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PLEASE TAKE NOTICE: THERE IS A CHANGE IN FL STATUTE AMENDING §45.031 AND §45.032
(EFFECTIVE JULY 1, 2019).


This change will affect the Final Judgment and Publication language as it relates to Surplus Funds.
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Frequently Asked Questions

The Clerk & Comptroller cannot assist in researching properties, and is statutorily prohibited from giving legal advice. The Clerk sells property pursuant to court order and cannot guarantee a clear title. It is the responsibility of the purchaser to research the property prior to the sale date. For more information about the foreclosure sales process, please visit the Clerk's Web site.
  1. Where can I find the address for a case I am interested in?
  2. What is an Internet auction?
  3. How is it different from an in-person foreclosure sale?
  4. What equipment or software do I need to be able to participate?
  5. Will it cost me anything to participate?
  6. Who do I contact if I have a question about how to use the website?
  7. If I have questions about a specific case or the foreclosure proceedings, who do I contact?
  8. Does a foreclosure sale eliminate all other liens on a property?
  9. Will I get a free and clear title to the property?
  10. Can a lien on a property still exist after I am issued a Certificate of Title?
  11. How do I get started?
  12. When can I place my bids?
  13. As a Plaintiff Representative can I bid above my credit limit?
  14. Why does the Plaintiff's maximum bid appear in some cases and in other cases it shows as "not visible"?
  15. What is proxy bidding?
  16. What is the "One Minute Rule"?
  17. How do I submit my deposit?
  18. What is an ACH Debit?
  19. When do bidders have to pay the amount due for their purchases?
  20. What happens if I fail to pay the balance within the period indicated?
  21. What happens to my deposit if I don't win any property?
  22. Where can I find additional foreclosure FAQs on the Clerk's web site?
  23. When are the foreclosure sales conducted?
  24. Where can I get a list of upcoming foreclosure sales?
  25. Where can I find information on foreclosure sales procedures?
  26. What are the required fees?
  27. What form of payment is required for deposits and final payment?

  1. Where can I find the address for a case I am interested in?

    The Clerk's office does not provide the property address information to the auction site. However, if available, you can view the address on the auction web site by clicking the "+" sign next to the case number. The street address of any listed property may only be an approximation.

    Neither the auction site nor the Clerk & Comptroller is responsible for the accuracy of any such address. The street address alone should not be relied on by a bidder to identify the property. It is your responsibility to do all the independent research regarding the property, including but not limited to, determining whether any of the defendants have filed for bankruptcy protection, whether there are any liens or encumbrances or defects in title on the property and the value of the property. You are welcome to check the Official Records (accessible from the Clerk's website) and the Property Appraiser's site to see what you can learn.

    If the address is not available on the auction site, sometimes the address appears in the Final Judgment by way of the legal description of the property or other notations within the scanned pdf document (click the "Final Judgment Book/Page" link on the auction site).


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  2. What is an Internet auction?

    An auction in which bids are transmitted and received electronically through the Internet using a computer and a web browser.


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  3. How is it different from an in-person foreclosure sale?

    Prior to the internet sale, bidders congregated in a large crowded room and called out their bids to the auctioneer. An Internet sale allows this process to be handled electronically. Each bidder will use a personal ID and Password to log on to the web site and enter bids for individual properties.


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  4. What equipment or software do I need to be able to participate?

    A bidder must have internet access and a web browser; recommended browsers include: Internet Explorer version 9.0 or later, Mozilla Firefox version 3.0 or later, Google Chrome version 17 or later. The Clerk Auction site will not support Internet Explorer 6.0 and older Internet Explorer browsers.


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  5. Will it cost me anything to participate?

    Registration on the web site is free. However, you will need to abide by the Clerk's deposit rules of submitting five percent (5%) of what you intend to bid prior to participating in an auction. The deposit is fully refundable if you are not the winning bidder.

