Rhode Island Foreclosure Guide
Rhode Island permits both judicial and non-judicial (statutory power of sale) foreclosure. Non-judicial foreclosures require a 30-day notice period and public advertisement. Rhode Island has a statutory right of redemption of three years after a tax sale — one of the longest in the country for tax-deeded properties. The state is small and has a limited number of active auction counties.
Process Type
Both
Typical Timeline
60–90 days (non-judicial)
Sale Method
Public sale (advertisement)
Rhode Island 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.
Providence County (Providence)
Rhode Island's three-year tax sale redemption period is among the longest in the country. A buyer of a tax certificate in Providence must wait three years before petitioning for a tax deed — and the certificate accrues interest at 10–18% per year. Buyers of mortgage-foreclosed properties should confirm no tax certificate is outstanding.
Newport County
Newport County has significant volumes of properties with historic preservation easements, particularly in the Historic Hill District. These easements are recorded with the Preservation Society and survive foreclosure — they restrict exterior alterations and demolition rights permanently.
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