Are Foreclosures on the Rise in Winter Garden?

Are Foreclosures on the Rise in Winter Garden? Here’s the Real Story

You may have seen recent headlines claiming foreclosures are on the rise. Many of those stories are written to grab attention and spark fear. But when you look at the actual data, the picture in Winter Garden and across Florida is far more reassuring.

Nationwide Foreclosure Filings Remain Very Low
According to recent data, in the first half of 2025 only 0.13 percent of homes in the United States had a foreclosure filing. That is a very small fraction of all homes across the country and nowhere near the levels we saw during the housing crash years ago.

Florida’s Foreclosure Rate Is Higher Than the National Average but Still Low
Florida’s rate came in at 0.21 percent during the same time period. That is slightly above the national average, but it is still well below anything that would signal a market in distress. In practical terms, that means about two out of every thousand homes in Florida had a foreclosure filing in the first half of this year.

What This Means for Winter Garden
Here in Winter Garden, we continue to see strong market conditions. Many homeowners have built up significant equity thanks to steady price growth in recent years. That equity gives options to those who may face financial hardship. Instead of losing a home to foreclosure, most owners can sell and move forward without damaging their credit.

Today’s Market Is Not Like the Housing Crisis
The last crash was fueled by risky lending and homeowners who owed more than their homes were worth. When values dropped, many walked away, leading to a surge in foreclosures. Today’s lending standards are far more solid and homeowners are in a much stronger financial position.

Bottom Line
Foreclosure activity in Winter Garden and throughout Florida remains low by historical standards. Even though Florida’s rate is slightly higher than the national average, it is still nowhere near crisis levels.

If you are curious about what these trends mean for your Winter Garden home or if you are thinking about buying or selling, let’s connect. I am here to provide you with up‑to‑date local insights so you can make the best move for your future.