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Foreclosure & tax sales · 5 statesRight of redemption: when the former owner can take the property back

A buyer at a foreclosure or tax sale does not always get final ownership at once. Minnesota: after a mortgage foreclosure sale the owner can redeem within six months – twelve in listed cases such as older or farm mortgages – by paying the sale price plus interest (Minn. Stat. §580.23). Michigan: one year by default, six months for most homes of up to four units where more than two-thirds of the loan was owed, one month or 30 days if abandoned (MCL 600.3240). California: a judicial foreclosure sold subject to redemption can be redeemed within three months if the sale paid the debt, or one year if it did not (Code Civ. Proc. §§729.010, 729.030). Florida: redemption ends when the clerk files the certificate of sale (§45.0315). Texas tax sales: a homestead or farm owner has two years after the deed is recorded, paying a 25% premium in year one and 50% in year two; other property, 180 days (Tax Code §34.21).

Redemption period after the sale

  1. Minnesota (§580.23)

    6 months after a mortgage foreclosure sale; 12 months in listed cases (e.g. pre-1967 mortgages, less than 2/3 of principal owed, larger or agricultural parcels). Price plus interest.

  2. Michigan (MCL 600.3240)

    1 year default; 6 months for 1–4 unit homes with more than 2/3 of the loan owed and for commercial property; 1 month or 30 days if abandoned; 1 year for agricultural.

  3. California (CCP §§729.010, 729.030)

    Judicial foreclosure sold subject to redemption: 3 months if the sale covered the debt, 1 year if not.

  4. Florida (§45.0315)

    Only until the clerk files the certificate of sale, or later if the judgment says so; then no right of redemption.

  5. Texas tax sale (Tax §34.21)

    Homestead, farm land or minerals: 2 years after the deed is recorded, 25% premium in year 1, 50% in year 2. Other property: 180 days, premium up to 25%.

Before buying at a foreclosure or tax sale

  • Find out whether the sale is subject to redemption and when the period ends.
  • Budget for carrying costs you may not recover if the owner redeems.
  • Plan improvements and resale only after the redemption period has run.
  • Ask the title company whether it will insure before the period ends.

What the TC tracks on a resale

  • The sale date or deed recording date and the redemption end date.
  • The sheriff's certificate, deed and any affidavit of the redemption amount.
  • Title commitment requirements tied to the redemption period.

Questions buyers ask

Can the owner get the house back after a foreclosure sale?

In some states, yes, during a redemption period: for example six months in Minnesota and many Michigan home loans, by paying the sale price plus interest.

How long is the redemption period after a Texas tax sale?

Two years for a residence homestead or agricultural land, with a 25% premium in the first year and 50% in the second; 180 days for other property (Tax Code §34.21).

Is there a right of redemption in Florida after a foreclosure sale?

Not after the clerk files the certificate of sale, unless the judgment allows a later time (Fla. Stat. §45.0315).

Related guides

Put the redemption end date on the deal as a task with an owner and due date in ClosingCode, so resale and improvement plans wait for it.

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Sources: Minn. Stat. §580.23; MCL 600.3240; Cal. Code Civ. Proc. §§729.010, 729.030; Fla. Stat. §45.0315; Tex. Tax Code §34.21 (official statute sites, read October 25, 2026).

General information, not legal advice. ClosingCode is software; it is not a law firm or brokerage.