Divorce BuyOut Florida Mortgage Refinance
Yes, you can refinance with bad credit in Florida with a Florida Divorce BuyOut agreement. A Florida Divorce Mortgage refinance is typically required to remove one spouse from the loan and title, often by using a “cash-out” refinance to cash out the equity and buy out a spouse. To complete the divorce buyout, the spouse signs a buyout agreement to cash-out refinance to buy out the spouse and settle the Florida divorce. In Florida, divorce law does not mandate a strict 50/50 split of assets; rather, it operates under “equitable distribution” (fair, not always equal) under the Equitable Distribution of Marital Assets and Liabilities, Florida Statute § 61.075. Search the Florida bar for Florida divorce attorneys to help you with your Florida divorce or buyout agreement.
Divorce Mortgage BuyOut Refinance Concerns:
| Concerns | Actions Needed |
| Credit Score | ALL CREDIT WELCOME – Bad Credit Florida Mortgage Options |
| Equity | Is there enough equity to satisfy the buyout agreement? |
| Income | Is your sole income enough to qualify for the new mortgage amount? No Tax Return – No Income verification mortgage options. |
| Title | The title company will pay off the co-owner in exchange for the title. |
| Property Types | Residential – Commercial – Land |
| Contingency | What’s “Plan B” if the refinance is declined? |
| Situations | Refinancing balloon mortgages, Collection accounts, judgments, adjustable rates, liens, property taxes, judgments, Lis pendens, Claims of lien, Florida tax liens, Bankruptcy, Code violations, Final judgments, Buyouts, Late payments, Tax lien, Department of Revenue, Behind On HOA, Stop-Foreclosure, Probate, Divorce, or Partner buyouts, |
Florida Cashout Refinance Divorce Buyout
Components to Divorce Buy-Out Refinance
Equity Buyout Strategy: When one spouse wants to keep the house, a cash-out refinance is used to buyout the departing spouse’s share of equity. This only works if there is enough equity to work.
Qualification Hurdles: Sometimes qualifying can be a challenge with one income. The retaining spouse must qualify for the new mortgage at the time, with a higher interest rate and a higher loan amount on one income.
Alimony/Support as Income: Alimony and/or child support can be used as mortgage-qualifying income if there is a documented 6+ months history. This follows a “6/36” rule: 6 months of documented receipt and a requirement that payments must continue for at least 36 months after the loan closes.
Removing Spouse from Title: A quitclaim deed is usually signed to transfer ownership, removing the non-retaining spouse’s ownership interest.
Timing: A final, signed marital settlement agreement (MSA) or divorce decree is generally required by lenders before closing.
Divorce Mortgage Refinance ✔ Checklist
- Divorce Decree buyout agreement, including the amount owed, payment deadlines.
- Most Recent Paystub, W2’S / 1099’s / Tax returns, No Doc (if applicable)
- Assets – Bank Statements – 2 most recent statements, including all assets.
- Retirement / Disability / Social Security Awards Letter, most recent
- Documentation of any other sources of income
- Documentation to support the funds needed for your transaction.
- Photo ID – must be government-issued (typically driver’s license or ID card)
- Copy of the Tax Bill, Insurance Bill, and HOA, if applicable
- Most recent Mortgage Statement
- Copy of the Survey
Divorce Florida Mortgage Refinancing Includes:
- Refinance Florida past due HOA:
- Refinance Florida Lis Pendens :
- Refinance Florida Claim of lien :
- Refinance To Pay Florida Tax Lien :
- Refinance Florida Code Violations :
- Refinance Florida property Taxes :
- Refinance Florida Final Judgment :
- Buy-Out-Florida Mortgage Refinance :
- Mortgage with 30-60-90 day late payments :
- Florida mortgage with collection accounts:
- Refinance To Pay Florida Property Taxes:
- Buy-Out-Florida Mortgage Refinance :
- Cashout Refinance to Pay Florida Property Taxes
- Refinance Florida Department of Revenue Warrant :
- Refinance Florida Mortgage While in Bankruptcy :
- NO Credit Score Florida Mortgage Lenders :
- Stop Foreclosure Bad Credit Florida Mortgage Lenders :
- Refinance Florida Homeowners Association Lis Pendens :
- Partial Construction Florida Bad Credit Mortgage Lenders :
- Foreign National Bad Credit Florida Mortgage Lenders :
- Bad Credit Cash Out Refinance Florida Home Listed For Sale:
Divorce Florida Refinance Property:
- Single-family home – Divorce Mortgage Refinance In Florida :
- Townhouse- Divorce Mortgage Refinance In Florida :
