Florence, KY · Boone County · Home Seller Guide · 2026
Yes. USA Home Buyers buys houses in Florence and Boone County, Kentucky.
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
You get a written offer and written terms before you commit, and we close through a title company.
We answer 24/7 at 888-274-5006.
Compare the choices
A listing can make sense when the house is ready for the market and you have time for preparation, showings, and buyer requests. Compare what you might keep after repairs, commissions, other sale costs, and the bills you carry while it is listed—not just the asking price.
A for-sale-by-owner sale leaves marketing, buyer conversations, offer review, and sale coordination with you. Compare that work and timing with written terms for a direct sale.
You can compare written terms without starting repairs, cleaning, or a cleanout. No agent commissions when you sell to us. No fees.
We have two ways to buy. A Cash Offer is built for speed, condition, and tough situations — heavy repairs, tight timelines, difficult circumstances. EZ Sale is often the better fit when the house doesn't need major repairs and you want a higher number. Either way, you compare written numbers and you pick what works best for you.
Swipe across the table to compare all four selling options.
| Factor | List with a realtor | FSBO | Cash Offer | EZ Sale |
|---|---|---|---|---|
| Timeline | Market-dependent | Market-dependent | 30 days or less | 60 days or less |
| Price | Highest, if it sells | Varies | Lower price | Higher price than the Cash Offer |
| Repairs | Repairs may be needed before listing or after inspection | The seller handles repair decisions | No repairs | No repairs |
| Commissions | Agent commissions apply under the listing agreement | No listing-agent commission; the seller handles the sale | No commissions | No commissions |
| Closing costs | Seller costs depend on the contract and settlement statement | Seller costs depend on the contract and settlement statement | No closing costs | No closing costs |
| Showings | The seller prepares for and coordinates showings | The seller markets the property and coordinates showings | None | Yes, partner visits |
| Who buys | Retail buyer | Retail buyer | USA Home Buyers buys directly | Goes to one of our partners |
| Certainty | Depends on the buyer, inspections, financing, and contract | Depends on finding and qualifying a buyer | You get a written offer and written terms before you commit, and we close through a title company. | You get a written offer and written terms before you commit, and we close through a title company. |
| Net proceeds | Compare the expected sale price after commissions, repairs, costs, and waiting | Compare the expected sale price after seller-managed costs and work | Compare the written price after your payoff and other property obligations. No commissions. No closing costs. | Compare the written price after your payoff and other property obligations. No commissions. No closing costs. |
Compare what you would keep after costs with the Florence, KY calculator →
Questions about the two options? Call 888-274-5006.
Steps and numbers
1
Share the address, what needs work and who lives there. Tell us when we can see it and when you want to sell.
2
We give written cash offers in 24 hours.
3
You get a written offer and written terms before you commit, and we close through a title company.
Close as fast as 7 days when title and closing details allow.
Compare current market measures with the house’s condition and the costs you would carry while selling.
These measures describe housing prices and selling conditions for the areas and periods shown. Compare them alongside repair costs, your mortgage payoff and selling costs.
| Measure | Value | Source and area | Period |
|---|---|---|---|
| Median sale price | $265,624 | Redfin · Florence, KY | Three months ending September 2026 |
| Median days on market | 13 days | Redfin · Florence, KY | Three months ending September 2026 |
| Homes sold | 124 homes | Redfin · Florence, KY | Three months ending September 2026 |
| Typical home value (Zillow ZHVI) | $287,887 | Zillow · Florence, KY | As of September 2026 |
| For-sale inventory | 134 homes | Zillow · Florence, KY | As of September 2026 |
Include utilities, other bills and any mortgage payments while waiting to sell. Allow time for closing, too.
Compare a possible listing with an as-is sale using numbers you can change for your house.
Open the Florence home-sale net-proceeds calculator →Useful local facts
The City’s park directory names familiar places across Florence. If one is near your house, use it as a local reference when you tell us what is happening with the property.
The City places the park off Banklick Street, reached from U.S. 42 / Dixie Highway.
If Banklick or U.S. 42 is your local reference, mention it when you tell us about the house.
The City lists park entrances on Rosetta and Surfwood Drives, with approaches from KY 18 or U.S. 42 and Hopeful Church Road.
Tell us whether the house is near Rosetta or Surfwood and what you want to compare.
South Fork Park is on Florence’s west side, with Farmview Drive as its approach.
If repairs or a cleanout are holding up a move, we can discuss selling the house as it stands.
The City places Stringtown Park in Florence’s eastern section, between Kathryn and Wallace Avenues.
Use Kathryn or Wallace as a familiar reference when you describe the property and its location.
The City locates Kentaboo Park on Kentaboo Avenue.
If the house needs work, tell us what is going on and we can talk through an as-is sale.
