Naples, FL – April 2025
When a homeowner passes away and the property is foreclosed, any surplus funds from the sale are still legally owed to the heirs. These claims can often be filed using a death certificate, ID, and a simple affidavit of heirship.
“Even if your name wasn’t on the deed, you may still be entitled to the money,” said a probate coordinator.
Heir-based claims are among the most underfiled categories of surplus fund recovery in Florida.
What Happens to Surplus Funds If No One Claims Them?
West Palm Beach, FL – April 2025
If surplus funds from a foreclosure aren’t claimed in time, they may be distributed to lienholders or surrendered to the Florida Department of Financial Services. Once escheated, recovering those funds becomes significantly harder.
“Surplus funds don’t sit there forever — there’s a window to act,” said a surplus fund researcher.
Recovery groups are encouraging residents to check for funds owed from foreclosures between 2019 and 2024.
Surplus Funds Can Be Claimed Even If the Foreclosure Happened Years Ago
Deltona, FL – April 2025
Homeowners who lost their property years ago may still qualify for surplus funds if no one else has claimed the balance. In some Florida counties, courts retain funds for multiple years before redirecting them.
“Even if you moved, even if you thought the case was closed — the money might still be there,” said a refund specialist.
Online case lookups are available statewide, and claims are typically processed in 30–60 days.
Florida Surplus Fund Recovery Can Help Families Start Over After Foreclosure
Kissimmee, FL – April 2025
Surplus funds from foreclosure sales are helping Florida families start fresh — paying for deposits, vehicles, education, and housing after financial loss. These refunds often represent untapped equity.
“This is about restoring stability after losing your home — and the law is on your side,” said a recovery outreach worker.
Free workshops are now available in Central Florida to walk residents through the process.
Surplus Funds Are Often Forgotten — But Legally Yours to Reclaim
Sarasota, FL – April 2025
Many Floridians forget that foreclosure doesn’t always mean financial loss. If the sale brought in more than the debt owed, those surplus funds must be returned to the former owner — if they take action.
“It’s your money, your equity, your right,” said a surplus team coordinator.
More than $100 million in surplus funds remains unclaimed across Florida, according to recent data.
