Florida Foreclosure Guide
Florida is a judicial foreclosure state with online auctions conducted through county-specific platforms (Realforeclose.com, RealAuction). Auctions are scheduled continuously rather than monthly. Florida's condo and HOA lien laws are complex — associations have a limited priority lien of up to 12 months of assessments that survives a first-mortgage foreclosure, and special assessments are not capped.
Process Type
Judicial
Typical Timeline
6–18 months
Sale Method
Online county auction (continuous)
Active Foreclosure Auctions
Florida Title Risk Articles
State-specific articles coming soon — check back as our foreclosure title guide library grows.
County-Level Exceptions Investors Should Know
Statewide rules only tell part of the story. These county-level quirks catch out-of-state investors off guard.
Miami-Dade County
Miami-Dade conducts online auctions via Realforeclose.com. Condo super-liens of up to 12 months of unpaid assessments survive a first-mortgage foreclosure and become the buyer's immediate obligation. Special assessments in high-rise buildings can be substantial (often $10,000–$50,000+).
Broward County (Fort Lauderdale)
Broward County has extensive community development district (CDD) bonded indebtedness on many new-construction communities. CDD assessments are levied as a non-ad valorem special assessment on the tax bill and survive foreclosure — buyers inherit the full remaining bond balance on top of the purchase price.
Orange County (Orlando)
Orange County has a high volume of vacation rental properties subject to homeowners association rules and county short-term rental regulations. Foreclosure buyers who plan to rent properties short-term must verify HOA documents and county zoning — many communities have enacted post-purchase bans on STR use.
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