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I want to sell my home but it wasn’t professionally built?

The home is an owner built home. No professional builder was involved. Everything was done by the owner who was not a licensed or skilled contractor. How does the market value these homes? Would it qualify for financing or cash only? Do I have to sell it As-is and/or disclose it as an owner built home?

Asked by Rhen H | Anderson, SC| 10-13-2024| 492 views|Selling|Updated 1 year ago

Answers (6)

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Keith Jean Pierre

REMAX First Realty · East Brunswick, NJ

(151 reviews)
I am assuming all permits were pulled when building this home, so if that is the case, there should not be any significant difference. Keith Jean-Pierre Managing Principal The Dapper Agents Operations In: NY, NJ, FL & CA
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04-24-2026 (2 days ago)··
Kevin Neely

Keller Williams Realty Elite Partners · Spring Hill, FL

(76 reviews)
Selling a home that was owner-built without professional construction is possible, but it requires careful attention to disclosure and title to avoid post-closing liability. In South Carolina and throughout the Southeast, Florida sellers are required to disclose all known material facts about the property, and an owner-built home has a longer list of potential disclosures: whether permits were pulled for each phase of construction, whether the work was inspected, and whether any systems were installed by non-licensed contractors in a way that might not meet code. Buyers and their lenders will scrutinize an owner-built home more carefully than a conventionally built one. The most important preparatory step is a pre-listing inspection by a licensed home inspector who can document current conditions objectively. That report helps you understand what disclosures are necessary and gives you the opportunity to address issues before they become negotiating points in a buyers inspection. If the home was built without permits for major systems, consult a real estate attorney about the disclosure language before listing. Some lenders will not finance homes with significant unpermitted work, which affects your buyer pool. Being transparent upfront and priced appropriately for the condition will attract the right buyer and reduce post-closing dispute risk. Kevin Neely & Kaitlynd Robbins | K2 Sells, Keller Williams Elite Partners
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04-15-2026 (1 week ago)··
Amanda Courtney

REP Realty Group · Fort Myers, FL

(13 reviews)
That’s okay! Many Florida homes, especially older ones, weren’t built by large developers. What matters is safety, functionality, and transparency. Before listing, schedule an inspection to uncover any issues you might want to fix or disclose. You can still sell confidently with the right pricing strategy and a solid marketing plan that focuses on your home’s strengths.
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10-22-2025 (6 months ago)··
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Julianne Clark

Charter One Realty · Beaufort, SC

(48 reviews)
The real question is -- is it professional built or shoddy workmanship? A Buyer will have a home inspection and any deficiencies may be found if it was a handyman special. If permits were not taken out for the construction -- that too can create issues for the sale. How did you purchase the house (cash or a loan) and was it evident when you bought it that it was not built by a professional builder? There are many people that are skilled in construction -- yet do not have a contractors license. All will need to be disclosed. Disclose ahead of time to avoid litigation in the future.
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10-18-2024 (1 year ago)··
Theresa ConwellNovice4 Answers
Theresa Conwell

River City Mortgage

(21 reviews)
Most importantly. Were all permits pulled and approved by a county inspector?
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11-13-2024 (1 year ago)··
Elizabeth SteeleNovice1 Answer
Elizabeth Steele

Realty One Group Mvp · fort myers, FL

(22 reviews)
It really depends on the state laws that you are in. On the county website, look up your property that is listed as a house or as an empty lot. Personally, I would hire an appraiser and base the selling price on that.
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11-05-2024 (1 year ago)··
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