Hernando County FL Tax Sale – Profit or Property, You Choose

If you’re thinking about investing in real estate through tax sales, Hernando County, Florida, is a great place to start. It offers two investment paths: tax lien certificates and tax deed sales. Whether you’re looking to earn interest or take ownership of property, this county has options worth considering.

Let’s walk through the basics of how it works, what you need to know, and how to get started.

Quick Guide: Hernando County Tax Sale Info

Item	Details
Tax Sale Type	Tax Lien Certificates & Tax Deeds
Tax Certificate Sale	Held annually in May – Online only
Tax Deed Sale	Held monthly – Usually 2nd Tuesday at 10:00 AM – Online
Redemption Period	2 years from the date of the tax certificate
Interest Rate (Max)	Starts at 18% – bidders lower the rate
Auction Location	RealTaxDeed Hernando
Bid Deposit	5% of winning bid or $200, whichever is higher
Payment Type	Cashier’s check or certified funds only
As-Is Sale?	Yes – no guarantees or inspections
Property Research	Hernando Clerk’s Site
Legal Follow-up	May require a quiet title action
Who Can Bid?	Open to all investors, including out-of-state and international

How the Process Works

Tax Certificate Sales (May – Online Only)

Once a year, usually in May, Hernando County sells tax lien certificates through an online auction. These certificates represent unpaid property taxes.

• Bidding starts at 18% interest and goes down, not up.
• The investor who accepts the lowest interest rate wins the certificate.
• The certificate holder doesn’t own the property. They simply hold a lien on it.
• If the property owner pays back the delinquent taxes, you earn the agreed interest.
• If not paid within 2 years, you can apply for a tax deed.

Tax Deed Sales (Monthly – Online)

If the tax certificate remains unpaid after two years, the investor can apply for the property to be sold at a tax deed auction.

• These auctions happen once a month, usually on the second Tuesday at 10:00 AM, through Hernando’s online auction portal.
• The starting bid includes taxes, interest, fees, and sometimes half the property’s assessed value (if it’s homesteaded).
• Properties are sold as-is with no guarantees, so it’s important to research before bidding.

What Makes Hernando County Attractive to Investors

Affordable Entry Points

Hernando County still has lower property prices compared to surrounding areas. Tax deed auctions offer opportunities to buy land or homes well below market value.

Growing Real Estate Activity

Spring Hill, one of the busiest areas in the county, continues to attract homebuyers, builders, and investors. New developments are underway, and vacant lots are being bought for construction or resale.

Nature and Location

The county is home to Weeki Wachee Springs, rivers, and Gulf Coast access. Waterfront and recreational properties are in demand, especially among snowbirds and retirees.

No State Income Tax

Florida’s tax-friendly status adds to Hernando’s appeal. Investors often find better cash flow opportunities here because of the lower tax burden.

Steps to Start Investing

For Tax Certificate Sales

1. Visit the Hernando County Tax Collector’s site
2. Register online before the May sale
3. Fund your bidder account with a deposit
4. Place your bids during the auction
5. If successful, you earn interest or can later apply for a tax deed

For Tax Deed Sales

1. If you hold a tax lien certificate for 2 years, apply for a tax deed
2. Pay the application fees and costs
3. Wait for the property to be scheduled for public auction
4. Register and bid in the monthly online auction
5. If you win, pay immediately using certified funds
6. Consider filing for quiet title if you plan to resell or insure the property

Pro Tips for Hernando County Tax Sales

• Do your research – Use the Clerk’s website to check ownership history, property details, and any existing liens.
• Set a budget – Don’t get caught up in a bidding war.
• Visit the property – You can view the exterior, but do not trespass or disturb occupants.
• Understand the risk – These are as-is sales with no warranties.
• Prepare for legal steps – A quiet title action may be needed after winning a tax deed to clear any claims on the title.

Frequently Asked Questions

Can anyone participate in Hernando County tax sales?
Yes. Both U.S. and international investors can register and bid.

Do I get the property right after winning a tax certificate?
No. A certificate gives you the right to earn interest. You can only apply for a tax deed after two years if it’s not paid off.

How do I pay if I win a property?
Payment must be made immediately after the auction with certified funds or a cashier’s check.

Can I back out after winning?
No. If you don’t pay on time, your bid is cancelled, and the property goes back up for auction. You may lose your deposit.

What is a quiet title action?
It’s a legal process to clear any claims against the title. It’s often needed before selling or financing the property.

Useful Links

• Florida Tax Sale Listings
• Hernando County Clerk – Tax Deeds
• Hernando County Tax Deed Auction Site
• Hernando County Government Home
• 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

Need Assistance?

Explore our auction calendar to stay updated on upcoming tax sales—don’t let these opportunities slip away! If you need assistance or have questions about navigating tax sales, book a call today to connect with an expert who can guide you every step of the way. Be sure to check out our free resources for valuable tips, answers, and strategies to help you make smart investment decisions.

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