Facing Tax Foreclosure in Millville, New Jersey? Know Your Rights
If you own a home in Millville and are falling behind on property taxes, you are not alone. Many homeowners across Cumberland County face this situation, and understanding your options is the first step toward protecting your home.
Understanding Tax Liens in Millville
In Millville, unpaid property taxes lead to a Tax Lien Certificate sale -- not a property auction. The Municipal Tax Collector for the City of Millville manages this process. Investors purchase certificates representing your tax debt, and you retain home ownership with the right to pay off the lien.
Each of New Jersey's 564 municipalities manages its own tax sales. Your community of approximately 28,468 residents has its own schedule. The Municipal Tax Collector in Millville is the key contact.
The Redemption Window
After the certificate sale, you have a redemption period to pay the outstanding amount and keep your home. Once it expires, the certificate holder may file for foreclosure through the Cumberland County Superior Court, which can result in property transfer. Contact Millville's Municipal Tax Collector immediately if you have received any notices.
Surplus Funds: What This Means for Millville
In Tyler v. Hennepin County (2023), the Supreme Court unanimously ruled that taking surplus equity beyond the tax debt violates the Takings Clause. New Jersey's 2024 reform law now prohibits keeping surplus equity from tax foreclosure -- groundbreaking for Millville and every NJ municipality. If your property was lost through tax lien foreclosure, surplus equity may be owed to you. Claim within three years under N.J.S.A. 46:30B-7 before funds transfer to the state.
Free Help from AuctionBlock.org
AuctionBlock.org is a mission-driven company dedicated to helping homeowners navigate tax foreclosure. We provide free assistance to homeowners in Millville and throughout Cumberland County, including surplus fund research and connections to legal resources.
Visit AuctionBlock.org today to learn more about your rights and get free help. You do not have to face this alone.
AuctionBlock.org is a mission-driven company. This article is for informational purposes and does not constitute legal advice. Consult a licensed New Jersey attorney. Last updated: April 2026.