--- title: Certificates of Taxes Due and Delinquent Property Tax Risks description: Learn how title companies can avoid risks tied to Colorado Certificates of Taxes Due and delinquent property taxes. COCRS helps ensure clean closings. image: https://cocrs.com/hubfs/CTD%20-%202025-08-19.jpg --- [Skip to content](https://cocrs.com/tips/certificates-of-taxes-due-and-delinquent-property-tax-risks#main-content) [![COCRS LLC Logo](https://cocrs.com/hs-fs/hubfs/COCRS%20logo_type_color.jpg?width=334&height=182&name=COCRS%20logo_type_color.jpg)](https://cocrs.com) - [Home](https://cocrs.com/) Show submenu for {{ link.label }} - [Meet Our Team](https://cocrs.com/meet-the-team) - Our Services Show submenu for {{ link.label }} - [Property Tax](https://cocrs.com/property-tax) - [HOA Documentation](https://cocrs.com/hoa-documentation) - Help and Info Show submenu for {{ link.label }} - [Knowledge Base](https://kb.cocrs.com/) - [Tips Blog](https://cocrs.com/tips) Open main navigation Close main navigation - [Home](https://cocrs.com/) Show submenu for {{ link.label }} - [Meet Our Team](https://cocrs.com/meet-the-team) - Our Services Show submenu for {{ link.label }} - [Property Tax](https://cocrs.com/property-tax) - [HOA Documentation](https://cocrs.com/hoa-documentation) - Help and Info Show submenu for {{ link.label }} - [Knowledge Base](https://kb.cocrs.com/) - [Tips Blog](https://cocrs.com/tips) - [User Login](https://user.cocrs.com/) [User Login](https://user.cocrs.com/) Aug 21, 2025 10:15:00 AM # Certificates of Taxes Due and Delinquent Property Tax Risks ![Picture of Paul Soucek](https://cocrs.com/hs-fs/hubfs/Wordpress%20files/Paul%20Headshot%20500x500.jpg?width=50&name=Paul%20Headshot%20500x500.jpg) [Paul Soucek](https://cocrs.com/tips/author/paul-soucek) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://cocrs.com/tips/certificates-of-taxes-due-and-delinquent-property-tax-risks) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://cocrs.com/tips/certificates-of-taxes-due-and-delinquent-property-tax-risks) [Twitter icon](https://twitter.com/intent/tweet?url=https://cocrs.com/tips/certificates-of-taxes-due-and-delinquent-property-tax-risks) [envelope icon](mailto:?body=https://cocrs.com/tips/certificates-of-taxes-due-and-delinquent-property-tax-risks) ## **What Title Companies Need to Watch for in Colorado** **Introduction** Certificates of Taxes Due (CTDs) are a standard part of Colorado real estate closings—but not all CTDs tell the full story. For title companies, understanding the nuances of delinquent property taxes, redemption periods, and treasurer errors is essential to protecting clients and ensuring clean title. --- ### 🔍 **1. The Hidden Risks of Delinquent Taxes** While CTDs are designed to show the current tax status, they may not reflect: - **Recently sold tax liens** that haven’t been recorded yet - **Pending treasurer corrections** due to misapplied payments - **Unpaid special assessments** that fall outside the standard CTD These gaps can result in post-closing surprises, especially if a tax lien buyer initiates foreclosure. --- ### 🕰️ **2. Redemption Periods and Title Implications** In Colorado, delinquent taxes can lead to a **tax lien sale**, after which the owner has a **three-year redemption period**. During this time: - The lien remains active and can accrue interest - Redemption must be paid in full to clear the lien - Title companies must disclose this risk to buyers and lenders Failing to identify a lien in redemption can jeopardize the transaction and expose parties to future claims. --- ### 🧾 **3. CTDs and Treasurer Errors: What to Double-Check** County treasurers occasionally issue CTDs with: - Incorrect parcel numbers or legal descriptions - Missing special district charges - Misapplied exemptions