Cuyahoga County, Ohio: Are Tax Liens or Tax Deeds Your Best Bet?

Discover Cuyahoga County, Ohio, a goldmine for real estate investors with its massive Tax Lien and Deed Sales, offering a direct path to Cleveland’s thriving property market.

As Ohio’s second-most populous county, with Cleveland as its core, Cuyahoga offers unique strategies for investors. Here’s a detailed look into the opportunities:

Cuyahoga County Tax Lien Certificate Sales

Overview:
In these sales, you purchase the delinquent taxes in bulk. Sales usually average between $10 million and $17 million and cover thousands of parcels. The investor gains a first-priority lien. If the lien remains unredeemed after a year, the investor can initiate foreclosure proceedings.

Important Details:

Detail	Information
Tax Sale Type	Tax Lien Certificates
Typical Sale Date	Advertised in November, following July tax collection
Redemption Period	12 months
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Deed Sales Are Held on a Needed Basis and Only on Properties That Were Not Sold at Lien Sale and Were Held by the County for 18 Months Interest Rate / Penalty: 12% on Liens Redemption Period: 18 Months on Liens Online Auction: No Over the Counter: No Statute: West Virginia Code 11a Article 3 Click here to learn more about West Virginia Tax Deeds and Tax Liens × Type: Hybrid – Both Bidding Process: Premium on Deeds Frequency: Annually Throughout the Year Interest Rate / Penalty: 18% With Bid Down Redemption Period: 1 Year on Liens but Not Targeted for Individual Buyers Online Auction: No Over the Counter: No Statute: Ohio Revised Code Section 5721.30 Click here to learn more about Ohio Tax Liens and Tax Deeds × Type: Hybrid – Both Bidding Process: Liens – Bid Down the Interest Rate. Deed – Premium Frequency: Throughout the Year Per County Discretion Interest Rate / Penalty: 18% Redemption Period: 2 Years Online Auction: Yes Over the Counter: Yes Statute: Florida Statutes Chapter 197 Click here to learn more about Florida Tax Liens and Tax Deeds × Type: Redeemable Deed Bidding Process: Premium Frequency: Monthly on First Tuesday on the Month in Most Counties Interest Rate / Penalty: N/A Redemption Period: 1 Year With 20% Penalty + 10% for Each Subsequent Year Until Foreclosure Is Filed Online Auction: No Over the Counter: No Statute: Georgia Code Title 48 Ch 4 Article 1 Click here to learn more about Georgia Tax Deed × Type: Redeemable Deed Bidding Process: Premium Frequency: Annually in Fall Interest Rate / Penalty: 3% Per Quarter Capped at 12% Annually Redemption Period: 1 Year Online Auction: No Over the Counter: No Click here to learn more about South Carolina Redeemable Deed × Type: Tax Lien Certificate Bidding Process: Premium Frequency: Varies Interest Rate / Penalty: 12% Redemption Period: 1 Year Online Auction: No Over the Counter: No Statute: Rhode Island Code Chapter 44-9-1 Notes: Sales Handled by Municipality, Not County Click here to learn more about Rhode Island Tax Lien Certificates × Type: Tax Deed Bidding Process: Premium Frequency: Annually, Between July and Nov Interest Rate / Penalty: N/A Redemption Period: N/A Online Auction: Yes Over the Counter: Yes, “Surplus” Statute: Michigan General Property Tax Public Act 206 of 1983 Click here to learn more about Michigan Tax Deed × Type: Tax Deed Bidding Process: Premium Frequency: Varies on as Needed Basis Interest Rate / Penalty: N/A Redemption Period: N/A Online Auction: No Over the Counter: Yes Statute: 2016 Minnesota Statutes Chapter 282 Click here to learn more about Minnesota Tax Deed × Type: Tax Deed Bidding Process: Premium Frequency: Annually on the Third Tues in Nov Interest Rate / Penalty: N/A Redemption Period: N/A Online Auction: No Over the Counter: Yes, on County Basis Click here to learn more about North Dakota Tax Deed × Type: Tax Lien Certificate Bidding Process: Random Selection Process in Lieu of Bid Down Ownership Interest Frequency: Annually 3rd Monday