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Since January 1, 2010, there have been 499 foreclosure actions; 304 with fee simple (100%) ownership, and 105 for timeshares. The other 90 are unknown. Sixty of these occurred in November. One hundred and eighty-eight of the 499 are in Breckenridge (but note, that all timeshares are in Breckenridge, so 105 are timeshares). Forty-three are in Silverthorne; 30 in Blue River; 24 in Frisco, 22 at the Breckenridge Golf Course, 19 in Wildernest and 18 in Dillon Valley.
The breakdown of the type of foreclosure actions are as follows. There have been 346 Notice of Election and Demands which is the first step in the foreclosure process. This starts the foreclosure timeline and is not yet a sale of the property. There have been 15 Certificate of Purchase actions which is where the Public Trustee offers the property at public auction. Any purchaser must pay more than the debt itself owed to the lien holder filing the foreclosure action plus any fees. The purchaser has the duty to research whether there are any other outstanding liens on the property. There has been 138 Public Trustee's Deeds since January 1, 2010. This is the stage of the process where the holder of the Certificate of Purchase obtains ownership of the entity. Most often this is the bank holding one of the liens.
In terms of property types, 136 single family homes, 131 multifamily units, 20 parcels of vacant land, 7 developments, 9 commercial properties, and 106 timeshares in Summit County had foreclosure actions filed against them in 2010.
If you are interested in buying a property that is a foreclosure, short sale or bank owned, don't count on it meeting your "perfect property" criteria. The discount you will receive in the purchase price, often comes with the price tag of trading some of your "perfect property" requirements. Also, for short sales, don't expect the process to be fast and easy. Bank approvals take much longer than getting a Seller to agree to a price. If you need a property, and you need it fast, a short sale or bank owned property may not be for you.
If you have any questions about short sales, bank-owned properties, or foreclosures in Summit County, Colorado, please email me at firstname.lastname@example.org, or call me at 970-389-8388.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.