Bay County foreclosure auctions
Updated November 10, 2026 Court records and sale calendars, checked nightly
Bay County has 25 sales scheduled in the next 30 days. They are listed below; see all 117 sales in Northwest Florida for the counties around it.
Every scheduled foreclosure sale in Bay County, Florida, with the final judgment, the county appraiser’s market value and the recorded debts. 25 sales are set for the next 30 days.
Key takeaways
- This week11 foreclosure sales are scheduled in Bay County in the next 7 days, the busiest day being Mon Nov 16.
- Under half of value1 of the next 30 days’ sales carry a judgment under 50% of the home’s value.
- HOA foreclosures1 sale was filed by a homeowners or condo association, usually for a small debt.
Sales by day this week
Bay County foreclosure sales
11 sales in the next 7 days
5930 Pitti Ln Youngstown, FL 32466 · Single family · 3 bd · 1,680 sq ft · 1985 $76,512 of $68k 112% of market value F••••• R••••• J••• D••• Absentee, in state Thu Nov 12 Tomorrow 
2209 E 6th Ct Panama City, FL 32401 · Single family · 3 bd · 1,428 sq ft · 1977 $78,935 of $108k 73% of market value M••••• R••••• L•••• Owner-occupied · 16 yrs Fri Nov 13 in 2 days 
7289 Ellie B Dr Panama City, FL 32404 · Single family · 4 bd · 1,787 sq ft · 2021 $260,220 of $244k 107% of market value W•••• M••••• D Owner-occupied · 5 yrs Fri Nov 13 in 2 days 
248 Sukoshi Dr Panama City, FL 32404 · Single family · 3 bd · 2,600 sq ft · 1977 $400,764 of $371k 108% of market value K•••• A••• B••••• Absentee, out of state · 4 yrs Fri Nov 13 in 2 days 
619 Breakfast Point Blvd Panama City Beach, FL 32407 · Single family · 4 bd · 1,924 sq ft · 2013 $9,208 of $431k 2% of market value L••••• K••••• E••••• Owner-occupied · 9 yrs Mon Nov 16 in 5 days 
104 Golf Dr Panama City Beach, FL 32408 · Single family · 1 bd · 408 sq ft · 1974 $422,898 of $608k 70% of market value J•••• J••• M••••• Owner-occupied · 4 yrs Mon Nov 16 in 5 days 
2807 Gordon St Panama City, FL 32405 · Single family · 3 bd · 2,118 sq ft · 1973 $375,371 of $231k 162% of market value Ach Holdings Inc Absentee, in state · 3 yrs Mon Nov 16 in 5 days 
2906 Clearview Ave Panama City, FL 32405 · Single family · 4 bd · 1,566 sq ft · 2022 $388,313 of $266k 146% of market value C••••• T••••• L Owner-occupied · 3 yrs Mon Nov 16 in 5 days 
306 Marsh Island Dr Lynn Haven, FL 32444 · Single family · 4 bd · 2,811 sq ft · 2024 $652,786 of $466k 140% of market value R••••• M••••• Owner-occupied · 2 yrs Tue Nov 17 in 6 days 
3793 Atlantis Dr Southport, FL 32409 · Single family · 2 bd · 1,400 sq ft · 1994 $222,206 of $86k 259% of market value W••••• D••••• Owner-occupied Wed Nov 18 in 7 days 
140 Manistee Dr Panama City Beach, FL 32413 · Single family · 3 bd · 1,528 sq ft · 1986 $378,691 of $235k 161% of market value G••••• J••• F Owner-occupied · 4 yrs Thu Nov 19 in 8 days 
117 Landings Dr Lynn Haven, FL 32444 · Single family · 4 bd · 2,747 sq ft · 2001 $334,635 of $399k 84% of market value W•••• P••••• Owner-occupied · 9 yrs Fri Nov 20 in 9 days 
9860 S Thomas Dr Panama City Beach, FL 32408 · Single family · 5 bd · 1,536 sq ft · 2007 $33,918 of $38k 88% of market value Sunshine Properties Ltw L13 LLC Absentee, in state · 1 yrs Fri Nov 20 in 9 days 
806 White Oak Ct Panama City Beach, FL 32408 · Single family · 3 bd · 2,032 sq ft · 1986 $475,097 of $361k 132% of market value R••••• T••••• Owner-occupied · 3 yrs Mon Nov 30 in 19 days 
12532 Apaloosa Way Panama City, FL 32404 · Single family · 5 bd · 2,442 sq ft · 1979 $409,181 of $347k 118% of market value F••• K••••• Owner-occupied · 3 yrs Mon Nov 30 in 19 days 
