Tax Foreclosure in Missouri: What Homeowners Need to Know
A guide from AuctionBlock.org — a mission-driven company dedicated to foreclosure prevention education
Missouri uses a tax lien system. Counties sell tax lien certificates on delinquent properties, and the certificate holder can eventually obtain a collector's deed.
How It Works
Property taxes in Missouri are collected by the county collector. Under RSMo § 140.010 et seq., when taxes become delinquent (after December 31), penalties and interest accrue. The county holds annual tax lien sales, typically on the fourth Monday in August.
At the sale, the county sells tax lien certificates to bidders. If no one bids, the lien goes to the state. The certificate holder earns interest on the delinquent amount.
Redemption Period
Under RSMo § 140.340, the property owner has a 1-year right of redemption from the date of the tax lien sale. During this period, the owner can pay all delinquent taxes, interest, penalties, and costs to the county collector.
After the 1-year redemption period expires, the certificate holder can apply for a collector's deed to the property.
In independent cities like St. Louis, the Land Reutilization Authority (LRA) may handle tax-delinquent properties under a different process (RSMo § 141.210 et seq.).
Key Programs and Exemptions
Property Tax Credit (Circuit Breaker): Under RSMo § 135.010 et seq., Missouri homeowners 65+ (or those receiving SSI/SSD) with income below the statutory threshold may claim a property tax credit on their state income tax return.
Disabled Veteran Exemption: Under Mo. Const. Art. X, § 6 and RSMo § 137.106, veterans with a 100% service-connected disability, or with a combined disability rating that qualifies under federal law, may be exempt from property taxes on their homestead.
Installment Agreements: Many Missouri counties allow taxpayers to set up installment payment plans for delinquent taxes. Contact your county collector's office.
Where to Get Help
- Legal Services of Eastern Missouri: Call (314) 534-4200 or 1-800-444-0514, or visit lsem.org.
- Legal Aid of Western Missouri: Call (816) 474-6750 or visit lawmo.org.
- HUD-Approved Housing Counselors: Call 1-800-569-4287 or visit hud.gov/counseling.
Take Action
Contact your county collector's office before the August tax lien sale. Paying even partial amounts may help you negotiate a payment plan.
Visit auctionblock.org/get-help for free resources and referrals.
Disclaimer: This guide is for educational purposes only and does not constitute legal advice. Laws and programs change. Verify current rules with your county collector or a licensed attorney. AuctionBlock.org is a mission-driven company.