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Ohio tax lien and tax deed guide
Ohio authorizes tax-certificate sales as well as foreclosure property sales. Publicly sold and negotiated certificates require their actual certificate terms and statutory route.
Source review applies to the named instrument and scope in the worked example below. It does not cover every county procedure or transaction in Ohio.
When does the clock start?
For the supported §5721.32 public-auction certificate, interest starts at purchase and advances on calendar-month boundaries. Negotiated purchases and money advanced to request foreclosure are separate, excluded models.
How and when is a return earned?
Simple monthly accrual on each following first day; 6% minimum except zero bids
What amount earns a return?
Documented statutory certificate purchase price including eligible certificate fee
What happens at redemption?
Redemption can continue until the applicable confirmation, alternative redemption deadline, or transfer decree.
When does earning end?
A foreclosure filing does not itself mean the purchaser owns the parcel.
Does property use change the rules?
Classification sources checked 2026-09-15. Review applies to the procedures described below; calculator support is stated separately.
Agricultural classification changes access to the abandoned-land foreclosure route. Under §323.65, agricultural land means land on the statutory agricultural tax list, and the relevant list timing is two years after the auditor’s delinquent-list certification; nonagricultural land does not have that additional two-year condition.
Unoccupied land has a statutory test. If the treasurer invokes the alternative redemption route for qualifying abandoned land, the period is 28 days after the foreclosure adjudication is journalized. This is a foreclosure procedure, not a different certificate interest rate.
What to verify before bidding
Obtain the agricultural tax-list record, delinquent-list certification, occupancy and business-use evidence, petition and journalized foreclosure order.
What this calculator covers
The example covers public-auction certificates before a foreclosure request. It does not classify abandoned land or compute the alternative foreclosure deadline.
Try the rules
A worked redemption example
Ohio public-auction certificate. §5721.32 auction certificate before foreclosure request; original certificate only. Negotiated sales and post-request amounts excluded.
Documented statutory certificate purchase price including eligible certificate fee
The prefilled amounts and any collector conventions below are illustrative assumptions. Confirm those facts for an actual holding.
How the return grows
Interest over time.
§5721.32 auction certificate before foreclosure request; original certificate only. Negotiated sales and post-request amounts excluded.
View values at each change
| Date | Interest and premium |
|---|---|
| Jan 15, 2026 | $60.00 |
| Aug 1, 2026 | $70.00 |
| Sep 1, 2026 | $80.00 |
| Oct 1, 2026 | $90.00 |
| Nov 1, 2026 | $100.00 |
| Dec 1, 2026 | $110.00 |
| Jan 1, 2027 | $120.00 |
| Jan 15, 2027 | $120.00 |
Simple monthly accrual on each following first day; 6% minimum except zero bids Values use the inputs above and the same calculator as the worked example.
- Interest
- $30.00
- Minimum top-up at redemption
- $30.00
- Redemption premium
- $0.00
- Statutory interest and premium at redemption
- $60.00
Estimated repayment including the documented base: $1,060.00.
- §5721.32 auction certificate before foreclosure request; original certificate only. Negotiated sales and post-request amounts excluded.
- Amounts describe this scoped investor entitlement estimate, not received cash or a complete owner payoff.
Illustrative statutory components only, not investment profit. Nonrefundable overbids and fees can produce a loss even when interest is earned. Cash receipts, property value, sale proceeds and booked income are separate.
Before you bid
What to watch for
- Do not apply the post-request interest rule to the original balance for the entire holding period.
- Calculator scope: §5721.32 auction certificate before foreclosure request; original certificate only. Negotiated sales and post-request amounts excluded.
Read the rules
Official sources
Use the governing law and the county’s sale terms to confirm the rules for your certificate or deed.
Keep reading
Related guides
Compare nearby states, then return to the full library or the product page that matches this instrument.