Hernando County, Florida — Tax Sale & Surplus Procedure

Local operations layer. The legal framework (redemption periods, surplus rights, statutes, case law) lives on the parent page → florida. This page covers how Hernando County actually runs it. Legal information, not legal advice. Last verified: 2026-06-02.

C0. Identity

  • County seat: Brooksville · Population: ~194,510 · Recording unit: county (one of Florida’s 67 counties; FIPS 12053).
  • Parent legal framework: florida (Ch. 197 tax certificates / tax deeds; Ch. 45 mortgage foreclosure; § 197.582 tax-deed surplus).
  • County structure: Hernando follows the standard Florida model — the elected Tax Collector (Amy L. Blackburn, sworn in November 2024) conducts the annual tax-certificate sale; the elected Clerk of the Circuit Court & Comptroller (Doug Chorvat Jr.) conducts tax-deed auctions and holds tax-deed surplus funds. The Clerk also conducts judicial (Ch. 45) mortgage-foreclosure sales. The county lies in the Fifth Judicial Circuit (Citrus, Hernando, Lake, Marion, Sumter). (Sources: Tax Collector page; Clerk Tax Deeds page; Fifth Judicial Circuit — Hernando, all retrieved 2026-06-02)

C1. Local Tax Sale

Two distinct sales exist under Florida law (see florida for statutory mechanics):

(a) Tax-certificate sale — run by the Hernando County Tax Collector

  • Conducts own sale? Yes, online. · Platform: LienHub (Grant Street Group) — lienhub.com/county/hernando/certsale/main. (Source: Hernando County Tax Lien Auction — LienHub; Clerk Tax Deeds page noting “tax certificates [are] sold via Lienhub.com”)
  • Calendar: Annual. Real estate taxes become delinquent April 1; the delinquent list is advertised once per week for three consecutive weeks in May in a local newspaper; the internet tax-certificate sale follows, held in June. (Source: County Held Tax Certificates page, retrieved 2026-06-02) Florida’s statutory deadline is on or before June 1 (florida § 197.432). Exact 2026 sale date and registration deadlines posted on LienHub — needs_verification (LienHub bidder portal not fully accessible during research).
  • Bidding: bid-down interest from a statutory maximum of 18%/yr to 0% in 0.25% increments; certificate awarded to the lowest-rate bidder; unsold certificates struck to the county at 18% (state mechanics — florida § 197.432). A tax certificate “represents a lien on real property and earns interest at a maximum rate of 18% per year” and “does not convey title to the land.” (Source: County Held Tax Certificates page)
  • Cost to purchase: “listed beside each parcel in the delinquent advertisement and includes gross tax, interest, advertising cost and the cost of the tax certificate sale.” (Source: County Held Tax Certificates page)
  • County-held certificates: To purchase county-held certificates, send a list of certificates and payment to Hernando County Tax Collector, 20 N. Main St. Rm 112, Brooksville FL 34601, or email the list to tc@hernandocounty.us and wire/mail funds. (Source: County Held Tax Certificates page)
  • Registration / deposit: Bidder registration and a budget/deposit are handled through LienHub for each auction. Exact deposit dollar amounts and registration deadlines not quantified from a retrieved official page — needs_verification; call Tax Collector at (352) 754-4180.
  • Delinquent list location: Advertised three consecutive weeks in May in a local newspaper and accessible through the LienHub platform. Named newspaper not confirmed from a retrieved official source — needs_verification.
  • Contact: Hernando County Tax Collector, (352) 754-4180, 20 North Main St., Room 112, Brooksville, FL 34601.

(b) Tax-deed auction — run by the Hernando County Clerk of Circuit Court & Comptroller

