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📍 St. Johns County · St. Augustine, Florida

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

Free, honest help for St. Johns 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

St. Johns County foreclosure — what you need to know

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

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

Keep your property

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

Stay in place

Sell on the market

If you have time and equity, a traditional sale in St. Augustine 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 St. Johns 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 St. Johns 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 St. Johns County.

Protect credit

Just get clarity first

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

No pressure
Every kind of property

Help for every property type
in St. Johns County.

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

House foreclosure in St. Johns County

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

Land foreclosure in St. Johns County

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

Commercial foreclosure in St. Johns County

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

💰 The money most St. Johns owners never claim

Did your St. Johns County property sell for more than you owed?

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

Foreclosure in St. Johns County

In St. Johns County, foreclosure cases are heard by the Seventh Judicial Circuit Court in St. Augustine, the county seat, and the case file is maintained by the St. Johns County Clerk of the Circuit Court & Comptroller. Foreclosure sales are conducted online at saintjohns.realforeclose.com, where you register in advance and the winning bidder posts a deposit before paying the balance to receive a certificate of title. Because the court sets a definite sale date after a final judgment, confirming that date with the Clerk and understanding your rights early gives you the most time to act.

CourtSeventh Judicial Circuit Court
ClerkSt. Johns County Clerk of the Circuit Court & Comptroller
Population334,928 (2024)
AuctionsOnline — saintjohns.realforeclose.com

St. Johns County was one of Florida's two original counties when it was created in 1821, and its seat, St. Augustine — founded in 1565 — is the oldest continuously occupied European-established settlement in the continental United States.

Official St. Johns County resources: Clerk of Court · foreclosure auction portal

Questions

St. Johns County foreclosure FAQ

Is St. Johns County a judicial foreclosure county?+

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

How do I claim surplus funds after a foreclosure in St. Johns County?+

If a St. Johns 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 St. Johns County Clerk with proof of prior ownership.

Can I still sell my house in St. Johns 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 St. Johns County timeline.

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