Comments on: Missouri Offers to Pay Property Taxes but Homebuyers not biting

By: Dennis Norman

Dennis Norman — Mon, 21 Nov 2011 09:16:52 +0000

Hi Richard
That depends on the county you are in, but the ones I’m familiar with will allow you to pay the oldest year of back taxes (in your case it sounds like 2009) without paying taxes due for subsequent years as long as you do so before they put it into a tax sale – you need to check with the assessor’s office for your county- here is a link that will give you contact info for Assessor’s offices throughout Missouri. You simply click on the county you need- Dennis
http://www.moassessorsassn.org/assessors.htm

By: richard

richard — Mon, 21 Nov 2011 06:11:11 +0000

I just found you online and once again thank you for the info on the taxes my wife and i have being unemployed since 09 as well until this year late and is it possible to pay for 09 taxes before the first of the year or do we have to pay the three years before the first? money is tight right now and has being any more info will great thank you.

By: Dennis Norman

Dennis Norman — Wed, 17 Aug 2011 15:56:29 +0000

Hi Rich,
The HOPE program info states the following in terms of qualifying:
Real Estate Property Tax HOPE Eligibility:
1. A household that purchases and occupies a one‐to‐four unit single family residence in the state of Missouri on or after
January 1, 2010, is eligible to apply for HOPE.
a. Also, the contract to purchase the home must be executed on or after January 1, 2010.
2. The applicant must be at least 18 years old, and may not have purchased the home from a relative or spouse, if married.
3. The household must qualify as low to moderate income as defined by MHDC.
a. See Form #705 for maximum annual income levels.

So, assuming you entered into the contract to purchase the house on or after January 1, 2010, and meet the other criteria, I would think you are OK – the link to the application is in the article so I would go ahead and submit it – you’ve got nothing to lose.
good luck

By: Rich

Rich — Tue, 16 Aug 2011 22:30:55 +0000

I bought a home in the City of St. Louis by contract for deed (closed on June 30, 2010) for my primary residence where the seller carried back the loan. The Contract for Deed was recorded and stamped at the recorder’s office. I had heard of this program but had assumed I wouldn’t qualify; but, it seems like I do qualify. I am wondering can I still file for it and does purchase by contract for deed qualify? The Contract for Deed was adequate for the IRS and the $8,000 first time homebuyer tax credit. What’s your opinion?

By: Dennis Norman

Dennis Norman — Sun, 02 Jan 2011 11:05:23 +0000

TM
Thanks for the kind note, I appreciate it and am glad the info helped you and you have given credit first and foremost to where it is truly due, our Lord and savior…
God Bless you and your family as well
Dennis

By: TM

TM — Sat, 01 Jan 2011 17:12:35 +0000

tears are rolling……..the stress of unknown have just released 20 bricks off my shoulders. What a great New Years…..I have time and hope to hold.
I am so thankful to the Lord above
and God Bless you for your time to help us all…

Thank you soooooooooooo much.

By: Dennis Norman

Dennis Norman — Fri, 31 Dec 2010 21:52:29 +0000

TM
Sorry to hear about your plight, it sounds like you have had a rough way to go…
As far as the property taxes, St Louis County will conduct a sale for unpaid taxes after 3 years have went unpaid generally…this sale gives the buyer a “tax certificate” but not ownership of the house…the buyer has to wait two years longer to get ownership…during this period you can “redeem” the property by paying the back taxes including fees, penalties and interest…Therefore it is only after 5 years of taxes go unpaid that you actually lose ownership of the house..
Having said all this I need to stress to you I am not an attorney and this is not legal advice…this is just knowledge I have gained over the years as a real estate broker and attending tax sales that I am sharing with you.
It would be a good idea for you
questions regarding the tax sale is encouraged to contact the St Louis County delinquent tax department at 314-615-4207 to discuss your matter and confirm the information I’ve given.
Good luck to you,
Dennis

By: TM

TM — Fri, 31 Dec 2010 20:13:17 +0000

Unpaid St. Louis County Real Estate Tax

New Homeowner summer 2009. Kidney failure 3 months later, unemployeed and struggling to pay bills. Disability case in action. Do not qualify for tax credit for disabled yet or new credit started for 2010.

Was unable to pay 2009. Rec. a bill for 2010 including 2009 and as of today the last day of the year, I am unable to pay 2010. I will have tax return money in 2nd week of feb and will use to get caught up.

Question? How many years unpaid real estate tax will the St. Louis County allow before stepping in to take property?

Thank you,
TM

By: Dan Nelson

Dan Nelson — Fri, 17 Sep 2010 17:48:31 +0000

This was very informative post.

By: Dennis Norman

Dennis Norman — Tue, 27 Jul 2010 20:08:32 +0000

Hi Tammy
Here is a link to some information on the program..in looking this over it is clear that if you buy a NEW home that has qualify energy efficient items or if YOU make improvements to a home within 60 days of purchase you are eligible, but it’s not clear about buying a remodeled home that had improvements…logic would say it should be eligible, but logic doesn’t always prevail when it comes to the govt
http://stlouisrealestatenews.com/hope-info-instructions.pdf

Here’s a link to the application:
http://stlouisrealestatenews.com/Form_700_rev20100421.pdf

Well, now that I have reviewed the applications to apply for the credits I’m thinking you may not qualify …there is a form (710) for new construction in which the builder has to sign and certify he built the house NEW and included energy efficient items…the other form (715) is for purchasers that bought a home then made improvements and you have to itemize what you added to the home….it sort of appears your situation is not covered although if you can find someone at the state level to ask it would be worthwhile…here is a link to all the sample forms for the program;

http://stlouisrealestatenews.com/hope-samle-forms.pdf

Good luck,
dennis

By: TAMMY

TAMMY — Tue, 27 Jul 2010 17:12:39 +0000

here is my email sorry did not leave it before

By: TAMMY

TAMMY — Tue, 27 Jul 2010 16:33:49 +0000

Hi its me again I purchased a rehabbed house how can I see if it qualifies for the additional $500 dollars acentive.

By: Dennis Norman

Dennis Norman — Tue, 08 Jun 2010 14:46:18 +0000

Tammy, sorry about that…I had a couple of bad links, everything is fixed now and I tested all the links so you should be good to go…have a good day, Dennis

By: TAMMY

TAMMY — Tue, 08 Jun 2010 14:17:18 +0000

Hi I emailed you and you responded thanks for that but now the site wont show the instructions or info on the program and I also cant pull up the sample forms help! please thanks

By: Dennis Norman

Dennis Norman — Mon, 07 Jun 2010 20:03:18 +0000

Hi Tammy
Congratulations on your home purchase! Thanks for bringing this up, the state did not have the forms prepared when I did the first two articles but they are done now…I just did an update on the article with links the the forms, instructions and samples…Good luck, Dennis