    If you are a winning bidder, you must pay the following costs unless otherwise provided in the Judgment: documentary stamp taxes ($.70 per $100.00, or a fraction thereof, of the amount bid); registry fees of three percent (3%) of the first $500.00, and one and a half percent (1 1/2%) of the balance of the amount bid and any other costs as set forth in the Judgment. You can view a complete list of the fees associated with each sale on the Clerk's web site at https://www.mypalmbeachclerk.com/resources/fees/other-services-fees/foreclosures.


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  6. Who do I contact if I have a question about how to use the website?

    Representatives of Grant Street Group are available via email (ClerkAuction@GrantStreet.com) or via phone at (877) 274-9320 between 8:00 a.m. and 5:00 p.m. EDT on business days to provide instruction and answer questions regarding use of the website.


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  7. If I have questions about a specific case or the foreclosure proceedings, who do I contact?

    Please contact the Clerk's foreclosure department at (561) 355-2986.


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  8. Does a foreclosure sale eliminate all other liens on a property?

    Q: Does a foreclosure sale eliminate all other liens (for example - a 1st bank mortgage, a 2nd bank mortgage, a condominium/home owner association lien, tax liens, a construction lien, a mechanics lien, etc.) on a property?

    A: The foreclosure laws are complicated and you should not bid on a foreclosure property unless you have thoroughly researched the property, understand the foreclosure and related real property laws, and understand what liens or encumbrances may survive the foreclosure sale. Attorneys and Title Companies may be able to provide you with information regarding the liens on a given property. Be advised that you are solely responsible for researching foreclosure properties and you assume sole responsibility for making any bid at the on-line foreclosure auction.


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  9. Will I get a free and clear title to the property?

    Q: I just bought a condominium at a foreclosure sale. The foreclosure action was brought by the Condominium Association. Do I have free and clear title to the property or does the bank's mortgage to the prior owner still exist as a lien on this property?

    A: Depending on the circumstances, the bank's mortgage may still exist as a lien on the property. (Please see the answer to Question 8.)


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  10. Can a lien on a property still exist after I am issued a Certificate of Title?

    Depending on the circumstances, one or more lien(s) may still exist on the property after a Certificate of Title is issued. (Please see the answer to Question 8.)


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  11. How do I get started?
    • Register on the web site
    • Review the recorded Demo on the Home page
    • Read the Foreclosure Instructions documents
    • Submit the required deposit with the Clerk

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  12. When can I place my bids?

    Plaintiff Representatives may begin submitting bids and performing other Pre-Auction functions one (1) week prior to a scheduled sale.

    All other bidders can begin placing bids at 9:00 a.m. EDT on the scheduled day of the sale. Refer to the auction calendar for upcoming sales.


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  13. As a Plaintiff Representative can I bid above my credit limit?

    You may bid above your credit limit, however in order to do so you must abide by the deposit requirements of the sale. You must submit sufficient funds to the Clerk in the amount of five percent (5%) of what you intend to bid over your credit limit. This deposit is subject to all the same rules which apply to non-Plaintiff Representative bidders; see How to Participate.


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  14. Why does the Plaintiff's maximum bid appear in some cases and in other cases it shows as "not visible"?

    There is an option for the plaintiff's representative to display its maximum bid during the auction. The clerk' s office does not regulate, prevent or sanction bidding of amounts that are less than the visible maximum bid.


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  15. What is proxy bidding?

    Proxy bidding is a form of competitive sale in which bidders input the maximum bid they are willing to pay for a property they would like to purchase. The system will then automatically enter bids on their behalf, as necessary, up to their maximum bid.

    If you enter a maximum bid that is the same as another lead bid, the first bidder to submit that amount would be deemed the leader. The trailing bidder would be notified with a message on the screen that "your bid was submitted successfully, but you trail an earlier bidder at the same price". The non leader would have to increase their maximum bid to become the leader.

