San Antonio, Texas · Property liens and back taxes

Can I Sell My San Antonio 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 San Antonio and Bexar County, including houses with liens or back taxes. We look at the house and the records you have; the creditor or county tax office confirms its current payoff information, and the title company checks the closing details.

We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. You can call before you have every payoff document. San Antonio’s city boundary also touches Comal and Medina Counties, so the property address matters when choosing a county office.

Call 888-274-5006 to talk through the property and ask for a cash offer.

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

We give written cash offers in 24 hours.

Share the 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 tax office holding the account confirms the current amount and payoff or release instructions. The title company checks recorded claims and the settlement figures for this sale. Our closing-cost promise does not pay your mortgage, liens, back taxes, or share of current property taxes; those are separate items in the settlement.

Records that help—and who checks them

If you have them, bring the latest property-tax notice, lien or mortgage statement, creditor or court case number, parcel information, deed, and any tax-sale or foreclosure notice. Start with the property address if that is all you have; you can call before you assemble every record.

The creditor or county tax office named on a notice confirms its current balance and instructions. The title company checks recorded property claims and works with the relevant offices or creditors on the documents and figures needed for closing.

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 property

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

  2. 2. Review the house and written terms

    We review the house as-is and put the offer and proposed sale terms in writing before you commit. Read the price, responsibilities, payoff treatment, and closing terms before deciding whether they fit your situation.

  3. 3. Confirm title and payoff details

    The title company checks ownership and recorded claims for the transaction. The creditor or county tax office provides current payoff or release information, and the title company works through the figures and documents needed for settlement.

  4. 4. Review the settlement and close

    The title company prepares the settlement figures for review, including the sale price, payoffs, taxes, and recording costs. If you choose to proceed under the written terms, closing takes place through the title company.

San Antonio county records, tax offices, and Texas transfer tax

The incorporated City of San Antonio boundary touches Bexar, Comal, and Medina Counties. That boundary fact does not tell you which county holds a particular property’s records, tax account, or case. Check the address and the county on the notice or account before contacting an office. U.S. Census TIGERweb San Antonio place boundary.

Comal County Clerk ↗

For a Comal County property, the County Clerk lists recording and Official Public Records, including land records and liens. The office is at 150 N. Seguin, Suite 1037, New Braunfels, TX 78130; phone 830-221-1230.

Medina County Clerk ↗

For a Medina County property, the County Clerk lists Official Public Records and deed records. The office is at the Medina County Annex, 1300 Avenue M, Room 163, Hondo, TX 78861; phone 830-741-6040.

Property-tax cases and mortgage foreclosure are separate

A tax foreclosure concerns unpaid property taxes; a mortgage foreclosure concerns a lender’s loan. They follow separate case and notice paths. Do not use a mortgage foreclosure notice period to estimate a tax-sale deadline; check the current notice and case with the office named on it. For a mortgage foreclosure, see the San Antonio mortgage-foreclosure information.

Texas does not charge a real-estate transfer tax

Texas has no state, county, or city real-estate transfer tax on a sale that conveys full ownership of real property. A deed is signed before a notary and recorded with the county clerk; recording fees are based on the recording, not the sale price. When you sell to us, we pay the closing costs. Your mortgage, liens, back taxes, and share of current property taxes are separate.

Texas Constitution, Article VIII, Section 29 · Texas Legislative Council analysis.

Compare possible net proceeds

Use the San Antonio home-sale net proceeds calculator to compare your estimated value, 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 San Antonio home-sale net proceeds calculator →

What sellers say about USA Home Buyers

San Antonio property liens and back taxes questions

Can I sell my San Antonio 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. Call with the property address and whatever tax notice, lien statement, or payoff information you have; you do not need to assemble every record first.

Who checks the current lien or property-tax balance?

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

Which county office should I contact about a San Antonio property?

The incorporated City of San Antonio boundary touches Bexar, Comal, and Medina Counties. The city name does not identify the county or account for a particular parcel. Check the address and the county shown on the notice or tax account, then use that county’s clerk or tax office listed above.

Are a property-tax foreclosure and mortgage foreclosure the same process?

No. A property-tax case concerns unpaid property taxes; a mortgage foreclosure concerns the lender’s loan. They have separate notices and case paths, so do not use a mortgage notice period to estimate a tax-sale deadline. Check each current notice and case with the office named on it.

What if the payoff is more than my San Antonio 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 before I call?

Start with the property address and any tax notice, lien or mortgage statement, creditor or case number, parcel information, deed, or sale notice you already have. Call even if the paperwork is incomplete.

What happens after I contact USA Home Buyers?

We talk through the property and the records you have, review the house as-is, and put the offer and proposed terms in writing before you decide. If you choose to proceed, the title company checks title and settlement details with the creditor or tax office before closing.

More San Antonio seller resources

Talk through the property

Call 888-274-5006 or use the form above. Start with the San Antonio address and whatever notice or payoff information you have.

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