Buying · Saint-Jean-sur-Richelieu · September 15, 2026
How a foreclosure comes about in Saint-Jean-sur-Richelieu, where to find it before others, what the local market says in 2026 and the checks that separate the bargain from the trap.
A foreclosure in Saint-Jean-sur-Richelieu comes from a missed payment: the creditor registers a prior notice in the land register (registration division of Saint-Jean) and gives the owner 60 days, then takes the immovable in payment, has it sold under judicial authority or sells it itself. The properties come back on Centris with the mention "reprise de finance", without legal warranty or seller's declaration. In Saint-Jean-sur-Richelieu, the median house sold for $578,000 in the second quarter of 2026 (+1% year over year, +46% in five years) in 32 days: few foreclosures, to be caught fast, and the good deal is the property that needs work you know how to price. Our free alert combines Centris, the land register and notices of judicial sale.
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.
The median house in Saint-Jean-sur-Richelieu gained +46% in five years: according to the APCIQ barometer, it sold for $578,000 in the second quarter of 2026 (+1% year over year) in 32 days. The median condo there is $365,000. The market absorbs: the South Shore sold for $655,000 in 37 days in August 2026. But the owners who bought at the 2021-2022 peak with rates of 2 to 3% renew in 2026-2027 above 4%, and that minority is where foreclosures in Saint-Jean-sur-Richelieu come from: not a wave, a few files a month, to be caught fast because buyers are many.
| APCIQ sector, Q2 2026 (single-family) | Median | 1 year | 5 years | Days |
|---|---|---|---|---|
| Saint-Jean-sur-Richelieu | $578,000 | +1% | +46% | 32 days |
| The South Shore (August 2026) | $655,000 | 37 days |
In Saint-Jean-sur-Richelieu, across 500 single-family houses sold on Centris between September 16, 2025 and September 16, 2026, the median house sold for $565,000, in the middle of the 52 cities we track, and found a buyer in 17 days (half of them between 5 and 44), slowly enough to leave time to compare and come back. 63% of sellers there accepted below the asking price, an ordinary share, and their median discount reaches $14,900, or 2.6%: a discount in the norm.
For a foreclosure, sold without a seller's declaration or legal warranty, the reading is this: the slow market gives time to follow a foreclosure over several weeks and watch it drop, without a race to the offer; 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 Saint-Jean-sur-Richelieu.
The median single-family home in Saint-Jean-sur-Richelieu went from $233,000 in 2016 to $577,000 in 2026 (+148%), without a single year of decline, and the last year added +4% (full curve: home prices in Saint-Jean-sur-Richelieu from 2016 to 2026). Those who bought at the 2022 peak paid a median $475,000, at 2 to 3% rates they are now renewing higher, and it is worth 21% more: enough to sell on their own during the notice period if they run into trouble, which deprives creditors of files.
Between September 16, 2025 and September 16, 2026, 32% of the single-family listings that ended in Saint-Jean-sur-Richelieu were withdrawn, expired or cancelled without a sale (409 against 864 sales), an ordinary share, and the withdrawn ones asked a median 13% more than the sold ones, a gap that matters: an overambitious price explains a good share of unsold listings. For an owner in difficulty, the lesson is to price on the sales, not on hope, because the notice leaves only 60 days; 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 Saint-Jean-sur-Richelieu).
36% of the houses sold in Saint-Jean-sur-Richelieu in 12 months were built before 1980 and 33% had a pool: a recent stock, where the inspection mainly looks for construction defects and maintenance neglected during the proceedings, and pools are common, and a foreclosure's pool, often drained or neglected, is inspected separately.
| In Saint-Jean-sur-Richelieu | Figure |
|---|---|
| Median sale price, 12 months | $565,000 |
| Median time to acceptance | 17 days |
| Sales closed below asking | 63% |
| Median discount when there is one | $14,900 (2.6%) |
| Listings withdrawn without a sale | 32% |
| Median price 2016 → 2026 | $233,000 → $577,000 |
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.
On Centris with the mention "reprise de finance", in the land register (prior notices, registration division of Saint-Jean) and through notices of sale under judicial authority. A broker's alert combines the three sources.
Rarely by much for a house, in a market that sells in 32 days: a foreclosure priced at market receives several offers. The real negotiation is on the property that needs work, sold without legal warranty, whose cost you know how to price.
Few, in a market where the median house gained +46% in five years and sells in 32 days: most owners have equity and sell on their own during the 60-day period. The 2026-2027 renewals will add a few, mostly among 2021-2022 purchases.
Our other data series for Saint-Jean-sur-Richelieu, drawn from Centris listings:
Each page is recalculated from the past year's actual sales, aggregates only.
The Loaa & Manseur team, led by Lotfi Manseur and Loaa Al Daow, is 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 of large residential teams according to the official RE/MAX ranking, computed on actual transactions. Its Google profile counts more than 220 reviews with a 4.9 rating. Its offices are at 55 avenue de l'Équinoxe in Brossard, one bridge from the island, and every broker's licence can be checked in the OACIQ public register. Three things to verify yourself before calling us, and to demand of any other broker.
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.
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.