Florida Tax Deed Investing: Complete Guide for 2026
Everything you need to know about buying tax deed properties in Florida—the auction process, redemption rules, title clearing, and due diligence requirements.
How Florida Tax Deed Sales Work
Florida Tax Sale Process Flow
Florida Redemption Rules
Redemption Period
2 years from tax certificate sale date
Owner pays all outstanding certificates plus interest to Clerk
Penalty Rate
5% minimum, up to 18% depending on certificate bid rate
Interest/penalty the owner must pay to redeem
Homestead Properties
Same redemption period for all property types
Important: During the redemption period, you typically cannot take possession, make improvements, or rent out the property. The former owner retains possession rights until redemption expires.
Title Clearing After Florida Tax Deed Purchase
Recommended Approach
File quiet title action (Chapter 65 F.S.) or obtain tax title certification from a service like Tax Title Services
Pro Tip: Factor title clearing costs into your maximum bid. A property that looks profitable at auction price may not be after adding $3,000-$5,000 for quiet title.
Florida Tax Deed Due Diligence Checklist
Risks & Considerations
Frequently Asked Questions
How do Florida tax deed sales work?
Florida uses a two-step process. First, delinquent taxes are sold as tax certificates at auction (May/June). Certificate holders earn interest if the owner redeems. After 2 years, certificate holders can apply for a tax deed, triggering a new auction where the property is sold to the highest bidder.
Can I get title insurance on a Florida tax deed?
Not directly. Title companies will not insure tax deed properties without either a quiet title action (court judgment) or tax title certification (third-party verification of proper due process). Budget for this cost when evaluating deals.
What liens survive a Florida tax deed sale?
Most liens are extinguished, but federal tax liens survive for 120 days (IRS can redeem). Certain HOA/COA assessments may also survive. Municipal special assessments and code enforcement liens have complex rules - always verify.
Where do I find Florida tax deed auctions?
Most Florida counties use RealAuction.com for online tax deed sales. Some smaller counties still hold live auctions at the courthouse. Check individual county Clerk of Court websites for schedules.
Track Your Florida Tax Deed Deals
Liensuite helps tax deed investors manage the entire process—from auction research through title clearing. Track redemption deadlines, due diligence items, and never miss a critical date.