We buy houses in St. Louis, MO
— cash offers and creative solutions
Close With Creative buys houses throughout the St. Louis area. Tell us about your St. Louis property and within 24 hours you get every structure it qualifies for: a cash offer at 70-80% of market value closing in 7-14 days, creative financing at 90-110% of market value closing in 30-60 days, a novation at 85-95% of final sale price closing in 45-90 days, or a wholesale offer at 65-75% of market value closing in 14-30 days. You make no repairs, pay no agent commission, and pay no closing costs. You pick which path and which date.
To sell a house fast in St. Louis, MO: request an offer from Close With Creative, receive all four structures within 24 hours, and close on your chosen date. Cash closes in 7-14 days; creative financing pays 90-110% of market value over 30-60 days. There is no fee to the seller on any path.
Selling a house in St. Louis: the occupancy permit, December 31 taxes and the land tax sale
St. Louis city runs most of what a seller needs from City Hall, 1200 Market Street.
The residential occupancy permit
The Building Division, Room 426, 314-622-3313, issues a Residential Occupancy Permit, also called a Housing Conservation Inspection. The city says one is needed before a vacant residential unit is occupied and for the sale of an occupied structure when no Certificate of Inspection has been issued in the last 12 months. The standard application fee is $120. For an occupied dwelling with no current certificate the fee is $200. Apply online at stlcitypermits.com or at City Hall, 4th floor, Room 425. The inspection is a basic check for minimal interior code violations and minimum exterior standards, and water and electric must be on. It can be scheduled no sooner than three business days after applying and no later than 15 days after. A certificate lasts 12 months. If it is issued with violations, the owner has 30 days to make repairs, and extensions may be granted. The city says the inspection does not speak to the overall condition of the building.
Taxes and the tax sale
The Collector of Revenue, Room 110, 314-622-4101, says real estate taxes are due by December 31. A notice goes out each November, and taxes unpaid after January 1 are subject to interest and penalty. The Assessor, Room 120, reassesses every other year, in odd-numbered years. For unpaid taxes the city holds land tax sales. The Sheriff's office, 10 N. Tucker Boulevard, 8th floor of the Civil Courts Building, 314-622-4851, describes them as auctions of properties whose owners have not paid real estate taxes, and posts the list of properties two weeks before each sale. The Collector's page says late taxpayers face fees, penalties and a possible sale to recover what is owed.
Recording a deed
The Recorder of Deeds is in Room 128 at City Hall. Land records recording and archives are open 8 a.m. to 5 p.m., Monday through Friday.
Vacant city-owned buildings
The Land Reutilization Authority and other city organizations own vacant structures and make them available to buy for rehabilitation. The Building Division also demolishes vacant buildings.
Sources
- City of St. Louis: Residential Occupancy Permit
- City of St. Louis: Building Division
- City of St. Louis: Real Estate Tax, Collector of Revenue
- City of St. Louis: Collector of Revenue
- City of St. Louis: Assessor
- City of St. Louis: Sheriff
- City of St. Louis: Recorder of Deeds
- City of St. Louis: Real Estate, Land Reutilization Authority
Whatever you are facing, there is a path
Life rarely sells a home on schedule. These are the situations we are asked about most, and what each one actually changes about your options.
Four ways to sell in St. Louis
Most home-buying companies give you one number. We price your property against all four structures and show you every outcome side by side, so the choice is yours.
Three steps to sell your St. Louis home
- 1
Tell us about the property
A three-minute form or a phone call. We ask what the St. Louis property is, what condition it is in, and what you are trying to achieve. No obligation and no cost.
- 2
Get every structure it qualifies for, within 24 hours
Not one number. We price the property against all four structures and show you what each one pays and how long each one takes, side by side.
- 3
Pick the path and the closing date
You choose. We handle title, the paperwork and the closing costs, and you pick the date that works.
What MO sellers say
Real results from St. Louis-area homeowners
“Job relocation from St. Louis to Phoenix with 3 weeks notice. I couldn't list and wait. They had an offer in my hands the next morning and we closed before I started my new job. The creative finance option was something no other buyer even mentioned.”
James E.
St. Louis, MO
“Fire damage to my St. Louis home made it impossible to sell traditionally. Insurance barely covered the repairs. They evaluated the property, presented a fair cash offer within 24 hours, and closed before my temporary housing ran out.”
Michael J.
St. Louis, MO
“My St. Louis triplex had two vacant units and one tenant who refused to leave. I was losing money every month. They bought it with the tenant in place, handled everything legally, and I stopped the bleeding.”
Richard T.
St. Louis, MO
“I was 2 months behind on my mortgage and the mortgage company was sending scary letters every week. Close With Creative called me back within 2 hours, explained my options clearly, and we closed in 16 days. They literally saved my house from foreclosure.”
Margaret A.
