Union County Tax Collector ↗
Contact the Tax Collector about a Union County property-tax account and delinquent-land-tax routing. The office is at 101 North Washington, Room 106, El Dorado, AR 71730-5661; call (870) 864-1930.
El Dorado, Arkansas · Back taxes and liens
Can I Sell My El Dorado 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 as-is in El Dorado and Union County, Arkansas, including houses with back taxes or liens. We work with the title company and the lender, creditor, or tax office to check recorded claims and current payoff information. You can ask for a cash offer with the property address; you do not have to gather every record first.
Call 888-274-5006 or use the form to talk through the house.
How lien and back-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 that can affect the property’s title or the money due when it sells. A payoff is the current amount and instructions from the lender, creditor, or tax office. Those amounts can change, so an older bill or letter may not show what is due now. The creditor or office confirms its current figures and release instructions; the title company checks ownership and recorded claims for the sale.
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Records that can help
Start with the property address; you can call before you have every document. If they are already available, a recent property-tax bill or notice, lender payoff statement, lien or judgment papers, mortgage information, deed, and parcel number can help us and the title company understand what needs checking. The lender, creditor, or tax office confirms its own balance and instructions.
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
- Talk through the house. Call or send the El Dorado address and whatever you know about the tax notice, lien, lender, or payoff. You can start with the address.
- Review the written offer and terms. We look at the house as it stands and put the proposed price and terms in writing before you decide whether to commit.
- Check title and payoff information. If you choose to proceed, a title company checks ownership and recorded claims while the lender, creditor, or tax office confirms its current payoff and release instructions.
- Review the closing figures and close. The title company prepares the transaction figures and handles the title-company closing. The sale proceeds and confirmed payoffs are shown in the closing figures.
El Dorado and Union County tax and recording questions
El Dorado City Hall’s listed address is in Union County; check the property address with the relevant office for parcel-level records. Union County’s Tax Collector handles property-tax accounts and provides delinquent-land-tax routing. Its page directs land-sale or redemption questions to the Arkansas Commissioner of State Lands when land has been certified to that office. A mortgage foreclosure is separate from a delinquent-tax matter, and each notice has its own dates. For the lender’s mortgage process, see the El Dorado foreclosure page.
Union County Circuit Clerk ↗
The Circuit Clerk lists real-estate instrument recording, including deed-recording questions. The office is at 101 North Washington, Suite 201, El Dorado, AR 71730-5661; call (870) 864-1940. A title company checks ownership and recorded claims for a specific sale.
Arkansas Real Property Transfer Tax
Arkansas Real Property Transfer Tax applies to a deed or other writing conveying real estate when the transaction exceeds $100 in actual consideration. The rate is $3.30 per $1,000 of actual consideration. The settlement agent confirms the instrument, consideration, any exemption, and local charges. Read the Arkansas Department of Finance and Administration guidance.
When you sell to us, we pay the closing costs, including the Arkansas Real Property Transfer Tax.
Closing costs are separate from a mortgage balance, liens, back taxes, and your share of current property taxes; those amounts are checked for the specific sale.
County office details checked October 9, 2026.
Compare possible net proceeds
Use your own estimates for the sale price, mortgage payoff, liens or taxes, repairs, and other costs in the El Dorado home-sale net proceeds calculator. The result is a planning estimate, not a property-specific offer or payoff statement.
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.”
El Dorado property-liens and back-tax questions
Can I sell my El Dorado 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. We buy houses as-is in El Dorado and Union County, Arkansas. You can call with the property address before you have every notice or payoff record.
Who checks the current payoff and recorded liens?
The lender, creditor, or tax office confirms its current balance and payoff or release instructions. The title company checks ownership and recorded claims for the sale and uses confirmed figures in the closing work.
What records help when I call about a lien or tax balance?
Start with the property address. If they are already handy, a recent tax bill or notice, lender payoff statement, lien or judgment papers, mortgage information, and parcel number can help. You can call before you have all of them.
Is a delinquent property-tax sale the same as mortgage foreclosure?
No. A delinquent property-tax matter and a lender’s mortgage foreclosure are separate processes with separate notices and dates. Union County’s Tax Collector provides tax-account and delinquent-land-tax routing; its page directs land-sale or redemption questions to the Arkansas Commissioner of State Lands when land has been certified there. See the separate El Dorado foreclosure page for mortgage-foreclosure information.
What Arkansas transfer tax may apply when a house sells?
Arkansas Real Property Transfer Tax applies to a deed or other writing conveying real estate when the transaction exceeds $100 in actual consideration. The rate is $3.30 per $1,000 of actual consideration; the settlement agent confirms the applicable instrument, consideration, exemption, and local charges. When you sell to us, we pay the closing costs, including the Arkansas Real Property Transfer Tax. This does not pay a mortgage balance, liens, back taxes, or your share of current property taxes.
What if the payoff is more than my El Dorado 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, then put the proposed offer and terms in writing before you decide whether to commit. If you choose to proceed, a title company checks ownership and recorded claims, works with the creditor or tax office on payoff details, and handles the title-company closing.
Talk through the property
Call 888-274-5006 or use the form above. Start with the El Dorado address and whatever payoff or tax notice information you have.