Colorado Foreclosure Guide
Colorado is a non-judicial foreclosure state using a public trustee system — each county has an elected or appointed public trustee who conducts sales. The process takes approximately 110–125 days from filing to sale. Colorado has a statutory right of redemption of 75 days for junior lienholders after the sale. Property tax liens are super-priority and accrue significant penalties.
Process Type
Non-Judicial
Typical Timeline
110–125 days
Sale Method
Public Trustee sale
Colorado Title Risk Articles
When Denver County HOA Foreclosures Leave the First Mortgage Intact
Colorado's HOA super-lien covers only six months of assessments. In Denver County, buying at an HOA foreclosure sale rarely extinguishes the first deed of trust.
Larimer County Tax Lien Certificates: Why Redemption Records Can Derail Your Treasurer's Deed Application
In Larimer County, a partial redemption or payment plan you didn't know about can void your tax lien certificate investment and delay deed acquisition by years.
Jefferson County Colorado Public Trustee Sales: Understanding Lien Priority and Bid Record Access
Colorado's unique public trustee foreclosure system in Jefferson County creates specific lien priority rules and bid record sources investors must verify.
Colorado DOLA Loans: The Rural Housing Lien with a Right of First Refusal That Can Derail Your Foreclosure Purchase
Colorado DOLA housing loans carry a silent lien and right of first refusal that survives foreclosure—and most title searches miss it entirely.
Colorado Public Trustee Sales: The IRS Redemption Right That Can Unwind Your Purchase
In Colorado, the IRS has 120 days post-sale to redeem properties sold at public trustee auctions—a right that survives foreclosure and can cost investors their entire purchase.
When Your Colorado Parcel Becomes a Density Donor: TDR Encumbrances That Survive Foreclosure
Colorado TDR conservation easements permanently strip development potential from your parcel — and they survive tax sales. Here's what auction bidders miss.
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.
Denver County
Denver has enacted its own Tenant Protection Ordinance requiring relocation assistance for certain no-fault evictions. Foreclosure buyers inheriting tenants must comply with these local rules on top of state law.
Eagle County (Vail area)
Many properties in Eagle County are subject to resort-area deed restrictions, including affordable housing deed restrictions recorded by Eagle County or the Town of Vail. These deed restrictions survive foreclosure and can limit resale price or require owner-occupancy.
Weld County
Weld County has significant oil and gas production. Surface ownership and mineral ownership are frequently severed. A deed of trust forecloses only the surface interest unless the mortgage expressly encumbers minerals — buyers must search separately for mineral title.
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