Start Here: What You Need to Know
If you're facing foreclosure in St. Johns County, you usually have more time and more choices than the lender's letters make it sound. Florida foreclosures go through court, which gives you a window to act.
St. Johns is one of Florida's wealthiest counties, but high values mean high mortgages — and real equity worth protecting when you're behind.
Quick facts at a glance
- Where foreclosures are handled
- St. Johns County Clerk of Court in St. Augustine, with online auctions.
- Florida foreclosure type
- Judicial — the lender must sue you in court first.
- Can I still sell?
- Usually yes, right up until the auction.
- Cost to review options
- Free, no obligation. No commissions if you sell to us.
- Condition
- We can buy directly — no repairs, no cleanout.
- How fast?
- Often 7–14 days, enough to beat many auction dates.
Foreclosure in St. Johns County Right Now
Cases go through the St. Johns County Clerk of Court in St. Augustine. With strong demand and real equity in most homes, homeowners in distress here often have excellent options — selling before the auction can protect substantial equity.
Why St. Johns County Owners Reach Out
- A high Ponte Vedra or Nocatee mortgage outran a change in income.
- An inherited historic St. Augustine cottage has title or condition quirks.
- A relocation left a World Golf Village or St. Johns home behind.
- A divorce made a large family home unaffordable on one income.
Cities we serve in St. Johns County
- St. Augustine
- St. Augustine Beach
- Ponte Vedra Beach
- Nocatee
- St. Johns
- Hastings
Your Options Before the Auction
Most St. Johns County owners have at least three real paths. The right one depends on your timeline, the property's condition, and your equity.
| Modify / Reinstate | Sell Before Auction | Let It Foreclose | |
|---|---|---|---|
| Keep the home? | Sometimes | No | No |
| Protects equity | Depends | Yes | Often no |
| Credit impact | Light if you catch up | Moderate | Severe ~7 yrs |
Pros
- Protects equity foreclosure would erase
- Avoids a foreclosure on your credit
- You pick the closing date
- As-is — no repairs or showings
Cons / Trade-offs
- The cash price is below renovated retail
- If you can catch up, keeping may be better
- You give up the home
Facing foreclosure in St. Johns County?
One free, honest conversation about every option — even the ones that don't involve us.
Review My Options Call 904-606-9163The Local Market and Your Equity
Because St. Johns values are high and demand is strong, distressed owners here frequently have meaningful equity — which can change everything. Sometimes there's even time to list; sometimes a fast sale before the auction is the safer play. We'll pull the real comparable picture and tell you honestly which path nets you more, from historic-district cottages to Nocatee new-builds.
Hidden Things for St. Johns County Owners
- High values = high equity to protect. A forced sale here can cost you a lot, so acting before the auction matters even more.
- Historic-district homes have quirks. Title and zoning factors in old St. Augustine can slow a traditional sale — we work through them.
- Equity is use-it-or-lose-it at auction. A forced sale often wipes out equity into fees and a low price — selling first keeps it.
- A cash sale can beat the auction date. With enough runway we can frequently close before the sale is scheduled.
- Beware foreclosure-rescue scams. Never pay big upfront fees; free HUD counseling exists (1-800-569-4287).
Chris Moore
"I'm local — based right here in Northeast Florida — so I know how foreclosure plays out in St. Johns County specifically. I'll tell you honestly whether selling, catching up, or a modification is your best move."
"We're local and we're not a call center. We'll tell you honestly what your options are — including the ones that don't involve selling to us — because the right move is whatever actually protects you."
Frequently Asked Questions
Where are St. Johns County foreclosures handled?
Through the St. Johns County Clerk of Court in St. Augustine, with auctions held online.
Can I still sell with an auction date set?
Often yes, right up until the auction. Reach out early so we can move in time.
Will it cost me anything to review my options?
No. The consultation is free and there's no obligation.
Do you buy homes that need work?
Yes — we can buy directly, with no repairs or cleanout required.
My home has lots of equity — should I still sell fast?
Maybe not — if there's time, listing may net more. We'll tell you honestly which path fits.
Need to talk to someone?