239 S. 5th Street, Suite 1450
The Commissioner’s Office cannot give legal advice. The following are frequently asked questions that are procedural:
[+] I just purchased property at the commissioner sale. What do I need to do now?
Discuss with an attorney the necessity for a title search. Thirty (30) days from the date of sale, the balance of the bid price needs to be paid into the Commissioner’s Office. Interest is at the judgment rate on the unpaid balance. The interest rate is noted on the sales handbill.
You are entitled to possession of the property after the Report of Sale has been confirmed by the Court. This can happen any time ten (10) days after the Report of Sale has been filed in the Court record.
This office does not have keys. The party whose judgment under which the property was sold or its attorney may have keys.
The original property owners have a right to those funds, and may file a claim for excess funds.
The Court can enter a writ of possession directing the sheriff of Jefferson County to set the individuals and their property out.
The homeowner has a six month right of redemption.
It is a right held by the property owner giving them six months to repay to the purchaser the amount of money paid into the Commissioner plus 10% per annum. KRS 426.530
The Commissioner’s deed will be in the name of the purchaser at the Commissioner’s Sale.
Payments are made at the Commissioner's Office, accompanied by an order paying money into court.
Jefferson County Judicial Center, 700 W. Jefferson Street, 2nd Floor - Jury Pool Room, Louisville, Kentucky.
Only if the individuals in possession allow it.
It is the responsibility of the purchaser at the Commissioner’s Sale to insure the property, to the extent of the purchaser’s interest, until purchaser takes full title.
No such list is maintained. The Commissioner’s Office does not create a mailing list or mail information to individuals. The website has a list of properties which are going to be sold.
A draft deed goes out for your review with the Report of Sale within three business days of the sale. After you filed a motion with the court for a deed, tender an order, and have paid the purchase price plus interest. If you have paid the full balance at the sale, no motion is required.
You or your attorney may file a written objection with the court. Rule 504.
You run the risk of losing any monies you have paid up to that point and if the property sells the second time for less than what you paid for it, you might be liable for the difference. You will not be approved as a surety through this office for any future purchases.
A bond is not necessary if the purchaser pays in cash, cashier's check or money order. Otherwise, a pre-approved bond must be filed with a 10% deposit, both of which must be supplied at the sale. This office will review for approval all submissions filed before 2:00 PM the day before the sale. If the purchaser does not have the bond and at least 10% or full payment, the Commissioner will have to re-sell the property.