Tennessee Trustee's Association

Tennesseetrustee.com

FAQ

Online Payments

1. How safe is online property tax payment?

This website uses specialized encryption to ensure that your tax payment information is secure. Actually, online payments are more secure than mailing your payment from your home postbox.

2. When will my bank account be debited for the payment?

Within 2-4 days of submission.

3. What methods are acceptable for online tax payment?

This website uses secure payment systems to process Visa, MasterCard and Discover credit and debit cards. Online checks are also accepted.

4. Why is there a convenience fee?

A convenience fee is a percentage or set amount of the transaction that is charged to the cardholder by the payment clearing house for processing credit card, debit card or e-check payments. None of these fees are retained by the County. You will have an opportunity to see what the fee will be before completing your payment. The Tennessee Trustee website is maintained by the vendor, Business Information Systems (BIS).

5. What kind of verification shows that I made my payment?

When payment is submitted, a printable receipt of the transaction will become available for immediate printing and retention for your records. This transaction receipt will contain all information about your payment(s) as well as your payment confirmation number.

6. Why do you need my e-mail address?

Along with your transaction receipt, an e-mail with the same information will be sent to you as an additional record should you have any problems after completing your payment. Within a few days of payment you will receive an e-mail that is your final confirmation of payment. This e-mail is your proof that your payment passed through the processor’s bank and has been deposited in the County Trustee’s bank account. KEEP AND FILE THIS RECORD! Your e-mail address will never be sold or transferred to outside parties for any reason except as applies to this transaction.

7. What do I do with my confirmation number?

Store your confirmation number in a safe place. It is a secure reference to your transaction and will be needed to access any payment information.

8. What is the due date for tax payments received online?

All taxes should be paid before the date due shown on your bill. The time and date shown on your confirmation page is the actual date and time of payment.

9. How will I know if my taxes were received before the due date?

Payments may be made up until 11:59 p.m. on the date payment is due. The date displayed on the confirmation page is recognized as the date of payment.

FAQ

1. When are property tax bills mailed out?

Property tax bills are mailed during September or October of each year. They are mailed to the owner of record (as of 1 January). If a deed change occurs after the first of the year, a tax bill will be mailed to the new owner of the property as a courtesy. New owners should contact their title company or review their closing statement to determine who is responsible for paying the taxes. Payment of property tax depends on when the property is transferred. Unpaid taxes continue to accrue against the property.

2. What time of year are property taxes due?

Taxes are due and payable the first Monday in October through the last day of February of the following year without interest charges.

3. Are partial payments accepted for my taxes?

Partial payments can be made on the current year's taxes, as long as taxes are paid in full by the February due date. You may begin making payments when you receive your tax notice. Beginning March 1, partial payments will be accepted, but interest will be added to the total due.*

* Not all counties accept partial payments *

4. What happens if I miss the tax payment deadline?

From the first day of each month beginning 1 March, interest of 1.5 percent per month (18 percent annually) is added to your tax amount . If the Post Office fails to postmark your payment by the dates due, it is considered a late payment. This applies even if you mail your payment on time. For mail-in payments, office meter dates are not accepted. Night deposit box payments dropped in are accepted as that day's deadline. Online property tax payments made through the BIS system are recognized by the county as paid on the date of the online transaction.

5. What time period do my annual taxes cover?

The taxes that become payable in October cover the current calendar year.

6. Where can my tax bill be paid in person?

The trustee's office is usually located in the Courthouse.

7. What does the term "EtUx" beside my husband's name on the property bill mean?

EtUx is a Latin phrase meaning "and wife." The phrase "EtVir" means "and husband," EtAl means "and others."

8. What do some of the terms on my tax bill mean?

Check the online glossary section for definitions of terms on your tax bill.

9. Does my mortgage company get a copy of my tax bill mailed to them?

No. It is the property owner's responsibility to forward tax bills to their mortgage company. Tax bills are mailed to the property owner to review the information.

Tax Sale Information

1. What is a tax sale?

An auction of parcels of property that have delinquent taxes.

2. What is the date and time of the annual tax sale auction?

Contact your trustee's office or Chancery Court for information on future tax sales.

3. Where will the auction/sale be advertised?

pLocal newspapers.

4. When are tax sales advertised?

The auction list is published once approximately 2-3 weeks before the sale.

5. How and when do you register for the tax sale auctions?

There is no registration. You must simply be present to bid.

6. Is it possible to register by mail?

No, you cannot register by mail.

7. What type of payment is required at auction?

Either cash, money order, or check is required at the time of the sale.

8. What type of bidding process is used?

This is an open, public auction.

9. Will the sales be final?

Yes, all sales are final at the auction.

10. Will all other liens be cleared from the property as a result of the sale?

All liens except state and federal liens are cleared.

11. Is there a redemption period before I can take possession once a property is acquired through your tax sale? If so, what is the redemption period?

The new owner cannot take possession of the property until one year from the date the confirmation of sale is filed.

12. If there is a redemption period, does the investor earn interest during the redemption period? If so, what is the annual interest rate?

There is an annual interest rate of 10 percent earned on the property during the redemption period.

13. If a foreclosure is necessary, will the county assist in this matter?

No. The county does not assist with foreclosures.

14. Will I receive a document to verify the purchase? Will it be a deed or a certificate of lien?

You will receive a receipt showing the amount you paid. At the end of the redemption period, the county will issue a deed.

15. Do you allow investors to invest at your tax sales without attending the tax sale?

No.

16. Is a current list of available properties or liens available?

The available properties are published 2-3 weeks before the tax sale. You may obtain a copy by contacting the newspaper.

17. Is a copy of the county and state statutes and rules regarding the tax sale available for purchase?

No.

18. Would you please place me on your mailing list if you have one?

Yes, however, all out of county names are purged from this list every two years.

19. Can I get a list of properties whose redemption period has already expired?

There are no properties available.

20. When will the list of unsold /unbid-on property be available?

There is rarely property remaining after an auction that hasn't been sold or bid on. If there is any property that was not sold or bid on, the one year redemption period applies to the county.