Cloverdale · Foreclosure & auctions

Foreclosure and auctions in Cloverdale

Cloverdale requires the beneficiary or trustee to register an abandoned residential property within 10 days of the inspection or the date of vacancy, whichever is earliest. Foreclosure steps and auctions follow state law.

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Key points

Registration: Beneficiary or trustee registers within 10 days of the inspection or vacancy date, whichever is earliest, if a property in default is found vacant.
Annual fee: Annual registration is due January 1, received by January 31. City council resolution sets the fee, charged every year.
Local manager: A corporation or out-of-area beneficiary, trustee or owner must hire a local property manager responsible for security, maintenance and marketing.
Upkeep: Abandoned property must meet the neighborhood standard: no weeds, trash, debris or standing water that supports mosquito larvae, and graffiti removed.
Securing: Abandoned property must be secured to keep out trespassers, squatters and other unauthorized people.
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 Cloverdale 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

Cloverdale code What Cloverdale's code adds
Local contact	Yes. Identify a local property management company or manager responsible for the security, maintenance and marketing of the property. Applies: Applies to a corporation or an out-of-area beneficiary, trustee or owner. § 8.34.040 · code text in the case of a corporation or out-of-area beneficiary, trustee, or owner, the local property management company or property manager responsible for the security, maintenance and marketing of the property. Yes. Hire a local property manager. Applies: Applies to an out-of-area beneficiary, trustee or owner. § 8.34.040 · code text An out-of-area beneficiary, trustee or owner of an abandoned or distressed property shall retain a local property manager, who shall inspect the residential property as required by this chapter to determine whether the abandoned or distressed property is in compliance with the requirements of this chapter.
Upkeep duties	Maintain to the neighborhood standard. Keep free of signs of intent to abandon, weeds, dry brush, dead vegetation, trash, junk, debris, excessive foliage, standing water that supports mosquito larvae, and building materials. Remove or paint over graffiti. Maintain visible front and side yards. Keep pools and spas clear or drained and dry, with required security fencing. Applies: Applies to abandoned property, and to the beneficiary, trustee or owner (or their designated agent). § 8.34.050 · code text To the extent permitted by law, abandoned property shall be maintained by the beneficiary, trustee, or owner or a designated agent thereof in a manner comparable to the neighborhood standard. At minimum: Secure the property to keep out trespassers, squatters and other unauthorized people. Applies: Applies to any abandoned property. § 8.34.060 · code text In addition, the abandoned property shall be secured in a manner that would prevent trespassers, squatters or unauthorized persons from entering and/or remaining on the property.
Deadline to register	Register within ten days of the inspection or the date of vacancy, whichever is earliest. Applies: Applies to the beneficiary or trustee, when the inspection before a notice of default finds the residential property vacant or showing intent to abandon. § 8.34.040 · code text the beneficiary or trustee shall, within ten days of the inspection or the date of vacancy, whichever is earliest, register the residential property with the city manager or his or her designee on forms provided by the city. Register within ten days of that inspection or the date of vacancy. Applies: Applies to the trustee or beneficiary. An occupied residential property in default, inspected monthly, is later found vacant or showing intent to abandon. § 8.34.040 · code text the trustee shall, within ten days of that inspection or the date of vacancy, register the property with the city manager or his or her designee on forms provided by the city. Due January 1 each year, and must be received no later than January 31 of the year due. Applies: Applies to later annual registrations. § 8.34.040 · code text Subsequent registrations are due January 1st of each year and must be received no later than January 31st of the year due.
Registration fee	An amount set by resolution of the city council, charged every year. Applies: Applies to the beneficiary or trustee registering an abandoned residential property. § 8.34.040 · code text The fee for registering an abandoned residential property shall be an amount set by resolution of the city council.
Registration	Yes, registration is required. Applies: Applies to the beneficiary or trustee. The residential property was found vacant or showing intent to abandon at the inspection after default (deemed abandoned). § 8.34.040 · code text If the residential property is found to be vacant or shows evidence of intent to abandon, it is, for purposes of this chapter, deemed abandoned and the beneficiary or trustee shall, within ten days of the inspection or the date of vacancy, whichever is earliest, register the residential property with the city manager or his or her designee on forms provided by the city. Yes, registration is required. Applies: Applies to the trustee or beneficiary. An occupied residential property in default (deemed distressed) is later found vacant or showing intent to abandon. § 8.34.040 · code text If the residential property is occupied but remains in default, it shall be deemed distressed, and it shall be inspected by the beneficiary or trustee on a monthly basis until either: (a) the trustor or another party remedies the default; or (b) it is found to be vacant or shows evidence of intent to abandon, at which time it is deemed abandoned, and the trustee shall, within ten days of that inspection or the date of vacancy, register the property with the city manager or his or her designee on forms provided by the city.

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 Cloverdale?

Beneficiary or trustee registers within 10 days of the inspection or vacancy date, whichever is earliest, if a property in default is found vacant. Annual registration is due January 1, received by January 31. City council resolution sets the fee, charged every year. A corporation or out-of-area beneficiary, trustee or owner must hire a local property manager responsible for security, maintenance and marketing. Abandoned property must meet the neighborhood standard: no weeds, trash, debris or standing water that supports mosquito larvae, and graffiti removed. Abandoned property must be secured to keep out trespassers, squatters and other unauthorized people.

General information, not legal advice.

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