If you do not pay property tax, municipalities can add penalties and interest, register claims, and eventually move toward tax sale proceedings.
Typical escalation path
- Missed installment and late charge.
- Ongoing arrears interest.
- Formal notices and collection steps.
- Tax registration and possible tax sale timeline.
Why this is urgent
Property tax debt is secured against your property and can create legal risk even if your mortgage is otherwise current.
What to do now
- Contact your municipality immediately.
- Ask about payment plans or hardship arrangements.
- If escrowed by lender, confirm whether lender can pay and bill you.