SWFL Estate Solutions

For Canadian Owners of Florida Property

Selling Your Florida Home
From Canada — Handled Locally.

If you've inherited a property in Southwest Florida — or you're settling a parent's home from across the border — we'll coordinate the work on the ground in Florida so you don't have to fly down. We serve Cape Coral, Fort Myers, Naples, Punta Gorda, Sarasota, and everywhere in between.

Accredited & Recognized

We Understand the Situation

 

Maybe a parent passed and left you their Cape Coral condo. Maybe the family snowbird home has gone unused since the pandemic. Maybe you're managing the estate of a relative you barely knew, from Toronto, Calgary, or Vancouver.

The questions stack up quickly. Do you need a Florida probate? What is FIRPTA, and how much of your proceeds could the IRS require to be withheld at closing? How do you get the contents cleaned out without flying down? Will your dollars convert cleanly back to CAD?

These are the questions we help families think through. We're not a probate attorney or a cross-border CPA — but we know who is, and we'll bring the right specialists to the table. Our role is to be your local point of contact in Southwest Florida — coordinating the people, paperwork, and property work so the sale moves forward without forcing you onto a plane.

Cross-Border Concerns, Addressed

Each situation is different — but most Canadian owners we work with run into the same five hurdles. Here's how we help with each.

Florida Probate from Outside the U.S.

"My mother's name is still on the deed and she's been gone for two years. I have no idea where to start."

Florida real property typically requires Florida probate, regardless of where the owner lived or where the heirs reside. We'll connect you with a Florida probate attorney experienced in ancillary and out-of-country cases, then coordinate the property-side tasks (appraisals, condition reports, vendor access) so the legal and physical work move in parallel.

Selling Without Flying Down

"I can't take time off work to sit in Fort Myers for two weeks supervising contractors."

You don't have to. We physically oversee cleanouts, repairs, photography, showings, and inspections on your behalf. Closings can be handled by mail-away or remote online notarization — with the help of a Canadian notary or the U.S. consulate when needed. Coming down for closing is a choice, not a requirement.

FIRPTA & Cross-Border Tax

"Someone mentioned the IRS could hold back 15% of the sale price. Is that real?"

Yes — FIRPTA (the Foreign Investment in Real Property Tax Act) generally requires the buyer to withhold a portion of the gross sale price when the seller is a non-U.S. person. Reduced withholding or refund applications are often available depending on price point, use, and your tax situation. We'll connect you with a cross-border CPA who handles these filings regularly so you don't overpay or get tied up at closing.

Currency Conversion & Wiring CAD

"If I get a check in U.S. dollars, what do I actually do with it back home?"

Closing proceeds are wired in USD. We coordinate with the title company so funds can be wired directly to a Canadian bank account, or to a foreign-exchange specialist who typically beats the bank's USD-to-CAD rate by a meaningful margin. We'll walk you through the options well before closing day so there are no surprises.

Hurricane Exposure, Insurance, HOAs & Condition

"I haven't seen the property since 2019. I don't know what shape it's in, what the HOA dues are, or whether the roof survived Ian."

We start with an in-person property assessment and a candid report on condition, deferred maintenance, current insurance climate, HOA standing, and any open code or assessment issues. From there we build a sale plan that fits your timeline — whether that's a quick as-is sale or a prepared listing that maximizes value. You'll always understand the trade-offs.

A Clear Plan — From Across the Border to Closing

The same hands-on, three-phase process we use for every property we represent, adapted for the realities of selling from Canada.

— Step One —

Assess

An on-site visit, condition report, market analysis, and a clear summary of probate, FIRPTA, and timeline considerations. Delivered in plain English — no jargon.

— Step Two —

Coordinate

Cleanouts, repairs, photography, attorney coordination, vendor scheduling — handled by us in Florida. You get clear updates; you don't get pulled into the weeds.

— Step Three —

Sell

Listing, marketing, negotiation, FIRPTA paperwork, remote signings, and wire coordination — guided through the final signature, with proceeds where they need to go.

