Tax deadlines, county sale schedules, and free counseling and legal help for homeowners in Clay, Duval, Baker, Putnam, and St. Johns. Every item links to its official source. Filter by your county and what you need.
March 1 (every year)
File with your county Property Appraiser to lower your taxable value. You must own and live in the home as your permanent residence as of January 1. Stable statutory date.
For: All five counties · Official source: Florida Dept. of Revenue · Checked June 2026
On or around November 1
Your county Tax Collector mails the annual bill. Paying early earns a discount.
For: All five counties · Official source: Florida Dept. of Revenue · Checked June 2026
4% in Nov, 3% Dec, 2% Jan, 1% Feb
Pay sooner and pay less. The discount drops one point each month. Stable statutory schedule (Fla. Stat. 197.162).
For: All five counties · Official source: Fla. Stat. 197.162 · Checked June 2026
Due by March 31, delinquent April 1
After April 1, interest and fees are added and the path toward a tax certificate begins.
For: All five counties · Official source: Florida Dept. of Revenue · Checked June 2026
On or before June 1
If taxes stay unpaid, the county sells a tax certificate on the debt. This is the first step that can eventually lead to losing the home. Acting before this matters.
For: All five counties · Official source: Fla. Stat. Ch. 197 · Checked June 2026
Live schedule, updated often
Mortgage foreclosure sales are run by the Clerk of Court. These are held online. Check the official schedule for upcoming dates.
For: Clay · Official source: Clay Clerk of Court · Checked June 2026
Live schedule, updated often
Tax deed sales are run by the Clerk of Court, separate from mortgage foreclosures. These are held online. Check the official list for upcoming dates.
For: Clay · Official source: Clay Clerk of Court · Checked June 2026
Anytime
Pay your property taxes or look up what is owed on the official Tax Collector site.
For: Clay · Official source: Clay Tax Collector · Checked June 2026
Anytime (deadline March 1)
Apply for or check your homestead and other exemptions with the official Property Appraiser.
For: Clay · Official source: Clay Property Appraiser · Checked June 2026
Live schedule, updated often
Mortgage foreclosure sales are run by the Clerk of Court. These are held online. Check the official schedule for upcoming dates.
For: Duval · Official source: Duval Clerk of Court · Checked June 2026
Live schedule, updated often
Tax deed sales are run by the Clerk of Court, separate from mortgage foreclosures. These are held online. Check the official list for upcoming dates.
For: Duval · Official source: Duval Clerk of Court · Checked June 2026
Anytime
Pay your property taxes or look up what is owed on the official Tax Collector site.
For: Duval · Official source: Duval Tax Collector · Checked June 2026
Anytime (deadline March 1)
Apply for or check your homestead and other exemptions with the official Property Appraiser.
For: Duval · Official source: Duval Property Appraiser · Checked June 2026
Live schedule, updated often
Mortgage foreclosure sales are run by the Clerk of Court. Baker County holds these in person at the courthouse, not online. Check the official schedule for upcoming dates.
For: Baker · Official source: Baker Clerk of Court · Checked June 2026
Live schedule, updated often
Tax deed sales are run by the Clerk of Court, separate from mortgage foreclosures. These are held online. Check the official list for upcoming dates.
For: Baker · Official source: Baker Clerk of Court · Checked June 2026
Anytime
Pay your property taxes or look up what is owed on the official Tax Collector site.
For: Baker · Official source: Baker Tax Collector · Checked June 2026
Anytime (deadline March 1)
Apply for or check your homestead and other exemptions with the official Property Appraiser.
For: Baker · Official source: Baker Property Appraiser · Checked June 2026
Live schedule, updated often
Mortgage foreclosure sales are run by the Clerk of Court. These are held online. Check the official schedule for upcoming dates.
For: Putnam · Official source: Putnam Clerk of Court · Checked June 2026
Live schedule, updated often
Tax deed sales are run by the Clerk of Court, separate from mortgage foreclosures. These are held online. Check the official list for upcoming dates.
