HOA nonjudicial foreclosure: owner's right of redemption ends 90 days after the sale
90 days after date of the association's nonjudicial foreclosure (trustee) sale, under Cal. Civ. Code 5715(b).
Rule text
(b) A nonjudicial foreclosure by an association to collect upon a debt for delinquent assessments shall be subject to a right of redemption. The redemption period within which the separate interest may be redeemed from a foreclosure sale under this paragraph ends 90 days after the sale.
Calculate this deadline
- Trigger (Date of the association's nonjudicial foreclosure (trustee) sale): Friday, November 6, 2026.
- Exclude the trigger day and count 90 calendar days: Thursday, February 4, 2027.
Cal. Civ. Code 5715(b)
(b) A nonjudicial foreclosure by an association to collect upon a debt for delinquent assessments shall be subject to a right of redemption. The redemption period within which the separate interest may be redeemed from a foreclosure sale under this paragraph ends 90 days after the sale.Official source
Cal. Code Civ. Proc. 12, 12a, 12b; Cal. Gov. Code 6800, 6707 (state agency filings); Fed. R. Civ. P. 6(a) (federal statutes and federal court filings)
CCP 12: "The time in which any act provided by law is to be done is computed by excluding the first day, and including the last, unless the last day is a holiday, and then it is also excluded." CCP 12a(a): "If the last day for the performance of any act provided or required by law to be performed within a specified period of time is a holiday, then that period is hereby extended to and including the next day that is not a holiday. For purposes of this section, “holiday” means all day on Saturdays, all holidays specified in Section 135 and, to the extent provided in Section 12b, all days that by terms of Section 12b are required to be considered as holidays." Gov. Code 6707: "When the last day for filing any instrument or other document with a state agency falls upon a Saturday or holiday, such act may be performed upon the next business day with the same effect as if it had been performed upon the day appointed." FRCP 6(a): "The following rules apply in computing any time period specified in these rules, in any local rule or court order, or in any statute that does not specify a method of computing time. (1) ... (A) exclude the day of the event that triggers the period; (B) count every day, including intermediate Saturdays, Sundays, and legal holidays; and (C) include the last day of the period, but if the last day is a Saturday, Sunday, or legal holiday, the period continues to run until the end of the next day that is not a Saturday, Sunday, or legal holiday."Official source
- Applies to assessment debts arising on or after Jan. 1, 2006 (5715(a)). Redemption procedure is governed by CCP 729.010 et seq. (not researched here). Whether the period extends if day 90 is a weekend or holiday is not addressed; CCP 12a would ordinarily extend an act's last day, but redeem by the computed day to be safe. Notice of sale must state the property is sold subject to this right. Davis-Stirling Common Interest Development Act; section added by Stats. 2012, ch. 180 (AB 805), operative Jan. 1, 2014 (no later amendment shown on leginfo as of 2026-10-27). Statutory last day rolls under CCP 12a / Civ. Code 10 if day 90 is a weekend or holiday; the unrolled date is the owner's safe date. A buyer should not treat redemption as foreclosed until the rolled date. [Validation 2026-11, Q0320. Authority: Cal. Civ. Code 5715(b); Cal. Code Civ. Proc. 12a(a); Cal. Civ. Code 10]
- If the clerk's office is closed or inaccessible on the last day (weather, emergency or local closure orders), the deadline may be extended. Check local orders.
This calculator applies the cited rules to the dates you enter. It is not legal advice. Court orders, local rules, and case-specific facts can change a deadline; verify before relying on it. Rule set pending attorney review.
Worked example
Date of the association's nonjudicial foreclosure (trustee) sale on Monday, March 15, 2027, personal service: due Sunday, June 13, 2027.
- Trigger (Date of the association's nonjudicial foreclosure (trustee) sale): Monday, March 15, 2027.
- Exclude the trigger day and count 90 calendar days: Sunday, June 13, 2027.
- That day is a Sunday, but this date is fixed by the rule and does not move: Sunday, June 13, 2027.
Unsettled points
- The calculator shows the unrolled day 90 as the owner's last day to redeem, the earlier date.Other reading: Under CCP 12a and Civ. Code 10, a weekend or holiday day 90 rolls to the next court day, so a later redemption may also be timely.
Notes
Applies to assessment debts arising on or after Jan. 1, 2006 (5715(a)). Redemption procedure is governed by CCP 729.010 et seq. (not researched here). Whether the period extends if day 90 is a weekend or holiday is not addressed; CCP 12a would ordinarily extend an act's last day, but redeem by the computed day to be safe. Notice of sale must state the property is sold subject to this right. Davis-Stirling Common Interest Development Act; section added by Stats. 2012, ch. 180 (AB 805), operative Jan. 1, 2014 (no later amendment shown on leginfo as of 2026-10-27). Statutory last day rolls under CCP 12a / Civ. Code 10 if day 90 is a weekend or holiday; the unrolled date is the owner's safe date. A buyer should not treat redemption as foreclosed until the rolled date. [Validation 2026-11, Q0320. Authority: Cal. Civ. Code 5715(b); Cal. Code Civ. Proc. 12a(a); Cal. Civ. Code 10]
Related deadlines
- HOA assessment becomes delinquent 15 days after it is due (unless the declaration provides a longer period) (15 days after)
- HOA delinquent assessment: interest (max 12 percent) may run commencing 30 days after the assessment became due (30 days after)
- HOA assessment lien: earliest date to record the notice of delinquent assessment, 30 days after the certified-mail pre-lien notice (30 days after)
- HOA assessment collection: owner mails written request to meet with board about a payment plan within 15 days of the postmark of the pre-lien notice (to trigger the 45-day meeting requirement) (15 days after)
- HOA assessment collection: board meets with owner in executive session within 45 days of the postmark of a timely payment-plan request (45 days after)
- HOA assessment lien: mail copy of recorded notice of delinquent assessment by certified mail to every owner no later than 10 calendar days after recordation (10 days after)
- HOA assessment lien: may be enforced (judicial or trustee sale) only after expiration of 30 days following recording of the lien (30 days after)
- HOA foreclosure: board vote approving foreclosure of the assessment lien must take place at least 30 days before any public sale (30 days before)
Rules current as of 2026-10-27. Confirm against the official source and any local rule or court order before relying on a date. Rules changelog.