Buying · Foreclosures · Laval
Laval's houses sell in 30 days, but its downtown condo towers take 60: that is where foreclosures appear and negotiate. Here is where to look, how the mechanics work and how to buy one without mistakes.
A foreclosure in Laval follows the same mechanics as everywhere in Quebec: a 60-day prior notice in the land register, then taking in payment, a sale under judicial authority or a sale by the creditor, and a resale generally without legal warranty. In Laval, they concentrate in the downtown condo towers near the Montmorency, De la Concorde and Cartier metro stations (397 of the city's 614 condo listings, 60 days on market, a buyer's market between $530,000 and $630,000), where investors who bought off-plan in 2019 to 2022 resell, and in the waterfront homes of Sainte-Dorothée above $1.12 million, where 10.3 months of inventory give the buyer time. The house, at $633,500 in 30 days with 821 active, sells too fast for a fairly priced foreclosure to stay long.
Laval foreclosures appear on Centris with the mention "reprise de finance", and they concentrate in two places: the condo towers of Chomedey, Laval-des-Rapides and Pont-Viau near the metro, where 397 units compete, the delay reaches 60 days and the market is the buyer's between $530,000 and $630,000; and the large properties of Sainte-Dorothée and Duvernay above $1.12 million, where inventory reaches 7.5 to 10.3 months. In Fabreville (24 days) and Sainte-Rose (27 days), a fairly priced foreclosure receives several offers the first weekend, like any house. The saving is on the unit or the house that needs work you can price, and on the tower condo where the seller has waited two months.
| Sector (QPAREB, Q2 2026) | House, median | 1 year | 5 years | Days | Condo, median |
|---|---|---|---|---|---|
| Downtown Laval (Chomedey, Laval-des-Rapides) | $637,500 | 4% | 32 % | 32 days | $420,000 |
| Sainte-Dorothée | $775,500 | 4% | 31 % | 48 days | $540,000 |
| Fabreville | $547,500 | 0% | 36 % | 24 days | $375,000 |
| Sainte-Rose, Auteuil, Vimont | $649,500 | 4% | 38 % | 27 days | $420,000 |
| Laval, all | $633,500 | 4% | 36 % | 30 days | $428,000 |
It all starts with a missed payment. The hypothecary creditor registers a prior notice of the exercise of a hypothecary right in the land register and, for a mainly residential immovable, must give the owner 60 days to remedy the default, sell on their own or refinance. Then come three recourses: taking in payment (the creditor becomes the owner and resells, hence the French term "reprise de finance"), the sale under judicial authority (the court authorizes the sale, the immovable is awarded at the buyer's risk, without legal warranty) and the sale by the creditor. The properties then come back on the market, often on Centris with the mention "reprise de finance", generally without legal warranty and without a detailed seller's declaration. The full mechanics, the risks and our free alert are on our page on foreclosures in Quebec.
Laval's single-family home rose 36 % in five years and its condo 37 %, and the towers delivered near the metro from 2015 to 2022 were bought in part by investors at rates below 2 %, who renew in 2026 and 2027 at rates around 4.24 % while rents no longer cover the payment on the large two-bedrooms. That is where the 60-day notices concentrate, not in the bungalow streets of Fabreville and Vimont where the owners have equity. It does not make a wave: Laval's 30 days on market for houses and its August median of $642,750 (+7 %) show a market that absorbs. But for a buyer looking for a condo near the metro, 2026 and 2027 are the years to have an alert set by building and budget.
In Laval, across a sample of 500 single-family houses sold on Centris between September 16, 2025 and September 16, 2026, the median house sold for $640,000, in the middle of the 52 cities we track, and found a buyer in 14 days (half of them between 6 and 41), a steady pace without being frantic. 67% of sellers there accepted below the asking price, a clear majority, more than elsewhere, and their median discount reaches $19,900, or 2.8%: a discount in the norm.
