Foreclosure auctions in Alachua County, FL

• Alachua County

  

  Foreclosure · Nov 10 · in 2d

  7124 NE 218th Ter

  Melrose, FL 32666

  1,512 sqft · built 2003 · Manufactured

  Judgment

  $210K

  Est. value

  $188K

  Equity

  −$22K−12%

• Alachua County

  

  Foreclosure · Dec 3

  2515 NW 8 Ave Newberry

  FL 32669

  Property details pending

  Judgment

  $85K

  Est. value

  —

  Equity

  —

• Alachua County

  

  Foreclosure · Jan 5, 2027

  5718 SW 89th Dr

  Gainesville, FL 32608

  3,110 sqft · built 1998 · Single Family

  Judgment

  $844K

  Est. value

  $672K

  Equity

  −$172K−26%

• Alachua County

  

  Foreclosure · Jan 5, 2027

  16574 NW 192nd Ter

  High Springs, FL 32643

  1,552 sqft · built 2016 · Single Family

  Judgment

  $181K

  Est. value

  $314K

  Equity

  +$133K+42%

How foreclosure auctions work in Florida

• The winning bidder at a Florida foreclosure sale posts a deposit of 5% of the final bid. When the balance is due is set by the county clerk and the judgment, often by 4:00 p.m. on the sale day or by the next business day. (§45.031, Fla. Stat.)
• Foreclosure sales are public auctions to the highest bidder for cash. The foreclosing lender (the plaintiff) can bid up to its judgment amount without paying cash, so an outside bidder generally has to bid more than the lender's credit bid to win. (§45.031, Fla. Stat.)
• After the sale the clerk files a certificate of sale. Any party can object within 10 days; if no one does, the clerk issues a certificate of title to the buyer. (§45.031, Fla. Stat.)
• The owner can stop a foreclosure sale by paying the judgment until the clerk files the certificate of sale (or a later time set in the judgment). After that, there is no right of redemption. (§45.0315, Fla. Stat.)
• A foreclosure sale wipes out liens junior to the mortgage being foreclosed when their holders were named in the case. Liens senior to it, such as property taxes, stay with the property. A third-party buyer is liable for unpaid HOA or condo assessments without the cap that protects the foreclosing first-mortgage lender. (§720.3085, Fla. Stat.)
• If the sale brings more than the judgment and costs, the extra is surplus. It goes to subordinate lienholders who claim it and then to the owner of record. Claims other than the owner's must be filed within one year of the sale, after which the clerk sends unclaimed surplus to the state's unclaimed property program. (§45.032, Fla. Stat.)
• Florida clerks may run foreclosure sales online with advance deposits and proxy bids, and most counties do so on RealForeclose (county.realforeclose.com). (§45.031, Fla. Stat.)

Read the full guide: How Florida foreclosure auctions work →

Foreclosure auctions in Alachua County: common questions

Where and when are Alachua County foreclosure auctions held?

Alachua County foreclosure auctions mostly start at 11:00 a.m. Eastern time.

How many foreclosure auctions are scheduled in Alachua County?

As of November 8, 2026, 28 foreclosure auctions are scheduled in Alachua County in the next 90 days; the next is on November 10, 2026.

How often do outside bidders win Alachua County foreclosure auctions?

Since October 1, 2026, 12 foreclosure auctions sold in Alachua County; 42% went to third-party bidders rather than back to the lender. The median winning third-party bid was 122% of the judgment and 50% of the estimated property value. Those sales drew 29 bids on average.

What is the typical judgment at Alachua County foreclosure auctions?

The median judgment of Alachua County foreclosure auctions decided since October 1, 2026 was $183,922.

What deposit do I need, and when is the balance due?

The winning bidder at a Florida foreclosure sale posts a deposit of 5% of the final bid. When the balance is due is set by the county clerk and the judgment, often by 4:00 p.m. on the sale day or by the next business day.

Can the bank outbid me at a Florida foreclosure auction?

Foreclosure sales are public auctions to the highest bidder for cash. The foreclosing lender (the plaintiff) can bid up to its judgment amount without paying cash, so an outside bidder generally has to bid more than the lender's credit bid to win.

When do I get title after winning a Florida foreclosure auction?

After the sale the clerk files a certificate of sale. Any party can object within 10 days; if no one does, the clerk issues a certificate of title to the buyer.

Do liens survive a Florida foreclosure sale?

A foreclosure sale wipes out liens junior to the mortgage being foreclosed when their holders were named in the case. Liens senior to it, such as property taxes, stay with the property. A third-party buyer is liable for unpaid HOA or condo assessments without the cap that protects the foreclosing first-mortgage lender.

What happens to surplus money from the sale?

If the sale brings more than the judgment and costs, the extra is surplus. It goes to subordinate lienholders who claim it and then to the owner of record. Claims other than the owner's must be filed within one year of the sale, after which the clerk sends unclaimed surplus to the state's unclaimed property program.