--- title: Are Foreclosures on the Rise in Florida and What Does It Mean for Buyers? description: Foreclosure filings rose 18% year-over-year in August 2025, with Florida in the top 3. What’s driving the increase, and what it means for today’s buyers. image: https://www.wendymontroy.com/hubfs/Foreclosures.png --- [Skip to content](https://www.wendymontroy.com/blog/are-foreclosures-on-the-rise-in-florida-and-what-does-it-mean-for-buyers#main-content) ![Worth Clark Realty Logo](https://www.wendymontroy.com/hs-fs/hubfs/WCR%20Stacked%20Black.png?width=3936&height=2039&name=WCR%20Stacked%20Black.png)Homepage - [Home](https://www.wendymontroy.com) [Email Me](mailto:floridawendymontroy@gmail.com) - [Home](https://www.wendymontroy.com) [Email Me](mailto:floridawendymontroy@gmail.com) ![Florida single-story home with palm tree and for sale sign, representing 2025 foreclosure market trends.](https://www.wendymontroy.com/hs-fs/hubfs/Foreclosures.png?width=1536&height=1024&name=Foreclosures.png) First Time Home Buyer Housing Trends Foreclosure # Are Foreclosures on the Rise in Florida and What Does It Mean for Buyers? ![Wendy Montroy, REALTOR®, SRS®, SFR®](https://app.hubspot.com/settings/avatar/a8d8fc9cf48d62377a68b4cfe5a0d5c9) Wendy Montroy, REALTOR®, SRS®, SFR® October 7, 2025 According to the ATTOM August 2025 Foreclosure Market Report, foreclosure activity across the U.S. declined slightly month-over-month but remains higher than last year,  a sign that some markets are feeling renewed pressure. - **Total filings:** 35,697 properties (default notices, scheduled auctions, or bank repossessions) - **Month-over-month:** Down 1.1% from July 2025 - **Year-over-year:** Up 18.1% from August 2024 - **National rate:** 1 in every 3,987 housing units received a foreclosure filing - **Top states:** Nevada, South Carolina, and Florida had the highest rates (*Source: ATTOM Data Solutions, August 2025*) CBS News summarized the same report, noting that Florida ranked among the top five states, with roughly one in every 2,512 homes receiving a foreclosure filing. While activity is up, levels remain *below pre-pandemic averages.* (*Source: CBS News, September 12, 2025*) ### **What’s Behind the Rise** The increase in filings doesn’t point to a housing crash; rather, it reflects market normalization after years of historically low foreclosure levels. As pandemic-era protections ended and homeowners faced higher insurance premiums, property taxes, and overall living costs, some have begun to struggle with affordability. Florida, in particular, has seen costs outpace wages in several regions, and those pressures are showing up first in delinquency and default data. ### **What This Means for Buyers** For buyers, a rise in foreclosures doesn’t necessarily mean a flood of discounted homes , at least not yet. Most filings are early-stage and may never reach the MLS. However, this shift can influence the market in a few ways: - **More variety and opportunity ahead:** Over time, a modest increase in distressed inventory could open doors for buyers who were priced out earlier. - **Slight easing of competition:** If traditional sellers sense more listings coming, we may see fewer bidding wars and more balanced negotiations. - **Caution still required:** Foreclosed and bank-owned homes often come “as-is” and may require additional due diligence, from title checks to repair budgets. ### **The Takeaway** Yes, foreclosure activity is rising again, up 18% compared to this time last year, but Florida’s housing market remains strong and far more stable than during the 2008 crisis. For buyers, this is a reminder to stay informed, stay pre-approved, and stay patient. If you’d like to be notified when bank-owned or distressed homes become available in Marion, Lake, or Sumter Counties, reach out. I can help you track new listings and evaluate which opportunities make the most sense for your goals. ## Share this post [mailto:https%3A%2F%2Fwww.wendymontroy.com%2Fblog%2Fare-foreclosures-on-the-rise-in-florida-and-what-does-it-mean-for-buyers](mailto:https%3A%2F%2Fwww.wendymontroy.com%2Fblog%2Fare-foreclosures-on-the-rise-in-florida-and-what-does-it-mean-for-buyers) ## Keep reading ### [![The Villages Florida Golf Course](https://www.wendymontroy.com/hs-fs/hubfs/IMG_6236-1.jpeg?width=1920&height=1440&name=IMG_6236-1.jpeg) The Villages Real Estate Buying in The Villages The Villages Amenities The Villages Monthly Amenity Fee: An Overview for Future Homeowners](https://www.wendymontroy.com/blog/the-villages-monthly-amenity-fee-an-overview-for-future-homeowners) ### [![Florida residential home with neatly organized moving boxes visible inside, representing an inherited property being sold by an out-of-state owner](https://www.wendymontroy.com/hs-fs/hubfs/The%20Villages%20REALTOR%20Out%20of%20State%20Seller%202.jpg?width=1024&height=576&name=The%20Villages%20REALTOR%20Out%20of%20State%20Seller%202.jpg) Real Estate Tips Selling Your Home Probate in Florida Selling an Inherited Home in Florida When You Don’t Live Here](https://www.wendymontroy.com/blog/selling-an-inherited-home-in-florida-when-you-dont-live-here) --- Privacy Policy · Legal · © 2025 Wendy Montroy, Worth Clark Realty. All rights reserved. **Wendy Montroy, REALTOR®  SRS®, SFR®** Worth Clark Realty – Florida Licensed Real Estate Brokerage Florida License #: SL3631400 Phone: [352-721-6111](tel:13527216111)  |  Email: [floridawendymontroy@gmail.com](mailto:floridawendymontroy@gmail.com) Worth Clark Realty is a licensed real estate brokerage. Not affiliated with or endorsed by The Villages® community or its affiliated companies. All information is deemed reliable but not guaranteed and is subject to change. 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