For a foreclosure, sold without a seller's declaration or legal warranty, the reading is this: the calendar leaves time to inspect before the offer, and a foreclosure's gap is measured against a perfectly ordinary current discount; in a sale without a legal warranty, the renovation reserve makes or breaks the bargain. The negotiation detail is in our page on negotiations in Laval.
The median single-family home in Laval went from $300,000 in 2016 to $630,000 in 2026 (+110%), with a decline in 2023, and the last year added +4.8% (full curve: home prices in Laval from 2016 to 2026). Those who bought at the 2022 peak paid a median $555,000, at 2 to 3% rates they are now renewing higher, and it is worth 14% more: a thin cushion, and it is among the 2021-2022 buyers with small down payments that the rare foreclosures start.
Between September 16, 2025 and September 16, 2026, 33% of the single-family listings that ended in Laval were withdrawn, expired or cancelled without a sale (1,244 against 2,529 sales), one of the highest shares in our survey, and the withdrawn ones asked a median 1.5% more than the sold ones, a thin gap: here, unsold listings are not only explained by price. For an owner in difficulty, the risk is real of seeing the notice expire while an overpriced listing waits for a buyer; on the buyer's side, a property withdrawn and back on Centris marked "reprise de finance" has a price history, to ask for first (see the houses that do not sell in Laval).
44% of the houses sold in Laval in 12 months were built before 1980 and 36% had a pool: a mixed stock, where roof, French drain and windows are the items to check first, and pools are common, and a foreclosure's pool, often drained or neglected, is inspected separately.
| In Laval | Figure |
|---|---|
| Median sale price, 12 months | $640,000 |
| Median time to acceptance | 14 days |
| Sales closed below asking | 67% |
| Median discount when there is one | $19,900 (2.8%) |
| Listings withdrawn without a sale | 33% |
| Median price 2016 → 2026 | $300,000 → $630,000 |
Source: Centris (Matrix), Single-family form: sales and ended listings between September 16, 2025 and September 16, 2026 (compiled September 17 and 18, 2026) and the municipality's 2016-2026 annual statistics (compiled September 16, 2026). Aggregates only, compiled by the Loaa & Manseur team.
During the 60-day period, you can sell on your own, often at market price, and protect your equity. It is almost always the best outcome. Our team can schedule an urgent free valuation, without judgment and in full confidentiality.
Our other data series for Laval, drawn from Centris listings:
Each page is recalculated from the past year's actual sales, aggregates only.
How many foreclosures in Laval, ten years of perspective:
The number of houses sold as foreclosures year by year since 2016, their share of sales, their median price against all sales and the rebound from the trough in Laval.
Few for houses, in a market that sells in 30 days; more for condos in the downtown towers, where 397 units compete and the market is the buyer's between $530,000 and $630,000. The 2026-2027 renewals will add some among the investor-owned units.
Rarely by much for a house: a foreclosure priced at market in Fabreville or Sainte-Rose receives several offers. For a tower condo downtown, with 60 days on market, the negotiation is real, and the syndicate's documents (reserve fund, special assessments) decide whether it is a deal.
Tell us the sectors, the buildings and the budget; we set a free alert on the listings with the mention "reprise de finance" and on the prior notices we monitor, and we read the file (syndicate documents, certificate of location, inspection) with you before the offer.
Also available in French: version française de ce guide.
Published September 7, 2026 by the Loaa & Manseur team, the number 1 team at RE/MAX Platine in 2024 and 2025, 6th RE/MAX team in Quebec, 15th in Canada and in the global top 50 according to the official RE/MAX ranking. Tell us about your project.
Quebec runs on civil law, so several French terms have no direct English equivalent: hypothèque is a hypothec and not a mortgage, vices cachés are latent defects, and the taxe de bienvenue is legally transfer duties. The full list is in our Quebec real estate glossary. See also this term explained.
Équipe no 1 de RE/MAX Platine en 2024 et en 2025, 6e au Québec, 15e au Canada et dans le top 50 mondial au classement officiel RE/MAX. Réponse en moins de 24 heures, sept jours sur sept.