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North Dakota Counties

State Auction Process in North Dakota

North Dakota is generally considered a tax deed state. This means that if a homeowner doesn’t pay their property taxes, the county can foreclose on the property and sell it at a public auction. 

The auction process typically starts when the homeowner fails to pay their property taxes for two or more years. If you don’t pay your property taxes in North Dakota for two or more years, the county will personally serve or mail you, depending on the circumstances, a notice on or before June 1 that the tax lien is being foreclosed. If the homeowner still doesn’t pay the taxes, the county will foreclose on the property and sell it at a public auction.

The auction is typically held at the county courthouse. The highest bidder at the auction will be awarded the property. The buyer will then need to pay the taxes that were owed on the property, as well as the auction price. Unless you pay the taxes and special assessments on or before October 1 after the date of the notice, the county gets a tax deed and becomes the new owner of your home.

There are a few exceptions to the tax deed process in North Dakota. For example, if the homeowner is in the military or if they are disabled, they may be able to get a deferral on their property taxes.

Here are some additional details about the state auction process in North Dakota:

  • The auction is typically held on the first Tuesday of the month.
  • The auction is open to the public.
  • The buyer must pay a 10% deposit at the time of the auction.
  • The buyer has 30 days to pay the balance of the purchase price.
  • The buyer is responsible for paying the property taxes that were owed on the property.

Foreclosure Process in North Dakota

The foreclosure process in North Dakota is a judicial process, which means that the lender must file a lawsuit in court in order to foreclose on the property. The foreclosure process typically takes several months to complete.

The following are the steps involved in the foreclosure process in North Dakota:

  1. Pre Foreclosure Notice: The lender must first serve the borrower with a pre foreclosure notice. This notice gives the borrower a certain amount of time (typically 30 days) to pay the past-due mortgage balance and avoid foreclosure.
  2. Filing a Lawsuit: If the borrower does not pay the past-due mortgage balance within the specified time period, the lender will file a lawsuit in court. The lawsuit will ask the court to order a foreclosure sale of the property.
  3. Judgment: If the court grants the lender’s request for a foreclosure sale, the lender will be awarded a judgment against the borrower. The judgment will state the amount of money that the borrower owes the lender.
  4. Foreclosure Sale: The lender will then schedule a foreclosure sale of the property. The foreclosure sale is typically held at the county courthouse. The highest bidder at the foreclosure sale will be awarded the property.
  5. Redemption Period: The borrower has a certain amount of time (typically 60 days) after the foreclosure sale to redeem the property. This means that the borrower can pay the amount that was bid at the foreclosure sale and regain ownership of the property.

If the borrower does not redeem the property within the redemption period, the lender will become the owner of the property. All sales in North Dakota must be made by the sheriff or his deputy in the county where the property is located.  The borrower may stop the foreclosure process by paying the delinquent amount, plus foreclosure costs, prior to the time the sale is confirmed by the court. The property will be sold to the highest bidder, who will be issued a certificate of sale until the borrower’s redemption period has ended. 

It is possible to obtain a deficiency judgment against the borrower in North Dakota.

What is deficiency judgement?

A deficiency judgment is a court order that allows a lender to collect the remaining balance of a debt after a foreclosure sale has taken place. In North Dakota, a deficiency judgment can only be obtained in certain cases. For example, a deficiency judgment cannot be obtained against a borrower who owns a homestead property with four or fewer units and up to 40 contiguous acres.