    All bids submitted by bidders on this site are submitted as proxy bids. The bid you enter after you click the Enter Max Bid link will be executed using the proxy bid system. The only exception is for plaintiff representatives who can elect to waive proxy bidding, in which case the opening bid will be their maximum bid, after which bidding continues as normal using the proxy system.


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  16. What is the "One Minute Rule"?

    If a bidder becomes a leading bidder (as displayed by "leader" in the bid status column) in the last one minute of the sale, the Auction Clock will change to reflect a new Auction Close Time and the sale will be extended one (1) minute to allow additional bidding. This will continue until that bidder remains leader for one (1) minute (at which time the auction closes and the leading bid becomes the Winning Bid). Be aware that submitting a bid higher than the "best bid" may not trigger overtime due to the automatic proxy bid. The bid you submit must make you the "leader" in order to trigger overtime. When you submit your bid you will get a message on your screen that indicates your bid has been accepted and your status is now leading or you are now trailing.


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  17. How do I submit my deposit?

    Advance deposits may be made online through the electronic auction web site via ACH/Electronic Debit or you may submit your deposit directly to the Clerk's foreclosure department.

    If you submit your deposit via ACH/Electronic Debit, it must be submitted at least three (3) full business days before the auction in which you intend to participate. Funds will clear on the fourth (4th) business day, which must be on or before the scheduled sale day. (For example, to bid in a Thursday auction, an ACH/electronic check payment transfer equal to five percent of the anticipated final bid must be completed by 5 p.m. EDT on the preceding Friday.) A refund of unused ACH deposits will be automatically initiated on the 85th day following a deposit. If you are interested in bidding on a property beyond that time period, it is your sole responsibility to submit a new deposit at least three full business days before the auction in which you intend to participate.

    If you submit your deposit directly to the Clerk's foreclosure department, it must be paid by cash, official bank check, cashier's check, and if represented by an attorney, by attorney trust account check (clearly delineated as such on the check). This type of deposit must be presented to the Foreclosure/Tax Deed Department by 4:00 p.m. EDT the day before the scheduled auction.

    All checks must be drawn upon a U.S. or Canadian banking institution, made payable to Clerk & Comptroller Palm Beach County. If drawn on a Canadian Bank, the funds must be in U.S. dollars. The Foreclosure Department is located in Room 3.2300 (in the Circuit Civil Department) in the Main Courthouse, 205 North Dixie Highway, West Palm Beach, Florida 33401. Under no circumstances will the Clerk accept credit card, personal checks or third party checks. No deposits will be accepted on the day of the auction.

    Note: If a deposit is made at the Clerk's office by cashier's check, attorney trust account check or bank check, the name and address of the person or entity shown as the remitter on the check will be the person or entity that will receive the credit for the deposit online. That person or entity must be registered with the same name and address on the online system. For example, if the check shows a corporate name and address, that corporation must be the registered user on the online system under the same name and address to be given the credit for the deposit. If a bidder wishes to submit and receive credit for deposits from various sources, they must make their deposits via ACH.


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  18. What is an ACH Debit?

    An ACH debit is an electronic funds transfer from your bank account, initiated by the Clerk with your prior authorization. For more information on ACH, please visit the NACHA, the Electronic Payments Association, at www.nacha.org.

    Funds must be drawn from a US financial institution. Some types of money market, brokerage, and/or trust accounts cannot accept ACH debits. Please check with your financial institution prior to initiating payment on the web site.


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  19. When do bidders have to pay the amount due for their purchases?
    Winning bidders are required to make final payment by 2: 00pm EST the business day following the sale.

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  20. What happens if I fail to pay the balance within the period indicated?
    If you fail to make the final payment by 2: 00pm EST the business day following the sale, you will forfeit your deposit. In the event of forfeiture, the Clerk assesses a non-refundable registry fee and other costs (e.g., re-publication costs) from the forfeited deposit. Any remaining funds from the forfeited deposit shall be applied toward the judgment.

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  21. What happens to my deposit if I don't win any property?

