Not all home improvements go by the book. Whether it’s a garage conversion, bonus room, or second bathroom, many homeowners make changes without pulling the proper permits. While it may not seem like a big deal at the time, unpermitted additions or renovations can come back to bite—especially when it’s time to sell your home.
If you’re a homeowner in Pensacola, here’s what you need to know about unpermitted work, how it affects your property, and why Moe Buys Homes may be your easiest path forward.
What Are Unpermitted Additions?
Unpermitted additions or renovations are any changes made to your home without the approval or inspection required by the local building department.
Common examples include:
- Room additions
- Enclosed patios or carports
- Garage conversions
- Decks and fences
- Plumbing and electrical upgrades
- Basement or attic remodels
These upgrades might improve your space—but without permits, they’re considered non-compliant with local building codes.
Why Unpermitted Work Is a Problem When Selling
Selling a home with unpermitted work can complicate the process in multiple ways:
🚫 Appraisal Issues
Lenders may not include unpermitted square footage or features in the appraised value. That means buyers can have trouble getting a loan—even if the space is usable.
⚠️ Disclosure Requirements
In Florida, sellers are required to disclose known defects or unpermitted work. Failing to do so could result in legal issues later.
🛑 Buyer Concerns
Even cash buyers may hesitate if the addition isn’t up to code. It raises red flags about safety, insurance, and future costs.
🔧 Risk of Penalties
The City of Pensacola or Escambia County can fine homeowners for unpermitted work—or require it to be torn down or brought up to code.
Why Permits Matter in Pensacola
Local building codes exist to ensure safety, structural integrity, and legal compliance. In Pensacola, unpermitted work might:
- Violate hurricane standards
- Fail flood zone regulations
- Affect property taxes or zoning laws
That’s why local authorities take it seriously—and why traditional buyers often walk away.
Your Options as a Homeowner
If your home has unpermitted work, you typically have three choices:
- Retroactively Permit the Work
This involves hiring professionals, opening walls for inspection, and possibly making costly updates. - Sell As-Is (With Full Disclosure)
This limits your buyer pool and often results in a discounted sale price. - Sell to a Local Cash Buyer Like Moe Buys Homes
We buy houses as-is, no permits needed. No repairs. No inspections. No drama.
Why Pensacola Sellers Choose Moe Buys Homes
At Moe Buys Homes, we understand life happens. Whether the work was done by a previous owner or a DIY project got out of hand, we don’t judge—we help.
✅ We Buy As-Is – No need to retroactively permit or make repairs
✅ No Inspections or Delays – We skip the red tape
✅ No Agent Fees or Commissions
✅ Fast Closings – In as little as 7 days
✅ Local Knowledge – We understand Pensacola building codes and market conditions
Final Thoughts
Unpermitted additions and renovations can be a roadblock when selling—but they don’t have to be. If your home has work that wasn’t permitted and you want to avoid the headaches of retrofitting or disclosure battles, Moe Buys Homes offers a simpler solution.
We buy homes across Pensacola—no permits, repairs, or stress required.
Have unpermitted work on your property?
Reach out today and get a fast, fair, no-obligation cash offer from Moe Buys Homes.