Sell house with back taxes

Sell Your House With Back Taxes — We Pay the County at Closing.

Tax notices stacking up. Late fees compounding. Maybe the county already mailed a foreclosure date. You’re not stuck. Sure Path is a family-owned cash buyer that purchases properties with back taxes across Texas, Florida, California, Oregon, and Wisconsin — and we pay the county directly at closing.

5/5 from real families · Family-owned · Multi-state
Sound familiar?

When back taxes pile up, the pressure builds fast.

These are the three things almost every homeowner we talk to is feeling. If any of these sound like you, you’re not stuck.

The clock is ticking and you don’t know how much time is left

Late fees, interest, and penalty stacking make the balance grow every month. Eventually the county can move to foreclose — and the timeline varies wildly by state.

You can’t afford a lawyer to fix the title

A quiet-title action through an attorney can cost $3,500–$10,000+ and take 6–12 months. That’s out of reach when you’re already behind on taxes.

Every traditional buyer walks away when they hear “back taxes”

Realtors won’t list it. Most cash investors won’t touch it. The title issue scares them off — even though the property itself might be worth far more than the debt.

Our process

How we handle back-tax property purchases.

Three steps. No surprises. You’ll know exactly where we are at every stage.

  1. 1

    Tell us about the property

    Quick call or form. We ask what you owe, where the property is, and what’s going on. No documents needed yet. Free, no obligation, no pressure.

    ~15 minutes
  2. 2

    We verify directly with the county

    We pull the official tax records, confirm the exact balance and any pending foreclosure dates, and check title for other liens. You don’t lift a finger.

    2–5 business days
  3. 3

    We close, pay the county, you walk away

    You get a written offer with the exact net to you (after we pay the back taxes). Sign the docs at closing — we wire the county directly.

    14–30 days
Real situation

A central-Texas property with four years of back taxes.

Composite case based on real Sure Path purchases. Names and county redacted for privacy.

An heir reached out about a property her late father had owned. The taxes hadn’t been paid in four years and the county had already mailed the foreclosure notice. She’d called two local realtors — both said they couldn’t list it until the tax balance was cleared. She didn’t have $12,400 sitting in the bank to clear it.

We pulled the tax records the same week, confirmed the foreclosure date was still 90+ days out, and made a written offer. The numbers worked because the property still had real equity after the back-tax payoff. She signed at closing 21 days later. We wired the county directly. She walked with a check for $48,000.

Her exact words after closing: “I thought we were going to lose it. You made it actually go away.”

What makes us different

Most cash buyers can’t handle back taxes plus title problems. We can.

Sure Path is a curative-title firm with a cash-purchase arm — not the other way around. That means we don’t flinch when a back-tax property also has heir tangles, old liens, or a chain-of-title gap. We resolve all of it at closing.

Sure Path
Curative-title firm + family-owned cash buyer.
  • Buys back-tax properties even when there are multiple stacked liens (IRS, judgment, mortgage, mechanic’s)
  • Handles heir disputes and probate-pending properties without requiring you to finish probate first
  • Resolves chain-of-title gaps, missing deeds, and clouded-title issues alongside the back-tax payoff
  • Written commitment: the back-tax payoff line shows on the settlement statement before you sign
  • Plain-English process, no high-pressure tactics, no surprise reductions at closing
Typical cash-buyer or iBuyer
Wholesalers, hedge-fund flippers, big-name iBuyers.
  • Will pass on the deal as soon as a second lien shows up in title
  • Requires probate to be closed before they’ll write an offer
  • Won’t touch chain-of-title gaps — will tell you to hire a quiet-title attorney first
  • Common to drop the offer 10–20% at the closing table after title surprises
  • Pressure-driven, algorithm-priced, often outsourced to a call center
Compare your options

Sure Path vs. doing nothing vs. hiring an attorney.

Same back-tax situation, three different paths. Here’s what each one actually costs — in dollars and in months.

Doing nothing
Hope it sorts itself out.
Full property
What you stand to lose
  • County eventually forecloses and takes the property at tax sale
  • Late fees, interest, and penalty stack monthly
  • Any equity gets absorbed by the tax sale buyer, not you
  • Credit and future loan eligibility damaged
Recommended
Sure Path
We buy the property, pay the county, you walk away.
$0
Out-of-pocket cost
  • We pay back taxes at closing — nothing upfront from you
  • Closes in 14–30 days — usually beats foreclosure
  • Family-owned, plain-English, no high-pressure tactics
  • You keep whatever equity remains after the tax payoff
Quiet-title attorney
Clean up the title yourself, then sell on the open market.
$3.5k–$10k+
Up-front legal fees
  • ~ Title can be cleaned, but you pay upfront
  • ~ Takes 6–12 months — foreclosure clock keeps ticking
  • Then you still have to find a buyer and pay realtor fees
  • ~ Best if the property has very high equity to justify the cost
Sure Path made the impossible feel simple. We were weeks from losing the house to the county. They handled everything, paid the taxes, and we got a check at closing.
M. R., heir
Texas back-tax sale
Where we work

We buy back-tax properties in these states — and we’re growing.

