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Texas Tax Deed — Lien-Landmine Checklist
What survives the sale, the redemption rules, and the checks to run before you bid. Free from DeedFlex.
Texas at a glance. Texas is a
redeemable-deed state.
Redemption: 25% penalty (yr 1) / 50% (yr 2) on homestead/ag; up to 25% in 180 days otherwise. Window: 180 days (2 years for homestead/ag). You take the deed + possession during redemption; the penalty is flat, not annualized. (Typical — verify with the county.)
Landmines What can SURVIVE the sale (you inherit these)
- Federal / IRS tax liens — a properly-noticed sale extinguishes them, but the IRS keeps a 120-day right of redemption, so treat any IRS-lien parcel as elevated risk.
- Governmental & municipal liens — special assessments, CDD/POA, water/sewer, and demolition liens can survive in many states.
- Code-enforcement liens — often survive and can be large.
- Easements & deed restrictions of record.
- MUD/special district assessments
18,381
Texas parcels DeedFlex tracks & scores
1,361
carrying a lien flag worth verifying
HOA / condo dues: in most states (e.g. Florida, per Fla. Stat. 197.552) a properly-noticed tax deed extinguishes prior private HOA assessments — but treatment varies by state, and governmental CDD/POA assessments can survive. Verify with the association and county.
Usually cleared What the sale typically WIPES
- Private mortgages & deeds of trust — extinguished if the lender was properly noticed.
- Most junior judgment liens — wiped if the lienholder was noticed.
- The prior owner's interest — subject to their redemption right until it expires.
Your pre-bid checklist
- Pull the parcel record from the County Property Appraiser (value, sqft, year built, zoning).
- Read the clerk's tax-sale file & notice list — who was properly noticed?
- Search county records for a Notice of Federal Tax Lien (IRS liens get a 120-day window).
- Pull code-enforcement & municipal lien balances from the city — in writing.
- Call the HOA / condo association for the assessment status — don't trust the title report alone.
- Order a pre-sale title search or O&E report ($50–$200).
- Confirm the redemption window, what it pays, and the auction platform / date.
- Drive (or street-view) the property and the block.
The numbers rule
Don't chase the low opening bid. A conservative max bid is about 70% of after-repair value, minus rehab, minus any surviving liens, minus a title-clearing reserve ($1,500–$5,000 quiet title in most states). Run your exact numbers on the free DeedFlex Deal Analyzer.