Pet Friendly Homes in Boca Raton


This is something we all need to be aware of.  

Fraud - Losing your home - Identity Theft - these are all scary words and for good reason.

It has been 12 years since I wrote my first blog on fraudulent deeds and what I wrote then still is true today.  It was my most read article over the past 12 years.  Today, technology and services offered by the various public recording offices can be used to "push" notices to you if your name has appeared in any new filing in the Public Records of a county in which you own property.  I urge everyone to sign up for this service.  It can save you a ton of aggrevation and money and alert you to theft of your identity and your real estate!  Typically the service is called "property fraud alert" and you can sign up at your county clerk's website.  For example, here in Palm Beach County you can sign up HERE. Sign up NOW!

Now back to the story - a story in various forms that we have seen year after year:.......

It is a day past Halloween, but here is a scary TRUE story:

My office is presently working on a case that is so prevalent that I thought posting it on my blog would be helpful.  The matter involves a single person who bought a home 5 years ago. 

It is a nice house, in a great community.  He bought is for investment, paying about $400,000 and getting an 80% mortgage.  It is his second home in South Florida, and his other home is about 5 miles away, but that is seldom used as he works in another state.

He put a renter into the house, using an established Realtor for find her.  The renter paid her rent regularly without any problem every month.  About one year into the lease, the homeowner paid off the mortgage with extra cash he earned.  He also extended the lease for the renter, using the Realtor for the paperwork.

The renter apparently had a friend with whom (we would later learn) lived in a previous house with her.  Shortly after the extension to the lease was executed, the renter created a quit claim deed from the owner to herself, and recorded it for nominal consideration.  About 3 months later she sold the house to her friend for $500,000.  Her friend took out a conventional mortgage for 80% and the renter took back a purchase money mortgage in 2nd position, which covered most of the remaining cash to close.

The owner was alerted to the deeds when his Realtor called him because she was just updating her files and checked online for his real estate taxes - seeing the tax collector was showing the wrong owner for the property.  She went to the property and it was vacant. 

No mortgage payments were ever made on the home by the "new" purchaser.

After more than two years of litigation, the Quiet Title case is going to court.  The real owner has not had title to the home and missed the ability to sell it in the right market.  Plus he has the legal expenses associated with the recovery of title of the house. Fortunately the title underwriter paid off the fraudulently acquired mortgage, so we only have to get rid of the 2nd mortgage and the fraudulent deed and the deed subsequent to it.

The perpetrators are no where to be found.

Of course a glaring question is the notary on the Quit Claim Deed - we are gathering evidence that should put that person out of business - or at least authenticate the claim on the insurance bond (which is limited to a nominal amount).  This is a primary example for notary publics to keep a log of what they notarize along with copies of identification of the signing parties for every transaction.  It is a HUGE pain, but is there a better way?

I don't know the moral of this story.  I guess it is .... IT CAN HAPPEN TO YOU (or your clients)!

If anyone has a similar story to relate - please share it!

Copyright 2007 / 2019 Richard P. Zaretsky, Esq.

 Be sure to contact your own attorney for your state laws, and always consult your own attorney on any legal decision you need to make.  This article is for information purposes and is not specific advice to any one reader.

Richard Zaretsky, Esq., ZARETSKY LAW GROUP. ATTORNEYS AT LAW, 1615 FORUM PLACE, SUITE 3A, WEST PALM BEACH, FLORIDA 33401, PHONE 561 689 6660  RPZ@ZARETSKYLAW.COM  - FLORIDA BAR BOARD CERTIFIED IN REAL ESTATE LAW - We assist Brokers and Sellers with Short Sales and Modifications and Consult with Brokers and Sellers Nationwide!  New Website

See our easy to understand articles at:


Elyse BermanFor information about pet-friendly housing in Boca Raton, Delray Beach, Highland Beach, Boynton Beach or Boca Raton real estate market, please contact me. I am a Boca Raton Real Estate Agent.

Contact Elyse:
By Email:
By Text - 561-716-7824
Cell - 561-716-7824

Elyse Berman, PA, CRS, ABR, GRI, e-PRO of Best Connections Realty, Inc. serving Boca Raton FL and the surrounding cities of Highland Beach, Delray Beach, Boynton Beach, Lake Worth, Wellington, Deerfield Beach, Hillsboro Beach, Lighthouse Point, Fort Lauderdale, Hollywood Beach and Hallandale Beach.





 facebook   youtube linkedin


Protected by Copyscape DMCA Copyright Protection



style="margin-top: 15px;">Disclaimer:  The information contained in this blog should not be solely relied upon and should be independently verified by professional sources.  The opinions expressed herein are solely mine. 

All information is deemed accurate but not guaranteed. All statistical information was obtained from BMLS.   Many articles may be time and date sensitive.  Please be sure to look at the date it was posted. 

No reproduction is permitted without the author's express permission.


Copyright © 2009 - 2020   Elyse Berman, PA

                               All Rights Reserved

Comment balloon 3 commentsElyse Berman, PA • March 01 2019 01:05AM
This is something we all need to be aware of. Fraud - Losing your home - Identity Theft - these are all scary words and for good reason. It has been 12 years since I wrote my first blog on fraudulent deeds and what I wrote then still is true… more
Soooo… You Want to Downsize to a Condo…
Are you thinking of downsizing to a condo or just buying a condo in general? There are things you must be aware of before you purchase a condo. Sally K. & David L. Hanson while not in Florida, did an outstanding job of explaing this. In… more
The Dilemma of "Brown" Furniture
It seems to be happening all over the country - "The Dilemma of Brown Furniture" as Margaret Goss called it. Although Margaret is in Illinois, I see the same thing in south Florida. Stores are filled with "brown furniture"… more
Honey, let's not use a Realtor!
If you are thinking of selling your house without a realtor, please take a few minutes to read Andrea Swiedler 's post. There is a lot more involved in selling a house. While Andrea Swiedler is in Connecticut, the same holds true for Boca Raton or… more
Not All Agents Are Created Equal
Whether you are buying or selling a home in Boca Raton, Highland Beach or the surrounding areas of south Florida, this is a great post by Amanda S. Davidson on choosing a realtor. I couldn't agree with her more. Although Amanda lives in Alexandria… more
Knowing Your Rights: The Fair Housing Act and Companion Animals
Great post by Kimo Stowell on The Fair Housing Act and Companion Animals. Whether in Hawaii, as Kimo is, or in south Florida, this is a national law. Know your rights! The Fair Housing Act and Companion Animals - You and your assistance animal… more
Moving Tips You Really Need to Know
Moving can be overwhelming. Here are some great tips by Lise Howe I had never heard about tieing your clothes in a plastic bag and taking photos of your computer cords. These are two I will remember! If you have moved more than once, you know… more
Boca Security & Fire Equipment in Boca Raton FL
Boca Security & Fire Equipment in Boca Raton FL Where: 4201 Oak Circle, Boca Raton, FL 33431 Hours: Monday to Thursday 9:00-5:00 pm What: Security and Fire Equipment Cost: Varies Contact: Arlene or Stuart Phone: 561-368-1012 Specializing in… more
How to Recover from a House Fire - A Step-by-Step Guide
No one should never need this, but still a great read on what to do to recover from a house fire and what to do to prepare beforehand. Great post written by Nicole Doty in Arizona - thank you Nicole! A long read but well worth it. A house fire… more
Dogs and Allergies in Boca Raton FL
UPDATE: The results of Buttons skin test came back and she had a double bacterial infection in the skin of her paws which was resistant to many meds. 3 weeks after this phot and double antibiotics, she is like a new dog. Her fur has grown back… more