- Manufactured home – Divorce Mortgage Refinance In Florida :
- Multi-Family – Divorce Mortgage Refinance In Florida :
- Villa – Divorce Mortgage Refinance In Florida :
- Condos- Florida Bad Credit approved Condos:
- Commercial – Bad Credit Commercial Mortgage Lenders:
- Condotel or Condo Hotel – Bad Credit Mortgage Lenders:
- Jumbo Luxury Bad Credit Mortgage Lenders:
- Co-op Florida – Bad Credit Mortgage Lenders:
- Non-Warrantable Condo – Bad Credit Mortgage Lenders:
- Bad Credit Florida Non-Resident Mortgage Lenders :
- Land – Florida Bad Credit Land Lenders:
Refinance Commercial To Buyout Spouse:
- Bad Credit Hard Money Commerical Florida Mortgage Lenders:
- Parking lot Florida Hard Money Mortgage Lenders:
- Agricultural Hard Money Florida Mortgage Lenders:
- Car Dealership Hard Money Florida Mortgage Lenders:
- Industrial Florida Hard Money Mortgage Lenders:
- Assisted Living Home Florida Hard Money Mortgage Lenders:
- Funeral Home Florida Hard Money Mortgage Lenders:
- Multifamily Hard Money Florida Mortgage Lenders:
- HOA Mortgage Lenders In Florida:
- Vacant Land Florida Hard Money Lenders:
- Commerical Land Florida Hard Money Lenders:
- Hotel Hard Money Florida Mortgage Lenders:
- Motel Hard Money Florida Mortgage Lenders:
- Inherited Commercial Property Refinance Before Probate:
- Warehouse Florida Hard Money Mortgage Lenders:
- Stop Foreclosure Commerical Mortgage Lenders Florida:
- Finish Construction Florida Hard Money Lenders:
- Commerical Refinance Before Probate In Florida:
- Refinance Hard Money Florida Commerical Pace Loan:
- Luxury Mansion Florida Hard Money Mortgage Lenders :
- Cashout Refinace Commercial Property Listed For Sale In Florida:
- Commerical Florida Refinance Buyout Partner:
- Golf Course Florida Hard Money Mortgage Lenders:
Divorce Refinance Florida Condo Buyout:
- Non-Warrantable Florida Condos Lenders
- No Budget No Reserves Florida Condos
- NO Tax Return Florida condo mortgage lenders
- Bad Credit Florida Condo Mortgage Refinance
- Jumbo Florida Non-Warrantable Florida Condo Refinance
- Refinance Florida Non-Warrantable Condo
- NO Questionnaire Florida Condo Mortgage Refinance
- ITIN Florida Non-Warrantable Condo Lenders
- No Master Windstorm Insurance Florida Condo Mortgage Refinance
Florida Divorce Refinance Buyout Checklist
- Preliminary planning- Confirm divorce settlement terms re: who keeps the home, buyout amount, and timing. Consult a family-law attorney, a mortgage broker/lender, and a title agent early.
- Determine refinance need & structure- Cash‑out refinance vs rate‑term refinance vs new purchase by spouse. Decide who will hold the new loan and whether seller financing or a promissory note is an interim option.
- Financial qualification- Remaining owner: obtain lender prequalification/preapproval showing solo capacity (income, DTI, credit). Gather 2 years of tax returns, pay stubs, bank statements, asset docs, and P&L if self‑employed.
- Valuation & equity calculation-Order professional appraisal or agree on valuation method. Calculate net equity: appraised value − existing mortgage payoffs − closing costs − liens.
- Title & lien clearance-Order title search/commitment to identify mortgages, judgments, tax liens, HOA liens, mechanic’s liens.Clear outstanding liens or arrange escrow/holdback with title company as negotiated.
- Legal documentation-Draft buyout agreement provisions into Marital Settlement Agreement (MSA) or court order specifying payoff, timing, and deed transfer conditions.If quitclaim deed used, note it does not remove mortgage liability; plan refinance or lender release. If needed, include indemnity language protecting the non‑borrowing spouse until the loan is removed.
- Lender & underwriting requirements-Provide lender with condo/HOA documents if applicable; confirm warrantability. Disclose any litigation, bankruptcy, probation, or judgments. Confirm lender acceptance of POA, remote signing, or a court‑appointed signatory if one spouse cannot attend the closing.
- Insurance & HOA/Condo-Buyer obtains homeowner/hazard insurance naming the new Florida mortgage lender as mortgagee. Confirm flood insurance requirements and transfer/update policy. Request HOA estoppel, dues status, pending assessments, and transfer fees.
- Closing logistics & timing-Coordinate refinance closing date with deed recording and court deadlines (if decree conditions closing). Title company to prepare escrow instructions, payoff statements, and distribution of buyout funds. Ensure funds routing for equity payment to the selling spouse is documented in the HUD/ALTA settlement statement.
