I want to know how holds the mortgage on a property that is going into
foreclosure, how do I find that information.  Who can I pay and how
much will it cost me to find this information?  The property is in
Orange county in Orlando, Florida.

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Clarification of Question by vise174-ga on 27 Jan 2006 14:27 PST

The address is:

12895 Enclave Drive,
Orlando, FL 32837

Dear vise174-ga

Thank you for allowing me to answer your interesting question.
According to the Orange County Assessor?s Office the grantor of the
property you specified is Engle Homes of Orlando Florida:

ORANGE COUNTY ASSESSORS OFFICE

http://www.ocpafl.org/pls/webappI/get_parcel_by_addr?s_num=12895&s_dir=&s_name=Enclave&s_type=&DI_0=on&DI_1=on&DI_2=on&DI_3=on&DI_4=on&DI_5=on&DI_6=on&x=36&y=15

http://oceanus.occompt.com/wb_or1/new_sch.asp?search_by=Official%20Book/Page&search_entry=5203/1773&RecSetSize=100&PageSize=20

You can contact Engle Homes here:

ENGLE HOMES
http://www.englehomes.com/tousa/Content.do?pageID=52

I hope you find that my answer exceeds your expectations. If you have
any questions about my research please post a clarification request
prior to rating the answer. Otherwise I welcome your rating and your
final comments and I look forward to working with you again in the
near future. Thank you for bringing your question to us.

Best regards;
Tutuzdad-ga ? Google Answers Researcher



INFORMATION SOURCES

Defined above


SEARCH STRATEGY


SEARCH ENGINE USED:

Google ://www.google.com


SEARCH TERMS USED:

ORANGE COUNTY ASSESSORS OFFICE

FLORIDA

ENGLE HOMES

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Clarification of Answer by tutuzdad-ga on 27 Jan 2006 18:20 PST

PS:  If you go here and click on the link in the right panel you can
get a .pdf copy of the actual waranty deed bearing the name of Engle
Homes/Orlando, Inc.

http://oceanus.occompt.com/wb_or1/details.asp?doc_id=12023459&file_num=19970054918&doc_status=V

tutuzdad-ga

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Request for Answer Clarification by vise174-ga on 30 Jan 2006 06:35 PST

I called Engle Homes and it seems that they can't help me?  Do I need
to locate the owner, whose in Trinidad W.I.?

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Clarification of Answer by tutuzdad-ga on 30 Jan 2006 06:40 PST

If I were you I'd first contact the Orange County Assessor's office
and see what publis records are available. Engle Homes may be bound by
some type of privacy clause and won't (or can't) release information
based on that issue, whereas the County Assessor's Office is obligated
to release infomration related to public records under the Freedom of
Information Act.

200 S. ORANGE AVENUE, SUITE 1700 
ORLANDO, FL. 32801
 
CUSTOMER SERVICE ..... (407) 836-5044 
(8:00 AM to 5:00 PM EST, M-F)

tutuzdad-ga

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Request for Answer Clarification by vise174-ga on 11 Feb 2006 19:31 PST

I can't believe I paid 50 dollars for this, to tell me to go to downtown Orlando.  
I've requested a refund and I'm still waiting for an answer.  I'm just
not getting this answer thing, it seems every question I ask it is
just impossible to answer.  Please tell me, for the info that you got,
which never answered my question, was it worth the entire $50.00.  Can
we at least negotiate a cheaper rate.

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Clarification of Answer by tutuzdad-ga on 12 Feb 2006 06:27 PST

I don't understand what the problem is. You asked who holds the
mortage on the property and I gave you that precise information
exactly as you requested. Your question has been fully answered. The
fact that Engle Homes now refuses to cooperate with you is another
matter entirely. I can't make them do what they do not wish to do.

tutuzdad-ga

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Clarification of Answer by tutuzdad-ga on 12 Feb 2006 14:25 PST

An astute colleague and fellow researcher pointed out that on the same
source I offered earlier a .pdf document indicates that a business
called LEADER MORTGAGE, INC., which was doing busines at that time
under the name "EQUITY PLUS", was the original lender.

ORANGE COUNTY
http://oceanus.occompt.com/wb_or1/details.asp?doc_id=12023461&file_num=19970054920&doc_status=V

EQUITY PLUS FUNDING
5301 NORTH FEDERAL HIGHWAY, STE 290
BOCA RATON, FL 33487

Perhaps this is more in line with what you are hoping for.

tutuzdad-ga

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Request for Answer Clarification by vise174-ga on 15 Feb 2006 12:22 PST

That business does not exist any more.  I even called there main
office, which was in another state, and they told me that they don't
hold any mortgages in Florida.  I had to do my own research, which
told me that one trust mortgage was now the holder.  So I guess I just
wasted my 50 dollars and I will never use this service again.  It
seems that I keep asking impossible questions.

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Clarification of Answer by tutuzdad-ga on 15 Feb 2006 12:55 PST

It is not uncommon for mortages to be sold or transferred to other
financial institutions, acssuming that is what happened and accounts
for why the available information from the official source proved
inaccurate. I'm sorry you were displeased with the information what
was available to us but it was indeed the information that was on the
official documents.

tutuzdad-ga

I did not get my answer.  Isn't a mortgage a public document?  Engle
Homes does not hold mortgages and then if you look at the last
clarification, they tell me to go down to the appraisers office to go
look up the document?  Why, should I pay 50 dollars for somebody to
tell me to go somewhere, which is what I did not want to do.

I think the person did an excellent job of researching, but I never
got the answer I wanted.  I don't want a refund of the whole amount
and I think $5.00 for the work he did would be reasonable.  So I'm
asking a refund of $45.00, which I think would be fare.  Unless, you
could get me the bank that has the actual mortgage to the property. 
If this is not possible than please tell me and refund my money.

Your assistance is greatly appreciated.

Luis Santos

I've had terrible service with google answers and this person.  I must
ask the hardest question, because I can never get an answer I'm
satisfied with.

Go to the local assessors office  OR do an internet search, some
states have that information online.

Well, if I was talented enough to find it on the internet, I would not
have posted it here.
Should I post the address and do you think I'm offering enough money?

Vise174,
don't give up on Google Answers yet.
On the last site that Tutuzdad-ga posted, if you click on ?view
details? for linked records, you will see that the mortgage was
assigned to The Bank of New York in Feb. 1997.

Furthermore, with this site
http://www.foreclosure.com/state?state=fl&rsp=5106

 you can find the details recorded for foreclosures and
preforeclosures.  Click on Orange County on the map, enter the
debtor?s name, and then choose preforeclosure.  The property is not
yet on the list.  If there is any question about the present owner?s
name, enter the zip code and a search will give a reasonable 5 or 6
pages of items to peruse.
When it appears, then you can sign on for the 7 day free membership
and get the details.
The lists are updated daily, the site claims (e.g., 2 pm on Feb. 12).

Someone else here may be able to tell you if there is a way to get the
details sooner, OR IF a property can go immediately to foreclosure
without first appearing under preforeclosure.
The site provides other information about Florida foreclosure law once
you have signed on.
Regards, Myoarin

Vise174-ga,
It appears that you did not notice my previous comment.
The mortgage was immediately sold to The Bank of New York.  The bank
may have passed it on to someone else in the meantime.

Please also note the site on which you can find when and if the
property goes into preforeclosure or foreclosure.

Regards, Myoarin