Sell Your Mobile or Manufactured Home for Cash in Florida
On your own land or in a park paying lot rent, single-wide or double-wide, pre-1976 or brand new — we buy mobile and manufactured homes as-is.
- Homes with land or in parks
- Old, damaged or vacant
- No commissions or fees
- Title issues welcome
Get Your Cash Offer
No obligation. No fees. No repairs. Tell us about the property and we'll follow up with a cash offer.
Few property types are as misunderstood as the manufactured home. To a lender, it may be personal property like a car, real estate like a house, or something in between, depending on how it’s titled, how it’s attached to the ground and who owns the land underneath. To an insurer, its age and wind rating matter enormously. To a park manager, it’s a resident application and a set of community rules. And to most traditional buyers, all of that adds up to a confusing purchase that’s hard to finance.
That’s why so many Florida mobile home owners — particularly heirs, retirees moving closer to family, and owners whose homes took damage in recent hurricanes — find it hard to sell through ordinary channels. We buy these homes directly, in the condition they’re in. This page explains the difference between homes on owned land and homes in parks, how titles work in Florida, what the 1976 HUD code and later wind standards mean for value, and how we make offers. To see everything else we purchase, visit our property types overview.
Why Mobile Home Owners Sell to Libera Capital Group
Older homes aren’t a deal-breaker
Many lenders and insurers won’t touch a pre-1976 home or one built to an older wind standard. Because we buy with cash, age and financing eligibility don’t stop us — they’re simply part of the price.
We untangle paperwork
Lost titles, a deceased co-owner, a title still in the name of the original buyer, or a home that was never formally converted to real property — we’ve seen these problems and can usually work through them with the title company or the tax collector’s office.
Park processes handled
If your home is in a land-lease community, we deal with the park office on applications, approvals and any rules about selling in place, so you aren’t stuck in the middle.
As-is means as-is
Soft floors, roof-over leaks, sagging carports, rotted Florida rooms, damaged skirting or a home gutted after flooding — we buy without asking you to repair a thing.
What Mobile and Manufactured Homes Do We Buy?
- Single-wides, double-wides and triple-wides, from older units to recent models.
- Pre-1976 mobile homes built before the federal HUD code took effect.
- HUD-code manufactured homes built on or after June 15, 1976, including homes built after the 1994 wind-standard upgrade.
- Homes on owned land, whether titled separately or converted to real property.
- Homes in land-lease communities, including 55+ parks and all-ages parks.
- Homes with additions — Florida rooms, screen rooms, carports, roof-overs and sheds, permitted or not.
- Damaged and vacant homes, including those affected by Ian, Helene or Milton, fire, roof leaks or long-term vacancy.
- Inherited homes, including those where the title is still in a deceased owner’s name.
If you own an entire park or several rental homes on one parcel, our mobile home and RV parks page is the better fit. If your home has been converted to a site-built structure or replaced by a house, see single-family homes.
Do You Own the Land or Rent the Lot? Why It Matters
Homes on land you own
When you own both the home and the land under it, you’re selling something that looks a lot like a house. Value depends on the land, the condition and age of the home, the presence of utilities (well and septic or public water and sewer), road access and whether the home qualifies for financing. Rural parcels in Charlotte, DeSoto, Hendry and Glades counties, and many lots in North Fort Myers and Lehigh Acres, fall into this category. If the home is old or badly damaged, much of the value may be in the land and its improvements — the well, septic system, power pole and driveway — rather than the home itself.
Homes in a park or land-lease community
When the home sits on a rented lot, you own the home but not the ground, and you pay monthly lot rent to the community owner. In Florida, communities with ten or more lots offered for rent to mobile home owners are governed by the Florida Mobile Home Act, Chapter 723 of the Florida Statutes, which sets rules for prospectuses, lot rental increases with advance notice, and the sale of homes within the park. Most parks require that anyone who will live in the home be approved before moving in, and park rules may address whether an older home can remain on the lot after a sale.
Lot rent is the single biggest factor in a park home’s value. Two identical homes can be worth very different amounts if one sits in a park with modest lot rent and the other in a park where rent has climbed steeply. A buyer is really buying the right to live in that community at that monthly cost.
How Do Mobile Home Titles Work in Florida?
In Florida, a mobile or manufactured home starts life as titled personal property, much like a vehicle. Titles are issued through the Florida Department of Highway Safety and Motor Vehicles (FLHSMV), and title transactions are handled locally through the county tax collector’s office. What happens next depends on how the home is owned and installed.
