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Florida foreclosure help — by county

Florida is a judicial foreclosure state: foreclosures go through the Circuit Court and sales are run by each county's Clerk of Courts. If a property sells for more than was owed, the surplus funds (Fla. Stat. §45.032) often belong to the former owner — but most never claim them.

Pick your county for free, honest, local help — tax or mortgage foreclosure, your options, and how to check if you're owed money.

67Counties covered
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All 67 Florida counties

Every county gets free, honest help made for where your property actually is.

Alachua CountyGainesvilleView help Baker CountyMacclennyView help Bay CountyPanama CityView help Bradford CountyStarkeView help Brevard CountyTitusvilleView help Broward CountyFort LauderdaleView help Calhoun CountyBlountstownView help Charlotte CountyPunta GordaView help Citrus CountyInvernessView help Clay CountyGreen Cove SpringsView help Collier CountyNaplesView help Columbia CountyLake CityView help DeSoto CountyArcadiaView help Dixie CountyCross CityView help Duval CountyJacksonvilleView help Escambia CountyPensacolaView help Flagler CountyBunnellView help Franklin CountyApalachicolaView help Gadsden CountyQuincyView help Gilchrist CountyTrentonView help Glades CountyMoore HavenView help Gulf CountyPort St. JoeView help Hamilton CountyJasperView help Hardee CountyWauchulaView help Hendry CountyLaBelleView help Hernando CountyBrooksvilleView help Highlands CountySebringView help Hillsborough CountyTampaView help Holmes CountyBonifayView help Indian River CountyVero BeachView help Jackson CountyMariannaView help Jefferson CountyMonticelloView help Lafayette CountyMayoView help Lake CountyTavaresView help Lee CountyFort MyersView help Leon CountyTallahasseeView help Levy CountyBronsonView help Liberty CountyBristolView help Madison CountyMadisonView help Manatee CountyBradentonView help Marion CountyOcalaView help Martin CountyStuartView help Miami-Dade CountyMiamiView help Monroe CountyKey WestView help Nassau CountyFernandina BeachView help Okaloosa CountyCrestviewView help Okeechobee CountyOkeechobeeView help Orange CountyOrlandoView help Osceola CountyKissimmeeView help Palm Beach CountyWest Palm BeachView help Pasco CountyDade CityView help Pinellas CountyClearwaterView help Polk CountyBartowView help Putnam CountyPalatkaView help Santa Rosa CountyMiltonView help Sarasota CountySarasotaView help Seminole CountySanfordView help St. Johns CountySt. AugustineView help St. Lucie CountyFort PierceView help Sumter CountyBushnellView help Suwannee CountyLive OakView help Taylor CountyPerryView help Union CountyLake ButlerView help Volusia CountyDeLandView help Wakulla CountyCrawfordvilleView help Walton CountyDeFuniak SpringsView help Washington CountyChipleyView help
Questions

Florida foreclosure questions

Plain-English answers about how foreclosure and surplus funds work across Florida.

Is Florida a judicial foreclosure state?+

Yes. Florida is a judicial foreclosure state, so a mortgage foreclosure goes through the Circuit Court and the sale is run by the county's Clerk of Courts. No lender can foreclose without a court process.

How do I claim surplus funds after a foreclosure in Florida?+

If a Florida property sells at auction for more than was owed, the surplus is held by the county Clerk of Courts. Under Fla. Stat. §45.032 the former owner has priority to claim it, generally within 60 days of the clerk's notice, by filing a claim with the Clerk and proof of prior ownership.

Can I still sell my house in Florida after foreclosure starts?+

In most cases yes. You can sell any time before the foreclosure auction, and a sale that pays off the debt stops the foreclosure.

Free official help

Trusted, no-cost resources

💡 Free official help: Reach a HUD-approved housing counselor anywhere in Florida at no cost — 1-800-569-4287 or the CFPB counselor finder. Foreclosure & tax-deed sales are administered by each county's Clerk of Courts. We always point you to these — even though they aren't us.