Bidding Rules

Bidding Rules - 2021 Navajo County Tax Certificate Auction


If you are new to Realauction tax lien auction websites, we recommend you proceed in the following fashion: 

  1. If you are not completely familiar with the statutes governing tax liens in this state, read the Tax Certificate Process document located at the left of the home page. It is a plain English summary of the law and will only take ten minutes to read. Remember, the purchase of a certificate does not convey title to the land. While purchasing tax certificates is generally a good investment, there is some risk. Understand the risks and employ the “buyer beware” philosophy.

    The fees imposed on the Certificates of Purchase offered at a Tax Sale are assessed by statute, specifically, ARS 42-18118 (Certificate Fee) and 42-18116 (Processing Fee). In accordance with statutes, the processing fee is non-refundable (ARS 42-18153). The Treasurer does not make any guarantees that a purchaser will make money on a purchase and should be aware of the fact that the property owner has a right to redeem the tax lien AT ANY TIME.
  2. Review the Summary of Important Dates below.
  3. Register. You will create your own User Name and Password as part of the process. Note: Navajo County utilizes a Single Simultaneous Bidding Entity Rule which states that each bidder can register only once and cannot have a contractual, legal or financial relationship with any other bidder registered in the Navajo County Tax Sale.
  4. Bidding process:
    • Decide how much money you want to invest in tax certificates for this auction. ($10,000 for example)
    • Make a deposit of exactly 10% of that amount. The deposit is required and must be submitted before the deadline in order for your bids to be valid.
    • Bid on as many quality liens as you can. Your deposit will limit how much you can win no matter how many bids you place. There is no penalty for running out of deposit money. If you are fortunate enough to win all the liens you want, your remaining bids are simply ignored.
  5. You may place as many bids as you like before making a deposit, but none of your bids will count unless the deposit requirement is met before the deadline or before a batch containing your bids closes (See Summary of Important Dates).
  6. As a batch closes, you may see the results for that batch by clicking “Results” on the website menu. Click the “Sold To” link on the auction results page to display all bids on that item along with other useful information. After seeing results, you can change your bids in any unclosed batches.
  7. Payment for certificates won will be accepted by ACH only. Please ensure your financial institution will allow an ACH debit to your account before placing bids.


Summary of Important Dates


  Bidder Accounts  
  Allow foreign bidder registrations     No  
  Single simultaneous bidder rule     Yes  
  Auction Information  
  Bidding style     Proxy Bid Auction  
  0 value bids use proxy system     Yes  
  Allow sub-accounts     No  
  Automatic certificate rollup / rollup fee     ---     ---  
  Auction Dates and Times  
  Registration begins (site opens)**     02/01/2021 at 8:00 AM MT  
  Deposits, Registration fees and Budgets begin     02/04/2021 at 8:00 AM MT  
  Bidding begins     02/04/2021 at 8:00 AM MT  
  Deposits, Registration fees and Budgets end       02/10/2021 at 2:00 PM MT  
  Participation Requirements       Submit a deposit  
  Participation Requirements Due Date     02/10/2021 at 2:00 PM MT  
  Registrations end     02/09/2021 at 4:00 PM MT  
  First batch closes     02/10/2021 at 8:00 AM MT  
  Batch closing interval     60 Minutes  
  Last batch closes     02/10/2021 at 12:00 PM MT  
  Auxiliary batch opens     02/10/2021 at 1:00 PM MT  
  Auxiliary batch closes     02/10/2021 at 2:00 PM MT  
  Payment due date     02/11/2022 at 1:00 PM MT  
  Budget, Deposit and Payment Information    
  Deposit or Budget required (% of estimated winnings)     10%  
  Minimum deposit amount     $0.00  
  Registration Fee     $0.00  
  Registration Fee Refundable      No  
  Registration Fee Applied to Winnings      Yes  
  Deposit / Payment types acceptable:   Deposits Payments
      Budget      No     ---  
      ACH      Yes     Yes  
      ACH auto-debit final payment      ---     No  
      Wire transfers     No     No  
      Counter payments     No     No  
  Redemptions available via ACH?     No  
  Public Access  
  Public computers available      Public Library, County Treasurer  
  ** Subject to change. The site will open when approved by the County.  


For an explanation of any of the terms above, please visit the FAQs.


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