- Post‑closing steps-Record new deed (if applicable) and confirm mortgage removal/release for departing spouse. Obtain lender confirmation that departing spouse is removed from loan or evidentiary payoff. Update insurance, tax billing, and estate planning documents as needed.
- Contingencies & protections- Use escrow holdback for unresolved repairs or liens with defined release conditions. Consider temporary indemnity agreement if departing spouse remains on mortgage until refinance completed. If financing is tight, explore bridge/portfolio loans, seller carryback, or reduced cash‑out to meet LTV limits.
Why Refinancing Is Necessary To Complete the Divorce?
- Provide cash for the buyout. Cash-out refinancing (often called cash‑out) converts home equity into funds to pay the other spouse their share of equity.
- Meet lender requirements for title/mortgage release- Courts and settlement agreements commonly condition deed transfers on removal from the mortgage or a lender’s written release, which usually requires refinance.
- Remove an ex from mortgage liability- Florida mortgage enders typically require the departing spouse to be removed from the promissory note or indemnified; cashout refinance replaces the joint loan with one in the remaining owner’s name.
- Solve qualification gaps-The spouse keeping the home may need to qualify alone (income, DTI, credit). A cash-out refinance confirms the borrower’s solo-qualifying ability and sets new loan terms.
- Address unequal financial obligations-Refinancing can consolidate, restructure, or extend payments to enable the buying spouse to afford mortgage payments post‑divorce.
- Cleanly finalize settlement terms-Lenders’ payoffs and escrowed distributions provide documented proof of settlement compliance for court records and decrees.
- Protect credit and future liability- Removing an ex from the mortgage prevents future credit damage and liability if payments lapse after the divorce.
Divorce Refinancing On A Single Income:
Refinancing a Flroida mortgage during or after a divorce is often called a “divorce buyout,” “divorce refinance,” or “equity buyout” and is one of the most high-stakes financial moves a person can make. The primary goal is usually to remove one spouse from the loan and the title, but the process creates several specific concerns:
1. The “Single Income” Hurdle – This is the most common roadblock for most divorcing couples. When you purchased the Florida home, the mortgage lender likely qualified (2) two incomes. Now, that (1) one spouse keeping the house must qualify for the entire mortgage based on one income.
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DTI Ratio: Florida Mortgage lenders typically want your mortgage payment to be around 1/3 of your total monthly income. Taking on a full mortgage on one salary often pushes new singles past this limit.
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Child Support Income: You can use alimony or child support as qualifying income, but only after you’ve received it consistently for 6+ months, and that income must continue for at least 3+ years to qualify. If not, check our No Income verification for Florida mortgage lenders. Additionally, a birth certificate to verify that the borrower’s 18th birthday is more than 3 years away. according to Check Alimony, Child Support, Equalization Payments, or Separate Maintenance and Freddie Mac Alimony, Child support, separate mainenance payment requirments.
2. Legal vs. Financial Responsibility – A common and dangerous misconception is that a Divorce Decree removes your name from the mortgage. It does not.
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The Florida Mortgage Lender’s View: Your mortgage is a contract with a bank; your divorce is a contract with an ex-spouse. The Florida mortgage lenders do not care what the judge said—if both names are on the loan, both are 100% responsible for the mortgage payments until it’s paid in full or one spouse is refinanced off.
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The Credit Risk: If your ex-spouse is awarded the house but fails to refinance your name off, and then misses a mortgage payment, your credit score will drop just as hard as theirs.
3. Cashout Buyout Mortgage Refinance – If there is significant equity in your home, the spouse staying usually has to “buy out” the other’s share. This requires a Florida divorce buyout agreement.
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The Cash-Out Refinance: You aren’t just refinancing the remaining balance; you are taking out a larger loan to buy out your ex-spouse in cash. This could significantly increase your monthly mortgage payment if rates went up and your taking out a much larger loan amount.
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LTV Limits: Assuming your credit and income qualify, most Florida mortgage lenders won’t let you borrow more than 80% of the home’s value. If the buyout amount plus the existing mortgage exceeds that, you might not have enough equity for a buyout, and you may be stuck.
- The “Quitclaim Deed” Trap: Many people think signing a Quitclaim Deed solves the problem of transferring responsibility of the house from one person to another. The Reality: A Quitclaim Deed removes your name from the Title (ownership), but it does not remove your name from the Mortgage (debt).
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The Danger: You could end up in a situation where you no longer own the house but are still legally obligated to pay for it.
5. Timing and Interest Rates – Rates May Have Gone Up, or Your credit has gotten worse?
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Market Conditions: If you bought your Florida home years ago at a 4% interest rate, refinancing your Florida mortgage today might mean your interest rate jumps to 6% or 7%. This “rate shock” can make a previously affordable Florida mortgage suddenly unaffordable.
