Can I Sell My St. Augustine House Before Foreclosure?

If a clerk's sale is scheduled, tell us the date right away so we can try to close before it.

Yes, you may be able to sell before the Florida mortgage-foreclosure auction if the payoff, title work, and closing can be completed in time. If you have received a final judgment or a clerk's sale date, use the dates in your court papers and confirm the current case status.

USA Home Buyers buys houses as-is in the City of St. Augustine and St. Johns County, Florida. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Call or use the form to ask for a cash offer.

Call 888-274-5006 — We answer 24/7

We'll give you a written cash offer within 24 hours.

We give written cash offers in 24 hours.

Share the property address and the notice or sale date you have.

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How we help you work toward closing

Tell us about the St. Augustine house and the notice or date you have. We review the house as-is and give you a written offer and written terms before you commit. If you choose to proceed, a title company works through title, payoff, and closing details.

If a clerk's sale is scheduled, tell us the date right away so we can try to close before it.

Which sale is named in your notice?

Florida mortgage foreclosure

Florida mortgage foreclosures proceed in court. After a final judgment, the court directs the clerk to hold a public auction, normally 20–35 days later; statutory notice is published before the sale. The borrower or a holder of a subordinate interest may cure and redeem before the later of the clerk's filing of the certificate of sale or the time specified in the foreclosure judgment. After that point, there is no right of redemption.

A purchase agreement alone does not stop the case or sale. If a clerk's sale is scheduled, tell us the date right away so we can try to close before it.

Property-tax matter

A property-tax notice or sale is separate from a mortgage-foreclosure case. Its notices and deadlines are not the mortgage judgment or clerk's auction dates above. Follow the tax notice and contact the office named on it; for St. Johns County real-estate tax information, use the County Tax Collector link below.

If the payoff is the problem

Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.

A current mortgage payoff and title review help show the amounts that need to be addressed for a particular sale. You don't need to pay off your back taxes before we settle. We buy houses with back taxes and liens — payoffs get handled through the closing, not by you upfront. Mortgage balances, liens, back taxes, and your share of current property taxes are separate items for the title company to review.

What happens next

1. Contact us about the house and notice. Call or use the form with the address and any notice or sale date you have. You can contact us while you gather other information.
2. Review the written offer and terms. We review the property and provide a written offer and written terms before you decide whether to commit.
3. Work through title and payoff details. If you choose to proceed, the title company reviews title, the mortgage payoff, liens, and closing documents. If a clerk's sale is scheduled, tell us the date right away so we can try to close before it.
4. Confirm the case status and work toward closing. Keep checking the current sale date with the Clerk or the contact handling your case. The title company coordinates closing if the required steps can be completed in time.

It's real estate. Sometimes there are bumps in the road. We won't disappear when that happens, and we'll be fighting to get this to the closing table.

St. Johns County foreclosure and tax resources

The St. Johns County Clerk maintains foreclosure-sale information and an FAQ. Use the live case or sale record to check a date; a general webpage cannot confirm the status of a particular case. City of St. Augustine and County resources serve distinct local governments, so confirm which office applies to the property address rather than relying on its postal label.

St. Johns County Clerk foreclosure sales — local foreclosure-sale information.
St. Johns County Clerk foreclosure-sales FAQ — Clerk guidance for sale questions.
St. Johns County Tax Collector — real-estate taxes — tax-bill information and payment routing, separate from a mortgage case.
City of St. Augustine maps — start here to check City mapping and jurisdiction resources for an address.

Questions and contact

Compare your own assumptions with the St. Augustine home-sale net-proceeds calculator. It is a planning estimate, not a property-specific offer or payoff quote.

Return to the St. Augustine market page.

What our sellers say

BBB A rating Read our Google reviews

“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”

Alice Wforeclosure

“I was four months behind on my mortgage and the notices were stacking up. I didn't even know I could sell and still come out with money. USA Home Buyers explained the whole thing, the offer was fair, and we closed before things got worse. Huge weight off my shoulders.”

James R.Behind on Payments — Pre-Foreclosure

Foreclosure questions in St. Augustine, Florida

Can I sell my St. Augustine house while mortgage foreclosure is underway?

Yes, a sale may be possible before the clerk's auction if the payoff, title work, and closing can be completed in time. If a clerk's sale is scheduled, tell us the date right away so we can try to close before it.

When does a Florida mortgage foreclosure auction happen?

After a final judgment, the court directs the clerk to hold a public auction, normally 20–35 days later, with statutory notice published before the sale. The case papers and current court record control the date for a particular property.

Is a St. Johns County property-tax sale the same as mortgage foreclosure?

No. A mortgage foreclosure and a property-tax matter have separate notices and deadlines. This page explains mortgage foreclosure; follow the instructions on a tax notice and contact the office named there. The St. Johns County Tax Collector provides real-estate tax information and payment routing.

What if my payoff is more than my St. Augustine house is worth?

Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. A current payoff and title review can show what amounts need to be addressed for your property. You don't need to pay off your back taxes before we settle. We buy houses with back taxes and liens — payoffs get handled through the closing, not by you upfront.

Call USA Home Buyers at 888-274-5006 or use the form to ask about a cash offer for a St. Augustine or St. Johns County house.

We'll give you a written cash offer within 24 hours.

We give written cash offers in 24 hours.

Tell us about the property and the notice or sale date you are facing.