  • Conducts own sale? Yes, online. · Platform: RealAuction (RealTaxDeed) — hernando.realtaxdeed.com. (Source: Clerk Tax Deeds page, retrieved 2026-06-02)
  • Sale time: Auctions commence promptly at 10:00 a.m. (Source: Clerk Tax Deeds page)
  • Advertising: Tax-deed auctions are advertised in the local newspaper for 4 consecutive weeks before the sale date. (Source: Tax FAQs page, retrieved 2026-06-02; florida § 197.512)
  • Opening bid / homestead: Opening bid = all delinquent taxes, fees, and interest paid by the applicant to initiate the sale; for homestead property, the opening bid additionally includes one-half of the latest assessed value of the homestead. (Source: Tax FAQs page; florida § 197.502(6)(c))
  • Deposit / payment terms: The high bidder must post with the Clerk a non-refundable deposit of 5% of the bid or $200, whichever is greater; the full balance is due within 24 hours by cashier’s check, money order, or cash (personal checks not accepted). (Source: Clerk Tax Deeds page; Clerk Tax Deed File Search page, retrieved 2026-06-02)
  • Tax deed case / file search: or.hernandoclerk.com/TaxSmart/. (Source: Clerk Tax Deed File Search page)
  • Sale schedule: Online at hernando.realtaxdeed.com; specific upcoming dates posted there. Frequency (weekly/monthly) not stated on a retrieved official page — needs_verification.
  • Contact — Tax Deed Division: (352) 540-6772 (Tax Deeds) · (352) 540-6768 (Recording Division); Hernando County Clerk, Recording/Tax Deed Division, Room 165, 20 North Main Street, Brooksville, FL 34601.

C2. Local Redemption → framework: right-of-redemption

  • Where/how to redeem locally: Redemption of a tax certificate before a tax deed issues is handled through the Hernando County Tax Collector. Under florida § 197.472, the owner (or any person with a legal/equitable interest) may redeem at any time after the certificate is issued and before the tax deed is issued (or before full payment for the tax deed is made to the Clerk), by paying delinquent taxes + accrued interest (subject to the 5% mandatory minimum where applicable) + advertising and sale costs to the Tax Collector. The Tax Collector then remits to the certificate holder within 15 business days. (Framework: florida § 197.472)
  • Tax payment portal (online): county-taxes.net/fl-hernando/property-tax. (Source: Tax Collector page, retrieved 2026-06-02)
  • Redemption contact: Hernando County Tax Collector — (352) 754-4180 · 20 N. Main St., Room 112, Brooksville, FL 34601.
  • Local fees: No Hernando-specific surcharge identified beyond the state statutory formula (§ 197.472). needs_verification: confirm no local redemption surcharge above the statutory minimum.
  • Deviations from state default: None identified — Hernando follows the Ch. 197 redemption framework.

C3. Local Surplus / Excess Proceeds → framework: surplus-funds

Business-critical module — sourced from the Hernando County Clerk’s official Tax Deeds page.

In Hernando County, tax-deed surplus is held and disbursed by the Hernando County Clerk of the Circuit Court & Comptroller under florida § 197.582.

  • Claim filing venue: Hernando County Clerk of the Circuit Court & Comptroller — Recording / Tax Deed Division
    • Address: Room 165, 20 North Main Street, Brooksville, FL 34601
    • Phone: (352) 540-6768 (Recording Division) · (352) 540-6772 (Tax Deeds)
    • (Source: Clerk Tax Deeds page, retrieved 2026-06-02)
  • Claim form: Claimants with subordinate liens, or the former owner, must submit an “Affidavit of Claim” to pursue recovery of tax-deed surplus. (Source: Clerk Tax Deeds page) Direct PDF URL for the Affidavit of Claim not retrieved from the official page during research — needs_verification; request from the Tax Deed Division.
  • Local deadline notes: The Clerk retains excess (surplus) funds for one year; consistent with florida § 197.582, the 120-day claim window for non-owner claimants runs from the date the Clerk mails surplus notice to interested parties of record. The former owner is not barred by the 120-day cutoff; other claimants who miss it are barred. After the holding period, unclaimed funds are transferred to the Florida Department of State / Division of Unclaimed Property. (Source: Clerk Tax Deeds page; florida § 197.582)
  • Unclaimed-funds list published? Tax-deed case and surplus information is searchable through the Clerk’s tax-deed file search at or.hernandoclerk.com/TaxSmart/. After one year, unclaimed funds escheat to Florida Unclaimed Property (P.O. Box 8599, Tallahassee, FL 32314-8599; (888) 258-2253), searchable at FLTreasureHunt.gov. (Source: Clerk Tax Deeds page; Clerk Tax Deed File Search page)
  • Contact: Recording / Tax Deed Division — (352) 540-6768 / (352) 540-6772, Room 165, 20 North Main Street, Brooksville, FL 34601.

▸ For Investors / Operators — Hernando runs the two-track Florida system: the Tax Collector’s annual June LienHub certificate sale (a lien, bid down from 18%) and the Clerk’s RealAuction tax-deed sale (a deed, $200/5% deposit, 24-hour payoff at hernando.realtaxdeed.com). Surplus from a tax-deed overbid flows through the § 197.582 waterfall and is filed with the Clerk’s Tax Deed Division (Room 165). See florida §5b for the marketable-title path (circuit-court quiet title vs. the 4-year § 95.192 bar) and §7b for liens that survive a tax deed (governmental/code-enforcement liens and the IRS § 7425 120-day redemption).

