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The Core Difference: The Redemption Window
The biggest difference is how long a certificate holder must wait before filing to foreclose your right of redemption. Under Tax-Property §14-833, owner-occupied residential property in Baltimore City carries a longer protection — generally nine months — while most properties in the counties carry a six-month window. The State Tax Sale Ombudsman confirms these timelines and can tell you exactly where your property stands.
Side-by-Side Comparison
Factor
- Tax sale timing
- What is sold
- Redemption window (owner-occupied)
- Redemption interest
- Certificate expires if not foreclosed
- Official help
Baltimore City
- Annually, typically May
- A lien certificate — not your deed
- ~9 months before foreclosure can be filed
- Set by statute; check current city rate
- 2 years from sale
- State Tax Sale Ombudsman + city prevention services
Maryland Counties
- Annually, typically May–October (varies by county)
- A lien certificate — not your deed
- ~6 months before foreclosure can be filed
- 6% owner-occupied to 18–20% other (varies by county)
- 2 years from sale
- State Tax Sale Ombudsman + county finance office
Two cautions. First, the exact sale date and interest rate change year to year and are set locally — always confirm your specific numbers with your county finance office or the Ombudsman. Second, the redemption window is a minimum protection, not a target. The interest and fees grow the entire time, so the earliest action is always the cheapest.
What Our Customers Are Saying
See why many people recommend us to be your local Maryland homebuyers.
Brett is an exceptional man with intelligence, honesty, foresight, vision and best f all LOYALTY! I have been a Realtor since 1998 and have never been fond of the investment buying process until Brett! I love working with him as his Realtor. I am so honored that he chose myself to do this job and I am so excited for the years to come!
Michele Michael
I am so happy to have found Tyler and Brett at ACE. In a world where everyone is out for themselves, these men are both a breath of fresh air. They are upfront and honest and made our transaction so seamless and easy. Very easy to work with and I will 100% recommend them to others and do business with them again, given the opportunity.
Olga Michaelidis
Calling Ace Homebuyers was the best decision I made when looking to help sell my parent’s house. Tyler and Brett are not only very professional, but they made the process super easy. They took care of everything. After my Dad passed away, we need to move my mom closer to my siblings. This required us to sell the house that my parents spent 41 years in.
Jeffrey Mogus
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Frequently Asked Questions
What This Means for Selling
Whether your home is a Baltimore City rowhome or a county rancher, the same option exists: you can sell during the redemption window, pay off the lien at closing, and keep your remaining equity. Because a cash sale from ACE Homebuyers can close in as little as 7 days, it fits comfortably inside either the six-month or nine-month window — with time to spare.
Have a Date? Let's Build a Closing Around It.
Fill out the form or call. Tell us the address and your report or start date. We will give you a real cash number and a closing date that beats your deadline — no pressure, no obligation.
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