Anderson · Foreclosure & auctions

Foreclosure and auctions in Anderson

Anderson requires a boarded building to be repaired for occupancy within 120 days and bars a building from standing vacant over 120 days unless an exception applies. It also sets upkeep duties and penalties. Foreclosure timing and sale rules come from state law.

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Key points

Vacancy limit: City rule: repair a boarded building for occupancy within 120 days; it may not stand vacant over 120 days unless an exception applies.
Upkeep: To count as actively maintained, keep landscaping healthy and the exterior in good condition, remove trash, debris and graffiti, and prevent criminal activity.
Penalty: City rule: up to $1,000 for each building left boarded or vacant in violation; only one administrative penalty per building per calendar year.
Repeat penalty: City rule: up to $5,000 for each building found in violation in a later calendar year after an earlier administrative penalty.
State timeline: State law: at least 3 months from notice of default to notice of sale, which is posted at least 20 days before the sale.
State sale rule: State law: on 1–4 unit property, a trustee's sale is not final for 15 days.

Each rule below is marked Anderson code or CA state law and links to the section it comes from (checked October 2026). General information, not legal advice.

Registering vacant and foreclosed homes

Anderson code What Anderson's code adds
Upkeep duties	Repair a boarded building for occupancy within 120 days after boarding. It may not stand vacant over 120 days unless an exception applies. Applies: Boarded or vacant building. Exceptions: active building permit for repair; meets all codes and is offered for sale, lease or rent; or director finds it actively maintained and monitored. § 15.07.020 · code text The owner of any boarded building, whether boarded by voluntary action of the owner or as a result of enforcement activity by the city, shall cause the boarded building to be repaired and rehabilitated for occupancy within one hundred twenty days after the building is boarded. Active maintenance and monitoring must include keeping landscaping and plants in healthy, growing condition. Applies: Applies when the director decides the building does not add to blight because the owner actively maintains and monitors it. § 15.07.020 · code text Maintenance of landscaping and plant materials in healthy, growing condition, Keep the outside of the building, including paint and finishes, in good condition. Applies: Applies when the director decides the building does not add to blight because the owner actively maintains and monitors it. § 15.07.020 · code text Maintenance of the exterior of the building, including but not limited to paint and finishes, in good condition, Regularly remove all outside trash, debris and graffiti. Applies: Applies when the director decides the building does not add to blight because the owner actively maintains and monitors it. § 15.07.020 · code text Regular removal of all exterior trash, debris and graffiti, Prevent criminal activity on the property, including controlled substance use and sales, prostitution and criminal street gang activity. Applies: Applies when the director decides the building does not add to blight because the owner actively maintains and monitors it. § 15.07.020 · code text Prevention of criminal activity on the premises, including but not limited to use and sale of controlled substances, prostitution and criminal street gang activity.
Penalty	Penalty of up to $1,000 for each building. Applies: Applies when a boarded building stays boarded, or a building stays vacant, in violation of the vacancy section. § 15.07.030 · code text shall be liable for an administrative penalty in an amount not to exceed one thousand dollars for each such building. Only one administrative penalty may be imposed per building in any calendar year. Applies: Applies to any administrative penalty. § 15.07.030 · code text Only one administrative penalty may be imposed per building in any calendar year. Penalty of up to $5,000 for each building. Applies: Applies when a building that had an earlier administrative penalty is found in violation in a later calendar year. § 15.07.030 · code text a subsequent administrative penalty may be imposed upon the owner of the building in an amount not to exceed five thousand dollars for each such building.

Foreclosure steps and deadlines

CA state law California law sets this statewide. Time between notice of default and sale: At least three months after the notice of default is recorded before notice of sale; the sale itself no earlier than three months and 20 days after the notice of default (Civ. Code § 2924(a)(2), (a)(4)). Notice of trustee's sale: Posted, published and recorded at least 20 days before the sale (Civ. Code § 2924f(b)). California foreclosure rules — the full state rule →

Homeowner protections

CA state law California law sets this statewide. No foreclosure while a loan modification is pending: If a complete first-lien modification application is submitted at least five business days before a sale, the servicer may not record a notice of default or sale, or hold the sale, while it is pending (Civ. Code § 2923.6(c)). California foreclosure rules — the full state rule →

The trustee's sale (auction)

CA state law California law sets this statewide. When and where sales are held: At public auction in the county where the property is, between 9 a.m. and 5 p.m. on a business day (Civ. Code § 2924g(a)(1)). Tenant and owner-occupant priority after a sale (SB 1079): On 1–4 unit property, a trustee's sale is not final for 15 days; eligible tenant buyers and eligible bidders who give notice of intent may bid within 45 days (Civ. Code § 2924m(c)). California foreclosure rules — the full state rule →

Tenants in a foreclosed home

CA state law California law sets this statewide. Tenants in a foreclosed property: A month-to-month tenant must get at least 90 days' written notice to quit; a tenant with a fixed-term lease signed before the sale may stay to the end of the lease (Code Civ. Proc. § 1161b(a), (b)). California foreclosure rules — the full state rule →

Debt after the sale

CA state law California law sets this statewide. No deficiency after a trustee's sale: After a nonjudicial trustee's sale, the lender cannot collect any shortfall from the borrower (Code Civ. Proc. § 580d(a)). California foreclosure rules — the full state rule →

Who this affects

Homeowners behind on a loanBuyers of bank-owned homesLenders and servicers

Frequently asked questions

Must a lender or owner register a vacant or foreclosed home in Anderson?

City rule: repair a boarded building for occupancy within 120 days; it may not stand vacant over 120 days unless an exception applies. To count as actively maintained, keep landscaping healthy and the exterior in good condition, remove trash, debris and graffiti, and prevent criminal activity. City rule: up to $1,000 for each building left boarded or vacant in violation; only one administrative penalty per building per calendar year. City rule: up to $5,000 for each building found in violation in a later calendar year after an earlier administrative penalty.

General information, not legal advice.

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