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The person who purchased the lien will receive a legal document referred to as a "tax certificate" which must be recorded with the Middlesex County Clerk. The certificate must be held for 2 years from the date of sale. After 2 years they may start to foreclose on the property. The homeowner has the right to redeem the tax sale certificate (PDF) any time prior to the final judgment being filed.
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Tax bills are mailed in July. Each bill contains 4 perforated stubs for the 3rd and 4th quarter of the current year, and the 1st and 2nd quarters of the next year. Original bills are mailed to those who pay their own taxes, and to banks and mortgage companies.
Property owners who pay their taxes through their mortgage company receive an advice copy of the tax bill. This advice copy can be used to make tax payments if a mortgage has been paid off by the property owner. Please read both the front and the back of the bill.
The total tax levy to be collected is the sum of the local budget and the budgets of the school board and county board. This figure is divided by the total assessments in the township to produce the tax rate. That tax rate is then applied to individual assessments.
The 1st half of your tax bill is estimated, and equal to half of the total prior year taxes. It is estimated because the rate cannot be computed until all budgets have been approved; budget approval occurs in June. The 2nd half tax bill is computed by applying the new tax rate to the current year assessment, then deducting the amount billed in the 1st half.
Complete the Address Change Form (PDF) and return it to the Tax Collection Department.
If you have paid off your mortgage and will now make tax payments to the Borough directly:
NJSA 54:4-64 states that failure to receive a bill does not invalidate the tax due; it is the property owner’s responsibility to ascertain from the proper official (Tax Collector) the amount due. If you have recently purchased the property, or lost your bill, you should call the Tax office to obtain the amount due and request a copy of the bill.
Delinquent prior year taxes, utility charges, and other Borough charges will be sold to the highest bidder in the form of liens. The borough holds an annual tax sale for those properties delinquent for the prior year. The state requires that any property listed for tax sale be publicly published and posted in the borough. The costs of publication and sale are added to the amount to be sold.
Upon the sale of these liens, the purchasers (Lien Holders) may pay current year delinquencies and add those balances to the lien. Lien holders must wait 2 years before they can begin to foreclose a property. The property owner may redeem the lien at any time prior to foreclosure, through the Office of the Tax Collector.
Find more information about Tax Sales (PDF).
You must request (PDF) in writing to the Collector a statement of redemption. At no time should you approach the lien holder. The request must include the date that you anticipate making payment and a statement of your legal interest in the property. The Collector will provide you with a payoff figure that is computed to the date of the Borough's next Council meeting. You may be required to provide proof of identity. New Jersey Tax Sale Law only allows "interested parties" the right to redeem.
The only forms of payment are cash, certified check or money order. The Collector will notify the lien holder that payment has been received and request the lien certificate from the lien holder. This certificate will be forwarded to you and you will then have the lien removed at the county.
Find information about the programs available to reduce taxes:
Use this information to correctly fill out your check:
Tax and utility payments may be paid by mail or in person. When paying by mail, please send a check with the appropriate payment stub. The cancelled check will be the receipt. If paying in person and would like a receipt, please bring your check and the entire bill.
You can also pay by drop box, payments can be placed anytime in the drop box at Borough Hall. Payments must be in a sealed envelope - no cash! Payments will be posted the next business day.
A lien will be sold against the property if there are any unpaid utility bills owed from the previous year, this may also include other municipal charges.
Who buys these liens? Usually people who are looking to invest money. The interest rate starts at 18%. However, if there is more than one person interested in the same parcel, they will start bidding down the interest rate. Once the bidders bid down to 0%, it will go into a premium starting at multiples of $100.
The interest rate is 8% for balances of $1,500 or less and 18% for balances in excess of $1,500. This will be charged back to the original due date. Year End Penalty of 6% on properties that owe more than $10,000, including principal, interest and water / sewer combined.
An "Advice Copy" of your bill will be mailed, if your mortgage company pays your taxes. If an original copy of the tax bill received, forward a copy to your mortgage company.
It is in the best interest to you, your mortgage holder and the new buyer that you have your current tax bill on hand at closing. Whether this is a refinance or sale, the new owner or your mortgage company will need to know the next quarterly amount of tax due.
On or before March 1, taxpayers who receive certain tax deductions must file an annual post tax year statement certifying their income for the prior year.
Learn more about senior and veteran tax deductions.
A lien will be sold against the property if there are any unpaid taxes owed from the previous year, this may also include any water, sewer and electric charges or any other municipal charges.
Learn more about tax sales (PDF).
Usually people who are looking to invest money. The interest rate starts at 18%. However, if there is more than one person interested in the same parcel, they will start bidding down the interest rate. Once the bidders bid down to 0%, it will go into a premium starting at multiples of $100.
The person who purchased the lien will receive a legal document referred to as a "tax certificate" which must be recorded with the Middlesex County Clerk. The certificate must be held for 2 years from the date of sale. After 2 years they may start to foreclose on the property. The homeowner has the right to redeem the tax sale certificate any time prior to the final judgment being filed.