Can I Sell My Long Prairie 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 Long Prairie and Todd County, including houses with back taxes or liens. We talk through the house and the information you have before you decide.

Call 888-274-5006 or use the form to ask for a written cash offer.

Talk through your lien or tax question

Share the Long Prairie or Todd County property address and whatever you know about the lien, payoff, tax account, or notice. You can start before every record is assembled.

We give written cash offers in 24 hours.

Tell us the address and what you know about the lien, back taxes, payoff, or notice.

How lien and tax payoffs work

Your mortgage payoff, lien balances, back taxes, and share of current property taxes are separate from closing costs, and those amounts affect what remains from the sale. Your lender, creditor, or taxing office provides current balances and payoff instructions; the title company checks the records and prepares the settlement.

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

Start with the records you have

A property address, parcel number if you have one, tax bill or notice, lien or court paper, mortgage statement, or current payoff statement can help us understand the situation. The creditor or taxing office can provide current balances and payoff instructions. The title company checks the property records and coordinates title and payoff details for the sale. Call with what you know; you do not have to gather everything first.

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 property
Tell us the address, what you know about the house, and what the notice or payoff says. You can call before you have every record or amount.
2. Review the written offer and terms
We discuss the house as-is and put the offer and sale terms in writing before you commit, including the price and how the payoff will be handled.
3. Check title and payoff details
The title company checks ownership and recorded claims for the sale. The lender, creditor, or taxing office confirms its current payoff and release information, and the closing figures are prepared from those records.
4. Review the closing figures and close
Review the settlement statement showing the sale price, payoffs, taxes, and closing costs and how those amounts affect what remains. If you choose to sell, closing is through a title company.

Long Prairie and Todd County records and tax facts

Minnesota deed tax for a Todd County sale

For an ordinary taxable transfer with net consideration over $3,000, Minnesota deed tax is 0.33% of that amount. Hennepin and Ramsey counties each add a 0.01% Environmental Response Fund tax; Long Prairie is in Todd County, so those county additions do not apply here. Exemptions and transfers with little or no consideration can change the tax, and the closing professional confirms the property county and taxable amount.

When you sell to us, we pay the closing costs, including Minnesota deed tax and applicable Hennepin or Ramsey County Environmental Response Fund tax.

Minnesota Department of Revenue deed-tax rates ↗ · Minnesota Statutes § 287.21 ↗ · § 287.22 exemptions ↗ · § 287.24 grantor liability ↗

Todd County tax notices and recorded-document questions

For a Todd County tax-account or recorded-document question, call Todd County Offices at 215 1st S, Suite 300, Long Prairie, MN 56347, phone 320-732-6447. Tell them what you need and ask which department can help.

City-hosted Todd County Offices listing ↗

Tax forfeiture and mortgage foreclosure are separate processes

A property-tax delinquency or forfeiture and a lender's mortgage foreclosure have separate notices and dates. For a tax question, follow the current tax notice and contact the office named on it. For a mortgage payoff, sheriff's sale, or court date, check the lender's current notice or the case information.

Read about mortgage foreclosure in Long Prairie →

Compare what you may keep

Compare a possible sale using your own estimates for value, mortgage, liens, back taxes, repairs, and other costs. Just an estimate — the actual number could be more or less depending on the home's condition.

Open the Long Prairie home-sale net proceeds calculator →

Seller reviews

What our sellers say

BBB A rating Read our Google reviews

“LISTEN, PROPERTY TAXES GOT TOO HIGH FOR MY FIXED INCOME. SOLD IT TO THEM. WALKED AWAY WITH CASH. GLAD IT'S OVER.”

Alex Pproperty taxes

“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”

Alice Wforeclosure

“no open houses. no realtors tracking dirt in. just a straight cash sale for our house so we could move. Glad it's over.”

Angela Rmoving

Read our Google reviews ↗

Long Prairie property liens and back taxes questions

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

Yes. USA Home Buyers buys houses as-is in Long Prairie and Todd County, including houses 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. You can call with the property address and what you know so far.

Who checks the payoff amount for a lien or back taxes?

Your lender, creditor, or taxing office can provide the current amount and payoff instructions. During the sale, the title company checks the property records and uses the confirmed figures to prepare the settlement.

What records should I have when I call?

A tax bill or notice, lien or court paper, mortgage statement, parcel number, or payoff statement can help us understand the situation. You can start with the property address and what you know so far.

Are property-tax forfeiture and mortgage foreclosure the same process?

No. Property-tax forfeiture and a lender’s mortgage foreclosure are separate processes, each with its own notices and dates. For a tax question, follow the current tax notice; for a mortgage payoff or sale date, check the lender’s current notice.

What Minnesota deed tax applies to a Long Prairie sale?

For an ordinary taxable transfer with net consideration over $3,000, Minnesota deed tax is 0.33% of that amount. Hennepin and Ramsey counties add a 0.01% Environmental Response Fund tax, but Long Prairie is in Todd County. Exemptions and transfers with little or no consideration can change the tax; the closing professional confirms the property county and taxable amount.

What if the payoff is more than my Long Prairie house is worth?