Banning · Foreclosure & auctions

Foreclosure and auctions in Banning

Banning requires the owner of any abandoned, distressed or vacant property, not only foreclosures, to register it with the Community Development Department. Foreclosure steps and auctions follow state law.

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Key points

Registration: Register 30 days after vacancy if not reoccupying, 10 days after 30 vacant days, or 10 days after city written notice, whichever is earliest.
Renewal and fees: Registration is renewed each year until the property is no longer vacant. The city council sets the fees, which are not prorated.
Local manager: A corporate or out-of-city owner must hire a local property management company to inspect weekly and confirm in writing when the city asks.
Upkeep: Abandoned, distressed and vacant properties must be kept clear of trash, debris, abandoned cars and graffiti, and secured against unauthorized entry.
Penalties: Each day a property stays unregistered or unmaintained is a separate offense; failing to register on time is an infraction.
State timeline: State law: at least 3 months pass from the recorded notice of default to notice of sale, posted at least 20 days before sale.

Each rule below is marked Banning 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

Banning code What Banning's code adds
Local contact	Hire a local property management company to inspect weekly and give the city written confirmation on request. Applies: Applies when the owner is a corporation or lives outside the city. § 8.12.060 · code text If the owner of a registered property is a corporation or resides outside the city, the owner shall retain a local property management company to perform weekly inspections to verify that the requirements of this section, and any other applicable law, are being satisfied.
Upkeep duties	Keep building exteriors and visible front and side yards in good condition. Promptly and regularly remove trash, debris, abandoned cars and graffiti. Maintain or drain pools and spas. Secure the property against unauthorized entry. Comply with applicable codes. Keep it free of weeds, dry brush, dead vegetation, junk, building materials, accumulated notices and items suggesting abandonment. Applies: Applies to abandoned, distressed and vacant properties. § 8.12.060 · code text Abandoned, distressed, and vacant properties must be, in comparison to the neighborhood standard, kept free of evidence of vacancy, which shall include but not be limited to compliance with the following: Keep pools and spas running with clear, clean water, or drained and dry, and meet California minimum security fencing rules. Applies: Applies to properties with pools or spas. § 8.12.060 · code text Pools and spas shall either (i) be kept in working order so the water remains clear and free of pollutants and debris, or (ii) drained and kept dry.
Penalty	Each day a property stays unregistered or is not maintained as required is a separate offense. Violations may be handled through administrative citations, criminal citations, or general penalties. Applies: Applies to anyone who fails to register or maintain an abandoned, distressed or vacant property. § 8.12.090 · code text Each day that a property remains is not registered or is not maintained as required by this chapter shall be a separate offense. Failing to register on time, or to notify the city of a property's disposition, is an infraction under Section 1.28.030. Applies: Applies to criminal citations. § 8.12.090 · code text failure to timely register a property or to notify the city of the disposition of a registered property as required by the chapter shall be deemed an infraction subject to penalty as provided in Section 1.28.030 of this Code.
Deadline to register	Register 30 days after the property becomes vacant, if the owner does not plan to reoccupy it. Applies: Applies to the owner of an abandoned, distressed or vacant property (any vacant property, not only foreclosures). The earliest of the three triggers applies. § 8.12.040 · code text Thirty days it becomes vacant and the owner does not intend for the property to be reoccupied. Register ten days after the property has been vacant and not reoccupied for 30 days. Applies: Applies to the owner of an abandoned, distressed or vacant property. The earliest of the three triggers applies. § 8.12.040 · code text Ten days after it has been vacant and not reoccupied for a period of thirty days. Register ten days after the city gives written notice that the property is vacant. Applies: Applies to the owner of an abandoned, distressed or vacant property, after a city inspection. The earliest of the three triggers applies. § 8.12.040 · code text Ten after the city gives written notice to the owner that the property is vacant based on an inspection pursuant to Section 8.12.050.
Registration fee	The city council sets the fees. Registration and renewal fees are not prorated. Applies: Applies to the owner of an abandoned, distressed or vacant property. § 8.12.040 · code text The city council shall establish fees for registration and renewals required under this chapter. Any such fee must accompany registration application or renewal as applicable. Registration and renewal fees shall not be prorated.
Registration	The owner must register the property with the Banning Community Development Department. Applies: Applies to any abandoned, distressed or vacant property (not only foreclosures). Registration is renewed each year until it is no longer vacant. § 8.12.040 · code text The owner of any abandoned, distressed, or vacant property must register the property with the City of Banning Community Development Department in accordance with this chapter. The beneficiary that causes a notice of default to be recorded must register the property. Applies: Applies to a property with security interests held by more than one beneficiary. § 8.12.040 · code text the beneficiary who causes a notice of default for its security interest to be recorded shall be responsible for registering the property with the city as provided in this section.

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 Banning?

Register 30 days after vacancy if not reoccupying, 10 days after 30 vacant days, or 10 days after city written notice, whichever is earliest. Registration is renewed each year until the property is no longer vacant. The city council sets the fees, which are not prorated. A corporate or out-of-city owner must hire a local property management company to inspect weekly and confirm in writing when the city asks. Abandoned, distressed and vacant properties must be kept clear of trash, debris, abandoned cars and graffiti, and secured against unauthorized entry. Each day a property stays unregistered or unmaintained is a separate offense; failing to register on time is an infraction.

General information, not legal advice.

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