Each year on April 1, thousands of property owners in Escambia and Santa Rosa counties fail to pay their real estate taxes. The County Tax Collector must step in to take the necessary steps to collect this tax money that is a huge part of the local government income stream. The solution is a sale of tax certificates secured against the delinquent properties. Licensed Florida Real Estate Broker and Instructor Marti Penland-Hearn will unravel the mysteries of this process and explain the big difference between a tax deed and a tax certificate. She will show you how tax certificate purchasers are earning as much as 18 percent on their purchases. Tax certificate sales begin on or before June 1 this year. She has been actively involved in brokering and investing in real estate from Pensacola to Destin over the past 40 years and will share her vast knowledge with Leisure Learning participants.