Redemption Period in Florida
Florida is a judicial-foreclosure state. For a mortgage foreclosure, Florida Statutes §45.0315 generally lets the mortgagor redeem by curing the debt any time before the later of the clerk filing the certificate of sale or the time specified in the judgment or foreclosure order. For tax certificates, Florida Statutes §197.472 allows redemption after certificate issuance and before the tax deed is issued or before full payment for the tax deed is made to the clerk, whichever is later. Educational only, verify the current rule with official Florida sources, the county clerk or tax collector, or a licensed Florida attorney. (Last reviewed June 2026.)
Mortgage foreclosure: redeem until certificate of sale or court deadline (§45.0315)
Florida mortgage foreclosure goes through court. Under Florida Statutes §45.0315, the mortgagor or the holder of a subordinate interest may cure the indebtedness and prevent foreclosure sale at any time before the later of the clerk filing the certificate of sale or the time specified in the judgment, order, or decree of foreclosure. After that point, the statute says there is no right of redemption unless the judgment provides otherwise.
Tax certificates: redeem before tax-deed completion (§197.472)
Florida's property-tax process often starts with a tax certificate, not an immediate deed. Under Florida Statutes §197.472, a person may redeem a tax certificate after it is issued and before a tax deed is issued or before full payment for the tax deed is made to the clerk, whichever is later. The amount includes delinquent taxes, interest, costs, and fees set by the tax-collector process. Verify the county file before relying on the date.
What it means for investors
A Florida foreclosure-auction buyer should expect the key redemption risk to run through the certificate-of-sale timing and any deadline in the court judgment. A Florida tax-certificate or tax-deed investor must track the certificate, application, clerk payment, and deed timeline separately. In both cases, title, liens, association balances, occupancy, and repair scope still matter as much as the redemption rule.
Florida redemption at a glance (educational, verify with the statute)
| Mortgage foreclosure | Tax certificate / tax deed | |
|---|---|---|
| Governing law | Fla. Stat. §45.0315 | Fla. Stat. §197.472 |
| Redemption window | Until certificate of sale is filed or judgment deadline, whichever is later | Before tax deed issuance or full clerk payment, whichever is later |
| How owner redeems | Cure indebtedness under the court foreclosure case | Pay certificate amount, interest, costs, and fees through the tax process |
| Investor implication | Read the judgment and certificate-of-sale timing | Track county tax-certificate and tax-deed milestones |
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Frequently asked questions
- What is the redemption period in Florida?
- For mortgage foreclosure, Florida Statutes §45.0315 generally allows redemption before the later of the clerk filing the certificate of sale or the deadline in the judgment or foreclosure order. For tax certificates, §197.472 allows redemption before tax-deed issuance or full payment to the clerk, whichever is later. Verify the exact sale type and county file.
- Can a Florida homeowner redeem after a foreclosure auction?
- Sometimes, but the window is narrow and depends on the court file. Section 45.0315 ties redemption to the later of the certificate of sale filing or the time specified in the judgment or order. Once that point passes, there is generally no right of redemption unless the judgment says otherwise.
- Is Florida a judicial or non-judicial foreclosure state?
- Florida is a judicial-foreclosure state. The lender files a lawsuit, obtains a foreclosure judgment, and the property is sold through a court-supervised sale. That court process is why the judgment and certificate-of-sale timing matter for redemption.
- How does Florida tax-certificate redemption work?
- A Florida tax certificate can generally be redeemed after issuance and before the tax deed is issued or before full payment for the tax deed is made to the clerk, whichever is later (Fla. Stat. §197.472). The redeeming party pays the certificate amount plus statutory interest, costs, and fees.
- How should investors underwrite a Florida foreclosure bid?
- Read the final judgment, sale notice, and certificate-of-sale timing; check title, liens, association balances, occupants, and repairs; then run a maximum bid that includes holding costs and a cushion for court or title delays.