Question 1

Is there a redemption period after a Florida tax sale?

Accepted Answer

FL tax sale: the tax certificate sale (annual sale of tax certificates on delinquent properties) gives the certificate holder a lien, not ownership. The owner can redeem the certificate at any time before the certificate holder applies for a tax deed (after 2 years). After the tax deed is issued: there is NO redemption period (Section 197.542: the tax deed conveys fee simple title). The former owner’s only recourse: file a lawsuit challenging the tax deed (within 4 years) based on procedural defects in the sale process.

Question 2

What notice does a Florida property owner receive before a tax deed?

Accepted Answer

Notice (Section 197.522): before a tax deed is issued: the applicant must notify the property owner (by certified mail to the last known address), the applicant must notify all parties with a recorded interest (lienholders, mortgage holders), and the applicant must publish notice in a local newspaper. The notice: gives the owner and interested parties time to redeem the tax certificate, provides information about how to redeem, and establishes the deadline for redemption. If the owner does not redeem: the property is sold at a public tax deed auction.

Question 3

What happens at a Florida tax deed auction?

Accepted Answer

Auction: the property is sold to the highest bidder at a public auction conducted by the clerk of court. The opening bid: equals the total of all delinquent taxes, interest, fees, and costs. If no one bids: the property is transferred to the certificate holder (for the amount of the certificate plus costs). The successful bidder: receives a tax deed (fee simple title), must pay the bid amount immediately, and should file a quiet title action (to obtain insurable title). The former owner receives any surplus funds (the amount above the opening bid).

Redemption Period After Tax Sale

Redemption After Florida Tax Sale

Before Tax Deed

Notice Requirements

After Tax Deed

Related Terms

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