Marion County Treasurer ↗
Ask about Marion County property-tax bills and payments. If you received a tax-sale notice, call the office named on it about current status and dates.
Centralia, Illinois · Marion and Clinton Counties · Back taxes and liens
Can I Sell My Centralia House With Back Taxes or Liens?
When you sell to us, we can set it up so you don't have to prepay anything — it comes out at closing.
Yes. USA Home Buyers buys houses in Centralia, Marion County and Clinton County. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. You can call before you have every notice or payoff detail.
Ask about a cash offer: call 888-274-5006 or use the form below.
Talk through your Centralia lien or tax question
Share the property address and whatever you know about the tax bill, lien, creditor, payoff, or notice. You can start with an incomplete record.
We give written cash offers in 24 hours.
Tell us the address and what you know about the lien, back taxes, payoff, or notice.
How lien and tax payoffs work
When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing.
A lien is a claim against property or its sale proceeds. The lender, creditor, or tax office named in a notice can confirm the current balance and payoff or release instructions. The title company checks ownership and recorded claims for the sale.
Start with the records you have
Start with the property address. A recent tax bill, lien or court notice, payoff statement, or creditor information can help us understand what you know. You can call before you have those records together. The lender, creditor, or tax office can confirm the current payoff; the title company checks ownership and recorded claims for the sale.
If the payoff is the problem
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
What happens next
1. Talk through the house and notice
Tell us what you know about the house and the lien, tax account, or notice. We can start with the Centralia address.
2. Review the house and written terms
We discuss the house as-is. You get a written offer and written terms before you commit, and we close through a title company. Review the proposed price and payoff treatment before you decide.
3. Check title and payoff details
If you choose to proceed, the title company checks ownership and recorded claims for the transaction. The creditor or tax office confirms current payoff and release information, which is used in the closing figures.
4. Review the figures and close
The settlement statement shows the sale price, payoffs, taxes, costs, and the amount left after those items. Close as fast as 7 days when title and closing details allow. The title company confirms the final transaction figures and handles the closing.
Centralia and county offices for records and taxes
Centralia spans Marion and Clinton counties. We can check which county office handles your property. Not sure? Call us — we’ll sort it out with you.
Marion County
Marion County Clerk & Recorder ↗
Ask about recording a deed or another Marion County property document.
Marion County Supervisor of Assessments ↗
Ask about the property’s assessment and parcel information.
Marion County Circuit Clerk ↗
Contact the Circuit Clerk for Marion County court records, forms, and calendar information.
Clinton County
Clinton County Treasurer ↗
Ask about Clinton County property-tax bills and payments. If you received a tax-sale notice, call the office named on it about current status and dates.
Clinton County Clerk & Recorder ↗
Ask about Clinton County land records, recorded property documents, and the transfer declaration for a sale.
Clinton County Supervisor of Assessments ↗
Ask about the property’s assessment and parcel information.
Clinton County Circuit Clerk ↗
Contact the Circuit Clerk for Clinton County court records and case information.
Keep tax-sale notices separate from mortgage foreclosure
Property-tax delinquency or tax-sale notice
An Illinois property-tax sale concerns unpaid property taxes; it is separate from a lender’s mortgage foreclosure. Contact the county Treasurer about the tax-account balance. If you received a tax-sale notice, call the office named on it about current status and dates.
Illinois mortgage foreclosure
An Illinois mortgage foreclosure is a separate court case. The normal redemption deadline is before the foreclosure auction; the case sets the deadline and payoff. Paying only missed installments and paying the full foreclosure amount are different options. Our agreement of sale will often get a foreclosure sale postponed so we can close. It doesn't always work, but it works more often than people think. Call us early if you have court papers or a sale date.
Read Illinois foreclosure law on redemption → · Illinois Courts mortgage-foreclosure forms →
Illinois real estate transfer taxes
For a taxable transfer, Illinois charges 50 cents for each $500 of taxable value, or part of $500. A county can add 25 cents for each $500, and some cities impose their own transfer taxes. On $100,000 of taxable value, the state tax is $100; with the county tax at that rate, it is $150 before any city tax. Exemptions and taxable value can change the amount, and local taxes depend on the property’s county and city.
Your mortgage, liens, back taxes, and share of current property taxes are separate settlement items.
When you sell to us, we pay the closing costs, including the Illinois state, county and city transfer taxes.
Compare possible net proceeds
Compare your estimated sale value, mortgage payoff, liens, back taxes, repairs, and other costs with the Centralia home-sale net proceeds calculator. Just an estimate — the actual number could be more or less depending on the home's condition.
What our sellers say
“LISTEN, PROPERTY TAXES GOT TOO HIGH FOR MY FIXED INCOME. SOLD IT TO THEM. WALKED AWAY WITH CASH. GLAD IT'S OVER.”
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
“no open houses. no realtors tracking dirt in. just a straight cash sale for our house so we could move. Glad it's over.”
Centralia property liens and back taxes questions
Can I sell my Centralia house with back taxes or liens before paying them?
When you sell to us, we can set it up so you don't have to prepay anything — it comes out at closing. Yes. We buy houses as-is in Centralia, Illinois, and Marion and Clinton counties. Your lien payoff is handled from the sale at closing, and you can call before you have every notice or payoff statement.
Who confirms the current lien or property-tax payoff?
The lender, creditor, or tax office named in your notice can confirm the current balance and payoff or release instructions. If you choose to sell, the title company checks ownership and recorded claims and uses the confirmed figures for closing.
Which county office should I contact about my Centralia property?
For property-tax questions, contact the County Treasurer. For a court case, contact the Circuit Clerk for court records and case information.
Is a property-tax sale the same as a mortgage foreclosure?
No. An Illinois property-tax sale concerns unpaid property taxes. A mortgage foreclosure is a separate court case involving a lender’s mortgage, and each process has its own dates and payoff.
What transfer taxes apply when a Centralia house sells?
For a taxable Illinois transfer, the state tax is 50 cents for each $500 of taxable value, or part of $500. A county can add 25 cents for each $500, and some cities impose their own transfer taxes. On $100,000 of taxable value, the state tax is $100; with the county tax at that rate, it is $150 before any city tax. Exemptions and taxable value can change the amount. When you sell to us, we pay the closing costs, including the Illinois state, county and city transfer taxes. Your mortgage, liens, back taxes and share of current property taxes are separate settlement items.
What if the payoff is more than my Centralia house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
What happens after I contact USA Home Buyers?
We talk through the house and the information you have. You get a written offer and written terms before you commit, and we close through a title company. If you choose to proceed, the creditor or tax office confirms current payoff information for the closing.
Talk through the property
Call 888-274-5006 or use the form above. Start with the Centralia address and the tax or lien information you have.
No fees. No agent commissions when you sell to us.