Insights
Are Former Owners Entitled to Surplus Funds in Florida? Yes, and Here Is the Proof.
Florida law preserves your right to the surplus left after a mortgage foreclosure or tax deed sale. These articles explain how surplus funds work, who they belong to, and how former owners across Florida recover what is theirs.
Understand Your Surplus Funds
Tyler v. Hennepin: How a 94-Year-Old Woman Won Your Right to Claim Surplus Funds
Geraldine Tyler was 94 when her county sold her condominium for $40,000 over a $15,000 debt and kept every dollar. She took it to the Supreme Court of the United States and won, unanimously. Florida had protected that money for generations before the ruling. What Tyler did was settle the question for the whole country, and none of it happens on its own.
Watch and readWhat Surplus Funds Are and Who They Belong To in Florida
Your equity is still yours. It changed from a number on an appraisal into real money waiting for you to claim it.
Watch and readFLGIT and Your Equity: Where Does the Interest Go While Florida Holds Your Surplus Funds?
Florida counties pool unclaimed foreclosure surplus into a multi-billion-dollar investment trust while you search for what happened to your money. Here is where it goes, why it matters, and how to claim the equity that is yours.
Watch and readPung v. Isabella County: What the Supreme Court's Home Equity Ruling Means for Florida
A single property tax dispute of about $2,200 put a Michigan family's home, and a national question about home equity, in front of the United States Supreme Court. The Court ruled on June 23, 2026. Here is what the decision says, and what it means for Florida families who are owed surplus funds.
Watch and readThe Equity That Survives Your Florida Foreclosure: Claim What's Yours
Your home was sold at auction, and the sale price exceeded what you owed. That surplus belongs to you, but the county will not be looking for you. Here is what is happening to your money right now, who is profiting from it, and how to claim what is yours.
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Owners Are Getting Paid: Settlements and New Laws Across the Country
Lane County Will Pay $1.3 Million for Kept Foreclosure Surplus: More Proof Your Equity Belongs to You
Another county has agreed to pay former homeowners the money it kept after tax foreclosure sales. Lane County, Oregon is settling claims for $1.3 million, and the message reaching Florida families is unmistakable: the surplus funds left after a foreclosure are your property, and the law stands with you.
Watch and read- Article
Florida Homeowners Already Have the Equity Protection Illinois Just Won
Illinois has passed a major reform to return equity to owners who lose property at tax sale. Here is what House Bill 4537 changes, and why Florida families are already protected after a foreclosure or tax deed sale.
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Questions about your surplus? Call (305) 307-1634