For: Putnam · Official source: Putnam Clerk of Court · Checked June 2026
Anytime
Pay your property taxes or look up what is owed on the official Tax Collector site.
For: Putnam · Official source: Putnam Tax Collector · Checked June 2026
Anytime (deadline March 1)
Apply for or check your homestead and other exemptions with the official Property Appraiser.
For: Putnam · Official source: Putnam Property Appraiser · Checked June 2026
Live schedule, updated often
Mortgage foreclosure sales are run by the Clerk of Court. These are held online. Check the official schedule for upcoming dates.
For: St. Johns · Official source: St. Johns Clerk of Court · Checked June 2026
Live schedule, updated often
Tax deed sales are run by the Clerk of Court, separate from mortgage foreclosures. St. Johns holds these in person; the property list is posted online. Check the official list for upcoming dates.
For: St. Johns · Official source: St. Johns Clerk of Court · Checked June 2026
Anytime
Pay your property taxes or look up what is owed on the official Tax Collector site.
For: St. Johns · Official source: St. Johns Tax Collector · Checked June 2026
Anytime (deadline March 1)
Apply for or check your homestead and other exemptions with the official Property Appraiser.
For: St. Johns · Official source: St. Johns Property Appraiser · Checked June 2026
Anytime
A HUD-approved counselor helps you understand foreclosure options and loss mitigation at no cost. Search by zip, or call HUD at 800-569-4287.
For: All five counties · Official source: HUD.gov agency search · Checked June 2026
Anytime
HUD-approved counseling: mortgage delinquency and default resolution, budgeting, pre-purchase. Call 904-396-4846.
For: All five counties · Official source: Family Foundations · Checked June 2026
Anytime
Free foreclosure prevention help in Duval. Call 904-356-8371.
For: Duval · Official source: JALA · Checked June 2026
Anytime
Local St. Augustine housing help and foreclosure intervention. Call 904-819-1266. (Confirm current HUD status.)
For: St. Johns · Official source: St. Johns Housing Partnership · Checked June 2026
Anytime
Free civil legal help for housing, foreclosure, and eviction. Duval 904-356-8371; Clay 904-284-8410; St. Johns 904-827-9921.
For: Duval, Clay, Baker, St. Johns · Official source: JALA · Checked June 2026
Anytime
Free legal help including housing. Toll-free intake 1-866-256-8091.
For: Clay, Duval, Baker, St. Johns · Official source: Three Rivers Legal Services · Checked June 2026
Anytime
Serves Putnam County for housing and foreclosure. Get help online or by phone. (Confirm Palatka phone before relying on it.)
For: Putnam · Official source: CLSMF · Checked June 2026
Open by appointment when funds are available
The Northeast Florida Community Action Agency helps with past-due electric and utility bills for income-eligible homeowners across all five counties.
For: All five counties · Official source: NFCAA · Checked June 2026
Open, seniors 60+
Emergency home energy assistance for older adults in St. Johns. Call 904-209-3700.
For: St. Johns · Official source: St. Johns Council on Aging · Checked June 2026
CLOSED, funds exhausted
Heads up: the Florida HAF mortgage-relief program is no longer accepting applications. If anyone asks you to pay to access it, that is a scam. Use free HUD counseling instead.
For: All five counties · Official source: NCSHA HAF tracker · Checked June 2026
June 1 through November 30
Prepare early. After a storm, document damage right away and contact your insurer promptly. Filing deadlines apply.
For: All five counties · Official source: Florida Division of Emergency Management · Checked June 2026
Time-sensitive after a storm
Florida sets deadlines for filing hurricane and windstorm claims. Check your policy and the state regulator for current windows.
For: All five counties · Official source: Florida CFO / Consumer Services · Checked June 2026
One wrong date can hurt more than no date, so every item here links to the official county or state source. County auction schedules and assistance windows change often, so always confirm on the official site before you act. Items marked "Confirm locally" should be verified by phone first. Last reviewed June 2026.
Not sure what applies to you? Talk it through with a person, free and private.
Call or Text 904-606-9163