How long for tax delinquents to turn into liens?

Tax Liens & Mortgage Notes
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How long for tax delinquents to turn into liens?

Sean Dezoysa
Investor · Toledo, OH · Member since 2012 · 292 posts · 35 votes
Property Radar only filters properties based on delinquent status. Anyone know how long it takes for those to turn into liens?
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Robin SimonBusiness Member
Lender · Austin, TX · Member since 2022 · 5k+ posts · 4k+ votes
4y
Quote from @Sean Dezoysa:
Property Radar only filters properties based on delinquent status. Anyone know how long it takes for those to turn into liens?
Each state and sometimes even county/municipality has very different rules and laws governing this, its a very tangled web of understanding the nuance of how it works.  On top of that, the interest accrual schedule can vary tremendously.  If you are going to get into tax lien investing, likely best to hyperfocus on individual jurisdictions and really know the rules and processes that are followed
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  • John UnderwoodPro Member
    Investor · Greer, SC · Member since 2014 · 13k+ posts · 17k+ votes
    4y

    That depends.

    Sometimes Tax Collectors hold back properties for years before they come up for auction. Could be they are aware of probate, litigation, bankruptcy etc.

    In SC it generally only takes someone being delinquent 1 year before it shows up on next year's auction.

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  • Bruce Lynn
    Real Estate Broker · Coppell, TX · Member since 2011 · 5k+ posts · 4k+ votes
    4y

    I've seen as short as a year, as long as 20+ years.

    I'd say average is about 3...but you just never know.

    Covid seemed to back things up some too in some cases...so the 3 years might have turned into 5...the past few months...and will probably unwind the rest of this year...and maybe early into next.

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  • Ted Thomas
    Specialist · Member since 2019 · 25 posts · 12 votes
    4y

    If you are talking about tax lien certificates, taxes are a lien on the property immediately, however, they are not due until a very specific date. So a property tax lien is always on the property.

    Respectfully,

    Ted Thomas 

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  • Robin SimonBusiness Member
    Lender · Austin, TX · Member since 2022 · 5k+ posts · 4k+ votes
    4y
    Quote from @Sean Dezoysa:
    Property Radar only filters properties based on delinquent status. Anyone know how long it takes for those to turn into liens?
    Each state and sometimes even county/municipality has very different rules and laws governing this, its a very tangled web of understanding the nuance of how it works.  On top of that, the interest accrual schedule can vary tremendously.  If you are going to get into tax lien investing, likely best to hyperfocus on individual jurisdictions and really know the rules and processes that are followed
    [email protected]
    Harpoon Capital515 Reviews
    WebsiteView Page
    3Reply
  • Ned CareyPro Member
    Moderator
    Investor · Baltimore, MD · Member since 2008 · 17k+ posts · 13k+ votes
    4y

    @Sean Dezoysa As mentioned above the lien is automatic. However I suspect what you want to know is when it would go to tax sale. That will vary by state and sometime local jurisdiction. Typically it is 1-3 years unless something else like a bankruptcy keeps it out of tax sale.  

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