Volusia County Homeowner Options

Who This Page Is For

This page is for Volusia 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.

Volusia County includes Daytona Beach, DeLand, Deltona, New Smyrna Beach, Ormond Beach, Port Orange, Edgewater, and many surrounding communities. The county's real estate market is diverse, with coastal and beachside properties, suburban neighborhoods, and inland rural areas, each with different challenges around insurance, storm risk, and taxes.

Common Situations for Volusia County Homeowners

• Falling behind on mortgage payments
• Coastal property insurance costs, including windstorm coverage and flood insurance
• Property taxes increasing as home values rise
• Inherited property, particularly coastal or beachside properties
• Divorce requiring a property decision
• Storm damage and repair costs
• Job relocation requiring a quick sale
• Properties in flood zones with high insurance costs

Some Context for Your Decision

Volusia County sits on Florida's Atlantic coast, stretching from the beach communities to inland areas around DeLand and Deltona. For context, Florida Realtors data reported by the Daytona Beach News-Journal put the median sale price for the Deltona-Daytona Beach-Ormond Beach metro area (Volusia and Flagler counties) at $360,000 as of June 2026, with 1,188 closed sales that month (news-journalonline.com, July 2026). This metro-wide figure is offered as context only; your own home's value depends on your neighborhood, condition, and recent local sales, and city medians vary widely across the county. Always confirm current information with a local professional.

Local Resources

Volusia County Clerk of Courts

The Volusia County Clerk of the Circuit Court handles foreclosure filings and maintains official records, including deeds, mortgages, and liens on property in Volusia 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 also manages judicial sales and claims for surplus funds after a sale.

Courthouse: 101 North Alabama Avenue, DeLand, FL 32724

Phone: (386) 736-5915

Office hours: Monday to Friday, 8:00 a.m. to 4:00 p.m.

clerk.org (official site)

Volusia County Clerk: Foreclosure information

Seventh Judicial Circuit Court of Florida

The Seventh Judicial Circuit serves Volusia, Flagler, Putnam, and St. Johns counties, and it handles foreclosure cases for Volusia County homeowners. In foreclosure cases on homestead residences, the circuit refers the case to a Residential Mortgage Foreclosure Mediation program, giving borrowers a chance to meet with the lender's representative before a final hearing. The circuit's Self-Help program assists people representing themselves with court forms and instructions.

Seventh Judicial Circuit Court of Florida (circuit7.org)

Volusia County Property Appraiser

The Volusia 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.

123 West Indiana Avenue, Room 102, DeLand, FL 32720

Phone: (386) 736-5901

Volusia County Property Appraiser (vcpa.vcgov.org)

Volusia County Tax Collector

If you have unpaid property taxes or want to plan for your tax bill, the Volusia County Tax Collector handles property tax billing and collections. Florida law (Section 197.222, Florida Statutes) allows an installment payment plan, where you pre-pay quarterly installments due in June, September, December, and March. Delinquent taxes become due April 1, and tax certificates are sold on or before June 1 if a bill remains unpaid, so acting early here can help you avoid tax certificate sales and extra fees.

123 West Indiana Avenue, Room 103, DeLand, FL 32720

Phone: (386) 736-5938

Volusia County Tax Collector (vctaxcollector.org)

Volusia County Community Assistance Division

Volusia County's Community Assistance Division, within Community Services, administers homeowner assistance programs, including Owner-Occupied Housing Rehabilitation loans for health and safety repairs, Emergency Repair loans, Wind Hazard Mitigation to harden homes against storms, and Homebuyer Assistance for down payment and closing costs. Programs and funding change frequently, income eligibility and owner-occupancy rules vary by program, and applicants typically complete a phone pre-screen. Call to confirm what is currently open.

123 West Indiana Avenue, DeLand, FL 32720

Phone: (386) 736-5955

Volusia County Community Assistance: Housing programs

Volusia County Affordable Housing Programs

Community Legal Services of Mid-Florida

Community Legal Services of Mid-Florida (CLSMF) provides free or low-cost legal help to income-qualified residents of Volusia County, including foreclosure defense, mortgage scam issues, and housing matters. Its Daytona Beach office serves Volusia and Brevard counties by appointment. Call the Legal Helpline at (800) 405-1417 or apply online. Their website and helpline operate in English; interpreter services are commonly arranged case by case.

Daytona Beach office: 1440 North Nova Road, Suite 101, Daytona Beach, FL 32117

Phone: (386) 255-6573

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 Volusia 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 Volusia County?

Foreclosure cases are filed with the Volusia County Clerk of Courts. You can look up case information through the clerk's online records at clerk.org, or contact the clerk at (386) 736-5915. The clerk also lists upcoming judicial sales on its website.

Are there specific assistance programs for Volusia County homeowners?

Programs change frequently. Contact the Volusia County Community Assistance Division at (386) 736-5955, 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 Volusia 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 Volusia County Property Appraiser at vcpa.vcgov.org. Paying your property tax bill is handled by the Volusia County Tax Collector at vctaxcollector.org. Both offices can explain deadlines and payment options, including the quarterly installment plan.

How do coastal insurance costs affect homeowners in Volusia County?

Homeowners in coastal areas such as Daytona Beach, New Smyrna Beach, and Ormond Beach can face significantly higher windstorm and flood insurance premiums. If you are struggling to pay insurance, ask your mortgage servicer about options and consider a wind-mitigation inspection, which may qualify you for a discount.

Learn More About Your Options

Explore these guides to understand the specific options available to Volusia 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 Volusia County Home

How Tyler Can Help in Volusia County

Tyler Gibson has experience working with homeowners throughout Central Florida, including Volusia 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.