Adams County Recorder of Deeds ↗
The Recorder of Deeds is the county land-record office for deed and record questions. Use its land-records search for deed records. A deed search does not confirm a current tax balance or a creditor's payoff amount.
Quincy, Illinois · Adams County
Can I Sell My Quincy 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 Quincy, Illinois and Adams County, including houses with back taxes or liens. We can talk through the property before you have every tax notice, payoff statement, or record in hand.
Call 888-274-5006 to talk through the property, or use the form below.
Talk through your Quincy lien or tax question
Share the property address and whatever you know about the notice, payoff, creditor, or tax account. You can call before you have every record.
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.
How tax and lien payoffs work
When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing.
A lien is a legal claim that may affect the property's title or the money due at closing. A payoff is the current amount and instructions to satisfy a particular obligation. An old bill or statement may not show the current payoff.
The creditor or tax office confirms its current balance and payment or release instructions. The title company checks ownership and recorded claims, then works through the payoff information that applies to this property. The figures for the sale are reviewed as part of closing.
Start with the records you have
The property address is enough to start the conversation. If they are handy, bring the parcel number, current tax bill or delinquency notice, lien or mortgage statement, creditor letter, court paper, or sale notice. You can call before you have everything. The office or creditor named on a notice can confirm its current account and status.
The Adams County Treasurer tax-records page is a starting point for county property-tax records. A tax record or older bill is not a current payoff quote for a sale.
Prefer to talk by phone? Call 888-274-5006.
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
Start with a conversation, not a complete file. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
1. Talk through the Quincy property
Tell us the address, what you know about the house and the lien or tax question, and any notice or timing concern. You do not need to work out the payoff before calling.
2. Review the house and written terms
We review the house as it stands and give you the proposed cash offer and terms in writing before you decide. Read the price, responsibilities, payoff treatment, and closing terms before committing.
3. Confirm title and payoff details
The title company checks ownership and recorded claims for the sale. The creditor or tax office confirms its current payoff and release instructions so the closing figures reflect the property and the claim.
4. Review the closing figures and close
Review the written settlement figures, including the sale amount, agreed payoffs, transfer taxes, other closing costs, and what remains after those items. The sale closes through a title company.
Written offer and written terms before you commit; title-company closing.
Quincy and Adams County records, tax sales, and transfer taxes
Use the office that matches the record or notice in front of you. Deed and land records, property-tax accounts, lender payoffs, and court cases are different records.
Adams County Treasurer — tax records ↗
Start here for Adams County property-tax records. If you have an unpaid-tax notice, use its parcel or notice details and confirm the current status with the county.
An Illinois tax sale is separate from mortgage foreclosure
A property-tax sale concerns delinquent property taxes; mortgage foreclosure is a lender's case about a mortgage. Illinois has a separate statutory process for delinquent taxes, with its own notices and deadlines. Check the current tax notice and county tax records, and confirm any sale or redemption date with the office or court named in the papers. Do not use a mortgage-foreclosure date for a tax-sale matter.
Illinois real-estate transfer taxes
For a taxable transfer, Illinois charges 50 cents for each $500 of taxable value, or part of $500. A county can add 25 cents for each $500, and some cities impose their own transfer taxes. The state tax alone is $100 on $100,000 of taxable value; with a county tax at that rate, it is $150 before any city tax. Exemptions, taxable value, and the property's actual county and city can change the amount, so do not assume that an example is the total for a particular Quincy property.
When you sell to us, we pay the closing costs, including the Illinois state, county and city transfer taxes. This does not pay your mortgage, liens, back taxes, or share of current property taxes; those amounts are separate from the closing costs we pay.
Sources: Illinois Department of Revenue transfer-tax information · 35 ILCS 200/31-10 · Illinois transfer-declaration instructions
Compare possible net proceeds
Use the editable Quincy home-sale net proceeds calculator to compare an estimated sale with your mortgage payoff, lien or tax amount, repairs, and other 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
Here's what sellers have said about working with us.
“My husband retired from the Illinois State Library after thirty-one years. We'd talked about moving to Florida for years. The house in North Glenwood was fine — just bigger than we needed. USA Home Buyers gave us a fair offer. We closed in eight days and were in Sarasota before the weather turned cold.”
“I owned a rental on Maywood Drive for six years. Fine until the tenant stopped paying and started subletting to three other people I had never approved. Code enforcement showed up twice. USA Home Buyers bought it with the tenants still inside. I didn't have to do a single eviction filing. Nine days from first call to closing.”
“I'm a state employee — when my position got transferred to Chicago, I had about six weeks to sort out my house on the south side of Springfield before I needed to be up there. I didn't have time for showings, inspections, or waiting on a buyer's mortgage. USA Home Buyers gave me a written offer within 24 hours and we closed in ten days.”
Quincy property liens and back taxes questions
Can I sell my Quincy 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. Start with the property address and whatever tax notice, payoff statement, or lien record you have; you can call before you have everything.
Who checks the current tax or lien payoff?
The creditor or tax office confirms its current amount and payoff instructions. The title company checks ownership and recorded claims and works through the payoff details for the sale.
What records should I have ready when I call?
Start with the property address. If you have them, bring the parcel number, tax bill or notice, lien or mortgage statement, creditor letter, case number, or sale notice. You can call before every record is assembled.
Is an Illinois property-tax sale the same as mortgage foreclosure?
No. A tax-sale matter concerns delinquent property taxes; mortgage foreclosure is a lender’s case about a mortgage. The notices, offices, and dates are separate, so check the current tax notice and the office or court named in it.
What transfer taxes can apply to a Quincy sale?
For a taxable transfer, Illinois charges 50 cents for each $500 of taxable value, or part of $500. A county can add 25 cents for each $500, and some cities impose their own transfer taxes. The property’s actual jurisdictions, taxable value, exemptions, and transaction determine what applies.
What if the payoff is more than my Quincy 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 after I contact you?
We talk through the Quincy property and the records you have, review the house as-is, and put proposed sale terms in writing before you decide. If you choose to proceed, the title company and the creditor or tax office confirm the ownership, recorded claims, payoff instructions, and closing figures for the transaction.
More Quincy seller information
Talk through the property
Call 888-274-5006 or use the form above. Start with the Quincy address and whatever notice or payoff information you have.