no sign in the yard and no showing schedule running through your street
  • Completion within 7 to 21 days when a relocation date is fixed, or a slower timetable arranged deliberately around your next address
  • The home accepted exactly as it stands, ending contractor bids, cleanout hire and pre listing renovation programmes
  • Cash standing behind the agreement, removing buyer loan approval and appraisal risk from the transaction
  • No commissions deducted from your proceeds, and no seller closing costs applied under the terms offered
  • Privacy from first call to recording, with no portal photographs, no marketing campaign and no neighbourhood announcement
  • Flexibility following closing where a short documented holdover lets a Monroe County move run in sequence
  • Net proceeds committed in writing before any clock starts, so you plan around a figure instead of a projection

A traditional listing:

Key West is a buyer market on the primary frame, and time is the price of a listing here. Houzeo printed a median home price of 1,165,000 dollars for March 2026, with homes sitting on the market 126 days on average and 6.2 months of supply (Houzeo, 2026). Florida charges its documentary stamp tax on the deed, customarily on the seller, and the island's insurance and storm questions shape every negotiation, both covered below.

Request a private offer

Selling another Florida home, or just over the state line?

Monroe County and South Florida owners elsewhere in the programme can read the pages for Miami at the mainland end of the Overseas Highway. The coast continues north at Fort Lauderdale, the Broward County boating centre a drive up US 1 and Interstate 95.

See every city guide

More cities in Florida

Every guide in this programme is written for one city alone. These are the other Florida guides published on this site.

The detail behind a Key West sale

Steps to selling a house in Key West, Florida

  1. Budget the calendar from the printed pace, not from the postcard. One hundred twenty six average days in the Houzeo frame means a listed Key West sale should be planned as a five to six month project from launch to recording.
  2. Price against island closings in your own segment. Old Town historic homes, New Town houses and condos trade in separate markets that share one island, so the comparable set has to match your district and type.
  3. Put the known facts in writing early, covering water intrusion, roof and shutter condition and any storm history, because Florida's disclosure duty attaches to what you know and an as is contract does not erase it.
  4. Close through a title company or closing attorney, deliver the property tax disclosure summary, and record the deed with the Monroe County clerk of the circuit court.

Documents you need to sell a house in Florida

Florida has no broad statutory condition disclosure form, and the duty instead comes from Johnson v. Davis, the common law decision under which a Florida home seller must reveal material facts within their knowledge that a buyer cannot readily observe for themselves, and concealing one can create liability even where the contract says as is. One statutory piece does exist, at section 689.261, requiring a property tax disclosure summary at or before the contract, warning that a change of ownership can trigger reassessment and higher taxes. Trade association forms are the usual way Key West sellers document the duty, covering water intrusion, roof and structural problems, wood destroying organisms, sinkholes, environmental hazards and association obligations. Assemble the deed, the mortgage payoff statement, wind mitigation and elevation records where you hold them, and association documents for condo and townhouse sales. An estate sale adds the circuit court letters of administration.

Cost to sell a house in Key West, Florida

Florida charges documentary stamp tax on the deed at 0.70 dollars per 100 dollars of consideration, which is 0.70 percent, customarily paid by the seller; the higher Miami Dade rate does not reach Monroe County. The seller also customarily pays for the owner title policy in many Florida counties, subject to the contract. Commission outweighs both lines, spanning 58,250 to 69,900 dollars at 5 to 6 percent of the 1,165,000 dollar March median, and 64,075 dollars at the 5.5 percent midpoint (Houzeo, 2026).

Net proceeds = sale price minus mortgage payoff minus closing costs minus commissions minus repairs and concessions

Take a Key West house selling at the 1,165,000 dollar median while owing 480,000 dollars on its mortgage. Subtracting 64,075 dollars of commission at 5.5 percent and 8,155 dollars of documentary stamp tax at the statutory rate leaves estimated net proceeds of 612,770 dollars before tax advice.

Old Town street with conch houses and palms in Key West

Current market conditions in Key West

Median home price 1,165,000 dollars  |  Days on market 126 on average  |  Months of supply 6.2, a buyer market on this reading

Readings drawn from Houzeo, March 2026; Homes.com, trailing 12 months; Florida Realtors SunStats, September 2026.

MeasureReadingSource
Median home price, city1,165,000 dollarsHouzeo, March 2026
Days on market, city126 on averageHouzeo, March 2026
Months of supply, city6.2, a buyer market on this readingHouzeo, March 2026
Median sale price, trailing frame1,160,000 dollars, up 5 percent, median list 1,384,500 dollarsHomes.com, trailing 12 months
Pace and supply, trailing frame115 days on average, 8.50 months of supply, 398 homes soldHomes.com, trailing 12 months
Single family median, September month1,322,411 dollars on 20 closingsFlorida Realtors SunStats, September 2026
Condo and townhouse median, September month700,000 dollars on 9 closings, with 90 units of inventoryFlorida Realtors SunStats, September 2026

The primary frame is the Houzeo city set for March 2026: a 1,165,000 dollar median home price, homes sitting 126 days on average, 6.2 months of supply and an outright buyer market reading (Houzeo, 2026). Its header count of 35 tracked homes is a feed subset, flagged in the data file and never used as city inventory here.

Economic drivers in Key West

Old Town conch houses and historic cottages anchor the west end, New Town supplies mid century homes, and condos and townhouses fill the gaps.

Hurricanes and storm surge are the defining hazards on a low island, joined by tidal and king tide flooding and extreme wind exposure. Sellers who can document elevation, shutters and roof work answer the first questions island buyers ask.

