Revised Code of Washington

Wash. Rev. Code § 6.23.020 (2026)

✓ current as of May 2026

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(1) Unless redemption rights have been precluded pursuant to RCW 61.12.093 et seq., the judgment debtor or any redemptioner may redeem the property from the purchaser at any time (a) within eight months after the date of the sale if the sale is pursuant to judgment and decree of foreclosure of any mortgage executed after June 30, 1961, which mortgage declares in its terms that the mortgaged property is not used principally for agricultural or farming purposes, and in which complaint the judgment creditor has expressly waived any right to a deficiency judgment, or (b) otherwise within one year after the date of the sale.

(2) The person who redeems from the purchaser must pay: (a) The amount of the bid, with interest thereon at the rate provided in the judgment to the time of redemption, together with (b) the amount of any assessment or taxes which the purchaser has paid thereon after purchase, and like interest on such amount from time of payment to time of redemption, together with (c) any sum paid by the purchaser on a prior lien or obligation secured by an interest in the property to the extent the payment was necessary for the protection of the interest of the judgment debtor or a redemptioner, and like interest upon every payment made from the date of payment to the time of redemption, and (d) if the redemption is by a redemptioner and if the purchaser is also a creditor having a lien, by judgment, decree, deed of trust, or mortgage, prior to that of the redemptioner, other than the judgment under which such purchase was made, the redemptioner shall also pay the amount of such lien with like interest: PROVIDED, HOWEVER, That a purchaser who makes any payment as mentioned in (c) of this subsection shall submit to the sheriff the affidavit required by RCW 6.23.080, and any purchaser who pays any taxes or assessments or has or acquires any such lien as mentioned in (d) of this subsection must file the statement required in RCW 6.23.050 and provide evidence of the lien as required by RCW 6.23.080.

[ 1987 c 442 s 702; 1984 c 276 s 4; 1965 c 80 s 4; 1961 c 196 s 1; 1899 c 53 s 8; RRS s 595. Formerly RCW 6.24.140.]

Notes:

Application—1984 c 276: See note following RCW 6.21.020.

Notes of Decisions

Cited in 42 cases (11 in the last 5 years), 1988–2026 · leading case: Performance Constr., App/cross-resp v. David Keene, Resp/cross-app, 380 P.3d 618 (Wash. Ct. App. 2016).

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Performance Constr., App/cross-resp v. David Keene, Resp/cross-app, 380 P.3d 618 (Wash. Ct. App. 2016). · cites it 6× “An offer is qualifying if the offer is made during the redemption period through a licensed real estate broker listing the property and is at least equal to the sum of: (a) One hundred twenty percent greater than the redemption amount determined under RCW 6.23.020 and (b) the…”

P.H.T.S., LLC v. Vantage Capital, LLC, 345 P.3d 20 (Wash. Ct. App. 2015). · cites it 7× “¶14 The statute defines a “qualifying offer” as an offer (1) made during the redemption period, (2) made through a licensed real estate broker listing the property, and (3) at least equal to the sum of “[o]ne hundred twenty percent greater than the redemption amount” under RCW…”

Klem v. Washington Mut. Bank, 295 P.3d 1179 (Wash. 2013). “010; RCW 6.23.020(1). In a nonjudicial foreclosure, the trustee undertakes the role of the judge as an impartial third party who owes a duty to both parties to ensure that the rights of both the beneficiary and the debtor are protected.”

Donovick v. Seattle-First Nat'l Bank, 757 P.2d 1378 (Wash. 1988). · cites it 2× “RCW 6.23.020. Since sale under a decree of foreclosure is a forced sale, the state constitution requires that a certain portion of the value of residential property be preserved to the borrower as homestead.”

BAC Home Loans Servicing, LP v. Fulbright, 328 P.3d 895 (Wash. 2014). “RCW 6.23.020. ¶10 Looking at our earlier example and applying the redemption statute, if Bank A obtains and records its lien on day one and Bank B obtains and records its lien on day two, Bank A will be the senior lienholder and Bank B’s interest in the land will be junior to…”

Washington Fed. v. Harvey, 340 P.3d 846 (Wash. 2015). “RCW 6.23.020. Since sale under a decree of foreclosure is a forced sale, the state constitution requires that a certain portion of the value of residential property be preserved to the borrower as homestead.”

Minnwest Bank Cent. v. Flagship Props. LLC, 689 N.W.2d 295 (Minn. Ct. App. 2004). “69(j)(3); Wash. Rev. Code Ann. § 6.23.020 (2) (West 1995 & Supp.”

Worden v. Smith, 314 P.3d 1125 (Wash. Ct. App. 2013). “In calculating the redemption amount, it recognized that any taxes paid by KAL Farms (together with interest thereon) should also be included under the applicable statute, RCW 6.23.020, but it noted that no taxes had been paid.”

