KB Software · Tax-Lien Investing

The Lien Playbook

Pick a lien. See what you make if the owner pays, what the property is worth, who's behind you in line, and every dated step waiting down the road.

Did you win an auction?

Two ways. Give us the names you bid under and we watch the public records for you, or enter the sale's case number yourself. Either way we fill in the deal from the Clerk's own record.

1. Names you bid under

Your name, your LLCs, trusts, the same "names on title" you registered at the auction site. When a tax deed records to one of them, it shows up below.

    Possible wins found in the records

    Nothing yet.

    2. Enter the auction number

    Duval case number (2026-0392TD), Orange TDA number, or a certificate number.

    Try an example

    Sample numbers to show how it works. See real liens

    Your lead

    Loaded from the pick above — or type your own.

    Face value: the delinquent taxes you cover.
    18%
    FL starts at 18% and bids DOWN. 5% floor unless you bid 0%.
    The property behind the lien
    From the appraiser roll + comps.
    From the courthouse. 0 = free & clear.
    From courthouse NFTL filings. The one lien that outlives your deed.
    …
    You pay
    —
    If redeemed @ 12 mo
    —
    Your profit
    —
    Return
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    Is this a safe one?

    The property value and the mortgage tell you how likely you are to simply get paid back with interest — the outcome you want.

    Property value
    —
    —
    Mortgage on it
    —
    —
    Your lien vs. value
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    How small your stake is against the whole property.
    Value protected behind you
    —
    What the owner + bank stand to lose if they don't pay.
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    Who gets paid first — and why that's you

    In Florida, property taxes are a first lien, superior to all others (Fla. Stat. §197.122). At a tax-deed sale the liens below you are wiped out. That's the whole reason this is a strong position.

    Two ways this goes

    A tax lien has only two endings. You get paid back with interest, or you end up owning the property. Each path has its own steps.

    Owner (or their bank) pays

    The common ending. The taxes get cleared; the county mails you a check for your money plus interest. On a mortgaged home the lender usually pays to stop the tax deed from erasing its loan.

    Redeem at 6 months—
    Redeem at 12 months—
    Redeem at 24 months—
    Nobody pays

    Now you're in control. Each year it stays unpaid, you can buy the next year's lien on the same property and keep earning. After 2 years you can force a tax-deed sale.

    Yr 2 lien, same property (est.)—
    Interest still accruing—
    Can apply for tax deed on—

    What you earn, month by month

    Florida pays simple interest at your bid rate, accrued monthly, 5% minimum. It does not compound. Each subsequent-year lien is its own new certificate earning on its own.

    If redeemed afterInterest earnedYou receiveReturn

    Your calendar, already filled in

    Every date is calculated from the day you buy. Miss the deed-application window and the clock keeps costing you.

    If nobody has paid — do this

    When the redemption window closes, here's the exact next move, pre-filled. Print it, email it to yourself, or save it to your tracker.

    Tax-deed application packet

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      Why it's safe — and the rare time you walk away

      ✓ Why the odds favor you

      • Taxes come first. You're ahead of the mortgage and the HOA. A tax deed wipes them out.
      • The bank protects itself. On a mortgaged property the lender almost always pays your taxes rather than lose its loan.
      • Equity pays too. An owner with real value in the home redeems to keep it.
      • Worst case you own it — often at a fraction of value, first in line.

      ◆ The rare "don't buy it"

      • Worthless or contaminated land. If it goes to deed you own it — and the cleanup.
      • Liens that survive a tax deed: IRS federal tax liens (120-day redemption right) and some municipal/code-enforcement liens.
      • Rate bid too low to win kills your return — know your floor.
      • Bankruptcy can pause redemption. Rare, but plan for it.

      Deals you're tracking

      Saved on this device. Each shows your next action and when it's due, so nothing slips.

      Educational tool, not legal or investment advice. Interest, lien priority, deadlines, and procedures use Florida Chapter 197 as the default and are estimates for planning. Property values and mortgage figures are drawn from public appraiser and courthouse records and may be out of date. Lien priority has exceptions (relation-back of HOA/condo liens, surviving governmental liens, IRS redemption rights). Other states differ. Confirm every figure and date with the county tax collector and clerk, and use a licensed attorney for the tax-deed filing. Returns are not guaranteed.