Tax Liens in Florida: High Returns, Diverse Selection

The Tax Liens in Florida stands out due to the high-interest returns and diverse selection. The Sunshine State boasts a remarkable inventory, presenting over a million tax lien certificates to fit different budgets.

  • High Return Potential: Attractive interest rates as high as 18%.
  • Diverse Selection: Options for every investment level.

Tax lien investing in Florida is a solid strategy in diversifying your portfolio. This not only spreads out risk but also increases the potential for significant gains.

Get ready to dive into the world of tax lien investing in Florida and discover the keys to success!

Table of Contents

Exploring the Florida Tax Lien Market

Investing in Florida’s tax lien certificates can be a safe and profitable market, as they’re backed by the government and secured by real estate. These certificates are a result of property owners failing to pay their property taxes, which means the state of Florida offers you the chance to earn an attractive 18% interest rates on the delinquent tax amount. The table below gives you a brief summary of the Florida tax lien market.

tax liens florida map
  • Hybrid State: Both tax liens and tax deeds are possible investment avenues for real estate investors in Florida. You can buy tax lien certificates and tax deeds  by participating in auctions.
  • Unique Reverse Auctions: In Florida, tax lien auctions operate on a reverse auction basis, starting interest rates at 18% and bidding down the interest from there
  • Tax Deeds as Investment: If property taxes remain unpaid, Florida law permits the sale of the property through a tax deed auction, where the starting bid is generally close to the unpaid property taxes and accrued interest.
  • Redemption Period: If the tax lien certificate you hold is not redeemed (within the 2-year redemption period) and the property fails to sell at a tax deed auction, the certificate can lead to property ownership.
  • Over the Counter (OTC): Tax deed and tax liens in Florida that were unsold during the auction can be bought directly from the county. Check out our blog about OTC tax liens to learn more.

It is also important to understand the various entities involved:

  • Tax Collector’s Role: The county tax collector is responsible for managing delinquent taxes and coordinating auctions.
  • Clerk of the Circuit Court: This official records tax certificates and liaises with the tax collector to handle outstanding debts.
  • Investor’s Responsibilities: As an investor, you’re charged with due diligence, including researching potential liens on the real estate they’re attached to.

Taking part in Florida’s tax lien market demands a confident approach, backed by thorough research and a clear understanding of the legal workings.

Benefits of Investing in Tax Liens in Florida

Returns Guaranteed by Law

Investing in tax liens involves you playing the role of the tax collector, where your due repayments plus interest come from the homeowner.

Property Acquisition

In scenarios where homeowners don’t settle their outstanding property taxes within the redemption period, you can advance towards a tax deed sale. This procedure could potentially transfer the ownership of the real estate to you, sometimes below market value, which is particularly appealing if you’re eyeing property accumulation.

Wide Selection and Risk Mitigation

Broadening your investment spread is wise; it mitigates risk and amplifies returns. Florida’s property landscape is diverse, ranging from residential to commercial spaces, enabling you to curate a varied investment portfolio that balances out potential setbacks.

Budget Friendly

As mentioned earlier, Florida presents over a million tax lien certificates that can fit any budget. Whether you are a seasoned investor with deep pockets, or you’re new to the scene and just want to take a dip to test things out, Florida has a little something for everyone.

Strategies to Maximize Your Returns on Tax Lien Certificates

When engaging in tax lien investments in Florida, your goal is to secure high-yield returns and potentially acquire assets below market value. Implementing effective strategies can enhance your investment experience significantly.

1. Selecting Profitable Properties

  • Conduct a Property Analysis: Thoroughly examine properties for their physical state, locality, market valuation, and growth trajectory.
    • Does it require extensive renovations?
    • Is a fresh lick of paint enough?
  • Calculate Potential Costs: Factor in costs for improvements against the face amount of the lien to ensure profitable investment decisions.
  • Bid on Desirable Locations: Target areas showing economic growth such as job creation, government infrastructure projects, mass construction, transport links, or upcoming tourist destinations.

2. Have an Exit Strategy

There are various exit strategies that you can use as long as you are willing to learn. Here are some of them:

  • Flip For Profit
  • Rent Out as an Income Stream
  • Airbnb

3. Understand the Auction Process

  • Auction Date: According to, a tax certificate sale must be held on or before June 1. Make sure to visit the local county before then to register and determine the exact date of the auction.
  • Online vs. In-Person Purchases: Each method has its own pros and cons.
    • Online allows you to bid from the comfort of your own home, without having to travel to the auction site. However, due to the low barrier of entry, you may encounter fiercer competition with deeper pockets.
    • In-person purchases, on the other hand, offer a more traditional auction experience. You’ll have the opportunity to scope out the competition and get a feel for the market in real-time. Plus, there’s something to be said for the thrill of the live auction.
  • Winning a Bid: The bid rate isn’t just about the price, it’s about who is willing to accept the lowest interest rate. Know when to walk away when the reward is not worth the risk.
  • Unsold tax lien certificates: According to, those that remain unsold after the auction are placed on the List of Lands Available for Taxes. You must wait for 90 days after the auction before you can purchase from this list.

