Clovis · Foreclosure & auctions

Foreclosure and auctions in Clovis

Clovis requires the trustee or beneficiary to register a vacant foreclosed property with no fee, and sets deadlines for boarding, cleanup and graffiti removal. Foreclosure timing and sale rules come from state law.

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Key points

Registration: City rule: the trustee or beneficiary registers a vacant foreclosed property within 10 days of the inspection that finds it vacant.
Fee: City rule: there is no fee to register a vacant foreclosed property.
Local contact: City rule: designate a responsible party or agent who lives within Fresno County when no trustee or beneficiary lives there.
Sign and access: City rule: post a street-visible sign with a 24-hour phone number, and allow City employees to enter for exterior inspection or abatement.
Upkeep deadlines: City rule: in any vacant building, board broken windows within 24 hours, replace them within 72, remove trash within 72 and graffiti within 48.
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 Clovis 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

Clovis code What Clovis's code adds
Local contact	Designate a local responsible party or agent who lives within Fresno County. Applies: Applies when no trustee or beneficiary lives within Fresno County. § 5.27.303 · code text If no trustee or beneficiary resides within the County of Fresno, the name, address, and phone number of a party residing within the County of Fresno who shall be designated as the local responsible party or agent for the purposes of notification in the event of an emergency affecting the public health, safety, or welfare and for purposes of service of process or any notices associated with registration of the property;
Upkeep duties	Board up broken windows within 24 hours. Applies: Applies to any vacant building, whether residential, commercial or industrial. § 5.27.301 · code text Board up broken windows within twenty-four (24) hours and replace broken windows within seventy-two (72) hours, subject to the provisions of subsection (g) of this section. Replace broken windows within 72 hours. Applies: Applies to any vacant building, whether residential, commercial or industrial. § 5.27.301 · code text Board up broken windows within twenty-four (24) hours and replace broken windows within seventy-two (72) hours, subject to the provisions of subsection (g) of this section. Remove all trash and debris within 72 hours. Applies: Applies to any vacant building and its yards. The time counts from when the trash is placed or abandoned. § 5.27.301 · code text Remove all trash and debris within seventy-two (72) hours of their placement or abandonment on the property. Remove all graffiti within 48 hours. Applies: Applies to any vacant building and its yards. The time counts from when the graffiti is placed. § 5.27.301 · code text Remove all graffiti on the property within forty-eight (48) hours of placement on the property. Post a street-visible sign at the front with the trustee, beneficiary or management company name and a 24-hour phone number. Applies: Applies to a registered vacant foreclosed property. § 5.27.303 · code text The property shall be posted with a sign indicating the name and a twenty-four (24) hour telephone number for the trustee/beneficiary or property management company responsible for maintenance and security of the property. Give City employees express permission to enter the property for exterior inspection or abatement. Applies: Applies during the registration process for a vacant foreclosed property. § 5.27.303 · code text Provide express authorization for City employees to enter the property for the purpose of ensuring compliance with this article.
Deadline to register	Register within 10 days of the inspection. Applies: The trustee or beneficiary must inspect on default before recording a notice of default. Applies if the property is found vacant. § 5.27.303 · code text If the property is found to be vacant, it is deemed to fall within the provisions of this section and shall be registered with the Director of Planning and Development Services or his or her designee within ten (10) days of inspection. Register within 10 days of the inspection that finds the property vacant. Applies: Applies to the trustee or beneficiary. A property occupied at first inspection is inspected monthly until the default is cured or it is found vacant. § 5.27.303 · code text If the property is occupied at the time of inspection, it shall be inspected on a monthly basis until (i) the default is remedied by the trustor or other party or (ii) the property is found to be vacant, at which time it shall be registered within ten (10) days.
Registration fee	No fee. Applies: Applies when registering a vacant foreclosed property. § 5.27.303 · code text No fee shall be charged for the registration of property.
Registration	The trustee or beneficiary must register the property with the Director of Planning and Development Services. Applies: Applies when the property is vacant and came under a trustee's or beneficiary's control through borrower default or foreclosure, including deeds in lieu. § 5.27.303 · code text This section shall apply to all vacant properties in the City of Clovis that have come within ownership or control of a trustee or beneficiary as a result of the default of the borrower and/or the foreclosure process.

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 Clovis?

City rule: the trustee or beneficiary registers a vacant foreclosed property within 10 days of the inspection that finds it vacant. City rule: there is no fee to register a vacant foreclosed property. City rule: designate a responsible party or agent who lives within Fresno County when no trustee or beneficiary lives there. City rule: post a street-visible sign with a 24-hour phone number, and allow City employees to enter for exterior inspection or abatement. City rule: in any vacant building, board broken windows within 24 hours, replace them within 72, remove trash within 72 and graffiti within 48.

General information, not legal advice.

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