Is there a time frame or limit on how long before you have to distribute any remaining funds after all debts have been settled.???

There is no time llimit set in the Florida Probate Code.   Some of the circuits have set local rules with a time limit to close the estate.  The personal representative has a reasonable time to complete the administration.   The personal representative should be in contact with the beneficiaries and let them know what is going to happen and when.   If the personal representative delays, any beneficiary can ask the Court for a status conference for the personal representative to explain what the plan is.