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South Dakota Counties

State Auction Process in South Dakota

In South Dakota, the state generally follows a tax lien process to address delinquent property taxes. If property owners fall behind on their tax payments, the county may take action to recover the delinquent amounts. Here’s an overview of the state auction process:

  1. Notice Requirement: To ensure transparency and provide property owners with an opportunity to address their delinquent taxes, the county treasurer must notify them at least 14 days before the tax lien sale. This notice is sent through first-class mail or electronic means and is also published in a newspaper or posted at the courthouse if the county lacks a newspaper.
  2. Tax Lien Auction: To resolve delinquent taxes, the county may conduct a public auction of the tax lien. This auction process depends on the rules and regulations set by each county.
  3. Bidding Process: At the auction, interested parties, often investors, compete to win the tax lien. Bidders offer the full amount of the delinquent taxes, along with interest and associated costs. The winning bidder is determined by proposing the lowest annual interest rate on the lien.
  4. Certificate of Sale: The successful bidder is awarded a valuable certificate known as a tax certificate or certificate of sale. This certificate grants the holder the right to collect the delinquent taxes and interest from the property owner.
  5. Right of Redemption: South Dakota provides the property owner with the right of redemption, allowing them to reclaim their property. To exercise this right, the property owner must pay the delinquent taxes, interest, and other costs within a specified time frame.
  6.  County’s Option: If no one bids on the tax lien at the auction, the county retains the certificate. Subsequently, the county may choose to sell the certificate to a private party at a later time.
  7. Legal Action: If the property owner fails to settle the delinquent amounts within the redemption period, the winning bidder or the county may take legal action to acquire ownership of the property.

Foreclosures in South Dakota

In South Dakota, lenders have the option to foreclose on deeds of trusts or mortgages in default through either a judicial or non-judicial foreclosure process.

  1. Judicial Foreclosure: The judicial foreclosure process is used when there is no power of sale clause present in the mortgage or deed of trust. It involves the lender filing a lawsuit to obtain a court order to foreclose. After the court declares a foreclosure, the property is auctioned off to the highest bidder.
  2. Non-Judicial Foreclosure: The non-judicial foreclosure process is applicable when a power of sale clause exists in the mortgage or deed of trust. This clause authorizes the lender to sell the property to pay off the loan balance if the borrower defaults. In this case, the lender’s representative, known as the trustee, may execute the power of sale. The guidelines for this type of foreclosure process are as follows:

-The lender must publish a foreclosure notice once a week for four consecutive weeks in a newspaper of general circulation in the county where the property is located.

– At least twenty-one days before the scheduled sale date, the lender must serve a written copy of the foreclosure notice on the borrower and any lien holder whose interests would be affected by the foreclosure.

– The notice must include details such as the borrower and lender’s names, mortgage date, amount due, property description, and the time and place of sale.

– The sale is conducted by the county sheriff or their deputy, and it takes place between 9:00 am and 5:00 pm. Any person, including the lender, may bid at the sale, and the highest bidder receives a certificate of sale.

– The sale may be postponed by publishing a notice of postponement in the same newspaper as the original advertisement until the rescheduled date.

– If the property is 40 acres or less and the mortgage contains a power of sale clause, a 180-day redemption period exists. If the property is abandoned, the redemption period is reduced to 60 days. Generally, borrowers may redeem the property within one year of the sale date unless special short-term redemption mortgage provisions apply.