▸ For Former Owners — When a Hernando tax deed sells for more than the taxes, interest, and costs, the residual surplus belongs to the former owner and is not cut off by the 120-day claim bar that applies to other claimants (§ 197.582). The claim is filed with the Hernando County Clerk’s Recording/Tax Deed Division (Room 165, 20 North Main Street, Brooksville) using the Clerk’s Affidavit of Claim; the Clerk holds surplus one year before it escheats to Florida Unclaimed Property, where it remains reclaimable.

C4. Offices & Contacts

OfficeNameAddressPhoneURL
Tax Collector (certificate sale, redemption, tax payment)Amy L. Blackburn, Hernando County Tax Collector20 North Main St., Room 112, Brooksville, FL 34601 · Westside Branch: 7701 Forest Oaks Blvd., Spring Hill, FL 34606(352) 754-4180 · tc@hernandocounty.ushernandocounty.us/county-government/tax-collector
Clerk of Court & Comptroller (tax-deed sales, surplus, judicial foreclosure, official records)Doug Chorvat Jr.20 North Main Street, Brooksville, FL 34601 (Tax Deeds: Room 165) · Spring Hill: 7405 Forest Oaks Blvd., Spring Hill, FL 34606(352) 754-4201 (Recording) · (352) 540-6768 / (352) 540-6772 (Tax Deeds) · (352) 540-6377 (Civil/Foreclosure)hernandoclerk.com
Recorder / Official Records (deeds, liens, mortgages)Same as Clerk — Recording Department20 North Main Street, Brooksville, FL 34601(352) 754-4201hernandoclerk.com/additional-services/search-official-records
Property Appraiser (assessment, ownership, parcel search)Randy Mazourek, Hernando County Property Appraiser201 Howell Ave., Suite 300, Brooksville, FL 34601-2042(352) 754-4190 · pa@co.hernando.fl.ushernandocountypa-florida.us
Sheriff (not applicable for tax/mortgage sales)Hernando County Sheriff’s Office18900 Cortez Blvd., Brooksville, FL 34601(352) 754-6830hernandosheriff.org

Note: Florida uses the Tax Collector (certificate sale) and the Clerk (tax-deed auction; Ch. 45 foreclosure sale). The Sheriff does not conduct tax or mortgage foreclosure sales in Florida. Sheriff address/phone above are general office contacts — not load-bearing for sales — and should be reverified.

C5. Local Procedure Notes

  • Standard Florida model: Hernando follows the typical Florida structure — Tax Collector runs the annual certificate sale (LienHub); Clerk of Circuit Court runs the tax-deed auction (RealAuction / hernando.realtaxdeed.com) and holds surplus.
  • Two-platform system: LienHub (lienhub.com/county/hernando/certsale/main) for the annual tax-certificate sale (Tax Collector side); RealAuction (hernando.realtaxdeed.com) for tax-deed auctions (Clerk side).
  • Judicial foreclosure (Ch. 45) sales — IN-PERSON: Unlike many Florida counties that have moved foreclosure sales online, Hernando County conducts mortgage-foreclosure sales in person, held Tuesdays and Thursdays at 11:00 a.m. outside the Civil Department, Room 245, Hernando County Courthouse, 20 N. Main Street, Brooksville (excluding legal holidays). Bidders must register with the Clerk in the Civil Department, Room 245, by 10:30 a.m. the morning of the sale. The high bidder posts a 5% non-refundable deposit (cash or certified funds only) immediately, with the balance due by 5:00 p.m. the next business day; documentary stamps ($0.70/$100) apply for the certificate of title. (Source: Clerk Foreclosure Information page, retrieved 2026-06-02) Foreclosure surplus is governed by Ch. 45 §§ 45.032–45.033, not § 197.582.
  • Registry fees (foreclosure): 3% on the first $500, then 1.5$100 thereafter. (Source: Clerk Foreclosure Information page)
  • Recording fees: $10.00 first page;$8.50 each additional page; $1.00 indexing per name over 4; documentary stamps on deeds$0.70 per $100 ($0.70 minimum). (Source: Clerk Recording Information page, retrieved 2026-06-02)
  • Tax-deed / certificate publication newspaper: Not confirmed from a retrieved official source (certificate list advertised 3 weeks in May; tax-deed auctions advertised 4 weeks). needs_verification of the named newspaper.
  • No local ordinances deviating from state Ch. 197 / Ch. 45 procedure identified. needs_verification: confirm no local ordinance modifies the timeline or surplus process.

