Florida
67 counties indexed · 36,388 est. 2025 filings
E-Filing Portal
Florida Courts E-Filing Portal
Doc Format
PDF/A
File Size Limit
50 MB per document
Mandatory E-Filing
Yes — Attorneys
Foreclosure Process Overview
Florida is a 100% judicial foreclosure state. The lender files a complaint in Circuit Court. After service, if no answer is filed, a default is entered. The case proceeds to summary judgment or trial. A Final Judgment of Foreclosure is entered, and the property is sold at public auction (online via county-specific vendor). The clerk issues a Certificate of Sale, then Certificate of Title after the objection period.
Statewide Filing Requirements
Document Standards
E-Recording Vendors
Typical Documents Filed
Florida Timeshare — Non-Judicial Option Available
Florida §721.855 allows non-judicial (trustee) foreclosure of timeshare assessment liens — significantly faster than judicial foreclosure. Consolidated actions under §721.83 allow multiple timeshare units to be foreclosed in a single proceeding. See the Timeshare Rules tab for full details.
⚠ Florida Timeshare — Statutory Corrections (3 Issues)
CORRECTION — Power of Sale Not Required (§721.855)
Florida does NOT require power-of-sale language in governing documents. A lienholder may initiate trustee foreclosure even if the instrument is entirely silent — only an explicit prohibition blocks the procedure. No amendment or owner vote required for silent instruments.
ERROR — Lienholder Cannot Serve as Trustee at Sale (§721.855(7)(c))
§721.855(7)(c) expressly states: "The lienholder and any person other than the trustee may bid at the sale." Because the statute prohibits the trustee from bidding but allows the lienholder to credit bid, the lienholder and trustee cannot legally be the same entity during the sale.
CRITICAL RISK — 10-Day Enjoinment Window (§721.855(10)(b))
The trustee's deed is NOT automatically issued 10 days after sale. §721.855(10)(b) requires issuance "absent the prior filing and service on the trustee of a judicial action to enjoin issuance of the trustee's deed." Monitor for injunction filings during this 10-day window before treating title as clear.