Quick Facts

– Judicial Foreclosure Available: Yes
– Non-Judicial Foreclosure Available: Yes
– Primary Security Instruments: Deed of Trust, Mortgage
– Timeline: Typically 90 days
– Right of Redemption: Varies
– Deficiency Judgments Allowed: Varies

Online Auction Resources

  1. Bid4Assets
  2. Auction.com
  3. Xome
  4. ServiceLink Auction – South Dakota
  5. Hubzu
  6. RealtyBid
  7. All Auction Sales
  8. HUD Homes USA
  9. Williams Auction
  10. Bank Foreclosures Sale
  11. Treasury Auctions
  12. South Dakota Auctions
  13. South Dakota Property Management Auctions
  14. Dakotaland Company
  15. RealtyTrac – South Dakota Foreclosure Auctions
  16. Dakota Realty Auctions
  17. Global Auction Guide – South Dakota
  18. Sutton Auction
  19. Bradeen Auction
  20. Peterson Land Auction
  21. Dakota View Realty
  22. Shippy Realty

Land & Farm Auction Resources

  1. SD Auctions
  2. Wieman Land & Auction
  3. GlobalAuctionGuide
  4.  Auctionguy
  5. Girard Auction
  6. Sutton Auction
  7. BigIron
  8. Jark Worlie Auction
  9. AuctionTime
  10. AuctionTime
  11. SS Auction
  12. Equipmentfacts
  13. Lorenzen Equipment
  14. Farms.com
  15. Farrell Auction
  16. Westra Auction
  17. Steffes Group
  18. Pifer’s Auction
CountyClerk WebsiteTax Lien Sales
Aurora Countyhttps://ujs.sd.gov/First_Circuit/Links/Counties.aspx?Y0%2FYsOZg%2BKwiwaWUSlCkqNYBPE7Cfraw%2F3wcAiPcpSE%3Dhttps://dor.sd.gov/government/county-treasurers/
Beadle Countyhttps://www.beadlesd.org/
Bennett CountyNANA
Bon Homme CountyNANA
Brookings Countyhttps://www.brookingscountysd.gov/https://www.brookingscountysd.gov/234/Sales
Brown Countyhttps://www.brown.sd.ushttp://brown.sd.us/node/958
Brule Countyhttps://ujs.sd.gov/First_Circuit/Links/Counties.aspx
Buffalo Countyhttps://buffalo.sdcounties.org/https://buffalo.sdcounties.org/offices/treasurer/
Butte Countyhttps://www.buttesd.org/clerk-of-courtshttps://www.buttesd.org/treasurers-office
Campbell Countyhttps://ujs.sd.gov/Fifth_Circuit/Links/Counties.aspx?1Oz6c6VS4cZ5q%2FI%2BN1IFTHT8EWt%2FjRd0FRZDldYePio%3D
Charles Mix Countyhttps://charlesmix.sdcounties.org/clerk-of-courts/https://charlesmix.sdcounties.org/treasurer/
Clark Countyhttps://www.claycountysd.org
Clay Countyhttps://www.claycountysd.org/https://www.claysheriff.org/mobile_sales.html
Codington Countyhttps://www.codington.org/auditor/https://www.codington.org/treasurer
Corson Countyhttps://corson.sdcounties.org/clerk-of-courts-2https://corson.sdcounties.org/treasurer/
Custer Countyhttps://www.custercountysd.com/clerk-of-courts/https://www.custercountysd.com/treasurers-office/
Davison Countyhttps://www.davisoncounty.org/https://www.davisoncounty.org/departments/treasurer/
Day Countyhttps://day.sdcounties.org/clerk-of-courtshttps://day.sdcounties.org/treasurer/
Deuel Countyhttps://www.deuelcountysd.com/clerk-of-courtshttps://www.deuelcountysd.com/treasurer-1
Dewey County
Douglas Countyhttps://douglas.sdcounties.org/clerk-of-courts/https://douglas.sdcounties.org/files/2023/03/Tax-deed-auction-notice.pdf
Edmunds Countyhttps://edmunds.sdcounties.org/clerk-of-courts/https://edmunds.sdcounties.org/treasurer
Fall River Countyhttps://fallriver.sdcounties.org/clerk-of-court/https://fallriver.sdcounties.org/2023/04/04/tax-deed-sale/
Faulk CountyNANA
Grant CountyNA
