{"overlayTitle":"FAQ","live_reload":null,"overlayFooter":"","overlayBody":"\n
\n \n \n \n\n \n\n\n\n\n\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\n\n \n \n Frequently Asked Questions\n \n \n
Frequently\n Asked\n Questions
\n Volusia County Tax Certificate Sale
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Basics\n | The Tax\n Certificate Sale | Using\nthe\n Auction Site | Tax\n Certificates | Tax Deed\n Applications
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\n BASICS
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\n What is a tax certificate?
\n A tax certificate is a first lien against real estate (not the owner) and\n becomes the basis upon which a tax deed application is filed. The tax\n certificate sale is NOT a sale of real property, nor does a tax certificate\n give the certificate holder a direct means to acquire a property. According\n to Florida Statute 197.432 (13) The holder of a tax certificate may not\n directly, through an agent, or otherwise initiate contact with the owner of\n property upon which he or she holds a tax certificate to encourage or demand\n payment until 2 years after April 1 of the year of issuance of the tax\n certificate.
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\n It is your sole responsibility to research any tax lien certificates you\n intend to buy. You can see additional property and tax information for any\n item by clicking on the Account or Parcel Number on the auction web site. Research\n any advertised items carefully before submitting bids. There are potential\n risks associated with tax certificate purchases. All purchases in the tax\n certificate sale are final.
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\n \n When does the tax certificate sale take place?
\n The sale opens in early to mid May and starts to close on or before\n June 1.
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\n In early to mid-May each year:
\n \n Starting on, or before, June 1:
\n \n For exact dates, please see the Auction\n Schedule. All activity\n related to registration, bidding, and certificate awards takes place on\n the auction web site.
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\n How do I register for the sale?
\n All bidders who wish to participate in the sale must perform the\n following steps on the auction web\n site:
\n \n Can I participate as a non-US bidder?
\n If you are bidding as an individual you may complete and submit an IRS\n W-8 BEN form.
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\n How do I submit my bids?
\n You can submit your bids on the bid page individually, as a group\n (using a saved list), or via a file upload. You must complete all the\n registration steps before you are allowed to submit bids.
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\n How do I pay for certificate purchases?
\n Payment must be made by ACH. The balance due for your purchases will be automatically debited from the bank account you designated as your \"Final Payment Account\" at the designated Final Payment Deadline. If you wish to manually make your payment prior to the Final Payment Deadline, please go to the \"Payments and Budget\" page under \"My Account\" and click \"Pay for Certificates\". The button is activated once the last batch in the sale closes and any final data updates are complete. The deadline to pay is listed on the Auction\n Schedule. If your final payment is returned as invalid for any reason, you may forfeit your security deposit and certificate purchases.
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\n What is an ACH debit?
\n An ACH debit is an electronic payment from your checking or savings\n account. When you enter your bank account information and submit\n payment on the auction web site, you are authorizing the County of Volusia\n to debit your account for the amount you established. All payments are\n sent for processing immediately. Additional information is available on\n the page where you authorize payment.\n

Funds must be drawn from a US financial institution. Some types of\n money market, brokerage, and/or trust accounts cannot accept ACH\n debits. Please check with your financial institution prior to\n initiating payment on the web site.

