Monmouth County Sheriff's Office, Foreclosure Sales
2500 Kozloski Road, Freehold, NJ 07728
(732) 431-6400
Sales are held at the Public Safety Center. A non-emergency line is (732) 577-8700.
Official pageMonmouth County guide · Foreclosure & sheriff sale
Facing Foreclosure in Monmouth County: Freehold Sheriff Sale and Mediation Guide
In Monmouth County, sheriff sales are held on Mondays, every other week, at the Public Safety Center on Kozloski Road in Freehold. The Sheriff's website explains the rules in plain terms and says a sale can be adjourned, settled, cancelled or stopped by bankruptcy at any time. This page walks through the state steps, the local rules and your options.
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Owners here include inland commuters in Freehold or Middletown, and shore owners in Long Branch, Asbury Park and Neptune where insurance, flood exposure and carrying costs are high. A mortgage plus those costs can fall behind quickly. This is general information, not legal advice. A housing counselor or real estate attorney should review your papers.
Step by step in Monmouth County
- 1
Act on the Notice of Intent
New Jersey Courts says a borrower has 30 days from receiving the Notice of Intent to pay off the debt or arrange an alternative. Record the arrival date. Call a counselor early so the lender sees a complete application.
- 2
Answer the complaint in 35 days
When the lender sues, the case gets a docket number and you have 35 days to answer. A missed answer lets the lender request default. Consider an attorney or legal aid. Foreclosure rules are strict.
- 3
Ask about mediation within 60 days
Free foreclosure mediation is available. The request is due within 60 days of service of the summons and complaint. The home must be your primary residence of one to four units, every borrower must join, and bankruptcy bars it. Counselor help starts at NJHMFA, 609-278-7508.
- 4
Do not expect mediation to stop the sale
The court form says mediation does not stop the foreclosure case. It can lead to a modification, but the lender can keep going. Keep every date on your calendar.
- 5
Count the 150 days
After a final judgment, a writ of execution is issued. The sheriff has 150 days from that writ to auction the property. Each side may request two stays to delay the sale.
- 6
Read the Freehold sale rules
The opening bid is $1,000 and bids rise by $1,000. The winning bidder pays 20% right away, in cash up to $1,000 or by certified check, and the balance within 30 days. Interest accrues after 10 days. The county says the office will not recognize a right of refusal except for homeowners in the Community Wealth Preservation Program.
- 7
Check the status and the redemption window
The updated list is on view at the Public Safety Building weekdays from 8:30 AM to 4:30 PM and online at salesweb.civilview.com/Sales/SalesSearch?countyId=8. After a sale, the owner can redeem for up to 10 days. Get a written payoff before any sale decision.
Typical timeline
| Stage | Typical time |
|---|---|
| Notice of Intent to Foreclose | 30 days from receipt |
| Answer to the complaint | 35 days |
| Mediation request | Up to 60 days after service of the summons and complaint |
| Sheriff sale after the writ of execution | Sheriff has 150 days to auction; two stays each |
| Winning bidder's balance | 30 days, with interest after 10 days |
| Kaizen cash offer and closing | Offer in 24 hours; close in 14 to 30 days or on your date |
Monmouth County offices you may deal with
NJ Superior Court Clerk's Office, Office of Foreclosure
609-421-6100
Statewide mediation requests are mailed to Attn: Foreclosure Mediation, P.O. Box 971, Trenton, NJ.
Official pageYour selling options
The right option turns on equity and time. Mediation can produce a loan modification or deed in lieu. A repayment plan may work if the arrears are small. A listing can bring the best price for a house in good shape. Shore homes that need elevation work or repairs often take longer to sell retail.
Kaizen can make an as-is cash offer within 24 hours. There is no agent commission and no repair list, and closing can be in 14 to 30 days or on your date. A shore house with flood or elevation problems is priced as it stands. We cannot stop or delay a Freehold sale; the plaintiff's attorney, the sheriff or the court has that power. Call 267-329-0084.
Monmouth County foreclosure questions
When are Monmouth County sheriff sales?
Every other Monday at 1:00 p.m., or Tuesday at the same time if Monday is a holiday. They are held at 2500 Kozloski Road, Freehold. Call (732) 431-6400 to confirm.
What happens at a Monmouth sale?
The plaintiff's attorney opens at $1,000, and bidding rises in $1,000 steps. The winner pays 20% as a deposit, in cash up to $1,000 or by certified check. The balance is due within 30 days.
Can a Monmouth sheriff sale be canceled?
