392 Subject-To Candidates in Phoenix, AZ
Last updated: July 30, 2026
MLS-listed properties in Phoenix, AZ that HiddenDealPro's algorithm flags for subject-to financing signals — motivated-seller and equity indicators, not confirmed opportunities. Full qualification guide below.
Market Stats
Updated Jul 30, 2026
Total listings
392
Price range
$220K – $650K
Avg days on market
44 days
By price range
Top zip codes
Market snapshot
Phoenix, AZ currently has 392 subject-to candidates tracked in our data. The median listing sits at $465K, ranging from $220K to $650K across the current pool.
Inventory is concentrated by ZIP code: 85396 alone accounts for 14% of the Phoenix listings in this category (55 of 392), followed by 85387 (37) and 85338 (34). That concentration is worth knowing before you commit to a target area — it may reflect where distress signals cluster, or simply where MLS coverage is strongest.
By price, 97% of listings fall in the over $300k range. Properties in this category have spent an average of 44 days on market — that pace is in line with normal turnover for this market.
Arizona process notes
Foreclosure process
Arizona foreclosures are typically non-judicial when the loan uses a deed of trust with a power-of-sale clause, which most do. A trustee conducts the sale without court involvement. Judicial foreclosure is used when no power-of-sale clause exists, or when the lender wants to preserve the right to a deficiency judgment.
Property tax delinquency
Arizona is a tax lien state — the county sells a certificate against the unpaid taxes at public auction rather than the property itself. The delinquent owner has a three-year redemption period to pay off the lien plus interest; if it goes unredeemed, the certificate holder can initiate a judicial action to obtain the deed.
General information, not legal advice — process details vary by county. Confirm specifics with a local real estate attorney or the county recorder/tax office before acting.
22462 E Camina Plata Avenue
Queen Creek, AZ 85142
$419,900
3 bd / 2 ba / 1,710 sqft
20510 W Park Meadows Drive
Buckeye, AZ 85396
$485,000
4 bd / 3 ba / 2,576 sqft
17944 W Cedarwood Lane
Goodyear, AZ 85338
$565,000
2 bd / 2 ba / 1,220 sqft
17327 W Straight Arrow Lane
Surprise, AZ 85387
$560,000
4 bd / 4 ba / 2,741 sqft
30703 W Indianola Avenue
Buckeye, AZ 85396
$299,900
3 bd / 2 ba / 1,249 sqft
9720 W Odeum Lane
Tolleson, AZ 85353
$365,000
3 bd / 2 ba / 1,402 sqft
21375 N 260Th Drive
Buckeye, AZ 85396
$220,000
3 bd / 3 ba / 2,452 sqft
17664 W Paraiso Drive
Surprise, AZ 85387
$385,000
3 bd / 2 ba / 1,892 sqft
19365 N 28Th Street
Phoenix, AZ 85050
$595,000
3 bd / 2 ba / 1,575 sqft
18616 W Desert Hollow Drive
Wittmann, AZ 85361
$430,000
3 bd / 2 ba / 1,706 sqft
382 more listings in this market
The sample above and the stats on this page reflect the full 392-listing pool. For the complete list with owner contact data, see REI Labs.
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Full guide
Finding and Qualifying Subject-To Candidates on the MLS
How to spot subject-to candidates in MLS data, qualify the seller's loan terms, and structure an honest offer — the sourcing playbook, not the deal mechanics. Includes answers to the most common questions about subject-to candidates.
Data sourced from public MLS records and filtered by HiddenDealPro's algorithm. How we find these.