City of Florence park directory →
Florence’s short-term-rental guidance separates the Main Street Overlay District path from conditional-use zoning. The City describes a permit and inspections or permits for short-term-rental occupancy; conditional-use applications go to the Boone County Planning Commission when that path applies. Tell us how the house is used when we talk through the sale.
A deadline can change the choice
A sale may still be possible if the loan can be paid off before the sale.
Kentucky mortgage foreclosures go through Circuit Court. After judgment, a master commissioner conducts a public auction. Court rules generally require the sale within 90 days after the case is referred; two disinterested people appraise the house first, and the sale is advertised at least once 7 to 21 days before the auction. The court confirms the sale before the buyer receives a deed.
If the sale price is less than two-thirds of the appraised value, Kentucky law lets the owner redeem within six months by repaying the sale price plus 10% interest and certain costs.
Kentucky Supreme Court master commissioner sale rules · KRS 426.560, sale advertising · KRS 426.530, redemption · Florence foreclosure questions
Who can sign and who can stay
A Kentucky court appoints a personal representative—an executor or administrator—to act for the estate. If the will gives that person power to sell real estate, they can usually sell without a separate court order. Without that power, the representative can ask District Court for an order allowing the sale, with notice to everyone who has an interest in the house. The order must be final and the appeal time must expire before the house can be conveyed; a certified copy is recorded with the deed.
A surviving spouse may have rights in the house even if not named on the deed. Kentucky’s surviving-spouse rules changed effective July 15, 2026.
If you need an estate attorney, we can help you find one.
KRS 395.015, appointment of a personal representative · KRS 389A.010, court order granting power to sell · KRS 389A.015, recording the order with the deed · KRS 392.020, surviving-spouse rights · Florence inherited-house guidance
You don't always need to evict to sell to us. We buy houses with tenants in place — we've done it many times, including cash-for-keys when that works better for everyone.
A Kentucky rental sale is valid without the tenant’s consent, and the buyer takes over as landlord. The lease continues after the sale. A tenant who pays rent to the former owner before receiving notice of the sale does not have to pay that rent a second time.
KRS 383.100, sale and rent paid before notice · More about selling a Florence rental with tenants
Kentucky closing costs
For a taxable transfer, Kentucky’s real estate transfer tax is 50 cents for each $500 of value or fraction of $500. State law assigns it to the grantor—the seller—and the county clerk collects it before the deed can be recorded. Taxable value includes the full price paid, including any liens the buyer takes over. Some transfers are exempt, such as foreclosure deeds, deeds between spouses, and certain government transfers; the title company can confirm whether an exemption applies. Deed-recording fees are separate from this tax.
Your mortgage payoff, liens, back taxes, and share of current property taxes are separate amounts to include when you compare what you may keep.
When you sell to us, we pay the closing costs, including the Kentucky real estate transfer tax.
No agent commissions when you sell to us. No fees.
Where to find help
Florence city and Boone County have different offices for local tax and land-record questions. Not sure where to start? Call us — we’ll sort it out with you.
Start here for City property-tax information and payment routes.
The PVA handles property assessments and mapping questions.
The Clerk’s full Real Estate department is in Burlington; the Florence office offers limited real-estate services.
The Boone County Clerk handles delinquent county property-tax bills.
The City lists 859-647-5416 (Code Officer) or 859-647-8177 (City Clerk) for contesting a citation, and 859-647-5413 for phone payment. Check the actual notice for its deadline.
Kentucky Courts lists the Boone County Justice Center and Circuit Court Clerk contacts.
Florence and Boone County seller resources → · Florence places and nearby communities →
Questions and contact
Call 888-274-5006 or use the offer form at the top of this guide. Tell us what is happening with the property and what matters to you.
“LISTEN, PROPERTY TAXES GOT TOO HIGH FOR MY FIXED INCOME. SOLD IT TO THEM. WALKED AWAY WITH CASH. GLAD IT'S OVER.”
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
“no open houses. no realtors tracking dirt in. just a straight cash sale for our house so we could move. Glad it's over.”
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
A court-appointed personal representative—an executor or administrator—acts for the estate. If the will gives that person power to sell real estate, they can usually sell without a separate court order. Otherwise, the representative can ask District Court for an order; it must be final and the appeal period must expire before the house can be conveyed. If you need an estate attorney, we can help you find one.
You don't always need to evict to sell to us. We buy houses with tenants in place — we've done it many times, including cash-for-keys when that works better for everyone. Kentucky law says the sale is valid without the tenant's consent, and the buyer takes over as landlord; the lease continues after the sale.
For a taxable transfer, Kentucky's real estate transfer tax is 50 cents for each $500 of value or fraction of $500. State law assigns it to the grantor—the seller—and the county clerk collects it before the deed can be recorded. Some transfers are exempt, and recording fees are separate. When you sell to us, we pay the closing costs, including the Kentucky real estate transfer tax.