How the Florida Tax Deed Sale Process Works (And Where You Fit In)

Stage 1: Taxes Become Delinquent (April 1)

Your property taxes were due by March 31. If unpaid, they become delinquent April 1 with penalties and interest.

Stage 2: Tax Certificate Sale (June 1)

The county auctions tax certificates to investors. Someone now holds a lien against your property and earns up to 18% interest/ You can still redeem by paying the taxes plus interest—but most people can't afford to.

Stage 3: Tax Deed Application (After 2 Years)

Once the certificate holder has held the lien for at least 2 years from April 1 of the issuance year, they can apply for a tax deed. This is when you receive formal notice. This is when you must act.

Stage 4: Notice & Advertising (3-4 Months)

The Clerk notifies you, lienholders, and advertises the sale for four weeks. The sale is scheduled. You can still sell your home during this window.

Stage 5: The Auction.

Your home sells to the highest bidder. Your ownership ends. Any surplus funds go to the county, and you must apply to claim them later—a process that can take months or years.

See what options you may have available to you.

Email: support@fltaxadvocates.org- © FLTaxAdvocates.org 2025

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