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Larimer County tax sales, Colorado
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Larimer County is the in person exception in this Colorado set: the 2026 sale is held in a fairgrounds building in Loveland, registration opens at 7:30 a.m. on the morning of the sale, bidders must sit in an assigned room and keep the same seat, and purchases are paid in full by personal or business check before leaving the premises. The Treasurer's sale page and an October 30, 2026 county announcement both publish the date, the 13 percent rate for 2026, and the scale of the sale: 2,162 real property accounts with delinquent taxes totaling nearly $7,428,837 in unpaid taxes. No deposit is taken, because payment is made in full on the day; the county publishes no advance registration and no online bidding route.
Selling office: Larimer County Treasurer and Public Trustee Irene Josey
Next sale: Thursday, November 19, 2026, 2026 Annual Tax Lien Sale, in person in Loveland; upcoming as of November 9, 2026. The Treasurer's sale page and the county announcement published October 30, 2026 both state the 2026 Tax Lien Sale will be held on November 19, 2026 in the Thomas McKee 4-H Community Building at the Larimer County Fairgrounds at the Ranch, 5280 Arena Circle, Loveland, Colorado. Doors open for registration at 7:30 a.m. and premium bidding begins at 8:30 a.m. (the announcement gives the sale time as 8:00 a.m.; the Treasurer's sale page gives 8:30 a.m. for the start of premium bidding, and the sale page governs). This year there are 2,162 real property accounts with delinquent taxes, totaling nearly $7,428,837 in unpaid taxes, per the county announcement.
Larimer is the one in person sale in this set, and it is a large one: 2,162 delinquent real property accounts and nearly $7,428,837 in unpaid taxes for 2026, per the county announcement of October 30, 2026. Treasurer and Public Trustee: Irene Josey, 200 West Oak Street, Suite 2100, Fort Collins, CO 80521, phone (970) 498-7020.
Dates and deadlines
| Next sale | Thursday, November 19, 2026, 2026 Annual Tax Lien Sale, in person in Loveland; upcoming as of November 9, 2026 |
| The sale | The annual sale is held in person to collect unpaid taxes. The 2026 sale is on November 19, 2026 in the Thomas McKee 4-H Community Building, Larimer County Fairgrounds at the Ranch, 5280 Arena Circle, Loveland. Registration opens at 7:30 a.m. and premium bidding begins at 8:30 a.m. No tax lien may be sold to an elected or appointed county official, a county employee, or a member of their immediate family, under CRS 39-11-151(1)(b), and participants must be of legal age (18). |
| The list | Beginning the first week of October, a list of advertised properties is available to download from the Treasurer's website as an Excel document, updated nightly through the sale, per the Treasurer's sale page. Taxes not paid by September 30 are advertised as delinquent, with advertising running for three consecutive weeks during October and a $10.00 advertising fee added, per the Treasurer's delinquent payment page and CRS 39-11-102. |
| Registration | Registration is completed on the day of the event, beginning at 7:30 a.m. A W-9 must be completed at registration, or already be on file from a previous year, because the Treasurer issues 1099-INT forms to investors. After check-in each bidder is assigned one bidder number. Agents for individual investors are not allowed. Updated forms may be mailed in advance, and changes must be received no later than two days before the sale. |
| Bidding and the certificate | Bidding proceeds in seating order from a randomly chosen first bidder number, and bidders must keep the same seat for the duration of the sale. For items under $200 the bidder may pass without losing a turn; for items over $200 the bidder must accept or lose the turn. Premium bids, bids in excess of the property tax, are accepted only on parcels above a threshold set by the Treasurer: for the 2025 sale premium bidding applied to amounts of $5,000 or more, the starting premium bid was $50 with minimum raises of $50, and premium items were sold at the beginning of the sale. The premium earns no interest and is not refunded on redemption, under CRS 39-11-115(1). The buyer receives a certificate of purchase, a lien, not the property; certificates are recorded electronically with the Clerk and Recorder within two weeks, and a safekeeping receipt and report are mailed in about 7 to 10 business days. |
| Redemption | The owner or another interested party may redeem at any time before a treasurer's deed is issued, paying the certificate amount plus interest at the 2026 rate of 13 percent under CRS 39-12-103, plus statutory fees; premium bids are not included in redemption. The certificate holder may endorse subsequent taxes onto the certificate under CRS 39-11-119, earning the same rate; the Treasurer mails subtax quotes at the end of July and accepts subtax payments from the first business day in August through the last business day of October. Three years following the date of the sale, the holder may apply for a treasurer's deed under CRS Article 11.5: the Larimer application fee is $1,000, the process takes approximately five to six months, deed auctions are held online on GovEase, and a treasurer's deed is an unmarketable title for seven years, per the Treasurer's deed page. Tax sale certificates are automatically canceled after fifteen years under CRS 39-11-148. |