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\n THE\n TAX\n CERTIFICATE SALE top
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\n What is the auction process?
\n Certificates are sold in the order advertised. Bidding begins at 18% (the\n maximum rate) and bids down in decrements of one quarter\n of one percent. Each certificate is sold individually to the bidder\n offering the lowest interest rate. In the case of a tie at the lowest\n rate, the winner will be selected using a random number generator in\n the auction software. Items that receive no bids are \"struck\" to the\n county and become county-held certificates. Bids are accepted at 0.00%\n (zero), but certificates awarded at this rate WILL NOT accrue interest.\n Bids at 0.00% will not be treated as Proxy bids in sales using Proxy\n Bidding.
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\n Is there a cost to participate?
\n Registration on the web site is free. You only need to make payment for\n a refundable security deposit, and to pay the balance due for any\n certificate purchases.
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\n What is a batch?
\n A batch is a subgroup of the list of auction items. The list is divided\n into batches to make the bidding process more efficient, and enable\n participants to manage their bids and budgets.
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\n Do I have to bid on all the items in a\n batch?
\n NO. Each tax certificate in each batch is auctioned independently of\n every other tax certificate.
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\n What happens to my security deposit if\n I don't win any certificates?
\n The County of Volusia will issue refunds approximately two weeks after the\n close of the sale. Refunds of ACH payments will be made electronically\n to the account you\n used to submit the deposit. Refunds of offline payments (if accepted by\n the County of Volusia) will be processed by check or wire transfer. You\n will receive an email confirmation when\n the refund is initiated.
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\n Will the Tax Collector send me a paper\n certificate or list of certificates after the sale?
\n No, the Tax Collector does not issue paper certificates or lists of\n purchases after the sale. To review and download a list of your winning\n bids:
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  1. Log in to the auction web site
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  2. \n
  3. Enter the relevant tax certificate sale
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  5. Click on the Results tab
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  7. Select \"All Certificates\" from the Certificate Lists menu
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  9. Select \"All Batches\" from the Batches menu
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  11. Select your buyer number from the Bidder menu
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  13. Select \"Winning Bids\" from the Results menu
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  15. Check \"Hide Removed Certificates\"
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\n After completing these steps you will see a list of your purchases. You\n can download the list in Excel, or comma-separated values format (CSV),\n by clicking the icons on the right-hand side of the page above the list\n of certificates.
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\n USING\n THE AUCTION SITE\n top
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\n I forgot my password. What should I do?
\n Click the Forgot your password link on the home page. Answer a few questions\n and the system will send you a temporary password via email.
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\n I forgot my User ID. What should I do?
\n Click \"Forgot your User ID?\" on the Sign In page. Answer a few questions and\n the system will send your User ID via email.
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\n What is Proxy Bidding?
\n In a live auction, bidders lower their bids by %\n decrements until they are the only bidder left or until the interest\n goes below their acceptable minimum level, at which point they would\n drop out.
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\n Proxy bidding is a form of competitive sale in which bidders enter the\n minimum interest rate that they are willing to accept for each\n certificate. The auction system acts as an electronic agent, submitting\n bids on behalf of each bidder until their minimum bid rate is met.\n Using the proxy system the electronic agent keeps lowering your bid by\n quarter percent decrements until you are either the only bidder left,\n (in which case you get the certificate at a quarter percent lower than\n the previous bid) or until you reach the floor you have set. Note:
\n \n Does my budget amount limit the number\n of bids I can submit?
\n No. You can submit an unlimited number of bids regardless of your\n budget amount. However, you will not be awarded an item if the award\n would cause the value of your purchases to exceed your budget amount.
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\n Is my budget amount automatically 10x\n my deposit amount?
\n No. The maximum allowable budget you can set is 10x your deposit\n amount, but you have to enter what you want your budget to be. You can\n modify your budget any time before the end of the sale, as long as you\n have at least 10% of that amount submitted as your deposit.
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\n Where can I find sale results?
\n You can see results by logging in to www.bidvolusia.com,\n entering the\n auction, and clicking on the Results tab in the upper right-hand part\n of the page. Clicking on the winning bid for any certificate will\n display a list of all submitted bids in a new window.
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\n What equipment or software do I need\n to be able to participate?
\n In order to use the auction web site you need an internet connection\n and\n modern web browser with JavaScript and cookies enabled.
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\n Many people choose one of the following freely available browsers:
\n \n If I have a question about how to use\n the web site, who do I contact?
\n Contact Grant Street Group by email at LienHub@GrantStreet.com,\n or by phone at (866) 247-4370, between 8:00 a.m. and 5:00 p.m. EST on\n business days.
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\n TAX\n CERTIFICATES top
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\n How do I receive redemption funds?
\n When a certificate has been redeemed, the certificate holder is entitled to\n the face value plus whatever interest the certificate has earned.\n Certificates are redeemed when the owner, title company or mortgage company\n pays the outstanding taxes, or when the holder of a certificate on the same\n parcel (from a different tax year) redeems it as part of a tax deed\n application. Redemption proceeds are remitted to certificate holders by the\n Tax Collector. The certificate holder is never paid directly unless it is\n from a Bankruptcy Trustee. If that happens, you must notify the Tax\n Collector when you are paid in full and request that the certificate be\n canceled.
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\n Can I pay the taxes and own the\n property?
\n NO. You have not purchased property. A tax certificate purchase does not\n convey any property rights or ownership to the certificate holder.
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\n Can an interest rate be changed after\n the sale?
\n The following may affect the interest rate:
\n \n Why would a certificate be canceled or\n reduced?
\n A certificate could be canceled or reduced for various reasons such as\n to correct errors, omissions, or double assessments, or when ordered by\n a court.
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\n Are tax certificates transferable?
\n Certificates can be transferred by completing an endorsement form and\n paying the applicable fees through the Tax Collector's office.
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\n When are county-held certificates\n available for purchase?
\n County-held tax certificates, other than those with homestead real\n estate under $250, may be purchased after the close of the tax sale.\n If the Tax Collector sells county-held certificates online using\n LienHub, the auction web site will have a link on the home\n page that says \"Purchase County-Held Certificates.\" If not, you should\n see the Tax Collector's web site for more information about county-held\n certificates.
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\n What is the life of a tax certificate?
\n The statute of limitation on a tax certificate is seven years from the\n date of issuance. If a tax deed has not been applied for and no other\n administrative or legal proceeding exists, the tax certificate becomes null\n and void after seven years.

