Sell Your House with Tax Liens in Florida
Last reviewed: July 2026
Owing back taxes or have liens? We work with title companies to identify tax liens, payoff demands, and closing requirements before you sign. The written offer should show how unpaid taxes affect your net proceeds and closing timeline.
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Us vs. Franchises: What's the Difference?
| Factor | FL Home Buyers | Franchises |
|---|---|---|
| Negotiation | Yes, we negotiate | Fixed pricing |
| Offer Terms | Written lien-aware offer | Standardized pricing model |
| Local Knowledge | Florida-focused | National chain |
| Flexibility | Custom solutions | One-size-fits-all |
How to Know We're Legit
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Closing Funds Documentation
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Tax Liens Can Lead to Foreclosure
Unpaid property taxes can result in tax liens that can lead to foreclosure. The longer you wait, the more penalties and interest accrue. Tax liens can make a traditional sale harder because the title company must identify payoff amounts, lien releases, and deadlines before closing.
How a Cash Sale Can Handle Tax Liens
We Buy As-Is
We review liens, payoff demands, repair issues, and title notes before closing so the written offer shows what is being priced into the sale.
Fast Closing
Closing timing depends on title, payoff statements, lien releases, and seller readiness.
Written Net Offer
We provide a written offer that accounts for liens, repairs, title issues, and closing costs.
No Agent Commission
We do not charge an agent commission or service fee. The written offer states the seller costs before you sign.
How We Handle Tax Liens
Here's how we can help:
- We review the lien, payoff demand, property condition, and title notes.
- We make a written cash offer that accounts for taxes owed, liens, repairs, and title issues.
- We buy the house as-is, with all conditions.
- We can target a closing date once title, payoff statements, lien releases, and seller documents are ready.
- You can compare the written net against paying the taxes, listing with an agent, refinancing, or waiting.
Want to learn more? Check out how it works or read our blog post about selling fast in Florida.
Real Example
We help homeowners in tax lien situations throughout Florida. Contact us to discuss your specific situation and get a written cash offer.
Florida Tax Liens & Tax Deed Sales
Reference: Florida Statutes §197
- Florida sells tax lien certificates at annual auctions, the lien earns the buyer up to 18% interest per year.
- Under §197.502, after 2 years, the certificate holder can apply for a tax deed, forcing a sale of your property.
- The property owner has a redemption period to pay off the lien plus interest before the tax deed is issued.
- Unpaid Florida property taxes can lead to certificate sales and, later, tax deed applications under Chapter 197.
- When we buy your house, tax liens are typically paid through the title company from closing proceeds so the payoff appears on the settlement statement.
Legal Questions Specific to Your Situation
How long before a tax lien becomes a tax deed in Florida?
Under §197.502, the tax certificate holder must wait at least 2 years from the date the certificate was issued before applying for a tax deed. After that, they can petition the county to sell your property at auction. Selling before a tax deed sale may preserve more options, but the right answer depends on payoff amount, equity, deadlines, and title status.
Can I sell my house with unpaid property taxes?
Yes. Tax liens are paid off at closing through the title company. The amount owed (including interest and penalties) is deducted from the sale proceeds. We handle this process regularly, but closing depends on payoff statements, title requirements, and whether the property has enough equity to satisfy required liens.
Florida sellers pay an average of 3.28% of sale price (excluding commissions) in closing costs, or 7–8% including agent commissions. The average total commission is 5.59% on average (typically split 2.81% for the listing agent and 2.78% for the buyer's agent). Buyer-agent compensation is negotiable and should be confirmed in the listing agreement or purchase contract. Documentary stamps are $0.70 per $100 of sale price ($0.60 per $100 in Miami-Dade County, plus a $0.45 surtax for non-single-family properties). Title insurance rates are state-regulated: $5.75 per $1,000 for the first $100K, then $5.00 per $1,000 up to $1M.
2026 Florida Tax & Costs Data
Before deciding, check current local comparable sales, active inventory, insurance costs, title/payoff numbers, and repair estimates. Market-wide numbers can hide what is happening on your street.
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We Handle This Situation in Every Florida County
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