Tax Redemption

The Champaign County Clerk only handles property taxes that were sold during the annual tax sale. Delinquent taxes are sold at the end of the year in which they are due. For example, property owners that do not pay their current property tax bill within the time frame provided on the bill from the County Collector (Treasurer) will be subject to additional fees and interest before being sold at the annual tax sale in October. The Clerk's Office handles the payment and processing of those delinquent taxes and fees. If you have any questions, contact the Taxes Division at propertytaxes@co.champaign.il.us or (217)384-3722.

For more information, the Illinois property tax code is outlined in state statue here.

How Much Do I Owe?

Property owners may request an Estimate of the Cost of Redemption, which is the calculation of the amount necessary to satisfy taxes that have been sold to a tax buyer and that must be redeemed (payed) to prevent the loss of the land property. 

You can find the estimate here. If you have any questions or issues, contact the Taxes Division at propertytaxes@co.champaign.il.us or (217)384-3722.

How Do I Pay?

Payments must be made in full. Partial payments are not accepted and will not redeem delinquent taxes. The Clerk's Office can only accept a certified or cashier's check, money order, or cash. Do not send cash in the mail. Be sure you make your payment to the Champaign County Clerk's Office and not the Assessor's or Treasurer's offices. Once the payment has been received, the Clerk's Office will issue a Certificate of Payment or Certificate of Deposit for Redemption, to document that the delinquent taxes were paid in full.

Payment can be in-person at our office by appointment or by mail. To make an appointment, contact the Taxes Division at propertytaxes@co.champaign.il.us or (217)384-3722.

What Happens If I Don't Pay?

A tax buyer can purchase your delinquent taxes at an annual year end auction.

Tax buyer cast bids against one another that lower rather than raise the percentage of penalty to be applied to the specific parcel's taxes being sold. No penalty bid in excess of 18% shall be accepted. The successful bidder is the one who bids the lowest percentage of interest. The tax buyer pays to the Collector the amount of taxes, special assessments, interest, and costs due as of the date of Tax Sale. The County Clerk then maintains the amount due to redeem the taxes by applying the penalty bid plus various other fees listed under "Procedure to be followed after Tax Sale." The Collector (Treasurer) is responsible for determining who may bid on properties.

Once they have purchased the delinquent taxes, they can add interest and late fees that will increase the total the property owner owes. This total has to be paid off within 3 years, otherwise ownership of the property, not the home, will go to the tax buyer. In addition, it is important to remain up-to-date on the following year(s) property taxes. If a tax buyer owns a property's delinquent taxes, they can purchase the current year taxes 10 business days after the bill is mailed if the property taxes haven't been paid for the current year yet.

 

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