Iowa Code

Iowa Code § 628.5 (2026)

Redemption by creditors

✓ current as of July 2026

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If redemption is not made by the debtor as provided in section 628.3, thereafter, and at any time within nine months from the day of sale, redemption may be made by a mortgagee before or after the debt secured by the mortgage falls due, or by any creditor whose claim becomes a lien prior to the expiration of the time allowed for redemption. [C51, §1927, 1928; R60, §3333, 3334; C73, §3103, 3104; C97, §4046; C24, 27, 31, 35, 39, §11776; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §628.5] 2019 Acts, ch 59, §206 Referred to in §535.8, 628.26, 628.27, 628.28

Notes of Decisions

Cited in 9 cases, 1983–2006 · leading case: Farmers Prod. Credit Ass'n v. McFarland, 374 N.W.2d 654 (Iowa 1985).

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Farmers Prod. Credit Ass'n v. McFarland, 374 N.W.2d 654 (Iowa 1985). · cites it 18× “Iowa Code § 628.5 . A creditor's period of redemption is either after six months and within nine months from the date of sale pursuant to section 628.”

Olympus Aluminum Prods., Inc. v. Kehm Enter., Ltd., 930 F. Supp. 1295 (N.D. Iowa 1996). · cites it 9× “by any creditor whose claim becomes a lien prior to the expiration of the time allowed for such re *1314 demption.” Iowa Code § 628.6 simply eliminates from the class of lienholders entitled to redeem under § 628.”

Croskey v. Phillips, 608 N.W.2d 475 (Iowa 2000). · cites it 2× “[[Image here]] Iowa Code section 628.5: If no redemption is made by the debt- or as above provided, thereafter, and at any time within nine months from the day of sale, said redemption may be made by a mortgagee before or after the debt secured by the mortgage falls due, or by…”

In Re Litwiller, 357 B.R. 523 (Bankr. D. Iowa 2006). · cites it 2× “Iowa Code § 628.5 . Statutory redemption must be exercised "within the period, and in the manner, prescribed by the statute creating it.”

Powell v. Grewing, 562 N.W.2d 761 (Iowa 1997). “§§ 628.5 (redemption by lienholder), .13 (redemption by titleholder).”

Eide v. Wollesen, 357 B.R. 523 (Bankr. D. Iowa 2006). · cites it 2× “Iowa Code § 628.5 . Statutory redemption must be exercised “within the period, and in the manner, prescribed by the statute creating it.”

Fed. Land Bank of Omaha v. Fuoss, 428 N.W.2d 287 (Iowa 1988). · cites it 5× “On appeal, Fuoss argues that (1) the attempted redemption by FmHA, ten months after sheriff’s sale, was untimely under Iowa Code sections 628.5 and .15 (1985); (2) Fuoss should have been permitted to redeem one of the two parcels of land, which had been sold separately at the…”

Blue v. Oehlert, 331 N.W.2d 112 (Iowa 1983). · cites it 2× “Section 628.5 allows lien creditors to redeem after six months and “within nine months” from the date of sale.”

Veninga v. Valley State Bank of Rock Valley, 443 N.W.2d 721 (Iowa 1989). · cites it 2× “Iowa Code § 628.5 . By virtue of such a redemption, Valley would be entitled to “the property absolutely,” provided Veninga did not redeem within one year after the sheriff’s sale.”

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