Sell a House with Tax Liens in Maryland — Before the Tax Sale
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Maryland counties sell tax lien certificates at annual auctions when property taxes or water and sewer bills go unpaid. These certificates accrue 6–24% interest, and after the redemption period expires — typically six months to two years — the certificate holder can foreclose. Selling to us before the tax sale preserves your equity. We settle all liens from the closing proceeds so you walk away debt-free.
Selling a Tax Liens Property: Your Options Compared
| Method | Timeline | Costs | Condition Required | Typical Outcome |
|---|---|---|---|---|
| Cash Buyer (Us) | 7–14 days, before tax sale date | $0 — liens paid from proceeds at closing | As-is, no improvements needed | Equity preserved; liens fully satisfied |
| Traditional Agent | 90–180+ days (may miss tax sale deadline) | 5–6% commission + lien payoff + interest | Must disclose liens; limits buyer pool | Risk of sale not closing before auction |
| DIY / FSBO | Unpredictable | Liens + accruing interest + legal fees | Must clear title or find buyer who accepts | High risk of losing property to foreclosure |
How It Works — Selling a Tax Liens Property to Maryland Property Buyers
Contact Us with Your Property Details
Call or fill out the form. We research your county's tax records to identify every outstanding lien, including property taxes, water and sewer charges, and any municipal assessments on the property.
We Calculate a Fair Offer
Using current market value, the total lien balance, accrued interest, and any redemption costs, we determine the maximum cash offer that still leaves you with equity after all liens are satisfied at closing.
Review and Accept the Offer
Our written offer details exactly how much goes to lien payoff and how much you keep. The title company confirms all figures with the county tax office so there are no surprises at settlement.
Close Before the Tax Sale
We close on an expedited timeline to beat your county's tax sale date. At settlement, the title company pays off all liens directly, the certificate holders are redeemed, and you receive your net proceeds via wire transfer.
Why Homeowners Facing Tax Liens Choose Cash Buyers
Maryland's tax sale process is county-administered, and each of the state's 23 counties plus Baltimore City runs its own auction schedule. Anne Arundel County typically holds its sale in June, Baltimore City in May, Montgomery County in June, and Prince George's County in May or June. If your property taxes, water bills, or sewer charges are delinquent, your home will appear on the tax sale list — and once a lien certificate is sold to an investor, the clock starts ticking on your right of redemption.
Tax lien certificates in Maryland accrue interest at rates between 6% and 24% per year, depending on the bidding at auction. After the redemption period expires — six months for owner-occupied properties in Baltimore City, up to two years in some counties — the certificate holder can file a foreclosure complaint in Circuit Court. At that point, you lose the property entirely, along with whatever equity you had built.
- Preserve your equity: Even if you owe $10,000 in back taxes, your home may be worth $150,000 or more. Selling before the tax sale lets you pay off the lien and pocket the difference. Losing the property to tax sale foreclosure means losing all of that equity.
- Stop interest from compounding: A $5,000 tax lien at 18% interest grows by $900 per year. Every month you wait costs you money. We close fast enough to minimize the interest that accrues before settlement.
- Water and sewer liens included: Many homeowners do not realize that unpaid water and sewer bills in Maryland become liens on the property and are sold at the same tax sale. We pay off all utility liens at closing — not just property taxes.
- No redemption headaches: Redeeming a tax lien certificate after the sale requires paying the full lien amount plus all accrued interest, legal fees, and the certificate holder's costs. Selling to us before the sale avoids this entire process.
- County-specific expertise: We know the tax sale schedules, redemption periods, and filing deadlines for every Maryland jurisdiction. Whether your property is in Baltimore City, PG County, Howard County, or the Eastern Shore, we can move fast enough to beat the auction date.
Time is the one thing you cannot get back in a tax lien situation. Every week brings you closer to the auction date and further from a resolution that preserves your equity. Contact Maryland Property Buyers today for a no-obligation cash offer and a clear path to settling your tax debt before the county takes action.
Get Your Cash Offer Today
No obligation. No fees. No repairs. We respond within 24–48 hours with a fair cash offer.
- You will NOT owe us anything if you decide not to sell
- Your information is secure and never shared with third parties
- We buy as-is — no repairs, no cleaning, no staging
Request Your Cash Offer
Tell us about your tax liens situation
Common Questions About Tax Liens
Can I sell my house if there is a tax lien on it?
Yes. Maryland homeowners can sell a property with tax liens at any time before the foreclosure is finalized. The liens are paid off from the sale proceeds at closing through the title company. You receive whatever equity remains after the liens and closing costs are satisfied.
How long do I have before Maryland forecloses on a tax lien?
After a tax lien certificate is sold at auction, you have a redemption period that varies by county — typically six months to two years. Once that period expires, the certificate holder can file for foreclosure in Circuit Court. Acting before the redemption period ends is critical.
What happens if I miss the tax sale redemption deadline?
If the redemption period expires, the lien certificate holder can petition the court to foreclose. You lose the property and all equity. Even at this stage, we may be able to help by negotiating with the certificate holder before the court finalizes the foreclosure.
Will you pay off my water and sewer liens too?
Yes. In Maryland, delinquent water and sewer bills become liens on the property and are sold at the annual tax sale alongside property tax liens. We pay off all outstanding water, sewer, and municipal liens from the closing proceeds at settlement.
How fast can you close if my tax sale is coming up?
We can close in as few as seven days when a tax sale deadline is imminent. Our process does not depend on bank financing or appraisals. We work with title companies experienced in expedited closings to ensure everything is settled before your county's auction date.
We Buy Tax Liens Property Across Maryland
Ready to Sell Your Tax Liens Property?
Call us now or fill out the form above. No obligation, no pressure, no fees.