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Does bankruptcy prevent the sale of a tax certificate?
\n Per Administrative Order FLMB 2018-1 of the United States Bankruptcy\n Court, Middle District of Florida, In the interest of fostering the\n benefits of tax certificate sales related to cases before this Court, the\n Court confirms that the automatic stay of 11 U.S.C. 362 (a) does not\n prevent the sale of tax certificates in the ordinary course of Florida Tax\n Collectors business.  Certificates will be sold in accordance with\n the Middle District order.

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How can I tell if the tax certificate I am bidding on is\n associated with a parcel that is in bankruptcy?
\n On the bid page, a red flag will show next to the Account Number for any\n tax certificate that is associated with a parcel that has an account flag\n on it. Placing the cursor on the red flag will display a popup that will\n detail the flag(s) on that account.  If the popup contains the word\n bankruptcy or the abbreviated BK, the parcel owner is currently in\n bankruptcy.  You can also use the Account Flags field on the Search\n or Report pages of the auction site to identify those parcels that are in\n bankruptcy.

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What will I need to do if awarded a tax certificate on a parcel\n that is in bankruptcy?
\n If you are the successful bidder, you may be required to transfer the\n proof of claim with the bankruptcy court.  A fee may be required to\n complete the transfer of the claim.  You may wish to consult with an\n attorney before submitting bids on certificates associated with parcels in\n bankruptcy.

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If awarded a tax certificate on a parcel in bankruptcy, can I\n begin a tax deed application right away?
\n No.  Per Administrative Order FLMB 2018-1 of the United States\n Bankruptcy Court, Middle District of Florida, this order does not permit\n the sale of tax deeds, as a sale of property of a bankruptcy estate or\n property of a debtor in bankruptcy is subject to 11 U.S.C. 362 (a) until\n the stay terminates by operation of law or is modified by order of the\n bankruptcy court.  Upon the closure of the bankruptcy, Florida\n Statute 197.502 applies.  See the Tax Deeds section of this FAQ\n document for more information.
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\n TAX\nDEED\n APPLICATIONS top
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\n What is the Florida tax deed process?
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At any time after 2 years have elapsed since April 1 of the year of\n issuance of the tax certificate and before the cancelation of the\n certificate, the holder of a tax certificate may file the certificate and\n an application for a tax deed with the tax collector of the county where\n the property described in the certificate is located.

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At the time of application, a certificate holder who makes application\n for a tax deed shall pay the tax collector all amounts required for\n redemption or purchase of all other outstanding tax certificates, plus\n interest, any omitted taxes, plus interest, any delinquent taxes, plus\n interest, and current taxes, if due, covering the property. In\n addition, the certificate holder shall pay the costs of resale, if\n applicable, and failure to pay such costs within 30 days after notice\n from the clerk shall result in the clerks entering the land on a list\n entitled lands available for taxes.

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The tax collector will certify to the Clerk of the Circuit Court a\n list of all persons required by law to be notified prior to the sale of\n the property and a certification of monies involved in the application.\n The tax deed applicant will then be notified of the additional funds\n needed for advertising and other costs. After all necessary advertising\n and noticing, the Clerk's office will schedule a tax deed sale date.\n The tax deed applicant receives 18% per annum interest on the\n application, beginning the month after application through the month of\n redemption or tax deed sale date. If the property is purchased by a\n person other than the certificate holder, the certificate holder will\n be reimbursed all of the sums paid, including the above referenced 18%\n interest. For complete rules please see Florida Statute 197.502.

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\n Can I apply for a tax deed online?
\n Some tax collectors use LienHub for online tax deed applications.\n For more information, go to the LienHub\n site\n and select the county from the menu on the home page. For tax\n collectors that do not use LienHub, see the tax collector's web\n site for more information.
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\n Can a homesteaded property be sold by\n tax deed?
\n Yes. The opening bid on property assessed on the latest tax roll as\n homestead property shall include, in addition to the amount of money\n paid to the tax collector by the certificate holder at the time of\n application, the amount required to redeem the applicants tax\n certificate, and an amount equal to one-half of the assessed value of\n the homestead property as listed on the current year's tax roll.
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\n Who conducts the tax deed sale?
\n The Clerk of the Circuit Court. The tax deed is issued to the highest\n bidder. The opening bid must include all the costs paid by the tax deed\n applicant plus all other costs for conducting the sale. The\n title-holder of record has the right to redeem the property by paying\n the Tax Collector all previously described costs at any time before\n full payment for a tax deed is made to the Clerk of the Circuit Court.
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Craig\n Baumgardner, CFCA, CEL
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Volusia County Revenue Division Director
\n 123 W Indiana Ave, Room 103
\n DeLand, FL 32720
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