Unclaimed Surplus Funds in Gulf County, FL
When a property sells at tax-deed or foreclosure auction for more than what was owed, the overage — the “surplus” or “excess proceeds” — is owed back to the former owner. Heirlume tracks Gulf County'sunclaimed surplus, flags deceased owners, and computes each claim's statutory deadline.
How surplus claims work in FL
Tax-deed (197.582): 120-day lienholder bar from mailed Notice of Surplus; owner claim survives. Foreclosure (45.032): owner 60-day window, subordinate lienholders up to 1 year. Unclaimed surplus held by the clerk ~1 year from sale, then reported to the FL Dept. of Financial Services — Unclaimed Property.
Recovery fees: FL: assignee/finder compensation capped at 12% of surplus (Fla. Stat. 45.033, foreclosure; tax-deed disbursement under 197.582). Owner may claim without an attorney.
Statutes: Fla. Stat. 197.582, Fla. Stat. 45.032, Fla. Stat. 45.033. Not legal advice.
Recent Gulf County surplus (sample)
Owner names unlock with a subscription.
| Owner | Surplus | Deceased | Claim window |
|---|---|---|---|
| 🔒 H••• V• L•• | $37,036 | — | active · 177d |
| 🔒 G•••••• R•••••• A•••• J | $9,964 | — | active · 128d |
| 🔒 B••••• D•••••• | $5,789 | — | expiring · 44d |
| 🔒 J••••• V L••••• | $5,238 | — | active · 128d |
| 🔒 S•••••• C F•••••• | $4,162 | — | active · 191d |
| 🔒 M••••• S & C••••• | $3,886 | — | active · 233d |
Full names, values, and claim deadlines — filterable and exportable.