bds
|
ba
|
sqft
ac lot
|
car garage
|
|
Foreclosures & Short Sales in Clearfield, Utah
Clearfield sits in the middle of Davis County, about 30 minutes north of Salt Lake City and right next door to Hill Air Force Base — the largest single-site employer in Utah. That military and defense-contractor presence shapes the local distressed-property market in a specific way: a lot of homes here were bought with VA or FHA financing, and when a PCS move, divorce, or job change forces a quick sale, those loans sometimes end up in pre-foreclosure or short-sale territory. Most of Clearfield's housing stock is mid-century ramblers and split-entries from the 1960s-80s in neighborhoods like Antelope Heights and the area around Fisher Park, plus newer builds south of 700 South. Prices generally run below the Davis County median, which already makes Clearfield one of the more affordable Wasatch Front cities for buyers who want quick freeway access via I-15 and the FrontRunner station.
Foreclosure and short-sale inventory in Clearfield tends to be thin — usually a handful of properties at any given time, not dozens — so timing matters. Short sales here can drag 60-120 days waiting on lender approval, while bank-owned (REO) homes move faster but often sell as-is with deferred maintenance: aging furnaces, original windows, roof issues. Cash buyers and investors compete hard for the cleaner ones, but owner-occupants using FHA 203(k) or VA renovation loans can absolutely win these deals with the right offer structure. Browse the active listings below to see what's currently on the market in Clearfield.
May 2026 · Clearfield market
Live from the Utah MLS — what's actually happening in Clearfield right now.
Median sale
$430,000
19 closed in May 2026
Median DOM
19 days
listing → contract
Sale-to-list
96.9%
of final list price
Unsold inventory
85
active + pending
3 matching · page 1 of 1
Active listings
Prefer the map?
See all 3 foreclosures & short sales on a map
Pan around Clearfield and refine by drawing your own boundary.
Common questions
About foreclosures & short sales in Clearfield.
What's the difference between a foreclosure and a short sale in Clearfield? ▾
A foreclosure (or REO) is a home the bank has already taken back from the previous owner and is now selling directly. A short sale is still owned by the homeowner, but they owe more than the home is worth and need lender approval to sell for less than the loan balance. REOs close in 30-45 days; short sales in Clearfield often take 3-4 months because of lender review.
How many distressed listings does Clearfield typically have? ▾
Inventory is usually light — often fewer than 10 active foreclosures or short sales at a time across Clearfield's roughly 12,000 housing units. Numbers tick up when interest rates spike or after large PCS cycles at Hill AFB. The list above reflects what's active on the Wasatch Front Regional MLS right now.
Can I use FHA or VA financing on a Clearfield foreclosure? ▾
Yes, if the home meets minimum property standards. Many Clearfield REOs are older ramblers that need roof, HVAC, or electrical work to pass an FHA or VA appraisal. An FHA 203(k) or VA renovation loan lets you roll repair costs into the mortgage, which is often the practical path for these properties.
Are short sales in Clearfield a good deal compared to regular listings? ▾
Sometimes, but not always. Banks order their own valuations and won't approve offers significantly below market. The real savings usually come from buying a home that needs cosmetic work the seller can't afford to do — figure 5-15% under comparable updated homes in the same neighborhood, not the 30-40% discounts people imagine.
What should I inspect carefully on a Clearfield foreclosure? ▾
Furnace and water heater age (many original units from the 70s-80s are still running), sewer lateral condition on pre-1980 homes, roof life, and any signs of winter freeze damage if the home sat vacant. Clearfield's clay-heavy soil also causes foundation cracking on older basements, so a structural look is worth the inspection fee.
Do I need a different agent or process to buy these? ▾
Any licensed Utah agent can write offers on foreclosures and short sales, but experience matters — short sales especially involve lender addenda, longer timelines, and specific contract language. Make sure whoever represents you has actually closed a few of these in Davis County recently.