Florida Asset Recovery · Statewide
When a Florida property sells at auction for more than the debt behind it, that difference belongs to the person who owned it. Our team works foreclosure surplus and tax deed surplus across Florida, and every county runs at its own pace. Find yours below and see what recovery looks like where your property sold.
Claim What's YoursFree consultation. Confidential.
848 Brickell Avenue, PH 5
Miami, Florida 33131
Where We Work
Florida runs its foreclosure and tax deed sales county by county, and no two counties move at the same speed. A sale in Miami-Dade and a sale in Liberty County follow the same law and create the same right, and almost nothing else about them looks alike. One county posts auctions every week of the year. Another posts a handful and every one of them is somebody the neighbors know.
That's why each county has its own page here. Pick yours and you'll find what the market looks like where you are, how surplus funds come to exist in that county, and what our work on a claim there involves.
From Miami-Dade and Broward up through Palm Beach and west toward the lake, this is where Florida's auction activity runs heaviest and where decades of appreciation have built the largest surpluses in the state. Condominium and association foreclosures carry a heavy share of the filings here, and they have pressed hardest on longtime owners living on fixed incomes.
Port St. Lucie, Stuart, Vero Beach, and the farming country inland from them. Waterfront and near-waterfront property has climbed hard for twenty years, so when one of these homes sells at auction the gap between the debt and the sale price is often substantial.
Tampa, St. Petersburg, Clearwater, and Lakeland anchor one of Florida's fastest moving markets, and the smaller counties north and east of the bay have followed it up. Values across this stretch roughly doubled in a decade, which is exactly how surplus funds come to exist.
Orlando and the counties around it change hands faster than almost anywhere in the state, and Volusia, Brevard, and Flagler add coastline to the mix. High turnover means steady auction calendars, and steady auction calendars mean surplus funds are created here week after week.
Jacksonville and St. Johns County lead the region, while the rural counties along the Suwannee River run a very different market where land and timber carry the value. Both kinds of sale can leave real money behind, and both kinds of former owner have the same right to it.
Tallahassee and the counties around it, where the capital's market sits alongside farm and timber land held in the same families for generations. Auctions here are fewer, and every one of them matters to somebody.
Pensacola, Destin, Panama City, and the inland counties between them. Coastal appreciation along this stretch has been dramatic, so a property bought before the boom can sell at auction for several times what was owed on it.
Common Questions
The questions former owners across the state ask us most.
If yours isn't here, the first conversation is free.
When a Florida property sells at a foreclosure or tax deed auction for more than what was owed, the amount above that debt is the surplus. Florida law is clear about whose money it is. It belongs to the former owner, waiting to be claimed.
It matters for how a claim gets worked, not for whether the money is yours. That right is the same everywhere in Florida. What changes county to county is the pace of the sales, what the local market does to the numbers, and what a claim takes to move. Our team works claims across every county listed above.
Often yes, and it's worth asking early. The surplus becomes part of what she left behind, and it's claimed through whoever holds authority over the estate: an executor, an administrator, or a personal representative. If that authority is already established, we work from there. If it isn't, we'll tell you what establishing it involves before you commit to anything.
Nothing up front. We're paid out of what we recover, so if there's nothing to recover you owe us nothing. The first conversation is free and carries no obligation.
It depends on the county, on how clean the record is, and on whether anyone else has a claim against the same money. Some move quickly. Some take considerably longer. We'll tell you what we're looking at in your situation rather than quote you an average that means nothing.
Surplus is real, and letters about it are common. If the letter came from us, the information in it came from the county court record, and we verify all of it again before anything gets filed on your behalf. Our office is on Brickell Avenue in Miami, a person answers our phone, your claim is filed by an attorney who is a member of The Florida Bar, and we are paid from what we recover.
Start Here
Pick your county above and read what recovery looks like where your property sold, or reach us directly and we'll look it up with you. The first conversation is free, it's confidential, and it moves at your pace. Your equity may still be yours, and finding out costs you nothing.