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Deadlines: Florida Divorce decrees often set a strict timeline (e.g., “Refinance within 90 days”). If the market is bad or your credit is bruised, meeting that deadline can be incredibly stressful.
This website/content provides general information that may not be correct and does not constitute legal advice or create an attorney-client relationship. The content is not guaranteed to be current or accurate. You should not act or refrain from acting based on this information without first seeking professional counsel from a licensed attorney
Possible Issues When Divorce Refinancing:
Qualifying: If you are the spouse keeping the Florida home, you must document sufficient income to cover the mortgage, debts, credit obligations, and potential child support payments.
Court Orders: A Florida court can order a spouse to refinance within a certain timeframe to remove the other party.
Documentation: Lenders will require the final divorce decree and the marital settlement agreement.
Equity Buyout: This allows the spouse staying in the home to access equity to pay the departing spouse their share.
Timing: While you can cash out refinance during the divorce, doing so afterward is often more straightforward, as it allows Florida mortgage lenders to use a finalized court order for alimony or child support as income (usually requiring a history of receipt).
Protect Your Credit: If the mortgage is not refinanced, both parties remain liable, and a missed payment by one spouse can ruin the other’s credit.
Verify Equity: Calculate the equity by subtracting the current mortgage balance from the home’s market value.
Divorce No Tax Return Mortgage Refinance
Refinance Florida Mortgage With No Tax Returns – Florida Home Loan With No Tax Returns
Yes, you can obtain a home loan in Florida with No tax returns. We welcome all no-tax-return refinances or purchase situations. Our No Tax return FHA Florida mortgage lenders provide numerous Florida mortgage solutions to accommodate various situations, to help secure a Florida mortgage. Our Rent Own Florida FHA Mortgage Lenders allow you to PICK OUT THE HOME OF YOUR CHOICE listed for sale on the MLS or Buyowner.
No Tax Return Divorce Mortgage Refinance
- Home Loan No Tax Returns =OK 1099 mortgage Lenders = OK 3 Months Bank Statement = OK
- Self-Employed Less than 1 year = OK VOE Only Mortgage = OK Asset Depletion = OK
- ITIN No Tax return mortgage = OK Nonresident No Tax Return = OK Pledged Assets = OK
- Asset Depletion or Pledged = OK Business Profit Loss = OK DSCR Rental Income = OK
- No Doc, No W2, No Tax Return = OK Bank Statement Deposits = OK Jumbo No Tax Returns = OK
- NO Tax Return Short Term Rental = OK No Income Investor Refinance = OK Condo Refi No Tax Returns = OK
- Estate Refinance NO Tax Return = OK No Income Refinance = OK Condo Cashout No Tax Returns = OK
Divorce Refinance Florida Property Types:
- Single-family home – No Tax Return Mortgage Lenders
- Luxury Jumbo – No Tax Return Mortgage Lenders
- Townhouse- No Tax Return Mortgage lenders
- Manufactured home – No Tax Return Mortgage Lenders
- Co-op – No Tax return, Florida Mortgage Lenders
- Condotel – No Tax Return Mortgage Lenders
- Investor Loans- No Tax Return Mortgage lenders
- Commercial – No Tax Return Florida Mortgage Lenders
Florida Divorce Mortgage Refinance BuyOut
A “Divorce Refinance Buyout” is a cash-out refinance used to pay out a spouse’s share of the home equity to complete a divorce. It allows one spouse to cash out, refinance the existing mortgage, and take out a new loan large enough to pay off the old loan and the Divorce BuyOut amount to the other spouse. A Divorce mortgage refinance ensures the home is in only one spouse’s name after the divorce, in exchange for cash-out.
Bad Credit Divorce Florida Mortgage Refinance
Here’s a list of bad credit Florida divorce Mortgage refinance Options:
- Private Mortgage Lenders: Rarely lend on primary homes, no minimum credit, but require at least 50% equity.
- Conventional Mortgage Loans: The minimum credit score required for conventional loans is 620 for Freddie Mac and Fannie. However, a 10-20% down payment is required for lower credit scores.
- FHA Mortgage Loans: With FHA loans, you can buy a house with a bad credit score as low as 500 with a 10% down payment. If your score is 580 or higher, you can put down 3.5%. NO more than two 30-day late payments or one 60-day late payment in the last 24 months.
- VA Mortgage Loans: For VA loans, you can buy a house with a bad credit score as low as 500 with no money down.Manual Underwrite: 24-month VOR/VOM with 0x30 last 12 months.
- USDA Mortgage Loans: USDA loans encourage homeownership in rural areas. USDA mortgage lenders go down to a 500+ credit score.
- No Tax Return Florida Mortgage Lenders – Florida bad credit cashout mortgage refinance with no tax returns using W2 and or 1099 to qualify. Note: these loans are approved based on payment history, not so much credit score. No more than two 30-day late payments or one 60-day late payment in the last 24 months.
