Navajo County tax sales, Arizona

Verified

Navajo County sells online through RealAuction, usually on the second Wednesday of February, in batches that start at 7:00 a.m. and close hourly, with final payment due by 4:00 p.m. the same day through RealAuction and all sales final. Its fees are small and published: a $5 assignment fee, a $5 investor fee and a $10 certificate of purchase issuing fee. After the auction, unsold liens become state held liens sold over the counter from March 1 to December 31, and the books close entirely from January 1 through the last business day of February. No deposit amount is stated on the county pages read, so it is marked unverified.

Selling office: Navajo County Treasurer

Next sale: No dated 2027 sale published as of November 9, 2026; the county pattern is the second Wednesday of February, which in 2027 is Wednesday, February 10, 2027. The pattern is from the Treasurer's Tax Lien FAQs: the sale is usually held on the second Wednesday of February. The 2026 sale was held February 11, 2026, commencing at 7:00 a.m. in batches, with interested bidders able to view and post bids from 8:00 a.m. on February 3, 2026 at navajo.arizonataxsale.com. The 2027 date above is pattern derived, not published.

Navajo's same day payment deadline is the tightest clock in this Arizona set; fund the RealAuction account before the second Wednesday of February.

Dates and deadlines

Next sale	No dated 2027 sale published as of November 9, 2026; the county pattern is the second Wednesday of February, which in 2027 is Wednesday, February 10, 2027
The sale	Online through RealAuction, usually on the second Wednesday of February. The 2026 sale was February 11, 2026, starting at 7:00 a.m., with batches closing at one hour intervals until noon Mountain Standard Time. In 2027 the second Wednesday is February 10; no dated 2027 sale was published as of November 9, 2026.
The list	The parcel list is published in a county newspaper approximately two weeks before the sale, and on the county website's Published Lien List. Legal descriptions are at navajocountyaz.gov/parcels.
Registration	During the February online auction, all registration is handled through the RealAuction website. Buyers who were not registered for the auction can register manually for over the counter purchases with the investor detail and W-9 forms on the Treasurer's forms page.
Bidding and the certificate	Bids compete on the interest rate under ARS 42-18114, down from the 16 percent maximum. County fees are a $5 assignment fee, a $5 investor fee and a $10 certificate of purchase issuing fee. Final payments for the auction are due by 4:00 p.m. on the sale day through RealAuction, and all sales are final.
Redemption	Partial payments for redemption are not accepted; all delinquent taxes, interest, penalties and fees must be paid in full, under ARS 42-18151 to 42-18153. Subsequent taxes may be purchased starting June 1 of the year the taxes go delinquent through December 31 of that year. Foreclosure may be initiated three years from the sale date; the Treasurer's office recommends hiring an attorney, and the judgment deed fee is $50 per parcel.
Over the counter leftovers	Tax liens are available for purchase over the counter between March 1 and December 31 each year. The books for selling certificates are closed from January 1 through the last business day of February, and no new purchases or subsequent tax payments are accepted during that time.
Format	Online only: RealAuction, at navajo.arizonataxsale.com
Selling office	Navajo County Treasurer

Sources: Navajo County Treasurer, February Lien Sale Instructions. Navajo County Treasurer, Tax Lien FAQs. Navajo County tax lien sale, RealAuction. Confirm with the selling office before relying on any date on this page: sales move, terms change, and parcels are pulled up to sale day.

Research Navajo County parcels before you bid

A sale list gives you the parcels, the date, and the opening terms. It does not give you the owner, the value, or the rest of the picture: liens, foreclosure status, and parcel history. PropertyRadar is the data platform for that layer. It carries owner records, assessed and market values, foreclosure and tax data, and property history for parcels across Navajo County, searchable by address, owner, or county, including parcels that never reach a sale list.

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How Arizona tax lien sales work

Unpaid taxes become a lien, and the lien is what sells. Property taxes in Arizona are a lien on the property, and when they stay unpaid the county treasurer prepares the delinquent list (by December 31 under ARS 42-18106), advertises it, and sells the tax lien at the annual sale under Title 42, Chapter 18. What the buyer receives is a certificate of purchase: a lien position against the property, not the property, not a deed, and no right to enter or use it.
The sale runs every February, mostly online. The treasurer of each county holds the annual sale in February. Most Arizona counties now sell through an online vendor the treasurer names on its tax lien sale page; registration and a funded account come before bidding, and each county sets its own registration deadline and deposit rule on top of the statute.
Bidding is the interest rate, and it goes down. Buyers bid the annual interest rate the lien will earn, starting at the 16 percent per annum maximum in ARS 42-18053 and bidding down under ARS 42-18114; the lowest rate wins. The winner pays the treasurer the full amount of delinquent taxes, interest, penalties and fees for the parcel on the day of sale. Competition, not the county, sets the rate a lien actually carries.
Redemption is the normal exit, and it runs through the treasurer. The owner, or another party in interest, may redeem at any time before a court enters judgment foreclosing the lien, by paying the treasurer the certificate amount plus interest at the bid rate, plus any subsequent taxes the holder paid and the statutory fees. The treasurer then pays the holder. Most certificates are redeemed; the interest, not the property, is the usual return.
The deed is a court case that cannot start for 3 years. If the lien is still unredeemed 3 years after the sale, the certificate holder may bring a foreclosure action in superior court under ARS 42-18201. Only a final judgment in that action bars the owner's right to redeem and directs the treasurer to issue a treasurer's deed. Liens nobody buys at the sale are struck off to the state, and the state held liens can later be bought by assignment from the treasurer.