Home titled as personal property
A home on a rented lot — and some homes on owned land — keeps its title. The owner typically renews a mobile home decal through the tax collector, and a sale is completed by signing over the title, similar to selling a car, along with a bill of sale. Liens, such as a chattel loan, are recorded on the title.
Home converted to real property
When the same person owns both the home and the land, and the home is permanently installed on that land, Florida allows the owner to have the home treated as real property. The title can be retired through FLHSMV, and the home is then assessed by the county property appraiser together with the land. Homes classified this way generally display a real property (“RP”) decal rather than an annual mobile home decal. Once converted, the home is conveyed by deed along with the land, and a mortgage — not a title lien — secures any loan.
Common title problems we see
- The title is lost, and a duplicate must be requested.
- The title is still in the name of a deceased owner or a former spouse.
- The home was never retired as real property, so the land is deeded but the home is still titled — or vice versa — and the two records don’t match.
- An old chattel lien appears on the title even though the loan was paid off years ago.
- For a double-wide, each section has its own title, and one is missing.
- The home’s serial number doesn’t match the title because of a clerical error.
These issues can usually be fixed with the right paperwork — lien releases, duplicate title applications, probate or summary administration for an estate, or affidavits — but they often take time. We can buy with the problem pending and coordinate the fix with the title company and, where appropriate, your attorney. Inherited homes in particular often need probate work; see inherited and probate property. This is general information only — consult a Florida attorney for advice about your title.
What Do the 1976 HUD Code and Wind Zones Mean for My Home?
Pre-1976 “mobile homes” vs. HUD-code “manufactured homes”
On June 15, 1976, the federal Manufactured Home Construction and Safety Standards — commonly called the HUD code — took effect. Homes built on or after that date carry a HUD certification label (a metal tag on the exterior of each section) and a data plate inside the home, often in a kitchen cabinet or bedroom closet, listing the manufacturer, serial number, date of manufacture and design zones. Technically, only homes built before that date are “mobile homes”; homes built afterward are “manufactured homes,” though most people use the terms interchangeably.
The distinction matters in practice. Many lenders won’t finance pre-1976 homes at all, many insurers decline them or offer only limited coverage, and some parks restrict their sale in place. That narrows the buyer pool dramatically — often to cash buyers only.
Wind zones after Hurricane Andrew
Hurricane Andrew in 1992 devastated manufactured housing in South Florida, and HUD responded by strengthening its wind standards in 1994. The HUD code divides the country into Wind Zones I, II and III, with Zone III requiring the highest design wind resistance. Much of coastal Florida, including Southwest Florida’s coastal counties such as Lee, Collier, Charlotte and Sarasota, falls in Wind Zone III. A home’s data plate shows the wind zone it was designed for. Homes built to Wind Zone III standards after 1994 generally perform far better in storms, are easier to insure, and hold value better than older homes or homes built for lower wind zones.
Installation and tie-downs
Florida requires manufactured homes to be installed and anchored by licensed installers according to state installation standards, with tie-downs and anchors designed for the wind zone. Loose or rusted straps, missing anchors, or settled piers affect both safety and insurability. We inspect these items during our walkthrough and factor any re-leveling or re-anchoring into our offer — you don’t need to hire anyone first.
Insurance, Flood Zones and Storm Damage
Insuring a manufactured home in Florida has become difficult, especially for older homes. Carriers often require newer roofs, documented tie-downs and a minimum construction year, and coverage for wind may be limited or expensive. Citizens Property Insurance Corporation may be an option for some homes, but not all. When a buyer can’t insure a home, a lender won’t finance it, and the home becomes cash-only.
Flood exposure adds another layer. Many manufactured home communities in Southwest Florida sit close to water — along the Caloosahatchee River in North Fort Myers, on San Carlos Island and Fort Myers Beach, on Pine Island and in Matlacha, near Charlotte Harbor and along the Peace River. Hurricane Ian destroyed or badly damaged large numbers of homes in these areas in 2022, and Helene and Milton added further damage in 2024. In FEMA special flood hazard areas, replacing a destroyed home or repairing one that’s substantially damaged (repair costs reaching 50% of the structure’s value) generally triggers current floodplain rules, which can require the replacement home to be elevated — sometimes several feet — on engineered piers. That cost can exceed the value of an older home.
