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Foreclosure and tax sales in Arizona

What our research shows about Arizona's rules. General information with sources — not legal advice, and not a reading of your papers.

BasicThe essentials, each with its source. General deadlines only.Research last reviewed 2026-09-22

Your state

How foreclosure works

Usual process: Nonjudicial (out of court)
From a reputable summary[1][2]
Allowed processes: Judicial (through court) · Nonjudicial (out of court)
From a reputable summary[1]
Main statutes: Ariz. Rev. Stat. § 33-808; Ariz. Rev. Stat. § 33-809; Ariz. Rev. Stat. § 33-811; Ariz. Rev. Stat. § 33-813; Ariz. Rev. Stat. § 33-814
From a reputable summary[1]
Typical length (estimate): About 211–245 days
About 7–8 months from the first missed payment when the servicer moves promptly (120-day federal wait + at least 91 days of notice). Judicial foreclosures take longer.
From a reputable summary[1]

+At least 120 days
Federal rule: the servicer generally cannot make the first foreclosure notice or filing until you are more than 120 days behind
Applies to most home loans in every state. A complete loss-mitigation application sent more than 37 days before a sale also triggers federal protections.
Checked against the official text12 CFR § 1024.41(f)(1)
Notice of default or breach letter
No separate state-law notice of default: the nonjudicial process starts when the trustee records the notice of sale. Your deed of trust usually requires a breach letter first.
From a reputable summary
Notice of sale — at least 91 days before the sale
The sale can be no sooner than 91 days after the notice of sale is recorded. It is mailed by certified mail within 5 business days of recording, published for four consecutive weeks, and posted on the property at least 20 days before the sale.
From a reputable summary
+At least 91 days
Foreclosure sale
Public auction on a day other than Saturday or a legal holiday, between 9:00 a.m. and 5:00 p.m. Mountain Standard Time.
From a reputable summary
No right to redeem after the sale
No redemption after a nonjudicial (trustee) sale.
From a reputable summary

A general sequence built from the rules above. "At least" periods are the shortest we found; your case can take longer.

Notice before foreclosure: No separate state-law notice of default: the nonjudicial process starts when the trustee records the notice of sale. Your deed of trust usually requires a breach letter first.
From a reputable summary[1]
Notice of sale: At least 91 daysThe sale can be no sooner than 91 days after the notice of sale is recorded. It is mailed by certified mail within 5 business days of recording, published for four consecutive weeks, and posted on the property at least 20 days before the sale.
Ariz. Rev. Stat. §§ 33-808(C)(1), 33-809(C)
From a reputable summary[1]
Publication: Newspaper for four consecutive weeks; posting on the property and at the court building.
From a reputable summary[1]
When sales happen: Public auction on a day other than Saturday or a legal holiday, between 9:00 a.m. and 5:00 p.m. Mountain Standard Time.
Ariz. Rev. Stat. § 33-808(B)
From a reputable summary[1]

Catching up (reinstatement): Until 5:00 p.m. on the last business day before the sale.
Ariz. Rev. Stat. § 33-813
From a reputable summary[1][2]
Buying the home back (redemption): NoNo redemption after a nonjudicial (trustee) sale.
Ariz. Rev. Stat. § 33-811(E)
From a reputable summary[1][2]
Owing money after the sale (deficiency): LimitedNo deficiency after a trustee sale of a single one- or two-family dwelling on 2.5 acres or less. Otherwise the lender must sue within 90 days of the sale, and the deficiency is limited by fair market value.
Ariz. Rev. Stat. § 33-814(A), (G)
From a reputable summary[1][2]
Mediation: Not researched yet for this state.

Tax sale system: Tax lien certificate sale
From a reputable summary[3]
How it works: Tax lien sales are held each February. The winning bidder pays the taxes and bids the lowest interest rate; unsold liens are assigned to the state. After the redemption period the lienholder must go to court to foreclose the right to redeem.
From a reputable summary[3]
Redeeming after a tax sale: Three years when a private buyer holds the lien (you can still redeem until judgment/deed in the foreclosure case); five years when the lien was assigned to the state.
Ariz. Rev. Stat. §§ 42-18152, 42-18206, 42-18261
From a reputable summary[3]
Relief programs: Not researched yet for this state.
Payment plans: Not researched yet for this state.
Surplus after a tax sale: Not researched yet for this state.

Federal exemption list: State list only (opted out)
This state has opted out: in bankruptcy you use the state exemption list (plus federal non-bankruptcy exemptions), not the federal § 522(d) list.
From a reputable summary[4]
Homestead exemption: $400,000 statutory base (CPI-adjusted each Jan. 1 since 2024)Home equity protected up to the statutory base of $400,000, adjusted each year for inflation; one exemption per married couple.(Ariz. Rev. Stat. § 33-1101)
From a reputable summary[5]

Free legal aid (LSC-funded): Community Legal Services, Inc.
DNA-Peoples Legal Services, Inc.
Southern Arizona Legal Aid, Inc.
Checked against the official text[7]
Legal help website: AZLawHelp.org
Checked against the official text[8]
State housing agency: Arizona Department of Housing
The official site blocked our automated check on 2026-09-22; confirm the page before relying on it.
Not confirmed — check it[6]
Attorney general / consumer protection: Arizona Attorney General — Consumer Protection
Checked against the official text[9]
Court self-help: Arizona Judicial Branch — Self-Service Center
Checked against the official text[10]
HUD-approved housing counselors: HUD-approved housing counseling agencies — Free or low-cost, HUD-approved housing counselors in every state. Call or search by ZIP code.

Retrieved 2026-09-22. Official texts are marked “official”; summaries are marked “summary”.