Talk to your local Assessor about the valuation of your property. Check the appraisal records to see if all elements of the property are correct and that the assessment is in line with similar properties in the township. Be prepared to justify why your property would not sell for twice the assessed value. If you want to proceed, you may lodge an appeal with your township/city Board of Review (BOR).
When does the Board of Review meet?
The BOR meets 3 times a year. Property assessments can only be appealed in March. The July and December BOR meetings are to correct clerical errors and mutual mistakes of fact. The Assessment Change Notice received in March will give the dates and times of the hearings, or call your local assessor.
How do I get an appointment with the March Board of Review?
The assessment change notice that you receive in March will give you information regarding the BOR hearings, or call your local Assessor.
Do I have to appear? What if I’m out of town?
You can send another person to represent you or file a written appeal. Be sure to include the reason for your appeal, supporting documents, your Tax Parcel/I.D. number, and telephone number.
When can I file a written appeal?
A written appeal must be received by 5:00 p.m. on the last day of the March BOR. It should provide sufficient detail supporting your position.
What recourse do I have if I’m not satisfied with the Board’s decision?
The next level of appeal is the Michigan Tax Tribunal. This appeal must be filed no later than June 30 during the year in which you initiated the BOR appeal by writing to:
What is forfeiture? Does it mean I lose my property?
No. Forfeiture is the first step to Foreclosure. The interest rate goes from 1% per month to 1.5% per month retroactive to March 1 of the prior year. A $175.00 processing fee and recording fees are also added. Additional fees will be added as they incur throughout the year.
What happens after my property is in forfeiture?
You have one year in which to redeem your property taxes. If still unpaid on the following March 31, it will be Foreclosed.
Will I receive any notification before my property is foreclosed?
Yes. In all, five (5) notifications will be made. Two will be by first class mail, two by certified mail and one notification will be a personal visit to the property. In addition to these notices, it will be published in an Allegan County newspaper. This published notice may include names and/or addresses.
What if I can’t come up with all the money right now?
You lose all rights to your property. Ownership will be transferred to Allegan County. It will then be sold at public auction.
I really don’t have to worry about losing my property until March 31 of the third year delinquent. Why not wait and pay my taxes then?
Don't wait! We do not recognize postmarks. April 1 is Foreclosure – no excuses. Our best advice is, pay your taxes early. Foreclosure is final!
How do I get my property back?
You cannot get your property back after is has been ‘foreclosed’. Foreclosure is final!
Taxes
I did not receive a tax bill. Who do I contact?
Your initial tax bill is sent by your local township/city/village treasurer. Any questions or concerns regarding your current taxes must be directed to your local treasurer’s office.
I no longer own this property, but I keep getting the notices. How do I get my name off the records?
In Michigan most cities and townships bill twice a year – July and December.
When are property taxes due?
Summer taxes - usually due September 14. Cities and charter townships can vary - contact your local treasurer for due dates and late fees.
Winter taxes - due by February 14. All property taxes become delinquent on March 1.
Who do I pay?
From July 1 to February 28 – all current year taxes (summer/winter/most villages) - pay your township, city, or village treasurer.
March 1 – taxes are now delinquent (both Summer & Winter) - pay the Allegan County Treasurer.
Prior Year/Delinquent Taxes – pay the Allegan County Treasurer
I didn’t receive a tax bill – can you waive the late fees?
No. Neither, the local treasurer, County Treasurer, nor State treasurer has authority to waive interest or penalties. Michigan law holds the taxpayer responsible to know that taxes are paid on time.
I didn’t get a bill because they didn’t change my address.
Name and/or Address changes are your responsibility as the owner and taxpayer. Contact your local township/city/village assessor’s office.
How do I change my address on the tax bill?
Notify your township, city, or village office as soon as possible.
The Bank/Mortgage Company pays my taxes. I don’t need to worry.
Although the mortgage company is responsible for paying your taxes, they sometimes get missed. Watch your mortgage statements or call your local treasurer to check that your taxes are being paid promptly. Michigan law holds the property owner responsible.
I recently refinanced. Do I need to worry?
Yes. Tax payments are quite often missed during the transitional time following a refinance. Be sure that your mortgage company is paying the taxes, as they should. Again, the taxpayer is ultimately responsible for seeing that the taxes are paid.
My payment was applied to the wrong parcel. I didn’t enclose the bill when I mailed the payment in. Can’t the treasurer just switch the payment?
No. The treasurer is not responsible for payment on the wrong parcel. Always submit a copy of the bill or the Property I.D. Number along with your payment.
What is a delinquent tax?
A delinquent tax is an unpaid tax that has been forwarded to the County Treasurer for collection on March 1 of the year after it was due.
What happens when the property tax is forwarded to the County Treasurer for collection?
Taxes are now ‘Delinquent’, a 4% administrative fee and interest of 1% per month are added. On March 1 of the 2nd year, it goes into ‘Forfeiture’ and interest increases, fees/penalties continue to accumulate.
How long can I be ‘Delinquent’?
Only two (2) years and one (1) month. On March 31 of the 3rd year, the County forecloses and you lose all rights to the property.
If I don’t pay my taxes, will I really lose my house and property?
Yes. It’s the law. See Michigan P.A. 123 of 1999. Foreclosure is final!
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