Owning a home in Florida is more than just a financial investment—it’s often your family’s most valuable asset. Unfortunately, identity thieves are finding new ways to target property owners by engaging in deed fraud. This type of fraud involves illegally transferring ownership of a home without the true owner’s knowledge, often through forged signatures or fraudulent documents recorded with the county clerk. At Lehrman Law, we understand how devastating deed fraud can be for Florida homeowners, especially when it threatens a homestead property, and we are committed to helping victims protect and defend their rights.
What Is Deed Fraud?
Deed fraud, sometimes referred to as “house stealing,” occurs when a criminal forges a property owner’s signature and files fraudulent documents with the property records office. Once recorded, it may appear that ownership has transferred to another person or entity. In some cases, the fraudster may attempt to sell the property, take out loans against it, or rent it out without the true owner’s knowledge.
This crime is especially alarming when it involves Florida homestead properties, which have strong legal protections under state law. Identity thieves who target these homes often hope that owners will not notice the fraudulent transfer until significant damage has already been done.
How Deed Fraud Happens
Deed fraud can occur in several ways:
- Forged Deeds: A criminal creates a fake deed using the homeowner’s name and files it with the county.
- Identity Theft: Scammers steal personal information to impersonate the homeowner and “sell” the property.
- Abandoned or Vacant Homes: Criminals often target homes that appear vacant, assuming the fraud will go unnoticed.
- Elderly Homeowners: Seniors are frequently targeted because criminals assume they may not closely monitor property records.
Warning Signs of Deed Fraud
Homeowners should be aware of red flags that may indicate deed fraud, including:
- Receiving unexpected foreclosure or eviction notices.
- Finding out that utility services are being billed in another person’s name.
- Being contacted by a bank about a loan you did not apply for.
- Discovering that property tax bills are being sent to a new address.
How to Protect Your Florida Property from Deed Fraud
Preventing deed fraud starts with vigilance. Homeowners can take several steps to reduce the risk of becoming a victim:
- Monitor Property Records: Many Florida counties allow property owners to sign up for alerts if documents are filed in their name. Take advantage of these monitoring systems.
- Check Title Records Regularly: Reviewing your property title history ensures no unexpected transfers have been recorded.
- Secure Personal Information: Shred sensitive documents, use strong online passwords, and avoid sharing personal data unnecessarily.
- Use a Trust or LLC: Placing your property in a trust or LLC may add an additional layer of protection against fraudulent transfers.
- Homestead Exemption Filing: Ensure your homestead exemption is properly filed, as it strengthens your legal protections under Florida law.
What to Do If You Are a Victim of Deed Fraud
If you discover that your Florida homestead property has been targeted by deed fraud, swift action is critical:
- Contact the Clerk of Court Immediately: Notify the local county clerk to dispute any fraudulent filings.
- File a Police Report: Identity theft and deed fraud are serious crimes that should be reported to law enforcement.
- Notify Your Mortgage Company and Title Insurer: Alert lenders and insurers to prevent further financial damage.
- Consult an Attorney: An experienced Florida attorney can help you file the appropriate legal actions to invalidate fraudulent deeds, restore rightful ownership, and pursue damages where possible.
How Lehrman Law Can Help
At Lehrman Law, we work with Florida homeowners facing deed fraud and other property-related identity theft issues. Whether you need help clearing fraudulent documents, pursuing legal remedies, or taking preventive steps to safeguard your homestead, our team is here to protect your rights.
Protecting Your Florida Homestead
Deed fraud is a growing threat in Florida, and homeowners must remain vigilant to protect their property rights. By monitoring records, securing personal information, and knowing the warning signs, you can reduce the risk of becoming a victim. If you believe you have been targeted, Lehrman Law can help you fight back, restore your property rights, and safeguard your Florida homestead for the future. Contact us today to get started.