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Alabama Counties

State Auction Process of Alabama

In Alabama, the process of dealing with delinquent property taxes involves the issuance of tax lien certificates through a tax lien sale. As a Tax Lien State, Alabama allows the county treasurer to take action when real property taxes are not paid on time. In Alabama, taxes are due on October 1 and become delinquent on January 1. Again, if you don’t pay your property taxes in Alabama, the delinquent amount becomes a lien on your home. Once a tax lien is on your home, the taxing authority may hold a tax lien sale. Then, if you don’t pay off the amount of the lien plus various other amounts in a specified amount of time, the winning bidder can get the title to your home.

Tax Lien Process in Alabama

When property owners fail to pay their real estate taxes, the county treasurer has the authority to hold a tax lien sale. During this sale, tax lien certificates are offered to the highest bidder. These certificates represent the right to collect the delinquent taxes, along with any accrued interest and fees, from the property owner.

The minimum bid for a tax lien certificate is typically based on the amount of past due taxes, interest, and other applicable fees. Investors attending the tax lien sale can bid on the certificates by offering to pay the specified amount of delinquent taxes on behalf of the property owner.

The winning bidder at the tax lien sale receives the tax lien certificate, granting them the legal right to collect the unpaid taxes from the property owner. The property owner then enters into a redemption period during which they have the opportunity to pay off the delinquent taxes, interest, and fees to reclaim their property.

If the property owner fails to redeem the property within the specified redemption period, the tax lien certificate holder may proceed with foreclosure to take ownership of the property.

In summary, Alabama’s tax lien procedure involves holding a tax lien sale, where tax lien certificates are auctioned to investors. These certificates grant the right to collect delinquent taxes from property owners who have fallen behind on their real estate taxes. The redemption period provides property owners with an opportunity to redeem their property by paying off the outstanding tax debt, while investors have the potential to acquire the property if redemption does not occur.

Foreclosures in Alabama

The foreclosure process in Alabama can be divided into two main phases:
  • Judicial Foreclosure: This is the process of foreclosure where the lender files a lawsuit in court to obtain a court order to foreclose on the property. This process is more complex and time-consuming than a non-judicial foreclosure.
  • Non-Judicial Foreclosure: This is the process of foreclosure where the lender does not need to file a lawsuit in court. Instead, the lender can simply publish a notice of foreclosure sale in a newspaper and then sell the property at auction. This process is simpler and faster than a judicial foreclosure.
  • Power of Sale Clause: This is a clause in a mortgage or deed of trust that gives the lender the right to sell the property if the borrower defaults on the loan. If the mortgage or deed of trust contains a power of sale clause, the lender can foreclose on the property without having to file a lawsuit in court.
  • Notice of Sale: This is a notice that is published in a newspaper to inform the public that a foreclosure sale will be held. The notice must include the time, date, and location of the sale, as well as a description of the property that will be sold.
  • Redemption Period: This is the period of time after a foreclosure sale during which the borrower can redeem the property by paying the full amount of the debt, plus interest and fees. The redemption period in Alabama is 1 year for non-homestead properties and 180 days for homestead properties.

Quick Facts

– Judicial Foreclosure Available: Yes
– Non-Judicial Foreclosure Available: Yes
– Primary Security Instruments: Deed of Trust, Mortgage
– Timeline: Varies by Process; Typically 30 – 60 days
– Right of Redemption: 12 months
– Deficiency Judgments Allowed: Yes

Online Auction Resources

  1. Auction.com Alabama Residential Listings
  2. Xome Alabama Auctions
  3. Hubzu Alabama Auctions
  4. Williams Auction Alabama Real Estate
  5. ServiceLink Auction Alabama
  6. RealtyBid Alabama Auctions
  7. AuctionZip Alabama
  8. RealtyTrac Alabama Foreclosure Auctions
  9. Couch Auction and Realty
  10. Swafford Auction Group
  11. LandSearch Alabama Auctions
  12. HousingAuctions.net Alabama
  13. ADECA Alabama Online Auctions
  14. GovDeals Alabama Auctions
  15. AllSurplus Auctions
  16. Davis Realty and Auction
  17. Adams Auctions
  18. Bid4Assets
  19. HUD Homes USA
  20. GovEase Auctions
  21. AllAuctionSales
  22. BankForeclosuresSale Alabama
  23. U.S. Treasury Real Property Auctions

