Tracy · Foreclosure & auctions

Foreclosure and auctions in Tracy

Tracy requires owners to register every vacant building within 30 days of the vacancy, and sets upkeep and security standards for vacant structures. Foreclosure timing and sale rules come from state law.

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Key points

Registration: City rule: property owners register all vacant buildings with the Community and Economic Development Department within 30 days of the vacancy.
Upkeep: City rule: a building vacant over 30 days can show active maintenance by keeping landscaping and exterior good and removing trash and graffiti.
Structure: City rule: keep all vacant structures structurally sound, with electrical, gas, sanitary and plumbing facilities that create no public-health hazard.
After break-in: City rule: a vacant structure that suffered an unauthorized entry needs intact glazing or boarded windows, and one operable door.
Penalties: City rule: each day a violation continues is a separate offense; penalties may start after the 30-day period to begin corrections.
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 Tracy 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

Tracy code What Tracy's code adds
Upkeep duties	Keep all vacant structures structurally sound. Applies: Applies to all vacant structures. § 9.24.090 · code text All vacant structures shall be maintained in a structurally sound condition. Maintain electrical, gas, sanitary and plumbing facilities so they do not create a public-health hazard. Applies: Applies to vacant structures. § 9.24.090 · code text All electrical, natural gas, sanitary and plumbing facilities shall be maintained in a condition which does not create a hazard to public health. Windows and sliding doors need intact glazing or must be boarded to city specifications; doors and openings within ten feet of grade need resistance equal to a one-and-three-eighths-inch door with a half-inch deadbolt, or boarding; each structure needs one operable door; all locks stay locked Applies: vacant structure that has suffered an unauthorized entry § 9.24.110 · code text The owner or responsible agent of a vacant structure which has suffered an unauthorized entry must provide security which meets the following minimum standards: Keep landscaping and exterior paint and finishes in good condition. Regularly remove outside trash, debris and graffiti. Applies: Applies to a vacant building standing vacant over 30 days. This is one way to show active maintenance and monitoring, as the director decides. § 9.24.140 · code text Active maintenance and monitoring shall include: Start rehabilitation so the building is no longer blighted, neglected or a nuisance. Applies: Applies to a boarded or neglected building. § 9.24.140 · code text The owner of any boarded or neglected 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 commence rehabilitation of the building so that it is no longer blighted, neglected, or in a nuisance condition within thirty (30) days after the building is boarded.
Penalty	A separate offense for each day the violation is committed, continued or permitted. Applies: Applies to a violation of any provision of the chapter. § 9.24.180 · code text A statement that any persons in violation of any provision of this chapter is chargeable of a separate offense for each day during which the violation is committed, continued, or permitted. Administrative penalties may start to accrue after the 30-day period to begin corrections. Applies: Applies when the owner does not begin corrections or repairs after a notice of violation. § 9.24.180 · code text A statement that administrative penalties may begin to accrue upon the expiration of the thirty-day correction commencement period if the property owner does not begin to make corrections or repairs to remedy any violations of this chapter.
Deadline to register	Within 30 days of the vacancy. Applies: Applies to a property owner registering a vacant building with the Community and Economic Development Department. § 9.24.140 · code text Moreover, a property owner(s) shall be responsible to registering all vacant buildings with the Community and Economic Development Department of the City within thirty (30) days of the vacancy and/or thirty (30) days after the effective date of this ordinance.
Registration	Property owners must register all vacant buildings with the Community and Economic Development Department. Applies: Applies to vacant buildings. § 9.24.140 · code text Moreover, a property owner(s) shall be responsible to registering all vacant buildings with the Community and Economic Development Department of the City within thirty (30) days of the vacancy and/or thirty (30) days after the effective date of this ordinance.

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 Tracy?

City rule: property owners register all vacant buildings with the Community and Economic Development Department within 30 days of the vacancy. City rule: a building vacant over 30 days can show active maintenance by keeping landscaping and exterior good and removing trash and graffiti. City rule: keep all vacant structures structurally sound, with electrical, gas, sanitary and plumbing facilities that create no public-health hazard. City rule: a vacant structure that suffered an unauthorized entry needs intact glazing or boarded windows, and one operable door. City rule: each day a violation continues is a separate offense; penalties may start after the 30-day period to begin corrections.

General information, not legal advice.

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