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111 new this week Next auction Thu, Oct 29

State Info

4,070 listings in Iowa

Foreclosure Homes in Iowa

There are currently 4,070 foreclosure homes listed in Iowa. Buying a distressed property in Iowa can save you as much as 50 percent compared to a traditional sale. Along with bank-owned foreclosures, you can browse rent-to-own homes, short sales, preforeclosures, bankruptcies and government-owned listings such as HUD, Fannie Mae and Freddie Mac. Pick a city or county below to see every distressed listing in Iowa.

111 new Added this week in Iowa

See all 111 new listings
  1. Property in Stuart, IA 50250 NEW Foreclosure Est. $210K Stuart, IA 50250 3 bd, 3 ba
  2. Property in Carter Lake, IA 51510 NEW Preforeclosure Price coming soon Carter Lake, IA 51510
  3. Property in Dallas Center, IA 50063 NEW Preforeclosure Est. $139K Dallas Center, IA 50063 4 bd, 1.0 ba
  4. Property in Johnston, IA 50131 NEW Preforeclosure Price coming soon Johnston, IA 50131
  5. Property in Cedar Rapids, IA 52401 NEW Preforeclosure Est. $62K Cedar Rapids, IA 52401
  6. Property in Waukee, IA 50263 Added yesterday Preforeclosure Price coming soon Waukee, IA 50263
  7. Property in Davenport, IA 52802 Added yesterday Bankruptcy Price coming soon Davenport, IA 52802
  8. Property in Fort Dodge, IA 50501 Added yesterday Bankruptcy Est. $131K Fort Dodge, IA 50501 2 bd, Single-Family
  9. Property in Hiawatha, IA 52233 Added yesterday Bankruptcy Price coming soon Hiawatha, IA 52233
  10. Property in Marion, IA 52302 Added yesterday Bankruptcy Price coming soon Marion, IA 52302
Most new in

Upcoming Iowa auctions

See all 40 homes at auction this week
  1. Butler County 1 home, today
  2. Chickasaw County 1 home, today
  3. Dubuque County 1 home, today
  4. Delaware County 1 home, tomorrow

Iowa Foreclosure Laws

Iowa primarily uses judicial foreclosure, meaning the lender must file a case in court. Most loans are secured by mortgages. The process often takes many months from filing to sale because of required notices and court schedules. Some redemption rights may exist after sale in certain situations, and deficiency balances may also be pursued.

Foreclosure type
Judicial (with redemption)
Typical timeline
6-12 months typical
Deficiency judgment
Deficiency waived if lender elects foreclosure without redemption
Redemption period
Redemption usually 6-12 months.
Process and statute references
  • Mortgage Instrument Security Type
    Mortgage. Deeds of trust are not standard.
  • Process Summary
    Iowa uses judicial foreclosure. Borrowers often have redemption rights unless waived, which can extend the timeline before sale.
  • Notice / Timing Statute
    Iowa Code § 654.1 et seq. (judicial foreclosure process)
  • Redemption Statute(s)
    Iowa Code § 628.3, § 628.26 (redemption period 6 months to 1 year)
  • Deficiency Statute(s)
    Iowa Code § 654.26 (deficiency waived if no redemption right)

How to Buy a Foreclosure in Iowa

In Iowa, identify foreclosure properties by reviewing county sheriff' sale notices, MLS, and local publications. Iowa' judicial foreclosures include redemption periods, so understand applicable timelines. Secure your financing upfront. Conduct title and condition research. Participate in the sheriff' sale or negotiate with the lender for an REO sale.

What type of foreclosure is used in Iowa?
The type of foreclosure in Iowa is Judicial (with redemption)
Is there a redemption period in Iowa?
Redemption usually 6-12 months.
Are deficiency judgments allowed in Iowa?
Deficiency waived if lender elects foreclosure without redemption in Iowa
How do you buy a foreclosure in Iowa?
In Iowa, identify foreclosure properties by reviewing county sheriff' sale notices, MLS, and local publications.

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