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WVBaker
05-12-2007, 02:50 PM
A question for anyone with greater insight than I.

If anyone here has attended a Tax Sale in any of the Maryland counties, perhaps you would be so kind to help me understand the following:

“All successful bidders must pay the amount of back taxes, interest and costs plus a High Bid Premium (if applicable) by 4:30 pm on the day of the sale. The high-bid premium is 20% of the amount by which the bid exceeds 40% of the property full cash value”.

Being new to this, I assumed that your bid amount due at the end of the sale consisted of the back taxes, interest and costs. That I understand. What I don’t understand is this, “High Bid Premium”.

They base this premium on a percentage of the “purchase price” and use the example of $100,000.00, which brings me to this. I thought you were bidding on the past due taxes and fees. A “purchase price”? What “purchase price”? Where does “purchase price” come into this?

So let’s imagine that, using the above information, your alleged “purchase price” is $40,000.00 and there is no “High Bid Premium”, when is this $40,000.00 due and to whom is due?

I thought you were trying to obtain control of a property for a few thousand dollars. Now it’s $40,000.00 plus any and all taxes and fees due?

Can anyone help with this?

TommyOH
05-13-2007, 11:37 AM
Maybe people are bidding that high in Maryland. Or it could be something aimed at vacant land sales. I don't know any smart investors that go much over what is owed to get the deed.

robsteel
11-21-2007, 04:30 AM
Q. What is "Bid Premium"?
A. The bid premium system was designed to curb the excessive and chaotic bidding that has occurred in several jurisdictions throughout the state. If the successful bid exceeds 40% of the full cash value of a property, the bidder will be required to pay a 20% premium on the amount by which the bid exceeds that 40%. For example if the full cash value is $150,000 and the high bid is $70,000, the buyer would pay a premium of $2,000 calculated as follows: 40% of $150,000 (full cash value) = $60,000. $70,000 (bid) minus $60,000 (40% FCV) = $10,000. 20% of $10,000 = $2,000. The bid premium will be returned without interest to the buyer if the tax sale certificate is redeemed or if foreclosure is executed within 2 years of tax sale. If the property is neither redeemed nor foreclosed, the County retains the bid premium.

Dan Auito
11-21-2007, 06:17 AM
Way to come out of the gate Rob. Thanks for the expert explanation. Much appreciated. Dan

Debbie
11-21-2007, 01:28 PM
Q. What is "Bid Premium"?
A. The bid premium system was designed to curb the excessive and chaotic bidding that has occurred in several jurisdictions throughout the state. If the successful bid exceeds 40% of the full cash value of a property, the bidder will be required to pay a 20% premium on the amount by which the bid exceeds that 40%. For example if the full cash value is $150,000 and the high bid is $70,000, the buyer would pay a premium of $2,000 calculated as follows: 40% of $150,000 (full cash value) = $60,000. $70,000 (bid) minus $60,000 (40% FCV) = $10,000. 20% of $10,000 = $2,000. The bid premium will be returned without interest to the buyer if the tax sale certificate is redeemed or if foreclosure is executed within 2 years of tax sale. If the property is neither redeemed nor foreclosed, the County retains the bid premium.

Welcome to the Magic Bullets Fambly, Rob! :praise:

robsteel
11-21-2007, 10:26 PM
Way to come out of the gate Rob. Thanks for the expert explanation. Much appreciated. Dan

Welcome to the Magic Bullets Fambly, Rob! :praise:

Thanks guys, :SM080: