Brevard County Homeowner Options

Who This Page Is For

This page is for Brevard County homeowners who are experiencing financial difficulty related to their mortgage or property. Whether you are behind on payments, facing foreclosure, have a property you cannot afford to maintain, or simply need to understand your options, the information on this page can help you take the first step.

Brevard County includes Melbourne, Palm Bay, Titusville, Cocoa, Rockledge, Merritt Island, and the broader Space Coast area along the Atlantic Ocean. It is home to Kennedy Space Center and a large aerospace and defense economy, and its real estate market reflects both coastal and inland communities, each with different challenges around insurance, flooding, and taxes.

Common Situations for Brevard County Homeowners

• Falling behind on mortgage payments
• Rising insurance premiums making ownership harder to afford, including wind and flood coverage in coastal and riverfront areas
• Property taxes increasing as home values rise
• Inherited property, particularly in coastal communities
• Storm damage and repair costs after hurricanes
• Problem rental properties
• Job changes or relocation in the aerospace and defense sector
• Property in flood zones with high insurance costs

Some Context for Your Decision

Brevard County, known as the Space Coast, has a real estate market influenced by the aerospace industry, coastal living, and proximity to both Orlando and the Atlantic Ocean. For context, market data from the Space Coast Association of REALTORS, reported by Space Coast Daily, put the single-family median sold price in Brevard County at $400,000 in June 2026, up about 2.6% from a year earlier; the same association's first-quarter 2026 data showed a single-family median around $370,000 and a condo median around $270,000. These figures are offered as context only; your own home's value depends on your neighborhood, condition, and recent local sales, and coastal communities can price very differently from inland areas. Always confirm current information with a local professional.

Local Resources

Brevard County Clerk of Courts

The Brevard County Clerk of the Circuit Court and Comptroller handles foreclosure filings and maintains official records, including deeds, mortgages, and liens on property in Brevard County. If you have received a foreclosure complaint or need to check the status of a case, an upcoming judicial sale, or the official records for your property, this office is the primary resource. The clerk conducts foreclosure sales online, with weekly foreclosure auctions held on Wednesdays at 11 a.m., and handles claims for surplus funds after a sale.

Moore Justice Center: 2825 Judge Fran Jamieson Way, Viera, FL 32940

Phone: (321) 637-5413 | Foreclosures: (321) 637-2003

brevardclerk.us (official site)

Brevard County Clerk: Foreclosures

Eighteenth Judicial Circuit Court of Florida

The Eighteenth Judicial Circuit serves Brevard and Seminole counties, and it handles foreclosure cases for Brevard County homeowners. The circuit's Self-Help Resource Center (Pro Se) assists self-represented parties with court forms and general information, and the circuit's Foreclosure Court page points Brevard County residents to the Brevard County Legal Aid Society for free foreclosure assistance for eligible homeowners. These programs cannot give legal advice, so if your case is complex or the stakes are high, consider speaking with an attorney or a HUD-approved housing counselor.

Eighteenth Judicial Circuit Court of Florida (flcourts18.org)

Brevard County Property Appraiser

The Brevard County Property Appraiser maintains property records, assessed values, ownership information, and exemption details such as homestead. This is where you can check your home's assessed value and apply for exemptions that may lower your property tax bill. Homestead and related exemption applications are filed with the Property Appraiser, generally by the March 1 deadline (Section 196.011, Florida Statutes).

2725 Judge Fran Jamieson Way, Building C, Viera, FL 32940

Phone: (321) 264-6700

Brevard County Property Appraiser (bcpao.us)

Brevard County Tax Collector

Brevard County property tax bills are billed and collected by the Brevard County Tax Collector. If your taxes exceed $100, Florida law (Section 197.222, Florida Statutes) allows an installment payment plan: you apply by May 1 and then pay quarterly installments due in June (with a 6% discount), September (4.5%), December (3%), and March (no discount), with unpaid accounts becoming delinquent on April 1. If a bill remains unpaid, tax certificates are sold, which adds costs to your tax bill, so acting early can save you money.

400 South Street, 6th Floor, Titusville, FL 32780

Phone: (321) 264-6969 (North County) | (321) 633-2199 (South County)

Brevard County Tax Collector (brevardtaxcollector.com)

Brevard County Housing and Human Services

Brevard County's Housing and Human Services Department administers homeowner assistance programs, including the Purchase Assistance (First Time Buyer) program, Owner-Occupied Rehabilitation, and Demolition/Reconstruction and Acquisition assistance for eligible households. Its Replacement, Rehab and Repair Program, funded through state and federal programs for households at or below income limits, has recently been open for applications. The department's Community Action Agency also provides rent and mortgage payment assistance, utility and security-deposit help, and the Low Income Home Energy Assistance Program (LIHEAP). Programs and funding change frequently, income limits and owner-occupancy rules vary by program, and eligibility is determined through the county's application process. Call to confirm what is currently open.

