Facing foreclosure in Clearwater? Sell for cash before the sale date.
We buy houses in foreclosure across Clearwater as-is, for cash. Tell us your timeline and we'll build the closing around it.
- Written cash offer within 24 hours
- No obligation to accept
- You pick the closing date
Can I sell a house in foreclosure in Clearwater?
Yes. In Florida a foreclosure has to go through the Circuit Court, so there is usually time to sell between the lawsuit and the Clerk's sale. You can sell for cash any time before the Clerk files the certificate of sale, pay off the lender at closing, and keep any equity that is left.
For Clearwater properties, the local steps run through the Pinellas County Circuit Court (6th Judicial Circuit) and the Pinellas County Clerk of Court.
How foreclosure works in Pinellas County
The steps below follow Florida statutes and the offices that handle them in Pinellas County, which includes Clearwater.
Missed payments
Federal servicing rules generally keep a lender from filing until a loan is more than 120 days behind. Use this window — it is the cheapest time to sell.
Lawsuit and lis pendens
The lender sues in the Pinellas County Circuit Court (6th Judicial Circuit) and records a lis pendens. Once you are served you have 20 days to respond.
Final judgment
If the court rules for the lender, it sets a sale date, normally 20–35 days after the judgment (s. 45.031, Fla. Stat.).
Clerk's sale
The Pinellas County Clerk of Court auctions the home, usually online. You can still pay off or sell until the Clerk files the certificate of sale (s. 45.0315).
After the sale
Any money above the debt is surplus. Claim it with the Clerk — surplus not paid out within a year of the sale is reported as unclaimed (s. 45.032).
Clearwater: local facts that affect your sale
Clearwater is the Pinellas County seat, and its beach and bayfront neighborhoods flooded during Hurricane Helene in 2024. Pinellas is Florida's most densely populated county, with an older housing stock that took heavy surge damage from Hurricane Helene in 2024.
We buy houses in foreclosure in Countryside, Clearwater Beach, Morningside, Skycrest and North Greenwood, and anywhere else in Clearwater, plus nearby St. Petersburg.
| County | Pinellas County, Tampa Bay |
|---|---|
| County seat | Clearwater |
| Court for foreclosure cases | Pinellas County Circuit Court (6th Judicial Circuit) |
| Official records & court sales | Pinellas County Clerk of Court |
| Property taxes | Pinellas County Tax Collector |
| Where we buy | Countryside, Clearwater Beach, Morningside, Skycrest, North Greenwood · nearby St. Petersburg |
Options for Clearwater homeowners
You have more than one way out. Clearwater homeowners in this spot usually weigh reinstate the loan, loan modification or forbearance, list with an agent, short sale and sell for cash. We're happy to talk through each one — no pressure.
Compare every option in the Florida guide →- Behind on payments and the gap keeps growing
- A sale date is already set
- Worried about the credit damage
- The servicer won't agree to a plan you can afford
Three steps. Your schedule.
No listing, no staging, and no strangers walking through your Clearwater house. Here's the whole process.
Tell us about the house
Share the address and a few details online or by phone. It takes about two minutes and costs nothing.
Get a written cash offer
We review the property and recent nearby sales and send a no-obligation cash offer, usually within 24 hours.
Pick your closing date
Close in as little as 7 days through a Florida title company, or pick a later date. We cover normal closing costs.
What Clearwater homeowners ask about foreclosure
How long does foreclosure take in Florida?
Florida is a judicial foreclosure state, so every case goes through the Circuit Court. Contested cases often take many months; uncontested ones can move from filing to sale much faster. The sale itself is set 20–35 days after the final judgment.
What happens to my equity if the house goes to auction?
If the auction brings more than you owe, the extra is surplus that you can claim from the Clerk. Selling before the auction usually keeps more of your equity, because auction prices are often below market.
Where are Pinellas County foreclosure sales held?
The Pinellas County Clerk of Court runs court-ordered foreclosure sales. Florida law lets Clerks hold these sales online (s. 45.031), and the sale date is listed in the final judgment.
Do you buy houses in Clearwater?
Yes. We buy in Countryside, Clearwater Beach, Morningside and Skycrest and every other part of Clearwater, as well as the rest of Pinellas County. Submit the address and we'll confirm within a day.
How fast can you close in Clearwater?
As little as 7 days after you accept, using a Florida title company. If you need more time, we'll set the date that works for you.
Related help
Other situations in Clearwater
Foreclosure help nearby
Get your no-obligation cash offer on your Clearwater property.
Two minutes to submit, a written offer within 24 hours, and the closing date you choose. Nothing to fix, nothing to list.