How long is Georgia tax-sale redemption?
Georgia generally allows redemption for at least 12 months after the tax sale under O.C.G.A. §48-4-40. After that, the purchaser can bar the right of redemption through statutory notice.
Georgia Tax Deed Sales: 12-Month Redemption & Bid Example
Georgia tax deed sales are redeemable. Under O.C.G.A. §48-4-40 and §48-4-42, the owner generally has at least 12 months to redeem, paying the purchase price plus a 20% first-year premium and later statutory premiums until the right is barred. Investors must budget for barment and title timing.
Redemption window
At least 12 months after sale, until the right is barred by statutory notice. Source: O.C.G.A. §48-4-40 and §48-4-42.
Next step
Georgia tax deed process
- 1. County sells the tax deed for delinquent taxes.
- 2. Purchaser holds a deed subject to the owner's redemption right.
- 3. After 12 months, purchaser can start the barment process.
- 4. Clear title usually depends on proper notice and foreclosure of the redemption right.
Worked bid example
Assume ARV is $160,000, repairs are $30,000, closing and holding costs are $10,000, and desired margin is $25,000. The pre-redemption ceiling is $95,000. Because Georgia redemption can last at least 12 months, reserve for insurance, taxes, barment costs, and delayed resale.
FAQ
What does a Georgia owner pay to redeem?
O.C.G.A. §48-4-42 generally requires the purchase amount plus a 20% premium for the first year and additional statutory premiums later. Confirm the exact county calculation before bidding.