Alabama Foreclosure Guide
Alabama uses non-judicial foreclosure — lenders may sell under a power of sale clause in the mortgage or deed of trust without court action. The statutory redemption period is one year, during which the former owner may reclaim the property by paying the foreclosure price plus interest. Tax lien sales are separate and can result in a tax deed if unredeemed.
Process Type
Non-Judicial
Typical Timeline
60–90 days (+ 1-yr redemption)
Sale Method
Trustee/public sale
Alabama Title Risk Articles
State-specific articles coming soon — check back as our foreclosure title guide library grows.
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.
Jefferson County (Birmingham)
Jefferson County emerged from the largest municipal bankruptcy in US history (2011). Sewer lien obligations and infrastructure assessments on properties in the system remain sensitive and may require extra due diligence on utility-related encumbrances.
Mobile County
Mobile has a Spanish land grant legacy — some historic parcels have title chains rooted in Spanish colonial grants that require abstractor expertise rather than standard title plant searches.
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