Foreclosures · VT
Vermont foreclosures by county
Short answer: Vermont forecloses through the courts, and the process ends at a foreclosure auction, typically 7 to 12 months after the first filing. Filings are recorded in the land records kept by each town or city clerk. Below is every Vermont county, each with its own page on pre-foreclosure filings, the foreclosure auction and the owners to reach before it.
Counties covered
14
Each with its own foreclosure page.
Process
Judicial
Ends at a foreclosure auction.
After the sale
None after the sale
6 months by default, and courts commonly shorten it.
Every Vermont county
Largest first, by Census population.
| County | County seat | Population |
|---|---|---|
| Chittenden County foreclosures | Burlington | 169,000 |
| Rutland County foreclosures | Rutland | 60,000 |
| Washington County foreclosures | Montpelier | 59,000 |
| Windsor County foreclosures | 57,697 | |
| Franklin County foreclosures | 51,066 | |
| Windham County foreclosures | 45,627 | |
| Addison County foreclosures | 38,047 | |
| Bennington County foreclosures | 37,039 | |
| Caledonia County foreclosures | 30,535 | |
| Orange County foreclosures | 30,050 | |
| Orleans County foreclosures | 27,726 | |
| Lamoille County foreclosures | 26,248 | |
| Grand Isle County foreclosures | 7,528 | |
| Essex County foreclosures | 6,037 |
Vermont foreclosure at a glance
The essentials for finding and working foreclosures. The full process, owner rights and law detail are in the Vermont 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 | 7 to 12 months from first filing to sale, uncontested. |
| Where filings are recorded | In the land records kept by each town or city clerk. |
| Redemption | 6 months by default, and courts commonly shorten it. |
| Deficiency | Allowed. |
Vermont foreclosure FAQ
Where are Vermont foreclosure filings recorded?
The lis pendens is recorded in the land records kept by each town or city clerk, 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 Vermont foreclosure auctions sheriff sales or trustee sales?
Neither name fits exactly. Vermont 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 Vermont 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 14 Vermont 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 Vermont owners have before the foreclosure auction?
Typically 7 to 12 months from the first filing, uncontested. Both strict foreclosure and foreclosure by sale survive; the redemption runs before final judgment. 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 Vermont 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 Vermont 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.