4. Consult an Expert

Consulting with tax lien investing experts like Ted Thomas can help mitigate risks and enhance decision-making.

By focusing on these strategies, you enhance your chances of success in the Florida tax lien market. Always stay informed and approach each investment with due diligence to optimize your potential returns.

Guidance and Materials for Thriving in Tax Lien Investments

Are you looking for guidance and resources to succeed in tax lien investing?

Ted Thomas, America’s Tax Lien Certificate & Tax Deed Authority, has over 30 years of experience in tax lien and tax deed investing and offers comprehensive support and training through various resources whether you’re a beginner or an experienced investor.

Ted’s certified coaches have 70 years of auction experience between them, so you can trust that you’ll receive expert advice and mentorship.

Hundreds of students have achieved success through Ted’s training. Don’t miss out on the opportunity to learn from an industry expert and maximize your returns in tax lien investing. Reach out to Ted Thomas and his staff for assistance and start your journey towards profitable tax lien investing in Florida today.

Tax lien investing in Florida can be a smart financial move, and with the right resources and guidance, you can make the most of this investment opportunity.

Frequently Asked Questions

How Long Does It Typically Take to Recoup the Investment in a Tax Lien Certificate?

The timeframe can vary depending on factors such as the property’s redemption period and the actions taken by the property owner. In Florida, the redemption period is two years.

Can Tax Lien Certificates Be Purchased Online or Only in Person?

Yes, tax lien certificates can be purchased online or in person. Online platforms provide convenience, while in-person auctions allow for a more hands-on approach.

What Happens if the Property Owner Pays off Their Tax Lien After I Have Purchased the Certificate?

If the property owner pays off their tax lien after you’ve purchased the certificate, you’ll receive a full refund of your investment plus any interest accrued. Your investment is protected by the tax code, ensuring a guaranteed return.

Are There Any Restrictions on Who Can Invest in Tax Lien Certificates in Florida?

There are no restrictions on who can invest in tax lien certificates in Florida. Anyone can engage in tax lien investing in Florida with some study and using the county website. It’s a great opportunity for investors of all budgets.

What is the interest on tax liens in Florida?

In Florida, tax lien certificates can carry an interest rate up to 18%, making them a tempting choice for investors.

Does paying property tax give ownership in Florida?

No, paying someone else’s property taxes doesn’t grant you ownership.

What is the best state to buy tax lien certificates?

The “best” state varies based on your goals, but with high interest rates and volume, many point to Florida as a top choice.

Where to Find Tax Liens in Florida for Sale?

You can find them on local newspapers and on the county’s website. Auction must be held on or before June 1, so make sure to check early.

Eligibility To Invest in Tax Lien Certificates

Investing in tax lien certificates in Florida is open to all individuals. Regardless of investment size, anyone can explore tax lien investing, which often starts with researching through county websites like those in Miami-Dade or Pinellas County.

Keep in mind that each county, including Alachua and Bay County, may have distinct procedures, and being informed can improve your investment experience.


Imagine earning interest rates as high as 18% – that’s the potential payoff with Florida’s tax lien certificates! Whether you’re just starting or a seasoned investor, this market offers a chance to grow your money. And who knows, you might even end up owning property if the taxes go unpaid!

Tax liens can be a hands-off investment, but there’s always the exciting possibility of acquiring real estate. To navigate this unique opportunity, consider seeking guidance from Ted Thomas, a respected expert in tax lien and tax deed investing. With his insights, you can unlock the secrets to success in this fascinating niche market.

If you’d like to know more about tax-defaulted real estate investing, Ted Thomas provides full support and complete training with home study courses, Q&A webinars, live tutorials, workshops, web classes, personal coaching with certified coaches, and an interactive map and auction calendar research tool that allows you to visit each county online to find the details about upcoming auctions.

Start your money-making journey by attending Ted’s 7-hour foundational training. Book your seat today to attend the Retire Rich From Home Virtual Workshop.

Want to earn massive income from bargain real estate investing? Would you like to buy mortgage-free properties for pennies on the dollar? Or earn double-digit interest rates secured by real estate? Then get started today by clicking the button below and get your FREE Insiders Report.

Ted Thomas

Ted Thomas is America’s Leading Authority on Tax Lien Certificates and Tax Deed Auctions, as well as a publisher and author of more than 30 books. His guidebooks on Real Estate have sold in four corners of the world. He has been teaching people just like you for over 30 years how to buy houses in good neighborhoods for pennies on the dollar. He teaches how to create wealth with minimum risk and easy-to-learn methods.

The Ted Thomas Difference:

  • Ted is recognized as America’s Tax Lien Certificate & Tax Deed Authority and has been helping people with investing in tax defaulted properties for over 30 years.
  • Ted has built a team of certified coaches that have 70 combined years of auction experience and are available to his students by phone to guide and mentor you to avoid getting overwhelmed or worse, losing money
  • Ted has ironclad PROOF that what he is teaching you does work. With hundreds of successful students providing testimonials and a 4.9 Google rating which is unheard of in this industry.
  • Ted and his staff don’t hide behind a website; they can be reached during office hours at 321-449-9940.

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