Huntsville, Alabama · Madison, Limestone, Morgan, and Marshall Counties

Can I Sell My Huntsville 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 Huntsville and Madison, Limestone, Morgan, and Marshall Counties, Alabama. You can talk with us about a cash sale before you have every balance or record in hand.

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 through the property.

Talk through your Huntsville lien or tax question

Start with the property address and whichever notice, payoff letter, or record you have. You can call before you have everything together.

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.

By submitting, you agree to our Privacy Policy and Terms of Service. You consent to receive calls and texts from USA Home Buyers. We never share your information.

Prefer to call? 888-274-5006.

How lien payoffs and closing costs work

When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing.

Closing costs are separate from your mortgage balance, liens, back taxes, and share of current property taxes. The closing paperwork shows the costs and payoff items for the specific sale.

Written offer and written terms before you commit; title-company closing.

Start with the records you have

A current payoff comes from the creditor or county tax office; an older bill or letter may not show today's amount. The title company checks ownership and recorded claims, then coordinates current payoff instructions and settlement figures with the creditor or tax office. A tax notice, payoff letter, mortgage information, lien or court paper, parcel number, assessment record, and any sale notice can help. You can call us with the address before you have all of them.

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

  1. 1. Talk about the house and the notice

    Share the Huntsville-area address, what you know about the balance, and any timing shown on a tax, lender, or court notice. Start with what you know; you do not have to solve the payoff before calling.

  2. 2. Review the house and written terms

    We discuss the property as it stands and put the proposed price and sale terms in writing before you decide whether to proceed.

  3. 3. Confirm title and payoff information

    The title company reviews ownership and recorded claims for the transaction. The creditor or property-tax office supplies current payoff information, and the closing professionals coordinate the documents and figures needed for settlement.

  4. 4. Review the closing figures and close

    The closing paperwork shows the sale price, closing costs, current property-tax allocation, and confirmed payoffs. The title company handles the closing after the records and payoff instructions for the transaction are ready.

Huntsville-area county offices and Alabama deed tax

Huntsville city limits cross Madison, Limestone, Morgan, and Marshall Counties. Confirm the parcel's actual county before requesting a tax record or choosing an office; a city name or postal address alone does not assign the parcel to a county. The City of Huntsville GIS resources can help orient you, but the county property-tax office should confirm which records apply to the parcel.

Tax-sale notices and mortgage foreclosure are separate

A tax-sale notice concerns unpaid property taxes. A mortgage foreclosure concerns enforcement of a lender's mortgage. They are different processes: for a tax balance or tax-sale notice, ask the property's county tax office for the current account and sale status; for a mortgage-foreclosure notice, check its lender or servicer contact and dates. Do not use one notice to infer the deadlines in the other process.

Read the separate Huntsville foreclosure information →

Property-tax offices

These assessment and collection contacts come from the Alabama Department of Revenue county-office directory (checked October 6, 2026). Ask the office that matches the confirmed parcel county about its current account, assessment, notice, or sale status.

Madison County Tax Assessor and Tax Collector

Tax Assessor: 1918 N. Memorial Parkway, 2nd floor, Huntsville, AL 35801; 256-532-3350.

Tax Collector: 256-532-3370.

Limestone County Revenue Commissioner

Limestone County Courthouse, 100 S. Clinton St., Suite A, Athens, AL 35611; 256-233-6433.

Morgan County Revenue Commissioner

Morgan County Courthouse, 302 Lee St. NE, Decatur, AL 35601; 256-351-4696.

Marshall County Revenue Commissioner

Marshall County Courthouse, 424 Blount Ave., Suite 124, Guntersville, AL 35976; 256-571-7743.

Alabama deed tax and recording

Alabama charges deed tax when the deed is recorded with the county Probate Judge. The rate is 50 cents for each $500 of taxable value, or any part of $500. A mortgage or vendor's lien on which Alabama mortgage tax has been paid may reduce the taxable value; the closing attorney confirms the amount. The deed must include proof of the actual price or value. Without proof, the Probate office uses the latest tax assessment, and penalties can apply. The tax and recording fees must be paid before recording. Some deeds are exempt, including certain nominal-price deeds that only correct title.

When you sell to us, we pay the closing costs, including Alabama's deed tax.

Your mortgage, liens, back taxes, and share of current property taxes are separate from the closing costs we pay.

For deed recording, contact the Probate office in the parcel's confirmed county. The state directory lists the Madison County Judge of Probate at 256-532-3330; the tax-assessor and Revenue Commissioner contacts above are for property-tax questions, not deed recording.

Compare possible net proceeds

Use the editable Huntsville, Alabama 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 Huntsville home-sale net proceeds calculator →

What sellers say about USA Home Buyers

Huntsville property liens and back-tax questions

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

Yes. We buy houses as-is in Huntsville and Madison, Limestone, Morgan, and Marshall Counties. When you sell to us, we can set it up so you don't have to prepay anything — it comes out at closing. You can call with the address before you have every notice or payoff record.

Do I have to pay liens or back taxes before closing?

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

Who checks the current payoff amount?

The creditor or county property-tax office provides current payoff or tax-account information. The title company checks ownership and recorded claims, then coordinates payoff instructions and settlement figures for the specific sale.

Which county property-tax office should I contact?

Huntsville city limits cross Madison, Limestone, Morgan, and Marshall Counties. Confirm the parcel county before requesting a tax record or choosing an office; the city name or postal address alone does not assign a parcel to a county.

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

No. A tax-sale notice concerns unpaid property taxes; a mortgage foreclosure concerns enforcement of a lender's mortgage. Check the notice and its named contact for current status and dates, and do not use one process's notice to answer questions about the other.

What does Alabama charge for deed tax?

Alabama charges 50 cents for each $500 of taxable value, or any part of $500, when the deed is recorded. A mortgage or vendor's lien on which Alabama mortgage tax has been paid may reduce taxable value; the closing attorney confirms the amount. When you sell to us, we pay the closing costs, including Alabama's deed tax.

What records should I have when I call?

Start with the property address and any tax notice, payoff letter, mortgage information, lien or court paper, parcel number, assessment record, or sale notice you have. You can call before you have all of them.

What happens after I contact you?

We talk through the house and the records you have, review the property as it stands, and put proposed sale terms in writing before you decide. The title company checks ownership and recorded claims, and the creditor or tax office confirms current payoff information for closing.

More Huntsville seller information

Talk through the property

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

Call Now 888-274-5006