Floyd County, IA tax sales
How tax lien certificate sales work in Floyd County, seat of Charles City: sale calendar, auction platform, over-the-counter lists, and the offices that run each sale.
Verified Jul 29, 2026 against official county and state sources.
New here? Read how Iowa tax sales work, the difference between a lien and a deed, and redemption periods.
How Floyd County sells delinquent taxes
Tax certificate sale (lien)
- Run by
- Floyd County Treasurer's Office
- Frequency
- annual
- Typical timing
- Annual sale on the third Monday in June. The county page states: "The 2026 Floyd County Tax Sale will begin online at 9:00 a.m. on Monday, June 15, 2026." The bidder packet places the sale "in the Treasurer's Office in the Floyd County Courthouse, 101 S. Main S., Suite 303, Charles City, Iowa, beginning at 9:00 a.m."
- Next expected
- on the third Monday in June, 2027 (window; exact date posts closer to the sale)
Registration and deposit
Register online at iowataxauction.com. For the 2026 sale, registration opened Monday, May 18, 2026 at 12:01 a.m. and closed Thursday, June 11, 2026 at 11:59 p.m.; the packet states that all steps in the registration process must be completed by that deadline. A non-refundable $41.00 registration fee is collected by ACH debit. All bids must be placed online and live bids are not accepted. Platform support: (877) 243-9997 or [email protected].
Floyd County runs an online-only bid-down sale hosted on the Iowa Tax Auction Program platform, though the sale is legally conducted from the Treasurer's Office in the courthouse. Bidders need not attend in person; the county makes one computer available at the courthouse on a first-come, first-served basis. Bid downs range in whole percentage points from 99% to 1% of undivided interest, and the bidder designating the smallest percentage wins; tied bids are resolved by random selection. Interest accrues at 2% per month against the amount for which the parcel was sold. The Delinquent Tax List is published in the Charles City Press and online, and for 2026 the county said parcels on the published list would also be reviewable on the auction site by Friday, May 29, 2026. Confirm the current year's date, registration window, and fee with the Treasurer's Office before bidding.
Register on SRI / ZEUSFrom lien to deed
- Run by
- County Treasurer
- Frequency
- none
- Typical timing
- Iowa holds no tax deed auction. The treasurer makes out a treasurer's deed to the certificate holder immediately after 90 days have expired from completed service of the notice of expiration of the right of redemption, once the holder returns the certificate and pays the deed and recording fees.
There is nothing for an investor to bid on at the deed stage in Iowa. The only auction is the June certificate sale. The certificate holder must return the certificate of purchase and remit the deed and recording fees within 90 calendar days after the redemption period expires, or the treasurer cancels the certificate.
Over-the-counter (leftover) purchases
Two routes reach parcels after the June sale. Parcels that remain unsold for want of bidders are carried to adjourned sales, which the treasurer sets at intervals of not more than two months until the next annual sale. Separately, certificates struck to the county at the public bidder sale may be assigned by the county for the total amount due on the date of assignment, or for a compromised amount, under a written agreement filed with the treasurer and a 10 dollar assignment transaction fee. Ask the county treasurer which county-held certificates are available for assignment.
New to this path? Read how over-the-counter certificates work.
County offices
Tax Collector (runs the certificate sale)
Notes for Floyd County
- County seat is Charles City. The Treasurer's Office is in the Floyd County Courthouse at 101 S Main Street, Suite 303, open Monday through Friday, 8:00 a.m. to 4:30 p.m.
- The current treasurer listed on the county site is Jessie Holm; general office email is [email protected].
- The county publishes a downloadable tax sale list spreadsheet from its Tax Sale page each year (the 2026 file was labeled Current Tax Sale List 6-9-26). The direct file link changes annually, so start from the Tax Sale page.
- Floyd County maintains two working domains for the same content: floydcoia.org and floydco.iowa.gov. Both serve the same Tax Sale page.
- Older county tax sale documents cite a $10.00 registration fee; the 2026 online bidder packet supersedes that with a $41.00 non-refundable ACH registration fee.
Iowa statewide rules
- Minimum return
- No statutory minimum return; what you earn is set by the share of ownership taken at the sale
- Redemption
- A parcel may be redeemed at any time before the right of redemption expires. After one year and nine months from the date of sale, the certificate holder may serve a notice of expiration of the right of redemption on the person in possession, the person in whose name the parcel is taxed, and every mortgagee, contract vendor, recorded lessor, and other party of record. The right of redemption then ends 90 days after that service is complete, which means the affidavit of service has been filed with the county treasurer. Three shortened tracks exist: nine months from a public bidder sale under section 446.18, and three months from an abandoned-property or public nuisance sale under section 446.19A or 446.19B. After the treasurer delivers the deed, redemption is possible only through an equitable action in district court, and only by a person who could have redeemed during the 90-day window.
- Surplus proceeds
- No surplus arises. The deed conveys the parcel to the certificate holder rather than selling it to the highest bidder, so there are no excess proceeds to distribute. Where the winning bid was less than 100 percent, the deed conveys only that undivided percentage interest in the parcel.
A tax deed does not convey marketable title. Most buyers file a quiet title action before they can resell or insure the property. See the due diligence guide.
Frequently asked questions
Does Floyd County, Iowa sell tax liens or tax deeds?
- Floyd County follows Iowa's tax lien state system.
When is the Floyd County tax certificate sale?
- Annual sale on the third Monday in June. The county page states: "The 2026 Floyd County Tax Sale will begin online at 9:00 a.m. on Monday, June 15, 2026." The bidder packet places the sale "in the Treasurer's Office in the Floyd County Courthouse, 101 S. Main S., Suite 303, Charles City, Iowa, beginning at 9:00 a.m.". Registration and bidding happen on the county's online platform. Always confirm the exact date with the Tax Collector before the sale.
How often does Floyd County hold tax deed sales?
- none. Each sale is scheduled and advertised in advance, so check the county's tax deed calendar for the next posted date.
Tax Sale Atlas publishes educational information about public tax sale processes. This is not legal, financial, or investment advice. Rules, dates, and fees change; confirm with the county office before you bid.
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