Alma is on the mark with her response.....additionally, there are numerous existing foreclosures in North Port that are probably very similar to the home in question. We find that many of the foreclosed homes in the area are 3/2/2, 2002-2008 construction, septic & well homes in the price range of $60,000- $90,000.
If you have been "on the fence" waiting for the right time to buy in this area, it is important to note that distressed home availability is beginning to decrease in this area and the "cherry picking days" may be behind us.
Waiting any longer may cost you more money and limit your choices greatly.
Michael Saunders & Company
Otherwise you have to pay "retail" or show up at the courthouse with ALL CASH and take the risks of condition problems, title issues and liens that survive the foreclosure when the lender auctions it at the foreclosure sale. Some lenders will allow a sale below their final judgement amount. Again you must pay ALL CASH within 24 hours or less so if you're not an ALL CASH buyer this is not an option for you.
Bank Asset Managers will eventually list a property for sale and the more prudent ones will require a minimum 7 day exposure on the market to ensure they sell for the maximum price.
If NCUA is a credit union, you may be able to contact them directly but they would be foolish not to list a property on the open market for all buyers to bid...
All the best,