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Who we are: Largo Home Buyers, a veteran owned company run by Doug and Matt. We have bought more than 25 houses in Pinellas County since 2020. Our office is at 1101 S. Belcher Road in Largo.
What we buy: single family houses in any condition anywhere in St. Petersburg. Flood damaged, gutted, inherited, hoarder, tenant occupied, behind on taxes, open permits. Also mobile homes when you own the land.
How fast: a written offer in 24 to 48 hours. Closing in as little as 7 days, or whenever you want it.
What it costs you: nothing. No commission, no fees, and we pay standard closing costs.
The catch: a cash offer is below retail. That is the trade for speed and certainty. If your house is in good shape and you can wait a few months, an agent will likely net you more, and we will tell you that on the phone.
Some houses stop being a home and start being a bill. That is usually what brings people to this page.
Maybe the water came in during Helene and the insurance check covered about a third of what the repairs actually cost. Maybe you inherited a block house near Disston Heights and you live in Ohio, and your brother in Atlanta has opinions about it. Maybe you have been a landlord since 2011 and the last tenant left a mess that costs more than four months of rent. Maybe the roof is 22 years old and your carrier just sent a non renewal notice.
The hard part is almost never finding a buyer. It is finding a buyer who will take the house exactly as it sits right now, with the roof it has, the pipes it has, and the stuff still in the garage. That is the real reason people look up how to sell my house fast for cash in St. Petersburg instead of calling an agent.
We are cash buyers. We look at the house, tell you what we can pay and how we got there, and let you decide. If the number is too low, say so and we part as friends. Nobody calls you for the next six months.
A lot of people still price their house off what their neighbor got in 2022. That market is gone, and it matters to your decision, so here is the honest picture.
Inventory in St. Petersburg is at the highest level in about ten years. Homes that used to go pending in under three weeks now sit for roughly six to ten weeks, depending on which data source you check. Most listings take at least one price cut before they sell, and buyers are asking for concessions again. Prices have softened a little from the 2024 peak, though not dramatically.
Two things are pushing all of this. Insurance premiums keep climbing, which shrinks what buyers can afford. And after the 2024 storms, a lot of owners decided they were done and listed at the same time.
Why this matters to you: listing is not the fast option it was three years ago. A house in good condition will still sell well, but a house that needs work now competes against a much bigger pile of choices. A cash sale trades price for a closing date you can actually count on.
Market figures move. These reflect mid 2026 conditions from public sources including Stellar MLS, Redfin, and Realtor.com. Ask us what we are seeing on your street this month.
A cash sale is the right answer some of the time, not most of the time. Here is the honest version.
If the house is in decent shape and you can wait two to three months, an agent will almost certainly get you more money than we can offer, even after the 5 to 6 percent commission. We will tell you this on the phone if it applies to you. Being straight with people costs us nothing and it is why we still get referrals from sellers we never bought from.
This works better than people expect, with one catch. Most retail buyers need a mortgage, and a lender needs the house to appraise and to be insurable. A house with an active leak, missing drywall from a flood, a roof past its insurable age, or open permits usually cannot clear that bar. If yours can, list it. If it cannot, you are looking at cash buyers whether you list or not.
You trade money for certainty and speed. Our offer is below retail because we take on the repairs, the permits, the holding costs, and the risk that the job runs over budget. What you get back is a closing date you choose, no showings, no inspection repair list, no appraisal, and no financing falling apart three days before closing.
Sometimes waiting is the smart move. Just count the real cost first. Pinellas property taxes, an insurance premium that goes up every renewal, utilities on an empty house, lawn service, and a vacant property that quietly gets worse every month it sits. Run those numbers for twelve months before you decide waiting is free.
| Selling to Largo Home Buyers | Listing with an agent | |
|---|---|---|
| Time to close | 7 days, or a date you pick | Roughly 6 to 10 weeks on market, plus 30 to 45 days to close |
| Commission | None | Typically 5 to 6 percent |
| Closing costs | We pay the standard costs | Usually 1 to 3 percent on the seller |
| Repairs | None. We buy it as it sits | Usually needed to list, plus an inspection repair list after |
| Cleaning and cleanout | Leave whatever you want behind | House must be empty and show ready |
| Showings | One walkthrough, one time | Open houses and showings for weeks |
| Risk of falling through | No lender, no appraisal, no financing contingency | Deals die over appraisal, insurance, and loan denial |
| Sale price | Below retail. This is the trade off | Higher gross price, minus fees, repairs, and carrying costs |
The row that matters most is the last one. Compare what you actually walk away with, not the sticker price.
It is free, it takes one phone call, and there is nothing to sign.
Call or text (727) 500-1042Most cash buyers will not show you this. We will, because a number you understand is a number you can argue with.
We start with what the house would sell for fully fixed up, based on what comparable homes in your neighborhood actually closed at in the last few months. Then we subtract three things: what the repairs cost, what it costs us to hold and resell the house, and the profit we need to make the project worth doing.
A real world example
A three bedroom block house off 54th Avenue North. It needs a roof, an AC system, a cast iron repipe, and a kitchen. Nobody has touched it since 2009.
