How liens and payoffs work
When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing.
A mortgage balance, a lien, back taxes, and your share of current property taxes are separate items. The creditor or county office confirms its current payoff amount and instructions; the title company checks recorded claims and works those figures into the sale closing.
Records that help — and what to do next
Start with the property address. A recent tax bill or notice, lien or court paper, mortgage payoff statement, or sale notice can help us see what you are dealing with, but you can call before you have everything. We can talk through the house and the records you already have.
The County Tax Collector can check its property-tax account, while the Chancery Clerk Record Vault lists recorded deeds, mortgages, and liens. The title company reviews the property records and gets the current payoff details from the creditor or county office involved.
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
- We talk through the Starkville property, the house as it stands, and the notice or payoff information you have.
- We give you a written cash offer and written terms before you commit; you can review them before deciding whether to proceed.
- If you choose to sell, a title company checks ownership and recorded claims and works with the creditor or county office on current payoff instructions.
- The title company prepares the closing figures and handles the title-company closing. Your liens are paid from the sale at closing.
Oktibbeha County tax, land-record, and deed information
A County land-tax matter and a lender mortgage foreclosure are different processes. For a property-tax account or land-tax notice, use the County Tax Collector and the County's land-tax information. A mortgage-foreclosure notice is handled separately with the trustee or lender named on it.
Oktibbeha County Tax Assessor and Tax Collector
The Assessor handles assessment questions; the Tax Collector handles property-tax collection and account questions. Both offices are at 101 E Main Street, Suite 103, Starkville, MS 39759. Call the Assessor at 662-323-8131 or the Tax Collector at 662-323-1273.
Oktibbeha County Chancery Clerk and Record Vault
The Chancery Clerk is the county contact for land records. The County Record Vault lists deeds, mortgages, liens, and other land-record categories. The Clerk's office is at 101 E Main Street, Oktibbeha County Courthouse, Starkville, MS 39759; call 662-323-5834.
Mortgage foreclosure is separate from a county land-tax sale
Most Mississippi deed-of-trust foreclosures proceed nonjudicially under Miss. Code Ann. §89-1-55. The trustee must post notice at the courthouse and publish it for three consecutive weeks; after a completed sale under this section, there is no right of redemption. Check the deed of trust, notice, and sale date promptly with the trustee or lender. A tax-sale notice follows a separate county land-tax process.
Read the Starkville mortgage-foreclosure information and the Mississippi foreclosure statute.
Mississippi deed recording fees
Mississippi has no state real-estate transfer tax. Deeds are subject to recording fees under Miss. Code Ann. §25-7-9, and the county Chancery Clerk applies the statutory fee schedule and any other recording charge. When you sell to us, we pay the closing costs. Mortgage balances, liens, back taxes, and your share of current property taxes are separate.
Compare possible net proceeds
Use the Starkville home-sale net proceeds calculator with your own estimates for value, mortgage payoff, liens or taxes, repairs, cleanout, carrying costs, and closing costs. Just an estimate — the actual number could be more or less depending on the home's condition.
Starkville property liens and back taxes questions
Can I sell my Starkville 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 Starkville and Oktibbeha County, Mississippi, including houses with back taxes or liens. You can call with the address before you have every record.
Who checks the current tax or lien payoff?
The creditor or county office named on the account confirms its current balance and payoff instructions. The title company reviews ownership and recorded claims for the sale. The Oktibbeha County Chancery Clerk Record Vault lists deeds, mortgages, liens, and other county records.
What records help when I call about a lien or back taxes?
Start with the property address. If you have them, a recent tax bill or notice, lien or court paper, mortgage payoff statement, or sale notice can help us understand the situation. You can call before you have every document.
Is an Oktibbeha County land-tax sale the same as mortgage foreclosure?
No. A county land-tax matter and a lender mortgage foreclosure are separate processes with different notices and status checks. Use the current tax notice and County Land Taxes information for a property-tax matter; check a mortgage-foreclosure notice promptly with the trustee or lender named on it.
What if the payoff is more than my Starkville house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
Does Mississippi charge a real-estate transfer tax?
Mississippi has no state real-estate transfer tax. Deeds are subject to recording fees, and the county Chancery Clerk applies the statutory fee schedule and any other recording charge. When you sell to us, we pay the closing costs. Mortgage balances, liens, back taxes, and your share of current property taxes are separate.
What happens after I contact USA Home Buyers?
We talk through the Starkville property and the information you have, then give you a written cash offer and written terms before you commit. If you choose to proceed, a title company reviews title and recorded claims, works through payoff information with the creditor or county office, and handles the closing.
Talk through the property or ask for an offer
Share the Starkville address and whatever you know about the tax or lien notice. Call 888-274-5006 or use the form above.