Sell Your House or Commercial Property for Cash in Union County, FL
Libera Capital Group buys homes, manufactured homes and small commercial buildings in Lake Butler, Raiford, Worthington Springs and rural Union County — in any condition, with no commissions and a closing date you control.
- No commissions or fees
- Any condition — no repairs
- Close in as little as 7–14 days
- Houses & commercial
Get Your Cash Offer
No obligation. No fees. No repairs. Tell us about the property and we'll follow up with a cash offer.
Union County is the smallest county in Florida by land area, and one of the smallest by population. It is a place where most people know their neighbors, where pine forests and pasture separate a handful of towns, and where the state’s correctional institutions near Raiford and Lake Butler have long been the backbone of local employment. Commuters head out each morning to Gainesville, Lake City and Starke, and come home to quiet roads and big yards.
That small size is part of Union County’s charm — and it is also the biggest challenge when you need to sell. On any given month, only a small number of homes change hands in the entire county. Buyers are limited, comparable sales are few, and the homes that do sell quickly tend to be well-kept houses that qualify for USDA or FHA financing. If your property needs work, has title complications, or you simply cannot wait through a long listing, you need a different path.
Libera Capital Group is a Florida cash buyer headquartered in our home market of Southwest Florida — Lee, Collier, Charlotte and the surrounding counties, described on our Southwest Florida page. We buy statewide, including small North Florida counties that many investors overlook. This guide explains, honestly, when a cash sale makes sense in Union County, what we look for, and how the process works.
Why Union County Sellers Choose Libera Capital Group
No waiting on a thin buyer pool
In a county this small, the right retail buyer may take months to appear. We are a ready buyer today, with cash, for properties that are hard to sell any other way.
Your repair list becomes our problem
Old roofs, soft floors, failing septic, outdated wiring — none of it needs fixing. We price the work into our offer and handle it after closing.
Fewer costs coming out of your check
No commissions, no inspection credits, and we pay normal closing costs. The offer we write is close to what you actually take home, minus any mortgage or lien payoffs.
Easy for families far away
If you inherited a home in Lake Butler but live elsewhere, we can do most of the work remotely, coordinate access, and close by mobile notary.
Is a Cash Sale the Right Move in Union County? An Honest Answer
We do not believe a cash sale is right for everyone, and we would rather lose a deal than give you a bad steer. Here is our honest read on the Union County market.
You may do better listing if…
Your home is in good condition with a newer roof and working systems, it sits on a paved road with a clean title, and you have the time to wait. Well-maintained homes near Lake Butler that qualify for government-backed loans can attract buyers who commute to Gainesville or work locally, and a capable local agent may get you more than any investor.
A cash offer usually makes more sense if…
- The house would not pass a lender’s inspection — roof, foundation, electrical, plumbing or septic problems.
- It is an older manufactured home or a home with additions that were never permitted.
- The property is inherited, the heirs are spread out, and nobody wants to manage repairs or showings.
- It is a rental with tenants who are behind, or the property has been vacant and is deteriorating.
- You face a deadline — foreclosure, tax certificate redemption, a job transfer, or a divorce settlement.
- You value certainty and speed more than squeezing out the highest possible price.
Our cash offer vs. listing comparison lays out the math in detail, including the holding costs that tend to be underestimated in small rural markets where listings can take longer to sell.
Lake Butler, Raiford and Worthington Springs
Union County has three incorporated municipalities. Together with the unincorporated countryside, they make up our entire service area in the county — and we buy in all of it.
Lake Butler
Lake Butler is the county seat and the largest town, built along the shore of the lake that shares its name. State Road 100 and State Road 121 cross here, connecting the town to Starke, Lake City and Gainesville. The town’s housing stock includes older frame homes near the lake and downtown, mid-century concrete-block houses, manufactured homes, and a limited number of newer homes on the outskirts. The state’s Reception and Medical Center is nearby, and it, along with the other correctional facilities in the area, provides a large share of local jobs.
Because the county courthouse is in Lake Butler, it is where Union County’s probate, foreclosure and other civil cases move through the court. If you are dealing with a deadline set by a court, let us know at the start so we can plan a closing that fits.
Raiford
Raiford is a very small town in the northeastern part of the county, best known statewide for the correctional institutions nearby. Housing in and around Raiford is mostly older single-family homes and manufactured homes on rural lots. Many were built for or bought by people who worked at the institutions, and as owners retire or move, those homes often need significant updating before a financed buyer could purchase them. We buy them as they are.
Worthington Springs
Worthington Springs sits on the Santa Fe River at the county’s southern edge, along State Road 121. It was once a resort town built around a mineral spring, and today it is a small rural community with river access. Homes near the river can carry flood-zone considerations, and many properties rely on wells and septic. We buy homes in town and along the river corridor in any condition.