- Rent To Own Florida FHA Mortgage Lenders– Our Rent To Own Florida FHA Mortgage Lenders allow you to PICK OUT THE HOME OF YOUR CHOICE listed for sale on the MLS and rent while you build equity. This unique rent-to-own Florida FHA mortgage program allows bad credit Florida mortgage applicants to first get pre-approved and then pick out the home of their choice. This option allows you time to position your credit and finances to qualify for an FHA mortgage.
- Refinance While In Probate Stop Foreclosure – Probate Financing: If estate expenses exceed the funds the administrator can provide upfront or is willing to advance, we offer financing options. Our financing is based solely on the estate, not your financial situation. Inheritance Advance: Should family members need access to their inheritance before probate concludes, we provide advances to heirs, which are later deducted from the heir’s
distribution. Advances do not impact other heirs’ inheritances.
Florida Divorce Buy-Out Agreement Example
Refinance Florida Divorce Buy-Out Steps:
- Estimate the market value of the home, for example, = 500k
- Add up all the liens and determine the equity. Estimate the home value at 500k, and you own 200k in payoffs/liens on your home = 500k value – 200k in payoffs = 300k in equity.
- Divide the equity if you’re splitting it 50/50: 300k or 150k each.
Key Pieces To A Divorce Buy-Out Agreement:
- Parties Involved In Refinance, Divorce BuyOut: Identifies the property owner (landlord) and the individual or entity being asked to vacate (tenant or other party).Property Description: Specifies the address and a description of the property being subject to the Divorce BuyOut.
- Divorce BuyOut Consideration Amount: Details about the payment or other consideration offered by the property seller/owner.
- Reason for Refinance Divorce BuyOut: The Divorce BuyOut might state the reason for the Divorce BuyOut, such as the property owner’s plans for the property.
- Vacation Date: Sets a specific date by which the party is asked to leave or vacate the property.
- Consequences of Non-Compliance: Outlines what happens if the tenant or other party fails to vacate the property by the agreed-upon date.
- Other Refinance Divorce BuyOut Conditions: Your Divorce BuyOut might include clauses regarding property condition, utilities, and any other relevant terms.
- Where to Find a Florida Divorce Buy-Out Agreement:Online: Several websites offer free or paid templates for real estate Divorce buy-out agreements.
- Legal Help: We recommend consulting a Florida divorce real estate attorney or a legal professional specializing in Florida Divorce BuyOut to help you draft or review your Florida agreement. Search the Florida bar for marital and family law certified lawyers.
Refinance Divorce Buy-Out Partner In Florida:
- Legal Review: It’s highly recommended to have the agreement reviewed by a legal professional before signing it to ensure it is enforceable and protects the parties’ interests.
- Clarity and Specificity: The agreement should be clear, concise, and specifically outline the terms and conditions of the Divorce BuyOut.
- Compliance with Florida Law: The agreement must comply with Florida’s landlord-tenant laws and other applicable regulations.
- Example: A Florida property owner might offer a tenant a financial Divorce BuyOut to voluntarily leave a property that they intend to renovate or convert to another use. The Divorce BuyOut agreement would outline the amount of the Divorce BuyOut, the date by which the tenant must vacate, and any other relevant conditions if the tenant does not vacate by the specified date.
Florida Divorce Buy Out Refinance Locations:
| Alachua | Alachua County |
| Alford | Jackson County |
| Altamonte Springs | Seminole County |
| Altha | Calhoun County |
| Anna Maria | Manatee County |
| Apalachicola | Frankin County |
| Apopka | Orange County |
| Arcadia | DeSoto County |
| Archer | Alachua County |
| Astatula | Lake County |
| Atlantic Beach | Duval County |
| Atlantis | Palm Beach County |
| Auburndale | Polk County |
| Aventura | Miami-Dade County |
| Avon Park | Highlands County |
| Bal Harbor | Miami-Dade County |
| Baldwin | Duval County |
| Bartow | Polk County |
| Bascom | Jackson County |
| Bay Harbor Islands | Miami-Dade County |
| Bay Lake | Orange County |
