What’s My Orlando House Worth vs. What Will I Net? (Calculator Walkthrough) By People’s Industry Investments — Orlando cash buyers & licensed real estate pros

If you’re Googling “what’s my house worth in Orlando,” you’re really chasing two numbers:

1. Market Value (what a ready, willing, and able buyer would pay today)

2. Net Proceeds (what actually lands in your bank account after fees, payoffs, and credits)

This guide shows you how to estimate both—then gives you a plug-and-play Excel net sheet you can download and use in minutes.

Download the Net Proceeds Calculator (Excel)

Part 1 — Nail your “likely sale price” (your value anchor)

There are only three honest ways to peg value:

• MLS/CMA comps (most reliable): Closest homes, most recent sales, with adjustments for beds/baths/sf/condition, and days-on-market.

• Investor price (cash-as-is): A quick, non-contingent number based on your home’s current condition and the buyer’s exit strategy.

• Appraisal (formal): Lender-style valuation, useful if your home is unique or comps are thin.

Use this anchor as the Sale Price in the calculator. If you’re torn between cash vs MLS, duplicate the sheet—one column for each scenario—so you can compare speed vs. net.

Helpful deep-dives from Pillar A (interlink on your site):

• How to Sell My House Fast in Orlando (2025 Guide)

• Cash Home Buyers in Orlando: How It Works (No Repairs, No Fees)

Part 2 — Net sheet 101: every common line item (Florida/Orlando)

Below are the typical items that affect a seller’s bottom line. You’ll see them already set up in the Excel file so you can just type your numbers:

• Sale price (your value anchor)

• Seller credit to buyer (if any)

• Commission (MLS route only; enter % and the sheet auto-calculates the $)

• Florida documentary stamp tax on the deed — calculated at $0.70 per $100 of consideration in Orange County (auto-calculated in the file). Florida Department of Revenue+2Florida Department of Revenue+2

• Owner’s title insurance — customary but negotiable in Central Florida; enter the actual quote

• Title/closing fees — settlement/closing, courier, recording; enter the quote from your title company

• HOA/Condo estoppel — associations must provide the certificate within 10 business days of a valid request; fees are capped by statute (your association/title company will quote the exact amount). Online Sunshine+2Online Sunshine+2

• Municipal/utility/lien payoffs — any balances that must be cleared to convey clean title

• Property tax proration — Florida taxes are paid in arrears; you’ll credit the buyer for your share through the closing date (enter as a positive cost)

• Repairs/credits — if you agree to repairs or a lump-sum credit during negotiation

• Home warranty/other seller-paid items — optional

• Mortgage/HELOC payoff(s) — principal + any lender fees

Seller disclosure reminder (Florida): Even on as-is sales, sellers must disclose known, material, non-obvious defects (Florida Supreme Court, Johnson v. Davis). Disclosing early reduces fall-through and re-trades. Justia Law+2Bernhardt Riley, Attorneys at Law, PLLC+2

Part 3 — Walkthrough example (so you can sanity-check your math)

(This is only an illustration—swap in your numbers.)

Scenario A: MLS “priced-to-move”

• Sale price: $350,000

• Commission: 6% → $21,000 (auto)

• Doc stamps on deed (Orange County): ROUNDUP(350,000/100) × $0.70 = $2,450 (auto) Florida Department of Revenue+1

• Owner’s title insurance: $1,800 (enter your quote)

• Title/closing fees: $850 (quote)

• HOA estoppel: $350 (quote; timeline is 10 business days by statute) Online Sunshine

• Property tax proration: $1,200

• All other line items: $0

• Estimated net (before mortgage payoff): $350,000 − ($21,000 + $2,450 + $1,800 + $850 + $350 + $1,200) = $322,350

Scenario B: Cash, as-is

• Sale price: $325,000

• Commission: 0% (off-market)

• Doc stamps: $2,275 (auto)

• Title/closing fees: $650 (some cash buyers cover a portion)

• HOA estoppel: $350

• Property tax proration: $1,200

• Estimated net (before payoff): $325,000 − ($2,275 + $650 + $350 + $1,200) = $320,525

Takeaway: Cash is usually faster and more certain; MLS often nets more—but not always. The calculator shows your truth in five minutes.

Download: Orlando Net Proceeds Calculator (ready to use)

• Built for Orange County doc stamps (auto-calc at $0.70 per $100).

• Side-by-side MLS vs Cash columns.

• Yellow cells = your inputs; everything else auto-calculates.

👉 Download the Net Proceeds Calculator (Excel)

Condo/HOA tip: Request estoppels immediately. Statute requires issuance within 10 business days, and many associations have capped fees (title will quote the exact number). Starting early prevents closing delays. Online Sunshine+2Online Sunshine+2

FAQs (Orlando sellers ask these the most)

What fees are truly unavoidable in Florida?The documentary stamp tax on the deed is state-mandated and due at recording (Orange County uses $0.70 per $100). Other items—title insurance, closing fees, home warranty—are customary but negotiable by contract and county convention. Florida Department of Revenue+1

Who usually pays for the owner’s title policy in Orlando?It’s customary (but not required) for the seller to provide the owner’s policy in much of Central Florida. Check your contract or ask your title company for the current local norm.

How do I speed up closing?Clear payoffs early, request HOA/condo estoppels immediately (10 business-day rule), disclose known issues up front, and use a local title company with e-sign + mobile notary options. Online Sunshine+1

Is selling “as-is” the same as “no disclosure”?No. As-is shifts repairs to the buyer, but Florida still requires disclosure of known, material, non-obvious defects (Johnson v. Davis). Justia Law