If you're currently hunting for a formula 350 ss for sale by owner, you probably already know that these boats are basically the gold standard for high-end performance cruisers. Finding one directly from an individual can be a bit of a treasure hunt, but it's often the best way to get a well-maintained vessel without the extra markup you'd find at a big dealership. There's something about the 350 Sun Sport that just hits different—it's fast, it's heavy enough to handle a bit of chop, and it looks like a million bucks on the water.
When you start looking at private listings, you're usually dealing with someone who has spent their weekends polishing the stainless steel and making sure the engines are flushed after every run. That personal connection to the boat's history is exactly why many seasoned boaters prefer the "by owner" route.
Why the Formula 350 SS is Such a Crowd Pleaser
The Formula 350 SS is one of those rare boats that manages to be two things at once. On one hand, it's a legitimate performance boat. Thanks to the FAS3Tech hull design, it cuts through waves with a level of stability that makes you feel safe even when you're pushing the throttles forward. On the other hand, it's a luxury day boat with a cabin that's actually usable.
Most people who look for a formula 350 ss for sale by owner are looking for that specific blend of speed and comfort. You've got a massive cockpit area where everyone can hang out, a walk-through windshield for easy bow access, and a swim platform that's perfect for those long afternoons anchored in a quiet cove. It isn't just a boat; it's a platform for making memories, and Formula builds them to last a lifetime.
The Power Behind the Beauty
Most 350 SS models you'll find on the private market are powered by twin MerCruiser or Volvo Penta engines. Depending on the year and the original owner's choices, you're looking at anywhere from 300 to 430 horsepower per side. If you find one with the "Big Block" engines, you're going to get some serious top-end speed, often pushing past 50 or 55 mph.
When you're chatting with an owner, ask about the Bravo III or Volvo DuoProp drives. These dual-prop setups provide incredible grip on the water, making docking a breeze and helping the boat plane out much faster than a single-prop system. If the boat has been kept in saltwater, pay extra attention to the risers and manifolds—these are the kinds of details a private seller should be able to tell you all about.
The Benefits of Buying Directly from an Owner
The biggest perk of finding a formula 350 ss for sale by owner is the transparency. When you walk onto a dealership lot, the salesperson might not know if the previous owner was meticulous about winterization or if they skipped a season of service. But when you're standing on the dock with the actual owner, you can ask the real questions.
- How often did they change the oil?
- Where did they usually cruise?
- Are there any "quirks" with the electronics?
- Do they have the original service records?
Most owners who are selling a boat of this caliber take a lot of pride in it. They'll likely show you exactly how the windlass works, where the hidden storage spots are, and maybe even give you their favorite GPS coordinates for the best lunch spots. Plus, you're cutting out the middleman, which can sometimes save you thousands of dollars that you can put toward your first summer of fuel and slip fees.
What to Look for During Your Inspection
Even if the boat looks pristine, you've got to do your homework. Formula uses a high-end Imron paint finish rather than just standard gelcoat for their graphics. It stays shiny for years, but if it's been scratched or faded from sitting in the sun without a cover, it can be expensive to fix. Look closely at the hull for any signs of dock rash or "spider cracks" in the gelcoat.
Don't forget to check the upholstery. Formula uses high-grade vinyl, but sun and salt are undefeated champions. Look for any pulled seams or hardening of the material. If the owner has kept the cockpit cover on religiously, the interior should still feel soft and look vibrant.
The Cabin and Amenities
While the 350 SS is officially a "Sun Sport," the cabin is surprisingly plush. If you're planning on doing some overnighting, this boat has you covered. It usually features an Ultraleather lounge that converts into a double berth, a small but functional galley with a microwave and fridge, and a private head with a shower.
When you're looking at a formula 350 ss for sale by owner, make sure to test the air conditioning and the generator (if it has one). These are high-ticket items that you want to see running smoothly. A boat that's been sitting for a year might have a generator that's a bit grumpy, so definitely have the owner fire it up and let it run under load while you check the rest of the cabin.
The Importance of a Professional Survey
I know it's tempting to just take the owner's word for it, especially if they seem like a great person, but you should always get a marine survey. A surveyor is going to look at things you won't, like the moisture levels in the fiberglass or the health of the fuel tanks.
For a boat like the Formula 350 SS, it's also a great idea to get a mechanical inspection. Have a tech plug into the engine computers to check the total hours and look for any history of overheating or fault codes. It's a small investment that gives you total peace of mind before you sign that bill of sale.
Negotiating the Deal
Buying a boat privately is a bit of a dance. You want a fair price, and the seller wants to feel like their "baby" is going to a good home. Once you've done your walkthrough and have the survey results in hand, you can have an honest conversation about the price.
If the survey turns up a few small issues—maybe the water heater is on the fritz or the trim tabs are acting up—use those as leverage to adjust the price. Most owners are reasonable; they know that no used boat is 100% perfect. Just keep the conversation respectful. After all, you're not just buying a piece of fiberglass; you're stepping into a lifestyle that the seller has probably loved for years.
Final Thoughts on Your Search
The market for a formula 350 ss for sale by owner can be competitive, so if you find a clean one, don't wait too long to make your move. These boats are legendary for a reason. They hold their value incredibly well because Formula doesn't cut corners on construction. Whether you're looking for a boat to host big parties on the lake or a reliable cruiser for coastal hopping, the 350 SS is a choice you aren't going to regret.
Take your time, ask plenty of questions, and get that survey done. Before you know it, you'll be behind the wheel, feeling that heavy hull settle into a plane as you head out for a perfect day on the water. There really is nothing quite like the feeling of a Formula under your feet. Happy hunting!