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Stockton · Foreclosure & auctions

Foreclosure and auctions in Stockton

Stockton requires property classified as abandoned or vacant to be posted with the name and 24-hour phone number of the trustee, beneficiary, owner, realtor or local property manager. Foreclosure steps follow state law.

Key points

  • Posting: Abandoned or vacant property needs a sign at least 18 by 24 inches, legible from a public right of way, naming who manages it.
  • Inspections: The owner or local property manager must inspect abandoned or vacant property monthly, or more often if the City Building Official requires.
  • Securing: Windows, doors, gates and openings a child could use must be secured, broken windows re-glazed or boarded, and pools and spas fenced or secured.
  • Boarded buildings: A boarded vacant building must be rehabilitated for occupancy within 180 days after boarding, subject to exceptions under Section 15.32.030.
  • Upkeep: Any property must be free of weeds, trash, debris and graffiti, with visible front and side yards mowed and landscaped.
  • 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 Stockton 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

Stockton code What Stockton's code adds
Local contact
  • Post the name and 24-hour phone number of the trustee, beneficiary, owner, realtor or local property manager on the property.
    Applies: Applies to any property in the City classified as abandoned or vacant.
    § 15.32.050 · code text
    The property shall be posted with name and 24-hour contact phone number of the trustee, beneficiary, owner, realtor, or a local property management company.
Upkeep duties
  • The owner or local property manager must inspect monthly, or more often if the City Building Official or designee requires.
    Applies: Applies to abandoned or vacant property.
    § 15.32.060 · code text
    The owner(s) or their local property manager shall inspect the abandoned or vacant property on a monthly basis, or more frequently if required by the City Building Official or his or her designee, to ensure that the property is in compliance with the requirements of this chapter and any other applicable laws.
  • Post a sign at least 18 by 24 inches, legible from a public right of way, with the words "THIS PROPERTY MANAGED BY" and "TO REPORT PROBLEMS OR CONCERNS CALL".
    Applies: Applies to property classified as abandoned or vacant.
    § 15.32.050 · code text
    C. The property shall be posted with name and 24-hour contact phone number of the trustee, beneficiary, owner, realtor, or a local property management company. The posting shall be no less than 18 inches by 24 inches and shall be of a font that is legible from a public right of way and shall contain, along with the name and 24-hour contact number, the words "THIS PROPERTY MANAGED BY \_\_\_\_\_" and "TO REPORT PROBLEMS OR CONCERNS CALL \_\_\_\_\_." The posting shall be placed on the interior of a window facing the street to the front of the property so it is visible from the street, or secured to the exterior of the building/structure facing the street to the front of the property so it is visible from the street or, if no such area exists, on a stake of sufficient size to support the posting in a location that is visible from the street to the front of the property but not readily accessible to vandals. Exterior posting must be constructed of and printed with weather-resistant materials.
  • Keep free of weeds, dry brush, dead vegetation, trash, junk, debris, graffiti and other signs of abandonment. Mow and landscape visible front and side yards. Keep pools and spas clear, or drained and dry.
    Applies: Applies to any property in the city.
    § 15.32.040 · code text
    § 15.32.040. Maintenance requirements. Every owner, lessee, occupant, or person having charge or control of buildings, structures, or property within the City is required to maintain the building, structure or property subject to the following maintenance requirements. A. Properties must be maintained in accordance with Chapter 15.24, Property Maintenance Code. B. Any condition causing the property to constitute a dangerous building shall be immediately remedied. C. Properties must be kept free of weeds, dry brush, dead vegetation, trash, junk, debris, building materials, any accumulation of newspapers, circulars, flyers, notices, except those required by Federal, State or local law, discarded personal items including, but not limited to furniture, clothing, large and small appliances, printed material or any other items that give the appearance that the property is abandoned. D. The property shall be maintained free of graffiti, tagging or similar markings by removal or painting over with an exterior grade paint that matches the color of the exterior of the