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📍 Union County · Lake Butler, Florida

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

Free, honest help for Union 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

Union County foreclosure — what you need to know

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

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

Keep your property

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

Stay in place

Sell on the market

If you have time and equity, a traditional sale in Lake Butler 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 Union 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 Union 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 Union County.

Protect credit

Just get clarity first

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

No pressure
Every kind of property

Help for every property type
in Union County.

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

House foreclosure in Union County

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

Land foreclosure in Union County

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

Commercial foreclosure in Union County

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

💰 The money most Union owners never claim

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

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

Foreclosure in Union County

Foreclosure cases in Florida's smallest county by land area are heard in the Eighth Judicial Circuit Court, and the Clerk of the Circuit Court & Comptroller in Lake Butler manages the file and the sale. Sales are held in person on Thursdays at 11 a.m. in the lobby of the courthouse at 55 West Main Street, with the winning bidder required to deposit 5% at the time of sale. Knowing the schedule early gives you time to reinstate the loan, negotiate with your lender, or recover any surplus left after the sale.

CourtEighth Judicial Circuit Court of Florida
ClerkUnion County Clerk of the Circuit Court & Comptroller
Population16,147 (2020)
AuctionsIn person — Union County Courthouse, 55 W. Main St., Lake Butler

At about 250 square miles, Union County is the smallest county by area in Florida.

Official Union County resources: Clerk of Court

Questions

Union County foreclosure FAQ

Is Union County a judicial foreclosure county?+

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

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

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

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

Get your free Union County options guide

It costs nothing and commits you to nothing. A real person reviews your situation and lays out every option available to you in Union County — made for your exact situation.

A real person reviews your situation
Every option laid out plainly
You decide what's next — or nothing at all

Free & no obligation

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