Tax Liens
Federal IRS liens and Florida property tax liens. Satisfied directly from sale proceeds at closing with coordination through the title company.
Lien on Property · Florida · St Petersburg
Sell Your Florida House with a Lien — Fast Cash Offers
Selling a house with a lien in Florida doesn't have to be stressful. We buy as-is, handle the lien payoff at closing, and can close in as little as 7 days. No agent fees. No repairs. No pressure.
- Cash offer within 24 hours
- As-is purchase — no repairs needed
- Close in as little as 7 days
- No fees or commissions
- Lien payoff coordinated at closing
Bennett AndrewsLocal Founder · We Buy St Pete Houses · Pinellas County
BBB A+Accredited Business
5.0 ★Google Reviews (120+)
500+Homes Bought in Tampa Bay
15+ YrsLocal Experience
We Understand What You're Dealing With
A lien on your home can feel like a wall you can't get around.
Whether it's a tax lien that's been accumulating, a judgment from years ago, or an HOA dispute that spiralled — discovering a lien on your property when you're trying to sell is one of the most frustrating positions a homeowner can be in. You're not stuck. And you don't have to resolve it yourself before selling.
Most homeowners in this situation spend weeks trying to figure out what they owe, who to call, whether they can afford to pay it off, and whether they're even allowed to sell. That uncertainty is exhausting — especially when you have somewhere you need to be or a life decision waiting on the other side of this sale.
The thing most people don't realize: a lien doesn't prevent a sale. It gets paid off as part of one. When you sell to a cash buyer like us, the lien is satisfied directly from the sale proceeds at the closing table. You don't pay it out of pocket. You don't need to resolve it in advance. The title company handles the payoff, and you walk away with whatever equity remains.
We've done this dozens of times across St. Petersburg and Tampa Bay — tax liens, judgment liens, HOA liens, mechanic's liens, and properties with multiple overlapping liens. It's our specialty. We want to help you understand your situation honestly and give you a clear path forward, with no pressure to commit to anything.
"I had a judgment lien I didn't even know about until I tried to sell. I thought the deal was dead. They explained exactly how the payoff would work, gave me a written offer the next day, and it was handled at closing. I didn't pay a dollar out of pocket." — St. Petersburg seller, 2024
What Homeowners with Liens Face
~30%
of title searches in Florida reveal unexpected liens
Many homeowners discover liens only when they try to sell — judgment liens, old HOA debts, and medical liens are among the most common surprises.
10 yrs
how long a judgment lien lasts in Florida — and it can be renewed
Under Florida Statute §55.10, judgment liens are valid for 10 years and can be renewed. The lien won't simply expire — it follows the property until paid.
$0
out of pocket for lien payoff when you sell to us
Liens are paid from sale proceeds at closing, not by you in advance. You don't need to bring money to the table or arrange financing to resolve them.
7
days minimum to close once you accept our offer
We coordinate lien verification and payoff through the title company in parallel — so closing isn't delayed by the lien resolution process.
Types of Liens We Handle
Every Type of Florida Lien — We've Seen It
Liens come in many forms. All of them can be resolved at closing when you sell to us. Here are the most common types we handle across St. Pete and Tampa Bay.
Our 4-Step Process
How It Works: Simple, Transparent, Fast
Our four-step path makes selling a home with liens simple and certain. No listings, no showings, no repairs — just a direct path to cash.
- 01
Submit Property Details
Fill out our quick form or call us with basic property information. We need proof of ownership and lien details — we'll guide you through the rest.
- 02
Receive Your Cash Offer
We evaluate your property and present a no-obligation cash offer within 24 hours — fair, straightforward, and based on current local market conditions.
- 03
Verify Lien Payoff
Once you accept, we coordinate directly with your lien holders to verify payoff amounts. Liens are satisfied from sale proceeds — no extra steps for you.
- 04
Close Quickly
Choose your closing date. We can close in as little as 7 days or on your preferred timeline. Funds are issued to you promptly after closing.
How Lien Payoff Works
What Happens to the Lien at Closing?
The process is straightforward — liens don't block the sale. They're resolved as part of it. Here's exactly how the money flows at your closing.
Step 1
Title Search
The title company identifies all recorded liens against the property and confirms exact payoff amounts with each lien holder.
Step 2
Payoff Coordination
We coordinate with your lien holders and the title company to confirm payoff figures and schedule disbursements at closing.
Step 3
Closing Day
Sale proceeds are disbursed in order: liens paid first directly to lien holders; remaining balance paid to you at closing.
Step 4
Clear Title
All liens are released. The new owner receives clear title. Your responsibility ends at closing — no post-sale lien issues.
What if the liens exceed my equity?
If liens exceed the property value, contact us anyway. Depending on your situation, there may still be options — including short sales or lien negotiation. Our team will walk you through what's possible before making any commitments.
Local Resources
Local Resources for St. Petersburg Homeowners
Need help understanding liens or accessing property records? These local offices provide guidance and services for Florida homeowners navigating lien-related property matters.
City
St. Petersburg City Hall
General city services and property information. Starting point for city-level lien inquiries and municipal code compliance questions.
Tax
Pinellas County Tax Collector
Tax lien details and payment options. Confirm outstanding tax liens and obtain payoff amounts for property tax obligations.
