The purpose of the annual Tax Lien Sale is to collect the delinquent real estate taxes owed to Montgomery County school districts, agencies, and local governments.A sale of a property owner’s tax lien can be stopped if the property owner pays off the delinquent amount owed to the county, or if they agree to a payment plan. If a property owner fails to pay or set up a payment plan and a tax lien is sold, additional fees and interest will be charged to the property. Please reach out to us BEFORE a tax lien is sold so that we can help you avoid these added expenses.
Please keep in mind these details about tax liens.
- The purchaser of the outstanding taxes due only holds a lien against the property. They have no legal rights of property ownership.
- All certified delinquent properties are eligible for tax lien sales.
- If a tax lien is not paid off one year after the date of the lien sale, the lien purchaser can start a foreclosure process, which could result in the loss of your property.
- Current taxes must be paid on-time and in-full to avoid a second, subsequent tax lien.
For any questions concerning tax liens, please contact us by email at Delinquency@mcohio.org or call 937-225-4010, option 2.
Frequently Asked Questions about Tax Liens
1. Why is Montgomery County selling tax liens?
Montgomery County property owners have a duty and obligation to pay Real Estate Taxes. Real Estate Taxes are an important funding source for local schools and governments. Property owners who do not pay their taxes pass this responsibility to those who do pay their taxes. The Tax Lien Sale provides immediate funding of past due tax dollars to the agencies that rely on propety tax funds.
2. What is a tax lien?
Liens consist of past due taxes plus fees, penalties, and interest that are sold to qualified financial lenders. Liens are sold in large bundles and CANNOT be bought individually. Property owners cannot buy liens associated with their properties.
3. How much do I owe?
To find out how much you owe, click here. Then enter the property address. If you recieve an error or do not see a balance, contact our office at 937-225-4396 option 2.
4. Can I pay the debt before a lien is sold on my property?
Before a lien on your past due taxes is sold, you have two options. You can pay your past due taxes OR you may be eligible to enter into a payment arrangment to pay your past due taxes.
5. What is a payment arrangment?
Payment arrangments combine past due taxes with future property taxes through the duration of the plan. Property owners will pay monthly ammounts towards the contract they establish with their payment plan specialist.
6. If a lien is sold on my property, am I going to lose my property?
After the sale there will be additional fees and interest charged against your property by the lien holder. If full payment is not made within twelve (12) months of the date your lien is sold, the lien holder can foreclose on your property which could lead to the loss of your property.
7. Who bought my tax lien?
Tax liens are sold in large bundles to qualified financial institutions. When a tax lien is sold, the property owner receives a notice with the lien purchaser name stated on it by certified mail. You may also contact the Montgomery County Treasurer's Office at 937-225-4010, Option 2, to obtain this information.
8. How do I make payments on my tax lien?
If a tax lien has been sold, you will need to make arrangements with the lien holder to make payments. You can contact our office to determine which lien company bought the debt.
9. What happens if I do not pay?
If the property owner does not pay the Montgomery County Treasurer's Office the remaining debt owed on the tax lien, then the lien purchaser has the option to begin foreclosure. Foreclosure CAN result in the loss of your property.
10. Do I need to make payments on both my tax lien and my future property taxes?
Yes. Property owners must pay BOTH the tax lien and current property taxes during regular payment periods (February and July). If current taxes are not paid during regular payment periods, a second lien CAN be sold on the additional unpaid real estate taxes. Additional fees and penalties will be charged for a second lien.