Phone: (321) 633-2007 | (321) 633-2076 | Community Action: (321) 633-1951

Brevard County Housing and Human Services

Brevard County Legal Aid and Community Legal Services

Brevard County Legal Aid (BCLA), based in Rockledge, provides free foreclosure and housing legal assistance to eligible Brevard County residents, and the Eighteenth Judicial Circuit's Foreclosure Court page refers residents there. Community Legal Services of Mid-Florida (CLSMF) also serves Brevard County, providing free or low-cost legal help to income-qualified residents through its Legal Helpline at (800) 405-1417 or online. These programs are subject to income eligibility and case-type limits; their websites and helplines operate in English, with interpreter services commonly arranged case by case.

Brevard County Legal Aid: 1038 Harvin Way, Rockledge, FL 32955 | (321) 631-2500

CLSMF Legal Helpline: (800) 405-1417

brevardcountylegalaid.org (BCLA)

legalaccessforall.org (CLSMF)

HUD-Approved Housing Counseling

Free housing counseling is available through HUD-approved agencies. Counselors can help you understand your options, negotiate with your mortgage servicer, and navigate foreclosure prevention programs. Counseling is offered in multiple languages; ask the agency you contact whether Spanish-speaking counselors are available.

HUD Housing Counseling (hud.gov)

Frequently Asked Questions

How long does foreclosure take in Brevard County?

Florida foreclosures are judicial, so every case moves through the circuit court. Foreclosure-help industry sources commonly describe uncontested cases taking roughly 6 to 18 months from filing to auction, with contested cases taking longer. There is no official single average, and the timeline depends on court schedules and how the case progresses. Acting early generally preserves more options.

Where can I check the status of a foreclosure case in Brevard County?

Foreclosure cases are filed with the Brevard County Clerk of Courts. You can look up case information through the clerk's online services at brevardclerk.us, or contact the clerk at (321) 637-5413. The clerk also posts upcoming judicial sales on its Foreclosures page.

Do Brevard County foreclosure sales happen online?

Yes. The Brevard County Clerk conducts foreclosure sales online, with weekly auctions typically held on Wednesdays at 11 a.m. Bidder registration, deposit requirements, and sale dates are posted on the clerk's Foreclosures page at brevardclerk.us/foreclosures. Surplus funds that remain after a sale are handled by the clerk and may be claimed by eligible parties.

Are there specific assistance programs for Brevard County homeowners?

Programs change frequently. Contact Brevard County Housing and Human Services at (321) 633-2007, ask your mortgage servicer about loss mitigation options, and speak with a HUD-approved housing counselor. Note: Florida's Homeowner Assistance Fund (the "OUR Florida" program) does not operate as a continuously open application window. Homeowners first register at FLHomeownerAssistance.org, are prioritized, and receive an email invitation before they can submit a full application while funds remain. Call the program's Customer Assistance Center at 1-833-987-8997 for its current status.

Can I sell my Brevard County home if I am behind on payments?

Yes. Being behind on payments does not prevent you from selling. You can sell on the open market, to a cash buyer, or explore a short sale if you do not have enough equity. The key is acting before the foreclosure case advances too far.

How do I check my property taxes or apply for homestead exemption?

Homestead and other exemptions are handled by the Brevard County Property Appraiser at bcpao.us, with applications generally filed by the March 1 deadline. Paying your property tax bill is handled by the Brevard County Tax Collector at brevardtaxcollector.com. Both offices can explain deadlines and payment options, including the quarterly installment plan.

Learn More About Your Options

Explore these guides to understand the specific options available to Brevard County homeowners:

• Behind on mortgage payments: what to do next
• Florida foreclosure process and how to stop it
• Short sale guide for Florida homeowners
• Options for selling your house quickly
• Short sale vs foreclosure: which is better?

Schedule a Free Consultation to Discuss Your Brevard County Home

How Tyler Can Help in Brevard County

Tyler Gibson has experience working with homeowners throughout Central Florida, including Brevard County. He speaks Spanish and can hold your consultation in Spanish if you prefer. Whether you need to sell quickly, want to understand whether a short sale or a traditional listing makes more sense, or are facing an upcoming foreclosure hearing, a free consultation can help you understand what paths may be available for your situation.