Iredell County tax foreclosure sales

Verified

Iredell outsources tax foreclosure completely. The county's own Board of Commissioners packet records the contract: Attorney Mark D. Bardill, trading as Zacchaeus Legal Services, has represented Iredell County on foreclosure actions since 2012, renewed in December 2024, at no cost to the county because the attorney fees are added to the tax bills of the foreclosed properties. The county site itself publishes no tax foreclosure list; the firm's platform is the list.

Selling office: Zacchaeus Legal Services (Mark D. Bardill, P.C.), the county's contracted foreclosure attorney since 2012, per the county's Board of Commissioners packet of December 3, 2024.

Next event: No dated tax foreclosure sale published on official county sources. The county publishes no tax foreclosure list of its own. Sale dates for Iredell appear on the firm's listing platform. The county Sheriff's pages that mention sales govern execution sales, a different channel, and are not tax foreclosure dates.

No 2025 or 2026 tax sale notice appears on the county site read; visibility lives on the firm's platform, not the county's.

Dates and stages

Next event	No dated tax foreclosure sale published on official county sources
Sale track	Not published for Iredell on the county sources read. The firm states it provides both mortgage style (judicial) and in rem foreclosure services statewide; a firm's capability cannot assign this county's track, so this page does not.
Sale pattern	Not published on county sources. The contracted firm announces individual sale dates on its own channels and directs readers to its listing platform for the property list.
Upset bids	The statutory upset bid period applies to any Iredell tax foreclosure sale (10 days, at least 5 percent and at least $750, filed with the Clerk of Superior Court); the county publishes no Iredell specific upset instructions. See the terms table for the math.
The list	No county hosted tax foreclosure list exists. The list lives with the contracted firm: the Zacchaeus Legal Services listing platform, linked in the sources below.
Format	Not published for tax foreclosure sales on county sources. Do not import the county Sheriff's Auction page here: that page governs execution sales (cash only, subject to all prior liens), which are a different sale with different rules.
Selling office	Zacchaeus Legal Services (Mark D. Bardill, P.C.), the county's contracted foreclosure attorney since 2012, per the county's Board of Commissioners packet of December 3, 2024.

Sources: Iredell County Board of Commissioners packet, December 3, 2024 (ZLS contract renewal). Zacchaeus Legal Services (the county's contracted firm). Zacchaeus Legal Services, listing platform. Iredell County, Surplus Property. Confirm with the selling office before relying on any date on this page: sales move, terms change, and owners can pay the judgment and stop a sale at any point before the upset bid period expires.

Research Iredell 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 Iredell County, searchable by address, owner, or county, including parcels that never reach a sale list.

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How North Carolina tax foreclosure works

There is no tax lien sale in North Carolina. Property taxes are a lien on the property itself, and the county's remedy is foreclosure of that lien, not an auction of the lien. Guilford County's page states it in one line: North Carolina state law prohibits the sale of property tax liens. Any site selling you a North Carolina tax lien certificate is selling something the state does not issue.
Track one: judicial foreclosure (NCGS 105-374). The taxing unit files a foreclosure action in superior court, takes a judgment, and the court appoints a commissioner to sell the property. The commissioner advertises the sale (published once a week for two weeks and posted at the courthouse, at least 20 days in the counties that state the posting period), cries it at the courthouse, and on confirmation executes a Commissioner's Deed. It works like a mortgage foreclosure, because the statute builds it on one.
Track two: in rem foreclosure (NCGS 105-375). The taxing unit dockets a judgment with the Clerk of Superior Court without a full court action, and the judgment is enforced by execution: the sheriff advertises and sells the property, and conveys by Sheriff's Deed. Counties choose the track, and some in this set use both; the track decides who sells and which deed you get.
The sale itself is only the opening price. The officer or commissioner files a report of sale, and the price stands open for 10 days. The taxing unit itself often bids the judgment amount at the sale, so a winning bid below the tax debt is not the bargain it looks like until the upset period runs.
The upset bid period is the real auction. For 10 days after the report of sale (or after the last notice of upset bid) is filed, any person may file an upset bid with the Clerk of Superior Court: a bid exceeding the reported price by at least 5 percent, with a minimum increase of $750, backed by a deposit of at least 5 percent of the upset bid and never less than $750 (NCGS 1-339.64 for in rem and execution sales; NCGS 45-21.27 states the same math). Each valid upset bid restarts a fresh 10 day period, with no limit on rounds. Only when a period expires with no upset bid do the rights of the parties become fixed; the sale is then confirmed and the deed issues. The owner can still pay the judgment and costs and stop the process at any point up to the end of the upset period.

