Land · New Jersey tax sale guide

Franklin borough tax lien sale, New Jersey

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Franklin borough announces its sale in its own notice and then confirms it in its own audit. The borough Tax Sale Notice states that Diana L. Falica, Collector of Taxes, would sell at public auction on December 3, 2025 at 10:30 a.m. at the Municipal Building, 46 Main St, for non-payment of 2024 taxes, water, sewer and other municipal liens. The borough Audit for 2025 then states in words that the last tax sale was held on December 3, 2025, so the date prints as held, not merely announced. Plain Franklin in this set is Franklin Township in Somerset County, a separate municipality. Sussex County has no county page in this set. Its 2020 census population is 4,912 (Census QuickFacts).

Selling office: Borough of Franklin Tax Collector (Diana L. Falica), Franklin

Next sale: Wednesday, December 3, 2025, 10:30 a.m. (most recent dated sale published). The borough notice gives that Wednesday and its hour at the Municipal Building, and its audit confirms the sale was held that day.

Read the Franklin borough notice and audit together for this borough, because the borough papers its auction morning in a signed notice and its held confirmation in its audit.

Dates and deadlines

The dated sale	Wednesday, December 3, 2025 at 10:30 a.m., Municipal Building, 46 Main St, Franklin, per the borough Tax Sale Notice signed by Diana L. Falica, Collector of Taxes, which offers the lands for non-payment of 2024 taxes, water, sewer and other municipal liens under N.J.S.A. 54:5-1, with amounts computed to December 3, 2025, sale at the lowest rate of interest bid, not to exceed 18 percent, and no-bid properties struck off to the borough at 18 percent. One parcel appears in the rendered list behind this page; the list is recorded as seen, not asserted to be complete.
The held confirmation	The borough Audit for the year ended December 31, 2025 states in words that the last tax sale was held on December 3, 2025. The same audit carries tax title liens of $740,802.20 at December 31, 2025, up from $506,881.89 a year earlier, including interest and costs on tax sale of $14,879.69, with six tax title liens receivable at the end of 2025. Its general note about sales held after December 10 sits against the actual December 3 sale; both are recorded as printed, and the dated held line governs.
The collector's name, with its conflict	Diana L. Falica is carried on the borough sale notice, which styles her Collector of Taxes, and on the borough municipal calendar for 2026, which lists her as Tax Collector. Against that, the borough audit's schedule of officials lists her under water and sewer collection titles and lists no standalone Tax Collector. The conflict is the borough's own and is recorded here rather than smoothed; the notice and calendar namings are the ones carried.
Next sale	Not published as a specific date beyond the December 2025 sale above.
Sale track	Not published as a label. The borough notice describes its standard public auction for unpaid taxes and utility liens.
Registration	Not published in the sources read beyond the notice terms above.
Deposit	Not published in the sources read.
Bidding and payment	Sale at the lowest rate of interest bid, not to exceed 18 percent, per the borough notice, with amounts computed to the sale day. Full payment terms beyond the notice are not published in the sources read.
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	Nothing published in the sources read. Under the state frame a lien with no purchaser is struck off to the municipality at 18 percent and may later be assigned under 54:5-113 or sold at public sale under 54:5-114.1 and 54:5-114.2.
Format	Public auction in person at the Municipal Building, per the borough notice.
Selling office	Borough of Franklin Tax Collector (Diana L. Falica), named as Collector of Taxes in the borough Tax Sale Notice and as Tax Collector in the borough calendar for 2026, Municipal Building, 46 Main St, Franklin, NJ, with the title conflict recorded in the collector row above. A neighbouring Sussex township held its own sale on the same December day; that record is separate and shares nothing with this one.

Sources: Borough of Franklin, Tax Sale Notice and Audit for the year ended December 31, 2025 (franklinborough.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 Franklin 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 Franklin 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 Franklin borough

Franklin borough preparation starts with the notice's computed amounts and the audit's lien growth. A lien book that grew by more than two hundred thousand dollars in the sale year says the December list was substantial; price from the notice list, and confirm the current list with the collector before the next morning.

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.
Franklin borough is not Franklin Township. Two Franklin Townships, in Somerset and Gloucester Counties, and Franklin Lakes borough each run their own sales; a Franklin Township land sale ordinance is not a borough tax sale, and none of it belongs on this page.

Terms: what a bid actually costs

Deposit, Franklin borough	Not published. The borough notice behind this page states the auction and no deposit figure.
Payment, Franklin borough	Not published in the sources read beyond the notice terms above. The borough tax office governs payment for the Franklin borough 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 Franklin borough the borough notice states that properties with no bid are struck off and sold to the borough at an interest rate of 18 percent, and the borough sources behind this page publish nothing further about assignment sales. Under the state frame a struck off borough lien 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 four hundred seventy largest municipalities by population. Sussex County has no county page in this set; the New Jersey hub carries the county sets.

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