CountyClerk WebsiteTax Lien Sales
Autauga Countyhttps://autauga.alacourt.gov/autauga-circuit-clerks-office/https://autauga.capturecama.com/
Baldwin Countyhttps://baldwin.alacourt.gov/cir...https://baldwincountyal.gov/gov...
Barbour Countyhttps://barbour.alacourt.gov/https://www.bid4assets.com
Bibb Countyhttps://bibbal.com/NA
Blount Countyhttps://blount.alacourt.gov/circu...https://www.bid4assets.com
Bullock County https://www.bullockcountyal.com/ https://bullockcountyalrev.com/faq
Butler Countyhttps://www.butlercountyal.com...www.govease.com
Calhoun Countyhttps://www.calhouncounty.org/ https://www.calhouncounty.org/revenue/taxlie...
Chambers Countyhttps://chamberscountyal.gov/departments/circuit-clerk NA
Cherokee CountyCherokee County https://cherokeepropertytax.com/tax-li...
Chilton Countyhttps://chiltoncounty.org/ https://www.bid4assets.com
Choctaw Countyhttps://choctaw.alacourt.gov/circuit-clerk-candace-jenkins/ https://www.bid4assets.com
Clarke Countyhttps://clarkecountyal.com/the-circuit-court-clerk/ NA
Clay Countyhttps://clay.alacourt.gov/circuit-clerk-julie-poe/ NA
Cleburne Countyhttps://cleburne.alacourt.gov/ http://www.cleburnerevenue.com/tax-lien-sale.php
Coffee Countyhttps://www.coffeecounty.us/Directory.aspx?did=20 https://www.bid4assets.com
Colbert Countyhttps://colbertcounty.org/index.html NA
Conecuh Countyhttps://conecuh.alacourt.gov/ https://www.conecuhcounty.us/revenue
Coosa Countyhttp://www.coosacountyal.com/ http://www.coosacountyal.com/property-taxes
Covington Countyhttp://www.covcounty.com/circuit-clerk http://www.covcounty.com/revenue-commissioner
Crenshaw Countyhttps://crenshawcountyalonline.com/default.aspx?pageID=1#/ https://www.bid4assets.com/
Cullman Countyhttps://www.co.cullman.al.us/ https://cullmanrevenuecommissioner.com/category/tax-lien-auction/
Dale Countyhttps://www.dalecountyal.com/ https://www.dalecountyrevenue.com/Default.asp?ID=309&pg=Property+Taxes
Dallas County https://dallas.alacourt.gov/ http://www.dallascounty-al.org/secondary.aspx?pageID=20
DeKalb County https://dekalb.alacourt.gov/ http://www.revenue-dekalbco-al.us/taxes/
Elmore County https://elmore.alacourt.gov/ https://elmorerevenuecommissioner.net/
Escambia Countyhttps://www.escambiacountyal.gov/ https://www.escambiacountyal.gov/government/tax_collector/delinquent_taxes.php
Etowah Countyhttps://etowahcounty.org/ NA
Fayette Countyhttps://fayette.alacourt.gov/circuit-clerk-samantha-howard/ NA
Franklin Countyhttps://franklin.alacourt.gov/ NA
Geneva Countyhttps://genevacountyal.gov/ https://genevacountyal.gov/revenue-tax-sale-info/
Greene CountyNANA
Hale Countyhttp://www.halecountyal.com/circuit-court-clerk http://www.halecountyal.com/notice-sale-tax-liens-collecting-delinquent-property-tax
Henry Countyhttps://www.henrycountyal.com/ https://henry.countyclerk.us/delinquent-taxes/
Houston County https://houstoncountyal.gov/ https://revenue.houstoncountyal.gov/Quick-Links/Tax-Sale
Jackson Countyhttps://www.jacksoncountyal.gov/ https://www.jacksoncountyal.gov/DocumentCenter/View/600/Tax-Lien-Procedures-Jack
Jefferson Countyhttps://www.jccal.org/Default.asp?ID=649&pg=Clerk+and+Register https://www.jccal.org/Default.asp?ID=2350&pg=Tax+Lien+Info
