Larimer County, CO
In-person premium-bid lien sale at the county fairgrounds
Larimer County holds its 2026 tax lien sale in person on November 19 at the Thomas McKee 4-H Community Building at the Larimer County Fairgrounds in Loveland — registration opens at 7:30 a.m., premium bidding at 8:30 a.m. Bidding order is seated and sequential: a randomly-drawn bidder goes first, then it proceeds seat by seat, with each bidder able to accept or pass on parcels above the county's premium threshold.
Same underlying structure as Routt County's online sale — Colorado sets the rate annually at 9 points over the federal discount rate, and it isn't bid down: 13% for certificates sold from October 1, 2026, down from 14% a year earlier (C.R.S. 39-12-103(3)). Competition instead happens through cash premium bids on top of the lien, and that premium isn't returned with interest if the owner redeems — only the certificate's face amount is. Since Senate Bill 26-144, a certificate issued from January 1, 2026 expires seven years after issue unless a deed application is pending (C.R.S. 39-11-148); older certificates keep the fifteen-year life.
Colorado rules at a glance
Colorado's rate is nine points above the federal discount rate, set each September 1 by the State Bank Commissioner (C.R.S. 39-12-103): 13% for liens sold from October 1, 2026. Bidders compete on a premium that goes to the county and earns no interest (C.R.S. 39-11-115). From August 1 of the third calendar year after the sale the holder can apply for a treasurer's deed, which now means a public auction (C.R.S. art. 11.5); the owner can redeem until seven days before it.
The statute, the bidding and what goes wrong for new buyers are on the Colorado page; every sale date we have sourced for Larimer County is on the Larimer County page.
Property & tax profile
The median homeowner in Larimer County pays $2,832 a year in property tax — above the Colorado median of $2,602 (U.S.: $3,119). That is roughly what a typical home here owes after one missed year — about the face value of a one-year certificate, before interest, fees and any premium. Homes with a mortgage pay a median of $2,856; homes owned outright, $2,772.
On a home with a mortgage, the lender has its own reason to pay a delinquent tax bill: the tax lien outranks the mortgage, and a tax deed can wipe out the loan. On a home owned outright, nobody but the owner — or the heirs — has that reason. In Larimer County, 31.6% of owner-occupied homes are owned outright (Colorado: 30.6%, U.S.: 39.4%). About the same as the state as a whole.
6.4% of all housing units in Larimer County are vacant. The figure that matters for a lien buyer is the Census “other vacant” category — not for rent, not for sale, not a holiday home, but a catch-all that includes foreclosures, homes held up by legal proceedings or family reasons, homes needing repairs, and abandoned ones. Here it is 1.0% of all units (Colorado: 1.7%, U.S.: 3.6%). That is below the state rate: fewer empty properties on the list than elsewhere in Colorado.
Half of the homes in Larimer County were built in or before 1993 (Colorado: in or before 1988). The typical tax bill is 3.0% of the median household income of $93,765 (Colorado: 2.7%).
Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (tables B25077, B25103, B25081, B25002, B25004, B25035, B19013) — see the figures on data.census.gov. Survey estimates with margins of error; anything too uncertain to state is left out.
Before you bid: Full payment is due the same day by personal or business check before leaving the premises — confirm the current parcel list and any registration paperwork (W-9, Declaration of Statutory Compliance) with the Larimer County Treasurer before the sale.
More sales: 38 other county sales are on the calendar in November 2026 — see them by date; or the upcoming sales in Colorado.
This page reflects publicly posted county auction notices as of publication and is general information, not financial or legal advice. Sale details can change — always confirm current terms with the county directly.