5409 Hickory St Panama City, FL 32404 · Commercial · 4,976 sq ft · 1978 $410,051 of $480k 85% of market value Little Babes Academy LLC Owner-occupied · 3 yrs Mon Nov 30 in 19 days 
242 Allen Ave Panama City, FL 32401 · Single family · 2 bd · 1,465 sq ft · 1946 $283,050 of $288k 98% of market value F•••• V•••• Owner-occupied · 4 yrs Mon Nov 30 in 19 days 
7028 Clayton Rd Youngstown, FL 32466 · Mobile home · 4 bd · 1,590 sq ft · 2020 $118,392 of $102k 117% of market value E•••• S•••• Owner-occupied · 7 yrs Tue Dec 1 in 20 days 
274 Bayou Bend Ln Panama City, FL 32404 · Single family · 4 bd · 1,887 sq ft · 2022 $354,651 of $279k 127% of market value E••••• L•• Trust Absentee, out of state · 1 yrs Tue Dec 1 in 20 days 
1611 E 14th Ct Lynn Haven, FL 32444 · Single family · 3 bd · 1,821 sq ft · 1993 $224,314 of $48k 464% of market value Y••••• R••••• J Absentee, out of state · 17 yrs Fri Dec 4 in 23 days 
911 Cypress Ave Panama City, FL 32401 · Single family · 3 bd · 2,403 sq ft · 1952 $219,688 of $236k 93% of market value N•••• J••••• Absentee, out of state · 5 yrs Tue Dec 8 in 27 days 
6600 Slabinski Ln Panama City, FL 32404 · Single family · 4 bd · 1,787 sq ft · 2023 Judgment not published S••••• D••••• G•••• Owner-occupied · 3 yrs Wed Dec 9 in 28 days 
2305 Mayfield Ct Panama City, FL 32405 · Single family · 3 bd · 1,668 sq ft · 1974 $261,747 of $208k 126% of market value M••••• V••• F Absentee, in state · 25 yrs Thu Dec 10 in 29 days 
4723 Baywood Dr Lynn Haven, FL 32444 · Single family · 5 bd · 3,200 sq ft · 1972 $576,020 of $429k 134% of market value M••••• J•••• D Owner-occupied · 11 yrs Thu Dec 10 in 29 days 
9107 Newberry Rd Youngstown, FL 32466 · Single family · 4 bd · 1,728 sq ft · 1998 $170,290 of $115k 148% of market value C•••• C••••• M Owner-occupied · 4 yrs No sales match.
Bay County sales on the map
Sales scheduled per week
How auctions work in Bay
Where are Bay County, Florida foreclosure sales held?
Bay County foreclosure sales are held online through the Clerk's auction site, bay.realforeclose.com. Bidders must register and place deposits in advance; registering by mail is not possible.
Source, checked November 9, 2026
What time do Bay County foreclosure auctions start?
Bay County's auction calendar lists foreclosure sales on scheduled weekdays starting at 11:00 AM Central Time.
Source, checked November 9, 2026
How much is the bidder deposit for a Bay County foreclosure auction?
Bay County bidders deposit 5% of their maximum estimated high bid, early enough to clear before the sale. Deposits must be posted by 3:00 PM CT one full business day before the sale.
Source, checked November 9, 2026
When is the balance due after winning a Bay County foreclosure auction?
The winning bidder in Bay County must pay the bid balance, plus documentary stamp taxes and registry fees, by 11:00 AM the next business day. Fla. Stat. 45.031 also governs the sale.
Source, checked November 9, 2026
Can a Bay County foreclosure sale be canceled after the auction?
Most Bay County foreclosure sales are final, but a judge can grant orders setting aside (canceling) a sale, usually before the certificate of title issues.
Source, checked November 9, 2026
Who can claim surplus money after a Bay County foreclosure sale?
Under Fla. Stat. 45.032, the owner of record when the lis pendens was filed is presumed entitled to the surplus after subordinate lienholders who timely filed claims are paid.
Source, checked November 9, 2026
Sale information comes from Bay County court records and sale calendars, collected and checked nightly by Goliath. Sales can be postponed or cancelled. Owner names and contact details are partly hidden on this page.