Osceola County Pre-Foreclosures

22 foreclosure cases in Osceola County, Florida first published a notice in the last 30 days, and 198 in the last 90. We hold 198 case records from the county in all, each one a suit filed before any sale has been set. It ranks 6th of 57 Florida counties by new cases.

Foreclosure suits in Osceola County are filed in the Circuit Court of the Ninth Judicial Circuit in and for Osceola County, Florida. When a lender sues, it records a lis pendens in the county's official records, and an owner who cannot be served in person is served by a published notice of action. Each case here is built from those published notices: the case number, the lender, the owners named and their last known addresses, and the property. Search the county by owner, lender, street or case number; the court file itself is kept by the clerk.

Mostly: 80% of the Osceola County cases we hold are mortgage foreclosures brought by a lender or servicer, and 38 cases are an association's or other lien foreclosure. Each record says which.

In a Florida foreclosure, a notice of action gives the owner 30 days from its first publication to serve written defenses on the lender's attorney (Fla. Stat. 49.09), and each record carries the date the notice prints. 3 owners in Osceola County have that date in the next 7 days. The date to answer does not set a sale: a judicial foreclosure goes on to a judgment first, and only then can a sale be set.

15 cases in Osceola County name the unknown heirs or the estate of an owner who has died. Those are often the most open to a sale: the heirs may not want the house or the debt, and they decide together, sometimes through a probate court.

30% of Osceola County cases give at least one owner's last known mailing address, and 38% print the property's street address; the rest describe the land by its legal description, which the record keeps with the parcel ID where printed. Both open with an account, and a field the notice did not print is left out rather than guessed.