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CHICAGO (MarketWatch) Foreclosure activity showed signs of easing in some of the hardest-hit markets last year, even though filings rose on a nationwide basis as the country dealt with high unemployment rates, according to a report released by RealtyTrac on Thursday.
Nationwide, one in every 45 homes received a foreclosure filing in 2010, according to RealtyTrac. Foreclosure activity increased in 149 of the nations 206 areas with a population of 200,000 or more.
Recovery in 2011? Not likely. Even if the housing market picks up steam this year, that will prompt the "closet" inventory to enter the market -- thus pushing prices lower, says veteran real-estate writer Lew Sichelman. He talks with Amy Hoak about his real-estate outlook.
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Foreclosures became more widespread as high unemployment drove activity up in 72% of the nations metro areas many of which were relatively insulated from the initial foreclosure tsunami, said James J. Saccacio, chief executive officer of RealtyTrac, in a news release.
Houston, Seattle and Atlanta saw the biggest increases among the 20 largest metro areas. Foreclosures jumped 26% in the Houston area in 2010, compared with 2009, according to RealtyTrac. In Seattle, foreclosures rose 23% and in Atlanta, they were up 21%. View the full list at RealtyTrac.
But fewer homes in hard-hit areas including Las Vegas, California, Arizona and Florida received foreclosure filings in 2010, compared with the year before. Even though the areas are improving, however, they remain some of the most problematic.
Case in point: 88,198 properties, or one out of every nine homes in Las Vegas, received a foreclosure filing in 2010, putting the metropolitan area at the top of the list for highest foreclosure rates. Last years activity is down 7% from 2009, yet still up 31% compared with 2008.
Foreclosure filings include documents filed in all three phases of foreclosure default, auction and real-estate owned, or when homes have been foreclosed on and repurchased by a bank, according to RealtyTrac. If more than one foreclosure document is filed for a property during the year, the most recent filing is the one counted in the report.
Foreclosure floodwaters receded somewhat in 2010 in the nations hardest-hit housing markets, Saccacio said. Even so, foreclosure levels remained five to 10 times higher than historic norms in most of those hard-hit markets, where deep fault-lines of risk remain and could potentially trigger more waves of foreclosure activity in 2011 and beyond.
Here are the markets with the highest rates of foreclosure filings for 2010, beginning with the highest:
Las Vegas-Paradise, Nev.
Cape Coral-Fort Myers, Fla.
Modesto, Calif.
Phoenix-Mesa-Scottsdale, Ariz.
Miami-Fort Lauderdale-Pompano Beach, Fla.
Riverside-San Bernardino-Ontario, Calif.
Stockton, Calif.
Merced, Calif.
Orlando-Kissimmee, Fla.
Vallejo-Fairfield, Calif.
Here are the markets with the lowest rates of foreclosure filings for 2010 :
Utica-Rome, N.Y.
Burlington-South Burlington, Vt.
Charleston, W.V.
College Station-Bryan, Texas
Syracuse, N.Y.
Tuscaloosa, Ala.
Lincoln, Neb.
Albany-Schenectady-Troy, N.Y.
Buffalo-Niagara Falls, N.Y.
Lubbock, Texas