Getting Your Home Back After a Tax Sale in Kentucky
How long you have to redeem a home after a property tax sale or tax lien sale in Kentucky, and how to do it.
Short answer: Kentucky sells certificates of delinquency (tax liens), not the home itself. The owner can pay off a certificate held by the county at any time to the county clerk; KRS 134.127; KRS 134.490; KRS 134.546
| Property tax sales | Kentucky sells certificates of delinquency (tax liens), not the home itself. The owner can pay off a certificate held by the county at any time to the county clerk; if a third-party purchaser buys it, that purchaser must notify the owner within 50 days and then every six months. A lawsuit to collect the certificate, which can include foreclosure, may be brought after one year from when the taxes became delinquent (and within 11 years), and the purchaser must send at least 45 days' notice before suing. If the home is then sold by foreclosure, it is appraised and the court-sale redemption right in KRS 426.530 applies. |
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More Kentucky foreclosure & homeowner law
- How Foreclosure Works in Kentucky
- Redemption and Deficiency Judgments in Kentucky
- HOA Liens and Foreclosure in Kentucky
- All Kentucky foreclosure & homeowner law rules
FAQ
How do you get your home back after a tax sale in Kentucky?
Kentucky sells certificates of delinquency (tax liens), not the home itself. The owner can pay off a certificate held by the county at any time to the county clerk; if a third-party purchaser buys it, that purchaser must notify the owner within 50 days and then every six months. A lawsuit to collect the certificate, which can include foreclosure, may be brought after one year from when the taxes became delinquent (and within 11 years), and the purchaser must send at least 45 days' notice before suing. If the home is then sold by foreclosure, it is appraised and the court-sale redemption right in KRS 426.530 applies.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.