Surplus Fund Deadlines by State: What Every Homeowner Needs to Know

There is no national standard for how long a homeowner has to claim surplus funds after a foreclosure sale. While some states allow up to a year or longer, others cut off access in less than 90 days. This inconsistent landscape causes confusion and missed claims.

The Foreclosure Focus has published a state-by-state deadline guide to help families know their rights. The press release shares highlights from that report, and urges legislators to consider enacting uniform minimum claim periods nationwide.

As thousands of Palm Beach County properties face delinquent taxes, The Foreclosure Focus is helping residents, heirs, and investors understand their rights in tax deed sales—a lesser-known process that can both result in the loss of property and the generation of excess funds. These sales, governed by Florida Statutes Chapter 197, are conducted entirely online and may entitle former owners to thousands in surplus funds if handled properly.

The Foreclosure Focus helps homeowners and heirs recover surplus funds left over after foreclosure auctions. We provide legal guidance, claim support, and press resources to protect your equity and inheritance.

🧾 What Is a Tax Deed Sale?

A tax deed sale occurs when property owners fail to pay their property taxes, and the county auctions the property to recover the unpaid balance. Unlike mortgage foreclosures, these sales are based on tax certificate redemptions and conducted under Florida law. The Clerk of the Circuit Court & Comptroller handles all tax deed auctions in Palm Beach County.

“Many families lose their homes in tax deed sales without knowing they might be owed money,” says a representative of The Foreclosure Focus. “These cases don’t end when the auction does—there’s a legal process to claim what’s left over.”

📘 What are surplus funds after tax deed sales?
🗂️ How to recover excess proceeds from tax deed auctions