Last Updated on September 9, 2025
Table of contents
During the holidays it’s tempting to “take a break” from investing. Yet many counties still run auctions in November and December. For example, one county in Washington holds its annual tax‑foreclosure sale each December. Some counties will have leftover deeds after the sale. Spending even 30‑60 minutes a day can set you up for the new year.
Why are December tax sales important?
Some states, such as Washington, schedule many tax deed sales in December. If properties don’t sell at auction, the counties may have leftover deeds available by calling the treasurer’s office. Visiting or calling during the holidays helps you find bargains that others overlook. Many investors are busy with the season, so the competition can be lower.
What is a tax lien or tax deed?
A tax lien is a certificate you buy when a homeowner fails to pay property taxes. You pay the taxes and, in return, collect the debt plus interest during the redemption period. Interest rates vary by state and range from 4% to 36%. States like Illinois offer up to 36%, while Florida offers up to 18%. If the owner doesn’t pay within the redemption period, you may foreclose and take ownership.
A tax deed allows you to purchase the property itself when the owner fails to pay taxes. Counties sell these properties “as is,” and they often come with encumbrances—judgments or liens that survive the sale. You must research each property carefully.
Holiday actions to build momentum
Taking small steps now builds momentum for the new year. Here’s an actionable holiday plan:
- Check auction calendars
Look up your state or county tax sale schedules. Many counties publish lists and calendars online.
- Call county offices
Using a directory or county websites, call the treasurer’s office to ask about leftover tax deeds or upcoming lien sales. Counties often provide information upon request
- Download property lists
Use county websites to download lists of properties for sale. Plot addresses and research assessed values; this step is explained in our detailed article on how to pick properties for tax deed sales.
- Allocate time daily
Use county websites to download lists of properties for sale. Plot addresses and research assessed values; this step is explained in our detailed article on how to pick properties for tax deed sales.
- Set a budget
Decide how much you’re willing to invest and stick to it. Overbidding can shrink returns.
- Build reference experience
Treat every call and auction as practice. It’s normal not to succeed on the first attempt; the goal is to get comfortable with the process.
Understanding redemption periods and interest rates
Different states offer different returns and redemption periods. The table below summarises typical rates and features of a few states:
| State | Max interest rate | Notes |
| Arizona | Up to 16% | Competitive online auctions |
| Florida | Up to 18% | Large online auctions |
| Maryland | Up to 20% | Regular sales with solid returns |
| Iowa | Flat 24% | Fixed rate and predictable returns |
| Illinois | Up to 36% | Highest rate but strong competition |
Interest accrues during the redemption period, which usually ranges from six months to three years. Knowing your state’s rules helps you forecast returns. For more background, see our article on partnering with us on deals where we explain why some states pay high interest while others offer quick ownership.
Why you need reference experience
Success in tax lien and deed investing doesn’t happen overnight. Many new investors expect to win a property at their first auction, then give up when they don’t. Our experience shows that it takes several auctions to build confidence. The practice of calling county offices, asking about auctions, and analysing property lists provides “reference experience.” This experience helps you learn the language of officials, understand deposit requirements, and overcome jitters.
Just like practising free poker games before playing for real money, you can use holiday time to practise with no pressure. We played Monopoly as kids; the same patience and strategy apply here. Start by calling 10 counties and asking whether they have leftover deeds or liens. Evaluate a few properties for fun. You’re not required to buy anything—just practise reviewing maps, property reports and auction rules.
Due diligence and risk management
Because tax deed properties are sold “as is” with potential encumbrances, research is essential. Here’s how to manage risk:
- Inspect properties – When possible, drive by or view images to assess condition. Avoid severely neglected or environmentally damaged properties.
- Verify liens and taxes – Some counties provide files at the clerk’s office; research these to identify other liens.
- Understand state laws – Each state has different redemption periods and procedures. Our #1 trait article emphasises patience and research.
- Budget for fees – Besides paying the delinquent taxes, you may need to pay recording fees, title searches and legal costs.
Challenge: call ten counties
Over the next week, challenge yourself to contact ten county treasurer or clerk offices and ask:
- Do you have any leftover tax deeds or tax lien certificates from recent auctions?
- What is the deposit requirement and bidding format?
- Are there any upcoming sales in the next month?
Record the information in a spreadsheet. Even if you don’t plan to bid, this exercise helps you become comfortable speaking with officials and understanding their processes.
Starting the new year with momentum
Building momentum means acting now rather than waiting for January. Spend a few minutes each day preparing, and when the new year arrives, you’ll already have leads, lists, and connections. Don’t worry about perfection—focus on taking small steps. As we like to say, the best time to start investing was years ago; the second best time is today.
Call to action
Ready to turn research into results? Explore our free resources:
Our mini-course on buying tax liens and deeds for pennies on the dollar (a $197 value, free). A free call with our team to create a custom investment plan.Use our auction calendar to find upcoming sales.
Subscribe to our newsletter for weekly updates, and visit our YouTube channel for hundreds of educational videos. If you’d like personal guidance, learn about partnering with us on deals.
