Family home at golden hour in Bradford County

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📍 Bradford County · Starke, Florida

Facing foreclosure in Bradford County? You have more options than you think.

Free, honest help for Bradford County property owners facing tax or mortgage foreclosure — plus how to claim surplus funds you may be owed after a sale. House or land, keep it or sell it. No pressure, no fees.

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The quick facts

Bradford County foreclosure — what you need to know

Foreclosure typeFlorida is a judicial state — mortgage foreclosures go through the Circuit Court.

Who runs the saleBradford County Clerk of Courts (online foreclosure & tax-deed auctions).

Surplus funds held byBradford County Clerk of Courts — claimable by the former owner.

Surplus deadlineFormer owner has priority, generally within 60 days of the clerk's notice (Fla. Stat. §45.032).

Tax deed surplusHeld by the Clerk after a tax-deed sale (Fla. Stat. §197.582).

Know all your options

Every path forward in Bradford County,
explained honestly

There's rarely just one answer. Here are the real options Bradford County property owners have — including the ones that don't involve us at all.

Keep your property

Loan modification, repayment plans, forbearance, or a Bradford County tax payment plan may let you keep it. We'll point you to free, HUD-approved counselors near Starke who help with this.

Stay in place

Sell on the market

If you have time and equity, a traditional sale in Starke may net you the most. We'll tell you honestly when this is your best move — even though it isn't us.

Maximize price

Recover surplus funds

If your Bradford County property already sold at auction for more than you owed, that extra money may belong to you — not the bank or the county. Most people never claim it.

You may be owed money

Sell fast for cash

Need to move quickly or beat the auction date? A direct cash sale — house, land, or commercial in Bradford County — can close in days. One option we may offer directly, clearly disclosed, never pushed.

Speed & certainty

Deed in lieu / settlement

Handing the property back, or settling the tax debt, can sometimes protect your credit better than a full foreclosure. We'll explain when it makes sense in Bradford County.

Protect credit

Just get clarity first

Not ready to decide? That's okay. Start by understanding the full Bradford County picture before you do anything at all.

No pressure

Every kind of property

Help for every property type
in Bradford County.

House, land, or commercial — the process differs, and so does the surplus. We cover all three here, in Bradford County and across Florida.

House foreclosure in Bradford County

Mortgage foreclosure on a home in Starke or nearby — your rights, the Circuit Court timeline, and how to keep it or sell before the sale.

Land foreclosure in Bradford County

Vacant lot or acreage behind on taxes? Tax-deed foreclosure on Bradford land works differently — and surplus funds are common here.

Commercial foreclosure in Bradford County

Storefront, office, or multi-unit in trouble? Your options for commercial property in Bradford County, including a fast, clearly-disclosed cash sale.

💰 The money most Bradford owners never claim

Did your Bradford County property sell for more than you owed?

When a property in Bradford County sells at a mortgage-foreclosure or tax-deed auction for more than the debt owed, the leftover — called surplus funds — is held by the Bradford County Clerk of Courts and often belongs to you, the former owner.

But there's a catch: the clock is ticking — generally 60 days from the clerk's notice under Fla. Stat. §45.032 — and others comb these records to claim it first. Most owners never even know it exists.

Check if you're owed money in Bradford County

$0+

Typical surplus left unclaimed after a foreclosure or tax sale*

*For illustration. Actual amounts vary widely by property, sale, and county. We'll help you find out what (if anything) you may be owed in Bradford County — at no upfront cost.

0FL Counties Covered

60Day Surplus Window

$0Cost To You

Photo: Michael Rivera / Wikimedia Commons (CC BY-SA 4.0)

Local · Bradford County

Foreclosure in Bradford County

Foreclosures in Bradford County are decided in the Eighth Judicial Circuit Court, and the Bradford County Clerk of the Circuit Court & Comptroller in Starke keeps the case file and conducts the sale. Sales here are held in person at the Bradford County Courthouse, beginning at 11 a.m. on the date set by the court. Because the court controls the timeline, reaching out early gives you the most options, from negotiating with your lender to recovering any surplus left over after the property sells.

CourtEighth Judicial Circuit Court of Florida

ClerkBradford County Clerk of the Circuit Court & Comptroller

Population27,670 (2024)

AuctionsIn person — Bradford County Courthouse, 945 N. Temple Ave., Starke

Camp Blanding, on Kingsley Lake in Bradford County, was one of the U.S. Army's largest training centers during World War II.

Official Bradford County resources: Clerk of Court

Questions

Bradford County foreclosure FAQ

Is Bradford County a judicial foreclosure county?+

Yes. Florida is a judicial foreclosure state, so a Bradford County mortgage foreclosure goes through the Circuit Court and the sale is conducted by the Bradford County Clerk of Courts.

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

If a Bradford County property sells for more than was owed, the surplus is held by the 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. You file a claim with the Bradford County Clerk with proof of prior ownership.

Can I still sell my house in Bradford County 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. We'll help you understand the Bradford County timeline.

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