Unincorporated Union County
Outside the three municipalities, the county is mostly timberland and farms, with small communities such as Providence in the west. Homes here typically sit on acreage, often alongside barns, workshops or older outbuildings. County permitting and code enforcement apply, and many homes are decades old.
- Lake Butler
- Raiford
- Worthington Springs
- Providence
Housing and Property Issues We See in Union County
Every market has its own patterns. Here are the property issues that most often make Union County homes difficult to sell through a traditional listing — and how we handle each.
Manufactured homes and title problems
Manufactured homes make up a large share of the county’s housing. Older units built before the federal wind-zone updates of the mid-1990s are often ineligible for conventional loans, and many homes were never properly converted to real property, leaving a vehicle-style title that has to be located or replaced. We buy manufactured and mobile homes on owned land, including older units, and our title partners help straighten out the paperwork.
Wells and septic systems
Outside town water and sewer lines, homes depend on private wells and septic systems. Government-backed loans often require water testing and septic inspections, and a failure can stop a sale late in the process. We do not require any testing or repairs as a condition of buying.
Older construction and deferred maintenance
Many Union County homes date to the mid-twentieth century or earlier. We frequently see original single-pane windows, fuse boxes or undersized panels, galvanized or cast iron plumbing, roofs at the end of their life, termite damage and sagging floors. These issues add up in a lender’s appraisal and inspection; for us, they simply go into the price.
Unpermitted additions and code issues
Rural homes often have additions, enclosed porches or carports built over the years without permits. That can be a problem for a financed buyer and an insurer. We buy homes with unpermitted work or open code violations and handle the permitting or removal after closing.
Flooding near the Santa Fe and New rivers
The Santa Fe River on the south and the New River on the east can rise after heavy rain, and low-lying parcels near them may be mapped in FEMA flood zones. Flood insurance requirements can deter financed buyers. If your home has water damage, see our page on storm and flood damage.
Homes with acreage
We buy homes on large parcels, including small farms. If you want to keep some of your land, we can sometimes buy the home on a smaller piece, subject to county approval of the split. Purely vacant acreage is handled by our land division at SWFLLand.com.
Situations We Help Union County Owners With
Inherited homes
When a parent passes, the family home in Lake Butler or Raiford often goes to children who live elsewhere. Before a sale can close, someone usually needs legal authority, typically through probate. Florida offers summary administration for estates of $150,000 or less (excluding exempt property; raised from $75,000 effective July 1, 2026) or when the person died more than two years ago, which can be faster than formal administration. A Florida probate attorney can advise which applies. Our inherited property page explains how we work with estates.
Foreclosure and back taxes
Florida is a judicial-foreclosure state, which means a lender must file a lawsuit and get a judgment before a foreclosure sale. That process takes time, and selling before the sale date can protect your equity and your credit. Unpaid property taxes can lead to tax certificates and eventually a tax deed application. Our foreclosure page and back taxes and liens page outline your general options; a Florida attorney can advise on your specific case.
Tired landlords and problem tenants
Rental homes near the institutions and in Lake Butler can be steady earners, but repairs, turnover and late payments wear on owners. We buy occupied rentals, with or without leases. See our problem tenants page.
Divorce and relocation
When a home has to be sold to divide assets or because of a job change, a known closing date and a predictable net can make a hard time easier. We can work with both parties and their attorneys, and close on whatever date the settlement requires.
What to Gather Before You Call
You do not need any paperwork to request an offer — an address and a short description are enough to start. But if you have the following on hand, it can speed up our review and help us give you a sharper number, especially for rural Union County property where public records may be thin:
- The deed or your most recent tax bill. This confirms who holds title and the parcel number, which matters when a home sits on several adjoining parcels or on family land.
- Mortgage and lien information. A recent mortgage statement, plus anything you know about judgments, code liens or unpaid taxes, helps the title company order payoffs early.
- Manufactured home details. The year, make and any title or decal information for a manufactured home, and whether it was ever declared real property.
- Survey or boundary information. Older rural parcels often have fences and driveways that do not match recorded lines. A prior survey, if you have one, saves time.
- Repair and permit history. Roof replacement dates, septic work, well pump replacements and any permits pulled for additions.
- Estate documents. If you are selling for an estate, a copy of the will, death certificate and any letters of administration from the court.
- Leases. For rentals, copies of any leases, current rent amounts and deposit information.
If you are missing some or all of this, that is fine. Our title partners can research most of it, and we routinely buy properties where the family is still piecing together the history. The point is not to make you do homework — it is to show you that nothing on this list has to be perfect before we can make an offer.
