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Shelby County

Tennessee · Upcoming sale ·

Sale dateOctober 27, 2026
Sale typeredeemable-deed
PlatformZeus Auction (online only, Oct 27 8am – Oct 29 8pm CT)
Tennessee rate / penalty12% a year on the full purchase price

Shelby County, Tennessee (Memphis) holds tax sale No. 2301 online on Zeus Auction from Tuesday, October 27, 2026 at 8:00 a.m. to Thursday, October 29 at 8:00 p.m. Central. The Trustee runs its sales with the Chancery Court Clerk, online only, and on October 16 the Zeus listing showed 466 parcels. Winners must pay in full within one business day, and the next sale, No. 2302, is set for April 13, 2027.

Sale 2301 at a glance

The Trustee's Tax Sale Schedule lists sale 2301 on October 27, 2026, published in the Daily News on August 26, and sale 2302 on April 13, 2027, to be published February 16, 2027. A CSV of every property in the sale can be downloaded from that page; parcels drop off as owners pay the Trustee.

The auction itself is on zeusauction.com, which the Trustee names as the only venue: tax sales in Shelby County are conducted online via Zeus Auction only. The listing runs from October 27 at 8:00 a.m. to October 29 at 8:00 p.m. Central, and is set up with what Zeus calls a dynamic ending, so check each parcel's own closing time rather than relying on the end of the sale.

The Trustee holds online sales throughout the year with the Chancery Court Clerk's office. Each one is advertised in a "Notice of Tax Sale" in the Daily News 30 to 45 days before it opens, listing the parcel number, every owner's name, the amount due and a short description, and each owner is sent notice by certified mail. Properties appear on Zeus 30 days before the opening day.

Registration: one upload, by bidder type

You can register as early as four weeks before the auction opens, and you must register with a bank account you can bid from. The Zeus listing marks the sale as approval required: the county and SRI review each package and approve or deny it.

The registration requirements for this sale carry a single upload policy. You get one upload of documents, and a package missing anything may be denied automatically. Individuals upload a current driver's license and complete the W-9 with their Social Security number on the site. Entities need more: an LLC uploads its signed articles of organization and an operating agreement that permits buying real estate at a tax sale; a corporation or S-corporation adds certified minutes and an expenditure authorization resolution signed by the board; a trust uploads the trust agreement showing who may buy real estate at a tax sale, and no power of attorney. Every package includes the signed acknowledgment page from the requirements PDF.

Employees of the Shelby County Trustee's office and their relatives cannot bid.

What the minimum bid includes, and paying for it

The minimum bid can include delinquent city and county taxes, accrued interest, court costs, attorney fees, and service and title costs. On top of that, each parcel the Court orders sold carries a $150 clerical fee (T.C.A. § 8-21-401(b)(1)(F)).

The payment rule is the strictest part of the sale: everything, including wire confirmation, must be paid or received within one business day of the auction's close. Payment is by ACH from your registered account; a wire can be arranged through Zeus Auction at (800) 800-9588, in more than one installment, but each extra installment costs a fee. No extra time is given to find the money, there are no refunds, all sales are final, and the Chancery Court Clerk may sue a buyer who does not honor a bid. The Trustee's advice is simple: do not bid without the money in hand.

Redemption: one year, 90 days or 30 days

Within 45 business days of the sale, an order confirming it is entered in the court records, and from then on the property can be redeemed by the previous owner, the owner's heirs, or lien holders and assignees. Since Tennessee changed the law in 2016, the period depends on how long the taxes were delinquent: one year for three years of delinquency or less, 90 days for four years or more, and 30 days for a property found vacant and abandoned after at least three inspections over two months at different times of day. If the IRS holds a lien, it may redeem for 120 days from the sale (28 U.S.C. § 2410(b)).

Redemption goes through the Chancery Court Clerk: the owner files a Motion to Redeem Property from Tax Sale and pays the final bid price plus interest. If someone redeems your property, the court returns your bid with up to 12% a year on it, counted from the sale until the motion is filed. Money you spent maintaining or improving the property is reimbursed only if the court approves it, so the Trustee recommends an independent attorney before you improve anything or file for reimbursement.

The Trustee publishes a list of properties still under redemption, by sale: 2201 (October 21, 2025) and 2202 (April 21, 2026), among others. It is a useful way to see what a past sale looks like before bidding on this one.

Title, unsold parcels and excess proceeds

For sales after January 2017, the Chancery Court Clerk records the Decree Confirming Sale with the Shelby County Register, and that decree conveys title to the buyer; the transfer tax and recording fee are included. Questions go to the Clerk at (901) 222-3900.

Every property presented at the sale goes either to a buyer or to Shelby County. Those sold to the county and not redeemed pass to the Shelby County Land Bank, which sells them after the redemption date (901-222-1150).

Anything paid above the minimum bid is excess proceeds. Whoever held an ownership or lien interest when the property was sold can file a claim for it, and the details are held by the Chancery Court Clerk's office, not the Trustee.

