Last Updated on September 17, 2025
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Cheap over-the-counter tax deeds are one of the easiest ways to start investing in real estate. You do not need a bank loan or to compete in a fast bidding war. This kind of sale lets you buy property that did not sell at the regular tax deed auction. Most counties will sell the property for the amount of unpaid taxes plus interest. That means you can get a piece of land or even a small house for a few hundred or a few thousand dollars.
What Makes Cheap Over-the-Counter Tax Deeds Special?
- Unsold properties. Counties auction properties to recover taxes. If nobody bids, the property becomes a cheap over-the-counter tax deed that can be bought directly after the sale.
- No competition. You avoid bidding wars and pay only the back taxes and any interest. States like Florida and Arkansas often have many of these leftovers.
- You get the property. Unlike tax lien certificates, which only pay interest, a cheap over-the-counter tax deed gives you ownership of the land or building.
Steps to Find and Buy Cheap Over-the-Counter Tax Deeds
- Pick your area.
Choose deed states such as Florida or Arkansas and note the auction dates.
- Get the list.
After an auction, call or visit the county tax office and ask for the over‑the‑counter or county‑held property list. Counties may use different terms. Ask about payment methods and deadlines.
- Check each property.
Use parcel numbers to look at maps and satellite images. Check county records for other liens or title problems. Look at recent photos or use Google Street View to make sure the property is still standing.
- Pay the county.
Follow the county’s rules for submitting bids and payments. Some counties let you buy right away; others, like Mohave County, review mailed bids and issue a deed after board approval.
- Decide what to do next.
Keep the property, rent it or resell it. Some investors resell the property for more.
Quick Steps and Risks
| Step | Action | Reason |
| Choose location | Focus on deed states with many auctions | More auctions mean more chances to find cheap over-the-counter tax deeds |
| Record dates | Note the auction and OTC sale dates | Helps you call the county right after sales |
| Get the list | Ask for county‑held or over‑the‑counter lists | Shows unsold properties |
| Check property | Look at maps and records | Avoid thin strips of land or damaged houses |
| Follow payment rules | Use a cashier’s check if required | Ensures your purchase goes through |
| Check risks | Look for hidden liens or damage | Protects you from costly surprises |
Tips for Success with Cheap Over-the-Counter Tax Deeds
- Start small. Cheap over-the-counter tax deeds can cost a few hundred dollars, making them an accessible option for those looking to invest. It’s a good idea to start with a small budget at first. This way, you can get to know the details of the process without taking on too much financial risk.
- Don’t expect a house every time. Some deals involve empty lots or pieces of land, which can offer special chances for investors. If the original owner can pay their taxes, they keep their house. In this case, you earn interest on your investment, giving you a steady return. This setup helps you make money while also helping property owners take care of their homes.
- Check other liens. Look at how much unpaid tax there is compared to how much the property is worth. If the taxes are much higher than the property’s value, it might mean there are other debts or money problems related to it. This could be a warning sign to do more checking to understand any possible financial issues with this property.
- Know local rules. Every county runs its over-the-counter sales differently, and each one has its own specific rules and procedures. It is very important to read the instructions carefully before you place your bid. Understanding these guidelines will help you know what to expect and ensure that you complete the process correctly. Take your time to look over all the information so that you can make the best decisions.
Frequently Asked Questions
It is a property that did not sell at a tax deed auction. The county sells it directly to cover the unpaid taxes and interest. Some counties accept sealed bids.
Most county tax collector websites list county‑held properties. You can also call the county and ask for the over‑the‑counter or land available list.
You can start with a few hundred dollars. Filter the list by minimum bid to match your budget.
These properties are unsold for a reason. They might have title issues, other liens or be in poor condition. Always research before you buy.
Conclusion
Buying property through cheap over-the-counter tax deeds is a proven way to get real estate at a low price. The process is simple: build an auction calendar, contact the county to get the list of properties that did not sell, and check each property carefully before you buy it. While cheap over-the-counter tax deed sales let you own land or buildings without a mortgage, they also come with risks such as hidden liens, title problems and neglected property conditions. By following the steps above and learning from experienced investors, you can turn these overlooked properties into profits.
