What is a foreclosure notice?

A foreclosure notice informs property owners that legal action is being taken to reclaim a mortgage default.

How can I respond to a foreclosure notice?

You must serve your written defenses to the plaintiff's attorney and file the original with the court.

What happens if I ignore the foreclosure notice?

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

What is the deadline to respond to this notice?

You have 30 days from the first date of publication to respond.

Notice of foreclosure action against Tracy and Brandy Davis for mortgage default.

Official Courthouse Record · AI-summarized for clarity

Published: Feb 4, 2026 · 2 months ago
Category: Foreclosure
City: Chipley
Address: 1063 Rock Circle, Cottondale, FL 32431 · 2 filings
Case #: 2025CA000058

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What You Should Do Next

1
Contact an Attorney
Reach out to a legal professional for advice on how to proceed with your case.
2
Prepare Your Defense
Draft your written defenses and ensure they are served to the plaintiff's attorney.
3
File with the Court
File your original defenses with the clerk of the court before or immediately after serving the attorney.
4
Meet the Deadline
Ensure all actions are completed by the deadline, which is 30 days from the first publication date.

Frequently Asked Questions

What is a foreclosure notice?: A foreclosure notice informs property owners that legal action is being taken to reclaim a mortgage default.
How can I respond to a foreclosure notice?: You must serve your written defenses to the plaintiff's attorney and file the original with the court.
What happens if I ignore the foreclosure notice?: Ignoring the notice may result in a default judgment against you, leading to loss of property.
What is the deadline to respond to this notice?: You have 30 days from the first date of publication to respond.

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 WASHINGTON COUNTY, FLORIDA FIRST FEDERAL BANK, Plaintiff, CASE NO: 2025CA000058 -VS TRACY DAVIS and BRANDY DAVIS Defendant(s)
NOTICE OF ACTION
TO: BRANDY DAVIS TRACY DAVIS Last Known Address: 1063 Rock Circle, Cottondale, FL 32431 You are notified of an action to foreclose a mortgage on the following property in Washington County:
A PARCEL OF LAND DESCRIBED BY COMMENCING AT THE SOUTHEAST CORNER OF THE NORTHEAST ONE QUARTER OF SECTION 17, TOWNSHIP 4 NORTH, RANGE 12 WEST; THENCE N0100&apos;13&quot;E, 1332.42 FEET TO THE NORTHEAST CORNER OF THE SOUTHEAST ONE QUARTER OF THE NORTHEAST ONE QUARTER OF SAID SECTION 17; THENCE N8853`02&quot;W ALONG THE NORTH LINE OF THE SOUTHEAST ONE QUARTER OF THE NORTHEAST ONE QUARTER, AND THE NORTH LINE OF THE SOUTHWEST ONE QUARTER OF THE NORTHEAST ONE QUARTER, 1716.05 FEET TO THE POINT OF BEGINNING; THENCE S0101`11&quot;W, 848.32 FEET; THENCE N8852&apos;51&quot;W, 256.75 FEET; THENCE N001`11&quot;E, 848.31 FEET TO THE NORTH LINE OF THE SOUTHWEST ONE QUARTER OF THE NORTHEAST ONE QUARTER; THENCE ALONG SAID NORTH LINE S8853`02&quot;E, 256.75 FEET TO THE POINT OF BEGINNING. SAID PARCEL LYING IN AND BEING A PART OF THE SOUTHWEST ONE QUARTER OF THE NORTHEAST ONE QUARTER OF SECTION 17, TOWNSHIP 4 NORTH, RANGE 12 WEST, WASHINGTON COUNTY, FLORIDA. LESS AND EXCEPT THAT PART THAT COULD FALL IN A POWER COMPANY EASEMENT OR RIGHT OF WAY AND THAT PART THAT FALLS IN A COUNTY ROAD RIGHT OF WAY ALONG THE NORTH AND WEST LINE OF THE PARCEL FOR INGRESS AND EGRESS. TOGETHER WITH A 1998 MOBILE HOME VIN# FLFLW70A26086SK21 &amp; VIN# FLFLW70B26086SK21 1063 Rock Circle, Cottondale, FL 32431
The action was instituted in the Circuit Court, Fourteenth Judicial Circuit in and for Washington, County, Florida; Case No. 2025CA000058; and is styled First Federal Bank vs. Tracy Davis. You are required to serve a copy of your written defenses, if any, to the action on Kelley Church, Esq., Plaintiff&apos;s attorney, whose address is 255 South Orange Ave, Suite 900, Orlando, FL 32801 on or before _, (or 30 days from the first date of publication) and file the original with the clerk of this court either before service on Plaintiff&apos;s attorney or immediately after service; otherwise, a default will be entered against you for the relief demanded in the complaint or petition. The Court has authority in this suit to enter a judgment or decree in the Plaintiff&apos;s interest which will be binding upon you. 
DATED: January 20, 2026
Washington Clerk of the Circuit Court
As Clerk of Court
By: Angela Hunt
As Deputy Clerk

February 4, 11, 2026
1520