How distress shows up in Florida
In Florida, foreclosure goes through the courts. The lender files a foreclosure lawsuit in the county court, the court enters a judgment, and the property is sold at a public auction run by the clerk or the sheriff. Each step is a public record, so an owner's situation shows up months before a sale, while there is still time to sell on their own terms.
Unpaid property taxes in Florida are sold as tax certificates; if the owner doesn't redeem in time, the certificate holder can apply for a tax deed, which ends in the owner losing the property.
All data is public under Florida's public-records law.
Contacting owners in Florida
Contact owners respectfully. Mail first; follow federal and Florida rules (TCPA, FTSA) for calls and texts.
No leaseback or "save your home" offers without a Florida real-estate attorney (§501.1377).