Turn Unpaid Taxes Into 18% Returns or Real Estate in Okaloosa County, FL!

Most people park their money in savings accounts and barely earn anything. But what if you could earn up to 18% interest or even end up owning real estate—just by helping pay someone else’s overdue property taxes?

That’s the idea behind tax certificates and tax deed sales in Okaloosa County, Florida.

Every year, usually in May, Okaloosa County holds online tax sales. These events give investors the chance to earn solid returns or even buy properties—often at prices way below market value.

Let’s walk through everything you need to know to get started.

Quick Summary Table: Okaloosa County, FL Tax Sales

Feature	Details
Tax Sale Type	Tax Lien Certificates & Tax Deeds
Tax Lien Sale Date	Annually in May (Check Auction Calendar)
Tax Deed Sale Dates	Ongoing – Check Clerk’s Tax Deed Page
Interest Rate	Up to 18% (Bidding starts at 18% and goes down)
Redemption Period	2 years from April 1 of the tax year, sold
Bid Procedure	Online competitive bidding
Tax Lien Sale Website	LienHub.com
Tax Deed Sale Website	RealAuction – Okaloosa
Tax Collector Office	Okaloosa County Tax Collector
Clerk of Courts – Tax Deeds	Tax Deed FAQs & Info
Deposit	5% or $200 (whichever is greater), balance due next business day
Auction Location	Online (Tax Liens via LienHub, Tax Deeds via RealAuction)
Contact for Help	Clerk’s Office: 850-651-7200 / [email protected]

How It Works: Tax Certificate vs. Tax Deed Sales

Tax Certificate Sales (Held Annually in May)

• You bid online to pay someone’s unpaid property taxes.
• Bidding starts at 18% interest—you win by accepting a lower rate.
• If the owner repays the taxes, you get your money back plus interest.
• If they don’t pay within 2 years, you can apply for a tax deed.

Tax Deed Sales (Held Ongoing)

• If the property wasn’t redeemed, you can apply for a tax deed.
• The Clerk of Court schedules a public auction (online).
• Properties are sold to the highest bidder.
• Opening bid includes back taxes, interest, and fees.
• For homestead properties, the bid also includes half the assessed value.

What to Know Before You Bid

• All sales are final and as-is. No refunds, no inspections.
• Properties may have liens, mortgages, or even be unbuildable—do your homework.
• Winning bidders need to pay a deposit right away, and full payment is due by 10:00 AM next business day.
• Details of each property are published for 4 weeks before the auction.

Pro Tips for Investors

• Do your research – Use the county’s property appraiser and GIS map.
• Drive by the property if you can—never rely only on photos.
• Stick to your budget – Auctions can get competitive.
• Hire an attorney if you plan to pursue a quiet title after buying

Why Invest in Okaloosa County, FL?

Interesting Real Estate Facts

• Military Demand: Home to Eglin Air Force Base, one of the largest in the U.S. Steady demand from military families keeps the rental market stable.
• Vacation Rentals: Destin and Fort Walton Beach attract tourists year-round. Short-term rentals are a big part of the market here.
• Waterfront Property: Land near the Gulf, Choctawhatchee Bay, or Santa Rosa Sound sells for a premium.
• 1031 Exchange-Friendly: Okaloosa is a hot spot for those using 1031 exchanges to shift capital gains into income-producing properties.

Attractions & Community Life in Okaloosa

• Beaches: Sugar-white sands, fishing piers, and boardwalks.
• Parks & Nature: Hiking trails, springs, and state parks.
• Economy: Driven by tourism, defence, aerospace, and healthcare.
• Transportation: Served by Destin–Fort Walton Beach Airport, major highways, and local bus routes.

Step-by-Step Guide: How to Participate

Tax Lien Sales

1. Register on LienHub.com
2. Place your bid on listed properties.
3. Win the certificate, earn interest, or move to deed if unpaid.

Tax Deed Sales

1. Apply for a tax deed after holding a lien for 2 years.
2. Bid in the public auction online at RealAuction
3. Pay the required deposit and balance.
4. Own the property or file for quiet title if needed.

Frequently Asked Questions (FAQs)

Q: Can out-of-state investors buy in Okaloosa County?
A: Yes. Anyone can participate, including international buyers.

Q: How do I get clear title after winning a tax deed sale?
A: You may need to file a quiet title action with the court to remove old liens or claims.

Q: Are these properties move-in ready?
A: Usually not. They’re sold as-is and may need repairs or cleanup.

Q: Can I see the property before buying?
A: Yes, but you’re limited to driving by. Entering the property without permission may be trespassing.

Useful Links for Tax Deed & Tax Lien Sales

• Okaloosa Clerk of Courts – Tax Deed Info
• LienHub – Tax Certificate Auctions
• RealAuction – Okaloosa Tax Deed Sales
• Okaloosa County Property Appraiser
• Okaloosa 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

Final Thoughts

Whether you’re looking to earn steady interest or pick up discounted real estate, Okaloosa County is a strong place to start. With a little homework and a solid plan, you can put your money to work while helping clean up tax-delinquent properties.

Need Assistance?

Explore our Auction Calendar and secure your spot in the next tax sale! If you need expert guidance or have questions about participating, book a call now to connect with a professional who can help you succeed. Don’t forget to browse our free resources for answers and actionable tips to make confident, informed investments.

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