Divorce home sales in Duval County, Florida
We buy the marital home for cash, as-is, and the title company splits the proceeds at the table exactly the way your settlement agreement says. No listing, no showings between two households, no repair negotiation with someone you're divorcing.
Most people reach us at one of these three moments. Any of them is fine — earlier just gives you more options.
We're a cash buyer, not a brokerage. Nothing here is legal advice — take any offer to your attorney before you sign.
Yes. A Florida marital home can be sold at any point during a dissolution of marriage, as long as both spouses on the deed sign, or one spouse has authority granted by a court order or settlement agreement. Florida is an equitable-distribution state, so the house does not have to be split fifty-fifty — the proceeds are divided the way your agreement or final judgment directs, and the title company disburses each share separately at closing.
Selling to a cash buyer typically closes in 7 to 21 days with no repairs, no showings and no financing contingency, which matters when two people are living apart and carrying one mortgage. Listing on the open market in Duval County took a median of 28 days just to go under contract in July 2026, before a 30-to-45-day lender timeline on top of that.
One detail worth knowing early: a Florida tenancy by the entireties converts to a tenancy in common the moment the divorce is final. That changes what each of you can and can't do with the property, which is why the sale is usually cleanest either before the judgment or immediately after it, with the split spelled out in writing.
Median time to contract for a Duval County listing — before the buyer's lender even starts underwriting.
NEFAR, July 2026Typical cash close, or later if you want the closing to line up with a mediation or hearing date.
Our Duval County closingsDuval County median sale price, the baseline we start from before condition adjustments.
NEFAR, July 2026Every Florida divorce settlement resolves the marital home one of these ways. It's worth knowing all three before mediation, because the one your attorney recommends depends on numbers you may not have yet.
Option one
The spouse keeping the house refinances into their own name and pays the other their share of the equity.
Option two
The cleanest exit when neither of you can or wants to carry the house alone. The only real question is how you sell it.
Option three
You both stay on title with a deferred sale date, often tied to a child finishing high school.
Three steps, and you can pause at any of them. Most people go through this while the divorce is still open, with both attorneys copied on everything.
Address, rough condition, whether anyone is living there, and where the divorce currently stands. We pull the Duval County Property Appraiser record, the deed and any recorded liens ourselves — you don't have to gather documents.
About four minutesOne walkthrough, or a video call if one of you has already moved out. Then a written, itemised cash offer showing our repair estimate and how we reached the number. Send it to both attorneys. Have it checked against an agent's opinion of value. We expect that.
Within 24 hoursWe close at a licensed Northeast Florida title company and cover the closing costs. Both spouses sign, in person or remotely, and never have to be in the same room. The mortgage is paid off and each share is wired separately per your agreement.
As few as 7 daysA divorce sale rarely fails because of the market. It fails because of one of these — and every one of them is something we buy around rather than ask you to fix first.
Cooperating on showings with someone you're divorcing is unrealistic. We need one visit, at a time that works, and the house doesn't need cleaning or staging for it.
Neither of you is funding a new roof or an AC replacement mid-divorce. We price the house with the problems in it and handle the work after closing.
Two households, one payment, and it slipped. Jacksonville is tied for the highest foreclosure rate in the country, and we can close before a Certificate of Sale is filed — the point where the right to cure ends.
Orders don't wait for a final judgment. We close on the date your report-by requires, with one spouse signing remotely from a new duty station if needed.
An older roof or an open claim can leave a retail buyer unable to bind coverage, which kills their loan. We buy without a lender and without a binder, so it simply doesn't apply.
Code enforcement liens, contractor liens, an IRS lien, a judgment against one spouse. We find them in the title search and negotiate payoffs at closing instead of walking away.
A rental that was an investment together is now a liability. We buy tenant-occupied and take the lease as it stands, so neither of you has to serve notice.
We're used to it. Our contract goes to both counsel, nobody is pressured to sign quickly, and we'll re-issue if the settlement terms change mid-negotiation.
Negative equity doesn't automatically end the sale. We'll tell you honestly whether the numbers work, and if the answer is a short sale or something else, we'll say so.
Jacksonville is one of the largest Navy concentrations in the country. A military divorce here runs on orders, not on a listing calendar, and that changes what the sale has to accomplish.
