All bills warranted to the Tax Collector (real estate, sewer, water, yield, current use, etc.) are annually married together into one tax lien. Notice of tax delinquencies is mailed by certified mail to the owner of the property at the last known address thirty days prior to the lien being placed. The lien is recorded at the Belknap County Registry of Deeds. The lien is purchased by the Town of Gilford.
All tax, interest to the date of lien and costs associated with the lien become a principal amount on the lien date. Interest at 18 percent per annum is then charged on that principal to the date of payment.
This office does not report liens to any credit bureaus. However, recording of liens at the Registry of Deeds makes them a public record. Credit bureaus may then obtain the information for recording on your credit report. Mortgagees are notified of the lien.
Redemption of a lien can be made for two years and one day after the recording of the lien. If the lien is not paid, the Tax Collector may write a deed for the property to the Town of Gilford.
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