HUD homeBids openRepresentative photoS 37th Street area
Saint Petersburg, FL 33711 · Pinellas County
Single-family · $200K to $300K
HUD home: the FHA took this home back after a foreclosure and sells it through online bids.
Updated Oct 3, 2026
Florida foreclosures and housing market
How foreclosure works in Florida, which counties lean to buyers or sellers, and how many homes are for sale right now.
How's the market in Florida?
A balanced market.
Listings spent about 79 days on the market, and 19% had a price cut in October 2026.
Market figures: Realtor.com® Economic Research, October 2026. Free weekly email. Unsubscribe anytime.
Distressed properties in Florida
Pre-foreclosures, auctions, bank-owned and HUD homes from county notices. Pick a status or tap a ZIP on the map. We show the street area, never the house number.
1property in FloridaUpdated Oct 3, 2026
© OpenFreeMap © OpenMapTiles © OpenStreetMap contributors · ZIP areas: US Census
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HUD homeBids openRepresentative photoSource: county notices compiled by Real Estate Intel. Photos are representative, not the actual homes. Street areas only, never house numbers or owner names. Confirm every detail with the county before you act.
The Florida market in October 2026
Our score compares how many listings went under contract with how many were for sale, ranked against every US county. Low scores lean to buyers, high scores to sellers.
Florida market score
43Balanced market
Buyer's marketUS: 61Seller's market
- Homes for sale
- 149,718
- US: 1,179,101
- Typical days on market
- 79
- US: 66
- Listings with a price cut
- 19%
- US: 21%
- Homes for sale vs pre-pandemic
- +12%
- US: −7%
- October 2026 vs the October average for 2017 to 2019.
Market score by county
Check any countyLeans to buyersLeans to sellers
Gray counties had too few listings to score. Tap a county for its full answer.
Most buyer-friendly counties
Lowest scores among counties with 50+ homes for sale.
- 4Dixie County102 days on market · 9% with a price cut · 108 for sale
- 11Franklin County109 days on market · 13% with a price cut · 306 for sale
- 12Gadsden County74 days on market · 13% with a price cut · 144 for sale
- 14Monroe County107 days on market · 12% with a price cut · 1,160 for sale
- 16Glades County89 days on market · 9% with a price cut · 66 for sale
Most seller-friendly counties
Highest scores among counties with 50+ homes for sale.
- 83Santa Rosa County75 days on market · 15% with a price cut · 1,139 for sale
- 79Sumter County60 days on market · 20% with a price cut · 588 for sale
- 78Clay County66 days on market · 26% with a price cut · 928 for sale
- 77St. Johns County71 days on market · 24% with a price cut · 2,131 for sale
- 73Wakulla County52 days on market · 13% with a price cut · 219 for sale
Source: Realtor.com® Economic Research, October 2026 county data. County days on market are medians. State and US figures weight each county by its homes for sale. Price-cut share is the share of listings with a price reduction.
Judicial
How foreclosure works in Florida
Florida foreclosures go through court.
- Main steps and notices
- The lender files suit and serves the borrower.
- If the lender wins, the sale is published once a week for two weeks, the second at least five days before the sale.
- The sale usually takes place 20 to 35 days after the judgment.
- After the certificate of sale is filed, the borrower has 10 days to object.
- Catching up before the sale
- State law does not require a right to reinstate.
- After the sale
- The borrower can redeem until the clerk files the certificate of sale, or the deadline set in the judgment. There is no redemption after that.
- Before any of this starts
- Under federal rules, a mortgage servicer generally can't make the first notice or filing for foreclosure until the borrower is more than 120 days behind.
- Governing law
- Florida Statutes § 45.031; § 95.11; § 702.06
Sources
- Justia, Foreclosure laws and procedures: 50-state survey (last reviewed November 2022)
- Nolo, Foreclosure redemption period rights (state chart)
- Consumer Financial Protection Bureau, How to avoid foreclosure
General information, not legal advice.
Laws change and each case differs. Anyone facing foreclosure should talk with a local attorney or a HUD-approved housing counselor.
Go deeper
- Check any county's marketPick a county in Florida and see whether it leans to buyers or sellers.
- Read the buying guidesHow to buy pre-foreclosures, auction homes, bank-owned homes, HUD homes and short sales.
- Help if you're behind on your mortgageWhere you are in the process, your options, free counselors and scam warnings.
Florida questions
Is foreclosure in Florida judicial or non-judicial?
Florida foreclosures go through court.
Can a homeowner get the home back after a foreclosure sale in Florida?
The borrower can redeem until the clerk files the certificate of sale, or the deadline set in the judgment. There is no redemption after that.
Can a borrower in Florida catch up on the loan before the sale?
State law does not require a right to reinstate.
Is Florida a buyer's or seller's market right now?
A balanced market. Florida scores 43 out of 100 on our market scale, where low scores lean to buyers. Listings spent about 79 days on the market, and 19% had a price cut in October 2026. Source: Realtor.com® Economic Research.
How far behind does a borrower have to be before foreclosure starts?
Under federal rules, a mortgage servicer generally can't make the first notice or filing for foreclosure until the borrower is more than 120 days behind. Source: Consumer Financial Protection Bureau.