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FLOATING HOME BUYERS

What it Really Takes to Buy a Floating Home

Buying a floating home is very different from buying a traditional house—and that’s part of what makes this lifestyle so special. These homes come with their own set of processes, professionals, and considerations that most buyers don’t encounter anywhere else. Understanding those differences early on helps you make confident, informed decisions.

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Specialized Inspections & Diving Assessments

Because floating homes sit on water, they require inspections you won’t find in a standard home purchase.


A diver is often brought in to evaluate:

  • the condition of the float,

  • underwater structural components,

  • moorage integrity,

  • and any potential issues below the surface.

This is a crucial step in understanding the long-term health and value of the home, and I coordinate all of this for you.

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Financing Through the Right Lenders

Floating homes cannot be financed with just any lender. Only a handful of lenders in Washington specialize in this type of property, and they understand the nuances of underwriting a home that isn’t built on land.


I maintain strong working relationships with the lenders who consistently get these deals done, and I’ll make sure you’re connected with the right one from the very beginning.

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Understanding Value in a Small, Intimate Market.

With only about 500 floating homes in all of Seattle, this is an incredibly tight-knit marketplace. Values don’t track the same way they do for traditional real estate, and online price estimates are often wildly inaccurate.

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After more than 15 years specializing in floating homes, I’ve followed every sale, every dock, every trend, and every shift in pricing. I know:

  • what drives value,

  • what makes one floating home more desirable than another,

  • how different docks and moorages impact long-term equity,

  • and how to interpret price history in a way that helps you avoid overpaying.

This experience allows me to guide buyers not just to the right home, but also to the right investment within this very limited market.

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A Lifestyle Choice You Should Feel Confident About

Buying a floating home is more than a transaction—it’s entering a community and choosing a lifestyle shaped by the water, the docks, and the people who call these places home. My job is to help you understand every step of the process so that when you do make an offer, you’ll feel grounded, informed, and excited for what’s ahead.

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Molly Cartwright (she/her)
Broker | Luxury Advisor

206-841-6800  molly@windermere.com
Windermere Real Estate Midtown Seattle-Lakeview
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Claims of Copyright Infringement & Related Issues

Disclaimer: The information contained in this listing has not been verified by Northwest Multiple Listing Service (NWMLS) - 21 - WA and should be verified by the buyer. The database information herein is provided from and copyrighted by the Northwest Multiple Listing Service (NWMLS). NWMLS data may not be reproduced or redistributed and is only for people viewing this site. Listings that feature the "three tree" icon are provided courtesy of NWMLS. All information provided is deemed reliable but is not guaranteed and should be independently verified. All properties are subject to prior sale or withdrawal. All rights are reserved by copyright.

Copyright 2022 Northwest Multiple Listing Service. All rights reserved.

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All Content © 2020-Present Molly Cartwright   blog

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