If your home was damaged, you can still sell it. We buy damaged homes on owned land and in parks, including homes with pending FEMA or insurance claims. See our hurricane and flood damage page for more detail.
How Do We Value a Mobile or Manufactured Home?
We look at the factors a knowledgeable buyer would consider:
- Year, size and model, using recent sales of similar homes and industry valuation guides for manufactured housing.
- Construction standard and wind zone from the data plate and HUD label.
- Condition — roof, subfloor, plumbing, electrical, HVAC, windows, skirting and tie-downs.
- Additions and whether they were permitted.
- Location: for homes on land, comparable land-and-home sales; for park homes, lot rent, park amenities, age restrictions and community rules.
- Insurability and financeability, which determine how many buyers we could eventually resell to.
- Title status and the cost and time to clear any issues.
We’ll walk you through what drives the number. Our cash offer vs. listing page can help you compare it with a traditional sale.
Deal Structures and Situations
- Home and land together: a deeded sale closed through a Florida title company, often in 1–3 weeks when title is clear.
- Park home: a title transfer and bill of sale, coordinated with the park office’s application and approval process.
- Home with title problems: we agree on price now and close once the duplicate title, lien release or estate paperwork comes through.
- Estate sale: we work with the personal representative or heirs, including family members living out of state.
- Removal-required sale: if the park requires an older home to be removed when sold, we can factor removal and disposal into our offer.
- Behind on lot rent or taxes: past-due balances can be paid at closing; see back taxes and liens.
Why owners call us
- Inherited a parent’s mobile home
- A vacant home racking up lot rent
- Moving closer to family
- Roof leaks, soft floors or fire damage
Where Manufactured Homes Are Common in Southwest Florida
Manufactured housing is woven throughout our Southwest Florida home market, from large 55+ communities to rural homesites:
- North Fort Myers — one of the region’s largest concentrations of manufactured home communities, plus homes on owned lots.
- Fort Myers Beach and the San Carlos Island area — waterfront parks heavily affected by Ian.
- Lehigh Acres — manufactured homes on owned land, often on well and septic.
- Port Charlotte and Englewood — numerous land-lease and resident-owned communities.
- Arcadia, LaBelle and Moore Haven — rural homesites with homes on acreage and small parcels.
- Immokalee — older homes on owned lots and in small parks.
Cash Sale vs. Listing a Mobile Home
| Item | Listing or private sale | Selling to Libera Capital Group |
|---|---|---|
| Commission | Often 5–6% when listed with a licensed agent or dealer, sometimes a flat fee | None |
| Repairs | Often needed for buyer financing, insurance or park standards | None — as-is |
| Lot rent while marketed | Continues every month the home sits unsold | Ends at closing |
| Buyer financing | Chattel or FHA loans may be unavailable for older or non-Zone-III homes | Cash — no financing contingency |
| Title problems | Many buyers walk away | We help resolve them |
| Timeline | Can take many months, especially for older homes | Often 1–3 weeks once title is in order |
| Closing costs | Seller may pay title, doc stamps (on deeded sales) and transfer fees | We pay normal closing costs |
How to Sell Your Mobile Home to Us
- Tell us about the home. Year, size, location, whether you own the land or pay lot rent, and the title situation.
- We visit. We check the data plate, condition, tie-downs and additions, and for park homes we review lot rent and rules.
- Receive a cash offer. Usually within 24–48 hours, with any title or park steps spelled out.
- Close. By deed through a title company for homes with land, or by title transfer for park homes. See how it works.
- Homes on owned land sell much like houses; park homes are valued largely on lot rent and community rules.
- Florida homes start as titled personal property; homes on owned land can be converted to real property by retiring the title.
- The June 15, 1976 HUD code and 1994 wind standards (Zones I–III) strongly affect financing, insurance and value.
- We buy older, damaged and title-challenged homes for cash.
Before You Sell: A Short Checklist for Mobile Home Owners
A little preparation shortens the time between offer and closing. None of these items is required to request an offer, but gathering them early helps:
- Find the title or titles. Double-wides usually have one title per section. If you can’t find them, note the serial numbers from the data plate.
- Check the decal. Is there an annual mobile home decal or an “RP” real property decal? That tells us how the home is currently classified.
- Pull your park paperwork. Your lot lease, the park’s prospectus or rules, and the most recent lot rent increase notice.
