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You Still Own Your Home During the Redemption Period
The first and most reassuring fact: a tax sale does not transfer your home to anyone. Under the Tax-Property Article, Title 14, Subtitle 8, the buyer at the tax sale receives a certificate of sale — essentially a tax-lien certificate — not your deed. As the State Tax Sale Ombudsman explains, you remain the owner and keep the right to live in and use your home throughout the redemption period.
How Long Is the Redemption Period?
Under Tax-Property §14-833, a certificate holder generally cannot file to foreclose your right of redemption until:
- At least 6 months after the tax sale for most properties in most Maryland counties.
- At least 9 months after the tax sale for owner-occupied residential property in Baltimore City.
- And there is an outer limit on the certificate holder: if they do not file to foreclose within 2 years of the sale, the certificate becomes void.
So you typically have at least six to nine months of protected time after the sale — and often longer in practice, because filing and the court process take additional time. But waiting is expensive, for the reason below.
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!
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Your Three Practical Options
- Redeem and keep the home — pay the full redemption amount. Best if you can afford it and want to stay.
- Get help — the State Tax Sale Ombudsman and county prevention programs may offer payment plans or assistance, especially for older or low-income owners.
- Sell during the redemption period — pay off the lien at closing and keep your remaining equity. A cash sale can close in as little as 7 days, well inside the window.
Frequently Asked Questions
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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Fill In This Form To Get Your No-Obligation All Cash Offer Started!