Warwick Tax Collector ↗
Ask about a Warwick property-tax balance, city charges, or a Municipal Lien Certificate.
Warwick, RI · Kent County › Property liens
Can I Sell My Warwick 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. We buy houses in Warwick with back taxes, a mortgage lien, or another claim. Tell us what notice you received; you can call before you have every document.
Call 888-274-5006 to talk through the property.
We give written cash offers in 24 hours.
Share the property address and any tax, lender, or lien notice you have.
How payoffs work at closing
A mortgage, back taxes, or another lien is a separate payoff from closing costs. The lender, creditor, or tax office confirms the amount; the payoff can affect what remains for you from the sale.
When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing.
No agent commissions when you sell to us. No fees.
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Records and the next step
A recent tax bill, lender statement, lien notice, or court paper can help us identify the payoff. The lender, creditor, or Warwick Tax Collector confirms current balances and instructions. The title company checks ownership and recorded claims and works with those offices on the closing figures. Call with the address and what you have; you do not need every record first.
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
We discuss the Warwick property and the tax, lender, or lien 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
The title company checks the ownership and recorded claims, then works with the lender, creditor, or city on payoff instructions and closing figures.
4. Review the closing details
The title company handles the closing. Close as fast as 7 days when title and closing details allow.
Warwick tax, lien, and court records
The Warwick Tax Collector handles city property-tax accounts and Municipal Lien Certificates. Warwick Deeds (Land Evidence) records and indexes land documents, including mortgages and liens. Rhode Island's Judiciary Public Portal has court-case information.
Warwick Deeds (Land Evidence) ↗
Find information about recording or locating Warwick land documents.
Rhode Island Judiciary Public Portal ↗
Look up Rhode Island court-case information, including civil cases.
Warwick tax sales and mortgage foreclosure
Unpaid property taxes
Rhode Island law provides a municipal tax-sale process for unpaid property taxes. Warwick tax-sale notices and dates are separate from a mortgage foreclosure. If you receive a city notice, the Tax Collector can discuss the account and the dates on that notice.
Mortgage foreclosure
Mortgage foreclosure concerns the home loan, not Warwick property taxes. Rhode Island lenders may use a power of sale in the mortgage or bring a court foreclosure case. The mortgage notice and any court papers describe the process involved.
R.I. Gen. Laws § 34-11-22: power of sale → · Chapter 34-27: court foreclosure →
Rhode Island real estate conveyance tax
Rhode Island charges a real estate conveyance tax when the deed is recorded. Since October 1, 2025, the rate is $3.75 for each $500 of the price, or any part of $500. The price includes a mortgage or lien that stays on the property. For 2026, homes selling above $824,000 also pay that rate on the part above the threshold; the threshold is adjusted for inflation each year. State law assigns the tax to the seller unless the parties agree otherwise.
When you sell to us, we pay the closing costs, including Rhode Island's real estate conveyance tax.
R.I. Gen. Laws § 44-25-1: conveyance tax → · § 44-25-2: exemptions → · Rhode Island Division of Taxation: rate notice → · 2026 threshold notice →
Compare possible sale proceeds
Use the Warwick home-sale net proceeds calculator to compare what you might keep after costs. Just an estimate — the actual number could be more or less depending on the home's condition.
What our sellers say
“LISTEN, PROPERTY TAXES GOT TOO HIGH FOR MY FIXED INCOME. SOLD IT TO THEM. WALKED AWAY WITH CASH. GLAD IT'S OVER.”
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
“no open houses. no realtors tracking dirt in. just a straight cash sale for our house so we could move. Glad it's over.”
Questions about Warwick property liens and back taxes
Can I sell my Warwick house if I have back taxes or a lien?
Yes. We buy Warwick houses with back taxes and liens. Call with the property address and any notice you have; you can call before you have every document.
Who confirms the payoff amount?
Your lender, creditor, or Warwick Tax Collector confirms its current balance and payoff instructions. The title company checks ownership and recorded claims and works with them on the closing figures.
Is a Warwick property-tax sale the same as mortgage foreclosure?
No. A Warwick property-tax sale concerns unpaid city property taxes and follows a municipal process. Mortgage foreclosure concerns the home loan and follows a separate process under Rhode Island law.
Can I call before I have all the payoff records?
Yes. Start with the address and whatever tax bill, lender statement, lien notice, or court notice you have. We can talk before you have every balance or record.
What if the payoff is more than my Warwick 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 Rhode Island's real estate conveyance tax?
Rhode Island law places the tax on the seller unless the parties agree otherwise. When you sell to us, we pay the closing costs, including Rhode Island's real estate conveyance tax.
Talk through the property
Call 888-274-5006 or use the form above. Start with the Warwick address and the notice or payoff information you have.