Foreclosures · NY
New York foreclosures by county
Short answer: New York forecloses through the courts, and the process ends at a foreclosure auction, typically 15 to 30+ 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 New York county, each with its own page on pre-foreclosure filings, the foreclosure auction and the owners to reach before it.
Counties covered
62
Each with its own foreclosure page.
Process
Judicial
Ends at a foreclosure auction.
After the sale
None after the sale
None after the auction; owners can redeem any time before it.
Every New York county
Largest first, by Census population.
New York foreclosure at a glance
The essentials for finding and working foreclosures. The full process, owner rights and law detail are in the New York foreclosure laws guide.
| Process | Judicial. Every residential foreclosure runs through the courts. |
|---|---|
| The auction | A public foreclosure auction, run by the officer state law assigns and named in the notice of sale. |
| Typical timeline | 15 to 30+ months from first filing to sale, uncontested. |
| Where filings are recorded | In each county's land records office (the recorder, register of deeds or clerk, depending on the county). |
| Redemption | None after the auction; owners can redeem any time before it. |
| Deficiency | Allowed with fair-value offsets. |
New York foreclosure FAQ
Where are New York foreclosure filings recorded?
The lis pendens is recorded in each county's land records office (the recorder, register of deeds or clerk, depending on the county), and the case itself sits on the docket of the court that hears it. 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 New York foreclosure auctions sheriff sales or trustee sales?
Neither name fits exactly. New York auctions are run by whoever state law assigns to the process, and the published notice of sale names that officer along with the date, time, place and terms. Search the county page for where those notices appear.
How do I get a New York 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 62 New York counties: scan any ZIP to see owners in pre-foreclosure and at auction, ranked by how close the foreclosure auction is and how much equity they hold.
How long do New York owners have before the foreclosure auction?
Typically 15 to 30+ months from the first filing, uncontested. Mandatory settlement conferences and crowded dockets make New York the longest foreclosure state. 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 New York home before the foreclosure auction?
Yes, from the owner directly. Until the foreclosure auction 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.
Keep going
See who is in pre-foreclosure in your New York county today.
Scan your market freeInformational 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.