Where are Clay County foreclosure auctions held?

Clay County runs its foreclosure sales online through RealForeclose, at https://clay.realforeclose.com. Monday to Friday, except legal holidays, 10:00 am Eastern.

What deposit is required at a Clay County foreclosure sale?

5% of your estimated final bid, by wire or in person by cash or cashier's check. Wired funds must arrive by 3:00 pm the day before the sale.

When is the balance due after winning a Clay County foreclosure auction?

Cash, cashier's check or wire must be received by 12:00 pm Eastern the next business day, or the sale is declared void and reset.

Clay County Foreclosure Auctions: Times & Deadlines

Clay County sells foreclosed property online through RealForeclose. Covering Orange Park, Green Cove Springs, Fleming Island. Everything below comes from the clerk's own page, read on 2026-09-19.

Auction site: RealForeclose
Sale days: Monday to Friday, except legal holidays
Sale time: 10:00 am Eastern
Deposit: 5% of your estimated final bid, by wire or in person by cash or cashier's check. Wired funds must arrive by 3:00 pm the day before the sale
Balance: Cash, cashier's check or wire must be received by 12:00 pm Eastern the next business day, or the sale is declared void and reset

Clay County foreclosure auction fees

Court registry under Fla. Stat. 28.24(10): 3% of the first $500, then 1.5% of the balance
Documentary stamps under Fla. Stat. 201.02: $0.70 per $100

How a Clay County foreclosure sale runs

Step 1
The lender sues and records a lis pendens
Florida is a judicial foreclosure state, so every foreclosure is a lawsuit in circuit court. The lis pendens is the public notice that the case exists. This is where we start tracking a property.
Step 2
The judge signs a final judgment
The final judgment states what is owed and orders the clerk to sell the property. The statute calls for a sale 20 to 35 days out, though courts often set it later.
Step 3
The clerk publishes the notice of sale
The sale is advertised for two weeks running. Most Florida clerks then run the auction online through their county RealForeclose site; a handful of smaller counties still sell at the courthouse.
Step 4
Auction day
Bidding starts at the judgment amount and closes fast. You bid with your own cash: the winner posts a 5% deposit at the sale and pays the balance on the clerk's deadline, in most counties by the next business day.
Step 5
Certificate of sale, then ten quiet days
The clerk files a certificate of sale, which ends the owner's right of redemption. Anyone with standing then has ten days to object to the sale.
Step 6
Certificate of title, then possession
With no objection, the clerk issues the certificate of title and the property is yours, as is. If someone still lives there, you ask the court for a writ of possession.

Clay County auction questions

Where are Clay County foreclosure auctions held?: Clay County runs its foreclosure sales online through RealForeclose, at https://clay.realforeclose.com. Monday to Friday, except legal holidays, 10:00 am Eastern.
What deposit is required at a Clay County foreclosure sale?: 5% of your estimated final bid, by wire or in person by cash or cashier's check. Wired funds must arrive by 3:00 pm the day before the sale.
When is the balance due after winning a Clay County foreclosure auction?: Cash, cashier's check or wire must be received by 12:00 pm Eastern the next business day, or the sale is declared void and reset.

Before you bid in Clay

Other Florida counties

Source: Clay County Clerk. Clerks change deadlines and fees. Confirm before you bid.