NA
Gregory Countyhttps://gregory.sdcounties.org/clerk-courts/https://gregory.sdcounties.org/treasurer/
Haakon CountyNANA
Hamlin Countyhttps://www.hamlincountysd.org/clerkofcourtshttps://www.hamlincountysd.org/treasurer
Hand Countyhttps://hand.sdcounties.org/https://hand.sdcounties.org/treasurer/
Hanson Countyhttps://www.hansoncounty.net/https://www.hansoncounty.net/treasurer
Harding CountyNANA
Hughes Countyhttps://hughescounty.org/departments/clerkofcourts/https://hughescounty.org/departments/treasurer/
Hutchinson Countyhttps://hutchinsoncountysd.org/
Hyde Countyhttp://hydetreas.users.venturecomm.net/index.htm
Jackson CountyNANA
Jerauld CountyNANA
Jones CountyNANA
Kingsbury Countyhttps://kingsburycountysd.org/clerk-of-courtshttps://kingsburycountysd.org/treasurer
Lake Countyhttp://www.lake.sd.gov/http://www.lake.sd.gov/custom/treasure
Lawrence Countyhttps://www.lawrence.sd.us/clerk-of-courts/https://www.lawrence.sd.us/325/Real-Estate-Taxes
Lincoln Countyhttps://lincolncountysd.org/Directory.aspx?did=28https://lincolncountysd.org/201/Treasurer
Lyman Countyhttp://lymancounty.org/clerk-of-courts/http://lymancounty.org/treasurer/
McCook Countyhttps://www.mccookcountysd.com/departments/clerk_courts.phphttps://www.mccookcountysd.com/departments/treasurer.php
McPherson Countyhttps://mcpherson.sdcounties.org/?page_id=15https://mcpherson.sdcounties.org/?page_id=135
Marshall Countyhttps://marshall.sdcounties.org/clerk-of-courts/https://marshall.sdcounties.org/treasurer/
Meade Countyhttps://www.meadecounty.org/https://www.meadecounty.org/treasurer
Mellette CountyNANA
Miner Countyhttps://www.minercountysd.org/departments/clerkofcourts/https://minercountysd.org/departments/treasurer
Minnehaha Countyhttps://www.minnehahacounty.gov/https://www.minnehahacounty.gov/notices/sale/sale.php
Moody Countyhttps://www.moodycounty.net/https://www.moodycounty.net/treasurer/
Pennington Countyhttps://www.pennco.org/https://www.pennco.org/index.asp?SEC=00961D41-46CB-456F-B4C4-DD8811C80A00
Perkins Countyhttps://www.perkinscounty.org/clerk-of-courts/https://www.perkinscounty.org/tax-deeds
Potter CountyNANA
Roberts Countyhttps://robertscosd.gov/roberts-county-clerk-of-courts/https://robertscosd.gov/treasurer/
Sanborn CountyNANA
Oglala Lakota Countyhttps://oglalalakota.sdcounties.org/clerk-of-court/https://oglalalakota.sdcounties.org/treasurer/delinquent-tax-list/
Spink Countyhttps://www.spinkcounty-sd.org/https://www.spinkcounty-sd.org/treasurer.html
Stanley Countyhttps://www.stanleycounty.org/https://stanleycounty.org/departments/treasurer/
Sully Countyhttps://www.sullycounty.net/https://www.sullycounty.net/offices/treasurer/
Todd Countyhttps://trippcounty.us/treasurer.htm
Tripp Countyhttps://trippcounty.us/clerk-of-court.htmlhttps://trippcounty.us/treasurer.html
Turner Countyhttps://turner.sdcounties.org/clerk-of-courts.htmlhttps://turner.sdcounties.org/treasurer.html
Union Countyhttps://unioncountysd.org/clerk-of-courts/https://unioncountysd.org/treasurer/
Walworth Countyhttps://walworthco.org/clerk-of-courtshttps://walworthco.org/treasurer/
Yankton Countyhttp://www.co.yankton.sd.us/default.aspxhttp://www.co.yankton.sd.us/custom/treasurer
Ziebach Countyhttps://ziebachcounty.org/clerk-of-courts
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