Originally posted by @Rhett P.:
Tax Lien Certificate is past the redemption period ... How to Foreclose?
I'm not sure of a few things. Does the tenant still live there? Are there any other liens on the home such as a mortgage or IRS liens? How do I find that info out? And how do I start the foreclosure process? How long does that take?
Hey Rhett,
First, in order to see if there is still someone living in the property, you might want to ask someone that lives in the area to scope it out for you. If you don't know anyone, you may be worth a shot to ask a local agent to take a look. ( I assume you would want to sell this home if you are living in CA, so you can offer to list it with them in return).
You would be able to see if there are any other liens or mortgages through a title report. it usually doesn't cost too much, and you can ask a local title company to do all the work for you. The other way to check is to check out the Alabama county court records and dig through the paperwork (if you live around there obviously)
Deed Assigned at Foreclosure to: After the expiration of three years from the date of the sale of any real estate for taxes, the judge of probate then in office must execute and deliver to the purchaser ... a deed to each lot or parcel of real estate sold to the purchaser and remaining unredeemed ... and such deed shall convey to and vest in the grantee all the right, title, interest and estate of the person whose duty it was to pay the taxes on such real estate and the lien and claim of the state and county thereto, but it shall not convey the right, title or interest of any reversioner or remainderman therein. (Sec. 40-10-29, Sec. 40-10-30).
Notes: The deed conveyed upon expiration of the redemption period is not sufficient. You'll need to consult your legal professional for assistance with a quiet title action. Left-over liens not sold at the county level can be purchased from the Alabama State Commissioner of Revenue (Sec. 40-10-21 and 40-10-132)
Hope this helps, If not then please feel free to reach out