Montgomery County Revenue Commissioner ↗
Start here for Montgomery County property-tax account questions. Use the property address or parcel information and the tax notice you have; confirm a current balance or notice status with the county office.
Montgomery, Alabama · Montgomery County
Can I Sell My Montgomery 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 Montgomery and Montgomery County, Alabama, including houses with back taxes or liens. You can talk with us about a cash sale before you have every balance or record in hand.
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 Montgomery lien or tax question
Start with the property address and whichever notice, payoff letter, or record you have. You can call before you have everything together.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Tell us the address and what you know about the notice, payoff, creditor, or tax account.
Prefer to call? 888-274-5006.
How payoff and closing costs work
When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing.
Closing costs are separate from your mortgage balance, liens, back taxes, and share of current property taxes. The closing paperwork shows the costs and the payoff items for the specific sale.
Written offer and written terms before you commit; title-company closing.
Start with the records you have
A current payoff comes from the creditor or tax office; an older bill or letter may not show today's amount. The title company reviews ownership and recorded claims, then coordinates current payoff instructions and settlement figures with the responsible creditor or tax office. A tax notice, payoff letter, mortgage information, lien or court paper, parcel number, and any sale notice can help. You can call us with the address before you have all of them.
If the payoff is more than the 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 next
1. Talk about the house and the notice
Share the Montgomery address, what you know about the balance, and any timing shown on a tax, lender, or court notice. You can start with the information you have.
2. Review the house and written terms
We discuss the property as it stands and put the proposed price and sale terms in writing before you decide whether to proceed.
3. Confirm title and payoff information
The title company reviews ownership and recorded claims for the transaction. The creditor or tax office supplies current payoff information, and the closing professionals coordinate the documents and figures needed for settlement.
4. Review the closing figures and close
The closing figures show the sale price, closing costs, tax allocation, and confirmed payoffs. The title company handles the closing after the required records and payoff instructions are ready.
Montgomery County offices and Alabama tax facts
A tax-sale matter and a mortgage foreclosure are different. A tax-sale notice concerns delinquent property taxes; a mortgage foreclosure concerns enforcement of a mortgage. Check the actual notice and the office or case named on it for current status and dates. Do not use one process's notice or timing to answer the other.
Montgomery County Probate Court — Records & Recording Division ↗
This is the county office identified for Montgomery County records and recording questions. The title company can review the property records and explain which recorded claims or documents affect the closing.
Alabama deed tax when a house sells
Alabama charges deed tax when the deed is recorded with the county probate judge. The rate is 50 cents for each $500 of taxable value, or any part of $500. With no applicable mortgage-tax deduction, a $100,000 sale has $100 in deed tax. A mortgage or vendor's lien on which Alabama mortgage tax has been paid may reduce the taxable value; the closing attorney confirms the amount. The deed must include proof of the actual price or value. Without that proof, the probate office uses the latest tax assessment, and penalties can apply. The tax and recording fees must be paid before recording.
When you sell to us, we pay the closing costs, including Alabama's deed tax.
Your mortgage, liens, back taxes, and share of current property taxes are separate from the closing costs we pay.
Compare possible net proceeds
Use the editable Montgomery, Alabama home-sale net proceeds calculator with your own estimated value, mortgage payoff, lien or tax amount, repairs, cleanout, carrying costs, and closing costs. Just an estimate — the actual number could be more or less depending on the home's condition.
What sellers say about USA Home Buyers
Montgomery property liens and back-tax questions
Can I sell my Montgomery house with back taxes or liens?
Yes. We buy houses as-is in Montgomery and Montgomery County, including houses with back taxes or liens. You can call before you have every notice or payoff record; when you sell to us, we can set it up so you don't have to prepay anything — it comes out at closing.
Do I have to pay my liens or back taxes before closing?
When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing. Your mortgage, liens, back taxes, and share of current property taxes are separate from the closing costs we pay.
Who checks the current payoff amount?
The creditor or tax office provides current payoff or tax-account information. The title company checks the property records and coordinates the payoff instructions and settlement figures for the sale.
Are a tax sale and a mortgage foreclosure the same thing?
No. A tax-sale matter concerns delinquent property taxes; a mortgage foreclosure concerns enforcement of a mortgage. Check the actual notice and the office or case named on it for current status and dates.
What records should I have when I call?
Start with the Montgomery property address and any tax notice, payoff letter, mortgage information, lien or court paperwork, parcel number, or sale notice you have. You can call with what you know and add records later.
How is Alabama deed tax figured when a house sells?
Alabama charges 50 cents for each $500 of taxable value, or any part of $500, when the deed is recorded. A mortgage or vendor’s lien with Alabama mortgage tax paid may reduce taxable value; the closing attorney confirms the amount. When you sell to us, we pay the closing costs, including Alabama’s deed tax.
What happens after I contact you?
We talk through the house and the records you have, review the property as it stands, and put proposed price and sale terms in writing before you decide. If you choose to proceed, the title company reviews ownership and recorded claims and works with the creditor or tax office on payoff information for closing.
More Montgomery seller information
Talk through the property
Call 888-274-5006 or use the form above. Start with the Montgomery address and the notice or payoff information you have.