Knoxville, Tennessee · Knox County

Can I Sell My Knoxville 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 Knoxville and Knox County, Tennessee, including houses with back taxes or liens. You can call before you have every record. The creditor or tax office confirms the current balance and instructions; the title company checks the property records and closing details.

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 Knoxville lien or tax question

Share the property address and whatever you know about the notice, creditor, payoff, or tax account. You do not need to assemble every record before we talk.

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

We give written cash offers in 24 hours.

Start with 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 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 creditor or tax office provides the current payoff amount and instructions. The title company checks the recorded property claims and uses current figures in the settlement work. Your mortgage, liens, back taxes, and share of current property taxes are separate from our closing-cost promise.

Records that help — and who checks them

A recent property-tax bill or notice, lien or mortgage statement, payoff letter, creditor or court paper, parcel number, or tax-sale notice can help. Start with the property address if that is all you have; you can call before the paperwork is complete.

The creditor or tax office named on a notice confirms its current balance, status, and instructions. The Knox County Register of Deeds handles recorded-document questions; the title company checks the records and confirms what applies to the proposed sale. An Assessor record is for assessment and parcel information, not a current payoff amount.

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

Start with a conversation, not a stack of paperwork. Here is how the property discussion, written terms, title and payoff checks, and closing fit together.

  1. 1. Tell us about the property

    Share the Knoxville address and what you know about the lien, tax notice, payoff, or timing. You do not need to settle the balance or gather every record before calling.

  2. 2. Review the house and written terms

    We review the house as-is and put the offer and proposed terms in writing before you decide. Read the price, responsibilities, payoff treatment, and closing terms.

  3. 3. Check title and payoff information

    If you choose to proceed, the title company checks ownership and recorded claims for the sale. The creditor or tax office confirms its current payoff or release instructions, and the closing figures are prepared from the information that applies to the property.

  4. 4. Review the settlement and close

    Review the sale price, payoffs, taxes, closing costs, and amount left after those items. Written offer and written terms before you commit; title-company closing.

Knox County offices for liens, taxes, and property records

Knox County identifies Knoxville as the county seat and the City and County as separate governments. Residents inside Knoxville city limits pay both City and County taxes, but that general description does not determine a particular property’s jurisdiction or bill. Use the property address and current notice when contacting an office.

Knox County Trustee ↗

Contact the Trustee about county property-tax payments, current tax information, and tax-sale questions. The office is in Suite 427 of the Knoxville City County Building, 400 Main Street, Knoxville, TN 37902. Phone: 865-215-2305.

Knox County Register of Deeds ↗

Use the Register of Deeds for county recording and deed-record questions. Recorded documents can help identify filings, but they do not by themselves establish title or give a current creditor payoff. The office is in Suite 225 of the Knoxville City County Building, 400 Main Street, Knoxville, TN 37902. Phone: 865-215-2330.

Knox County Property Assessor ↗

Use the Assessor for assessment and property-lookup questions. An assessment is not a lien payoff or a parcel-specific tax balance. The office is at the Knoxville City County Building, 400 Main Street, Knoxville, TN 37902. Phone: 865-215-2360.

Knox County Government ↗

Check the County’s government information when you need to distinguish county services from City of Knoxville services. Confirm the particular parcel’s jurisdiction with the relevant office.

Knox County tax sales, mortgage foreclosure, and Tennessee transfer tax

A property-tax sale is not a mortgage foreclosure

The Knox County Trustee is the local contact for property-tax payment and tax-sale information. A property-tax sale and a lender’s mortgage-foreclosure process are separate; use the current tax notice for the tax question and the lender or servicer’s notice for the mortgage question. A sale agreement does not replace checking the actual notice and its current status. For lender-foreclosure information, see the Knoxville foreclosure page.

Knox County Trustee tax information →

Tennessee realty transfer tax

Tennessee charges a realty transfer tax when a deed is recorded. The rate is 37 cents for each $100 of the price paid or the property’s value, whichever is greater. By law, the buyer pays it, and the county Register of Deeds collects it for the state. Some transfers are exempt, including certain transfers between spouses, divorce settlements, an executor’s deed carrying out a will, and transfers into or out of a revocable living trust. The title company can confirm how the tax applies to a particular transfer. Tennessee Department of Revenue recordation-tax information.

When you sell to us, we pay the closing costs, including Tennessee’s realty transfer tax. Your mortgage, liens, back taxes, and share of current property taxes are separate.

Compare possible net proceeds

Use the Knoxville home-sale net proceeds calculator to compare an estimated sale price, mortgage payoff, lien or tax amount, and other costs. Just an estimate — the actual number could be more or less depending on the home's condition.

Open the Knoxville home-sale net proceeds calculator →

What sellers say about USA Home Buyers

Knoxville property liens and back taxes questions

Can I sell a Knoxville 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. USA Home Buyers buys houses as-is in Knoxville and Knox County. You can call before you have every record; the creditor or tax office confirms the current amount and instructions as the sale moves toward closing.

Who checks the current lien or property-tax balance?

The creditor or tax office holding the account confirms its current balance and payoff instructions. The title company checks the property records and coordinates the title and settlement work for the sale.

What records should I have when I call?

Start with the property address and any tax notice, lien or mortgage statement, creditor or case number, parcel information, or sale notice you already have. You can call before you have everything assembled.

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

No. A Knox County property-tax sale and a lender’s mortgage-foreclosure process are separate. Ask the Trustee about a tax notice or tax-sale status; use the lender or servicer’s current notice for mortgage-foreclosure questions.

What if the payoff is more than my Knoxville 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 records you have, review the property as-is, and put the proposed offer and terms in writing before you decide. If you choose to proceed, the title company and the responsible creditor or tax office check the current title and payoff information for closing.

What is Tennessee’s realty transfer tax?

Tennessee charges a realty transfer tax when a deed is recorded: 37 cents for each $100 of the price paid or the property’s value, whichever is greater. The buyer pays it by law. When you sell to us, we pay the closing costs, including Tennessee’s realty transfer tax. Your mortgage, liens, back taxes, and share of current property taxes are separate.

More Knoxville seller information

Talk through the property

Call 888-274-5006 or use the form above. Start with the Knoxville address and whatever tax or lien information you have.

Call Now 888-274-5006