Arizona Foreclosure Guide
Arizona is a non-judicial (trustee sale) state. Foreclosures move quickly — typically 90 days from notice of trustee's sale to auction. Trustee sales are held Monday through Friday at the county courthouse. Arizona's anti-deficiency statute protects certain homeowners but does not affect most liens that survive the sale. Maricopa County (Phoenix metro) has some of the highest trustee sale volume in the country.
Process Type
Non-Judicial
Typical Timeline
90 days
Sale Method
Trustee sale (Mon–Fri)
Active Foreclosure Auctions
Arizona Title Risk Articles
County-Level Exceptions Investors Should Know
Statewide rules only tell part of the story. These county-level quirks catch out-of-state investors off guard.
Maricopa County
Maricopa trustee sales are conducted at specific Maricopa County Recorder locations, not the courthouse steps. Buyers must confirm the exact sale location listed in the Notice of Trustee's Sale — it changes periodically.
Pima County (Tucson)
Pima County has active PACE (Property Assessed Clean Energy) liens that are recorded as special assessments and run with the land. A PACE lien for solar or energy upgrades survives a mortgage foreclosure and becomes the buyer's responsibility.
Yavapai County
Large parcels in Yavapai County may be subject to Arizona's 'split estate' situation — federal surface-use rights, mining claims, or grazing allotments that constrain use of the property independent of who holds fee title.
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