Imagine a fraudster stealing someone’s identity after they pass away and moving into their home, living there for years. Then, after getting caught, the fraudster decides to sue the family for reimbursement of their home renovation costs.
Then imagine the fraudster also happens to be a cop.
That isn’t the plot of a daytime TV crime drama. It’s a real, alleged crime that authorities say unfolded in South Florida over the past four years. Police officer Brian Louis Sguros was arrested in October in connection with a years-long alleged scam in which he took possession of a home owned by the late Dennis Ionis West.
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Back in July 2022, Sguros allegedly was on the job and responded to a welfare check along with another officer at West’s home, according to WPLG’s Local 10, a local TV station in Miami. West’s body was discovered near the front entrance; it was later determined he had passed away from cardiovascular disease.
A few weeks later, Sguros allegedly moved into West’s home, where he lived for four years. He faces five criminal charges, including official misconduct and criminal use of a deceased person’s identification information. None of the charges have been proven in court.
While this is an exceptional case — since it involves a police officer — the alleged scam itself isn’t uncommon. It’s called deed fraud or title fraud, in which fraudsters target vacant properties, inherited estates and second homes.
There were 12,368 real estate fraud complaints filed in 2025 with losses totalling more than $275 million, according to the FBI’s 2025 IC3 Report. Older adults accounted for $123.6 million of that.
But you can still be very much alive — and living in your home — to become a target. And if you have a paid-off mortgage, you could be at higher risk.
How a cop allegedly took over a vacant home
During the investigation after his death, Sguros allegedly claimed to be West’s friend and that he couldn’t locate any living relatives. Weeks later, he moved into West’s home with his partner, using West’s name. He also used police databases to access personally identifiable information.
Sguros lived in West’s home for four years, paying property taxes and utility bills — again, under West’s name — and even poured his own money into sprucing up the home. He claims to have spent $214,000 on renovations, according to WPLG.
But, as it turns out, West did have surviving heirs, who were eventually located by Equinox Realty Holdings, which then acquired the property rights. But when the firm showed up at the property, they discovered Sguros living there.
Sguros agreed to hand over the keys — and he may have even gotten away with his scam — but then he decided to sue for reimbursement of the money he spent on renovations.
Equinox Realty Holdings’ attorney filed a complaint with the Lauderhill Police Department, and Sguros has since been arrested and charged. He’s currently on leave without pay.
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How to protect yourself against deed fraud
Deed or title fraud is a form of identity theft. A fraudster typically uses stolen information or fake IDs to impersonate you. By forging your signature and submitting false paperwork to the county recorder’s office, they can make it look like you authorized the transfer of your property.
When looking for targets, they often choose homes with a paid-off mortgage, since there’s less oversight.
If you don’t live in the house, or it belongs to a deceased relative, a fraudster could move in — like Sguros allegedly did. But they could also take out a loan against your property, such as a home equity line of credit (HELOC), or refinance your mortgage to cash out on your equity. They could even sell your home to another buyer who has no idea they’re also being scammed.
The first step in protecting yourself is to keep your identity as secure as possible. Use strong passwords and multi-factor authentication, and keep an eye out for any missing bills or changes to your mortgage payments.
You can also review property records through your county recorder’s office, which may offer a free property fraud alert service — so whenever there’s a new filing, you’ll get an alert. Even if they don’t offer alerts, you can check your information a couple times a year to verify that you’re still listed as the owner of the record and that your mailing address hasn’t changed.
It also helps to have a valid will or living trust that names your heirs and outlines how you want your assets to be distributed. When someone dies without a will (called intestate), then real estate becomes part of the probate process — and that provides an opening for fraudsters.
If a family member passes away, don’t delay the legal transfer of the property title to the rightful heirs. You may need to work with an estate attorney to see what your options are (depending on whether there’s a valid will, a trust or no will at all).
During the interim, if the home is left vacant, make sure it’s regularly monitored while you pay the utilities and other bills. If you can’t monitor the home in person (say, you live across the country), then ask a trusted neighbor or property manager to keep an eye out.
Title insurance could help to protect you from title-related fraud.
If you believe you’re the victim of deed fraud, report it to your county recorder, contact local police and alert the FBI through the Internet Crime Complaint Center — and get in touch with a real estate attorney as soon as possible.
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Vawn Himmelsbach is a veteran journalist who covers tech, business, finance and travel. Her work has been featured in publications such as The Globe and Mail, Toronto Star, National Post, CBC News, Yahoo Finance, MSN, CAA Magazine, Travelweek, Explore Magazine and Consumer Reports.
