A Florida foreclosure auction runs online on a published schedule. Bidding opens and closes on the sale date, the winning bidder pays a 5% deposit immediately, and the balance is due by the clerk’s deadline - typically the end of the same day. The certificate of sale follows, and with it a 10-day window for objections.
| Sale day | Bidding closes; winning bid determined |
|---|---|
| Immediately after | 5% deposit due, nonrefundable |
| End of sale day | Balance of the winning bid due by the clerk’s deadline |
| After payment | Certificate of sale filed - right of redemption ends |
| Next 10 days | Objection window open |
| After that | Certificate of title issued - ownership transfers |
Immediately after the sale. It is 5% of the final bid and it is nonrefundable if you fail to pay the balance.
By the clerk’s deadline, typically the end of the sale day. This is the constraint that shapes everything else about bidding at a Florida foreclosure auction.
Funds have to be arranged before you bid, not after you win.
You forfeit the deposit and the property is typically re-auctioned. On a $200,000 winning bid that is $10,000 lost for nothing.
The right of redemption is cut off when the certificate of sale is filed (Fla. Stat. 45.0315). Objections must be filed within 10 days of that certificate.
Ownership transfers with the certificate of title, issued after the objection window closes.
Sales are reset for many reasons - bankruptcy filings, last-minute payoffs, settlements or court order.
A sale appearing on a calendar and then disappearing is normal, not an error. Tracking status changes matters as much as tracking the schedule, because a reset sale often returns weeks later.
Sale dates are set ahead of the auction, which is what makes it possible to plan around them. The practical value is in seeing the whole upcoming schedule at once rather than one sale at a time.
Auxelerate tracks upcoming foreclosure auctions across Florida with the full property profile on each listing. Browse every Florida county.