Looks like actress Mischa Barton should have bought in The OC instead of Beverly Hills, as she is now $100K behind on her mortgage payment on her $6.4 million home, according to TMZ.
Barton just got slapped with a default notice -- obtained by TMZ -- informing her she's skipped more than 100 grand in payments ... triggering the foreclosure process.
The crib is awesome -- 8 bedrooms, 11 baths, 3 guesthouses all on 1.2 acres. She bought it for $6.4M in 2005 -- when "The O.C." was a big deal, and took out a loan for $4.2 million.
The show went off the air in 2007 -- and Mischa's been trying to unload the house since 2010 ... when she listed it for 8.695M, but no one bought it. She re-listed in 2011, and again ... no takers.
Her last ditch effort was attempting to lease it for $35K/month last year ... but that move appears to be way too little too late.