In October 2026 the median Apopka sale was $399,492, homes took a median 73 days to sell, and they closed at 98.3% of list price (Redfin). On a $400,000 sale, the fixed selling costs before broker fees come to about $8,093, or 2.0% of the price. Broker fees are whatever you negotiate, and each 1% is $4,000.
What the Apopka market did in October 2026
| Measure | Apopka | ZIP 32703 | ZIP 32712 |
|---|---|---|---|
| Median sale price | $399,492 | $367,846 | $456,756 |
| Change from a year earlier | -0.77% | -0.58% | +5.5% |
| Median days on market | 73 (56 a year earlier) | 69 (51) | 70 (57) |
| Sale price as a share of list | 98.3% | 98.2% | 98.3% |
| Sold above list | 12.7% | 13.7% | 13.2% |
| Listings with a price drop | 41.3% | 42.8% | 40.4% |
This is a slower market than a year ago. Homes sit 17 days longer, roughly four in ten listings cut their price, and about one in eight sells over list. Redfin counted 291 Apopka sales against 348 a year earlier, and Realtor.com showed 890 active listings. The market report tracks these monthly.
Price from closed sales
A list price comes from recent closed sales of similar homes nearby, adjusted for size, condition, lot and age. Active listings are your competition, not your evidence.
The gap between asking and selling is visible in the public data. Realtor.com's October 2026 median list price for Apopka was $428,375, while its median sold price was $405,495 and Redfin's was $399,492. The median asking price sat $23,000 to $29,000 above the median selling price.
At 98.3% of list, a $400,000 list price implies a sale near $393,200. Start with the home value bracket, then ask Robert for the closed sales on your street.
Prepare the house and the paperwork
- Find your owner's title insurance policy. The contract asks you to give the buyer a copy within 5 days, and it can lower your premium.
- Close open permits and clear code issues. The municipal lien search looks for unrecorded code liens, open permits and utility balances, and it can take two to four weeks.
- Know your roof's age and have the paperwork. A buyer's insurer will ask.
- Consider a 4-point and a wind mitigation inspection before listing, typically $75 to $175 each, so buyers can quote insurance on day one.
- Collect HOA contact details. The closing agent orders an estoppel letter from each association.
- Get a payoff figure from your mortgage servicer.
If you bought less than three years ago and can produce your owner's policy, the reissue rate applies up to the amount of that policy. On $400,000 the premium can fall from $2,075 to as little as $1,230.
Disclosures Florida requires
Known material facts. A Florida seller must disclose known facts that materially affect the value of the property and are not readily observable. The standard FAR/BAR contract puts it in writing in Section 10(j): the seller states they know of no such facts that have not been disclosed. The same section has the seller state that they have received no notice of an uncorrected building, environmental or safety code violation, unless disclosed in writing.
Flood disclosure. Under section 689.302, Florida Statutes, a seller of residential property must complete and give the buyer a flood disclosure at or before the time the sales contract is signed. The form covers three points: any flooding you know of that damaged the property during your ownership, any flood claim you have filed with an insurer, including the National Flood Insurance Program, and any flood assistance you have received, including from FEMA.
Selling as is means you are not agreeing to make repairs. It does not cancel the disclosure duty: the contract's no-warranty language makes the disclosure sentence its one exception. Put what you know in writing before the buyer signs.
Robert can supply the forms. Take a question about a specific fact to a real estate attorney.
Broker fees after August 2024
Broker fees are not set by law and are fully negotiable. Two things changed in August 2024 (Stellar MLS on August 6, the national rule on August 17):
- An offer of compensation to the buyer's broker cannot appear in any MLS field.
- A buyer signs a written agreement with their own broker before touring, and that agreement states what the broker is paid.
So there are two separate decisions. The first is what you pay your listing broker, set in your listing agreement. The second is any contribution to the buyer's broker fee, which a buyer can request in the offer. You can accept, counter or decline.
A worked net sheet at $400,000
| Line | How it is figured | Amount |
|---|---|---|
| Sale price | $400,000 | |
| Documentary stamps on the deed | $0.70 per $100: 4,000 x $0.70 | -$2,800 |
| Owner's title policy | $5.75 per $1,000 on the first $100,000 ($575) plus $5.00 per $1,000 on the next $300,000 ($1,500) | -$2,075 |
| Settlement fee and lien search | $475 plus $225, midpoints of the published Orlando-area ranges | -$700 |
| HOA estoppel letter | Statutory cap through June 30, 2027 | -$299 |
| Property tax proration | $4,500 x 180 days / 365 | -$2,219 |
| Fixed costs | 2.0% of the price | -$8,093 |
| Broker fees, example only | 3% listing fee ($12,000) plus 2.5% toward the buyer's broker ($10,000). Both negotiable. | -$22,000 |
| Mortgage payoff, example | From your servicer's payoff letter | -$250,000 |
| Net to seller | $400,000 - $8,093 - $22,000 - $250,000 | $119,907 |
The broker percentages are the placeholders the seller net sheet starts with. They are not a standard rate. In this example total selling costs are $30,093, or 7.5% of the price.
