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 Redemption 


 Frequently Asked Questions
 


    1. What happens if I fail to pay my property taxes on time?  
    2. What happens if I fail to pay my defaulted taxes?  
    3. What is the amount required to redeem tax-defaulted property?  
    4. How do I obtain an estimate of the amount required to redeem my property?  
    5. Can I redeem one defaulted year separately from other years?  
    6. What happens if I cannot pay the full redemption amount?  
    7. How do I start a payment plan of redemption?  
    8. When may I start a payment plan?  
    9. How often will I be required to make payments on the payment plan?  
    10. Do my payment plan payments cover my current annual taxes?  
    11. If my first payment plan defaults, may I start a second plan?     
    12. If I'm in foreclosure, who is responsible for the tax bill?   

 
 

 1) What happens if I fail to pay my property taxes on time?
If you do not pay the first installment of your annual tax bill at the Tax Collector's Office by 5 p.m. on December 10 (if it falls on a weekend or holiday, taxes are not delinquent until 5 p.m. the next business day.), or payment is not postmarked by that time and date, then that installment becomes delinquent, and a 10% delinquent penalty is incurred. If you fail to pay the second installment at the Tax Collector's Office by 5 p.m. on April 10 (if it falls on a weekend or holiday, taxes are not delinquent until 5 p.m. the next business day.), or payment is not postmarked by that time and date, it becomes delinquent, and a 10% penalty on the unpaid taxes as well as an administrative charge of $10 are added. Likewise, if you fail to pay any supplemental tax bill installment by the applicable delinquency date, the same penalties and charges accrue as for delinquent annual taxes.
 


If there are ANY unpaid taxes as of 5 p.m. on June 30, then the property becomes tax defaulted. (If June 30 falls on a weekend or holiday, taxes must be paid by 5 p.m. of the next business day.) Once the property has become tax defaulted, a State redemption fee of $15 is added and interest begins to accrue at the rate of 1 1/2% per month of the unpaid base amount of taxes. This monthly interest is added on the first day of each month (or the following business day if the first day of the month falls on a weekend or holiday). 

 

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 2) What happens if I fail to pay my defaulted taxes?
Your taxes can remain unpaid for a maximum of five years following their tax default, at which time your property becomes subject to the power of sale. This means that your property will be sold at a public auction or acquired by a public agency if you do not pay the taxes before the date on which the property is offered for sale or acquisition.


 3) What is the amount required to redeem tax-defaulted property?
The amount needed to redeem tax-defaulted property in full is the sum of the following:

The total amount of unpaid taxes for all delinquent years.
A 10% penalty on every unpaid installment.
A $10 cost for each unpaid 2nd installment.
Monthly interest of 1 1/2% of the unpaid taxes as of the accrued date.
A $15 State Redemption Fee.

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 4) How do I obtain an estimate of the amount required to redeem my property?
To obtain an estimate of the amount required to redeem your property, you should contact the office of the Tax Collector by calling (209) 468-2133.


When making your request, you will need to provide the Fee Parcel, which you can find on your tax bill, or the address of the property. Also, be sure to specify the date on which you wish to redeem so that the penalty can be calculated properly.


 5) Can I redeem one defaulted year separately from other years?
No, one year's defaulted taxes may not be redeemed separately from other years' defaulted taxes. When the redemption amount is calculated, the total taxes owed for all defaulted years are combined together.


 6) What happens if I cannot pay the full redemption amount?
If you are unable to pay the full redemption amount (i.e., unpaid taxes for all defaulted years plus penalties and charges), you may start a payment plan of redemption. This plan allows you to make payments on your defaulted taxes over a five-year period beginning the date you make the first payment on the payment plan.

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 7) How do I start payment plan of redemption?
To start a payment plan, you must:


  • Make an initial payment of at least 20% of the redemption amount; and
  • Pay your current year's taxes.

If you start a payment plan between July 1 and the following April 10, the current year's taxes and any supplemental taxes must be paid by April 10 or the payment plan will default. To start a payment plan between April 11 and June 30, the current year's taxes (plus any penalties and charges) must first be paid in full.


 8) When may I start a payment plan?
You can start a payment plan after the date on which the property has become tax defaulted (June 30) and within five years of that date.  On the fifth year, your property becomes subject to the power of sale.

If you wish detailed information about a payment plan of redemption, contact the Tax Collector's Office at (209) 468-2133.

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 9) How often will I be required to make payments on the payment plan?
Under the payment plan you are required to make one payment each year for five years, in addition to paying each year's annual taxes. By each April 10 you must make one payment of 20% or more of the redemption amount, PLUS interest, which accrues at the rate of 1 1/2% per month on the unpaid balance once the account has been started. If you fail to make the payment or fail to pay your current year's taxes or any supplemental taxes on or before April 10 of each year, then your payment plan will default.


You can, however, pay the total unpaid balance plus accrued interest any time before the fifth and final payment is due.


 10) Do my payment plan payments cover my current annual taxes?
No. Your installment payments NEVER include your current year's taxes, which must be paid separately.

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 11) If my first payment plan defaults, may I start a second plan?
If your first payment plan defaults either because of your failure to make at least one payment between July 1 and April 10, or because of your failure to pay your current year's taxes in full by April 10, you may start another payment plan. However, the second payment plan may not be started until July 1 of the following fiscal year. You may NEVER restart a payment plan in the same calendar year that the property becomes subject to the power of sale.


If you default a second time, you may start a third payment plan.  If you default a third time, you may start a fourth payment plan.  If you default a fourth time, you may start a fifth payment plan. No further payment plans can start if the payment plan defaults for the fifth time.  Your property will then become subject to the power of sale the following June 30. In that case, your property will be sold at a public auction or acquired by a public agency if you do not pay the full redemption amount before the date on which the property is offered for sale or acquisition.


Each time you start a payment plan, you have five years to pay the full redemption amount. However, it is to your advantage not to default on a payment plan, since there is an additional penalty. When a second or third payment plan is started, the redemption amount is computed as though no previous payments had been made. This means you will be charged the 1 1/2% monthly penalty on the unpaid taxes as though none of those taxes had been paid. However, as soon as the first payment on the second or third payment plan has been made, you will be given credit for any previous payments.

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 12) If I'm in foreclosure, who is responsible for the tax bill?
The taxpayer is responsible for the property tax bills.  However, unpaid real estate property taxes remain with the property.

 

 

 

 





Office of the Treasurer-Tax Collector

44 North San Joaquin Street
First Floor Suite 150
Stockton, CA 95202
Phone: (209) 468-2133
Fax: (209) 468-2158
 

Mailing Address

P.O. Box 2169
Stockton, CA 95201-2169