Navigating Seminole County, Florida’s Tax Sales Process

Seminole County, Florida, provides a unique investment opportunity for buyers through its tax sales. These sales include Tax Certificate Sales and Tax Deed Sales, designed to recover unpaid property taxes while offering participants a chance to invest in real estate. Here’s a comprehensive look at how Seminole County conducts its tax sales.

Tax Certificate Sales: Investing in Property Tax Liens

Annual Auction

Each year, on or before June 1, the Seminole County Tax Collector conducts an online tax certificate sale. The sale takes place on LienHub, where investors bid on certificates for properties with delinquent taxes.

What is a Tax Certificate? It’s an investment tool that allows buyers to pay off delinquent taxes in exchange for earning interest until the property owner redeems the certificate.

How the Auction Works

Reverse Bidding: Auctions start at an 18% interest rate, and bidders compete by offering lower rates. The bidder willing to accept the lowest rate wins the certificate.

County-Owned Certificates: If no bids are received, the certificate is issued to Seminole County at 18% interest.

Redemption Period

Property owners have up to two years to redeem their tax certificate by paying the delinquent taxes plus accrued interest and associated fees. If not redeemed within this period, certificate holders may initiate the tax deed process.

Tax Deed Sales: Acquiring Property Titles

Application for a Tax Deed

After holding a tax certificate for at least two years without redemption by the property owner, the certificate holder can apply for a tax deed. This process is initiated through the County Tax Collector’s Office and requires paying additional fees. Check out our Auction Calendar for scheduled auctions.

Public Auction

Properties with unredeemed tax certificates are auctioned through the Seminole County Clerk of the Circuit Court & Comptroller. The Seminole County Courthouse holds auctions that are open to the public.

Auction Platform: Bidders can view auction schedules and property details online at Seminole Clerk’s Tax Deed Sales.

Opening Bids

The opening bid includes the total of unpaid taxes, accrued interest, administrative fees, and Clerk of Court fees required by Florida Statutes to bring the property to auction. For homestead properties, the total opening bid includes one-half of the assessed value from the tax roll added to the above amounts.

Key Considerations for Buyers

1. Thorough Research is Essential Buyers should investigate the property’s legal status, ownership details, and any existing liens or encumbrances. This information is accessible through the Seminole County Clerk’s website
2. As-Is Purchase Buyers purchase properties “as-is” and take full responsibility for resolving any issues after the sale.
3. Payment Requirements Winning bidders must pay a non-refundable deposit of 5% of the bid or $200, whichever is greater, immediately after the sale. You must pay the remaining balance by 11:00 a.m. the next business day using cash, cashier’s check, or money order
4. Consult Professionals Legal or real estate experts can provide valuable guidance, especially for first-time participants. The Clerk’s Office does not provide legal advice.

Why Participate in Seminole County’s Tax Sales?

Tax sales in Seminole County present a dual benefit: investors can earn competitive returns on tax certificates or acquire properties at auction prices. For property buyers, it’s an opportunity to secure real estate at potentially discounted rates.

Useful links

• Auction Calendar
• 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?

Don’t miss out on upcoming tax sales—check our Auction Calendar today! Need expert guidance? Schedule a call now to get personalized support and answers to your questions. Explore our free resources for essential tips and tools to help you make smart, profitable investments

Don’t miss your chance to participate in Seminole County’s tax sales. Whether you’re a seasoned investor or a first-time buyer, these auctions offer opportunities to grow your investments and acquire valuable assets

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