How lien and back-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 property records and works with your lender, creditor, or tax office to confirm current payoff amounts and instructions. Mortgage balances, lien balances, back taxes, and your share of current property taxes are listed separately in the settlement.
No agent commissions when you sell to us. No fees.
What records can help
A recent tax bill or notice, a lender or creditor payoff statement, court papers, or a tax-sale notice can help us understand the balance or claim. You can call with the property address before you have every document or a confirmed payoff.
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
Talk through the house
Tell us the New Albany address and what you know about the lien, tax bill, or notice. You can start with what you have.
Review the written terms
You get a written offer and written terms before you commit, and we close through a title company.
Confirm payoffs and close
We work with the title company and the lender, creditor, or tax office on payoff details. Close as fast as 7 days when title and closing details allow.
Floyd County property records and sale notices
An Indiana mortgage foreclosure is a court case that can lead to a sheriff's sale. A Floyd County property-tax sale is separate, with its own notice and date. If you have either notice, tell us what it says and we'll talk through it with you.
For a mortgage sheriff's sale, see the Floyd County Sheriff's sales information. For recorded county documents, the Recorder provides an online records search. The Floyd County Treasurer handles the local property-tax-bill contact route.
Floyd County Treasurer
Contact this office about the county property-tax bill.
Floyd County Auditor
This office handles property-transfer records, tax calculations, and property-tax notifications.
Floyd County Recorder
Use the county's online records search for recorded county documents.
Indiana property-transfer filing fee
Indiana's property-transfer filing fee is usually $20, though some transfers are exempt. Deed recording and other closing charges are separate. The Floyd County Auditor handles the filing for property-tax records. See Floyd County Auditor information.
When you sell to us, we pay the closing costs.
Compare possible net proceeds
Compare what you may keep after the sale costs and payoffs.
Open the New Albany home-sale net-proceeds calculator →Questions about liens and back taxes
New Albany property liens and back taxes questions
Can I sell my New Albany house with liens or back taxes before paying them?
Yes. When you sell to us, we can set it up so you don't have to prepay anything — it comes out at closing. We buy houses with back taxes and liens, and payoffs are handled through the closing. Call with the address and whatever notice or payoff information you have; you can start before every balance is confirmed.
How are liens and back taxes paid when I sell?
When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing. The title company checks property records and works with the lender, creditor, or taxing office to confirm current payoff amounts and instructions.
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 records can help with a call?
A recent property-tax bill or notice, lender or creditor payoff statement, court paper, or tax-sale notice can help. You can call with the address before you have every record or a confirmed payoff.
Is a property-tax sale the same as mortgage foreclosure?
No. An Indiana mortgage foreclosure is a court case that can lead to a sheriff's sale. A Floyd County property-tax sale is a separate process with its own notice and date.
What does Indiana charge for property-transfer reporting?
The filing fee is usually $20, and some transfers are exempt. Deed recording and other closing charges are separate. The Floyd County Auditor handles the property-tax-record filing. When you sell to us, we pay the closing costs.
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.”
“Just wanted to say, taxes were 3 years behind on my house... county was going to auction it... they bought it, paid the taxes at closing, gave me the rest... Thanks...”
Talk with us about the New Albany house
Call 888-274-5006 or use the form above to talk through the address and what you know about the lien or tax notice.