Tax Deed Sale Checklist

What to do when your Cook County property is facing a tax deed sale - know your rights and your timeline.

  1. 1

    Understand the Tax Sale Process

    In Cook County, delinquent property taxes are sold at the Annual Tax Sale. A tax buyer purchases the tax lien - not the property itself. You retain ownership during the redemption period.

  2. 2

    Know Your Redemption Period

    Illinois law provides a redemption period (typically 2-3 years for residential property) to pay back delinquent taxes plus penalties and interest.

  3. 3

    Check Your Tax Sale Status

    Contact the Cook County Clerk's Office or search online at cookcountytreasurer.com to find your property's tax sale status and any outstanding amounts.

  4. 4

    Calculate the Redemption Amount

    The redemption amount includes: original delinquent taxes, penalties (up to 12% every 6 months), plus the tax buyer's costs. Contact the County Clerk for exact figures.

  5. 5

    Watch for the Take Notice

    When the redemption period is about to expire, the tax buyer must serve a "Take Notice" - formal legal notification. This is your final warning that a Tax Deed petition is coming.

  1. 6

    Consult a Real Estate Attorney

    Tax deed proceedings are complex. An attorney can verify proper notice was given, check for procedural defects, and explore your options.

  2. 7

    Explore Your Options: Pay, Sell, or Negotiate

    You can redeem by paying the full amount, sell the property to a cash buyer before the deed issues, or negotiate with the tax buyer.

  3. 8

    Get a Cash Offer Before the Deadline

    Cash buyers like Sell Chicago Properties can close in days. We handle tax arrears at closing, and you keep any remaining equity.

  4. 9

    Gather Your Documents

    Collect property tax bills, any correspondence from the Cook County Clerk, notices from the tax buyer, and your property deed.

  5. 10

    Act Before the Tax Deed Hearing

    Once a tax deed is issued by the court, you lose all ownership rights. The time to act is NOW - before the petition hearing date.

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