How bidding works in Iredell County

No county published registration, deposit or payment rules exist for Iredell tax foreclosures; the sale notice issued by the firm for each parcel carries the terms. Read the notice, not the county's execution sale pages.

There are two deposits, not one. The sale deposit goes to the officer, commissioner or attorney at the sale itself, at the percentage your county's row above states. The upset bid deposit goes to the Clerk of Superior Court if you enter or raise during the 10 day window. They are different money, paid to different offices.
The upset window is where North Carolina sales are actually decided. A parcel can look won on sale day and change hands twice more inside successive 10 day periods. Work the Clerk's file for the parcel, not just the sale day result.

Terms: what a bid actually costs

Deposit, Iredell County	Not published for tax foreclosure sales on county sources. (The 10 percent cash deposit in the county's archived notices is for execution sales under G.S. 1-339.47, not tax foreclosures.)
Payment, Iredell County	Not published for tax foreclosure sales on county sources; the firm's sale notice for the parcel controls.
Sale deposit	Set by each sale's notice, not by one statewide figure. In this set the published sale deposits run from 5 percent of the bid (New Hanover, Union) through 10 percent (Durham) to 20 percent (Guilford, Gaston), in cash or certified funds. The county figure is in the deposit row above; the notice for your parcel controls.
The upset bid raise	An upset bid must exceed the reported sale price, or the last upset bid, by a minimum of 5 percent, and in any event by at least $750. One of the two numbers is always bigger; compute both and use the larger.
The upset bid deposit	Filed with the Clerk of Superior Court with the bid: cash, a certified check or a cashier's check of at least 5 percent of the amount of the upset bid, and never less than $750. Several counties in this set use the standard form AOC-CV-414 for the bid.
The clock	Ten calendar days from the filing of the report of sale or the last notice of upset bid, expiring at the close of the Clerk's normal business hours on the tenth day. Weekends count inside the period; where the tenth day falls on a day the courthouse is closed, the filing rolls to the next open day, as Gaston and Guilford state expressly. Every upset bid restarts the full 10 days.
Title and redemption	The deed is a non-warranty Commissioner's Deed or Sheriff's Deed. There is no post sale redemption in North Carolina tax foreclosure: the owner's right is to pay the judgment and stop the sale, and it ends when the upset period expires and the sale is confirmed. A tax foreclosure sale may also leave the buyer subject to taxes and assessments that were not part of the judgment, as Forsyth's list states expressly; read the notice's subject to language before pricing a bid.

County owned property

No county owned or surplus real property channel is published on the county site read. The county's Surplus Property page covers personal property through GovDeals only.

Before you bid

The hammer price is an opening offer. Budget and plan for the upset period: anyone in the state can outbid you at the Clerk's office for 10 days, and each raise restarts the clock. Your real closing date is the day a period finally expires.
Read the notice's subject to language. Tax foreclosure deeds are non-warranty, and taxes or assessments outside the judgment can survive the sale. The notice for the parcel, not the county page, is the full term sheet.
Know the track. Judicial sales run through a court appointed commissioner and end in a Commissioner's Deed; in rem sales run through the sheriff and end in a Sheriff's Deed. The track also decides who holds your deposit and who answers questions.
Set the maximum before the sale opens. The free Max-Bid Calculator below works backwards from your resale or hold value to the highest bid you can pay, with the costs shown. In an upset bid state, set two numbers: your sale day bid and your walk away upset ceiling.

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