We are a local team that buys houses as-is for cash across St. Croix County, from Hudson and River Falls to New Richmond, Somerset, Roberts, and Woodville. We are not a national call center reading a script from another state. When you call, you reach people who know the St. Croix Valley, know what houses out here actually sell for, and can come look at yours in person.
If you need to sell without repairs, without agent commissions, and on a timeline that works for you, we can make you a fair cash offer, cover the closing costs a seller normally pays, and close in as little as a couple of weeks if that is what you need. Or later, if you would rather. Over more than 13 years we have bought over 900 houses, in every condition and situation, and we will always explain how we got to our number so you can decide with your eyes open. This page walks through how that works and answers the questions people in your shoes actually ask.
How Does Selling to a Cash Home Buyer Work in St. Croix County?
The whole point of a cash sale is to strip out the parts of a normal sale that cost you time and money. There is no listing, no showings, no repairs, no agent commission, and no financing contingency that can fall through at the last minute. Here is the actual sequence.
You tell us about the property. We look at it, either in person or from photos and a few questions, and we run the numbers on what it would sell for fixed up against what it needs. We give you a written cash offer, usually within a day or two, with no obligation to take it. If it works for you, you pick the closing date, a local title company handles the paperwork, and you get your money at closing. If it does not work for you, you owe us nothing and we part on good terms. A tip worth remembering: a real, local buyer will look at your specific house before naming a firm price. Anyone who commits to an exact number sight unseen, then drops it right before closing, is doing something called “renegotiating,” and it is the oldest trick in this business.
How Much Do Cash Buyers Actually Pay? (The Offer Math, Explained)
This is the question everyone wants answered and most buyers dodge. Here is the plain version. We start with what the house would be worth fully fixed up, we subtract what the repairs will actually cost, we subtract our costs to buy, carry, and resell it, and we leave a margin to make the project worth doing. What is left is your cash offer.
So a cash offer is not the same as a retail listing price, and we will never pretend it is. What you are trading that difference for is speed, certainty, and zero out of pocket. You pay no commission, no closing costs, and nothing for repairs or cleanout. For a house that needs real work, or a situation where waiting costs you money every month, that trade often comes out ahead once you add up what a traditional sale would really net you after repairs, agent fees, holding costs, and months of uncertainty. When we sit down with you, we are happy to walk through both paths on your actual house so the comparison is real, not a sales pitch.
Can I Sell My House in St. Croix County if I Owe Back Property Taxes?
Yes, and this is one of the most common reasons people call us, so let us be specific about how it works here, because St. Croix County handles delinquent taxes a little differently than some of its neighbors.
First, the timeline is longer than most people fear. Your first installment is due January 31 and the second July 31, both to the St. Croix County Treasurer in Hudson. If you miss the first installment, the whole balance becomes delinquent on February 1 and starts adding interest and penalty at about 1.5 percent a month. The county then issues what is called a tax certificate the following September on parcels still unpaid. But a certificate is not the county taking your house. In Wisconsin you generally have about two years before the county can move to take title, and even then, you can redeem the property, meaning pay what is owed, right up until the deed is actually recorded.
Here is the St. Croix specific part. When the county does take a tax-delinquent property, it does so by tax deed, and then resells those properties by sealed bid under state law, through the county’s Tax Deed Committee. The practical takeaway for you: as long as you act before that deed is taken, you have time, and selling is usually the cleanest way out. If you sell, the back taxes get paid off at closing out of the sale proceeds, and you walk away with whatever equity is left instead of losing the house and that equity to the county.
One concrete step to take today: call the St. Croix County Treasurer at 715-386-4645 and ask for the exact payoff on your parcel, including interest and penalty, or look it up on the county’s online tax portal. Know your real number before you make any decision. If keeping the house is your goal, ask the treasurer what payment options exist. If selling is the better move, we can look at your numbers and show you exactly where a cash sale would leave you after the taxes are cleared.
This is general information, not legal or tax advice, and your exact dates and amounts depend on your parcel. Confirm anything binding with the St. Croix County Treasurer or an attorney.
What if I Am Behind on My Mortgage or Facing Foreclosure?
If the worry is your mortgage rather than your taxes, the good news is similar: Wisconsin gives you real time, and selling before the foreclosure is final usually protects both your credit and your equity. Wisconsin foreclosures run through the court, which means the process has clear steps and deadlines you can use. We explain exactly how that timeline works, and where selling fits, in our full Wisconsin foreclosure guide. If you are getting close to a sheriff’s sale, do not wait to get your options in front of you, because the earlier you act, the more room you have.
I Inherited a House in St. Croix County. Can I Sell It?
Usually yes, though if the house is passing through an estate it likely has to go through probate first, and that shapes the timing. We buy inherited houses as-is, we can wait for the probate process, and we can coordinate with your attorney and the estate, so you are not paying to insure, heat, and maintain a house you are trying to let go of. Our Wisconsin probate guide explains when you are actually allowed to sell and how a smaller estate can sometimes move faster. We buy the house; the story and the family’s privacy stay yours. We never publish anyone’s name.
Do I Have to Clean the House Out or Make Any Repairs?
No. Take what you want and leave the rest. You do not need to fix anything, paint anything, or haul anything away. We buy houses with old roofs, foundation issues, fire or water damage, hoarder situations, dated interiors, and everything in between. The condition is our problem to solve, not yours, and it is already priced into the honest offer we give you. For a lot of sellers, skipping the cleanout alone is worth thousands of dollars and weeks of work.
How Fast Can You Close?
As fast as a title company can clear title and prepare the paperwork, which is often about two to three weeks, sometimes faster. But fast is not the only speed we offer. If you need to close after a certain date, coordinate with a probate timeline, or line up your next place first, you set the date, not us. The point of selling this way is that it bends to your situation.
Are Cash Home Buyers Legit, and How Do I Avoid Getting Burned?
Fair question, because the “we buy houses” world has its share of bad actors. Here is honest advice, even the part that is about vetting us. A trustworthy local buyer will give you the offer in writing, will not pressure you to sign on the spot, will not charge you any fees, and will not need to wholesale your contract to a stranger to close. Watch for anyone who ties your house up under contract and then goes looking for someone else to actually buy it, or who quietly lowers the price right before closing. Ask any buyer straight out: are you the one purchasing the house, and can you prove funds? We are a real local company with over 13 years of work here, 900-plus houses bought, a 5.0 Google rating, and an A-plus BBB rating, and we are glad to answer every one of those questions before you commit to anything.
Should I Sell to a Cash Buyer or List With an Agent?
Honestly, it depends on your house and your situation, and we will tell you when listing is the better move. If your house is in good shape, you have time, and you can handle showings and repairs, listing with a good local agent will usually get you a higher sale price, even after commissions. A cash sale tends to win when the house needs significant work, when you need speed or certainty, or when the situation itself, like foreclosure, probate, a problem tenant, or back taxes, makes a traditional listing painful. The right answer is whichever one nets you more money and stress relief for your actual circumstances, and we would rather point you to the right path than push you into ours.
What Situations Do You Buy In?
Just about all of them. Homeowners come to us behind on taxes or payments, facing foreclosure, sorting out an inherited or probate house, going through a divorce, tired of being a landlord, holding a house that needs more work than it is worth, relocating on short notice, or simply wanting to be done without the hassle of a listing. If your situation is not on that list, call anyway. There is a good chance we have seen it.