Fixed up value based on recent sales nearby: $375,000
Repairs and permits: minus $85,000
Our holding, closing, and resale costs: minus $32,000
Our profit on the project: minus $45,000
Cash offer: about $213,000
Those numbers are an illustration, not a formula we apply to every house. A place that needs paint and a water heater lands much closer to retail. A gutted flood house lands further away.
When we hand you an offer, we show you the comps we used and our repair estimate. If you think our repair number is high, tell us. We have moved on plenty of offers when a seller showed us a quote we had not seen.
A lot of St. Petersburg homeowners learned about this rule the hard way after the 2024 storms. It is the single biggest reason a damaged house here will not sell to a normal buyer.
If your house sits in a Special Flood Hazard Area, there is a cap on how much repair or improvement work you can do before the entire structure has to be brought up to current flood code. That can mean physically elevating the house. Most of Florida uses a 50 percent threshold based on the structure's market value. The City of St. Petersburg applies it at 49 percent, which is stricter than the county standard.
Cross that line and a straightforward repair becomes an elevation project. So plenty of houses in Shore Acres, Riviera Bay, Venetian Isles, Coquina Key, and around Salt Creek got gutted down to the studs and then just stopped, because finishing the work legally meant a bill nobody had planned for.
Then there is the paperwork problem. Repairs done without a permit, or a permit that was pulled and never closed out, tend to surface during a title search. That is often exactly where a retail sale dies, sometimes after the seller has already packed.
We buy houses in every one of those conditions. Gutted and unfinished. Open or expired permits. Repairs that were never inspected. Flood damage nobody ever touched. We handle the permit and code side after closing, because that is our problem to solve, not yours.
Thresholds and rules change. Confirm your property's flood zone and your specific situation with the City of St. Petersburg permitting office. We buy houses. We do not give legal, code, or tax advice.
A big share of St. Petersburg's housing stock went up in the 1950s and 1960s. Solid block houses, terrazzo floors, and drain lines made of cast iron.
Cast iron does not last forever. Around the 50 to 70 year mark those lines start to fail from the inside, and by then they are under a slab. A full repipe on a modest house often runs well into five figures, and a buyer's inspector will find it. That single line item has killed more St. Pete sales than almost anything else.
Roofs are the other one. Many Florida carriers will not write a policy on a shingle roof past about 15 years, and some draw the line earlier. No policy means no mortgage, and no mortgage means no retail buyer. Owners find this out when the non renewal letter arrives, not before.
Add a 4 point inspection turning up a Federal Pacific panel or original wiring, and a house that felt perfectly fine to live in for thirty years suddenly cannot be sold the normal way.
None of that stops us. We buy houses with failing cast iron, roofs past their insurable age, aluminum or knob and tube wiring, old panels, and units that quit last August. You do not need to get a single quote before you call.
A five minute phone call or the form on this page. Address, rough condition, and what is going on. You do not need to know the answer to everything. Most people do not.
Usually within 48 hours. Doug or Matt comes out, not a stranger from a call center in another state. Do not clean, do not fix anything, do not move a single box. We have seen worse than whatever you are picturing right now, and we are not there to judge the house.
We show you what comparable St. Petersburg houses sold for, what we think the repairs run, and how we got to our number. No obligation, no pressure to sign that day, and no expiring offer trick.
Seven days if you need money fast. Sixty days if you need time to find your next place or wait out probate. If you need to stay a couple of weeks past closing to move, ask. Your timeline, not ours.
A licensed Pinellas County title company handles the closing and confirms the title is clear. We cover the standard closing costs. There is no commission because there is no agent. Take what you want with you and leave the rest. Furniture, appliances, the shed full of paint cans, all of it.
This is our most common call. A parent passes, the house goes to two or three siblings, and one of them lives out of state. Nobody wants to spend a year emptying a house from another time zone while paying taxes and insurance on it. We buy inherited houses in any condition and we can work with an estate still moving through probate. If you are early in that process, start with our guide to selling an inherited house and the Florida probate process guide for heirs.
A roof past its insurable age, cast iron under the slab, an AC on borrowed time, and a kitchen from 1978. Fixing all of it costs more than most people have sitting around, and a contractor shortage after the storms means you wait months for the work anyway. We buy the house with the repair list attached.
Florida foreclosures go through the courts, so there is more time than most people think. That time still runs out. If there is equity in the house, selling before the auction is usually what protects it. Call early. The options shrink the longer you wait, and the worst outcome is losing the equity along with the house.
A job in another state, a parent who needs care, a divorce, or a health situation that changes everything at once. A traditional sale runs on the market's schedule. A cash sale runs on yours.
Bad tenants, insurance renewals that climb every year, and repairs that eat the rent check. We buy occupied rentals and take on the tenant situation after closing. You do not have to evict anyone or wait out a lease first.
Hoarding situations, an estate nobody has touched in three years, a garage packed to the door. We buy those houses regularly and we handle the cleanout ourselves. There is no version of this where we show up and make you feel bad about it.
Four situations where we are the wrong call, and we will say so on the phone:
The house is in good shape and you have time. List it. Even after commission you will likely net more than our offer. This is not close.
