Land · New Jersey tax sale guide

Chesilhurst borough tax lien sale, New Jersey

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Chesilhurst announces its sale in a notice signed by its collector and posted on the borough's own site, with the auction set for a Wednesday morning in late October 2026 at the Municipal Building. Behind the current notice sits a run of older audits whose lien statements reach back a decade, every figure in them carrying its year. A Camden County page stands in this set. Its 2020 census population is 1,536, read in the New Jersey Department of Labor municipal census table; no Census QuickFacts page exists for a population below 5,000.

Selling office: Borough of Chesilhurst Tax Collector (Jo Ann Watson), Chesilhurst

Next sale: Wednesday, October 28, 2026 (announced). That date is announced in the borough's own Notice of Tax Sale and is past; no borough document behind this page confirms the sale as held, so it prints here as announced.

Chesilhurst posts its sale day in its own notice, so watch for the notice and work the list it names.

Dates and deadlines

The announced sale	Wednesday, October 28, 2026, at 10:00 a.m., announced in the borough's own Notice of Tax Sale, posted on the borough's site in September 2026 and repeated in its weekly listing posts: the Tax Collector will sell at public auction at the Chesilhurst Municipal Building, 201 Grant Ave, Chesilhurst, the lots and parcels with taxes, water, sewerage, county utilities authority and other municipal charges unpaid for the year 2025 and prior years, with interest and costs computed to the date of sale, in fee, subject to redemption at the lowest rate of interest, not above 18 percent a year. The auction day is past, and no borough document behind this page confirms the sale as held, so it prints here as announced.
The payment terms the notice states	The same notice states that payment shall be made in full before the conclusion of the sale or the property will be resold, that cash or certified check only will be accepted as payment on the day of the sale, and that payment of the amount due may be made on any parcel before the sale, whereupon the sale of that parcel is cancelled.
The older lien statements	The borough's own audits carry its lien history with its years attached: tax title liens receivable of $802,056.56 at the end of 2017 against $684,198.34 a year earlier, on a statement that opens at $623,804.70 at the end of 2015; delinquent property taxes receivable of $176,882.34 against $171,605.86 in the same comparison; forfeited tax sale premiums of $11,231.40 in 2019 and $21,800.00 in 2018; and collections in 2019 of $168,876.11 of delinquent taxes and $35,014.18 of tax title liens. The latest audit on the borough's own site is the 2019 audit, and no figure from this run is printed here as a current balance.
The mechanism in the borough's words	The borough's own Taxes and Utilities page explains in its own words that New Jersey statute requires an annual tax sale, that the date is set by the Tax Collector, and that the sale is advertised in the Courier-Post or the Central Record.
Next sale	No specific date is published beyond the October 2026 announcement above.
Sale track	A sale of real property for unpaid taxes and municipal liens, on the borough notice's own words.
Registration	Not published in the Chesilhurst sources read.
Deposit	No deposit terms are published in the Chesilhurst sources read.
Bidding and payment	Cash or certified check only, paid in full before the conclusion of the sale, on the borough's own notice; a borough sale itself runs under the state frame, with the rate bid down from 18 percent and premium bidding below 1 percent, as set out below.
Redemption	Through the Tax Collector until a Superior Court judgment bars the right. The money side, interest at the bid rate, subsequent payments and the tiered penalty, is set out in the terms table below, on the state frame.
Struck off certificates	The borough's own notice states it directly: any parcel for which there is no bidder will be struck off to the municipality at 18 percent a year.
Format	A public auction at the Municipal Building, on the borough notice's own words.
Selling office	Borough of Chesilhurst Tax Collector (Jo Ann Watson), named as Tax Collector in the borough's own 2026 Notice of Tax Sale and its October 2026 listing posts, and named Tax and Sewer Utility Collector in the Officials in Office roster of the borough's own 2019 audit.

Sources: Borough of Chesilhurst, Notice of Tax Sale and Reports of Audit (chesilhurstboro.org). NJ Division of Local Government Services, Elements of Tax Sales in New Jersey. 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 Chesilhurst borough 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 Chesilhurst borough, searchable by address, owner, or county, including parcels that never reach a sale list.

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How New Jersey tax sales work

Nobody at the county sells anything. Under NJSA 54:5-19 the tax collector of each municipality sells. Counties in New Jersey assess nothing for this process and run no sale; every date, list, platform and deposit rule on these pages belongs to a town, not to the county named at the top.
What is sold is a certificate, a lien, not the property. The Division of Local Government Services states it plainly: at the tax sale, title to the delinquent property itself is not sold; what is sold is a tax sale certificate. The owner keeps the property and is not evicted.
Two sale tracks run on the statute's calendar. A standard sale is held in the fiscal year following the year of delinquency. An accelerated sale reaches charges in arrears on the 11th day of the eleventh month of the fiscal year, conducted no earlier than the last month of that year, which is why December accelerated sales exist. A municipality may run both.
Bidding is the rate down from eighteen percent, then premium. Under 54:5-32 the lien is struck off to whoever takes the lowest rate of interest, never above 18 percent. When a bidder offers less than 1 percent or no interest, premium bidding takes over: the winner pays the amount due plus the highest premium. The premium goes to the municipality, earns no interest, is returned if the owner redeems, and escheats to the municipality if the certificate is neither redeemed nor foreclosed within five years.
Redemption runs through the collector until a court bars it. The owner, heirs, a prior certificate holder, a mortgagee or an occupant may redeem at any time until the right is barred by a Superior Court judgment (54:5-54, 54:5-86), paying the sale amount with interest at the bid rate, the holder's subsequent lien payments and expenses, and the tiered penalty in 54:5-61: 2 percent over 200 dollars, 4 percent over 5,000, 6 percent over 10,000.
Foreclosure has two clocks, and assignment moves you to the faster one. A private holder may file in Superior Court after two years from the sale; a municipality, or its assignee or transferee, may file after six months (54:5-86), and a municipality may proceed in rem where six months have run and 21 months of general land taxes remain unpaid (54:5-104.32, 54:5-104.34). Since July 10, 2024, P.L.2024, c.39 has revised the process so an owner can protect remaining equity, so foreclosure is no longer the automatic equity transfer older guides describe.
Unsold liens are struck off to the municipality at eighteen percent. The municipality may later sell those certificates by private assignment under 54:5-113, for not less than the liens by governing body resolution, or at public sale under 54:5-114.1 and 54:5-114.2, the second permitting sales below the amount due. That assignment market is New Jersey's leftover channel, and it is municipal, never county run.

