Lubbock, Texas · Lubbock County

Can I Sell My Lubbock 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 Lubbock and Lubbock County, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We buy houses with back taxes and liens, with payoffs handled through closing rather than by you upfront. You can call or send the address before you have every record or balance.

Call 888-274-5006 to talk through the property.

Tell us about the lien or tax notice

Start with the property address and what you know. You do not need a final payoff figure or a complete file to call or use the form.

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

We give written cash offers in 24 hours.

Share the property address and what you know about the lien, tax bill, or payoff.

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Prefer to talk? Call 888-274-5006.

How lien and tax payoffs work

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

The closing-cost promise does not pay your mortgage balance, liens, back taxes, or your share of current property taxes. The title company and the creditor or taxing office confirm the current amounts and payoff instructions for the transaction.

A lien is a legal claim tied to a property or the money due from its sale. A payoff is the current amount and instructions a creditor or taxing office gives to satisfy an obligation as of a stated date. The final settlement statement shows the sale amount and the payoffs and other items charged at closing.

Records that can help

Use whatever you already have: the property address, a recent tax bill or notice, a creditor's payoff statement, mortgage information, a case or account number, a deed, or the parcel number. The title company checks recorded property documents for the sale; the lender, creditor, or taxing office confirms its current payoff figures and instructions. Lubbock County directs property-level assessment and tax-bill questions to LCAD, and the County Clerk links to local real-property records.

You can call before the records are complete. If you have a notice or court paper, keep it nearby so we can discuss what it says and which office or creditor it names.

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 about the house and the records you have

    Tell us the address, the notice or payoff amount you have seen, and any timing that concerns you. You can start with what you know; you do not need to resolve the lien or tax account before calling.

  2. 2. Review the written offer and terms

    We discuss the house as it stands and give you a written cash offer and written terms before you commit. Read the proposed price, responsibilities, payoff treatment, and closing terms before deciding whether they fit your situation.

  3. 3. The title company checks the sale details

    The title company reviews ownership and recorded claims for the transaction. The relevant creditor or taxing office confirms current payoff information and release instructions; the closing team uses those details to prepare the settlement figures.

  4. 4. Review the settlement statement and close

    The settlement statement lists the sale price, payoffs, taxes, fees, and the amount remaining after those items. Closing takes place through a title company, which provides the transaction's final figures.

Lubbock County records and offices

Different records answer different questions. A tax-account lookup is not a title search, and a trustee-sale notice is not a property-tax account or a determination about a specific parcel.

Lubbock County Courts directory ↗

The directory lists the County Courts at Law and a contact point. It is an office reference, not a decision about which court handles an unprovided tax case. If you have court papers, use the court and case information on those papers to check the current record.

Lubbock County Clerk — Notice of Trustee Sales ↗

This County Clerk page posts trustee-sale notices. A mortgage foreclosure trustee sale is separate from a property-tax matter. Check any notice and confirm its current status with the trustee or loan servicer; the notice page alone does not establish whether a particular property is listed or what deadline applies.

Texas transfer-tax and deed-recording facts

Texas has no state, county, or city real estate transfer tax. The deed is signed before a notary and recorded with the county clerk. Recording fees are charged by the page, not by the sale price, and can be higher if a deed leaves out the buyer's mailing address. The Texas Constitution, Article VIII, Section 29 and the Texas Legislative Council's explanation describe the transfer-tax rule; the Lubbock County Clerk's Real Property page links to local recording information.

When you sell to us, we pay the closing costs. Your mortgage, liens, back taxes, and share of current property taxes are separate. Ask the title company about the recording charges for the deed and details of your specific settlement.

Compare possible net proceeds

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

Open the Lubbock home-sale net proceeds calculator →

Testimonials are real, from our transactions, verified and approved by our attorneys. Each review shows the seller's actual location.

What sellers say about USA Home Buyers

Lubbock property liens and back taxes questions

Can I sell my Lubbock 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. The title company and the creditor or taxing office confirm the current payoff information and instructions for the sale.

What records should I have when I call?

Start with the property address and whatever notice, tax bill, payoff statement, creditor or case number, deed, or parcel information you already have. You can call before you have everything; the page above links to Lubbock County Clerk real-property records and LCAD property-tax information.

Who checks the lien balance and payoff amount?

The title company checks the property records for the transaction, and the creditor or taxing office supplies current payoff figures and instructions. LCAD provides property-level assessment and tax-bill information; it does not determine every lien or a specific closing payoff.

Are Lubbock County trustee-sale notices the same as a property-tax sale?

No. The County Clerk has a Notice of Trustee Sales page for trustee-sale notices, which are a separate route from property-tax matters. Use LCAD for property-level assessment and tax-bill information, and check the actual court or sale papers for a property-specific tax case or status.

Does Texas charge a real estate transfer tax when I sell?

No. Texas has no state, county, or city real estate transfer tax. A deed is signed before a notary and recorded with the county clerk; recording fees are based on the pages and filing details, not the sale price.

What if the payoff is more than my 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 you?

We talk about the house and the information you have, then give you a written offer and written terms before you commit. A title company checks the sale records and works through payoff details with the relevant creditor or taxing office before closing.

Talk through the property

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

Call Now 888-274-5006