Carol City, Miami Gardens
Foreclosure Deadline in Carol City
A Carol City homeowner facing a foreclosure deadline completed an as-is sale in time to pay the mortgage and move forward.
Closed in 22 days · February 2023
Read the transaction detailsHow We Help
Facing Foreclosure in Florida? How Selling Before the Sale Works
Can you still sell your house during a Florida foreclosure? Usually, yes. Florida forecloses through the courts, and until the foreclosure sale an owner can generally sell and have the loan paid off at closing. Whether that works depends on the payoff amount, other liens on the house and how much time is left before the sale date.
This page explains the court process in plain steps, shows where to find your sale date on the county clerk’s website, and is direct about what a sale can and cannot do. It is general information, not legal advice. We are a cash buyer, not a law firm, and we cannot stop a foreclosure case; a Florida foreclosure attorney or a HUD-approved housing counselor can tell you what applies to yours.
- Fair cash offer in 24 hours
- No repairs, fees, or commissions
- Close in as little as 10 days
Get Your Free Cash Offer
Step 1 of 2Takes 60 seconds. No obligation.
Payoff and title checked first
We get the lender’s payoff figure and a title search before telling you whether a sale can work.
Closing set before the sale
When the numbers work, we schedule closing ahead of the sale date and the title company pays the lender directly.
Remaining equity goes to you
If the price is more than the payoff and other liens, the difference is paid to you at closing.
Confidential and judgment-free
We handle these sales discreetly and with respect for a hard situation.
How Florida foreclosure works
Florida uses judicial foreclosure. The lender has to file a lawsuit in the circuit court for the county where the house is, and the house can only be sold at a public sale ordered by the judge. The main rules are in Chapter 702 of the Florida Statutes, section 45.031 on judicial sales, and Florida Rule of Civil Procedure 1.115, which sets out what a lender must plead about the note it is enforcing.
Cases move at very different speeds depending on the loan, the servicer, any defenses or loss-mitigation review, and the court’s calendar. The dates that matter for you are the ones on your court papers and the clerk’s docket, not a statewide average. Our Florida foreclosure timeline guide covers the options at each stage in more depth.
The steps, from missed payment to the sale
- 1
Missed payments
For most mortgages on a home, federal servicing rules generally do not allow the first foreclosure filing until the loan is more than 120 days delinquent. Use that time: call the servicer and ask in writing about reinstatement, a repayment plan, a modification or other options.
- 2
Lawsuit and lis pendens
The lender files a complaint and records a lis pendens, a public notice that the lawsuit affects the house. For a home loan the complaint must be verified, and the lender must allege that it holds the original note or explain why it is entitled to enforce it (section 702.015 and Rule 1.115).
- 3
Your deadline to respond
The summons you are served with states the deadline to respond, generally 20 days. Missing it can lead to a default against you. This is the time to speak with a Florida foreclosure attorney, even if you plan to sell.
- 4
Final judgment and the sale date
If the court rules for the lender, the final judgment sets a sale date that is generally not less than 20 or more than 35 days after the judgment, unless the lender agrees to a later date (section 45.031). Notice of the sale is published before it happens.
- 5
The foreclosure sale
The clerk sells the house at a public auction, held online in most of the counties listed below. The owner’s right to redeem by paying the amount in the judgment generally ends when the clerk files the certificate of sale, or later if the judgment says so (section 45.0315).
- 6
After the sale
Parties have 10 days after the certificate of sale is filed to object. If no one does, the clerk issues a certificate of title to the winning bidder. If the sale brings in more than the judgment and costs, the former owner may be entitled to the surplus and should file a claim with the clerk; unclaimed surplus is reported one year after the sale (section 45.032).
How to find your foreclosure sale date
The sale date is written in the final judgment and appears on the court docket. You can look up the case on the county clerk’s court-records search by your name or case number, check the clerk’s foreclosure sale calendar, or call the clerk’s foreclosure or civil office. Clerks can confirm dates and filings, but they cannot give legal advice. Links to each clerk’s page are in the official starting points below.