Selling Commercial Property in Union County
Union County’s commercial property is modest in scale — small storefronts and service buildings in downtown Lake Butler, highway commercial along SR 100 and SR 121, agricultural and equipment buildings, and a few small multifamily and mobile home communities. Specialty and older commercial buildings in a county this size can be extremely hard to sell, because local buyers are few and banks are cautious about lending on them.
Libera Capital Group buys commercial property here for cash, including:
- Downtown retail and office buildings — see office buildings.
- Shops, warehouses and agricultural-service buildings — see industrial and warehouse.
- Small apartment buildings, duplexes and mobile home communities — see multifamily and apartments.
- Vacant or distressed commercial buildings that need major work.
We can buy with tenants in place, close on a delayed timeline to support a 1031 exchange, or structure a sale-leaseback so your business can stay. More details are on our commercial property page. Please consult a CPA or qualified intermediary before relying on any tax strategy.
Cash Sale vs. Listing: Side-by-Side
| Item | Selling to Libera Capital Group | Listing the property |
|---|---|---|
| Commission | None | Often around 5–6% |
| Repairs | None — sold as-is | Often required by lender or requested by buyer |
| Cleanout | Leave what you don’t want | Usually must be empty and show-ready |
| Concessions | None expected | Buyers commonly request closing-cost help |
| Closing costs | We pay normal closing costs | Seller typically pays doc stamps and title policy |
| Holding costs | Minimal | Can run for months in a small market |
| Timeline | Often 7–14 days with clear title | Often several months from list to close |
| Certainty | No loan or appraisal contingencies | Financing and appraisal can derail the sale |
Florida’s documentary stamp tax on deeds — $0.70 per $100 of the price outside Miami-Dade — applies in every sale. Our written offer tells you exactly which costs we cover.
How It Works
- Share the basics. Use the form above or call (239) 686-0823 with the address, condition and your timeline.
- We do our homework. We check public records, title and flood zone, and schedule a walkthrough in person or by video.
- Get a written offer. Usually within 24–48 hours of having what we need. No pressure, no obligation.
- Close on your schedule. A Florida title company closes the sale and pays off any mortgage or liens. Fast, or months out — your call.
See our how it works page and sell my house fast page for more.
More Ways We Can Help
Counties Around Union
Explore all of our Florida locations, or visit the neighboring counties:
- Union County is Florida’s smallest county by area, with a small buyer pool — homes with problems can sit for a long time.
- We buy in Lake Butler, Raiford, Worthington Springs and every rural part of the county.
- Manufactured homes, wells, septic, unpermitted additions and title issues are all things we can buy around.
- No commissions, no repairs, normal closing costs paid, and a closing date you choose.
Half-Built House in Lake Butler, Raiford or Worthington Springs? Union County Cash Buyer
Union County is Florida’s smallest county by land area, and new homes here are personal projects: a family house on farmland outside Lake Butler, a place near the New River or Santa Fe around Worthington Springs, or a site-built home replacing an older mobile home near Raiford. With few local contractors and long drives for materials, one bad month can leave a slab or framed shell sitting untouched, and a permit can lapse before anyone notices. The Union County building office in Lake Butler handles permitting for the county, with Lake Butler, Raiford and Worthington Springs having local roles. Rural properties use private wells and septic systems, and river-adjacent lots may sit in flood zones.
We buy Union County homes in any state of completion. Shells, framed or dried-in houses, expired or inactive permits, code cases, builders who closed, contractors who lost their license or spent the budget, lis pendens filings and overgrowth liens are all handled through our offer and the title company. You get the cost-to-complete figures in writing. Read our half-built home guide, or call (239) 686-0823 to talk through your Union County property.
Who Buys Houses in Union County?
Libera Capital Group is one of the buyer types Union County sellers can turn to in Florida’s smallest county by land area. Owners in Lake Butler and Raiford usually compare a local cash buyer like us, national “we buy houses” franchises and iBuyers that rarely bid in such a small market, landlords buying rentals for corrections employees at the state prisons nearby, and retail buyers who purchase through an agent with USDA or FHA loans.
A Southwest Florida buyer with a Fort Myers office can be a fit for Union County homes that are hard to finance: a Raiford house with a roof past its life, a Worthington Springs home that has taken Santa Fe River floodwater, an older single-wide on a family parcel, or a Lake Butler property behind on payments with a sale date approaching. As principals buying for ourselves, we can make an as-is offer quickly and coordinate a payoff with your lender at closing.
Frequently Asked Questions about Selling in Union County
Who buys houses in Union County, FL?
