Behind on Property Taxes? Facing a Tax Deed Sale? Get a Written Offer Before the County Takes It.

Once back taxes go unpaid long enough, Florida counties can sell your property at a tax deed auction — and any surplus doesn't come back to you automatically. If you still own the property, we can close before the sale, pay off what's owed at closing, and put a real number in writing. If it's already sold, we'll point you toward how to check for surplus funds owed to you.

Serving Jacksonville, Fernandina Beach, Yulee, Orange Park, St. Augustine, Palatka, and all of Northeast Florida.

Behind on property taxes

Tax deed sale scheduled

Already lost the property

Checking for surplus funds

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Back taxes paid at closing We pay off what's owed the county directly out of the sale proceeds — nothing out of your pocket.

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We close before the auction date Move fast enough to beat the tax deed sale — no more scrambling to catch up.

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Surplus fund guidance if it's already sold If the county already auctioned it, we'll point you to where to check for money owed to you.

Real Case — $150,000 Seller-Financed, Attorney-Closed 2024

An heir sold to us at $160,000 — $150,000 of it seller-financed with monthly payments, attorney-closed and secured by the property. The structure also protected her living situation and her water rights.

See the redacted closing statement →

Get Your Written Offer

We reply fast: initial email review in 1–2 hours. No obligation.

What's the main situation?

What Makes a Tax Deed Situation Different

Unpaid property taxes move on a county clock, not yours — and most owners don't realize how far along it is until a notice shows up.

The clock problem

There's a real sale date, not a soft deadline

After two years of unpaid taxes, a county can move to auction the property. Once a sale date is set, it happens — there's no extension for "I meant to catch up." Knowing exactly where you stand in that timeline changes what's actually possible.

The surplus problem

Money can be owed to you — and never claimed

If a tax deed auction sells for more than what was owed, the county holds the extra as surplus funds. Former owners and heirs are entitled to claim it, but the county doesn't chase you down to hand it over. Most people never find out it's there.

The other liens

Back taxes are rarely the only thing owed

A mortgage, code lien, or HOA balance can all be sitting on the same property. We look at the full payoff picture up front so the number we give you is the real number — not one that falls apart at closing.

How We Help — Before or After the Sale

What we do depends on where you are in the timeline.

Step 1

Tell us where things stand

Still own the property, or already lost it to a tax deed sale? Either way, we start by figuring out what's actually owed and how much time — if any — is left on the clock.

Free, no-obligation review
We check the county timeline for you

Step 2

If you still own it, get a written offer

We factor the back taxes and any liens into the price, and pay them off directly at closing — attorney-closed, nothing out of pocket to catch up first.

Cash or terms, your choice
Can close before the auction date

Step 3

If it already sold, check for surplus funds

If the property already went to auction, we'll point you to the right county office to check whether surplus funds are owed to you or your family.

No cost to check
Applies to heirs too

Real Closings — Redacted HUD Proof

Real Closings. Real Numbers. No Guessing.

Each card shows a real situation we solved — with a redacted closing statement you can review. Look for "Due to Seller" on the HUD.

InheritanceTenantsCode Issue

"She feared losing her water."

Situation: Inherited mobile home. Tenant trashed it. Shared well + code restrictions blocked a normal sale.
What we did: Structured a plan that protected her living situation and water rights.
Result: Clean closing with net proceeds in hand — no panic decisions.

LandlordTenantsRepairs

"She wanted out — without hurting tenants."

Situation: Burned-out landlord. Repairs needed. Didn't want to displace tenants or manage contractors.
What we did: Presented cash and terms options. Committed to keep tenants in place short-term.
Result: Sold without showings, repairs, or tenant chaos.

Late PaymentsLienRepairs

"She was upside down and stuck."

Situation: Behind on payments. Code lien. Would've needed cash to close a traditional sale.
What we did: Took over the existing mortgage and covered closing costs — no out-of-pocket for her.
Result: She walked away without bringing a check to closing.

Mobile HomeSeller FinancingAs-Is

"They wanted full price, not a cash discount."

Situation: 1959 mobile home on its own land. Too old for any lender, which caps what a cash sale can pay.
What we did: Paid the full $100,000 price — $5,000 down and $95,000 carried by the seller at 0% interest.
Result: Full price instead of a cash discount, plus $500 a month secured by the property.

📁 Full redacted closing statements available on request. Three of these closed through a Florida real estate attorney; the seller-financed purchase closed directly between the two parties.

Straight Answers — No Runaround

The questions we hear most about back taxes and tax deed sales.

After two years of unpaid property taxes, the county can sell a tax certificate and eventually auction the property at a tax deed sale. You lose the property — but if it sells for more than what was owed, the surplus doesn't automatically come back to you either. It has to be claimed.

Often, yes. If the auction price is higher than the back taxes, fees, and liens owed, the county holds the difference as surplus funds. Former owners, heirs, and lienholders can claim it — but most people never find out it exists.

Once a tax deed application is filed, the county sets a sale date. Up until the sale, you can typically redeem the property by paying what's owed, or sell it outright to a buyer who pays the back taxes at closing. Once the auction happens, that window closes.

Yes. Back taxes are paid out of the sale proceeds at closing, just like a mortgage payoff. We factor the amount owed into the numbers up front and show you what's actually left over before you commit to anything.

Not always, but the process is run through the county and can involve court filings, especially if there are multiple heirs or lienholders. We can point you toward the right county office and, where it makes sense, an attorney who handles these claims.

No. If you still own the property, we'll give you a written cash or terms offer. If you've already lost it, we'll point you toward how to check for surplus funds. Either way, zero pressure.