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How Maryland's Tax Sale Process Actually Works
Every Maryland county and Baltimore City holds an annual tax sale — most between May and October — where the government sells a lien against any property with unpaid real-estate taxes. This is governed by the Tax-Property Article, Title 14, Subtitle 8 of the Maryland Annotated Code. Important: the bidder does not buy your house. They buy the tax lien. You remain the legal owner and can keep living in your home. The Office of the State Tax Sale Ombudsman is the State's official, free resource for homeowners in exactly this situation.
After the lien is sold, you enter a redemption period. As the Maryland People's Law Library explains, a certificate holder generally must wait at least six months (nine months for owner-occupied homes in Baltimore City) before filing in Circuit Court to foreclose your right of redemption. If they do not file within two years, the certificate becomes void. That window is your opportunity.
The Redemption Clock — and Why It Is Costing You Money Every Day
To redeem — to clear the lien and keep your home — you must pay the lien amount plus interest and certain fees. Under Tax-Property §14-820, that interest is steep: commonly 6% per year for owner-occupied homes in some counties, and as high as 18–20% on other property, calculated daily. Once you pass certain points in the timeline, the certificate holder's attorney fees and title-search costs get added on top. The redemption amount only grows.
This is why a clear-eyed comparison matters. On a Maryland home, you essentially have two numbers in front of you: what it would cost to redeem and keep the property, and what you would walk away with in cash if you sold. At ACE Homebuyers we will show you both, honestly.
Our offer is built on a transparent formula — the after-repair value, minus repair costs, minus our selling costs, minus our minimum profit — so the number is realistic from the start and does not change at the closing table.
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!
Protecting Your Equity — The Part Nobody Explains
For years, homeowners who lost a property to a final tax foreclosure could also lose any surplus — the equity above the tax debt. In 2023 the U.S. Supreme Court ruled in Tyler v. Hennepin County that keeping a homeowner's surplus equity after a tax foreclosure is an unconstitutional taking, and Maryland courts are now applying that reasoning. But the cleanest way to protect your equity is not to rely on a court process at all — it is to sell during the redemption period, while you still control the outcome. When you sell, the lien is paid at closing and the remaining equity is yours. For your specific situation, talk to the State Tax Sale Ombudsman and, if needed, an attorney.
What a Cash Sale With ACE Homebuyers Looks Like
- Step 1: Call us or fill out the form. Tell us the property address and that you are dealing with back taxes or a tax sale.
- Step 2: We confirm your exact redemption/payoff figures with the county and assess the property — one visit.
- Step 3: You receive a written cash offer, often within 24 hours, with both numbers laid out: redeem-and-keep vs. sell-and-walk-away.
- Step 4: You choose the closing date — we can close in as little as 7 days, before your redemption deadline.
- Step 5: At closing, the back taxes and lien are paid and released, and your remaining equity goes to you. No commissions, no closing costs.
Frequently Asked Questions
Read More About Your Specific Situation
Find Out Exactly How Much Time — and Equity — You Have
Fill out the form or call. Tell us the property address and where things stand with the taxes. We will confirm your redemption figures, show you both numbers, and let you decide — with no pressure and no obligation.
ACE Homebuyers purchases homes throughout Baltimore, Rockville, Glen Burnie, Annapolis, Columbia, Frederick, and communities across Maryland.
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!