Delinquent tax lists · New York
Monroe County delinquent tax list
Short answer: Monroe County has two delinquent tax lists. The official one is published by the County Treasurer or Department of Finance before each scheduled sale, free to download, and it lists parcel numbers and amounts owed with no owner contact. The year-round one is the delinquency record underneath it, where 300 (estimated) owners near Rochester currently carry a distress signal. New York is a varies state, so a winning bid at the sale takes a deed the owner can still buy back.
Distressed owners near Rochester
300
Within 25 miles of the county seat, refreshed daily. Monroe County is a major metro county.
Top-deal discount target
~41% under market
Average start bid across the 20 strongest Monroe leads right now.
Avg. spread per top deal
$238,000
On a typical $580,000 estimated value.
Coverage centers on Rochester, the Monroe County seat, and reaches 25 miles out, widening to 50 when the market runs thin.
Monroe County tax sale rules at a glance
The mechanics that decide what you are actually buying, and how long the owner keeps a way out. The full New York rules, timelines and deficiency detail sit on the state page, since they apply to every county here.
| County | Monroe County, New York. County seat: Rochester. |
|---|---|
| Who publishes the list | The County Treasurer or Department of Finance for Monroe County. |
| What the sale transfers | New York is a varies state. A winning bidder gets either a lien or a deed, because the format is set county by county in this state. |
| Rate and cadence | New York City sells tax liens; most upstate counties foreclose and auction deeds. |
| Owner redemption | None after the auction; owners can redeem any time before it. |
The New York delinquency clock
Where a Monroe owner sits on this line is what decides whether they will take a low cash offer today.
The Monroe list, ranked hardest-first
Representative profiles from our ranking model for the Rochester area. The live list, with exact locations, photos and owner details, is one free scan away.
| Rank | Why they would sell | Est. value | Start bid | Under market |
|---|---|---|---|---|
| #1 | Pre-foreclosureTax delinquent 2 yr69% equity | $627,000 | $270,000 | ~45% |
| #2 | Notice of defaultTax delinquent 4 yr78% equity | $617,000 | $265,000 | ~45% |
| #3 | Auction setTax delinquent 4 yr99% equity | $620,000 | $279,000 | ~43% |
7 more ranked Rochester deals behind the scan
Unlock the full Rochester list free10 second scan · no card to browse · 2 free unlocks on trial
What the Monroe list is made of
Most distressed owners carry more than one signal, so these bands overlap. Stacked signals rank highest.
How Monroe compares across New York
Monroe County is the 9th largest of the 12 New York counties covered here, and it runs denser in distressed owners than the New York average, at 4 flagged properties per 10,000 residents against a state figure of 2.9. It accounts for about 6.9% of every flagged property across the New York counties on this site.
| County | Seat | Flagged owners | Per 10k residents |
|---|---|---|---|
| Erie County | Buffalo | 880 | 9.2 |
| Queens County | Queens | 542 | 2.3 |
| Richmond County | Staten Island | 497 | 10 |
| New York County | New York | 487 | 3 |
| Onondaga County | Syracuse | 441 | 9.3 |
| Albany County | Albany | 381 | 12.1 |
Density matters more than the raw count when you are choosing where to work. A smaller county with a high per-capita figure often has less competition per lead than the metro next door.
How far under market these close
The official Monroe list vs. this one
Both are worth having. They answer different questions.
| Monroe official sale list | The LowBaller list | |
|---|---|---|
| Who publishes it | The County Treasurer or Department of Finance | LowBaller, from county and public records |
| When it exists | Only in the run-up to each scheduled sale | Year round, refreshed daily |
| Format | A PDF or spreadsheet of parcel numbers and amounts owed | A ranked table with a map pin, photo and estimated value on every row |
| Owner contact | Not included | Phone and email on unlock, and no credit is spent when nothing verifies |
| Ranking | Alphabetical or by parcel number | Hardest situation first, by foreclosure stage, years behind and equity |
| Timing advantage | Everyone bidding sees the same list on the same day | Owners appear months before any auction, while a private sale still solves their problem |
Working the Monroe list
What actually matters in a county this size, at this level of distress, under New York timelines.
Off the main road
Monroe County ranks 9 of 12 covered New York counties and holds about 6.9% of the state's flagged properties. Most buyers never scroll this far down the state, which is the entire argument for working it.
