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Your Equity Is Not Erased by the Tax Sale Itself
A tax sale sells a lien for the amount of unpaid taxes — usually a small fraction of what your home is worth. It does not wipe out the difference between your home's value and that debt. That difference is your equity, and during the redemption period it still belongs to you. The danger is not the sale itself; it is letting the process run all the way to a final foreclosure judgment without acting.
What the Law Now Says About Surplus Equity
In 2023, the U.S. Supreme Court decided Tyler v. Hennepin County, holding that when the government takes a home for unpaid taxes and keeps the surplus above the debt, that is an unconstitutional taking under the Fifth Amendment. Maryland courts have begun applying this reasoning. The direction of the law is toward protecting a homeowner's surplus equity — but relying on a court to recover it after the fact is slow, uncertain, and stressful. The surest way to protect your equity is to never let it reach that point.
The Safest Way to Protect Your Equity: Sell During Redemption
When you sell during the redemption period, you stay in control. The sale pays off the lien and any accrued interest and fees at closing, and the remaining proceeds — your equity — go directly to you. There is no waiting on a court, no gamble on a surplus claim, no final judgment on your record. You decide the timing, and you walk away with your money.
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
Get Your Free Cash Offer Now!
Fill out this form to get your no-obligation all cash offer started!
Fill In This Form To Get Your No-Obligation All Cash Offer Started!
How ACE Homebuyers Protects Your Equity
We confirm your exact payoff with the county, then make a transparent cash offer based on the after-repair value minus repair costs, our selling costs, and our minimum profit. You see two clear numbers — what it costs to redeem and keep the home, and what you would walk away with by selling — and you choose. We can close in as little as 7 days, well inside the redemption window, with the lien paid and released at closing. For independent guidance, the State Tax Sale Ombudsman is a free state resource, and an attorney can advise on your specific situation.
Frequently Asked Questions
What to Do Right Now
- Open the letters and find your sale date. The redemption clock starts at the tax sale, so you need that date.
- Contact the State Tax Sale Ombudsman to confirm your redemption amount and any help you may qualify for.
- Get a written cash offer so you can compare redeem-and-keep against sell-and-walk-away with real numbers — not guesses.
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.
Get Your Free Offer TODAY!
Fill In This Form To Get Your No-Obligation All Cash Offer Started!