How lien and back-tax payoffs work
A lender, creditor, or tax office confirms the current payoff amount and instructions. The title company checks recorded claims and works with those offices on the closing figures.
When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing.
Records that help — and when to call
Start with the property address. A recent tax bill or notice, mortgage statement, payoff letter, creditor or lien notice, and court paper can help us understand what is owed. You can call before you have everything.
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
1. Talk through the house and notice
Tell us the address and what you know about the property, tax account, lien, or notice. You can start with the information you have.
2. Review the written terms
You get a written offer and written terms before you commit, and we close through a title company.
3. Work through title and payoffs
If you choose to sell, we work with the title company, lender, creditor, or tax office on ownership, recorded claims, current balances, and payoff instructions.
4. Review the closing figures and close
Close as fast as 7 days when title and closing details allow.
Henrico County tax and land-record offices
Henrico County Treasury handles real-estate tax bills, payments, and due dates. The Circuit Court Clerk records deeds and other land documents. The Real Estate Assessment Division handles property assessments and the County Land Book.
Henrico County Treasury Division →
Use the County’s Treasury information for real-estate tax bills and due dates.
Henrico County Circuit Court Clerk — Land Records Recording →
Find deed recording information and services for county land records.
Henrico County Real Estate Assessment Division →
Contact the County about property assessments and the Land Book.
Tax sales and mortgage foreclosure are separate
In Virginia, land with qualifying delinquent real-estate taxes can be sold through a separate tax-sale process. Mortgage foreclosure concerns the home loan and is usually a trustee’s sale under a deed of trust. The notices and dates differ. Call us any time; if you have a tax-sale or trustee-sale notice, we can go through it with you.
Virginia Code § 58.1-3965 — sale for delinquent taxesTuckahoe mortgage-foreclosure guidance
Virginia grantor and recordation taxes
Virginia charges grantor tax when a deed is recorded. State law assigns that tax to the seller, but the sales contract can shift who pays. State recordation tax and local recordation tax, where adopted, are separate. Exemptions and transfers with little or no consideration can change the amounts; the settlement agent confirms the figures.
No fees. No agent commissions when you sell to us.
When you sell to us, we pay the closing costs, including Virginia state and local recordation taxes, grantor tax and any applicable regional WMATA capital fee, regional congestion relief fee or regional transportation improvement fee.
Virginia Code § 58.1-802 — grantor taxVirginia Code § 58.1-801 — state recordation taxVirginia Code § 58.1-814 — local recordation tax
Compare possible net proceeds
Use the Tuckahoe home-sale net-proceeds calculator to compare a possible sale with your mortgage payoff, liens, back taxes, and other selling costs.
Open the Tuckahoe home-sale net-proceeds calculator →
Questions and contact
Tuckahoe property-liens and back-tax questions
Can I sell my Tuckahoe house with back taxes or liens before paying them?
Yes. We buy houses with back taxes and liens. When you sell to us, we can set it up so you don't have to prepay anything — it comes out at closing.
Who confirms the current lien or tax payoff?
The lender, creditor, or tax office confirms its current balance and payoff instructions. The title company checks recorded claims and works with those offices on the closing figures.
What records should I bring when I call?
Start with the property address. A recent tax bill or notice, mortgage statement, payoff letter, lien notice, or court paper can help. You can call before you have everything.
Is a property-tax sale the same as mortgage foreclosure?
No. A Virginia tax sale concerns qualifying delinquent real-estate taxes and follows a separate process. A mortgage foreclosure concerns the home loan and is usually a trustee’s sale under a deed of trust. Each notice has its own dates.
What if the payoff is more than my house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
Who pays Virginia deed taxes when I sell to you?
Virginia law assigns the grantor tax to the seller, though the sales contract can shift who pays. State and local recordation taxes are separate. When you sell to us, we pay the closing costs, including Virginia state and local recordation taxes, grantor tax and any applicable regional WMATA capital fee, regional congestion relief fee or regional transportation improvement fee.
Call 888-274-5006 or use the form above. Start with the Tuckahoe address and whatever notice or payoff information you have.