McNairy County Trustee’s Office
Contact the Trustee about a county property-tax account or balance. The county lists the office at 170 West Court Avenue, Selmer, TN 38375, at 731-645-5476.
Selmer, Tennessee · McNairy County
Can I Sell My Selmer 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 Selmer and McNairy County, Tennessee, including houses with back taxes or liens. 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 notice or payoff figure.
We answer 24/7 at 888-274-5006. Call to talk through the property or ask for a written cash offer.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the property address and whatever you know about the notice, payoff, or tax account.
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 handling the account confirms the current amount and payment or release instructions. A title company checks ownership and recorded claims for the specific sale and coordinates the confirmed payoff details for closing. An assessment record is not a current payoff statement.
Records that help—and when to call
Start with the Selmer property address. If you have them, keep the latest property-tax bill or notice, lender payoff statement, lien or court paper, deed, creditor name, parcel number, and case number nearby. The creditor or office named on a notice confirms its current balance; the title company checks ownership and recorded claims. You can call before you have all the records.
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. Review the written terms before you decide; the title company and the office or creditor named on the notice handle the property-specific closing details.
1. Talk through the property
Tell us the address, condition, and what you know about the tax account, lien, payoff, or timing. You can start with what you have.
2. Review the written offer and terms
We review the house as it stands and give you the offer and proposed sale terms in writing before you commit. Written offer and written terms before you commit; title-company closing.
3. Check title and payoff details
If you choose to proceed, the title company checks ownership and recorded claims. Each lender, creditor, or tax office confirms the current payoff and instructions for the account it handles.
4. Review the closing figures and close
Review the confirmed payoffs, tax allocations, and other settlement figures with the title company before the title-company closing.
McNairy County offices and Tennessee sale facts
Selmer is McNairy County’s seat. The property address and notice determine which jurisdiction and office apply; a Selmer place name alone does not establish that an address is inside Town limits. County office addresses and numbers are directory information, so confirm directly before visiting.
McNairy County Property Assessor
Use the Assessor for county assessment and property-map questions. An assessed value is separate from a property-tax balance or a lien payoff. The office is at 170 West Court Avenue, Selmer, TN 38375, at 731-645-5146.
McNairy County Register of Deeds
Ask about recorded deeds, deeds of trust, liens, releases, and document searches. A recorded document is not the same as a current payoff quote. The office is at 170 West Court Avenue, Selmer, TN 38375, at 731-645-3656.
Court paper or tax-sale notice
Use the court or office named on the current paper to check its status and dates. McNairy County lists the Chancery Court Clerk & Master at 170 West Court Avenue, Room 205, Selmer, TN 38375, 731-645-5446, and the Circuit Court Clerk at 300 Industrial Drive, Selmer, TN 38375, 731-645-1015. These are local contact routes, not a finding about venue or a specific case.
Property-tax matters and mortgage foreclosure are separate
A property-tax account or tax-sale notice is different from a lender’s mortgage-foreclosure notice. For a county tax account, start with the Trustee; for a court or sale notice, follow the court and contact shown on that notice. A lender’s foreclosure notice follows its own named trustee or court. Do not assume one notice’s date or status applies to the other process.
Tennessee realty transfer tax
Tennessee charges realty transfer tax when the deed is recorded: 37 cents for each $100 of the price paid or the property’s value, whichever is greater. State law makes the buyer responsible, and the county Register of Deeds collects it for the state. When you sell to us, we pay the closing costs, including Tennessee's realty transfer tax. Your mortgage, liens, back taxes, and share of current property taxes are separate.
Compare possible net proceeds
Use your own estimates for the Selmer house, mortgage payoff, liens or taxes, repairs, and other costs to compare possible net proceeds. Just an estimate — the actual number could be more or less depending on the home's condition.
Current typical home-value context: $162,980 (As of September 2026; Zillow typical home value for Selmer, TN). This is market context, not a value for your specific property or its payoff.
What our sellers say
“LISTEN, PROPERTY TAXES GOT TOO HIGH FOR MY FIXED INCOME. SOLD IT TO THEM. WALKED AWAY WITH CASH. GLAD IT'S OVER.”
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
“no open houses. no realtors tracking dirt in. just a straight cash sale for our house so we could move. Glad it's over.”
Questions and contact
Selmer property-liens and back-tax questions
Can I sell my Selmer 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. USA Home Buyers buys houses as-is in Selmer and McNairy County, Tennessee. The creditor or tax office confirms its current payoff information for the specific sale.
Who checks the current payoff, and what records should I bring?
The lender, creditor, or tax office named on the notice confirms its current balance and payment instructions. The title company checks ownership and recorded claims for the sale. Start with the property address and bring any tax bill, payoff statement, lien or court notice, deed, parcel number, or case number you have; you can call before you have everything.
Are property-tax matters and mortgage foreclosure the same process?
No. A property-tax account or tax-sale notice is separate from a lender’s mortgage-foreclosure notice. Use the office and dates on the current notice for that matter; one notice does not establish the status or deadline for the other.
What does Tennessee charge for realty transfer tax?
Tennessee charges 37 cents for each $100 of the price paid or the property’s value, whichever is greater, when the deed is recorded. State law makes the buyer responsible, and the county Register of Deeds collects it for the state. When you sell to us, we pay the closing costs, including Tennessee’s realty transfer tax. Your mortgage, liens, back taxes, and share of current property taxes are separate.
What if the payoff is more than my Selmer 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 USA Home Buyers?
We talk through the property and the records you have, review the house as it stands, and provide 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 its payoff information for closing.
Call 888-274-5006 or use the form above to talk through the address and the records you have. You can start before you have every balance or paper.