About Our Database

Tax-Lien-Database.com is owned and operated by SEGUMA Financial Investments.  SEGUMA FI is an investment firm that specializes in tax lien investing.  Now you too, can have access to the exact same information we use to attain returns of over 15% annually.  Whether you are an individual looking to invest locally or a corporation needing the information to successfully invest all over the country, Tax-Lien-Database has it all. You no longer have to hunt down the state and local laws, the properties listed, or the auction dates and locations.  That is all provided for you here and is continually updated.

Tax Liens 101

We are not an educational site. We only provide you with the information needed to invest in tax liens successfully.  A brief summary of how tax liens work is as follows:

Tax Lien

A tax lien is a lien imposed on property by law to secure payment of taxes. Tax liens may be imposed for delinquent taxes owed on real property or personal property, or as a result of failure to pay income taxes or other taxes.  Many county governments sell the Tax Lien Certificates to investors so that the county may recoup the delinquent taxes. In exchange for the purchase, county governments offer the investors interest on those Tax Lien Certificates and the guarantee that those Tax Lien Certificates will be paid off within a predetermined period of time. Interest accrues on the Tax Lien Certificate over a specified course of time until the taxes are paid. A Tax Lien Certificate is a first position lien (Senior Lien) on the property. In most states, if the property owner does not redeem the Tax Lien Certificate within a specified time period the holder of the certificate can ask the county government to begin procedures to auction the property to the public. Proceeds from the auction will pay off the Tax Lien Certificate Holder. You can purchase tax liens from other users who have attended a tax lien sale here.

Note: The programs and laws vary from state to state and county to county.  This is only an example and does not explain how tax liens work in their entirety.  Please see the links below to learn more about how to invest in tax liens.

• Everybody and all corporations need to pay taxes on the property they own
• For some reason or another, sometimes those taxes are unable to be paid
• The county relies on revenues from those taxes to maintain a properly functioning society (pave roads, law enforcement, etc.)
• To cover their immediate cash needs, the county places a lien on the delinquent property and sells that lien with the promise of higher than average interest returns to investors like you
• The lien is usually eventually paid off and at that time the investor collects his original amount plus the accumulated interest
• If the lien is not paid off within the time allowed (usually 2-3 yrs), the lien holder/investor can legally acquire the property to cover their original costs and accrued interest

Tax Deed

A tax deed sale is the forced sale, conducted by a governmental agency, of real estate for nonpayment of taxes. During a tax deed sale/auction, generally a quitclaim deed is issued.  Quitclaim deeds are not the same as a warranty deed and usually a "quiet title" action must be filed in court to obtain an insurable title.  Once an insurable title is obtained, the grantee of the quitclaim deed can legally take ownership of the stated property on the deed.  You can purchase tax deeds (quitclaims) from other users who have attended a tax deed sale here.

For more information on how to get into tax lien investing, please visit the sites below as we feel they do a very good job of supplying you with the required knowledge.  Once you are ready, return here to access the information needed to successfully invest in property tax liens.

For more information, download a free eBook here!

Discussion Board

You may find the answers to your questions within our discussion board.  It is required to be a member to access, but the service is completely free with Tax-Lien-Database administrators answering questions and providing input.  If you cannot find the topic you are looking for, start a new discussion.  With the involvement of all members, our discussion board could be the best source for any question  you have regarding investing in tax liens.

Suggested Sites

• The Tax Lien Lady: Joanne Musa has been helping tax lien investors for years and is a great source of information for tax lien investors just starting out.
• Professor of Profits: A good site with several different types of educational content so you too can become a tax lien investor.
• Tax Lien Basics: A great article that briefly describes how tax liens work.
• Tax Lien Investing Guide: Provides a good descriptions of the possibilities related to tax lien investing.
• Positives and Negatives: New investors to tax liens sometimes get burned.  We strongly recommend that all investors do their homework. This article is a good start.