Lathrop Rd Gloversville, NY 12078
- 3 bed,
- 2 full bath,
- 1,320 sqft
- Single-Family Home
Home Details for Lathrop Rd
- Listing Date: 06/25/13
Pre-Foreclosure (Notice of Default or Lis Pendens):
Pre-foreclosure (NOD or LIS) is the first stage in the foreclosure process that begins when a homeowner receives a default notice for missing one or more mortgage payments. Owners in default can stop the foreclosure process by paying the past-due payments or by paying off the entire loan balance — usually by refinancing or by selling the property. They can also avoid foreclosure by selling before the auction — this may have to be a short sale if the homeowner owes more than the property is worth. Homeowners in pre-foreclosure are usually motivated sellers who want to avoid losing their property at a public foreclosure auction.
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Auction (Notice of Trustee Sale or Notice of Foreclosure Sale):
A public foreclosure auction (NTS, NFS) occurs when a homeowner in default does not stop foreclosure proceedings during the pre-foreclosure period. Properties are typically auctioned off in a public location — such as a local county courthouse — by an attorney or local public official. Auctions can present opportunities to buy properties below market value, but usually don't allow for property inspections and often require that buyers pay in cash — typically in the form of cashiers checks. Up until the auction occurs, however, buyers may still have an opportunity to buy directly from the homeowner in default via short sale or regular sale.
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Bank Owned (REO):
A property becomes a full-fledged foreclosure — sometimes referred to as a Real Estate Owned (REO) property — when it is repossessed by the foreclosing lender. The lender can take possession either through a deed-in-lieu-of foreclosure agreement with the owner during the pre-foreclosure period or through a winning bid at the public foreclosure auction. Foreclosing lenders are often motivated to sell these properties quickly because they are non-performing assets for their bottom line. Of the three stages of foreclosure, REOs are most likely to also be listed for sale with a real estate agent on the MLS, but not all REOs are listed yet — meaning buyers may have to contact the lender or servicer directly to make an offer.
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Schools near Lathrop Rd
Type GreatSchools Rating Distance Summary Score: Exceeds Standard (8/10) Summary Score: Meets Standard (6/10) Summary Score: Meets Standard (6/10) Schools in Mayfield Central School District View Homes No public schools where found for this property and grade level. Mayfield Junior/senior High School View Homes Public 6 2.1 mi Mayfield Elementary School View Homes Public 8 2.6 mi Private Schools No private schools where found for this property and grade level. St. Mary's Institute View Homes Catholic - 10.0 mi Perth Bible Christian Academy View Homes Private - 10.2 mi Shady Lane School View Homes Private - 15.2 mi Meadow Brook View Homes Private - 19.1 mi Cornerstone Christian Academy View Homes Private - 22.3 mi St. Mary's Institute View Homes Catholic - 10.0 mi Shady Lane School View Homes Private - 15.2 mi Meadow Brook View Homes Private - 19.1 mi Stone Arabia School View Homes Private - 19.4 mi Oak Hill School View Homes Private - 20.5 mi Perth Bible Christian Academy View Homes Private - 10.2 mi Ketchum-grande School View Homes Private - 19.4 mi Mekeel Christian Academy View Homes Private - 22.1 mi Cornerstone Christian Academy View Homes Private - 22.3 mi Faith Bible Academy View Homes Private - 23.0 mi
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