How buying works in Chesilhurst borough

Chesilhurst preparation follows the notice. The borough publishes the day, the room, the charges covered and the payment forms it takes, and its older audits show liens that built across the decade, so a bidder works the current list against that history parcel by parcel.

The rate is a giveaway on any lien worth having. On contested certificates the interest rate is bid to zero in the first minutes and the real bidding is the premium, which earns nothing and sits with the municipality for up to five years. The disciplined bid is set by the property and the foreclosure timeline, never by the rate.
Cash or certified check on the day is the whole payment rule. Chesilhurst takes no other form at the sale, so a bidder's funds have to be in hand in one of those two forms before the auction starts.

Terms: what a bid actually costs

Deposit, Chesilhurst borough	Not published; the Chesilhurst notice behind this page carries no deposit figure.
Payment, Chesilhurst borough	Cash or certified check only, paid in full before the conclusion of the sale, on the borough's own Notice of Tax Sale.
What is sold	A tax sale certificate: a lien on the property for the taxes and municipal charges sold, recorded against the property. The property itself is not sold, the owner is not evicted, and the certificate holder's road to the property runs through redemption failing and a Superior Court foreclosure.
The interest ceiling	18 percent per year, the maximum in 54:5-32. Bidding opens at 18 percent and the rate is bid down. The rate the winner takes is the rate the owner pays on redemption, and on contested liens in the publishing towns the rate is routinely bid to zero, which is where the premium takes over.
The premium	When a bidder offers less than 1 percent or no interest, the lien is struck off to whoever pays the amount due plus the highest premium. The premium is paid to the municipality and held by it: it earns the buyer no interest, it is returned if the owner redeems, and it escheats to the municipality if the certificate is neither redeemed nor foreclosed within five years. Model every premium dollar at zero percent, because that is what it earns.
Redemption money	The sum paid at the sale with interest from the sale date at the rate bid; after the certificate issues, plus the holder's expenses and subsequent municipal liens paid under 54:5-59 and 54:5-60; plus the tiered penalty in 54:5-61, 2 percent where the certificate exceeds 200 dollars, 4 percent above 5,000 dollars and 6 percent above 10,000 dollars. A municipality may separately fix a year end penalty up to 6 percent on delinquencies over 10,000 dollars under 54:4-67.
How long redemption really lasts	Until a Superior Court judgment bars it. There is no self expiring redemption date: the operative clocks are the foreclosure filing clocks, two years from the sale for a private holder, six months for a municipality or its assignee, plus the life of the court case. An owner facing a private holder has at least two years; an owner facing a municipal assignee may have far less.
The deed path	Foreclosure of the right of redemption in Superior Court, Chancery Division, or a municipal in rem action under 54:5-104.32 where its conditions are met. Since P.L.2024, c.39 (July 10, 2024) the process protects the owner's remaining equity, so the pre-2024 outcome, foreclosure simply transferring all equity to the holder, is not current law and no 2026 page should describe it as such.

The leftover channel: struck off certificates and municipal assignment

For Chesilhurst the borough's own notice states the first step directly, in the struck off row above. Beyond that sentence the Chesilhurst sources behind this page publish nothing about assignment sales. Under the state frame a borough lien struck off to the borough at 18 percent may later be sold by private assignment under 54:5-113, for not less than the liens by governing body resolution, or at public sale under 54:5-114.1 and 54:5-114.2, the second permitting sales below the amount due. The assignee of a municipal certificate inherits the municipality's six month foreclosure clock under 54:5-86, measured from the original sale date.

Before you bid

Start with the town, because there is no county list. Every fact that matters, the date, the list, the platform, the deposit, lives with one municipal tax collector. The county page tells you which towns publish and what they published; the towns that publish nothing are a telephone call, and no website, this one included, can substitute for it.
Redeem and pay only through the collector. Redemption money goes to the tax collector for the holder's use, and the collector's figure is the redemption figure. Never pay a certificate holder directly on their own number, and record your certificate with the county clerk within 90 days of the sale to protect the lien.
Know which clock your seller gives you. A certificate bought at the sale carries a two year wait before foreclosure; the same certificate bought by assignment from the municipality can be foreclosed on the six month municipal clock from the original sale date. The channel you buy through is a term of the deal, priced like one.
Set the maximum before the sale opens. The free Max-Bid Calculator below works backwards from your exit value to the highest bid you can pay, with the costs shown. In premium territory the maximum is a property decision, not a yield decision.

The municipal pages in this set

One page per selling office, each verified against its own municipal sources. New Jersey has 566 municipalities and every one sells through its own tax collector; this set is the five hundred ten largest municipalities by population. The county's other municipalities are aggregated on the Camden County page.

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