Broward County
The Clerk of Courts holds foreclosure sales online at broward.realforeclose.com. The Clerk’s Circuit Civil page explains bidder registration and deposits.
Miami-Dade County
The Clerk’s Mortgage Foreclosures page links to the online auction site (miamidade.realforeclose.com) and to the Civil, Family and Probate case search. The Foreclosure Unit can answer questions about a specific case.
Palm Beach County
The Clerk & Comptroller holds sales online, generally Monday through Thursday at 10 a.m., and its online auction calendar shows the exact dates.
Osceola County
Sales are held in person at the Osceola County Historic Courthouse, 3 Courthouse Square, Room 204, Kissimmee, at 11 a.m. on the advertised date. The Clerk posts a list of scheduled mortgage foreclosure sales.
Polk County
All foreclosure sales are online at polk.realforeclose.com. The Clerk’s Foreclosure Sales page links to a case-number lookup.
Duval County
Sales are online at duval.realforeclose.com, Monday through Friday except legal holidays, starting at 11 a.m. Cases can be looked up in the Clerk’s CORE portal by case number or party name.
What a sale before the sale date can and cannot do
A cash sale can help, but only if the numbers and the calendar both work. Here is what to expect, so you can weigh it against a loan modification, reinstatement, bankruptcy or other options with an attorney or housing counselor.
It can pay the loan off at closing
If the price covers the lender’s payoff figure and the other liens, the title company pays them from the sale proceeds. Once the lender is paid, the lawsuit no longer has a debt to collect; your attorney can confirm how the case will be closed out.
It can leave you with your equity
Money left after the payoffs and closing adjustments is paid to you at closing, rather than depending on whether an auction produces a surplus that you would then have to claim.
It cannot stop the case by itself
Signing a contract does not cancel or move the sale date. Only the court can cancel or reschedule a foreclosure sale, and a lender may or may not agree to ask for a postponement. The closing has to happen before the sale.
It cannot fix a payoff bigger than the price
If you owe more than the house will sell for, a sale needs the lender to accept less than the full balance (a short sale). That takes lender approval and time, and the lender may be able to seek the difference unless it agrees in writing not to.
It is not legal or credit advice
We cannot tell you whether you have defenses, how a sale will be reported on your credit, or whether another option is better for you. A foreclosure attorney or a HUD-approved housing counselor can.
Official starting points
These primary sources can help you verify the general information discussed above. For advice about your documents or deadlines, consult the appropriate Florida professional.
- Florida Statutes, Chapter 702 ↗
Florida’s official mortgage-foreclosure statutes.
- HUD: talk to a housing counselor ↗
HUD’s starting point for finding a HUD-approved housing counseling agency.
- CFPB: find a HUD-approved housing counselor ↗
Search HUD-approved counseling agencies near a Florida ZIP code.
- Florida Statutes, section 45.031 (judicial sales) ↗
Sale timing, notice of sale, the certificate of sale and objections.
- Broward County Clerk of Courts: Circuit Civil and foreclosure sales ↗
Foreclosure sale registration, deposits and the link to the online auction.
- Miami-Dade Clerk of the Court: Mortgage Foreclosures ↗
The online auction, the foreclosure office and case search.
- Palm Beach County Clerk & Comptroller: Foreclosures ↗
Sale days, times and the online auction calendar.
- Osceola County Clerk: Foreclosure Sales ↗
In-person sale location, rules and the scheduled-sales list.
- Polk County Clerk: Foreclosure Sales ↗
Online sales and the case-number lookup.
- Duval County Clerk: Foreclosure ↗
Online sale schedule and the CORE case search.
From condos to distressed homes: what we buy in Florida
No matter the property type or its condition, we make fair cash offers throughout Florida. Explore what we buy:
Single-Family Homes
Florida aging single-family homes: sold fast for cash, no repairs.
DetailsCondos
Florida condos facing assessments or recertification: sold fast for cash, no repairs.
DetailsInvestment Properties
Investment Properties in Florida — bought as-is, on your timeline.
DetailsRental Properties
We make cash offers on tired rental properties throughout Florida.