Research before October 27

Parcels are sold by the legal description on the last deed of transfer; an address or photo is not part of it. Plat maps are at the Assessor's office, 1075 Mullins Station Road. The Trustee recommends checking zoning with the city where the parcel lies (or the County Planning Department for unincorporated land) and asking City of Memphis–Shelby County Code Enforcement about pending condemnation or demolition. No warranty is given by the Trustee, the City of Memphis or the Chancery Court, and other liens, encumbrances or easements may survive.

Three ways people lose money here

  1. 1. Sending an incomplete registration

    One upload only. Missing entity documents can mean automatic denial.

  2. 2. Planning to pay next week

    Full payment, wires included, is due within one business day of the close.

  3. 3. Improving the property during redemption

    Reimbursement is at the court's discretion; the owner can still redeem.

Sources

Checked against these sources on 2026-10-16.

County snapshot

Population (2024)910,530
Change since 2020-2.1%
Net migration (2024)-6,963

Shelby County has lost 2.1% of its population since 2020, with net migration of -6,963 in 2024. Shrinking counties are where tax liens go wrong: redemption rates fall, and the property you end up owning can be worth less than the taxes you paid on it.

By population, Shelby County is the 1st largest of Tennessee's 95 counties. It has grown more slowly than the state average (+4.4% across Tennessee) — often where the less contested certificates are, and also where the risk sits. Of the 2024 change, 6,963 came from people moving out and 3,613 from births outnumbering deaths.

Counties of similar size in Tennessee with a sale on our calendar: Davidson County, Sullivan County. Useful if this county's sale has already closed and you want the next comparable one.

Source: U.S. Census Bureau, 2024 Census population estimates. Population figures are estimates, not a count.

Property & tax profile

Median home value$249,100
Median tax / year$2,429
Tax / home value1.0%
Owned outright37.7%
“Other vacant”5.5%
Median year built1977

The median homeowner in Shelby County pays $2,429 a year in property tax — above the Tennessee median of $1,442 (U.S.: $3,119). That is roughly what a typical home here owes for each year it goes unpaid — the debt that the opening bid at a deed sale is usually built from, plus interest and costs. Homes with a mortgage pay a median of $2,614; homes owned outright, $2,029.

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 Shelby County, 37.7% of owner-occupied homes are owned outright (Tennessee: 42.1%, U.S.: 39.4%). That is less than the state as a whole: more of the delinquent bills here sit on mortgaged homes, where the lender often steps in.

10.3% of all housing units in Shelby County are vacant. The figure that matters for a buyer at the tax sale 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 5.5% of all units (Tennessee: 5.0%, U.S.: 3.6%). Close to the state rate.

Half of the homes in Shelby County were built in or before 1977 (Tennessee: in or before 1987) — an older stock than the state's, which matters if a deed is what you are buying: older roofs, wiring and plumbing. The typical tax bill is 3.8% of the median household income of $63,767 (Tennessee: 2.1%).

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.

Note

Sale 2301, 466 parcels on the Zeus listing (16/10). Full payment within 1 business day. Next sale (2302): Apr 13, 2027.

View official source ↗

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Quick answers

When is the Shelby County tax sale?+

The Shelby County, Tennessee tax sale is scheduled for October 27, 2026, hosted via Zeus Auction (online only, Oct 27 8am – Oct 29 8pm CT).

Is Shelby County a good county to buy tax deed properties in?+

Shelby County has lost 2.1% of its population since 2020, with net migration of -6,963 in 2024. Shrinking counties are where tax liens go wrong: redemption rates fall, and the property you end up owning can be worth less than the taxes you paid on it. Population in 2024: 910,530. These are U.S. Census Bureau estimates, not a recommendation — the county's own delinquency and redemption history matters more, and only the Tennessee treasurer publishes that.

How much is the property tax in Shelby County?+

The median homeowner in Shelby County pays $2,429 a year, about 1.0% of the median home value of $249,100 (Tennessee: 0.5%). Homes with a mortgage pay a median of $2,614, homes owned outright $2,029. These are U.S. Census Bureau survey estimates (American Community Survey 2020-2024 5-year estimates); the exact bill for a parcel depends on its assessed value and local rates, and the county tax collector has it.

What type of sale is it?+

Shelby County holds a redeemable tax deed sale. Tennessee's statewide system: redeemable deed. What the buyer earns: 12% a year on the full purchase price.

What's the redemption period in Shelby County?+

Shelby County follows Tennessee's statewide redemption period: 1 year (90–180 days if long delinquent, 30 if vacant).

Other sales in October 2026

All October 2026 sales →

Want the full statutory picture for Tennessee, not just Shelby County? Read the Tennessee state page for the rate, redemption period, and every other county we've sourced, or compare it with tax lien interest rates in every state. If a past sale left money over, how surplus funds are claimed in Tennessee.

Before you bid: how to research a tax sale property, what a tax lien or deed really costs and the risks investors run.

See every other scheduled sale on the full auction calendar, every sale in October 2026, or sign up for deal alerts to hear about new Tennessee dates as soon as we add them.

This page is general information, not financial or legal advice. Auction dates get postponed, cancelled, or rescheduled — always confirm against the official source above before showing up or bidding. Verified 2026-10-16.