Government Technology

Miami-Dade County Deploys Online Foreclosure Auction

Miami-Dade County Online Foreclosures/Illustration by Tom McKeith
Miami-Dade County Online Foreclosures

February 8, 2010 By

The rash of foreclosures in 2009 created a desperate situation for county clerks required to process the resulting foreclosed home auctions. Miami-Dade County, Fla., is an example. In years past, the county typically processed 5,000 to 6,000 foreclosures annually. During 2009, by comparison, the county handled nearly 20 times that amount, said Harvey Ruvin, clerk of the Circuit and County Court of Miami-Dade County. In December 2009, the county tackled the workload by deploying, a Web site powered by, on which citizens could purchase foreclosed homes online instead of visiting the courthouse. The Web tool also automated several administrative steps in the foreclosure auction process.

With the new system, Ruvin expects to triple the number of auctions he can process per week, finally clearing the backlog that has plagued his office. Here's how Miami-Dade executed this strategy.

Clearing Out of the Courthouse

These days, the county gets roughly 7,000 foreclosures to auction every month. In the past, bottlenecks resulted from conducting physical auctions at the courthouse. Before deploying the online system, the clerk could only manage to auction foreclosed homes three days a week. That expanded to five days a week with the online auction. The first online auction was held in January.

"We were doing around 750 per week," Ruvin said in December. "That ought to be at least doubled, and maybe tripled, once we get going with our five-day-a-week auctions online."

Holding auctions online also eliminates much of the buyer chicanery that Ruvin battled with onsite auctions. For example, experienced foreclosure buyers frequently prey upon newcomers, confusing them about the process so they don't place competing bids. Fights often erupted, which required Ruvin to pay for extra security staff and run surveillance cameras to maintain order. The incidents also consumed valuable time for senior staff, who had to review security footage to make judgments about the way altercations were handled by onsite staff.

"Sometimes there are objections to sales from attorneys and you have to look at the video to determine what happened," said Shirley Shabazz, civil division chief of the county Clerk's Office.

Ruvin said the online auction would eliminate 23,000 hours of labor annually, translating to roughly $250,000 in savings each year. He said the online system came in the nick of time because county staff resources are scarce. In late 2009, the clerk was forced to implement an 18 percent budget cut, resulting in 150 layoffs.

"It's coming at a time when our workload is spiking and there is a real demand to get these cases moving," Ruvin said. "A lot of these homes are abandoned in neighborhoods where they become centers of crime and other things that blight those communities."

No longer holding auctions at the courthouse lets those employees be redeployed to other projects, according to Shabazz. In addition to security and surveillance staff, the county paid an auctioneer, two cashiers and a few other employees to keep auctions running smoothly. Now those employees can do other tasks.

"They may be redirected to other areas of the foreclosure sales process. They could be helping with the notices of sales. They could help with the titles we process," Shabazz said.

Back-Office Bottleneck Gone

Converting foreclosure auctions to the online system eliminated a back-office hassle that nearly debilitated foreclosure processing. Hundreds of foreclosure judgments are made at the court each day. Before the foreclosed home can be auctioned, a notice of sale must be generated by the clerk's office. These were stored in hard copy form at a building near the courthouse, which potential buyers had to visit to peruse the upcoming purchasing opportunities. Now anyone can view this information on the Web. Before the online system, it took three to five days for the clerk's office to generate one day's worth of foreclosure judgments. Now it takes

| More


thomas O Neill    |    Commented April 9, 2011

In the age of transparency the party selling the property on line selling a property should be responsible for getting title. I dont know how many bidders on a property, lets say 100 who have to pay $100 each rather than the seller paying $100. Read in Miami Herald about a doctor who was taken by a second mortgage he was unware. The comments of the industry experts were buyer beware, he should have gotten a title. The auction system was implemented for greater efficiency and to open up the pool of properties to the general public. There is no excuse for selling a property with liabilities undisclosed. Miami- Dade and the auction companies need to clean this process up and should accept some responsibility- buyer beware is not enough. Although i am registered I have never participated in this process as the system has too many weaknesses- too easy to be screwed.

ashly    |    Commented January 27, 2014

Thanks for the information about the auctions very helpful.

janessica n    |    Commented March 4, 2014

Thank you! This is very interesting and useful information.

America    |    Commented July 17, 2014

Thank you for this information!

Add Your Comment

You are solely responsible for the content of your comments. We reserve the right to remove comments that are considered profane, vulgar, obscene, factually inaccurate, off-topic, or considered a personal attack.

In Our Library

White Papers | Exclusives Reports | Webinar Archives | Best Practices and Case Studies
Redefining Citizen Engagement in a Mobile-First World
Today’s consumers are embracing the ease and convenience of anytime, anywhere access to the Internet from their mobile devices. In order for government and public sector organizations to fully engage with their citizens and provide similar service quality as their consumer counterparts, the time is now to shift to mobile citizen engagement. Learn more
McAfee Enterprise Security Manager and Threat Intelligence Exchange
As a part of the Intel® Security product offering, McAfee® Enterprise Security Manager and McAfee Threat Intelligence Exchange work together to provide organizations with exactly what they need to fight advanced threats. You get the situational awareness, actionable intelligence, and instantaneous speed to immediately identify, respond to, and proactively neutralize threats in just milliseconds.
Better security. Better government.
Powering security at all levels of government with simpler, more connected IT.
View All

Featured Papers