Charlottesville, Virginia · Independent city · Back taxes and 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 as-is in Charlottesville, Virginia, including houses with back taxes or liens. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. You can call with the property address before you have every bill, payoff statement, or notice.
Call 888-274-5006 to talk through the property or ask for a cash offer.
Share the property address and what you know about the City tax account, creditor, payoff, or notice. You can call before you have every record.
We'll give you a written cash offer within 24 hours.
Start with the address and what you know about the lien, tax notice, creditor, or payoff.
Prefer to call? 888-274-5006.
A lien is a claim that can affect a property's title or the money due at closing. A payoff is the current amount and instructions a lender, creditor, or tax office gives to satisfy an obligation. An older bill or recorded document may not show the current balance or release instructions.
When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing.
The lender, creditor, or City office named on the notice confirms its current amount and instructions. The title company checks ownership and recorded claims for the transaction and works with the responsible party on payoff information. The confirmed figures are part of the closing work.
Start with the Charlottesville property address. A recent City tax bill or notice, lender payoff statement, lien or court paper, parcel information, deed, or case number can help. The lender, creditor, or City office named on a notice confirms its own current balance; the title company checks ownership and recorded claims for the sale. You can call before you have every document.
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
Start with a conversation about the house and whatever records you have. These steps show how written terms, title and payoff work, and closing fit together.
Share the Charlottesville address, the notice or paper you received, and any amount or date that concerns you. You can start before you have every record.
We review the house as-is and provide the written offer and terms before you commit. Written offer and written terms before you commit; title-company closing.
If you choose to proceed, the title company checks ownership and recorded claims for the transaction. The lender, creditor, or City office confirms its current payoff amount and instructions for the closing.
Before closing, review the written figures showing the sale price, confirmed payoffs, taxes, costs, and what remains after those items. The title company coordinates the closing.
Charlottesville is an independent city, not part of a county government. City offices handle city-property records and taxes; Albemarle County is a separate jurisdiction. Check the property address and notice before contacting an office.
The Treasurer prepares, mails, and collects City property-tax bills. Use the current City tax bill or notice to ask about the account balance and status. The office is listed at 605 East Main Street, Room A120, and 434-970-3146.
The Assessor handles real-property assessment within City limits and maintains City parcel information, including deed and plat references. An assessed value is not a current lien payoff or the amount a seller will receive. The office is listed at 102 5th Street NE and 434-970-3136.
The City identifies the Circuit Court as the deed-recording destination for City property transfers. Start with the Clerk for a deed-record or court-paper question; the court directory keeps Charlottesville and Albemarle County courts separate. The Clerk's Office is listed at 315 East High Street and 434-970-3766.
City property transfers and deed recording → · Charlottesville Circuit Court →
A City real-estate tax notice is not a lender's mortgage-foreclosure notice. Check a tax notice with the City office named on it, and check a mortgage notice with the lender or trustee named there. Confirm the current date and status for each notice separately.
About the City of Charlottesville → · City and county court directory →
A recorded deed, a current City tax balance, and a lender's payoff are different records. Use the office or creditor named on the notice for its current balance and instructions. A tax-sale notice and mortgage foreclosure follow separate paths; one notice does not confirm the status of the other.
A lien is a claim that can affect title or the money due at closing. The City's property-transfer information identifies Charlottesville Circuit Court as the deed-recording destination. A recorded document or older bill may not give a creditor's current payoff amount or release instructions. Ask the lender, creditor, or City office named on the notice for the current figures; the title company checks ownership and recorded claims for the sale.
The City Treasurer handles City property-tax bills and accounts. If a notice refers to a tax sale, ask the office named on that notice about the account and current status. A mortgage-foreclosure notice is separate; use the lender or trustee contact on that notice and confirm its date and status independently. Do not assume one notice changes the other.
City Treasurer information → · Charlottesville mortgage-foreclosure information
Virginia grantor tax is 50 cents for each $500 of the greater of the sale price or value — about 0.1%. State recordation tax and local recordation tax where adopted are separate. Exemptions and the transaction can change the amount, so the settlement agent confirms the figures.
When you sell to us, we pay the closing costs, including Virginia state and local recordation taxes, grantor tax and any applicable regional WMATA capital fee, regional congestion relief fee or regional transportation improvement fee. That closing-cost promise does not pay your mortgage, liens, back taxes, or share of current property taxes.
Read Virginia's rules for grantor tax, state recordation tax, and local recordation tax.
Use your own estimates for the house value, mortgage payoff, lien or tax amount, repairs, cleanout, carrying costs, and closing costs to compare possible net proceeds. Just an estimate — the actual number could be more or less depending on the home's condition.
Open the Charlottesville home-sale net proceeds calculator →
When you sell to us, we can set it up so you don't have to prepay anything — it comes out at closing. USA Home Buyers buys houses as-is in Charlottesville, Virginia, including houses with back taxes or liens. Call or send the property address with whatever notice or payoff information you have; you can start before you have every record.
The lender, creditor, or City office named on the current notice confirms its balance and payoff instructions. The title company checks ownership and recorded claims for the sale and uses confirmed figures in the closing work.
Start with the property address. If you have them, keep the latest City tax bill or notice, lender payoff statement, lien or court paper, parcel information, deed, and any case or tax-sale notice nearby. You can call before you have everything.
Charlottesville is an independent city, not part of county government. The City Treasurer handles City property-tax bills and accounts; the City Assessor maintains parcel and assessed-value information; and the City identifies Charlottesville Circuit Court as the deed-recording destination. Use the linked City offices below for the record you need.
No. A City real-estate tax notice and a lender or trustee mortgage-foreclosure notice concern separate debts and processes. Check the current status and date with the office or creditor named on each notice. See the separate Charlottesville foreclosure page for mortgage-foreclosure information.
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. The lender or other office confirms its current amount, and the title company reviews the figures for the sale.
We talk through the Charlottesville house and the information you have, review it as-is, and give you a written offer and written terms before you commit. If you choose to proceed, the title company checks title and payoff details and handles the closing work.
Virginia grantor tax is 50 cents for each $500 of the greater of the sale price or value, about 0.1%. State recordation tax and local recordation tax where adopted are separate, and exemptions or the transaction can affect the final amount. The settlement agent confirms the figures. When you sell to us, we pay the closing costs, including Virginia state and local recordation taxes, grantor tax and any applicable regional WMATA capital fee, regional congestion relief fee or regional transportation improvement fee. That does not pay your mortgage, liens, back taxes, or share of current property taxes.
Call 888-274-5006 or use the form above. Start with the Charlottesville address and whatever tax, lien, or payoff information you have.