USA Home Buyers

Richmond, Kentucky · Madison County

Can I Sell My Richmond 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 for cash in Richmond and Madison County, Kentucky, including houses with liens or back taxes. Tell us what you know and ask for a cash offer. The title company and the creditor or tax office confirm current payoff details for the sale.

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

Call 888-274-5006 or use the form below to talk through the property.

Talk through your Richmond lien or tax question

Share the property address and whatever you know about the lien, tax notice, payoff, creditor, or court paper. 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 Richmond address and what you know about the notice, payoff, creditor, or tax account.

By submitting, you agree to our Privacy Policy and Terms of Service. You consent to receive calls and texts from USA Home Buyers. We never share your information.

Prefer to call? 888-274-5006.

How liens and payoffs work at closing

When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing.

Mortgage balances, liens, back taxes, and your share of current property taxes are separate settlement items, not part of our closing-cost payment. The title company uses current payoff instructions and tax figures to show the transaction amounts on the closing statement.

Which records help, and who checks the balances?

The Madison County Clerk keeps recorded property records. A lender or other creditor provides its current payoff amount and release instructions, and the responsible tax office confirms its current bill or balance. The title company checks ownership and recorded claims for the sale and uses the current figures to prepare settlement.

A recorded document can help identify a claim, but it may not show what is currently owed. Useful starting records include the property address, parcel number, tax bill or delinquency notice, mortgage payoff statement, lien notice, deed, and any court paper or case number. You do not need to collect everything before calling.

Start with what you have. You can call 888-274-5006 before you have every record or payoff amount.

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 house and records

    Tell us the Richmond address, what you know about the house, and what the notice or payoff says. Start with what you have; you do not need to solve the payoff before calling.

  2. 2. Review the written terms

    We review the house as it stands and put the offer and terms in writing before you decide.

  3. 3. Confirm title and payoff information

    The title company checks ownership and recorded claims. Your creditor and the responsible tax office provide current payoff or release information for the transaction.

  4. 4. Review the closing figures and close

    The closing statement shows the sale price, confirmed payoffs, taxes, and other charges. The title company coordinates the closing and applies the amounts shown there.

Madison County tax, court, and transfer-tax details

A property-tax notice and a mortgage foreclosure are different matters

A delinquent county property-tax bill or tax-sale notice concerns a tax account; mortgage foreclosure is a separate court case tied to a home loan. In Kentucky, a lender files a foreclosure case in Circuit Court, and a court-ordered sale is a public auction run by the Master Commissioner. Use the account or case number on your notice to check its current status with the office handling that matter. Madison County delinquent-tax information · Madison County court directory · Kentucky judicial-sale rules.

Kentucky real estate transfer tax

Kentucky charges 50 cents for each $500 of value, or fraction of $500. The law makes the grantor—the seller—responsible, and the county clerk collects the tax before the deed is recorded. The value is the full price paid, including any liens the buyer takes over. Some transfers are exempt, and recording fees are separate; ask the title company whether an exemption applies to your sale. Read Kentucky Revised Statute 142.050.

When you sell to us, we pay the closing costs, including the Kentucky real estate transfer tax.

Your mortgage, liens, back taxes, or share of current property taxes are separate from the closing costs we pay; those are separate settlement items.

Richmond and Madison County offices for tax and lien records

County, City, and court records go to different offices. Use the notice or account you have to identify the right one, and confirm current details directly with that office.

Madison County Clerk — delinquent taxes

Use this route for delinquent county property-tax questions and the current office contact. The Clerk identifies the Sheriff's Office for ordinary annual county property-tax bills and locates it at the Courthouse Annex, 135 W. Irvine St., Richmond.

City of Richmond property-tax portal

The City links its Property Taxes service to this portal. City tax questions are separate from Madison County tax bills; use the City portal for a City account and confirm that the property is within the relevant City jurisdiction.

Kentucky Court of Justice — Madison County

Use the county directory to find court contacts for a mortgage-foreclosure case. Match the court and case number on your notice, and confirm which counter handles your question before visiting.

Compare possible net proceeds

Use the Richmond home-sale net-proceeds calculator with your own estimated sale price, 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.

Open the Richmond home-sale net-proceeds calculator →

What our sellers say

BBB A ratingRead our Google reviews
“LISTEN, PROPERTY TAXES GOT TOO HIGH FOR MY FIXED INCOME. SOLD IT TO THEM. WALKED AWAY WITH CASH. GLAD IT'S OVER.”
Alex Pproperty taxes
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
Alice Wforeclosure
“no open houses. no realtors tracking dirt in. just a straight cash sale for our house so we could move. Glad it's over.”
Angela Rmoving

Richmond property liens and back-tax questions

Can I sell my Richmond 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 Richmond and Madison County, Kentucky. Current payoff amounts and release details are confirmed for the sale.

Who checks my current lien or tax payoff?

The creditor or tax office provides current payoff information and release instructions. The title company checks the sale records and uses those figures to prepare the closing statement. A public record or assessment is not the same as a current payoff.

What should I have ready before I call?

Start with the property address and whatever you have: a parcel number, tax bill or delinquency notice, mortgage payoff statement, lien notice, or court paper and case number. You can call before you have every record assembled.

Are delinquent property taxes and mortgage foreclosure the same process?

No. A county tax delinquency or tax-sale notice concerns a property-tax account. Mortgage foreclosure is a separate court case tied to a home loan. Use the office and case or account information on your notice to confirm its current status.

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

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

How does Kentucky real estate transfer tax work?

Kentucky charges 50 cents for each $500 of value or fraction of $500. State law makes the grantor—the seller—responsible, and the county clerk collects the tax before the deed can be recorded. Recording fees are separate, and some transfers are exempt; ask the title company whether an exemption applies to your sale. 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 happens after I contact you?

We talk through the house and the information you have. We put the offer and terms in writing before you decide. If you choose to proceed, the title company checks the sale records and coordinates confirmed payoff information for closing.

Talk through the property

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

Call Now 888-274-5006