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📍 Monroe County · Key West, Florida

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

Free, honest help for Monroe 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

Monroe County foreclosure — what you need to know

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

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

Keep your property

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

Stay in place

Sell on the market

If you have time and equity, a traditional sale in Key West 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 Monroe 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 Monroe 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 Monroe County.

Protect credit

Just get clarity first

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

No pressure
Every kind of property

Help for every property type
in Monroe County.

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

House foreclosure in Monroe County

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

Land foreclosure in Monroe County

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

Commercial foreclosure in Monroe County

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

💰 The money most Monroe owners never claim

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

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

Foreclosure in Monroe County

In Monroe County, which covers the Florida Keys, foreclosure cases are heard in the Sixteenth Judicial Circuit Court, and the Monroe County Clerk of the Circuit Court & Comptroller handles the sales. Foreclosure auctions are held in person on the front steps of the courthouse at 500 Whitehead Street in Key West, and all deposits and payments must be made in certified funds. Because you generally must be present to bid, contacting the clerk's civil division early is the best way to confirm sale dates and any cancellations.

CourtSixteenth Judicial Circuit Court
ClerkMonroe County Clerk of the Circuit Court & Comptroller
Population81,860 (2024)
AuctionsIn person — Monroe County Courthouse steps, 500 Whitehead St., Key West

Monroe County's seat, Key West, is the southernmost city in the continental United States.

Official Monroe County resources: Clerk of Court

Questions

Monroe County foreclosure FAQ

Is Monroe County a judicial foreclosure county?+

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

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

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

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

Get your free Monroe County options guide

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