You owe more than the house is worth. A cash sale does not fix an underwater mortgage. You need a conversation with your lender about a short sale or a loan modification first.
You are chasing the highest possible price and nothing else. That is a fair goal. It is just not what a cash sale is for. Nobody buying with cash pays retail.
Someone is pressuring you to sign today. If any buyer, including us, tells you an offer expires in an hour, walk away. A real offer survives you sleeping on it.
All of it. We have bought houses across Pinellas County since 2020 and we know the difference between a 1950s block home in Disston Heights and a bungalow in Historic Kenwood before we pull up to the curb.
Neighborhoods we buy in include Old Northeast, Historic Kenwood, Crescent Lake, Snell Isle, Shore Acres, Riviera Bay, Venetian Isles, Coquina Key, Pinellas Point, Lakewood Estates, Disston Heights, Allendale, Euclid St. Paul, Greater Woodlawn, Jungle Terrace, Tyrone, Bartlett Park, Childs Park, and the Gateway area. Zip codes 33701 through 33716.
We also buy in Largo, Clearwater, Seminole, Gulfport, Kenneth City, Pinellas Park, and St. Pete Beach.
What we buy: single family houses, mostly. We also buy mobile and manufactured homes when you own the land underneath. We rarely buy condos, so if you have one, call anyway and we will point you toward someone better rather than waste your afternoon.
We are not a national brand that bought a phone number in your area code and routed it to a call center. Largo Home Buyers is two guys with an office at 1101 S. Belcher Road in Largo, a fifteen minute drive from most of St. Petersburg. Doug is a veteran. We have bought more than 25 houses in Pinellas County since 2020 and we are registered with the Florida Division of Corporations.
When you call, one of us picks up. When we come look at the house, it is one of us at the door. We do not wholesale your address to a group text of strangers, and we do not renegotiate the price three days before closing after you have already packed. If we say a number, that is the number.
Still weighing your options? Look through our full range of services for St. Petersburg homeowners and find the path that fits your timeline.
Seven days is realistic when the title is clean and you are ready. Most of our closings land between two and three weeks because sellers want time to move. If the property is in probate or has a lien to clear, it takes longer, and we tell you roughly how much longer before you commit to anything.
No. We buy houses that are still gutted, still wet, or never touched since the storm. Repairing first only makes sense if you are listing with an agent and the work stays well under the city's substantial improvement threshold.
That is a normal situation for us and a deal killer for most retail buyers. Open permits and unpermitted work show up in a title search and stop a financed sale cold. We buy the house anyway and deal with the permits after closing.
Yes, and you should know that going in. We buy below retail because we take on the repairs, the carrying costs, and the risk that the job runs over. What you get instead is speed, certainty, no commission, no repair list, and a closing date you choose. If the house is in good condition and you can wait, an agent will net you more.
None. No agent commission because there is no agent, and we cover the standard closing costs. The number on our offer is what you walk away with, minus anything owed on the property such as a mortgage payoff, back taxes, or liens.
We start with what the house would sell for fully repaired, based on recent nearby sales. Then we subtract the repair cost, our holding and resale costs, and our profit on the project. We show you all of it, including the comps we used. If you think our repair estimate is too high, show us a quote and we will look at it again.
Often, yes. It depends on where the estate is in the process and whether the personal representative has authority to sell. We have worked through this many times in Pinellas County and can usually tell you on the first call what needs to happen next.
Everyone on the deed has to sign. We are happy to walk the whole family through the offer on one call so nobody is getting the story secondhand. If you cannot reach agreement, we step back. We are not going to be the reason a family fight gets worse.
No. Take what matters to you and leave the rest exactly where it is. Furniture, appliances, the garage, the shed. We handle the cleanout, and this is one of the biggest reasons people call us instead of listing.
We buy occupied rentals and take on the tenant situation after closing. You do not need to evict anyone or wait for a lease to end before selling to us.
Usually. Liens, back property taxes, code enforcement fines, and unpaid utilities get paid out of the sale at closing. The title company handles it. What matters is whether the total owed is less than what the house is worth. Tell us what you know and we will figure out the rest.
You can check your flood zone through the FEMA Flood Map Service Center or the Pinellas County property appraiser. It affects our number, since flood zone houses cost more to insure and carry stricter repair rules, but it does not stop us from buying. We buy in Shore Acres and Riviera Bay regularly.
No. There is no obligation, no fee for the offer, and no expiration clock. Take it to an agent for a second opinion if you want. We would rather you make the right call than a fast one.
All of St. Petersburg, zip codes 33701 through 33716, plus Largo, Clearwater, Seminole, Gulfport, Kenneth City, Pinellas Park, and St. Pete Beach. If you are somewhere else in Pinellas County, call and ask.
One call, no pressure, and a real number within 24 to 48 hours. If selling to us is not your best move, we will tell you that too.
Call or text (727) 500-1042Doug and Matt, Largo Home Buyers. 1101 S. Belcher Rd, Suite F-1, Largo, FL 33771.
Serving St. Petersburg and all of Pinellas County since 2020.
Call 727-500-1042 