USA Home Buyers

Raleigh, North Carolina · Wake County and Durham County · Back taxes and liens

Can I Sell My Raleigh 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 Raleigh, North Carolina, and Wake and Durham counties, including houses with liens or back taxes. You can call before you have every payoff document. The creditor or county office confirms its amount and instructions, while the title company checks recorded claims for the sale.

We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.

Want a written cash offer for your Raleigh house? Call 888-274-5006 or use the form.

Talk through your Raleigh lien or tax question

Share the property address and whatever you know about the notice, creditor, tax account, or payoff. You can start before every record is assembled.

We'll give you a written cash offer within 24 hours.

We give written cash offers in 24 hours.

Tell us the Raleigh address and what you know about the lien, tax notice, or payoff.

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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 creditor or county office holding an account confirms the current amount and payoff or release instructions. The title company checks ownership and recorded claims, then uses the confirmed information in the closing work. Your mortgage balance, liens, back taxes, and share of current property taxes are separate from closing costs.

Records that can help—and who checks them

Start with the property address; you do not have to gather everything before calling. If you have them, keep the latest property-tax bill or notice, lien or mortgage statement, parcel information, creditor or court case number, and any tax or foreclosure notice nearby.

The lender, creditor, or county office named on a notice confirms its current balance and instructions. The county Register of Deeds is a place to check recorded land documents; a record search is not a current payoff quote. The title company checks which ownership records and claims apply to the specific sale.

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. 1. Talk through the Raleigh property

    Tell us the address, what you know about the house, and which lien, tax notice, or payoff is causing concern. Start with what you have; you do not need to solve the payoff before calling.

  2. 2. Review the house and written terms

    We review the house as-is and give you a written offer and written terms before you commit. Read the price, responsibilities, payoff treatment, and closing terms before deciding.

  3. 3. Check title and payoff details

    If you choose to proceed, the title company checks ownership and recorded claims for the transaction. The lender, creditor, or tax office confirms current payoff or release information, and the title company works through the documents and figures needed for closing.

  4. 4. Review the settlement and close

    Review the settlement figures, including the sale price, confirmed payoffs, tax allocations, and other costs, before closing through the title company.

Written offer and written terms before you commit; title-company closing.

Raleigh tax, lien, and county-office information

Raleigh city geography intersects Wake and Durham counties. County office routes are starting points; check the property address or parcel information to identify which county holds the tax account, court file, or recorded document.

Property-tax notices and mortgage foreclosure are different matters

Wake and Durham County Tax Administration handle real-estate tax appraisal and collection, including delinquent-tax questions. Contact the county tied to the property for the account balance and the status or dates shown on a tax notice. A county property-tax matter is separate from a lender's mortgage-foreclosure case. Many North Carolina home loans use a deed of trust, and a lender foreclosure proceeds through a hearing before the Clerk of Superior Court. Follow the current notice and ask the office or court named on it about that specific matter.

North Carolina Judicial Branch: mortgage foreclosures → · Raleigh foreclosure information

North Carolina excise tax on conveyances

North Carolina charges an excise tax when a deed transfers real estate. The rate is $1 for each $500 of the price or value, and any part of $500 counts as a full $500. State law assigns payment to the seller before the deed is recorded; some transfers are exempt. A title or closing professional can confirm how the tax applies to a particular transfer.

When you sell to us, we pay the closing costs, including North Carolina's excise tax on conveyances.

Your mortgage, liens, back taxes, and share of current property taxes are separate from that closing-cost promise.

North Carolina G.S. 105-228.30: tax rate and payment → · G.S. 105-228.29: exemptions →

Wake and Durham County offices

Use the office that matches the property and question. These county routes do not determine which county has a particular parcel record, estate file, tax balance, or recording obligation.

Compare possible net proceeds

Use your own estimates for the Raleigh house value, mortgage payoff, lien or tax amount, repairs, carrying costs, and closing costs to compare possible net proceeds. Just an estimate — the actual number could be more or less depending on the home's condition.

Open the Raleigh home-sale net proceeds calculator →

What sellers say about USA Home Buyers

5.0 out of 5 on Google

Raleigh property liens and back taxes questions

Can I sell my Raleigh house with back taxes or liens before paying them?

When you sell to us, we can set it up so you don't have to prepay anything — it comes out at closing. USA Home Buyers buys houses as-is in Raleigh and Wake and Durham counties. You can call or use the form before you have every balance or payoff document; the title company and the office or creditor with the account confirm the details for the sale.

Who checks a lien or property-tax payoff?

The creditor or county office holding the account confirms its current balance and payoff instructions. The title company checks ownership and recorded property claims and works with the relevant parties on the settlement figures.

Which county office should I contact about a Raleigh property?

Raleigh city geography intersects Wake and Durham counties. Check the property address or parcel record to identify the county for the account or record, then use the matching Wake or Durham office links on this page.

Is a property-tax matter the same as a mortgage foreclosure?

No. A county property-tax account or tax-foreclosure matter is separate from a lender’s mortgage-foreclosure case. Many North Carolina home loans use a deed of trust, with a lender foreclosure hearing before the Clerk of Superior Court. Follow the notice and contact for the specific matter; the North Carolina Judicial Branch explains the lender foreclosure process.

What if the payoff is more than my Raleigh house is worth?

Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.

What should I have ready when I call?

Start with the Raleigh property address and any tax bill or notice, lien or mortgage statement, parcel information, creditor or court case number, or sale notice you have. You can call before you have every record.

What happens after I contact USA Home Buyers?

We talk through the property and the records you have, review the house as-is, and give you written terms before you decide. If you choose to proceed, the title company checks ownership and recorded claims, while the lender, creditor, or tax office confirms the payoff information needed for the closing.

Questions or ready to talk?

Call 888-274-5006 or use the form above. Start with the Raleigh address and the lien or tax information you have.

Call Now 888-274-5006