If you are 2 to 3 years behind on your property taxes in Florida, your home is in immediate danger. In Florida, once taxes are two years delinquent, the person who bought your "tax certificate" can apply for a Tax Deed Sale. This is a public auction where your home can be sold to the highest bidder to pay off those back taxes.
At harddmoneyloans.com, located at 14977 N Dale Mabry, Tampa, FL 33618, we help Florida homeowners stop this process. If you have equity in your property, we provide the fast, private funding you need to pay the county and keep your home.
Taxes become delinquent on April 1st of each year. If they remain unpaid, a tax certificate is sold in June. You generally have two years from the date of delinquency before the property can be sold at a Tax Deed Sale.
When you don’t pay, the county doesn't wait for its money. They sell a "lien" (certificate) to an investor who pays your taxes for you. That investor now earns up to 18% interest on that debt—which you have to pay back.
Yes. Once a tax certificate has been held for two years, the holder can apply for a Tax Deed. This starts the clock on a public auction of your home.
The Clerk of the Court will send a notice via certified mail to the address on file. Additionally, the Sheriff’s office will physically post a warning notice on your property.
Unfortunately, yes. If the taxes aren't paid, the property goes to auction regardless of how small the tax bill is compared to the home's value.
While Homestead Exemption provides a tax discount, it does not stop the county from selling your home if you fail to pay the remaining taxes.
It is a public auction where your property is sold to the highest bidder. If your property is your primary home (homestead), the opening bid must include half of the assessed value, but it can still be sold for much less than it is worth.
Yes. You can "redeem" the property by paying all back taxes, interest, and fees at any time before the Tax Deed is signed and recorded by the Clerk.
If the home sells for more than the taxes and fees owed, the "excess proceeds" can be claimed by the former owner (you) or other lienholders. However, you still lose the home.
Most traditional banks will not lend to someone multiple years behind on taxes because it shows "financial distress." This is why homeowners turn to private hard money lenders.
The only guaranteed way to stop a tax sale is to pay the full amount owed to the County Tax Collector. If you don't have the cash on hand, you must find an alternative source of funding immediately.
Action Points to Save Your Home:
At AHL Hard Money Network, we specialize in helping Florida property owners in your exact situation. We provide asset-based loans that focus on the equity in your property rather than your credit history or income.
If you have equity and need to save your property, follow these steps to apply:
Don't wait until the Sheriff posts a notice on your door. If you are 2 or 3 years behind, the time to act is now.
Hard Money Network is provided by investors who offer equity loans for free and clear properties in Florida. We at AHL Hard Money Network are a lead and marketing company that connects borrowers with hard and private money investors and we provide educational resources on hard money for potential borrowers.
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