Updated November 4, 2026
There is no one right answer
Each choice has different costs, risks and time commitments. A clear look at the numbers, and at what the family actually wants, usually makes the choice easier. Costs vary, so get quotes rather than guessing.
Option 1: Keep it
Keeping the home may make sense if someone will live there or if it has strong sentimental value. Consider:
- Property taxes, insurance and utilities continue.
- Maintenance, storm prep and repairs fall on you.
- The homestead exemption does not automatically continue; a new owner must apply, and assessed value may reset toward market value.
- If several heirs share ownership, everyone must agree on who pays and who decides.
Option 2: Rent it
Renting can bring income but also makes you a landlord. Before you rent, ask an attorney whether you have legal authority to do so, since a personal representative or co-owners may need to approve. Check landlord-tenant rules, such as Chapter 83 of the Florida Statutes, and your insurer's rules for rented homes.
Ask whether the home needs repairs to be safe and rentable. Income and costs vary; run your own numbers and talk to a tax professional.
Option 3: Sell
Selling often simplifies things: it ends carrying costs and makes it easier to divide the value among heirs. Sellers typically choose between:
- Selling as-is. You skip repairs and may save time, but buyers may expect a lower price.
- Making repairs first. This can widen the buyer pool but takes money, time and decisions up front.
A licensed local listing agent can explain what is likely to work for your home and neighborhood. Ask for their market analysis, and compare more than one.
Vacant home risks
An empty home is more exposed to break-ins, water leaks, mold and storm damage. Tell your insurer about the vacancy and ask what is covered, because many policies limit coverage when a home is unoccupied. Keep the yard maintained, forward the mail, and have someone check the house regularly. Pinellas County sits in hurricane territory, so have a plan for storm season.
Questions to ask yourself
- Can I afford taxes, insurance and repairs for at least a year without selling?
- Do I want to be a landlord, and do I live close enough to manage the property?
- Do all heirs agree, and is everyone on the same timeline?
- What do I need the money for, and when?
- What would a licensed local agent say the home might sell for as-is and after repairs?
Write down your answers and compare options side by side. A probate attorney, tax professional and listing agent each see a different piece of the picture, so it helps to hear from all three before deciding.
Cleanout and estate sales
Before listing, most homes need a cleanout. Take photos, invite family to choose keepsakes in an agreed way, and consider an estate sale company or donation pickup for the rest. Get quotes and written terms. Check with the personal representative first, since belongings are estate property until distributed.
Many listing agents can recommend cleanout and estate sale help. Ask for references, get written estimates, and confirm what happens to items that do not sell. Do not throw away papers, photo albums or anything that might hold value until the family and the personal representative have looked through them.
Next step
Talk to a Florida probate attorney and a tax professional about your situation. This site is general information, not legal or tax advice.
Disclosure: Pinellas Inherited Home Help is part of TheBayPros. TheBayPros' owner is related to Krystal Crichlow of eXp Realty, who may be among the licensed local agents introduced to you. You can choose any agent you like.
Ready to talk to a licensed local listing agent? Use the free matching form on this site. It is free, and you are never required to hire anyone.
Frequently asked questions
Is it cheaper to sell as-is?
It avoids repair costs and delays, but offers may be lower. A listing agent can compare both paths for your home.
Can I rent the house while probate is open?
Only with proper authority. Ask your attorney who may sign a lease.
Who pays for upkeep during probate?
Often the estate, through the personal representative, or an heir who is repaid later. Keep receipts and ask an attorney.