Salt Lake County Foreclosure Resources
Complete guide to the foreclosure process in Salt Lake County, Utah. Courthouse addresses, filing procedures, timelines, mediation options, and local legal aid — everything you need to defend your home.
Response within 24 hours
Foreclosure Type
Non-Judicial
Avg. Timeline
120+ days (3-month default period)
Mediation
Not Mandatory
Population
1.2 million
Salt Lake County Foreclosure Timeline
Utah is primarily a non-judicial foreclosure state. The process moves outside the court system through a trustee — and it moves fast. Understanding each phase is critical.
The trustee records and mails a notice of default at least 3 months before the sale. This is the longest single window in Utah's process and your best opportunity to cure, reinstate, or negotiate a modification. Do not let it lapse.
The trustee records the notice of sale, publishes it three times, and posts it as required by statute. Strict compliance with Utah's detailed notice requirements is enforceable — failures can delay or void the sale.
The non-judicial trustee sale is held at a designated time and place in the county. Utah provides no statutory right of redemption after the sale, and — for almost all residential trust-deed foreclosures — no deficiency judgment either.
Courthouse & County Offices
Salt Lake County Courthouse / Third District Court
450 S State St, Salt Lake City, UT 84111
(801) 238-7300
Mon–Fri 8:00AM–5:00PM
Matheson Courthouse (Scott M. Matheson Courthouse)
450 S State St, Salt Lake City, UT 84114
(801) 238-7300
Mon–Fri 8:00AM–5:00PM
Clerk of Court
Salt Lake County Clerk
Processes county records and election-related filings; judicial foreclosure filings are handled through the Third District Court.
County Recorder
Salt Lake County Recorder's Office
Sheriff / Sale Info
Salt Lake County Sheriff's Office — Civil
2001 S State St, Salt Lake City, UT 84190
(801) 743-7000
Utah's non-judicial trustee sale is conducted by the trustee, not the Sheriff. After the sale, the Sheriff executes any writ for possession for the new owner.
Is Mediation Available?
Utah does not mandate a statewide foreclosure mediation program, but Utah Housing Corporation provides foreclosure-prevention counseling and resources. Your strongest protections are the 3-month default notice window and Utah's protection against deficiencies after a non-judicial sale.
Filing Requirements
- •Notice of default recorded and mailed at least 3 months before the sale
- •Notice of trustee sale recorded, published 3 times, and posted
- •Compliance with Utah's detailed notice requirements under § 57-1-19 and related statutes
- •Non-judicial trustee sale held at a designated time and place in the county
- •No statutory redemption after the sale
- •No deficiency after non-judicial foreclosure for almost all residential loans
Key Statutes
Utah Code § 57-1-19
Utah Code Ann. § 57-1-19
Governs the non-judicial trustee foreclosure process and notice requirements for Utah trust deeds.
Utah Code § 57-1-32
Utah Code Ann. § 57-1-32
Anti-deficiency: after a non-judicial trust-deed foreclosure, the sale satisfies the debt — no deficiency judgment.
Utah Code §§ 57-1-19 to 57-1-38
Utah Code Ann. §§ 57-1-19 to 57-1-38
The trustee sale and foreclosure articles setting out Utah's detailed notice process.
Right of Redemption
Utah provides no statutory right of redemption after a non-judicial trust-deed foreclosure — the sale is final. Your strongest window is the 3-month default notice period, during which you can cure, reinstate, or negotiate a modification before the sale takes place.
Deficiency Judgments
Utah is one of the most protective states for homeowners: under Utah Code § 57-1-32, after a non-judicial trust-deed foreclosure the sale satisfies the debt and the lender CANNOT pursue a deficiency. This means you lose the home but owe nothing further. Judicial foreclosure (rare for residential) may allow a deficiency, which is why knowing the type matters.
Legal Aid
Frequently Asked Questions
How long do I have in a Salt Lake County foreclosure?+
Utah requires at least 3 months between recording/mailing the notice of default and the sale — the longest default window of many states. In practice the timeline spans roughly 120 days or more. Use this time for loss mitigation.
Where is the Salt Lake trustee sale held?+
Utah's non-judicial trustee sales are held at a designated time and place in the county. Salt Lake trustees commonly hold sales at the county courthouse / Matheson Courthouse on S State St.
Am I protected from a deficiency in Utah?+
Yes. After a non-judicial trust-deed foreclosure (how nearly all Utah residential foreclosures proceed), Utah Code § 57-1-32 prohibits a deficiency — the sale satisfies the debt and you owe nothing further.
Can I reinstate my Utah loan?+
Yes, during the default period. Utah's 3-month default notice window is designed to let you cure the default, reinstate the loan, or negotiate a modification. Reaching out early is critical.
Where can I get free help in Salt Lake County?+
Utah Legal Services and Utah Housing Corporation provide free help to qualifying residents. Start with a HUD-approved housing counselor immediately.
More Resources for Salt Lake County Homeowners
Utah Foreclosure Laws
Complete state-level guide to foreclosure laws, timelines, and homeowner protections.
Foreclosure Defense
Comprehensive defense strategies to stop or delay foreclosure in any U.S. county.
Free Case Review
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