Most of the information can be found by your Real Estate Agent. Realty Trac is a tool that if you are looking for pre foreclosures or trustee sale information may be helpful if you are an investor or real estate agent working for an investor , for someone looking for a home for themselves probably not very helpful.
The Realty trac data is showing you the default amount which has no relevance to the amount the bank will sell for at the trustee sale or after a foreclosure.
As real estate agents we have access to programs that will pull up foreclosure info to pass on to our clients.
To learn more attend a Trustee sale, which can be interesting too, look in the newspaper for Notice of Trustee sales it will show you time and place.