St. Joseph, MO
“My uncle passed and left me her house in Kansas City. It needed everything — roof, furnace, the works. I live 2,000 miles away and couldn't deal with contractors. They bought it as-is and I had a check in 16 days. The wholesale option got me $35K more than the cash offer.”
Linda B.
Kansas City, MO
“Going through a divorce in Cape Girardeau is expensive enough without paying 6% realtor commissions. Close With Creative gave us a fair cash offer, handled everything through the title company, and both parties walked away satisfied. Professional and discreet.”
David C.
Cape Girardeau, MO
What every St. Louis homeowner should know before selling
These are Missouri rules, and they apply to your sale wherever in the state the property sits. We handle each of them at our cost.
⚖️ Closing Process
Missouri closings are handled by title companies. We coordinate all closing logistics at zero cost to you Missouri Real Estate Commission .
Missouri Real Estate Commission🏛️ Non-Judicial Foreclosure
Missouri uses non-judicial foreclosure through power of sale in the deed of trust, typically completing in about 60 days Missouri Courts .
Missouri Courts💰 Transfer Tax Savings
Missouri has no state transfer tax but some counties charge a nominal recording fee. We cover all closing costs Missouri Dept of Revenue .
Missouri Dept of Revenue📊 Missouri Market Snapshot
Median home price: ~$245,000 (up 4.8% year-over-year). Median days on market: 40. 45% of homes sell above list price. Our guaranteed, no-contingency offers eliminate market uncertainty Missouri Realtors .
Missouri Realtors🗺️ We Know Missouri
From the Gateway Arch in St. Louis to the Country Club Plaza in Kansas City, from the Lake of the Ozarks to Branson shows. Whether eating toasted ravioli in The Hill, catching barbecue on the KC trail, or floating down an Ozarks river - we buy houses in every corner of Missouri.
Other Missouri markets we buy in
Selling a house in St. Louis, MO — common questions
Do you buy houses anywhere in the St. Louis area?
Yes. We buy throughout the St. Louis area and across Missouri, in any condition and any price band. If the property is outside that metro but still in Missouri, we still buy it.
How fast can I get an offer on my St. Louis home?
Within 24 hours of telling us about the property. That covers all four structures, not just a cash number. Cash and wholesale close in 7-14 days and 14-30 days; creative finance and novation take longer because they pay more.
How fast can I sell my house in Missouri?
Close With Creative provides a competitive cash or creative financing offer within 24 hours of evaluating your Missouri property. If you accept, we can close in as little as 7 to 14 days, or on whichever date fits your timeline. Missouri closings are handled by title companies.
Do I need to make repairs before selling my Missouri home?
No. We buy all Missouri properties completely as-is. You do not need to clean, paint, repair the roof, fix the foundation, or address code violations. We handle all maintenance and renovation after closing.
Are there any fees or commissions when selling to Close With Creative in Missouri?
Zero. No agent commissions, no listing fees, no closing costs. Missouri has no state transfer tax but some counties charge a nominal recording fee. We cover all closing costs. The offer you accept is exactly what you receive at closing.
What types of properties does Close With Creative buy in Missouri?
We purchase single-family homes, townhouses, condos, duplexes, multi-family properties, mobile homes, vacant land, and commercial properties throughout Missouri. Any condition — fire damage, water damage, outdated, code violations, or perfectly maintained.
How does Missouri's foreclosure process work?
Missouri uses non-judicial foreclosure through power of sale in the deed of trust, typically completing in about 60 days. Selling to Close With Creative before foreclosure completes protects your credit and preserves your equity.
What is the difference between a cash offer and creative financing in Missouri?
A cash offer means we pay the full price at closing using our own funds, typically within 7 to 14 days. Creative financing structures the purchase over time, often resulting in a higher total payout — sometimes 90% to 110% of market value. We present both options along with novation and wholesale paths so Missouri sellers can choose the best fit.
Can I sell my Missouri house if I still have a mortgage?
Yes. Most Missouri homeowners who sell to us still carry a mortgage. At closing, your existing mortgage is paid off from the sale proceeds through the title company. If you owe more than your home is worth, we may still have creative solutions available.
How do transfer taxes or closing costs work in Missouri?
Missouri has no state transfer tax but some counties charge a nominal recording fee. We cover all closing costs.
What Missouri cities and areas do you serve?
We buy properties across all of Missouri's major markets. From the Gateway Arch in St. Louis to the Country Club Plaza in Kansas City, from the Lake of the Ozarks to Branson shows. If it's in Missouri, we'll make an offer.
How do you determine the offer price for my Missouri property?
We analyze recent comparable sales, current market conditions, property condition, and repair estimates. Missouri's median home price is approximately $245,000 with homes selling in about 40 days on market. Our valuation process is fully transparent — we share the data behind every offer.
Get your free offer options in St. Louis today
Tell us about the property and we will come back within 24 hours with every structure it qualifies for. No fee, no obligation, and you pick the closing date.