Texas Florida California Oregon Wisconsin + Expanding

Outside our current footprint? Reach out anyway — we’ll tell you honestly whether we can help.

Back-tax questions

Frequently asked questions about selling with back taxes.

Specific answers for the back-tax situation. See our full FAQ for everything else.

Can you sell a house with back taxes owed?

Yes — with the right buyer. Selling a house with back taxes is legal in every U.S. state. The complication is that the title can’t transfer clean until the tax debt is satisfied, which is why traditional buyers and realtors usually walk away. Sure Path specializes in this exact situation: we buy properties with back taxes and pay the county directly at closing, so the title clears as part of the transaction.

Who pays delinquent property taxes at closing?

We do. The back-tax payoff is a line item on the settlement statement — we wire the county directly out of the sale proceeds. You receive the net after that’s settled. Nothing comes out of your pocket beforehand, and the exact payoff number is in writing before you sign anything.

How long do you have to pay back taxes before you lose your house?

It depends entirely on the state. Florida moves to a tax-deed sale after 2 years of delinquency. Texas allows the county to start judicial foreclosure after about a year. California and Oregon use a 5-year clock before public auction. Wisconsin runs ~3 years on county-administered tax-foreclosure timelines. Step one when you call us is verifying your actual foreclosure date with the county so we know exactly what we’re working against.

Can I sell my house if I owe the IRS (federal tax lien)?

Yes — IRS liens are common on properties we buy. The IRS has two relevant forms: Form 14134 (subordination — lets the sale go through with the lien attaching to proceeds) and Form 14135 (discharge of property from lien). The IRS typically responds in 30–45 days. We file the paperwork as part of closing prep so it doesn’t bottleneck the deal.

How much do cash buyers pay for houses with back taxes?

Honest answer: the back-tax balance comes out of the offer math, plus any repair work the property needs, plus our acquisition margin. A property worth $250K with $15K in back taxes and $20K in deferred maintenance typically nets the seller something in the $145K–$175K range, depending on the local market and how many additional liens are involved. We give you the full breakdown in writing — no algorithm games, no closing-table reductions.

What happens to back taxes when you sell a house?

At closing, the title company (or in our case, the curative-title team we work with) issues payoff to the county out of the sale proceeds. The county releases its lien once payment clears, and the title transfers clean to the buyer. Your name comes off the tax roll. The whole settlement is documented on the HUD-1 (or Closing Disclosure / CD) you receive at signing.

Will a title search reveal my back taxes?

Yes — every title search pulls the current tax-roll status. There’s no hiding back taxes from a buyer. That’s actually good news for you: when we pull title and confirm the balance, the number you see is the number we’ll pay off. No mid-closing surprises.

What if my property has back taxes AND other liens?

This is exactly what we’re built for. We handle multi-lien properties regularly — back taxes plus IRS liens, mechanic’s liens, judgments, old mortgages, or chain-of-title gaps. We pull full title, identify every claim, and settle them at closing. There are limits (the property has to have enough value to cover everything plus a fair offer to you), but we’ll tell you clearly during step 2 whether the math works.

What if there’s no equity left after the back taxes are paid?

We’ll tell you honestly. Sometimes the back-tax balance plus other liens exceeds what the property is worth, and an offer doesn’t make sense for either side. When that happens we point you toward other options — sometimes that’s a deed-in-lieu, sometimes it’s walking away strategically before the county does it for you. We won’t pretend a deal works when it doesn’t.

Do I need to do anything before I contact you?

No. You don’t need to gather documents, pull title, or get a payoff letter. We do all of that for you. The only things we need on the first call: the property address, a rough idea of how much is owed, and what you want the outcome to look like. Everything else is on us.

Get a free evaluation

Behind on taxes? Let’s see what your property is worth.

Tell us about the property and we’ll come back with a real number within one business day. No pressure, no obligation, no charge for the evaluation.

100% free property evaluation No fees — we pay the back taxes at closing Response within one business day, every time