USA Home Buyers

Lexington, Kentucky · Fayette County

Can I Sell My Lexington 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 Lexington and Fayette County, including houses with liens or back taxes. We can talk through the property while the title company, creditor, and tax office check the records and current payoff details. You can call before you have every document.

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 Lexington lien or tax question

Share the property address and what you know about the lien, tax notice, payoff, creditor, or court paper. Start with whatever information you have.

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

We give written cash offers in 24 hours.

Tell us the Lexington 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 liens and payoffs work at closing

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

Mortgage balances, back taxes, liens, and your share of current property taxes are separate settlement items, not part of our closing-cost payment. The title company uses current payoff instructions and tax figures to show the transaction amounts on the closing statement.

Which records help, and who checks the balances?

The Fayette County Clerk publishes delinquent-tax information and land-record resources. The Sheriff handles current property-tax bills and payment-status questions; delinquent-bill questions go to the Clerk. A lender or other creditor provides its current payoff amount and instructions. The title company checks ownership and recorded claims for the sale.

Useful starting records include the property address and parcel number, a tax bill or delinquency notice, mortgage payoff statement, lien notice, deed, and any court paper or case number. These help identify the account or claim, but you do not need to collect everything before calling.

The Fayette County PVA can answer assessment and property-record questions. An assessment is not a current payoff, closing balance, or title search. You can call 888-274-5006 with what you have.

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. 1. Talk through the house and the records

    Tell us the Lexington address, what you know about the house, and what the notice or payoff says. Start with what you have; you do not need to solve the payoff before calling.

  2. 2. Review the house and written terms

    We review 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 information

    The title company checks ownership and recorded claims for the transaction. Your creditor and the responsible tax office provide current payoff or release information, and the closing professionals use it to prepare the figures.

  4. 4. Review the closing figures and close

    The closing statement shows the sale price, confirmed payoffs, taxes, and other charges. The title company coordinates the closing and applies the amounts shown there.

Fayette County tax, court, and transfer-tax facts

Delinquent property taxes and mortgage foreclosure use different records

For a delinquent property-tax bill, start with the Fayette County Clerk's delinquent-tax information. The Sheriff's Property Tax Division handles current bills and payment-status routing. A mortgage foreclosure concerns a home loan and proceeds through a court case; if a court orders a sale, the Fayette Circuit Court Master Commissioner provides local sale-search information. Check the notice and official court record for the status of a specific property. Read Kentucky's judicial-sale rules.

Kentucky real estate transfer tax

Kentucky charges 50 cents for each $500 of value, or fraction of $500. The law makes the grantor—the seller—responsible, and the county clerk collects the tax before the deed is recorded. Some transfers are exempt, and recording fees are separate. When you sell to us, we pay the closing costs, including the Kentucky real estate transfer tax.

The transfer-tax closing-cost promise is separate from mortgage balances, liens, back taxes, and your share of current property taxes. Read Kentucky Revised Statute 142.050 for the tax, collection, and exemption rules.

Fayette County offices and records

Lexington-Fayette Urban County Government is the official local-government name for the City of Lexington. These Fayette County offices handle different records, so use the office that matches the notice or question.

Compare possible net proceeds

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

Open the Lexington home-sale net proceeds calculator →

What sellers say about USA Home Buyers

5.0 out of 5 on Google

Lexington property liens and back taxes questions

Can I sell my Lexington 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. Current payoff amounts and instructions are checked as the sale moves forward.

Who checks the tax balance, lien records, and payoff?

The Fayette County Clerk publishes delinquent-tax information and land-record resources. The Sheriff handles current property-tax bill and payment-status questions; a delinquent-bill question goes to the Clerk. A lender or other creditor gives its current payoff instructions, and the title company checks ownership and recorded claims for the transaction. The PVA handles assessment and property-record questions, not a closing payoff or title determination.

Are delinquent property taxes and mortgage foreclosure the same process?

No. The County Clerk is the local route for delinquent property-tax information. A mortgage foreclosure concerns a home loan and proceeds through a court case; if the court orders a sale, the Fayette Circuit Court Master Commissioner provides local sale-search information. Check the notice and official court record for the status of a specific property.

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

Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.

What should I have ready when I call?

Start with the property address and whatever you have: a tax bill or delinquency notice, parcel number, mortgage payoff statement, lien notice, or court paper and case number. You can call before you have every record assembled.

What happens after I contact you about a lien or tax balance?

We talk through the house and the information you have. We put an offer and its terms in writing before you decide. The title company, creditor, and responsible tax office confirm the ownership, recorded claims, current payoff information, and closing figures for the transaction.

Talk through the property

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

Call Now 888-274-5006