What is a foreclosure notice?

A foreclosure notice informs you that a lender is seeking to reclaim property due to unpaid mortgage.

How do I respond to a foreclosure notice?

You must serve a written defense to the plaintiff's attorney within 30 days of publication.

What happens if I ignore the foreclosure notice?

Ignoring the notice may result in a default judgment against you, leading to loss of property.

Can I contest the foreclosure?

Yes, you can contest the foreclosure by filing a defense with the court.

Action to foreclose mortgage on condominium unit in Panama City Beach.

Official Courthouse Record · AI-summarized for clarity

Published: Jan 28, 2026 · 2 months ago
Category: Foreclosure
City: Panama City Beach
Address: 8700 Front Beach Road, Unit 4104, Panama City Beach, FL 32407
Case #: 25000679CA

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What You Should Do Next

1
Contact an Attorney
Reach out to a legal professional for advice on how to respond to the notice.
2
Prepare Your Defense
Draft and serve your written defense to the plaintiff's attorney within 30 days.
3
File with the Court
File your original defense with the court clerk immediately after serving the plaintiff's attorney.
4
Request ADA Assistance
If you need accommodations, contact the ADA Coordinator at least 7 days before your court appearance.

Frequently Asked Questions

What is a foreclosure notice?: A foreclosure notice informs you that a lender is seeking to reclaim property due to unpaid mortgage.
How do I respond to a foreclosure notice?: You must serve a written defense to the plaintiff's attorney within 30 days of publication.
What happens if I ignore the foreclosure notice?: Ignoring the notice may result in a default judgment against you, leading to loss of property.
Can I contest the foreclosure?: Yes, you can contest the foreclosure by filing a defense with the court.

The above suggestions and answers are AI-generated for informational purposes only. They may contain errors. NoticeRegistry assumes no responsibility for their accuracy. Consult a qualified professional before taking action.

Full Notice Text

IN THE CIRCUIT COURT OF THE FOURTEENTH JUDICIAL CIRCUIT
IN AND FOR BAY COUNTY, FLORIDA
CIVIL DIVISION
Case #: 25000679CA
Trustmark National Bank
Plaintiff,
-vs.-
Kristen Renita Young a/k/a Kristen R. Young; Unknown Spouse of Kristen Renita Young a/k/a Kristen R. Young; Island Reserve Condominium Association, Inc.; Unknown Parties in Possession #1, if living, and all Unknown Parties claiming by, through, under and against the above named Defendant(s); Unknown Parties in Possession #2, if living, and all Unknown Parties claiming by, through, under and against the above named Defendant(s)
Defendant(s).
NOTICE OF ACTION FORECLOSURE PROCEEDINGS-PROPERTY
TO: Kristen Renita Young a/k/a Kristen R. Young: 8700 Front Beach Road, Unit 4104, Panama City Beach, FL 32407 and Unknown Spouse of Kristen Renita Young a/k/a Kristen R. Young: 8700 Front Beach Road, Unit 4104, Panama City Beach, FL 32407
Residence unknown, if living, including any unknown spouse of the said Defendants, if either has remarried and if either or both of said Defendants are dead, their respective unknown heirs, devisees, grantees, assignees, creditors, lienors, and trustees, and all other persons claiming by, through, under or against the named Defendant(s); and the aforementioned named Defendant(s) and such of the aforementioned unknown Defendants and such of the aforementioned unknown Defendants as may be infants, incompetents or otherwise not sui juris.

YOU ARE HEREBY NOTIFIED that an action has been commenced to foreclose a mortgage on the following real property, lying and being and situated in Bay County, Florida, more particularly described as follows:
CONDOMINIUM UNIT 4104, ISLAND RESERVE, A CONDOMINIUM, TOGETHER WITH AN UNDIVIDED INTEREST IN THE COMMON ELEMENTS, ACCORDING TO THE DECLARATION OF CONDOMINIUM THEREOF RECORDED IN OFFICIAL RECORD BOOK 3018, PAGE 563, AND AMENDED BY DOCUMENTS RECORDED IN OFFICIAL RECORDS BOOK 3030, PAGE 763, BOOK 3042, PAGE 1181 AND BOOK 3068, PAGE 1351 AND BOOK 3073, PAGE 1344 OF THE PUBLIC RECORDS OF BAY COUNTY, FLORIDA.
more commonly known as 8700 Front Beach Road, Unit 4104, Panama City Beach, FL 32407.
This action has been filed against you and you are required to serve a copy of your written defense, if any, upon LOGS LEGAL GROUP LLP, Attorneys for Plaintiff, whose address is 750 Park of Commerce Blvd., Suite 130, Boca Raton, FL 33487, within thirty (30) days after the first publication of this notice and file the original with the clerk of this Court either before with service on Plaintiff's attorney or immediately thereafter; otherwise a default will be entered against you for the relief demanded in the Complaint.
WITNESS my hand and seal of this Court on the 30 day of December, 2025.
Bill Kinsaul
Circuit and County Courts
(COURT SEAL)
By: /s/ Christen Caswell
Deputy Clerk
If you are a person with a disability who needs any accommodation in order to participate in this proceeding, you are entitled, at no cost to you, to the provision of certain assistance. Please contact the ADA Coordinator by mail at P.O. Box 1089, Panama City, FL 32402 or by phone at (850) 747-5338 at least seven (7) days before your scheduled court appearance, or immediately upon receiving this notification if the time before the scheduled appearance is less than seven (7) days. If you are hearing impaired, call 711.
#12007173 01/21, 01/28/2026