San Joaquin · Foreclosure & auctions
Foreclosure and auctions in San Joaquin
San Joaquin requires registration of any building vacant or expected to be vacant for longer than 30 days, at no cost, and sets upkeep and security duties for all vacant buildings. Foreclosure timing and sale rules come from state law.
Key points
- Registration: City rule: register any building that has been or is expected to be vacant for longer than 30 days, including a local contact.
- Fee: City rule: registering a vacant building costs nothing.
- Cleanup deadlines: City rule: remove exterior trash and debris within 72 hours of notification, and graffiti within 48 hours of placement.
- Exterior: City rule: keep the building exterior in good condition; painted surfaces need at least 95% coverage.
- Security: City rule: keep windows and doors locked, replace broken ones, and do not use opaque boarding, typically plywood, where visible from a public right-of-way.
- 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.
Each rule below is marked San Joaquin 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
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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
Frequently asked questions
Must a lender or owner register a vacant or foreclosed home in San Joaquin?
City rule: register any building that has been or is expected to be vacant for longer than 30 days, including a local contact. City rule: registering a vacant building costs nothing. City rule: remove exterior trash and debris within 72 hours of notification, and graffiti within 48 hours of placement. City rule: keep the building exterior in good condition; painted surfaces need at least 95% coverage. City rule: keep windows and doors locked, replace broken ones, and do not use opaque boarding, typically plywood, where visible from a public right-of-way.
General information, not legal advice.
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