Florida City’s code has its own rule for empty homes with a loan in default. Under Sec. 30-155, the mortgage lender must inspect a residential property before issuing a notice of default. If the home is vacant or shows evidence of vacancy, it is deemed abandoned, and the lender has 10 days to register it with the city. The fee is $150 per property each year, renewed before October 1. If the home is occupied but still in default, the lender inspects it monthly. The rule also covers homes taken back at a foreclosure sale or by a deed in lieu.
Registered properties have to meet maintenance and security standards. The yard has to be kept up, trash removed, paint and graffiti handled, pools kept clean, and doors and windows locked or secured. A corporate or out-of-area owner has to hire a local property management company for inspections every two weeks and post its contact details on a sign at the property. The code says a failure to maintain the property is a violation by the lender, the owner of record, or both.
If your empty house is behind on the mortgage, tell us early. We buy it as it stands, with no cleanup first. Whether a sale can close depends on the payoff, the title and any legal deadlines, so no buyer can promise that outcome. This is general information; speak with a Florida attorney about your own case.