Lamar Countyhttps://lamar.alacourt.gov/ https://www.bid4assets.com/
Lauderdale Countyhttps://lauderdalecountyal.gov/ https://lauderdalecountyal.gov/index.php/revenue-commissioner/
Lawrence Countyhttps://lawrence.alacourt.gov/ https://lawrencecountyrevenue.com/taxes?=property#//
Lawrence Countyhttps://lawrence.alacourt.gov/ https://lawrencecountyrevenue.com/taxes?=property#/
Lee Countyhttps://www.leecountysheriff.org/ https://www.leecountyrevenuecommissioner.com/property
Limestone Countyhttps://limestone.alacourt.gov/circuit-clerk/ https://limestonerevenue.net/Custom/CA_TaxCollection.aspx
Lowndes Countyhttps://lowndes-al.gov/government/departments/circuit_clerk_s_office/index.p NA
Macon Countyhttps://macon.alacourt.gov/ https://maconcountyal.com/
Madison Countyhttps://www.madisoncountycircuitclerk.org/ https://www.madisoncountyal.gov/departments/tax-collector/tax-sale
Marengo Countyhttps://www.marengocountyal.com/ https://www.marengocountyal.com/Default.asp?ID=165&pg=2022+Delinquent+Ad+Valorem+P
Marion Countyhttps://www.marioncountyclerk.org/ NA
Marshall County https://www.marshallco.org/index2.html https://www.marshallco.org/departments/revenue/revenue.html
Mobile Countyhttps://www.mobileso.com/ https://mobilecopropertytax.com/taxliensale/
Monroe Countyhttps://monroe.alacourt.gov/ https://monroe.capturecama.com/Custom/CA_TaxCollection.aspx
Montgomery Countyhttps://www.mc-ala.org/ https://montgomery.capturecama.com/
Morgan Countyhttps://morgan.alacourt.gov/ http://www.morgancountyrevenue.com/tax-sale
Perry Countyhttps://perry.alacourt.gov/circuit-clerk-mia-jacobs-turner/ https://www.perrycountyal.gov/government/revenue-commissioner/tax-collection
Pickens County https://pickens.alacourt.gov/ https://taxes.pickensalabama.com/taxSearch
Pike Countyhttps://www.pikecountyalsheriff.com/ https://www.pikerevenue.com/Default...
Randolph Countyhttp://www.randolphcountyalabama.gov/ http://www.randolphcountyalabama.gov/Revenue/Tax%20Lien%20Auction.htm
Russell Countyhttps://russell.alacourt.gov/circuit-clerk-jody-sellers/ https://rcala.com/revenue-commissioner/
St. Clair Countyhttps://www.stclairco.com/149/Circuit-Clerk https://www.stclairtax.com/Default.asp?ID=71&pg=Tax+Lien+Auction
Shelby Countyhttps://www.shelbyso.com/ NA
Sumter Countyhttps://sumter.alacourt.gov/ https://sumtercountyal.com/tax-collector/
Talladega Countyhttps://sumter.alacourt.gov/ https://www.talladegacountyal.org/departments/revenue_commission_-_new/property/tax_sale.php
Tallapoosa Countyhttps://tallaco.com/ https://www.tallapoosapropertytax.com/Sites/Tallapoosa_County_Revenue/Documents/Main/Tax%
Tuscaloosa Countyhttps://www.tcsoal.org/ https://www.tuscco.com/government/departments/tax-collector/tax-lien-sale/
Walker Countyhttps://walkercountysheriff.com/index.html https://www.walkercountyrevenue.com/Default.asp?ID=70&pg=Tax+Liens
Washington Countyhttps://wcalabama.com/circuit-court-clerk/ https://wcalabama.com/revenue-commissioner/
Wilcox Countyhttps://wilcox.alacourt.gov/ https://www.bid4assets.com/
Winston Countyhttps://www.winstoncountycircuitclerk.us/ https://www.winstoncountyrevenue.com/
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