City of Murray Customer Service Center
The City's resident guide sends its tax-payment question to the Customer Service Center. The City contact page lists the Center and Mayor's Office at 500 Main Street.
Murray, Kentucky · Calloway County
Can I Sell My Murray 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 Murray and Calloway County, including houses with back taxes or liens. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. You can call before you have every payoff figure or record.
Ask about a cash offer: call 888-274-5006 or use the form below.
Talk through your Murray lien or tax question
Share the property address and whatever you have about the bill, notice, creditor, or payoff. You can start the conversation before every record is together.
We give written cash offers in 24 hours.
Share the Murray address and what you know about the lien, back taxes, or notice.
Prefer to 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 title company checks the sale records and works with the creditor or tax office named in your paperwork to confirm the current payoff and release instructions. An assessment or recorded document is not the same as a current payoff amount.
Start with the records you have
The property address is enough to start. A tax bill, lien or court notice, parcel number, creditor contact, or payoff statement can help us understand what you are looking at. You can call before you have everything; we can talk through the house while the current amounts are checked.
Think 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 through the house and the notice
Tell us the Murray address, what you know about the lien or tax account, and any date or question that concerns you. Start with what you have; you do not need the full file before calling.
2. Review the written offer and terms
We discuss the house as it stands and put the offer and terms in writing before you decide whether to proceed.
3. Confirm title and payoff details
If you choose to sell, the title company checks ownership and recorded claims for the transaction. It works with the creditor or tax office on current payoff and release information.
4. Review the settlement and close
The closing figures show the sale price, payoffs, taxes, and other listed costs. You review the written settlement details, and the sale closes through a title company.
Murray and Calloway County offices for tax and property records
City and county tax bills can have different contacts; use the office named on the bill or notice.
Calloway County Treasurer
The County lists the Treasurer at 101 South 5th Street, first floor, and 270-753-4030. Use the tax bill to confirm the correct office and payment instructions for that account.
Calloway County Property Valuation Administrator
For assessment or parcel-record questions, the County lists the PVA at 101 South 5th Street, first floor, and 270-753-3482. An assessment record is not a current lien or tax payoff.
Calloway County Clerk — Deeds
For deed-recording questions, the County lists the Clerk's Deeds line at 270-767-0429, at the Old Courthouse, 101 South 5th Street, second floor. This is separate from the Clerk's Auto line.
Tax notices, mortgage foreclosure, and transfer tax
A tax notice is different from a mortgage foreclosure
A property-tax bill or tax-sale notice is not a mortgage-foreclosure case. Kentucky mortgage foreclosures go through Circuit Court. For a tax question, contact the office named on the bill or notice; for a foreclosure case, use the case information and confirm current clerk contact details with the Kentucky Court of Justice, Calloway County. The Calloway County Judicial Building is at 312 N. 4th Street in Murray.
Kentucky real estate transfer tax
Kentucky charges 50 cents for each $500 of value or fraction of $500. State law assigns the tax to the grantor—the seller—and the County Clerk collects it before the deed can be recorded. Some transfers are exempt, and recording fees are separate; the title company can confirm what applies to your sale.
When you sell to us, we pay the closing costs, including the Kentucky real estate transfer tax.
This transfer-tax payment does not pay your mortgage, liens, back taxes, or share of current property taxes. Those are separate settlement amounts.
Read Kentucky Revised Statutes § 142.050 on real estate transfer tax →
Compare possible net proceeds after payoffs
Use your own estimates for the sale price, mortgage, lien or tax payoff, repairs, and selling costs. The calculator is a planning estimate; the title company confirms the payoff and settlement figures for your sale.
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.”
Murray property liens and back-tax questions
Can I sell my Murray house with back taxes or liens before paying them?
Yes. You can call us before you have every record or payoff figure. When you sell to us, liens are paid from the sale at closing; the title company and the office or creditor named in your records confirm the current figures and release details.
Who checks the current balance on a lien or tax bill?
The title company works with the lienholder or tax office named in your records to confirm current payoff and release information. An assessment or recorded document is not a current payoff quote.
What records should I have before I call?
Start with the property address and whatever you have, such as a tax bill, lien or court notice, creditor contact, parcel number, or payoff statement. You can call before you have everything.
Is a property-tax sale the same as a mortgage foreclosure?
No. Property-tax questions follow the office named on the tax bill or notice. A Kentucky mortgage foreclosure is a Circuit Court case. Check the actual notice or case information for the current office, status, and timing.
How does Kentucky real estate transfer tax work when I sell?
Kentucky charges 50 cents for each $500 of value or fraction of $500. The grantor—the seller—owes the tax under the statute, and the County Clerk collects it before the deed is recorded. Some transfers may be exempt, and recording fees are separate. When you sell to us, we pay the closing costs, including the Kentucky real estate transfer tax. Mortgage balances, liens, back taxes, and your share of current property taxes are separate.
What if the payoff is more than my Murray house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. Any changed payoff or release terms need to be confirmed with the lender for your sale.
What happens after I contact you?
We talk through the house and the information you have, then give you the offer and terms in writing before you commit. If you choose to proceed, the title company checks the sale records, confirms payoff details with the relevant offices and lienholders, and handles the closing.
Talk through the property
Call 888-274-5006 or use the form above. Start with the Murray address and the tax bill, lien, or notice you have.