of June Interest Rate / Penalty: 24% Redemption Period: 2 Years Online Auction: No Over the Counter: No Statute: Iowa Code Chapter 446 Click here to learn more about Iowa Tax Lien × Type: Tax Lien Certificate Bidding Process: Varies by County Frequency: Annually in May – June Interest Rate / Penalty: Varies by County. Anywhere Between 8% – 20% Redemption Period: 6 Months Online Auction: Some Over the Counter: Statute: General Assembly of Maryland 14-833 Click here to learn more about Maryland Tax Lien × Type: Tax Lien Certificate Bidding Process: Sealed Bid First Come First Serve Basis but Must Be Present Frequency: Annually – Varies Throughout Year Interest Rate / Penalty: 12% Redemption Period: 1 Year Online Auction: No Over the Counter: No Statute: Kentucky Rev Statute Ch 134 Art 420 Click here to learn more about Kentucky Tax Lien × Type: Tax Deed Bidding Process: Premium Frequency: Annually – Varies Throughout Year Interest Rate / Penalty: N/A Redemption Period: No but They Can Challenge Validity of Sale for 1 Year Online Auction: Yes – Most Counties Over the Counter: No – ‘ReOffer Sales’ Though Statute: Ca. Rev & Taxation Code Div 1 Part 6 Click here to learn more about California Tax Liens and Tax Deeds × Type: Tax Lien Certificate Bidding Process: Bid Down the Interest Rate Frequency: Annually – Varies Throughout Year Interest Rate / Penalty: 36% Redemption Period: 2 to 2 1/2 Years Depending on Classification of Property Online Auction: No Over the Counter: Statute: 35 ILCS 200/21 Click here to learn more about Illinois Tax Liens and Tax Deeds × Type: Tax Lien Certificate Bidding Process: Ownership Interest Bid Down Frequency: Yearly in May-June; Deeds: Monthly Interest Rate / Penalty: 12% + 5% Penalty Redemption Period: 3 Years Online Auction: Yes Over the Counter: No Statute: Louisiana Revised Statute 47-2157 Click here to learn more about Louisiana Tax Liens and Tax Deeds × Type: Tax Deed Bidding Process: First Come, First Serve Basis via Sealed Bid Frequency: Varies by Burrough Preferences Interest Rate / Penalty: N/A Redemption Period: N/A Online Auction: No Over the Counter: Yes Statute: Alaska Statutes 29.45 Sec 320 Click here to learn more about Alaska Tax Deed × Type: Tax Lien Certificate Bidding Process: Premium Frequency: Varies Based on Supply Interest Rate / Penalty: 12% Redemption Period: 1 Year Online Auction: No Over the Counter: No Statute: Vermont Statutes Title 32 Ch 133-9 Notes: Overbid Does Not Get Returned and Does Not Earn Interest. However, Tax Sales Are Very Rare in Vermont Click here to learn more about Vermont Tax Lien × Type: Tax Lien Certificate Bidding Process: Premium Frequency: 3rd Monday Yearly in Dec Interest Rate / Penalty: 12% Redemption Period: 3 Years + 60 Days Online Auction: No Over the Counter: No Statute: South Dakota Statutes Title 10 Chapter 20 Notes: Tax Lien Sales Are Not Common in SD Click here to learn more about South Dakota Tax Lien Certificates × Type: Tax Lien Certificate Bidding Process: Bid Down the Interest Rate + Premium Frequency: Annually Throughout the Year Interest Rate / Penalty: 18% + 2%-6% Penalty and 8% – 18% on Subs Depending on the Amount Redemption Period: 2 Years Online Auction: Some Over the Counter: Yes Statute: New Jersey Statutes Title 54 Ch 5 Click here to learn more about New Jersey Tax Lien × Type: N/A Bidding Process: N/A Frequency: N/A Interest Rate / Penalty: N/A Redemption Period: N/A Online Auction: N/A Over the Counter: N/A Statute: 2016 New Hampshire Rev Stat 5-80 Click here to learn more about New Hampshire Tax Lien × Type: Tax Lien Certificate Bidding Process: “Rotational” Bidding System Frequency: Annually in March Interest Rate / Penalty: 14% Redemption Period: 3 Years Online Auction: Only Douglas County Over the Counter: Yes Statute: Nebraska Statue 77-1801 Click here to learn more about Nebraska Tax Lien × Type: Tax Lien Certificate Bidding Process: By Assignment via First Come First Serve Basis