Facing foreclosure in Polk County? Sell for cash before the sale date.
Get a written cash offer on your Polk County house within 24 hours and close in as little as 7 days. No repairs, no showings, no commissions.
- Written cash offer within 24 hours
- No obligation to accept
- You pick the closing date
Can I sell a house in foreclosure in Polk County?
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 Polk County properties, the local steps run through the Polk County Circuit Court (10th Judicial Circuit) and the Polk County Clerk of Court.
How foreclosure works in Polk County
The steps below follow Florida statutes and the offices that handle them in Polk County.
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 Polk County Circuit Court (10th 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 Polk 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).
Polk County: local facts that affect your sale
Polk County sits on the I-4 corridor between Tampa and Orlando and has been one of Florida's fastest-growing counties.
We buy houses in foreclosure throughout Polk County, including Haines City, Lakeland and Winter Haven, and in unincorporated areas.
City pages: Lakeland
| County | Polk County, Central Florida |
|---|---|
| County seat | Bartow |
| Court for foreclosure cases | Polk County Circuit Court (10th Judicial Circuit) |
| Official records & court sales | Polk County Clerk of Court |
| Property taxes | Polk County Tax Collector |
| Where we buy | Haines City, Lakeland, Winter Haven |
Before you sell in Polk County
Selling to us is one option, not the only one. Polk County homeowners in this spot usually weigh reinstate the loan, loan modification or forbearance, list with an agent, short sale and sell for cash. If keeping the house or listing it makes more sense, we'll say so.
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 Polk County 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 Polk County homeowners ask about foreclosure
Does Florida law protect me when I sell a house in foreclosure?
Yes. Florida's foreclosure-rescue statute (s. 501.1377) sets contract and cancellation rules for investors who buy homes in foreclosure. Ask us and we'll walk you through your rights in writing before you sign anything.
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.
Where are Polk County foreclosure sales held?
The Polk 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 every part of Polk County?
Yes — including Haines City, Lakeland and Winter Haven, the county seat of Bartow, and unincorporated areas.
Which court handles foreclosure cases in Polk County?
The Polk County Circuit Court (10th Judicial Circuit). The Polk County Clerk of Court keeps the official records and runs court-ordered sales.
How fast can you close in Polk County?
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 Polk County
Foreclosure help nearby
Get your no-obligation cash offer on your Polk County property.
Two minutes to submit, a written offer within 24 hours, and the closing date you choose. Nothing to fix, nothing to list.