Elizabethtown, Kentucky · Hardin County

Can I Sell My Elizabethtown 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. We buy houses as-is in Elizabethtown and Hardin County, Kentucky. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Liens and back taxes can be reviewed as part of the sale; you can call before you have every record.

Call 888-274-5006 to talk about the house.

Talk through your lien or tax question

Share the property address and what you know about the balance, notice, creditor, or tax account. Start with what you have; you do not need to sort out the records first.

We'll give you a written cash offer within 24 hours.

We give written cash offers in 24 hours.

Tell us the address and what you know about the tax or lien question.

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Prefer to call? 888-274-5006.

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 title company checks ownership and recorded claims for the sale and uses current written payoff information from the creditor or tax office to prepare the settlement figures. The balance and instructions can change, so the current amount is confirmed for the property rather than guessed from an old bill or notice.

Closing costs are separate from a seller's mortgage balance, liens, back taxes, and share of current property taxes. Those amounts are reviewed as payoffs or tax allocations for the particular sale.

Records that can help — but you can call first

Start with the property address. If you have them, bring a recent tax bill or notice, payoff statement, lender or creditor letter, court paper, account or case number, parcel number, deed, or mortgage statement. The title company and the office or creditor named on a notice can confirm current figures and records. You do not need a complete file to call us.

If the payoff is more than the 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 next

Start with a conversation about the house and the records you have. You can ask us about a sale before every payoff or tax detail is gathered.

  1. 1. Talk through the property

    Tell us the Elizabethtown or Hardin County address, what the notice says, and what you know about the balance and timing. It is fine to start with partial information.

  2. 2. Review the house and written terms

    We review the house as it stands and provide the offer and proposed terms in writing before you decide. Written offer and written terms before you commit; title-company closing.

  3. 3. Check title and payoff details

    If you choose to move ahead, the title company reviews the ownership and recorded claims for the transaction. Current payoff information comes from the creditor or tax office, and the title company uses it to prepare the settlement figures.

  4. 4. Review the figures and close

    The title company reviews the final settlement figures with the parties and coordinates the title-company closing. The figures show the sale amount, payoffs, taxes, closing costs, and what remains after those items.

Hardin County tax, lien, and property-record offices

Use the office that matches the notice or record. Elizabethtown is in Hardin County, but city billing and county records use different office routes; the address and parcel identify the question to check.

Hardin County Clerk — deeds and recorded documents

Use the Clerk's recording department for county recording information about deeds, mortgages, and other land records. It is at the Hardin County Government Building, 150 N. Provident Way, Suite 103, Elizabethtown, KY 42701; call 270-765-2171.

Hardin County Clerk Recording Department ↗

Hardin County Property Valuation Administrator

Use the PVA portal for local property and ownership information. It is a starting point for a parcel inquiry, not a conclusion about a particular property's title or payoff.

Hardin County PVA public portal ↗

City of Elizabethtown Finance Department

The City Finance Department is at 200 W. Dixie Avenue, 3rd Floor, Elizabethtown, KY 42701; call 270-763-4214. For a City property-tax billing question, use the City's property-tax page and the Sheriff tax-bill route above.

City Finance Department ↗ · City Property Tax ↗

Tax-sale, foreclosure, and transfer-tax facts

Delinquent property taxes and mortgage foreclosure are separate

The Hardin County Clerk lists delinquent-tax and tax-sale information; use the current notice and ask the Clerk about the parcel's account and sale status. A mortgage foreclosure follows a separate court process involving the lender and court records. Check the current court or lender notice directly, and do not assume a sale conversation changes a deadline or scheduled event.

For a mortgage-foreclosure question, see the Elizabethtown foreclosure page and use the current court and lender records for the particular case.

Kentucky real estate transfer tax

Kentucky charges 50 cents for each $500 of value or fraction of $500. For a $100,000 sale, that is $100. The law makes the grantor (seller) responsible, and the county clerk collects the tax before the deed can be recorded. The value includes the full price paid, including liens the buyer takes over. Some transfers are exempt; ask the title company whether an exemption applies to your sale. Recording fees are separate.

When you sell to us, we pay the closing costs, including the Kentucky real estate transfer tax.

That closing-cost promise does not pay a seller's mortgage, liens, back taxes, or share of current property taxes; those amounts are handled as separate payoff or tax-allocation items.

Read Kentucky law on real estate transfer tax ↗

Compare what you may keep after costs

Use the editable Elizabethtown home-sale net proceeds calculator with your own estimated value, mortgage payoff, lien or tax amount, repairs, cleanout, carrying costs, and closing costs. Just an estimate — the actual number could be more or less depending on the home's condition.

Open the Elizabethtown home-sale net proceeds calculator →

What sellers say about USA Home Buyers

Elizabethtown property liens and back taxes questions

Can I sell my Elizabethtown house with back taxes or liens?

Yes. 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 Elizabethtown and Hardin County, and the payoff details are checked for the specific sale.

What records should I have when I call?

Start with the property address and any tax bill or notice, lien or court paper, creditor name, account or case number, and payoff statement you have. A parcel number, deed, mortgage statement, or prior closing paper can also help. You can call before you have everything.

Who checks the lien and tax payoff amounts?

The title company checks ownership and recorded claims for the transaction and works from current payoff information from the relevant creditor or tax office. The Hardin County Sheriff provides a tax-bill lookup and payment contact; the County Clerk lists delinquent-tax and tax-sale information.

Are a Hardin County tax sale and mortgage foreclosure the same process?

No. A delinquent county property-tax or tax-sale question goes to the Hardin County Clerk. A mortgage foreclosure is a separate court process involving the lender and court records. Check the notice and current status with the office or court handling it; a buyer conversation does not change a notice or court date.

What is Kentucky real estate transfer tax?

Kentucky charges 50 cents for each $500 of value, or fraction of $500. The grantor (seller) is responsible by law, and the county clerk collects it before the deed is recorded. Exemptions may apply, and recording fees are separate. When you sell to us, we pay the closing costs, including the Kentucky real estate transfer tax; mortgage balances, liens, back taxes, and your share of current property taxes are separate.

What happens after I call?

We talk through the property and the information you have, review the house as it stands, and provide written terms before you decide. If you choose to proceed, the title company checks title and payoff details and coordinates the closing paperwork.

Talk through the property

Call 888-274-5006 or use the form above. Start with the Elizabethtown or Hardin County address and the notice or payoff information you have.

Call Now 888-274-5006