Property Assistance NetworkFree Help · Nationwide
Family home at golden hour in Citrus County
Home › Florida › Citrus County
📍 Citrus County · Inverness, Florida

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

Free, honest help for Citrus 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.

Get my free Citrus guide Am I owed surplus money?
Call or text — free, no pressure1-833-2-OPTIONS6 7 8 4 6 6 7
100% free to you No obligation, ever Tax & Mortgage

Get your free Citrus options guide

Tell us a little about your situation. We'll send a clear, no-pressure breakdown of every option available to you in Citrus County.

Optional. You will still get your free guide by email if you leave this unchecked — agreeing to texts is never required to use anything we offer.

The quick facts

Citrus County foreclosure — what you need to know

Foreclosure typeFlorida is a judicial state — mortgage foreclosures go through the Circuit Court.
Who runs the saleCitrus County Clerk of Courts (online foreclosure & tax-deed auctions).
Surplus funds held byCitrus 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).
⚙️ Sample page — Citrus County data shown for illustration. In production every county page is auto-populated & kept current from our county data engine, then attorney-reviewed.
Know all your options

Every path forward in Citrus County,
explained honestly

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

Keep your property

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

Stay in place

Sell on the market

If you have time and equity, a traditional sale in Inverness 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 Citrus 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 Citrus 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 Citrus County.

Protect credit

Just get clarity first

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

No pressure
Every kind of property

Help for every property type
in Citrus County.

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

House foreclosure in Citrus County

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

Land foreclosure in Citrus County

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

Commercial foreclosure in Citrus County

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

💰 The money most Citrus owners never claim

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

When a property in Citrus 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 Citrus 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 Citrus 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 Citrus County — at no upfront cost.
0FL Counties Covered
60Day Surplus Window
$0Cost To You
Citrus County courthousePhoto: Ebyabe / Wikimedia Commons (CC BY 2.5)
Local · Citrus County

Foreclosure in Citrus County

In Citrus County, foreclosure cases are decided in the Fifth Judicial Circuit Court, and the Citrus County Clerk of the Circuit Court & Comptroller in Inverness handles the case file and the sale. Both foreclosure and tax-deed sales are conducted online, with foreclosure auctions held at citrus.realforeclose.com after bidders register and place a deposit. Knowing the schedule and how the online sale works gives you time to consider your options, from reinstating the loan to negotiating with the lender or claiming any surplus after the sale.

CourtFifth Judicial Circuit Court of Florida
ClerkCitrus County Clerk of the Circuit Court & Comptroller
Population167,241 (2024)
AuctionsOnline — citrus.realforeclose.com

Citrus County's Crystal River is one of the few places in the United States where people can legally swim with manatees in the wild.

Official Citrus County resources: Clerk of Court · foreclosure auction portal

Questions

Citrus County foreclosure FAQ

Is Citrus County a judicial foreclosure county?+

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

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

If a Citrus 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 Citrus County Clerk with proof of prior ownership.

Can I still sell my house in Citrus 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 Citrus County timeline.

Get your free Citrus County options guide

It costs nothing and commits you to nothing. A real person reviews your situation and lays out every option available to you in Citrus County — made for your exact situation.

A real person reviews your situation
Every option laid out plainly
You decide what's next — or nothing at all

Free & no obligation

1-833-2-OPTIONS6 7 8 4 6 6 7
Call or text · Open 7 days a week
Get my free guide →

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