The right to stop a Florida foreclosure sale by paying the judgment amount. Under Fla. Stat. 45.0315 it ends at the later of the certificate of sale or the time set in the judgment.
Why it matters to a bidder
A Florida mortgage foreclosure leaves no redemption period once the clerk files the certificate of sale, unless the judgment sets a later time. Under Florida Statute 45.0315 the owner, or the holder of any subordinate interest, can stop the sale by paying the amount specified in the judgment, at any time before the later of the clerk filing the certificate of sale or the time the judgment specifies. Otherwise, the statute says, there is no right of redemption. The standard final judgment form ends it when the certificate of sale is filed, except for rights under the condominium and homeowners association chapters. For a bidder that cuts both ways: a sale can still vanish up to that filing, and once it is filed the former owner cannot buy the house back.
What this entry relies on
- Fla. Stat. §45.0315 (right of redemption)
- Fla. Stat. §45.031(4) (certificate of sale)
- Fla. R. Civ. P. Form 1.996(a), Final Judgment of Foreclosure, in the Florida Bar's edition of October 1, 2026
Other terms
- Lis pendens
- Final judgment of foreclosure
- Certificate of sale
- Objection to foreclosure sale
- Certificate of title
- Surviving lien
- Writ of possession
- Surplus funds
- Tax deed sale
Next, after right of redemption
- How to Read a Florida Final Judgment of ForeclosureThe final judgment tells you who is foreclosing, how much is owed, which interests are wiped out and when the sale is. How to read one before you bid.
- How Florida Foreclosure Auctions Work, Step by StepFlorida is a judicial foreclosure state: a lawsuit, a final judgment, then a clerk-run auction under Fla. Stat. 45.031. The full sequence, in plain English.
- The Complete SystemEvery step we run before we bid, on real Florida dockets.
- Talk to us firstFifteen minutes, weekdays. Nothing is charged on the call.