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San Luis Obispo County Foreclosures, Bank Owned Homes, Short Sales

Along with the San Luis Obispo County foreclosure trends, statistics, housing data and demographics, you can review every preforeclosure, foreclosure or bank owned property by selecting a city or ZIP code in San Luis Obispo County from the list below. For further information on specific foreclosure properties we recommend working with a local Realtor® that uses ForeclosureRadar.com, or subscribing to ForeclosureRadar.com, the professional's foreclosure service.

Top Foreclosure ZIP codes in San Luis Obispo County

93405
93422
93446
93401
93420
93402
93433
93444
93442
93449
93445
93428

» More Zips

Top Foreclosure Cities in San Luis Obispo County

San Luis Obispo
Atascadero
Arroyo Grande
Grover Beach
Nipomo
Morro Bay
Pismo Beach
Oceano
Cambria
Templeton
Cayucos
San Miguel

Arroyo Grande
Atascadero
Cambria
Cayucos
Grover Beach
Morro Bay
Nipomo
Oceano
Pismo Beach
San Luis Obispo
San Miguel
Shandon
Templeton

» More Cities

San Luis Obispo County Foreclosure Trends

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<div align='center' style='padding: 3px; border: 1px solid #bbb; '><a href='http://www.foreclosureradar.com//california/san-luis-obispo-county-foreclosures'><img src='http://charts.foreclosureradar.com/california/san-luis-obispo-county/filings-month' alt='Graph of Foreclosure Filings in San Luis Obispo County' /></a><br><a href='http://www.foreclosureradar.com//california/san-luis-obispo-county-foreclosures'>06079 - Foreclosure Filings</a></div>

Foreclosure Filings—Notice of Default filings are the first step in the foreclosure process. Notice of Trustee Sale filings set the date and time of an auction, and serve as the homeowner's final notice before sale.

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<div align='center' style='padding: 3px; border: 1px solid #bbb; '><a href='http://www.foreclosureradar.com//california/san-luis-obispo-county-foreclosures'><img src='http://charts.foreclosureradar.com/california/san-luis-obispo-county/outcomes-month' alt='Graph of Foreclosure Outcomes in San Luis Obispo County' /></a><br><a href='http://www.foreclosureradar.com//california/san-luis-obispo-county-foreclosures'>06079 - Foreclosure Outcomes</a></div>

Foreclosure Outcomes—After the filing of a Notice of Trustee Sale, there are only three possible outcomes. First, the sale can be Cancelled for reasons that include a successful loan modification or short sale, a filing error, or a legal requirement to re-file the notice after extended postponements. Alternatively, if the property is taken to sale, the bank will place the opening bid. If a 3rd party, typically an investor, bids more than the bank's opening bid, the property will be Sold to 3rd Party; if not, it will go Back to the Bank and become part of that bank's REO inventory.

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<div align='center' style='padding: 3px; border: 1px solid #bbb; '><a href='http://www.foreclosureradar.com//california/san-luis-obispo-county-foreclosures'><img src='http://charts.foreclosureradar.com/california/san-luis-obispo-county/inventories-month' alt='Graph of Foreclosure Inventories in San Luis Obispo County' /></a><br><a href='http://www.foreclosureradar.com//california/san-luis-obispo-county-foreclosures'>06079 - Foreclosure Inventories</a></div>

Foreclosure Inventories—Preforeclosure inventory is an estimate of the number of properties that have had a Notice of Default filed against the property, but have not yet been Scheduled for Sale. The Scheduled for Sale inventory indicates those properties that have had a Notice of Trustee Sale filed, but have not yet been sold or had the sale cancelled. The Bank Owned (REO) inventory indicates the number of properties that have been sold Back to the Bank at the trustee sale, and which the bank has not yet resold to another party.

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<div align='center' style='padding: 3px; border: 1px solid #bbb; '><a href='http://www.foreclosureradar.com//california/san-luis-obispo-county-foreclosures'><img src='http://charts.foreclosureradar.com/california/san-luis-obispo-county/bids-month' alt='Graph of Foreclosure Bids in San Luis Obispo County' /></a><br><a href='http://www.foreclosureradar.com//california/san-luis-obispo-county-foreclosures'>06079 - Foreclosure Bids</a></div>

Foreclosure Bids—The Published Bid is the amount listed in the Notice of Trustee Sale and is typically the balance due at the original date of sale. The Opening Bid is the bank's starting bid at auction, and is often discounted from the Published Bid. The Winning Bid is the highest bid received at auction and reflects the amount at which the bank or 3rd party purchased the foreclosure.

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<div align='center' style='padding: 3px; border: 1px solid #bbb; '><a href='http://www.foreclosureradar.com//california/san-luis-obispo-county-foreclosures'><img src='http://charts.foreclosureradar.com/california/san-luis-obispo-county/foreclosurediscounting-month' alt='Graph of Foreclosure Discounting in San Luis Obispo County' /></a><br><a href='http://www.foreclosureradar.com//california/san-luis-obispo-county-foreclosures'>06079 - Foreclosure Discounting</a></div>

Foreclosure Discounting—This chart compares the winning Bid Amount of properties sold at trustee sale to both the outstanding Loan Amount, and the current Market Value. Banks place an Opening Bid for each property and if a 3rd Party does not make a higher bid, the property will be sold Back to Bank (REO) for the Opening Bid amount. Properties Sold to 3rd Parties will typically have Winning Bids with deeper discounts to both Loan Amount and Market Value as only low Opening Bids will attract investor interest.

