St. Paul, Minnesota · Ramsey County
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. Paul and Ramsey County, including homes with back taxes or liens. You can call before you have every payoff document. We give written cash offers in 24 hours. Written offer and written terms before you commit; title-company closing.
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Call 888-274-5006 to talk through the property.
Tell us the property address and what you know about the notice, payoff, creditor, or tax account.
We'll give you a written cash offer within 24 hours.
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 confirms its current balance and payoff or release instructions. The title company checks recorded claims and the settlement figures for this sale. Mortgage balances, liens, back taxes, and your share of current property taxes are separate from our closing-cost promise.
If you have them, bring the latest property-tax notice, lien or mortgage statement, creditor or court case number, parcel information, recorded document, and any tax-forfeiture or foreclosure notice. The property address is enough to start. You can call before you have every record.
The creditor or county office named on a notice confirms its current balance and instructions. Ramsey County's Recorder/Registrar of Titles handles access to recorded real-estate documents; the title company checks which records and releases apply to 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 address, the house's condition, and which lien, tax, or notice is causing concern. Start with what you know; you do not need to solve the payoff before calling.
We review the house as-is and put the offer and proposed terms in writing before you commit. Read the price, responsibilities, payoff treatment, and closing terms before deciding.
If you choose to proceed, the title company reviews ownership and recorded claims. The creditor or county office supplies current payoff or release information, and the title company works through the documents and figures needed for settlement.
The title company prepares the settlement figures, including the sale price, payoffs, taxes, and other transaction costs. You close through the title company under the written terms you accepted.
A recorded lien, a current tax balance, and a lender's mortgage payoff are different items. Use the office or creditor that holds each record, and follow the current notice for the property.
Use this county service for property-tax payments and property-tax service questions. Bring the property address, parcel information, and current notice when you ask about the account. The office is at the Plato Building, 90 Plato Boulevard West, Saint Paul, MN 55107; call 651-266-2222.
Ramsey County property-tax services and payment information →
This office handles real-estate document recording and access, retrieval, and copies of recorded documents, as well as the county's recording-fee and tax information route. It is at 90 West Plato Boulevard, Saint Paul, MN 55107; call 651-266-2050.
Use the Assessor's Office for assessment, property-value, and related parcel-record questions. An assessment record is not the current tax payoff or a creditor's lien balance. Call 651-266-2131.
If your document names a court case or hearing, follow the case number and contact instructions on that document. The Second Judicial District Court for Ramsey County is at Saint Paul City Hall–Ramsey County Courthouse, 15 West Kellogg Boulevard, Saint Paul, MN 55102.
Ramsey County Courts & Public Defender →·Courthouse location →
A Minnesota property-tax forfeiture matter and a lender's mortgage foreclosure are different processes. For a property-tax notice, ask Ramsey County Property Tax Services or the office named on the notice about the account, status, and dates. A lender mortgage foreclosure has its own notice and Sheriff's sale process; use the separate St. Paul mortgage-foreclosure information and keep following the current notice.
For an ordinary taxable transfer with net consideration over $3,000, Minnesota deed tax is 0.33% of that amount. Ramsey County adds a 0.01% Environmental Response Fund tax, for a combined rate of 0.34%. Exemptions and transfers with little or no consideration can change the tax; the closing professional confirms the property's county and taxable amount.
When you sell to us, we pay the closing costs, including Minnesota deed tax and applicable Hennepin or Ramsey County Environmental Response Fund tax.
Mortgage balances, liens, back taxes, and your share of current property taxes are separate from that closing-cost promise.
Minnesota Department of Revenue deed-tax rate information →·Ramsey County Environmental Response Fund statute →
Use the St. Paul home-sale net proceeds calculator to compare your estimated sale price, mortgage payoff, lien or tax amount, and other costs. Just an estimate — the actual number could be more or less depending on the home's condition.
Yes. When you sell to us, we can set it up so you don't have to prepay anything — it comes out at closing. We buy houses with back taxes and liens; the creditor or county office confirms current payoff information, and the title company works through the settlement details.
The creditor or county office holding the account confirms its current balance and payoff instructions. The title company checks recorded claims and works with the relevant parties on the documents and figures needed for closing.
Start with the St. Paul property address and any current property-tax notice, lien or mortgage statement, creditor or case number, parcel information, recorded document, or tax or foreclosure notice. You can call before you have everything.
No. Minnesota property-tax forfeiture and a lender mortgage foreclosure are separate processes with different notices and contacts. Follow the current notice and use Ramsey County Property Tax Services for county property-tax questions; use the separate St. Paul foreclosure information for a lender foreclosure notice.
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
When you sell to us, we pay the closing costs, including Minnesota deed tax and applicable Hennepin or Ramsey County Environmental Response Fund tax. Your mortgage, liens, back taxes, and share of current property taxes are separate from that promise.
We talk through the St. Paul property and the records you have, review the house as-is, and provide written offer terms before you commit. If you choose to proceed, the title company checks title and settlement details with the creditor or county office before closing.
Use the form on this page or call 888-274-5006. USA Home Buyers buys houses as-is in St. Paul and Ramsey County and gives written cash offers in 24 hours.
Call 888-274-5006 or use the form above. Start with the St. Paul address and any lien or tax notice you have.
More St. Paul seller resources →·St. Paul seller reviews →