or deferrals Title professionals should always: - Cross-reference CTDs with assessor records - Confirm parcel boundaries and taxing entities - Contact the treasurer directly if anything looks off --- ### 🏘️ **4. Investor-Owned Properties and Tax Payment Gaps** Investor-owned properties—especially those in foreclosure or probate—may have: - Skipped tax payments - Unclaimed exemptions - Unrecorded liens from prior owners These issues often surface late in the closing process. COCRS can help identify and resolve them early. --- ### ✅ **Conclusion: CTDs Are Just the Start** A clean CTD doesn’t always mean a clean title. Title companies must dig deeper to uncover delinquent tax risks, redemption timelines, and treasurer inconsistencies. That’s where COCRS comes in. **👉 Need help verifying tax status or resolving CTD issues? Contact COCRS today and let our Colorado experts support your next closing.** [Property Tax](https://cocrs.com/tips/tag/property-tax) ## Related posts [![](https://cocrs.com/hs-fs/hubfs/Copilot%20-%20Tax%20-%20STR%202025-07-16.jpeg?height=200&name=Copilot%20-%20Tax%20-%20STR%202025-07-16.jpeg)](https://cocrs.com/tips/short-term-rentals-and-certificates-of-taxes-dueyour-blog-post-title-here) [Property Tax](https://cocrs.com/tips/tag/property-tax) ## [Short-Term Rentals and Certificates of Taxes Due](https://cocrs.com/tips/short-term-rentals-and-certificates-of-taxes-dueyour-blog-post-title-here) ![Picture of Paul Soucek](https://cocrs.com/hs-fs/hubfs/Wordpress%20files/Paul%20Headshot%20500x500.jpg?width=50&name=Paul%20Headshot%20500x500.jpg) [Paul Soucek](https://cocrs.com/tips/author/paul-soucek) Jul 16, 2025 12:46:26 PM A New Frontier for Colorado Title Companies As Colorado’s real estate market continues to evolve,... [Read more](https://cocrs.com/tips/short-term-rentals-and-certificates-of-taxes-dueyour-blog-post-title-here) [![](https://cocrs.com/hs-fs/hubfs/2025-09-12%20Tax%20Lien.jpg?height=200&name=2025-09-12%20Tax%20Lien.jpg)](https://cocrs.com/tips/unrecorded-tax-liens-the-silent-threat-to-colorado-closings) [Property Tax](https://cocrs.com/tips/tag/property-tax) ## [Unrecorded Tax Liens: The Silent Threat to Colorado Closings](https://cocrs.com/tips/unrecorded-tax-liens-the-silent-threat-to-colorado-closings) ![Picture of Paul Soucek](https://cocrs.com/hs-fs/hubfs/Wordpress%20files/Paul%20Headshot%20500x500.jpg?width=50&name=Paul%20Headshot%20500x500.jpg) [Paul Soucek](https://cocrs.com/tips/author/paul-soucek) Sep 17, 2025 9:45:00 AM In Colorado real estate, Certificates of Taxes Due (CTDs) are essential for confirming a property's... [Read more](https://cocrs.com/tips/unrecorded-tax-liens-the-silent-threat-to-colorado-closings) [![](https://cocrs.com/hs-fs/hubfs/2025-09-22%20PA%20Puzzle.png?height=200&name=2025-09-22%20PA%20Puzzle.png)](https://cocrs.com/tips/the-pennsylvania-puzzle-why-property-tax-certificates-arent-always-enough) [Property Tax](https://cocrs.com/tips/tag/property-tax) ## [The Pennsylvania Puzzle: Why Property Tax Certificates Aren’t Always Enough](https://cocrs.com/tips/the-pennsylvania-puzzle-why-property-tax-certificates-arent-always-enough) ![Picture of Paul Soucek](https://cocrs.com/hs-fs/hubfs/Wordpress%20files/Paul%20Headshot%20500x500.jpg?width=50&name=Paul%20Headshot%20500x500.jpg) [Paul Soucek](https://cocrs.com/tips/author/paul-soucek) Sep 24, 2025 12:30:00 PM In Pennsylvania, property tax certificates are a critical part of the closing process—but they... [Read more](https://cocrs.com/tips/the-pennsylvania-puzzle-why-property-tax-certificates-arent-always-enough) --- ## Get Started with COCRS - 1100 W Littleton Blvd Ste 240 Littleton CO 80120 - 720-615-0500 - sales@cocrs.com - www.linkedin.com/company/cocrs - P. O. 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