| Bell | Gilchrist County |
| Belle Glade | Palm Beach County |
| Belle Isle | Orange County |
| Belleair | Pinellas County |
| Belleair Beach | Pinellas County |
| Belleair Bluffs | Pinellas County |
| Belleair Shore | Pinellas County |
| Belleview | Marion County |
| Beverly Beach | Flagler County |
| Biscayne Park | Miami-Dade County |
| Blountstown | Calhoun County |
| Boca Raton | Palm Beach County |
| Bonifay | Holmes County |
| Bonita Springs | Lee County |
| Bowling Green | Hardee County |
| Boynton Beach | Palm Beach County |
| Bradenton Beach | Manatee County |
| Bradenton | Manatee County |
| Branford | Suwannee County |
| Briny Breezes | Palm Beach County |
| Bristol | Liberty County |
| Bronson | Levy County |
| Brooker | Bradford County |
| Brooksville | Hernando County |
| Bunnell | Flagler County |
| Bushnell | Sumter County |
| Callahan | Nassau County |
| Callaway | Bay County |
| Cambelton | Jackson County |
| Cape Canaveral | Brevard County |
| Cape Coral | Lee County |
| Carrabelle | Frankin County |
| Caryville | Washington County |
| Casselberry | Seminole County |
| Cedar Grove | Bay County |
| Cedar Key | Levy County |
| Center Hill | Sumter County |
| Century | Escambia County |
| Chattahoochee | Gadsden County |
| Chiefland | Levy County |
| Chipley | Washington County |
| Cinco Bayou | Okaloosa County |
| Clearwater | Pinellas County |
| Clermont | Lake County |
| Clewiston | Hendry County |
| Cloud Lake | Palm Beach County |
| Cocoa | Brevard County |
| Cocoa Beach | Brevard County |
| Coconut Creek | Broward County |
| Coleman | Sumter County |
| Cooper City | Broward County |
| Coral Gables | Miami-Dade County |
| Coral Springs | Broward County |
| Cottondale | Jackson County |
| Crawfordville | Wakulla County |
| Crescent City | Putnam County |
| Crestview | Okaloosa County |
| Cross City | Dixie County |
| Crystal River | Citrus County |
| Dade City | Pasco County |
| Dania Beach | Broward County |
| Davenport | Polk County |
| Davie | Broward County |
| Daytona Beach | Volusia County |
| Daytona Beach Shores | Volusia County |
| DeBary | Volusia County |
| Deerfield Beach | Broward County |
| DeFuniak Springs | Walton County |
| DeLand | Volusia County |
| Delray Beach | Palm Beach County |
| Deltona | Volusia County |
| Destin | Okaloosa County |
| Doral | Miami-Dade County |
| Dundee | Polk County |
| Dunedin | Pinellas County |
| Dunnellon | Marion County |
| Eagle Lake | Polk County |
| Eatonville | Orange County |
| Ebro | Washington County |
| Edgewater | Volusia County |
| Edgewood | Orange County |
| El Portal | Miami-Dade County |
| Esto | Holmes County |
| Eustis | Lake County |
| Everglades City | Collier County |
| Fanning Springs* | Gilchrist County |
| Fanning Springs* | Levy County |
| Fellsmere | Indian River County |
| Fernandina Beach | Nassau County |
| Flagler Beach | Flagler County |
| Florida City | Miami-Dade County |
| Fort Lauderdale | Broward County |
| Fort Meade | Polk County |
| Fort Myers Beach | Lee County |
| Fort Myers | Lee County |
| Fort Pierce | St. Lucie County |
| Fort Walton Beach | Okaloosa County |
| Fort White | Columbia County |
| Freeport | Walton County |
| Frostproof | Polk County |
| Fruitland Park | Lake County |
| Gainesville | Alachua County |
| Glen Ridge | Palm Beach County |
| Glen Saint Mary | Baker County |
| Golden Beach | Miami-Dade County |
| Golf | Palm Beach County |
| Golfview | Palm Beach County |
| Graceville | Jackson County |
| Grand Ridge | Jackson County |
| Green Cove Springs | Clay County |
| Greenacres | Palm Beach County |
| Greensboro | Gadsden County |
| Greenvilee | Madison County |
| Greenwood | Jackson County |
| Gretna | Gadsden County |
| Groveland | Lake County |
| Gulf Breeze | Santa Rosa County |
| Gulf Stream | Palm Beach County |
| Gulfport | Pinellas County |
| Haines City | Polk County |
| Hallandale | Broward County |
| Hampton Beach | Bradford County |
| Hastings | St. Johns County |
| Havana | Gadsden County |
| Haverhill | Palm Beach County |
| Hawthorne | Alachua County |
| Hialeah | Miami-Dade County |
| Hialeah Gardens | Miami-Dade County |
| High Springs | Alachua County |
| Highland Beach | Palm Beach County |
| Highland Park | Polk County |
| Hillcrest Heights | Polk County |
| Hilliard | Nassau County |
