Cumberland County Tax Administration ↗
For a Cumberland County property, ask about the current real-estate tax account and any tax notice. The office is at 117 Dick Street, Room 530, Fayetteville, NC 28301; call 910-678-7507.
Fayetteville, North Carolina · Cumberland County
Can I Sell My Fayetteville 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 Fayetteville and Cumberland County, North Carolina, including houses with liens or back taxes. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Call 888-274-5006 to talk about the house and the records you have.
Talk through your Fayetteville lien or tax question
Share the property address and whatever you know about the notice, creditor, payoff, or tax account. You can start before you have every record.
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 notice, payoff, creditor, or tax account.
Prefer to call? 888-274-5006.
How payoffs work
When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing.
The title company reviews the property records and works with the lender, creditor, or county tax office named on the notice to confirm the current balance and payoff instructions. A property-tax balance, a mortgage payoff, and another recorded claim are separate items, so each amount is checked with the office or creditor responsible for it.
Our closing-cost promise does not pay your mortgage balance, liens, back taxes, or your share of current property taxes.
Records and a next step
Start with the property address. A parcel number, current tax bill or notice, lender or creditor payoff statement, lien or court paper, and case number can help identify which record or balance needs checking. Bring what you have; you can call before you have everything.
The county tax office checks the current property-tax account. A lender or other creditor confirms its payoff amount and instructions. The title company checks the property records and coordinates the confirmed figures 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 the records you have
Tell us the address, what notice or payoff you have seen, and any timing that concerns you. You can start the conversation before you have every balance or document.
2. Review the house and written terms
We review the property as it stands and put the proposed offer and terms in writing before you decide. Written offer and written terms before you commit; title-company closing.
3. Confirm title and payoff details
If you choose to move forward, the title company checks ownership and recorded claims for the sale. The lender, creditor, or county office confirms its current amount and instructions for settlement.
4. Review the closing figures and close
The title company prepares the settlement figures using the written terms, confirmed payoffs, and applicable closing costs. Review the figures with the closing company before signing.
Fayetteville-area offices and records
Use the office for the county where the property is located. A tax account, a recorded land document, and a court case are different records. The City of Fayetteville boundary GIS and the 2025 Census place boundary differ about the city edge at Hoke County, so confirm the parcel county before using tax or deed records. View the City boundary GIS layer ↗ and 2025 Census place boundaries ↗.
Cumberland County Register of Deeds ↗
For Cumberland County deeds and land records, the office is at 117 Dick Street, Room 114, Fayetteville, NC 28301. Call the general line at 910-678-7775 or Land Records at 910-678-7773.
Cumberland County Clerk of Superior Court ↗
For a court matter confirmed as Cumberland County, the Clerk is at the Judge E. Maurice Braswell Cumberland County Courthouse, 117 Dick Street, Fayetteville, NC 28301. Call 910-475-3000. See courthouse details ↗
Hoke County Clerk of Superior Court ↗
For a court matter confirmed as Hoke County, the Judicial Branch lists the Clerk at 304 N Main Street, Raeford, NC 28376. Call 910-878-4100. See courthouse details ↗
Cumberland County office routes do not establish where a Hoke County property or court matter belongs. For a confirmed Hoke County property-tax or deed question, contact Hoke County to identify the responsible office; the Hoke Clerk link above is for court contact information.
Property-tax notices, mortgage foreclosure, and North Carolina excise tax
A tax matter and mortgage foreclosure are separate
A county property-tax balance or tax-sale notice is separate from a lender's mortgage-foreclosure matter. Check a tax account with the tax office for the property county. For court papers, use the Clerk of Superior Court or other office named on the case documents; confirm the county before relying on an office route. Follow the notice for the particular matter rather than treating one balance or process as the other.
If the property is in Cumberland County, start with the county tax and real-estate records ↗. For a court matter confirmed as Cumberland County or Hoke County, use the matching Clerk of Superior Court contact above.
North Carolina excise tax on conveyances
North Carolina charges $1 for each $500 of a deed's price or value, and any part of $500 counts as a full $500. State law directs the seller to pay the tax to the county Register of Deeds before the deed is recorded; the Register marks the deed to show it was paid. Read North Carolina General Statute 105-228.30 ↗
When you sell to us, we pay the closing costs, including North Carolina's excise tax on conveyances. Your mortgage, liens, back taxes, and share of current property taxes are separate.
Compare possible net proceeds
Use your own estimates for the home value, mortgage, lien or tax balance, repairs, and closing costs to compare what you might keep from different sale paths. The estimate is not a payoff quote or final closing statement.
What sellers say about USA Home Buyers
Fayetteville property liens and back taxes questions
Can I sell my Fayetteville 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 Fayetteville and Cumberland County, North Carolina, including houses with liens or back taxes. You can call with the address and whatever notice or payoff information you have.
Who checks the current tax balance and lien payoffs?
The title company reviews property records for the sale. The lender, creditor, or county tax office confirms its current balance and payoff instructions, which the title company uses in the closing work.
What records should I have when I call?
Start with the property address. If you have them, keep the parcel number, latest property-tax bill or notice, lender or creditor statement, lien or court paper, and any case number nearby. You can call before you have everything.
Is a property-tax sale the same as a mortgage foreclosure?
No. A county property-tax balance or tax-sale notice and a lender mortgage-foreclosure matter are separate. Use the county tax office for a tax-account question and the Clerk of Superior Court or office named on court papers for a court matter. Confirm the property county before choosing an office.
Which county office should I contact for a Fayetteville property?
Fayetteville is generally routed through Cumberland County, but the City boundary GIS and 2025 Census place boundary differ about the city edge at Hoke County. Confirm the parcel county before using tax or deed records. Cumberland County tax and Register of Deeds contacts are listed on this page; for a confirmed Hoke County court matter, contact the Hoke County Clerk of Superior Court.
What if the payoff is more than my Fayetteville 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, review the property as-is, and give you written terms before you decide. If you choose to proceed, the title company checks ownership and recorded claims, works with the relevant creditor or office on payoff information, and prepares the closing figures.
What excise tax applies when a North Carolina deed transfers a house?
North Carolina's excise tax on conveyances is $1 for each $500 of the price or value, and any part of $500 counts as a full $500. State law directs payment before the deed is recorded. When you sell to us, we pay the closing costs, including North Carolina's excise tax on conveyances. Your mortgage, liens, back taxes, and share of current property taxes are separate.
More Fayetteville seller resources
Talk through the property
Call 888-274-5006 or use the form above. Start with the Fayetteville address and whatever tax or lien information you have.