Investing guides / Connecticut

Connecticut tax sale investing: buy the deed — but the owner gets a window

Quick answerConnecticut sells redeemable tax deeds for unpaid property taxes. Lien buyers can earn 18% per year on the total purchase price, from the date of sale (Conn. Gen. Stat. § 12-157(f)). Redemption: 6 months from the date of sale; 60 days for abandoned property or where a municipal ordinance so provides (§ 12-157(f)). The collector's deed is lodged unrecorded with the town clerk during redemption Sales: Set by each of Connecticut's 169 municipalities, year-round — no county or statewide sale; each town tax collector runs its own sale Governing law: Conn. Gen. Stat. § 12-157 (Chapter 204, Local Levy and Collection of Taxes).

How it works in Connecticut

In Connecticut you buy a redeemable deed: you take the property at the sale, but the former owner can redeem it during the statutory window by paying you the statutory penalty.

Interest / penalty: 18% per year on the total purchase price, from the date of sale (Conn. Gen. Stat. § 12-157(f))

Redemption: 6 months from the date of sale; 60 days for abandoned property or where a municipal ordinance so provides (§ 12-157(f)). The collector's deed is lodged unrecorded with the town clerk during redemption

When sales happen: Set by each of Connecticut's 169 municipalities, year-round — no county or statewide sale; each town tax collector runs its own sale

Where sales run: mostly in-person — public auction, registration at the auction, listings aggregated at CTTaxSales.com (Pullman & Comley), municipality-specific; online bidding is not universally used

Governing law: Conn. Gen. Stat. § 12-157 (Chapter 204, Local Levy and Collection of Taxes)

The investor's edge

Your edge is penalty math: model both outcomes — redemption (you earn the penalty) and keeping the property (you earn the equity) — and only bid where both outcomes work.

Connecticut sells the property itself (a 'tax deed' sale), not a lien certificate, despite frequent 'tax lien state' labelling in secondary sources — the 6-month redemption is among the shortest in the Northeast. Municipalities may alternatively foreclose the lien judicially under § 12-181, where the court sets the redemption (law) days.

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Full legal reference: Connecticut tax sale laws. Verified 2026-10-30 against the sources on that page. Educational only, not investment advice.