| Hillsboro Beach | Broward County |
| Holly Hill | Volusia County |
| Hollywood | Broward County |
| Holmes Beach | Manatee County |
| Homestead | Miami-Dade County |
| Horseshoe Beach | Dixie County |
| Howey-in-the-Hills | Lake County |
| Hupoluxo | Palm Beach County |
| Indialantic | Brevard County |
| Indian Creek | Miami-Dade County |
| Indian Harbour Beach | Brevard County |
| Indian River Shores | Indian River County |
| Indian Rocks Beach | Pinellas County |
| Indian Shores | Pinellas County |
| Inglis | Levy County |
| Interlachen | Putnam County |
| Inverness | Citrus County |
| Islamorada | Monroe County |
| Islandia | Miami-Dade County |
| Jacksonville Beach | Duval County |
| Jacksonville | Duval County |
| Jacob | Jackson County |
| Jasper | Hamilton County |
| Jay | Santa Rosa County |
| Jennings | Hamilton County |
| Juno Beach | Palm Beach County |
| Jupiter | Palm Beach County |
| Jupiter Inlet Colony | Palm Beach County |
| Jupiter Island | Martin County |
| Kenneth City | Pinellas County |
| Key Biscayne | Miami-Dade County |
| Key Colony Beach | Monroe County |
| Key West | Monroe County |
| Keystone Heights | Clay County |
| Kissimmee | Osceola County |
| La Crosse | Alachua County |
| LaBelle | Hendry County |
| Lady Lake | Lake County |
| Lake Alfred | Polk County |
| Lake Buena Vista | Orange County |
| Lake Butler | Union County |
| Lake City | Columbia County |
| Lake Clarke Shores | Palm Beach County |
| Lake Hamilton | Polk County |
| Lake Helen | Volusia County |
| Lake Mary | Seminole County |
| Lake Park | Palm Beach County |
| Lake Placid | Highlands County |
| Lake Wales | Polk County |
| Lake Worth | Palm Beach County |
| Lakeland | Polk County |
| Lantana | Palm Beach County |
| Largo | Pinellas County |
| Lauderdale Lakes | Broward County |
| Lauderdale-by-the-Sea | Broward County |
| Lauderhill | Broward County |
| Laurel Hill | Okaloosa County |
| Lawtey | Bradford County |
| Layton | Monroe County |
| Lazy Lake | Broward County |
| Lee | Madison County |
| Leesburg | Lake County |
| Lighthouse Point | Broward County |
| Live Oak | Suwannee County |
| Longboat Key* | Sarasota County |
| Longboat Key* | Manatee County |
| Longwood | Seminole County |
| Lynn Haven | Bay County |
| Macclenny | Baker County |
| Madeira Beach | Pinellas County |
| Madison | Madison County |
| Maitland | Orange County |
| Malabar | Brevard County |
| Malone | Jackson County |
| Manalapan | Palm Beach County |
| Mangonia Park | Palm Beach County |
| Marathon | Monroe County |
| Marco Island | Collier County |
| Margate | Broward County |
| Marianna | Jackson County |
| Marineland* | St. Johns County |
| Marineland* | Flagler County |
| Mary Esther | Okaloosa County |
| Mascotte | Lake County |
| Mayo | Lafayette County |
| McIntosh | Marion County |
| Medley | Miami-Dade County |
| Melbourne | Brevard County |
| Melbourne Beach | Brevard County |
| Melbourne Village | Brevard County |
| Mexico Beach | Bay County |
| Miami Beach | Miami-Dade County |
| Miami Gardens | Miami-Dade County |
| Miami Lakes | Miami-Dade County |
| Miami Shores Village | Miami-Dade County |
| Miami Springs | Miami-Dade County |
| Miami Florida | Miami-Dade County |
| Micanopy | Alachua County |
| Midway | Gadsden County |
| Milton | Santa Rosa County |
| Minneola | Lake County |
| Miramar | Broward County |
| Monticello | Jefferson County |
| Montverde | Lake County |
| Moore Haven | Glades County |
| Mount Dora | Lake County |
| Mulberry | Polk County |
| Naples | Collier County |
| Neptune Beach | Duval County |
| New Port Richey | Pasco County |
| New Smyrna Beach | Volusia County |
| Newberry | Alachua County |
| Niceville | Okaloosa County |
| Noma | Holmes County |
| North Bay Village | Miami-Dade County |
| North Lauderdale | Broward County |
| North Miami | Miami-Dade County |
| North Miami Beach | Miami-Dade County |
| North Palm Beach | Palm Beach County |
| North Port | Sarasota County |
| North Redington Beach | Pinellas County |
| Oak Hill | Volusia County |
| Oakland | Orange County |
| Oakland Park | Broward County |
| Ocala | Marion County |
| Ocean Breeze Park | Martin County |
| Ocean Ridge | Palm Beach County |
| Ocoee | Orange County |
| Okeechobee | Okeechobee County |
| Oldsmar | Pinellas County |
| Opa-locka | Miami-Dade County |
| Orange City | Volusia County |