Quick Facts

– Judicial Foreclosure Available: Yes
– Non-Judicial Foreclosure Available: No
– Primary Security Instruments: Mortgage
– Timeline: Typically 90 days
– Right of Redemption: Yes
– Deficiency Judgments Allowed: Yes

Online Auction Resources

  1. Bid4Assets
  2. Auction.com
  3. Xome
  4. ServiceLink Auction
  5. Hubzu
  6. RealtyBid
  7. Tranzon Online Auctions
  8. HUD Homes USA
  9. All Auction Sales
  10. Williams Auction
  11. Bank Foreclosures Sale
  12. U.S. Treasury Auctions
  13. LandWatch North Dakota Auctions
  14. North Dakota Surplus Property
  15. Pifer’s Auction & Realty
  16. LandSearch North Dakota Auctions
  17. Land.com North Dakota Listings
  18. Johnson Auction & Realty
  19. Peoples Company Auctions

Land & Farm Auction Resources

    1. Farm Auction Guide
    2. Global Auction Guide
    3. Resource Auction
    4. Auctionguy
    5. Pifer’s Auction
    6. AuctionTime
    7. Farms.com

    8. Helbling Auctioneers

    9. Orr Auctioneers
    10. Wolff Auctioneers
    11. Ulmer Auction
    12. Steffes Group
    13. Weishaar Auction
    14. BigIron
    15. Pifer’s Auction
    16. All Auction Sales
CountyAssessor
Adams Countyhttps://www.adamscountynd.com/
Barnes Countyhttp://www.co.barnes.nd.us/
Benson Countyhttps://www.bensoncountynd.com/
Billings Countyhttps://www.billingscountynd.gov/
Bottineau Countyhttps://www.bottineauco.com/
Bowman Countyhttps://bowmannd.com/
Burke Countyhttps://burkecountynd.com/
Burleigh Countyhttps://www.burleighco.com/
Cass Countyhttps://www.casscountynd.gov/
Cavalier Countyhttps://cavaliercounty.us/
Dickey Countyhttps://dickeynd.com/
Divide Countyhttps://www.dividecountynd.org/
Dunn Countyhttps://www.dunncountynd.org/
Eddy Countyhttps://www.eddycountynd.org/
Emmons Countyhttp://www.emmonsnd.com/
Foster Countyhttps://fostercounty.com/
Golden Valley Countyhttps://www.goldenvalleycounty.org/
Grand Forks Countyhttps://www.gfcounty.nd.gov/
Grant Countyhttps://www.grantcountynd.com/
Griggs Countyhttps://www.griggscountynd.gov/
Hettinger Countyhttps://hettingercountynd.com/
Kidder CountyNA
LaMoure Countyhttps://lamourecountynd.com/
Logan Countyhttps://logancountynd.com/
McHenry Countyhttps://www.mchenrycountynd.com/
McIntosh Countyhttps://www.mcintoshnd.com/
McKenzie Countyhttps://county.mckenziecounty.net/
McLean Countyhttps://www.mcleancountynd.gov/
Mercer Countyhttp://www.mercercountynd.com/
Morton Countyhttps://www.mortonnd.org/
Mountrail Countyhttp://www.co.mountrail.nd.us/
Nelson Countyhttps://www.nelsonco.org/
Oliver Countyhttps://olivercountynd.org/
Pembina Countyhttps://www.pembinacountynd.gov/
Pierce Countyhttps://www.piercecountynd.gov/
Ramsey Countyhttps://www.ramseycountynd.gov/
Ransom Countyhttps://ransomcountynd.net/
Renville Countyhttps://www.renvillecountynd.org/
Richland Countyhttps://www.co.richland.nd.us/
Rolette Countyhttps://www.rolettecounty.com/
Sargent Countyhttp://www.sargentnd.com/
Sheridan Countyhttp://www.co.sheridan.nd.us/
Sioux CountyNA
Slope Countyhttps://www.slopecountynd.gov/
Stark Countyhttps://www.starkcountynd.gov/
Steele Countyhttps://www.co.steele.nd.us/
Stutsman Countyhttps://www.stutsmancounty.gov/
Towner Countyhttps://www.tccounty.com/
Traill Countyhttps://www.co.traill.nd.us/
Walsh Countyhttps://walshcountynd.com/
Ward Countyhttps://www.co.ward.nd.us/
Wells Countyhttps://www.wellscountynd.com/
Williams Countyhttps://www.williamsnd.com/
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