Putnam County sells foreclosed property online through RealForeclose. Covering Palatka, Crescent City, Interlachen. 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
- 11:00 am Eastern
- Deposit
- 5% of your estimated final bid, by electronic check or in person by cash, cashier's check or money order
- Balance
- Unusually short: the balance plus the registry charge is due in person by 3:00 pm the SAME business day
Putnam 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 Putnam 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.
Putnam County auction questions
- Where are Putnam County foreclosure auctions held?
- Putnam County runs its foreclosure sales online through RealForeclose, at https://putnam.realforeclose.com. Monday to Friday, except legal holidays, 11:00 am Eastern.
- What deposit is required at a Putnam County foreclosure sale?
- 5% of your estimated final bid, by electronic check or in person by cash, cashier's check or money order.
- When is the balance due after winning a Putnam County foreclosure auction?
- Unusually short: the balance plus the registry charge is due in person by 3:00 pm the SAME business day.
Before you bid in Putnam
Other Florida counties
- Broward
- Hillsborough
- Brevard
- Volusia
- Pasco
- Miami-Dade
- Palm Beach
- Orange
- Pinellas
- Lee
- Polk
- Seminole
- Duval
- Alachua
- Bay
- Charlotte
- Clay
- Escambia
- Flagler
- Indian River
- Leon
- Manatee
- Marion
- Martin
- Nassau
- St. Johns
- Santa Rosa
- Sarasota
- St. Lucie
- Walton
- Okeechobee
- Baker
- Gilchrist
- Jackson
- Washington
Source: Putnam County Clerk. Clerks change deadlines and fees. Confirm before you bid.