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--></style></head><body lang="EN-US" link="#0563C1" vlink="#954F72"><div class="WordSection1"><p class="MsoNormal"><span style="font-family:"Times New Roman","serif";color:#44546a">Had one a couple of years ago with an investor who purchased a house at a county tax sale out in the Columbia Basin where he held it for more than three years and then came to me for the closing of the sale of the property to the tenant who'd been in the house for the past 3+ years (owner real estate contract). The preliminary title commitment/local title company refused to insure the transaction as they were taking the position that there were numerous irregularities regularly occurring with tax sales by the local County Treasurer’s office and <u>would only insure title after 10 years</u>. </span></p><p class="MsoNormal"><span style="font-family:"Times New Roman","serif";color:#44546a"> </span></p><p class="MsoNormal"><span style="font-family:"Times New Roman","serif";color:#44546a">After picking up my investor client off the floor I then picked up the phone and called another title company who then immediately issued the preliminary title commitment without issue (ultimately final) and I closed the sale without issue.</span></p><p class="MsoNormal"><span style="font-family:"Times New Roman","serif";color:#44546a"> </span></p><p class="MsoNormal"><span style="font-family:"Times New Roman","serif";color:#44546a">Each title company has widely varying underwriting and it always pays to shop title companies.</span></p><p class="MsoNormal"><span style="font-family:"Times New Roman","serif";color:#44546a"> </span></p><div><p class="MsoNormal"><span style="color:#44546a"> </span></p><p class="MsoNormal"><span style="color:#44546a">Please note that effective May 15, 2015, my new address is 7 South Howard St., Suite 218, Spokane, WA 99201. All other contact information remains the same.</span></p><p class="MsoNormal" style="line-height:12.0pt"><b><span style="font-size:10.0pt;font-family:"Times New Roman","serif";color:#44546a"> </span></b></p><p class="MsoNormal" style="line-height:12.0pt"><img width="86" height="130" src="cid:image002.jpg@01D0C605.15A3B210" align="left" hspace="12"><b><span style="font-size:10.0pt;font-family:"Times New Roman","serif";color:#44546a">Robert R. Rowley</span></b><span style="font-size:10.0pt;font-family:"Times New Roman","serif";color:#44546a"> | Attorney at Law</span></p><p class="MsoNormal" style="line-height:12.0pt"><span style="font-size:10.0pt;font-family:"Times New Roman","serif";color:#44546a">7 S. Howard St, Suite 218</span></p><p class="MsoNormal" style="line-height:12.0pt"><span style="font-size:10.0pt;font-family:"Times New Roman","serif";color:#44546a">Spokane, WA 99201</span></p><p class="MsoNormal" style="line-height:12.0pt"><span style="font-size:10.0pt;font-family:"Times New Roman","serif";color:#44546a">Telephone: (509) 252-5074</span></p><p class="MsoNormal" style="line-height:12.0pt"><span style="font-size:10.0pt;font-family:"Times New Roman","serif";color:#44546a">Mobile: (509) 994-1143</span></p><p class="MsoNormal" style="line-height:12.0pt"><span style="font-size:10.0pt;font-family:"Times New Roman","serif";color:#44546a">Facsimile: (509) 928-3084</span></p><p class="MsoNormal" style="line-height:12.0pt"><span style="font-size:10.0pt;font-family:"Times New Roman","serif";color:#44546a">Email: </span><span style="color:#44546a"><a href="mailto:rob@rowleylegal.com"><span style="font-size:10.0pt;font-family:"Times New Roman","serif";color:blue">rob@rowleylegal.com</span></a></span><span style="font-size:10.0pt;font-family:"Times New Roman","serif";color:#44546a"></span></p><p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Times New Roman","serif";color:#44546a">Web Site: </span><span style="color:#44546a"><a href="http://www.rowleylegal.com/"><span style="font-size:10.0pt;font-family:"Times New Roman","serif";color:blue">www.rowleylegal.com</span></a></span><span style="font-size:10.0pt;font-family:"Times New Roman","serif";color:#44546a"></span></p><p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Times New Roman","serif";color:#44546a"> </span></p><p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Times New Roman","serif";color:#44546a">Practice concentrated on business, real estate and general legal matters in Washington and Idaho.