Home Buying in Tampa>Question Details

Tina, Both Buyer and Seller in Davenport, FL

How to find homes under foreclosures in Florida?

Asked by Tina, Davenport, FL Mon Apr 21, 2014

How do I get a list of foreclosures in homes in Florida, that does not require a fee. I know some banks has it on their listing. However, is their a one stop place on the web to look at everything all at once. Will it be hard to buy a foreclosure homes?

Help the community by answering this question:


The only One Stop Shopping you can do for Foreclosed houses is with a REALTOR. The MLS has filters for foreclosed houses that are Bank Owned (REO). Only Realtors can help you buy a foreclosed house. Banks try to let the public know houses are available but they all MUST list with agents
0 votes Thank Flag Link Thu May 8, 2014
Because of Florida Law, while you can buy foreclsoures at the courthouse it is a bad idea to try because the bank will outbid you, they don't want to loose their pants too, they already lost their shirts
Flag Thu May 8, 2014
If you are interested in having a shortsale financed. Many homes meet this criteria and a real estate agent can show you these particular properties. I'm a loan officer that specializes in Homepath financing. This financing allows minimal down without MI. Please let me know if I can assist you in any way.
Warm Regards,
Stephanie Adams
Senior Loan Officer | NMLS# 1001484
4101 W. Boyscout Blvd. Suite 600, Tampa, FL 33607
Direct 813-316-2172 | Fax 877-813-7519 | Toll Free 800-930-7334 Ext. 1477
0 votes Thank Flag Link Thu May 8, 2014
There is no "one stop place" on the web to find ALL homes in foreclosure in the entire state that doesn't charge a fee that I know of. Foreclosures are filed with the county in which the property is located. If you have a specific area in FL you are looking to purchase in consult with a real estate professional in that area to assist you.
0 votes Thank Flag Link Sat May 3, 2014
Dear Tina,

Foreclosures in Florida can be purchased with ALL CASH and without a clear title via the online foreclosure website provided by the County Clerk. This is a high risk way to buy a foreclosure and you will need to do a lot of work before bidding. You will not have the opportunity to inspect and will have to pay a title company and/or an attorney to verify which liens will survive the foreclosure sale. Also you may have to factor in legal costs to evict an owner/tenant, too. Also you cannot tresspass on the property to try to get an idea of the condition. We have a Stand Your Ground gun law so it's pretty risky to enter a pre-foreclosure's property!

If you are not willing to take the risk and/or are not able to buy with ALL CASH then you will need to buy "retail" and line up with the other "retail" buyers.

You cannot buy a foreclosure directly from the bank. If you had a multimillion dollar investment you may be able to bid on a pool of properties with the lender but buying one property, not possible.

Once a house is foreclosed, the asset manager for the bank will list the property with a local Realtor and most properties will get multiple offers within hours of being listed. Typically you will be given 24 hours to submit your "highest and best" offer. There are a few innovative foreclosure auction websites that will provide full disclosure of the bids and have an online auction. Hubzu is one that offers a typical commission to a Realtor so Realtors will assist you with showing and doing research on the property before you bid. Your Realtor can also submit your bid. A few of the other auction websites will not offer a genuine commission to a Realtor so expect to "go it alone" or pay the Realtor from your own pocket.

Pre-foreclosure, Short Sales are another type of property and these will also attract multiple offers with many all cash from investors--unless it is older and doesn't fit the typical investor search criteria. On Short Sales you need to be aware that oftentimes there is an unrealistically low "list" price that has not been approved. Once the lender approves the short sale the "real" price will be known. Some short sale sellers will strip the house of appliances, light fixtures, even Air Conditioning units. Some Sellers also work with an attorney or negotiator that may require a large sum of money to be paid by a Buyer at closing - $2k is not uncommon, I've seen $5k and as high as $15k.

We work with Cash investors and some non-cash investors. You're welcome to search "like a Realtor" by signing up for a free Listingbook account:


All the best,
Alma Rose Kee, PA
Future Home Realty
0 votes Thank Flag Link Thu Apr 24, 2014
Floridamoves.com has a great search engine for foreclosures. Please contact me if you need further assistance - Amy Moran 813-440-5922
0 votes Thank Flag Link Thu Apr 24, 2014
Email a local agent in the area you want to buy. I'd be happy to send you information on anything in Miami, Broward, or Palm Beach Counties.
0 votes Thank Flag Link Mon Apr 21, 2014
Hi Tina,

Are you looking to buy a foreclosure home? If so, you should consult a real estate agent. If you tell them exactly what you are looking for in a foreclosure home they will then send you a list. I believe this will be your best and most accurate source of the homes you are looking for.

Best of luck to you.


Randy Tanner
RE/MAX Direct
0 votes Thank Flag Link Mon Apr 21, 2014
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