JACKSONVILLE, Fla. — Ken Baxley lived in his East Arlington house four years, but in 24 hours, it was no longer his home. “I called the police and said ‘Is this for real?’ and they said ‘Yes,'” he said. It was real, but Baxley says still hard to believe.

Checking the court files only added to his nightmare. “The court records said my house is no longer in our name but it is in the name of some Duval trust group,” said Baxley.

Baxley lives in a deed restricted community. Like all the other homeowners he has to pay Homeowners Association fees. For two years, he didn’t. “I didn’t think they were that threatening,” said Baxley. “I basically blew them off. That was my mistake. I blew off the homeowners association.”

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