How are in-person foreclosure sales conducted?

The in-person sales are held in the 2nd floor lobby of the M. C. Blanchard Judicial Building, unless advertised otherwise. However, most sales are now conducted online.


Prior to the bidding, the deputy clerk conducting the sale will make any necessary announcements. It may be necessary for the Clerk to verify that you have with you the required deposit in the form of cash, money order or cashier's check before the sale begins. A description of the property may also be read at this time. Potential buyers take the property as is, subject to any defects, liens, encumbrances, and all matters of which the buyer had notice or could have obtained knowledge.

If the creditor is the successful bidder, no funds are deposited with the Clerk, unless the bid is above the amount of indebtedness. However, if a party other than the creditor is the successful bidder, an immediate deposit of 5% of the bid is required. The balance of the bid and court registry fees (3% on the first $500 and 1.5% on the balance), must be received by 5 p.m. on the day of the sale. Payment must be in the form of cash, certified check, or cashier's check payable to Pam Childers, Clerk Circuit Court - No personal checks or promissory notes.

The creditor is required to pay a mandatory sale fee of $70. The successful bidder is required to pay the documentary stamps on the Certificate of Title. If the balance is not paid by the deadline, the sale will be declared void, and a resale will be scheduled. The bidder's deposit is nonrefundable and will be used to pay for the costs of the resale, per Florida Statute 45.031(2). Any amount remaining will be applied towards the final judgment.

Show All Answers

1. Where do I file a foreclosure action?
2. Where can I view foreclosure cases?
3. What happens in foreclosure proceedings?
4. What is done prior to the foreclosure sale?
5. May a person who is not involved in the foreclosure lawsuit bid on the property?
6. When and where are mortgage foreclosure sales held?
7. How are online foreclosure sales conducted?
8. How are in-person foreclosure sales conducted?
9. When is the Certificate of Title issued?