We buy houses in Harrison County, MS.

Harrison County is one of the few Mississippi counties split into two judicial districts, and that decides which Chancery Clerk holds your redemption file. District 1 sits in Gulfport and covers Gulfport, Long Beach, Pass Christian and Saucier. District 2 sits in Biloxi and covers Biloxi and D'Iberville. Land Redemption in Gulfport is 228-865-4036. In Biloxi it is 228-435-8220. Call the one your property sits in, because the other office does not hold the record.

Mississippi Code 27-41-59 sends unpaid land to a tax sale on the last Monday in August, and it also lets a county hold one on the first Monday in April. Ask the Chancery Clerk which date your parcel actually sold on, because the redemption clock runs from that day. What the county sells is the tax lien, not your house. A bidder pays the taxes and receives a certificate from the Chancery Clerk. You keep title, you keep the keys, and nobody who bought at that sale can enter the property or collect rent from you. Ownership only moves later, and only if nobody redeems in time.

Under Mississippi Code 27-45-3 the owner, or anyone with an interest in the land, has two years from the day of that sale to redeem. The payoff is the taxes the land sold for, the costs of the sale, five percent damages on those taxes, and interest at one and one half percent per month from the sale date, counting any fractional part of a month as a whole month. We do not print an example figure. The Chancery Clerk quotes the real one for your parcel, free.

A mortgage runs on a much shorter clock than the taxes do. Mississippi foreclosure is non-judicial, meaning a trustee sells under the power of sale in the deed of trust after published notice, with no lawsuit and no judge. Once that sale is concluded, Mississippi gives the borrower no statutory right to redeem afterward. If you are behind on both a loan and the county taxes, the loan is the more urgent of the two. Say so to whoever helps you.

Every Mississippi closing here goes through a licensed title attorney. The attorney orders the payoff from the Chancery Clerk, pays the county and any other liens out of the proceeds, clears the title, and wires you the balance. You never settle the county first. Mississippi is also a non-disclosure state, so sale prices are not public record here, and any value a website shows you was produced without them.