Back property taxes in Boca Raton? Florida can sell your home for unpaid taxes after 24 months of delinquency. We buy houses with tax liens — pay the taxes at closing, give you the difference in cash, save your credit.
Falling behind on property taxes in Boca Raton, Florida can spiral fast. Florida counties begin tax sale proceedings after a fixed period of property tax delinquency. BuyHousesInCash buys homes with tax liens, tax delinquency, and even properties scheduled for tax sale. We pay the back taxes from sale proceeds at closing, so you never write a check. You walk away free of the tax burden with cash in hand.
Most Palm Beach County tax sales use a certificate-auction process where investors bid on the right to collect the delinquency plus interest. The homeowner retains a redemption window (often 1-3 years in Florida) during which they can pay off the certificate plus accumulated interest and reclaim clean title. BuyHousesInCash regularly closes during this redemption window, paying the certificate as part of the closing.
BuyHousesInCash handles tax-delinquent Boca Raton properties without requiring the seller to bring money to closing. The math just needs sale proceeds to exceed the tax debt, mortgage payoff, and our offer. When equity is too thin to cover all three, we work with lenders on short sale and with the county on tax-arrear negotiations.
Tax-deed states (some Florida jurisdictions) versus tax-lien states differ in what's auctioned: in tax-lien states, investors buy the lien and accrue interest; in tax-deed states, ownership transfers. Palm Beach County procedure determines redemption rights. BuyHousesInCash resolves both lien and deed situations.
Tax foreclosure in Florida (judicial in some counties, administrative in others) moves on a fixed schedule once initiated — Palm Beach County's process from filing to sheriff's deed runs roughly 6-9 months. Selling at any point before final transfer pays off the lien and gives the homeowner the remaining equity. After the deed transfers, that equity belongs to the new owner.
Florida tax sales in Palm Beach County run on an annual or biannual cycle. Boca Raton properties enter the eligibility pool after the statutory delinquency period. BuyHousesInCash buys before the sale to preserve owner equity beyond what the tax-deed holder would.
No obligation. We close at a Palm Beach County title company.
Call (555) 555-CASHFlorida can typically begin tax sale proceedings after 24 months of delinquency. The county or municipality issues a tax certificate to investors, and after a redemption period, the property can be sold at auction. BuyHousesInCash can typically close before tax sale in Boca Raton as long as you contact us before the auction date is finalized.
No. BuyHousesInCash pays all delinquent property taxes, penalties, and interest from the sale proceeds at closing. The title company in Florida disburses funds to the county tax collector, clears the lien, and the remaining cash goes to you. You write zero checks. This is one of the biggest reasons homeowners with Boca Raton tax delinquency choose us.
Even after a tax certificate is sold to an investor, Florida provides a redemption period during which you can pay off the certificate plus interest and reclaim your property. BuyHousesInCash can buy your home and redeem the certificate at closing during this window. Don't wait until the redemption period expires — call us as soon as possible.
Yes. Federal IRS tax liens against you personally do attach to Boca Raton real estate. The IRS has procedures (Form 14135) to discharge a property from the lien at closing in exchange for paying the lien amount or a portion. BuyHousesInCash works with title companies experienced in IRS lien discharges. Florida state tax liens follow similar processes.
The math has to work — sale proceeds need to cover the back taxes plus our offer price. If you have $50,000 in back taxes on a $200,000 Boca Raton home, we have plenty of room. If back taxes are $180,000 on a $200,000 home, the offer becomes minimal. We'll run the numbers transparently and tell you what you'd net before any commitment.
Common scenario. Both get paid off at closing from sale proceeds. The title company disburses to the lender (mortgage payoff) and the Florida tax collector (delinquent taxes), then any remaining equity goes to you. We handle multi-creditor closings in Boca Raton regularly — it adds about 3-5 days to closing time but isn't a deal-breaker.
Most Florida counties will postpone or cancel a scheduled tax sale once they receive proof of a pending sale to a buyer who will pay off the delinquent taxes. BuyHousesInCash' title company submits the contract and proof of funds directly to the Boca Raton tax office to halt the sale. We've stopped tax auctions with as little as 5 days notice.
Selling to BuyHousesInCash doesn't directly impact credit. The negative items — late mortgage payments, judgments, the tax lien itself — already affect your credit. Selling clears those liens, which over time helps your credit recover. Compare to a tax sale: losing the home plus continued lien on credit report. The voluntary sale is almost always the better credit outcome.
Florida requires 24 months of property tax delinquency before tax-sale eligibility in most jurisdictions. Palm Beach County specifics may vary. Check with the tax collector to confirm your exact timeline.
Sometimes. We resolve them at closing. BuyHousesInCash title in Palm Beach County identifies lien buyers and pays them their statutory return, freeing the property to transfer.
Tax-sale redemptions in Florida are governed by statute Fla. Stat. and vary in length from a few months to several years. Palm Beach County's specific redemption period is published on the assessor's website. BuyHousesInCash closes during any redemption window, paying the redemption amount as part of the closing settlement statement.
Bankruptcy can pause a Florida tax sale via the automatic stay, but only briefly. Property taxes are typically priority unsecured debt in Chapter 13 and survive Chapter 7 discharge entirely. Boca Raton homeowners hoping bankruptcy will solve tax arrears usually discover it postpones rather than eliminates the problem.
Income tax debt occasionally gets confused with property tax debt in Boca Raton, but they operate independently. Florida state income tax liens, federal IRS liens, and Palm Beach County property tax liens are three separate exposures that can all attach to the same property. A title search before closing reveals every one of them; BuyHousesInCash clears them all at the settlement table.
Florida property tax bills compound their consequences. The original tax becomes delinquent, then penalty interest, then collection fees, then attorney costs once the county initiates legal proceedings. A Boca Raton homeowner who fell $4,000 behind two years ago typically owes $7,000-$9,000 by the time the tax sale is calendared. Cash sale proceeds pay it all at closing.