    You may choose to keep your deposit on account with the Clerk to use for future auctions or you may request a refund of some or all of your remaining deposit. To request a refund, log in and go to "My Payments" and click on the "Request Refund" link. If you funded your deposit account via ACH (electronic debit) you will be refunded via ACH (money will be returned to the same account that it was paid from). If you funded your deposit account directly with the Clerk you will receive a refund check issued by the Clerk. You can check on the status of your refund check by contacting the Clerk's office directly.

    A refund of unused ACH deposits will be automatically initiated on the 85th day following a deposit. If you are interested in bidding on a property beyond that time period, it is your sole responsibility to submit a new deposit at least three full business days before the auction in which you intend to participate.


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  22. Where can I find additional foreclosure FAQs on the Clerk's web site?

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  23. When are the foreclosure sales conducted?

    Sales are generally scheduled Monday through Thursday, excluding legal holidays. Bids are accepted beginning at 9 a.m. EDT on scheduled sale days. See the Auction Calendar for the exact dates of upcoming sales.


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  24. Where can I get a list of upcoming foreclosure sales?

    You can view a sales list on the auction web site.


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  25. Where can I find information on foreclosure sales procedures?

    Download the Administrative Policy - Clerk's Judicial Sales Procedure on the following web page: https://www.mypalmbeachclerk.com/home/showdocument?id=230


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  26. What are the required fees?

    See Question 5 above. You may also view a complete list of the fees associated with each sale on the Clerk's web site at https://www.mypalmbeachclerk.com/resources/fees/other-services-fees/foreclosures.


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  27. What form of payment is required for deposits and final payment?

    Deposits:

    Advance deposits may be made online through the electronic auction web site via ACH/Electronic Debit transfer. In addition, the deposit may be paid by cash, official bank check, cashier's check, and if represented by an attorney, by attorney trust account check (clearly delineated as such on the check).

    A refund of unused ACH deposits will be automatically initiated on the 85th day following a deposit. If you are interested in bidding on a property beyond that time period, it is your sole responsibility to submit a new deposit at least three full business days before the auction in which you intend to participate.

    Plaintiff Clerk Fee:

    Plaintiff Representatives are required to pay the $70 Clerk fee and the $70 online sale fee. This fee can be submitted via ACH/Electronic Debit on the web site. In addition, the Clerk fee may be paid by cash, official bank check, cashier's check, and if represented by an attorney, by attorney trust account check (clearly delineated as such on the check).

    Final Payment:

    Final payment must be made by Cash, Official Bank Check, Cashier's Check, Attorney Trust Account Check, or wire transfer. Final payment must be received by the Clerk's bank by the 2:00 pm EDT deadline the business day following the sale. If you are a Plaintiff Representative and have not bid above your credit limit you may make final payment via ACH/Electronic Debit.

    No final payments will be accepted without a court order after the 2:00 pm EDT the next business day following the sale. Payments received after 2:00 pm EDT will be returned to the bidder and the sale will be forfeited. A successful bidder's final payment made by wire transfer (which may have varying processing times) must allow enough time for the wire to be processed and received by the Clerk's bank by the 2:00 pm EDT deadline. A final payment made by wire transfer that is initiated by the successful bidder's bank prior to the 2:00 pm EDT deadline, but not received by the Clerk's bank by the 2:00 pm EDT deadline, will be returned to the bidder and the sale will be forfeited.

    Note: Any Deposit funds that are in excess of your minimum 5% deposit for each awarded property cannot be applied to offset your final 95% payment if you are awarded a property at auction.

    All checks must be drawn upon a U.S. or Canadian banking institution, made payable to Clerk & Comptroller Palm Beach. If drawn on a Canadian bank, the funds must be in U.S. dollars. The Foreclosure Department is located in Room 3.2300 (in the Circuit Civil Department) in the Main Courthouse, 205 North Dixie Highway, West Palm Beach, Florida 33401. All wire transfers must be made from a U.S. banking institution.


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