What it is: The home is on the county's current tax-certificate list. In Florida, when property tax goes unpaid, the county tax collector sells a tax certificate on the home. The owner can still pay it off (redeem).
Why they may sell: Unpaid tax can be a sign of money pressure, an absent owner, or a home nobody is managing. If it stays unpaid, the certificate holder can later apply for a tax deed sale, so some owners prefer to sell first.
How to approach: Be gentle and helpful, never threatening. Don't mention their debt in a mailer.
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