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Charlotte County, Florida Tax Sales: Earn Interest or Buy Property

Charlotte County, Florida offers two great opportunities for real estate investors:

• Tax Lien Certificates, where you can earn interest
• Tax Deed Sales, where you can potentially take ownership of properties

Whether you’re looking to grow your savings or build your property portfolio, this guide explains how it all works in simple, clear language.

How It Works in Charlotte County

Step 1: Tax Lien Certificate Sales

When someone doesn’t pay their property taxes, the county puts up a tax lien certificate for auction. This happens every year around late May or early June.

• Bidding starts at 18% interest
• Investors bid by offering lower interest rates
• The lowest accepted rate wins the certificate
• If the property owner repays their taxes, you get your money back plus interest

Step 2: If the Owner Doesn’t Pay

After 2 years, if the taxes still aren’t paid, you (the certificate holder) can apply for a tax deed. That means you start the process to sell the property at public auction.

Step 3: Tax Deed Sales

Once the tax deed is approved:

• The Clerk of the Court puts the property up for online auction
• The starting bid includes unpaid taxes, fees, and interest
• The highest bidder wins, and the full payment is due by 11:00 AM the next business day
• You get the property via a tax deed (but not a clear title—you may need to do a quiet title action later)

Charlotte County Tax Sale Details (Updated for 2024)

Category	Details
Tax Sale Type	Tax Lien Certificates & Tax Deeds
Lien Sale Date	Usually late May to early June (annually)
Deed Sale Frequency	Ongoing throughout the year
Redemption Period	2 years from lien sale date
Tax Lien Interest Rate	Starts at 18%; bid down system
Tax Deed Sale Type	Public online auction
Deposit Requirement	5% of bid or $200 (whichever is greater)
Full Payment Due	By 11:00 AM ET the next business day after auction
Auction Platforms	Lien Sales and Deed Sales
Tax Collector Contact	[email protected]
Clerk’s Office Contact	[email protected]

Interesting Real Estate Facts About Charlotte County

• Popular with Retirees: Punta Gorda is a quiet, affordable town that attracts retirees.
• Affordable Waterfront: You can still find canal-front homes for much less than nearby areas like Naples.
• Rebuilding After Storms: Hurricane damage has opened opportunities for investors to buy, rebuild, and resell.
• New Construction is Hot: Builders are putting up affordable single-family homes, especially in Port Charlotte.

Why Charlotte County is a Great Place for Tax Sales

• Low Property Taxes: Florida has no state income tax, and Charlotte County has low property taxes.
• Online Auctions: No need to travel. Everything is done online through secure platforms.
• High Returns Possible: With interest rates up to 18%, returns can beat many traditional investments.
• Growing Population: More people are moving in, especially retirees and snowbirds, boosting real estate demand.

Pro Tips for First-Time Investors

• Research Every Property: Look up addresses, check for other liens, and see if it’s in a flood zone or needs repairs.
• Register Early: Don’t wait until the last minute—set up your account and submit deposits ahead of time.
• Understand the Title: A tax deed doesn’t always mean clear ownership. You may need legal action to sell or insure the property.
• Use the Tools Provided: RealAuction has helpful tutorials and resources for bidders.

Useful Links

• Tax Certificate Sales Info
• Tax Deed Sales Platform
• Tax Deed Division Page
• Charlotte County Tax Collector
• Charlotte County Official Website
• Comprehensive Guide to Florida’s Deed Auction Process and Key Requirements
• Discover the intriguing world of Hybrid Auctions
• Discover Tax Deeds and how you can find property for as little as $50! 
• Want to get started with Tax Liens? Watch this video!
• Explore the lucrative world of Florida Tax Liens and Deeds

Frequently Asked Questions

Can I participate if I don’t live in Florida?
Yes! Both U.S. and international investors can bid in tax lien and deed sales online.

What happens if no one bids at the auction?
If no one bids, the lien certificate is “struck” to the county. It may be sold later over the counter.

Do I get a house automatically if I win a tax deed sale?
You get ownership, but properties are sold as-is, and the title may not be clean.

How do I know which properties are for sale?
Check the tax deed auction calendar regularly for updated listings and dates.

What costs are involved besides the bid amount?
You’ll need to pay recording fees, legal fees, and possibly title insurance if you want to sell later.

Take Action Today

Stay ahead of the game by checking the auction calendar for upcoming tax sales. If you’re new to tax sales or need additional guidance, schedule a call with an expert to help you navigate the process confidently. Don’t forget to explore our free resources for tips and insights that can help you make informed investment decisions and maximize your returns.

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About Dustin Hahn

Dustin Hahn is a Tax Lien & Deed investor with over 22 years of experience and hundreds of deals under his belt. He created Tax Lien School.com to help you buy Tax Deeds up to 90% off mortgage free and earn up to 36% ROI with Tax Liens. This site was voted the “Most Useful Resource” for new investors. Dustin’s YouTube Channel is the #1 Channel on Tax Liens & Deeds with over 98,000 Subscribers and 3600 videos to help you start. “The Best Time To Start Real Estate Investing Was 20 Years Ago, The Second Best Time Is TODAY!”

20+yrs

5–10deals/mo

2009TLS founded