Foreclosure auction · Bay County

305 Shirley Dr, Panama City, FL 32404

Q: What does the buyer of a foreclosure sale take on?

Junior liens named in the case are cleared. The sale cuts off liens recorded after the foreclosed mortgage when their holders were defendants. Older liens stay. A mortgage or judgment recorded before the foreclosed mortgage survives. So do liens whose holders were left out of the case. Taxes and assessments stay. Unpaid property taxes, tax certificates and assessments on the tax bill, including PACE, follow the property (F.S. 197.122, 163.08). Federal liens. If the United States is a defendant, it can redeem the property for 120 days after the sale (28 U.S.C. 2410).

Scheduled. Scheduled for Fri, Oct 30, 2026 at 11:00 AM CT.

SaleForeclosure auction, Fri, Oct 30, 2026, 11:00 AM CT

Case number25001291CA

Market value$310,690

HomeSingle family, 3 bed, 2 bath, 1,750 sq ft, built 1995

Lot9,858 sq ft

Parcel ID06641-338-070

CountyBay County, Florida

This sale on bay.realforeclose.com ↗ Opens once you are signed in to bay.realforeclose.com as a bidder. Each county's auction site has its own account; a clerk account does not open it.

All lots of Oct 30 on bay.realforeclose.com · Property appraiser record · Clerk's record

Get the full report

Holders, amounts and the recorded documents behind every line.

Liens and title

3 open items on the sale date

From our title search of Oct 26, 2026. Holders and amounts are in the report.

Mortgage
Lis pendens
Foreclosure judgment

Not read: Bay Clerk of Courts, Bankruptcy court, City / county code enforcement. The report names it at the top.

How this sale works

The clerk holds the sale online at bay.realforeclose.com. Register in advance; bidding opens at the scheduled time.
Most Florida clerks take a 5% deposit from the winning bidder at the end of the sale and the balance by the next business day.
The certificate of title issues if no objection is filed within 10 days of the sale (F.S. 45.031).

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Questions about this auction

What happened at the 305 Shirley Dr auction?

Scheduled for Fri, Oct 30, 2026 at 11:00 AM CT.

Are there liens on 305 Shirley Dr?

Our title search found 3 items open on the sale date: mortgage, lis pendens, foreclosure judgment. The full report lists holders, amounts and the recorded documents.

What does the buyer of a foreclosure sale take on?

Junior liens named in the case are cleared. The sale cuts off liens recorded after the foreclosed mortgage when their holders were defendants.
Older liens stay. A mortgage or judgment recorded before the foreclosed mortgage survives. So do liens whose holders were left out of the case.
Taxes and assessments stay. Unpaid property taxes, tax certificates and assessments on the tax bill, including PACE, follow the property (F.S. 197.122, 163.08).
Federal liens. If the United States is a defendant, it can redeem the property for 120 days after the sale (28 U.S.C. 2410).

What survives a Florida foreclosure sale · How a title report is built

Who runs the sale?

The Bay County Clerk of Court, online at bay.realforeclose.com.