St. Louis, Missouri · St. Louis City (independent city)
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 St. Louis City, Missouri, including homes with back taxes or liens. We work with the title company and the relevant lender, creditor, or tax office to check payoff figures and show them in the closing paperwork. You can call before you have every notice or balance in hand.
St. Louis City is an independent city, separate from St. Louis County. This page and its office links are for properties inside St. Louis City.
Call 888-274-5006 to talk through the property.
Prefer the form? Start here with the address and the information you have.
We'll give you a written cash offer within 24 hours.
Share the property address and what you know about the notice, payoff, creditor, or tax account.
Redfin August 2026 and Zillow August 2026 market data
Zillow source label: Zillow ZHVI · Saint Louis, MO (exact-place) · As of August 2026. Redfin scope: Redfin St. Louis, MO (exact-place), Three months ending August 2026.
A lien is a legal claim that can affect a property's title or the money due at closing. A payoff is the current amount and instructions a creditor or tax office provides to satisfy an obligation. The amount can change, so an older bill or statement is a starting record, not a current payoff quote.
When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing. The title company checks ownership, recorded claims, and closing requirements; each lender, creditor, or tax office confirms its current balance and payment or release instructions.
Closing costs, mortgage balances, liens, back taxes, and your share of current property taxes are separate settlement items. The current figures and instructions for your property are confirmed during the title and payoff work.
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
If you have them, bring the property address and parcel number, tax bill or delinquency notice, lien or court paper, creditor or case number, current mortgage or payoff statement, and any sale notice. Start with what you know; you can call before everything is assembled. The lender, creditor, or tax office confirms its current account and payoff instructions. The title company checks ownership and recorded claims for the sale.
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
Tell us the St. Louis City address, what you know about the house and the amount owed, and any notice or timing concern. You do not have to work out the payoff before calling.
We review the house as it stands and put the offer and terms in writing before you commit. Read the proposed price, responsibilities, payoff treatment, and closing terms before deciding whether they fit.
The title company checks ownership, recorded claims, and the closing requirements. The lender, creditor, or tax office supplies current payoff and release instructions for its account. The office or court named on any notice can confirm its current status.
The closing statement shows the sale price, agreed payoffs, taxes, fees, and the amount remaining after those items. The title company confirms the final figures and conducts the closing.
Written offer and written terms before you commit; title-company closing.
St. Louis City is a county-equivalent independent city; St. Louis County is a separate jurisdiction. Use the city office that matches the record or notice in front of you, and confirm current balances or sale status with that office.
Use the City Collector's real-estate-tax information for St. Louis City tax-account questions. If you have a delinquency or tax-sale notice, check its current status and instructions with the office identified on the notice.
This is the official local land-records office for St. Louis City parcels. Use it for recorded deed and land-record questions; a record search is not a current payoff quote, and the title company checks what applies to a specific sale.
A lender's mortgage-foreclosure or trustee-sale matter is separate from a delinquent-property-tax sale. One notice does not establish the status or timing of the other. Check a lender-sale notice with the lender, trustee, or court named on it; check a tax account or tax-sale notice with the City Collector and the office named on that notice. For mortgage-foreclosure information, see the St. Louis City foreclosure page.
The Missouri Constitution bars the state, counties, and other local governments from imposing new taxes on a real-estate sale or transfer after December 2, 2010. A sale also involves county recording fees set by state law: recorders charge $5 for the first page of a deed and $3 for each additional page, plus per-document fees that state law adds. The title company or closing professional confirms the exact recording charges.
When you sell to us, we pay the closing costs. That is separate from the seller's mortgage balance, liens, back taxes, or share of current property taxes; those amounts are addressed separately in the closing figures.
Read the Missouri Constitution, Article X, §25 on real-estate transfer taxes, RSMo §59.310 on per-page deed fees, RSMo §59.319, and RSMo §59.800 on additional recording fees.
Use the editable St. Louis City home-sale net proceeds calculator to compare possible sale proceeds 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.
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.”
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 or use the form with the property address and whatever tax notice, payoff statement, or lien record you have; you can start before every detail is gathered.
The title company checks ownership, recorded claims, and the closing requirements for the sale. The lender, creditor, or tax office confirms its current balance and payment or release instructions. An older bill or statement can help start the review, but it is not a current payoff quote.
Use the City Collector of Revenue for St. Louis City real-estate-tax account questions and the Recorder of Deeds and Vital Records Registrar for city land-record questions. For a sale notice, check the current notice and confirm its status with the office named there.
No. A lender mortgage-foreclosure matter and a delinquent-property-tax sale are separate. Check a foreclosure notice with the lender, trustee, or court named on it; check a tax account or tax-sale notice with the city tax office and the office identified on that notice.
The Missouri Constitution bars state and local governments from imposing new taxes on the sale or transfer of real estate after December 2, 2010. State law also sets deed-recording fees, plus additional per-document fees. The title company or closing professional confirms the charges for the documents being recorded.
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
Start with the St. Louis City property address and any parcel number, tax bill or notice, lien or court paper, creditor or case number, payoff statement, mortgage information, or sale notice you have. You do not need every document before you call.
We talk through the house and the information you have, review the property as-is, and put the offer and terms in writing before you decide. The title company and the relevant creditor or tax office then confirm the ownership, recorded claims, payoff instructions, and closing figures for the transaction.
We'll give you a written cash offer within 24 hours.
Share the property address and what you know about the notice, payoff, creditor, or tax account.
Redfin August 2026 and Zillow August 2026 market data
Zillow source label: Zillow ZHVI · Saint Louis, MO (exact-place) · As of August 2026. Redfin scope: Redfin St. Louis, MO (exact-place), Three months ending August 2026.