With Legal Requirements by Investor Frequency: Annually in July Interest Rate / Penalty: 10% + 2% Penalty Redemption Period: 3 Years Online Auction: No Over the Counter: No Statute: Montana Code Ann 2015 Sec 15-16-301 Click here to learn more about Montana Tax Lien × Type: Tax Lien Certificate Bidding Process: Premium “Overbid” Frequency: Annually in Aug Interest Rate / Penalty: 10% With 8% on Subsequent Years Redemption Period: 1 Year Online Auction: Few Over the Counter: No Statute: Missouri General Assembly Ch 140 Notes: Must Be a State Resident to Bid at Lien Sales. City of St Louis and Jackson County Use Different Process (Tax Deeds) Click here to learn more about Missouri Tax Lien × Type: Tax Lien Certificate Bidding Process: Premium “Overbid” Frequency: Annually, Apr or Aug Interest Rate / Penalty: 18% Redemption Period: 2 Years Online Auction: Some Over the Counter: No Statute: Mississippi Code Sec 27-41-49 to 27-41-89 Click here to learn more about Mississippi Tax Lien × Type: Tax Lien Certificate Bidding Process: “Overbid” (Premium) Frequency: Annually Sometime in the Fall Interest Rate / Penalty: 10% Penalty if Redeemed in 1st 6 Months, 15% Penalty if Redeemed in Months 6-12, but Only on the Taxes and Fees Not the Overbid. Overbid Amount Receives 5% Interest. Redemption Period: 1 Year if Sold at County Sale, Liens Not Sold at County Sale Are Certified to Commissioner and Sold in “Commissioner’s Certificate Sale” With 120 Day Redemption Period Online Auction: Yes Over the Counter: No but There Is a Second Auction Called a Commissioners Certificate Auction With a Shorter Redemption Period of 120 Days Statute: Indiana Code 6-1.1-25 Click here to learn more about Indiana Tax Liens and Tax Deeds × Type: Tax Lien Certificate Bidding Process: Premium Frequency: Annually in Fall Interest Rate / Penalty: 9 Points Above Federal Discount Rate (Prime) Redemption Period: 3 Years Online Auction: Yes Over the Counter: Yes Statute: Colorado Revised Statutes 39-1-102 Click here to learn more about Colorado Tax Lien × Type: Tax Lien Certificate Bidding Process: Bid Down the Interest Rate Frequency: Annually in February Interest Rate / Penalty: 16% Redemption Period: 3 Years Online Auction: Yes – Not All Counties. Various Sites. Largest County Is Maricopa County Over the Counter: Yes – Liens Only Statute: Arizona Statute Title 42, Ch 18, Art 3 Click here to learn more about Arizona Tax Lien × Type: Tax Lien Certificate Bidding Process: Premium Frequency: Annually In Apr-May-Jun Interest Rate / Penalty: 12% Redemption Period: 3 Years Online Auction: No Over the Counter: Yes Statute: Code of Alabama 1975, Sec 40, Ch 10 Click here to learn more about Alabama Tax Lien × Type: Tax Lien Certificate Bidding Process: Random Selection Frequency: Annually in Jul – Sep Interest Rate / Penalty: 15% + 3% Penalty Redemption Period: 4 Years Online Auction: No Over the Counter: No Statute: Wyoming Statutes Title 39 Chapter 13 Click here to learn more about Wyoming Tax Lien × Type: Tax Deed Bidding Process: Premium Frequency: Varies as Needed Interest Rate / Penalty: N/A Redemption Period: N/A Online Auction: No Over the Counter: No Statute: Wisconsin State Statutes Sec 75.69 Click here to learn more about Wisconsin Tax Deed × Type: Tax Deed Bidding Process: Premium Frequency: Annually Later in the Year Interest Rate / Penalty: N/A Redemption Period: N/A Online Auction: Many Over the Counter: No Statute: Washington State RCW 84.64 Click here to learn more about Washington Tax Deed × Type: Tax Deed Bidding Process: Premium Frequency: Annually – Varies Throughout Year Interest Rate / Penalty: N/A Redemption Period: N/A Online Auction: No Over the Counter: No Statute: Code of Virginia 58.1-3965 Click here to learn more about Virginia Tax Deed × Type: Tax Deed Bidding Process: Premium Frequency: Annually in May Interest Rate / Penalty: N/A Redemption Period: N/A Online Auction: No Over the Counter: No Click here to learn more about Utah Tax Deed × Type: Redeemable Deed Bidding Process: Premium Frequency: Monthly on the First Tuesday of the Month Interest Rate / Penalty: 25% Penalty Per 6 Months for Non Homestead or Special Land Use Properties. If 2 Yr Redemption Period Applies 25% for 1st Year and 50% Penalty for 2nd Year Redemption Period: 6 Months for Most Properties. 