Louisville, KY · Jefferson County
When you sell to us, we can set it up so you don't have to prepay anything — it comes out at closing.
Yes. You can ask us about selling a Louisville house with back taxes or liens now. USA Home Buyers buys houses as-is in Louisville and Jefferson County. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Payoffs are reviewed as part of the sale and title-company closing.
Call 888-274-5006 to talk through the property. You can call before you have every record or payoff figure.
We'll give you a written cash offer within 24 hours.
Share the address and what you know about the tax bill, lien, or payoff.
When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing.
A lien is a claim that can affect the property or the money due at closing. A payoff is the current amount and instructions a creditor or tax office gives to satisfy a debt as of a stated date. The sale paperwork shows the figures being handled; your mortgage payoff, liens, back taxes, and share of current property taxes are separate from our closing-cost payment.
The title company reviews recorded claims and works with the lender, creditor, or tax office for current payoff and release information. The figures can change, so use the current statement or notice—not an old balance estimate—when discussing the sale.
If you have them, bring the property address or parcel number, current tax bill or notice, lien or judgment paper, mortgage statement, payoff letter, and any case or account number. A deed or other recorded document can also help identify what is in the county index. Start with what you have; you can call us before everything is gathered.
For recorded deeds and land documents, use the Jefferson County Clerk’s Office — Legal Records Division. For a current balance or tax-sale status, contact the taxing office shown on the current bill or notice; the recorded index is not a payoff statement.
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
Bring the current payoff statement or notice. The lender or tax office confirms its figures, and the title company checks the records and settlement details for the property.
Tell us the address, what you know about the lien or tax notice, and what timing concerns you. You do not need to have the full file before calling.
We review the house as it stands and discuss a written cash offer. You get the proposed price, responsibilities, and terms in writing before you commit.
If you want to proceed, the title company reviews ownership and recorded claims. The relevant lender, creditor, or tax office supplies current payoff or release information for the settlement figures.
The title company prepares the closing figures so you can see the sale price, payoffs, taxes, fees, and amount remaining. When you sell to us, we pay the closing costs, including the Kentucky real estate transfer tax.
Written offer and written terms before you commit; title-company closing.
The Jefferson County Clerk’s Legal Records Division provides the county’s recording and indexing reference. Use it to look for recorded deeds and land documents. A record search can help identify a recorded claim, but it does not tell you the current payoff amount; ask the creditor or tax office for the live figure and ask the title company to review the property records.
A tax-sale notice concerns unpaid property taxes; a mortgage-foreclosure case concerns enforcement of a mortgage loan. They are separate tracks, with different records and offices. For the current property-tax amount or sale status, use the contact on the tax bill or notice. For a mortgage case, use the lender and court information on those papers. Check the live notice or case rather than assuming one deadline tells you the status of the other.
Kentucky’s real estate transfer tax is 50 cents for each $500 of value, or fraction of $500—about 0.1%. On a $100,000 sale, that is $100. The law places the tax on the grantor (the seller), and the county clerk collects it before the deed can be recorded. Some transfers are exempt, so the title company can check whether an exemption applies. Recording fees are separate.
When you sell to us, we pay the closing costs, including the Kentucky real estate transfer tax. That does not pay your mortgage, liens, back taxes, or share of current property taxes.
Kentucky Revised Statutes § 142.050 — real estate transfer tax →
Use the Louisville home-sale calculator with your estimated value, mortgage payoff, lien or tax balance, repairs, and selling costs. Just an estimate — the actual number could be more or less depending on the home's condition.
Yes. When you sell to us, we can set it up so you don't have to prepay anything — it comes out at closing. Call or use the form with the property address and whatever bill, lien notice, or payoff information you have; you can start before every figure is assembled.
The Jefferson County Clerk’s Legal Records Division is a place to check recorded deeds and land documents. The recorded index is different from a current payoff: the creditor or tax office named in your notice confirms its current amount and instructions, and the title company reviews the records and payoff information for the sale.
No. A property-tax sale concerns unpaid property taxes; mortgage foreclosure concerns a mortgage loan and its court process. Use the current tax notice for the tax account or sale status, and the lender or court papers for a mortgage case. One notice does not establish the status or deadline of the other.
Kentucky charges 50 cents for each $500 of value, or fraction of $500—about 0.1%. The seller is responsible by law, the county clerk collects it before the deed can be recorded, and recording fees are separate. Some transfers are exempt; the title company can check whether an exemption applies.
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. Bring the current payoff statement or notice so the lender or office and title company can review the figures that apply to your property.
We talk through the house and the records you have, then put proposed sale terms in writing before you decide. If you choose to move forward, the title company reviews ownership and recorded claims and works with the relevant creditor or tax office on current payoff instructions and closing figures.
Call 888-274-5006 or use the form above. Start with the Louisville address and whatever tax or lien information you have.