We buy houses directly — as-is, no repairs, no agent fees.
Selling a Panama City, Florida house with liens against it
Liens and unpaid taxes are settled at closing. You do not pay them first.
What this actually means
Liens attach to the property rather than to you personally, which is why a title search finds them and why they must be resolved before clear title passes. Contractors, HOAs, municipalities and lenders can all record claims, and it is common for an owner to be unaware of some of them until a sale is attempted.
What usually goes wrong
Owners discover liens at the worst moment — under contract, with a closing date — and the deal collapses because there is no time to resolve them. Some liens are also simply wrong: expired, satisfied but never released, or overstated, and they stay attached until somebody challenges them.
Your options
Pay the liens and sell with clear title. Sell and settle them out of the proceeds at closing. Dispute a lien you believe is wrong or overstated. Negotiate a reduced settlement with the holder.
What applies in Panama City, Florida
Under Florida law the holder of a tax certificate may apply for a tax deed once two years have passed since 1 April of the year the certificate was issued — which is the point at which an unpaid tax bill can start to cost the owner the property. (Source: https://www.flsenate.gov/laws/statutes/2023/197.502) The median time a home sits on the market in the Panama City area was 96 days in August 2026. (Source: https://fred.stlouisfed.org/series/MEDDAYONMAR37460)
Common questions
Can I sell with liens on the property? Yes. They are settled out of the proceeds at closing. What if I think a lien is wrong? It can be disputed, but that is a legal process with its own timetable. What if the liens exceed the value? Then there is nothing left for you, and we will show you that before you spend time on it.
What we do
We buy properties with liens attached and settle them at closing, and we would rather find them at the start than a week before closing. We cannot remove a valid lien or decide that a disputed one is invalid. Challenging a lien is legal work.
How selling to us works
You tell us about the property. There is no cost and no obligation. We look at it — in person where that is useful, and we do not ask you to prepare it first. We make an offer, and we explain how we arrived at it rather than simply naming a number. If the offer works for you, you choose the closing date. If it does not, that is a perfectly good answer and we leave it there.
Tell us about the property
Send us the details and we will take a look. No cost, and no obligation to sell.
Start with the property address
No obligation · No fees · Takes about 2 minutes · Your information stays private