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📍 Martin County · Stuart, Florida

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

Free, honest help for Martin 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

Martin County foreclosure — what you need to know

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

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

Keep your property

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

Stay in place

Sell on the market

If you have time and equity, a traditional sale in Stuart 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 Martin 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 Martin 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 Martin County.

Protect credit

Just get clarity first

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

No pressure
Every kind of property

Help for every property type
in Martin County.

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

House foreclosure in Martin County

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

Land foreclosure in Martin County

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

Commercial foreclosure in Martin County

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

💰 The money most Martin owners never claim

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

When a property in Martin 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 Martin 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 Martin 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 Martin County — at no upfront cost.
0FL Counties Covered
60Day Surplus Window
$0Cost To You
Martin County courthousePhoto: Tamanoeconomico / Wikimedia Commons (CC BY-SA 4.0)
Local · Martin County

Foreclosure in Martin County

Foreclosure cases in Martin County are decided in the Nineteenth Judicial Circuit Court, and the Martin County Clerk of the Circuit Court & Comptroller conducts the sales. Most foreclosure sales are held online at martin.realforeclose.com, on Tuesdays and Thursdays beginning at 10:00 a.m., and bidders must register and place a deposit before the sale. Acting early after you receive a court notice gives you room to explore your options before the property goes to auction.

CourtNineteenth Judicial Circuit Court
ClerkMartin County Clerk of the Circuit Court & Comptroller
Population162,176 (2024)
AuctionsOnline — martin.realforeclose.com

The 1937 Old Martin County Courthouse in Stuart now serves as a cultural arts center and is listed on the National Register of Historic Places.

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

Questions

Martin County foreclosure FAQ

Is Martin County a judicial foreclosure county?+

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

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

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

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

Get your free Martin County options guide

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Every option laid out plainly
You decide what's next — or nothing at all

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