Above the state norm
Monroe runs 4 flagged properties per 10,000 residents against 2.9 statewide. More pressure per capita than the typical New York county, and more owners carrying two or three signals at once.
Rochester and everything around it
Monroe works off Rochester as its seat, and the scan reaches 25 miles out from there, widening to 50 when the list runs thin. In a county this shape that usually means several towns, each with its own price level.
The New York clock
Foreclosure here typically runs 15 to 30+ months from filing to sale. The tax clock and the mortgage clock run independently, so check both before you decide how hard a deadline an owner is actually facing.
Why Monroe investors work it before auction day
No bidding war
At the sale you are one of a room full of bidders on the same parcel. Months earlier you are the only person who called.
You can see the house
A private sale means an inspection and a clean title search. Lien auctions in New York rarely give you either.
The owner keeps something
An owner with equity who sells early clears the tax debt and walks away with money. At the sale, they usually walk away with nothing.
Monroe County delinquent tax list FAQ
How do I get the Monroe County delinquent tax list?
Two lists exist and they are not the same. The official one comes from the County Treasurer or Department of Finance, is published as a PDF or spreadsheet before each scheduled sale, and disappears between sales. The year-round one is the delinquency record itself, which is what LowBaller compiles: roughly 300 properties around Rochester currently carry at least one distress signal, ranked by how much pressure the owner is under.
Is there a free Monroe delinquent property tax list PDF?
Yes. The County Treasurer or Department of Finance publishes the pre-sale list free of charge, usually as a PDF or a downloadable spreadsheet tied to a specific sale date. It gives you parcel numbers and amounts owed. It does not give you owner contact details, an estimated value, or any indication of which owners would actually take a low cash offer.
When is the Monroe County tax sale?
Monroe County publishes its own schedule, and it moves. The New York pattern is the thing that holds steady: New York City sells tax liens; most upstate counties foreclose and auction deeds. Check the county's pre-sale notice close to the date, because the list shrinks daily as owners redeem.
Can I buy Monroe tax-delinquent property before the auction?
Yes, and it is usually the better trade. There is no bidding war, the owner clears the debt with a clean sale instead of a forced one, and you are not buying blind. The window is the months between the delinquency appearing in the record and the sale being scheduled, which is exactly the period this list covers.
What does a winning bid actually get you in New York?
New York is a varies state, so a winning bidder takes either a lien or a deed, because the format is set county by county in this state. None after the auction; owners can redeem any time before it. That difference matters more than the discount: in a lien state you are buying a debt with a yield, and in a deed state you are buying a house.
How far below market do Monroe deals close?
The strongest current leads near Rochester support start bids around 41% under estimated value. Across the whole list, hard distress such as a scheduled auction or a stacked tax lien closes 20 to 40% under market, while softer signals like long-distance ownership land closer to 15 to 30% under. Monroe runs denser in distress than the New York average, so stacked-signal owners, the ones who accept the widest discounts, turn up more often here than in a typical county in this state. Equity sets the ceiling, because an offer cannot go below what clears the owner's mortgage.
How many tax-delinquent properties are there in Monroe?
About 300 properties within 25 miles of Rochester currently show at least one motivation signal in public records, and tax delinquency is among the most common. That works out to 4 flagged properties per 10,000 residents, against 2.9 across New York as a whole, and makes Monroe the number 9 of the 12 New York counties covered here by population. That figure moves daily as owners pay, redeem or fall further behind.
Do I need a Monroe address to search, or can I search the whole county?
Either. Run the scan on any Monroe ZIP and you get the full ranked list for the surrounding area, or check one specific address to see whether that owner carries a distress signal. Browsing is free and unlimited, and credits are only spent when an owner's verified phone or email comes back.
Delinquent tax lists nearby
Keep going
The Monroe owners who will sell cheap are on this list today.
Not in 2026 sale season. Now, months before the auction, while a quiet private sale still solves their problem. Scan free and browse every one.
Scan Monroe free
Informational summary, not legal or investment advice. Rates, redemption periods and sale formats are summarized at the New York state level and can be changed by statute or applied differently by Monroe County. The County Treasurer or Department of Finance and the county's own pre-sale notices control every schedule, deposit and bidding rule. Verify before you bid.