Washington Mut. Sav. Bank v. United States, 800 P.2d 1124 (Wash. 1990). · cites it 2× “[8] RCW 6.23.020; see also 2 Washington State Bar Ass'n, Real Property Desk-book § 41.”

Ocwen Loan Servicing, LLC, Appellant, v. Michael E. Bauman Et Al., Respondents, 195 Wash. App. 763 (Wash. Ct. App. 2016). · cites it 2× “CONCLUSION ¶24 Because a trial court may not provide equitable rights expanding a statutory grant of the substantive right to redeem property, the trial court erred when it concluded that Ocwen had an equitable right to redeem the properties within two years.”

Dynamic Funding, Llc v. Seawind Homeowners Ass'n (Wash. Ct. App. 2017). · cites it 12× “An offer is qualifying if the offer is made during the redemption period through a licensed real estate broker listing the property and is at least equal to the sum of:(a) One hundred twenty percent greater than the redemption amount determined under RCW 6.23.020 and (b)the…”

Graham v. Findahl, 93 P.3d 977 (Wash. Ct. App. 2004). · cites it 4× “3 *466 An offer is qualifying if the offer is made: • during the redemption period • through a licensed real estate broker listing the property • and is at least equal to the sum of: (a) One hundred twenty percent greater than the redemption amount determined under RCW 6.23.020…”

Show all 42 citing cases →

— Wash. Rev. Code § 6.23.020(1) — 15 cases

Performance Constr., App/cross-resp v. David Keene, Resp/cross-app, 380 P.3d 618 (Wash. Ct. App. 2016). “An offer is qualifying if the offer is made during the redemption period through a licensed real estate broker listing the property and is at least equal to the sum of: (a) One hundred twenty percent greater than the redemption amount determined under RCW 6.23.020 and (b) the…”

Capital Inv. Corp. v. King Cnty., 47 P.3d 161 (Wash. Ct. App. 2002).

Performance Constr., Llc v. Change Investments & Cascades Concepts (Wash. Ct. App. 2018).

Pnc Bank Na v. Jerry Reeves (Wash. Ct. App. 2018).

— Wash. Rev. Code § 6.23.020(1)(b) — 5 cases

Dynamic Funding, Llc v. Seawind Homeowners Ass'n (Wash. Ct. App. 2017). “An offer is qualifying if the offer is made during the redemption period through a licensed real estate broker listing the property and is at least equal to the sum of:(a) One hundred twenty percent greater than the redemption amount determined under RCW 6.23.020 and (b)the…”

Pnc Bank Na v. Jerry Reeves (Wash. Ct. App. 2018).

Redmond Ridge East Homeowners Ass'n, Resp. v. Jayakrishnan Nair, Apps. (Wash. Ct. App. 2020).

Cottages At The Heights Condo Owners Assoc. v. Jayakrishnan K. Nair, Et Ano (Wash. Ct. App. 2021).

Deutsche Bank Nat'l Trust Co., V. John E. Erickson & Shelley A. Erickson (Wash. Ct. App. 2023).

— Wash. Rev. Code § 6.23.020(2) — 13 cases

P.H.T.S., LLC v. Vantage Capital, LLC, 345 P.3d 20 (Wash. Ct. App. 2015). “¶14 The statute defines a “qualifying offer” as an offer (1) made during the redemption period, (2) made through a licensed real estate broker listing the property, and (3) at least equal to the sum of “[o]ne hundred twenty percent greater than the redemption amount” under RCW…”

Pnc Bank Na v. Jerry Reeves (Wash. Ct. App. 2018).

Joyous Investments, Llc, V. Jayakrishnan Nair (Wash. Ct. App. 2022).

— Wash. Rev. Code § 6.23.020(2)(c) — 1 case

Joyous Investments, Llc, V. Jayakrishnan Nair (Wash. Ct. App. 2022).

— Wash. Rev. Code § 6.23.020(2)(d) — 4 cases

Capital Inv. Corp. v. King Cnty., 47 P.3d 161 (Wash. Ct. App. 2002).

P.h.t.s., Llc, Resp. v. Vantage Capital, Llc, App. (Wash. Ct. App. 2015).

— Wash. Rev. Code § 6.23.020(l)(a) — 1 case

— Wash. Rev. Code § 6.23.020(l)(b) — 4 cases

Ocwen Loan Servicing, LLC, Appellant, v. Michael E. Bauman Et Al., Respondents, 195 Wash. App. 763 (Wash. Ct. App. 2016). “CONCLUSION ¶24 Because a trial court may not provide equitable rights expanding a statutory grant of the substantive right to redeem property, the trial court erred when it concluded that Ocwen had an equitable right to redeem the properties within two years.”

United States v. Garcia, 789 F. Supp. 1089 (W.D. Wash. 1991).

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