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Foreclosures & Short Sales in Washington Terrace, Utah
Washington Terrace sits on the bench above Ogden, a small blue-collar city built largely around Hill Air Force Base employment, with modest ranch and split-level homes from the 1950s and 60s lining streets like Adams Avenue and Depot Street. Foreclosures and short sales here tend to follow the same pattern you see across Weber County: an older owner-occupant runs into trouble with a fixed income, a PCS move disrupts a military family's finances, or a rental property investor overextends. Because the housing stock is smaller and older than newer Davis County subdivisions, distressed properties in Washington Terrace often need real work — roofs, furnaces, electrical panels — which is exactly why they attract buyers willing to trade sweat equity for a lower entry price in a city that's otherwise seen steady appreciation thanks to its proximity to Ogden-Hinckley Airport, I-15, and Hill AFB's civilian and military workforce. Bank-owned listings and pre-foreclosure short sales move fast in this price range, since Washington Terrace's affordability compared to Ogden proper or South Ogden draws first-time buyers, VA loan users tied to Hill AFB, and investors eyeing rental income near the base. Inventory is thin and inconsistent — a given month might show zero true foreclosures and a handful of short sales, or the reverse — so timing and a real-time MLS feed matter more here than in bigger markets. Browse the active listings below to see what's currently on the market.
August 2026 · Washington Terrace market
Live from the Utah MLS — what's actually happening in Washington Terrace right now.
Median sale
$400,000
3 closed in August 2026
Median DOM
41 days
listing → contract
Sale-to-list
100.4%
of final list price
Unsold inventory
26
active + pending
1 matching · page 1 of 1
Active listings
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Common questions
About foreclosures & short sales in Washington Terrace.
How many foreclosures are typically available in Washington Terrace at once? ▾
Washington Terrace is a small city of roughly 9,000 people, so bank-owned inventory is usually limited to a handful of properties or fewer at any given time. Some months show none at all. Setting up an MLS alert is the only reliable way to catch a new listing the day it hits, since these homes often go under contract within a week or two.
Are these homes move-in ready or do they need repairs? ▾
Most distressed properties in Washington Terrace date to the 1950s-1970s and have sat vacant or under-maintained for a stretch, so expect deferred maintenance — aging furnaces, older electrical panels, original roofs. A handful of short sales are still occupied and in decent shape since the seller is current on upkeep but behind on payments, so condition varies a lot listing to listing.
Can I use a VA loan on a foreclosure here given the Hill AFB connection? ▾
Yes, VA financing works on foreclosures and short sales as long as the property appraises and passes the VA's minimum property requirements, which can be a hurdle on homes needing major repairs. Bank-owned sellers sometimes won't complete repairs the VA requires, so some buyers pair a VA loan with a renovation escrow or negotiate seller credits instead.
How long does a short sale take to close in Washington Terrace? ▾
Short sales here typically take 60 to 120 days because the seller's lender has to approve the sale price before closing can happen, and that approval process is out of the listing agent's control. Bank-owned foreclosures close much faster, often in 30 to 45 days, since there's no third-party lender approval needed.
Do foreclosures in Washington Terrace sell below market value? ▾
Genuine bank-owned properties often list 10-20% under comparable move-in-ready homes to account for repair costs and the bank's desire to move the asset quickly. Short sales are priced closer to market value since the seller's lender wants to recover as much of the loan balance as possible, so the real discount usually shows up in foreclosures rather than short sales.
Should I get a home inspection on a bank-owned property? ▾
Absolutely, and don't skip it just because the price is low. Banks sell these homes strictly as-is with no disclosures about known defects, so an inspection is often your only way to find out about furnace age, roof condition, or plumbing issues before you're locked into the deal.