How to research a New York City pre-foreclosure
A New York foreclosure is a court case. To research one, find the case in the state court system, read its docket to see how far it has gone, and check the property and the owner against city records.
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Find the case
Foreclosures in New York are filed in the Supreme Court of the county where the property is. The lender files a summons and complaint and records a notice of pendency against the property, which is how the case first shows up in property records.
Read the docket
- Summons and complaint: the case has started.
- Settlement conferences: required for most owner-occupied homes.
- Order of reference: a referee is appointed to compute what is owed.
- Judgment of foreclosure and sale: the court fixes the amount and authorises a sale.
- Notice of sale: an auction date is set and published.
Check before you call
- Is the case still open? Look for a discontinuance, a dismissal or a stay.
- Is the property what you think it is? Match the address to the lot and the building.
- Who owns it now? An estate, a new LLC or a sale since filing changes who you talk to.
- Is there equity? Compare the amount claimed with a realistic value.
This guide explains public records. It is not legal advice; confirm anything you rely on with the court, the agency or a lawyer.