The Sheriff's page says a sale can be adjourned, settled, cancelled or stopped by bankruptcy at any time. Check the status before assuming a date will hold, and rely on your attorney, the plaintiff's attorney or the court.
Can I redeem the house after the sale?
The county says the owner can redeem up to 10 days after the sale. The Courts' guide gives the same 10-day period. Talk to an attorney right away if a sale has taken place.
Does Kaizen buy Monmouth County houses in foreclosure?
We do make as-is cash offers on Monmouth County homes, including shore properties with flood issues. Closing can be 14 to 30 days out or on your date, with no repairs and no agent commission. Timing against a Freehold sale depends on the lender, the payoff and the docket, none of which we control.
Related Monmouth County pages
Sell your house fast in Monmouth CountyHow to Sell an Inherited House in Monmouth County (Probate Guide)What is an Act 91 notice in Pennsylvania and what should I do when I get one?How long does foreclosure take in Pennsylvania?How much notice do I get before a sheriff sale in Pennsylvania?Can I sell my house after a sheriff sale is scheduled in Pennsylvania?Can I stop a sheriff sale in Philadelphia?What is HEMAP and who qualifies in Pennsylvania?Facing Foreclosure in Berks County, PA: Online Sheriff Sale GuideFacing Foreclosure in Lackawanna County, PA: Sheriff Sale GuideFacing Foreclosure in Lehigh County, PA: Options Before a Sheriff SaleFacing Foreclosure in Luzerne County, PA: Sheriff Sale GuideFacing Foreclosure in Northampton County, PA: Sheriff Sale GuideFacing Foreclosure in New Castle County, Delaware: Mediation and Sheriff Sale GuideFacing Foreclosure in Kent County, Delaware: Mediation and Sheriff Sale GuideFacing Foreclosure in Sussex County, Delaware: Mediation and Sheriff Sale GuideFacing Foreclosure in Atlantic County, NJ: Court Steps, Mediation and Sheriff SaleBergen County, NJ Foreclosure Guide: Court Timeline and Sheriff Sale RulesBurlington County, NJ Foreclosure: Timeline, Adjournments and Your OptionsCamden County, NJ Foreclosure: Wednesday Sheriff Sales and Your OptionsCape May County, NJ Foreclosure Guide: Seasonal Homes, Court Steps and OptionsCumberland County, NJ Foreclosure: Court Steps, Mediation and Selling OptionsEssex County, NJ Foreclosure Guide: Multifamily Owners, Mediation and OptionsFacing Foreclosure in Gloucester County: Sheriff Sale and Mediation GuideFacing Foreclosure in Hudson County: Sheriff Sale and Mediation GuideFacing Foreclosure in Hunterdon County: Flemington Sheriff Sale GuideFacing Foreclosure in Mercer County: Trenton Sheriff Sale and Mediation GuideFacing Foreclosure in Middlesex County: Sheriff Sale and Mediation GuideFacing Foreclosure in Morris County: Morristown Sheriff Sale and Mediation GuideForeclosure in Ocean County, NJ: Options Before the Sheriff's SaleForeclosure in Passaic County, NJ: Options Before the Sheriff's SaleForeclosure in Salem County, NJ: Options Before the Sheriff's SaleForeclosure in Somerset County, NJ: Options Before the Sheriff's SaleForeclosure in Sussex County, NJ: Options Before the Sheriff's SaleForeclosure in Union County, NJ: Options Before the Sheriff's SaleForeclosure in Warren County, NJ: Options Before the Sheriff's SaleFacing Foreclosure in Philadelphia County: Diversion Program and Sheriff Sale GuideFacing Foreclosure in Delaware County, PA: Sheriff Sale GuideFacing Foreclosure in Montgomery County, PA: Online Sheriff Sale GuideFacing Foreclosure in Bucks County, PA: Sheriff Sale GuideFacing Foreclosure in Chester County, PA: Sheriff Sale Guide
Sources
General information, not legal or tax advice. Rules change; confirm details with the office or a professional.
- County market notes (Monmouth County) (Kaizen Home Buyers, 2026-07-15)
- Kaizen process steps (Kaizen Home Buyers, 2026-10-23)
- Foreclosure Sales (Monmouth County Sheriff's Office, undated page)
- Foreclosure in New Jersey (New Jersey Courts, Superior Court Clerk's Office, undated page)
- Foreclosure Self-Help (New Jersey Courts, undated page)
- How to Apply for Foreclosure Mediation (CN 11270) (New Jersey Courts, revised 09/01/2021)
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