How bidding works in Navajo County

Register through RealAuction at navajo.arizonataxsale.com for the February auction; RealAuction customer service is 877-361-7325. For over the counter purchases after the auction, a buyer who is not already registered can register manually at the Treasurer's office with the investor detail and W-9 forms.

The rate is the price. A lien bid at 16 percent and redeemed in year two is a different asset from the same lien bid at 4 percent and redeemed in month three. Arizona returns are set in the bid room, before any property question is reached, so model the rate and the likely redemption window first.
The certificate is not the property. No possession, no rents, no right to enter, and no deed for at least 3 years, and then only through a court foreclosure. Buyers who need the property itself should be reading the deed state pages, not this one.

Terms: what a bid actually costs

Deposit, Navajo County	No deposit amount is stated on the Treasurer's sale instructions or FAQs read, and none is claimed here.
Payment, Navajo County	Final auction payments are due no later than 4:00 p.m. on the sale day, through RealAuction, and all sales are final; for the 2026 sale that deadline was 4:00 p.m. on February 11, 2026. Over the counter payment is due upon sale, and the only accepted forms for tax liens are certified funds, cash, cashier's check or money order.
What is sold	A certificate of purchase: a lien on the property for the delinquent taxes, penalties, interest and fees. Not the property, not a deed, and no right of possession. A deed exists only at the end of a foreclosure action, years later, if the owner never redeems.
The bid	An annual interest rate, bid down from the statutory maximum of 16 percent. The lowest rate wins the lien. The buyer pays the full certificate amount at the sale and earns the bid rate on the amount while the lien is outstanding.
Redemption	At any time before a foreclosure judgment, through the county treasurer, by paying the certificate amount plus interest at the bid rate, subsequent taxes the holder paid, and statutory fees. The state frame is Title 42, Chapter 18; the county page carries the treasurer's own redemption instructions.
Foreclosure	Available to the certificate holder once the lien has been outstanding 3 years from the sale date, by action in superior court under ARS 42-18201, and not later than 10 years after the last day of the month in which the lien was acquired. Judgment bars redemption and directs the treasurer to issue a treasurer's deed. Before that judgment, the holder owns a claim, not a property.
Lien life	A certificate does not last forever. Under ARS 42-18127, if the lien is not redeemed and no foreclosure action is commenced within 10 years after the last day of the month in which the certificate was acquired, the certificate expires and the lien is void. The treasurer must notify the holder before the deadline, but the deadline runs whether the holder acts or not.
Costs on top of the certificate amount	The sale day payment covers the delinquent taxes, accrued interest, penalties and fees in the certificate amount. A holder who later pays subsequent delinquent taxes on the parcel adds them to the lien position under ARS 42-18121, at the certificate rate; a foreclosure, if it comes, carries court and notice costs the redemption math must also cover.

Unsold liens: over the counter, March 1 to December 31

Unsold liens become state held liens after the auction and are sold over the counter from March 1 to December 31 each year, under the assignment mechanism in ARS 42-18122. Nothing is sold in January or February: the books close from January 1 through the last business day of February for the new sale.

Before you bid

Know the redemption window before the rate. Interest accrues at the bid rate from the sale, and the owner can cut it off at any time by redeeming. A lien priced for a 3 year hold that redeems in 90 days pays a quarter of the model; run the short case first.
Read the treasurer's current terms, not a recap. Vendors, registration deadlines and deposit rules change between sales, and county pages are rewritten each season. Re-read them on the treasurer's page before funding a deposit.
Subsequent taxes are part of the position. A holder can pay later delinquent taxes on the parcel and add them to the lien. Budget for carrying the position, not just buying it.
Set the maximum before the sale opens. The free Max-Bid Calculator below works backwards from your exit value to the highest certificate amount you can carry, with the costs shown.

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New York tax sales · Florida tax deed sales · Texas tax sales · Pennsylvania tax sales · Georgia tax sales · North Carolina tax foreclosure sales · Ohio tax foreclosure sales · Illinois tax lien sales · Michigan tax foreclosure sales · California tax defaulted property sales