69 days on market$1,999,900Price reduced by $200,100 on Oct 16, 2026
Probate sale
8078 13th Avenue SSt Petersburg, FL, 33707
- Land
- 12,432 sqft
Florida Buyer Guide
Florida Foreclosures & Short Sale Homes for Sale
Explore Florida foreclosure and short sale listings, from primary residences to vacation homes. Compare prices, locations and features, with guidance on the buying process.
Understanding these listings
Many homes in this collection are short sales, where the owner’s lender must approve the transaction. Check each listing’s sale type and approval status before making an offer.
Foreclosure, short sale and bank owned listings
2,039 listings
Buying a Foreclosure or Short Sale Home in Florida
Buying a distressed property starts with understanding how it is being sold. A short sale, a bank-owned listing and a foreclosure auction involve different sellers, approval requirements and purchase arrangements.
For short sales, an agreement with the homeowner may still need approval from the mortgage lender or other lienholders. The advertised price should therefore be checked against the current approval status before you commit to the purchase.
Source: Consumer Financial Protection Bureau.
Compare each opportunity with recent sales and assess the property’s condition, ownership costs and likely work required. An attractive asking price is only one part of deciding whether a home represents good value. If Reunion Resort is on your shortlist, explore our Reunion Resort foreclosures and bank-owned homes page for a more focused search.
Compare Foreclosure Purchasing Routes
Bank-owned homes are often called real estate owned, or REO. The route matters as much as the foreclosure label.
| Aspect | Court foreclosure auction | Marketed bank-owned or REO home | HUD-owned home |
|---|---|---|---|
| Ownership or sale stage | Court-ordered sale following a foreclosure judgment. | Bank-acquired property now marketed for sale, not merely held by the bank. | Government-owned inventory, a specific ownership route rather than a separate distress stage. |
| How you proceed | Register and bid under the county’s auction procedures. | Confirm availability and submit an offer under the bank seller’s requirements. | Submit offers through a HUD-registered real estate professional. |
| Buyer requirements | Check bidder eligibility, deposit arrangements and payment deadlines locally. | Check the listed property’s offer terms and requirements. | Primary-residence buyers generally get initial priority; unsold homes later open to investors, among others. |
| Important checks | Investigate title, condition and occupancy. Do not assume interior inspection access. | Review title, condition, inspection arrangements and the seller’s contract terms. | Sold as-is; professional inspection recommended. Second homes do not qualify for primary-residence priority. |
Top Villas Intelligence
Know what a home will earn before you buy
Create a free account to see projected rental revenue, ownership costs and operating yield on every eligible listing.
Sample: $118,400 gross rental revenue at 74% projected occupancy, $61,900 operating income and a 7.2% operating yield, with high confidence.
Where to Research Florida Foreclosures
If you are looking for free foreclosure listings in Florida, begin with county clerk court files and official foreclosure calendars, while keeping case records separate from available homes. Government-owned properties also have public sale listings. In Duval County, you can view auctions without registering, and bidder registration is free, but bidding requires a deposit. Access arrangements vary by county, so check the local procedures rather than assuming the same rules apply statewide. Free research access does not eliminate purchase costs or the expense of professional inspections and title review.
How to Buy a Foreclosed Home in Florida
Your buying route determines the procedures. Resolve property-specific questions before making an offer or placing a bid.
Choose your purchasing route
Decide whether you want a primary residence, second home or investment. Compare auctions, marketed REO homes and HUD inventory against your intended use, timing and tolerance for uncertainty.
Verify the sale status
Confirm whether the property is in an active court case, scheduled for auction or actually marketed for sale. A filing or bank-ownership record alone is not an invitation to purchase.
Investigate the property
Arrange title review and investigate condition and occupancy before committing. Establish what inspection access is available, and take property-specific title or possession questions to a Florida-licensed attorney.
Prepare funding and a complete budget
Establish funding for the full purchase, repairs, insurance and other ownership costs. Section 45.031 provides for a deposit of 5% of the successful final bid; electronic auctions may require advance funds. The deposit is not your complete funding requirement.
Follow the offer or bidding procedures
Follow the seller’s offer requirements or the county’s auction procedures. Check local payment deadlines in advance. Failure to complete auction payment triggers resale and use of the deposit under the statute.
Complete the transfer before planning possession
Winning an auction is not the same as receiving title. Section 45.031 provides a 10-day objection period after the certificate of sale; title passes when the certificate of title is filed. Possession may require additional procedures.
Choose your purchasing route
Decide whether you want a primary residence, second home or investment. Compare auctions, marketed REO homes and HUD inventory against your intended use, timing and tolerance for uncertainty.
Step 1 of 6: Choose your purchasing route
Four Checks Before You Commit
Take property-specific title and possession questions to a Florida-licensed attorney before committing.
Title and claims
Clear title is not assured at Miami-Dade foreclosure auctions. A title search helps identify claims that need review.
Condition and repairs
HUD homes are sold as-is, without seller-paid defect repairs. A professional inspection is recommended; auction access is not assured.
Insurance and flood exposure
Condition, roof characteristics and disaster risk affect insurance pricing. Ordinary homeowners coverage typically excludes flood damage.
Occupancy and possession
Occupied auction properties in Duval can require additional legal procedures for possession. Do not assume you can move in when bidding ends.
Florida Foreclosure Questions Answered
Gaby Sadler
Property Specialist, Serhant
Get Help Comparing Foreclosures & Short Sales
Found a property you like? We can help confirm the listing’s sale type, discuss its approval status and compare it with other homes in your chosen area.
Find a Home That Fits Your Plans
The right purchase should fit your budget, intended use and tolerance for repairs or procedural uncertainty, whether or not it involves foreclosure. We can help you compare homes for sale and consider your next step. Start with what you need from ownership, then assess each property on its individual merits rather than its foreclosure label.
