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Foreclosure in Saint Augustine : Real Estate Advice

  • All517
  • Local Info39
  • Home Buying156
  • Home Selling12
  • Market Conditions45

Activity 13
Sun Jul 19, 2015
Josh Barnett answered:
depends on the loan, call your loan officer, they should have already gone over this with you.
0 votes 25 answers Share Flag
Thu Jul 16, 2015
Ruth and Perry Mistry answered:
Sometimes you can, either the bank or their agent is a doing an open house.

Visit the property with your agent.
0 votes 2 answers Share Flag
Thu Jul 16, 2015
Ruth and Perry Mistry answered:
You can start the process ASAP.
Being able to get a HELOC will depend on appraisal and your ability to pay it down

Good luck
0 votes 1 answer Share Flag
Thu Apr 16, 2015
Annette Lawrence answered:
Flood insurance increases in FL at this time are capped at 25% annual.

One correct answer would be 25%.

However, you would be well advised to chat with a Saint Augustine REALTOR to get an understanding of longer term issues. ... more
0 votes 1 answer Share Flag
Mon Jan 13, 2014
Julia Almstead answered:
It may have been 3121 Green Acres Rd. St. Augustine, FL 32084. It recently sold for $96k. It closed on 12/27/13. I'm familiar with the property. Should you have any questions, please feel free to contact me. 904-460-8664. If you are searching for a new home, please visit to start your search. My email:

I hope this helps!

Julia Almstead, Realtor
Prudential Network Realty
... more
0 votes 2 answers Share Flag
Sun May 19, 2013
Luann Allen answered:
The management company has the right to charge for any work that it does, and that includes answering a foreclosure motion. HOwever, truth be told, if your house is really in foreclosure and you are going to lose it, there is not much they can do if you don't pay it. I never suggest that you jeapordize the association by not paying your fees, but this is an additional charge that is not part of the budget, and is probably between you and the management company, not you and the association. ... more
0 votes 1 answer Share Flag
Sat Jan 15, 2011
Alma Kee answered:
Wow! What a disaster... sounds like you didn't have an attorney representing you in your divorce or he would have required your ex-wife to get you off of the mortgage by selling or refinancing.

You absolutely need competent legal representation to reverse everything. Hopefully you will be able to get your military clearance back. Your attorney can help with getting the Deed in Lieu accepted by WF.

Contact the Florida Bar Association and they may be able to find an attorney to work on your behalf pro bono (free).

Wish you the best of luck in this difficult situation.
... more
0 votes 5 answers Share Flag
Sun Jan 9, 2011
Mike Vazquez answered:
Start contacting every REO (foreclosure) listing agent in town. A lot of them will ignore you at first because they're likely extremely busy, but keep letting them know you're around and when their current guy gets sick or drops the ball you'll get your shot. Also, google bank lists or asset mgr lists and hit up all of those folks. A lot of them are tech based and you'll likely need to register on their websites. Price low to get the business and raise prices over time always seems to work. As you get busy you can start to demand a little more money. Good Luck! ... more
0 votes 5 answers Share Flag
Thu Nov 4, 2010
Kevin Farrell answered:
Jim G,
Sorry I haven't been to this blog in a while but to answer your question, Villa San Marco is probably one of the best kept secrets in St. Augustine. The Physical Therapy school is about a mile away and the students make up about 70-80% of the tenants. My 2-bed - 2-bath gets $900/month. The units sell quickly so you have to stay alert.

The foreclosure debacle is messing things up but if you are looking to invest be patient. Call Janaye Lowe of Century 21 St. Augustine Properties for an honest, sincere and hardworking agent if you need ssistance at (904) 806-2115.

Good Luck
... more
0 votes 4 answers Share Flag
Tue Oct 5, 2010
Carli Parrish answered:
Hi Boss,

I would be very happy to assist you in finding similar properties, contact me directly at 813-361-7001.

0 votes 3 answers Share Flag
Fri Sep 24, 2010
Alma Kee answered:
Hi Sonia,

You may want to go to the DC area of Trulia. You posted this in Florida.

0 votes 1 answer Share Flag
Sun Feb 28, 2010
Hannah Fliegel answered:
Hi Scott,

Typically in Florida the lenders foreclose by judicial foreclosure. Was there a Lis Pendis filed in the courts? If so, then at the time the lender foreclosed through the courts they obtained a judgment against you. With this judgment they have some remedies for the money they are owed from you.
Here is a list of things that they can do.

Place liens on assets you have
Garnish wages
Place a lien on your name if you have no assets.

What can you do?
You can negotiate a settlement with the lender or collection agency
You can file a bk if you qualify to shake the debt

There is a statue of limitations in your state. I think it's 5-7 years, check with the courts. Many folks laugh at the fact that their is a deficiency judgment against them because they say they have no assets. Once the creditor begins to garnish wages then the laughing stops. The creditor has years to go after you for assets until their statute of limitations expires. This is why a bk strategy is so popular in your state of Florida.

Good luck!

Hannah Fliegel
... more
0 votes 6 answers Share Flag
Sat Apr 12, 2008
Sharon Stevens and Dwight Cole answered:
If you want to look for foreclosure and pre-foreclosure homes in the area and do not want to pay to joint RealtyTrac or similar sites, you can visit my website. I have a section for a FORECLOSURE SEARCH which I update on a weekly basis with new foreclosure and pre-foreclosure properties in St. Augustine, St. Johns County, and Jacksonville areas. Be warned, though, that purchasing pre-foreclosure properties can be a lengthy process. Some banks are taking anywhere from 4-12 weeks to approve short sales! The process is usually much quicker and easier purchased properties that have already been foreclosures upon. ... more
0 votes 4 answers Share Flag
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