</span></p><p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Times New Roman","serif";color:#44546a"> </span></p><p class="MsoNormal"><a href="https://www.facebook.com/rowleylegal"><span style="font-size:10.0pt;font-family:"Times New Roman","serif";color:#44546a;text-decoration:none"><img border="0" width="24" height="24" id="Picture_x0020_2" src="cid:image003.gif@01D0C604.EF9BFA50"></span></a><a href="https://www.linkedin.com/pub/rob-rowley/11/172/b20"><span style="font-size:10.0pt;font-family:"Times New Roman","serif";color:#44546a;text-decoration:none"><img border="0" width="24" height="24" id="Picture_x0020_3" src="cid:image004.gif@01D0C604.EF9BFA50"></span></a><a href="https://twitter.com/ROBERTRROWLEY"><span style="font-size:10.0pt;font-family:"Times New Roman","serif";color:#44546a;text-decoration:none"><img border="0" width="24" height="24" id="Picture_x0020_4" src="cid:image005.gif@01D0C604.EF9BFA50"></span></a><a href="http://www.yelp.com/biz/robert-r-rowley-spokane"><span style="font-size:10.0pt;font-family:"Times New Roman","serif";color:#44546a;text-decoration:none"><img border="0" width="43" height="21" id="Picture_x0020_5" src="cid:image007.jpg@01D0C605.15A3B210"></span></a><span style="font-size:10.0pt;font-family:"Times New Roman","serif";color:#44546a"></span></p><p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Times New Roman","serif";color:#44546a"> </span></p><p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Times New Roman","serif";color:#44546a">NOTICE: The contents of this message and any attachments may be protected by the attorney-client privilege, work product doctrine or other applicable protections. If you are not the intended recipient or have received this message in error, please notify the sender and promptly delete the message. Thank you for your assistance.</span></p><p class="MsoNormal" style="background:white"><span style="font-size:10.0pt;font-family:"Times New Roman","serif";color:#222222">DISCLAIMER: You should recognize that responses provided by e-mail means are akin to ordinary telephone or face-to-face conversations and do not reflect the level of factual or legal inquiry or analysis which would be applied in the case of a formal legal opinion. A formal opinion may very well reach a different conclusion.</span></p></div><p class="MsoNormal"><span style="font-family:"Times New Roman","serif";color:#44546a"> </span></p><div><div style="border:none;border-top:solid #e1e1e1 1.0pt;padding:3.0pt 0in 0in 0in"><p class="MsoNormal"><b>From:</b> <a href="mailto:wsbarp-bounces@lists.wsbarppt.com">wsbarp-bounces@lists.wsbarppt.com</a> [mailto:<a href="mailto:wsbarp-bounces@lists.wsbarppt.com">wsbarp-bounces@lists.wsbarppt.com</a>] <b>On Behalf Of </b>John McCrady<br><b>Sent:</b> Friday, July 24, 2015 9:11 AM<br><b>To:</b> WSBA Real Property Listserv<br><b>Subject:</b> Re: [WSBARP] Tax Sale</p></div></div><p class="MsoNormal"> </p><p class="MsoNormal"><span style="color:#1f497d">Property taxes are a first lien; the foreclosure will wipe out your client’s deed of trust.</span></p><p class="MsoNormal"><span style="color:#1f497d">There is no redemption from the tax sale. There are certain rights to challenge the tax sale, due to lack of notice or a claim of incapacity for instance, but they are extremely limited.</span></p><p class="MsoNormal"><span style="color:#1f497d">If your client buys at the tax sale the client will have a three year period where it will be difficult to obtain title insurance (due to the right to challenge the sale referenced above.)</span></p><p class="MsoNormal"><span style="color:#1f497d">Your client’s deed of trust probably contains a provision allowing the client to pay the delinquent taxes and add the amount paid to the balance owing. This would usually also constitute a further default on the obligation.