Back property taxes in Reno? Nevada 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 Reno, Nevada can spiral fast. Nevada 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.
Bankruptcy can pause a Nevada 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. Reno 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 Reno, but they operate independently. Nevada state income tax liens, federal IRS liens, and Washoe 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.
IRS tax liens — separate from property tax — also affect Reno home sales. Federal liens attach to all real estate owned by the debtor. When the property sells, the IRS gets paid from proceeds before the homeowner sees anything, but Form 14135 (Certificate of Discharge) can clear the lien from the specific property at closing. BuyHousesInCash title teams handle this routinely in Washoe County.
Tax-sale redemptions in Nevada are governed by statute NRS and vary in length from a few months to several years. Washoe 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.
Nevada 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 Reno 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 Nevada 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 Reno tax delinquency choose us.
Even after a tax certificate is sold to an investor, Nevada 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 Reno 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. Nevada 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 Reno 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 Nevada tax collector (delinquent taxes), then any remaining equity goes to you. We handle multi-creditor closings in Reno regularly — it adds about 3-5 days to closing time but isn't a deal-breaker.
Most Nevada 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 Reno 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.
Most Washoe 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 Nevada) 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.
Nevada 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 Reno 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.
Tax delinquency in Reno often correlates with other distress signals — job loss, medical bills, divorce — and Nevada doesn't have a hardship program that reliably saves the home once 24 months pass. Washoe County's deferral programs cover seniors and disabled veterans but rarely the working-age homeowner facing a temporary cash crunch.
Investor purchasers at Washoe County tax sales typically pay only the back taxes plus fees, leaving any residual property value as profit when the redemption period expires. Reno homeowners who let this happen lose their entire equity. Selling to BuyHousesInCash before the sale captures that equity for the seller, even if only at 60-75% of after-repair value.