Libera Capital Group buys houses in Union County for cash in Lake Butler, Raiford and Worthington Springs and on rural roads in between. We consider manufactured homes, houses with failing septic systems, rentals with tenants in place, and half-built homes an owner could not complete. Call (239) 686-0823 or use the form below. Union County is a small market, but listing with an agent or comparing more than one cash offer can still be the better route for some homes; our cash offer vs. listing article explains why.
Do you buy houses near Raiford?
Yes. We buy single-family and manufactured homes in and around Raiford, including homes that need significant work. Many homes in this area are older and would struggle to pass a lender’s inspection; we buy them as-is and factor the repairs into our offer.
Is Union County too small for a cash buyer to be interested?
Not for us. We buy throughout Florida, including small rural counties. The size of the market affects pricing because there are fewer comparable sales, but it does not stop us from making a fair, documented offer and closing with a Florida title company.
Will you buy a house with a failing septic system?
Yes. We evaluate the septic system as part of our review and include any needed repair or replacement in our offer. You do not need to pump, repair or replace the system before closing, and there is no lender inspection requirement in a cash sale.
Can I sell a house in Worthington Springs that’s in a flood zone?
Yes. Homes near the Santa Fe River may sit in mapped flood zones, which can make them harder to finance and insure. We buy them for cash, considering elevation, flood history and condition. Disclose any flooding or water damage you know about.
How long does it take to close?
With clear title, often 7–14 days. If the property needs probate, has liens, or has title issues common with inherited rural property, it takes longer. We can also close on a later date if you need time to move.
Do you buy rental houses with tenants living in them?
Yes. We buy occupied rentals, whether tenants are current, behind on rent, or on month-to-month arrangements. We will ask for copies of any leases and information about deposits so the title company can handle prorations correctly at closing.
What does it cost me to get an offer?
Nothing. There is no fee and no obligation to accept. If the number does not work for you, we will explain our reasoning so you can make an informed comparison with listing.
Do you also buy land in Union County?
Libera Capital Group buys houses and improved commercial property only. For vacant lots, timberland or pasture, contact our land division, SWFLLand.com, which buys raw land throughout Florida.
How much will a cash buyer pay for a house in Lake Butler?
We base it on what comparable updated homes around Lake Butler sell for, then subtract repairs, holding and closing costs and a margin for risk. Roof and electrical condition, septic and well results, manufactured-home age and flood zone near the Santa Fe or New River are the local factors that move it. We show you the math in writing.
Can I sell a manufactured home in Union County if I cannot find the title?
Usually yes; a missing title is a common problem, and the title company can often help obtain a duplicate or confirm the home was retired to the land. Older homes near Lake Butler and Raiford frequently have vehicle-style titles that were never converted. We buy them on owned land and handle the paperwork step by step.
Can I sell my Lake Butler house before the foreclosure sale date?
Yes, a cash sale can close before the court’s sale date and pay off your loan, protecting any equity and your credit. Union County foreclosure cases move through the courthouse in Lake Butler, so tell us the case status and any dates right away. A Florida attorney can confirm your options once you have been served.
Can I sell a Raiford home that needs a new roof and electrical panel?
Yes, we buy older homes in and around Raiford that need roofs, panels, plumbing or floors as they stand. Many were built decades ago for people working at the nearby institutions and have not been updated since. Those repairs would block a government-backed loan, so we price them into our offer instead.
Should I list my Lake Butler home or take a cash offer?
If the home is updated, on a paved road and likely to pass an FHA or USDA inspection, listing may bring a higher price from Gainesville commuters. If it needs major work, sits in a flood zone or is inherited and vacant, a cash sale is often simpler. Compare our written offer against listing after commissions and holding costs.
Who will buy an unfinished house in Lake Butler when local contractors are booked?
Libera Capital Group buys unfinished houses in Lake Butler and across Union County, even when local contractors are scarce. We price the remaining work, including travel and scheduling for outside crews, into our estimate. Permit status and recorded liens get checked at the same time. Our written cash offer lets you sell without waiting months for a contractor to become available.
Can I sell a half-built home near Worthington Springs that sits in a flood zone?
Yes, we buy half-built homes near Worthington Springs in flood zones along the Santa Fe and New River. We review the flood map, required elevation and permitted foundation, then estimate the work left. Our cash offer reflects the house in its present state. You avoid investing more in a property that may need elevation changes before it can be finished.
Nearby Counties We Also Serve
Beyond Union County, we buy houses and commercial property for cash in every neighboring county. Explore the local guide for each one below, see our Southwest Florida home-market page, or browse all 67 Florida counties.
Get Your Union County Cash Offer
Tell us about your home or building in Lake Butler, Raiford, Worthington Springs or anywhere in Union County, and we will send a fair written cash offer — no repairs, no commissions, no obligation.