Tax Foreclosure in Virginia: What Homeowners Need to Know
A guide from AuctionBlock.org — a mission-driven company dedicated to foreclosure prevention education
Virginia uses a tax lien system. Localities sell delinquent tax receivables or conduct judicial sales to collect unpaid real property taxes.
How It Works
Property taxes in Virginia are collected by the local treasurer (city or county). Under Virginia Code § 58.1-3965 et seq., when taxes become delinquent, the locality can file a suit in circuit court to sell the property for delinquent taxes. The court can order the property sold at public auction.
Some Virginia localities also use a process where tax liens are sold to third-party purchasers who can then pursue collection. The exact process varies by locality.
Redemption Period
Under Virginia Code § 58.1-3974, the property owner has a right of redemption that continues until the court confirms the sale. There is generally no post-sale redemption once the court confirms the sale and the deed is recorded. Before the sale, the owner can pay all delinquent taxes, penalties, interest, and costs to stop the process.
Some localities provide additional notice periods. Contact your local treasurer for specifics.
Key Programs and Exemptions
Real Estate Tax Relief for the Elderly and Disabled: Under Virginia Code § 58.1-3210 et seq., localities may (and most do) provide property tax exemption or deferral for homeowners 65+ or permanently disabled with income and net worth below thresholds set by the locality. Apply through your local commissioner of the revenue or assessor.
Disabled Veterans Exemption: Under Virginia Code § 58.1-3219.5, veterans with a 100% service-connected, permanent, and total disability are exempt from real property taxes on their primary residence. Apply through your local commissioner of the revenue.
Land Use Assessment: Under Virginia Code § 58.1-3229 et seq., qualifying agricultural, forestal, or horticultural property may be assessed at use value rather than market value, reducing the tax burden.
Where to Get Help
- Legal Aid Society of Eastern Virginia: Call (757) 627-5423 or visit laseva.org.
- Blue Ridge Legal Services: Serves the Shenandoah Valley. Call (540) 433-1830 or 1-800-237-0141, or visit brls.org.
- Virginia Legal Aid Society: Serves south-central Virginia. Call (434) 528-4722 or visit vlas.org.
- HUD-Approved Housing Counselors: Call 1-800-569-4287 or visit hud.gov/counseling.
Take Action
Contact your local treasurer immediately if you are behind on property taxes. If you are 65+ or disabled, ask about tax relief programs.
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 local treasurer or a licensed attorney. AuctionBlock.org is a mission-driven company.