Notes on the lines:
- Documentary stamps round up to the next $100 of price. The seller pays by custom.
- Title premiums are set by state rule, so every title company charges the same. In Orange County the seller customarily pays for the owner's policy and chooses the closing agent. A title search fee of $300 to $500 is often billed with it and is not in the table.
- Estoppel is $299 per association, plus up to $119 for a rush and $179 if the account is delinquent. A home with a master and a sub-association pays twice.
- Tax proration. Florida property tax is paid in arrears, so you credit the buyer for January 1 through the day before closing. The contract allows for the maximum early-payment discount, which would trim this credit to about $2,130. If you close after paying the November bill, the buyer credits you for the rest of the year.
- Repairs and credits you agree to during the inspection period come off the net too. Conventional loans cap seller credits toward a buyer's costs at 3%, 6% or 9% of the lower of the price or appraised value, depending on the down payment. VA limits seller concessions to 4%.
From contract to closing
Effective Date
The day the last party signs and delivers the contract. Deadlines count from here.
Day 3: the deposit arrives
The buyer's deposit is due to the escrow agent within 3 days if the blank is left empty.
Through day 15: inspection period
Fifteen days if the blank is empty, often shorter by negotiation. The buyer inspects and may ask for repairs or a credit.
Day 30: loan approval
The buyer's financing contingency runs 30 days if left blank, and it includes the appraisal.
Title and lien work
The closing agent orders the title commitment, lien search, estoppel letters and your payoff.
Closing
A financed sale typically closes 30 to 45 days after the Effective Date. The national average to close a purchase loan was 36.8 days in March 2026 (ICE Mortgage Technology).
Under the As Is contract the buyer can cancel for any reason during the inspection period and recover the deposit. You are not obligated to make repairs, but a buyer who finds a roof or plumbing problem can walk away.
Lay your own dates out in the contract-to-close calendar.
The capital gains exclusion
If you owned the home and used it as your main home for two of the five years before the sale, up to $250,000 of gain is excluded from federal tax, or $500,000 for a married couple filing jointly. You can use the exclusion once every two years. The limits are not indexed to inflation, and a bill to change them (H.R. 4327) had not become law as of November 3, 2026. Florida has no personal income tax, so there is no state tax on the gain.
Example: you paid $220,000 including improvements and sell for $400,000 with $30,093 of selling costs. The gain is $400,000 - $30,093 - $220,000 = $149,907, under the $250,000 limit. Investment property does not get the exclusion. If the seller is a foreign person, the buyer generally withholds 15% of the price under FIRPTA.
This guide is general information, not legal, tax or insurance advice. Ask a tax professional about your own sale.
Questions sellers ask
How much does it cost to sell a house in Apopka?
On a $400,000 sale, about $8,093 before broker fees: $2,800 of documentary stamps, a $2,075 owner's title policy, $700 of settlement and lien-search fees, a $299 estoppel letter and a $2,219 tax credit to the buyer. Broker fees are added on top and are whatever you negotiate.
How long does it take to sell a home in Apopka?
Redfin's median was 73 days on the market for the period ending October 2026, up from 56 a year earlier. Realtor.com's median for October 2026 was 64 days. After a contract is signed, a financed sale typically takes another 30 to 45 days to close.
Do I have to pay the buyer's agent when I sell in Florida?
No. Commissions are not set by law. Since August 2024 an offer of buyer-broker compensation cannot appear in the MLS, and the buyer's own written agreement states what their broker is paid. A buyer may ask you to cover some or all of it in the offer, and you can accept, counter or decline.
What do I have to disclose when selling a house in Florida?
Known facts that materially affect the property's value and are not readily observable, which the standard contract covers in Section 10(j). Section 689.302, Florida Statutes, also requires a flood disclosure at or before contract signing, covering known flood damage during your ownership, flood insurance claims and flood assistance received.
Will I owe tax on the sale of my Florida home?
Often not. A gain of up to $250,000, or $500,000 for a married couple filing jointly, is excluded from federal tax if you owned and lived in the home for two of the last five years. Florida has no personal income tax. This is general information, not tax advice.
Sources: Redfin, Apopka housing market, Realtor.com, Apopka market, Florida Dept. of Revenue, documentary stamp tax, Fla. Admin. Code 69O-186.003, Florida DBPR, estoppel fee caps, FAR/BAR "As Is" contract (ASIS-7), s. 689.302, Florida Statutes, IRS Topic 701. Checked November 2026.