An agent will usually get a higher gross price on a house in good condition. What that comparison leaves out is the time, the carrying cost of two households, and the cooperation a listing demands from two people who are separating.
| In a divorce | Selling to Jacksonville Buys Homes | Listing with an agent |
|---|---|---|
| Time to certainty | Written offer in 24 hours, close in 7–21 days | Median 28 days to contract in Duval, then 30–45 days of lender underwriting |
| Repairs and cleanout | None, and we take what's left behind | Inspection repairs get renegotiated, and someone has to fund them |
| Showings | One walkthrough, or a video call | Ongoing access, coordinated between two households |
| Commissions and fees | None, and we pay closing costs | Typically 5–6% plus seller closing costs |
| Risk of falling through | No lender, appraisal or insurance binder needed | Buyer financing, appraisal or insurability can collapse it late |
| Control of the closing date | Yours, including moving it to fit a hearing | Driven by the buyer's lender |
| Gross sale price | Below full retail — that's the trade for speed and certainty | Higher gross on a well-maintained, market-ready home |
If the house is in good condition, you have real equity, the two of you can still coordinate on access and nobody is under time pressure, list it. A well-presented home in Mandarin, San Marco or Avondale will very likely net more on the open market even after commission, and we'll tell you that on the phone rather than after you've signed something. Our offer earns its place when condition, timing, cooperation or a lien is the actual constraint — not when selling merely feels like a hassle.
Divorce home sales in Jacksonville run into a specific set of Florida rules. Knowing them before mediation is usually worth more than a slightly higher list price.
If one of you plans to refinance and keep the house, the lender needs a bindable insurance policy. Under Florida law a carrier can't decline coverage solely because a roof is under 15 years old, and at 15 years or more the homeowner has the right to an inspection, where five or more years of remaining useful life blocks an age-only decline. In practice, an aging roof on a 1960s Arlington or Westside block home is where buyouts stall. Get the roof age and any open claims on the table early.
Fla. Stat. § 627.7011Florida courts begin from the premise of an equal split of marital assets, then adjust for the factors the statute lists — contribution to the marriage, the interruption of a career, the intentional waste of marital assets, and the desirability of keeping the marital home for a dependent child. Non-marital contributions, like a down payment made before the marriage or an inheritance kept separate, are treated differently. This is why the proceeds split is a legal question, not a math question.
Fla. Stat. § 61.075The Jacksonville metro is tied for the highest foreclosure rate in the United States, at 0.31% of housing units in the first half of 2026, and Florida filings are up 33% year over year. Duval foreclosure sales run through the Clerk's online auction. Critically, the right to cure a Florida foreclosure ends when the Certificate of Sale is filed — there is no post-sale redemption period. If a joint mortgage slipped during a separation, the calendar matters more than the price.
Fla. Stat. § 45.0315 · ATTOM H1 2026If a Jacksonville property has an open code case, daily fines accrue and the recorded lien can attach to other property the owner holds in Duval County — not only the house you're selling. State law sets a baseline of up to $250 per day for a first violation and $500 for a repeat, and a municipality of Jacksonville's size may adopt higher amounts. If either of you has a code case running on the marital home, that number grows while you negotiate.
Fla. Stat. § 162.09Duval County sits in Florida's Fourth Judicial Circuit along with Clay and Nassau counties, with family cases heard at the Duval County Courthouse downtown. Deeds, mortgages, liens and lis pendens are recorded with the Duval County Clerk, and property records and homestead status sit with the Duval County Property Appraiser. We pull all of it before making an offer, which is how the surprises get found early rather than at the closing table.
Fourth Judicial Circuit of FloridaThe homestead exemption and the accumulated Save Our Homes assessment cap are tied to the property and to who lives there. Moving out, changing who claims the exemption, or transferring title can all affect the taxable value going forward, and porting an accrued cap to a next home has its own rules and deadlines. Ask your attorney or the Property Appraiser's office before either of you changes an exemption mid-case.
Fla. Stat. § 193.155We buy throughout Northeast Florida, from the Northside to the Beaches and across the river into Clay and St. Johns counties. If the marital home is in the metro, we want to make an offer on it.
