Monroe County, Indiana

Tax Lien140,702 residents

County research last verified 2026-07. Office holders, platforms, and deposit rules change — re-confirm anything time-sensitive.

Sale typestate default

Tax Lien

Redemption periodstate default

1 year from sale

Investor returnstate default

10–15% plus 5–10% penalty depending on timing

Governing statutestate default

Indiana Code Title 6, Art. 1.1

Notes

Indiana tax-lien (certificate) county. Monroe County Auditor runs an annual online tax sale via Zeus Auction (SRI). 2026 information page notes listing materials posted as available; historical reporting placed the 2026 auction around October 7 — confirm exact dates on the Auditor tax-sale page before registering. No large pre-auction deposit in prior cycles; registration requires SSN or Federal ID plus W-9. Certificate is a lien with ~1-year redemption before tax-deed path. Bloomington / Indiana University market with constrained student-adjacent inventory.

Auction logistics

Format

Online

Frequency

Annually, typically October (confirm 2026 date on Auditor page)

Platform

Zeus Auction (SRI) — Monroe County tax sale ↗

Deposit rules

Create Zeus account, complete W-9 and statutory bidder affidavit. Prior Monroe practice: no pre-auction deposit; pay winning certificate amounts per SRI settlement rules. Persons owing delinquent taxes/judgments in the county are ineligible. Review current FAQs on monroecounty.in.gov tax-sale pages.

Title risk

Liens that survive the sale

Certificate is a lien only. Mortgages and other liens remain until valid tax deed after redemption and notices. Federal liens and bankruptcy risk remain.

Quiet title

After tax deed issues, quiet title is commonly used for insurable title in Indiana.

Deal maths for Indiana

Assessment ratio: 1× of market value
Typical quiet title: $1,500–$5,000 · 4 mo
Recording and transfer: $250

Indiana assesses at 100% of true tax value (assessed value has equalled 100% of true tax value since the 2001 assessment year), so the statutory ratio is 1.0.

Offices and records

Tax collector

Monroe County Auditor — Tax Sale ↗

Clerk of court

Monroe County Clerk (tax deed petitions) ↗

Property appraiser

Monroe County Assessor / Beacon search ↗

GIS / parcel map

Monroe County GIS / parcel maps ↗

Areas trending up

Directional read from dated market analysis — not a guarantee, and not a substitute for your own comps.

Near-West / downtown Bloomington

IU employment and walkable rental/SF demand with tight vacancy

Ellettsville edge

Relatively lower entry prices with commute to Bloomington jobs

South Walnut / College Mall corridor

Retail employment density and liquid suburban SF inventory