Sioux Falls, Brandon, Dell Rapids, Hartford, Crooks & the surrounding area — we help local homeowners understand every option before deciding what to do.
If you own a home in Sioux Falls or anywhere in Minnehaha County that's become a burden — back taxes through the County Treasurer, a probate or inherited estate, liens, code issues, or a foreclosure — you have more than one way out. We'll walk you through all of them.
South Dakota's process has its own rules and deadlines, and the right move depends on your timeline, your situation, and your goals. We start by explaining your realistic paths in plain language, then help you choose — whether that's listing on the local market, working something out with your lender, pursuing a legal or title remedy, or selling directly to us for cash.
Tell us about the property. A no-obligation cash offer is one of the options we'll cover.
In South Dakota, unpaid property taxes don't trigger an immediate sale of your home — but the clock does start. Real property taxes in Minnehaha County are billed by the County Treasurer and become delinquent when an installment isn't paid by its due date, after which interest accrues at 10% per year (about 0.83% per month). Unlike many places, Minnehaha County does not auction your unpaid taxes off at a public tax sale — instead, the county holds the tax certificate itself. Under South Dakota law (SDCL ch. 10-25), that certificate generally must age about three years before the county can apply for a tax deed that would transfer ownership.
That gap between delinquency and a tax deed is important: it usually gives homeowners a meaningful window to act. During that time you can typically redeem the property by paying the delinquent taxes, interest, and costs — and you have options well short of losing the home. Depending on your situation and timeline, those might include setting up payment arrangements with the Treasurer, refinancing or borrowing against equity, listing the property for sale on the open market, or selling to a direct buyer who can clear the back taxes at closing.
The wrong move is to do nothing until a deadline passes. The right first step is understanding exactly where you are in the process and what each path would net you. (This is general information about South Dakota's process, not legal advice — deadlines and amounts vary by case, so confirm the specifics with the Minnehaha County Treasurer or a South Dakota attorney.) If you'd like help mapping your options on a specific Sioux Falls or Minnehaha County property, we're glad to walk through it with you — at no cost and with no obligation.
South Dakota is a judicial foreclosure state, so a lender generally has to file a lawsuit and get a court order before selling your home. Federal rules usually keep the process from starting until you're more than 120 days behind, and once it's underway the lender must publish a notice of sale and deliver a copy to you at least 21 days before the sale date.
You have real chances to stop it: paying the past-due amount (reinstating) before the court enters judgment gets the case dismissed, and reinstating after judgment but before the sale postpones it. South Dakota also gives most homeowners a one-year redemption period after the sale to buy the property back, though some "short-term redemption" mortgages cut that to 180 days, and an abandoned home can be limited to 60 days. The earlier you act, the more options you keep. (General information, not legal advice — confirm specifics with a South Dakota attorney.)
Related guides: Foreclosure · Probate & Inherited · Back Taxes · Liens & Title · As-Is / Repairs
In a hurry to sell your house fast for cash? See Sell My House Fast in Sioux Falls — we buy houses as-is, no fees, close on your timeline.
Let's talk it through. We'll give you a straight answer and a clear look at every option — no pressure, no obligation.
