While the potential returns are high, Indiana tax sales carry inherent risks that require careful due diligence:

Pay attention to the "county lien items" or "status list" provided by the county, as these properties have failed to sell previously, often offering deeper discounts. 4. Crucial 2026 Tax Sale Information

Within 90 days of purchase, you must notify the owner of record and any person with a substantial property interest of public record, in accordance with Indiana Code §6‑1.1‑25. This step is critical: failure to provide proper notice can void the tax deed even after you have obtained it.

Sarah performed due diligence: No federal liens, no open bankruptcy. The house was structurally sound. She bid and won the certificate. The owner had moved to Florida and never responded. After 120 days (vacant property redemption period), Sarah filed for a tax deed. Total legal costs: $1,800. Total investment: $8,000. After $15,000 in repairs, she owns a $145,000 rental property free and clear.

The property owner has a statutory right to redeem the property by paying the delinquent taxes, interest, and costs. You may earn interest on your investment, but you will not acquire the property if the owner redeems. In a Commissioner’s sale, the redemption period is only 120 days, which can work in your favor if you want a quick deed but means you have less time to complete notice requirements.