Foreclosure auction · Bay County

7109 Melissa Elaine Dr, Panama City Beach, FL 32407

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).

Cancelled. The sale set for Wed, Oct 14, 2026 was cancelled: canceled per bankruptcy.

SaleForeclosure auction, Wed, Oct 14, 2026

Case number25000719CA

Market value$345,170

HomeSingle family, 3 bed, 2 bath, 1,674 sq ft, built 2004

Lot7,623 sq ft

Parcel ID27541-425-000

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 14 on bay.realforeclose.com · Property appraiser record · Clerk's record

Run the title search

Every mortgage, lien, judgment and city case recorded against the property.

Liens and title

We have not searched this property yet.

A title search reads the Bay County Official Records by owner, legal description and case number, the court docket, the tax collector, city code cases, permits and federal bankruptcy filings. Press "Run title search" and we email you the report.

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 7109 Melissa Elaine Dr auction?

The sale set for Wed, Oct 14, 2026 was cancelled: canceled per bankruptcy.

Are there liens on 7109 Melissa Elaine Dr?

We have not searched this property yet. A title search lists every mortgage, lien, judgment and city case recorded against it.

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.