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📍 Flagler County · Bunnell, Florida

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

Free, honest help for Flagler 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

Flagler County foreclosure — what you need to know

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

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

Keep your property

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

Stay in place

Sell on the market

If you have time and equity, a traditional sale in Bunnell 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 Flagler 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 Flagler 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 Flagler County.

Protect credit

Just get clarity first

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

No pressure
Every kind of property

Help for every property type
in Flagler County.

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

House foreclosure in Flagler County

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

Land foreclosure in Flagler County

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

Commercial foreclosure in Flagler County

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

💰 The money most Flagler owners never claim

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

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

Foreclosure in Flagler County

If you are facing foreclosure in Flagler County, your case is handled by the Seventh Judicial Circuit Court, with the Clerk & Comptroller's office based in Bunnell, the county seat. Flagler conducts foreclosure sales entirely online at flagler.realforeclose.com, where auctions begin at 11:00 a.m. and anyone wishing to bid must register and fund their account before the sale. Reviewing your case with the Clerk's office and confirming your scheduled sale date early matters, because once a final judgment is entered the property moves toward that online auction.

CourtSeventh Judicial Circuit Court
ClerkClerk of the Circuit Court & Comptroller, Flagler County
Population115,378 (2020)
AuctionsOnline — flagler.realforeclose.com

Winning bidders at a Flagler County foreclosure sale must have the balance of the bid, plus clerk's fees and documentary stamps, in their RealAuction account within 24 hours, or the clerk issues a Certificate of Non-Sale and the sale is re-advertised.

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

Questions

Flagler County foreclosure FAQ

Is Flagler County a judicial foreclosure county?+

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

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

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

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

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