</span></p><p class="MsoNormal"><span style="color:#1f497d">The best course may be for the client to pay the taxes and foreclose.</span></p><p class="MsoNormal"><span style="color:#1f497d"> </span></p><p class="MsoNormal"><span style="color:#1f497d">I would be interested in reading other ideas.</span></p><p class="MsoNormal"><span style="color:#1f497d"> </span></p><div><p class="MsoNormal"><span style="font-family:HelveticaNeueETW01-55Rg;color:#1f497d">John McCrady</span></p><p class="MsoNormal"><span style="font-family:HelveticaNeueETW01-55Rg;color:#1f497d">Counsel</span><span style="color:#1f497d"></span></p><p class="MsoNormal"><span style="color:#1f497d">Puget Sound Title Company</span></p><p class="MsoNormal"><span style="color:#1f497d">5350 Orchard Street West</span></p><p class="MsoNormal"><span style="color:#1f497d">University Place WA 98466</span></p><p class="MsoNormal"><span style="color:#1f497d">253-476-5721</span></p></div><p class="MsoNormal"><span style="color:#1f497d"> </span></p><div><div style="border:none;border-top:solid #e1e1e1 1.0pt;padding:3.0pt 0in 0in 0in"><p class="MsoNormal"><b>From:</b> <a href="mailto:wsbarp-bounces@lists.wsbarppt.com">wsbarp-bounces@lists.wsbarppt.com</a> [<a href="mailto:wsbarp-bounces@lists.wsbarppt.com">mailto:wsbarp-bounces@lists.wsbarppt.com</a>] <b>On Behalf Of </b>Jim Doran<br><b>Sent:</b> Friday, July 24, 2015 8:35 AM<br><b>To:</b> 'WSBA Real Property Listserv' <<a href="mailto:wsbarp@lists.wsbarppt.com">wsbarp@lists.wsbarppt.com</a>><br><b>Subject:</b> [WSBARP] Tax Sale</p></div></div><p class="MsoNormal"> </p><p class="MsoNormal"><span style="font-size:12.0pt">Listies:</span></p><p class="MsoNormal"><span style="font-size:12.0pt"> </span></p><p class="MsoNormal"><span style="font-size:12.0pt">I have dealt with HOA line foreclosure Sheriff’s Sales but never a county property tax sale.</span></p><p class="MsoNormal"><span style="font-size:12.0pt"> </span></p><p class="MsoNormal"><span style="font-size:12.0pt">Client has a Note and DOT with a balance of $15,000 +/-on it. The deadbeat is about $4,000 behind on payments and is behind $8,000 +/- on real property taxes and this October if the taxes are not paid, at least in part, there will be a tax auction.</span></p><p class="MsoNormal"><span style="font-size:12.0pt"> </span></p><p class="MsoNormal"><span style="font-size:12.0pt">If someone buys the property at the County Tax Sale (I presume conducted by the Sheriff) do they take the property subject to my clients Note and DOT? Does the deadbeat have a right of redemption for one year?</span></p><p class="MsoNormal"><span style="font-size:12.0pt"> </span></p><p class="MsoNormal"><span style="font-size:12.0pt">Can my client buy the place at the Tax Sale and get rid of the deadbeat? Since client will have to pay the property taxes anyway if he forecloses, can he use the County Tax Sale as a way to get rid of the deadbeat. If the client buys the property at the Tax Sale he takes it subject to his own Note and DOT which is fine. If the deadbeat wants to redeem the property he will have to pay my client. How can my client lose?</span></p><p class="MsoNormal"><span style="font-size:12.0pt"> </span></p><p class="MsoNormal"><span style="font-size:12.0pt">What am I missing here? (I am sure that I am missing something.)</span></p><p class="MsoNormal"><span style="font-size:12.0pt"> </span></p><p class="MsoNormal"><span style="font-size:12.0pt">James R. Doran</span></p><p class="MsoNormal"><span style="font-size:12.0pt">Attorney at Law</span></p><p class="MsoNormal"><span style="font-size:10.0pt">100 E. Pine Street – Suite 205</span></p><p class="MsoNormal"><span style="font-size:10.0pt">Bellingham, WA 98225</span></p><p class="MsoNormal"><span style="font-size:10.0pt">(360)393-9506</span></p><p class="MsoNormal"><span style="font-size:10.0pt"><a href="mailto:jim@doranlegal.com">jim@doranlegal.com</a></span></p><p class="MsoNormal"><span style="font-size:10.0pt"><a href="http://www.doranlegal.com">www.doranlegal.com</a></span></p><p class="MsoNormal"> </p></div></body></html>