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Osceola County foreclosure auctions are held in person at the Historic Courthouse, 3 Courthouse Square, room 204, on the date advertised, from 11:00 am: the deposit is 5% of your bid, paid at the sale, with the balance due by 4:00 pm the same day. Fees include: court registry; documentary stamps; $70 clerk charge per sale (the clerk does not say who pays it). Read from the clerk's own site on November 3, 2026.

Covers Kissimmee, St. Cloud, Celebration.

Where
In person at the Historic Courthouse, 3 Courthouse Square, room 204
Sale days
On the date advertised
Sale time
11:00 am
Deposit
5% of your bid, paid at the sale. A judgment holder that wins does not post it. Cash, money order or cashier's check only; the clerk accepts no personal or business checks
Balance
Unusually short: the full price plus the registry fee is due before 4:00 pm the SAME DAY as the sale, by cash, money order or cashier's check. The clerk states no exceptions are made, and a missed payment forfeits the deposit

Osceola County foreclosure auction fees

  • Court registry under Fla. Stat. 28.24: 3% of the first $500, then 1.5% of each subsequent $100
  • Documentary stamps: $0.70 per $100, provided with the certificate of title for recording
  • $70 clerk charge per sale (the clerk does not say who pays it)

How a Osceola County foreclosure sale runs

  1. 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.

  2. 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.

  3. 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.

  4. 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.

  5. 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.

  6. 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.

Osceola County auction questions

Where are Osceola County foreclosure auctions held?
Osceola County holds its foreclosure sales in person at the Historic Courthouse, 3 Courthouse Square, room 204. On the date advertised, 11:00 am. The clerk publishes the sale list at https://courts.osceolaclerk.com/reports/CivilMortgageForeclosuresWeb.pdf.
What deposit is required at a Osceola County foreclosure sale?
5% of your bid, paid at the sale. A judgment holder that wins does not post it. Cash, money order or cashier's check only; the clerk accepts no personal or business checks.
When is the balance due after winning a Osceola County foreclosure auction?
Unusually short: the full price plus the registry fee is due before 4:00 pm the SAME DAY as the sale, by cash, money order or cashier's check. The clerk states no exceptions are made, and a missed payment forfeits the deposit.

Before you bid in Osceola

Next, if you are bidding in Osceola County

Counties near Osceola

Source: Osceola County Clerk. Clerks change deadlines and fees. Confirm before you bid.