C6. Records Access

C8. Title & Quiet Title

  • Title type: Tax-lien certificate (the annual certificate-sale product) ripening into a tax deed after the 2-year ripening period and a clerk-conducted auction. See florida for the full legal framework.
  • Quiet title action:
    • Required? Practically yes to obtain insurable/marketable title. Florida tax deeds do not convey immediately insurable/marketable title without a quiet title action or statutory seasoning. (Framework: florida § 95.192; florida Module 5b)
    • Type: Judicial action in Circuit Court (Chancery/Equity jurisdiction).
    • Court: Fifth Judicial Circuit of Florida — Hernando County Circuit Court, Hernando County Courthouse, 20 North Main Street, Brooksville, FL 34601. The circuit’s civil/equity jurisdiction covers quiet title and other real-property title disputes. (Source: Fifth Judicial Circuit — Hernando County, retrieved 2026-06-02)
    • Typical timeline: 60–90 days (uncontested, defendants located); add ~6–8 weeks if publication service is required; contested cases may exceed 12 months. (Per florida Module 5b practice guidance)
    • Typical cost range: $1,500–$3,500 (attorney fee, uncontested residential) + filing fee ($400–$450) + title search (~$150) + publication ($125–$400 if needed); contested cases may exceed$10,000–$15,000. (Per florida Module 5b)
    • Formal seasoning alternative: After a tax deed has been of record 4 years without challenge, florida § 95.192 bars most former-owner and claimant-under-former-owner actions; some title insurers will underwrite after the 4-year seasoning without a quiet title.
  • Deed seasoning local notes: Most major Florida title insurers do not insure a tax deed immediately without a quiet title action or the 4-year seasoning under § 95.192. needs_verification of specific underwriting guidelines for named insurers active in Hernando County.
  • Title insurers active locally: Major national underwriters (Old Republic, Fidelity National Title, First American, Stewart) operate in the Hernando County / Brooksville–Spring Hill market through agents. needs_verification: specific local agent offices and tax-deed underwriting policies not confirmed from official sources.

C9. Purchaser Obligations

  • Subsequent tax payment office: When applying for a tax deed, the certificate holder must pay all subsequent/omitted and current taxes (if due) plus the redemption cost of other outstanding certificates; these are paid through the Hernando County Tax Collector (20 N. Main St., Room 112, Brooksville, FL 34601; (352) 754-4180) and become part of the opening bid. (Framework: florida § 197.502; Tax FAQs page — “opening bid consists of all delinquent taxes, fees & interest paid by the applicant”)
  • Notice to owner procedure: The Clerk of the Circuit Court (not the certificate holder) mails statutory notice to the property owner and all interested parties of record before the tax-deed sale, and the auction is advertised 4 weeks in the local newspaper, per florida § 197.522 / § 197.512. The certificate holder has no affirmative obligation to notify the owner and is subject to the 2-year contact bar (§ 197.432(13)). (Source: Tax FAQs page; florida Module 10b)
  • Redemption payment office: The property owner redeems by paying the Hernando County Tax Collector, 20 N. Main St., Room 112, Brooksville, FL 34601; (352) 754-4180. (Source: County Held Tax Certificates page)
  • Occupancy and access notes: During the pre-deed redemption window the owner retains possession; the certificate holder holds a lien interest only, not a possessory right. After the tax deed issues, the new grantee holds title and may seek summary ejectment if the former owner refuses to vacate. No Hernando County local rule was identified creating a post-deed occupancy grace period. needs_verification: confirm no local ordinance/rule provides a post-deed grace period. (Framework: florida Module 10b)