structure. E. Visible front and side yards shall be mowed, landscaped and otherwise to the satisfaction of the director of planning or his or her designee. Landscape includes, but is not limited to, grass, ground covers, bushes, shrubs, hedges or similar plantings, decorative rock or bark or artificial turf or sod designed specifically for residential installation. Weeds, gravel, broken concrete, asphalt, decomposed granite, plastic sheeting, mulch, indoor-outdoor carpet or any similar materials are not acceptable landscaping. Maintenance of landscaping includes, but is not limited to, regular watering, irrigation, cutting, pruning and mowing of required landscape and removal of all trimmings. F. Pools and spas shall be kept in working order so the water remains clear and free of pollutants and debris, or shall be drained and kept dry. G. The owner of any vacant building, whether boarded by voluntary action of the owner or as a result of enforcement activity by the City, shall rehabilitate the boarded building for occupancy, in accord with all applicable codes and regulations, within 180 days after the building is boarded, except as provided in Section 15.32.030 of this code. Adherence to this section does not relieve the property owner of any obligations set forth in any covenants, conditions and restrictions and/or homeowners' association rules and regulations which may apply to the property. (Prior code § 14-523; Ord. 009-08 C.S. § 2; Ord. 2025-11-18-1602-01, 11/18/2025)
  • Rehabilitate the boarded building for occupancy within 180 days after boarding.
    Applies: Applies to a boarded vacant building, boarded by the owner or by city enforcement. Exceptions apply under Section 15.32.030.
    § 15.32.040 · code text
    The owner of any vacant building, whether boarded by voluntary action of the owner or as a result of enforcement activity by the City, shall rehabilitate the boarded building for occupancy, in accord with all applicable codes and regulations, within 180 days after the building is boarded, except as provided in Section 15.32.030 of this code.
  • Secure windows, doors, gates and any opening a child could use. Re-glaze or board broken windows. Fence or otherwise secure pools and spas.
    Applies: Applies to property classified as abandoned or vacant.
    § 15.32.050 · code text
    § 15.32.050. Security requirements. Any property in the City classified as abandoned or vacant shall be subject to the following security requirements. A. All windows, doors (walk-through, sliding and garage), gates and any other opening of such size that it may allow a child to access the interior of the property and or structure(s) shall be secured so as to prevent access by any unauthorized person. In the case of broken windows, securing means the re-glazing or boarding of the window. B. Pools and spas shall be fenced or otherwise secured to prevent access or use by any unauthorized person. C. The property shall be posted with name and 24-hour contact phone number of the trustee, beneficiary, owner, realtor, or a local property management company. The posting shall be no less than 18 inches by 24 inches and shall be of a font that is legible from a public right of way and shall contain, along with the name and 24-hour contact number, the words "THIS PROPERTY MANAGED BY \_\_\_\_\_" and "TO REPORT PROBLEMS OR CONCERNS CALL \_\_\_\_\_." The posting shall be placed on the interior of a window facing the street to the front of the property so it is visible from the street, or secured to the exterior of the building/structure facing the street to the front of the property so it is visible from the street or, if no such area exists, on a stake of sufficient size to support the posting in a location that is visible from the street to the front of the property but not readily accessible to vandals. Exterior posting must be constructed of and printed with weather-resistant materials. (Prior code § 14-524; Ord. 009-08 C.S. § 2; Ord. 2025-11-18-1602-01, 11/18/2025)

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 Stockton?

Abandoned or vacant property needs a sign at least 18 by 24 inches, legible from a public right of way, naming who manages it. The owner or local property manager must inspect abandoned or vacant property monthly, or more often if the City Building Official requires. Windows, doors, gates and openings a child could use must be secured, broken windows re-glazed or boarded, and pools and spas fenced or secured. A boarded vacant building must be rehabilitated for occupancy within 180 days after boarding, subject to exceptions under Section 15.32.030. Any property must be free of weeds, trash, debris and graffiti, with visible front and side yards mowed and landscaped.

General information, not legal advice.

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