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 amount and payment or release instructions. The title company checks ownership and recorded claims, then works the payoff details into the closing.
No agent commissions when you sell to us. No fees.
Records and the next step
Start with the property address and whatever you know about the balance or notice. A current tax bill, lien or court paper, payoff statement, or tax-sale notice can help us talk through it. You can call before you have everything; if a notice gives a sale or payment date, tell us when you call.
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 property
We talk about the house, what you know about the amount owed, and any notice or date that is worrying you.
2. Read the written offer and terms
You get a written offer and written terms before you commit, and we close through a title company.
3. Work through title and payoffs
If you choose to sell, the title company checks ownership and recorded claims and works with the lender, creditor, or Collector on current payoff details.
4. Close through the title company
Close as fast as 7 days when title and closing details allow.
Oakville property-tax and land-record offices
Oakville is in St. Louis County. The County Collector handles property-tax bills and tax-sale questions; the Recorder of Deeds keeps recorded deeds and other land documents.
St. Louis County Collector of Revenue ↗
Contact the Collector about a County property-tax bill, balance, payment, or tax-sale notice.
St. Louis County Recorder of Deeds ↗
Find information about recorded deeds and other land documents.
A property-tax sale is different from mortgage foreclosure
A County tax sale concerns delinquent property taxes. Mortgage foreclosure concerns a home loan; when a deed of trust allows a power of sale, the lender can use a trustee's sale without a court case. The notices follow separate processes. For a mortgage trustee's sale, see the Oakville foreclosure page.
Missouri transfer taxes and deed-recording fees
Missouri's Constitution bars the state, counties, and other local governments from imposing new taxes on the sale or transfer of real estate after December 2, 2010. State law sets deed-recording fees at $5 for the first page and $3 for each additional page, plus per-document fees. The title company or closing professional confirms the exact recording charges.
Mo. Const. art. X, §25 — real-estate transfer taxesRSMo §59.310 — deed-recording fee per pageRSMo §59.319 — recorder user feeRSMo §59.800 — additional recording fee
Compare possible sale proceeds
Compare a possible sale with your mortgage payoff, liens or back taxes, repairs, and other costs using the Oakville home-sale net proceeds calculator.
Open the Oakville home-sale net proceeds calculator →
What our sellers say
Questions about liens and back taxes in Oakville
Oakville property liens and back taxes questions
Can I sell my Oakville house with back taxes or liens 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.
Do I need all the lien or tax records before I call?
No. Start with the Oakville property address and whatever bill, notice, payoff statement, or court paper you have. You can call before you have every record or current balance.
Is a St. Louis County tax sale the same as mortgage foreclosure?
No. A tax sale concerns delinquent property taxes; mortgage foreclosure concerns a home loan. They follow separate processes. The St. Louis County Collector of Revenue handles county property-tax bills and tax-sale questions.
What if the payoff is more than my Oakville house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
What does Missouri charge when a house is sold?
Missouri’s Constitution bars state and local governments from imposing new taxes on a real-estate sale or transfer after December 2, 2010. Deed-recording fees still apply: $5 for the first page and $3 for each additional page, plus per-document fees set by state law. The title company or closing professional confirms the exact recording charges.
How soon can we close?
Close as fast as 7 days when title and closing details allow.
Talk through the property
Call 888-274-5006 with the address and whatever you know about the lien, payoff, or tax notice.