| Unsold liens | Under the Colorado frame, liens that draw no bid are struck off to the county and county held certificates are later available by assignment from the treasurer on county terms. The Treasurer's pages read publish an assignment process for liens held by investors, not a county held list: assignments start in January following the sale, by appointment, with a $52.00 fee to process each assignment. Whether struck off county held certificates are offered, and on what terms, was not published on the pages read. |
| Format | In person only: In person at the Thomas McKee 4-H Community Building, Larimer County Fairgrounds at the Ranch, 5280 Arena Circle, Loveland, Colorado; no online auction platform |
| Selling office | Larimer County Treasurer and Public Trustee Irene Josey |
Sources: Larimer County Treasurer, Tax Lien Sale. Larimer County, Treasurer's annual tax lien sale announcement, October 30, 2026. Larimer County Treasurer, Endorsement of Tax Liens. Larimer County Treasurer, Treasurer's Deed. Larimer County Treasurer, Delinquent Property Tax Payments. 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 Larimer 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 Larimer County, searchable by address, owner, or county, including parcels that never reach a sale list.
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How Colorado tax lien sales work
- Unpaid taxes become a lien, and the lien is what sells. Property taxes in Colorado are a lien on the property, and delinquent interest accrues at 1 percent per month under CRS 39-10-104.5. When taxes stay unpaid, the county treasurer publishes the delinquent list once a week for three weeks (39-11-102) and sells the tax lien at the annual sale under Title 39, Article 11. 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 fall, and the statute sets the outer date. The sale must begin no later than the second Monday in December (39-11-109), and each treasurer fixes the day. Counties in this set sell from late October into December, most of them in November. Most of the large counties sell online through a vendor the treasurer names; some still sell in person, and the county page says which.
- Bidding is a premium, and the premium is spent money. Under 39-11-115(1) the lien goes to the person who pays the taxes, delinquent interest and fees and bids the largest amount on top of that sum. The excess, the premium, is credited to the county general fund. It earns no interest, and it is not returned if the owner redeems. Competition in Colorado raises the price of the lien without raising its return by a cent.
- The rate is fixed by statute, and redemption is the normal exit. The certificate earns the redemption rate in 39-12-103: nine percentage points above the federal discount rate as of September 1, rounded to the nearest whole percent. For the 2026 sale that rate is 13 percent. The owner, or another interested party, may redeem at any time before a treasurer's deed is issued, and the holder may pay later delinquent taxes and endorse them onto the certificate at the same rate. Most certificates end in redemption.
- The deed runs through a public auction now. Colorado used to hand the treasurer's deed to the certificate holder on application after three years. That ended July 1, 2024 under HB 24-1056, and SB 26-144 reenacted the replacement process as Article 11.5 effective June 1, 2026. After August 1 of the third calendar year following the sale, the lawful holder applies, and the treasurer auctions a certificate of option for treasurer's deed: the opening bid covers what is owed to the holder plus treasurer fees and costs, any overbid belongs to the former owner, and if no qualifying bid is made and paid, the lawful holder is deemed the option purchaser and the deed issues to that purchaser. Liens nobody buys are struck off to the county and can later be bought by assignment.
How bidding works in Larimer County
Registration is in person on the day of the sale, opening at 7:30 a.m. on November 19, 2026 at the Thomas McKee 4-H Community Building in Loveland. Bring a completed W-9, or have one on file from a previous year, plus the Declaration of Statutory Compliance and, optionally, an ACH Authorization for faster redemption payments. One bidder number is assigned per person, and agents for individual investors are not allowed. Forms may also be mailed to Larimer County Treasurer, Attn: Tax Lien Sale Civil Deputy, P.O. Box 1250, Fort Collins, CO 80522, and changes must be received no later than two days before the sale.
