If so the actual title may have been surrendered to the state as most banks will require this.

If the deadlines are pretty close to a deed date, it's actually better to get a certificate from the state, which you can then surrender to the probate judge of county where property located, and get a deed three years after the auction.The reason a tax deed signed by the probate judge is better than a tax deed signed by the governor has to do with technicalities of evidence law if you have to file a quiet title lawsuit. 

After the 3-year anniversary from the most recent tax auction, you may surrender your certificate to the probate judge of the county where the property is located, pay a $5 fee, and receive a tax deed.

@Justin Mason, taking DIY possession without an ejectment court order or a voluntary surrender of possession by the taxpayer is risky, but sometimes you have you choice because you can't find anybody. 

Since more often than not an estate was never opened, the property manager was left in a legal limbo, and would frequently have to consider hiring an attorney to open up an estate at significant expense and delay.Florida Statutes Section 83.67 solves the problem of the deceased resident and the abandoned property, BUT it only will be effective and applicable if the proper wording is in the lease agreement.The Wording Which MUST Be in the Lease Is As Follows:BY SIGNING THIS RENTAL AGREEMENT, THE RESIDENT AGREES THAT UPON SURRENDER, ABANDONMENT, OR RECOVERY OF POSSESSION OF THE DWELLING UNIT DUE TO THE DEATH OF THE LAST REMAINING RESIDENT, AS PROVIDED BY CHAPTER 83, FLORIDA STATUTES, THE MANAGER SHALL NOT BE LIABLE OR RESPONSIBLE FOR STORAGE OR DISPOSITION OF THE RESIDENT'S PERSONAL PROPERTY.Is This Wording in Your Lease?

Or because they have surrendered the property they no longer have legal ties to it?

In fact, if you know now you won't be renewing, tell them now so they can start looking and maybe surrender your property early.

Surrender - The tenant moves out willingly, with some kind of positive handoff (i.e. they turn in their keys and/or otherwise communicate their intentions to you)2.

The property is vacant, not abandoned, and the notice to surrender possession was mailed and received a year ago.

You would have to be insane to surrender a 2.85% loan in this environment.