October brought an ugly surprise to hundreds of New Yorkers, as new foreclosure cases spiked dramatically.

More than 1,100 NYC households fell into foreclosure in October, a 32 percent increase from September, and a 37 percent increase from last year. Queens, which has been hard-hit since the foreclosure crisis began in 2007, had 400 new cases last month, nearly double the number of a year ago.

Brooklyn also took it on the chin, with 365 new cases, a 20 percent increase. Statewide, the number of new cases jumped 15 percent, according to real estate research firm Attom Data Solutions.

“We’re definitely seeing a spike,” said Westchester-based attorney Linda Tirelli.

There’s been a spike in foreclosures on reverse mortgages, a crisis The Post highlighted in July, as well as on mortgages of homeowners shut out of the economic rebound, attorneys said.

“People think the foreclosure crisis is toward the end, and it really isn’t,” said Rose Marie Cantanno, supervising attorney of the Foreclosure Prevention Project at the New York Legal Assistance Group. “There are still a lot of people stuck in the middle, trying to do something, but having trouble [negotiating with their lender].”

While last month’s results are well below the city’s October 2007 peak of 3,200 new foreclosures, experts fear the October 2016 uptick will continue.

The market for residential mortgages has shifted from big banks to specialized servicers and private equity owners.

After the federal Home Affordable Mortgage Program, or HAMP, ends on Dec. 31, lenders are unlikely to continue offering HAMP-style income-based modifications with interest rates as low as 2 percent.

New York’s new rising foreclosure rates contrast sharply with national trends. New York’s overall foreclosure rate rose 10 percent year over year.

In October, the overall number of US properties with foreclosures fell 8 percent, to 105,481, the 13th straight month of year-over-year declines. It also marked the 16th straight month of year-over-year declines in new foreclosures.