2 Years for Homestead and Special Land Use Properties Online Auction: The Vast Majority No, but in 2019, Two Counties (Victoria & Orange) Over the Counter: Sealed Bid for “Struck Off” Properties Statute: Texas Tax Code 1-E-24A Click Here to Learn More About Texas Redeemable Deeds × Type: Tax Deed Bidding Process: “Upset Sale” First With Premium Bidding Which Does Not Extinguish Other Liens, Followed by “Judicial Sale” Where All Liens With the Exception of Irs Liens Are Extinguished Frequency: Annually Throughout the Year. Upset Sales Typically Held in the Fall. Judicial Sale Typically in the Spring but Could Be Anytime After the Upset Sale. Interest Rate / Penalty: N/A Redemption Period: N/A Online Auction: Very Few Over the Counter: Yes Through “Repository” List With County Acceptance Statute: Pennsylvania Statutes Title 72-5860 Click here to learn more about Pennsylvania Tax Deed × Type: Tax Deed Bidding Process: Premium Frequency: Annually in Spring or Summer Interest Rate / Penalty: N/A Redemption Period: N/A Online Auction: No Over the Counter: No Statute: Oregon Statutes Chapter 312 Click here to learn more about Oregon Tax Deed × Type: Tax Deed Bidding Process: Premium Frequency: Annually in June Interest Rate / Penalty: N/A Redemption Period: N/A Online Auction: No Over the Counter: Yes but County by County Statute: Oklahoma Statutes Title 68, Sec 3000 Click here to learn more about Oklahoma Tax Deed × Type: Tax Deed Bidding Process: Multiple Step Process. 1) Tax Foreclosure Sale With Premium Bidding but 10-day “Upset Bid” Period. Then Subsequent Sale, Then Surplus Frequency: Annually – Varies Throughout Year Interest Rate / Penalty: N/A Redemption Period: N/A Online Auction: No Over the Counter: Yes – “Surplus” Statute: North Carolina General Statutes 105-374 Click here to learn more about North Carolina Tax Deed × Type: Tax Deed Bidding Process: Premium Frequency: Annually Throughout the Year Interest Rate / Penalty: N/A Redemption Period: N/A Online Auction: No Over the Counter: No Statute: New Mexico Statutes Chapter 7 Article 38 Click here to learn more about New Mexico Tax Deed × Type: Tax Deed Bidding Process: Premium Frequency: Annually – Varies Throughout Year Interest Rate / Penalty: N/A Redemption Period: N/A Online Auction: Only Pershing County Over the Counter: No Statute: Nevada Revised Statute 361.585 Click here to learn more about Nevada Tax Deed × Type: Tax Deed Bidding Process: Oral or Sealed Bid – Premium Frequency: Varies Interest Rate / Penalty: N/A Redemption Period: N/A Online Auction: No Over the Counter: No Statute: Maine Revised Statute Title 36 Part 2 Click here to learn more about Maine Tax Deed × Type: Tax Deed Bidding Process: Premium Frequency: Varies by County & as Needed Depending on Number of Properties Interest Rate / Penalty: N/A Redemption Period: N/A Online Auction: No Over the Counter: No Statute: Kansas Statute Article 21 Ch 79-2101 Click here to learn more about Kansas Tax Deed × Type: Tax Deed Bidding Process: Premium Frequency: Annually in May or Varied Based on Number of Properties Interest Rate / Penalty: N/A Redemption Period: N/A Online Auction: No Over the Counter: Only a Few Counties Statute: Idaho Code Sec 63-100 to 63-101 Click here to learn more about Idaho Tax Deed × Type: Tax Deed Bidding Process: Premium Frequency: Annually Typically During Summer Months Interest Rate / Penalty: N/A Redemption Period: 30 Day Redemption Period & 90 Day Litigation Period Online Auction: No Over the Counter: Yes Statute: Arkansas Code Sec 26-37-101 Click here to learn more about Arkansas Tax Deeds ×