Behind on Property Taxes? Sell Your Dayton House for Cash

Property taxes are easy to fall behind on. A job loss, a medical bill, an inherited house you did not budget for, or a mortgage that no longer escrows taxes can leave you with a growing balance and letters from the county treasurer. If you own a house in Dayton or anywhere in Montgomery, Greene, Warren, or Miami County and the taxes are past due, Your Ohio Home Buyer LLC can buy the house and the delinquent taxes can be paid off at closing.

What Happens When Ohio Property Taxes Go Unpaid

In Ohio, unpaid real estate taxes become delinquent and the county adds penalties and interest. The county treasurer can certify the delinquency, and in some counties tax liens may be sold to private buyers. If the balance stays unpaid, the county or a lienholder can file a tax foreclosure, which can end in a sheriff sale much like a mortgage foreclosure. Some vacant and abandoned properties can be sent through an expedited process through the county board of revision or a county land bank. The details vary by county, so contact your county treasurer to confirm your balance and status.

Your Options

• Ask the county treasurer about a delinquent tax payment plan
• Check whether you qualify for the homestead exemption or other credits
• Refinance or borrow against the house, if you qualify
• Sell the house and have the taxes paid from the proceeds

A payment plan can be the right answer if you want to keep the house and can afford it going forward. Selling makes more sense when the taxes are just one of several costs you cannot keep up with, or when the house is a property you do not live in and do not want.

How Selling With Back Taxes Works

1. Tell us the address and roughly how much is owed. You do not need exact numbers; the title company will pull them.
2. We make a written cash offer on the house as-is.
3. At closing, the title company pays the delinquent taxes, penalties, any mortgage, and other liens, and the remaining proceeds go to you.

Other Liens We Can Work With

Back taxes often come with other problems: water and sewer bills that became liens, contractor or mechanic’s liens, judgment liens, or city assessments for grass cutting or demolition. These are all common, and a title company can usually clear them at closing as long as the sale price covers them. If the liens add up to more than the house is worth, we will be straightforward with you about whether a sale is possible.

Vacant or Out-of-Town Properties

Many tax-delinquent houses are vacant: a parent’s house after they moved into care, a rental between tenants, or a property you bought and never got to. A vacant house with back taxes can also pick up code violations and city fees. Selling it removes the ongoing costs and the risk of losing it at a tax sale.

What to Gather

• A recent tax bill or the delinquent notice from the county treasurer
• Mortgage statements, if there is a loan
• Any notices about tax lien sales or tax foreclosure
• Water, sewer, or city assessment bills

Even a partial picture is enough to start. The title company will run a full title search and give exact payoff numbers before closing, so there are no surprises on the closing statement. If the sale price covers the taxes, liens, and mortgage, the rest is yours.

Acting early also limits how much penalty and interest accumulates, which leaves more money for you at closing.

Helpful Official Resources

Your county treasurer can confirm what you owe and whether you qualify for a payment plan. Here are the official treasurer pages for the counties we serve.

• Montgomery County Treasurer: delinquency payment plans
• Greene County Treasurer: delinquent taxes
• Warren County Treasurer
• Miami County Treasurer

Other Situations We Help With

• Inherited a House
• Facing Foreclosure
• House Needs Repairs
• Tired Landlord
• Divorce
• Code Violations
• Fire or Water Damage
• Hoarder House
• Relocating
• Cash Offer vs Realtor

Areas We Serve

We buy tax-delinquent houses throughout the Dayton area, including Trotwood, Riverside, West Carrollton, Moraine, Kettering, Huber Heights, Fairborn, Xenia, Piqua, and Franklin.

Frequently Asked Questions

How do I find out how much I owe?

Your county treasurer’s office or website can show the delinquent balance for your parcel. The title company will also confirm it before closing.

Can I still sell if the county has filed a tax foreclosure?

Often you can, as long as the sale closes before the property is sold at auction and the taxes are paid. Contact us quickly.

What if I also have a mortgage?

The mortgage and the taxes are both paid from the sale proceeds at closing.

Do I need to pay the taxes before you buy?

No. They are paid at closing out of the sale proceeds.

Is my information kept private?

Yes. We only share details with the title company and parties needed to close.

What if I inherited a house with back taxes?

That is common. The estate or heirs can sell, and the taxes are paid at closing. Our inherited house page explains how probate fits in.

Can you buy a house the county has already certified for a tax sale?

Often yes, as long as the sale closes and the taxes are paid before the property is sold at auction. Contact us right away so we can check the timeline with the title company.

Get Your No-Obligation Cash Offer

Stop the penalties from piling up. Call or text Your Ohio Home Buyer LLC at (937) 860-2509, or fill out our short form and we will get back to you. We are located at 1616 E 3rd St, Dayton, OH 45403.