We buy houses for cash across Ramsey County, from the neighborhoods of St. Paul to Maplewood, Roseville, Shoreview, and White Bear Lake. We buy as-is, so no repairs, no agent commissions, no fees, and you pick the closing date.
If you need to sell without the hassle of a traditional listing, we can look at your Ramsey County house and give you a fair cash offer, cover the closing costs a seller normally pays, and close on your timeline. For the full detail on how our offers are figured and how to vet any cash buyer, see our Minnesota hub page. Call 715-716-7272 or fill out the form.
A Quick Look at Ramsey County
Ramsey County is the urban heart of the east metro. It is home to St. Paul, the state capital, and though it is Minnesota’s smallest county by land area, it is its second most populous, which makes it the most densely built county in the state. That shows up in the housing: a lot of older St. Paul homes, duplexes, and small apartment buildings, many built before 1940, wrapped by established inner-ring suburbs like Maplewood, Roseville, and White Bear Lake. These are the kinds of houses, and the kinds of situations, we deal with all the time: an older home that needs real work, an inherited city house, or a rental a landlord is ready to let go of. Whatever the case, we buy it as-is.
Behind on Property Taxes in Ramsey County?
This is the question we hear most, and Ramsey County handles the delinquent-tax and forfeiture process through its Property Tax, Records and Election Services department, under a program it calls Productive Properties. Here is the plain version.
Your taxes become delinquent on January 1 after the year they were due, and from there you have three years to pay the delinquent taxes and redeem the property. (Ramsey notes that before 2014 the period was five years for many homes, so older advice you might read no longer applies, another reason to confirm your own deadline.) If that period runs out, the county begins forfeiture, and it gives formal notice several ways, including a courtesy letter in early April and a published “Expiration of Redemption” list in May. You can stop the process by paying what is owed, or by entering a confession of judgment, a plan to pay it off over time instead of all at once. Our Minnesota tax-forfeiture guide explains the confession of judgment and the full timeline.
And here is the recent, important change. Because of a 2023 U.S. Supreme Court decision and Minnesota’s 2024 law, if a home forfeits and is later sold for more than what was owed, an interested party can file a claim for that surplus with the county auditor, and Ramsey County states the claim must be filed within six months of the notice date. Our state guide walks through how the claim works, and you should confirm your specifics with Ramsey County’s Productive Properties office directly.
The best first move is simple: call Ramsey County and ask for your exact payoff and your exact deadline. Once you know those two numbers, your options are clear, and if selling makes more sense than fighting through it, a cash sale pays the back taxes off at closing and puts your remaining equity in your pocket.
Facing Foreclosure in Ramsey County?
If it is your mortgage you are behind on, that is a separate process from tax forfeiture, and in Minnesota much of your time comes after the sheriff’s sale, during a redemption period when you still own the home and can still sell it. Our Minnesota foreclosure guide walks the whole timeline. If selling ahead of that deadline is the right move, we can often close well inside a redemption period.
Inherited a House in Ramsey County?
A probate case here is handled through the district court in Ramsey County, but the rules are the same statewide. In most cases an inherited house has to go through probate before it can be sold, unless it was held in joint tenancy or a trust, and Minnesota’s small estate affidavit cannot transfer a house. Our Minnesota probate guide explains when and how you can sell. We buy inherited houses as-is, can wait for the process, and coordinate with your attorney and the estate. We never publish anyone’s name.