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📍 Highlands County · Sebring, Florida

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

Free, honest help for Highlands 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

Highlands County foreclosure — what you need to know

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

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

Keep your property

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

Stay in place

Sell on the market

If you have time and equity, a traditional sale in Sebring 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 Highlands 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 Highlands 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 Highlands County.

Protect credit

Just get clarity first

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

No pressure
Every kind of property

Help for every property type
in Highlands County.

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

House foreclosure in Highlands County

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

Land foreclosure in Highlands County

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

Commercial foreclosure in Highlands County

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

💰 The money most Highlands owners never claim

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

When a property in Highlands 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 Highlands 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 Highlands 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 Highlands County — at no upfront cost.
0FL Counties Covered
60Day Surplus Window
$0Cost To You
Highlands County courthousePhoto: Fl295 / Wikimedia Commons (public domain)
Local · Highlands County

Foreclosure in Highlands County

In this Florida Heartland county, foreclosure cases are heard in the Tenth Judicial Circuit Court, with the Clerk of the Circuit Court & Comptroller in Sebring overseeing the case file and the sale. Foreclosure sales are currently held in person on the date ordered by the judge at the Highlands County Government Center on South Commerce Avenue, and anyone wishing to bid must complete an Intent to Bid form beforehand. Because the court sets the sale date, watching the calendar early gives you time to weigh your options, such as reinstating the loan, working out a deal with the lender, or claiming surplus funds after the sale.

CourtTenth Judicial Circuit Court of Florida
ClerkHighlands County Clerk of the Circuit Court & Comptroller
Population109,778 (2024)
AuctionsIn person — Highlands County Government Center, 600 S. Commerce Ave., Sebring (date set by the court)

Sebring is home to Sebring International Raceway, which has hosted the 12 Hours of Sebring endurance race since 1952 on a course built from a former World War II airfield.

Official Highlands County resources: Clerk of Court

Questions

Highlands County foreclosure FAQ

Is Highlands County a judicial foreclosure county?+

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

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

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

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

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