Surplus Funds Recovery in Florida
If your property was foreclosed in Florida and sold at auction for more than what was owed, you may be entitled to the surplus. Most former homeowners never find out this money exists.
Florida has one of the shortest filing windows in the country. After the deadline, surplus funds may be permanently forfeited to the county.
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Check My Eligibility FreeHow Surplus Funds Work in Florida
Florida uses judicial foreclosure. This means all foreclosures go through the court system, creating a clear paper trail for surplus funds claims.
Under Florida Statute § 45.032, when a foreclosed property sells at auction for more than the outstanding debt (including mortgage, liens, fees, and costs), the excess amount — known as surplus funds — legally belongs to the former property owner.
Florida is a judicial foreclosure state, meaning all foreclosures go through the court system. This creates a clear paper trail for surplus funds claims. The clerk of court holds the surplus funds until a valid claim is filed.
How to File a Surplus Funds Claim in Florida
Obtain a certified copy of the final judgment of foreclosure from the clerk of court
File a claim with the clerk of the circuit court in the county where the property was sold
Provide proof of identity and ownership (deed, mortgage documents)
The court reviews the claim and issues an order for disbursement
Funds are released after the court order is finalized
Sounds complicated? We handle all of this for you. Our team researches your case, prepares the paperwork, and works with licensed attorneys in Florida to file your claim. You only pay when we recover your funds.
Top Florida Counties for Surplus Funds
These Florida counties have the highest foreclosure volumes and are most likely to have unclaimed surplus funds:
Frequently Asked Questions — Florida
Florida allows 60–120 days to file a claim for surplus funds from a foreclosure sale. After this deadline, funds may be permanently forfeited or transferred to the state unclaimed property division.
Surplus amounts in Florida typically range from $8,000–$25,000, depending on the property value, auction price, and outstanding debt. Some cases can be significantly higher.
Yes, you can file yourself. The process involves filing with the court, providing proof of ownership and identity, and navigating the legal requirements under Florida Statute § 45.032. Many claims are denied due to paperwork errors, which is why most people work with a recovery service.
We work on a contingency basis — no upfront fees. Our standard fee is 25% of the recovered amount. If you use our self-service portal, you save an additional 5%. If we don't recover anything, you owe nothing.
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