Florida foreclosure and tax deed auctions, financing and taxes, buying and closing, and owning investment property - written for investors, grouped by topic.
Florida foreclosure auctions run online under Chapter 45. The winning bidder pays a 5% deposit immediately and the balance the same day. Here is the full process.
Florida tax deed sales run under Chapter 197; mortgage foreclosure auctions run under Chapter 45. Different statute, different deposit, and different risk on liens.
A Florida foreclosure auction sells the property as-is, without inspection, and often without possession. Here is what the winning bid does and does not include.
Florida foreclosure auctions run online on a fixed schedule. The 5% deposit is due immediately and the balance the same day. Here is the sequence.
The judgment amount is what the court determined is owed - not the property value and not a reserve price. Here is how to read it against the record.
Certificate of sale, judgment amount, just value, plaintiff’s maximum bid - the terms on a Florida foreclosure listing, defined.
Florida is a judicial foreclosure state - every case goes through court. An uncontested case commonly runs several months; a contested one can take far longer.
Florida associations can foreclose for unpaid assessments under Chapters 718 and 720. The critical difference: the first mortgage may survive the sale.
Foreclosure extinguishes most liens junior to the foreclosing mortgage, but some liens survive and become the new owner’s responsibility. Here is what a Florida auction buyer actually inherits.
Florida’s homestead exemption is one of the strongest in the country - but it does not block a mortgage foreclosure. Here is what that actually means for an auction buyer.
When a junior lienholder forecloses in Florida, the senior lien is not paid off by the sale - it stays attached to the property. Real Florida case law on why, and what it means for a buyer.
Most title insurers will not insure a Florida tax deed purchase until a quiet title action clears it. Here is why, what it actually costs, and why foreclosure purchases usually do not have the same problem.
Sometimes a scheduled sale you were tracking shows no result and the listing is simply gone. Here is what actually happened and what REO means for that property going forward.
Investment property in Florida is financed differently than a primary residence - DSCR loans, hard money, conventional investment mortgages, and cash-out refinancing compared.
Challenging a Florida property’s assessed value goes through the county’s Value Adjustment Board - here is the petition deadline, process, and what actually moves a valuation.
FIRPTA withholding on a future sale, financing without U.S. credit history, and Florida's restrictions on certain foreign buyers near sensitive sites - what a non-resident buyer needs to know.
Cost segregation can accelerate depreciation deductions on a rental property well beyond standard straight-line depreciation - a real tax strategy that needs a CPA, not a guess.
After-repair value drives every renovation and resale decision - here is the comparable-sales method Florida investors actually use, and where it goes wrong.
A standard cash closing in Florida runs through a title company or closing attorney, a purchase contract, and documentary stamp tax - here is what actually happens and what it costs.
Florida has no dedicated wholesaling statute, but existing real estate license law still applies - here is what a wholesaler can and cannot do without a license.
An estoppel letter tells a buyer exactly what a unit owner owes an association at closing - the statutory timeline, fee caps, and what it actually discloses.
Milestone inspections and Structural Integrity Reserve Studies now govern older Florida condo buildings - what they require, and what unfunded reserves mean for a buyer.
An HOA adds governance, dues, and restrictions a non-HOA property does not have - including, often, limits on renting the property out.
A title search is how a buyer finds out what is actually attached to a property before closing - here is what it covers, and what it does not.
A manufactured home is titled and financed differently from a site-built house, and whether the land is owned or leased changes the deal entirely.
Buying or selling inherited property in Florida usually runs through probate first - summary versus formal administration, and why probate status affects a deal's timeline.
Builder warranties, deposit structures, and Community Development District (CDD) fees are the biggest differences new construction adds versus buying resale.
Inspection, financing, and appraisal contingencies structure how a negotiated purchase can fall through - and how they get waived in a competitive offer.
Wind, flood, and Citizens Property Insurance as a last resort - what actually goes into insuring rental property in Florida, and how it differs from a homeowner policy.
Population growth, migration trends, and no state income tax are the structural forces behind Florida real estate demand - what actually drives it, market by market.
FEMA flood zone maps drive insurance requirements and renovation rules - here is how to read a zone designation and what it actually means for a property.
Unpermitted work is one of the most common and expensive surprises on a Florida investment property - how the permitting process works and what to check before you buy or build.
The claims process after hurricane or storm damage - filing windows, the appraisal process, and where Florida claims most often go wrong.
How the Housing Choice Voucher program works for a Florida landlord, and the current, unsettled state of whether a landlord can decline a voucher applicant.
Property outside a municipal water and sewer service area runs on a septic system and a private well - what to check before buying, and what it costs to fix if it fails.
Auxelerate tracks upcoming foreclosure auctions across Florida with the property profile on each listing. Browse every Florida county.