Fla. Stat. 197.582
The surplus clock starts when the clerk mails notice.
Not the sale date. Getting that anchor wrong is the single most common reason a claim arrives dead. Enter the mailing date printed on the notice and read the whole lifecycle.
Who is claiming
How it will be filed
Filing date is the USPS postmark. A claim postmarked on day 120 is timely even if it arrives later.
Enter the notice mailing date.
Arithmetic tool only. Statutory periods, tolling and county practice change. The owner exception in s. 197.582(5) and the presumption in s. 197.582(9) mean an owner is not barred at day 120. Verify the controlling deadline with the clerk of court and your counsel before relying on it. Not legal advice.