Orlando, FL – April 2025
If your home was foreclosed and sold at auction, you may still be entitled to surplus funds — the leftover money after the mortgage and fees are paid off. Thousands of Florida homeowners are unaware they may be owed thousands of dollars.
“People think foreclosure means complete loss — but many walk away with unclaimed equity,” said a surplus recovery advisor.
Residents can check eligibility through online lookup tools or with the help of licensed recovery professionals.
How to Reclaim Surplus Funds in Florida Without a Lawyer
Tampa, FL – April 2025
You don’t need an attorney to file for surplus funds in Florida — but you do need to act before the claim window closes. New services are helping former homeowners submit court-approved claims without the cost of legal retainers.
“We guide people through every step — from ID verification to affidavit filing — all without upfront fees,” said a claims coordinator.
Many counties allow filing by mail or online, making the process accessible to all.
Surplus Funds Still Available From Foreclosures as Far Back as 2019 in Florida
St. Petersburg, FL – April 2025
Did your home sell in a foreclosure auction several years ago? If it sold for more than the amount owed, the remaining surplus funds may still be waiting for you — but time is running out.
“We’re uncovering forgotten funds from cases four or five years old,” said a recovery expert.
A simple court search by name or address can reveal whether you’re eligible for a refund.
Florida Surplus Funds Must Be Claimed Before They Are Redirected to Creditors
Fort Lauderdale, FL – April 2025
Surplus funds left over from foreclosure sales are first offered to the former homeowner — but if no claim is filed, creditors or lienholders may step in and claim the balance.
“This money doesn’t sit there forever — and if you wait too long, you could lose it,” said a foreclosure refund specialist.
Fast response is critical, especially in cases with old tax liens or HOA judgments.
