Florida's right of redemption lets the borrower — or anyone holding a junior lien — stop a foreclosure sale by paying off the full judgment amount plus the foreclosing party's costs, any time before the clerk files the certificate of sale. Once that certificate is filed, the right of redemption is gone.
The right of redemption belongs to the borrower being foreclosed, or to anyone holding a lien junior to the one being foreclosed. It runs until the clerk files the certificate of sale — or the deadline set in the foreclosure judgment, whichever comes later. After that point, the sale is final and there is no redemption.
A property can look like a sure thing right up until the borrower pays it off the morning of the sale. Redemption is a live risk on every foreclosure listing until the auction actually happens — treat a scheduled sale as tentative, not guaranteed, until it closes.
Redemption is specific to foreclosure sales. A Florida tax deed sale does not carry the same statutory right — checking status before you assume either way protects you from budgeting time and money around a sale that either won't happen, or won't reverse.
Fla. Stat. §45.0315 — official text
"At any time before the later of the filing of a certificate of sale by the clerk of the court or the time specified in the judgment, order, or decree of foreclosure, the mortgagor or the holder of any subordinate interest may cure the mortgagor's indebtedness and prevent a foreclosure sale by paying the amount of moneys specified in the judgment, order, or decree of foreclosure, or if no judgment, order, or decree of foreclosure has been rendered, by tendering the performance due under the security agreement, including any amounts due because of the exercise of a right to accelerate, plus the reasonable expenses of proceeding to foreclosure incurred to the time of tender, including reasonable attorney's fees of the creditor. Otherwise, there is no right of redemption."
No — the right of redemption ends when the certificate of sale is filed; that is the outer edge of the window.
The borrower being foreclosed, or the holder of a lien junior to the one being foreclosed.
No — the statutory right of redemption described here applies to foreclosure sales, not tax deed sales.
This is general educational information, not legal, financial, or investment advice. Auction data and value estimates should always be independently verified. Consult a licensed Florida attorney and title professional before bidding on any property.