Madison County Tax Collector ↗
Contact the Tax Collector about a county property-tax bill or payment. The Mississippi DOR workbook lists C.J. Garavelli at 171 Cobblestone Drive, Madison, MS 39110; phone (601) 856-4472.
Madison, Mississippi · Madison County · Back taxes and liens
Can I Sell My Madison 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 Madison and Madison County, Mississippi. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Tell us what you know about the house and the tax or lien notice; you can call before you have every record or payoff detail.
Ask about a cash offer: call 888-274-5006 or use the form beside this message.
We give written cash offers in 24 hours.
Share the address and what you know about the tax notice, lien, or payoff.
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 lender, creditor, or tax office confirms the current payoff and any release instructions. The title company checks ownership and recorded claims for the sale and coordinates the confirmed payoff information. A tax assessment or an older bill is not a current payoff.
The closing-cost payment is separate from your mortgage, liens, back taxes, and share of current property taxes. Those amounts are handled as separate settlement items.
Start with the records you have
The property address is enough to start the conversation. If you have them, a tax bill or notice, parcel number, mortgage or lien statement, creditor contact, court paper, or a notice with a date can help us understand the situation. You can call before you have the complete file; we can talk through the house while the current payoff details are confirmed.
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 house and the notice
Share the Madison address and what you know about the tax bill, lien, creditor, or any date on a notice. You do not need every document to call.
2. Review the written offer and terms
We discuss the house as it stands and give you the offer and terms in writing before you commit. You can read them and decide whether you want to proceed.
3. Work through title and payoff details
If you choose to move ahead, a title company checks ownership and the records that affect the sale. The lender, creditor, or tax office confirms its current payoff and release instructions for the closing.
4. Review the settlement figures and close
The title company coordinates the closing. You can review the final settlement figures, including the sale proceeds and the confirmed payoffs, before closing.
Madison County offices for tax and deed-record questions
The Madison County Tax Assessor handles assessment and exemption questions; the Tax Collector handles county property-tax bills and payments. Mississippi DOR lists the county contacts below. Confirm current contact details with the office.
Madison County Tax Assessor ↗
Contact the Assessor about assessed value or exemptions. The Mississippi DOR workbook lists Norman A. Cannady, Jr. at 146 West Center Street, Madison, MS 39110-9197; phone (601) 856-1796.
Madison County Chancery Court Clerk ↗
The Chancery Clerk handles county deed-record and Chancery Court inquiries. The Mississippi Judiciary directory lists (601) 859-1177 and P.O. Box 404, Canton, MS 39046. For a court notice, use the court and case details shown on that notice.
Tax-sale and mortgage-foreclosure notices are different
A property-tax matter and a mortgage foreclosure are separate processes with separate notices and deadlines. If a tax notice gives a sale date, follow that notice and contact the office it names; do not use a mortgage-foreclosure date to work out a tax-sale deadline. For the mortgage process, read the Madison foreclosure page.
Mississippi deed recording fees
Mississippi has no state real-estate transfer tax; deeds are subject to recording fees. The county Chancery Clerk applies the statutory fee schedule and any other recording charge. When you sell to us, we pay the closing costs. Your mortgage, liens, back taxes, and share of current property taxes are separate settlement items.
Mississippi Department of Revenue tax laws and regulations → · Mississippi Chancery Clerks directory →
Compare possible net proceeds
Use your own estimates for the sale price, mortgage and lien payoffs, taxes, repairs, and selling costs to compare possible net proceeds. Just an estimate — the actual number could be more or less depending on the home's condition.
What our sellers say
“LISTEN, PROPERTY TAXES GOT TOO HIGH FOR MY FIXED INCOME. SOLD IT TO THEM. WALKED AWAY WITH CASH. GLAD IT'S OVER.”
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
“no open houses. no realtors tracking dirt in. just a straight cash sale for our house so we could move. Glad it's over.”
Madison property-liens and back-tax questions
Can I sell my Madison 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. Yes. USA Home Buyers buys houses as-is in Madison and Madison County, Mississippi. We can discuss the property and the records you have before you have every payoff detail.
Who confirms the current lien or property-tax payoff?
The lender, creditor, or tax office confirms its current payoff amount and release instructions. The title company checks ownership and recorded claims for the sale and works with the confirmed payoff information. An assessment or older bill is not the same as a current payoff.
What should I have ready before I call about a lien or back taxes?
Start with the property address. A current tax bill or notice, parcel number, mortgage or lien statement, court paper, creditor contact, or sale notice can help. You can call before you have everything.
Are a property-tax sale and a mortgage foreclosure the same thing?
No. A property-tax matter and a mortgage foreclosure are separate processes with separate notices and deadlines. Follow the current tax notice and contact the office named there. For mortgage-foreclosure questions, see the Madison foreclosure page.
What if the payoff is more than my Madison house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
Does Mississippi charge a state real-estate transfer tax?
Mississippi has no state real-estate transfer tax. Deeds are subject to recording fees, and the county Chancery Clerk applies the statutory fee schedule and any other recording charge. When you sell to us, we pay the closing costs. Your mortgage, liens, back taxes, and share of current property taxes are separate.
What happens after I contact you?
We talk through the house and your situation, then give you the offer and terms in writing before you commit. If you choose to proceed, a title company checks the sale records and coordinates payoff information and closing. You can review the settlement figures before closing.
Talk through the property
Start with the Madison address and whatever tax bill, lien, or notice you have. Call 888-274-5006 or use the cash-offer form.