Definition of "Do I have a Lien on my Home?"

Susan & Steve Hanson real estate agent

Written by

Susan & Steve Hansonelite badge icon

William Raveis Real Estate

Here you are asking us: “Do I have a lien on my home?”

We don’t know. Do you?

Here are some of the reasons why one would have a lien on their home:


Failing to pay the principal of your mortgage. The lender can apply a lien, put the house in foreclosure and seize your property because you fail to pay off your debt.

Tax delinquency.

Failing to pay city, county, federal and income taxes can, in the long run, cause a lien on your home.

Vendor contracts.

Say you make a deal with a contractor for a pricey renovation in your home where you will pay up as time passes because it’s a very big figure to pay at once. Unknowingly, this settlement you’ve made can give the contractor the right to put a lien on your home if you miss one payment. This is very common, actually. A contractor doesn’t always have a large reserve of money like a typical lender, so he can’t wait for the money to go to his account. Even though there is interest and he’ll earn more in the end. He needs the money now. What does he do? He sells the lien to a bank, who pays the value right there. Now the bank has a lien with interest and will make your life harder.

Judgment lien

Lost a lawsuit in court – non-real estate related - and now you need to pay up? You might have a lien on your home until the debt is cleared.

And even failing to clean up your garbage, fixing hazards within your lawn/curb, unpaid tickets for illegal parking and moving violations can cause a lien to your property perpetrated by your municipality.

So, as you can see… there are a lot of reasons and a lot of people who can put a lien on your property. If any of those happened to you, then maybe there *is* a lien on your home. Anyways, to be 100% sure, head to your local county recorder, clerk or assessor’s office because that’s where you will find the most precise answer.


Need help as a:

I'm interested to:


I work in:

Reach out to the local professionals for help
I agree to receive FREE real estate advice.

Agents, get listed in your area. Sign up Now!

Here's what you'll get:

1. Full zipcodes coverage for the city of your choice for 3 months

2. The ability to reach a wider audience

3. No annual contract and no hidden fees

4. Live customer support/No robo calls

$75 - Any City - 3 Months Coverage
loader gif

Please wait ...

I agree to receive FREE real estate advice
I agree with Terms & Conditions and Section 5-5.9.

Real Estate Advice:

By now you’ve figured you need to pay everything in time, right? The most common liens come from accruing a debt. Pay up in time and there will be no lien on your home. But, just in case, get Title Insurance as a way to cover yourself should any undiscovered lien get revealed – it can happen.

image of a real estate dictionary page

Have a question or comment?

We're here to help.

*** Your email address will remain confidential.


Popular Real Estate Questions

Popular Real Estate Glossary Terms

Voluntary giving up of a right of a lien, usually on a temporary basis. The waiver may be explicitly stated or implied. An example is when a lender waives its right of lien against ...

(1) Licensed broker employed to represent and match both buyers and sellers. Usually employs several real estate agents in an office. (2) Commission or fee charged to sell real estate or ...

Levied on those benefiting from the installation of a sewer. ...

A covenant real estate definition covers covenants in the context of residential real estate, condominiums, neighborhoods, or housing co-ops that are ruled by an agreement of the owner to ...

Real estate sales contract where possession and use is provided to the buyer, but the deed is kept by the seller until the full purchase price is met whereupon the title is placed in the ...

The minimum age required for legal competency ( in most states 18 years). ...

Considerations used by lenders in appraising a prospective homebuyer' credit application. They are: Character, Capacity (cash Flow), Capital, Collateral and Conditions (economic status) ...

Metal or wood channel attached immediately below or along the eaves of a building for the purpose of channeling rainwater away from the structure. The gutter prevents rain runoff from ...

Laws enacted by every state governing the activities and requirements of real estate salespeople and brokers. Upon satisfying the necessary age and residency requirements and satisfactorily ...