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📍 Duval County · Jacksonville, Florida

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

Free, honest help for Duval 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

Duval County foreclosure — what you need to know

Foreclosure typeFlorida is a judicial state — mortgage foreclosures go through the Circuit Court.
Who runs the saleDuval County Clerk of Courts (online foreclosure & tax-deed auctions).
Surplus funds held byDuval 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 — Duval 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 Duval County,
explained honestly

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

Keep your property

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

Stay in place

Sell on the market

If you have time and equity, a traditional sale in Jacksonville 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 Duval 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 Duval 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 Duval County.

Protect credit

Just get clarity first

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

No pressure
Every kind of property

Help for every property type
in Duval County.

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

House foreclosure in Duval County

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

Land foreclosure in Duval County

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

Commercial foreclosure in Duval County

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

💰 The money most Duval owners never claim

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

When a property in Duval 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 Duval 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 Duval 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 Duval County — at no upfront cost.
0FL Counties Covered
60Day Surplus Window
$0Cost To You
Duval County courthousePhoto: Excel23 / Wikimedia Commons (CC BY-SA 3.0)
Local · Duval County

Foreclosure in Duval County

If you own a home or property in Duval County, your foreclosure case is handled by the Fourth Judicial Circuit Court in Jacksonville — the county seat — and processed through the Duval County Clerk of Courts. Unlike older courthouse-step auctions, Duval now conducts foreclosure sales entirely online at duval.realforeclose.com, with tax-deed sales handled separately and the property list published at least 30 days before a sale. Because the online format can move quickly once a final judgment is entered, knowing your sale date and your rights early is critical — and reviewing your case file through the Clerk's office is the most important first step.

CourtFourth Judicial Circuit Court
ClerkDuval County Clerk of Courts
Population1,055,159 (2024)
AuctionsOnline — duval.realforeclose.com

Winning bidders at Duval's online foreclosure auction must post a non-refundable deposit of 5% of the bid (or $200, whichever is greater) by 4:00 p.m. the day before the sale, then pay the balance the next business day.

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

Questions

Duval County foreclosure FAQ

Is Duval County a judicial foreclosure county?+

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

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

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

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

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