We have talked to both existing lenders who say that transferring the title will trigger the DOS clause and while I don't expect them to hang out at the county recorder's office or do searches on a regular basis, it does bring into question the whole topic of insurance.

Give your title company a call...

Any Realtor should be able to access title information for the properties you have questions about. 

Check in your area for quiet title action.  

The contingency is the appraisal and title.

It may be a mistake that she is getting the bills (ex the mailing address wasn't updated with the new owner's).Here are a few things I would do.1) go to your county records and look at the deed, mortgage, etc for the current owner.2) call the county and ask if the foreclosure is legit.3) have a title company pull title 4) find the mortgage holder (either a bank or servicer) and ask what happened.If you need any help please let me know.

In doing so, I found a document in the calculator section titled "Estimating ARV Primer".

A L/O is not an exit, you're still on title.

If the property is homesteaded it will be 50% of the assessed value, for everything else the opening bid is the full payoff of all the certificates/interest plus costs (title search, advertising, etc). 

As the title suggests, there was previous work performed on the SFR (1400 sqft) 4/2 in 2008.