Property Tax Liens in Florida: What They Mean and How to Sell

If you've fallen behind on property taxes in Florida, a tax lien may have been placed on your property. This can feel overwhelming, but it doesn't mean you've lost your home. Understanding the process and your options is the first step to resolving the situation.

How Property Tax Liens Work in Florida

The Tax Lien Certificate Process

1. Property taxes are due by March 31 each year
2. If unpaid, the county holds a tax lien certificate sale on or before June 1
3. Investors purchase these certificates, paying your delinquent taxes
4. You now owe the certificate holder the back taxes plus interest (up to 18% annually)
5. If not redeemed within 2 years, the certificate holder can apply for a tax deed

Tax Deed Sale

If you don't pay the certificate holder within the redemption period:

• They can force a tax deed sale (essentially an auction of your property)
• You could lose your home for the amount of back taxes owed
• Any excess proceeds go to you, but the process is costly and stressful

Can I Sell a Property with a Tax Lien?

Yes, absolutely. The tax lien is paid off from the sale proceeds at closing. Here's how it works:

1. The title company identifies all liens during the title search
2. At closing, the tax lien (plus interest and fees) is paid first
3. Any remaining proceeds go to you
4. The buyer receives clear title

Why Cash Buyers Are Ideal for Tax Lien Situations

No Financing Complications

Banks are hesitant to lend on properties with tax liens. Cash buyers don't need bank approval, so the lien isn't a deal-breaker.

Speed Matters

If you're approaching the 2-year redemption deadline, time is critical. A cash sale closes in 30 days, well within most deadlines.

We Handle the Complexity

We work with title companies experienced in resolving tax liens. The process is straightforward for you — we handle the details.

What to Do Right Now

If you have a tax lien on your property:

1. Find out the exact amount owed — contact your county tax collector
2. Check the redemption deadline — know how much time you have
3. Explore your options — selling for cash may be the fastest resolution
4. Don't ignore it — tax liens don't go away and the costs increase over time

We Can Help

MDC Home Investments buys properties with tax liens regularly. We'll factor the lien payoff into our offer and handle the resolution through the title company.

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