What we handle on a hoarder house
Families who call about a hoarder house have usually been circling it for years, and the first thing they need is somebody who treats it as ordinary. It is ordinary to us. We have walked a great many of these houses on Long Island and there is nothing in yours we have not seen.
We clear the property ourselves after closing, at our cost. We will walk a hoarder house without comment. We can move quickly or wait months. And if the owner needs support rather than a sale right now, we would rather help you find it than push a transaction nobody is ready for.
You do not have to empty a Smithtown hoarder house to sell it
Families routinely spend weeks and several thousand dollars on dumpsters before calling us, believing no buyer will look at a hoarder house otherwise. That money is simply gone, because we were always going to clear it ourselves.
Take the things that matter to somebody. Leave the rest exactly where it sits. That is not us being accommodating, it is how we prefer to buy these, because it lets us see what we are actually buying.
Why local knowledge changes the number
A house on Kent Place. In Smithtown, bought and paid for by us.
Smithtown is roughly 25,629 people in Suffolk County, ZIP 11787, and the housing stock is mostly colonial, split-level, ranch. Around Main Street and the Smithtown Bull, most of it is old enough that the mechanicals are on their second or third life. The Smithtown stop pulls buyers who commute, which supports the good houses and does very little for the ones that need a roof. We have been buying across Suffolk County for 15+ years. We know what the Smithtown Central School District does to a resale price, which blocks still have oil tanks in the ground, and what a house like yours is actually worth here.
What we are actually assessing in a hoarder house
Years in these houses means we can read one quickly. In a hoarder house we are judging the structure, the systems, and whether there is water damage concealed under the accumulation, not the accumulation itself.
Most of the time we know enough within twenty minutes. We do not need the hoarder house opened up, photographed, or explained, and we are not going to ask anybody how it got this way.
Selling a hoarder house in Smithtown discreetly
Nobody needs to know. No sign goes up in Smithtown, no photographs go online, and nobody walks through the hoarder house except us.
That matters more than people expect, particularly when the owner is still alive and still has neighbors who have known them thirty years. Discretion is a standard part of how we buy these, and you do not have to negotiate for it.
What you do not pay when you sell a hoarder house
Every line below is a cost of listing a hoarder house the retail way that simply does not arise here.
- Agent commission
- $39,875 at 5% of the Smithtown median none
- Seller closing costs
- About $15,950 on a $797,500 sale. We can cover these. none
- Repairs to make it listable
- Whatever the house needs, paid up front none
- Cleanout and removal
- Charged by the truckload, and done before the first showing none
- Carrying costs while it waits
- Taxes, insurance and utilities for the 68 to 83 days of finding a buyer and waiting on their mortgage none
If the owner is not ready
Adult children frequently call us before the parent has agreed to anything, which is understandable and puts everyone in an awkward spot.
We are glad to give you a figure for the hoarder house to work with. We will not contact the owner directly and we will not become one more source of pressure on a family that already has plenty. Plenty of hoarder house calls end with no sale at all, and that is fine. If what is needed first is a professional organizer or a clinician who works with hoarding, say so and we will make an introduction.
What the two paths cost in Smithtown
These are the two routes open to you with a hoarder house, priced against what Smithtown houses actually sell for.
Work it against Smithtown's own numbers. The median sale here is $797,500. A 5% commission on that is $39,875, and seller closing costs of about 2% add roughly $15,950. Those are costs we can cover on our side. That is $55,825 gone before anyone counts the repairs it took to get the house listable.
There are two waits in a listed sale and people usually only count the first. In Smithtown the median house takes about 23 days to go from listed to a signed contract. Then it waits again, typically 45 to 60 days, while the buyer's lender orders an appraisal and underwrites the loan. Call it 68 to 83 days from sign to keys, assuming nothing goes wrong.
The part worth understanding is what a signed contract actually guarantees, which is less than most sellers assume. A retail buyer with a mortgage contingency can walk away right up to the end. If they do not qualify, if the appraisal comes in under the price, if they change their mind and let the financing lapse. A share of deals die exactly there, after months of waiting, and the house goes back on the market with time on it. We are not borrowing anything, so there is no lender to satisfy, no appraisal to come in low and no contingency to exercise.
| Listing with an agent | Selling to us | |
|---|---|---|
| Sale price | $797,500 (Smithtown median) | Our written offer |
| Commission | −$39,875 | None |
| Seller closing costs | −$15,950 | We can cover them |
| Repairs before listing | Out of pocket | None |
| Cleanout | Yours | Ours |
| Showings | Until it sells | One visit |
| Listed to signed contract | 23 days (Smithtown median, once listable) | 24 hours to a written offer |
| Contract to closing | 45 to 60 days (waiting on the buyer's lender) | A date you choose |
| Total wait | 68 to 83 days if nothing falls through | Yours to set |
| Can the buyer walk? | Yes (mortgage contingency runs to the end) | No financing to fall through |
| Before repairs and carrying | $741,675 | The number we put in writing |
The listing column assumes a 5% commission and seller closing costs of about 2%. Both vary. We have not subtracted repairs or the cost of carrying the house while it sits, because those depend on the property. A house in good condition listed with a good agent can absolutely beat a cash offer, and we will say so if that is your situation.
What clearing a Smithtown hoarder house costs if you do it yourself
A hoarder house cleanout done properly is not a weekend and a pickup truck. It is dumpsters, labor, disposal fees for anything that cannot go in a regular container, and frequently work on the floors that were underneath it all.
We absorb that entirely. It is priced into our number rather than billed to you, which means you are never out of pocket on a house you are trying to get rid of.
Common questions
Is it safe for you to go into a hoarder house?
We will judge that when we arrive, and if it is not, we work from the outside and from whatever you can show us. We are not going to ask anyone to clear a path through a hoarder house for our benefit.
Will you throw away things that matter to the family?
Not if you tell us first. Photographs, documents, jewelry and keepsakes turn up constantly in a hoarder house cleanout, and we set those aside rather than bin them when we know to look.
Does the hoarder house need a cleanout before closing?
No. We buy with the contents in place and clear it ourselves afterward, at our cost. Nothing has to leave the hoarder house before the closing except what the family wants to keep.
Will anyone in Smithtown know the house sold this way?
No. A hoarder house sale to us involves no marketing at all, which is precisely why families in Smithtown choose it over listing with an agent.
The owner is still living in the Smithtown house. Can you still make an offer?
Yes, and we can set a closing date far enough out to arrange somewhere for them to go. We will not contact the owner directly unless the family asks us to.