Waco, Texas · McLennan County · Property liens

Can I Sell My Waco House With Back Taxes or Liens?

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 in Waco and McLennan County, Texas. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.

You can call with the property address and whatever notice or payoff information you have; you do not need to clear the lien or collect every record first. Ask for a cash offer, or call 888-274-5006. Written offer and written terms before you commit; title-company closing.

Talk through your Waco lien or tax question

Share the property address and whatever you have about the tax notice, lien, lender, creditor, or payoff. Start with the address if that is all you have.

We'll give you a written cash offer within 24 hours.

We give written cash offers in 24 hours.

Tell us the address and what you know about the notice or payoff.

By submitting, you agree to our Privacy Policy and Terms of Service. You consent to receive calls and texts from USA Home Buyers. We never share your information.

Prefer to call? 888-274-5006.

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 balance and payoff instructions. The title company checks ownership and recorded claims and includes the confirmed payoff information in the closing figures for you to review. Our payment of closing costs is separate from your mortgage, liens, back taxes, and share of current property taxes.

Bring the records you have; call before you have everything

The address is enough to start. If you have them, keep a recent tax bill or notice, lender payoff statement, lien or court paper, deed, parcel number, and any account or case number nearby. The lender or office named on the notice confirms its current balance and instructions; the title company checks the property records for the sale.

If the payoff is more than the house is worth

Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.

What happens next

You can start with a call or the address form. You do not need to pay a lien or assemble every record before asking about a sale.

  1. 1. Talk about the house and the notice

    Tell us the Waco address and what you know about the lien, tax account, lender, or notice. Share the timing that concerns you; the creditor or tax office can confirm current figures during the title and payoff work.

  2. 2. Review the house and written terms

    We discuss the house as it stands and the records you have. You receive the offer and sale terms in writing before you commit, including the proposed price, responsibilities, payoff treatment, and closing terms.

  3. 3. Confirm title and payoff details

    The title company checks ownership and recorded claims for the transaction. The creditor or tax office supplies current payoff information and instructions for the closing figures.

  4. 4. Review the settlement figures and close

    Review the settlement figures, including the sale price, confirmed payoffs, taxes, and other applicable amounts. Written offer and written terms before you commit; title-company closing.

Waco and McLennan County lien, tax, and deed records

Census identifies Waco city as intersecting McLennan County. That is city-level geographic orientation, not a parcel-specific county or title determination; use the property address when choosing an office.

Property-tax account and value questions

The Texas Comptroller directory lists the McLennan Appraisal District separately from the Tax Assessor-Collector. An assessed-value record is not a current tax payoff or the amount you will keep from a sale. The directory’s Tax Assessor-Collector subsection is marked last updated January 1, 2013, so confirm current contact details and parcel status with the office using a recent bill or notice.

Texas Comptroller: McLennan County property-tax directory ↗

Recorded deeds and county recording

Texas deeds are signed before a notary and recorded with the county clerk. For a deed-recording question, start with the McLennan County Clerk; the title company checks ownership and recorded claims for the sale.

McLennan County Clerk ↗

Tax-sale notices and mortgage foreclosure are separate

If your paperwork concerns unpaid property taxes or a tax-sale notice, use the current tax record and contact the tax office named on it to ask about that account and status. Mortgage-foreclosure papers concern a separate lender process; do not use one notice to determine the status of the other. Read the Waco mortgage-foreclosure information for that separate process.

McLennan County property-tax office directory ↗

Texas real-estate transfer tax

Texas has no state, county, or city real-estate transfer tax on a sale that conveys full ownership. The deed still has to be notarized and recorded, and a recording fee is separate from a transfer tax. Ask the County Clerk or title company about the current recording charge for the document.

When you sell to us, we pay the closing costs. Your mortgage, liens, back taxes, and share of current property taxes are separate.

Texas Constitution, Article VIII, Section 29 ↗

Compare possible net proceeds

Use the Waco home-sale net proceeds calculator with your own estimates for the sale, mortgage or lien payoff, back taxes, repairs, and other costs. Just an estimate — the actual number could be more or less depending on the home's condition.

Open the Waco home-sale net proceeds calculator →

What sellers say about USA Home Buyers

Waco property liens and back taxes questions

Can I sell my Waco 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 Waco and McLennan County, Texas. Call with the address and whatever notice or payoff information you have; you can start before you have every record.

Who checks the payoff amount and property records?

The creditor or tax office named on the current record confirms the balance and payoff instructions. The title company checks ownership and recorded claims and brings the confirmed amounts into the closing figures for you to review.

What should I have ready when I call?

Start with the Waco property address. If you have them, keep the latest tax bill or notice, lender payoff statement, lien or court paper, deed, parcel number, and any account or case number nearby. You can call before you have all of those records.

Are a property-tax sale and a mortgage foreclosure the same process?

No. A property-tax account or tax-sale notice and a lender’s mortgage-foreclosure papers are separate matters. Use the current notice and the office or party named on it; the Waco mortgage-foreclosure page linked above covers that separate process.

Does Texas charge a real-estate transfer tax when I sell?

No. Texas has no state, county, or city real-estate transfer tax on a sale that conveys full ownership. A deed still has to be notarized and recorded with the county clerk, and recording charges are separate from a transfer tax. When you sell to us, we pay the closing costs. Your mortgage, liens, back taxes, and share of current property taxes are separate.

What if the payoff is more than my Waco house is worth?

Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. Bring the current statement or notice if you have it so the current figures can be checked.

What happens after I contact you?

We talk through the house and the information you have, review the property as-is, and give you a written offer and written terms before you commit. The title company checks ownership and recorded claims and works with the creditor or office on payoff details. You review the settlement figures, and closing takes place through a title company.

Talk through the property

Call 888-274-5006 or use the form above. Start with the Waco address and the notice or payoff information you have.

Call Now 888-274-5006