Buying Property Through Tax Auctions in Clay County, Florida

Your simple guide to tax lien certificates and tax deed auctions

If you’re looking to earn interest or possibly buy real estate through tax sales, Clay County, Florida, has a system that’s worth checking out. They offer both tax lien certificates and tax deed auctions, giving investors two different ways to get involved.

Let’s break it all down in plain English.

How It Works: From Tax Liens to Tax Deeds

Tax Lien Certificate Sales

Each year, if someone doesn’t pay their property taxes by April 1, Clay County adds a 3% penalty. If it’s still unpaid by April 30, the property gets listed for auction.

By late May or early June, the county holds an online tax certificate auction. You don’t buy the property—you’re buying a lien on it. You’ll bid by offering the lowest interest rate you’re willing to accept (starts at 18%), and if the owner pays it back, you get that interest.

If they don’t pay within 2 years, you can apply for a tax deed, which could eventually lead to owning the property.

Tax Deed Sales

Once a tax deed is requested, the Clerk of Court holds another online auction. This time, you are bidding to own the property.

Opening bids include all back taxes, interest, and fees. Properties are sold as-is, and you must do your own research before bidding.

Clay County Tax Sale Info Table

Category	Tax Lien Certificate Sale	Tax Deed Sale
Auction Type	Online (Lien, not property)	Online (Full property sale)
Website	Clay County Tax Liens	Yes, the excess goes to former owner or lienholders
Held By	Clay County Tax Collector	Clay County Clerk of Court
Auction Time	Late May to Early June	Year-round as eligible
Interest Rate Starts At	18%	Not applicable
Redemption Period	Up to 2 years	No redemption once sold
Bidding Style	Bid down the interest rate	Highest bidder wins
Deposit Required?	No (but pre-registration needed)	Yes – 5% of bid or $200 (whichever is higher)
Balance Due	N/A	Next business day by 11:00 AM ET
Surplus Funds	No	Yes, the excess goes to the former owner or lienholders

Key Things to Know Before You Bid

• Registration is required for both types of auctions.
• Deposits may be needed for tax deed sales.
• Do your due diligence—research properties, check for liens, and know what you’re bidding on.
• Property is sold as-is with no guarantees.

Where to Find Auctions and Updates

• Tax Lien Auctions
• Tax Deed Auctions
• Live Bidding Portal (RealAuction)

Contact Info

Office	Contact Details
Clay County Clerk – Tax Deeds	Email: [email protected] Phone: (904) 529-4221 Visit Website
Clay County Tax Collector – Certificates	Email: [email protected] Phone: (904) 269-6320 Visit Website

Why Investors Like Clay County

Affordable Suburban Market

Located just southwest of Jacksonville, Clay County offers more space at lower prices—perfect for investors priced out of the city.

Strong Military Rental Demand

Thanks to nearby Naval Air Station Jacksonville, there’s a constant demand for rental homes, especially in towns like Orange Park and Middleburg.

Growing Population

Rapid growth is fueling new housing, schools, and businesses, especially in places like Fleming Island and Oakleaf.

Nature and Waterfront Lots

Access to St. Johns River, Black Creek, and plenty of parks makes land here attractive for both buyers and investors.

Active Auction Scene

Frequent tax deed auctions and surplus land sales give you chances to grab residential lots or wooded land at low prices.

FAQs – Tax Deed & Lien Sales in Clay County

Can anyone bid on these auctions?
Yes. Both local and out-of-state investors are welcome, including international buyers.

Is the title clear after a tax deed sale?
Not always. You may need to file a quiet title action to clear any claims.

Are there risks involved?
Yes. If you skip due diligence, you might end up with unusable land or properties with liens or code violations.

What if the property sells for more than the taxes owed?
That extra money (called surplus funds) can be claimed by the former owner or lienholders.

How do I check which properties are for sale?
Visit the RealAuction portal or the Clerk’s auction calendar.

Pro Tips for Success

• Don’t wait till the last minute to register or deposit funds.
• Use parcel numbers to research properties across county databases.
• Always double-check auction dates and times—they can change.
• Budget for extra costs like recording fees and legal steps post-auction.

Useful Links

• Clay County Clerk – Tax Deeds
• Tax Collector – Tax Certificates
• RealAuction Clay County Portal
• Clay County Government Site
• 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

Final Thoughts

Clay County, Florida, gives investors a solid mix of tax lien and deed opportunities. With its growing market, rental demand, and online access to auctions, it’s a smart place to consider.

But always do your homework before you buy. Tax deed and lien investing can be rewarding, but the key to success is knowing the rules, the risks, and the real value of what you’re buying

Need A Hand?

Review the Auction Calendar for more upcoming sales . Don’t miss out on the chance to participate and discover new opportunities. If you’re unfamiliar with the process or need guidance, consider booking a call with us so we can help you through each step. Additionally, explore free online resources to expand your knowledge and enhance your investment strategies

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