| Orange Park | Clay County |
| Orchid | Indian River County |
| Orlando | Orange County |
| Ormond Beach | Volusia County |
| Otter Creek | Levy County |
| Oviedo | Seminole County |
| Pahokee | Palm Beach County |
| Palatka | Putnam County |
| Palm Bay | Brevard County |
| Palm Beach | Palm Beach County |
| Palm Beach Shores | Palm Beach County |
| Palm Beach Gardens | Palm Beach County |
| Palm Coast | Flagler County |
| Palm Shores | Brevard County |
| Palm Springs | Palm Beach County |
| Palmetto | Manatee County |
| Palm Harbor | Pinellas County |
| Palmetto Bay | Miami-Dade County |
| Panama City | Bay County |
| Panama City Beach | Bay County |
| Parker | Bay County |
| Parkland | Broward County |
| Paxton | Walton County |
| Pembroke Park | Broward County |
| Pembroke Pines | Broward County |
| Penney Farms | Clay County |
| Pensacola | Escambia County |
| Perry | Taylor County |
| Pierson | Volusia County |
| Pine Crest | Miami-Dade County |
| Pinellas Park | Pinellas County |
| Plant City | Hillsborough County |
| Plantation | Broward County |
| Polk City | Polk County |
| Pomona Park | Putnam County |
| Pompano Beach | Broward County |
| Ponce De Leon | Holmes County |
| Ponce Inlet | Volusia County |
| Port Ornage | Volusia County |
| Port Richey | Pasco County |
| Port St. Lucie | St. Lucie County |
| Port St. Joe | Gulf County |
| Punta Gorda | Charlotte County |
| Quincy | Gadsden County |
| Raiford | Union County |
| Reddick | Marion County |
| Redington Beach | Pinellas County |
| Redington Shores | Pinellas County |
| Riviera Beach | Palm Beach County |
| Rockledge | Brevard County |
| Royal Palm Beach | Palm Beach County |
| Safety Harbor | Pinellas County |
| Saint Leo | Pasco County |
| San Antonio | Pasco County |
| Sanford | Seminole County |
| Sanibel | Lee County |
| Sarasota | Sarasota County |
| Satellite Beach | Brevard County |
| Sea Ranch Lakes | Broward County |
| Sebastian | Indian River County |
| Seabring | Highlands County |
| Seminole | Pinellas County |
| Sewall’s Point | Martin County |
| Shalimar | Okaloosa County |
| Sneads | Jackson County |
| Sopchoppy | Wakulla County |
| South Bay | Palm Beach County |
| South Daytona | Volusia County |
| Sounty Miami | Miami-Dade County |
| South Palm Beach | Palm Beach County |
| South Pasadena | Pinellas County |
| Southwest Ranches | Bay County |
| Springfield | Bay County |
| St. Augustine Beach | St. Johns County |
| St. Augustine | St. Johns County |
| St. Cloud | Osceola County |
| St. Lucie Village | St. Lucie County |
| St. Marks | Wakulla County |
| St. Pete Beach | Pinellas County |
| St. Petersburg | Pinellas County |
| Starke | Bradford County |
| Stuart | Martin County |
| Sun City Center | Hillsborough County |
| Sunny Hills | Washington County |
| Sunny Isles Beach | Miami-Dade County |
| Sunrise | Broward County |
| Surfside | Miami-Dade County |
| Sweetwater | Miami-Dade County |
| Tallahassee | Leon County |
| Tamarac | Broward County |
| Tampa | Hillsborough County |
| Tarpon Springs | Pinellas County |
| Tavares | Lake County |
| Temple Terrace | Hillsborough County |
| Tequesta | Palm Beach County |
| Titusville | Brevard County |
| Treasure Island | Pinellas County |
| Trenton | Gilchrist County |
| Umatilla | Lake County |
| Valpariso | Okaloosa County |
| Venice | Sarasota County |
| Vernon | Washington County |
| Vero Beach | Indian River County |
| Virginia Gardens | Miami-Dade County |
| Waldo | Alachua County |
| Wauchula | Hardee County |
| Wausau | Washington County |
| Webster | Sumter County |
| Weeki Wachee | Hernando County |
| Welaka | Putnam County |
| Wellington | Palm Beach County |
| West Melbourne | Brevard County |
| West Miami | Miami-Dade County |
| West Palm Beach | Palm Beach County |
| Weston | Broward County |
| Westville | Holmes County |
| Wewahitchka | Gulf County |
| White Springs | Hamilton County |
| Wildwood | Sumter County |
| Williston | Levy County |
| Wilton Manors | Broward County |
| Windermere | Orange County |
| Winter Garden | Orange County |
| Winter Haven | Polk County |
| Winter Park | Orange County |
| Winter Springs | Seminole County |
| Worthington Springs | Union County |
| Yankeetown | Levy County |
| Youngstown | Bay County |
| Zephyrhills | Pasco County |
| Zolfo Springs | Hardee County |