- The premium is the price, and it buys nothing. Every dollar of premium goes to the county general fund the moment the lien sells. A small lien won with a large premium can pay back less than the taxes were worth even at a 13 percent headline rate, because the rate applies only to the certificate amount. Model premium as a fee you pay for the right to earn 13 percent on somebody else's tax bill, because that is what it is.
- The certificate is not the property. No possession, no rents, no right to enter, and no deed on application. Since 2024 the deed runs through a public auction where the owner's equity is bid for openly; buyers who need the property itself on a schedule should be reading the deed state pages, not this one.
Terms: what a bid actually costs
| Deposit, Larimer County | No deposit is required or published for the Larimer County sale on the Treasurer's pages read, and none is claimed here. Payment is made in full on the day of the sale instead (see payment). |
| Payment, Larimer County | Purchases must be paid in full before leaving the premises, and failure to do so results in loss of the liens purchased. Only personal or business checks for the purchase amount are accepted; the Treasurer does not accept cash or certified funds at the tax lien sale. Checks are payable to Larimer County Treasurer and must be for the exact amount of purchases; a check returned for insufficient funds results in loss of the liens and a ban from future sales. |
| What is sold | A certificate of purchase: a lien on the property for the delinquent taxes, delinquent interest and fees. Not the property, not a deed, and no right of possession. A deed exists only at the end of the Article 11.5 public auction process, years later, if the owner never redeems. |
| The bid | The taxes, delinquent interest and fees, plus a premium bid on top. Under CRS 39-11-115(1) the premium is credited to the county general fund: it earns no interest and it is not refunded when the owner redeems. The premium is a cost of winning, never part of the return. |
| The rate | Fixed by statute, not bid. Under CRS 39-12-103 the rate is nine percentage points above the federal discount rate as of September 1, rounded to the nearest whole percent, effective October 1. For the 2026 sale the rate is 13 percent, and it applies to the taxes and fees in the certificate amount and to subsequent taxes the holder endorses, never to the premium. |
| Redemption | At any time before a treasurer's deed is issued, through the county treasurer, by paying the certificate amount plus interest at the certificate rate and the statutory fees. The holder of a redeemed certificate is paid by the treasurer; the premium stays with the county. |
| The deed path | Article 11.5, as reenacted by SB 26-144 effective June 1, 2026. After August 1 of the third calendar year following the sale, the lawful holder may apply for a treasurer's deed; the treasurer auctions a certificate of option for treasurer's deed, with an opening bid of the amount owed to the holder plus treasurer fees and costs, the premium excluded. Any overbid is the former owner's surplus. If no qualifying bid is made and paid, the lawful holder is deemed the option purchaser and the deed issues to that purchaser. County pages state a treasurer's deed is unmarketable title for at least seven years. |
| Certificate life | A certificate is not perpetual, and the deed window does not open early: the application cannot be made before August 1 of the third calendar year following the sale, and county treasurers state that certificates from sales on or after January 1, 2026 expire seven years after the sale if the deed process is never begun. |
Unsold liens: county held certificates
Liens that draw no bid are struck off to the county under CRS 39-11-108, and county held certificates are later available by assignment from the treasurer on county terms. Larimer County's published assignment channel on the pages read covers assignments of existing liens between investors: processing starts in January following the tax lien sale, by appointment through the Treasurer's office at (970) 498-7029, with a $52.00 fee to process each assignment. A published county held list or county held price terms were not found on the Treasurer's pages read.
Before you bid
- Model the premium before the rate. Run the redemption case with your real premium included: certificate amount, plus premium, against 13 percent on the certificate amount alone over the likely redemption window. Liens that only work at a zero premium do not work.
- Check whether the sale is already over. Colorado's season is short and most of it lands in a few November weeks. Several sales in this set had already closed before these pages were checked. The treasurer's sale page is the live word on dates, registration, and deposits.
- Subsequent taxes are part of the position. A holder can pay later delinquent taxes on the parcel and endorse them onto the certificate at the same rate. Budget for carrying the position across the three year deed window, not just for 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 premium and costs shown.
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