Experienced Property Redemption Attorneys in Maryland
Losing property through foreclosure, homeowner’s association (HOA) judgment lien, or a tax lien is a nightmare for any Maryland property owner. At the Stan Derwin Brown Law Office, LLC, in Largo, Maryland, we understand it.
Attorney Stan Derwin Brown has nearly 38 years of experience in real estate and property rights and knows how to protect clients’ interests. If your property is being foreclosed upon or will be sold at a Sheriff’s sale or tax deed sale, you need to act fast.
In Maryland, a property owner may redeem property sold at a tax certificate sale before a final court decree forecloses the right of redemption. Still, the right to redeem a mortgage foreclosure ends at the auction.
Exercising your rights during the redemption period will prevent the final transfer of title and will cancel the buyer’s tax certificate, fully restoring your property rights.
How Many Different Ways Can Property Be Redeemed?
Maryland law provides several ways to redeem real property and avoid losing title entirely. You must meet every strict redemption deadline to obtain a certificate of redemption.
- Tax sale redemption (tax liens): Where property is sold as a result of delinquent taxes or municipal charges, a tax lien foreclosure process will be commenced. In the case of Maryland tax sales, the owner has the right to redeem the property by paying all of the delinquent taxes, interest and allowable expenses at any time prior to the circuit court entering a final judgment foreclosing the right of redemption under Maryland Tax-Property Code.
- Equitable right of redemption: Before a foreclosure sale, the Maryland homeowner has an equitable right of redemption to redeem the property by paying off all liens and the debt in full.
- Statutory right of redemption and post-foreclosure redemption: Maryland does not have a statutory or equitable right of redemption after the sale. Before court ratification, however, the homeowner may file formal written exceptions under MD Rule 14-305 to the sale on the grounds of procedural defect, procedural unfairness or improper conduct.
- Ground rent redemption: Under Maryland law, payment of ground rent arrears and fees will cure the default and prevent ejectment. To acquire a fee simple title, the leasehold tenant will have to separately exercise their statutory right to redeem/buy out the ground rent under MD Real Property Code Ann. § 8-110.
Assess your timeline, review any formal notice of redemption, and consider potential surplus or excess proceeds if redemption is not possible.
How Stan Derwin Brown Law Office, LLC, Can Help You
Property redemption in Maryland is complex and requires a highly skilled, experienced practitioner to get it right. The court filings, fee calculations and deadlines must all be managed correctly. That’s where attorney Stan Derwin Brown steps in, providing dedicated advocacy at every stage.
- Case evaluation: Reviewing the foreclosure notices, HOA judgment liens and tax sale certificates to establish your exact redemption period and available options.
- Redemption price verification: Auditing the demanding party’s redemption amount calculation to ensure accrued interest, legal costs and any existing liens are correctly calculated and that there is no overcharge.
- Filing redemption claims: Preparing and filing all the necessary legal documentation to obtain a valid Certificate of Redemption.
- Challenging improper sales: Identifying procedural defects or the lack of proper notice to prevent the sale and protect your equity.
- Surplus proceeds recovery: Seeking full recovery of the surplus (or excess) proceeds where redemption is no longer possible.
Stan Derwin Brown has nearly 38 years of legal experience and is an accessible, no-nonsense advocate for property owners at a very sensitive time in their lives.
Property Redemption Frequently Asked Questions
Here are the straight answers on Maryland foreclosures, tax sales and redemption.
How long do I have to redeem my property after a foreclosure sale in Maryland?
After a foreclosure sale in Maryland, the equity of redemption is extinguished when the hammer falls. The homeowner cannot simply redeem the property after the sale by paying the debt. They have a very limited period (generally 30 days from the date of the court’s notice of sale) to file exceptions to the sale based on procedural defects before the court will ratify it.
What is the difference between reinstating a mortgage and exercising redemption rights?
Reinstatement involves paying the mortgage arrears, late fees, and legal costs to cure the default and return to normal monthly payments. Redemption would require full payment of the debt (the principal balance, accrued interest and redemption fees) to extinguish the lien.
How much does it cost to redeem a property after a tax sale or foreclosure?
The cost to redeem property after a foreclosure or tax sale is the official redemption amount. In a tax sale, the redemption cost includes the delinquent taxes, the statutory interest that has accrued on those taxes, and the legal redemption fees charged by the certificate holder.
In Maryland mortgage foreclosures, there is no post-auction redemption price because the equity of redemption terminates at the sale. To extinguish the lien before the auction, the pre-sale redemption price includes the full principal balance, accrued interest, fees and costs.
Contact Us Today For Property Redemption Assistance
If you’re in the midst of a foreclosure, HOA judgment lien sale, or a tax sale and you need help right away with the property redemption process, don’t wait. Call Stan Derwin Brown Law Office, LLC, at 301-686-8648 for a free initial consultation. You can also use our online form to contact an experienced Maryland real estate attorney and discuss your situation.