Court Records
Pinellas County Clerk of the Circuit Court
Official property records and lien searches. Access recorded liens, judgment records, and title-related documents for Pinellas County properties.
Health
Florida Dept. of Health – Pinellas County
Health-related lien inquiries, including Medicaid estate recovery liens that may apply to inherited or estate properties.
Referral Service
Florida Bar Lawyer Referral Service
Find a licensed Florida real estate attorney for lien disputes, lien negotiation, or title clearance before closing.
Counseling
HUD Housing Counseling
Free HUD-approved housing counselors can help homeowners understand how federal liens like FHA mortgage liens and HUD claims affect a property sale.
What Sellers Say
From homeowners who sold with liens on their property.
Liens feel like dealbreakers until you've learned how they actually work at closing. These are sellers who found a clear, simple path through.
★★★★★
“John contacted me directly via text message about wanting to purchase our home. At first, I was skeptical mainly because there are so many scams going around. I did a quick Google search to verify this was a legit company, and it is. I replied to his text and that is where our quick process of selling our home began. Simply saying this was an easy and painless process is an understatement. This process was undoubtedly the easiest real estate transaction we've ever done. John was not only kind, but he was also transparent, honest, and always available to answer any questions. He set everything up for us from the inspection to the Mobile Closing that came to us. Nicole from the title company they use was attentive, kind, and helpful as well. If you are looking to sell your home and want a fair offer and an easy stress-free process, this company is who you need to work with. If you can choose who you work with, I sincerely encourage you to work with John. I hope this company truly recognizes what an amazing asset they have with John working for and representing them.”
AF
Amy Ford
Our Commitment
Clear terms. No surprises.
What we promise — the same deal we'd want if we were the ones sitting across the table with a lien on our property.
Liens resolved at closing
You don't pay liens out of pocket. They're satisfied directly from sale proceeds at the closing table — no advance payments required.
No commissions or fees
The cash offer you accept is what you receive after liens are paid. No agent commissions, no hidden closing costs charged to you.
Buy as-is — no repairs
We purchase the property in its current condition. No fixes, no inspections, no staging required before we make an offer.
Close on your timeline
As fast as 7 days or more time if you need it. We coordinate lien payoff through the title company in parallel — no delay from the lien process.
Service Area
Areas We Serve in Florida
We serve St. Petersburg and the greater Tampa Bay area with fast, reliable cash closings — including hyper-local knowledge of lien processing norms and title workflows specific to each community.
Service area — cities
Common Questions
Frequently asked questions about selling with liens in Florida.
Can you sell a property with a lien on it in Florida?
Yes. In Florida, you can sell a liened property, and we can help you through a fast, cash-close process. The lien is paid off from the sale proceeds at closing — you don't need to resolve it before the sale or bring cash to the table.
Can you sell a house with a lien on it in Florida for cash?
Yes. We offer cash for liened homes and aim to close quickly with no repairs. Our as-is purchase model handles liens directly at closing — cash buyers like us don't require financing contingencies or lender-mandated clear title before closing.
What is the process to sell a home with liens in Florida?
Submit property details, receive a cash offer within 24 hours, confirm the offer, coordinate lien payoff at closing, and close on your timeline. We handle all lien verification and payoff steps through the title company — you don't manage any of it directly.
How long does a lien stay on your property in Florida?
Lien duration varies by type. Judgment liens typically last 10 years and can be renewed. Tax liens vary based on the agency. HOA and mechanic's liens follow Florida's lien enforcement statutes. Regardless of how long a lien has been in place, it can be resolved as part of a cash closing — we handle the payoff process at the table.
What happens to lien payoff from the proceeds when selling to a cash buyer?
At closing, the lien is paid off from the sale proceeds, and the remainder goes to you. The title company coordinates the payoff directly with each lien holder, confirms payoff amounts, and issues disbursements on closing day. You receive your net proceeds after all liens are satisfied.
Can a lien be resolved before closing in Florida?
Yes — you can resolve liens before closing, but it's not required when selling to us. We coordinate all lien payoffs as part of the closing process, which is simpler and eliminates the need to pay liens out of pocket in advance. Most sellers prefer to let the closing proceeds handle it.
Do you charge any fees or commissions?
No. We buy as-is with no agent fees or commissions and offer a cash close. We cover typical closing costs. The number in your offer is what you receive — no deductions, no hidden fees, no surprises.
What documents will I need to start the process?
Bring proof of ownership (deed or title) and any lien documentation you have. We'll guide you through the rest. Basic property information is all we need to get started — our team handles lien research and verification from there.
Is selling a liened home legally complicated?
Not overly, especially with a buyer experienced in Florida lien transactions. We handle the lien payoffs and closing steps clearly to reduce risk, working with title companies experienced in Florida lien resolution. The complexity is manageable — we've done it dozens of times across Tampa Bay.
Ready to sell?
Get your no-obligation cash offer today.
Ready to move forward? Submit your property details now for a fair cash offer. Lien payoff handled at closing. No repairs. No commissions. No pressure.
- Submit details online or call us directly
- Receive a fair cash offer within 24 hours
- Accept the offer and coordinate lien payoff
- Close on your schedule — fast or flexible