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 confirms the current payoff amount and instructions. The title company checks ownership and recorded claims and uses the confirmed information in the closing figures. Mortgage balances, liens, back taxes, and your share of current property taxes are separate from the closing costs we pay.
Records that help—and who checks them
A property-tax notice, parcel number, mortgage or lien statement, creditor or case number, and any tax-sale or foreclosure notice can help. The property address is enough to start; call before you have everything gathered.
The creditor or tax office named on a notice confirms its current balance and payoff directions. The title company checks the property records for the sale and works with the responsible creditor or tax office on the confirmed information.
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
- Talk through the property. Tell us the Troy address, what is happening with the house, and which balance or notice concerns you. Start with what you know.
- Review the written terms. We give you a written offer and terms before you commit, and close through a title company. Read the proposed price, payoff treatment, and other terms before you decide.
- Check title and payoff information. If you choose to proceed, the title company reviews ownership and recorded claims. The creditor or tax office confirms the payoff information for the account it handles.
- Review the closing figures and close. The title company prepares the sale documents and settlement figures using the written terms and confirmed payoff information.
Pike County records, tax notices, and Alabama deed tax
A property-tax notice and a lender mortgage-foreclosure notice concern separate processes. For a property-tax account, use the Pike County Revenue Commissioner; for a mortgage notice, contact the lender or office named in it. Check the notice and current records for that property's status and dates. You can also read the separate Troy foreclosure information.
These Pike County offices are in Troy; a Troy mailing address alone does not establish whether a property is within the City of Troy.
Pike County Revenue Commissioner
Use the County's property and taxpayer search pages for a property-tax account or parcel inquiry. The main office is at the Pike County Courthouse, Room 41, 120 West Church Street, Troy, AL 36081. Call 334-566-1792 about the current account or a notice.
Revenue Commissioner contact information → · Property information → · Taxpayer Search & Pay →
Pike County Probate Office
The office site provides Probate Court and Recording navigation. Contact the office about county recording information and document questions. It is at 120 W. Church St., Troy, AL 36081; call 334-566-1246.
Probate Office contact information → · Recording information →
Alabama deed tax when a house sells
Alabama charges deed tax when the deed is recorded with the county probate judge: 50 cents for each $500 of taxable value, or any part of $500. A mortgage or vendor's lien may reduce taxable value if Alabama mortgage tax has been paid on it; the closing attorney confirms the amount. The deed must include proof of the actual price or value. Without proof, the probate office uses the latest tax assessment, and penalties can apply. The tax and recording fees must be paid before recording; some deeds are exempt.
When you sell to us, we pay the closing costs, including Alabama's deed tax. Your mortgage, liens, back taxes, and share of current property taxes are separate.
Alabama Code § 40-22-1 — deed tax → · Alabama Department of Revenue — recordation tax →
Compare possible net proceeds
Use the Troy home-sale net-proceeds calculator with your own estimates for the 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 Troy home-sale net-proceeds calculator →Questions and contact
Questions about Troy property liens and back taxes
Can I sell my Troy 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. We buy houses as-is in Troy and Pike County, Alabama. The creditor or tax office confirms current payoff information for the title company to review as the sale moves forward.
Who checks the current payoff amount?
The creditor or tax office named on the account confirms its current amount and payoff instructions. The title company checks ownership and recorded claims and uses the confirmed information for the closing figures.
What records should I have before I call?
Start with the property address. A property-tax notice, parcel number, mortgage or lien statement, creditor or case number, and any tax-sale or foreclosure notice can help, but you can call before you have everything.
Is a property-tax sale the same as mortgage foreclosure?
No. A property-tax notice and a lender mortgage-foreclosure notice concern separate processes. Ask the Pike County Revenue Commissioner about a property-tax account; for a mortgage notice, contact the lender or office named in it. The notice and current records determine the status and dates for that property. Read the separate Troy foreclosure information for the mortgage process.
What happens after I contact USA Home Buyers?
We talk through the property and the information you have, then put the offer and terms in writing before you decide. If you choose to proceed, the title company reviews the records and works with the creditor or tax office on payoff information and closing documents.
How does Alabama deed tax work when a house sells?
Alabama charges deed tax when the deed is recorded with the county probate judge: 50 cents for each $500 of taxable value, or any part of $500. A mortgage or vendor's lien may reduce taxable value if Alabama mortgage tax has been paid on it; the closing attorney confirms the amount. When you sell to us, we pay the closing costs, including Alabama's deed tax. Your mortgage, liens, back taxes and share of current property taxes are separate.
Talk with us about the property
Call 888-274-5006 or use the form to ask about a cash offer.