Florida Surplus Funds Guide
Florida Foreclosure Surplus Funds Recovery
If your Florida property was sold at a foreclosure or tax deed auction for more than what was owed, the extra money may legally belong to you or your heirs. Here is how the recovery process works in Florida — and how we handle it for you with no upfront fees.
No upfront fees · No obligation
What are Florida foreclosure surplus funds?
When a Florida property is sold at a foreclosure auction or tax deed sale, the sale price sometimes exceeds the total amount owed — the mortgage, back taxes, legal fees, and other costs. The money left over after those debts are satisfied is called surplus funds, excess funds, or excess proceeds.
These funds do not belong to the lender or the county. They belong to the former property owner or their heirs. Until they are claimed, the money sits in the county court registry — and claims are time-sensitive, so it is important to act promptly.
How the Florida recovery process works
- 1
After a Florida foreclosure or tax deed auction, the property often sells for more than the amount owed. The extra money — the surplus — is held by the county court registry, not by the lender or the county.
- 2
We confirm through public records and county court filings that surplus funds exist from the sale of your Florida property, and that you are the rightful claimant.
- 3
After a free consultation, you sign an agreement authorizing us to process your claim — at no upfront or out-of-pocket cost to you.
- 4
Our team prepares and files the claim paperwork with the Florida court handling your case, coordinates with all parties, and schedules the court hearing.
- 5
Once the court approves the claim, the funds are released and sent to you by ACH transfer or overnight check.
No upfront fees — ever
We only get paid once we are successful in retrieving your funds, and we charge a small percentage of the recovered surplus as agreed in your contract. All costs in the process are paid by us out of that percentage. There are no out-of-pocket costs to our clients, and we charge the lowest contingency fee in the market.
Although we are based in Jacksonville, we help clients recover surplus funds across Florida and nationwide.
Your Florida funds could be waiting right now
Call for a free consultation, or send us a message and we will review your situation at no cost.
(904) 270-9888
eliteoveragefinders@gmail.com
10960 Beach Blvd Lot 288, Jacksonville, FL 32246