- List additions and permits. Carports, screen rooms, Florida rooms and sheds, with any permits you have.
- Note utilities. For homes on land: well and septic or public service, and the age of the septic system if known.
- Insurance and claims. Any open claim, FEMA file or adjuster report related to storm damage.
If the home belonged to a parent or relative, also gather the death certificate and any will or trust documents — the title company and probate attorney will need them. For a broader look at fast residential sales, including houses and condos, see our sell my house fast guide.
Frequently Asked Questions about Selling a Mobile or Manufactured Home
Do you buy mobile homes in parks where I pay lot rent?
Yes. We buy homes in land-lease communities across Florida, including 55+ parks. We’ll review the lot rent, park rules and approval process, and coordinate with management. Lot rent strongly affects value, so it’s one of the first things we’ll ask about.
Will you buy a mobile home built before 1976?
Yes. Pre-1976 homes predate the HUD code and are often impossible to finance or difficult to insure, which leaves owners with few buyers. We buy them with cash. Some parks have rules about older homes, and we’ll account for those, including removal if required.
What if I can’t find the title?
That’s common. A duplicate title can usually be requested through the county tax collector’s office on behalf of FLHSMV. If the titled owner has died or a lien was never released, extra paperwork is needed. We can agree on price now and close once the title is ready.
What does it mean to retire a mobile home title?
When the same person owns the home and the land and the home is permanently installed, Florida allows the title to be retired so the home is treated as real property with the land. It’s then taxed by the property appraiser and transferred by deed. Consult a Florida attorney for your situation.
How do I find my home’s wind zone?
Look for the data plate, usually inside a kitchen cabinet, a bedroom closet or near the electrical panel. It lists the manufacturer, serial number, date and design wind zone. Coastal Southwest Florida generally requires Wind Zone III. Homes built after 1994 to Zone III standards are typically easier to insure.
Do you buy mobile homes damaged by hurricanes?
Yes. We buy damaged homes on owned land and in parks, including homes affected by Ian, Helene or Milton. In flood zones, replacing or substantially repairing a home may require elevation, which we factor into our offer.
I’m behind on lot rent. Can I still sell?
Usually, yes. Past-due lot rent and fees can often be paid from proceeds at closing. If the park has started an eviction, contact us quickly so we can try to close before it’s final.
Do you buy the land if the home is beyond repair?
If a home is on the property — even one beyond repair — we can evaluate it. If the home has already been removed and only vacant land remains, our land division SWFLLand.com is the right buyer.
How much will a cash buyer pay for my mobile home in Florida?
The price depends on the home’s age, condition and wind zone, and on whether the land is included. We compare recent sales of similar manufactured homes nearby, then subtract repairs such as roof-overs, subfloors, tie-downs or HVAC, plus closing costs and a margin for risk. For homes in a park, lot rent and park rules also affect value. You get the calculation in writing.
Can I sell a mobile home with soft floors or a leaking roof?
Yes, we buy mobile homes with soft floors, roof leaks, water damage or mold as-is. These problems are common in older manufactured homes after years of Florida humidity and storms, and many buyers cannot finance or insure a home in that shape. We account for the repair cost in our offer, so you do not need to patch the roof or replace subflooring before closing.
Can I sell a mobile home on my own land in Florida?
Yes, we buy manufactured homes together with the land they sit on, which is often the simplest kind of sale. If the home’s title has been retired and it is taxed as real property, it transfers by deed like a house. If not, both the vehicle-style title and the land deed must transfer, and the title company coordinates both. Well, septic and tie-down condition all factor into the offer.
Do I need park approval to sell my mobile home in a Florida park?
Usually, the park’s prospectus and rules determine whether a new owner must be approved before taking over the lot. Some parks also set appearance or safety standards that older homes must meet when sold. We review your park’s documents before making an offer and work with management on any approval step, so there are no surprises at closing.
Can I sell an inherited mobile home in Florida?
Yes, an inherited mobile home can be sold, but the title must first move to the heir or the estate. Depending on the situation and the home’s value, that may happen through probate, summary administration or a title transfer through the tax collector’s office using a death certificate and supporting forms. A Florida attorney or your county tax collector can confirm what your case needs, and we can wait for the paperwork.
Get a Cash Offer on Your Mobile Home
On land or in a park, old or new, titled or not — tell us about it and we’ll respond with a straightforward, no-obligation offer.