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<div align='center' style='padding: 3px; border: 1px solid #bbb; '><a href='http://www.foreclosureradar.com//california/san-luis-obispo-county-foreclosures'><img src='http://charts.foreclosureradar.com/california/san-luis-obispo-county/timetoforeclose-month' alt='Graph of Time to Foreclose in San Luis Obispo County' /></a><br><a href='http://www.foreclosureradar.com//california/san-luis-obispo-county-foreclosures'>06079 - Time to Foreclose</a></div>

Time to Foreclose—The average number of days between the filing of the Notice of Default and the final sale at auction for foreclosure sales that occurred during the specified month. Time to Resell—The average number of days between the final sale at auction and when the property was resold by the bank or 3rd party.

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<div align='center' style='padding: 3px; border: 1px solid #bbb; '><a href='http://www.foreclosureradar.com//california/san-luis-obispo-county-foreclosures'><img src='http://charts.foreclosureradar.com/california/san-luis-obispo-county/beds-month' alt='Graph of Filings By Number of Bedrooms in San Luis Obispo County' /></a><br><a href='http://www.foreclosureradar.com//california/san-luis-obispo-county-foreclosures'>06079 - Filings By Number of Bedrooms</a></div>

Filings By Number of Bedrooms—The number of foreclosures that have received either a Notice of Default or Notice of Sale, shown in columns arranged by the property's number of bedrooms.

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<div align='center' style='padding: 3px; border: 1px solid #bbb; '><a href='http://www.foreclosureradar.com//california/san-luis-obispo-county-foreclosures'><img src='http://charts.foreclosureradar.com/california/san-luis-obispo-county/sqft-month' alt='Graph of Filings By Square Foot in San Luis Obispo County' /></a><br><a href='http://www.foreclosureradar.com//california/san-luis-obispo-county-foreclosures'>06079 - Filings By Square Foot</a></div>

Filings By Square Foot—The number of foreclosures that have received either a Notice of Default or Notice of Sale, shown in columns arranged by the size range of the property in square feet.

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<div align='center' style='padding: 3px; border: 1px solid #bbb; '><a href='http://www.foreclosureradar.com//california/san-luis-obispo-county-foreclosures'><img src='http://charts.foreclosureradar.com/california/san-luis-obispo-county/yrbuilt-month' alt='Graph of Filings per Year Built in San Luis Obispo County' /></a><br><a href='http://www.foreclosureradar.com//california/san-luis-obispo-county-foreclosures'>06079 - Filings per Year Built</a></div>

Filings By Year Built—The number of foreclosures that have received either a Notice of Default or Notice of Sale, shown in columns arranged by when the property was built.

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<div align='center' style='padding: 3px; border: 1px solid #bbb; '><a href='http://www.foreclosureradar.com//california/san-luis-obispo-county-foreclosures'><img src='http://charts.foreclosureradar.com/california/san-luis-obispo-county/estvalue-month' alt='Graph of By Est. Market Value in San Luis Obispo County' /></a><br><a href='http://www.foreclosureradar.com//california/san-luis-obispo-county-foreclosures'>06079 - By Est. Market Value</a></div>

Filings By Est. Market Value—The number of foreclosures that have received either a Notice of Default or Notice of Sale, shown in columns arranged by the estimated market value of the property in foreclosure.

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<div align='center' style='padding: 3px; border: 1px solid #bbb; '><a href='http://www.foreclosureradar.com//california/san-luis-obispo-county-foreclosures'><img src='http://charts.foreclosureradar.com/california/san-luis-obispo-county/loanbal-month' alt='Graph of Filings per Loan Balance in San Luis Obispo County' /></a><br><a href='http://www.foreclosureradar.com//california/san-luis-obispo-county-foreclosures'>06079 - Filings per Loan Balance</a></div>

Filings By Loan Balance—The number of foreclosures that have received either a Notice of Default or Notice of Sale, shown in columns arranged by the balance of the loan in foreclosure.

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<div align='center' style='padding: 3px; border: 1px solid #bbb; '><a href='http://www.foreclosureradar.com//california/san-luis-obispo-county-foreclosures'><img src='http://charts.foreclosureradar.com/california/san-luis-obispo-county/loandate-month' alt='Graph of Filings By Loan Origination Date in San Luis Obispo County' /></a><br><a href='http://www.foreclosureradar.com//california/san-luis-obispo-county-foreclosures'>06079 - Filings By Loan Origination Date</a></div>

Filings By Loan Origination Date—The number of foreclosures that have received either a Notice of Default or Notice of Sale, shown in columns arranged by the quarter and year in which the loan was originally made.

California Foreclosure Process

Start of foreclosure process. Initial notice recorded after borrower fails to meet the terms of their loan.
CC 2924c.(a)(1)

Sets auction date. Can be recorded 3 months after Notice of Default
CC 2924 c. (b)(1)

Initial auction date can be just 20 days after Notice of Trustees Sale is recorded.
CC 2924 f. (b)(1)

Auctions can postpone for up to one year.
CC 2924 g. (c)(1)

More information on Postponement Reasons

Transfers property to winning bidder. By default this will be the lender if no bid higher than the lender's opening bid is received.
CC 2924 h. (c)

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San Luis Obispo County Housing Data

Median House Value $513,900
Single Family 73 %
2-4 Units 8%
5+ Units 10%
Average Age 32
Owner-Occupied 61%
Median Rent $1,118

Source: 2010 ACS 5-year

San Luis Obispo County Demographics

Population

Population 265,577
Density 81 persons / Sq Mi

Ages:

0-18 19% 18-64 66% 65+ 15%

Education Attainment

High School 22%
Some College 36%
Bachelors 19%
Graduate or Professional 11%

Income

Median Household Income $57,365
Married with One Wage-Earner 25%

Work / Commuting

Working 45 %
Working in same County 89%
Avg Commute Time 20.3 min
Workers using Alternative Transportation 26%

Source: 2010 ACS 5-year

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