C10. Local Restrictions

  • Right of first refusal active? No municipal or land-bank ROFR at the tax-deed auction was identified in Hernando County. Under florida § 197.502, the county/municipality has a 90-day window to purchase unsold properties from the List of Lands Available for Taxes at the opening-bid price before they open to the public — a de facto first-purchase right post-auction, not at the live auction. (Framework: florida § 197.502)
  • Land bank name/URL: No dedicated land bank exists in Hernando County as of 2026. Florida has no statewide land-bank enabling statute, and no Hernando County or municipal (Brooksville) land-bank ordinance was identified. needs_verification: confirm no Hernando County / City of Brooksville land-bank or CRA-based acquisition program operates as a land bank.
  • Entity/insider notes: Florida imposes no general restriction on entity purchasers (LLCs, corporations, trusts) at tax-certificate or tax-deed sales — “any person” language in §§ 197.432 and 197.542 applies. Florida’s 2023 Ch. 692 foreign-ownership restrictions (nationals/entities from China, Russia, Iran, North Korea, Cuba, Venezuela, Syria) apply statewide. No Hernando County-specific insider or entity restriction beyond state law was identified. (Framework: florida Module 11b)

C7. Meta

  • sources:
  • needs_verification:
    • Tax-certificate sale exact 2026 date, registration deadlines, and deposit/budget amounts — LienHub bidder portal not fully accessible during research; certificate sale confirmed “held in June” per Tax Collector page. Call (352) 754-4180 or access LienHub directly.
    • Named newspaper used for the § 197.402/§ 197.512 certificate-list and tax-deed publications (3 weeks May for certificates; 4 weeks for tax deeds) — not confirmed from a retrieved official Hernando source.
    • Affidavit of Claim — direct PDF/form URL — the form name is confirmed from the Clerk’s Tax Deeds page, but a direct downloadable URL was not retrieved; request from the Tax Deed Division ((352) 540-6772).
    • Tax-deed auction frequency / day-of-week schedule — confirmed online at hernando.realtaxdeed.com at 10 a.m., but whether held weekly, biweekly, or monthly is not stated on a retrieved official page.
    • Local redemption surcharge — no Hernando-specific fee above the state statutory minimum identified; confirm with Tax Collector (352) 754-4180.
    • Ch. 45 mortgage-foreclosure surplus claim procedure — Hernando holds in-person foreclosure sales; a dedicated Hernando Clerk form/mailing process for foreclosure surplus (§§ 45.032–45.033) was not retrieved from a specific official page; contact Civil Division (352) 540-6377.
    • Land bank / CRA acquisition program — no Hernando County or City of Brooksville land bank identified; confirm no CRA-based acquisition priority exists.
    • Post-deed occupancy grace period — no Hernando local rule identified; confirm no local ordinance.
    • Title insurer-specific tax-deed seasoning guidelines for insurers active in Hernando — market presence noted but underwriting policies not confirmed from official sources.
    • Sheriff office address/phone — listed as general contact only; the Sheriff does not conduct tax/mortgage sales in Florida; reverify if needed.
  • cross_links: florida, surplus-funds, right-of-redemption, treasurer-sale, sheriff-sale, third-party-recovery-rules, due-process-notice, tyler-v-hennepin-county, vosilla-v-rosado-2006, dawson-v-saada-1992, cricket-properties-v-nassau-pointe-2013, bankruptcy-automatic-stay, heirs-property
  • changelog:
    • 2026-06-02 — Initial population. All C0–C10 modules filled from Hernando County Tax Collector (hernandocounty.us), Clerk of Circuit Court & Comptroller (hernandoclerk.com — Tax Deeds, Tax Deed File Search, Foreclosure Information, Recording Information, Search Official Records), Property Appraiser (hernandocountypa-florida.us), and Fifth Judicial Circuit (circuit5.org) official pages. Key verified facts: LienHub certificate-sale platform and June sale; RealAuction tax-deed platform at hernando.realtaxdeed.com, $200/5% non-refundable deposit, 24-hr payment, 10 a.m. start, 4-week advertising; tax-deed surplus held 1 year, Affidavit of Claim filed with Recording/Tax Deed Division Room 165; IN-PERSON Ch. 45 foreclosure sales Tue/Thu 11 a.m. Room 245; recording fees and doc-stamp rate; LandmarkWeb (1983–present) and TaxSmart record portals; current Property Appraiser Randy Mazourek; Fifth Judicial Circuit quiet-title venue. Ten operational gaps flagged as needs_verification (all Row 2).

Legal information, not legal advice. This page summarizes how Hernando County, Florida administers tax-certificate and tax-deed sales and surplus claims for research purposes only and may be incomplete or out of date. Procedures, offices, platforms, form names, and deadlines change. Verify every figure, address, and deadline against the cited official Hernando County sources and consult a licensed Florida attorney before acting. The legal framework lives on florida. Last verified: 2026-06-02.