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Facing foreclosure in Miami-Dade County? You have more options than you think.

Free, honest help for Miami-Dade 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

Miami-Dade County foreclosure — what you need to know

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

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

Keep your property

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

Stay in place

Sell on the market

If you have time and equity, a traditional sale in Miami 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 Miami-Dade 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 Miami-Dade 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 Miami-Dade County.

Protect credit

Just get clarity first

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

No pressure
Every kind of property

Help for every property type
in Miami-Dade County.

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

House foreclosure in Miami-Dade County

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

Land foreclosure in Miami-Dade County

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

Commercial foreclosure in Miami-Dade County

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

💰 The money most Miami-Dade owners never claim

Did your Miami-Dade County property sell for more than you owed?

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

Foreclosure in Miami-Dade County

If your property is in Miami-Dade County, your foreclosure case runs through the Eleventh Judicial Circuit Court in Miami — the county seat — and is administered by the Miami-Dade Clerk of the Court and Comptroller. Miami-Dade conducts both foreclosure and tax-deed sales entirely online at miamidade.realforeclose.com, where you must register before you can bid on or track a property, with foreclosure auctions held Monday through Wednesday. As Florida's largest and busiest court circuit, Miami-Dade moves a very high volume of cases, so deadlines come fast once a judgment is entered — checking your case status through the Clerk's office and acting before the scheduled sale gives you the most options.

CourtEleventh Judicial Circuit Court
ClerkMiami-Dade Clerk of the Court & Comptroller
Population2,838,461 (2024)
AuctionsOnline — miamidade.realforeclose.com

The Eleventh Judicial Circuit (Miami-Dade) is Florida's largest court circuit and the fourth-largest trial court in the nation — and an early adopter of fully online judicial foreclosure auctions.

Official Miami-Dade County resources: Clerk of Court · foreclosure auction portal

Questions

Miami-Dade County foreclosure FAQ

Is Miami-Dade County a judicial foreclosure county?+

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

How do I claim surplus funds after a foreclosure in Miami-Dade County?+

If a Miami-Dade 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 Miami-Dade County Clerk with proof of prior ownership.

Can I still sell my house in Miami-Dade 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 Miami-Dade County timeline.

Get your free Miami-Dade County options guide

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