628.28 Redemption of property not used for agricultural or certain residential purposes. 1. If real property is not used for agricultural purposes, as defined in section 535.13, and is not the residence of the debtor, or if it is the residence of the debtor but not a single-familyor two-family dwelling, then the period of redemption after foreclosure is one hundredeighty days. For the first ninety days after the sale the right of redemption is exclusive tothe debtor and the time periods provided in sections 628.5, 628.15, and 628.16 are reducedto one hundred thirty-five days. If a deficiency judgment has been waived the period ofredemption is reduced to ninety days. For the first thirty days after the sale the redemptionis exclusively the right of the debtor and the time periods provided in sections 628.5, 628.15,and 628.16 are reduced to sixty days. 2. If real property is not used for agricultural purposes, as defined in section 535.13, and is a single-family or two-family dwelling which is the residence of the debtor at the timeof foreclosure but the court finds that after foreclosure the dwelling has ceased to be theresidence of the debtor and if there are no junior creditors, hich is the residence of the debtor at the timeof foreclosure but the court finds that after foreclosure the dwelling has ceased to be theresidence of the debtor and if there are no junior creditors, the court shall order the periodof redemption reduced to thirty days from the date of the court order. If there is a juniorcreditor, the court shall order the redemption period reduced to sixty days. For the first thirtydays redemption is the exclusive right of the debtor and the time periods provided in sections628.5, 628.15, and 628.16 are reduced to forty-five days. 84 Acts, ch 1116, §1; 85 Acts, ch 195, §58; 87 Acts, ch 98, §3; 2023 Acts, ch 64, §97Referred to in §654.1ASection amended Sat Dec 23 11:22:27 2023 Iowa Code 2024, Section 628.28 (18, 1)
Iowa Legal Code