DetailsMultifamily Properties
Florida small apartment complexes: sold fast for cash, no repairs.
DetailsTriplexes
Florida triplex rental buildings: sold fast for cash, no repairs.
DetailsHomes with Liens
Florida homes with tax or judgment liens: sold fast for cash, no repairs.
DetailsMobile & Manufactured Homes
From across Florida, we buy mobile and manufactured homes directly for cash.
DetailsDocumented Experience
Real Florida seller experience—not a hypothetical example
“I was behind on mortgage payments and facing foreclosure with a tight deadline. I didn't think I had any options left. The team worked directly with my lender, paid off what was owed, and put cash in my pocket so I could get a fresh start. Honest, compassionate, and incredibly fast.”
Michelle · Miami, FL
Foreclosure
Read more approved customer storiesSimple & Stress-Free
How a direct sale works in a Florida facing foreclosure sale
Three transparent decisions take you from an initial a Florida facing foreclosure sale property review to a title-company closing.
1
Describe the a Florida facing foreclosure sale property
Share the address, condition, occupancy, and your preferred timing. Photos are helpful but are not required to begin.
2
Review the written offer
For the a Florida facing foreclosure sale property, we review comparable sales, title, and condition—including payoff and title checked first, closing set before the sale, remaining equity goes to you—then explain the no-obligation cash terms.
3
Choose the practical closing date
If the a Florida facing foreclosure sale offer fits, a licensed title company verifies ownership and payoffs. A clear-title purchase can close in as little as 10 days, or later when you need time.
Questions Answered
Facing Foreclosure — FAQs
Straight answers so you can make the right decision.
Usually, yes. You generally remain the owner until the foreclosure sale, so you can sell and have the loan paid at closing, provided the price covers what you owe and the closing happens before the sale date. Ask a Florida foreclosure attorney about your case.
Not by itself. A signed contract does not cancel the sale; only the court can. If the sale closes and the loan is paid in full before the foreclosure sale, the debt the lawsuit was about has been paid. An attorney can confirm what happens to the case.
It is in the final judgment and on the court docket. You can also search the county clerk’s online case records or foreclosure auction calendar, or call the clerk’s foreclosure office and ask.
Then a sale only works if the lender agrees to accept less than the full payoff, which is a short sale. It needs lender approval and time, and the lender may pursue the remaining balance unless it agrees in writing not to. Talk to an attorney before signing.
Yes. HUD-approved housing counseling agencies offer foreclosure counseling, often free or at low cost. You can search for one through HUD or the Consumer Financial Protection Bureau’s housing counselor tool.
Related situations we help with
Behind on Property TaxesBehind on Florida property taxes? How tax certificates and tax deed sales work, how long you have, and how selling can pay the taxes at closing.Sell After a Job LossFacing job loss or reduced income in Florida? Compare an as-is cash sale with other options, skip repairs and commissions, and pick a practical closing date.Sell a House With LiensHow Florida code liens, judgments, HOA and tax liens are found, paid from your proceeds at closing, and where homestead protection stops.Compare Ways to Sell FastCompare a cash buyer, an agent listing and an iBuyer for a fast Florida sale: realistic 7, 14, 30 and 60-day paths and the things that slow closings.
Guides that go deeper
Plain-English explanations of the Florida rules behind this situation:
The Florida Foreclosure Timeline, Step by StepUnderstand the Florida foreclosure timeline — from missed payment to auction — and your options at each stage to protect your equity and credit.Cash Offer vs. Listing With a Realtor in FloridaCompare selling your Florida house for cash versus listing with a realtor — commissions, repairs, timelines, and net proceeds, side by side.
Local pages for this situation
City pages where this issue has a local angle:
How selling to us works
Before you decide, see exactly what happens and get straight answers:
Get a Property-Specific, No-Pressure Option
Tell us how facing foreclosure affects your property and timing. We will review the facts, explain the written offer, and leave the decision with you.
- Fair cash offer within 24 hours
- No repairs, fees, or commissions
- Close in as little as 10 days
- Zero obligation — say no anytime
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