What this means for sellers in Key West

Key West counted 25,240 residents in the July 1, 2024 Census estimate, the Monroe County seat at the end of the Overseas Highway and the southernmost city in the continental United States (U.S. Census Bureau, 2024). Its economy rests on tourism along Duval Street and the waterfront, Naval Air Station Key West, the port, fishing and diving trades, and second home demand from the mainland.

The second frame is the Homes.com trailing twelve month view, which printed a 1,160,000 dollar median sale price, up 5 percent, with a 115 day average pace, 8.50 months of supply, 398 sales and a 1,384,500 dollar median list price (Homes.com, 2026). A third frame from Florida Realtors SunStats for September 2026 splits the segments: a 1,322,411 dollar single family median on just 20 closings and a 700,000 dollar condo median on 9 (Florida Realtors, 2026). No verified ZIP level closing series was assembled for Key West, so no ZIP price table appears here.

Frequently asked questions

How long does a Key West house take to sell?
By Florida standards this is a slow market, and the published frames agree on that. Houzeo measured homes sitting 126 days on average for March 2026 with 6.2 months of supply, and the Homes.com trailing frame reads 115 days across a full year (Houzeo, 2026). A thin, expensive buyer pool explains the pace. A private completion through Frontier Residences runs 7 to 21 days, or lands on a later date you pick, without the four month exposure.
What closing costs face a Key West seller?
Commission carries the argument, about 64,075 dollars at the March median under a 5.5 percent assumption, with documentary stamp tax behind it at 0.70 percent, 8,155 dollars at this price and customarily a seller cost in Florida (Houzeo, 2026). The owner title policy is also commonly a seller charge by local custom, subject to the contract. Under a Frontier Residences purchase, the firm absorbs commission and seller closing costs, so test the offer by its agreed price against your mortgage payoff.
Do I need an attorney to close in Key West?
No, Florida closings are run by title companies or closing attorneys depending on local custom, with escrow held by the closing agent, and no rule forces a seller to hire counsel. The deed records with the Monroe County clerk of the circuit court once the stamp tax is paid. Lawyers earn their place on estates, title complications and association disputes, but a standard Key West sale, listed or direct, can finish at a title office.
What must a Florida seller disclose in Key West?
The Johnson v. Davis duty requires disclosure of known facts that materially affect value and are not readily observable, and concealing a known defect can create liability even in an as is contract. The one statutory form, under section 689.261, is a property tax summary warning that reassessment can raise taxes after a change of ownership. On the island the facts buyers weigh most are storm and water history, roof condition and any sinkhole or termite record, so state them in writing.
Can I sell a Key West house without an agent?
Yes, a Florida owner can sell without listing at all, and the closing agent process, the stamp tax and the county recording all run exactly as they would on a listed sale. What disappears is the four month marketing season and the commission funding it, worth roughly 64,075 dollars at the March median. Frontier Residences buys through that direct channel, testing the property against closed Monroe County sales, issuing a written offer with the workings visible and closing on the date you set.
How does Frontier Residences compare with listing or a We Buy Houses firm?
Listing in Key West reaches second home buyers and investors across the country, which suits a renovated Old Town house and taxes an ordinary property across the slowest season in this programme. Most We Buy Houses companies bid low enough that speed costs the seller a large slice of island value. Frontier Residences sources the house onward to builders, shows the Monroe County closing evidence beneath its figure and charges no commission, so compare all three routes on net proceeds and total calendar together.
Can I sell a Key West house as it stands?
Yes, with one Florida warning kept in view: an as is contract shifts repair responsibility to the buyer, but it does not erase the Johnson v. Davis duty to disclose known hidden defects, and hiding storm damage or water history can follow a seller after closing. Frontier Residences prices visible and disclosed condition into its first written offer and asks for no repair list, which is the clean way to sell an island house carrying deferred work.
What should Key West sellers know about hurricanes and insurance?
The island sits in the Atlantic hurricane corridor at very low elevation, so storm surge, wind and tidal flooding shape both physical risk and the cost of insuring any Key West house, and buyers price elevation certificates, roof age and shutter systems into every offer. Sellers who hold wind mitigation reports and elevation records give buyers and insurers confidence that registers in price, while unanswered storm questions invite steep discounts at this level.
Can I sell before a Florida foreclosure sale?
Yes, but build the plan around a court timetable measured in months. Florida foreclosure is judicial: the lender files in circuit court, the owner is served and can defend, and the sale happens by court ordered public auction through the clerk after judgment. That process is slower than a trustee sale state, which gives a private sale room to complete, provided it finishes before the auction date the court sets. Act on the first papers, not the judgment.
Can I sell an inherited house in Key West?
Yes, through the Monroe County circuit court probate process. A personal representative receives letters of administration and conveys estate real estate once the administration allows, and homestead property carries special constitutional protections that can restrict how it passes, so the file deserves early legal review. Expect the title insurer to require the letters before the sale can be insured. Frontier Residences can leave an offer standing for the whole of a Monroe County administration, however long the court file takes.
Does lead paint matter in Key West?
Yes, across Old Town. The historic district holds housing from the nineteenth and early twentieth centuries, well before the federal 1978 line, even though New Town stock is far younger. Houses built before 1978 carry the federal requirements: disclose the lead hazards you know of, hand over your reports, include the official pamphlet and allow a 10 day inspection window unless the buyer waives it in writing. A New Town house built in 1985 sits outside the requirement entirely.
Can I sell a Key West rental property with tenants in place?
Yes, tenanted homes sell in Key West, and a lease in force continues after a sale and binds the buyer. Florida Statute chapter 83, part II governs residential tenancies, deposits must be held in regulated accounts and accounted for, and leases, deposit records and estoppel information should be delivered at closing. On an island with a large long term rental market, occupancy shapes valuation rather than preventing a direct sale on your timetable.

Sources

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