32202 · 32204 · 32205 · 32206 · 32207 · 32208 · 32209 · 32210 · 32211 · 32216 · 32217 · 32218 · 32219 · 32220 · 32221 · 32222 · 32223 · 32224 · 32225 · 32226 · 32233 · 32244 · 32246 · 32250 · 32254 · 32256 · 32257 · 32258 · 32277
Don't see your neighborhood? Send the address through the form and we'll let you know within one business day.
Straight answers. If yours isn't here, call or send it through the form and we'll answer it without pitching you.
Not on your own, if you're both on the deed. Both owners have to sign at closing for clean title to pass. What you can do is get a court order in the dissolution case authorizing the sale, or have the sale written into your settlement agreement with the terms spelled out. Some people also use a partition action as the lever. Talk to your attorney about which route fits, but it's worth having a real written offer in hand first, because a concrete number and closing date often resolves the disagreement faster than a motion does.
Not if both spouses agree and both sign. If you both consent, you can sell during the divorce without a specific order. Approval becomes necessary when one spouse won't cooperate, when a court has already entered an order restricting the disposition of marital assets, or when your settlement agreement conditions the sale on something. Because those situations are common, we always send the contract to both attorneys and let them confirm before anyone signs.
Seven to twenty-one days once the contract is signed, with the timeline set mostly by the title search and any liens that need clearing. Because we don't use a lender, there's no underwriting, no appraisal contingency and no insurance binder to obtain. Just as often, people ask us to slow down rather than speed up. We'll hold a closing date to line up with a mediation, a hearing or a PCS report date at no cost.
The title company follows written instructions. The mortgage and any liens are paid off first, then the remaining proceeds are disbursed according to your settlement agreement or the final judgment, commonly as two separate wires so neither of you has to hand money to the other. If the split hasn't been decided yet, the funds can be held in the attorney's or title company's escrow until it is. Give the closer the written terms in advance and this part is uneventful.
Yes. The deed determines who has to sign to transfer ownership; the mortgage determines who owes the debt. If you're on the deed, you sign at closing. If you're on the mortgage but not the deed, you remain liable for that loan until it's paid off, which is exactly why selling, rather than a handshake agreement that one spouse takes over the payments, is often the only thing that actually ends the exposure. A quitclaim deed transfers ownership but does nothing to your name on the loan.
A partition is a lawsuit asking a court to divide jointly owned property, usually by ordering it sold and splitting the proceeds. In a divorce it's a fallback for when co-owners deadlock, and it comes up most often after the judgment, when a deferred-sale arrangement stops working. It's slow and it costs money on both sides. It's also the reason a written cash offer is useful early: agreeing on a number voluntarily is nearly always cheaper than having a judge impose one.
It changes the deadline, not the process. We close on the date the orders require, and a spouse who has already reported to a new duty station can sign remotely through a power of attorney or a remote online notarization. If there's a VA loan on the house, closing and paying it off is generally what restores the entitlement for the next duty station, whereas a deferred sale leaves it tied up. For how service affects the division of marital property itself, see a JAG legal assistance office or a Florida family law attorney.
Sell it with the roof on it. We price the property in its current condition, we don't ask either of you to fund repairs, and we don't renegotiate after an inspection the way a retail buyer does. This is also the most common reason a buyout collapses: the spouse keeping the house can't bind homeowners insurance on an aging roof, so the refinance never funds. If a buyout is your plan, check the roof age and any open claims before mediation, not after.
Then a cash sale may not be the answer, and we'll say so rather than waste your time. Once we've pulled the payoff and the recorded liens we'll show you the actual numbers. Depending on the gap, the realistic paths are bringing money to closing, a short sale negotiated with the lender, or a loss mitigation option through the servicer. If foreclosure has already been filed, the timing matters a great deal, because the right to cure ends when the Certificate of Sale is filed.
Quite possibly. If the house is in good shape, you have real equity, the two of you can coordinate on access and no one is under a deadline, listing will usually net more even after a 5–6% commission. Our offer earns its place when the constraint is condition, speed, cooperation, a lien or a court date. Get our number in writing, get a listing agent's opinion of value, put both in front of your attorneys and choose with the numbers side by side. We'd rather be the honest second option than the wrong first one.
A written, itemised offer costs you nothing and commits you to nothing. Most people use it as a data point in mediation whether or not they end up selling to us. Send the address and you'll have it within one business day.
No obligation. No commission. We don't list your property and we don't sell your information.