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Foreclosures · MD

Maryland foreclosures by county

Short answer: Maryland forecloses mostly without a court case, and the process ends at a trustee sale, typically 4 to 7 months after the first filing. Filings are recorded in each county's land records office (the recorder, register of deeds or clerk, depending on the county). Below is every Maryland county, each with its own page on pre-foreclosure filings, the trustee sale and the owners to reach before it.

Counties covered

24

Each with its own foreclosure page.

Process

Non-judicial

Ends at a trustee sale.

After the sale

None after the sale

Owners can redeem until the court ratifies the sale.

Every Maryland county

Largest first, by Census population.

CountyCounty seatPopulation
Montgomery County foreclosuresRockville1,060,000
Prince George's County foreclosuresUpper Marlboro956,000
Baltimore County foreclosuresTowson855,000
Anne Arundel County foreclosuresAnnapolis594,000
Baltimore City foreclosuresBaltimore565,000
Howard County foreclosuresEllicott City335,000
Frederick County foreclosuresFrederick279,000
Harford County foreclosuresBel Air262,000
Carroll County foreclosures177,108
Charles County foreclosures174,478
Washington County foreclosures157,228
St. Mary's County foreclosures116,469
Wicomico County foreclosures106,329
Cecil County foreclosures106,305
Calvert County foreclosures94,913
Allegany County foreclosures67,097
Worcester County foreclosures54,337
Queen Anne's County foreclosures53,688
Talbot County foreclosures38,244
Caroline County foreclosures34,248
Dorchester County foreclosures33,138
Garrett County foreclosures28,393
Somerset County foreclosures25,241
Kent County foreclosures19,557

Maryland foreclosure at a glance

The essentials for finding and working foreclosures. The full process, owner rights and law detail are in the Maryland foreclosure laws guide.

Maryland foreclosure reference
ProcessNon-judicial. Most run under a power of sale, without a court case.
The auctionA trustee sale, run by the trustee named in the deed of trust.
Typical timeline4 to 7 months from first filing to sale, uncontested.
Where filings are recordedIn each county's land records office (the recorder, register of deeds or clerk, depending on the county).
RedemptionOwners can redeem until the court ratifies the sale.
DeficiencyAllowed.
DefaultMissed payments anda breach letterNoticeDefault or salenotice recorded orpublishedNotice periodThe owner can stillcure, sell ornegotiateTrustee saleThe winning biddertakes the property
The Maryland foreclosure sequence: typically 4 to 7 months from first filing to the trustee sale, uncontested. Power-of-sale foreclosures are docketed with the court, a hybrid unique to Maryland.

Maryland foreclosure FAQ

Where are Maryland foreclosure filings recorded?

Notices of default or sale are recorded in each county's land records office (the recorder, register of deeds or clerk, depending on the county), or published and posted, as state law requires. The deed after the sale is recorded in the same place. Each county page below says where to look and what each document shows.

Are Maryland foreclosure auctions sheriff sales or trustee sales?

Trustee sales. Most Maryland home loans are deeds of trust with a power of sale, so a trustee auctions the property under a published notice without a court case. The notice names the trustee, the date and the place, and sales are often postponed.

How do I get a Maryland pre-foreclosure list?

Counties record the filings but rarely publish them as a list. Pre-foreclosure lists are compiled from those records. LowBaller covers all 24 Maryland counties: scan any ZIP to see owners in pre-foreclosure and at auction, ranked by how close the trustee sale is and how much equity they hold.

How long do Maryland owners have before the trustee sale?

Typically 4 to 7 months from the first filing, uncontested. Power-of-sale foreclosures are docketed with the court, a hybrid unique to Maryland. During that time the owner keeps title and can sell, which is why the weeks after a filing are when a private offer matters most.

Can I buy a Maryland home before the foreclosure auction?

Yes, from the owner directly. Until the trustee sale the owner holds title, so a sale that pays off the loan stops the foreclosure. You can inspect and run title, which the auction rarely allows, and an owner with equity keeps the difference instead of losing it at the sale.

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See who is in pre-foreclosure in your Maryland county today.

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Informational summary, not legal advice. Foreclosure process, timelines, redemption and deficiency rules are summarized at the state level and change by statute and court rule. The published notice of sale controls every date and term. Homeowners facing foreclosure should speak with an attorney or a HUD-approved housing counselor.