Getting Your Home Back After a Tax Sale in North Carolina
How long you have to redeem a home after a property tax sale or tax lien sale in North Carolina, and how to do it.
Short answer: Local governments collect unpaid property taxes by foreclosing the tax lien, either by a civil action or by an in rem procedure. N.C. Gen. Stat. §§ 105-374(e), (o), 105-375(f); N.C. Judicial Branch, Foreclosures help topic
| Property tax sales | Local governments collect unpaid property taxes by foreclosing the tax lien, either by a civil action or by an in rem procedure. In a civil-action tax foreclosure, the owner can redeem before the court confirms the foreclosure sale by paying at least all taxes then due to the local government, plus penalties, interest and costs (and the commissioner's fee if redeeming after the sale). Within 10 days after the sale report is filed, interested persons may file exceptions and anyone may file an increased bid. In the in rem procedure, the lien may be paid before judgment, and before the sheriff's execution sale the owner may ask the clerk to set aside the judgment because the tax was paid or the lien is invalid. In rem procedure: https://www.ncleg.gov/EnactedLegislation/Statutes/HTML/BySection/Chapter_105/GS_105-375.html |
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More North Carolina foreclosure & homeowner law
- How Foreclosure Works in North Carolina
- Redemption and Deficiency Judgments in North Carolina
- HOA Liens and Foreclosure in North Carolina
- All North Carolina foreclosure & homeowner law rules
FAQ
How do you get your home back after a tax sale in North Carolina?
Local governments collect unpaid property taxes by foreclosing the tax lien, either by a civil action or by an in rem procedure. In a civil-action tax foreclosure, the owner can redeem before the court confirms the foreclosure sale by paying at least all taxes then due to the local government, plus penalties, interest and costs (and the commissioner's fee if redeeming after the sale). Within 10 days after the sale report is filed, interested persons may file exceptions and anyone may file an increased bid. In the in rem procedure, the lien may be paid before judgment, and before the sheriff's execution sale the owner may ask the clerk to set aside the judgment because the tax was paid or the lien is invalid.
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.