Why Canadian Families Choose Us

Selling Florida property is hard enough when you live here. Helping families who don't is a focus of how we work.

We're Actually Local

We physically inspect the property, walk it with vendors, and meet at the home — not from an office in another state. Southwest Florida is our market, and we live in it.

We Know What to Ask & Who to Bring In

FIRPTA, ITINs, ancillary probate, snowbird tax residency, CAD wires — the cross-border layer adds real complexity. We don't give legal or tax advice ourselves, but we know what questions matter, and we coordinate with the attorneys, CPAs, and FX specialists who handle the answers.

We Communicate on Your Schedule

Email, phone, text, video — whatever works for the time difference and your work hours. Updates are clear, regular, and never just "we're working on it."

We Stay Through Closing

We don't list the house and disappear. Justin and Nicole are personally involved from the first phone call through the wire confirmation.

Frequently Asked Questions

Answers to the questions Canadian sellers ask us most often.

Do I need to come to Florida to sell the house?
In nearly every case, no. Closings can be handled by mail-away with a Canadian notary or by remote online notarization where eligible. We physically manage the property side in Florida. Some Canadian sellers do choose to come down for a final visit, but it's a choice, not a requirement.
The owner passed away. Do I need a Florida probate?
For real property titled solely in the deceased's name, almost always yes — even if there was a Canadian will and a Canadian estate proceeding. Florida treats real estate as governed by Florida law. We'll connect you with a probate attorney who handles ancillary probate from Canada and run the property work on a parallel track to keep the timeline tight.
What exactly is FIRPTA, and how much will it cost me?
FIRPTA (the Foreign Investment in Real Property Tax Act) is a U.S. tax provision that generally requires the buyer to withhold a portion of the gross sale price when the seller is a non-U.S. person. The standard rate is 15%, but reduced rates or full exemptions may apply depending on the sale price and the buyer's intended use of the property — for example, a lower rate band can apply to certain residential sales between $300,000 and $1,000,000, and an exemption may apply below $300,000 when the buyer intends to use the property as a personal residence. The withholding is not the final tax; it's a deposit against your U.S. tax liability, and any excess can typically be recovered by filing a U.S. tax return or applying for a withholding certificate (IRS Form 8288-B). FIRPTA rules are nuanced and change over time — we'll introduce you to a cross-border CPA who handles these filings, and we don't provide tax advice ourselves. For official guidance, see IRS: FIRPTA Withholding and IRC §1445.
How do the proceeds get to me in Canada?
The title company wires net proceeds in USD to whatever account you direct — most commonly either a Canadian bank account that accepts USD wires, or a foreign-exchange specialist (such as Wise, OFX, or a similar service) that may offer more favorable conversion rates than a traditional bank’s retail FX desk. We help you compare options before closing day so the choice fits your timeline and amount.
How long does the whole process usually take?
From first call to wired proceeds, a reasonable estimate is three to six months — longer if probate is required and the case is complex, shorter if title is clean and the property is sale-ready. We'll give you a realistic timeline at the assessment stage, not an optimistic one.
What does it cost to work with you?
We're compensated through a standard real estate commission paid at closing, with terms agreed up front in writing. Coordination of cleanouts, repairs, and vendor work is part of how we represent you — we don't charge separate concierge fees on top. Third-party costs (attorney, CPA, repairs, etc.) are billed by those providers directly.
What if the house needs major repairs after a storm?
We assess the damage in person, walk through your insurance position, and lay out three paths: sell as-is to a cash buyer (faster, lower price), make targeted repairs (moderate effort, better price), or full restoration (most work, top of market). We'll show you the math so you can choose what fits your situation.

Tell Us About Your Property

 

Share a few details about the home and your situation. Justin or Nicole will personally review it and follow up within one business day with next steps and an honest read on what we'd recommend.

No pressure, no obligation, no sales script.

Service Area All of Southwest Florida — Sarasota down to Naples, including Cape Coral, Fort Myers, Estero, Bonita Springs, Punta Gorda, and Port Charlotte

Request a Property Review

Free, confidential — typically a 1-business-day reply.

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