USA Home Buyers

Florence, Alabama · Lauderdale County

Can I Sell My Florence 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 with back taxes and liens — payoffs get handled through the closing, not by you upfront. USA Home Buyers buys houses in Florence and Lauderdale County, Alabama. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.

Ask for a cash offer: call 888-274-5006 or use the form below.

Talk through your Florence lien or tax question

Share the property address and whatever you have about the tax bill, lien, creditor, payoff, or notice. You can start before every balance or document is gathered.

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 bill, lien, payoff, or notice.

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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.

You don't need to pay off your back taxes before we settle. We buy houses with back taxes and liens — payoffs get handled through the closing, not by you upfront. The title company checks the property records and works with the creditor or tax office named in them to confirm current written payoff amounts and release instructions. Those payoffs are separate from the closing costs we pay.

A tax assessment, recorded lien, or older statement can help identify the question, but it may not show the current amount needed to settle it. The creditor or tax office provides current payoff information for the closing.

Start with the records you have

The address is enough to start a conversation. A parcel number, property-tax bill, lien or court notice, mortgage statement, payoff letter, creditor contact, or any notice with a date can help us understand what you are looking at. You do not have to assemble the whole file before calling.

If a notice lists a deadline or sale date, share it with us and confirm its current status with the office or lender named on it. The title company checks the records and written payoff or release instructions as the sale moves forward.

Think 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.

Ask the lender or lienholder for the current written payoff. The title company uses that amount and the release instructions to show how the payoff fits the closing.

What happens next

  1. 1. Talk through the house and notice

    Tell us the Florence address, what you know about the tax or lien, and any date or question that concerns you. Start with what you have; you can call before you have the full record.

  2. 2. Review the written terms

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

  3. 3. Confirm title and payoff details

    The title company checks ownership and recorded claims for the sale and confirms payoff and release instructions with the creditor or tax office. You can review the written closing figures before deciding whether to proceed.

  4. 4. Review the settlement and close

    The settlement statement lists the sale price, payoffs, taxes, and other closing costs. The title company confirms the final figures and handles the title-company closing.

Florence and Lauderdale County records and offices

Florence is in Lauderdale County, but City and County offices handle different questions. Use the office that matches the tax account, recorded document, or notice you have, and confirm the current status directly with that office.

Lauderdale County Revenue Commissioner

The Revenue Commissioner handles County property-tax assessment, collection, and record-search questions. For a tax bill or tax-account notice, use the parcel information and ask about the current balance or status. The mailing address is P.O. Box 794, Florence, AL 35631; phone (256) 760-5785.

A county property-tax matter or tax-sale notice is separate from a lender’s mortgage-foreclosure notice. For a tax notice, check the office named on it; for a mortgage notice, contact the lender or servicer and the legal contact listed there. The date and current status should be confirmed with the responsible office.

Property-tax notices and Alabama deed tax

Property-tax matters and mortgage foreclosure are separate

A County property-tax collection or sale notice is not the same as a lender’s mortgage-foreclosure notice. Check the tax account and any sale status with the office named on the County notice; check a mortgage notice with the lender or servicer and the legal contact named there. Lauderdale County’s Revenue Commissioner provides the property-tax assessment, collection, and record-search route.

Contact the Lauderdale County Revenue Commissioner →

Alabama deed tax

Alabama charges 50 cents for each $500 of taxable value, or any part of $500, when the deed is recorded with the County probate judge. A mortgage or vendor’s lien can reduce taxable value when Alabama mortgage tax has been paid; the closing attorney confirms the amount. The deed must include proof of its actual price or value. If proof is missing, the Probate Office uses the latest tax assessment and penalties can apply.

When you sell to us, we pay the closing costs. Your mortgage, liens, back taxes, and share of current property taxes are separate from those closing costs.

Read Alabama Code § 40-22-1 · Alabama Department of Revenue: Recordation Tax

Compare what may be left after costs and payoffs

Use your own estimated value, mortgage payoff, tax or lien amount, repairs, and selling costs to compare possible net proceeds. The calculator is an estimate; the title company confirms the actual payoff and settlement figures.

Open the Florence home-sale net proceeds calculator →

What sellers say about USA Home Buyers

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Florence property-liens and back-tax questions

Can I sell my Florence house with back taxes or liens before paying them?

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 with back taxes and liens — payoffs get handled through the closing, not by you upfront. When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing. The title company and the responsible creditor or tax office confirm the current figures for the sale.

What should I have ready when I call about a lien or back taxes?

Start with the property address and whatever you have: a tax bill, parcel number, lien or court notice, creditor contact, mortgage statement, or written payoff. You can call before you have every document; the current balance and release details can be checked as the sale is discussed.

Who checks the current lien or property-tax payoff?

The title company checks the property records and works with the named creditor or tax office for current payoff and release instructions. Lauderdale County’s Revenue Commissioner handles property-tax assessment, collection, and record-search questions. A public record or assessment is not the same as a current written payoff.

Is a property-tax sale notice the same as a mortgage-foreclosure notice?

No. A county property-tax matter or tax-sale notice is separate from a lender’s mortgage-foreclosure notice. For a tax account or record, contact the Lauderdale County Revenue Commissioner; for a mortgage notice, confirm the current status with the lender or servicer and the legal contact named on the notice. Share any deadline with us when you call.

How does Alabama deed tax work when I sell?

Alabama deed tax is 50 cents for each $500 of taxable value, or any part of $500, when the deed is recorded. A mortgage or vendor’s lien may reduce taxable value if Alabama mortgage tax has been paid; the closing attorney confirms the amount. When you sell to us, we pay the closing costs. Your mortgage, liens, back taxes, and share of current property taxes are separate.

What if the payoff is more than my Florence house is worth?

Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. The lender or other lienholder confirms the current payoff and any changed terms in writing.

What happens after I contact you?

We talk through the house and the information you have, then put the offer and terms in writing before you decide. The title company checks title and payoff instructions with the relevant creditor or tax office, prepares the closing figures, and handles the title-company closing.

Talk through the property

Start with the Florence address and the tax bill, lien, or notice you have. Use the form above or call 888-274-5006 to ask about a cash offer.

Call Now 888-274-5006